Episodes

  • 40. Preparing for Rate Cuts: What are Bond Funds?
    Jun 14 2024
    What Is The Bond Market and What Are Bond ETFs? CPI is “cooling off” which means inflation is trending closer to the Fed’s target, which means a rate cut MAY be in our future! What does that mean? Well if the Fed, you know, good ol "Papa Powell" who we keep talking about, well if they actually go through with cutting rates this is what happens. Interest rates for things like home loans get lower, but that means those high yield savings account rates also get lower. So where do you stash your cash and still get those great returns? Bonds. More specifically, we're looking at Bond ETFs. We've talked about different types of low risk investing on Ep. 31 about Brokerage CDs but we want y'all to know about all the ways you can make your money make money! Side Note Check out Jessica Inskip's most recent appearance on the ⁠Schwab Network Episode⁠ where her worlds collide. The Bond Market Ok, so apparently there is not only a stock market, but also a Bond market. Where do we begin? Need our listeners to know a few things: You cannot time market, but you can prepare We are not financial advisors, investing is personal. This is not that. We are here for educational and information purposes only. OK, let’s talk about what happened, and define the SEP - series of economic projections. Most recent: https://www.federalreserve.gov/monetarypolicy/files/fomcprojtabl20240612.pdf Different ways to lock in rates: CDs Treasurys Municipal Bonds Corporate Bonds Bond Funds https://www.ishares.com/us/strategies/bond-etfs/build-better-bond-ladders Ratings Guide: https://www.fidelity.com/learning-center/investment-products/fixed-income-bonds/bond-ratings#:~:text=Investment%20grade%20and%20high%20yield,rated%20Ba1%2FBB%2B%20and%20lower. Still Have More Questions or a Comment? 🙋🏾‍♀️🙋🏻🙋🏼‍♀️🙋🏽‍♂️🙋Holla @ us on: ⁠Market MakeHer ⁠⁠website⁠⁠⁠ Subscribe to Our Newsletter Instagram⁠ ⁠⁠@marketmakeherpodcast⁠⁠⁠ TikTok⁠ ⁠⁠@marketmakeher⁠⁠⁠ X/Twitter⁠ ⁠⁠@MarketMakeHer⁠⁠⁠ Join the Money Coven⁠ ⁠⁠FB Community⁠⁠⁠ 👀 Watch us in action on our⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀 About Us 🌚🌞Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our ⁠website⁠! Important Disclosures: Market MakeHer podcast is unsponsored at the time of recording. Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities. Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions. --- Support this podcast: https://podcasters.spotify.com/pod/show/market-makeher/support
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    28 mins
  • 39. What is a Stock Split? (looking at the Nvidia stock split 👀)
    Jun 7 2024

    Happy Fin-Friday! The Nvidia stock is now one of the big 3 in the S&P 500. We've talked about Nvidia earnings and how much the stock price has soared just this year. Now they have announced a stock split and a dividend increase from $0.04 per share to $0.10 per share. Let's demystify stock splitting. 🔮

    🍰 What Is A Stock Split?

    A type of corporate action that changes the cost of a stock.

    • Forward split - When a company increases the outstanding shares by issuing new shares to split up the value of each new share. NVDA did a 10 for 1 split (ie - if the stock is $1000 per share it is now $100 per share and everything rebalances everywhere), but companies can also do a 2 for 1, 3 for 1, etc. Say you had a sheet cake cut into 10 squares, but there are more people who want their own piece of cake, so you cut each piece in half and now there are 20 pieces of cake.
    • Reverse split - It's the opposite, companies do this to increase the stock price (for example, if the stock price falls below $1)

    Why Is Nvidia splitting their stock?

    According to their 2024 Stock Split FAQ the stock split is intended to make stock ownership more accessible to employees and investors.

    Investor Relations

    You can look at the investor relations for any company on their website to see the history of things like how many times they have done a stock split (for example, Nvidia has split their stock 6 times now).

    Let us know your questions around stock splitting or any other investing topic. And as always, keep learning, keep earning, and keep breaking barriers!

    xoxo,

    Fin-Mom & Fin-Auntie

    Still Have More Questions or a Comment?

    🙋🏾‍♀️🙋🏻🙋🏼‍♀️🙋🏽‍♂️🙋Holla @ us on:

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    Join the Money Coven⁠ ⁠⁠FB Community⁠⁠⁠

    👀 Watch us in action on our⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀

    About Us 🌚🌞

    Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our ⁠website⁠!

    Important Disclosures:

    Market MakeHer podcast is unsponsored at the time of recording. Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.

    Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.


