Natalie Pace Blogs
Photo of Natalie Pace by Marie Commiskey. Avalon Photography.
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  World Sustainability Day, October 30. 4 Ways to Celebrate. Tomorrow is World Sustainability. Learn ways to reduce personal CO2, to save thousands annually with smarter choices (literally), and to hold corporations accountable, in my bestseller, The Power of 8 Billion: It’s Up to Us. Below are 4 suggestions for celebrating the day. 4 Ways to Celebrate World Sustainability Day, October 30 Ride a Bike, Walk, Take Public Transportation, or Telecommute, instead of Driving Buy Bulk Goods (instead of plastic packaging) and Support Regenerative Agriculture Plant a Garden at Home or Your Local School (Get Rid of the Grass) Opt for Natural Fibers Over Plastic Clothes (polyester) and Shoes (rubber) Ride a Bike, Walk, Take Public Transportation, or Telecommute, instead of Driving Transportation is the biggest CO2 emitter. It is one of the reasons why many Europeans have a personal CO2 footprint that is 1/3 or less of Americans, Australians, Canadians and people living in the Middle East. Can you go a day without driving on October 30? If you can go a day without driving tomorrow, will it start a trend of a bike commute that will improve your health, while saving thousands of dollars annually that would have gone to the gas station, insurance company, bank (monthly payment) and repair shop?  Source: EPA.gov Buy Bulk Goods (instead of plastic packaging) and Support Regenerative Agriculture Are you aware that over half of each barrel of oil goes to make plastic, polyester, asphalt, rubber, vinyl and other petrochemical products? It’s easy to have oil touch every aspect of our lives, until we get mindful of what things are made of. Many cities have coops and farmers markets where we can purchase food that is not wrapped in plastic. If your city doesn’t, why not ask the local grocery store to? Did you know that there is a link between pesticides and Type 2 diabetes? There are many other adverse effects and outcomes, including a sad and strong link to Parkinson’s Disease in farmers, and other neurological disorders with people who have long-term exposure. Cancer is a risk, as well. On the brighter side of things, regenerative agriculture offers food that is more nutrient-dense, while the healthy soil is a powerful CO2 storehouse, drawing down CO2 from the atmosphere. As a consumer, we can support the important work of our farmer/carbon stewards by purchasing our food products from regenerative farmers. (Opting for organic and local is a great step in the right direction for our personal health, and the health of our home planet.) Plant a Garden at Home or Your Local School (Get Rid of the Grass) Grassy lawns are a last-century fad that is rapidly being replaced with native plants. However, why not take it a step further, and plant a garden at home or at your local school? Organizations like Good Neighbor Gardens assist with planting and harvesting backyard plots. The Edible Schoolyard Project offers hands-on, outdoor learning curriculum and how-to videos, while Green Our Planet helps PTAs raise the funds to establish gardens at school. Opt for Natural Fibers Over Plastic Clothes (polyester) and Shoes (rubber) Most of us just aren’t aware that polyester and rubber are made from oil. Crocs are melted nurdles. We wouldn’t bathe in oil, and it just doesn’t make sense to sweat in it either. Learn more in my Temu and Fast Fashion blogs. There are many other ways to go green – that save thousands in our budget to boot. Check out inspiring projects from around the globe in the 5-part docuseries at EarthGratitude.org. The series features:
World Sustainability Day, on October 30, 2024, gives all of us the chance to try something new. Each last-century, high CO2 habit that we toss out the window brings us closer to a more beautiful tomorrow. Please share what you’re doing using #EarthGratitude, so that we can easily like and share! Be sure to follow us at the social media links below. Natalie Wynne Pace on Instagram, Facebook and LinkedIn Earth Gratitude on Instagram & Facebook One of the reasons we host our retreat in Cornwall every other year, is that it’s actually easier to walk to the many iconic historic sites that are located in the neighborhood of the private estate. If you join us, you will be learning new ways of living that you might not ever attempt at home. And from there, imagine the possibilities.  Natalie Pace is from Santa Monica, the beach town of Los Angeles, which is one of the most car-centric cultures in the world. She gave up her car a large number of years ago, and has been active in helping the city create safer, shared roads. The upside can be savings of $8,000 or more annually on transportation costs. Imagine what you could do with $8,000 each year, if you found a way to commute without driving a single-occupancy vehicle! Join us at our online New Year, New Me Financial Freedom Retreat Jan. 10-12, 2025 (online) and our Rebalancing Masterclass (Capture Gains & Protect Principal) on Jan. 18, 2025. 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 by Halloween to receive the best price and a complimentary private, prosperity coaching session (value $400). "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 New Year, New You Financial Freedom Retreat Jan. 10-12, 2025. Email [email protected] or call 310-430-2397 to learn more. Register by Halloween to receive the best price and a complimentary private, prosperity coaching session (value $400). 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 Will There be a Santa Rally or will the Election Ruin Everything? The Chips are Down. ASML, Intel and Super Micro Computer Plunge. Is Nvidia Next. Will Insurance Companies & Homeowners Weather the Hurricanes? 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Will Boeing Be Booted Out of the Dow Jones Industrial Average? 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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Will There Be a Santa Rally or Will the Election Tank Stocks? Emails are trying to stir up fear by comparing the 2024 election with the 2000 election, saying that we’re going to have some kind of stock market meltdown after the results on Nov. 5, 2024. Here’s why 2024 could bring us a rally rather than a rout. Below are the topics we’ll cover. Stocks are High Earnings are Strong in the Magnificent 7 Political Uncertainty Video Conference Tuesday, October 29 at 4 PM Pacific And here is more information on each subject. Stocks are High Stocks are almost as expensive today as they were at the highs in 2000. That is a concern. As you can see in the chart below, the only time in the last century when the CAPE price-earnings ratio was higher was in 2000. Today’s prices are even more elevated than the Great Depression!  Expensive equity prices are a negative for the Santa Rally because the good news is already priced in. However, that didn’t stop elated Tesla investors from pushing the share price up $40 today (10.24.2024), after the company reported better than expected results after the market close yesterday. Earnings are Strong in the Magnificent 7 The Wall Street Rally of 2023 and 2024 is really all about the Magnificent 7 – Alphabet (Google), Amazon, Apple, Meta (Facebook), Microsoft, Nvidia and Tesla. These companies are responsible for the majority of the gains. In 2023, if you didn’t have large cap growth in your wealth plan, your returns might have been under 10%, rather than the spectacular total return of 26% in the S&P500. Without the doubling of the Magnificent 7 share prices, the S&P500 gains would have been under 10%.  