This week's Market Perspective is the recording of our recent webinar; we discuss markets, inflation, recessions, and more. A shortened 7-minute recap version and the full-length recording are available.

Recently, we were notified that scam callers have been impersonating Schwab customer service representatives by phone and requesting non-public information, including Social Security numbers. Here is how the scam works and how to protect yourself.

We reflect on this great nation's ideals and celebrate our independence. "Life, liberty and the pursuit of happiness." America's founding fathers wrote this phrase into the Declaration of Independence in 1776.

Margin lending is a flexible line of credit that allows investors to borrow against the securities they already hold. When used responsibly, margin can serve as a source of liquidity for short-term financial needs.

The image of a sine wave with its peak and trough can be a useful way to visualize the glory and agony of participating in financial markets. Let's go through this sine wave journey together.

Cash and other more stable investments are suitable for fulfilling short-term income needs. However, it's unlikely that these will keep pace with inflation over the long term.

The goal of quantitative tightening (QT) is to help reduce inflation. At this time, inflation is at a multi-decade high, with headline inflation just over 8%. The Fed is attempting to apply QT without slowing economic activity too much.