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Happy 4th of July- The Freedom to Invest
This 4th July is a celebration of independence. The celebration is the US leaving the rule of UK which is the birth of the US. Independence is very important. In the investing world, independence can also be important. We should also celebrate our freedom to have so many investing options, asset classes, risks, and account…
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Dinosaurs and Pension Runs
Dinosaurs once roamed earth many years ago. They ruled for a time period then disappeared because of lack of sun, weather, or other unknown reasons. There are different opinions on why the dinosaurs disappeared. Although dinosaurs did rule earth, change happens unexpectedly. This can be seen with pensions and their risk. Recent bank failures were…
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How Safe is Your Cash?
Bank Alternatives for Cash Sometimes cash is like an egg and you just want to sit on it to protect it as a safety net. Save it for a rainy day. But, how safe is it to sit on cash? It’s not like you want to intentionally shatter your precious eggs, right? During times of…
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The New Income Investors
The gift of income has been years in the making. From a 2% world to “real” yield. The yield race is on. Recently we saw the 6 month US Treasury yield hit 4.99%. We now see the 1 year US Treasury hit 5%. Why is this important? For fixed income investors, this is a godsend.…
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Unicorn Layoff & Employee 401K IRA Rollover
The rollercoaster ride of being in a tech startup can be exhilarating. Employees all have a ticking desire to change the world with energy and buzz in the work place atmosphere. Although the ups are good, the downs have some rough turbulence on employees. Startups are like rocket ships, after a few booster engines the…
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High Earner Not Rich Yet (HENRY) 4 Financial Tips
Economic cycles come and go. The ups and downs are similar to trying to soothe heartburn. The ups and downs can be compounded when being a high earner and not yet rich yet (HENRY). HENRY’s usually make income from $100k to $300k. Although HENRY’s pay some of the highest taxes, there are ways to make…
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The Psychology of Investing
Keeping calm amid market turbulence. Join us on this webinar to discuss: What behaviors to watch out for. The impact they can have on your wealth. How to minimize the impact of emotions on your investments. Reach your financial goals with your mind at ease. At the end of the seminar, you will learn about:…
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Mistakes Federal & City Employees Make Before Retirement
Big government agencies, cities and municipalities are becoming larger and financially unsustainable. Many jobs performed by humans are being eliminated. As an employee of a government entity, it’s important to insulate your retirement against the impending robot revolution. Here are 4 common mistakes before retirement to avoid: # 1 – Pension Equals Security The most…
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Top 401k to IRA Rollover Mistakes to Avoid
Every year people do spring cleaning at their homes. The cleaning is to sort, organize, get rid of things, and sometimes repair old items. Just like your house, financial portfolio reviews need to be done periodically. Although they are reviewed, there are common 401k to IRA rollover mistakes to avoid. Accumulating 401k’s The days of…
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The Importance of Crypto in Portfolios
We are now seeing how important crypto is within portfolios. Being a non-correlated asset, crypto investment vehicles are being created by major financial institutions. Guggenheim is registering with the SEC a new fund for financial advisors and asset managers. Cryptocurrency, Digital Assets, or Virtual Currency Investments. The Fund may seek investment exposure to cryptocurrency (notably,…