The quick brown fox jumped over the lazy dog, sir. The quick brown fox jumped over the lazy dog, sir. The quick brown fox jumped over the lazy dog, sir. The quick brown fox jumped over the lazy dog, sir.

The quick brown fox jumped over the lazy dog, sir. The quick brown fox jumped over the lazy dog, sir. The quick brown fox jumped over the lazy dog, sir. The quick brown fox jumped over the lazy dog, sir.

Why The Tax Cut Bonuses Ring False

Every once in a while, when a baseball player hits one out of the park at an away game, the fan who catches the ball throws it back on the field. Why celebrate the opponent’s achievement? As rebukes go, it’s not subtle.

Sometimes I wonder if the rank and file employees who got $1,000 “tax cut” bonuses might give it back to their employer or use it to light a cigar. The list of companies giving $1,000 bonuses to employees in the wake of the tax cut keeps growing. AT&T, Alaska Air, Charles Schwab, U.S. Bancorp, Tyson Foods and Comcast, among others, have doled out $1,000 raises. read more

Bullet Proof Balance Sheets

While a focus on growth has always been in fashion, the advent of COVID-19 has enhanced the currency of balance sheets.  

I know this because an article I wrote with client Ken Berman of Gorilla Trades quickly generated more than 400,000 page views after we published it on Kiplinger.

The list of 25 companies includes predictable entries like Google, Amazon, Apple, which sport truly amazing balance sheets, but also fly-below-the-radar mid caps like data security firm Fortinet (FTNT), Cognex (CGNX), which develops machine visions systems, biotech’s Incyte (INCY) and Old Dominion Freight Lines (ODFL).  read more

Re-Writing The Rules

Introduction

The rules governing sports seem unassailable. The rules are, well, the rules.

That said, this doesn’t mean they are the best rules or the best way to play. Well-meaning rules have unintended consequences. And some rules are just plain bad rules.

This small book suggests some new rules. It offers fans something new to think about, and the opportunity to explore some possibilities and potential outcomes.

These suggestions are not meant as recommendations to the governing bodies of any sport. read more

The Most Useless Time In America

What To Do Instead of Watching The Super Bowl Halftime Show

Introduction

The most useless, wasted time in America is the 30 minutes which constitute the Super Bowl halftime ‘extravaganza.’

Kid Rock wearing the American flag like a poncho . . . rapper M.I.A. giving the finger wearing, of course, Egyptian head dress and fishnet stockings. And who could forget the wardrobe malfunction?

This book offers some prescriptions for what Americans could do with this time.

Here’s the nib of it: the 30 minutes wasted by the 110 million Super Bowl fans exceeds 2,000 years of time. Two millennium. When you consider what Einstein or Franklin accomplished with their brief mortal dalliances, imagine the possibilities of reclaiming entire millennia. read more

The Book of Business

David R. Evanson

Forward: I wrote this book for students of business, and maybe students of human nature too.

I say students because, for better or for worse, the people covered in these few short stories, all of them clients, taught me a lot of what I learned on both topics.

It’s a gallery of heros, fools, visionaries and rogues who succeeded and failed on a grand scale. Some operated in the spotlight, but, like most of us, most toiled in relative anonymity.

In each story, I’ve offered up what I learned, but I hope readers will not get too caught up in that. Really, the main goal here is to entertain and amuse.
read more

How Leverage Hurts Investors

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Quality On Tap

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IRS Grants Extension: File Now, Pay Later

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About That Rate Cut

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Airline Bailouts Yes, But Concessions Too

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Your Tax Dollars At Work

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Wall Street Fiction Might Be Easier To Take

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Monday’s Route Not Worst By Long Shot

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The Peril and Promise of Dividend Investing In a coronavirus World

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Size Does Not Provide Immunity Against Coronavirus Downdraft

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Coronavirus Finds Winners In Stock Market Too

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About Your Tax Preparer

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The Long Arm Of The coronavirus Part II

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The Long Arm Of The coronavirus Part I

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Stocks: It’s Bad, But Not That Bad

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Hot Tip

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Elections Years Produce Strong Returns

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You’ve Got Cash . . .

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What’s In A Name?

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The Economy Is Growing, But For Whom?

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Cash, Cash and More Cash

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The Danger of Picking Top Performing Mutual Funds

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Wither The Robo Advisor

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The Illusion Of Successful Investing

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The Way We Were

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World Order

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Common Estate Planning Errors

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2020: It Will Be A Very Good Year . . . Maybe

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Bad Celebrity Investments

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Ways To Own Gold

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The Other Kind of Diversification

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ETF DeathWatch

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Dividend Gut Check

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Which Is Better?

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Stoke That Sibling Rivalry

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Bourbon As An Investment

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Earnings on Deck

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Insecure IRAs

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Where The Dollars Are

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Will The SEC Protect You?

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Growth Wins, For Now

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Royal Returns on Your Investments

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The Way We Were

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2020: It Was A Very Good Year?

That’s a sentence you don’t see too often.  However, if you like dividends, it was with the 500 largest public companies in the U.S. paying nearly $500 billion to their shareholders.  Any way you measure it, $500 billion is a big number.  

Net of the defense budget ($616 billion), the dividends paid by the largest U.S. companies were greater than the funding for almost every cabinet level department — Education, Homeland Security, Justice, Veterans Affairs, among 11 others as well as major agencies such as the EPA and SBA for 2019.   read more

No, This Isn’t 2008: Perspective On The Coronavirus Economy

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Covid Stocks And The Three Bears

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What Does The Fed Know That We Don’t?

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How to Make Volatility Work For You

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Should You Position Your Investments For A Recession?

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Why Your One-Stock Solution Isn’t A Solution

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If You Believe In Human Progress, Buy Stocks

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How To Acclimate To The Cold Sting Of Market Volatility

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Tech Mania: Is This 1999 All Over Again?

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Why The Federal Deficit Isn’t Cause For Panic… Yet

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How To Avoid Getting Wiped Out By The Next Harley Davidson

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It’s Time To Embrace Rational Investing

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Don’t Let Your Industry, Job Or Company Get Amazon-ed

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3 Steps To Earn The Same Returns With Less Risk

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Tax Loss Harvesting Season: What You Need To Know

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An Investing Strategy For Our Current Bull Market

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3 Things Your Financial Advisor May Not Be Telling You

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Getting Real About Returns In A Low-Yield World

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Who Wants To Be A Millionaire?

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What the Selloff in the Bond Market Tells Us about a Trump Administration

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Your Vote Shouldn’t Impact Your Investment Decisions

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Warren Buffett: The Wealthiest Index Investor?

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Are Global Stocks Poised To Win A Gold Medal, Or Will They Be Left Off The Podium?

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Keep Calm And Carry On: Globally Investing After The Brexit Vote

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Gold: What Is It Good For? Absolute Value Or Absolutely Nothing?

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Will The Party Continue For American Investors?

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Do U.S. Savers Need To Worry About Negative Interest Rates?

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Rebalance Regularly, Even During Periods of Volatility

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The Case for Emerging Market Stocks

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3 Common 401k Mistakes Investors Should Avoid

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FANG versus Everything Else: 2015’s Performance Divergence

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Four Essential Elements Of Successful Investment Portfolios

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Choosing The Portfolio You Need vs. Being Sold The Portfolio You Want

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Should You Invest In Expensive Growth Stocks Or Less Expensive Value Stocks?

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

3 Things Every Investor Should Know About Recent Market Volatility

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Which Financial Services are Worth Paying For?

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

With a Rate Hike on the Horizon, the Fed needs to be Wary of Headline-Seeking Pols

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Why You Shouldn’t Worry When the Fed Raises Rates

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Enhance Returns By Chasing Buybacks?

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Active Versus Passive Investing: Are These Really The Only Two Options?

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

When To Plan For 2015 Taxes: Now

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Europe’s Groundhog Day: Can the E.U. Break Out of 2011?

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Currency Headwinds Taking Center Stage

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2015 Global Outlook: Convergent & Uncertain

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

To Maximize Your Wealth, Think Like a Realtor

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

What to Do When Everything Looks Expensive

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Don’t Change Course Based On The 2014 Anomaly

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Four Reasons Why Earning Seasons Matter To The Long-Term Investor

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Corporate Inversions: Boogeyman or Straw Man?

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Three Ways The Shrinking U.S. Trade Deficit Should Prompt You To Rethink Your Portfolio

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Small Caps: The Good, Bad and the Ugly

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Why Cash May Not Be As Safe As You Think

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Leverage CalPERS Hedge Fund Move As Reflection Point For Evaluating Your Portfolio

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Worried About Russia Invading Your Portfolio? Maybe Not Such A Bad Thing

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

India: Investing Beyond The Obvious

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Tech Selloff Underscores Dangers Of IPOs

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Don’t Be Seduced By Tax Benefits And High Yield — Beware The MLPs

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

China’s Turn For A Debt Crisis: Keep Your Eyes Open For The Unexpected

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Dour Outlook For Brazil May Be Exaggerated: A Contrarian Take

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Yellen Is Worried About Housing, What Does That Mean For You?

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Could Your Wealth Advisor Disappear?

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Michael Lewis, Market Rigging And Mom & Pop: A Chief Investment Officer’s Perspective

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Paradox Of Growth: The Fastest-Growing Economies Don’t Have The Highest Stock Market Returns

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Does Your Wealth Manager Optimize For Taxes?

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Why And How To Choose A Financial Advisor

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

7 More Things Top Investors Avoid

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

8 More Things Top Investors Avoid

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Three Kinds of Fees Your Wealth Manager Doesn’t Mention

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Beware Of ‘Story Stocks’

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

5 Questions To Ask Before You Retool Your Portfolio For 2014

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Eight Traps Top Investors Avoid

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

How to View Emerging Markets Now

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

6 Tax Loss Harvesting Tips

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Beware The Pitfalls Of High Yield Stocks

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Three Things Your Wealth Manager Doesn’t Want You To Know

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Are You Using Indexes To Benchmark Your Way To Failure?

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Are You Too Smart For Your Own Good?

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Diversifying Your Way To Added Risk

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

When It Comes To Investing, Men Are From Venus

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Fuel To The Fire: How Oil (Briefly) Became The New Asbestos

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Don’t Try To Time The Fed

This article was written with Jim Cahn, the Chief Investment Officer at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Forbes to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

3 Silver Linings from Coronavirus Shine for Savers and Investors Today

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

9 Things Your Tax Preparer May Not Want You To Know

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

3 Retirement Tax Mistakes You Can’t Afford to Make

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

Are You Forcing Unintended Consequences on Your Heirs?

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

Equal Shares for Heirs? Not Unless You Take Taxes into Account

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

Is the $1.5 Billion Lottery Winner Better Off Under New Tax Law?

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

Rest In Pieces, AMT

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

Be Roth Smart: An Investment Guide to Roth IRAs

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

All Aboard the Tax Volatility Train

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

How to Take Advantage of the New Tax Bracket Sweet Spots

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

You Can Pay $0 in Taxes on Your Retirement Income

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

QCDs: Use This Tax Strategy to Get More From 2018 RMDs

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

4 Ways Retirement Savers Can Help Reduce Their RMDs

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

Working Part-Time in Retirement Can Be Tricky

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

How Saving Too Much Money Could Actually Backfire

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

4 Actions to Take If You’re Retiring in 2017

This article was written with Brian Vnak, the Vice President of Advisory Services at Wealth Enhancement Group. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Vnak as a contributor and to deliver original articles for them on a regular basis.

