28 11, 2015

KOM Financial Blog – Are you Saving from your Harvest?

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By: Jack Strada – KOM Financial Planning

The story of the first Thanksgiving is one of giving thanks for a bountiful harvest. The early settlers from England were grateful because they had saved enough food to ensure they would survive the winter. Nowadays, we don’t have to worry about where our food will come from over the winter. Nonetheless, we should be setting enough savings aside to ensure we will live comfortably in the ‘winter’ years of our lives.

Assuming you are saving diligently, the next question is – where should I put my money? I recommend that everyone should have some of their investments in the stock market as this is almost guaranteed to grow faster than inflation over the long-term. If you are putting money into the stock market, the next question becomes – which market? There are a multitude of choices, and in this blog I will touch on some ‘facts and fictions’ of value investing.

Value investing has been around a long time. Warren Buffett, inspired by the late Benjamin Graham, has been a lifetime proponent of value investing. From a recent paper from AQR Capital: Fact, Fiction, and Value Investing, I provide the following summary:

Fiction: Value investing is only effective in actively managed portfolios – the Buffett approach.
Fact: The existence of the value premium is a well established fact as evidenced in 87 years of US equity data, and data from some 40 other countries. Applying a value strategy to a diversified portfolio may be done with readily available mutual funds.

Fiction: Value investing works best as a standalone strategy.
Fact: Value investing works best when combined with other strategies, in particular, momentum investing.

Fiction: Value investing works equally well for all classes [...]

15 11, 2015

Join The Ride California – Friends of the WCA

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12 11, 2015

KOM Financial Blog – Are You Type E?

By |November 12th, 2015|Financial Planning, News|Comments Off on KOM Financial Blog – Are You Type E?|

By: Jack Strada – KOM Financial Planning

I was recently in the US enjoying the UCI Road World Championships (more on that in a future blog) and took notice of a new ad campaign by E*Trade. Let me first say that E*Trade has been a fantastic development for individuals that want to grow their net worth. I am old enough to remember the days before online brokers and trading costs were much higher than they are today. So low-cost platforms have enabled more and more people to become investors, and that is a good thing. The flip side of this ease and low cost is that people may tend to become too active and trade too much.

This advertisement implies individuals can spot opportunities and profit from this. First, let’s look at a few facts: In 2014, the average business day saw 60 Million equity trades take place with a total of $302 Billion of value changing hands. The majority of these trades were executed by experts with deep knowledge of the business’s they are buying and selling. In my view, it is unlikely an individual walking down the street will spot an opportunity that has not already been identified, and profited from, by a professional analyst. In addition, the more an individual trades, the higher their trading costs will be. Every time you add costs to your portfolio, the better your portfolio must perform to overcome these costs. So please think twice before acting on impulses, and do seek advice on your investments.

For the individual, I recommend to focus on what you can control: staying disciplined, diversifying, keeping your costs under control, and letting markets work for you.

For a free risk Risk Tolerance [...]

12 11, 2015

November WCA Nutrition Blog

By |November 12th, 2015|News, Nutrition|Comments Off on November WCA Nutrition Blog|

The Incredible, Edible Egg!

People have many beliefs about eggs. Some think they are bad for you and will raise your blood cholesterol levels, whilst others think they are a meatless superfood. Here’s the facts about eggs, and how they can be a part of a healthy athlete’s diet…

Eggs are protein packed- an average sized egg contains ~7 grams protein per egg. This little package comes as a complete protein source, which means they contain all the essential amino acids your body needs to use for muscle and tissue recovery, adaptation, and growth. This makes eggs a fantastic choice for a vegetarian diet where most plant-based proteins are incomplete.

Eggs contain ~5-7 grams of fat per 80-90 Calories, which mainly comes as unsaturated fatty acids. This small amount of fat is ideal for absorbing the fat-soluble vitamins eggs contain in their yolks. The egg yolk contains vitamin D (a fat-soluble vitamin), which is essential for absorbing calcium which is primarily used for building and maintaining healthy bones. Vitamin D also blocks the release of parathyroid hormone which acts to resorb bone tissue, making them brittle and weak. Research indicates this essential vitamin also plays a role with muscle function and the immune system. The egg yolk also contains vitamin B12, which is needed for keeping a healthy metabolic and nervous system. Vitamin B12 is an essential vitamin needed to live, but is limited in a plant-based vegetarian and vegan diet. Eggs are a great solution obtain vitamin B12 rather than relying on supplements. Eggs do contain a small amount of cholesterol, which can contribute to high cholesterol levels when eaten with other foods that are [...]

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