LIVE BOLDLY!

Don’t DREAM it, BE it!

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Almost a year ago, on Sep 10, 2017 at 9:58 AM I launched my blog.

My first article was The 52 Week Challenge, and the purpose of that first post was to serve as both an introduction, and as a source of encouragement. Every Labor Day Weekend I enjoy a fun-filled vacation at the shore in Ocean City MD. It’s my ‘happy place’. If you followed the advice of that first post, by saving away just $25 every week, then you too should have been able to afford a fantastic getaway vacation to a destination of your choice. This year I spent even more days at the shore going down every weekend in August. I jet skied and even parasailed for the first time. I had a blast being 800 feet in the air, strapped to a parachute, while being towed by a speedboat.  

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I was not always as wealthy as I am today, but I did not get to where I am by accident. I helped myself by reading self-help books and studying the habits of highly successful people. The knowledge I gained helped me grow as an individual and I’ve changed for the better as a result.

For years, I tried imparting the wealth building tips and tricks to friends and family, but sadly many of them ignored my well-meaning advice. I want everyone to be happy and successful. Now, through the magic of the world wide web, my blog posts have been read by people in 48 countries around the world. Hopefully each and every person who visited this past year found some useful and encouraging tidbit they could utilize in their own personal journey.

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Climb every mountain 
Ford every stream 
Follow every rainbow 
‘Till you find your dream…

“Climb Ev’ry Mountain” Song from the  1959 Rodgers and Hammerstein musical The Sound of Music.

We all have dreams of a better life and a prosperous future. These things don’t happen by accident and rarely are they handed to us. We need to work hard and plan if we want to be successful in our endeavors. Sometimes, this means long shifts at the day job. But if you’re working to have just enough to cover your bills, your dreams will disappear in a cloud of smoke. I’ve known people who toiled away at dead-end jobs, or who took meaningless ‘promotions’ that were paid little more than their underlings, but were filled with nightmare time demands and far more responsibilities.  I’ve had co-workers who died young from fatal heart attacks due to stress. My own father died at 57, never living to see retirement. Life is too short to be miserable.  If you’ve worked at the mall, or waited tables for years because ‘you like it’, or ‘it’s easy work’, then the only thing you’ve accomplished is to help someone else fulfill their dream.

It amazes me when I hear people advocating for a higher minimum wage because they can’t live on minimum wage. Minimum wage was never intended to be a ‘living wage’. I do understand that sometimes it’s hard to find a better paying job. When I was in college, I worked three different minimum wage jobs each week. I applied for my current job five times, and went to eleven interviews before I was hired, as a temp! The entire time I spent working multiple minimum wage jobs, I was doing little more than working or sleeping, but the point is that all the while I was also seeking the better paying job and actively pursuing it.  I never considered staying at any of my low paying jobs longer than necessary than to establish my credentials and prove that I was deserving of better jobs with higher salaries.  I also never gave up striving to improve myself.

You need to examine your life, as well as your financial situation. It’s the quality of the time you spend living your life vs. the quantity of time needed at work to reach your goals. A minimum wage job will not cut it.  The purpose of a minimum wage job is to provide training to a new employee, establish a work history, show responsibility, and prove dependability.  No employer will retain or promote a new employee who constantly displays irresponsible behavior, or a lack of dependability. If you have a history of quitting jobs, finding employment will also be challenging. No one is going to hire someone who is going to quit shortly after being hired. Your reputation is important.

Your attitude and charisma will open almost as many doors as who and what you know.

For several years now, I’ve been trying to establish a coffee shop. I’ve done a lot of research and leg work on the subject  as I’ve been building my resources. There have been several false starts. I’ve scouted more than a half dozen potential locations, and met with several potential allies. Three years ago, I received a phone call from the owner of a property I was actively and aggressively attempting to lease. I believed that this location in downtown Reading PA was a prime location as it was located near a movie theater, a community college, and a art gallery, as well as a block away from the bus terminal.
After several phone messages to the number on the leasing sign went unanswered, I crafted a courteous and well-worded business letter, which I mailed to the property owner, along with my business card and a very nice stainless steel coffee mug bearing my cafe logo.

Two days later, I received a personal phone call from billionaire department store tycoon Al Boscov. That ten-minute phone call was the most uplifting and empowering message I have ever received.

Mr. Boscov told me that he was impressed by all I had accomplished thus far, and that he was very proud of me. I can’t tell you what it meant to me to hear those words from such a successful businessman. Even thinking about it today brings tears to my eyes. It was like hearing the words of validation and praise I longed to hear from my father, had he lived long enough to see the man I grew up to become.   Words have power, and you can change the course of a person’s entire life when you give them encouragement and guidance at a crucial juncture.  Although I THOUGHT that the location was ideal, Mr. Boscov gave me several reasons why it was not as great a location as I believed it was. If a billionaire philanthropist tells you a location is not good, you listen. He saved me from a potential bad investment which I was too inexperienced to see. Before he ended the call, he told me that if he found a prime location in the city that he thought was suitable for a cafe, I would be the first person he called. I was on cloud nine for months after that phone call.  Sadly, last year Mr. Boscov passed away from cancer on Feb. 10th, 2017 at the age of 87.  Although I never met the man in person, I will never forget his kind grandfatherly voice, or the wonderful words he said.

