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 Golden Years, Making the Most of Your Retirmement Plans
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The Golden Years, Making the Most of Your Retirmement Plans
1 week 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
Column
To Raise or Not to Raise, That is the Question
7 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
Column
Market Volatility is Back For 2015
13 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!
17 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
Column
The New Loan Environment
25 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
Column
Heading Toward Retirement
29 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?
33 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
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Merger & IPO Mania on Investors Radar
37 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
41 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
45 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]
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