The Big Picture

JUNE 29, 2023

This is the key difference between investing and other pursuits, like politics, sports or religion: The feedback loop in markets is just so much faster than everything else. If your fundamental belief system is wrong, if you rely on “facts” that turn out to be false, you typically find out sooner rather than later. But what do I know

Investing 312

Investing Investments Manufacturing Accounting 312

Abnormal Returns

MARCH 2, 2024

vox.com) More trees means cooler temperatures. technologyreview.com) Math The decimal point is 150 years older than you think. advisorperspectives.com) The Apple ($AAPL) Vision Pro needs more content. wired.com) Behavior How to say 'no' more often. sciencedaily.com) The flu shot is working as expected flu season.

Medicine 247

Medicine Math Financial Advising Media 247

Carson Wealth

NOVEMBER 29, 2023

By Matt Lewis, CLTC ® , Vice President, Insurance In today’s world it’s fair to say that most reasonable people believe they are going to live a long life. And when you live a long life, it’s also fair to say that sooner or later, we’re going to need some form of care. What Is Long-Term Care Insurance?

Planning 143

Planning Insurance Assets Financial Advisor 143

Abnormal Returns

OCTOBER 14, 2023

(hakaimagazine.com) Archaeology More evidence that humans were in the Americas far earlier than previously thought. apnews.com) A lot more of the Amazon basin is to be mapped by Lidar. bloomberg.com) Animals The more we learn about cephalopods the more careful we should be.

Food 254

Food Media Financial Advising Transportation 254

Nationwide Financial

APRIL 28, 2023

Key Takeaways: The WA Cares Fund, a mandatory long-term care insurance benefit was officially signed into law in April of 2021, and its short lived opt-out opportunity affected the ability to get LTC business issued in a timely fashion all around the country. What was learned from the WA Cares Fund “opt-out” opportunity?

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Insurance Taxes Clients Numbers 105

The Big Picture

FEBRUARY 21, 2024

In work on economic games, he explores how choices commonly presumed to be economic in nature actually hinge more on psychological factors, such as social norms and emotion. What people tell you, to your face is different from what they’re saying behind your back. Dunning’s research focuses on decision-making in various settings.

Media 141

Media License Planning Economics 141

The Big Picture

AUGUST 19, 2022

But rational people can reasonably disagree on anything market-related — after all, someone has to be on the other side of your trade. Prices are more or less “right” — at least relative to returns for the risks assumed — during long trends. Surveys of investors are laughable.

Marketing 312

Marketing Marketing Risk Tolerance Economy 312

The Big Picture

MARCH 13, 2024

For more info, see: Personal Bio Professional website LinkedIn Twitter ~~~ Find all of the previous At the Money episodes here , and in the MiB feed on Apple Podcasts , YouTube , Spotify , and Bloomberg. And the answer is they matter more now than they have, say, over the last 15 years for a very simple reason. It is not 2%.

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Numbers Insurance Economy Marketing 277

The Big Picture

FEBRUARY 21, 2023

If you think about what Vanguard is all about, we sit there each and every day, figuring out how do we help people retire better, put their kids through college, afford that dream home? My father said to me at that time, save lives or help people live better lives, anything else and you’re wasting your time. BUCKLEY: No.

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Clients Investing Investments Retirement 269

Nerd's Eye View

FEBRUARY 14, 2024

When an investor is seeking to work with a financial professional, there's a substantial difference in expectations about the nature of the relationship when the professional being consulted is an advisor versus when they're a salesperson. Against this backdrop, the U.S.

Retirement 116

Retirement Financial Advisor Insurance Sales 116

Random Roger's Retirement Planning

NOVEMBER 13, 2023

First are two articles about people's reluctance to start to spend down their retirement savings from Kitces and Morningstar , it is a difficult psychological pivot to go from accumulating to decumulating. People are more comfortable spending income from guaranteed sources than from their own accounts.

Retirement 74

Retirement Retirement Planning Commission Medical 74

Mr. Money Mustache

FEBRUARY 3, 2024

Tried to determine if there were any Principles of Mustachianism that were genuinely going obsolete, versus the more common side effects of Complainypants and/or Excuse-itis, two afflictions which have been weighing down our critics since the beginning. At this point, people get defensive. So what’s the situation right now?

