My girls are really into softball. At the end of season party, one parent shared this touching story about their daughter (we will call her G). G was interviewing with a private school. The school asked, “Are you a follower or leader?” G responded, “I’m a follower!” G’s parents got really nervous and thought…wrong answer.…

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I’m a firm believer that investments should have expected future cash flow. True investors should “expect” to be compensated for delaying gratification and taking risk (ie uncertainty). If an “investment” doesn’t have future expected cash flow, it is not an investment. Rather, it is a speculative guess. These speculative guesses are based purely on the…

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Stephen Covey said “The key is not to prioritize what’s on your schedule, but to schedule your priorities.” I love this, and it’s been impacting my calendar for years! At Verisail, we think it’s really important to be intentional about your work AND your life. If you simply “work to live” you may be dissatisfied…

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Are we in a stock and real estate bubble? Maybe. There is a case to be made that we are, and the rough start to the year has people on edge. Does anyone know when or if the bubble will burst? No Does anyone know how long a potential downturn could last? No Does anyone…

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In working with clients, we have found this trick to be super helpful and provide additional peace of mind. We all have non recurring expenses that happen randomly or every now and then. Some examples include, travel, home repair, car repair, medical, gifts, insurance premiums, etc. These can cause stress because they don’t happen on…

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Retirement Contributions – Make 401k, IRA or employer contributions. Charitable Contributions – Give cash or appreciated investments to your favorite charities. 2021 Reflection – Did I save, give, spend intentionally, and pay off what I had planned? If so, celebrate! If not, why? 2022 Plan – How much will I save, give, spend intentionally, and…

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You have probably been reading about inflation concerns lately. I recently read a great article outlining where inflation is and isn’t according to the Bureau of Labor Statistics. Here is the article In summary, here are the top 4 categories that have seen the highest and lowest price increases Highest Rental cars Gas Used cars…

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I recently traveled internationally with a group of business men. Traveling without my family forces me to consider their situation if I was “promoted” (died) unexpectedly. It’s uncomfortable and sad to think about this, but I’d rather be prepared than avoid discomfort. Here are the questions I asked myself before my trip: Will my family…

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