State College, PA - Centre County - Central Pennsylvania - Home of Penn State University

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

The New Loan Environment
Column
The New Loan Environment
5 days 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
Column
Heading Toward Retirement
5 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?
Column
Penn State Students are Back, Are They Getting Their Money's Worth?
9 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]
Merger & IPO Mania on Investors Radar
Column
Merger & IPO Mania on Investors Radar
13 weeks ago - StateCollege.com - Judy Loy
Corporations are looking at going public because the economy is improving and the stock markets are near highs. As they say, 'Strike while the iron is hot.' The airlines have been holding strong with both Jetblue (JBLU) and Southwest Airlines (LUV) up over 30% so far this year. [Read More]
Social Media and Big Brother
Column
Social Media and Big Brother
17 weeks ago - StateCollege.com - Judy Loy
Privacy is becoming an archaic concept. A questionable photo on Facebook or a rant on Twitter can get one expelled, destroy a marriage or upend a job ... How much privacy are we willing to give up for a large firm's profits? [Read More]
The Minimum Wage Battle
Column
The Minimum Wage Battle
21 weeks ago - StateCollege.com - Judy Loy
WalMart and McDonald's workers have staged protests asking for a 'living wage' of $15 an hour. On the flip side, conservatives maintain that raising the minimum wage would cause businesses to make do with less and hire fewer workers ... [Read More]
Investing in Fear and Greed Can Lead to Disastrous Results
Column
Investing in Fear and Greed Can Lead to Disastrous Results
25 weeks ago - StateCollege.com - Judy Loy
Scare tactics take many guises, from the innocuous to the really damaging. Some salespeople have been trained to do it for every sale. For instance, "If you don't invest in the (annuity, penny stock, etc.) now, you will miss the (guaranteed rate, huge gain, etc.)" [Read More]
Planning When to Take Social Security is Not So Simple
Column
Planning When to Take Social Security is Not So Simple
29 weeks ago - StateCollege.com - Judy Loy
In 1965, people lived only 13 years in retirement. In 2013, the average time in retirement was 21 years. Given the life expectancy of women (81 years) and men (76 years), people on average will spend almost 27% of their lives in retirement. [Read More]
Digital Currency Creates Bitcoin Drama
Column
Digital Currency Creates Bitcoin Drama
33 weeks ago - StateCollege.com - Judy Loy
There is much opportunity for global commerce in alternative currencies. For instance, internet entrepreneurs, the Winklevoss twins, just bought tickets for outer space from Virgin Galactic with bitcoins. [Read More]
The One Percenters and the Great Divergence
Column
The One Percenters and the Great Divergence
37 weeks ago - StateCollege.com - Judy Loy
The highest earners' income increased 31.4% from 2009 through 2012, while everyone else saw their income rise by only .4%. Particularly disturbing is that while the 1% has gained in their proportion of wealth, as of June 2013, 15% of our population was on Food Stamps. [Read More]
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