April 25, 2023 Recent events in the banking world have once again highlighted the importance of understanding how Federal Deposit Insurance Corporation (FDIC) insurance covers deposits, which prompts similar questions about how investment assets are treated in the event of a brokerage firm (broker-dealer) failure. While there is comparable—but not identical—insurance coverage for brokerage assets … Continued
January 31, 2023 Chefs, from the classically trained to the rock-and-roll celebrity types, cling tightly to the concept of mise-en-place when running their kitchens. French for ‘putting in place’ and a concept derived from the military, mise-en-place is the tightly coordinated planning and organization of the inputs needed to precisely execute the production of a … Continued
January 31, 2023 Behavioral finance plays an important role in long-term investment success. We behave as we do in large part because we are affected by our emotions. Fear, greed, envy, and regret are some of the big emotions that often impact our decision-making, and we have all seen their collective influence over the last … Continued
October 25, 2022 2022 has delivered some record drops in both the stock and bond markets. In the month of September alone, the S&P broke below the previous June closing low, declining 1.03%. Similarly, the Dow dropped another 1.11%. This type of volatility can be incredibly stressful for investors, and understandably so, but it should not … Continued
July 14, 2022 Young drivers and cars have always been an expensive combination, whether they’re renting vehicles or getting their own auto insurance. This is especially true for drivers under the age of 25, at which point things generally start to improve cost-wise on both fronts. It’s a common misconception though that drivers under 25 … Continued
Originally published on January 27, 2016 and updated on April 28, 2022 Webster’s defines risk as “the possibility of loss or injury” and while this is true, risk—in the investment world at least—also means opportunity. In the simplest of terms, without risk, there is no reward. The key is determining the appropriate amount of risk … Continued
April 20, 2022 If you’re a business owner, you might be wondering which insurance coverage is right for you. There are many types of insurance, and while you might be familiar with some, hazard insurance is a very important one to consider. Let’s explore what it covers so that you have a better understanding. Unlike … Continued
January 27, 2022 For much of human history, life—as described by 17th century political philosopher Thomas Hobbes in his book Leviathan—was for most people “nasty, brutish, and short” … whether they were in a state of war or not. Recent generations though—at least in most parts of the developed world—more readily expect to live long, … Continued
July 29, 2021 The devastating wildfires in California that did so much damage in the past few years are now impacting pricing and availability of homeowners insurance coverage in the state, affecting everything from primary residences in many suburban locations to popular vacation home spots like Napa Valley, Sonoma, Lake Tahoe and elsewhere. This comes … Continued
May 24, 2021 Sand Hill’s Senior Wealth Manager Steve Peterson and Senior Managing Director at the specialty brokerage firm Risk Strategies, John O’Neill, discuss the the changing landscape of homeowner’s insurance in California due to fire risk. The devastating wildfires that have hit California in recent years have had a direct impact on both the … Continued