Ric Edelman is the nation’s most acclaimed financial advisor, the #1 New York Times bestselling author of 11 books on personal finance with more than one million copies in print in seven languages, and founder of the nation’s largest financial planning firm, ranked #1 for quality by Consumer Reports. Every weekday, Ric gives you the information you need about the five personal finance topics that matter most today: longevity, retirement security, exponential technologies, digital assets, and ...
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The worlds of macro finance and crypto are continuing to draw closer together. On the Margin will host some of the greatest minds in the world of asset management, markets, and discuss how ideas that were once on the margin are now becoming mainstream.
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The award* winning Investors First Podcast is a service of CFA Society Orlando. Subject matter experts from our Society interview Founders, Chief Executive Officer’s, Chief Investment Strategists, Fed Presidents and more to discuss timely and relevant topics in finance. Our mission is to educate investors and investment professionals in Florida, the Americas and beyond, with a focus on making you a more informed investor and/or advisor. *The CFA Institute awarded CFA Society Orlando the 2020 ...
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Ultra-processed foods, like hot dogs and chips, have been linked to an increased risk of dementia and cognitive decline, highlighting the importance of mindful eating. Adopting a healthy lifestyle—focusing on natural foods, exercise, and mental stimulation—can significantly reduce this risk and promote better brain health. Plus, an ETF to create a …
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The Fed’s Dilemma: Deflationary Cliff Or Debt Spiral | James Lavish
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In this episode, James and Felix discuss the latest Federal Reserve interest rate decision, the impact of quantitative easing & tightening, and the consequences of trillion-dollar annual deficits. We also delve into the repo market, why the Fed is disconnected from inflation, the role of hard assets like Bitcoin and gold, and much more. Enjoy! — Fo…
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An interior designer specializing in college dorms, highlights a trend where students now spend an average of $10,000 on dorm furnishings—more than their tuition. This lavish spending contrasts sharply with the rising rates of grade inflation, where students achieve higher GPAs while studying less. The phenomenon raises concerns about entitlement i…
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9/18/24: So You Think You Know Who I’m Voting For?
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In the run-up to the 2024 elections, I find myself undecided due to troubling aspects of both Donald Trump's associations and Kamala Harris's proposed economic policies. Trump's ties to controversial figures and Harris's potentially destructive tax plans on unrealized capital gains have left me questioning both candidates' suitability. As I grapple…
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9/17/24: Forget Medicine – This is the Key to Improving Your Health and Quality of Life
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Since 2000, there has been a significant rise in deaths and serious illnesses related to high blood pressure and obesity, affecting even younger people. But there is a growing shift towards healthier lifestyles, including reduced alcohol consumption and an increase in the popularity of non-alcoholic beer. Adopting a healthy lifestyle, including reg…
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9/16/24: Why Stablecoins Are the Hottest Thing in Crypto
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Stablecoins like Tether and Circle are providing a stable alternative to traditional investments, offering a secure way to store value and facilitate global transactions. As Wyoming prepares to launch its own stablecoin and discussions around Central Bank Digital Currencies (CBDCs) grow, the crypto landscape continues to evolve rapidly, despite Bit…
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Fed Cutting Cycle Imminent, What's Next for Markets? | Weekly Roundup
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This week we discuss the split odds between a 25 and 50 basis point cut at the Fed’s next meeting, market cutting cycle dynamics, and the rotation from growth to value. We also delve into the latest inflation data, rising labor productivity, and the outlook for crypto Enjoy! – Follow Ram: https://x.com/ramahluwalia Follow Quinn: https://x.com/qthom…
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9/13/24: Is Your Plan to Fund Your Retirement Based on the 4% Rule?
