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Understanding the Fed and Why Monetary Policy Matters to Your Finances
When people hear about the Federal Reserve raising or lowering interest rates, it can feel like distant financial news with little connection to everyday life. But the reality is that the Fed’s monetary policy decisions [...]
Rethinking Debt and Considering Strategic Borrowing
Debt often gets a bad reputation, and for good reason. Excessive borrowing and high-interest loans can become a heavy burden on your finances. But not all debt is created equal. When managed wisely, debt can [...]
The Psychology of Spending: Why We Buy Things We Don’t Need
Understanding your financial behavior is just as important as understanding your financial numbers. Many people create budgets, set savings goals, and commit to reducing debt, yet still find themselves spending impulsively or purchasing things they [...]
How to Create a Sustainable Withdrawal Strategy in Retirement
Retirement marks the beginning of a new chapter in life. After years of working, saving, and planning, it is finally time to enjoy the rewards. But one of the most important questions retirees face is [...]
Why You Need a Financial Plan for Your 70s, 80s, and Beyond
Many people spend years preparing for retirement, but fewer take the time to plan for what comes after that initial transition. The truth is, your financial journey does not end when you retire! In fact, [...]
Investing Strategies When Interest Rates Start to Fall
The Federal Reserve's aggressive rate hikes between 2022 and 2024, aimed at curbing inflation, provided investors with the benefit of higher yields on savings accounts and bonds. As a result, many have amassed significant cash [...]
Affinity “Mark” et Minute – January 31, 2023
Investment Commentary – January 31, 2023 Year to Date Market Indices as of January 31, 2023 • Dow 34,086 (2.8%) • S&P 3,855 (6.13%) • NASDAQ 10,915 (10.6%) • OIL $85.12 (-1.74%) • Barclay Bond [...]
Affinity “Mark” et Minute – December 28, 2022
Investment Commentary – December 28, 2022 Year to Date Market Indices as of December 28, 2022 Dow 33,416 (-8.16%) S&P 3,855 (-18.68%) NASDAQ 10,915 (-32.90%) OIL $85.12 (5.08%) Barclay Bond Aggregate (-14.15%) Gold (-0.93%) ProShares [...]
Affinity “Mark” et Minute – December 15, 2022
Investment Commentary –December 15th, 2022 Year to Date Market Indices as of December 15th, 2022 • Dow 33,277 (-8.16%) • S&P 3,911 (-17.87%) • NASDAQ 10,892 (-30.23%) • OIL $85.12 (12.84%) • Barclay Bond Aggregate [...]
Affinity “Mark” et Minute – November 16, 2022
Investment Commentary – November 16, 2022 Year to Date Market Indices as of November 16, 2022 • Dow 33,595 (7.56%) • S&P 3,976 (-16.25%) • NASDAQ 11,258 (-28.89%) • OIL $85.12 (12.84%) • Barclay Bond [...]
Affinity “Mark” et Minute – November 2, 2022
Investment Commentary –November 2nd, 2022 Year to Date Market Indices as of November 2nd, 2022 • Dow 32,565 (-10.54%) • S&P 3,833 (-19.75%) • NASDAQ 10,778 (-31.31%) • OIL $89.91 (19.17%) • Barclay Bond Aggregate [...]
Affinity “Mark” et Minute – October 26, 2022
Investment Commentary –October 26th, 2022 Year to Date Market Indices as of October 25th, 2022 • Dow 31,805 (-11.52%) • S&P 3,840 (-19.02%) • NASDAQ 11,513 (-29.39%) • OIL $86.20 (5.00%) • Barclay Bond Aggregate [...]