Podcasts about inflationthe

Welcome to Monday Night Live! On this week's episode of Monday Night Live, hosted by renowned negotiation expert Derek Arden, we had the pleasure of welcoming back financial commentator Justin Urquhart-Stewart. As an expert with a wealth of experience, including his role as a co-founder of Seven Investment Management, Justin provided valuable insights into the current state of the global economy, the UK, the US, and the challenges Europe faces. Derek kicked off the session by mentioning their longstanding friendship and professional history. The conversation quickly delved into the significant financial and political issues impacting global markets. From the ongoing conflict in Ukraine and tensions with China to the recovery from the pandemic and the banking crisis, Justin offered a well-rounded perspective on how these challenges are shaping both global and domestic economies. The Global Economic Landscape: Key IssuesJustin highlighted the combination of troubling global factors, such as the war in Ukraine, ongoing issues with China, and the aftermath of the COVID-19 pandemic. Although the news might seem grim, Justin reminded viewers that markets are always in a state of flux, and this is nothing new. He emphasized the importance of staying calm and understanding the broader context rather than reacting emotionally to market shifts. UK Economy and Debt: The Impact of InflationThe conversation then turned to the UK, where Justin explained the economic pressures caused by inflation, rising interest rates, and public sector debt. He explained how inflation, although on a gradual downward trend, has significantly impacted the cost of goods and delivery delays, straining the economy. Justin provided detailed insights into the UK's rising public debt, which now exceeds £100 billion, double what it was in previous years. He also explained how the government adjusts its borrowing strategies to finance infrastructure projects and pay off rising debts. Despite the concerning figures, Justin noted that the UK economy is resilient and capable of managing these challenges over time. Europe: Fragmentation and Bureaucratic HurdlesShifting focus to Europe, Justin discussed the challenges facing the European Union, including political fragmentation and economic divergence among member states. He highlighted the differing responses of countries like Austria and Hungary toward Russia, creating a complex landscape for investors. The bureaucratic nature of the EU, according to Justin, makes it difficult to create cohesive policies, and this division could lead to further economic strain. US and Tech Markets: Cautious OptimismWhen discussing the US, Justin was more optimistic. He noted that the American economy has performed better than expected, especially in tech sectors. While there have been some concerns about inflation and the Federal Reserve's rate hikes, Justin reassured viewers that the US remains a key player in global markets. He advised caution, particularly when investing in individual stocks, and recommended focusing on long-term strategies rather than betting on high-risk ventures. The Far East: Growth OpportunitiesTurning to the Far East, Justin emphasized that this region still holds significant growth potential, particularly as China continues to wield influence across Asia. Despite tensions in the South China Sea and concerns over Taiwan, Justin pointed out that economies in Southeast Asia, like Vietnam, are benefiting from China's investments, but they must remain cautious of debt traps. Middle East and Geopolitical RisksToward the end of the conversation, the discussion moved to the Middle East, with a particular focus on the ongoing conflict in Gaza and the broader instability in the region. Justin shared concerns about how these tensions might escalate, particularly regarding Iran's role in the region. While these geopolitical risks are concerning, Justin expressed cautious hope for a more stab...

Inflation is no longer the primary concern for investors, as market dynamics begin to shift and new opportunities arise.How do recent inflation trends impact market behavior? What are the implications of the recent rally in small caps, and how do geopolitical events influence market reactions?In this episode, Ryan Detrick, Chief Market Strategist at Carson Group & Sonu Varghese, VP, Global Macro Strategist at Carson Group, dive into recent market dynamics, focusing on how the rally in small caps and improving inflation data indicate fresh opportunities in the investment landscape. Listen as they discuss the implications of these movements, including the enhanced breadth in the stock market and the potential for a dovish shift from the Fed. Ryan and Sonu discuss: The recent incident involving Donald Trump and the market reactionThe recent CPI data and the surprising improvements in inflationThe extraordinary performance of small and midcap stocksWhat a rotational bull market means for different sectorsThe ongoing strength of the consumer backed by robust retail salesAnd more!Resources:Any questions about the show? Send it to us! We'd love to hear from you! factsvsfeelings@carsongroup.com Connect with Ryan Detrick: LinkedIn: Ryan DetrickX: Ryan DetrickConnect with Sonu Varghese: LinkedIn: Sonu VargheseX: Sonu Varghese

Whether you're looking for a new mortgage, contemplating your investment strategy, or simply trying to make sense of the economy, join us for a conversation with Avery Shenfeld, Managing Director and Chief Economist at CIBC Capital Markets, to shed light on the recent interest rate cut, its expected impact on the Canadian economy, and what this means for consumers.Here are three reasons why you should listen to this episode:Find out what the recent interest rate cuts may mean for inflation and the Canadian economy.Learn how inflation and interest rates may impact Canadian consumers.Gain valuable insight into what economic changes Canadians can expect for the year ahead and into 2025.ResourcesVisit CIBC for more smart adviceVisit CIBC Capital Markets Insights Hub to access timely economic insights   Episode Highlights[02:50] Tackling Changing Interest Rates After continuous interest rate hikes, interest rates were reduced from 5% to 4.75%.  However, this rate cut won't have any significant impact on the economy immediately.The future decisions of the Bank of Canada will be key in achieving economic relief. Further rate cuts are necessary to reach an interest rate of around 3%.[03:24] Avery: "It's not the first move that will matter, but it's really the follow-up from the Bank of Canada. We've got to get that short-term interest rate down to something like three percent or two and three-quarters."Historically, Canada and the US differ in economic performance and interest rates. These reflect the differing needs of the two economies and the varying interest rates.While Canada's initial rate cuts may weaken the Canadian dollar, there is no significant impact on the trade and consumer price index. [06:30] The Current Consumer Price Index and Impact of InflationThe majority of inflation from the past year was a result of global production issues from the COVID-19 pandemic. As goods became more available, prices started to increase.Shelter is the critical component of the Consumer Price Index (CPI). Rent inflation which has greatly increased may ease by 2025 due to revisions in government policies.Another aspect of the shelter component is mortgage interest costs. Cutting interest rates can lead to the reduction of the inflation of mortgage interest costs. By the end of 2025, Avery shares that “variable or short term mortgages will see substantial savings that will show up in that part of the inflation basket.”[09:47] The Future of the Canadian and Global Economy Avery states that the growth of the Canadian economy and the overall global economy is still sluggish.[10:34] Avery: "The overall temperature of the global economy is not likely to be that vigorous in the balance of this year, where our hopes lie is really for 2025, after a sequence of interest rate cuts, not just in Canada, but in Europe, and eventually in the US as well."Global growth and domestic demand improvement due to interest rate cuts can lead to a better year for the Canadian economy by 2025.In response to the higher interest rates, Canadians focus on saving an increasing position of their after-tax income and being more cautious about saving.The Bank of Canada's goal was to encourage saving to slow consumer spending growth. This will contribute to the hopeful growth of the economy in 2025.With lower interest rates, people have more to spend. The biggest economic changes will impact the real estate market with increasing housing turnover and more spending.[15:00] Investment Outlook for the Second Half of 2024The equity market has been doing well in the past years. However, equities are fully valued for the coming interest rate cuts and Avery advises caution for these assets.On the other hand, there is room for bond yields to decrease and result in better returns on fixed-income investments.Avery states that we're now in a period of the usual backstop. The bond market can provide a good return and shelter for the slowing of the equity market.A traditional balanced portfolio offers shelter from the volatile market as interest rate cuts continue. The expected economic recovery in 2025 should mean well for the stock market.[17:16] What Canadians Need to Know About the EconomyLooking at the big picture, the overnight interest rate is expected to go down to around 3%. Avery predicts that it will go lower than it is today, especially by the end of 2025.Inflation is a big concern for Canadians. However, wage increases are also increasing. The purchasing power of the average wage has been recovering despite inflation.On the other hand, Canada's economic performance needs further improvement. Productivity has been lacking in the past years and it's important to encourage businesses to invest and expand in Canada. [19:31] Avery: "Canada's economic performance, it really hasn't been great, particularly on a per capita basis. And I think we need to see an improvement in output per hour or productivity that we have been seriously lacking over the last year or two." About AveryAvery Shenfeld is the Managing Director and Chief Economist at CIBC Capital Markets. With a distinguished career spanning over two decades, Avery is a highly respected figure in the field of economics. He regularly provides expert analysis on economic changes, trends, and policies, offering valuable insights to both the media and CIBC clients. Avery's expertise covers a wide range of economic issues, including monetary policy, inflation, and market dynamics. He is a trusted voice in understanding and navigating the complexities of the Canadian economy.Learn more about Avery and his work on the CIBC website.Enjoyed this Episode?If you did, be sure to subscribe and share it with your friends!Post a review and share it! If you enjoyed tuning in, leave us a review. You can also send this with your friends and family and share valuable insights into future economic trends in the Canadian economy. Get a future look into economic changes in both Canada and the world for 2024 and beyondHave any questions? You can connect with me on LinkedIn or through CIBC's Facebook, Twitter, or Instagram.Thanks for tuning in! For more updates, visit our  website. You can also listen to more amazing episodes on Spotify or Apple Podcasts.

