Intelligent Money Minute

Intelligent Money Minute

By Hans Blake, CFA, CPABusinessEntrepreneurshipInvesting
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Intelligent Money Minute episodes

  • Tips for Downsizing Your Home in the Next Decade

    On today’s Intelligent Money Minute, I’ll interview Dan Hamilton on some tips for downsizing your home in the next decade. Our previous podcasts with Dan highlighted the Greenville Hotspots and […]

    The post Tips for Downsizing Your Home in the Next Decade appeared first on Intelligent Investing.

    3 min
  • Tips for Downsizing Your Home in the Next Decade


    On today’s Intelligent Money Minute, I’ll interview Dan Hamilton on some tips for downsizing your home in the next decade. Our previous podcasts with Dan highlighted the Greenville Hotspots and Where Greenville May be Trending and Where we May Be in the Greenville Real Estate Cycle. Dan suggests the following tips:

    * The longer you stay in your home, the better.
    * Prepare for aging in place- consider master bedroom on the main level.
    * Properly maintain your home.- check a/c units and roofs
    * Keep your home updated to get top dollar.

    I’ll be interviewing Dan on several podcasts regarding the Greenville market and on real estate in general, so be sure to subscribe to our Intelligent Money Minute podcasts.
    Dan is a founding partner and the Operating Principal of Keller Williams Realty Greenville-Upstate, one of the largest and fastest growing real estate brokerages in the Upstate. He is also the founder and Team Leader of Hamilton and Co. of Keller Williams Realty.
    Dan Hamilton Bio
    A longtime member of the Greenville community, Dan is passionate about serving and improving our community and to that end, he currently serves or has served in the following capacities:

    * South Carolina House of Representatives District 20
    * Board Member, Carolina Hope Christian Adoption Agency
    * Vice Chairman, Greenville County Redevelopment Authority
    * Director & Secretary/Treasurer, Greater Greenville Association of REALTORS
    * Co-Chair, Greenville Workforce Housing Trust Fund Task Force
    * Chairman, Greenville Housing Fund

    On November 4, 2008, Dan was elected to serve his community in the South Carolina House of Representatives. He was elected Vice-Chairman of the Freshman Caucus and Chairman of the Upstate Caucus. He also serves on the Judiciary Committee.
     
    3 min
  • 4 Reasons to Not Worry About a Trade War

    In this latest podcast, we interview Dr. Jeff Roach, our director of research, on 4 Reasons Not to Worry About a Trade War. But first, a little backstory: What Happened […]

    The post 4 Reasons to Not Worry About a Trade War appeared first on Intelligent Investing.

    5 min
  • 4 Reasons to Not Worry About a Trade War


    In this latest podcast, we interview Dr. Jeff Roach, our director of research, on 4 Reasons Not to Worry About a Trade War. But first, a little backstory:
    What Happened This Week?
    On Wednesday and Thursday this week, the Dow dropped nearly 1,380 points. While 1,300 points sounds like a lot, the Dow Jones Industrial Average began Wednesday at more than 26,400. So the decline ultimately represented a loss of just over 5%. In other words, the U.S. stock market is back where it was in roughly mid-July. Keep in mind, the Dow Jones Industrial Average (DJIA), or simply the Dow, shows how 30 large, publicly owned companies based in the United States have traded during a standard trading session in the stock market. It only represents 30 large companies and is a relatively small sample of companies compared to the broad U.S. market and an even smaller sample when comparing to the global markets.
    Why do stock markets increase or decrease?
    A stock moves up or down in price because of investor sentiment. If investors believe a stock is worth more than its current price, it moves up. If they believe it’s worth less, it moves down. Stock markets are immediately responsive to what investors believe. These beliefs generally are formed more in response to investor emotion – how they feel about the stock price – than directly from an analysis of the stock’s metrics –such as improved or declining earnings, the price-to-earnings ratio or earnings per share.
    So Why Did the Stock Market Drop?
    As often occurs after a big market move, traders, news media, and taxi cab drivers offer up several explanations for what happened to the stock market. Here are two possibilities:
    Possibility #1
    One has to do with President Trump’s trade war with China. While the Trump administration has been talking about China for months, it upped the ante in late September by slapping a 10% duty on $200 billion worth of Chinese consumer goods. The China tariffs are expected to jump to 25% in January. The trade stand-off could hurt both the U.S. and Chinese companies, by raising production costs and crimping consumer spending, which could affect GDP.
    Possibility #2
    Also in late September, the U.S. Federal Reserve raised interest rates for the third time this year. Those moves are meant to reduce the risk of inflation, which has been finally beginning to tick up as the U.S. economy gains steam. Higher interest rates hurt stocks by making bonds a comparatively more attractive investment, and by making it more expensive for companies to borrow and invest.
    So what can you do?
    First, make sure your portfolio is prepared to weather the next storm. Second, ensure it is aligned with your risk tolerance and goals, and third, have a sound investment philosophy. We would be honored to serve you and your family and may provide a complementary portfolio review if you are concerned.
    5 min
  • What is the Purpose of the Federal Reserve?

