Generated by All in One SEO v4.9.5.1, this is an llms.txt file, used by LLMs to index the site. # MarketReview Just another WordPress site ## Posts - [Latest News](https://www.marketreview.com/news/) - Read the latest news from the world of finance. - [Tesla’s Stock Keeps Climbing Like a Rocket in 2020](https://www.marketreview.com/news/teslas-stock-keeps-climbing-like-a-rocket-in-2020/) - The first month of the year isn’t even half over, and Tesla stock is already up by 25%. It has more than doubled over the last 3 months. How much higher could this stock go? - [Do Municipal Bonds Look That Tempting Right Now?](https://www.marketreview.com/news/do-municipal-bonds-look-that-tempting-right-now/) - David Hammer of bond king Pimco is doing his best to drum up more interest in municipal bonds. Their little scare may be over, but there’s little to be excited about here. - [Municipal Bonds Getting Punched Around by Virus](https://www.marketreview.com/news/municipal-bonds-getting-punched-around-by-virus/) - As paltry as the returns from municipal bonds are, at least compared to stocks, they still attract a lot of investment, due to investors thinking that they are so safe. Think again. - [Understanding the Flexibility of ISAs](https://www.marketreview.com/news/understanding-flexibility-of-isas/) - [Is Humana Well Enough Now to Get Back in the Stock?](https://www.marketreview.com/news/is-humana-well-enough-now-to-get-back-in-stock/) - As unrealistic as Medicare for All is, health care stocks, especially insurers, got hammered by the very idea. Humana gave back almost 20% from this. Is it on the way back now? - [Computer Trading is Not the Beast Many Think It Is](https://www.marketreview.com/news/computer-trading-is-not-the-beast-many-think-it-is/) - There are quite a few people out there who are intimidated and disenchanted with all the computer trading that goes on these days, but these fears are not justified at all. - [Fed Unfazed by Recent Rise in Treasury Yields](https://www.marketreview.com/news/fed-unfazed-by-recent-rise-in-treasury-yields/) - More than a few people have been caught up in the rise in treasury yields portending inflation. Fortunately, the Federal Reserve aren’t so easily fooled, and prefer facts over misunderstanding. - [California Wealth Tax Sets Up Interesting Showdown](https://www.marketreview.com/news/ca-wealth-tax-sets-up-interesting-showdown/) - California state legislators have picked up the ball from radical federal Democrats and are getting ready to propose a wealth tax of their own. This will be an interesting experiment. - [Getting the Basics Right When Investing](https://www.marketreview.com/news/getting-the-basics-right-when-investing/) - Those who promote conventional approaches to investing are constantly trying to school us on it, but the most important part of learning is being willing to ask the right questions. - [A Crisis is Coming as Mental Disease Continues to Explode](https://www.marketreview.com/news/crisis-coming-as-mental-disease-continues-to-explode/) - When it comes to providing care for the sick, we have had the luxury of mostly ignoring the economic issues involved. We won’t have this luxury for much longer. - [How Will Reversing Trump Policies Affect the Labor Market?](https://www.marketreview.com/news/how-will-reversing-trump-policies-affect-the-labor-market/) - The cult of Make America Great Again has now been defeated. How will the Biden administration’s efforts to reverse course affect the U.S. labor market? - [Trading Becomes More Politicized as Bears Get Pounded](https://www.marketreview.com/news/trading-becomes-more-politicized-as-bears-get-pounded/) - The alleged attack on short selling hedge funds by amateur traders is stirring a lot of unrest among an uninformed public, including politicians. Understanding these things does help. - [Biden Fires First Salvos in War Against Fossil Fuels](https://www.marketreview.com/news/biden-fires-first-salvos-in-war-against-fossil-fuels/) - New president Joe Biden didn’t waste any time attacking the fossil fuel industry. We at least deserve a proper accounting of how these attacks are supposed to help us. - [Biden Presidency Conjures Up Fiscal Nightmare](https://www.marketreview.com/news/biden-presidency-conjures-up-fiscal-nightmare/) - No matter what party you support, no matter how ignorant you choose to be about exploding our national debt, the consequences of this bites everyone just as hard. - [Should the Stock Market Worry About Rising Bond Yields?](https://www.marketreview.com/news/should-the-stock-market-worry-about-rising-bond-yields/) - The rising yields in treasuries that we are starting to see lately has some people worried that this might put downward pressure on stocks. Should we worry about this? - [Trying to Beat the Market is Not for Amateurs](https://www.marketreview.com/news/trying-to-beat-the-market-is-not-for-amateurs/) - There is a whole industry out there that seeks to beat market returns. This is not a task for amateurs, although a lot of amateurs don’t know they are amateurs. - [New York’s Empire Continues to Crumble](https://www.marketreview.com/news/new-yorks-empire-continues-to-crumble/) - New York might have deserved their self-appointed title of being the empire state in bygone days, but the empire is falling before our eyes as politicians continue to play their fiddles. - [Tesla Wobbles as it Finally Gets Admitted to S&P 500](https://www.marketreview.com/news/tesla-wobbles-as-it-finally-gets-admitted-to-sp-500/) - Being the sixth most valued company by the stock market should definitely qualify as being in the big 500. Tesla simply grew so large that this big gorilla could not be ignored anymore. - [Fed Has No Plans of Backing Off Support Anytime Soon](https://www.marketreview.com/news/fed-has-no-plans-of-backing-off-support-anytime-soon/) - Some were afraid that the recovery that will come when COVID goes away would cause the Federal Reserve to back up their mega support of the economy. Not anytime soon. - [After Disappointing Again, Berkshire Hathaway Starting to Excite](https://www.marketreview.com/news/after-disappointing-again-berkshire-hathaway-starting-to-excite/) - Warren Buffett’s fabulously successful company Berkshire Hathaway hasn’t been exciting at all for many years now. Some analysts are licking their chops over it now anyway. - [Stocks Hit Records as U.S. Dollar Continues to Drop](https://www.marketreview.com/news/stocks-hit-records-as-usd-continues-to-drop/) - Most people have enough trouble understanding how stocks work, but when you throw in the effects of changing values in the U.S. dollar, things really get confusing. - [Former Fed Chair Yellin Named New Treasury Secretary](https://www.marketreview.com/news/former-fed-chair-yellin-named-new-treasury-secretary/) - One of the real fears of a Biden presidency is who he might appoint as Secretary of the Treasury. Janet Yellin is at least a more palatable option than someone like Elizabeth Warren. - [Is Pfizer Stock Really Soaring on Vaccine News?](https://www.marketreview.com/news/is-pfizer-stock-really-soaring-on-vaccine-news/) - As so many are reveling in the apparent success of Pfizer’s vaccine trials, we might think that their stock should be going crazy. Lots of craziness, none related to the stock. - [Strategists Consider the Road Forward in Election Aftermath](https://www.marketreview.com/news/strategists-consider-the-road-forward-in-election-aftermath/) - It looks likely that the stock market has avoided the worst, where we get a chance to catch our breath and try to figure out how to proceed with our portfolios. - [Markets Breathe a Little Easier in Aftermath of Election](https://www.marketreview.com/news/markets-breathe-little-easier-in-aftermath-of-election/) - The sky was supposed to fall on the stock market with a looming Democrat sweep, but it didn’t come crashing down as predicted, and the market breathed a sigh of relief. - [Economy on the Line as America Prepares to Vote](https://www.marketreview.com/news/economy-on-the-line-as-america-prepares-to-vote/) - Next week’s election may or may not be the country’s most important ever overall, but it certainly is the biggest ever for the economy. We’ll look at the issues from the economy’s perspective. - [Social Media Censorship Taking Center Stage Now](https://www.marketreview.com/news/social-media-censorship-taking-center-stage-now/) - There’s a lot more on the line for social media outlets than taking away legal immunity or even breaking them up. Their massive abuse of power must be stopped. - [Economy Starting to Trend Toward Deflation](https://www.marketreview.com/news/economy-starting-to-trend-toward-deflation/) - For all the efforts of the Federal Reserve and Congress to blow up the deflated economy that the lockdown caused, this monster is getting hungry again. - [Investors Need to Beware of Biden’s Storefront Platform](https://www.marketreview.com/news/investors-need-to-beware-of-bidens-storefront-platform/) - Many, including the presidential candidates themselves, overestimate the scope of the office. A more ominous threat to stocks and the economy lies behind the curtain. - [Markets Rally in Aftermath of Presidential Debate Brawl](https://www.marketreview.com/news/markets-rally-in-aftermath-of-presidential-debate-brawl/) - With a little more than a month to go until the big day, and with Joe Biden continuing to maintain a healthy lead, the market’s hope for Trump being re-elected is fading. - [How Much Safer is Gold Over the U.S. Dollar?](https://www.marketreview.com/news/how-much-safer-is-gold-over-the-us-dollar/) - In today’s tumultuous times, we are hearing the cry to have more assets in gold to protect us even more loudly than usual. We need to always think first before we leap. - [Illuminating the Real Benefits of Spending Less](https://www.marketreview.com/news/illuminating-real-benefits-of-spending-less/) - We spend a whole lot of money without really thinking about this much, and also don’t think much about how little we end up saving. It’s time to think about things more. - [Wisdom Tree Still Promising a Better Way to Invest](https://www.marketreview.com/news/wisdom-tree-still-promising-a-better-way-to-invest/) - Professor Jeremy Siegal can often be seen in ads promoting Wisdom Tree’s Modern Alpha approach to investing, but how well does his funds deliver on this? - [Soybeans Look Poised to Continue Runup](https://www.marketreview.com/news/soybeans-look-poised-to-continue-runup/) - Technical analyst Andrew Addison tends to look far back into the past for his analyses, which can be pretty wayward, but his bullish view of soybeans looks solid. - [Stock Markets Bounce Back Intraday on Friday](https://www.marketreview.com/news/stock-markets-bounce-back-intraday-on-friday/) - Casual observers may see Friday’s stock market action as a continuation of Thursday’s big selloff. Not counting the first hour, Friday was actually a big up day. - [Is it Time to Get Back Into Bank Stocks?](https://www.marketreview.com/news/is-it-time-to-get-back-into-bank-stocks/) - While many investors have marveled at how stock indexes have held up so well during this big recession, when it comes to bank stocks, investors do not look the other way. - [BlackRock Fund Manager Suggests Middle Ground with Dividends](https://www.marketreview.com/news/blackrock-fund-manager-suggests-middle-ground-with-dividends/) - BlackRock’s Tony DeSpirito is now shooting for dividends that are smaller but more reliable in his fund. This is only one small step toward the miles these funds are behind. - [Zoom Stock Blasts Off After Big Earnings Beat](https://www.marketreview.com/news/zoom-stock-blasts-off-after-big-earnings-beat/) - When your stock is already up 378% in the first 8 months of 2020, many may think that it has gone too far already. Don’t look now, but a day later, it’s up to 572%. - [Biden Turns His Socialist Agenda on Retirement Accounts](https://www.marketreview.com/news/biden-turns-his-socialist-agenda-on-retirement-accounts/) - Joe Biden is decidedly in favor of socialism, as is his party these days. He’s now looking to socialize retirement accounts, although the end result will not be what he expects. - [Polls Show Trump Has Slight Lead in Economic Management](https://www.marketreview.com/news/polls-show-trump-has-slight-lead-in-economic-management/) - With both Biden and Trump showing their cards in their nomination speeches, the relatively small gap in the polls on economic issues portrays a significant knowledge gap. - [Writer Shows How a Little Knowledge Can Be Dangerous](https://www.marketreview.com/news/writer-shows-how-little-knowledge-can-be-dangerous/) - Financial writer Tim Denning recently did an article on the national debt and other assorted matters of interest to investors. He shows us how low the bar really is. - [Financial Advisors Accused of Widespread Gender Bias](https://www.marketreview.com/news/financial-advisors-accused-of-widespread-gender-bias/) - It should not surprise anyone that there is gender bias out there in the financial advising world, and the only solution is to seek greater understanding, not escalating demands. - [Biden’s Plan for Rebuilding the Economy by Controlling the Virus](https://www.marketreview.com/news/bidens-plan-for-rebuilding-economy-by-controlling-virus/) - Joe Biden tells us that to recover from our current economic crisis, we need to control the virus. This is like saying the cure for alcoholism is to drink more alcohol. - [Robo-Advisors Seeking to Automate Your Retirement](https://www.marketreview.com/news/robo-advisors-seeking-to-automate-your-retirement/) - Robo-advising has really been growing over the past few years, offering lower-cost investment advice. We do not want to turn our future over to machines. - [Piper Sandler Warns of Earnings Surprise for Ulta Beauty](https://www.marketreview.com/news/piper-sandler-warns-of-earnings-surprise-for-ulta-beauty/) - Nasdaq 100 component Ulta Beauty is set to report their earnings on Thursday, and Piper Sandler tells us that the results will be grim. They still like the stock though. - [Stock Market Holds its Breath as Trump Takes His Turn](https://www.marketreview.com/news/stock-market-holds-breath-as-trump-takes-his-turn/) - The stock market still may underestimate the threat from Biden, still thinking he’s a moderate, but it might not matter, given the way Biden’s campaign is starting to come apart. - [How a Portfolio Manager Could Like GE but Not Tesla](https://www.marketreview.com/news/how-a-portfolio-manager-could-like-ge-but-not-tesla/) - We don’t usually see Telsa and GE mentioned in the same sentence, and seeing these two on the same plate is definitely startling enough to deserve an article. - [Voters to Decide Fate of App-Based Drivers in California](https://www.marketreview.com/news/voters-to-decide-fate-of-app-based-drivers-in-california/) - After coming within mere hours of seeing ride sharing companies shut down their operations in California, the appeal against new legislation has now been sent to the people. - [Fed Minutes Scare Markets, For a Little While Anyway](https://www.marketreview.com/news/fed-minutes-scare-markets-for-little-while-anyway/) - The Federal Reserve released their minutes of their late July FOMC meeting, where they told us things look good. This outlook seems to include another bailout. - [Boning Up on Inverse ETFs for Inverse Markets](https://www.marketreview.com/news/boning-up-on-inverse-etfs-for-inverse-markets/) - With the prospects of an extended bear market on the horizon, investors would be wise to rethink old strategies that end up being completely inappropriate for these markets. - [Biotech ETFs Look Promising, But Beware the Promise](https://www.marketreview.com/news/biotech-etfs-look-promising-but-beware-the-promise/) - With the COVID-19 pandemic still hanging around, and with the mad scramble for a vaccine, this may seem like a great time to be invested in biotechs. Be careful. - [Robinhood Leading Charge to Democratize Stock Market](https://www.marketreview.com/news/robinhood-leading-charge-to-democratize-stock-market/) - Participation in the stock market used to be limited to investors of real means. Technology has changed all that, and things just got a whole lot more accessible lately. - [After Being So Wrong, Analysts Raise Tesla to a Hold](https://www.marketreview.com/news/after-being-so-wrong-analysts-raise-tesla-to-hold/) - If there were a Hall of Shame for stock analysts, maintaining Tesla as a sell while it rocketed up the charts would be more than worthy. - [Goldman Sachs Recommends Utility Sector as a Buy](https://www.marketreview.com/news/goldman-sachs-recommends-utility-sector-as-a-buy/) - Utility stocks had a pretty good year in 2019, where they actually kept up with the market. 2020 hasn’t been very kind, but Goldman Sachs wants us to buck the current trend. - [Tax Institute Examines Impact of Biden’s Tax Proposals](https://www.marketreview.com/news/tax-institute-examines-impact-of-bidens-tax-proposals/) - Taxation is front and center in this year’s election, a lot more front and center than the electorate realizes. Having the right information is critical, and not having it is dangerous. - [Health Care Sector Fully Recovers from Infection](https://www.marketreview.com/news/healthcare-sector-fully-recovers-from-infection/) - In the midst of a pandemic, with all stocks getting bashed, betting on health care stocks coming back was an easy call. Figuring out where they go from here isn’t so easy. - [U.S. Inflation Growth in July Surpasses Expectations](https://www.marketreview.com/news/us-inflation-growth-in-july-surpasses-expectations/) - A 60-basis point jump in inflation may not seem like much, just 6/10 of a percentage point, but we haven’t seen it grow this much in a month for 30 years. - [Investors Need to Think Carefully About Selling Call Options](https://www.marketreview.com/news/investors-need-to-think-carefully-about-selling-call-options/) - All it takes to attract the interest of a lot of older investors is to use the word income with an investment. This is a foolish bias that can cost them though. - [Online Retail ETF Taking a Back Seat to No One Now](https://www.marketreview.com/news/online-retail-etf-taking-back-seat-to-no-one-now/) - Among the stocks that have shrugged off the economic crisis and have prospered though it, nothing compares to the power of online retailers right now, which are red hot. - [Investment Strategists Muse How Election May Affect Stocks](https://www.marketreview.com/news/investment-strategists-muse-how-election-may-affect-stocks/) - With the November election fast approaching, and so much hanging in the balance for the stock market and the economy, the time to start thinking about this is now. - [USPS Endures Another Gruesome Quarter](https://www.marketreview.com/news/usps-endures-another-gruesome-quarter/) - We might think that given how much more stuff that people are ordering online now, the USPS would be enjoying a bountiful harvest. They are instead on life support. - [Economists Weigh in on Ongoing Economic Recovery](https://www.marketreview.com/news/economists-weigh-in-on-ongoing-economic-recovery/) - In spite of a very ugly second quarter GDP number, the U.S. economy is clearly moving in the right direction. We need to look ahead, not back, to see where we are headed from here. - [Should We Close Schools Down Permanently Now?](https://www.marketreview.com/news/should-we-close-schools-down-permanently-now/) - It hopefully would strike us as absurd to decide never to re-open schools due to fears of communicable disease, but keeping them closed now is no less absurd. - [Merrill Lynch’s Mohan Downgrades Apple Again](https://www.marketreview.com/news/merrill-lynchs-mohan-downgrades-apple-again/) - It seems that every time Apple’s stock price outperforms Wamsi Mohan’s’ view of the company’s near-term performance, he sees it as no longer a buy. - [Buying on Pullbacks in Current Market Conditions](https://www.marketreview.com/news/buying-on-pullbacks-in-current-market-conditions/) - We are often told by people looking to advise us on managing our stock positions to look to enter on a pullback. We need to understand the rationale before we decide to leap. - [Bitcoin Starting to Attract More Attention Again](https://www.marketreview.com/news/btc-starting-to-attract-more-attention-again/) - Bitcoin breaking out to the upside again in its march forward has many wondering whether they should invest in it. This should only be done if you understand how to read a chart. - [European Stocks Allegedly Starting to Outperform](https://www.marketreview.com/news/european-stocks-allegedly-starting-to-outperform/) - With the U.S. economy still mired in a huge recession, and the economic recovery in Europe further along, this has some people concluding European stocks should be added. - [Dow Will Get Less Help from Apple After Stock Split](https://www.marketreview.com/news/dow-will-get-less-help-from-apple-after-stock-split/) - The Dow Jones Industrial Average needs all the help in its losing battle to keep up with the other 2 major stock indexes. Things are about to get even more challenging. - [Investors Allegedly Fleeing to “Safer Assets” Now](https://www.marketreview.com/news/investors-allegedly-fleeing-to-safer-assets-now/) - Treasuries are rallying a bit after we got to see what the GDP losses were last quarter in black and white. The idea that this represents investors fleeing to safer assets is amusing. - [U.S. Second Quarter GDP Decline Biggest in History](https://www.marketreview.com/news/us-second-quarter-gdp-decline-biggest-in-history/) - The numbers are in for U.S. second quarter GDP, and it dropping 32.9% on an annualized basis is the scariest one ever. The stock market hasn’t been scared though. - [Half-Off Book Value Sales with Stocks Attracting Interest](https://www.marketreview.com/news/half-off-book-value-sales-with-stocks-attracting-interest/) - Bad strategies die a slow death in the investment world, but they do eventually decay. The idea that book value bargains are a good idea isn’t quite dead yet it seems. - [Senate Republicans Propose Budget Stimulus Bill](https://www.marketreview.com/news/senate-republicans-propose-budget-stimulus-bill/) - It just got a lot easier to understand how far apart the opposing stimulus views of the two parties are. Democrats want $3 trillion, while Republicans only want to spend a trillion. - [Gold ETF Frenzy Drives Gold to All-Time Highs](https://www.marketreview.com/news/gold-etf-frenzy-drives-gold-to-all-time-highs/) - Gold’s rally in 2011 was one for the ages, where the price reached $1,889 an ounce. Many wondered how long it would take us to get back there, but wonder no more. - [Stock Position Limits May Become a Real Issue with Indexes](https://www.marketreview.com/news/stock-position-limits-may-become-real-issue-with-indexes/) - More and more people are “protesting” against the disproportionate growth of the top 5 stocks in the S&P 500. Amid a sea of nonsense, there’s a valid concern buried within. - [Vanguard Sector ETFs Starting to Catch the Leader](https://www.marketreview.com/news/vanguard-sector-etfs-starting-to-catch-the-leader/) - State Street’s SPDR sector ETFs were the first to allow investors to invest in S&P 500 stocks by sector, and still are the most popular. Vanguard is right on their tail now though. - [Prepare to Say Goodbye to Special Tax Treatment](https://www.marketreview.com/news/prepare-to-say-goodbye-to-special-tax-treatment/) - With so many stock market bashers on the Democratic side, investors need to really fear a sweep in November. If you like tax breaks with your investments, the bell tolls for thee. - [J.P. Morgan’s Chang Muses About New Financial Landscape](https://www.marketreview.com/news/jp-morgans-chang-muses-about-new-financial-landscape/) - 2020 has been a year of extremes, between the pandemic, the lockdown, and the financial response. Joyce Chang of J.P. Morgan looks to prepare us for what’s coming next. - [School Closings Putting Many Parents Out of Work](https://www.marketreview.com/news/school-closings-putting-many-parents-out-of-work/) - People working at home has provided the economy with a means to keep people working while distancing. Study at home does the opposite and shrinks employment. - [Ned Davis Research Fearing Another Tech Bubble](https://www.marketreview.com/news/ned-davis-research-fearing-another-tech-bubble/) - The huge bear market that hit stocks in 2000 is generally referred to as the tech bubble bursting, and some people are now in fear of the sky falling now in a similar fashion. - [Analyst Claims U.S. Dollar on Verge of Steep Decline](https://www.marketreview.com/news/analyst-claims-usd-on-verge-of-steep-decline/) - Technical analysis can be a very useful tool if used appropriately, when used to mark out trends and trend reversals, but we need to make sure that we don’t try to do too much with it. - [Recent Stock Market Strength Being “Blamed” on Top 1%](https://www.marketreview.com/news/recent-stock-market-strength-being-blamed-on-top-1pct/) - If you start with the hypothesis that the price of stocks should represent the overall economy, maybe it’s not so strange that you would try to blame someone when you are proven wrong. - [Nasdaq Underperformance Has Some Concerned](https://www.marketreview.com/news/nasdaq-underperformance-has-some-concerned/) - It’s not that the Nasdaq has hit another bear market or anything, and the 1.1% that this index dropped this week is not even meaningful. The bears are really taking notice though. - [Being Aware of Political Bias with Investing](https://www.marketreview.com/news/being-aware-of-political-bias-with-investing/) - It should not come as a surprise to anyone that investors allow their political biases to influence their investing views and decisions. We need to understand what biases we have. - [Fisher’s 13 Retirement Investment Blunders to Avoid](https://www.marketreview.com/news/fishers-13-retirement-investment-blunders-to-avoid/) - Fisher Investments is a private money management firm located in Camas, Washington. It was founded in 1979 by Ken Fisher, who served as the company’s CEO until 2016, although he still serves as Chairman and co-CEO. - [Biden Promises $2 Trillion to Fight Climate Change](https://www.marketreview.com/news/biden-promises-2-trillion-to-fight-climate-change/) - Democrat presidential nominee Joe Biden has been promising to build back better. Better seems to include throwing a lot of money away on his pet projects. - [Commercial Mortgage Backed Securities Defaults Spiking](https://www.marketreview.com/news/commercial-mortgage-backed-securities-defaults-spiking/) - The Great Recession of 2008 is most famous for the massive default rate we saw with mortgage backed securities. Don’t look now, but this problem is back, and in a big way. - [Facebook Stock Answers Boycott with New Highs](https://www.marketreview.com/news/facebook-stock-answers-boycott-with-new-highs/) - Facebook is no stranger to controversy, and in spite of all the attacks they have endured, they always managed to bounce back. They even brush off widespread boycotts. - [Joe Biden Calls for End of “Shareholder Capitalism”](https://www.marketreview.com/news/biden-calls-for-end-of-shareholder-capitalism/) - Capitalism has always been at the heart of America, and capitalist opportunity is what has defined the country the most. Current Democrats want to put the brakes on it. - [JPMorgan Predicts REIT Dividends Should Now Be Stable](https://www.marketreview.com/news/jpmorgan-predicts-reit-dividends-should-now-be-stable/) - When an investment really doesn’t grow much and you are down to dividends to make money, your dividends better be good. REITs have been cutting them, but the bleeding may have stopped. - [Is it Time to Rethink the Way We Look at Stock Indexes?](https://www.marketreview.com/news/is-it-time-to-rethink-the-way-we-look-at-stock-indexes/) - Stock indexes are neither created equally nor are necessarily designed to be representative of stocks in general. People want them to be, but they need to wonder why. - [Renters on the Brink of a Tidal Wave of Evictions](https://www.marketreview.com/news/renters-on-brink-of-tidal-wave-of-evictions/) - While homeowners have benefited from mortgage deferral payments, deferring paying the rent is a different proposition altogether. Their rising rent bills need to be dealt with or else. - [Becoming More Aware of the Tax Thorns of Retirement](https://www.marketreview.com/news/becoming-more-aware-of-tax-thorns-of-retirement/) - While retirement is a time to relax a lot more, where you sit back and collect, retirees need to be aware of the pitfalls out there when it comes to managing their tax obligations. - [CrowdSmart Looking to Use AI to Help Guide Investors](https://www.marketreview.com/news/crowdsmart-looking-to-use-ai-to-help-guide-investors/) - AI company CrowdSmart is looking to build a better mousetrap by seeking to quantify industry consensus surrounding investments. The crowd isn’t always so smart though. - [Small-Cap Fund Manager Showing Them How It’s Done](https://www.marketreview.com/news/small-cap-fund-manager-showing-them-how-its-done/) - We don’t even consider beating 99% of your peers with a fund even meaningful, if your peers are weaklings. Eddie Brown’s small cap fund takes them all on though. - [With Trump on the Ropes, It’s Time to Consider the Aftermath](https://www.marketreview.com/news/with-trump-on-ropes-its-time-to-consider-the-aftermath/) - In spite of falling further and further behind in the polls, the betting action still gives Donald Trump a 40% chance of re-election. It’s much closer to zero in reality though. - [Technical Analyst Offers Guidance on How to Play Reversion](https://www.marketreview.com/news/technical-analyst-offers-guidance-on-how-to-play-reversion/) - Technical analysis is supposed to be belief-neutral, where the data itself tells the story as it unfolds. The idea of a technical analyst preparing us for a reversion to the mean is just odd. - [FAA Completes Boeing 737-MAX Flight Testing](https://www.marketreview.com/news/faa-completes-boeing-737-max-flight-testing/) - Not so long ago, back when the world was flying, the grounding of the 737-MAX was the biggest issue that Boeing has ever faced. The plane may be back in service soon. - [Current Economic Crisis Illuminating Path Ahead](https://www.marketreview.com/news/current-economic-crisis-illuminating-path-ahead/) - Some very old ideas about investing have been dying a slow death for many years, losing ground in a survival of the fittest. Their weakness is being even more exposed now. - [Biotech Sector Running Hot, But the Heat May Not Last](https://www.marketreview.com/news/biotech-sector-running-hot-but-the-heat-may-not-last/) - It should not surprise us that among the good performing sectors this year, the biotech sector is among them, in the midst of a pandemic. Returning to normal isn’t so rosy though. - [Wells Fargo Flunks Stress Test, Abandons Dividend](https://www.marketreview.com/news/wells-fargo-flunks-stress-test-abandons-dividend/) - Almost all of the banks that just took the Federal Reserve’s stress test are allowed to continue dividend payouts. Wells Fargo didn’t fare so well, and their dividend is in detention. - [Strategist Suggests Some Options Plays for Investors](https://www.marketreview.com/news/strategist-suggests-some-options-plays-for-investors/) - While many investors see options positions as a risky way to hit a big score, options are also used to protect against risk. They all need to come with warnings on the label. - [Balancing the Costs to Clean Up the Lockdown Mess](https://www.marketreview.com/news/balancing-costs-to-clean-up-the-lockdown-mess/) - The Congressional Budget Office now estimates that the cost of the coronavirus lockdown will be $7.9 trillion. We’re now debating how these costs will be borne. - [Analyst Expecting Comeback in Beat Up Sectors](https://www.marketreview.com/news/analyst-expecting-comeback-in-beat-up-sectors/) - Times are really changing now, which we could describe as the disparity gap between the haves and have nots widening. Those who are stuck in the past will be more disadvantaged. - [Verizon Joins Ad Boycott of Facebook Due to “Hate Speech”](https://www.marketreview.com/news/verizon-joins-ad-boycott-of-facebook-due-to-hate-speech/) - There is a movement afoot to coerce social media platforms such as Facebook and Instagram to censure content that they consider hate speech. This is very disturbing. - [Convertible Bond Fund Not All It’s Cracked Up to Be](https://www.marketreview.com/news/convertible-bond-fund-not-all-its-cracked-up-to-be/) - The AllianzGI Convertible Fund is touted by fund managers as producing better returns than stocks while having less risk. Don’t believe everything fund managers tell you. - [Slavery Reparations Gain Traction in Face of Protests](https://www.marketreview.com/news/slavery-reparations-gain-traction-in-face-of-protests/) - Calls for reparations to be paid to black residents of the U.S. have been going on for a while. Their voices have become a lot louder now, even though the substance remains incredible. - [Marijuana Market Predicted to Expand Further in 2021](https://www.marketreview.com/news/marijuana-market-predicted-to-expand-further-in-2021/) - With so many states so behind on their budgets due to the economic slowdown, the lure of increased tax revenue from legalizing Marijuana is starting to look even more tempting. - [Investors Starting to Eye Preferred Stocks More](https://www.marketreview.com/news/investors-starting-to-eye-preferred-stocks-more/) - With the growth of the stock market in general thought to be dimming, and bond yields being so low, preferred stock is starting to look more attractive to many investors. - [Wealth Inequality Expands in Aftermath of Downturn](https://www.marketreview.com/news/wealth-inequality-expands-in-aftermath-of-downturn/) - We are getting a real lesson in how economic downturns disproportionately effect those less well-off economically. We need to be very careful not to make this worse on purpose. - [Chesapeake Energy Shows Fragility of Oil Business](https://www.marketreview.com/news/chesapeake-energy-shows-fragility-of-oil-business/) - Once a dominant player in the oil and gas business, Chesapeake Energy is now barely breathing, with their stock now down 99.9% since 2008 and their market cap down to $129 million. - [CalPERS Now Looking to Borrow to Better Drive Returns](https://www.marketreview.com/news/calpers-now-looking-to-borrow-to-better-drive-returns/) - CalPERS, like other public pension funds, have fallen well short of their funding requirements. This has caused them to open up a little, in a way that is at least a start. - [Yale Economist Sees U.S. Dollar Collapsing Soon](https://www.marketreview.com/news/yale-economist-sees-us-dollar-collapsing-soon/) - The U.S. dollar has been the world’s dominant currency for a very long time, but Yale economist Stephen Roach sees this coming to an and with the U.S. dollar set to collapse. - [Analysts Step Up to Defend Ailing American Airlines](https://www.marketreview.com/news/analysts-step-up-to-defend-ailing-american-airlines/) - With the huge decline in air travel lately, airlines have been dealt a big blow and have had to come up with ways to survive. Is American Airlines too sick to put money on now? - [Nikola Inspiring Interesting Discussions about Short Selling](https://www.marketreview.com/news/nikola-inspiring-interesting-discussions-about-short-selling/) - Truck maker Nikola’s IPO that launched on June 3 has been red hot, doubling in price already. The amount of short interest in it is causing concern for some people though. - [Recent Market Pullback Providing Opportunities for Investors](https://www.marketreview.com/news/market-pullback-providing-opportunities-for-investors/) - We may not want to always trade like institutional investors do, but sometimes it pays to think the way they do, and even follow them as they look to buy the dips we’ve seen lately. - [Criticisms of Retail Investors Tell an Interesting Story](https://www.marketreview.com/news/criticisms-of-retail-investors-tell-an-interesting-story/) - Retail investing has experienced a surge since commissions have disappeared. This should only be seen as a good thing, but only if you are not very confused about investing. - [Day Trading Growing in Leaps and Bounds Lately](https://www.marketreview.com/news/day-trading-growing-in-leaps-and-bounds-lately/) - Among the things that have emerged during the crisis that we’ve faced this year is a huge surge in retail accounts, with many used for day trading. People do need to be careful. - [Ray Dalio Warned Us This Much Civil Unrest Was Coming](https://www.marketreview.com/news/ray-dalio-warned-us-this-much-civil-unrest-was-coming/) - In the aftermath of the civil unrest that accompanied the recession of 2008, Ray Dalio has been predicting something much bigger coming with the next one, and he was right. - [Stocks Plunge Thursday on New Coronavirus Fears](https://www.marketreview.com/news/stocks-plunge-thursday-on-new-coronavirus-fears/) - Things were proceeding so well for stocks in their recovery from getting hammered over coronavirus fears. We got drunk and overdid it, we sobered up, and now we’ve hit the bottle again. - [Deutsche Bank Analyst Wary of Car Rental Comeback](https://www.marketreview.com/news/deutsche-bank-analyst-wary-of-car-rental-comeback/) - Car rental stocks took a particularly big hit from our self-imposed quarantine, like all travel stocks did. They have started to come back, but some remain quite leery. - [Stanley Druckenmiller “Humbled” by Recent Trading Gaffe](https://www.marketreview.com/news/druckenmiller-humbled-by-recent-trading-gaffe/) - Stanley Druckenmiller has scored some big wins in his career, including teaming up with George Soros to “break” the Bank of England. He is owning up to the big mistake he just made. - [Big Business Now Seeking to Better Address Racial Inequality](https://www.marketreview.com/news/big-business-now-seeking-to-better-address-racial-inequality/) - The United States has been embroiled in racial inequality for 400 years now. We’ve made at least some progress to be sure, but it’s very clear that more needs to be done. - [Future Still Looks Bright for Chipotle Mexican Grill](https://www.marketreview.com/news/future-still-looks-bright-for-chipotle-mexican-grill/) - Chipotle Mexican Grill was one of our top 5 stocks for 2020. Then the lockdown happened and it really got creamed. The cream does rise to the top though. - [Twitter Continues to Be User Rich and Profit Poor](https://www.marketreview.com/news/twitter-continues-to-be-user-rich-and-profit-poor/) - Social media company Twitter continues to grow its user base considerably. They are a huge household name. The most important ingredient is left out though, the good profit part. - [May Jobs Report Surprises With 2.5 Million Jobs Added](https://www.marketreview.com/news/may-jobs-report-surprises-with-2-5-million-jobs-added/) - The street was somehow expecting a further loss of 7.5 million jobs in May, to go along with the 23 million we lost in March and April. We instead added 2.5 million this time. - [Snap Joins Battle to Try to Silence President Trump](https://www.marketreview.com/news/snap-joins-battle-to-try-to-silence-president-trump/) - Social media companies exist to provide platforms for public discourse. The platform itself has presumably been neutral. They are now being used to influence politics. - [Asian Economies Show Role of Fear in Economic Recovery](https://www.marketreview.com/news/asian-economies-show-role-of-fear-in-economic-recovery/) - Taiwan and South Korea were barely touched by COVID-19 compared to the U.S., their shutdowns were less severe, and the pandemic is long gone. They are still afraid though. - [Ray Dalio Offers Saving Advice During Downturn](https://www.marketreview.com/news/ray-dalio-offers-saving-advice-during-downturn/) - Hedge fund manager Ray Dalio has shown he’s pretty good at saving money with the $14 billion that he’s saved up so far. He has some tips for those who want to do better at this. - [Destruction from Rioting Add to Pain in Retail Sector](https://www.marketreview.com/news/destruction-from-rioting-add-to-pain-in-retail-sector/) - The protests surrounding the killing of George Floyd continue with no end in sight. While the damage has been contained so far, the lack of an effective response is concerning. - [Pandemic Changing Landscape of Nursing Home Business](https://www.marketreview.com/news/pandemic-changing-landscape-of-nursing-home-business/) - The high death toll that we’ve seen in nursing homes from COVID-19 has shocked people, but this goes on every year. This time around, people have really taken notice. - [Macy’s Generates a Little of Excitement with Bond Issue](https://www.marketreview.com/news/macys-generates-little-excitement-with-bond-issue/) - The pandemic has hit retailers particularly hard, and this is a sector that was already in considerable distress. Macy’s seems to be doing their best to survive, but don’t get too excited. - [Trump Lashes Out Against Social Media Censorship](https://www.marketreview.com/news/trump-lashes-out-against-social-media-censorship/) - We’ve always had media censorship, but we always could rely on social media to show us what we haven’t been allowed to see elsewhere. Times are really changing. - [Carl Icahn Bails on Hertz as They Declare Bankruptcy](https://www.marketreview.com/news/carl-icahn-bails-on-hertz-as-they-declare-bankruptcy/) - Hertz has been renting cars for over a century and started out with a dozen Model T’s in 1918. They have flourished through a lot of crises, but were no match for an economic shutdown. - [Fed’s Beige Book Provides Insight on State of Economy](https://www.marketreview.com/news/feds-beige-book-provides-insight-on-state-of-economy/) - Eight times a year, the U.S. Federal Reserve provides a summary of the economy around the country, called the Beige Book. Their latest observations are now in. - [David Rosenberg Sees Current Recession 10X Worse Than 2008](https://www.marketreview.com/news/rosenberg-sees-current-recession-10x-worse-than-2008/) - Economist David Rosenberg might be the king of the bears, predicting recessions and bear markets year after year without fail. He is painting a very grim picture now. - [How Well Have Liquid-Alt ETFs Fared During this Crisis?](https://www.marketreview.com/news/how-well-have-liquid-alt-etfs-fared-during-this-crisis/) - Liquid-alt funds are designed to be more market neutral than normal funds, promising more protection against bear markets. How well have they done during this last one? - [Market Pullback Providing Hope to Actively Managed Funds](https://www.marketreview.com/news/market-pullback-providing-hope-to-actively-managed-funds/) - Just like losing teams tell us they will get them next year, losing investment strategies always say that their advantage will come next year. Wishing this so is never enough. - [U.S. Small Businesses in Great Danger from Shutdown](https://www.marketreview.com/news/us-small-businesses-in-great-danger-from-shutdown/) - While the country turned their heads from the massive economic damage that the coronavirus quarantine has been causing, we won’t be able to look away forever. - [Joe Biden Chomping at the Bit to Raise Corporate Taxes](https://www.marketreview.com/news/biden-chomping-at-the-bit-to-raise-corporate-taxes/) - Presidential candidate Joe Biden’s enthusiasm for raising taxes may court favor with a lot of the electorate, but it’s only because few people know the real consequences of this. - [Crude Oil Futures Really Starting to Come Back to Life](https://www.marketreview.com/news/crude-oil-futures-starting-to-come-back-to-life/) - The price of oil simply wilted under the heat of the coronavirus lockdown. As things inch more