When you have children or grandchildren, your first thought is often, "How do I give them the world?"  But the second may be, "How do I raise good, kind, generous people—the opposite of spoiled?"  They can coexist, but what is the answer?  I am definitely new here with 5-year-old twins and a 2 year old, but for those that are experienced and now have grandkids, I hope these are some good things to teach.  Mine may not grasp it now, but one day (crossing fingers), some of it may sink in.

When it comes to document retention, it is easy to get overwhelmed figuring out what to keep and what to discard.  Often, we resort to keeping EVERYTHING. But in this digital age, with online statement and document retrieval, what we need to keep on hand has decreased considerably.  To get you started on the process of clearing out those filing cabinets, we have put together some general guidelines.

Many of you may know that I finished school with a degree in engineering. Chemical Engineering to be exact.  The type of personality that might be attracted to the engineering sciences most often has a data-driven, problem-solving mindset.  Overly touchy-feeling emotional types need not apply.