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Insights & Advice

BMM ArticlesA Wealth of KnowledgeVideo GalleryThe Retired Advisorwith Bill Schmick

Macroeconomics

The movies return

June 3, 2021June 3, 2021 by Bill Schmick

The Memorial Day weekend launched the unofficial beginning of the summer season. Movie owners are holding their breath in hopes that consumers, once vaccinated, may start to return to the cinema. Is it a false hope? Much has been written about the demise of the movie theater, even before the world was ravaged by the Coronavirus Pandemic. Sky high prices for tickets and the exorbitant costs of concessionary items like $8 bottles of water and $15 baskets of popcorn had made the movie-going experience almost as costly as a rock concert. At the same time, consumers were being offered the…

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Market rotation continues

May 28, 2021May 28, 2021 by Bill Schmick

One day, it’s all about technology. The next day, back to commodities. And on the third, defensive plays like healthcare shine. Next week, we could see a new player lead the markets higher. The Russell 2000 Index, which is chock full of small cap stocks, has been trading back and forth, but basically going nowhere over the last month. I detected a stirring of upside momentum this week and will be watching that index closely after the Memorial Day weekend for additional follow-through. The small cap universe, (one of my picks to outperform this year) has done “okay” so far…

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The carbon market comes of age

May 27, 2021May 27, 2021 by Bill Schmick

At the beginning of this year, the global price of carbon was $24.05 per ton of CO2. In order to achieve the emissions reduction goals of members of the Paris Agreement, prices need to reach a range of $50-$100 per ton of CO2. That makes buying carbon an attractive investment.The ongoing concerns about climate change have spawned several emission trading schemes over the last decade. The reasoning is simple: if left unchecked, carbon emissions (among other factors) will have a material impact on our environment and will do severe damage to the global economy.The ratification of the Kyoto Protocol of…

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Fed puts markets on notice while crypto crashes

May 21, 2021May 21, 2021 by Bill Schmick

It had to happen at some point with economic growth spiking as high as it has, and inflation beginning to creep up.  Investors should have expected the Fed to think about a change in policy. This week, we had our first mention of the dreaded “T” word. T is for taper and in the minutes of the Fed’s April FOMC meeting released on Wednesday, the entire financial community jumped on just one phrase: “it might be appropriate at some point” to consider tapering asset purchases if the economy shows “rapid progress.” In other words, the Fed is signaling that they…

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Gold regains its mojo

May 20, 2021May 20, 2021 by Bill Schmick

In inflationary environments, investors historically have hedged their bets by buying gold. However, this time around, the precious metal has languished as investors bought alternative investments. But times are changing. The primary alternative to buying gold has been cryptocurrencies. Bitcoin and Ethereum, two of my 2021 buy recommendations (for those with a strong stomach) have enjoyed spectacular gains in 2021. Bitcoin, at one point in May, had gained almost 100%, while Ethereum saw gains of more than 400%. In addition, other commodities held more interest than gold for most investors. In January 2021, I recommended investors focus on some specific…

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Inflation fears weigh on investors

May 14, 2021May 14, 2021 by Bill Schmick

Most stocks took it on the chin earlier this week. Technology shares lead the rout, but it didn’t take long before just about everything else followed tech lower. By the end of the week, it was as if nothing had happened. That’s called “chop.” Get used to it. The Consumer Price Index (CPI), which investors use to gauge future inflation, took the lion’s share of the blame for the downdraft in equities. Economists had warned that we should expect a higher monthly reading (0.2%) for April, but the data came in at 0.8%. That computes to a 4.2% price gain…

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A labor shortage solution

May 13, 2021May 13, 2021 by Bill Schmick

The hiring boom that was expected in April 2021 fizzled. Last Friday’s nonfarm payrolls report came in at 266,000 jobs gained compared to over a million expected. It was the biggest miss in decades. Politicians and many corporations were quick to provide a ready scapegoat for that failure. They blamed it on the weekly payments of $300 in federal unemployment aid through September 2021, on top of the regular unemployment benefits paid out by the states. In short, the fault apparently lies with the Biden Administration’s stimulus package. If the president and the Democrats had not provided these overly generous…

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Stocks make new highs

May 7, 2021 by Bill Schmick

It has been the best quarterly earnings season in a long time. More than 87% of companies that have reported thus far have beat earnings estimates. That is a record, and investors celebrated. Last week, I mentioned that this earnings season has been a classic example of a sell-on-the-news. It has been especially so for companies in the technology sector, but not so much for investments in other areas. What, you might ask, does this say about the overall markets? The most bullish interpretation is that we will continue to move higher, making new highs after new highs. The Dow…

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Are Inflation fears real or imagined?

