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Sound Financial Practices for uncertain times
Sound Financial Practices for uncertain times

Sound Financial Practices for uncertain times

Sound Financial Practices for uncertain timesLeave a comment
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ARTIFICIAL INTELLIGENCE

        OPEN “AI”

 

Open “AI” will be present in every aspect of our daily lives within the next ten to twenty years. It will grow increasingly pervasive as difficulties and setbacks will make for an extremely challenging future to predict. Right now, “AI” is in constant flux. It is putting it’s fingerprints on almost every industry and the impact is still in question.

However, within these arears of concern: “Health Care”, Pharmaceutical”, “Banking”, “Transportation”, “Technology” and “Defense” there will be an incredible opportunity to ultimately prepare for and confidently invest in.

Research and Development

Take the time necessary to read and understand all you can about our changing world and it’s party to “AI”. The radical “AI” transformations to any industry will be the most significant and worthy of the closest looks.

As I’ve stated before, in previous blogs, it pays big dividends to join Investment Clubs, or have Financial Planners recommend individualized strategies designed specifically for you, based upon your risk tolerance and current situation. There are a growing number of FREE publications that cover a wide variety of topics and others solely dedicated to the growing “AI” explosion.

You can go online and read research reports from major financial institutions such as Goldman Sachs, Fisher, Schwab, Fidelity and others. You can find free information on the internet with sites like “Market Beat”, “Gold Century Investing” and “System Trading”.

Ahead of the curve are inexpensive publications such as the Altucher’s Investment Network’s daily report called the “Altucher Confidential”. This publication is backed by decades of research, proven expertise and brilliant forecasting by the legendary James Altucher.  Behind the Markets is another Investment Club backed by founder and CEO, Dylan Jovine. It’s daily report is called “The Daily Revenue”. These reports are dedicated to providing readers with unique investment opportunities.

How to stay financially sound

Remember when investing in the stock market past results are never a guarantee of future returns. You might be worried about a market crash and sell holdings at a loss. Reversely, you might want to catch a ride on a soaring stock that puts you in a position of disastrous risk. If there is one thing history has shown us it’s that no one can consistently predict the market. With that being said, the experts I mentioned above with decades of documented results are undoubtedly the best ones to listen to. Always invest with funds that can be tied up indefinitely without putting any additional stress on your finances.

Recent Successes

I have had a tremendous last couple of years by investing in very specific information found through the Investment Clubs I mentioned here. For me, the “Defense Sector” and “Energy Sector” stocks gave me the biggest gains.

I believe when looking to invest in “AI” Stocks you should look to those companies that: (1) Lead the way in developing edge technology (2) Show a consistent growth in revenue (3) Are critical to the “AI” movement .

In the Defense Sector only invest in companies that have: (1) Breakthrough science technology (2) Defense contractors that already have pertinent contracts (3) Make sure congress has already budgeted the money for any written government contracts

My good fortune

The last stock I invested in has been touted as the “Crown Jewel” of “AI” Investments. This company is the Taiwan Semiconductor Manufacturing Company Limited, (TSM) and is the largest and most respected semiconductor foundry in the world. They have created the fastest “AI” chip in the world and already secured multimillions in orders. Each of Nvidia’s Graphic Processing Units (GPU) uses one of these chips and sells for $40,000. The TSM chip is 30 times faster than it’s predecessor.

Learn more about the Crown Jewel of “AI” by joining one of the Investment Clubs mentioned above.

Final Word

“AI” super computers will re-write the global economy over the next decade. It will clearly power the world’s 4th Industrial Revolution. And, without question grow faster and larger than any before. Experts predict 3 to 5 times larger than the Internet.

 

 

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IT MAY BE TIME TO TAKE “F-L-I-G-H-T”

MORTALCOMBAT

Are you prepared for the next “WAR”?

One thing’s for certain, the war in Europe between Russia and Ukraine will be the last of it’s kind. Uncalculated death and destruction will not be the norm any longer. The future will bring an unfamiliar but completely deliberated essence to war.

That being said, is there only one story to the future? Who has made up this story and if it falls into the hands of anxious and immature adults can it be more destructive than good? Of course it has not been lived yet, but an educated mind can foresee many things yet to come. This blog is is not being written to convince or convert someone to a particular point of view or to suggest specific actions. Furthermore, it is not my intent to prepare us for either a dignified death or a dignified life. I’m actually looking to inspire and encourage thought provoking insights.