and more towards normal, oil is rising as fast as it fell, and there’s lots more room to grow. - [Comparing Different Bond Type Performance in 2020](https://www.marketreview.com/news/comparing-different-bond-type-performance-in-2020/) - Even though the stock market gets a lot more attention, the bond market is roughly twice as big. We look at the three main types of bonds and how they have fared this year. - [South Dakota Pension Fund Dives into S&P Index ETF](https://www.marketreview.com/news/south-dakota-pension-fund-dives-into-sp-index-etf/) - After a disappointing 2019, the top-ranked South Dakota Retirement System did some housekeeping in the first quarter of 2020, including buying a million shares of an index ETF. - [Six Good Stocks to Ride Out the 2020 Storm With](https://www.marketreview.com/news/six-good-stocks-to-ride-out-2020-storm-with/) - In the rough and tumble world of stocks that we’re in now, investors are presented with all sorts of lists of stocks to go with now. We roll out six for you to have a look at. - [Nancy Lazar Discusses Changing Economic Landscape](https://www.marketreview.com/news/nancy-lazar-discusses-changing-economic-landscape/) - One of the things that we know for sure in this financial crisis is that our economy is taking a big hit. Top ranked Wall Street economist Nancy Lazar discusses what may be ahead. - [Investors Need to be Pause Before Betting on Covid-19 Vaccine](https://www.marketreview.com/news/investors-need-to-be-pause-before-betting-on-vaccine/) - In the midst of the COVID-19 outbreak, with the world clamoring for a vaccine against this, many investors are hoping to cash in on this. It may not be all that exciting though. - [Cliff Asness Still Clinging to Beliefs About Weak Stocks](https://www.marketreview.com/news/cliff-asness-still-clinging-to-beliefs-about-weak-stocks/) - AQR Capital Management founder Cliff Asness wasn’t a big fan of value stocks, but he changed his mind last fall, feeling that they are now due. He is still waiting patiently. - [Bank Stocks Stagger in the Face of Negative Rate Threat](https://www.marketreview.com/news/bank-stocks-stagger-in-the-face-of-negative-rate-threat/) - It often doesn’t take much to scare financial markets, and the way that they interpreted Fed Chairman Jay Powell’s comments on the prospects of negative interest rates proves this. - [Goldman Sachs Believes Stock Market Will Drop by 18%](https://www.marketreview.com/news/goldman-sachs-believes-stock-market-will-drop-by-18pct/) - Pointing to several current issues that by themselves would normally weigh on stocks significantly, Goldman sees us giving back 18% of recent stock market gains over the next 3 months. - [Housing Market Should Hold Up Fairly Well from Crisis](https://www.marketreview.com/news/housing-market-should-hold-up-fairly-well-from-crisis/) - During the last financial crisis, the housing market was ground zero. It’s much more on the periphery this time, and the effects of the lockdown will be more like a stall than a crash. - [ProShares Ultra QQQ Still Turbocharging Investor Returns](https://www.marketreview.com/news/proshares-ultra-qqq-still-turbocharging-investor-returns/) - The standard advice that investors get has them diluting their stock returns by balancing with bonds. We may want go the other way instead, to double down on our stock returns. - [Last Year’s Top Performing Stock AMD Holding Up Well in 2020](https://www.marketreview.com/news/amd-holding-up-well-in-2020/) - AMD outperformed every other stock in the market last year by a huge margin. While this scares some people, especially in the face of a big pullback, AMD continues to shine. - [Hedge Fund Manager Paul Tudor Jones Bullish on Bitcoin](https://www.marketreview.com/news/paul-tudor-jones-bullish-on-bitcoin/) - Legendary hedge fund manager Paul Tudor Jones, like the majority of investors, believed that gold was the best hedge against inflation. He’s changed his mind. - [Neel Kashkari Believes Job Crisis Will Get “Much Worse”](https://www.marketreview.com/news/kashkari-believes-job-crisis-will-get-much-worse/) - April’s job numbers came in on Friday, and 20.5 million losing their jobs during the month should concern us plenty. Neel Kashkari of the Minneapolis Fed says it will get much worse. - [Nasdaq 100 Now Up for 2020, Value Stocks Still Beat Up](https://www.marketreview.com/news/nasdaq100-up-for-2020-value-stocks-still-beat-up/) - Investors place huge sums of money into what are called value funds, hoping that these funds will outperform. It’s not enough to observe their failure, as we need to understand why. - [2020 Expected to See Sector Divergence Increase](https://www.marketreview.com/news/2020-expected-to-see-sector-divergence-increase/) - While stocks do tend to move together a lot, and most investors seek to spread their money out among a wide variety of stocks, stock picking is becoming even more important. - [Disney Sickness Considerably Worse Than Expected](https://www.marketreview.com/news/disney-sickness-considerably-worse-than-expected/) - Disney just got a check-up and they are even sicker than we thought. They missed their earnings expectations by a mile and have seen their profits decline by 93%. - [Investors Follow Buffett in Parachuting out of Airline Stocks](https://www.marketreview.com/news/investors-follow-buffett-in-parachuting-out-of-airline-stocks/) - Warren Buffett doesn’t dump his positions very often, so when he gets rid of all of his airline stocks, because he thinks they are just that bad, this is going to alarm some people. - [Berkshire Hathaway Loses $54.5 Billion Last Quarter](https://www.marketreview.com/news/berkshire-hathaway-loses-54-5-billion-last-quarter/) - Warren Buffett wants investors to turn away from their massive losses in Q1, calling them “unrealized gains and losses.” His shareholders are certainly realizing them though. - [Concerns Emerge Over Rush to Anti-COVID-19 Meds](https://www.marketreview.com/news/concerns-emerge-over-rush-to-anti-covid19-meds/) - There is a strong belief persisting that our economy and way of life won’t return to normal until we have a medical solution to this outbreak. Some fear we are rushing too much. - [Leading Growth Stocks Behaving Nicely Defensive as Well](https://www.marketreview.com/news/leading-growth-stocks-behaving-nicely-defensive-as-well/) - Schwab’s chief investment strategist is telling us that we need to be wary of big growth stocks because they are riskier in bear markets. We’re seeing the opposite though. - [Can Treasuries Be Made More Exciting than Stocks Now?](https://www.marketreview.com/news/can-treasuries-be-made-more-exciting-than-stocks-now/) - Given that the economy has taken such a hammering lately, many have already feasted on the rebound in stocks. The rebound in treasury yields is more exciting if we play this right. - [GE Earnings Disappoint and Outlook Remains Bleak](https://www.marketreview.com/news/ge-earnings-disappoint-outlook-remains-bleak/) - The idea with long-term investing in stocks is to see significant price growth. GE stock is down 90% over the last 20 years, and this trend does not look like it will end anytime soon. - [20% of the Value of the S&P 500 Now in Just 5 Stocks](https://www.marketreview.com/news/20pc-of-the-value-of-sp500-now-in-5-stocks/) - We sometimes hear concern about how top weighted the S&P is, with 20% of its value in the top 5 out of 500 stocks. This actually makes sense, and is not a misrepresentation. - [Economist Pleads for Caution in U.S. Reopening Economy](https://www.marketreview.com/news/economist-pleads-for-caution-in-us-reopening-economy/) - With Georgia already moving to open their economy up more, and most states having their stay at home orders expiring soon, how we do this has become a huge debate. - [Comparing Recent Performance of 3 Vanguard ETFs](https://www.marketreview.com/news/comparing-recent-performance-of-3-vanguard-etfs/) - Most investors tend to build their strategies not so much for sunny days, but to prepare for when the rain comes. It’s raining hard now, which provides some valuable perspective. - [Many Small Investors Duped by WTI Futures ETF](https://www.marketreview.com/news/many-small-investors-duped-by-wti-futures-etf/) - ETFs can be a nice tool for investors to participate in markets that they normally wouldn’t, like WTI oil futures. We need to look at the ingredients of these ETFs first. - [Stock Markets on Pace for Best Month in Nine Years](https://www.marketreview.com/news/stock-markets-on-pace-for-best-month-in-nine-years/) - How well the stock market has done in the month of April so far, in the face of all the very dark clouds in the economic sky, have people scratching their heads. - [Harold Hamm Calls for Investigation into Futures Trading](https://www.marketreview.com/news/hamm-calls-for-investigation-into-futures-trading/) - Harold Hamm of Continental Resources was already a critic of the futures market, but seeing it going into the red has him assuming that there must be misconduct involved. - [Oil Crisis Really Testing Stock Market Bull’s Resolve](https://www.marketreview.com/news/oil-crisis-testing-stock-market-bulls-resolve/) - The stock market bears have been licking their chops since stocks started to rebound, predicting a second fall and a bigger one this time. Stocks are still holding up pretty well. - [WTI May Oil Futures Completely Blow Up at Expiration](https://www.marketreview.com/news/wti-may-futures-completely-blow-up-at-expiration/) - Futures contract expiration days can be plenty interesting, and a lot of money can be made, but Monday’s May WTI oil futures trading took us into another universe. - [Is the Tech SPDR Really Riskier than the S&P 500?](https://www.marketreview.com/news/is-tech-spdr-really-riskier-than-sp500/) - The S&P 500 is the most popular index fund by far among investors, because they think it’s better to be more diversified, to manage risk. Reality tells a different story though. - [The Real Reason Small Caps Underperform So Much](https://www.marketreview.com/news/real-reason-small-caps-underperform-so-much/) - It is believed that small cap stocks lose more during pullbacks because they are smaller and therefore more sensitive to economic downturns. The real reason is simpler than that. - [Production Cuts Can’t Keep Oil from Dropping Below $20](https://www.marketreview.com/news/production-cuts-cant-keep-oil-from-dropping-below-20/) - Demand for oil has dropped off so much from the current slowdown that the recent agreement to cut production by 10 million barrels a day hasn’t come close to fixing this. - [Ray Dalio Believes It’s “Crazy” to Hold Bonds Right Now](https://www.marketreview.com/news/dalio-believes-its-crazy-to-hold-bonds-right-now/) - Legendary hedge fund investor Ray Dalio is particularly known for his understanding of bonds, and has made billions from them. He now thinks that it is “crazy” for investors to hold them. - [Burton Malkiel Still Bullish After All These Years](https://www.marketreview.com/news/burton-malkiel-still-bullish-after-all-these-years/) - Burton Malkiel’s influence upon stock market thinking has been remarkable. He’s still promoting market randomness at age 87, and remains pretty bullish. - [Amazon Stock Hits Another All Time High Tuesday](https://www.marketreview.com/news/amazon-stock-hits-another-all-time-high-tuesday/) - While there remains some serious questions out there as to where stocks may be headed during the coming economic recovery, Amazon is going up even more now. - [Using Quantitative Analysis to Understand Our Crisis](https://www.marketreview.com/news/using-quantitative-analysis-to-understand-our-crisis/) - There is a wide range of opinion about how bad the economic crisis that we are in will be and if and when we will ever recover. Quantitative analysis can shed real light on this. - [Peter Schiff Warns of Hyperinflation Risks Looming](https://www.marketreview.com/news/peter-schiff-warns-of-hyperinflation-risks-looming/) - Stock market strategist Peter Schiff was once regarded as “Dr. Doom” for his pessimistic views of the housing market. He’s seeing the potential for doom once again. - [Some Investors Look to Indian Stocks for Bargains](https://www.marketreview.com/news/some-investors-look-to-indian-stocks-for-bargains/) - While stocks in emerging markets such as India generally lag U.S. stocks considerably, they do have their time and place. This looks like it may be the time and place to act. - [Fed Expands Bond Buying to Now Include Junk Bonds](https://www.marketreview.com/news/fed-expands-bond-buying-to-include-junk-bonds/) - The Federal Reserve normally confines its bond buying to U.S. treasuries, and its buying corporate bonds is a big departure. Buying corporate junk bonds is even more so. - [Consensus Building Over Stock Market Retesting Lows](https://www.marketreview.com/news/consensus-building-over-stock-market-retesting-lows/) - We often look to history to try to see the future, and this especially applies to stocks. History can be helpful, but we want to make sure that we don’t try to replace the present. - [Billionaire Investor Howard Marks Advises to Buy Stocks Now](https://www.marketreview.com/news/howard-marks-advises-to-buy-stocks-now/) - Oaktree Capital’s Howard Marks is known for his great timing, specializing in buying stocks when they are beat up. He believes that the market is in that situation now. - [GM Gets Downgraded, Stock Rallies by 9%](https://www.marketreview.com/news/gm-gets-downgraded-stock-rallies-by-9pct/) - Stocks usually go down after being downgraded by analysts, so GM stock gaining 9% after a downgrade seems very strange. These are not normal times though. - [Are We Headed for a Second Round of Market Panic?](https://www.marketreview.com/news/are-we-headed-for-second-round-of-market-panic/) - Scott Minerd of Guggenheim Partners is sounding the alarm. We’re about to open Pandora’s economic box, and the worms we see may set off another round of panic. - [Bill Gates Shares His Thoughts on Virus Recovery](https://www.marketreview.com/news/bill-gates-shares-his-thoughts-on-virus-recovery/) - Microsoft founder and vaccine champion Bill Gates has been speaking about a coming pandemic for 5 years now. He believes we need a vaccine to put all this behind us. - [Bank Investors Worry about Dividend Payments](https://www.marketreview.com/news/bank-investors-worry-about-dividend-payments/) - A certain sector of bank stock investors, those who invest to collect dividends, don’t seem bothered no matter how much money they lose on stocks, but hands-off dividends. - [Former U.S. Senator Warns Against “Economic Meltdown”](https://www.marketreview.com/news/former-senator-warns-against-economic-meltdown/) - The battle against the coronavirus is being fought on two fronts, the health one and the economic one. Former Senator Jim DeMint is one of the few seriously looking at both. - [Journalist Recommends Replacing Dividends with Options](https://www.marketreview.com/news/journalist-recommends-replacing-dividends-with-options/) - Steven Sears has been writing columns promoting options trading for individual investors since 2006. He’s now suggesting that they use options to replace dividends. - [Investors Need to Be Particularly Careful Right Now](https://www.marketreview.com/news/investors-need-to-be-particularly-careful-right-now/) - Many investors, including both individuals and institutional investors, get excited about the opportunities that high market volatility present. We need to be careful out there. - [Economic Concerns Spill Over into Mortgage Market](https://www.marketreview.com/news/economic-concerns-spill-over-into-mortgage-market/) - During the last financial crisis, mortgage lending was at the forefront. This one is far broader. Mortgages are caught up in this big net as well, but not as much as some think. - [How Investors Can Really Cash in on a Rebound in Oil](https://www.marketreview.com/news/how-investors-can-really-cash-in-on-rebound-in-oil/) - Oil stocks have been infamously bad for a long time, but nothing on the scale of what has happened lately. Oil is simply too important to be kept down this low for all that long. - [Retirement Plans Get a Little Help from Virus Fiasco](https://www.marketreview.com/news/retirement-plans-get-little-help-from-virus-fiasco/) - Among the over $2 trillion in the new Cares Act is a couple of provisions to help people with their retirement accounts during the virus panic. These changes deserve to stay. - [Chief Economist Sees Market Dropping 30% More](https://www.marketreview.com/news/chief-economist-sees-market-dropping-30pct-more/) - Even in the best of times, there are always people who remain bearish, and during full moons like this, really come out to howl at it. Economist Charles Dumas is leading the way. - [Stocks Continue to Climb Despite Exploding Unemployment](https://www.marketreview.com/news/stocks-continue-to-climb-despite-exploding-unemployment/) - The number of new unemployment claims in the U.S. blew up to 3.28 million, but we all knew that this was coming. This included the stock market which continued upward. - [The Right Way to Hedge Against Inflation Risk](https://www.marketreview.com/news/right-way-to-hedge-against-inflation-risk/) - Inflation eats away at all assets, where it gets deducted off the top from our assets. Inflation going up is a concern to many, but the best way to beat it is to just beat it. - [Stocks Surge as Investors Await Help from Congress](https://www.marketreview.com/news/stocks-surge-as-investors-await-help-from-congress/) - While it is too soon to say that the worst is over with the recent panic in the stock market, we’re seeing real signs that the buyers may be ready to really jump in. - [Fed Goes All in With Quantitative Relief Program](https://www.marketreview.com/news/fed-goes-all-in-with-quantitative-relief-program/) - While the bickering in Congress over a fiscal stimulus bill of enormous proportions continues, the Fed has thrown caution to the wind and will even be buying ETFs. - [U.S. Economy Set to Shatter Record for Worst Quarter Ever](https://www.marketreview.com/news/us-economy-set-to-shatter-record-for-worst-quarter-ever/) - The record for the worst economic decline in a single quarter is 10%, set back in 1958. That record has lasted over 60 years, but it’s about to fall, and fall in a very big way. - [Market Technicians Weigh in on Big Stock Slide](https://www.marketreview.com/news/market-technicians-weigh-in-on-big-stock-slide/) - Technical analysts at least look at what really matters when looking at stock prices, the actual prices. Even when we’re looking at the right thing, it’s important to use our heads. - [Hyperbolic Approach to Virus Creating a Big Monster](https://www.marketreview.com/news/hyperbolic-approach-to-virus-creating-a-big-monster/) - We are being told that governments are doing everything they can to save us from doom. If we are going to be facing real doom, it is the treatment, not the cure that will bring it on. - [Managing Risk and Return with Your Retirement Money](https://www.marketreview.com/news/managing-risk-and-return-with-your-retirement-money/) - We should not just take a standardized approach to advising people on their retirement money, because the circumstances vary so much. This does not stop us though. - [Bears Take Full Control of Markets on Wednesday](https://www.marketreview.com/news/bears-take-full-control-of-markets-on-wednesday/) - Wednesday’s trading saw stocks, treasuries, corporate bonds, gold, and oil all get hammered. The only game in town right now is to ride with the bears, not the bulls. - [COVID-19 Isn’t Scary, but its Economic Damage Sure Is](https://www.marketreview.com/news/covid-19-isnt-scary-but-its-economic-damage-sure-is/) - People are becoming more terrified each day of the health threat they believe COVID-19 is. The health risks aren’t scary at all, but the economic damage gets scarier each day. - [Delphi Management Shows Us How Bumbling the Industry Is](https://www.marketreview.com/news/delphi-mgt-shows-us-how-bumbling-the-industry-is/) - Among those with very little understanding of how to invest, the errors that analysts make can escape them. The mistakes they are making these days are much more glaring. - [Quants Offer Advice to Help Investors Navigate Bear Market](https://www.marketreview.com/news/quants-offer-advice-to-help-investors-navigate-bear-market/) - Quantitative analysts, called quants, employ mathematical and statistical models to understand things. Two of them are now stepping up to provide investors with their insights. - [University Endowments Happy with Poor Results](https://www.marketreview.com/news/university-endowments-happy-with-poor-results/) - University endowments have been earning returns that have well underperformed stocks, due mostly with their fascination with private equity. They happily fail though. - [Trump Declares National State of Emergency in U.S.](https://www.marketreview.com/news/trump-declares-national-state-of-emergency-in-us/) - Whether or not there is an actual emergency in the United States right now, President Donald Trump has declared one, to provide him access to up to $50 million by his own pen. - [Bears Rout U.S. Stock Markets with Biggest Down Day Ever](https://www.marketreview.com/news/bears-rout-us-stock-markets-with-biggest-down-day-ever/) - Up until this week, the Dow has never lost 1200 points in a single day. We’ve done this three times this week, including hitting the new record on Thursday where we lost 10%. - [A Glimpse into the Mind of a $27 Billion Fund Manager](https://www.marketreview.com/news/glimpse-into-mind-of-27-billion-fund-manager/) - Individual investors have been challenged plenty by the current stock crisis, and this has been all the more painful for mutual fund managers, even though they may not feel it. - [Bulls Return Serve After Massive Down Day on Monday](https://www.marketreview.com/news/bulls-return-serve-after-massive-down-day-on-monday/) - As mired as stock markets are in uncertainty during these times, and as much as they have fallen, things could be a whole lot worse if not for all the buying of these dips. - [Saudi Oil Price War and Coronavirus Deliver Double Attack](https://www.marketreview.com/news/saudi-oil-price-war-and-coronavirus-deliver-double-attack/) - With oil and stock markets already in a panic over the epidemic of virus fear that has gripped the world, Saudi Arabia declaring a price war on top of this was just too much. - [Turning Market Panic into an Advantage with ETFs](https://www.marketreview.com/news/turning-market-panic-into-an-advantage-with-etfs/) - While the great majority of stock investors wrestle with the decision of how much to be in or out during these wild times, those more in the know instead see opportunities. - [What Should Investors Do During These Crazy Times?](https://www.marketreview.com/news/what-should-investors-do-during-these-crazy-times/) - Jim Stewart writes a regular column for the New York Times called “Common Sense.” He’s got the common part down pat, but the sense part needs some real work. - [Are We Headed for Negative Yielding Treasuries?](https://www.marketreview.com/news/are-we-headed-for-negative-yielding-treasuries/) - With European rates being underwater for so long, and U.S. treasury yields really plummeting now, some are wondering how much longer the U.S. can stay positive. - [Citigroup Analyst Raises Rating on Morgan Stanley to Buy](https://www.marketreview.com/news/citigroup-analyst-raises-rating-on-morgan-stanley-to-buy/) - Fundamental analysts tend to miss a lot when they analyze stock plays, but they don’t usually get it all wrong. The idea of entering Morgan Stanley right now is just brutal. - [Position Trading Stock Indexes in Today’s Stock Market](https://www.marketreview.com/news/position-trading-stock-indexes-in-todays-stock-market/) - While a lot of traders prefer to trade individual stocks, trading the major stock indexes offers some significant benefits, especially for amateurs who need to focus on simplicity. - [Federal Reserve Delivers Shocking Emergency Rate Cut](https://www.marketreview.com/news/fed-delivers-shocking-emergency-rate-cut/) - While those who know little about how monetary policy works might be happy with the half-point rate cut the Fed laid down on Tuesday, those in the know are left bewildered. - [Fund Manager Ron Baron Consistently Showing How It’s Done](https://www.marketreview.com/news/baron-consistently-showing-how-its-done/) - It shouldn’t be that hard for an active fund manager to beat the market, and do it consistently, if we focus on what matters. Baron Capital is one of the few funds that do. - [China Already Showing Signs of Recovery from the Shutdown](https://www.marketreview.com/news/china-showing-signs-of-recovery-from-shutdown/) - China’s massive effort to try to contain the coronavirus definitely is having an effect on their economy, but now that the incident is winding down, they are starting to heal already. - [How Public Stock Devalues the Future of Business](https://www.marketreview.com/news/how-public-stock-devalues-future-of-business/) - Many people love to bash corporations, but for the wrong reasons. If we are looking to do this and want to make more sense, we need to attack their actual weakness. - [This Week’s Crazy Stock Market a Dream for Traders](https://www.marketreview.com/news/this-weeks-crazy-stock-market-a-dream-for-traders/) - While investors were left reeling from what is considered an absolutely terrible week for stocks, it provided unbelievable opportunities to those who are good at trading indexes. - [Comparing Various Shelters from the Stock Market Storm](https://www.marketreview.com/news/comparing-various-shelters-from-the-stock-market-storm/) - With the stock market falling in leaps and bounds every day this week, many investors are looking for a better place to park their money. There are several ways to do this. - [Markets Now Expect Fed to Cut Rates Later This Year](https://www.marketreview.com/news/markets-now-expect-fed-to-cut-rates-later-this-year/) - Whenever we see a meaningful drop in stock prices, people start lining up for a rate cut. The recent cuts may have made at least some sense, but one now just does not. - [Economist Sees Recession and Bearishness on the Horizon](https://www.marketreview.com/news/economist-sees-recession-and-bearishness-on-the-horizon/) - Economist David Rosenberg has been seeing weakness in the economy and has been bearish on stocks for several years now. Being wrong over and over doesn’t bother him. - [Dow Plunges 1000 Points as Stock Markets Tremble](https://www.marketreview.com/news/dow-plunges-1000-points-as-stock-markets-tremble/) - Stock markets came down with the coronavirus last month and quickly recovered once the fever broke. New fears have hit the market, and we’re left wondering once again. - [Managed Futures Funds Reeling After Mass Exodus](https://www.marketreview.com/news/managed-futures-funds-reeling-after-mass-exodus/) - Once the darling of the market, producing consistent gains twice that of stocks for 30 years, managed futures funds have fallen upon hard times. They still might have their place. - [Coronavirus Has Some Commodity Traders Excited](https://www.marketreview.com/news/coronavirus-has-some-commodity-traders-excited/) - The coronavirus scare and gold are made for each other. The soft commodities have taken a hit, but several commodities advisors see this as a good opportunity. - [Jacob Lew Believes U.S. Abusing Its Economic Power](https://www.marketreview.com/news/jacob-lew-believes-us-abusing-its-economic-power/) - Former Treasury secretary Jacob Lew has a bone to pick with the Trump administration, believing that they are overusing, abusing and undermining U.S. economic power. - [Top-Ranked MFS Looking to Keep Active Mutual Funds Alive](https://www.marketreview.com/news/mfs-looking-to-keep-active-mutual-funds-alive/) - It’s not easy to find an actively managed fund that does what it is supposed to, which is to provide above average and not below average returns. MFS is doing its best. - [SEC Finally Updating Requirements for Rolling out IPOs](https://www.marketreview.com/news/sec-updating-reqs-for-rolling-out-ipos/) - The way that initial public offerings have been traditionally placed in the market harkens back to bygone days where paper was king. We’re finally looking to modernize this process. - [Morgan Stanley Strategist Believes that the End is Near](https://www.marketreview.com/news/morgan-stanley-strategist-believes-that-end-is-near/) - It’s always interesting to hear from the bear camp during a bull run. Morgan Stanley strategist Andrew Sheets thinks the stock “cycle” is nearing an end, and tells us why. - [Bank of America Concerned About “Double Bubble”](https://www.marketreview.com/news/boa-concerned-about-double-bubble/) - When they look at how much money retail investors are pouring into both stock and bond funds right now, Bank of America is worried that we might be creating a bubble with both. - [Minneapolis Fed President Calls Bitcoin “Burning Garbage”](https://www.marketreview.com/news/mpls-fed-president-calls-btc-burning-garbage/) - We’re not sure why Federal Reserve member Neel Kashkari feels that he’s qualified to speak about investments. What he lacks in knowledge, he more than makes up for with contempt. - [Top-End Small Cap Fund Company Doing Well Overseas](https://www.marketreview.com/news/top-end-small-cap-fund-company-doing-well-overseas/) - Brown Capital Management’s Small Company Fund beats 99% of its peers. They also have a newer fund focused on foreign stocks that is getting accolades. Do they deserve them? - [Grantham Tells Investors Climate Change Will Trample Them](https://www.marketreview.com/news/grantham-tells-investors-climate-change-will-trample-them/) - Jeremy Grantham is as passionate about climate change as they come in the industry, enough to allow him to think that climate change will trample our portfolios somehow. - [Sanders Win in New Hampshire Stokes the Fire](https://www.marketreview.com/news/sanders-win-in-new-hampshire-stokes-the-fire/) - The idea of Bernie Sanders being the stock market’s best hope for Trump to win is starting to gain more traction. We need to be careful when we wish for this though. - [Pivotal Research Downgrades Facebook to a Sell](https://www.marketreview.com/news/pivotal-research-downgrades-facebook-to-a-sell/) - Fundamental stock analysts don’t usually like using the “s” word, and by the time they tell you to sell, you should have sold a long time ago. This sell call is more proactive. - [ETFs Did Not Have a Tough Last Year as Is Claimed](https://www.marketreview.com/news/etfs-did-not-have-tough-last-year-as-claimed/) - We might want to think that seeing less new ETFs introduced last year, as well as a higher percentage of them closing, might not look so good for ETFs. Think again. - [Why So Many Mutual Funds Can’t Beat the Indexes](https://www.marketreview.com/news/why-so-many-mutual-funds-cant-beat-the-indexes/) - Investing in stock indexes doesn’t require any skill in stock picking at all. How can no skill beat the presumed skill of fund managers? They obviously aren’t using much skill. - [Annuities About to Have a Bigger Footprint in 401(k)s](https://www.marketreview.com/news/annuities-about-to-have-bigger-footprint-in-401ks/) - With the SEC making the offering of annuities in companies’ 401(k) retirement plans easier, we are now scrambling to make this type of investment more transparent. - [Law Professor Hoping Sanders Will “Save Capitalism”](https://www.marketreview.com/news/law-professor-hoping-sanders-will-save-capitalism/) - What does the left-wing branch of corporate and antitrust law look like? Wayne State law professor Sanjukta Paul gives us a glimpse, and It's a pretty strange world indeed. - [Exxon Mobil Stubbornly Refuses to Cut its Dividend](https://www.marketreview.com/news/exxon-mobil-refuses-to-cut-its-dividend/) - Oil giant Exxon Mobil has increased its dividend for the last 17 years without fail. They want to increase it again this year. They don’t have the money, so they are going to borrow it. - [Is the Stock Market Guilty of “Casino Capitalism”?](https://www.marketreview.com/news/is-the-stock-market-guilty-of-casino-capitalism/) - Ralph Nader is at it again, and he’s now accusing the stock market of promoting “casino capitalism.” Could it be that Mr. Nader is starting to figure out this a little more? - [What We Can Learn from This Week’s Stock Rally](https://www.marketreview.com/news/what-we-can-learn-from-this-weeks-stock-rally/) - If the stock market was really concerned about things like valuation, the coronavirus offered the bears a perfect opportunity to flee. The bulls are still carrying the day. - [Peering into the Twisted World of Income Investing](https://www.marketreview.com/news/peering-into-twisted-world-of-income-investing/) - Calling the way that we advise those who consider themselves to be “income investors” clueless doesn’t quite fit. Clueless means knowing nothing, but this is worse than that. - [Why We Want to Be Careful When Investing in Value Funds](https://www.marketreview.com/news/why-we-want-to-be-careful-when-investing-in-value-funds/) - Value funds seem to take a defensive approach to investing by steering away from good performing stocks and favoring poorer ones. This isn’t that good of a deal though. - [Coronavirus Teaches Us to Use Bonds the Right Way](https://www.marketreview.com/news/coronavirus-teaches-us-to-use-bonds-the-right-way/) - Back on January 24, the stock market began to buckle under the force of the coronavirus, we told you it was time for gold, but bonds have been picking up as well. - [Managing Long-Term Positions with Futures Trading](https://www.marketreview.com/news/managing-long-term-positions-with-futures-trading/) - Many investors wish to keep their long-term stock positions for tax reasons, but this involves taking on the full risk involved. Managing this with futures can make sense. - [U.S. Officials Say Debt Problem Worse than Believed](https://www.marketreview.com/news/us-officials-say-debt-problem-worse-than-believed/) - The U.S. Congressional Budget Office has just issued a warning that the debt situation has deteriorated considerably since last August. How much do we have to worry about this? - [Ralph Nader Warns of Pending Stock Market Implosion](https://www.marketreview.com/news/ralph-nader-warns-of-pending-stock-market-implosion/) - Ralph Nader isn’t just a legend in his field, he stands far above anyone else. His field of expertise is not the stock market, although that isn’t stopping him from speaking out. - [Is Corporate Debt Now Creating a “Ponzi Market”?](https://www.marketreview.com/news/is-corporate-debt-now-creating-a-ponzi-market/) - Companies these days are borrowing at unprecedented rates, although the real threat here isn’t so much default as it is sacrificing future profits for shorter-term stock love. - [Schwab Rolls out New Ad Promoting Stock Balancing](https://www.marketreview.com/news/schwab-rolls-out-new-ad-promoting-stock-balancing/) - Seeing a company like Schwab running an ad encouraging investors to diversify by balancing stocks and stock sectors may not appear noteworthy, but it certainly is. - [Is IBM Really That Good of a Defensive Stock?](https://www.marketreview.com/news/is-ibm-really-that-good-of-a-defensive-stock/) - IBM is being touted as a good defensive technology stock these days. They pay a very good dividend and isn’t as volatile as many tech stocks. Does this make it a good defensive play? - [Using Gold to Hedge Against Stock Market Illness](https://www.marketreview.com/news/using-gold-to-hedge-against-stock-market-illness/) - The stock market seems to be coming down with a virus right now, and while people aren’t that concerned about this one, we can still take a little medicine for these things. - [Why Can’t We Have Double Digit Returns in 2020?](https://www.marketreview.com/news/why-cant-we-have-double-digit-returns-in-2020/) - Just about all of the analysts are calling for only single-digit returns for stocks in 2020. We shouldn’t just take their word for this though, and look into the matter more deeply. - [Is it Wise to Recommend Shorting Apple Right Now?](https://www.marketreview.com/news/is-it-wise-to-recommend-shorting-apple-right-now/) - If anyone was wondering what the all-time worst stock recommendation was, this would certainly promote a lot of discussion, at least up until now. People need to wonder no more. - [Analyst Says it’s Time to Buy Aurora Cannabis Stock](https://www.marketreview.com/news/analyst-says-its-time-to-buy-aurora-cannabis-stock/) - When a stock has lost 80% of its value since last March, and with some analysts forecasting another 50% decline from here, we need to be careful if we want to jump on this. - [Davos 2020 Continuing the Debate on Stakeholder Capitalism](https://www.marketreview.com/news/davos-2020-continuing-debate-on-stakeholder-capitalism/) - One of the legacies of economist Milton Friedman was the concept of stakeholder capitalism. People are now looking to modify this, but not in an intelligent way. - [Could Bond Yields Prevent the Dow From Hitting 30K?](https://www.marketreview.com/news/could-bond-yields-prevent-dow-from-hitting-30k/) - It is said that there are eight million stories in the Naked City, some more naked than others. The one about yields putting a lid on stock growth is about as naked as they come. - [Concerns about New IRA Changes Are Out of Touch](https://www.marketreview.com/news/concerns-about-new-ira-changes-are-out-of-touch/) - New changes that will limit how far certain beneficiaries can stretch an inherited IRA have the retirement management community concerned. This is not a big change though. - [Technical Analyst Sees Emerging Markets Taking Over](https://www.marketreview.com/news/technical-analyst-sees-emerging-markets-taking-over/) - Fundamental analysts get lost in their perspective and ignore charts, where technical analysts at least are looking at the right thing. They can get lost in their charts though. - [Democrats Set Their Sights More on High Drug Prices](https://www.marketreview.com/news/democrats-set-their-sights-more-on-high-drug-prices/) - Normally, it is preferable to let the market determine the price of something. With something that is believed to be essential, we need to really make sure the market is free. - [It’s a Lot Harder to Beat some Indexes Than we Think](https://www.marketreview.com/news/its-lot-harder-to-beat-some-indexes-than-we-think/) - In spite of only 1 in 5 active funds beating the S&P 500, plenty of investors still want to take their chances. There are better indexes than this, which active funds can’t touch. - [BlackRock to Stop Holding Positions in Coal Companies](https://www.marketreview.com/news/blackrock-to-stop-holding-positions-in-coal-companies/) - According to BlackRock CEO Larry Fink, the most important thing to investors these days is climate change. He has started addressing this by getting out of coal companies. - [Bank of America Looks Well Positioned to Rise Further](https://www.marketreview.com/news/bank-of-america-looks-well-positioned-to-rise-further/) - There are a few ingredients that are helpful to drive a company’s stock higher. Bank of America is a nice mix of business performance, buybacks, and increased optimism. - [Taking a Deeper Look Inside Recent Employment Numbers](https://www.marketreview.com/news/taking-deeper-look-inside-recent-employment-numbers/) - In spite of how great the employment numbers are, there’s always room for complaints. It’s important to realize that we don’t want certain numbers to be too good though. - [Calls Increase for Apple to Cut Buybacks and Jack Dividends](https://www.marketreview.com/news/calls-increase-for-apple-to-cut-buybacks-and-jack-dividends/) - Unlike some big growth companies, Apple stock actually pays dividends, although the yield on this is now down to about 1%. Apple has wisely focused more on stock buybacks. - [Narrower Market Leadership Makes Selection More Key](https://www.marketreview.com/news/narrower-market-leadership-makes-selection-more-key/) - The bull market marches on, but we’re seeing it being led by a small number of stocks. This means that it’s all the more important to focus on the strong and avoid the weak. - [Apple Gets More Punches Thrown at Them at Golden Globes](https://www.marketreview.com/news/apple-gets-more-punches-thrown-at-them-at-golden-globes/) - 2020 Golden Globes host Ricky Gervais fancies himself as a comedian, and maybe even a good one, given how much of a fool that he made of himself on this awards show. - [Cooler Heads Prevail in U.S./Iran Military Showdown](https://www.marketreview.com/news/cooler-heads-prevail-in-us-iran-military-showdown/) - When two hotheads and gunslingers Donald Trump and Ayatollah Ali Khamenei get into a gunfight, anything can happen. It turns out that both are wiser than they get credit for. - [Michael Bloomberg Says Trump is Wrong, Economy is Broken](https://www.marketreview.com/news/michael-bloomberg-says-trump-is-wrong-economy-is-broken/) - Democratic presidential candidate Michael Bloomberg just wrote an op-ed piece to tell us that in spite of what President Trump says, the economy is broken and he wants to fix it. - [New SEC Advisory Rules Provide Little Improvement](https://www.marketreview.com/news/new-sec-advisory-rules-provide-little-improvement/) - As we prepare for the new advisory regulations set to be implemented this coming June, requiring advisors to pursue the best interests of clients, we’re still far away from this ideal. - [Coke Might Not Be Exciting, But It Still Has its Place](https://www.marketreview.com/news/coke-might-not-be-exciting-but-it-still-has-its-place/) - If we want to go with a stock that lags over ones that don’t, including the index itself, we should need some very good reasons to do it. Coke does have its time and its place. - [Experts Advise Precautions Against Geopolitical Risk](https://www.marketreview.com/news/experts-advise-precautions-against-geopolitical-risk/) - With the potential for conflict between Iran and the United States at hand, while we should not overestimate the risk to stocks, some are advising that we hedge our bets. - [Ned Davis Predicts Bond Funds to Remain Strong in 2020](https://www.marketreview.com/news/ned-davis-predicts-bond-funds-to-remain-strong-in-2020/) - Bond funds have had a big target on their back after their peak last summer. Bonds had a great first 8 months of 2019, and the outlook has changed, but not for Ned Davis. - [Designing A Simple Stock Picking Strategy for 2020](https://www.marketreview.com/news/designing-simple-stock-picking-strategy-for-2020/) - When it comes to designing a stock picking strategy, we tend to make things a lot more complicated than we need to. We can do well just by using a couple of basic principles. - [Dogs of the Dow Strategy Continues to Impress Investors](https://www.marketreview.com/news/dogs-of-dow-strategy-continues-to-impress-investors/) - A lot of investors are intrigued by the Dogs of the Dow strategy, which goes with the top 10 dividend yielding Dow stocks and beats the market. This doesn’t mean it’s that great though. - [How Much Will P/E Ratios Dampen Markets in 2020?](https://www.marketreview.com/news/how-much-will-pe-ratios-dampen-markets-in-2020/) - If you believe that price to earnings ratios are a big constraint on stock prices, you probably don’t expect much from stocks in 2020. This wall is only made of paper though. - [Applied Materials Stock Poised for Even More Growth](https://www.marketreview.com/news/applied-materials-stock-poised-for-even-more-growth/) - When a stock gains 90% in a single year, as Applied Materials has in 2019, we may worry that the party may be ending soon. Things are set to improve even more though. - [Using Sector SPDRs to Play the Market the Right Way](https://www.marketreview.com/news/using-sector-spdrs-to-play-the-market-right-way/) - Sector