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The traditional 4% withdrawal rate from your investment savings may not last your lifetime, as you may be living to 100 or beyond. Plus, Ric discusses a variety of topics helpful to financial advisors with two leaders in the field. And Ric explains Donor-Advised Funds and endowments to a listener. #IdealClientProfile #ClientFocus #FinancialPlanning…
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Breaking Down the Disconnect Between TradFi & Crypto | Austin Campbell
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In this episode, Austin Campbell joins the show to discuss the modern banking system and how crypto is driving innovation. We also delve into stablecoin designs, their role in dollar hegemony, the pros and cons across the spectrum of decentralization, and much more. Enjoy! – Follow Austin Campbell: https://x.com/CampbellJAustin Follow Felix: https:…
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9/12/24: NASA, Formula One, and Your Healthcare: The Surprising Uses of Digital Twins
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The use of digital twins is now impacting every aspect of our daily lives. How does that impact you? And Ric explains the math behind the decision whether to get (and keep) Long Term Care insurance. #DigitalTwins #TechInnovation #FutureOfHealthcare #PersonalizedMedicine #AIInMedicine #ClimateModeling #FinancialRisk #DigitalTransformation #SpaceTech…
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9/11/24: Why Expensive Insurance is a Bargain
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There just may be a silver lining in the nation's rising insurance premiums, plus last night's presidential debate may do little to influence the decisions of uncommitted voters. And don't miss today's webinar at 1:00pm EDT on the impact of an expected reduction in interest rates. #DebateNight #KamalaHarrisPerformance #TrumpDebate #Election2024 #De…
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9/10/24: Are Children Hazardous to Your Health?
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Countries around the world are addressing low birth rates through innovative measures, such as recruiting immigrant housekeepers and importing students to fill school seats, while in the U.S., increasing parenting stress and financial burdens are contributing to historically low fertility rates and fewer grandparents. Plus, a listener's question ab…
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9/9/24: Ric Answers Your Questions About the Bitcoin & Ethereum ETFs
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Ric addresses a variety of listener questions about the world of cryptocurrency, focusing on the differences between ETPs, ETFs, and trusts, as well as the tax implications of these investment vehicles. He offers advice on whether to invest in Ethereum futures ETFs or switch to spot ETFs. Ric also discusses the impact of the SEC vs. Ripple court ru…
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Fed Easing Will Match Weakness In The Labor Market | Weekly Roundup
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This week we discuss the soft jobs report and how it compares to the other data, the state of the yield curve and credit markets, and how China is bringing down commodities. We also delve into AI centralization, the outlook for Bitcoin and crypto, and much more. Enjoy! – Follow Quinn: https://x.com/qthomp Follow Felix: https://twitter.com/fejau_inc…
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9/6/24: These Two ETFs Give You Unique Exposure to the S&P 500 and Nasdaq 100
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Ric discusses two important ETFs to consider for both large and small-cap stocks through options in the S&P 500 or NASDAQ 100. This includes a detailed explanation of how to evaluate a company's performance and ROI...before you invest. Plus, Ric answers a listener's question about the relationship of blockchain technology to AI and its role in data…
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9/5/24: Crisis in Academia: 500+ Colleges Close, Stranding Million+ Students
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Over 500 colleges in the U.S. have closed in the past decade--many abruptly--stranding many students now struggling to continue their education. Financial transparency in higher education remains limited, and smaller, rural liberal arts colleges are particularly vulnerable to closure. Ric's tips on avoiding this dilemma for your college student. #C…
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Jeremy Schwartz, CFA – Currency Hedging, Legacy of Professor Siegel & Innovation in ETF’s
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Today’s guest is Jeremy Schwartz, CFA, Global Chief Investment Officer at WisdomTree. Before Jeremy started at WisdomTree in 2005, he was a head research assistant for Professor Jeremy Siegel and became his co-author on the sixth edition of the book Stocks for the Long Run. He received his B.S. in economics from the Wharton School of the University…
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9/4/24: Did Gensler Just Reveal Kamala’s Crypto View?
