Marc Ruiz

Financial markets, particularly the stock market, over the short term can be like watching a novel teenage romance. So much drama, occasionally eliciting both elation and weeping in the same darned day. Trying to be an adult in the room, or an investor, can …

Investing in AI can be a highly lucrative and rewarding endeavor. With the rapid advancements in technology and the increasing demand for AI powered solutions, there are plenty of opportunities for investors to get involved in this field. Whether you’re …

It’s that time of year again. The breeze in Northwest Indiana, now warmed by the promise of spring, is no longer considered an adversary. As the grayness of winter moves into the rearview mirror, many families will start to focus on upcoming graduations. In …

I remember the first time I saw the Christmas movie classic “It’s a Wonderful Life” with Jimmy Stewart, and I was fascinated with the famous bank run scene. I was just a kid, and of course didn’t understand the scene completely, but I knew it was …

Last year on the day Russia invaded Ukraine I was speaking to a large group of clients and guests at our annual “kick-off” dinner. During the Q&A part of the event, the questions of course turned to the topic of the impending war in Europe and how it …

Every time a charge hits one of my credit cards I get a text message detailing the transaction. This helpful little service was offered to me by Chase, but now other card issuers have offered this service as well. I have to admit, my primary interest in this …

The Secure Act 2.0, which is one of the most material updates to rules governing retirement savings and accounts, is now law. The law was included in the huge omnibus spending bill passed late in the last Congress. While the Secure Act 2.0 updates rules on …

This week, as expected, the Federal Reserve bank raised short term interest rates by one quarter of one percent. As we have discussed often before, this policy change was focused on reducing price inflation in our economy. The policy change was the eighth …

When it comes to financial markets, in my opinion there are good times, there are bad times and then there are “weird” times, which of course I think are the most complicated. Statistically, in the United States, from the time period from 1926 to 2019 (93 …

A couple weeks back I received an email about my January 1st column. The reader, Dale from Westville, opined, “I really wish you would take time in your column to explain what all the free money has done to the markets. The stock buyback tricks used by …