88% of People Make New Years Resolutions, Here’s How To Keep Yours

Are you one of the American’s in the 88th percentile who sets at least one resolution?

Resolutions are well-intentioned, but most people fail at keeping them.  We live in a throwaway society and even our resolutions aren’t immune.  On average only 20% of us keep our resolutions. Check out these tips for achieving your goals.

  •   Make a game plan.
  •  Break it down and make it less intimidating.
  •  Ask friends and family members to help so you have someone to be accountable to.
  •  Reward yourself with each milestone.
  •  Don’t do at it alone.
  •  Get professional assistance, sometimes a friend just isn’t enough.

Best Wishes for a happy and healthy new year!

Learning From My iFailures


Our lives are on our smartphones.

The data we keep on them has great sentimental value because they’re every parent’s primary way of capturing precious family memories, such as videos of an adorable child singing pop songs in the car. But our smartphones also store other sensitive information that is valuable to hackers, like passwords and financial information.

What happens when we don’t have access to our smartphones for an extended period of time? (Or if something happens to us and someone else can’t access something important on our phones?) We feel powerless. We might even freak out.

Recently, my iPhone broke. I had dropped the phone too many times and it was on its way out anyway. But I wasn’t ready. I thought I had more time. And worst of all, I discovered that I had underestimated the impact of its sudden failure and overestimated the extent of my digital backup for my family photos.

While I have systems in place to protect my work-related information, I had gotten a little lax on preserving items on my personal smartphone. In doing that, I risked losing access to cherished family photos and other sensitive information. I also uncovered another issue, two-factor authentication. Many websites have two-factor authentication, with a text message going to your phone when you try to log in from a different device. If you have to access a website or re-set a password, not having access to your text messages is a big problem!

Fortunately, my phone was repaired and the most that I suffered was some inconvenience. And I vowed to share this experience with you, because what I experienced as serious implications for family disaster planning.

Ask yourself these questions to evaluate your risk of iFailure. 

  1. Does your spouse know the passwords to your phone and computer?
  2. If you have an app that saves your passwords, where is your backup located? Who else has access to the main password?
  3. Do you routinely move your photos to the cloud or other storage methods? If so, who else has access to those locations?
  4. Which of your devices are set up to receive text messages or two-factor authentication when you’re logging in from a new device or changing a password?
  5. Have you changed your telephone number in the past year? If so, have you updated all of your accounts that require two-factor authentication?

This article is a service of attorney Myrna Serrano Setty. Myrna doesn’t just draft documents, she helps folks make informed and empowered decisions about their life and death, for their sake and their loved ones. That’s why Myrna offers a Life and Legacy Planning Session, during which you’ll get more financially organized than you’ve ever been before, and make the best choices for the people you love. You can begin by calling her office today at (813) 514-2946 to schedule a Life and Legacy Planning Session and mention this article to find out how to get this $500 session at no charge

The Conversation of a Lifetime


Black and white close up of serious old man with wrinkles removing glasses in Tournai

This holiday season, as we spend quality time with our extended families, consider spending some extra time with your older relatives, to learn more about your family’s history and life’s lessons. If your loved ones are ok with it, you can even record those conversations so that you can share them with future generations.

These opportunities are precious, and if you ask the right questions, you can learn things that you will take with you for the rest of your life.


Use these carefully cultivated questions as a springboard to embark on that priceless conversation.

  1. What did you love to do as a kid?
  2. What do remember most about your teenage years?
  3. What do you remember most about your parents?
  4. How did you meet your spouse? How did you know (s)he was the one?
  5. How did you choose your job/career? What was your favorite part about it?
  6. What did you believe about yourself that helped you become successful and deal with hard times?
  7. What do you remember about when I was born?
  8. Were you ever scared to be a parent?

9. When you think about your spouse, how would you describe her/him?
10. What have you learned about people in life?
11. What do you think the world needs more of right now?
12. What do you believe people want the most in life?
13. What are you most proud of?
14. What are you most thankful for?

These questions can reveal a wealth of valuable life lessons – family treasures to share with generations to come. That is why Myrna’s law firm now offers a recorded Family Legacy Interview with every estate plan that she designs.

If you or someone close to you needs guidance in planning for your future, contact Myrna at (813) 514-2946. Myrna can guide you in creating a comprehensive estate plan that protects and preserves what matters most to you. This article is a service of The Law Firm of Myrna Serrano Setty, P.A.  Myrna doesn’t just draft documents, she helps you make informed and empowered decisions about life and death, for yourself and the people you love.