I bring a ton of real world experience to my commentaries on real estate prices and mortgages. My work in real estate is as a lender, owner, mortgage originator, and commentator. I have owned more than 285 properties. I have made hundreds of real estate loans for my portfolio. I have reviewed the finances of thousands of homeowners to advise them on a new mortgage. That's my grad school in real estate. HousingStory.net, my blog, centers on real estate prices and mortgages. The key blog publication, 10 Key Charts to See Before You Buy or Sell Your Home, has had over 500,000 readers. In my day job I am a loan officer for a federally-chartered credit union. I love to originate jumbo mortgages at killer rates.
About a year ago, a company asked me to write a daily blog for them. I told them that I’d never read a blog and had absolutely no idea how to write one but sure, if you want to pay me for it, I’ll give it a shot. It was either my good or bad fortune to start at the beginning of the credit crisis. Good because there was a lot to write about, bad because they didn’t really want me to chronicle and opine on the disaster of the day. Guess who won that standoff. But I was hooked on blogging, so I started my own blog, called it But Then What and here we are.
I’m not sure that credentials mean much when it comes to writing about things but people seem to want to see them, so briefly here are mine. I have an undergraduate degree in economics from an undistinguished Midwestern university and masters in international business from an equally undistinguished Southwestern University. I spent a number of years working for large banks lending to lots of different industries. For the past few years, I’ve been engaged in real estate finance – primarily for commercial projects. Like a lot of other finance guys, I’m looking for a job at this point in time.
Given all of that, I suggest that you take what I write with the appropriate grain of salt. I try and figure out what’s behind the news but suspect that I’m often delusional. Nevertheless, I keep throwing things out there and occasionally it sticks. I do read the comments that readers leave and to the extent I can reply to them. I also reply to all emails so feel free to contact me if you want to discuss something at more length. Oh, I also have a very thick skin, so if you disagree feel free to say so.
Enjoy what I write and let me know when I’m off base – I probably won’t agree with you but don’t be shy.
Visit my blog http://www.butthenwhat.com or follow me on twitter at twitter.com/tomlindmark.
Tim Iacono is the founder of the investment website 'Iacono Research', a subscription service providing market commentary and investment advisory services specializing in natural resources.
He also writes a financial blog known as 'The Mess That Greenspan Made', a sometimes irreverent look at the many and varied after-effects of the Greenspan term at the Federal Reserve.
Use the links below to visit Tim's website/blog.
John Lounsbury, Managing Editor and Co-founder of Global Economic Intersection, provides comprehensive financial planning and investment advisory services to a small number of families on a fee only basis. He has a background which includes 34 years with a major international corporation, 25 years in R&D management and corporate staff positions. More recently he was a Series 6, 7, 63 licensed representative with a major insurance company brokerage from 1992 to 2001. Since 2002 he has operated his own sole proprietorship business. Specific interests include political and economic history, econometric analysis and investment strategy analysis. Recreational activities include hiking, non-technical mountaineering and alpine skiing. He is also founding partner and managing editor of EconIntersect.com.
Ira Artman (http://www.linkedin.com/in/iraartman) has held quantitative analytical and whole loan trading positions in Mortgage and Structured Finance at JP Morgan Chase, Chase Manhattan, Security Pacific, and City Federal Savings. A graduate of Brown University and MIT’s Sloan School, Mr. Artman resides in New Jersey. He now writes the Sterling Slivers (http://mortgagenewsclips.com/category/ira-artman/) Mortgage Finance/Housing Blog at MortgageNewsClips.com. His writings focus on home prices, mortgage finance, and macro policy. Mr. Artman's views are his own. If you’d like to discuss this post with Ira Artman or contact him, his email address email@example.com (mailto:firstname.lastname@example.org)
Jeff Nielson is from Canada and is a writer/editor for Bullion Bulls Canada (http://www.bullionbullscanada.com/#content). He has a personal background in law and economics. Bullion Bulls Canada provides general macro-economic and political commentary, since the precious metals markets are among the most complex (and misunderstood) in the world.
It also provides basic coverage of Canadian precious metals mining companies. Canada is the global leader in mining exploration, and Canadian-listed mining companies (on the Toronto Stock Exchange and Venture Exchange) are responsible for the majority of the world's most-promising discoveries.
Bill Gross, called "the nation's most prominent bond investor" by the New York Times, is managing director of Pacific Investment Management (or PIMCO) and manages its Total Return fund, the world's largest bond fund and fifth largest mutual fund, and several smaller funds. He publishes a monthly letter discussing the bond market, and is the author of two books: Everything You've Heard About Investing Is Wrong! (http://tinyurl.com/nfc4x) and Bill Gross on Investing (http://tinyurl.com/nhmnj9).
