Calculated Risk

JANUARY 15, 2023

This graph shows the Effective Fed Funds Rate (blue) since 1958. The graph shows two measures of inflation using a month-over-month change annualized (using a three-month average to smooth the graph). For example, for December 2022, I used an average of December, November and October 2022, divided by the average of November, October and September 2022.

Marketing 334

Marketing Marketing 334

Abnormal Returns

JANUARY 15, 2023

Top clicks this week Nine retirement myths including 'I’m frugal and plan to live on 50% of my pre-retirement income.' (humbledollar.com) The bear market is already over. (allstarcharts.com) High yield bank savings accounts are now actually high yield. (awealthofcommonsense.com) What a personal net worth statement tells you. (morningstar.com) The BNPL bubble is set to burst.

Retirement 157

Retirement Banking Accounting Planning 157

A Wealth of Common Sense

JANUARY 15, 2023

Some people might think it’s bizarre that turning the page on the calendar should matter to investors. Why do investment professionals care about the end of a month, quarter or year? These periods do seem arbitrary but the changing of the calendar from one year to the next offers a good chance for market nerds like myself to update some long-term market data.

Marketing 145

Marketing Marketing Investing Investments 145

Abnormal Returns

JANUARY 15, 2023

Strategy The stock market typically bottoms before earnings. (tker.co) Reg D offerings for retail investors are often illiquid, low information and high fee. (wsj.com) What investment beliefs do you hold that a majority of investment pros would disagree with? (mebfaber.com) Stop thinking in terms of binary outcomes. (pragcap.com) Finance Crossover investors took it on the chin in 2022.

Financial Advising 130

Financial Advising Economy Retail Economics 130

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Clients

Million Dollar Round Table (MDRT)

JANUARY 15, 2023

By Bryce Sanders I have always loved the beginning of the new production year because it means I’m not behind! With a clean slate, the firm’s top producers and I are both at the same starting point. It won’t stay that way though. Here are a few ideas on how to start the new year by putting some numbers on the table: Talk with clients about New Year’s resolutions.

Clients 98

Clients Retirement Taxes Accounting 98

Random Roger's Retirement Planning

JANUARY 15, 2023

DFA kind of invented factor investing. We talk a little bit about factors here but the group used to be pretty narrow in terms of funds available targeting growth or value, the funds from Research Affiliates seem to focus on what might now be called quality. I think there have been dividend-centric funds for a good while and the field has grown in the last 15 years or so to include, low/high volatility, momentum, I would include buybacks, various options overlays and people also include size as

Portfolio 75

Portfolio Management Marketing Marketing 75

oXYGen Financial

JANUARY 15, 2023

![CDATA[ 401k plans have been a popular employer sponsored retirement vehicle since employers have moved away from traditional pension plans for their employees. However, there may be a few things you might not know about your plan: "Maxing out": It's a common misconception that maxing out your 401k means you are contributing up to what your employer is matching you.

Retirement 64

Retirement Planning 64

James Hendries

JANUARY 15, 2023

Introducing structure to the chaos that tends to overtake your home will save you time and stress. You have items in your home right now that are not being used; these items can be repurposed into time- and money-saving projects. This will not only help you in the home, but will also allow you to use items to their full value. There are many seemingly useless items strewn about the house that end up in the trash can on a daily basis.

Budgeting 52

Budgeting 52

Trade Brains

JANUARY 15, 2023

Fundamental Analysis of Uno Minda: Minda Industries or Uno Minda has been in highlight recently for its consistent multi-bagger returns to its investors. As an auto-ancillary stock, it makes an interesting case because the auto industry has seen a downturn during the same period. In this article, we shall perform a fundamental analysis of Uno Minda (formerly Minda Industries), in a bid to know what makes this auto-component stock so different from the broad automobile and auto-ancillary industry

Manufacturing 52

Manufacturing Sales Commission Planning 52

The Big Picture

JANUARY 15, 2023

Avert your eyes! My Sunday morning look at incompetency, corruption, and policy failures: • Not so faux: How the ‘fake’ fur industry is secretly selling you real fur : Faux fur is a staple of the fashion industry. But what’s marketed as fake might actually be all too real. ( Grid ). • How Trump’s allies stoked Brazil Congress attack : The scenes in Brasilia looked eerily similar to events at the US Capitol on 6 January two years ago – and there are deeper connections as well. ( BBC ) see

Engineering 246

Engineering Distribution Manufacturing Media 246

Speaker: Claire Grosjean, Global Finance & Operations Executive

Finance teams are drowning in data—but is it actually helping them spend smarter? Without the right approach, excess spending, inefficiencies, and missed opportunities continue to drain profitability. While analytics offers powerful insights, financial intelligence requires more than just numbers—it takes the right blend of automation, strategy, and human expertise.

Management