Lance Roberts Discusses Why Unexpected Recessions Happen

2024-04-26

Potential tax changes looming! 📉 What could this mean for you? Find out more in this video. #taxes #financialplanning #changesahead

Join us as we delve into the imminent changes coming to the tax code. Understand what these adjustments mean for you and how they might impact your finances.

– Overview of the current tax code and its expiration.

– What happens if no changes are made to the tax code.

– Implications for personal tax brackets.

– Expected changes in tax percentages.

– Strategies to prepare for the upcoming tax code changes.

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2024-04-17

Market Recap, Jerome Powell on rate cuts and stickier inflation; commodities on the rise = inflation. The CRB Index correlation with W. Texas Crude; no rate cuts until Fall? Markets break the 50-DMA; might be time to trim and rebalance for risk. Jury Duty and the Reflation Trade; Easter + Spring Break impact on March retail sales were underwhelming, following similar disappointment with February & Valentine’s Day sales. How long can "buy-now, pay-later" last? How to screw up your retirement; the only way to wealth is by saving money; investing is for protecting wealth against inflation. The HODL Plan (hold on for dear life); avoid speculation. The demographic line of demarcation in saving for retirement; paying off credit cards, saving 30% of income; fully-fund 401-k.

3:08 – No Rate

2024-03-01

Social Security Viability: Let the Propaganda Begin
As discussions ensue about the best way to bring the Social Security system into actuarial balance, the raising of the maximum wage base is emerging as a popular solution.

Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor, Danny Ratliff, CFP
Produced by Brent Clanton, Executive Producer
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Articles mentioned in this report:
"Apple’s Magic- Are Buybacks Worth Paying Up For?"
https://realinvestmentadvice.com/apples-magic-are-buybacks-worth-paying-up-for/
"This Is Nuts – An Entire Market Chasing One Stock"
https://realinvestmentadvice.com/this-is-nuts-an-entire-market-chasing-one-stock/
"Small Cap Stocks May Be At Risk According To NFIB Data"

2024-02-16

The Fed is in no rush to lower rates, based on the latest economic data; we’ve gone from transitory to permatory inflation; rents are not going to fall, but rates are not going to go up. Fed Gov. Bostick: Rates are not going down until later, based on Labor data. Candid Coffee preview: The problem with Financial Infidelity; does it pay to delay taking Social Security? (It depends…) What’s the best claiming strategy? Rich & Danny critique AI-generated Candy Hearts; why RMD’s are going to be trickier; the benefits of delay; impact of Roth conversions. What happened to the stretch-IRA?

2:38 – No Rush for Fed to Lower Rates
14:01 – The Problem of Financial Infidelity; Does it Pay to Delay taking SS?
29:48 – AI-generated Candy Hearts; Why RMD’s are Going to be Trickier
43:58 – Best

2024-02-08

(2/8/24) Fair warning, fellas: Valentine’s Day is one week away. What do all the numbers and charts really mean about the economy? Financial Obligation Ratio’s look great for the upper 10%, but for the rest of the population, they’re pretty dire. The markets don’t care. Are we over-paying for equities? Market internals are very different from the headline data. The S&P almost hit 5,000, thanks to the EFT draft effect. Will "good" economic data thwart the Fed’s rate policy? Bonds feed on inflation and where the market thinks inflation is going to be. Are we looking for a reprisal of 1970’s style inflation? (Why now is not then.) Money Supply affects inflation, and inflation begets inflation. The Fed "gets it," but the government does not.

1:59 – Valentine’s PSA; What the Charts & Numbers

2023-12-04

(12/4/23) Welcome to the first full week of December trading; a review of Mrs. Roberts’ Birthday Weekend; market-wise, the stock buy back window is closing; expectations for a hawkish Fed statement next week; mutual fund distributions are coming; be cautious about being overly bullish. Rotations from the Magnificent Seven are beginning; the ‘Everything’ Rally went too far, too fast. We’re back where we were in July; losses were mitigated by the Magnificent Seven. Chasing last year’s leaders is not a good idea. As we wrap up 2023, we believe December will be more muted, barely positive. Recession talk has not abated, slower growth is expected, which is why the Fed had paused. Jerome Powell is not in as good a position as before, saying it is "premature to conclude when policy might ease."

2023-12-01

(12/1/23) The next James Bond movie should be called, "Convexity," starring Michael Lebowitz; looking at the Climate Summit: What’s on Bill Gates’ agenda? ESG is a farce; it’s all about big business; eating bugs and drinking beetle juice. How to execute Thematic Investing; what are the rules needed to manage? The Magazine of Wall Street: How times have changed. Financial Ghosts-past: learning from your mistakes. Calculating your personal debt-to-income ratio, and our recommendations; the wisdom of waiting; wants vs needs. Careful of using online tools to calculate debt ratios (know the source!) "Standard Rules" vs reality. Home affordability and the trend toward smaller houses. Money Scripts & the $5 test: The Ratliff Safe (TM)

2:53 – Convexity & Climate Summits
14:12 – Thematic