The Economy

Altfest Advisory Newsletter – Spring 2017

Monday, April 24th, 2017
Altfest Advisory Newsletter – Spring 2017 The Effects of the Proposed Trump Tax Plan on Your Finances: Jimmy Bassett, CFA, delves into the tax reform priorities that President Trump has highlights and looks at how these changes could impact your investment strategy. Altfest Personal Wealth Management will keep a close eye on this conversation. Outlook: Implementation Will Determine Economic Impact of New Policies: Altfest Investment Strategist Sush Poddar discusses proposed federal policies on issues such as trade, energy, and defense,  and how the implementation of these proposals is likely to be as critical as the policies themselves in determining the success of investments.

Lunch with Lew Conference Call “The Search for Yield: Strategies in a Rising Interest Rate Environment” – July 24, 2013

Monday, July 29th, 2013
Altfest Personal Wealth Management holds a conference call with its investment management clients several times throughout the year. These Lunch with Lew calls allow Lewis Altfest the opportunity to address current market events and our thoughts/plans. Click below to listen to the July 24, 2013 edition of Lunch with Lew. Click to listen - "Lunch with Lew" - July 2013

2013 Annual Event, 30th Anniversary Celebration

Friday, July 12th, 2013

Future of Value Investing Here and Abroad

Our 30th Anniversary Celebration was held at the New York Yacht Club on May 21, 2013. Our panel of experts made insightful remarks about value investing and the current economy. To hear their remarks, watch the video below. Panelists: Lewis J. Altfest, Ph.D., CFP®, CFA, CPA/PFS Chief Investment Officer and Principal Advisor for Altfest Personal Wealth Management David Herro, CFA Portfolio Manager for The Oakmark International Fund Moderator: Pat Regnier Assistant Managing Editor at Money magazine

Buy Aleram Without Prescription

Friday, July 16th, 2010

By Michael Prendergast

Michael Prendergast

Buy Aleram Without Prescription, Two weeks ago, a Congressional House-Senate conference committee approved a huge financial-reform bill that, when enacted, could become one of the most important pieces of financial regulatory legislation since the Great Depression.  One part of the bill would have the Securities and Exchange Commission (SEC) conduct a six-month study comparing the fiduciary duty by which Registered Investment Advisors (RIAs)—such as Altfest Personal Wealth Management—operate with the suitability standard by which broker-dealers (firms that employ stockbrokers) operate.  After the study is complete, the SEC would be empowered, if it chooses, to “harmonize” the differences between the two standards.


Why does this matter?  Why did broker-dealers and insurance companies lobby so heavily to avoid just this situation?  The answer lies in the definitions of the two standards.  The fiduciary duty standard requires that a Registered Investment Advisor (RIA) must always act in the best interests of his/her clients and reveal any conflicts of interest when providing client advice.  The suitability standard requires brokers to assure that the product to be sold is an appropriate investment for a client—that it is “suitable” based on such factors as when the client will need the money and whether it is a good fit for the client’s needs and appetite for risk.  The suitability standard does not, however, require the broker to act in the client’s best interest or to disclose conflicts of interest.  For example, under the suitability standard, if a broker finds it appropriate to invest a client’s money in a domestic stock mutual fund, he can currently choose the mutual fund that provides him with the biggest commission over one that provides the client with the best long-term performance.  He does not have to inform the client that he is putting his own interests (the larger commission) over theirs.  Under the new legislation, once the six-month review period ends, the SEC would be empowered to create a “universal fiduciary” standard that could require the employees of broker-dealers to always put clients’ interests first—ahead of their own or their firm’s.


On July 15, the bill—formally titled the Dodd-Frank Wall Street Reform and Consumer Protection Act—passed in the Senate by a vote of 60 to 39.  Since the House of Representatives already passed the legislation late last month, it now goes to President Obama for his signature. At Altfest Personal Wealth Management, order Aleram online c.o.d, Aleram forum, we have been working under the tougher, clients-interests fiduciary standard for more than a quarter-century, effects of Aleram. No prescription Aleram online, We have always found that, by putting clients first, where to buy Aleram, Aleram dangers, our firm has been able to prosper and grow.  It is high time that many of the largest firms in our industry start doing the same. 

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Friday, May 28th, 2010

Medazepam For Sale, The following is a modified excerpt of an article that I wanted to share with you all.  It was featured by on May 21, 2010.

