Big Bust for Small Investors (5/24/23): Market Analysis & Personal Finance commentary from RIA Ad…

2023-03-31

(3/31/23) April Fools’ realities and cartoon disclaimers: the stupidity risk in the banking sector when the government backstops everything: the markets have essentially been socialized. How long before the Fed pivot; inflation is here to stay. There’s a difference between retirement care and long term care; retirees are getting younger: 55 is the new 40. American preparedness for retirement is bleak; more than half are under-prepared. How we got Candid Coffee (thanks, pandemic).Living to 100 calculator; in the future, your financial advisors will become your life coach. Vegas & Baretta TV shows; cursing cockatoo’s; pending adjustments to Social Security earnings thresholds; Senior Citizens’ League & the Great Un-Retirement.
3:09 – The Stupidity Risk in Banking Sector
14:29 – April

2023-03-27

(3/27/23) "Teaching our kids to have delayed-gratification is what will separate them from everyone else in that Millennial generation. This whole idea of, ‘I can buy now and pay later,’ it sounds great, right? You can hav it today. But paying for it later is the hard part because of the interest payments. This is the debt trap that we’ve gotten an entire generation deeply into that is going to plague them for the rest of their lives. And this idea of ‘wealth inequality’ is only going to [be exacerbated] over the years, as younger generations take on more and more debt to live well above their means. But we can change that for them. We have to start educating our kids about delayed gratification andn the evils of debt. And fi we do those things, we will build a healthier, more prosperous

2023-03-22

(3/22/23) "We have one of The Most Inverted Yield Curves on record, and people are going, ‘Yeah, I know it’s inverted, but we’re not going to have a recession this time.’ We have never been this inverted without a recession, period, end of story. Now, could this time be different? Possib. But, I think it’s interesting, Mike, that despite all these rate hikes, the 10-year Treasury, as an example, because that’s all that’s on CNBC dai, we look at that rate…it’s been stuck around 3.9 to 4%, maybe a little above 4.1 %. It’s not been rising even though the Fed is continuing to hike rates on the short end. This is because the Bond Market is starting to price-in a much slower economic environment in the months and years ahead."
Hosted by RIA Advisors Chief Investment Strategist Lance

2023-03-21

(3/21/23) "So, it’s an interesting conundum…flows of money [and] where they’re heading to. And, look, there’s a simple formula that drives economics, that drives markets, it drives just about everything in life, and that is always supp and demand. Why do we have inflation? Well, too much demand for too little supp: We shut down the economy, we gave people a bunch of money; we said, guess what, you can’t work, you gotta stay home; and no one could produce anything so there was no supp. So whatever supp that was available became very valuable. Mike over here wants to buy my widget. Mike’s going to give me five dollars, and I’ve got fifteen other people willing to pay me more. Economics is basical an auction, at a point, and when you have too much demand for too little supp, the highest

2023-03-16

HAVE YOU SUBSCRIBED TO "Before the Bell?" https://www.youtube.com/channel/UCFmyKJKseEMQp1d14AjvMUw
(3/16/23) "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 all going to wind up on taxpayers, because if we get into a situation where a lot of bailouts have to be done, it is going to have to be funded through government debt."

Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO
Produced

2023-01-11

(1/16/23) What was the McCarthy Speakership really all about? Are we seeing a reversion to pre-Obamamian rules in Congress: No more omnibus bills, and no more stimmie checks, either. Why there’s a viable risk for lower earnings this year. The new Congress is considering de-funding all those additional IRS Agents; meanwhile, the IRS is helping cope with Inflation by raising the standard deduction: Do you know your effective tax rate? Who really pays taxes…and who doesn’t? Why the US has the highest rate of wealth redistribution.
0:18 – The Fiscal Pig in the Economic Python
4:10 – The Real Issue Behind the McCarthy House Speakership
12:19 – How IRS is Helping Cope w Inflation
Hosted by RIA Advisors’ Chief Investment Strategist Lance Roberts, CIO, w Senior Advisor Danny Ratliff, CFP

2022-12-17

(12/16/22) The origins of Elf on a Shelf; How American’s really feel about the economy, and why we’re spending less this Christmas; tougher times are coming in 2023. Picking Priorities and Pet Financing; No, no, no, Janet Yellen! It’s the government’s fault. Austerity be damned. Opportunities for Fixed Income in 2023.

2022-12-13

(12/27/22) Sam Bankman-Fried arrested in Bahamas; the saga of FTX & future of crypto. Possible sentencing for SBF; who will be the next FTX to fail? Real people lost real money, and it was all they had. A review of SEC charges against SBF; civil liability + Federal criminal liability; a brief history of the SEC and regulation likely to come.

0:00 -The Saga of Sam Brinkman-Fried & FTX
SEG-4: SEC vs SBF & FTX & History of SEC Regulation
Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO
Produced by Brent Clanton, Executive Producer
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