Posts From Ross Heart

Ross Heart
Ross Heart is the operator of Heart Capital, a small investment company he founded in 2004. Ross entered the financial industry in 1993, working at Merrill Lynch for a number of years, before starting an investment operation for a community-owned bank. He has degrees in Economics and Finance, and enjoys competing with Wall Street from Northern Wisconsin, where he feels he can tackle some of life’s most important pursuits with his wife and two children. Ross has served on boards at his Alma Matter, kid’s school, local chamber of commerce, and city, and has written an investing column for a regional newspaper. Heart Capital’s investment approach is a value-based, tactical one utilizing individual securities and provides the ultimate in transparency for clients.
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How Much Future GDP Has Been Stolen By Fed ZIRP?

A few months ago, an entity I’ve been associated with was contemplating a major purchase to replace an older piece of machinery. The current asset was certainly usable and far from obsolete, but the “research” undertaken to evaluate the cost-effectiveness of a new model proved a bit startling. The scrutiny to purchase fell to a simple analysis: that there was enough money available to make the purchase sitting in cash-equivalent

Is A Market Top Forming? 6 Things To Watch For

In the stock market, there seems nothing more romantic than someone ‘calling’ a market top. At some point we’ve all likely succumbed to making our own ‘call’, eventually wising up and yielding to the grizzled veteran approach of insisting that market tops are indeed a process and not a particular point. This post is not a ‘call’, but if I were to go looking for the process, the following 6 items would

A Financial Conversation With Millennials

A young couple recently put me on the spot asking for financial advice as they began their journey in life together. Did I have any words of wisdom? I stumbled, bumbled, and stammered unable to give any semblance of a cohesive answer. All I could think of was the mountain of college debt they likely had, the unaffordable housing that stares them in the face, the changes their generation of

Investor Questions: Trying To Solve The 2014 Financial Market Riddle

Entering 2014’s second half, a number of investor questions and random thoughts are swirling around in my head. In an effort to put together some of the market’s puzzle pieces, and to try to get a grasp on an increasingly difficult environment to decipher (and invest in), I’m asking myself a number of market-related questions. And I’d be curious to know yours as well. Here’s my list: Can you remember

5 Investment Surprises For 2014

Let me preface my list of investment surprises for 2014 by alerting you that these are in no way whatsoever to be considered recommendations. This list was compiled with the element of surprise in mind so the likelihood of them actually occurring should be viewed as such. In the event of their occurrences, however, each would have obvious investing implications. Here goes: 5 Investment Surprises For 2014 1)     Apple (AAPL) unveils a blockbuster and/or

Twitter Tips For Investors: Maximize Returns, Avoid Pitfalls

Investors have tagged the now publically-traded Twitter, Inc. (TWTR) with a near $40 Billion market capitalization as we enter year-end 2013. Yes, it’s been mentioned by some in the context of a bubble, and many have questioned that market cap in light of current losses and sketchy prospects for profit going forward. BUT, the fact remains that its popularity, usefulness, and importance for investors has only grown. And with this

Premium Price Bubble May Soon Hit Consumer Demand

On the very first day of Economics 101, you will see the below chart. This simple illustration identifies (in theory) the optimal price of a product (P), where the supply curve of a good (S), intersects the curve representing the range of consumer demand (D). Basic yet essential. Over my past few posts I’ve highlighted a few trends to put on your radar screen through the remainder of 2013 –

Housing Market Booming, But New Home Construction In Trouble

On July 27th, the Wall Street Journal’s Weekend Investor section advised home buyers with the headline: “How to Win a Bidding War.” When newspapers pump out top-of-the-fold headlines like this, you can rest assured that the housing market is most definitely back. Recently, I’ve covered a number of longer-term themes that I’m watching through 2013’s second half and potentially beyond – Margin Debt, Apple’s Success, and Where’s the Beef?  This

Rising Beef Prices Have Consumers Asking “Where’s the Beef?”

As an investor you’re a detective by default – you may prowl for signs on a chart, dig into a balance sheet for hidden clues, or maybe you stumble across anecdotal evidence that triggers an investment idea. Perhaps occasionally it’s a combination of things you’ve patched together. Searching for these clues as the second half of 2013 develops, I’ve found myself asking – how far does the market have to drop

The Apple Ecosystem and Its Far Reaching Economic Implications

Entering the 2nd half of 2013, I have targeted five different themes to investigate, research and evaluate in a search for emerging economic trends and investing ideas. The first theme in this series focused on margin debt. Today, I will delve into one company’s colossal achievements that could eventually have major implications (both positive and negative) during the next economic slump. That company is none other than Apple, Inc. (AAPL), led