Investments

Give Me Some Credit

During the first hints of volatility at the start of March, the flight to safety drove interest rates to multi-year lows and had lenders cutting mortgage rates to be competitive in what looked like the start of a new home refinancing boom.   The cost to borrow quickly fell to multi-year lows and mirrored the …

Give Me Some Credit Read More »

Call to Action

“When I was a boy and I would see scary things in the news, my mother would say to me, ‘Look for the helpers. You will always find people who are helping.’” – Mr. Rogers     During World War II automotive factories and upholsters retooled to manufacture supplies for the military.  Fast forward 80 …

Call to Action Read More »

Markets Scared Sick

While fear and uncertainty have taken back the year-to-date gains for the major indices, they’ve also reopened a window for long term planning.   The markets are quick to react when a new event flips investor sentiment and distracts from the underlying fundamentals, but you shouldn’t lose sight of your long term goals.   Fear …

Markets Scared Sick Read More »

The Value in Value

Value stocks have a history of lagging growth stocks during the early and middle parts of an economic cycle. Growth stocks show stronger earnings growth earlier on and investors are willing to pay a premium for that. However, in the later part of the cycle when demand increases, capacity becomes constrained, commodity prices rise, inflation …

The Value in Value Read More »

Gifting Gains

One of the challenges of managing portfolios is the tax repercussions of moving out of certain positions and sectors and realizing the capital gains accrued in taxable portfolios. It’s a factor to consider when a stock no longer fits your investment strategy, yet you still have a sizable gain on the position.     Becoming …

Gifting Gains Read More »

Natural Disasters – Preparedness and Giving Back

On the political front, for many people the probability of the unexpected seems higher now than it was with the previous administration. So, it doesn’t seem out of the question that President Trump might inadvertently do something that will scare investors. How will the decisions that are made affect the ability of U.S. and international …

Natural Disasters – Preparedness and Giving Back Read More »

Do Those Things You Want To Do

On the political front, for many people the probability of the unexpected seems higher now than it was with the previous administration. So, it doesn’t seem out of the question that President Trump might inadvertently do something that will scare investors.   How will the decisions that are made affect the ability of U.S. and …

Do Those Things You Want To Do Read More »

First I Was Afraid, I Wasn’t Diversified

At the most fundamental level, investment decisions are determined by two factors: risk and return. While investors may have different goals for portfolio returns and varying appetites for risk, the objective is consistent; maximize returns relative to risk. This is best accomplished through diversification, but constructing a portfolio with a variety of assets does not …

First I Was Afraid, I Wasn’t Diversified Read More »