December 15, 2017 It’s been 6 years, I think I am finally ready to share.
My father kept an ongoing Christmas list of sorts in his briefcase: What Money Can’t Buy was published several times.
Here it is, long but worth the read on what to focus on that is truly important.
- Buy whatever kids are selling in their front yards.
- Smile a lot; it costs nothing and is beyond price.
- Become someone’s hero.
- Marry only for love.
- Count your blessings.
- Cherish your children for what they are, not what you would like them to be.
- Give people the benefit of the doubt.
- Watch for big problems; they disguise big opportunities.
- Take a kid to the zoo.
- Don’t miss the magic.
- Don’t use time or words carelessly; they can never be retrieved.
- Don’t be afraid to say I’m sorry.
- Never underestimate the power of a kind word.
- Laugh a lot. Say “please” a lot. Say “thank you” a lot.
- Be silly.
- Sing with children.
- Listen to children.
- Take the scenic route.
- Every day, look for some small way to improve someone’s life.
- Be there when you are needed.
- Never waste an opportunity to tell someone you love them.
- Don’t expect life to be free.
- Lie on your back and look up at the stars.
- Be modest, a lot was accomplished before you were born.
- Take good care of those you love.
- Watch It’s a Wonderful Life every Christmas
- Keep your promises.
- Don’t major in minor things.
- Become the most positive and enthusiastic person you know.
- Be romantic.
- Be kinder than necessary.
- Play with children.
- Smell the roses.
Thank you Dad. You were truly one of a kind and are missed.
Happy Holidays to all. Hugs from Konni of KMH Unlimited and the Rockleigh Equestrian Centre.
7/23/2017 Remember your first day?
Chad Boyle shares his story:
When Konni asked me to share something regarding my disease, MS, I decided to start from day 1. Now I am sitting here with tears running down my cheeks because I remember that first day and first month so well, when I was first diagnosed with MS. When I was diagnosed I was happy and sad. Happy you say? Finally, I knew that there was something wrong with me , not just in my mind and THAT made me happy. It had a name and THAT made me happy, but it ended there. That day changed my life forever and I was the biggest negative SOB that NOBODY wanted to be around. Anger every day at everything. What did I have to look forward to? I felt sad, mad, frustrated, the not knowing part, why me – many more reasons to be all of those things than happy. Then something even bigger changed in my life….
Over the years I have learned how to handle what lies ahead; the different medications, symptoms that come and go, the looks people give you, all with hope and a positive attitude, it was not an easy road! Let’s share the stories! Let’s be mad, yell, cry, smile, laugh and be stronger together! I will lead the way! Hear Chad’s story and learn his tools to stay positive, how to dig deep, how to have hope and to just BE YOU when facing MS!
6/19/2017 “Don’t be a fool, stay in school”…….but don’t pay for it yourself!
John Graham shares his insights:
I recently had the pleasure of meeting with a group of very bright students at the National Association for Campus Activities (NACA) at their national convention in Baltimore this spring. I asked them, what scares them the most about graduating soon? One of the students told me that he really wants to get his MBA but has no money to pay for it. I replied, you don’t have to pay for it. Get someone else to pay for it, I did. He looked at me like I had two heads. I explained to them that I specifically picked a company to work for that, as part of their benefits package, has a tuition reimbursement program. Companies will do that, he asked. Yes they will! Hear his full story to give you the insights as to how to position yourself!
6/4/2017 What a Privilege, Thank You Johns Hopkins and Chad Boyle!
I had the by chance opportunity to sit in on one of my speakers, Chad Boyle’s, assistance in the Neurology Skills Session last Friday at Johns Hopkins. Small groups of students came into a room to interview the patient, and “guess” what his disease is. Each group was led by a doctor as they went through a physical exam and conversation. The information deemed during those sessions was invaluable! Not only was I able to observe Chad interact with students, but the questions students asked clarified what topic(s) we need to focus on when he gets in front of those med student audiences! Thank you and congratulations Chad!
5/28-29 Thank You
Thank you all, including the families, who served and sacrificed for our country and our freedom. God Bless.
5/22/2017 Moving forward…. Go Big or Go Home!
KMH Unlimited would like to congratulate one of its speakers, Chad Boyle for his research assistance at Johns Hopkins in Baltimore, MD. last Friday. His charm, humor, candor and compassion made him a big hit speaking with first year medical students! Congratulations Chad!
