For more information about the author, click to view their website: Edward Jones
You’ll find some big differences between traditional and speculative investments — and knowing these differences can matter a great deal when you’re trying to reach your financial goals.
To begin with, let’s look at the basic types of traditional and speculative investments. Traditional investments are those with which you’re probably already familiar: stocks, bonds, mutual funds, government securities, certificates of deposit (CDs) and so on. Speculative investments include cryptocurrencies, foreign currencies and precious metals such as gold, silver and copper.
Now, consider these three components of investing and how they differ between traditional and speculative investments:
The first issue to consider is risk. When you own stocks or stock-based mutual funds, the value of your investments will fluctuate. And bond prices will also move up and down, largely in response to changing interest rates. However, owning an array of stocks — small-company,
large-company, international, etc. — can help reduce the impact of volatility on your stock portfolio. And owning a mix of short- and long-term bonds can help you defend yourself somewhat against interest-rate movements. When interest rates fall, you’ll still have your longer-term bonds, which generally — but not always – pay higher rates than short-term ones. And when interest rates rise, you can redeem your maturing short-term bonds at potentially higher rates.
With speculative investments, though, price movements can be extreme as well as rapid. During their short history, cryptocurrencies in particular have shown astonishingly fast moves up and down, resulting in huge gains followed by equally huge, or bigger, losses. The risk factor for crypto is exacerbated by its being largely unregulated, unlike with stocks and bonds, whose transactions are overseen by well-established regulatory agencies. There just isn’t much that investors can do to modulate the risk presented by crypto and some other speculative investments.
A second key difference between traditional and speculative investments is the time horizon involved. When you invest in stocks and other traditional investments, you ideally should be in it for the long term — it’s not a “get rich quick” strategy. But those who purchase speculative investments
want, and expect, quick and sizable returns, despite the considerable risk involved. A third difference between the two types of investments is the activity required by investors. When you’re a long-term investor in traditional investments, you may not have to do all that much, once you’ve built a
portfolio that’s appropriate for your risk tolerance, goals and time horizon.
After that point, it’s mostly just a matter of monitoring your portfolio and making occasional moves — you’re not constantly buying and selling, or at least you shouldn’t be. But when you speculate in crypto or other instruments, you are constantly watching prices move — and then making your own moves in response. It’s an activity that requires considerable attention and effort.
One final thought: Not all speculative instruments are necessarily bad investments. Precious metals, for instance, are found in some traditional mutual funds, sometimes in the form of shares of mining companies. And even crypto may become more of a stable vehicle once additional regulation comes into play. But if you’re investing for long-term goals, such as a comfortable retirement — rather than speculating for thrills and quick gains, which may disappear just as quickly — you may want to give careful thought to the types of investments you pursue.
Chad Choate III, AAMS
828 3rd Avenue West
Bradenton, FL 34205
941-462-2445
chad.chaote@edwardjones.com
TThis article was written by Edward Jones for use by your local Edward Jones Financial Advisor.
Top Questions to Ask Your Healthcare Provider: A Guide for SeniorsAs we get older, our health needs change. Regular checkups and open conversations with your healthcare provider become even more important. But lets be honestmost doctor visits feel rushed or even overwhelming. You have so much you want to discuss with your doctor, only to leave the office and suddenly realize you forgot to ask all the questions you had intended to.Thats why you have to be prepared. Asking the right questions can help you better understand your health, avoid confusion, and feel more in control of your care. If youre a senioror caring for onehere are the top 5 questions you should ask your healthcare provider. Print them out, jot them down, or keep them in your phone. These questions can help make the most of every visit.1. What screenings or tests do I need at my age?This is one of the most important questions to discuss with your doctor. Prevention is key to better health. Health screenings give you the opportunity to catch potential health issues early before they become serious. Thats especially important as we get older, since the risk of certain conditions (like heart disease, diabetes, cancer, and osteoporosis) increases with age. Some screenings are age-based, while others depend on your personal and family history. Common screenings for older adults may include: Blood pressure and cholesterol checks Bone density scan Mammogram or prostate exam Colon cancer screening Vision and hearing tests Diabetes screenings Ask your provider: Am I due for any screenings? How often should I get these done? Do I need any lab work or imaging? 