May 6, 2021May 6, 2021 by Bill Schmick

If you have been grocery shopping lately, there is no question that prices and inflation are going higher. The same can be said for the price of a gallon of gas. But is it a transitory event, or are we at the beginning of an inflationary era not seen in decades? Clearly, commodity prices, which are usually the harbinger of future inflation, are soaring. Copper, oil, sugar, corn, steel, aluminum and lumber, as well as many other food and material prices, are hitting multi-year highs. But it is not just commodities that are seeing a price surge. Shipping costs are…

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Fed signals an ‘all clear’ for equities, but the markets don’t care

April 30, 2021April 30, 2021 by Bill Schmick

Investors were bolstered by the Fed’s message this week. Low interest rates and monetary stimulus will remain pillars of the nation’s economic recovery for as long as it takes. Investors were comforted, but not enough to materially move stocks higher. It was indicative that despite bullish news on a variety of fronts, investors ignored the good and focused on the negatives. First quarter earnings results, for example, have been better than good, but not enough to satisfy the bulls. Apple smashed earnings estimates, sending its stock price higher in after-hours trade, but the next day it finished down. It has…

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Stocks soar on stronger economy

April 16, 2021April 16, 2021 by Bill Schmick

A combination of stronger economic growth, declining interest rates, and expectations that the economy will get even better pushed the U.S. stock markets to another set of record highs this week. As fears of higher bond yields continue to fade, sectors that do well under lower interest rates took off this week. Commodities in general came back in favor and even the greatest laggard of all—gold—saw some fresh demand. That’s right, the precious metal I least favored at the beginning of the year actually came to life, although it has a long way to go before recapturing its former luster….

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Jobs and jabs

April 12, 2021April 12, 2021 by Allen Harris

Bank of America (BoA) has been tracking the credit card use of clients who received the stimulus payments authorized by the American Rescue Plan (ARP). For the seven days ending March 27, 2021, aggregate credit card spending was up 82 percent from a year ago. Where is the money being spent? Everywhere. Furniture stands out, which reflects the heated home-building industry. And then electronics, clothing, airlines, home improvement, and restaurants (in that order of year-over-year growth). The two-year percentage change tells a better story because the world came to a halt the week of March 27, 2020. For the seven…

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CAPITAL IDEAS: Where is my ‘stimmy’?

April 5, 2021 by Allen Harris

A “stimmy,” according to Merriam-Webster, is a slang term that refers to the stimulus payments made to Americans as part of COVID-19 relief packages. There’s not a lot of good data on how Americans have, so far, spent their 2021 stimmies. As an investor, it’s a good idea to consider where some of that roughly $400 billion in checks from the $1.9 trillion American Rescue Plan (ARP) will flow. Perhaps it will go where it has gone before? An October 2020 Federal Reserve study found that 29% of the first round of stimulus checks were spent. Of the amount spent, nearly two-thirds…

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CAPITAL IDEAS: What a year

March 29, 2021March 29, 2021 by Allen Harris

“It was the best of times, it was the worst of times … it was the season of light, it was the season of darkness, it was the spring of hope, it was the winter of despair.” — Charles Dickens The year 2020 was dreadful. Our neighbors, friends, and family lost jobs as the economy struggled with COVID-19. Tragically, some of us lost loved ones to the virus. I keep those losses in mind as I review the year for the stock market. My intention isn’t to spike the ball in celebration of how well the stock market performed. Instead, it…

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Cross currents confuse investors

March 26, 2021March 26, 2021 by Bill Schmick

You would think that with a $1.9 trillion spending package, an increasing rate of coronavirus vaccinations, and a potential $3 trillion infrastructure package waiting in the wings, the market would be at record highs. The fact it is not should tell you something about the indecision plaguing investors. When good news fails to impress, it usually means stocks (or at least some stocks) are headed lower. That should come as little surprise to readers. I advised investors to raise cash last month in preparation for what I see as a buying opportunity this month. The challenge: when do you put…

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Markets ignore China sanctions

December 10, 2020December 10, 2020 by Bill Schmick

During the past few weeks of this presidency, both the Trump administration and Congress have levied additional sanctions against the People’s Republic of China. Financial markets and U.S. corporations have largely ignored those efforts; here’s why: Investors have learned over the past four years that tough talk on trade tariffs, blacklisting and other threats were largely ineffectual in curtailing the world’s second largest economy. The facts are that U.S. tariffs on Chinese goods have been a failure. Our trade deficit with China is higher now than it was before the trade wars. China’s trade gap with the U.S. was 43%…

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