October 21, 2017

Items in italics are direct quotes from the articles below


How do you spot a liar? Watch their eyes, says champion poker player Phil Hellmuth.  Hellmuth has made a career out of calling peoples’ bluffs. So far, he’s won 14 bracelets at the World Series of Poker and a total of $21,971,705 at live tournaments. Hellmuth partly credits his ability to read people as the secret to his success. “Success in the game is 70% reading people and only 30% reading the cards,” he wrote in the book “Read ‘Em and Reap,” which he co-authored with writer Marvin Karlins and former FBI agent Joe Navarro. The “Poker Brat” author has picked up one trick to help him get a better read on people’s true feelings — and detect potential lies. It’s a simple test anyone can use, whether you’re dealing with someone bluffing over a hand of cards or a chronic workplace liar. “You can stare at people,” Hellmuth told Business Insider. “It’s super effective.” Being able to watch the eyes dilate or constrict can give you a quick read on what a person is feeling. It is a skill that needs to be cultivated and you should trust your instincts. People have little ability to control how their pupils react to stimuli, which is what makes watching someone’s pupils a great tell. Of course, changes in pupil diameter signal a person’s emotional state — not dishonesty. But if an individual’s words don’t match their eyes, you might want to take note. For example, if your friend gets a call that causes their pupils to contract but they claim they’re fine afterward, something might be off. If you’re in a tough situation and you need a genuine answer, then look the person in the eye and ask a question. Never stop learning and growing and cultivating new skills. New habits will continue to strengthen the brain over time in my opinion.


Cutting back your spending isn’t the only way to save more. Finding ways to up your income can help you build wealth and hit your goals faster—and it doesn’t have to require a lot of time or effort. You can ask for a raise, pick up a side gig (as nearly a third of U.S. workers are doing now) or consider a third powerful income-boosting strategy. Say hello to passive income—a low-effort cash flow that’s steady, predictable and relatively easy to maintain. Here’s how four people have done it successfully. As discussed in previous blogs, passive income is a misnomer. To create it, you truly do have to put in some form of effort. Whether it’s a savings account or a rental property, there should be some form of time, energy, and even finances put into an asset for it to generate passive income. This article has four examples that can help encourage your imagination. “My dividend portfolio pays me over $1,200 a month.”— Bob Lai, 35, tech product manager and blogger in Vancouver, Canada “High-dividend stocks are my secret weapon, netting me more than $1,200 in passive income every month with virtually no effort. Basically, this means that I’ve invested in stocks that pay dividends to shareholders, so I essentially get a cut of each company’s profits every quarter—100% of which I reinvest. This lets me buy more shares without having to shell out more money, which is a huge benefit when the price ticks up. My strategy did require some initial effort. But while thoroughly evaluating investments—by checking out price-to-earnings ratios, historical dividend growth and company statements—before purchasing may seem like an intimidating task, I actually enjoy it and don’t mind immersing myself in the research. Bob also diversifies his portfolio by investing in ETF index funds. “Passive income pays my bills—and allows me to travel the world.”—Cat Coquillette, 30, location-independent illustrator and designer in Chiang Mai, Thailand “Thanks to some solid passive income streams, which make up about 90% of my monthly earnings, I’m anything but a starving artist. In addition to my illustration and design business, I earn about $7,000 a month via art licensing through print-on-demand companies. These are websites that print your artwork on things like apparel, phone cases and notebooks, then sell the items online. For example, I created a design for a travel mug that sells for $24.99; I get 10% of each sale. This may not sound like much, but it adds up, especially when you submit a lot of designs. I upload paintings both new and old, so instead of collecting dust, my artwork can earn some cash. She also makes money through traditional art licensing, and through online tutorials. I’ve included only two of the four examples. If you know exactly how much your monthly expenses are, and if your passive income becomes greater than your expenses, then you can retire, or at the very least lose your job and still be able to live.  A word of caution, I think it’s foolish to quit your job in the pursuit of acquiring passive income generating assets.  I know someone who quit his job to build a business against my and some wise business men’s council, and I watched his financial life fall apart. He now jumps from job to job and one get rich scheme to another. Your job no matter what it is, it is providing for your healthcare expenses, paying your existing bills, putting food on the table, and caring for your family. Build your assets over time with your job. Before you ever quit your job, know your numbers, have a plan, and surround yourself with good wise friends.

