Natalie Pace Blogs
Photo of Natalie Pace by Marie Commiskey. Avalon Photography.
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 NASA and Boeing welcomed Starliner back to Earth following the uncrewed spacecraft’s successful landing at 10:01 p.m. MDT Sept. 6, 2024, at the White Sands Space Harbor in New Mexico. Credit: NASA Will Boeing Get Booted Out of the Dow Jones Industrial Average? Why does this matter to your retirement plan? The Dow Jones Industrial Average Index consists of just 30 companies. One of those companies is Boeing, a company that has consistently made headlines over the past decade for all the wrong reasons (some of which are outlined below). Boeing’s credit rating is BBB- with a negative outlook. A downgrade would take the company to speculative status (junk bond, not investment grade), which disqualifies the company from the index. Does this matter to your retirement plan? Yes. Here are the topics we’ll cover in this blog. Dogs of the Dow The Challenges Keep Coming at Boeing Can Boeing Fix Things Without a Credit Downgrade and Delisting? Why Does This Matter to Your Retirement Plan? What Can You Do? And here is more information on each point. Dogs of the Dow It’s a little surprising that Boeing hasn’t been booted from the DJIA yet, given all the challenges the company has had, the low credit rating, and the fact that there are just 30 Blue Chips in the DJIA index. However, the index often sticks with former Blue Chips until the bitter end. AIG was removed on Sept. 18, 2008, days after the company received an $85 billion government bailout to avert bankruptcy. Amazon replaced Walgreens Boots Alliance on the DJIA on February 26, 2024, just five months before Walgreens was downgraded to junk by S&P Global on July 19, 2024. As I mentioned in a previous blog, there are many other old-school corporations listed on the Dow Jones Industrial Average that have been underperforming on Wall Street. These include chemical companies Dow Inc. and 3M, and Verizon and The Walt Disney Co. Below is a 5-year performance chart of the DJIA compared to the S&P500 and the NASDAQ Composite Index. As you can see, the DJIA is performing below both indices, and about half as strong as the technology and biotech-rich NASDAQ. The Dow Jones Industrial Average (blue) compared to the S&P500 (red) and the NASDAQ Composite Index (green)  Source: MSN.com. © Microsoft. Used with permission. The Challenges Keep Coming at Boeing The whistleblowers have been warning of endemic safety violations for years. Boeing left two astronauts stranded at the Space Station. They will return to Earth in February of 2025 on a SpaceX aircraft. Boeing workers have been on strike since Sept. 13th. Boeing has admitted guilt to a criminal fraud charge and agreed to a plea deal with the Department of Justice over the two crashes of 737 Max jetliners that killed 346 people. (That deal has yet to be approved by a Houston judge.) A door panel exploded out of a 737-9 Max jetliner during an Alaska Airlines flight over Oregon in January (2024). Not surprisingly, Boeing revenue slumped -14.61% in the 2Q 2024 quarter (from the same quarter the year prior). The company lost $1.4 billion in the 2nd quarter and anticipates another billion-dollar loss in the third quarter (source: Seattle Times). The strike has stopped production in Washington State and is now in its third week. Will all this result in the company’s credit rating dropping out of investment grade, causing the Dow Jones Industrial Average to boot it out of the 30-company index? If you would like an updated Airlines, Chemical, or Defense Stock Report Card, or a list of the DJIA companies, email [email protected]. Can Boeing Fix Things Without a Credit Downgrade and Delisting? After a series of terrible (criminal), greed-guided missteps in the C-Suite, Boeing is again trying a fresh hand at the helm of the company. Kelly Ortberg, Boeing’s new CEO, has an engineering background. Dave Calhoun, the CEO between January of 2020 and August 8, 2024, had an accounting background. Dennis Mullenberg, who was Boeing’s CEO between 2015 and 2019, also had a degree in aerospace engineering and a master’s in aeronatics and astronomics. How did things go so wrong under Mullenberg’s 4-year tenure as the CEO and chairman of Boeing (3 years)? Why did he lie and say that Boeing’s planes were safe after two horrific crashes? Can investors trust that the C-Suite environment has been cleaned up enough to put the company on the right track? On the positive side, most of Boeing’s board of directors were appointed in 2019 and thereafter. Kelley Ortberg promises to root out the problems at Boeing and “restore the trust of our customers and meet the high standards they expect of us,” according to the Seattle Times. On September 20, 2024, the top executive at the space and defense division of Boeing was canned by Ortberg. However, Stephanie Pope, who oversaw aerospace between April 2022 and December 2023, remains the COO of Boeing and the president and CEO of Boeing Commercial Airplanes. Even with the (mostly) new leadership, Boeing’s challenges will not disappear before more losses (hopefully limited to balance sheet and not lives) and bad news (like a credit downgrade) occur. The production halt is going to mean that Boeing’s trend of burning through cash is likely to continue through the end of 2024 (at least). Why Does This Matter to Your Retirement Plan? Why should you care whether Boeing gets downgraded? Many retirement plans and financial advisors offer DJIA-based funds because it is the most recognized index on Wall Street and purports to be the leading Blue-Chip Index. We’ve already seen how the Dogs of the Dow are muting the index’s performance compared to the S&P500 and the NASDAQ Composite Index. The DJIA lost 55% in the Great Recession, and took years to crawl back to even. The S&P500 dropped almost -40% in just four weeks between Feb. 19 and March 23, 2020. When you wait for the headlines that something terrible has happened, it’s too late to protect your wealth. When you keep enough safe and diversified and rebalance your wealth plan at least once a year, you might even earn gains in recessions (as Nilo Bolden did, during the Great Recession).  https://www.youtube.com/watch?v=gMmsuT84S7E What Can You Do? A time-proven 21st Century plan would always have us keep a percentage equal to our age safe and diversify our at-risk (stocks, equities) investments. Now that we are responsible for our own retirement plans, it’s key that we do this properly. We might also consider underweighting the DJIA and leaning into the S&P500 for the large cap allocations in our plan. We could even consider adding a hot slice or two of the NASDAQ Composite Index, or a targeted Magnificent 7 fund. This isn’t complicated. It’s actually as easy-as-a-pie-chart when you implement our time-proven 21st Century strategy. That’s why we call it the life math that we all should have received in high school and college. Bottom Line If Walgreens serves as an example, we might see Boeing get the boot from the DJIA and receive a downgrade from S&P Global. There are ifs in that sentence. Boeing has defied the naysayers and stayed in the DJIA for the past five years, through a lot of challenges that would have bankrupted most companies. It is possible that the debtors and investors will find creative ways to float Boeing until production is up and improved. However, even if the analysts believe that the new Boeing board and CEO can clean things up and turn things around in 2025, Boeing has at least a few more quarters of bad results to get through – something that usually results in selling. (The 5-year low was $95/share, while the current price is still $156/share.) These are all reasons to seek a more diversified portfolio in our nest egg, and to know clearly where our hard-earned money is invested and why. With stocks trading at an all-time high, now is the ideal time to do this. Join us at our online Oct. 18-20, 2024 Financial Freedom Retreat and our Bond/What's Safe Master Class Oct. 26, 2024. Learn how to: * Invest in hot industries, such as Nvidia and artificial intelligence, * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence and EVs), * Evaluate stocks, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. You'll even discover how to save thousands annually with smarter big-ticket choices. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Join us for our Online Oct. 18-20, 2024 Financial Freedom Retreat. Email [email protected] or call 310-430-2397 to learn more. Register with friends and family to receive the best price. Click for testimonials, pricing, hours & details.  Join us for our Restormel Royal Immersive Adventure Retreat. March 7-14, 2025. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. There is very limited availability. Register now to ensure that you get the exact room you want. (There may not be an opportunity to register after Sept. 15, 2024.) This retreat includes an all-access pass to all of our online training for a full year for two, and three 50-minute private, prosperity coaching sessions. Much more affordable than you might think. Email [email protected] to learn more.  Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Arkansas Sues Temu for Data Theft. We Must Be the Boss of Our Money. Why? Oil Prices Tumble. Why? Sweepstakes for the Release of The ABCs of Money. 6th Edition. Should You Go Conservative or Aggressive? 5% Yield without those Pesky Paper Losses. The Dow Drops 1400 Points. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Can Crowdstrike Recover from its Colossal Catastrophe? Featuring a Cybersecurity Overview. Fintechs and Brokerages that Fail are Not FDIC-Insured. Stocks Keep Hitting New Highs. Are You Thinking "Capture Gains?" Nvidia Volatility. Salesforce Drops. Election Years With Negative Yield Curves = ?. 5 Green Tips for Clean Beaches Week. Nio Sales Expected to More Than Double in 2Q 2024. So, You Think You Want to Be a B&B Owner... Artificial Intelligence and Crypto Scam Alert by the SEC. Netflix Evicts Unpaid Viewers. Empty Theaters. Retiring Soon? Start Planning Now. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. May is National Bike Month. Paris and Amsterdam are the Stars. AI, Gold & Copper are on Fire. Sunpower Doubled. Sell in May and Go Away? What About the Election? Vacations that Color Our World Forever. The Magnificent 7 Drop to the Fantastic 5 9 Inflation, Budgeting, Debt Reduction and Investing Solutions. China & Russia Double Their Gold Holdings. 2024 Investment of the Year? The Reddit IPO. Meme Stock or Snap Land? Tesla's Factory in Germany Taken Offline by Activists. Bitcoin Sets a New Record High. The Importance of Rebalancing. Beyond Meat's Shares Surge. Quaker Oats' Pesticide Problem. Stocks are Flying High. Why Aren't Mine? Cut Your Tax Bill in Half. 9 Tips. Celebrity Jet CO2. Green Washing. The Facts. Some Solutions. Copper: Essential to the Clean Energy Transition. Uh. Oh. More Bank Trouble. Are Amazon, Square and Other Tech Companies Ripping Us Off? Housing. Unaffordable. What Works? Case studies and creative solutions. Don't Reach for Yield. Closed-End Funds. 2024 Investor IQ Test. Answers to the 2024 Investor IQ Test. Apple's Woes Drag Down the Dow. The Winners & Losers of 2023. Ozempic, Magnificent 7 & Beyond. 2024 Crystal Ball. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. A Spectacular Year for 3 of the Magnificent 7. The Best ROI* (Almost 40%!) & 7 Life Hacks That Save Thousands. Portugal Eliminates Tax Advantages for Ex-Pats. Earn $50,000 or More in Interest. Safely. Finally. WeWork's Bankruptcy. Half-Empty Office Buildings. Problems in our Personal Wealth Plan. Solutions for Unaffordable Housing. Cruise Ships Give Freebies to Investors. Should You Take the Bait? Should You Take a Cruise? Bonds. Banks. The Treacherous Landscape of Keeping Our Money Safe. 7 Rules of Investing 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. China Bans Apple 11-Point Green Checklist for Schools. Artificial Intelligence and Nvidia's Blockbuster Earnings Report Biotech in a Post-Pandemic World 10 Wealth Secrets of Billionaires and Royals. What Happened to Cannabis? Bank of America has $100 Billion in Bond Losses (on Paper) Lithium. Essential to EV Life. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Are There Any Safe, Green Banks? 7 Ways to Stash Your Cash Now. Lessons from the Silicon Valley Bank Failure. Which Countries Offer the Highest Yield for the Lowest Risk? Why We Are Underweighting Banks and the Financial Industry. Save Thousands Annually With Smarter Energy Choices Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? My 24-Year-Old is Itching to Buy a Condo. Should I Help Him? The 12-Step Guide to Successful Investing. The Bank Bail-in Plan on Your Dime. Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly traded companies or funds mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect a diversified strategy, which has been designed with the assistance of a financial professional who is familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge and patience. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. Securities, financial instruments or strategies mentioned herein may not be suitable for all investors.
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 Arkansas Sues Temu for Data Theft. Temu Surpasses Target. Email [email protected] if you would like an updated Retail Stock Report Card. Temu was only founded two years ago. However, the company is everywhere on Instagram and TikTok, offering cheap goods that are mostly manufactured in and shipped out of China. The revenue growth of Temu’s parent company has been explosive, at 86% in the 2nd quarter of 2024. According to Comscore, Temu’s unique visitors in the U.S. were 70.4 million in August, compared to Target’s 67.8 million and Amazon’s 238.3 million. For a company founded just two years ago, this is quite an extraordinary feat. The fact that this is a Chinese company whose CEO is a data mining specialist adds a more troubling undertone to the success. When Chinese companies are experiencing prohibitive tariffs (electric vehicles) or outright bans (TikTok from all government devices) and Beijing-based equities are shunned by Wall Street, how has this Chinese retailer become so big in the U.S.? Will it last? Here are the topics we’ll cover in this blog. Chinese (Not Really Irish or Cayman Islands) Explosive Growth Walmart Wiped Out Main Street Merchants. Will Temu Wipe Out Walmart? Arkansas Attorney General Sues Temu The Atacama Desert in Chile Fossil Fuels, Oil and Fast Fashion “Shop Like a Billionaire” And here is more information on each point. Chinese (Not Really Irish or Cayman Islands) Temu is owned by PDD Holdings. PDD Holdings is run by Chinese executives. The Chairman and co-CEO Lei Chen is a data scientist who specializes in data mining, according to the company’s investor relations page. During the earnings calls, the co-CEOs answer questions in Chinese. The C-Suite is all Chinese and four out of six board members are Chinese (with one from Singapore and the other Dutch). The press releases list Dublin and Shanghai as the company headquarters. Chinese equities have been out of favor with investors since the Holding Foreign Companies Accountable Act became law (Dec. 18, 2020). While no publicly-traded Chinese mega-cap companies are currently at risk of being delisted from the NYSE or the NASDAQ stock exchanges, many top flyers are trading at all-time lows, including Alibaba and Weibo. PDD Holdings has had wild swings in price, surging to $200/share in February of 2021, and plunging to $35/share in March of 2022. PDD traded at $99.90/share at the close of trading on Sept. 20, 2024. Do Western investors and consumers know that PDD Holdings (Temu) is a Chinese company with a data mining scientist at the helm, or do they really believe that Temu is owned by the Irish? Explosive Growth Temu offers $16 shoes, $10 t-shirts, furniture with prices to challenge Ikea and even semi-automatic toy guns with “realistic shell ejection” (price $11). With prices that low, how is it that Temu’s parent company PDD Holdings enjoyed a 33% profit margin in the 2nd quarter of 2024, while Walmart and Amazon only managed 3% and 9%, respectively? While financial engineering could be at play, a few things are sure. The merchant-sellers are not getting rich and the laborers making the goods are likely to be exploited. Hundreds of Chinese merchants staged a protest at the Temu offices in Guangzhou, China on August 1, 2024, complaining about unjust fines levied by the company or payment that was being withheld on goods that were already sold (source: CNN). In the 2Q 2024 earnings call, PDD Holdings’ co-CEO Lei Chen explained that the higher margins were a “mismatch between the business investment and financial reporting cycle.” All the management team at PDD warned that profitability will decrease in the coming quarters, due to “changing consumer demand, intensifying competition, uncertainties in [the] global environment,” and increased corporate investments. CFO Jun Liu warned repeatedly that profitability doesn’t follow a linear path and that it would fluctuate in the short term and then “track lower” in the long term. Walmart Wiped Out Main Street Merchants. Will Temu Wipe Out Walmart? In the 1980s, Walmart made it impossible for Main Street merchants to compete with the rock-bottom prices of Chinese-made goods. Stores on Main Street were shuttered as Walmart megacenters began showing up across America. Today, Walmart is worth $635 billion. Amazon’s market value is an astonishing $2 trillion. PDD Holdings market capitalization is $136 billion. PDD specializes in agricultural products in China (with Pinduoduo) and competes with Amazon here in the U.S. with Temu. One of the major risks to Temu and PDD Holdings’ ultimate success, which is acknowledged by co-CEOs Lei Chen and Jiazhen Zhao, is the uncertainty