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To dream the impossible dream,

To fight the unbeatable foe,

To bear with unbearable sorrow,

To run where the brave dare not go.

“The Impossible Dream (The Quest)” Song Andy Williams from the musical Man of La Mancha.

Don’t quit!

Life is not a destination, it’s a journey. As you travel down the road of life, you will meet many people who will try to discourage you, or dissuade you from pursuing your dreams. Just as it is important to examine your life, it is equally important to examine their lives. Always consider the source. Never take advice from people who are less successful than yourself. You’ll encounter many a wise guy or know-it-all who is filled with anecdotes, but has little results to show to back up their stories. That’s why I studied the habits of highly successful people and learned from their examples.  Knowledge is power, and the more you know, the easier it is to see through charlatans and phony pundits.

Always keep in mind that the hopes and dreams of these detractors and naysayers died long ago.

Because they were not successful, they don’t want you to be successful. Because they are poor, they don’t want you to be rich.  You’re smarter and better than them, and they are just jealous. Don’t let these emotional vampires suck the hope and dreams out of your life.

You will also encounter many false starts and set-backs as you pursue your dreams, but the important thing is to persevere! Don’t quit! Quitters never win, and winners never quit. Sometimes the end of one opportunity is the beginning of another. As I mentioned previously, I’ve scouted a half dozen possible cafe locations which all fell though, including one that was 99% a sure thing until someone threw a monkey wrench into the deal.  I’ve lost some money in the process, but it’s only money. You’ve got to spend money to make money and the knowledge I gained in the process provided me valuable insight.  My coffee shop dream is on hold at the moment while I regroup and rethink how next to proceed. I have not given up and continue to build up my cash reserves in preparation.   

As for the immediate future, I plan to edit, collate, and adapt the past 52 weeks of blog posts into an e-book. Not many people read blogs, but there are people who will download an e-book into their tablet to read,  especially if it’s inexpensive, so I might be able to reach a broader audience with my message.  If you’ve been reading http://www.InstantCoffeeWisdom.com from the start, then you’ll have read 100% of what the potential e-book will contain. Sales of the e-book will hopefully add a second revenue stream towards eventually opening That  Coffee Place.  I’m not sure what other financial topics to cover in the coming weeks, I’ve covered everything I’m familiar with, and I’m running out of ideas.  I’d love to hear any suggestions on money topics you’d like my opinion on.

“Do all the good you can,

By all the means you can,

In all the ways you can,

In all the places you can,

At all the times you can,

To all the people you can,

As long as ever you can.”

― John Wesley

We will not be young forever, nor will we live forever. Enjoy your youth and take advantage of as many exciting and fun opportunities as life presents. Collect memories, not things. Go places, try new things, meet new people and leave your mark on life. Be the best person you can be, and treat everyone with fairness and kindness, even the ones who don’t deserve it. You could be the bright light that leads that person from their dark place.     Make the world a better place when you leave it than it was when  you entered it. Experience in person all the great things that life has to offer, don’t live vicariously through others, or waste your life addicted to your electronics. Take pictures and record your adventures!  There’s so much more to see of life when you don’t waste your time staring down at your smart phone   constantly texting, tweeting, or playing game apps.

As always I wish you success and happiness!

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Say Cheese!

Don’t Lose Those ‘Kodak’ Moments!

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Louis Daguerre produced the first daguerreotype (an early photo process) when he shot an image of the Boulevard du Temple, Paris in 1838. Film cameras didn’t develop until 1888 when Kodak invented his film process. In 1900, the $1.00  Kodak Brownie camera was introduced, and modern photography was born.  For most of the twentieth century, photography was pretty much the same. Cameras may have varied from company to company, some boasting better optics, wider shutter length settings, or built in eclectic flashes, but they all used film. Eastman Kodak pretty much dominated the market, but some swore Fuji Film was more vivid. The drawback of film is that you had to send it out to be developed at a film lab, and  then wait for the prints to arrive in the mail, or at the FotoMat booth, or the drugstore.  If you were willing to invent in a home dark room, and the chemicals needed, you could do it yourself, but most folks were content to leave it to the professionals. The only other alternative was the Polaroid instant camera. Like the early daguerreotype, the Polaroid process produced an instant print that was one of a kind, it had no negative, the print WAS the print, the only existing copy. If you wanted to copy a Polaroid photo, you needed to have the original photographed with a film camera, and of course there was slight loss of quality as this was a copy of a copy.

Today, more pictures are shot in a single year than in all of the last century. Each year over a trillion pictures are taken thanks to smart phones with built-in cameras.

