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We can see change everywhere around us.  Friend and family ties change, our homes and buildings need constant repair and upkeep, even the towns that we live in change due to population growth.  As I look around at all this change, it is always the older items that catch my…

  • We’ve all seen dozens of websites with messages like these. The appeal is understandable; they make it sound so simple. Answer a few questions and be handed a single number that promises success. All you have to do is save that many dollars and you’re golden, right? Very black and white, no ambiguity, no “it depends”. Save $X and win! Easy.  No wonder these websites are so popular. They aren’t cluttered up with the realities of life. No contingency plans in case something goes awry. No guessing about your future health, or future tax implications, or intermediary speed bumps in…

  •   Today's society is all about instant gratification.  We are bombarded left and right with ads on TV, billboards, the internet, social media, etc.  Pulling our attention every which way.  "You need this." "You deserve this." "Reward yourself with that." I was almost tempted myself recently, as Amazon Prime Day almost got me.  They advertised it so well, everywhere I looked leading up to it.  In's their version of "Black Friday," all on their own day.  Thankfully, I didn't' resist, save for getting a good deal on some shoes for my fast-growing toddler.   It’s really difficult to stayed grounded…

  • Do we want to be thoroughly educated on options for our decision-making? Or do we want to prove that what we already think is correct? In our day-to-day lives, there is a big difference between doing unbiased, objective research for the sake of exploring multiple options in order to learn, vs. going “out there” to find ways to simply prove our preconceived points of view. One exhibits our desire for education, perspective and possibilities. The other exhibits our ego, fear of being wrong, and our “being stuck” in one way of thinking. The latter is what happens when we get…

  • The last thing you want to do is lose money, but that is exactly what many investors do when they underperform their investments. When it comes to our finances, we are often our own worst enemy. We overreact, make emotional decisions, and get caught up in sensationalized headlines. We lose sleep over market fluctuations and check our account balances daily, becoming worried that we won’t have enough to retire, send our kids to college, or take that dream vacation.Market volatility is frightening, but the real problem with volatility is that it drives us to make poor decisions. Want proof? The numbers…



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