In support of NJ Senate Bill 2293 “Securing Our Children’s Future Bond Act”

Posted Leave a commentPosted in Leadership, New Jersey, News and Politics, Parenting, Taxes

I read two social media editorials by taxpayers encouraging voters to vote against Senate Bill 2293 known as the “Securing Our Children’s Future Bond Act“. This blog post is an editorial in support of the bill. My argument is broken down into a brief listing of the facts followed by four points of personal opinion. […]

Civil action as a family value

Posted Leave a commentPosted in Leadership, Parenting

The warm feelings shared today after the Women’s March, the world’s largest peaceful civil protest against government yesterday sparked a personal memory from 15 years ago. On one of our earliest trips to Washington DC with Josh, 8 and Arielle 5, and friend Greg (above) we visited the White House. But we didn’t go on the […]

Life at age 30: then and now

Posted Leave a commentPosted in Divorce, Financial Planning, Parenting

Wall Street Journal reports today that half of today’s 30 year olds earn more than their parents (adjusted for inflation) at the same age. I don’t see evidence of that early success in my communities today. At age 30 back in 1990 most of my peers owned houses, perhaps had a a rental property or […]

Devastating impact of education costs

Posted Leave a commentPosted in Divorce, Financial Planning, News and Politics, Parenting, Values

I worked on two personal income tax returns yesterday that serve as examples to further underscore the need for education finance reform. As an adviser I see plenty of these examples in working class families, these two just happen to be the latest. I know that my peers in the tax preparation industry will see […]

The full burden of college debt is still unrecognized

Posted Leave a commentPosted in Financial Planning, News and Politics, Parenting

While only 17% of the U.S. population has earned an undergraduate college degree, education debt is a major economic drag on the country. Over our lifetime college tuition costs have risen much faster than the rate of a typical salary earner’s income. Government and news media now describe the current cost of college as “out of […]

reflections on Kent State 1970

Posted Leave a commentPosted in News and Politics, Parenting

In 1970 the Ohio National Guard, armed with bayonets on M1 rifles, marched on and shot unarmed students at Kent State University who were engaged in a  civil protest event that authorities had not approved. Although there were political agitators at Kent State that week, all of those shot were university students. I was only 9 […]

The problem with private scholarships

Posted Leave a commentPosted in Financial Planning, Parenting

The burdensome application process combined with the financial aid ‘offset’ policy used by many universities undermines the value of small private scholarships. A number of small privately offered scholarships go unclaimed each year because of lack of qualified applicants. Students tell me it’s just not worth the effort to apply for them. I used to think […]

Turning Point for Success

Posted Leave a commentPosted in Financial Planning, Parenting, Writing

“I found every single successful person I’ve ever spoken to had a turning point. The turning point was when they made a clear, specific unequivocal decision that they were going to achieve success. Some people make that decision at 15 and some people make it at 50, and most people never make it at all.” […]