#149Do you invest in stocks and shares? Do you invest in property? Maybe you invest in both? If you take two suitcases to the check in counter at the airport, one marked property and one stocks and shares and they tell you that you can only put one on the plane, which one do you choose? Have you ever wondered, like I have why people choose stocks and shares over property? In this episode, Grant Williams, a leading financial content producer and a man with more than 35 years' experience of global finance  discusses:The complexity and management of owning physical propertiesThe responsibility and understanding of investments in stocks, shares, and propertyThe potential shift from stock market to small business investmentThe danger of expecting historical property trends to continue  in light of inflation, interest rates, and asset valuationsThe  benefits of property as an investment during times of inflationThe significance of understanding risk tolerance and managing emotions in investingWe typically work with time poor professionals get a good return on their money by investing with us. To schedule a call to discussLeave an honest review of Expat Property StoryJoin our Mailing List to join our WhatsApp  group AND access our 37 Question Due Diligence Checklist AND our 23 Step Guide to Buying Property at Auction AND our Monthly NewsletterFollow the Show on InstagramTell us the one thing you're struggling with in UK property As a reminder, here are the details of where to meet other Expat Property Investors (For FREE!!!):Hong Kong: The Urban Bakery in the Landmark Building in Central on the first Saturday of each month from 11:30 amDubai: Holiday Inn, Science Park on the first Wednesday of each month (from 7pmSingapore: The Providore at VivoCity on the first Saturday of each month  from 10:30 amKeywordsGrant Williams, investment, stocks, shares, property, property investor, risk tolerance, due diligence, stock market, small businesses, exit liquidity, stock market trading, financial content producer, Real Vision, responsible financial advisers, commercial real estate, inflation, leverage, investment objectives, airport scenario, emotional aspects of investing, Expat Property Guy, Hong Kong property market, corporate defaults, economic downturns, debt levels, interest rates, refinancing debt, central banks, recession, rate cuts

Over the last 20 weeks, we have seen a huge rally in the stock market, led by tech stocks like Nvidia, which has led some to believe that we are in a bubble. Is that true?In this episode, Ryan Detrick, Chief Market Strategist at Carson Group & Sonu Varghese, VP, Global Macro Strategist at Carson Group, dive into whether the market is truly in a bubble, suggesting that diversification is crucial as earnings growth shows resilience. The conversation also covers interest rates, Japan's economy, inflation, and the impact of defense spending on the economy, hinting at potential future increases in defense investment.Ryan and Sonu discuss: Whether the current market situation is a bubbleJapan's shift from negative interest rates to 0.1% and its connection to wage growth and inflationPrediction and analysis of potential interest rate cuts by the Federal ReserveCPI, core inflation, shelter impact, and food inflationThe low defense spending and its impact on the economyStrong labor market, income, and consumptionAnd more!Resources:Any questions about the show? Send it to us! We'd love to hear from you! factsvsfeelings@carsongroup.com Connect with Ryan Detrick: LinkedIn: Ryan DetrickX: Ryan DetrickConnect with Sonu Varghese: LinkedIn: Sonu VargheseX: Sonu Varghese

The U.S. economy has been showing signs of strength, despite the challenges posed by the pandemic and ever-evolving global uncertainties. One of the most encouraging indicators is the unemployment rate, which fell to 3.7% in November.What does this mean for the markets? What is the outlook for 2024?In this episode, Ryan Detrick, Chief Market Strategist at Carson Group & Sonu Varghese, VP, Global Macro Strategist at Carson Group, explore the current state of the economy and job market, inflation, and market performance. They address the good news of the unemployment drop, the Federal Reserve's approach to inflation, and the positive outlook for investors in 2024.Ryan and Sonu discuss: The positive trends in the job market, highlighting the recent good news in employment numbersThe significance of the JOLTS report, highlighting Jerome Powell's concern over openings per unemployed workerThe recent decrease in used car prices and its potential impact on inflationThe current state of inflation and the Fed's decision to keep rates high, with speculation on potential rate cuts in the futureWhy small caps and mid-caps have been outperformingThe positive stock market indicatorsAn anticipation for the Fed meeting and the discussion on potential rate cuts for 2024, as well as the upcoming CPI reportAnd more!Resources:Any questions about the show? Send it to us! We'd love to hear from you! factsvsfeelings@carsongroup.com Connect with Ryan Detrick: LinkedIn: Ryan DetrickConnect with Sonu Varghese: LinkedIn: Sonu Varghese

In this episode, I talk with Dr. Caleb Fuller, associate professor of economics at Grove City College, about several popular economic fallacies, including:Corporate greed causes inflationPrice controls are an effective way of “controlling” said inflationThe minimum wage is a free lunch to low-skilled workersRacial discrimination is costless to the discriminatorChina is “beating” us at tradeRent control expands housing availability for the poorestTrade or immigrants “steal” domestic jobsWomen earn less than men for performing the same work We also discuss the history of the Austrian school, why Christians need to study economics, and some suggested reading material for those who want to do further research. This is a massive episode that demonstrates how easy it is for economic myths to be widely accepted and why we need to think more carefully about the economy. Check it out! Media Referenced:Our Economic Illiteracy: https://mises.org/wire/our-economic-illiteracyNo Free Lunch: https://a.co/d/2Dvv12D Caleb Fuller's Website: https://calebsfuller.com/Caleb Fuller on Twitter: @CalebSFuller The Protestant Libertarian Podcast is a project of the Libertarian Christian Institute and a part of the Christians For Liberty Network. The Libertarian Christian Institute can be found at www.libertarianchristians.com. Questions, comments, suggestions? Please reach out to me at theprotestantlibertarian@gmail.com.  You can also follow the podcast on Twitter: @prolibertypod. For more about the show, you can go to theprotestantlibertarianpodcast.com. If you like the show and want to support it, you can! Check out the Protestant Libertarian Podcast page at https://www.buymeacoffee.com/theplpodcast. Also, please consider giving me a star rating and leaving me a review, it really helps expand the shows profile! Thanks!

