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Investments

Did you know?

March 16, 2016
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I was recently taking some continuing education and came upon this interesting bit of information. ¬†Citing is directly from Reged.com California continuing education requirement. —————————- The use of annuities gained popularity in the 1930s. This interest grew as a result of a decrease in interest rates and a desire for individuals to ensure a safe…

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A Retirement Crisis?

March 15, 2016
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I saw this very interesting article on CNBC today called, “America’s looming retirement savings crisis“. It certainly is true for the masses that savings have and largely are lagging for most retirees – especially considering how many boomers we should see retiring in the next several years. The old adage still holds true – save…

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Holding Equities for the Long Term: Time Versus Timing

February 15, 2016

Legendary investor Warren Buffett is famous for his long-term perspective. He has said that he likes to make investments he would be comfortable holding even if the market shut down for 10 years. Investing with an eye to the long term is particularly important with stocks. Historically, equities have typically outperformed bonds, cash, and inflation,…

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Monitoring Your Portfolio

February 10, 2016
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You probably already know you need to monitor your investment portfolio and update it periodically. Even if you’ve chosen an asset allocation, market forces may quickly begin to tweak it. For example, if stock prices go up, you may eventually find yourself with a greater percentage of stocks in your portfolio than you want. If…

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Handling Market Volatility

February 9, 2016
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Conventional wisdom says that what goes up must come down. But even if you view market volatility as a normal occurrence, it can be tough to handle when your money is at stake. Though there’s no foolproof way to handle the ups and downs of the stock market, the following common-sense tips can help. Don’t…

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Eleven Ways to Help Yourself Stay Sane in a Crazy Market

February 8, 2016
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Keeping your cool can be hard to do when the market goes on one of its periodic roller-coaster rides. It’s useful to have strategies in place that prepare you both financially and psychologically to handle market volatility. Here are 11 ways to help keep yourself from making hasty decisions that could have a long-term impact…

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Should my partner and I buy a house together even though we're not married?

January 20, 2016
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Answer: If you want to buy a home with your partner, go ahead. Together, you may be able to qualify for a larger mortgage than if one partner alone applied for the loan. However, be aware that unmarried partners have some unique considerations that married couples don’t have. The laws dealing with the distribution of…

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Should You Pay Off Your Mortgage or Invest?

December 4, 2015
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Owning a home outright is a dream that many Americans share. Having a mortgage can be a huge burden, and paying it off may be the first item on your financial to-do list. But competing with the desire to own your home free and clear is your need to invest for retirement, your child’s college…

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Dollar Cost Averaging

September 28, 2015

  If you haven’t started investing towards a long-term goal because you’re worried about short-term market volatility, consider using a popular investment strategy called dollar cost averaging. Dollar cost averaging takes some of the guesswork out of investing in the stock market. Instead of waiting to invest a single lump sum until you feel prices…

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Asset Allocation

September 25, 2015

Asset allocation is a common strategy that you can use to construct an investment portfolio. Asset allocation isn’t about picking individual securities. Instead, you focus on broad categories of investments, mixing them together in the right proportion to match your financial goals, the amount of time you have to invest, and your tolerance for risk.…

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