Blog
Welcome to our Personal Finance Blog
Money bewilders most of us. How to spend it, save it, invest it, and how to best protect the person who makes it.
These questions we all face daily — a puzzle we all attempt to understand and solve just about every day. Yet despite money's centrality to our lives and businesses, it's something we all grapple with, and mostly in private.
- Money is the 'Lord Voldemort' of topics — feared by most and mentioned by a few. It's oddly uncomfortable to discuss socially and rarely even with our partners, parents, and children.
Perhaps that's because managing our money and life's risks inevitably involves the fusion of both the emotional and practical aspects of our decision-making processes. The most difficult of questions are those with both economic and emotional answers.
Our educational Personal Finance Blog is for people who want to grow and remain wealthy. And while the journey toward wealth is clearly marked, you still have to be looking in the right direction.
At Sapience, we're all about The How.

Empty words and missing statements
In a recent interview, I was asked for a copy of my company’s mission or values statement. Eek! Making a mission statement is something that I’ve resisted for some time so you can imagine my awkwardness at their request and the resulting exchange about why I don’t have one.
Don’t get me wrong, I have a written business manifesto of what I believe to be true, I have a clear brand essence document and I even have a detailed customer, supplier, and staff journey mapped out. Just not a mission statement.

Passion must be supported by Expertise
What does speaking truth to power and your small business marketing have in common? They each depend upon your ability to influence and capture the hearts and minds of the listener, if just for a moment.

Have you considered the increased risks of working with multiple business owners?
Being in business is about finding a way to work well with others.
This is essential if you want to increase your skills, broaden your reach, extend your creativity or just amplify your ability to deliver a needed product or service to your customer.
It's common knowledge that working with others in your business can accelerate your success.
What's often not talked about is working with others can also amplify your risks.

Business Social Responsibility (BSR)
Perhaps big businesses with big budgets and big personalities like Buffett, Gates, Oprah or just a word that's really hard to spell?
But where does Small Business fit into the conversation about philanthropy, business social responsibility (BSR) and giving back to the community in meaningful ways?

We are what we repeatedly do. Excellence then is not an act but a habit ― Aristotle.
For more than 10 years I enjoyed a successful career in law. Today, when many people learn about my previous position and see the noticeably different life I’m now seen to be living, it’s not uncommon for many to inquisitively ask the same question. ‘Don’t you miss all that now?’
- Working smarter not harder is bad advice
- Asking great questions is better than finding simple answers
- When was the last time you were propositioned?
- Our communities need leaders now, not promises of money later
- Are you solving the wrong problem with the right answer?
- What does it feel like to be wrong?
- Give with your head more than your heart