Archive for June, 2013

Thoughts on Current Market News

I think of today’s video as my “mid-newsletter” thoughts, as I want to be timely in my communication with you. The stock and bond markets have been more prominent in the news lately, and I want to share with you my analysis. So, is it jumping off the ledge time, or is this just a part of the cyclical nature of the markets? Watch my video to find out my opinion.   Hi there. Mike Brady with Generosity Wealth Management, a comprehensive, full service, wealth management firm headquartered right here in Boulder, Colorado and I wanted to send out this ... Read More

What is Generosity Wealth Management’s Dynamic Value?

It’s been my experience that when people don’t reach their financial goals it’s not because they failed to buy stock A over stock B, or bought this mutual fund over another. Most of the time, it’s the bigger questions they’ve failed to answer, like “am I spending more than I earn?” or “what happens if I lose my spouse?”. What is the dynamic value Generosity Wealth Management brings to the table? A = helping clients answer and address these issues, and keep the big picture in mind. For a full discussion of this, listen to my short video where I ... Read More

Farewell 3% Mortgage Rates

Mortgage rates are going back up, and will more than likely stay up. However, they’re still very low from a historical point of view, with the normal being over 5.5% Why the increase? 1. The Fed is going to stop bolstering the housing market 2. The economy is no longer reeling 3. 3.3% rates were unprecedented For a deeper discussion of this, click on the link below Farewell 3% Mortgage Rates   Read More

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Financial Illiteracy

Americans’ grasp of concepts such as investment risk and inflation has weakened, lower than 2009, according to research reports. On the flip side, confidence is still high, and many people gave themselves high marks for managing their finances even as they were using payday loans or over-dawing their checking accounts. As my video above discusses, understanding some of the “big issues” can determine the success or failure in reaching your goals. You obviously have higher than average financial knowledge (because you’re reading my newsletter), but still let me know if I can help you or someone you know, in tackling ... Read More

Stock Market up 600%, but no Toilet Paper

Nothing illustrates the point that the stock market doesn’t always reflect properly the underlying strength of an economy than the Venezuelan stock market. Scarce basic necessities, but a stock market up over 600%. Disconnect? Bubble? Probably a yes on both. For Full Article Read More

Stay Cool Under Pressure

  I love this video because it shows a young man staying cool under pressure. The cymbal breaks during a performance of the “Star Spangled Banner”, and instead of panicking, he calmly places his remaining cymbal on the floor and salutes the flag for the remainder of the performance. I know it’s just a small event memorialized forever in a YouTube video, but it’s a reminder to me that when the unexpected happens, stay cool, and trust your instincts to do the right thing. Read More

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The Dow Jones Industrial Average is an unmanaged, price-weighted index of 30 large capitalization stocks with dividends reinvested.

The Standard & Poor’s 500 Index (“S&P 500”) is an unmanaged, market capitalization weighted index of 500 widely held stocks, with dividends reinvested, and is often used as a proxy for the stock market.

The Nasdaq Composite is an unmanaged, market capitalization weighted index of stocks listed on the Nasdaq Stock Exchange, and are reported as price return without reinvestment of dividends.

Indexes are often used as a proxy for the stock market and cannot be invested in directly.