4/17/2017 Athlete Video: Interpreting the Financial Lingo
2/22/2017 BIG NEWS!! We are growing!
KMH Unlimited is proud to welcome 2 new speakers to our stage!
Chad Boyle shares his story of challenge and triumph living with MS and his courage to give the experimental treatments a try. His story will make you smile, put your hand on your heart and just……go for it! He will inspire you!
John Graham has a passion for success. His life experience and frustrations in the corporate setting have given him a mission; to educate the workforce on how to succeed at the most important job – being you!
I do hope everyone had a happy and safe holiday season! *This includes all ethnic groups, religious groups, genders, and sexual preferences to stay politically correct of course. Oh God I do hope I did not forget anyone.
With the hustle and bustles of the holiday season over, it is back to 5 day work weeks, client strategy planning and gathering tax docs. First project of 2017 and I have a need to vent! I have a client who has been with a certain firm for 15 years. The firm has merged with another ’boutique’ financial firm in the not too distant past. All the client wants to do is liquidate a fairly substantial amount of his precious metal holdings and have a check sent to him. It is my job to get this done for my client.
Hurdle #1) Said (original) firm no longer does this for the account holder so account holder must find a new middleman. Oh no firm can’t give any referrals!
Hurdle #2) Open new account with middleman that will act as a “pass through” account to do transactions. Oh and they need a new POA from client so they, middleman(s), can talk to me even though they have a direct relationship with original Said firm! Client not happy….and getting grumpy. Ta da all done! Assets sold proceeds go back to original Said firm from middleman.
Hurdle #3 Getting client his proceeds. Which form which form??!! Are you kidding….Said (original) firm says…well, we no longer offer that type of account that you have had with us for 15 years so we have to finagle an IRA Distribution form to get his money out of an account that he has had for well over a decade…that is NOT AN IRA! We started this project on Jan. 3, 2017 and…we’re not done yet!
My question(s): Is there a firm out there that truly wants their clients to understand all this financial lingo? Where is a firm that problem solves for clients who just want what is already theirs? Is there one? Do they need someone who is really good at it? Call me @ 518-221-2806
10/20/2016 A Clinch for the Presidency
If Donald Trump wants to win the presidency he needs to simply say 3 sentences over and over again:
- I will push for term limits!
- Politicians should not be paid by taxpayer money until the day they die!
- Politicians should be required to live by the laws and regulations that the rest of Americans do, including Health Insurance!
Hilary Clinton can’t say any of those 3 statements. Game OVER!!
10/4/2016 Holy Cats It’s Been a While…Now on to Politics!
Well here we are at the tail end of the presidential campaign! Debates are rolling, mud is slinging and the politicians are politicking!! Oh uhg! You can say whatever you wish about the candidates, be for or against and argue your opinion. What I find the most ridiculous, outrageous and stomach turning is when the career politicians take the mic and proclaim that they do their best to pay their fair share of taxes!! Run people because lightning is on the way!! Politicians don’t pay their fair share of ANYTHING!
5/26/2016 Thank You
KMH Unlimited would like to thank all of our Military men and women for all you do, the families and fallen for their sacrifices. God Bless.
2/1/2016 Analysts Best Picks
I was asked to give a blog with some “meat” in it, here you go!
Why I like Raymond James’ Analysts Best Picks: Performance Record
Performance : Best Picks List S&P 500 Excess Return Calendar Year
2015 7.9% 1.0% 6.9% 5.6%
5 Yr. Ave. 16.0 15.2 0.8 10.8
10 Yr. Ave. 17.5 11.1 6.4 11.6
20 Yr. Ave. 29.4 11.5 17.9 20.8
The Analysts Best Picks list comes out annually in December. There are December notes, January notes, and individual stock purchases available. For more information on how to get involved with an actively managed basket of stocks that consistently out performs, contact me.
1/17/2016 Emotional Decisions
Last week was another sell off on Wall Street. The Dow has now lost over 8% since the start of 2016. 401ks are losing money. In the WSJ this weekend there are all kinds of reasons why the markets are dropping. You are hearing everything from “It’s China’s fault!” to “It’s the oil prices fault!” the simple fact of the matter is that it is a scary time and what can we do? I am not going to tell you to have the conversation because you know that already. What I am going to tell you is that when it comes to money, people are emotional, YOU are emotional. News flash….That’s ok! You are going to feel what you feel the trick is what to do with that. My advice is to have that conversation with your advisor (I couldn’t stop myself) and breathe, look at your statements and think about renegotiating those fees. Just a thought.
