Five things you need to know today, and Cambridge's low tax rates

Good morning and happy Monday! While Tom Brady waffles on his retirement announcement, Rafael Nadal gave the world a lesson in admirable sportsmanship while accepting the Australian Open trophy on Sunday. Here are the five things you need to know to start your busy workday, plus a look at why Cambridge is able to maintain such a low property tax rate. Stock market on track for terrible, no good, very bad month The S&P 500 fell 7% in January as of Friday, the worst drop since March 2020, while the…