Monday, October 12, 2015

Our Columbus Day Trip

Inspired by this post at Roads Less Traveled, I surprised Victoria with a short day trip to Maysville KY for lunch.

After a 2-hour drive straight down Hwy 68, we ended up at the Ohio River and Maysville KY.


 After spending a little time walking around down by the river, we headed back across the bridge and drove a few miles east on Hwy 52 to the Moyer Winery for lunch. It was the perfect day to sit by the Ohio River and enjoy a leisurely lunch. Victoria even snagged a bottle of wine to bring home :-)


On the way home we took a different route and ended up stopping by Serpent Mound, the world's largest surviving example of an ancient animal effigy mound.


Saturday, April 18, 2015

The Ultimate Blueprint

The following is my summary of The Ultimate Blueprint for an Insanely Successful Business by Keith J. Cunningham.

“The goal of owning a business isn't just to be successful, it’s to be successful and stay that way.” - The Ultimate Blueprint, page 2

This book was recommended to me by a successful business owner, who qualified it as “very helpful”. The title certainly hooked me since I've always wanted to have a successful business and I love following proven processes, or blueprints. This is not a book filled with abstract theories but of proven principles. The reader who would benefit most from reading it is one who already owns or runs a business. Currently, that is not my case. However, I have gleaned important insights nonetheless and will attempt to summarize some key principles using some fictitious examples along the way to help illustrate some of the points offered in the book.

Candid and even blunt at times, Cunningham reveals his core business principles, including why great operators get tired and how great business owners get rich. The Ultimate Blueprint outlines critical skills, tools, and strategies required to drive profits and maximize cash flow for any business, regardless of the size or the industry. You cannot create and sustain business success without the appropriate business skills and tools. When you get the tools that work, you get the results that are possible.

Operator or Owner?

"The problem with being a great operator is that you don't get rich, you get tired.  Great business owners get rich." - The Ultimate Blueprint, page 2

In the first chapter of the book the author promises to answer some common questions that typical business owners ask. A few sample questions are:

  • How can I add more value and make fewer mistakes?
  • How can I rapidly find and plug the leaks that are costing me profits and cash flow?
  • How can I be more efficient with my business activities?

Cunningham compares learning and executing the skills taught in this book with going to the doctor for a physical.  The doctor giving the physical knows how to locate and correct the systemic problems with the physical body.  A business owner who understands and uses the principles in this book can locate and correct the systemic problems in a business.

Many business books have been authored by so called “experts”.  However, this one is written by someone who has actually lived the principles that are taught.  One of the common thoughts taught widely by the "experts" is to do what you love, and the money will follow.  This is questionable advice at best and is analogous to “eat what you love, and be skinny.”  This has been proven to not be the best advice, but for the uniformed it sure does sell.

Are You Measuring What Matters?

“What gets measured is what gets done. What gets measured is what gets managed.” - The Ultimate Blueprint, page 19

Have you realized that the person or business owner who does not want to measure probably does not want to be held accountable?  Without measuring how will you know if you are improving or getting worse, and what to do about it once you know?  The author proposes the following steps to creating the business results you desire:

  1. Measure to get clear on where you currently are.
  2. Decide where you want to go; make that your specific goal.
  3. Identify the root problem or cause that is blocking your progress.
  4. Fix the problem or remove the cause.
  5. Measure again to determine your progress toward your goal.

I challenge you to implement these steps in your business and see what results. Be the one who measures and improves, not the one who doesn't.

Revenues and Profits

"The Ultimate Blueprint is to acquire or employ assets that are highly effective at producing revenue and then efficiently convert those revenues into profits." - The Ultimate Blueprint, page 50

Profits are a theory, cash is a fact.  The equation that this book is based upon is "Assets (more effective) --> Revenue (more efficient) --> Profits (more productive) --> Cash Flow or Operating Cash.”
For example, in his successful lawn care business, my son focused on minimizing the monetary outlay for the equipment (assets) he needed to produce the maximum amount of revenue. Once he had revenue, he strove to minimize his expenses to maximize the business profits. Finally, he focused on maximizing the cash that his profits produced.

