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How are you today? Tell us what you want to hear from us. If you want to stay up-to-date with us, follow our page. OM In...
09/16/2026

How are you today?

Tell us what you want to hear from us. If you want to stay up-to-date with us, follow our page. OM Investments | LinkedInOM Investments | LinkedIn https://www.linkedin.com/company/ominvested/?lipi=urn%3Ali%3Apage%3Ad_flagship3_detail_base%3BFIUypdmmTyeFsyGUS%2BU8HA%3D%3D

OM Investments | 198 followers on LinkedIn. Helping You Achieve Life & Financial Goals From a Trusted Relationship by Financial Planning, Strategy, & Simple Tips. | Invested in You. Chartered Financial Consultant Steve O. Oniya, CFP®, ChFC®, MBA and OM Investments are helping working profe...

Pivotal Research 2026: Crypto Fans Have an Alternative to Savings Accounts. Banks Are Freaking Out. by The Wall Street J...
09/15/2026

Pivotal Research 2026: Crypto Fans Have an Alternative to Savings Accounts. Banks Are Freaking Out. by The Wall Street Journal

"Wendy Owusu keeps about a quarter of her cash in # stablecoins, earning a of about 5%. Her traditional savings accounts pay almost nothing.

I’m gonna go where I’m treated best,” said Owusu, a analyst and in .

Stablecoins aren’t yet widely used as or , and mostly remain a way for the crypto conversant to buy other or transfer money. But the are starting to catch on among some crypto users as a way to park and earn yields—a development that banks are determined to stamp out before it gets any bigger.

In January, crypto exchange Coinbase helped derail the advancement of legislation to establish a legal framework for , saying it opposes any such push that would prohibit rewards. Banks say allowing stablecoins to pay would turn the digital tokens into de facto accounts, without the same protections.

Ashley Wright, a 31-year-old consultant and in , started using stablecoins to send money to family in because she said it was faster and cheaper than .

One reason for concern: aren’t insured by the Federal Deposit Insurance Corporation (FDIC) Corp., a fact stressed by JPMorganChase Chief Executive in a CNBC interview.

Big are themselves exploring stablecoins to ensure they stay competitive on payments. But they warn that some $6.6 trillion in their customer could be drained if yield-bearing are allowed to flourish. The industry says that would hurt their ability to and would cripple the broader , while moving ’ money into firms that aren’t as closely regulated." - Dalvin Brown

Read the full article for more:

https://www.wsj.com/finance/currencies/crypto-fans-have-an-alternative-to-savings-accounts-banks-are-freaking-out-b42fdec5

Time will tell if new or innovative and processes improve us or hold us back as incumbent relations mention.

#1

Stablecoins—and the yields they can offer—are at the center of a fight between the crypto and banking industries.

Pivotal Research 2026!: Americans Are Leaving the U.S. in Record Numbers by  Wall Street Journal "More citizens are repl...
09/03/2026

Pivotal Research 2026!: Americans Are Leaving the U.S. in Record Numbers by Wall Street Journal

"More citizens are replanting overseas, drawn by a quality of life made easily affordable by the U.S.’s enviable salaries. “I wasn’t expecting to be surrounded by this many Americans.”

Beneath the stormy optics of that crackdown, however, lies a less-noticed reversal: America’s own citizens are leaving in record numbers, replanting themselves and their in lands they find more and .

Yet data on residence permits, foreign home purchases, student enrollments and other metrics from more than 50 countries show that Americans are with their feet to an unprecedented degree.

Some commentators have labeled this wave of the “ ” since numbers have spiked under President Trump’s second term. But the phenomenon has been building for years—fed by the rise of , mounting and an appetite for foreign that feel within reach, especially in .

In nearly all of the ’s 27 member states, the number of arriving to live and work is at a record and rising.

If there was any thought that this was a fleeting pandemic-era experiment of nomads logging in from distant shores, data hints at its longevity.

The booming number of new relocation companies say they’re struggling to keep up with demand. They include LuxNomads for the well-to-do; G**O Tours, attracting critics; Blaxit Global, for Americans, and She Hit Refresh, for the biggest boom market of all, . A Gallup poll last year found 40% of American women, ages 15-44, would like to permanently move , if possible. By comparison, in 2023, the same pollster found that a slightly smaller proportion of sub-Saharan —37%—wished to do the same.

The bargain: The U.S. has larger salaries, mobile talent and millions of citizens craving a better . needs such workers—and their income—to prop up a pension system so top-heavy that retirees now outearn working age adults, according to the Income Study, a research agency. European salaries are constrained by high taxes and low growth. , and real-estate agents want foreign clientele.

McCoy, 45, has since relocated to and works as a consultant helping other with more limited means join the emigrant wave. “You’ll still find people saying only rich people can do this. I have had 15 American clients move to that have been on social security or disability or both,” she said.