This week, I’ve included KEEP STANDING – Most Emotional Motivation Video EVER – (Don’t Give Up) from the Mulligan Brothers YouTube channel.

“If you think you know it all, you’re a fool for sure; real survivors learn wisdom from others.”

Proverbs 28:26 MSG


October 7, 2017

Items in italics are direct quotes from the articles below


Although it is not the only factor in deciding how wealthy an individual is, disposable income does have a significant influence. If you have little or no money after taxes and expenses, then it is hard to save and invest for the future. In this article, we’ll look at four ways you can increase your disposable income. The four ways are get a raise- or a second job, start a business, investing income, and spend less. Getting a raise is one of the easiest ways to increase your disposable income this can be achieved by continuing your education, taking a pay cut in exchange for performance bonuses, and there are other guides that can help you in getting a raise. Another way is to get a second job, however the draw back to this approach as an employee as your income increases you will be pushed into a higher tax bracket. Starting a business is another way of increasing your disposable income. The difference between having a small business vs a job is that with a business you can lower your tax liability. Some of your business write-offs can even be claimed against other income sources, but you have to follow the rules carefully. (See also: Capital Gains Tax Cuts For Middle Income Investors.) The major drawback of starting a business is that there is no guarantee of success or income like there is with a raise or a second job. Starting a business takes a certain type of person, one with the motivation and the ability to handle the details involved in implementing an idea. The time, effort and nerves that it takes to run a business (that has no certainty of success) means that very few people will take this route.

Investing income is considered a form of passive income. This is a misnomer because it does take active effort to create income from investing – you have to research investments, build and maintain your portfolio, etc. – but it is generally considered to take less effort than, let’s say, shoveling concrete day in and day out. Investing income can come from stocks, bonds, real estate, or many other forms. The common theme is that they ideally produce a return on the money you put into them. (See also: A Guide To Portfolio Construction.) Creating income through investing is a process of accumulation. Even if you consistently get a return on investments (ROI) of 20%, if you only have $1,000 in the investment, you will add a little less than $200 to your yearly income after any fees and taxes have been paid (and there is no guarantee of consistent returns of even 10%). Searching for stocks with a history of dividends, sometimes called income stocks, can help create some income now, but it will still not be as rapid in results as a second job. As you put more money in, however, more money comes out in the form of returns. Investing is a great way to increase your disposable income in the long run, but it won’t do wonders for your immediate situation unless you have a huge chunk of capital just sitting around. Investing takes patience, time and discipline (it is also subject to taxation). That said, it is one of the surest ways to gradually add to your disposable income without exerting yourself too much. Finally, spending less will increase your disposable income.  Having a budget and knowing how much exactly comes in and how much exactly goes out and when it goes out is key to setting aside more money for investing. Each of these four steps should be a part of your life strategy. It’s your money and the choices are yours. What is your vision and what is your legacy?


Andrew Left is back at it again. The Citron Research founder tweeted on Wednesday that the Canadian e-commerce company Shopify was a “business dirtier than Herbalife.” He also posted a seven-minute YouTube video outlining his bear case, titled “Citron Exposes the Dark Side of Shopify — The FTC Will Take Notice,” and posted a report to his firm’s website. In the video, Left lays out the big question he has around the company: Outside the roughly 50,000 verifiable merchants working with Shopify, who are the other 450,000 the company says it has? According to Left, many of them are, among other things, influencers paid to promote the company. “Shopify, a company that has mastered the good ol’ get-rich-quick scheme,” Left says in the video. “What’s never discussed by Wall Street is the real business behind Shopify.”  Left set a target price of $60 on the stock which was 49% below the closing price on Tuesday and on Wednesday the stock dropped by 14%. Whether or not his claims are true, when he speaks the market listens and responds in kind. But Left is perhaps best known for his damning October 2015 report that accused Valeant Pharmaceuticals of being a “pharmaceutical Enron,” and he helped bring up questions regarding the firm’s accounting and relationship with the specialty pharmacy Philidor.  I’ve included the link to Citron Research here: http://www.citronresearch.com/ If you’re going to increase your knowledge in any asset class, you need to learn from people wiser than you, and trust in your God given gifts. Living in the Information Age, you have full access to as much information as you could possibly want. Carve out a half an hour to a few hours of your day to increase your knowledge and look for scenarios to apply it. Keep it simple, how can I make money, how can I money make money, and how do I repeat steps 1 and 2 to infinity?

