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Category: Newsletter

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

Q4 2018: Economic Commentary

By Lineweaver Financial Group
October 15, 2018 Category: Economic Commentary, Newsletter

Global financial markets posted mixed results during the third quarter of 2018 as investors balanced heightened trade tensions globally with strong earnings, a solid labor market and healthy economic growth here in the U.S. We present a few highlights from the 3Q18 below: Despite heightened geopolitical rhetoric, the S and P 500, the Dow Jones Industrial Average and the technology-heavy Nasdaq Composite continued to trade near record highs amid solid economic data and strong corporate earnings. On the economic front, the Federal Reserve held interest rates steady at a range of 1.75% to 2%. However, meeting minutes released from the Feds early August session indicated a rate hike was likely when the Fed meets September 25th-26th. Developed international equity markets produced mixed results during the third quarter with those in the Pacific ex-Japan region generally lagging those in Europe. On the political front, the resignation of Brexit secretary David Davis renewed fears of the potential

HealthWatch: What Are Screens Doing to Our Eyes and Our Ability to See?

By Lineweaver Financial Group
July 06, 2018 Category: Healthwatch, Screens, Eye Strain, Newsletter

In todays society, if youre not sleeping, chances are youre looking at some type of screen. Whether its a computer monitor, a television, a handheld tablet, a GPS or our smartphones, we spend 10-14 hours a day staring at a screen. Many of us are familiar with the problems this can cause, such as headaches, dry eyes, eye muscle strain, and even blurred visionbut few of us know what can be done to correct it. The easiest thing to do would be to avoid screens as much as possible. However, for those of us who use our cellphones and computers every day for work, its impossible to avoid screen-time. So what are our options? One option is to adjust the brightness on your screen. Dr. Joshua Dunaief, a professor of ophthalmology at the University of Pennsylvanias Perelman School of Medicine also recommends shifting your screens color scheme away from blue and toward the yellow end of the spectrum. While some research has linked too much blue light exposure at night to insomnia, even daytime exposure

Q3 Letter from the President

By Lineweaver Financial Group
July 10, 2017 Category: Letter From The President, LFG, Newsletter, 2017

One of my favorite things about summers past, especially when the kids were young, was a tradition that my father-in-law started. At the beginning of each summer, hed take pictures of the kids on vacation, having fun, or just lounging around at home. At the end of the summer, hed make a little book out of it and give it to Kathy and me. I still have all those books! These are a few of my favorites of us as a family. I hope that you and your family have something fun planned this summer, and that youll take the time to make (and capture) a few memories of your own!

The Year in Review: 2016 Market Summary

By Lineweaver Financial Group
January 12, 2017 Category: 1st Quarter, Newsletter, Market Review, 2016 Market, Market Update

Its difficult to predict the market over the short term, and 2016 has proven that point. Here are a few things that surprised the markets this year. Interest rates remain mainly unchanged for the year. In December 2015 the Fed increased interest rates for the first time in 9 years, and indicated plans to raise rates slowly in 2016. Due to concerns about less than robust economic growth, rates have remained at historic lows. Only post-election have interest rate sensitive sectors moved in response to anticipated rate increases in 2017. Late year rising bond yields during the quarter resulted in outright declines in bond-proxy sectors, such as utilities, staples, and real estate. In 2015 the China stock market declined, setting off global market declines and a return to volatility, but by late year that was all behind us or so we thought. 2016 started with another steep sell-off in the Chinese stock market which in turn caused global markets to sell off. World markets also tumbled after

Letter From the President: Winter 2017

By Lineweaver Financial Group
January 12, 2017 Category: Letter From The President, LFG, Newsletter, 2017

For a lot of people, 2016 was a challenging year. Following a year of contentious rhetoric on the primary campaign trail, the presidential election was perhaps even more divisive. We lost music icons Prince, David Bowie, and Leonard Cohen. Even Brad and Angelina - the epitome of the Hollywood love story gone right - announced that they would part ways. For a lot of people, 2016 was a challenging year. Following a year of contentious rhetoric on the primary campaign trail, the presidential election was perhaps even more divisive. We lost music icons Prince, David Bowie, and Leonard Cohen. Even Brad and Angelina - the epitome of the Hollywood love story gone right - announced that they would part ways. On a personal note, time is flying for the Lineweaver family. We sent our oldest daughter off to college at the Farmers School of Business at Miami of Ohio. She is actively pursuing a finance degree (I cant imagine where she came up with that idea) with a minor in entrepreneurship. She made

Economic Commentary: Winter 2017

By Lineweaver Financial Group
January 12, 2017 Category: Economic Commentary, Winter 2017, Newsletter, Lineweaver