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While Donald Trump has stated his views on crypto, Kamala Harris remains silent. Ric explains recent legal action by the SEC and how it may reveal her likely position. #CryptoPolitics #Election2024 #CryptoRegulation #KamalaHarris #DonaldTrump #Economy #Bitcoin #Blockchain #VoterIssues #OpenSea #SEC #DigitalAssets #CryptoCommunity #NFTs #SingleIssue…
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Why The Fed Shouldn’t Cut Rates | Eric Wallerstein
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In this episode, Eric Wallerstein joins the show to discuss why the labor market is cooling (not crashing), the decline in the personal savings rate, and increasing labor productivity. We also break down GDP, the credit markets, and how to rethink asset allocation in today's market. Enjoy! – Follow Eric Wallerstein: https://x.com/ericwallerstein Ya…
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9/3/24: A Roadmap for Voting in the 2024 Election
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Choosing between Trump and Harris...do you prioritize personality or policy? Ric looks at the impact on your financial future and the economy as a whole. Hashtags: #Election2024 #PresidentialElection #Politics #VoterDecision #PolicyOverPersonality #USPolitics #Trump2024 #Harris2024 #EconomicPolicy #VotingMatters ----- Subscribe to podcast updates: …
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NVIDIA Passing The Baton From Growth To Value | Weekly Roundup
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This week we discuss NVIDIA's latest earnings, the ongoing market rotation from growth to value, and the connection between credit spreads and unemployment. We also delve into the health of the consumer, the future Federal Reserve balance sheet, and Bitcoin geopolitics. Enjoy! -- On the Margin Survey: https://on-the-margin.beehiiv.com/forms/5c7fc92…
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8/29/24: Why Do You Still Own Mutual Funds?
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Mutual funds may have been great in the past, but it's time to move on—ETFs offer lower costs, better tax efficiency, and real-time pricing. If you're still holding mutual funds, ask yourself why. Plus, age shouldn't dictate your investment strategy—at 69, staying in the market could be crucial for your financial future. If you're told otherwise, i…
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8/28/24: New Evidence that Crypto is Going Mainstream
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Despite political division on crypto, developments like BRICS' digital payment system, U.S. government adoption, and rising institutional interest underscore the growing significance of blockchain and digital assets in global finance. And why you need to talk to your financial advisor about it. #Cryptocurrency #Blockchain #DigitalAssets #BitcoinETF…
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The Bull Market Will Continue Into 2025 As Liquidity Heads Higher | Michael Howell
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In this episode, Michael Howell of CrossBorder Capital joins the show to discuss the uptrend in global liquidity, a possible Shanghai Accord 2 to weaken the dollar, and the relationship between debt and liquidity. We also discuss the real breakeven inflation rate, the yield curve, and why you need monetary inflation hedges. Enjoy! -- Follow Michael…
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8/27/24: New Research Answers the Question: Is College Worth It?
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A new study reveals that nearly a quarter of bachelor’s degrees and half of master’s degrees have a negative ROI, challenging the assumption that college always pays off. Plus, Ric answers a question from a financial advisor about the lack of regulations governing stablecoins like Tether and USDC, which heightens the risk of a financial crisis with…
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Retirement is approaching for Generation X, raising crucial questions about future living arrangements and financial readiness. This episode challenges you to think ahead and make informed decisions that align with your family's needs and your own long-term security. #RetirementPlanning #GenX #FutureHousing #AgingInPlace #FamilyDecisions #Boomers #…
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The Fed Put Is In & Global Easing Has Begun | Weekly Roundup
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This week we discuss Powell’s dovish Jackson Hole speech, employment outweighing inflation, and Kamala Harris’ newly-proposed economic policies. We also dive into the credit markets, crypto regulation, and altcoins. Enjoy! -- On the Margin Survey: https://on-the-margin.beehiiv.com/forms/5c7fc920-a57a-496b-9708-1d137bd3014b Roundup Chart Deck: https…
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8/23/24: This Economist’s Proposal Won’t Solve the Social Security Crisis
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In this election season, Social Security should be a key topic of debate due to its impending funding crisis, which could lead to a 25% reduction in benefits by 2032. Then Ric and industry experts discuss the challenges of organic growth for financial advisors, noting the shift from individual client acquisition to broader strategies. And Ric answe…
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8/22/24: Iran's Surge in Cosmetic Surgery and 3D-printed Communities: The Expanding Impact of Exponential Technologies
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Exponential technologies continue to revolutionize industries, creating new opportunities and challenges. However, the anticipated great wealth transfer won't be enough to secure retirement for most, highlighting the need for proactive financial planning. #ExponentialTech #3DPrinting #CosmeticSurgery #TechInnovation #FutureTech #WealthTransfer #Ret…
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Generating Alpha In Macro | Capital Flows
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In this episode, Capital Flows joins the show to discuss his macro philosophy & framework, why he was bullish after the VIX surge, and his views on the yield curve. We also discuss the equity bull market, whether the Fed will allow a recession, and the key drivers of bitcoin's price. Enjoy! -- Follow Capital Flows: https://x.com/Globalflows Capital…
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When planning your will, don’t forget your pets. Protect them by naming a caregiver and setting aside funds to ensure their well-being after you're gone. #EstatePlanning #PetCare #WillsAndTrusts #FinancialPlanning #PetTrusts #LegacyPlanning #PetOwners #FamilyPlanning #LegalAdvice #ProtectYourPets ----- Subscribe to podcast updates: https://form.jot…
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8/20/24: Estate Planning Essentials to Ease the Burden
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Learn how to simplify estate planning and protect your family from future hassles. Plus, a no-nonsense comparison of bitcoin ETFs vs. direct ownership—find out which one might be better for you. #EstatePlanning #BitcoinETFs #FinancialPlanning #CryptoInvesting #RetirementPlanning #WealthManagement #PersonalFinance #InvestSmart #CryptoSecurity #Legac…
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8/19/24: Guess Who’s Living With This 95 Year-Old Woman?