5 Best Mining Stocks to Buy Now

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

10 Safe Dividend Stocks You Can Rely On

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

5 Booming Biotech Stocks to Buy

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

25 Blue Chips With Brawny Balance Sheets

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

Investing in Stocks? Balance Sheets Are Everything

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

6 Med-Tech and Medical-Device Stocks to Buy

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

The Best New Stocks to Buy in 2020 (And 2 to Avoid)

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

6 Stocks to Buy for Their Massive Stock Buybacks

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

5 Stock Picks for America’s Everlasting Trade War

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

5 Pharmaceutical Stocks With Big Moats and Bridges

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

5 Best-of-Breed Gold Stocks to Buy Now

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

10 Energy Stocks and Funds to Buy for Dividends AND Growth

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

The Dogs of the Dow 2019: 10 Dividend Stocks to Watch

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

6 Genome Sequencing Stocks to Buy for Big Health-Care Profits

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

10 Deeply Discounted Stocks to Buy

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

5 Hot-Running Health Insurance Stocks to Buy

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

5 Fintech Stocks to Buy for the Future of Finance

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

6 Stocks to Buy for Trade War Protection

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

14 Top-Flight International Dividend Stocks to Buy

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

10 Safe Blue-Chip Stocks You Want to Own

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

5 Sin Stocks You Can Feel Good About

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

5 Bank Stocks to Buy for a Rising-Rate Environment

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

5 Dividend Stocks That Can Deliver Income AND Growth

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

5 Strong Stocks to Buy for an American Infrastructure Boom

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

6 Dividend Growth Stocks to Stay Ahead of Rising Interest Rates

This article was written with Ken Berman, founder of Gorilla Trades. It was part of a series of articles developed under an agreement with Kiplinger negotiated by me to designate Mr. Berman as a contributor and to deliver original articles for them on a regular basis.

Media Exposure By The Numbers

Since November 2010, I’ve sent out 12,471 queries to the media.  I know this because the software platform I use keeps track of them. That’s about 5 a day for a decade.  The learning comes not so much from what I’ve sent out, but rather from what comes back.  Based on the responses I get, and the buckets they fall into, here’s what seems to drive media interest: 1) Serendipity; 2) Consistency; 3) Brevity.

First, reporters often get back to me not about what I’m pitching, but about something else they are working on.  The query reminds them my client is a source. read more

The Feminine Touch, Hopefully

Jane Fraser was selected to be the next CEO of Citigroup, the first woman to run a “money center” bank.  One can only hope that she will best the performance of her predecessors.  Aside from a decade of irrational exuberance in the price of Citigroup shares (see graph below) any time frame in which one might evaluate them, year to date, one year, five years, or say 25 years, the performance is abysmal. 

And let’s not forget, Citigroup was a stock that was trading at $557 before the Great Recession.  At today’s price of about $50, the leadership prior to Ms. Fraser’s ascent lost more than 90% of the value once held by shareholders.    read more

Reminiscing The IPO Market

The unicorns are filing one after another for initial public offerings and the excitement in the IPO market is taking me back to 1982, when I was working at a publication called Going Public: The IPO Reporter, the pre eminent journal tracking initial public offerings.

I joined the staff in late 1982, and the total tally of IPOs for the year was something like 300 deals. Then near the end of the year, a well placed venture capitalist predicted that next year’s haul would be something like 600 deals. read more

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Elon Musk’s Mark Twain Moment

Mark Twain was the pen name of Samuel Clemens. Clemens was a very clever writer. So it should come as no surprise the very name he chose for himself — Mark Twain — would be steeped in mystery and uncertainty.

Since time immemorial sailors have marked the depth of by throwing a weight in the water at the end of a sounding rope with knots every 6 feet. The second knot was known as the twain, and it marked 12 feet, the minimum amount of water the paddle boats during Twain’s time needed without running aground. So when sailors yelled out ‘mark twain!’ for the captain, it was a moment of uncertainty. Was the boat moving into deeper, safer waters, or was it heading into shallower dangerous waters? read more

Innumeracy Hurts

Innumeracy — the numerical version of illiteracy — hurts.  It hurts more because unscrupulous parties use it to paint a convincing picture that is at odds with reality. Discourse, opposition, and needed change can all be suppressed by preying on innumeracy.  To see this in action, consider the case of Walmart back in the spring of 2015.  At the time, the inadequacy of the minimum wage was a raging national debate.  Fast food workers were organizing a walk out.  One after another, corporations were announcing increases in the minimum wages they paid to avoid a social media backlash. read more

When Capitalism Hurts: Amazon and Detroit

When Amazon released its top 20 contenders this morning, I quickly scanned the list — not for my city, Philadelphia — but for Detroit.

I was sad Detroit didn’t make the cut.  It was a bad day for them and a bad day for the country, I thought.

It made me think about all the statements we’ve heard from iconic tech entrepreneurs about the transformative power of technology.  Well, Detroit is a place that needs to be transformed.  Where are these icons now?

To be sure, there’s a business case to exclude Detroit from the final cut.  Amazon said it was looking for a stable and business friendly environment and access to technical talent, probably not Detroit’s strongest suits. read more

And Now, Fake Earnings

With earnings season here once again, and the term fake news ricocheting across social and traditional media, it’s not too great a leap to get to the concept of fake earnings.

Lots of companies present earnings that aren’t really earnings.  For example, in January Intel reported earnings of $10.3 billion, and then adjusted earnings of $13.2 billion, about 30% higher . . . At Google, net income was $4.9 billion but adjusted net income was $6.0 billion or 23% higher . . . Drug maker Celgene reported net income of $2 billion, but also presented investors with adjusted net income of $4.8 billion, 140% higher. read more

Getting Media Exposure: Sharing Matters

For companies trying to develop relationships with the media, here’s another arrow for your quiver:  Share the stories they write with your social media networks.  This according to journalists and reporters themselves.  When asked in the 2017 State of the Media Report by public relations software firm Cision, ‘How can communications professionals improve their media relationships and improve the chances that their content gets media exposure?,’ 31% said ‘share my stories on social media,’ up from 27% in 2016. read more

The Myth Of The Mainstream Media

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It seems almost every reporter, anchor, radio host or ‘influencer’ out there likes to point out they are giving you information that ‘the mainstream media won’t report on.”

Sometimes it’s information the mainstream media “wouldn’t dare report on.”

I would offer that if you are trying to interpret the media landscape today, remove the notion of the mainstream media from your thinking because it doesn’t exist anymore.

The modifier mainstream implied wide distribution and consumption, which meant influence, which meant power.  While the venerable New York Times has a circulation of ~2 million (1.4 million digital only subscriptions and 600,000 print subscriptions), a big number, it cannot compete with even second tier social networks (i.e. not Facebook). Reddit, for instance, has ~540 million visitors per month.  Tumblr has a (disputed) 300 million monthly visitors. read more

More Cheating = More Regulation

I kind of like seeing the CEO of Wells Fargo on the hot seat in front of the house and senate for the fraudulent opening of customer accounts.  I always felt Wells Fargo’s conduct in general and their attitude toward their customers was criminal.

I just didn’t know how accurate my sentiments were.  Don’t get me wrong. The rank and file are nice enough and hard working.  But they’re hamstrung by policies from on high that prevent them from acceding to customers needs.  And the imprint of senior management is imbedded in information systems that spit out a dizzying array of fees, penalties and abusive policies. read more

Media’s Future Will Follow Markets’

Back in 1991, when I was freelancing, casting central newsman Bob Flaherty, then of Equities magazine and now head of his own financial news service, told me to get on a train to New York, visit the offices of something called Instinet and write a story about it.

Instinet, owned by Reuters at the time, was shaking up the trading business with its recently introduced “crossing” system which allowed institutional investors to trade directly with each other, effectively bypassing the exchanges and stock markets. read more

Active vs. Passive: Game Over

I just finished a white paper for a large financial institution on the well worn topic about which is better: active or passive investment strategies.

Sometimes, it’s productive revisit old topics because they bring a fresh perspective that either reinforces ones’ conviction or makes a slight chink in the wall that slowly exerts its influence until the next time the subject is revisited.

No such change of conviction occurred about the superiority of passive investment strategies after a deep dive on behalf of my client.  While I managed to write about 2,000 words on the topic, to me, it boils down to this: read more

Failing Fast

My friend, entrepreneur Marc Kramer has started about 20 businesses.  Some have succeeded, others have not.  Among his start-ups,  I asked him if he got signals early on that he had a clunker on his hands, and if so, what the signs were.

Generally, he said, he knew within about 120 days whether or not the concept is going to fly.  Here are some of the sign posts he saw along the way that informed his thinking.

Little word of mouth.  Kramer says word of mouth is the ultimate acid test.  “If consumers are using your product, and are not excited enough and satisfied enough to tell friends, family and colleagues about it, your product or service is unlikely to succeed.” read more

How CEOs Scare Investors

When portfolio managers take a position in a company’s shares, or even think about taking a position, it’s a highly analytical process.  But interpersonal dynamics have an impact too. When a CEO makes an investor’s Spidey sense tingle, it can derail the investor’s interest.  Here’s some ways I’ve seen CEOs get on the wrong side of an investor.

=&0=& Despite prevailing sky-high compensation for CEOs, it still makes investors jumpy.  Among S&P 500 companies, the CEO’s salary has less of an impact. But among small and mid-cap companies the impact is larger.   When a CEO is making $5 million a year, the investor will register a risk that the CEO might be fat, happy and overly motivated to maintain the status quo.

=&1=&  If a company stumbles, and the portfolio manager (and his or her investors) lose, they want the CEO to lose too.  It’s not vindictive, but rather a question of aligning interests. When a vast majority of the CEO’s wealth is tied up in the company’s shares, this alignment is achieved.

=&2=&  Some CEOs spend most of their time talking and meeting with potential investors.  CEO access is a positive, but only to a point.  When CEOs are always selling stock, they’re not managing and investors are attuned to this.  From an IR perspective, it can be far more productive to meet with existing investors and squelch selling at the source than fishing for new investors.

=&3=&  For a non deal roadshow, when there’s a single portfolio manager with a notepad sitting across from 6 company representatives, it’s awkward.  Further, the investor starts asking:  Does the CEO have an outsized ego?  Is the CEO insecure?  Are other company executives afraid to have the CEO talk to investors alone?

=&4=&  Investors can smell a ‘deal guy’ a mile away.  There’s nothing wrong with being transactionally oriented per se, but it establishes a hurdle the CEO must overcome.  Specifically, the investor is left to wonder: is this CEO a steward of long term value or simply the architect of the next transaction?

None of these traits are deal killers per se.  However, what they can do is establish a negative perception that must be overcome, or worse, gets exacerbated over time.

Meeting with investors seems compulsory, but it isn’t.  And it’s rife with risks too.  Remember, the very best investor relations program includes a CEO who sticks to his or her knitting and grows earnings.

CEO TV:  The Wave Continues

On Monday, I wrote about the wave of CEOs on TV following earnings reports and offered that keeping quiet after earnings can work too.

And then none other than Apple’s chief executive officer Tim Cook joins the movement by appearing on Jim Cramer’s Mad Money Monday night.

