Blog Articles and Learning about Investments | FOR GENERATIONAL WEALTH - Learn to Build & Keep Generational Wealth

Apple is probably smarter than I gave them credit for initially, with this Headset Business

by Y0A4RybZ8S | Jun 5, 2023 | Economic Commentary

Commentary on Apple's Headset release - What is Apple (ticker: AAPL) doing right now? How could they play this out?Video version of this Article/CommentaryAudio Version of this Article/CommentaryInformation on this website is intended to be used for informational and...

Palantir’s CEO is a Mad Scientist – In a good way

by Y0A4RybZ8S | Jun 1, 2023 | Economic Commentary

Alex Karp has me in stitchesAudio version of this Commentary/OpinionInformation on this website is intended to be used for informational and recreational purposes only. No content on this website shall be considered legal, tax, or investment advice. We are not...

Are we getting the full story from Salesforce’s May 31 2023 Earnings call?

by Y0A4RybZ8S | Jun 1, 2023 | Economic Commentary

Reaction and Commentary about Salesforce's (ticker: CRM) May 31, 2023 Earnings Call - what's going on here?Video version of this Article/CommentaryAudio version of this Article/CommentaryInformation on this website is intended to be used for informational and...

What risks do we allow ourselves to take on when we analyze the analysis?

by Y0A4RybZ8S | May 31, 2023 | Economic Commentary

We're treading a dangerous line between accepting a polished version of the truth instead of the full picture Audio version of this Article/CommentaryInformation on this website is intended to be used for informational and recreational purposes only. No content on...

Does A.I. equal Productivity at a 1:1 level?

by Y0A4RybZ8S | May 30, 2023 | Economic Commentary

Productivity in regards to A.I. and productivity paradigm shifts Tech, and the broader market are quickly realizing some combination of the following concepts: They “over-hired” personnel and at least some of that personnel was not strong from a human capital...

How did a majority of current millionaires build generational wealth?

by Y0A4RybZ8S | Mar 15, 2023 | FAQ Questions, Generational Wealth, Investing

There are a variety of ways that current millionaires have built generational wealth, and the specific approach will depend on factors such as their industry, risk tolerance, and personal financial goals. However, there are a few common themes that tend to emerge:...

Can laddering as used in bond laddering work for other financial market investing instruments?

by Y0A4RybZ8S | Mar 15, 2023 | FAQ Questions, Investing, Retirement Planning

The concept of laddering can be applied to other financial market investing instruments beyond bonds. The basic idea of laddering involves investing in a series of assets that have staggered maturities, with the goal of providing a regular income stream and managing...

What is a DRIP? is it still an applicable way to invest in a market that deprioritizes dividend investing and long-term buy and hold strategies?

by Y0A4RybZ8S | Mar 15, 2023 | FAQ Questions, Investing, Retirement Planning

How are DRIP programs still relevant in today's market? A DRIP, or dividend reinvestment plan, is a program offered by some companies that allows investors to automatically reinvest their dividend payments back into the company's stock. Essentially, instead of...

What else needs to be considered if dividend investing is a cornerstone methodology to build or grow generational wealth?

by Y0A4RybZ8S | Mar 15, 2023 | Amassing Wealth, FAQ Questions, Generational Wealth, Investing, Retirement Planning

While dividend investing can be a powerful tool for building generational wealth, there are several factors to consider when making investment decisions. Here are a few additional considerations to keep in mind: Risk tolerance: Dividend stocks can provide a reliable...

How can generational wealth be helped or built up through investing with dividend stocks?

by Y0A4RybZ8S | Mar 15, 2023 | FAQ Questions, Investing, Retirement Planning

Investing in dividend stocks can be a powerful way to build and preserve wealth over multiple generations. Here are a few ways that dividend stocks can help create and sustain generational wealth: Long-term compounding: Investing in dividend stocks allows you to...

What are some of the most important dividend paying stocks – which stocks are in the S&P aristocrats index?

by Y0A4RybZ8S | Mar 15, 2023 | FAQ Questions, Investing, Retirement Planning

The S&P 500 Dividend Aristocrats Index is made up of companies in the S&P 500 that have increased their dividends for at least 25 consecutive years. As of March 2023, some of the most important dividend-paying stocks and members of the S&P 500 Dividend...

