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The Return of the Roaring 20s

By Lineweaver Financial Group
April 26, 2021 Category: General, Finance, Educational, Commentary

When we think about the roaring 20s, nearly a hundred years ago, we all think of a decade of growth and celebration! And there were really 2 reasons for that: The end of World War One and the end of the Spanish Flu Pandemic. While we dont have the end of a major war, we are starting to see the end of the pandemic on the horizon and getting closer to herd immunity. But is that enough to kick off the roaring 20s for us again? First, lets consider this year so far. We had a solid first quarter: the SP was up 6.2%, the Dow was up 6.8%, and the US lead the world according to the MSCI. Even the Russell 2000 was up 13% in a sign that small caps are recovering. The driver of much of this growth is the growing vaccine numbers- on April 21st, President Biden announced that over 200 million people have received at least one dose of a Covid vaccine. With herd immunity on the horizon, and the likely lifting of restrictions this spring or summer, its no surprise to imagine that a lot of people will

Combating COVID-19 Fraud

By Lineweaver Financial Group
April 06, 2021 Category: General, Economy, Fraud, Educational

In recent months, criminal organizations at both the local and international level have been using the identities of U.S. citizens to open accounts and file fraudulent claims for unemployment benefits, exploiting the unprecedented expansion of these benefits provided in response to economic disruption caused by the COVID-19 pandemic. There are many ways that they are doing this, and the schemes range from targeting Medicare, social media, robocalls, and unemployment insurance. While not all schemes revolve around some form of identity theft, many do. According to Experian, one of the three major credit reporting agencies, here are some telltale signs of identity theft: You no longer get your household bills in the mail. Youve been turned down for a loan or credit card. Youre being billed for items you didnt purchase. Your financial accounts show charges you dont recognize. Your tax return was rejected. Small test charges appear on your credit card statement. Your creditors alert

Anxiety and Inflammation: Is There A Link?

By Lineweaver Financial Group
April 06, 2021 Category: General, Health, Educational

Although evidence is slowly mounting, we have a great deal to learn about the relationship between inflammation and anxiety. Anxiety disorders are common. According to the World Health Organization (WHO), in 2015, an estimated 3.6% of the global population had an anxiety disorder, which is around 264 million people. What is Inflammation? Inflammation is a protective response that helps the body rid itself of the offending stimuli and protect the body. However, if inflammation persists, it can damage the cells and tissues it is designed to protect. Linking Inflammation and Anxiety Although there is now good evidence of links between inflammation and depression, less research has examined the relationship between inflammation and anxiety. Steadily, scientists are building up a body of evidence. Anxiety disorders are characterized by mental distress. However, they may also be associated with an increased risk of coronary heart disease, atherosclerosis, and metabolic disorders. Because

2021 Economic Commentary

By Lineweaver Financial Group
April 06, 2021 Category: General, Finance, Educational, Commentary

Vaccine-led Restart The new nominal theme which flags a more muted response in nominal government bond yields to rising inflation than in the past has played out since last year. Inflation-adjusted yields, or real yields, have fallen further into negative territory as a result. Additional fiscal spending could turbocharge a vaccine-led economic restart later this year one that we believe may exceed market expectations. Activity in many services sectors is already compressed with less room to decline further. Businesses have also adapted to an environment of social distancing, allowing operations to continue. Consensus expectations of the size of the shock have been revised down materially, particularly for the euro area. Vaccine rollouts are likely to stoke a sharper-than-anticipated rebound. A Different Shock We see pent-up demand in contact-intense services rebounding sharply once restrictions lift in the U.S. and euro area as seen in China, and supported by the accumulation in

Low Interest Rates Strategy Tips

By Lineweaver Financial Group
March 29, 2021 Category: General, Economy, Interest Rates, Educational

In the last year, low interest rates have become the norm as the Fed has used them to combat the economic effects of the Coronavirus. This can make it challenging for investments like CDs, your savings accounts even high yield accounts to make enough to outpace inflation. That means that your money is essentially becoming less valuable over time, which gives you less buying power. Lets talk about some strategies you can use in a low interest rate environment. Bonds are really the classic vehicle for generating income. On the downside, they will fluctuate with interest rate moves and have default risk. But they can generate income and serve as a ballast in a portfolio when equity values are volatile. Individual bonds may be difficult to buy, but bond mutual funds and ETFs can offer diversity and make the process easier and more cost efficient. One of the things that you can do is to create a bond ladder so youre investing in bonds that mature at different times or over a certain period.