SPDRs group the market in 10 categories, where we can select the ones we want and the ones we don’t. Going with the better half of these makes a lot of sense. - [Is Berkshire Hathaway a Contender or Pretender in 2020?](https://www.marketreview.com/news/is-berkshire-hathaway-contender-or-pretender-in-2020/) - We want to avoid stocks that are more likely to lose us money than not, but there’s another type to avoid, tired old dogs that haven’t kept up with the pack for many years. - [Goldman Predicts Stocks Will Continue to Grow in 2020](https://www.marketreview.com/news/goldman-predicts-stocks-will-continue-to-grow-in-2020/) - Goldman Sachs is in agreement with the consensus that 2020 will be mildly bullish. Their use of the Sharpe index to pick individual stocks is what is most interesting. - [With Interest Rates This Low, More Looking to Refinance](https://www.marketreview.com/news/with-interest-rates-this-low-more-looking-to-refinance/) - Depending on the circumstances, it can always be a good time to refinance your mortgage. Today’s low rates make this even more tempting, but we need to be careful. - [Gold Breaks Through $1500 Again, Buoying Hopes](https://www.marketreview.com/news/gold-breaks-through-1500-again/) - While round numbers such as $1500 really isn’t that big of a deal, breaking trendlines certainly can be. Gold prices are looking like they are getting ready to move up again. - [Deciding What Sort of Investor You Want to Be](https://www.marketreview.com/news/deciding-what-sort-of-investor-you-want-to-be/) - Al Root has an article out now comparing what he feels are the three investment styles to planetary orbits. Do we want to be stuck on a single orbit though? - [Alphabet Stock Primed for Another Good Year in 2020](https://www.marketreview.com/news/alphabet-stock-primed-for-another-good-year-in-2020/) - Alphabet, better known as the company who owns Google, has been a star performer ever since the stock got issued in 2004. As big as it has become, it is still growing nicely. - [Investors Being Tempted by Becton Dickinson Stock](https://www.marketreview.com/news/investors-being-tempted-by-becton-dickinson-stock/) - We always want to make sure that our investment decisions are made from the high ground. If we are willing to go out on a limb, we need to make sure the limb is strong. - [How China’s Mounting Debt Crisis Could Affect the U.S.](https://www.marketreview.com/news/how-chinas-mounting-debt-crisis-could-affect-the-us/) - China’s economy has been growing at a frantic pace for quite a while now. As this growth slows, so does their capacity to pay back debt. Big cracks are now showing. - [Boeing’s Shutdown Not as Scary as It May Appear](https://www.marketreview.com/news/boeings-shutdown-not-as-scary-as-it-may-appear/) - The drop in the price of Boeing stock by 24% since the beginning of March has served as a big drag on the Dow. Now it singlehandedly may be putting down GDP by 0.5% more. - [Factor Investing Funds Offer an Interesting Approach](https://www.marketreview.com/news/factor-investing-funds-offer-an-interesting-approach/) - One of the drawbacks of funds is their singular approach to managing cycles, which means walking a certain path and not straying. Factor investing is at least more dynamic. - [Tesla’s Recent Trading Activity Should Enlighten Us](https://www.marketreview.com/news/teslas-recent-trading-activity-should-enlighten-us/) - People are struggling to explain what might be behind Tesla stock rocketing up the charts lately. The real lesson here is that we should not even be trying to explain it. - [The Top Trading Mistakes that Traders are Prone To](https://www.marketreview.com/news/trading-mistakes-that-traders-are-prone-to/) - Trading has been particularly lucrative over the last while with markets being so nice and volatile, but trading also accelerates the impact of our mistakes. Here are the biggest ones. - [David Kelly Weighs in on Today’s Investment Climate](https://www.marketreview.com/news/david-kelly-weighs-in-on-todays-investment-climate/) - J.P. Morgan Asset Management’s chief global strategist David Kelly has just shared his thoughts on a number of issues of concern to investors, and he covers a lot of ground. - [Royal Dutch Shell Actually Might Be a Good Play in 2020](https://www.marketreview.com/news/royal-dutch-shell-actually-might-be-a-good-play-in-2020/) - Royal Dutch Shell is being touted by Barron’s as one of their top 10 stock picks for 2020. They think its growth prospects are noteworthy, but it might be good for another reason. - [In the World of Investing, Beware of Oracles](https://www.marketreview.com/news/in-the-world-of-investing-beware-of-oracles/) - In the investment world, there’s an oracle on every street corner, all looking to pop out in your face and tell you all about what is going to happen. Be careful who you listen to. - [How Much Stock Should You Hold in Retirement?](https://www.marketreview.com/news/how-much-stock-should-you-hold-in-retirement/) - Income in retirement is far too important to be left to simple-minded calculations. We need to get off the path of simple-mindedness and actually look to figure this out right. - [Why a Warren Presidency Might Not Be So Scary](https://www.marketreview.com/news/why-warren-presidency-might-not-be-so-scary/) - Bernstein continues to attempt to downplay the effect that Elizabeth Warren becoming president may have on the markets. It may be less than we think, but for a different reason. - [Saudi Aramco IPO Launches Amid Significant Concerns](https://www.marketreview.com/news/saudi-aramco-ipo-launches-amid-significant-concerns/) - Saudi Aramco is far from your average IPO, starting with it being only a very small piece of the overall company, with the Saudi government holding the rest. This is not a good bet. - [Dealing with a Bankruptcy in Your Senior Years](https://www.marketreview.com/news/dealing-with-bankruptcy-in-your-senior-years/) - Bankruptcies are painful at any age, including late in life. The aftermath of a bankruptcy isn’t as bad as many may think, and considerably less so for people already in retirement. - [Stock Market Encouraged by Stellar Jobs Report](https://www.marketreview.com/news/stock-market-encouraged-by-stellar-jobs-report/) - Of all the things we look at when we try to gauge the state of the economy, nothing is more important than employment numbers. This is where the rubber meets the road. - [Accounting for the Costs of Investment Diversification](https://www.marketreview.com/news/accounting-for-the-costs-of-investment-diversification/) - Diversification is a popular tool at any time, but as investors seek to protect themselves even more now due to the uncertainty of the stock market, they need to also weigh the costs. - [Will Small Cap Indexes Outperform Major Indexes in 2020?](https://www.marketreview.com/news/will-small-cap-indexes-outperform-major-indexes-in-2020/) - Analysts are lining up to tell us that small-caps will be big in 2020, where we may expect the S&P 600 and the Russell 2000 to beat the S&P 500. Visions of sugarplums aren’t enough though. - [Are Small Cap Stocks About to Catch Up More?](https://www.marketreview.com/news/are-small-cap-stocks-about-to-catch-up-more/) - Whenever a type of stock or stock investing strategy has been running cold, people expect a comeback. Talk is picking up about small cap stocks coming back soon. - [Should Stock Investors Take Money Off the Table Now?](https://www.marketreview.com/news/should-stock-investors-take-money-off-the-table-now/) - People have been discussing all year whether or not investors should pull back or even get out of stocks. This dialogue is picking up again, and this is at least worth thinking on. - [In the Segmented World of Funds, Beware of False Crowns](https://www.marketreview.com/news/in-the-segmented-world-of-funds-beware-of-false-crowns/) - Fund Manager Paul Hogan is said to beat 99% of his peers that he shares a part of the investment forest with. This can allow us to fail but still be able to brag about the failure. - [Exxon Mobil May Surge 47% in 2020, Say Analysts](https://www.marketreview.com/news/exxon-mobil-may-surge-47-in-2020-say-analysts/) - Bank of America Merrill Lynch is touting broken-down stock Exxon Mobil as their top pick for 2020 in the broken-down energy sector. This in itself doesn’t count for much though. - [Peloton Gives Back 9% Tuesday, was it the Ad that Did It?](https://www.marketreview.com/news/peloton-gives-back-9-tuesday-was-it-the-ad/) - Peloton’s IPO started out very slowly, spending the first month of its life underwater. November brought glad tidings and it suddenly was up about 50%. Then came the ad. - [The Real Reason Roku Stock is So Prone to Falling Now](https://www.marketreview.com/news/real-reason-roku-stock-is-prone-to-falling-now/) - Morgan Stanley analyst Benjamin Swinburne just downgraded Roku from the equivalent of a hold to a sell, and people are selling. It was not fundamentals that did this though. - [A High Dividend ETF that Compares Well with the Market](https://www.marketreview.com/news/a-high-dividend-etf-that-compares-well-with-the-market/) - It seems that some dividend funds can keep up with the market, but this does not mean that they are the best choice. We also need to make sure we factor in both risk and return. - [Bitcoin Remains Poorly Understood by Many](https://www.marketreview.com/news/btc-remains-poorly-understood-by-many/) - Bitcoin is at least becoming more mainstream, with big institutions such as ICE and Fidelity coming on board. Our understanding of Bitcoin still has a long way to go though. - [Is Going Long Oil a Reliable Enough Play Right Now?](https://www.marketreview.com/news/is-going-long-oil-a-reliable-enough-play-right-now/) - Energy analyst Joe McMonagle, former chief of staff at the Department of Energy, expects oil prices to rise over the next few months. Is this belief reliable enough to bet on? - [JP Morgan Predicts Another Good Year for Stocks in 2020](https://www.marketreview.com/news/jpmorgan-predicts-another-good-year-for-stocks-in-2020/) - 2019 has been a good year for stocks so far, but it could have been quite a bit better if not for individual investors dragging it down. JP Morgan expects this to change in 2020. - [All-Time Highs Should Excite Us, Not Scare Us](https://www.marketreview.com/news/all-time-highs-should-excite-us-not-scare-us/) - It’s not uncommon for investors to be hesitant or even afraid to buy stocks when they or the market is at an all-time high. This is a great time to invest, and the numbers prove it. - [How Boeing Stock May Fare When the Planes Come Back](https://www.marketreview.com/news/how-boeing-stock-may-fare-when-the-planes-come-back/) - The market always does its best to price in risks with its stocks. Boeing has had quite a bit of risk priced in already, but we may be underestimating the total cost of this fiasco. - [Passive Funds Have Ruled the Roost Over the Last Decade](https://www.marketreview.com/news/passive-funds-have-ruled-the-roost-over-the-last-decade/) - Some may think that an actively managed fund should at least beat the market, because this is what we pay them more for. 78% of them fail to even do this. - [Goldman Sachs Predicts Mini-Bear Market for Bonds](https://www.marketreview.com/news/goldman-sachs-predicts-mini-bear-market-for-bonds/) - We’ve been speaking about how risky bonds are right now and to expect a significant pullback. Few bond investors really understand even why such things should matter to them. - [Mob Storms Harvard Yale Football Game to Protest Investments](https://www.marketreview.com/news/mob-storms-harvard-yale-football-game-to-protest-investments/) - It costs about $50,000 a year for tuition alone these days at top schools like Harvard and Yale. Whatever all this money buys, teaching them to reason well isn’t on the list. - [How Kraft Heinz Stock Ended Up Being Kicked to the Curb](https://www.marketreview.com/news/how-kraft-heinz-stock-ended-up-being-kicked-to-the-curb/) - When we see a company such as Kraft Heinz get hammered so much, we usually think that it’s the grocery business itself that is to blame. This has been all by their own hand. - [How We May Seek to Improve Wealth Inequality](https://www.marketreview.com/news/how-we-may-seek-to-improve-wealth-inequality/) - Given how large the grass roots campaign against wealth inequality has grown, with two presidential candidates now in tow, if we’re going to improve this, we need to be careful. - [Google to Start Offering Checking Accounts in 2020](https://www.marketreview.com/news/google-to-start-offering-checking-accounts-in-2020/) - At first glance, it might seem pretty odd that the world’s most popular search engine would get into the banking business. Google offering banking actually makes sense. - [Why So Many Do Not Put Enough in their 401(k) Plans](https://www.marketreview.com/news/why-so-many-dont-put-enough-in-their-401k-plans/) - Three researchers from Boston College have just released a paper discussing shortcomings of the 401(k) retirement plan. The problems run even deeper than this. - [Taking Advantage of the Salmon Boom Sustainably](https://www.marketreview.com/news/taking-advantage-of-the-salmon-boom-sustainably/) - The backlash against salmon farming is just beginning. Not all salmon farms are dangerous though, and one Norwegian company has found a safer way to do this. - [Invesco RAFI Fund Seeks to Improve Value Investing](https://www.marketreview.com/news/invesco-rafi-fund-seeks-to-improve-value-investing/) - RAFI funds look to improve the standard value investing approach by not just investing just because a stock is doing badly. Does this approach improve this strategy enough? - [Under Armour Takes Another Hit After Weaker Guidance](https://www.marketreview.com/news/ua-takes-another-hit-after-weaker-guidance/) - Under Armour has already been an embattled stock, falling from the over $100 it traded at 4 years ago to hanging around the $20 area since the start of 2017. Things just got worse. - [McDonald’s Board Turfs CEO and Pays the Price](https://www.marketreview.com/news/mcdonalds-board-turfs-ceo-pays-the-price/) - McDonald’s CEO Steve Easterbrook had been guiding the company very well over his 4-year tenure. He was unceremoniously dumped this week, for reasons that should startle us. - [Uber Lock-Up Period Expires, Stock Continues to Drop](https://www.marketreview.com/news/uber-lock-up-period-expires-stock-continues-to-drop/) - Wednesday, November 6 has been a date that has been looming with Uber stock since it debuted in May. That day is now here, and a flood of supply is now in the mix. - [Papa John’s Stock Moves Forward on Improved Outlook](https://www.marketreview.com/news/papa-johns-stock-moves-forward-on-improved-outlook/) - An article promoting the virtues of leading pizza restaurant Papa John’s just ran on professional investor site SumZero.com. Has this info been priced in already? - [Companies Under Fire for Not Paying Dividends](https://www.marketreview.com/news/companies-under-fire-for-not-paying-dividends/) - Common stocks paying dividends was an idea that never really made sense, although some are now waking up to this reality more. Proponents of dividends just don’t get it though. - [Do Recessions and Bear Markets Always Go Together?](https://www.marketreview.com/news/do-recessions-and-bear-markets-always-go-together/) - Fresh off his remarks about how we need to raise the wealth tax much higher than proposed, Bernstein’s Philipp Carlsson-Szlezak leads us in a discussion about bears. - [Amazon Misses on Earnings Per Share, Price Drops 8%](https://www.marketreview.com/news/amazon-misses-on-eps-price-drops-8/) - Most companies are coming in ahead of estimates for third quarter earnings, which is due in part to particularly understated predictions. Amazon’s wasn’t set low enough. - [Tesla Stock Continues to Rise After Positive Earnings](https://www.marketreview.com/news/tesla-stock-continues-to-rise-after-positive-earnings/) - When you have lost money 11 years out of 11, with a 12th being a virtual certainty, taking a quarter off from losing once in a while can really excite some people. - [A Wealth Tax Requires Calculating Wealth Properly](https://www.marketreview.com/news/wealth-tax-requires-calculating-wealth-properly/) - With all of the talk about what the ramifications of a wealth tax may involve, we’ve neglected to address the issue of how to measure it, especially with stock positions. - [European Stocks Starting to Look Attractive to Some](https://www.marketreview.com/news/eu-stocks-starting-to-look-attractive-to-some/) - Several U.S. fund managers are starting to eye European stocks in spite of how poorly this region has performed for a long time. Is it time for us to start considering them as well? - [Beyond Meat Aces Earnings Report, Stock Falls Hard](https://www.marketreview.com/news/beyond-meat-aces-earnings-report-stock-falls-hard/) - It might be a little hard to understand how Beyond Meat could beat earnings and sales estimates by a lot and still see its stock price tank by 10%. It makes sense though. - [Grubhub Stock Gets Jolted Following Candid Report](https://www.marketreview.com/news/grubhub-stock-gets-jolted-following-candid-report/) - Companies usually go out of their way to put as positive a spin as they can on their results to stroke their stocks. Grubhub just chose to tell the naked truth, and got slammed. - [Fed October Meeting Goes Exactly as Expected](https://www.marketreview.com/news/fed-oct-meeting-goes-exactly-as-expected/) - Just about everyone was expecting a third quarter point cut in the Fed funds rate during Wednesday’s announcement, but we also got some reassurance of this as well. - [China Rolls out 5G Friday, Apple Left Out in the Cold](https://www.marketreview.com/news/china-rolls-out-5g-friday-apple-left-out/) - Apple had a fabulous fourth quarter and easily beat the expectations on the street. The 5G iPhone is at least a year away, and in the meantime, China is rolling out 5G now. - [Stocks Continue to Surge After Stellar Jobs Report](https://www.marketreview.com/news/stocks-continue-to-surge-after-stellar-jobs-report/) - Another rate cut by the Fed, continued optimism for a trade deal, and a job market that continues to expand all have propelled stock indexes to make further all-time highs. - [Stock Market Unimpressed with Trump’s Mini Trade Deal](https://www.marketreview.com/news/stock-market-unimpressed-with-trumps-mini-trade-deal/) - After waiting patiently all trading day for news from the trade dispute front, holding its breath for something substantial, we at least got the minimum, but hopes were higher. - [Investment Officer Delivers Scathing Criticism of Buffett](https://www.marketreview.com/news/investment-officer-delivers-scathing-criticism-of-buffett/) - It obviously took a lot for CIO David Rolfe of Westwood Partners to finally dump his Berkshire Hathaway stock, but the reasons ultimately got too overwhelming to resist. - [WeWork Faces Some Hard Choices in Trying to Survive](https://www.marketreview.com/news/wework-faces-some-hard-choices-in-trying-to-survive/) - In the space of only a few months, commercial real estate company WeWork has gone from a promising looking IPO to on their deathbed. They have some tough decisions. - [RBC Strategist Doesn’t See Mini-Trade Deal Doing Much](https://www.marketreview.com/news/rbc-strategist-doesnt-see-mini-trade-deal-doing-much/) - Lori Calvasina of RBC Capital Markets doesn’t see any direct benefit from the U.S. and China finally agreeing to something. It’s really about the mood changing though. - [Ray Dalio Sees “Great Sag” Ahead for Market](https://www.marketreview.com/news/dalio-sees-great-sag-ahead-for-market/) - Ray Dalio, founder of the world’s biggest hedge fund, is particularly well known for his market insights and predicted the 2008 crash. He sees some rough times ahead now. - [Beyond Meat Continues to Plunge Back to Earth](https://www.marketreview.com/news/beyond-meat-continues-to-plunge-back-to-earth/) - Beyond Meat is by far the biggest IPO hit of the year, skyrocketing from an opening price of $72 all the way to $239.71 in less than 3 months. It’s falling back to earth now. - [How Biden’s Capital Gains Reform Will Affect Stocks](https://www.marketreview.com/news/how-bidens-capital-gains-reform-will-affect-stocks/) - In terms of the leading Democratic presidential candidates, Joe Biden clearly appears to be the least damaging to the stock market, but this does not mean there won’t be any. - [ConocoPhillips Stock Does Look Cheap Right Now](https://www.marketreview.com/news/conocophillips-stock-does-look-cheap-right-now/) - Energy stock ConocoPhillips is being touted as a buy right now by JPMorgan because it has sold off so much this year. Whether the selling has stopped is what we need to decide. - [Stock Analysts Now Pulling Support for Boeing](https://www.marketreview.com/news/stock-analysts-now-pulling-support-for-boeing/) - In spite of all the problems that Boeing has had lately with its 737 MAX aircraft, Wall St. Analysts have stood by them. The leaked emails now having them turning on Boeing. - [Wall St. Economist Weighs in on Proposed Wealth Taxes](https://www.marketreview.com/news/wall-st-economist-weighs-in-on-proposed-wealth-taxes/) - In spite of all the economic concerns out there about the proposed wealth taxes from Bernie Sanders and Elizabeth Warren, one Wall St. Economist thinks they are too small. - [Analysts Raise Ratings on Beat Up Spotify Stock](https://www.marketreview.com/news/analysts-raise-ratings-on-beat-up-spotify-stock/) - We don’t generally find stock analysts changing their ratings on stocks to be all that interesting, but analysts becoming more bullish on Spotify right now does stand out. - [Stock Markets Buoyed Friday by Solid Jobs Report](https://www.marketreview.com/news/stock-markets-buoyed-friday-by-solid-jobs-report/) - Stocks rallied Thursday due to increased hopes that the Federal Reserve may lower rates later this month. Friday brought us a solid jobs report, which pushed them up further. - [Bernie Sanders Believes Billionaires Should Not Exist](https://www.marketreview.com/news/sanders-believes-billionaires-should-not-exist/) - It is no secret that Bernie Sanders isn’t too keen on people having massive amounts of wealth, and he wants to appoint himself as the one who decides how much is too much. - [Commission-Free Trading to Encourage Foolishness](https://www.marketreview.com/news/commission-free-trading-to-encourage-foolishness/) - Critics of trading used to rely on the argument that commissions make trying to trade too difficult or even futile. Now that this is gone, detractors are down to hurling insults. - [Are the Fed’s Tools Enough to Prevent Another Recession?](https://www.marketreview.com/news/are-feds-tools-enough-to-prevent-another-recession/) - Some believe that fending off a pending recession will require all the tools we can muster, including a lot of “infrastructure spending.” Is this really warranted? - [Citibank Strategists Predict Bull Market Will Continue](https://www.marketreview.com/news/citibank-strategists-predict-bull-market-will-continue/) - There is a fair bit of uncertainty surrounding the potential end of the current bull market with stocks. Citibank is stepping up to reassure investors that the outlook remains good. - [Fox Corp. Starting to Look Appealing to Analysts](https://www.marketreview.com/news/fox-corp-starting-to-look-appealing-to-analysts/) - The market simply has not liked the much leaner Fox Corp. stock that first hit the market on March 13. After giving back a quarter of its initial trading price, it may be worth a look. - [Is Bed Bath and Beyond on the Road to Recovery?](https://www.marketreview.com/news/is-bedbath-and-beyond-on-the-road-to-recovery/) - Even with a new CEO in place with an impressive track record in retail, and investors providing a 22% gain in one day in a vote of confidence, this is far from a solid stock yet. - [Ultra-Wealthy Allegedly Pay Below Average Tax Rate](https://www.marketreview.com/news/ultra-wealthy-allegedly-pay-below-average-tax-rate/) - Two economists who advise presidential candidates Elizabeth Warren and Bernie Sanders say that the 400 wealthiest families pay a lower tax rate than the middle class. - [Target Should Be Fine After Losing Star Merchandiser](https://www.marketreview.com/news/target-should-be-fine-after-losing-star-merchandiser/) - After several years of struggle, Target stock is up 69% year-to-date and still rising. Losing their head of merchandising may concern some, but without good reason. - [When Idealism Collides with Reality, Reality Wins](https://www.marketreview.com/news/when-idealism-collides-with-reality-reality-wins/) - There are a lot of people who think that we need to drastically cut down or even eliminate our use of fossil fuels for energy. Our dreams need to be realistic. - [Relationship Between Bond Yields & Stock Investing – A MarketReview.com Report](https://www.marketreview.com/news/relation-between-bond-yields-stock-investing/) - If an investor is going to invest in bonds, either for income purposes or as a hedge, he really should have a good understanding of them so that these investments can be made properly. - [Bitcoin Shows Us Why We Need to Be Careful with It](https://www.marketreview.com/news/btc-shows-us-why-we-need-to-be-careful-with-it/) - Tuesday was not an exciting day for those holding Bitcoin, as it dropped 14% in value in about an hour and a half. Neglecting the trends with Bitcoin can be very expensive. - [“Socially Responsible” Investing Dialogue Heats Up](https://www.marketreview.com/news/socially-responsible-investing-dialogue-heats-up/) - It’s Climate Week, so it’s no surprise that some of the talk has turned to what some people call socially responsible investing. What is socially responsible investing anyway? - [Are University Endowments Too Risk Averse Now?](https://www.marketreview.com/news/are-university-endowments-too-risk-averse-now/) - The diversification strategies that what is called modern portfolio theory aren’t so modern anymore, and after almost 70 years, are in need of modernization again. - [The True Costs and Benefits of Carbon Taxes](https://www.marketreview.com/news/true-costs-and-benefits-of-carbon-taxes/) - Carbon taxes and other measures designed to try to reduce our carbon emissions are seen by a great many people as essential these days. They need to think this through more. - [Is American Airlines Stock Ready to Take Off Now?](https://www.marketreview.com/news/is-american-airlines-stock-ready-to-take-off-now/) - The more a stock gets beat up, the more the bargain hunters salivate. These mouths have plenty of reason to water with American Airlines, but should this meal be served? - [Is Short Interest Predicting the End of the Bull Market?](https://www.marketreview.com/news/is-short-interest-predicting-the-end-of-bull-market/) - Short interest is the number of shares outstanding on the short side. There is a claim that this may be foretelling the end of our long bull market. Does this even make sense? - [Charles Schwab Ditches Commissions, Industry Reels](https://www.marketreview.com/news/charles-schwab-ditches-commissions-industry-reels/) - Trading commissions have been going down ever since discount brokerages first appeared on the scene. Charles Schwab has now gone all in with zero commissions. - [Fourth Quarters Usually are Friendly to Stock Markets](https://www.marketreview.com/news/fourth-quarters-usually-are-friendly-to-stock-markets/) - Stocks go up by 4.3% on average during the fourth quarter. If you like to bet on the average of what happens over many years, you can find yourself in trouble on off years. - [Bonds Nosedive and Suffer Worst Week Since 2016](https://www.marketreview.com/news/bonds-nosedive-and-suffer-worst-week-since-2016/) - It’s not that we didn’t see this coming, but the buying frenzy that sent prices of U.S. treasuries to historic levels had to come to an end sooner or later. Sooner is here. - [Europeans Growing Weary of Low Interest Rates](https://www.marketreview.com/news/europeans-growing-weary-of-low-interest-rates/) - In a world where economies are so connected, we can no longer to afford to not pay attention to what is happening anywhere, and especially in an area as large as the EU. - [Underperforming Stocks Beat Overperformers Last Week](https://www.marketreview.com/news/underperforming-stocks-beat-overperformers-last-week/) - The fact that “value” stocks on the whole outperformed “growth” stocks last week shouldn’t really raise any eyebrows, but this sure did. Was this really that interesting? - [Investors Now Customizing their Target Date Funds](https://www.marketreview.com/news/investors-now-customizing-their-target-date-funds/) - Target date funds are a fairly new concept where people purchase a fund which is targeted toward when they plan on retiring. Does it make sense to customize this? - [Oil Futures Settle in After Monday’s Over-Reaction](https://www.marketreview.com/news/oil-futures-settle-in-after-mondays-over-reaction/) - Crude oil futures are already known to be pretty volatile, but events over the weekend really set things spinning. Monday brought a huge spike, but we calmed down more Tuesday. - [The Fed Did Indeed Loosen Monetary Policy Wednesday](https://www.marketreview.com/news/the-fed-did-indeed-loosen-monetary-policy-wednesday/) - There’s actually an article out there in Barron’s that claims that the Fed did not loosen monetary policy with this latest rate cut. This view actually merits a little more discussion. - [Oracle’s Larry Ellison Calls Uber “Almost Worthless”](https://www.marketreview.com/news/larry-ellison-calls-uber-almost-worthless/) - Some of us have been wondering all along where the value in Uber stock is coming from. Oracle founder Larry Ellison has called it “almost worthless,” and he may be right. - [Leon Cooperman Shudders at Prospects of Warren as President](https://www.marketreview.com/news/cooperman-shudders-at-prospects-of-warren-as-president/) - Billionaire investor Leon Cooperman recently quipped on Thursday in an interview on CNBC that "they won’t open the stock market if Elizabeth Warren is the next president.” - [Why the Auto Industry is Struggling in One Sentence](https://www.marketreview.com/news/why-the-auto-industry-is-struggling-in-one-sentence/) - Ford gets 150% of its profits from the sale of trucks, including SUVs. This in itself tells us a great deal about their business. Sales matter a lot, profit, obviously not so much. - [Sven Henrich Spots Comparisons with 2019 and 2007](https://www.marketreview.com/news/henrich-spots-comparisons-with-2019-and-2007/) - Most of us remember what happened in 2007. Sven Henrich of NorthmanTrader thinks the same thing may happen again. Is there any sort of real evidence for this? - [U.S. Treasury Reconsidering Ultra Long-Term Bonds](https://www.marketreview.com/news/us-treasury-reconsidering-ultra-long-term-bonds/) - Government issued bonds have traditionally had a maximum term of 30 years, but longer ones are coming into fashion. We might see some longer U.S. ones soon. - [Snap Snapping Back Despite Analysts’ Beliefs](https://www.marketreview.com/news/snap-snapping-back-despite-analysts-beliefs/) - Social media app Snap debuted in early 2017 and until this year was a bust by any definition. 2019 has seen the stock snap back pretty nicely and it may not be done. - [Stock Markets Rise as Trade Talks Scheduled for October](https://www.marketreview.com/news/stock-markets-rise-as-trade-talks-scheduled-for-october/) - President Trump’s tweet about trade talks set to resume between the U.S. and China might have been wishful thinking, but this particular wish has now been granted. - [Prudential Dividend Play Now Looks Solid Enough](https://www.marketreview.com/news/prudential-dividend-play-now-looks-solid-enough/) - Dividends are a nice bonus with a stock, but with common stocks, the bigger part of the story is always going to be price movement. We need to be careful to enter at the right time. - [Are Treasuries Riskier than Stocks These Days?](https://www.marketreview.com/news/are-treasuries-riskier-than-stocks-these-days/) - It is very much taken for granted that bonds, and especially treasuries, are quite a bit less risky than stocks. This isn’t quite accurate, and it’s a lot less accurate these days. - [Low Interest Rates Impacting Company Pension Funds](https://www.marketreview.com/news/low-interest-rates-impacting-company-pension-funds/) - When 2018 comes in as a good year for corporate pension funds, and 2019 isn’t a good year at all, we may wonder if the people who run these funds know what they are doing. - [Advisor Sees Us on a Course for Economic Crisis](https://www.marketreview.com/news/advisor-sees-us-on-a-course-for-economic-crisis/) - Hedge fund advisor Avi Tiomkin sees us heading for some real gloom and doom due to the economy contracting and deflationary trends unless we do something really drastic. - [Ways to Keep Student Loan Debt More Under Control](https://www.marketreview.com/news/ways-to-keep-student-loan-debt-more-under-control/) - The cost of a college education has been climbing three times faster than the rate of inflation and the amount of student loan debt in the U.S. is rising as well, now at $1.5 trillion. - [Ford Bonds Downgraded to Junk, Is the Stock Junk Too?](https://www.marketreview.com/news/ford-bonds-downgraded-to-junk-is-the-stock-junk-too/) - A company’s business prospects don’t matter as much as many may think, but they do matter, and matter more in some cases. Ford is going in the wrong direction here. - [Are Bank of America $29 Calls Such a Bargain Now?](https://www.marketreview.com/news/are-bank-of-america-29-calls-such-a-bargain-now/) - You don’t see all that many articles on options plays in the popular financial media, but Barron’s columnist Steven Sears is known to provide a few, and has another for us now. - [Exploring the Facts About Company Stock Buybacks](https://www.marketreview.com/news/exploring-the-facts-about-company-stock-buybacks/) - A fair number of people are critical of the practice of companies buying back their stock, with some even suggesting that this practice be limited or banned. We need to understand this first. - [Nestle Stock Looking Simply Delicious This Year](https://www.marketreview.com/news/nestle-stock-looking-simply-delicious-this-year/) - Nestle stock being up 36% this year so far is only part of the story. It’s the way that this stock has risen that is really impressive. Both the present and future look bright. - [Just How Bad Could the U.S./China Tariff War Get?](https://www.marketreview.com/news/how-bad-could-us-china-tariff-war-get/) - As more and more shots get fired in the trade war between the U.S. and China, many are now wondering just how bad this might become if things just keep getting worse. - [Baird Analyst Bullish on Two Stocks in Auto Sector](https://www.marketreview.com/news/baird-analyst-bullish-on-two-stocks-in-auto-sector/) - The auto sector has looked more like a junkyard than a showroom over the past few years. Baird analyst David Leiker believes he has found a couple of diamonds in the rough. - [The Real Reason Politicians and the Fed Disagree](https://www.marketreview.com/news/real-reason-politicians-and-the-fed-disagree/) - Presidents have been at odds with the policies of the Federal Reserve before, but Donald Trump has taken this to a whole new level, as he often does with things. - [Avoiding 401(k) Mistakes When Leaving Employers](https://www.marketreview.com/news/avoiding-401k-mistakes-when-leaving-employers/) - Retirement accounts such as 401(k)s can be valuable tools to put you in a better financial position in retirement. It is important not to commit mistakes with them though. - [Is Buying Call Options on the VIX a Sensible Play Now?](https://www.marketreview.com/news/is-buying-call-options-on-vix-a-sensible-play-now/) - There are various strategies that we can use to manage a stock market plunge. One of these are playing the VIX, and using options is one way to do this. Does this make sense now? - [Seeking Value with Two Beat Up Hedge Fund Reinsurers](https://www.marketreview.com/news/seeking-value-with-two-beat-up-hedge-fund-reinsurers/) - The reinsurance business has taken a turn for the better lately, but some continue to struggle, especially two that are run by hedge funds. Can we find some value here? - [Looking Ahead to the Final Trimester of 2019](https://www.marketreview.com/news/looking-ahead-to-the-final-trimester-of-2019/) - There are a variety of predictions out there for the final trimester of 2019, with varying outlooks for the stock and bond markets, which indicates that there is lots of guessing. - [Market Strategist Sees Stocks Oversold at Current Levels](https://www.marketreview.com/news/market-strategist-sees-stocks-oversold-at-current-levels/) - Bank of America Merrill Lynch’s investor position indicator has turned bearish for the first time since January. That apparently means that stocks are bearish and we should buy. - [Stock Markets Plunge 3% Wednesday on Recession Worries](https://www.marketreview.com/news/stock-markets-plunge-wednesday-on-recession-worries/) - This week’s trading has been a real ping-pong match so far. On Wednesday, the bears served up another big losing day, with yield inversion fears back in full force. - [New Senate Bill Seeks to Tax Foreign Investment](https://www.marketreview.com/news/new-senate-bill-seeks-to-tax-foreign-investment/) - We might think that a bill looking to accomplish such things as improving the trade deficit would seem like a fine idea indeed. We need to look behind the rhetoric though. - [Markets Await Fed Chairman Powell’s Remarks Next Friday](https://www.marketreview.com/news/markets-await-chairman-powells-remarks-next-friday/) - The annual global central bank conference is scheduled for next week, and on Friday, Federal Reserve chairman Jerome Powell will provide an update on where the Fed is leaning. - [Analysts Sees Gold Heading to $2000/ounce](https://www.marketreview.com/news/analysts-sees-gold-heading-to-2000-ounce/) - Back in 2011, the price of gold peaked over $1900 an ounce, an all-time record. This was at the end of a big run up in gold prices. Is gold headed back to that area again? - [As Bad as Oil Stocks Have Been, Are They Worth a Look?](https://www.marketreview.com/news/as-bad-as-oil-stocks-have-been-are-they-worth-a-look/) - Good stock selection always involves seeking better than average opportunities. Oil stocks have been way below average for a long time, but is there a reason to be optimistic? - [The Dangers of Equating Bank Stocks with Utilities](https://www.marketreview.com/news/dangers-of-equating-bank-stocks-with-utilities/) - Bank stocks and utility stocks do have some things in common, such as high earnings and good dividends. The two are very distinct in some very important ways though. - [Goldman Sachs Defends GE Against Accounting Accusations](https://www.marketreview.com/news/goldman-sachs-defends-ge-against-accounting-accusations/) - GE has taken quite a bit of heat for their alleged accounting irregularities surrounding their managed care insurance divisions. GE denies any wrongdoing, and Goldman Sachs agrees. - [Mortgage Refinancing Picking Up Since Fed Rate Cut](https://www.marketreview.com/news/mortgage-refinancing-picking-up-since-fed-rate-cut/) - The Fed cutting the overnight by a quarter point does entice people to do more mortgage financing. This does stimulate the economy somewhat, but also stabilizes it. - [Momentum Investing Does Even Better with Inversions](https://www.marketreview.com/news/momentum-investing-does-even-better-with-inversions/) - The lower bond yields of today have some investors and market observers nervous. It turns out that momentum investing works even better with small yield gaps and inversions. - [Trump Issues Orders as China Escalates Tariffs](https://www.marketreview.com/news/trump-issues-orders-as-china-escalates-tariffs/) - Donald Trump was already in a class by himself among U.S. Presidents in the category of being bombastic, but his now ordering U.S. companies to pull out of China sets a new standard. - [Corn Futures Decline Wednesday for Third Straight Day](https://www.marketreview.com/news/corn-futures-decline-wednesday-for-third-straight-day/) - The corn market got hit with a surprise on Monday as the USGA’s latest projections on the current crop season hit the street. Things aren’t as bad as the market thought. - [Are High Dividend Stock Funds a Good Alternative?](https://www.marketreview.com/news/are-high-dividend-stock-funds-good-alternative/) - Many investors who are disappointed by the low yields on bonds are now eyeing dividends from stocks, including high yield dividend funds. Does this make sense? - [Despite the Grumbling, Economy Looking Great](https://www.marketreview.com/news/despite-the-grumbling-economy-looking-great/) - 2019 has been a year where both the stock and bond market have performed extremely well, but also one that worries about the economy have also gone on and on. - [Is the Bond Market Really Headed for Trouble?](https://www.marketreview.com/news/is-the-bond-market-really-headed-for-trouble/) - The talk of the bond market being in trouble, or at the very least undesirable, has been going on for a while. Bonds have gotten even more bullish lately, which is scaring them more. - [Uber Stock Holding Up Pretty Well, So Far Anyway](https://www.marketreview.com/news/uber-stock-holding-up-pretty-well-so-far/) - Some IPOs are better than others. Uber’s IPO is definitely in the less exciting category, but things could have gone a lot worse so far. Uber is holding up pretty well but for how long? - [Navigating Today’s Volatile Markets with Retirement Money](https://www.marketreview.com/news/navigating-todays-volatile-markets-with-retirement-money/) - While investors are advised to seek professional guidance when it comes to managing their retirement savings, we shouldn’t necessarily just rely on the advice of others. - [Should Trade Escalations Have Us Worrying about a Recession?](https://www.marketreview.com/news/should-trade-escalations-have-us-worrying-about-a-recession/) - People have been worrying about a recession for some time now, and they are really starting to worry now that the trade war is heating up. Is this a reason for concern? - [Is Bitcoin Becoming a Good Macro Hedge?](https://www.marketreview.com/news/is-btc-becoming-a-good-macro-hedge/) - We might think Bitcoin would be the last thing anyone would use to hedge anything, given its massive volatility. As it continues to evolve, this might not be a crazy idea after all. - [China Strikes Back, U.S. Stock Markets Plunge](https://www.marketreview.com/news/china-strikes-back-us-stock-markets-plunge/) - U.S. President Donald Trump may have thought that he hit a good serve with his “small” new tariffs, but China returned his serve right into his face over the weekend. - [Investors Remain Bullish on Apple Even with Concerns](https://www.marketreview.com/news/investors-remain-bullish-on-apple-even-with-concerns/) - With their flagship iPhone sales in decline, earnings down year over year, and all the concerns about tariffs, Apple stock is still up 30% for the year and 17% since June 1. - [Investor Behavior Will Continue to Shape Market Growth](https://www.marketreview.com/news/investor-behavior-will-continue-to-shape-market-growth/) - We tend to focus a lot on economic data and projections to predict where markets will be heading in the future. Investor behavior plays a big role in these outcomes as well. - [Economist Sees Threat of Economic Collapse Overblown](https://www.marketreview.com/news/economist-sees-threat-of-economic-collapse-overblown/) - Economist Paul Shea of Miller Tabak has spoken out about Senator Elizabeth Warren’s recent prognostications of doom for the economy, believing