Live from the Excell Conference in Nashville, this week we bring you incredible stories and valuable guests!In this episode, Ryan Detrick & Sonu Varghese sit down with Paul Hickey, Co-Founder: Bespoke Investment Group and Bespoke Market Intel, Sam Ro, CFA, Founder of TKer.co, and Frank Cappelleri, Founder and President at CappThesis.  They cover various topics, including the current state of the economy, technical analysis, market trends, inflation, and the impact of higher energy prices on the economy. They also share their experiences running their own companies and the importance of adapting to market feedback. Together, they discuss:The message of the market from a technical point of view, focusing on bullish patterns and low volatilityThe weak consumer sentiment and its correlation with presidential approval ratings and inflationThe early days of their businesses, including not having basic supplies, going independent, and the importance of listening to the market The performance of small caps and the factors affecting their movementDetails about their companies and how they help investors and advisorsWhether the economy is in an early cycle or heading towards a recessionThe need to know your time frame when trading and the benefits of being market agnosticAnd more!Connect with Paul Hickey: LinkedIn: Paul HickeyBespoke Investment GroupConnect with Sam Ro: LinkedIn: Sam RoTKer by Sam RoConnect with Frank Cappelleri: LinkedIn: Frank CappelleriCappThesisConnect with Ryan Detrick: LinkedIn: Ryan DetrickConnect with Sonu Varghese: LinkedIn: Sonu Varghese

In this episode, my co-host Gayatri is in conversation with Dan Balcauski, founder and chief pricing officer at product tranquility, a company that helps high-volume B2B SaaS CEOs define pricing and packaging for new productsIn this conversation he talks aboutHis student days in 1999, the peak dotcom eraGot a job in Austin, TexasGetting into engineering manager role, which included envisioning product roadmapsDeveloping an interest in articulating value of solutions Signing up for an MBA and doing work on pricingSeeing some of the mistakes made by others during mergers and acquisitionsSetting up his company about 4 years agoHow he learns from other experts and booksHis views and recommendations on pricing and inflationThe impact of Covid on pricing patterns in hardware and softwareListen on!Gayatri asked him what challenges he faced when he became a consultantThe answer to that question and a lot more interesting stuff in the next episode.Dan Balcauski, the founder and Chief Pricing Officer at Product Tranquility, dispels B2B SaaS Pricing Illusions.Dan is an expert in helping high-volume B2B SaaS CEOs define pricing and packaging for new products. He has 15 years of experience managing multiple products throughout their life cycles, from start-ups to publicly traded multinationals. A fun fact about him: before founding the company, he took a sabbatical and completed a solo, round-the-world expedition to 21 countries.Linkedin: https://www.linkedin.com/in/balcauski/

Have you noticed that package sizes seem to be shrinking - that the grocery item in your cart is smaller but the price is the same or even more? This is called shrinkflation and it isn't new. It's the inflation that you're not supposed to see. Manufacturers are quietly shrinking package sizes without lowering the prices. It happens more often in times of high inflation and is impacting almost every packaged product. It seems that shrinkflation is happening in a grocery store near you and is here to stay. But is there something we can do about it?Licensed Insolvency Trustee, Francyne Myers, discusses shrinkflation and how it is impacting our budgets. She also covers:The difference between shrinkflation and inflationThe most common products affectedNavigating ways to make price comparisons Checking the price of your goods as they are scannedConsumer education sites If you are struggling with debt or just need help managing your finances, a Licensed Insolvency Trustee (LIT) should be your first call. They will talk you through all the debt relief options available to you. LIT's are licensed and regulated by the Canadian government and adhere to strict ethical guidelines. About Francyne MyersIn 2012, Francyne left her 23 year public service career and joined Allan Marshall & Associates where she completed her education and became a Licensed Insolvency Trustee in 2013. Alongside with her work she is actively involved in her local Trustee Association. In her spare time Francyne can be found fishing and spending time with her family.Additional Resources Allan Marshall & Associates Licensed Insolvency TrusteeCanadian Inflation Rates – How To Protect Against Hyperinflation & Avoid DebtCanada Inflation: Find Out What You Can Do About Today's Soaring Prices

In this episode, Chris hosts a discussion with Global Macro Strategist Jason Vaillancourt regarding the key topics that are shaping the market for the second half of the year.During the conversation, they touch on many topics, including: Fed policy and inflationThe likelihood, timing, and magnitude of a recessionAdding duration to portfolios: what signals to look for and how to add duration most efficientlyThis material is for informational and educational purposes only. It is not a recommendation of any specific investment product, strategy, or decision, and is not intended to suggest taking or refraining from any course of action. It is not intended to address the needs, circumstances, and objectives of any specific investor. This information is not meant as tax or legal advice. Investors should consult a professional advisor before making investment and financial decisions and for more information on tax rules and other laws, which are complex and subject to change.The Chicago Fed National Activity Index (CFNAI) is a monthly index designed to gauge overall economic activity and related inflationary pressure.Earnings per share (EPS) is found by taking the net income and dividing it by the basic or diluted number of shares outstanding, as reported. If you do this for each quarter and then add them up, you'll get the trailing EPS.Gross domestic product (GDP) is the total monetary or market value of all the finished goods and services produced within a country's borders in a specific time period; changes in GDP are an indicator of a nation's overall economic health.The Phillips curve represents the historical inverse relationship between the rate of inflation and the unemployment rate whereby periods of high unemployment showed low wage growth and periods with low unemployment showed rapidly rising wages.Duration measures the sensitivity of bond prices to interest-rate changes. A negative duration indicates that a security or fund may be poised to increase in value when interest rates increase.Sharpe ratio is a measure of historical adjusted performance calculated by dividing the fund's return minus the risk-free rate (ICE BofA U.S. Treasury Bill Index) by the standard deviation of the fund's return. The higher the ratio, the better the fund's return per unit of risk. Investors should carefully consider the investment objectives, risks, charges, and expenses of a fund before investing. For a prospectus, or a summary prospectus if available, containing this and other information for any Putnam fund or product, call your financial representative or call Putnam at 1-800-225-1581. Please read the prospectus carefully before investing. Putnam Retail Management                                                                           AD2995377    7/23 Investors should carefully consider the investment objectives, risks, charges, and expenses of a fund before investing. For a prospectus, or a summary prospectus if available, containing this and other information for any Putnam fund or product, call your financial representative or call Putnam at 1- 800-225-1581. Please read the prospectus carefully before investing.