Back in My day…

I have maybe five photographs of my father. My mother didn’t take pictures, she was never a photo bug. There were a few years when she arranged for a professional photographer to come to the house for baby pictures to be taken, or family portraits, but she couldn’t be bothered to buy a simple camera. The few pictures she horded were given her by family and friends, but most of those were lost as we moved like gypsies after she lost her second husband, my stepfather.

After my stepfather Alfred died, my mother had a boyfriend named Bill. In reality, this was a teenage crush that she bumped into many years down the road. He was a shutter bug, and owned a Polaroid Instamatic Camera.  That was the first camera I ever used.

Years later, when I was about 12, my aunt Arleen gave me a Kodak Instamatic. Essentially Kodak had copied the Polaroid Instant Camera and were sued into dropping the new clone from their production line. You were able to buy the film for it for a little while, but eventually it was totally obsolete after the film stock expired and new film wasn’t manufactured.

My second job was working for Olden Camera in NYC, in their computer department. It was then that I purchased my first real 35mm camera, a Nikkon automatic. This point and shot camera was pretty simple to use and lasted many years. Eventually I did get a ‘real’ camera, a Minolta SLR with various lenses and accessories.  It was a lot of weight lugging about that loaded camera bag of accessories, and it was annoying trying to explain all the settings and how to use the camera when I passed it to someone to shoot if the self-timer function was impractical and I wanted to be in the picture. Then disposable cameras came about, and I started using those as everyone knew how to work them.  The point is, from the time I brought my Nikkon in the 80’s, for  nearly twenty years I shot 35mm film.  I have boxes of negative files, and envelopes of prints, as well as photo albums.

For almost the first thirty years of my life, you were limited to film cameras, and the most you could shoot on a roll was 36 exposures. So when you went somewhere and saw something that you wanted to remember forever, you selectively shot one or two photos of it at most, because you had limited shots, and buying film, and getting it processed and printed was expensive.

Nowadays,  most of what we shoot is digital, and we send the pictures we want to share in e-mail or texts.

The sizes of the digital storage media has even changed, with most of the early media obsolete.  Yet, because the photos are digital we are taking more pictures than ever because smart phones  have built in cameras that are getting better with each new model. You still take better pictures with a dedicated digital camera than you do with a smart phone, but  even I will use my phone to take pictures if it’s all I have on me.

Pictures have value. We prize them and treasure them.

A couple of years ago, I lost a SD card with pictures that were not yet copied to my hard drive.  I was packing to return from a trip to the shore, and I think I left it on a table at the hotel. It was never recovered.  If you use a digital camera like I do, back it up frequently if not after every photo shoot. Even if you use your phone to take pictures, copy the data.  Theoretically, smart phones back-up their data to the cloud, but I still don’t trust that. This is why it is vitally important to frequently back-up and copy all your image files. If your electronics suffer a catastrophe, you don’t want to compound the blow by losing your precious ‘Kodak’ moments.  

Pictures, or it ‘never happened’!

Organize your old prints and negatives. A few weeks ago, I was searching for some old vacation photos from 16 years ago, I needed an image, and I could not find either the prints or the negatives. It was very frustrating. It’s probably packed away in a box somewhere in the bottom of the walk-in, but damned if I know where.

  • Frequently copy your media cards.
  • If you have obsolete media, copy the data off the cards while you still have an appropriate reader. Media is useless if you can’t access it.
  • if you have old Polaroid’s or prints, scan them into a digital file.
  • If you have old negatives, invest in a good quality negative scanner and digitize them.

The time, money, and effort you put into preserving your treasured photos will be returned when you can locate and share your Kodak moments. As Always I wish you success and happiness!

Help Yourself!

Are self-help books all they’re cracked up to be?

 

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If you walk into any decent bookstore, you’ll notice that a large section of the store is devoted to self-help books. Self help books usually fit very nicely into three inter-related categories:

  • Wealth
  • Health
  • Relationships

Depending on one’s  personal situations, one of these three categories may be more important to you than another, but from my personal view point wealth (or financial stability) is the lynch pin that holds the other two components in place. The stress and worry associated with poor financial decisions will ruin both your health and your relationships.   Fighting about money is the number one relationship killer. With such a huge selection of self-help books and authors to choose from, you might wonder if self-help books really work at all.

A mind not to be changed by place or time. The mind is its own place, and in itself can make a heav’n of hell, a hell of heav’n. – John Milton

John Milton was a 17th century English poet. His most famous work was Paradise Lost, a long narrative poem which basically expands upon the biblical story of Adam and Eve from the book of Genesis.

In the 1997 movie The Devil’s Advocate, Al Pacino  plays a character named John Milton, a lawyer who is  actually Satan in disguise. At one point during the film, Pacino utters this quotable dialog : “The worst vice is advice”. It’s a statement that’s a little confusing, but I found it to be both funny and profound. Some people are in the habit of advising other people about anything and everything, even when they have no worthwhile advice to offer.  So it’s very important to be able to discern if the advice given is of any value. I cannot tell you how many times people (who didn’t know what they were talking about) gave me bad advice which had I been foolish enough to act upon would have had disastrous consequences.

