Hope for your financial life and beyond

The Futility of Being a Well Rounded Person

a well rounded personI used to think the best way to achieve big-time personal success was to be a well rounded person, with knowledge and skill spanning many different areas. I’d become the Cliff Clavin know-it-all type, the person who could be plugged into any situation to give advice or help facilitate a positive outcome.

By being a well rounded person, jack-of-all-trades type, I would become indispensable and people would flock to me for advice and counsel.

Isn’t this philosophy what our school systems promote through the curriculum track? A student with exceptional talent and designs on a career in science must still take general education classes in English and social studies, perhaps even a foreign language. Those classes serve some but not much purpose in relation to the students desired outcome, which is to meet the requirements for graduation.

This post isn’t about the challenges in the educational system. I’ve been involved in education for 15+ years, so I understand the value of having students touch the various fields of study. We would be doing them a disservice if they didn’t have some basic math or grammar skills by the time they finish school. But how much math does the average graduate really need to be functional in society, especially when it comes to managing their financial life?

They basically need to know how to add and subtract so they can balance a checkbook.

What I’m suggesting here is the notion of being a well rounded person only serves to generate mediocrity. Being a jack-of-all-trades means I’m a master at none. Who wants that? I’d rather work to become awesome in a few things instead of average at many, wouldn’t you?

A Well Rounded Person or Awesome Person?

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Fire Brings Out the Best in You

Hidden Nuggets #18 – “For you, O God, have tested us; you have refined us as silver is refined.” – Psalm 66:10

Metal Casting That silver or gold ring you are wearing didn’t always shine with such brilliance. When those elements were resting in the earth awaiting excavation, they had company – nasty impurities. These would have to be removed before that precious substance could be formed into something worthy enough to be displayed behind showroom glass.

To purify metal we need heat – so much heat that the metal melts. In that state, the impurities loose themselves from the metal and float to the top. The refiner scoops off this dross, leaving only the precious metal. The more refining steps taken, the purer and more valuable the metal becomes.

Insert “life” for “metal” here.

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Revisiting Why I’m Here at the 200th Post: The Luke1428 Value Proposition

I didn’t anticipate this journey. Three years ago writing on a blog wasn’t just the last thing on my mind – the thought didn’t even reside in my mind. Blogging was a foreign land I knew nothing about.

Yet, here I am today, almost 18 months and over 143,000 written words into this endeavor, publishing my 200th post. In that time span, there have been many personal finance blogs that have pumped out more content on their sites than I have on mine. I’m not jealous of that fact but rather feel exceptionally pleased with my progress, considering I’ve been doing this part time.

I still have a lengthy road ahead though to become an awesome blogger. That’s my goal. I consider today’s post a valuable step in that direction.

Humble and Clueless Beginnings

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Stealing From Your Employer

Hidden Nuggets #17 – “Let him who stole steal no longer, but rather let him labor, working with his hands what is good, that he may have something to give him who has need.” – Ephesians 4:28

stealing from your employer

You gonna pay for that?

Your employer needs your hard work to benefit the company.

That’s why they hired you. The company was looking to fill a void so it could make a profit. Something about you stood out.  Match made in heaven.

They believed in you…trained you…even facilitated your success by assigning tasks that would maximize your skills.

So why are you repaying that generosity by stealing from your employer?

Stealing From Your Employer Actions

“What? Me? I would never think about stealing from my employer.”

Most wouldn’t. But before you dismiss the question, have you ever done these things at work:

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I’ll Take Money Over Love. Would You Ever?

Hidden Nuggets Series #14 – “…and every one of us will give you 1,100 pieces of silver.” – Judges 16:5

money over loveWhat values would you betray for money? Would you take money over love? Would you lie or steal if you had a 100% chance of striking it rich?

Would you abandon your morals for one million dollars? Would it make a difference for $10 million? $100 million?

Even thinking about that question makes us feel dirty. We try to convince ourselves it would be impossible to forsake our core principles and beliefs for money. Deep inside, however, we know there would be serious temptation, especially if our financial situation was dire.

Such is the nature of our humanity.

Of course the scenario I set forth Hollywood has already made into a movie – the 1993 not-so-critically-acclaimed drama Indecent Proposal. (Kids need not apply to watch!) It’s not an original story line however, because the theme of someone taking money over love dates back much further than that.

She Took Money Over Love

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I’m Running Naked and Loving It

Hidden Nuggets #14 – “…let us lay aside every weight, and the sin which so easily ensnares us, and let us run with endurance the race that is set before us…” – Hebrews 12:1

running nakedHistorians describe a revealing practice among the ancient Greeks. Apparently it was common for athletes participating in distance races and other athletic events to wear no clothing. That’s right…au naturel. Debate continues as to when and where this first occurred. The idea behind it however is clear – remove all encumbrances so the body can perform at peak efficiency.

