I’m Back


It’s been a long time since I posted on my site, but I have been pretty busy working a 9 to 5 and spending a lot of time trying to figure out how to beat the market. 2013 was an excellent year for me in the markets hitting gains of more than 100% in several stocks.

One of them being Tesla (TSLA) I remember being stuck in traffic in DC one day and seeing this beautiful red car with California license tags and a T emblem on its trunk. It made me so excited, that I went home and Googled it. It was like no other car I had ever seen. It was all electric but not in a electric go cart type of way but a full size luxury car.

Then I had found out that it won Car and Driver’s Car of the Year for 2013 and when I checked the stock price it went from the 30′s to the 90′s in the blink of an eye. I wanted to invest in what I saw as the future, so I bought some shares at 92 as I continued to do homework on the company.

There I found that the founder was Elon Musk a very successful businessman in the way Steve Jobs was. A visionary with an reality distortion field. He was one of the guys behind PayPal.

I am not an analyst or giving advice on the stock market, but like to share my thoughts.

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Why Time is Our Greatest Currency

While health and money are important currencies I think time is the most valuable. Why you ask? Because everyone has the same amount. Sixty seconds in a minute, 60 minutes in an hour and 24 hours in a day. While it doesn’t guarantee you health, if you spend time educating yourself on how to effectively take care of your health, by allotting time to eat a balanced diet, and getting the proper exercise and rest you certainly can attain the best health possible.

The same goes for wealth. Proper focus on budgeting and buying assets that throw off cash flow instead of getting into debt certainly works to free up time for the more important things. When we die, people won’t be talking about how much money you made in 1999, but will be concerned how you were able touched there lives by the time you spent with them. So don’t just sit there, do something great. We must not simply be passengers in the game of life but we much be the pilot of our destiny and making efficient use of our time to do the things that matter will determine success or failure.

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Quotes For Your Health

Enjoy some of my favorite quotes on health. If you don’t mind, I would love it if you appreciate these collection of quotes to comment on your favorite quote and why? When I get 3 posts (excluding my own) I will then end my blogging strike and make a new entry about my favorite quotes and why.

Take care of your body. It’s the only place you have to live. – Jim Rohn

Life expectancy would grow by leaps and bounds if green vegetables smelled as good as bacon. ~Doug Larson

Health is a state of complete physical, mental and social well-being, and not merely the absence of disease or infirmity. ~World Health Organization, 1948

Health nuts are going to feel stupid someday, lying in hospitals dying of nothing. ~Redd Foxx

The best six doctors anywhere
And no one can deny it
Are sunshine, water, rest, and air
Exercise and diet.
These six will gladly you attend
If only you are willing
Your mind they’ll ease
Your will they’ll mend
And charge you not a shilling.
~Nursery rhyme quoted by Wayne Fields, What the River Knows, 1990

He who takes medicine and neglects to diet wastes the skill of his doctors. ~Chinese Proverb

If you have health, you probably will be happy, and if you have health and happiness, you have all the wealth you need, even if it is not all you want. ~Elbert Hubbard

People who are always taking care of their health are like misers who are hoarding a treasure which they have never spirit enough to enjoy. ~Laurence Sterne

When it comes to eating right and exercising, there is no “I’ll start tomorrow.” Tomorrow is disease. ~Terri Guillemets

Gold that buys health can never be ill spent. ~Thomas Dekker, Westward Ho, 1604

A healthy body is the guest-chamber of the soul; a sick, its prison. ~Francis Bacon

Doctors are always working to preserve our health and cooks to destroy it, but the latter are the more often successful. ~Denis Diderot

Health is a relationship between you and your body. ~Terri Guillemets

So many people spend their health gaining wealth, and then have to spend their wealth to regain their health.– A. J. Reb Materi

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Time Quotes You Should Consider…

Please take the time to meditate on these timeless quote on the subject itself. If you find one quote in particular that made your day I would love it if you would leave a comment. Thank you.