2. Are all my medications still necessary?Its common for many seniors to take multiple medications to manage different health conditions. But over time, your health needs can change, and so can your bodys response to certain drugs. Thats why its important to regularly review your medications with your doctor. Some prescriptions may no longer be needed, while others might interact with new medications or cause unwanted side effects. Asking about your current medications helps ensure youre only taking whats truly helpfuland nothing more.Always bring a list of everything you are taking, including over-the-counter drugs as well as vitamins and herbal supplements.Ask your provider: Do I still need these medications?Are there any side effects I should watch for?Can any of these medications intereact with each other - or with over-the-counter vitamins or supplements I take? 3. What vaccines do I need to stay protected?Many people tend to think vaccines are just for children. But that certainly is not the case. As we age, our immune systems become weaker, making us more vulnerable to certain infections. Certain illnesses, like the flu, pneumonia, shingles, and COVID-19, can be more serious in seniors. Thats where vaccines come into play. Staying up to date on recommended vaccines can help prevent complications and keep you out of the hospital. Recommended vaccines for seniors often include: Flu shot (every year) Shingles vaccine (usually two doses after age 50) Pneumonia vaccine COVID-19 vaccines and boosters Tdap booster (for tetanus, diphtheria, and whooping cough) Ask your provider: Am I up to date on my vaccines? Do I need the shingles or pneumonia shot? What about the flu or COVID vaccines? 4. How is my memory and mental health?Its normal to forget where you put your keys now and then, but memory loss that affects daily life shouldnt be ignored. The same goes for feeling down, anxious, or lonely. Your mental health is just as important as your physical health, and it deserves attention too.Memory issues and mental health concerns often go unspoken. The earlier you talk about it, the more options there are to support your wellbeing and independence. It can help to talk openly with your provider about how you're feeling emotionallyespecially after big life changes like retirement, loss, or illness. If needed, your provider may suggest counseling, support groups, or safe treatments. Ask your provider:Is my memory okay for my age?Should I be concerned about confusion or forgetfulness?How do I know if I'm just feeling low or if I'm dealing with depression or anxiety?5. What can I do at home to stay healthy and prevent illness?Staying healthy isnt just about doctor visitsits about the choices you make every day at home. From the foods you eat to how active you are, small lifestyle habits can have a big impact on your overall well-being. Your provider can guide you on safe, practical ways to support your health right from the comfort of your home.Ask your provider:What kind of exercise is safe for me?Should I be eating differently at my age?How can I improve my sleep or energy? Speak Up and Be a Partner in Your Healthcare JourneyYour doctor is your partner in healthbut youre the expert on how you feel. Dont be afraid to ask questions, bring notes, or speak up if something doesnt make sense or feel right. There are no wrong questions when it comes to your health. At VIPcare, we specialize in senior-focused primary care. Our providers take time to listen, answer your questions, and tailor care to your specific needs. From preventive screenings to chronic condition management, were here to support your health and your goals. Call (251) 257-2886 today to schedule an appointment or learn more at www.getvipcare.com.
As we age, staying mentally, physically, and socially engaged is more important than ever. The good news? There are more ways than ever for older adults to stay connected, creative, and activeno matter their mobility, interests, or abilities.At Seniors Blue Book, we understand how essential purposeful living is at every stage of life. Thats why weve put together this list of the best hobbies and activities for seniors to enjoywhether living independently, receiving in-home care, or thriving in an assisted living or memory care community. 1. Creative Hobbies to Spark JoyEngaging in creative pursuits not only fuels the imaginationits also proven to reduce stress and boost cognitive function.Painting & Drawing No experience needed! Art classes are often available in senior centers or communities.Crafts & DIY Projects Scrapbooking, jewelry-making, knitting, or seasonal dcor projects offer both creativity and fine motor activity.Music & Singing Whether its joining a choir or simply enjoying a favorite playlist, music lifts the spirit and sharpens the mind. 2. Learning-Based Activities to Keep the Mind SharpLifelong learning improves memory and focusand its fun!Book Clubs Join in person or virtually to discuss novels and make new friends.Language Learning Apps like Duolingo make it easy to learn at your own pace.History or Trivia Games Great for memory support, especially for those in memory care environments. 3. Movement That Feels Good (and Does Good!)Staying active improves circulation, balance, strength, and mental health.Walking Groups Daily strolls offer gentle movement and meaningful conversation.Tai Chi & Chair Yoga These low-impact exercises improve balance and reduce stress.Gardening Great for physical activity, vitamin D, and a rewarding sense of purpose. 