Why would he do this?  Here’s two theories.

First, they really do worry about the price of the stock at Apple, and Cook’s appearance was an effort to rally the faithful.  This seems unlikely.

More likely, it’s something like this:  Apple management believes now is the time to introduce Tim Cook as his own man.  Up until now, Cook has been perceived as Steve Jobs’ replacement.  As shareholders and customers finally, sadly realize Steve Jobs can’t be replaced, there is a natural opportunity and risk for Cook.  By trotting our Cook now, Apple is trying to manage the risk and capitalize on opportunity.

The risk is that Tim Cook, unexpurgated, is not compelling in the production of earnings or navigating uncharted territory in privacy and security.  As CEO of the planet’s most valuable company, he’s got to be compelling on one, either or both.

The opportunity is that he’s precisely the right man at the right moment if, among other things, he can convince his publics of this.  With Apple now talking about how lucrative it will be providing services to customers, Cook can step into the fore as not the innovator that Jobs was, but rather as the able steward of a community with more than one billion members.

So the segment on CNBC could have been pure, unadulterated spin designed to tackle a long term risk, not the present choppiness in the stock.  What Cook had to weigh, and what other chief executive officers should weigh, is and whether taking to the airwaves and talking in an uncontrolled environment — irrevocably —  to a large television audience will solve problems or create new ones.

 

Telling Everyone All About It, Again

I like earnings season because of the surprises.  But sometimes, you get to see something over and over again.  In what has become a tough reporting period, CEOs are taking to broadcast outlets explaining, first hand, the shortcomings of the most recently reported results.

Notable so far this season was Sally Smith of Buffalo Wild Wings and Jeff Weiner of LinkedIn both on the tube following earnings reports.  Ms. Smith went right into the crucible, appearing on Mad Money with Jim Cramer explaining among other items, the importance of takeout, while Mr. Weiner appeared on screen to unravel sequentially flat revenues and lumpy EBITDA. read more

Investor Relations:  The Long Conversation

If a stock shows a significant positive change in revenues or earnings with an attendant rise in the price, do you believe portfolio managers will be moved to buy it?

Conversely, if there were a significant negative change in earnings or revenues, would they short or sell it?

Chances are the portfolio manager would not buy or sell.  They would observe, they would take in the new data points, but that might be it.

Remember, a managed fund portfolio might have 50 to 100 positions.  Some have even fewer.  The point is, adding and subtracting positions is the most carefully considered activity a portfolio manager undertakes.  It is, in fact, exactly what they are paid for.  As a result it’s unlikely they will make a change based on a singular data point. read more

How VCs Analyze Financials: Part I, The Income Statement

If you have historical financial statements, your would-be venture capital investor will take high interest in them.  VCs typically look at financial statements differently than other investors, and certainly differently than a lender would.

This three part series will look at the three primary elements:  income statement, balance sheet and statement of cashflows.  Part one, the income statement follows.

(If your company is very early or seed stage, read on regardless, for insights on how to construct your financial statements once expansion materializes.)

The first stop on the income statement are usually the gross, operating and net margins to see if they are in line with industry averages. Next, they’ll tend to look at the trends in contributions to revenues if the company has more than one product or line. Ideally, revenue figures will show a trend toward the higher margin products/services over time.

In addition, most investors will be looking at whether or not the revenues are recurring in nature — that is, are they coming from new or existing customers? It’s much less expensive to generate revenues from existing customers than it is to go out and find new ones. If the revenue structure is a recurring one, it’s easier to make the case for growing margins over time.”

Next, general and administrative expenses. If these are high by industry standards, it’s not necessarily a negative, if you can make the case you’re simply managing income for tax purposes. After all, that’s what small business owners are supposed to do. When general and administrative expenses pose a problem to investors is when the organization is plain top heavy because it’s a sign of management shortcomings.

Next, if there’s not R&D on the balance sheet in the form of capitalized expenditures, then most investors will be looking for some R&D expenses to show up on the income statement. Of course, this mainly applies to technology companies, where innovation offers an edge. R&D can be a very important factor for leading edge technology companies, because innovation is the force that will drive future revenues.  At Intel for instance, R&D was about 21% of its $55 billion in 2015 revenues.

In addition to the overall volume of expenses, says most equity investors will also look at the trend relative to revenues. They’re looking for operating leverage. Ideally, the company is engaged in a business where operating expenses, as a percentage of sales, decrease as sales increase.

Operating leverage is a significant benefit, since under those conditions, the company becomes more profitable, hence more valuable, the larger it gets. For instance, at Apple, the company was able to increase revenues by about $66 billion between 2013 and 2015, with an increase of just $7 billion in operating expenses.  That’s leverage.

Stepping back and looking at the income statement, an investor might wonder if a more conservative approach to revenue recognition would turn what appears to be a profit into a loss. Deferred expenses, questionable gains or losses, low returns and allowances charges relative to industry averages or lax revenue recognition policies might all conspire to make the entire presentation look questionable, or worse, turn a profit into a loss.

Part II, The Statement Of Cashflows will be published next week.  

 

 

How VCs Analyze Financials: Part III, The Balance Sheet 

If you have historical financial statements, your would-be venture capital investor will take high interest in them.  VCs typically look at financial statements differently than other investors, and certainly differently than a lender would.

This three part series will look at the primary elements: the income statement, statement of cashflows and the balance sheet.  This is Part III, the balance sheet.  (If your company is very early or seed stage, read on regardless for insights on how to construct your financial statements once expansion materializes.)

Following scrutiny of the income statement (see Part 2), most investors will look over the balance sheet.  Unlike a banker, an equity investor is much less concerned with the presence of assets to liquidate if there are problems. Whatever hard assets there may be, are likely pledged to somebody else anyway.

Most investors will zero in on the intangible assets. Whereas these don’t mean boo to a lender, they speak volumes to an equity investor, especially for a technology-oriented company. For instance, if a company is capitalizing research and development (that is, treating expenditures for R&D as if they bought an asset), that’s good because it shows a significant commitment to product development and improvement, which hopefully will fuel future sales. By the same token if a company is too aggressive in their allocation of R&D expenditures to asset rather than expense accounts, it could be a negative. A more conservative look at intangible assets might cause a reclassification of R&D expenditures as expenses, and in the process deliver a big hit to earnings, and a hit to earnings could cause the next round of financing to be done at a lower valuation, which reverberates all the way back to the VC’s limited partners.

Next, for companies that sell physical products, most investors will look at the inventory to see if it’s in or out of kilter with revenues. If the inventory account is high relative to the revenues, or has been creeping up over time, it can give pause.  Maybe the company is gearing up for a big sale or maybe the company has poor management controls and is not responding to changes in it sales cycle.

Regarding accounts receivable, if there are any, many investors will take an interest in the revenue recognition policies — that is when during the sales cycle the firm actually books its revenues. In general they’re trying to see just how firm the revenues are the company is reporting.  Growing businesses sometimes push sales out the door and book them right away, a policy that can be crippling with complex products or services that may take months to deliver to the satisfaction of the customer.  Technology driven receivables can be particularly volatile because the product or service is new, and customers may not fully appreciate the value they are receiving, or thought they were receiving.

Going over to the liabilities, accounts payable can cause problems. Sometimes a $1 million investment will get whittled down to half than amount after the creditors stake their claim. It’s not unheard of for investors to get on the phone to the creditors to see if they will hang in there a little longer.

Moving down the liabilities, if there’s any term loans, the investor’s comfort with them will vary directly with the length of the term. If its 2 years, that could be a problem. If it’s seven, that’s much better.

Further down in the liabilities section, there are often accrued salaries or ‘Notes Due Founders.’ These can spell trouble for the entrepreneur who is not flexible. Bankers simply subordinate these to their own debts and forget about them.  But equity investors get a little prickly on this topic.  Basically, they don’t want to pay off founder’s loans.  What founders and owners call loans, VCs typically call sweat equity.

Next, the investor will look at the equity section of the balance sheet. First they want to see if it’s negative or positive. Remember, at the end of each year, the net income or net loss gets posted to the equity section of the balance sheet. So if the company has been stringing together a series of losses, the equity will be pretty thin. If the equity account is negative, the company is technically insolvent. At the very least, it’s running on fumes.

Finally, the investor will take a good long look at the notes to the financial statements. In fact, notes are so important, that some investors read them first. Notes to financial statements are one more reason that CPA-prepared financial statements are essential. Internally generated financial statements rarely have them, which has the net effect handicapping the investor, who may simply walk until notes become available.

How VCs Analyze Financials: Part II, Statement of Cashflows

If you have historical financial statements, your would-be venture capital investor will take high interest in them. VCs typically look at financial statements differently than other investors, and certainly differently than a lender would.

This three part series will look at the three primary elements: income statement, balance sheet and statement of cashflows. Part one, the income statement can be found here.  This is part two, Statement Of Cashflows

Following scrutiny of the income statement (see Part 1), most investors will settle down with the cashflow statement. Overall, they want to see how capital intensive the business is, i.e. how many dollars have to be put into the business before one pops out.

It’s not that a capital intensive business is necessarily bad, but rather if a business needs lots of money, the equity investor needs to know it, because he or she is the person everyone is going to turn as the business starts to experience growing pains.

For example, when analyzing the cashflow statements for capital intensity, many investors will look for seasonality. Why? Seasonality eats cash because a business carries inventory that it cannot sell, or maintains staff levels that are not optimized.

Another harbinger of capital intensity is lengthy collection periods. If these are combined with overall increases in the volume of receivables, it means that the company is really getting squeezed. In fact, it’s possible for a growth company to be highly profitable, but cashflow negative every month.

While receivables financing from banks would appear to alleviate some of the capital intensity, that’s not always the case. New products, especially those which are technical in nature, there is uncertainty regarding their reliability, and as a result, market acceptance. In addition, services always make for funny receivables because there is no exchange of a physical product — nothing the seller can take back if the buyer fails to pay.

Because of these characteristics, service and growing technology companies often find receivables financing from banks difficult to come. Often times, it’s the equity investor that has to fork over an extra layer of capital so that the operation can catch its breath, hence the focus on capital intensity.

 

Use Your Perch To Get Media Exposure 

All businesses occupy a perch. By that, I mean the manner in which their business operates throws off data that sheds light on their industry, competitors, suppliers or customers. Here’s some examples:

• The number of times men click the profiles of fair-haired women on match.com answers the question whether or not gentleman do prefer blonds. Similarly knowing how beards fare in the romantic ecosystem might offer a clue about how long the current trend in facial hair is going to last. read more

Generals Don’t Inspect The Bullets

As the content arms race rolls on, I’m beginning suspect that some CMOs are getting off track in their approach to content marketing.

Too much oversight.  Too much strategy. Too much handwringing.

In my experience, the primary value of content marketing is catching a prospect at the moment they happen to be searching for the product or service your enterprise offers.  And in search, one of the primary variables driving rank is freshness.

Catching a prospect mid-search means, for better or worse, content distributed across social media platforms is nothing more than a rifle shot.   The only consideration after it’s been fired, beyond a brief evaluation of its effectiveness, is loading up the chamber and firing another. read more

What Might Happen in 2016

Twitter will be acquired.  Wall Street loves a good story, but it hates losses.  With half a billion in losses in 2014, and the company on track to lose more this year than last, somebody is going to pull the plug.   Parenthetical prediction:  Twitter CEO Jack Dorsey will not survive the year and focus on Square, also losing money.