If you are interested in creating a budget, then contact me for a financial checkup in the contact me section. Also, learn more about the self-lending principle in the mustard seed section.

This week, I’ve included YOU CAN ALSO BE GREAT” – Elon Musk Motivation – Motivational Video from the Mulligan Brothers YouTube channel.


“If you think you know it all, you’re a fool for sure; real survivors learn wisdom from others.”

Proverbs 28:26 MSG

October 26, 2016


The franchise model has long been a way for companies to rapidly expand beyond what might be possible if they opened every location on their own. But rapid expansion can be just as much of a curse as it can be a blessing if a franchisor rushes into an unproven concept without the ability or the gumption to assist unhappy franchisees in hard times, according to serial entrepreneur Marcus Lemonis. Four common pitfalls to avoid are: don’t rush to expand an unproven concept, don’t ignore fanchisees, don’t under-equip franchisees, and don’t try to franchise something you’re not passionate about. When converting, a store into a franchise don’t do it until you have a proven model. Your business isn’t to just sell franchisees, it’s to have a model that you can first turn a profit and then build a system around. If you focus on expanding too quickly you could be left with a lot of debt that can’t be paid. When you have someone buy a franchise from you, you are obligated to be available to make sure they are successful. They are investing their money, time, and energy to buy your system, and they’re doing it to replace their current income or supplement income. Franchisees want to succeed. Ensure that you equip your franchisees with enough tools to succeed, and be willing to take in the franchisees input. A franchise is a business system and if that system isn’t working properly then the system will over time fail. Marcus makes a good point when it comes to any business you start, and especially one you want to franchise. “Why get into a business that you’re not excited about?” Lemonis asked. “You just want someone to feel passionate about what they’re doing. If you don’t have passion for it, it’s going to show to the customer,” and ultimately any potential franchisees.


Retailers looking to replicate the efficiency of bigger players like Apple would do well to focus their attention on one key measurement of success, according to entrepreneur Marcus Lemonis. Advising struggling New York-based Bowery Kitchen Supplies on the latest episode of CNBC’s “The Profit,” Lemonis reveals straightforward ways for any merchandiser to improve profits and evaluate its progress. Three simple techniques to increase sales are: develop a merchandising plan, lead with recognizable brands, and simplify the store’s layout. In the case of this business, the company experienced a loss due to having too much inventory that was spread throughout the store, and the products were acquired based off the desires of the owner vs. profitability of each department. A way to develop a merchandising plan is through analyzing sales data and from this data determine what departments are necessary and structure inventory around this data. After identifying the key departments customers appreciate most, Lemonis develops a strategy centered around “anchor tenants” — products meant to boost profits for a entire department by establishing the product offering’s legitimacy. By anchoring a department with well-known brands, you can then add brands that aren’t established with good margins. The final step is simplifying a store layout through clear signage and organization which will make the shopping experience easier for the customer. The more comfortable and visible the experience, the more likely you will generate sales.

If you need a financial checkup you can reach me in the contact me section.

For this week, I’ve included Design Your Dream Life Through Passive Income from TEDx Talks YouTube channel.

“If you think you know it all, you’re a fool for sure; real survivors learn wisdom from others.”