    --- Support this podcast: https://podcasters.spotify.com/pod/show/market-makeher/support
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    28 mins
  • 38. What is a Short Squeeze? (Talking About Meme Stocks, Hedge Funds & Market Mechanics)
    May 31 2024

    Finally, short squeeze and gamma squeeze make sense! (Did you know gamma squeeze was a thing?)

    Also, Roaring Kitty is out of hiding, remember that whole GameStop stonks thing that happened? Well apparently it's happening again with another memestock (super high risk, y'all).

    We also learn about hedge funds, meme stocks, market makers and the roles played in making money off shorting stocks (or squeezing out the shorters). Check out our episode on Dark Pools for more background. We also very briefly discuss Options!

    Hedge funds are regulated and here's the link we mentioned for that: https://www.sec.gov/files/ib_hedgefunds.pdf

    The Takeaway:

    Shorting a stock is super risky. You're gambling on the failure of a company, essentially, and this tends to happen in hedge funds. A short squeeze is an event that happens when the people who are shorting stock shares have to cover the cost of the shorted stock because now the price is going up due to unforeseen demand (people suddenly buying it) and getting squeezed out of that position. It's like we always say, investing involves risk. ;)

    Still Have More Questions or a Comment?

    🙋🏾‍♀️🙋🏻🙋🏼‍♀️🙋🏽‍♂️🙋Holla @ us on:

    ⁠Market MakeHer ⁠⁠website⁠⁠⁠

    Subscribe to Our Newsletter

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    X/Twitter⁠ ⁠⁠@MarketMakeHer⁠⁠⁠

    Join the Money Coven⁠ ⁠⁠FB Community⁠⁠⁠

    👀 Watch us in action on our⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀

    About Us 🌚🌞

    Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our ⁠website⁠!

    Important Disclosures:

    Market MakeHer podcast is unsponsored at the time of recording.

    Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.

    Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.



    --- Support this podcast: https://podcasters.spotify.com/pod/show/market-makeher/support
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    35 mins
  • 37. Finding AI Stock Investing Ideas with Jacey Saige
    May 24 2024

    This week we are joined by Jacey Saige, a Gen Z financial literacy advocate who wants to discuss how to find AI opportunities and stock market impacts. Jacey is filling in for our beloved Jessie DeNuit - do not fret she will be back next week!

    AI is an important narrative to sustain this bull market. The S&P 500 is about 30% driven by technology. 5% is NVDA. Which means the AI narrative matters because of how we define the market. NVDA is about duration and demand pull for AI. NVDA reports after the hyperscalers: (GOOGL, META, AMZN, MSFT).

    There is a new emerging AI headwind: Grid pressure. AI is using a lot of power, every new iteration of NVDA becomes more efficient, the issue arises as demand is growing at an astronomical rate. Grid pressure is a byproduct of compute growth. The opportunity: power providers that can bring to market faster, or alternative, like nuclear power, quickly and at better margins.

    Meet Jacey Saige!

    Jacey got her first taste of entrepreneurship at 16yrs old, she amassed 30k followers on Instagram and TikTok through sharing her art. Transitioning seamlessly from showcasing her creativity to managing social media, she honed her skills as a freelance manager and created her first business. Now, as she delves into the world of finance, Jacey's journey has taken an exciting new turn.

    Pursuing a degree in finance, Jacey shares her insights and discoveries on TikTok @jacey_saige, demystifying investing and empowering her audience to take control of their financial futures. She brings a fresh perspective to the often intimidating world of finance, making it accessible to all.

    Still Have More Questions or a Comment?

    🙋🏾‍♀️🙋🏻🙋🏼‍♀️🙋🏽‍♂️🙋Holla @ us on:

    ⁠Market MakeHer ⁠⁠website⁠⁠⁠

    Subscribe to Our Newsletter

    Instagram⁠ ⁠⁠@marketmakeherpodcast⁠⁠⁠

    TikTok⁠ ⁠⁠@marketmakeher⁠⁠⁠

    X/Twitter⁠ ⁠⁠@MarketMakeHer⁠⁠⁠

    Join the Money Coven⁠ ⁠⁠FB Community⁠⁠⁠

    👀 Watch us in action on our⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀

    About Us 🌚🌞

    Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our ⁠website⁠!

    Important Disclosures:

    Market MakeHer podcast is unsponsored at the time of recording.

    Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.

    Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.


    --- Support this podcast: https://podcasters.spotify.com/pod/show/market-makeher/support
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    33 mins
  • 36. Refresher: We are Paying Attention to Bonds Again
    May 17 2024

    The bond market has always been relevant, but it hasn't mattered as much since the Great Financial Crisis (GFC) - that's when the housing market collapsed in 2008. When we have a financial crisis, there is a fiscal policy response and monetary policy response to stimulate the economy. Right now we are in restrictive fed territory, they have raised rates to levels not seen since the GFC. Now the big market question is: when will they lower rates? If they do it too soon, it will reignite inflation, too late, it will tip us into a recession. The Fed's action affect the front end of the curve... when they lower and raise rates. WHICH AFFECTS YOU. (and that HYSA). You need to understand the yield curve and what de-inversion would mean.

