Presidential elections shape economics in the United States, including residential real estate. While not directly tied to buying and selling homes, the effects of presidential policies on interest rates, tax laws and market confidence reverberate through the real estate industry. Understanding how elections affect the market is essential for advising clients, whether they’re buyers, sellers […]
Change is a reality in business whether we want it or not. Business environments change, economies change and team dynamics change. Technology changes rapidly. Life in general is about change. But if we habitually resist change, we limit the potential of all that’s available to us. People avoid change because they also must change in […]
It seems early to discuss holiday issues in October, but the holiday displays are already up at the big box stores, and smart employers are already planning for the holiday season and the winter months. This month and next I will discuss some of the questions and issues that arise during the holiday season. What […]
Johnny C. Taylor Jr., chief executive officer of the Society for Human Resource Management (SHRM), describes what he considers a society in crisis and one solution. “The world is brimming with diverse opinions and perspectives … . We won’t agree on everything. That’s why civility has never been more paramount.” Civility is more than just […]
In reflecting on my youngest daughter’s high school graduation, I remembered the excitement in the eyes of the 240 young people dressed in caps and gowns. Some were ready for school to be over while others looked forward to the next phases of their educations. Whatever path those young people choose, some will become consumed […]
What does it take to create a successful retirement plan and put it into place? Planning is essential. Employees must understand health insurance benefits and limitations, how to transfer 401(k) funds to a personal Individual Retirement Account (IRA) and the procedures for collecting benefits from company sponsored retirement plans. Employers must comply with laws when […]
Grandma would always tell us kids to save some money for a rainy day. Grandma was wise in many matters. Money was no exception. Essentially, Grandma referred to the three foundational behaviors to building wealth: create excess cash flow by living below your means, embrace risk and put excess cash flow to work by investing […]
Those first critical five to 10 words that come out of your mouth have significance. Becoming a better listener presents other challenges that leave us hearing only about 20 percent of what someone says. Humans hear between 20,000 and 30,000 words during a 24-hour period. That’s a lot of words to retain in a given day. […]
We’re in a strange moment right now. As the world shifts so quickly, the way we’ve always understood economic progress feels like it’s fading into irrelevance. The Industrial Age, the engine of growth for more than a century, seems behind us. Even the Information Age, once hailed as the future, feels like it’s lost its […]
Yoga is all about learning to balance life with calmness and positive thinking. Yoga, which means to join the body and mind, dates back more than 5,000 years and combines breathing, exercise and meditation. Breathing techniques are taught on the concept breathing is the source of life in your body. Exercises apply pressure on glandular […]