of what they call the rapid shifts of the “external environment.” Many problems lie under the umbrella of this phrase, including geopolitical, supply chain and environmental challenges. The international tension between the U.S. and China has been well-publicized. Global supply chain challenges have escalated due to wars in the Middle East and Ukraine. The world is on fire, and consumers increasingly care about a company’s commitment to reduced CO2. Does all of this get thrown out the window in order to buy $10 shoes and clothes? (So far, sadly, the answer to that for many consumers is, "Yes.") Are there other challenges? Arkansas Attorney General Sues Temu According to Tim Griffin, the attorney general of Arkansas, “Temu is not an online marketplace like Amazon or Walmart. It is a data-theft business that sells goods online as a means to an end.” Having a data mining specialist as the CEO doesn’t help Temu’s case. Is it a coincidence that Walmart is an Arkansas company? (You might remember that the U.S. began a war on Huawei less than a month after Tim Cook, Apple’s CEO, joined Trump’s American Workforce Policy Advisory Board in February of 2019.) The Atacama Desert in Chile While PDD holdings acknowledges that environmental protection is one of the challenges the company faces, it offers no plan for going green. Meanwhile, the clothing dump of discarded fast fashion in Chile’s Atacama Desert is visible from space. PDD Holdings hasn’t filed an environmental impact report in at least four years, so it’s difficult to know the exact scale of the massive CO2 footprint Temu and Pinduoduo have. Temu’s cheap goods are at the forefront of fast fashion and overconsumption, with over a million packages shipped around the world daily (according to TechBuzzChina). Fossil Fuels, Oil and Fast Fashion Cheap clothing is mostly made of polyester, which is an oil-based product. From its origins (oil wells), to production (chemicals), to leaching those micro-plastics into our bodies and water supply when worn and washed, and finally taking up to two centuries to decompose, polyester is one of the worst CO2 footprints known. Sadly, this fact is not well-publicized, perhaps because there is a lot of money to be made up and down the supply chain. (India’s wealthiest man is a polyester magnate.) Learn more in my Fast Fashion blog. (Click to access.) “Shop Like a Billionaire” Temu’s Super Bowl Ad featured animation, sparkles and a Shop Like a Billionaire theme song. Everything from furniture to skateboards and clothing cost just 99 cents to $10 bucks in the ad. Campaigns on social media platforms, including TikTok and Instagram, target young consumers with hard-to-resist prices. Despite all of this, the Unique Visitors in the U.S. declined from a high of 90.5 million in July 2023 to 70.4 million in August of 2024. Will concerns about exploited labor, shafted merchants, clothing waste and data privacy, or a backlash against polyester, trend on social media, or will the ads continue to attract more and more unsuspecting consumers? Bottom Line Temu’s business model is troubling, as exhibited by the merchant protests in China. It is owned by a Chinese data mining specialist. PDD’s executives are promising to “adopt the necessary policies to vigorously support high quality merchants and tackle low quality ones.” However, the lack of mention of environmental policies, labor justice, merchant support or data privacy is quite deafening. The tricky maneuver of listing Dublin as the company headquarters, while the CEOs conduct quarterly meetings in Chinese, is something a meme stock investor might miss. However, eventually all these concerns could add up to a meteoric rise and spectacular crash and cautionary tale. I wouldn’t buy the merchandise or stock of this company. If I had in the past, I’d do everything in my power to scrub my information, including credit card and financial data, from their app and website. Join us at our online Oct. 18-20, 2024 Financial Freedom Retreat and our Bond/What's Safe Master Class Oct. 26, 2024. Learn how to: * Invest in hot industries, such as Nvidia and artificial intelligence, * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence and EVs), * Evaluate stocks, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. You'll even discover how to save thousands annually with smarter big-ticket choices. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Join us for our Online Oct. 18-20, 2024 Financial Freedom Retreat. Email [email protected] or call 310-430-2397 to learn more. Register with friends and family to receive the best price. Click for testimonials, pricing, hours & details.  Join us for our Restormel Royal Immersive Adventure Retreat. March 7-14, 2025. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. There is very limited availability. Register now to ensure that you get the exact room you want. (There may not be an opportunity to register after Sept. 15, 2024.) This retreat includes an all-access pass to all of our online training for a full year for two, and three 50-minute private, prosperity coaching sessions. Much more affordable than you might think. Email [email protected] to learn more.  Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest We Must Be the Boss of Our Money. Why? Oil Prices Tumble. Why? Sweepstakes for the Release of The ABCs of Money. 6th Edition. Should You Go Conservative or Aggressive? 5% Yield without those Pesky Paper Losses. The Dow Drops 1400 Points. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Can Crowdstrike Recover from its Colossal Catastrophe? Featuring a Cybersecurity Overview. Fintechs and Brokerages that Fail are Not FDIC-Insured. Stocks Keep Hitting New Highs. Are You Thinking "Capture Gains?" Nvidia Volatility. Salesforce Drops. Election Years With Negative Yield Curves = ?. 5 Green Tips for Clean Beaches Week. Nio Sales Expected to More Than Double in 2Q 2024. So, You Think You Want to Be a B&B Owner... Artificial Intelligence and Crypto Scam Alert by the SEC. Netflix Evicts Unpaid Viewers. Empty Theaters. Retiring Soon? Start Planning Now. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. May is National Bike Month. Paris and Amsterdam are the Stars. AI, Gold & Copper are on Fire. Sunpower Doubled. Sell in May and Go Away? What About the Election? Vacations that Color Our World Forever. The Magnificent 7 Drop to the Fantastic 5 9 Inflation, Budgeting, Debt Reduction and Investing Solutions. China & Russia Double Their Gold Holdings. 2024 Investment of the Year? The Reddit IPO. Meme Stock or Snap Land? Tesla's Factory in Germany Taken Offline by Activists. Bitcoin Sets a New Record High. The Importance of Rebalancing. Beyond Meat's Shares Surge. Quaker Oats' Pesticide Problem. Stocks are Flying High. Why Aren't Mine? Cut Your Tax Bill in Half. 9 Tips. Celebrity Jet CO2. Green Washing. The Facts. Some Solutions. Copper: Essential to the Clean Energy Transition. Uh. Oh. More Bank Trouble. Are Amazon, Square and Other Tech Companies Ripping Us Off? Housing. Unaffordable. What Works? Case studies and creative solutions. Don't Reach for Yield. Closed-End Funds. 2024 Investor IQ Test. Answers to the 2024 Investor IQ Test. Apple's Woes Drag Down the Dow. The Winners & Losers of 2023. Ozempic, Magnificent 7 & Beyond. 2024 Crystal Ball. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. A Spectacular Year for 3 of the Magnificent 7. The Best ROI* (Almost 40%!) & 7 Life Hacks That Save Thousands. Portugal Eliminates Tax Advantages for Ex-Pats. Earn $50,000 or More in Interest. Safely. Finally. WeWork's Bankruptcy. Half-Empty Office Buildings. Problems in our Personal Wealth Plan. Solutions for Unaffordable Housing. Cruise Ships Give Freebies to Investors. Should You Take the Bait? Should You Take a Cruise? Bonds. Banks. The Treacherous Landscape of Keeping Our Money Safe. 7 Rules of Investing 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. China Bans Apple 11-Point Green Checklist for Schools. Artificial Intelligence and Nvidia's Blockbuster Earnings Report Biotech in a Post-Pandemic World 10 Wealth Secrets of Billionaires and Royals. What Happened to Cannabis? Bank of America has $100 Billion in Bond Losses (on Paper) Lithium. Essential to EV Life. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Are There Any Safe, Green Banks? 7 Ways to Stash Your Cash Now. Lessons from the Silicon Valley Bank Failure. Which Countries Offer the Highest Yield for the Lowest Risk? Why We Are Underweighting Banks and the Financial Industry. Save Thousands Annually With Smarter Energy Choices Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? My 24-Year-Old is Itching to Buy a Condo. Should I Help Him? The 12-Step Guide to Successful Investing. The Bank Bail-in Plan on Your Dime. Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly traded companies or funds mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect a diversified strategy, which has been designed with the assistance of a financial professional who is familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge and patience. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. Securities, financial instruments or strategies mentioned herein may not be suitable for all investors.  We Must Be the Boss of Our Money. Why is this so important? Because having blind faith that others are protecting our future can be a very expensive lesson. Below are the topics we’ll cover in this blog. A Few Examples of Money Advice Gone Wrong + Better Strategies Financial Advisors Certified Public Accountants Real Estate & Mortgage Broker-Salesmen Stock & Insurance Broker-Salesmen Fintechs Estate Planning Attorneys Debt Reduction Specialists Time-Proven 21st-Century Strategies And here is more information on each point. .jpg) Adrian Peterson, running back with the Minnesota Vikings before a game against the Green Bay Packers at Lambeau Field on October 24, 2010. Photo by Mike Morbeck. Wiki Commons. Used with permission. A Few Examples of Money Advice Gone Wrong + Better Strategies Financial Advisors I recently learned about the heartbreaking story of Adrian Peterson, who is being held personally responsible for $12 million in debt that his financial advisor put him on the hook for. He had been told that he would never be responsible for the business personally. However, that was not what was listed in the agreement with the lenders. According to ESPN, Peterson has been ordered by a judge to turn over assets to the debt collectors. What is the important lesson here? Not only must we be the boss of our money, but we must also read the fine print. The fine print is what is enforced, not the conversation where we might have been misled or misinformed. Additionally, we need to know what we own, receive regular updates and understand whether we’re making or losing money (including those pesky “paper losses” that you might have heard about). Peterson’s debt reportedly started at $5.2 million in 2016, but has more than doubled due to interest and attorney’s fees. Certified Public Accountants In the introduction of The ABCs of Money (be sure to get the 6th edition), I share a very personal story about a friend that I lost to suicide. She had made a number of investments that almost bankrupted her. The money she invested was borrowed against a debt-free home that she had recently inherited. Many of the money pits were recommended by her CPA, who was receiving a notable commission for selling them to her. The third trust deeds that she was assured were safe and would offer her a great income were owned by a private company that ended up declaring bankruptcy. It’s quite difficult to recover funds from private companies without substantial legal costs – potentially even more than her initial investment. What is the lesson here? Anytime someone is offering us an investment opportunity, we need to know what their incentive is. Are they being paid a finder’s fee, a sales commission, a percentage of assets under management, or is this a multilevel marketing scheme? Have we been provided the proper documents to do our due diligence, or are we being asked to act now and have blind faith? Anytime someone is asking us to act quickly or miss the opportunity or is not providing the profit and loss statements that are necessary to do our due diligence, those are all reasons to walk away. You wouldn’t try to hit a ball blindfolded, and you shouldn’t try to invest using only blind faith. Real Estate & Mortgage Broker-Salesmen In the case studies of The ABCs of Money, sixth edition, I relate the story of a young successful businesswoman who purchased a condo in Miami at the top of the market in 2006. She was assured by her boyfriend and the mortgage broker that this would be a buy and flip situation where she would make enough money in a few short months to put a down payment on a home. She lived in a very expensive city on the West Coast, so this sounded like a golden opportunity. After her purchase the housing market started weakening, home prices began plunging. (The all-time high for that period was 2006.) She was on the line for the monthly mortgage payment, the HOA fees, and a home that was now worth less than what she paid for it. Not only did she lose the investment, but she was also on the hook for thousands of dollars monthly, plus legal fees, and potentially even phantom income if she tried to short-sale the property. She was desperate when she called our office. If you’d like to know how we helped her get out of that terrible situation, read the real estate section of The ABCs of Money. There are many tips for real estate that are very relevant for today’s market, whether you are considering buying, selling, downsizing, upsizing or any other real estate transaction. What’s the lesson here? There’s a lot more to consider before buying a house or a condo than just the simple math that you might be paying a smaller mortgage than your rent. That is not the only cost of ownership. If you buy high, then you potentially have the issue of an investment that could lose value. So, you need to evaluate all of these moving parts before making your purchase. Sadly, according to a survey conducted by Clever in 2024, up to 82% of homebuyers have buyer’s remorse, while 43% have struggled to pay their mortgage and 44% have taken on additional debt to maintain their standard of living. Due diligence comes up again as a primary theme. However, the real estate and mortgage broker were both showing their charts of just how high real estate prices had escalated in the Miami area and all of the people that were moving there. (Both were making a great commission on the purchase and the sale.) What potential downsides were missing from the pitch? Quite a few! One was that prices were unsustainably high, and people who lived in the area couldn’t afford to buy anymore. The other was that a lot of the people who were moving into the area were construction workers, who follow the jobs. When construction seized up and the jobs evaporated, the workers went back home. It’s not possible to do proper due diligence until we learn the life math that we all should’ve received in high school. While this requires learning at least the basics on the relevant data, considerations, macro trends, and other important statistics (that few salesman will ever show us), it’s quite empowering to be the boss of your money. Once we learn this, we have a solid financial foundation upon which to build the life of our dreams. Salesmen will always show us charts that help to make the sale. It’s our job to request and receive the full picture. Stock & Insurance Broker-Salesmen Most managed plans do whatever the market does. When stocks are high, everyone is happy. When stocks descend, everyone blames their broker. However, no amount of regret or complaining will make the lost money return. There is a very high turnover in the broker- salesman industry in recessions. In terms of insurance products, they are not FDIC-insured. Some can go down in value with the markets, while others might have fees and terms that we are not aware of and were not properly spelled out in the sales pitch. Again, here is where the fine print is going to be enforced, not whatever we were told. What is the lesson? Fix the roof while the sun is still shining. Don’t wait for stocks and real estate prices to drop before we protect our wealth. It’s easy to feel complacent when stocks and real estate prices are at all-time highs, as they are today. It’s also easy to want to jump in and join the party, hoping that prices will keep escalating ever higher. A better plan is more strategic than that. We want to have an age-appropriate, diversified, regularly rebalanced, nest egg strategy, and a housing and real estate plan that can survive a recession, while keeping more money in the family. The goal is to stop making the landlord (and the insurance salesman) rich. However, it must be down strategically. We will be hosting our 100-year Multigenerational Family Wealth Plan Masterclass soon. Email [email protected] with 100 Years in the subject line to learn more. Fintechs Fintech companies have become so popular that many of us don’t even know the difference between them and the bank. Cash App, Venmo, Paypal, Wealthfront, our brokerages who have a deal with a bank – all of these are not FDIC-insured against their own failure (only if their partner bank fails). This is a giant sinkhole in the FDIC-insured promises that so many are counting on. We will be hosting a Bond & What’s Safe MasterClass on October 26, 2024. You can also learn more in our Fintech blog. Email [email protected] with What’s Safe MasterClass in the subject line to learn more. Prerequisite: the 3-day Financial Freedom Retreat.  