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

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?
3 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
7 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
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Social Media and Big Brother
11 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
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The Minimum Wage Battle
15 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
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Investing in Fear and Greed Can Lead to Disastrous Results
19 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
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Planning When to Take Social Security is Not So Simple
23 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
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Digital Currency Creates Bitcoin Drama
27 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
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The One Percenters and the Great Divergence
31 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]
Financial Fitness: Getting Investments in Shape for 2014
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Financial Fitness: Getting Investments in Shape for 2014
35 weeks ago - StateCollege.com - Judy Loy
What investment accounts do you have? What loans do you have? Create your own Net Worth statement, showing total assets minus liabilities. What do you most want to improve on? Lower debt-load? Larger emergency savings? [Read More]
Year-End Financial Planning: Tax Cutting Tips
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Year-End Financial Planning: Tax Cutting Tips
39 weeks ago - StateCollege.com - Judy Loy
After the Christmas holiday winds down, 2014 will be right around the corner. With one week left in the year, what can you do to help yourself tax-wise and investment-wise in the New Year? [Read More]
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