Dynamic Growth: Recent Episodes
Crosby Advisory Group
An interactive journey in pursuit of your own potential. Nate, Derek and Macy share tips for personal growth and investing to help you live a fulfilled life.
Nate shares a tactic you can use to enhance your emotional inteligence and act rationally when the world around is irrational. This tactic can be used to enhance relationships and performance in your field.
Nate explains a critical, often overlooked retirement risk: sequence of returns risk—the danger of encountering poor market performance right when you begin taking withdrawals. Even when two retirees earn the same average annual return, the order in which those returns arrive can significantly change outcomes. Nate discusses how to plan for adverse early-retirement markets and presents indexed universal life insurance (IUL) as a flexible, non-market-loss-exposed income source to help mitigate this risk.
Key Discussion Points:
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Sequence of returns risk:
- It's not a concern until withdrawals begin, typically in retirement.
- Losses during downturns are compounded when assets are sold to generate income at depressed prices.
- Even if markets recover, reduced asset bases mean less participation in the rebound, potentially shortening portfolio longevity.
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Same average return, different outcomes:
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Two retirees with identical portfolios and a 7% average annual return over 20 years can have dramatically different results depending on whether negative years occur early vs. late in retirement.
- Early losses paired with withdrawals can rapidly erode principal, demonstrating that the sequence of returns can matter as much as the returns themselves.
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Planning with Monte Carlo simulations:
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Nate emphasizes modeling scenarios where the first years of retirement are poor.
- Objective: Ensure contingency plans exist for adverse sequences, because "we get one chance to get retirement income right."
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Diversification beyond traditional assets:
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Historical non-correlation can break down: in 2022, both stocks and bonds fell, undercutting the classic diversification benefits.
- Relying solely on investment accounts for income in down markets may be suboptimal; alternative funds can allow portfolios time to recover.
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Role of Indexed Universal Life (IUL):
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Properly designed and funded IULs can provide cash values protected from market loss.
- Interest credits are linked to market indices (e.g., S&P 500) without direct exposure to downside.
- Offers tax-advantaged access to cash values during retirement.
- Strategy: Draw income from IUL during market volatility instead of selling investments at depressed prices, reducing sequence risk and preserving portfolio recovery potential.
- Practical insight: Avoiding withdrawals during one or two severe downturn years over the past 25 years could materially improve a retiree's experience and peace of mind.
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Portfolio construction idea:
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Consider replacing some or all of a bond allocation with an IUL to add downside protection and tax advantages.
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Nate's backtest: A Midland National IUL paired with 60% U.S. stocks vs. a traditional 60/40 (stocks/BND bonds) over 25 years.
- Result: 60% U.S. stock + 40% IUL outperformed 60% U.S. stock + 40% intermediate bonds (Vanguard Total Bond Market, ticker BND).
- Additional benefits: IUL provides a death benefit and tax-free cash value growth; bond income can be taxable (outside an IRA) or subject to ordinary income tax upon IRA distribution.
Major Takeaways:
- The timing of returns can be as consequential as the returns themselves once withdrawals start.
- Traditional stock-bond diversification may not always protect against simultaneous market declines.
- Building an "off-market" income reserve—such as an IUL—can help retirees pause withdrawals from investment portfolios during downturns, improving longevity and stability of retirement income.
- Integrating IULs as part of or in place of bonds may enhance total outcomes while adding tax and estate benefits, subject to proper design, funding, and suitability.
Disclaimers and Professional Guidance:
- The podcast is informational and not direct investment advice.
- Not all investments are suitable for all individuals.
- Investing involves risk; fees and risks should be carefully considered.
- Crosby Advisory Group LLC is a registered investment entity; consult directly for personalized advice.
- Annual Themes, Learning, and Risk * Each investing year tends to coalesce around distinct themes that are difficult to identify upfront and only become clear through observation and adaptation. Reviewing prior years helps reveal recurring patterns and informs future strategy.
- "You either make money or you learn something." Even profitable years yield process insights and highlight missed opportunities, reinforcing resilience and long-term skill building.
- Investing is like golf: just when your "swing" feels right, conditions change. Continuous refinement is essential because evolving market environments expose new weaknesses.
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Appropriate risk-taking is crucial for young investors. Under-allocation to equities can be the bigger mistake given long-term upward market drift and compounding. Understanding what you own reduces perceived risk and helps investors ride out volatility and buy dips with conviction.
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Long-Term Strategy vs. Short-Term Trading * Passive, buy-and-hold investing generally outperforms frequent trading, which often triggers taxes on short-term gains and causes investors to sell winners too early.
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Asset allocation over market timing: set target allocations (e.g., US, international, real estate) and regularly add to underrepresented assets. This dollar-cost averaging approach removes emotion and naturally buys low. Timing tops and bottoms is a losing game relative to disciplined allocation.
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Continuous Learning, Journaling, and Emotional Discipline * Be a "nerd" about learning: read constantly, pursue structured education when suitable (e.g., CFA), and align learning methods to personal style. Maintain an investment journal to recognize recurring patterns and avoid repeating mistakes.
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Discipline is forged in bear markets. Determine true risk tolerance during downturns and use those lessons to guide profit-taking and positioning in subsequent bull markets.
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Rethinking Safe Assets * Traditional intermediate and long-term bonds have shown higher correlation and volatility with equities, challenging their stabilizing role. Structural concerns (e.g., deficits) may pressure future returns.
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Alternatives include short-duration bonds for stability, gold as an uncorrelated substitute for long duration, and other tools to mitigate sequence-of-returns risk such as high-yield savings, annuities, or an Indexed Universal Life (IUL) policy with stability, tax advantages, and a death benefit.
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Common Mistakes to Avoid * Shorting individual stocks offers a poor risk-return trade-off: capped upside (100%) with theoretically unlimited downside. Only top-tier professionals with deep access and diligence should consider it.
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Chasing high yield is a trap. Elevated yields usually signal higher risk, potential financial distress, or "return of capital" that erodes principal. Favor quality yield and total return via strong businesses and long-term capital gains.
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Dividends, Buybacks, and Capital Allocation * Very high dividends can indicate limited reinvestment opportunities, effectively de-capitalizing the business and implying muted growth expectations.
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Share buybacks are a tax-efficient way to return capital, raising ownership per share without immediate tax consequences.
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Core Principles of Wealth Accumulation and Professional Growth * Focus on what you can control: increase income to boost contributions, extend time in the market, and pursue quality growth. Contributions and time are controllable; market returns are not.
- Wealth builds through contributions, growth rate, and time. Becoming more valuable professionally to raise income often beats trimming small expenses.
- Invest in yourself through continuous education, structured learning, and stepping outside your comfort zone. Mutual accountability within teams drives higher performance and consistent improvement.
Conclusion Successful long-term wealth accumulation centers on appropriate, well-understood risk; disciplined buy-and-hold allocation; continuous learning and journaling; and emotional discipline tested in downturns. Avoid asymmetric pitfalls like shorting and chasing high yields, rethink the role of traditional bonds, and consider diversified stabilizers. Emphasize controllables—income, contributions, and time—while reinforcing professional growth and accountability.
Derek Ballinger is Crosby Advisory Group's Chief Portfolio Manager. Nate interviews Derek on his thoughts about 2025 and what he believe it means for investors heading into 2026.
