Category Archive: 9a.) Real Investment Advice

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Will Taxpayers Bear the Brunt of Federal Bank Bailouts?

2023-03-15

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(3/15/23) "There is not enough money in FDIC to cover bank bailouts. There's not even enough money to cover all of Silicon Valley Bank. If we go bank to a 2008 situation, where you've got bank after bank after bank failing, there is not enough moeny to cover those. In the Pension Benefit Guanraty Corporation, there is not enough money in that to cover all the pensions. There's just not enough money. So ultimatey, at the end of the day, this is...

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There Is Not Enough Money in the FDIC to Cover Everyone.

2023-03-15

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (3/15/23) Despite Tuesday's CPI print of 6%, core inflation remains very high and very sticky. The realities of CPI and the fallout from SVB Failure are the context for The Great Debate: Will the Fed Hike or Pause? Was SVB an Event or a prelude to more trouble? Expectation for Tuesday's rally to be erased today; will bears take charge again?...

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Why SVB Failure is Not Likely a One-off Event (3/23/23)

2023-03-14

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(3/23/23) Markets have priced-in a massive Fed pivot; why SVB is likely not a one-off event, as previous rate hikes being to impact economy; banks will make loan requirements more stringent, effectively tightening credit; banks will be forced to clean up their balance sheets. Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer -------- Watch...

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Don’t Panic; Banks are Recovering | Lance Roberts #Shorts

2023-03-14

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(3/14/23) "Reduce some risk; reduce your financial exposure for right now, and then once we get through this problem in the markets over the next few days, we can look to where we can rebalance risk, and to do we do that. But right now, it looks like money is starting to flow, not only into Bonds, which had one of the biggest moves since 1987 yesterday, but also into Technology and growth stocks, which have less exposure to interest rate...

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Day-Two of Bank Bailout Week

2023-03-14

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (3/14/23) It's Day-Two of Bank Bailout Week, with still-inflationary CPI numbers adding to the mix of woes and worries for the Federal Reserve. The failure of Signature Bank and SVB underscore what happens when regulations are defanged, and Rule 157 is repealed, allowing fuzzy math to prevail. Are banks really too big to fail? The irony of...

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Silicon Valley Bank Failure: What Happens Next | Lance Roberts #Shorts

2023-03-13

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(3/13/23) I think what you're going to see (as a result of the SVB failure) isd a shift out of Financials into Technolgy, and the reason for that will be simply looking for companies that aren't in the Financial Sector that have the ability to grow earnings. Value has been under pressure, lately; may see some rotation to Value. One of the reasons we've been adamant about long-duration bonds, saying that, as the Fed hikes rates, they're going to...

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Did the Fed Finally Break Something?

2023-03-13

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (3/13/23) The Fed raised rates until something broke: SVB/Silicon Valley Bank is taken into receivership over the weekend, a victim of poor management and weakened banking regulations allowing fractional reserve banking; why this is not technical a bank bailout; a brief history of Dodd-Frank regulation. SVB failure is a collusion of bad...

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How to Avoid Financial Exploitation (3/24/23)

2023-03-10

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(3/24/23)The problem of out-living your money. The emerging trend of single retirees; the wage gap for never-married women; how to avoid financial exploitation of your nest egg. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP w Senior Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer -------- Watch the full show from which this segment was excerpted on our YouTube channel:...

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Should You Wait Until 70 to Retire?

2023-03-10

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (3/10/23) The US Economy added 311k more job in February, and the Unemployment rate rose to 3.6%, despite a resilient economy despite inflation and high interest rates. Are we falling into the abyss? What's the difference between a "hard" and "soft" landing? Legislation being proposed would raise the minimum retirement...

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Has the Fed Run Out of Room?

2023-03-09

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (3/9/23) Market response to two days of Jerome Powell's testimony promising more rate hikes: Ral on. Bulls held the line at the 200DMA; Fear sells, but markets aren't signaling that, retaining a bullish bias. How we communicate now: Most text-message; The Fed is driving blind, reing on backwards-looking data. At what point will higher rates...

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Workers’ Benefits of the Future (3/21/23)

2023-03-08

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What will Workforce Benefits of the future look like? Sabbaticals for travel & Day care for parents: What about the cost? 8 workers required to generate $1-mil in revenue in 1985; now down to 2 workers in 2022. Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO Produced by Brent Clanton, Executive Producer -------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real...

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Rethinking Retirement Savings (3/22/23)

2023-03-08

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The Secure Act 2.0 and re-thinking retirement; too many Americans cannot afford to save; mandatory savings to start at 3%; no more "set-it-and-forget-it." Rule of thumb: Save 30% of income; if you can't you have a spending problem, not a savings problem; the financial responsibility of Boomers. Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive...

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What Will Jerome Powell Break Next?

2023-03-08

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (3/8/23) Jerome Powell testifies as expected to the Senate Banking Committee, promising more rate hikes for as long as it takes to quell inflation. There is now a 70% chance of a .5% rate hike this month; terminal rate is now anticipated to reach 5.6%. The on way to bring down inflation is to create a recession. Recap of Money Smart Kids...

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The Ugly Truth About Poverty (3/20/23)

2023-03-07

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The end of pandemic assistance; why there will always be an impoverished segment of the population; why we have more people in poverty now than before pandemic: The inflationary effects; the flaw of UBI (Universal Basic Income) exposed. Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO Produced by Brent Clanton, Executive Producer -------- Watch the show from which this segment was excerpted on our YouTube channel:...

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Waiting for the Gadot Recession

2023-03-07

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (3/7/23) Markets' first test of resistance in anticipation of hawkish congressional testimony from Fed Chairman Jerome Powell; why has there been a rally in Materials and Industrials? The effect of the Inflation Reduction Act piping money into infrastructure projects; Recession is still coming, sooner or later; probably later. Market drivers...

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What will Workforce Benefits of the Future Look Like?

2023-03-06

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (3/6/23) The Month of March marks the end of the Quarter, and markets will be affected by a certain amount of quarterly window dressing, this month's FOMC meeting, Friday's employment report, and the latest CPI. It's okay to be bullish with a cautionary caveat. Recession or no recession? A very different economy today, based on services...

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How to Increase Your Social Security Check Up to 25%

2023-03-03

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (3/3/23) The entrenchment of higher prices: Airline prices are out of control. How much of it will stick, and what will the Fed to do next; are they behind the curve? The new benchmark for higher prices: How long will it take for inflation to cool? Maximizing your Social Security check means delaying retirement until age 70. The avoidance of...

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Will the Fed Hike 50bp?

2023-03-02

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (3/2/23) Investors should be on alert today following yesterday's program-trading driven markets; breaking through support at the 200-DMA could spur accelerated selling by the bots. When to act? Avoid knee-jerk response, and look for the selling stampede to conclude. Hopes for a Fed pause or pivot are running into reality. The foibles of...

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Where Did the Stimulus Go?

2023-03-01

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (3/1/23) Margins are narrowing between Bull & Bear markets, as the battle between Valuations and Fundamentals continues; why the Fundamentals will eventual win. We're still in a corrective market in which Valuations have not adjusted. A brief History of Housing, and reasonable expectations for home buying; the Math of Home Ownership and...

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“Fixing” Social Security is Political Suicide

2023-02-28

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (2/28/23) Monday's markets closed positive, but barely; consumer confidence is low but improving. The difference between stocks & bonds and yields: Stocks do not pay yields. Analysts still expect current markets to be in a trough, but the Fed is still hiking rates, and previous 4.75bp have yet to hit markets or earnings. Making the case...

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