Tesla just reported surprisingly strong earnings on October 23, 2024, with net income of $2.3 billion, up 16.9% year over year, despite having to lower prices on its vehicles. Tesla’s CFO warned that it will be difficult to continue the strong profitability performance in the fourth quarter. However, those results won’t be reported until January. Main Street investors will be banking on 3Q results continuing, unless they were listening to the earnings call. Institutional investors do listen to the earnings calls. However, they know that market optimism over earnings can get turned up with the holiday spirit. Consequently, the whales could wait until January to take their profits. Apple is expected to report solid earnings on Halloween (after the markets close), too. The company continues to bedazzle consumers globally with its Apple Intelligence and iPhone products, which make up almost half (45.8%) of Apple’s revenues. According to IDC, Apple maintained its #2 spot in global smartphone shipments (by units).  5 of the remaining members of the Magnificent 7 will report results next week, while Nvidia’s results will be announced on Nov. 20, 2024. The year-over-year sales growth of these trillion-dollar companies is quite noteworthy, particularly given the outstanding profit margins. However, the stock prices are trading at an all-time high. Nvidia has exhibited a lot of volatility. (Learn more in my recent Nvidia blog. Click to access.) If you’d like an updated Magnificent 7 Stock Report Card, email [email protected]. October 23, 2024, was a particularly sour day for Boeing. Boeing reported a $6.2 billion loss for the third quarter. Workers also rejected the proposed labor contract. This puts the company perilously close to losing their investment grade credit rating. That is one of the reasons why the Dow dropped 410 points yesterday and is down another 270 points today. FYI: We’ve been warning about Boeing for years. The company is just one of 30 corporations listed in the Dow Jones Industrial Average and is part of the reason why the DJIA has performed at half the speed of the technology-rich NASDAQ Composite Index for over a decade. Since many of us have DJIA funds in our retirement plans, it pays to know what we own NOW. When we wait for the headlines of a downgrade, it can be too late to protect our wealth. We’ve been underweighting the Dow Jones Industrial Average for decades, while encouraging investors to make sure that they have their large caps diversified into both value and growth. In fact, we are going outside the U.S. for our large cap value fund due to the amount of credit risk in companies that tend to end up in the value funds. We can achieve almost double the yield with lower risk in another large country. Which country is that? Join us for our New Year, New You Financial Freedom Retreat Jan. 10-12, 2025, to learn that and much more. Register by Halloween for the best price and a complimentary private, prosperity coaching session (value $400). The main difference separating 2024 from 2000 is the economy. Earnings tanked in 2000, with pronounced problems that were not limited to the Dot Com stocks. In 2024, earnings remained quite strong in technology and the Magnificent 7, and rather resilient in many other industries as well. Political Uncertainty Equities can withstand political uncertainty if there is a reason to believe that the economy will perform well. We saw that in spades in 2021. The election was on Nov. 3, 2020. That was one of the most contentious elections in U.S. history, with challenges to the results finally culminating in an attack on the U.S. Capitol on January 6, 2021. Yet between Nov. 3, 2020, and January 6, 2021, the S&P500 scored 9% gains. 2021 went on to be one of the most outstanding post-election years ever, with total gains of 28.7%! The Dot Com Recession was one of the worst in history – particularly for the technology-rich NASDAQ Composite Index, which lost -78% between the top of March 2000 and the bottom of Oct. 2022. It took 15 years to recover the losses. As you can see in the chart below, there wasn’t a Santa Rally in the 2000 Election Year.  The Dow Jones Industrial Average lost far more between March and the end of October 2000 than was lost after the election. The S&P500 did drop -8% in November 2000, but clawed almost half of that back by the end of Jan. 2001. The continuing bad news in telecoms and dot coms spooked investors again in February of 2001, when eToys filed for bankruptcy. The slide that started in March of 2000 and continued for the next two and a half years was caused by inflated valuations (something present today, too), some industries (like telecom and Enron) taking criminal liberties with financial engineering, an economic recession, and the false belief in a New Economy – that massive cash losses were immaterial compared with the potential earnings down the road. The slide was steady, but pronounced, particularly during a series of Unfortunate Events – such as the AOL-Time-Warner doomed merger (January 2000), telecom scandals, Dot Com bankruptcies, and the Enron fraud exposure (starting in March 2001 and culminating in a bankruptcy on Dec. 2, 2001), with 911 making the hole deeper. Ted Turner famously said he lost $8 billion in the AOL-Time Warner deal. While the 2000 election did have a prolonged question mark from Election Day through Dec. 12,2000, and, then as now, over half of the country wasn't happy about the outcome, it was the poor performance of the economy that caused the plunge in stocks during the Dot Com Recession. LoudCloud’s share price dropped from $12 a share to $6 during its roadshow beginning in Sept. of 2000. The valuation slide began a few months prior, in June of 2000. (The market top was March 2000.). The LoudCloud IPO was considered to be a test of whether or not the extreme valuations in Dot Coms could hold up, particularly with companies that were burning through cash. Clearly, investors’ appetite for cash negative companies had changed. However, this was not the only corporate meltdown in 2000. Enron’s slide into bankruptcy began on March 5, 2001, when Fortune reporter Bethany McLean wrote in an article, “The company remains largely impenetrable to outsiders. How exactly does Enron make its money? Details are hard to come by… Analysts don’t seem to have a clue.” However, the red flags began in 2000, as did the omens for the telecom industry. The telecom meltdown in 2000 was just as epic as the Dot Com bust. The problems were apparent in 2000, when the price of long distance dropped from 25 cents a minute to under 10 cents a minute. VOIP (Skype) was disrupting the marketplace. Some executives were cooking the books to keep investors interested. The inflated telecom share prices began sliding after the March 2000 highs, and the bankruptcies began in early 2001. By 2002, Global Crossing was belly-up and MCI Worldcom was the biggest bust in history for that time. (Lehman Bros. now has that distinction.) MCI Worldcom bondholders were paid 35.7 cents on the dollar in new MCI stocks and bonds. Debt and leverage are massive problems in today’s Debt World. Wonder where the over-leveraged telecoms and Dot Coms of tomorrow are? Join us for our Bonds & What’s Safe Masterclass this Saturday, Oct. 26, 2024. Email [email protected] or call 310-430-2397 to learn more and register now. Video Conference Tuesday, October 29 at 4 PM Pacific It’s important to have the facts, instead of just reading emails. I was recently forwarded an email where the marketer had misrepresented the data, providing no context at all, to support the claim that the 2024 election was going to cause a stock market crash similar to the Dot Com crash. Marketers often use FUD (fear, uncertainty, doubt) to sale their wares. This can be very damaging to our wealth plan. Join me live for our free video conference on this topic next Tuesday, October 29, 2024, at 4 PM Pacific. If you were already on our list, you will receive logon instructions automatically. If you would like to join us live, email [email protected] with Videocon in the subject line. You can watch it back at YouTube.com/NataliePace. Subscribe there to be sure to catch all our free videoconferences. Bottom Line Market timing rarely works. Having said that, we are currently overweighting 20% safe in our sample pie charts. However, this is due to inflated equity evaluations, overleverage, and an economic slowdown, more than political uncertainty. If the political turmoil is worse than January 6, 2021, then, of course it has the potential to greatly impact the stock market, largely because it may substantially reduce the ability of American business to thrive. However, there was a massive rally in 2021, after Jan. 6, 2021. Investors have more stomach for insurrection when the economics add up. We’ll get a peak at how well the 3Q 2024 economy did when the advance results are announced on Oct. 30 at 8:30 am ET. (I’ll have updates on my Instagram Broadcast channel. Be sure to subscribe.)  