What is the S&P 500? Why do advisors often recommend an S&P 500 index as part of your stock portfolio? What types of companies make up the S&P 500? As part of our observation section we will dig into the false security of keeping cash in a long term retirement account.
When is the right time to risk manage? What are a few readily available metrics you can gather when looking at a stock for the first time? Nate goes into his steps for the initial analysis of a publically traded company or stock. www.crosbyadvisory.com
A financial lifecycle can be broken into three phases: accumulation, distribution and estate. We discuss examples of when clients have thought it was in thier best interest to hire a financial advisor.
What is financial wellness and why has it taken center stage in the financial planning world. Nate discusses the industry shift from general investment advice to holistic wealth planning.
Estate planning is the most overlooked segment of the financial planning process. In this episode we discuss will basics. What happens when you die with a valid will? What happens when you die without a valid will? What can you do to ensure your assets transfer appropriately, and make sure you minor children are assigned the appropriate guardians?
There are many metrics that can be used to measure the performance of your portfolios. These benchmarks should be appropriate for your time horizon (how long you have until the money will be needed). One seldom used benchmark is a multiple of assets compared to income. This benchmark is often a more direct indication of your retirement savings success. You can contact us at www.crosbyadvisory.com
We delve into the intriguing world of investing heuristics and cognitive biases. This week, we're exploring how psychological factors like overconfidence, the illusion of control, and conservatism bias can shape investment decisions, often in unexpected ways. Join us as we dissect these cognitive errors, discuss real-life examples, and provide insights into how investors can navigate these mental pitfalls to make more informed decisions. Whether you're a seasoned investor or just starting out, this episode is packed with valuable lessons on the psychological aspects of investing.
We break down the savings timeline, considering various income levels and investment approaches. But it's not just about saving – we also delve into the current financial climate, discussing the worsening liquidity in the treasury market, and what it means for your investment portfolio. Plus, we analyze how to adjust your returns for inflation to ensure your savings maintain their value over time. Whether you're a seasoned investor or just starting out, you'll find actionable insights and expert advice to help you on your path to financial success. Don't forget to like, share, and subscribe for more financial wisdom #MillionDollarSavings #TreasuryLiquidity #InflationAdjusted #SavingsGoals #FinancialPlanning #InvestmentTips #EconomicInsights #WealthBuilding #PersonalFinance #SaveToMillion"
In this episode we get inspiration from the Nobel Prize Winner Daniel Kahneman in his work "Thinking Fast and Slow". We discuss how that relates to analyzing the economy and picking investments. We also discuss recent data from the labor market and some wild inconsistencies and innacuracies in the data. We hope you enjoy this week's episode!
In this jam-packed episode, we dive into NVIDIA's blowout quarter and what it means for tech investors. Could life insurance really be the new bond alternative in your diversified portfolio? We unpack this unconventional approach. We also discuss the recent Bud Light controversy that's sparking debates. Plus, don't miss our 'Stock to Watch' segment where we reveal a stock that's looking like a promising buy right now. Tune in for insightful analysis, market trends, and financial tips you won't want to miss!
In this episode we discuss troubling economic data coming out of China and more trouble in the banking sector with credit rating agencies putting warnings on the large banks after downgrading U.S. credit. We then discuss how much money people think they need in retirement vs how much they actually need and if people have realistic expectations about portfolio returns and amount of time it takes to save enough to retire early.
We hope you enjoy this week's episode
While pessimism often wears the mask of sophistication and depth, it's the optimists who frequently come out on top in the long run. Join us as we debunk the myths surrounding investment attitudes and shed light on the overlooked potential of small-cap stocks. With large caps taking the limelight, we'll explore the compelling reasons why small caps might just be the dark horse set to outperform in the coming years. Whether you're a seasoned investor or just starting out, this episode promises insights that could reshape your investment strategies. Don't miss out!
In this episode we discuss the recent discussion around the debt ceiling and why it matters, also why it doesn't matter. We discuss the implications of default and what it means for the long term of the U.S. Sovereign Debt. What would have to happen for the U.S. to get the debt problem under control and will that ever happen... We end the podcast discussing recent earnings from Nvidia, a designer of high-power processing GPUs that are used in many areas including AI. They proved wall street analysts wrong by raising revenue guidance by 5B next quarter. The stock moved over $200B in market cap on the news. Is that a justified move? We hope you enjoy this episode of the podcast NASDAQ Earnings CITATION: https://twitter.com/KeithMcCullough/status/1662022317021560832
Today we discuss recent retail earnings in the U.S. the lower-than-expected guidance from Home Depot and strength from Walmart and Target. We also discuss the Bitcoin 2023 conference and the current state of Bitcoin. We discuss China's retail sales and Industrial Output and how it came in under expectations. Nate talks about the new war on plastic and why consumers are switching back to cash for purchases due to problems with point-of-sale and issues in the banking system.
We start the podcast by discussing Eli Lilly and its strong performance year-to-date as well as two promising drugs that they are releasing. We weigh the pros and cons of buying the stock and then dive into the recent decision by the FED to once again raise interest rates in the face of financial turmoil in the banking sector. We end by discussing the best advice we have ever received and how its impacted our lives. We hope you enjoy this episode!
In this video, we'll be discussing the renowned financial guru Dave Ramsey and his incredible impact on helping millions of people get out of debt. While Dave's advice on eliminating debt has transformed countless lives, we'll delve deeper into his wealth accumulation strategies and explore where they may fall short. Join us as we dissect his investment recommendations and offer alternative perspectives to maximize your wealth-building journey.
In this insightful podcast episode, we explore the potential impact of BRICS countries (Brazil, Russia, India, China, and South Africa) developing a new currency that could challenge the dominance of the US dollar in global trade and finance. We delve into the current state of dollar-denominated debt on a global scale, the US dollar's role in international trade, and the economic challenges faced by China. Despite the growing influence of BRICS nations, we argue that the threats to the US dollar's dominance are overstated and predict that the dollar will maintain its position as the world's leading currency for at least a few more decades. Join us for an engaging discussion on the future of global currencies, the evolving landscape of international finance, and the factors shaping the economic power dynamics between the US and BRICS countries. #BRICS #USDollar #GlobalTrade #DollarDenominatedDebt #InternationalFinance U.S. Dollar in Global Trade:
https://www.globaltrademag.com/how-the-united-states-dollar-dominated-the-global-trade-space/#:~:text=The%20U.S.%20dollar%20is%20by,the%20rest%20of%20the%20world.
Index of International Currency Usage: https://www.federalreserve.gov/econres/notes/feds-notes/the-international-role-of-the-u-s-dollar-20211006.html
65 Trillion Dollars in Global Debt: https://www.visualcapitalist.com/visualizing-65-trillion-in-hidden-dollar-debt/
Dollar in Foreign Reserves:
https://www.imf.org/en/Blogs/Articles/2021/05/05/blog-us-dollar-share-of-global-foreign-exchange-reserves-drops-to-25-year-low
China's Debt Problem:
https://www.forbes.com/sites/miltonezrati/2023/01/16/chinas-overwhelming-debt-burden-points-to-still-deeper-problems/?sh=fdce8e94433a
U.S. Debt Problem: https://www.usdebtclock.org/
Heresy Financial : https://www.youtube.com/@HeresyFinancial
Brent Johnson (Santiago Capital): https://twitter.com/SantiagoAuFund
https://santiagocapital.com/
Principals for a changing world order Book: https://economicprinciples.org/cwocharts
In this episode of Dynamic Growth, Derek and Carly Snyder delve deep into the growing skill gap between what employers need and what employees possess. We discuss the impact of trade agreements on the labor market, the role of automation and artificial intelligence in shaping the workforce, and how universities and trade schools are adapting to prepare workers for the evolving job landscape.