1/10/2016 What a start to 2016.
The first week of 2016 has generated very unsavory results in the markets. The Dow Jones Industrial Average lost 6.2%, the S&P 500 lost 6% and the Nasdaq Composite lost 7.3%. In dollar terms, US Stocks lost $1.36 TRILLION in value! A staggering number and the worst start EVER for a new year. Is the bull market dead? What does that mean? There are many industry gurus out there that believe that the bull market that has been running for 83 months, 33 months past the average length for a bull market. The nowhere to go but up is over. With changing conditions there is also opportunity. Talk to your Financial Advisors, look carefully at your time horizons, be vigilant and don’t make decisions that will give you a stomach ache! Remember, I am always available if you have questions.
1/4/2016 It’s tax time!
Well, the holidays have come and gone. I do hope everyone had a fabulous holiday season! Now it’s tax time. Make sure you have all your documents in order. If you have investments, and you are looking at a write off or some other tax benefit, double check the dates. Trade date or settle date, 2015 or 2016. Have you earned income in more than 1 state, which states do you file in? Every state has different tax laws. Work with a CPA that communicates with you and your financial team!
12/27/2015 Welcome 2016!
12/20/2015 It’s Christmas Time!!
12/13/2015 Interest Rates…will they or won’t they raise them?
We have come to a crossroads with the Fed, will they raise interest rates or won’t they? The general consensus is that they have to because they have been talking about doing it for almost a year now. There is also talk that it is already priced into the market. Is it? Have you had the conversation with your financial advisors regarding the affects of raising interest rates on your portfolio? Do you know how to start that conversation? Call me or have that conversation Monday or Tuesday!
This week brought terror back to our shores. The act of terror in San Bernardino, California has brought many old political battles to the fore front. Fear is very real but I am not here to talk politics. What about your investment strategy? Goldman Sachs has been increasing cash positions, BlackRock has been cutting back on their US equity exposure, I am getting phone calls about gold… This tells me there is fear in the financial industry and fear among investors. Have a REAL conversation with your financial professionals! Not just because it is year end, but because the environment is changing and now it’s not just “over there”, it’s here! If you need advise on how to have, or even start, that conversation, call me it’s important!
11/29/2015 The Holiday Shopping Season Has Begun!
Let’s see, what financial item can we shop for? Well, I read an article in the WSJ and it mentioned that “last week the Labor Department issued guidelines to clear the thicket for states to establish government retirement plans for workers in the private economy.” What does that mean? That means that “the White House is now waiving federal law to enable states to create new taxpayer-guaranteed retirement benefits”. Uhg! The best gift to give yourself is a retirement vehicle that is appropriate for you and your family. There are hundreds of different retirement vehicles with subtle differences. Make sure you are working with a financial expert who keeps up with, and communicates to you, your best options in retirement planning as your career evolves. Otherwise you might just be footing the bill for your next door neighbors retirement!
11/22/2015 Happy Thanksgiving and more!
Copycat Stock Picker, Crummy Trusts, BlackRock, Futures, FINRA, forecasted returns, analysts estimates, cautiously optimistic…….what do these mean?
Now I ask you; How may stocks are in the DJIA? Are you comfortable with limited downside risk? How about short term increased volatility? Are all Bonds the same? Do you have to pay taxes in every state you work? Why do FAs like mutual funds so much? Bubbles?? Sector vs asset class what is the difference? Would you rather rely on an estimate or an adjusted number?
All these terms and phrases are used frequently in the financial industry. Knowledge is power and trust who you are talking to!
Have a Happy Thanksgiving!
11/9/2015 Health Insurance
I was talking with a client this morning and her frustration was palpable with finding health insurance. The company she has been working with is no longer going to be offered in her state of residence as a tax credit. Now she has to find viable health insurance….again! Why aren’t the presidential candidates addressing this? Why is middle class america not asking the questions when it comes to these debates?! Just sayin’…….
11/3/2015 A Big Weekend!
What a fabulous Breeders Cup! Congratulations to all!
I am in the financial business. I was a licensed professional for over 16 years in securities and insurance. I have launched an index fund, done admin and compliance, worked with individuals and financial firms directly. The financial industry is important, people need to or need help with, managing their money. KMH Unlimited is focused on interpreting the financial language, a referral source and advocate for its clients.
