We are we we are we are, já que gostaram do backstage trouxemos esse que foi muito legal. O final é uma resenha kakakakakakka 🤭🤭 #newcrias #exid #upanddown #hanni #hyerin #Le #jonghwa #solji #kpop #sexy #cima #baixo #dance #kpopdance #brazil #brasil #alagoas

@cimaroom_ar #انمي #اوتاكو #تطبيقات_أندرويد #تطبيق_انمي #انمي_سلاير #انمي_كلاود #animeslayer #animecloud #cima

Papoyla eskiye dönüyoruz yepyeni videolarla karşınızda olacağız 😍✌️ #papoo #cima #yasarbey

I was a ‘Wall Streeter’ from 2010-2021. Here’s a nasty little secret about what big Money Managers do at year end… I literally watched this happen… THIS IS IMPORTANT FOR ANY INVESTOR TO UNDERSTAND. Managers “WINDOW DRESS” at year end- and because the market is up so much this year, they want to flush the massive cash positions they own out of their portfolio. The last thing they want is their clients to see they’ve been sitting on 20% cash all year- which is the reality of what they’ve done. So any pullback in the market this year will likely be met with buying- to get rid of this cash, so it’s not on their statement when they show their 12/31 statement to their clients. This artificially puts a floor under stocks until year end. But, starting in 2024, it’s back to reality- which is looking like stocks with stretched valuations and a ton of economic uncertainty… Disclosure: I don’t have a crystal ball, and cannot predict the direction of the market- this is simply commentary based on what I’ve seen. #wallstreet #stockmarket #stocks #sp500 #cfp #cima #marketanalysis #invest #investing #investor #finance #finance101 #financetiktok #financetok #personalfinance #lifegoalnation #lifegoalinvestments

Goldman Sachs just released a report projecting just 3%/year return for S&P 500 over the next 10 years… They also project bonds to outperform stocks over the next decade- with 72% probability. AND YES, bonds historically carry a fraction of the risk of stocks (using the widely accepted risk metric, standard deviation). 2 stated headwinds against stocks returns moving forward: Valuations- their favorite valuation metric is the CAPE ratio- which has only been more expensive 3% of the time throughout history. Concentration Risk- they believe the stocks that have dominated recently (ahem, MAG 7), cannot continue to have the sales growth and unbelievable margins they’ve experienced. AKA- they think competition is coming. Goldman doesn’t have a crystal ball, but they’re also not stupid, and they have no vested interest in poo-poo-ing stocks… TAKEAWAY: if you’re not owning BONDS, PLEASE MAKE SURE THERE’S A GOOD REASON- because they’re projecting a 72% likelihood they outperform S&P 500, AND they historically have a fraction of the risk. Disclosure: past performance is no guarantee of future returns. And, there’s nothing to say that Goldman Sachs’ outlook comes to fruition. #goldman #goldmansachs #fisherinvestments #finance #personalfinance #investing #investor #sp500 #stocks #stockmarket #bonds #cfp #cima #lifegoalnation #lifegoalinvestments

Stocks at all time highs- this shouldn’t be a scary statement. History says all time highs are actually a solid entry point- counterintuitive as it may sound. Stocks are expensive on a lot of different metrics- I’m certainly not advocating for a ‘go all in approach.’ DIVERSIFY. #stocks #stockmarket #sp500 #investor #investing #cfp #cima #wallstreet #finance #finance101 #financetiktok #financetok #lifegoalnation #lifegoalinvestments

CPI day tomorrow- if Inflation doesn’t come down quickly enough… Will The Fed be able to cut interest rates at all this year!? It’s an interesting little political dilemma that Jerome Powell and The Fed are putting themselves in. What are your thoughts!? #thefed #jeromepowell #inflation #interestrates #mortgage #mortgagerates #lenders #mortgagelender #realestate #homebuyers #firsttimehomebuyer #economics #cfp #cima #stockmarket #stocks #lifegoalnation #lifegoalinvestments

Yo sigo #trabajando mientras tu duermes. Algun dia van a ver a este loco en la #cima . #buenosdias #feliziniciodesemana #reflexion #buenavibra #positivo #amen #Dios nos guie iniciando la semana #angelluis

