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Friends of Kevin Guest Blog post by Steve Gamlin Marshmallows and a Golf Cart, the Keys to Success!

Marshmallows and a Golf Cart, the Keys to Success!

Steve Gamlin   (877) 560-3360


Several weeks ago, I was very excited to sign a wonderful contract with a very successful company here in New Hampshire.  I have the honor of being part of an experienced team of speakers/experts for this company’s team as they head into 4th quarter and prepare for a butt-kickin’ 2013! The leader of this team is one of the most positive, pro-active people I’ve ever met when it comes to investing in education and motivation for her people.

So…how did I get to be the chosen one?

About 16 months ago, I was helping my marketing director with a charity golf event. Her company was the sponsor of one of the holes. Essentially, my job was to measure how far golfers could drive a marshmallow. *

As I arrived and was ushered to the golf cart which ultimately delivered me to the 7th hole, a smiling woman asked what I was doing with a gym bag overflowing with marshmallows. As I explained, she laughed. She was also sponsoring a hole that day, with a theme somewhat less messy than mine.

After she asked what I do for a living (as if I could make a career of marshmallow long-drives), I told her I am a professional speaker. When she saw my name on my business card, she confirmed she’d heard of me and was interested in having me speak for her company.

Annnnnnd, here we are.

At the time of this writing, I have already had the great joy of being with her team twice, delivering a ‘real message for real people’, sharing the course of action we’ll be presenting over the next 6 weeks. The roster of events includes “Attitude + Action for a Lifetime of Traction”, followed by the “Get Cookin’ with Steve” Vision Board event to benefit individuals AND the company as a whole (just imagine, a VISUAL mission statement!), and then an early December wrap-up session designed as the launching pad for all we have shared.

How did you meet and acquire YOUR best clients?

As much as I find tremendous value in networking events, blogs, podcasts, referrals, paid advertisements and social media…I will NEVER forget that, wherever I am, I have the ability to make a connection with someone in a meaningful way.

Marshmallows and a golf cart…who knew?!?

* The longest drive of the day was 144-feet, 6-inches!!

Faster Metabolism and Superset Training from EFX Fitness Revolution

Monday, 29 October 2012




The Nutritional Secrets To A Faster Metabolism

If you’ve just set the goal to start losing weight, it’s important that you stay up to date on the latest in findings in the weight loss industry. Researchers are constantly on the lookout for new improvements in the field than can help weight loss seekers realize the success they’re after and with some of the latest advancements, you can rapidly see the results you’re after with hardly any effort on your part.

The trick is to look at how you can increase your resting metabolic rate so that you burn more calories daily without having to do much extra work.

So, what nutrition secrets should you be using to boost your calorie burn? Let’s look at a few of the top nutritional strategies to consider.

Sip Green Tea

First, when it comes to your morning beverage selection, ditch the coffee and go with Green tea.  It’s now being discovered that Green tea is far more effective in assisting with the fat loss process because certain compounds found in it will boost your metabolic rate, getting you burning more calories faster for hours.

Serve it with no sugar however to keep the calorie count down.

Protein Up With Dairy

Next, also make sure to get more protein in your diet, but not just any protein, dairy protein.  The latest in research shows that dairy rich foods can help you lose more fat from the abdominal region, so since this is where so many people are specifically targeting their efforts, it’s one of the best strategies to help you reach your goals.

Fantastic fat loss-friendly dairy sources to include are low fat cottage cheese, low fat Greek yogurt, along with skim milk.

Eat these more often and you’ll see greater success.

Don’t Be So Fast To Go No Carb

Finally, last but not least, don’t be so fast to adopt a very low carb diet plan. While low carb diets can assist with keeping your calorie count in check and your blood sugar levels stabilized, if you go too low carb, a certain hormone in the body called Leptin begins to shift, which can cause extreme food cravings to set in.

Add slow digesting complex carbohydrates to your diet and you’ll fair far better.

So there you have some of the top nutritional secrets that you should be using to help rev your metabolic rate so that you can burn fat faster all day long. If you use these, you’ll find that progress comes almost naturally without much effort on your part at all. 



