The Daily Stock Analysis

If you own a retirement account like a 401k, you probably split your savings up among a few different types of investments. A lot of people use investment models provided by their employers. And a lot of you don't really know which stocks or bonds your investments have. And really that is OK. The idea of investing in a mutual fund, a variable annuity, or an ETF is, so you don't have to be an expert. But many people are surprised to learn that any of their retirement accounts have Russian stocks or bonds. So how do you know and what can you do about it. That is what today's video is about. In today's video, I reference a lot of details. If you'd like to see the references to those details, please go to my blog and see the references to "Do You Unknowingly Own Russian Stocks? WHAT NOW?" Here is a link to my blog: https://richardsfinancialplanning.com/russian-stocks-what-now

REITs or real estate investment trusts have been around since 1960. REITs allow investors to invest in real estate without direct ownership. This investment vehicle can be simple or incredibly complicated. Many people are attracted to the high current dividends. There can also be an illusion of safety because the mortgages used in some REITs are back by the US Government. In today's show, I discuss the opportunities REITs offer. Plus, I discuss the downside too. Investors can learn a lot from the market crash in mortgage-backed REITs that began with the Coronavirus market crash between February and March of 2020. Some mREITs have not rebounded. That is what I am talking about today on the Daily Stock Analysis. Today's discussion includes Annaly Capital Management, Starwood Property Trust, AGNC Investment Corp., Two Harbors Investment, and PennyMac Mortgage Investment Trust. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #investing #realestate #housing The sponsor of today's program is Richards Financial Planning. Have you ever heard anyone say, "I regret sorting out my finances"? That's because no one ever says that! You Can Control Your Financial Future. A Financial Plan Can Ease Your Frustration. Visit https://richardsfinancialplanning.com/ to learn more. One last point from our second sponsor, Advice4LifeInsurance.com. If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes. Visit their website at https://www.advice4lifeinsurance.com This information is for educational purposes only. Not an offer to buy or sell any stock or an offer of advice. There are limits to the information provided. At the end of the video, please read the disclosure. Or at the end of the podcast, please listen to the disclosure for Richards Financial Planning, LLC. References from today's show: Mortgage Firm Struggles to Meet Margin Calls as Market Turmoil Continues https://www.wsj.com/articles/mortgage-firm-struggles-to-meet-margin-calls-as-market-turmoil-continues-11584975633 Mortgage REITs Come Under Stress That Even the Fed Might Not Be Able to Ease https://www.barrons.com/articles/target-stock-is-climbing-after-it-reported-another-banner-quarter-for-earnings-51614694528 Basics of Fannie Mae Single-Family MBS https://capitalmarkets.fanniemae.com/media/4271/display Freddie Mac—Federal Home Loan Mortgage Corp. (FHLMC) https://www.investopedia.com/terms/f/freddiemac.asp The Inverse Relationship Between Interest Rates and Bond Prices https://www.investopedia.com/ask/answers/why-interest-rates-have-inverse-relationship-bond-prices/ Two Harbors Investments Corp. Fourth Quarter 2020 Earnings Call https://s24.q4cdn.com/261832436/files/doc_financials/2020/q4/TWO-Q4-2020-Earnings-Call-Presentation-Final.pdf How Risky Is AGNC Investment Corp.'s Dividend? https://www.fool.com/investing/2021/02/17/how-risky-is-agnc-investment-corps-dividend/#:~:text=AGNC%20cut%20its%20monthly%20payout%20from%20$0.15%20per,conference%20call%20that%20the%20dividend%20cut%20was%20%22unnecessary.%22 Capital Destruction, Inc. A look at mortgage REITs. https://www.morningstar.com/articles/641458/capital-destruction-inc Two Harbors Investment Sees Unusually Large Options Volume https://www.marketbeat.com/instant-alerts/nyse-two-options-data-report-2021-02/ Commercial Properties' Ability to Repay Mortgages Was Overstated, Study Finds https://www.wsj.com/articles/commercial-properties-ability-to-repay-mortgages-was-overstated-study-finds-11597152211

