Post-Irmacane Update

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Thank you to everyone who inquired about the interactions that Michael and I had with Naples’ unwelcome guest, Irma.
We were in a mandatory evacuation zone, due to our proximity to the Gulf and fears of storm surge, so we headed to Gulfport, Mississippi. Ironically, this community is where Hurricane Katrina came ashore several years ago.   It still bears the scars.
Irma made its second US landfall on Marco Island, several miles to our south. Thereafter, the eye actually passed over our neighborhood, so we feared the worst.
We made it back home yesterday.  Some areas of Collier County have serious damage, flooding and habitability concerns.  But our property, like virtually all in our neighborhood, is essentially unscathed. Minor damage, screens missing, a few dings and bumps, a few missing roof tiles and soffitt damage, along with massive vegetation issues (downed trees, bushes uprooted, etc.) seem to be the biggest effects. The major lingering issues are water safety – due to nearly 200 water line breaks, all of Collier County is under a boil water notification – and sewage. Because power is still off to some of the lift stations, all residents must be cautious about overtaxing the sewers, as they are backing up; so no clothes washer or dishwasher use, very quick showers, flush only when absolutely necessary.    Many stores and businesses are recovering slowly, and thus groceries and gas are tight.  Still, our problems are inconveniences compared to some of the images we see from other local residents, across the Florida Keys and further out into the islands.
Thanks to all who expressed their concerns.


There is much happening in my world. As you might have gathered from the subject line, I have been quite busy. However, despite evacuating Florida last week and Hurricane Irma making landfall in Southwest Florida very close to my home (Thank you God for my abode being intact), my business is still running, for which I am giving myself a proverbial pat on the back. As I write this, my neighborhood has no potable water, insufficient sewage, no power, spotty cell service, limited gasoline and food supplies and debris strewn about.  Paradise will return to Naples soon!  Irmaggedon will not keep us down!

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The Power of Commitment & Why it’s Okay to QUIT



Why is commitment of the utmost importance in your life? Your ability to commit is the most important skills you can develop. It is one of the primary reasons for success or failure in life.

Commitment is the strategy utilized to match your aims. Consequently, it may be raised or lowered accordingly.

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How brave are you?

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COURAGE: It’s time to design your life. How brave are you? Remember, as the president of YOU, LLC you are the one who must make decisions on how you want to be investing the time of your life. If you don’t, someone else will. Be courageous! What do you want to do, be or have? Examine each area of your life. Ask yourself how you would like that area of your life to look. For example, in terms of livelihood, ask yourself where your unique talents and abilities are most appreciated and highly paid. What would you like to do that you are not doing now? What would you do if you could not fail? Do you want to work for someone else or for yourself? What will it take to make that change? If you are an investor or trader and you are doing so for yourself, your answer will likely be different than someone who is running a business or working at a job. Perhaps you are working a job and would rather be investing or trading. Be courageous enough to admit what you want so that you can open the door taking the steps to creating the life you desire. 

To Each His Own

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It is time to identify your values. Getting clear about what’s most important to you in life will help you establish a firm foundation for every decision you make, investing or otherwise. Knowing your values will free you from those moments of stunning and frustrating indecision about everything from what to invest in to where to work to what and who is on your calendar. When you take steps to clarify your values, you are making the decisions about your unifying or operating principles. You decide what you believe and what you stand and do not stand for.

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Dare to Dream

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YOU ARE DREAMING (and it’s good) 🙂
It’s time to dream! Make up a “dream list.” Write down every single word or description that you can think of to visualize your life five years from today. “Begin with the end in mind” as Stephen Covey would say. Use “back from the future” thinking. Project forward five years and see that you have already achieved your goal. Then look back to the present and think of the steps that you would take from today forward to get where you want to be in five years.

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Have You Ever Done This?

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Have you ever made a mistake?

We have all made them. One of the most powerful and freeing things you can do is to admit it when you have made a mistake. The quicker, the better so that you can move on to the next right situation.

When you are wrong 70% of the time (and as humans, this is the case), it’s easy to make a mistake. The more you try, the more likely it is that you will make one!

