23 Burst results for "Three Two Percent"

Will $9,000 Prove Too Much For Bitcoin?

The Trader Cobb Crypto Podcast

06:50 min | 2 years ago

Will $9,000 Prove Too Much For Bitcoin?

"Yes first day of suggest that would be a pretty important wake full. Bitcoin Lodge markets has started with a big grain. Candle across the entire. Talk Ten. Now I have teiken to note What's been going on in other markets as well of light and the reason that I've been watching What has been going on of light in other. The markets is quite simply that I want to say. Is bitcoin going to remain a correlated asset class to other markets over lit so to skew off and do it signed thing lock? It was a surprising. Ten suppose intended to do back in the During inception period so on one looking at now is You know a US. Market that is is very buoyant on the dyes obviously has big full. But we've got we've got things like the Dow is up five percent. The pay five hundred is a four point six percent. These are very very very significant gains on these markets that you might not sound think that five percent means very much. 'cause y'all use to crip die but it does. It remains an enormous amount because these much more difficult markets to move because they have so much more liquidity so much more value With in these markets than we have in Crypto. A lot going on out there at the moment golden. Do a great deal. I can tell you that. Now it's at one point five percent. Silva's up point three seven percent. It was a global indices. That really did have a big move throughout loss not session. So what does that mean with? Bitcoin well bitcoin also with both the Dow. And the S&P WILL. This is about the same sort of area but four point seven percent which is where we sit right now on. Bitcoin. I- thousand nine hundred thirty two dollars. We are Joss shy all that nine thousand barrier. Will we break through? This is what's going to become very interesting for me as we have had. This push Now I'll say the market go into this. Non Thousand Air Inlet daily cradles on and then decline once again all is this gonNA be working to their weekly trend loving talking. Of course a weekly trend will always say. There is a pool by into that cradles Excuse me and it's holding route smack bang in the middle of that so as a guide to continue on that I certainly hope so because if we do get this little pull back and we do push to when you high then we are in really really good territory on the weekly so coming back to the daily of course as I said we moving up towards dawn thousands. GonNa be very interesting. Dichotomy Cinema. Can't just go in a straight line more or less at It's done from Wolfowitz. Lo Let's just talk. She's three this. It's low is about eighty four hundred four dollars to the high We were up. You know moved up. Five hundred. Sixty dollars already has a pullback of look at the lower timeframe so interesting to say. I'll we're going to save him a blow cell or are we gonNA see continued on with theorem now. It's higher than Bitcoin is up. Two hundred thirty starts at two hundred thirty one dollars and thirty four cents up six point three two percent and once again holding its ground a pretty straight round straight up on that weekly shot which is robin focusing a lot of my attention recently. Because that's where the trends bane. The weekly chart is looking very very nice indeed right now but of course it is just the first day of the wake conqueror myself just yet if the Kennels close like these are the analytic one it will be very boring like attracting. I'll tell you that much but it's It's looking very very nice. Six point two two percent up there on a theme with move across to pay next time pay did have quite a slide. Lost Weight Down Twenty percent but now it's helps a little bit rough five point. Two full percentage starting to try and claw back some of what it gave wide. Twenty three point nine cents right now again. Nothing really tribal. They're familiar be staring at on. These low timeframe are moving on bitcoin. Cash that three hundred thirty six dollars and ten cents up seven point. Seven four percent in that cradles on on the weekly found some pretty solo support three hundred dollars on the noise And has since moved? You know a good thirty six dollars above the rage and we'll see how a guy if we do get a higher lower their little pullback Really need to really look for opportunities to try this via big win today Currently the largest move in the top ten at two hundred and fifty two dollars on fifty one sense. It's up ten point three four percents every little bit of the trend there and I will be keeping a close eye on that to save is Pharma so little module and tried long movie becky in and around that to full he region. I'm still at the saw a wedding. See how that shot comes about to set up but it certainly looking a little bit better than it has done for quite some time lot. Coin Perpetual Right now. Sixty one dollars six cents. It's up five point eight two percent. It's not the greatest looking chart on the lower timeframes to be fed. We have a low low in the high on county. Do much with that. He has petrol three dollars and sixty nine cents up five point three percent and a guy in back in that cradles on the way clay looking to see if that's going to play not much more to say because it doesn't look right. Barnett's is a nineteen dollars and ninety three cents up five point three five percent. An arsenal moved once again. Needs to kick on to get about twenty dollars really off for Mehta have any real interest to put that high in will give me something to work with them. We got cow. Don which beautifully sitting on that weekly cradles on its pulled back to that. Full point six cents Support it's held its ground. It is holding. Strong is up eight percent and as full point nine cents a therapy classic as one that. I'm looking for an opportunity for a long today. It's back in that cradles. Once again the wake look much of the top ten right now and there's a four hour trend employer moving to the to our God. I'M GONNA say viscount fall myself. A little module tried long And it's the therion classic idols. Forty five nine point three percent up rounding out the top ten moving onto co two on one point seven cents up six point. Nine percent has been boxed at the moment of the four hours. A great deal going on but what I'm focusing on. Today's will we see a pullback to a high alive that will kick onto a high heart all are we gonna find a struggle around the next push higher goes off and I was going to say I do not know at Toll Butts deny that? I'm going to be patient because you make your money when you're white. That's what try to do more often than not we white and we white and we white and I'm waiting for the opportunity but those of you that are online trading floor. You'll be seeing. How Bane of light and helps you avoid taking crappy

Bitcoin Lodge United States Thousand Air Inlet I Silva Toll Butts Joss Wolfowitz Robin Pharma Mehta Barnett DON
Stocks sink, bonds soar as fears spread virus will stunt economy; S&P 500 sinks 2%, 10-year Treasury yield at record low

Rush Limbaugh

00:40 sec | 2 years ago

Stocks sink, bonds soar as fears spread virus will stunt economy; S&P 500 sinks 2%, 10-year Treasury yield at record low

"U. S. stocks are again sharply lower near mid session as investors continue to grow more skeptical about health officials ability to contain the corona virus before it hurts the global economy the Dow industrials are down four hundred sixty four points the nasdaq composite had skidded one hundred thirty one the S. and P. five hundred is down fifty two with investors running for cover in connection with fears about global pandemic that would hurt the global economy bond fears or bond prices rather continue to rise treasury yields move inversely to prices at today the yield on the benchmark ten year note dropped to one point three two percent a record low the yield on the thirty year treasury bond also hit a new low a bit below one point eight

What will a new CEO do for 3D printing company Stratasys?

3D Printing Today

02:47 min | 2 years ago

What will a new CEO do for 3D printing company Stratasys?

"The news is there's a new. CEO It strategists. I wonder if it will make much difference as to what's going on. Their stock is up two point. Three two percent as we record word at one thing about strategists you know we we like to Moan and Groan about how their Their desktop hobby level three deep renters have kind of fallen by the wayside. They haven't done anything innovative new or worth buying At that market level for quite awhile the the maker Bot method which came out last year is basically a replacement for the MOJO. Which means it's not really for the hobby the market it's for the professional market? The folks who just want to push the button and walk away and get work done a high quality. FDM Printer but just enough damn printer and it's primarily ABS. So it means it's got a heat soak the product. It's gotTA use their filament. Not Something I would recommend. You know I'm I'm employed at a big tech company now and they come to me for consulting on Three D. Printing and they've been asking me what printers should we buy next six year. We've got all this money. We'd like to a couple of FDA machines for clients who come in and need quick parts and the last printer on their list was the maker Bot method. There are a bunch on their list that I deleted right away also maker. Bot method wasn't even on the list unfortunately for them the the stratus is this part of the company. Though is still a really strong company from a technical standpoint. I'd say their their biggest problem is the cost of ownership of one of these systems is pretty high not and they're not FDM they're they're polly jet systems are really probably the the top of the three reprinting world right now but an object printed with one of these systems. It's values quite high. So you really can't use them for any form of production I'm there purely for prototypical kinds of thing very specialized high end one off medical production arte art at work and it's only going to be used once Because the cost of these items make them way too expensive for production use so from that perspective. They're not going to be on the growth part of the market. Unfortunately and I think that's a problem and I think they need to figure that out cost of ownership Russian must go way down to bring the systems like the object into the production world. So we'll see we'll see what this fellow does on. He's he's got a PhD in economics. So he should be add up his spreadsheet there we'll see what

CEO FDA
Year in Stocks Ending Just Like It Began, in Straight-Up Bliss

Bloomberg Businessweek

00:58 sec | 2 years ago

Year in Stocks Ending Just Like It Began, in Straight-Up Bliss

"All day on Wall Street folks from the warrior don foundation ringing the closing bell as we wrap up December and the twenty nineteen and it is on to the trading year of twenty twenty and a new decade S. and P. five hundred rattling twenty nine percent in the year for the best annual gain since twenty thirteen nasdaq one hundred surging thirty eight percent and twenty nineteen for the best gain in ten years U. S. stocks higher across the board end of your trading with the S. and P. picking up nine points to end the year at thirty two thirty up three tenths of one percent for the year that was a gain of twenty eight point eight six percent the Dow up seventy two points at the close up three tenths of one percent is here today game twenty two point three two percent nasdaq are by twenty six points up by three tenths of one percent again the Dow the S. and P. and nasdaq all advancing ending the day at or near best levels of the