Join us for our Online New Year, New You Financial Freedom Retreat Jan. 10-12, 2025. Email [email protected] or call 310-430-2397 to learn more. Register by Halloween to receive the best price and a complimentary private, prosperity coaching session (value $400). 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 The Chips are Down. ASML, Intel and Super Micro Computer Plunge. Is Nvidia Next. Will Insurance Companies & Homeowners Weather the Hurricanes? 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Will Boeing Be Booted Out of the Dow Jones Industrial Average? 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. _2022-08-28.png) An AI image of an astronaut riding a horse in the style of Picasso. Wiki Commons. The Chips are Down. ASML, Intel and Super Micro Computer Plunge. Is Nvidia Next? There is definitely a tale of two cities going on in chips. Nvidia, with its commanding lead in Generative AI, is one of the hottest companies on Wall Street. Nvidia’s year-over-year sales growth is a blazing 122.4%. (As the company laps a year of outstanding results, the 3rd quarter is expected to slow to 79% higher than a year ago.) At the same time, ASML, which almost tripled in share price over the last two years, just saw its worst day of trading in decades. ASML shares dropped $141.84/share yesterday (10.15.2024) after the company released a disappointing earnings report. Super Micro Computer shares are down -61% from the highs seen in March of this year. While there is a difference between the wildly popular generative AI (Nvidia) and semiconductors that are made for the automotive and industrial industries, the volatility – spectacular soaring and dramatic dives – originates from the same phenomenon. We’ve seen interstellar valuations crash land in other industries with impressive growth. Cybersecurity, cryptocurrency, electric vehicles and even the Magnificent 7 have seen colossal share price swings over the past five years. Is pricing a stock for the potential years down the road a good idea, or can too much happen in the interim? Here are the topics I’ll cover in this blog. Chips for the Auto/Industrial Industries (Intel, ASML) Generative AI and the Market Leader Nvidia Price, Earnings and Growth Potential Roadblocks And here is more color on each point. Chips for the Auto/Industrial Industries (ASML & Intel +) Semiconductors can be the canary in the coal mine, the harbinger of an economic slowdown that often begins with companies reining in their CAPEX. In the earnings press release from Oct. 15, 2024, ASML President & CEO Christophe Fouquet explained that “customer cautiousness” resulted in the company missing analyst expectations, although year-over-year revenue came in above the company’s guidance. ASML grew 12% to €7.5 billion net sales in 3Q 2024, with expectations for €8.8 billion to €9.2 billion in net sales for 4Q. Why was Wall Street so disappointed with ASML’s low double-digit growth? There was a pronounced drop in sequential net bookings. Quarterly net bookings dropped from €5.6 billion in Q2 to €2.6 billion in Q3. Demand weakness and rising inventory are pronounced in the manufacturing and auto industries. Auto sales have begun to moderate. Ford reported that there was a 2% decline in sales for the auto industry in the 3rd quarter. Tesla has been leading sales growth with its all-EV fleet for the past few years. However, even Tesla experienced only 6.4% increase in vehicle deliveries in the 3rd quarter of this year versus 2023. On August 16, 2024, S&P Global lowered Intel’s credit rating from A- to BBB+ with a negative outlook. Intel’s 2Q 2024 revenue was down -1%, and 3Q 2024 could drop -12% versus the same quarter in 2023. What is happening? In the 2Q 2024 earnings press release, Intel CEO Pat Gelsinger warned that “second-half trends are more challenging than we previously expected.” The company is implementing “spending reductions,” including some layoffs and delaying factories in Germany and Poland for two years. Many European countries, including Germany, France and the U.K., are expected to have flat economic activity in 2024, narrowly averting recessions. Economies are experiencing a slowdown in growth around the world. Generative AI and the Market Leader Nvidia As I mentioned at the top of this blog, AI is on fire, but the flames are certainly moderating. Nvidia’s 3Q 2024 revenue is expected to be 79% higher than a year ago. While quite impressive, that is a lot lower than 2Q’s 122.4% revenue growth or the 4th quarter of 2023, when revenue was up 265% year over year. Despite all this good news, Nvidia shares have traded in the same range since June. Why aren’t investors more excited about this stellar performance and the continued potential? Is it just a matter of valuation, or are there other concerns? (See below.) Super Micro Computer is another company that is benefitting from the Generative AI explosion. Super Micro Computer’s revenue was 143% higher in the June 2024 quarter compared to a year ago, putting it at the top of the Chip Stock Report Card in terms of revenue growth. (Email [email protected] if you’d like an updated AI & Chip Stock Report Card.) However, converse to Nvidia, Supermicro Computer’s shares are down more than half from the company’s March 2024 highs. What happened? The Department of Justice is looking into accounting irregularities at the company, according to The Wall Street Journal. Hindenburg Research first reported the “accounting manipulation” on August 27, 2024. Just one day later, Super Micro announced that the company would delay filing its annual report, while it assessed the “design and operating effectiveness of its internal controls over financial reporting.” Accounting concerns will almost always spook investors to sell. Price, Earnings and Growth Many chipmakers are showing outstanding sales growth. Micron’s revenue surged 82% in the most recent quarter. Broadcom, Arm Holdings and AppLovin’s revenue are all up 47%, 47% and 44%, respectively, from 2Q 2023. The challenge is that share prices are light years above frothy in the semiconductor space – into the interplanetary realm. Should a company like Nvidia, with $30 billion in net income, be worth $3.43 trillion? Micron is worth $116 billion and Advanced Micro Devices’ market cap is $254 billion, while both companies brought in less than $1 billion in net income last year. Companies with higher growth, like these AI chipmakers, can command a higher price-earnings ratio. However, PEs of 63 (Nvidia), 167 (Micron), 143 (Broadcom), and 200 (AMD) are pricing for earnings years beyond today. When sights are set that far out, there are a lot of potential sinkholes that could prevent expectations from being fully realized. When a company is being priced for sales too far down the road, any speedbump can cause an oversized correction. As an example, the Magnificent 7 companies, most of which are rich in AI, doubled in share price in 2023. However, these same companies were some of the worst performers in 2022, when the NASDAQ Composite Index sank -33%, compared to the S&P500’s -19.44% retreat. Nvidia’s share price dropped -50% in 2022.  