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from FREEDMAN FINANCIAL | November 4, 2016
Elections & the Markets
Only a few more days to go in this election, and then what?

A big focus of this election has been on which candidate will be better for the American economy, and perhaps selfishly, we wonder what will happen to our portfolios? 

While many of us believe that who's in the White House has a direct effect on the markets, history simply don't support it. There are a multitude of factors that influence the stock markets; and they're much more than who lives at 1600 Pennsylvania Avenue. Markets can move on economic cycles, job growth, advances in technology and more. Making moves to your portfolio based on the election is not prudent, after all there are presidential elections every four years and most of us have investment objectives longer than that.

Guide to Ordering Wine
Avoid embarrassment. Save money. Pick something fabulous.

The first thing to consider, is whether to buy wine by the glass or the bottle? Wine by the glass is ALWAYS more expensive. Usually it has a bigger mark up or it's often a less superior wine. Consider this, a single glass of wine will usually cover the restaurant's cost for the entire bottle. Wine goes bad, and relatively fast once the bottle is uncorked. Thus, restaurants have to recoup their costs if you're the only one who drinks a glass of Pinot Noir on a given night. 

Bottles are always a better bargain, and give you about four or five glasses of wine. So depending on how much you may have with dinner, it could be a no brainer! The mark-up is usually less on a more expensive bottle of wine as well, so there can be some "value" inside the wine list. Need some tips on choosing a wine without looking dumb or cheap, click on the link below.

IN CASE YOU MISSED IT
Freedman Financial's Blog
Read our latest blog post here, as well as find other postings that may be of interest to you.
Weekly Market Commentary
Keeping Health Care Affordable
Shop around and do your research to get the best price on health care.

Health care is expensive and prices are rising year after year. Many of the costs associated with health care are out of our control, and until they are reined in by the drug companies, hospitals and the insurance companies, we are only left with control of our out-of-pocket expenses.

Open enrollment is now. Review your health care costs and your plan options. If you are on Medicare, enrolled in an Affordable Care Plan or have insurance through your employer, make sure you take a fresh look at your choices. There are experts out there, who can evaluate your needs & budget. They will work to find the best plan for YOU. Sticking with the status quo, while it may be easy, it is often not the best plan.

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The opinions expressed in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.  To determine which investments may be appropriate for you, consult your financial advisor prior to investing.

Investment advice offered through Freedman Financial, an SEC registered investment advisor.