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S&P/Case-Shiller released the monthly Home Price Indices for November ("November" is a 3-month average of September, October and November closing prices). This release includes prices for 20 individual cities, two composite indices (for 10 cities and 20 cities) and the monthly National index. From S&P S&P CoreLogic Case-Shiller Index Records 3.8% Annual Gain in November 2024 The S&P CoreLogic Case-Shiller U.S.
Welcome everyone! Welcome to the 422nd episode of the Financial Advisor Success Podcast ! My guest on today's podcast is Kay Lynn Mayhue. Kay Lynn is the President of Merit Financial Advisors, a hybrid advisory firm based in Alpharetta, Georgia, that oversees approximately $13 billion in assets under management for 26,000 client households. What's unique about Kay Lynn, though, is how she developed her advisory, management, and leadership skills to work her way up from starting as an intern to e
Today, in the Calculated Risk Real Estate Newsletter: Case-Shiller: National House Price Index Up 3.8% year-over-year in November Excerpt: S&P/Case-Shiller released the monthly Home Price Indices for November ("November" is a 3-month average of September, October and November closing prices). November closing prices include some contracts signed in July, so there is a significant lag to this data.
Surprises Stuff happens every year that no one foresaw. (ritholtz.com) How markets deal with surprises. (behaviouralinvestment.com) Yesterday shows how dependent the stock market is on the AI theme. (herbgreenberg.com) Strategy Your allocation (or not) to international stocks matters, but not a lot. (ofdollarsanddata.com) Investing success is more about temperament than intelligence.
As businesses increasingly adopt automation, finance leaders must navigate the delicate balance between technology and human expertise. This webinar explores the critical role of human oversight in accounts payable (AP) automation and how a people-centric approach can drive better financial performance. Join us for an insightful discussion on how integrating human expertise into automated workflows enhances decision-making, reduces fraud risks, strengthens vendor relationships, and accelerates R
From the MBA: Delinquency Rates for Commercial Properties Increased in Fourth-Quarter 2024 Delinquency rates for mortgages backed by commercial properties increased during the fourth quarter of 2024, according to the Mortgage Bankers Association's (MBA) latest commercial real estate finance (CREF) Loan Performance Survey. " The delinquency rate for commercial mortgages increased during the final three months of 2024 , with increases across most capital sources and property types, said Mike Frata
Lottery-like behavior Does legal sports betting shift manager risk profiles? (papers.ssrn.com) Does high inflation increase gambling like behavior? (papers.ssrn.com) Earnings How highly covered stocks react post-earnings announcement. (klementoninvesting.substack.com) Sell-side analysts do help in assessing earnings reports. (papers.ssrn.com) Why investors shouldn't take growth guidance at face value.
Market Timing vs. Time in the Market Updated January 28th, 2025 Reading Time: 4 minutes Written by: The Zoe Team Though these terms may sound similar, market timing is not the same as time in the market. What do these mean, and which is a sounder investment strategy? Lets take a poll. Raise your hand if youve ever heard someone brag about how they bought Amazon stock right before its share price doubled.
Market Timing vs. Time in the Market Updated January 28th, 2025 Reading Time: 4 minutes Written by: The Zoe Team Though these terms may sound similar, market timing is not the same as time in the market. What do these mean, and which is a sounder investment strategy? Lets take a poll. Raise your hand if youve ever heard someone brag about how they bought Amazon stock right before its share price doubled.
U.S. housing is in an interesting spot. The housing stock is increasingly aged, housing starts are only just beginning to catch up with the long-term average, and mortgage rates are much higher than they have been for years, making homeowners (some 40% of whom now own their homes outright*) reluctant to sell. These factors combine to make for an interesting setup for all sorts of housing-related construction and services as the housing market works to find an equilibrium.
Ray Dalio warned that the runup in values of AI-tied firms is a reminder of dotcom bubble excesses, reports the Financial Times. Single-stock ETFs magnified some of the losses in markets amid the DeepSeek fallout, according to etf.com. These are among the investment must reads we found this week for wealth advisors.
Note: Mortgage rates are from MortgageNewsDaily.com and are for top tier scenarios. Wednesday: At 7:00 AM ET, The Mortgage Bankers Association (MBA) will release the mortgage purchase applications index. At 2:00 PM, FOMC Meeting Announcement. No change to policy is expected. At 2:30 PM, Fed Chair Jerome Powell holds a press briefing following the FOMC announcement.