Time is what we want most, but what we use worst –William Penn

Time = life; therefore, waste your time and waste of your life, or master your time and master your life –AlanLakein

The bad news is time flies. The good news is you’re the pilot –Michael Altshuler

Time is the coin of your life. It is the only coin you have, and only you can determine how it will be spent. Be careful lest you let other people spend it for you – Carl Sandburg

In truth, people can generally make time for what they choose to do; it is not really the time but the will that is lacking – Sir John Lubbock

Those who make the worse use of their time are the first to complain of its shortness – Jean De La Bruyere

The key is in not spending time, but in investing it –Stephen R. Covey

Time is at once the most valuable and the most perishable of all our possessions – John Randolph

Take care of the minutes and the hours will take care of themselves – Lord Chesterfield

Time is the most valuable thing a man can spend – Laertius Diogenes

Time is a great healer, but a poor beautician –Lucille S. Harper

Time lost is never found again– Benjamin Franklin

All the flowers of all of the tomorrows are in the seeds of today –Chinese Proverb

You can’t catch one hog when you’re chasing two – Moe Schaffer

Money is a wonderful thing, but it is possible to pay too high a price for it – Alexander Bloch, American conductor

We can no more afford to spend major time on minor things than we can to spend minor time on major things –Jim Rohn

Half our life is spent trying to find something to do with the time we have rushed through life trying to save. –Will Rogers

Time is a great teacher, but unfortunately it kills all its pupils – Hector Louis Berlioz

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Wonderful Money Quotes

Here are some money quotes, please leave a comment on which quotes hits closest to home on how you view money, thank you.

Money was never a big motivation for me, except as a way to keep score. The real excitement is playing the game- Donald Trump

The darkest day of any man’s life is when he sits down to plan how to get money without earning it- Horace Greeley

A wise person should have money in their head, but not in their heart- Jonathan Swift

A bank is a place that will lend you money if you can prove that you don’t need it-Bob Hope

Whoever said money can’t buy happiness didn’t know where to shop-Gittel Hudnick

“Money does not change men, it only unmasks them-M. Riccoboni

I’d like to live as a poor man with lots of money–Pablo Picasso

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Harness the Power of Compounding Interest

Compounding interest is the greatest mathematical discovery of all time- Albert Einstein

Albert Einstein is well known for his genius thought provoking equations such as E=MC2. Sure that equation hit the world up literally with the invention of the atom bomb, that changed how people defined mass destruction forever. But he also helped the world understand the power of compounding interest otherwise known as the 8th wonder of the world.

Some people learn this very early in there lives and it’s one of the secrets of old money. How so? Well suppose I was to give you a choice. I could give you one million dollars outright or give you a magic penny that doubled in value every day for a month, which loot would you take? If you knew nothing about the power of compounding interest you would quickly take the one million dollars and get out of Dodge, probably.

But if you went the magic penny route, guess how much money you would end up with at the end of a month? How’s $10,737,418.23 sound after 31 days? This should really make you consider investing in a 401k if it’s available at you place of employment or an Roth IRA for the self employed, where a few thousand dollars can end up turning into a few million thru time.

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It’s All About the Cattle!

It is very hard to fool people when it comes to your character. Are you sincere, caring, trustworthy, and loving? You will soon be found out because people will judge you by what you do for them. In fact, you can learn a lot about a person by a simple handshake, or whether they can look you in the eye. But how easy it is to fool people about all things money.

Why is this so? Because money is a taboo subject for most people. People feel uncomfortable talking about it. How much money do you make, how much did you pay for your house? Is that your car or are you renting it? People shy away from answering such questions because it is so easy to lie about your finances. You probably seen folks who look financially responsible because of the designer brands they are showcasing in their lives. The BMW, Rolex or Coach bag. But looks are decieving. There are people who are leasing vehicles, and spending money they don’t have in an attempt to go in unnecessary debt to buy status. In Texas, they call this predicament being all hat and no cattle.

The funny thing is, a good portion of the 20 percent of Americans who are not living pay check to pay check give the appearance that they are very average. The majority of people that are on the other side don’t understand why these people are not living in a bigger house or not driving a more expensive car if they can afford it. Better yet, they don’t understand why you can’t help them get the things that you have because they think you can afford it.