The One Exercise Technique That Will Help You Burn More Calories Daily

Tired of going to the gym but not seeing the best results from your workout? One of the top trends that many personal trainers are noting right now is the number of people going at their workouts alone but never seeing the progress they’re after.

They see the same individuals in the gym day after day, doing their workout routine, but they hardly ever look any different from week to week.

This is also what leads many people to sign up to work with a personal trainer in the first place.

If you can learn a few simple techniques for how you should structure your workout program however, you can get past this hurdle and back on to success.

One specific exercise technique that is extremely effective for helping you burn off more calories not only during the session but for hours after its completed as well is a superset.

Let’s look more closely at what this is all about.

What A Superset Is

A superset is essentially where you take two exercises and pair them immediately back to back with each other.  So for instance, you might do a lunge and then move directly into a shoulder press.

Or, you might do a squat and then perform a bench press.  Whatever your chosen mode of exercises are, you’re doing these two movements with no rest in between.

Once both are completed, then you’ll rest for 30 seconds before starting up again.

Exercises To Perform

When selecting the exercises that you’ll want to perform with your supersets, the best advice is to select compound movements as often as possible.  It’s these exercises that are going to help to boost your metabolism the fastest since they’re going to be working so many muscle tissues all at once.

Top compound movements to include are the squat, deadlift, chest press, bent over row, shoulder press, lunge, split squat, or leg press.

While you can use isolation exercises such as bicep curls, tricep extensions, lateral raises, leg extensions and hamstring curls for your supersets and still see results, these tend to be slightly less effective than the former.

Key Points To Know

Finally, last but not least, as you go about introducing the superset into your workout program to help boost your total daily calorie burn, make sure that you aren’t doing all your exercise as supersets. Choose two or three different supersets and then keep the rest as straight sets. 

If you overload and do too many, you’ll just find yourself overtrained before you know and quite possibly, injured.  Supersets are intense so you need to strive for balance with them in your workout routine.

So there you have the one technique that’s a must-add to your workout program for faster success.  Always remember that if you are struggling, consulting with a good personal trainer will be your best bet to get your progress moving onwards as fast as possible. 


"Believe in yourself! Have faith in your abilities!

Without a humble but reasonable confidence in

your own powers you cannot be successful or happy."

Norman Vincent Peale

Featured Recipe

Grilled  Portobello Mushrooms


  • 3 Portobello mushrooms
  • 1/4 cup canola oil
  • 3 tablespoons chopped onion
  • 4 cloves garlic, minced
  • 4 tablespoons balsamic vinegar


  1. Clean mushrooms and remove stems, reserve for other use. Place caps on a plate with the gills up.
  2. In a small bowl, combine the oil, onion, garlic and vinegar. Pour mixture evenly over the mushroom caps and let stand for 1 hour.
  3. Grill over hot grill for 10 minutes. Serve immediately.


  • Calories - 217 kcal - 11%
  • Carbohydrates - 11 g - 4%
  • Cholestero - l0 mg - 0%
  • Fat - 19 g - 29%
  • Fiber - 1.9 g - 8%
  • Protein - 3.2 g - 6%
  • Sodium - 13 mg - < 1%

* Percent Daily Values are based on a 2,000 calorie diet

Makes 3 Servings



Forward this Newsletter - Refer a Friend


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Michael Bistany

EFX Fitness Revolution

Email Us

Our Website



Mike has a great knowledge of body mechanics, muscle function and is capable of determining the individual abilities of his clients. Kettlebells are a tremendous exercise and I am enjoying the results. Mike's positive attitude is a great asset to his willingness to work with his clients at their own level and to push them to their maximum potential. He instills confidence and encourages you to want to work further and apply yourself more diligently. Mike is alway watching technique and form during kettlebells, which is another asset to Mike being an A+ instructor.

Mike is a great trainer. There are all sorts of challenges with kettlebells.  I find his strong point is his comprehensive knowledge of the musculature anatomy of the body.  He combines that with his expertise in kettlebells and it’s a terrific synthesis of a complete body work out.  He is sure to WATCH and INSTRUCT you as you perform correct form. 