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The profound demographic shifts affecting society: the rising trend of younger generations opting out of parenthood and the financial implications. Plus, the importance of planning for long-term care and insurance costs. #Demographics #Longevity #Parenthood #RetirementPlanning #FinancialSecurity #EggFreezing #LongTermCare #GenerationalShifts #Socia…
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This week we discuss the back and forth between recession and soft landing, the bond market’s economic signals, and the Fed's measured response to the market sell-off. We also delve into the massive VIX decline, July’s CPI, and the frustrating crypto market. Enjoy! -- On the Margin Survey: https://on-the-margin.beehiiv.com/forms/5c7fc920-a57a-496b-…
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8/16/24: The Huge Difference Between Inflation and the Inflation Rate
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On today's show, we unpack the real story behind the recent 2.9% inflation rate and why it doesn't mean relief from high prices. Plus the implications for your investment portfolio as the Fed considers interest rate cuts. We'll also look at the new trend in AI scams. Then we shift focus to college planning strategies with insights on how to navigat…
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8/15/24: The Real Estate Reckoning: Is a Replay of 2008 Coming?
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Exploring the risks lurking in commercial real estate, from inflated bond ratings to rising foreclosures, and what this means for your investment strategy. #CommercialRealEstate #CRE #BondMarket #FinancialRisks #InvestmentStrategy #CreditRatings #Foreclosures #EconomicOutlook #InvestmentTips #FinancePodcast ----- Subscribe to podcast updates: https…
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8/14/24: Parents Co-Signing Mortgages Has Election Implications
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The rising trend of parents co-signing mortgages has surprising election implications, reflecting the struggles of today’s homebuyers. Plus, get ready for a fun break with a new film by Ric’s brother that’s sure to bring some smiles. #RealEstate #HomeBuying #MortgageTips #Election2024 #FinancialPlanning #ParentalSupport #RetirementPlanning #Documen…
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8/13/24: The Insurance Industry’s Latest Battle Against Consumer Protection
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The insurance industry is pushing back hard against consumer protection, and your retirement could be at stake. Learn why their fight against the fiduciary rule matters to your financial future. #RetirementPlanning #ConsumerProtection #FiduciaryRule #InsuranceIndustry #FinancialSecurity #WealthManagement #RetirementRisk #PersonalFinance #Investment…
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8/12/24: Beware Those Who Continue to Bash Crypto
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On today's show: We need to acknowledge the inaccuracies that are being made by some when it comes to crypto. And we need to let people know that it's safe to get in the water. Maybe crypto is risky and dangerous and illicit 10 or 12 years ago. That was then; this is now. You have to ask yourself, who am I going to pay attention to? What position a…
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The Mystery Behind The Stock Market Sell-Off | Alex Campbell
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In this episode, Alex Campbell joins the show to discuss volatility, "Magnificent Seven" concentration, and dispersion trades. We also unpack the mechanics of the carry trade, how short volatility and hedging strategies are shaping the markets, and the role of artificial intelligence in finance. Enjoy! -- Follow Alex: https://x.com/abcampbell Follo…
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Recession vs Rebound Debate | Weekly Roundup
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This week we discuss the unwinding of the carry trade, the impact of correlations during deleveraging events, and which assets stand to benefit the most from increased liquidity and upcoming rate cuts. We also delve into the widening of credit spreads, steel man the recession argument, and examine the state of the labor market. Enjoy! -- Follow Qui…
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8/8/24: Freezing Brains: New Research Breakthrough
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Scientists can now freeze brain tissue and study it after thawing—what could this mean for neurological research? Plus, find out why reverse mortgages aren't the solution for Boomers running out of money. #BrainResearch #Neurology #ScienceBreakthrough #BrainFreezing #ReverseMortgage #Boomers #RetirementPlanning #FinancialAdvice #AgingCrisis #Retire…
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Sahm Rule Triggered, Are We In A Recession? | Claudia Sahm
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In this episode, Claudia Sahm joins the show to discuss her namesake recession indicator the Sahm Rule. We deep dive into unemployment, whether or not we are in a recession, and how the Federal Reserve should be reacting. Enjoy! -- Follow guest: https://x.com/Claudia_Sahm Follow Felix: https://x.com/fejau_inc Follow On The Margin: https://twitter.c…
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8/7/24: Al Michaels Recaps the Olympics – But Is It Really Him?
