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“Every crisis has appeared to be totally unprecedented as we were going through it. Just as this one does. This time is no different.” |
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Greetings,
Three housekeeping notes:
- My business email has changed to michael@clientfirst.pro. Nothing else has changed and my old one still works ― but I prefer you use this new one.
- Favor to ask. Can you a) click on any link in this email (maybe Nick's Client's Corner below); and b) reply to this email (with any message). This helps verify my new email address. Thanks!
- This is a good day to be a long-term investor in the world's great companies. As is every day.
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On Behalf of Your Financial Advisor: A Polite Request |
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In this month’s edition Nick discusses that in addition to being unknowable, the market’s near-term outlook is also irrelevant to the investment policy of the goal-focused, plan-driven, long-term investor and his/her Behavioral Investment Counselor (me!).
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MICHAEL'S ARTICLE OF THE MONTH |
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What is Dollar-Cost Averaging and Why Is It Important?
In this article you'll learn why investing in consistent intervals, regardless of the current market, is a superior investment strategy. |
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The Wisdom of Great Investors is a compilation of quotes and essays of history's finest investors. My entire investment philosophy is expressed in these few pages.
It's in PDF and read it for free by clicking the button below.
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The investing runway: Fleeting fashion to timeless business models |
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Youtube - 27 February 2025 - 36 minutes |
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How can investors identify disruptive business models that can maintain growth? For Lara Pellini, it involves a travel-intensive, hands-on approach to evaluating companies.
Mike Gitlin interviews this London-based portfolio manager about everything from fashion trends to food delivery, and why she believes successful investing involves much more than just reading annual reports and quarterly financial statements. |
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20 February 2025
28 minutes
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Retail-Artificial intelligence is transforming the American heartland |
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Dane Mott, a Capital accounting analyst, shares his experiences and insights from a trip he recently led to Columbus, Ohio for an up close view of how artificial intelligence is transforming the American heartland. Dane, an Ohio native, describes the vast transformation he has seen in the area, which is home to more than 40 data centers. He also shares some insights from research on differences between U.S. corporate titans and the rest of the economy. |
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What is the general rule-of-thumb regarding contributions to a UGMA vs a 529-Plan? |
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- Always fully-fund the 529-Plan first.
- Always fully-fund the UTMA first.
- 50% / 50% into UTMA and 529-Plan.
- Put the first $20,000 into an UTMA and the remainder into a 529-Plan.
- Put the first $50,000 into an 529-Plan and the remainder into a UTMA.
- Put the first $5,000 into an 529-Plan and the remainder into a UTMA.
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Answer = #4
Put the first $20,000 into an UTMA and the remainder into a 529-Plan.
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MONEY MEMES AND A LITTLE HUMOR |
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Michael Paulding Thomas
Financial Advisor, Registered Representative, Securities Principal. Series 6, 26, 63, 65, Life
Since 1989 I’ve been helping families make smart choices about building a guaranteed income during retirement.
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Retirement Planning • IRAs • 401k's • Rollovers • Mutual Funds • Variable Annuities • College Planning • Term Life Insurance • Living Trusts |
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