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It’s good to give

It’s good to give

One question that comes to mind when thinking about giving is how much?  How does one determine the correct amount of a gift?  It’s a personal decision, there are no right or wrong answers.  Giving is a popular topic around the holidays, here’s some considerations...

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Who We Serve (part 2)

Who We Serve (part 2)

Last August I wrote about who we serve and the similar traits our clients share.  Each household is unique and has their own goals.  What’s driving the trend in similarities? In our business and all businesses, it’s important to know who your clients are.  What do...

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Coach K advice

Coach K advice

Coach Krzyzewski spent 42 years as head coach at Duke University men’s basketball team.  Upon retiring earlier this year, he had some decisions to make.  Where does he go, what does he do?  After spending four decades at a single employer and collecting 13 final four...

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Tricks or Treats

Tricks or Treats

This year there seems to be more tricks then treats when it comes to investing.  Tricks are sneaky and can cause a disciplined investor to abandon their plan and portfolio at the worst time. Treats on the other hand are more satisfying yet arrive slowly.  They require...

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Financial Success 

Financial Success 

Can you have financial success in a down market?  I believe so.  It’s easy to be pessimistic when markets are down, this can look smarter than being optimistic about future.  I’m a realist and believe ongoing planning and strategy makes optimism possible.  Here’s my...

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STS Race Report

STS Race Report

The trees were full of color as the grey cliffs surrounded me on a 10-mile swim through the Tennessee River gorge.  After completing a 6-mile swim earlier this summer, I wanted to test myself and see if I could go further.  My curiosity persisted and there was only...

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You’ve got mail! 

You’ve got mail! 

Sunday October 9th marks World Post Day, recognizing postal services around the globe.  Most of our communications today have moved electronically to phones and computers.  Where would we be without text messaging and email?  Yet, receiving a birthday card is still...

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Save, Invest, Spend

Save, Invest, Spend

These three words are very powerful when you right size them to fit your financial decisions today.  Saving to cash reserves for opportunities and planning margins.  Investing for future wealth.  Spending the rest with confidence. In a declining market, this approach...

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Patagonia

Patagonia

Earlier this year I read “Let my people go surfing, the education of a reluctant businessman” by the founder, and now prior owner of Patagonia clothing company.  I truly enjoyed this book which was originally published in 2005.  Recently, Yvon Chouinard, transferred...

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Three thoughts…

Three thoughts…

Company values contracting, expanding, and contracting again can test the patience of the best investors.  This up/down movement in prices is unsettling, especially if you allow account values to define your progress as an investor.  If you haven’t created or updated...

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