If you’re considering seeking out a self-help book, then you’ve already made the first step in problem solving, admitting to yourself that there’s a problem. The second step is gathering information so you can formulate a solution. The third step is putting that information into practice, but the forth and final step is the real key to success. That forth step is maintaining the third step while improving upon and refining it as new and better information comes along. Practice makes perfect, quitters never win, and winners never quit.      

All the good advice in the world is worthless if you fail to apply it. Therein lies the problem. Most people looking for self-help books are ACTUALLY seeking quick fix solutions to their problems that require little or no effort on their part. They are NOT expecting to discover PERMANENT life changes.

Take diet books for example.  (At the risk of insulting any actual dietician or fitness expert who may have written a really sound book, I’m NOT going to mention any specific book title, or author.)  

Average Joe is 100 lbs overweight and hears  about a fabulous new diet book by a well respected author, and he immediately orders a copy. The book arrives and after a month of making all the tasty  meals, Joe loses 25 lbs. He pats himself on the back uses his new diet book to prop up the short leg of the table, and goes to the all-you-can-eat buffet to reward himself. A month later, he has gained back the weight he lost, and blames the author and the stupid book. Then he hears about another new diet book and repeats the process over and over.  The problem isn’t the advice he received, it is that he stopped following it the moment he saw positive change, and resumed all the bad habits that caused the problem in the first place.

If you want to stop a problem,  you MUST stop going all the things at caused the problem, PERMANENTLY! You don’t go back, ever.   Occam’s razor, dictates that “the simplest explanation is usually the correct one “. If you keep wondering why all your problems keep happening to you, it’s because the problem isn’t the problem, the problem IS you. To quote Shakespeare  “The fault, dear Brutus, is not in our stars, but in ourselves”  You’re not a victim of your circumstances, you’re a volunteer and it’s up to you to break the vicious cycle that you’ve trapped yourself in.

As I’ve said many times, I grew up poor because my father died when I was young, and my mother didn’t have the intelligence to handle money. If you gave her one dollar, she’s spend two.  I broke the vicious cycle of poverty that had trapped most of my family by seeking wise council on money and financial matters.  I put these practices into place years ago and never stopped working my way towards financial freedom.   This is why I’m successful today. I realized that my way of thinking was what caused the problem, and I actively sort out better information from someone smarter than myself.  This is because a greater intelligence is always needed to fix a problem than the intellect that caused it.  

So as your trying to figure out which of the near infinite self-help books will provide the answer to your problem, let me give you a ‘short cut’. The best self-help books all offer the simplest answers, and often quote the Bible.  If you read enough of them, they all eventually seem to offer the exact advice.

  • For wealth–  Spend  less then you earn,  live within your means, and save and invest.
  • For health– Eat proper nutritious meals and exercise regularly.
  • For relationships – Be good.  

It’s just common sense, not tricks or gimmicks.  

Those who trust in themselves are fools, but those who walk in wisdom are kept safe. (Proverbs 28:26)

You may have heard it said ‘God helps those who help themselves’. This is NOT biblical. You will not find that phrase anywhere in the Holy Bible. Benjamin Franklin popularized it.  The Bible tells us that we can do all things through Christ who strengthens us, and also encourages us to seek wise council. It is the first and the greatest ‘self-help’ book, timeless and perfect.

Here are a few helpful  proverbs form the Bible:

Proverbs 12:15

The way of a fool is right in his own eyes, But a wise man is he who listens to counsel.

Proverbs 11:14

Where there is no guidance the people fall, But in abundance of counselors there is victory.

Proverbs 13:10

Through insolence comes nothing but strife, But wisdom is with those who receive counsel.

Proverbs 19:20

Listen to counsel and accept discipline, That you may be wise the rest of your days.

So if you’re seeking the ultimate self-help book why not try reading the time tested original first. As always I wish you happiness and success!

Staycation Getaways!

Adventures in your own backyard.

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Now that summer has arrived and the weather is warm and sunny, it’s getting harder and harder to be at my day job working, because I spend a lot of time day dreaming about being off anywhere else and enjoying myself. Most people usually take just one summer vacation between Memorial Day and Labor Day which mark the unofficial beginning and end of the summer vacation season in the USA.  I used to go away every Memorial Day weekend, but I gave that activity up years ago for two reasons: One–trim the budget, and Two–It was no longer ‘fun’ doing what I was going that weekend each year.

I still go away EVERY Labor Day Weekend to Ocean City MD, for a grand 5 day vacation at a great hotel located right on the beach.  It’s my most expensive trip of the year, and I budget for it and save up using the 52 Week Challenge savings method.  Aside from that, my summer activities are confined to day trips on weekends,  like renting a kayak on the lake at nearby French Creek State Park.