Restormel Castle was built in the Middle Ages and was occupied by The 1st Prince of Wales. Photo of Natalie Pace by Marie Commiskey. Estate Planning Attorneys It’s a great idea to stop making the taxman rich. If you’re not maxing out your retirement accounts (including a Roth IRA and a Health Savings Account), then you might be getting eaten alive in expensive capital gains taxes – particularly if you like trading and are subject to short-term capital gains. Estate planning attorneys can be an important part of our wealth preservation strategy, particularly as many are quite keen on tax strategies that most of us are not aware of, including foundations, DAFs (Donor-Advised Funds), legacy planning under the gift tax level, and other sophisticated, legal structures that help high-net worth individuals pay less in taxes (percentage-wise) than their executive assistants. However, here again, it’s important for us to be thinking about the complete picture. For instance, the attorney may have a great plan of how to put our home in a trust for the next generation, but are they also thinking about ways that we might stop making the landlord rich now, particularly if our young adult is a renter (and receiving a little help from the Bank of Mom & Dad). Should we have a vision that looks out 100 years, while also benefiting three generations now? While many estate-planning attorneys are astute on tax strategies, be sure that we are also factoring in having an age-appropriate, diversified portfolio that is rebalanced, as well. Protecting and growing our family wealth requires more than just trusts and taxes.  HOUSEHOLD DEBT AND CREDIT REPORT (Q2 2024) Debt Reduction Specialists We must be super careful when we are looking for debt reduction assistance, especially from people who say they can eliminate debt, and even more so if they charge us a fee upfront. A debt problem is a budgeting problem. So, any debt reduction plan must also include a Thrive Budget®. It is hard to acknowledge that the budget is the problem because many of us are not shopaholics. We might consider ourselves to be very frugal. Meanwhile, we’re drowning and going deeper in the hole, due to the high cost of the big-ticket items, including housing, transportation, healthcare and health insurance, food, gas and more. Each quarter, U.S. Household Debt keeps hitting new highs. https://www.newyorkfed.org/microeconomics/hhdc While it isn’t our fault that things are so expensive, extricating ourselves from the rat race in order to live a richer life today and provide better for tomorrow is only possible if we make brave, resourceful choices with regard to budgeting, investing, and reducing debt. There is $1.6 trillion in college loan debt. On average, Millennials and Gen Z are being forced to wait 7 years longer than Gen X and Boomers did to buy their first home. For many, owning a home may seem like a pipe dream. Whether you are a parent, a college student, high school student or someone who is thinking about going back to school for an advanced degree, student loans are an important factor in the College Experience. In The ABCs of Money for College, we outline how to get a better degree for up to half the cost and include important information on skills and trades that will be in high demand in the 21st Century that do not require a diploma.  Time-Proven 21st-Century Strategies Our time-proven 21st-Century budgeting and investing strategies are enthusiastically recommended by Nobel Prize winning economist Gary Becker, MacArthur Genius Award winning economist Kevin Murphy (and other VIPs), and are embraced and applauded by many Main Street investors and denizens. We’ve been saving homes and nest eggs since 1999, while adding a splash of green to Wall Street. You can read about them in The ABCS of Money 6th edition. You can learn an implement them at our 3-day Financial Freedom Retreat (online). You can consider getting an unbiased 2nd opinion of your current wealth plan through my private coaching. Email [email protected] or call 310-430-2397 to learn more. Bottom Line Stocks are at all-time highs. Real estate prices are at all-time highs. Rather than be complacent or jump in just to join the party, it’s important to protect and diversify our wealth now, while we still have plenty of options. Remember: most people don’t buy low because they can’t. When recessions hit and stock and real estate prices drop, most people are struggling. Few have the resources and vision to take advantage of lower prices and opportunities. So, fix the roof while the sun is still shining. Don’t have blind faith that someone else is doing this for you. Be the boss of your money and life. Know what you own and why. The sooner we do this, the faster our secure financial home gets built and our life transforms. Call 310-430-2397 or email [email protected] to learn more now. Join us at our online Oct. 18-20, 2024 Financial Freedom Retreat and our Bond/What's Safe Master Class Oct. 26, 2024. Learn how to: * Invest in hot industries, such as Nvidia and artificial intelligence, * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence and EVs), * Evaluate stocks, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. You'll even discover how to save thousands annually with smarter big-ticket choices. Yes, it's a complete money makeover. Email [email protected] to register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Join us for our Online Oct. 18-20, 2024 Financial Freedom Retreat. Email [email protected] or call 310-430-2397 to learn more. Register with friends and family to receive the best price. Click for testimonials, pricing, hours & details.  Join us for our Restormel Royal Immersive Adventure Retreat. March 7-14, 2025. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. There is very limited availability. Register now to ensure that you get the exact room you want. (There may not be an opportunity to register after Sept. 15, 2024.) This retreat includes an all-access pass to all of our online training for a full year for two, and three 50-minute private, prosperity coaching sessions. Much more affordable than you might think. Email [email protected] to learn more.  Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Oil Prices Tumble. Why? Sweepstakes for the Release of The ABCs of Money. 6th Edition. Should You Go Conservative or Aggressive? 5% Yield without those Pesky Paper Losses. The Dow Drops 1400 Points. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Can Crowdstrike Recover from its Colossal Catastrophe? Featuring a Cybersecurity Overview. Fintechs and Brokerages that Fail are Not FDIC-Insured. Stocks Keep Hitting New Highs. Are You Thinking "Capture Gains?" Nvidia Volatility. Salesforce Drops. Election Years With Negative Yield Curves = ?. 5 Green Tips for Clean Beaches Week. Nio Sales Expected to More Than Double in 2Q 2024. So, You Think You Want to Be a B&B Owner... Artificial Intelligence and Crypto Scam Alert by the SEC. Netflix Evicts Unpaid Viewers. Empty Theaters. Retiring Soon? Start Planning Now. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. May is National Bike Month. Paris and Amsterdam are the Stars. AI, Gold & Copper are on Fire. Sunpower Doubled. Sell in May and Go Away? What About the Election? Vacations that Color Our World Forever. The Magnificent 7 Drop to the Fantastic 5 9 Inflation, Budgeting, Debt Reduction and Investing Solutions. China & Russia Double Their Gold Holdings. 2024 Investment of the Year? The Reddit IPO. Meme Stock or Snap Land? Tesla's Factory in Germany Taken Offline by Activists. Bitcoin Sets a New Record High. The Importance of Rebalancing. Beyond Meat's Shares Surge. Quaker Oats' Pesticide Problem. Stocks are Flying High. Why Aren't Mine? Cut Your Tax Bill in Half. 9 Tips. Celebrity Jet CO2. Green Washing. The Facts. Some Solutions. Copper: Essential to the Clean Energy Transition. Uh. Oh. More Bank Trouble. Are Amazon, Square and Other Tech Companies Ripping Us Off? Housing. Unaffordable. What Works? Case studies and creative solutions. Don't Reach for Yield. Closed-End Funds. 2024 Investor IQ Test. Answers to the 2024 Investor IQ Test. Apple's Woes Drag Down the Dow. The Winners & Losers of 2023. Ozempic, Magnificent 7 & Beyond. 2024 Crystal Ball. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. A Spectacular Year for 3 of the Magnificent 7. The Best ROI* (Almost 40%!) & 7 Life Hacks That Save Thousands. Portugal Eliminates Tax Advantages for Ex-Pats. Earn $50,000 or More in Interest. Safely. Finally. WeWork's Bankruptcy. Half-Empty Office Buildings. Problems in our Personal Wealth Plan. Solutions for Unaffordable Housing. Cruise Ships Give Freebies to Investors. Should You Take the Bait? Should You Take a Cruise? Bonds. Banks. The Treacherous Landscape of Keeping Our Money Safe. 7 Rules of Investing 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. China Bans Apple 11-Point Green Checklist for Schools. Artificial Intelligence and Nvidia's Blockbuster Earnings Report Biotech in a Post-Pandemic World 10 Wealth Secrets of Billionaires and Royals. What Happened to Cannabis? Bank of America has $100 Billion in Bond Losses (on Paper) Lithium. Essential to EV Life. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Are There Any Safe, Green Banks? 7 Ways to Stash Your Cash Now. Lessons from the Silicon Valley Bank Failure. Which Countries Offer the Highest Yield for the Lowest Risk? Why We Are Underweighting Banks and the Financial Industry. Save Thousands Annually With Smarter Energy Choices Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? My 24-Year-Old is Itching to Buy a Condo. Should I Help Him? The 12-Step Guide to Successful Investing. The Bank Bail-in Plan on Your Dime. Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly traded companies or funds mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect a diversified strategy, which has been designed with the assistance of a financial professional who is familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge and patience. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. Securities, financial instruments or strategies mentioned herein may not be suitable for all investors.  Oil Prices Tumble to $69/Barrel. Why? What does this mean for the economy, our personal wallet, our investments and the bigger picture? On September 10, 2024, oil prices dropped as low as $65.59 per barrel (US WTI). Prices recovered somewhat to $66 by the end of the day. This is far below the $84 price on July 3, 2024, or the 5-year high of almost $121/barrel. (Prices clawed back to $69 on Thursday, Sept. 12, 2024.)  Below are the topics we’ll cover in this blog. Email [email protected] if you would like an updated Oil Stock Report Card. Why Did Oil Prices Tumble to $66/Barrel? How Will Lower Oil and Gasoline Prices Affect the U.S. and Global Economy? What Do Lower Oil and Gasoline Prices Mean for Our Personal Budgets? Should We Worry About (and Protect) Our Investments? What About the Bigger Picture (Clean Air, Water, Oceans, Animals and Humanity)? Sept. 22, 2024, is Global Car-Free Day And here is more information on each point. Why Did Oil Prices Tumble to $67/Barrel? On September 10, 2024, OPEC revised their 2024 demand growth forecast down to about 2 million barrels per day. Next year, oil demand is expected to grow by 1.7 million barrels per day. This is still well above the historical average before the pandemic. However, lower than expected demand was the driving force causing prices to drop so precipitously yesterday after the announcement. Some of the reasons why the demand has softened slightly include China’s aggressive move into electric vehicles and slow global GDP growth. According to the International Energy Agency, China had 8.1 million new electric car registrations in 2023, which is 30% higher than 2022. Over one million EVs were sold in August in China (source: Rho Motion). The move to electric vehicles over the internal combustion engine (ICE) means less gasoline than forecasted will be sold in China.  The Tesla Model Y was the bestselling vehicle in the world in 2023, with over 1.2 million deliveries. How Will Lower Oil and Gasoline Prices Affect the U.S. and Global Economy? High oil prices are highly correlated with recessions. In the chart above, the grey lines are recessions, and they match up with the high oil prices. When consumers have to spend more on their commute, they have less that they can spend on other bills, and certainly on discretionary items. Since the US economy is driven by the consumer, with 68% of GDP made up of consumer spending, lower oil prices can be positive for the U.S. economy, if the industry weakness isn’t too severe. The United States produces more crude oil than any other country. However, US consumers also use more gasoline (and other types of energy) than any other country. When the U.S. economy is strong, that’s positive for the global economy because the U.S. imports a lot of goods from other nations. Conversely, when the US sneezes, the world catches a cold. So far, so good. What Do Lower Oil and Gasoline Prices Mean for Our Personal Budgets? Thankfully, retail gasoline prices dropped to $3.24 a gallon. That is down from about $5/gallon in June 2022.  However, most of us are still struggling with unaffordable housing and unsustainable debt. Government leaders and central banks still have a lot of work to do to fix the imbalances. However, waiting for politicians to fix things can be very frustrating. There are ways that we can save thousands of dollars annually in our budget with smarter big-ticket choices. Email [email protected] and we will send you a few options on how you can learn budget-saving, life-transformational strategies. You can read about them in the 6th edition of The ABCs of Money. You can learn and implement them at our Financial Freedom Retreats.
Should We Worry About (and Protect) Our Investments? If oil prices remain under $70 a barrel, the next quarterly earnings reports for these oil companies will likely miss their guidance. They could also show a net loss on the quarter. Many of the oil companies are trading at or near their 52-week lows (with the weaker demand). However, prices are still relatively high on the five-year continuum, and could drop further when 3rd quarter 2024 earnings are released in October of this year. Supply and demand are key for oil company profitability and shareholder returns. Right now, both demand and production capacity are high. OPEC countries have recently reduced production in an attempt to keep prices at $80/barrel or higher. However, there are crises that can drastically change the formula. The all-time high oil prices were during the wars in Afghanistan and Iraq. (The wars in the Middle East and Russia/Ukraine can push prices higher, particularly if they expand beyond these regions.) While this might be positive for the oil industry, it can also be harmful by pushing the world economy into a deep recession. And, even when one industry is strong, the macro economy can change the trajectory on a dime. For instance, when the pandemic hit and the world shut down, oil prices plunged to negative territory, and the oil companies lost 60% or more of their share price in less than a month. As Andrew Lo, an MIT Professor, is fond of saying, “Physics has three laws that explain 99% of the phenomena, and economics has 99 laws that explain 3% of the phenomena.” Almost daily, we see stocks soar or plunge. The general trend since the Great Recession has been up. So, it’s easy to think that if we just “buy and hold,” everything will come up roses. However, 21st Century recessions dive far and fast, and then take years to recover. Many of us have oil or petroleum-based chemical companies in our portfolios, particularly if we have an insurance product, value fund or Dow Jones Industrial Average index fund. So now, with stocks trading at all-time highs, it’s a great idea to rebalance and protect our wealth. It’s not a matter of jumping all in or all out of the markets or oil stocks (unless you want to green your portfolio). It’s a matter of having an age-appropriate plan that is diversified, while earning 5% yield on the safe side (without paper losses). Join us at our Financial Freedom Retreat October 18-20, 2024, to learn time-proven, 21st Century strategies that earned gains in the Dot Com and the Great Recession, and outperformed the bull markets in between. What About the Bigger Picture (Clean Air, Water, Oceans, Animals and Humanity)? People living in the Middle East, Canadians, Americans, Australians, and Russians have the highest CO2 footprint per capita. Italy, Greece, Spain, and the U.K. have CO2 footprints that are about a third of those countries or less. Developing countries tend to have much smaller CO2 footprints, with Africa, having a rounding error of the rest of the world. A lot of that has to do with our commutes and our residential and building energy usage. There are many ways that we can lower our CO2 footprint, while still living a purposeful and rich life. Smarter choices can save us thousands in our budget, with only small fixes and changes in lifestyle. For instance, we can fix the leaks at home and make sure that we are not heating and cooling the outside air (even if we are renters). A simple timer on our water heater, or drying clothes on a line can result in a dramatic reduction on our MW usage (and utility bill). Read The Power of 8 Billion: It’s Up to Us for tips and information.  