I don’t think older adults realize the strengths they have or the advantages gained from age and experiences. In many ways they are doing far better than younger people. Many of us do realize this; however, some forget the time for living is now and always will be.

Investigative research

21st century warfare will include a tremendous amount of manpower, knowledge, foresight and artificial intelligence. Can understanding this new concept for future wars lead us to a better life? In fact, it may be time to take flight, or better yet, time to take action. I believe the future of warfare will lead to tremendous opportunity for financial freedom.

“THE USE OF KILLER INSTINCT”                                                                         Undercover Spys

The Defense Sector

According to Dylan Jovine, CEO of “Behind The Markets” there are growing opportunities in today’s “Defense Sector” with a select group of companies that are currently rejuvenating the stock market.

For me, this means extensive research into those companies that show breakthrough scientific technology, have a head start into the development of artificial intelligence and most importantly have defense contracts with various branches of the military.

Imagine new technology from a company that can produce a missile which can travel over 25 times the speed of sound. That’s nearly 20,000 mph and over 90 miles per minute. But, that’s not all it can do. This missile can turn on a dime, change it’s course and be controlled remotely.

One such company is a small enterprise that has produced a “Hypersonic Missile” which has impressed our government and landed a sizeable grant to start mass production. More importantly, this company edged out larger enterprises such as Boeing, Lockheed Martin, General Dynamics and others. But the most significant thing they have done is contracted orders for their missiles from all four branches of the military.

A good place to begin researching this information for yourself is “Flight Global”, the global aviation community’s primary source of news, knowledge, insight, data and analytical expertise. There you will find the company I’m touting and perhaps expand your search to discover multiple opportunities with upside and promise to invest in. It is important to note that there will be various companies leading the way into the future of warfare. However, those backed by government funding and holding contracts from the military will most likely outperform the rest.

I believe the big winners in this sector will bring expanded “Artificial Intelligence” to ultimately defend future aggressions towards our homeland. There will also be the leader in “Drone Technology” getting huge government and military contracts.

The future will leverage decades of worldwide experience, world class engineering and a powerful development of highly innovative products.

“AI” = Artificial Intelligence

Today there is way too much hype about AI and, dangerously so when it comes to investing. Here are some well read syndicates quotes: Barron’s: “AI Stocks are soaring. It’s a feeding frenzy!” MarketWatch: “AI is dominating the action in the stock market right now.” yahoo!finance: “The AI Revolution is here: Will you be left behind?” Forbes: “Artificial Intelligence is going to change our world.”

Bill Gates, Jeff Bezos and even super investor Warren Buffett are all on board. Billionaire Mark Cuban said: “The world’s first trillionaire will be someone who can master AI.”

Important disclosure

Always keep your sights on the job at hand. Remember, investing involves substantial risks including and not limited to the possibility of the loss of principle. Past performance is never a guarantee of future results. You must always invest responsibly either by performing your own analysis or consulting with your personal licensed and registered financial advisors.

If you want to use your own judgment, investment clubs and syndications are the best way to find out generalized educational information about investing.

Counter-Culture

You can read a warning about “The Great Unraveling” taking place in this country. You can find this in a report titled: A National Divorce presented by Stansberry Research.

Wonder

Have you ever considered our relevance to the world we live in? Could it be we use this relevance in some way as a defense against stress, turmoil and anxiety? The issue here is whether we should be and can be more interested in the subject of our existence or our social existence. To understand that it is important in a historical continuum. Man has evolved with both a mental and spiritual development in regard to his place in history or his significance of what is yet to come.

For some of us uncertainty can lead to fear and anxiety. As I see it, the unknown can be approached as a process leading to deep thought and consideration. There is tremendous opportunity for open awareness, discussion and profound enlightenment.

Usefulness of awareness

Is it possible to master the art of awareness? I imagine anything is possible. And, this is why my life has been a series of questions and answers. Some of the answers I have come up with are not always correct, but asking the questions, for me, is extremely pertinent. Researching the answers is always compelling, enthralling, time consuming and sometimes easier said than done.

It is such a relief to dismiss questions by finding great knowledge, conceived ideologies and worldly views on just about any subject. So why not question every possibility…..?

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What can we do to fight Inflation

The T*pster 2018

Staying calm during uncertain times

Soaring gas prices, grocery bills doubling, stocks in a seamless never ending downfall and interest rates reaching levels not seen in decades are surely disturbing if not to say devastating to most people.

