Category Archive: 9a.) Real Investment Advice

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Raising Money Smart Kids

2023-02-24

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Here is an encore presentation of the February 23, 2023 Lunch & Learn on Raising Money Smart Kids, with RIA Advisors Director of Financial Planning, Richard Rosso, CFP, with Senior Advisor, Danny Ratliff, CFP. ------- 0:00 - Intro/Disclaimer 1:25 - Grandparents' opportunities for generational influence of grandkids 2:12 - What is a Money Script? 5:33 - Know Yourself 7:44 - Money Avoidance/Money Worship 13:48 - Money Focus 18:54 - Money...

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Tax Tips for 2022 You Can Still Use

2023-02-24

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (2/24/23) It's "Go Texas Day," with boot-buying tips for the uninitiated; The Fed's target rate has risen to north of 5%: Be prepared to "call an audible." The good news about higher interest rates: Better yields on bonds. Tax Tips for 2022 you can still use now: deductible IRA contributions, self-employment Roth; prepare...

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The “No Landing” Scenario is a No-go

2023-02-23

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (2/23/23) Markets are receiving a cluster of support; not all tech companies are alike: NVIDIA vs Intel; it is critical for markets to hold support at current levels; the Fed continuing, aggressive rate hikes have yet to affect markets: Impact on futures vs the lag effect; 475-bp increases have yet ot be felt. Don't ignore Chicago Fed...

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The Problem with Economic Data

2023-02-22

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (2/22/23) The long-awaited market correction has arrived, begging the question of whether markets can firm-up and hold levels here. Look at correction as an opportunity for portfolio rebalancing; St. Louis Fed Pres. James Bullard says interest rates need to exceed 5% to battle inflation; markets have rallied on the notion earnings have...

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Is Sticky Inflation Entrenched in Economy?

2023-02-21

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (2/21/23) Is a recession in the works with the Fed still intent on raising rates? Our word of the day is "Recessionista;" what is the Fed going to break? M2 Money Supply as a % of GDP indicates liquidity still flowing through the economy, but declining. The Roberts' Family Saga: Dead Rabbit. No landing scenario, no recession,...

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Overly Complicated Portfolios & The Scam of the Century

2023-02-17

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (2/15/23) Lance's Rant #1 on making portfolios overly-complicated, and diversification mistakes. Lance's Rant #2 on the true nature of Stock Buybacks and the total scam of Carbon Credits. Poor people don't care about climate change; they can't afford carbon credits anyway; Climate Works' carbon "scrubber" vs trees. [NOTE Today's...

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Should Markets Price-in a Half-point Hike?

2023-02-17

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (2/17/23) Will markets lose the ongoing rally? Inflation remains sticky; job mobility and dynamics; what happened to Goldman's employee coffee service? Measuring economic performance: The Buffett Underwear Indicator; insufficient retirement savings vs the retirement clock: How to play catch-up. Market/economic date preview: Retail sales...

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Buyers Continue to Move Into Markets

2023-02-16

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DESCRIPTION: HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (2/16/23) Buyers are consistently moving into the markets, and there are two ways this can go: Trade sideways, or price declines. The Citibank Surprise Index indicates optimism may weaken; that anticipated recession is not being picked up in economic data...yet. Markets remain in rising trendline; a corrective process is needed....

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No End to Fed Rate Hikes in Sight

2023-02-15

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (2/15/23) [NOTE Today's show was recorded-live prior to this morning's release of January Retail Sales report showing a hotter-than-expected 3% increase for January.] Big inflation news in January CPI Report, with Shelter increasing 8%; there are no signals that the Fed will be halting its interest rate increase campaign anytime soon....