Proverbs 28:26 MSG‬‬‬‬‬‬‬‬‬‬

September 21, 2016


Robert Citrone, the Tiger cub who now runs one of the best-known macro hedge funds, is warning investors that the market moment they’ve been anticipating is at hand. “We believe we are in the midst of the market correction we have been expecting,” Citrone, founder of Discovery Capital Management, told investors in an e-mail obtained by Bloomberg. “It will likely persist over the next 3-4 months and be the largest correction since the 2008 crisis,” he said. The firm managed about $12.4 billion at the start of 2016. Money managers believe we are on the cliff due to central banks reexamining monetary policy. The CBOE Volatility Index has increased about 19% this month. Citrone, whose fund specializes in making wagers on macroeconomic events, tempered his view by describing the correction as a “healthy adjustment from overvalued market levels, which are primarily a result of exceptionally easy monetary policies.” One of the many hedge fund managers dubbed Tiger cubs after working at Julian Robertson’s Tiger Management, Citrone founded Discovery in 1999. If there are seasoned investors that are predicting a market correction, then it’s important to have a financial education to protect your finances. Personally my strategy is having a diversification in asset classes such as paper assets, real estate assets, and business assets. It’s important to have assets that generate income. If you’re interested in having your own income generating asset, you can reach me in the contact me section.


If you’re looking to build wealth, if you’re looking to save up a nest egg for retirement, or if you’re merely looking for a way to alleviate financial stress in your life, passive income is one of the best ways to do it. The phrase naturally sounds like a buzzword, or something you’d hear on a late-night infomercial, but passive income really exists and operates exactly how it sounds–earning you revenue without demanding much effort or attention. Of course, this isn’t a get-rich-quick scheme, and you won’t be able to earn millions in passive income, but even a small stream of extra revenue can make a major difference in your life. The important point to remember about passive income is that it doesn’t take up a lot of your time once it’s in place. Your more conventional forms of earning money involves earning money at the exchange of time. Keep in mind most passive income generating assets will require an initial investment of time and or money, before you can reap the rewards. The article provides seven examples: dividend-paying stocks, rented real estate, e-books, advertising, apps and existing businesses. In previous blogs I’ve talked about dividend paying stocks and how to analyze companies, and so I recommend reading my previous blogs to form your own strategy. Rented real estate will require a higher level of financial education, and it requires a larger investment versus purchasing dividend stocks. Another option is writing e-books, but it’s important to know your target market and drive customers to purchase your e-book. The author provides a few examples of income producing assets, but it’s more important to understand what classifies a passive income producing asset vs. an active income producing asset. If your asset becomes your job and requires more and more of your time, then it’s not a passive income producing asset. It’s the same as confusing an asset with a liability. Be sure it’s doing what you want it to do, and if isn’t reassess your position and do something different. Once your passive income is greater than your expenses then you can retire wealthy.

If you have a prayer request, or if you’re in need of a financial checkup you can reach me in the contact me section.

For this week, I’ve included Top 10 Ways to Earn Passive Income from Video School Online YouTube channel.

“But those who want the best for me, Let them have the last word—a glad shout!— and say, over and over and over, ” GOD is great—everything works together for good for his servant.” I’ll tell the world how great and good you are, I’ll shout Hallelujah all day, every day.”

