It seems there is nothing special about renting accommodation since many people live this way for ages. You just need to find a suitable dwelling and sign a contract. However, often this process involves various pitfalls, and a person faces high chances to be left high and dry in the end. Of course, it is not the only possible scenario, and renting is not always a waste of money. People rent accommodation for different reasons. While someone cannot afford to buy their own apartment, others don’t want to tie themselves to one place forever. Renting is especially popular among young people since many move to another city to study and need a place to live. In most cases, they don’t plan to settle there and seek freedom of movement, so renting looks like the best option possible. Many students share accommodation with groupmates and have an aside job to cover expenses. It is when a speedy paper promo code comes in handy and helps save a penny. If you don’t want to spend a fortune on your accommodation, you should follow some useful tricks and tips. [Read more…]
Investment Concerns and Opportunities
There are investment concerns and opportunities pretty much any way you turn. Healthcare looks great, but what about the costs associated with treatment? Technology is improving every day, but what’s going to happen with possible regulations? Is the FED going to pop our bubble?
Plenty can happen so let’s explore it together.
The FED
The FED doesn’t appear like it’ll stop its asset-buying program and accommodative monetary policy anytime soon, and it said just that in its most recent meeting.
That’s a good sign for the economy and for certain sectors. The industries that find the most favor are those that use heavy borrowing to facilitate growth efforts. These include construction, retail, information technology, transportation, and healthcare.
Commodity Prices
We continue to see a rise in commodity prices. Copper, oil, and lumber are all near record highs. I believe we’ll continue to see a steady increase in the price of copper. Copper is used in electronics, and with the further development of new technology, electric and autonomous vehicles, and green energy…the demand for the metal is just getting started.
Big Tech
Silicon Valley is bracing for possible regulatory troubles. There’s a new head of the FTC and she has her gloves on. Big tech has come under increased scrutiny in a few areas, including content, privacy, and antitrust. This causes investment concerns.
The federal government has a problem with social platforms and some of the content users post on their sites. There’s a thin line these companies walk because they can’t censor speech and they can’t promote speech. But some people post very harmful and hurtful things.
Also, antitrust cases are likely to come in full force because some of these companies are so gosh darn huge. They have so much pull, so much money, and too much market share (in a lot of cases).
What’s more, they no longer hide that they harness user data to make money. How much they sell to other parties and what they sell isn’t entirely known, but their privacy issues are also coming to head.
With all of that said, compliance costs are going to increase. What those companies look like and what they’re allowed to do will likely look different than what it is now. Only time will tell what happens to these companies.
Healthcare
I’m reading and hearing more and more excitement about the healthcare space and the investment opportunities that lie within. The speed at which the globe was able to produce three or four viable and useful vaccines for Covid is incredible. I heard today that it’s the first vaccine to be created in less than 5 years.
The global population is getting older by the day. Not only that, but the baby boomer generation is around retirement age, so they’re going to require more medical attention.
Prescriptions, medical devices, new and improved medical technologies are going to treat and possibly cure more and more illnesses.
Telemedicine looks to be a great investment opportunity. Last year, medical attention was quite high but 90% of that was done in person. Virtual visits, remote monitoring, and in-home testing will grow in popularity.
Investment concerns and opportunities abound, I’m excited for what’s to come in the tech and healthcare spaces.
Disclaimer:
**Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc. Securities America and its representatives do not provide tax or legal advice; therefore, it is important to coordinate with your tax or legal advisor regarding your specific situation. Please see the website for full disclosures: www.crgfinancialservices.com
Jacob Sensible is a financial advisor with decades of experience in the financial planning industry. His journey into finance began out of necessity, stepping up to support his grandfather during a health crisis. This period not only grounded him in the essentials of stock analysis, investment strategies, and the critical roles of insurance and trusts in asset preservation but also instilled a comprehensive understanding of financial markets and wealth management. Jacob can be reached at: jake.sensiba@mygfpartner.com.
What to Invest in as a Student
It’s good that you think about investing at an early age. This is because when you become old, you’ll have capital and additional money. You won’t necessarily have to be worried about your financial condition. [Read more…]
What’s The Federal Reserve Going To Do?