Most older American are both confused and perplexed by the financial demise of their bank accounts and retirement portfolios.

Some signs have been encouraging over the last couple of months; but, to think global and domestic economic problems will recover quickly is not practical nor helpful in any way. Optimism about the near future is not what this article is all about. However, we definitely need to change how we think about this crisis and what we do about it.

I promise to quote some important financial minds and economic experts concerning the immediate future.

The midterm elections

Most older Americans would tell you that the results of the midterm elections were surprising, at the very least. Largely driven by the voice of younger voters, it could just be a look at the future of voting in this country.

Many older voters found themselves faced with new laws within their individual states that dictated how, where and when they could vote. This definitely had an effect.

Older voters have always been a driving force in our country’s elections. These voters are typically more informed and decisive.  For future reference one should go to their state’s governors website to get updated information about new voting laws established in their state.

The deadline to vote in most states is mid October but not all. I know in New Jersey to vote for November 8th elections you have until October 18th to register.

The importance of staying the course

The stock market has never been a short term fix for over 99% of all investors through the years. Unfortunately, for most, right now the ride seems way to turbulent and a desire to get liquid overtakes traditional wisdom.

However, it is critically important right here, right now to stay the course. Don’t even think of the short term as scary as that is, but focus on the long term. Remember that despite the setbacks, stocks have more than tripled over the last ten years.

Recovery and what to do next

The fact is, over the first six months in 2021 the market dropped nearly 25% and this was the first time we were in “Bear-Market” territory in over a decade. Still down nearly 20% as the year ends if you are in retirement or almost there the pain and loss can be overwhelming.

So, what are we to do?

Re-evaluate your stock and retirement portfolios. Think only of the long term and diversify your holdings to balance your risk and reward levels.

Why a weak January 2023 may be a good thing

The Dow Jones Industrial Average has ended January down 15 times since 1998. If the trend holds once again, investors are in store for a dismal start to 2023 and after a brutal 2022 and gut wrenching December.

But not all hope is lost. According to Matthew Carr, Chief Trends Stategist of The Oxford Club, over the last 25 years, January has been one of the worst months for stocks. In fact the only month more dismal for equities during that same time frame is September (notorious for its swoons). He does admit that things were much different in the 1990s, but times change.

Is There a Reason to Rally?

Few trends, are absolute. The Dow has posted some strong performances in January during the past quarter century….. like 2012, 2013, 2018 and 2019.

Remember, December tends to be one of the best months for equities. Steep sell-offs during the month, much like we just witnessed are rare. But when they happen, it often leads to uncharacteristic rallies in January.

This pattern isn’t universal, of course. Half of all December sell-offs we’ve seen in the past 25 years did continue through January. That includes January 2003 and January 2009 smack-dab at the end of two of the last three “Bear Markets”.

From a broad market perspective, the outlook for January 2023 is probably not the fresh start investors were hoping for. Technicals, are also pointing to more pain ahead.

The upshot is that a steep sell-off continues in January which pushes those October 13th, 2022 lows – will trigger a rally.

Don’t try to time the Market

Though people think they can somehow pick the best time to buy and sell stocks, I’ve seen far more guess wrong than right. Even the so-called experts get it wrong enough times to make it necessary to control your behavior.

Why take unnecessary risks. Don’t reach for unsafe interest and dividend yields. Companies that pay high yields and dividends are always more risky. Both high paying dividends from General Electric and General Motors cost investors dearly in 2019 and 2009 respectively. High yield bonds are referred to as “Junk Bonds” for a good reason!

However, the T*pster says, now more than ever before, balance your portfolios. This can be done by balancing your stock holdings with safe bonds and other fixed-income investments such as various out performing annuities.

Do take a chance on some stocks, but make sure you have multiple endorsements from professional money managers.

Seven out of ten economists surveyed by Bloomberg are forecasting a recession this year. But it’s good to remember that the market is always forward-looking.

I believe that the market has already priced in a recession and now its sight are set upon a recovery. Will that take place in January? Or, will the bottom be pushed even further during the first half of 2023.

In Conclusion

I have presented key questions and even more optimistic answers that you, as individual investors, need to find out for yourselves in the new year.

It just might be the appropriate time to join an investment club if you haven’t already. I belong to The Oxford Club and for the first time ever, Alexander Green, Chief Investment Strategist, is set to reveal his #1 investment for 2023.

Finally, do not keep all your money in cash; but do keep enough to sleep peacefully at night.

Markets will recover and capitalism will more than survive.

