My father passed away on September 8, 2018. He was 70 years old. I find it somewhat ironic I'm publishing this post today, September 11. Social media is rightfully flooded with "Never Forget" posts.
This past Sunday marked the one year anniversary of my dad's passing. I was having my morning coffee when it hit me. I felt sad, again. I still vividly remember getting the call from my brother this time last year.
Last week we were on vacation at my in laws house. Close family friends joined us for the trip and a couple of nights were spent around the table competing in the board game called Wits & Wagers. We paired up into teams of two with each team consisting of an adult and a kid. If you know anything about our family, we trend toward the "more competitive" side of the ledger. It was an intense couple of nights. Well, about as intense as a game of Wits & Wagers can get!
On Friday, Jill & I will celebrate 11 years of marriage. Hard to believe it’s been 11 years. Seems like just yesterday I was smashing wedding cake in her face.
We've been through a heckuva lot in those 11 years. Obviously we had our gaggle of kids in a short period of time and, I imagine like many other married couples, we've dealt with our share of challenges, too.
To quote my father-in-law, it's been the best 10.5 years of my life! Haha.
Our youngest son, Sutton, is playing baseball again this season. The team is comprised mostly of 7 year olds. So far, we've had a few practices and two games. And let me tell you…they stink.
Seriously. They're not good. After our last game Jill said to me, "It's like watching The Bad News Bears."
And she's not wrong.
Before you start thinking "Wow that's horrible,” or “How can they say/think such things," hear me out.
Interest rates have gone down again. In fact, last week the benchmark 30-year fixed mortgage rate fell to 4.4 percent, the lowest point in over 13 months. I imagine you’ll be getting calls from your lender, banks, etc. about refinancing. This tends to happen when rates go down.
I have a confession: I think refinancing a mortgage is a bad idea.
On February 2, 2019 good ol' Punxatawny Phil did not see his shadow. And for those of you keeping score at home, it's only the 10th time in 123 recorded instance he did not see his shadow. So will we have an early spring, as legend suggests we will? According to this USA Today story, Punxatawny Phil doesn't have a very stellar track record.
Yet for those of us that don't care for…
Time really is flying by in our household. And I imagine many of you are experiencing the same phenomenon. Only it's not a phenomenon. This is what happens. Time waits for no man or woman. It just keeps going.
So today I want to talk about the importance of saving, and the impact of delaying our long term savings. We never really feel this impact, but it happens silently. And it happens over time. Oh yeah, and it's real.
I recently received an email from a colleague. In his email he asked if I was ready for the impending market crash (his words, not mine). Perhaps not ironically, he sent this email just before history was made on August 22, 2018. This date marked when the bull market that started roaring after the Global Financial Crisis became the longest running in US history.
In addition to my colleague's inquiry, I've been asked many times this year (and years prior), about the "impending market crash." My answer was and remains the same. Here it is:
The past few weeks have had me thinking a lot, and worrying a bit too. I'm a bit of a weather geek and the barrage of hurricanes in the Atlantic has been both amazing and horrifying. Hurricane Harvey and the impacts on Texas, Hurricanes Irma and Maria and the destruction in the Caribbean Islands and Florida. Even the 16th anniversary of 9/11. These events have all been dramatic, catastrophic and life altering.
As humans I do not believe we are wired or preprogrammed to worry. I'm not sure when we pick up the "worry" trait, but it happens. And it's not when we're kids. Think about it.
Maybe you see it in your own kids. I know I see it in mine. Maybe they're doing something around the house, wrestling or running full speed MACH 2 around the living room - you know, just being completely crazy kids. Whatever it is, the ending is likely not going to be good. Think trip to the Emergency Room. As parents, it's our instinct to blurt out something to effect of…