Tax Tips for Filing in 2021

By Lineweaver Financial Group
March 13, 2021 Category: General, Economy, Tax Planning

As we get into tax season, filing for 2020 is fundamentally different from most tax years, especially in light of Covid and the stimulus packages passed last year. We thought it would be helpful to share a few general tax tips to keep in mind as youre working with your tax advisor. The first thing to consider is the tax stimulus credits.The EIP (Economic Impact Payment, aka stimulus check) is actually a 2020 tax credit that was advanced to taxpayers as part of the Cares Act. Certain qualifications, such as income levels and dependency status, impact the amount the taxpayer may receive. The first round allowed for a maximum of $1200 per qualifying adult and $500 per qualifying dependent child (age16 and under). The second round allowed for $600 per adult and $600 for dependents 16 and under. Another consideration during 2020 tax preparation isthe group of taxpayers caught in in-between taxpayers age 17 and over, usually high school and college children still claimed as dependents

Understanding Cryptocurrency

By Lineweaver Financial Group
February 18, 2021 Category: General

Lets talk about blockchain, which is the concept behind popular Cryptocurrencies like Bitcoin, Ethereum, Cardano, and Litecoin. Blockchain seems complicated, but its core concept is really pretty simple its a type of database. To be able to understand blockchain, it helps to first understand what a database actually is. A database is a collection of information that is stored electronically on a computer system. Information or data in databases is typically structured in table format to allow for easier searching and filtering for specific information. A simple example for most people to visualize is a spreadsheet, like what youd use in Excel. The main difference is that spreadsheets are designed for one or a few people to store and access small amounts of information. By contrast, a database is designed to house huge amounts of information that can be accessed, filtered, and manipulated quickly and easily by any number of users at once. In either case, data is traditionally housed/stored

Look Back 2020 - Look Ahead 2021

By Lineweaver Financial Group
January 20, 2021 Category: Economy, 2021 Outlook, Economic Commentary

What a year - 2020! The market achieved record highs near year-end despite a collection of intertwined seismic events during the period - the worst global pandemic in a century, resulting in profound changes in our way of life, massive reactive policy shifts, presidential election controversy, warp-speed medical innovations, the most rapid materialization of a bear market on record, and among the largest and most rapid market recoveries in history. Yet, with the recent development and distribution of vaccines, accommodative and stimulative policies around the globe, and the likelihood of a divided US government; there looks to be light at the end of the tunnel and the prospects for global economic recovery appear to be on the upswing setting the stage for a constructive and hopefully more normal 2021. While the market ended up for the year, 2020 was marked with intense volatility. Reacting to the most profound health crisis in a century, the year featured the onslaught of the most rapid

HealthWatch

By Lineweaver Financial Group
January 20, 2021 Category: Health, Sleep, Healthy Living

As the new year rolls in, many might be thinking about being a healthier version of themselves. Here are some of the many benefits of having a healthy diet: 1. Heart Health According to the AHA, American Heart Association, half of all adults living in the U.S. have some form of cardiovascular disease. By eating foods that are high in fiber, you can help improve cholesterol and can help reduce the risk of heart disease, stroke, and type 2 diabetes. 2. Better Mood There is evidence to suggest that there is a close relationship between the food we eat and the moods we experience. Some researchers found that diets with a high hypoglycemic load can even trigger increased symptoms of depression. 3. Improved Gut Health A diet that is rich in vegetables, fruits, and whole grains can help the good bacteria thrive in the colon. Eating foods such as yogurt, kimchi, and sauerkraut are rich in probiotics to help promote a healthy colon. 4. Improve Memory A healthy diet can even help you maintain

Economic Commentary Q1 2021

By Lineweaver Financial Group
January 20, 2021 Category: Economy, Economic Outlook, Economic Commentary

We have entered a new investment order. The Covid-19 pandemic has accelerated profoundshifts in how economies and societies operate. We see transformations across sustainability, inequality, geopolitics and macro policy. This is reflected in our 2021 investment themes: The New Nominal, Globalization Rewired, and Turbocharged Transformations. The new investment order is still evolving, and investors will need to adapt. Yet the features are becoming clear, and we believe this calls for a fundamental rethink of portfolio allocations starting now. The New Nominal We see stronger growth and lower real yields ahead as the vaccine-led restart accelerates and central banks limit the rise of nominal yields even as inflation expectations climb. Inflation will have different implications to the past. Strategic implication: We underweight government bonds and see equities supported by falling real rates. Tactical implication: Our low rate outlook keeps us pro-risk. We like U.S. equities and prefer