Psalm 35:27-28 MSG

August 10, 2016


A decades-long history of annual dividend increases is a good indicator of a high quality company. That kind of consistency often comes at premium: Many “dividend aristocrats” trade for lofty valuations. Some do stand out as great deals, though — and three of our Foolish contributors are happy to share a few of them with you. In this article, the contributors suggest three stocks for August: ExxonMobil, Target, and Illinois Tool Works. Exxon was showing a recovery since the lower oil prices over the past year, but when the price of oil went down in July again, it hurt the price of Exxon. The company is involved in all aspects of energy production, from drilling to retailing, and that diversification has allowed it to rack up an impressive dividend history despite the industry’s inevitable pops and drops. Over the past 33 years, the company has increased its dividend by an average of 6.4% annually. This company may be a good add to your portfolio simply because of its size and its ability to hunt for bargains. Analysts are expecting the company (Target) to produce earnings of $5.14 per share this year, and the stock price is now at about 14.7 times that number. That’s well below the P/E valuations given to many other dividend aristocrats. Target announced a 7.1% quarterly dividend increase back in June, marking the 45th consecutive year in which Target has raised its dividend. The stock carries a dividend yield of about 3.2%, based on the most recently announced payment, quite a bit higher than the 2.75% yield offered by fellow retailer and dividend aristocrat Wal-Mart. Target’s valuation is lower than most dividend aristocrats now for a good reason. The company’s revenue has been stagnating over the past few years, and its operating income has been essentially flat for the past decade. Per-share profits have increased mostly due to share buybacks, as both gross and operating margins have contracted. Even though Target has some factor’s against it, the author suggests watching Target due to its dividend increases. The final stock pick is Illinois Tool Works and the author points out two interesting facts: The company has raised its dividend for 52 straight years and its dividend has grown at an average compounded rate of 11% annually since 2012. So how does Illinois Tool Works afford a higher dividend year after year? By growing its cash flows even during difficult times, thanks largely to a diversified product portfolio that helps mitigate business risks. I recommend you read the article to form your own opinion. I share these articles as a way to stimulate your interest in finances, investing, and a business point of view. Personally I believe a person should constantly be learning more on the topic of money. Money is a tool that is neither good nor evil, but it can be used for good or evil. “For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.” (1 Timothy 6:10 NIV). To seek money in and of itself to satisfy your own desires to me is selfish, however if you take the money you have and build a legacy that impacts generations to a better quality of life then to me that is better. Get financially educated, so you can help others. If you want to know how to become rich, then do this simple step: buy assets, and
don’t buy liabilities that you think are assets.


When Kobe Bryant signed his first pro basketball contract with the Los Angeles Lakers in 1996, it made him a millionaire virtually overnight: The three-year contract would pay $3.5 million. Bryant was 17 at the time, straight out of high school. He would go on to earn a record $680 million over the course of his career, according to Forbes, which gave the now-retired player a unique perspective on wealth. Growing up, I enjoyed watching and playing basketball. I even enjoyed watching Michael Jordan. After he retired, I looked for another player to follow his career. In 1997 as I was graduating high school, I started watching Kobe start his career. It’s amazing to see his accomplishments over the years, and the letter he wrote to his younger self is educational. In fact, in his letter he encouraged his younger self to invest and not just give to his family and friends. Bryant stresses that handing money and material goods to people is not necessarily the best way to show your love, since it can negatively affect their work ethic and may even suppress their ambition. If you come into a windfall, Bryant recommends helping the people around you by investing in their future rather than giving them handouts. The article makes a good point. Don’t just give money away, invest it. Invest it into an asset. Invest it into a future. If you catch a fish for a person, the person may one day go hungry, but if you teach the person how to fish, the person will never go hungry. “Put them through school,” he said. “Set them up with job interviews and help them become leaders in their own right. Hold them to the same level of hard work and dedication that it took for you to get to where you are now, and where you will eventually go.” “As time goes on,” Bryant continued, “you will see them grow independently and have their own ambitions and their own lives, and your relationship with all of them will be much better as a result.”


The longer I work with entrepreneurs, the more certain I am that the ability to succeed isn’t strictly dictated by skill, creativity, and intellect. Things like integrity and personal behavior are at least as important as education and experience. Here are five personal habits that you may want to kick to the curb for prosperity and success to be yours: You frequently use the words “I don’t have time right now.”, you let your mind drift while others are talking, you ignore advice and ideas without consideration, you believe that get something right you have to do it yourself, and you ignore the needs of your body. The author has suggestions to help break these five habits that may be hindering your success. Make a list of all the things you push aside and make time to complete one or two of those tasks a week. To keep your mind from drifting, make eye contact and be an active listener by nodding your head, offering feedback, and asking questions. Listen to everyone’s opinion regardless if it applies or not, and I suggest taking notes as needed. Then go back and review what the person has said against your own values. Delegate tasks that need to be done, properly instruct the employee or co-worker, and make sure the person takes notes. If the task is not completed properly don’t take over the project, but provide feedback quickly. Obviously this scenario can’t happen in time sensitive projects, however with proper time management, a project should still be completed without issue. Finally, pay attention to what your body is telling you, keep track of your eating and sleep habits, and notice how you feel as they fluctuate. If you fall back on the I-don’t-have-enough-time excuse, track your productivity levels as you improve your personal habits. I guarantee that time will be on your side. Your health and your wealth are connected to each other. Without good health you can’t build wealth, and without wealth you can’t maintain good health. Eliminating these five hindrances will increase your productivity and at the same time build the culture of your organization.

