Judy Loy
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Back to Basics
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During a steep downturn — think March 2020 or the 2008 Great Recession — investors tend to let fear rule their decisions. When stocks rise rapidly, investors tend to get greedy going after winners after they may already be overpriced. The best thing is to stick with the basics.
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Where Are We Now?
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By Judy Loy, Registered Investment Advisor, ChFC® and CEO of Nestlerode & Loy, Inc. Thursday brought the latest U.S. GDP number. GDP stands for gross domestic product and […]
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Change, and What’s Next, in a COVID-19 World
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In the last four months, things have changed drastically around the world. The COVID-19 pandemic took the United States from full unemployment to a 14.7% unemployment rate in 30 days. The markets dropped precipitously in March, hitting a low on March 23. However, the second quarter saw stocks post t
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Black Lives Matter: Addressing Financial Inequities Should Be Part of the Changes We Make
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I start this article with trepidation. I have always been a proponent of equality but stuck with what I knew: feminism. George Floyd’s death on May 25 has focused our country on an insidious problem that persists in our culture, racism. My expertise is in finance so I will concentrate on that in t
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Where Are We Now?
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The economy and individuals continue to struggle this year due to pandemic lockdowns preventing a normal business environment. The latest figures are staggering.
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The New ‘Normal’
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Adding to the discomfort, there are some things you can’t control. The stock market is one of them. Stocks are a leading indicator, which is an economic factor that changes before the rest of the economy begins to go in a particular direction. Leading indicators help market observers and policymak
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Fear Leads to Economic Disruption
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By Judy Loy Registered Investment Advisor, ChFC® and CEO of Nestlerode & Loy, Inc. Store shelves are clear of toilet paper and hand sanitizer. In one day, the stock […]
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What’s for Dinner? The Big Business of Food Service Continues to Evolve
in Business Columns, Business News, Columns, Community & Entertainment, Local News, Other, State College, StateCollege.com—
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The restaurant industry has also gone through a transition from the rise of food service at convenience store, to changes in how fast food places do business, to chains that operate under corporate conglomerates.
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Bonds 101
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We often talk about bonds and fixed income but don’t elaborate. People were uncertain about what bonds were all about and how they worked. They just think as they get older, they need more of them in their portfolios, usually through bond mutual funds.
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A Financial Legacy
in Business Columns, Columns, Community & Entertainment, Local News, State College, StateCollege.com—
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When people think of a financial legacy, they believe working with an attorney on an estate plan will suffice. The reality is much more complicated. Many people, from young to old, dislike talking about money but talking and educating yourself and your family and friends about your wishes and values