Our Publications

Our Publications

We send newsletters to our clients, colleagues, and interested parties each calendar quarter. Our newsletters provide us with the opportunity to share our current views on the financial markets as well as timely opinions on various wealth management topics.

Articles

 

Keeping Our Eyes on Access to Capital

Joel Goodman, CFA
Chief Investment Officer
joel@tfginvest.com
 
Scott McGhie, CFA, CPA
Director of Research & Portfolio Management scott@tfginvest.com  
Alex Morris, CFA, MBA
Research Analyst
alex@tfginvest.com
 
Jared Hammers, CFA
Research Analyst
jared@tfginvest.com
  In 2007, you could count the number of companies with a “AAA” credit rating on two hands. General Electric (GE) was among that select group. But decisions made by management over the preceding 10-15 years eventually led GE to lose that top credit rating in 2009 – and seriously tested the company’s financial stability. Consider, for example, the growth of the company’s finance division, GE Capital, which was created in the early 1930’s to facilitate customer purchases in the industrial business. Over time, the focus of GE Capital shifted from industrial purchases into the financing of other assets, including subprime mortgages, auto loans, and credit-card debt. GE capitalized on its “AAA” credit rating, raising billions and billions of dollars of low cost debt. By 2007, GE Capital was big enough to qualify as one of the largest banks in the country and accounted for the majority of GE’s profits.

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Indentity Theft

Brendan Flaherty
Director of Operations
brendan@tfginvest.com
Most people have been, or know someone who has been, affected by identity theft. It happens to those in their 20’s, those in their 90’s, and to all ages in between. According to the Federal Trade Commission, identity theft occurs when someone uses personally identifying information (PII) without permission to commit fraud or other crimes. How criminals obtain or use your data varies from incident to incident. Cyber-attacks against firms like Yahoo! and Equifax have exposed sensitive client account information ranging from social security numbers to email login credentials. The Equifax incident alone exposed PII of nearly half of the United States population.

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