James Mee, co-head of multi-asset strategies and manager of the Waverton Multi-Asset Income fund, provides a comprehensive overview of the wide range of opportunities available to multi-asset investors. James delves into Waverton's unique approach to risk management, emphasising that it goes beyond just volatility and encompasses factors like inflation and potential permanent capital loss. He explores the effective strategies employed during uncertain periods, including the use of hedging within the fund to mitigate these risks.The latter part of the episode focuses on the critical topic of inflation and its long-term implications. James analyses various factors such as China's working population, the influence of digitalisation, and the impact of artificial intelligence. To illustrate these concepts, James finishes by sharing two examples from the fund's portfolio: the Chicago Mercantile Exchange and PRS REIT.What's covered in this episode: How the Waverton Multi-Asset team defines riskHow the manager manages risk in the fundWhy investing directly in equities and not funds gives more control over riskHow the manager protects capital during periods of market volatilityThe use of hedging in the fundThe manger's view on inflation in the UKThe inflationary impact of de-globalisation How the decreasing working population influences inflationThe disinflationary force of digitalisationWill artificial intelligence cause a disinflationary impact in years to come?Chicago Mercantile Exchange: what it is and why it looks attractive todayWhy the fund is adding to propertyThe fund's increased exposure to investment grade fixed incomeHow to invest for the long-term during market uncertaintyMore about the fund: The Waverton Multi-Asset Income fund leverages the broader capabilities of Waverton Investment Management to construct a diversified portfolio encompassing direct equities, fixed income, and alternative strategies. The team prioritises risk management as the core of its investment approach, with a focus on safeguarding capital during periods of market weakness.Learn more on fundcalibre.comPlease remember, we've been discussing individual companies to bring investing to life for you. It's not a recommendation to buy or sell. The fund may or may not still hold these companies at the time of listening. Elite Ratings are based on FundCalibre's research methodology and are the opinion of FundCalibre's research team only.

2022 was a rough year for investors. And when the market becomes challenged, people begin to feel intimidated and might look to put their money elsewhere. And yes, investing involves risk, but don't stick your head in the sand and think relying on bank interest will be enough to reach your goals because, historically, you will lose to inflation over the long term. Jason and Tyler review market turbulence, past market performance and what those investments would be worth today. Tune into this episode to also learn: How to beat inflationThe right way to calculate how much you're really making from your investmentsIf it's worth investing in the market in 2023 What we discussed (00:35) Greatest wealth creator of all time.(01:16) Excuses people make for not investing.(02:30) Will the market ever go back up again?(05:11) The right way to keep up with inflation.(06:22) Real return vs. nominal return.(07:48) Who causes inflation?(08:46) Is this a good time to invest? 3 Things To RememberBeating inflation isn't necessarily a year-to-year thing. You have to view beating inflation with a long-term mindset. The market may or may not beat inflation in a given year, but over time, the market usually crushes inflation. It's the market's job to beat inflation.If you keep money in cash or bonds, you would likely lose out to inflation in the long term, even with the interest you made. Not all interest keeps up with inflation.Before slowing your investment activity, ask yourself: are the market changes we're experiencing outside the scope of what we expect from the market? If the answer is no, keep investing. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Connect with Tyler Reedman: LinkedIn Like what you've heard… Learn more about HFM HERESchedule time to speak with us HERECheck out our Financial Wellness Program – HFM Ignite

Most 2023 housing market predictions sound like this, “The sky is falling! Sell everything! Houses will be worth $1 next year! This is just like 2008!” Look at the track record of those who shill predictions like this. These are the same forecasters who have been predicting a crash will happen at some point over the last ten years. Now, with a whiff of fear in the air, mainstream real estate journalists will do anything they can to convince you we're having a repeat of 2008. However, this is far from the truth.But how could we forecast the 2023 housing market without data? And where there's data, there's Dave Meyer, VP of Data and Analytics at BiggerPockets and host of the On the Market podcast. Dave and his team have recently released “The 2023 State of Real Estate Investing Report,” which gives all the housing market data you need to invest successfully in 2023. In it, Dave shares how the 2022 housing market flipped once the Fed raised rates, how supply and demand have been affected, and what we can expect for 2023.Dave will also go over the three investing strategies he feels are more appropriate for investing in 2023, including a completely passive way to invest, a cash flow and appreciation combo, and how buyers can take advantage of this market to get deals at a steep discount. While we can't predict the future, we can give you our best insight into what you can do to build wealth in 2023. So turn off the mainstream fear forecasting and tune into real news designed to make you richer!In This Episode We Cover:Why 2023 is not a “normal” housing market and the details leading up to today's stateThe “levers” that affect home prices and why 2023 is NOT the same as 2008Seller's vs. buyer's markets and where prices are most expected to dipHomebuyer demand and how unaffordability has caused most buyers to sit on their handsMortgage rate increases and how the Fed is using high rates to combat inflationThe three strategies that work in today's housing market and how to invest while others sit on the sidelines2023 housing market predictions and when we could potentially see home prices bottomAnd So Much More!Links from the ShowFind an Investor-Friendly Real Estate AgentBiggerPockets Youtube ChannelBiggerPockets ForumsBiggerPockets Pro MembershipBiggerPockets BookstoreBiggerPockets BootcampsBiggerPockets PodcastBiggerPockets MerchListen to All Your Favorite BiggerPockets Podcasts in One PlaceLearn About Real Estate, The Housing Market, and Money Management with The BiggerPockets PodcastsGet More Deals Done with The BiggerPockets Investing ToolsFind a BiggerPockets Real Estate Meetup in Your AreaDavid's BiggerPockets ProfileDavid's InstagramDavid's YouTube ChannelBooks Mentioned in this EpisodeReal Estate by the Numbers by J Scott and Dave MeyerReal Estate Note Investing by Dave Van HornConnect with Dave:Dave's BiggerPockets ProfileDave's Instagram“On the Market” Podcast“On The Market” YouTube ChannelClick here to check the full show notes: https://www.biggerpockets.com/blog/real-estate-718Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Stock market crashes aren't good news for anyone. For retirees though, this dip in prices can feel like a death wish, as active income is no longer an option. Have the hopes and dreams of financial flexibility gone out the window? Or is a market crash like we're experiencing today just a small blip on a retiree's radar? Pairing this with inflation, how will someone who has just retired make it?We've got Michael Kitces, retirement planning expert and financial genius with enough acronyms coming after his name to spell out the alphabet, on the show to answer whether or not retirees are in trouble. Michael has advised his clients for decades on the right way to save and invest for retirement. He's been a proponent of the 4% rule and was bold enough to hold his claim even during the flash crash of 2020. But, with such high inflation and stark drops in equity values, does he still agree with his past predictions?Michael takes us on a trip down memory lane, visiting some of the worst financial crises in American history, showing how they compare to today. He also proposes that holding large amounts of cash, even during high inflationary times, isn't the worst move to make, and whether or not he's still investing as the market finds its bottom. If you're worried about retiring during times like today, this is the man to listen to!In This Episode We CoverThe 4% rule explained and whether this sage retirement advice still holds upHow past retirees fared during high inflation, low growth time periodsWhich types of market crashes can be “dangerous” to retirees (and who should be worried)Why some of the brightest minds in personal finance are clinging to cash Purchasing power and how withdrawal rates are affected by high inflationThe smartest move to make if you're worried your retirement savings aren't enoughAnd So Much More!Links from the ShowFind an Investor-Friendly Real Estate AgentBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingMindy's TwitterScott's InstagramListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy's 2022 Live Spending Tracker and BudgetBuckingham Wealth PartnersBill Bengen (The Inventor of the 4% Rule) Talks Retirement, Past Crashes, and How You Can Withdraw Even More!Original Article from the Journal Of Financial Planning, October 1994Are FIRE Naysayers Bad at Math? Yes. with Michael KitcesClick here to check the full show notes: https://www.biggerpockets.com/blog/money-351Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Matthew Page, co-manager of the Guinness Global Equity Income fund, talks to us about how company dividends are holding up this year. He also covers the fund's investment process, how it differs from others, how the team makes its buying and selling decisions, and the effect recent decisions have had on the geographic weighting of the portfolio. Matthew also comments on the perennial 'bonds v equities' debate, looks at how some consumer staples' companies are defying economic norms, and wraps up by telling us why British American Tobacco is out, and Coca-Cola is in. More about this episode:Positive dividend news despite the difficult macro environmentCompanies that are defying standard economicsThe investment process that seeks long-term, sustainable and growing dividendsWhy the managers don't invest in utilities, energy, telcosWell-protected dividends in the USProtecting income streams from inflationThe fund's ‘one in, one out' approach to buying and sellingMore about the fund:This core global income fund typically consists of around 35 equal-weighted stocks, which means that investments are very different from the benchmark index. The managers focus on how well and consistently a company can use money to generate returns. They also have substantial freedom to entirely avoid countries and sectors they don't like. The one-in, one-out philosophy means the fund stays up to date with the managers' best ideas. Learn more on fundcalibre.comPlease remember, we've been discussing individual companies to bring investing to life for you. It's not a recommendation to buy or sell. The fund may or may not still hold these companies at the time of listening. Elite Ratings are based on FundCalibre's research methodology and are the opinion of FundCalibre's research team only.

