The Irrelevant Investor

FEBRUARY 29, 2020

Articles If you can’t stick with a 100% stock portfolio through a 50% downturn then the S&P isn’t your benchmark. By Cullen Roche If you have a long term savings or dollar cost average plan and suddenly you sell everything because you’re in pain, whelp, that’s capitulation By Phil Pearlman In a decade quite bad for value investing, the start of 2020 is the absolute worst 6-week period By Cliff Asness Of the US firms listed in 1900, over 80% of their value was in industries that are today sma

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AdvisorPR

FEBRUARY 28, 2020

How to Celebrate & Promote (And still be humble…if that’s your thing) The objective of public relations is to create a reputable, likable and trustworthy image with the greater public. Serving as a media resource is one surefire way to do this – becoming a trusted expert to local and national media gives your prospective clients assurance that you have been vetted and confirmed to be the sourced expert on important financial topics.

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Indigo Marketing Agency

FEBRUARY 27, 2020

The financial markets took a big dip early this week over fears about the spreading coronavirus, erasing gains from earlier this year. Investors are understandably nervous about their money and their health. But as a financial advisor, how should you communicate with your clients about the uncertainty? Never let a good crisis go to waste, or in this case, a dip in the stock market.

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Brown Advisory

FEBRUARY 6, 2020

2019 Impact Report: Large-Cap Sustainable Growth Strategy ajackson Thu, 02/06/2020 - 08:15 A Letter of Introduction From The Portfolio Managers At Brown Advisory, we are deeply committed to sustainable investing. Our firm managed more than $6 billion* in client assets under various sustainable investment mandates for individuals, families and institutions, as of Dec. 31, 2019.

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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.

Accounting

The Irrelevant Investor

FEBRUARY 28, 2020

When you type in "should I" into the Google search bar, four of the top seven results are about selling stocks. If you arrived at this website because you are Googling "should I sell my stocks," relax, breathe, let me tell you how this all works. Stocks generally go up over time. Why? Because stocks are not just numbers on a screen, they represent something very real.

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The Irrelevant Investor

FEBRUARY 27, 2020

Despite the recent selloff, things are still relatively fine. I know nobody wants to hear this right now, but the S&P 500 is still up double digits over the last year and 36% over the last three years. What has people shook, understandably, is the speed of this decline. Depending on where stocks close today, we could be looking at a 10% haircut in just five sessions.

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The Irrelevant Investor

FEBRUARY 26, 2020

It's been a rough few days for stocks, as you already know. Over the last two sessions, the S&P 500 shed nearly $2 trillion in market cap, its largest two-day decline ever. Of course there is a denominator thing going on, stocks were at an all-time high, so naturally a large decline will be a record in dollar terms. In percentage terms, it was the 31st worst 2-day return since 1950.

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The Irrelevant Investor

FEBRUARY 25, 2020

For the 18th time since the stock market bottomed in 2009, the S&P 500 is more than 5% off its high. The current episode is due to fears over the Coronavirus. Every time we experience one of these pullbacks, things get noisy on social media, in the news papers, on TV, blogs, radio, everywhere. Why does this always happen, who cares about a 5% pullback?

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The Irrelevant Investor

FEBRUARY 25, 2020

On today’s show we discuss: The state of the U.S. consumer Morgan Stanley is buying E*Trade Mom and pop are on an epic buying spree Turnover in the 1% Millennials are saving too much money?!?! The longest expansion in history Americans don't understand diversification People are cutting the cord Zillow is losing millions on houses Listen here Recommendations The Devil's Chessboard The Great Influenza Before sunrise The MVP Machine Life Isn't Everything Ted Seides and Dan Rasmussen Tweets [link]

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Speaker: Abdi Ali, Sr. Lease Accounting Consultant

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.

Accounting

The Irrelevant Investor

FEBRUARY 24, 2020

Today's Animal Spirits Talk Your Book is brought to you by Conestoga Capital Advisors. For more information please visit their site here. On today's show we discussed: Avoiding the biggest losers in the small cap growth space Filtering down an investing universe Position sizing and risk management Portfolio construction How management influences buy/sell decisions Capacity constraints in the small cap space Why mid cap stocks are often under followed Listen here: Articles mentioned: Size matters

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The Irrelevant Investor

FEBRUARY 24, 2020

Last month I was at a casino playing blackjack. As I sat down to play my first hand, I felt a surge of adrenaline rush through my body. Was I playing with too much money on the line? Is that what was causing my heart to race like I was about to jump out of an airplane? No, I bought in for a few hundred bucks and was playing with $25 chips. The amount I was wagering had absolutely zero effect on my financial well being.

