Tennessee & Arkansas led the nation in percentage employment growth

Arkansas & Tennessee led the nation in percentage employment growth the past 12 months, illustrated below, as the percentage decrease of unemployed workers in each state. The state of Wyoming fared worst in putting its residents back to work.

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Is there any inflation? This morning’s consumer price report came in completely flat for the month of July, meaning the CPI index, a measure of consumer prices neither rose or fell. For the past 12 months inflation has trailed below 1 percent. There are those who would say no inflation is a good thing, while others would argue that it’s bad. For parties interested in diving deeper into the stats, I’ve listed the top 10 items leading and falling in price since July 2015. For job seekers, moving and storage looks like a good business to be in. https://lnkd.in/d2RWyhT

CPI Increases and Decreases 12 mos.

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“Because that’s where the money is.”

If you are looking for a better career or higher wages, go to where the jobs are. In this case, the top ten metropolitan cities with highest employment growth are in Florida, Texas and California. Oh, and two of those three states have zero state income tax. Source: Bureau of Labor Statistics.

Top 10 Metro Growth

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Will Earnings Lift Stock Prices Higher?

There is an old saying on Wall Street that earnings are the lifeblood of the market. Stocks are apt to follow earnings, both up and down. As the chart below illustrates, operating earnings during the dark days of the great recession plummeted to $39.61. This sent the broad market index spiraling downward to 676, its lowest level since 1996. Massive fiscal and monetary policy was implemented to stall and reverse the calamity… http://1db.com/wp-content/uploads/2016/07/mm-072616.pdf

072616 S&P Earnings Actual & Estimates

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The 2009 Secular Bull Market is now up 1,477.31 points, that is, 218% from its “great recession” low.

2009 Bull Market Run

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Happy Birthday, Joe!

Joe Donadio is 1DB’s modern day Yogi Berra.


061716 Joe Donadio

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Happy Birthday, George!

053116 George's Birthday

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Becoming an Entrepreneur – Start with Desire

022816 Start with DesireI started numerous businesses over the past 30 years. Each of these startups was classified as a small business – under 500 employees and less than $7.5 million in revenue. The largest company was 1DB.com, a financial services company, which I started from scratch and grew to $20 million in sales at its peak; it was technically classified as a mid-size company. I am actively working in these businesses today. 1DB was founded in 1995. I also manage a private investment partnership that has been in business since 1997. The question I’m asked most frequently is, “What does it take to build a successful company?” Success means different things to different people. My definition of success is working in the field you enjoy and turning a profit. In the mid-90s, I flew to Dallas to attend a weekend business intensive at the SMU Cox School of Business. The session was held by Professor Jerry White. Professor White shared many insights during that three day event that I still value today. One of his quotes was, “Profit is a survival criteria.” I was 33 years old at the time and hungry for knowledge, know-how and experience. I was open to learning anything that could benefit me, anything that might gain me an edge. Profit as a survival criteria made absolute sense to me. Instinctively, I understood that without profit failure was imminent.
Professor White took me aside at one point because I was the youngest attendee at the event; he felt compelled to share some advice with me. He said, “Entrepreneurs are an entirely different cat!” I asked the Professor what he meant by that analogy. Considering the fact that he was from Texas and quite the story teller, I gathered the meaning, but wondered if there was more to it. He said entrepreneurs are not like everyone else; there is something inside that pushes them. It is an eternal drive that is part of their biological DNA – like a cat. I contemplated the words Jerry shared with me. His message was that creating your own company may be enticing, yet the endeavor could very well be perilous. I left that weekend feeling high from the vast amount of information I’d learned, but low from the uncertainty of going into business for myself.
Attending quality events is a good way to get jump-started. After returning from Dallas, I went back to work full-force picking up where I’d left off. I had a game plan each day. I had to make X number of calls, speak with X number of customers and make X amount of money each week to turn a profit. The hours were long. I arrived at work at 8 a.m. and left each evening after 9 p.m. Monday through Friday; I worked a half-day on Saturday. To me, profit was a numbers game. The more I worked, the greater my chance of closing a sale, i.e. turning a profit.
Looking back on those early days and reflecting on the ventures ahead, I believe that the number one attribute to success is “Desire.” Napoleon Hill, author of Think and Grow Rich, describes it as ‘Definiteness of Purpose.” Clearly understanding the importance of an undertaking – the benefits, joys, opportunities and trials – is the initial step. Building a successful business is a bi-product of one’s learning agility. It requires the ability to be flexible and adaptive. However, it is “Desire” that sets it all in motion.

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Savvy Savings from $5 to $10 per week

Gasoline Icon

#Saving money is a blast! Think about it, for every cent we save on anything – that money can be invested to earn money for us. Today’s saving idea is for #gasoline. Just this morning I compared regular gasoline prices within a 7 mile radius from my office. The prices ranged from $1.79 to $2.39 per gallon or a .60 cent differential per gallon. Which adds up to a $12 saving on a 20 gallon fill-up.

Gas is an expenditure that we can easily save $5 to $10 per week. Investing $10 a week adds up to $520 per year. By investing our weekly gasoline savings of $10 weekly over the course of 20 years at 6% compounded, grows to $21,943.

So how do we get started? I use the GasBuddy.com app. This site shows the cheapest gasoline prices near me. Why pay a higher price when it is unnecessary. The savings are immediate and can add up quickly.

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“There’s gold in them thar hills.”

030716 Gold

Gold is up 20% in 2016, significantly outperforming the stock market. In the alternative asset class space, “gold” has been shining brightly these days. With Central Banks around to globe in hyper-stimulus mode it may make sense to include non-correlated asset classes which can lessen the volatility associated with a densely weighted stock portfolio.


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