Recent Commentary

TheLiveBigWay® Digest – Rise Up

TheLiveBigWay® Digeston July 28th, 2016No Comments
Rise Up: The Olympic Games and Our Investment Philosophy

Olympic Flame The Olympics provide a unique opportunity to see the world shine in a different spotlight; to become a part of something bigger than ourselves and share in the joy and heartbreak felt by all. All the while, the world markets in which we invest draw many similarities to the Olympic Games. Some of the core principles of our investment philosophy are paralleled in the truths of the games, and the actions of the athletes are reflected in the behaviors and decisions of investors. Read more about these similarities and join in on the excitement for the Olympic Games!

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 Advice to an Incoming College Freshman

Ready or not, the end of the summer is nearing and back-to-school supplies are in high demand. For all incoming college freshmen likely filling their carts with dorm supplies, we congratulate you on making it to college! As you prepare to launch on your college career make decisions as an independent adult,  we offer guidance for handling financial situations that you’ll likely be facing for the first time, as well as a few simple rules that can help you get the most from your college experience.

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Yeske Buie in the Media:

10 Fears That Keep You From Being Rich

10 fearsA recent article by Lou Carlozo, The 10 Fears That Are Keeping You From Being Rich, outlines behaviors that oftentimes come between you and your potential wealth. It seems ironic that while many feel additional wealth would be the answer to their financial fears, it may be fear that is holding them back from the additional wealth. Dave contributed his thoughts for Lou’s article to help identify and mitigate the fears that may be coming between you and your potential wealth.

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Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDAs athletes from around the world prepare to gather for the Olympic Games next week, we gather new photos for our Live Big® Glass photo gallery and highlight two additional countries on our world map. Recently, the Live Big glass traveled both north and south of US borders – to Quebec, Canada and Isa Verde, Puerto Rico – and the photos capture moments of our friends and family Living Big. We hope you enjoy these new additions and share your pictures with us as you Live Big at home or abroad.

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TheLiveBigWay® Digest – Captain’s Log

TheLiveBigWay® Digeston July 14th, 2016No Comments

Saving for Retirement – It’s Never Too Early (or Too Late!)

Business GrowthTime is the most important ingredient in the financial plan Clients use to guide them to retirement. The power of compound interest is the reason this is true – each additional compounding period available to a Client’s savings increases the growth prospects of those funds exponentially. Read more to find out how Yeske Buie helps its Clients use their time before retirement to take advantage of this principle.

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“Captain’s Log, supplemental”

Live Long and Prosper

“Captain’s Log, supplemental.” Some of you will recognize these as the words spoken by Captain James T. Kirk after each commercial break, to be followed by a recap of what happened in the prior segment and a preview of the action to come.  Those words come to mind today as we contemplate stock market developments of the recent past and our desire to share a brief update.

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Welcome Aboard!

2016-07-14 ML ZB RY Welcome Aboard 1Yeske Buie is excited to welcome three new additions to our team – Mila Lavoie, Zach Bennedsen, and Ryan Klemm! While the new team members have worked at the firm for only two weeks, they have fully embraced Yeske Buie’s culture and worldviews and are enthusiastic for all that is to come. We will feature each new team member in future editions of the Digest but today we offer welcome notes from each individual sharing the unique strengths they bring to the team and the ways they plan to embrace Yeske Buie’s worldviews.

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Where in the World is the Live Big® Glass?

WWLBG - COMPRESSED

Last time, we shared with you a picture of our red, white, and blue Live Big glasses and asked you to share your July 4th Live Big glass pictures with us. We are pleased to have received two photos of individuals enjoying the holiday both domestically and abroad. We have added these pictures to our Live Big glass photo gallery and have updated our travel maps as the glass has been photographed in a new country! If you find yourself Living Big with your glass in hand this summer, please feel free to share your pictures with us.

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Final Reminder: Changes to Schwab’s Statement Schedule

Starting with July 2016 statements (which would be received in August), Schwab will send monthly statements only for accounts with qualifying activity and accounts that do not have qualifying activity will receive statements on a quarterly basis. Schwab defines qualifying activity as transactions including deposits, withdrawals, trades, and stock dividend distributions and re-investments.

Yeske Buie, however, will continue to post monthly reports to your Client Private Page® where you can access your account balances and performance information. If you would like to continue to receive monthly Schwab statements regardless of qualifying activity, please contact Victoria Harrell ASAP as today is the final day to make this request with our Schwab service team. Learn more about this change on our website and feel free to contact us with any questions.

