The below highlighted news links and articles have been hand-picked by your WealthCoaches™ or are featuring your WealthCoaches™.
Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product, or any non-investment related content, made reference to directly or indirectly in this publication will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this publication serves as the receipt of, or as a substitute for, personalized investment advice from FirstWave Financial. A copy of the FirstWave’s current written disclosure statement discussing our advisory services and fees is available upon request.
FirstWave Financial and Dimensional Fund Advisors (DFA) are not affiliated and any DFA article shared should not be considered an endorsement of Dimensional’s RIA. FirstWave Financial is not responsible or liable for the content of their articles and makes no guarantee as to the accuracy of the information contained within.
October 11, 2021 – Will Inflation Hurt Stock Returns? Not Necessarily.
Current financial headlines are dominated by alarm bells about the recent increases in the prices of goods and service (inflation) and further warnings that it is going to get worse. We can certainly see and feel this upward trend in the cost of everything from gas for fueling our cars, to electricity for heating and cooling our homes, to food for filling our bellies, requiring more of our financial resources to live day to day.
But what about the effect of inflation on stock values? The following article written by Dimension Fund Advisors includes a summary of the annual performance of the S&P 500 and the annual rate of inflation for each of the last 30 years. As the article states, “A look at equity performance in the past three decades does not show any reliable connection between periods of high (or low) inflation and US stock returns.”
This is yet another reason why maintaining a diversified investment portfolio designed in coordination with your unique investment plan increases your likelihood of a successful investment experience during these periods of uncertainty. Please feel welcome to speak with your FirstWave Financial WealthCoach about this or any other matters you may wish to discuss.
June 9, 2021 – YOLO, Meme, and EMH: What’s your investment style?
Meme stocks – What are they? Are they for you?
AMC, GameStop, Reddit, Robinhood, Meme stocks. Even as long-term investors who deliberately ignore the latest investing fads, you cannot help but see these names in recent headlines around social media created stock volatility. Are these social media investors upsetting proven principles of investing or is their internet-based trading just a faster way to facilitate speculative gains and losses, like on-line gambling? The attached article by Dimensional Fund Advisors addresses this question and more. Please feel welcome to speak with your FirstWave Financial WealthCoach about this or any other matters you may wish to discuss.
March 18, 2021 – To Bit or Not to Bit: What Should Investors Make of Bitcoin Mania?
Bitcoins and other crypto currencies have certainly created quite a stir, and not just in the digital world of gaming and virtual reality. The article below by Dimension Fund Advisors explores the characteristics of these new currencies and the role they may play in a diversified investment portfolio. Please feel welcome to speak with your FirstWave Financial WealthCoach about this or any other matters you may wish to discuss.Download Article
January 6, 2021 – Market Review 2020: Looking Back on an Unprecedented Year
The year 2020 proved to be one of the most tumultuous in modern history, marked by a number of developments that were historically unprecedented. But the year also demonstrated the resilience of people, institutions, and financial markets.Download Article
July 13, 2020 – 10 ‘Hot’ Dividend Stocks Backfire on You And Warren Buffet
April 17, 2020 – History Shows That Stock Gains Can Add Up After Big Declines
March 17, 2020 – An Update from Dimensional’s Co-CEOs on COVID-19 Response
Being prepared for a wide range of outcomes and adapting to new information is the Dimensional way.Download Article
March 5, 2020 – Tuning Out the Noise
For investors, it can be easy to feel overwhelmed by the relentless stream of news about markets. Being bombarded with data and headlines presented as affecting your financial well-being can evoke strong emotional responses from even the most experienced investors.Download Article
January 24, 2020 – How Markets Work and the FAANG Mentality
Is the market getting by with a little help from the FAANGs? And does their performance stand out historically? Investors may be surprised that it’s common for a subset of stocks to drive a sizable portion of market returns.Download Article
October 15, 2019 – Medicare open enrollment is underway. Here’s what’s new and what to watch out for.
It’s the time of year for people on Medicare to give their coverage a checkup. The program’s annual enrollment period runs from Oct. 15 through Dec. 7, which is when you can make changes to your coverage that will take effect Jan. 1.Download Article
June 19, 2019 – Federal Reserve expresses concern about U.S. economy and signals interest rate cuts are likely
The Federal Reserve on Wednesday raised concerns the economy is slowing and sent its strongest signal to date that it could act soon to cut interest rates, a move that would plunge the central bank into unusual territory.Download Article
March 14, 2019 – Trump Outlines A Significant Security Cut to His 2020 Budget.