I also see Mike as being attentive and willing to be flexible in his program.  He will also be considerate of any discomforts or soreness you may be experiencing.  He is understanding and considerate and he knows JUST what you are capable of.   And he pushes when he should.  That is what will make you appreciate Mike as a kettlebell expert! 

I've been with Michael Bistany only a short time and already am seeing results.  As I have had back issues for years I need to be confident in the leader of my fitness instruction and Michael has won that confidence in me.  He has adapted my exercises to meet my needs and selects workouts to target areas most important for me to strengthen first.  I look forward to an ongoing program.  Thanks, Michael!


21 Day Drop a Dress Size, Ladies Only, $89!!!!!!!!!!!!!!

You will receive a fitness assesment. This includes body fat analysis, and a movement screen. Nutritional counseling is also part of this. You also get 6 amazing workouts in our semi-private or small group setting.




Email :

Phone: 603.458.6260


Friends of Kevin Guest Blog post from Jack Wang - This hits pretty close

This hits pretty close…



As I’m writing this, I’m sitting in the Intensive Care waiting room at a local hospital.  I’m sitting with someone close to me, whose father was admitted to the ICU after what was supposed to be a routine surgery.


By all appearances, the father and his family is a typical, normal family.  He’s age 61, and the wife is in her mid 40’s, and together they have a 10 year old son.  After a long career in telecommunications, the father was downsized last year and essentially retired.


As a result of the surgery, he currently has limited feeling in his arms and legs.  He’s on a respirator.  And the doctor didn’t mince any words when he said that this is going to be a long process.  Who knows when he’ll get out of ICU.  After getting out of the hospital, he’s looking a months of rehab.


The wife is asking questions about her husband’s medical condition, and options and so forth.  All things you would expect.  And the family is of course distraught.


I’m not close enough to the family to know much about their finances and the family dynamics.  Still, it’s difficult for me with the daughter.  Her father is lying in a hospital bed in a very precarious situation.  I’m rather distraught for her.


With paralysis a real possibility, the wife is thinking about their life and all of the things that will change.


Helping out at the son’s school and picking him up from school every day.


Helping out at the Cub Scout meetings.


Skating and playing hockey together.


Going up and down the stairs of their 2 story home.


As the daughter just said, “Normal is over for them.”


From a financial standpoint, I do know a few things.


Even if everything goes perfectly, the minimum amount of time before they will receive a disability check from Social Security is about 7 months.  Information about Social Security disability is here.

At age 61, the father is not eligible to apply for Social Security retirement benefits.  Early retirement starts at age 62.

Though their income will be higher with disability payments (he wasn’t working anyway), there will be extra costs associated with this health issue.

The number 1 reason for bankruptcy in this country is unreimbursed/uninsured medical costs and financial impact associated with medical issues.


What costs?  Think about what the family is facing.


§         Rehab sessions, which may or may not be insured.


§         Transportation to and from those sessions.


§         Possibility of having a visiting nurse to help with daily activities.


§         Possibility of the wife having to take time off of work for transportation and the impact on her wages.


§         After school care for the son since the wife works full time.


§         Counseling for their son to emotionally deal with the situation.


§         Renovating the house since the father won’t be able to get up and down the stairs.  Or possibly selling the house and moving.


§         And hiring a lawn and/or snow removal service.


I have no idea if the family can weather the impact.  But if they are like the typical American family with little or no savings and tight budgets, this will be a big problem for them unfortunately.


Disability happens all too often and in ways that no one expects.


You can draw your own conclusions from this sad situation.


If this happened to you, would you be prepared to handle this financially?


If not, what are you going to do?




Let's visit! Use this link to schedule a time with me:



T. Jack Wang
M.E.R.J. Financial Group 
voice - 877-226-4157

fax - 877-226-4157




Brown Law Firm Legal Matters Quarterly

Brown Law Firm, LLC

Legal Matters Quarterly


Fall 2012

The Brown Law Firm, LLC

464 Common Street, Suite 354

Belmont, Massachusetts 02478
Phone: (617) 489-0817


Dear Kevin,  

larger logo

The leaves are changing and autumn is here! We hope you all enoyed your summer, and that this newsletter finds you well.