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I live in Lancaster county, located in south central Pennsylvania.  For size comparison, Pennsylvania is roughly the same square miles in area as the entire country of England. Not the biggest state, but a sizable land.  Fortunately for me, I own my own car, and where I live places me within 160 miles of five different states. In roughly three hours or less (depending on traffic) I can reach parts of Delaware, Maryland,  New Jersey, New York, and of course a sizable chunk of Pennsylvania.  My only barriers are any toll roads, and the cost of a tank of gas. My Hyundai can get between 350 and 400 miles on a full tank depending on travel conditions.  In my circumstance, this location affords me a plethora of nearby State Parks, lakes, mountains, rivers, forests, and beaches that can be explored in three hours drive or less in almost any direction I choose, many less than 100 miles from my home.   

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100 miles is about 161 kilometers. It’s been joked that the difference between Europeans and Americans is that Americans think 100 years is a long time, and Europeans think 100 miles is a long distance.

Everyone knows the word vacation, and it means different things to different individuals. In the UK and parts of Europe, I’ve often heard them use the term holiday instead of vacation, but in the USA holidays refer to specific days like Memorial Day, Labor Day, Independence Day, Christmas, etc. It is fitting to call a vacation a holiday in a way, as a holiday is a day for celebration when many people are allowed to stay away from work or school, and often a vacation serves the same function. A trip to get away from all the stress, drama, and toil of day-to-day life. A few years ago, some brilliant mind in an advertising office somewhere coined the catchy portmanteau  ‘staycation’ by combining the words STAY and VACATION. It sounds much better than saying ‘taking time off’, ‘getting me-time’ or ‘day-tripping’. I have embraced the staycation as a legitimate excuse to getaway without really going away.

One of the perks of my day job is that my Sunday off plus a rotating day-off schedule means that every seven weeks I automatically get a three day weekend as our work week schedules begin on Saturday and end on Friday. Two of these always fall during the summer. I also have the maximum number of vacation days and sick days you can attain in my position due to my seniority, though I reserve  my vacation days for specific events, and sick days are really meant to be used for serious illness and are frowned upon by upper management when used for mental health days, blue Mondays, or any form of sickness because they really don’t want you to use sick days at all, as if that makes any sense.

So yes, I am fortunate and can take time off to enjoy summer.  I hope that everyone who reads my blog on a regular basis understands that with careful budgeting, prior proper planning, and a minimum amount of travel expense, they too can enjoy both summer vacations and staycations.

What’s in your ‘backyard’?

Assuming you have your own car, or can carpool with a friend:

  • A simple Google search for beaches, or state parks nearby can give you several ideas for low cost or even free places near you to swim, hike, camp, or picnic. All you have to do is be able to get there, which means having a car and the money for gas and tolls.
  • If you are stuck for ideas on what to do with your free time, you can check out value deals for day trips and activities at LivingSocial.Com LivingSocial is an online marketplace that allows its registered users to buy and share things to do in their geographic area.
  • If you enjoy meeting new people, you can always find new groups and clubs to join at MeetUp.com 
  • If you’re into tours,  museums, historic places or various other ideas for day trips, you can check out TripAdvisor.com  for nearby attractions.

If you don’t own a car, or can’t drive:

A lack of personal transportation will significantly limit your ability to explore many of the aforementioned activities, but it doesn’t make them altogether impossible. Always remember, when you eliminate the impossible, whatever remains however improbable must be true. If there’s a will, there’s a way. In New York City for example, it IS possible to go to the beach, botanical gardens, museums etc.,  all by bus or subway. That was how I got to go to the beach at Coney Island growing up. 

There are Bus Tour companies that offer many inexpensive  day and even weekend trips to many locations that leave from the Bus Stations in most major metropolitan areas.  It costs me less to take a bus round trip from nearby Reading PA to Queens NY then it does for me to drive the 169 miles to my Aunt’s home due to the cost of gas and tolls, BUT I’m then limited to the quirks of the NYC bus and subway system to get around, or taxis and Ubers/Lyfts so it’s quite restricting.

I’ve taken enjoyable bus trips to Washington D.C many times to see the monuments and museums in my Nation’s Capital. Come to think of it, I should do that again, it’s been a while. The last time I went to D.C. was for a Pro Life March in 2006. That particular trip was free and charted by local churches, but it was a cold January day, and I was very limited in what I was able to do because of the weather, time, and activity constraints. But FREE is FREE, and I got to show support for my beliefs with like-minded Christians.   

  • Pro– You don’t have to drive to and from  your destination, that’s the Bus Drivers job.
  • Pro– You can sleep on the bus if you’re tired, just don’t miss your stop.
  • Con–You are limited to what you do by the arrival and departure times of the tour bus, and if you see an interesting detour on the way to your destination, you can’t pull over and explore it. (I once discovered an Elephant Museum driving on 30W instead of taking my usual PA Turnpike on the way to Ohio two years ago.)     

 

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And of course there’s always biking or waking, or even picnicking in local parks or your own back yard.

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The point is summer only lasts so long, and everyone can find something enjoyable to fit their budget IF they stop making excuses and truly apply themselves.   As always, I wish you happiness and success!          

Opportunity only knocks once?

Unleashing  your inner potential.

