Sunday, July 16, 2017


Well, here we are just me and you.  I've spent the past two weeks working.  I've only taken off on Saturdays, because I have two jobs now.  Somehow, I've been able to manage and continue to survive without any crazy shit raining down on me to hard.  Yes, I've gotten yelled at by THE MAN and other such things.  Whatever you do in life, you're probably going to get yelled at anyways so just keep on trying.  What separates those who are fortunate to have a roof over their head from those bumming around on the streets?  Neither is better than the other and are just two different complete perspectives of life.   For me, I just want options.  I want the ability to choose.  Having money isn't the real solution as we all know you're just kidding yourself, trading your time for money is not fun.  The greats will tell you to never trade your time for money.  Unfortunately, the vast majority of us are doing exactly that.  We want to do smart things like start our own business.  We want to earn and streamline multiple forms of passive income, so we don't have to work in some rat race hellhole of a job.  We all want to be big real estate agents and just win it big just by buying and fixing up houses.  We just don't do these things, because it's just hard and overwhelmingly complicated to handle all on your own.  One key human ingredient is confidence and the other is creativity.  Good luck finding your genius.

It's obvious that the rest of us are simply LEFT BEHIND, but how do we simply SURVIVE and stay afloat so we don't go any deeper?  We have our rat race jobs.  We keep our mouths shut and continue to work for that money or get hammered by THE MAN.  We trade our precious time for pieces of paper.  We get that part, so what's the next quantum leap of our average Joe existence?  Most people just point to saving up for early retirement by maxing out every possible retirement plan, pension, IRA, Roth IRA, 401k, company match, annuity, social security, medicare, etc.  By the time you're old as hell, you'll be able to leave the unforgiving, dreaded rat race of the job you hate that you had to work everyday.  Congratulations!  You've reached retirement!

Is being homeless a solution?  Is being on welfare and medicaid the way to go if I don't want to work?  If your answer is YES, you have to find a job you like or at least work towards a job you think you'll like.  The truth is everyone hates to work and is unforgiving at times, but it's certain things like completing goals and overcoming challenges that keep people going.  Instead of thinking about how shitty my job is, I think about investing my money into companies I like that will have a huge impact in the world like Google, Amazon, or even Facebook.  I know my odds are like the biblical story of David and Goliath, but I believe in compound interest.  If you keep investing in quality companies, you'll eventually see big results down the road.  People don't operate like the way you want them to like programming a robot.  The mind needs to be tricked into believing whatever they're doing is fun! So I want to reach my goal of having a minimum investment portfolio of $100,000 within the shortest amount possible.  That means I have to create and reinvent new ways of doing things and develop certain strategies that'll help me progress towards achieving my goal.  Like I said rat race jobs suck, but if you have something you really want to achieve in life you'll work towards meeting your goal.
It's like playing with Lego, you just keep building and stacking up the blocks.  Things will eventually fall and break but that doesn't mean it's the end of the world.  Just keep trying, and you'll create the life you want.

Thank you for reading my article.  Until next time!


Sunday, June 18, 2017

Map Awareness - Finviz

Expose yourself to not only what you know now, but to the entire world!

With the single click of a button, you are now connected to the entire globe!  You now have full, complete map awareness of what is going on.  This is simply what all the other ETFs look like.  Yes, I've emphasized the importance and ease of use with Vanguard but there are others competing on the market as well.  Long story short, you can see what's doing good and what to stay away from.  Is Vanguard the best out there with the greatest gains ever!  Of course not, but it comes close with low fees and good returns.  The good news is you can actually see who's doing the best out there!  No, you're not going to be overwhelmed with boring information and hard math problems.  Finviz makes it very easy to follow with it's color coordinated charts.  No more complicated pieces of garbage.

