As parents, it is our job to prepare our kids for the world so that they can be productive citizens in it. We teach them right from wrong, the faith we were raised with, and how to be kind to your fellow man. The list goes on, right? Often, the one thing we don’t teach our kids is how to be financially savvy. The United States has one of the most sophisticated financial ecosystems in the history of man and yet only 18% of people are considered what we call “financially fit”. When I was a person...

There are many ways to start on the path to entrepreneurship. Some people leave jobs to pursue it, ditching their 9-5 thinking they can do it better than the firm they left. Others start straight out of high school with a passion that started in middle school. In my experience most people start their path through a side hustle. A side hustle is a hobby or side job you perform to compliment income you may get from a regular 9-5. As a business strategist, I am a fan of the side hustle; however, f...

Yes, Walmart has decided to close 269 stores worldwide but don’t panic, your Patty Pies are probably safe. Many of you will not even be effected by it. I have been monitoring people over the weekend being upset about this move saying things like “this is morally wrong” or “they never think about the little guy”. With that being said I felt compelled to explain why this happened and how long term consumers will be happy for it. Walmart is a business and they are really good at it which is why co...

How were some businesses able to make it out of the recession of 2008 while others were not so lucky? The answer is not as hard as you think. Far too often when people start on the path to entrepreneurship they don’t ask themselves enough questions. One of those questions should be is my business a consumer staple or a consumer discretionary business? Which one is better? Which one is the least volatile? Many times when I go on a initial consultation I asked these questions and people don’t hav...

Have any of you been wondering why gas is so cheap these days? Some of you may think that it is an aberration or some of you may its back to the way it should be. Some of you may not even care as long as it stays this way. The simple answer is economics which would be supply and demand in the price of oil. As I write this, the price of oil is just below $36 a barrel as oppose to $120 a barrel back when gas was almost $4. This is also proof of how for example economic policy set in Beijing can a...

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