The Markets Don't Pick Sides

By Lineweaver Financial Group
October 19, 2020 Category: Markets Don\'t Pick Sides, Newsletter

While Covid-19 has largely stolen the headlines this year, we expect an increasing focus on the presidential election as we enter the end of the year. In dealing with extreme uncertainty, we find looking to history can often be the best starting point to understand what comes next. Since 1926, the average annual return of the S P has been about 10%, whereas in presidential election years, the market has historically performed slightly better at just over 11%. During election years where the current President has been re-elected, or a different President from the same party has been elected, the S P 500 averaged growth of 16%. However, when the parties switch, the return averaged just 5%. One of the reasons for this is very simple the fact that markets dislike change or the unknown. But generally, it seems more likely to us that the Presidency switched parties because the economy wasnt particularly strong, rather than the Presidential campaign driving the market. Its good to recall

Economic Commentary 2020Q4

By Lineweaver Financial Group
October 19, 2020 Category: Economic Commentary, 2020Q4, Newsletter

Many positive signals appeared in the quarter. Millions of Americans went to work again; monthly net job growth topped 1.7 million in July and 1.3 million a month later. Unemployment, which had hit 14.7% in April, fell from 10.2% in July to 8.4% in August, and the U-6 rate counting both underemployed and unemployed Americans declined from 16.5% to 14.2%.1,2 Consumer confidence, as measured by the Conference Boards monthly index, leaped to 101.8 in August from 86.3 in July. Households kept up their buyingretail sales were up year-over-year through August even though supplemental unemployment benefits expired at the end of July.1 Industries also grew, according to research from the Institute for Supply Management. When ISMs Monthly Purchasing Manager Index for the manufacturing and services sector surpasses 50, those sectors are judged by ISM to be expanding. ISMs services PMI was at 58.1 in July and 56.9 in August; its manufacturing index reached 54.2 in July (a month that saw a 6.4% rise

HealthWatch 2020Q4

By Lineweaver Financial Group
October 19, 2020 Category: HealthWatch, Newsletter

In light of the coronavirus, many are taking steps to ensure everything they touch is clean and sanitized. This is even more true when it comes to our kitchen, a place where we are constantly handling foods. Its hard to know what products or methods are effective and which ones arent. 1. Gas Stove Its important to make sure you are cleaning your gas stove after every meal with either soap and water or detergent and water. A gas stove is an area in your home that can become a breeding ground for infections over time, if not regularly cleaned. 2. Kitchen Counters and Slabs Many keep their fruits, vegetables, and other ingredients on their counters or slabs before being washed. Its recommended that you keep this area particularly clean with a mixture of salt and lemon water. 3. Fruits and Vegetables When it comes to items we are consuming, we want to be especially sure it has been cleaned properly to lower the risk of contamination. Trying to find a cleaning product for our fruits and vegetables

Cracking the Medicare Code

By Lineweaver Financial Group
October 01, 2020 Category: Medicare, Medicare Supplements, Retirement, General

Open enrollment for Medicare and Medicare Supplements is right around the corner. Medicare programs are notoriously challenging to navigate, but its a crucial decision that most of us will have to make at some point in our lives. The question most people start with is one of eligibility. There are two essential parts to Traditional Medicare, Parts A and B. Part A has to do with hospitalization, and you become eligible on the first of the month for your 65th birthday. If you become eligible for Part A, its recommended to enroll immediately because there is no premium. This remains true even if you are still working and have health insurance through your job. It will get you into the system, and youll start receiving Medicare You. On the other hand, part B has to do with doctor visits and bills, including medically necessary services or preventive care. Its recommended that you enroll with the Social Security office about 2-3 months prior to when youll be looking to receive the full

Market Challenges and the Coming Election

By Lineweaver Financial Group
September 10, 2020 Category: General, Market, Election

Key Points Challenges include elevated virus transmissions, high unemployment levels, the Presidential election and stretched valuation metrics Monetary and fiscal policy combined with vaccine developments are likely to continue to support risk assets 2020: A Historic Year 2020 will be remembered as the year the coronavirus severely tested the basic freedoms and tenets of capitalism in the United States. The virus has proven to be highly efficient in disrupting many of the daily routines we typically take for granted. Like an engine needs clean oil to operate smoothly, the free movement of people, goods, and capital are key lubricants capitalism needs to operate smoothly. The virus is near-perfect friction to this free movement. As we have witnessed, businesses and education systems have difficulty functioning without free movement. Unfortunately, we have also felt the human tragedy the virus has created with nearly 775,000 deaths globally,5 a number that will sadly go higher. For

