“The signs are everywhere…” It was an ominous headline to an email that caught the attention of a client. “Is this something I should be concerned about?” Concern, worry and a buying decision to subscribe to an expensive newsletter was exactly what the email’s author was hoping to elicit.  The email’s author had “seen several …

Doomsday Always Sells Read More »

“It is more blessed to give than to receive.” Someone important said that long ago, but I think every generation has the opportunity to discover that truth in new and fresh ways.  But let’s start with the obvious…the math of giving doesn’t seem to work – at first anyway.  If I’ve got $100 and I …

Giving as Gain Read More »

Out of many, one. That’s what the “E Pluribus Unum” phrase stamped on those coins in your pocket means.  It is the aspiration of a hopeful nation, that out of a disparate population from all over the world, a union might be formed and maintained.  For many, our “union” seems tenuous and anything but unified. …

A Union Under Tension Read More »

“Where can I find a job in an economy like this?” He was young and thought of himself as more ambitious than most. He wasn’t going to be happy climbing up some corporate ladder.  “Where’s the best place for a go-getter like me to get the best opportunity?” I tried to break it to him …

Where is Opportunity? Read More »

“Didn’t see that coming!” A worldwide disease pandemic. An explosion of race related unrest across our nation. Oil prices going negative. A global financial crisis. A real estate bubble. The Dotcom bubble.  Pundits will blame someone for not seeing “it” coming. Consultants will charge a fee for helping you see it coming next time. And …

Black Swans: The Enemy of All Perfect Plans Read More »

What causes the average Joe stress at work? Work, right?  Or maybe something about work – a bad boss, poor working conditions, toxic co-workers or maybe just Facebook being blocked on their work computer (“dang IT guys!”). Each year international accounting firm PricewaterhouseCoopers (PwC) sponsors an Employee Financial Wellness Survey. Their 2020 survey asked employees, …

Workers Worry About Money Today, Not Retirement Tomorrow Read More »