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2012
Back To Municipal Bond Basics
January 2012 		 
2011
"A Bond Market In Turmoil"
Municipal
Market Update
January '11 		The End Is Near
May '11		 Mid-Year Municipal
Market Update
July '11
The Effect of a U.S.
Rating Downgrade
August '11 		 
2010
"Build America Bond Story"
February '10
 		"The Cost of Waiting"
May '10		 Municipal
Market Update
July '10
"In Municipals We Trust?"
November '10
 		Credit Research Matters
More Than Ever
November '10		  
2009
"All Roads Lead to Rome...
or Should we say
Washington"
May '09 PDF
 		"One Year Later -
What is Different Today?"
December '09 PDF
2008
"The Bond Insurance Debacle - "A Fine Mess"
February '08 PDF
 		"Market Fundamentals are Different Today"
June '08 PDF		 “We have met the enemy and he is us!”
November '08 PDF
2007 
Municipal
Market Update
March '07 PDF
 		Municipal
Market Update
July '07 PDF		 "The Bond Market...
Can Intimidate Everyone."
Municipal
Market Update
August '07 PDF

"It was the Best of Times,
It was the Worst of Times..."
Bond Market
Commentary
October '07 PDF		  
2006
2005
Year in Review
January '06 PDF		 Should I buy a 6-month
T-Bill to earn 4.53%...
January '06 PDF		  
 
2005
2004 U.S.
Bond Market Recap
January '05 PDF		 "People cannot stand
too much reality"
April '05 PDF		 Waiting for
Higher Rates?
Summer '05 PDF
 
2004
"Sell When You Can, You
Are Not for All Markets."
January '04 PDF		 Long-term Interest Rates
will NOT spike upward...
March '04 PDF		 Municipal Bond
Pricing and Liquidity
April '04 PDF
"Where have you gone
Joe DiMaggio?"
Summer '04 PDF		   2005/2006
Interest Rate Outlook
Winter '04 PDF
 
2003
 
2002
  Registered and Qualified
The "Fed" & Main Street, USA
Spring '02 PDF		  
 
2001
 
2000
 
1999
1998
 
1997
Memorial Day Thoughts
1997 PDF		 BernardiService
Custodial Accounts
Winter '97 PDF		 President's Letter
Winter '97 PDF
 
1996
From The Trader's Desk
Spring '96 PDF		 Quarterly Article
Spring '96 PDF		 From The Trader's Desk
Autumn '96 PDF
  Quarterly Article
Autumn '96 PDF		  

 














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