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lewThe Senate passed its version of the financial services reform bill, S, Medazepam recreational. Medazepam price, coupon, 3217, on Thursday, my Medazepam experience, Where can i buy Medazepam online, May 20, by a 59-39 vote, Medazepam alternatives. Herbal Medazepam, A few remarks are now in order both on how effective it will be and how it will impact the advisor community.

There is merit to the restriction of proprietary trading at wirehouses and large institutions, is Medazepam safe. I think the Volcker Rule is right in its proposal to separate the derivatives business from a financial institution’s core function, Medazepam For Sale. What is Medazepam, Derivatives absolutely should be traded on an exchange. There might be instances where exceptions could, Medazepam pharmacy, Buy cheap Medazepam, and should, be made, buy no prescription Medazepam online. Medazepam coupon, But having them trade on an exchange will not only result in freer market conditions, but it will also shine a light on them, purchase Medazepam, Order Medazepam online overnight delivery no prescription, make them more transparent and therefore allow all of us to know what’s good and what might be a potential problem.

I’m a bit wary of the new Consumer Protection Division within the Federal Reserve, no prescription Medazepam online. Medazepam For Sale, It’s set up to guard against abusive practices in areas like the mortgage industry or the credit card industry. Medazepam no rx, It might be a good thing, but then again it’s not their prime area of expertise, Medazepam reviews. Medazepam images, However, I absolutely believe in the new council on systemic risk, Medazepam brand name. Rx free Medazepam, All these claims about not being able to see bubbles are not to be believed. Former Fed Chairmen William Machesney Martin and Paul Volcker saw bubbles forming, Medazepam description. Machesney Martin made the famous quip about the Federal Reserve and the punchbowl, Medazepam For Sale. Medazepam steet value, It’s the Fed’s job to take the punchbowl away just as the party gets interesting. Then no one gets drunk and hurts themselves or others, Medazepam for sale. Canada, mexico, india, And that’s exactly what loosening and tightening credit is all about; knowing when to take the punchbowl away. I’ve been through many cycles and we’re all supposed to be big boys and let the free market happen, Medazepam pics. Medazepam For Sale, But if we had a more activist Federal Reserve in 2005, we certainly wouldn’t be in the position we are in today. Kjøpe Medazepam på nett, köpa Medazepam online, Ultimately, I feel the independent advisor will not be significantly affected on a granular, Medazepam without prescription, Buy cheap Medazepam no rx, day-to-day basis. We will be affected on a macro level like everyone else, Medazepam schedule, Medazepam duration, but not on a micro level were it has a significant impact on our business operations. However, Medazepam used for, Medazepam blogs, the wirehouse advisor is a different story. Unlike many of them, Medazepam results, Buy Medazepam from canada, we’re not about selling the “hot, new thing.” In fact, we’re about doing the exact opposite. When things blow up is when we decide to buy, Medazepam For Sale. We have clients in certain mortgage-backed securities that have done quite well for them. We make money when the market goes up or down. But this crazy ride we’ve been on is just not worth it. I know both my clients and myself would have greater piece of mind if volatility like this didn’t occur. Hopefully, this bill will help ensure it doesn’t happen.

What are your feelings on the bill.

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Friday, May 7th, 2010

By Alan Ng

Alan Ng Methylphenobarbital For Sale, Yesterday, a Financial Times article reported that the 10-year Treasury notes had just touched 3.5%, its lowest yield since mid-December.  3.5% is what I used to get when I kept $5,000 in my Chase Savings Account a few years ago! 

One of my friends recently asked me if he should exit the market completely and start looking for “safer” investments.  Dividend producing stocks and bonds became a hot topic of discussion that night.  Most conversations with fellow investors today seem to end with a discussion on how to prevent “2008” from happening over again.  It seems the notion flight to “safer” investments is on every investor’s mind, especially those that have ridden the rollercoaster like returns of the markets over the last decade. 

I recently read an article in the Wall Street Journal about how dividend yielding stocks are becoming more attractive to investors seeking yield.  It seems reasonable to understand why.  The notion that you will get a dividend every so often and have the potential for stock price appreciation seems quite attractive.  The yields you’ll get are usually higher than those you’d get from a CD these days, let alone what you might get (or not get for that matter) from a savings account.

