Wednesday, January 31, 2018

Job and Jonah....

I finished up reading the Book of Job last night and then read Jonah this morning. What stood out to me about both books was the reminder that God is in charge and that I’ve spent way too much time in life worried about things outside of my control. The following scripture from the end of Jonah pretty much sums it up……

But God said to Jonah, “Is it right for you to be angry about the plant?”
“It is,” he said. “And I’m so angry I wish I were dead.”

But the Lord said, “You have been concerned about this plant, though you did not tend it or make it grow. It sprang up overnight and died overnight. And should I not have concern for the great city of Nineveh, in which there are more than a hundred and twenty thousand people who cannot tell their right hand from their left—and also many animals?”Jonah 4:9-11

Tuesday, January 30, 2018

Napoleon Hill Quote....

Keep your eyes and ears wide open – and your mouth closed, if you wish to acquire the habit of prompt decision. Those who talk too much do little else. – Napoleon Hill 

Monday, January 29, 2018

Enlightenment Now....

From Bill Gates latest blog post I received via email today….

Steven Pinker’s new book tracks violence throughout history and applies it to 15 different levels of progress to paint a holistic picture of how and why the world is getting better. And despite what the media tells us, a lot of things are better now than they’ve ever been. For example:

1.     You’re 37 times less likely to be killed by a bolt of lightning than you were at the turn of the century—and that’s not because there are fewer thunderstorms today. It’s because we have better weather prediction capabilities, improved safety education, and more people living in cities.
2.    Time spent doing laundry fell from 11.5 hours a week in 1920 to an hour and a half in 2014.This might sound trivial in the grand scheme of progress. But the rise of the washing machine has improved quality of life by freeing up time for people—mostly women—to enjoy other pursuits. That time represents nearly half a day every week that could be used for everything from binge-watching Ozark or reading a book to starting a new business.
3.    You’re way less likely to die on the job. Every year, 5,000 people die from occupational accidents in the U.S. But in 1929—when our population was less than two-fifths the size it is today—20,000 people died on the job. People back then viewed deadly workplace accidents as part of the cost of doing business. Today, we know better, and we’ve engineered ways to build things without putting nearly as many lives at risk.
4.    The global average IQ score is rising by about 3 IQ points every decade. Kids’ brains are developing more fully thanks to improved nutrition and a cleaner environment. Pinker also credits more analytical thinking in and out of the classroom. Think about how many symbols you interpret every time you check your phone’s home screen or look at a subway map. Our world today encourages abstract thought from a young age, and it’s making us smarter.

5.    War is illegal. This idea seems obvious. But before the creation of the United Nations in 1945, no institution had the power to stop countries from going to war with each other. Although there have been some exceptions, the threat of international sanctions and intervention has proven to be an effective deterrent to wars between nations.

Sunday, January 28, 2018

2017 Final Goal Chart/Results/Lessons Learned....

I realize yesterday’s post was mundane (some would say they all are), but I had gotten away from a daily plans, which were based on my monthly goals, which allowed me to have my most successful year to date in many areas of my life. For 2017 I set some ambitious goals and achieved the majority of them. I will detail a few of my higher level targeted goals below that I decided to track with the chart above:

·       Net Worth: This was the best motivational goal I’ve used with regards to personal finance. (And for the record, I only use home value, retirement, other investments and savings to account of assets in this chart. Vehicles, furniture, jewelry, etc. change and/or decrease in value too often to include them. Additionally, I only want to include items which are fairly liquid, in my calculations.) Once we were out of debt and able to start contributing to assets (investments/real estate) that increase in value instead of liabilities (cars/credit cards/all other debt) that decrease in value, it was amazing how quickly our monetary worth began to increase. And once that occurs, it is so much easier to do more positive things with money, like the scholarship foundation I created, along with doubling my giving/contributions budget in 2018. Final gain was 28% for the year.