Here are some key formulas from the book for measuring the effectiveness, efficiency, and productivity of a business:

revenues / assets = effectiveness %
profits / revenue = efficiency %
operating cash flow / profits = productivity %

What is the effectiveness, efficiency, and the productivity of your business using these formulas?  How do your numbers compare with previous quarters or years?  Can you find ways to increase profitability by decreasing expenses in your business?  The bottom line is that for your business to be sustainable, it must produce positive cash flow from the operations of the business.

I think the purpose of this book is clear - to highlight and emphasize the strategies and techniques available for each business owner to optimize and maximize profits and cash flow.  Keith Cunningham does a good job of encouraging business owners to 1) invest in themselves - because that is the key to personal growth, 2) learn critical distinctions so better choices can be made - which is the key to a better life, and 3) do whatever it takes to create excellence, mastery, and contribution - which are keys to fulfillment in life and business.  How are you doing in these three areas?

Saturday, March 21, 2015

Search for Meaning

Here's my summary of Man's Search for Meaning by Viktor E. Frankel.

"The meaning of your life is to help others find the meaning of theirs." - Man's Search for Meaning, page 165


Psychiatrist Viktor Frankl's memoir Man’s Search for Meaning has riveted generations of readers with its descriptions of life in Nazi death camps and its lessons for survival. Between 1942 and 1945, Frankl labored in four different camps, including Auschwitz, while his parents, brother, and pregnant wife perished. Based on his own experience and the experiences of others he treated later in his practice, Frankl argues that we cannot avoid suffering but we can choose how to cope with it, find meaning in it, and move forward with renewed purpose. Frankl's theory – known as logotherapy – holds that our primary drive in life is not pleasure, as Freud maintained, but the discovery and pursuit of what we personally find meaningful.

A Responsible Attitude  

Frankl, speaking about his fellow prisoners said, “What was really needed was a fundamental change in our attitude toward life. We had to learn ourselves and, furthermore, we had to teach the despairing men, that it did not really matter what we expected from life, but rather what life expected from us.” - Man’s Search for Meaning, page 77

It all starts with our attitude, doesn’t it? We need to stop questioning the meaning of our lives and start living in an intentional way moment by moment. Does our personal character shine through with our right actions and conduct? My understanding of what Frankl states above is that joy and suffering are relative concepts, with meaning determined by our individual attitudes and resulting actions. He mentions that people have the ability to choose what they will become. So, one of the applications for me, and hopefully for you, is for each of us to take responsibility for our attitudes along with our personal conduct. Is there something that comes to mind that you need to change your attitude or actions?

Are You Spending or Investing Your Time? 

Now we can understand Schopenhauer when he said that mankind was apparently doomed to vacillate eternally between the two extremes of distress and boredom. In actual fact, boredom is now causing, and certainly bringing to psychiatrists, more problems to solve than distress.” - Man’s Search for Meaning, page 107

Are you able to spend time just being quiet and content by yourself? My observation is that a lot of people are unable to do so and are constantly seeking activity and "being busy" to distract themselves. They may even go to the extreme of creating “distress” in their lives to find a temporary sense of fulfillment. My challenge to you is to become comfortable with just being by yourself and reflecting on your life. This certainly may be more difficult than manufacturing “distress” but is much more productive and fulfilling in the long run. The type of questions found below would be a great starting point in your journey toward investing your time more productively.

Avenues to Meaning  

There are three main avenues on which one arrives at meaning in life. The first is by creating work or by doing a deed. The second is by experiencing something or encountering someone. Most important, however, is the third avenue to meaning in life: even the helpless victim of a hopeless situation, facing a fate he cannot change, may rise above himself, may grow beyond himself, and by so doing change himself.” - Man’s Search for Meaning, page 146

It's important to explore these three avenues to meaning in our individual lives by asking and honestly answering the following types of questions:

  • Are we involved in work we find important and do we help others as opportunities present themselves?  

These are important questions since recent surveys show that upwards of 70% of workers are not actively engaged in their work.

  • Do we value the relationships we have and are we open to new relationships?  

This second question indicates that meaning can be found not only in work but also in love.

  • Are we overcoming the negative circumstances or suffering in which we find ourselves?  

It should be noted that according to Frankl the third avenue of turning personal tragedy into triumph is the most important avenue to meaning in our lives. This seems to be the premise upon which this entire book and Frankl’s theory of logotherapy is formed.

