Inside “The Inside Job”

Inside-job-202x300 If you decide not to take my advice and watch the movie, The Inside Job, here is the primary takeaway I want you to understand:

The financial services industry is not in business for your benefit, but instead, its own.

You may recall that I reviewed Michael Lewis’s book, The Big Short, in January of 2011.  That book was an insider’s view of the financial collapse.  It tells the story of the collapse in lurid (and often vulgar) detail from the inside out.  The Inside Job (ironically) is actually a retelling of the financial collapse narrative from an outsider’s perspective, with the benefit of hindsight and complete with a catchy soundtrack and the cool-factor of Matt Damon as its narrator.  It begins with the following quote: “The global economic crisis of 2008 cost tens of millions of people their savings, their jobs, and their homes.  This is how it happened."

And if it stuck merely to “how it happened,” I could’ve given it the highest marks possible.  But instead the writer and director, Charles Ferguson, chose to proffer, directly and through a great deal of implication, his thesis on how the crisis could’ve been avoided (through more and better regulation).  That gave the film a less objective journalistic feel, but didn’t cost it its two-thumbs-up rating from me (I’m sure they were relieved), nor did it stop it from winning the Academy Award for Best Documentary in 2010.

The film surprised me with a preamble set not in the struggling U.S. heartland or on battered Wall Street, but instead in Iceland.  The story of Iceland’s economic demise—almost a microcosm of ours but in a country too small to bail itself out—is fascinating and the sweeping Icelandic landscape accompanying the story made me want to visit.  Then, the story of the movie is told in five parts:

  1. How We Got Here
  2. The Bubble (2001-2007)
  3. The Crisis
  4. Accountability
  5. Where Are We Now?

As opposed to a play-by-play, here are a few tantalizing tidbits that grabbed my attention:

Investment banks—the companies that raise money to birth new companies—used to be partnerships, not publicly traded.  This is noteworthy because when the banks were private partnerships, it was the partners themselves who risked their own capital.  If the companies they brought to life failed, it was their own funds that were lost.  The conversion to public companies—initially spurned by most of the establishment firms—meant, among other things, that investment bankers could make more money and spread the risk of each transaction to shareholders instead of bearing it themselves.  Eventually, each of the major investment banking firms went public.

The last major investment firm to do so was Goldman Sachs.  Goldman is so demonized in The Inside Job that I was expecting Lucifer himself to be indicted as its CEO, but while it feels at times like you’re watching a conspiracy theory aimed specifically at Wall Street’s most venerable member, it’s hard to argue in Goldman’s favor.  It is uncanny how many Goldman big-wigs ended up in senior government positions making decisions that materially impacted their fortunes and those of their cronies.  Don’t forget, “Hank” Paulson, the U.S. Treasury Secretary during the financial collapse, was the former Chairman and CEO of Goldman Sachs.  Should we be surprised that his fierce competitors, Bear Stearns and Lehman Brothers, were left to die on the vine while Goldman (which also played a material role in causing the crisis) emerged almost unscathed?

Unscathed, that is, but for their public image.  The movie details the congressional hearing with Goldman execs where they were forced to hear emailed quotes of their salesmen writing “Boy, that Timberwolf was one shi**y deal,” followed by confirmation of a manager (at a later date) prodding his salespeople, “The top priority is Timberwolf.”  (Watch them squirm under questioning in the video clip below.)  It’s scenes like these throughout the movie that will provide you with more pure entertainment value than you may have expected.

But I assure you this is far more than entertainment.  With the aid of visuals, The Inside Job does a very effective job of educating the viewer on the dramatic shift in the banking industry, detailed in-depth in The Big Short, from banks lending money directly to homeowners to banks lending to homeowners, then selling the loans to investment banks who sold the loans to investors who then purchased insurance created by the investment banks to cover their bets on poor quality investments that were rated high-quality by the rating agencies who were paid by the investment banks.  (See, it needs a visual.)

And despite its obvious left-of-center lean, it’s almost as condemning of Clinton and Obama as it is of the Bushes and Reagan.  While “W” takes the most presidential heat throughout the film, Obama’s criticism may be the harshest—after all, he employed many of the same exact people as the previous administrations in his highest economic posts, all on a platform of “Change.”  But I recommend you try not to get too hung up on the politics or obvious biases of the film.  It does too good of a job educating and exposing to dismiss it completely for bias.