Welcome to episode 68 of The Numbers Game. On today's show, we chat about how to win when rates and costs are up.We discuss:1 Percenters:How to win in this marketPhilip Lowe's take on the economyAre businesses actually making more money?Raising your pricesSavings at an all time highRBA miscalculating inflationThe opportunity in painPreparing for the worstSetting yourself up for successReviewing your costsReviewing your superUnderstanding your cashflowThe future of lodging BasCheck out the free resources from Inovayt here.Send us an email: hello@thenumbersgamepodcast.com.auThe Numbers Game is brought to you by Future Advisory & Inovayt.Hosts:Nick ReillyJason RobinsonMartin VidakovicThis podcast is produced by VIDPOD.

Got a question for the trio? - https://zfrmz.com/uLtjhyBskV96PY6eJfaIhttps://propertyplanning.com.au/propertyplannerbuyerprofessor/In this week's episode Dave, Cate and Pete take you through:1. Markets across Australia dip further over JuneFor capital cities already in retraction, the rate of decline has increased over June, while those still experiencing value growth have seen a definitive slow-down in the rate of price increases. Sydney in particular has made the headlines, with a median dwelling price drop of 1.6% over June, the largest monthly fall since 1989. The trio discuss the fact that these circumstances are not unusual after a period of rapid price growth.2. Upper quartile feeling the pinchAs is typical of rising and falling markets, the upper quartile is leading the price declines and feeling the pinch more than the lower quartile. This has a significant impact on median values, as statistically, the bigger numbers are removed from the data pool. However, it's important to note that quality property is still in high demand, particularly if it sits within the median price range and buyers should not expect a bargain. A key example is entry level family homes where there is simplynot enough stock to cover the demand.3. How capital cities have fared over the last 40 yearsCate shares some interesting data collected from the REIA showing annual value growth for each capital city since 1980. Whilst a 1% differential in annual growth compounded over 40 years will make a significant difference to the end result, it's important to remember that there are many facets to consider when investing, such as vacancy rates, insurances, maintenance costs and rental returns. Although one capital city may have performed better than another over the long-term, price points are significant and could mean that it's better to purchase a high-quality asset in a lower performing city vs a low-quality asset in a high-performing city.4. Market cycle trendsThe trio discuss the trends in market peaks, which cities were the first to move and how these moves correlate with population size for the corresponding cities.5. Taking a critical eye to data and median valuesThe trio discuss data and differences between the nation's data houses: REIA, ABS and CoreLogic. As an interesting note, Brisbane is gaining on Melbourne in median values for all dwellings, but a closer look at the data shows that it's not all that it seems...6. Rollercoaster rentsThe trio discuss the case of Darwin which has had large swings in annualised rents over the last year, resembling one of the scariest roller coasters in the theme park. Melbourne units lead the charge for rental increases, which suggests that people are migrating back to the city and a supply-side issue could be brewing. To add to the pressure cooker, vacancy rates tighten further across most capitals. How will this impact the property market and who are the buyers likely to jump into the fray? Stay tuned to find out.7. Listings follow the annual trend and dwelling sales return to normalcyFollowing the usual seasonal winter trajectory, listings have dropped in Melbourne, Sydney, Adelaide and Canberra. The trio discuss the curious case of Hobart, which has seen a very large increase in listings year on year. Although being a smaller city, it doesn't take many transactions to register some serious numbers. In terms of dwelling sales, the figures are tracking back towards the 5-year average, after a spike in activity last year following an uptake in lifestyle decisions that were put on hold during covid.8. Consumer sentiment bodes well for inflationThe trio discuss the latest data on consumer sentiment, which shows a reluctance on the part of consumers to buy major household items. This indicates that the RBA 125 basis point rate movement is taking effect and consumers are now watching the hip-pocket and cutting back on spending. Could this also be attributed to the increased cost of living though? The time to buy a dwelling index has reached a new low post the GFC and the trio discuss an increasing chasm in sentiment between male and female purchasers.9. Will the RBA oversteer the ship again on inflation?David explains why the Australian economy is particularly sensitive to interest rate changes, compared with other countries. This means that any rate changes are likely to have a big and fast impact, as is already showing in the consumer sentiment data, with willingness to spend dropping significantly. Ideally the RBA will not raise rates more than 0.25% next month or even, dare we say it, take a break. The trio discuss a significant hurdle and structural weakness with inflation data, it is simply too old! By the time the RBA knows what's happening with inflation, it's too late.10. Lending indicators and the three-year bond yieldNot much has changed over May, although we expect to see a shift towards investors in the coming months as home purchasers elect to wait and see. The three-year bond yield peaked on 20th of June and has started to drop slightly since, which indicates that the market is starting to draw back predictions on how high rates will rise.Visit the show notes - https://propertyplanning.com.au/market-update-june-22-why-the-rba-needs-to-be-mindful-of-going-too-hard-too-fast-on-rate-increases-top-capital-city-performers-over-the-last-40-years-why-median-values-cant-be-tru/