that her view is overstated. - [Do Markets Really Engage in “Useless Speculation”?](https://www.marketreview.com/news/do-markets-really-engage-in-useless-speculation/) - There is a view out there that stock markets, as well as other financial markets, should somehow be shielded from speculation. Speculation is all that these markets do though. - [Should We Take a Chance on Now Bankrupt PG&E?](https://www.marketreview.com/news/should-we-take-a-chance-on-bankrupt-pge/) - California’s Pacific Gas and Electric, or PG&E, is the nation’s largest utility. It went bankrupt in January over massive potential lawsuits. Is it worth a gamble now? - [Should Carried Interest Be Given Preferential Tax Treatment?](https://www.marketreview.com/news/should-carried-interest-be-given-preferential-tax-treatment/) - Carried interest are a share of the profits retained by hedge and private equity funds. We treat these profits as capital gains although many think they should be taxed normally. - [Strategists Recommend Getting Out of Gold Now](https://www.marketreview.com/news/strategists-recommend-getting-out-of-gold-now/) - Gold has been on a nice run over the last three months, up 13% and reaching a 6-year high not long ago. The fun might be over, but it’s actually too early to want to bail just yet. - [Fed Follows the Script Exactly, Markets Disappointed](https://www.marketreview.com/news/fed-follows-script-exactly-markets-disappointed/) - The Fed announced its decision and outlook on interest rates Wednesday afternoon, and we got exactly what was alluded to. Some wished for more and were left disappointed. - [Major Blow on Trade Front Sends Markets Reeling](https://www.marketreview.com/news/major-blow-on-trade-front-sends-markets-reeling/) - After the market enthusiastically rose after hearing what normally would bad news, Donald Trump had more bad news for them, and this time the news was unequivocally bad. - [How Attractive are Bond Funds Right Now?](https://www.marketreview.com/news/how-attractive-are-bond-funds-right-now/) - Bond funds have experienced a huge leap in popularity recently. While bond funds can be a useful tool, it is important that we understand their proper uses to get the most of them. - [What is Really Wrong with U.S. Retail Stocks](https://www.marketreview.com/news/what-is-really-wrong-with-us-retail-stocks/) - Retailers are quick to blame outside factors like Walmart, Amazon, and now tariffs. The reality though is that they just overextended themselves and are now faced with fixing this. - [Treasury Department Expresses Concerns About Libra](https://www.marketreview.com/news/treasury-department-expresses-concerns-about-libra/) - Facebook is hoping to get into the cryptocurrency business with the proposed launch of its Libra currency. The positions on both sides of this battle seem to be pretty confused. - [JP Morgan Chase Earnings Impress, Market Unimpressed](https://www.marketreview.com/news/jpmorgan-earnings-impress-market-unimpressed/) - JP Morgan Chase just announced their quarterly earnings, and they beat estimates by a handy amount. This usually means a stock’s price goes up, not down, but not always. - [Netflix Drops Big from Less Exciting Quarterly Report](https://www.marketreview.com/news/netflix-drops-big-from-less-exciting-quarterly-report/) - Netflix’s quarterly earnings report looked pretty decent all in all, with earnings beating expectations and the number of subscribers up, but they got severely punished anyway. - [JPMorgan Sees More Short-Term Upside for Disney](https://www.marketreview.com/news/jpmorgan-sees-more-short-term-upside-for-disney/) - Disney had been a pretty boring stock over the last 4 years, until a surge from its last earnings report finally saw it break through. JPMorgan thinks it can go even higher. - [Analysts Gush Praise as Microsoft Has Strong Quarter](https://www.marketreview.com/news/analysts-gush-praise-as-microsoft-has-strong-quarter/) - Microsoft’s rise in the 1990s was spectacular, where their stock grew almost 100 times. It then had to spend 14 years stuck in a rut, but since 2014, it’s been on a roll again. - [Bed Bath and Beyond Stock Continues to Drop](https://www.marketreview.com/news/bed-bath-and-beyond-stock-continues-to-drop/) - The story behind Bed Bath and Beyond’s stock over the last few years has been a truly ugly one, and shows what can happen if we simply hold on to our positions and just hope. - [Stocks Look the Most Appealing Even This Far Along](https://www.marketreview.com/news/stocks-look-the-most-appealing-even-this-far-along/) - The longer a bull market runs, the more nervous a lot of people get about it ending. At least at the moment, there is nothing even close to the appeal of holding common stock. - [Could A Rate Cut in July Help Bring Down the House?](https://www.marketreview.com/news/could-rate-cut-in-july-help-bring-down-the-house/) - We normally see interest rate cuts by the Fed as expansionary, and this only makes sense because this increases money supply. Could this end up decreasing it though? - [Elizabeth Warren Unveils Bill to Bash Private Equity “Vampires”](https://www.marketreview.com/news/warren-unveils-bill-to-bash-private-equity-vampires/) - Private equity firms are called raiders by some of people, and when you put raider together with Wall Street, and you hate both, this can produce a lot of fire and brimstone. - [Have Chip Stocks Come Too Far Too Fast?](https://www.marketreview.com/news/have-chip-stocks-come-too-far-too-fast/) - Chip stocks are up 40% this year on average, which means that this sector has grown twice as much as the S&P 500 index. Does this mean that we should be afraid? - [Amazon’s Private Labels Should Not Scare Anyone](https://www.marketreview.com/news/amazons-private-labels-should-not-scare-anyone/) - Retailers rely significantly on private brands. A tiny bit of Amazon’s business is from this, but not everyone thinks that we are entitled to benefit from the value this offers. - [Morningstar Analyst Likes Expedia Stock’s Chances](https://www.marketreview.com/news/morningstar-analyst-likes-expedia-stocks-chances/) - While Expedia hasn’t offered its stockholders much to get excited about over the last couple of years, Dan Wasiolek sees some real potential with this travel stock. - [Negative Yield Corporate Bonds Really Growing Now](https://www.marketreview.com/news/negative-yield-corporate-bonds-really-growing-now/) - Many people are aware of how much more debt is held with negative yield government bonds these days, but corporate bonds can also trade at negative yield levels. - [Trump Expected to Continue Fight Against Big Pharma](https://www.marketreview.com/news/trump-expected-to-continue-fight-against-big-pharma/) - While Trump’s threat of getting rid of rebates that drug companies pay third party agents has many breathing a sigh of relief, this battle against drug prices may be far from over. - [Reversion to the Mean Isn’t What It Used to Be](https://www.marketreview.com/news/reversion-to-the-mean-isnt-what-it-used-to-be/) - A lot of people look upon what has happened in the past to guide them in the future. Things have really changed in the markets though and some old ideas don’t work so well now. - [Are Tech Stocks More Dangerous to Hold Right Now?](https://www.marketreview.com/news/are-tech-stocks-more-dangerous-to-hold-right-now/) - A major analyst in the tech sector is now warning us to be wary of tech stocks during the next quarter at least. It’s always wise to be more cautious with this type of stock though. - [Morgan Stanley Tells Clients to Sell Stocks Now](https://www.marketreview.com/news/morgan-stanley-tells-clients-to-sell-stocks-now/) - Morgan Stanley has decided that the time has come where they feel the need to cut back on their exposure to the stock market, and they are telling clients to do the same. - [Does Lower Earnings Growth Mean Lower Stock Prices?](https://www.marketreview.com/news/does-lower-earnings-growth-mean-lower-stock-prices/) - With the consensus view being that earnings growth will be declining, this may cause us to be concerned that the value of our stocks may be going down. Will this happen? - [Why Small Cap Stocks Are Lagging So Much These Days](https://www.marketreview.com/news/why-small-cap-stocks-are-lagging-so-much-these-days/) - Over the last year, the S&P 500 has gained 9.4%, while the S&P Small Cap 600 has lost 8.4%. We might be in a bull market, but these small stocks aren’t getting much love. - [History on the Side of the Bulls for the Rest of 2019](https://www.marketreview.com/news/history-on-the-side-of-bulls-for-rest-of-2019/) - Stock markets that do well in the first half of a year are significantly more likely to do well in the second half. This should not surprise us, because these things do move in trends. - [Seeking Better Trading Efficiency in Today’s Markets](https://www.marketreview.com/news/seeking-better-trading-efficiency-in-todays-markets/) - Even during bull markets like the one we are in now, where we are at all-time highs, doing well requires that we manage our positions effectively and seek efficiency. - [Tesla Reports Good News, Stock Continues to Recover](https://www.marketreview.com/news/tesla-reports-good-news-stock-continues-to-recover/) - Tesla just reported that its unit deliveries for Q2 have met their expectations, and they met anyone’s expectations lately. The market applauded and its stock rose 4.6% Wednesday. - [Markets Rally a Bit Tuesday as Trade War Outlook Improves](https://www.marketreview.com/news/markets-rally-a-bit-tuesday-as-trade-war-outlook-improves/) - Tuesday’s market moves weren’t exactly dramatic, and stock markets spent the first part of the day in the negative. China being more accommodating did brighten the mood at least. - [Investing in Bonds Without Worrying about Yields](https://www.marketreview.com/news/investing-in-bonds-without-worrying-about-yields/) - A lot of investors are complaining quite loudly about the poor yields that today’s bonds offer in this low inflation environment. If we trade them instead, we don’t really care. - [AbbVie Looks to Conceal Company Wrinkles with Botox](https://www.marketreview.com/news/abbvie-looks-to-conceal-company-wrinkles-with-botox/) - Botox is a popular treatment that uses a toxin to temporarily reduce wrinkles. AbbVie has decided to spend $63 billion on Botox to try to conceal their own wrinkles. - [Should We Put Our Retirement Savings in an Annuity?](https://www.marketreview.com/news/should-we-put-our-retirement-savings-in-an-annuity/) - Less than 10% of employee-sponsored retirement plans offer an annuity option, although this may change with new federal legislation about to be passed. - [Looking Ahead to the Second Half of 2019](https://www.marketreview.com/news/looking-ahead-to-the-second-half-of-2019/) - The first half of 2019 has brought anything but calm and clear waters, but both stocks and bonds have navigated all the big waves that have come pretty nicely so far. - [Using Wall Street Analysts’ Recommendations Properly](https://www.marketreview.com/news/using-wall-street-analysts-recommendations-properly/) - Quite a few people pay attention to recommendations set by Wall Street analysts. These recommendations can be quite useful, but only when used properly. - [Bitcoin Explodes to the Upside Once Again, Hang on Tight](https://www.marketreview.com/news/btc-explodes-to-the-upside-once-again/) - People have been predicting the death of Bitcoin for a long time now, prior to its meteoric rise, and especially during the ensuing collapse. The monster is far from dead now. - [Stock Markets Pull Back Monday After Fed Repeats Itself](https://www.marketreview.com/news/stock-markets-pull-back-monday-after-fed-repeats-itself/) - While Fed Chairman Jerome Powell did appear to make his intentions pretty clear last week, the street somehow interpreted this to mean a rate cut will be coming very soon. - [Economists Worried About Slowing Housing Market](https://www.marketreview.com/news/economists-worried-about-slowing-housing-market/) - Some economists are warning that the slowing housing market might bring on a recession or at least slow down growth too much. We need to look at the whole picture. - [Stocks, Bonds, and Gold All Bullish at the Same Time](https://www.marketreview.com/news/stocks-bonds-gold-all-bullish-at-the-same-time/) - While investors often use bonds and gold to hedge against stock market plunges, all three assets going up at the same time is leaving some of them quite confused. - [Gold Breaks Out to Highest Level in 6 Years](https://www.marketreview.com/news/gold-breaks-out-to-highest-level-in-6-years/) - The stock market and gold often move in different directions, but both are well up for the year. Both markets have done very well in June as well. Gold is on a real run now. - [New Slack Shares Hit the Market Pretty Quietly](https://www.marketreview.com/news/new-slack-shares-hit-the-market-pretty-quietly/) - Initial public offerings, or IPOs, usually generate a fair bit of excitement one way or the other, and are known to be quite volatile. The excitement isn’t always there though. - [Fed Says No to a Rate Cut, Stock Market Accepts Decision](https://www.marketreview.com/news/fed-says-no-to-rate-cut/) - You never really know how the stock market will react to a given news item. The Federal Reserve once again declined to lower rates, but this time it was well accepted. - [Beyond Meat Shows Signs That the Party May Be Over](https://www.marketreview.com/news/beyond-meat-shows-signs-that-party-maybe-over/) - Beyond Meat announced a new product after the close on Monday, which got traders excited enough to push its stock price up by 18% overnight. This gain is all gone now. - [How Investors Can Manage the Coming Bear Market](https://www.marketreview.com/news/how-investors-can-manage-the-coming-bear-market/) - All bull markets have eventually come to an end in time, and while this one could last longer, its day will come sooner or later. Do we have a plan in place to deal with this risk? - [“Merciless Rain” Drives Corn Futures Prices Skyward](https://www.marketreview.com/news/merciless-rain-drives-corn-futures-prices-skyward/) - While consumers may be none too happy about all the rain that fell in the Corn Belts lately, for those who have been long corn, it’s been raining money over the last few weeks. - [We Need to Prepare for a Disappointing Week for Stocks](https://www.marketreview.com/news/we-need-to-prepare-for-a-disappointing-week-for-stocks/) - After a disappointing month of May which saw markets decline by 6%, putting a real dent into the 2019 rally, things turned around in June. The Fed likely will crash the party this week. - [Learning to Deal with Unnecessary Money Anxiety](https://www.marketreview.com/news/learning-to-deal-with-unnecessary-money-anxiety/) - A lot of people have anxiety about money, including people who we wouldn’t think would have much to worry about. Anxiety about money is a symptom of a bigger problem though. - [Technical Analyst Sees GE Stock Moving Further Up](https://www.marketreview.com/news/technical-analyst-sees-ge-stock-moving-further-up/) - Technical analysts examine price trends to look to predict future movements in price with stocks. While certain indicators can suggest a move, we need to look at the whole picture. - [Beyond Meat Strikes Back After Analyst Downgrade](https://www.marketreview.com/news/beyond-meat-strikes-back-after-analyst-downgrade/) - When your stock is up 273% from its opening price in a little over a month, in a month where stocks did terribly overall, it takes more than an analyst downgrade to end the party. - [The Challenges of Investing Using Momentum](https://www.marketreview.com/news/challenges-of-investing-using-momentum/) - We may see how much certain stocks have moved up and wonder why the funds that we invest in to seek to capture some of this don’t do anywhere near as well. - [Morgan Stanley Chief Investment Officer Bearish for 2019](https://www.marketreview.com/news/morgan-stanley-chief-investment-officer-bearish-for-2019/) - In spite of all the ups and downs that the market has seen since its low on December 26, we’re still sitting up over 20% since then. The bears haven’t gone anywhere though. - [Should Investors Worry About Big Tech Breakups?](https://www.marketreview.com/news/should-investors-worry-about-big-tech-breakups/) - The market confronted the news about the potential for restrictions on big tech companies with a negative attitude. Cooler heads have started to prevail already. - [JP Morgan Chase Remains a Solid Pick Among Big Bank Stocks](https://www.marketreview.com/news/jpmorgan-chase-remains-a-solid-pick-among-bank-stocks/) - Big bank stocks haven’t been particularly well-loved as of late, as evidenced by their lower price to earnings ratios. JP Morgan Chase is at least the most loved of the bunch. - [Tesla Pauses from Its Downward Drift, At Least For Now](https://www.marketreview.com/news/tesla-pauses-from-its-downward-drift/) - When a stock loses half its value in just 6 months, during a time when the market has put together a significant rally, and you’re still losing a lot of money, any ray of hope helps. - [The Right Utility Stocks Can Be More Than Defensive Plays](https://www.marketreview.com/news/right-utility-stocks-can-be-more-than-defensive-plays/) - Utility stocks are usually thought of as defensive, functioning as a hedge by reducing your exposure to risk, since they go down less. Some provide lots of offense as well. - [J.C. Penney Bonds Really Spiraling Out of Control Now](https://www.marketreview.com/news/jcpenney-bonds-spiraling-out-of-control-now/) - Big box retailers have fallen into pretty hard times lately, but iconic American retailer J.C. Penny is simply becoming unraveled. Its bonds are really coming apart now. - [Chairman Powell Speaks, Markets Breathe Sigh of Relief](https://www.marketreview.com/news/chairman-powell-speaks-markets-breathe-sigh-of-relief/) - After a terrible May for U.S. stock markets, with investor confidence continuing to decline, any good news is welcomed, even the subtle hints made on Tuesday by Jerome Powell. - [NASDAQ Takes a Hit Due to Tech Antitrust Concerns](https://www.marketreview.com/news/nasdaq-takes-hit-due-to-tech-antitrust-concerns/) - Friday was difficult enough, with stock markets grappling with new tariffs, this time on Mexican imports. On Monday, some big tech companies got more added to their plate. - [Donald Trump Sends Markets Sinking Once Again](https://www.marketreview.com/news/trump-sends-markets-sinking-once-again/) - With stock markets still reeling from six straight weeks of declines due to concerns about trade, we now have to worry about Mexico as well with Trump’s latest assault. - [Kraft Heinz Stock Breaking Down, Buffett Holding On](https://www.marketreview.com/news/kraft-heinz-stock-breaking-down-buffett-holding-on/) - When your stock position loses over 70%, and you watch $20 billion disappear, you might want to question why you are still in the stock. It’s not always easy to get out though. - [How a Stock Like Apple Can Provide Some Very Nice Profits](https://www.marketreview.com/news/how-stock-like-apple-can-provide-nice-profits/) - We’re told to be afraid of high beta stocks like Apple, having both a greater upside and downside. What if we seek to use this greater downside to our advantage instead? - [Exchange Stocks Providing Hedge Against Market Worry](https://www.marketreview.com/news/exchange-stocks-providing-hedge-against-market-worry/) - When stock markets decline, they tend to carry most stocks in tow. Exchange stocks can behave a little differently, and can be an attractive option when the market is declining. - [Stock Market Indexes Now Breaking Through Support](https://www.marketreview.com/news/stock-market-indexes-now-breaking-through-support/) - U.S. stocks have held up pretty well throughout the upward move that we’ve seen since last Christmas. The month of May has not brought good tidings though and we may be headed lower. - [Bond Yields Continue to Fall, Should the Stock Market Worry?](https://www.marketreview.com/news/bond-yields-continue-to-fall-should-stock-market-worry/) - Stocks and bonds often move in opposite directions, especially when confidence in the stock market wanes. Given the correlation, does this mean that stocks are in trouble? - [Is MGM Stock Worth the Gamble Right Now?](https://www.marketreview.com/news/is-mgm-stock-worth-the-gamble-right-now/) - In spite of being beat down a little lately from disappointing earnings, some investors are starting to really like the potential of MGM’s stock now. Is it worth taking a chance on? - [Young People Not Saving Due to Climate Change Concerns](https://www.marketreview.com/news/young-people-not-saving-due-to-climate-change-concerns/) - Many younger people now believe that they don’t need to worry about retirement, since it won’t matter with the apocalypse coming. This gives us some real insight into how they think. - [Visa, Mastercard, and PayPal Continue to Look Very Bullish](https://www.marketreview.com/news/visa-mastercard-paypal-continue-to-look-bullish/) - We’re moving more and more toward the cashless society that has long been predicted for us, although something needs to replace the cash. Credit cards are doing just fine with this. - [Friday Provides a Sign of Relief for Stressed Markets](https://www.marketreview.com/news/friday-provides-sign-of-relief-for-stressed-markets/) - In spite of an upbeat day on Friday, U.S. stock indices closed the week lower again. The month of May has been turbulent, and concerns about trade only add to this. - [U.S./China Trade War May Only Be Beginning](https://www.marketreview.com/news/us-china-trade-war-may-only-be-beginning/) - While several shots have been fired on both sides using tariffs as the main weapon, the U.S. looking to blacklist Chinese telecom giant Huawei is a bigger threat than it appears. - [Goldman Sachs Calms Fears About Rising Corporate Debt](https://www.marketreview.com/news/goldman-sachs-calms-fears-about-rising-corporate-debt/) - Many people, including some at the Federal Reserve, are worried about the high amount of borrowing companies are making. Goldman Sachs aren’t so worried. - [Reality Starting to Set in More for Tesla and their Stock](https://www.marketreview.com/news/reality-starting-to-set-in-more-for-tesla-and-their-stock/) - Tesla stock has been in freefall since last December 10, with its losses over the last 5 months now at 44%. Given their outlook and how the stock is trading, this could all get worse. - [Is the Conventional Strategy for Retirement Planning Wrong?](https://www.marketreview.com/news/is-the-conventional-strategy-for-retirement-planning-wrong/) - Just about everyone believes that as we get nearer to retirement, and especially after retirement, we should be more conservative with our investing. Is this the right approach? - [BlackRock’s New Sustainable ETF Off to a Good Start](https://www.marketreview.com/news/blackrocks-new-sustainable-etf-off-to-good-start/) - More and more investors are looking to invest in funds that are governed by social and not just economic principles. BlackRock’s latest offering just beat the record for first day inflows with a socially-focused ETF. - [Analysts Bullish on Nordstrom Despite the Stock Tanking](https://www.marketreview.com/news/analysts-bullish-on-nordstrom-despite-stock-tanking/) - Nordstrom stock has been on a real tear over the last 7 months, but not the kind of tear that investors like to see. It has been beaten down so much that it looks like a real bargain to some. - [Bitcoin Survives Massive Market Shock in Stable Condition](https://www.marketreview.com/news/bitcoin-survives-massive-market-shock-in-stable-condition/) - Bitcoin has been on a tear over the last couple of weeks, where it rose almost 60% over this very brief period of time. What goes up that much can also come down a lot as well. - [Pinterest’s First Post IPO Earnings Report Cools Stock](https://www.marketreview.com/news/pinterests-first-post-ipo-earnings-report-cools-stock/) - Newly launched Pinterest stock has done pretty well in its first month on the market. Their first earnings report as a public stock has wiped out almost all of these gains. - [Banks’ Share of Mortgages Continues to Decline](https://www.marketreview.com/news/banks-share-of-mortgages-continues-to-decline/) - Not all that long ago, people used to go to their bank to get their mortgage. This was a very relationship driven business. The internet came along and changed everything. - [Lessons from Hedge Funds to Prepare for the Bears](https://www.marketreview.com/news/lessons-from-hedge-funds-to-prepare-for-the-bears/) - We’re still waiting for the bear market that many have been predicting for a while to hit us. All-time highs aren’t it, but when this does finally come, we need to ask what we will do. - [Bulls Stay on Sidelines Monday as Bears Step it Up](https://www.marketreview.com/news/bulls-stay-on-sidelines-monday-as-bears-step-it-up/) - After several instances of the bears knocking down stock markets for a couple of percent followed by the bulls spurring a recovery, on Monday, it was an all bear show. - [Jeremy Grantham Predicts a Far Less Exciting Next 20 Years](https://www.marketreview.com/news/grantham-predicts-far-less-exciting-next-20-years/) - Investor Jeremy Grantham is credited with predicting both the 2008 and 2000 market crashes, and he’s predicting some pretty lean times again, this time for 20 years. - [Are Index Funds Really “Eating the World”?](https://www.marketreview.com/news/are-index-funds-really-eating-the-world/) - Morningstar just hosted a conference entitled “Are Index Funds Eating the World”? Some people are worried that index funds may be making everything more expensive. - [Looking Back on the Flash Crash, Nine Years Later](https://www.marketreview.com/news/looking-back-on-the-flash-crash-nine-years-later/) - It’s the ninth anniversary of the infamous Flash Crash of May 6, 2010, and while this has been mostly forgotten these days, there are still lessons that we may learn from it. - [Bitcoin in the Midst of a Very Impressive Rally](https://www.marketreview.com/news/bitcoin-in-the-midst-of-a-very-impressive-rally/) - After a horrible 2018, where Bitcoin prices plunged during a massive selloff, 2019 is shaping up to be much better, and the big money is starting to pay attention now. - [Should We Really Be Afraid of Modest Economic Growth?](https://www.marketreview.com/news/should-we-really-be-afraid-of-modest-economic-growth/) - Many people are concerned with how economic growth has evolved of late, with both GDP growth and inflation averaging around 2%, which some mistakenly think is too low. - [How Increasing Tariffs May Affect the Stock Market](https://www.marketreview.com/news/how-increasing-tariffs-may-affect-stock-market/) - President Trump escalating the trade war with China has weighed pretty heavily upon U.S. stock markets during the first two days of this week. How big of a deal is this? - [Trump Raises the Trade Deal Ante, Markets Waiver](https://www.marketreview.com/news/trump-raises-the-trade-deal-ante-markets-waiver/) - U.S. President Donald Trump has a reputation as a tough negotiator, and his latest move to raise the ante on tariffs with China makes that abundantly clear. - [Upcoming Uber IPO Faces a Tough Road Ahead](https://www.marketreview.com/news/upcoming-uber-ipo-faces-tough-road-ahead/) - Uber’s IPO is finally scheduled to roll out this week amidst much fanfare, and is said to be the most anticipated IPO since Facebook in 2012. - [Delaying Social Security Benefits Now Make Less Sense](https://www.marketreview.com/news/delaying-social-security-benefits-now-make-less-sense/) - While financial advisors always have told us to wait until age 70 to collect Social Security benefits, the changing landscape of Social Security should have us rethinking this. - [Should the Market Be Concerned About the Fed’s Neutral Stance?](https://www.marketreview.com/news/should-market-be-concerned-about-feds-neutral-stance/) - Our latest Fed meeting resulted in the committee leaving interest rates alone, in the face of inflation that has dipped from the last meeting. Should we be concerned? - [Increasing Production Continues to Drive Oil Prices Downward](https://www.marketreview.com/news/increasing-production-continues-to-drive-oil-prices-downward/) - While oil prices have been in an upward trend since late December of last year, tracking the stock markets pretty closely, it is now experiencing its biggest pullback since the rally began. - [Apple Stock Leaps Again After Positive Earnings Report](https://www.marketreview.com/news/apple-stock-leaps-again-after-positive-earnings-report/) - Apple shared some news which the market after the close Tuesday, with their announcement of their quarterly results, and the market expressed its approval on Wednesday. - [The Real Reason Why Social Security is Going Broke](https://www.marketreview.com/news/real-reason-why-social-security-is-going-broke/) - Just about everyone thinks that the upcoming shortfall in the Social Security balance sheet, which will cause it to become bankrupt, is solely because of changing demographics. - [Why Price/Earnings Ratios Don’t Tell Us Very Much](https://www.marketreview.com/news/why-price-earnings-ratios-dont-tell-us-very-much/) - Price to earnings is relied upon by a lot of people in deciding a stock’s outlook. The idea is to hope that we’ll get a reversion to the mean. This isn’t how stocks work though. - [Professional Money Managers Starting to Waiver](https://www.marketreview.com/news/professional-money-managers-starting-to-waiver/) - The stock market hasn’t shown any real signs of slowing down, but in a survey of money managers, their confidence in the current market is getting a little rattled lately. - [Effectively Managing Risk in Today’s Stock Markets](https://www.marketreview.com/news/effectively-managing-risk-in-todays-stock-markets/) - Investors often worry about risk, but many don’t think about it too much unless they have already been exposed to a lot of it. We always want to be aware of such things. - [New Quarterly GDP Number Not as Big as it Appears](https://www.marketreview.com/news/new-quarterly-gdp-number-not-as-big-as-it-appears/) - The first thing people may have thought when they saw the U.S. first quarter GDP come in so much higher than expected is that this may be alarming. We need not worry. - [Stock Market Bets on Chevron to Win Takeover Bid](https://www.marketreview.com/news/stock-market-bets-on-chevron-to-win-takeover-bid/) - While there is much speculation on whether Chevron or Occidental will win the bid to take over Anadarko Petroleum, you can’t just necessarily go by the size of the bids. - [3M Shares Get Punished After Slashing 2019 Earnings](https://www.marketreview.com/news/3m-shares-get-punished-after-slashing-2019-earnings/) - After a terrible 2018 which saw 3M stock lose 20%, 2019 was shaping up much better, until Thursday that is. The stock lost most of their 15% year to date gain on a single day. - [P&G Seen as Undervalued in Spite of Recent Highs](https://www.marketreview.com/news/pg-seen-as-undervalued-in-spite-of-recent-highs/) - Procter and Gamble’s stock has done very well over the last year, up 43% from where it sat last April. Barclay’s believes that it should go even higher, based upon its solid earnings. - [Microsoft Continues to Make New Highs After Positive Earnings](https://www.marketreview.com/news/microsoft-continues-to-make-new-highs/) - Microsoft has been right up there with Apple as far as the biggest stocks in the world go. They got there from their tremendous rise in stock prices, and are ready to deliver more. - [New CFPB Director Looks to Focus on Consumer Education](https://www.marketreview.com/news/new-cfpb-director-looks-to-focus-on-consumer-education/) - The Consumer Financial Protection Bureau was put in place in 2008 in the aftermath of the mortgage crisis. New director Kathy Kraninger is focused more on education than enforcement. - [How Diversified Should Our Stocks Be These Days?](https://www.marketreview.com/news/how-diversified-should-our-stocks-be-these-days/) - We’re often told to diversify a lot with our stock positions. While some diversification can make sense, if we’re picking our stocks ourselves, how much of this do we need? - [MBS Fund Columbia Has Made Lemonade out of Lemons](https://www.marketreview.com/news/mbs-fund-columbia-has-made-lemonade-out-of-lemons/) - The very thought of investing in non-agency mortgage backed securities still strikes fear in the hearts of many investors. The ones that collapsed are still very much alive though. - [New Study Reveals Misunderstandings About Credit Card Rewards](https://www.marketreview.com/news/new-study-reveals-misunderstandings-about-credit-card-rewards/) - A lot of people use credit cards to earn rewards. As it turns out, a very large number of them don’t quite understand how these rewards work, especially with travel rewards. - [Non-Transparent Active ETFs Finally Win SEC Approval](https://www.marketreview.com/news/non-transparent-active-etfs-finally-win-sec-approval/) - Precidian Investments filed an application with the SEC back in 2014 for a type of active ETF that does not require transparency. The SEC likes transparency. They finally gave in. - [Using Options as a Hedge Against a Bear Market](https://www.marketreview.com/news/using-options-as-hedge-against-bear-market/) - While the stock market marches on, many institutional investors worry that it may be over soon. Using options is one way to contain this risk, but is it a good way to do it? - [87% of American CFOs Predict a Recession Within 2 Years](https://www.marketreview.com/news/87-percent-us-cfos-predict-recession-within-2-years/) - In the latest poll of American Chief Financial Officers, while the overall pessimism regarding the economy is improving a bit, most still feel that a recession will be coming. - [Should Investors “Sell in May and Go Away”?](https://www.marketreview.com/news/should-investors-sell-in-may-and-go-away/) - There is an old adage among investors that they should “sell in May and go away,” taking the rest of the year off. Does this strategy make sense this year? - [Stock Market Volumes at Lowest Levels in Months](https://www.marketreview.com/news/stock-market-volumes-at-lowest-levels-in-months/) - Some investors are becoming concerned about the fact that while major stock market indices are nearing all-time records, the volume of shares traded is going down. - [Pinterest IPO Has Decent First Day, But Caution Advised](https://www.marketreview.com/news/pinterest-ipo-has-decent-first-day-but-caution-advised/) - Many people think of IPOs as an easy opportunity to make a lot of money. The institutions do get greased, but individuals need to be very careful trading them. - [Gold Continues to Sink, Makes New Low For the Year](https://www.marketreview.com/news/gold-continues-to-sink-makes-new-low-for-the-year/) - While some observers have been recommending going long gold recently, the play was really dependent on its not breaking support. It has, and is now at a crossroads. - [Ray Dalio Seeks Reforms to Narrow Wealth Gap](https://www.marketreview.com/news/ray-dalio-seeks-reforms-to-narrow-wealth-gap/) - Ray Dalio, the owner of the world’s largest hedge fund, is a capitalist if there ever was one. When he says that capitalism is broken and is in need of a fix, that may say something. - [Health Care Stocks Continue to Get Pounded in 2019](https://www.marketreview.com/news/health-care-stocks-continue-to-get-pounded-in-2019/) - 2019 has started out pretty bullish for the overall stock market, but with many health care stocks, it’s been a year to forget so far. Things don’t look like they are changing. - [Selling Put Options to Monetize Apple Stock](https://www.marketreview.com/news/selling-put-options-to-monetize-apple-stock/) - Trading in options is far from the beaten path of your typical investor, especially selling them. Some investors do use this strategy though, but they can be plenty tricky. - [BlackRock Earnings Drop, CEO Sees More Market Growth Coming](https://www.marketreview.com/news/blackrock-earnings-drop-ceo-sees-more-market-growth-coming/) - BlackRock’s earnings come in a little short of expectations, but the ETF market that they dominate is still red hot. The company is also seeing a real potential for further market gains. - [Sanders Outlines Plans for Funding “Medicare for All”](https://www.marketreview.com/news/sanders-outlines-plans-for-funding-medicare-for-all/) - Health care reform is a big priority for Democratic senator and presidential hopeful Bernie Sanders. The biggest obstacle is how this would be paid for, but he has some ideas. - [When the Economy Slows Down, Many Point the Finger at Banks](https://www.marketreview.com/news/when-economy-slows-down-many-point-finger-at-banks/) - With our entering a period of at least global economic slowdown, we need to be aware of the potential for political dissent, and a lot of this anger is directed at the banking sector. - [Morgan Stanley Worries About Growing Wage Levels](https://www.marketreview.com/news/morgan-stanley-worries-about-growing-wage-levels/) - While investors normally applaud increases in wages, as this does indicate a growing economy, Morgan Stanley analysts are concerned that this may even contribute to a recession. - [Donald Trump Believes Dow Should Be 10,000 Points Higher](https://www.marketreview.com/news/donald-trump-believes-dow-should-be-10000-points-higher/) - According to U.S. President Donald Trump, the stock market should be 10,000 points higher than it is today if not for the Federal Reserve not acting to support its growth enough. - [SEC Wonders If ETF Business is Too Concentrated In the Big 3](https://www.marketreview.com/news/sec-wonders-if-etf-business-is-too-concentrated-in-the-big-3/) - ETF business is booming, and is now a $4 trillion a year industry. 