Darwin's Finance — Financial Evolution: Education, Adaptation, Achievement

Generation Debt: Our Children will Hate Us

Historians like to classify generations of Americans from different time periods in rather large buckets, painting an entire generation with the brush of genius or triumph based on the challenges of their time. There’s the generation of Americans who grew up in the Depression era, known for their ability to persevere and succeed in the [...]

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Toll 3.99% Mortgages – What’s the Catch?

Toll Brothers (TOL) announced today that they are offering 3.99% fixed mortgage rates for 30 year mortgages for homebuyers that meet certain provisions. A 3.99% interest rate is the lowest I’ve come across, as national mortgage rates briefly dipped below 5.0% last week, before dipping up again this week. Rates are widely anticipated to continue lower given the [...]

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Tobacco Settlement Money has been Squandered Shamelessly

In a shameful show of disregard for the intended purpose of the funds that states received from the big tobacco settlement, the Government Accountability Office released statistics showing that the states have spent most of the settlement money on things other than antismoking efforts. Through the end of fiscal year 2005, here’s a snapshot of the [...]

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Is Now the Time to Short US Treasuries?

How to Short US Treasuries will likely become the “idea du jour” as the year progresses, especially if market conditions start to improve or if inflation returns to even average levels. With new alternative investment instruments allowing for easy inclusion in this process of going short Treasury bonds, everyday investors will have access to this strategy [...]

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TARP Program ROI Not So Hot for Taxpayers

According to the blog from the Director of the Congressional Budget Office, the return on investment to taxpayers for the TARP program is not so good. In a roundabout way, he shared some insight into what the actual ROI is as of now: …CBO estimates that the net cost of the TARP’s transactions (broadly speaking, [...]

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Lowest Mortgage Rates Ever – A RecordÃ¢â‚¬Â¦and Opportunity

Mortgage rates hit an all-time low this week, presenting US homeowners and real estate investors with an opportunity to decrease their mortgage expenditures. It appears as though the Fed and Treasury are doing something right in their efforts to shore up the homeowner in the midst of the credit carnage. For those fortunate enough to [...]

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37 High Yield Mega-cap Stocks

In an effort to highlight the dearth of available blue chip organizations with high market capitalization providing investors with a high yield as a result of the recent market downturn, I’ve captured the stocks with Market Capitalization of over $25 Billion that yield at least 5%. This data is current as of 1/11/09. The following [...]

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8 Most Shocking Market Events from 2008

Looking back at a rather abysmal year for investors and employees alike, there were some other shocking events from 2008 that have already fallen from the forefront. Below is a list of the most surprising, shocking, unanticipated developments from 2008. Stock Market Crash of 2008 – This one stands out most prominently. Investors globally suffered [...]

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Case-Shiller Home Price Index Down 18% – How To Invest

Today, the much anticipated S&P/Case-Shiller home price index was released, showing a 2.2% decline in October and an 18% decline from the year ago period. The S&P/Case-Shiller index is essentially the most widely utilized arbiter of the broad US housing climate, as it utilizes home price data from 20 major markets throughout the U.S. Here’s [...]

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