Andrew Kyriacou Market Update for the Holiday Season

Andrew Kyriacou Holiday Tips

The holidays are coming!

We all know the holidays are a fun time and bring a lot joy and happiness. BUT, the holidays also mean increased spending. We have to get gifts for our family, relatives and friends. We also spend more money going to visit people during the holidays.

Many people also like to do some charity during the holiday season. As you know, the funds that you give to a charity are also tax deductible. You are eligible for up to 50% deductible when we donate in complete cash.

The holidays are a time for big spending, but also a time for big earnings. So, prepare accordingly.

My ‘Andrew Kyriacou Market Update’ will give you some facts about the market and where how to prepare.

The Market

According to Andrew Kyriacou the value of the market changes every day, so there is no fixation within market strategies. As business changes according to the market, we have to change according to the cost that we have to spend on anything in the market. The expense on daily purchases can change and no surety that they will decrease or increase. The rise in market rates is usual whenever a season starts because the start of a season is time to get more profits from your investments in the market.

Because most fortune 500 companies are cyclical in the yearly revenue, they often rely on the holidays for a huge boost in revenues… this often primes the market to spike ahead of 4th quarter revenue projections.

Wise Investments

Andrew Kyriacou often shows his clients how to make a wise investments and financially beneficial charity donations during the holiday season. You can complete your planning for the assets that you want to put into the charity. Donations are not under the complete deduction, but you can learn about the deduction process before paying funds to any public or private charity.

If you are a legal taxpayer you should always follow the guide lines of the Internal Revenue Service. The deduction goes on up to 5 years on the cash charity and the assets are considered as fair market value when they are held for more than 1 year. The costs are on increase and the Andrew Kyriacou Market update is here to help you in making a perfect decision regarding you holiday season expenses. An advisor with expertise will define you every bit of the holiday season market update strategies. May the context is helpful for you and guide you in the right way towards making holiday season charity this year.

Market Volatility After the Midterm Elections by Andrew Kyriacou

Market Update from Andrew Kyriacou

I wrote this open letter to my HNWI clients following the recent midterm elections… ‘Market Volatility After the Midterm Elections by Andrew Kyriacou’:

Good Afternoon,

The potential outcomes of the midterm elections have been dominating the news lately. As October reminded us, investors and the markets typically do not like uncertainty. With Democrats taking control of the House of Representatives, and Republicans maintaining their majority in the Senate, this clarity may bring some reassurance for investors.

Throughout 2018, we have been expecting a return to more normal levels of market volatility (after experiencing very little in late 2016 and 2017), driven by forces such as potential economic growth, inflation concerns, rising interest rates, trade tensions, and political uncertainty. In fact, the S&P 500 Index has slipped into “correction territory,” defined as a 10% decline from a recent high, on three separate occasions this year. While potential tariffs and Federal Reserve policy may have garnered most of the headlines, the underlying uncertainty around the U.S. midterm elections has probably also been pressuring markets.

Midterm Election Years

Historically, midterm election years are the most volatile of the four-year presidential cycle. Equity markets are typically unable to sustain any lasting momentum because investors are awaiting the outcome and considering how it may influence policy, the economy, and in turn, the markets. Occasionally, market participants conclude that the potential for political “gridlock”—a divided Congress—is a favorable outcome, as that suggests any extreme political or economic measures are unlikely. Since 1950 the U.S. stock market has consistently displayed a sort of “relief rally” after the midterm elections; so if history repeats itself, we may see strong performance through the rest of 2018 and into the first half of 2019.

Democrats in control of the House

Although clarity may be all that the stock market is looking for, there are several important policy implications for investors to consider in light of this year’s results. With Democrats taking control of the House, “gridlock” may in fact mean a better sense of political balance for many market participants, as it limits the potential for the policy pendulum to swing too far in any one direction. We may also see an infrastructure spending deal and progress on trade, which could provide further support for the markets. On the other hand, the debt ceiling debate may create renewed uncertainty if Democrats attempt to roll back some of the recent tax cuts in order to reach a deal on the federal budget, and increased scrutiny of the administration may periodically weigh on market sentiment.

Looking ahead, a traditional post-midterm election rally may follow as investors attempt to identify asset classes, sectors, and industries positioned to benefit from the election results. Although considering the deep domestic political divide, as well as the ever-present global challenges, it is prudent to prepare for further bouts of market volatility in the year ahead. It is also important to stay focused on those factors that traditionally drive markets in the long run: not political headlines, but rather the solid fundamentals supporting economic growth, the direction of interest rates, and the impact of corporate profits on the financial markets.

