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Resources June 2011
June 2011
1. Could you have imagined that a former Chief Justice of the Supreme Court, Warren Burger, wrote ....
2. I always get great book tips from our mutual friend and subscriber ...
3. Goldman Sachs has gone from being one of the most admired firms...
...keep reading

Buffett Gets One Very Right
November 2011
Warren Buffett, the greatest allocator of capital the world has ever known--as well as one of its more spectacularly wrong-headed social "thinkers"--got one spectacularly right at the end of September....keep reading

Invest in your business
September 2003
I recently spoke to a very conscientious and well-meaning advisor who feels trapped in her old commission-based/"A" share practice....keep reading

Squibs October 2010
October 2010
Yngve Slyngstad, John Winston Lennon,Geoff Colvin, Nick Murray, NBER press release...keep reading

Holiday gifts with a perennial message
November 2003
Herewith, three ideas for gifts to clients (and to yourself) that I believe will (1) significantly distinguish you from other advisors, (2) not bust your budget, and (3) make an important statement about our world as you see it...keep reading

Ask Nick April 2006
April 2006

Q: I've been working with an account for three years, referred in by a trusted tax ...
A: Personally, I'd very gently let it go at this point. She moved the stock to ...
Q: Do you have any guidance in terms of how a team/partnership should split up ...
A: (a) Sit down and come to a complete agreement about the sharing of ...
Q: When you spoke at our broker/dealer's conference about the new longevity, ...
A: No, you didn't, and I have found that this is, indeed, a very riveting image, ...
Q: I have a prospect in his late 50's -- no savings, no financial sophistication, ...
A: In point of actual fact, I can. There's a script on this very issue in The New ......keep reading

Ask Nick May 2005
May 2005
Ask Nick...keep reading

Squibs October 2008
October 2008
Rothschild, BEAR MARKETS, ERRATUM...keep reading

Resources January 2011
January 2011
1. By far the best book on the inner workings of the subprime ...
2. I just missed this one at press time last month, but Burton Malkiel's November ...
3. I always enjoy the work of the historian H. W. Brands, as longtime readers ...
4. If you are willing to imagine that reading an academic paper could be fun, then I ...
5. Elsewhere in this issue, I mention the landslide presidential election of 1980. ...
6. Franklin Templeton, to its credit, is running a campaign to help advisors get
...keep reading

Ask Nick June 2006
June 2006

Q: The immigration debate smacks of protectionism, of the NIMBY variety. Do ...
A: I think the issues are, in general, far more complex than, and different from, ...
Q: I have a number of middle-aged boomer clients whose homes are paid off; ...
A: Borrowing equity out of a house relatively later in life is a potentially very ...
Q: I majored in business, taking various economics courses as both an ...
A: No such book exists, because the stock market is not reliably affected by, nor ...
Q: Just left a meeting with a prospective client couple -- people I know, and feel ...
A: It's not your job to reply, nor to read and/or comment on the Stein book. You're ...
Q: Intelligent, single 58-year-old female, $2 million investable assets, taking the ...
A: No idea what the terms of the corporate pension are. You should offer to have ...
Q: Do you believe in supply-side economics?...
A: It kind of depends on what you mean by the phrase "...keep reading

Squibs December 2007
December 2007
Wim Elfrink, Alan Greenspan...keep reading

Behaviorism Triumphant
December 2002
I was extremely fortunate, in the mid-1980s, to attend a presentation by Daniel Kahneman and Amos Tversky, who in 1979 had published a landmark paper in Econometrica on decision-making under uncertainty....keep reading

Squibs May 2009
May 2009
J. Paul Getty, Ecclesiastes, Dean Witter, Bill Evans...keep reading

Big Government Never the Solution, Always the Problem
July 2010
It's been a consistent drumbeat in this newsletter that, regardless of how financially stressed government may be--and it has never been more so in peacetime--nonfinancial corporations in the United States are more liquid than they've been since the 1950s...keep reading

Forbes Award
June 2007
The first of May was, as many of you know, your editor's fortieth anniversary in the financial services industry. A few days earlier, the New York City Chapter of the Financial Planning Association...keep reading

