Create a Powerful Morning Routine

Looking for long-term success? Some of the most productive people throughout history -- from Benjamin Franklin to Steve Jobs -- put useful routines into practice the moment they woke. Just as a financial plan must be customized for each person, so should your morning routine. Personalize the details to suit your goals and lifestyle, and leverage new technology and time-tested wisdom to establish a healthy, lasting habit.

Focus on the Physical
For your mind to perform at its peak, your body must be well maintained and have energy to fuel your brain. This starts with eating a nutrient-rich diet and reaping the benefits of regular workouts. Caring for your mind and body as a daily, long-term practice can help guard against deterioration and illness. Because poor health can be expensive to fix with doctor visits, medication and procedures, it's smart to invest in preventive care.

Automate the Hard Parts
When it comes to optimizing your ideal morning routine, you now have many mobile app options that can do some of the heavy lifting for you. For example, if you're not an early riser by nature, consider an alarm clock app that can sense the optimal time to wake you up, or take advantage of curated playlists filled with energizing tunes chosen specifically to get your blood pumping.

Reflect and Engage
Each morning gives you a fresh start, so use it to ruminate and act on your personal priorities. Whether that's spending some quality time with the family or enjoying a quiet meditation before the busy day begins, aim to bring a better sense of work-life balance and perspective to the tasks before you.

E. CARTER MORRIS IV, AIF
ATTICUS ASSET MANAGEMENT // President, Chief Investment Officer
EMAIL ecmorris@atticusassetmanagement.com
PHONE (404) 907-1899
ADDRESS 3399 Peachtree Road, Suite 439 Atlanta, GA 30326

Carter MorrisComment
3 College Rankings Worth Considering

With higher education costs escalating faster than traditional inflation, it's important to treat the college selection process as the serious investment it is. Whether you, your child, grandchild or other loved one is researching colleges and universities, calculating the actual value of higher education can help whittle down the options and justify the escalating costs. Here are three interesting metrics to consider:

  1. Total Debt at Graduation -- Earning an undergraduate degree is a crucial milestone, but starting a new life chapter saddled with tremendous debt can disrupt that momentum. States and institutions can take different approaches to student loans, so pay attention to the student debt trends at each university or college to set realistic expectations.
  2. Alumni Earnings Above Expectations -- While U.S. News & World Report provides a popular college ranking list each year, the minds behind The Economist created their version with a unique, finance-oriented premise. The magazine's first-ever ranking of four-year, nonvocational colleges is based on how much money graduates earn compared to how much they could have made had they studied elsewhere.
  3. Highest 4-Year Graduation Rates -- While overall graduation rates matter, the ideal situation is earning the degree in as little time as possible since college costs can skyrocket as more semesters are added. Looking at graduation rates for those who completed college in four years can help prospective students find campuses with similar work ethics.

College is a booming business, and it's critical to consider the financial impact from a variety of angles, especially if your goal is to help yourself or someone else on the path to lasting success.

E. CARTER MORRIS IV, AIF
ATTICUS ASSET MANAGEMENT // President, Chief Investment Officer
EMAIL ecmorris@atticusassetmanagement.com
PHONE (404) 907-1899
ADDRESS 3399 Peachtree Road, Suite 439 Atlanta, GA 30326

Carter MorrisComment
How to Deal With Financial Anxiety

When unexpected or worrisome financial news hits, what do you do? Constantly checking your portfolio can derail you from long-term goals, while having zero awareness of your finances can lead to reckless overspending or other bad behavior.

Information travels faster than ever these days, and it's easy for investors to feel alarmed or panicked about finances when they read the headlines. Get a handle on financial anxiety with a few helpful strategies.

  • Start to see others' fears as opportunities. When the markets go down, investments can lose value and appear on sale. That's when some say it's time to buy rather than sell. Whatever you choose, zoom out on S&P 500 charts to get some perspective and look at the long-term picture.
  • Revisit your goal-based investment plan regularly but not necessarily in response to world events. Sometimes all it takes is a check-in to remember why you have a particular portfolio set up just so. If changes must be made, consider timing them with significant life events like a birth, death, career move or change in marital status.
  • Begin incorporating mindfulness techniques and meditation into your daily life. Not only are these practices ideal for reducing anxiety and stress, which can lead to larger health conditions that are expensive to treat, but they can also improve cognition and concentration.

With the potential for more volatility on the horizon as markets tend to fluctuate during presidential election years, there's no time like the present to practice taming financial anxiety with the above suggestions. Employing thoughtful techniques can help you stay balanced and on track, both mentally and financially.

Carter MorrisComment