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What Navy SEALs Can Teach Us About Uncertainty

  • July 15, 2020/
  • Posted By : admin/
  • 0 comments /
  • Under : Behavior, Best Practices, Live Well

We’re dealing with more uncertainty than most of us have ever faced before. And as the months drag on, the stress of not knowing what comes next is taking a toll.

How do we make smart decisions when we’re stressed out and everything is uncertain?

We made a quick video talking about what we can learn from how Navy SEALs deal with stress and uncertainty.

You can watch it here.

WATCH NOW

 

Stay strong,

Chris Mullis, Ph.D., CDFA®
Founding Partner

 


3 keys to success distilled from our 5,110-day journey

  • July 3, 2020/
  • Posted By : admin/
  • 0 comments /
  • Under : Live Well

 

I hope you’ll allow me to share something very special with you. Fourteen years ago today we launched our financial planning and wealth management practice framed upon three starkly beautiful motivations:

  • To do good
  • To do well by doing good
  • To be happy doing well by doing good

Helping families articulate, underwrite, and fully embrace their great lives is a profound mission that we take up with unyielding energy and commitment.

We are deeply grateful for all of the people who’ve helped us on our journey. From the early clients who trusted us from the get go to our friends and family who’ve lent their support in more ways than we can list here. We would not be where we are without each and every one of them.

It has been an exciting and educational arc of experience. As we look back, here are three essential lessons that we have learned:

  • Time is the key, not money.
    When we meet with prospective clients approaching retirement, universally they express regret that they didn’t get organized and motivated about finances until late in their professional lives. “I wish I would have found you 20 years ago” is the common refrain. Money is a commodity. Time is the precious resource.
  • Inertia is the enemy.
    “If you do the same thing you’ve always done, you will get the same thing you’ve always gotten.” Whatever path you are on, look up to the horizon to see where it leads. If you do not like where you are headed, you must pull up the stakes and change direction…NOW!
  • All successful investing is goal-focused and planning-driven.
    All failed investing is market-focused and performance-driven. All successful investors are continuously acting on a plan. All failed investors are continually reacting to the markets.

The bedrock of our enterprise remains, and will always be, the following:

Thoughtful planning and disciplined investing can be the keys that unlock incredible potential for the good of our clients, their families, and their cherished communities.

As we look forward to the decades to come of serving our clients and our community, know that we are constantly working to deliver superior financial outcomes and to see our clients live their best lives.

Thank you for allowing me to share this milestone and these thoughts with you. Here’s to your continued success!

With gratitude for the past and optimism for the future,

Chris Mullis, Ph.D., CDFA®
Founding Partner

What lessons will you take from this?

  • April 29, 2020/
  • Posted By : admin/
  • 0 comments /
  • Under : Behavior, Economy, Live Well

So much is unknown.

Do we reopen or wait?

Are we past the peak? Or just over the first summit of a mountain range?

Are we safe yet?

After weeks of restrictions, it’s easy to feel that we’re swirling in a maelstrom of uncertainty, helpless to make decisions when so much remains unknown and out of our control.

The uncertainty, the personal losses many have experienced, and the everyday challenges of socially distant life can shake our foundation and cause us to lose touch with what’s most important.

I think that’s normal. We’ve traded a trip on the highway for an off-roading adventure. And we don’t know where it’s going to take us this year.

So let’s lean into the uncertainty. Let’s embrace it and use it as a wake-up call to explore and appreciate what really matters.

Our health. Our family, friends, and loved ones. Our home. Our community. Our compassion and creativity. Our resilience as human beings.

As for me, I have some moments of frustration, but I’m staying grounded by playing outside with our kids and working in the yard.

I’m also learning a lot about myself. I’ve learned that I really enjoy sitting face-to-face in the same room with clients, friends, and colleagues. I’ve learned that I’m not “camera ready” for Zoom meetings nor remote TV interviews, but I’m humbly trying to get better.

I’m working on gratitude and enjoying simple things like dinner-time conversations, our weekly visit with my parents, and fresh air.

I’m grateful to have a wonderful family, a comfortable home (aka The Bunker) and deeply meaningful work.

I’m grateful to have you.

On the professional side, I’m focused on what we can control on our clients’ behalf and staying abreast of what might come next. Our mantra right now is: “one day at a time.”

How are you? I’d love to hear how you are coping. What lessons are you learning about yourself? What have you had the courage to try for the first time? Hit “reply” and let me know.

