Blog - North Light Financial Services

Active & Passive Investment Management

Active & Passive Investment Management What do each of these terms really mean? Investment management can be active or passive. Sometimes, that simple, fundamental choice can make a difference in portfolio performance. During a particular market climate, one of these two methods may be widely praised, while the other is derided and dismissed. In truth, both approaches have merit, and all investors should understand their principles. How does passive asset management work? A passive asset management strategy employs investment vehicles [...]

By info@northlightfinancialservices.com|2017-04-25T10:02:54-04:00April 20th, 2017|Business/Economic News, Investing, Savings and Investing|Comments Off

What Could You Do With Your Tax Refund?

What Could You Do With Your Tax Refund? Instead of just spending the money, you could plan to pay yourself. About 70% of taxpayers receive sizable refunds from the Internal Revenue Service. Just how sizable? The average refund totals about $2,800.1 What do households do with that money? It varies. Last year, consumer financial services company Bankrate asked Americans about their plans for their federal tax refunds. Thirty-one percent of the respondents to Bankrate’s survey said that they would save [...]

By info@northlightfinancialservices.com|2017-04-11T14:21:48-04:00April 6th, 2017|Financial Fitness, Income Taxes, Savings and Investing|Comments Off

The A, B, C, & D of Medicare

The A, B, C, & D of Medicare Breaking down the basics & what each part covers. Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare what they cover, and where they come from. Parts A & B: Original Medicare. Americas national health insurance program for seniors has two components. Part A is hospital insurance. It provides coverage for inpatient stays at medical facilities. It can also help cover the [...]

By info@northlightfinancialservices.com|2017-04-11T14:17:11-04:00March 30th, 2017|Healthcare, Medicare, Personal Finance, Retirement|Comments Off

Building an Emergency Fund

Building an Emergency Fund Everyone should aim to have a cash reserve. We all would love to have a little extra cash on hand for emergencies. Saving up that cash can be a challenge but with a little effort, that challenge can be met. Imagine a 30-year-old couple with no real savings. Lets call them Kurt and Diana. Together, they earn about $8,000 a month, but their household finances are being squeezed by education debt, rent, and the high [...]

By info@northlightfinancialservices.com|2017-03-28T08:17:12-04:00March 16th, 2017|Personal Finance, Savings and Investing|Comments Off

If Interest Rates Rise, What Happens to Bonds?

If Interest Rates Rise, What Happens to Bonds? Investors in longer-term Treasuries could really be punished. Are bond investors facing the possibility of major losses? Recently, bond yields have climbed. From November 1-23, the 2-year Treasury yield went from 0.83% to 1.12%, while the yield on the 10-year note rose from 1.83% to 2.36%.1 Quality bonds have a place in a portfolio, but many investors are moving their money elsewhere. They see a federal stimulus ahead in 2017, one that [...]

By info@northlightfinancialservices.com|2017-03-28T08:17:12-04:00March 2nd, 2017|Bond Market, Business/Economic News, Investing|Comments Off