FANG stocks will accelerateFacebook, Amazon, Netflix, Google will continue to eat other industries with the possible exception of Netflix, where competition is coming out of the woodwork. read more

From Unicorn To Unicorpse In 12 Painful Steps

My client was a unicorn way back in 2008, before the present day meaning of the word was repurposed to mean private companies valued at more than $1 billion.  Last time I checked, the company was worth about $10 million, a stunning loss of 99% of the company’s value.  Here’s how the company’s 12 step ascent and descent went:  

  1. Invent a new financial product.
  2. Validate the concept by putting personal capital at risk.
  3. Fearlessly try new ways to sell the product and show-up every day willing to reinvent the company.
  4. When when the right marketing mix that is found, make a huge, eight figure bet on it.
  5. When profits are accelerating, bring in private equity investors as majority shareholders to “scale” the business further.
  6. Begin by augmenting the founding entrepreneurial management team with professional managers.
  7. Let the professional managers refine the company’s processes and practices such that they are “customary and reasonable” to reduce/eliminate any liability claims from future shareholders or stakeholders.
  8. Use the stable earnings of the company to take on nearly a billion in debt and use the bulk of the proceeds to pay dividends to private equity investors and founders.
  9. Watch the founders get neutered then ousted by the private equity investor.
  10. Watch the private equity firm use its close ties to Wall Street to get a bulge bracket investment bank to take the company public.
  11. Months after the initial public offering, read a press release announcing a new strategic direction for the company.
  12. Watch the stock go into free fall as earnings swing from positive to negative under a massive debt load and management distraction.

The inflection point began at step seven in my view.  Perhaps this was nobody’s fault per se.  How could the company orchestrate a liquidity event with entrepreneurial skeletons in the closet?  For all the other unicorns out there, maybe this offers a cautionary tale. Step eight? Perhaps some restraint.  Step 11?  The most egregious in my view. Investment banks and private equity investors are all about the forecast, but in this case failed to see or acknowledge an oncoming train? read more

A Christmas Story

Just a few weeks before Christmas, I was a volunteer at a holiday party for underprivileged children.  Underprivileged isn’t my word.  To get to the party they had to be identified as ‘at risk’ by their teachers.

I was helping my friend Carol who had been a volunteer at the event for several years and ran the ornament booth. Groups of kids, organized by their elementary school, descended upon our ornament station along their merry journey to all the booths, each one created exclusively for their delight. read more

The Spouting Whale Gets Harpooned

With his high profile arrest and perp walk this morning, Martin Shkreli has a massive public relations problem on his hands.  As the photo demonstrates, the full force of the law is lined up against him.

Mr. Shkreli is the hedge fund manager turned pharmaceutical entrepreneur who provoked outrage when his Turing Pharmaceuticals increased the price of cancer and AIDS drug Daraprim by 5000%

I would offer his current problem with the media has its roots in a poor public relations strategy right out of the gate.   Sometimes blunting exposure is more important than gaining exposure.  Better to lay low and gauge sentiment than arrive on the scene with guns blazing.  His 5000% price increase might have ultimately faded from view if he stayed out of the spotlight.  And what he learned from the reaction of a smaller more manageable audience might have given him clues how to manage a larger national audience. read more

50 Questions Your Business Plan Should Answer

Sadly, most investors don’t read business plans.  However, writing one is the only way you will be able to answer the following 50 questions you will be asked before investors show up to the closing table.

1. What is the price of your product or service and why?

2. How much capital is required to execute your business plan?

3. How much is the company is worth?

4. What are your company’s existing products/services?

5. What are the use of the proceeds?

6. On a summary basis, what is the historical financial performance of the company (even if, and perhaps particularly if, you have no revenues)? read more

APPL In, T Out & The Remains of the Day

In March of this year, Apple Inc. was added to the elite, 30-member Dow Jones Industrial Index, and AT&T was unceremoniously removed.

In their press release, S&P Dow Jones Indices, said “The timing of Apple’s addition to the DJIA hinged on two stock splits: Apple’s 7:1 last June and Visa’s 4:1 on March 19th this year.”

Because the Dow is a price weighted index, the March 2015 Visa split underweighted the information technology sector, while Apple’s earlier split will enabled it to join the Dow index without a disproportionate effect. read more

Pfizer: Representation Without Taxation

Inversion sure is the right word for the Allergan/Pfizer deal.  Because what got the colonists lathered up enough to fight a war against the one global super power at the time was taxation without representation.

Somehow that idea got turned on its head, and now one of the largest drug companies in America wants the representation the United States has to offer without the commensurate taxation (all this, mind you, from a voter registered as Republican).

From a shareholder perspective, it’s easy to connect the dots.  Lower taxes means higher earnings, and higher earnings means a higher stock price, and presto, shareholder value has been increased.  What else would anyone expect the senior leadership and board to do? read more

Global Terror’s Other Victim: World Economies

Written for Woodbridge Settlement Funding, LLC following the 11/13/15 following ISIS attacks in Paris.

Where The Rubber Hits The Road: Investor Presentations

Among investors, there’s a premium placed on the selling and presentation skills of the founder or CEO. Investors in private companies know their payday will only occur if the CEO or founder can sell the company or take it public. Investors in public companies want to know the CEO can continuously attract new investors that will offer them the liquidity they need to get out.

This is why you hear investors say things like: “I’d rather invest in a really good company where the founder/CEO ‘gets it’ than a great company run by a physicist.” And so, it this one regard, style actually does finally win one over substance. read more

American Funds: Call Me

Like a lot of people in my business, I have Bloomberg TV and CNBC on all day in my office. I like the ads almost as much as I like the stories.

The ads interest me because I can see, or think I can see, the marketing strategy behind it.

At the moment, American Funds, a prolific advertiser, is running and ad that makes my Spidey sense tingle.

The tingling comes from the voice over which says something like this proven, unique approach has resulted in a superior long term track record.

Could it? My experience on the marketing end of financial services is that even facts which are true can’t be said for fear of blowback. And here’s a fact American Funds is broadcasting to the world that would be very difficult to be true in absolute terms. read more

Investor Relations and Public Relations: Uneasy Bedfellows

The words investor and public relations roll off the tongue with such ease that it seems yet another confirmation the disciplines share a cozy symbiosis.

They don’t.

The notion that increased media exposure leads to increased investment rings false for issuers primarily focused on gaining institutional investors.

The reason for this is simple.  For equities, buy (and sell) decisions are primarily driven by earnings and earnings growth.  And with instantaneous access to new and consistently issued financial information every 90 days, spotting a meaningful, or at the very least an interesting change in earnings or earnings growth is easy.  In some cases, it’s just a matter of managing alerts. read more

Your Investor Relations Media Plan Made Easy

If you are a public company and trying to decide what media you should be focusing on, then the answer is actually very simple: Dow Jones, Reuters and Bloomberg.

That’s it.

Other earned media exposure, wherever, is not useless in support of an investor relations program, but it represents a very inefficient way to make progress.

This simple strategy, on the other hand, owes its existence to the denominator problem, which is this: the amount of time investors have to consume messages is fixed while the amount of information, and now content, competing for their attention i.e. the denominator — is growing exponentially.

Numerically, it’s not a happy quotient.

Therefore, to grab the attention of investors, it’s best to focus on media outlets that are integrated, literally wired, into their workflow. Dow Jones, Reuters, and Bloomberg all have trading and portfolio management news solutions, and they sell them aggressively all over the world.

By focusing on these three media outlets only, you can deliver exposure to your prospects through a medium that he or she stares at for eight to 10 hours a day.

Hey, who doesn’t love a broadcast interview? But if you don’t have the time (and really, you shouldn’t), the best, most comprehensive alternative strategy is, thankfully a straightforward one.

Read more: http://www.nasdaq.com/article/your-investor-relations-media-plan-made-easy-cm538874#ixzz3qiL3Ez39

Your Investor Relations Media Plan Made Easy

If you are a public company and trying to decide what media you should be focusing on, then the answer is actually very simple: Dow Jones, Reuters and Bloomberg.

That’s it.

Other earned media exposure, wherever, is not useless in support of an investor relations program, but it represents a very inefficient way to make progress.

This simple strategy, on the other hand, owes its existence to the denominator problem, which is this: the amount of time investors have to consume messages is fixed while the amount of information, and now content, competing for their attention i.e. the denominator — is growing exponentially.

Numerically, it’s not a happy quotient.

Therefore, to grab the attention of investors, it’s best to focus on media outlets that are integrated, literally wired, into their workflow. Dow Jones, Reuters, and Bloomberg all have trading and portfolio management news solutions, and they sell them aggressively all over the world.

By focusing on these three media outlets only, you can deliver exposure to your prospects through a medium that he or she stares at for eight to 10 hours a day.

Hey, who doesn’t love a broadcast interview? But if you don’t have the time (and really, you shouldn’t), the best, most comprehensive alternative strategy is, thankfully a straightforward one.

Read more: http://www.nasdaq.com/article/your-investor-relations-media-plan-made-easy-cm538874#ixzz3qiGwCtyG

CEOs Who Made Me Scratch My Head

In October, two CEOs made me scratch my head.  One in a questioning fashion, the other in an admiring fashion.

I admired Frank Bisignano CEO of First Data Corporation (FDC) for striding onto CNBC’s stage perched atop the New York Stock Exchange moments after his company went public.

OMG, every lawyer in the deal was probably having a coronary.

Silence and not conditioning the market after a public offering is a sacrosanct principal of securities law. At least, that’s how it’s been explained to me by legions of counsel over the years.  There is a fear that talking about any subject outside of what the prospectus says might be deemed as conditioning the market.  Then there’s a fear that the simple act of communicating, even if it’s what’s said is in the prospectus, might be deemed as conditioning the market. read more

What Is The Value of Media Exposure? Millions

Almost every prospective client I’ve talked to over the last 30 years has asked, ‘What is the value of media exposure?’ My answer: Millions. Few prospects take my answer seriously even though they should.

However, the current U.S. presidential race offers an unusual degree of insight into the value of media exposure. Here’s the nib of it: Donald Trump has spent just 12.53% of what Hillary Clinton spent for the period 7/1/15 to 9/30/15. Despite this he’s in the thick of the race and is leading the Republican pack. read more

What Wealth Advisors Should Say To Clients Now

With a dip of more than 11% in the S&P 500 since July 20 and continued volatility, what can advisors say to jittery clients?

For long term investors, nothing applies a calming salve better than a discussion about dividends.

Remember, during almost any 10-year period, approximately 40% of the total return from the SPY came from dividends.

Given this, a swoon in asset prices is concerning, but if dividends remain viable, there’s much, much less for investors to fret over. In fact, there are significant profits to be earned from dividends in a correction. read more

Bezos: Call Me

Were it I was head of media relations at amazon.com when the New York Times revealed some less than civilized employment practices there.

Finally a media relations challenge that, in my view, will fill the pages of communications and crisis management text books for generations to come.

Unknown at this point: Will these case studies portray Amazon’s response as exactly what companies should do in crisis or exactly what they shouldn’t do?

Taking the temperature of this situation at this moment in time, I’d say Amazon has stumbled out of the gate. read more

What does Jack Dorsey see?

