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Thursday, July 6, 2017

One thing the human animal is notoriously bad at is learning from our own history. I think this is because we are emotional creatures, not logical ones. If we were truly logical beings, then we could analyze a data set and then only...

 

Monday, June 19, 2017

Funny title for a financial blog huh? As always, there is a backstory to it. My 7-year-old boy recently started training Jiu-Jitsu. For anyone unfamiliar with this practice, it involves a lot of grappling, take-downs and submission...

 

Wednesday, April 26, 2017

Everyone falls in love with an idea. The idea of being fit. The idea of having a loving and joy filled marriage. The idea of raising responsible and capitalistic children. The idea of having an abundant financial life. But only 10% of...

 

Tuesday, March 21, 2017

We hear about “1 percenters” in the context of those who make a 1% tier income. I want to talk to you about a different group of 1% people. I’ve never watched The Matrix all the way through (fun fact: I played Keanu...

 

Tuesday, December 13, 2016

Ask a group of people to raise their hand if they think they are a below average driver. Hardly anyone raises their hand when asked that question because most people think everyone ELSE has the problem. But by definition, half of the...

 

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Monday, December 5, 2016

I first heard that phrase in 1992. My high school baseball coach used it as a response to some question. I had no idea what he was talking about but it sounded pretty cool so I began using it too. I probably used it in some very...

 

Tuesday, November 8, 2016

I have written before about what I refer to as Lifestyle Addiction™. Simply put this is an addiction to a Lifestyle to the point that, just like any addiction, if you were forced to no longer have that lifestyle, you would...

 

Thursday, September 22, 2016

Have you asked this question? Be honest. It’s ok. You probably have. I think most people have asked this question and it only makes sense because you’ve been conditioned to ask it. First, no one knows what the market is...

 

Wednesday, September 7, 2016

Investment allocations? Savings rates? Protection? Real Estate? Taxes? Debt? What is it??? What is the most important thing for your financial health? If you listen to the guy screaming at you on the radio you’d think it was the...

 

Wednesday, September 7, 2016

Since the beginning of man we have demonstrated our wealth and influence in a physical way. In medieval times people displayed their wealth by building elaborate castles. I don’t know how long it took folks back then to realize...

 

Wednesday, August 10, 2016

There is no end zone. There is no goal line. There is only today.

 

Wednesday, August 10, 2016

One of the worst financial tasks people have to conquer is creating a budget. And the financial industry has done everything in its power to screw it up even further for you! Software, talk show hosts, “envelope systems”,...

 

Thursday, July 14, 2016

Today my topic comes from a question I get from almost everyone I deal with. The question is “why doesn’t everyone do this”? The statement is “No one else does this”.

 

Monday, June 13, 2016

If your mission is to make sure your investments fail then make sure you do these 3 things today!!! Part 3...

 

Monday, June 13, 2016

If your mission is to make sure your investments fail then make sure you do these 3 things today!!! Part 2...

 

Monday, June 13, 2016

If your mission is to make sure your investments fail then make sure you do these 3 things today!!! Part 1...

 

Thursday, May 26, 2016

I read a blog post the other day about buying wine. It was geared towards a reader who knows nothing about wine…I qualify as the perfect reader for this blog. Here is what I know about wine: Red White Drunk I’m not much of...

 

Sunday, May 22, 2016

In my industry, we are taught to shy away from words like “best” as that term is subjective and may be impossible to prove. So, the attorneys in my company try and protect me from trouble by training me to never use terms...

 

Thursday, May 19, 2016

Everyone knows that men and women are different. We think and emote in very different ways. If you are married you KNOW this. I can make a totally innocent remark to Jayme (at least as far I know!) and before I can blink, I’m...

 

Monday, May 16, 2016

For the last 18 years I have built a business from the ground up. While I have had a few mentors who meant the world to me, no one handed me anything. I started off with 0 clients and no income at all. I was 100% on my own. The career...

 

Monday, April 4, 2016

“Philanthropy” is defined as the act of making gifts of personal resources to charities. These resources can include donations of one’s time, energy, money and property. Millions of Americans perform simple acts of philanthropy, such...

 

Wednesday, March 30, 2016

With almost two decades in the financial services world I have vast experience in observing the human animal. I have counseled hundreds of families on what it takes to build a balance sheet but I also have coached literally thousands...

 

Sunday, March 27, 2016

When it comes to making plans for the future, you may have already given thought to how you would like to distribute your assets after something happens to you. Perhaps you’ve even written a will. But many legal and tax advisers...

 

Thursday, March 24, 2016

I’m a University of Maryland alumnus. I spend all of March explaining to my wife and children what a Terrapin is (a vicious, warrior-turtle in case you didn’t know). March is the month where the college basketball universe goes mad as...

 

Monday, March 14, 2016

If you are like me, your whole life people have told you what to do. First, it was your parents then maybe it was a teacher. Eventually you began to listen to your friends and then your boss at work (ugh). Some of us are even told what...

 

Saturday, February 27, 2016

I used to hate change. When I was a kid, I was the last one to take off my “Jams” shorts and my “Air Jordan” Hightop shoes. I walked around in those bad boys for waaay too long. I had the same hair style for my...

 

Wednesday, February 17, 2016

In 1983, I was in the third grade. That’s when I first realized that money was important. I can remember vividly that the concept of a million dollars meant you were really rich. $1,000,000 was such a magical number and it still...

 

Wednesday, February 10, 2016

Principles matter. Principles, rather than feelings, allow you to know what to do when life gets confusing. In the midst of chaos, you need to be able to fall back on your already, well thought out principles.

 

Wednesday, February 3, 2016

I started in the financial advising business in 1998. Windows ’95 was still a baby and the internet had not yet made it’s mark (most people still called it “the information super highway”…not “the...

 

Wednesday, January 20, 2016

For almost two decades now I have been told story after story from clients who believe that an advisor is capable of knowing the future. Why would they think this?

 

Tuesday, January 5, 2016

I can sum up almost 20 years of experience in the world of personal finance in four words. The question I am most asked is, “what’s one piece of advice you have for someone just starting out”?

 

Wednesday, September 9, 2015

It’s an ongoing challenge for American households to delay gratification and save for the future. And it’s even harder when it seems like macro-economic conditions are stacked against them. Right now, saving might be good for you, but...

 

Wednesday, September 9, 2015

If you are a parent of a child anticipating college, the financial logistics of obtaining a college education can be summarized in two questions: How will we pay for it? And will it be worth the cost?Recent data hints at some nuanced...