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Looking Ahead | November 2, 2022

October is now behind us and it has delivered on its track record as a historically favorable month for stocks, offering some respite for investors as major equity indices rose for the month. The downside pressure on equities had gotten a bit overdone after investor pessimism during September reached lows not witnessed in quite a few years. From a contrarian perspective, extreme pessimism can often be followed by a market bounce. Such a reaction can serve as a reminder not to react too quickly t
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Better Times Ahead

In the last several weeks, we have continued to face elevated uncertainty in financial markets due to high inflation and rising interest rates, and we thought it was an important time to take stock with the final quarter of 2022 just ahead.It has been a difficult year, not only for investors but also for households and businesses as we all navigate higher prices and borrowing costs. There will be some challenges ahead for the economy as the Federal Reserve (Fed) continues to raise rates to contr
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The Best and Worst of Times | September 2022

When it comes to stock market performance, August was “the best of times, and the worst of times.” The strong market rally that peaked in mid-August was viewed by many analysts as a transition from a bear to bull market, based on the surge in breadth that stocks enjoyed and the magnitude of the two-month rally that began in mid-June totaling 17%. The market rebound and overall bullish sentiment began in earnest when Federal Reserve (Fed) Chairman Jerome Powell suggested at the late J
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MAKING A VACATION EASIER ON YOUR WALLET

Saving money when planning a trip—the dos, the don’ts. Imagine coming home refreshed from a wonderful vacation, made even more satisfying because you saved 20%-30% on its cost. That can happen. With a little planning, a trip can become notably cheaper. When you travel can make a difference. Book a trip during the off-season or the “shoulder seasons” adjoining it. Hotels and air carriers hike their prices in peak season, so avoid that time. The same goes for how you travel
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GONE PHISHING: PROTECTING AGAINST ONLINE ATTACKS

Identity theft compromises the personal data of millions of Americans every year. There are steps you can take to minimize your online risk and protect your sensitive data from cyber-attacks...
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Big Week for Market Watchers | August 3, 2022

Last week was epic for market-watchers. A Federal Reserve (Fed) rate hike, a much-anticipated gross domestic product (GDP) report, and the busiest week of earnings season got most of the headlines. There was even a surprise out of Washington D.C., with a Schumer-Manchin agreement on a climate-healthcare-tax bill and some inflation data that added to the evidence that inflation has peaked. Stocks expressed approval of this news, securing its second straight solidly positive week. The S&P 500
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2 Negative Quarters for GDP – Are we in a recession?

Please find commentary as of 7/28/2022 by Garrett Melson, CFA®, Portfolio Strategist, Natixis Investment Managers Solutions. https://www.im.natixis.com/us/markets/are-we-in-a-recession
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INSURANCE FOR DIFFERENT STAGES OF LIFE

Life Insurance Can Help Provide Confidence about the future...
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Midyear Outlook 2022: Navigating Turbulence

Markets rarely give us clear skies, and there are always threats to watch for on the horizon. But the right preparation, context, and support can help us navigate what lies ahead. So far, this year hasn’t seen a full-blown crisis like 2008-2009 or 2020, but the ride has been very bumpy. We may not be flying into a storm, but there’s been plenty of turbulence. How businesses, households, and central banks steer through the rough air will set the tone for markets over the second half o
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Looking Forward

As the calendar has turned to July, investors would certainly like to forget the first six months of 2022. However, the Fourth of July Independence Day holiday does bring with it reason for celebration. Not only is it the 246th birthday of the United States of America, but July has historically been a pretty good month for stocks. Over the past 10 years, the month of July has been particularly good, with the S&P 500 Index averaging a monthly gain of about 2%.  Both stock and bond marke
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BREAKING DOWN THE REAL COSTS OF PURCHASING A HOME

Home ownership has several advantages over renting, including lower monthly payments, deductible mortgage interest, and the accumulation of equity. But there is a definite price to pay for these benefits, including the expenses we detail here.The biggest spend is your initial equity. There are two costs that constitute the beginning equity in your home. The first is earnest money, typically $500 to $2,0001 , that ensures your commitment to the deal. You can get a refund if the deal fal
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