Category: Our Commentary

Is the 2022 Stock Market Predictable?

Coming off a record stock market rise in 2021 and then seeing the stock market reach a new high on the first day of 2022, what should you expect for this year? For 2021, the stock market, measured by the S&P 500, gained 27% while the DOW gained 19% (excluding dividends). These are great returns, […]

S.M.A.R.T. Goals to Help Shape your New Year’s Resolutions

The changing of the year is often a time when folks think of making their New Years Resolutions (or other positive changes in their lives). Most often those changes usually involve fitness or money. Unfortunately, most people are not great at keeping up with their resolutions throughout the year. For weekly insights, follow The Welch […]

Understanding Bitcoin

In the first article of a two-part series, What’s The Deal With Bitcoin, we reviewed the definition and history of money, the traits humans look for in searching for sound money, and why Bitcoin came into existence.  In this article, we discuss the technical aspects of Bitcoin, arguments for and against it, and how to […]

What’s The Deal With Bitcoin?

The momentous upward move in the price of Bitcoin in late 2020 and early 2021 caused many people to take notice of the cryptocurrency world for the first time. While it is natural for people to be interested in or curious about this new cryptocurrency, it is surprising that people rushed to allocate capital in […]

The Perfect Christmas Gift for a Young Grandchild

Christmas is always a magical time of year for youngsters. They have thoughts of Santa, reindeer, toys, and elves dancing in their heads. So what comes to mind if you are a grandparent thinking of the perfect gift for a grandchild? I would like to suggest the best gift any child can receive…the gift of […]

‘Tis the Season for Tax Efficient Giving

“It is in giving that we receive,” as the saying goes. Thankfully, charitable giving is alive and well in our country. “Why America Gives” by Classy is a recent study that indicates 84% of donors plan to give at levels equal to or higher than charitable gifts made in 2020. I suspect it helps that […]

Financing a Home is Easier than Ever!

There is nothing more satisfying than making an investment for your future. One of the most important investments you will make in your life is when you buy a house. When purchasing a home, loans rates are typically less expensive if the home is financed under a conventional loan with mortgage brokerage companies like Fannie […]

Are Series I Savings Bonds Worth It?

One of the biggest concerns currently surrounding markets is inflation and how to defend against it. The search for yield is intense! The Consumer Price Index on all items shows inflation increasing 6% year-over-year, not to mention checking/savings accounts, and most sovereign bonds yield below 2%. One tool that can be effective for your savings […]

PRESS Ahead to Retirement

We are often reminded of the importance of saving for retirement, but why do so many people let the opportunity slip through the cracks? My experience is that, for many people, current lifestyles tend to soak up all the income. The desire is there, but the free cash flow is not. There is a fresh […]

Should I Be Scared of the Stock Market?

The frights of Halloween are behind us, but the stock market can still look very scary!  YESTERDAY the Dow flirted with an all-time high milestone of 36,000, before ending the day at 35,913. The Dow has elevated drastically throughout history. As a contributor on WBRC Fox 6 for over twenty years, the same question surfaces […]