 

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MONEY MATTERS – A FINANCIAL REPORT


  EVERY SPRING MY FRONT YARD BLOSSOMS

$$$$ YOU BETTER BELIEVE IT $$$$

MONEY certainly does matter! 

While the covid-19 virus and various strands with lesser but still devastating oppression seem to be calming down, the world wants to return to normalcy; but, we’re not quite sure how to go about it. The new administration, faced with the largest inflation experienced over the past twenty years, seems indecisive and stubborn. They have clearly underestimated the cost of this pandemic and the essentiality of impending legislation.

The fact is, most families are either buried in credit card debt or recklessly unaware of the disruptions happening within and around them.

Can the government be foolish enough to continue to subsidize it’s people with checks that insult the working class and encourage those already collecting unemployment benefits to continue to do so! And, if so, can we the smart ones look to do something with this currency.

INVESTING, historically speaking…

As it’s been throughout the history of the stock market, the time to invest or “re-invest” is when stocks have been depressed and are approaching their all-time lows.

As it’s been throughout time people that take action, reap the results of their zealousness.

Right now, the three biggest stories running are (1) Inflation: especially the rise in food and gas prices (2) The war in Ukraine: especially concerning refugees and the Russian threat to surrounding countries (3) Abortion Rights, Mental Health, Guns, and Climate Change or the incompetence of the Supreme Court, Senate and Congress inclusively.

At least the Feds have adjusted interest rates, which by their own merit have created investment opportunities.

ANOTHER worthy T*psterism

I’ll let you in on a little secret…… The three big stories aren’t separate, and they certainly aren’t independent! In fact, they’re “ONE” story – and a big one at that. As a single identity, they represent a single narrative which consummately needs to be viewed as a single threat.

This is most certainly how mass media sees them and how Wall Street treats them.

A threat to the stability of both the U.S. and Global economies. Ultimately, a threat to the American financial market, which remains the most powerful in the world.

Furthermore, a threat to investors both individual and institutional who simply don’t get it! Unenlightened investors who just can’t seem to understand. Those who are uncertain of what’s really happening will remain crippled by their fears.

“It‘s just ONE THREAT and that’s all you need to remember when attacking it!”

******************************************************************************************************

The buying power of the new Global Middle Class

Even though the pandemic erased a year or more of its growth, the global middle class since 2010 has grown at a rate of nearly 50 million people per year and has reached an incredible 1.5 billion worldwide. By 2030 that number will look more like 5.5 billion: this according to the European Commission. 

Consumerism:

Middle-class consumers will drive economic growth and consequently the health of their countries and financial markets.

This is truly a big deal and especially over the long term, as economics is and always will be about “Supply & Demand”.

Inflation

Inflation is the uncontrollable result of scarcity. Wars, drought and other less important elements can lead to scarcity. It’s certainly obvious that over the remainder of this decade there will be a rising global scarcity of food even as demand rises. That frightening statement can paralyze or jump start your actions.

On its face, that sounds scary. However, if you understand the consequences of the scarcity ahead of time you can act to prepare and protect yourself. Yes, and you can profit from your actions, possibly creating meaningful wealth for you and your family.

By weaving together your intelligence and desire, you can use multiple resources at hand to discover new insights and fresh perspectives to enrich your life. The incomparable value of the internet and various outstanding professionals create a welcoming atmosphere to assist you. Consequently, you can find detailed answers to demanding questions enabling you to focus on the wonder of the world before you.

I firmly recommend joining longtime established investment clubs such as the “Oxford Club”. Without question they are worth the yearly dues hands down. On the free side there are various investment firms with an abundance of information. The latter requires much more work and determination, not to mention intelligence. Just remember, passion keeps you going but it doesn’t pay the rent.

The war in Ukraine

All wars, whether foreign or domestic lead to consequential manifestations and realities. This is an absolute fact and determination of the differences can be troublesome to say the least. That being said, today, depending on what news source you are listening to the differences are incredible.

However, whether or not the war in Ukraine is responsible for inflated gas and food prices the fact remains evident that these things are happening, concurrent to the war.

The government’s response

When hate motivated attacks on undeserving individuals and communities overwhelms the news again and again in this country the actions of a few cannot eliminate the despair of many. Mental Health can’t continue to be the reason for all this hate. Weapons of mass destruction, owned by individuals, was never the aim of the second amendment to the Constitution of the United States of America.

Depending on politicians to enlighten us can be risky business. To outmaneuver the government is certainly recommended.

