Risk

So far, since the beginning of this year, the 10-year Treasury note yield has dropped below 1% creating a lowering of mortgage rates and loan rates in general. So that would be good, right? Well, if you are buying or refinancing a home or even getting a car loan this is good. But if you […]

When I say “Off the Grid” most people probably think of independence from the electric company via solar or the ability to have a self- sustainable food supply with a garden or raising livestock. In other words just living like people did many years ago detached from power companies, grocery stores or town sewer and […]

When you hear the phrase “risky investments”, things like penny stocks, futures contracts, option contracts or junk bonds likely come to mind. But those investments or whatever you want to call them are typically used for speculation or as it used to be called “taking a flier” knowing your odds of success are not great. […]

More times than not, assessing a potential new client portfolio, I see a mix of mutual and exchange traded funds. Some of these are managed mutual funds that carry a high expense and some low-cost exchange traded funds, typically to cover the bond allocation. The question to my potential new client is rhetorical in the […]

Why does risk matter? The risk that I am referring to is investment risk made up primarily of market risk when dealing with equities or stocks, and interest rate risk as well as credit risk when dealing with bonds or fixed income. Concepts that I’ve expressed in previous articles, are dealing with quantifying risk and […]