Twenty Twenty
"three two percent" Discussed on WTMJ 620

WTMJ 620

05:17 min | 2 years ago

"three two percent" Discussed on WTMJ 620

"Chance of snow we may have to shovel on Saturdays as brain is Nancy check the cloudy high otherwise thirty three walkie shot eighteen at seventeen in Milwaukee at W. T. M. J. morning news final W. T. M. J. this is what the American people by the end of the day most of the back well most of the members of the media bag and go somewhere else we go to the end of the day you case in my president trump violated his oath to the American people places own private interests ahead of our national security and the integrity of our elections and constitutes a continuing threat to the integrity of our elections and to our democratic system of government Republican Doug Collins Democrat Jerry Nadler having one thing in common Monday membership on the house Judiciary Committee otherwise their points of view widely different during the words impeachment hearings articles two of them supposedly be announced at the top of the hour today in DC just the fourth time in US history that's happened joining us live with the latest is ABC's Erica to risky the morning here in well good morning gene the steel articles of impeachment our instruction of Congress and abuse of power and that's where Democrats are going to start and debate those articles after their formally announced in about a half hour by that if you are an intelligent Adam Schiff and Jerry Nadler and this team to settle where the Democrats want to frame the impeachment there's been a real debate internally keen about whether to include conduct related to the Russia investigation but a lot of Democrats not that just would have been too confusing so they believe they presented a clear cut case of abuse of power the president asked the Ukrainian president for a favor in why did your cranium it well the election and that they say is something the framers had in mind when they included in the constitution also yesterday Aaron of the justice department's inspector general came out with his report that found that the FBI was justified in opening up that investigation into possible Russian activities in the twenty sixteen election and then it settled a long running pushed by the president of the allies that the the Russia investigation look over the glee club from the start the inspector general over five hundred pages offered a rather nuanced assessment saying that the there were some FBI agents who were careless and and made mistakes and in fact some serious error and and the the B. I G. question whether the proper protocols were were always followed but when it came to actually initiating the investigation the decision founder no political bias no improper motive and and and an actual investigative a legitimate investigative purpose ABC's enters the joining us live on WTMJ is these articles are about to be revealed we've got the Democrats saying no doubt this happen that's what we're gonna do this on the other side of the aisle you have Republicans who don't necessarily deny what went on between the president and Ukraine there you she was more with the process that's been consistent throughout this and it has but that's about to change gene we think that the the the the White House is going to mount an affirmative defense of the president that may include complaints about the process but a more affirmative defense of the president on duck once things move into friendlier her in the Republican controlled Senate both the White House until now has said that they didn't want to generalize what was going on in the democratic controlled house be that as it may you know the White House believes it has been argued that that there are explanations for how the president behave better not area the way Democrats ABC's Erin to Turkey covering the impeachment proceedings top of the hour we expect the articles two of them to be revealed at a news conference here in thank you so much seven twenty six W. T. M. J. we're keeping an eye on the hill interchange were a semi rolled over about an hour or so ago blocking at least one lane and causing what shall we say a few severe tie ups to say the least if you're commuting this morning try to avoid the hill interchange if you can to be less you will have the latest at the bottom of the hour time now for news about your money here's bread at one with the W. T. M. J. tricking associates market update U. S. stocks fell yesterday after economic data showed a sharp decline in Chinese exports to the US the Dow Jones industrial average traded one hundred five points lower the S. and P. five hundred was down point three two percent and the nasdaq composite fell point four percent and with less than a week to go before Washington is set to impose more tariffs on Chinese goods investors focused yesterday and the prospect of a trade agreement between the US and China transistors minister said yesterday the country hopes to make a deal with the U. S. as soon as possible the comment came after data show that Chinese exports fell for the fourth straight month in November potentially increasing pressure on China to make a deal the federal reserve's federal open market committee starts a three day policy meeting today mark it's widely expect the central bank to hold interest rates steady at the conclusion of the meeting tomorrow after cutting rates for three straight times this year for drinking associate side brand Allen financial adviser for newsradio WTMJ a when you're in the business.

Nancy seven twenty six W three two percent four percent three day
"three two percent" Discussed on Bloomberg Radio New York

Bloomberg Radio New York

06:04 min | 2 years ago

"three two percent" Discussed on Bloomberg Radio New York

"Just a quick headline before the internet yes we work. officer Chris hill is said to depart the company that's according to Bloomberg news he's been all over this we work for so I can call out of the box you could do a quick look what's the section in the after market like oh yeah right that's right public yet not till next year exact but let's turn to a company that is public doing well got some new products John field Lee is the chief executive officer of Celsius holdings base down in Boca Raton Florida nice place to be this time of year still warm before we talk about your industry though I just think it's been a fascinating week couple weeks couple months in terms of the IPO market and companies going public giving you guys have been public for awhile now what do you make of kind of the push back that we're seeing on some of the stocks in companies that are trying to to make a go of it in the in the public market yeah I know it's a good question I mean when you look at what's happening out there in the environment right now private sector versus public companies the valuations do seem to be off with the private private the public says sectors valuing some of these entities out multiples do seem to be getting a little bit higher on the private side you guys possible when you went public we have no we were not we had we were not right now over the last two years we have been driving a positive adjusted EBITDA positive growth and very disciplined approach to the market place so you know we are one of those unique companies out there on the early stage of consumer products driving seventy two percent growth rates and in the second quarter of this year two thousand nineteen seen good momentum and also traction with solid evil to growth and gross profit margins all right so let's talk about this product you buy to submit stuff tries he simply tried in the morning because we want to be when the living fit as you say with that high energy in the morning maybe not it's work ending the day or at least getting close to ending the day Celsius you're sort of going after the energy market which is a booming when the energy drink market here to take. absolutely and I think you know you look at impossible meets the disruption that's happening in food and beverage in general health and wellness is here to stay these trends are here it's not only just wrapping you know the energy drink category you're seeing it every single segment I mean some of the larger CBG national companies are Hector portfolios ring transition target this health minded consumer you see you don't know about the sugary sodas sparkling waters and functional waters and what happened in that category the next category under disruption is the energy category and it's happening now and Celsius is on the forefront of that I have to say that you you know brought in some Kansas never looking and I think both of us turned around we want to see what was in this in the in the ingredients what exactly is in it it's got class seven essential vitamins a it's a green tea karana ginger it's thermogenic tastes great it's healthy functional energy and also you get no jitters and no crash from it so that's one great benefit that a lot of consumers say like wow this is a you know a great energy drink I don't get jitters I get sustained energy no crash let's talk about this proprietary blend right is this is is this what you folks are saying this kind of differentiate yourself in the market place it is it's pointing differentiation we bring not only healthy functional energy to category remains functional energy as well it actually is a thermogenic burns calories and body fat you get a nice elevation on it all back by six clinical studies done a sports nutrition journals and the product is really been born in vitamin specialty the gyms to health clubs vitamin Shoppe in GNC and due to the health and wellness trends in the category we're now making the migration to match retail for the first time we just got authorize nationally at target CVS rite aid and also seven eleven as well and doing extremely well ten calories ten calories are in the can and actually consuming the product turns on thermogenesis in the body that Bushire metabolic rate burning those calories and body fat so when the guy also notices you guys you're going on a bit of a tour and it feels like this is the sort of product that. you obviously want good distribution but part of what you're going to need to do is get like minded people I think even about like what Michelob ultra has done in marketing to this bitter cold court as it were it would feel like sort of getting the the broader quote unquote community by and is key here right absolutely and that its community by an it increases your distribution the marketplace supports our retail partners and what we did we just launched a Celsius lifted tour which is launching over fourteen cities we want to right here in New York City two weeks ago in Union Square it brings sampling to the next level we're tying in with other brands that tight with light Celsius health and wellness board marine influencers ambassadors and having really fitness activities in tying into that healthy active lifestyle I feel so much a part of this is got twenty seconds I mean is marketing I mean what's the market spent or what do you would have to spend to really kind of get it out to the mass public to quickly we're growing this business profitably we're very aligned with that driving over fifty forty three two percent Chris profits positive even a growth plowing or top line revenue grows back into the March sales marketing as we reach the inflection point in all right your turn a good story we like a giant field plea is chief executive officer of Celsius holdings their drink it's called Celsius check it out you're listening to Bloomberg businessweek right here on Bloomberg radio as a check of all the national headlines about moon we got Phil thank you the claim from president trump and his Republican supporters on Capitol Hill is a familiar one it's a fake story they are being specific on what to think about it president trump spoke to reporters as he returned to Washington from New York today well the house intelligence committee opened its first impeachment hearing into the president's alleged self dealing with Ukraine's leader he unloaded on the Democrats. Adam here for this group making up stories in sitting there like hi is whatever you wanna call images there really is a disgrace the message was the same from Crump defender Devin.