S&P 500 Rally- Please make sense of this for me, because I’m a little confused. The 10% rally we’ve seen was caused by how the market interpreted the Fed’s comments at their most recent meeting. First off, the Fed made NO COMMENTS about cuts- in fact they said “they are not talking about cuts right now.” They also left the door open for more hikes! But that’s not what the market heard- yes, I’m a little confused. 🤷‍♂️ If the fed cuts, it does so because of weakness in the economy… This is where it gets even crazier… The stock market is ALSO pricing in 12% earnings growth for S&P 500 companies next year- does that sound like the result of a weak economy!?!? NOOOOOO Stocks are pricing in lower interest rates, which has sent stocks higher, and also meaningful earnings growth… Both of those can’t play out simultaneously… Please make sense of this for me. 👇👇👇 #stocks #sp500 #invest #investing #finance #wallstreet #cfp #cima #marketanalysis #lifegoalnation #lifegoalinvestments #financetok #financetiktok

The Reason Wall Street Chases Stocks Into Year End… CONTEXT: Coming into 2023, the narrative was a recession is coming, and therefore Wall Street Managers began stockpiling cash and NOT BUYING STOCKS. But counter to that narrative, the S&P 500 is up almost 25% this year… THE REASON FOR THE YEAR END RALLY: These Big Wall Steet Institutions have to open their books at Year End and show their holdings to their clients as of 12/31- a snapshot of their portfolio on that date. What they DON’T WANT TO SHOW THEIR CLIENTS, is they have been sitting on cash with the stock market up 25% this year. Therefore, they’re getting rid of that cash position. How do they do that?!?! BUYING STOCKS and forcing prices higher. Does that mean stocks (or better put, companies) deserve a higher price because of how their fundamental business is doing!?! NOOOOOO. And therefore, stocks have a tendency to become OVERVALUED into year end during years where the stock market is up BIG- like this year & 2021. But in 2 weeks, the tide could totally shift, like it did in 2022, when things go back to trading on FUNDAMENTALS. The more you know… DIVERSIFY. And click the link in my bio for help creating a sophisticated portfolio. #wallstreet #stocks #stockmarket #investing #investor #finance #finance101 #economics #marketanalysis #cfp #cima #financetiktok #lifegoalnation#lifegoalnationtments

#elmoreno #cima ❤️

Record amounts of money went into money markets/CDs/High Yield Savings Accounts/Short Term Treasuries this year. Because everyone thought a recession was coming. Guess what, TIMING THE MARKET DOESNT WORK! Instead, DIVERSIFY, in a sophisticated manner. BASICALLY EVERY ASSET CLASS OUTPERFORMED CASH. #finance #investing #investment #stockmarket #highyieldsavings #cds #moneymarkets #treasuries #bonds #alternatives #finance101 #financetiktok #financetok #lifegoalnation #lifegoalinvestments #cfp #cima

Are stocks overvalued!? Yes, at least says the price to earning multiple (and most other metrics). Butttt, valuations are a TERRIBLE timing mechanism- so a crash may not be impending (look at the P/E multiple in late 1999 🤯). Over a 5 year period, when you look at the P/E ration, things become a little more clear. Reality, high Proce to Earnings multiples generally leads to more muted returns in stocks. DIVERSIFY (lots of bonds are paying over 5% right now with a fraction of stock market risk). #stocks #bonds #pricetoearningsratio #cima #cfp #wallstreet #marketanalysis #finance #investing #investor #lifegoalnation #lifegoalinvestments