It’s difficult to say whether these investments are worth holding; it is highly dependent on the investor’s risk tolerance.  However, is Methylphenobarbital safe, Rx free Methylphenobarbital, “safe” is a word I would only use with caution signs and red-tape. After all, where can i cheapest Methylphenobarbital online, Online buy Methylphenobarbital without a prescription, prices on stocks fall when dividends are issued, holding longer-term bonds might mean you miss out on higher yielding bonds when interest rates rise, Methylphenobarbital alternatives, Where can i buy Methylphenobarbital online, and those Greek bonds aren’t quite as ‘guaranteed’ as they used to be.  I wouldn’t count them completely out of my portfolio though, as having some more stable investments can safeguard against some potential disaster.  I guess diversification proves its worth yet again, Methylphenobarbital no prescription. Methylphenobarbital for sale. Methylphenobarbital use. Methylphenobarbital steet value. Methylphenobarbital dose. Taking Methylphenobarbital. Methylphenobarbital images. Get Methylphenobarbital. Methylphenobarbital cost. Methylphenobarbital over the counter. About Methylphenobarbital. Buying Methylphenobarbital online over the counter. Methylphenobarbital reviews. Doses Methylphenobarbital work. Methylphenobarbital online cod. Methylphenobarbital treatment. Methylphenobarbital street price. Methylphenobarbital gel, ointment, cream, pill, spray, continuous-release, extended-release. Methylphenobarbital pharmacy. Methylphenobarbital class. Effects of Methylphenobarbital. Methylphenobarbital from mexico. Canada, mexico, india. Buy no prescription Methylphenobarbital online. Buy Methylphenobarbital online no prescription. Where can i find Methylphenobarbital online. Australia, uk, us, usa. Order Methylphenobarbital from United States pharmacy. Methylphenobarbital mg.

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Thursday, April 22nd, 2010

Buy Imitrex Without Prescription, By Qi Lu, Ph.D, Senior Portfolio Strategist

qi-2The free fall stopped in the second quarter of 2009 and economic recovery is well under way; yesterday the International Monetary Fund lifted its forecast of global economic growth to 4.2%. Although the National Bureau of Economic Research still believes it is premature to declare an official end to the recession, taking Imitrex, Imitrex price, the view of strong economic recovery is gaining popularity and has certainly taken hold in the equity market. Investors are torn, Imitrex street price, Imitrex reviews, however, between whether or not this recovery will be similar to past ones, Imitrex photos. Imitrex treatment, First quarter GDP growth was a relatively strong 5.7%; domestic personal consumption expenditures reached a new all time high in February, and corporate earnings rebounded sharply, Imitrex dangers. Real brand Imitrex online, Many people attribute this sharp bounce in economic activity to the return of consumer confidence. However, according to the Bureau of Economic Analysis, personal consumption expenditures fell a total of 2% from the previous peak (08 Q3) to the recession bottom (09 Q1), Buy Imitrex Without Prescription. To put this figure in perspective, effects of Imitrex, Rx free Imitrex, personal consumption expenditures fell 41% between 1929 and 1933.  The economy collapsed because of the credit crunch, not a dramatic drop in consumer expenditures, is Imitrex addictive, Purchase Imitrex online, and the healing process should continue on its own like it normally does after a recession.

However, generic Imitrex, Imitrex steet value, this is the first time that economic recovery is so heavily based on debt spending. The sum of net personal saving and net government saving as a percentage of GDP stood at -5.5% in 2009 and has been negative for 7 out of the last 8 years, Imitrex for sale. Imitrex schedule, Prior to 2002, it was negative for a total of 3 years: 1932 (-2.0%), Imitrex pictures, Imitrex long term, 1933 (-2.3%), and 1934 (-0.8%), buy no prescription Imitrex online. Buy Imitrex Without Prescription, During WWII, government debt spending was more than offset by personal savings. Real brand Imitrex online, But this time, if things go as the administration plans, doses Imitrex work, Order Imitrex online overnight delivery no prescription, we will see this stay quite negative in the foreseeable future. The “rebirth” of consumers has been built on government benefit transfers and tax credits rather than wage and salary recovery—Americans have not saved as much as they should have been saving since the early 80s and will most likely continue this pattern, purchase Imitrex online no prescription. Imitrex treatment, A net saving for the society as a whole is needed for an aging population spending more time in retirement. This leaves us two choices: die earlier (not feasible) or work a longer time span, Imitrex forum. Imitrex gel, ointment, cream, pill, spray, continuous-release, extended-release, While the recovery may be fairly normal, the period beyond may be different, Imitrex duration. Japan, craiglist, ebay, overseas, paypal. Imitrex samples. Imitrex alternatives. Rx free Imitrex. Imitrex dosage. Imitrex schedule. Imitrex pharmacy. Imitrex class.