This past Monday, March 11, President Trump unveiled his fiscal 2020 budget proposal for the federal government.Download Article
December 28, 2018 – Here’s the Prescription
As much as I value the unfettered access to information the internet provides, I recognize the potential harm that too much information can cause.
June 13, 2018 – Foreign currency? No thanks. Investors prefer their own currencies and the US dollar
Globalization and integrated financial markets allow companies and investors worldwide to work together more closely—but investors still strongly prefer to buy assets in their own currency or in the US dollar.
February 09, 2018 – The Importance of Uninsured/Underinsured Motorist Coverage
Although uninsured/underinsured motorist coverage is slightly more expensive than the minimum coverage required by Florida law, it is absolutely essential in a time of need.
July 24, 2017 – 5 Ways White House Can Use Its Muscle To Undercut Obamacare
President Donald Trump has vowed to “let Obamacare fail,” after legislative efforts to undo the Affordable Care Act have stalled.
April 20, 2017 – Number of People Collecting Unemployment Checks Hits 17-Year-Low, Jobless Claims Show
The number of out-of-work people collecting unemployment checks fell to a 17-year low in April, underscoring the strongest U.S. labor market in years.
January 15, 2017 – 10 Quick Facts About the Upcoming Tax Season That You Need to Know
Ready to file your tax return? Forbes provides 10 facts about tax season that you need to know.
December 6, 2016 – 9 Tech-Friendly Gifts for People Obsessed with Travel
While we can’t help you shop for everyone in your family, we can help you choose a gift for the travel-lovers on your list. Whether they travel for business or adventure, here are 9 tech gifts for the globetrotter in your life.Download Article
October 31, 2016 – Hudson’s Booksellers Announces the Best Books of 2016
Hudson Booksellers, a brand unit of travel retailer Hudson Group and one of the most prominent book retailers in the country, has announced its list of the Best Books published in 2016.Download Article
August, 2016 – History on the Run
When news breaks and markets move, content-starved media often invite talking heads to muse on the repercussions. Knowing the difference between this speculative opinion and actual facts can help investors stay disciplined during purported “crises.”Download Article
June, 2016 – 10 Reasons to be Cheerful
Do you ever listen to the news and find yourself thinking that the world has gone to the dogs? The roll call of depressing headlines seems endless. But look beyond what the media calls news, and there also are a lot of things going right.Download Article
January, 2016 – 2016: 10 Predictions to Count On
The New Year is a customary time to speculate. In a digital age, when past forecasts are available online, market and media professionals find it harder to hide their blushes when their financial predictions go awry. But there are ways around that.Download Article
November 13, 2015 – Sen. Warren blasts annuity sales incentives
September 16, 2015 – Dimensional Fund Advisors posts 77th consecutive month of positive sales
While FirstWave Financial has been using DFA’s funds and investment principles since 2003, it appears others are now beginning to see the light.
August 26, 2015 – 5 Things Investors Shouldn’t Do Now
Stocks slumped world-wide this week, with U.S. and European markets off more than 5% and the Shanghai Composite Index losing more than 11%. Oil prices also skidded, dropping more than 6%. Traders feared that slowing growth in China, the devaluation of the Chinese currency and the overhang of too much debt could stifle global economic recovery. Here are five things you should know about how not to react.Download Article
July 23, 2015 – Greece is the Word
In recent weeks, the world’s markets and media financial pages have focused intensely on the standoff between debt-laden Greece and its international lenders over the conditions of any further bailout.Download Article
Feb. 18, 2015 – Has The Trend Toward Later Retirements Played Out?
