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Judy Loy

Judy Loy, ChFCâ, is a Registered Investment Advisor and CEO at Nestlerode & Loy Investment Advisors, State College, Pa. A graduate of Penn State University, Loy has been with the firm since 1992, assisting clients with retirement planning, brokerage services and investment advice. She can be reached at jloy@nestlerode.com.

Articles by Judy Loy

Congratulations Grads — Now Save!
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Congratulations Grads — Now Save!
1 week ago - StateCollege.com - Judy Loy
The average 2015 college graduate is burdened with $35,000 in student loan debt, making the Class of 2015 the most indebted graduates ever. Finding ways to limit that while in college is a tremendous way to start out on the right foot. [Read More]
The Cost of Regulation
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The Cost of Regulation
5 weeks ago - StateCollege.com - Judy Loy
As with any industry, you have good guys and bad guys. Of course, most of the news is about the bad guys and their misdeeds. My concern with regulators is that the rules are being tailored for the lowest common denominator, with rules piled on top of existing rules. [Read More]
At Any Stage of Life, Just Follow The Basics to Reach Financial Goals
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At Any Stage of Life, Just Follow The Basics to Reach Financial Goals
8 weeks ago - StateCollege.com - Judy Loy
For many Millennials, it is paying the bills, student loans and enjoying life. For Gen X, we are paying mortgages, saving for retirement and starting to reach our peak earning years. Baby Boomers are facing retirement, caring for grandchildren or parents and hitting their highest net worth years. [Read More]
The Golden Years, Making the Most of Your Retirmement Plans
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The Golden Years, Making the Most of Your Retirmement Plans
13 weeks ago - StateCollege.com - Judy Loy
The average U.S. retirement age is 62 up from 60 in 2012. Take this and the fact that a couple at age 65 has a 50 percent chance that one spouse will live to age 90. A person needs to save enough to live at least 25 years without earned income and while keeping up with inflation. [Read More]
To Raise or Not to Raise, That is the Question
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To Raise or Not to Raise, That is the Question
19 weeks ago - StateCollege.com - Judy Loy
Interest rates affect mortgage rates, interest rates on savings accounts and bond rates. Thus, an increase will make mortgages more expensive, saving more attractive and borrowing for companies, governments and municipalities more expensive. [Read More]
Market Volatility is Back For 2015
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Market Volatility is Back For 2015
24 weeks ago - StateCollege.com - Judy Loy
"The four horsemen of the Investment Apocalypse are fear, greed, hope and ignorance. And notice, only one of the four is not an emotion — ignorance. These four things have accounted for more losses in the market than any recession or depression ..." [Read More]
From Oil Plunge to Hollywood Hack Job, It's a Strange New World!
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From Oil Plunge to Hollywood Hack Job, It's a Strange New World!
28 weeks ago - StateCollege.com - Judy Loy
As Warren Buffet famously said, "I will tell you the secret to getting rich on Wall Street. You try to be greedy when others are fearful. And you try to be fearful when others are greedy." [Read More]
The New Loan Environment
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The New Loan Environment
36 weeks ago - StateCollege.com - Judy Loy
The 2008 real estate bust led to the "Great Recession." Banks were lending 100% on homes to people who couldn't afford it. Times have changed and now the pendulum has swung too far the other away. While interest rates are still near record lows, mortgage loans are harder to obtain. [Read More]
Heading Toward Retirement
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Heading Toward Retirement
40 weeks ago - StateCollege.com - Judy Loy
The statistics are particularly bad for those without an employer retirement plan (401k, etc.). Per the Employee Benefit Research Institute, these workers tend to have less than $1,000 in savings and investments. [Read More]
Penn State Students are Back, Are They Getting Their Money's Worth?
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Penn State Students are Back, Are They Getting Their Money's Worth?
44 weeks ago - StateCollege.com - Judy Loy
Why the controversy? The cost of college continues to rise at a higher rate than the overall inflation rate. The average 2013-2104 tuition increase was 2.9 percent at public universities and the historical rate of increase is approximately 5 percent. [Read More]
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