80% of ETF business is concentrated in just 3 firms, with more than a hundred other firms fighting for the scraps. - [How Much Should We Worry About GDP Growth Dropping to 2%?](https://www.marketreview.com/news/how-much-should-we-worry-about-gdp-growth-dropping-to-2/) - Current projections have us moving from a 2.9% GDP growth rate in 2018 to around just 2% in 2019, and stay around this level until 2022. What does this mean for stocks? - [CVS Stock Pretty Beat Up But Looking to Heal](https://www.marketreview.com/news/cvs-stock-pretty-beat-up-but-looking-to-heal/) - The stock markets may be up about 20% on average in 2019, but CVS is down that much this year so far, and down 34% since mid-November. There are reasons to be hopeful though. - [Bed Bath and Beyond Kicks Off Earnings Season with a Disappointment](https://www.marketreview.com/news/bed-bath-and-beyond-kicks-off-earnings-season-with-disappointment/) - Retailer Bed Bath and Beyond has put in a nice rally so far in 2019, after being on a huge slide the last 4 years. Things don’t look quite as promising as we had hoped though. - [After Lyft IPO Left the Road, Uber More Cautious with Theirs](https://www.marketreview.com/news/after-lyft-ipo-left-the-road-uber-more-cautious-with-theirs/) - While the release of Lyft’s initial public offering made a lot of headlines, they are just the warm-up act for big brother Uber. The crowd is on the unruly side though, so care must be taken. - [Levi Strauss Releases First Post-IPO Earnings, Debt Concerns Emerge](https://www.marketreview.com/news/levi-strauss-releases-first-post-ipo-earnings/) - Levi Strauss’ first earnings call since its recent IPO was mostly upbeat, with good earnings results, although the company’s long-term debt does concern some analysts. - [Deutsche Bank Analyst Bullish on Gold, Barrick](https://www.marketreview.com/news/deutsche-bank-analyst-bullish-on-gold-barrick/) - Gold as an investment has been in a real rut over the past 6 years, a period of time where it hasn’t gained a thing. Analyst Chris Terry thinks it is due for a revival soon. - [How Much Damage Could Warren Do to the Stock Market?](https://www.marketreview.com/news/how-much-damage-could-warren-do-to-the-stock-market/) - Should Elizabeth Warren become elected president, and should her proposed tax hikes get put into place, the estimates of a 20-30% loss in the stock market may be on the low side. - [Trump Threatens $11 Billion in Tariffs on E.U. Imports](https://www.marketreview.com/news/trump-threatens-11-billion-in-tariffs-on-eu-imports/) - The European Union has enough to worry about these days, with the economy and the Brexit escapade. They now have to deal with a very real threat of $11 billion in tariffs. - [U.S. Steel Stock Downgraded by Credit Suisse](https://www.marketreview.com/news/us-steel-stock-downgraded-by-credit-suisse/) - In spite of marked improvement in profit lately, U.S. Steel stock has had a rough time over the last year, losing 60%. With more concerns on the horizon, the outlook dims further. - [Americans Have Saved a Shockingly Small Amount for Retirement](https://www.marketreview.com/news/americans-have-saved-a-shockingly-small-amount-for-retirement/) - While many of us work away at putting money away for retirement, we do so without a real sense of what we will need. When we look at how we are doing, the numbers are terrible. - [Higher Yield Bonds Getting More Proclaimed Lately](https://www.marketreview.com/news/higher-yield-bonds-getting-more-proclaimed-lately/) - Investors are currently trying to decide between keeping more of their money in stocks or look to diversify more with bonds. There’s more to bonds than just treasuries though. - [Foot Locker Continues Upward, Expects Even More Success](https://www.marketreview.com/news/foot-locker-continues-upward-expects-even-more-success/) - After a terrible 6 month run in 2017, which saw their stock lose more than half its value, Foot Locker has picked themselves off the floor and are now eyeing making it all the way back. - [Top GE Stock Analyst Stephen Tusa Turns His View to Bearish](https://www.marketreview.com/news/ge-stock-analyst-turns-his-view-to-bearish/) - Stephen Tusa of JPMorgan is regarded as the most prominent analyst of GE stock. While this stock has performed fabulously lately, Tusa has changed his outlook. - [Active Mutual Funds Starting to Become More Activist](https://www.marketreview.com/news/active-mutual-funds-starting-to-become-more-activist/) - Actively managed mutual funds, where fund managers pick the stocks in the fund, may be in decline, but many fund managers are looking to do more with their voting rights. - [How Much Longer Can This Long Bull Market Last?](https://www.marketreview.com/news/how-much-longer-can-this-long-bull-market-last/) - As the bull market celebrates its 10th anniversary, and the surge of 2019 continuing on, many believe that things should come to an end soon, but this could go on for a while yet. - [The Real Reason Why Stocks Continue to Rally in 2019](https://www.marketreview.com/news/real-reason-why-stocks-continue-to-rally-in-2019/) - Mutual funds on the whole have been actually pulling out of the stock market, with net outflows totaling almost $40 billion year-to-date. Why are we still going up then? - [How the Retirement Industry Is Trying to Help Savers](https://www.marketreview.com/news/how-the-retirement-industry-is-trying-to-help-savers/) - People just don’t save enough for retirement generally, and some of this has to do with their lack of consideration. We should help them connect the dots to the future better. - [U.S. States Grapple with $6 Trillion in Pension Liabilities](https://www.marketreview.com/news/us-states-grapple-with-6-trillion-in-pension-liabilities/) - Forced to decide between funding their pension plans and other government spending, U.S. states have chosen to neglect their pension liabilities. The problem is growing larger. - [Midwest Rains Creating a Bullish View of Wheat Futures](https://www.marketreview.com/news/midwest-rains-creating-a-bullish-view-of-wheat-futures/) - Wheat, like all crops, needs a good amount of rain to grow, but not too much. The recent deluge in the U.S. Midwest is causing some people to get excited about wheat. - [Boeing Software Fix Announced, Stock Starts to Recover](https://www.marketreview.com/news/boeing-software-fix-announced-stock-starts-to-recover/) - Boeing stock got caught in a real downdraft when one of its planes hit the ground last month. The fix has been found, and its recovery from this bottom is going according to plan. - [Strategist Ruchir Sharma Shares His Thoughts on the Market](https://www.marketreview.com/news/ruchir-sharma-shares-his-thoughts-on-the-market/) - Morgan Stanley’s Ruchir Sharma is known as one of the brightest minds in the investment industry, with both a keen eye and a good understanding of how markets work. - [How Climate Change May Affect Investors](https://www.marketreview.com/news/how-climate-change-may-affect-investors/) - A lot of people are concerned with the effects of climate change, and although this process may seem to be so gradual as to not affect investing, Jeremy Grantham doesn’t think so. - [Declining Auto Sales Will Weigh Further on Auto Stocks](https://www.marketreview.com/news/declining-auto-sales-will-weigh-further-on-auto-stocks/) - Stocks of U.S. automakers GM and Ford have been far less than exciting anyway, but declining sales numbers are expected to make them even less exciting in 2019. - [Nike Expected to Get Back on Track Following Recent Sell-Off](https://www.marketreview.com/news/nike-expected-to-get-back-on-track-following-recent-sell-off/) - After disappointing the analysts a couple of weeks ago with their quarterly earnings call, Nike has laced on their shoes again and appears ready to resume its forward progress. - [How Investors Could Profit from a Coming Bear Market](https://www.marketreview.com/news/how-investors-could-profit-from-a-coming-bear-market/) - Bear markets certainly scare a lot of investors, and given that so many are predicting one soon, this may evoke feelings of doom. We might want to get excited instead. - [Be Careful Using Financial Stocks as Dividend Plays](https://www.marketreview.com/news/be-careful-using-financial-stocks-as-dividend-plays/) - Many investors jump on financial stocks with the intention of taking advantage of their better dividends. This is just one aspect of them, and not even the biggest one. - [Lyft Stock Prospects Already Wilting Under Market Scrutiny](https://www.marketreview.com/news/lyft-stock-prospects-already-wilting-under-market-scrutiny/) - Lyft finally got its IPO off the ground last Friday, but it’s been sputtering since. It’s not so much that it has dropped almost 20% in 3 trading days, it’s more about when the bleeding will stop. - [How Much Should the 10 Year Treasury Matter to Stock Investors?](https://www.marketreview.com/news/how-much-should-the-10-year-treasury-matter-to-stock-investors/) - The dropping yield of 10-year treasury bills have really been in the news lately, because of an inversion. How much should we even be concerned about 10-year treasuries? - [The Credit Market is the Real Key in Avoiding Recessions](https://www.marketreview.com/news/the-credit-market-is-the-real-key-in-avoiding-recessions/) - A lot of people are looking at bond yields as an early warning for a coming recession. What we should be looking at is the credit market, as this isn’t a correlation, it’s the cause. - [Tracking Bears in Today’s Stock Market Environment](https://www.marketreview.com/news/tracking-bears-in-todays-stock-market-environment/) - Given all the talk and even quite a bit of concern about the threat of another bear market showing its ugly face soon, it pays to brush up on our skills on how to track a bear. - [Amphenol Stock Quietly Continues to Impress](https://www.marketreview.com/news/amphenol-stock-quietly-continues-to-impress/) - Few people have ever heard of Amphenol, even though they are a pretty big company. Their stock’s performance over the last 7 years has been something to watch though. - [S&P 500 Puts in Best First Quarter Gains in a Decade](https://www.marketreview.com/news/sp-500-puts-in-best-first-quarter-gains-in-a-decade/) - In spite of all the concerns and even negativity out there, and an expectation that stock markets and the economy are about to make a big turn south, the beat just goes on. - [More People Now Carrying More Debt into Retirement](https://www.marketreview.com/news/more-people-now-carrying-more-debt-into-retirement/) - Previous generations used to steer well clear of debt in retirement. Nowadays, this has become a more viable option, thanks to the benefits of employer matched contributions. - [The Fed Looks Pretty Comfortable with Current Rates](https://www.marketreview.com/news/fed-looks-pretty-comfortable-with-current-rates/) - While many investors are sitting back and hoping that the Fed may do more to stimulate us out of our current economic slowdown, the Fed may not see the need for any of this. - [Cronos May Look Appealing, But Comes with a Lot More Risk](https://www.marketreview.com/news/cronos-may-look-appealing-but-comes-with-a-lot-more-risk/) - Marijuana stocks have attracted a lot of attention on Wall St. recently, and some stocks like Cronos are up 80% in 2019. These stocks require more care to manage though. - [2018 Fourth Quarter GDP Growth Revised Downward](https://www.marketreview.com/news/2018-fourth-quarter-gdp-growth-revised-downward/) - With all the concern about slowing GDP growth lately, investors have now learned that the fourth quarter of 2018 wasn’t as rosy as we had thought, and we only grew by 2.2%. - [Analyst Sees Bank Stocks Good Picks in Slowdown](https://www.marketreview.com/news/analyst-sees-bank-stocks-good-picks-in-slowdown/) - Bank stocks took a pretty big hit in 2018 in spite of the banks themselves performing very well. If things end up slowing during 2019, bank stocks may outperform this time. - [Should Investors Buy Boeing’s Current Bottom?](https://www.marketreview.com/news/should-investors-buy-boeings-current-bottom/) - In spite of Boeing’s recent troubles with one of their aircraft, and their stock plummeting as a result, there are some at least who think that their stock looks good down here. - [Amounts Parents Spend on Their Adult Kids Continues to Rise](https://www.marketreview.com/news/amounts-parents-spend-on-adult-kids-continue-to-rise/) - Parents are spending more than ever on their adult kids, with the total now at $500 billion a year. It’s nice to be able to do this, but we need to consider ourselves too. - [Stock Market Recovery on Tuesday Brings Much Needed Relief](https://www.marketreview.com/news/stock-market-recovery-on-tuesday-brings-much-needed-relief/) - There have been a number of things that have tried to put an end to our now three -month long bull market, but so far, the buying pressure has been up to the task. - [A Deeper Look at the Yield Curve Inversion Problem](https://www.marketreview.com/news/a-deeper-look-at-the-yield-curve-inversion-problem/) - The 3 month and 10-year treasury yield curve remained inverted for the second consecutive trading day on Monday. How much do we need to worry about this? - [Rhodium Now Up 30% in 2019 and Cracks $3000/oz](https://www.marketreview.com/news/rhodium-now-up-30-in-2019-and-cracks-3000-oz/) - When people think of valuable precious metals, gold immediately comes to mind, along with palladium and platinum. Rhodium is actually now worth more than any of them. - [IPOs Rush to Market Amidst Increasing Economic Worry](https://www.marketreview.com/news/ipos-rush-to-market-amidst-increasing-economic-worry/) - With the real possibility that we may be seeing storm clouds forming on the stock market horizon, some of the major IPOs of 2019 are moving up their launch dates. - [Is Bitcoin a Dying Asset, or is it Simply Maturing?](https://www.marketreview.com/news/is-btc-a-dying-asset-or-is-it-simply-maturing/) - Bitcoin has taken quite a beating in the markets, and the CBOE is now planning on delisting it. The media continues to pound it, but things may actually be looking up. - [What We Can Learn from Friday’s Big Stock Market Selloff](https://www.marketreview.com/news/what-we-can-learn-from-fridays-big-stock-market-selloff/) - Seeing the stock market sell off a couple of percentage points on average is usually not something to be too concerned about. Some selloffs tell a bigger story than others though. - [Biogen’s Big Gap Down on Thursday a Lesson For Traders](https://www.marketreview.com/news/biogens-big-gap-down-on-thursday-a-lesson-for-traders/) - Investors think nothing of holding a stock overnight, and makes sense for their strategy. The situation is much different for traders who use leverage, where this becomes unwise. - [Apple Retakes Lead as U.S.’s Biggest Cap Stock](https://www.marketreview.com/news/apple-retakes-lead-as-u-s-s-biggest-cap-stock/) - Apple had been one of the stocks that really suffered during the last major market selloff. It has come back a long way since, but seems poised to move up even more now. - [Is It the Time to Sell Now Just Because It Might Be Time Soon?](https://www.marketreview.com/news/is-it-time-to-sell-now-just-because-it-might-be-time-soon/) - The long-term trend up has been going on for a long time now. We do have some signs that this current cycle may be ending, and we may need to get out soon. Soon does not mean now. - [With Bond Yields Forecast to Remain Low, Dividend Stocks Look Better](https://www.marketreview.com/news/with-bond-yields-forecast-to-remain-low-dividend-stocks-look-better/) - Low Yields on U.S. treasuries that are projected to extend into the future have more investors eyeing dividend stocks. This can be a fine thought if you know what you’re getting into. - [The Fed’s Friendlier Approach Scares Some Investors](https://www.marketreview.com/news/the-feds-friendlier-approach-scares-some-investors/) - Investors prefer a situation where the Fed does not see a need to act over when they act to cool the economy. They chose to stand aside again, and some found this a little scary. - [Non-Performing Loan Levels Now Fully Back To Normal](https://www.marketreview.com/news/non-performing-loan-levels-now-fully-back-to-normal/) - It actually took a lot longer than we may have thought to fully recover from the Great Recession. Rates of non-performing loans are finally back to before this all started. - [Why the Housing Market Should Not Worry About Equity Take-Out](https://www.marketreview.com/news/why-the-housing-market-should-not-worry-about-equity-take-out/) - Can we look at the rate that people are refinancing their mortgages and conclude this will or even could cause a housing market crash? Some people do, although it makes no sense. - [What Technical Analysis Tells Us About the Current Market](https://www.marketreview.com/news/what-technical-analysis-tells-us-about-the-current-market/) - People ask what technical analysis has to say with the current stock market conditions. It doesn’t decide things ahead of time, and the most it can honestly tell us is so far so good. - [U.S. Economy May Actually Be in A Real Nice Spot](https://www.marketreview.com/news/us-economy-may-actually-be-in-a-real-nice-spot/) - To the untrained eye, seeing both our actual and projected GDP growth rates decline may seem pretty bearish. These numbers may actually be in the sweet spot though. - [Tesla’s Cars May Be Amazing, But the Company Sure Isn’t](https://www.marketreview.com/news/teslas-cars-may-be-amazing-but-the-company-sure-isnt/) - Tesla has been in the car business for 15 years, now, and has lost money in all 15 years. Investors are starting to ask themselves when this will all end, but it’s probably not now. - [Many CEO’s Now Actively Preparing for a Recession](https://www.marketreview.com/news/many-ceos-now-actively-preparing-for-a-recession/) - How much should investors care about the fact that so many CEOs are preparing their companies for a recession? This really should not be that important to long-term investors. - [Are We on The Verge of Another Dot-Com Bubble?](https://www.marketreview.com/news/are-we-on-the-verge-of-another-dot-com-bubble/) - The dot.com bubble bursting in 2000 is legendary, where investors in their exuberance drove up prices to the sky, then the sky fell. Comparisons are now being made to today. - [RBC Remains Bullish on Biotech Firm Gilead](https://www.marketreview.com/news/rbc-remains-bullish-on-biotech-firm-gilead/) - What do you do when you see an analyst disagreeing with the market? Even if the analyst is right, if the market is not on board yet with this, you need to wait until it is. - [GE Shares 2019 Outlook, Comes in Below Expectations](https://www.marketreview.com/news/ge-shares-2019-outlook-comes-in-below-expectations/) - Company calls with analysts involve more than just comparing notes with them with earnings. It’s not hard to see what the market thinks about these calls, just watch the price. - [Labor Participation Rates and Potential for Job Growth](https://www.marketreview.com/news/labor-participation-rates-and-potential-for-job-growth/) - A third of Americans of working age are not actively seeking employment, and it may seem that if we increase participation, we will grow the economy. It’s not that simple though. - [Lessons We Can Learn from Boeing’s Recent Fall](https://www.marketreview.com/news/lessons-we-can-learn-from-boeings-recent-fall/) - Many analysts are trying to ponder how such a huge loss in the value of Boeing stock this week makes much sense from a fundamental perspective. It doesn’t have to. - [Is New York City on the Brink Of Going Bankrupt?](https://www.marketreview.com/news/is-nyc-on-the-brink-of-going-bankrupt/) - New York City has a lot of paper out there, so the thought of it going bankrupt is particularly troubling. We need to look at how big this threat may actually be. - [Merrill Offering Rate Discounts to Win Mortgages](https://www.marketreview.com/news/merrill-offering-rate-discounts-to-win-mortgages/) - Merrill Lynch got stung so badly by holding sub-prime mortgages that they almost went out of business. This time around though, they are eyeing the cream of the crop. - [Should We Worry About Small Cap Stock Divergences?](https://www.marketreview.com/news/should-we-worry-about-small-cap-stock-divergences/) - The Russell 2000 has a lot of stocks in it, but the sum total of them doesn’t add up to much. If we want to track small caps, it is invaluable, but with big caps, it’s pretty meaningless. - [The Dow Says No Once Again to Off-Hours Selling Pressure](https://www.marketreview.com/news/dow-says-no-once-again-to-off-hours-selling-pressure/) - On Friday, the Dow worked hard all day to overcome the hole they were put in and got it back. Faced with another hole Monday, the Dow got it back again, and just kept going. - [Buffett and Others Share Their 10 Year Outlook](https://www.marketreview.com/news/buffett-and-others-share-their-10-year-outlook/) - After 10 years of seeing stocks go up, this leaves us wondering what the next 10 will be like. With predictions of at least a slowdown, we should get prepared for this now. - [Warren Shares Plans to Restrict Leading Internet Companies](https://www.marketreview.com/news/warren-shares-plans-to-restrict-leading-internet-companies/) - Elizabeth Warren wants to try to break three big internet companies, ones she feels have grown too big. They are bigger than she likes, and she wants to try to stop them. - [Nonfarm Payroll Report Better Than It Appears](https://www.marketreview.com/news/nonfarm-payroll-report-better-than-it-appears/) - The February nonfarm payroll report numbers were released Friday morning, and they disappointed the analysts. The market didn’t agree and put in a strong rally in response. - [Dow Close to its 50 Day Moving Average Crossing Upward](https://www.marketreview.com/news/dow-close-to-its-50-day-moving-average-crossing-upward/) - Plenty of people pay attention to a technical signal called the 50/200 moving average crossover. While this indicator can be somewhat useful sometimes, this isn’t one of them. - [Democrats Kick Around Idea of Securities Transaction Tax](https://www.marketreview.com/news/democrats-kick-around-idea-of-securities-transaction-tax/) - Some congressional democrats may find the idea of a punishing tax on securities transactions appealing, but this once again demonstrates their financial ignorance. - [Leveraged Loan Levels Cause Concern on Wall Street](https://www.marketreview.com/news/leveraged-loan-levels-cause-concern-on-wall-street/) - Securitized debt can be a valuable tool, as it increases borrowing efficiency by placing debt more efficiently. Lenders need to have a good understanding of the risks involved though. - [Stronger U.S. Dollar Weighs Down U.S. Stock Markets](https://www.marketreview.com/news/stronger-usd-weighs-down-us-stock-markets/) - The word out there is that U.S. stock markets are struggling because they are waiting for a trade deal. The real reasons are a strengthening dollar and increasing demand for bonds. - [Preventing “Gray Divorce” from Wrecking Your Retirement](https://www.marketreview.com/news/preventing-gray-divorce-from-wrecking-your-retirement/) - Divorce rates may be going down, but they are going up a lot among those 50 or older. This is a time in our lives where we are particularly exposed to the financial risk of divorce. - [“Medicare For All” Evokes Fears Even Among Democrats](https://www.marketreview.com/news/medicare-for-all-evokes-fears-even-among-democrats/) - The idea of Medicare for all has gained in popularity and even inspired some serious discussion lately. This idea can look quite appealing as long as we don’t think too much. - [Does Cott Stock Have Considerable Upside in 2019?](https://www.marketreview.com/news/does-cott-stock-have-considerable-upside-in-2019/) - Cott Corporation is Barrons stock pick this week, and we’re told their stock looks ready to pop. The pop may not be that significant, but it could foam up a little from here. - [Dow Transports Records 8th Consecutive Losing Session](https://www.marketreview.com/news/dow-transports-records-8th-consecutive-losing-session/) - Should we worry very much about the eight consecutive losing sessions that the Dow Jones Transportation Average has suffered? It’s not how many that matters, it’s how much. - [Why the 206 Point Drop in the Dow on Monday is Instructive](https://www.marketreview.com/news/why-the-206-point-drop-in-the-dow-on-monday-is-instructive/) - How can we explain the news looking so good and the market performing so poorly? The momentum of price movements themselves can and do move markets a lot as well. - [Amazon Set to Muscle in On Physical Retailing](https://www.marketreview.com/news/amazon-set-to-muscle-in-on-physical-retailing/) - Amazon is seen as a big enough threat to brick and mortar retailers with their huge online presence, but should they make a major move to physical stores, the threat will get bigger. - [Ways to Pay Off Your 2018 Tax Bill to the IRS](https://www.marketreview.com/news/ways-to-pay-off-your-2018-tax-bill-to-the-irs/) - With the April 15 deadline drawing nearer, 30 million people are expected to owe money to the IRS this year. The time to start thinking about how you will make that payment is now. - [Big Pharma Expanding Further into Gene Therapy](https://www.marketreview.com/news/big-pharma-expanding-further-into-gene-therapy/) - Gene therapy might sound a lot like science fiction, and at one point it was, but the fiction part is beginning to translate into real promise, and on the brink of becoming reality. - [Big Food Stocks May Not Be in That Great of a Shape](https://www.marketreview.com/news/big-food-stocks-may-not-be-in-that-great-of-a-shape/) - When such a large food company as Kraft Heinz provides us with such a brutal quarterly report, we need to look deeper into what direction the industry may be taking. - [Several Indicators Indicate More Market Upside in 2019](https://www.marketreview.com/news/several-indicators-indicate-more-market-upside-in-2019/) - In today’s relatively uncertain economic environment, people are lining up on each side of the debate on where we’re headed next. There’s good evidence though that it is upward. - [PayPal Hits All-Time High, May Be Poised to Go Higher](https://www.marketreview.com/news/paypal-hits-all-time-high-may-be-poised-to-go-higher/) - PayPal has seen its stock rise 130% over the last 2 years, and this has caused its price to earnings ratio to really rise. Some analysts are worried, but investors don’t seem to care. - [Buffett Hanging on With Kraft Heinz, What Should We Do?](https://www.marketreview.com/news/buffett-hanging-on-with-kraft-heinz-what-should-we-do/) - Kraft Heinz has taken such a pounding that some people wondered whether Warren Buffett would seek to reduce or eliminate his position. Warren doesn’t give up this easily. - [Successful Fund Manager Offers Tips to Investors](https://www.marketreview.com/news/successful-fund-manager-offers-tips-to-investors/) - Successful fund manager Chris Mack shares with us some of the things that has led to his fund outperforming the competition. While we may profit from such tips, they play a different game. - [Small-Cap Fund Looks to Benefit from Investor Mistakes](https://www.marketreview.com/news/small-cap-fund-looks-to-benefit-from-investor-mistakes/) - Human behavior does affect the price of stocks in a meaningful way, as evidenced by the work of Richard Thaler, who even has a fund to show this work in real life. - [World’s Billionaires Lose $1 Trillion in Stock Market in 2019](https://www.marketreview.com/news/worlds-billionaires-lose-1-trillion-in-stock-market-in-2019/) - A billion dollars sure isn’t what it used to be, and the difference is more than just how money gets devalued by inflation. A billion in stock is nothing like a billion in cash. - [Dow Struggles Wednesday In the Face of Uncertainty](https://www.marketreview.com/news/dow-struggles-wednesday-in-the-face-of-uncertainty/) - With so many major stories in the news that could potentially affect stock markets, investors are showing at least a little reluctance to propel our market surge further. - [Asian Markets Rally in Expectations of Trump/Kim II](https://www.marketreview.com/news/asian-markets-rally-in-expectations-of-trump-kim-ii/) - Donald Trump and Kim Jong-un are meeting once again to discuss de-escalating the conflict between their two countries. Many do not expect much progress but a little is enough. - [Social Security Illness Now on The Horizon](https://www.marketreview.com/news/social-security-illness-now-on-the-horizon/) - If you pay out more than you take in, eventually your funds will run out. While governments normally don’t work that way, certain things can, including Social Security. - [Are We on The Brink of a Bursting Housing Bubble?](https://www.marketreview.com/news/are-we-on-the-brink-of-a-bursting-housing-bubble/) - Many people worry about the rising home prices of today causing a bubble that is ready to burst. While there may indeed be trouble brewing, real concerns are still quite far off. - [Several IPOs of 2019 Have the Potential to be Very Exciting](https://www.marketreview.com/news/2019-ipos-have-the-potential-to-be-very-exciting/) - Uber, Lyft, Airbnb, and Pinterest are all scheduled to release their first stock to the public this year. As exciting as this might seem, we still need to exercise enough caution. - [Zillow Puts in Biggest One Day Gain Ever](https://www.marketreview.com/news/zillow-puts-in-biggest-one-day-gain-ever/) - You can buy and sell a lot of things online these days, pretty much anything, but you can’t sell your house online, right? Zillow has allowed people to do this right now if they wish. - [More and More High-Income Earners Giving Up the Dream](https://www.marketreview.com/news/more-and-more-high-income-earners-giving-up-the-dream/) - Home ownership is considered to be a significant part of the American dream, but more and more of us are being forced to give it up, even those who make a lot of money. - [Berkshire Hathaway Loses $4.4 Billion in a Single Day](https://www.marketreview.com/news/berkshire-hathaway-loses-4-4-billion-in-a-single-day/) - Even iconic investors make mistakes. Warren Buffett sure made one when he bought a quarter of Kraft Heinz. The damage is up to $14 billion and this may be far from over. - [Kraft Heinz Braces for All Time Low as Shares Plummet](https://www.marketreview.com/news/kraft-heinz-braces-for-all-time-low-as-shares-plummet/) - Kraft Heinz had already seen the value of their shares drop by half over the past two years. Thursday’s earnings call poured gasoline on this fire, and things are really ablaze now. - [Risk of a Recession Has Some Wondering about the Fed](https://www.marketreview.com/news/risk-of-recession-has-some-wondering-about-the-fed/) - With the Fed still forecasting at least one rate hike in 2019, if not two, and no one really talking much about a rate cut, this does not suggest that things may get unmanageable. - [Analysis Sees 11% More Market Upside from Trade Deal](https://www.marketreview.com/news/analysis-sees-11-percent-more-market-upside-from-trade-deal/) - Many are speculating on the potential effects of a successful trade deal between the U.S. and China, and since this is still weighing us down, there is still upside left with this. - [$3 Trillion in Corporate Debt Set to Weigh Down Stocks](https://www.marketreview.com/news/3-trillion-in-corporate-debt-set-to-weigh-down-stocks/) - We will be seeing a huge amount of corporate debt maturing soon, with $3.3 trillion of it coming due over the next 5 years. How much should we worry about all of this? - [Fed More Divided on Interest Rate Hikes Than We Thought](https://www.marketreview.com/news/fed-more-divided-on-interest-rate-hikes-than-we-thought/) - It turns out that the Fed being patient with interest rates at this point in time doesn’t mean that all members feel this way. This really shouldn’t matter to us much though. - [Achieving Double Digit Returns Can Be Pretty Easy](https://www.marketreview.com/news/achieving-double-digit-returns-can-be-pretty-easy/) - We should always be striving to get the best deal out of our money that we can. Sometimes this involves taking on more risk, but paying off debt is always risk-free. - [Elliott Wave Theory Predicts Quick Drop in Markets](https://www.marketreview.com/news/elliott-wave-theory-predicts-quick-drop-in-markets/) - Elliott Wave theory is predicting that the stock market may be in for a pretty big tumble soon. There are several prominent price influencers that also need to be accounted for. - [Donald Trump Claims to be Savior of Stock Markets](https://www.marketreview.com/news/trump-claims-to-be-savior-of-stock-markets/) - President Trump may have helped stock markets overall, and he has been a fairly market friendly president, but his influence here is nowhere near close to what he proclaims. - [Vanguard Continues to Reign over Mutual Fund Realm](https://www.marketreview.com/news/vanguard-continues-to-reign-over-mutual-fund-realm/) - Vanguard started out in 1975 with a novel idea of managing mutual funds. This idea has really caught on over the years and has propelled Vanguard to the top of the heap. - [Walmart Highlights this Week’s Earnings Parade](https://www.marketreview.com/news/walmart-highlights-this-weeks-earnings-parade/) - As the reports continue to come in during this earnings season, some of them speak louder than others. This is certainly the case with Walmart’s call scheduled for Tuesday. - [$22 Trillion U.S. Debt Only the Tip of the Debt Iceberg](https://www.marketreview.com/news/22-trillion-us-debt-only-the-tip-of-the-debt-iceberg/) - $22 Trillion of debt is a huge amount, almost beyond comprehension, but when you add in $70 trillion more, the number gets a lot bigger. It’s also about to grow much bigger. - [To-Do List for Those Getting Ready to Retire](https://www.marketreview.com/news/to-do-list-for-those-getting-ready-to-retire/) - There’s a lot more to retirement than just saving enough money to pay for it. When we’re almost there, it is time to really start planning for this life changing event. - [Trump Signs Bill, Declares National Emergency](https://www.marketreview.com/news/trump-signs-bill-declares-national-emergency/) - Since the truce was reached on the government shutdown, the hope has been that we’d get this resolved by the deadline. We did, but a state of emergency came with it. - [Personal Debt by Americans Continues to Rise](https://www.marketreview.com/news/personal-debt-by-americans-continues-to-rise/) - It’s no secret that we are borrowing more and more each year, although the data does tell us that this is increasing faster than our incomes. This is not necessarily a bad thing. - [“Dreadful” Retail Sales Report Slams Stock Markets](https://www.marketreview.com/news/dreadful-retail-sales-report-slams-stock-markets/) - Retail sales are seen generally as a good measure of economic prosperity at home. When we see a report that is the worst since 2009, that does concern some people. - [January’s CPI Comes in Flat, Inflation Remains in Check](https://www.marketreview.com/news/januarys-cpi-comes-in-flat-inflation-remains-in-check/) - The number of rate increases expected by the Federal Reserve in 2019 has dropped from two to one lately, and we’re not seeing anything in the CPI to suggest one is needed now. - [Cisco Dismisses Concerns, Back Up Claims with Numbers](https://www.marketreview.com/news/cisco-dismisses-concerns-back-up-claims-with-numbers/) - Cisco has been telling us for a while that they aren’t worried about the current business challenges they face. Their current business results back up this resilient outlook. - [Nasdaq Fully Recovers from Recent 20% Pullback](https://www.marketreview.com/news/nasdaq-fully-recovers-from-recent-pullback/) - A terrible December had people particularly looking toward technology stocks and the Nasdaq as indicating troubled times. We’ve now fully recaptured those losses. - [U.S. National Debt Now Surpasses $22 Trillion](https://www.marketreview.com/news/us-national-debt-now-surpasses-22-trillion/) - The U.S. national debt has been spiraling out of control for some time now, at an accelerating pace. We may not need to worry too much about this, but someone will. - [How Will Markets React to U.S./China Trade Deal?](https://www.marketreview.com/news/how-will-markets-react-to-us-china-trade-deal/) - With the deadline approaching, we will find out soon what the outcome of this latest round of trade talks will be, and some wonder what will happen in the markets as well. - [Congress Puts Forth Plan to Prevent Shutdown](https://www.marketreview.com/news/congress-puts-forth-plan-to-prevent-shutdown/) - Trump’s been using his demand for a $5.7 billion wall to hold up the current spending bill. We’ll soon see if a $1.4 billion fence instead will appease him enough to back off. - [The Silent Threat That Can Ruin Us Financially](https://www.marketreview.com/news/silent-threat-that-can-ruin-us-financially/) - We usually think of ourselves as being pretty well covered when it comes to health insurance. The reality is that this is still the biggest financial risk we face. - [Key Earnings Reports Set to Illuminate Cannabis Sector](https://www.marketreview.com/news/key-earnings-reports-set-to-illuminate-cannabis-sector/) - Cannabis stocks have had a pretty rough ride over the past few months, at a time where expectations were much higher. Two key earnings announcements are set to tell us more. - [Generation X Lagging Behind Millennials Financially](https://www.marketreview.com/news/generation-x-lagging-behind-millennials-financially/) - We wouldn’t normally think that a previous generation would be worse off financially than a preceding one, but at least in some important ways, Gen Xers are worse off. - [Tech Sector Eagerly Anticipates Cisco Earnings](https://www.marketreview.com/news/tech-sector-eagerly-anticipates-cisco-earnings/) - Cisco is not only an industry leader in network hardware, its performance is used as a benchmark for the industry. They announce their earnings on Wednesday. - [Stock Markets Struggle on Friday, but Finish Strong](https://www.marketreview.com/news/stock-markets-struggle-on-friday-but-finish-strong/) - After a string of successful weeks, this week saw U.S. stock indexes finish right around where they started. The second half of Friday did show us something good though. - [Is This Really the Last Word on Market Timing?](https://www.marketreview.com/news/is-this-really-the-last-word-on-market-timing/) - Dollar cost averaging is a very common strategy among individual investors. It doesn’t really involve doing anything, but doing nothing is always better than doing something wrong. - [Hedge Fund Manager Sees China Deal as Bearish](https://www.marketreview.com/news/hedge-fund-manager-sees-china-deal-as-bearish/) - Hedge fund manager Shawn Matthews holds a cautious stance right now, fears that won’t be overcome by a successful U.S./China trade deal, this will in fact worsen them for him. - [Trump’s State of the Union Surprisingly Mellow](https://www.marketreview.com/news/trumps-state-of-the-union-surprisingly-mellow/) - In his second State of the Union address, President Donald Trump toned down his normally harsh stances and is now looking like he can get along with people better. - [Sanders and Schumer Want to Limit Corporate Share Buybacks](https://www.marketreview.com/news/sanders-and-schumer-want-to-limit-corporate-share-buybacks/) - Companies use stock buybacks to use profits to increase their stock price. Two U.S. Senators want to only allow this with companies who will do business their way. - [Goldman Forecasts a Flat 2019 for Stock Markets](https://www.marketreview.com/news/goldman-forecasts-a-flat-2019-for-stock-markets/) - Have we seen the bulk of the move forward in 2019 already, just one month into the year, or are we instead poised to have a better year than this and end up higher? - [Information Age Opportunities Expand Rental Market](https://www.marketreview.com/news/information-age-opportunities-expand-rental-market/) - The information age hasn’t just brought us a lot more information, it has also allowed us to share information with others better. This is now allowing the rental market to expand. - [Crypto Dealer Takes Passwords to $190 Million to the Grave](https://www.marketreview.com/news/crypto-dealer-takes-passwords-to-190-million-to-the-grave/) - Sharing passwords is usually not a good idea, but sometimes you do need a backup plan in case something happens to you, like you die and take your passwords with you. - [Current Market is a Bull Trap, Says Sven Henrich](https://www.marketreview.com/news/current-market-is-a-bull-trap-says-henrich/) - Whether the current bull market is over is on the minds of everyone these days. Some believe that the fun is over, and that this current upward move is a false one, a bull trap. - [Wealth Tax Proposals Spark Visions of Exodus](https://www.marketreview.com/news/wealth-tax-proposals-spark-visions-of-exodus/) - Many people resent the ultra-wealthy, especially those with a billion dollars or more of it. If we want to force these people to live in other lands, we can, but do we want to? - [Outlook for EPS Growth in Q1 2019 Turns Negative](https://www.marketreview.com/news/outlook-for-eps-growth-in-q1-2019-turns-negative/) - This current earnings season is shaping up to be a fine one, with most companies surpassing expectations. The outlook for the current quarter is not so encouraging. - [New Jobs Report Shines, Market Moves Forward Again](https://www.marketreview.com/news/new-jobs-report-shines-market-moves-forward-again/) - The number for the non-farm payroll report is in for January, and even after adjustments from last month, it was up nicely and exceeded expectations. - [Alphabet Poised to Drive Company Success Further](https://www.marketreview.com/news/alphabet-poised-to-drive-company-success-further/) - Alphabet, parent company of Google, is already one of the world’s profitable companies. If they tap into the huge revenue that app licensing could add, they are set to really take off. - [Retirement Account Balances Shrink in 2018 Q4](https://www.marketreview.com/news/retirement-account-balances-shrink-in-2018-q4/) - The last quarter of 2018 has not been a kind one to retirement accounts, due to the market correction we went through. Things are starting to look up since then though. - [Amazon Breaks Earnings Records, Stock Gets Punished](https://www.marketreview.com/news/amazon-breaks-earnings-records-stock-gets-punished/) - The numbers for the last quarter for online retail giant Amazon is in, and the numbers are very impressive indeed. In spite of the company breaking all-time earnings records, the stock has dropped almost 5% in after-market trading. - [Facebook Stock Surges After Stellar Earnings Report](https://www.marketreview.com/news/fb-stock-surges-after-stellar-earnings-report/) - 2018 did bring a lot of controversy to Facebook, with many people being concerned the company may be going the wrong way financially. No one is wondering this today. - [Apple Revenue Declining, but Stock Moving Up](https://www.marketreview.com/news/apple-revenue-declining-but-stock-moving-up/) - Apple’s after-market earnings call did not paint a very rosy picture, and more disappointment is expected. How could its stock rise by 5% in after-market trading then? - [The Pitfalls of Preparing Your Own Tax Return](https://www.marketreview.com/news/the-pitfalls-of-preparing-your-own-tax-return/) - While we may think that paper returns are a thing of the past, millions still rely on this. Paper filers are 20 times more likely to make mistakes on their return though. - [Morgan Stanley Strategist Advises to Get Out of Stocks](https://www.marketreview.com/news/morgan-stanley-strategist-advises-to-get-out-of-stocks/) - While many investors are concerned that the current bull market may be over soon, Morgan Stanley’s Mike Wilson tells us that he has seen enough to get out now. - [Caterpillar Digs the Dow a Hole on Monday](https://www.marketreview.com/news/caterpillar-digs-the-dow-a-hole-on-monday/) - When Caterpillar misses its earnings projections by as much as they did today, hearing $2.55 per share and expecting $2.98 per share, investors are going to be concerned. - [U.K. Braces for No-Deal Brexit Aftermath](https://www.marketreview.com/news/uk-braces-for-no-deal-brexit-aftermath/) - With the March 29 deadline looming, and he U.K. and the European Union far from reaching an agreement, the unthinkable no-deal might actually happen. - [Markets Expect Fed to be Patient with Economy](https://www.marketreview.com/news/markets-expect-fed-to-be-patient-with-economy/) - With the next Federal Reserve Open Market Committee meeting set to begin on Tuesday, investors anxiously wait, not for a hike or not, but for more information. - [U.S. Government Shutdown Gets Temporary Reprieve](https://www.marketreview.com/news/us-government-shutdown-gets-temporary-reprieve/) - The longest U.S. government shutdown in history is finally over, for now anyway. Stock markets weren’t particularly bothered by this either way though as it turned out. - [Ray Dalio Warns of “Huge” Impact of 70% Tax Rate](https://www.marketreview.com/news/ray-dalio-warns-of-huge-impact-of-70-tax-rate/) - Alexandra Ocasio-Cortez sees herself as a real champion of the people. Raising tax rates is a double-edged sword though, and we need to be wary of the side of it facing us. - [Fund Manager Bill Miller’s Top Stock Picks for 2019](https://www.marketreview.com/news/bill-millers-top-stock-picks-for-2019/) - The majority of fund managers fail to beat the market, but some consistently do. Bill Miller is among them, and he shares with us his top 4 stock picks for the coming year. - [Mortgage Rates Expected to Rise in 2019](https://www.marketreview.com/news/mortgage-rates-expected-to-rise-in-2019/) - In spite of concerns about mortgage demand shrinking in 2019, we will probably see a rise in the 30-year fixed mortgage rate this year, even though it will be fairly modest. - [Earnings Results from Chip Manufacturers Spring Hope](https://www.marketreview.com/news/earnings-results-from-chip-manufacturers-spring-hope/) - Shares of semiconductor companies have been struggling lately amidst concerns of declining demand. Three of them reported positive quarterly results today though. - [IBM Stock Surges Ahead by Exceeding Expectations](https://www.marketreview.com/news/ibm-stock-surges-ahead-by-exceeding-expectations/) - While IBM reported a second consecutive quarter with drops in revenue, it’s really all about beating expectations, and IBM clearly did that, pushing its stock further up. - [Most Americans Unprepared for Loss of Income](https://www.marketreview.com/news/most-americans-unprepared-for-loss-of-income/) - One of the things that the current government shutdown has done is make even clearer just how unprepared many people are for any sort of economic difficulties. - [Three Major Indicators Suggest Recession Not Near](https://www.marketreview.com/news/three-major-indicators-suggest-recession-not-near/) - While many now fear that a major economic slowdown or even a recession may be on the horizon, the way to decide this is to actually look at the key economic data. - [Investing Legend Jack Bogle A Champion for the People](https://www.marketreview.com/news/investing-legend-jack-bogle-a-champion-for-the-people/) - When people think of legends in the investment world, Jack Bogle’s name doesn’t come up much, but it should. Bogle single-handedly changed the investing landscape forever. - [Decline of In-App Revenue Not a Concern for Apple](https://www.marketreview.com/news/decline-of-in-app-revenue-not-a-concern-for-apple/) - Apple’s stock has taken quite a beating lately, still down 30% from where it was in October. Revenues may be a concern, but not so much in-app revenue. - [China’s Problems Are Much Bigger than Just Trade Concerns](https://www.marketreview.com/news/chinas-problems-are-much-bigger-than-just-trade-concerns/) - In the backdrop of China’s slowing economy and concerns about trade with the U.S., there is a bigger problem out there, which is China’s mounting debt crisis. - [Share of Mortgages Among U.S. Banks Continues to Decline](https://www.marketreview.com/news/share-of-mortgages-among-us-banks-continues-to-decline/) - Big U.S. banks used to hold the lion’s share of mortgages, but competition from online lenders such as Quicken have narrowed profit margins and changed the landscape. - [China Considering Dramatically Increasing Imports from U.S.](https://www.marketreview.com/news/china-considering-dramatically-increasing-imports-from-u-s/) - The crux of the trade war between China and the United States has been the massive trade deficit between the two countries. China has now offered to fix this problem. - [Palladium Surpasses Gold for First Time in Years](https://www.marketreview.com/news/palladium-surpasses-gold-for-first-time-in-years/) - With palladium surging over the last 5 months, increasing in value by 40% over this relatively brief period, it has now surpassed gold in value and may go higher. - [Promising News on Trade Front Spurs Stock Markets](https://www.marketreview.com/news/promising-news-on-trade-front-spurs-stock-markets/) - Encouraging news emerges on both sides of the trade battle between the U.S. and China. China appears ready to talk, while the U.S. may be relenting a little on tariffs. - [Fund Giant BlackRock Feels Market is Rebounding](https://www.marketreview.com/news/blackrock-feels-market-is-rebounding/) - Larry Fink, BlackRock’s CEO, believes that the lows we saw in December may be the bottom, for now at least. He sees the current rebound as a vote of confidence. - [U.S. Stock Indexes Advance for Second Straight Day](https://www.marketreview.com/news/us-stock-indexes-advance-for-second-straight-day/) - Positive news from two large U.S. financial institutions served to offset some concerns in the sector from yesterday and further suggests we are in recovery mode. - [Crude Oil Rebounds Amidst Promising News from China](https://www.marketreview.com/news/crude-oil-rebounds-amidst-promising-news-from-china/) - Concerns about China’s massive economy slowing down is one of the factors weighing down the price of oil, but the Chinese government may be willing to help more. - [Brexit, China, and Netflix Weigh in on Wall St.](https://www.marketreview.com/news/brexit-china-netflix-weigh-in-on-wall-st/) - While some may have thought that the Brexit vote had real potential to move markets, it is the currency market and not the stock market that gets moved by these things. - [Is the Stock Market Really So Overvalued by Any Measure?](https://www.marketreview.com/news/is-stock-market-really-so-overvalued-by-any-measure/) - Whenever we are in a mature bull market, and we get indications that it may be over, it’s a given that valuations will be out of line. How much does this matter though? - [Bitcoin Holds on As Security Fears Intensify](https://www.marketreview.com/news/btc-holds-on-as-security-fears-intensify/) - Bitcoin has come down a lot from its highs, and is in the midst of a very significant correction. Some new security fears have emerged that will test it further. - [Study Shows Investors Make Poor Selling Decisions](https://www.marketreview.com/news/study-shows-investors-make-poor-selling-decisions/) - While it’s well known that individual investors struggle with selling, even professional fund managers significantly underperform random selections. - [Citi Analysis Suggests Bull Market Will Continue](https://www.marketreview.com/news/citi-analysis-suggests-bull-market-will-continue/) - With many fearing that we have entered into a bear market with stocks, perhaps indicating a time to exit or pull back, analysts at Citi provide reassurance. - [Managing Retirement Income in Today’s Low Rate Environment](https://www.marketreview.com/news/managing-retirement-income-in-todays-low-rate-environment/) - Investment advice has always been pretty crusty, and this definitely is the case with what we do after retirement. There’s too much on the line to be stuck in the past. - [Playing Defense in Today’s Uncertain Stock Markets](https://www.marketreview.com/news/playing-defense-in-todays-uncertain-stock-markets/) - People have been concerned for a while now about the risk of an upcoming pullback in stocks. There are good ways to protect yourself, but you have to actually take the reins. - [Broadridge Touted as Low Volatility Reveals a Great Deal](https://www.marketreview.com/news/broadridge-touted-as-low-volatility-reveals-a-great-deal/) - Broadridge Financial should be as stable of a company as they come. They make their money in both good and bad times. The company’s stock is far from stable though. - [William Sharpe Tackles Retirement’s Biggest Challenge](https://www.marketreview.com/news/william-sharpe-tackles-retirements-biggest-challenge/) - Nobel Prize winning economist William Sharpe is truly a legend in the economics of investing. Now 85 and retired, he is now focused on the issue of outliving your money. - [How to Use Dividend Stocks in a Hedged Portfolio](https://www.marketreview.com/news/how-to-use-dividend-stocks-in-a-hedged-portfolio/) - While we recently ran an article explaining why dividends never make sense, a lot of stocks offer them. We don’t want to just shun them, but they need to earn their keep. - [Canopy Growth Continues to Tank After Another Ugly Quarter](https://www.marketreview.com/news/canopy-growth-continues-to-tank-after-ugly-quarter/) - Canopy Growth, the world’s largest legal marajuana producing company, has been in freefall since firing their CEO earlier this year. The freefall continues to accelerate. - [Research Associates See Dismal Decade for Large Caps](https://www.marketreview.com/news/research-associates-see-dismal-decade-for-large-caps/) - When we look to predict the future, the assumptions we make will determine what the future will hold. Research Associates have used theirs to predict a dim outlook for large caps. - [Higher Bond Risk Starting to Come Home to Roost](https://www.marketreview.com/news/higher-bond-risk-starting-to-come-home-to-roost/) - Over the din of all the moaning and groaning about low treasury yields, we told our readers to be wary of the higher risk represented by this. This is now starting to kick in. - [Tax Rates Set to Become a Divisive Issue In 2020](https://www.marketreview.com/news/tax-rates-set-to-become-a-divisive-issue-in-2020/) - Democrats and Republicans traditionally disagree on matters of taxation, with Republicans preferring less of it and Democrats more. This divide may be bigger than ever now. ## Pages - [Welcome to MarketReview.com](https://www.marketreview.com/) - MarketReview.com provides the latest updates from stock markets & finance world. 