Black Friday is DEAD

Black Friday is DEAD

Black Friday is dead.

There are 75 shopping days until Christmas, and most of what is going to be purchased this year will be online.

There will be very little hearing of the Salvation Armey bells ringing as you approach the shopping mall.  They are going to need to rewrite the lyrics to Up on the Housetop.

Sing-Along – The “old” version is

Up on the Housetop, reindeer pause
Out jumps good ol’ Santa Claus
Down through the chimney with lots of toys
All for the little ones’ Christmas joys

Ho ho ho, who wouldn’t go
Ho ho ho, who wouldn’t go
Up on the Housetop, click, click, click
Down through the chimney with good Saint Nick


Who Inspires You – Welcome Brad Livingstone

Who Inspires You – Welcome Brad Livingstone


fill (someone) with the urge or ability to do or feel something, especially to do something creative.

What inspires you today?

Are you adjusting to the everyday life alterations since the pandemic began?

Are you wondering what is happening with the kids’ education, missing friends, family members, and co-workers?

With worrying about the economy, your kids’ schoolwork, and people’s health and given how taxing the new normal is, how are we supposed to inspire?

This valuable resource can be elusive even in “normal” times, but right now, it can feel nearly impossible.


Nineteen Years Later –  September 11

Nineteen Years Later – September 11

Nineteen years ago, today, the United States was attacked by terrorists in an attempt to disrupt and destroy the country we know and love.

This year the world has been ravaged by a pandemic.

In both times, many gave their lives to save others without regard for their own lives. We call those “Hero’s.”

I remember the morning of 9/11 vividly, and yet the rest of the day was a continuous blur. Today’s college freshmen were born in 2001, and those born after have no direct knowledge of what occurred.

Currently, we live in a divided country impacted by “new terrorists” that use technology to attack us and impact our lives through misinformation.

My brother-in-law Patrick’s business partner Adam Mayblum was on the 87th floor of 1 World Trade Center on September 11, 2001.

Adam was luckily a survivor.

That fateful evening Adam sent this email and then 365 days later, a follow-up.

This year we need to mute the outside world, to stop listening to those that would destroy us, and to remember the precious people that are in our family and communities.

Let us never forget our “Heros.”

These are the emails from Adam.


Five Ways to Invest in Your New Normal

Five Ways to Invest in Your New Normal

It has been a month since I have written here.

A month that turned from Spring into Summer.

A month that has seen the green shoots of economic revival, and yet today, we are looking at a step backward as we play “Whack A Mole” with COVID-19.

A month closer to being normal?

In our conversations with our clients, no one is sure what normal is or will be.

What they do know is it will be different.

Five Ways to Invest in Your New Normal


Finding a Job for a 2020 Graduate

Finding a Job for a 2020 Graduate

Happy Mother’s Day to all the moms and moms to be.

2020 Graduation is the first, and I hope last ever virtual graduation for most students.

Despite your parent’s best efforts for the last 20+ years, there comes a time when we all must understand that we are all in the same race towards the finish line, and we are not special.

Unless you’ve been living under a rock, you’ve likely heard of the famous “You Are Not Special” speech delivered by Wellesley High School English Teacher, David McCullough, in May of 2012.

Take the time to listen to Mr. McCullough to explain the idea of not being special and remember it.

If there ever was a time when you can stand out and be unique, it is now.


Five Financial Savings Mom Would Like

Five Financial Savings Mom Would Like

Happy Mother’s Day to all the moms and moms to be.

Which brings the question – will we have a baby boom due to the “stay-at-home” shut down of the economy?

There are many memes and online jokes about the children being born being called “coronials” and then later in 2033 the “quarentennials .”

However, the economic stress of the pandemic crisis reduces the probability.  The U.S. birthrate has been nearly slowly declining over the last twenty years, according to macrotrends.net.

In 2000, there were 14.232 births per 1,000 people.

In 2020, the birth rate had just increased year over year for the first time in 20 years to 11.99 births per 1,000 people.

The economic stress of the loss of 20.5 million jobs in April will have the opposite impact. Being worried about your future is not the kind of pressure you want to have if you are thinking about having a child.

What are the changes that you can make to your financial lifestyle today to meet the uncertainty of the future?

Five Ideas Mom Would Like and How to Do It