Resources April 2001
April 2001
Resources...keep reading

Squibs Three Cautionary Notes July 2001
July 2001
Squibs...keep reading

Straws in the Wind
November 2006
1. With little or no fanfare, two huge mutual fund complexes raised the equity allocation in their "life cycle" funds, which are portfolios whose asset allocation is geared to specified retirement dates. Fidelity, specifically citing rising life expectancies,...keep reading

Ask Nick November 2003
November 2003
Ask Nick...keep reading

Ask Nick December 2004
December 2004
Ask Nick...keep reading

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  -- from a 39-year veteran advisor
  
  "I am writing to thank you for the essay "The Truth Versus The Darkness" (NMI November '23). I think this is among the very best of your work, and I will revisit it regularly. I am thankful for your insight. "
  
  -- from a third generation advisor
  
  "Thank you for being our beacon, our guidepost, our lighthouse and the only public (or semi-public) voice of reason and intelligence. [Responding to the July 2023 Client's Corner "The end of the world has been inexplicably postponed. Again."]
  
  -- from a marathon-running grandfather of nine
  
  "This month's (July 2022) Client's Corner ("We're in a bear market. You need to ask yourself one question.") was the best one ever. I had our entire team do your "stocks vs. companies" exercise, and we're preparing to get it out to all our clients. Thanks for giving us the model, the resources, the wordsmithing and just the common sense to look around and see that all of history tells us exactly what we should be doing with our clients."
  
  -- from a 22-year veteran advisor (and 17-year NMI subscriber) in the Midwest
  
  I am coming up on 40 years in the life insurance business. Two or three years in, I secured my securities licenses and started reading your books. They diversified my portfolios of my life clients. Your books and newsletters changed my career as well as my income. I thought I learned a lot in grad biz school but you taught me how to treat clients as people. We are both aging in place (I am now 73). God bless you for what you have done for my family and my clients.
  
  -- from a similarly aging veteran
  
  My wife and I have been financial planners since 2014 and I've been a subscriber for 4-5 years now. There is not a doubt in my mind that reading your work and adopting your philosophy was the inflection point in my career. I can truly say that I'm happily doing well by doing good. And I feel that I owe it all to you.
  
  -- from a Pennsylvania subscriber
  
  Your common-sense, fact-based newsletter is invaluable to all the advisors it serves, and to the clients to whom we send your Client's Corner essays.
  
  -- from a 40-year veteran advisor and longtime subscriber
  
  My impact on the world has been made richer because of your impact on me and my team. I may never be able to deliver those words in person, so I didn't want any more time to pass before sending them along.
  
  -- from a prominent woman advisor and team leader in the Southeast
  
  I've recently reframed how I communicate my value to clients. I got almost all of this philosophy from you. This year [through April] I've already brought on more new AUM than I did all of last year, and my short-term pipeline is 10X what it has ever been before. Just wanted to say how impactful your work has been to me and my clients.
  
  -- from an insurance-based financial planner
  
  I ended my years of procrastination and subscribed yesterday. Missing your newsletter in my practice is probably akin to an investor staying in cash since 2009. Thank goodness you have an archive. This great profession of ours owes you a debt of gratitude.
  
  -- from a brand new subscriber
  
  ...more

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NMI Home
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SUBSCRIPTION
- Purchase new or renewal subscription:
  
  NEW/RENEW SUBSCRIPTION
  
  Transaction Receipts
  
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SUBSCRIBE NOW
- You'll get instant access to the current edition of the newsletter, plus over 25 years of archives!
  
  Subscribe Now
Seminars
- The Effective Seminar
  
  Retirement Income
  
  Fifty Years, Three Bear Markets
  
  Three Emotional Pitfalls in Long-Term Equity Investing
  
  The Price of Admission
  
  Purchased Seminars
GIFT SUBSCRIPTION
- To Purchase a Gift Subscription for someone else:
  
  PURCHASE
  
  and then indicate
  
  RECIPIENT INFORMATION
ASK NICK
- Ask Nick
SUBSCRIBERS SAY
- Testimonials
- Your 50-year economic/market/global summary ("A Story of Five Decades 1975-2025") was worth whatever I paid for the yearly subscription, and I will memorize it.
  
