This past Fourth of July, I found myself on a patch of grass at our usual park—watching the night sky erupt in color over Saddleback Valley. The kind of view we’ve come to expect year after year. But this time, something different settled in. Gratitude. Not the kind you plan for or post about—bu

Affordability Issues: An Increasing Concern A significant issue raised in the UBS report is the rising unaffordability of homeownership in the United States. The median monthly mortgage payment has reached much higher than during the 2006/2007 housing bubble peak. This rise in cost has made it more