In many ways, 2016 has proven to be predictably unpredictable as highly covered events and predictions have not met up with outcomes (a few examples: Growth concerns in China, Fed uncertainty, Global slowdown fears, and Brexit). Q4 proved to be no different with the surprise election outcome of President-elect Donald Trump, and continued shifts in the political landscape abroad. Optimism about the incoming administrations plans for fiscal stimulus through reduced taxes and increased infrastructure spending, along with a move toward deregulation in the financial industry, seemed to drive sentiment for Q4. This positive sentiment was the primary driver of outperformance in the financial and industrial sectors, the expectation of nationalistic trade policies weighed on EM Equities, while positive sentiment surrounding U.S. equities drove investors out of Treasury and into U.S. equities, sending the yield on the 10-year Treasury Note to 2.37%. Some key highlights over the quarter: According

Healthwatch: Winter 2017

By Lineweaver Financial Group
January 12, 2017 Category: Healthwatch, Lineweaver, Newsletter

In a Japanese study that examined how to make the most of a nap, people who took a coffee napconsuming about 200 milligrams of caffeine (the amount in one to two cups of coffee) and then immediately taking a 20-minute restfelt more alert and performed better on computer tests than those who only took a nap. Why does this work? A 20-minute nap ends just as the caffeine kicks in and clears the brain of a molecule called adenosine, maximizing alertness. Adenosine is a by-product of wakefulness and activity, says Allen Towfigh, MD, medical director of New York Neurology Sleep Medicine. As adenosine levels increase, we become more fatigued. Napping clears out the adenosine and, when combined with caffeine, an adenosine-blocker, further reduces its effects and amplifies the effects of the nap. To read the full article, please go to Health.com.

Letter From the President - Fall 2016

By Lineweaver Financial Group
October 11, 2016 Category: Letter From The President, LFG, Newsletter, 2016

The Department of Labor has new rules which go into effect in April, 2017. The Fiduciary Rule requires retirement advisors to adhere to a fiduciary standard, putting the best interests of their clients first rather than their own. The new rule expands the types of retirement investment advice covered by fiduciary rules to include IRAs for the first time Previously brokers and advisors were held to a less rigid standard, and could recommend products that put their own profits ahead of the best interests of their clients. The revised Fiduciary Rule will require retirement brokers to be more accountable for the advice they provide to their clients, making sustainable retirement income more likely for many retirees. The important point is that as a fiduciary, we are required to act in the best interest of our clients. This means that any advice and recommendations must be driven by what is best for you and cannot be influenced by any other considerations. The fiduciary standard also requires

Economic Commentary - Fall 2016

By Lineweaver Financial Group
October 11, 2016 Category: Economic Commentary, Fall 2016, Newsletter, Lineweaver

For many, the end-of-summer months of July, August and September brings warmer weather, vacation and time with family. At the end of Q3, investors were treated to some calm as light trading activity was met with modest gains across stocks and the Fed decided not to change rates on September 22nd. Despite volatility through the first half of the year, Q3 brought much needed positive economic data, job growth and increases to investor sentiment. Some key highlights over the quarter: Investors were encouraged by a solid upturn in US housing construction, driven in part by continued improvement in the job market. Late in the month, the US Commerce Department announced that new home sales had surged 12.4% in July and reached a nine-year high. International stocks rose during the quarter, as investors shifted towards equities given the low interest rate environment. Global financials, though, rallied during the month as uncertainty around Brexit eased and bank share prices began to rebound

2016 Tax Planning and Updates

By Lineweaver Financial Group
October 11, 2016 Category: Tax Planning, Newsletter, Q3, Lineweaver

There are some proven tax planning tips that can be applied each and every year. They are highly effective and proven to minimize your tax bill. Here is a brief highlight of the tax planning maneuvers you should be considering for 2016: 1)Defer Income: Income is taxed in the year it is received. Consider deferring year-end bonuses from employers to 2017 if that income will place you in a higher tax bracket in 2016. If you are self-employed, you may consider delaying billings until late December so that the payments are not received until 2017. Also consider accelerating income into 2016 if you will be in a lower tax bracket in the current tax year. 2)Charitable Deductions: You may wish to consider donating appreciated property (stocks or property) in lieu of cash. You achieve the double tax benefit of deducting the contributed asset at Fair Market Value and avoiding paying the capital gains tax on the built-up appreciation. 3)HSA: Consider setting up and contributing to a Health Savings

Healthwatch

By Lineweaver Financial Group
October 11, 2016 Category: Healthwatch, Lineweaver, Newsletter

New Brain Training Technique Used at the Olympics This years summer Olympics in Rio gave way to a brand new form of fitness. Halo Sport, a set of headphones designed to stimulate the brains motor cortex, was used by several of the athletes who competed in this years games. The company behind this invention, Halo Neuroscience, compare it to the way good nutrition supports a healthy body and strong muscles. Click the link below to see the full article, as well as a video of the Olympic athletes who used it and their reactions. http://www.labroots.com/trending/neuroscience/3905/brain-training-olympics