The Inside Job is PG-13, but tame enough for a great educational piece for teens.  It will certainly become part of my curriculum (in addition to the movie I.O.U.S.A.) at Towson University.

It is not my desire to promote paranoia or incite bitterness and hatred toward the financial industry, but your future financial decisions will be better informed when you recognize that most of those clamoring for your brokerage, banking and insurance business are following policies purposefully designed to enhance their corporate bottom-lines, not yours.

*This article will appear on

Recession is the Mother of Invention

Entrepreneur If you’re looking for some good news in the midst of our climb out of an economic chasm, studies show that recession is the mother of invention.

Although the numbers aren’t out yet for 2010, the Kauffman Foundation’s Entrepreneurial Activity Index showed that 2009 experienced a higher rate of entrepreneurial activity than in the previous 14 years!  So not only does an economic pull back spur entrepreneurial creativity, but apparently, the deeper the recession, the more growth we experience.

Now the city I call home, Baltimore, is known for many things—crab cakes, the harbor, punishing defensive football, a hopeful but depressed baseball culture, a sturdy work ethic and maybe a no-nonsense attitude—but an entrepreneurial hub is not necessarily one of those things.  It seems that we’re often over-looked by our “elite” neighbors to the north and south.  But folks like Dave Troy (among many others) are spreading well-founded rumors about an entrepreneurial explosion taking place in Charm City.  (See below to listen to a recent interview with Dave Troy.)

We in Baltimore have a tendency to thrive on being the under-dog.  I’m convinced that Ravens fans—and maybe even the players—would prefer to go into every game as the underdog, if for no other reason than to prove the naysayers wrong.  Well, underdogs aren’t hard to find as we scrape and claw out of the Great Recession.  If you’re one of the many who’ve been beaten down by job loss or underemployment, I want to encourage you to take a day or two off from sending resumes and contemplate what creative forces inside of you may be put to better use than inside the walls of a steady paycheck benefactor.  Very few have the make-up to be the CEO of the next-great-thing, but there is a high likelihood that one of those folks could ably employ whatever it is that makes you, you.

Entrepreneurship is at the heart of a thriving and prosperous future Baltimore… and whatever city you call home. 

Listen to the radio interview that Drew Tignanelli and I recently conducted with Baltimore entrepreneur, Dave Troy.

Living Down To The Stereotype

Usedcarsalesman Have you ever heard someone say, “I’m not a pessimist; I’m a REALIST”?  That’s something that pessimists say.    I’m an optimist.  Not the kind who appears not to have experienced any pain and almost pretends to ignore that it exists, but the kind who has seen enough pain transformed into something incredibly positive to know that there is validity in this statement: All things—even those that are painful—work together for some greater GOOD.

The challenge for optimists is that the world seems intent on proving us wrong on a daily basis.  Stereotypes and discrimination are a great way to preserve cynicism and pessimism.  After all, when one expects people to live down to their negative stereotype, the cynic wins regardless.  Either they are pleasantly surprised and deem the experience anomalous or their “correct” preconception gives their ego an extra breath of inflation.

What, then, is the posture of the optimist when faced with real life stereotype reinforcement?

A couple weeks ago, my wife directed my attention to a piece of mail—from a large local auto dealership—that reads:






Possibly fearing that I may perceive such language as unsubstantiated, as though this were another long-lost German uncle who’d discovered my family fortune somewhere in Africa, the letter bolstered its audacious claim:

On January 8th, 2011 we checked the Black Book® Appraisal Guide and it stated that your vehicle, in clean condition, could be worth $5,530.  However, we feel that your vehicle could be worth even more.  This is not a gimmick… WE NEED VEHICLES!!

REALLY!?  I mean, it is a good strong vehicle, but with 157,500 miles on it and enough Cheerios under the back seats to feed a small reunion, Andrea and I figured it was worth little more than a few large pizzas. We’d already decided to “run ‘er into the ground.”

Fortunately, we both came to our senses pretty quickly and chuckled at our naivety, recognizing that the “Special Vehicle Code” listed at the top of the mailing was probably code for, “If these morons call, they’re extremely gullible, so sell them down the river!”  But as I hovered over the trashcan, the optimist in me spoke up: “Well, it can’t hurt to call and do a bit of due diligence, right?”