If you have a prayer request, or if you’re in need of a financial checkup you can reach me in the contact me section.

For this week, I’ve included an animated book review of Rich Dad Poor Dad by Robert Kiyosaki from the MinionNoMore Youtube channel.

“But those who want the best for me, Let them have the last word—a glad shout!— and say, over and over and over, ” GOD is great—everything works together for good for his servant.” I’ll tell the world how great and good you are, I’ll shout Hallelujah all day, every day.”

Psalm 35:27-28 MSG

August 3, 2016


After last week’s brief reference to movies, I decided to include this article. It’s a good mix of movies that have some reference to Wall Street.

From classic Wall Street to the more recent The Big Short, these are the top movies that portray Wall Street, the markets and finance.

In order to have an objective ranking system, this quick study used a cumulative score from IMDb, Rotten Tomatoes and Metacritic. The scores from Rotten Tomatoes and Metacritic are audience scores. Since Rotten Tomatoes uses percentages (i.e., 90% of the audience liked this movie), that percentage score was changed to a 1-10 score with decimals when necessary. For example, if a movie has a Rotten Tomatoes audience score of 88%, then the score is 8.8. The movie with the highest cumulative score was ranked number one. (For more, see: 4 Movies Showing the Real Side of Finance.)

Top 10 Wall Street Movies

Keep in mind that these are broad-based ratings, not just ratings from people who work in finance. (For more, see: How Hollywood Portrays Wall Street.)


Rotten Tomatoes


Total Score

1. Inside Job





2. The Big Short





2. American Psycho





4. Enron: The Smartest Guys in the Room





5. Trading Places





6. Wall Street





7. The Wolf of Wall Street





8. The Family Man





9. Working Girl





10. Margin Call





Remember, these cumulative scores are based on a broad audience. If ratings were only taken from those who work in finance, the list would likely look a lot different. For example, Wall Street would likely rank higher.


Each of these movies are either a thriller, comedy, or even a documentary. I suggest watching one of these movies if not for the financial education, then simply for entertainment purpose. I don’t endorse any one move in particular, and some of the movies may contain adult language, adult content, and violence.


In 2012, Stanford-educated engineer Debbie Sterling founded toy company GoldieBlox to encourage young girls to start tinkering with toys and building machines.

The first-time entrepreneur is catering construction toys to young girls in an effort to raise the percentage of female engineers in the world, which currently stands at just 14%. Debbie attributes the success of GoldieBox to one lesson: Don’t be afraid to ask for help.
“I think the biggest mistake you can make as an entrepreneur is pretending that you know everything, or feeling you need to come across like you do,” Sterling said. Rather, the key is “admitting freely that I don’t know the answer to something or don’t know how to do something, so long as I seek somebody who does.”
I admit I have trouble asking for help. In my work environment, because of the demands and the different layers of tasks I’m asked to do, I feel like I can’t ask for help, or I’m concerned about the level of service that will be provided. If you’ve experienced these moments too, then I encourage you to begin to delegate more and trust your co-workers more. There’s only 24 hours in a day, and within that time only so many tasks can be completed. Prioritize the important ones and ask for help on the easy ones. It sounds simple, and it may seem like it conveys weakness, but if the people you work with know your heart then they know it’s a genuine need and not a sign of laziness. “Plans fail for lack of counsel, but with many advisers they succeed.” (Proverbs 15:22 NIV). No one is an island, and we’re better together. Seek and get help, because it will help you grow. Sterling said the lesson is especially valuable for girls, whose self-confidence is malleable at a young age. “I see a lot of young women who feel so much pressure to be perfect and have it all figured out that have too much pride or they’re too ashamed to admit if they don’t get something right away,” Sterling said. “If they’re too afraid, they’re just going to shy away from it, which is sort of a recipe for not fulfilling your potential.