Spotify has beat back the Goliaths of the music and podcast world. When you think of streaming music and podcast, investors may think that Amazon, Apple, and Google dominate everything. That is wrong! Spotify is not as diversified as Amazon, Apple, or Google, but it is growing in the land of giants. The company is focusing only on customer streaming. That emphasis has allowed Spotify to have consistent growth of users, attract more artists, increase subscriptions and increase ad revenue. But here's a puzzler. The stock keeps going up, and the company posts a net loss year after year. Spotify is not profitable. Or is it? That is what I am talking about today on the Daily Stock Analysis. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #investing #streamingmedia #music The sponsor of today's program is Richards Financial Planning. Have you ever heard anyone say, "I regret sorting out my finances"? That's because no one ever says that! You Can Control Your Financial Future. A Financial Plan Can Ease Your Frustration. Visit https://richardsfinancialplanning.com/ to learn more. One last point from our second sponsor, Advice4LifeInsurance.com. If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes. Visit their website at https://www.advice4lifeinsurance.com Not an official Spotify video. For educational purposes only. Not an offer to buy or sell any stock or an offer of advice. There are limits to the information provided. At the end of the video, please read the disclosure. Or at the end of the podcast, please listen to the disclosure for Richards Financial Planning, LLC. References from today's show: Spotify Technology S.A. Announces Financial Results for Fourth Quarter 2020 https://investors.spotify.com/financials/press-release-details/2021/Spotify-Technology-S.A.-Announces-Financial-Results-for-Fourth-Quarter-2020/default.aspx Spotify Technology S.A. Form 20-F https://s22.q4cdn.com/540910603/files/doc_financials/2020/q4/4e770a8c-ee99-49a8-9f9e-dcc191807b56.pdf 3 Ways Spotify's Investing in Podcasts in 2021 https://www.fool.com/investing/2021/02/25/3-ways-spotifys-investing-in-podcasts-in-2021/ Spotify podcast listener numbers will surpass Apple's this year https://www.emarketer.com/content/spotify-podcast-listener-numbers-will-surpass-apples-this-year If you're too lazy to make a playlist, you'll love Spotify's new feature https://bgr.com/2021/02/25/spotify-liked-songs-playlist-new-filters-mood-genre/

ExOne is not your average 3D printer manufacture. ExOne develops and manufactures 3D printers for rapid prototyping and manufacturing of industrial parts and components. The market for industrial 3D printing is vast. The challenge is getting industry on board. The question investors should be asking is this. Can 3D printing be cost-efficient enough and fast enough to replace traditional supply channels? Additionally, an attractive twist for investors to 3D industrial printing is the military applications for the battlefield. That is what I am talking about today on the Daily Stock Analysis. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #investing #engineering #military The sponsor of today's program is Richards Financial Planning. Have you ever heard anyone say, "I regret sorting out my finances"? That's because no one ever says that! You Can Control Your Financial Future. A Financial Plan Can Ease Your Frustration. Visit https://richardsfinancialplanning.com/ to learn more. One last point from our second sponsor, Advice4LifeInsurance.com. If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes. Visit their website at https://www.advice4lifeinsurance.com Not an official ExOne video. For educational purposes only. Not an offer to buy or sell any stock or an offer of advice. There are limits to the information provided. At the end of the video, please read the disclosure. Or at the end of the podcast, please listen to the disclosure for Richards Financial Planning, LLC. References from today's show: Exone 2021 Investor Presentation https://www.investor.exone.com/static-files/5ec68fab-95b9-446a-9049-954df41b649b ExOne Form 10Q https://www.investor.exone.com/static-files/98d831e0-647c-4b4b-9faf-b4c4c6b5368c ExOne gets $1.6M DoD contract to build a 3D printing ‘factory’ in shipping container https://techcrunch.com/2021/02/17/exone-gets-1-6m-dod-contract-to-build-a-3d-printing-factory-in-shipping-container/ 6 Best Publicly-Listed 3D Printing Companies https://3dinsider.com/public-3d-printing-companies/#:~:text=The%20best%20publicly-listed%203D%20printing%20companies%201%203D,Nano%20Dimension%20(NASDAQ:%20NNDM)%206%20ExOne%20(NASDAQ:%20XONE)

GE was once one of the largest companies in the world. They have lost about two-thirds of their value since 2015. But their turnaround is looking good. They have a strong cash flow. They are also one of the largest manufactures of wind turbines used in the State of Texas. How will the recent winter storms affect their future? That is what I am talking about today on the Daily Stock Analysis. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #alternativeenergy #energy #aviation Additionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/ One last point from our sponsor, Advice4LifeInsurance.com. If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes. Visit their website at https://www.advice4lifeinsurance.com Not an official GE video. For educational purposes only. Not an offer to buy or sell any stock or an offer of advice. There are limits to the information provided. At the end of the video, please read the disclosure. Or at the end of the podcast, please listen to the disclosure for Richards Financial Planning, LLC. References from today's show: Thanks to Macroaxis for the chart on GE's capitalization: https://www.macroaxis.com/invest/financial-statements/GE/Market-Capitalization Department of Energy Order No. 202-21-1 https://www.energy.gov/sites/prod/files/2021/02/f82/DOE%20202(c)%20Emergency%20Order%20-%20ERCOT%2002.14.2021.pdf 'Winners and losers': Who will end up footing bill for spiking electricity prices in Texas? https://www.bizjournals.com/dallas/news/2021/02/17/ercot-electricity-prices-retailers-consumers.html GE 2020 Annual Report https://www.ge.com/sites/default/files/GE_AR20_AnnualReport.pdf Texas Blackout Boosts Australian Bank by Up to $215 Million https://www.wsj.com/articles/texas-blackout-boosts-australian-bank-by-up-to-215-million-11613997617?st=q92l187grj7li5f&reflink=article_email_share For more information on Morningstar, visit Morningstar.com (Morningstar is not a sponsor of this broadcast) GE Stock Can Hit $15, Says Goldman. It's the Highest Call on Wall Street. https://www.barrons.com/articles/ge-stock-can-hit-15-says-goldman-its-the-highest-call-on-wall-street-51614009185?adobe_mc=MCMID%3D71205814629448003322333981478554029426%7CMCORGID%3DCB68E4BA55144CAA0A4C98A5%2540AdobeOrg%7CTS%3D1614057901&adobe_mc=MCMID%3D71205814629448003322333981478554029426%7CMCORGID%3DCB68E4BA55144CAA0A4C98A5%2540AdobeOrg%7CTS%3D1614112780