So the next day at work, I called and talked to a gentleman in the sales department.  He took ten minutes to convince me of the mailing’s legitimacy…how the car dealerships came to a screeching halt after “Cash For Clunkers” dried up…and how they’ve been looking more favorably at vehicles they wouldn’t have been interested in a year ago.  The optimist now identified with his plight.  Heck, if they wanted to give me $5,530—or more??—for my ailing work horse, I was happy to oblige!

So two days later, I followed the salesman’s advice and set up a meeting with the General Manager of this large new and used auto dealership to have him confirm the surprisingly high offer in the letter.  He examined the vehicle inside-and-out, drove it down to the servicing bay and returned with a piece of paper in his hand, sitting down next to me.

He said, “Well I’ll tell you, this vehicle is in very nice shape.  It has a lot of miles on it, but otherwise it’s a good vehicle.”  That sounds like good news, I thought.  Then he said he had spoken with the used car manager and they were willing to give me “this number, in cash” pointing to a virtually blank sheet of paper with the number $2,500 written on it.  Huh.

Grateful for the reminder from my wife not to lose my temper if the reality turned out to be more believable than the warm invitation we’d received in the mail, I calmly and quietly told the GM that I was disappointed I thought there may be any truth to the letter in the first place, that I was disappointed my wife and I wasted precious time at the dinner table discussing said letter, that I was disappointed a salesman took ten minutes of my work day to entice me further to visit the dealership and that I was most disappointed I took a couple hours out of a day to sit through this present charade.

The pessimist may conclude that the huge financial conflict of interest of a used car salesperson is simply too great to allow them to rise above their stereotype.  The optimist, however, would write a blog post about it, in hopes that when the General Manager at the dealership reads it, he’ll consider recalling this deceptive marketing campaign.

(Oh, and by the way, if it weren’t for that letter, my wife and I probably wouldn’t have even thought twice when we heard a good friend of ours—who takes remarkably good care of his vehicles—was selling his vehicle that would suit our family very well.  We sold the XTerra privately to a young woman who needed reliable transportation after losing her car in an accident and are now enjoying my buddy’s vehicle as an upgrade for our family.  Thank you deceptive marketing letter!)

The Value of Football (and Money)

Tim's son Saturday night after the AFC playoff game between the Baltimore Ravens and the Pittsburgh Steelers, my seven year old son, Kieran, and I were sprawled out across the sofa in a coma of disappointment.  Clad in our purple and black jerseys bearing the names and numbers of our favorite players, we lay…silent.  Kieran was obviously on the verge of tears, so I finally mustered the courage to speak and asked him if he was OK.

He responded, “Dad, I’m sad that the Ravens lost, but I’m sadder that you yelled so much.”

He was right.  As the Ravens benefited remarkably from Steelers miscues in the first half, I demonstrated “irrational exuberance,” and as their game plan devolved into an NFL follies reel in the second half, I came unhinged.  As I processed this unintentional admonition from my son—who was likely most interested in the game simply because of the opportunity to spend time with his dad—my conscience initiated a discussion:

 Conscience:  “You know that football, in the grand scheme of things, isn’t actually important or inherently valuable, right?”

Tim:  “Don’t be silly—of course it’s important and valuable!  Coaches and players engage in healthy competition, putting their wits and bodies to the ultimate test!  Tens of thousands of people engage in vigorous community at every game!  Entire cities, divided in so many ways, come together in unity to support their team!  Families and friends break bread and engage in fellowship around the game!  What’s wrong with that??”

Conscience:  “I didn’t say anything was wrong with football.  I didn’t say it was bad.  I said that it wasn’t important.”

Tim:  “OK, so what about all that great stuff I said about community and cities and relationships benefiting from the game?”

Conscience:  “All that stuff is good and important.”Tim:  “But not the game itself, or its outcome?”

Conscience:  “Right.  And by the way, what of that goodness did you demonstrate or share with Kieran during and after this game?”

Tim:  (Sigh) “Right.”

Conscience:  “But it’s ok.”

Is there anything in your life that isn’t important that you’ve placed above something that is?  How about MONEY?  What is it worth?  What is its inherent value and import?

NOTHING.  The money in our pockets, purses, banks and investment accounts is actually of no genuine value.  It’s literally worth only what we’re willing to believe it’s worth.  This is true…even if we choose to deny it (and too often, I do).  In the early 1970s, the U.S. went off of the “Gold Standard,” which pegged every dollar’s value to a certain amount of the tangible yellow stuff.  Since then, we, as do most countries in the world, have a fiat money system.  This basically means that our government prints money that we, as consumers, agree to BELIEVE has value.