Avoiding Phishing Scams

By Lineweaver Financial Group
July 11, 2016 Category: Newsletter

Did you know, according to the Radicati Group, a technology market research firm, the average person sends and receives over 100 emails per day? We use email more and more each day for coupon codes to our favorite stores and restaurant reservations--as well as the transmittal of sensitive information, such as banking and credit card information. If youre not careful with your email, you could fall prey to phishing scams. Phishing scams are attempts to acquire sensitive information, such as usernames, passwords, credit card details, social security numbers, bank account numbers, etc. Those behind the scams design fake websites with the look and feel of legitimate websites in an attempt to lure you to input your information. If you receive an email that asks you for personal information from a source that should already have that information, the best thing you can do is NOT click on any links and call the company the email appears to be from. Dont use any numbers provided in the questionable

Brexit and It's Impact on You

By Lineweaver Financial Group
July 11, 2016 Category: Newsletter, Brexit Update

One thing we have all learned is that the markets do not like uncertainty. While we think the impact of Brexit for U.S. investors is negligible, the uncertainty surrounding Brexit could be with us for a while. Brexit is more of a political event than economic centered around dissatisfaction with EU imposed immigration policies. Economic effect will be limited here. U.S. stocks are driven by domestic economic outlook and corporate earnings. Globalization has helped our economy grow; in reality our economy is more closely linked to domestic growth vs. global growth. Consumer spending is the biggest driver of our economy, rounded out by government spending and private investment, leaving only a small share to net exports. This is in sharp contrast to other economies. Our thought is that there will not be more damage to U.S. stock prices than has already been done, and that has already fully reversed. We do expect greater weakness in European stocks. U.S. bond yields are down even further

Letter from the President- Summer 2016

By Lineweaver Financial Group
July 11, 2016 Category: Newsletter, Letter From The President

Remember the old adage no news is good news? I find myself turning off the radio and TV sometimes because there is too much news, and unfortunately the media seems fixated on reporting the sad and tragic events in our society with little mention of the good around us. One of the most memorable stories I heard come out during the presidential nomination campaigns was of a kindergarten teacher. She commented that what she tries to teach her kindergartners is exactly the opposite she sees coming from the candidates. Sad but true. If you think rhetoric of presidential election has been harsh just wait. Things will probably get worse as the party conventions close and the election gets closer. In my opinion it is unnecessary and only adds to concerns about the market and the economy moving forward. Dont be surprised if the market volatility increases as the rhetoric heats up. We think the volatility will pass will pass in time. You may not like either candidate, but try and remain positive

Gifts Could Expose Children or Grandchildren to the Kiddie Tax

By Lineweaver Financial Group
July 11, 2016 Category: Newsletter, Tax, Gifting

We are all familiar with the rules about gifting to children and grandchildren- the $14,000 per person per recipient annual limits, but often overlooked are other potential consequences. Accumulated gift can expose kids to the kiddie tax. Congress enacted the kiddie tax in 1986 to prevent people from putting assets in their childrens names to avoid taxes, as children often have far lower tax rates than their parents. Under the rules, a childs unearned investment income, such as dividends, interest, and capital gains above $2,100 in 2016 is taxed at the parents top rate. So if the parents dividends are taxable at 23.8%, the childs dividends are as well, even if the childs rate would otherwise be 0%. Originally the kiddie tax applied to children under age 14. Over time lawmakers have expanded it to cover virtually all children under 19 and many who are older, including full-time students up to age 24 if they can be claimed as dependents on a parents return. Under the rules, the first

Economic Commentary- Summer 2016

By Lineweaver Financial Group
July 11, 2016 Category: Newsletter, Economic Commentary

As Q2 comes to a close, the SP 500 continued its positive momentum from Q1, posting a +1.8% gain in May. Despite global flare-ups, the US economy continues to grow and investors were pleased with signs of resilience as most asset classes were able to post positive returns over the period. Some key highlights over the quarter: - As the U.S. approaches full employment, it is no surprise that the pace of jobs growth is slowing. Wages have also been rising, which should help consumer spending. Should productivity levels improve, this would have a positive effect on wages and corporate profits. - U.S. stocks reached a 10-month high in June as the Federal Reserve decided not to raise rates at this time. - International stocks slipped into negative territory in May, ending a rally that began in late February. The Eurozone, Asia, and emerging markets, as measured by MSCI indexes, declined amid weak metals prices, lower manufacturing output, and a slumping energy sector due to oversupply and

LFG Service Day at the Greater Cleveland Foodbank

By Lineweaver Financial Group
April 11, 2016 Category: Service Day, Harvest For Hunger, Newsletter

As many of you know, LFG collects canned goods for the Harvest for Hunger campaign. Thanks to our many generous clients, so far during the 2015-2016 campaign LFG has donated over 7,100 meals to the hungry in our community, between food and monetary donations! In addition to our ongoing support of Harvest for Hunger, the LFG team recently spent a morning volunteering at the Greater Cleveland Foodbank. Our first task was to pack weekend bags for children who are on the free and reduced lunch program throughout the area. These bags included cereal, graham crackers, fruit pouches, peanut butter and jelly, mac and cheese, milk, and apple juice. These bags are given to the children on Fridays after school to help supplement their food over the weekend. Our next project was to take 800 pound bags of corn flakes and scoop them into 2 pound portions. Not only did we get through one of these bags- we got through five! We had a great morning working together as a team to help serve our community

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