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The word genius means exceptional intellectual or creative power or other natural ability. It used to be a word that described the ability to do something remarkable, but sometime during the 1800’s the definition changed and began to refer to the person, not the potential. As a result, a line was drawn in the sand, and people were classified. You either were born a genius, or you weren’t.  This is a lie.

We are all born the same way, and we all die eventually. Aside from accidents, tragedies or illnesses which may cut our lives short, we have decades in which to learn, and potentially improve our lives. The sad reasons that the majority of the populace fails to do so is largely because they either don’t know to improve their lives, don’t believe they can improve their lives, or flat out don’t want to . There’s really nothing that can be done for that last group, you can’t help people who don’t want to be helped.

“If you don’t believe that you have potential, you will never try to reach it.”

­­–John C. Maxwell

There are millions of millionaires, thousands of billionaires, and countless entrepreneurs in the world today. The most envious ‘unsuccessful’ people demonize these ‘successful’ people as being greedy, arrogant, undeserving and a plethora of other negative adjectives. Despite this I have never heard of a person with zero income, zero savings, and zero resources starting a business, creating jobs, and hiring employees.  Those who consider these highly successful individuals to be role models often refer to them as being ‘financial geniuses’.  They are said to have been presented with opportunities and met with influential people who in turn, helped them reach their potential. Maybe, maybe not.

I’m not going to deny that sometimes there is an element of ‘luck’. I am going to say that those who had that ‘luck’ worked hard to make that ‘luck’. In other words, what some people would refer to as ‘luck’ is not some random chance. It is the end result of years of study, countless attempts, and lots of hard work. You may have heard that old saying ‘opportunity knocks once.’  It does. It knocks once to let you know that it exists, and that it’s just on the other side of the door waiting for you to seize it. It doesn’t go away, it’s always there waiting for you to reach out and grab it, but you have to believe you can achieve it first!       

 “A life is not important except in the impact it has on other lives.”

– Jackie Robinson  

The role of a father in a family is to provide for his children, and his children’s children.  This refers to not only the essentials of food, clothing, and shelter, but also guidance, knowledge, hope, and  opportunities.  If you raise a child to believe that there is no hope, no opportunity for improvement, and that things will continue to get worse, you crush their spirit. My father died when I was a young boy, but not before instilling in me that belief that anything I wanted in life was attainable though knowledge, hard work, and persistence.   If you want your children to be successful, you must first strive to be successful.  The more resources and knowledge you have to pass on to your children, to greater the chances  they have for success.

“Deliberately seek the company of people who influence you to think and act on building the life you desire.” –Napoleon Hill   

If you really want to be successful, you need to surround yourself with people who are more successful, and cut ties with all the negative ‘sad-sacks’ who keep trying to discourage you. Many of these ’emotional vampires’ thrive on seeing you fail, because it makes them feel better about themselves because you can’t achieve your dreams either. Misery loves company and these dream-crushers will find every dark cloud they can to wrap around your silver lining.

Every choice you make in life has consequences.  Good choices usually lead to good outcomes while bad ones have negative outcomes.  A single bad choice made early in life can set you back years, if you ever recover at all. And the more poor choices you make, the more cumulative the fallout becomes. Surrounding yourself with losers who apply peer pressure to encourage you to travel their path will only end badly.   This is the real reason behind the other success cliché, “it’s lonely at the top.” Think back to your high school days. How many classmates did you have? Of those, how many went on to be successful? I mean REALLY successful, not just getting by. Odds are that one-in-a hundred became super-successful, and one other became very-well-off. Yet back in high school, you were all more-or-less on equal footing. Of all the people I went to high school with, today I speak to only two of them, and only once or twice a year.  Earlier this week, I bumped into someone from high school who remembered me, but I didn’t know their name, face, or anything about them. 

On the other hand, if you surround yourself with winners, these individuals will be there to advise and encourage you.  You’ll be able to get valuable insights which will help you avoid the mistakes of others. Some may even offer to help you in  your endeavors. Successful people love to help others became successful.  The key here is to be genuine, and not have hidden agendas.  I have had some former friends who asked for assistance and had zero intention of fulfilling their end of the agreement. They intentionally took advantage of my kindness. Thus ended our friendship.  

As you go further on in life, you will find along the way friends will come and go. Some will not be able to accompany you on your road to success, and you need to let them go. It may be hard, but it will be worse for both of you if you try to make them stay. Thrust me, I’ve cut a lot of fair-weather friends in my life, it’s never easy, but looking back it was always the right thing to do. Most people can only accommodate five close friends in their life at most. Any more than that and you will be neglecting family or your own personal time. Friends are great to have, but that the only real constant in your life will always be your family. This is because you can choose your friends, but family is forever.

