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.