Bloomberg officer Chris hill Adam Crump Devin ten calories fifty forty three two percent seventy two percent twenty seconds two weeks two years
"three two percent" Discussed on Absurd Hypotheticals

Absurd Hypotheticals

04:19 min | 3 years ago

"three two percent" Discussed on Absurd Hypotheticals

"Trying to think of the obvious thing. I wish for a bigger robot. I wish robot was gone. I wish your robot was a tree. There's there's lots of very obvious. Even dummy wishes so they did have sort of a short fight Kinda. You can't really call the fight but like a standoff breath and Jimmy pulled his freeze ray and try to shoot at him to necessarily work. I think he blocked it with his watch or something I don't know what but and then he wished for burp gun as retaliation from certain sixty percent of signed me hi. I'm willing to go to fifty percent. We we can say it. I think it's more I think it's I think it's sixty. I would say fifty five. I don't think I'm gonNA say fifty percent. I think it's more than half fifty two percent the negotiations yes fine. I'm fine at fifty to fifty to talk fifty two. It is all right so that leaves that leaves now. We're in the Senate now fast forward for slightly so now is you know either has made very very bad wishes that have been very ineffective and has got beaten down by. I guess Jimmy Adventures Vader's <unk> does it. How does he have an attack. I mean he s Mac he has. He's calling like big later a couple of times but I mean the MAC is probably the biggest thing some variety of Mac. He has until probably the big one as himself not much laser gun or something. I imagine you so I really Roy. I thought he did at some point but I couldn't find a mention of it on the WIKKI. <hes> so you guys got forty eight percent between you. What do you feel I. I mean I mean Jimmy is at least twice as likely to win them so I think that the ceiling present is sixteen percent but sixteen percent doesn't feel all that far off all things considered. I hate that so you're saying that way so fifty to fifty to thirty two sixteen oh when we were saying fifty two. I thought you meant fifty to if it's just timmy versus Jimmy than I think Ben makes the point that we know each other and would be very wary of each other. I think we would start the fight with each other plus. Yeah invaders. There's in disguise of course is also true not a great guy. I think it's a fair point to say that our fight would be first right yeah. That's what I'm saying. I thought that I was I was thinking the fifty two percent is you beat me and I have a V forty percent of beating you yeah so. I guess it's forty percent so I think it's it's fifty percent chance <unk>. I win with witches then the remaining percent. Which majority of that is you beating me is. I'm either hypnotized by one of you more likely to be you or you have got to make a wish so there's forty eight percent of you and invader. Zim Still Alive some portion of that is invader Zim getting the chain hypnosis or direct hypnosis assist. What percentages did you say Ben. I said three two percent and sixteen percent because it's nice and even thirty two and sixteen. I feel like it's lower or than that for you. I mean do you have that. I don't have other than the pimple which I kind of have with by Hypno- gun so I think I think a lot of it is the instincts of the two characters are you are murderous and you would be curious which dangerous with a hypnotic pimple but I'm much smarter than You well yeah. That's fair doesn't help you hypnotize right and he has fought aliens before he has experienced fighting aliens. It's not his first time seeing Malian. That's fair. That was the the movie his first appearance. He was fighting aliens. <hes> that is a good point actually so twelve thirty to twelve thirty eight where where thirty six we're good at it find. I feel I feel like they're attach. We are these two specific percentages like oh no no. I'm not going to be at least thirty five. There isn't that big of a there shouldn't be that big of a gap between Timmy and Jimmy. I think I think it is. I think think that gap is bigger than you're giving a credit for like. Jimmy does a lot of different things and he's smart. All these things like in the normal scale of like I made a a cool robot that works mostly. I make a cool hover skateboard. I made a cool this or that. They're all like manageable and like less powerful than the magic. The thing too is that it is it is the.

Jimmy Adventures Vader Ben Timmy Senate Mac Zim sixteen percent fifty percent forty eight percent fifty two percent forty percent three two percent sixty percent
"three two percent" Discussed on AM 970 The Answer

AM 970 The Answer

04:21 min | 3 years ago

"three two percent" Discussed on AM 970 The Answer

"And the and value you lie to refinance it if you're gonna buy a house you're gonna do it right now it is the best Bob home buying environment in the last twenty years because that the sellers it's softening there's not as much demand because there's not as much overseas money coming in so sellers are a little bit edgy emotional of an Amazon land boy am I glad I got the northern Virginia before Amazon showed up but enter anti dot com are you calling to triple a triple a Levin seventy two there were Sierra Pacific mortgage which means they lend you the money themselves their company lend you the money and del Rey in time to make you know not running a call center they are running a lending center so they talk to you they get your information they tell you the straight up refinance buy you might be interested in helping your son or daughter get into a house here grandson your granddaughter becoming co borrowing on occupying customer Evander into dot com yesterday the Dow was up ninety nine points but the nasdaq was down seven mix market listen PF bear seven points but everything is going this morning SMBs up a percent twenty points out nasdaq is about one point three two percent ninety nine points the Dow up two hundred fifty two points today that bad day on Wednesday a good day on Tuesday a good day yes there have a great day today global stocks followed the US market higher I think it's the Greenland affect I think the world is with us make Greenland great again agreement part of America New York will be the new capital of Greenland president trump reported in The New York Times trumpets said ask can we buy Greenland the answer is yes Denmark I sell to us bad news for your work not with that song bad news on the doorstep I couldn't take one more step the it said Paul Simon song I think bad news on the doorstep I couldn't take one more step I don't know if I live or die when I well it's an American pie don McLean yeah yeah they don't work as bad news on the doorstep he has officially restarted his campaign when do you stop it I don't know but what does that mean when the headline says better or work restarts campaign don't know why you don't need to read the rest of the story because after the Paso shooting he was living on cable news politicizing it in campaigning based off of it so if that's how the story starts you don't need to read any further if your car stalls out the NASCAR race I mean just stalls out and they go thirty laps without yeah and you restart your car what's that mean you know when no I mean you're just kind of going around the infield just just mountain up lapses this did your did your like that because it is car stalled out a long time ago and Beto restarts his campaign I love that headline Beto restart this campaign that is the equivalent of can you come in and see me I have some news for you it's when your doctor calls and says can you get in there right away all of us have been there another Joe Biden bad news story The New York Times headline Obama in Biden's relationship looks rosy it wasn't always that simple you know what they're beginning to do is explain the Joe Biden and Brock Obama really didn't like each other well you saw he saw the everyone yesterday that Biden allies the headline Biden's allies are suggesting he go to bed earlier at night that's not a good sign when they do get more sleep meanwhile Donald Trump breaks all the records in New Hampshire I've two more cups of Donald Trump he actually is figured out the Democrats are so radical all we have to talk about how radical they are and how great his record is it Donald Trump says look we're going to take care of you folks with pre existing conditions he knows what the vulnerability is the Democrats are lying about wanting to just lying the Republicans are not going to change healthcare to take away coverage for people with pre existing conditions Donald Trump in Manchester rally drive that point home cut number twenty six delivery place what is going to happen.

Bob three two percent twenty years
"three two percent" Discussed on Biz Talk Radio

Biz Talk Radio

02:46 min | 3 years ago

"three two percent" Discussed on Biz Talk Radio

"Financial engines as study with a on Hugh it they look a defined contribution plan participants between two thousand six and two thousand twelve they found thirty point three percent of those electing to receive some sort of help with their retirement plan on average earned three point three two percent more per year three point three to Ruth that's that's beyond what they that that that's the extra process either they earned three point three two percent that is the extra that on average there yeah and there's more I I really can't get into all this because as I said I wrote like twenty six pages in the book on this stuff what the people want it all converted into an ebook I don't see why not I mean if you proofread it form well you have no you're the editor well I'm the editor but do you have a punctuation and run on sentences you why I grew up in South Philadelphia no tie and family we don't pause there no pauses at a common sense and so we are taught in the air that's what I mean so you'll you'll go on for you know I I I divide one sense into for some time because that's how you're talking you're moving thank you comma John dean comma four yeah it's nice to have you done to ensure dash semi colon it is the way that I write I I I look when I sit down and write I know you just crisis and crank it out yeah and then you know my mom my wife gets mad at me because I'll end up proof reading and in proofreading improving it's better if you never actuation I should and never looked back give you anything that you wrote or that whatever and even if you're satisfied center present perfect in my hand it back to you you're gonna make change now it's true that is true so if you'd like to get a copy of this folks sending email gunnery Lucia dot com and I will pass that along to Johnny dean who will be the fulfillment house for the Philadelphia book don't work in charge for this or we not yet we'll get it in dark hundred first hundred copies are free how's that yeah well I because we would have they would have any printing cost is in the books so it's easy to do yeah but I was a little profit here why don't you make twenty five Bucks to be twenty five hundred dollars it's free it's free maybe the first hundred I will say that all right so email you it ray Lucia dot com maybe I can start a multi level marketing thing all these people that get it for free they can go out and sell it for ten Bucks and split it with me five five each yeah the old the the what was that I am way model the very came online yeah why not how do we have any emails I do okay.

