A December to Remember

Looking Back at December I’m sure we’ve all had a few sleepless nights over the market the last few months.  And, being anxious over the swings is understandable. There are several reasons for the volatility – some, somewhat logical;  others, emotional: 1) Computer algorithms that trigger buy or sell signals when certain limits are hit…

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Cybersecurity: What You Need to Know

Cybercrimes aren’t anything new, but cyber attackers have become sneakier and more aggressive. As a result, companies are becoming increasingly proactive about protecting their technological profiles, especially as some of the biggest data breaches in recent history happened to companies such as Yahoo, JP Morgan Chase, Target, Starwood Hotels, eBay and more. The Yahoo data…

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Yield Curve

A yield curve is a graph that plots interest rates at a certain point in time for different length bonds (of equal credit quality).  The most common yield curve compares the 3-month, 2-year, 10-year and 30-year US Treasury debt.  The rates serve as a guide for other rates, such as mortgage rates or bank lending…

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A Tough October Turned Into a Tougher November

Looking Back at November November was perhaps the most volatile month in 2018. Two major conditions that influenced the market: The fear that the Federal Reserve Bank (Fed) would continue to raise interest rates in December (and several more times in 2019) and the uncertainty of trade with the possibility of increased tariffs. Both conditions “spooked” the…

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Tax-Loss Harvesting

Tax-loss Harvesting (or tax-loss selling) is a way to help eliminate gains from stocks you may have sold during the tax year.  This benefit is for taxable accounts; generally it does not apply to IRAs or 401ks.  If you have an investment that has lost money during the year, then you can sell it at…

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Sharing and Giving Thanks

Most Americans trace the history of the traditional Thanksgiving holiday to the 1621 harvest feast between English colonists (pilgrims) and the Wampanoag people. The Pilgrims contributed fowl (possibly turkey, but more likely geese or ducks) while the Wampanoag people brought venison to the feast, which may have also included fish, vegetables, and beer. Although these…

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Is Tax-Loss Harvesting Right for You?

As this year draws to a close, you may be looking closely at your accounts and considering your options in order to start 2019 in the best possible light. Whether you are searching for tax breaks, investment opportunities, or other financial benefits, a careful review of all your options is crucial.     One such…

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A Tough October

Looking Back at October   The S&P 500 lost 6.8% in October 2018 (total return). It was the worst month in more than seven years (since the September 2011 loss of 7.0%).  It was also the worst October since the index fell 16.8% in October 2008, the beginning of the global real estate crisis. The…

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Sustainable Investing

As consumers continue to raise expectations of being social responsibility for our planet, they have also become very aware of companies that are socially aware and taking responsibility for their environmental impact.  Early on, companies taking an active role in being environmentally conscientious tended to be small with products or services that were difficult to…

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