About me - Luis Garcia

About me

I am a public D&O Insurance Underwriter currently completing my B.S. in Economics and Finance. I am bearish with regards to the prospects of the United States Dollar and bullish on metals, including Gold, Silver and Uranium. In addition to my experience in the financial markets, I have also had exposure to mortgage financing and real estate brokerage. Prior to finding Helium, I was writing blogs devoted to such passions at other websites. I look forward to contributing my thoughts and knowledge so that someone can benefit from it. I invite constructive criticism and I am open to discussion.

Featured article by Luis Garcia

Home & Garden > Real Estate (Other) Real estate investing: Look before you leap

If you are curious like me, chances are the thought of when to buy a home has crossed your mind. After all, prices have come down dramatically since the peak in 2005/2006. Moreover, the Government is artificially stimulating demand with historically low interest rates and by granting $8,000 tax breaks for first time homeowners if purchased before 12/31/2009. Given this backdrop, has housing bottomed? From a macroeconomic perspective, the answer is hell no. The unemployment rate is increasing at a parabolic rate, although the standard deviation and rate of change reflects a slower descent o...

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