 The podcast discusses the anticipation surrounding the US Consumer Price Index (CPI) report, which could influence currency markets, especially the US Dollar's performance against other currencies like the Japanese Yen and British Pound, as well as commodities such as Gold and Crude Oil. 

20241202  US CPI Report Awaits Impacts

Markets are doing fine, grinding higher, back on a buy signal, and trading well above it's 50-DMA. We're expecting a pullback over the next couple of weeks as mutual fund distributions occur. The market is over-bought on a relative strength basis. The S&amp;P Equal-weighted Index is also doing well, and has been playing catchup. It, too, is extremely over bought, and we expected to see a consolidation/pullback soon. This is a good time to clear out any laggards you may have in your portfolio, do some tax-loss harvesting before the end of the year. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO&nbsp; Produced by Brent Clanton, Executive Producer ------- Watch the video version of this podcast: https://www.youtube.com/watch?v=H6eDUHM52Uk&amp;list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&amp;index=1  ------- Get more info &amp; commentary:&nbsp; https://realinvestmentadvice.com/insights/real-investment-daily/  ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PortfolioCleanUp #MarketExuberance #OverBoughtMarket SP500 #MarketPullBack #MarketConsolidation #MutualFundDistributions #20DMA #50DMA #100DMA #InvestingAdvice #Money #Investing

12-2-24 It's a Good Time for Portfolio Clean-up

Welcome back from Thanksgiving break: Is it time to initiate Christmas Bonds to help Retailers? While markts have performed well, expect some sloppiness heading into the end of the year. We'll have Black Friday and Cyber Monday results later this week. Meanwhile, markets continue to grind higher. What will be the effects of Trump Administration picks and regulatory changes? High levels of market concentration will result in more volatility from regulatory disruptions. Market complacency in the past is a present risk; Lance looks at the impact of government spending, and a revealing chart of richest/poorest states...and the D.C. A sample of THC Pizza, the Thanksgiving Effect, and stupid housing solutions from Slate. Demographics are destiny: Is the US following Japan? Expect more market volatility in 2025; markets are a function of corporate earnings. It's okay to take speculative bets, but control risk. Commentary on MicroStrategy's strategy of using convertible debt to purchase Bitcoin: What could possibly go wrong? SEG-1: Christmas Bonds &amp; Markets Grind Ever Higher SEG-2: Market Risks for 2025 SEG-3: THC Pizza &amp; Stupid Housing Solutions SEG-4: Expecting Volatility in 2025 Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO&nbsp; Produced by Brent Clanton, Executive Producer ------- Watch today's show video here: https://www.youtube.com/watch?v=HIfTDuPmsQs&amp;list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&amp;index=1&amp;t=2s  ------- Articles mentioned in this report: "Extreme Speculation Has Returned" https://realinvestmentadvice.com/resources/blog/extreme-speculation-has-returned/  ------- The latest installment of our new feature, Before the Bell, "It's a Good Time for Portfolio Clean-up" is here:&nbsp; https://www.youtube.com/watch?v=H6eDUHM52Uk&amp;list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&amp;index=1  ------- Our previous show is here: "Why Credit Spreads Matter" https://www.youtube.com/watch?v=43V7qFIcbWE&amp;list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&amp;index=1&amp;t=1s  ------- Get more info &amp; commentary:&nbsp; https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketSpeculation #MarketVolatility #HighRiskInvesting #SpeculativeTrading #FinancialTrends2025 #TrumpAdministration #RegulatoryChanges #InvestingAdvice #Money #InvestingAdvice #Money #Investing

12-2-24 Extreme Speculation Has Returned

The S&amp;P is back on a buy signal and is a bit overbought; about to be impacted by portfolio redistributions. Small- and Mid-caps have enjoyed a sharp rally but are now only back to where they were three years ago. (While the S&amp;P has made 54 new highs this year, up almost 27% for the year and continuing to grow, Russell 2000 holders have gone virtually nowhere for the past three years.) Those who have been long-term holders in "allocated" portfolios would be wise to review the idea of "diversification:" Diversifying among asset managers is NOT diversification. Just holding a bucket of assets across boards doesn't necessarily lead to better outcomes. Bitcoin has been in the news of late, getting close to the $100k mark; it is currently sitting on the 20-DMA, which is highly deviated. It will come back to meet the gravity of the moving average. Gold has also been working through a consolidation process. Pay attention to support at the 100-DMA. Similarly, the Dollar has been overbought following the presidential election. It's on a sell signal, working off the overboughtedness, and will be pulling back. What happens to the Dollar will feed over into other commodities. &nbsp; Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO&nbsp; Produced by Brent Clanton, Executive Producer ------- Watch the video version of this podcast: https://www.youtube.com/watch?v=rmN8a-6Yr5g&amp;list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&amp;index=1  ------- Get more info &amp; commentary:&nbsp; https://realinvestmentadvice.com/insights/real-investment-daily/  ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Diversification #Russell2000 #SmallCap #MidCap #BitCOin #Gold #Dollar &nbsp;#PortfolioCleanUp #MarketExuberance #OverBoughtMarket #SP500 #MarketPullBack #MarketConsolidation #MutualFundDistributions #20DMA #50DMA #100DMA #InvestingAdvice #Money #Investing

12-3-24 Diversification Isn't What You Think

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The Financial Report w/ Craig Ferrantino LIVE on LI in the AM w/ Jay Oliver!

