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The Population Bust & Your Portfolio By Fulbright Financial Consulting, PA

If you’re retired or a pre-retiree, you probably remember a time when the world worried about the population explosion. Fears of overpopulation, we were told, would cause global food shortages in the final three decades closing the millennium. Well, that never happened! In fact, you can simply forget everything you ever heard about the coming population explosion! Across the world, nation’s are not challenged by a population boom but by a population bust! The world’s largest economic powers need more people — not less! An essay in the current issue of Foreign Affairs, a magazine published by the Council of Foreign Relations, points out a dramatic demographic shift is reshaping economies across the world. The typical pattern of modern economies is to develop a middle class that urbanizes, grows more educated, and more affluent, and then fertility rates collapse. The worldwide population bust is of more than academic interest. A nation’s demographic character is one of the two factors driving its economic growth. The size of a nation’s working age population multiplied by its rate of productivity determines its growth potential. The working age population in China — the world’s No. 2 economic power — is shrinking. So is the world’s third largest economy, Japan, as well as Germany, all of Europe, India and China.In contrast, growth in the U.S. labor force is expected to stay flat for the next decade, when the echo-boom kicks in and continues through 2049. . For the next generation or two of American, the growth in the working age population could figure prominently in the future of the wealth of the nation. The nation’s underlying demographic character is a strong financial economic fundamental for long-term investors in America but have you ever seen it covered in the financial press? We sponsor this financial advisor news service to provide independent, prudent, professional research for long term investors every week. Please contact us with any questions or to set up a meeting, email us at fulbrightteam@moneyful.com and don't hesitate to share this video with people who might benefit from our work.

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Strategic Asset Allocation For The Long Run By Fulbright Financial Consulting, PA

Tons of government, trade association, and private company sponsored data and research about the economy are released every day. We summarize what you need to know to invest intelligently for the long run in this series of videos every week. Much of the economic research is from independent economist Fritz Meyer. Fritz was the senior investment strategist at one of the world’s largest investment companies for over a decade. In 2009, he went independent — so he has no ties to any financial products, no conflicts of interest in analyzing financial economics.

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Fickle Financial Headlines Brighten By Fulbright Financial Consulting, PA

Last Friday, after the Census Bureau reported that retail sales, which drive 70% of U.S. economic growth, rose four-tenths of 1% in August, headlines abruptly turned positive. The retail data quelled growing concerns reflected in the press about the inversion of the yield curve, the 11-month plunge in manufacturing sector activity, the trade-war with China, and a global economic slowdown hurting the U.S. economy. Retail sales increased by four tenths of 1% in August over July driven by a surge in auto sales. Total retail sales in August were 4.1% higher than in August 2018, which is a strong jump considering the low inflation rate of about 1.8%. For the three-month period from June through August 2019, retail sales were up 3.7% from the same period a year ago, showing momentum slowing only slightly. Stock market volatility increased lately. Independent economist Fritz Meyer says declines of 2% have been occurring nearly once a month. The spate of spikes in volatility started in May 2018, recurred in a 19.8% plunge in December 2018, and two more spikes in fear struck in May and August 2019. All of the spikes in fear came after Federal Reserve pronouncements on interest rate policy and none were related to the U.S.-China trade or other fears in the headlines. Please contact us with any questions or to set up a meeting, and don't hesitate to share this video with people who might benefit from our work.

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A Prudent Perspective On Recent Volatility By Fulbright Financial Consulting, PA

After the yield curve inverted on Wednesday, August 14, financial headlines turned grim. ”Longer-term rates below shorter term rates are a clear signal from bond investors that they think the United States economy is on the downswing, that its future looks worse than its present.” But this widely-held view in the financial press may be relying more on the yield curve than they should. In the past, when the yield curve inverted, it was because investors saw fundamental economic measures slowing down, but that’s not happening now.

