I didn’t realize how down I was becoming because of the long winter and darkness- we just came back from a three week trip to Asia and my mood has brightened! Now the blossoms are out and spring is here so my mood is better. … Read moreMarch 2026 Dividend Income Update The post March 2026 Dividend Income Update appeared first on Genymoney.ca.

Tweet Most men thought it would come, but no man prepared for it; no man considered it would come like a Thief in the night. . . . They have dreamed out their dream, and awakening have found nothing in their hands. Daniel Dafoe This is my one hundred and twelfth monthly portfolio update. I complete this regular update to check progress against my goal. Portfolio goal My objective is to maintain a portfolio of at least $3,250,000. This should be capable of […]

I’ve been coming to the EconoMe Conference for the past few years. And there is always a session, discussion or connection that kinda catches me off guard. Ya know? You walk in to a talk or session expecting to talk about those nerdy money stuff like withdrawal rates, savings percentages, and index fund allocations. Sure all those are fun, but then someone says something that has nothing to do with the f’n spreadsheets, and it […]

“The 1%” sounds like an abstraction. It’s something economists argue about on cable news. But if you’re a physician, you … Read more

This post may contain affiliate links. That means if you click and buy, I may receive a small commission (at zero cost to you). Please see my full disclosure policy for details. Do you want to adopt two girls?” I’ll never forget when Barb texted me that question. I was at work. We had looked into foreign adoption the year before, but after running into roadblocks, it wasn’t something I was actively thinking about anymore. We had […]

There seems to have been a vibe shift in the U.S. housing market over the past six months. What started in places like Austin, Texas with falling rents and home prices, seems to have spread to other parts of the country. As you can see in the table below, it’s not just Austin that has experienced double-digit rent declines since 2022: And what has happened in the rental market seems to be occurring to home prices as well. Analysis from Residential Club shows that 75% of the largest metro areas in the U.S. saw inflation-adjusted home price declines over the last year. But will this trend continue? And what might we expect from U.S. housing over the next few years? Let’s dig in. Rates Aren’t the Problem Anymore When we talk about U.S. housing, the first thing we need to address is affordability. After all, if people can’t afford houses, they don’t buy them. The big issue with affordability, as you likely already know, is that incomes haven’t risen in line with mortgage payments. In fact, you need nearly twice as much income today to afford the typical U.S. home compared to before COVID: Part of this problem is that 30-Year mortgage rates more than doubled from the early 2020s. But, 30-Year mortgage rates were an outlier (on the low side) from 2010 through the early 2020s: So seeing them revert back to their historical norm today isn’t all that surprising. But what hasn’t reverted back to its historical norm? Prices. As the chart below illustrates, the inflation-adjusted Case Shiller Home Price Index is higher today than it was during the 2000s Housing Bubble: This suggests that, all else equal, prices are the problem, not rates. Thankfully for homebuyers, prices have started to slow (and even decline in real terms) over the past few years. You can see this by looking at the annual nominal returns of U.S. housing from 2020-2025 (h/t Ben Carlson): U.S. housing saw a negative return (after inflation) in 2025. This might just be the beginning too. As Reuters recently reported, new home sales dropped by 17.6% in January 2026, the lowest level since October 2022. This is occurring as the number of homebuyers in the market reaches a record low: And as home-purchase cancellations reach a record high: People aren’t buying, or they are reconsidering buying, as prices begin to creep downward. And I believe that prices can continue to creep downward for one simple reason—home equity. There’s Room to Fall The main reason why home prices can continue to decline is that homeowners have record levels of home equity: And a good portion of this home equity was created in the last few years (as the chart above illustrates). As a result, homeowners won’t feel the sting of home price declines as badly as they normally would. We can prove this with a simple example. Imagine you bought a house for $100,000 (and all houses cost $100,000).

We are in the early innings of a fundamental shift in how we understand the human body. The current medical model is reactive and episodic — you feel sick, you see a doctor, you get a snapshot. But your body is a complex machine running 24/7, and it deserves a software layer that can actually keep up. That’s the idea behind what founder Will Ahmed from WHOOP calls the Health OS: continuous monitoring, proactive intelligence, […]

As we gear up for spring cleaning season, you may feel the need to do a little decluttering. If you do, I hope you’ll join my Tidy-Up Tuesdays challenge in April. Read on to find out how the challenge works and how you can participate. The post Join the Tidy-Up Tuesdays decluttering challenge appeared first on Boomer Eco Crusader.