Investing Secret

I've come to a conclusion...after reading a plethora of finance authors and doing my own real time real life research......that the simple key to excellent investing can be summed up in one seemingly
humble word, but permit me to say it anyway.....it's called "discipline".

The famous investor/author/teacher Robert Kiyosaki talks often about how folks come up to him and ask him for a tip on the next big investment idea, or for a stock tip, or some secret investment product that is sure to turn their fortunes around. Robert K. always responds tactfully by asking them a question such as "Well,  what kind of investor are you?"

Are you a good investor? That's a better question to ask, than to simply ask someone for a stock tip. Are you able to carry out financial plans? Are you disciplined with your money? Or do you need to give the financial decision making power over to someone more disciplined than you are? Do you trust yourself with money? Do you give away money too freely? Do you overspend and wind up up to your ears in consumer debt? Have you figured out how to maintain a constant influx of cash into your life?

How folks handle money is a good way to measure where they are on the "wise vs foolish" scale.When it comes to investing...the results can be even more devastating. Folly has a way of infecting even the best investment ideas. Therefore, never share a great idea with someone who is foolish. Test out someone's character before you share anything of financial value with them.

Anyway, I realize too, that most investment plans are based upon the assumption that humans, if given access to a large lump sum of cash, will spend it wildly and at top speed, thereby causing their lives to out-survive their money. That's why financial advisors who focus on providing/selling retirement "income" products rarely talk about the necessity or benefit of fiscal discipline. They would rather sell you something like an annuity, so that you, in essence, as a very old adult will be given an "allowance" every month of your retirement. The large lump sum of cash is handed over to the financial "professional" because we have been sold that line that
says we can't handle a large chunk of cash if we have access to it.

But I don't appreciate it when folks undermine my capabilities or any one else's for that matter.
What's wrong with having a large chunk of cheese and just sawing off a modest chunk of it each week?
Money doesn't spoil. It's not perishable. If you can train yourself to only utilize modest chunks of your own savings throughout your retirement, then you won't need to turn your cash over to the "professionals".
You'll have mastered yourself and your own spending and thereby conquered the world.
You can even set up your own system of giving yourself your own "allowance" by having automatic transfers set up from your investment accounts to your "spending" account in modest weekly or monthly portions. You can follow the crazy bootstrapper Alan Corey's example, by simply making your money "hard to get to" by NOT having a bank card and putting it in a bank that is located really inconveniently far away and have no internet access to the account. Yes, you can discipline yourself, without having to pay a professional top dollar to do this for you. You are disciplined. You can control yourself. The future belongs to the disciplined.

Peace and good will.

Carla



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This is Probably Not Your Last Christmas

Just a quick thought for those of you heading out to finish up your christmas shopping list. I just wanted to mention....that if you are tempted to consider this Christmas as the absolute end-all and be-all Maximus Christmas of all time....please remember that as long as you  are breathing( and Jesus hasn't returned) , Christmas will surely come around again next year.

Therefore, if you've burnt the short bread cookies and bought generic sox for your nephew instead of brand name.....don't worry....be happy, because you'll most certainly have another chance next year to get it right.

I spent years hyping up every single stat holiday, and finally realized that my world wasn't going to end if everything wasn't uber perfect for every celebration. Life continues. Family continues and God's plans for us all most certainly continue on into eternity.

Peace and good will.
Carla



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Two Dollars Off a Bottle of Clorox Bleach

If you're not a coupon fan, just skip this blog post.
But if you like high value coupons, then check out the
$2.00 off coupon from Clorox Canada.
Click Here for $2 off coupon

Note that it expires at the end of this month.
Merry Christmas.

Peace.



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Why Are You Ignoring Garlic?

Good Afternoon,

I just wanted to blog a wee bit before the Christmas rush overtakes me. I know that with the advent of the chilly weather in many northern parts of the world, there is a rush to start stocking up on many cold and flu remedies. I see long line ups at the store for folks trying to get their hands on so many "over the counter" cold remedies and items to soothe their coughs and colds.

