Abnormal Returns

JANUARY 29, 2023

Top clicks this week A look at Vanguard's 10-year equity return forecasts. (etf.com) Why higher interest rates won't cause a big shift from stocks into bonds. (awealthofcommonsense.com) Some rules of thumb on how much car or house you can afford. (thomaskopelman.com) Many investors don't understand the difference between arithmetic and geometric returns.

Asset Allocation 162

Asset Allocation Assets Investing Investments 162

A Wealth of Common Sense

JANUARY 29, 2023

Each year Aswath Damodaran at NYU kindly updates the annual returns for stocks (S&P 500), bonds (10 year Treasuries) and cash (3-month T-bills) going back to 1928. I love this data because stocks, bonds and cash are the building blocks of asset allocation.1 Sure, you can add other asset classes and strategies but those three are where most investors should start when it comes to figuring out your portfolio mix.

Asset Allocation 141

Asset Allocation Assets Portfolio Marketing 141

Abnormal Returns

JANUARY 29, 2023

Markets 11 things that zero interest rates enabled including the rise of Cathie Wood. (youngmoney.co) The 'nice-to-have' economy is already in recession. (wsj.com) AI Everyone is watching for Google's ($GOOGL) next move in AI. (wsj.com) Generative AI startup, Anthropic, is set to raise a mega-round of capital. (nytimes.com) How AI is being used to 'auto-complete' code.

Financial Advising 130

Financial Advising Advertising Startup Economy 130

Wealth Management

JANUARY 29, 2023

Investors should ideally balance income-producing properties that typically generate modest yet steady returns with more growth-oriented investments that can potentially produce higher returns over a longer period.

Investing 108

Investing Investments 108

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Accounting

The Irrelevant Investor

JANUARY 29, 2023

Imagine the United States of America can’t pay its bills. That would be a pretty scary proposition. This sounds inconceivable, but it’s not without precedent. What this could do to the economy and the stock market is anybody’s guess, but there is probably less cause for alarm than you might think. That’s because the market does a good job of pricing in risk events that have a date associated with t.

Government 104

Government Economy Marketing Marketing 104

Integrity Financial Planning

JANUARY 29, 2023

If you forgot what compounding interest was, let’s refresh. Compounding interest is the process by which the interest earned on an investment is reinvested so that the initial investment grows over time. It may not seem like it, but compounding returns is a powerful tool that can significantly increase the value of an investment over the long term, making it an important concept to understand when planning for retirement.

Retirement 95

Retirement Financial Planning Investing Investments 95

Million Dollar Round Table (MDRT)

JANUARY 29, 2023

By Kennedy Sumarlie, CFP Most of the time, retirement plans and children’s education fund-related products require long-term discipline and consistent financial commitment. This feels challenging for some clients. When I encounter a client who may be hesitant about long-term planning, I often use simple explanations. I avoid insurance jargon so it’s easier for people without an insurance background to understand.

Clients 88

Clients Financial Planning Planning Retirement Planning 88

The Irrelevant Investor

JANUARY 29, 2023

Today’s show is brought to you by Teucrium We had Sal Gilbertie, CEO of Teucrium on the show to get an update on global commodity markets and a rundown on Teucrium’s latest fund. On today’s show, we discuss: What is going on with Oil & Gas Thoughts on if inflation peaked or not Supply and demand within agriculture An update on grain exports from Ukraine Teucriums machine learning L/S fund How China affects.

Marketing 88

Marketing Marketing 88

Clever Girl Finance

JANUARY 29, 2023

If you want to manage your money well, asking yourself some key personal finance questions is part of the answer. Taking stock of your finances can be a real task. So maybe it isn't too surprising that only around 27% of Americans have a financial plan. However, once you start pondering over the following questions, you can reassess your financial future.

Budgeting 79

Budgeting Financial Planning Planning Management 79

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As we step into 2024, the lending landscape evolves rapidly with technology, regulations, and market dynamics driving change. For banks and financial institutions to stay competitive and meet the evolving needs of their customers, these drivers must be understood and engaged with. Lenders can anticipate significant transformation fueled by technological advancements, regulatory shifts, and changing consumer behaviors.

Banking

Advisor Perspectives

JANUARY 29, 2023

With the release of Friday morning's report on December's personal incomes and outlays, we can now take a closer look at "real" disposable personal income per capita. At two decimal places, the nominal 0.22% month-over-month change in disposable income comes to 0.17% when we adjust for inflation. This is a decrease from last month's.28% nominal and 0.18% real change.

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oXYGen Financial

JANUARY 29, 2023

![CDATA[ The debate between spending money now and saving for the future is a complex and multifaceted one, with valid arguments on both sides. On the one hand, there are those who argue that it is important to enjoy life and spend money on the things that make us happy, especially in the present moment. This perspective is often referred to as "living in the moment" or "carpe diem," which is a.

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Advisor Perspectives

JANUARY 29, 2023

The BEA's Personal Income and Outlays report for December was published on Friday morning by the Bureau of Economic Analysis. The latest Headline PCE price index was up 0.05% month-over-month (MoM) and is up 5.02% year-over-year (YoY). Core PCE (YoY) dropped to 4.42%, still well above the Fed's 2% target rate.

