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Market Snapshot with Annie Seelaus


The State of New Jersey

New Jersey currently has the dubious distinction of having the second lowest credit rating in the nation at A1 by Moody’s Investors Service (ahead of only Illinois). Standard & Poor’s has the state as the third lowest rating at A+ (ahead of California and Illinois). Both agencies carry on negative Outlook on the ratings. The financial issues in New Jersey are not new or unique, but are difficult to resolve. The State has an unemployment rate of 6.9% versus the 6.3% for the entire nation. According to the Tax Foundation (a non-partisan research think tank, based in Washington, DC.), NJ has the second highest tax burden in the nation, trailing only NY. The 500 pound gorilla in the room remains the unfunded pension liability which currently stands at $52 billion.

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Far be it for me to say something nice about AIG, but the lawsuit starting today should shed light into one of the dark corners of the financial bailout of 2008. The Federal Reserve and Treasury decided in the bleak, "world's coming to an end" days of Sept / Oct 2008 to pour money into AIG. The announced reason was to prevent insolvency of the insurance company and avoid another body blow to the markets. AIG did need bailing because that old Wall Street toxic recipe of greed, incompetence and lack of risk controls had bought the once proud company to the brink of bankruptcy.

Morning Call

Understanding the current conditions of the market is essential to properly managing your money. Updated daily, our Morning Call gives you a snapshot of current interest rates. Click for more . . .

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Money Matters And More

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