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The Next Fed Chair is…

Last month President Trump nominated Jerome Powell to become the next Federal Reserve chair, replacing current chair Janet Yellen in January. So who is Jerome ...
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Happy Thanksgiving!

Happy Thanksgiving! Sending our warmest wishes from our three+one office to your home and family for a very Happy Thanksgiving! We’re grateful and thankful in ...
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Is it Time to Act?

Last week Joe Rulison discussed the need to request a higher earnings credit rate (ECR) from your banks. As noted, the Fed Funds Target Rate ...
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You Will Need To Ask…

Last year I blogged about the changing dynamics around the value of public deposits and the need to pursue higher rates. This topic once again ...
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Is It Real Money?

It was just last year that I blogged about the use of Apple Pay, a form of “near-field communication,” as an upcoming alternative to credit ...
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Liquidity Analysis Holds the Key

$20,000 to over $430,000 $50,000 to over $800,000 $7,000 to over $57,000 $45,000 to over $540,000 it goes on and on…. The proof is in ...
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University of Redlands Leads the Way

University of Redlands is Leading the Way with an interest earnings jump from under $20,000 to over $400,000. Last week the University of Redlands shared ...
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Are You a Part of the 96.4%?

For over ten years, the interest earnings line item on budgets has been close to nil. Now, with an effective federal funds rate of 1.15%, ...
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A Taxing Deduction

Last May three+one was out in front of the potential upcoming tax reform. We identified a trend around the removing of state and local income ...
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What’s Next? Part II

Can an entity be financially prepared for the unexpected disruption of its operations due to a natural disaster or another unfortunate occurrence? The answer is ...
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My Capital Visit, Pt. I

Last week, I had the opportunity to attend several briefings by the Pentagon, White House and Treasury Department officials, along with several Congressional leaders in ...
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Our Thanks to Those Who Serve the Public

To those who serve the public during these challenging and un-chartered times… We “Thank You!” – three+one
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