    Is The Fed going to tip us into a recession? What does that even mean? We've been seeing your questions around this and more after our recent episodes on the FOMC meetings.

    Let's revisit how the yield curve works so we can all understand how the stock market and bond market is affected by The Fed's actions and what an inverted yield curve means for your money.

    *This episode was recorded back in November 2023, so some things mentioned are related to that month, but overall still relevant to what's happening now.*

    Still Have More Questions or a Comment?

    🙋🏾‍♀️🙋🏻🙋🏼‍♀️🙋🏽‍♂️🙋Holla @ us on:

    ⁠Market MakeHer ⁠⁠website⁠⁠⁠

    Subscribe to Our Newsletter

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    Join the Money Coven⁠ ⁠⁠FB Community⁠⁠⁠

    👀 Watch us in action on our⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀

    About Us 🌚🌞

    Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our ⁠website⁠!

    Important Disclosures:

    Market MakeHer podcast is unsponsored at the time of recording. Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.

    Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.

    --- Support this podcast: https://podcasters.spotify.com/pod/show/market-makeher/support
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    28 mins
  • 35. What Is CPI, PPI & PCE Price Index (Indices) in Fed Speak - Decoded
    May 10 2024
    Come with us as we leap through the gallows and levitate down WallStreet. 🔮 Today we're discussing the most recent FOMC Press Conference led by the Hawkish Fed Chairman, Jerome Powell, and what it all means when he talks about the CPI & PCE Price Index. There's also a quick SMU (stock market update). New Vocabulary Word: Tapering Tapering is a monetary policy used by the Federal Reserve to phase out or reduce the number of assets purchased each month. Listen for more info. Inflation Is Still Too High, When Are Interest Rates Getting Cut? Remember in Episode 30 when we talked about how The Fed is projecting to cut rates 3 times this year (and how that's good for getting loans and lower CC interest rates, but bad for our HYSA)? Well now the Federal Reserve is not confident enough in the data to cut those interest rates just yet. They're being left at 5.25-5.5% (for the banks, but then we will still be seeing higher loan rates). The Fed's Dual Mandate Papa Powell stated that maximum employment and stable inflation at 2% is still the objective. So what is inflation at right now? CPI 3.5% YoY (reported in April, for March) Core is at 3.8% https://www.bls.gov/charts/consumer-price-index/consumer-price-index-by-category-line-chart.htm PPI 2.8% YoY (reported in April, for March) Core is at 2.1% https://www.bls.gov/charts/producer-price-index/final-demand-12-month-percent-change.htm PCE 2.7% YoY (reported in April, for March) Next release May 31st Core is at 2.8% YoY https://www.bea.gov/news/2024/personal-income-and-outlays-march-2024 Low Unemployment Rates & Labor Demands The Fed also said unemployment rates are low and there are labor demands, but in which industries? We know a lot of people struggling to find jobs in marketing and tech right now, so which industries have labor demand? Here are 2 tools to help you find out: https://www.bls.gov/ooh/fastest-growing.htm https://www.bls.gov/ooh/most-new-jobs.htm What is PPI and CPI in Fed Speak? In Episode 15 we explained PPI & CPI: PPI: producer price index = is the perspective of the seller CPI: consumer price index = is the perspective of the buyer Methodology and definition: https://www.bls.gov/opub/hom/cpi/data.htmLatest report: https://www.bls.gov/charts/consumer-price-index/consumer-price-index-by-category.htm# Still Have More Questions or a Comment? 🙋🏾‍♀️🙋🏻🙋🏼‍♀️🙋🏽‍♂️🙋Holla @ us on: ⁠Market MakeHer ⁠⁠website⁠⁠⁠ Subscribe to Our Newsletter Instagram⁠ ⁠⁠@marketmakeherpodcast⁠⁠⁠ TikTok⁠ ⁠⁠@marketmakeher⁠⁠⁠ X/Twitter⁠ ⁠⁠@MarketMakeHer⁠⁠⁠ Join the Money Coven⁠ ⁠⁠FB Community⁠⁠⁠ 👀 Watch us in action on our⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀 About Us 🌚🌞 Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our ⁠website⁠! Important Disclosures: Market MakeHer podcast is unsponsored at the time of recording. Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities. Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions. --- Support this podcast: https://podcasters.spotify.com/pod/show/market-makeher/support
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    33 mins
  • 34. Investing Jargon, Demystified 🔮✨ The Top 20 Terms You Need to Know - In Order
    Apr 26 2024

    There's a loooot of jargon in the financial world. And it can seem overwhelming or like it's a language that was intentionally made to keep you in the dark, but Jess has been shining light on all this lingo since the beginning, and we've realized the jargon is actually pretty easy to grasp once it's explained to you in a logical, compounding way.