Today we bring you up to speed from a wild start to 2022 as we talk about what the trends in the markets, proposed FTC rules, and what one Dealer is doing to serve the community mean for you. The first half of 2022 comes to a close, markets are down but not outWorst performing market since 1970The only notable item that is up are commodities like oilAll eyes are on inflation and the Fed as interest rate increases are the primary tool to stave off inflationThe good news is that all is not lost. In every year the S&P 500 dropped at least 15% the first two quartiers ( 1932, 1939, 1940, 1962 and 1970) it has risen an average of 24% in the second two quarters, according to Dow Jones Market DataTake away: Although the markets affect all americans, we all know the story of Dealership profits are not tied at the hip with the S&P 500The FTC is coming for Dealer Add-Ons and Advertising in new proposed rules in a June 27th notice of proposed regulations which passed by a 4 to 1 voteNew regulations would ban add-ons they determine add no value to the consumerWould require additional expressed consent for add ons like Gap coverage, extended warranties that overlap the factory warranty, and other add ons"As auto prices surge, the commission is taking comprehensive action to prohibit junk fees, bait-and-switch advertising and other practices that hit consumers' pocketbooks," FTC Bureau of Consumer Protection Director Samuel Levine said in a statement June 27. "Our proposed rule would save consumers time and money and help ensure a level playing field for honest dealers."The dissenting opinion cited unintentional consequences that would limit competition. New entrants such as Tesla were mentioned with the comments that any proposed bill would be incomplete even as its finalizedBans all products without benefitRequires dealers to post all possible add on options and prices onlineBans on misleading prices onlineDisclosure and declination in writing of the "Cash Price without Optional Add-ons.Express, Informed Consent" on F&I products and other add-onsTake away: Although this would cause some pain if passed, it will build trustUpstate NY Dealer puts on high speed charity eventGault Toyota of Johnson City, NY went on a 4 hour blitz of their annual Gault Gives Campaign making 23 stops and giving out $50,000 GM Allan Eagles is the son-in-law of owners Bob and Connie Gault and said,“It's to bring awareness to these nonprofits. A lot of people don't know they exist. And they all do wonderful things. A lot of them need help, they need volunteer help. They don't even need money help, they need volunteer help. And we bring awareness to what they do, where they are, that's the goal”Recipients were chosen through an application process and the donation amounts were determined based on needsThe program has been going since 2017 but this is the first time for this formatTake Away: Make sure you send this one to your local FTC rep :) Get the Daily Push Back EmailJOIN the conversation on LinkedIn 

Richard Sennitt, manager of Schroder Oriental Income Fund, talks about the regulatory issues in China and the impact the current lockdowns are having on both the domestic and global markets. He reveals the sectors and geographies across developed and developing Asia, where he is finding the most investment ideas, and outlines the nuance of rising inflation in the region. Richard gives his views on the outlook for dividends in the region and explains how some companies could defend their pay outs again if times get tough.What's covered in this podcast: The regulatory issues in ChinaThe impact China's zero-Covid policy is having on the domestic and international marketsWhich investment opportunities there are in developed and developing AsiaWhy Southern Asia is doing better than Northern AsiaInflation in AsiaHow global inflation could impact Asian exportsWhy wage increases are not coming through in AsiaIf dividend growth can keep up with inflationThe outlook for dividends in AsiaMore about the fund: Launched in 2005, the Schroder Oriental Income Fund aims to provide income and capital growth by investing in Asia Pacific companies (including Australia and New Zealand) that offer attractive yields and growing dividend payments. With a current dividend yield of 3.9%, the trust has also offered consistent growth in its own dividends since launch and is one of the AIC's ‘Next Generation Dividend Heroes'.Learn more on fundcalibre.comPlease remember, we've been discussing individual companies to bring investing to life for you. It's not a recommendation to buy or sell. The fund may or may not still hold these companies at the time of listening. Elite Ratings are based on FundCalibre's research methodology and are the opinion of FundCalibre's research team only.

In today's episode, we take on one of the most pressing concerns for nations worldwide: Inflation! What has caused the historical rise in the U.S., and what policies can help address this problem. We consider how the Russia-Ukraine war impacts inflation and why governments should be franker in how policies like sanctions directly affect consumer prices. We also discuss how immigration may be key to the labor shortage problem and help keep prices down. Topics Discussed in this Episode8:20 - Response from listeners on China's lack of influence on OPEC+ nations13:07 - Causes of Inflation35:47 - Immigration and the Labor MarketArticles Mentioned in EpisodeCauses of InflationThe global stagflation shock of 2022: how bad could it get? (FT)Fact check: Did Biden's government spending cause inflation? (Politifact)Governments Tighten Grip on Global Food Stocks, Sending Prices Higher (NYT)Russia's war in Ukraine threatens to hurt billions, UN warns, as food and energy prices soar (CNBC)Staffing shortages in America are a glimpse into its future (The Economist)Immigration and the Labor MarketTitle 42, the Trump-era border policy dividing Democrats, explained (Vox)The Effect of Low-Skilled Labor Migration on the Host Economy (Carnegie Endowment)Here's how the worker shortage is contributing to sky-high inflation (Fortune)Staffing shortages in America are a glimpse into its future (Economist)Follow UsShow Website: www.kelloggsglobalpolitics.comShow Twitter: @GlobalKelloggAnita's Twitter: https://twitter.com/arkelloggRyan's Twitter: https://twitter.com/RyanPKelloggAnita's Website:https://www.anitakellogg.com/Anita's email: anita@kelloggsglobalpolitics.comRyan's email: ryan@kelloggsglobalpolitics.comHelp Ukrainians in NeedOur hearts are broken by the tragedy that is unfolding due to the ambitions of an evil dictator. Like many of you, we feel the impotence of not being able to do more to help their fight. Please consider supporting any of the organizations and charities below actively helping refugees during this unprecedented crisis:Uniting for UkraineMédecins Sans Frontieres/Doctors Without BordersVoices of Children

Join us today as Rick Martin outlines how you can generate several income streams through multifamily apartment syndication. Tune in to learn why you shouldn't be afraid to use different strategies to scale up and achieve financial freedom. Key Takeaways To Listen ForWhy syndication is a good business model for real estateThe practical approach that leads to financial independenceSolid techniques to locate the best market for investment2 types of investment plan to offerHow to evaluate deals to protect against inflationThe powerful rewards that a real estate can provide for your lifeResources Mentioned In This EpisodeRich Dad Poor Dad by Robert Kiyosaki | Paperback and AudiobookFree Apartment Syndication Due Diligence Checklist for Passive InvestorAbout Rick MartinRick Martin currently resides in Southern California with his wife and two young boys. He is the founder of Fortress Federation Investments, providing value-add, multifamily investment opportunities in the Southeast and Texas, to help investors build wealth and multiple income streams.  Fortress Federation is currently a co-sponsor in over 1760 units, while Rick personally is invested in over 2300 units. He has a background in Entertainment Advertising which he leans on to provide educational content to help his investors understand real estate and multifamily syndications. Connect with RickWebsite: Fortress Federation Multifamily InvestmentsTo Connect With UsPlease visit our website: www.bonavestcapital.com and please click here, to leave a rating and review!SponsorsGrow Your Show, LLCThinking About Creating and Growing Your Own Podcast But Not Sure Where To Start?Visit GrowYourShow.com and Schedule a call with Adam A. Adams.Dream Chasers PodcastWant to listen to another Next Level Show?Subscribe to DREAM CHASERS | Interviews with the Future Podcast!

