I have just returned from teaching the “Money & Responsibility” program we run at Clare College, which is part of Cambridge University. We had one of the largest classes of students since the program started in 2009.  Students came from…

On Monday, August 5th, the U.S. stock market gapped down at the open, dropping as much as 4.25% intraday before recovering to close down by 3%. This marked the sharpest single-day decline in nearly two years. The market recovered over…

In the wake of the 2008 Global Financial Crisis (GFC), the financial services industry underwent a comprehensive review, leading to significant regulatory reforms. Among these, the emphasis on fiduciary duty for Registered Investment Advisors (RIAs) emerged as a critical differentiator…

Short term drama tends to distract attention from long term thinking. There is no current shortage of short-term drama when it comes to American daily life. So, we should ask: what long-term issues are being downplayed, or outright ignored, as…

Last week a significant IT outage rippled through global systems, which ironically was triggered by a defect within a software update made by the global cloud cybersecurity firm CrowdStrike. The update caused approximately 8.5 million Microsoft 365 cloud devices around…