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Efficient Alpha provides written content & investment research solutions for small and medium-sized advisor firms. Our core products include: financial newsletters, blogging, presentation preparation, investment research and ghost writing. Our normal clientele are small to medium-sized firms... More
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  • Building Wealth Through Peer Lending, An Interview With David Shipman

    I'm pleased to present our very first of many interviews on this site. I am interviewing both online loan investors and peer lending borrowers for their story on how the online loans revolution has changed their lives. You will never find a more insightful and honest discussion of peer loans than you will going right to the source and the people in the community.

    Our first interview is with David Shipman, an investor in online loans with experience in loan underwriting. David spent ten years in consumer lending before the distaste of selling families into high-interest loans and associated insurance products left him unsatisfied. He now works, through the church setting, helping people with various life problems including financial problems. He is a seasoned investor; continuing to trade in the stock market, buying and selling real estate as well as other investment vehicles.

    Check out the full interview plus others, including how one investor has earned a 14% annualized return over five years on a simple strategy. Click through to Building Wealth through Peer lending.


    Disclosure: The author has no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.

    Nov 19 1:29 PM | Link | Comment!
  • Market Update, Week Of Nov 4th

    The government shutdown hasn't seemed to affect the economy with non-farm payrolls way above estimates at 204,000 jobs added last month. Combined with a strong Q3 GDP number, some in the market are wondering if the Fed may begin tapering sooner than the March expectation. Interest rates jumped in response.

    Though the GDP number was artificially high on a big inventory build-up, it was still stronger than expected. Removing the upside on inventories, the economy would have increased by 2% in the quarter.

    Nothing seems to want to keep this market down, which may be a signal that investors need to be careful over the next couple of years. I wrote an article a couple of weeks ago describing the #1 reason investors lose money. After five years of strong gains, is it time to revisit your return needs for your financial goals?

    The ECB surprised the markets with an interest rate cut this week. The eurozone broke six straight quarters of falling growth in the last quarter and is set to release Q3 GDP on Wednesday of next week. A strong number could mean a big jump in commodities, especially oil which has been weak recently. Oil and Gas production is ramping up in offshore and deep water areas but the rig supply for most drillers is more than 20 years old. I wrote an article last week that presents the best investment in the sector, not an explorer but a company that will sell the 'picks and shovels' for the next commodities boom.

    Next week is pretty light as far as econ data with US industrial production on Friday and the Eurozone GDP on Wednesday. Japan also reports GDP on Wednesday and may support markets if easy money policies can keep the economy going. Earnings reports are starting to slow next week as well with Walmart reporting on Thursday.

    Check out these other recent articles if you missed them.

    Joe Hogue, CFA

    As always, I appreciate your suggestions and feedback. Please share the articles with anyone that cares about their financial future.


    Nov 08 7:40 PM | Link | Comment!
  • To Those That Were Awaiting My Series On "The Intelligent Investor"

    I just received feedback (below) on the first article in my series covering the book, The Intelligent Investor. It seems that Seeking Alpha is much more concerned with short-term investment pitches and schemes than actually educating investors.

    Sorry to those that were looking forward to the discussion but I will not be able to post the rest of the series.

    I appreciate the emails you have sent and your enthusiasm for the series. I hope you will continue to follow my analysis on the site.

    Thank you,
    Joseph Hogue, CFA

    (From Seeking Alpha editors)

    We appreciate the effort, but will pass on this one. The post comes across as too much "how-to" investing, or possibly rather basic for our savvy, investment-minded audience. Please note, our readers are rather sophisticated, and know most of the points you cover. You can use as an instablog post, referring to it in future articles. Or you can offer less on the basic tenets from the book and your strategy and more on actionable implications for investors.

    Nov 04 3:27 PM | Link | 8 Comments
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