“Actions speak louder than words” is a quote older than time. Take a real look at the procrastination of our government. The pretension of awareness from our senate and the downright partisan and contemptuousness of our supreme court justices.

The path of the righteous

Actions must be an antidote to despair and the fear of governmental inhibitors. I’ve discovered over the last decade that my own intelligence nurtured with the actions of others much more intelligent than I have given me great focus and resolve.

Maybe the biggest lesson I’ve learned is that there are no magical heroes. If we can’t or won’t help each other there will be no tomorrows worth living. But, if we all do what we can, it can make an incredible difference.

The “Promised Land”

Before Martin Luther King Jr., was taken from this earth meaninglessly in 1968, he spent his final night preaching to a packed church in Memphis. He spoke about his life like he was giving his own eulogy. He acknowledged that there had been threats on his life, but that didn’t matter. “Because I’ve been to the mountaintop,” he said, “and I’ve seen the promised land. I may not get there with you. But, I want you to know tonight, that we, as a people, will get to the promised land.” The feeling in the church when he said these words had to have been indescribable.

I only wish I was there.

Every year I celebrate Martin Luther King Jr. on his birthday, because he was truly a righteous man and a gift from God. Every April 4th, I mourn, because that gift was taken away.

__________________________________________________________________________________

Safe but never Sorry

As for the T*pster, I’m waiting and watching for my next breakout opportunity. And, for those of you wondering if I would make a recommendation for an event like that, I’m not ready to risk any of your hard earned money right now.

However, to be safe and totally without worry, why not follow a well known billionaire’s approach to worldly fortune and wisdom. All Warren Buffett does all day is read, READ and R-E-A-D.

If you had invested 10K in the S&P 500 in May of 1965, when Warren Buffett took the helm of Berkshire Hathaway, and re-invested the dividends, it would be approaching $2.75 million today. Not too bad…..huh?

So, what can you buy in this market with absolute confidence that is totally safe, conservative and without worry? One answer, for certain, is Berkshire Hathaway: (NYSE = “BRK-B”).

When you own a share of Berkshire Hathaway you posses stakes in both public and private companies, including Coca-Cola, Verizon, Geico, Procter&Gamble, UPS, Duracell, Dairy Queen, and General Motors just to mention a few. The fact is, BRK-B is up over 4% in 2022 while the S&P 500 is down nearly 6%. Why people doubt Warren Buffett’s knowledge and insight totally baffles the T*pster.

In Conclusion

The media is continuing to feed you massive amounts of misinformation. Wall Street certainly doesn’t have your backs and U.S. Politicians promise exactly what you want to hear and do little to nothing to make that come to fruition.

Unfortunately, the stock market’s a mess and some stocks will drop further still. But others could be gearing up for an explosive recovery. The Oxford Club’s, Alexander Green, is searching for the next big catch on “Insider Trading”.

Places I like to investigate include: “fastfortuneclub.com” and “moneymappress.com”

 

 

 

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What’s That You Say

    “Clemmie please………”

 

…yes, Fonse this is for REAL!

The electric vehicle revolution

The electric vehicle revolution is not just about cars. It’s about engines guzzling gas and the eventual overhauling of everything under the hood. Let’s face it, electric vehicles are the future. We’ve come a long way and the future is changing every day.

Gas consuming vehicles polluting the earth are about to see their own demise. There’s a lot of support for “clean energy” right now. Biden and his new administration have a very progressive congress looking to change the landscape of the world for future generations to come.

Unfortunately, for some very huge corporations and even nations who haven’t diversified these changes, now in sight, will result in billions of dollars lost. Oil exporting nations, oil companies around the world and businesses that produce combustion engines and components will be consumed. Only those companies that are willing, and more importantly, able to evolve into clean energy producing manufacturers will survive.

This means the loss of millions of jobs in those factories and all traditional auto repair facilities. You ask: “What about muffler and transmission specialists?”………..I’d sell those stocks sooner than later!

Electric vehicles don’t have engine blocks, pistons, rings, valves, coils, spark plugs, injectors, fuel pumps just to mention a few components!

The Tesla electric “Drivetrain” has less than 20 components while a typical gas engine, transmission, has around 200. Electric vehicles have far fewer moving parts, whether it be an automobile, truck or bus. This proves to be the most important and practical evidence that the future will be an electric one.