Potential Roadblocks 2022 was a year when recession was narrowly (and unexpectedly) averted in the U.S., as the Federal Reserve began their aggressive rate-hiking cycle. Macro trends can always trip up a company or industry. We’ve seen supply chain issues disrupt a company’s ability to keep up with demand. War and international conflict can make shipping difficult. There was a Red Sea shipping crisis in January of this year that impacted vehicle deliveries from Tesla and Stellantis. Tesla’s share price dropped -40%, before recovering some of the losses. Shares are still down -11% on the year. Crowdstrike is moving beyond its Microsoft Blue Screen Disaster, but share prices are still down $100/share from the highs before the infamous debacle. Cyberattacks are always a concern with any trillion-dollar company (or country). Big U.S. Technology is a perennial target. The U.S. is very concerned about foreign countries gaining access to our proprietary lead in technology and AI, and limits certain exports. Increased international tensions, particularly between the U.S. and China, could make this challenge more pronounced. Most chipmakers have factories in China or Taiwan. Nvidia chips are made at Taiwan Semiconductor. If China invades Taiwan, Nvidia’s trajectory will do an about-face overnight. There has also been a discussion about whether AI is paying off for the customers. Nvidia makes the case that the company can improve efficiencies and drive down power costs for companies, which can amount to a lot of savings. Goldman Sachs points out that AI will increase data center power needs by 160% in just three years. According to the report, “On average, a ChatGPT query needs nearly 10 times as much electricity to process as a Google search.” Microsoft is resurrecting the 3-Mile Island nuclear power plant to help deal with its energy needs. Bottom Line Most of Nvidia’s revenue growth is coming from the company’s data centers and Nvidia’s market leadership in generative AI (up 154% year over year). So far, everything is coming up roses for the company. All of the chipmakers would like to sit in the halo of AI. Nvidia is stealing most of the spotlight. However, when the economy slows down, and companies see their sales contract, chips are some of the first expenses on the chopping block. Intel and ASML have seen a pullback in their orders. Will Generative AI be on the expense chopping block anytime soon? Be careful buying high. The growth of AI is priced into most chipmakers. Even with the share price pullback, ASML is trading with a price-earnings ratio of 46, while Intel’s P/E is 102. Simple dollar-cost averaging can help Main Street investors to gain exposure to this explosive industry, without the risk of watching their shares plummet in value. We offer a few more tricks for investing in AI at our Financial Freedom Retreats. Email [email protected] to learn more about attending our Oct. 18-20, 2024 Online Financial Freedom Retreat (this weekend!), or to receive pricing and information about my private coaching program and unbiased 2nd opinion of your current wealth and retirement plan. 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 Will Insurance Companies & Homeowners Weather the Hurricanes? 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Will Boeing Be Booted Out of the Dow Jones Industrial Average? 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. .jpg) Man kayaking with dog on Flagler Avenue by the Salvation Army store on Oct. 24, 2005: Key West, Florida. Photo by Dale McDonald. Wiki Commons. Used with permission. Will Florida Insurers & Homeowners Weather the Storms? Will Hurricane Helene & Milton flood them with losses? Can homeowners rebuild? Should they? With back-to-back Category 4 (Helene) and Category 3 (Milton) hurricanes, the questions of recovery and rebuilding have begun. How much will it cost? Will insurers remain solvent? Will homeowners be able to rebuild? Should they? Will another catastrophic storm hit this season? (Hurricane season doesn’t officially end until Nov. 30, 2024.) When I dug into the data, the answers to these questions was not at all what I expected to find. Below are the topics we will cover in this blog.
And here is more information on each point. Which Company Has the Most Exposure? The largest property insurance provider to Florida residents is not a company you’ve heard of. It’s a not-for-profit, tax-exempt, government entity named Citizens Property Insurance Corporation. This NGO had almost 20% of the market share in 2023. There has been ample speculation that the organization will have to raise premiums from Florida residents or receive a bailout from the federal government. According to Senator Sheldon Whitehouse, who serves on the Senate’s Budget Committee, the committee is leading an investigation into the viability of Citizens. Michael Peltier, a spokesperson for Citizens, said that the company “has the financial resources to handle claims from hurricanes Milton and Helen without needing to levy any surcharges or assessments” (source: CNN). (Time will reveal the truth.) There are private insurance companies with exposure to Florida. However, as Fitch Ratings explained in their press release on Oct. 10, 2024, “Most large national underwriters do not have substantial market share in Florida and have cut policies in force via non-renewals to manage balance sheet exposure and reinsurance program costs.” The companies also managed risks by jacking up rates, making the price of coverage unaffordable, particularly for low-income families. How Many Uninsured Homes Are There? According to a study by ConsumerFed.org, at least 10% of Florida’s homes are uninsured. That’s likely a low estimate because the study was conducted in 2021. Since then “insurance companies have increasingly pulled out of states and homeowners have had to contend with double-digit rate hikes,” according to the research of ConsumerFed. As might be expected, the people without any insurance are those who need the funds most. According to the study, owners of manufactured homes (35%), people who inherit their homes (29%), or people of color (11-22%) were the most likely to be uninsured, as were people living in Miami, Houston, Mississippi, New Mexico and Louisiana. FEMA can help uninsured or under insured homeowners in Florida with disaster related expenses. However, the FEMA website underscores that federal emergency assistance is not a replacement for insurance. If you know someone affected by the flooding or wind damages of the hurricane, encourage them to file a claim with FEMA.gov. Just How Catastrophic Will the Losses Be? The losses from hurricanes Helene and Milton are expected to be $30-$50 billion (source: Fitch Ratings). In 2022, Hurricane Ian, a Category 4 hurricane, caused destruction in the range of $60 billion. 4Q 2024 earnings reports from property & casualty insurance companies will reflect the exposure. The quarter may show net losses. Catastrophe budgets will likely be depleted, according to S&P Global. The reinsurance market could be hit hard. However, no rating agency is predicting a meltdown of insolvencies in P&C insurance companies. Rates are likely to jump yet again for homeowners in areas prone to natural disasters. I have yet to see or hear of a 5-star review of an insurance company or FEMA from anyone who has lived through a devastating natural disaster. There are exclusions, deductibles, red tape, and somehow the insured always ends up being short-changed. That is why I’m including a note on Climate Risk below, which factors in some of the costs that many of us are not adding up when we consider moving into a region that is susceptible to annual natural disasters. Weather-Vulnerable Areas When extreme weather events happen regularly, homeowners just get worn out. Insurance costs skyrocket with each costly natural disaster. Property values sink in order to attract new buyers, who may have to pay cash because, without property insurance, they will not qualify for a mortgage. One of