Is Your Cell Phone Your Best Friend or Enemy?

It's not just kids who are always on their cell phones or iPad. Your cell phone could easily be both your best friend and enemy and you not be aware of it.   I found out the hard way. I tend to have a thirst for current news;…
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Leading By Example

My wife, Soni, and I pulled the trigger and bought a second home in Naples this past December. Just last week I was invited to play golf with a client that flew down from O'Hare and his threesome in Naples.  We had a great time.  He wondered…
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Ship Captain's Value in Rough Seas

  Lake Michigan can be easy sailing or super intimidating and downright scary depending on what side of the breakers your boat sits. Last weekend, one of our neighbors kindly took my wife Soni, and daughter, Olivia sailing on their…

Your Portfolio - Media Frenzy - Election Week Uncertainty

The media is in overdrive trying to draw your eyeballs to them and scare the heck out of you. While not out of the woods yet, the United States is in the midst of a massive comeback. The U.S. stock market had a bad day Wednesday and gave…

God Bless America!

I've never been more proud and happy to be an American citizen! While I abhor the cultural division, it's a part of who we are. i have been in an extremely sad and angry mood the past several weeks, My solution was turning off all television…
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You May Be Living in Poverty and Not Know It

Are you living in spiritual poverty? Poverty means "living without". It's usually used in the context of "without financial means for basic necessities". During the current shutdown I bet most of us realized that other than food, we already…
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How You Can Succeed Like a Pro in 2020

I thought you may be interested to know how an experienced (25-years) financial planning professional goes about planning for financial success in the New Year. MY GOAL - Live a balanced lifestyle, enjoying life today while saving for an uncertain…
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Winners From the 2010's

The most popular articles from my blog from the 2010's: THESE ARE THE BEST OUT OF OVER 200 ARTICLES! HUGE Trend here: readers prefer real life stories, commentary and advice rather then financial definitions or terminology.  The relatable…
Financial Plan
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5 Simple Questions to Take Your Financial Pulse

Certified Financial Planner provides tips for a quick financial check up.
elderly care
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Are You Failing Your Parents When They Need You Most?

  Are you failing your parents when they need you most? I know you're busy with your life; your work, home, kids, etc., but if you haven't circled back with your senior citizen aged parents about their life plans, it's time…
retirement and college planning
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Can You Afford College & Retirement?

The real cost of college for many parents is they won't have nearly enough money to be financially independent when they would like to be. They may have had plenty if they didn't give hundreds of thousands of dollars to their kid's college(s). AS…
Retirement Plan
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What it Will Take for You to be Financially Independent?

It all comes down to spending. Your ability to be financially independent is primarily based on your overhead. On one end of the spectrum, you could live in a trailer park, paying cash for your trailer and live on groceries and minimum utility…