Crazy money

Now on the wings of this clean energy movement many capitalists will venture into the market of electric vehicle manufacturers and new evolving technologies associated with them. Companies that will emerge as the leaders in the coming months and years ahead will be those best rated by both statistics and value.

I’m talking here about auto, truck and bus companies who will break new boundaries for battery range and cost effectiveness. Large legacy companies will be using their size and creative reconstruction to capture huge sales and returns. This means the GM’s and Fords of the world.

Companies in China and Europe have put 1.3 and 1.4 million electric vehicles on the road in 2020. Germany on its own finished 2nd to China with the U.S. coming in 3rd. Volkswagen has been ahead of the field extending vehicle range by 50% and cutting charging time to a mere 15 minutes.

It has been forecasted that the electric vehicle market will reach $1.5 trillion within the next ten years. Crazy money will be made by those investors buying equity shares in companies that will drive the future of these vehicles. On the other hand, money management firms will short shares of those corporations destined for their demise.

Where will the money be going?

The trillions of dollars will be awarded to those emerging companies producing the new technologies driving this revolution. Companies manufacturing the electronic components necessary to advance the growth of the industry are most critical. My top ten list of companies would include makers of:

1) Batteries and Battery Development

2) Charging Stations

3) Thermal Systems (Cooling)

4) Transmission Replacement Technology

5) Electric Traction Motors

6) Computerized Electronic Controllers

7) DC/DC Converters

8) New On-Board Charging Systems

9) Vehicle Charging Ports

10) Traction Battery Packs / Auxiliary Batteries

Already The Future Holds:

Traction Battery Packs store all of the electricity for use by the Electric Traction Motors. Auxiliary Batteries power computers and accessories such as windows, sunroofs, stereos, A/C and heaters. The vehicle’s charging ports and charging stations are self explanatory.

The Electronic Transmissions transfer power from the Electric Traction Motors to the wheels. However, some electric vehicles have already eliminated the need  for a “transmission” by attaching their Electric Traction Motors directly to the wheels. This is often referred to as the “Drivetrain”.

Thermal Systems maintain temperature ranges of all electronic components.

A DC/DC Converter converts high-voltage direct current (DC) from the Traction Battery Pack into low-voltage direct current (DC) to power the accessories by recharging the auxiliary batteries.

Finally, an On-Board Charging System takes incoming alternating current (AC) from Charging Ports and converts it to direct current (DC).

Where are we now?

Electric vehicles are just out of the starting gate, but technology is advancing at a pace that is hard to truly comprehend. Based upon today’s tremendous computing power we will be amazed at the advancements over the next decade.

Batteries, in my estimation, are the keys to a future that will never look back again.

Lithium-ion batteries which consist of only four components: 2 electrodes (an anode and a cathode), a liquid electrolyte that moves the ions between the electrodes, and a separator keeping the electrodes from touching are powering most of the current electric vehicles. However, scientists and chemists are hard at work to advance this technology experimenting with new cathode materials such as aluminum and iron to make lighter and less expensive batteries than the cobalt, nickel and manganese ones being used already.

I’m also tracking the development of a new technology that could change the future of the “clean energy” revolution forever. This includes technologies that will reduce the use of heavy amounts of graphite needed to store lithium ions. Various small, independent companies have sprung up using labs working with materials to make solid-state batteries that will do just that.

I’m really excited about a small company that is currently manufacturing a battery they call the “Quantum Glass Battery”. This may change the landscape of battery manufacturing and send the market for this technology into overdrive.

I’m certain that the future will include a battery capable of taking a vehicle 1000 miles on a single charge and also  able to fully charge as quickly as your cell phone. This battery will be much more cost effective. It will be smaller, lighter and longer lasting than anything on the road today.

Where are you going?

Never underestimate the power of fate and destiny. As we get older we definitely slow down; but, the surge in mental awareness is incredible. We now have the courage to admit what we want and the knowledge of how to get it. Yielding to our wisdom is remarkably simple as we now “know what we know” and can trust our intellect. Most importantly, using our minds has become as simple as habits like taking a daily run or drinking a cup of coffee.

Dear Brother

We have been blessed with the care of loving parents, had a very privileged upbringing and acknowledge these truths. Pops was our truest critic applauding our successes and pointing out our failures. He gave us the freedom to discover our own selves. In his memory and with mom’s continued love we have made the value of our family imperative.

I honestly believe that Pop wanted to write his memoirs so we could understand his childhood and even to reveal his inner self to us. I know that Renee has his last written words and some cassettes he recorded. I wish he was here so I could put his words down for him and help him finish what he was unable to do.