Hugh three two percent twenty five hundred dollars three percent
"three two percent" Discussed on Biz Talk Radio

Biz Talk Radio

03:39 min | 3 years ago

"three two percent" Discussed on Biz Talk Radio

"The household their big bad hello hello hello i was just getting this from barons marins you and barons ever relationship they send me stuff all the time all kinds of junk mail oh i thought you were talking about donald trump's kids now barren barons barons is that his kids name i think so oh man all right anyway i was looking at the ten year and it was one point nine eight was the last time i look just like you know half hour ago so it's gotta be right around there as of the end of twenty eight teen which wasn't that long ago six months ago ten wall street strategists predicted where the yield on the ten year treasury note would be that i read this morning yeah finishes as the end of twenty nine thousand nine which was a year later all ten four cats at an increase with permits actual yield at the time which was two point six eight what's predictions ranging from a low of two point seven five two high of three point six yeah i saw i saw an average at the beginning of this year there was another one that said by the end of june it would be three point three two percent yeah yeah i believe it three point two percent well because if it was two point six eight at the end of the year it had come down from his three point three and a quarter so yeah so so they figured this is the bottom yeah so we're going to go back up the end of the year was going to be two point seven five to three point six which i don't know how they would have gotten that but as one point nine eight the yield on the ten year german government bond mooned boone feld to a record low negative point three two percent On June eighteenth. So you have to pay Angola Merckel. You are. interminable you're guaranteed to take a loss right if you hold the bun to maturity so they want you to get rid of that baby i want to get rid of merckel you don't like her Particularly like her. What's wrong with her? I think she's kind of cool on the German people. You know, me, I got married. That's true. I hadn't thought of that. Mary, one verse. Kidding. I'm not even going to step into that, gene. you know it's funny you bring that up because it's one of the things i did want to talk about because i was reading this study from one i dunno nationwide advisory solutions i think it was why you can't trust i made this headline up by the why why you can't trust yourself or your advisers instincts when it comes to the market predictions or what you think the market might do next i can see what you can't trust yourself i kind of have to trust either myself or my advisor so if you're telling me i can't trust either instincts i know i know when they're when they're as opposed to strategy yeah when they're putting their finger up in the air and seeing which way the wind is blowing obviously they're basing that on their own instinct yeah you're right and they follow the her just as bad as you and i might follow the her that's the problem that is so many of them do unfortunate but michael fisher wrote about this let's give it a shot sit back folks relax this is the ray program What would you say investor in visor optimism? fell at the beginning of this year for the first time in four here so certainly right.

Angola Merckel Mary donald trump boone feld advisor michael fisher ten year three two percent two percent six months
"three two percent" Discussed on KOMO

KOMO

01:35 min | 3 years ago

"three two percent" Discussed on KOMO

"Guy I knew doesn't I, I didn't know this was him. I don't believe his stance on abortion, for example, the Dino line. No, I think he probably needed get a few people abortions. I don't know what he's doing. It is really unthinkable to me about what's going on in the country right now. You're listening to KOMO news. Money at twenty and fifty past the hour on KOMO news, now it's time for the propel insurance money update. The prospect of protracted trait Warwick, China's since stocks reeling this week, despite a small Friday rally, the Dow dropped one hundred seventy nine points to twenty five five eighty five while the s&p total market declined. Thirty six points and the s&p five hundred gave up thirty three points to close the week at twenty eight twenty six those losses pale though against the NASDAQ's more than two percent drop to seventy six thirty eight the fear of a weakening global economy, sent oil prices, plunging, three dollars and seventy four cents a barrel to fifty nine dollars and two cents. That's about a five percent loss and all that money had to go somewhere with traders taking refuge in US treasuries. The tenure T note yield fell from two point four percent mid week to just over two point three two percent on Friday, US traders and investors, get an extra day to relax as markets are closed for Monday's Memorial Day holiday. I'm Don McDonald. Komo news. This is an important. My doctor said, I have repetitive pull syndrome, or our PS. It's from struggling to start my more all that pulling in and pulling then he prescribed a Toro. They're guaranteed to start on the first or second pool. I'm cured Toro count.

KOMO US Dino line Don McDonald Warwick China fifty nine dollars three two percent three dollars five percent four percent two percent
"three two percent" Discussed on NewsRadio KFBK

NewsRadio KFBK

01:53 min | 3 years ago

"three two percent" Discussed on NewsRadio KFBK

"Losing streak going back to twenty eleven as the US China trade war continues to weigh on markets. But today, the president did say that the trade war could be over quickly, even though no new meeting scheduled at least not as far as we know and that helped lift stocks a little bit today but still a down week final numbers. Dow down ninety five excuse me, Dow up ninety five at twenty five five eighty five NASDAQ was up eight at seventy six thirty seven the SNP up four at twenty eight twenty six gold to twelve Eighty-three announce tenure Bundy two point three two percent. Kiddies litter brought to you by halls window center. So he was there from the start, but Adam LeVine is leaving. Pumped up version of the voice. Yeah. All right. Well, if you watch that show with any regularity, you might have noticed in veins demeanor changed just stole a little bit. Well, he didn't have any contestants at the end of this particular season. I heard from friends who've gone to see that show taping that he's not very friendly with the audience when he's, you know, TV anyway. So what happened was. They have to attend something these, the judges will allow people not business. They, they go to something where they go in front of a lot of the advertisers. It's called an upfront presentation. And apparently he just did not want to be there. In fact, some people said that he was kind of rude, and an NBC insider said it was a new low his behavior. Oh, the co-chairman of NBC entertainment says he wasn't happy was embarrassed and furious that Adam LeVine would be so in diff-. In front of the very people advertisers, who.

Adam LeVine US SNP NBC entertainment president co-chairman NBC Bundy China three two percent
"three two percent" Discussed on NewsRadio KFBK

NewsRadio KFBK

01:54 min | 3 years ago

"three two percent" Discussed on NewsRadio KFBK

"Streak going back to twenty eleven as the US China trade war continues to weigh on markets. But today, the president did say that the trade war could be over quickly. Even though no new meeting scheduled at least, not as far as we know and that helped lift stocks a little bit today but still a down week final numbers. Dow down ninety five excuse me, Dow up ninety five at twenty five five eighty five NASDAQ was up eight at seventy six thirty seven the SNP up four at twenty eight twenty six gold to twelve eighty three announce Ted Bundy two point three two percent. Thank you, Kelly. It's four twenty three for the second time since November of federal judge is blocking Mississippi. Lawmakers attempts to restrict abortion. The judge issued a preliminary injunction against the state's heartbeat abortion Bill that law banned abortions, once a fetal heartbeat was heard which in some cases could come as early as the sixth week of pregnancy. Other states have passed similar laws. President Trump is declaring an emergency to bypass congress and ship arms to Saudi Arabia, and the United Arab Emirates, the move is likely to anger members from both parties in congress who are still upset at the Trump administer. Nations response to the murder of Washington, Post journalists, Schimmel kashogi and sorry. I need just a moment here here computers. Always do. To do for the president told an appeals court today, the Trump is challenging a federal judges, refusal to block congressional subpoenas seeking financial records a US district judge ruled earlier this week that Trump and company were unlikely to succeed in a lawsuit arguing that the demands for records from Deutsche Bank and Capital One. We're unlawful and unconstitutional. The judge also concluded that those subpoenas having legitimate legislative purpose. The ruling came shortly after a federal judge in Washington ruled against the president in a.

President Trump president US Trump congress Ted Bundy Washington SNP Mississippi Saudi Arabia Schimmel kashogi United Arab Emirates Kelly murder China Capital One Deutsche Bank three two percent
"three two percent" Discussed on KLIF 570 AM

KLIF 570 AM

03:17 min | 3 years ago

"three two percent" Discussed on KLIF 570 AM

"Of course, you're a vegan again, drinking CHAI. Lecturing everybody on white privilege and racism. And the cycle continues. There's another addiction in this country, which is an addiction to lies the lie of white privilege. What a convenient way to hate white people. What a convenient brilliant way to attack an entire race through racism and call yourself, purer and holier than thou. But getting back to the issue of the top eight countries consuming illegal drugs. The number one nation that uses drugs is rolling the drums in your head. I ran that's right holier-than-thou Iran strict misled Muslim misled Muslim Muslim strictly Muslim, Iran holier than everybody with the mullah's running everything those pure Muller's. You know, how good they are. Don't you? Suffers one of the highest opioid drug addiction rates in the world. Fourteen point three percent per capita use heroin, even though it's an oppressive religious government, even though Islam is allegedly against drug use. Isn't it odd that I ran at the top of the is at the top of the list and that the country's drug of choice or opiates? How is that possible? I thought the mullah's was so from I thought that was so pure I thought that was so clean. I thought the mollahs was so great as role models highest highest highest highest top of the list of countries consuming illegal drugs, fourteen point three two percent, use heroin. Why how is that even possible why because Iran's location in the Persian Gulf? Is an important transshipment point. For southeast Asian heroin on its way to European markets. Just remember the French connection. But. Heroin is not the only problem in Iran. Drugs are also being brought in by the trainload into a from Afghanistan. Mainly opium. Oh, you didn't know opium was grown in Afghanistan. That you know, that's why only American boys were dying there to keep the old trail open. Make sure that you're come on that's absurd conspiracy theory. I know that all these boys are not sent either sent their for freedom. The boys are sent there to be butchered for freedom. What if it turns out with just the hash enforce that's being sent in to make sure the drug ski flowing because the odd part about that one. And I'm almost reluctant to say it because it makes me very nervous to say the Taliban oppose the growth of poppies. Did you know that? Oh, yeah. Yeah. Yeah. We want them to have the freedom to drop the grow poppies. How does that figure out? So I ran sufferers sufferers one of the highest opiate addiction rates in the world. They also have a big problem with synthetic drugs. And and by the way, this is an odd one. Even though there's a strict penalty in the Islamic Republic of Iran. They regularly enforce the death penalty for drug offenses. And yet they have one of the highest rates of drug use in the world. So I'm not so sure the death penalty would even work. Be right back..