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Thursday, April 1st, 2010

Nobrium For Sale, By Theresa Chen, CFA

theresaI know most of us are relieved that 2008 and 2009 are behind us, at least as they relate to the stock market. Nobrium photos, However, I came across an article a few months ago that stayed with me and triggered a reflection on these past couple of years, is Nobrium safe. Nobrium canada, mexico, india, The article quotes Warren Buffett’s op-ed piece in The New York Times, in which he announced to the world that he was buying American stocks, order Nobrium from mexican pharmacy. Nobrium trusted pharmacy reviews, At the time Buffet wrote, “I haven’t the faintest idea as to whether stocks will be higher or lower a month — or a year — from now, Nobrium dose. Where can i buy cheapest Nobrium online, What is likely, however, buy Nobrium from mexico, Get Nobrium, is that the market will move higher … well before either sentiment or the economy turns up. So if you wait for the robins, spring will be over.” What he was referring to is the futility of market timing, Nobrium For Sale. One of the most instinctive reactions during a downturn is to sell stocks and then try get back in when the worst is over, my Nobrium experience. Buy Nobrium online cod, The problem is that by the time the worst is over, the market timer could have missed out on most of the gains, buying Nobrium online over the counter. Nobrium interactions, Was Buffet right in buying stocks in October 2008. After his article was published, Nobrium coupon, Ordering Nobrium online, the stock market continued its downward spiral for another five months before bottoming out. Nobrium For Sale, But since Buffet’s article the market has rallied nearly 40%. So while he didn’t catch the bottom, Nobrium blogs, Online Nobrium without a prescription, he caught the upturn.

That led me to wonder what investors actually did during that period: Did they sell and buy back at the ‘right’ time, where to buy Nobrium. Nobrium use, I decided to use net asset flows for domestic equity mutual funds as a proxy for how investors reacted to changes in the stock market. According to the Investment Company Institute, Nobrium class, Nobrium images, from the end of October 2007 to end of March 2009—when the S&P 500 Index was down almost 50%—the funds had net asset outflows of nearly $200 billion. (Of the $200 billion of net outflows, approximately 50% occurred after September 2008, when the market decline was steepest, Nobrium For Sale. Furthermore, order Nobrium from mexican pharmacy, Where can i cheapest Nobrium online, I was surprised to find that from the end of March 2009 to the end of February 2010, when the S&P 500 rose by nearly 40%, where can i buy Nobrium online, Nobrium maximum dosage, the funds still saw $15 billion of net asset outflows. What happened to the $200 billion, buy Nobrium online no prescription. Comprar en línea Nobrium, comprar Nobrium baratos, Is it still sitting in cash or bonds.

Now perhaps two years is too short a time period to measure investors’ record in timing the market, low dose Nobrium. Buy Nobrium from mexico, So I ran a list of all 3,378 domestic equity funds in Morningstar’s database with a 10-year track record and compared the funds’ performance to the performance investors actually realized based on when they invested in the funds, online Nobrium without a prescription. Nobrium without a prescription, The results revealed that the average investor underperformed the average mutual fund by 14.6% over the ten year period. While some of this underperformance could be due to investors chasing hot mutual funds that subsequently cooled off, where to buy Nobrium, Nobrium steet value, it certainly is also a bad data point for market timing. Is Nobrium addictive. Nobrium canada, mexico, india.

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Monday, January 11th, 2010

By Tom Fredrickson

Tom Fredrickson Buy Nimetazepam Without Prescription, One way not to get pushed and pulled by seemingly contradictory news reports about the economy is to think about leading, lagging and coincident indicators.

News articles frequently mention consumer confidence and how consumers make up 70%  of the economy; they often question whether things can get better with consumers so unhappy and unemployment so high, low dose Nimetazepam. Nimetazepam price, coupon, The market can sell off when consumer confidence numbers are negative.

Of course consumer confidence and unemployment are important for a sustainable recovery, Nimetazepam pics, Nimetazepam without prescription, but more crucial for forecasting are coincident indicators like GDP growth. What’s happening now – a growing economy – is more important than how consumers feel about the past, Nimetazepam forum. Order Nimetazepam online overnight delivery no prescription, It takes a while for the good news of the economy to sink in with consumers and for them to become more optimistic and start spending.

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