We took a poll in our Facebook group called Freedom Through Passive Income and learning how to evaluate investment options was the number one thing that people wanted to learn about. Download your Free Private Lending Report here: www.FreedomCapitalInvestments.com/lendingDownload your Freedom # worksheet here: www.FreedomCapitalInvestments.com/worksheetClick on the Social Media links below and listen in on our Private Group Conversations about how to achieve Financial Freedom through a consistent pipeline of passive income investments:  https://www.facebook.com/groups/freedomthroughpassiveincome https://www.linkedin.com/groups/14048250————————————————————————————On today's episode Flip and Dani talk about seven ways to evaluate investment options. Make sure you look at your specific situation because everybody's different, every situation is different. And you decide what you need most.1) Active Income versus Passive Income - How much time do you have on your hands? And how much can you do based on how much control you want to have?2) Cash Flow - Cash flow could be coming on a monthly basis or quarterly basis.3) Equity - You could be okay with lower returns, but have a piece of the equity so you have long term cash flow, and some upside via that equity and appreciation.4) Depreciation - You want to be able to wipe out as much of the tax implications.5) Liquidity - You're not really looking at having a high interest rate. You just want the availability to get your money in and out of the investment.6) Growth - How can I get compound interest?7) Preservation - You're looking for safety and hedges against inflationThe first thing you need to do is get educated and then you get to figure out what strategic decision you want to make.Our private Facebook group gives you access to where you can start building a direct relationship with us, we'd love to get to know you. 30 days later you may be invited into our Deal Room.  The Deal Room is our private room where we share exclusive 506B opportunities because now you are our “Buddy.”Join our groups on Facebook and LinkedIn.https://www.facebook.com/groups/freedomthroughpassiveincome https://www.linkedin.com/groups/14048250www.FreedomCapitalInvestments.comInvest Smart.  Live Happy.————————————————————————————Connect with us here:FB personal pageshttps://www.facebook.com/Flipsterhttps://www.facebook.com/dani.lynn.robisonLinkedIn personal pageshttps://www.linkedin.com/in/fliprobison/https://www.linkedin.com/in/danilynnrobison/Instagram personal pageshttps://www.instagram.com/fliprobison/https://www.instagram.com/danilynn23/TikTok  personal pageshttps://www.tiktok.com/@danilynnrobisonhttps://www.tiktok.com/@fliprobison

Ask the trio a question - https://zfrmz.com/uLtjhyBskV96PY6eJfaIhttps://propertyplanning.com.au/propertyplannerbuyerprofessor/In this week's episode Dave, Cate and Pete take you through:1. Brisbane and Adelaide show no signs of slowingThe trio discuss the home value index results for January, with Brisbane and Adelaide continuing the trend of above 2% monthly growth, while other capitals are slowing down. January tends to be a distorted month as many agents and vendors shut up shop for the holidays. We await the February results to get a better gauge on the market.2. Rental conditions easingRents have been flying along for the last year, although the quarterly pace of growth has been easing from 3.2% increases in March 2021 quarter to 2% over the three months ending in January 2022. Unsurprisingly, Sydney and Melbourne remain the only capitals in which rental yields are averaged at below 3%. Cate shares some insights on why available rental stock listings in the Melbourne CBD market have plummeted over the last 9 months.3. Listings and the correlation between property growth ratesThe trio discuss the level of old listings, new listings and total listings and how this has a direct correlation with value growth in our capital cities.4. Consumer sentimentConsumer sentiment continues to remain negative when considering whether now is a good time to buy a dwelling. However the house price expectations index fell below 150 points for the first time since January 2021. While expectations on the East Coast dropped, house price expectations took a big upwards swing in Western Australia. The trio discuss the potential drivers of this shift in sentiment.5. Lending indicatorsWhile 2021 was largely the year of the returning investor, lending indicators for December show an increase in owner occupiers greater than that of the measured increase in investors. The trio discuss whether this is an early indicator of the turning of the tide.6. Unemployment drops againKudos to South Australia for achieving the lowest unemployment rate ever recorded at 3.9%. However, the trio note that being one of the smaller states in terms of per capita, the data can be more volatile. Nationally unemployment decreased from 4.6% to 4.3%, which is a good news story for the government heading into an election.7. RBA announcementGovernor Lowe has softened his stance on cash rate increases, saying now that it could be ‘plausible' for cash rates to rise this year. While inflation certainly has picked up, it's too early to conclude that inflation is sustainably within the target band to increase the cash rate and wages growth remains an issue. Most economists expect that any rate rises on the horizon will not come before August.8. InflationThe latest data from the ABS shows CPI has increased 1.3% over the December quarter and 3.5% over the year. However, when making monetary policy decisions, the RBA looks at the trimmed mean, which excludes any outliers that can skew the data, which has increased to 2.6%, the highest since June 2014. The trio discuss the contributing factors driving inflation.9. Will the election announcement have an impact on property prices?The trio discuss the forthcoming federal election and whether we'll see a slow-down in market activity and property price growth in the lead up.Visit the show notes - https://propertyplanning.com.au/market-update-january-22-why-are-brisbane-and-adelaide-flying-election-impact-on-property-prices-are-investors-on-the-way-out-evidence-of-how-listings-numbers-is-driving-capital-growth-is-inflat/

AlabamaThe European Union decides to weigh in on Alabama's execution caseAL congressman Jerry Carl co-sponsors the FAUCI act re: financial disclosuresMontgomery county DA calls on Parents to help stem the wave of crime in cityWalker county Deputies rescue almost 100 dogs from deplorable home in JasperSenator Tuberville makes 33 military service academy recommendationsNational8,500 US troops now stand ready for deployment to Ukraine Russia borderWhite House Press Secretary urges Americans in Ukraine to get outPresident Joe Biden curses at Fox News reporter for question on inflationThe "Second Opinion" senate panel gets underway re: national covid responseNY state Supreme Court call governor's mask mandate unconstitutional