the most important things for any new homeowner to do is to look at the climate risks at the bottom of the listing page. For St. Petersburg, Florida, the flood, wind and heat factors are listed at extreme, 10 out of 10. if you’re going to buy in that area, you better have a money tree, a generator, a home on stilts, and a stomach of steel. Click to check out a listing that was for sale at $650,000 in April of this year. The price just dropped to $485,000. This particular homeowner purchased the property in October 2019 for just $340,000, so technically, they are still in the black on the purchase. If the owners are successful in selling their home at $485,000, that would seem like a decent 42.6% gain. However, there are a lot of costs to homeownership that are not factored into that simple math. If we add in broker commissions, closing costs, the cost of the insurance itself, deductibles that kick in with each natural disaster, or the expense of remodeling after four major storms and flooding in four years, it's no wonder that the owners just want out. This homeowner has likely lost a lot of money on the purchase, and there is still a question mark over what price at which they’ll be able to offload the home to someone else. The Wall Street Journal is reporting that there are a lot of homeowners in flooded Florida neighborhoods that are fed up and want to sell. Are There Other Losses (Paper, Long-Term Bonds) That Insurance Companies Should Be Worried About? According to the Financial Stability Report that was released by the Federal Reserve in April of 2024, “because insurance companies are large holders of CMBS* and have material direct exposures to commercial mortgages, a significant correction in commercial property values could put pressure on their capital positions.” According to the same report, property and casualty insurance were less willing to take on the risk, while life insurers continued to invest in long-term holdings with liquidity and credit risk in 2023. This warrants additional scrutiny for any insurance products we own, including annuities, life insurance, etc. *Commercial Mortgage-Backed Securities Anyone who has taken a walk around their city is keenly aware of all of the empty office buildings, mini malls and commercial real estate. This is a sleeping crisis that looks to be concentrated in the commercial real estate industry and the industries that invest in them, including banks (especially regional), insurance companies, pension plans and oftentimes our own managed portfolio. How many of us have been sold into mortgage-backed securities either directly (through long-term, low credit quality or junk bonds and their paper losses) or through bond funds (which can have exposure to commercial real estate)? We’re hosting a Bonds & What’s Safe Masterclass on Saturday, Oct. 26, 2024. It’s important to know what we own and why. Now. Email info@nataliepace.com to learn more and register now. Bottom Line We’ve been hearing about the rapid increases of property values and housing prices that keep hitting new highs. Home prices have been rising since the Great Recession and were on fire in the wake of the pandemic, leading some to forget just how far values dropped between 2006 and 2011. What we hear less about, are the risks that new homeowners take on, particularly in disaster-prone areas, with regard to the high cost of home insurance and the very frequent weather events that can provide significant damage to the home. I outline a 10-Point Checklist for new buyers in The ABCs of Money, 6th edition. Click to read a recent blog on why up to 82% of new homebuyers have buyers’ remorse. The Environmental Defense Fund has put together a Climate Vulnerability Index for the U.S. When areas become uninsurable, due to extremely high insurance prices, frequent and expensive disasters, or elevated home prices, it becomes a lot more difficult to offload the property. Willing buyers will have to pay cash. This puts climate-related risks at the forefront of homebuying decisions. Insurance companies and mortgage companies are smart enough to limit their exposure, putting the majority of the risk back on the homeowner. The back-to-back hurricanes in Florida (that have affected other areas of the South) are unlikely to put insurance companies out of business. However, they certainly could bury a lot of homeowners. 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 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Will Boeing Be Booted Out of the Dow Jones Industrial Average? 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.  Facebook AI image of an ancient castle. 9 Money Secrets of the Ultra Wealthy There are families who manage to keep wealth over centuries. Alnwick Castle, the 2nd largest inhabited castle in the U.K. behind Windsor Castle, has been home to the Percy Family for 700 years. (We know it fondly as Hogwarts in the Harry Potter movies.) Has the same family owned the biggest house in your hometown for centuries? Why is the Hearst Castle owned by the State of California? It has been posited that 70% of us will lose the family wealth in the 2nd generation, while 90% is lost by the 3rd. (There have been data scientists who dispute this.) Whether it is poor stewardship, high taxes, shoddy legacy planning, or dilution, one thing is sure: the only way that the wealth stays in the family throughout the ages is through a carefully crafted plan that all of the family members understand and buy into. The U.K. and most European countries have higher tax rates than the U.S., so understanding how to limit taxes is a huge piece of the puzzle, particularly when most billionaires pay a much lower tax rate than working folks, and sometimes no taxes at all. Below are 9 money secrets of billionaires and royals, with a link at the end of this blog to an additional ten tips. Here are the tips we’ll cover in this blog. Managed Plans Do What the Markets Do 7 Companies are Taking Wall Street to New Highs Peter Thiel has 5 Billion Dollars in a Roth IRA Legacy Wealth Plans 100 Years in Advance Paper Losses are Still Losses Keep the Money in the Family Partnership and Community Be the Boss of Your Money 10 Additional Wealth Secrets And here is additional information on each point. Managed Plans Do What the Markets Do The majority of managed plans do with the markets do, as do most of our retirement plans. That means that 2023 should have been a great year in stocks for most of us (+26% in total return in the S&P500), while 2022 was a terrible year with -19.44% losses.   You might think that makes a strong case for Buy & Hold. However, the only way we made back 2022 stock losses was if we were invested in the Magnificent 7 companies. (Learn more in the tip below.) Also, 21st Century recessions sink steep, rapidly, and take years to recover, making Modern Portfolio Theory and regular rebalancing an important part of a protected wealth plan. This time-proven, 21st Century plan earned gains in the Dot Com and the Great Recession, and outperformed the bull markets in between. In between October 2007 and March 2009, the Dow Jones Industrial Average lost 55% dropping to a low of 6537. It took years to recover those losses. Most investors spent the first part of the bull market crawling back to even, while many others were too shell-shocked to invest until stocks were hitting highs again. The plunge was even worse in the Dot Com Recession. Between March 2000 and October 2002, the NASDAQ Composite Index lost -78% and took 15 years to come back. That means that $1 million dropped all the way to $220,000. If you had a plan in either recession that lost a significant amount, and you haven’t made any changes, now is a good time to consider receiving an unbiased 2nd opinion. Email [email protected] to learn more. 7 Companies are Taking Wall Street to New Highs There are some similarities of the Dot Com Recession to today’s market. For one, equities are very expensive. As you can see in the chart below, the only time that stocks had a higher price was in the Dot Com Recession (when Dot Coms lost -78% of their value). (Prices are higher today than before the Great Depression.) As just one example, Nvidia (a popular AI company) has net income of $30 billion and a market value of $3.3 trillion (as of 10.10.2024).  