There’s a lot going on in the world right now. Supply disruptions, stimulus payments, excess savings, labor shortages, and infrastructure are all playing a role in economic policy. In today’s post, I want to try and explain how they all play a factor with regard to how the FED determines policy.
Supply disruptions
Inherently, supply disruptions don’t have much to do with how the federal reserve coordinates monetary policy. The biggest supply disruption we have at the moment involves semiconductors.
The wide applicability of semiconductors makes them very important in product development and deployment. What’s more, the number of semiconductors needed just keeps growing.
The bad news is…there’s a supply shortage. That creates upward pressure on price. Not only for the semiconductors themselves but also for the products that use them.
Stimulus payments and excess savings
When Covid hit, the world shut down. People were out of work, so they didn’t spend money. People didn’t spend money, so businesses started losing revenue. In order to prevent total economic collapse, the government sent stimulus checks to qualifying individuals and boosted unemployment.
A lot of people saved this “extra” money and recently started to spend it. Jobs are starting to come back and the global economy is starting to look healthy. Confidence inspires spending. Increased consumer spending is good for the economy.
Labor shortages
Labor has become a big topic of conversation. Not only do we have more jobs available than we have people to take those jobs, but workers are quitting in large numbers. Both of those factors can have a large impact on wages.
Employers are having trouble filling roles. How can they attract applicants? Better wages and benefits? For those that can afford bigger payroll, that’s the avenue they’re using. That puts upward pressure on wages.
I also mentioned workers are quitting in droves. Employees are demanding to be fairly compensated and enough of them are banding together now. Improved benefits and increased wages are becoming more likely.
Wage inflation helps feed the price inflation narrative. The prices for products and services go up because of supply and demand factors. Wage inflation increases due to supply and demand dynamics.
These two inflationary pressures feed on each other. Wages go up so workers can afford more. Prices go up because workers can buy more, and so on.
Infrastructure
News broke about a new infrastructure bill (Source). On top of, already, record-breaking government spending, that’ll juice our GDP numbers for 2021.
I don’t have much else to say about this other than the spending involved will create inflationary pressures AND I’m proud there was bipartisan support for this bill. Not something we see very often anymore, so I’m happy it turned out this way.
The Federal Reserve
With all of that said, what’s the federal reserve going to do? If inflationary pressures are as hot as they seem, I fear the FED will have no option, but to end their accommodating stance on monetary policy.
They’ve already indicated that a rise in interest rates in Q3 or Q4 of 2023 is likely. They claim that they will let inflation run past their 2% target but by how much? At one point do they say enough is enough?
That’s a tough question to answer. I think in this situation, they’re talking bigger than what they’ll actually deliver. It’s all well and good if they say they’re going to let inflation run, but we’ll see what actually happens when that gets here.
Related reading:
Employment, Stimulus, Rising Prices
Disclaimer
**Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc. Securities America and its representatives do not provide tax or legal advice; therefore, it is important to coordinate with your tax or legal advisor regarding your specific situation. Please see the website for full disclosures: www.crgfinancialservices.com
Jacob Sensible is a financial advisor with decades of experience in the financial planning industry. His journey into finance began out of necessity, stepping up to support his grandfather during a health crisis. This period not only grounded him in the essentials of stock analysis, investment strategies, and the critical roles of insurance and trusts in asset preservation but also instilled a comprehensive understanding of financial markets and wealth management. Jacob can be reached at: jake.sensiba@mygfpartner.com.
Are People Still Selling Books on Amazon
Whether you’ve simply decided to get rid of excess books on your shelves or are looking at selling some books to bring in extra cash. Figuring out where to list your items can be tricky. While Amazon has long been a great place for books, thanks to alternatives like Kindle versions. You may be wondering, “Are people still selling books on Amazon?” If that’s the case, here’s what you need to know.
Are People Still Selling Books on Amazon?
In short, yes, people are still selling books on Amazon. Some people using the platform are actually are full-time booksellers, while others do it on occasion for a bit of side cash.
Now, it’s important to note that the Amazon Book Trade-In program is no longer available. This means you can’t sell books to Amazon directly. Instead, you would need to become a third-party seller, using the site as a platform for marketing the books you want to sell.
How to Sell Books on Amazon
If you want to sell books on Amazon, the first thing you need to do is register as an Amazon seller. The process is incredibly straightforward, and most people can get their accounts launched in short order.
