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7 Reasons You Need More Than A Robo-Advisor

Screen Shot 2015-01-21 at 10.20.33 AMYou may have read about the rise of so-called “robo-advisors,” online investing platforms that use computer-generated algorithms to create strategies and manage your money. 

These platforms provide simple portfolio management with very little human interaction at rock-bottom
prices. With the increasing popularity of these
platforms, you might be asking yourself:

Do I even need a financial representative? 

We think you do. Here are 7 reasons why:

Reason 1 | To Treat You Like a Person, Not Just an Account Number

Robo-advisors use algorithms to fit you into pre-existing strategies based on your age, risk tolerance, and investment horizon. They can’t fully understand your unique needs because they’ve never met you personally.

We put you at the center of everything we do. Our meticulous discovery process thoroughly drills down into your unique personality, goals, and needs. We think clients have better financial outcomes with custom-built strategies.

Reason 2 | We Keep You Involved In Investment Decisions

We emphasize ongoing, personalized communication because we believe informed clients make more intelligent financial decisions. We customize our level of communication to your desires and can present you with as little or as much technical detail as you like. Robo-advisors are targeted towards clients who prefer a hands-off approach to investing – one that does not allow for talking through things face-to-face.

Reason 3 | We Coach, Guide, and Hold You Accountable 

Everyone has different purposes for their money; we help you define it and hold you accountable to the strategies we create together. Think of us as real-life financial coaches or guides.

Robo-advisor algorithms are designed around simplistic variables like age, target retirement date, risk tolerance, and income level. A computer doesn’t care if you reach your goals. 

Reason 4 | We Make Sure Your Financial Strategies Keep Up With Your Life

We proactively monitor your strategies and update them as your needs change. When you pass one of life’s important milestones, we’ll know and make sure your strategies keep up with your life.

Robo-advisors use automated rebalancing algorithms to make changes to your portfolio. They don’t know when you get married, have a child, or buy a house.

Reason 5 | We Provide Knowledgable Answers From Someone You Know

We offer you easy access to an experienced local professional who knows you and understands your situation. Whatever your issue, we can get you the answer you need, quickly and confidently.

Most robo-advisors send you to a help forum or customer service center when you have questions. Even if there is a person assigned to your account, you could be just one of hundreds they speak with every day. 

Reason 6 | We Help You With Tax, efficient investing and insurance Matters Too

We take care of your whole financial picture, not just your investments. We can help you with tax efficient investing and finding the right insurance coverage through our network of professionals.

Robo-advisor platforms are only designed to handle portfolio management. They are not equipped to offer tax-efficient strategies and usually don’t include insurance, healthcare, or real estate in their automated calculations.

Reason 7 | Your Life Is About More Than Investing

We help our clients prepare for all of life’s important financial milestones: a house, paying off debt, funding a college education, a bucket list, vacation, as well as retirement.

Robo-advisors are designed to focus mostly on investing. For our clients, comprehensive wealth strategies are about much more than just their investment portfolio. 

10 Tips for Success

10 Secrets to Success

Tips to Organically Control Garden Pests

fruitsandveggiesIf you grow a vegetable garden, this time of year it can be crucial to your crops to control the critters that like to devour them. You can control deer and rabbits with a fence, but it’s the smaller pests that can present a problem. Some people like to use chemicals, like Malathion, which work very well, but you wind up eating it because the plants absorb some of the chemicals, so here are some healthier options.

Tomato worms, (aka hornworms), and cabbage worms are two of the biggest predators. Tomato worms will devour your tomatoes, but they don’t eat just one, they take a few bites out of one and then move to the next one spoiling many. A control method for these is simply to find them and pick them from the tomato plants. They are sometimes difficult to spot as they tend to be the same color as the tomato vine, but by carefully inspecting the vines you will find them. With cabbage worms, which attack anything in the cabbage family, (Brussel Sprouts, Broccoli) you can have good success with fairly strong soapy water, and also crushed cayenne pepper and water sprayed on the plants. When using the cayenne pepper shake it well and let it sit in your spray bottle overnight. These solutions wash right off of the vegetables and you are not putting chemicals into your body.

