Judy Loy
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American Capitalism: To Be or Not to Be
in Business Columns, Columns, Community & Entertainment, Local News, State College, StateCollege.com—
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Do I believe that income inequality is harming America? Yes. I believe this comes from the changing business climate rather than capitalism. My belief and hope are that the cry for socialism is a cry for a reworking of American capitalism.
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Understand the Different Types of Income When Planning for Retirement
in Business Columns, Community & Entertainment, Faculty Q&A, Local News, State College, StateCollege.com—
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When planning for retirement, it is important to consider all sources of income. There are three sources of income throughout life: social capital, human capital and financial capital.
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It’s Not About the Money
in Business Columns, Business News, Columns, Community & Entertainment, Local News, Other, State College, StateCollege.com—
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You may think being an advisor is all about numbers, growth and investments. It is certainly that, but it’s also a lot more. The realization hits home when the couple you have advised for more than a decade comes to their retirement date. The work, the savings and the plans come together to create
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Know Your Options for Financial Gifts and Charitable Giving This Holiday Season
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With the holidays and the end of the year approaching, people are thinking about gifts and charitable giving. There are many ways to give, but some ways have more advantages than others. If you are lucky enough to have funds or investments which you feel you can give, here are some various ideas.
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What to Know About Exchange-Traded Funds
in Altoona, Business Columns, Business News, Columns, Local News, Other, State College, StateCollege.com, Williamsport—
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The typical investor puts money into their retirement plan and sets an allocation of mutual funds to fit their time frame and risk tolerance. Mutual funds have historically been the investment of choice for plans and investors in general, but there is a (relatively) new kid on the block, Exchange-Tr
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Annuities: The Good, the Bad and the Ugly
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Depending on what or who you read, annuities are either the best thing for people in retirement or the worst investment option available. In reality, annuities have gotten a bad rap for several reasons.
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The Future of Business: Blockchain
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Blockchain technology helped with the emergence of Bitcoin but its potential for business changes is explosive.
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Retirement Basics
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As pension plans (defined benefit plans) gave way to 401(k) (defined contribution plans), more and more people now depend on investments for their retirement. There are some simple steps to take that can help you towards a successful retirement.
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The Return of Inflation and Rising Interest Rates
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Inflation is the rise in prices for goods and services and thus the worth of the currency is falling; inflation can also be described as the decline in purchasing power of a currency. A ‘normal’ inflation rate is part of a healthy economy and the Federal Reserve has as one of its three goals,
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Italy and the European Economy: A Troubled Beauty
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This past month I was lucky enough to join a group of friends for a trip to Italy. My husband, Steve, and I have never been to Europe so it was a trip of a lifetime. My travel made me want to learn more about the economy and government of Italy and their precarious position…