We are excited for the year ahead and are here to assist you with all of your legal needs including business transactions and related documents (sales agreements, vendor agreements, acquisition documents, leases, licenses), as well as employment agreements, employment discrimination cases, wage act cases and essential personal documents such as wills and health care proxies.


We are eager to assist you with your legal needs and look forward to hearing from you.


All the best,

Graeme S.R. Brown, Esq.

Read our latest blogs


Check out our blog to see business and employment law issues and articles. Here is a sample of our latest blogs:


Overtime complaints on the rise in the city of Boston


Class action suits not always best for your discrimination claim


Buying foreclosed properties can have unpleasant twists


Dunkin Donuts facing allegations of franchise discrimination


Care needed in communications regarding government contracts


New laws limit employers' monitoring of social networking 


                                              The rise

of social networking platforms such as
Facebook, Twitter, and LinkedIn, along with the
rapid growth of other types of online discussion
forums, have made it easier for disgruntled workers
to destroy a company's reputation quickly.

It's natural for business owners to want to limit
the negative impact of such technology. However,
an overly restrictive social-networking policy that
infringes on workers' rights to privacy and to communicate among themselves can land an employer in
legal trouble. Read more


What are gay people's rights in the workplace?


Many people are surprised to discover that the
main federal law against job discrimination
- known as Title VII - doesn't apply to gay
people. It covers job discrimination based on race,
color, ethnicity, sex, and religion, but it doesn't apply
to sexual orientation.

But that doesn't mean that gay people have no
rights in the workplace against discrimination and
harassment. It's just that the law is more complicated. Read more


Weight discrimination could be cause for a lawsuit


Discrimination against an employee because of
obesity may violate the Americans with Disabilities
Act, according to the federal Equal Employment
Opportunity Commission. And this is true regardless
of whether the obesity is caused by an underlying
physical disorder. Read more


Non-compete may not be valid after a merger 


Six insurance agents in Ohio signed non-compete
agreements with their agency, saying that they
wouldn't compete with the agency or solicit business from its clients for two years after they left work.

The agency then underwent a series of business transactions in which it merged with other agencies and ended up being owned by another company.

After the six agents left work and began soliciting clients, the new company went to court to stop them, claiming that they had violated the non-compete
agreements. Read more


Harassment at work need not be sexual to be illegal


When a female employee brings a lawsuit for a
"hostile work environment," it typically means that
the employee was sexually harassed. But harassment can be illegal even if it isn't sexual, the Minnesota Supreme Court recently decided.

For example, in that case a female school
custodian claimed that her supervisor regularly
criticized the work of female employees, prohibited
female workers from talking to each other when
not on break, and required female workers (but
not male workers) to report by radio when they
were taking their break. Read more


Disabled worker didn't have a right to unplanned absences


 A disabled employee doesn't necessarily have a
right to take unplanned days off from work, a federal
appeals court in San Francisco has decided.

The case involved a part- time nurse working in a hospital's neonatal intensive care unit. The nurse suffered from fibromyalgia, a condition that limited her sleep while causing chronic pain. Read more


About Our Law Firm


The Brown Law Firm, LLC was established in 2001 as the Law Offices of Graeme S.R. Brown to provide high quality, cost effective legal and business guidance to companies and individuals. Drawing on Attorney Brown's significant experience in business transactions and employment law, the Firm provides practical advice and informed legal counsel. Business law should make business sense.


The Brown Law Firm, LLC
464 Common Street, Suite 354
Belmont, Massachusetts 02478
Phone: (617) 489-0817


View our Disclaimer here



"In giving advice, seek to help, not please your friend."

-- Solon

Greek statesman/poet


Legal Tip of the Quarter


Sexual humor in the workplace


Massachusetts law prohibits sexual harassment in the workplace. Sexual humor and similiar acts can be considered sexual harassment. These types of jokes can create a hostile work environment, which can make employees feel uneasy and uncomfortable. 


Other things that can contribute to a hostile work environment can include sexual comments, inappropriate touching, sexually explicit photographs or emails, sexual gestures, persistent requests to date, invasive questions about the employee's romantic partners, and physical touching.


