Author Archive | Rich Colman

Structured Gratitude

Given the historical events in old New England, there is some controversy around Thanksgiving here. We acknowledge the travesties of our forbears’ deeds, and make present day choices for actions that heal and align with our considered values.  This month we energize gratitude in several ways, and we invite you to invigorate yours: in ways […]

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Where there is fear, there are flames!

Yesterday the DOW fell 831 points closing at 25,598, the largest drop since February 8th of this year. Fear of unknowns carries the turmoil of market decline. The catalyst for the drop can be seen in several areas of our economic, political and emotional environment: 1) reports on corporate profits, 2) political uncertainty, 3) October […]

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A Bull market is defined as a period that starts at the bottom of the previous bear market (a market drop of at least 20%), and continues to move up without a new bear market drop of 20%.  By that definition, we have been in a Bull market far longer than any previous Bull markets. […]

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The Value of Social Interactions

Much too often we can get lost in the means and forget the ends we seek. Finances are not to be viewed in a vacuum. Our work in financial planning that looks and plans for the future requires discipline and insight to “secure” a viable future without hindering our present reality. How beneficial is it […]

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The Harmful Effect of Oversimplifying

From the 1950s through the mid-1980s, peptic ulcers were thought to be caused by lifestyle, not a bacteria. Ulcers started appearing in large numbers after World War II, and the over-simplified concept in use was that the change in lifestyle created ulcers. There was no correlation between ulcers and stomach cancer. A billion-dollar-a-year industry for […]

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Goldilocks Economy has returned…Enjoy it while it lasts

On Friday June 1st, the Labor Department reported that 223,000 jobs were created and the unemployment rate fell to 3.8%.  Teens and minorities have the lowest unemployment rate since measurements were started.  Normally, such robust numbers would cause wage inflation similar to what we experienced in the late 1960s and throughout the 1970s.  Yet we […]

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“Life is choices, and they are relentless. No sooner have you made one choice than another is upon you.”

On this cold, blustery Patriot’s Day in Massachusetts, we salute all of the runners who are participating today in our hallowed Boston marathon. May these champions of resilience, perseverance, dedication and strength be safe, and finish the race. May we learn from their practice. As you now read the lines above, the race is over […]

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The Future of Retail and Technology Advances

For those of us in the Northeast, the month of March is offering winter wonderland challenges. When power is out, and there is no heat, or when the roads are blocked with fallen trees and branches, the perspective of life immediately shifts to survival. Often any money issue cranks up fear and survival (how can […]

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