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TheLiveBigWay® Digest – Go For Gold

TheLiveBigWay® Digeston June 30th, 2016No Comments
Go For Gold with a Budget

podium with siver and golden coins isolated on a whiteThe United States is often considered a world powerhouse. From being an economic super power to being world-class Olympic athletes, the United States has been dominant in collecting Olympic medals as well as highly advanced in terms of technology and infrastructure. Yet when it comes to personal savings, the U.S could do much better! So what is the solution? Read on to learn how creating a budget may help solve your savings dilemma and alleviate financial stress.

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The Brexit Bust

When we wrote last Friday morning in the immediate aftermath of Thursday’s Brexit, we noted:

Europe, the U.K., the U.S. and the rest of the world will adapt to the new reality.  As for the markets, they discount the future and will absorb and reflect the implications of Brexit relatively quickly. So best not to extrapolate what happens today or next week very far into the future.

What a difference a week makes. As we write this note a mere week later, the US market has recovered to pre-Brexit levels and the UK markets are actually higher than they were prior to the vote. Read more on our observation of how quickly the world has digested the news and, seemingly, moved on.

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Yusuf Named One of InvestmentNews‘ 40 Under 40

Abugideiri_5999Yusuf Abugideiri has been named to InvestmentNews’ 40 Under 40 list for 2016. The goal of the list is to recognize members of the financial advisory industry under the age of 40 and have positively changed the profession. This year, the tagline for the listing is “The Power of Personality.” With this theme, each nominee completed a personality test and then received a corresponding archetype such as The Maestro, The Guardian, or The Victor. Learn which archetype Yusuf received and hear more from Yusuf about this recognition.

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FPA Advocacy Day on the Hill

IMG_8095Last week, Dave attended the Financial Planning Association’s 3rd Annual Advocacy Day in Washington, D.C. FPA® Advocacy Day provides members and leaders of FPA with the opportunity to introduce federal policymakers to the association and the profession and to talk with them about issues that are important to CFP® practitioners. Read on to learn more about the representatives Dave met with and some of the talking points they discussed.

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Where in the World is the Live Big® Glass?

July 4 Live Big GlassWith the July 4th weekend upon us, many take the time to reflect on the qualities that have made the US unique and spend time in a place of gratitude for our independence. In honor of the holiday, we share our Live Big glasses donning patriotic colors and we hope you will share your Live Big holiday photos with us. Whether you are planning to enjoy a baseball game or dazzle at a late night fireworks show, enjoy the holiday and Live Big!

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TheLiveBigWay® Digest – A Conscious Culture

TheLiveBigWay® Digeston June 14th, 2016No Comments
Be Conscious, Not Cautious, With Your Credit Card

Credit CardsCredit can be considered a friend or foe – when used responsibly you can build trustworthiness with lenders to receive more favorable outcomes when shopping for a mortgage, car loan, or even a job. When used irresponsibly, however, you run the risk of damaging your financial future. Establishing wise and sustainable habits is key to creating and maintaining a good credit score. Today, we offer four rules of thumb for using credit responsibly.

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The 2016 Trends in Investing Survey

Asset AllocationEarlier this month, the Financial Planning Association®, Journal of Financial Planning, and FPA Research and Practice InstituteTM released a report on the 2016 Trends in Investing. As Practitioner Editor of the Journal of Financial Planning, Dave Yeske spoke with Michelle Zhou, contributor for FinancialPlanning.com, about the results. Read on for Dave’s thoughts and more information on the survey results.

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Yeske Buie Retreat: Refining and Realigning

10 - Group on StairsLast week, the Yeske Buie team gathered for our semi-annual staff retreat in Hume, Virginia. The team spent the retreat working on refining our communication and ensuring total alignment of our actions and our values that we brought to life at our last retreat. This year, we worked to sow these ‘seeds’ so that they may continue to grow our culture and guide how we approach our work for our Clients. Read on for more about the exercises we completed and see pictures from our week in rural Virginia.

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IMPORTANT: Changes to Schwab’s Statement Schedule

Starting with July 2016 statements (which would be received in August), Schwab will send monthly statements only for accounts with qualifying activity and accounts that do not have qualifying activity will receive statements on a quarterly basis. Schwab defines qualifying activity as transactions including deposits, withdrawals, trades, and stock dividend distributions and re-investments.

