Hope for your financial life and beyond

Adjusting to Change

“Air ball…Air ball…Air ball!” I hadn’t heard that in a long time. I would have to do some adjusting to change the way I was playing.

adjusting to changeThe mocking chant rang from the guys lips on the sidelines who were waiting to get their turn in the pickup game. I turned and acknowledged the humorous jeering, nervously chuckling over what had just happened. “Did I just shoot an air ball?” Perplexed, I strolled back down the court to pick up my man on defense.

Granted, it had been awhile since I had laced up the sneakers and touched a basketball. Two years to be exact, since the last time I led a practice as varsity boy’s coach. My commitment to take up the reins at home for Mrs. Luke1428 as she pursued a new career had put an abrupt halt to my 10-year coaching run.

Several possessions later I found the ball in my hands again, wide open just beyond the three point arc. I launched the shot again, as any great shooter would do. Short again. What’s going on here? I felt like I couldn’t even get the ball to the basket.

I knew my shooting motion was sound. You don’t forget a motion that has been hardwired into your synapses since middle school and led you to average 30 points a game your senior year at a small town private high school. Thousands of shots through the years produced a perfect motion. Knees bent…elbow tucked…release…follow through. Yet something was missing. My mind continued to process.

It took me another half-dozen misses to understand the sad reality of my struggles. When the thought occurred to me, everything made perfect sense.  Resigned to my plight, I signaled for a sub to come in the game for me and walked off the court towards the bleachers muttering to myself,

“I can’t jump anymore.”

Adjusting to Change Diagnosis

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Attachment: The Giving Killer

Hidden Nuggets Series #4  – ”You shall not delay to offer the first of your ripe produce and your juices…” – Exodus 22:29

1993 JeterMy baseball cards are pretty special to me. My first ones were collected in the early 1980s as rewards after our Little League games. Our coach would give us each a dollar to use at the concession stand when we won. I always purchased a small Barq’s cream soda and two packs of baseball cards. The trip home from the ball field was spent shuffling through the cards to locate my favorite Cincinnati Reds players, all the while chomping on the stale gum from the card packs.

That began a favorite hobby of mine that has continued off and on to this day as I’ve amassed around 12,000 cards. If you came to my house though, you would never know it because for the last 10 years 98% of them have been boxed away in the basement, tucked neatly into baseball card pages and three-ring binders. The other 2% are in the fire safe box, also basically locked away from view.

Every so often, I think about selling the cards, thus ridding myself of the torture of always moving the boxes when they are in the way. Something holds me back though.

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Bang On the Drum All Day: Find Your Passion

I’m not a drummer but this song makes me want to be:

Todd Rundgren wrote “Bang the Drum All Day” in 1983 and since then it has become the quintessential anti-work anthem played every Friday night as the factory whistle blows. Or Wednesday night. Or when the Green Bay Packers score a touchdown. Or whenever you feel like not going to work. Just cue this song in your iTunes library and dream how it would feel to have the reality of the lyrics become true in your own life.

I can see how this song gets a bad rap in some circles (especially the boss circles – note verse three). It seems to raise negative perceptions about a task (work) that is fundamental to our ability to make a profit and survive. I believe God endowed humans with a work ethic. It’s embedded deep in our nature to labor and exert ourselves to cultivate a reward. Why should we hate doing something that creates value in our lives and provides so many benefits – both personal and financial – as going to work? Isn’t work beneficial?

Absolutely it is. No doubt.

So is the pursuit of a passion.

The Power of Passion

I find these lyrics from the song teach me some pretty cool things about passion, about finding something you really enjoy doing:

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July Goals Update: This Arduous Affair Is Finally Over!

Clock midnightCalls after midnight are never good and raise blood pressure levels immediately. Calls between 11 p.m. and midnight still pose some high risk. So when the phone rang at 11:35 Monday night, I sprang from my sleep anticipating the worst.

Oh no…it’s my wife on the other end. She is at church youth camp (with my 12-year old daughter) serving as a chaperone. This can’t be good.

“Hello” I said nervously, dreading what’s coming next. Boating accident? Broken arm from falling out of a bunk bed? Food poisoning? My mind races, preparing for the bad news.

“Everything’s fine,” she says. (Phew. Exhale.) “I wanted to call and say I just received an email from the Georgia Secretary of State saying my CPA license has been approved.”

If it hadn’t been 11:35 I would have screamed for joy!

Someday we will write about this crazy three year journey we have been on. For right now, I’m just thankful to God that goal is behind us. Way to go dear…You Rock!

Here’s my goal update for July:

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When Life Makes It Easier, Push It!

Boy Running in natureNews flash…Life is hard!

Not the most groundbreaking news for this Monday post. Honestly, it’s not even news at all. Our lives are filled with so many challenges we don’t even know where to start counting them.

There are instances however, where a window of opportunity opens, allowing the journey to become easier. Sadly, we often are caught up in our own challenges and struggles. So we fail to recognize the moment and it passes us by, useless and wasted. I was reminded of this again on a recent marathon training run.