It struck me as somewhat serendipitous that the 70th anniversary of the liberation of Auschwitz was being commemorated while I was reading this book. The utterly miserable conditions that the camp survivors encountered and overcame, and which were described in the first part of the book, left a deep impression on me. I find Victor Frankl’s ability to write such an impactful book in only nine days profound and inspiring. The overall concluding thought from this book presents itself in the form of a question. For what current problem are you taking the responsibility  and fulfilling the necessary tasks set that are before you?

Thursday, January 22, 2015

50 Things I Love About My 50 Year Young Wife

In honor of my wife's 50th trip around the sun I'm sharing 50 things I love about her...

  • She bakes the best apple pies and cinnamon rolls
  • She brings me good and not harm
  • She can bake some mean breads

  • She can be "smexy" on short notice
  • She cares for her children well
  • She cares for my parents
  • She climbed the "M" with me

  • She does not drink...to excess
  • She doesn't have real pinky toes
  • She does not make me go dancing
  • She dresses me well…if I cooperate
  • She enjoys reading and learning

  • She fears the Lord
  • She fights through pain and suffering with grace
  • She forgives me even when I don't ask
  • She gets up while it is still dark to meet with God 
  • She gives good advice to younger women and mothers
  • She goes to RV shows with me


  • She has noble character
  • She is an early riser
  • She is an excellent wife and mother
  • She is dignified and okay with grey
  • She is growing in confidence
  • She is my personal Holy Spirit
  • She is okay with staying home and not going out
  • She is the extravert to my introvert
  • She is the hostess with the mostess
  • She is trustworthy
  • She is wise and kind
  • She is worth far more than precious stones
  • She laughs at my jokes
  • She lets me light candles and build bonfires

  • She likes cats…especially Samoa
  • She listens to me
  • She loves Jesus
  • She makes the bed every morning
  • She makes the house our home
  • She married me 
  • She only speaks well of me (that I know of)
  • She packs great snacks when we travel
  • She planted a vineyard and is cultivating a crop
  • She provides good and nourishing food
  • She raised two wonderful and productive children
  • She recovered from injury and set her career path early
  • She requires few expensive jewels
  • She shares with the poor and needy
  • She speaks my love language
  • She speaks with wisdom
  • She stays in shape
  • She walks and talks with me

Happy Birthday Victoria!


Monday, January 19, 2015

9 Steps to Your Dream Job in 2015

Your day job is probably a good thing. Its just no longer the best thing. It reflects the person you are, not the person you are becoming.

Millions of people are squandering their talents and wasting their time in jobs they don''t love.

Discover your Dream Jobber Plan and turn your passion into a full-time gig. Register for the FREE webinar for Dream Job Bootcamp by clicking the image below.

Dream Job Bootcamp Webinar 300 X 157



Saturday, January 17, 2015

Choose Yourself



This is my summary of the book Choose Yourself by James Altucher    
 
"Most people will not follow the [advice in this book]. But I hope everyone follows the advice of the daily practice, where you internally get healthy enough to make the decisions about what is right for your life instead of relying on century-old customs and antiquated ideas about ‘property rights’, ‘education’, ‘jobs’, ‘politics’, and so on that have kept people enslaved with ancient philosophical shackles." ~ Choose Yourself, page 87   

The world is changing. Markets have crashed. Jobs have disappeared. Industries have been disrupted, and are being remade before our eyes. Everything we aspired to for “security,” everything we thought was “safe,” no longer is: College. Employment. Retirement. Government. It’s all crumbling. In every part of society, the middlemen are being pushed out of the picture. No longer is someone coming to hire you, to invest in your company, to sign you, to pick you. It’s on you to make the most important decision in your life: Choose Yourself. New tools and economic forces have emerged to make it possible for individuals to create art, to make millions of dollars and to change the world without “help.” More and more opportunities are rising out of the ashes of the broken system to generate real inward success (personal happiness and health) and outward success (fulfilling work and wealth). This book will teach you to do just that. With dozens of case studies, interviews and examples — including the author, investor and entrepreneur James Altucher’s own heartbreaking and inspiring story — Choose Yourself illuminates your personal path to building a bright, new world out of the wreckage of the old.  
 
Personal Responsibility    

"That's when it clicked. When everything changed. When I realized that nobody else was going to do it for me. If I was going to thrive, to surviveI had to choose myself. In every way."Choose Yourself, page 4
   
Have you heard the advice that you really can't or shouldn't rely on others? It's true. The only person you can really rely on is yourself, and sometimes you can't even rely on yourself! Others may help you along the way, but you are the one responsible for yourself.  