“In Albania, you can very easily right now survive on $1,000 a month,” she added. 'I have another consultation with someone tonight.'" - Drew Hinshaw

and Joe Parkinson

Read the full article for more:

https://www.wsj.com/us-news/americans-leaving-the-us-migration-a5795bfa

#1 for the well-to-do; G**O Tours, attracting critics; Blaxit Global Podcast, for Black Americans, and She Hit Refresh, Luxury Nomad Tours & Transfers Blax int She Hit Refresh Gallup

More citizens are replanting overseas, drawn by a quality of life made easily affordable by the U.S.’s enviable salaries.

Pivotal Research 2026!: America Is Falling Out of Love With Pizza by The Wall Street Journal"Restaurant chains explore s...
08/24/2026

Pivotal Research 2026!: America Is Falling Out of Love With Pizza by The Wall Street Journal

"Restaurant chains explore strategy changes as sales slow for delivery mainstay

Once the second-most common U.S. restaurant type, are now outnumbered by shops and food eateries, according to industry data. Sales growth at pizza restaurants has lagged behind the broader fast-food market for years, and the outlook ahead isn’t much brighter.

Today, shops are engaged in price wars with one another and other kinds of . apps have put a wider range of cuisines and options at ’ fingertips. And $20 a pie for a family can feel expensive compared with $5 fast-food deals, frozen or eating a home-cooked .

Pizza’s dominance in restaurant fare is declining, however. Among different , it ranked sixth in terms of U.S. sales in 2024 among chains, down from second place during the 1990s, Technomic, Inc. said.

The number of pizza restaurants in the U.S. hit a record high in 2019 and has declined since then, figures from the market-research firm Datassential show.

As growth in pizza sales stagnates, between has intensified. Sales at Domino's Pizza have grown as the has rolled out such as a $9.99 offering for a large pie with toppings.

At Pizza Hut, sales at locations open at least a year have declined for eight straight quarters. Moreover, it has hundreds of dine-in locations, which occupy larger footprints, are more costly to operate, and account for a shrinking slice of where people eat .

Papa Johns Pizza has opened the door to selling the , though said they are focused on a broad turnaround strategy. The chain has spent the past year assessing its business, with executives looking to change everything from its strategy to how it builds its .

are becoming choosier, and Papa John’s has to step up its menu offerings and , said Thanawala, the chain’s CFO. That means offering more side dishes at good prices, including ones baked in the chain’s ovens.

The chain is closing some North American restaurants to focus on boosting at locations the believes are primed for growth. Other locations just need a face-lift, said." - Heather Haddon, WSJ

Read the full article for more:

https://www.wsj.com/business/hospitality/pizza-sales-popularity-down-98e8b064

#1

Restaurant chains are exploring strategy changes as sales slow for the food-delivery mainstay.

These National Association of Personal Financial Advisors (NAPFA)  Foundation awards are a testament to the NAPFA  recip...
08/13/2026

These National Association of Personal Financial Advisors (NAPFA) Foundation awards are a testament to the NAPFA recipients helping more people reach and Financial Literacy by leveraging their .

NAPFA 2025 Award Recipients: Steve Oniya, CFP®, ChFC®, CPWA®, MBA Elijah Essa, CFP® and Brooklyn Brock, CFP®, CEPA®, ChFC®, CKA®

"NAPFA is thrilled to honor a distinguished group of professionals and firms with its prestigious 2025 awards. These individuals and organizations exemplify the standards of excellence and commitment that NAPFA promotes in the field of Fee-Only ."

Read their bios and watch for more below.

https://www.napfa.org/2025-award-recipients

Twice Measure The American College of Financial Services Steve Oniya

The National Association of Personal Financial Advisors is the leading association of fee-only financial advisors. Visit us today to find an advisor near you.

Pivotal Research 2026!: Everyday Traders Go From Fringe Players to Dominant Market Force by The Wall Street Journal"Indi...
08/06/2026

Pivotal Research 2026!: Everyday Traders Go From Fringe Players to Dominant Market Force by The Wall Street Journal

"Individual investors poured a record amount of money into stocks and exchange-traded in 2025, according to analysts at JPMorganChase, topping levels seen during the -stock mania four years ago. The buying spree wasn’t limited to equities: retail investors’ share of option trading volumes is also near records, and they funneled more into the leading gold than in the past five years combined.

The billions that these plowed into the markets this year helped power the S&P 500 through every selloff and toward a 16% gain in 2025, the index’s third back-to-back year of double-digit gains.

Now, retail make up a growing slice of the overall market. They accounted for 22% of industry volume in October, according to data from Citadel Securities, the highest level since February 2021.

"The thesis was that during the pandemic all these people would get involved and then leave,” said Tom Bruni, CMT, CPA, head of and retail-investor insights at the social platform Stocktwits. “Instead, we’ve seen them stick around…and they’ve matured a lot.”

Individual investors’ impulse to pile into stocks when prices slide played a major role in the market’s rapid recovery from April’s tariff turmoil, when President Trump unveiled an aggressive plan for reciprocal tariffs that sent tumbling. Retail traders plowed a record net $40 billion into stocks that month, JP Morgan Chase analysts reported, helping to kick-start the rebound.