But while money and football have no inherent value (I’m still struggling to write that), neither are they intrinsically good or bad.  When properly viewed and balanced, football delivers an excellent platform for building strength, conditioning, teamwork and community (and controlled exuberance).  Similarly, when the neutral tool of money is used to good effect, it provides, security, opportunity, aid for the underserved and myriad occasions for relational enhancement.

So neither football nor money are good or bad or important or of inherent value.  When overvalued, they have a tendency to stand in the way of that which is truly valuable—RELATIONSHIP—but when employed with wisdom and understanding, the result is a fuller and more vibrant life.

(For the pragmatist unnerved by the philosophical leanings of this post, please note that those who effectively neutralize football and money, aiming for a goal loftier than winning and amassing, often tend to win and have more.)

Foul Language and the Making of a Financial Crisis

Big_short_cover Would you like to know EXACTLY what caused the financial crisis?  While I can’t sum it up in a way that will leave you fully satisfied in a mere blog post, I can point you in the direction of a resource that will entertain you while giving you a crash course in the creation of a financial crisis.  But I must disclaim that if you want to really know what caused the crisis—and what is likely to cause the next one—you’ll need to have the ability to consume more than just a few “choice words.”  The true story of the destruction of our financial system is both profane and profanity laden.  It’s The Big Short, by Michael Lewis.

Michael Lewis has written some incredibly important books.  His breakthrough came when he wrote a tell-all exposing the moral ills of Wall Street entitled Liar’s Poker, but the book you’ve probably heard of—or the movie based on the book—is The Blind Side.  It’s the incredible story of Michael Oher, the current left tackle for the Baltimore Ravens, who escaped occasional homelessness to become one of the NFL’s finest.  Lest you think the point of my digression into Lewis’s other works is a not-so-veiled attempt at giving props to my home team taking on the dreaded Pittsburgh Steelers this Saturday at 4:30 pm in the divisional playoffs, I assure you it IS.  But my point also serves to demonstrate that Michael Lewis is indeed a gifted writer, capable of giving the financially savvy more than enough to chew on and novices a manageable framework for the financial events that brought down even the most the legendary of Wall Street firms.

“Holy s—, that’s just f—ing crazy. That’s fraud.”

“This is a fictitious Ponzi scheme.”

Those words are spoken by the “good guys” in The Big Short, traders who dug further and further into the deceit and greed to discover that Wall Street had created synthetic investment products (credit default swaps) designed to bet against other synthetically created investment products (CDOs). CDOs were designed to defraud investors by manipulating incompetent rating agencies, thereby hiding the inherent danger in the investments they aggregated—sub-prime mortgage bonds—comprised of the ill-conceived sub-prime mortgages.

Hmmm… that was hard to follow, wasn’t it?  Let me try that again: “Sub-prime” is the moniker for a mortgage loan given to a buyer with poor credit.  The borrowers were charged higher interest rates to help off-set the risk (for the banks), but the rates were so high that it made it hard for the borrowers to make the payments, especially when the housing market went south.  Sub-prime mortgage bonds were created and sold, designed to pay bond-holders a higher-than-average rate of interest for accepting a higher chance that the borrowers will default.  CDOs—or Collateralized Debt Obligations—were used to group different “tranches” (bunches) of sub-prime mortgage bonds together.  The same firms who originated the loans created the bonds made up of the mortgages… then they created the CDOs made up of the bonds and sold “insurance” to the firms who purchased the CDOs in case the CDOs would lose money.  The insurance was termed a credit default swap.  So what happens when the borrowers walk away from the loans?  The bonds default and the CDOs tank, which require the firms who created all this stuff to pay the insurance benefits through the credit default swaps, but they don’t have any money left to pay!!  The financial crisis of 2008-2009.

Like I said, it’s complicated.  That’s why Lewis takes a whole book to explain it, and he does so masterfully.  He spent enough time as an insider to understand how the system works, but even more time off of Wall Street so he knows how to help us understand.  And instead of lecturing, he tells the story through the narrative of three different firms and their unlikely leaders who found a way to buy the insurance—or “short” the entire sub-prime mortgage market—without even owning the junk for which they were purchasing the insurance.  These guys are (or were) traders, and having spent 28 months of my professional life on a trading floor, I can confirm that their colorful vernacular is (unfortunately) the norm.  It’s more akin to a locker room environment than any professional realm you could imagine.  Lewis even tells us of the impact that navigating these waters had on the traders personally, on their families and friends.