One of the most common things I hear these days, “Taylor, I’m good getting 5% in a money market.” 🤦🏼‍♂️ Okay, but are you good actually getting sub 3% in a money market!? Death & TAXES… The 2 inevitables in life… Taxes are often overlooked by investors (even by many “professional investors”, unfortunately). People talk about RETURNS all the time- but they never talk about AFTER TAX RETURNS. Here’s how taxes work on Money Markets, CDs, and High Yield Savings Accounts: The income generated by each of these are subject to your FEDERAL INCOME TAX RATE. Beyond that, each state has their own tax system on investments- so make sure you’re aware of your states additional tax. (The exception to this- municipal money market fund, which is not subject to federal tax… but you guessed it, the yields are much lower.) Taxes in Treasury Bonds/Bills: The yield on these avoids State Income tax, but is still subject to Federal income tax. Therefore after taxes, the yields on these products are generally sub 3.5%- then when you account for core inflation currently at 4%… There you go, NEGATIVE PURCHASING POWER. If you don’t understand how your investments are taxed, you’re in a fight with 1 arm tied behind your back. Click the link in my bio if you’re interested in hearing our sophisticated approach, focused on generating AFTER TAX RETURNS. Disclosure: tax rates differs person to person and state to state. Returns aren’t guaranteed when working with LifeGoal. #investing #investor #cds #moneymarkets #treasurybonds #hysa #taxes #tax #finance #cfp #cima #wallstreet #bonds #stocks #stockmarket #lifegoalinvestments #lifegoalnation #financetiktok #financetok

I’m not saying a recession is a certainty… BUT, a Soft Landing is Priced In with stocks at ATH and the fear greed index through the roof with greed. And that’s cool, unless it doesn’t happen. Historically, before recessions, the market convinces itself a “Soft Landing” is going to play out- look at 2000, 2008, etc. “The labor market is so strong, we’re good”- that’s also the constant narrative. The labor market doesn’t weaken until the recession starts… and then it nose dives. No doom and gloom here, just protect yourself in case the elusive soft landing doesn’t play out (like it often hasn’t throughout history). If you need help protecting your portfolio- click the link in my bio. #stocks #stockmarket #recession #softlanding #magnificent7 #economics #finance #finance101 #personalfinance #cima #cfp #marketanalysis #lifegoalnation #lifegoalinvestments

The market continues to hand out lessons. The shock today, wasn’t inflation. It was INCOME. Personal Income +1% just in the month of January. 🤯 And Spending WAS DOWN FOR JANUARY- considerably. Stocks and bonds both up today. What’s sucking wind? CASH- it continues to lag. Stop trying to time the market. Disclosure- cash is a suitable investment for certain circumstances. #stocks #stockmarket #cashistrash #economics #inflation #wages #cfp #cima #personalfinance #finance #finance101 #interestrates #bonds #cds #moneymarket #lifegoalnation #lifegoalinvestments

Pesky & Persistent Inflation. That’s the message from this morning’s CPI Report. It’s fun to listen to the pundits on CNBC talk about how the inflation data is tracking downward, which will allow the Fed to cut… Very hard for me to wrap my head around that narrative when I look at the data. But the market parties on for now. I’m certainly not a bear on everything, BUT I’LL TAKE THE UNDER ON 4 INTEREST RATES TO COME THIS YEAR (unless something comes unglued in a negative way for the economy). What are your thoughts!? #inflation #rates #federalreserve #cpi #mortgagerates #homebuyers #mortgagelender #realestate #interestrates #economics #finance #finance101 #cfp #cima #lifegoalinvestments #lifegoalnation

With Stocks at ATH- go find opportunities. The SHOCKING STAT is at the end of this caption. Or look to someone who’s job it is to do it for you. Emerging Markets (EM) all get grouped together. And when you say EM, people think China. With the brutal headlines around China, even though the fundamentals may not be as bad as the headlines allude, all EM countries and stocks have faced massive headwinds. The baby has been thrown out with the bathwater. An ACTIVE MANAGER has the ability to sift through the wreckage and find where companies are performing well, but have been unjustly beaten up. Like INDIA 🇮🇳, who’s economy grew at 8.4% last quarter. 🚀 For every $1 dollar generated by EM, the market is currently paying LESS THAN HALF what it’s paying for the same $1 of corporate earnings for S&P 500 companies. 🤯 Link in bio if you need help finding oppt’s. Disclosure: emerging markets don’t make sense for all investors. #cfp #cima #valueinvesting #stocks #stockmarket #economics #finance #personalfinance #fundamentals #lifegoalnation #lifegoalinvestments

