Q: Why Not Go To College?

I'm curious as to what all of the majority reasons are for as to why
people don't go to college.

Personally, I think that some people just don't have the opportunity
to go, for whatever the multitude of reasons could be. I think that
there are quite a few people out there that have the ability to do it.

To me, it seems as though you need four things:
1.) means
2.) ability
3.) opportunity
4.) desire

Q: Spot Market Prices?

What are spot market prices, and how do they work?

A Thought

I think if you beat the odds, you'll be and feel like an oddball.

Q: Relationship Between Mortgage Rates & Fed Rates?

One of the questions that I have been asking myself is what the
relationship is and the mechanics are between the Fed Funds rate and
long-term mortgage rates?

I have some idea as to what the answer is, but I need to find
something definitive.

Taking Stock

Anyone that knows me already knows what some of my favorite subjects to talk about are:

Economics & the stock market.

I consider myself to be an investor, and I think that pure traders are crazy. I at least wouldn't be a trader myself. I'm more of a fundamentals and macro-economic indicators kind of guy, but have been trying to find some reliable market breadth technical indicators. The CVI and the Advance/Decline indicators are very enticing, but only as a supplement to the fundamentals.

It takes quite a bit of time and energy to be a good investor and make any money at it.

One of the things that I do is look for reliable commentators and sources of information. The way I see it, it is virtually impossible to have a bead on every aspect of the market and economic events.

I have learned quite a bit and have improved at investing over the past few years:

before 2005 - I only had mutual funds, and didn't have much of a clue about stocks, and was actually a little afraid of them.

2005 - I had been toying with stocks, but still didn't have much direction and my picks were uncalculated and somewhat blatant. If I broke even, then I was very lucky to do so. I had discovered Jim Cramer and his "Mad Money" TV show, which I loved.

2006 - I had been watching Cramer for awhile and had learned to take him with a grain of salt, but some of his ideas were good and made sense to me. I bought Cramer's book also, which helped me out quite a bit. My picks started getting much better and more calculated. I at least broke even, if not made a little money.

2007 - I more or less stopped piggy-backing on Cramer, partially because I wanted to be able to get my own picks. I also discovered Dr. Stephen Leeb and his Market Forecasts, which I read religiously(www.completeinvestor.com). I made some money. Granted, it wasn't much, but I at least made some.

2008 - The DJIA dropping from 13,500 to around 12,000 hasn't helped me much so far this year.

I keep learning more and improving as I go.

House Value Multiple?

I wonder if a house could have a multiple, based on the price that it is being sold for versus what the raw cost of the material would be. To me, it would seem as though the material cost of a house would depreciate at a relatively slow rate, but would still depreciate over time. Take that cost, or at least an estimated cost, and divide the selling price by that cost. I would be very interested in the results and the possible implications of this method.

It would be virtually the same concept as a P/E ratio of a stock.

Intro

I'm new to blogging.

"Hello, world"