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License Engineering Budgeting Manufacturing 127

Nationwide Financial

NOVEMBER 15, 2022

Key Takeaways: Discussing parent’s or other loved one’s potential long-term care and elder care needs should be done in person if at all possible, not by phone or email. That’s why, with the right strategy and some thoughtful planning, the holidays can be a great time to discuss long-term care (LTC) and elder care planning.

Planning 98

Planning Clients Insurance Management 98

Integrity Financial Planning

APRIL 18, 2023

” It’s a common question and one that causes a lot of people a lot of reasonable anxiety. Because retirement finances are much more about prediction than they are about facts and assurances, it can be hard to feel confident that you will have enough to carry you through your entire retirement.

Retirement 98

Retirement Medical Budgeting Financial Planning 98

Carson Wealth

APRIL 8, 2024

economy continues to look solid, with markets rallying Friday after a stronger-than-expected jobs report. The S&P 500 has gained more than 10% in the first quarter only 11 times in its history, and what followed was typically good for the bulls. ­­ April gained 1.1% on average and higher less than 50% of the time.

Marketing 96

Marketing Marketing Valuation Economy 96

Discipline Funds

MARCH 21, 2024

This took some people by surprise as recent inflation readings have come in a little hotter than expected and could justify higher rates for longer. More importantly though, Core PCE is in a very obvious downtrend. More importantly though, Core PCE is in a very obvious downtrend. over the coming year.

Economy 74

Economy Economics Accounting Financial Market 74

MarketWatch

APRIL 14, 2023

toward a four-month high in premarket trading Friday, after the health insurer reported profit and revenue that rose above expectations and lifted its full-year earnings outlook. UnitedHealthcare served nearly 2 million more people than it did a year ago, with growth across its commercial, community-based and senior-benefit offerings.

Insurance 75

Insurance Marketing Marketing 75

Carson Wealth

MARCH 2, 2023

Having a good-sized pool of liquid assets is important so you can preserve your capital rather than making withdrawals during an ongoing market downturn, which can have a damaging impact. A source of income that some people overlook is their home. Finally, look at your debt picture.

Retirement 98

Retirement Taxes Financial Advisor Accounting 98

Discipline Funds

JANUARY 12, 2024

In my view it’s even better than holding the real thing because you don’t have to worry about losing your keys. We already had a futures Bitcoin ETF so while this might bring marginally more efficiency to the structure I don’t think it’s moving the needle too much. Bitcoin has a standard deviation of 50%+.

Insurance 83

Insurance Portfolio Assets Clients 83

Discipline Funds

MAY 23, 2023

A big part of this is that the housing market has held up better than many predicted. Now, I want to be careful here because I could have said the exact same thing in 2007, but I do believe this time is different. That’s not good for housing and real estate more broadly.

Economy 90

Economy Banking Sales Marketing 90

Nationwide Financial

AUGUST 8, 2022

The cost of medical care is a too-often overlooked consideration when planning for retirement. While the cost of healthcare has typically increased at a rate that exceeds the inflation rate, COVID brought a temporary reprieve in the rising cost of medical care expenses. Total spending on health care in the United States rose by 9.7%

Medical 52

Medical Retirement Healthcare Clients 52

Random Roger's Retirement Planning

DECEMBER 20, 2023

The article started with a rehash of the latest numbers we mentioned the other day that Gen-X on aggregate expects to be $439,000 short of what they think they need, $661,000 versus $1.1 The article looked at mistakes that people make in their retirement planning including making a "big Social Security mistake" by not waiting until 70.

Retirement 62

Retirement Retirement Planning Medical Planning 62

The Big Picture

DECEMBER 5, 2023

There aren’t a lot of companies, and there aren’t a lot of people that have the historical perspective on the rise of private equity like Michael Fish does. You know, business schools, of course have favored people with experience. But back then, in 1983, the entire analyst program of Goldman Sachs was 25 people.

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Management Investing Investments Numbers 173

Random Roger's Retirement Planning

DECEMBER 4, 2023

Something that the article touched on but I would give more prominence to is the persistent reality that it is very common for people to have their hand forced into retirement much earlier than they planned on. What would you do if your money had to start producing an income five years earlier than you were expecting?

Retirement 66

Retirement Asset Allocation Planning Accounting 66

Random Roger's Retirement Planning

OCTOBER 3, 2023

The Wall Street Journal had a fun article about how much cash people should have around the house for emergencies. It acknowledged than people who live in areas prone to natural disasters, including wildfires, might want to have a little more than people who are not geographically susceptible to natural disasters.