If you feel that you have been a victim of sexual harassment, report it immediately and contact us for legal representation.


State law requires that employers with six or more employees adopt a written policy against sexual discrimination, but it would be advantageous for every business owner to have a written policy. If you have a business and your business does not have a sexual harassment policy in place, contact us and we can create one for you.




BLF wins 6-figure award at American Arbitration Association




Recently the Firm won a 6-figure award for a business litigation client at the AAA.The case involved a 3-day hearing and turned on expert witness testimony with respect to business valuation. Let us know if we can assist you with any business dispute or potential conflict.


Praise from our Valued Clients...


Click here to visit the testimonial section of our website where clients have provided their thoughts on our legal services.


At the Brown Law Firm, we strive to provide our clients with resourceful, creative and strong representation.


We Welcome your Referrals


We value all our clients. And while we're a busy firm, we welcome all referrals. If you refer someone to us, we promise to answer their questions and provide them with first-rate, attentive service. And if you've already referred someone to our firm, thank you!


Connect with Us

 Like us on Facebook

Follow us on Twitter

View our profile on LinkedIn

Visit our blog

Introducing the Brown Law Firm

The Brown Law Firm, LLC (BLF) was established in 2001 as the Law Offices of Graeme S.R. Brown in Cambridge, Massachusetts to provide high quality, cost effective legal and business guidance to companies and individuals. Drawing on Attorney Brown's significant experience in business transactions and employment law, the Firm provides practical advice and informed legal counsel. Business law should make business sense.

Graeme has more than 20 years of executive level experience, with 7 years as senior counsel to NASDAQ and NYSE listed companies, 5 years in private law practice and, prior to law school, 14 years working with various financial services entities including National Westminster Bank PLC and Fleet National Bank.  A founder of 2 businesses and member of a financial services company's Board of Directors, Attorney Brown’s expertise includes corporate contracts, governance, ethics, licenses, M&A, public real estate development/procurement, public bidding practice, employment litigation, litigation management, and facility accessibility issues. Clients include public agencies, corporations, acquisition groups, businesses and individuals.

Practice Areas

Business Law.  BLF helps owners of businesses from formation of the business, through development and growth stages to planning succession of ownership.  Planning is essential to protecting assets, minimizing liability and avoiding unnecessary challenges.  Extensive business experience is essential for effective business representation.  BLF can help your business succeed with the following services:  Business Formation; Board of Director Selection; Bylaws Review; Insurance Protection; Sales Contracts; Purchasing Agreements; Licensing Agreements; Stockholder Agreements; Asset Purchase and Stock Purchase Agreements.

Business Litigation.  BLF represents business clients aggressively in litigation matters with an emphasis on cost-effective representation.  Business litigation should make business sense. There is little point in winning the battle but losing the war through excessive fees or an insufficient damages award/settlement.  We handle breach of contract, valuation disputes, unfair and deceptive business practices and other areas of controversy including employment discrimination cases.  We practice assertive pre-trial litigation, obtaining attachments, TRO’s, and protective orders where appropriate.  Where possible we explore resolutions through mediation, arbitration or settlement negotiations.  We have successfully represented plaintiffs and defendants in complex litigation.

Real Estate and Construction.  BLF assists individuals and contactors in all facets of real estate ownership and development whether residential or commercial.  We have experience in public transportation construction issues including procurement and public bidding, transit oriented developments (TODs), parking garages, transit stations, easements and facility accessibility issues. 

Personal Injury.  BLF levels the playing field when taking on a large company or organization for harm caused to you or your family.  The client’s interests are paramount.  Lost earnings, medical bills, property damage and other costs can be recovered through aggressive litigation, sensible negotiation or alternative dispute resolution approaches.  We are always prepared to go to trial but in many instances a pre-trial settlement can mean a significant savings of time and money for our clients.