As globalization accelerates, trade agreements have played a significant role in redefining labor markets. We explore how these agreements have shaped job opportunities, and whether they contribute to the widening skill gap between employers' demands and employees' qualifications.
Automation and artificial intelligence have become increasingly prevalent in today's workforce, displacing jobs and creating new roles that require specialized skills. We examine the implications of these technologies on the labor market and discuss strategies to ensure employees remain relevant and competitive in this rapidly changing environment.
Universities have long been seen as the cornerstone of higher education, but are they adequately preparing students for the real world? We debate the effectiveness of traditional academic institutions in training workers for the job market and discuss how trade schools have emerged as an excellent alternative for skill-based learning.
Join us in this engaging conversation as we navigate the complexities of the modern labor market.
What happened to SVB and Credit Suisse, what it means for other banks, and will there be contagion? Will this cause the FED to pivot or will they remain tight on inflation?
In this episode, we discuss Nate's headaches owning the building and how real estate isnt exactly passive income. Then we discuss a recent exchange between senator Elizabeth Warren and Jerome Powell. We hope you enjoy!
This week we discuss how we changed our minds about the 529 plan and on buying Fixed Income investments. By the end of the year, you can potentially get a positive real return holding short-duration treasuries. This hasn't happened for a long time, we also talk about an interesting strategy with investment-grade corporate bonds as well. We hope you enjoy the podcast!
Carly Snyder joins Derek to discuss the effectiveness of Super Bowl Ads. This year it costs 7 MILLION dollars for a 30-second ad. Why do brands spend so much? Is there a profitable return on that investment? How are brands adapting to new mediums outside of TV advertising? We hope you enjoy the podcast!
We discuss the recent objectives and goals of the world economic forum and what their prediction for the world looks like. We end the pod discussing the new Secure Act 2.0 and how it affects retirees.
We talk about the positive start to the year and about ways people have been using the machine learning algorithm Chat GPT to automate tasks with high accuracy. What does this mean for the future of work? We end by talking about an ETF that makes investment decisions based on AI, the performance has been terrible so far but what does this look like in 5,10,20 years?
Jobs data shows the unemployment rate is falling and non-farm payroll came in above expectations. While this is good news for the economy, it also means there will be no mercy for the stock market. The FED is looking at the labor market for signs that they are doing too much on the inflation front. With the labor market going full steam ahead this gives the FED more room to tighten into an actual recession. We hope you enjoy the episode
In this episode we discuss how to put good news and bad news into perspective, we also talk about how events in the crypto ecosystem have set the industry back years. Lastly, we discuss if it is finally time to buy bonds or if the FED will have to raise rates higher than they previously stated.
Should politics affect your investment decisions? We think investing should not involve emotions, removing your personal biases from investing decisions will lead to better outcomes in the long term. It's a challenging discussion because if you have moral beliefs embedded in political views, how much are you willing to put up with for more return? We also discuss new inflation data and the most recent FOMC decision to raise interest rates by 50 bps and how that impacts out investing outlook.
In this episode, Nate discusses the world cup and the potential shady business going on with FIFA and Qatar. We also discuss a different way to think about monthly payments and how that can impact financial freedom.
We hope you enjoy this week's episode. If you enjoy this episode please like, share, and subscribe!
FTX was reportedly hacked for 477M hours after they declared bankruptcy, Derek goes into new details surrounding the FTX collapse. Nate discusses a Bank of America study that shows investing trends of the wealthiest Americans.
What the heck is going on in crypto? Derek gives some background and details about what is causing the entire crypto market to panic. FTX was the 2nd largest crypto exchange, they were worth 32B and now have gone bust due to corruption that will likely end in jail sentences for the CEO. Nate discusses how businesses use free cash flow and what investors should look for when evaluating free cash flow.
Nate discusses possible ways that well-meaning financial regulation can hurt the everyday investor. Does receiving quarterly statements hurt your long-term performance? Derek gives some broader context as to why the FED is consistent in their message to tighten financial conditions despite many saying they have over tightened.
Nate discusses possible ways that well-meaning financial regulation can hurt the everyday investor. Does receiving quarterly statements hurt your long-term performance? Derek gives some broader context as to why the FED is consistent in their message to tighten financial conditions despite many saying they have over tightened.
If you currently have a pension, Nate gives insight into a unique opportunity for pensions in 2022. With Elon Musk finalizing the deal to acquire Twitter we discuss the implications for free speech and the debate of how much freedom we are willing to give up for security.
We hope you enjoy this week's episode.
In this episode, Nate discusses common misconceptions about passive investing and why active management has some distinct advantages during bear markets. Derek talks about recent events in Japan's bond market and the issues they are having with their currency. We end with reflecting on the long-term implications of bailing out the economy during the 2008 housing crisis.
In this episode, Nate discusses common misconceptions about passive investing and why active management has some distinct advantages during bear markets. Derek talks about recent events in Japan's bond market and the issues they are having with their currency. We end with reflecting on the long-term implications of bailing out the economy during the 2008 housing crisis.
The calendar marks the next quarter. As we go into Q4 Derek and Nate discuss what is on their radar and changes to the portfolio. We discuss Fixed Income, Stocks, Money Markets, the US Dollar, Commodities, and Real Estate. We hope you enjoy this episode!
The calendar marks the next quarter. As we go into Q4 Derek and Nate discuss what is on their radar and changes to the portfolio. We discuss Fixed Income, Stocks, Money Markets, the US Dollar, Commodities, and Real Estate. We hope you enjoy this episode!
We didnt come up with the dollar milkshake theory but it has played out surprisingly well. Brent Johnson of Santiago Capital came up with the theory before the pandemic. It predicts a massive run-up in the dollar and capital flows into the U.S. as other countries are forced to print currency to get dollars to get the things they need.
Nate then discusses the question on whether or not its better to be a specialist or a jack of all trades to build wealth. We hope you enjoy the episode.
Want a chance to win $10,000 from a field goal kick? On October 7th Hillsdale high school is doing a raffle for one person to attempt a 40yd field goal kick. If successful the kicker will win $10,000! Get tickets by visiting Crosby Advisory, Fickes furniture, or Hillsdale high school before October 7th.
In this episode, we discuss the recent FOMC meeting where the FED decided to raise interest rates by 75bp or 3/4 of one percent. We discuss the broader implications for markets. We also touch on recent news of the COO of Beyond Meat and his legal battles after allegedly assaulting somebody in a parking lot by biting of a piece of their nose. We end by discussing diversification in bear markets and how to diversify across asset classes. We hope you enjoy the episode.