Economics 72

Economics 72

Calculated Risk

JANUARY 29, 2023

Weekend: • Schedule for Week of January 29, 2023 Monday: • At 10:30 AM ET, Dallas Fed Survey of Manufacturing Activity for January. This is the last of the regional Fed manufacturing surveys for January. From CNBC: Pre-Market Data and Bloomberg futures S&P 500 futures are down 5 and DOW futures are down 46 (fair value). Oil prices were down over the last week with WTI futures at $79.68 per barrel and Brent at $86.66 per barrel.

Manufacturing 57

Manufacturing Marketing Marketing 57

Speaker: Joe Buhrmann, MBA, CFP®, CLU®, ChFC® Senior Financial Planning Practice Management Consultant eMoney Advisor

During an era of evolving consumer preferences, the banking sector is undergoing a profound shift. As customers continue to broaden their perspectives, banking professionals must support their customers' financial wellness by providing holistic financial advice that aligns with individual goals and circumstances. Without adapting, financial institutions will find that loyalty may crumble amid uncertainty.

Financial Advice

Advisor Perspectives

JANUARY 29, 2023

The January Final Report came in at 64.9, up 5.2 (8.7%) from the December Final. Investing.com had forecast 64.6. Since its beginning in 1978, consumer sentiment is 24 percent below the average reading (arithmetic mean) and 23 percent below the geometric mean.

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Calculated Risk

JANUARY 29, 2023

Expectations are the FOMC will announce a 25bp rate increase in the federal funds rate and analysts will be looking for any mention of a possible pause in rate hikes at the March FOMC meeting. From Merrill Lynch: "At the February FOMC meeting, we look for the Fed to raise the target range for the federal funds rate by 25bp to 4.50-4.75%. incoming data that points to a broadening of the slowdown and further signs of decelerating price pressures appear to have tipped the balance within the FOMC to

Banking 57

Banking Economy 57

James Hendries

JANUARY 29, 2023

When you hear the term identity theft, the first thought that comes to mind may involve a data breach or opening a credit card in someone else’s name. But another common type of identity theft involves the use of someone’s Social Security number to unlawfully intercept their income tax refund. Unfortunately, this fraud often isn’t discovered until the victim tries to file their taxes.

Taxes 52

Taxes Electronics Numbers Accounting 52

Advisor Perspectives

JANUARY 29, 2023

The National Association of Realtors released the December data for its pending home sales index. According to the National Association of Realtors®, " Pending home sales increased in December for the first time since May 2022 — following six consecutive months of declines.

Sales 52

Sales 52

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Digital platforms can provide you with plenty of solutions, yet many are still intimidated by them. It's time to end that worry and embrace what could make a major difference for your bank. Understanding how they work and how to best utilize them for your banks is key toward success. In this article, Biz2X breaks down all things digital platforms, including the many advantages of embracing them.

Banking

oXYGen Financial

JANUARY 29, 2023

![CDATA[ Usually, what comes to mind when you hear of or see a Mac PC is an infallible system that's secure from malware or viruses. This reasoning is flawed. These PC systems are vulnerable and what's worse is that there are now more threats to the macOS than there were before. These threats, if unchecked and not fought against, will cause many security and privacy problems for the user.

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Advisor Perspectives

JANUARY 29, 2023

The S&P 500 climbed for most of the week, ending with its highest close of the year on Friday. The index is up 6.04% YTD and is 15.14% below its record close.

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Clever Girl Finance

JANUARY 29, 2023

Net worth can be a pretty intense topic. Most of us know our net worth isn't as high as Beyonce’s, but do you know your net worth by age comparison? Keep in mind that ultimately, your net worth goals depend on what you want to accomplish financially from a personal perspective. So as you review these details on net worth comparison by age, keep your unique objectives in mind.

Budgeting 115

Budgeting Retirement Assets Education 115

Random Roger's Retirement Planning

JANUARY 29, 2023

From Twitter on Sunday; I've been referring to bonds with duration as being sources of unreliable volatility. A common reason to have fixed income exposure, often 40% of a portfolio, is to help manage equity market volatility. Longer bonds were down just as much as the S&P 500 in 2022, the longest of bonds were down more. This year, they appear to be up the same.

Portfolio 67

Portfolio Asset Allocation Assets Management 67

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Management

Clever Girl Finance

JANUARY 29, 2023

Every summer a fresh wave of black college women start a new phase of their lives after high school. Many discover who they are, what their goals are, and what they want to do once they graduate. However, the student debt crisis is unfortunately still a big problem. It can be an exciting time because college promises the ability to start earning a consistent income after graduation.

Budgeting 105

Budgeting Education Planning Government 105

The Big Picture

JANUARY 29, 2023

Avert your eyes! My Sunday morning look at incompetency, corruption and policy failures: • There have been more than 600 mass shootings since January 2022 : Mass shootings — where four or more people, not including the shooter, are injured or killed — have averaged more than one per day since this time last year. Not a single week in 2022 has passed without at least four mass shootings. ( Washington Post ) see also Gun violence in US and what the statistics tell us : Among high-income countries

Manufacturing 260

Manufacturing Economics Banking 260