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Today, in the Calculated Risk Real Estate Newsletter: Fannie and Freddie: Single Family Serious Delinquency Rates Increased in January Excerpt: Freddie Mac reported that the Single-Family serious delinquency rate in January was 0.61%, up from 0.59% December. Freddie's rate is up year-over-year from 0.55% in January 2024, however, this is close to the pre-pandemic level of 0.60%.
Since March Madness is nearly upon us, how about a fun basketball story? I was lucky enough to be a hoops fan during the golden age of basketball: Larry Bird and Magic Johnson, the Bad Boy Detroit Pistons, Michael Jordan, and the perennially-on-the-verge-of-winning-it-all New York Knicks during the Patrick Ewing, John Starks, Charles Oakley, Anthony Mason era.
Like being inches from the end zone, many advisors are frustratingly close to their next level of success. You work hard. You put in the hours. But if your closing rate is stuck or your pipeline feels like a revolving door… something has to change. Most advisors are just one small shift away from dramatically increasing their revenue. The difference?
Top clicks this week 15 stocks that destroyed the most value in the past decade. (morningstar.com) The Wall of Worry is getting re-built. (downtownjoshbrown.com) The chances of you successfully timing the market based on macro stuff is slim. (awealthofcommonsense.com) Dave Nadig, "You are on your own. There are few left to trust." (davenadig.substack.com) Unfortunately, there is no going back.
Welcome to the March 2025 issue of the Latest News in Financial #AdvisorTech – where we look at the big news, announcements, and underlying trends and developments that are emerging in the world of technology solutions for financial advisors! This month's edition kicks off with the news that Morningstar Office will be shutting down in early 2026 as a part of Morningstar's ongoing effort to refocus on its core investment data and analytics business – forcing advisors currently using t
From the MBA: Mortgage Applications Increase in Latest MBA Weekly Survey Mortgage applications increased 20.4 percent from one week earlier, according to data from the Mortgage Bankers Associations (MBA) Weekly Mortgage Applications Survey for the week ending February 28, 2025. The Market Composite Index, a measure of mortgage loan application volume, increased 20.4 percent on a seasonally adjusted basis from one week earlier.
From the MBA: Mortgage Applications Increase in Latest MBA Weekly Survey Mortgage applications increased 20.4 percent from one week earlier, according to data from the Mortgage Bankers Associations (MBA) Weekly Mortgage Applications Survey for the week ending February 28, 2025. The Market Composite Index, a measure of mortgage loan application volume, increased 20.4 percent on a seasonally adjusted basis from one week earlier.
Avert your eyes! My Sunday morning look at incompetency, corruption and policy failures: Inside the Collapse at the NIH : Administration officials pressured the NIH to avoid clear advice from the agencys own lawyers to restart grant funding now. ( The Atlantic ) Why Gen Z Will Never Leave Home : Thanks to soaring housing costs, a generation of twentysomethings are still in their childhood bedrooms.
Brian Spinelli, co-CIO, talks about why the firm is staying away from U.S. large caps, where it sees opportunities in private markets and how it approaches tax considerations.
February 2025 The S&P 500 returned -1.30% in February 2025. (on.spdji.com) How major asset classes performed in February 2025. (capitalspectator.com) Strategy A review of the times when things looked pretty bleak for the stock market. (optimisticallie.com) Don't kid yourself, we are all hopelessly biased. (ritholtz.com) Crypto A strategic reserve of XRP, SOL, ADA, ETH and BTC makes no sense.
Welcome everyone! Welcome to the 427th episode of the Financial Advisor Success Podcast ! My guest on today's podcast is Sten Morgan. Sten is the owner of Legacy Investment Planning, a hybrid advisory firm based in Franklin, Tennessee, that oversees $220 million in assets under management for 90 client households. What's unique about Sten, though, is how he realized that the team that helped his firm reach an initial level of success as a $1M+ practice was not the team hed need to take it to the
It's the time of year to give our close process some TLC. Join us in this one hour webinar where we discuss how to adopt leading practices and infuse technology into the month-end close process to improve our experience and increase our productivity during month-end and quarter-end close. Learning Objectives: This course's objective is to understand how the month-end close can be improved with automation and adoption of leading practices.