“Life reflects your own thoughts back to you.”– Napoleon Hill

When people are happy inside, it often shows on the outside. Successful people tend to be happy people. And when they project this positive energy outward, it tends to attract like-minded people. No one wants to be around depressing, unhappy people. Your attitude in life will open or close doors for you more often than the situations you find yourself in. People tend to respond positively towards happy congenial people. Just as what you know, who you know, and where you are in life are all important, the final piece of the puzzle is how you behave.  Charles Swindoll once said “Life is 10% what happens to you and 90% how you react to it.” So the best way to be happy and successful is to start by being happy. Focus on all the good, healthy positive things in your life. If you start counting your blessings you will find that you have more things in your life to be happy about than you realize. And smile, it’s contagious. Before you know it, you’ll attract positive people to your life to fill the spaces left by the negative ones you cut from your social circle. And each new person will bring new knowledge, new opportunities,  and new adventures to share. As always, I wish you happiness and success!          

Time is money!

The importance of proper time management.

Every second is precious.

With the two exceptions of the day you are born and the day you die, you and every person who has ever lived has the same amount of time allotted to them daily, twenty four hours. No more, no less. Yet despite having the same amount of time, some people are wealthy while others are poor. In some situations circumstances beyond your control may rob you of your economic opportunities, but how you spend your time is largely up to  you.  All successful people share two traits with regards to proper time management. They have learned to maximize their daily schedule to the height of efficiency, and they have a sense of urgency, never delaying for tomorrow what they can do today.

“Time is your most precious gift because you only have a set amount of it. You can make more money, but you can’t make more time. When you give someone your time, you are giving them a portion of your life that you’ll never get back. Your time is your life. That is why the greatest gift you can give someone is your time.” – Rick Warren

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The 40-40-40 Trap

Your greatest source of wealth comes from the income generated from your job.  When you retire, you usually have to depend on a combination of your savings (if any), a pension fund (rare or non-existent), your investments or contributions to a 401K plan (if any), and government social security (which may become insolvent by 2034 due to the National Debt crisis). For the average American, this is known as the 40-40-40 Trap. Because of procrastination or indifference during their youth, they never made the proper choices to ensure a worry-free retirement. As a result, they spend their entire working life employed at a job, working FORTY hours a week, for about FORTY years, then retire and discover they only have about FORTY percent of the cash they had while employed, to pay their monthly bills. You can always go back to work part-time to generate more income, but you can never replace the lost time. If a person fails to plan for their future, they have no future!

No time like the present!

If you have no 401k available at your job, it’s time to seek employment elsewhere. The longer you delay investing for the future, the less likely you actually will. Excuses do not pay the bills. Do not allow yourself to become trapped in a dead-end job. I have known many individuals who stay at a low-paying job for a couple of years, only to move on to another low-paying job. Every time I changed jobs with one, or two rare exceptions, I went on to a higher-paying job, with better benefits.  At my previous full-time job, I was about to become an assistant manager, when the opportunity opened up at my present career. My prior company really wanted me to stay, but they could not offer me a matching salary or benefits program. Leaving for greener pastures was in my best interest. Today, I earn far more than they pay their current managers.    

If you take a position that offers a set salary:

  • Do not work more than the hours required for that salaried position. Generally, there is little or no additional pay for the extra hours. You are wasting your time. Doing it once or twice in an emergency situation is one thing, but doing it all the time just makes you a fool.

If you take a job where you swipe or punch a time-clock:

  • Always work on the clock. If you aren’t logged in, you’re not getting paid. If you are scheduled to start and end at a pre-determined time, start and end at those times. Playing ‘The Time Clock Game’ where you clock in a wee bit early, and clock out a tad late each day to earn a few extra minutes of pay is not only a bad idea, it’s like stealing from the company and could cost you your job.
  • Always show up when you are scheduled to work.
  • If overtime is available at your job, it will generally be paid at your normal rate, plus half. Working overtime is an excellent way to generate extra income, while at the same time impressing your supervisor by your diligence. Diligent behavior is indicative of a work ethic and can open doors for advancement to a higher paying position.
  • Do not become dependent on the overtime income. Overtime is never a guarantee, and should always be considered extra money. Your base salary should be enough to cover your monthly spending needs and still allow you to save for your future.
  • Do not become obsessed by the overtime. The love of money is the root of all evil. I know many individuals who work sixty hours a week or more chasing every overtime-penny they can get.  I’m amazed at their end-of-the-year totals. When the work level reaches that point, it causes home and social problems. It’s one thing if you live alone, but if you have a family, family comes first! The time you spend with your loved ones can never be measured or replaced. It’s priceless. Don’t waste it. Nobody ever had an  epigraph on their tombstone expressing their desire to have spent more time at their job.

Take time to play!

A balanced schedule should always allow ‘breather room’, ‘personal time’ and still allow for work and play. If you over-schedule, you run the risk of causing a cascade of lateness and cancellations. It also causes stress as you race from one meeting or destination to your next scheduled appointment or location. Keeping a tight schedule can be done as long as everything goes according to plan, but if things start to unexpectedly go south, you may not have the wiggle-room needed to stick to the items on your list.

