E.J. Smith

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E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998. E.J. has trained at Sig Sauer Academy in Epping, NH. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West (RIP JB) and Paris. Please get in touch with E.J. at ejsmith@youngresearch.com Click here to sign up for my free monthly Survive & Thrive letter.

Gold, Speculators, and You

The temptation to be a speculator in this market is high thanks to some neck snapping stock market volatility, surging gold prices and pathetically...

The Trouble with Annuities

You may have learned about the trouble with annuities. In its simplest form, an annuity is an arrangement in which you give an insurance company a lump sum of money and in exchange you receive payments over time. For a fee, that is. At the end of the day, what you’re really doing is giving up control over your money to some investment board that promises to pay you back over time. Assuming, of course, that it stays solvent.

The Biggest Annuity Mistake

I don’t like annuities. I know there are ways they can make sense in some portfolios, but for the majority of investors they’re a...

A Crucial Bond Fund Metric

When it comes to your bond money, you want to live to fight another day. To make sure you do, I recommend that you...

Bernanke Gets an “F”

How would you grade Federal Reserve chairman Ben Bernanke on the way he’s protected the value of your U.S. dollars? I give him an...

China Criticizes Panama for Scrapping HK Port Contracts

COSCO Shipping has suspended operations at Balboa Port, located...

Natural Gas Output Surges Amid Rising Prices and Pipeline Boosts

US natural gas production hit a record 118.5 Bcf/d...

Durable Goods Activity Signals Steady Manufacturing Despite Soft Orders

The US Census Bureau’s January 2026 Advance Durable Goods...

Consumer Spending and Investment Drive 2025 GDP Growth

US real GDP grew 0.7% in Q4 2025, down...