Want a chance to win $10,000 from a field goal kick? On October 7th Hillsdale high school is doing a raffle for one person to attempt a 40yd field goal kick. If successful the kicker will win $10,000! Get tickets by visiting Crosby Advisory, Fickes furniture, or Hillsdale high school before October 7th.
In this episode, we discuss the recent FOMC meeting where the FED decided to raise interest rates by 75bp or 3/4 of one percent. We discuss the broader implications for markets. We also touch on recent news of the COO of Beyond Meat and his legal battles after allegedly assaulting somebody in a parking lot by biting of a piece of their nose. We end by discussing diversification in bear markets and how to diversify across asset classes. We hope you enjoy the episode.
In a global effort to curb greenhouse gas emissions, many countries have adopted energy policies against domestic self-interest. In Europe, the price of natural gas has gotten so expensive that fertilizer producers are not able to operate profitably, threatening the global food supply. In a related story, Netherlands farmers are mandated to cut down on fertilizer usage. These farmers have been protesting for a while and it has largely been ignored and under-reported by news outlets. We then close by discussing some recent crypto news involving the creator of Terra Luna and his possible legal troubles.
We hope you enjoy the episode!
In a global effort to curb greenhouse gas emissions, many countries have adopted energy policies against domestic self-interest. In Europe, the price of natural gas has gotten so expensive that fertilizer producers are not able to operate profitably, threatening the global food supply. In a related story, Netherlands farmers are mandated to cut down on fertilizer usage. These farmers have been protesting for a while and it has largely been ignored and under-reported by news outlets. We then close by discussing some recent crypto news involving the creator of Terra Luna and his possible legal troubles.
We hope you enjoy the episode!
Nate discusses structured notes and how they can fit into a diversified portfolio and provide some downside protection for conservative and aggressive investors. He also discusses two notes that are currently being offered.
Derek discusses recent news about crypto regulation and the SEC as well as the outlook for FED tightening and ends with discussing the recent run-up in the USD as other currencies fall relative to the dollar. We discuss what that means for the U.S. and the globe and emerging markets in particular.
We hope you enjoy the podcast!
Nate discusses structured notes and how they can fit into a diversified portfolio and provide some downside protection for conservative and aggressive investors. He also discusses two notes that are currently being offered.
Derek discusses recent news about crypto regulation and the SEC as well as the outlook for FED tightening and ends with discussing the recent run-up in the USD as other currencies fall relative to the dollar. We discuss what that means for the U.S. and the globe and emerging markets in particular.
We hope you enjoy the podcast!
Nate is back from his multi-day trip to the Colorado mountains with nothing but a backpack and a fishing rod. He speaks on some of the revelations he had while hiking and what he brought back from the trip. Derek fills him in on the economic events from last week, namely the Jackson Hole summit and the announcement that the White House chose to forgive up to 20,000 student loans for specific borrowers.
If you enjoy the podcast, please like and subscribe!
Nate is back from his multi-day trip to the Colorado mountains with nothing but a backpack and a fishing rod. He speaks on some of the revelations he had while hiking and what he brought back from the trip. Derek fills him in on the economic events from last week, namely the Jackson Hole summit and the announcement that the White House chose to forgive up to 20,000 student loans for specific borrowers.
If you enjoy the podcast, please like and subscribe!
At first glance, I am willing to bet a lot of companies will cut their marketing budgets. Marketing is often viewed as an expense but let’s be real, marketing is an investment.
Another way to think about this is with your investment portfolio for example. During the last six months, you may have felt the urge to sell some of your investments. But if you listen to this podcast on the regular, you’d know that the best thing to do is to leave your investments where they are. Just like marketing—when investing for the long term—you may reallocate or recalibrate your investment, but you only truly “lose” if you eliminate them.
Whether B2B or B2C, your customers’ budgets are also in high demand. This is the time when attention needs to be gained, customers need to be educated, and value propositions need to get stronger.
At first glance, I am willing to bet a lot of companies will cut their marketing budgets. Marketing is often viewed as an expense but let’s be real, marketing is an investment.
Another way to think about this is with your investment portfolio for example. During the last six months, you may have felt the urge to sell some of your investments. But if you listen to this podcast on the regular, you’d know that the best thing to do is to leave your investments where they are. Just like marketing—when investing for the long term—you may reallocate or recalibrate your investment, but you only truly “lose” if you eliminate them.
Whether B2B or B2C, your customers’ budgets are also in high demand. This is the time when attention needs to be gained, customers need to be educated, and value propositions need to get stronger.
Nate discusses a study in patience with children and its results later in life. This applies to investors in bear markets, patience is a difficult thing to master but important for long-term success. Derek starts a discussion around recent inflation data and the story that Blackrock will begin offering a bitcoin trust to institutional investors and what that means for the core principles of bitcoin. We hope you enjoy the podcast!
In this episode, we discuss inflation once again and give our thoughts on the recent legislation designed to reduce inflation. As well as recent events developing in China and Taiwan. Lastly, Nate gives his thoughts on the benefits of "thinking slow" refrencing a book titled "Thinking, Fast and Slow" by Daniel Kahneman and how that relates to emotions and investing. We hope you enjoy the episode!
Back from vacation, Nate discusses some stocks on his radar that he believes will be a great opportunity to buy and hold while receiving a dividend. He also gets in touch with his youth to discuss his recently re-kindled love for skateboarding. Derek talks about the recent news out of the White House that we are currently "not" in a recession despite traditional definitions and lastly we discuss our market outlook not mapping directly onto recent market performance and why investors might be too quick to call the bottom of this bear market.
We hope you enjoy this week's episode!
Derek is back in the studio for the first in-person podcast in a while. We discuss the pros and cons of passive vs active investing. Passive investing is a great plan long term but it can be tough during bear markets. If you know what you are doing and have the knowledge and resources to help, active investing can protect your downside during market drawdowns. We hope you enjoy it, if you like the podcast follow us on social media @crosbyadvisory and share the podcast with a friend!
You get what you pay for
Now more than ever an investor has to understand how asset classes work within the market cycle and where you are at in the cycle. Over the years, many investors have gotten away with a passive strategy. When someone wonders why they would pay someone to manage their investments during a bull market, the answer might seem obvious on the surface. Today you might not find the answer quite so simple. You need an iron stomach if you are committed to passive investing.
The most recent CPI (inflation) number was released on June 15 and we were expecting a slight decrease. Unfortunately, it was reported as 8.6% so, despite rising interest rates and quantitative tightening (watch our video explaining quantitative tightening in less than 2 minutes), inflation is still going up. This is not the news we had hoped for because the FED will keep tightening the economy and it appears the dream of a soft landing is off the table. With keeping inflation under control as the top priority, we have to consider that a recession may be on the horizon. As we reflect on where the market is at today, it begs the question as to why this was such a blind-side for the Fed?
As investors, we are at a cross-road. With inflation continuing to climb and the Fed stating they don’t intend to lower interest rates until 2024, we suggest you take an informed approach to your investment strategy. You need to understand how asset classes react during different times in the cycle so you can determine the best time to make shifts. We study the market for a living and trust us, this can certainly be tricky.