Q2 and Three Steps to Take

By Lineweaver Financial Group
August 06, 2020 Category: Strategies, Volatile Market, General

The second quarter of 2020 is unlike any other. Weve been in the midst of a global pandemic that led to the stay-at-home mandates that caused a sharp, deep recession and left nearly 20% of Americans unemployed1. In May and early June, after many thought the curve of new coronavirus cases had been successfully flattened, economic reopening occurred across the country. However, within weeks the virus spread and the US entered the July 4th weekend reporting record numbers. With some progress reportedly being made on several treatments and potential vaccines, many people have started pricing risk assets as if the worst of impact from COVID-19 is over. This was before the onset of what many are calling the 2nd wave of new coronavirus cases, causing many to question the pace of any economic recovery. With expectations that the Federal Reserve will do whatever it takes to support the economy and risk assets investor attention has turned to Congress, as the $600 weekly unemployment benefit

Economic Commentary 2020Q3

By Lineweaver Financial Group
July 16, 2020 Category: Economic Commentary, 2020Q3

Summer is here: Making lemonade out of lemons The great poet Ralph Waldo Emerson famously wrote, Do what we can, summer will have its flies. As we head into the summer months, this mood may best describe nervous investors who recently experienced large bouts of market volatility due to the spread of the coronavirus. The SP 500 Index fell 34% from its all-time high reached on February 19 to its low on March 23. While it has recovered since then, we are seeing global economic activity reflects the implementation of mandatory shelter-in-place policies. Simultaneously, extreme moves in the oil market with West Texas Intermediate (WTI) oil futures prices at one point trading in negative territory due to fears of oversupply caused additional distress in markets. Globally, central banks and governments stepped up to provide unprecedented levels of stimulus measures on both the monetary policy and fiscal fronts. We see three investment implications from this stimulus. First, we would like

Economic Outlook

By Lineweaver Financial Group
July 16, 2020 Category: Economic Outlook, Q3, 2020

The second quarter of 2020 was one for the history books. COVID-19 caused a global pandemic that led to deaths in more Americans than the wars of Vietnam, Korea, and the Gulf Wars combined, and led to stay-at-home mandates that caused a sharp, deep recession in Q2 when nearly 20% of Americans were unemployed.1 In May and early June, after many thought the curve of new coronavirus cases had been successfully flattened, economic reopening occurred across the country. Within weeks the virus spread, however, and the US entered the July 4th weekend reporting record numbers of new cases of over 50k/day.1 This is double the rate seen in mid-May with total cases now totaling 2.8m, up from 200k cases at the end of Q1.1 Reopening plans have been rolled back in many states. Generally, the level of uncertainty regarding the virus is growing, not falling. Despite this environment, risk assets enjoyed strong rallies throughout the quarter, leading to discussions of the disconnect between Main Street

HealthWatch: Probiotics

By Lineweaver Financial Group
July 16, 2020 Category: HealthWatch, Probiotics

Are you currently taking probiotics to improve your gut health? New research from the American Gastronenterological Association is showing that it might not be as helpful as we are led to believe. Since researchers started to learn more about our gut bacteria, or microbiome, probiotics have become more popular. Yogurt and dietary supplements contain certain bacteria and yeast, which are organisms found in probiotics. Depending on your location, you can find probiotics sold over the counter or by prescription. Since probiotics are not considered drugs in the United States, they arent regulated in the same way as other pharmaceutical products. This can lead to an increase in misleading information and has acted as a barrier to scientific research when it comes to how helpful probiotics actually are. For example, research has found there isnt enough evidence that suggests the use of probiotics to treat Crohns disease, ulcerative colitis, or IBS. The American Gastronenterological Association

Letter from the President Q3

By Lineweaver Financial Group
July 16, 2020 Category: Letter From The President

One of the many challenges posed by COVID-19 is the end of the year celebrations for new grads. In the Lineweaver household, this has been especially difficult for my eldest daughter Tori, who graduated this year from Miami of Ohio! Kathy, myself, as well as Tyler and Delaney, could not be more proud of Tori and her success. I was lucky enough to have her join me for two of our weekly Financial QuarterbackSM segments, to talk about financial concerns and strategies that all new grads should consider. The first thing Tori and I talked about is that choosing the right benefits is an important first step. Some new graduates might be able to stay on their parents health insurance until the age of 26, which can help save on some of the initial costs. If not, make sure to look over all the options to find the right insurance that fits your needs and budget. Many jobs will also give you options when it comes to life insurance and disability. When youre young something such as disability or life

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