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The Irrelevant Investor

FEBRUARY 23, 2020

Articles A lower bar for becoming an expert raises the bar for remaining one By Myles Udland Knowing the limits of your intelligence requires a certain level of intelligence, so some people are too stupid to know how stupid they are. By Morgan Housel The briefly held RIA fantasy that E*Trade would replace TD Ameritrade as champion of the sub-$100-million RIA is over.

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The Irrelevant Investor

FEBRUARY 22, 2020

733,000 cable customers bailed on Comcast last year. The trend of cord cutting is playing out all across the Pay-TV universe, which you can see in this incredible chart from the WSJ. Content is getting more expensive, customers are leaving in droves, and there is more competition than ever before, which you'd think would be a disaster for these stocks.

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Join us in this webinar, where we share best practices on how to think about the reconciliation work each month, when best to do reconciliations, how they should be prepared, and some common pitfalls to avoid. Learning Objectives: This course objective is to understand how to properly prepare and review balance sheet reconciliations and its impact on the financial statements.

Accounting

The Irrelevant Investor

FEBRUARY 20, 2020

A listener asked abut replicating some sort of risk parity strategy using levered ETFs. Back in the day, you had to use futures or options in order to magnify your returns, but today there are ETFs that allow you to implement this idea very easily. I had Nick Maggiulli run some numbers for me on what a 60/40 levered portfolio would have done compared to the unlevered version.

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AdvisorPR

FEBRUARY 18, 2020

If you’ve been following my blog posts over the past several years, you know I’ve focused primarily on providing tips for on-camera interview opportunities. This is because our clients not only seem to ask the most questions about TV appearances, but they also appear to be the most nervous about these interviews. This is not to say, though, that print and online media interviews shouldn’t be taken seriously.

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The Irrelevant Investor

FEBRUARY 18, 2020

Today’s Animal Spirits is brought to you by YCharts. Mention Animal Spirits to receive 20% off (*New YCharts users only) Listen here: On today’s show we discuss: My type of bear The 1% own all the stock The middle class has most of their money in their home White House considering tax incentive for stocks The great affordability crisis Is private equity out of capacity?

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The Irrelevant Investor

FEBRUARY 17, 2020

Ben and I spoke about Margin Call, which we both think is the best movie made on the financial crisis. Listen here Trailer here [link] Books mentioned: A Colossal Failure of Common Sense by Lawrence McDonald Contact us at animalspiritspod@gmail.com with any feedback, recommendations, or questions. Follow us on Facebook , Instagram , and YouTube. Check out our t-shirts, stickers, coffee mugs, and other swag here.

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As we step into 2024, the lending landscape evolves rapidly with technology, regulations, and market dynamics driving change. For banks and financial institutions to stay competitive and meet the evolving needs of their customers, these drivers must be understood and engaged with. Lenders can anticipate significant transformation fueled by technological advancements, regulatory shifts, and changing consumer behaviors.

Banking

The Irrelevant Investor

FEBRUARY 15, 2020

Articles The real expected value of random stock research is zero By Tyro Capital Home prices are rising faster than wages in roughly 80 percent of American metro regions By Annie Lowrey Dynamic withdrawal strategies transform sequence risk into lifestyle risk By Adam Collins What tech has done to retail, is unfolding in media By Scott Galloway The problem when studying historical events is that you know how the story ends, and it’s impossible to un-remember what you know today when thinking abo

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The Irrelevant Investor

FEBRUARY 12, 2020

On today’s show we discuss: The agony of Tesla bears Young people are trading, is that bad? My experience with trading 10 thing Jonathan Clements wish he knew in his 20s 90% of Americans satisfied with personal life, yea right The millennial wealth gap isn't that bad? Vanguard's move into private equity Bond funds. So hot right now Mortgage rates are falling Spotify buys The Ringer The downside of sports gambling NYC broker fees are disappearing Instagram versus YouTube To spot the next recessio

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The Irrelevant Investor

FEBRUARY 12, 2020

With a 44% gain, Bitcoin is far and away the best performing asset so far in 2020. What this means, exactly, is that if you bought Bitcoin on December 31st at precisely $7,119.63 and held it until today, the value of your coins have increased by 44%. El capitan obvious, I know, but this is important because the way we talk about returns matters. Bitcoin is up 44% over the first 42 days of the year, that's a fact, but another fact is that Bitcoin started the year 64% below its all-time high, and

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Indigo Marketing Agency

FEBRUARY 12, 2020

Are you struggling to figure out who you serve best and the type of clients you want to target with your marketing? Do you need help identifying a viable target market and creating a message that resonates with that group? This new webinar is the answer to the question I get all the time from advisors, which is: How do I figure out the best niche for my firm?

