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Your Survival Guy’s 2024 Super States: Time to Flee?

Your Survival Guy’s 2024 Super States is in, and I wonder: Is it time to flee? Because this is the beginning stages of a tectonic shift in America. You and I know the moving vans are gassed up and running. They’re ready to leave the big, blue-blob states on both coasts and elsewhere. No longer […]

You Can Come Up Empty Handed When Reaching for Yield

The Wall Street Journal recently gave readers four examples of areas to pick up yield as alternatives to money market accounts or CDs: Multiyear guaranteed annuities Defined-maturity ETFs Preferred stocks Exchange-traded debt Your Survival Guy would not recommend a single one of these. Here’s what the WSJ had to say about annuities: MYGAs, as these […]

With AI, You Get Out What You Put In

In a rush to keep up with the artificial intelligence (AI) mania, Google recently released Gemini, its latest AI technology, to the public. The bot immediately angered users who asked for historical facts and were met with woke interpretations. The problem is, when AI learns from garbage woke opinions, users get garbage results. It’s a […]

DIVIDENDS: “Do or Do Not. There is No Try”

Ahhhh, cash, money, green. Sounds so nice. More money, less work. We all want it, and we all say we need it, but when it comes to investing, why do investors ignore it? I’m talking about dividends. In a “What have you done for me lately?” world, investors live or die on prices. Don’t be […]

Is It Any Wonder Residents Are Leaving New Jersey?

Is it any wonder residents are leaving New Jersey? The Wall Street Journal’s editorial board explains Governor Phil Murphy’s epic flip-flop on the state’s corporate surtax. They write: New Jersey Gov. Phil Murphy on Tuesday proclaimed the resurrection to much jubilation in Trenton. Lo, he plans to revive a corporate 2.5% surtax that lapsed a […]

Cato’s Chris Edwards on the Housing Affordability Crisis

America has a housing affordability crisis caused by the government that the government would like to fix with, you guessed it, more government. This is no way to solve it. When the government offers help, run. Cato’s Chris Edwards explains why the low-income housing tax credit (LIHTC) won’t work to solve the housing affordability problems, […]

DIVIDENDS: The Highest Yield Isn’t Always Best

Dividend yield is important, but sometimes, a high yield can be a warning. In the past fifty years, stocks with yields in the eighth decile have outperformed those with yields in the ninth and tenth deciles, as well as those in the sixth and seventh. Action Line: When you want to talk about dividends and […]

Be Careful When Choosing a Bank

Your Survival Guy wants your lazy cash working its tail off for you. That’s why I recommend my favored Treasury money market. But you have to be careful when choosing a bank. In The Wall Street Journal, Rachel Louise Ensign explains that not all banks are giving you what they advertise. She writes: A few […]

What Will Buyers Do When Liquidity Tightens Up?

Your Survival Guy sees the Treasury market losing its shock absorber as a path to higher interest rates. Not that I’m in the prediction business, but when liquidity tightens up, aren’t buyers going to demand higher interest on their money? Eric Wallerstein explains in The Wall Street Journal, writing: Participation is dwindling in a Federal […]

What We Learned in South Carolina’s GOP Primary

When President-elect Donald Trump named South Carolina Governor Nikki Haley ambassador to the UN, he praised his former critic as “a proven dealmaker.” In a statement, Trump said, “Governor Haley has a proven track record of bringing people together regardless of background or party affiliation to move critical policies forward for the betterment of her […]

JAPAN: A Return to Profits and Dividends

When the froth disappeared, guess what investors in Japan demanded? A return to profits and dividends. Remember, investing isn’t supposed to be exciting. It’s about participating, as an owner, in profits. They matter. In The Wall Street Journal, Peter Landers explains that investors in Japan are attracted to the dividends and share buybacks that add […]

My Two Favorite Buffett Quotes

With Saturday’s release of Warren Buffett’s annual shareholder letter, the WSJ did a piece on some of his best quotes through the years. Here are two that caught my eye. The importance of price “The first law of capital allocation—whether the money is slated for acquisitions or share repurchases—is that what is smart at one […]

The Arithmetic and Psychology of Stock Gains vs. Losses

With all the talk this week about stock market darlings, I thought it would be a good idea to talk about losses. Because losses can be temporary, just like gains, but losses tend to leave a scar. What’s amazing is how quickly losses are forgotten by investors, and the cycle repeats. Because, wait for it, […]

What You Can Do to Protect Yourself from Cellular Outages

Your Survival Guy’s iPhone was impacted by yesterday’s nationwide cell service outage. I was able to use WiFi and the SOS function. We also have a landline. But it was a stark reminder of how much depends on our cell service working properly. With loved ones living away from home, it’s not a bad idea […]

PENNY PROBLEMS: Is Something Broken at NASDAQ?

Alexander Osipovich reports in The Wall Street Journal that market veterans believe something is broken on the NASDAQ exchange, with wild trading happening in penny stocks like Bit Brother. Osipovich writes: It has become increasingly common for stocks with a low share price to experience huge bursts of trading volume. Fueling these frenzies are individual […]