About Bob Cremerius

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So far Bob Cremerius has created 248 blog entries.

Can Stimulus Solve the Labor Crisis?

2020-10-06T15:09:04+00:00October 6th, 2020|Categories: INVESTMENT|

Executive Summary The official unemployment rate published by the Bureau of Labor Statistics (BLS) dropped 0.5% to 7.9% in September 2020.  However, in the BLS’ Employment Situation Summary report, the Household Survey revealed that of the 970,000-person decrease in the number of unemployed individuals, only 275,000 attained [...]

Does Too Much Debt Matter?

2020-09-29T16:17:52+00:00September 29th, 2020|Categories: INVESTMENT|

Executive Summary The U.S. has been feeling the effects of growing government debt for two decades through reduced economic growth.  For the past 40 years Federal government debt has grown at a faster rate than the economy.  The effects are cumulative and will continue to build until [...]

Is Trouble Brewing at European Banks?

2020-09-22T18:17:25+00:00September 22nd, 2020|Categories: INVESTMENT|

Executive Summary A recent article in The Wall Street Journal entitled “European Banks Consider Mergers for Survival” describes how banks are exploring mergers due to a decade of weak returns. It goes on to explain how the banks have survived due to government policies and stimulus programs [...]

Will the Real S&P 500 Earnings Results Please Stand Up?

2020-09-15T15:27:37+00:00September 15th, 2020|Categories: INVESTMENT|

Executive Summary Public companies are required to publish financial statements in accordance with Generally Accepted Accounting Principles (GAAP).  However, if GAAP earnings do not provide the picture stock analysts want, then they shift to alternatives such as “adjusted” earnings, operating earnings or projected future earnings.  The financial [...]

How Far Will the Elevator Go?

2020-09-09T15:36:09+00:00September 9th, 2020|Categories: INVESTMENT|

Executive Summary Last month the stock market, especially the technology-heavy NASDAQ 100 Index, reflected extreme investor exuberance reminiscent of the Technology Bubble peak in 2000.  There is an old saying:  the stock market rises like and escalator and falls like an elevator.  The recent stock split announcements [...]

What Is the Retirement Dilemma?

2020-09-01T16:00:41+00:00September 1st, 2020|Categories: INVESTMENT|

Executive Summary Historically, retirees could safely use the old “rule-of-thumb” of a 5% withdrawal rate to supplement Social Security and other defined benefits to provide income during retirement, while at the same time preserving their capital.  This principle typically assumed a 60/30/10 buy-and-hold portfolio – 60% stocks, [...]

What Does the Jobs Picture Look Like?

2020-08-25T15:53:17+00:00August 25th, 2020|Categories: INVESTMENT|

Executive Summary Government’s initial response to the onset of COVID-19 was to force businesses to avoid person-to-person contact.  This action resulted in businesses laying-off millions of workers.  For some perspective, before the arrival of COVID-19, the highest number of initial weekly unemployment claims was 695,000 in 1982.  [...]

Why is the Solution Always the Same… More Debt?

2020-08-18T16:10:50+00:00August 18th, 2020|Categories: INVESTMENT|

Executive Summary After working-off the defaults and write-offs from the Financial Crisis, debt immediately became in-vogue again.  In fact, by the end of 2019 just prior to the arrival of COVID-19, non-financial corporate debt had reached record levels.  But debt growth was not restricted to corporations – [...]

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