25 Apps Helping to Make the World a Better Place



You can search for the perfect way to make a difference even while you’re on the run. VolunteerMatch for iPhone includes opportunities from over 98,463 participating organizations. All your favorite nonprofits are here.


Charity Miles

Just choose a charity and hit the streets. As you walk, run or bike, the app will measure your distance and you will earn money for your charity: 10¢ per mile for bikers; 25¢ per mile for walkers and runners, all courtesy of our corporate sponsors like Timex Sports, Humana and Lifeway Foods.


Donate A Photo

For every photo you share through Donate a Photo, Johnson & Johnson donates $1 to a cause you want to help—which does things like fix up a public park, get medicine for an infant, or help kids play sports safely.


Budge Challenge

Challenge your pals to anything – from a game of chess, to a marathon, to a good old-fashioned seed-spittin’ contest. Whoever loses makes a small donation to a worthy cause. It’s that easy!


One Today

One Today is an app that lets you give a little and change a lot.
• Be inspired: Discover an awesome nonprofit project each day—go ahead and see.
• Donate simply: One project, one button, one good deed a day—you’re a hero, done.
• Spread the love: Share that good feeling with friends—get your donations matched, too.


HTC Power To Give

By downloading HTC Power To Give, plugging in your phone and connecting to Wi–Fi, your spare computing power will become part of an enormous grid, providing processing power to a project you’ve selected from a range across the world.



Each product is scientifically rated on a 0 – 10 scale based on its health, environmental, and social impact. With the app, you can easily browse categories, search for specific products or quickly scan barcodes to see our overall rating.


Check In For Good

Pick a cause, visit a business supporting that cause, check in, they donate, you share, your cause receives a donation, everyone wins.



Using the app you “buy” specific dishes for a minimum donation of $1 that goes to provide full meals or days worth of food for children. Most current restaurants are near the company’s home base of Michigan, but they are looking to expand.



With instead small changes have a huge impact. For example, when you brew your own coffee instead of buying one and donate the savings, you can provide a child in South Sudan clean water for a year.



California has one of the largest homeless populations in the country, and they recently started a program to provide web-enabled phones free of charge to low and no-income individuals. This mobile-optimized site uses location-based services to find the nearest necessities that are open and nearby.


Get Rich Or Die Smoking

Why do you spend so much money on damaging your health? Why don’t you spend this money more reasonably? This app helps you to stop smoking by showing what you can now afford with the money saved.


True Food

The True Food Shoppers Guide gives you valuable information on common GM ingredients, brands to look for—and look out for—and common sense tips to keep you in the know and help you find and avoid GM ingredients wherever you shop.



Free2Work grades are a measure of a company’s efforts to make sure that child and forced labor do not exist in its supply chain.



PaperKarma is the easiest way to cut your paper waste — by taking photos! Simply pull out your phone and snap photos of the offending mail. PaperKarma will figure out what it is and how to stop it.


My Life As A Refuge

In the time it takes to download this game, eight people are forced to flee their homes because of war, persecution, or terror. This game designed by the UN Refugee Agency aims to raise awareness about these issues.


Save The Children Earth Quake Response

Save the Children Earthquake Response is a simulation game that spreads awareness about disaster relief.



This is a blood donation timer. It allows someone who donates blood on a regular basis to keep track of their donation dates.



It’s like a mobile 311. You use your camera and the GPS to alert the government or whoever is responsible about issues of health and safety, then track the progress. Available for all devices and browsers.



iRecycle can tell you how, where and when to recycle just about anything. Using your current location, ZIP code, address or city, get access to vital details for collection points, such as website, phone number, directions, hours of operation and other materials collected.



