Videos
What Risks Can You Endure?
Who Hears You
Julia – A Party Planner
Waterfall Distributions – Marty and Jean Visit Yosemite
Marty and Jean brought their family to Yosemite Valley to share in some of the splendor of what they believe is the most beautiful valley in the world. And there’s lots to do there, too. Together, they hiked up the trail to the bridge beneath Vernal Falls, then the...
Today’s Cost of Raising a Kid – Vlog
The screams of pain and anguish come every few minutes. Breathe. Focus on the breathing. Fully effaced and dilated 10 centimeters. Time to push. Another scream of pain and anguish. The head is out. One more push and we have a new baby. It’s the baby’s turn to scream....
Hero of Main St – VLog
What’s in a name? Mine is simple, one syllable, “Ralph”. It supposedly means wolf or hero. In my line of work I’d prefer hero, because the way I work is nothing at all like the “Wolf of Wall Street.” Call me the hero of main street. Our clients know they need...
Hot Air Balloons are like IRAs
Hot air balloons rise in the east, launching from Lake Skinner in Southern California’s Temecula wine country. On many weekday morning runs I’ll see a handful of them on the horizon. Small black spots, backlit by the rising sun. They rarely drift into the more densely...
Credit Card Snowball Strategy
If you want to have extra money, let’s get those cards paid off. At 18% interest, carrying a balance costs you $15.00 per month for every $1,000 you owe. But some of those cards charge 24%, or $20 per month per $1,000.
Are you prepared for things to go terribly wrong?
Cynthia woke up. Everything was blurry, including the talking. She tried to move, but everything hurt too much. She laid there on her back, trying to make sense of the situation. What was happening?