Your Survival Guy
If You’re a Highly Effective Person, We Should Talk

Happy Friday. It’s tax season. Unfortunately for mutual fund investors, this can be the time of year you realize your fund was down, but you still owe taxes. Because of its structure, a mutual fund puts you in the same boat as other investors. If some head for the exits, the manager is forced to […]

If You’re a Highly Effective Person, We Should Talk
E.J. Smith – Your Survival Guy

Your Survival Guy
What’s Happening to Charles Schwab?

Remember, Charles Schwab operates as a bank too. One of the reasons I like doing business with Fidelity Investments is because it’s not a bank and because it is privately owned. It’s not under the gun to meet Wall Street’s quarterly estimates. It’s a family business. Justin Baer and Charley Grant report on Schwab’s current predicament […]

What’s Happening to Charles Schwab?
E.J. Smith – Your Survival Guy

Your Survival Guy
Prepare for the Predictable

Sometimes preparing for unpredictable events like hurricanes, wildfires, and blizzards is easier to do than preparing for the most predictable event of all, getting older. Right now, there are some people who would have a better chance at fighting off a zombie apocalypse than retiring in comfort. According to a new study by Fidelity Investments, […]

Prepare for the Predictable
E.J. Smith – Your Survival Guy

Your Survival Guy
Call It the Difference between Normal and Crazy

In The Wall Street Journal, Judy Shelton explains the problems with the policies implemented by the Federal Reserve and the federal government over the last few years. She concludes: Normalization after the pandemic, however, might have fundamentally changed the landscape for lenders even as it confounded the Fed’s operating model. This may explain why financial […]

Call It the Difference between Normal and Crazy
E.J. Smith – Your Survival Guy

Your Survival Guy
“I Need Preservation of Principal and Growth”

Is there anyone more important than you? You’ve made some promises: In sickness and in health, family first, love thy neighbor, etc. You’re the reason there’s so much to worry about. But in my conversations with you, you don’t always know—you. Let me explain. You’ve worked a lifetime to get to where you are. You […]

“I Need Preservation of Principal and Growth”
E.J. Smith – Your Survival Guy

Your Survival Guy
Are You Fairly Wealthy? I’m Listening

Did you catch the Sunday New York Times article on the supper clubs in Palm Beach? Look, Your Survival Guy loves Palm Beach, especially lunch at the Brazilian Court, but a supper club? Sounds expensive. But wait a second. When I started running the numbers, I thought, “Self, it could actually work.” That is, if […]

Are You Fairly Wealthy? I’m Listening
E.J. Smith – Your Survival Guy