Abnormal Returns
NOVEMBER 15, 2022
Bonds Mortgage bond buyers are on strike. (wsj.com) After the sell-off, how attractive are muni bonds? (morningstar.com) Liquidity in the U.S. Treasury bond market has dried up. (ft.com) Strategy Rubin Miller, "Nothing about being a great investor requires imagination." (fortunesandfrictions.com) Ben Carlson, "You’re never going to get caught up in a Ponzi Scheme investing in a total stock market index fund.
Nerd's Eye View
NOVEMBER 15, 2022
Welcome back to the 307th episode of the Financial Advisor Success Podcast ! My guest on today's podcast is Stacey Hyde. Stacey is the President of Envision Financial Planning, an independent RIA based in Memphis, Tennessee, that oversees nearly $200 million in assets under management for 206 client households. What's unique about Stacey, though, is how, to gain more flexibility and independence for her firm, she and her partner decided to drop their FINRA licenses and launch their own RIA…
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Mish Talk
NOVEMBER 15, 2022
Producer Price Index from BLS, chart by Mish. Please consider the BLS Producer Price Index report for October 2022. PPI Key Month-Over-Month Details The Producer Price Index for final demand increased 0.2 percent in October, seasonally adjusted. Final demand prices rose 0.2 percent in September and were unchanged in August. In October, the rise in the index for final demand can be attributed to a 0.6-percent advance in prices for final demand goods.
Pragmatic Capitalism
NOVEMBER 15, 2022
I’ve had three big investing epiphanys in my investing career. The first big epiphany was that macro matters much more than micro.
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Technology is rapidly changing the way accountants perform and manage month-end activities. Spreadsheets, email, and shared drives no longer have to slow us down. Join us as we present a "sneak peek" recorded demo of SkyStem's month-end close solution – ART. In under four weeks, your team can start reaping the benefits of month-end close automation by vastly reducing spreadsheets, cut down on reconciliation work, speed up the month-end close, and better manage your remote team.
Abnormal Returns
NOVEMBER 15, 2022
Research Trend following loves extreme levels of macro uncertainty. (mrzepczynski.blogspot.com) How to create your own CTA-style strategy. (insights.finominal.com) An examination of contrarian fund managers. (papers.ssrn.com) How hedge funds use ETF options to express views. (papers.ssrn.com) What allocators need to know about AI. (institutionalinvestor.com) PE managers cater to investors, often to their detriment.
Financial Advisor Source brings together the best content for financial advisor professionals from the widest variety of industry thought leaders.
A Wealth of Common Sense
NOVEMBER 15, 2022
Boring is better this year in the markets. The more exciting your portfolio, the worse your performance is in this bear market. Those old stodgy blue chip stocks in the Dow that pay dividends and have stable cash flows are crushing the innovation-led stocks that have more potential than profits in 2022. This is in stark contrast to the FOMO days of 2020 and 2021 when it felt like the only place to put your money was the.
Calculated Risk
NOVEMBER 15, 2022
From the NY Fed: Total Household Debt Reaches $16.51 trillion in Q3 2022; Mortgage and Auto Loan Originations Decline The Federal Reserve Bank of New York's Center for Microeconomic Data today issued its Quarterly Report on Household Debt and Credit. The Report shows an increase in total household debt in the third quarter of 2022, increasing by $351 billion (2.2%) to $16.51 trillion.
The Irrelevant Investor
NOVEMBER 15, 2022
Today’s Animal Spirits is brought to you by AcreTrader and Composer: See here for more information on AcreTrader and here for AcreTrader disclosures See here for more information on Composers’ new one-click portfolio and here for Composer disclosures On today’s show we discuss: FTX Held less than $1B in liquid assets against $9B in liabilities FTX’s balance sheet was bad FTX balance sheet, reveale.
Investment Writing
NOVEMBER 15, 2022
Here are some of the books that I enjoyed reading during 2022. Writing. Actually, the Comma Goes Here by Lucy Cripps. The Plain English Approach to Business Writing by Edward P. Bailey—This book offers sound suggestions for good writing. By the way, if you want to improve your financial writing, check out my book, Financial Blogging: How to Write Powerful Posts That Attract Clients.
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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.
Wealth Management
NOVEMBER 15, 2022
Institutional investors advised by the bank formed a joint venture with Haven Realty Capital to buy and develop entire communities of new homes, according to a statement Tuesday. The partners are seeding the venture with three communities in the Atlanta area, and will eventually deploy $415 million in equity.
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. According to the 2021 Nationwide Long-term Care Study, as a result of the pandemic, 88% of adults feel it is more important than ever to have a long-term care plan in place.
Wealth Management
NOVEMBER 15, 2022
The record amount of civil penalties was driven in part by the fines against some large Wall Street firms for failing to preserve text message communications on personal devices.
