Author Archives: Brian Loy

About Brian Loy

Brian Loy writes insightful and inspiring articles about the ever-changing world of personal finance and the global trends that affect the risk and return on investments and shape the financial- and retirement-planning process.

Tips for Parents and Students to Avoid Student Debt

The rising cost of college followed by poor education decisions can lead parents and students into a financial hole. With increasing tuition rates, even for public universities, investing prior to your childrens’ college expenses is an important factor to make … Continue reading

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Interest Rates A-Comin’. The Ins and Outs of Debt.

The level and trend of interest rates impacts each of us differently. Generally, lower rates benefit us by stimulating the economy, equity and real estate investments. Borrowers are also big fans of lower rates. You can reduce your payments and … Continue reading

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Learn How To Be Financially Prepared for a Natural Disaster

Why do people build or live in areas prone to natural disasters such as flood, hurricanes or wild land fires? This was the topic of conversation for a former Federal Emergency Management Agency (FEMA) Chief, Brock Long, at a recent … Continue reading

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Single Woman’s Guide to Retirement

Retirement planning brings challenges regardless of your marital situation. However, those flying solo face additional stress. Roles People Play The major phases of life include accumulation (saving and building wealth), independence (retirement and spending wealth), and finally, interdependence and dependence … Continue reading

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Moms Nurture Financial Health and Well-Being

Moms have a very special gift as nurturers. Nurturing is the process of caring for and encouraging the growth of someone or something. Security and comfort often top the list, and these goals transcend to their kids. Sometimes it is … Continue reading

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Estate Planning Actions for the Small Business Owner

Two things people avoid talking about are death and money. Combining the two is estate planning—the process of arranging for the management and disposal of a person’s estate while minimizing gift, estate, generation skipping transfer, and income tax. Estate planning … Continue reading

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Seven Savvy Gift Ideas for College Graduates

Every generation brings something unique, but this graduating class is very different. They are the last of the Millennials and eclipse prior generations in size, education level and diversity. Most live in urban centers, shun time-honored institutions such as political … Continue reading

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Never Too Early: How to Plan for the 2019 Tax Season

How did April 15 go for you? Was your tax bill in the ballpark or was it a big surprise? Most financial decisions have tax impacts. You can ignore them or plan ahead, but we highly suggest tax planning for … Continue reading

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Mitigating Risks for Small Business Owners

Creating a Risk Management Plan Small business owners make up most of the U.S. economy. While the statistics are not often reported by the media, according to the U.S. Small Business Administration (SBA), almost 50 percent of Americans either own … Continue reading

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10 Smart Ways to Use Your Tax Refund

It’s that time of the year when tax preparers and CPAs are busy preparing tax returns and their families are left to fend for themselves. In past years, about three-quarters of tax filers got an average refund of $3,000. This … Continue reading

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