It is a frustratingly common scenario: You fall asleep easily at bedtime but are wide awake at 2 or 3 in the morning. Only after a half-hour or more of staring at the ceiling can you finally fall back to sleep. This middle-of-the-night insomnia happens to everyone every once in a while. It is an appropriate, normal response to stress, doctors say. About 30% of American adults have symptoms of some sort of insomnia each year, according to scientific studies. Chronic insomnia is generally defined as having difficulty sleeping at least three times a week for three months or more. I started having trouble sleeping a little in my college years, but even more frequently in my mid-20s. I hope this article will be helpful if you’re having trouble staying asleep. Dr. Perlis suggests that the best way to keep an occasional bout of insomnia from becoming a disorder is to simply not try to compensate for the sleep you do miss. Your body will naturally re-adjust if you don’t nap, sleep in or go to bed early to try to recover the difference. Allow your body to balance itself. The article goes on to provide helpful hints such as not allowing bright lights such as computers or cell phones. Another helpful hint is to not snack in the middle of the night, because it could condition your body to keep waking up. The article concludes with various sleep medications, and in my opinion, the best way to get fight insomnia is to actively engage in your rest. Let your bedroom be for sleep. Tomorrow will be here before you know it.

If you have a prayer request, or if you’re in need of a financial checkup you can reach me in the contact me section.

For this week, I’ve included an animated book review of Start with Why by Simon Sinek

“But those who want the best for me, Let them have the last word—a glad shout!— and say, over and over and over, ” GOD is great—everything works together for good for his servant.” I’ll tell the world how great and good you are, I’ll shout Hallelujah all day, every day.”

Psalm 35:27-28 MSG

July 20, 2016


Silicon Valley’s best-known venture investors have emerged largely unscathed from the rapid descent of Theranos Inc., but the decline offers a cautionary tale for a community that bets big on visionary founders touting revolutionary technology. If you’re not familiar with Theranos Inc., then feel free to do a web search on this company. It was founded by Elizabeth Holmes, who at the time was praised as a visionary for what her company was going to do in the health service industry. Now she’s been banned from the blood testing business for two years. This company was valued at $9 billion during a 2014 funding round. “For me, the Theranos saga is a wonderful reminder: While you want to invest in people who are visionary and are committed to their businesses, you want to partner with people who are truth-seeking,” said health-care investor Bryan Roberts, a partner at Venrock. “A lot of people [involved with Theranos] fell down on that in this.” Often what a person or business does in private will in time come to the light of day. This Scripture is a reminder of this quote, “I the LORD search the heart and examine the mind, to reward each person according to their conduct, according to what their deeds deserve.” Jeremiah 17:10 NIV. Before Theranos’s problems came to light last October, at least some Silicon Valley investors cheered her apparent success. Marc Andreessen, whose firm isn’t a backer of Theranos, tweeted that Ms. Holmes would be the first female tech founder on his list of “revolutionary entrepreneurs.” One of the big red flags about Theranos was its unusual roster of investors and board members. The actual board members at that time weren’t medical experts, and the company didn’t publish its results in peer reviewed medical journals. Theranos replaced many of its directors last October and created a new medical-advisory board.
The Theranos spokeswoman said, “Theranos has boards composed of individuals of extraordinary experience and talent in many fields. Their contributions have been significant.” The article then goes on to give a few more examples of Silicon Valley startups that have run into issues. The importance of building a big business is not in how quickly it can reach a billion-dollar valuation but for how long it can last, how much good it will actually do, and how strong its fundamentals are. If the foundation isn’t strong then the cracks will appear and the truth will come to light. Theranos is a case study which will more than likely end up in a business college textbook. Financial literacy, and common sense are two keys to investing for positive cash flow.


