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...

First comes love…or sex? “First comes love, then comes marriage, then here they come with a baby carriage.” You may recognize this little rhythm my generation used to sing to embarrass each other.  Based on today’s culture the rhythm could go: “First comes sex, then comes living together, and the baby carriage could happen anytime or...

One of the most difficult parts of marriage is agreeing how to discipline. When one parent is more lenient, and one is more harsh, often parents fail to back each other up, and instead form emotional bonds with the kids. Here's a situation that happened in our family recently: One of our daughters, who had been very compliant, hit puberty, and...

Blah, blah, blah! All too often the words we speak come across as meaningless chatter. Communication, the transmitting of information from one person to another is such a common part of our lives that we engage in it without giving the words we speak much thought. Our communication techniques can devalue those we are closest to. In fact communication...