This pandemic is scary. But it’s also a once-in-a-lifetime chance to hit the “reset” button and connect with the creativity, joy, and good old human ingenuity that can flourish within the limitations of pandemic life.

Eventually, we’ll recover from the pandemic. It’s not clear yet what that will look like, and we’ll likely see more hard days before we get there. Businesses will reopen, people will go back to work, the recession will pass, and the country will rebuild.

We will heal. But some marks will remain as reminders of our experience.

The Great Depression taught people to clip coupons and “make do or go without.” 9/11 upended our travel rituals and awareness of terrorism.

Some lessons from the pandemic will stay with us long after the immediate crisis fades. Some will be unconscious; maybe we’ll become a society of dutiful hand washers and social distancers.

Others will be lessons we consciously take with us about our values and ability to adapt to circumstances far beyond our control.

I’m hopeful and excited to see what we learn. Let’s make it good.

How has the pandemic changed your perspective? What new values and priorities will you bring out of your experiences?  Email me at chrismullis@nstarcapital.com and let me know.

Be well,
Chris

 

Chris Mullis, Ph.D.
Founding Partner
NorthStar Capital Advisors
Financial Planning.
Wealth Management.
Since 2006

AskNorthStar.com
(704) 350-5028


P.S. Do you know someone who is having a hard time and could use some financial advice? We’re holding a few spots open for folks who could use a professional’s help. If you can think of someone, please reply to this email or call (704) 350-5028 to let me know.

P.P.S. And don’t forget about our special COVID-19 pro bono planning we created to support individuals and families who can’t afford fiduciary advice and financial planning.


Practical advice (and Frodo’s lesson)

  • April 16, 2020/
  • Posted By : admin/
  • 0 comments /
  • Under : Behavior, Best Practices, Economy, Fiduciary, Live Well, Personal Finance
Nerd alert ahead. Practical tips to follow.

I think it’s safe to say that 2020 is not turning out like any of us expected or hoped. When difficult times are upon us, it’s the most human thing of all to wish it had all happened differently (or to someone else).

There’s a quote from the last Mullis family movie night that sums up the feeling pretty well.

In Tolkien’s The Lord of the Rings, Frodo (the unlikely hero) must lead a small group to overcome an extraordinary threat to the world (sound familiar?).

When he despairs of the dangerous journey ahead of him, Gandalf (the wise wizard) responds with a valuable lesson:

“I wish it need not have happened in my time,” said Frodo. “So do I,” said Gandalf, “and so do all who live to see such times. But that is not for them to decide. All we have to decide is what to do with the time that is given us.”


Click to view
I feel like Frodo some days. Wishing I didn’t live in such times. Do you?

But here we are. All we can do is decide what to do with what we can control.

We are in uncharted waters and it’s increasingly clear that this is an economic downturn that could rival the Great Recession in its severity.

I don’t say this to be alarmist, but to share the information we’re using to plan for our clients and help you use it effectively. The labor market is giving us a near real-time view of how the coronavirus is affecting the economy, and we can see that more disruption is likely as businesses lay off workers.


Behind each point in this chart are actual people who have lost their jobs or seen their income cut dramatically. Like the folks at The Crunkleton who make the best Old Fashioned in Charlotte, and the owner of the lovely hotel we stay at in Honolulu when we visit old friends in Hawai’i, and the workers on the production line at Carrier Corp. manufacturing heating and air conditioning equipment here in Charlotte.

They’re all real people facing income shortfalls and dreams deferred. While the shutdown is necessary to stem the tide of infection, it’s really going to hurt.

Fortunately, there are signs that coronavirus-related legislation (like the CARES Act) will help blunt the worst effects by giving support where it’s needed. And I think it’s likely that further aid will follow once policymakers see the depth and breadth of the economic damage.1

Now on to the practical advice you can use (and share) right now.

More layoffs and furloughs are coming. If you think you might lose your job or face a reduction in income in your family, let’s plan ahead for it and revisit your emergency funds and cash flow. The CARES Act opened up some additional options that we can discuss together.

RMDs have been waived for 2020. If you don’t need the cash this year, consider skipping the distribution or turning it into a Roth Conversion. If you already took some or all of your 2020 RMD after February 1st, you may be able to return it to your account as a rollover through July 15th (as long as you didn’t complete another rollover within the last 12 months).2 There’s some fine print to this, so please reach out if you’d like guidance.