This week on episode 16 I want to revisit a two-part series on the nuts and bolts of our very simple investing strategy. I wrote these posts early in the history of this website, back in late 2018. We felt an investing strategy needed to be simple and lasting, so you might be surprised to learn how boring it all seems. But in this case, boring is good.And like a simple investing strategy should be, it really hasn't changed much. However, once we achieved financial independence and left our traditional jobs, we have made some minor changes to our plan. And I'll share those changes with you today.Support this project: Buy Me a CoffeeSubscribe to the website: SUBSCRIBE ME!Covered in this episode:The critical importance of spending less than we earnInvesting vs savingsA simple case study of how cash falls behind to price inflationThe key elements of our investing strategyInvesting psychologyAsset allocationOur favorite fundsThe importance of automationHow we handle home equityWhether or not to pay extra on a mortgageHow our plan has changedSo much more!Investing Strategy Links:Original Post: Part 1: The CC Family Investing Strategy: Philosophy and Asset AllocationThe S&P 500 through timeExpense Ratio & Fees: They'll Hose You Big TimeVanguard's Total Stock Market Index Fund (VTSAX) details (no affiliation)

PMI is slightly down in October to 48.7 from 48.9 in September, due to stock shortages, output falling, and higher inflationThe government is setting up a new committee on import substitution and growing domestic manufacturingCLHO is in negotiations with Al-Marasem International for establishing a hospital in New Cairo, pending Ministry of Health approvals; CLHO is currently trading at 2022f P/E of 16.6x and 2022f EV/EBITDA of 9.9xRetail pharma sales recorded EGP62.0 billion during 9M21 (+6% YoY), higher than 2020 growth (+4% YoY growth) but is still below 2019 levels of c.17% YoY AXPH 1Q21/22 net profit came in at EGP33.2 million (-26.1% YoY, +277% QoQ); AXPH is currently trading at FY21/22f P/E of 7.3x and EV/EBITDA of 3.3xEFID 3Q21 net profit came in at EGP113 million for 3Q21 (up 4.4% YoY and 36.3% QoQ), driven by higher volumes as well as higher prices; EFID is currently trading at a 2022 P/E of 11.3x and EV/EBITDA of 7.2xOLFI 3Q21 net profit at EGP111.2 million, up 49.9% QoQ and 11.9% YoY; due to successful raw materials management and pricing policies despite of higher raw material prices; OLFI is currently trading at 2022 P/E of 6.7x and EV/EBITDA of 4.8xAUTO recorded sales of 4,340 passenger car units in September 2021 (up 24% YoY and 28% MoM); reflects a market share for AUTO of 26.1% (+5.6pps YoY and +7.5pps MoM)EMFD 3Q21 net profit up 181.8% y/y and 85.2% q/q to EGP1.5 billion; EMFD's net cash currently constitutes 93.4% of its market cap. HELI stake sale as part of the state's privatization program is planned for mid-2022; HELI plans to do a capital increase to meet its financing needs that are estimated to be over EGP1.0 billionMinistry of Tourism expects number of tourists visiting Egypt in 2021 of 8-9 millionHotel occupancy rates in Hurghada are at 80%-90% and in Sharm El Sheikh are at 75%-80%Luxor received its first direct flight in two years from LondonSteel & Iron exports surged by 193% YoY in 9M21 to record USD477 millionAluminum exports recorded USD567 million in 9M21, rising by 47% YoYBanque Du Caire hasn't yet started any discussions related to the resumption of the bank's listing procedures on the stock exchangeFRA intends to issue complementary and regulatory decisions for SPACsEgyptian Insurance Federation has requested the FRA would allow telecommunications companies to issue insurance policies; Might represent a healthy revenue stream for telecom companiesCANA is preparing to launch its “Mobile Banking” product next month as part of the bank's digital transformation plan NBKE recorded a net profit of EGP1.2 billion in 9M2021, +21% YoYRACC is targeting a growth rate of 25% in its revenues in 2022; Aims to expand in the same current markets (Saudi Arabia, the UAE, Bahrain, and USA)CEFM proposed the distribution of FY20/21 DPS of EGP3.25, DY of 9.7%

#82: Are annuities a good investment for retirement?With $250 billion in sales each year, and $2.5 trillion in retirement annuity assets under contract, annuities comprise a huge slice of US retirement assets.Understanding annuities – whether annuities are right for you, and how annuities fit into your retirement strategy – can get complicated given all the annuity options out there and the extreme uncertainty in today's markets.So this week, I sat down with Stan Haithcock, aka “Stan The Annuity Man,” to deep dive on annuities. We chat about how annuities work, why annuities are not investments (in the portfolio sense), and why there is no such thing as “best annuities.”We discuss:What annuities are and what purpose they serveThe different types of annuity options (immediate annuity, deferred annuity, fixed annuity, variable annuity, indexed annuity, multi-year guaranteed annuity, life annuity)How annuities account for inflationThe mechanics of how to buy an annuityHow insurance companies that sell annuities make moneyThe different type of annuity fees you can expect, and typical all-in costs for different annuity typesHow to vet the insurance companies that sell annuitiesHow to vet an agent and questions to ask before buying an annuity from themHow agents who sell annuities are compensatedAnnuity taxes and the tax profile of annuitiesBasic protections your annuity gets if the insurance company you bought it from goes bankruptWho annuities are best suited for, and whether annuities are a good idea for early retirees (FIRE)Check it out here:https://hackyourwealth.com/annuitiesHave you purchased any annuities before, either for yourself or a family member? What kind of annuity did you buy, and why? Let me know by leaving a comment.Don't miss an episode, hit that subscribe button...If you liked this episode, be sure to subscribe so you don't miss any upcoming episodes!Apple PodcastsOvercastSpotifyStitcherI need your help, please leave a listener review :)If you liked this episode, would you please leave a quick review on Apple Podcasts? It'd mean the world to me and your review also helps others find my podcast, too!Links mentioned in this episode:The Annuity ManNational Organization of Life & Health Insurance Guaranty AssociationsSocial Security: How it works and optimal claiming strategies (HYW050)How Medicare works: eligibility, enrollment, cost, and coverage options (HYW048)How Social Security Works: The Ultimate Guide For LaypersonsRetirement withdrawal calculator: How long will your savings last in retirement?Schedule a private 1:1 consultation with meHYW private Facebook community Intro/Outro: Old Bossa by Twin Musicom.

Finding Inspiration is a new show on the Poetry Bores Podcast hosted by Tola Makanjuola, who looks for inspiration for his poems in different fields of study and everything in between.In Episode 1, Tola finds inspiration in InflationThe link to the notes and poem is here :https://poetrybores.com/2021/05/18/poerty-bores-podcast-finding-inspiration-s1-ep-1-inflation/

Jerome Abramovitch took the art of body modification to another level, through performing acts such as cutting off one of his fingers and inflating his forehead (which lead him into the Guinness Book of World Records). In this awe-inspiring chat, he walks us through his evolution as an underground body modification artist.An early interest in tribal/aboriginal culturesFinding what speaks to us and reconnecting with itHow we become cultural byproducts of our environmentStaying true to yourself as an artist through a careerWhy self awareness is essential to everything in one's lifeSeparating the artist persona from the artist as a personBalancing artistic production and professional goals The 33% of magic that happens in any artistic projectHow a background as a musician influenced Jerome's photographyJerome's body modification experimentsGetting in the Guinness book of world records for the largest forehead inflationThe experience of cutting off his own fingerJerome Abramovitch is a Montreal-based photographer. See acast.com/privacy for privacy and opt-out information.