I googled companies that focus on financial education, do you know what I found? Organizations where firms, yes financial firms, can pay a fee and these organizations will put groups together for them to present too. That’s almost as bad as paying a common industry newspaper to put your name in the top 100 FAs!! Is there anybody out there that truly works for the client? One that is open, objective with no conflict of interest? Besides KMH Unlimited?? Where are you?
I will keep looking and keep you posted!
9/28/2015 Now what?
Market volatility has slowed, the Fed did not raise rates, the presidential candidates are starting to talk about plans if they are elected….. Have you heard from your financial professionals, your team? What does all this mean for your financial future? It’s your money so get answers to your questions and concerns.
8/20/2015 Sell offs
The stock market is taking short, sometimes daily nose dives. make sure your stops are in place as this is not likely to go away any time soon…..according to the industry rags I read. Be careful out there!!
7/20/2015 Bloomberg Morgan Stanley Interview
I saw an interview today on Bloomberg with Morgan Stanley, they were discussing interest rates. Morgan’s main point was that the rise in interest rates, targeted for September, was it would increase THEIR bottom line!! True as that may be, why was the focus not on clients??!! There is a reason for the reputation that the financial industry has! Get educated, call me for the tools to have that financial conversation with YOUR advisor.
7/13/2015 Greece gets an agreement!
Greece has been playing fast and loose for years and once again there has been an “agreement”. The US is doing the same thing as is many other countries, what does that mean? When will the piper start playing or worse, will it go directly to the fat lady singing? Thoughts?
7/7/2015 Way to go ladies!!
Congratulations to the women’s soccer team and soccer fans!! Now let’s get the equal pay rule in place!
6/15/2015 Blackhawks take the Cup!!
Congratulations to the Chicago Blackhawks and all the Chicago fans!!
6/7/2015 History has been made!!
A huge congratulations to all the connections of American Pharoah who has won the 2015 Triple Crown! A feat unlike any other in the sports world, 1 shot, 1 year, no returning champions or brackets or elimination rounds. True class, grit, heart, talent, and yes, luck! All athletes should tip their hats to a true champion!
5/25/2015 Memorial Day
I want to take this opportunity to thank all servicemen and their families for their sacrifices for our country. That includes all service dogs and horses. Thank you and God Bless.
5/18/2015 ESPN INTERVIEW
Big money pole in Barrons over the weekend, 82% bullish 18% bearish over the next 12 months………PUT YOUR STOPS IN PEOPLE!!!
4/26/2015 Blackhawks win!!
Congratulations Chicago!! Woohoo!
4/24/2015 Good luck at the Derby!
It is official, I have joined forces with a solid brokerage firm as a professional partner! This opens up great opportunities for clients regarding research and accessibility to products and strategies without the discomfort of being put in a box! I embrace the opportunity!
Big news coming…….!
Wishing everyone a safe, prosperous and Happy New Year!
Christmas is over, there are only a few trading days left in 2014. The Dow has hit record territory, gas prices are the lowest they have been in years and December’s weather was mild. Lots of good news for consumers and 401ks!
Except…..if you own mutual funds you may get a very unpleasant tax surprise. Even with 79% of Mutual funds failing to beat their market benchmarks, investors may find themselves owing whooper tax bills without ever selling a single share! Please talk to your financial advisor, ask the question.
Just a reminder that actively managed funds run by stock pickers seeking to beat the market are generally less tax-efficient than index funds and exchange traded funds. Just another reason I am not a mutual fund fan, there are just better vehicles.
Lots of talks and narrowing the field in a big way! This firm has the integrity and flexibility of ‘old school’ combined with the cutting edge technology, savvy, research experts and forward thinking connections that will be exciting for me and hugely beneficial to clients! Looking forward to making the announcement in January 2015. Stay tuned!
Happy Holidays and Merry Christmas!
12/14/2014 What a journey KMH has been on! We have morphed and pivoted and evolved into what I truly love to do, connect clients to financial experts with KMH as their fiercely protective advocate!
I think the lesson learned is to be true to yourself in your career as well as your life. I had many people advising, critiquing, supporting and questioning. Uhg! Too much advice not enough heart. I have returned to my heart. I absolutely love the financial world! I love the why, the where and the how! I love talking to brilliant people and learning every day! I love solving a client problem that they can’t find a solution to!
Currently, I am personally in negotiations with a number of financial firms to join forces with. Wish me luck as it will surely benefit YOU!
If you do something for the right reason NOTHING can stop you! Let’s rock ‘n roll!