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The Tale of Two Unrestricted Gifts

  This is tale of two unrestricted gifts made by donors when they passed away.   Robert Morin   Robert Morin worked as a librarian at the University of New Hampshire (“UNH”) for nearly 50 years. When he passed away

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May The Odds Be Ever In Your Favor

  The Hunger Games was a bestselling novel that was subsequently made into a movie.  Both were awesome.  The setting is one where the Capital is abundant in riches.  The outlying 12 Districts are all living in poverty.  Every year

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What a Long, Strange Trip It’s Been

Has it ever.  Now that the Presidential Election is over many are left scratching their heads.    President Elect Donald Trump will be sworn in as the 45th President of the United States on January 20, 2017.  Very few pundits predicted

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Why The Fed Got Off its Assets and Raised Interest Rate

The Federal Open Market Committee (“FOMC”) raised the Federal Funds Target Rate by .25% from .50% to .75%.  The Federal Funds Target Rate is the interest rate charged to financial institutions for the trading they do with each other overnight.

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Patience Pays Dividends

For months prior to the presidential election, investors remained in a holding pattern, poised to see how the domestic and global markets would react. Many international markets saw pullbacks, but U.S. stock markets surprised to the upside, rewarding investors after

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7 Reasons Not to Wait Until Thanksgiving to be Grateful

You don’t have to wait for Thanksgiving to be grateful.  You can be grateful every day.  It’s your choice.  Life might not be going swimmingly well for you every day.  I get it.  I truly hope you didn’t expect it

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The New Normal

The New Normal was a term to describe the financial conditions after The Great Recession of 2008-2009 by Mohamed El-Erian, currently the chief economic advisor at Allianz. The concept of the New Normal is that the economy would remain sluggish

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The Last Mortgage Refinance

  I know it’s not breaking news that mortgage rates are low. They are very low in fact.  At the last Federal Open Market Committee (“FOMC”) meeting in September they elected to keep the Federal Funds Rate unchanged.  The FOMC

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All Eyes Are on The Fed

    The Federal Reserve Board (“Fed”) met in mid-September 2016 and again, decided to leave interest rates unchanged.  The last time they have raised interest rates was in December, 2015.    They raised the target federal funds rate to a

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