It is often said that balance is the key to happiness. Financial balance is an important part of a balanced life. Life can sometimes be like the balance scales our grandmothers used years ago with many different aspects of our beings coming together to balance and form the people that we are. We work and play, rest and expend energy, commune with...

If sex is important in marriage, why does it slowly get put on the back burner? One excuse that I am sick of hearing is “I don’t have time.” I’m sure you are busy. I know I am busy. But think of all the things that you make time for. If you really wanted to have sex you would make the time. So what is stopping you? Take some time to...

Have you ever met a person who refuses to make decisions together? You might ask, “What shall we have for supper?” and the uncooperative response may be, “I don’t care.  You decide.” Or you say, “I’m thinking we might take a trip to the coast this year.  What do you think?” only to hear, “Does it really matter?  We always do...

We all know that building strong relationships takes ongoing work. We start by prioritizing our relationship(s) and finding time for those who are important to us.  If we neglect to do that life moves along and we can lose touch.   A close relationship is like a dance.  When one person moves, the other one responds.  The dance can go really...

Major changes — whether personal or professional — can significantly affect your family’s insurance and investment needs. A year-end review of your situation will help ensure that you have adequate coverage and that your investments are meeting your needs. Consider where you stand now in terms of your financial goals and what, if any, adjustments...

The most valuable things we offer our children cost nothing. But there are many other things we give them that cost money.  The most expensive is often the opportunity for them to attend college or university. Without financial assistance, our children may have to forego post-secondary education or graduate with loads of student debts.  We want...

In difficult economic times like these, it’s natural to search for ways to cut expenses and reduce the pressure on your family income. Among the many ways to lower expenses, the easiest may seem to stop making donations to your favorite charities. If we truly believe in what these organizations are doing, discontinuing our financial support means...