heroin Iran Islamic Republic of Iran Afghanistan Taliban opium Muller three two percent three percent
"three two percent" Discussed on Biz Talk Radio

Biz Talk Radio

04:11 min | 3 years ago

"three two percent" Discussed on Biz Talk Radio

"For long-term bonds twenty seven point five six percent for the fixed indexed annuity in every category. It's either equal to or better than and you know, these stats include that big long thirty year bull run. If you wanna call for for bonds where we saw interest rates go from the early eighties from the teens down to almost nothing. Yup. Show me why analysts that thinks bonds will do five point three two percent going forward for the next thirty years. I don't know of one who actually believed that government bonds government bonds mind, you these are guaranteed. We'll average five point three two percent. The thirty years in the threes right now. That'd be pretty big interest rate hike, and then all of the bond that you own the day would lose substantially remember about duration on a long bond is significantly more than say a corporate bond at five or six in order for do that on the long side. They would have to jump up pretty darn quickly. And then stay there for the next thirty years if they jump up pretty darn quickly. We've got other problems, and I don't think that that's going to happen. Most guys, including the now retired Bill Gross said, I think it was Bill Gross at it. You're likely to get a rate of return on bonds equal to the coupon. Whatever the coupon is today is what you're likely gonna earn. So there you have it three three and a half percent. Maybe that's the bogey. You mean? Seller. Not hold the bond the bond fund. We're talking about a bond fund. You're probably going to earn. Whatever the stated coupon. That's in the three to four percent range for most government long government bond. All right. Let me let me give you one more objection that they had against annuities, and you can comment on this to advisors said many clients are converting money to Roth IRA's or taking retirement account. Distributions to reduce future taxation, building an additional pool of deferred income makes little sense for these people or others in modest tax brackets, even high income clients can be bit by the tax bug. If they're not careful when they take the money out, the deferred income comes out I and his tax Bill, ordinary income rates. In other words, they've been trying to get rid of the taxable income at ordinary income rates by paying taxes now doing Roth conversions or whatever. So why in the world where they want later on deferred income, guaranteed income that's taxed at ordinary income rates the way with this whole life. Oh treatment. Okay. Get. So here's here's what's interesting about that. This fellow obviously has no clue what in the age he's talking about. Because in order to do a Roth conversion in advance. What you got to do you've got to pay tax, ordinary income taxes? Now in an annuity a non-qualified annuity. You have the ability to defer those taxes, so he's griping about having to defer taxes and then paying ordinary income later. However, remember with an annuity? You don't have to do the life. Bo treatment, you can annuities that over a certain number of years. And remember we've talked about having different silos of taxable income one of the nice things about annuities is when you annuities them a portion of the payment is tax free. Because it's. A recovery of your principal. The balance of the payment is taxable at ordinary income. He's making the assumption that all of the money's coming out tax, ordinary income which would be true if you did a withdrawal and didn't do an annuity. However, he's not factoring in that. Once you did pay all the taxes all tax tax free. So it's it's just somebody that is obviously biased because they don't make money every single year somebody that sells a life nudity. Probably earns three percent. I'm thinking is the commission on selling.

Bill Gross Roth IRA principal thirty years three two percent five six percent three percent four percent thirty year
"three two percent" Discussed on KDWN 720AM

KDWN 720AM

05:49 min | 3 years ago

"three two percent" Discussed on KDWN 720AM

"Out paced the performance of bonds over a ninety year track record pretty good now. So he went in and gave us the actual numbers. Right, please. The annualized return for stocks from nineteen twenty seven to two thousand sixteen was nine point nine. Two percent. With a standard deviation. That's the volatility if you will of about twenty so the higher the standard deviation the higher the volatility higher the risk and volatility, right? The minimum the minimum three-year return was a minus twenty seven for stocks with a maximum may plus thirty point six pretty good the term bonds. The annualized return was five point three two percent. The standard deviation was just under ten the minimum annualized three year return was minus two point three two percent. And the maximum was twenty three percent. So let's. Yeah. With the fixed index to nudity long-term bonds five point three two percent fixed index annuity five point eight one percent. So about a half a percent per year better in terms of performance next standard deviation. Nine point nine seven compared to ten ten for essentially the same annuity is ten. Yeah. Minimum three year return, minus two point three percent fixed index annuity can't lose zero. So there's no loss and the maximum annualized three year return twenty three point three percent for term bonds twenty seven point five six percent for the fixed index annuity in every category. It's either equal to or better than and you know, these stats include that big long thirty year bull run. If you wanna call for for bonds, where we saw interest rates go from the early eighties from the you know, the teams down to almost nothing. You have show me what analysts that thinks bonds will do five point three two percent going forward for the next thirty years. I don't know of one who actually believed that government bonds government bonds mind, you these are guaranteed will average five point three two percent. The thirty years in the threes right now. That'd be pretty big interest rate hike, and then all of the bonds that you own today would lose a substantially remember duration on a long bond is significantly more than say a corporate bond at five or six on order for do that on the long side. They would have to jump up pretty darn quickly. And then stay there for the next thirty years if they jump up pretty darn quickly. We've got other problems that I don't think that that's going to happen. Most guys including the now retired Bill Gross said. I think it was Bill Gross. The Senate you're likely to get a rate of return on bonds equal to the coupon. Whatever the coupon is today is what you're likely gonna earn. So there you have it three three and a half percent. Maybe that's the bogey. Not. Sell it or not? Behold, the bond the bond fund we're talking about fighting. Okay. You're talking about a bond fund. You're probably going to earn. Whatever. The stated coupon is that's in the three to four percent range for most government long government bond. Bio let me let me give you one more objection that they had against the new ease, and you can comment on this to advisors said many clients are converting money to Roth IRA's are taking retirement account. Distributions to reduce future taxation, building an additional pool of deferred income makes little sense for these people or others in modest tax brackets, even high income clients can be bit by the tax bug. If they're not careful when they take the money out, the deferred income comes out I and his tax Bill, ordinary income rates. In other words, they've been trying to get rid of the taxable income at ordinary income rates by paying taxes now doing Roth conversions or whatever it is. So why in the world where they want later on deferred income, guaranteed income that's taxed at ordinary income rates the way with this whole life. Oh treatment they get. So here's here. Here's what's interesting about that. This fellow obviously has no clue what in the h he's talking about because in order to do a Roth conversion in advance. What do you got to do you've got to pay tax ordinary income taxes? Now in an annuity a non-qualified annuity. You have the ability to defer those taxes, so he's griping about having to defer taxes and then paying ordinary income later. However, remember with an annuity? You don't have to do the life O treatment you can annuities it over a certain number of years. And remember we've talked about having different silos of taxable income one of the nice things about annuities is when you annuities them a portion of the payment is tax free. Because it's a recovery of your principal. The balance of the. Payment is taxable at ordinary income. He's making the assumption that all of the money's coming out tax at ordinary income, which would be true if you did a withdrawal and didn't do an annuities Asian. However, he's not factoring in that. Once you did pay all the taxes all tax tax free. So it's it's just somebody that is obviously biased because they don't make money every single year. Somebody that sells a life annuity probably earns three percent. I'm thinking is the commission on Sogno has dinner.

Bill Gross Roth IRA Senate Sogno principal three two percent three percent thirty years three year twenty three percent eight one percent five six percent four percent Two percent ninety year thirty year three-year
"three two percent" Discussed on Biz Talk Radio

Biz Talk Radio

01:31 min | 3 years ago

"three two percent" Discussed on Biz Talk Radio

"Rate using the standard and Poor's five hundred that's your generic large-cap equity index using the the S and P five hundred out paced the performance of bonds over a ninety year track record pretty good now. So he went in and gave us the actual numbers. All right, please the annualized return for stocks from nineteen twenty seven to two thousand sixteen was nine point nine. Nine two percent. With a standard deviation. That's the volatility if you will of about twenty so the higher the standard deviation the higher the volatile higher the risk and volatility, right? The minimum the minimum three-year return was a minus twenty seven for stocks with a maximum. I plus thirty point six that's pretty good the long-term bonds. The annualized return was five point three two percent. The standard deviation was just under ten the minimum annualized three year return was minus two point three two percent. And the maximum was twenty three percents. Let's. Yeah. With the fixed index to nudity long-term bonds five point three two percent fixed index annuity five point eight one percent. So about a half a percent per year better in terms of performance next standard deviation nine point nine seven compared to ten ten for essentially the same annuities the tan..

three two percent eight one percent Nine two percent ninety year three year three-year
"three two percent" Discussed on KDOW

KDOW

01:50 min | 3 years ago

"three two percent" Discussed on KDOW

"Can grow this economy at four or five percent. Then today he gets interviewed by Varney his lapdog here. Jabber now watch the listen to this. You all looking at economic growth GDP three percent growth this year you stick into that. I've sticking to that no reason to shift way, but he's shift and Vardi new he's shift and varnish covering form. Varnish should've said, wait a minute. You're saying right now you're gonna drop dropping from five percent to three percent. We got a problem you're shifting. But instead varnish retreat treats it like, oh, this is a new number three percent. Very just coming up with this new number GDP three two percent. He's retired us. He's been telling us now for for for eight much. We're going to be growing in two thousand eight nine hundred ninety five to six percent now all of a sudden he asked why are you going to stick with your three percent? Oh, yeah. Why why why would I? Do anything other than that? Why would I shift? He already shifted. What are you nuts? That's why you stick with charting. If you're going to buy a stock. Stop listening to all this garbage. You stop listening to all their stop listening about trailing PE ratios in price the book prices sales here give you an example, they're talking about fundamental. They're talking about Amazon today the stotka came down because of the spending. Also, not just the slowing. This has been away from the consumer do they have pricing power. I mean, I listen to the buzzwords they're trying to impress you. Pivots. And all this other crap. Listen, listen, listen to this the stock came down because of the spending also not just the slowly this has been a away from the consumer do they have pricing power. I mean does Amazon have pricing power one thing about about Amazon there investing. That's the big concern..