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While we should never overborrow, personal loans can be valuable tools to enhance our enjoyment and even provide more prosperity. - [About MarketReview.com](https://www.marketreview.com/about/) - MarketReview.com brings you insights on all things financial from our team of experts, who have been chosen for their innovative thinking and approaches, making their top-shelf financial advice available to everyone. - [Car Loans](https://www.marketreview.com/car-loans/) - Buying a car is a major purchase to be sure. In spite of how much money usually gets laid out and borrowed, people don’t generally think very much about what they should be doing here. - [Refinancing Loans](https://www.marketreview.com/loans/refinance/) - We actually do generally have a choice when we refinance with a loan, between a line of credit and an installment loan. We’re almost always give installment loans by default, but, generally speaking, using a line of credit is preferable. - [Home Loans](https://www.marketreview.com/home-loans/) - There are quite a few things to think about when looking to get a home loan at some point, but the most important thing by far is just how beneficial to us home loans are. - [Reverse Mortgages](https://www.marketreview.com/reverse-mortgage/) - Reverse mortgages involve borrowers getting a lump sum up front without the need to pay it back or give up their home. This is an idea many people find appealing, although how we use the money ultimately decides the value of this. - [Portfolio Management](https://www.marketreview.com/portfolio-management/) - Portfolio management is much more than just deciding what percentage of your investments are in stocks and bonds, and then just holding them. It requires many more decisions than this. - [Investment Banks](https://www.marketreview.com/investment-banks/) - Investment banks are focused primarily on large institutional clients, providing such things as bringing new securities issues to market, as well as assisting them in achieving other financial objectives. - [Central Banks](https://www.marketreview.com/central-banks/) - While a lot of people don't really understand what central banks do, they do play a very important role in all of our lives, by creating and maintaining a framework of stability for the banking system and the economy. - [Retail Banks](https://www.marketreview.com/retail-banks/) - Retail banks are the backbone of the banking system, offering people and businesses a wide array of financial products, and serving a multitude of financial needs, all based upon trust. - [Fixed Income](https://www.marketreview.com/fixed-income/) - Fixed income investments, primarily bonds, provide many investors with a reliable income stream to manage their retirement years. They are not just useful in retirement though. - [Bonds](https://www.marketreview.com/bonds/) - Bonds are financial instruments where investors buy and sell debt obligations of corporations and governments, with the intention of making a profit on the repayment of the debt. - [IPO](https://www.marketreview.com/ipo/) - When a company's shares first hit the open market, called IPOs, this can generate a lot of excitement among investors, especially if the company is well known. Caution must be exercised here though. - [Commodities](https://www.marketreview.com/commodities/) - Commodities are items of value which are exchanged on financial markets, usually through futures contracts. It is not necessary to ever take possession of a commodity to trade it though. - [401(k)](https://www.marketreview.com/retirement/401k/) - 401(k) plans provide employees with some very significant benefits, including their employer matching their contributions, as well as potentially saving money on tax and getting even more investment income. - [IRA](https://www.marketreview.com/retirement/ira/) - Individual Retirement Accounts, or IRAs, provide US residents a great way to save up for retirement while looking to realize tax savings, either paying less tax on contributions, or on money earned from investments. - [Real Estate](https://www.marketreview.com/real-estate/) - Investing in real estate is usually the biggest investment people make. Real estate investing is also perhaps the soundest, especially when buying your own home and reaping all the benefits. - [Mortgages](https://www.marketreview.com/mortgage/) - Owning one's home is usually the biggest investment people will ever make, and it's one that money needs to be borrowed to achieve almost always. Mortgages can be a great benefit though. - [Insurance](https://www.marketreview.com/insurance/) - Purchasing insurance to protect us against unacceptable risks is a key component of personal financial management and planning. It is very often well worth purchasing coverage. - [Taxation](https://www.marketreview.com/taxation/) - Looking to minimize the amount of tax that we pay is certainly an important element of our overall investment plan. It is only one element though in the overall goal of maximizing our net investment gains. - [Ethereum](https://www.marketreview.com/ethereum/) - Ethereum is the second largest cryptocurrency in the world now. Its main purpose though isn't just to function as a general currency, as Ethereum has the potential for so much more. - [Bitcoin](https://www.marketreview.com/bitcoin/) - Bitcoin is the dominant player in the world of cybercurrency or digital currency. It serves as an alternative to traditional currency, it just isn't popular enough yet to contend very much. - [Cryptocurrency](https://www.marketreview.com/cryptocurrency/) - Cryptocurrency, most notably Bitcoin, is a new form of money that is outside the control of governments, money by and for the people so to speak. It has really started to grow in popularity. - [Futures](https://www.marketreview.com/futures/) - The futures market involves agreements to buy and cell certain assets at a future agreed upon price and quantity. The futures market can also be a great way to speculate and profit. - [Derivatives](https://www.marketreview.com/derivatives/) - Very often people will invest in assets, but there is a type of investing that does not involve trading in assets at all, but financial instruments based upon the direction of these assets, called derivatives. - [Options](https://www.marketreview.com/options/) - Options can provide investors and traders with a great way to limit the risk of their current positions, or they can be a way to add a lot more risk to them. Both of these can be viable strategies though. - [Hedge Funds](https://www.marketreview.com/hedge-funds/) - What do you get when you combine the pooled assets of a mutual fund with no holds barred trading, managed by the best minds in the business? These are called hedge funds. - [Silver](https://www.marketreview.com/silver/) - Silver and money are so closely tied that in several languages, the word for money is actually silver. Silver has been used in trade and investment for over 2600 years now and is still very prominent. - [Time Horizons with Investing](https://www.marketreview.com/time-horizons-with-investing/) - We very often think of investments as needing to be held for a certain amount of time, usually a pretty long one. We can’t subjugate the performance of our investments to how long we may wish to hold them though. - [Mutual Funds](https://www.marketreview.com/mutual-funds/) - Mutual funds manage trillions of investors money and are a hugely popular investment vehicle. They pool the resources of many investors, and offer them some real economies of scale. - [ETFs](https://www.marketreview.com/etf/) - Exchange traded funds, or ETFs, are a combination of mutual funds and stock trading, and many feel that these instruments are the best of both types of instruments. - [Gold](https://www.marketreview.com/gold/) - Gold has been around as means of storing wealth for just about all of human history. Its popularity has not waned at any point, and gold accounts for a huge volume of wealth trading hands today. - [Bullion](https://www.marketreview.com/bullion/) - The primary form of investment grade precious metals is in the form of bullion, which are highly purified bars of the metal. One may also buy and sell bullion coins, which are also of a specified purity. - [Banking](https://www.marketreview.com/banking/) - Banks are an indispensable part of the financial world these days. They offer people the ability to easily conduct transactions, pay them interest for their money, and also lend to them. - [Trading](https://www.marketreview.com/trading/) - The two goals of holding securities are to seek profit and to do so in a safe enough manner. The goals of trading are to seek to optimize both of these criteria to lead to superior results. - [Forex](https://www.marketreview.com/forex/) - The forex market is the biggest market in the world by far. Traders buy and sell different currencies, with the expectation to make a profit. Forex trading can be plenty profitable indeed. - [Personal Finance](https://www.marketreview.com/personal-finance/) - How we manage our day to day affairs may not be the most exciting aspect of managing one's personal finances, but it is definitely one of the most important ones. - [Stocks](https://www.marketreview.com/stocks/) - When most people think of investing, they think of stocks and the stock market. There's far more to investing, but the stock market is indeed fundamentally important. - [Investing](https://www.marketreview.com/investing/) - Financial investing involves the acquisition of financial instruments to be traded later at a profit. Here we discuss the many different types of instruments that are traded. - [Car Insurance](https://www.marketreview.com/insurance/auto/) - Car insurance is something that affects everyone who travels on our roadways, especially those who operate vehicles and have the potential for liability should a mishap occur that they are blamed for. - [Health Insurance](https://www.marketreview.com/insurance/health/) - There may not be any insurance as important as health insurance, as one's well being or even one's life may depend on being protected properly. Having the right coverage is not so simple though. - [Life Insurance](https://www.marketreview.com/insurance/life/) - Insurance is used to manage risk, and one of the biggest risks is that an earner from a family will die, and they will lose that income stream. Life insurance provides protection against this as well as peace of mind. - [Cardano](https://www.marketreview.com/cardano/) - Cardano is in some ways an attempt to build a better mousetrap, taking what Ethereum has done and looking to expand on it. Cardano does offer a lot of potential for novel uses of this technology. - [Dash](https://www.marketreview.com/dash/) - Dash is among the top 5 most popular cryptocurrencies in the world. Its main function is to be able to send money with total anonymity, but it's also become quite an investment vehicle as well lately. - [Hedge Funds vs. Investing on Your Own](https://www.marketreview.com/hedge-funds-vs-investing-on-your-own/) - Investing on one’s own can seem tempting to a lot of people, and this can be done successfully, but we can’t underestimate the challenge. Hedge funds are often a good alternative to this. - [Hedge Funds and Overregulation](https://www.marketreview.com/hedge-funds-and-overregulation/) - The goal of regulation is a singular one, to protect us. Seeking to keep us informed is a necessary goal, but when regulation seeks to protect us from risk by preventing us from lowering it, something is wrong. - [Limitations of Hedge Funds](https://www.marketreview.com/hedge-funds/limitations/) - While hedge funds have several very important advantages over mutual funds, they are just as limited by their sheer size. Hedge funds also need to avoid the temptation of taking on too much risk. - [Hedge Funds Actually Do Hedge](https://www.marketreview.com/hedge-funds-actually-do-hedge/) - Many people feel that hedge funds are misnamed, because the primary goal isn't to hedge but to profit more. Hedge funds do hedge though, but we need to understand what hedging is. - [Hedge Funds vs. Mutual Funds](https://www.marketreview.com/hedge-funds-vs-mutual-funds/) - Mutual funds and hedge funds do share some similar traits, but hedge funds approach investing much more like a skilled trader would, not just being limited to the long side of stocks and bonds. - [Selecting a Hedge Fund](https://www.marketreview.com/selecting-a-hedge-fund/) - Selecting a hedge fund from among the thousands of possible choices can be a difficult task indeed. The best approach is to focus on a few key elements that have some funds standing out. - [Types of Hedge Funds](https://www.marketreview.com/types-of-hedge-funds/) - Hedge funds come in three main types, market neutral funds, long-short funds, and event driven funds. Each have their plusses and minuses. We can also choose funds which incorporate all of them. - [How the Compensation Model Affects Hedge Funds](https://www.marketreview.com/how-the-compensation-model-affects-hedge-funds/) - People look at how much money that some hedge funds make and the percentage of investor returns that they keep for themselves and become concerned. For the most part this is misplaced. - [How Hedge Funds Increase Returns](https://www.marketreview.com/how-hedge-funds-increase-returns/) - One of the hallmarks of hedge funds is their ability to increase returns for investors beyond what could be achieved with other funds. Hedge funds do enjoy some significant advantages here. - [How Hedge Funds Reduce Risk](https://www.marketreview.com/how-hedge-funds-reduce-risk/) - Many think hedge funds take on more and not less risk, but their primary directive is actually to hedge and lower risk while shooting for higher returns. The two can go together quite well. - [How Insurance Companies Make Money](https://www.marketreview.com/how-insurance-companies-make-money/) - Insurance companies profit by making what is not manageable and turning it into something that is easily manageable, using economies of scale. They only need a small margin of profit to do this effectively. - [How Insurance Premiums Are Calculated](https://www.marketreview.com/how-insurance-premiums-are-calculated/) - People sometimes get annoyed at having to answer so many questions just to get a quote from an insurance company for something. All this is necessary though to make sure your insurance is priced properly. - [Why Get Insurance?](https://www.marketreview.com/why-get-insurance/) - Insurance plays a huge role in our lives, and we often spend a fair bit of our income on it. It is therefore important to develop a sufficient understanding of insurance so that we can make the choices right for us. - [How Insurance Works](https://www.marketreview.com/how-insurance-works/) - Insurance offers protection against losses due to specific events by pooling these risks among a very large population. Therefore the risks can be managed and people can obtain protection at a fair price. - [Binary Options Versus Trading Other Securities](https://www.marketreview.com/binary-options-vs-trading-other-securities/) - There are plusses and minuses to binary options trading versus other forms of trading. The ability to start small, if offered, and only having to worry about one side of trading can be a real advantage. - [Binary Options Versus Standard Options](https://www.marketreview.com/binary-options-vs-standard-options/) - Binary options aren’t even options, they are just a take on options that allows us to decide everything we need to decide before placing the trade. This makes our trades much easier to manage than with other types. - [Benefits of Binary Options Trading](https://www.marketreview.com/benefits-of-binary-options-trading/) - Binary options trading offers a number of benefits, with the biggest one by far being our being able to enter trades and forget about them, with no further action ever required on our part. - [Challenges of Trading Binary Options](https://www.marketreview.com/challenges-of-trading-binary-options/) - Binary options trading may be the easiest form of trading out there, but it is certainly not without its challenges. We’re going to still need to figure out how markets move and that takes real time and effort. - [Risk Management with Binary Options](https://www.marketreview.com/risk-management-with-binary-options/) - Managing risk is central and essential to any form of trading. Binary options trading allows for risk to be managed much simpler and easier than other forms of trading, but this still requires our attention. - [Trading Momentum with Binary Options](https://www.marketreview.com/trading-momentum-with-binary-options/) - Trading binary options involves deciding what direction the asset is moving in and whether it will move enough for us to cash in on the move. This all requires us to become very familiar with how prices move. - [Preparing to Trade Binary Options](https://www.marketreview.com/preparing-to-trade-binary-options/) - Few new binary options traders come to the game prepared or have much of an idea of what it takes to be successful trading binary options. The right preparation makes all the difference here though. - [Selecting a Binary Options Broker](https://www.marketreview.com/selecting-a-binary-options-broker/) - There are several things to consider when deciding between online brokers, and this is something that we need to be prepared to put some real thought and effort into. Our money is on the line here. - [Who Binary Options Appeal To](https://www.marketreview.com/who-binary-options-appeal-to/) - A lot of people like to wager on things, and wagering is very popular in modern society. Binary options provide people the means to wager while offering the potential to make money from this long term. - [How Binary Options Work](https://www.marketreview.com/how-binary-options-work/) - Binary options has taken the art of trading, which normally is pretty complicated, and simplified things enough that makes it very appealing to a lot of people who would not normally get into trading. - [Getting Properly Experienced to Trade](https://www.marketreview.com/getting-properly-experienced-to-trade/) - Becoming a good trader, even becoming a profitable one, does require a good amount of experience at least. Many new traders think that they can just step in and do well, but this is very rarely the case. - [Trading with Candlesticks and Price Movement](https://www.marketreview.com/trading-with-candlesticks-and-price-movement/) - Many traders choose to have one or more indicators on their charts in addition to their price bars, and some prefer to just use the price bars to decide. It’s possible to trade well with either, provided one has a good plan. - [Trading with Indicators](https://www.marketreview.com/trading-with-indicators/) - Indicators can be very useful in managing price data on a chart, making sense of what may otherwise look like random movements. Becoming proficient with indicators takes time and effort and considerable thought. - [Getting Properly Educated to Trade](https://www.marketreview.com/getting-properly-educated-to-trade/) - There is a lot to learn to become a good trader, much more than traders believe when they start out in the profession. If one can learn to master charts and also learn to master oneself, success is possible. - [The Nature of Short Term Trading Markets](https://www.marketreview.com/nature-of-short-term-trading-markets/) - In spite of what many people think, shorter term trading offers greater potential for profit as well as better risk management. When practiced well, you can both make more money and make it more safely. - [Different Time Frames of Trading](https://www.marketreview.com/time-frames-of-trading/) - One of the biggest decisions facing traders is the time frame that one will be trading in. Often times, one is limited here by practical considerations, but regardless, good traders can succeed in any time frame. - [Basic Money Management in Trading](https://www.marketreview.com/money-management-in-trading/) - Proper money management is extremely important in trading, and poor money management is by far the biggest reason why so many traders struggle and fail. Failing to properly manage risk is not an option. - [The Fundamentals of Trading](https://www.marketreview.com/fundamentals-of-trading/) - Trading is essentially looking to time markets dynamically, adjusting to the performance of the trade as its momentum shifts. The degree that one is able to do this effectively is what determines one’s success. - [Trading with a Plan](https://www.marketreview.com/trading-with-a-plan/) - Trading is the art and science of looking to time markets in various time frames. In order to accomplish this, we are going to need a good plan, one that successfully takes the information we have and benefits from it. - [The Goals of Trading](https://www.marketreview.com/goals-of-trading/) - The goals of trading are to seek to achieve as much trading profit as one can while doing so with a certain margin of safety to protect oneself from risk. There’s also the matter of being able to put the plan into action. - [Taxation and Survivorship](https://www.marketreview.com/taxation-and-survivorship/) - While governments do seek to tax the transfer of our wealth upon our death through estate taxes, there are ways to look to minimize the impact of these taxes, resulting in our transferring more wealth. - [Taxation After Your Career Ends](https://www.marketreview.com/taxation-after-your-career-ends/) - Unlike when we’re working, we often get to choose our tax rates somewhat after we retire, especially if we have a lot of tax deferred savings. We are better prepared by being more aware. - [Taxation During Your Career](https://www.marketreview.com/taxation-during-your-career/) - Paying taxes is simply a part of life, and there is a certain amount that is simply unavoidable. There may be situations where we can reduce our tax burden, but we should only do so when we truly benefit. - [Choosing Tax Jurisdictions](https://www.marketreview.com/choosing-tax-jurisdictions/) - Different areas and countries have different tax rates, and people will sometimes consider moving to ones that are more tax friendly. It is very important to be well prepared for this though. - [Forms of Taxation](https://www.marketreview.com/forms-of-taxation/) - People tend to pay a significant portion of their earnings to governments by way of taxation, and governments have several ways that they collect it. We can’t do a whole lot to avoid most of this. - [Deferring Taxation with Retirement Accounts](https://www.marketreview.com/deferring-taxation-with-retirement-accounts/) - Retirement accounts have the dual goal of saving for retirement and deferring tax payable. Deferring tax until much later may end up having us pay a lower tax rate, but that’s just one benefit of this. - [Balancing Taxation with Investment Returns](https://www.marketreview.com/balancing-taxation-with-investment-returns/) - As important as tax considerations are, we should never let them guide us without placing them in the perspective of how a given strategy will manage both net returns along with the risks involved. - [Avoiding Taxation on Investment Income](https://www.marketreview.com/avoiding-taxation-on-investment-income/) - While we often should focus on putting our retirement savings in retirement accounts that defer the tax of the principal, accounts that avoid paying tax on investment income certainly have their place. - [Deferring Taxation on Capital Gains](https://www.marketreview.com/deferring-taxation-on-capital-gains/) - There are various ways to reduce your overall tax liability with your investment portfolio, and one of them is to defer capital gains until you are in a lower tax bracket, which can result in tax savings. - [Taxation & Different Asset Classes](https://www.marketreview.com/taxation-and-different-asset-classes/) - The profits that we make from our investments may be taxed differently, at different rates, depending on the type of investment. This is a consideration, although just one, in choosing our investment mix. - [Managing Your Investment Risk](https://www.marketreview.com/managing-your-investment-risk/) - We normally think of not bothering to manage risk as managing it, and managing risk as somehow being riskier than not bothering. This is all incorrect, but we have to understand why. - [Benefiting from Bear Markets](https://www.marketreview.com/benefiting-from-bear-markets/) - If we want to improve our returns over the market, we’re going to need to time the market to be long at certain times and not be long at other times. If we can do this, we can also profit when things go down. - [Learning to Manage Your Investments](https://www.marketreview.com/learning-to-manage-your-investments/) - If we want to become a better investor, we must learn to do so, and this is not by any means innate. However, if we are willing to apply ourselves in the right way, this is all very achievable. - [Becoming a Better Investor](https://www.marketreview.com/becoming-a-better-investor/) - While most investors do not have any desire to get better or even to take any sort of active role in their investments, if we are indeed seeking to become better investors, we need to have the courage to participate. - [Being in the Right Investments](https://www.marketreview.com/being-in-the-right-investments/) - We most often speak of being in the right investments as selecting the right ones to invest in. When we hold these investments is much more important than what we hold though. - [Assessing One's Investment Abilities](https://www.marketreview.com/assessing-ones-investment-abilities/) - Certain types of investing, such as managing mutual funds, can be very hard. Managing one’s own portfolio need not be so hard though, provided one has a minimal amount of talent and dedication to success. - [Balancing Types of Investments](https://www.marketreview.com/balancing-types-of-investments/) - Balancing one’s portfolio is traditionally seen as what percentage of your portfolio is in the different asset classes. This approach does not adapt to changing conditions, and these changing conditions do matter. - [Assessing Risk Appetite](https://www.marketreview.com/assessing-risk-appetite/) - We usually view risk appetite as defining what sort of investments we should not be making. The correct approach to this as far as managing risk goes is instead deciding how much we are comfortable losing. - [Deciding on Investment Objectives](https://www.marketreview.com/deciding-on-investment-objectives/) - We usually think of investment objectives as what an investor may be satisfied with, or more often, what one should be satisfied with. The only sensible objective is to seek maximization though. - [Determining Desired Investment Time Frames](https://www.marketreview.com/determining-investment-time-frames/) - We often understand investment time frames and investment horizons as being one in the same, but they are two distinct things. It’s not always the case that we want to just hold investments until we need them. - [Managing Your Mortgage](https://www.marketreview.com/managing-your-mortgage/) - Proper management of our mortgage requires planning, and the biggest part of this plan is making sure that we aren’t seeking to pay too much on our mortgage and not enough on other debt. - [Paying Off Mortgages vs. Investing](https://www.marketreview.com/paying-off-mortgages-vs-investing/) - For most investors, who don’t even want to pay attention to their investments, paying down their mortgage instead is a better idea. Investing the money can be better, but only if we know what we are doing. - [Mortgage Features](https://www.marketreview.com/mortgage-features/) - While mortgage rates are certainly important, deciding on a lender involves more than just comparing rates. There are a number of other features that need to be taken into consideration as well. - [Using Mortgages to Pay Down Other Debt](https://www.marketreview.com/using-mortgages-to-pay-down-other-debt/) - Restructuring your debt by adding some or all of it to your mortgage can be a fabulous way to get back on track. It's still best to try to avoid the need to do this though, and if you do have to, to look to avoid this need arising again. - [Paying Down Your Mortgage](https://www.marketreview.com/paying-down-your-mortgage/) - Paying down your mortgage faster is something that most people who have a mortgage desire. It is important to take all factors into account before doing this though to ensure this doesn't result in more interest being paid rather than less. - [Purchasing a Home with a Mortgage](https://www.marketreview.com/purchasing-home-with-mortgage/) - For most people, if they want to purchase a home, which they should be wanting, there is no other good way to do it other than to get a mortgage. While mortgages involve borrowing a lot of money, they make a lot of sense. - [Getting Approved for a Mortgage](https://www.marketreview.com/mortgage/getting-approved/) - Getting a mortgage is a major life event, whether or not you're looking to purchase a home or are refinancing the mortgage on your current home. It is helpful to have a good idea of how these approvals work. - [Deciding on Mortgage Options](https://www.marketreview.com/deciding-on-mortgage-options/) - There are several options that may be chosen when one selects a mortgage. It's important to be aware and preferably well versed on all of them, because you can't count on the lender to provide the best advice. - [Credit Cards as a Means of Borrowing](https://www.marketreview.com/credit-cards-as-a-means-of-borrowing/) - All credit card usage involves borrowing. If you only borrow in the short term, this borrowing can even be beneficial. Borrowing long term, especially at high interest rates, needs to be approached with caution though. - [Credit Cards as a Means of Payment](https://www.marketreview.com/credit-cards-as-a-means-of-payment/) - Credit cards are a very popular form of payment, and now constitute about a third of all payment transactions. It is important to at least have a basic understanding of how they work to get the most out of them. - [How Credit Cards Affect Your Credit Score](https://www.marketreview.com/how-credit-cards-affect-your-credit-score/) - How credit card management can affect your credit score is something that not a lot of people properly understand. If your credit score matters to you though, you need to know this stuff. - [Different Types of Credit Cards](https://www.marketreview.com/different-types-of-credit-cards/) - There are a lot of different options when it comes to deciding between different forms of credit cards. In the end, it comes down to what your purposes are and what sort of value you are looking to get out of them. - [Proper Credit Card Management](https://www.marketreview.com/credit-cards/proper-management/) - Many people use credit cards properly, where properly here means that the credit cards serve to enhance their lives overall. Some just use them for temporary enhancements though, which is often a bad idea. - [How Credit Cards Work](https://www.marketreview.com/how-credit-cards-work/) - Credit cards are a fairly new phenomenon, starting in the second half of the 20th century, and their popularity has exploded since then. They can be a great way to pay for things, provided they are used responsibly. - [The Risks of Credit Cards](https://www.marketreview.com/credit-cards/risks/) - Many people get into all sorts of trouble with credit cards, involving buying things they shouldn't be buying, paying way too much interest for their purchases, and even causing financial disaster to themselves. - [Benefits of Credit Cards](https://www.marketreview.com/credit-cards/benefits/) - Using credit cards to make purchases is an extremely popular payment method. There are several good reasons to use credit cards over other payment methods, but they must be used with care. - [Ethereum’s Future](https://www.marketreview.com/eth-future/) - While the newness and novelty of ethereum may have us wondering about its longer-term prospects, it likely will be around for a long time. How it performs though is still a very open question. - [Balancing Ethereum in Investment Portfolios](https://www.marketreview.com/balancing-eth-in-investment-portfolios/) - Whether we should consider adding an asset like ethereum to our investment portfolios will depend on whether we’re prepared and willing to manage the added risk that is involved in this. - [Ethereum vs. Bitcoin](https://www.marketreview.com/eth-vs-btc/) - Bitcoin is the world’s most popular digital currency by far, followed by ethereum. In comparing the two, we really need to look at market demand which is what really drives their prices. - [Ethereum vs. Gold](https://www.marketreview.com/eth-vs-gold/) - Ethereum and gold do have quite a few things in common, for instance both derive their value from their market capitalization. Gold has more history though, but ethereum has more potential. - [Longer Term Speculation on Ethereum](https://www.marketreview.com/longer-term-speculation-on-eth/) - Investing in something longer term, such as stocks or real estate, that have good long-term prospects can be a fairly easy venture. With something as volatile as ethereum, this is a lot more challenging. - [Ethereum as a Store of Wealth](https://www.marketreview.com/eth-as-a-store-of-wealth/) - There has been a lot of value placed in Ethereum, about a $100 billion right now, but this is not an asset you can just buy and forget. There may be nothing more unsuited to that in fact. - [How Ethereum Rose So Much in Value](https://www.marketreview.com/how-eth-rose-so-much-in-value/) - While many speak of the massive ascent of Bitcoin, Ethereum’s rise has turned out to be even more impressive. Beliefs drive prices in financial markets, and Ethereum’s beliefs have simply been massive. - [Trading Ethereum](https://www.marketreview.com/trading-ethereum/) - A lot of people have chosen to speculate on Ethereum, and have pumped $100 billion into it lately. As the Ethereum market evolves, it becomes more and more important to know what you are doing. - [Ethereum as a Means of Trade](https://www.marketreview.com/eth-as-a-means-of-trade/) - Ethereum, and its digital currency Ether, was never really intended to serve as general purpose money. However, many may envision it this way, but there are many challenges to this. - [What Makes Ethereum Different?](https://www.marketreview.com/what-makes-eth-different/) - Ethereum is the second most popular digital currency in the world, but it is so much more than a currency. Ethereum has the potential to make far greater changes in our lives than just how we pay for things. - [Bitcoin’s Prospects as an Economic Ecosystem](https://www.marketreview.com/bitcoins-prospects-as-an-economic-ecosystem/) - In order for bitcoin to really make a dent in the currency market, we’d need to be able to both receive and spend our money in bitcoin. This is a huge challenge though and one we may never see. - [Bitcoin as a Hedge Against Inflation](https://www.marketreview.com/bitcoin-as-hedge-against-inflation/) - When inflation is running higher, we do need to pay attention to looking to hedge against this inflation. Bitcoin is not particularly suited to this, although in some circumstances it is. - [Bitcoin’s Likely Move Towards More Stability](https://www.marketreview.com/bitcoins-likely-move-towards-stability/) - Bitcoin grew in fame and popularity probably far more than its designers ever imagined, and if anything, became too popular and too volatile. Time has a way of settling things down more though. - [Trading Risk with Bitcoin](https://www.marketreview.com/trading-risk-with-bitcoin/) - Bitcoin is very famous for being extremely volatile, and although this is less the case now than back when it was moving wildly, this volatility must still be well respected, to keep our level of risk acceptable. - [Currency Risk with Bitcoin](https://www.marketreview.com/currency-risk-with-bitcoin/) - The biggest impediment that bitcoin faces in its move toward being much more widely accepted is the very high amount of currency risk it has. As this reduces over time, bitcoin’s prospects become brighter. - [The Longer-Term Outlook for Bitcoin](https://www.marketreview.com/bitcoin/longer-term-outlook/) - Bitcoin is not likely to make any great strides as a currency in the near future, due to its limitations. It’s value as an asset knows few limitations though, and this part of Bitcoin is very uncertain. - [Speculating on Bitcoin](https://www.marketreview.com/speculating-on-bitcoin/) - peculating on Bitcoin is certainly not for the faint of heart, as it is many times more volatile than traditional investments. The potential for rewards as well as the risks are much higher, and this requires a lot more care. - [Bitcoin and Regulation](https://www.marketreview.com/bitcoin-and-regulation/) - Bitcoin was born out of a concept of complete decentralization and pure market regulation, being a currency completely outside the control of governments. Governments always try to have their say though. - [Bitcoin as a Currency](https://www.marketreview.com/bitcoin-as-a-currency/) - The initial goal of Bitcoin was to seek to replace, in part anyway, the use of fiat currency to make payments. This still remains an element to some degree, but has been overwhelmed by its use as an investment. - [The Recent Bitcoin Craze](https://www.marketreview.com/the-recent-bitcoin-craze/) - Originally designed as a form of currency, and still viewed that way by many, Bitcoin has been transformed into more of a commodity. It has shown immense volatility, and these risks must be managed properly. - [Becoming a Successful CFD Trader](https://www.marketreview.com/becoming-a-successful-cfd-trader/) - One can become successful and even very successful trading CFDs, but only if one is patient enough and dedicated enough to be able to figure out things out enough to get there. - [Hedging with CFDs](https://www.marketreview.com/hedging-with-cfds/) - We often think of hedging as adding positions in bonds or gold to offset risks of stocks. With CFD trading, proper hedging is essential, especially using cash to hedge against what can otherwise be huge risks. - [Potential Concerns with CFDs](https://www.marketreview.com/potential-concerns-with-cfds/) - CFD trading has been described as too risky by some, and many people think it’s just pure gambling. All financial trading involves essentially placing bets though. Higher risk means more attention to it is required. - [Managing Risk with CFDs](https://www.marketreview.com/managing-risk-with-cfds/) - CFD trading is most famous for the purported much higher risk involved. CFDs can be very high risk, even ridiculously