Calculated Risk
JANUARY 1, 2025
Earlier I posted some questions on my blog for next year: Ten Economic Questions for 2025. Some of these questions concern real estate (inventory, house prices, housing starts, new home sales), and I posted thoughts on those in the newsletter (others like GDP and employment will be on this blog). I'm adding some thoughts and predictions for each question.
Abnormal Returns
JANUARY 1, 2025
Podcasts Peter Lazaroff talks with Michael Batnick about lessons learned from the stock market in 2024. (peterlazaroff.com) Khe Hy talks with Dr. Jordan Grumet about finding your life purpose. (youtube.com) Taxes Trading crypto? Pay your taxes. (axios.com) Consider doing Roth IRA conversions for your heirs. (financialducksinarow.com) Returns Chasing higher bank interest rates is losing its appeal.
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Calculated Risk
JANUARY 1, 2025
Note: Mortgage rates are from MortgageNewsDaily.com and are for top tier scenarios. Mortgage rates as of Monday (a little lower on Tuesday). Thursday: At 7:00 AM ET, The Mortgage Bankers Association (MBA) will release two weeks of results for the mortgage purchase applications index. At 8:30 AM, The initial weekly unemployment claims report will be released.
A Wealth of Common Sense
JANUARY 1, 2025
Our media team at The Compound does an excellent job of marrying quality production value with useful analytics. They recently shared with us the Spotify Wrapped data on Animal Spirits for 2024. Our most popular episode this year was titled When Your Friends Are Richer Than You. It’s always hard to tell the exact reason why people tuned in for something like this, but the episode title seems to have struck a chord.
Speaker: Erroll Amacker
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
Steve Sanduski
JANUARY 1, 2025
For the 11th time, I begin the New Year with a word exercise thats designed to remind, motivate, and guide my behavior on my road to making the New Year my best year yet. Historically, Ive done the My 3 Words exercise, which are simply 3 words that set my theme for the year. My 3 words are printed at the top of my Daily Outcomes sheet (my prioritized to-do list) so I see them multiple times a day.
A Wealth of Common Sense
JANUARY 1, 2025
Today’s Animal Spirits is brought to you by YCharts and Fabric: See here for 20% off your initial YCharts Professional subscription (new customers only) Go to meetfabric.com/spiritsfor more information on life insurance from Fabric by Gerber Life Get a random Animal Spirits chart here On today’s show, we discuss: Wall Street’s Market Forecasts Are Out for 2025 — Be Dubious Steve Ballmer, the N.
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Walkner Condon Financial Advisors
JANUARY 1, 2025
Learn about the updated 2025 contribution limits for 401(k), IRA, Roth IRA, and HSA accounts, including Secure Act 2.0 changes, catch-up contributions, and income thresholds.
Tobias Financial
JANUARY 1, 2025
Join us on Tuesday, January 21st at 12:30 PM Eastern for our Quarterly Market Update Webinar. When : Tuesday, January 21st at 12:30 PM Eastern Registration : Click here to register. Cost : Complimentary After registering, you will receive a confirmation email with instructions for joining the webinar. We look forward to your attendance.
Inside Information
JANUARY 1, 2025
Over the years, Ive argued on behalf of a fiduciary society, where the fiduciary concept of considering the interests of others is broadly elevated, not necessarily above your own interest, but much closer to on par. In my own life, this concept has worked out pretty well; in my fee negotiations, I make sure to consider the best interest of the other party, making them not an opponent, but a co-creator to something that is fair to both, that meets the goals of each.
YouSet Insurance
JANUARY 1, 2025
In Canada, comprehensive coverage is optional. However, it provides protection you might appreciate in common non-collision situations.
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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.
Nerd's Eye View
JANUARY 1, 2025
Occasionally, an owner of a permanent life insurance policy may decide that they no longer need their policy – either because the death benefit is no longer necessary or because they simply want to access the policy's underlying cash value for their living expenses in retirement. Unlike term life insurance, permanent life insurance doesn't simply lapse when the owner stops paying premiums.
Random Roger's Retirement Planning
JANUARY 1, 2025
Barron's has an article about how to protect your portfolio , er sort of. Basically, after a couple of quotes from William Bengen, father of the 4% rule, about his tactical portfolio currently being 37% allocated to equities, there are a couple of suggestions from William Bernstein about just having less equity exposure. Portfolio No. 1: 15% U.S. stocks, 10% international stocks, 75% one- to three-year U.S.
The Big Picture
JANUARY 1, 2025
Happy New Years! Grab a few Advils, pour yourself a mug of coffee, and get ready to start the new year right! AI Needs So Much Power, Its Making Yours Worse Technology : AI data centers are multiplying across the US and sucking up huge amounts of power. New evidence shows they may also be distorting the normal flow of electricity for millions of Americans, threatening billions in damage to home appliances and power equipment. 75% of highly-distorted power readings across the country are within
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