In an unprecedented year marred by constant tumult -- a raging pandemic, widespread business and school closures/layoffs, a battered economy, racial strife, a bitter election -- it's nice to disconnect from it all and take a moment to give thanks for the people who enrich our lives, even if we may not be able to celebrate the holiday with some of them in 2020 due to COVID-19 restrictions.  I'd like to wish you and yours a happy, safe, and blessed Thanksgiving.  Thanks for giving up some of your time over the course of the week/month to read, share, and comment on my posts. You guys rock, and I mean it from the bottom of my heart.  There's a reason I aim for variety in my choice of content/messaging. It's my hope that the more sobering posts offer comfort and valuable tips to those going through tough times, and that the lighthearted ones -- from silly puns to funny memes -- elicit laughs at a time of great uncertainty.  Our lives may be far from perfect, but we still...

Here's an irony for you: When nothing is sure, everything is possible. I know that "everything" can encompass both good and bad outcomes. We can find a great job or spend another two frustrating months looking, see our relationship thrive or devolve into chaos, hit it big in the stock market or lose a boatload of money. Life is really what we make of it. The possibilities are there -- we need only seize them. But we make that impossible to do if: 1. We give up prematurely. Thomas Edison once said,"I haven't failed. I've just found 10,000 ways that don't work. This quote, too, is attributed to the famous inventor: "Many of life's failures are people who did not realize how close they were when they gave up." Indeed, some people draw so close to the promised land they can almost taste it -- only to wave the white flag. Perhaps they become dissuaded by a friend or relative, don't see the financial returns of a venture as quic...

These unprecedented economic times are turning normal shopping and saving patterns on their heads. Whether you work in hospitality or healthcare, finance or education, you've surely felt the effects either in your industry or in your personal life. Overall, U.S. retail sales dropped by a record 16.4% from March to April as business shutdowns caused by the coronavirus shellacked stores big and small. Unfortunately, many were already in a precarious state pre-pandemic thanks to stiff competition from Amazon. Nearly $1 of every $5 spent at retailers last month went to non-store retailers, signaling a definite shift toward online shopping. With exception to online, not a single retail category was spared in April. Furniture stores and appliance/electronics stores absorbed whopping losses of 60% or more. Car dealers saw a plunge of 13%. Even clothing retailers have been walloped. Clothing-store sales sagged 79% and department stores 29%. In recent weeks, J.Crew, Neiman Ma...

Many of us would say that we loathe uncertainty. If it were up to us, every day would play out like a familiar script. But there comes a time where we have no choice but to venture into unchartered waters -- whether it concerns landing a new job; grappling with a new health condition; or making a large purchase, such as a new home. Stress is inevitable. You're likely to second guess your decisions. And, worst of all, you're bound to start down the slippery slope of imagining the absolute worst. If these feelings aren't reined in, they can lead to adverse outcomes like anxiety and depression. While some might advise you to simply think positively, I think a far more effective approach is to hope for the best, but plan for the worst.  Think about it: What are the chances of the worst coming to pass? Very slim, of course. Usually we end up dreaming up scenarios in our head that come nowhere near reality. Still, there is always a slight possibility that the job ...