Yeske Buie, however, will continue to post monthly reports to your Client Private Page® where you can access your account balances and performance information. If you would like to continue to receive monthly Schwab statements regardless of qualifying activity, please contact Victoria Harrell and she will contact our service team to make the request. Learn more about this change on our website and feel free to contact us with any questions.

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Tax Return Request

American Flag at U.S. CapitolWe have requested to receive a copy of your 2015 Federal and State returns to help us better serve you throughout the year. We are best able to perform tax related analysis with your most current tax return. If you are unable to send the entire document due to it’s length, please send the 1040 and all Schedules. You may send the documents to us using any of the methods described here.

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TheLiveBigWay® Digest – Be Wise, Ask Whys

TheLiveBigWay® Digeston June 2nd, 2016No Comments
Wise Goals Start with Whys

WhySince a young age, we’ve all been taught to establish goals. However, it’s often the case that we measure our “success” on expectations or the lives of others and we forego defining meaningful goals for ourselves. At Yeske Buie, our Client relationships are built around our talent for thinking creatively to help our Clients recognize their unique goals and use their resources to support a full, abundant life. The “why” of a goal is the foundation, the journey, and the destination and pursuing your goals on any other foundation risks pursuing a vision that is not authentic to your future ideal self. Read on to learn more about why wise goals start with whys.

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IMPORTANT: Changes to Schwab’s Statement Schedule

Starting with July 2016 statements (which would be received in August), Schwab will send monthly statements only for accounts with qualifying activity and accounts that do not have qualifying activity will receive statements on a quarterly basis. Schwab defines qualifying activity as transactions including deposits, withdrawals, trades, and stock dividend distributions and re-investments.

Yeske Buie, however, will continue to post monthly reports to your Client Private Page® where you can access your account balances and performance information. If you would like to continue to receive monthly Schwab statements regardless of qualifying activity, please contact Victoria Harrell and she will contact our service team to make the request. Learn more about this change on our website and feel free to contact us with any questions.

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Yeske Buie Learns Big at FPA NorCal

Group ShotThis week, members of our Financial Planning Team in San Francisco attended the Financial Planning Association’s NorCal Conference. The conference has a national reputation for hosting knowledgeable and inspirational speakers, one of which was Dr. Dave Yeske. In addition to Dave’s presentation, the conference was home to nearly forty different sessions. Our team members, always eager to Learn Big, shared their thoughts and learning moments from their favorite sessions. Read on for pictures, insights, and examples of the conference learnings the team can promptly implement.

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Save the Date: Yeske Buie Spring Open House!

High Quality Open HouseWe hope you will join the Yeske Buie Team for our Open House in our Vienna, VA office on Thursday, June 9th from 4:30 – 6:30pm. The Open House will feature several of Elissa and Dave’s favorite wines, live music from a string duo, and delicious appetizers from Purple Onion Catering. You can find this year’s menu, information on our live musicians, and more on our website. Please email Cristin Etheredge your RSVP today!.

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Tax Return Request

American Flag at U.S. CapitolWe have requested to receive a copy of your 2015 Federal and State returns to help us better serve you throughout the year. We are best able to perform tax related analysis with your most current tax return. If you are unable to send the entire document due to it’s length, please send the 1040 and all Schedules. You may send the documents to us using any of the methods described here.

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TheLiveBigWay® Digest: Tips to Stash Your Cash

TheLiveBigWay® Digeston May 19th, 2016No Comments
Brushing Up on the Facts: Roth IRAs

Retirement savings jar“Financial security in retirement doesn’t just happen.  It takes planning and commitment, and yes, money.” According to the U.S. Department of Labor, one of the “Top 10 Ways to Prepare for Retirement” is to put money into an Individual Retirement Account or IRA. With two types of IRAs to choose from, the Traditional and Roth, it’s important to determine which is best for you. With that said, we encourage you to read on to brush up on the facts of Roth IRAs.

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Yeske Buie in the Media: CNBC
If Millennials Can Save Money, You Can, Too

Coins in Wooden BowlIt was recently announced that Millennials have surpassed Generation X to become the largest generation in the U.S. labor force. While Millennials often face negative workforce stereotypes, they are finally gaining some positive attention as leaders when it comes to saving money. Read on for Dave’s thoughts and a short video on Millennials’ saving habits as shared in a recent CNBC article by Landon Dowdy.

