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September 2008

 

Two Glasses of Wine

When things in your life seem almost too much to handle, when 24 hours in a day are not enough, remember the mayonnaise jar and the 2 glasses of wine theory...

A professor stood before his Philosophy class with some items on his desk in front of him. When the class began, wordlessly he picked up the very large and empty mayonnaise jar and proceeded to fill it with golf balls. He then asked the students if the jar was full. They agreed that it was.

The professor then picked up a box of pebbles and poured it into the jar. He shook the jar lightly. The pebbles rolled into the open areas between the golf balls. He then asked the students...

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Avoid these financial planning mistakes 

Number One - Buying too much on credit. No matter what income level, more people get into financial trouble because of too much debt than any other reason. "Too much" means different things to different people. Very few people go through life without making a purchase on credit.

However, trying to "keep up with the Joneses" pushes too many of us into lifestyles we simply can't afford. Buy some things you need on credit, like a home or a car, but save up the cash to buy the things you want.

Number Two - Not paying yourself first. If you were at a movie with your family and a fire broke out who would you...

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Knowing heart attack symptoms can

save a life

Many people believe they will recognize the symptoms of a heart attack simply because of what they have seen on TV or at the movies. While some heart attacks are sudden and intense, most start slowly with mild pain and discomfort.

The longest running heart study in the United States suggests that one in four heart attacks produce no symptoms, or at least none that the victim associates with a heart problem. Many people experiencing a heart attack are not...

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“It isn't what you have, or who you are, or where you are, or what you are doing that makes you happy or unhappy. It is what you think about.”

Dale Carnegie


Commissions, trailing commissions, management fees and expenses all may be associated with segregated fund investments. While the principal amount of a segregated fund investment may be guaranteed, their values change frequently and past performance may not be repeated.  Please read the prospectus of the segregated funds in which you invest.  The information in this email newsletter is general information only and is not intended to constitute specific legal, accounting, financial or tax advice for any individual.