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.
BySOFR (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.
ByYour 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.
ByIt 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.
ByDigital 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.
BySoroptimist International of Truckee Meadows (SITM) is part of a worldwide organization of women who empower other women and girls through programs and scholarships. Since the first scholarship awarded in 1980, SITM has helped 295 undergraduate and 98 graduate students achieve their educational goals. Schultz Financial Group’s very own Vicki Schultz has been a member since 1994 and has helped many women throughout this time, including Melissa Kreck, who just became a SITM Member herself after the organization granted her a scholarship years ago.
ByMarket commentary is intended for convenience, educational, and informational purposes only and should not be construed as individualized advice or recommendations. The discussions contained on this page are not a substitute for investment advice from a professional adviser. Readers should not use this content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced. While information presented is believed to be factual and up to date, Schultz Financial Group (“SFG”) does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. Due to various factors, including but not limited to changing market conditions, this market commentary may no longer be reflective of current opinions or recommendations. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change.