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Sometimes a picture really can make things easier to understand. Many of the important ideas and concepts you need to know as a long-term investor don’t require lengthy explanations. They can be as simple as these four charts.

School is back in session! Since I do not have any children, this only means one resounding thing to me: More. Traffic. Even after four years, traffic still gets the best of me more often than I like to admit. One way I deal with the traffic rage is to continually stay in motion, even if that means changing far more lanes than I need to, going down side roads, etc.

Personally, I would define life as a continual transition, consisting of both the expected and unexpected thus allowing me to better understand Frank Sinatra’s classic, ‘That’s Life’. Throughout my childhood, I lived in many different houses, went to many different schools, and had many different friends.

In order to achieve most things in life, we must stay focused on its attainment. When I was a teenager I wanted badly a Schwinn Continental bicycle. I mowed a lot of yards and delivered a lot of newspapers all summer to earn the money to achieve what was important. The Bible asserts that if we don’t have vision (long-term focus) we perish.

The 4th of July is one of my favorite holidays. Spending time with family, grilling food, shooting off fireworks, and most importantly taking a moment to remember the blessing of freedom that we experience in the United States. This year, in particular, I was reflecting on how interesting “Freedom” is as a concept – and how surprisingly easy it can be to take for granted.

We are a peculiar people - Different and unique all at the same time. We all are created in God’s image but with different looks and “personality DNA’s.” Yet we all have the same physical DNA components.

We are a peculiar people - Different and unique all at the same time. We all are created in God’s image but with different looks and “personality DNA’s.” Yet we all have the same physical DNA components.

There are many different investments in the word, why do advisors talk about the stock and bond market instead of many other investments?

Sometimes gamblers make money and sometimes investors lose money, so what’s the difference? Are the odds with you or are the odds against you! If you add up everyone who does a certain activity, do they make money or does the house generally win?