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Budgeting – Blending, Not Balancing

Pebble tower shaped as dollar signWhat about the “b-word” makes us squirm? Surely, the difficulty isn’t an inability to identify the components of spending. Nonetheless, we often feel anxious because we think of fixed and discretionary expenses in terms of static “wants” vs “needs”, instead of a process of prioritization. Read on for a dynamic outlook  on the art of blending, not balancing, your budget and expenses.

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Save the Date: Yeske Buie Spring Open House!

High Quality Open HouseWe hope you will join the Yeske Buie Team for our Open House in our Vienna, VA office on Thursday, June 9th from 4:30 – 6:30pm. The Open House will feature several of Elissa and Dave’s favorite wines, live music from a string duo, and delicious appetizers from Purple Onion Catering. You can find this year’s menu, information on our live musicians, and more on our website. Please email Cristin Etheredge your RSVP today!.

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Tax Return Request

American Flag at U.S. CapitolWe have requested to receive a copy of your 2015 Federal and State returns to help us better serve you throughout the year. We are best able to perform tax related analysis with your most current tax return. If you are unable to send the entire document due to it’s length, please send the 1040 and all Schedules. You may send the documents to us using any of the methods described here.

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TheLiveBigWay® Digest: The Art of Storytelling

TheLiveBigWay® Digeston May 5th, 2016No Comments
Let’s Talk About: Life Insurance

Life InsuranceWhat questions are you not asking about life insurance? The thing about life insurance is that there is not a one-size-fits-all solution. In fact, we’d almost go as far as to say that life insurance is so unique – no one individual or scenario is the same. With this in mind, we share a basic overview about life insurance to help you learn more on the topic and to encourage you to ask questions you may not have thought to ask.

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FPA Retreat: The Art of Storytelling

img_94282Last week, five members of Yeske Buie’s Financial Planning Team attended and presented at the Financial Planning Association’s annual retreat. The theme of this year’s retreat was built around Advancing the Art and Science of Financial Planning Through Storytelling. Our Yeske Buie team members had the opportunity to share stories focused on three different areas of our expertise and to listen to stories from other prominent financial planners through various sessions. Read on to learn about Yusuf, Jen, and Lauren’s favorite sessions and how it felt to present at this conference for the first time.

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Authentic Conversations

Outdoor Mother Daughter ChatAs we focus on the importance of asking difficult questions and the impact of communicating through presentations and stories, we are reminded of a post we previously shared written by Eldercare Expert Dr. Jim McCabe on Authentic Conversations. As Dr. McCabe reflected on many of the families he worked with over the years and the challenges they faced together, he noted that, “Even in the healthiest of family systems, communication can be difficult”. Today, we share this piece again as we find that Jim’s identification of the critical steps to have authentic conversations complements Yeske Buie’s communication philosophy.

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Save the Date: Yeske Buie Spring Open House!

group_laugh_5615v2We hope you will join the Yeske Buie Team from both offices for our Open House in Vienna, VA on Thursday, June 9th from 4:30 – 6:30pm. The Open House will feature several of Elissa and Dave’s favorite wines, live music from guitarist Rich Barry and violinist Sonya Chung, and delicious appetizers from local company, Purple Onion Catering. Stay tuned to future Digests for the full menu and more and feel free to email Cristin Etheredge your RSVP.

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Tax Return Request

American Flag at U.S. CapitolNow that tax day has come and gone (unless you are on extension), we have requested to receive a copy of your 2015 Federal and State returns to help us better serve our Clients throughout the year. Exactly how the information is used varies from Client to Client, but we are best able to perform tax related analysis with your most current tax return. It is our preference to receive the entire document but we understand that many returns are quite lengthy. If you are unable to send the entire document, please send the 1040 and all Schedules. You may send the documents to us using any of the methods described here.

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TheLiveBigWay® Digest – Earth Day Edition

TheLiveBigWay® Digeston April 21st, 2016No Comments
Reverse Mortgage Mini-Series: Part II

Real Estate ConceptStaying true to Yeske Buie’s Learn Big worldview, we are committed to learning more about reverse mortgages and how they may be used as strategic planning tools for our Clients. In the first article of this mini-series, we provided a basic overview of Home Equity Conversion Mortgages (HECM), which are federally-insured reverse mortgages offered and regulated by the U.S. Department of Housing and Urban Development (HUD). In Part II of the mini-series, we will cover additional details on HECMs including what factors affect the calculation of the loan value, additional costs to consider, how the payments work and how the loan is repaid. We will also include a brief overview of using HECMs to purchase new homes.

