Archive for the ‘investment’ Category

This isn’t just another meme, this meme could save your life! Click Here to visit the American Heart Associations risk calculator for various horrible and scary diseases (heart disease, kidney disease, etc.). All you need to know in advance are your height, weight, age (be honest ladies), and blood pressure numbers.

Once you get to the site click on the “learn your risk” button.  Input the requested info and info out your risk factors.

So I’ll disclose my info.  When I started back in February I weighed 206.6 lbs with a B/P of 129/76.  My risk factors were:  1.7x greater risk for heart attack, 1.9x greater risk for stroke, 1.2x greater risk for kidney disease. 

Now I weigh about 167 with a B/P of 113/61 and my risk factors are a healthy 1.0x for heart disease, stroke, and kidney disease. 

So find out where you stand today.  If you don’t mind sharing, leave a comment and let me know how it turns out for you.   

I am sending this along to

Lady Rose

JohnisFit

Cranky Fitness

Fat Lady Singz

FatBloggers.Net

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Well I wanted to post on money saving investments today, and all I could come up with was one idea.  So I will share my one idea and in return I hope you guys share some ideas on investments that will save money in the long term.

Buy a Freezer:  Who hasn’t been frustrated by the inability of their freezer to adequately contain the fruits of a trip to the grocery store?  And when meat goes on sale, a rare occurrence, it is a great idea to scoop up as much as possible (and reasonable).    For example, our local grocery store occasionally puts 3 lb bags of chicken breast on sale for $3.50 each.  The usual price is 7.99-8.99 per bag.

Now, if you owned an individual freezer unit you would have somewhere to put that discount meat- not to mention pastries, frozen veggies, and frozen fruits.

How much can you save with this idea?  Well let’s just take the chicken example.   My family goes through three bags a month (sometimes four).  At $8.50 per bag the cost over the year is $306, while the the cost at $3.50 per bag is less than $130 per year.  A savings of  $176 dollars over the year.  And that is JUST the chicken.

Now I know there are some costs associated with this.  For example electricity to run the unit.   But, to the best of my knowledge, once the unit is full it is relatively inexpensive to run- as the frozen goods in a packed refrigerator allow the unit to use less electricity than an empty freezer.

So what are your ideas?

Why don’t you make your savings automatic- that is after you finish paying off those high interest credit cards? Let me address the latter before tackling the former.

It makes no sense to put your savings in a bank account with less than 2% interest while your credit cards accumulate debt at 16-20% interest. Plus, if a true emergency occurs (i.e. your car breaks down) you can access that money on your credit card just as easily, if not more so, as if it were in your savings account.

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I am giddy like a school girl. My wife and I just got back from the play ground with Sasha- a great workout by the way- to see the package hanging from our mailbox. Well I couldn’t wait to taste it so I ran inside and tore open the box and the bag inside. I licked my finger, dipped it into the open bag and tasted…

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Well, if you remember my post from two or three days ago, here is what my living room used to look like…

bar-side.jpg bar-front.jpg

Well here it was a day later…

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And here it is today…

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Now all that remains is some sanding, priming, and painting. Thank the Lord for helpful in-laws. We also thank God for our friends from church who helped knock down that hideous old bar, put up sheet rock, and tote away the left over junk.

You’ve seen these folks before, you might even be one. They don’t trust in their own abilities. They worry about whether or not they can make (and keep) a real commitment and as a result never commit to anything. They stagnant and fester, unchanging and afraid. That kind of life isn’t worth living, I know because I’ve lived it.

Losing faith in your own abilities doesn’t happen overnight. It is the result of countless promises you failed to keep. For me it was a promise I made to conduct a bible study everyday for 45 minutes. I would try and I would fail- over and over. Finally, I rationalized my failure, I just couldn’t do it. So I refused to start that commitment over again. Why should I? I was destined to fail- or at least I thought so.

I followed the same course with my eating habits.  I tried to commit to eating better.  And I did- for about a week or two, sometimes maybe four or five.  But eventually it happened, inevitably I went off the deep end and consume a whole pizza or a whole king sized Burger King meal.  Once I did that, why not eat some cookies and drink a milkshake?

So I want to ask you. How often has a lack of faith in your own abilities kept you from God? How often has it kept you from adopting a positive change in your life?

Yes, when we come to God, we must at some level accept that we are powerless to save ourselves. But we must also have faith that He will give us the strength to move ahead toward a better and more fulfilling life. Without that faith we are left to flounder and wriggle at the end of a hook composed of our own self-doubt and lack of trust (in self and God).

“Therefore, if anyone is in Christ, he is a new creation ; the old has gone, the new has come!” 2 Corinthians 5:17.

Submit yourself prayerfully, look towards the end in all you do, and walk your path accordingly. You will find you can accomplish more than you ever thought possible.

It is easy to dream.  The hard part is making your dreams come true.  One thing that is certain, no dream comes true while you sit on the couch watching Lost- unless your dream is sitting on the couch watching Lost.  So how do we accomplish our dreams and goals?

**Warning: All endeavors should be undergirded with MUCH prayer.  Do not follow the steps below without also taking time to seek God’s will and His assistance.****

I find it easiest to achieve goals when I set up a staging process.  As an example, here is “Steps to Achievement” for the ranch I am looking into purchasing, starting, and running.

Stage 1 (Things that can be done in the first 6 months)

  • Research– Research land purchases (financing, pricing, etc.), ranching, raising livestock (alpacas, goats, sheep), and taking care of horses.
  • Savings– All extra funds are directed toward a savings account set up specifically for the future ranch.
  • Location– Look at regional locations for the ranch.

Stage 2 (Steps that can begin between 6 months and 1 year from this date)

  • Narrow down location to specific area(s) (in conjunction with universities that might offer employment).
  • Move money from savings account to a money market account.
  • Talk with experienced ranchers and farmers.  Ideally with men who started their own establishments.

Stage 3 (Steps that can being between 1 and 3 years from today).

  • Pick top 3 locations, make offers.
  • Start ranch corporation (non-profit?).
  • Look into purchasing necessary livestock.

Stage 4 (Steps that can begin 3 to 5 years from this date).

  • Close on land
  • Finance new home to be built on the property.

As you can see this list is still pretty skeletal.  Over the next few months, as I complete more research, the list will grow and expand.

As you look toward accomplishing your own goals, make your own list.  Learn what must be done to make your dreams a reality.  When you have an outline it is easier to stick to your path.  Following a dream without an outline is like hiking without a compass- you are almost guaranteed to get lost.

Best of luck in pursuing your own dreams.