Why is China Stockpiling Oil⁉️⁉️ First of all, I want to be clear- I’m not saying an invasion of Taiwan is GOING to happen… that would be fear mongering. BUT, this isn’t conspiracy theory and investors need to prepare themselves for EXOGENOUS events that can shock the market. As investors, this is called ‘Tail Risk Management.’ Q: what do you own in your portfolio that will hold up in an event like this⁉️ Let me know. 👇👇 #investing #investor #investingforbeginners #finance #finance101 #oil #china #oilreserves #taiwan #chinataiwan #cfp #cima #stocks #stockmarket #wallstreet #politics #political #financetiktok #financetok #lifegoalnation #lifegoalinvestments

Presentation du CIMA 2023 merci pour la confiance beau papa Mr Sidi Abdallah Sy prrsident du CIMA. #CIMA #BAD #Cnpscoted’ivoire #workingmum

SOFT LANDING = Inflation comes down to the Federal Reserves 2%, without a RECESSION. Stocks are officially pricing in a SOFT LANDING (and that certainly is 1 possible outcome in 2024). But, what happens to stock prices if the soft landing that’s priced in doesn’t come to fruition?!? As for those that own stocks and ‘diversify’ with Money Markets, CDs, High Yield Savings Accounts, etc… THAT’S NOT DIVERSIFICATION. Why? Because those assets DO NOT go up in value when stocks sell off in a recession- they go sideways (and likely their yield actually comes down because the Fed cuts interest rates). DIVERSIFICATION is better served with ASSETS THAT APPRECIATE IN A RECESSION. Link in bio for help structuring a portfolio with a professional touch. Disclosure: returns are certainly not guaranteed anywhere in the market. Just because assets that have historically gone up in value during recessions in the past, doesn’t mean they will this time around. #diversification #consumerism #creditcarddebt #softlanding #recession #cima #cfp #wallstreet #economics #finance #finance101 #stocks #stockmarket #lifegoalnation #lifegoalinvestments

Bonds, the most important investment you’re not using. #bonds #stocks #stockmarket #diversification #diversify #cfp #cima #wallstreet #finance #finance101 #investing #investor #wealth #economics #recession #lifegoalnation #lifegoalinvestments

Are you prepared for Lower Return in Stocks moving forward!?! Vanguard says you should be… Investing is about maximizing RISK ADJUSTED RETURNS. But even if it was just about maximizing returns, Vanguard says most are invested in the wrong places. What are the most widely owned stocks by investors?! Apple, Microsoft, Nvidia, Tesla, etc. What do all of these have in common!? THEY ARE GROWTH STOCKS. What’s the most widely held index? THE S&P 500- extremely GROWTH heavy. Vanguard anticipates GROWTH stocks return 1.2-3.2% per year for the next 10 years. 🤯 Vanguard’s projections, which are founded in data, ARE TELLING YOU TO DIVERSIFY. They are saying bonds are likely to outperform stocks over the next 10 years- WITH ONE THIRD OF THE RISK. They are also saying look internationally. Vanguard is saying, just buying the S&P 500 & tech stocks isn’t going to be the answer moving forward. If you need help INTELLIGENTLY DIVERSIFYING, click the link in my bio. Disclosure: these are vanguard’s projections as of 9/30/2023, not produced by LifeGoal. #stocks #stockmarket #vanguard #marketanalysis #diversification #portfolioconstruction #cfp #cima #wallstreet #finance #investing #investor #lifegoalnation #lifegoalinvestments

9/21- Stocks getting 🔥 today. 📉📉📉 Here’s why… THE FEDERAL RESERVE Yesterday The Fed met and decided to NOT raise interest rates- ACTED LIKE A DOVE. BUTTT, they alluded to future interest rates being higher than what the market was pricing- TALKING LIKE A HAWK. I’ve covered the fact that the market has been consistently pricing in TOO MANY INTEREST RATE CUTS- which is NOT what The Fed has been consistently saying… THEY HAVE BEEN SAYING HIGHER RATES FOR LONGER. Today, the market is taking The Fed more seriously. And stocks are 📉📉📉📉📉. #stocks #stockmarket #interestrates #thefed #financetiktok #financetok #federalreserve #economics #finance #finance101 #investing #investor #investingforbeginners #cfp #cima #lifegoalnation #lifegoalinvestments