Sept. 22, 2024, is the Global Car-Free Day Driving everywhere in a single occupancy vehicle is an expensive, CO2-intensive endeavor. Switching to a more sustainable commute could save us $8000 or more annually each year. Why not try at least one day of using a different type of transportation on Sunday, September 22, 2024, which is the Global Car-Free Day. If you post any pictures or video online, be sure to use #EarthGratitude so that we can easily find and like it. Bottom Line Lower prices are good for consumers. However, oil companies want to keep prices above $80/barrel for their own profitability. So, I wouldn’t count on oil and gasoline prices remaining where they are for very long. Rebalancing our investments and protecting our wealth means that we don’t have to worry about the all-to-common wild peaks and valleys in equity and oil prices. Fixing our commute to be less reliant on expensive fuel like gasoline could help us balance our personal budgets and have more money for things we like a lot more than oil rigs – like bucket list vacations or saving up to buy a house. Join us at our online Oct. 18-20, 2024 Financial Freedom Retreat and our Bond/What's Safe Master Class Oct. 26, 2024. Learn how to: * Invest in hot industries, such as Nvidia and artificial intelligence, * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence and EVs), * Evaluate stocks, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. You'll even discover how to save thousands annually with smarter big-ticket choices. Yes, it's a complete money makeover. Email [email protected] to register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Join us for our Online Oct. 18-20, 2024 Financial Freedom Retreat. Email [email protected] or call 310-430-2397 to learn more. Register with friends and family to receive the best price. Click for testimonials, pricing, hours & details.  Join us for our Restormel Royal Immersive Adventure Retreat. March 7-14, 2025. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. There is very limited availability. Register now to ensure that you get the exact room you want. (There may not be an opportunity to register after Sept. 15, 2024.) This retreat includes an all-access pass to all of our online training for a full year for two, and three 50-minute private, prosperity coaching sessions. Much more affordable than you might think. Email [email protected] to learn more.  Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The Power of 8 Billion: It's Up to Us and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Sweepstakes for the Release of The ABCs of Money. 6th Edition. Should You Go Conservative or Aggressive? 5% Yield without those Pesky Paper Losses. The Dow Drops 1400 Points. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Can Crowdstrike Recover from its Colossal Catastrophe? Featuring a Cybersecurity Overview. Fintechs and Brokerages that Fail are Not FDIC-Insured. Stocks Keep Hitting New Highs. Are You Thinking "Capture Gains?" Nvidia Volatility. Salesforce Drops. Election Years With Negative Yield Curves = ?. 5 Green Tips for Clean Beaches Week. Nio Sales Expected to More Than Double in 2Q 2024. So, You Think You Want to Be a B&B Owner... Artificial Intelligence and Crypto Scam Alert by the SEC. Netflix Evicts Unpaid Viewers. Empty Theaters. Retiring Soon? Start Planning Now. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. May is National Bike Month. Paris and Amsterdam are the Stars. AI, Gold & Copper are on Fire. Sunpower Doubled. Sell in May and Go Away? What About the Election? Vacations that Color Our World Forever. The Magnificent 7 Drop to the Fantastic 5 9 Inflation, Budgeting, Debt Reduction and Investing Solutions. China & Russia Double Their Gold Holdings. 2024 Investment of the Year? The Reddit IPO. Meme Stock or Snap Land? Tesla's Factory in Germany Taken Offline by Activists. Bitcoin Sets a New Record High. The Importance of Rebalancing. Beyond Meat's Shares Surge. Quaker Oats' Pesticide Problem. Stocks are Flying High. Why Aren't Mine? Cut Your Tax Bill in Half. 9 Tips. Celebrity Jet CO2. Green Washing. The Facts. Some Solutions. Copper: Essential to the Clean Energy Transition. Uh. Oh. More Bank Trouble. Are Amazon, Square and Other Tech Companies Ripping Us Off? Housing. Unaffordable. What Works? Case studies and creative solutions. Don't Reach for Yield. Closed-End Funds. 2024 Investor IQ Test. Answers to the 2024 Investor IQ Test. Apple's Woes Drag Down the Dow. The Winners & Losers of 2023. Ozempic, Magnificent 7 & Beyond. 2024 Crystal Ball. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. A Spectacular Year for 3 of the Magnificent 7. The Best ROI* (Almost 40%!) & 7 Life Hacks That Save Thousands. Portugal Eliminates Tax Advantages for Ex-Pats. Earn $50,000 or More in Interest. Safely. Finally. WeWork's Bankruptcy. Half-Empty Office Buildings. Problems in our Personal Wealth Plan. Solutions for Unaffordable Housing. Cruise Ships Give Freebies to Investors. Should You Take the Bait? Should You Take a Cruise? Bonds. Banks. The Treacherous Landscape of Keeping Our Money Safe. 7 Rules of Investing 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. China Bans Apple 11-Point Green Checklist for Schools. Artificial Intelligence and Nvidia's Blockbuster Earnings Report Biotech in a Post-Pandemic World 10 Wealth Secrets of Billionaires and Royals. What Happened to Cannabis? Bank of America has $100 Billion in Bond Losses (on Paper) Lithium. Essential to EV Life. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Are There Any Safe, Green Banks? 7 Ways to Stash Your Cash Now. Lessons from the Silicon Valley Bank Failure. Which Countries Offer the Highest Yield for the Lowest Risk? Why We Are Underweighting Banks and the Financial Industry. Save Thousands Annually With Smarter Energy Choices Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? My 24-Year-Old is Itching to Buy a Condo. Should I Help Him? The 12-Step Guide to Successful Investing. The Bank Bail-in Plan on Your Dime. Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly traded companies or funds mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect a diversified strategy, which has been designed with the assistance of a financial professional who is familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge and patience. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. Securities, financial instruments or strategies mentioned herein may not be suitable for all investors.  The ABCs of Money 6th Edition Sweepstakes. Win a Seat at the Retreat and Other Prizes Win a Seat at the Retreat Everyone is a winner in our 2024 September The ABCs of Money 6th edition Sweepstakes. (See the full list of prizes below.) The Grand prize is a complimentary seat at an Online Financial Freedom Retreat, (retail value: $895). Our next retreat is Oct. 18-20, 2024 (online). Simply email [email protected] with the subject line The ABCs of Money 6th edition Sweepstakes! You will be automatically entered to win. There is no purchase necessary to be entered in our September 2024 The ABCs of Money 6th edition Sweepstakes. If you’d like to up your odds, then write a review of the 6th edition of Natalie Pace’s Amazon Exclusive book, The ABCs of Money. Send us a link to your review on Amazon, and we’ll enter you 10 more times in the Sweepstakes. The Kindle version is available for just $9.99. The print edition will be available soon for $17.99. Your review of the 6th edition of The ABCs of Money is important to us, and also important to anyone who is interested in living a rich life, protecting and growing their wealth, saving thousands annually in their budget, buying or selling a home, or reducing debt. The more you share and review, the greater the chance that this important information gets into the hands of those who need it most. So, I encourage you to share the book and your review on your social media. Please include #NataliePace and tag us, so that we can like and share your review! https://instagram.com/nataliewynnepace https://www.facebook.com/TheABCsofMoney https://www.linkedin.com/in/nataliepace/ https://x.com/NataliePace Act now. Entries must be received by Sept. 15, 2024. Winners will be notified on or before Sept. 30, 2024. List of Prizes Grand Prize: 12-month, all-access pass to all of our online training (value $5680) Retreat Seat (value up to $895) ½ off Retreat Seat (value $447.50) 2nd opinion on your current budgeting and investing plan (value up to $1495) Three 50-minute private prosperity coaching sessions (value $1200). 