At this point, I’m not sure.

Not to say that Mr. Dorsey will not earn his place in the pantheon of Silicon Valley legends.  He will.

What I’m less sure about is his understanding of the capital markets.   So after taking Twitter public, is he going to take mobile payments company Square, public too?

My read of Twitter’s income statement and balance sheet indicates they have not used the proceeds from their $1.8 billion IPO efficiently (or even completely).  Research and development expenses went from $594 mm in 2013 to $691 mm in 2014.  Marketing expenses went from $316 mm to $614 mm.   Even though Twitter posted a $577 mm loss in 2014, on a cash basis, its operating activities threw off $81 mm in cash. read more

FANG Today, Toothless Tomorrow?

FANG stands for Facebook, Amazon, Netflix and Google.

The term, emblazoned on the front page of yesterday’s edition of USA TODAY, was popularized by CNBC’s Jim Cramer.

Some think the FANG clan is unstoppable, and looking at the trajectory of technology and commerce at this moment, it’s hard to see the dominance of these companies ever waning.

But many may remember the portmanteau Wintel as well, which referred to the total dominance maintained by Windows (as a proxy for Microsoft) and Intel.

Wintel had meaning inside the tech industry, but in the early 1990s among investors it represented the duopoly that was a ‘must have’ in any growth oriented portfolio. read more

The Media is Not Biased

The most popular past time among people who care about the news and media is discussing how biased it is.

It’s not. Here’s why:

  • Almost all media in North America publishes on a for-profit basis.
  • Profitability requires providing audiences with what they want.
  • All editorial agendas are driven by satisfying the needs of the reader.
  • Looking at the media is like looking in a mirror. It serves up to you its best estimate of exactly what you want.
  • Metadata from digital publishing gives publishers ever better data upon which to base their editorial decisions.
  • People who say the New York Times is biased, are poor readers. Journalism 101 requires presenting the other side of the story, which the paper scrupulously adheres to.
  • Many who complain about the bias of the media have never worked in the media.

Another unappreciated facet of perceived media bias is that few journalists have the time for it. The chart shows on an inflation adjust basis, newspaper advertising revenue has retreated to 1950 levels.

To put this into perspective, consider when Google filed for an IPO on August 3, 2004, its total revenues were $2.6 billion on an annualized basis. In their 2014 annual filing, Google showed expenses of $49.5 billion. As a result, if Google’s revenues retreated to 2004 levels, they would report a loss a $46.9 billion. read more

Greece and Puerto Rico Won’t Kill the Bull Market

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Investors Should Focus More on Earnings, Less on Economic Data, in Second Quarter

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

How and Where to Invest to Outmaneuver the Risks of Falling Inflation

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Cyberark: When It Comes to Cyber-Security, Beware of Apps and Updates

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Investing in the Next Apple: 4 Boring but Innovative Companies to Buy Now

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Apple: Is the World’s Most Valuable Company Actually Undervalued?

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

How to Pick Stocks in the Wake of the Republican Election Victory

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Six Reasons to Stick With Pimco Despite Bill Gross’ Departure

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Toyota, Honda, Verizon Are 3 Underperformers Ready To Shine

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

4 Overlooked International Stocks That Could Outdo U.S. Counterparts

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Sequestration Watch: Boeing and Lockheed

This article was written with Steve Cordasco, of Cordasco Financial Network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

What Investors Can Expect In 2014

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Wages and Business: Simple Yet Complicated

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Beyond Bonds: Buyer Beware

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

The Next Bubble: MLPs

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

How to Invest During the ‘Obamacare’ Transition

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

As Market Volatility Picks Up, Sell Puts

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Forget China, Africa Is Next Growth Wave

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

What Japan May Tell Us About Our Own Markets

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Get Paid to Insure Your Portfolio

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Inflection Point for Small-Cap Stocks

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Ordinary Events, Extraordinary Returns

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

An ETF Providing Food for Thought

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Warren Buffett’s Stock Buffet

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Eight Stocks to Bet On

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

What Apple Can Do to Spark Its Shares

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Mixed Data Means Christmas Rally, Not Fed Taper

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Apple, Boeing, Merck, and More: Top Stocks for the Fourth Quarter

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Five Reasons That 2014 Could Be Another Great Year for Stocks

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Fed Tapering? Not So Fast

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

S&P 1800? It Could Happen as Early as February

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

How We Know the Federal Reserve Is in Control

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Are You Following the Herd’s Run to Large-Cap Stocks?

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Two Popular Sales Pitches Investors Should Walk Away From

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

5 Economic Lessons for the US From Europe’s Smallest Principality

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

What’s Really Going on With Bonds? LIBOR Rates Have the Answer

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

New ETFs and a Highly Successful Bank: How Investors Can Profit From China’s Growth

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Is Japan the Canary in the Coal Mine?

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

As Markets Soar Into Unknown Territory, Collar Profits With the S&P 500

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Small Is Beautiful: Now’s the Time for Growth-Oriented Investors to Move Into Small-Cap Stocks

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

8 Dividend-Paying Stocks for Our Longer Lives

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Jamming on PBJ: The Exchange Traded Fund That’s Been on a Tear

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

‘Pass the Ketchup!’: Why Food Stocks Should Not Be Overlooked

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Why Investors Can Only Benefit From Share Buybacks Through Large-Cap Companies

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Here Come the Bears! 5 Reasons Not to Fear a Stock Market Reversal

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Earnings Season on Deck: Where to Put Your Money Now

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Amid the Storm, an ETF for Income, and Maybe Some Growth

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

As Market Correction Looms, Investors Face Three Choices

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Three Bond Alternatives To Fight Rising Interest Rates And Inflation

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

The Investment Opportunity Of A Lifetime? European Banks

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

ObamaCare And The Shutdown: Keep Calm And Invest On

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Prediction: Market Super-Cycle Ahead

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Don’t Follow The Herd, Go For Small Caps

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Obamacare Not Universally Toxic For Stocks

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Getting In On China’s ‘A’ Game

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

No Way You Want To Sell In May

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

8 Sweetheart CEOs: More Cash for Shareholders, But…

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Is the Stock Market Passing You By?

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

The Long Weekend

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

The Untouchable Dividend Payers

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

18 Uber Dividend Aristocrats For Income Seekers

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Finally, An Answer To The Active Versus Passive Strategy Debate

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Will Germany Shatter Europe Again?

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Eight Techs To Cash In On

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Eight Stocks To Start The Year With

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Post-Election Sell-Off Will Hit Financial, Tech Sectors; Expect 1.5% Yield on 10-Y T-Bill

This article was written with Oliver Pursche, of Gary Goldberg Financial Service. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

As Housing Market Improves, Forget Homebuilders and Watch Home Improvement Sector Instead

This article was written with Oliver Pursche, of Gary Goldberg Financial Service. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Not All Dividend Stocks Are Equal: Here’s How to Choose the Winners

This article was written with Oliver Pursche, of Gary Goldberg Financial Service. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Apple Stock Is a Screaming Buy for 2013

This article was written with Oliver Pursche, of Gary Goldberg Financial Service. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Despite Talk of Bond Bubble, There’s Opportunity in Mispriced Munis

This article was written with Oliver Pursche, of Gary Goldberg Financial Service. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

5 Steps to Get Positioned for an Interest Rate Turnaround

This article was written with Oliver Pursche, of Gary Goldberg Financial Service. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

8 Bulletproof Tech Stocks (and One Fund) for Your Portfolio

This article was written with Oliver Pursche, of Gary Goldberg Financial Service. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Why Immigration Reform Should Be Front and Center of Entitlement Spending Talks

This article was written with Oliver Pursche, of Gary Goldberg Financial Service. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Markets: Be Ready for Oedipus Negative in January

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Ending High Cost Investing

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Shelter Your Portfolio In Consumer Staples With Food, Clothing And Stellar Returns

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Put Emotions Aside And Buy Apple, Here’s Why

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Pamplona On Tap: Large-Caps Ready To Run

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Lesson Learned: Some 529 Plan Guarantees Are Better Than Others

This article was written with Steve Cordasco, of Cordasco Financial Network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Is Warren Buffett Being Honest With Us?

This article was written with Steve Cordasco, of Cordasco Financial Network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Investing Amid Quantitative Easing

This article was written with Steve Cordasco, of Cordasco Financial Network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Sweet 1600

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Pursche: Apple $800? What Was I Thinking?

This article was written with Oliver Pursche, the Co-Portfolio Manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Why Investors Should Expect S&P 1600 by the End of 2013

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

The Upside of Apple

This article was written with Oliver Pursche, co-portfolio manager of the GMG Defensive Beta Fund. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Apple Reaches The Outer Limits

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Less-Volatile Stocks for a Volatile World

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

2013: You Don’t Need a Weatherman

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Taxes Coming? Take a Deep Breath and Do Nothing for Now

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Bailout For Spain, Spike In Oil Prices And Other Predictions For 2013

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

What Investors Can Expect In 2013

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

The Comeback Kids: Apple And Facebook

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Five Stocks With Expected Double-Digit Revenue Growth

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Silencing Jack Bogle

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

5 Steps to Cushion a Bond Market Selloff

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Then: Buy Nifty 50; Today: Buy Tech

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Sunshine in the Clouds

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Fiscal Cliff Be Damned: A Card-Carrying Bull for 2013

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Mispricing Evident in Three Stocks’ Dividends

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Greek Tragedy Calls for Gold, Silver

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Will Facebook Be One of the Worst Investments Ever?

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

The ‘Dismal Science’ Gets Riveting

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Life After the Greek Elections

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

This Chaotic Time Could Be Right for Some Financial Stocks

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Hope For a Rally Is (Slightly) Restored

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Glimmers of Optimism

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

5 Common Mistakes When Buying a Variable Annuity

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Third Quarter’s Ménage à Trois Can Excite Investors, Too

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Canada’s Dial Tone

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

The Question That Comes up Every May

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Take the Money and Run

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Take the Money and Run, Part 2

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

QE3 Is Bad for Investors, Confusing for Traders

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Follow Your Gut, and Dow Theory

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Get in the (Investing) Game

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Stocks for the Current Outlook

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Doubling Your Income The Easy Way

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Tracking Sandy Recovery

This article was written on behalf of Motif Investing. It's part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Running Out of Gas

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Be Greedy When Others Are Fearful…

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Why Ultimately, America Always Wins

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

An Index by Any Other Name…

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Apple Goes Ex-Dividend: Three Events That Will Drive Apple Shares Past $800

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

McDonald’s: Still a Happy Meal for Investors

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Insulation Strategy: Buy American

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Take Another Bite At The Apple: Shares Should Reach $800

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Buy Stocks That Pay, And Can Keep Paying

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

How To Find Clarity Among Mixed Economic Results

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Don’t Stick With Apple Stock Just Because You Like Its Products

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Why You Should Buy Bonds, Especially If Obama Wins

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

An Easy Strategy For Bulking Up On Yield

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

How To Play Apple’s iPhone 5 Release With Options

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Better Investment Results Often Come When You Don’t Mess With What’s Working

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

A Social Light Can Protect Investors

This article was written on behalf of Motif Investing. It's part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Real World Politics Meets Real World Investing

This article was written on behalf of Motif Investing. It's part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Stocks For The Retail Wars This Holiday Season

This article was written on behalf of Motif Investing. It's part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Post-Election Sell-Off Will Hit Financial, Tech Sectors; Expect 1.5% Yield on 10-Y T-Bill

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Housing: Remain Cautious

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Which Companies Are Generating Profits From Cloud Computing?