Since working longer is the key to a secure retirement for the vast majority of older Americans, it is useful to take a look at recent labor force trends.Download Article
Feb. 17, 2015 – Retirement: Boomers Want To Keep Working – If They Can
George Fraser has had a hugely successful life. At 70, the former corporate executive is a successful author and speaker, traveling 200 days out of the year and logging 250,000 air miles.Download Article
Feb. 2015 – When Underperforming The S&P 500 Is A Good Thing
As financial advisers roll through annual client reviews, many will be experiencing a similar task of having to explain how their portfolio strategies so badly lagged the 13.7% gain by the S&P 500 Index last year.Download Article
July 15, 2014 – Hey Graduates, Here Are 7 Keys to a Happy Life
Last week, I was in St. Louis to watch my son graduate from Washington University. What fatherly advice do I want to pass along to Henry, as he sallies forth into the adult world?Download Article
July 15, 2014 – A Kinder, Gentler Reverse Mortgage
The rules for securing a reverse mortgage are getting tougher. And most financial advisers say that’s a good thing.Download Article
July 15, 2014 – How to Weigh Student-Aid Offers
The Biggest Package Might Not Be the Best Package.Download Article
April 2014 – Connecting the Dots
Human beings love stories. But this innate tendency can lead us to imagine connections between events where none really exist. For financial journalists, this is a virtual job requirement. For investors, it can be a disaster.Download Article
January 2014 – The Golden Ticket Trap
In a popular children’s story, the young hero pins all his hopes on finding one of a handful of “golden tickets” hidden among millions of candy bars. It seems many people approach investing the same way.Download Article
October 21, 2013 – What Retirees Should Do When the Kids Come Back
You’re sitting pretty in retirement. Kids gone. Empty house. Vacations. Hobbies. Walks.Download Article
October 14, 2013 – Best Road-Trip Apps for Holiday Travels
If you are setting out on the road this fall or winter, plug in your car-charger and smartphone because you can bring along a ton of collective wisdom in the form of great road-trip apps.Download Article
October 10, 2013 – 10 Cures for the Chronic Overpacker
Can’t seem to travel without an overstuffed bag? We’re here to help.Download Article
July 2013 – “Student Lenders Are Pressed to Ease Terms”
Regulators Want Private Firms in Market to Lower Payments for Unemployed and Other Borrowers.Download Article
July 2013 – “Letters About 401(k) Plan Costs Stir Tempest”
Yale Law School Professor Tells 6,000 Companies He Plans to Publicize His Study.Download Article
July 2013 – “It’s Our Kids’ Money. But Is It Really?”
Parents should have veto power over how children spend their own savings.Download Article
July 2013 – “The Intelligent Investor: Saving Investors From Themselves”
The temptation to pander is almost irresistible. And while people need good advice, what they want is advice that sounds good.Download Article
July 2013 – “A New Senior Moment”
Zumba classes, sushi chefs and kilns in the crafting room: the newest generation of 55-plus communities caters to active—and demanding—retirees.Download Article
April 2013 – “Get Off the Beaten Path for Vacation Deals”
Higher airfares and overcrowded flights will boost your vacation bill this year, making it a good time to take the roads less traveled on summer retreats.Download Article
April 2013 – “Tap Your School for Job-Hunt Help”
It wasn’t until after Christopher Morel graduated from Pennsylvania State University that he realized how helpful the school could be in his job search.Download Article
April 2013 – “In Applying to College, Is Cost a Factor?”
When it comes to our oldest daughter and college, we are in a place that most parents would envy.Download Article
September 2012 – “How Not to Blow It With Financial Aid”
Common mistakes parents and students make when seeking help with college costs.Download Article
September 2012 – “The Best Gear for the School Year”
Here are the latest high-tech tools for starting the semester out right.Download Article
July 2012 – “Is Gold Worth Its Weight in a Portfolio?”
Do the benefits of holding gold outweigh the risks? Read this article to learn more.Download Article
July 2012 – “In Picking Facebook Shares, Repeating the Mistakes of the Past”
Here is a timely article showing that most individuals have a negative return when picking individual stocksDownload Article
June 2012 – “The Eurozone and Greece: A Client Update”
Our calm, disciplined approach puts the European crisis in perspective.Download Article
June 2012 – “The Death of Equities, Revisited”
Here is an article comparing the current news to an August 13, 1979 article in BusinessWeek.Download Article
February 2012 – “The Good Old Days?”
The hardest arithmetic for human beings to master is that which enables us to count our blessings.Download Article
March 2010 – “Rebalancing Act”
Global diversification gives investors a valuable tool for managing risk and volatility in a portfolio. But smart diversification has an important side effect. It requires maintenance.Download Article