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| Shoreline Wealth & Investment Management |
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Newsletter
July 2006 |
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The Stock & Bond Markets -
Rising interest rates around the world have impacted all global stock markets negatively with many investors concerned that inflation will stall or slow the economy. What had been a great first 4 months for the S&P and NASDAQ Indexes was followed by a bad 2 months with both indexes now in negative territory for the year. Defensive stocks (those that tend to be unimpacted by economic cycles like food & beverages, consumer staples and utilities) have been outperforming other industries lately proving, once again, that diversification is key to protecting values in difficult times so they're there to benefit from good ones.
CELEBRATING 26 YEARS
Since 1980, I have been providing financial advice to investors and I'm proud to say that our service and performance (see "Bottom Line" section on the right) continue to be superior to the market and our peers. Thanks for your support.
Real Estate Bubble? -
Sales of new homes rose 4.6% surprising many economists although the median price of homes sold fell about 4.3%. The increase was attributed to incentives offered by home builders including rebates and free upgrades. Meanwhile, sales of existing homes declined which many attribute to a cooling market and a 37% increase in the inventory of homes for sale . Those for sale have been on the market for a lot longer than in the past couple of years. While mortgage rates rose to the highest level in 4 years, applications for mortgages decreased leading many to assume that increasing costs of owning and increasing supply will lead to a soft (better than a hard) landing.
| Selecting an Advisor |
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 Warren Buffet, the most successful investor of the 20th century learned his craft from Benjamin Graham, author of several books including the legendary "Intelligent Investor." This has been recently updated by Jason Zweig who includes 16 key questions to ask your advisor and 11 an advisor might ask...
Read on... »
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| Understanding Bond Investing |
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 Bonds were the number one asset category in 2000, 2001 and 2002. This was due to a "flight to quality" from stocks as the dot-com boom crumbled as well as interest rates declining to the lowest level in 45 years. While rates jumped in the past two years and further increases in rates seem likely. Still, bonds do pay a 300% premium to just leaving excess cash in money market accounts or CDs.
Full Story »
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| Offshore Trusts: Disinheriting Uncle Sam |
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 As a well-established asset protection strategy, "offshore" trusts provide protection for your assets and may also be the right vehicle to use to diversify your portfolio by investing internationally.
Learn More »
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| Looking for a Speaker for Your Event? |
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 Shoreline Wealth & Investment Management has given presentations to Fortune 500 companies as well as many local groups and organizations. If you are looking for a professional presentation on topics ranging from investments to estate taxes to business or tax law, please contact us
Click here for more details »
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| The Bottom Line |
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| This is where we provide the performance of our conservative, moderate and aggressive portfolios and compare these to the S&P 500 and NASDAQ Indexes. While they are an important consideration, performance is only a portion of the evaluation investors should consider when evaluating investment management. Other considerations include the risk taken to generate the returns, the quality of the service, the reasonableness of the fees and, more important now than ever, the integrity of the investment manager.
Find out more.... |
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email: cbloom@cfiemail.com
voice: 805.886.3624
web: http://www.swimllc.com/
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Shoreline Wealth & Investment Management · 3905 State Street Suite 7173 · Santa Barbara · CA · 93105
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