“Is Transcendental Meditation (TM) a religion”? I have been asked this question many times. Well, certain people may perceive the TM program as religious rather than scientific due to its association with terms like “meditation,” “pure awareness,” and “transcendence,” or because it was introduced from India by a teacher with a monastic background. However, philosophers…

I’m not the most active person on LinkedIn, more of a quiet observer who scrolls now and then. I do make new connections occasionally (selectively, of course). At the risk of upsetting some people, LinkedIn can sometimes feel like a stage where many are more interested in “showing off” than sharing real insights or adding…

A number of signals in my models are starting to turn, not dramatic, but enough to tell me markets are getting more challenging in the short term. On the surface, things still look fine. Wall Street pushed to new all-time highs in April, helped along by small caps and a solid Q1 earnings season. Yes,…

For most of 2025, the dollar looked expensive and tired. The American exceptionalism story had run its course, and the greenback was drifting lower against most major currencies, not collapsing just fading. So the real question is not complicated at all: is this another crisis-driven bounce that fades with the headlines, or does it have…

I periodically recycle old posts on my blog to ensure that new clients can benefit from valuable content they may have missed and this post is one such example. When someone asks me if getting the CFA charter is worth it, my answer is always, “Well, it depends, what do you want out of it?”…