Tax and IRA contribution deadlines have been extended to July 15th. The IRS extended the 2019 tax filing deadline for any taxpayer who had to file by April 15th. The extension also covers 2019 IRA contributions.3 Very important: if you’ll be making a last-minute 2019 contribution on your own, make sure the check or deposit is clearly marked 2019 to avoid an administrative error.

Stimulus checks will start arriving soon. If you had direct deposit information on your last tax filing, the IRS should send your check to your account. If you didn’t (or the account is closed), the check would go to the address the IRS has on file for you.

Small business owners should act fast on loans. The Paycheck Protection Program is offering forgivable, collateral-free loans through June 30, but the money is going quickly. SBA Express Loans and Economic Injury Disaster Loans are also options to consider.4 Though it’s not yet clear how long it will take to actually receive the loan funds, it’s smart to get your paperwork together and file quickly. Please reach out if you need help reviewing your options.

Some student loans can be deferred. Under the CARES Act, no payments are due on federally held loans through September 30th, and no interest will accrue. Unfortunately, private student loans (or those held by a lender other than the Department of Education) are not currently eligible.5 Very important: we’re seeing mixed information on whether payments will pause automatically, so check in with your servicer.

You could get more from Medicare. Medicare has made some important updates to its coverage due to the crisis. Telehealth benefits are expanded, so you may be able to see your doctors over the phone or online. Many plans have relaxed their definition of “in-network” providers, so it’s worth checking with your plan. Part D recipients can now request 90-day supplies of medication instead of the usual 30-day supply to help avoid trips to the pharmacy.6

We can’t control what happens next, but we can control some things: our choices, our behavior, and our mindset.

I’m no Gandalf, but I hope we can help lighten your load in these troubling times. I don’t know what the coming weeks and months will bring, but I do know this: we’re in it together. And we’ll get through it together.

If you’d like help acting on any of the tips above, or just want to talk through some strategic moves, please reach out. We’re here.

Be well,
Chris

 

Chris Mullis, Ph.D.
Founding Partner
NorthStar Capital Advisors

Financial Planning.
Wealth Management.
Since 2006

AskNorthStar.com
(704) 350-5028

1https://www.foxbusiness.com/economy/coronavirus-stimulus-cares-act-economic-impact

2https://www.financial-planning.com/news/cares-act-tax-relief-as-irs-says-some-rmds-can-be-undone

3https://www.schwab.com/resource-center/insights/content/tax-deadlines-extended-due-to-coronavirus

4https://www.sba.gov/funding-programs/loans/coronavirus-relief-options

5https://www.natlawreview.com/article/cares-act-relief-borrowers-eligible-federal-student-loans

6https://www.nytimes.com/2020/03/24/business/coronavirus-medicare-elderly.html

Chart source: https://www.cnbc.com/2020/04/03/this-chart-shows-which-industries-saw-big-job-losses-in-march-2020.html
https://www.epi.org/blog/nearly-20-million-jobs-lost-by-july-due-to-the-coronavirus/

 

This is why I’m an optimist

  • April 9, 2020/
  • Posted By : admin/
  • 0 comments /
  • Under : Behavior, Best Practices, Economy, Live Well, Market Outlook, Seeking Prudent Advice

“The toilet paper had armed guards.”

“We celebrated my birthday with a dinner party over Zoom.”

“My officemate jumped on my desk and drooled on my keyboard during a meeting.”

One day, we’ll look back on these strange days and tell stories about the COVID-19 pandemic of 2020.

But right now, we’re getting through it. One day at a time.

How are you doing? What stories can you share with me about your life right now? Email me at chrismullis@nstarcapital.com and tell me. I’d love to hear about them.

In difficult times, it’s easy to think we are alone. Especially when our loved ones and support system are far away or reduced to virtual connections.

We are all learning how to adjust to a new world and stay grounded when headlines are blaring and our very health and well-being are under threat.

I’m working on being grateful for the great things in this life.

I’m grateful for my wife.

I’m grateful for our children.

I’m grateful for our family, friends, and neighbors.

I’m grateful for work that allows me to help people in my community get through times like these.

I’m grateful for you.

What are you grateful for?

Like WWII and 9/11, we’re living through days that will define future generations and change the very fabric of our society.

I don’t envy the policymakers making grim trade-offs between life, death, and the economy. How long do we socially distance? What about the 10 million+ who have lost jobs?1 Or the businesses that have been forced to close?