Source: Robert Shiller, Ph.D., Nobel Prize winning economist, professor, Yale. The second thing is that only a handful of companies are responsible for almost all of the gains. If you did not have a large growth fund in 2023, which includes the Magnificent 7 companies, you didn’t recover the losses of 2022. The S&P 500 return without the Magnificent 7 was only 9.99%. This is why we diversify into 10 different slices in our sample nest egg pie chart. Large, mid, and small caps, value and growth, and four hot slices. We want that extra performance that the growth funds and hot industries provide. We also need an age-appropriate plan that is protected from principal losses (even paper losses). It’s key to know this by reviewing the information, not just by having blind faith in what we’re being told. How do you learn our time-proven 21st Century strategy, or make sure that your financial partner is offering you an age-appropriate and diversified plan? You can read about it in The ABCs of Money 6th edition. You can learn and implement it in our Financial Freedom Retreat October 18-20, 2024, and our Bonds & What’s Safe masterclass Oct. 26, 2024, (online). You could also get an unbiased second opinion through my private coaching program. Email [email protected] to learn more. Peter Thiel has 5 Billion in a Roth IRA Rich people don’t put their money in jars. Tax strategies of the wealthy include knowing how to put their money to work without paying capital gains taxes. Many of us are not thinking (or aware) of all of the ways that we could protect our wealth from capital gains taxes, income taxes and losses (even paper losses) – sometimes even while receiving tax credits. Most of us should have a plethora of accounts building wealth for us while we sleep, including our:
Legacy Wealth Plans 100 Years in Advance There are European families, such as the Percy Family and The Royal Family, who have kept their wealth, even in very highly taxed countries, for centuries. How did they do this? They think and plan 100 years in advance. They also keep the money in the family, know what they own, monetize their land, hold regular family wealth planning meetings, and begin the transfer of wealth when their kids are still teens. Everyone receives financial literacy training. FYI, this is one of the reasons why I host the Restormel Royal Manor House Retreat every other year. When you live for a week in a manor house that has been there since the 1700s and visit the castle that has been there since the 1100s, wealth takes on a completely different perspective. The lessons that we teach at the retreats and master classes sink in viscerally, and our vision expands exponentially. Paper Losses are Still Losses The reason that most people don’t buy low is that they can’t. 20 million Americans (or more) were struggling to save homes and recover nest egg losses in the Great Recession. Few had any resources or stomach to invest in the recovery and purchase at bargain prices. Planning ahead and protecting our wealth affords us both of those necessary means – the financial and the emotional. Paper losses are also an impediment to buying low. In order to free up the capital to make a purchase, we must lock in the loss. We might have to borrow at a higher interest rate because our net worth and FICO score plunges with “paper” losses. This is why we must always know what we own and why – so that we can protect our principal in an age-appropriate way. As mentioned above, most managed plans do whatever the market does. In the Dot Com and the Great Recessions, both real estate and stocks dropped precipitously. Are we betting that stocks and real estate never go down? The bond market held up pretty well in both of those recessions. However, this time around credit and duration risk are more elevated, while interest rates are not predicted to fall nearly as low. (Time will tell; economic forecasts are always uncertain.) Most people lost -26% or more on their principle in long-term government bonds in 2022, and those losses weren’t made up in 2023. Credit and duration risk remain elevated. Learn how to earn a safe, steady yield in our Bonds & What’s Safe masterclass Oct. 26, 2024, (online).  FYI: We were encouraging investors to lean into real estate instead of bonds between 2009 and 2015 – a strategy that doubled in value for many, while avoiding the paper losses altogether! Wisdom, data and information are powerful. Paper losses can become real losses. We can get into a liquidity crunch, and our FICO score drops. If the bond duration is a long period of time, the company or sovereign itself might have to restructure. The duration might be longer than our life span. We’ve seen a cycle of debt restructuring in the airline and auto manufacturing industries. In 2011, Greek bondholders took such a haircut that MF Global went bankrupt. The key is always to know what is in favor and what is risky before it happens. We’re supposed to protect our principal on the safe side, not reach for yield. Many private clients ask, “Who is loaning money to these companies that are at the lowest level of investment grade and are so risky?” without realizing that we (Main Street investors) are the ones loaning the money, in our retirement plans, our insurance plans and even our managed wealth plans. Big banks make a lot of money selling fixed income products to Main Street investors. Fiduciaries sometimes buy them for clients without advance notice, particularly if they’ve been authorized to do so. Keep the Money in the Family I often mention that Prince William didn’t buy Kensington Palace, or that King Charles didn’t purchase Windsor Castle. Many Main Street folks laugh, and say, “Well I’m just not that rich.” However, the lesson I’m trying to underscore has less to do with being a billionaire, and more to do with adopting the strategies of the ultrawealthy, which are available to all of us. Imagine how financially advantageous it is for us to keep the money in the family and stop making landlords rich at our own expense – a key strategy employed by a great deal of very rich folks. If we add up all the money that each one of our kids and our parents are spending every year on housing, particularly with today’s extremely high rents, that could be $100,000 or more annually. (3 family members spending $2500/month on housing = $30,000 each or $90,000 annually.) With that kind of dough, we could all live in a mansion so big we wouldn’t have to see each other without setting up an appointment. You can learn more about housing and budgeting solutions in my recent blog and in my upcoming videoconference on Thursday, Oct. 17, 2024. Email [email protected] with VIDEOCON in the subject line to join us live. Watch it back (and subscribe so that you catch all of my free videoconferences) at https://youtube.com/nataliepace. Partnership and Community When the Twin Towers fell in Manhattan, first responders flew in from all over the world to support the recovery efforts. As we encounter one of the worst hurricanes ever seen in Florida with Hurricane Milton, it’s important for all of us to have empathy for those affected by natural disasters, and to offer support in the recovery and rescue efforts. Life is full of achievements and challenges, and both require partnerships and communities. No grand achievement is ever accomplished by oneself. In our darkest hour, it’s often someone else who carries the light and helps us to weather the storm. I want to share with you other examples of great achievements. From 1987 to 2019, Costa Rica doubled its forest cover from 26% to over 52%, thanks to rigorous reforestation initiatives and incentives for landowners to plant trees. The country powers 98% with renewables and ensures that all citizens are eco-educated and incentivized to preserve biodiversity and live green. Poundbury, Dorset, England was built according to the vision for Britain of King Charles III. It has attracted sustainability folks from around the U.K. to its community. Damers First School, under the leadership of former eco coordinator Edd Moore, became one of the best examples of a green school in the world. Damers has received awards from Jane Goodall‘s Roots & Shoots program, from the UK’s Eco Schools program, from Surfers Against Sewage, and so many other organizations who recognize the power of educating children on nature and the environment. The 5 to 9-year-olds at Damers First School:
