Before You Go

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Grief counselor Cheri Milton speaks the power of gratitude. In her presentation before Madison South Rotary, Milton discussed why she chose to write,Before You Go: Lessons for a better life from those facing death.

"I never imagined how much they would give back to me," she said of her interactions with terminal patients.

Milton spoke of a patient named "Joyce" who suffered from ALS. Even though this horrific disease systematically stole Joyce's ability to eat, speak, or move in any substantial way, she remained steadfast in her determination to be grateful for what she did have. "At least I can see my grand-kids when they come home from school. At least my hair still looks nice."

Milton said this kind of determination was inspirational beyond measure, and she began changing things in her own life because of it. "How grateful am I?" Milton pondered. "I try to be grateful for the things we take for granted," Milton said.

Another terminal patient named "Harold" still had unopened Christmas presents under his artificial tree four years after his wife died. He told Milton he hadn't gotten around to opening the gifts she had given him for her last Christmas. Whatever the actual reason, Milton says this patient inspired her to stop procrastinating when it came to certain goals. "What am I waiting for? she asked. As a result, Milton says she forgave a friend, took a foreign vacation and started singing again for the first time since college.

We don't need death at our door to make positive changes in our lives. The patients in Before You Go certainly teach us that much.

 

Posted on August 1, 2013 .

Navigating Stormy Financial Waters

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    Every investment carries risk, but Rotarian Kevin Pachucki says the wrong financial advisor could cost you much more. If you're not careful, he warns, an investor can get eaten alive by the very person he or she goes to for help.
    Kevin recommends asking a potential advisor, "Are you willing to sign off as a fiduciary?" That, according to Kevin, essentially puts in writing that the advisor will work in your best interest, a higher standard than the more typical "suitable" standard.
     Kevin, who has worked as a financial advisor for both Smith Barney and Robert W. Baird handling accounts from $400-$40 million, says he personally has witnessed brokers and advisors who've acted unethically. The result was a fatter return for the advisors and big costs for the investors.
     To avoid getting ripped off by an advisor, Kevin suggests asking pointed questions:
    In addition, he says run for the hills if there's any mention of a "secret investment tip," the necessity to invest "today" or instructions to "just write the check to me."     Kevin currently works in sales, but foresees a day when he will return to the financial industry as an educator.

  • How are you paid? (If it's by the insurance company, there may be a conflict of interest).
  • Are you paid less if you don't hit a commission target?
  • How are you licensed?

    For more information about Kevin Pachucki, see his LinkedIn profile.
Posted on July 25, 2013 .