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Strategies & Market Trends : The Epic American Credit and Bond Bubble Laboratory -- Ignore unavailable to you. Want to Upgrade?

To: Elroy Jetson who wrote (18009)8/24/2004 9:13:16 AM
From: Ramsey Su  Respond to of 110194
 
Elroy and Russ,

Yes, I do realize the trend, switching from the more expensive unsecured credit card debt to the cheaper HELCOs or just plain cash out refi.

Trying to time the activities, the last mini refi mania was over around March/April. I figure the average Joe would have used up all that "free" cash by now and dipping heavy into credit cards again.

Ramsey



To: Elroy Jetson who wrote (18009)8/24/2004 2:08:58 PM
From: russwinter  Respond to of 110194
 
Contrary Investor uses the 30yr Treasury/Vanguard High Yield Corp ratio to track credit spreads. Has been widening a bit of late since hitting double bottoms in May-June. I will add this to the lab tools section of the thread for those who care to track:
stockcharts.com[m,a]daclniay[pd20,2!b50][vc60][iUc20!Lf]&pref=G


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