Why is dividend investing much less prevalent in the age of growth stocks and the Nasdaq?

by Y0A4RybZ8S | Mar 15, 2023 | FAQ Questions, Investing, Retirement Planning

Dividend investing is less prevalent in the age of growth stocks and the Nasdaq for a few reasons: Shift towards growth stocks: In recent years, there has been a shift towards growth stocks, which are companies that are expected to grow at a faster rate than the...

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What did John D. Rockefeller have to say about dividend stocks

by Y0A4RybZ8S | Mar 15, 2023 | FAQ Questions, Investing

Famous Quote by John D Rockefeller about Dividends John D. Rockefeller, the American industrialist and philanthropist, was a proponent of investing in dividend stocks. He believed that owning shares in a well-managed company that paid regular dividends was a sound...

Why would you invest in a dividend stock if cash and short term, liquid investment options are paying more than 4% (Q1 2023 for example)

by Y0A4RybZ8S | Mar 15, 2023 | FAQ Questions, Investing, Retirement Planning

There are a few reasons why an investor might choose to invest in a dividend stock, even if cash and short-term, liquid investment options are paying more than 4%: Long-term growth potential: While cash and short-term investments can offer relatively high yields, they...

How does investing in a dividend stock differ between a ROTH IRA and an IRA?

by Y0A4RybZ8S | Mar 15, 2023 | FAQ Questions, Investing, Retirement Planning

Investing in dividend stocks can be a good strategy for both Roth IRAs and traditional IRAs, but there are some differences between the two account types that investors should consider when deciding where to invest. Tax treatment: The primary difference between a Roth...

How does investing in dividend stocks use the concept of compounding interest?

by Y0A4RybZ8S | Mar 15, 2023 | FAQ Questions, Investing, Retirement Planning

Investing in dividend stocks can utilize the concept of compounding interest in the following ways: Reinvesting Dividends: When you invest in dividend stocks, you receive regular dividend payments from the company. Instead of using these dividends as income, you can...

Can you tell me about spectacular downfalls of once well known public companies? Can you list details of their demise and the causes of their failures?

by Y0A4RybZ8S | Jan 6, 2023 | Business, FAQ Questions, Investing

Big Companies that were not too big to fail There have been many well-known public companies that have experienced spectacular downfalls in the past. Some examples include: Enron: Enron was an energy company that was once considered one of the most innovative and...

What is bond laddering?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Investing, Strategic Planning, Working with a Financial Advisor

Bond Laddering Basics Bond laddering is a strategy in which an investor divides their bond portfolio into equal amounts invested in bonds with a range of different maturities. This creates a "ladder" of bonds, with some bonds maturing in the short-term and others in...

What are some sophisticated cash management options? for those who are not ready to reenter the market in a downturn?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Finances, Investing, Working with a Financial Advisor

Cash Management for waiting out a downturn in the financial markets There are several sophisticated cash management options that investors who are not ready to reenter the market at a downturn may consider: Money market funds: Money market funds are mutual funds that...

What are some strategies for a bear market?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Investing, Protecting Wealth, Working with a Financial Advisor

Bear Market Strategies - The Basics There are several strategies that investors may consider during a bear market, which is a market characterized by declining prices and negative investor sentiment. These strategies may include: Diversification: Diversification is...

What should I be worried about if I have an aging parent who is not fully understanding the scope of their financial investments and liabilities, generally?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Investing, Working with a Financial Advisor

What should I know about finances with regards to aging parents? If you have an aging parent who is not fully understanding the scope of their financial investments and liabilities, there are several things you may want to consider: Review their financial situation:...

How can an RIA help a person with less than a million dollars find financial security?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Finances, Investing, Retirement Planning, Working with a Financial Advisor

If I'm not already wealthy, can an RIA help me find financial independence? An RIA (Registered Investment Advisor) can help a person with less than a million dollars find financial security by providing investment advice and asset management services that are tailored...

Why is a fiduciary so important?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Investing, Working with a Financial Advisor

The importance of a Fiduciary A fiduciary is a person or organization that is entrusted with the responsibility of acting in the best interests of another party. In the financial industry, a fiduciary is a professional who is required by law to act in the best...

Can I get the same value from a bank employed investment advisor that I can get from a private practice investment advisor?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Investing, Strategic Planning, Working with a Financial Advisor

The value that you can get from a bank-employed investment advisor may depend on a number of factors, including the advisor's qualifications, experience, and approach to investing. Some bank-employed advisors may have extensive knowledge and expertise in a particular...