From the Census Bureau reported that overall construction spending decreased: Construction spending during January 2025 was estimated at a seasonally adjusted annual rate of $2,192.5 billion, 0.2 percent below the revised December estimate of $2,196.0 billion. The January figure is 3.3 percent above the January 2024 estimate of $2,122.2 billion. emphasis added Private spending decreased and public spending increased: Spending on private construction was at a seasonally adjusted annual rate of $1
My end-of-week morning train WFH reads: What Weve Learned From 150 Years of Stock Market Crashes : Though they varied in length and severity, the market always recovered and went on to new highs.( Morningstar ) The Mysterious Billionaire Behind the Worlds Most Popular Vapes : Geekvape, Lost Mary, Elf Bar and other top disposable brands all trace back to one man in Shenzhen. ( Businessweek ) Inside UBSs Quiet Battle With the DOL to Manage Retirement Money : Trillions were at stake as the Depar
Strategy Market high-fliers can't go up indefinitely. (awealthofcommonsense.com) Nobody ever said investing in the stock market was fun. (tker.co) Forecasting the impact of macro events isn't always straightforward. (humbledollar.com) Finance The structured finance industry is back, and is set to be bigger than ever. (wsj.com) How carried interest calculations work in practice.
Fraud is a battle that every organization must face – it’s no longer a question of “if” but “when.” Every organization is a potential target for fraud, and the finance department is often the bullseye. From cleverly disguised emails to fraudulent payment requests, the tactics of cybercriminals are advancing rapidly. Drawing insights from real-world cases and industry expertise, we’ll explore the vulnerabilities in your processes and how to fortify them effectively.
Historically, estate planning centered on tangible documentation – wills, account access, and critical information stored in safes or files, with clear instructions for heirs. However, as assets and personal information have become increasingly digitized and moved online, ensuring smooth access to digital accounts has become increasingly complicated.
On Friday, I noted: Q1 GDP Tracking: Wide Range, GDPNow Goes Negative GDPNow from the Atlanta Fed went strongly negative in the most recent reading: "The GDPNow model estimate for real GDP growth (seasonally adjusted annual rate) in the first quarter of 2025 is -1.5 percent on February 28". GDPNow is an excellent tracking model, however, the January surge in imports - especially for gold - caused the model to move negative.
The transcript from this weeks, MiB: Melissa Smith, co-Head of Commercial Banking at JPMorgan , is below. You can stream and download our full conversation, including any podcast extras, on Apple Podcasts , Spotify , YouTube , and Bloomberg. All of our earlier podcasts on your favorite pod hosts can be found here. ~~~ This is Masters in business with Barry Ritholtz on Bloomberg Radio.
Books A Q&A with John Green, author of "Everything Is Tuberculosis: The History and Persistence of Our Deadliest Infection" (forbes.com) An unpublished excerpt from "Air-Borne: The Hidden History of the Life We Breathe," by Carl Zimmer. (sequencermag.com) An excerpt from Clay Risens forthcoming book, "Red Scare: Blacklists, McCarthyism, and the Making of Modern America.
Managing spend is more than a cost cutting exercise – it's a pathway to smarter decisions that unlock efficiency and drive growth. By understanding and refining the spending process, financial leaders can empower their organizations to achieve more with less. Explore the art of balancing financial control with operational growth. From uncovering hidden inefficiencies to designing workflows that scale your business, we’ll share strategies to align your organization’s spending with its strategic g
Coming out of the election over the course of anywhere from a few weeks to a few months: Tesla was up nearly 100% Bitcoin rose 60% Microstrategy increased 112% Palantir blasted 200% higher Hims & Hers rocketed up 230% The gains were immense as animal spirits took over and investors got overly excited. The other side of greed is fear. The other side of exuberance is despair.
