I look at life as a game. Each individual comes in as part of a specific team (family). They learn how to play the game and each plays to the best of his or her ability. In the meantime, each one intuitively begins looking to eventually create their own team (family), join a team (school/company/corporation) in order to continuously benefit from strength in numbers. It’s actually impossible to play the game of life alone. We all need to be part of some kind of team no matter

It’s March Madness -- that time of year when a whole lot of scrambling goes on, off and on the basketball court. The college basketball playoffs always remind me of how certain people approach investing – like it’s one big guessing game! As we come into March and get closer to tax filing deadlines, inevitably, random people and some friends and acquaintances ask me where they should put their money to get the best performance this year. My first reaction is, “Really?” Talk a