Chatter Around the World – 116

Chatter Around the World is a curated weekly update of articles related to economics, investing, dividends and personal finance. In these weekly updates, I also capture my blog updates and news related to my portfolio holdings.

YTD Returns of Major Global Financial Assets

YTD Returns of Major Global Financial Assets

Image Source: Deutsche Bank

Let’s dive into the links that caught my attention this week.

Updates from My Portfolio Holdings

Interesting Reads

Dividend Reads

Dividend Stock Analysis

Have a wonderful weekend!

A Frugal Family’s Journey maintains a centralized repository of dividend stock analyses and recent buys from around the blogging community.

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15 thoughts on “Chatter Around the World – 116

  1. JC says:

    Thanks for the mentions and for the list. Quite a few articles that I missed this past week. Hope you have a great weekend. We’re having some great weather here.

    • You are welcome, JC. Im having a good weekend here – although its starting to get really chilly now. Still one of my fav seasons and the weather is quite lovely.

      Have a good one

  2. Loving the list R2R. It is nice to read while sipping on coffee during this frigid Saturday here in the Buckeye State. There are many great dividend stocks on here and I love Chimp’s double digit growth rate and low payout ratio article.

    Enjoy your weekend.


    • Hey Bert,
      Had to lookup what Buckeye meant – didnt know that about Ohio. Always something new to learn 🙂

      Dividend Chimp has some good reads and his one page summaries are very nicely put together. Glad to have introduced and have him guest here on this blog.


    • Hey M,
      Good to hear from someone who is familiar with the matter. Also looking forward to seeing better performance from Siri, although I am quite happy with how better it gets year after year.


  3. I’m bullish financial for their cash borrowed at 0 interest rate. Then they turn around to lend it to people at 4-25%. I can’t get a mortgage with a rate below 4% now. If you can’t win them, join them 😛

  4. I commented on the article about banks losing potential 60% of their retail profit to startups. It was posted as one jumbled mess of eye-bleeding words instead of something readable, but whatever. I’m going to repost my comment here:

    It’s very tough to say what is going to become of the banks going forward, but I don’t really see the startups as threats to them. While companies such as Lending Club and Prosper (big fan of P2P lending, by the by) provide alternatives to traditional banks in certain fields, one thing that the banks bring to the table is the ability to put it all together. I can’t say for sure, but I wouldn’t be surprised if people find that they don’t like or want to have one company that holds their mortgage, another to which they are making credit card payments to, another to hold their deposits, etc. Even insurance and investment products are handled in the banks, so you can walk into the bank that you’ve had an account with for years and walk out with a life insurance contract and a mutual fund.

    The resources of the banks are so vast–and the services many of them provide are free, whereas, say, a money transfer service that doesn’t hold deposits and loan that money out at interest might have to charge higher fees than banks would for wire transfers just to stay afloat)–that it’s hard to imagine all these startups really posing that large of a threat to the major banks. Sure, the startups can combine services and offer a wide range of financial services under one roof, but at that point, isn’t that just a bank?

    You’re more likely to see partnerships between the startups and the banks. Look at Simple, which has a bank backing it’s operations. Look at the online banks, including Bank X (not making that one up). They all have traditional banks as their backers. And I find this partnership to be a good thing. The startups bring some great new ideas to the table and have the potential to make a lot of money, regardless of whether they pose a threat to the banks or not. And the banks can bring these services to their customers, offering depositors of Chase, Citibank, and the rest innovative products that they never would have had access to otherwise.

    Banks will adapt to the digital age. They will partner with tech-based finance startups, they will buy them out, or they will offer their own version of it. They have the deep pockets and the huge customer base that will allow them to withstand whatever Apple, Google, or small Silicon Valley companies throw at them. But the ones that embrace change are the ones that will thrive. The ones that don’t? Well, I highly doubt they’ll just fold that easily, but sure, they will lose market share and revenue. But it’s all about the banks’ ability to adapt vs the startups’ ability to grow exponentially (assuming we’re pitting them against each other like that). Because I can’t imagine what sort of tech-based startup could bring down an apathetic Bank Of America or a technologically sluggish HSBC. Even in the Millennial age.

    We’ll see what happens. But I just can’t see the banking industry laying down and dying, with our entire financial sector now consisting of Apple Pay, Personal Capital, and Lending Club.”

    We’ll see. That’s all I can say. We’ll see.

    ARB–Angry Retail Banker

    • Thanks for sharing your thoughts, ARB. I agree for the most part – that it will be hard for new startups to simply come up with a solution and obliterate the banks. The banks have remained sluggish to adapt to new technology and startups have tried to take some market share, as you mentioned, and have been successful in some cases. Paypal is a good example of technology disrupting things. But the overall market implications have been fairly small – and I think thats what we can expect. Tech startups slowly chipping away at small stuff, which could eventually amount to something, but again – like you said, if everything is done under one roof – isnt that just a bank?

      In a capitalistic society, the entities that control the money will always be top dog. The banks have a great position in the overall society and how they cozy a relationship they share with the seats of the governments. But instead of fighting every new technology, the banks should embrace the changes – thats teh only way they can stay relevant. The Canadian banks openly said that they will fight tooth-and-nail to keep Apple Pay at bay, but newer reports suggest that the banks are embracing it and moving forward and we can expect Apple Pay available in Canada in 2016. Same goes with new currencies such as bitcoins. The US government has an ulterior motive to protect their assets, so they had a simple blockage to stop it from taking over – by simply declaring it as a commodity and not a currency, which works well for them. But still some of the banks are forming a consortium to work with/on bitcoins. Im still not sure if they are looking at it as a potential currency of the future or simply want to trade it as a commodity. Some details here:

      Definitely interesting times with the technological disruptions affecting all sorts of industries.


  5. Ha! I almost spit out my coffee when saw my name in this post. Thank you very much for the mentions, hope you’ve had a nice weekend!

    Now lets dig into these articles..
    – mraitn

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