By Yann Kostic and Tom Zachystal from the November 2017 Edition You have inherited a sum of money but have some concerns about how to invest it, as there are many options available to you. Traditional wisdom would be to invest any large sum of money using a method called dollar-cost averaging, which simply means […]
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By Yann Kostic and Tom Zachystal from the October 2017 Edition Ideally, we would all retire debt-free, but we are a nation of borrowers. As of December 2016, the average American household debt totals more than $135,000, according to a Nerd Wallet credit-card debt study. Credit card debt for the average household carrying a balance totals […]
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By Yann Kostic and Tom Zachystal from the September 2017 Edition Some companies use fear mongering tactics to sell living trusts to people who simply do not need them. So how do you know if you are really a good candidate for a living trust? The primary advantage of a living trust which is a legal […]
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By Yann Kostic and Tom Zachystal from the August 2017 Edition Many, if not most, investors do not have the expertise to make all their own investment decisions, and therefore would want to consider talking to a reliable financial advisor. While nothing can guarantee a financial advisor’s reliability, there are some things you can look for. […]
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By Yann Kostic and Tom Zachystal from the July 2017 Edition Small-cap stocks appeal to some investors because of their potential for strong growth. But are you in the right position to invest in them? What are small-cap stocks? The market capitalization of a company is its stock price times the number of shares it […]
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By Yann Kostic from the June 2017 Edition It’s a long-standing issue and the subject of much debate: If you have extra money, which should you do first – pay off debt or invest? In fact, you have three options. For example: You can use extra money to pay off debt. Whether you should pay […]
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By Yann Kostic from the May 2017 Edition Although interest rates fell precipitously in the early 1980s, they are now on the rise through the Federal Reserve System. Higher rates will resonate through virtually every sector of the economy, including investments; more specifically, the increasing interest rates can be bad for bonds. And many fixed- […]
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By Yann Kostic from the April 2017 Edition Americans expats hear a lot these days about the importance of saving for retirement, but what is equally important is how to manage their IRA’s once they have retired. Individual retirement accounts (IRAs) and 401(k) are one way to build a nest egg, but the variety of […]
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By Yann Kostic from the March 2017 Edition As spring arrives, many of us look forward to spring cleaning our homes dusting the corners, organizing cabinets and airing it out in preparation for a new season. But spring is also a good time to get your financial house in order. That means you may want […]
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By Yann Kostic from the February 2017 Edition Rising interest rates are generally bad for bond funds. This is very important for bond investors today to understand. An example to explain why. Let’s say you purchased a bond with a coupon of 6 percent at par, for $1,000. You will receive annual interest of $60 […]
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