Generally, you’ll need to decide whether you’ll be an individual seller or a professional seller. As a basic rule of thumb, if you’re selling less than 40 products per month, you’ll be in the former category. With more than 40 products, you’d go in the latter group.
You’ll also need to figure out how you want to handle fulfillment. Generally speaking, you have two options. You can either sign up for Fulfillment by Amazon (FBA) program or for the Fulfillment by Merchant (FBM) option. Each approach has pros and cons, so it’s best to do a little research to pick the right one for you.
Once you have that worked out, you’ll be able to get an idea of what it will cost you to sell items on Amazon. Each program has its own fee structure, though they are usually pretty simple to understand since you know the type of products you’ll be selling.
With those decisions made, you can create listings. If you’re selling a book that’s already for sale on Amazon, this is incredibly easy. You can use the main listing page as a starting point, filling in details about your selling price, the book’s condition, and other important pieces of information.
The FBM Approach to Selling Books on Amazon
If you’re using the FBM approach, once you’re done, your copy appears on that page within about 30 minutes. If you’re using FBA, you’ll get instructions to send your book to Amazon, and the listing will appear once it’s processed by a fulfillment center, which usually takes up to two weeks, though it can be longer during peak seasons.
At that point, you simply wait for your book to sell. If it’s FBM, you’ll mail it out when a person purchases it. If your FBA, Amazon will handle that part for you. When all is said and done, you’ll have money in your seller account that’ll get disbursed based on Amazon’s set schedule, which usually happens once every one to two weeks.
Have you recently sold any books on Amazon? If so, do you think it’s a smart way to make some money? Share your thoughts in the comments below.
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Tamila McDonald is a U.S. Army veteran with 20 years of service, including five years as a military financial advisor. After retiring from the Army, she spent eight years as an AFCPE-certified personal financial advisor for wounded warriors and their families. Now she writes about personal finance and benefits programs for numerous financial websites.
Economic Pressures
There’s a lot of movement in the economy. Several different news threads and innovations have the ability to change the direction and velocity in which our economy moves. In today’s newsletter, we’re going to talk about some of those economic pressures, what they entail, and what they mean for our economy.
Taxing corporations and the wealthy
A news story recently came out about taxes. More specifically, this news shed light on how the wealthy manipulate the tax code in their favor.
I think the information shared in this story was well known already, or assumed rather, but served as a confirmation. A large number of wealthy individuals aren’t “paying their fair share” in taxes.
This will only add fuel to the fire. The fire I’m talking about is the tax overhaul in the tax code. The Biden administration has said that they want to increase taxes on corporations and wealthy individuals/families.
If they’re successful, it would mean more tax revenue for the federal government, which is a good thing. Is there a chance that the increase in taxes creates a disincentive for those corporations and wealthy individuals?
Perhaps, but I don’t think it’s very likely, broadly speaking. I have only one reason…those corporations and individuals are good at making money, and I believe that will continue.
Government spending
As I said, the change in the tax code will generate more income for the federal government. You may be thinking, “Great! We can reduce the national debt!”
I think that’s very unlikely. That may sound skeptical, and it probably is on some level, but both parties are spenders now. It doesn’t matter if it’s a Republican or a Democrat in the White House, they’re both going to print money to push forward their agenda.
Borrowing costs
I’ve talked about inflation a lot lately, and I promise I’ll tone down after I make this point, but I haven’t explained why runaway inflation is a bad thing.
Now don’t get me wrong, there are advantages (i.e. increased rates on savings accounts), but the disadvantage is higher prices. Households can run into trouble because they can’t afford necessities anymore.
The larger problem, however, is the cost of borrowing. Over the last, almost 15 years, rates have been low. And they’ve stayed low, other than an attempt to increase in 2018.
People and corporations borrowed a lot of money. Some bought things they didn’t need. Others to increase research, development, and innovation. Some people used record amounts of leverage to take part in the wild stock market (as of late).
With that said, the cost of borrowing will go up and the cost to service that debt will go up. The higher rates go, the more money that will be needed to pay for/down the debt. When that happens, less money will be spent on “productive” things.
That can slow growth and negatively impact the economy. That’s why central banks reduce rates in times of negative or low economic growth. It reduces borrowing costs and incentivizes people and companies to spend money instead of saving it.