That mirrored a similar response after the Covid-19 outbreak in March 2020—another moment in which individual investors stepped in to buy the dip.

“You could argue this is the second time that retail has bailed out the market,” said Steve Quirk, chief brokerage officer at Robinhood. “When there’s a crisis, it’s retail [ ] to the rescue—which is the polar opposite of what it used to be.”

But as more tie their net worth to stocks, a could have a further-reaching impact. It might also stall the movement that has taken shape over the past half-decade.

“I wouldn’t underestimate sensitivities to performance,” Quirk said. If were to fall for a couple of years straight, for example, “we might see behavioral change there,” he said.

“It’s going to move at this pace or a little faster,” said James Kostulias, head of trading services at Charles Schwab. “People are becoming more and more comfortable managing their .” - Hannah Erin Lang, WSJ

Read the full article for more:

https://www.wsj.com/finance/stocks/everyday-traders-go-from-fringe-players-to-dominant-market-force-51edb01b



How have you approached the same situation?

We're not sure the will last. We invite you to add what you're seeing.

What's your stories and experiences?

Forget the GameStop frenzy four years ago—2025 was the year of the retail trader, with individual investors flexing their muscles and exerting more power over markets than ever before.

These are some fascinating pieces and short recaps on     and Hedge  .        #1
07/31/2026

These are some fascinating pieces and short recaps on and Hedge .

#1

Emerging market funds can offer exposure to faster-growing regions and global economic trends that differ from those in developed markets.

Who knew so many other people were curious about hedge funds too!
07/23/2026

Who knew so many other people were curious about hedge funds too!

A hedge fund invests from a pool of money from investors to make a profit. Discover how a hedge fund works and which strategies are used.

Pivotal Research 2025:   Customers Are Madder Than Ever By The Wall Street Journal (Part 2)"Many   now are turning to   ...
07/18/2026

Pivotal Research 2025: Customers Are Madder Than Ever By The Wall Street Journal (Part 2)

"Many now are turning to to field complaints, steering to online before they can reach human staff. Companies say the helps solve simple problems faster and lets representatives spend more time working on more complex issues. But most National Rage Survey respondents gave chatbots ambiguous or modestly unfavorable ratings as tools for .

It also found that consumers who identified as upper class are nearly twice as satisfied with resolution outcomes compared with those in the middle, working, and lower classes. More companies in recent years have taken to stratifying their , providing those who pay for higher-tier memberships with special phone lines and direct access to support.

But the overall trend is downward. Seven percent of the 469 brands Forrester studied improved their score by a statistically significant amount from 2024 in the U.S. and , compared with 25% whose scores fell." - Katie Deighton, WSJ

Read the full article for more:

https://www.wsj.com/articles/american-customers-are-madder-than-ever-b9de4b54

It has never been easier to buy stuff. But dealing with product and service problems has never felt so difficult, consumers say.

Pivotal Research 2025:   Customers Are Madder Than Ever By The Wall Street Journal (Part 1)"It has never been easier to ...
07/11/2026

Pivotal Research 2025: Customers Are Madder Than Ever

By The Wall Street Journal (Part 1)

"It has never been easier to buy stuff. But dealing with product and problems has never felt so difficult, consumers say.

Seventy-seven percent of customers reported experiencing a product or service problem in the previous 12 months, according to the latest National Customer Rage Survey, conducted in February.

That was a new high, surpassing 74% in 2023, when the study was last conducted, and 66% during the height of the pandemic in 2020. Only 32% told researchers they had experienced a problem in 1976, when a similar version of the study was first conducted.

The and Communications Consumer Insights survey showed seventy-one percent of U.S. and respondents think most companies need to improve their customer experience, a record high, according to the seventh annual study conducted in August and published in November by fintech company Broadridge Financial Solutions.

And the research and advisory firm Forrester in June found that U.S. and Canadian consumer perceptions of the customer experience have dropped for a fourth consecutive year, with brands’ average score reaching a record low of 68.3 out of 100. The index reflects ’ attitudes across six metrics, including how easy a brand is to deal with and how interacting with the feels.

People are partly upset over their feeling that it is much easier to buy products and services than it is to get help when there is a problem, according to Scott Broetzmann, the president and chief executive of Customer Care Measurement & Consulting, which conducts the National Customer Rage Survey with the W.P. Carey School Of Business @ Arizona State University.

Sixty-eight percent said their recent experiences with complaining to companies required high or very high amounts of effort, up from 65% in 2023, the study found. Respondents’ top two frustrations were long to endure before speaking with a representative and trying to figure out how to contact a .

Retailers from Saks Fifth Avenue to Abercrombie & Fitch have also been fighting a rising tide of returns with measures like return fees and shorter return windows, annoying some ." -Katie Deighton, WSJ

Read the full article for more:

https://www.wsj.com/articles/american-customers-are-madder-than-ever-b9de4b54

It has never been easier to buy stuff. But dealing with product and service problems has never felt so difficult, consumers say.

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