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Al Michaels recaps the Olympics, but it might not be what you think. Plus, learn why a Police Chief decided to get certified in digital assets. #Olympics #AlMichaels #AI #DigitalAssets #CryptoCertification #Blockchain #FinancialEducation #TechTrends #Innovation #PoliceChief ----- Subscribe to podcast updates: https://form.jotform.com/22361475158015…
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8/6/24: Ric’s Take on Yesterday’s Market Decline – and a Fortress Option for You
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Ric Edelman on the recent market drop and why you shouldn't panic. Plus, find out if hiring a financial advisor is right for you. #MarketCrash #Investing #FinancialAdvisor #RetirementPlanning #StockMarket #Crypto #Recession #InvestmentStrategy #Economy #PersonalFinance ----- Subscribe to podcast updates: https://form.jotform.com/223614751580152 Ask…
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8/5/24: Crypto Market Crash: Is This a Buying Opportunity?
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Crypto markets have crashed, but is this the perfect time to buy? Discover why now might be the best opportunity to invest in bitcoin and Ethereum. Plus, find out what I'm doing with my Grayscale Ethereum ETF investments. #CryptoCrash #Bitcoin #Ethereum #Investing #Grayscale #CryptoOpportunity #ETFs #FinancialAdvice #MarketTrends #CryptoInvestment …
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Why Are Markets Unwinding? | Weekly Roundup
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This week we discuss another volatile week in markets with the continuing deleveraging that took place as on the back of a data heavy week. We discuss our takeaways from FOMC, QRA, economic data & the market reaction. Enjoy! -- On the Margin Survey: https://on-the-margin.beehiiv.com/forms/5c7fc920-a57a-496b-9708-1d137bd3014b -- Follow Quinn: https:…
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8/2/24: The Link Between Dementia and Financial Mistakes
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Shocking new data reveals how financial mistakes could indicate dementia. Plus, estate planning trends with Chris Morgan of The Sanibel Captiva Trust Company – and why ETF closures aren't a big deal. #DementiaAwareness #FinancialHealth #EstatePlanning #CognitiveDecline #FinancialSafety #ETFInvesting #RetirementPlanning #WealthManagement #FinancialL…
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The Economy Remains Strong, Stocks Continue To Melt-Up | Danny Dayan
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In this episode, Danny Dayan joins the show to break down what he is seeing in markets post FOMC. With rate cuts expected & markets continuing to melt up, Danny makes the case for why the Fed shouldn't be cutting rates here. Enjoy! -- Follow Danny: https://x.com/DannyDayan5 Follow Felix: https://x.com/fejau_inc Follow On The Margin: https://twitter…
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8/1/24: The Toll of Caregiving: Surprising New Data
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Shocking new caregiving stats reveal the hidden costs and challenges caregivers face. Plus, why deciding when to start Social Security isn't as simple as you think. #Caregiving #FinancialPlanning #EstatePlanning #SocialSecurity #RetirementPlanning #Caregivers #FamilyFinance #Dementia #ElderCare #PersonalFinance ----- Subscribe to podcast updates: h…
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