The headline read “95 Percent of Financial Advisers Deserve to Lose Their Jobs”[i] but the author then apologizes and says his headline is way off, “The correct number should read 99 percent of advisers deserve to lose their jobs!!”[ii] Recently we took my wife’s Rolex to the jeweler to have the crystal replaced after it …

Continue reading “Good Idea Gone Wrong”

As of January, 2017, less than 6 in 10 Americans have enough money saved to cover an unexpected expense of over $500![i]  And nearly 1 in 2 adults reported that they, or a family member, had faced a major expense such as this in the last 12 months.[ii]   These facts do not bode well for …

Continue reading “Back To Your Future”

It’s hard to remember when there wasn’t 401(k) plans around to defer taxes on the money you were investing for your retirement.  And most of you reading this blog most likely won’t remember that 401(k) plans were originally called “salary-reduction plans.”[i]   Obviously, this name wasn’t something anybody wanted to participate in so the name had …

Continue reading “It’s Your Money; You Should Know!”

Remember George Strait’s song, “Ocean Front Property” and how from his front porch in Arizona, you can see the sea?  Released in 1987 it became the song of the year and is still a favorite country single.  The great appeal of this song is that everyone can relate.  Everyone has been “sold” or at least …

Continue reading ““From My Front Porch You Can See the Sea””

Commitment is a rare quality because when commitment is compromised it destroys the wealth that can only be attained because of its cultivation.  A good parody of the value of commitment was best described by the late Rodney Dangerfield when he joked that, “It’s tough to stay married.  My wife kisses the dog on the …

Continue reading “Kissing the Dog on the Lips”

There is nothing like seeing the Amazon Forest, a Broadway performance, an Inauguration, the Super Bowl or any other event live and in person.  The awe, the excitement, the emotion, the wonder, and the venue are never quite the same when you catch such things any other way. Every year people from all over the …

Continue reading “The Next Best Thing”

Nothing is more heart breaking than to hear of someone passing who leaves unpaid bills and loved ones poorly provided for.  And literally, here in the United States, it happens every day; 6,912 people die every day leaving bills unpaid and loved ones inadequately provided for.[i] But it doesn’t have to be that way. Today …

Continue reading “Heart Breaking News”

It is reported that when Hillary Clinton diverted from her scripted speech and spoke from her heart saying, “…you could put half of Trumps supporters into what I call the basket of deplorables,” that one of her closest advisors texted a friend, “With that statement, Hillary just lost the race.”  And today we know that …

Continue reading “The “Grouping Effect””

“There is a time for everything, and a season for every activity under the heavens: A time to be born and a time to die, A time to plant and a time to uproot, A time to kill and a time to heal, A time to tear down and a time to build up, A …

Continue reading “A Time To Decide”

We live in an abundant world where we have the potential to accumulate many things, many of which become detrimental rather than beneficial to our well being. This plain fact, again, was pressed upon my mind this past weekend.  We were visiting some near relatives who are consummate hoarders.  From the exquisitely expensive to the …

Continue reading “The Clutter of Life”