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Thursday, June 30, 2022

McGarraugh Farms finished another harvest last week which marks the 101'st wheat harvest for the family farm. Finishing up in the middle of June is rarely a good thing, the great crops usually have us in the...

Friday, June 3, 2022

Memorial Day is a time of remembering, reflecting, and honoring those who gave the ultimate sacrifice for the freedoms we enjoy today. The act of remembering often brings feelings of gratitude, love, and a desire to do good to others....

Thursday, May 19, 2022

The ability to think clearly and draw correct conclusions is necessary in everyday life, especially when it comes to making important decisions. But thinking critically is not natural; it’s not the way our brains are hardwired.

Thursday, April 28, 2022

Friday, March 25, 2022

Our future, by definition, is uncertain. There are times when the future is perceived as less uncertain (the sun will rise tomorrow), but there are seldom if ever, guarantees of future outcomes.

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Tuesday, February 8, 2022

Wednesday, November 24, 2021

Tis the season of gratitude. Thanksgiving is perhaps one of the most underappreciated holidays, but most needed. Given the year we have endured it may be difficult to be naturally thankful. This year may require us to purposefully and...

Friday, November 5, 2021

It’s been said that delegation is a mark of wisdom. Do you delegate the things that others can do so you can focus on the things only you can do? We can choose to delegate activities out of convenience like mowing the lawn or...

Tuesday, September 14, 2021

Creating a Virtuous Cycle There are many concerns today that can significantly affect our thoughts, actions, and quality of life. Fires out west. A devastating hurricane in the south. Afghanistan. COVID. The list could go on and on....

Monday, August 16, 2021

Just because you are paying the bill don’t assume medical professionals or university staff will discuss what is deemed to be personal information, about your adult child. In the eyes of the law, your child is an adult now and...

Monday, August 2, 2021

The Virtue of Slowing Down Time is an interesting dimension. It is a fixed measurement, yet our perception of time varies greatly depending on what we are doing. It has been said that the longest eight seconds in life is riding a bull....

Friday, June 18, 2021

Recently we have been seeing a lot of headlines about how expensive the market is and predictions that it is about to fall significantly. This is also coupled with many mentions of rising inflation. Such headlines filled with dire...

Friday, May 28, 2021

I think every family can point to a past “investment” that was really a speculation. I recently had a phone call with my 102-year-old grandma Elmyra. She told me a story about Grandpa Earl almost losing the farm sometime in...

Tuesday, May 4, 2021

These days it seems there is so much to worry about. The media is replete with news of political frustrations, civil unrest and the global pandemic. Financially, there are concerns about inflation, taxes and deficits. Life, with all...

Wednesday, April 21, 2021

We are four months into 2021 and there is a good chance that half of all the New Year’s resolutions have already failed. A long-term study by the University of Scranton found that less than 10% of resolutions become part of our...

Wednesday, March 24, 2021

Humility or I should say the lack of humility, is a quality that is easy to identify in others, yet difficult to see in ourselves. Humility is a difficult quality to develop because it may threaten our sensitive egos. Ego is important;...

Friday, March 5, 2021

The Lure of Envy The color green is attributed to many positive things in life. Green is often used as a symbol of prosperity and even represents life itself. But not all green is good. Being green with envy is a characteristic we...

Friday, January 29, 2021

The Cost of Investor Behavior Investors often respond emotionally to the market. And whether that emotion is fear of loss or fear of missing out, it is powerful. We are inclined to sell something that goes down and buy whatever is...

Thursday, December 31, 2020

A Persistent Forecast for 2021 Persistent (def) - continuing to exist or endure over a prolonged period Wall Street forecasts lack persistence. Their shelf life may only be a few weeks or months at best. 2020 was a great example; once...

Tuesday, December 15, 2020

The next twelve months may be an especially interesting time. There is hope, but there is still much unknown. Let’s mind travel to December 2021. Next year at this time, we may look back and say, “Of course, how did I miss...

Sunday, November 1, 2020

Tis the season of gratitude. Thanksgiving is perhaps one of the most underappreciated holidays, but most needed. Given the year we have endured it may be difficult to be naturally thankful. This year may require us to purposefully and...

Thursday, October 1, 2020

The brain has a lot of gray matter but hates gray areas. As a planning machine, the brain needs information that is certain so it can figure out the best course of action. And when we don’t get certain information, we get...

Tuesday, September 1, 2020

My exposure to the art of financial planning goes back to 1958 in the Texas Panhandle. Although I recently celebrated my 43rd birthday, I belong to the 4th generation of my family to have called Perryton, Texas as its home. My...