A runner faces three types of terrain grades while on the course – flat, uphill or downhill. Runners love the flats as it allows us to get into a steady rhythm and pace. We tolerate the uphill portions of our run, slowly grinding them out, laboring step after step. The downhills are dualistic in nature, presenting the runner with two contrasting methods of approach:

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The Benefits of Living in the Moment

Hidden Nuggets Series #3  – “Give us this day our daily bread.” – Matthew 6:11

In what year are your thoughts?

In what year are your thoughts?

I’m a personal finance blogger. It’s my business to help others plan for and navigate through the future. Yet I find myself often neglecting one of the simplest messages Jesus ever gave his disciples.

Focus on today.

Jesus’ challenge to his disciples came in the heart of what would later be called “The Lord’s Prayer.” He was modeling for them the appropriate way to approach and speak with God. He was alleviating any confusion they had as to what prayer should be. (I assume they were confused because they asked Jesus to teach them how to pray.)

So in the middle of the “Our Fathers” and the “Deliver us from evils,” Jesus asks his disciples to voice this line each time they communicate with their heavenly Father – “Give us this day our daily bread.” It’s a powerful request, and it is just as relevant today as it was 2,000+ years ago.

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An Unintentional Coke Zero Detox

Coke ZeroThe other day, after a rugged morning of shopping with three of my kids, I treated them to lunch at Atlanta Bread Company. Peanut butter and jelly kids meals for them; hot pastrami on rye with spicy mustard for me. And of course, drinks and chips all the way around.

At the drink dispensers, there were multiple drinks that I would consider health(ier) options: water, light lemonade, light pomegranate lemonade, regular unsweet tea and unsweet green tea. I went with another option – Coke Zero. At least it doesn’t have sugar in it.

I love Coke Zero! Have been drinking it for years (maybe one or two a week – nothing outlandish). Regular. Vanilla. Cherry flavor. Doesn’t matter. I even got turned on to Sprite Zero in the process.

But something odd happened when I sat down at the table and took the first cool sip.

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Will You Still Love Me If I Blog For Money?

blog for moneyIt’s a tad bit presumptuous of a post title, don’t you think? I’m taking a gigantic leap in assuming my readers love and appreciate the content they get at Luke1428. Furthermore, that they would continue to tune in day after day if there was an inexplicable directional shift in my blog philosophy – like if I chose to blog for money?

As it stands now, Luke1428 is growing. June and July have seen the best viewership to date in the little over a year the site has been up and running. Why risk ruining a good thing now?

Because I believe this space can be better. Maybe even awesome!

But let me ease any apprehension you might be having right from the start. I could never blog for money only. It’s not in my DNA.

Why I’m Here

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I’m Saving Thousands in 60 Seconds or Less

60 seconds or lessPersonal finance bloggers love to help people develop sound money habits that will yield positive results if consistently applied over time. Many of these habits are hard to develop especially when they require great amounts of sacrifice. It took me a long time to realize I had issues with spending and an even greater length of time to bring that habit under control.

But success with finances doesn’t have to be difficult or take years of intense work learning how to budget or invest properly. In fact, there are some simple, everyday activities that take 60 seconds or less that could greatly impact a person’s future financial well-being. These require only minor preparation and even less time to execute.

Four 60 Seconds or Less Activities

Here are the four, everyday money-saving activities I’m doing right now that take me 60 seconds or less to accomplish:

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Sometimes I Trust in the Wrong Things

Hidden Nuggets Series #2 – “Some trust in chariots and some in horses; but we will remember the name of the Lord our God.” – Psalm 20:7

HorsesMisplaced trust. I’ve done that before in an effort to help me get by.

Friendships. Money and material possessions. Love. And, of course, my wide array of incredible talents. (OK…it may not be a wide array, but I have a few there.)

I love friendships. I enjoy money and appreciate the material possessions in my care. I love being in love. When my talents are used to accomplish something great, I’m thrilled.

There is a big problem however, with all these and other external things I put my complete trust in.

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Should My Daughter Separate Her Toes? (Syndactyly)

syndactylyThis past week Miss LukeTeen28 (my eldest daughter) popped the question my wife and I have been anticipating for the past 12 years since the day of her birth. No, she doesn’t want to have a boyfriend. (We’ve told her she can’t date until she’s 30!) Her interest is in a cosmetic surgery to correct a condition known as Syndactyly – the fusion of one or more toes.

Syndactyly 101

“Syndactyly” is the medical term for this condition. Hers is a simple fusing of soft tissue between the second and third toes on both feet (the left is more pronounced than the right). The issue appears to be genetic in nature, as I know of one other person in my extended family who has this condition.

She is in no pain or discomfort from her syndactyly and the risks are miniscule. The surgery would be completely for cosmetic purposes. (So when she wears her sandals the doofus middle school boys at school aren’t tempted to call her “four toes.”) Maybe the fact that she is almost a teen is figuring into her asking about the procedure now.

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