The Not-So-Obvious Choice
Sometimes the obvious choice is just wrong. That’s where education comes in. Thomas M. Fafinski educated us in a recent visit to the Financial Fortitude radio show. Tom is co-founder of Virtus Law.[i]Besides practicing and teaching law, Tom is an author and wrote a...
read more
It’s a Mistake
Good decisions sometimes lead to unfavorable outcomes. Even Warren Buffet’s Berkshire Hathaway lost over $4 billion[ii]in late February when Kraft Heinz (KHC) stock lost about 27% of its value in one day after an unfavorable earnings announcement.[iii]After the stock...
read more
Texas Oil & Gas Production and World Leadership
It finally happens in 2020: After 67 years as a net importer, the U.S. achieves net energy exporter status, according to the U.S. Energy Information Administration’s (EIA’s)[i]Annual Energy Outlook 2019[ii]. The U.S. became a natural gas net exporter in 2017 and coal...
read more
Are you a hound dog on a nail?
Survey results are in. Americans suffer serious anxiety over uncertainties presented by the prospect of retirement, and their anxiety worsens. The uncertainties keep some of us up at night. When and how we act matters. Some people act like the old hound dog. The old...
read more
Ain’t Seen Nothin’ Yet
The New Year’s economic tack is not the same as last year’s. In some ways, changes brewing over the last few years have matured and disclose more clarity about their form. In other ways, it’s like somebody flipped a switch. If you thought earlier trends were...
read more
The Main Difference between Bonds and Bond Mutual Funds and Why it Matters
Fixed interest bonds and bond mutual funds are different, and it matters. This first of two facts helps explain the main difference: Fixed interest bond values change inversely with changes in prevailing yields. This fact raises three questions: What is the importance...
read more
Going Steady
Which is worse, death or outliving your income during retirement? At least one survey[i] says most Baby Boomers prefer death! The typical solution for understanding the life longevity vs. income longevity problem appeals to statistical analysis; probabilities and...
read more
Managing Investment Risk and Fixed Percentage Allocations
Almost all retail financial advisers use fixed percentage allocation (FPA) to help their clients manage investment risk. FPA is simple, which partly explains its widespread use. However, FPA has significant drawbacks. Newer methods potentially offer a better way to...
read more
Buy Low, Sell High
Many long-term investors aim to satisfy the “buy low, sell high” standard. The starting point evaluates an investment’s current value. This is the general approach taken by the traditional academic appeal to “intrinsic value,” a concept that cornerstones Graham and...
read more
Trends with Benefits
We believe two investment factors can offer prudent, effective approaches to thinking about and acting upon investments, trends and correlation. Trends We’re not talking about stock market trends. Instead, we favor using demographic and economic trends to help...
read more
Correlation Revisited
Ryan Litfin & Dale Creed Francis often use the word “non-correlated” to identify an important characteristic of investments. Some readers and Financial Fortitude radio show listeners might be unfamiliar with its meaning, or maybe they could use a quick refresher...
read more
True Variable Annuity Expense is Greater than You Think
After 20 Years, Expense Can Exceed Investment Value A prospectus accompanies annuity sales. It explains all contract terms, sometimes in hundreds of pages. When annuity buyers sign annuity contract applications, they affirm understanding of all prospectus terms....
read more
Ring of Fire
Many investors overlook a critical distinction: Allocation versus diversification. The two aren’t the same. Broad allocation is what many mutual funds do by owning the securities of hundreds of issuers. Allocation addresses the “don’t put all your eggs in one basket”...
read more
Vincent Real Estate unveils successful construction completion of Crossroads at Elm Creek
Ryan Litfin is pleased to announce the construction completion of the much-anticipated direct participation real estate (DPRE) property located in Maple Grove, MN.Vincent Real Estate is pleased to announce the successful construction completion of the 98-unit...
read more
Future U.S. Seniors to Face Housing Crunch as Wealth Declines
A rushing confluence of social, demographic, and economic trends is underway. Suitably planned and constructed senior housing communities can address some of these trends. These new approaches to senior housing can serve seniors and reward investors.These are some of...
read more
It’s My Life
An interest rate anomaly threatens recession. Alarms sound because of tariffs and events reminiscent of the Cold War. Dark clouds clutter the horizon. Meanwhile, the mainstream media tell investors how to respond in uncertain times. Beware! Advice meant for the masses...
read more
Capitalizing on the Historic Trend
Diversification and Direct Participation Real Estate (DPRE)We believe novice investors often get it wrong. They allocate investments to numerous asset classes aiming to diversify. Sure, diversification requires asset allocation, but not all broadly allocated...
read more
Make The Call
AnnuityDiscovery.com Investors can buy an insurance policy on their investments. The policy can guarantee* a certain interest rate. Or, it can guarantee no loss of principal. Interest and growth are typically tax-deferred. For investors who want to participate in the...
read more
Lazy Luck
Ryan Litfin & Dale Creed Francis Deliver Message on Lazy Luck Boomers in their 60s approaching retirement could not have timed it better. For most of the last 10 years or so, broadly allocated stock portfolios gained value with little investor effort. We call that...
read more
Ryan Litfin with Vincent Real Estate Announces First Stage Lot Closing in Carver, MN
Ryan Litfin is pleased to announce the first stage lot closing with M/I Homes regarding the much-anticipated Direct Participation Real Estate (DPRE)property located in Carver, MN. Completion of Phase 1A includes all the upgrades required by the city to Spring Creek...
read more
Successful Property Launch for Vincent Real Estate
Ryan Litfin Announces Another Successful Property Launch for Vincent Real Estate We've unveiled the successful groundbreaking of Urbana Place Senior Living. The property location is at the corners of new Hwy 610 corridor and Zane in Brooklyn Park, MN. Vincent Real...
read more
Information doesn’t end when the “ON AIR” light goes off.
FOLLOW US ON SOCIAL MEDIA
