Happiness

Beware of human nature in financial decisions

Beware of human nature in financial decisions 1016 784 Donna Skeels Cygan

Being a smart investor is not easy. It requires discipline and rational thinking. Being focused on a long-term goal and being able to ignore the “noise” of the stock market,…

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Close out 2020 by simplifying, giving

Close out 2020 by simplifying, giving 1772 916 Donna Skeels Cygan

Many of us will be eager to see 2020 come to an end. The COVID-19 pandemic has killed over 275,000 Americans. Many families are grief-stricken. Many businesses have shut down,…

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Take time now to prepare for the worst

Take time now to prepare for the worst 1922 1162 Donna Skeels Cygan

Watching the devastation caused by fires in California, Oregon and Washington state in recent weeks has been heartbreaking. The nightly news shows us the anguished faces of people whose homes…

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Talk to kids about jobs, money, experiences

Talk to kids about jobs, money, experiences 1296 1020 Donna Skeels Cygan

You can have a positive impact on your child or grandchild by becoming a financial role model. This does not require that you are wealthy or a successful investor. It…

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Looking ahead toward retirement

Looking ahead toward retirement 900 601 Donna Skeels Cygan
Planning for retirement can be stressful. In addition to preparing for a different lifestyle, people always worry about money. Have I saved enough? How should I invest it? And then there is the whopper of a question: How much can I spend each year in retirement and not have to worry about running out of [...]read more

Strategies for staying calm during financial — and everyday — turbulence

Strategies for staying calm during financial — and everyday — turbulence 900 698 Donna Skeels Cygan
In last month’s article I discussed financial strategies to help you stay calm when the stock market starts to plummet and investors become fearful. Today’s article will provide personal strategies for keeping a cool head when others feel like the sky is falling. These tips are helpful during everyday life – even when the stock [...]read more

Staying calm when the market is not

Staying calm when the market is not 2560 1706 Donna Skeels Cygan
Some say the U.S. stock market will be strong in 2019 while others say we are heading for a recession. No one knows for sure. Economist Paul Samuelson famously said, “The stock market has forecast nine of the last five recessions.” The stock market was far more volatile than investors would like during October through [...]read more

Giving generously will warm hearts

Giving generously will warm hearts 1200 800 Donna Skeels Cygan
The holidays are often stressful and the frenzy of the season can get exhausting. I encourage you this year to have a different attitude: Take a step back, and think of others who are less fortunate. Giving to others and focusing on gratitude creates a healthy attitude. It’s a fact: Scientists in the field of [...]read more

Family stories

Family stories 900 600 Donna Skeels Cygan
Thanksgiving is a time when families get together for a special meal. Often, several generations eat together. The meal is delicious, and we tend to overeat. I encourage you to focus on starting an important conversation this Thanksgiving with your kids or grandkids. The objective is to pass down family stories from past generations, discuss [...]read more

Follow these five steps to take control of financial future

Follow these five steps to take control of financial future 5616 3744 Donna Skeels Cygan
Money skills are learned. They are not genetic. Many of us learned how to deal with money from our parents or grandparents. It was not a formal class or an organized discussion. It was merely watching the way they handled money while we were growing up. Did they save for their future, or were they [...]read more