Vardi Amazon Varnish Varney three percent five percent three two percent six percent
"three two percent" Discussed on 860AM The Answer

860AM The Answer

01:50 min | 3 years ago

"three two percent" Discussed on 860AM The Answer

"Could grow this economy at four or five percent. Then today he gets interviewed by Varney his lapdog Chipper Jabber. Now watch the listen to this. You all looking at economic growth GDP three percent growth this year, you stick into that type sticking to that no reason to shift way, but he's shift and Vardi new he's shift and varnish covering form. Varnish should've said, wait a minute. You're saying right now you're gonna drop him from five percent to three percent. We got a problem you're shifting. But instead Barney's retreat treats it like all this new number three percent. Very just coming up with this new number GDP three two percent. He's retired us. He's been tells now for for for eight much we're going to be growing in two thousand eight nine hundred ninety five to six percent now all of a sudden he asked like are you going to stick with your three percent? Oh, yeah. Why why why would I? Do anything other than that? Why would I shift? He already shifted. What are you? That's why you stick with charting. If you're going to buy a stock. Stop listening to all this garbage. You stop listening to all their stop pushing about trailing PE ratios and. Price. The price is healthcare. Give you an example, they're talking about fundamental. They're talking about Amazon today, the stock came down because of the spending also not just the slowly this has been a pivot away from the consumer do they have pricing power. I mean. Listen to the buzzwords trying to impress you. Pivots. And all this other crap. Listen, listen, listen to this is the stock came down because of the spending also not just the slowly this has been away from the consumer do they have pricing power. I mean does Amazon have pricing power one thing about about Amazon there investing. That's the big concern..

Vardi Amazon Varney Barney Varnish three percent five percent three two percent six percent
"three two percent" Discussed on WTMJ 620

WTMJ 620

01:42 min | 3 years ago

"three two percent" Discussed on WTMJ 620

"Know a lot of people are trained enthusiasts around here and growing up in Iowa. My father was a huge train enthusiasts as a young girl. It was a little bit tiring going to different train museum. Say it was like the most exciting thing. But I do know a lot about trains now. It's interesting because my dad to guy, and I did this day always count the cars whenever at a train crossing. I roll the window down. I'd like the sound of the train and stirred event really kind of known for that. That was a really fun. Thank you. Six on WTMJ coming up after the news at the bottom of the hour. It is the weekend review. Eric Bill stats audio week in review. He's got a really good one this week. I think you'll enjoy hearing some of the sounds of what was in the news this past week. We'll do that. After the news coming up here. First before we get there. It's news about your money on this Friday Brad Allen with WTMJ Draken associates market update. The US stocks rose today after potential progress in trading between China and the US the Dow Jones industrial average rose three hundred thirty six points led by gains in Home Depot. United health group, the S and P five hundred one point three two percent. And the NASDAQ composite advanced one point zero three percent, stocks increased the dancer reports that China had offered a six year increase in US imports during recent trade talks, Bloomberg news reported today that the deal would aim to reduce the annual deficit to zero by two thousand twenty four stocks also rose following comments from new York Federal Reserve president John Williams who. Called for patients and good judgement before raising rates, adding he expects strong and healthy economic growth for this year manufacturing data released by the fed. Also shows the sector's biggest gain in ten months in December. Those numbers were boosted by strong production in.

US WTMJ Draken associates China Iowa new York Federal Reserve Eric Bill Brad Allen United health group Bloomberg president Home Depot John Williams zero three percent three two percent ten months six year
"three two percent" Discussed on Biz Talk Radio

Biz Talk Radio

06:08 min | 3 years ago

"three two percent" Discussed on Biz Talk Radio

"Foul common investor behaviors are what hurt us biases, which are built into our DNA recency bias survivorship bias of Finnity drabs loss. Aversion overconfidence herd mentality. Hindsight bias. Two. Further qualify or quantify. This matter. Unquote. From a Financial Engines study that was published back in may of two thousand fourteen with Aon Hewitt. They looked at outcomes for defined contribution retirement plan. Participants between two thousand six and two thousand twelve obviously that includes a pretty wicked great recession. The thirty point three percent of participants who elected to receive some form of help. With their retirement plan on average earned three point three two percent. More per year net of fees. Relative to those not receiving investment help. Ironically that three percent plus net. After fees is consistent with other studies that have been done within the industry from those such as vanguard who boasts being one of the cheapest mutual fund companies out there for the do it yourself investor. You can buy cheap. But if you don't manage your behavior. Cheap. Doesn't matter. People that got scared out of the market. Looking about a thousand point turnaround. In a couple of days. Yeah. I know it go the other way as well. But as I mentioned last hour, and those that didn't have a chance to listen to my last hour in the program. I was quoting from studies that have been done in the past that pretty much said you get a Tanner at twenty or a fifteen percent. Decline in the market over X number of days. A year later you're up substantially three years later and five years later, you're still up and in most instances, you're up more than historical average of the market. That would lead one to believe that. You should be a buyer when this stuff happens, of course, you've got cash on the sidelines could be wrong. You gotta bought in two thousand and eight and got slammed. Over and over again. But doggone it, if you kept buying remember your returns. From the bottom have been nothing short of magnificent brands, the best we've seen since the nineteen thirties. Well, certainly it's hard to compete with what happened after the eighty seven crash. I mean, the nineties were tug on good. So three point three two percent. For a person's got a million dollar portfolio. That's like thirty thousand dollars you leave on the table because you refused to use a decent adviser. Now. I talk about best practices advisors. I'll get more into that. In a moment, I've discussed it many times. But since this is early in two thousand nineteen lot of Jamaica New Year's resolution. To sit down with a knowledgeable best practices financial advisor. And pocket an extra two or three percent per year. Maybe not an absolute returns. Because of that person is charging you one percent to manage money as long as they're doing the financial planning that goes along with it. Hopefully with a competent team of advisers behind the scenes folk you don't have to have the best performance. You're not gonna get it. You will not always achieve the best performance. Because even the best performing money managers have streaks. Right. They don't do so hot. So take the emphasis off of performance and onto your own behavior. Following your financial strategy. Thousands this probably the most damaging behavioral mistake made by real world. Investors is coming to the greed and fear cycle that causes someone to buy into the market at its peak and sell out at its lows. This natural cycle happens. Thusly when markets are doing well investors, get excited and pour more money into the market with the hope that this trend will continue indefinitely. Investors on the sidelines may become jealous of neighbors gains, and may worry that they are missing out per long run up generally leads to market valuations becoming misaligned, and it's reasonable to expect a reversal of fortune with lower returns in the future. Nonetheless, popular culture, will send repeated messages that this time is somehow different. It's a new economy with a new paradigm the old rules, no longer apply. And so on. I mean, you go through optimism thrill euphoria, and then you decline.

Aon Hewitt Financial Engines Tanner advisor Jamaica three percent three two percent thirty thousand dollars fifteen percent million dollar one percent three years five years
CNN's Jim Acosta has White House press badge revoked

