August 2, 2021

My Brain is Full

This week more than 25% of companies in the S&P will be reporting earnings which means another week of gushing news on US stocks.  This has been a robust recovery indeed as GDP for the second quarter is up 6.5% and would have been even higher if not for an unexpected $166 billion drop in inventories. As we try to make heads or tails of this flood of information, we need to do comparisons versus the economic shutdown driven by Covid in the past and the effect of labor shortages, Delta strain, and supply chain snafus in the future.  For now, and as the “buy the dips” mentality prevails, it looks like the Bulls have the edge as we head into the sometimes treacherous end of summer, Sep-Oct time period.
June 30, 2021

One Million Million

Microsoft became a trillion dollar company on April 25th, 2019, following in Apple and Amazon’s footsteps after they achieved this height months before.  Microsoft, or Mr. Softy to Wall Street traders, went public in March of 1986 so it took them about 35 years as arguably the greatest company ever to achieve the one trillion dollar level.  MSFT hit the 2 trillion mark on June 24th, 2021, only a month or so more than two years later.  Two things stand out to us, first, the power of compounding explodes as the numbers get ever bigger.  Second, companies are totally world-wide, what with Microsoft having over 1.5 billion people using their windows software.  And yes, a trillion is a million million.
April 15, 2021

Lower Rates, Smaller Payments

Interest rates are near historic lows. So, try to refinance your mortgage, auto loan, personal loan, or student loan. Lower rates can lead to lower monthly payments and more of your money going toward principle. And with the lower payments, put the difference in payments toward your emergency fund. -Brent Weiss, Co-Founder of Facet Wealth, Baltimore
April 14, 2021

The math of SYNERGY

(thx to Egan and Shandler ‘Vroom! Turbo charged team building’) Synergy is group energy, MULTIPLIED by itself. Note here that it is the function between the numbers- that makes the difference! 3-3 = 0 3/3 = 1 3+3 = 6 3×3 = 9 So is the synergy positive or negative? The lowest output comes from subtraction and division. The highest output comes from addition and multiplication. Isn’t that something? Hmm…
April 1, 2021

Make Money Rules!

Create a list of money rules, including how you will handle unexpected income. For example, if you receive a bonus or tax refund, where will the money go? I recommend spending 50% and saving 50%. Then, set a time in your calendar to review the rules every six months. -Ramit Sethi, author and founder of Earnable in New York