    The Federal Reserve ‘s Federal Open Market Committee, or FOMC, announced the third rate hike of 2018 this week, a move that was widely expected. But you may be wondering, […]

    The post What is the Purpose of the Federal Reserve? appeared first on Intelligent Investing.

    3 min
  • What is the Purpose of the Federal Reserve?


    The Federal Reserve ‘s Federal Open Market Committee, or FOMC, announced the third rate hike of 2018 this week, a move that was widely expected. But you may be wondering, why did they increase the Federal Reserve’s Fund rate, and what is the purpose of the Federal Reserve, anyway. On this podcast, I’ll interview Dr. Jeff Roach, our Director of Research on the purpose of the Federal Reserve.
    Federal Reserve
    The Federal Reserve System, often referred to as the Federal Reserve or simply “the Fed,” is the central bank of the United States. It was created by the Congress to provide the nation with a safer, more flexible, and more stable monetary and financial system. The Federal Reserve was created on December 23, 1913, when President Woodrow Wilson signed the Federal Reserve Act into law.
    Since 1977, the Federal Reserve has operated under a mandate from Congress to “promote effectively the goals of maximum employment, stable prices, and moderate long term interest rates” — what is now commonly referred to as the Fed’s “dual mandate.”
    3 min
  • Where Are We in the Credit Cycle?

    On this podcast, I’ll interview Dr. Jeff Roach, our Director of Research on where we may be in the credit cycle. This is important to understand as the Federal Reserve’s […]

    The post Where Are We in the Credit Cycle? appeared first on Intelligent Investing.

    3 min
  • Where Are We in the Credit Cycle?


    On this podcast, I’ll interview Dr. Jeff Roach, our Director of Research on where we may be in the credit cycle. This is important to understand as the Federal Reserve’s next meeting is scheduled for Sept. 25-26.
    Credit Cycle
    The credit cycle is the expansion and contraction of access to credit over time.
    During an expansion of credit, asset prices are bid up by those with access to leveraged capital. This asset price inflation can then cause an unsustainable speculative price “bubble” to develop. The upswing in new money creation also increases the money supply for real goods and services, thereby stimulating economic activity and fostering growth in national income and employment.
    When buyers’ funds are exhausted, an asset price decline can occur in the markets which had benefited from the credit expansion. This can then cause insolvency, bankruptcy, and foreclosure for those borrowers who came late to that market. This, in turn, can threaten the solvency and profitability of the banking system itself, resulting in a general contraction of credit as lenders attempt to protect themselves from losses.
     
    Sources: Article
    3 min
  • Where Are We in the Greenville Real Estate Cycle?

    On today’s Intelligent Money Minute, I’ll interview Dan Hamilton on some key real estate metrics and where we may be in the Greenville real estate cycle. Our previous podcast with […]

    The post Where Are We in the Greenville Real Estate Cycle? appeared first on Intelligent Investing.

    4 min
  • Where Are We in the Greenville Real Estate Cycle?


    On today’s Intelligent Money Minute, I’ll interview Dan Hamilton on some key real estate metrics and where we may be in the Greenville real estate cycle. Our previous podcast with Dan highlighted the Greenville Hotspots and Where Greenville May be Trending. Dan and his team look at four key metrics to help them determine where we might be in the real estate cycle:

    * Average Price
    * Days on Market
    * Inventory
    * Number of Homes Sold

    I’ll be interviewing Dan on several podcasts regarding the Greenville market and on real estate in general, so be sure to subscribe to our Intelligent Money Minute podcasts.
    Dan is a founding partner and the Operating Principal of Keller Williams Realty Greenville-Upstate, one of the largest and fastest growing real estate brokerages in the Upstate. He is also the founder and Team Leader of Hamilton and Co. of Keller Williams Realty.
    Dan Hamilton Bio
    A long time member of the Greenville community, Dan is passionate about serving and improving our community and to that end he currently serves or has served in the following capacities:

    * South Carolina House of Representatives District 20
    * Board Member, Carolina Hope Christian Adoption Agency
    * Vice Chairman, Greenville County Redevelopment Authority
    * Director & Secretary/Treasurer, Greater Greenville Association of REALTORS
    * Co-Chair, Greenville Workforce Housing Trust Fund Task Force
    * Chairman, Greenville Housing Fund

    On November 4, 2008, Dan was elected to serve his community in the South Carolina House of Representatives. He was elected Vice-Chairman of the Freshman Caucus and Chairman of the Upstate Caucus. He also serves on the Judiciary Committee.
     
    4 min

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