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Patient Planning

Surgical Nurse Writing On Patient ChartNo matter what stage of life you find yourself, we feel that it is important to have a plan in place to cover all aspects of your life and is congruent with your Live Big® goals. Some of your planning needs may be obvious, but there may be some needs that simply aren’t as clear. With this in mind, we share an article by Julie Kaplan, PharmD, senior medical writer at RX411.com, that discusses the importance of planning for unexpected medical situations. The article explains that unless you have an intentional conversation, your default caregiver (most likely a spouse or close relative) may not know enough about your medical routines and conditions to help in an emergency situation. Read on to learn about designating a patient advocate to ensure you have a plan in place should you experience a medical emergency.

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Sabina Has Passed the CFP® Exam

Smailhodzic_5754Yeske Buie is pleased to share that Sabina Smailhodzic has passed the CFP® Exam. After passing the exam, Sabina said, “I plan on celebrating by packing up my study materials! I am happy I passed and am one step closer to being a CFP® Professional.” In addition to passing the exam, each CFP® Candidate is required to meet an education requirement and an experience requirement. As a Financial Planning Resident, Sabina will have the experience necessary to qualify to be a CFP® Licensee upon her “graduation” from the program. Sabina will meet all three CFP® Board requirements at the end of the Spring and will then be able to apply for the certification. Congratulations, Sabina!

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Celebrate Earth Day at a National Park

JH in Texas - Big Bend National Park 3Last Friday, President Obama proclaimed the week of April 16th through April 24th as National Park Week. Additionally, the White House announced further support of the President’s Every Kid in a Park initiative which is committed to providing free National Park access to fourth grade students and their families. In our most recent edition of The Live Big Chronicles, we suggested taking advantage of National Park Week. So in honor of this 46th celebration of Earth Day, consider heading out to one of the National Parks this weekend! And if you find yourself enjoying one of the parks, take your Live Big glass with you and we’ll add it to our Where in the World is the Live Big Glass? gallery – you’ll find the glass has already traveled to three of our National Parks.

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Tax Return Request

American Flag at U.S. CapitolNow that tax day has come and gone (unless you are on extension), we will be requesting a copy of your 2015 Federal and State returns to help us better serve our Clients throughout the year. Exactly how the information is used varies from Client to Client, but we are best able to perform tax related analysis with your most current tax return. Lauren Vitt will be sending email requests beginning Monday. It is our preference to receive the entire document but we understand that many returns are quite lengthy. If you are unable to send the entire document, please send the 1040 and all Schedules. You may send the documents to us using any of the methods described here.

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TheLiveBigWay® Digest – A Practical Approach

TheLiveBigWay® Digeston April 7th, 2016No Comments
A Practical Approach to Cash Flow Complexities

Cash Flow BucketsWhen life happens, the financial aspects of figuring out what to do next can make taking that next step an overwhelming task. Using policies to manage cash flow on an ongoing basis removes the budgetary uncertainties and clarifies the financial ripple effects of a given alternative, helping our Clients make decisions using the constraint that matters most: their values. Read on to learn how Yeske Buie uses grounded policies when creating financial plans for our Clients.

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The 411 on 2FA

2FAVisualize your typical morning routine. It’s likely that before 10:00am, you’ve logged into at least a dozen different online accounts including social media accounts, online bank accounts, retail sites and more. With the growing number of websites with whom we share our personal information, it is vital to take extra caution in keeping your personal information safe. Two factor authentication – commonly referred to as 2FA – can drastically reduce the risk of online identity theft by requiring two means of identification to access an online account. Learn more about the benefits of 2FA and how you can set-up two factor authentication on your personal accounts.

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Dimensional Stories: Our Interests Are Aligned

CongruenceThe financial world is currently abuzz over the Department of Labor’s new ruling to broaden the definition of fiduciary investment advice. Around this time last year, we shared how and why Elissa and Dave have been promoting the fiduciary standard as this issue has been near and dear to Yeske Buie for many years. It is important to us that our philosophy regarding investments and Client service is congruent to that of our strategic partners including Dimensional Fund Advisors. In this two minute video, we find particular congruence in the approach of the two firms as Nobel Laureate Robert Merton describes the fundamental importance of having aligned incentives.

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Where in the World is the Live Big® Glass?

