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1946 vs. 2026
A look at income tax rates and what it all means
Oct 12 • 
Ben Sprague
1
1
How Much Market Share are Vacation Rentals Pulling from Hotels?
Greetings, readers.
Oct 5 • 
Ben Sprague
2

September 2025

It's Still Expensive to Build
Plus: a bifurcated building market
Sep 28 • 
Ben Sprague
3
Home Loan Rates Near Yearlong Lows
Commercial rates also tick down
Sep 21 • 
Ben Sprague
5
Are Black Swans Swimming in the Labor Market?
The implications of a softening job market
Sep 14 • 
Ben Sprague
4
1
The World Changes Fast
The term Black Swan was popularized by scholar and statistician Nassim Taleb.
Sep 7 • 
Ben Sprague
5
1

August 2025

The Looming Critical Thinking Crisis
And what will matter in the classrooms and workplaces of the future
Aug 31 • 
Ben Sprague
6
2
What the Next 18 Months of Interest Rates Could Look Like
Trivia This particular question is unrelated to today’s article, I’m just throwing this in to try something new.
Aug 24 • 
Ben Sprague
5
Lessons from Nvidia
Plus: a book review of The Nvidia Way by Tae Kim
Aug 17 • 
Ben Sprague
Housing Inventory Jumps
Two key pieces of recent data suggest the housing market is showing further signs of stabilizing after a frenzied few years.
Aug 10 • 
Ben Sprague
Shadow Banks and the Financial System Periphery
“Who knows what evil lurks in the hearts of men.
Aug 3 • 
Ben Sprague
5
1

July 2025

The End of Late Night
Greetings, readers.
Jul 27 • 
Ben Sprague
4
1
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