For assistance with your business and employment law needs, please contact Ashley at the Brown Law Firm today at 781-248-5006 or


Dawn Oulton, Health Coach - Helpful Tips on Making time for your health

Helpful tips on making time for your health

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Healthful Horizons | Dawn Oulton, Health Coach

Do you ever feel like you just don't have enough time? Do you find that taking care of yourself falls last on your list? If you are a little short on free time lately, I encourage you to try some of the tips below. With a bit of practice, you will find yourself with more than enough time to make your health a priority. You'll be glad you did! 
Be well,

Multiply Your Free Time!

I once had a fantastic boss who was always striving to “work smarter, not harder”, and encouraged me to do the same. It’s a concept that has stuck with me, and I think of it often when clients share with me that they just don’t have time to cook healthy foods or go to the gym or do any of the other things that support their health goals.
Why is it that some people seem to get everything done effortlessly while others are always playing catch-up? The ones who understand how to “work smarter” have no more hours in their day than the rest of us, but they practice certain techniques that maximize the effectiveness of their time.
This week, try one of the following time management strategies: 

  • Identify your three top priorities each day and focus on them; everything else is secondary
  • Schedule your tasks in your personal calendar, just like a doctor appointment!
  • Plan to work on your top priorities during the time of day when you are at your peak
  • Eliminate interruptions while you are working on your priorities (turn off the TV, phone, email, Facebook…)
  • Group similar tasks together, such as running all of your errands on the same night instead of sprinkling them throughout the week
  • Periodically pick one non-essential task that you will stop doing; either delegate it, pay someone to do it for you, or let it go

Watch your free time multiply, and plan how you’ll use the newly freed minutes to take care of yourself!

Food Focus: Time Savers

Eating well can mean a LOT of time shopping for, cooking, and packing healthy meals. Here are some ideas you can try to "work smarter" when it comes to food:

  • Make a grocery list - Knowing what you need before you go to the grocery store can save you from wandering around aimlessly once you get there. 
  • Group your list - Try organizing your grocery list according to major sections of the store to minimize backtracking; I group my list by "Produce", "Meat/Dairy", and "Dry/Canned/Frozen".
  • Cook double batches - If you live alone, cook for two; if you have a family, always prepare enough to have leftovers.  That way, you have a meal to heat or bring to work, without spending more time in the kitchen.
  • Pack everything at once - If you prepare lunch for work or school, try packing multiple days worth at once.  Enjoy the free time on your days off!

Forward to a Friend


Upcoming Events

Nourishing Body and Soul
October 15, 7:30 p.m.
Christ Church, Andover, MA
Kick the Sugar Habit!
October 17, 6:30 p.m.
Back to Roots Chiropractic and Nutrition, Rochester, NH
Kick the Sugar Habit!
October 26, 6:30 p.m.
Get Fit With Amanda, Dracut, MA


Recipes of the Month:

These autumn root vegetable recipes can easily be doubled or tripled for time-saving leftovers:

Health Coaching

  • Do you struggle with weight gain, fatigue, allergies, or other nagging health concerns that you never get around to addressing?
  • Do you spend so much time caring for others that you struggle to take care of your own health?

Contact me for a complimentary introductory health coaching session! You'll have the opportunity to talk about your life and the health goals you'd like to accomplish. It's a chance to be heard and to get a sense of what it feels like to receive support around your health.

This conversation could very well be a turning point in your life!

Friends of Kevin Guest Blog Post from Linda Delong - Four Everyday Essentials, One Must-Have Kit

Four Everyday Essentials, One Must-Have Kit

It’s no surprise that people want to achieve good health. Everyone’s looking for ways to ensure that they’re getting proper, balanced nutrition and fueling their bodies with what they need. Sometimes, though, the process of creating a balanced wellness routine can be confusing and overwhelming. Market America, however, has good news for those who want to simplify their supplement routines.


Since it was launched, the Isotonix® Daily Essentials Kit has received a phenomenal welcome in the marketplace. With four products chosen to help create a solid foundation of supplementation, this kit can help support lasting wellness. Purchased as a set, the price represents a significant savings over purchasing each item separately.

