Author Archives: Michael Cochell

Michael Cochell

About Michael Cochell

Michael Cochell is associate vice president of Jacob Gold & Associates. For the last 14 years, Cochell has helped thousands of households organize and manage their personal financial affairs in the areas of banking and finance. He is an investment adviser representative and is registered with FINRA and holds Series 7, 63, 65 licenses, and is a graduate of Arizona State University.

Politics or Economics?

economy

Within the last few years we’ve experience a major cross over between politics and economics. Is this a good or a bad thing? Many economists believe that more political intervention can negatively affect the natural growth of the economy. While others believe that the U.S. could not have survived the 2008 “great recession” without the… Read More →

The Impact of Market Influences

market volatility
September 15, 2013 by in Columnist Spotlight | Finance

Many investors often question what influences the markets and what influences are most critical to pay attention to. There is no easy answer because there are several factors that can manipulate the markets and no one particular factor controls the direction. It’s a combination of several influences such as corporate performance, government- monetary policy, geopolitics,… Read More →

Re-balancing an investment portfolio?

Reviewing Investments Annually

When it comes to rebalancing an investment portfolio in today’s economic arena it can be very confusing to choose the right method. Most money-management firms and independent financial advisors use different rebalancing strategies so it’s important to know what approach they use and how often. I also find that many investors focus on their investment… Read More →

Housing, how should we look at it going forward?

home.prices

During the last two years the country has experienced an upward shift in the housing market. How does this affect home owners today? For years, home owners have typically viewed real estate as one of their largest assets. However, we’ve learned during the last housing bubble, it can also be our largest liability. The housing… Read More →

Do we have a clue of what financial stability is?

economy

It’s been nearly 5 years since we experienced the “Great Recession” and still we struggle to find the answers to stabilize the markets.  Since the recession we have experienced stricter bank regulations, continued government spending, high unemployment, struggling homeowners, and consumer confidence is still low. The crisis was tragic and because of its severity we… Read More →

What can the U.S. Count on for Future Growth?

economy

2012 was a smoother ride than expected for the markets. However, it was and will continue to be turbulent in the political arena. Hopefully, economics and politics will be able to work together and define a path that will create a stable environment for everyone. There are many exciting advances in different areas of our… Read More →

Market Volatility For Investors

market volatility

There are many perspectives to market volatility that investors can research, monitor and learn about. Some of these forms of volatility include actual historical volatility, actual future volatility, historical implied volatility, current implied volatility and future implied volatility. This can be very confusing so let’s look at the most commonly used in investing historic volatility… Read More →

Proactive Investing Vs. Reactive Investing

Proactive Investing vs. Reactive Investing
December 12, 2012 by in Columnist Spotlight | Finance

There are different styles and strategies investors may follow when investing. These style-driven approaches can change over time due to personal and economic experiences, such as our recent recession. Some of these strategies include quantitative influences, qualitative influences, aggressive to conservative investing, and short- and long-term investing. These are just among a few different ways… Read More →

Reviewing Investments Annually: Review The Past, Prepare For the Future

Reviewing Investments Annually
November 14, 2012 by in Columnist Spotlight | Finance

It’s that time of year again when the holidays are right around the corner, and everyone is looking forward to family time, bright lights and festive attitudes. However, it is also a time for investors to begin preparing for 2013, finalizing plans for 2012, and acting on any last minute tasks such as IRA contributions,… Read More →

Soaring College Cost And Financial Planning

Soaring College Cost and Financial Planning

Parents and students today should seriously consider saving for education cost early on. The cost of college tuition is becoming very expensive, specifically if your child is considering attending a private or out-of-state college. These costs have increased nearly 30 percent in the past decade and will most likely continue in the years to come.… Read More →

Risky Investments: How Much Of Your Porfolio Is Risky?

Are Your Investments Safe Or Risky?
September 12, 2012 by in Columnist Spotlight | Finance

It’s been only four years since our Great Recession, and the investment world has changed drastically. Many investors are thinking, planning and attempting to grow their wealth more cautiously. In many cases, it’s not about growth but preserving what one already has. It wasn’t long ago when general planning of life was much simpler. We… Read More →

Do You Have An Investment Style?

Investment Style

Many investors rely on their expertise, or their advisors’ expertise, to develop and follow an investment style. These styles are important and can help provide direction and assist in making investment decisions. Investment styles are developed based on many factors, including age, gender, income, family, wealth, tax situation and previous investment experience. These factors play… Read More →

Time Value Of Money And Planning

value of money

Understanding the general concept of the time value of money can help consumers plan appropriately for future needs and today’s wants. This concept applies to how a consumer may save, invest and make decisions on lending needs. Many of us are familiar with the idea that the earlier one starts saving the more he or… Read More →

Understanding Economic Concepts, Applying In A Global Perspective

Economic concepts

Within the past few decades we have become a global economy, which adds great opportunity but also risk. Our global economy is affected by many more factors today and is connected deeply with other countries. How does this affect the United Sates? It can affect us in many ways. Before analyzing our global economy it’s… Read More →

Understanding The Function, Purpose, Regulation Of Financial Institutions

financial institutions - bank

The functions and regulations of financial institutions have changed since our most recent recession and will likely continue to be governed at a higher level going forward. This is critical for the success of our future economy. Financial institutions help provide opportunity for our economic growth and improve our living standards. They do this by… Read More →