    Compounding Knowledge 🧠✨

    Just like your money compounds with interest, your investing knowledge compounds by starting off with the basic terms and building upon them. We'll take you through about 20 terms today (and we'll probably make a cute worksheet for you as well).

    It's In The Name!

    It's true, most of these jargony terms are self-explanatory and the answer is literally "in the name" for a lot of them.

    We start with the basic stock market terms you need to know and build upon them. You gotta know what capital is before you understand market cap, capital appreciation and capital gain, for example. ;)

    Still Have More Questions or a Comment?

    🙋🏾‍♀️🙋🏻🙋🏼‍♀️🙋🏽‍♂️🙋Holla @ us on:

    ⁠Market MakeHer ⁠⁠website⁠⁠⁠

    Subscribe to Our Newsletter

    Instagram⁠ ⁠⁠@marketmakeherpodcast⁠⁠⁠

    TikTok⁠ ⁠⁠@marketmakeher⁠⁠⁠

    X/Twitter⁠ ⁠⁠@MarketMakeHer⁠⁠⁠

    Join the Money Coven⁠ ⁠⁠FB Community⁠⁠⁠

    👀 Watch us in action on our⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀

    About Us 🌚🌞

    Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our ⁠website⁠!

    Important Disclosures:

    Market MakeHer podcast is unsponsored at the time of recording. Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.

    Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.

    --- Support this podcast: https://podcasters.spotify.com/pod/show/market-makeher/support
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    26 mins
  • 33. Current State of the Stock Market + Q&A (Pt. 2)
    Apr 19 2024
    Questions on questions: Y'all submitted sooo many questions we had to make this Q&A a two-parter. Be sure to follow us and subscribe to our email newsletter (all links at the bottom) to keep up with all the stock market happenings! But First, A Quick SMU! We also get a quick Stock Market Update from Jess Inskip. This investing rollercoaster we're on has been a bit of a dooziie this past week - what's happening? Remember, we're buckled in for the ups and downs! You know Jess is going to tell us in Swiftie speak every chance she gets... AI: I can still make the whole place shimmer The Dollar: I'm on my vigilante sh*t again Oil: I'll be the actress staring in your bad dreams The Fed: It's a cruel summer Answering Your Questions: Dalia asked a question from our What are mutual funds and ETFs? (Episode 04): Can you talk more about those fees behind index funds? Also, I’m wondering where exactly the money that a fund returns comes from. Is it an interest, companies’ profits or something else?@maljones asked a question from What Are Preferred Stocks (Ep. 07): Are preferred stocks also called options? Are they the same thing or different concepts?Jane Smith Carson asked: Other 'educators' talk crap about picking stocks, your advice makes me feel more confident to diversify my own portfolio. ETF. Re: step 1, what are some other fin-ed resources and podcasts you like? Check out: Napkin Finance by Tina Hay (book); Mad Money Podcast by Jim Cramer (first 10 minutes is stock market updates for self-directed investors); BOA global research (dry podcast but informative); Compound and Friends (podcast); Money with Katie (podcast); Fresh Invest (podcast); The Bid (BlackRock podcast produced by our friend @iamsteviemanns); the Fred website for economic data.@Yankees asked: I see so many posts about less and less people buying homes why are prices still going up? Carrie Nicholson asked: My son will be entering the work force soon. How can I set him up for financial success? Anonymous: Dividend Stocks – what are they, how do they work? ----------------------- Still Have More Questions or a Comment? 🙋🏾‍♀️🙋🏻🙋🏼‍♀️🙋🏽‍♂️🙋Holla @ us on: ⁠Market MakeHer ⁠⁠website⁠⁠⁠ Subscribe to Our Newsletter Instagram⁠ ⁠⁠@marketmakeherpodcast⁠⁠⁠ TikTok⁠ ⁠⁠@marketmakeher⁠⁠⁠ X/Twitter⁠ ⁠⁠@MarketMakeHer⁠⁠⁠ Join the Money Coven⁠ ⁠⁠FB Community⁠⁠⁠ 👀 Watch us in action on our⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀 About Us Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our ⁠website⁠! Important Disclosures: Market MakeHer podcast is unsponsored at the time of recording. Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities. Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions. --- Support this podcast: https://podcasters.spotify.com/pod/show/market-makeher/support
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    30 mins