·       Debt: Want to get excited about paying down debt? Create a chart or a pictogram or anything else you can see every day and then watch progress as you hit your monthly targets. We put more than 50% of our income towards debt the first 11 months of 2017, and this was after ‘burning the ships’ and putting all but $1,000 of our savings towards debt back in January. Final gain was the elimination of all debt.

Weight: I made great strides through October before I started putting my ‘winter coat’ back on after feeling like I was looking too skinny in the face. Going forward, I will be using body fat and various measurements to evaluate progress, which I then have to determine how to put into graph form. Final gain was 4.8% decrease in weight.

Saturday, January 27, 2018

Saturday Projects/Random Thoughts....

Productive day today so far….

·       Got up at 5:30 AM
·       Bible study with Kadar
·       Read article from The Economist
·       Did exercise from Think and Grow Rich
·       Read 10 more chapters from the Book of Job
·       Meditated
·       Mailed package to son’s dorm room
·       Worked on brick walkway
·       Picked up Sam’s card
·       Blew yard and transplanted moss

On the way to work yesterday, a driver came flying up on my rear end and stayed there. There was nowhere for me to go due to traffic. Eventually, I got over in the right lane just to avoid getting rear-ended. The driver came around me and sat there alternately smoking and then coughing, then repeating the cycle. The scene made me think back to losing my father to lung cancer early in life. I hope this person finds the strength to change habits before their family has to suffer through the pain of losing a loved one has been on my mind ever since….

Tuesday, January 23, 2018

T.R. Quote....

We must all either wear out or rust out, every one of us. My choice is to wear out. – Theodore Roosevelt

Sunday, January 21, 2018

Weekly Retrospective....

What I’m reading:  The Book of Matthew and Think and Grow Rich by Napoleon Hill ….

What I’m listening to:  Side Hustle podcasts

Where I’m failing: Morning routine (but I’m getting better by using lists) ….

Where I’m succeeding: Saying no ….

What I’m grateful for: Life and where I am right now ….

Quote that has me thinking:  The opposite of a true statement is a false statement, but the opposite of a profound truth is usually another profound truth. - Niels Bohr

What I’m excited aboutThe next 49 weeks of 2018! ….

What I’ve been pondering: How to help the members of my family and tribe be as successful as possible ….

Saturday, January 20, 2018

The Last of the First....

The Tanzanian Hadza, or Hadzabe, are some of the last hunter-gatherers on earth and still live in the ‘Cradle of Mankind.’ The Hadzas are not closely related to any other people via DNA and, despite efforts by the government and outsiders, continue to live a foraging existence. 

Wednesday, January 17, 2018

FSA = Free Money....

After seeing that I spent about $2,200 out of pocket/above premiums on medical expenses last year (co-pays, deductibles, etc.) and knowing I’d be making some additional trips to the doctor this year for my shoulder, I decided to allocate $2,400 towards an F.S.A. (Flexible Spending Account) for 2018. Read the link for information, but in laymen’s terms, I’m essentially not paying taxes on those contributions that I will spend when going to the doctor, getting lab work, etc. The drawback is that I lose any money not spent, but I know based on past history and current health that I will spend the amount designated. My first check was proof this was a good idea, as $100 was added to my account, but only $65 was taken out of my paycheck. That comes out to $840 this year I won’t have to give the federal government to mismanage, but will instead be well-spent. Check it out, as you have up until March 15 to enroll still….

Tuesday, January 16, 2018

Richard E. Boyd Quote....

As a longtime student of polar exploration, I enjoyed an article today on Richard E. Bird, a Navy Admiral who spent five months alone in Antarctica in 1934. Following is a quote that rings true to any man…..

Real peace comes from struggle that involves such things as effort, discipline, enthusiasm. This is also the way to strength. An active peace may lead to sensuality and flabbiness, which are discordant. It is often necessary to fight to lessen discord. This is the paradox. – Rear Admiral Richard Bird

Monday, January 15, 2018

Martin Luther King Jr. Quote....

If you can’t fly then run, if you can’t run then walk, if you can’t walk then crawl, but whatever you do you have to keep moving forward. – Martin Luther King Jr.