Crypto washout
Speaking of an iron stomach, crypto investors are no stranger to the swings. Today, crypto markets are not as well regulated as the stock market and one downside is that there is no breaker in place to stop massive sell-offs. It’s important to remember that the crypto concept is still very new (relatively speaking) so the swings are somewhat expected. For example, Bitcoin was 65,000 per coin and now it’s down to 17,000 per coin (as of June 20). The upside is only the strongest cryptocurrencies will survive.
When we think about the crypto swings, we can’t help but talk about price and value. Price is what you pay and value is what you get. Take Bitcoin for example, as people come into the crypto space and adopt the technology the price will go up but most investors will agree that the value isn’t the price. The value is the technology.
Diversification – an example
We recently had a raving endorsement to remind us why the modern portfolio needs at least 5 different asset classes. This was the scenario:
- A life event occurs where a family member needs to borrow some money
- This person needed to pull 10s of thousands of dollars out of their investment account
- We were able to review their commodity position and found that they had plenty of money (triple what they needed) in assets sitting at a high point
- We were able to execute this and not impact their overall account
If you build a portfolio like that there will be times when you’ll look foolish – because you have uncorrelated assets some will act as an anchor but you’ll have more consistency overall.
In closing … some advice
- Just because something looks like a deal doesn’t mean it is
- There really is no difference between being early or being late
- The mid-term trend is likely down
- Hold your cash, there will be opportunities soon
Times will be good again and opportunities will come but for now, stay steady and remember your goals.
We feel we have only brought negative news in the past few episodes so we wanted to switch up the tone. We only wanted to share positive news and information during this episode. We discuss positive news in our personal lives and some things we are looking forward to, hopefully, the episode is viewed as a nice change of pace from all of the negativity constantly surrounding us.
As the glory days of free money come to an end (for now), we are fielding a lot of questions about how to protect investments in a down market. Since January, we’ve watched a steady decline, and even if you aren’t heavily invested in the stock market, you are being hit hard at the gas pump, in the grocery store, wherever you go – you name it, it’s unavoidable!
Today we’re talking about your 401k investment strategy and giving tips for riding out a bear market
Target date funds have been getting some press lately thanks to a recent study by Bank of America. Unfortunately for target-date funds, this study is poking some holes in the fundamental way these funds operate. Bottom line, as an investor you should 1. know if your 401k uses target-date funds and 2. give us a call so we can help you analyze performance.
For those of you that listen to the podcast (vs just reading our summaries), notice anything new this week? Maybe the intro music! We thought it was time to change it up a little – hope you like it!
Today we’re sharing predictions from the recent World Economic Forum, Derek gives the latest updates on Crypto, and Nate discusses an interesting new investment opportunity.
Special Guest Carly Snyder and Malery Sloan take over this week to give insight on social media and marketing. Both have extensive experience in advising clients and Malery brings particular expertise in the realm of social media. We thank her for joining us today and look forward to the next episode.
Have you ever watched something happen and it almost feels like it’s in slow motion? You know what’s going to happen but there’s really nothing you can do to change the course. Sound familiar? It’s exactly how we feel when it comes to the market and listening to the most recent earnings reports from major retailers was yet another example of the bear market at work.
In the most recent Fed meeting, the message was clear – continue with the status quo. As we watch the controlled demolition of the stock market transpire, we can’t help but remind ourselves that this was the plan. The Fed has stated they want to tame inflation by slowing down the economy through interest rate increases. The tone has changed from the last time the Fed met, however, with a new emphasis on raising interest rates until prices stabilize to 2% of inflation or until something breaks.
In this week’s podcast, we introduce listeners to the Lightning Network – what is it and why is it important to Bitcoin owners. Nate & Derek also give tips for investors that are evaluating banks. The lightning network is a second layer of technology on top of Bitcoin. It was developed in 2015 to try and solve the major critiques of Bitcoin – it has 10-minute transaction times and lacked global transactional reach. An easy way to think about the role the lightning network plays is the example of cash and gold. The primary goal of cash was to improve the monetary system and make it easier to transact between people and businesses. Sounds a lot like the role banks play – the banks are there to validate the transactions and make sure the money is exchanged.
Most stocks are evaluated using PE ratios but we caution you to use those same criteria for banks – here’s why! Earnings statements! Banks make money by lending and that is largely influenced by interest rates. They also prepare for losses – meaning they evaluate if they feel confident whether people can / cannot pay loans back. Both of those reasons can lead to a sudden increase or decrease in earnings, depending on what is happening in the market.
Today we talk about famous investor Bill Ackman and his 400M dollar loss on Netflix's stock. We also discuss Elon's purchase of Twitter for $44B and Nate gives his thoughts on what is actually meant by "risk". Lastly, we talk about what it would take to give us a breather in a tough market.
Nate, Derek, and Macy are discussing questions that new investors are likely to ask and we give our different perspectives. We recorded Investing 101 in 2020 but felt we could go even more fundamental with the questions. We hope you learn something and enjoy the podcast.
Carly is back on the podcast to discuss her recent trip to Disney World. On the trip, Nate couldn't help but look at all the small details of branding that are scattered across the park. We discuss Disney as a brand, and how customers come to form opinions about the quality of a product or service.
Yield Curve and The VIX
The inverted yield curve has predicted a recession 22 times since 1900. Today we’ll break down the key indicators used to measure market volatility, including the yield curve and the VIX index.
A yield curve plots treasury bonds at 3, 6, and 12 months, as well as 2, 5, 10, and 30 years. When the yield curve inverts, often a recession will follow in the next 6-24 months. Historically you expect that longer duration bonds will pay more than shorter – money today is worth more than in the future – so if the yield curve inverts it’s an indicator that a recession may be on the horizon.
The inverted yield curve has predicted every recession since 1955, and in fact it has inverted 28 times since 1900 and 22 of those times a recession has followed. However, keep in mind that while it has predicted every recession, it has also given multiple false warnings. From our point of view, as long as publicly-traded company earnings continue to be solid, we’ll maintain our position in the market.
So what? Well, as of April 1, 2022 the yield curve has some inversions. The 5 & 10 year have inverted, the 5 & 30 year, as well as the 2 & 10 year. This is the first time we’ve seen this since 2019. Does this mean a recession is coming? Maybe yes, maybe no.
Now let’s look at the VIX – also known as the Fear Index. The VIX provides a real-time market index to measure volatility for the next 30 days. A number is assigned by using a complex mathematical formula and if that number is under 20 then it predicts a period of low volatility, while over 20 forecasts an increased level of volatility. As of April 1, 2022 the VIX is at 19.53.
What does all this mean? Investors can and should use these market indicators to make educated decisions about their investments. Some investors – called contrarian – will buy when the VIX is above 20 and sell / hold when it’s below 20. The average investor might use the VIX to decide when to enter the market with new investments. If you are risk averse and the VIX is low you may want to put more money in at a faster rate or alternatively if the VIX is high maybe you act slower.
At Crosby Advisory we research and watch these indicators literally every day. Over time, we have moved many of our portfolio durations to 5 years and under – that way we are less impacted by interest rate increases. If you are investing on your own, always be sure to do your homework! Remember there is a fine line between reactive and not reactive enough.
