Articles
These original articles are written by Dave Hamra and frequently appear in local publications. They are posted here to illustrate our philosophy and thinking.
May the In-force Be With You
Even conservative financial instruments like life insurance need to be monitored.
DEJA VU ALL OVER AGAIN
The strong US stock market has led to a number of developments which are of concern to any seasoned market participant. And we have been here many times before.
Basic, But Not Simple
Universal basic income (UBI) is a concept attracting support ranging from political candidates to tech billionaires.
Plan By Numbers Blog
Financial Planning simply illustrated by numbers, at our companion blog written by Denis Smirnov.
Tucson Monsoon – 2022 Update
After two big outliers in a row (2021 was 3rd wettest monsoon, 2020 was 2nd driest on record), 2022 was comfortably "normal" (Exhibit 1). Exhibit 2 shows monthly rainfall in 2022 compared to Normal. We started off with a fairly good June, followed by pretty dry July (-51% compared to normal), a solid August (+42%) and a mediocre September (-39%).
Market Update 09/29/2022
In the past two weeks the market decidedly took a sharp turn for the worse. The world seems to be falling apart with out-of-control inflation, the war in Ukraine, UK enacting suspect fiscal policies, Europe in the midst of energy crisis and contentious midterm elections at home.
Where is Your Cash?
This table shows rates on select cash alternatives as of 8/29/2022. Traditional banks are still paying nothing, which is unlikely to change anytime soon. FDIC-insured cash deposits at most brokerage firms aren't particularly appealing either with 0.25% at Schwab. With a little extra work, moving your money to a High Yield Online Savings account, such as Ally or Marcus, might…
2022 Mid-Year Review
This time of the year I like to look through some of my performance spreadsheets to see how things are going in various investment areas.
Quarterly Economic And Market Reviews
Dave's quarterly reviews of markets, the economy and relevant current events. They include our thoughts on client portfolios and address timely planning issues.