I hope this blog has given you a reason to read others I’ve written. I’d love to get some feedback from you. Remember, you’re not just my older brother you’re also someone I really admire.

Life is too short and the time we have left is precious.

 

 

 

 

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Wealth Building Investing

A Note To My Friends

T*psterisms are: Meaningful teachings that the T*pster loves passing on to all his friends, old and new. Nothing more, nothing less, just lessons already learned by trial and error. Hopefully helping to make things a little easier and a bit more fulfilling.

A Pyramid Approach

All successful investing starts by admitting that uncertainty will always be a part of the equation. Hence, there is no perfect strategy. However, there certainly is a strategy to employ when it comes to dealing with your new found friend, uncertainty.

The fact is, your strategy may change as your needs change or as father time changes your tolerance for risk. This is where I believe your pyramid begins to define your strategy. Through your past, to the present and into your future.

Building your pyramid

If you take your life and all its holdings and list them out on a piece of paper starting at the bottom of the page with the most abundant things you possess (like food, clothes, books, etc., etc.) working your way up the page to more valuable but limited possessions (like jewelry,vehicles, keepsakes, etc.) all the way to the very top which would hold just your most valuable possession like a house or possibly more……

Near, or at the top of this pyramid will also be your esteem or profession. You may value yourself at the top of your pyramid and there is no reason that shouldn’t be. This is to say that without you all the rest of the blocks in your pyramid would be unstable and in danger of collapsing.

The key to this exercise of building your pyramid should now come into focus. We can’t get to the top without building a strong foundation. Stay with this principle and investing can be easier than you ever thought possible. It all starts with a strong foundation!

Keys to Success

There are really just “Five Keys” to what I describe to be a winning Investment Strategy.

1) Having the means to begin investing

2) Learning how to yield the highest return with the lowest amount of risk

3) Finding the best research online today

4) Protecting your profits

5) Cutting your losses

Diversification

Until you have properly put together a diversified long-term portfolio you cannot implement my speculative short-term approach to wealth building. This can be done through a 401K at your place of employment or by building your own IRA’s with help from the likes of Fidelity Investments or various other investment firms. Do not go this alone; and, heed my warning that all that glitters is not gold.

This long-term “Core” portfolio must focus on diversification of assets. So, this doesn’t mean three or four of your favorite tech stocks! Asset allocation means spreading your holdings across various asset classes. Some stocks, both small and large cap, some bonds, both long and short term, and various mutual funds both domestic and foreign.

Your very unique asset allocation allows you to boost returns while limiting your volatility. Most often, the more diverse your allocation is the safer and consistent your returns. In other words, the more diverse the easier you feel about it.

It’s all connected

Just remember, your past, present and future are all connected. This past year the pandemic gave us eerie insights to a world of changes and uncertainties. More importantly, those who would forget the past are doomed to repeat it! But, those that embrace and clearly define the past can benefit from it, and garner all they can from it because, it led us to where we are today.

Remember, we came into 2020 riding on the waves of a strong economy and a raging “bull” market. 2019 posted whopping returns in the Dow Jones Industrial Average, S&P 500 and the Nasdaq Composite. Equities were at all-time highs in February 2020 to no one’s surprise.

Then suddenly the corona virus pandemic hit and with all the might of an out of control tsunami. But, investors seemed to hit back even harder. It was quite surreal and almost mind boggling.

What continued through the spring and into the summer, with brief and minor adjustments in September and October was encouraging and incredibly heroic in its own right. Quite possibly the greatest lesson I have ever witnessed in all the years of my investing. That is why we must remember 2020.

First and foremost, the Federal Reserve came to the rescue. The opening of the purse strings so to speak. Sending massive amounts of stimulus checks, additional unemployment compensation and small business loans with incredible income forgiveness out to frightened and desperate Americans. These Americans, some stuck at home, others isolated and looking for an answer to their dilemma decided that this money wasn’t enough to make a significant difference. Consequently, many took the funds and reinvested this money. This was extremely true of younger Americans that took those stimulus checks and decided to bet on the future. Young first time investors opened millions of new brokerage accounts and poured millions of dollars into the market.

Retail investors, instead of selling out, helped launch a bull market by buying with their free trading apps all through the February and March plunge. Institutional investors then followed that lead and backstopped each upward thrust, chasing those same stocks and generating tremendous momentum. This, of course, invigorated retail investors even further.

