There’s Only One Thing Certain About Market Uncertainty

You sit down to breakfast, open the web page or your newspaper and the headline hits you right smack between the eyes: "Market Falls on _________ Uncertainty." You can fill in the blank: Global Concerns Federal Reserve Meeting Employment Report Congressional Gridlock The possibilities are endless, but there is a headline all stocked and ready… Continue reading>

From 2D to 3D: Adding The Human Dimension to Financial Planning

A typical financial plan is two-dimensional: assets minus debt = net worth. Income less expenses = surplus or deficit. All projected out into the future to discover whether a plan can work (or not). But no matter how complex and conservative the modeling, it’s all guesswork until you factor in the missing link that leads… Continue reading>

Retirement Reality Bites: It’s Time To Bite Back

According to a Bankrate.com poll (click here)  36% of Americans of all ages have not begun saving for retirement—including a rather shocking 25%+ of the 50-64 year-olds surveyed. Of course there are many uncontrollable reasons why people are financially unprepared—losing their job to the recession, an obsolete skill set, disability or runaway medical expenses. But… Continue reading>

Exercising Your Way To Financial Fitness

Summer's here and everywhere you look there’s another ad to get your body beach-ready. Washboard abs and perfectly-toned limbs, here we come. But how's your financial fitness? If it’s a little saggy in the middle, maybe your financial physique could use a little attention too. A few essential ingredients—and tending to healthy money life habits—will… Continue reading>

Somewhere Between Civilized and Stupid

Finding balance is the mantra on many people’s lips these days. Balance—that rare blissful state where everything just fits—work, family, money, health, learning, community and leisure all melding in lovely balance. All flows together seamlessly. It is a joyful state of one-ness and satisfying happiness. Typically, something happens to bounce you out of your happy place and… Continue reading>

Your Moment Of Financial Truth

Some damned smart minds have cracked the human genome. New science and technology discoveries are made daily. So with all our native intelligence it should be easy to make wise and appropriate money decisions, right? Not necessarily. Even the brilliant—the scientists, engineers, doctors, software designers with great levels of expertise and knowledge in their field—don’t… Continue reading>

Deciphering Your Money Mindset

You arrive at adulthood—somehow—after spending years in and out of school, learning from books, teachers, friends, the media and our parents. As a child, you absorbed lessons through experiences, often at the periphery of what you witnessed or overheard. The problem is, none of us could decipher whether those lessons would be helpful, supportive or… Continue reading>