4. Games & Puzzles for Fun and FocusChallenge the brain while having fun!Board Games Try classics like Scrabble, Rummikub, or checkers.Card Games Bridge, solitaire, or poker nights foster social interaction.Puzzles From 100-piece jigsaws to Sudoku, puzzles offer a quiet and stimulating hobby. 5. Social Activities that Build CommunityStaying socially active is key to emotional well-being and overall health.Volunteering Whether helping at a library or mentoring youth, giving back feels good at any age.Clubs & Meetups From birdwatching to bowling, theres a group for every interest.Virtual Socializing Zoom calls and online meetups help bridge distance with loved ones. Why Staying Engaged MattersSeniors who regularly participate in hobbies and group activities often experience:Lower risk of cognitive declineReduced feelings of lonelinessImproved mobility and coordinationStronger sense of purpose and daily joyAt Seniors Blue Book, we believe every senior deserves a vibrant, connected life. Whether youre a caregiver, family member, or senior yourself, we invite you to explore resources that support a more fulfilling lifestyle. Explore Senior Services That Support an Active LifestyleLooking for the right environment or support for you or a loved one? Use our free Seniors Blue Book directory to find:Independent Living & Assisted Living CommunitiesIn-Home Care Services & Hospice ProvidersSenior Wellness ProgramsTransportation, Moving Help, Legal Services & MoreStart your search here: https://seniorsbluebook.comFinal Thought:Its never too late to try something new. Whether its painting your first canvas, planting a garden, or joining a walking groupevery small step adds joy, purpose, and connection to daily life.Share this article with someone you care about Lets help more families and seniors discover the joy of staying engaged at any age.
As the owner of Ashton Senior Placement, I want you to know that my journey into senior living began not in an office, but on the front lines, working as a nursing home social worker. For years, I had the privilege of walking alongside countless families and their loved ones, helping them navigate the daily realities of long-term care. This experience gave me a profound understanding of the emotional and practical challenges involved, and it ignited a passion within me to make the transition to senior living a much smoother, more positive experience for everyone.Why I Founded Ashton Senior PlacementI founded Ashton Senior Placement because I saw a critical need for a more personalized, compassionate approach to finding senior care. In my social work role, I often witnessed the overwhelming feelings families faced trying to sort through countless options on their own. My goal was to create a service that takes that burden off your shoulders, offering expert guidance rooted in real-world experience. I want to be the trusted resource I wished every family had during those complex times.Leveraging My Expertise for Your Peace of MindMy years as a social worker gave me an intimate understanding of the nuances within senior care communities what makes a good fit, what questions to ask, and how to identify quality care. I've been inside these communities, I've seen them in action, and I've advocated for residents. I leverage this unique expertise to meticulously vet each option, ensuring I recommend only the places that meet the highest standards of care and genuinely feel like home. Your peace of mind is my priority.More Than Just a Match It's About the Right FitFor me, its never just about finding 'a' place; it's about finding the right place. Just as I worked to understand the individual needs and personalities of residents in the nursing home, I apply that same approach here. I believe every senior deserves a community where they can thrive, maintain their dignity, and find joy. That's why I dedicate myself to understanding your loved one's unique preferences and needs, ensuring a match that truly feels like home.Your Trusted Advocate and GuideConsider me your advocate and guide through this important life transition. Having navigated countless difficult conversations and complex decisions in my social work career, I'm well-equipped to support you without judgment. From our first conversation to helping you tour facilities, I'll be by your side, providing clear, honest advice and unwavering support. My aim is to make this journey as smooth and stress-free as possible for your entire family, because I truly care.Our Service Is Free to You Here's HowOne of the most common questions I get from families is, 'How much does your service cost?' I'm always happy to tell them: my services at Ashton Senior Placement are completely free to you and/or your loved one. This might sound surprising, especially when you're already facing potential senior living expenses, but I want to be transparent about how it works. Just like how real estate agents are compensated by the seller, I receive a referral fee from the senior living communities once your loved one successfully moves in. This means my focus remains entirely on finding the absolute best fit for your needs, without any financial burden on your family during an already challenging time. My commitment is to your peace of mind, not your wallet.
