Category Archives: Uncategorized

Financial Planning – A Historical Summary and Insights for the Future

Cultures have different traditions in greeting the New Year. However, there are some similarities. Make noise – firecrackers routed the forces of darkness in China, Thais fired guns to frighten off demons, and Swiss pounded drums. Eat lucky foods – … Continue reading

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The Art of Retirement Cash Flow

Part of the Oakland skyline is slowly vanishing as the demolition of the east span of the Bay Bridge continues. The bridge was built in the Great Depression. It was a “double decker” with two spans – western section connecting … Continue reading

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The Popularity of Pessimism

Barbarity swept the European continent between the 5th and 12th centuries by marauding Vikings as they raped, pillaged and plundered. Violation of a nun’s chastity – brides of Christ – could forbid them entry into Heaven. So imagine yourself a … Continue reading

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When Your Treasures Have More Than Sentimental Value

What would you bring to Antiques Road Show? It’s a popular show combining history and treasure hunts. And who wouldn’t want to stumble upon a treasure? You’ve heard the stories of the family who had a garage sale “ugly” bowl … Continue reading

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Lessons from the Titanic

The magnificent ship failed to reach her destination. Consider the valuable lessons from the disaster that claimed more than 1,500 lives – • Moderation versus full speed ahead • Illusive goal of invincibility • Challenges may loom larger than what … Continue reading

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T.I.N.F.L.

The ageless phrase is conveniently forgotten at times we need it most. Rudyard Kipling wrote in 1891 about a developing trend in taverns to attract drinking customers. “It was the institution of the ‘free lunch’ I had struck. You paid … Continue reading

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The Most Important Question

The excitement grew as we were about to board the Incredible Hulk Coaster. Suddenly, the roar of the cars and the howls of the riders hushed as the coaster shut down. “I don’t want to go on this ride… get … Continue reading

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Keep Your Feet Off the Bottom

River guides told us the rapids would capture our attention, but the canyon would capture our hearts. They delivered on both and we’ll have a lifetime of memories of whitewater rafting on 18 miles of the remote Tuolumne River. They … Continue reading

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Challenges Ahead for Business Owners

“My business was the best investment I had. In the old days, I’d invest capital, hire, train, and nurture the workforce, build and coddle my customer base, and earn a decent profit. We’d take that profit, reinvest a chunk in … Continue reading

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From Hoodies to Kevlar Jackets

“May I help you?” I asked the mature woman who struggled with the gas pump. We chatted as I filled her tank, and she asked, “What do you think about Facebook?” I’m no fan of giving advice to strangers. But … Continue reading

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