WWLBG - COMPRESSEDOur most recent additions to the Live Big glass gallery channel three of the classical elements – Earth, Wind, and Water – and add new states and countries to our maps. While each of the new pictures are quite different, they all highlight activities that the individuals feel help them Live Big. If you have a picture you’d like to share with us, please feel free to email Lauren@YeBu.com and we will be happy to add your photo to the gallery.

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Tax Day Reminder

American Flag at U.S. CapitolThis year, you have a few extra days to file your 2015 Federal and State tax returns as Tax Day 2016 falls on April 18th. Why the delayed date, you may ask? You can thank Washington, D.C. for the extra three days. Washington, D.C. recognizes Emancipation Day as a government holiday which is typically observed on April 16th. This year, however, April 16th falls on a Saturday, so the holiday will be observed  on Friday, April 15th. Because government offices will be closed April 15th, Tax Day is moved to Monday, April 18th.

As we do every year, we will be sending emails to request 2015 Federal and State tax returns from Clients shortly after April 18th to help us better serve our Clients throughout the year. If you already have  a copy of your tax return, you may send the document to us using any of the methods described here.

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TheLiveBigWay® Digest – The Financial Four

TheLiveBigWay® Digeston March 24th, 2016No Comments
Charitable Giving Strategies

CharityCharitable giving is a highly personal decision and people have a variety of reasons for why or how they choose to give. Some choose to support personal values or beliefs, while others may give for the purposes of tax and estate planning opportunities. There are a variety of factors to consider when making a charitable gift, including the method of giving, tax strategies, and more. Today, we offer a brief summary of six different strategies you may consider and we encourage you to discuss with us how we can incorporate your charitable giving desires into your financial plan.

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Elissa Buie Named Top Wealth Advisor by Washingtonian Magazine

Elissa Standing ShotYeske Buie is pleased to share that Elissa Buie has been awarded the title of Top Wealth Advisor by Washingtonian Magazine as part of the magazine’s Top Wealth Advisors listing for 2016. Washingtonian Magazine awards the honor of Top Wealth Advisor to the individual with the most peer-nominations for this already-prestigious recognition. Elissa has appeared on all five of Washingtonian’s previous lists of top financial planners. Read on for Elissa’s thoughts on the recognition and to learn more about the listing.

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Women to Watch: Elissa Buie

EB W2W 2This past week, Dave and Elissa attended InvestmentNews’ inaugural Women to Watch Awards Luncheon in New York as InvestmentNews honored Elissa and 20 additional outstanding female professionals in the financial advisory industry. As Elissa accepted her award, she was asked to share any secrets to her success. Elissa said she is “blessed by her opportunities to be mentored and to be a mentor to other women”. Read on for more about Elissa’s Women to Watch recognition and for a short video featuring Elissa.

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The Financial Four

Basketball and MoneyAmericans fill out more than 70 million brackets for the NCAA March Madness tournament. Despite the strategy you use to prioritize your bracket, chances are it has at least a few flaws. But what if you could fill out a bracket where you couldn’t lose? The National Endowment for Financial Education and the Financial Planning Association® have partnered for the fifth time to share an interactive ‘Financial Four’ bracket to help you prioritize the financial areas of your life that are most important to you. Explore the 32 financial concepts and prioritize your financial four; no matter what you choose, you’ll end up a winner with an idea of your financial goals!

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Update on 1099s and Tax Day Reminder

As an update from our previous communication regarding Corrected 1099s for some Clients, the delayed information from the mutual funds in Yeske Buie portfolios did not, in the end, necessitate any changes in the 1099s. The original 1099 that was prepared contains the most current information and should be used in the preparation of your taxes. If you have any questions, please do not hesitate to contact us.

American Flag at U.S. CapitolThis year, you have a few extra days to file your 2015 Federal and State tax returns as Tax Day 2016 falls on April 18th. Why the delayed date, you may ask? You can thank Washington, D.C. for the extra three days. Washington, D.C. recognizes Emancipation Day as a government holiday which is typically observed on April 16th. This year, however, April 16th falls on a Saturday, so the holiday will be observed  on Friday, April 15th. Because government offices will be closed April 15th, Tax Day is moved to Monday, April 18th.

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“Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness that most frightens us. We ask ourselves, Who am I to be brilliant, gorgeous, talented, fabulous? Actually, who are you not to be? Your playing small does not serve the world. There is nothing enlightened about shrinking so that others won't feel insecure around you. We are all meant to shine. And as we let our own light shine, we unconsciously give others permission to do the same. As we are liberated from our own fear, our presence automatically liberates others.” ~Marianne Williamson