It’s an ugly story, but it’s a vitally important one.  And if, like me, you decide to “read” the book via the CD series in your car, don’t forget to turn it off when you’re driving your kids!

Energized By Success, Depressed By Failure

Every year, we get a raft of marketing and motivational pitches to resolve to do something different or better in the New Year.  Frankly, I don’t need to hear that again.  (They’re probably just trying to sell me something anyway!)

Thankfully, my friend and co-author, Jim Stovall, one of the most highly sought after motivational speakers in the country, also isn’t comfortable with the same-old-same-old.  Here’s a guest post from Jim to start the New Year off right, in which Jim actually tells us precisely how and when we should ditch a resolution altogether!  Enjoy…

Ppc-seo-resolutions We are energized by success and depressed by failure.  Something as simple as having a daily list of tasks that are all marked out at the end of the day gives us a sense of accomplishment.  Having tasks that are not done, unresolved details, and looming commitments creates panic along with lack of focus and energy.  We can feel this ebb and flow day-to-day as we go through the routines of our personal and professional lives.  It’s harder to see the impact of these factors on a longer-term basis.

This time of year, you will be bombarded with countless advertisements and other messages encouraging you to make New Year’s resolutions.  I’m not opposed to the concept of New Year’s resolutions, as I applaud anyone making a positive commitment at any time; however, I do want to caution you regarding unresolved resolutions. 

If you find yourself being affected by the advertisements or myriad of messages telling you to make another New Year’s resolution this year, please be careful to not repeat the same resolution you’ve made for two years, five years, or even a decade or more.  This ongoing cycle of commitment and failure can be damaging to you.  Either you don’t take the commitment seriously, which impacts other commitments you make throughout the year, or you begin to see yourself as an ongoing failure. 

If you’re going to make a New Year’s resolution that you have made before, at least resolve this year that you are going to succeed or quit making the same resolution in the same way you have in the past.  A New Year’s resolution or any commitment you make to undertake a change in your life must belong to you, be realistic, and come with adequate rewards.

Too many people make a resolution because their spouse, boss, or friend thinks they should.  You cannot achieve success and maintain it if the goal belongs to someone else.  It is impossible to reach a goal that is not realistic in your own mind.  If the task seems too daunting, break it down into manageable parts and resolve to master the first hurdle.  Finally, whatever change you resolve to make must be worth whatever you give up to achieve and maintain the success you seek.  Any goal commands a price, and unless you’re prepared to pay the price to reach the top and keep paying the price to stay there, you would be better off to save your time, effort, energy, and talent to reach a goal that is worth the price it will require.

As you go through your day today and through this new year, resolve to make changes that matter to you, and join me in a New Year’s resolution to quit making resolutions that don’t matter to you and aren’t worth the price they require.

Today's the Day!

Jim Stovall

Author, Ultimate Productivity


Selfish Generosity

The-art-of-non-conformity-set-your-own-rules-live-the-life-you-want-and-change-the-world Chris Guillebeau is an interesting dude.  I had the chance to hang out with him recently when he was stopping in Baltimore on his book tour in support of his new book, The Art of Non-Conformity, and I interviewed Chris on the radio show, Money, Riches & Wealth.  In case you’ve never heard of Chris and require a little more buy-in to believe he’s worthy of the “interesting” label, my summary following should do the trick:

Chris quit high-school after his freshman year, got his GED, snuck into community college, finished hisundergrad degree in 2 years (your math is correct—at that point, he wouldn’t have even finished high school ordinarily), served with an aid organization in Africa for several years, came back to the states to complete grad school, began to blog, became a professional writer and then wrote a book including a chapter in which he calculates to the penny how he could’ve gotten more education for far less outside of grad school rather than in.

You might expect this rebel with a cause to be a loud, type-A, bull-in-a-china-shop sort, but I was somewhat surprised to learn he’s actually a soft-spoken introvert.  That hasn’t stopped him from communicating a truck-load of wisdom, certainly through his book, The Art of Non-Conformity, but even more so through his online presence (which you can enjoy at

And here’s the most interesting thing about Chris and his vision that separates him from the vast majority of vocational self-help voices:

He doesn’t think it’s all about YOU (or him or me).