In this life it's not about luck or wishing. It's not about reading it in a book or just buying another course. You see, I have had the tendency to buy something because I wanted what it promised. What I've had to learn is that just buying something does not give me the benefit it promises. You and I have to put into practice what the book or course teaches to realize the benefits. So, it's really about making good decisions, displaying a personal effort, and taking the necessary actions.  

First Things First   

"Probably the most productive schedule is to wake up early - do your work before people start showing up at your doorstep, on your phone, or in your inbox, etc., and leave off at the point right when you're most excited to continue.  Then you know it will be easy to start off the next day."Choose Yourself, page 231  

Personally, I have never been a morning person, and I've used that as an excuse quite a bit over my lifetime. There have been periods in my life when I did get up early. During some of those times I've even enlisted the help of others who agreed to share a phone call with me first thing in the morning to make sure I was up and going. My day is usually so much more productive when I get up early and start getting the important things done. Imagine what it would feel like to be halfway through the day and have your most important things already done. Trust me, it really is a great feeling 

Are you an early riser? Do you get the most out of each morning? If not, enlist someone today to help you get an early start tomorrow.

(BTW, I just found a free email course called How to Become a Morning Person.  Enroll at http://howtobecomeamorningperson.com)
 
Are You Seeking Constant Improvement?   

"Success comes from continually expanding your frontiers in every direction - creatively, financially, spiritually, and physically. Always ask yourself, what can I improve? Who else can I talk to? Where else can I look?"Choose Yourself, page 40  

James suggests that we always be open to new ideas, strategies and techniques that work in the lives of other people. Financially, I've improved my net worth year after year by following basic financial principles taught to me by several mentors.  Spiritually, I'm constantly learning and seeking to apply spiritual principles in my life that have been taught and practiced by those who have gone before me. Physically, I've lost weight and maintained my health by following a program of simply measuring what goes in (fat and calories) versus what goes out (exercise and calories burned). Ask yourself the following types of questions and answer them honestly:   
  • Physically: Am I eating nutritious and well-balanced meals? Am I exercising enough to burn the calories I take in? Am I sleeping enough? 
  • Spiritually: What/Who are my spiritual sources? When was the last time I thought about the things I'm grateful for? 
  • Financially: Do I limit my spending to what I have available? Am I saving and investing before making lifestyle purchases?  

Although it felt somewhat fragmented, I really enjoyed this book overall. Toward the end of the book, Altucher invites the reader to imagine that everyone we meet here on Earth has something to teach us. He states that this exercise will give us a strong feeling of humility and that we will actually learn from each person with whom we interact. So, what have you learned from someone else today?  

Wednesday, December 31, 2014

Looking for the best cash back credit card for you?

Cash back credit cards are a great and easy way to earn extra money just by paying with your credit card.

However, determining the best cash back card for your particular spending habits can be an almost impossible task due to the complexity of most card calculations. Extra earnings for common category purchases like gas or groceries, quarterly rotating extra cash-back categories, and annual earnings limits are just a few of the obstacles card issuers throw at you.

See the great tool HERE to help you figure out exactly which cash back card is best for you.

Happy New Year!

Saturday, December 6, 2014

Merry Christmas From Our Family To Yours!

Another year is fast approaching its culmination.  2014 was definitely a big transition year for our family. Here are just a handful of highlights:
  • Kayla graduated from Miami University in Oxford, OH, with a degree in International Studies and Diplomacy and another one in Latin American Studies.  Just a few weeks later, she moved to Boston, MA, where she is gainfully employed and loving life.
  • Darren was selected to the U.S. Marine Corps (USMC) Officer Candidates School (OCS), which he successfully completed in November.  He is a newly minted Marine Officer and has begun his multi year training to become an aviator with the USMC.  He currently resides in Quantico, VA.
  • Victoria was awarded her post-professional Doctor of Physical Therapy (DPT) degree.  The time and energy that went into studying will now be channeled into building up her private practice.
  • Barak continued his employment with the U.S. Air Force (USAF) and currently supports several C-5M Super Galaxy modernization projects.  His business trips during the year took him to Delaware, Georgia, California, and Oklahoma.
 Wishing you a most wonderful Christmas Season and a blessed 2015!