Return on Investigation

When my husband and I started merging our financial lives, we approached it in what seemed like a reasonable fashion.  We each had separate accounts where our income would get deposited and a joint account that we used to pay common expenses.  We each contributed half of what was due to the joint account; the rest stayed in our individual accounts to be spent as we each saw fit. The system worked fine for us for a while, especially when we were both equally broke.  It seemed fair and it allowed us to maintain some… [read more]
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Apocalypse Soon

(from Seth Godin’s blog dated 4/15/2016. Click here for the original post.  Seth is the author of 18 books that have been bestsellers around the world. He writes about the post-industrial revolution, the way ideas spread, marketing, quitting, leadership and most of all, changing everything. You might be familiar with his books LinchpinTribesThe Dip and Purple Cow.  Follow him on Twitter @thisissethsblog.)    It’s a bug in our operating system, and one that’s amplified by the media. I’m listening to a speech from ten years ago, twenty years ago, forty… [read more]
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The Trade Deficit? It’s Complicated…

In between arguments about building a wall and providing free college educations, the US trade deficit has been raised as proof that America is on the decline by both Trump and Bernie Sanders. In Portsmouth, Ohio, where I grew up, the Republic Steel factory took up several city blocks along the Ohio River.  The Harbison-Walker brick refractory, several shoe factories and a shoe lace manufacturer, Mitchellace all provided great jobs for people who graduated from high school and went straight to work in the plants next to their fathers.  The annual wages paid to many… [read more]
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Fighting the Battle of Last Year

In a recent meeting, a client on the east coast shared that he had prepared for this past winter by purchasing a snow blower and heated gutters as a reaction to a punishing 2014-2015 winter season. How was he rewarded for his preparation?  By barely putting either to use in one of the mildest winters on record thanks to El Nino.  In telling the story, he sighed and amusingly chalked the experience up to his ongoing struggle “fighting the battle of last year.” We all do this, of course.  It just manifests itself in… [read more]
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