Labor
The last thing I’ll say that has the ability to tie into the last point is the current labor shortage. There are more jobs available right now than people to take those jobs.
Small businesses, in particular, find it especially difficult to fill vacancies. Couple a labor shortage with a strong push from workers, unions, and government bodies to increase wages, and you get wage inflation.
When wage inflation becomes more prevalent, price inflation (CPI) becomes more likely. If companies have to pay their employees more, they need to account for that increased expenditure somehow. They turn to increase the prices of their products and/or services.
Demand is unlikely to suffer because of higher wages. People are making more money, so they should be able to afford higher prices, right?
Conclusion
If you read back some of my other posts, you’ll see I’m optimistic in select areas of the market, and I’ll stay optimistic in those areas no matter what type of economic pressures the country faces.
With all that I said, I believe there are enough economic pressures to cause a decline in the market and the economy, but there’s no telling when that’ll actually happen.
Related reading:
Employment, Stimulus, Rising Prices
Inflation, Gold, Semiconductors
Why Financial Literacy is Important
Disclaimer
**Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc. Securities America and its representatives do not provide tax or legal advice; therefore, it is important to coordinate with your tax or legal advisor regarding your specific situation. Please see the website for full disclosures: www.crgfinancialservices.com
Jacob Sensible is a financial advisor with decades of experience in the financial planning industry. His journey into finance began out of necessity, stepping up to support his grandfather during a health crisis. This period not only grounded him in the essentials of stock analysis, investment strategies, and the critical roles of insurance and trusts in asset preservation but also instilled a comprehensive understanding of financial markets and wealth management. Jacob can be reached at: jake.sensiba@mygfpartner.com.
Employment, Stimulus, and Rising Prices
The dynamic of employment changed dramatically because of the pandemic and the stimulus provided to consumers as a result.ww
People were let go from their jobs, especially jobs that didn’t have a way to “work from home”. Factory jobs and jobs in the service industry, for example.
Government Intervention
To combat a declining economy and unemployed workers struggling to make ends meet, the government decided to inject liquidity into the market. They did this through increased unemployment benefits and stimulus payments to those that qualified.
This aid sent to consumers helped out a lot of people, but it didn’t entirely go according to plan. One of the intentions of the stimulus payment was to incentivize people to spend – that’s why a large number of the second payment came via a Visa gift card.
When people spend, the economy does better.
Unfortunately, people saved their stimulus payments, but thankfully the market and the economy didn’t suffer as a result.
Rising Prices
That leads to the predicament we could soon find ourselves in. The economy is doing better. The majority of the United States population has been vaccinated (just a reminder that a majority is anything over 50%). Daily life is starting to return to normal; it’s happening slowly, but we are trending in the right direction.
As people grow more confident in their ability to go out into the world, and they get more confident in the economy and the market, they’re likely to spend some of that savings.
Low rates, decreasing unemployment, and more spending are three legs to likely inflation pressures.
Inflation
Now, I know I wrote about inflation pretty recently (here), but I feel it’s necessary to beat that drum again.
The FED already said that they will be more liberal when it comes to monetary policy. That means they will be more likely to let inflation run hot (relative to their 2% inflation target) for an extended period of time.
What they are doing with that stance, is they don’t want to kill a recovery when it’s just getting started. That’s what happened in 2018 when they raised rates throughout the year, but that increase in interest killed the economic growth and popped a bubble.
Okay, so the recipe for inflation is set, but what does that mean for me?
Honestly, that’s hard to say. We already said that inflation is likely, and in some cases, it’s already here. The question is, how much inflation is too much? This question will be answered by the FED.
And the answer will show itself when they relax their easy monetary policy. Interest rates could go up and the FED’s balance sheet could reduce in size.
At that point, I believe it’s only a matter of time (my hunch is not a lot of time) until the bubble we’ve created pops.
If you’re invested for the long haul, hunker down and hold steadfast. Avoid panic selling. If your time horizon is shorter, soon may be a good time to take some profits and de-risk your portfolio.
