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Independent Registered Investment Advisor

AF Capital Management

  • 10 Questions Before Buying a Stock

    Why are you buying this stock? You need to be able to define why you like a company’s stock before buying it. Buying because you heard a great stock tip is a recipe for disaster. The investors who can time their entry into the next “hot stock” are rare to find after the tip has trickled…

  • Freeze Credit Reports

    Freezing your credit reports with the three major credit reporting companies (TransUnion, Equifax and Experian individually) can be one of the best ways to prevent someone from opening credit in your name. Without a freeze on your credit reports, a thief who has obtained your personal information (i.e. social security number, driver’s’ license number) can open…

  • What Every Investor Should Know

    Anyone investing in the stock market should know a few basic principles to understand what they are buying into (or what their investment advisor is buying for them). These few points are the bare minimum investors should comprehend before placing any of their money at risk. Funds come in two basic types – mutual funds…

  • IRA & 401(k) Contribution Limits 2017

    Traditional IRA contribution limits are not only limited to a specific dollar amount, but the IRS also limits the deductibility of contributions if the participant and/or spouse have access to a 401(k) plan at work. If you (or your spouse if you are married) do not have a 401(k) plan at work, you can deduct…

  • 5 Reasons Debt is Your Enemy

    Most people will agree that debt is a bad thing.  I’m not talking about a reasonable mortgage on your home or a five-year car loan at a low interest rate.  Debt on credit cards that you cannot pay off each month or a six or seven-year car loan on a car you won’t keep until…

  • FDIC or SIPC – Who is Protecting Your Assets

    Most people are familiar with the Federal Deposit Insurance Corporation (better known as “the FDIC”).  We hear these letters at the end of every bank commercial to let us know our deposits are insured in case there is another “run” on a bank or if a single bank goes under.  The FDIC insures deposits up…

  • What is Wealthy?

    The adjective “wealthy” is typically used to describe a person (or family) who has a lot of money and/or possessions.  I think there is more to being wealthy than just having a lot of “stuff” (or at least more than your brother-in-law).  Consider this scenario, if someone has money and material possessions worth $10 million, but has…

  • Free Credit Reports

    Consumers need to protect their credit at all times.  The better someone’s credit score is, the lower the cost to borrow money.  The lower the cost of borrowing, the more money the borrower gets to keep.  Credit reports are important for more than simply borrowing money.  Poor reports can affect job applications and apartment requests…