Note: Mr. Gross is not an active contributor to Seeking Alpha; rather, SA editors excerpt regularly from Mr. Gross's public commentary. Visit PIMCO (http://www.pimco.com/)
Dr. Mark J. Perry is a full professor of economics at the Flint campus of The University of Michigan, where he has taught undergraduate and graduate courses in economics and finance since 1996. Starting in the fall of 2009, Perry has also held a joint appointment as a scholar at The American Enterprise Institute. Perry holds two graduate degrees in economics (M.A. and Ph.D.) from George Mason University and in addition, and has an MBA degree in finance from The University of Minnesota. In addition to an active scholarly research agenda, Perry enjoys writing op-eds for a general audience on current economic issues and his opinion pieces have appeared in most major newspapers around the country, including USA Today, Wall Street Journal, Washington Post, Investor’s Business Daily, The Hill, Washington Examiner, Dallas Morning News, Sacramento Bee, Saint Paul Pioneer Press, Miami Herald, Pittsburgh Tribune-Review, Detroit News, Detroit Free Press and many others. Mark Perry has been best known in recent years as the creator and editor of one of the nation’s most popular economics blogs, Carpe Diem. Professor Perry has written on a daily basis since the fall of 2006 to share his thoughts, opinions and expertise on economic issues, with a strong emphasis on displaying economic data in a visually appealing way using graphs, charts and tables.
Kurt Brouwer is the chairman and co-founder of Brouwer & Janachowski, LLC, a Tiburon, California fee only financial advisory firm that manages over $700 million for corporations, charitable groups and private investors. In this position, he has become a recognized expert in the field of investing and, more specifically, investing in mutual funds. USA Today called him, “…one of the most-respected mutual fund authorities in the nation.” Brouwer is the author or co-author of three investment books, including Kurt Brouwer's Guide to Mutual Funds and Mutual Fund Mastery, written with Steve Janachowski. He has written articles for Forbes, Barron’s, The San Francisco Chronicle, Pension World and other publications. He is also the editor of Fundmasteryblog (http://blogs.marketwatch.com/fundmastery). Brouwer & Janachowski’s web site is: www.fundmastery.com. Brouwer holds a degree in applied economics from The University of San Francisco.
I am the founder and director of three companies: Euro Pacific Capital (www.europac.net), a full service, registered broker-dealer and RIA which specializes in foreign securities; Euro Pacific Precious Metals (www.europacmetals.com), a gold & silver coin and bullion dealer; and Euro Pacific Asset Management (www.europacificfunds.com), a fund management company that is building a family of mutual funds based on my economic philosophy.
I am most well-known for accurately and publicly predicting the collapse of the housing and credit markets, the subprime crisis, and the increasing price of gold relative to the US dollar, resulting in the viral YouTube video "Peter Schiff Was Right."
I fly around the country and the world speaking to diverse groups, from academic conferences to Tea Party rallies. I have also appeared regularly on cable news stations since the mid-2000s trying to warn people of the impending economic collapse brought on by destructive fiscal and economic policy in Washington.
To that end, I published my first book, "Crash Proof: How to Profit from the Coming Economic Collapse," in early 2007, predicting the 2008 economic crisis while the mainstream commentators were saying it was impossible. Then, at the height of the crisis, I released "The Little Book of Bull Moves in Bear Markets," in which I showed readers how to help protect their finances in turbulent times. I've written updated versions of both Crash Proof and The Little Book since then, talking about how my predictions fared and why the worst of the crash is still ahead of us. I also wrote a book with my brother based on a popular comic book my dad wrote in the '70s. "How an Economy Grows and Why It Crashes" is an illustrated fable that starts with three guys on an island and uses allegory to explain exactly how we got into our current mess.
In the 2010 election season, I ran for the US Senate seat of retiring Senator Chris Dodd in my home state of Connecticut in order to bring attention to the mounting problems in this country. While I did not win the seat, my message of fiscal and monetary sanity was brought to a new audience of voters and political leaders.
I've had a regular video blog on YouTube since 2009, called The Schiff Report (www.youtube.com/user/SchiffReport) and, after giving up my long-running Wall Street Unspun podcast, I am now the host of a nightly radio show called The Peter Schiff Show (www.schiffradio.com).
Mr. Denninger is the former CEO of MCSNet, a regional Chicago area networking and Internet company that operated from 1987 to 1998. MCSNet was proud to offer several "firsts" in the Internet Service space, including integral customer-specified spam filtering for all customers and the first virtual web server available to the general public. Mr. Denninger's other accomplishments include the design and construction of regional and national IP-based networks and development of electronic conferencing software reaching back to the 1980s.
He has been a full-time trader since 1998, author of The Market Ticker (http://market-ticker.org), a daily market commentary, and operator of TickerForum, an online trading community, both since 2007.
Mr. Denninger received the 2008 Reed Irvine Accuracy In Media Award for Grassroots Journalism for his coverage of the 2008 market meltdown.
In 2011 Wiley published his book "Leverage", detailing the causes of the 2008 financial collapse along with analysis and policy prescriptions for the future.
I bring a ton of real world experience to my commentaries on real estate prices and mortgages.
My work in real estate is as a lender, owner, mortgage originator, and commentator. I have owned more than 285 properties. I have made hundreds of real estate loans for my portfolio. I have reviewed the finances of thousands of homeowners to advise them on a new mortgage. That's my grad school in real estate.
HousingStory.net, my blog, centers on real estate prices and mortgages. The key blog publication, 10 Key Charts to See Before You Buy or Sell Your Home, has had over 500,000 readers.
In my day job I am a loan officer for a federally-chartered credit union. I love to originate jumbo mortgages at killer rates.