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

The Inner Child of Hedge Funds

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

What Investment Motifs Tell Us About the Election

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Bad News Bulls: Investors Should Begin Paring Back Risk

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Apple: Headed to $800 Per Share

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Praying We Don’t Get Fooled Again

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

He’s Baaaaack . . .

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Tax Fairness and the Small Business Owner

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Sometimes There’s Nothing Wrong With Staying on the Market Sidelines

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Taking the (Investing) Road Less Traveled

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

The Neo-Classical Retirement Portfolio

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Volatility is the Real Price of Income

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Unavoidable: Death, Taxes; Avoidable: Actively Managed ETFs

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Olympic Mettle

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Hedging Obamacare, Either Way

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Treasuries: Trade The Inflection Point

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

‘Tis The Season: A Survivor’s Guide To Earnings

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Low Volatility Funds May Not Be As Low Risk As You Think

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Is Now The Time To Invest In Financials?

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Seven Stock Screens For Success

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Executive Pay Comes Home To Roost

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Hedge Greece, Buy Gold

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Tech Stocks To Avoid

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Nine Stocks With No European Exposure

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Forget Spain And Greece, Signs Of German Weakening Spell Trouble For Europe

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Five Events That Could Cause A Market Rally

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

2012 Stock Market Predictions Revisited

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Three Canadian Telecom Stocks With Juicy Yields

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

These Four Defense Stocks Offer A Good Offense For Your Portfolio

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Can Facebook Learn From Microsoft, Kodak Mistakes?

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Short These Three Large Caps That Lack Innovation

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

How to Get a Piece of Facebook Before the IPO

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Once Again, Cash Is King

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Buffett Got It Right This Time

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Motif Investing: Can It Save Your Retirement?

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

You Can’t Always Get What You Want…

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Retire With Income: Boomers Need a Lesson From Dr. Seuss

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Fixing Fixed Income

This article was written with Steve Cordasco, of Cordasco financial network. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

QCOM: No Supply Issues in 2013

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Telecom Preview (S,AKAM,EQIX,CCI)

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Media Preview (CMCSA, DISH, VMED)

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

AAPL Target Price Increases

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

SBAC Earnings Preview

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Buys in Diabetes and Wound Care

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Samsung, Apple, Quite Literally, the 99%

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

The Pause That Refreshes

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

TEVA’s Q1 Effect on Specialty Pharma

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Top, Bottom Energy Picks post-Q1

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

CRM: What To Watch For on Thursday

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

NKE Sales, Multiple to Compress, Analyst Says

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Zillow Fears Irrelevant

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Telecom: Favor the Towers (AMT, CCI, SBAC)

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Pandora: Worst Fears Brushed Aside

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

College Financial Aid Is Killing Us — Today’s Outrage

This article was written with Chris Markowski, the Watchdog on Wall Street. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

America, We Have a Problem

This article was written with Chris Markowski, the Watchdog on Wall Street. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Man Up, Politicos, and Pay Your Campaign Debt

This article was written with Chris Markowski, the Watchdog on Wall Street. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

So Good, You Should Be Nervous

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Emerging Markets on a Roll

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Want to Beat the Street? Look for Innovation

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

The Cure for Apple in Your Portfolio

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Networking, Storage Flourish Amid New Tech Spending

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Straddle the Apple

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

7 Most Important Criteria for Picking Stocks

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Rising Dividends Beat Stock Buybacks

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Don’t Give Up on McDonald’s, Think Longer Term

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Trouble May Be Looming, Get These All-Weather Stocks Now

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Five Stocks Every Long-Term Investor Should Own

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Profiting From The Pain: Buy These Oil Stocks To Avoid Getting Sucked Dry

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

We Are All Greeks

This article was written with Chris Markowski, the Watchdog on Wall Street. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Government’s Latest Shakedown: $25 Billion — Today’s Outrage

This article was written with Chris Markowski, the Watchdog on Wall Street. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Oil Speculators Cash In on Washington’s Lapse

This article was written with Chris Markowski, the Watchdog on Wall Street. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

‘Fair Taxes’ Actually Are Unfair to All — Today’s Outrage

This article was written with Chris Markowski, the Watchdog on Wall Street. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

U.S. Corporate Taxes Need to Go to Zero

This article was written with Chris Markowski, the Watchdog on Wall Street. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Why We Should Kill the SEC

This article was written with Chris Markowski, the Watchdog on Wall Street. It's part of a series of articles developed under an agreement with thestreet.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Taiwanese OEMs Foreshadow PC, Smartphone Growth

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

2012 Smartphone Predictions

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Dick’s Sporting Goods: Gross Margin Expansion Likely

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Apple Takes All Industry Profits (Almost)

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Should Apple Pay A Dividend?

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Tech Spending Is Up: Skip Dell, HPQ, Buy These Stocks Instead

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Forget Share Buybacks, It’s About The Dividend

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

First Drips Of Liquidity Felt In Non-Traded REITs

This article was written with Nick Schorsch, CEO of American Realty Capital. It's part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

The Other Side Of Liquidity

This article was written with Nick Schorsch, CEO of American Realty Capital. It's part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Dogs That Make Your Tail Wag: Why Investors Should Use the Dogs of the Dow Strategy

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

11 High-Quality Dividend-Paying Stocks to Consider Ahead of First Quarter

This article was written with Oliver Pursche, of Gary Goldberg financial network. It was part of a series of articles developed under an agreement with minyanville.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week.

Go Long On New York City

This article was written with William Kahane, President of American Realty Capital. It's part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Broken Promises Haunt Investors Throughout The Year

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Recovery Favors Commodities And Infrastructure-Linked Stocks

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Six Top Picks In Key Sectors For Earnings Season

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

For Better Returns Buy These Boring But Innovative Companies

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Beware Of These 12 Dividend Stock Traps

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

QCOM Catalyst: Mobile World Congress

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Broadcom a BUY

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Marvell a BUY

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Amazon.com: For the Patient Only

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Green Mountain Shows Acceleration

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Semis a BUY at Canaccord

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

At AAPL, Harvest May Be At Hand

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

NUVA Upgraded to BUY

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

RIMM: Management Changes, Competition Doesn’t

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Google Issues Will Pass, Analyst Says

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Warmer Weather’s Large Effect on Apparel Companies

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Specialty Pharma: 5 Themes for 2012; 4 Best Stock Ideas

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

RIMM: Maintain HOLD After Playbook Demo

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

ROVI: New CEO, But Little Else Should Change

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Medicis Pharmaceutical Downgraded to HOLD

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Impax Laboratories Upgraded to BUY

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Apple Smartphone Sales Surge During Holidays

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Apple: iPad Maintains Dominance Over Holiday Season

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

CES 2012: Smartphones Should Overshadow Tablets

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Numbers Behind OLED Projections Dimming

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Earnings On Tap: Where The Surprises Are

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Emerging Markets For The Timid

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

A Pullback Is Coming But Here Are 8 Reasons To Stay In The Market

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Brazil Booms, Recession Averted, More Shoes To Drop And Other Bold Predictions For 2012

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Oracle Downgraded to HOLD

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

6 Tech Stocks To Avoid in 2012

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

LinkedIn: Growth and Fundamentals Trump Valuation

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Zillow: If You Can Win In This Real Estate Market…

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Top Tech Picks for 2012

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Google: Exposure to Durable Tech Trends

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

IACI: Steady Growth and Reasonable Value

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Obama In, Greece Exits Stage Left, And Other Market Predictions For 2012

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

GMCR: Starbucks Timetable Could Lift Brewer Sales

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Salesforce.com Separating From Pack

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Haliburton Pricing Reflects Recession Likelihood, Analyst Says

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Dendreon a BUY Amid Restructuring

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

QUALCOMM Still a BUY, Analyst Says

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Under Armour Defends Its Turf

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

RIMM: Not In Motion

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

“We Are Buyers” of AMD and NVDA

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Nike: Running In Place?

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Green Mountain Coffee Forecast: Not Decaf

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Recessionary Fears Hit Oilfield Service Companies

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

CPX Looks Cheap, Analyst Says

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

QCOM Ramps on 3G Growth in China

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

No Lockout at Footlocker

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Apple iPhone Gets a New Core

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

M&A Looms on the Med-Tech Horizon, Analyst Says

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Real Estate Headwinds hit Jones Lang Estimates

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Haliburton: Sell-off Overdone

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Apple Sows Seeds for Holiday Quarter

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Commodity Prices Lowered at Canaccord

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

GMCR: Still Percolating, Analyst Says

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

RPC Upgraded to BUY

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Teva: Buy, Analyst Says

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Apple Take Half; Nokia Relegated

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

GMCR Shows Strong Sell-Through Data

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Universal Display: Three Points Keep Us Neutral

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

CRM: “We Would Be Buyers on Weakness”

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

RIMM Target Lowered 25%

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

GILD Deal Validates VRUS Platform

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Green Mountain Coffee Sales Ramping Up With Holiday

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

Netflix a Sell

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

INTC: Inventory Correction Ahead

This article was placed on behalf of the U.S. based equity research effort of institutional broker and investment bank Canaccord Genuity. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and approximately 100 million page views a month.

An Alternative Way To Play Health Care

This article was written with Nick Schorsch, the CEO of American Realty Capital. It's part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

You Don’t Have to Cross the Border to Buy These 7 Overseas Dividend Stocks

This article was written with Oliver Pursche, the Co-Portfolio Manager of GMG Defense Beta Fund. It was part of a series of articles developed under an agreement with forbes.com to work with a variety of contributors and assist them in delivering actionable investment ideas each week. The site, forbes.com is one of the top 500 sites in the world with nearly 10 million subscribers and nearly 100 million page views a month.

Focusing on Illiquid Financial Assets

Although J.G. Wentworth is best known for its advertising and the purchase of legal settlements, the firm built a robust business purchasing a wide variety of illiquid financial assets. As J.G. Wentworth reached critical new milestones in growth, it revamped the media relations strategy to include corporate as well as product positioning. This release was created and distributed to advance the notion that J.G. Wentworth was a leader in an emerging specialty finance niche which it help create: the illiquid financial assets market.

An Indecent Proposal

Cost sharing arrangements between American Multi National Corporations (MNCs) and their foreign affiliates and subsidiaries, have, for some time provoked the concern of the Internal Revenue Service and the Treasury Deporatment. Were MNCs engaging in complex cross-border transactions for the sole purpose of reducing their overall tax liability? A 2006 Treasury proposal which seeks to stem abuses, though well meaning, may ultimately undermine U.S. competitiveness because the application of the so-called Investor Model to arms-length transactions provides strong incentives for MNCs to conduct their research and development activities off shore.

What Keeps Tax Directors Up at Night

A perfect storm has materialized for tax directors of Fortune 1000 companies. Greater disclosure of segment data as a result of the Sarbanes Oxley Act, increasingly prehensile foreign tax authorities, and growing use of a shared services concept for managing global expenses, has made the allocation of headquarters' expenses fraught with risks, and if managed correctly, opportunities too. I helped author this monograph along with a PriceWaterhouseCoopers international tax partner to generate awareness on strategies and tactics which can be used to manage risks associated with allocation of headquarters' expenses and minimize the corporation's marginal tax rate.

