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Category Archives: Balanced Living

Are You Too Embarrassed to Ask?

Is it possible you are too embarrassed to ask about financial matters you think you should know? After talking with a very bright and successful neighbor earlier this week about how bonds work and their inherent risk, I was reminded that most bright people don’t

Cash is King

I often borrow a phrase  “Big Hat No Cattle” from a book called The Millionaire Next Door and it’s That means you live an affluent lifestyle, but have very little money saved compared to what you’ve earned. I would like to suggest it starts with

529 College Savings Plans for the Unborn

Want to help your yet-to-be-born grandkids pay for college? You can’t start too soon. If “compounding returns” are the Eighth Wonder of the World, then the more time to compound the better! Why not set up and start funding 529 college savings accounts for your

The Big Lie

The Big Lie is that creating a higher standard of living leads to a higher quality of life. Having more money or nicer things allows you to pay for nicer things and borrow more money, but doesn’t mean you will have a better quality of

5 Bigger Risks Than The Stock Market

Sure you might lose money on any given day on a stock or stock mutual fund. What other risks are out there? Many people are taking much bigger risks than that and may not know it. Retirees earning too little or spending too much. Unfortunately

Make 2016 the Year of Good Habits

Habits are the center of our daily existence.  90% of what we do everyday is habit based. How you start your day, your visit to your computer, IPad or cell phone, exercise or not, what or where you like to eat, how you relate to

Remember When?

How do you create a “Remember When” experience? With Thanksgiving right around the corner it reminds me how significant great memories are to our lives.  How do you know if or when you’ve created one of those “remember when…..” moments? The formula can be totally

No Favors for Seniors

A quadruple slam against senior citizens today.  I am not sure if things have ever been more stacked against seniors trying to get by on a fixed income than they are today. 1. Historically low interest rate returns – gone are the days when a

20 Things The Rich Do Every Day

 I have often spoke with clients about living their life in a proactive way rather than reactive. It turns out that wealthy people tend to create positive, pro-active habits that lead to their success. I do believe your character is a function of your habits

Create Your Own Private Retirement Pension

I imagine that most people reading this will end up never spending the principal of their retirement nest egg for fear of running out of money.  At some age, well into those retirement years, you will realize you are too darn old (you have everything