Real Assets- an AMAZING INVESTMENT. Social media has you believing the S&P 500 index is the only investment worth making… What about an investment that has outperformed the S&P 500 index over the past 30 year and has done it WITH ZERO NEGATIVE YEAR!?! Say what!?! Call me crazy, but I like higher returns with less risk!🤷‍♂️ This data is all from MorningStar- an incredible reputable source. If you’d like access to this investment and others like it, click the link in my bio and we’ll chat. Disclosure: Past performance is no guarantee of future returns. #sp500 #stocks #stockmarket #cfp #cima #economics #finance101 #finance #personalfinance #investing #financialinfluencer #investor #lifegoalnation #lifegoalinvestments

The Investment that outperforms stocks with ZERO negative years… And demographic trends show us that DEMAND for food, aka the product farmland produces, is increasing, while the SUPPLY will decrease. High demand, with low supply… not a bad equation. For the record, global demographics are very predictable. If you don’t own farmland, why!? Click the link in my bio. Disclosure: farmland may not be appropriate for all investors. #stocks #bonds #farmland #investing #investors #stockmarket #finance #finance101 #cfp #cima #lifegoalnation #lifegoalinvestments

Taxes are incredibly inportant- i dont care what your returns are, i care what your AFTER TAX RETURNS ARE. #taxes #tax #capitalgainstax #taxhacks #cfp #cima #wealthmanagement #invest #investing #investors #finance #finance101 #financetiktok #financetok #lifegoalnation #lifegoalinvestments

What level of investor are you!? Level 1: I can’t tell you the number of times someone has said to me “I own (insert the stock of the day) because it’s a great company.” You know a different way of saying that, “I bought XYZ without knowing a darn thing about their valuation, balance sheet strength, technicals, etc.” Level 2: News flash, owning lots of different stocks, doesn’t mean your diversified. Level 3: TAXES can kill investment returns- I don’t care what your “returns” are, and neither should you. I care what your AFTER TAX RETURNS are. Link in bio for professionally built portfolio by LifeGoal- a FIDUCIARY FIRM. #stocks #stockmarket #diversify #investor #finance #economics #cfp #cima #wallstreet #financetiktok #finance101 #financetok #lifegoalnation #lifegoalinvestments

Stocks have not been acting well over the past month or so. Why—— economic data is WEAKENING. That’s evidenced by the INVERTED YIELD CURVE that just became UN-INVERTED. ⚠️ Most speak about the inverted yield curve causing a recession (or better put, a biproduct of the weakening of an economy)- BUTTTTTT…. As shown in the video, MORE IMPORTANT, is the UN-INVERSION of the yield curve- AND THAT JUST HAPPENED. Financial Gurus- STAND CORRECTED- it’s not the INVERTED YIELD CURVE, it’s the UN-INVERTED YIELD CURVE that directly proceeds a recession. #getsmartereveryday #finance #economics #professor #cfp #cima #personalfinance #recession #marketanalysis #stocks #stockmarket #techstocks #lifegoalnation #lifegoalinvestments

The Federal Reserve is about to cut rates- and it’s a mistake. Let’s look at the financial data… Inflation: moving further away from the Fed’s 2% target (with EVERY recent measurement: CPI, PCE, headline & core) GDP: above average Unemployment: significantly below average Credit Spreads: tightest since the 90s (meaning companies can access debt inexpensively) Income President: policies are stimulative, with the risk of being inflationary (lower taxes = inflationary, tariffs = inflationary) Which of the above FACTS tell a logical person to CUT RATES?! The only plausible explanation I see… DOES THE FED SEE MORE WEAKNESS IN OUR LABOR MARKET THAN WHAT THEY’RE TELLING US?!?! Let me know and hit follow for no BS, daily financial content. #interestrates #mortgagerates #rates #thefed #federalreserve #cfp #cima #economics #finance #stocks #stockmarket #jeromepowell