I hope with all my heart that each one of them has a financial plan and someone they can go to for advice. But my head knows better. I know that most Americans can’t survive a $1,000 emergency and only 17% have a financial adviser to help them.2

What trade-offs are we willing to make to protect those at greatest risk from the disease? We can’t put a dollar figure on human life. But we can put a dollar figure on the human cost of jobs lost and businesses closed.

The next few weeks are going to be tough for all of us. And I want you to know that I’m here for you.

Layoffs and furloughs are happening and I’m helping affected clients create a game plan to get through the next few months. If this happens to you or someone you love, please let me know immediately so I can help you determine if you’re eligible for special assistance. And, also please remember our COVID-19 pro bono program that we’ve launched to serve people who don’t normally have access to fiduciary advice.

How do we make good decisions with so much uncertainty and mixed information?

We make a choice:

We can choose to crumble under the weight of fear and uncertainty…

We can choose to simply hunker down and endure…

We can choose to grow, flourish, and come out stronger on the other side. We can be grateful for our blessings and focus on what’s within our control: our mindset, our behavior, and the actions we take.

I am fundamentally optimistic about humankind’s ability to weather this crisis and use it to grow.

I’m optimistic about how our society will adapt and change due to this crisis. Some of the greatest changes and innovations in history grew out of frightening, pessimistic times.

I’m optimistic about the heroes fighting the disease on the front lines.

I’m optimistic about the people helping friends, neighbors, and strangers stay safe and comfortable.

I’m optimistic that those with jobs will continue working to keep this country going while we wait and heal.

I’m optimistic about the innovators staying up late in labs, workshops, factories, and offices around the world to create vaccines, treatments, and tools to beat the virus.

I’m optimistic about the new inventions and technologies that will grow out of necessity.

I don’t know what challenges the world will throw at us in the coming days and weeks. I do know that I am grateful to be surrounded by smart, motivated people who push me to do better.

How can you show up for the people around you? How can you be your best self in these times?

How can I help you do it? Email or call and let me know.

Be safe and be well,
Chris

Chris Mullis, Ph.D.
Founding Partner
NorthStar Capital Advisors
Financial Planning.
Wealth Management.
Since 2006

AskNorthStar.com
(704) 350-5028

1https://www.marketwatch.com/story/the-us-officially-lost-701000-jobs-in-march-but-in-reality-millions-vanished-2020-04-03

2https://www.bankrate.com/banking/savings/financial-security-january-2019/
https://www.cnbc.com/2019/04/01/when-it-comes-to-their-financial-future-most-americans-are-winging-it.html

 

Happy Money: The Science of Smarter Spending

  • September 7, 2018/
  • Posted By : admin/
  • 0 comments /
  • Under : Live Well

happy-moneyIf you think money can’t buy happiness, you’re not spending it right. Two rising stars in behavioral science explain how money can buy happiness—if you follow five core principles of smarter spending:

1. Buy Experiences
2. Make it a Treat
3. Buy Time
4. Pay Now, Consume Later
5. Invest in Others

 

“Buy Experiences” essentially means to spend money on memorable experiences instead of expensive toys, because you are able to relate to those experiences on an emotional level for much longer than with objects.

“Make It A Treat” focuses on the concept of over-consumption creating a weakening of the enjoyment factor. If you have something every day, even if it’s something you love, it becomes routine rather than fully enjoyable.

“Buy Time”: The idea that you make life decisions that allow you to have more free time. Suggestions include outsourcing unnecessary tasks.

“Pay Now, Consume Later” is a fascinating concept. In society today, we’re more apt to do the reverse, thanks to credit cards. Essentially, it’s sort of like half the fun of a road trip is getting there. When consummation is delayed, from something as simple as eating candy to attending an event, the enjoyment is increased. When something’s already paid for, if enough time passes, it seems “free” when it’s actually consumed.

“Invest In Others” hits on how donating or spending money on others feels better than buying things for yourself.

Happy Money (by Elizabeth Dunn and Michael Norton) offers a tour of new research on the science of spending. Most people recognize that they need professional advice on how to earn, save, and invest their money. When it comes to spending that money, most people just follow their intuitions. But scientific research shows that those intuitions are often wrong.

Happy Money explains why you can get more happiness for your money by following five principles, from choosing experiences over stuff to spending money on others. And the five principles can be used not only by individuals, but by companies seeking to create happier employees and provide “happier products” to their customers.