If you are making 100,000.00 a year but spend money like you are making 125,000 a year you are living a lie. And 77 percent of Americans are lying to themselves by living paycheck to paycheck. The rule of thumb is the ability to save at least 10 percent of your paycheck. So if you are making 100,000 net income after taxes a year, you should be budgeting to spend no more than 90,000 a year annually. In ten years, even if you did nothing with your money which would be a shame, you still would have 100,000 dollars in your piggy bank.

Something profound happens when you have a financial reserve that you can fall back on. You feel better about yourself and your ability to help others rather than showcasing fancy watches or handbags. If you want to attract the right things in your life start by adopting these principles, because it’s all about the cattle baby! Cheers!

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The Beauty of a Budget… Lets You Buy More Assets.

What I love about a budget is that it scales with your ability to generate more cash flow. When you give tips to people like cut out Starbucks and don’t eat out, you have those folks who shoot back at you, well, do you do these things? Well frankly, no, a general rule of thumb is your cash flow determines this. You see, if your in the 77 percent who are living paycheck to paycheck, you have a cash flow problem and need to be more practical, plain and simple. The beauty of a budget is that it helps you capture the excess cash and gives you the ability to put it to work for you to generate more cash flow.

You see taking a second job is not the only way to generate cash flow. This could be anything from selling things on eBay, to buy stock in new innovative products that didn’t exist five years ago. (Example= Apple (Aapl) Which if you invested $10,000 four years ago, with the advent of the iPhone and iPad, that $10,000 is now worth $40,000.00) Or buying a home in a depressed market at a depressed price. NICE!

In conclusion, anything that you buy and is now worth more than when you bought, it is an asset. Buy more assets. Assets will add to your income and allow you to scale your budget and allow you to spend more liberally while still being able to pay your bills. But what you will learn is that when you see how powerful acquiring assets are, you will soon learn to curb your desires for expensive conpsumption items. What a beautiful relationship wouldn’t you agree?

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Percentage of People Living Paycheck to Paycheck Up Drastically in 2010: 5 Steps To Improve Your Situation

In a survey in 2010, 77% of people were living paycheck to paycheck. That a sharp increase from 63% in 2009 and 49% in 2008. So if this is the case, how do you get out of the red and hit the black! You take immediate action. Start buy cutting your grocery bills. Reading this blog is very good but it is useless if you are simply reading this info and nodding your head in agreement but take no immediate action.

1. Buy Food In Bulk. Eating out may be convenient, but it is a killer on your budget! You can spend 7 dollars easily on lunch when at work but let’s say you do that for 3 meals a day. That would be 630 dollars a month and that’s just one person!! You must learn to spend money on food wisely.

2. Drink Water Instead of Soft Drinks. Water is free, it is also healthier for you. You might also receive energy gains from this. Take care of your body and it will take care of you.

3. Cut out snack foods, by not going to the grocery store hungry. Chips, Cookies, and Ice Cream, may elevate the mood initally but they gook up your system and are costly. Replace these items with fresh fruits and vegetables. Again a big investment in the energy department.

4. Brown bag your lunches. This is crucial to retaining you control over your budget!!

5.Coupons, Coupons, and more Coupons. You don’t think they make a difference? This video will make you a believer for real!!

You can literally eat thru your budget, follow these steps and take back control of your moolah!

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Save More Money By Swallowing Your Pride

Once you have gotten into the mindset to budget effectively and learn to keep expenses down like a responsible business, now it’s time for the fun part!! Increasing your ability to earn! What holds people back for maximizing in this area? It’s that ugly 5-letter word, pride. You see some folks are more concerned about their image than what a job or opportunity is paying them.

You have those people that proudly wear their caps with some Fortune 500 logo, seeking to get respect by association. They go to work dressed in a suit or dress and think that eventually they will move up and make big bucks by learning to be good employees by doing what there told. The bad news is that this only happens if you work for the government. I kid.

It’s much easier to look at industries that pay very well but may not be that socially acceptable. Case in point, what if I were to tell you that janitors on the whole make more than teachers? Check out this report. Teachers start out at 45,000 while janitors were at 80,000. I’m sure that many people are saying that it’s much more fulfilling to be a teacher than being a janitor, but how many people are working unfulfilling jobs right now and not making their net worth simply because there pride is getting the best of them? Food for thought.

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