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Cash Flow

Relaxing the Lizard

An image we often associate with lizards is basking in the sun. Imagining such a relaxed reptile might be a useful tool for making wiser financial choices. As discussed in a previous column, to make the best financial decisions, we need to keep our limbic system, the...

Selling At The Bottom

My job as a financial advisor is to help my clients make sound money decisions, large and small. Recently, all these decisions have taken a back seat to one question: where to invest my money. Never in my 26 years as a financial planner has that task been more...

Fooling Ourselves

Watch this video on YouTube Do you work more than 40 hours a week? Do you have enough money for retirement? Do you wash your hands after you use a public bathroom? Yes, these three questions do have something in common. They’re all related to the difference...

Weathering the “W”

Watch this video on YouTube Is now the time to prepare for the possibility of a huge market downturn later this year? It may be. A number of market prognosticators I’ve been reading think there is a good probability we will have a “W” shaped economic...

Living Within Your Means – “Geeky” Concept to the Young?

During a recent interview with a reporter, I mentioned the importance of living on what you earn. To me, this is a no-brainer. It’s the most basic of financial precepts and the foundation of financial health. Her response was both fascinating and frightening. She said...

Teaching Kids About Money

Watch this video on YouTube One of the many challenging questions for parents is how to teach kids about money. Right now, with so many news stories shouting that “the financial sky is falling,” it’s even more of a challenge. How can we teach kids to be careful about...