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Financial Planning

Robot and Human Collaboration

 April 19 2017     Matt Woebkenberg
Here are a few videos showing how robots are working with humans in various industries.  In these scenarios robots are serving a complementary role to many human employees.  For the foreseeable future, this will be the norm far more often than entirely automated industries.

Pop Quiz

 April 18 2017     Matt Woebkenberg
Pop quiz: You invest $100 in a stock. The stock drops by 25% in year 1 and then increases in value by 25% the following year. How much is your investment worth today?       A. $125.25       B. $100.00       C. $93.75       D. Who cares, just tell me the answer.If you answered C, your answer is correct. If you answered A or B, don’t be discouraged. Many people struggle to think in terms of compound...

Markets Only Look Forward

 April 17 2017     Matt Woebkenberg
The Wall Street Journal recently wrote an article about Flipkart receiving a $1.4 billion investment.  FlipKart is billed as the Amazon of India and is a private company with the goal of dominating the growing India e-commerce market.  With this recent investment, Flipkart was valued at almost $12 billion (down from previous $15 billion valuation).  Fascinatingly, Flipkart managed this $12-15 bill...

Friday Financial Terms - Stock Split

 April 14 2017     Matt Woebkenberg
Stock splits occur when a company increases its number of share outstanding using a stated ratio. For example, a company that announces a 2-for-1 stock split is in effect saying "for every 1 share of stock you own in your account, you will now own 2 shares after the split". The price of the stock adjusts to the split ratio as well. If the stock you owned traded at $50 before the split, it would tr...

Hair Products and Saving

 April 13 2017     Matt Woebkenberg
One of our wonderful readers jokingly replied to our request for topic ideas by saying that the blog should offer more advice on hair products.  Hair products are, according to the reader email, what the people need to know about.  So, as a blog for the community, we felt obligated to give the people what they want...kinda.Surely most of our readers have seen articles explaining how much you can s...

Robots Take on Investing

 April 12 2017     Matt Woebkenberg
After already picking on fast food workers, lawyers, and drivers in our robot posts, I should also mention that robots are coming after my job as well.  The big news recently was that BlackRock, the largest asset manager in the world, was cutting jobs among its human stock pickers in favor of "robots" (Fortune, WSJ $$$).  This is a growing trend around the investment industry from robo-advisors to...

Would you invest?

 April 11 2017     Matt Woebkenberg
Following is a hypothetical investment opportunity.  Hopefully it shows why it is important to look at the financials of a company that you invest in, and why it is so difficult to accurately pick individual stocks.Steve is selling 5% of all of his future net earnings (after paying his expenses).  For a price of just over $54,000 you can have exclusive rights to 5% of Steve's net earnings for the ...

Cincinnati Experiences Widespread Economic Strength

 April 10 2017     Matt Woebkenberg
Near the end of last month the Federal Reserve Bank of Cleveland reported the Cincinnati region is experiencing the strongest growth out of all the other regions in the state. A couple of highlights in the report note:The region’s unemployment rate remains well below its 2007 pre-recession readingsThe number of jobs has also recently surpassed its pre-recession high, as has the level of real per c...

HORAN Capital Advisors Q1 Investor Letter

 April 7 2017     Matt Woebkenberg
In lieu of the regular Friday Financial Terms post (which will be continued next week), I wanted to direct all readers to our newsletter for the first quarter of this year.  To summarize the letter, though markets may appear expensive by many traditional valuation metrics, this should not change investors' near term decisions.  Timing in and out of the market is very dangerous and often counterpro...

Estate Planning

 April 6 2017     Matt Woebkenberg
Lessons from Prince.  As you all know, Prince died last April of an overdose.  As with any sudden death, it was a tragic loss and mourned by many.  The difference in this case, however, was that Prince died with an estimated net worth of $300 Million and even more importantly, he did not have a will.  A recent article in the Wall Street Journal commented on how many of the details of Prince's esta...
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