According to a recent study by the Federal Reserve, approximately 40% of Americans do not have $400 set aside for a financial emergency. This is one reason why so many people are facing significant financial peril from the recent lockdown. One of the cornerstones of being financially stable is having …
My family and I live in Wimberley, Texas, which you may remember was struck by a flood on Saturday, May 23, 2015. Unprecedented is a term often used to describe the flooding. Still, that adjective does not capture the magnitude of what happened that evening along the Blanco River. Twenty-three …
Charles Dickens wrote in his book The Tale of Two Cities, “It was the best of times, it was the worst of times, it was the age of wisdom, it was the age of foolishness.” That phrase comes to mind as I read the news. Today, the average person enjoys …
The new year means that one-fifth of this century is already history! For me (and I suspect some of you as well), it seems like just yesterday that we were ringing in the new century and waiting for the lights to go out because of Y2K. Now we are on …
There are influential professionals, advisors, and mentors that assist us in many aspects of our lives. I’ve personally found it helpful to find people who have strong values and are committed to helping others. Knowing good questions to ask people you are considering whom to entrust and hire as an …
In this age of acronyms, one of the best I’ve heard is QTL. Quality Time Left. A friend of mine who was recently celebrating the 29th anniversary of his 31st birthday (my backhanded way of saying he turned 60) introduced me to the concept of QTL. During this summer season, …
As parents, we have a responsibility to teach our children how to save, spend, and invest wisely. Trying to explain these principles, in theory, can be difficult for a parent to communicate as well as for a child to understand. However, a Kid’s Roth IRA can give a parent an …
