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?
Capital Markets Update – Where are we?
Do you prefer headline-grabbing hype and echo-chamber biases, or do you just want the facts, figures, and level-headed analysis?
You Can Reach Us
What gets lost in the pile of junk mail and email we all receive? Did you know that some people read through all the junk? I haven’t got time for it.
Procrastination Poofs Your Money – Vlog
The pile. It sits on Jake’s credenza containing all the documents and files that he’s promised Cynthia he’d review and be decisive.
We know Small Business aka Nate builds a casita
“It’s perfect, Nate! I love it. Can we buy it, can we buy it, can we buy it?” Not the kind of outburst Nate wanted to hear while standing with the real estate agent.
Damien’s Hard Life
Damien comes from a troubled family. Issues cascade from one generation to the next, like a series of waterfalls…