Periods of extreme leverage and speculation are not new, and the outcomes have consistently been painful for unprepared investors. The late 1990s dot-com bubble serves as a prime example. Speculative bets on internet stocks drove valuations to extraordinary levels, with investors leveraging margin accounts and options to chase gains. When the bubble burst, the Nasdaq lost nearly 80% of its value, leaving leveraged traders especially vulnerable to devastating losses. Lance and Jonathan discuss these lessons from history on today's show, plus a discussion on asset diversification, and what happens when all assets become correlated, the fallacies of diversification, and overlap risk. Money mistakes made by the young; the bset stop-loss tools and strategies; the flaw in comparing portfolio performance to the S&amp;P Index (or any index). SEG-1: Why Sentiment-driven Indexes are Up SEG-2: Lessons from History - What Excessive Leverage Teaches Us SEG-3: The Fallacies of Diversification SEG-4a: The Best Stop-loss Tool SEG-4b: Comparing Portfolios to S&amp;P Index Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor Jonathan Penn, CFP&nbsp; Produced by Brent Clanton, Executive Producer ------- Watch today's show video here: https://www.youtube.com/watch?v=s95h3jUr3c4&amp;list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&amp;index=1&amp;t=2s  ------- Articles mentioned in this report: "Leverage And Speculation Are At Extremes" https://realinvestmentadvice.com/resources/blog/leverage-and-speculation-are-at-extremes/  "Extreme Speculation Has Returned" https://realinvestmentadvice.com/resources/blog/extreme-speculation-has-returned/  ------- The latest installment of our new feature, Before the Bell, "Diversification Isn't What You Think" is here:&nbsp; https://www.youtube.com/watch?v=rmN8a-6Yr5g&amp;list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&amp;index=1  ------- Our previous show is here: "Extreme Speculation Has Returned" https://www.youtube.com/watch?v=HIfTDuPmsQs&amp;list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&amp;index=1&amp;t=2s  ------- Get more info &amp; commentary:&nbsp; https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketLeverage #SpeculationRisks #InvestmentTrends #FinancialWarnings #StockVolatility #StockMarketSpeculation #MarketVolatility #HighRiskInvesting #SpeculativeTrading #FinancialTrends2025 #TrumpAdministration #RegulatoryChanges #InvestingAdvice #Money #InvestingAdvice #Money #Investing

12-3-24 What Excessive Leverage Teaches Us

Show Notes:
 
•	Hasler, A., & Lusardi, A. (2019). The gender gap in financial literacy: A global perspective. Global Financial Literacy Excellence Center. https://gflec.org 
•	Jorgensen, B. L., & Savla, J. (2010). Financial literacy of young adults: The importance of parental socialization. Family Relations, 59(4), 465–478. https://doi.org/10.1111/j.1741-3729.2010.00616.x 
•	Kim, J., Gutter, M. S., & Spangler, T. (2020). Extended family financial socialization and financial behavior in adulthood. Journal of Family and Economic Issues, 41(3), 497-510. https://doi.org/10.1007/s10834-020-09674-3 
•	Klontz, B., Britt, S. L., Archuleta, K. L., & Klontz, T. (2011). Mind over money: Overcoming the money disorders that threaten our financial health. Broadway Books. 
•	Mellan, O. (2014). Money harmony: Resolving money conflicts in your life and relationships. Walker and Company. 
•	Shim, S., Barber, B. L., Card, N. A., Xiao, J. J., & Serido, J. (2021). Financial socialization: A model of family pathways to financial well-being. Journal of Youth and Adolescence, 50(4), 788-806. https://doi.org/10.1007/s10964-020-01272-0 
•	Tang, N., & Baker, A. (2016). Self-esteem, financial knowledge and financial behavior. Journal of Economic Psychology, 54, 164-176. https://doi.org/10.1016/j.joep.2016.04.005 
•	The Psychology of Financial Planning Podcast: https://www.psychologyoffinancialplanning.com/podcast
•	Making Cents of Money Episode 70: The Impact of Compound Interest: https://soundcloud.com/idfpr/episode-70-the-impact-of-compound-interest?utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing
•	Klontz Money Scripts Test: https://www.bradklontz.com/moneyscriptstest
•	Dr. Brad Klontz on YouTube: https://www.youtube.com/c/drbradklontz
•	Money Habitudes:  https://www.moneyhabitudes.com/
•	Money Personality Quiz by Olivia Mellan via the California Courts’ Families Change website: https://fas.familieschange.ca.gov/en/course/27-activity-money-personality-quiz