The Isotonix Daily Essentials Kit provides the foundational support of Isotonix Multivitamin without Iron, which helps maintain normal immune functions while also helping to compensate for deficiencies common in the American diet. To help facilitate physical and mental energy, Isotonix Activated B Complex supplies this vital nutrient group in its most biologically available, easily absorbed form. Isotonix Calcium Plus provides the well-known support for both bone health and healthy body weight, along with providing the important promotion of normal hormonal production and activity. Finally, Isotonix OPC-3® helps maintain healthy blood glucose and cardiovascular health, while also fighting off free radicals.

Creating a balanced supplement routine and supporting health and wellness is simpler than you might think. The Isotonix Daily Essential Kit can help make it easy. Find out more information by visiting SHOP.COM/shop to the future and searching for Isotonix Daily Essentials, or contact Linda DeLong at (978) 877-3246.

Keep your computer running at peak performance with RCS Computer Solutions.

Your computers, laptops, printers, and internet access are the backbone of your business and personal social media activities. Ron Couming of RCS Computer Solutions, can and will ensure you systems, home and business, are running at peak performance. Free of any Adware, Spyware, Malware and Viruses that have gotten past your antivirus. Data Recovery, Internet and System Security, and more. 978 606 5432

Pay Yourself First—and Regularly—With Dollar Cost Averaging from Matthew Schwartz of Schwartz Financial

LPL Independent Investor

September 2012


Pay Yourself First—and Regularly—With Dollar Cost Averaging


To remain financially responsible, everyone must pay bills on a regular basis. These bills include mortgages, utilities, car loans and credit cards. Unfortunately, many people do not also heed the oft-quoted advice to pay themselves first.


The reality is that a steady saving and investing plan is sometimes necessary to help pursue such financial goals as paying for a wedding or new car, buying a house and funding retirement. One strategy that can help you develop a systematic investing plan, while potentially saving you money and easing your mind along the way, is dollar cost averaging (DCA).


DCA Defined

Dollar cost averaging is a technique in which investments of defined amounts are made on a regular basis.1 As a long-term, disciplined strategy, DCA can help you take advantage of the benefits of compounding to potentially build a sizable sum.


Aside from offering a disciplined, trouble-free way to save and invest, another potential benefit of using DCA is that it ensures that your money purchases more shares when prices are low and fewer when prices are high. Over time, the result could be that the average cost to you may be less than the average share price. For example, consider the accompanying chart, which shows the result of investing $50 in stocks every month for 12 consecutive months.2


As you can see, every month the share price fluctuates a bit, and by the end of the 12-month per iod, your $600 would have bought you 42.7 shares. The average price per share, as calculated by adding up the monthly price and dividing by 12, would have been $14.25. However, the average cost that you would have actually paid, as calculated by dividing the total amount invested by the number of shares, would have been $14.05 per share. Over the years, this method could potentially save you a lot of money.


The Benefits of DCA


Share Price

Shares Bought





































Total Shares


Average Price Per Share


Average Cost Per Share using DCA



Dollar cost averaging also can offer the psychological comfort of easing into the market gradually instead of plunging in all at once. Although DCA does not assure a profit or protect against a loss in declining markets, its systematic investing “habit” helps encourage a long-term perspective, which can be soothing for people who might otherwise avoid the short-term volatility of riskier, but potentially more profitable, investments, such as equities.


And last, DCA may help you make savvy investment decisions if you stick with it. For example, if your investment rises by 10%, you will likely post big gains because of the shares you have accrued over time. And if it declines by the same amount, take comfort in knowing that your next investment will purchase more shares at a less expensive price—shares that may regain their v alue and even exceed the higher price in the future.3


Regular Investing Makes Sense

As a long-term strategy, you may find DCA can help to potentially lower your average cost per share, while allowing you to feel more comfortable during uncertain markets. Keep in mind, however, that you should consider your ability to purchase over long periods of time and your willingness to purchase through periods of low price levels.


1Periodic investment plans do not assure a profit and do not protect against loss in declining markets. Dollar cost averaging is a strategy that involves continuous investment in securities regardless of fluctuating price levels of such securities, and the investor should consider their financial ability to continue purchasing through periods of low price levels.


2Source: Standard & Poor’s. Stocks are represented by the S&P 500 index.


3Past performance is no guarantee of future results.


