Over the past few weeks, the summer heat has overtaken us here in Cincinnati, not unlike other parts of the country.

There’s a lot of debate over when the Federal Reserve will cut interest rates and if we will have a recession at all.

One rule I learned early on in investing that has served me well is “markets will do whatever they can to fool as many of the people as much of the time as possible.”

As you may know, I enjoy using farming and gardening analogies when I discuss financial topics because of growing up in farm country.

Some of you know that I am an avid gardener and occasionally I like to introduce new plants to my garden.

Through a home-school co-op, I teach an economics class to juniors and seniors.

In 1981, my grandmother set aside money into Certificates of Deposit for me to pay for college after I graduated high school.

I think back to when I was a young boy, possibly 9 or 10, and like most boys at that age, I wanted a new bicycle.

As the summer heat settles in, I am reminded of taking my daughters to swim classes.

Some of you have been clients long enough to remember the birth of my first daughter 25 years ago.