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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


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.


Want to Smile? Work up a Sweat!

Lately, I’ve lost some of the bounce in my step and have found myself not smiling as much as I would like. Despite trying many of my mood uplifting tricks, I couldn’t shake my doldrums. I tried walking at night, breaking my diet and eating


Bonds Struggling in 2015

Interest rates have crept up a little bit. I snapped this picture last week at a local bank. You wouldn’t know it by this CD rate. Bond prices move inversely to interest rates.  The past few months haven’t been too good for bonds.  The 10-year

Man praying for the phone to ring


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

Howard Rosley

Stories About Dad

Father’s Day is coming soon and I always have mixed feelings about it. When do men with kids stop thinking of Father’s Day as a day to think about their own dad rather than being a dad?  I’m sure everybody’s different, but I still haven’t

relaxed woman

Checklist for Top 1%ers

It’s in my nature to be a guy that makes lists to help stay organized and get things done.  We are finally getting sunshine in Chicagoland and have had temperatures above seventy degrees for two consecutive days.  While that is long overdue, it’s time for