Episode 99: Financial Socialization

Russia just learned of a near-miss from a passing meteorite...TONIGHT! Lance discusses GDP estimates and other economic reports; Retail Sales are "okay," with no tell tale signs of Recession...for the moment. What will revisions to these reports show next year? What will be the impact of cutting government spending? Meanwhile, investors are very, very exuberant. What should investors expect for the rest of the year? Lance and Danny discuss old guy things: Backpain. There's a pullback coming: Time for a portfolio reality check? The challenge of portfolio rebalancing when exuberance is high; should you sell winners and buy losers now? Emerging Markets are not growing; losers are cheap for a reason. The danger of doing rebalancing willy-nilly. On being Contrarian: Markets have not rewarded those so inclined. Yet. Does not necessarily mean to be super-bearish. On being "out of consensus; the current set up is good for recession. What will cause it, we don't know. The potential risks to portfolios of reduced government spending. Lance &amp; Danny review the recent Thanksgiving break with family and the concept of paying your own way; demographic trends, and the evolution of Generation-X as "sandwich parents." Kids coming home for the holidays vs "boomerang" kids; first paychecks and stringing Christmas lights (yeah, we were all over the place today!) SEG-1: Meteorites, Russia, &amp; Expectations for the Rest of 2204 SEG-2: Backpain &amp; Pullbacks: Portfolio Rebalancing SEG-3: On Being Contrarian SEG-4a: Thanksgiving Reminiscing &amp; Paying Your Way SEG-4b: The Roberts Kids Home for the Holidays Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor Danny Ratliff, CFP&nbsp; Produced by Brent Clanton, Executive Producer ------- Watch today's show video here: https://www.youtube.com/watch?v=Ja9_6jy2TkA&amp;list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&amp;index=1&amp;t=2423s  ------- Articles mentioned in this report: "Leverage And Speculation Are At Extremes" https://realinvestmentadvice.com/resources/blog/leverage-and-speculation-are-at-extremes/  "Extreme Speculation Has Returned" https://realinvestmentadvice.com/resources/blog/extreme-speculation-has-returned/  ------- The latest installment of our new feature, Before the Bell, 12-4-24 What to Expect for the Rest of the Year is here:&nbsp; https://www.youtube.com/watch?v=Ixjd2EjcoZw&amp;list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&amp;index=1  ------- Our previous show is here: "What Excessive Leverage Teaches Us" https://www.youtube.com/watch?v=s95h3jUr3c4&amp;list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&amp;index=1&amp;t=2s  ------- Get more info &amp; commentary:&nbsp; https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PortfolioRealityCheck #InvestmentStrategy #FinancialPlanning #MarketTrends2024 #WealthManagement #MarketLeverage #SpeculationRisks #InvestmentTrends #FinancialWarnings #StockVolatility #StockMarketSpeculation #MarketVolatility #HighRiskInvesting #SpeculativeTrading #FinancialTrends2025 #TrumpAdministration #RegulatoryChanges #InvestingAdvice #Money #InvestingAdvice #Money #Investing

12-4-24 Time for a Portfolio Reality Check

Now that the elections are finally over, President Biden is set to retire. But, have you thought about the best time to retire? In this episode, we break down the obstacles Americans often encounter when it comes to deciding when to retire.

The Right Time To Retire

Featured excerpts and interviews about life, markets, sweat-equity, and the pursuit of wealth in a capitalist  market.

Listen as Nathan and Lindsey help YOU our Retirement Income Solutions Family "Retire In Peace"!

Learn more about Retirement Income Solutions at our website: RiSolutions.net

Retirement Income Solutions, LLC is an independent practice built on trust, reliability, and experience through a variety of market conditions. As an independent firm, we represent our clients and their interests rather than any specific company. We believe independence is vital to delivering objective, unbiased recommendations.

Our mission at Retirement Income Solutions is to provide financial peace of mind through sound investment strategies, dependability, and outstanding service to our clients.

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All written content on this site is for informational purposes only. Opinions expressed herein are solely those of Retirement Income Solutions, LLC. and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or help protect against loss in declining markets. All information and ideas should be discussed in detail with your individual advisor prior to implementation. The presence of this website, and the material contained within, shall in no way be construed or interpreted as a solicitation or recommendation for the purchase or sale of any security or investment strategy. In addition, the presence of this website should not be interpreted as a solicitation for Investment Advisory Services to any residents of states where otherwise legally permitted to conduct business. Fee-based financial planning and Investment Advisory Services are offered by Sound Income Strategies, LLC, an SEC Registered Investment Advisory firm. Retirement Income Solutions, LLC and Sound Income Strategies LLC are not associated entities. Retirement Income Solutions, LLC is a franchisee of the Retirement Income Store. The Retirement Income Store and Sound Income Strategies LLC are associated entities. © 2020 Sound Income Strategies.

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