Today, in the Calculated Risk Real Estate Newsletter: Final Look at Local Housing Markets in January and a Look Ahead to February Sales A brief excerpt: After the National Association of Realtors (NAR) releases the monthly existing home sales report , I pick up additional local market data that is reported after the NAR. This is the final look at local markets in January.
New financial advisors often start with below-market fees – sometimes to build confidence that prospects will actually pay, other times to attract clients quickly and establish a base. But as the firm grows, so does an advisor's skill set and the demands on their time. And while new clients often come in at higher fees, early clients may still be paying well below the firm's current rates.
Speaker: Duke Heninger, Partner and Fractional CFO at Ampleo & Creator of CFO System
Are you ready to elevate your accounting processes for 2025? 🚀 Join us for an exclusive webinar led by Duke Heninger, a seasoned fractional CFO and CPA passionate about transforming back-office operations for finance teams. This session will cover critical best practices and process improvements tailored specifically for accounting professionals.
Congrestion pricing Congestion pricing eases traffic and is also a revenue raiser. (thecity.nyc) Frazer Rice talks the history of congestion pricing with Nicole Gelinas, author of "Movement: New Yorks Long War to Take Back Its Streets From the Car." (frazerrice.com) Environment Heat and drought are hard to mitigate. (klementoninvesting.substack.com) Where in the U.S.
What kind of quotation marks do you use in your writing? Did you know that there are two kinds of quotation marksstraight and curly? Straight quotation marks dont curve, whereas curly quotes seem to wriggle on the page (see image below). The actual appearance of the marks will vary depending on the font you use. Straight quotes are a hangover from the days of typewriters when you would have needed separate keys to show the curly quotation marks that appear on the left versus those that appear on
Today, in the Real Estate Newsletter: ICE Mortgage Monitor: Property Insurance Costs Rose at a Record Rate in 2024 Brief excerpt: Property Insurance Premiums Increased Sharply in 2024 Here is a chart from the Mortgage Monitor. These increases are largely being driven by losses due to natural disasters. The average annual property insurance premium among mortgaged single-family homes rose by a record $276 (+14%) to $2,290 in 2024 Thats the largest single-year increase on record dating back to 2
My tax guy Bill Sweet joined us on the show to discuss questions about Roth 401ks, dealing with uncertainty in a financial plan, buying a golf membership to a premium club and traditional vs. Roth assets in retirement. Further Reading: Market Timing a Recession The post What Happens in a Recession? appeared first on A Wealth of Common Sense.
Join this insightful webinar with industry expert Abdi Ali, who will discuss the challenges that can arise from managing lease accounting with spreadsheets! He will share real-world examples of errors, compliance issues, and risks that may be present within your spreadsheets. Learn how these tools, while useful, can sometimes lead to inefficiencies that affect your time, resources, and peace of mind.
Podcasts Michael Kitces talks with Jennifer des Groseilliers, CEO of The Mather Group, about building an effective equity compensation plan. (kitces.com) Brendan Frazier talks with David Armstrong, President and Co-founder of Monument Wealth Management, about creating better client meetings. (podcasts.apple.com) Ted Seides talks with Brett Barth and Evan Roth, co-founders and Co-CEOs of multi-family office BBR Partners.
Good Riddance, February The second half of February was rough, as worries over the economy, tariffs, and large cap tech weakness dominated the conversation. Heres the thing. Yes, the year-to-date gains we saw in January have vanished, but as weve noted before, early in a post-election year things tend to be choppy. Not to mention February is a weak month historically, especially in a post-election year.
Fed's Beige Book Overall economic activity rose slightly since mid-January. Six Districts reported no change, four reported modest or moderate growth, and two noted slight contractions. Consumer spending was lower on balance, with reports of solid demand for essential goods mixed with increased price sensitivity for discretionary items, particularly among lower-income shoppers.
Change is difficult, whether in our private or work life. However, without change, growth and learning are difficult not to mention keeping up with the market and staying competitive. We have all worked for or ourselves are the bosses that prefer to keep the status quo. We will discuss how to address the "change challenge" to enable you to be a changemaker and a graceful recipient of change.
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