Financial (51)

Friday, 30 September 2022 13:43

Is Real Estate a Good Investment?

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“Selling a house is far from an overnight process and paying realtor or broker commissions can eat into your profit margin. Despite these issues, rental real estate can be a great addition to a portfolio...”

SARATOGA SPRINGS —Market prices for natural gas are expected to increase this coming winter heating season. 

Monday, 29 August 2022 13:23

The Stories We Tell Ourselves

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“...history is littered with destructive decisions made by individuals based on this type of predictive analysis.”

Thursday, 11 August 2022 19:50

Revisiting Life Insurance

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As a Certified Financial Planner®, I find that many people are confused about what kind of life insurance they should have. 

Friday, 22 July 2022 15:08

The “R” Word: Recession

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It is at the tip of everyone’s tongue. It is the lead story every night on the news. Of course, I’m talking about a recession. Beyond the sensationalist headlines and the actual financial pain felt by millions of Americans lies the question: “What can I do about it?” A pragmatic approach shifts the focus from worrying to doing. These periods are never fun for anyone involved, but they are expected throughout history. With that, let’s examine what defines a recession and what it means for you.

Friday, 08 July 2022 13:09

An Economic Affirmation

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Sometimes, during times I like these, I wonder what I can write that I haven’t already written or said a hundred times; or that you haven’t already heard others say over and over. It’s during times like these, however, that repetitive reassurance is most needed. With so much doom and gloom everywhere we look, frequent economic affirmations may actually be helpful!

Friday, 24 June 2022 13:51

The Path Forward

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In times like these, it is hard to see any way out of the endless stream of bad news and the stock market’s downward spiral. Is this part of the normal ebb and flow of economies and markets, or has there been a fundamental change that will usher in a new era? It is impossible to know the answer to that question in real-time, but today’s exercise will focus on getting back to some semblance of normalcy in the financial world. What does that look like, and how do we get there?

During times of economic uncertainly and market volatility, we are often reminded that fear is generally a greater motivating factor than greed. It is during these times that prognosticators of doom gain traction, and individual investors make unwise choices out of fear of losing it all. While nobody can be certain of what the future holds, we can look to the past for clues and, in doing so, temper our reaction.

Those with a well-functioning crystal ball sold all their stocks, bonds, and cryptocurrencies at the beginning of this year. For everyone else, there haven’t been many places to hide. After last year’s tranquility, we are being reminded daily that investments can, in fact, decline in value. These periods can paralyze investors with fear, so it is a valuable exercise to step back and assess the situation objectively. Your perspective on the actions to take depends on a few things, but mostly the stage in your investment timeframe.

SARATOGA SPRINGS — Commissioner of Finance, Minita Sanghvi, released the city’s Quarterly Financial Report for the quarter ending March 31, 2022. 

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