The Ray Lucia Show

51:18 min | 3 years ago

CNN's Jim Acosta has White House press badge revoked

"The White House has suspended the right house pass of CNN's Jim Acosta, accusing him of harming an intern who was trying to grab his microwave during a contentious exchange with President Trump accuster responded on. CNN but didn't put my hands on her or touch her as they're alleging. And it's just unfortunate that the the White House is saying this, you know, we all try to be professionals over there. And I think I handled myself professionally in a statement CNN said White House spokeswoman, Sarah Sanders. Right. They said the White House revoked a Costa's press pass in retaliation for his challenging questions during the conference. Jury selection has wrapped up in the New York trial of Mexican drug Lord, Joaquin El Chapo Guzman. The jury of seven women and five men are to hear opening statements next Tuesday, the notoriety of the case has prompted extra security measures that include keeping all of the jurors anonymous. You're listening to USA radio news. Hi, I'm Wayne Allyn root, the conservative warrior my show. Wore now airs every day right here on USA radio from six to nine PM eastern. I'm also the star of the Wayne Allyn root show on Newsmax TV reaching over fifty million homes, but my favorite roles speaker extraordinaire, I was opening speaker at many. Donald Trump for president events, I speak at Republican conservative in college GOP events. And I'm available to be the star your next event. Contact me arranged for a Wayne root keynote speech. Call toll free eight eight eight four four four route. That's eight eight eight. I live alone and rarely have visitors. So when I slipped and fell in the kitchen last month and couldn't get to a phone. I knew I was in trouble. I could barely move. I tried calling for help. But no one could hear me as I lay there. I couldn't help. But think of my kids and grandkids having to go on without me. I was terrified it took eight hours from my neighbor to find me it could have been the end of me. That's when I knew I needed life alert one press this button. I'm connected to the life alert center where I can get the help I need even when I cannot reach a phone with life alert. I'm never alone. Go one eight hundred four one four one thousand nine hundred fifty eight for your free life alert brochure. That's one eight hundred four one four nine thousand nine hundred fifty eight one eight hundred four one four nineteen fifty eight call for your free life alert brochure today at one eight hundred four one four thousand nine hundred fifty eight. This is the Ray Lucia show. The best for the answers here. The one show that helps you make better money moves the program all about your money, your business and your life. Really? Than even. Call right now at eight four four ratio. Four. Why Joe w? This is the Ray Lucia show. Thank you very much. Thank you. Welcome to the one talk show in America. Helps you make better money. Moves Brad have you on board for this hour. Money power. Boy, the headline stocks set Bal another ten percent before finding a bottom. According to the piper Jaffray technician. Stocks due for a recession and a tumble CNBC's are cash. Stating that every decade since the eighteen fifties in the US has had a recession. We haven't had one yet. So it's gonna happen. My advice, you do not obsess over fear of recessions. Wayne, why also last hour I was discussing the seven-year asset class return forecasts by none other than GMO. Jeremy Grantham, the G in GMO also wanna talk about the market what's happening with the market right now because you know, we went from record highs. Everybody's now concerned that we're in the midst of a bear market, which is true, by the way for a lot of the SNP stocks down twenty percent from their high. But I'll get a chance to talk about that. But I wanna start today with the piper Jaffray prognostication. Just over a month ago, the standard and Poor's five hundred. Was setting record highs. According to leave now more than seventy percent of the indexes components isn't a correction or worse. With some high profile names like Twitter, Caterpillar, Ford and AMD deep in bear market territory. So what are you going to do about it? I mean this. This is really amazing to me because people will come out and say, yes, we're the stocks could fall another ten percent. But they sure as h won't tell you when because they don't know. And so what if they do? Another ten percent. When when you're up four hundred percents since the bottom back in March of two thousand and nine what the heck's ten percent. And will we recover along? We'll take for us to recover from another ten percent fall six months a year. I don't know. I do know this that obsessing about recessions, and so forth is not a good thing. You can go a long time without a recession. But art Cashin very highly respected person on Wall Street says that every decade since eighteen fifty we've had one. And since the great recession ended in two thousand nine. Obviously means we haven't had one this decade. But in reality. You can go a lot of years without having a recession. Australia hasn't had one since one thousand nine hundred ninety one according to Ben Carlson. Who's a researcher? And does this kind of research? Could we not? The entering into a period of time where we're not gonna have a recession. I find it highly unlikely to be honest with you in the near term. I don't know anything about the long-term. But I look at the economic numbers right now. An absent some squirrelly stuff with trades and so forth. That you have to hope that the president figures out a way to worm his way out of the pickle. He's gotten him with China now with Russia nuclear treaty and all that stuff. But but so far this dude is figured out. How to do that stuff? He's got the strangest way to negotiate, but it's it's pretty darn effective. So assuming he does and a lot of these companies that are freaking out like, Caterpillar and so forth. Because of tariffs with China at cetera et cetera. That too shall pass. No one ever said making money in the stock market was easy. No one ever said that it was easy. And it's not. But over a long time period you look at the charts. I mean, I'm not charter, it's okay. I hate looking at charts. I think it's a waste of time to look at charts unless you're looking at one like the past thirty or forty years and just put your finger at where it started thirty or forty years ago and put your finger where the other finger from the other hand, I should say where it is today. And you will see a nice line that goes from the bottom left to the top, right? That's what the stock market has done, historically. In between times. There have been some pretty wicked selloffs. I mean, pretty darn wicked selloffs we've had some pretty wicked ones over the last several years as a matter of fact. Since the market bottomed in early two thousand and nine. There have been corrections of minus sixteen percent minus nineteen point four percent. Minus twelve point four percent minus thirteen point three percent. And mine is ten point two percent. That's in the standard and Poor's five hundred and I can assure you every single time. The pundits came out of the woodwork said. Yep. It's over now. Harry dent probably said, Yep. This is the precursor to Dau three thousand. Which he has actually said in the past that the Dow was going to crash the three thousand and instead of crashing to three thousand it's stored the twenty five thousand. I mean. He's a smart guy. No question about it. He's from Harvard, and he's not the only one by the way. I saw Ron Paul the other day on some TV commercial, and he's expecting a whole world to go to heck and a Handbasket and many many many others. But let me repeat since two thousand nine we've seen the market, correct? By sixteen percent. Nineteen percent. Twelve percent thirteen percent and ten percent. So when I read about piper Jaffray prognostication that we're gonna fall another ten. Oh cares. Who cares? If you were smart enough to get out, and then doubly smart to know when to get back in then perhaps you would care, but I don't. All right, shifting gears to the market as I said, Jeremy Grantham produces his seven-year asset class real return forecasts and as of September thirty two thousand eighteen. Here's what he had to say. Now when I say real return that means after inflation. After inflation. US large-cap stocks after inflation. Minus five point two percent per year. For the next seven years. That doesn't look good. Now, I have to also tell you that Mr. Grantham has also been wrong small-cap, stocks, minus two. High quality stocks minus five. Large companies international minus point five small international companies, minus point four emerging markets. Plus three point two percent. So after inflation. Three point two percent. Which means a nominal return about five and a half percent. That's the best. You can do. According to grant them bonds. Don't look any better. US bonds flat for the next seven years. International bonds down minus one point eight emerging market bonds up two point two percent. Cash up one percent. So check this out the emerging markets have how do I say this? Really been sucking fair and wind lately. He had according to Grantham. That's where you should put your money. I'm not suggesting that you do. I am suggesting that your ten to fifteen percent or whatever you've allocated to the emerging markets stock and bond markets, you hang onto even though the emerging market stocks have been. But I'm also suggesting these stay the course with your plan when we come back. We'll talk more about the market where it's been and where it is year to date where it might be going and some ways to build wealth outside of the stock market. Jeremy Grantham is correct around. 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But emerging markets are the only ones. That actually are above water three point two percent. And on the bond side. It looks equally as dismal. International bonds down minus one point eight percent. Emerging market debt up two point two percent. So it's just not looking all that hot. I'm gonna talk about some alternatives here in just a moment. But I thought that I would refresh everyone's memory on where we are year to date. In terms of the market performance. And this could change. Any moment because Marcus have been pretty volatile lately, haven't they? The Dow's up three point seven two percent. The NASDAQ is up seven point seven four percent. The Russell small cap index is flat point three eight percent. And the standard and Poor's five hundred is up four point zero nine percent. Now, if you've got an adviser, and they're charging fees. You're going to have to subtract that that's just from the index itself. Now bonds have been in the tank this year. And I wanna talk about this a little bit later, hopefully an opportunity to do that. But core US bonds are down minus two point four one percent. Long core bonds minus six point four four percent year to date. People buy bonds because they're supposed to be safe. But in a rising interest rate environment and can be nasty corporate bonds. Minus three point three two percent long corporate bonds. Minus six point five five percent. Government bonds, the safest of all. Minus two point two one percent. Intermediate minus one point five eight percent. Long minus six point three five percent. Make alone that the government this year. A long term loan twenty thirty years. You lost six percent mortgage. Bonds minus one point seven seven tips treasury inflation protected securities, minus two point six percent. Knowing that really looks okay and the bond world high yields are up one point six percent. And T-Bills cash basically one point four one percent. So where do you go to build wealth in a market like this? Well, number one is you do not. Bail on your stock market portfolio. But as I have mentioned for years and years and years looking at alternatives to the stock market can make some sense. And alternatives to the bond market as well. Alternatives to the bond market. Could be other forms of debt private debt and so forth. And you gotta look hard for this stuff. You need a very very good financial adviser. You don't have to look quite as hard in the insurance world because insurance companies compete favorably with bonds with certain annuities. We talked yesterday about multi-year, guaranteed annuity contracts. They compete with CDs virtually no risk if you hold until the end and you'll get a better rate of return from most companies, then you'll get from treasuries. Fixed annuities index to new itys variable annuities with guaranteed minimum withdrawal benefits, locking in some kind of a guaranteed income stream in the event the whole world collapses. Those are great ways for you to diversify away from the stock market, but still have the benefits of the stock market. If things do well if they don't do. Well, you're still okay because you locked in a guaranteed income stream for the rest of your life, which will probably translate into a bond like asset, and depending on how long you live. It could be a dog on good bond. But more importantly, it gives you the ability to wait out the storm in the stock market. So what are some of these fresh alternatives to the stock market? Well, we've talked about rental properties and vacation homes. A lot on this show. And there was a company now I forget their name. It'll come to me that evaluated. A lot of these different strategies in terms of how much orders yield street. How much it costs and how hard is it to do? So rental properties, the drop in home ownership rates is obviously led to a rental, boom. But you've got to be very very careful here because some markets you could lose your shorts in. So here's what they said about rental property and vacation homes. The setup is hard. It is got to do your homework time commitment is high. Money required, medium, twenty to one hundred thousand bucks, and the research is on you. Then they went to commercial property. You got to put a lot of money into this money required. Two hundred and fifty thousand time commitment medium setup again hard. Franchises like a subway or Dunkin donuts and all that you can earn ten percent. But it's very very difficult to make that work for you, unless you're the person behind the counter, and even then you're not going to get rich. Now, if you own twenty six Dunkin donuts or Jack in the boxes, you can make a fortune if they all work, but they're not all going to work perfectly. But your time commitment is high. The setup is hard the money required. Big fifty grand for the little Mickey Mouse franchises. And even Dan if you hired a manager you still got to watch over them. If you put fifty grand down, and he made ten percent five thousand bucks a year. I don't know if it's worth the risk. There's peer to peer lending this actually pretty easy to do. Go online, and you can get pretty decent rates of return. Anyway. Some alternatives at least to the stock market. I wouldn't get too crazy here big allocating some of your money to alternatives wise move. My preference is to find a fund that does these types of alternatives for you be willing to pay a fee, and let them do all the hard work. So you can sit back and go to Dunkin donuts. Have a Cup of coffee in about eighteen hundred calories. We'll be back. 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You just have to understand them and understand the role that they play in your portfolio. I mean in an ideal world. You'd figure out how much money you want to spend from your portfolio each year and ladder out some reasonably safe bonds and every year when the bond matures. You'd have the money go spend it and everything's cool. But as we discussed the other day. Most small investors get hosed when they do that. Because of the bid ask spreads and so forth. And you never really know what you're getting until you got it. So hence the bond fund over the years has come to fruition. And for the most part, they're pretty efficient way to buy bonds. In particular, if you're reinvesting all of the dividends, and you have them there for some form of safety. It's not what I would recommend you do with one hundred percent of your fixed income portfolio. But the question I get more than any other one on bonds is why do bond funds lose money. When interest rates are going up. I'm buying them for safety of principle. Well, we haven't had the deal with that much over the past decade or so because interest rates really past thirty years or so because interest rates had been on the decline. So bonds didn't really lose. But so far this year. They're hitting the skids, pretty hard. Pretty hard. Two six percent, depending on what you own. So as I've mentioned many times before there's an inverse relationship between interest rates and bond prices. So as interest rates, go up the value goes down. Let me give you an obtuse example to make the point. Let's say you went to the Bank. And the Bank was paying five percent interest on a CD. So the bond that you went out and searched for at least earn the same five percent or the person go to the Bank. So let's say you decide to put a grand thousand bucks in a bond that pays five percent. So now, you're getting the same interest from the bond as you're getting in the Bank. Now, what would happen to your bond? If the Bank happened to raise interest rates from five percent to say ten percent. You already bought the bond. So you're sitting there earning five percent. But you know, you can walk across the street and get ten percent. In a CD. So if you wanted to sell the bond. Paid five percent you'd have to reduce your price. Because anybody that would buy that bond from you would obviously prefer to go to the Bank and get ten percent rather than paying you par value for the bond and earn five. So the bond that you originally bought for a thousand dollars that pays you fifty bucks a year in interest. Would have to be reduced in price to five hundred dollars. Because a ten percent interest rate on five hundred bucks produces a fifty dollar per year interest payment. So therefore, you would have to reduce the value of your bond by fifty percent. That's what happens in the bond market. Now interest rate Dongo from five to ten percent. But I think you get the point. Now the Federal Reserve. Held interest rates at near zero for almost eight years. So we have not experienced this kind of dilemma with bonds and bond funds in the recent past and with interest rates rising bonds tend to look more attractive from a yield standpoint. But if they continue to rise, the total return may not be nearly as attractive. We've talked about alternatives. Many many times before. One alternative is to hire a bond manager that can go anywhere. Remember, I said before that high yields we're actually up so far this year not much but nonetheless up long bonds were down substantially. And most financial planners. Not me. Recommend allocating forty percent bonds. I didn't do it. When I was practicing and interest rates are on the decline and bonds were great performers. Because I always knew that at some point interest rates would change and people wouldn't understand why the safety portion of their portfolio was losing money. That is not to say, I wouldn't have some money allocated demands are just wouldn't do almost fifty percent of the portfolio. Especially when I can find alternatives like fixed annuities and fixed indexed annuities that produce returns that are very similar if not better. Especially when the stock market's doing well, but I wouldn't abandon them. But some people think well, wait a minute. Maybe my bond fund manager is asleep at the switch here. So maybe they are. But the problem with some bond fund managers is. What they're hired to do is by let's say government bonds. It's the government bond fund. So they can't switch to high yield. Because that's not doesn't have the same risk profile. So many times even if the manager frankly wants to go to cash or do something else. They don't want to let let the cat out of the bag here. They're in the business of managing money Abban managers in the business of managing money. Just like a stock managers in the business of managing money. And they don't want to not buy government bonds if their strategy is to buy government bonds, even when they perhaps think the buying government bonds not so hot. So rather than by a single purpose bond fund. You can buy a bond fund where you trust that the money manager will try to go to the right place to find the right bonds. I'm not suggesting they'll do better or worse. I'm just suggesting that they have more flexibility. I mentioned other alternatives fixed index the newest he's why are interest rates going up interest rates are going up because there's a fear of inflation not necessarily inflation. But a fear of inflation. And the unemployment rate is going down and wages are going up. And that bodes well for stocks. It does bode well for stocks. So if you have interest in a quote bond like an annuity, and the interest was calculated based on how well the standard and Poor's five hundred or some other stock index did. And there was no possibility of a loss. Why wouldn't you take some of the bond portfolio and put it there? I don't know it makes sense to me. Hi, did it to the tune of millions and millions of dollars for clients back in the day. And they never got angry because they never lost money. Now, they didn't make much either. There are making fourteen percent. When interest rates went down two hundred basis points on their bond fund, but they didn't lose six percent on a long year long bond year to date, and if you looked at the performance over a five six seven years, and in fact, there's academic studies on all this stuff. You'd find that their performance has been very competitive with bonds, and in some instances even competitive with stocks, although I would never ever buy. It has a stock market alternative. But if you want something that's safe, then has an underlying guarantees. You can also slip in one of those guaranteed income benefits. If you prefer that. And they're priced earn three to five percents. Don't let anybody give you any Gulf about eight nine percent. That's bogus information. They're price earned three to five percent. Just like bonds only, they have no downside risk. And bonds today with interest rates going up, certainly do have downside risks. Don't eliminate all the bonds because of interest rates come down. You'll do very well in a bond fund. A rising interest rate environment. Not so much emails next right here in the. He like business content. I mean, if he did like business, you wouldn't be listening to this show. Right. What if I can give you even more of what you like we've never met. But I'm willing to bet you are very busy between your work, family and outside. This little car ride is your time to catch up on your favorite show. But you always get to tune in. Exactly. Now, there's a business club with you in mind. This is the place for business videos on demand. We have partnered with this show to provide you more of the content. You like the best part? 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It didn't get to everything. I wanted to get to today, but I do get to a couple of emails here. We'll start with Allen. Alan. Says right loved the show. I'm self employed. It looks like I'll have about fifty K leftover this year. How can I say some taxes? I take eight K per month out as income, pardon me. Well, self-employed probably means you are unincorporated. I might be thinking about a corporation. Probably not for this year. All though depends on how much money you're gonna earn between now and the end of the year. Because what you may be able to do. Is incorporate? As of mid November or something like that. And then not take any income out of the company until after the first of the year that way any money that you would earn the balance of this year, the corporation would earn and not you wouldn't show up on your tax return until next year. And you'd be able to do something. That could shelter that money between now and then. So really? That that tactic. It's probably something you'd wanna do for sure. Next year. This year and talk to your advisers. It may or may not work. Now, if you are self employed, and you have kids under the age of eighteen I've talked about this before. But we now and the end of the year is Christmas break there's thanksgiving. There's a lot of time those kids could work for you. You can