You can watch some of the great work being done by schools in the Kids episode of our Earth Gratitude 5-part docuseries. Earth Gratitude is another example of partnership and community, with contributions from H.M. King Charles III (when he was The Prince of Wales), H.H. The Dalai Lama, Sia, Ed Begley Jr.,XPRIZE, Wangari Maathai, Arianna Huffington, The Duchess of Northumberland,Deepak Chopra, EARTHDAY.ORG, Ron Finley, the NRDC, Global Green, Lynne Twist, Green Our Planet, Life is Good, Master Sha, Leon Krier, Kiss the Ground, Nathalie Kelley, 4p1000.org, Alice Waters, The Edible Schoolyard Project, H.M. Queen Diambi, The Pachamama Alliance, WildlifeDirect and more. . Be the Boss of Your Money A bond manager had to report daily to her billionaire boss. The vice chairman of an investment bank still has to politely turn down the sales requests of his banker to get into long-term Treasuries for the “income” (even though he’s the expert and she’s the salesman). As Joe Moglia, the former CEO and chairman of TD AMERITRADE is fond of saying, “No one cares more about your money than you do.” In bull markets, our financial advisors will look like geniuses. In bear markets, we’ll think they are jerks. In truth, we should always be the boss of our money and know what we own and why. Gains are ours to keep, as are losses. The broker-salesman gets paid either way. Now, with stocks and real estate still hitting new highs, is a great time to fix the roof while the sun is still shining – to protect our wealth before any economic storms arrive. 10 Additional Wealth Secrets While some nouveau riche (particularly athletes and lottery winners) fly high and crash, others can completely transform the trajectory of generations to come. A focus on education has made Asian Americans the top U.S. household income earners. Learn 10 additional wealth secrets in my 2023 blog on Wealth Secrets. Bottom Line People don’t get rich or stay rich by accident. Most of them employ the legal means and wealth secrets listed above -- which any of us can adopt to live a richer life. When we are struggling to survive it is hard to imagine that a complete money makeover could change everything. However, I can attest personally that adopting these wealth strategies leads to greater wealth, a much richer life, and the ability to enjoy the flow of money instead of feeling like it flies out the window all the time. Is it possible to love paying your bills? Certainly not if you really don’t like the things that you spend money on. However, when you erase the board clean of what you believe life has to be, and dream of what you would like it to be, that is when we can move forward to make the necessary changes to build and sustain the life of our dreams. There are a lot of secrets, strategies, and tax advantages available to all of us. Contrary to popular beliefs, earning more isn’t the ticket out of the rat race. (Earned income is taxed at the highest rate!) It’s investing more and wasting less, combined with partnering up to keep the money flowing in our family and communities, and to stop making billionaires and entrenched, outdated corporations rich at our own expense. 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 Pace, Lauren Anderson and Linda Bjork at a 21 Leaders Gala honoring Melanne Verveer and other leaders. 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 Housing & Budgeting Solutions. Will Boeing Be Booted Out of the Dow Jones Industrial Average? 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.  Photo: Natalie Pace on Good Morning America (with her son) being interviewed by Diane Sawyer. She was there to discuss how a simple co-housing solution (CoAbode.com) was helping her to save thousands of dollars every year, while also giving her countless more personal time. Housing & Budgeting Solutions. 7 money secrets of the wealthy that could save all of us tens of thousands of dollars every year. Below are the topics we will cover in this blog. If you’d like to join me live on Thursday, Oct. 17, 2024, at 4 pm PT, email [email protected] with VIDEOCON in the subject line. Be sure to check out our Natalie Pace channel on Youtube for all of our free videoconferences and Substack for the podcast on this topic (after Oct. 17th) at https://youtube.com/nataliepace and https://nataliepace.substack.com/. Subscribe there so you don't miss a thing. Think Bigger Slash the Big-Ticket Bills Partner Up Be Careful of Buying High Simple Math Can Be Very Deceiving Rampant Fraud & Deception When You Search for a New Mortgage How Low Will Interest Rates Go? Here is more information on each point. Think Bigger There are many ways that we need to think bigger to exit the rat race. One way is to understand that we can be very frugal and still be struggling to make ends meet. Most of us are not shopaholics. If we’re under the age of 40, we might be spending 30 to 50% of our income on housing, and there are a lot of other expenses to try and fit in, including transportation, food, health care and insurance. If we move to a more affordable city, chances are wages will be lower while our commute costs could be much higher (particularly if it lengthens our driving time to the office). For many of us, buying instead of renting could be even more expensive, even if the simple math suggests otherwise. I’ll discuss that in the simple math topic below. Once we acknowledge that the sinkhole in our budget is not going to be fixed with curtailing café lattes, we can tackle the real challenges of living in the 21st Century. Life doesn’t add up. We must think creatively to make ends meet. We have to find ways to lower our personal costs of housing, transportation, medical insurance, taxes and other big-ticket bills that are weighing on our household finances. Slash the Big-Ticket Bills This was a game changer for me personally. I would definitely not have the career I have if I had not found a way to cut costs. Increasing income is what we always think we need to do. However, finding ways to keep more of our money, and invest, save and spend it on things we truly care about is the real game changer. I’ll discuss how to dramatically reduce housing costs in the point below. There is an entire section of Real Estate in the 6th edition of The ABCs of Money devoted to informing us on this topic. Most of us are spending $9000 or more a year on each car we own. Many families spend $10,000 or more a year on health insurance. Main Street gives up a great deal more of our income in taxes (percentage-wise) than most billionaires do, while many of the strategies they employ to lower their taxable income are available to all. (Peter Thiel reportedly has $4-5 billion in his Roth IRA – an amount that is exempt from capital gains and income taxes, unless the laws change.) There are creative solutions that could dramatically reduce all these expenses. You can read about them in the 6th edition of The ABCs of Money. You can learn and implement them by attending our Oct. 18-20, 2024 Financial Freedom Retreat. You can also receive private coaching and a money makeover from me privately. Email [email protected] or call 310-430-2397 to learn more.