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What are the specifics of FDIC insurance? Are there similar protections in SIPC?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Finances, Investing, Protecting Wealth

FDIC (Federal Deposit Insurance Corporation) insurance is a type of insurance that protects depositors in the event that their bank fails. FDIC insurance covers deposits in FDIC-insured banks, up to a maximum of $250,000 per depositor, per bank. This includes deposits...

What is generational wealth? What is a surefire way to establish generational wealth? What should an average investor be focusing on to try to amass generational wealth?

by Y0A4RybZ8S | Jan 6, 2023 | Amassing Wealth, Creating Wealth, FAQ Questions, Generational Wealth, Investing, Protecting Wealth, Retirement Planning, Taxes, Transferring Wealth, Working with a Financial Advisor

Some basic information about Generational Wealth Generational wealth refers to wealth that is passed down from one generation to another. It is often used to describe the accumulation of wealth over a long period of time, with the goal of creating financial stability...

Can you name some specific uses of AI in investing right now? What does the future hold for AI in investments?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Investing, Working with a Financial Advisor

How does AI factor into Investment Management right now? There are several ways in which artificial intelligence (AI) is currently being used in investing: Portfolio construction: AI algorithms can be used to analyze historical data and build investment portfolios...

What is involved with sitting for the series 7 exam? What is involved with sitting for the series 24 exam? What is each exam in preparation for, and what specifically can an investor understand about their investment advisors if they hold these licenses?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Investing, Working with a Financial Advisor

What is some important information about the Series 7 and Series 24 licenses? What can the exams and studying tell us about license holders? The Series 7 exam is a securities industry qualification exam that is administered by the Financial Industry Regulatory...

In relation to investment management, what roles does tax planning, estate planning, risk management, insurance and business planning play for entrepreneurs who are amassing wealth in their businesses?

by Y0A4RybZ8S | Jan 6, 2023 | Business, Finances, Insurance, Investing, Protecting Wealth, Retirement Planning, Strategic Planning, Taxes, Working with a Financial Advisor

Tell me about strategic planning and how it works with other types of planning like risk management and insurance? Tax planning, estate planning, risk management, insurance, and business planning are all important considerations for entrepreneurs who are amassing...

How important are tax benefits with regards to investing? Can you tell me some details as to why tax advantageous investing should be prioritized?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Investing, Strategic Planning, Taxes

How should I view taxes from the investment and strategic planning perspective? Taxes can have a significant impact on the overall performance of an investment portfolio, and as such, tax considerations can be an important factor to consider when making investment...

What is an HSA? How is it useful as an investment tool?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Insurance, Investing, Taxes

Can HSA's be useful investment tools? A health savings account (HSA) is a tax-advantaged investment account that is designed to help individuals save for medical expenses. HSAs are available to individuals who are enrolled in a high-deductible health plan (HDHP)....

What are the specific tax advantages of using an ETF instead of a mutual fund?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Investing, Strategic Planning, Taxes

What are the tax advantages of ETF's versus Mutual Funds? Exchange-traded funds (ETFs) and mutual funds are both types of investment vehicles that pool together money from many investors and use it to buy a diversified portfolio of stocks, bonds, or other securities....

Why is gold considered an ideal hedge? Or is it?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Investing, Protecting Wealth, Strategic Planning

Is Gold as good of a hedge for the management of risk in equities as they say it is? Gold is often considered to be an ideal hedge because it has a low correlation to other asset classes, which means that its price tends to move independently of other financial...

What is Carl Ichan’s company IEP? What investment philosophies do they generally use?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Investing

What is IEP - Carl Ichan's Public Company's investment strategy? IEP is the abbreviation for Icahn Enterprises, a publicly traded investment firm that was founded by Carl Icahn, a billionaire investor, entrepreneur, and philanthropist. Icahn Enterprises is a...

What is Ray Dalio’s preferred investment methodology?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Investing

What Investment strategy does Ray Dalio Use? Ray Dalio is an American billionaire investor, hedge fund manager, and philanthropist who is the founder and co-chief investment officer of Bridgewater Associates, one of the largest and most successful hedge funds in the...

What is a 60/40 portfolio? What are some other alternative portfolio styles?

by Y0A4RybZ8S | Jan 6, 2023 | FAQ Questions, Investing, Working with a Financial Advisor

What should I know about a 60/40 Portfolio? A 60/40 portfolio is a type of investment portfolio that is composed of a mix of 60% stocks and 40% bonds. This type of portfolio is often considered to be a balanced portfolio because it combines the potential for higher...

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