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Investment Corner is an editorial by:

Alex Gallego, AAMS
First Vice President/Investments
Branch Manager


Stifel, Nicolaus & Company, Incorporated
50 Audrey Avenue
Oyster Bay, NY 11771
(516) 624-2707
(866) 398-5377
fax: (516) 624-7147
alex.gallego@stifel.com

http://www.stifel.com

MEMBER SIPC AND NYSE
Why Do People Buy Annuities ?

An Editorial By Alex Gallego AAMS

Jun 27, 2007 - There are a number of reasons why people buy annuities. This insurance-based financial vehicle can provide many benefits that retirement investors might want.


What Is Diversification ?

An Editorial By Alex Gallego First Vice President AAMS

Jun 4, 2007 - Virtually every investment has some type of risk associated with it.The stock market rises and falls. An increase in interest rates can cause a decline in the bond market. No matter what you decide to invest in, risk is something you must consider.


How Long Will It Take To Double My Money ?

An Editorial By Alex Gallego AAMS

May 2, 2007 - Before making any investment decision, one of the key elements you face is working out the real rate of return on your investment.


What Types of Bonds are Available ?

An Editorial By Alex Gallego AAMS

Feb 27, 2007 - Bonds are issued by federal, state, and local governments; agencies of the U.S. government; and corporations. There are three basic types of bonds: U.S. Treasury, municipal, and corporate.


What Do Roth IRAs Offer ?

An Editorial By Alex Gallego AAMS

Feb 16, 2007 - Traditional IRAs have long been popular with investors. For many people, they offer a substantial current income tax deduction. And the assets in an IRA grow tax deferred. Unfortunately, there are some significant eligibity restrictions for traditional deductible IRAs. If you're an active participant in a qualified plan-such as a simple plan or a 401(K) plan - your IRA deduction could be reduced or eliminated if your income is above certain levels.


What Tax Deductions Are Still Available to Me ?

An Editorial By Alex Gallego AAMS First Vice President

Jan 10, 2007 - When Congress changed the tax codes with the Tax Reform Act of 1986, It eliminated many of the deductions that enable many people to avoid paying income taxes. The revision was very thorough. However, for those taxpayers who itemize, some key deductions remain


Don't Let Short- Term Volatility Affect your long term view

An Editorial By Alex Gallego AAMS

Dec 1, 2006 - The market rarely proceeds in a straight line. It has ups and downs. Rather than react emotionally to unpredictable market dips and jumps, it's a good idea to prepare your portfolio and your frame of mind to withstand potential turbulence.


What Are the Advantages of Saving Sooner ?

An Editorial By Alex Gallego AAMS

Nov 13, 2006 - Most people have good intentions about saving for retirement. But few know when to start or how much is enough. Far too many people use credit cards as an additional income source and sink further into debt. This leaves precious few dollars to put aside for savings and retirement. And the interest on credit cards builds up much faster than interest on a savings account.


Is Your Financial House In Order ?

An Editorial By Alex Gallego AAMS

Oct 6, 2006 - New tax laws, Market uncetainty, the war on Terrorism Investors are faced with many questions. The best advise is to be prepared. It's always a good move to take stock of your portfolio and your overall financial situation. Consider the following as a few helpful tips:




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