Quarterly Client Newsletters

Client Newsletter    Volume XXIX   Number 4  May, 2024 Download PDF   From The Economist magazine dated March 2, 2024 (subtitle: Stockmarkets are booming. But the good times are unlikely to last): “Everywhere you look, stockmarkets are breaking records. American equities, measured by... Read More →

Client Newsletter    Volume XXIX   Number 3  February, 2024 Download PDF   From The Economist magazine dated December 2, 2023 (subtitle: We crunch the house-price data across every county—with surprising results): “For years new homebuyers in American have enjoyed lower housing costs than... Read More →

Client Newsletter    Volume XXIX   Number 2   November 1, 2023 Download PDF   From an online article of the same name by Jeffrey Quiggle dated May 3, 2023: “A young questioner named Chris, according to KATR News in Phoenix, AZ., asked Ramsey a... Read More →

Client Newsletter    Volume XXIX   Number 1   August 1, 2023 Download PDF   When I began assisting clients with their investments, all of our investments were custodied directly by the Vanguard Group, but more than two decades ago, Vanguard got out of the... Read More →

Client Newsletter    Volume XXVIII   Number 4   May 1, 2023 Download PDF   Almost all of us use banks, generally national banks, to process payments for us, and, occasionally, for conservative investments (e.g. certificates of deposit, CDs).  Earlier this year, a bank in... Read More →

Client Newsletter    Volume XXVIII   Number 3   February 1, 2023 Download PDF   While most of us were on holiday around the end of 2022 (or licking our wounds from both stock and bond investment losses in 2022), the Secure Act 2.0 was... Read More →