These are my periodic letters to clients and the interested. 

I have included two email to clients from before I started writing annual letters.  My first annual letter is from January 2008 where I pointed out problems with the real estate and financial markets.  In 2009, I started writing more regularly in an effort to help others, and myself, better understand the very different times we are dealing with due to the 2008 financial crash, major demographic shifts and developing resource scarcity. 

Also follow me at MarketWatch.com of the Wall Street Journal network where I write weekly.

Display # 
2013: We're Still Here 06 January 2013
Coming Home Again 17 October 2012
Freedom From OPEC 02 July 2012
Small Company Stock Investing 06 April 2012
2012 Another Year the World Won't End 02 January 2012
After Midnight 07 October 2011
Freedom From Stagflation 02 July 2011
Buying the Unloved 31 March 2011
2010 Review & The Great Retrenching 02 January 2011
Put It There and the Gift of Real Estate 07 December 2010
Demographic Depression 07 October 2010
Independence Day 02 July 2010
Chinese Fortune Cookie 07 March 2010
Very Interesting Times 05 February 2010
A New Decade: Crossing Mountains 02 January 2010
A Recession By Any Other Name 30 September 2009
Inflation v Deflation, the "D" Word and Low Hanging Fruit 07 September 2009
Bridges To Freedom 01 July 2009
2008 Review: A Whale of a Year 02 January 2009
2007 Review: Turning Point 05 January 2008
The Second Act 04 November 2004
Ever Feel Like Andy Rooney? 21 November 2003