Stupid things we do

We have all done stupid things in our lives which we regret. I know that personally I have lost count over my lifetime of the number of times I have had to apologize for things I have done or said. The worst was as a kid when my mother made me go and apologize to another adult for saying stupid things or throwing a rock on their roof or jumping through the … [Read more...]

Life from both sides now

Joni Mitchell wrote the famous song "Both Sides Now" after being inspired by a passage from the novel Henderson the Rain King" about being on a plane looking down on the clouds. There are so many examples in life where we see things from our perspective and yet others see the same things from a different perspective. I have just returned from Africa on a … [Read more...]

Impala behind the wall – why we avoid that

Growing up in Africa, I have been fortunate to have experienced being on safari many times. One of the most common and beautiful animals in Southern Africa is the Impala. Impala’s would be described in America as a type of gazelle that could reach about 3 feet tall and weigh anything from 88 – 168 pounds. In full flight, the impala is just a magnificent … [Read more...]

Really – That’s all I get for COLA?

The government has just released their numbers for Cost of Living Adjustments for 2017. “Monthly Social Security and SSI benefits for more than 65 million Americans will increase 0.3 percent in 2017” There are a number of threats or possible “Holes in the bucket” for retirement that we take into account as we plan for both … [Read more...]


When considering my list of colleges, it could be vital to know which methodology your choices use when working out how much financial aid they might assign to your student. There are 3 different methodologies that could be used in the Financial Aid calculation and each one has a different formula that could make or break your ability to send your student to … [Read more...]