Welcome to the 'No-Guilt' blog!
People come to here because they want to build financial confidence and take meaningful action. We provide the context for those things that affect your financial health. Our goal is to help you live in the 'No-Guilt Zone'.

Engineers Experience Emotions, Too!

The downsizing that’s occurring at Keysight has created a great deal of uncertainty for affected employees. One of the immediate responses voiced by terminated employees was, “I’m going to sell all of my [Keysight] stock!”

This was an emotional response from some very rational, analytical people. Anger was the culprit and a natural human response.

I’ve seen too many engineers and other people make financial mistakes and regrettable decisions made from a place of fear, anger, disappointment or disbelief.

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The FOCUS Blog is Back!

The FOCUS Blog is Back!

After a very lengthy hiatus, we are happy to announce the relaunch of our blog.  With the new look and features, we hope you like it as much as we do!  

Look for new posts beginning next week!

Please route any questions, ideas, or suggestions that you have for the Blog to: This email address is being protected from spambots. You need JavaScript enabled to view it.


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Bad News Sells

Have you ever wondered why the news is so depressing? It's simple. Really!

Bad news sells! News editors and publishers know that fear is a more powerful emotion than greed. Greed sells, but fear sells a lot more.

Over the past 12 months, investors have been bombarded with a steady stream of discouraging economic and financial news. What are investors to do?

Some doom and gloomers recommended keeping money on the sidelines. Other advised to avoid the markets altogether. In either case, does this mean investors have to pay constant attention to their portfolios and make adjustments based on news events?

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It's All about Context, Not Just Perspective...Really!!!

Science shows that the human brain has three levels of function:

  1. Lower brain stem, which is responsible for survival and reproductive responses.
  2. Limbic system, which is responsible for emotional responses and classifies everything as good or bad.
  3. Neocortex, which is responsible for reason and logic and has given us philosophy, mathematics and science, and the great man-made wonders of the world.

Frequently, our survival instincts and emotions sabotage our decision-making. In fact, our instincts and emotions taunt us constantly and are responsible for all forms of irrational behavior. They make us focus on the here and now—the short-term fight or flight response.

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