Overview The US stock market is down 23% since the start of the year. Almost every investment around the world is negative: international stocks (-22%), US bonds (-15%), and international bonds (-12%). Less diversified investments, such as the technology-heavy NASDAQ...

I wanted to share a few pieces of information regarding the recent market volatility. The Bad News: Succinctly put, it’s been a bad start to the year. The reasons are well known: inflationary worries, the Russia-Ukraine war, high oil prices, Covid shutdowns in China, and supply-chain shortages. The S&P 500…

The biggest event during the past quarter was the beginning of the war between Ukraine and Russia. This caused an increase in volatility across stock and bond markets. US and international stocks ended down for the quarter, as did US and international bonds. Apart from the tragic humanitarian impact, the effects of the war…

The fourth quarter of 2021 saw no shortage of concerning headlines, including the emergence of the omicron variant, political issues globally, and more persistent elevated inflation readings. On the positive side, employment conditions continue to improve, corporate earnings look strong…

As we enter the last month of the year, I'd like to share some personal news, a few year-end financial planning tips, and an interesting observation about the US economy. First off, the exciting personal news: I'm happy to announce that my wife is pregnant! This is...

The House of Representatives is expected to vote soon on the Build Back Better Act. This legislation affects federal taxes, so I wanted to share a preview of what's to come. Many expected to pay more tax under a Biden administration. Surprisingly, the bill will likely...

The third quarter started with continued strength across equity markets, before backtracking during September. . Issues that surfaced as cause for the pull back include: geopolitical concerns, economic impacts from..

Thank you for reading The 3-1-1, a bi-weekly newsletter about personal finance. Please see this week's articles, chart, and quote below: 3 Articles Market Timing GamePersonal Finance Club Are stocks due for a crash? Is it a good time to buy low? Can you time and beat...

Please see this week's personal finance articles, chart, and quote below. 3 Articles Home Bias and the Best Time to DiversfiyCharlie Bilello, Compound Advisors An important article showcasing how investors are more comfortable owning stocks that are based in their own...