By the end of this book, readers will ask themselves one simple question whenever they reach for their wallets: Am I getting the biggest happiness bang for my buck?


What You Should Focus On

  • August 31, 2018/
  • Posted By : admin/
  • 0 comments /
  • Under : Best Practices, Financial Planning, Live Well

What-you-should-focus-on-1200x914We all want to live a great life.  The path to achieve that life relies, in part, on knowing what to focus on and what to ignore.  Focusing on the things you can’t control is a waste: a waste of time, energy, and often, money.  Here’s a list of things that matter, things you can control, and the things you should focus on.

Things that matter:

  • Health
  • Human progress
  • Long-term market returns

Things that you can control:

  • How you treat people
  • Feeling good about yourself
  • Making smart financial decisions

What you should focus on:

  • Living a happy, productive life
  • Surrounding yourself with good people
  • Not letting a long-term plan be derailed by the current market environment

 

Source: Carl Richards, Michael Batick


8 Ways to Live Well in Your Middle Years

  • July 13, 2018/
  • Posted By : admin/
  • 0 comments /
  • Under : Live Well

life-reimagedOur mantra at NorthStar Capital Advisors is Plan Well. Invest Well. Live Well.

Here are eight terrific insights on how to live well in your middle years distilled from former NPR reporter Barbara Bradley Hagerty’s new book, Life Reimagined – The Science, Art, and Opportunity of Midlife.

1. Aim for long-term meaning rather than short-term happiness, and you will likely find both
Aristotle suggested as much when he talked about eudaemonia, or the good life: striving with a purpose — raising terrific children, training for a marathon — rather than setting your sights on immediate pleasures, such as enjoying a good meal or a day at the beach. It’s also the best thing you can do for your mind and your health.

2. Choose what matters most
Clayton Christensen at Harvard Business School describes the eroding effect of short-term decisions — specifically, doing the activity that brings you immediate gratification (such as work) and putting off harder but ultimately more fulfilling activities (such as investing in your marriage and children).

3. Lean into fear, not boredom
Most of us become competent at our work by our 40s, and then we have a choice: Play it safe or take a risk. Howard Stevenson, also a professor (emeritus) at Harvard Business School, believes the greatest source of unhappiness in work is risk aversion — which leads to stagnation and resentment. “Ask yourself regularly: How will I use these glorious days left to me for the best purpose?”

4. “At every stage of life, you should be a rookie at something”
This insight comes from Chris Dionigi, a Ph.D. in “weed science” and the deputy director of the National Invasive Species Council (that kind of weed). He believes trying new things and failing keeps you robust.  Always have something new and challenging in your life, he says, “and if that something is of service to people and things you care about, you can lead an extraordinary life.”

5. Add punctuation to your life
Young adulthood offers plenty of milestones: graduating from college, starting a career, getting married, having your first child. But Catharine Utzschneider, a professor at the Boston College Sports Leadership Center who trains elite middle-aged athletes, says midlife is like “a book without any structure, without sentences, periods, commas, paragraphs, chapters, with no punctuation. Goals force us to think deliberately.”

6. A few setbacks are just what the doctor ordered
Bad events seem to cluster in midlife — losing a spouse, a marriage, a parent, your job, your perfect health. But people with charmed lives — zero traumas — were unhappier and more easily distressed than people who had suffered a few negative events in their lifetime. According to resilience research, some setbacks give you perspective and help you bounce back.

7. Pay attention: Two of the biggest threats to a seasoned marriage are boredom and mutual neglect
The brain loves novelty, and love researchers say a sure way to revive a marriage on autopilot, at least temporarily, is to mix things up a bit. Go hiking, take a trip to an undiscovered land.

8. Happiness is love. Full stop
This observed wisdom comes from George Vaillant, a psychiatrist and researcher who directed Harvard’s Study of Adult Development for several decades. Vaillant found that the secret to a successful and happy life is not biology. It is not genes. It is not social privilege or education. It is not IQ or even family upbringing. The secret to thriving is warm relationships. Oh, then there’s this happy coda: Second chances present themselves all the time, if you’ll only keep your eyes open.

Source: NPR


Thank You for 12 Years!