Trust & Estate Planning Basics

As wealth management continues to evolve, greater emphasis is placed on a wider range of related disciplines. I was hired by SEI Investments to help craft a series of plain-spoken, short monographs on discreet topics in estate planning which ranged from medical directives to selecting a guardian for your children.

Secondary Market for Annuities: New Opportunities for Brokers and Their Clients

This article was written on behalf of J.G. Wentworth as a by-lined article. It serves as a primer piece for agents and brokers and was part of a broad market education initiative associated with J.G. Wentworth's launch of their Annuity Purchase Program, which offered investors liquidity for their annuities.

Optimizing Annuity Values in the Secondary Market

As a secondary market takes hold for annuities,new questions arise as to which annuities canbe sold into it. This article explains which annuities investors are most likely to recognize value with and which ones they are not.

Going Upstream With Annuities

This article was written on behalf of J.G. Wentworth as a by-lined article. It serves as a primer piece for so called Brokerage General Agents and was part of a broad market education initiative associated with J.G. Wentworth's launch of their Annuity Purchase Program, which offered investors liquidity for their annuities.

Fair Valuing of Portfolio Securities: Responsibilities of Fund Managers and Directors

The valuation of portfolio securities is the cornerstone of the investment management industry. Securities valuations represent a significant day to day responsibility for fund management and directors. However, market timing scandals, increasingly interlinked capital markets and a broadening of securities held in mutual funds have brought to light new thinking and new rules about the fair valuing of portfolio securities. I worked closely with professionals in Deloitte's financial services and investment management practice to help author this white paper which discusses why fund managers and trustees must now operate within a broader context and apply fair value procedures in a fund's daily operations rather than as a contingency procedure applied when the fund's board and or management believes pricing or other valuation irregularities might be present.

The SEC’s New Compliance Program Rules: Implications and Considerations

Reaction to the wave of late trading and market timing scandals came in the form of the SEC's compliance program for investment managers and advisors. This white paper which I helped author for Deloitte was written for compliance officers, c-level executives and board members of fund companies and provided them with a broad overview of the issues and implications issuing from this new regulatory initiative.

Secondary Market for Annuities: A Primer

The meteoric rise in the sale of annuity products is leveling off. However the liquidity provided by an emerging secondary market for annuities may propel sales further. This article provides insights on the origins and potential of the secondary market for annuities.

How Trust-Preferred Securities Enhance Investor and Issuer Opportunities

This is a chapter in a book I helped boutique investment banker Cohen Bros. & Company create. The Cohen family has a notable heritage in banking and financial services, and with this work they wanted to formalize some of their thinking and observations on banking gleaned over the years.

Bad Policy and Bad Luck: The S&L Crisis From the Rear-View Mirror

This is a chapter in a book I helped boutique investment banker Cohen Bros. & Company create called Present Value: Essays on the Revolution and Evolution in Community Banking. The Cohen family has a notable heritage in banking and financial services, and with this work they wanted to formalize some of their thinking and observations on banking gleaned over the years.

The Evolution of Bank Management

This is a chapter in a book I helped boutique investment banker Cohen Bros. & Company create. The Cohen family has a notable heritage in banking and financial services, and with this work they wanted to formalize some of their thinking and observations on banking gleaned over the years.

What Securitization Has Wrought

This is a chapter in a book I helped boutique investment banker Cohen Bros. & Company create. The Cohen family has a notable heritage in banking and financial services, and with this work they wanted to formalize some of their thinking and observations on banking gleaned over the years.

What Online Banking Really Means

This is a chapter in a book I helped boutique investment banker Cohen Bros. & Company create. The Cohen family has a notable heritage in banking and financial services, and with this work they wanted to formalize some of their thinking and observations on banking gleaned over the years.

Fee Versus Interest Income: Finding the Right Mix

This is a chapter in a book I helped boutique investment banker Cohen Bros. & Company create. The Cohen family has a notable heritage in banking and financial services, and with this work they wanted to formalize some of their thinking and observations on banking gleaned over the years.

From Toasters to Integrated Marketing

This is a chapter in a book I helped boutique investment banker Cohen Bros. & Company create. The Cohen family has a notable heritage in banking and financial services, and with this work they wanted to formalize some of their thinking and observations on banking gleaned over the years.

Why Trust Morphed Into Wealth Management

This is a chapter in a book I helped boutique investment banker Cohen Bros. & Company create. The Cohen family has a notable heritage in banking and financial services, and with this work they wanted to formalize some of their thinking and observations on banking gleaned over the years.

The Triumphs of Banking Regulation

This is a chapter in a book I helped boutique investment banker Cohen Bros. & Company create. The Cohen family has a notable heritage in banking and financial services, and with this work they wanted to formalize some of their thinking and observations on banking gleaned over the years.

Why Invest in Banks and Depositories?

This is a chapter in a book I helped boutique investment banker Cohen Bros. & Company create. The Cohen family has a notable heritage in banking and financial services, and with this work they wanted to formalize some of their thinking and observations on banking gleaned over the years.

Answering Questions on LTC Insurance

You don't have to know everything there is to know about long term care insurance to help investors figure out is this is the right option for them.

To Compete Or Non Compete

You can proctect a financial flanning practice with non compete agreements, or you can work smarter with confidentiality agreements.

Inside the Mind of the Every Other 21st Century Investor

An Eaton Vance survey on individual investos shows uncertainty among investors as to the value that financial planners add.

Investment Policy Statements

If pension funds and trusts are required to use investment policy statements, there's a good chance they can add value to wealth management relationships.

Avoiding The Middle of the Road

Transitioning from a commission to a fee based financial practice carries one likely risk: getting caugght somewhere in the middle, and missing the opportunity to maximize the value of the financial planning practice.

How to Become the Go To Guy

Investors have lots of advisors: bankers, layers, accountants. Why would they turn to you when estate issues arise because of a death in the family? Because you actively positioned yourself as the go to guy.

Entrepreneurship & Wealth Creation Among Bank Investors

This is a chapter in a book I helped boutique investment banker Cohen Bros. & Company create. The Cohen family has a notable heritage in banking and financial services, and with this work they wanted to formalize some of their thinking and observations on banking gleaned over the years.

Trust Preferred Securities Enhance Investor, Issuer Opportunities

Changes in 1996 by the Federal Reserve Bank regarding the definition of so-called Tier 1 capital for banks unlocked new opportunities for depositories as well as investors. While the former tapped a non dilutive source of growth capital, the latter earned a yield premium, and the ability to diversify their financial services risk profile into community and local banks. This material was published first by Merrill Lynch, which was granted first rights to publication in a book about structured finance products, and was later included as a chapter in a book by investment banker Cohen Brothers & Company called Perspectives on Banking.

Hidden Assets

The key to generating real wealth for wealth managers may lie in their client's IRAs. By setting these accounts up properly, and ensuring tax deferral across two generations, millions and millions can be accumulated.

Account Aggregation Software

Is software that lets investors, and their advisors see all of thier accounts, no matter where they might be custodied a good thing or a bad thing. It's probably a good thing for everyone, and may just turn wealth management services on their ear someday.

Goal Setting For Dummies

Don't like all that touchy feeling introspection that goes with goal setting? Try this black box approach.

The Value of Brains

If you are intelligent, this will get you exactly nowhere in financial planning profession.

Choose Your Weapon!

Should financial advisors align themselves with large or small broker/dealers? Read on for an analysis of the issues.

How to Be a Better Speaker

Even if you're not a born orator, you can still improve your skills.

Preparing Loan Requests That Get Funded

Remember, it's your job to make the case for why your loan should get funded, not the loan officer's. The first step is a loan proposal that gets your foot in the door.

Separately Managed Accounts: Be Careful What you Wish For

Separately managed accounts represent a good way for asset managers to increase throughput. But be careful what you wish for. Those assets may come flying in the door, but so do the questions about how well they are being managed.

You’re Invited

The tried and true way to attract new business is the good old investment seminar. It's not sexy. But it works, if you can get the details right.

Highlighting Critical Issues at the Dawning of a New Day

Though the Sarbanes-Oxley Act was made law in 2002, years later directors, chief executives and chief financial officers debate its meaning and its impact on the relationship between boards of directors and the management teams they monitor. In this piece, I worked with PriceWaterhouseCoopers summarizing the views of these constituencies as expressed in a syposioum held in New York City during the spring of 2004.

Other Dimensions of Forensic Accounting

When PriceWaterhouseCoopers published The Auditor's Guide To Forensic Accounting Investigations, it became apparent that the corporate accounting scandals of 2001- 2003 had indelibly linked fraud investigations with foresnic accounting. But the truth is that foresnic accounting goes well beyond fraud detection. As a result, I was hired to help write a chapter titled Other Dimensions of Forensic Accounting. Comprehensive and lengthy, the chapter devled into the role foresnic accountants play in the following areas: construction, environmental, intellectual property, government contracting, insurance and business interruption, marital dissolution, shareholder litigation, business valuation, business combinations and cybercrime

Gifts and Inheritances: Where Death and Taxes Finally Meet

This article explores some of the basic concepts concerning how to determine the basis of assets you inherit or receive as a gift. This is a companion to an earlier article which explored basic tenants of determining cost basis.

Cost Basis: The Foundation of Performance

This monograph is a short primer on on determining the most fundamental of investment concepts -- determining cost basis.

Expert’s Corner – Firing Clients

Is there any way to "fire" a client nicely? Developing skills in pruning clients can be every bit as important as developing the skills to bring them on.

Experts Corner – Accessing and Using Information in the Public Domain

What kind of information is floating around in the public domain, and how can you access it?

Hey You Men, Listen Up . . .

Insight and color on why female financial planners are, by one important measure, much more successful than their male conterparts.

No Man Is An Island

This article describes how so-called study groups -- the aggregation of several financial planning firms into a group that relies upon and networks with each other -- can give a small firm the power of a large one.

Changing Landscape of State Estate Taxes

The rise in the federal limits for estate tax exemption from the 2001 Economic Growth and Tax Relief Reconciliation Act (EGTRRA) have hit many states where it hruts the most: in the pocketbook. Many are fighting back with by "de coupling" with federal es

The Problem with SBA Loans

The SBA's cornerstone program, the so-called 7(a) Loan Guarantee has helped thousands of businesses. But you should think twice before applying. Extracting help from the public sector can extract a real toll on your deal.

An Affinity for Selling

This article was written for financial services sales professionals affiliated with Interbay Funding. It explores some of the basic tenants of affinity selling, why it makes sense and the value it brings to the sales equation.

Feelings Matter

If you are not sure how you feel about the economy, you at least take the temperature of your peers. A group of advisers is becoming the financial world's answer to the Nielsen families resulting in the Advisor Confidence Index.

Drawing The Line On Fees . . . But Where?

Is the popular model for levying fees, a percentage of assets under management, really right for financial advisors? Some fee only advisors are charging extra for certain services, earning fees, and getting recognition for value they add.

Firing Clients

Is there any way to "fire" a client nicely? Developing skills in pruning clients can be every bit as important as developing the skills to bring them on.

Training Places

Training and education technology that has been de riguer in other industries is just now making an appearnce in financial planning. In a regualted business for which one new regulation is promulgated every seven days, access to training can be vital.

