Insights
Where the thinking behind the portfolios gets written down
A Letter to Stakeholders every month since 2020, without a gap — plus videos and articles on the questions families actually raise.
212 published · page 7 of 18
TD Becoming Schwab
Friday, May 5th, 3:02 pm EST. Spring has sprung. Despite recent bank failures, rising interest rates and incessant talk of recession, your balances are up this year and so is the country’s Gross Domestic Product (the total of our country’s production). So far…
How a Structured Note Works
Monday, April 10th, 3:22 pm EST. We are nearly four full months into 2023 and not much of our financial outlook has changed. There was an expected slow down in economic activity (spending) but that still hasn’t materialized (especially in travel). If spending…
Investing versus Trading
Read of listen here: Tuesday, March 7th, 9:42 am EST. Just as hope began to rise in the hearts of investors – and their statements – February showed up to crash the economic party. Why the constant volatility [up and down]? Blame A.I.. Artificial Intelligence…
Structured Notes and Junk Fees
Read or Listen here: Friday, February 10th, 8:58 am EST. Predictably, we enjoyed positive stock market growth last month, just when prognosticators and pundits assumed declines. During these first few days of February, we’ve started to see “the market” give…
Debt Limit
On February 1st, award-winning consumer journalist Ben Dennis interviewed me about restaurant fees facing new customers during the gradual reopening of our economy. The conversation took a broader, graver tone when he asked about the potential debt limit…
Looking Forward to 2023
Read this post or LISTEN here: Wednesday, January 11th, 1:34 pm EST. It is with great pleasure that we bid adieu to 2022. You not only endured the worst stock market decline since 2008, you also persevered through the worst US bond decline. Ever. What a year.…
Do I need a financial planner?
Q: Like most people, while I was in college, I was broke. But I got a great job in my 20s and have been saving pretty well for the past 15 years or so. Now that I have a young-ish family, work is getting busier and the market has been getting crazier. I've…
We really compete in 2023
Read or listen to our letter here: Wednesday, December 7th, 1:04 pm EST. For the second month in a row, you will see a slight improvement in your account balance. These “unrealized gains” are a welcome change from the “unrealized losses” of 2022. The…
Just Ask Jason
Q: I am financially successful. I run my business - now part-time - because I enjoy it and I support my adult daughter financially because I can. What I can't figure out how to do is communicate with her on a family level. I want her to understand more of…
[Inflation, Profiteering and Partisanship] | [JasonHowell.com]
Read of just LISTEN to our letter here: Monday, November 7th, 2:06 pm EST. We acted just like we promised. By now even your hairstylist knows that the reason the stock market and bond markets have been down this year is due to increased interest rates. In…
Private Investments vs Public
Read or Listen: Tuesday, October 11th, 3:56 pm EST. This is what they want. A stock market that’s cold, a housing market that’s cooling and (eventually) an economy that’s near frozen. And it’s not happening fast enough for them. For a long time, we have…
God Save the Queen
Read of Listen below: Friday, September 9th, 1:36 pm EST. Back and forth go the public stock and bond markets. This week’s valuations are higher but overall the market has been stuck in range since Summer began. If you’re following, June’s low was fully…
69 letters · 36 videos · 107 articles