Disclaimer
**Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc. Securities America and its representatives do not provide tax or legal advice; therefore, it is important to coordinate with your tax or legal advisor regarding your specific situation. Please see the website for full disclosures: www.crgfinancialservices.com
Jacob Sensible is a financial advisor with decades of experience in the financial planning industry. His journey into finance began out of necessity, stepping up to support his grandfather during a health crisis. This period not only grounded him in the essentials of stock analysis, investment strategies, and the critical roles of insurance and trusts in asset preservation but also instilled a comprehensive understanding of financial markets and wealth management. Jacob can be reached at: jake.sensiba@mygfpartner.com.
4 Ways To Drastically Cut Down Your Expenses In 2021
Living paycheck-to-paycheck may be perhaps one of the most exhausting lifestyles out there. An unforeseen emergency may put you in debt when there’s nothing left to use in the bank at the end of every month. This can lead to you not just living from one check to another, but now you’ve also got a credit card bill to pay for. [Read more…]
Every Homeowner Should Have Flood Insurance-Here’s Why!
No homeowner imagines being the victim of a natural disaster. A serious flood can be devastating. Floods can damage your home and personal property with surprising speed. However, not having flood insurance can make the entire situation worse. Without the right coverage, your losses may not be covered. If you’re wondering why every homeowner should have flood insurance. Here’s what you need to know.
What Flood Insurance Is and What It Covers
Flood insurance is a type of coverage that is separate from a traditional homeowners insurance policy. Anyone who lives in an area with flood risk can potentially purchase this supplemental policy.
It specifically focuses on flood-related damage caused by natural disasters, as well as other causes. Usually, flood insurance covers damage in specific categories.
First, flood insurance will commonly handle structural damage to your home. This includes the actual building, as well as some related systems, like electrical, plumbing, and HVAC.
Second, flood insurance may cover your personal property. This includes damaged furniture that isn’t salvageable and similar household items, as well as clothing. However, this isn’t always part of the starting flood insurance policy, so you may need to request it be added if you want this protection.
Now, certain high-value items may not be fully covered by base flood insurance. This can include art, antiques, jewelry, firearms, or electronics above a certain value. In those cases, you may need flood insurance riders to add that coverage, just as you do with traditional homeowners policies.
Additionally, it’s important to note that every policy is different. Before you make assumptions about your coverage, review your flood insurance policy carefully. Ask questions about what is and isn’t protected, and request add-ons if needed to provide you with the level of protection you’re after.
Why Homeowners Need Flood Insurance
Typically, flood insurance fills a gap that many homeowners have in the primary policy. While homeowners insurance does cover some types of water damage under the hazard insurance segment of their policy, flooding events usually aren’t classified as the covered kind of hazard. As a result, damage caused by a flood may not be covered, leaving you without financial support to repair your home or replace your personal property.
Essentially, if you don’t have flood insurance, you’ll have to handle all related costs out of pocket. For most homeowners, this simply isn’t feasible. Flood repairs to a structure can be incredibly costly. Similarly, replacing all of your damaged personal belongings could take thousands and thousands of dollars.
It’s also important to note that homeowners with mortgages who live in higher-risk areas may be required by their lender to have flood insurance. This is especially true for anyone who uses government-backed financing sources, as there are federal laws requiring the coverage for properties they finance in high-risk zones. However, other lenders often follow suit, even if there isn’t a legal requirement.
The mandate for flood insurance through a company like this Minneapolis water damage restoration service, is similar to them requiring homeowners insurance in general. It ensures the property is protected should a flood event occur and, since the lender is technically the owner until you pay off the mortgage, they have a vested interest in protecting its value.
How to Find Out if You’re in a High-Risk Flood Area
If you want to see if a property is in a high-risk flood area, the simplest way is to use the Federal Emergency Management Agency (FEMA) Flood Map Service Center. Simply enter your address into the search bar, and the site will display a map that identifies your home’s risk level.
You may be able to turn to other state and local resources as well. State emergency management agencies may have flood maps, for example, so they can be worth checking if you find the FEMA results lacking.
Should Low-Risk Property Owners Skip Flood Insurance?
No, homeowners in low-risk areas shouldn’t skip flood insurance. Even if you live in a low-risk area, going without flood insurance means you aren’t protected should the unexpected occur.
Low-risk doesn’t mean risk-free. Many natural events are unprecedented. But even if they weren’t deemed likely, your base homeowners policy won’t cover the related damage if it is excluded in your policy.