Retirement 58

Retirement Food Healthcare Medical 58

Clever Girl Finance

OCTOBER 7, 2022

People with degrees may even find themselves working low-earning jobs. These generally involve necessities or everyday life situations that people will pay for even when times are tough, such as food and healthcare. Our physical and mental health doesn’t care about what’s going on in the economy. 19 recession-proof jobs.

Healthcare 97

Healthcare Education Transportation Medical 97

Inside Information

MARCH 1, 2024

There’s a lot of hand-wringing all over the profession about the shortage of staff advisors and successors—the people who are needed to take the place of thousands of RIA firm founders who are approaching retirement. In my experience, the marketplace itself takes care of these problems in its own time and with great efficiency.

Marketing 40

Marketing Marketing Financial Planning Planning 40

Clever Girl Finance

SEPTEMBER 28, 2022

We all know the importance of self care. But did you know that there are barriers to self care that affect your wellbeing and finances as well as your mental and physical health too? Being aware of the common barriers to self care that impact your finances can help you live a better and more financially stable life.

Budgeting 59

Budgeting Planning Accounting Banking 59

Trade Brains

FEBRUARY 18, 2024

The life expectancy of people can gradually increase over time. RoCE was higher than RoE, indicating better debt utilisation. Jaipur SEZ plant is expected to start in Q3. The CAPEX plan for FY24 is expected at 210 crores. The CAPEX plan for FY24 is expected at 210 crores. from 2022 to 2030.

Planning 59

Planning Medical Healthcare Manufacturing 59

Truemind Capital

JANUARY 16, 2024

Stories of someone in your circle making a lot more money than you have a great potential to disturb the peace of mind and create an urge to go against the carefully laid out strategies & plans. People like to talk about their winners and not losers. But people will gloat about buying that particular stock.

Financial Market 52

Financial Market Marketing Marketing Asset Allocation 52

The Big Picture

JULY 11, 2023

Because California finance, very different than New York finance culturally. I actually think that what influences it more than anything now is the tech culture that’s going on on the West Coast. It’s kind of moved to Lululemon pants and button-down shirts is about as dressed up as people used to wear.

Management 213

Management Investing Investments Assets 213

Tucker Advisors

APRIL 4, 2023

This incentivized people to work longer and, in fact, the U.S. But the Bureau of Labor data shows that something else has also occurred over the last four decades: People lost their pensions (defined benefit plans) and were forced into defined contribution plans, usually in the form of 401(k)s.

Retirement 75

Retirement Financial Advisor Planning Budgeting 75

Random Roger's Retirement Planning

MARCH 19, 2023

Barron's had a fantastic (not being sarcastic) article about potential health care cost inflation coming for retirees. One expert said to prepare for 10-14% increases for a couple of years and then expect 5% after that. I talk about preventing or solving our own problems and how we take care of ourselves is a very tangible example.

Food 68

Food Medical Insurance Medicine 68

Trade Brains

OCTOBER 24, 2023

In this article about Shanthala FMCG Products IPO Review, we shall see about the company, financials, strengths and more. The company offers a range of products, including branded packaged foods, personal care products, education and stationery products, matches and agarbatti, tobacco products, and beauty and well-being products.

Food 59

Food Retail Manufacturing Distribution 59

Carson Wealth

AUGUST 7, 2023

The agency cited “the expected fiscal deterioration over the next three years, a high and growing general government debt burden, and the erosion of governance relative to ‘AA’ and ‘AAA’ rated peers” as reasons for the downgrade. That is faster than the pre-pandemic pace. few people believe in that ranking.

Marketing 52

Marketing Marketing Government Economy 52

Abnormal Returns

SEPTEMBER 24, 2022

axios.com) Why we need more power lines. wired.com) Expect more episodes like the Yukon salmon crisis. wsj.com) Travel Airbnb ($ABNB) hosts are asking guests to do more chores at checkout. nytimes.com) Heat makes people angry and aggressive. humbledollar.com) What to expect when you get a colonoscopy.

Food 130

Food Financial Advising Transportation Media 130

Random Roger's Retirement Planning

NOVEMBER 1, 2023

There wasn't necessarily anything new for people who've been following this for a while but somehow they managed to make their version of the story more ominous. I need to dig in a little more and will report back. Sticking with that example, that might be beyond what most people can do.

Retirement 55

Retirement Budgeting Accounting Planning 55