It’s the time of year in which charities are sending out their end-of-the-year solicitations. You sort through the stacks that land in both of your inboxes: the good old-fashioned mailbox and your email. Now that you have sorted these requests, it’s time for the hard part: where to give?

Supporting…

Covid shut down a lot of businesses, at least temporarily. Many are now re-opened, and many large businesses are nearly back to normal operations. Nonetheless, the recovery in employment has lagged. October jobs numbers reflected further growth, but compared to February 2020 the economy still has 1.7 million fewer jobs…

With over 400 IPOs in the United States this year, new companies are coming to market with fresh ideas ranging from cloud-based storage companies like Snowflake to next-generation automobiles like Lucid Motors. Working at these companies can be financially rewarding for employees, but the wait for that moment can be…

Stock market prices are perpetually incorporating new information. Once per quarter, the speculative price changes are reconciled against companies’ actual earnings. Analysts and investors dissect a regimented accounting of each company’s revenue, expenses, and profits from the prior quarter, and market prices adjust. …

Earlier in my career, I was a bank teller in England and every Friday afternoon I remember lines out the door as customers came in to cash their paycheck or withdraw spending money for the weekend. The bank was a hub within the community, as well as a logistical necessity…

photo by Elena Perova

Sentiment often drives stock markets just as much as the fundamentals of revenue, growth rates, and profitability. Witness the stock market rise by nearly 2% yesterday after banks reported increased earnings and new jobless claims came in lower than expected. …

Wildfires have always been part of the California landscape. From a broad ecological perspective, wildfires can be nourishing and restorative, clearing away overgrowth and debris and making way for new life. For people and property, wildfires more often create a wake of destruction. With climate change worsening, decision-making needs to…

Market Commentary | Q3 2021

September marked the first monthly decline for stocks since January as investors focused on concerns about political uncertainty and the possibility of long-haul economic symptoms from the pandemic. The S&P 500 dropped more than 5% from its all-time high set on Sept 2. Prior to that, the index went 227…

In the developed world, we have long taken for granted the ability to order what we need and then watch the goods arrive, without any thought of the people, factories, container ships, trains, and trucks involved in the delivery. Or going to our local grocery store and expecting to see…

North Berkeley Wealth Management

A values-driven wealth management firm helping clients create a sense of calm in their financial lives through responsible investment and thoughtful planning.

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