Zoetis is the world's largest animal health company. Zoetis may very well be a recession-proof company. Despite the pandemic, Zoetis has prospered. The majority of the company's revenues come from the companion animal market. The stay-at-home phenomena have increased pet ownership and made pet owners more aware of their pet's physical situation. Couple that with Zoetis' animal drug development, the addition of point-of-care services and you have a company making the most of a bad situation. That is what I am talking about today on the Daily Stock Analysis. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #investing #economy #drugspharmaceuticals Additionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/ One last point from our sponsor, Advice4LifeInsurance.com. If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes. Visit their website at https://www.advice4lifeinsurance.com Not an official Zoetis video. For educational purposes only. Not an offer to buy or sell any stock or an offer of advice. There are limits to the information provided. At the end of the video, please read the disclosure. Or at the end of the podcast, please listen to the disclosure for Richards Financial Planning, LLC. References from today's show: Zoetis third quarter 2020 financial results https://s1.q4cdn.com/446597350/files/doc_financials/2020/q3/3Q'20-Earnings-Presentation-11.5.20-Final.pdf Zoetis Inc. Form 10Q https://s1.q4cdn.com/446597350/files/doc_financials/2020/q3/4dbe106d-94fc-4899-bb4f-a4827978c1ec.pdf Jim Cramer has a great video interview with Zoetis CEO Kristin Peck https://www.cnbc.com/video/2021/01/13/families-are-adopting-spending-more-on-pets-amid-pandemic-zoetis-ceo.html Even though it's not a huge dividend, Zoetis has increased its dividend each year since its inception in 2013. December 9, 2020, Zoetis increased its dividend by 25%. (FYI, it is essential to remember that the past performance, including its dividends, is not a guarantee of future results.) https://investor.zoetis.com/news/news-details/2020/Zoetis-Declares-First-Quarter-2021-Dividend-Board-Approves-25-Payment-Increase/default.aspx#:~:text=The%20Board%20of%20Directors%20of%20Zoetis%20Inc%20.,%E2%80%9CZoetis%20continues%20to%20demonstrate%20its%20resiliency%20and In 2018 Zoetis merged with Abaxis, a company that develops, manufactures, and markets veterinary diagnostic instruments. https://www.abaxis.com/news/press-release/zoetis-to-acquire-abaxis-leading-global-provider-of-veterinary-point-of-care In 2019, Zoetis took further steps to diversify its revenue stream by acquiring ZNLabs a nationwide veterinary reference laboratory https://news.zoetis.com/press-releases/press-release-details/2019/Zoetis-Acquires-ZNLabs-a-Nationwide-Veterinary-Reference-Laboratory-to-Further-Strengthen-its-Comprehensive-Diagnostics-Portfolio/default.aspx

Bank of New York Mellon Corporation is like a giant, spinning plates while skating on ice. While that may seem impossible, BNY Mellon is handling the pressure with grace. Service fees generate about 80% of BNY Mellon's revenue. Most of their seven lines of business continue to produce but at a level rate. Hopefully, 2021 may change the economic trends of 2020. That is what I am talking about today on the Daily Stock Analysis. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #investing #economy #bankingindustry Additionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/ One last point from our sponsor, Advice4LifeInsurance.com. If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes. Visit their website at https://www.advice4lifeinsurance.com References from today's show: BNY Mellon 2020 Quarterly Financial Highlights (PDF) https://www.bnymellon.com/content/dam/bnymellon/documents/pdf/investor-relations/quarterly-financial-highlights-4q-2020.pdf.coredownload.pdf BNY Mellon Financial Supplement Fourth Quarter 2020 (PDF) https://www.bnymellon.com/content/dam/bnymellon/documents/pdf/investor-relations/financial-supplement-4q-2020.pdf.coredownload.pdf Not an official BNY Mellon video. For educational purposes only. Not an offer to buy or sell any stock or an offer of advice. There are limits to the information provided. At the end of the video, please read the disclosure. Or at the end of the podcast, please listen to the disclosure for Richards Financial Planning, LLC.