In the podcast we referenced Investopedia – here is the link. https://www.investopedia.com/
Ray Dalio on diversification https://www.youtube.com/watch?v=Nu4lHaSh7D4
Nate and Derek review the new cryptocurrency executive order and give our takes on CBDC and regulation. We also discuss the amazon stock split and recent hot takes from the author of Rich Dad Poor Dad Robert Kiyosaki.
SWIFT stands for Society for Worldwide Interbank Financial Telecommunication.
Founded in 1973, it is comprised of a large network of roughly 11,000 banks from all over the world. Think of it as a messaging service for money. SWIFT member banks share information with each other about sending and receiving funds – mostly across international borders.
SWIFT operations are located in Belgium – which makes sense because of it’s fairly neutral location – and is overseen by the G10 countries (psst that includes the US).
Where do you get your information
Do you find yourself going to Google/Bing/Yahoo (insert favorite search engine here) first? Second? Not at all? If you’re anything like me, you still use search engines out of habit but can’t help but wonder if the results are all just paid sponsorships and if that product is – in fact – the best option. Imagine how many businesses we are missing out on because they can’t buy their way to the first page of results. Same goes for Amazon. More and more you hear about storefronts that aren’t even managed by the company they are selling goods from – not to mention sponsored posts, planted reviews and ratings – you name it.
Insert the rise of dark social! Have you heard this term? It’s used by marketing professionals to describe website referrals and traffic that is difficult to track. Without a specific source, it is near impossible for companies to monitor common digital KPIs like website referrals and social media engagement. Buyers are now using alternate sources to evaluate products, find companies, and ultimately build trust with a brand. What exactly is dark social - here are some examples: social networks, content platforms, groups & communities, word of mouth and messaging apps.
I challenge you to consider if you are more likely to take a recommendation from someone you know / a community or brand that you trust or search results that were tailored just for you. If your answer falls to the first option, ask yourself if your company’s marketing strategy is optimized for dark social.
Need help? Contact us!
Back by popular demand Carly Snyder is sharing her marketing knowledge with us and our listeners. Today's topic: Know your target audience, that's crucial for your marketing plan because without effectively knowing your customer it can feel like you are wasting money and speaking into the void. Thanks Carly for joining us again and we hope you enjoy the episode
Consumer Discretionary Sector
How can a sector filled with “non-essential” goods not be a fun topic to dive into? Luxuries we don’t need – yes, please! Let’s take a look at the sector made up of companies opposite from our earlier podcast on consumer staples – the consumer discretionary sector.
Carly Snyder is the newest team member of Crosby Advisory. She has worked with large corporations to assist them with their marketing and she is joining Dynamic Growth to give advice on building a brand. The first of many episodes with her, we hope you enjoy!
For those of you that have joined us on our podcast sector spotlight tour, you’ll recognize some themes are forming and real estate is no different. Did someone say diversify? After all, thus far in 2022, roughly 80% of businesses are still reporting they are meeting or surpassing earnings. Add in interest rates, inflation, job vacancies, and enter volatility stage left. Our strategy is to hang on to what we have invested in and as dividends are paid, we spread the risk into varying types of asset classes. Diversification anyone?!
For our lucky listeners enjoying sunshine right now – I’m talking to you Florida – make sure you soak up some extra vitamin D for us! As many of us fire up our streaming services and hunker down for snowmageddon, let’s take a deeper look at the communications sector!
Spoiler alert – the podcast today revealed that Derek doesn’t have TikTok. Didn’t see that coming!
Today we look at the consumer staples sector. At face value, this sector may not seem to be the most exciting but you may be surprised to learn that in the last 15 years it has never been the worst-performing sector. We may not be shouting blockbuster growth anytime soon, but it’s another solid contender for a portfolio offering diversification with over a 2% yield.
This begins a series on the 11 Sectors of the S&P 500 starting with the worst-performing sector in 2021, the utility sector. How should you invest in the utility sector? Is the utility sector positioned to grow in 2022? What is the best sector for growth? We will discuss in the coming weeks.
Its mandatory to share your new years resolutions with everybody, we hope everybody had a great holiday season. Thanks to everybody who listens/likes/shares the podcast we greatly appreciate you all.
We use tilts to improve investment return or reduce volatility. Learn what a tilt is and how it is implemented in an investment portfolio.
We continue discussing how inflation is similar to a bank run then discuss the choppy market and how to get through it and end with what we are looking at for 2022
We revisit some of our favorite stocks, some of which are trailing the market this year and could be ripe for a movement. We discuss our favorite ways to invest for passive income and speak on how we use technology to scale so we arent trading our time for results.
Opt-out of the madness is the theme of this episode. Opt-out of the distractions on social media, opt-out of pointless bickering between political parties, opt-out of relying on institutions that have lost all credibility. In the digital age, we have been given the tools to become more self-reliant and less reliant on the old world institutions. Even institutions as fundamental as currency, we discuss in this episode.
We discuss a more helpful way of valuing a Real Estate Investment Trust, then we talk about buying acreage on the moon and what gives limited resources value, then we discuss how inflation impacts big retailers like Home Depot & Walmart. Then we close with horrible takes and predictions by the mainstream financial media.
If you like the episode please like & Subscribe!
Come with us as we do a deep dive into the metaverse. Who is creating it, who benefits, and who loses if the metaverse goes mainstream? Meta Platforms, the company formerly known as Facebook has made its intentions clear by changing its name and heavily investing In Oculus, a VR technology company. We also discuss NFTs and their role in the metaverse.
In this episode, we discuss our new crypto hardware wallets and their broader implications as a product and why we decided to purchase them, then we discuss Nate's realization about the Diary of Anne Frank and end with a discussion about controlling your attitude and emotions while at the same time not disassociating from life but embracing the entire life experience. We hope you enjoy the episode. if you enjoy the episode consider liking and subscribing!
Nate and Derek are back in the booth to discuss the record inflation CPI is up 5% from last year with no signs of slowing down. How can you profit from inflation? We also discuss Tesla's incredible run-up 20% in the past 2 weeks but we also discuss how many of Wall Streets' favorite stocks are so expensive we don't know how long these multiples are sustainable. Are there any good values in the market today?
Thanks for listening, if you enjoy please like share and subscribe!
To save you some time, no... the Evergrande crisis in China does not appear to be the same situation as the United States in 2008. But it is a problem for the Chinese economy. Overleveraged Chinese property developer Evergrande finds itself over 300B in debt with a big deadline on Thursday to pay interest on its high yield bonds. It's no secret that they will likely not be able to pay it and could end up in default within 30 days without government intervention. What does this mean for U.S. stocks & your portfolio? We discuss on this episode.
We talk about the recent anti trust case between Apple's App Store and EPIC Games the creator of the popular video game Fortnite. We discuss the ruling and talk about if it has broader implications for regulating big tech and monopolies.
We also discuss the current state of the market and where to put cash in this strange environment where bonds have negative real returns due to inflation and how to have courage with investing.
Start off the podcast discussing a sector with huge growth potential. Cloud computing is dominated by some of the largest companies in the world like Amazon and Microsoft, but there is still room for growth in the sector. How should you invest to benefit?
Nate & Derek discuss more from The Myth of Sisyphus and the takeaway of embracing challenges and hardship, not shying away when it presents itself.