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Stocks sag, bonds supported as simmering trade woes curb risk appetite

The Ray Lucia Show

02:17 min | 4 years ago

Stocks sag, bonds supported as simmering trade woes curb risk appetite

"Five point eight one percent compared to five point three two percent for long term government bonds and nine point nine two percent for large cap stocks over that period and by the way this is in a period of both rising and falling yields now you wouldn't expect something that's safe guaranteed with no downside risk to compete with the nine point nine two percent for large cap stocks but it competes quite favorably in fact better at five point eight one percent compared to five point three two percent for long term government bonds how many of you out there believe the long term government bonds going forward with a three some odd percent yield today and increasing are going to generate a five point three two percent long term return that tells you that long term government bond rates would have to be on the decline to get to five percent and rates are not on the decline rates are going up at least as of this period in history ebbets and also simulated different portfolios and how they would perform in below median bond return environments which he believes we're heading into as do is they just mentioned versus above median bond return environments which we've been in for the past thirty five years during below median bond return environments from nineteen twenty seven to twenty sixteen a sixty forty mix of stocks and bond portfolio return seven point six percent on average and that compares to write this down will you please eight point one two percent for sixty percent stock twenty percent bonds and twenty percent fixed indexed annuities versus better write this down to a portfolio of eight point six three percent for sixty percent stocks and forty percent.

Three Two Percent Eight One Percent Nine Two Percent Twenty Percent Sixty Percent Six Three Percent Thirty Five Years One Two Percent Forty Percent Five Percent Six Percent