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A Message from Ebenezer Scrooge

December 2017

This month, Guest Columnist (substituting for Bryan Kelly of The Kelly Group) is Ebenezer Scrooge. Scrooge, a long-time business owner and former miser, is now an active philanthropist and chairman of the Tiny Tim Foundation.

I bet you’re sick and tired of hearing my name bandied about each year at this time. Hey, I appreciate the publicity as much as the next guy. But sometimes I feel people miss the point of my story. This year, I’ve decided to take matters into my own hands and impart a few words about what I learned from my experiences:

• To understand yourself, you must understand your past. My transformation began once I was reminded what a lonely child I was, and how much I miss those who loved me the most. With knowledge and acceptance, you can forgive yourself for past mistakes and heal emotional scars.

• It’s never too late to change, particularly when it comes to your attitude about how money fits into your life. I was a miserable coot and as old as dirt before I realized that accumulating money isn’t about the money itself, but the good things you can do with it.

• While the potential for constructive change lies within you, it often takes an external force to trigger that change. I wouldn’t recommend waiting around for three incorporeal spirits to show up at your bedpost before you alter your bad habits. A financial advisor can be a far less spooky catalyst for improvements in how you make financial and life decisions.

• Christmas is celebrated one day a year; the spirit of Christmas should be celebrated 24/7 – with kindness, generosity and laughter. Especially laughter.

You can thank me for these pearls of wisdom by finding your own Bob Cratchit to whom you can extend a helping hand. Of course, the wisest words of all come from Tiny Tim: “God bless Us, Every One.”
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Securities offered through Cambridge Investment Research, Inc. a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc. a Registered Investment Advisor. The Kelly Group and Cambridge are not affiliated. 54 East Gordon Street, Bel Air, MD 21014.