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SFG Insights

News and information to help improve your Four Capitals
the approach
Investment Management

China’s Municipal Debt Challenge

As we have discussed in our other blog topics focused on China, the GDP numbers, total outstanding debt, and other various statistics reported by their government have been questioned and scrutinized over the years. While most analysts put China’s debt/GDP near 250%, The Institute of International Finance (IIF) actually believes that China’s debt load was possibly as high as 300% in 2017. Today, we expect that to be much higher.

By Schultz Financial Group Inc.
May 22, 2019
Financial Planning

Financial Checklist for Newlyweds

Getting married is an exciting time. It can also be challenging as you navigate financial discussions with your spouse or spouse-to-be. This checklist is intended to help guide your financial discussions and help you outline your personal to-do list.

By Alyssa Dalbey
May 13, 2019
Investment Management

Shifting Financial Leverage Poses Economic Risk

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.

By Schultz Financial Group Inc.
May 13, 2019
Health & Fitness

Low-Maintenance Plants that Improve Your Health

If you are new to gardening or do not have a green thumb, there are plenty of low-maintenance indoor plants that you can use in your home and office. Here is a list of some indoor plants that may help boost your health.

By Alyssa Dalbey
May 10, 2019
Health & Fitness

The Link Between Gum Disease and Other Diseases

Gum disease, also called periodontal disease, is an inflammation of the gums, and it can breakdown the bone tissue that holds the teeth in place. It’s a generally painless disease that gives few warning signs in its early stages, but it can inflict damage to your oral health and other areas of your body.

By Schultz Financial Group Inc.
April 29, 2019