Even though most of the “value” stocks being scoffed up didn’t have great earnings they were now cheap and first time investors were ready to leap. “Cyclicals” were next and at prices that many investors were looking for. Finally, institutional investors had to buy everything the retail investors had bid up so they didn’t look foolish and left behind.

At the end of 2020, set up by the Feds, many new retail investors rushed to build a stock portfolio and good old American optimism ruled the Market.

This is where we are

This can be a starting place as good as any heading into a new year with a pretty solid foundation under our feet. The equity markets are not to be feared. While some valuations may be getting a bit stretched, others are still ripe for the choosing. The pursuit of meaningful wealth can and should be one of your goals for 2021.

Why might this be the year to invest? Will things really ever be perfect? Not likely, and that’s because uncertainty is always a given. Yes, some valuations are getting stretched, but that might lead to another correction like we saw last February and March. Any good dip in the markets will trigger another solid opportunity to jump in. And, as vaccine distribution and the coping with covid-19 gets significantly better the economy will follow suit with a slow but steady recovery.

Where we want to be

I’m delighted you have made this decision to join me in a pursuit of meaningful wealth in 2021. Where we go can be down different roads, but the main highway will lead us to our destination.

Many promising paths

The travel industry could be set to explode this year. After a beating down in 2020 those companies that have managed not to buckle under will have the wind in their sails sooner than we might even expect. Most of the companies that remain, allowed customers to postpone and reschedule as travel bans and lockdowns get lifted. This means that there will be a backlog of bookings just waiting to happen. Furthermore, on top of the old bookings to be filled many millions of us are going to book new travel plans as our escape from the year of seclusion we’ve been subjected to.

Prior to the global lockdowns international tourism was up over 10% from the previous year, which translated to nearly $9 trillion. After covid that number plunged by 80%!

I believe there will be so much demand for travel, whether for work, vacations or just to get away for a while. Consequently, the rebound in global tourism should be enormous. This leads to other company booms such as hotel and lodging, car rentals, travel agencies and ticket sales industries.

Could Expedia Group, Inc. (Nasdaq – EXPE) or, perhaps Airbnb Inc. (Nasdaq – ABNB) be poised for the bulk of this travel activity to come? This investor believes so.

Others claim with Biden now in the Whitehouse and a very progressive congress at his disposal, clean energy companies are worth investing in right now. Mike Porter, a founding partner of Stansberry Research, Inc can educate you on what he thinks can be the number 1 move financially in 2021. Go to: (stansberry.go2cloud.org) to hear this powerful man who does not mince words and doesn’t aim to be politically correct.

Help along the way

I personally use Fidelity Investment Research, The Oxford Communique with Alexander Green, The Money Map Reports and Money Morning Reports from the Money Map Press.

I recommend the book, “Beyond Wealth” by Alexander Green, a chief investment strategist. And, I wholeheartedly suggest joining the Oxford Club at: (www.oxfordclub.com/contact-us) or call (800)992-0205.

My success

Most of you who know me now know that I made my biggest reward when I invested in Tesla three years ago. It seems General Motors is to begin making electric cars to compete with Tesla. Tesla stock is off the charts and continues to rise against all odds kind of like a magical mythology tale. GM has had a very nice run since November 2020. Ford and Volkswagon are about to unveil tremendous new electric vehicles which should give them a large boost in the market as well.

What I see down the road is the development of the “Quantum Glass Battery”. Already in existence and being massed produced as you read this. I’m not ready to leap, but instead have just sent for a copy of Matt McCall’s “The Secret Battery”. Until I research this further, I will hold off on any recommendations except, that I believe you too should send for this book.

Investment Clubs

Joining investment clubs is sound advice and fully recommended. Most older clubs are worth their advice in gold. They are designed to help increase and protect the wealth of their members.

Make your New Year’s Resolution to join at least one and dominate the markets with explosive profit opportunities.

In Conclusion

Warren Buffett, commonly referred to as the “Oracle of Omaha” and renowned investment genius, has amassed his fortune by using a simple strategy. He only buys stocks that exhibit these fundamentals: 1) strong earnings power 2) continued growth 3) industry leaders or the potential to be so. Furthermore, he only buys these companies when their stocks are trading at a discount to their intrinsic values.

This is why the information that is readily available is critical to your success. Do the research and reap the rewards. You can never have enough information so just keep reading and learning.

Joyful, steady and prosperous investing is my wish for you all. T*pster smiling at yas…………..

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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