  -- from one of our longer-term and more thoughtful subscribers
  
  " In a 50-year career and as a longtime subscriber: there is no publication that has provided more value and wisdom to the advisor population than your newsletter. Invaluable. "
  
  -- from an advisor since August 1976
  
  " This year has been especially challenging given politics entering the conversations like none I have ever seen. I turn to you [via NMI], and you always have the right words for us. Sincere appreciation for always being in our corner."
  
  -- from a 34-year industry veteran
  
  "Your concept of The Package (December 2024) has been absolutely oxygenating and energizing for me. Clients are expressing increased confidence in our plan and my stewardship. Sincerest gratitude."
  
  -- from a 16-year industry veteran
  
  "I reach out today to let you know the annual client letter you authored (NMI January '24) and encouraged us to share with clients is a masterpiece. I wasted no time distributing it to my clients, and their positive responses have been encouraging."
  
  -- from a 39-year veteran advisor
  
  "I am writing to thank you for the essay "The Truth Versus The Darkness" (NMI November '23). I think this is among the very best of your work, and I will revisit it regularly. I am thankful for your insight. "
  
  -- from a third generation advisor
  
  "Thank you for being our beacon, our guidepost, our lighthouse and the only public (or semi-public) voice of reason and intelligence. [Responding to the July 2023 Client's Corner "The end of the world has been inexplicably postponed. Again."]
  
  -- from a marathon-running grandfather of nine
  
  "This month's (July 2022) Client's Corner ("We're in a bear market. You need to ask yourself one question.") was the best one ever. I had our entire team do your "stocks vs. companies" exercise, and we're preparing to get it out to all our clients. Thanks for giving us the model, the resources, the wordsmithing and just the common sense to look around and see that all of history tells us exactly what we should be doing with our clients."
  
  -- from a 22-year veteran advisor (and 17-year NMI subscriber) in the Midwest
  
  I am coming up on 40 years in the life insurance business. Two or three years in, I secured my securities licenses and started reading your books. They diversified my portfolios of my life clients. Your books and newsletters changed my career as well as my income. I thought I learned a lot in grad biz school but you taught me how to treat clients as people. We are both aging in place (I am now 73). God bless you for what you have done for my family and my clients.
  
  -- from a similarly aging veteran
  
  My wife and I have been financial planners since 2014 and I've been a subscriber for 4-5 years now. There is not a doubt in my mind that reading your work and adopting your philosophy was the inflection point in my career. I can truly say that I'm happily doing well by doing good. And I feel that I owe it all to you.
  
  -- from a Pennsylvania subscriber
  
  Your common-sense, fact-based newsletter is invaluable to all the advisors it serves, and to the clients to whom we send your Client's Corner essays.
  
  -- from a 40-year veteran advisor and longtime subscriber
  
  My impact on the world has been made richer because of your impact on me and my team. I may never be able to deliver those words in person, so I didn't want any more time to pass before sending them along.
  
  -- from a prominent woman advisor and team leader in the Southeast
  
  I've recently reframed how I communicate my value to clients. I got almost all of this philosophy from you. This year [through April] I've already brought on more new AUM than I did all of last year, and my short-term pipeline is 10X what it has ever been before. Just wanted to say how impactful your work has been to me and my clients.
  
  -- from an insurance-based financial planner
  
  I ended my years of procrastination and subscribed yesterday. Missing your newsletter in my practice is probably akin to an investor staying in cash since 2009. Thank goodness you have an archive. This great profession of ours owes you a debt of gratitude.
  
  -- from a brand new subscriber
  
  ...more
LATEST ISSUES
ARCHIVES
EBOOKS
- Click HERE to access the ebooks that you purchased.
  
  Click HERE for tips on how to use our eBooks' flipbook format
Hardcover Books
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