50-minute private prosperity coaching session (value $400). Autographed print edition of The ABCs of Money 6th edition (priceless) Everyone is a Winner Every person who enters the sweepstakes can choose to receive a complimentary gift from us. Choose from the videocoaching programs below: 1. A complimentary 21-day Prosperity and Abundance videocoaching program: 21 days to a healthier, wealthier, more beautiful you, and/or 2. A 21-Day budgeting, debt, or sustainability videoconference series, where you can learn how to save thousands of dollars annually with smarter big-ticket choices. Simply indicate which videocoaching series you prefer when you register for the sweepstakes. Again, simply email [email protected] with the subject line The ABCs of Money 6th edition Sweepstakes! You will be automatically entered to win. Thank You! Your presence in our community, with a dedication to financial empowerment and sustainability, means the world to us. We work hard to keep you informed and inspired, and we thank you for helping us to spread the word of this important new edition of The ABCs of Money. Thank you so much for your review! You can read the editorial reviews on the Amazon book page. I’ve highlighted just a few below. The Retreat Sweepstakes entry period expires Sept. 15, 2024. Anyone who has emailed us on or before Sept. 15, 2024, with The ABCs of Money 6th edition Sweepstakes in the subject line will be entered in the drawing. Winners will be chosen randomly and notified on or before Sept. 30, 2024. There is no cash value for the prizes. Praise for The ABCs of Money and Natalie Pace’s work. "The ABCs of Money will teach you how to stop getting buried in debt and start scoring gains for the home team. The more you score, the more you'll win financial freedom and enjoy your life. College students need the information before they get their first credit card. Young adults need it before they buy their first home. Empty nesters can use the information to downsize to a sustainable lifestyle, before they get into trouble." Joe Moglia, former Chairman & CEO, TD AMERITRADE "Thank you, Natalie, for saving my retirement!" Nilo Bolden, executive director at a law firm in Century City, CA “Many people, including educated men and women, often get into trouble when they neglect to follow these simple and fundamental rules.” Professor Gary S. Becker Gary Becker won the 1992 Nobel Prize in economics. “As a young professional, between the knowledge gained through retreats and the experiences from our immersive trip [to Cornwall England], I feel much more aligned with my visions and values than most of my peers.” M “We asked Natalie Pace for a second opinion on our investment portfolio. She researched and reviewed each stock and fund. She then explained to us in plain English how we were positioned in the market and how high our risk exposure was. Her knowledge was so profound that we decided to take her retreat in Arizona. My husband was still quite skeptical, but 20 minutes into the retreat he turned to me and said, ‘Thank you.’ Stocks and investing are no longer rocket science. We are finally able to take control of our money. We give thanks just about every day that we met Natalie. I feel like I live on a different planet. I'm so grateful. Thank you for changing our lives, our peace of mind, our future and our vision of what is possible. We made a tectonic shift with you.” AC & AM "The ABCs of Money is a must-read to help people understand the complicated economics of modern day (and how to protect and grow their wealth), or to go from surviving to thriving. It helped me and numerous members of my non-profit, The New Hollywood, to become empowered, educated bad asses with their financial literacy." Brianna Brown Keen Film and Television Actress Founder and CEO of The New Hollywood Learn the ABCs of Money that we all should have received in high school and college to score As in: life math, investing, budgeting, housing, debt reduction and living a richer life. See the collage of Natalie Pace's own life journey to financial freedom in some of the pictures below (and in a reel on Instagram.com/NatalieWynnePace.) Offer for the September 2024 Sweepstakes ends Sept. 15, 2024. Act now!
Join us at our online Oct. 18-20, 2024 Financial Freedom Retreat and our Bond/What's Safe Master Class Oct. 26, 2024. Learn how to: * Invest in hot industries, such as Nvidia and artificial intelligence, * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence and EVs), * Evaluate stocks, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. You'll even discover how to save thousands annually with smarter big-ticket choices. Yes, it's a complete money makeover. Email [email protected] to register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Join us for our Online Oct. 18-20, 2024 Financial Freedom Retreat. Email [email protected] or call 310-430-2397 to learn more. Register with friends and family to receive the best price. Click for testimonials, pricing, hours & details.  Join us for our Restormel Royal Immersive Adventure Retreat. March 7-14, 2025. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. There is very limited availability. Register now to ensure that you get the exact room you want. (There may not be an opportunity to register after Sept. 15, 2024.) This retreat includes an all-access pass to all of our online training for a full year for two, and three 50-minute private, prosperity coaching sessions. Much more affordable than you might think. Email [email protected] to learn more.  Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The Power of 8 Billion: It's Up to Us and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 5th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Should You Go Conservative or Aggressive? 5% Yield without those Pesky Paper Losses. The Dow Drops 1400 Points. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Can Crowdstrike Recover from its Colossal Catastrophe? Featuring a Cybersecurity Overview. Fintechs and Brokerages that Fail are Not FDIC-Insured. Stocks Keep Hitting New Highs. Are You Thinking "Capture Gains?" Nvidia Volatility. Salesforce Drops. Election Years With Negative Yield Curves = ?. 5 Green Tips for Clean Beaches Week. Nio Sales Expected to More Than Double in 2Q 2024. So, You Think You Want to Be a B&B Owner... Artificial Intelligence and Crypto Scam Alert by the SEC. Netflix Evicts Unpaid Viewers. Empty Theaters. Retiring Soon? Start Planning Now. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. May is National Bike Month. Paris and Amsterdam are the Stars. AI, Gold & Copper are on Fire. Sunpower Doubled. Sell in May and Go Away? What About the Election? Vacations that Color Our World Forever. The Magnificent 7 Drop to the Fantastic 5 9 Inflation, Budgeting, Debt Reduction and Investing Solutions. China & Russia Double Their Gold Holdings. 2024 Investment of the Year? The Reddit IPO. Meme Stock or Snap Land? Tesla's Factory in Germany Taken Offline by Activists. Bitcoin Sets a New Record High. The Importance of Rebalancing. Beyond Meat's Shares Surge. Quaker Oats' Pesticide Problem. Stocks are Flying High. Why Aren't Mine? Cut Your Tax Bill in Half. 9 Tips. Celebrity Jet CO2. Green Washing. The Facts. Some Solutions. Copper: Essential to the Clean Energy Transition. Uh. Oh. More Bank Trouble. Are Amazon, Square and Other Tech Companies Ripping Us Off? Housing. Unaffordable. What Works? Case studies and creative solutions. Don't Reach for Yield. Closed-End Funds. 2024 Investor IQ Test. Answers to the 2024 Investor IQ Test. Apple's Woes Drag Down the Dow. The Winners & Losers of 2023. Ozempic, Magnificent 7 & Beyond. 2024 Crystal Ball. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. A Spectacular Year for 3 of the Magnificent 7. The Best ROI* (Almost 40%!) & 7 Life Hacks That Save Thousands. Portugal Eliminates Tax Advantages for Ex-Pats. Earn $50,000 or More in Interest. Safely. Finally. WeWork's Bankruptcy. Half-Empty Office Buildings. Problems in our Personal Wealth Plan. Solutions for Unaffordable Housing. Cruise Ships Give Freebies to Investors. Should You Take the Bait? Should You Take a Cruise? Bonds. Banks. The Treacherous Landscape of Keeping Our Money Safe. 7 Rules of Investing 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. China Bans Apple 11-Point Green Checklist for Schools. Artificial Intelligence and Nvidia's Blockbuster Earnings Report Biotech in a Post-Pandemic World 10 Wealth Secrets of Billionaires and Royals. What Happened to Cannabis? Bank of America has $100 Billion in Bond Losses (on Paper) Lithium. Essential to EV Life. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Are There Any Safe, Green Banks? 7 Ways to Stash Your Cash Now. Lessons from the Silicon Valley Bank Failure. Which Countries Offer the Highest Yield for the Lowest Risk? Why We Are Underweighting Banks and the Financial Industry. Save Thousands Annually With Smarter Energy Choices Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? My 24-Year-Old is Itching to Buy a Condo. Should I Help Him? The 12-Step Guide to Successful Investing. The Bank Bail-in Plan on Your Dime. Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly traded companies or funds mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect a diversified strategy, which has been designed with the assistance of a financial professional who is familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge and patience. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. Securities, financial instruments or strategies mentioned herein may not be suitable for all investors. |
AuthorNatalie Pace is the co-creator of the Earth Gratitude Project and the author of The Power of 8 Billion: It's Up to Us, The ABCs of Money, The ABCs of Money for College, The Gratitude Game and Put Your Money Where Your Heart Is. She is a repeat guest & speaker on national news shows and stages. She has been ranked the No. 1 stock picker, above over 830 A-list pundits, by an independent tracking agency, and has been saving homes and nest eggs since 1999. Archives
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