Sunday, January 14, 2018

Weekly Retrospective....

What I’m reading:  Muscle and a Shovel by Michael Shank ….

What I’m listening to:  We Study Billionaires podcasts

Where I’m failing: Morning routine ….

Where I’m succeeding: Staying positive ….

What I’m grateful for: Family and friends ….

Quote that has me thinkingWhoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously. –      II Corinthians 9:6

What I’m excited aboutThe next 50 weeks of 2018! ….

What I’ve been pondering:  My non-profit and how to best help people going forward….

Friday, January 12, 2018

For Real Estate and Personal Finance Needs....

Check out my man, GW, for all things real estate, as well as personal coaching to get your finances in order so that you are fiscally ready to make the most important purchase of your life…

Thursday, January 11, 2018

Ben Franklin Quote....

An investment in knowledge always pays the best interest – Benjamin Franklin 

Sunday, January 7, 2018

Weekly Retrospective....

What I’m reading:  The Legacy Journey by Dave Ramsey ….

What I’m listening to:  Chris Hogan podcasts

Where I’m failing: Prioritizing ….

Where I’m succeeding: Rough draft of historical fiction completed ….

What I’m grateful for: Friends who hold me accountable ….

Quote that has me thinking:   Everyone should be quick to listen, slow to speak and slow to become angry – James 1:19

What I’m excited aboutThe next 51 weeks of 2018! ….

What I’ve been pondering: Getting over The Crud so I can get back in the gym ….

Friday, January 5, 2018

Thursday, January 4, 2018

Chad Howse....

Be sure to check out my man, Chad Howse, via his website and some of his videos, talking all things masculine….

Wednesday, January 3, 2018

Boudicca ....

“…you will see that in this battle you must conquer or die. This is a woman’s resolve; as for men, they may live and be slaves, and captive, but I shall not.” - Boudicca

Queen of the Iceni tribe of modern-day East Anglia, Britain, the female warrior Boudicca led a revolt against Rome in 60/61 CE. The Iceni King, Prasutagus, an independent ally of Rome, divided his estate between his daughters and King Nero of Rome. When Prasutagus died, however, his lands were taken by Rome and the Iceni lost their status as allies. When his wife, Boudicca, objected to this action she was flogged and her two daughters raped. She mounted a revolt against Rome which left the ancient Roman cities of Camulodunum, Londinium and Verulamium in ruins and over 80,000 Roman citizens of Britain dead. She was defeated at the Battle of Watling Street by the Roman Governor Gaius Suetonius Paulinus chiefly by his judicious choice of battlefield and allowing her army to cut off its own escape route by encircling their rear with their wagons, animals and families. Boudicca is said to have committed suicide by poisoning herself after her defeat.

Tuesday, January 2, 2018

Budget Tips...

Just a few basics of budgeting….

·       Record your expenses: It helps to write down everything you’re spending money on so that you’ll know how to create your budget. Create basic categories for various expenditures.

·       Make the budget: Once you know what you’re spending on, trim the fat and tell your money what to do instead of it bossing you. And track it every month.

·       Save for an emergency fund first: Everyone needs 3-6 months put away just in case…

·       Create other short and long-term saving goals: Then what do you need? An upgrade in car? College for the kids? A family vacation? Start saving and paying cash for these ticket items.

·       Establish ratios and stick to them: Last year I lived on 35% of my bring home pay, paid 35% toward debt, saved 17% and gave away 13%. This year I’m looking to live on 35%, save/invest 50% and give away 15%. Doing it is a different animal, but the goal will help keep me honest.

·       Use the right tools for the goals you’re trying to accomplish: is a free online tool to help you create and stick to a budget. Dave offers great advice and opportunities to get in contact with local investment advisers who can help you. And reach out to my friend Tyrone at as well....

Monday, January 1, 2018


Check out my good friend, Tyrone, and his new investment company, which leverages a macroeconomic and value investing approach to generate long-term returns for his shareholders.

And, as always, Tyrone leads by example, with the majority of his personal assets invested in East Point Investments….