Author: Schultz Financial Group Inc.

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Posts by Schultz Financial Group Inc.

Shifting Financial Leverage Poses Economic Risk

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We believe the 2008 financial crisis was caused by too much leverage, specifically in the financial sector. The average total debt held by S&P Financials was approximately six times their equity. In the US today, banks have done their part in deleveraging and this ratio is now approximately one for one. The Federal Reserve’s response to the crisis was to lower rates to essentially zero to encourage spending and borrowing to stimulate the economy. Both businesses and the government seem to have quickly seized the opportunities created by cheap debt.

Cybersecurity Reminders

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You feel like you read these tips all the time, but there’s a reason these top tips are pushed so hard: they help protect you! A refresher never hurts, so read on to make sure you’re handling the basics when it comes to your personal cyber security.

Avoiding Donation Scams

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The traditional “season of giving” may be over, but many of us (SFG included) intend to give year-round. Cybercriminals target donations, so you need to be careful and make sure your donations are going to the right people. Here are some research tips you can do to help keep yourself secure along your giving journey.

Tidying Up in 2019

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Few things are nicer than walking into your home after a long, stressful day and immediately feeling relief. However, if your home is disorganized or filled with clutter, it can have a negative impact on your mood. You environment contributes to your overall sense of happiness and well-being, so it is important to maintain a space that brings you solace. Creating and maintaining this positive space can be a daunting task, but the outcome is usually well worth the effort.