THE ONE Question you should ask yourself before you sell.

Recently I received this voice mail from my client:  “Chip, my XYZ investment made a killing last quarter! And you said I should sell it! Glad I did not listen… Anyway, I just wanted to let you know I was thinking about you after I read my statement this morning!…..Hey Chip,  I’m just giving you […]

The Missing Link to Economic Prosperity

The financial behavior of delayed gratification is MIA these days.  Without it, we have no economic prosperity. Instead, our culture trains us to believe the opposite, instant gratification. Watch for a series of posts based on my experience as financial guide and as a classroom volunteer for Junior Achievement early next year. I want to offer some recommendations for […]


Last year I discussed Earl Nightingale’s book The Strangest Secret. His important message is; “We become what we think about”. We humans have a special ability no other species on this planet possess. It is the ability to choose what we think about. Our “mindset” controls our thoughts.   The AGE OF CONSTANT INTERRUPTION We are […]

Real Freedom Starts with the Opportunities You Seize!

OPPORTUNITIES- the provider of  OPTIONS OPTIONS- the provider of CHOICES CHOICES- the provider of REAL FREEDOM Thus, the OPPORTUNITIES you seize creates REAL FREEDOM you desire.   Do you know anyone today with a “dependency mindset?” Also known as an “entitlement mentality.” This is someone that “depends” on something or someone else to be their “provider”. The “provider” might be […]

Today’s Noble Profession

The old-school sales strategy thrived when everyone else was in the dark. Now, Google shines bright for us. The internet is a game changer for anything old school. Now, the buyer is often more informed than the sales guy.What do you think the old-school car salesman feels about Car Fax?  Hiding facts for a quick sale […]


It is hard to imagine handling your personal finances with out help these days. There are so many different directions to choose, no one path is clear. However….. Your path can be clear if someone shows you the way. ——————————————– GUIDE ME! When I go fishing, I enjoy being on the water. However, nothing is better than […]

Money is like a Hammer defines a tool as anything used as a means of accomplishing a task or purpose. Humans are unique on earth by how we use tools to control and manipulate our environment. The “claw hammer” is a good example.   A carpenter needs to master it’s use. A day may not pass without his need to use […]

Little known Health Insurance Benefit

Are you confused about the future of our Health Care? Who isn’t? However, one benefit I am NOT confused about is the Health Savings Account. Click HERE for information about this little known insurance benefit. For many middle class Americans, health insurance is not as affordable as the “Affordable Health Care for America Act” calls itself. That is […]

How to find your Best Bank EVER!

Matt Becker has a great blog I would like to share called, “Is Your Bank Ripping You Off?” How many of you still have an account with your friendly home town bank? Only it is not “your friendly home town bank” any more. It is now your “Unfriendly MegaBank”. We all remember when the merger […]

Precious Trust and Attention

Remember when we paid the trusted cable company to avoid the interruption of TV Commercials? It was worth the money so our viewing pleasure was not disrupted every ten minutes. It turned out we got duped, so we no longer use the word “trusted” when we refer to big cable companies. Now, we are annoyed […]