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Category Archives: Balanced Living

Two hands preserve a green tree against a thunder-storm

Déjà Vu All Over Again

Déjà Vu all over again was the response I received from one long-time client in response to what is going on lately with the stock markets around the world. Seemingly no worries at all. He’s seen it all before and hopefully is very comfortable with

Spoiled Kids

When to Say “No”

Where do you draw the line? Our kids have their hands out wanting us to buy things for them starting at a very early age.  In grade school, I think candy and ice cream were the most popular requests.  Now that my three kids are

soni and brad

Our Story

My wife Soni and I celebrated 20 years of marriage recently and I thought I would share what some of the key financial decisions we made along the way and the impact they had on our family. The themes are consistent: Figure out what is

serenity

Trade Expectations for Acceptance

Parents constantly judge their kids decisions and choices.  In their eyes, their kids make head scratching or down right frustrating decisions every day.  As a parent, I sometimes allow my kids to drive me nuts when they don’t do what I want them to do.

Man praying for the phone to ring

Declined

One phone call with a woman on the other end saying I was “declined” for coverage really had my head spinning.  A little over a month ago I applied for more life insurance, (the kind with the rider that allows you to get an advance

It’s Never Too Early

The Time Value of Money is the oldest, wisest concept ever created for investors. Wait until you see what you could create by saving less than $7 a day toward college for an unborn baby! The real power of this concept comes from rate of

Sweat The Small Stuff

What Matters Most

“I don’t really care” is my first response to many questions these days.  Like the book, “Don’t Sweat the Small Stuff”, right now, due to a medical issue in my family, almost everything seems like “small or unimportant stuff”. Why does it take a situation

bread-winner

Money and Marriage

“Marry a woman more frugal then you,” is great advice from one of my favorite books, The Millionaire Next Door. As some guys will tell you, it’s a lot easier said then done.  For those guys that have married a frugal woman, money is usually

florida picture

Mini Van Beats Jet for Family Time

Last week our family embarked on yet another Spring Break vacation.  We packed our luggage (mainly beach wear) and five bodies into our 2004 Toyota Sienna (154,000 miles and counting) for a long drive. This year’s last minute idea was to go to Naples and