The HelpBridge app from Microsoft aims to simplify disaster communication by notifying loved ones of your location and status during a disaster. You can also donate to relief organizations and see where volunteers are needed.


Act Of Kindness

Random Act of Kindness helps you chose a good deed to perform, and share it with your friends! You can also donate to worthwhile charities directly through their websites!


Tree Planet 2

Tree Planet 2 is a virtual game that pays for a real tree to be planted for game version. Since the first version of this game was released, Tree Planet has funded over 340,000 real trees in 13 forests. Directions are in Korean but the game is easy to use.



For every food photo taken at a participating restaurant and shared via social media, 25 cents will be donated to the app’s nonprofit parent company, The Lunchbox Fund, which provides meals to students in rural South Africa.


Seafood Watch

Seafood Watch recommendations help you choose ocean-friendly seafood at your favorite restaurants and stores. Our app brings you the most current recommendations for seafood and sushi along with complete information about how each item should be fished or farmed.

Happy New Year!

Happy New Year 2015 Carrington

Mysterious Must Reads


Melmoth the Wanderer by Charles Maturin

Maturin’s story of a man who sold his soul to the devil and is looking for someone to assume his curse takes the form of several stories within stories. At the center is the Tale of the Indians, a manuscript transcribed by a fugitive from the Inquisition as he hides in an underground passage, surrounded by the skeletons of his helper’s — or captor’s — family.



The Manuscript Found in Saragossa by Jan Potocki

A novel written by Polish nobleman and Renaissance man Potocki, written in French it remained unpublished until after the author’s death. Its hero, a French soldier serving in the Napoleonic Wars, discovers a Spanish manuscript full of tales of bandits, gypsies, Moorish princesses, hermits, demons, and mystics.



The King in Yellow by Robert Chambers

This 19th-century collection uses “The King in Yellow,” a play that drives all who read it to madness, to connect its tales of the macabre and supernatural. The book was a big influence on existential horror, and now everyone’s talking about it again since HBO’s True Detective borrowed its Yellow King and city of Carcosa.



Foulcault’s Pendulum by Umberto Eco

Eco’s novel is a mix of pulp and philosophy, and a near encyclopedia of occult history. The book tells a story of three Milanese editors bored with their work so they cook up “the Plan,” a hoax that connects the medieval Knights Templar with other occult groups from ancient to modern times. They create their own manuscript using a computer program that pieces together the elements of the texts under review. Their game yields a theory about a centuries-long revenge plan by the Knights Templar, and a lot of trouble, when the editors become convinced that the story they thought they invented is true.



House of Leaves by Mark Z. Danielewski

The story focuses on a young family, the Navidsons, that move into a small home on Ash Tree Lane where they discover something is terribly wrong: their house is bigger on the inside than it is on the outside. The book itself is oversized and crafted with different fonts, colors, and spacing to incorporate several different texts responding to one another and the mystery of the Navidson family.



The Club Dumas by Arturo Perez-Reverte

 A Spanish novel about Lucas Corso, a book detective, hired to hunt down rare editions for wealthy and unscrupulous clients. When a well-known bibliophile is found dead, leaving behind part of the original manuscript of Alexandre Dumas’s The Three Musketeers, Corso is brought in to authenticate the fragment. He is soon drawn into a swirling plot involving devil worship, occult practices, and swashbuckling derring-do among a cast of characters bearing a suspicious resemblance to those of Dumas’s masterpiece. 



The Thirteenth Tale by Diane Setterfield

A reader begs a secretive author to reveal the thirteenth tale hinted at, but not printed in, her story collection. The author agrees — if the reader will give her three secrets in return. The reader is mesmerized by the author’s tale of gothic strangeness — featuring the beautiful and willful Isabelle, the feral twins Adeline and Emmeline, a ghost, a governess,a topiary garden and a devastating fire. Together, they confront the ghosts that have haunted them while becoming, finally, transformed by the truth themselves.

Happy Holiday!

Carrington Xmas Card

The World’s Strangest Restaurants






Ninja New York  – New York City, New York

Guests are whisked into the subterranean space by elevator, led to the dining area by “ninjas” via a secret path, then brought to the recesses of a feudal castle where each dungeon-like chamber houses a single table with a menu offering the best of Japanese cuisine. The meal concludes with a lengthy magic show from yet another ninja, this time armed with a deck of cards.


Ithaa Undersea, Rangali Island, Maldives

Guests enter the restaurant from above by climbing down a spiral staircase in a thatched pavilion at the end of a jetty. Ithaa is secured five meters below sea level at the Hilton Maldives Resort and Spa, the Ithaa Undersea Restaurant is a mostly acrylic building that only seats 14. Offering a 270-degree panoramic view to its customers.



Dinner in the Sky – Various Locations

This is a unique event is meant for anyone who wishes to add a little thrill to their dining experience. Dinner in the Sky is hosted at a table suspended at a height of 50 meters above ground, serving high end meals.



Cate Café Melbourne – Victoria, Australia

This Cat Café provides a fun, comfortable, and most importantly, kitty filled space for you to relax and play with several lovely cats from rescue shelters. Go in and get your favorite cup of coffee, take a seat and enjoy it while you cuddle and play with several adorable kitties.



Safe House – Milwaukee, Wisconsin

A spy themed restaurant that requires a password to gain entry. Patrons not privy to the secret phrase can also get in by completing a spy “test,” that gets broadcasted inside for all agents already inside to see. Be sure to examine all the special agent paraphernalia that includes surveillance equipment and other high-tech gear. Particularly worth investigation is the fake-cover phone booth where callers can choose from a large selection of background noises when placing an outgoing call.


Modern Toilet – Taipei, Taiwan

Everything in the 2,800-square-foot (260 m2), three-story restaurant is based on bathroom items. You dine while sitting on acrylic toilets, the tables that the meals are served on are bathroom sinks covered with glass tops. Meals are served in miniature toilets, drinks in miniature plastic urinals then ice cream for dessert is served in a dish that resembles a squat toilet.



O.NOIR – Montreal & Toronto, Canada

O.NOIR wants all guests to experience food, drinks and conversations like never before – in complete darkness. Since no flashlights, matches, cell phones, cigarette lighters or luminous watches are allowed in the dinning area, the customer is allowed to completely focus on what they are tasting without any distractions. But O.NOIR does more than just firing the imagination and stimulating the senses. After an hour or two in complete darkness, customers gain a better understanding of what it’s like to be blind – just like the restaurant’s entire wait staff.




Long and Winding Road, Nuremberg, Germany

This restaurant features roller-coaster service, this futuristic restaurant considers waitstaff a thing of the past. You place your own order using a touch-screen at the table. When the food is ready, it zips to your table along a twisting track from the kitchen above.




Disaster Café – Lloret de Mar, Spain

If you were to just look at the Disaster Café from the outside , you would probably think of it as an adorable little diner with an unfitting name. But step inside and the name becomes very fitting. Patrons are taken into an elevator to a cave-like restaurant area AKA “The depth of earth”.

Once there, they are led to their tables by employees donned in hard hats and all sorts of safety equipment to protect themselves against falling objects during the giant 7.8 strength earth quakes interrupt your meal.

7 Tips To Help You Do What You Don’t Want To


Life would be great if we only had to do the things we really wanted to do everyday.

Unfortunately, if that were the case the dishes, yard work, and paying bills would never get done. All the achievements would be thought of, but not brought to life.

So what should we do if we’re facing something we don’t want to do? Run away? That could work, or we can just find a way to just get it done and over with.


Instead of giving in to distraction, sit there for a minute. Why do you need to do you need to do this? Why don’t you want to do this? Most can answer with,  I need to do it because I was told to, or we know if we don’t get it done nobody else will and we might not want to do them because, it’s hard, or boring, or one of the many other excuses we tell ourselves. The question we rarely ask ourselves though is, who is this going to help if we do this? Dig deeper and find the good that you’re doing by completing this task. If you’re a dishwasher, you might not think getting dirty dishes clean matters, but those dishes are required to serve food, and the food nourishes people and it can make them happy and then they can go out and do something good in the world with a smile on their face. So find a way to connect your task to something good.


Let go of the ideal that the “good” life is free of discomfort, confusion, embarrassment, imperfection. That’s not reality, just fantasy, and it’s getting in your way by causing fear. So let go of the fantasy, the ideal, the expectation. And just embrace reality: this task before you, nothing else.


Life is going to suck sometimes, and that’s perfectly fine. Embrace all of life, thorns and pits and all. Life would be boring without the suck. So smile, embrace the suck, and get moving.


We tend to fight against restraints, without any restraints there is unlimited freedom which means unlimited choices, unlimited distractions, and nothing gets done. Simplify by putting restraints on yourself: do just this one task for now. Do it for 10 minutes. Forbid yourself from going to any other websites or checking anything on your phone or doing anything else that you like to do for distraction, until you do those 10 minutes.


Get those 10 minutes over with. Then get up, get some water, stretch. Pat yourself on the back for getting started! Now do a little more: write a few more sentences, spend 15 more minutes. Get up, take a mental break (don’t go to another website), do a few pushups. Go back, do a bit more. Pretty soon, you’re in the flow of it.


The task may suck, but there is always a silver lining. For example, if you’re doing it for work, hey, you have a job! You have money to buy food and shelter! You have eyes and ears and a mind to do this task! Imagine life without all these things, and then try feeling sorry for yourself for having to do something so hard. Or, instead, try being grateful for the opportunity to do some good in the world, to learn from this task, to get better, to be mindful as you do it.


By meditating on your intentions and fear, by letting go of ideals and embracing the suck, by giving yourself constraints and finding gratitude … you’re learning about yourself. This task, as mundane or scary as it might seem, is teaching you about your mind. That’s a wonderful thing. So this task is a huge learning opportunity. What a wonderful way to spend your time!

Monthly Subscriptions You May Not Know Exist




It used to be that the only monthly subscriptions we could get were to our favorite magazines. We have come along way sense then and what you may not know is that now-a-days, you can get a monthly subscription to just about any of your favorite things.


Below is a list of just a few that you may not have known existed.

Bacon of the Month Club

What you get: two new varieties of 1lb gourmet bacon

Cost: $49.95/mo, free shipping

Beer of the Month Club

What you get: four different beer styles, three bottles of each style

Cost: $40/mo, includes shipping


What men get: 3-4 personalized grooming samples, plus a full-size lifestyle product that has been tailored to fit your personal profile. You’ll get to test drive products from cult brands, industry upstarts, and everything in between.

Cost: $20/mo, free shipping

What women get: 4–5 personalized beauty and lifestyle samples that have been tailored to your profile. You’ll get to try products from niche brands, up-and-coming lines, and everything in between.

Cost: $10/mo, free shipping


What you get: four or more carefully selected presents for your dog, could include toys, bones, treats, hygiene products or new gadgets.

Cost:$18/mo, free shipping

Wine of the Month Club

What you get: 2 different bottles of wine

Cost: $31/mo, includes shipping

Coffee of the Month Club

What you get: You can choose whether you want to receive one coffee in each delivery, or whether you’d prefer to sample three different coffees in each delivery.

Cost: $24.99/mo, free shipping

Cheese of the Month Club:

What you get: 3 varieties of ½ lb Artisan cheeses

Cost: $47.00 /mo, shipping included

Green Kid Crafts

What you get: 3-4 award winning Creativity and STEM Science Kits (science, technology, engineering, and math)

Cost: $21.55/mo, free shipping

Sock Panda

What you get: one or two pairs of new socks

Cost: $12.00/mo for 1 pair, $24.00/mo for 2 pairs