Less is More

A survery of more than 5,000 reps from LEL financial services reveasl a curious trend. Increasingly, planners want fewer, not more customers. Why? Because, in the ver popular high net worth space, less is more.

State of Flux

Substantial changes to the federal estate tax laws enacted in 2001 under the Economic Growth and Tax Relief Reconciliation Act (EGTRRA) have upset the delicate balance between state and federal estate tax liabilities. T. Rowe Price asked me to write a short article which described for investors the possible new tax liabilities which they may face as a result of the schism on estate taxes between state and federal authorities.

Inside the E&O Crisis

Inside the E&O Crisis: Errors and omissions coverage has become prohibitively expensive--when it's available. Here's how the situation effects brokers and wealth managers.

Home Base

For financial planners, home office can offer a lot of convenience, but it makes a definite statement.

It’s Not Your Father’s Bonus Anymore

Compensation in financial planning is shifting toward salary plus incentive compensation, with tied to specific objectives. Sound tricky? It is.

How to Fill the Room

If you're thinking about marketing financial planning services with seminars, think about this: there are no magic bullets when it comes to filling the room with prospects.

Assessing the P.I.T.A. Factor

Everyone knows how to get clients, in theory, if not in practice. There are some you just don't want however.

Snapshot in Time: The LPL Advisor’s Survey

When one of the largest indpendent broker/dealer's in the United States, LPL Financial Services, allowed me to survey their 5,100 registered reps, the results provided insights in into the evolution of wealth management.

Exit, Stage Left

As a financial advisor, do you think you'll work till you drop? Or do you think you might actually retire and enjoy the good life someday. If you decide to sell, here's how your practice might be valued.

PR Doesn’t Stand For Press Release

Truthfully, public relations should be thought of as one of the arrows in your promotions quiver along with advertising, personal selling, direct mail, et al. And unlike the other tools, public relations is designed to help bring you more business as well

Expert’s Corner: Preparing for Tax Season

Another year comes to an end and investors as well as their advisers will begin the arduous task of preparing to file tax returns for 2003. What are the common areas of that will trip up taxpayers?

The Real Cost of Spending

This article I wrote for T. Rowe Price shows that investors need to look at today's expenditures not just in absolute terms, but also in terms of their potential future value. A family car for $380,000 anyone?

Looking Under the SMA Hood

Adding and dropping money managers in a managed account program is both science and art. Here's some insight into the process.

The Real Return on Real Estate

Leverage, sheltering of income and tax avoidance make calculating the real return on real estate tricky. This article, written for and published by Interbay Funding, a mortgage lender, does a deep dive on the nuances of calculating the real return on real estate.

Failing to Communicate Can Get a Manager Fired

When a manager gets knocked off one managed account program, does this mean that all the dominoes are about to fall? Yes, but they probably would have anyway.

Sex, Lies and Financial Planning

When clients divorce, what's a financial planner to do? As they say in a mindfield, step very, very carefully.

Handpicked: Separately Managed Accounts Can Offer Advantages Over Mutual Funds, but Watch Those Fees

As the popularity of mutual funds waned in response to a variety of factors, most notably perhaps the end of a product life cycle, Separately Managed Accounts caught fire. Spurred on by rapidly lowering investment minimums, assets in SMAs were closing in on $500 billion as 2003 came to a close. Barron's took my advice to cover this emerging trend and hired me to write a primer on SMAs.

A Who’s Who of Independent Research

In the wake of the "global settlement" -- the April 2003 agreement among 10 investment banking firms and the Securities and Exchange Commission -- brokers, advisors and investors soon will find lots more independent research reports on their desks.

Early Harvest Bountiful for Investors

In the early summber of 2003, investors were seeing something they hadn't for a very long time: stock market gains. Changes in the tax laws regarding capital gains, and a desire not to repeat the past leads to that most uncommon of Wall Street cries: Se

Wealth Management at FirstMerit

First Merit Financial reconfigures itself to offer a wealth management solution

Investors can be sooo predictable

Think the markets are rational? Think again. The burgeoning field of behavioral finance is debunking several myths about how investors behave and what this means for equities.

Preparing a Business Plan

This is a chapter in a book I wrote called Where's the Money for Entrepreneur Media under agreement with its authors Dwayne Moyers and Art Beroff. It tells the would-be business plan writer all the need to know, and at 10,000 words is longer than many business plans.

Alternatives to an IPO – Reverse Mergers

This primer on how to reverse mergers was written as a chapter in the book called Where's the Money. I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc.

Planning for Raising Equity Capital

Raising equity capital is like painting a room. Most of the work is in the preparation, and when prepared correctly, the actual painting is quick and easy. This article, which appeared as a chapter in a book I wrote for Entrepreneur Media under agreement with it's authors Dwayne Moyers and Art Beroff, details common pitfalls and a step by step approach leading up to a request for the check.

How To Prepare a Loan Request

This primer on how to prepare a loan requests was written as a chapter in the book called Where's the Money. I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc.

Business Incubators

This primer on business incubators was written as a chapter in the book called Where's the Money. I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc.

The Internet & Other Electronic Matching Services

If literature is defined as writing emblematic of an era, than this article about finding venture capital investors on the Internet is literature. This primer on finding capital on the Internet was written as a chapter in the book called Where's the Money. I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc.

Angel Investors

This primer on angel investors was written as a chapter in the book called Where's the Money. I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc.

Venture Capital, Federal Government Style

This primer on Small Business Investment Companies and Specialized Small Business Investment Companies was written as a chapter in the book called, Where's the Money. I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc.

SBA Guaranteed Real Estate (And Fixed Asset) Loans

Overview of the SBA's Certified Development Company Loan program. This primer on SBA guaranteed real estate was written as a chapter in the book called, Where's the Money. I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc.

How Investors Use Your Financial Statements

At 5,700 words- about 22 type written pages - this is a very comprehansive article looking at financial statement analysis from an equity and debt investor's point of view -- two radically different perspectives. This was written as a chapter in the book Where's the Money? I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc

Royalty Financing

This primer on royalty financing was written as a chapter in the book called, Where's the Money. I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc.

Private Loan Guarantees

This primer on private loan guarantees was written as a chapter in the book called, Where's the Money. I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc. Whether you're are raising debt or eq

SBA Guaranteed Business Loans

This primer on SBA guaranteed loans was written as a chapter in the book called, Where's the Money. I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc.

Asset Based Loans

This primer on asset based lending was written as a chapter in the book called, Where's the Money. I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc.

SBA-Guarateed Microloans

This primer on SBA Guaranteed Microloans was written as a chapter in the book called, Where's the Money. I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc.

Community Loan Development Funds

This primer on community loan development funds was written as a chapter in the book called, Where's the Money. I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc.

Equipment Leasing Primer

This primer on leasing for small businesses was written as a chapter in the book called, Where's the Money. I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc.

Where to Go When The Bank Says No

By 1997 I had written for Entrepreneur magazine for more than 7 years. In my Raising Money column, I had explored almost every nook and cranny of entrepreneurial finance, and had the idea to bring my separate columns together in a book. Ultimately, I was never able to come to terms with Entrepreneur magazine, but shopped the manuscript and found a much more eager publisher: Bloomberg LP, which was getting into the publishing business and anxiously signing up talent. They offered me a deal after our first meeting, and put a lot of resources into helping me put together a first class book. Where to Go earned rave reviews including a four and a half star rating from the Wall Street Journal.

Raise Money with Your 401k

This primer on raising capital through your 401k was written as a chapter in the book called, Where's the Money. I wrote the book under agreement with its' authors Dwayne Moyers and Art Beroff and with Entrepreneur Media, Inc.

The 1,000 Word Mutual Fund Primer

I was retained by the trade group, Regional Investment Bankers Association (RIBA), to produce a series of articles about the basics of investing. The articles were written for retail investors who were beginners, and they were published under the by-line of (RIBA) members in their local news and business publication. The program was a successful tool for business development for members, publicity generation for the group and its' members, and finally as an education tool to bolster RIBA's non-profit status. The article below is the sixth in the series and offers an overview of mutual fund investing. Such a series, if written today, would need to include a separate article on exchange traded funds, which offer many compelling benefits over mutual funds.

Trading Places

I was retained by the trade group, Regional Investment Bankers Association (RIBA), to produce a series of articles about the basics of investing. The articles were written for retail investors who were beginners, and they were published under the by-line of (RIBA) members in their local news and business publication. The program was a successful tool for business development for members, publicity generation for the group and its' members, and finally as an education tool to bolster RIBA's non-profit status. The article below is the third in the series and discusses the basic of asset allocation.

Finding a Broker Who’s Right For You

I was retained by the trade group, Regional Investment Bankers Association (RIBA), to produce a series of articles about the basics of investing. The articles were written for retail investors who were beginners, and they were published under the by-line of (RIBA) members in their local news and business publication. The program was a successful tool for business development for members, publicity generation for the group and its' members, and finally as an education tool to bolster RIBA's non-profit status. The article below is the fourth in the series and discusses finding a financial advisors who's right for you.

An Asset Allocation That’s Right For You

I was retained by the trade group, Regional Investment Bankers Association (RIBA), to produce a series of articles about the basics of investing. The articles were written for retail investors who were beginners, and they were published under the by-line of (RIBA) members in their local news and business publication. The program was a successful tool for business development for members, publicity generation for the group and its' members, and finally as an education tool to bolster RIBA's non-profit status. The article below is the third in the series and discusses the basic of asset allocation.

Automated Collection May Be The Key to New Cash

Though little known, Goldstein Golub Kessler is a huge accounting and consulting firm with a myriad of practices. One of these practices, Treasury Consulting, focused on helping treasurers and chief financial officers manage their payables and receivables in such a way as to squeeze more cash out of the balance sheet. In this assignment, I worked with practice manager Robert Jaffe to create an article on automating the accounts receivable process and increase cashflow to a middle market clothing manufacturer. Though the concept of automating the collections function is dated, the underlying principles regarding collections management remain germane.

Why Invest?

I was retained by the trade group, Regional Investment Bankers Association (RIBA), to produce a series of articles about the basics of investing. The articles were written for retail investors who were beginners, and they were published under the by-line of (RIBA) members in their local news and business publication. The program was a successful tool for business development for members, publicity generation for the group and its' members, and finally as an education tool to bolster RIBA's non-profit status. The article below is the first in the series and makes the case for investing.

Payment Timing Optimization Analysis

Though little known, Goldstein Golub Kessler is a huge accounting and consulting firm with a myriad of practices. One of these practices focused on helping treasurers and chief financial officers manage their payables and receivables in such a way as to squeeze more cash out of the balance sheet. In this assignment, I worked with practice manager Robert Jaffe to create an article on payment timing strategies that was published in Cashflow magazine.

Assessing Your Risk Profile

I was retained by the trade group, Regional Investment Bankers Association (RIBA), to produce a series of articles about the basics of investing. The articles were written for retail investors who were beginners, and they were published under the by-line of (RIBA) members in their local news and business publication. The program was a successful tool for business development for members, publicity generation for the group and its' members, and finally as an education tool to bolster RIBA's non-profit status. The article below is the second in the series and helps investors determine their tolerance for risk.

Firing Customers

This article was written in partnership with several PriceWaterhouseCoopers partners and explored the use of data warehouses to understand client profitability.