Always be productive

I try to get as much done on my day off as humanly possible. With my work schedule, I don’t have a lot of extra time during the work week. I find as many time saving tricks as I can to avoid wasting any down-time I may find myself with.  I’ve been working overtime this quarter, and I need all the sleep I can get to recover from the physical and mental stress of the added work load.  I always eat a PB&J sandwich for lunch. It’s filling without making me feel bloated or sluggish after lunch, and it satisfies my hunger. The beauty of the PB&J is that all of the ingredients freeze well. Now my peanut butter and jelly sandwiches are healthier because I use the best peanut butter, the best jelly, and use sprouted grain Ezekiel bread. So I Sundays I’ll make a half-dozen PB&J’s, bag each one in a ziploc bag and put them in the freezer.  In the morning packing my lunch takes seconds.   

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Another change I’ve made is having my dinners shipped to my home  from a meal-kit service. I use Hello Fresh. The meals are quick to cook, and it saves me time stopping for groceries or takeout food. Also, as the three meals they send are meant for two people, I only have to cook three nights a week, and just heat up the leftover portions the other three nights.

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When I run errands, I try to make a large circle of destinations to save travel time from point -to-point.

Keep life balanced!

When was the last time you spent time with your friends?  When was the last time you spoke to distant relations or acquaintances on the phone? No man is an island. We are all social beings interconnected by a network of friends and family. When a spider builds a web, it is building a net to catch food to keep itself alive. If one strand of the web brakes, it immediately repairs it. Neglecting to repair the broken strand can weaken the entire structure and cause it to collapse. As we get older and older, we need to strengthen our social network. No I’m not talking about Facebook or Twitter, I’m talking about real life. Go where the people are, out in the real world and spend time with the people you care about. As Always, I wish you happiness and success!

LA-LA-LA! I Can’t Hear You!

The real reason it’s lonely at the top.

I have never swindled a man. At most I kept quiet and let him swindle himself. This does no harm, as a fool cannot be protected from his folly. If you attempt to do so, you will not only arouse his animosity but also you will be attempting to deprive him of whatever benefit he is capable of deriving from experience. Never attempt to teach a pig to sing; it wastes your time and annoys the pig. – Robert Heinlein  (from his 1973 novel  “Time Enough for Love”)

As I’ve stated previously, I’ve been broke in the past, and grew up poor. The reason I have risen to the level I now find myself on is because I made a conscious  decision to change my circumstances and become rich. There’s one problem with success. You can pursue it for yourself, and you can try to encourage others to follow your example, but you can’t force them to do the right thing. Just as you yourself have arrived  at the decision to make a positive change in your life, they must make their own decisions.

If you go to any large bookstore, you’ll notice that there are thousands of self-help books on the shelves. I’ve read my fair share in my personal quest to become a better man. Many of these contain simple common sense solutions. The problem is that what used to be considered common sense has been discounted as outdated or erroneous. Common sense is not as common as it once was. One thing I have also noticed is that the most successful self-improvement books all reference the greatest self-help book ever written: The Bible. That’s because timeless wisdom is timeless. I make no secret of the fact that I am a Christian first, and a Republican second. I could not be the man I man today without Jesus Christ. 

For the time will come when people will not put up with sound doctrine. Instead, to suit their own desires, they will gather around them a great number of teachers to say what their itching ears want to hear.

2 Timothy 4:3 NIV Bible

The reason I started writing InstantCoffeeWisdom sprang from a growing concern that the knowledge I’ve accumulated which has so helped me, and which I’ve tried to impart on others was being largely ignored. The more successful you become, the fewer close personal friends you will end up with. Your social circles will change drastically. Some of the people you once considered indispensable members of your clique will suddenly start to drop away. Part of this is because they are not strong enough to continue the journey with you and leave to pursue their own interests. Some will leave due to disagreements, jealousy or resentment. It’s painful to lose friends, but it’s important to let the ones who wish to leave go. You can’t force people to love you, or respect you.  Either they will want to be with you, or they won’t. This is why it is of the utmost importance to always express  your views with respect and civility towards those who disagree. Never engaged in vituperation or name-calling.  Just as it takes time to become successful, it also takes time to build a reputation.

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Always give credit where credit is due.

No man is an island, entire of itself; every man is a piece of the continent, a part of the main. – John Donne

The knowledge I pass along  thought this weekly online blog is not my own. It has been distilled over time from reading countless others, many of whom also reference one another. Over the years I’ve read and studied many wise men, and I am where I am today because I stand on the shoulders of the giants who have come before me.  I encourage you to seek out and read books by:

  • Dave Ramsey
  • Napoleon Hill
  • Brian Tracy
  • Tony Robbins
  • John C. Maxwell
  • Richard Carlson

just to name a few.

Lastly before I wrap up this week’s edition of InstantCoffeeWisdom, I want to say that I am humbled that my blog has been read by people in over 20 countries around the world. My articles are mostly financial, but sometimes include a smaller political and religious component. This is because the three hot-button topics of Politics, Economics, and Religion are all interwoven and part of the same ‘island’. I hope that you have found my mostly financial blog to be helpful, informative, and entertaining.  If you have found it to be so, please consider sharing it with your friends on social media so that they too may benefit. As Always, I wish you happiness and success.