Malware

“Malware” is short for “malicious software”.  Malware is any software that is intentionally designed to cause damage to your computer or programs.  The term could refer to viruses, worms, Trojan horse and spyware, to name a few. Malware exploits security defects in software.  It looks for loopholes to exploit. The best-known types of malware are…

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CyberCrime in the Workplace

It’s a sad fact of business life today.  The same internet which allows a small business to reach markets all over the world, that puts customer contacts at your fingertips and lets people find you fast is also the new Wild West of crime.  We have had to learn a new vocabulary, with words like…

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Protecting Your Personal Cyber Information

By Courtney Casey, Accent Computer Solutions We’re living in a time where cybercrime and ransomware attacks are announced like the next big box office hit. They’re making an impact worldwide, causing headaches and financial troubles for many businesses and consumers. So, how do you stay safe from these threats? Here are a few tips to…

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Trust

A trust (a collection of assets) is a legal agreement through which funds or assets are held by a third party (the trustee) on behalf of a beneficiary.   It is often considered an alternative to a will. The one major benefit from a trust is that the assets can be passed to beneficiaries without using…

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Managing Financial Wellness: Family Offices

Managing wealth requires considerable time and attention. While this may seem easy, family business, philanthropy, personal and other obligations can make demands that leave little time to concentrate on oversight, investments, addressing individual needs and distribution.  In many cases, the solution for wealthy families is to outsource everyday management and maintenance tasks, so that lives…

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Looking at the Yield Curve

Looking Back at March Thinking that the United States and China might be close to a trade deal caused the market to be relatively quiet in March – until the last week when the yield curve inverted.  Essentially this means shorter term interest rates became higher than longer term rate.  This yield curve inversion caused…

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Unconventional (Alternate) Investment Opportunities

Financial Advisors often get asked about Investment Opportunities outside of the mainstream.  While these options are not typically offered as part of a Financial Plan, a professional financial advisor can provide insight and help evaluate the upside and the risk in these types of investment options. There are numerous alternate, or unconventional, investment options.  The…

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Real Estate Investment Trusts (REITS)

A real estate investment trust, known as a REIT, is a company that owns income-producing property.  As a small investors, you can purchase shares of a REIT (if they are publicly traded) through an ETF or mutual fund. There are several types of REITS.  Two of the most common are Equity REITS and Mortgage REITS.…

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Can the Market Continue Its Move Up?

Looking Back at February January and February have been very productive months for the market. Most US companies have reported earnings for last quarter.  In general, while not as robust as last year, they are positive.  The Federal Reserve (Fed) has decided to keep interest rates where they are for the moment, while continuing to…

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