Our commitment to education and the Four Capital Approach is evident through SFG’s Book Club. This fun tradition reinforces our Intellectual Capital. Team members choose non-fiction books to read and twice a year we get together as a team and present our “book reports”. We thought we’d share some of the books we’ve been reading related to the Financial and Intellectual Capitals in case any of these pique your interest.
We thought we’d share some of the books we’ve been reading related to the Physical Capital in case any of these pique your interest.
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.
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.
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.
Digital property is increasingly becoming a more important part of estate planning. Individuals should consider their digital property, in addition to their tangible assets, when finalizing and reviewing their estate plans.