Market Insights: Investing

A Great Recession Indicator/Pivot Point

A Great Recession Indicator/Pivot Point.


What to Look For:


  • Trucking transport is a valid tool for assessing a possible slow down.

  • Current trucking tonnage DOES NOT signal a recession, which we have discussed.


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IPO's, an investor's worst enemy.

IPO’s, an investor’s worst enemy.

Our Take:

  • Do your homework, more investors lose.


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The Dangers of being an Emotional Short-term Investor

  • There are many factors that play a role in the success of an investor’s retirement portfolio, and some of those, such as market volatility and corrections are out of our hands as investors. However, one of the biggest ways to hurt an investment portfolio is to be a short-term, emotionally driven investor! 
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Wells Fargo Fined $65M For Sales Practices That Cost Investors Millions!

  • Wells Fargo told investors that its superior cross-sell strategy would increase revenue and better serve its customers
  • According to the New York AG’s office, the cross-sell efforts were built on sales practice "misconduct" at the bank

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10 Scams That Will Ruin Your Retirement

  • Falling victim to fraud is especially painful for retirees whom are counting on the fixed income from their nest eggs and Social Security benefits.

  • The median fraud loss was $500 for victims in their 60s, $621 for victims in their 70s, and $1,092 for victims 80 and over.

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Retirement Is in Peril for Most Working-Class Americans, Warns New Report

  • Retirement is in peril for most working-class Americans cautions a new report by the National Institute on Retirement Security

  • Oakley (NIRS Executive Director) says causes of the retirement savings shortfalls include fewer workers having stable and secure pensions and the replacement of workplace pensions with 401(k)-style defined contribution accounts which provide less savings and protection

  • NIRS says while the typical American needs 85 percent of their working income to maintain their standard of living in retirement, Social Security provides only 35 percent

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Why Investors Fail

6 Crucial mistakes cause investors to earn poor returns or even lose money

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4 Retirement Planning Mistakes You Probably Don't Even Realize You're Making

  1. Relying too heavily on Social Security

  2. Assuming your living costs will drop drastically

  3. Not taking advantage of catch-up contributions

  4. Forgetting about taxes

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Wells Fargo Said to Face DOJ Probe of Wholesale-Banking Business

  • The Department of Justice investigation is focusing on concerns that bank employees improperly altered customer data.

  • Some workers added information to internal customer records without the clients’ knowledge, a person briefed on the situation said in May.

  • Wells Fargo has struggled to move past a wave of scandals, which led to a Federal Reserve ban on increasing assets until the lender fixes its missteps.

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House Passes Bill Requiring Annual Counseling for Student Loan Borrowers

  • “Students and parents enrolled in federal loan programs will receive yearly counseling tailored to their needs,” Paul Ryan, House Speaker

  • “…with a complex federal financial aid system that provides little guidance to students, it’s often out of reach or leads to high student debt” – Ryan

  • The legislation is designed to improve “the timing, frequency and content of financial counseling,” - Suzanne Bonamici, D-Ore

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