It’s best not to waste time defending something that did not or will not work out. Move on and do something different or better. Fix the mistake by developing and implementing the solution.

Zero Interest Credit

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Zero Interest Credit: Too good to be true? By: Ari Page, business funding expert

The old adage is that if it sounds too good to be true, it probably is. Browsing through your mail, you’ve likely come across no interest credit solicitations from various institutions and wondered how they can do that. In the case of zero interest credit, the adage actually doesn’t apply.

To understand how they can do it, you must consider how banks operate. Modern banks operate through the use of short term financing and interbank loans, which are used for lending and, in turn, profitmaking. In other words, if a bank isn’t lending money, it isn’t making money. Since the great recession hit, interest rates have remained at historic lows and banks have been able to borrow at near zero percent from the Federal Reserve. Banks will then lend funds out through a variety of products, with a variety of terms. Again, with rates at historic lows, banks are able offer better rates to their customers.

But still, borrowing at zero and lending at zero doesn’t make sense, right? If you think about other ways that banks make money, it makes complete sense. Consider what banks do with credit card receivables.

Since 1987, banks have pooled credit cards securities into an asset backed security, which is then sold to investors. With over $200 billion in securities issued, companies, such as Citi, fund upwards of 50% of their credit card loans through asset backed securities using credit card receivables as their asset. Much like their mortgage and auto loan backed securities brethren, they’re sold based upon the creditworthiness of the pool. The ratings range from AAA to D, with AAA being deemed the least risky.

In other words, business owners, and other highly creditworthy borrowers, are pooled together into AAA rated securities, which offer the least risk to the investor and pay a lower rate of interest. Marginal borrowers, or those considered subprime, would be a higher risk and a lower rating, which requires a higher interest payment. The bank subsequently uses the investor’s capital to fund more credit card loans, while the investor earns interest on their investment.

In recent years, banks have tried to make fees part of their “bread and butter.” Not only do they do this to pad profits, but also to make up the difference for lost interest. Want to transfer money from a higher rate card to an interest free card? There’s a balance transfer fee for that. Unlike revolving cards or credit lines with an interest rate, the balance transfer fees may be uncapped to make up for lost interest income. Moreover, some cards also have an annual fee, which is simply you paying for the privilege of having the card or line of credit. Annual fees are most common on rewards cards which, generally speaking, do not offer interest free terms.

Working with a company of such a high caliber as Fund & Grow, which specializes in helping small business owners obtain no interest business credit, can help you sort through the morass of balance transfer fees and annual fees to ensure that your APR is as close to zero as possible.

Although the zero percent interest term may be capped, CCB Corporate Officer, Ari Page, mentioned in a recent radio talk show interview that “If you’re a professional and you know what you’re doing, that’s just not the case. Banks hope you’re not savvy enough to realize that if you know who to talk to and what to say, you can keep rolling over zero interest introductory offers for the foreseeable future” using what he calls “exit strategies.” According to Mr. Page, business owners are the “crème de la crème” in

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Choosing Differently

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I changed my mind.

Many people cause themselves and others a tremendous amount of stress by agonizing over certain decisions that they have made and later regret.

Instead of agonizing over a change in decision, recognize that the answers have changed and that the best thing that can be done is to take appropriate action (choose differently) and communicate early!

Caveat:  by no means does this mean you should walk away from your legal obligations!  Simply remember when you make decisions such as accepting a job, making an investment, a major purchase, or committing your resources to a particular project that is okay to say no after thinking about it.

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Your Re-Invention

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As you move forward in your life re-invention, here us statement you could practice and use to keep you flexible and moving forward for the rest of your life. This key statement will  keep you focused and solution-focused:

I was wrong.

As a society, we are so wedded to being “perfect” that we will render ourselves physically and mentally ill rather than admit we are not perfect.  Studies show that we are wrong 70% of the time!

If you have found you have made the wrong decision, admit it quickly, correct it or change it, and get on with your life.
Avoid wasting one minute of your life defending a poor choice.

Accept the answers have changed, move on, and make new choices.