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Speaker: Joe Buhrmann, MBA, CFP®, CLU®, ChFC® Senior Financial Planning Practice Management Consultant eMoney Advisor

During an era of evolving consumer preferences, the banking sector is undergoing a profound shift. As customers continue to broaden their perspectives, banking professionals must support their customers' financial wellness by providing holistic financial advice that aligns with individual goals and circumstances. Without adapting, financial institutions will find that loyalty may crumble amid uncertainty.

Financial Advice

Indigo Marketing Agency

FEBRUARY 12, 2020

The financial advisor technology tools your firm uses can make or break the client experience. A slow website, complicated financial planning software, irrelevant emails—these can all leave a sour taste in your clients’ mouths and leave them searching for someone else. . But the right technology has the opposite effect. The right technology empowers your clients to take control of their financial lives; makes them excited to get in touch with you; and keeps a steady stream of relevant content in

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The Irrelevant Investor

FEBRUARY 11, 2020

The New York Fed just updated its quarterly report on household debt and credit and things are looking About 1.0% of current mortgage balances became 30 or more days delinquent in 2019 Q4, near the lowest level observed in the data history. Low interest rates are hurting savers, but they're helping borrowers. Mortgage originations soared in the fourth quarter, which was driven by borrowers with a very healthy credit history.

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The Irrelevant Investor

FEBRUARY 10, 2020

Today's Animal Spirits Talk Your Book is brought to you by The Covered Bridge Fund. For more information, visit their site here On today's show we discuss: Income in today's low interest rate environment Different types of income strategies using options What covered calls are and how they're incorporated into this strategy How this strategy can fit inside a portfolio How to benchmark a covered call fund Listen here: More information: Covered Bridge Fund fact sheet Covered Bridge Fund prospectus

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Indigo Marketing Agency

FEBRUARY 10, 2020

Before you spend a lot of time and money on your marketing, it’s important to first figure out exactly who you want to reach and the message that will resonate best with those people. Many of the advisors I speak with are stuck, not knowing how to embrace a specialty or focus their marketing message. Luckily, there’s a fantastic new book that can help.

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Speaker: Carolina Aponte - Owner and CEO, Caja Holdings LLC

In today's rapidly changing business environment, building a resilient balance sheet is crucial to the survival of any business. A resilient balance sheet allows a company to withstand financial shocks and adapt to changing market conditions. To achieve this, companies need to focus on key strategies such as maintaining adequate liquidity, managing debt levels, diversifying revenue streams, and prioritizing profitability over growth.

Financial Planning

The Irrelevant Investor

FEBRUARY 9, 2020

Articles A small home is the key to a big portfolio By Jonathan Clements Acquiring users is the new building factories. By Alex Danco If you win the popularity game, what might you expect? By Tim Ferriss The biggest lie in personal finance is that you can be rich if you just cut your spending By Nick Maggiulli Orson Welles almost scared America to death.

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The Irrelevant Investor

FEBRUARY 7, 2020

This week on the podcast Ben and I spoke about casinos in Atlantic City and the challenges they're dealing with. I went there over the weekend to watch the Super Bowl, and wow, things look pretty dire. The place I stayed, Ocean, is a stunning hotel. The thing is, before this was Ocean, it was Revel, which was a colossal failure. Revel cost $2.4 billion and was sold a few years later for $229 million.

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Indigo Marketing Agency

FEBRUARY 6, 2020

About Bryan Lee, CFP ®. Bryan Lee founded Strategic Financial Planning Inc. to provide fee-only financial planning and investment advisory services to individuals and small businesses using a unique financial life planning approach and process. In addition to being a Certified Financial Planner (CFP ® ) practitioner, his educational background includes an undergraduate degree in Investments and an MBA in International Finance from the University of North Texas in Denton.

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