Begninnings and the Future

June is the month that my third child was born by Cesarean-section. And although it is a very special day for him, it is even more so for me. 19 years ago, during surgery, the Dr’s lost a patient for a few moments. Those moments were just long enough for me to understand that we are here for a deeper purpose. It took me days to get over it, but now, years later, seeing all that has happened between then and now, I understand why I was pulled back.

How can we possibly know what is going to happen 20 years from now? Or in the time that it takes to get there? Although we ought to live for the moment and enjoy every day in its entirety, we also have to keep our eyes glancing into the future. If we don’t prepare for what is coming our way, we could be caught in a bad situation.

You can look at your financial planning for your future in the same way. Life Insurance, Retirement Savings, College Savings. Make sure you’re reevaluating your plans so that you are secure when you get where you’re headed! Sit down with your advisors:  Attorney, CPA, Financial Person and even your Spiritual Advisor, to make sure that you are planning and preparing for what’s next in the best way you are able.


Not Everyone is Like Me

I volunteered at the Flying Pig this year at the Delete Blood Cancer booth to encourage people to sign up to be a marrow donor. Our goal was 1000 swabs and we reached and exceeded our goal! It’s a simple swab of the inside of your mouth, nothing else, to save a life.  (Curious?

While I was volunteering, thoughts were, what motivates one person to be a giver and the other to not to consider giving in any manner at all? Is it genetic? I tend to give and give of my time, my energy and my thoughts. I share, help and reach out. There are others that I know, even those who I know very well, who have never donated time or money. Ever. I was so angry watching so many people walk by and not even take notice. So often I wonder and wonder why others just don’t care!

We’re all different, and what is especially hard for me is to remember that not everyone is like me. Only I see the world through my eyes. Others have a different view. Their eyesight is their own, and their emotions are affected differently by their surroundings and what is happening to them. Who knows what is motivating each of their steps. Which of them is guided by fear or being influenced by someone else’s choices in their lives.  I need to remind myself that I and they are unique.

Everyone’s situation is unique. Whether it’s how you invest your time or your money. Each situation ought to be reviewed and evaluated so that the individual is comfortable with their choices. Give or not. Invest aggressively or conservatively. We’re all unique and we need to do what will make us happy.

Life Balance

I was reading an article about re-balancing. It was about retirement accounts (IRA’s and 401(k)’s) and how to re-balance, when to re-balance, and which percentages you should use at which age to have the perfect balance in your portfolio. Interesting. As a financial advisor this is something I do regularly.

However, my thoughts went further. What about the balance you have as a human being in your everyday life? Are you creating enough time for the things that are truly important to you? Family? Friends? Fun? Relaxation? Worship?

I have always made enough time for family. But is it the right amount of time? Am I giving too much? Doing to much? I needed time to reflect and decide what is right for me. I also recently had to throw out a perfectly good friendship because it was draining my energy. Energy that I needed for other things. Friends should encourage and uplift. Motivate and support and create a little drive! Not constantly complain and whine. I  had to create a calendar in order to make room for fun. Seriously, it had become a problem, I was working all the time. I’m still trying that one on for size and need to work on it harder! I had to time block downtime, time to do nothing but reflect and look inward at what can be improved and be grateful for what I love about me. Also to take time to focus on exercise to help me manage stress. I had also gotten away from taking out time for gratitude and prayer. My life needed serious re-balancing! 

As the song says, take a good look at you now. How much has your life gotten out of balance? Reflect on what you could do better and give yourself a break! Your whole world will be better if you yourself are in balance.Image