Investing

Supply and Demand

The law of supply and demand states the price of a good or service is at the intersection of the supply and demand curves of that good or service. In other words, the price is where buyers and sellers come together and agree to transact. The higher the price a buyer is willing to pay …

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Investing

Collision Course

I’ve said this before, but I’m going to say it again. We are conditioned to expect crashes in asset markets. After the tech bust in 2000, the Great Financial Crisis in 2008-2009 and the global pandemic last year, we’re more prone to feel the next crash is right around the corner. This is especially true …

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Investing

How Much Risk Should You Take?

Risk is a part of our every day lives. We encounter it in many different forms with health and financial risks probably being the biggest risks we face. We purchase insurance policies to help mitigate many of the risks we face, providing protection for ourselves and for our loved ones. Managing risk is a critical …

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Uncategorized

UTMAs and UGMAs

We discussed education planning in last week’s post. What if you don’t think your child is college material? Well, some of the planning tools mentioned above can be used for trade schools and other professional programs that aren’t university related. Other options exist that enable parents to save for their children’s future. The Uniform Gift to …

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Investing

Education Planning

Education Planning Most parents want to save money for their children’s future whether it be for college, a wedding, or a first-time home purchase. Many options exist with different pluses and minuses. A variety of education savings accounts and tax credits are available to assist parents in saving for and paying for their children’s education …

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Uncategorized

Inflation Expectations versus Reality

Higher inflation expectations have been ramping up for months and are fully mainstream now. You can read about higher inflation everywhere these days, whether it’s higher commodity prices, higher housing prices or comments from companies about raising goods prices because input costs have risen. Additionally, many argue fiscal stimulus in the form of money delivered …

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Investing

Pricing in Reality

We’ve previously highlighted the reversal in 2020’s outperformance by a group of stocks classified as Stay at Home stocks relative to a group of Reopening stocks. Energy, Financials, Materials, Industrials and even Real Estate stocks have turned in strong year-to-date performances while Technology, last year’s winner, is among the laggards. Reversionary moves in sectors are …

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Finance Investing

Rainy Day

How much do you need to have in reserve for unexpected events? The popular financial gurus have their opinions which can range anywhere from three to eight months of living expenses in savings. Being prepared is the name of the game. Whether you’re laid off, become ill, have major unexpected car repairs or significant child …

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