Carden Capital Insights

29
Sep

Hasta La Vista, Baby!

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    Do you remember the thrill of pitting man versus machine in the Terminator?  The narrative suggests the humans ultimately win the epic battle. In the real world, however, Sarah Connor would have been toast. The battle has long been won by machines. The resulting possibilities are far reaching and for the most part […]

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22
Sep

The Investment Industry: A Basket of Deplorables?

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The Investment Industry: A Basket of Deplorables? Knowledge Arbitrage: Works Against You Incentives need to be aligned. Does your advisor make money when you trade? Egregious Examples of Customer Betrayal Churn and Burn at Dean Witter Private Securities: 10% commission high enough? High Cost S&P 500 Mutual Funds: Why do they exist? Make Sure You […]

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16
Sep

How Do You Know Whom You Should Trust? Here are Four Criteria to Find Out.

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  Trust is the key to all successful human relationships.  In our lives we have to trust others.  From the moment we are born, we are hard wired to trust others because without their help, we would never make it.  At some point in our lives, however, we regrettably learn that we can’t trust everyone.  […]

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01
Sep

Benjamin Franklin Was Right

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“An ounce of prevention is worth a pound of cure.”  ~Benjamin Franklin     Most people are reactive, not proactive.  Most people won’t worry about their health until something starts to go wrong.  Most people won’t work on their marriages until they start to crumble.  Most people won’t think about their cars until they malfunction.  […]

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24
Aug

HiddenLevers Stress Test

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In case you are curious what a stress test by the independent firm HiddenLevers looks like, we ran our Smart Wealth Aggressive Index against its benchmark, the S&P 500 Index. To view the sample stress test, click here.          

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18
Aug

Guess What Netflix is Telling Us About the Real Estate Market

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When the general public becomes fascinated with an investment subject, it is usually a great indication that a bull market is nearing its end. Netflix viewership provides some very poignant insights into the real estate market in the United States.   Carden Capital spent the last two weeks meeting with current and potential clients in […]

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05
Aug

Hope Is Not An Investment Strategy

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The Greek philosopher Aristotle (384–322 BC) famously proclaimed “Hope is a waking dream.” Perhaps wisely so, he did not specify what sort of dream. Nightmare is the likely outcome when misplaced hope in flawed investment concepts is all there is to the foundation of future financial goals.   The traditional model of generating investment returns and […]

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28
Jul

Sir Isaac Newton’s Biggest Mistake

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“I can calculate the movement of stars, but not the madness of men.” ~ Sir Isaac Newton (after losing a fortune in a stock bubble)   Sir Isaac Newton (1643 – 1727) is famous for his discovery of the laws of gravity and motion.  He is less well known for losing a fortune in the […]

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21
Jul

Don’t Insult Warren Buffett

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Warren Buffett has been instructing investors for decades to buy low and sell high. Yet the vast majority of investors across the globe tend to do the opposite, and that is unlikely to ever change. Although it appears irrational to buy high and sell low, there is a very logical explanation for this irrationality: herd behavior. After […]

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14
Jul

Stupidity versus the Universe – Round 1

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Our favorite German Nobel laureate Albert Einstein once remarked, “Two things are infinite: the universe and human stupidity; and I’m not sure about the universe.”  While bond markets have been pricing Armageddon, stock markets have been on a tear, celebrating new all-time highs.  What are we to make of this and what, if anything, should […]

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