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Life Changes

Life Changes

Life Changes – Thomas Rhett

Ain’t it funny how life changes
You wake up, ain’t nothing the same and life changes
You can’t stop it, just hop on the train and
You never know what’s gonna happen
You make your plans and you hear god laughing
Life changes and I wouldn’t change it for the world, the world, oh no

Twelve Months

A lot happened in the last twelve months and I have no doubt that the next twelve months brings new opportunities for all of us.

A year ago, Tina and I had recently finished our first 70.3 Ironman and were researching how we could do two in 2019.  Suddenly in a simple misstep, we were dealing with her broken heal and what that meant for our lives.  We had plans!

God just laughed.


Five Valentine’s Day Gifts for Yourself

Valentine’s Day is a time to celebrate romance and love with dark chocolate and red wine (my choices and heart healthy).  Give yourself the gifts you cannot get on Amazon.

Before we focus on what you can do for yourself on this Valentine’s day let me give you the three NO’S that you just don’t want to do.

  1. Valentines Dinner at a restaurant– This is like going to the grocery store at 2:00 PM on Wednesday before Thanksgiving. Yes, you can get fed, but romantic? Not a chance. It makes dining on the Titanic have a better ending.
  2. Roses– NO, especially stopping at the Kroger on the way home and buying from the tent in the parking lot. This says, oh I realized I should do this, but I made it look like I was stopping to fill up with gas and picked up roses. Go buy an Orchid. They last longer, and it says you have some sense about you.
  3. Victoria’s Secret– At one point in time this store was unique and different. Now is it mass produced and while she will smile and giggle, what she is thinking is “how lame”. Don’t do it!


The Scariest Day?

The Scariest Day?

Today was the scariest day on Wall Street in years as Monday continued the decline from last week.

For the week ending Friday, Stocks recorded their first weekly loss of the young year, with the large-cap S&P 500 index suffering its worst weekly drop in two years.  All major markets finished the week in the red with the Dow Jones Industrial Average falling -4.1% to close at 25,520.

Today we are reminded that the investment markets can be volatile as the selling in the United States continued around the globe as Asian and European markets declined on Monday as well and then accelerated Monday in the United States.


Five Actions for Your Pay Increase

The Tax Cut & Jobs Act is showing up in your paycheck.  It is not a one-time thing like the $1,000 bonus that some companies gave to their employees.  This tax reduction will show up every time you get paid.

I spoke to several people this week that have received an additional $90, $200 and $65.  It may not seem like an important change yet take a step back and look at the impact for the rest of 2018 and the years ahead.

Respectively these three people have $1,980, $4,400 and $1,430 to spend, save, invest, or pay down debt in 2018.

Five Actions for Your Pay Increase



After being seated at most restaurants, you are given the menu and a wine list.  The first thing I do is to look for a wine that I am familiar with, and see what they are charging.

Why?  I can tell what type of markup they are charging. Restaurants pay approximately 60% of the retail price that you and I pay for a bottle of wine and then mark it up to their sale price.

That is why I enjoy dining and supporting the local restaurants that are BYOB.  BYOB’s offer a combination of great food and a bottle of wine at my price.  The following are my five favorite BYOB restaurants: