Market Mechanics

This is a snippet from our recent quarterly commentary. We ask the question about the path toward investment success and wonder if there is another option that plays an important role in moving markets. In addition, we focus in on the Fed and their not-so unbiased nature when it comes...

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Eurozone – Sinkhole

The Eurozone financial condition has been in a state of disarray for some time. It is apparent to everyone watching that the ECB and the financial authorities didn’t do much to really put in place a plan to build a better foundation underlying the banks after the financial crisis.

What they...

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H&C Economic Commentary – 1st Quarter 2019

Hope, Fear – Where Are We In the Cycle?
It was a brutal quarter for equities. The full-year was not too pretty either. In fact, looking back, it was one of only a few times in history that all major asset classes closed lower for a calendar year. In other...

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Passive Investing: Some Flies in The Ointment

The Debate Continues:  Passive or Active for Fixed Income?
Over the years, there has been a robust and healthy debate within the investment community focused on the benefits of passive vs. active investing. Historically we have taken the position that, within the fixed income space, active strategies are generally the...

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H&C Economic Commentary – 4th Quarter 2018

Cycles Pulled Forward
Bullish U.S. Cycle
“History doesn’t repeat itself but it often rhymes“ – Mark Twain

Cycles are an economic reality. Sometimes they are short, sometimes they extend a bit longer than expected. But, more often than not, it is the same story that we see play out...

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Benzinga FinTech Awards – Notes from the Conference (5)

Kasasa – Gabe Krajicek

This company provides Loan Payoff Scheduling and how it impacts the loan payoff timeline.  The program calculates this for one-time payments or increasing your payments to your loan.  This is nothing new, however…
This type of program allows you to remove some of your additional...

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Benzinga FinTech Awards – Notes from the Conference (4)

The Age of Blockchain How it will change finance:

John Hart – Director of Trading TD

The regulatory grey area is difficult to bypass and get to the point of utilization.

Raj Karkara – Managing Director at T0 and Overstock

The use of blockchain is unlimited and needs to be utilized in...

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Benzinga FinTech Awards – Notes from the Conference (3)


AI Appstore for insurance
Products / Services

Online insurance quotes through photos.
Google type results for insurance companies / policies.  Ask the AI to produce results for your policy or questions about your policy.

For insurance companies, your data never leaves your server.
A new way...

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Benzinga FinTech Awards – Notes from the Conference (2)

Anton Mozgovoy – HumanIQ – Listen to the Podcast interview HERE

Financial Inclusion – Provide social and financial services for those that are “Unbanked”.  People who don’t have bank accounts.

Platform for extending credit to the unbanked.

Provide initial capital to get the community started
Allow those within the community...

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Benzinga FinTech Awards – Notes from the Conference (1)

TD Ameritrade on The Future of Finance and Social Media:

In a conversation with TD Ameritrade’s Sunayna Tuteja and Facebook’s Kahina Van Dyke, the following points were highlighted regarding the Future of Finance and Social Media.

Highlighting the uses of Facebook in Business.
Messenger is the main driver to communicate...

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Do You Want To Play A Game?

Do you want to Play a Game? The stakes are high and the potential impact to your portfolio is significant.

In this issue of the Horowitz & Company Economic Commentary, we discuss the potential for an escalation of a trade war between the U.S. and China:
The latest round of U.S....

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H&C 1st Quarter 2018 Economic Commentary

Markets often react to data in peculiar ways. This quarter we discuss some interesting observations on how markets interpret data. Starting off with a look at the Citi Economic Surprise Index:
Perhaps one of the more interesting views of how market participants see the world is based on their reaction...

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