Generosity Wealth Management blog

There are few things the stock and bond markets hate more than uncertainty. Currently, part of that uncertainty is the unraveling of the European Monetary Union and the impact that will have on us here in the United States.

Since the beginning of the year (see January and April videos in particular) I have been optimistic, but I have to say my enthusiasm for this market is waning. The summer months, historically difficult in themselves, have me concerned with lower GDP numbers, continued unemployment leading to the election, but most importantly concerns about the debt problem… Read More

Tags: Bear, Debt, Europe, Market, Risk, S&P
Posted in Europe, Market Commentary, Videos | No Comments »

If you’re looking for my current thoughts in between newsletters, I encourage you to “like” my business page on Facebook.

It’s at

http://www.facebook.com/GenerosityWealth

While I’m reading articles and doing research during the week, I post links to share with you.

Check it out!

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Posted in GWM Firm Announcements | No Comments »

John Mauldin is one of my favorite newsletter writers.

This week’s newsletter speaks exactly to what my video above addresses–the elephant in the investment room is Europe.

I highly encourage you to set aside 10 minutes to read this weekend’s newsletter. It goes into greater depth than I can in the 3 to 4 minutes for my video.

Europe is the concern as we enter the dull summer months.

 Waving the White Flag

Tags: Debt, Europe, Fear, Globalization, Market, Risk, S&P, Volatility
Posted in Banking, Europe, Market Commentary | No Comments »

With increasing life expectancies, there is a very real risk of outliving your money or not living in the lifestyle you’d like.

This article is how to plan for a 30 Year Retirement, with some great suggestions about the retirement plan you create.

One of the best things I do for my clients is the planning, creation, and monitoring of a retirement plan. This is not only before retirement, but after as well.

If you don’t have a retirement plan… Read More

Tags: Retirement, Risk
Posted in Financial Planning, Retirement Issues | No Comments »

So, have you ever wondered what the best places (in terms of return on your investment) in the game of Monopoly are?

Who would have thought it’s Connecticut Ave at 162.2% with a hotel? Mediterranean is the worst at 80.6%

Boardwalk and Park Place? 142% and 111%.

On those rainy summer evenings, I encourage you to perfect your Monopoly game!

 The Inefficient World of Monopoly

Posted in Funny / Interesting | No Comments »

I’m asked periodically what I think of “market timing” or “active management” versus a straight buy and hold philosophy.

My first response is usually to ask for a definition of those terms. While it may be obvious to the person asking the question, if you ask 3 people you’ll get 3 different answers.

In this week’s video, I propose some definitions, but also share that while I think active management is preferable over your traditional buy & hold, market timing is great in theory but hard to execute in the real world.… Read More

Tags: Dynamic Asset Allocation, Emotional, Fear, Greed, Market, Risk, S&P, Volatility
Posted in Behavioral Finance, Dynamic Asset Allocation, Market Commentary, Videos | No Comments »

If you’ve ever had the unpleasant task of putting a loved ones affairs in order after their death, then you’ve probably thought “I wish they’d done this or that to make things easier. If only they’d known!”

Well, now is the chance for you to do something different with your estate.

This article is a pretty good list of things you can start today

1. Physical Items Inventory

2. Non-Physical items Inventory

3. Credit Cards and Debts List

4. ………..

Click… Read More

Tags: Aging, Estate Taxes
Posted in Estate Planning, Personal Finance | No Comments »

If you’ve been following my newsletters over the years, you know I believe in diversification and that one of the key ingredients to reaching your goals is to avoid catastrophic financial events.

It’s important to note, as the table above illustrates, that not every investment has to make money. Limiting the size and number of the losses is important, and if avoiding any kind of loss at any time is your strategy, then you’ll always be on the sidelines.

Risk management is key, and with… Read More

Tags: Fear, Fundamental, Greed, Risk, S&P, Volatility
Posted in Behavioral Finance, Market Commentary | No Comments »

Nice article on the national scene about our local Boulder housing situation.

Lou Barnes from Boulder West believes prices have bottomed out, even if “a recovery is something else”.

Good, interesting article. Be sure to click on it.

 Boulder Colorado Housing

Tags: Housing, Real Estate
Posted in Real Estate | No Comments »

This has been an absolutely wonderful year for Generosity Wealth Management, thanks to my fortune in having great clients and the nice things they’ve said about me to others.

While it’s wonderful my business is growing, the natural consequence of that is that I’m mostly staying close to Boulder this summer, working away to prepare for the next 6 to 12 months.

But, it’s not all work and no play! This summer I’ll also be

1. Visiting our rustic family cabin in Dubois, Wyoming whenever possible

2. Continuing to mentor college age men as an alumni… Read More

Posted in Uncategorized | No Comments »

The first quarter of this year was very forgiving of any errors. We’ve had low volatility, generally positive economic reports, and even Europe has been less in the news than previously.