Not sure what to title this one. We start the podcast talking about Nates recent winning stock picks then we shift the discussion to talk about bitcoin and where we think it's going, if it's still a viable investment, and is big money backing it? Then we end the podcast with a book discussion we both started reading the Myth of Sisyphus by Albert Camus and the gems we have taken in the first hours of reading. I'm sure there will be more to come, thanks for listening!
Bitcoin Conference Referenced in the Episode: https://youtu.be/Zwx_7XAJ3p0
Nate is back from vacation and we wanted to discuss an analysis done by an analyst from Bank of America/Merill Lynch in which they state stocks are overvalued compared to historic valuations and there could be a rotation from growth companies with high valuations to value plays who are considered cheap. We break this down and explain why you should buy great companies and timing the market never works out how you want it to.
The number one rule of book club is... you must talk about book club. Have you ever read a book or watched a movie or documentary that completely changed how you see the world or changed you in a profound way, and then you want to talk about it but nobody really cares because that fundamental change only happened to you? In this podcast series, Macy and Derek bring two pieces into the discussion whether that's a book, movie, show or whatever, and discuss its core themes and how it changed their outlook.
Subscribe to our newsletter, we tell you what is going on inside your portfolio if you own tactical model stocks. Last week we saw a lot of tactical model stocks report earnings and we talk about the good, the bad, and the amazon. We talk Apple, AMD, Amazon, Google, Facebook, and more. we hope you enjoy this weeks episode.
No video again, we are in the process of creating a studio here at our office. In the meantime check out this episode where we discuss red flags to look out for to ensure you are getting the best service with your financial professionals. The financial industry is one of the most regulated industries and many notable scams come to mind. Here is what to look out for from an insider's perspective, we also go over some things that others may consider red flags but we do them here at Crosby advisory. WE ARE NOT saying any of these mean a financial professional has bad intentions or isnt doing a good job, but these are things to be prepared for and have an extra guard up for.
No video this week we were testing out a new format that didn't pan out but we will be back next week. This episode is about how you can detect and prevent fraud and identity theft. We talk about our own experiences with fraud and identity theft and how they were resolved. Its one of the worst feelings in the world when you check your statements and see fraudulent purchases and scammers are constantly developing new ways to stay ahead of detection. Fraud can happen both digitally and physically through theft of personal items. In the words of UFC referee Herb Dean "Protect yourself at all times"
We hope you enjoy the episode this week. If you enjoy the episode and learned something new. Support the podcast by sharing and subscribing to get new episodes and clips from the episode.
We have had a lot of demand for our Short Term Income Strategy. It seems a lot of people are sitting on cash whether leftover from stimulus checks, they took advantage of the red hot housing market and sold their home, they delayed that trip planned for 2020, or some other scenario. At the same time, people see the cost of goods rising, gas near Ashland hit over 3 dollars a gallon, shortages across many consumer goods, and rising inflation. This raises the question of what do I do with this cash when inflation, taxes, and poor interest in savings accounts are eating up my savings. We talk about potential solutions and offer our new short-term income strategy that can achieve a higher rate of return with a chance of beating inflation without exposure to stocks.
Setting goals and writing them down is the first step to achieving them. You have to have something to shoot towards to get you out of bed every morning. We talk about personal goals we have as well as professional goals. Also we give our outlook on the market as it stands going into July
Solo podcast with Nate this week and no video, but still great information about the benefit of being a long-term investor. Some of the greatest investors historically were those that kept their eye on the prize and were diligent, consistent, and were focused on the long-term. This isn't as popular as the distracting shiny object that promises get rich quickly, but often times those don't go as you would wish.
We hope you enjoy the episode and if you like the podcast please like share and subscribe!
"There isn't enough time in the day" has been uttered too many times... many people are looking to squeeze as much out of their workday as possible to try to get everything off their plate. Here are some tips on things we do to increase our productivity and how that can correlate to higher income. Dual monitors, lo-fi, organization are some of the few and at the end we discuss a potential shift back to growth stocks in the second half of 2021.
We hope you enjoy this week's episode of dynamic growth, we apologize for the delay we weren't able to release one last week so we doubled up and have another podcast coming tomorrow!
It's no secret that there have been shortages in many consumer products and materials. Some of this is driven by systemic issues in the supply chain and insane demand from the economy going from 0 to 100 in a short period of time. Is this an opportunity? Is there a way to invest to benefit from these shortages, we discuss and give some ideas. We also see how we are doing on our 2021 predictions from earlier in the year.
We hope you enjoy this weeks episode of Dynamic Growth if you like the episode please consider liking, sharing, and subscribing on Youtube and wherever you get your podcasts and follow @crosbyadvisory and @dynamicgrowthpod
We went far out for this podcast... way far out and discussed the incoming reports from the pentagon researching UAPs or Unidentified Aerial Phenomena because UFOs are too wacky. We are both interested in space so we thought we could geek out for a week and put our bro-science hats on. What does this have to do with investing you might ask? Nothing but it was fun to talk about and we hope you have fun listening
Thanks for Listening to Dynamic Growth if you like the episode please like and subscribe wherever you get your podcasts and follow @dynamicgrowth and @crosbyadvisory on Instagram and facebook
One of the biggest issues we face in the coming century is the emergence of Automation and Artificial Intelligence. What do we do about that, what does it mean for the future of work? What does the future of work look like? Can we look at historical examples and try to come to a meaningful conclusion? We debate the implications of covid are and how that relates to unemployment and labor shortages. Will companies choose to purchase capital if the price of labor must increase to outcompete money being received from the government? This was a good one because we didn't see eye to eye on some of these topics and had a great conversation. We hope you enjoy this weeks episode Spotify: https://open.spotify.com/show/4aNCOEEXSPS5H3cKzH6Qty Apple Podcast: https://podcasts.apple.com/us/podcast/dynamic-growth/id1486217823 Stitcher: https://www.stitcher.com/show/dynamic-growth or wherever you get your podcasts Follow us on Instagram and Facebook Facebook: https://www.facebook.com/Dynamicgrowthpod Instagram: https://www.instagram.com/dynamicgrowthpod #Inflation #invest #investing #Investing #policy #debt #investments #retirement #retirementplanning #stocks #stockmarket #personalfinance #financialfreedom #finance #Savings #savingsgoals #savingsgoals2021 #growth #grind
We had a lot of fun testing a new format, we discussed journaling, pocket knives, shoes, tools for sleep and productivity. We ended by talking about what we are looking forward to in the rest of 2021. We get sidetracked and discuss legendary concerts and talking about the week ahead for stocks and crypto
We hope you enjoy this week's episode thanks for listening!
In this week's episode, we talk about Inflation. What are the causes of Inflation, is it always bad, how does the Federal Reserve contribute to or monitor inflation, how is inflation calculated? We discuss all of these topics and also give historical examples of inflation including extreme examples of hyperinflation. We got to nerd out on both history and economics so we had fun recording this one and we hope you enjoy the episode.
If you enjoyed the episode please like and subscribe to get updates for future episodes!
The new crypto craze is NFTs or Non-Fungible Tokens. What are they, how do they work, is it worth investing in? We answer these questions and look at various examples of NFTs that sold for millions of dollars. Is this a way to invest in art for the digital age or is this just hype? We hope you enjoy this week's episode!
If you enjoy like and subscribe to get updates for new episodes as well as clips each week!