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Inflation Day (2/14/23): Technical Market Analysis & Commentary from RIA Advisors Chief Investmen…

2023-02-14

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#Markets #Money #Investment_Advice

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How to Avoid Financial Infidelity (2/11/23)

2023-02-13

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Here is an encore presentation of the February 11, 2023 Candid Coffee on How to Avoid Financial Infidelity with RIA Advisors Director of Financial Planning, Richard Rosso, CFP, with Senior Advisor, Danny Ratliff, CFP: 0:00 -Intro 1:20 - What is Financial Infidelity? 5:58 - Money Wise Kids 7:02 - How to Avoid Financial Infidelity 8:38 - It's Never Too Late 9:13 - Setting Boundaries 15:22 - Practicing Financial Nudity 20:21 - Money Wise...

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What to Do if You Bet Against the Chiefs

2023-02-13

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (2/13/23) Aliens are landing, apparently, and markets are improving, despite what we may thing; the magnet for the market is the 50-DMA. As earnings season begins to wrap, the next CPI Report looms: January Credit Card use is higher; the three measures of inflation. Super Bowl anthems; Investor Convictions on thesis of market recession and...

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What Will Your First Day of Retirement Look Like?

2023-02-10

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (2/10/23) Markets are stuck in the muck; the wage-price spiral Jerome Powell is afraid of; the labor force participation rate is serious; Don't Fight the Fed. Planning for pet expenses; pet insurance; the ugly truth behind cash sweeps: Your Money Market Fund may be cheating you! Your First Day of Retirement: importance of staying busy;...

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Where Will Fed Rate Hikes Be Worst Felt?

2023-02-09

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (2/9/23) Google's AI debut was marred by a fact-checking gaffe, and Alphabet stock plunged 8%; the CNN Fear & Greed Index is overwhelmingly greedy; the conundrum of technical bullishness vs fundamental bearishness; parsing Powell's pontifications vs competing market narratives; the ugly truth behind the January Jobs report: No new...

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Timing the Markets and Getting Back to Even

2023-02-08

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (2/8/23) Whose comments yesterday were more impactful for you: Joe Biden's SOTU address or Jerome Powell's post-Fed clarification speech? Markets loved the latter, and on a weekly basis, the bullish trend continues as economic data becomes "less bad." Fair warning, fellas, that Valentine's Day is approaching; prepare accordingly....

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Subscribe to our Before the Bell Channel!

2023-02-07

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw

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So Far No Signs of Pending Crash

2023-02-07

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HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw (2/6/23) President Joe Biden delivers his second State of the Union Address: Will he touch on Inflation (and whose responsibility is that)? Will Fed Chairman Jerome Powell correct misperceptions about his comments on Monetary Conditions? What are possible market outcomes? So far, no signs of imminent crash. Market Technicals will give...

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Will Low Unemployment Cancel the Fed’s Pause?

2023-02-06

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(2/6/23) The current market is not unlike that ill-fated Chinese balloon shot out of US skies over the weekend: Markets are over-inflated with insufficient technical "lift" (January Jobs report) to sustain current prices. The problem with last month's "promising" numbers is that they're subject to massive revisions. Low employment means the Fed is nowhere near a pause, much less a pivot, and markets are now predicting two...

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The Rothification of Retirement Savings

2023-02-04

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(2/3/23) Markets have returned in one month what they lost in 2022: If you think markets will continue to return 9%/mo. this year, you're delusional; dreams of a soft-landing: Factual or fantasy? Is AARK the New NASDAQ? Dealing with sticky inflation at 4.5 - 5%; should the Fed's realistic inflation target be 3%? We're not missing out with our barbell strategy. What would Cathie Wood do? The froth in Roth's, and the "Rothification" of...

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How to Invest in a Goldilocks Economy

2023-02-02

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(2/2/23) Fed Chair Jerome Powell is more concerned about "disinflation" than financial conditions, as evidenced by the Fed's quarter-point rate increase, and shift in stance on inflation; subsequent market upside may be limited to 100-points. Disinflation vs Deflation. Ground Hog Day again, and again, and again...Fed Meeting recap: The Fed got it wrong about "transitory," and doesn't want to be wrong again. Three choices for the...

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