How times have changed…thankfully!

Last Saturday when I completed the Baltimore Marathon, I did so with over 3,000 fully clothed marathoners.  However, many of them were “running naked,” including myself. How’s that possible?

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That Moment When You Question Your Goals

Baltimore Marathon

2013 Baltimore Marathon finishers medal

Mile 18.

I’m deep in the heart of the most difficult portion of the Baltimore Marathon. My pre-race plan has worked to perfection, with two hours and thirty minutes of patient, steady running behind me. Just ahead though, I’m about to face multiple lengthy inclines, the kind that cut into your pace and can punish a runner late in the race. My legs feel good but I’m not looking forward to these climbs.

Every runner has to endure moments like this. It comes with the territory. There is no way I’m stopping with my goal of a sub-four hour marathon clearly in reach. I’ve been intensively training for the last four months and I’m not letting all that effort go to waste.

As a former psychology major, I’ve always been intrigued by our mind. What is it about the circumstances of the moment that trigger unusual, creative or bizarre thoughts? We think of things at the strangest of times. And as I began a slow and arduous climb in mile 19, I experienced this phenomenon, thinking of something I hadn’t dwelt on in a long time.

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I Need Patience Now!

Hidden Nuggets Series #13 – “…let us run with patience the race that is set before us…”   Hebrews 12:1

ID-10061781The words found in the above verse are fitting considering the incredible task I face. At 8:00 AM tomorrow, amidst the coolness of the morning and the likelihood of rain, I will attempt to complete the Baltimore Marathon in 4 hours or less. I set this crazy goal back during the first weeks of January and the moment has finally arrived.

It’s about time because I hate waiting.

And when the gun sounds and the early stages of the race begin, I will again fight my ongoing battle with patience.

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When Conviction Trumps Value

Music CDSeveral times in my life, I’ve felt strongly convicted about addressing a personal issue. I’m no different than anyone else in that sometimes a barrier of some kind keeps me from moving forward. The choices we make in those moments can have a lasting impact for the rest of our life.

One such occasion occurred my junior year of college. I attended Cedarville University in Ohio, a Christian liberal-arts college of about 2,000 students at the time of my enrollment. As part of our program, each student was required to attend chapel services each day along with the occasional special event, such as a lectureship series or revival meeting. During one of these special events, I became convicted of something that many would call irrelevant and only a minor issue.

To me it was big deal though…made bigger when I realized what it would cost me.

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A Trick to Stay Motivated

Hidden Nugget Series #11 – “And let us not grow weary while doing good, for in due season we shall reap if we do not lose heart.”  Galatians 6:9

stay motivatedTwo weeks from today several significant milestones will take place in the Luke1428 household. On Friday, Oct. 11th, I’ll be flying to Maryland to compete in the Baltimore Marathon over the weekend. That event will bring to an end my arduous 5-month training schedule that has seen its share of nagging injuries, post-run ice packs and more diet restrictions than I care to think about. (Can I please just have a soda?!)

That same day Mrs. Luke1428 will turn in her final grad school assignment in what has been a three-year vocational transition from teaching high school math to becoming a full-fledged CPA at a private accounting firm. We’ve already celebrated the completion of her CPA requirements and this last class wraps up her quest to secure an MBA as well. I’ve written extensively in my monthly updates how mentally and emotionally challenging this has been for the entire family. I really can’t believe we’ve made it to the end of our long, dark tunnel.

Anything of value worth seeking brings some kind of hardship. Invariably the intense pursuit makes it incredibly difficult to keep moving forward day in and day out. The end looms so far in the distance. Weariness sets in. Discouragement soon follows. And then the questions begin.

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My Fantasy Football Obsession: Finding Life Balance

fantasy football obsession

Hidden Nuggets Series #8

The NFL season kicked off last night with the Denver Broncos playing host to the Baltimore Ravens. The long, tedious summer of Major League Baseball is coming to a close and there is no better remedy than good old-fashioned football. Let’s be honest, MLB doesn’t hold a candle to the NFL (or college football for that matter) in popularity.

It also doesn’t compare in fantasyland.

I started playing fantasy football in 2006 in an 8-team league with some of my friends. I won our leagues’ inaugural championship going 12-2. Since then, I’ve lost in the championship game two other times and have only incurred one losing season. My overall record stands at a healthy 60-36.

If you have never played there is something you need to understand…fantasy football COMPLETELY changes how you watch an NFL game. If you are not careful you may develop a fantasy football obsession.

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