Category: Investment
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What is the status of Diversity, Equity, and Inclusion measures in 2025?
Times are changing. DEI policy execution is shifting to local, private and some state level programs. Where do we stand now?
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Six reasons why inflation is good
Inflation pushes us to make smarter decisions and often increases our real net worth. It seems like Republicans are stoking fear that inflation is our worst enemy. I notice misinformation and misunderstandings daily. I’m old enough to have lived through two cycles of major inflation and can credit these with much of my financial success.…
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Understanding inflation’s impact on me/us
Residential home prices have a huge impact on my own family’s financial success* (I/my/me) and my clients (our/us). I have historically focused on this segment for my own investments and most of my clients are real estate investors, Realtors, builders, remodels and other contractors. So it is important for me to have a well-considered strategy…
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Disruption of local rural South Jersey real estate market
Zillow forecasts that prices in some U.S. home markets will decline in the year ahead while far more communities will see a further increase in prices. This effect may disrupt communities, especially ours here in lower income rural Cumberland County. I only follow real estate investment for clients in the Delaware Valley region and it…
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401(k) investment choices
The CFO is individually named as defendant in this class action lawsuit for his choice of investment offerings in company’s 401(k) plan. Contrast this story to other news of employees pressuring employers to add a range of non-traditional investments like real estate, partnerships, private company stock and cryptocurrency. The risk to employers and employees is…
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Real estate investing forecast
The sharp and fast rise in mortgage rates this year led to only slow and modest decreases in real estate sales prices. As a result, housing affordability is at its lowest level in 30 years. Predictably, the number of sales completed declined rapidly. The logical forecast is that sales transactions will remain sluggish, making this…
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Where have the good investments gone?
“Where have the deals gone?” This was the title of a podcast yesterday looking at layoffs at America’s most powerful investment firms. They don’t expect the economy to generate enough good deals to keep investment bankers busy. The point is that investment management is a lot tougher right now than any time in the past…
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Cumberland County NJ bayshore real estate update
Short term profits and losses in the real estate market are primarily based on inaccurately valued information. Every buyer or seller has the opportunity to value real estate based on their own opinion. Most opinions are inaccurate. This the opportunity for short term profits (and losses). I expressed concern over local pandemic era home purchases…
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How bad tax advice tripped millions of investors
“Good tax advice may appear to be expensive, but it’s not as costly as blowing up your IRA” -WSJ What’s the easiest way to lose half of your retirement assets to IRS taxes and penalties? Follow the most popular social media tax and investment advice. Investors who lose tax court cases find that cultural norms…
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A sucker born every minute for real estate deals?
Who consistently profits from real estate syndicates, REITS and OZ funds? The promotors and managers for sure; it’s a great business sector. Not so much the average retail investors. The investors’ return is largely driven by economic factors outside of the real estate holdings. For example: interest rates. If interest rates drop, that is normally…