Author - John Kvale

1
Stumbling and Bumbling into the end of the month and quarter
2
Medicare Integration with Company Group Health Plans
3
Why Investing is so Darn Hard !
4
Get ready for higher interest rates, FINALLY !
5
Exactly Half Way Through Historically the Worst Month of the Year … FED Meet & Speak Week

Stumbling and Bumbling into the end of the month and quarter

After almost five years of unabated levitation in capital markets, a few chinks are starting to show in the capital market armor.

Why the Weakness ?

Under the belly it has been much weaker, this recent Bloomberg article stated almost 50% of stocks on the NASDAQ are already in a correction. Note in the following chart how small stocks are not following their big capitalization brother to new highs.

Russell 2000 (Small Stock Index) V S&P 500

R2k V SP 500 9-26-14 Does this mean the correction we have long been waiting for is here ? Maybe, but as we mentioned in this middle of Read More

Medicare Integration with Company Group Health Plans

Once considered a late retirement, today the “norm” is becoming for many to work well into their most knowledgeable years, far past age 65, the coverage age date for Medicare.  Luckily for us, Tom Clark explained the nuances of this at our Private Client Roundtable Event, earlier this year. Integration of Medicare with Company Group Plans Integration

Click image for audio.

Here are the key items to understand when working past the Medicare benefit commencement age.
  • Employer of 20 or more people and still working, employer group plan will pay first
  • Employee may want to take Part A to
Read More

Why Investing is so Darn Hard !

9-2-14 from USA Today:
 

Morgan Stanley: “3000 on S&P 500 real possibility”

(That’s 50% higher than today!)

 
From CNBC 9-12-14:
 

Marc Faber’s investment strategy: ‘Only lose 50%’

 
Wall Street Journal 9-5-14:
 

“The Case for Sticking With Stocks—No Matter the Price”

 
Wall Street Journal 9-12-14:
 

Charlie Munger says ” I have not bought a stock in two years” … too expensive

 

This is why we never go ALL in/out …. note headlines are from a whopping 10 day period of time!!

Have a Great Monday!

John A. Kvale CFA, CFP…

Read More

Get ready for higher interest rates, FINALLY !

Janet Yellen and the FOMC (Federal Open Market Committee) finished their two-day meeting smack in the middle of last week … GREAT NEWS!

Higher Interest Rates in 2015

This Wednesday the FOMC released their statements on the economy, and most importantly their estimate of short-term rates in the future.

Check out this new chart: Each Dot is a vote by FOMC members!

10-14 Fed Dot Chart

The average estimate for short-term rates in 2015 is now 1.27%

Think about that for a moment….What a relief to get SOME return on our short-term money, FINALLY.

Side effects and immediate responsibilities

  • Time to lock in any 
Read More

Exactly Half Way Through Historically the Worst Month of the Year … FED Meet & Speak Week

The good news is we are half way through. The bad news is we still have a few weeks to go.

September Blues

For some reason, September still remains the worst month for capital markets. Originally when the US depended more on the crop cycles, September marked the “make it or break it” month for the season, leading to volatility in capital markets.Blues Hard to believe such a dated historical reason would still create angst, but it does. If  you have been reading our work, you know five years is a short time frame for us, so a… Read More

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