Business Columns
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What to Do for Your Year-End Financial Planning
in Business Columns, Columns, Community & Entertainment, Local News, State College, StateCollege.com—
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The last quarter of the year brings fall, winter, Thanksgiving and Christmas. Besides the change of seasons and holiday celebrations, people can do several things to save themselves taxes in 2019 or set themselves up for a successful 2020.
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Cybersecurity for Your Finances
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It’s not uncommon to see a news headline about a data breach at a large company that has the information of nearly every one of us.
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Let’s Talk About It
in Business Columns, Columns, Community & Entertainment, Local News, State College, StateCollege.com—
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When is it okay to discuss money? I would say it’s OK with close friends if you don’t compare yourself to others. All people have different circumstances, values and incomes, and that’s OK. And there are some key points when it’s important to honestly discuss finances with family and advisors
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A Portfolio for All Seasons
in Altoona, Business Columns, Business News, Columns, Community & Entertainment, Local News, Other, State College, StateCollege.com, Williamsport—
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Your investment portfolio should be prepared for all seasons. Different sectors of the market perform better than others at different times. Even though they cannot be differentiated by season, it still makes sense to have them coexist in your portfolio to capitalize on opportunities when they arise
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401k vs. IRA
in Business Columns, Columns, Community & Entertainment, Local News, State College, StateCollege.com—
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401k plans are synonymous with employer retirement plans. While many types of employer plans exist (Simple IRA, Sep IRA and 403b), most employees call their retirement plan a 401k. Many people wonder if they should contribute to their 401k or an IRA. An IRA is an account setup by an individual with
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What Is the Inverted Yield Curve, and What Does It Mean for the Economy?
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There have been some turned heads this week about the inverted yield curve. Some of you may be asking what is an inverted yield curve? It is a phenomenon in the bond market in which longer-term interest rates fall below shorter-term interest rates and has historically been a warning sign that a rece
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The Ins and Outs of a Roth IRA
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A Roth IRA is a mirror image of a traditional IRA and the real advantage of a Roth comes in retirement. When you begin pulling, qualified distributions are tax-free. All the growth will never be taxed.
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The Effects of Inflation
in Business Columns, Columns, Community & Entertainment, Local News, State College, StateCollege.com—
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It’s hard to read the news in the morning and not see a reference to inflation lately, so I feel it is worthwhile to talk about what inflation is and what it means for us.
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Facebook Challenges Bitcoin
in Business Columns, Business News, Columns, Community & Entertainment, Local News, Other, State College, StateCollege.com—
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By Judy Loy RICP®, ChFC® and CEO of Nestlerode & Loy, Inc. The biggest cryptocurrency, or digital currency, Bitcoin, has been around since 2009. While innovative, Bitcoin has been incredibly volatile. At its high, one Bitcoin was worth $20,089 U.S. dollars. It currently sits at about $10,269.13. It also has limited purchasing power. Companies that…
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What Are the Core Values of the Companies You Invest In?
in Business Columns, Business News, Columns, Community & Entertainment, Local News, Other, State College, StateCollege.com—
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Do you know the core values and beliefs of the companies you invest in? You may have heard of responsible investing as it becomes more popular for investors. There are a few philosophies about responsible investing, but the most common one is ESG investing.