high, when we don’t manage these risks. These risks can be well managed though. - [Choosing Assets to Trade with CFDs](https://www.marketreview.com/choosing-assets-to-trade-with-cfds/) - There are a lot of things that one may trade with CFDs, including forex, commodities, stocks, treasuries, and more. Finding the best assets to trade requires knowing what we are looking for. - [Designing a Trading Plan with CFDs](https://www.marketreview.com/designing-a-trading-plan-with-cfds/) - The most important part of a trading plan is planning to be around for the plan to be allowed to evolve. We then look to evolve it by coming up with ideas and testing them and adjusting as needed. - [The Power of Leverage with CFDs](https://www.marketreview.com/power-of-leverage-with-cfds/) - The most exciting thing about CFD trading, by far, is the massive amount of leverage that you can use with it. This can leave investors or other traders in the dust, or run you over instead. - [CFD Brokers and Regulation](https://www.marketreview.com/cfd/brokers-and-regulation/) - While choosing a good broker is important enough generally, it is even more important to choose a CFD broker well. What they charge can differ widely, in addition to several other considerations. - [Getting Started with CFD Trading](https://www.marketreview.com/cfd/getting-started/) - Most people enter CFD trading with some lofty ideas and goals. This in itself is a healthy thing, but we need to realize that we usually think this all will be far easier than it turns out to be. - [The Flexibility of CFDs](https://www.marketreview.com/flexibility-of-cfds/) - There are many limitations imposed by markets and brokers on what kind of trading you can do and what you can trade. CFD trading serves to remove these limitations and allows you to trade as you desire. - [The Need for Timing with Platinum](https://www.marketreview.com/the-need-for-timing-with-platinum/) - While we can get away with not timing some investments such as stocks, with platinum, there really isn’t any other good way to manage things. If you don’t like timing, you shouldn’t invest in platinum. - [Issues with Platinum as a Hedge](https://www.marketreview.com/issues-with-platinum-as-a-hedge/) - Platinum and other precious metals are often used as hedges to look to limit the risk of our stock positions. Depending on the approach we use here, this can make a lot of sense or no sense at all. - [Platinum vs. Gold](https://www.marketreview.com/platinum-vs-gold/) - While gold is more popular than platinum by far, the platinum market is also well developed and offers some very good opportunities at times as well, provided we can manage these opportunities well enough. - [Issues with Platinum Longer Term](https://www.marketreview.com/issues-with-platinum-longer-term/) - Platinum investing does offer some good opportunities to achieve good rates of return while not exposing ourselves to excessive risk, but this requires that we go beyond just holding it long term though. - [Platinum Exchange Traded Funds](https://www.marketreview.com/platinum/etfs/) - Investing in platinum can be a pretty costly affair, where investors need to see very significant gains in the value of their investment to even break even. Platinum ETFs very nicely solve this problem. - [Platinum Contracts for Difference](https://www.marketreview.com/platinum-contracts-for-difference/) - Some see platinum contracts for difference as pure gambling, and this is as close as one gets to that. All speculation is gambling though essentially, although CFDs allow you to really raise the stakes. - [Platinum Futures](https://www.marketreview.com/platinum/futures/) - Many people speculate on price fluctuations of platinum, over various time frames. Trading futures trading can greatly amplify the potential profit of these trades, as well as greatly amplify the risk if one is not careful. - [Buying Platinum Bars and Coins](https://www.marketreview.com/buying-platinum-bars-and-coins/) - Platinum bars and coins are offered for sale by dealers, at a significant markup over the platinum market price. Many people buy them, but we need to make sure that the extra costs are really worth it to us. - [Reasons to Invest in Platinum](https://www.marketreview.com/reasons-to-invest-in-platinum/) - Platinum is a fairly new precious metal on the scene, only being on the markets for about 40 years. It is several times rarer than gold and of a similar value generally, and has become quite popular in recent years. - [Real Estate vs. Other Long-Term Investments](https://www.marketreview.com/real-estate-vs-other-long-term-investments/) - Nothing compares to home ownership when it comes to investing, but this does not mean that all real estate investing beats other forms. Real estate investing overall though is still worth a look. - [Real Estate Risks](https://www.marketreview.com/real-estate-risks/) - The real risk of real estate ownership is when you incur a loss due to dropping property valuations, and you need to sell and realize this loss. This is something that simply needs to be avoided. - [Real Estate and Leverage](https://www.marketreview.com/real-estate-and-leverage/) - Only needing to put down a small percentage of the purchase price when we buy real estate is certainly a huge benefit. There are risks involved with this though that we need to be sufficiently aware of. - [Real Estate Valuation](https://www.marketreview.com/real-estate-valuation/) - While some people think that the value of real estate only really matters when one is looking to buy and sell it, real estate valuation matters throughout the life of property ownership. - [Real Estate Speculation](https://www.marketreview.com/real-estate-speculation/) - Quite a few people end up wanting to speculate on real estate, whether this be long term or very short term. Short term speculating is very much in vogue, but we need to be prepared and need to be careful. - [Real Estate Securities](https://www.marketreview.com/real-estate-securities/) - Real estate securities provide most of the benefits of real estate ownership without many of the risks and drawbacks. They tend to be more stable than most other stocks. - [Real Estate Trading](https://www.marketreview.com/real-estate-trading/) - Real estate trading has become a popular way for people to make extra money. Success at this does require a lot more than just paying someone for a course though. - [Rental Properties](https://www.marketreview.com/rental-properties/) - Many people own additional properties which they rent out to people, with a view of making money. It's not so much the income that is the main benefit though, it's the wealth that this builds up over time. - [Personal Real Estate](https://www.marketreview.com/personal-real-estate/) - Just about everyone must either own their own home or rent one. While there are cases where renting may make sense, they aren't that common, and it's almost always much better to own one's own home. - [The Real Estate Market](https://www.marketreview.com/real-estate-market/) - The real estate market is a very stable one, which offers people very nice returns on their investment over time. There are a number of considerations that must be accounted for with real estate investments though. - [Trading in Silver](https://www.marketreview.com/trading-in-silver/) - The nature of silver requires that we all approach it from the perspective of a trader, where we’re looking to make our silver holdings more efficient by timing our entries and exits with it more properly. - [Silver vs. Bonds](https://www.marketreview.com/silver-vs-bonds/) - Silver and bonds are both used to diversify stock holdings, but that’s about all they have in common. They are very different types of investments, and both have their place, but only at the right times. - [Long Term Investing in Silver](https://www.marketreview.com/long-term-investing-in-silver/) - Most people investing silver rather blindly, buying it for a number of reasons but managing to ignore the ones that are most important, where it has been and where it is most likely to go during our time frame. - [Silver vs. Stocks](https://www.marketreview.com/silver-vs-stocks/) - Stocks provide much better returns over time than silver does, at lower risk. While this means that stocks are better generally, there are times where silver is a much better choice. - [Silver vs. Gold](https://www.marketreview.com/silver-vs-gold/) - Silver and gold differ in many ways, as the gold market is much bigger and does attract a lot more attention. This doesn’t mean that we should ignore silver though, and both are worth considering. - [Silver Futures](https://www.marketreview.com/silver/futures/) - Trading silver futures allows traders to greatly leverage their positions with silver, where you can control about 14 times more silver than the money you put up on deposit for it. - [The Silver Market](https://www.marketreview.com/silver/market/) - The silver market may not seem that large if we just look at how much physical silver is traded, but the paper value of the silver market is much larger, about 500 times larger in fact. - [Silver ETFs](https://www.marketreview.com/silver/etfs/) - Many investors don’t just want to invest in something that tracks silver, they want to own the actual silver. Silver ETFs allow us to own shares in pools of silver which can be bought and sold electronically. - [Buying and Selling Silver](https://www.marketreview.com/silver/buying-selling/) - Buying and selling silver is a practice that has gone on for literally thousands of years. It used to be the only way to trade in silver, although these days, often times, it is no longer the best option. - [Silver as a Store of Wealth](https://www.marketreview.com/silver-as-store-of-wealth/) - Many people think that silver serves as a good option for just investing and forgetting, to store wealth over time. Silver is far too unstable for this though, although one may still speculate successfully with it. - [Using Gold to Protect Against Disasters](https://www.marketreview.com/using-gold-to-protect-against-disasters/) - A lot of people hold gold as a way to protect themselves against financial disasters. There is plenty of time to do that should these disasters occur though, and it’s best to actually wait for them. - [Gold as Protection in Bear Markets](https://www.marketreview.com/gold-as-protection-in-bear-markets/) - While gold can sometimes serve as a good hedge against bear markets, the first thing we need to determine is whether we are in a bear market, otherwise it’s hard to imagine why we would need such a thing. - [Physical Gold vs. Paper Gold](https://www.marketreview.com/physical-gold-vs-paper-gold/) - We often speak of the differences between owning physical gold and owning securities based upon gold. As long as there is gold that we own out there somewhere, it’s real gold, but not all gold investing is. - [Timing Gold Investments](https://www.marketreview.com/timing-gold-investments/) - Investing in gold can be lucrative at times, when we have clear upward trends and we’re looking to ride these moves. A lot of the time though it’s not so easy to tell where it’s headed over an investment timeframe. - [What Drives Gold Prices?](https://www.marketreview.com/what-drives-gold-prices/) - There are a lot of factors that influence the price of gold, including the effect of the industrial gold market, central banks, investor demand, economic concerns, and so on, but all are encompassed in price trends. - [Ways to Invest in Gold](https://www.marketreview.com/gold/ways-to-invest/) - It used to be that the only real way to invest in gold was to purchase and hold physical gold. Financial markets have evolved to the point where you can buy and sell it in a flash now if desired. - [Gold for Diversification](https://www.marketreview.com/gold-for-diversification/) - Gold is widely used as a hedge, particularly to diversify one’s exposure to market risk with stocks. The amount of diversification that is needed to do this properly can vary greatly though depending on the market. - [Trading in Gold](https://www.marketreview.com/trading-in-gold/) - Gold is one of the most highly traded instruments in the world. While many choose to invest in gold, a great many also seek to realize capital gains with gold by trading it over shorter timeframes. - [Gold as Money](https://www.marketreview.com/gold-as-money/) - Gold has served as a store of wealth for millennia, and has also served as money since money’s early days. It later was used to back paper money, but now it is back to being purely a store of wealth in itself. - [Gold as an Investment](https://www.marketreview.com/gold-as-an-investment/) - Investing in gold involves the expectation that the investment will yield capital gains over a certain period of time. The most important thing to consider is what the probability of that happening is. - [Fixed Income Funds](https://www.marketreview.com/fixed-income-funds/) - Fixed income funds are a very easy way to become involved in the world of fixed income securities, and there are several notable benefits to this. There are costs as well, which also need to be considered. - [Fixed Income and Investment Horizons](https://www.marketreview.com/fixed-income-and-investment-horizons/) - How much time we have left to save means a lot as far as how much of our portfolio we should want to hold in fixed income investments. As time goes on, fixed income takes on a more prominent role. - [Balancing Fixed Income with Other Investments](https://www.marketreview.com/balancing-fixed-income-with-other-investments/) - A lot of people simply cannot reasonably rely on their savings and just keep up with inflation to achieve their goals. This then requires that we look to other investments, but we need to be wise about this. - [Fixed Income Investing and Inflation](https://www.marketreview.com/fixed-income-investing-and-inflation/) - There are two main types of risk with fixed income investments. We pay a lot of attention to the risk of default, but overall, inflation risk tends to be the bigger of the two and needs to be paid attention to. - [Safety and Return with Fixed Income](https://www.marketreview.com/safety-and-return-with-fixed-income/) - Fixed income investing is really all about finding a rate of return that also will provide us with income stability. More income isn’t always better and the stability part is the more important of the two. - [Alternatives to Fixed Income Investments](https://www.marketreview.com/fixed-income/alternatives/) - As suitable as fixed income investments can be for many investors, particularly those nearing or in retirement, it is always wise to look at where these investments may be headed and at least consider alternatives. - [Strategies with Fixed Income Investments](https://www.marketreview.com/fixed-income/strategy/) - Investing in general involves allocating our resources according to market expectations. With fixed income investments in particular, we should be paying close attention to such forecasts. - [Risks with Fixed Income Investments](https://www.marketreview.com/fixed-income/risks/) - Planning on living off of the interest of our investments is something we need to be thinking about during our entire investment period. We especially need to pay attention in later years though. - [Goals of Fixed Income Investments](https://www.marketreview.com/fixed-income/goals/) - Aside from their reliability in earning fixed amounts of income over time, which is where fixed income investments get their name, the goal of reducing market risk is also very prominent. - [Types of Fixed Income Investments](https://www.marketreview.com/fixed-income/types/) - Fixed income investments comprise of both investing in various forms of bonds as well as by owning preferred shares of select companies. Both types generate fixed income, although their risk profiles may differ. - [Risks of Trading IPO Stocks](https://www.marketreview.com/risks-of-trading-ipo-stocks/) - While IPO trades do tend to be more lucrative, they also tend to be riskier. The goal is always to seek gains while managing risk properly, and IPOs require us to be even more attentive to this. - [Advantages of Trading IPO Stocks](https://www.marketreview.com/advantages-of-trading-ipo-stocks/) - Trading IPO stocks is the most lucrative form of stock trading out there. The potential to make money is greater, but the risks are also greater. IPOs do present a superior risk reward ratio overall though. - [IPOs and Investment Time Frames](https://www.marketreview.com/ipos-and-investment-time-frames/) - IPOs tend to be more volatile than normal stocks, especially in the early stages. If we are looking to invest in an IPO long term, we do need to take this into account, and not get too exited either way about this. - [IPO Investments and Risk Management](https://www.marketreview.com/ipo-investments-and-risk-management/) - Managing risk with stocks is plenty important enough, even though few investors realize the extent of this importance. IPOs are by nature riskier and therefore require even more attention. - [Advantages of Investing in IPOs](https://www.marketreview.com/advantages-of-investing-in-ipos/) - The real beauty of participating in an IPO is that they do tend to be priced in a way that allows them to offer more value than just buying stock in the secondary market. This has its advantages of course. - [What Makes IPOs Different](https://www.marketreview.com/what-makes-ipos-different/) - IPOs are different from more established stocks in several ways. These differences make IPOs both more risky and also more potentially lucrative. IPOs must be treated with appropriate caution though. - [IPO Secondary Markets](https://www.marketreview.com/ipo-secondary-markets/) - What makes IPOs differ from other stocks is that they are introduced in the primary stock market. It is only when they become offered on the secondary market that things really become interesting. - [Valuing IPOs](https://www.marketreview.com/valuing-ipos/) - The setting of the initial issue price of the stock of IPOs is pretty complex and difficult. To do this successfully, this all has to do with forecasting the initial demand for the IPO with a reasonable degree of accuracy. - [The Creation of IPOs](https://www.marketreview.com/the-creation-of-ipos/) - When companies wish to offer their stock in the market, to the public, it is not as simple as their starting to sell shares. There is a huge amount of work involved in order to make this work properly. - [Why Companies Issue IPOs](https://www.marketreview.com/why-companies-issue-ipos/) - Initial public offerings, or IPOs, involve a privately owned company offering a percentage of its ownership to the public. This serves to bring in a huge amount of new capital to a company. - [Why ETFs Will Remain in the Background](https://www.marketreview.com/why-etfs-will-remain-in-background/) - Investing in ETFs seems like such an easy proposition, and we may wonder why everyone doesn’t invest in them. People may like the idea of empowerment, but they need to be prepared for it. - [Leveraging with ETFs](https://www.marketreview.com/leveraging-with-etfs/) - Leveraged ETFs seem like such a good idea at first glance. The market goes up on average so this should really increase our returns. Many people don’t get beyond this first glance though. - [Deciding on ETFs](https://www.marketreview.com/deciding-on-etfs/) - There are a lot of ETFs out there to select from, and this does require us to put some effort and thought into which ones to choose. Most people do not make much effort but they certainly need to. - [The Flexibility of ETFs](https://www.marketreview.com/flexibility-of-etfs/) - Exchange traded funds, or ETFs, have grown exponentially of late. The much greater flexibility that ETFs offer over mutual funds is what has really driven the massive growth in popularity of ETFs. - [How ETFs Empower Investors](https://www.marketreview.com/how-etfs-empower-investors/) - Mutual fund investors are the picture of passivity, which is not a virtue when you’re looking to manage performance. ETFs require at least a minimal level of activity, which is a start at least. - [ETFs Compared to Mutual Funds](https://www.marketreview.com/etfs-compared-to-mutual-funds/) - ETFs and mutual funds have several things in common, but there are also some distinct differences between them. In more cases than not, ETFs are preferable, but not in all cases. - [The Benefits of ETFs](https://www.marketreview.com/etf/benefits/) - Exchange traded funds, or ETFs, have a great deal going for them, and offer some advantages over both trading individual securities and buying mutual funds. - [Strategies with ETFs](https://www.marketreview.com/strategies-with-etfs/) - There are a wide variety of strategies that can be used with ETFs in seeking to accomplish investment and trading objectives. ETFs alone can deliver pretty much any strategy you seek. - [Buying and Selling ETFs](https://www.marketreview.com/buying-and-selling-etfs/) - Exchange traded funds, or ETFs, can be bought and sold as easily as stocks. All one needs is access to a brokerage account and these trades can then be placed on the market instantly. - [The Market for ETFs](https://www.marketreview.com/market-for-etfs/) - Exchange traded funds, or ETFs, have been around since the early 1990’s, but have really taken off in popularity over the past few years. ETFs have many things going for them. - [Precious Metals](https://www.marketreview.com/precious-metals/) - People have been investing in precious metals like gold and silver for as long as investing has been around. They still are a very popular form of investment to this day. - [Retirement Investing & Saving](https://www.marketreview.com/retirement/investing/) - Saving and investing for retirement first involves making sure that we're saving enough. Then we need to make sure we're making the right choices with investing it. - [Retirement Planning](https://www.marketreview.com/retirement/planning/) - Retirement planning does take quite a bit of planning, and the first and most important step is putting yourself in a position to defer enough of your income toward these future goals. - [Commodities and Portfolio Diversification](https://www.marketreview.com/commodities/portfolio-diversification/) - There is more out there than just stocks and bonds and savings instruments. These are the three most popular asset classes by far, but commodity diversification deserves at least a good look as well. - [Technical Analysis with Commodities](https://www.marketreview.com/commodities/technical-analysis/) - Trading commodities, or trading anything for that matter, requires that we monitor changes in price in order to be in trades when we should be and out of trades when we should be. - [Fundamental Analysis with Commodities](https://www.marketreview.com/commodities/fundamental-analysis/) - Fundamentals do drive commodity prices, and therefore many traders believe that the way to make money is to look to outsmart the market on a fundamental basis. This is quite a task though. - [Strategies in Trading In Commodities](https://www.marketreview.com/commodities/trading-strategies/) - Trading commodities can both be very exciting and very profitable. This can also be very painful if one does not know enough about what is doing. The most important thing here is to protect yourself. - [Commodity Funds](https://www.marketreview.com/commodities/funds/) - Commodity funds seem like a strange idea, but they actually can make sense to some degree. Some commodities are inversely related to stocks, and if used properly, they can indeed provide a good hedge. - [Commodities Trading as Hedging](https://www.marketreview.com/commodities-trading-as-hedging/) - Trading in commodities futures as a means of hedging underlying business operations has been a goal for a very long time, for centuries in fact. This allows businesses to act with more certainty. - [Speculating on Commodities](https://www.marketreview.com/speculating-on-commodities/) - Companies enter into contracts to buy and sell certain commodities to look to manage their business risks, but many other people trade in commodities to look to make a profit on the trades, and many do. - [What Drives Commodity Prices?](https://www.marketreview.com/what-drives-commodity-prices/) - Some people complain that futures trading influences commodity prices, which it does not ultimately. Commodity prices are influenced by the supply and demand of the commodity itself. - [Why Commodities Are Traded](https://www.marketreview.com/why-commodities-are-traded/) - Well developed commodities markets have been around for a very long time, as a means for businesses to more efficiently trade goods used for business inputs. - [Commodity Markets](https://www.marketreview.com/commodites/markets/) - Commodity markets and even future contracts with commodities have been around for a very long time. The commodity market is an evolving one and one that more and more people are now trading in. - [Why Large Derivatives Traders Need to be Managed](https://www.marketreview.com/why-large-derivatives-traders-need-to-be-managed/) - Given the motivation of large financial institutions toward profit, and their tendency to not worry enough about risk unless they are forced to, it is left to us to look to force them to. - [Over the Counter Derivatives](https://www.marketreview.com/over-the-counter-derivatives/) - The over the counter derivatives market is the biggest market in the world by far, and the biggest thing the world has ever seen. The stakes here are very high, and we need to do our best to manage it. - [Exchange Traded Derivatives](https://www.marketreview.com/exchange-traded-derivatives/) - People usually think of exchange traded derivatives when they think of derivatives trading, and exchanges do provide great access and benefits to people who wish to engage in this sort of trading. - [Derivatives and Transparency](https://www.marketreview.com/derivatives-and-transparency/) - Transparency in financial trading is an essential element of efficient markets. When we don’t have a clear idea of the risks of the other party defaulting, we don’t really understand the risks overall. - [Derivatives and Risk Transfer](https://www.marketreview.com/derivatives-and-risk-transfer/) - People often think of derivatives as creating risk, and that can happen if things are not controlled, but derivatives primarily function as a means of making the risk we already have easier to manage overall. - [Criticisms of Derivatives](https://www.marketreview.com/criticisms-of-derivatives/) - Derivatives are subject to quite a bit of criticism from various people, although it’s important to understand that all derivatives do is distribute systemic risk, it does not create or add to it. - [Contracts for Difference](https://www.marketreview.com/contracts-for-difference/) - Contracts for difference trading involves the trader placing side bets on the value of various securities directly with their broker. This type of trading has several important advantages to it. - [The Function of Derivatives](https://www.marketreview.com/function-of-derivatives/) - Derivatives are not that well understood by many, and also are seen by many as excessively risky. Some object to anyone trading in certain derivatives. The key here is understanding these risks. - [Becoming a Successful Futures Trader](https://www.marketreview.com/becoming-successful-futures-trader/) - Becoming a successful futures trader isn’t as challenging as many people think, but it is challenging enough. For some reason though many people think that you can just jump into this unprepared. - [Futures Trading Accounts vs. CFD Trading](https://www.marketreview.com/futures-trading-accounts-vs-cfd-trading/) - Futures trading and CFD trading are similar in many respects, as both involve putting up a deposit to take a position on the future movement of an asset. CFD trading is simply more flexible though. - [Futures Trading vs. Stock Trading](https://www.marketreview.com/futures-trading-vs-stock-trading/) - Stock trading remains a very popular way to trade financial assets, although in many respects, futures trading is simply superior. One must first become good enough to trade at all though. - [Challenges of Futures Trading](https://www.marketreview.com/challenges-of-futures-trading/) - Futures trading is one of the most challenging forms of trading. Many futures traders fail, but if they understand the challenges involved and work on being good enough, they may indeed find success. - [Advantages of Futures Trading](https://www.marketreview.com/advantages-of-futures-trading/) - The futures market does have a reputation for being much riskier than trading in the stock market, but for those who do have the proper skills, it also offers a much greater potential for profit. - [Managing Risk with Futures Trading](https://www.marketreview.com/managing-risk-with-futures-trading/) - One of the most important elements of trading futures is managing risk. Futures are risker than many other investments due to the amount of leverage used and the proper care must be used. - [Time Frames with Futures Contracts](https://www.marketreview.com/time-frames-with-futures-contracts/) - While futures contracts can theoretically run for any duration, it usually makes the most sense to go with the contracts of standard length, which is 3 months, due to the higher liquidity they provide. - [Futures Contracts as Hedging Strategies](https://www.marketreview.com/futures-contracts-as-hedging-strategies/) - The original idea of futures was to look to reduce business risk by having parties agree on a future price of something. Reducing business and investment risk is the fundamental driver of futures. - [Futures Contracts for Speculation](https://www.marketreview.com/futures-contracts-for-speculation/) - Speculators, those looking to trade futures contracts with the goal of exiting with a profit and not possess or supply the underlying assets of the contract, comprise a sign isn’t part of the futures market. - [What Can Be Traded with Futures](https://www.marketreview.com/what-can-be-traded-with-futures/) - Futures markets allow for the exchange of a wide variety of different commodities between parties at future points in time, as well as allowing for futures contracts for a number of other things. - [In the Money vs. Out of the Money Options](https://www.marketreview.com/in-the-money-vs-out-of-the-money-options/) - Out of the money options are like longer shot bets on the future movement of something. They do have their place in certain situations. In the money options are much more like regular trades. - [Overusing Options to Speculate](https://www.marketreview.com/overusing-options-to-speculate/) - A lot of options speculators do not properly understand what they are doing and should not be trading options. As is the case with all forms of trading, many traders don’t know what they don’t know. - [Time Decay with Options](https://www.marketreview.com/time-decay-with-options/) - Options speculating is like any other form of trading other than the time restrictions and limitations placed upon options contracts. The clock is always ticking against us and we need to account for this. - [Volatility with Options](https://www.marketreview.com/volatility-with-options/) - Volatility is what drives our profit potential when trading. Options appear to be much more volatile than trading assets or securities straight up. Much of this is already priced in to the option though. - [Risks of Options Trading](https://www.marketreview.com/options-trading-risks/) - The amount of risk that people take on with options can range from reducing their risk overall to taking on any amount of risk they desire. How much risk we take is always on us. - [Writing Options](https://www.marketreview.com/writing-options/) - Writing options, also called selling options, involves taking the risk with an option in exchange for a premium. This is a lot like insurance underwriting, and you have to be prepared to deal with what may happen. - [Using Options to Manage Risk](https://www.marketreview.com/using-options-to-manage-risk/) - Options are used both to speculate on the price movement of an asset and to also protect against certain bigger price movements against it. Options are very flexible and can be used very well as a hedge. - [Trading Options for Profit](https://www.marketreview.com/trading-options-for-profit/) - Trading options for profit is perhaps the most difficult form of financial trading to become successful at, but with the added difficulty comes added opportunity for profit, provided one is up to the challenge long term. - [How Options are Structured](https://www.marketreview.com/how-options-are-structured/) - Options allow options buyers to place bets on an underlying asset going up or down, and they can place bets on either. Options sellers take on these risks and get compensated for this by collecting options premiums. - [Bonds and Liquidity](https://www.marketreview.com/bonds-and-liquidity/) - Liquidity is the tendency for a bond to be more easily traded and at a better price. Less liquid bonds may incur liquidity risk on top of all of the other risks present. They should be traded with caution. - [Trading Bonds](https://www.marketreview.com/trading-bonds/) - Trading bonds used to be limited to investment banks and other large financial institutions. Nowadays, anyone can trade bonds, even those with only a small amount of capital to trade with. - [Corporate vs. Government Bonds](https://www.marketreview.com/corporate-vs-govt-bonds/) - Government bonds tend to be safer than corporate bonds generally, but this depends on the government and the corporation. Adding riskier corporate bonds can increase our returns though. - [Bonds vs. Stocks](https://www.marketreview.com/bonds-vs-stocks/) - Bonds and stocks differ in several important ways, the most notable of which is that the pricing of bonds are based more upon the intrinsic value of the cash flow that they generate. - [Bonds for Diversification](https://www.marketreview.com/bonds-for-diversification/) - It is not uncommon to see recommendations to have a certain percentage of our investment portfolios in bonds, for diversification. This is more important than many people realize. - [Bonds as Investments](https://www.marketreview.com/bonds-as-investments/) - While we tend to have a bias toward investing in the stock market over the long term, having a significant percentage of our portfolio in bonds often does make a lot of sense. This is not just for older people. - [Risks of Bonds](https://www.marketreview.com/bonds/risks/) - While bonds are a safer investment than stocks generally, there are several risks particular to bonds we need to be aware of, and in particular, default risk, interest rate risk, and inflation risk. - [Characteristics of Bonds](https://www.marketreview.com/bonds/characteristics/) - Bonds are a way that anyone can hold debt issued by both governments and corporations. Bonds are particularly well known as a means by which individual investors can earn interest income. - [Benefits of Bonds](https://www.marketreview.com/bonds/benefits/) - Bonds have a lot of things going for them, and are especially useful in generating a known and reliable income stream over time. Bonds have several other advantages though. - [The Outlook for Mutual Funds](https://www.marketreview.com/mutual-funds/outlook/) - There are some new and very strong competitors to mutual funds, especially from ETFs. The manner in which mutual funds are sold, and the fact they require no effort, will have them remaining on top. - [Managing Mutual Fund Risk](https://www.marketreview.com/managing-mutual-fund-risk/) - Managing risk properly involves more than just fixing your asset allocation at certain percentages, or not exceeding your risk tolerance. Just because you can handle a lot of risk doesn’t mean you should. - [Managing Mutual Fund Performance](https://www.marketreview.com/managing-mutual-fund-performance/) - The easiest way to manage one’s mutual fund performance is just to buy some and hang on to them for life. However, should one wish to strive for better returns than the market, this is well achievable. - [Can Individuals Beat Mutual Funds?](https://www.marketreview.com/can-individuals-beat-mutual-funds/) - Mutual fund companies want us to think that we cannot beat the market or the performance of their funds that we get by simply holding them. In actual fact, beating them is pretty easy if we’re prepared. - [How Mutual Funds are Marketed and Sold](https://www.marketreview.com/how-mutual-funds-are-marketed/) - Mutual funds remain immensely popular. The real reason is that most investors are not even presented with or even entertain alternatives to investing in mutual funds. - [Mutual Funds Investment Time Frames](https://www.marketreview.com/mf-investment-time-frames/) - People invest in mutual funds with a variety of different time frames. Some mutual funds are more suited to one time frame than another, and it’s important to ensure the time frame of the fund is aligned with yours. - [Actively Traded Versus Index Funds](https://www.marketreview.com/actively-traded-vs-index-funds/) - Mutual funds either mirror an index by holding all of its components, or it seeks to beat its performance. Most funds that seek to beat indexes fail to do so. You need to be very selective here. - [Mutual Funds Asset Classes](https://www.marketreview.com/mutual-funds-asset-classes/) - When putting together a mutual fund portfolio, there are three main types of investments that may be considered, which are growth, income, and savings. We must seek the proper balance. - [Advantages and Disadvantages of Mutual Funds](https://www.marketreview.com/mutual-funds/advantages-disadvantages/) - Mutual funds have transformed the stock and bond markets in a huge way over the years, allowing for many more people to access professional financial management than in the past. - [How Mutual Funds Work](https://www.marketreview.com/how-mutual-funds-work/) - Mutual funds offer everyone the ability to have their assets professionally managed, with the only decisions they have to make being how much they want to put in it. - [The Risks of Bullion](https://www.marketreview.com/bullion/risks/) - Investing in bullion is certainly not without risk, and very few investors are unaware of the risks involved. The fact that people tend to invest in bullion without enough regard to these risks is the bigger issue. - [Bullion ETFs](https://www.marketreview.com/bullion/etf/) - Investing in bullion always involved having to buy and sell the bullion on your own, which is far from efficient. Bullion ETFs enjoy huge economies of scale, and provide much more efficiency. - [The Benefits of Bullion](https://www.marketreview.com/bullion/benefits/) - Investing in bullion can be seen to have several benefits, although the biggest one by far is its being an alternative to stocks for those whose primary goal is growth. Timing is everything though. - [Bullion versus Bonds](https://www.marketreview.com/bullion-vs-bonds/) - When we think of hedging stocks, we almost automatically think of bonds, and most hedging does consist of bond market positions. Bullion needs to be looked at as well, but more so in certain conditions. - [Ways to Trade Bullion](https://www.marketreview.com/ways-to-trade-bullion/) - A lot of investors find investing in bullion appealing, and bullion investing certainly has some distinct advantages versus other types of investments. One can take possession of the bullion or invest in shares based upon it. - [Bullion Versus Stocks](https://www.marketreview.com/bullion-vs-stocks/) - Many people think that stocks and bullion are strongly inversely correlated, meaning that they tend to move in opposite directions. The truth is though, they move quite independently. - [What Drives Bullion Prices?](https://www.marketreview.com/what-drives-bullion-prices/) - Supply and demand together drive prices, but with bullion, the supply is limited and known, so the price of bullion is driven almost exclusively by fluctuations in demand, which are driven by several major factors. - [Bullion as a Hedge](https://www.marketreview.com/bullion-as-a-hedge/) - Holding positions in bullion can be helpful to protect us against bear markets with long term investments. It's a matter of knowing what we are doing though and using these hedges when it makes sense to. - [Bullion as Investments](https://www.marketreview.com/bullion-as-investments/) - People have been investing in bullion and precious metals for thousands of years. It was a pretty good investment then and still is, although market circumstances should dictate one's strategy as it always should. - [Bullion Markets](https://www.marketreview.com/bullion/markets/) - Most of the world's precious metals are traded and cleared on just a few bullion markets, with the London Bullion Market doing the lion's share of the trade. Bullion markets are limited to very large customers. - [Managing Risk with Forex Trading](https://www.marketreview.com/managing-risk-with-forex-trading/) - Becoming a successful forex trader is a challenging task, but is one that we can undertake successfully provided that we proceed wisely. However, proceeding wisely is not how most traders do it. - [Fundamental and Technical Analysis with Forex](https://www.marketreview.com/fundamental-and-technical-analysis-with-forex/) - Many forex traders think that the keys to the kingdom involve getting good at fundamental analysis. This is a big mistake though and what we need to do is look to instead master technical analysis. - [Money Management with Forex Trading](https://www.marketreview.com/money-management-with-forex-trading/) - Money management is incredibly important with forex trading, and not managing this right is singularly responsible for traders busting their accounts, although this can always be prevented. - [Deciding Which Currency Pairs to Trade](https://www.marketreview.com/deciding-which-currency-pairs-to-trade/) - In spite of the importance of selecting the right currency pairs to trade when trading forex, most traders do not pay anywhere near enough attention to this. Proper pair selection makes a big difference. - [Choosing a Forex Broker](https://www.marketreview.com/choosing-a-forex-broker/) - Most people do not put much thought at all into selecting a forex broker, perhaps thinking that they are similar enough that this doesn’t matter very much. It certainly does matter though. - [Tracking Currency Price Movements](https://www.marketreview.com/tracking-currency-price-movements/) - In order to be successful trading forex, you have to become familiar and skilled at using charts which track price and volume movement over time. To be good at charting, you have to dedicate yourself to it. - [How Governments Manage Currencies](https://www.marketreview.com/how-govts-manage-currencies/) - Governments, through their central banks, have the potential to significantly influence forex markets, even though they may be floating valuations based purely upon supply and demand. - [Pros and Cons of Forex Trading](https://www.marketreview.com/pros-and-cons-of-forex-trading/) - Some people start out in forex trading with overblown expectations as far as how easy it will be, and end up taking wrong approaches and being disappointed. There's no substitute for a good education though. - [What Influences Forex Pricing?](https://www.marketreview.com/what-influences-forex-pricing/) - The forex market, and the relative value of currencies against one another, is driven by not only the market but by a number of fundamental indicators that provide insight into the health and future demand of a currency. - [How Forex Trading Works](https://www.marketreview.com/how-forex-trading-works/) - Forex trading is by