Partner Up Rich people plan 100 years in advance. They are thinking about their parents, and also their great grandchildren. What would happen if all of us were looking at money from a multigenerational perspective? Could we keep more money in the family, instead of making the landlord rich? A mortgage interest rate that’s under 4% is an asset. However, that valuable holding could be at risk if it is attached to a home that someone can no longer afford. Can we keep both with a multigenerational family plan, where everyone wins? If we add up all the lodging costs of everyone in our immediate family (three generations), the total could easily be in the hundreds of thousands every year – money that is flying out the window to make other people rich. (Four people paying $2,000/month equals $96,000/annually.) When we think bigger and partner up with family members, friends, or natural alliances, we can secure more space, a better neighborhood, and save up to half of our housing costs. Many two-bedroom apartments cost only a few hundred dollars more per month than a one-bedroom. Grandparents are ready to downsize at the time that their grandchildren need a bigger home and a better neighborhood for school. Adding an ADU* to the backyard could be an affordable and advantageous housing option, particularly as the aging process reduces mobility and other functions for elders. Some states offer grants for ADUs, while cities often fast-track permitting. *Accessory Dwelling Unit (granny flat) Single moms who team up together can save up to $19,000 per year (per family) and have substantial more personal time each week. That is according to research done by CoAbode.com. Check out my interview with the CoAbode.com founder and CEO Carmel Boss at YouTube.com/NataliePace.  Data and research provided by CoAbode.com. When we reduce our housing costs by a third or more, we can save up to buy our own home, or perhaps even save our family home, if our parents are in need of downsizing. Be Careful of Buying High When we get married or start a family, it’s quite natural to think of owning our own home. However, real estate prices are at an all-time high. Buying high in real estate, especially if we’re stretching our budget in order to do so, can be one of the most devastating financial choices we ever make. During and after the Great Recession, over 20 million people lost their homes.  All those families experienced a period of 5-10 years (or longer) of grave financial hardship. For some, the stress cost them their health, while others couldn’t save their relationship from the fallout (in addition to losing their home). Real estate is an illiquid investment. Once you own it, it can be difficult to unload it. So, it’s important to have all the facts in front of us before we decide whether buying a home right now is the best option. We should cast our vision out at least ten years to determine whether this particular area and dwelling is going to be right for us as our family ages. Simple Math Can Be Very Deceiving Up to 82% of people surveyed over the last two years have buyer’s remorse, according to a Clever Real Estate survey in May of this year. Over 40% are struggling to pay their mortgage and have taken on debt since the home purchase. There is a lot of simple math going. People are being told that they could own a home for less than they are renting because rental costs are so high. However, that rudimentary equation, which is really a sales tactic, is often missing the remodeling costs, property taxes, closing fees and commissions, escalating insurance costs, climate change, and other terrifying surprises that can happen when the deed transfers to our name. There is a 10-point checklist in the Real Estate section of the 6th edition of The ABCs of Money that is essential to go through before buying or selling your home. If you’re thinking of selling, be sure that you are thinking of future generations. Don’t do the simple math and think, “If I sell it, I’ll make a boatload of money.” With inflation and high interest rates, money buys a lot less these days. With high home prices and interest rates we might be purchasing less home for a higher price. Additionally, banks were failing in 2023 (with another one down in 2024), bonds lost more than stocks in 2022 (-26%), and stocks fall hard and fast in recessions. There are a lot of ways that we can get separated from our pot of gold.  If you’re ready to purchase, is it possible that the best purchasing plan could be right under your nose by teaming up with a family member who is in need of downsizing and could use the steady fixed income? Rampant Fraud & Deception When You Search for a New Mortgage On October 3, 2024, Bob Broeksmit, the Mortgage Bankers Association President and CEO, issued a warning. Online searches for mortgages have been triggering a barrage of unwanted emails, texts and phone solicitations, some of which have resulted in fraud. The scam artists often pretend to be from the bank that has approved the loan. I encourage you to read this important alert from the MBA, and to always be on alert of just how sophisticated these ruses have become. How Low Will Interest Rates Go? I recently had a coaching session with a client who is chomping at the bit to refinance, who wondered just how low rates can go. So, what are the FOMC members projecting? According to the Summary of Economic Projections that was released on September 18, 2024, the Fed Fund Rate is predicted to land at 4.4% in 2024, 3.4% in 2025, 2.9% in 2026 and 2027, and have a longer run rate of 2.9%. 2.9% is low, but considerably higher than the zero percent interest rates that investors enjoyed (for the most part) between 2009 and early 2022. Of course, projections can change. However, knowing the trend is expected to be down over the next two years gives would-be home buyers and refinancers a timeline to keep in mind.  Incidentally, lower interest rates punish savers and fixed-income retirees. In a highly leveraged Debt World with falling yields, how will we earn income without putting our principal at risk? That is one of the reasons why we are hosting a Bonds & What’s Safe Masterclass on Oct. 26, 2024 to offer resources, strategies, tips and perspectives for keeping our money safe, while earning some income. Bottom Line Housing costs are unaffordable, and life is too expensive. We can drown in debt waiting for the politicians to fix things. (Debt is at an all-time high for consumers, corporations and the country.) This situation has been building up for over a decade – even before the pandemic. The perfect time to purchase a home would have been in 2011, when real estate prices were at rock bottom. However, when twenty million people are struggling to figure out how to sell their home, no one is in a position to buy. Most of us don’t buy low because we can’t. We don’t have any money and might be having a fire sale ourselves to try and stay afloat. That is why it is very important for us to develop and employ a big-picture, long-range plan with regard to our retirement accounts, checking, savings, investments, trading, housing, and strategic bill paying. When we stop making the tax man, the landlord, the gasoline station, the insurance salesman, the utility company, and other billionaire corporations rich at our own expense, we can live a much richer life. The solutions require outside-the-box thinking and are not found in the mainstream media. Our team has been saving homes and nest eggs, while transforming lives on Main Street, since 1999, with time-proven 21st Century strategies. Email [email protected] if you would like access to a free video coaching series on debt reduction and budgeting. We also have 21 days of prosperity and abundance video coaching to promote a healthier, wealthier, more beautiful you. 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.  Photo: Natalie Pace with her No. 1 son son. 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 Will Boeing Be Booted Out of the Dow Jones Industrial Average? 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. |
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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