Hope for your financial life and beyond

Gambling on the Super Bowl – What I Didn’t Know

Football and MoneyThe culmination of the 2012 NFL season is just a few days away. The Baltimore Ravens and the San Francisco 49ers have made their way to the final table and are busy making preparations for Super Bowl XLVII in New Orleans. I will be one of countless millions from around the world watching from the comforts of their home. I’ll enjoy being with my family, course after course of great food and hopefully some great commercials.

This year, I will watch as a casual, relaxed observer because I couldn’t care less about either of these teams. But I’ll watch anyway just because the Super Bowl is the biggest sporting event of the year. It’s must see TV in my book.

Another reason I won’t feel any tension is because I won’t have anything riding on the game in someone else’s book. That’s right…no bets on the game in my house.

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Bikes, Lies and Video Games

 

Boyd Cleaners

Blue summer skies. Perfect temperature. What a great day to ride my bike, shoot some hoops or maybe even chase the dog around the yard.

I would do all those things later. Right now, I had bigger things on my mind – Boyd Cleaners and Pac-Man. I opened the garage door, grabbed my bike and sped off down the alley.

One minute later I arrived at the side door of the cleaners near the drive-thru pickup. I opened the door and headed to the change machine to convert my dollar bill into usable coinage. When I turned around, I was met with the site of something that would change my life to this day.

Sitting next to my beloved Pac-Man was a new video game – Kangaroo.

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Talking Ourselves Into Trouble: “Ain’t Nobody Got Time For That”

Fast PorscheOur culture moves at breakneck speed. News happens fast, food is served fast, and medicines to deal with our bronchitis act fast. Technology may move the fastest of all. It seems as though new devices are released everyday. And just when you think you have caught up, you are already behind.

The pace of life and the urge to keep up creates tension with our finances. We develop faulty thinking and succumb to spending money we don’t have. Poor logic and impulsive decisions often get us into financial trouble that can take years to work through.

Truth is, there are mechanisms we could use to prevent us from getting into financial trouble but we talk ourselves out of using them. Ever had any of these thoughts run through your mind?

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I’m at the Top of the Hill…Should I Go On?

Hilly RoadI’ve been running consistently now for almost two years. In that time, I have learned that runners face many mental and physical challenges. From the everyday muscle aches and pains, to the mental exhaustion of a four-hour marathon, to getting yourself out of bed for that 30-degree winter morning run, there is much to overcome.

The obstacles we runners may despise the most are hills. I don’t mean gradual inclines in the road or the gentle rolling hills you can fairly manage. I’m talking about the long, steep, crush-your-pace kind of hills that make your heart feel like it’s going to pound out of your chest as you climb to the peak. These are brutal especially when multiple ones are strung together in a short distance. Up and down, up and down, peak then valley, peak then valley…ugh!

I’ve had a lot of experience running hills because they surround me where I live. I’m actually thankful because by running them, I have been better prepared on race day. During all my training though, I have found this to be true – it’s both exciting and intimidating at the top of a hill.

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Fall in Love With Work (Again)

Patched HeartAre you in love? Perhaps it’s that special someone you’ve chosen to share your heart and soul with for the rest of  your life. Or maybe it’s that favorite caffeinated beverage you must consume each morning to jump start your day. I’m sure others (not me) are completely in love with one of the two teams who will be pursuing the BCS Championship on Jan. 7th.

What about your work? Are you enjoying the daily grind of your career? That’s a tougher question for many people to truthfully answer.

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What I Learned About Blogging From My First 50 Posts

Blog WorldWe can learn by reading and studying a topic, but nothing serves as a better teacher than experience. There comes a time in any endeavor when you are required to gain that experience by jumping in with both feet. I chose to jump this past July when I started Luke1428.com.

Last Friday, I wrote about the 4 things my first 50 blog posts taught me about myself. Today, I would like to share 6 things my first 50 posts taught me about blogging.

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What My First 50 Blog Posts Taught Me About Myself

shakespeare bloggingOn July 3, 2012 I started writing this blog. It’s taken six months of part time posting to reach this, my 50th blog article. So in honor of this personal milestone, I am writing a two-part series on what my experience has taught me thus far about myself and what it has taught me about blogging.

So, for part one – 50 blog posts have taught me these things about myself:

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Have a Dream? You’ll Have to Change This

Daily schedules can be an exhausting grind. We wake up, hit the morning home routine and life doesn’t stop all day…kids to school…rush hour traffic…(some of you are worn out already)…hectic, mentally draining work-day…kid pickup from school…rush hour II…quick dinner…county rec-league sports practice…evening projects…10 minutes (maybe) talking to your spouse…your favorite late night show…repeat again tomorrow.

But wait, I missed a step in the daily schedule…a step that is crucial to us being able to “repeat again tomorrow.” Our bodies can’t do without it and, if truth be told, it is something we all look forward to everyday.

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A Simple Answer to Election Results (and Other Life Decisions)

On Tuesday, President Barack Obama won a second term in the White House by defeating Republican challenger Mitt Romney. President Obama prevailed despite a laundry list of national challenges that were present in his first four years in office. Here is a short recap:

– Rising unemployment

– Expansion of national debt

– Higher gas prices

– Lower household incomes

– Controversial health care reform

– Government takeover/bailout of an auto company

– Soon to be higher tax rates

– Tense foreign relations (especially with Israel)

Logic dictates these challenges would not bode well for a sitting President. How did he overcome these seemingly devastating national issues? How was he able to convince 60 million Americans he was still the man for the job? The answer lies in a simple word: pain.

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Of Marathons and Money: Recovery Week Edition

Recovery. It begins the moment you cross the finish line. First step, take the shiny, thermal blanket to stay warm. Then, keep walking…drink…eat…stretch. Once you are home, it’s hot tub soak…eat and drink some more…and Tylenol PM so you can sleep. The next few days means no running, maybe a massage, and lots of stretching to relieve muscles soreness. All in all, the physical recovery from completing a marathon takes about a week for most people.

The mental recovery will most likely take longer.

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Of Marathons and Money: Post Race Edition

Success! I completed the Atlanta Marathon Sunday morning in 4:07:54. That time ended up being a 9:23 pace per mile which I was really satisfied with. A 9:30 pace had been my goal. The weather was in the mid-50s and cloudy. We ended up running through several patches of drizzle but nothing to make one uncomfortable.

Overall I ended up 321st out of 982 finishers, placing 38th out of 113 in the 35-39 age group.

The biggest challenge of the race was the physical wall you hit about mile 20. I knew this was coming because I had read so much about it and had experienced it a little bit in training.

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