Watch my video for my thoughts about the 1st quarter, and to find out if I’m still optimistic for the 2nd quarter and rest of the year.

TRANSCRIPT:

Good morning! Mike Brady with Generosity Wealth Management and I am here in Boulder Colorado, giving you my first quarter review and my second quarter preview.

Absolutely wonderful first quarter; I’m… Read More

Tags: Emotional, Market, Risk, S&P, Volatility
Posted in Market Commentary, Videos | No Comments »

The VIX (implied volatility index) has become very steep.

The 7th contract (6 months out) is significantly higher than current implied volatility.

What does this mean?

It simply means that the market is pricing in risks of a correction later on in the year.

Will it happen? Nothing is for certain, and if you have a long term diversified strategy (which hopefully you do) then this may just be a bump in the road

&nbsp… Read More

Tags: Market, Risk, Volatility
Posted in Market Commentary | No Comments »

Are you interested in talking with me about your finances and investments but not sure if we’re the right fit?

I have clients of all portfolio sizes, ages, employment, and stages of life.

What I like to do is make a difference in someone’s life. Frankly, it’s just as rewarding for me to work with a young couple who are serious about planning and saving for their future as it is to manage portfolios and wealth for business owners and retirees.

Don’t be shy. If… Read More

Tags: Generosity
Posted in GWM Firm Announcements | No Comments »

China had its largest trade deficit in 22 years this past February of $31.5 billion.

Why? Weaker demand from Europe and the United States is one reason. Factories being temporarily shut down due to Chinese New Year could be another reason.

Is this seasonal anomaly or one more bad sign coming out of China?

Stay tuned

 CLICK FOR FULL ARTICLE

&nbsp… Read More

Tags: Asia, China, Downgrade, Europe, Globalization
Posted in Asia, Manufacturing | No Comments »

So, just in case you’re too lazy to hit the pre-programmed number on your phone to order a pizza, they now have a bluetooth enabled refrigerator magnet that you push and then it automatically orders your usual pizza at the usual pizza joint for delivery.

I’m glad I didn’t have this when I was in college.

 Fridge Magnet Lets You Order With Ridiculous Ease

Posted in Funny / Interesting | No Comments »

Are you a “lane changer”? In traffic, he’s the guy who’s constantly changing lanes, expending a lot of energy but doesn’t really get ahead.

We all know we’re supposed to “buy low and sell high”, but unfortunately your average investor doesn’t do that. When we look at the flows into and out of equity funds we find that people are pouring tons of money in when the markets are high and withdrawing at market bottoms.

Why? By the time people feel comfortable with the direction of the market (investor confidence is increasing), they’re looking at recent past data… Read More

Tags: Emotional, Fear, Greed, Risk, S&P
Posted in Behavioral Finance, Incentives, Personal Finance, Videos | No Comments »

An inverted yield curve in the US has predicted 6 out of 7 worsening economic conditions in our country since 1970.

In China, we don’t have the same type of statistics because of their young open economy, but recently their yield curve has “inverted”.

I’m watching this and realizing it’s just another of many economic indicators out of China pointing towards a slower economy.

I really don’t want much (if any) exposure to the Chinese Stock Market.

This also has consequences to the whole… Read More

Tags: Bonds, China, Globalization, Interest Rates
Posted in Asia, Banking, Interest Rates | No Comments »

Are you interested in talking with me about your finances and investments but not sure if we’re the right fit?

I have clients of all portfolio sizes, ages, employment, and stages of life.

What I like to do is make a difference in someone’s life. Frankly, it’s just as rewarding for me to work with a young couple who are serious about planning and saving for their future as it is to manage portfolios and wealth for business owners and retirees.

Don’t be shy. If… Read More

Posted in Behavioral Finance, Estate Planning, Financial Planning, GWM Firm Announcements, Personal Finance, Retirement Issues | No Comments »

The price of gasoline has definitely gone up over the past month and most experts expect it to continue its rise during the spring and into the summer.

Curious about how the price of gasoline goes up and down, and why?

This is a pretty good article describing the supply of oil, refineries, delivery of gas, etc.

Read it to be informed as the summer and higher prices come upon us.

THE STORY BEHIND GAS PRICES

Tags: Oil
Posted in Personal Finance | No Comments »

This is one of the funniest things I’ve seen in a long time….and only in America can you get away with it.

My wife met the creator of this unique musical instrument last week, I went to the website, and can’t believe he’s getting $10 per toilet paper roll instrument.

Good for him. Frankly, his sense of humor is so in tune (no pun intended) with mine that I want to buy one instead of making my own just to support his great imagination and website.

Funny… Read More

Posted in Funny / Interesting | No Comments »