Craig Ruvere

You’ve probably never heard of the word “phubbing” before, but I’d wager to say you’ve applied what it means with some regularity. On Psychology Today, Emma Seppälä, Ph.D. writes, “Phubbing is the practice of snubbing others in favor of our mobile phones.” In other words, when someone is having a conversation with you or a small group, you’re on your cell phone pretending to listen. Such practice was originally thought to be linked to inconsiderate and entitled teenagers who had little to no understanding of what it means to be respectful. But phubbing no longer discriminates by age as 40 somethings and even 70 somethings now practice it consistently on their cell phones and smart watches regardless of whose company they’re in. A Time magazine article states, “Several studies have shown that…

During this global pandemic, many financial experts have offered advice on how much money should be in your emergency fund. Popular responses range from three to six months, with famed personal finance expert Suze Orman bucking that trend and recommending eight months. In her recent LinkedIn post, Orman says, “I have long told everyone to build an eight month emergency fund. And my goodness, I get plenty of blowback for that. The critics say it is too much and too impossible.” I offer the following statistics from a CNBC article on why Americans struggle to save for retirement, by contributor Steve Adcock. Adcock says, “A 2019 report from Ladder, a life insurance company, found that the average adult spends $1,497 per month on non-essentials. That’s roughly $18,000 a year on things…