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News and information to help improve your Four Capitals
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Insurance & Risk Management

Pet Insurance Basics

Here’s an overview on the types of pet insurance and things to consider when trying to select the best insurance option for your pets.

Posted By Schultz Financial Group Inc.
June 21, 2018
Investment Management

Muni Bonds: How to Determine the Taxable Equivalent Yield

In general, tax-free investments, such as municipal bonds, have lower yields due to their tax-exempt status. When evaluating municipal bonds as a possible investment, you must use the taxable equivalent yield. This is because the taxable equivalent yield is the return required on a taxable investment to make it equal to the return on a tax-exempt investment.

Posted By Alyssa Dalbey
May 26, 2018
Cybersecurity

How to Respond to a Data Breach

Time is of the essence, whether your personal data has been compromised as part of a larger targeted cyberattack, or you are the victim of an individual cybercrime. You’ll need to take immediate action to minimize the impacts. Here are steps you should consider taking within specified timeframes after discovering your data has been breached.

Posted By Jennifer Specter
May 18, 2018
Investment Management

Secured Overnight Financing Rate (SOFR): The New LIBOR

SOFR (Secured Overnight Financing Rate) interest rates are beginning to accompany LIBOR (London Interbank Offered Rate) across banking institutions in America, with many institutions implementing as of Q2 2018. The move from a LIBOR-only base rate market marks an important step in correcting rate fixing between banks. This blog post explains rate fixing, the difference between SOFR and LIBOR, and the implications of this new rate.

Posted By Alyssa Dalbey
April 30, 2018
Financial Planning

Understanding Your Credit Score

Your credit score is used in many aspects of your life. Lenders and creditors often run your credit report and use your score to determine what kind of loans or credit to offer you. Additionally, some employers request to see your credit score as part of their hiring process. Your credit score is determined from your individual credit report, and there are five categories taken into consideration.

Posted By Alyssa Dalbey
April 30, 2018
Investment Management

SFG’s View on Energy Diversification

It is important to insulate your portfolio against inflation while also maintaining diversification. Investing in energy covers both of these areas. Trying to forecast the price of energy is like watering your yard during a rainstorm — it’s a waste of time. For example, oil prices change not only due to supply and demand, but also as a result of US dollar fluctuations, geopolitical tensions, and more. This blog post focuses on recent technological developments within and how to capture exposure to energy.

Posted By Russ Schultz
April 24, 2018