Based off SkyStem's popular e-Book, the book of secrets to the month-end close will be revealed in this one-hour webinar. Learn leading practices when it comes to building a strong and sustainable month-end close that has room to grow and evolve. Learn about the power of precise estimates, why reconciliations are critical to closing the books, how and when to automate, and how the chart of accounts play into your close process.
A list of things I never plan on doing: I will never go all in or all out with my portfolio.I’m never going to take my entire portfolio to cash because I’m worried about a crash or some terrible economic outcome. Sure, I hold the majority of my investment portfolio in stocks but it’s diversified across geography, market cap and strategy.
By Alain Quennec, CFP, CIM Fifteen years ago, a client and I were cycling when he introduced me to one of his friends. He said, Hi, this is Al Quennec. The friend said, Who is Al to you? He said, Oh, hes my money guy. My heart fell right away because this client didnt understand the breadth of the work and complex financial planning we had done for him in the previous five or 10 years.
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?
The Foundations of Philanthropic Financial Planning If youve been thinking about donating to causes that are important to you but have not yet pulled the trigger, or your giving plan simply consists of giving to places like your childs school or your church or community group when they ask, you may be missing out on the potential benefits of making philanthropy a well-considered part of your overall financial plan.
Every financial advisor knows the importance of a growth plan. If a financial planner doesnt build a solid plan of ROI, their clients wont have a solid financial future. The same is true for the growth of your practice! Financial advisors need a solid growth marketing plan to ensure they are built to last for years and decades to come. The Challenge of Digital Marketing for Financial Advisors Still, financial advisors face unique challenges in growing their practices.
Is your finance team bogged down by endless data requests and disorganized spreadsheets during the month-end close? It’s time to consider a better option – automate with ART! SkyStem’s solution works alongside your ERP to transform the close and account reconciliation process and speed up month-end work. Explore SkyStem’s ART - the award-winning account reconciliation automation platform - and receive a $100 Amazon gift card as a thank you for your time.
John D. Richardson is a financial planner who has been providing sound financial advice to his clients since 2005. His primary focus is to help people align their financial decisions with their values and truths to live enriching lives. As a Retirement Income Certified Professional and a Life and Annuities Certified Professional, John advises clients on retirement planning, investment planning, and risk management.
The low volatility strategy looks for stocks that have smaller price swings than the overall market. Research shows these steady stocks have actually delivered better returns relative to their risk than volatile stocks over time – which goes against what traditional investing theory would predict. This makes them attractive to investors who want more consistent performance and less downside risk when markets get rough.
The Federal Housing Finance Agency (FHFA) house price index (HPI) rose to 433.4 in November, reaching a new all-time high. U.S. house prices were up 0.3 from the previous month and are up 4.2% from one year ago. After adjusting for inflation, the real index was flat month-over-month and up 2.6% year-over-year.
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.
Home prices continued to trend upwards in November as the benchmark national index rose for the 22nd consecutive month to a new all-time high. The seasonally adjusted home prices for the national index saw a 0.4% increase MoM, and a 3.8% increase YoY. After adjusting for inflation, the MoM fell to 0.2% and YoY fell to -1.1%.
The Conference Board's Consumer Confidence Index® fell further in January, dropping for a second straight month. The index decreased to 104.1 this month from December's upwardly revised 109.5. This month's reading was lower than the 105.7 forecast.
Financial Services Institute CEO Dale Brown acknowledged the organization wasnt as familiar with potential DOL Head Rep. Lori Chavez-DeRamer as it was with SEC Chair Nominee Paul Atkins.
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.
DeepSeek, a Chinese artificial intelligence startup, has developed a model that can apparently answer questions as well as any chatbot in the US. It might even help answer a long-running question on Wall Street without being asked.
At the risk of repeating myself ad nauseam , this is as good a time as any to remind ourselves how little we know about the present and how completely unexpected events can be in the future. Our story so far : The technology sector has been booming for well over a decade. Software, mobile, e-tail, big data, LLM, and now AI have all been in growth mode.
At the risk of repeating myself ad nauseam , this is as good a time as any to remind ourselves how little we know about the present and how completely unexpected events can be in the future. Our story so far : The technology sector has been booming for well over a decade. Software, mobile, e-tail, big data, LLM, and now AI have all been in growth mode.
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
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