Additionally, risk levels can change over time. An area that wasn’t previously flood-prone can suddenly become so for a variety of reasons. Climate change, land development, and similar shifts can alter water flow through regions, turning areas that previously didn’t experience flooding into moderate or high-risk areas.
Where to Get Flood Insurance
If you need flood insurance, you can call your homeowners insurance company to see if they offer it. Some insurers have flood insurance riders, while others may require a separate policy for that specific kind of coverage.
However, not all insurance companies offer flood insurance. If that’s the case, you may not be able to secure flood insurance through your homeowners policy provider. Instead, you’ll turn to the National Flood Insurance Program, a system run by FEMA, that can help you find a provider that covers homeowners in your area.
Do you think every homeowner should have flood insurance? Have you decided to risk it and go without flood insurance? Has flood insurance ever saved you from financial hardship? Share your thoughts in the comments below.
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Tamila McDonald is a U.S. Army veteran with 20 years of service, including five years as a military financial advisor. After retiring from the Army, she spent eight years as an AFCPE-certified personal financial advisor for wounded warriors and their families. Now she writes about personal finance and benefits programs for numerous financial websites.
What’s Up With Oil?
Oil is in the news a lot right now because of what’s currently happening on the East Coast of the United States. There was a hack of an oil pipeline, and the hackers have since been identified, but the consequences of that hack are being felt by the company and by consumers.
Due to the hack, the pipeline shut down. This pipeline provides the East Coast with nearly half of its gasoline and jet fuel. As a result, gas, and oil prices have gone up, there are gasoline shortages, and consumers are behaving erratically. Some are hoarding gasoline. Others are chasing down supply trucks and are behaving in a way, akin to when an animal’s food supply is threatened.
With all that said, I do want to talk about oil today. Not just the recent news about the hack, but also the price of oil, the supply and demand dynamics, and what my thoughts on the future of the precious fossil fuel are.
Oil Price, Supply and Demand
The price of oil is back to pre-pandemic levels. Back in the early days of the pandemic, however, there was a tremendous shock to the system. Oil prices dove into negative territory because demand projections dropped.
Everyone started staying home due to Covid and mandatory quarantines, so demand dried up. A lot of analysts said that pre-Covid was peak oil demand. More people are going to work remotely, which means less commuting and less consumption. More businesses are going to conduct meetings via Zoom instead of flying to different locations, which also means less consumption.
Do I think the “pre-Covid era” was peak oil demand? I think so, but it’s difficult to say with certainty.
The future of oil
I do believe, however, that the overall demand for oil will trend down going forward. With that said, oil producers are focused on their bottom line. If they see demand trending down, they’ll be inclined to reduce production to protect the price per barrel from plummeting.
There’s another force at play here – clean energy. We will continue to see start-ups and agile new companies bring new technology to market. I think the runway for clean energy, in terms of growth and return potential, is very large. However, don’t count out the big energy companies quite yet.
These companies (Exxon, BP, Chevron, and the like) have been investing a lot of money in green/clean energy. They see the forces at play and they see the direction in which the market is going. It’s in their best interest to plan for an energy market dominated by renewables.
How should we invest?
That’s a good question and due to regulatory constraints, I can’t tell you specifically. Do I think there’s a place for oil in your portfolio? Maybe in the short-term, but not for long.
Investing in energy will be more nuanced than it has in the past. Big oil companies, as I mentioned, are investing in clean energy, but I believe renewable startups and green energy companies will attract the majority of investment.
Keep up to date with what’s happening in the energy market and do your due diligence when it comes to selecting investments.
Related reading:
Inflation, Gold, Semiconductors
**Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc. Securities America and its representatives do not provide tax or legal advice; therefore, it is important to coordinate with your tax or legal advisor regarding your specific situation. Please see the website for full disclosures: www.crgfinancialservices.com
Jacob Sensible is a financial advisor with decades of experience in the financial planning industry. His journey into finance began out of necessity, stepping up to support his grandfather during a health crisis. This period not only grounded him in the essentials of stock analysis, investment strategies, and the critical roles of insurance and trusts in asset preservation but also instilled a comprehensive understanding of financial markets and wealth management. Jacob can be reached at: jake.sensiba@mygfpartner.com.