We’ve been spoiled for some time with very low interest rates and almost non existent inflation. However, Inflation is once again here at historic levels and interest rates will continue to climb in order to try and combat it.

I hope everyone had the opportunity to re-finance all of your existing loans (1st mortgages should be no more than 2.5% for 30 years) and extend them for as long as possible. Nobody should have a 15 year mortgage at these rates because you can almost certainly get a better return with investments

Those who acquired rental properties before the housing cost boom really made out. The cost of borrowing was really low and you had the added benefit of a huge value increase. There is still time (as interest rates at 3% is still great) but finding properties may prove very difficult.

Also, rising interest rates have a way of turning a strong bull market rather bearish, so those wonderful returns in the markets may be behind us for awhile.

This was a problem of our own making as we flooded the economy with dollars in order to combat pandemic policies. Whether you agree with those policies or not, the bill now comes due.

As almost everyone knows, our government has been spending trillions of dollars. The effect of this on the national budget has largely gone unnoticed as interest rates have been historically low. It appears that is about to change

With the Fed now poised to start raising interest rates, the interest on the federal debt also goes up and starts to consume more and more of the budget (which then requires more debt to feed). As anyone who has experienced credit card debt should know, this is not a sustainable cycle.

With the national debt now at 30 trillion, every small increase in interest takes a big bite out of the national budget. We are now looking at the possibility that interest payments on the debt will soon exceed ALL of the personal income taxes collected In other words, this country is poised on the brink of bankruptcy.

As elected officials continue a path of reckless spending and giveaways, they will continue to ignore this lingering problem until it becomes a crisis. I would argue, the crises is already here and, as a nation, we need to take notice.

We’ve been spoiled by the Windows 10 upgrade for a long time. It was free and ran on almost all the hardware out there providing a stable, secure, and constantly updated desktop operating system.

Now comes the Windows 11 update which refuses to run on any “dated” hardware. In my office, Windows 11 will not install on a single machine. So all of my hardware is deemed dated even though it is working just fine. This isn’t a big deal for now as I (and everyone else) can simply continue to run Windows 10. However, that is going to change

Microsoft has announced that Windows 10 will reach the end of its life in 2025 (just 3 short years away) and at that time support for it will cease. This means over the next several years everyone will be forced to upgrade their hardware. While this is a windfall for Microsoft and computer makers like Dell, it is a cost burden to folks like me that we will simply have to deal with.

It’s time to start shopping…

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