This commentary is from Mainak Dhar, managing director at General Mills. After twenty years, ten bosses, five moves, four kilos, and a journey that has spanned experiences across many different businesses and countries, I am back where it all began — Mumbai. Did I ever imagine I’d be working in the corporate sector for twenty years? To be honest, perhaps not, but back then a time horizon of a couple of years was long term thinking. As I think back to that twenty-two-year-old me sitting in the reception, waiting to collect my visitor ID badge, if I had the chance, what would I say to myself? Here’s an attempt. In this article, Mr. Dhar gives 20 tips to the version of him of 20 years ago. I’ve picked a few to share and I encourage you to read this article. Perhaps much later than I should have, I realized that our identity does not come from the designation we have at our jobs but what inspires us, what makes us feel alive. It’ll all be a waste of time. If money is what you chase, the goalpost will keep shifting. I figured that one out pretty early- you may as well get started on day one of your career. You learn as much, if not more, from the “bad” bosses as the “good” ones. It’ll all be ok. You’ll screw up, you’ll be hurt, you’ll have bad days but you know what, nobody owes you a happy life. You need to find things and people that make you happy. His letter is an honest assessment of working in any career. Work not just for your paycheck, but also work to learn. What do you learn? You learn or rather reveal more of your own God given gifts, and uncover new abilities you didn’t know you had through collaboration. Your workplace’s responsibility is to pay you for your job. It’s your responsibility to use your paycheck to take of your own business. Your business is your life and the legacy you leave behind.


Announce plans for Bangkok’s tallest building in the depths of a financial crisis. Persist through violent street protests and a military coup. Target wealthy foreigners who would pay millions for an apartment. People thought Sorapoj Techakraisri was crazy. That he was only in his 30s added to the skepticism. The 77 story MahaNakhon tower will have its first residents this September. By far the largest skyscraper on the skyline, MahaNakhon will contain 209 Ritz-Carlton Residences, ranging in price from $1.4 million to $10 million; a five-star Edition Hotel by Marriott International; and flashy boutiques and restaurants. Techakraisri
believes that Bangkok is close to having a metamorphosis and becoming an alternative to Singapore. Techakraisri’s company Pace Development’s market capitalization is just $315 million, and its profits are scarce. “It’s not yet a solid company in terms of earnings, though it should do fine,” says Avin Sony of Asia Plus Securities, the Thai firm that managed Pace’s initial public offering in 2013. He predicts that as buyers take possession of their units in MahaNakhon this year, Pace will post a small profit, followed by much bigger earnings in 2017. Even though Thailand has been struck with political turmoil, the super luxury segment of Bangkok’s property market seems to be experiencing a boom. Ultimately Techakraisri is investing for the long term and believes that the government will stabilize, and that expats will be looking to buy his condos as a second or third home. Once the doors open at MahaNakhon and prospective buyers can see the finished product, says Techakraisri, they can expect a higher price tag. “It becomes an emotional sale. When they see the view?-and the residence, the sky bar, the hotel–they will just want it.” This article highlights the vision of a man who didn’t stop believing that a luxury high rise was possible. In contrast, to the Theranos article earlier, it’ll be interesting to see how MahaNakhon tower will do. Our dollar for now is strong, and so I’d recommend looking for opportunities in other markets if you have the ability. If you have a budget, you will be able to focus on two important things: eliminate unnecessary debt and expenses, and build a savings and have money to invest in businesses. If you’re interested in my process go to the contact me section.

Also, below is a preview for the movie the Founder based on the life of Ray Kroc.

If you have a prayer need, or if you’re in need of a financial checkup you can reach me in the contact me section.

“But those who want the best for me, Let them have the last word—a glad shout!— and say, over and over and over, ” GOD is great—everything works together for good for his servant.” I’ll tell the world how great and good you are, I’ll shout Hallelujah all day, every day.”

Psalm 35:27-28 MSG