What I am not seeing is an embracing of my dear old friend...."raw garlic". Yes, my friend is a smelly but powerful natural wonder.  I'm not advocating that you take raw garlic when you are about to go out on a date or when you have any public social activities to engage in . I am advocating that you consider getting into the habit of taking one raw peeled/chopped garlic clover per day/night when you know you won't be in close contact with anyone for at least a five hour period.

So now that we've dealt with the pungent odor of garlic issue, let's celebrate all the good things that garlic will do for many of us humans. One of my most popular blog posts is about how the government of Japan officially recognized raw garlic as a potent aid to lower blood pressure. It has been proven.
If you have ever tuned into your own body just 10 minutes after you have ingested a clove of chopped raw garlic, you will notice that a certain calmness pervades the inner workings of your body.

So what else does garlic do? It fights germs and bacteria. I have even read about a study done in which they measured a certain number of bacteria in an open petri dish. Then they put crushed raw garlic near, but not in, the petri dish. To their great surprise, the bacteria that was NEAR the raw crushed garlic actually started to die! Very cool indeed. So, the innate natural germ fighting qualities of raw garlic are not be ignored or downplayed as "old wives tales". There is much scientific evidence of the efficacy of a raw garlic health regimen. If you want to learn more from someone "professional" just take a gander at some of Dr. Stephen Fulder's books such as "The Garlic Book".

Garlic is no longer just an "old fashioned homemade remedy"... It has come into the limelight for it's powerful properties to help fight illness, and boost immunity. Raw garlic has another wonderful side effect, and that is namely that it provides and almost instant boost of internal energy. So if you are feeling sluggish and lethargic, you may want to investigate raw garlic's ability to give you a boost of inspiration.


Peace and good will.
Carla

Disclaimer: This blog post and all other posts on this blog are intended for conversational purposes only.
It is not intended as medical advice. All medical advice should be obtained from a licensed medical practitioner. The blog author and publisher does not accept any liability for the idea and contents of this post or any other post contained within this blog.

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Heating Your Home With A Magnifying Glass-ish Roof

Ok, friends if you're getting used to some of my more quirky yet inventive ideas....prepare yourself for another doozy.

Ok, permit me to think aloud here.... In Arizona and other hot spots in America, there are massive solar farms that use focused sunlight to produce heated oil/steam in order to operate generators that produce electricity.

Now, what if the roof of a house was built out of small yet very thick glass bricks that were concave or convex only to a certain degree. Remember how we used to see how one could use a simple magnifying glass to start a fire on a hot summer day? All you needed was a hot sunny day, a magnifying glass and something like dry dry tiny bits of wood and in no time the whole bits would start to smoke and eventually catch flame.

Well, what if the whole roof of a home was outfitted in very thick glass brick "magnifying glasses" ?
The designers would study just how to tweak the convex/concave dimensions of the bricks just so that these
brick "lenses" focused just enough sunlight to produce a warm beam of light flow directly into the home. The beam could not be focused too sharply or else it would produce a dangerous amount of fire-provoking light/heat streaming into the home. But the architects/designers/scientists could work on just that precise issue to regulate the streaming strength of the focused light beams.

What I'm talking about is directly heating a home in this manner, NOT by using the sun to produce solar energy to be converted into electricity. I'm  talking about warming your home in the same way that a cat loves to bask in the sunlight that streams in through the windows on a sunny day.

So permit me to put this out to you? Do you think this would work? Would it not be possible to
create roof top glass bricks that transposed sunlight into direct heat pouring into our homes through our roofs? To my limited scientific mind, it surely sounds possible. The focused beams of light would heat the air and the floors as the beams of light stream down from the transparent glass roof. I'm not talking about one large piece of glass as a roof, but rather....many hundreds of convex/concave thick yet transparent glass bricks joined together to form a heat generating roof. I'm guessing that the bricks would not need to be more than maybe 7 inches by 7 inches in size.

Your comments and thoughts are most welcome. My readers are a vital part of this blogging phenom.
Peace.

Carla

Disclaimer: There is a fire hazard when working with magnifying glasses.Please don't try this at home unless you are using a qualified professional for supervision/design. Parents, don't permit your children to use magnifying glasses without adequate supervision. This blog is intended for conversational purposes only. The author of this blog as well as it's publisher do not accept any liability for the ideas discussed in this post or any other post on this blog. Thank you for your time.

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