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Financial Independence Retire Early Part 2 with Paul Merriman and Ed Fulbright on Mastering Your Money Radio

Part 2 of Do You Want To Retire Early? F.I.R.E. is an acronym. It stands for Financial Independence Retire Early. There's a growing movement of people who are practicing FIRE principles and retiring decades earlier than expected as a result. Smart, often middle-income earners are using a simple formula of high savings rates (50-70% of their incomes) + frugal living (minimalism) + low-cost stock index fund investing (Warren Buffett’s standard investment advice) in order to reach financial independence within short, usually around 10-year periods of time. For obvious reasons, FIRE is sometimes referred to as “the ultimate life hack.” This large and growing community has an ever-increasing cadre of 100+ high-traffic bloggers, most of whom chronicle their FIRE journeys and publish details of their methods, and report their actual personal financial information along the way. It’s a fascinating voyeuristic genre with an alluring punchline: retire early and pursue your true passions! There is more and more journalistic coverage of FIRE. Just search Google News for “early retirement” or “early financial independence” and you’ll find almost daily coverage of this fascinating phenomenon. Joining us for our discussion on Do You Want To Retire Early? is who is calling in from his Seattle Washington WA office . Paul Merriman is a nationally recognized authority on mutual funds, index investing, asset allocation and both buy-and-hold and active management strategies. Now retired from Merriman, the Seattle-based investment advisory firm he founded in 1983, he is dedicated to educating investors, young and old, through weekly articles at Marketwatch.com, and via complimentary eBooks, podcasts, articles, recommendations for mutual funds, ETFs, 401(k) plans and more, at Paulmerriman.com . He has 3 Complimentary Ebooks “First Time Investor: Grow And Protect Your Money,” “101 Investment Decision Guaranteed To Change Your Financial Future,” And “Get Smart Or Get Screwed: How To Select The Best And Get The Most From Your Financial Advisor.” WELCOME BACK TO MASTERING YOUR MONEY, PAUL MERRIMAN

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Financial Independence Retire Early Part 1 with Paul Merriman and Ed Fulbright On Mastering Your Money Radio

Do You Want To Retire Early Part 1? F.I.R.E. is an acronym. It stands for Financial Independence Retire Early. There's a growing movement of people who are practicing FIRE principles and retiring decades earlier than expected as a result. Smart, often middle-income earners are using a simple formula of high savings rates (50-70% of their incomes) + frugal living (minimalism) + low-cost stock index fund investing (Warren Buffett’s standard investment advice) in order to reach financial independence within short, usually around 10-year periods of time. For obvious reasons, FIRE is sometimes referred to as “the ultimate life hack.” This large and growing community has an ever-increasing cadre of 100+ high-traffic bloggers, most of whom chronicle their FIRE journeys and publish details of their methods, and report their actual personal financial information along the way. It’s a fascinating voyeuristic genre with an alluring punchline: retire early and pursue your true passions! There is more and more journalistic coverage of FIRE. Just search Google News for “early retirement” or “early financial independence” and you’ll find almost daily coverage of this fascinating phenomenon. Joining us for our discussion on Do You Want To Retire Early? is who is calling in from his Seattle Washington WA office . Paul Merriman is a nationally recognized authority on mutual funds, index investing, asset allocation and both buy-and-hold and active management strategies. Now retired from Merriman, the Seattle-based investment advisory firm he founded in 1983, he is dedicated to educating investors, young and old, through weekly articles at Marketwatch.com, and via complimentary eBooks, podcasts, articles, recommendations for mutual funds, ETFs, 401(k) plans and more, at Paulmerriman.com . He has 3 Complimentary Ebooks “First Time Investor: Grow And Protect Your Money,” “101 Investment Decision Guaranteed To Change Your Financial Future,” And “Get Smart Or Get Screwed: How To Select The Best And Get The Most From Your Financial Advisor.” WELCOME BACK TO MASTERING YOUR MONEY, PAUL MERRIMAN

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