far the largest capital market in the world. Easy access to online brokers these days, along with professional trading platforms and robust software programs have caused the forex market to really take off. - [Shopping Around for Auto Insurance](https://www.marketreview.com/shopping-around-for-auto-insurance/) - Due to the complexities of pricing auto insurance, as well as the fact that so many people don’t shop around much for it, there can be some great differences in price among various auto insurers. - [Determining the Right Auto Insurance Coverage](https://www.marketreview.com/determining-the-right-auto-insurance-coverage/) - Determining the types and amounts of auto insurance coverages we need depends primarily on our individual situation. The target is to only insure against those events we cannot otherwise manage. - [Using Technology to Price Auto Insurance](https://www.marketreview.com/using-technology-to-price-auto-insurance/) - Insurance companies are now able to leverage current technologies to collect data on the driving habits of their clients. While many drivers may benefit from this, it really depends on what kind of driver you are. - [No-Fault Auto Insurance](https://www.marketreview.com/no-fault-auto-insurance/) - No-fault auto insurance offers several important advantages over standard auto insurance, although not all of them actually cash out as benefits. No-fault is designed to cost less but it ironically costs more. - [Why Deductibles Make Sense](https://www.marketreview.com/why-deductibles-make-sense/) - We normally don’t think much about lowering or waiving deductibles with our auto insurance policies, aside from feeling good that we have this extra coverage. Deductibles make a lot of sense though to have. - [Auto Insurance Supplemental Coverage](https://www.marketreview.com/auto-insurance-supplemental-coverage/) - There are several choices that we need to make with auto insurance apart from choosing which major types of coverage we want. We need to carefully think about whether a given add-on is worth the money to us. - [Collision and Comprehensive Coverage](https://www.marketreview.com/collision-and-comprehensive-coverage/) - While collision and comprehensive insurance coverages are both optional, we often do not have a real choice as we are often required to purchase it. In many situations, though, we are left to decide. - [Personal Liability and Public Damage](https://www.marketreview.com/personal-liability-and-public-damage/) - Personal liability and public damage insurance covers damage we do to other people’s property as well as any injury that we may cause to others, as well as to ourselves in some cases. - [Auto Insurance and Risk Factors](https://www.marketreview.com/auto-insurance-and-risk-factors/) - Many factors go into insurers calculating our particular risk when they offer us auto insurance policies. It does pay to have an idea of what these factors are and especially avoid things that could send our rates soaring. - [The Real Purpose of Auto Insurance](https://www.marketreview.com/real-purpose-of-auto-insurance/) - Purchasing auto insurance involves not only choosing coverage but choosing the right kind of coverage. In order to decide this properly, we need to understand the proper function of auto insurance. - [Improving Health Care & Health Insurance](https://www.marketreview.com/improving-health-care-and-insurance/) - When we look to improve health insurance, we need to realize that we cannot do much here without reforming the health care system that it promotes. Any real improvements will require a big change in attitudes. - [Heath Insurance as a Social Program](https://www.marketreview.com/heath-insurance-as-a-social-program/) - Public health insurance is supposed to be a social program, to help people who really need it, but this social program functions much differently. We need to take a harder look at how we may design this more properly. - [Health Insurance and Preventative Medicine](https://www.marketreview.com/health-insurance-and-preventative-medicine/) - Our current health care system for the most part shuns prevention, but we would think that health insurance companies would be in favor of more of this to lower what they pay out. This is not really the case though. - [Health Insurance and Efficiency](https://www.marketreview.com/health-insurance-and-efficiency/) - We can measure the efficiency of heath care insurance and a health care system several ways, but this really comes down to getting effective treatment at a reasonable cost. There is much to do to improve this. - [Private Health Insurance](https://www.marketreview.com/private-health-insurance/) - Private health insurance may provide all of our health insurance coverage, or it may only address certain expenses not covered by our public health insurance. It is always important to carefully consider our choices here. - [Public Health Insurance](https://www.marketreview.com/public-health-insurance/) - Public health care insurance is very often heralded as the pinnacle and the only sensible and fair way to dispense health care. While it does have its benefits, it has its concerns and its negatives as well. - [Health Insurance for Minor Health Expenses](https://www.marketreview.com/health-insurance-for-minor-health-expenses/) - There are some medical expenses, the very large ones, that simply cannot be paid for ourselves, and therefore should be covered. Lesser expenses are a different story though and generally should not be insured against. - [Health Insurance for Major Health Expenses](https://www.marketreview.com/health-insurance-for-major-health-expenses/) - Coverage for major medical events that are well beyond people’s ability to pay for them is essential. However, the costs for these services have skyrocketed. The key is to seek to reduce the number of these incidents. - [Health Insurance and Medical Risk](https://www.marketreview.com/health-insurance-and-medical-risk/) - Due to the nature of the majority of health insurance coverage, where it is priced in the aggregate and not individually, this causes the risk to insurance companies to increase and the costs of policies to be higher. - [The Scope of Health Insurance Coverage](https://www.marketreview.com/scope-of-health-insurance-coverage/) - We usually see health insurance as a form of entitlement, where the costs of it are very often outside our view. Health insurance is very expensive though and we need to look for ways to reduce these massive costs. - [The Importance of Regular Life Insurance Evaluation](https://www.marketreview.com/importance-of-regular-life-insurance-evaluation/) - Many people may think about life insurance quite a bit when they purchase a policy but may not think about this very much during the life of the policies. We should be re-examining our life insurance needs regularly though. - [Life Insurance Mistakes to Avoid](https://www.marketreview.com/life-insurance-mistakes-to-avoid/) - There’s a lot of thought that needs to go into selecting the right life insurance coverage, and this is not a decision that should ever be made in haste and without looking at all the important factors that apply. - [Life Insurance as Part of One’s Portfolio](https://www.marketreview.com/life-insurance-as-part-of-ones-portfolio/) - We often think of life insurance and portfolio management as being aligned. Although both have the same objective of financial security, they are competing goals that need to be properly balanced. - [Life Insurance to Protect Wealth](https://www.marketreview.com/life-insurance-to-protect-wealth/) - The main purpose of life insurance is to protect against those we leave behind falling beneath a certain threshold of financial well-being. While this doesn’t protect our present wealth, it does protect our future wealth. - [Deciding How Much to Spend on Life Insurance](https://www.marketreview.com/deciding-how-much-to-spend-on-life-insurance/) - Deciding what to spend on life insurance does depend on what our life insurance needs are, but this is only part of the equation. Given that we need to be giving things up for this, what we give up matters as well. - [Types of Life Insurance Policies](https://www.marketreview.com/types-of-life-insurance-policies/) - The two main types of life insurance are term and whole life. Which is best for us depends on a number of factors, including how much we have to spend and how we should invest our money. - [How Life Insurance Premiums are Calculated](https://www.marketreview.com/how-life-insurance-premiums-are-calculated/) - Life insurance companies look to group us into categories and assess our risk based upon the probabilities that they have calculated for the particular risk factors that they have determined that we have. - [What Life Insurance Protects](https://www.marketreview.com/what-life-insurance-protects/) - When we use life insurance properly, we’re not really just looking to protect against lost income due to our death, we’re looking to protect a minimum standard of financial well-being for our loved ones. - [The Psychological Benefits of Life Insurance](https://www.marketreview.com/psychological-benefits-of-life-insurance/) - While we normally think of the tangible benefits of life insurance coverage, the death benefits that get paid out if we die while covered, the psychological benefits of such coverage are in itself quite substantial. - [Who Needs Life Insurance?](https://www.marketreview.com/who-needs-life-insurance/) - It turns out that most of us can benefit from some sort of life insurance coverage. While life insurance is usually targeted to younger families, even older people can benefit from certain coverages. - [Taking Full Advantage of 401(k)s](https://www.marketreview.com/taking-full-advantage-of-401ks/) - 401(k) accounts can be a very powerful way to save up for retirement. Many people have 401(k) accounts but do not take full advantage of them or anything close to that, due to a lack of understanding of their power. - [Choosing Investment Types with 401(k)s](https://www.marketreview.com/choosing-investment-types-with-401ks/) - We may complain that 401(k)s provided limited investment choices and therefore more limited opportunities. People don’t really manage their 401(k)s much anyway, and if they did, they could really help themselves. - [401(k)s and Asset Allocation](https://www.marketreview.com/401ks-and-asset-allocation/) - Most investors do not take an active approach to their 401(k) investing and just basically invest and hope. We should never rely solely on hope though, and there are ways that we can manage these risks while still seeking good returns. - [Deciding Between 401(k) or IRA Contributions](https://www.marketreview.com/deciding-between-401k-or-ira-contributions/) - When our employer puts their money into our 401(k), as most employers are willing to do, this ends up being a very persuasive reason to prefer 401(k)s. However, this does not mean we have to leave it all in this account. - [Deciding Between Types of 401(k)s](https://www.marketreview.com/deciding-between-types-of-401ks/) - Choosing between a traditional or Roth 401(k) account for your own contributions really isn’t that complicated of a matter. If your tax rate goes down, the 401(k) wins, but there are other considerations as well. - [Rolling Over 401(k)s](https://www.marketreview.com/rolling-over-401ks/) - The IRS has been rather kind in the way that they allow us to move money from one type of retirement account to another. They don’t provide a guide to do this, but executing this correctly is actually fairly simple. - [Limitations and Risks of 401(k) Plans](https://www.marketreview.com/401k-plans-limitations-and-risks) - In spite of the popularity of the buy and hold approach, we are forced to accept whatever market risk comes our way, without limitations. With matched contributions though, we are well compensated for these risks. - [Accessing Your 401(k) Money](https://www.marketreview.com/accessing-your-401k-money/) - Taking money out of our 401(k) account, whether by straight withdrawal or by way of a 401(k) loan, should never be done unless truly needed and with considerable thought. Both can have serious implications to our retirement. - [Putting Money in Your 401(k)](https://www.marketreview.com/putting-money-in-your-401k/) - Most people don’t contribute anywhere near as much money as they should into their 401(k) plans or other retirement plans. This results from an underappreciation of just how powerful employer matched 401(k)s actually are. - [How 401(K) Plans are Structured](https://www.marketreview.com/how-401k-plans-are-structured/) - While defined benefit pension plans provided by our employers were once king, the landscape has changed a lot lately. This has for the most part been replaced by the 401(k) plan, which provides lots of opportunity to save. - [Balancing IRAs and Non Registered Savings](https://www.marketreview.com/balancing-iras-and-non-registered-savings/) - How much we are able to save for retirement ultimately starts with how much we are spending on other things, or even saving for them. The goal needs to be to seek the right balance between our retirement and other things. - [Withdrawal Strategies with IRAs](https://www.marketreview.com/withdrawal-strategies-with-iras/) - While IRAs exist as a means to help us plan and save for retirement, we must also make plans for taking it out, as well as plan for situations where we may have to prior to our needing it to support our retirement years. - [Deciding Between Traditional and Roth IRAs](https://www.marketreview.com/deciding-between-traditional-and-roth-iras/) - The first thing we need to do when deciding between a traditional and Roth IRA is whether we want to contribute to either or something else. It’s not difficult at all to figure out which type of IRA would be best though. - [Expected Return and Retirement Strategies](https://www.marketreview.com/expected-return-and-retirement-strategies/) - People generally just accept market returns or close to them with their retirement money, and ultimately leave their retirement plans up to fate this way. We aren’t limited to just taking whatever happens though. - [Employer Contributed IRAs](https://www.marketreview.com/employer-contributed-iras/) - Employers generally play a big role in one’s retirement plan. Employers may help their people by contributing to their own IRAs, or may contribute on their behalf to a type of IRA that allows them to put employer money into. - [The Benefits of a Roth IRA](https://www.marketreview.com/benefits-of-a-roth-ira/) - The real benefit of a Roth IRA is that it allows earnings within the account from investments to grow tax free. Whether or not it is the best choice will ultimately come down to our tax bracket once we retire. - [The Benefits of a Traditional IRA](https://www.marketreview.com/benefits-of-a-traditional-ira/) - Traditional IRAs have several benefits and advantages for those who seek to save for retirement. It provides the opportunity to invest the government’s money over a period of years and also save on our taxes along the way. - [The Suitability of IRAs](https://www.marketreview.com/the-suitability-of-iras/) - As long as we’re looking to save for retirement and have some money that we can contribute to it, and as long as we qualify, IRAs are excellent vehicles which allow us to enjoy tax benefits which will enhance our retirement. - [The Many Rules Surrounding IRAs](https://www.marketreview.com/the-many-rules-surrounding-iras/) - IRA rules can seem to be a little complex, especially given that there are two main forms of IRAs, which are quite different, but this is not really all that difficult to navigate once you understand the basics. - [The Rationale Behind IRAs](https://www.marketreview.com/the-rationale-behind-iras/) - IRAs make a lot of sense both to the government who provides the tax advantages involved as well as individual savers who are provided these advantages to encourage them to save more for their retirement. - [Downshifting in Retirement](https://www.marketreview.com/retirement/downshifting/) - Traditionally, the idea of retirement has been an all or nothing thing, going from a full time career to a cessation of work. The realities of today are requiring more people not to stop, but to instead downshift. - [Retirement and Tax Planning](https://www.marketreview.com/retirement/tax-planning/) - While tax planning can have an impact upon our retirement savings, if we end up with more money in the end, we do need to make sure that we’re not giving too much weight to this. - [Managing Your Own Retirement Savings](https://www.marketreview.com/managing-your-own-retirement-savings/) - While we rightfully are concerned and cautious with our retirement savings, and are told not to meddle with this at all, we’re not that well protected and the right strategies can really help us here. - [Balancing Risk and Reward with Retirement Savings](https://www.marketreview.com/balancing-risk-and-reward-with-retirement-savings/) - While risk and reward can be opposing forces, when it comes to managing our retirement portfolios, they tend to go more hand in hand. Successfully managing our retirement investments can improve both. - [Allocating Resources to Retirement](https://www.marketreview.com/allocating-resources-to-retirement/) - Deciding on how much we can and will set aside for retirement is something that many people think is important, but they may still underestimate its importance and sacrifice the future too much. - [Pensions and Retirement](https://www.marketreview.com/pensions-and-retirement/) - For many people, pensions represents a significant portion of one’s retirement income. While pensions are usually not enough to take care of people comfortably, they can provide a good portion of it. - [Annuities and Retirement](https://www.marketreview.com/annuities-and-retirement/) - Annuities allow for a number of options in retirement, including providing a fixed amount of income for life. Annuities tend to be under-utilized by retirees and are often well worthy of our consideration. - [Projecting Your Retirement Income Needs](https://www.marketreview.com/projecting-your-retirement-income-needs/) - How much income we would like to have in retirement and how much we really need in retirement is often not the same thing. We need to start with what we really need, and then go from there. - [Money Management in Retirement](https://www.marketreview.com/retirement/money-management/) - Once we’ve made it to retirement, paying close attention to our spending perhaps becomes even more important. If we overspend our long term capacity, we risk being deprived in the future. - [Portfolio Management For Retirement](https://www.marketreview.com/retirement/portfolio-management/) - Managing one’s investment portfolio over time involves allocating various amounts to the different asset classes. Managing risk is a primary goal of this, which is even more important in retirement. - [Managing Risk with Investments](https://www.marketreview.com/managing-risk-with-investments/) - Investors are often at least aware that investing carries risk, but they generally have no real idea of how to manage it properly. Managing risk is very important if we want to do well with our investments. - [Optimizing Returns with Investments](https://www.marketreview.com/optimizing-returns-with-investments/) - We put a lot of our money into our investments, and there is usually a lot on the line with them. Given this, we would think that we would be paying a lot more attention to these investments than we usually do. - [Investing and Speculation](https://www.marketreview.com/investing-and-speculation/) - Investing always involve speculation, which means that we’re staking money on something happening or not. This is best understood as placing bets on things, and the better we manage these bets, the better we will do at all this. - [Investing with Technical Data](https://www.marketreview.com/investing-with-technical-data/) - Technical analysis is the study of how prices move, to determine its probable direction over a given amount of time. While technical analysis is a tool used mostly by shorter term traders, it is just as valid in longer timeframes. - [Investing with Fundamental Data](https://www.marketreview.com/investing-with-fundamental-data/) - Fundamental analysis concerns itself with evaluating data about the investment and the underlying economy. If we do this, we need to look at both. Investors should not really concern themselves with these things though. - [Investing and Market Trends](https://www.marketreview.com/investing-and-market-trends/) - Markets do move in trends of various lengths. If our goal is to profit from our investments as well as seeking to manage the risk involved with them, we’re going to need to look to these trends to provide us at least some guidance. - [The Role of Supply and Demand with Investing](https://www.marketreview.com/role-of-supply-and-demand-with-investing/) - If we’re going to be putting a significant percentage of our lifetime income into something, we should be very interested in knowing how these investments really work. They don’t actually work quite like most people think. - [Long-Term Investment Strategies](https://www.marketreview.com/long-term-investment-strategies/) - Most of us invest for the long term by buying mutual funds or similar securities, and either just hold them or hold similar assets. This may seem like a good idea but it there are several significant problems with it. - [The Goal of Investing](https://www.marketreview.com/goal-of-investing/) - The goal of investing is of course to make a good profit on our money, and also manage the degree of risk involved to keep it acceptable. There is quite a bit to this though and this does all require some considerable thought. - [Planning for After We’re Gone](https://www.marketreview.com/planning-for-after-were-gone/) - While we tend not to enjoy thinking about what will happen after we die, if we do have a considerable amount to leave, and even with lesser amounts, it is important that we do the proper preparation for this. - [Managing Personal Financial Risk](https://www.marketreview.com/managing-personal-financial-risk/) - There are a lot of risks involved in our lives, and many of them have financial implications. We need to not only protect ourselves with insurance, we also need be diligent enough in managing our other financial risks. - [Saving for the Long-Term](https://www.marketreview.com/saving-for-the-long-term/) - The longer the timeframe of something, the more difficult it becomes to care enough about. Our long-term savings matter as much as our short-term needs and often matter more. We need to understand just how important this is. - [Saving for Contingencies](https://www.marketreview.com/saving-for-contingencies/) - Aside from our normal monthly expenses, there are a variety of things that can come up that need addressing. We may be able to borrow for these things, but ideally, we will build up a fund to allow us to handle this all ourselves. - [Managing Credit Properly](https://www.marketreview.com/managing-credit-properly/) - Even if our primary goal is to act responsibly where our personal finances are concerned, credit can still have its place and its benefits. When used unwisely though, credit can do a great deal of harm as well. - [Balancing Our Personal Balance Sheet](https://www.marketreview.com/balancing-our-personal-balance-sheet/) - Looking at one’s finances from the perspective of running a business may seem to be a little too extreme to some people, but personal finance is serious business indeed. Given how high our stake in this is, our affairs deserve plenty of attention. - [Navigating Major Life Phases](https://www.marketreview.com/navigating-major-life-phases/) - There are four main life phases from a personal financial perspective, which are dependence, accumulation, consolidation, and distribution. How we move through these phases has a big impact upon our financial future. - [The Importance of Financial Planning](https://www.marketreview.com/importance-of-financial-planning/) - It is very important to have a good plan in place when we seek to sustain and improve our financial picture. It is not enough to just have a certain goal in mind, as we will need to plan its achievement every step of the way. - [The Importance of Financial Education](https://www.marketreview.com/importance-of-financial-education/) - We get lots of financial education, although most of it teaches us things that may not be in our overall self-interest. It is only through closely examining our situation with an open mind that we can learn what we need to know here. - [Taking Charge of our Personal Finances](https://www.marketreview.com/taking-charge-of-our-personal-finances/) - We often just accept mediocre financial circumstances and especially look to blame external factors. While these external factors do influence things, there is a lot that we can control here to seek out the outcomes we want. - [Fixed vs. Variable Rate Loans](https://www.marketreview.com/fixed-vs-variable-rate-loans/) - People often have to choose between a fixed or variable rate with their loans, and this is something people struggle with a lot. Variable rates should always be preferred unless there is a good enough reason to go with a fixed rate. - [Personal Effects Loans](https://www.marketreview.com/personal-effects-loans/) - While the biggest purchases people make are buying a house and buying cars, people still tend to spend a lot of money buying personal effects. Borrowing for this can lead to regret if we are not careful. - [Entertainment Loans](https://www.marketreview.com/entertainment-loans/) - Many people spend a fair bit of their income on entertainment, and entertainment is certainly important. What is also important is that we spend within our means on this, and avoid borrowing for this purpose. - [Secured vs. Unsecured Loans](https://www.marketreview.com/secured-vs-unsecured-loans/) - We often see secured loans as being undesirable due to the claim that the lender has on our property, but as long as we’re planning on paying it back, these concerns shouldn’t matter. What does matter is the friendlier terms that we get. - [How Loans are Priced](https://www.marketreview.com/how-loans-are-priced/) - Having a basic understanding of how loans are priced and what you may be able to do to improve your chances of getting a better rate on money you want to borrow can be helpful indeed. - [The Downside of Loans](https://www.marketreview.com/downside-of-loans/) - While there are a lot of benefits to borrowing, it can have its dark side as well, when we borrow too much. Borrowing should always only be entered into with careful consideration of all the factors involved. - [Getting Approved for Loans](https://www.marketreview.com/loans/getting-approved/) - There a number of factors that lenders consider when you apply for a loan through them. Having a good understanding of what lenders seek and how they judge creditworthiness can be quite helpful for potential borrowers. - [Why People Get Loans](https://www.marketreview.com/why-people-get-loans/) - The main reason why people get loans is to get something now instead of later, or perhaps never, if they don't have the discipline to save for it. We need to make sure we're getting our money's worth out of the loan though. - [The Future of Banking](https://www.marketreview.com/banking/future/) - Technology has driven many improvements in the world of banking, and will continue to be the driving force behind its future evolution. The main restraint continues to be the acceptance level. - [Bank Stocks as Investments](https://www.marketreview.com/bank-stocks-as-investments/) - Banks tend to be quite profitable over time, but this doesn't mean that one should necessarily just hold them. Bank stocks do better in good times and poorer in bad times and if we can time this right we can really profit. - [Banking Becomes More Inclusive](https://www.marketreview.com/banking-becomes-more-inclusive/) - Banking originally was set up for the financial elite. We've moved more and more away from that as the centuries have passed, and banking is now an essential and ubiquitous part of our lives. - [Banking Goes Digital](https://www.marketreview.com/banking-goes-digital/) - Just like many areas of life, banking has been revolutionized by the coming of technology. People can still bank the old fashioned way if they like, as it's all about what people want, but the new way to bank is certainly easier and better. - [Banks as Stores of Deposits](https://www.marketreview.com/banks-as-stores-of-deposits/) - Deposits are a fundamental component of banks, as this is where they get most of their capital to operate as banks. There are several types of deposit accounts, which pay interest to depositors. - [Banks as Investment Facilitators](https://www.marketreview.com/banks-as-investment-facilitators/) - Banks play a prominent role in advising and facilitating investments among their clients. In order for these relationships to prosper, banks need to look beyond the sale and toward the client's long term well being. - [Banks as Lenders](https://www.marketreview.com/banks-as-lenders/) - Banks borrow money from depositors with the intention of lending this money out to others at a higher rate and making a profit. These arrangements do involve much skill to manage properly though. - [Banks as Payment Processors](https://www.marketreview.com/banks-as-payment-processors/) - While cash still is widely used as a method of payment, digital payments have really taken over as of late. Digital payments don't use cash at all, nor does the money go directly from payor to payee. - [Banks as Traders and Investors](https://www.marketreview.com/banks-as-traders-and-investors/) - In addition to taking deposits and making loans, banks are also heavily involved in investments, providing investments to people, making investments themselves, as well as being involved in financial markets and trading. - [How Banks Are Regulated](https://www.marketreview.com/how-banks-are-regulated/) - Preserving the health and public confidence in the banking system is a vital function of governments. In addition to looking to put out the fires that arise, governments also engage in fire prevention, by way of regulation. - [Who Does The Banking Sector Benefit?](https://www.marketreview.com/who-does-the-banking-sector-benefit/) - People tend to have some idea of the importance of banking in our everyday lives, but few realize just how important it is, and how banking greatly benefits the lives of all of us. - [How Banks Create Money](https://www.marketreview.com/how-banks-create-money/) - The way banks create money is something that can be a little hard to grasp, until you realize that credit and money are essentially the same thing, so increases or decreases in credit increase or decrease money itself. - [The History of Banking](https://www.marketreview.com/banking/history/) - Banking has been around in some form since the early days of recorded history, and has evolved over the centuries into the fairly secure and transparent banking institutions that we know today. - [How Banks Operate](https://www.marketreview.com/how-banks-operate/) - Most people have experiences dealing with banks, and most do on a day to day basis. Banks serve a very important function in the financial world, from the biggest players to the smallest ones. - [Time Horizons in Stock Trading](https://www.marketreview.com/time-horizons-in-stock-trading/) - Stocks can be played in various timeframes, from a very short one to a very long one. Deciding what timeframe one wishes to trade in is very fundamental to any strategy of buying and selling stocks. - [Stock Trading Software](https://www.marketreview.com/stocks-trading-software/) - Stock trading software has evolved from a tool that not that long ago was only available to professional traders to putting powerful tools in the hands of everyday, casual stock traders. - [Sources of Information on Stocks](https://www.marketreview.com/stocks/sources-of-information/) - Information on stocks and stock investing and trading used to be very sparse. Nowadays, there is a huge amount of information out there on any and every aspect of buying and selling stocks. - [Trading Versus Investing](https://www.marketreview.com/trading-vs-investing/) - Stock trading and stock investing may seek the same objective, to make money in the stock market, but they involve very different strategies and techniques, as well as time frames. - [How Investors Benefit from the Stock Market](https://www.marketreview.com/how-investors-benefit-from-stock-market/) - The stock market has historically outperformed most other investments. It continues to be a very popular investment vehicle, and the popularity of it is actually what drives its success, by keeping demand high enough over time. - [How Companies Benefit from the Stock Market](https://www.marketreview.com/how-companies-benefit-from-stock-market/) - While there are certain perceived drawbacks to a company selling its shares to the public, the benefits do tend to significantly outweigh these. Both owners and the company generally benefit from public issue. - [Risk Versus Reward](https://www.marketreview.com/stocks/risk-vs-reward/) - Buying and selling stocks involve both an upside, how much money you can make, and a downside, how much money you can lose. This is determined by both the stocks you pick and how you play them. - [Trading Stocks Based Upon Fundamentals](https://www.marketreview.com/trading-stocks-based-upon-fundamentals/) - Fundamental analysis can be helpful to various degrees in deciding what positions to take in the stock market, but it also has some limitations that need to be understood to use this information properly. - [Trading Stocks Based on Technical Analysis](https://www.marketreview.com/trading-stocks-based-on-technical-analysis/) - Technical analysis provides traders with insights on where the price of a stock or other security may be moving based upon momentum. Trading on momentum can be pretty successful if you do it right. - [The Goals of Stock Trading](https://www.marketreview.com/goals-of-stock-trading/) - The goal of trading is obviously to make a profit, but there are a lot of ways to do this, some better than others. By formulating the best plans you can and then adapting, you can put yourself in a position to best succeed. - [The Economics of Stock Trading](https://www.marketreview.com/economics-of-stock-trading/) - Stock markets and stocks gain and lose value quite frequently. There are a number of things that affect this, but ultimately, it is the supply and demand itself, trader behavior, that sets the price of stocks. - [The Function of Stock Markets](https://www.marketreview.com/function-of-stock-markets/) - Stock markets handle hundreds of billions of dollars' worth of transactions each day, bringing buyers and sellers of stocks and other securities together in very well organized marketplaces. - [How Stock Trading Works](https://www.marketreview.com/how-stock-trading-works/) - There's more to trading stocks than just placing orders to buy and sell particular stocks. Success in trading stocks is really all about preparation, and the spoils go to those who are best prepared. - [Types of Stocks](https://www.marketreview.com/types-of-stocks/) - Stocks can be classified in a number of different ways, depending on what kind of stock it is, what category it is in, the sector it's in, and several measures relating to the type of performance that may be expected. - [The History of Stock Markets](https://www.marketreview.com/history-of-stock-markets/) - Stock markets have been around for a long time now, and while they started out as a place to do face to face transactions, they have evolved a lot lately, and now people can trade from anywhere in the world. - [Bond Funds](https://www.marketreview.com/bond-funds/) - Bond funds offer several advantages over buying bonds individually, although diversification really isn’t one of them. Only weaker bonds need to be diversified, but we can just stick to the ones that don’t. - [Ripple](https://www.marketreview.com/ripple/) - Ripple is most famous as a currency, the world’s third largest cybercurrency. Ripple is much more than that though, and its currency only plays a minor role in the overall Ripple payment system. - [Collateral Debt Obligations](https://www.marketreview.com/cdos/) - Some types of collateral debt obligations such as mortgage backed securities have taken a beating in recent years. This type of investment is not designed to be high risk though and things have settled down. - [Swaps](https://www.marketreview.com/swaps/) - Swaps deal with transferring risk from a party who is less able to manage it to one that is more able, and add efficiency in managing a given amount of risk. The amount of risk taken on is another matter though. - [Mortgage Insurance](https://www.marketreview.com/mortgage-insurance/) - Mortgage insurance is viewed generally as a necessary evil by borrowers. While it is indeed necessary if you don’t have at least 20% of the purchase price to put down, and it does cost real money, this cost pales in comparison to the benefits. - [Remortgage](https://www.marketreview.com/remortgage/) - Many people have a negative view of remortgaging, which is seen to be something to be avoided if possible. While we can abuse the ability to remortgage our homes, when used properly, it can provide some big benefits. - [Second Mortgages](https://www.marketreview.com/second-mortgages/) - Aside from having a place to live, home ownership can present a lot of advantages in managing our personal finances as well. It is important that we always look to see how we may benefit by using our equity. - [Collateral Mortgages](https://www.marketreview.com/collateral-mortgages/) - Collateral mortgages are like a mortgage and line of credit all rolled into one. If we expect to be using the line of credit part, having it built in does offer some advantages. There are some drawbacks though. - [Investment Loans](https://www.marketreview.com/investment-loans/) - Those who sell investments will often push clients to borrow to increase their positions. The hope is that we won’t think about this too much, although it is definitely necessary to do some real thinking. - [Revolving Loans](https://www.marketreview.com/revolving-loans/) - Revolving loans allow people to borrow whatever amount they need or wish, whenever they want to, up to a certain amount. Revolving loans present some unique and significant advantages over normal loans. - [Installment Loans](https://www.marketreview.com/installment-loans/) - While the different options involved with installment loans aren't that complicated at all, many people don't properly consider them when looking to get these loans. You can't always count on your banker to choose properly for you. - [Retail/Secured/Prepaid Credit Cards](https://www.marketreview.com/credit-cards/others/) - Aside from major credit cards such as Visa, MasterCard, American Express, and Discover, there are a number of other credit cards in the market. These other cards have their place and time as well. - [Discover Credit Cards](https://www.marketreview.com/credit-cards/discover/) - While not nearly as popular as their major competitors Visa, MasterCard, and American Express, the Discover Credit Card has carved out a nice piece of the market by looking to offer people something better. - [American Express Credit Cards](https://www.marketreview.com/credit-cards/amex/) - American Express got in on the ground floor of the major credit card business back in the 1950's, and have been a very prominent player on the charge and credit card scene ever since. - [MasterCard Credit Cards](https://www.marketreview.com/credit-cards/mastercard/) - MasterCard is a hugely popular credit card brand, with hundreds of millions of cards in use. Together with Visa, they are one of the two dominant players in the worldwide major credit card market. - [Visa Credit Cards](https://www.marketreview.com/credit-cards/visa/) - Originally starting out as BankAmericard, offered only in California by a single California bank, Visa has grown to become the most popular credit card in the world, and with it you can buy whatever you want, anywhere. - [Reinsurance](https://www.marketreview.com/insurance/reinsurance/) - Insurance companies take on the risks that we cannot manage ourselves. What if our insurance company can't manage their risks themselves though? They buy insurance for this, called reinsurance. - [Other Types of Insurance - Creditor, Mortgage, Travel & More](https://www.marketreview.com/insurance/other-types/) - If there is a need to protect a certain risk, and this risk is one we can determine, and this risk is one we'd rather not deal with ourselves, there's probably an insurance policy that we can get to protect us with. - [Commercial Lines Insurance](https://www.marketreview.com/insurance/commercial-lines/) - Just as people need to protect themselves from financial hardships due to potential losses, businesses also have similar needs, and the need for commercial lines insurance is a very significant and important one. - [Deposit Insurance](https://www.marketreview.com/insurance/deposit/) - The majority of countries have deposit insurance protection these days, and protecting deposits has become an extremely important feature of managing an economy. Confidence in banking must always be maintained. - [Long Term Care Insurance](https://www.marketreview.com/insurance/long-term-care/) - Many people require long term care, especially toward the end of their life when they cannot take care of themselves anymore. You can buy insurance to get protection here, but it's better to save up for this yourself. - [Liability Insurance](https://www.marketreview.com/insurance/liability/) - Liability insurance provides protection against the risk that you or your company may be sued in court. Additional protection may be purchased, which may make sense in cases where there is a large amount of assets to protect. - [Disability Insurance](https://www.marketreview.com/insurance/disability/) - Disability insurance keeps the money flowing if you become disabled and unable to work. Government benefits fall well short at best. To be sufficiently protected here, one must add additional coverage. - [Home Insurance](https://www.marketreview.com/insurance/home/) - Losses of one's home and its contents can be catastrophic if one is not sufficiently protected against this. Home insurance provides one with the peace of mind in knowing one is protected. - [Platinum](https://www.marketreview.com/platinum/) - Platinum is currently second only to gold as the most valuable precious metal by weight, and has surpassed gold in value at certain times already. Platinum is poised to do even better in the near future. - [CFDs](https://www.marketreview.com/cfd/) - The idea of trading with brokers isn’t a new one, as this was quite popular over 100 years ago. This has made a real comeback lately with CFD trading, which is in many ways a superior way to trade overall. - [Economics Of Investing](https://www.marketreview.com/economics-of-investing/) - An in-depth article about several economic principles which apply to investing. - [Binary Options](https://www.marketreview.com/binary-options/) - Binary options take otherwise complex options trading and simplify it enough that it becomes accessible to the masses. It is still important to develop one’s skills enough to trade this profitably though. - [Overusing Options to Hedge](https://www.marketreview.com/overusing-options-to-hedge/) - Hedging with options, in the right circumstances, can be a cost effective way of managing certain risks. 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