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Federal Reserve Building

What is the Federal Reserve? A Beginner’s Guide to Monetary Policy

In case you ever wondered what the Fed is, here’s a quick explanation: The Federal Reserve is the central bank of the United States Government. It is a system where a Board of Governors oversees the 12 Federal Reserve Banks and their underlying branches. Federal Reserve board members are nominated by the President and approved…

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Four Investing Concepts Everyone Should Know

When it comes to financial literacy, many Americans lack basic money-management skills. Yet, to achieve a secure retirement and accomplish other financial goals along the way, it couldn’t be more important to at least have a general understanding of the basics. Here are four tips that can help you better understand the often intimidating investment…

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The Role of Our Biases in Investing

Every day we make thousands of decisions. Some big, others small. Some decisions we are consciously aware of—while others we make instinctively and automatically, often based on our “gut” or cognitive biases. A cognitive bias is an instinctual response or belief that we have. Most of these responses have developed over time to provide our…

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Girl is taking out money from wallet

Beware of Vanishing Money

Consider this fun fact: If you had put one dollar in a jar in 1976, it would be worth about 23 cents today. In just 40 years, thanks to inflation, your buying power has shrunk by over 75 percent. Think of it as the incredible disappearing money trick. Over your working years, without proper financial…

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Financial Wisdom

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You are now leaving the Jemma Investment Advisors, LLC Website and will be entering the Charles Schwab & Co., Inc. ("Schwab") Website. Schwab is a registered broker-dealer, and is not affiliated with Jemma Investment Advisors, LLC, or any advisor(s) whose name(s) appears on this Website. Jemma Investment Advisors, LLC is independently owned and operated. Schwab neither endorses nor recommends Jemma Investment Advisors, LLC. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Jemma Investment Advisors, LLC under which Schwab provides Jemma Investment Advisors, LLC with services related to your account. Schwab does not review the Jemma Investment Advisors, LLC Website, and makes no representation regarding the content of the Website. The information contained in the Jemma Investment Advisors, LLC Website should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.

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