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#NFTs #invest #investing #Investing #dogecoin #NFT #crypto #bitcoin #ethereum #debt #investments #retirement #retirementplanning #stocks #stockmarket #personalfinance #financialfreedom #finance #Savings #savingsgoals #savingsgoals2021 #growth #grind
We build a retirement portfolio draft style, we select growth, value, and hybrid to try to beat the market since 2008 with less volatility than the market. Will we succeed? We also talk about the Dynamic Growth Cooking Show and our innovative culinary style and give updates on the beef content of McDonalds Hamburgers, as well as ways to disrupt the paint industry.
This week on the podcast we discuss Special Purpose Acquisition Companies or SPACs otherwise known as Blank Check Companies. They are all the rage in 2020 raising over 80 billion dollars in 2020 and are beating that number for 2021. We discuss the advantages and disadvantages as well as the pitfalls of viewing some of these high-flying assets like dogecoin as investments. In the end, Derek has a late Christmas surprise for Nate. If you enjoy like and subscribe to get updates for new episodes as well as clips each week!
#SPAC #invest #investing #Investing #dogecoin #gambling #debt #investments #retirement #retirementplanning #stocks #stockmarket #personalfinance #financialfreedom #finance #Savings #savingsgoals #savingsgoals2021 #growth #grind
A follow-up of the bitcoin podcast to explore 2 other cryptos, at the time of recording dogecoin, was 8 cents and blew up to a new all-time high of 42 cents! Ether has experienced similar growth to bitcoin but is still not as known and has unique applications that bitcoin cant offer.
Like, Subscribe, and Enjoy!
The age-old question, should I buy growth stocks, should I buy value stocks, or should I just own both? In the month of March, a lot of our favorite growth names were hammered as institutional money moved into value. Should we abandon the ship and follow them? Nate and Derek play a game and compete to see whose growth stocks and whose value stocks will outperform in the rest of 2021. Enjoy!
We talk about stocks, bonds, and REITs... but what about owning physical real estate. Andrew Bang is a doctor of chiropractic and residential real estate investor who owns many properties in the Cleveland area. He gives his insights on real estate investing. The good bad and the ugly of owning real estate. Enjoy!
The Federal Government recently passed another 1.9 trillion dollar stimulus package and is now talking about a 2 trillion dollar infrastructure bill. We talk about how this affects your investments in the short and long term and also where to put your money to make the most out of this environment.
We all have to pay taxes but none of us want to pay more than we are required. We share moves you can make with your investment accounts to reduce current and future taxation.
In this episode we discuss credit cards with budgeting expert Katelyn Lamb. We uncover some of the traps credit card companies use to entice cardholders to take on more debt than they can pay off. We also reveal some of the little known benefits to using credit cards. If used responsibly, the perks of credit cards extend far beyond cash back or travel miles. Learn how a credit card may actually strengthen your financial health.
Hobbies enrich our lives and bring us happiness. Everyone should have four types of hobbies: hobbies that make you healthy, wealthy, happy and smarter. Derek and Nate share a few of their hobbies in each category and discuss how we make room for those hobbies in our lives.
The stock market can be a volatile place to store wealth and traders attempt to make a profit by timing market fluctuations. Should we be attempting to time the market as long-term investors? In this episode, we go to our back-test models to find out. We also give a moment of silence for the greatest podcast that will never be heard.
Publicly traded companies and investment funds are increasingly using Bitcoin and cryptocurrency as an alternative investment and store of value. Learn how you can gain indirect exposure to bitcoin through your investments. We also discussed defi or decentralized finance and what it means for individual investors and consumers.
How to start investing from scratch with no prior experience. Also 5G, what did we miss?
We have fielded a lot of calls over the past two weeks on short selling and Gamestop. What is a short? What are the mechanisms of a short squeeze and what are the dangers?
We answer it all.
ETFs and Mutual Funds are common ways people gain exposure to investment markets . What are they? Is one better than the other? Derek and Nate share what you need to know to make an informed decision.
5G is expected to create millions of jobs world-wide and increase gross domestic product over the coming years. As investors, what are some ways we can potentially profit from that?
Derek and Nate put together a basket of stocks they like for a Covid-lite economy in 2021 (fingers crossed). Also listen in at the end for some exciting news. Top 100?
Derek and Nate discuss key mindsets of companies and individuals who made the most out of 2020 and who are primed to continue in 2021. We also discuss why we like short duration quality fixed income at this time.
Another fantastic year for investors. In this episode we talk Square and review our favorite stocks of 2020.
Take your stock evaluation skills to the next level. Nate and Derek break down two similar stocks and reveal a simple process for analyzing a company when deciding if it has a spot in your portfolio.
We discuss three stocks reporting earnings this week plus don't forget to tax manage your accounts! Tax loss harvesting 101.
Accountant extraordinaire, financial coach and small business bookkeeper Katelyn Lamb shares why taking control and responsibility for your financial health is the surest way to achieve long-term success. Katelyn is a long-time friend of Crosby Advisory and you can find her on Instagram at finance_with_kate .
The show must go on! Derek heroically battles sickness to opine on Salesforce.com, Splunk and Zoom Video Communications.
Toes to Nose, Stop Drop and Roll, Just Say No. These are simplified strategies for surviving dangerous situations. As long-term investors we also need a simplified strategy that can be found in the investment policy statement: a plan to slay the bear!
Have some chicken with your graphics processing unit while we breakdown the second largest home improvement retailer in the United States.
If you are new to investing or just need to brush up on your evaluation skills, this podcast is for you. Derek and Nate share free resources and basic skills you can use to evaluate the prospects of a stock.
From the dangers of single ply to the most wonderful place on Earth. Derek and Nate dive into the week ahead with a special Buffett themed edition.
Own your health! Derek and Nate have an open discussion about exercise, training programs, nutrition and unlocking your best physical self.
Four stocks reporting earnings and election Pet Peeves! It's Election Week! Let's get after it America!
Leadership has been America's greatest renewable resource. Through leadership America has remained resilient, as each generation has provided leaders with the courage to lead the way. We are not a nation with a leader, we are a nation of leaders. Let us continue to lead the way.
We get this podcast off the ground with Delta Airlines and satisfy your hunger for investing with Domino's Pizza. Plus Old Bay on french fries!
What to look for in an IPO and when to buy. Also we have a packed week of earnings ahead! Enjoy.
Learn how to quickly improve your mood, memory and reading speed. In this episode we also outline a strategy for avoiding the costly lure of boredom and answer client wealth questions.
Nvidia, three things that could derail the recovery and cash access accounts for ease of access.
Successful people operate in two planes. Find out which one will likely bring both fulfillment and success.
This episode has a little bit of everything. We discuss what treasures are you searching for that you may already have and a look at the NASDAQ.
Fight or Flight is a survival tactic that has kept humans alive for hundreds of thousands of years. The modern world requires that we tweak this to thrive.
Becoming an expert in your field can make you successful. Becoming an expert who is rounded, thinks outside the box and can relate and communicate with others will make you a superstar.
Salute to fathers! Take pride in being the foundation of an amazing life that you help push forward.
Frustrated by networking efforts that don't lead to results? A different approach can help you build a network of professionals that enhance your value for years to come.