“I think I’m just going to wait until after the election.” I am hearing this response nearly every week from someone else afraid to make a decision with a financial impact. In my career I have lived through the elections of Ronald Reagan, George H.W. Bush, Bill Clinton, George W. Bush, Barack Obama and Donald […]
Waiting on the Election Read More »
“One one-thousandth of a dollar.” I said. “That’s not much is it?” I handed his phone back to him. He’d handed it to me to show me how low the expense ratio of his indexed mutual fund was. He pressed his lips together, holding back a smile. “I guess it’s my engineering training coming out,”
Pay Attention to Your Costs … All of Them Read More »
“Should I refinance my house and get a 30-year mortgage? Is that crazy?” She was nearly 65 and had a six-figure mortgage attached to her house. She was single and had a good income as a nurse. But as she looked ahead, she could see trouble coming. “I make nearly $5,000 per month now, and
Retire Debt in Retirement Read More »
“When you’re going through hell, keep going.” Winston Churchill’s advice still applies. If you find yourself having “blown it” once again financially, now is definitely not the time to stop. Now is the time to get back up, dust yourself off and redouble your efforts. Chrystal and Tony are typical of people I’ve talked to
Perseverance Beats Perfection When Rehabbing Habits Read More »
“The signs are everywhere…” It was an ominous headline to an email that caught the attention of a client. “Is this something I should be concerned about?” Concern, worry and a buying decision to subscribe to an expensive newsletter was exactly what the email’s author was hoping to elicit. The email’s author had “seen several
Doomsday Always Sells Read More »
“It is more blessed to give than to receive.” Someone important said that long ago, but I think every generation has the opportunity to discover that truth in new and fresh ways. But let’s start with the obvious…the math of giving doesn’t seem to work – at first anyway. If I’ve got $100 and I
Out of many, one. That’s what the “E Pluribus Unum” phrase stamped on those coins in your pocket means. It is the aspiration of a hopeful nation, that out of a disparate population from all over the world, a union might be formed and maintained. For many, our “union” seems tenuous and anything but unified.
A Union Under Tension Read More »
“Where can I find a job in an economy like this?” He was young and thought of himself as more ambitious than most. He wasn’t going to be happy climbing up some corporate ladder. “Where’s the best place for a go-getter like me to get the best opportunity?” I tried to break it to him
Where is Opportunity? Read More »
“Didn’t see that coming!” A worldwide disease pandemic. An explosion of race related unrest across our nation. Oil prices going negative. A global financial crisis. A real estate bubble. The Dotcom bubble. Pundits will blame someone for not seeing “it” coming. Consultants will charge a fee for helping you see it coming next time. And
Black Swans: The Enemy of All Perfect Plans Read More »
What causes the average Joe stress at work? Work, right? Or maybe something about work – a bad boss, poor working conditions, toxic co-workers or maybe just Facebook being blocked on their work computer (“dang IT guys!”). Each year international accounting firm PricewaterhouseCoopers (PwC) sponsors an Employee Financial Wellness Survey. Their 2020 survey asked employees,
Workers Worry About Money Today, Not Retirement Tomorrow Read More »
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