Energy Transfer has one of the furthest reaching networks of oil and gas in the US. But projects like the Dakota Access Pipeline illustrates the difficulty that may lie ahead. How will earnings be affected for Energy Transfer if the DAPL halts transporting oil? Energy Transfer's dividends are incredibly high, and the stock price is relatively low. Then again, how low can it go? That is what I am talking about today on the Daily Stock Analysis. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #investing #legalissues #oilgas Additionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/

Macerich is one of the most highly shorted stocks in the market now. What's that mean??? Could it be the next GameStop or AMC? Maybe or maybe not. The interesting thing about Macerich is its valuation. Today, I talk more about short selling and its effect on companies like Macerich. That is what I am talking about today on the Daily Stock Analysis. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #investing #markets #commerce Additionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/ One last point from our sponsor, Advice4LifeInsurance.com. If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes. Visit their website at https://www.advice4lifeinsurance.com

The GameStop mania has ignited the curiosity of millions of people. Why is it going up so much? What is the big deal about “short interest?” Can I get in on this? The first place to start to learn about what is happening with GameStop is to learn about the investment strategies that are pushing the value to incredible heights. It is called short selling. In the accompanying video, you’ll learn how short selling works and the risk involved. The bottom line is going to know the risk of any investment before you buy it. And most importantly, have a plan for your finances. You can learn more about financial planning at www.richardsfinancialplanning.com #investing #money #markets

Most investors looking for dividend-paying stocks don't look to Europe. That could be a mistake. As Europe works to gain independence from Russian gas supplies, Italian gas supplier Snam fills the gap. And it pays dividends. But how secure are they? That is what I am talking about today on the Daily Stock Analysis. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #oilgas #alternativeenergy #investing Additionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/ One last point from our sponsor, Advice4LifeInsurance.com. If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes. Visit their website at https://www.advice4lifeinsurance.com

Opendoor is an iBuyer for the home real estate market. They portray a simple certain, fast and safe way to buy and sell a home, all online. Opendoor has been around since 2014. But they came to life as a public company through a SPAC. How do they compete, and how do they compare. That is what I am talking about today on the Daily Stock Analysis. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #investing #realestate #onlineshopping Additionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/ One last point from our sponsor, Advice4LifeInsurance.com. If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes. Visit their website at https://www.advice4lifeinsurance.com

Steris is an Irish (former US) company specializing in helping medical facilities keep procedures infection-free. The pandemic has slowed growth from surgeries, but what about the push to keep medical facilities COVID free? Will the surgery business recover soon, and how are they affected by the recent acquisition of competitor Cantel? That is what I am talking about today on the Daily Stock Analysis. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #investing #healthcare #medicine Additionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/ One last point from our sponsor, Advice4LifeInsurance.com. If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes. Visit their website at https://www.advice4lifeinsurance.com

Home Depot's growth over the past year has been good. The stay-at-home phenomenon has ignited a home improvement boom. How will more government stimulus to consumers affect their future growth? Plus, are they drowning out their competition? Maybe not. That is what I am talking about today on the Daily Stock Analysis. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #workingathome #money #economy Additionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/ One last point from our sponsor, Advice4LifeInsurance.com. If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes. Visit their website at https://www.advice4lifeinsurance.com

Many people only know Pfizer as a COVID-19 vaccine maker. Their vaccine could turn the tide against the spread of the coronavirus. But how much will that affect their earnings? With six business units, vaccines are only one. Plus, it is not the most profitable. Are they undervalued, and what does their future look like? That is what I am talking about today on the Daily Stock Analysis. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #coronavirus #healthcare #pharmaceuticals Additionally, if you are in Texas and you're frustrated with your personal financial growth, I have a new program for that called the Prosperous Planning Process. Learn more about turning a lack of financial control into abundance at https://richardsfinancialplanning.com/ One last point from our sponsor, Advice4LifeInsurance.com. If you need life insurance, you can find the best life insurance at the lowest price in less than five minutes. Visit their website at https://www.advice4lifeinsurance.com

The past year has effected many businesses in different ways. Salesforce.com has been in a unique position. When business revenues are being squeezed, they offer ways to get more. As a result Salesforce.com revenues have skyrocketed. But can it continue at this pace? Today we talk about their business and profits. That is what I am talking about today on the Daily Stock Analysis. Listen, learn, subscribe to join in the conversation. Leave a comment and let me know what you think. #marketing #investing #technology