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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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!