Calculated Risk
NOVEMBER 15, 2022
From CoreLogic: Annual Single-Family Rent Growth Decelerates for Fifth Consecutive Month and Seasonal Patterns Return Consistent evidence of a single-family rental market cooldown follows nearly two years of above-trend rental price hikes. Single-family rent growth in September 2022 slowed for the fifth consecutive month to 10.2% from a high of 13.9% in April 2022.
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.
Advisor Perspectives
NOVEMBER 15, 2022
The succession plans that come off with the fewest disruptions are those that are implemented over an extended period, especially when the successors are not family members.
Integrity Financial Planning
NOVEMBER 15, 2022
You’ve probably had a daily routine for most of your life – from tying your tie and greeting your coworkers to loosening that tie when you get home. When thinking about retirement, not only does your daily routine change but your financial routine does too. In your working years, you made sure to have a savings and wealth accumulation plan. Your retirement goals were focused on building wealth, but now, your goal is to spend it efficiently.
NAIFA Advisor Today
NOVEMBER 15, 2022
You probably are well aware that the inflation rate in the U.S. has been hitting fresh 40-year records lately. But did you know divorce rates in the U.S. for older couples have been reaching new highs lately, too? In fact, for couples in the U.S. who are 65 and older, the divorce rate has tripled since the 1990s. The trend is called “Silver Divorce” or “Grey Divorce.”.
Wealth Management
NOVEMBER 15, 2022
The proptech industry is not planning layoffs at this point, according to Commercial Observer. The Financial Brand looks at Chase’s new digital management platform for multifamily landlords. These are among today’s must reads from around the commercial real estate industry.
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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.
Advisor Perspectives
NOVEMBER 15, 2022
How will you leverage networking’s holiday season grand finale without being perceived as the friend who is desperate for business?
Wealth Management
NOVEMBER 15, 2022
Much like the larger capital providers, lenders in the $2M to $20M financing space have become more cautious in how they underwrite deals.
David Nelson
NOVEMBER 15, 2022
David joins TD Ameritrade Network Nicole Petallides to discuss Amazon’s announcement of a 10,000 reduction in headcount.
Wealth Management
NOVEMBER 15, 2022
Flourish Financial's Ben Cruikshank discusses how advisors should get a solid understanding of crypto in order to fully give clients holistic advice.
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Did you know automating your month-end close can save up to 40% of the time typically spent on manual reconciliations? CFOs and controllers are leveraging SkyStem's workflow management and reconciliation tool to eliminate costly mistakes, ditch manual reconciliations and close faster. Want to know how they do it? Download our Quick Start Guide to a Crystal Clear Close!
Calculated Risk
NOVEMBER 15, 2022
Earlier this year I wrote: Housing: Don't Compare the Current Housing Boom to the Bubble and Bust. I argued the 1978 to 1982 period was a more similar period for housing. One of the graphs I presented was of year-over-year inflation. Click on graph for larger image. This graph shows the year-over-year change in inflation since 1959. The black arrows point to the pickup in 1979 and in 2021.
Wealth Management
NOVEMBER 15, 2022
Their fortunes plummeting, crypto titans from Changpeng Zhao to the Winklevoss twins are eager to differentiate their businesses from the now-bankrupt exchange.
eMoney Advisor
NOVEMBER 15, 2022
For investors, volatile markets often highlight an unfortunate quirk of the human brain: We fixate on the negative. Our tendency to give more attention to what’s gone wrong than what’s going right is what behavioral economists call negativity bias. The good news? Negativity bias can be overcome. And appropriately enough as we head into Thanksgiving, it starts with thinking about what we’re thankful for.
Wealth Management
NOVEMBER 15, 2022
The lift-out of its wealth management business is only the beginning of Choreo’s relationship with the national CPA practice, say firm leaders.
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Creating a winning digital lending experience requires plenty of focus on the needs of customers and more. Biz2X Chief Product Officer Aaron Traub covers everything from how to create such an experience, areas to hone in on, pitfalls to avoid, and plenty more in this insightful article. Discover how to utilize new technology without alienating existing customers, what to emphasize when working on your platform, and how to utilize the data at your disposal while not becoming overly reliant on it.
Million Dollar Round Table (MDRT)
NOVEMBER 15, 2022
By Bryce Sanders Connecting with clients is less about asking them to buy something and more about them wanting to buy something. This means you’ll want to be top of mind when their bonus comes in or their accountant suggests doing something with their finances. In other words, use a light touch, and the holidays provide an opportunity to do so. Send holiday cards.
Wealth Management
NOVEMBER 15, 2022
The marketing technology firm first announced the service at the 2021 AdviceTech.LIVE virtual conference.
Advisor Perspectives
NOVEMBER 15, 2022
The Consumer Price Index for Urban Consumers (CPI-U) released for October puts the year-over-year inflation rate at 7.75%. It is well above the 3.76% average since the end of the Second World War and above its 10-year moving average, now at 2.4%.
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