Categories

Archive

Hilltop Views

From monthly archives: September 2017

We are pleased to present below all posts archived in 'September 2017'. If you still can't find what you are looking for, try using the search box.

Build Your Team with Purpose

Build Your Team with Purpose
Like me, you have been a part of a team at some point. Early on you may have played on a sports team, been assigned a group project at school, or joined a group of community volunteers.  As adults we trade our backpacks and Little League uniforms for laptops and dress slacks.  Whether you’re collaborating on an annual report or organizing your favorite charity’s annual fundraiser, the team’s success depends on how well you work together.  Good teamwork isn’t happenstance – the team’s chemistry can and should be built intentionally. The ideal team environment combines a healthy balance of individual strengths along with collaborative relationships.  This isn’t always easy to achieve, but the result is efficiency and effectiveness.  At Hilltop, this means a smooth day-to-day process for our team members and a positive experience for our clients.  Poorly performing teams, on the other hand, can lose productivity so the whole is actuall ...

Read the rest of entry »

Equifax data breach – how you can protect yourself

Equifax data breach – how you can protect yourself
As you have probably heard by now, the Equifax credit bureau reported last week that their database was infiltrated by criminals between May and July of this year.  According to Equifax, the criminals gathered information on 143 million people, including names, Social Security numbers, birth dates, addresses, and some driver’s license numbers. What makes this worse is that there was never a realistic way to prevent yourself from being in Equifax’s database.  The three credit bureaus (Experian and TransUnion are the other two) get their information from lenders and public records, so almost every adult in this country has a file, like it or not.  These reports are used by lenders, landlords, potential employers, insurance companies and more to decide whether to extend credit to you, how much to charge for various services, etc. As far as cybersecurity incidents go, this has the potential to be the most damaging to individuals of all time.  The number of people affected is ...

Read the rest of entry »

Don't Sleep on International Stocks

Don't Sleep on International Stocks
We take it for granted now that the world is becoming more globalized every year.  This can be seen in the production of goods – NPR’s Planet Money  produced a series in 2013 following the production of a simple T-shirt, showing how cotton makes its way from the US to Asia or South America for production and back again to the US for sale.  Globalization is also plainly visible in sports marketing – if you watch European football (or soccer, if you will), you can see Chinese ads on the sidelines and American corporate logos on the jerseys. Clearly, money flows between nations more freely than it used to.  As a result, investments in foreign companies have become more mainstream.  Plus, they offer diversification benefits in a portfolio that is heavy in US investments. And yet, as Hilltop believes, many investors may fail to allocate enough of their portfolios to international investments.  Termed a “domestic bias” or “home country bias&rdq ...

Read the rest of entry »