Personal Disciplines and COVID-19

Let me begin by stating, unequivocally, that the COVID-19 pandemic is a serious health risk that will take all of us to stem its spread while medical health professionals frantically work for a vaccination. Nothing that follows is intended to diminish the plight of those that are suffering from this dangerous virus. Still, the shelter-in-place …

Churches and COVID-19

Much ink has been spilled in recent weeks as Americans come to grips with what much of Asia, Europe, and the Middle East have been dealing with for months. Coronavirus or COVID-19 is a global pandemic and, in all probability, is something that we will be dealing with, both socially and economically, for the next …

The Future Path of Interest Rates

Someone I work with recently asked me if it was a good time to refinance their mortgage or if they were better off waiting for a bit. This is really two questions the first of which is, are interest rates likely to move lower, stay the same, or move higher than they are now? The …

Can We Talk About the Airlines?

I’ve had occasion to travel quite a bit recently, much of it on major commercial air carriers. These are large, multi-billion dollar companies that have mastered the logistical challenges of maintaining and flying huge fleets of aircraft, moving tens of thousands of people around the world everyday. And yet…they don’t seem to understand incentives. I …