Commodities?!? Really!?

By Joe Day

How do you solve a problem like commodities? Sound of Music, anyone? Well, if you are not a fan of musicals, that is okay. Chances are at this point in the market cycle, you are probably not a fan of commodities, either. Commodity prices are clearly a hot-topic right now and not in a good way.  As anyone who owns commodities knows,… Read more


The Fed, Rising Rates and Senior Bank Loans?

By Joe Day

In the media there is a lot of talk about the Federal Reserve Board (“the Fed”) and its chairman, Ben Bernanke. The Fed is often charged with managing the country’s monetary policy. Monetary policy helps manage the amount of actual money in the financial system and helps establish interest rates for US borrowers. Currently, the Fed is taking extraordinary steps… Read more


Do Not Make Me Say It Again…

By Joe Day

Nearly, every parent or child has uttered or heard the words “Don’t make me say it again…” at some point in their life. That is exactly the thought that comes to mind when I think about the dominating headline of the day: Fiscal Cliff. There I said it, but don’t make me say it again. It is exhausting to discuss… Read more


The Volcker Rule

By Joe Day

A very important topic that unfortunately is not getting enough attention by the public… below some insightful commentary from the CFA Institute into the Volcker Rule and its importance to the long-term health of our financial system: “It is not hard to see the delicate balance this rule-making situation requires. Too strict a rule and important players in the provision… Read more


A Recovery?

By Joe Day

Are we looking at a U.S. economic recovery?  Quite possibly.  How long could this recovery last?  It depends.  What does it depend on?  It depends on the following: * Housing * Unemployment * Europe * China * Iran Lets start with Housing: its been a long-slog for the housing and residential construction market.  However, it looks like we are turning… Read more


Bill Gross on Greek Debt

By Joe Day

Gross on the net affect of the Greece debt restructuring. It is now more expensive for any government to borrow money, bond investors will demand higher yields for the increased probability governments will be forced into restructuring. (Click here to read Bloomberg.com article)  


Why the rally today?

By Joe Day

Why are we seeing this rally today? Well, aside from some of the positive economic news regarding higher then expected sales of US existing homes, as well as new job hires there was a significant policy move by five central banks, including the Fed, Europe Central Bank, Bank of Japan, Bank of England and Swiss National Bank to help financial… Read more


Household Debt – How Bad Is It?

By Joe Day

The primary drag on economic recovery is the sheer size of US household debt.  It will take many years to bring the averages down.  The following excerpt tells us a lot: “From 1952 to 1979, the average ratio of household debt to gross disposable income was 57%, but over the past three decades the averages steadily, and then dramatically, climbed… Read more


Growing Pains

By Joe Day

Despite the negative economic outlook by the Fed on US and global growth, as well as the concerns in Europe regarding sovereign defaults, US leading economic indicators actually rose last month.  The primary reason is due to an increase in the money supply, because consumers are reserving their cash, keeping it in bank accounts.  This is a long-term positive, because… Read more


Budget Deals and Debt Limits

By Joe Day

A budget deal and an increase in the debt limit. Both need to happen. The question is what is the time-frame and is it credible? The longer the country waits for a solution, the more volatile US treasuries and the equity markets become. The one thing the markets do not like more then anything else, is uncertainty. (Click here to… Read more


 

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bio3Joe Day, CFA is the Founder of Bear Mountain Capital. Joe started the company after spending many years advising high net worth clients with a leading global wealth management firm. Joe earned the right to use the CFA designation from the CFA Institute in 2011. He also holds a degree in Business Administration, with a Major in Finance from Gonzaga University.

Luke Collova is an Investment Advisor Representative for Bear Mountain Capital focusing on planning, investment strategy, client development and operational support. Luke’s prior career included providing commercial insurance coverage for a global insurance firm. Luke maintains his Series 65 license and holds a degree in Business Administration, with an emphasis on Finance and International Business from the University of Puget Sound.