Experience and BackgroundI am a financial advisor in Bradenton, FL, and began my career with Edward Jones in 2017. As a financial advisor, I want to find out what's important to you and help you build personalized strategies to achieve your goals.As a lifelong Manatee County resident, I graduated from the University of South Florida and was a teacher in Manatee County before joining Edward Jones. My driving force is to change people's lives in a positive way, and what better place than my home to do that.Whether you're planning for retirement, saving for college for children or grandchildren, or just trying to protect the financial future of the ones you care for the most, we can work together to develop specific strategies to help you achieve your goals. We will also monitor your progress to help make sure you stay on track or determine if any adjustments need to be made. Throughout it all, we're dedicated to providing you with top-notch client service.But we're not alone. Thousands of people and advanced technology support our office so that we can help ensure you receive the most current and comprehensive guidance. In addition, we welcome the opportunity to work with your attorney, accountant and other trusted professionals to deliver a comprehensive strategy that leverages everyone's expertise. Working together, we can help you develop a complete, tailored strategy to help you achieve your financial goals.I currently volunteer with the Manatee Hurricane football Broadcast and Booster Club, serve on my church's trustees council and have previously served as a leader in Young Life. I am a member of the Manatee Chamber of Commerce and an alumnus of their Leadership Manatee program.I have been married to my childhood sweetheart, Ashley, for 15 years and we have a son, Wesley, and daughter, Camryn. We enjoy watching our children play their sports and traveling as a family.
Hello, I'm Chad Choate a dedicated financial advisor in Bradenton, FL, I began my career with Edward Jones in 2017. As a financial advisor, I want to find out what's important to you and help you build personalized strategies to achieve your goals. As a lifelong Manatee County resident, I graduated from the University of South Florida and was a teacher in Manatee County before joining Edward Jones. My driving force is to change people's lives in a positive way, and what better place than my home to do that. Whether you're planning for retirement, saving for college for children or grandchildren or just trying to protect the financial future of the ones you care for the most, we can work together to develop specific strategies to help you achieve your goals. We will also monitor your progress to help make sure you stay on track or determine if any adjustments need to be made. Throughout it all, we're dedicated to providing you with top-notch client service. But we're not alone. Thousands of people and advanced technology support from our office can help ensure you receive the most current and comprehensive guidance. In addition, we welcome the opportunity to work with your attorney, accountant and other trusted professionals to deliver a comprehensive strategy that leverages everyone's expertise. Working together, we can help you develop a complete, tailored strategy to help you achieve your financial goals. I currently volunteer with the Manatee Hurricane football Broadcast and Booster Club, serve on my church's trustees council and have previously served as a leader in Young Life. I am a member of the Manatee Chamber of Commerce and an alumnus of their Leadership Manatee program. I have been married to my childhood sweetheart, Ashley, for 15 years and we have a son, Wesley, and daughter, Camryn. We enjoy watching our children play their sports and traveling as a family.
Hello, I'm Chad Choate a dedicated financial advisor in Bradenton, FL, I began my career with Edward Jones in 2017. As a financial advisor, I want to find out what's important to you and help you build personalized strategies to achieve your goals. As a lifelong Manatee County resident, I graduated from the University of South Florida and was a teacher in Manatee County before joining Edward Jones. My driving force is to change people's lives in a positive way, and what better place than my home to do that. Whether you're planning for retirement, saving for college for children or grandchildren or just trying to protect the financial future of the ones you care for the most, we can work together to develop specific strategies to help you achieve your goals. We will also monitor your progress to help make sure you stay on track or determine if any adjustments need to be made. Throughout it all, we're dedicated to providing you with top-notch client service. But we're not alone. Thousands of people and advanced technology support from our office can help ensure you receive the most current and comprehensive guidance. In addition, we welcome the opportunity to work with your attorney, accountant and other trusted professionals to deliver a comprehensive strategy that leverages everyone's expertise. Working together, we can help you develop a complete, tailored strategy to help you achieve your financial goals. I currently volunteer with the Manatee Hurricane football Broadcast and Booster Club, serve on my church's trustees council and have previously served as a leader in Young Life. I am a member of the Manatee Chamber of Commerce and an alumnus of their Leadership Manatee program. I have been married to my childhood sweetheart, Ashley, for 15 years and we have a son, Wesley, and daughter, Camryn. We enjoy watching our children play their sports and traveling as a family.