Scroll down for commentary, important news, links to articles we like, and anything else we believe is worth reading.


Give us your email and we’ll send you what you need to know, as we post it.

Last 77 Days: Economy Down, Market Up…Huh?

June 9, 2020Why This Happens   Since March 23rd, as you read this, unemployment has jumped off the charts (even after Friday’s report). More businesses have shuttered permanently. GDP forecasts have soured. The decline in industrial production was worse than any time during the Great Depression. Confirmed world corona cases have soared from 335,000 to 6,931,000. Deaths, from 14,700 to 401,000. All after March 23rd. Here’s an extremely, if not ridiculously, crude chart of all that bad news, alongside the return of the S&P 500 during that time: That’s a 44% gain for the S&P. To quote John’s mom, “It just doesn’t ... Read More

Frequently “Oaked” Questions

May 1, 2020You Asked, So We’ll Answer   FOQ: Can I lose all my money? Short: Nope. Long: We’ve all heard stories of someone’s cousin or whoever “losing it all in the market”. Here’s how that happens: Pick a stock, any stock, or maybe one you like (weed stocks are a popular pick these days, though slightly behind small pharmaceutical stocks racing for a virus cure). Put all your savings into that one stock, and if it’s anything like Enron or Sears or Pan Am or Lehman Brothers…poof! David Copperfield would be proud. For each of those high-profile bankruptcies, there are hundreds ... Read More

Forget the Markets for a Minute

April 8, 2020Life would never be the same. Banks weren’t too big to fail, and so nearly half of them had disappeared. “Bank runs” became the norm. Countries stopped trading. The market dropped 89%. One in every four households was without a breadwinner. Farmers abandoned their fields amid mass migration. Mulligan stew, complete with sawdust and lint, was often on the menu. Fresh off the excess of the Roaring 20’s, frugality infected an entire generation. For all these reasons, many thought the American Dream would forever be shattered. Life would never be the same. That was 1932. It was the first “ ... Read More

What the CARES Act Means to Your Investments

April 1, 2020And who gets the $1200   Passed Friday, the CARES Act is making headlines for the check (or direct deposit, if the IRS has your banking info) many will receive soon. There are a few other details that may affect your investments, in a good way. Here’s what you need to know: Relief checks: Individuals with adjusted gross incomes up to $75,000 a year will be eligible for the full $1,200 check. For every $100 earned over $75,000, the check will be reduced by $5. That means that at $99,000 and over, you get nothing. Double these numbers for married ... Read More

The Holy Grail

The Holy Grail is understanding what determines expected return. Leveraging quality proven data is key.

A Foundation Built on Great Ideas

Many of the greatest advancements in finance have come from academic research. Dimensional Fund Advisors is a pioneer in translating those discoveries into practical investment solutions for clients.