Way too many books—most glaringly, The Secret—have attempted to make us followers by courting us with self-centric pronouncements that WE are each the center of a universe that is waiting to dutifully serve us all the success and money we could dream of if we simply dedicate our every thought and action to that “reality.”   Mr. Guillebeau, on the other hand, sends a strikingly non-hedonistic message.  Sure, he believes that we should be enjoying nearly every minute of our education and job, but instead of attracting us with visions of living endless hours with our toes in the sand and a fruity umbrella drink in hand, he encourages us to live a life filled with purpose and work that may be enriching, but definitely fulfilling.

He believes that in order for us to be entirely fulfilled with our life’s work, we need to be serving someone other than ourselves; that we—regardless of our age—must be building a legacy, not just an estate.  He calls it “selfish generosity.”  Doing something good for others that is also good for you.  If you struggle to believe that one can find financial stability, or even affluence, by pursuing a vocational course that doesn’t seek first and always to serve oneself, take a look at, well, Chris.  Or, have some fun learning about Blake Mycoskie, the young entrepreneur who started a phenomenally successful, for-profit shoe company—TOMS Shoes—on the premise that they would give away one pair of shoes for every pair sold. One-for-one.

Aw, I don’t know…the whole greed-centered focus worked out so well in the Great Recession, though! (Sorry, I’m obviously struggling with my 2010 New Year’s Resolution to avoid the use of sarcasm…)

Listen to just a few minutes of my interview with Chris Guillebeau on this topic by clicking here:


Chris Inteview



You Need To Know…It’s Wednesday (FRIDAY, actually)

Listen to Tim deliver this YNTK!  Click below:

You Need To Know -Wednesday



This audio essay was initially written and read two days ago—Wednesday—but it’s just as appropriate today!

YOU NEED TO KNOW… that it’s WEDNESDAY (FRIDAY, actually).

Yes, I know that this You Need To Know would appear self-evident, but after the Labor Day induced long weekend, you can’t deny that you’ve had the experience at least for a moment when you had to be reminded that, for all intents and purposes, you’re actually one day ahead of your week?  It’s happened to me a few times this week—most recently with a realization that woke me out of a groggy stupor in the shower this morning.  

When a realization like this hits us, it’s generally a good thing, because you’re basically ahead of the curve, especially if you look forward to your weekends.  What is not such a good feeling is waking up and being given a reminder that you’re behind the curve.  This happens to me occasionally when my four-year-old son plays a trick on me and messes with my alarm clock… the volume’s set too low and I slowly wake—feeling surprisingly refreshed for a mid-week morning—only to realize that I’m now running late. 

These momentary hiccups in our personal space time continuum are fleeting; they come and go and we get on with our life.  But through numerous—often self-preservative—acts of self-deception, events like these take place on a much bigger scale in our lives, and especially in our financial lives.  When we’ve planned properly in advance, a surprise hits and you may realize, “Wow, I’m better off than I expected!”  But often times, and especially in the midst of a tough recession, too many people seem to have one of those record-coming-to-a-screeching-halt-moments when it hits you that you’re underprepared, sometimes woefully so.  Maybe you realize that you simply followed the wrong career path and are now backed into a corner; or maybe you didn’t keep enough in emergency reserves so your job loss now means home foreclosure; or maybe you didn’t save enough and now your options for retirement are severely limited.  

These instances are not fleeting like the alarm clock or getting to the Wednesday [Friday] after Labor Day one day early—but they’re also not irrecoverable either.  And the first step is self-awareness or recognizing where you stand at the moment.  So whether you’re driving, sitting, standing or walking, consider this your wake-up call—your invitation to reality.  Ask some hard questions and know where you stand.  You’ll be glad you did… and that is something YOU NEED TO KNOW.

Vacation Blues in 90 Seconds or Less

I’m on vacation this week, so last week, my buddy and media mogul, the venerable, Ben Lewis, and I laid down a quick 90 second video blog to help you best enjoy YOUR summer vacation this year, and the next, and the year after that…  I hope you enjoy it!

Goatees and Bow Ties and Other Wall Street No-No’s

I’m sure you know that Wall Street and the financial services industry is filled with plenty of its own JARGON, but did you know that it also has its own DRESS CODE?  In this brand new video blog, I tell the story of how I was introduced to FINANCIAL FASHION and finish with some advice that should help you choose the right financial planner for YOU (all in about 3 minutes)!