If I ran the world, everyone would get the last two weeks of
the year off – off from work, off from the stress of life, just totally and
Alas, I do not run the world, and like you, I won’t be taking the last two weeks of the year off from work. However, I will be taking a couple weeks off from the blog.
Rest assured, the blog will return in the new year fresh
with new content, a new look and feel (eventually – the new website is still a
work in progress), and fired up for the possibilities and promise of the year
Merry Christmas and Happy Holidays to you and your family!
Financial planning isn’t about maximizing investment
returns, minimizing taxes, or developing strategies to pay less for college or
beef up your Social Security check.
It’s really about structuring your personal and financial
resources so you can get more joy and happiness from life. That means making
the most of the next 90 days, even if it’s not always very summerlike outside.
As a planner, I am fond of lists. I love to create them and
attach them to walls, refrigerators and computer monitors. Sometimes I even get
to experience the sweet satisfaction of crossing things off them.
I find that a good list not only helps me define and
prioritize my goals, it helps me remember what I wanted to do in the first
Without a good list, I am likely to find myself at the MN State Fair wondering how I managed to let another summer slip through my fingers.
Paying less in Federal income tax means you get to keep more of your hard-earned income for yourself, for your family and to share with others. You benefit, your family benefits and the economy as a whole benefits.
At least, that’s the way it’s supposed to work.
The new tax proposal is being pitched as a “tax cut for the middle class”. As with every tax overhaul there are winners and losers, but taxpayers need to be careful what they wish for.
Prior to the Equifax breach, I admit to being lax in my personal cybersecurity. In my defense, it wasn’t so much that I was careless, I was just naïve to the risks that we face in our digital world.
Sure, I used passwords and followed all the basic rules. I assumed that big companies, the government and other stewards of my personal data, kept it secure in a way that I could count on.
In the past, that may have been enough, but after the recent Equifax breach, I decided to take a much more proactive approach to protecting my family’s personal information and reducing the risk of more serious problems down the road.
Your passwords – how you create them, how you manage them and how often you update them – are at the core of a strong cyber self-defense plan.