It’s Taken a Lifetime

Edmund Marsh

Ed is a physical therapist who lives and works in a small community near Atlanta. He likes to spend time with his church, with his family and in his garden thinking about retirement. His favorite question to ask a young person is, "Are you saving for retirement?"

    It’s Taken a Lifetime

    Edmund Marsh  |  Oct 20, 2022

    I’M TOO EMBARRASSED to reveal how long it took my wife and me to prepare our wills. We knew this important task was near the top of almost every financial “to do” list—a list that, it seems, we’ve spent our adult lives slowly working our way through.
    We’d discussed the details of our wills, including the crucial decision of who would care for our minor child in the event both of us died. Despite this,

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    Too Close for Comfort

    Edmund Marsh  |  Oct 13, 2022

    WHEN I STARTED investing, I never thought much about risk, partly because I didn’t recognize that there were any.
    The investor questionnaires always placed me in the aggressive category. Even though I never ventured much beyond mutual funds, all were pure stock funds, except for a small position in a balanced fund that I briefly owned. I didn’t know much, but I had learned that stocks most likely meant growth over the long haul,

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    Reverse Hospitality

    Edmund Marsh  |  Oct 12, 2022

    IN THE SOUTH, it’s common for a restaurant server or store clerk to refer to me as “sweetie” or “honey.” I’ll often respond by asking, “How did you know my name is Sweetie?”
    This will usually bring a smile to the face of even a harried worker. Our friendly banter is the worker practicing some of the charm and hospitality that the South is famous for, and me returning the courtesy with “reverse hospitality.”
    A commercial transaction doesn’t involve just money.

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    Happiness at Home

    Edmund Marsh  |  Oct 6, 2022

    I HAVE READ THAT spending on experiences brings more happiness than spending on things. But what about the experience of buying? Can that make us happy?
    I’ve lived in my small community for 21 years. Over that time, my regular buying habits have led me to discover people who provide me with excellent service. They also supply me with a generous measure of genuine satisfaction.
    Every third Friday, I sit and listen to a great raconteur as he cuts my hair.

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    Lunch Money

    Edmund Marsh  |  Sep 22, 2022

    WE ALL HAVE GOOD habits and bad habits. One of my best habits: bringing my lunch to work.
    I save both money and calories by brown-bagging it rather than buying lunch at a restaurant. My lunch of leftovers, along with a few pieces of fruit and a bottle of water, cost less than even a fast-food meal deal, and it’s healthier. What about the long-term savings from avoiding those additional calories? Researchers have found that excess body weight adds thousands of dollars to our annual health care expenses.

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    Just Enough

    Edmund Marsh  |  Sep 17, 2022

    PHYSICAL THERAPY IS a teaching profession. I am the teacher and my patients are the students. They come to me with a problem in need of a solution. I help them find the answer.
    Most of my patients have never faced the daunting challenge of overcoming a physical disability caused by injury or disease. They don’t know where to begin. Many have also never put in the sustained effort needed to achieve a tough goal.

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