Yale Bock

CFA
Personal Finance, Investing, Small Business
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“With over 15 years of analyzing equity investments for clients, Yale Bock is committed to giving his clients special attention in creating accounts which are tailored to meet their specific life goals.”
Firm:

Y H & C Investments

Job Title:

President & Owner

Biography:

Yale Bock is the owner and operator of Y H & C Investments, a registered investment adviser (Nevada and FINRA licensed) located in Las Vegas, NV.  All operations are directed by Yale and he is responsible for the investment research, portfolio management, asset allocation, trading decisions, trade execution, risk management, and any client communication.

Y H & C Investments is a boutique registered investment advisor based in Las Vegas, NV. The company offers asset management services which include strategic asset allocation, tactical asset allocation, investment research, portfolio management, portfolio measurement and assessment, diversification and hedging, and financial documentation and customer support. The mission of the company is to help people reach their financial goals and objectives.

Yale has been investing his own capital for 20 years and client money since 2004. Yale earned a B.A. in economics from UC-Irvine in 1989, and an M.B.A from UC-Irvine in 1991. He earned the right to use the Chartered Financial Analyst designation in 2007.

Education:

BA, Economics, University of California, Irvine - The Paul Merage School of Business

Assets Under Management:

$10 million

CRD Number:

129823

Disclaimer:

Disclosure

Investing money in capital markets involves risk and could result in losing money.  Past performance is no guarantee of future results. Future results are likely to be different from past performance. All equity portfolios involve risk and may lose money. One should research any investment and make sure it is suitable with your objectives, risk tolerance, risk profile, liquidity considerations, tax situation, and anything else pertinent to your financial situation. Also, attaining or holding the CFA credential in no way suggests performance will be superior than a market index or market return.

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    Debt, Real Estate
To live debt free, should I sell my home and use the money to pay off my debt, buy a new property and finance a new loan, or rent and invest?

You are asking an interesting question.  Some of the answer depends on your specific long term employment situation in terms of whether you believe you will be in the current position for the long term and you do not envision that changing.  If that is the case, you have differetn possibilities to consider.  First, relative to the amount of equity in your home and the amount of money you earn per year, the debt you have is minimal, and financed relatively cheaply.  The car loan at 3% is a very low rate, and the HELOC is also not expensive.  Paying off expensive debt is always a priority, conversely, cheap debt probably should not be paid off quickly.  If this is the only debt you have, then you would make the HELOC line the first debt you pay off.  As for selling your house and investing the proceeds after renting, without knowing the specific neighborhood and how much (or if there will be any profit) on a potential sale, you are probably wise to consult a real estate professional to help with that situation.  Once you get an idea of what kind of outcome you might have, then you can plan accordingly.  I realize this is not the most complete answer but I hope it helps give you another way of looking at the problem.

 

Yale Bock, CFA

Y H & C Investments

3 days ago
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