Heading reluctantly (at least me) into autumn let’s reflect on this past summer’s more noteworthy happenings. Earlier this year one family I advise went to the bank and turned down the tempting offer of a lower monthly payment when they consolidated their debt. They...
In no particular order of importance consider the following: One consequence of the financial crisis in the US is the inability of municipalities and states to stay in the black. Some of them have coped with their lack of cash flow by cutting pensions benefits to...
Not long ago a bank teller and I got into a conversation about hair. She asked me: What can I do to have nice hair? Mine is falling out and it’s thin. I told her make sure to eat enough protein and vitamins, giving her examples of some foods she could eat. Then she...
Hello 2012! Shortly before Christmas I had a conversation with a client who was in a dilemma. You know what a dilemma is. It’s when you have two choices and both of them are rotten. Yet the conversation, which lasted about half an hour ended with her deciding on a...
In my financial planning practice I find that if a client asks a question or makes a comment it is probable that someone else had that same thought but did not take the opportunity to ask me. The ensuing discussion or explanation sometimes should be shared with a... 
