Dealing with people’s money, like running a restaurant, provides a unique insight into human nature. I wrote about this for several years in a monthly column, NOTES FROM A FINANCIAL PLANNER, published by The Real Estate Magazine. In those years I was constrained by the legal requirements of my profession. Here you will get the unconstrained version. I hosted a financial talk show, MONEY TALKS, on KMFB, a Mendocino radio station. Some of those shows were taped and you might find a few clips posted on this site. Anything and everything having to do with money is fair game. Stay tuned!

Tough Love

  The stories I will tell now are true or mostly true.  I’ve changed the names and taken some liberty with the details.  There are things you need to know.  It isn’t easy to tell anyone that they are living in an illusion, that they have unrealistic expectations,... read more

Funny Money

  Financial advisors would have you believe they inhabit an arcane world of alphas and betas and that they and they alone can navigate the mysteries of modern portfolio theory.  The reality is a bit different.  Let me tell you about an average day in the life of... read more


[click on blue links for further information] Dickens Quotes courtesy of The Telegraph   “Annual income twenty pounds, annual expenditure nineteen [pounds] nineteen [shillings] and six [pence], result happiness. Annual income twenty pounds, annual... read more

What I’m Reading November 22, 2016

The following links provide information from third party sources.  They do not represent the views of Think in the Morning.  What I’m Reading provides a variety of opinions on important matters of interest to normal and abnormal people who are willing and able... read more

What I’m Reading September 25, 2016

Why Blog ? The Benefits of Writing by Ben Carlson Jennifer Egan on Writing, the Trap of Approval, and the Most Important Discipline for Aspiring Writers Money Thoughts Reckoning Comes for U.S. Pension Funds as Investment Returns Lag The Pension Gap Inequality is... read more

A House Divided

“It was the best of times, it was the worst of times, it was the age of wisdom, it was the age of foolishness, it was the epoch of belief, it was the epoch of incredulity, it was the season of Light, it was the season of Darkness, it was the spring of hope, it... read more

The Trickster: Clifford Irving in Oaxaca

It was Mark Twain who said “truth is stranger than fiction, but it is because fiction is obliged to stick to possibilities; truth isn’t.”  Mark Twain could have been speaking about Clifford Irving’s Howard Hughes hoax that’s based on a true adventure.  Anyone... read more

What I’m Reading July 25th

“Presume at every turn, the market is out to get you.  I’m not being paranoid—it’s true.  I don’t call the market the Great Humiliator (TGH) for nothing.  Think of it as a dangerous predatory, living, instinctual beast doing anything and everything to abjectly... read more

Gurus and Geeks

[First published in the Real Estate Magazine, April 1998, revised 2016]   I obtained the following definitions from the American Heritage Dictionary: GEEK:  A carnival performer whose act usually consists of biting the head off a live chicken or snake. GURU:  A... read more


“My predominant feeling is one of gratitude. I have loved and been loved. I have been given much and I have given something in return. Above all, I have been a sentient being, a thinking animal, on this beautiful planet, and that in itself has been an enormous... read more

Steps to Security

  I recently read The Secret Shame of Middle-Class Americans by Neal Gabler.  As someone who has worked for thirty years as a financial adviser, reading the article was both sobering and painful.  It was sobering because it gets to the root of the angst in... read more