Posts

We Might Be Here For A While

Drew O’Neil discusses fixed income market conditions and offers insight for bond investors.

Last summer, the lower bound of the Fed Funds rate was at 2.25%. Six months after that, the Fed had lowered it down to 1.50%, and by March it had fallen to 0.00%. The slow and methodical three year climb of the Fed Funds Rate from 0.00% that started in December of 2015 was undone in a matter of months, just as we were getting used to relatively decent returns on money markets and other short-term investment options. Now here we are back at 0.00% on the Fed funds and money market yields south of 0.15%. Just because the world was a very different place just 6 months ago (in terms of both pandemics and interest rates), doesn’t mean that interest rates will return to their pre-pandemic levels any time soon. There is a good chance that 0.00% Fed Funds will be around much longer than the pandemic.

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4 Priceless Money Lessons for Kids

Financial literacy is a gift that lasts a lifetime.

Financial tradeoffs, interest rates and the importance of having an emergency fund: Our current economic circumstances are full of teachable moments we can and should share with our children. After all, they’re probably not learning these topics in school. Only 1 in 6 students will be required to take a personal finance course before earning a high school diploma, according to nonprofit Next Gen Personal Finance.

That’s why we’re equipping you with money tips and topics to discuss with the children in your life, plus independent study materials (ahem, videos and games) that will hold kids’ attention while teaching them money management. Keep reading to get to the head of the class.

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How to Help Mitigate the Negative Impacts of Market Swings

Review how to better prepare your portfolio for a downturn – and how to potentially take advantage of one when it occurs.

Market volatility is an inevitable part of investing. And it’s understandable that tumultuous times will likely trigger emotional responses to match.

But it’s important to remember to take a deep breath, focus on your long-term financial plan, and consult with a trusted professional – one who has seen an unpredictable market or two and the subsequent recoveries.

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Laying the Groundwork for Tax Season

January 10, 2020

Smart moves at the beginning of tax season can help get your financial house in order.

Contrary to popular belief, tax planning isn’t limited to the months between year-end and April 15. In fact, smart tax planning goes beyond deductions and credits and should be incorporated throughout the year. As Americans prepare to file their returns, let’s take a look at what we should be thinking about for tax season and beyond.

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How Raymond James Protects Your Privacy

January 9, 2020

At Raymond James, we recognize the trust you place in us when you disclose personal information. Maintaining that trust by ensuring that your information is secure is core to our business. Raymond James has a dedicated Privacy Office committed to the privacy and protection of your personal information entrusted to us.

From technological safeguards to employee policies and operating procedures, we maintain constant vigilance where your privacy is concerned.

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Jim Gill Contagious Tunes

  We at J SINGLETON FINANCIAL focus the majority of our time on giving thoughtful financial advice to our clients. However, from time to time we find ourselves sourcing additional ways that we can have an impact in our community. We do not claim to be musical geniuses, but this past week our office got […]

Sorting Through the Benefits of Retirement

Take a look at how your retirement benefits can replace your workplace paycheck.

January 30, 2019

Retirement may evoke thoughts of long, relaxing days and free afternoons with your grandchildren. But while this period of unstructured time can be sweet and easy, it also requires doing your due diligence to prepare for a myriad of more practical changes. While you’re planning your retirement, you’ll need to address how your retirement benefits will compensate for your workplace ones. Doing so could help preserve your retirement fund and offer you something more precious than money: security and comfort.

By collaborating with your financial advisor, you can establish strategies to pay for essentials such as healthcare as well as determine income-generating methods to cover your paycheck in retirement. Here are a few topics you’ll want to cover.

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Our Next Graduate!!

January 31, 2019

Over this past weekend, Judy had the pleasure of spending time with Mary (Cece) Florence born to Adam and Emily Janak. Cece is already rocking her Raymond James swag and will be our future graduate. Welcome to the world Cece and congratulations to Emily & Adam!!!

 

Work Hard, Play Hard & Pay It Forward with Judy Singleton By Stephan C Abrams

January 10, 2019

 

J Singleton Financial would like to share with you an interview Judy had the pleasure of doing with Stephan Abrams for The Jackson Hole Connection, a podcast created and inspired by the many stories of the wildly interesting folks connected to Jackson Hole.

Below is a brief description of Judy’s interview with Stephan.

“In this week’s episode of the Jackson Hole Connection, Stephan visits Judy Singleton. Judy is a entrepreneur, financial planner, world traveler, and a former Yellowstone Parkie. Judy started visiting Jackson Hole on family road trips in the 50s. At the advice of her sister, Judy’s first solo experience out in Wyoming was working a summer in Yellowstone at the Snow Lodge in 1971. In 1984 after opening a successful candy and nut shop in Alabama, Judy decided to take her business up to Teton Village.

Stephan and Judy talk about ambition, hitch hiking, being a Parkie, opening a business, traveling by train, surviving in Jackson Hole, learning new skills, and what motivated Judy to become a financial planner.”