  • July 3, 2018/
  • Posted By : admin/
  • 0 comments /
  • Under : Live Well, Seeking Prudent Advice

Twelve years ago today we launched our financial advisory practice framed upon three starkly beautiful motivations:

  • To do good
  • To do well by doing good
  • To be happy doing well by doing good

Helping families articulate, plan out, and live their great lives is a noble mission that we take up with unyielding energy and commitment.

Stars pivot around the North Star above Maunakea Observatory, Hawai’i

We would like to take this opportunity to thank all of you who’ve helped us on our journey. From the early clients who trusted us from the get go to our friends and family who’ve lent their support in more ways than we can list here. We would not be where we are without each and every one of you.

It has been an exciting and educational journey. As we look back, here are a few things we have learned.

  • Time is the key, not money. When we meet with prospective clients approaching retirement, universally they express regret that they didn’t get organized and motivated about finances until late in their professional lives. “I wish I would have found you 20 years ago” is the common refrain. Money is a commodity. Time is the precious resource.
  • Inertia is the enemy. “If you do the same thing you’ve always done, you will get the same thing you’ve always gotten.” Whatever path you are on, look up to the horizon to see where it leads. If you do not like where you are headed, you must pull up the stakes and change direction…NOW!
  • All successful investing is goal-focused and planning-driven. All failed investing is market-focused and performance-driven. All successful investors are continuously acting on a plan. All failed investors are continually reacting to the markets.

As we look forward to the next few decades of serving our clients and our community, know that we are constantly working to provide a superior client experience. It’s our firm conviction that planning can be the key that unlocks incredible potential for the good of our clients, their families, and their communities.

We look forward to all the future has in store.

With heartfelt gratitude,

Chris Mullis, Ph.D.
on behalf of the NorthStar team


How to Succeed and have a Long and Happy Life

  • May 4, 2018/
  • Posted By : admin/
  • 0 comments /
  • Under : Best Practices, Live Well

Legendary banker Richard Jenrette passed away last week at the age of 89.  In his desk he left a hand-written note listing his 24 rules to succeed in finance and life.  The note titled, “What I Learned (How to Succeed and have a Long and Happy Life),” was shared at his memorial service in Charleston, SC:

  • Stay in the game. That’s often all you need to do – don’t quit. Stick around! Don’t be a quitter!
  • Don’t burn bridges (behind you)
  • Remember – Life has no blessing like a good friend!
  • You can’t get enough of them
  • Don’t leave old friends behind – you may need them
  • Try to be nice and say “thank you” a lot!
  • Stay informed/KEEP LEARNING!
  • Study — Stay Educated. Do Your Home Work!! Keep learning!
  • Cultivate friends of all ages – especially younger
  • Run Scared — over-prepare
  • Be proud — no Uriah Heep for you! But not conceited. Know your own worth.
  • Plan ahead but be prepared to allow when opportunity presents itself.
  • Turn Problems into Opportunities. Very often it can be done. Problems create opportunities for change — people willing to consider change when there are problems.
  • Present yourself well. Clean, clean-shaven, dress “classically” to age. Beware style, trends. Look for charm. Good grammar. Don’t swear so much — it’s not cute.
  • But be open to change — don’t be stuck in mud. Be willing to consider what’s new but don’t blindly follow it. USE YOUR HEAD – COMMON SENSE.
  • Have some fun – but not all the time!
  • Be on the side of the Angels. Wear the White Hat.
  • Have a fall-back position. Heir and the spare. Don’t leave all your money in one place.
  • Learn a foreign language.
  • Travel a lot — around the world, if possible.
  • Don’t criticize someone in front of others.
  • Don’t forget to praise a job well done (but don’t praise a poor job)
  • I don’t like to lose — but don’t be a poor loser if you do.
  • It helps to have someone to love who loves you (not just sex).
  • Keep your standards high in all you do.
  • Look for the big picture but don’t forget the small details.

This is good advice for anyone!

Source: Bloomberg

 


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ABOUT US

We are a fee-only, independent fiduciary advisor. Our allegiance rests solely with our clients and their best interests. We are headquartered in Charlotte, North Carolina and serve client families across the nation.



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  • 521 East Blvd, Charlotte, NC 28203
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FROM OUR BLOG
  • Markets at All-Time Highs: What Should You Do Now? July 1,2025
  • Thoughts on the shifting housing market June 5,2025
  • The patience premium: What market history teaches us May 1,2025
Nothing on this website constitutes either the provision of investment advice or solicitation to provide investment advice.
Investment advice can only be provided through a formal investment advisory relationship.