As always, if you have any questions or concerns please contact me and the Andersen Tax Wealth Management team.


Andrew Kyriacou

Andrew Kyriacou

Read my latest Market Update white paper at:

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How to Save for your Holidays Financially? (Andrew Kyriacou Holiday Tips)

Andrew Kyriacou Holiday Tips

This Andrew Kyriacou Holiday Tips article may help you get through the holidays with a little extra cash in your pocket. The key is to be prepared in advance for the upcoming expenses through savings.

As we all know the holidays are an important part of our busy lives. It’s the time when we splurge on gifts, food, and entertainment with our family and children. Families often plan for vacation trips during the winter holidays, which just adds to the increased spending. That trip to visit distant relatives, or the family alpine skiing trip begin to add up financially during a time of year when it’s hard to say no.

The wise man (or woman) always sets his (or her) financial savings in the present that he needs in the future. So, the decision is on you to start saving – if not then you may have greater difficulty during the high spending season.

These tips are for all the people who want to save for their holidays and stay prepared for the upcoming vacations before they come.

Andrew Kyriacou holiday tips are for saving everyone from these dangerous situations when we are at the stage of ‘can’t say no’.

Andrew Kyriacou Holiday Tips #1: Check your Current Financial Status

The first action is enquiring your current financial status. Check how much you have in your pocket or bank savings or any other source where you had saved for these expenses. This will help you to understand what you can and cannot afford. You can use your savings funds easily, but make sure you’re not over-spending. Meaning, you should also look to January and February expenses to make sure you have enough savings for AFTER the holidays.

Andrew Kyriacou Holiday Tips #2: Make a List of your Expenses

When the holidays are coming, you should discuss the needs and wants (in regards to expenses) with your family. Holidays are full of expenses such as shopping, booking fun costs and many others. Make a complete list of all your planned expenses for which you have to spend money. The list covers every single aspect of expense from normal shopping to the highest expenses. Shopping for holidays is also not so cheap, buying season clothes and other related items that you need on your holiday trip, Expenses of hotel booking and costs for outside ride on any vehicle are all making it too costly. But when the matter is on your family’s demand and expectations than you have to take care of the various need of your family.

Andrew Kyriacou Holiday Tips #3: Don’t Go Into Debt During the Holidays!

When you want to impress your family with a surprise of a grand holiday package, please don’t get into debt because of your need to impress. Credit cards and borrowing money from any lender comes with extremely high interest, which will put you in a hole that you will have a hard time getting out of once the holidays are over.

Stay within your reasonable budget because once you make a decision to borrow money at high interest, the cycle will repeat itself the next year.

Andrew Kyriacou Holiday Tips #4: Save in Advance

Always start saving earlier when you know the expenses are coming soon. Any amount you can save is fine, but you must do it. Open a savings account the gives you a little interest on your money, and simply set up an auto transfer each week or month. Make it an amount that won’t affect your normal expenses. Trust me, it adds up.

If you read these Andrew Kyriacou holiday tips carefully then you may not have any issue with your holiday planning.

The Bottom line:

These are the Andrew Kyriacou holiday tips that can help you to enjoy your vacations without any depression of finance. You can satisfy the desires of your family by providing them with all the luxuries that they expect during the holidays.

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Andrew Kyriacou Market Report – November 1, 2018

Andrew Kyriacou Market Report cover

Andrew Kyriacou market report back again. Here are the questions and answers we’re looking into in this issue: Are we in the longest bull market ever? Why is this bull market important? Will a hike in interest rates arrest the market? …let’s dive into this market report.

Are We In The Longest Bull Market Ever?

The short answer is yes… but let me explain.

Basically, a Bull Market is a when the price of trading stocks are on a continual growth path or may grow according to the expectation of the investors. The most common definition for the start of a bull market is a rise of 20% in the market, and then regular growth throughout the extent of that Bull Market. A Bear Market then, is the continual decline of the market beginning with a 20% decrease in market price from the highest mark.

There are a few conflicting opinions about this current market, but for most investment advisors and strategists the current bull market began on March 9, 2009. This was just after the financial crisis had sunk the S&P 500 to an appalling low of 666.

On August 22 of this year, the current bull market turned 3,453 days old, making it the longest bull market in history. These markets are risky because you may get profits, or can get huge losses because your never know how long a bull market will last. There is no surety that you always get a profit.

Read my full .pdf report here:

Andrew Kyriacou Market Report Cover