This article was prepared by S&P Capital IQ Financial Communications and is not intended to provide specific investment advice or recommendations for any individual. Consult your financial advisor, or me, if you have any questions.


Because of the possibility of human or mechanical error by S&P Capital IQ Financial Communications or its sources, neither S&P Capital IQ Financial Communications nor its sources guarantees the accuracy, adequacy, completeness, or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. In no event shall S&P Capital IQ Financial Communications be liable for any indirect, special, or consequential damages in connection with subscribers’ or others’ use of the content.


Tracking # 1-095838


Matthew M. Schwartz

Financial Consultant


Schwartz Financial Services, Inc.

3 Baldwin Green Common #209

Woburn, MA 01801

Friends of Kevin Guest Blog post from Jack Wang - Have you considered this?

Have you considered this?


When meeting prospective clients, I’m often asked about the difference between term and permanent insurance.  Of course, most people simply think that perm is more expensive than term, and that’s the whole story.  

A nice introduction to insurance can be found on the LIFE Foundation website.  This is a non-profit dedication to educating consumers about life and other forms of insurance.  

The link is here.  Or if you prefer a video, click here.


While you can find lots of articles on the internet about the merits of term versus perm, very few articles I’ve seen actually consider these other important items:


1.      How much do you really need?


Most people I’ve dealt with tend to underestimate – probably because of optimism and probably because of cost.  They figure, heck, the spouse can go back to work.  But they forget to account for the cost of day care.  Or the fact that on 1 income, now the ability to save for college is basically gone.


And have you tried to find a job in this economy???


I always encourage everyone to estimate need a little high.  Consider this example:  If you want to buy something that costs $10 and you $11 in your pocket, you can buy the item and it’s not a big deal.


But if you lose a few dollars, and now only have $9 and can’t buy the thing you wanted, now it’s a big deal.


Or in the example with auto insurance – no one ever said that they wished their insurance only covered part of their accident repair instead of covering the entire amount.


A little extra coverage doesn’t hurt.  But too little coverage can be really painful.


2.      How long do you really need the policy?


Here again – probably for the same 2 reasons – people tend to underestimate.  One of the most common scenarios is that most people want to have their life insurance pay off their mortgage in the event of death.


The thinking goes – I have a 30 year mortgage, so I’ll get a 30 year term policy.  The coverage will last as long as the loan.  Great!


Well, the average mortgage only last about 7 years.  People refinance to build an addition, or to consolidate debt, or pay for whatever large purchase comes up.  Or simply to lower the payment.


So now, the mortgage is back to 30 years.  But the insurance is down to 23 years.  And chances are, the homeowner will refinance again in the future.  That insurance need has become permanent!


Think about it – how many people do you know who have actually paid off a 30 year mortgage?


Regardless of what you want to cover, often what people think is a temporary need is really a permanent need.


3.      How healthy are you really?


Health obviously plays a big role in the cost of insurance.  Every insurance company looks at health slightly differently.  Some prefer only very healthy people.  Others will insure people with medical conditions.  Just like banks.  Banks vary in the type of loans they will approve.


However, if you apply to a bank for a loan and are turned down, you can simply apply to another bank.


Not so with life insurance.  Once you’ve been turned down, it becomes extremely difficult to obtain insurance.


After helping a client determine the proper amount, the client went ahead and applied for insurance on her own.  Well, while she was quite healthy at the time, she forgot about a medical condition she had years ago, and it actually caused her to be denied.


And now this mom to a 6 year old daughter can’t protect her family.


Or if she really wanted coverage, she could probably get something, but at a very high cost.


So what does this all mean?


Well, life insurance can be quite complex and as a result, there can be a lot of pitfalls.  It’s not as simple as going online and buying a policy.  And it certainly goes beyond a simple term versus perm comparison.


If you’re serious about protecting your family, then take the time to work with an expert who can help make the process very simple.


Your family’s well being depends on it!


September is Life Insurance Awareness Month.  How are you protecting your family?


Take part in my poll about life insurance on LinkedIn.  The link is here.



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T. Jack Wang
M.E.R.J. Financial Group 
voice - 877-226-4157

fax - 877-226-4157