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Soundbites and Memes Rule the World

by Ralph Bender, MBA, CFP® | Business, Economic Commentary, Politics, Protecting Family Money

Black and white. No shades of grey allowed. Color? Don’t even think about it. Well, it’s ok to think about nuances, but be careful with whom you discuss them. So, I’m taking a chance here, because I see lots of subtlety in the world. In fact, I...

Charlie is Frugally Fancy

by Ralph Bender, MBA, CFP® | Client Stories, Enduring Principles, Videos

“Ooh, that’s fancy!” said Charlie’s friend when she discovered her espresso machine. Before the pandemic, they met regularly at a local micro roaster coffee house to catch up on each other’s lives. Now, like everyone else, they’re meeting online. But Charlie always...

What holds me back from competing in a Triathlon?

by Ralph Bender, MBA, CFP® | Fitness, Inspiration, Motivation, RunninRalph, Videos

Running a marathon is grueling. And by marathon, I mean 26.2 miles. Doing it as the final event of an Ironman distance triathlon deserves a special level of respect. People tell me that I’d be good in triathlons, because I’m a solid runner. There are two...

What is the difference between a customer and a client?

by Ralph Bender, MBA, CFP® | Enduring Principles, Retirement

Customer, Client, Patron. While nuanced, they all mean the same thing. You are the reason any organization continues its existence. Sure, the proprietors, partners, or shareholders may own it, but without a steady stream of new revenue sources every business...

Can We Reopen Safely?

by Ralph Bender, MBA, CFP® | Economic Commentary, Videos

My jumpmaster’s voice barked to life in my ears. We separated when I pulled the ripcord at 5,000 feet. Now, he was on the ground, while all our jump class floated above. I followed his instructions and landed almost perfectly. Ken, an experienced but retired...
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