Long story short, you only have one tool under your belt that actually works: Buy low, sell high.  What the hell does that mean!  What you need is foresight.  You need to have the guts to invest what the market will be 5 years down the road.  This is not a get rich quick scheme.  By reading and carefully analyzing what will be the next Apple, you have to select the right company and put your pennies into it.  For most of us, we have absolutely no idea and obviously need help from gurus.  You might miss a lot of the winners, but don't miss all of them.  This is why ETFs and mutual funds are so important, because they track a laundry list of different assets.  This leads us to international stocks!  Not only international stocks have been doing quite well lately; but they're pretty much half the price of American stocks.  Yes, people are seeing value in investing in other countries because it's much cheaper than USA.  Are we not off shoring our jobs to other countries?  People like cheap!  Yes, they kill each other and are at each other throats all the time in the name of being cheap and stingy!  To capitalize on this global activity all you have to do is invest in international ETFs and mutual funds.  VEA, VWO, and VGK are all great places to start.  You'll have a wide range of exposure of Asia, Europe, and even Canada at unbeatable low prices.  According to the data, things have definitely been growing and building up momentum!  Yes, buying on momentum and when things are going up is an actual strategy some of the pros use.

This is not a get rich quick scheme, but at least now you have a greater awareness of what is going on in the world and a bigger pool of diversification for investments.  I feel excited!  I love exploring new things!  You never want to be bogged down by the same, boring old stuff.  The only thing that ever remains constant in the universe is change.  Well, tomorrow is the start of another one of my work weeks!  I know I will have to push and keep pushing until the weekend.  I know business is not easy.  I know what it is like to sweat.  I know what it is like to work in the rain.  I know what it is like to work in the snow.  I know what it is like to work in the heat.  I also know what it is like to be fat and lazy.  Good luck everyone!

Thank you for reading.  I hope you come back soon!                            

Sunday, June 11, 2017

Diversify, Diversify, and Diversify

Well, just as I was saying to invest in the technology sector of the economy, it goes bust as in the whole mess dropped down 2.77% or about -$4.10 for everyone one of your shares in information technology.  The other sectors did fine and managed to survive, but the technology sector had a really bad day.  For opportunists, it's a great time to buy now as there's an obvious reduction of prices.  Is it life changing?  Nope, not at all; it's just another day in the office.  I'm very use to prices drop in the stock market due to my frequent exposure for such a long time.  I'm 32 years old now, so I've seen quite a lot of craziness happen already.  Ups and down don't move me as much as I've evolved to be less emotional and more reasonable about my wins and loses.  Being able to handle and deal with your loses is much more important of a skill than knowing what to do when you do make bank.  Once in a while, you'll win, but a lot of times the world is full of losers.  It's like playing the lottery.  Success and wins comes through practice and patience.  It's much harder to win than to lose all the time.  In any event, we always want more wins than loses.  There's no way anyone can time the market or predict what's going to happen with stocks.  We are reduced and watered down to diversifying!  Diversity is the key to survival in the stock market.

 Sometimes you just have to let go and aim higher.  You have to reach for the stars.  You have to takes risks.  Making baby moves and trying to minimize risk all the day will only result in small wins.  People are more impressed with something more life changing and revolutionary, like a new home.  Even I'm stuck making baby moves and taking in small wins here and there.  Let me tell you something, no one is impressed.  When you put your big boy pants on, then someone will turn their head and pay attention.  You have to be good at what you do.  You have to accomplish something big.  No one is impressed with a small, one bedroom apartment in the middle of nowhere.  It takes initiation and guts to get to the next level.  You have to have balls.  You can't just be like the everyone else.

As you can see, I have a lot of growing up to do.  I am here to learn from the greats.  I am here to experience and try new things.  I'm not paralyzed by fear or failure.  Respecting other peoples' time and networking is also vital to any business or lasting relationship that you can't just hide from.  Getting people together has never been my thing in life, but I know it's fundamental to the well being of any functional organization or just basic human survival.    

Saturday, June 3, 2017

What to Do with $10,000!?

We are here on this day to discuss how I have $10,000 just floating around, so what should I do with it?  If you had $10,000 how would you make the best of it?  Would you just obsess over it?  What are the best options?  From personal experience and how people live, I would definitely to play keep away immediately!  Human beings are fundamentally flawed and money just magnifies it when left unmanaged.  Sorry folks but paying for overpriced college degrees hasn't helped much in alleviating the pain of economic troubles, and young adults are still moving back in their parent's home.  Starting your own business and/or real estate is awesome, but what if you just can't?  Well, the next best thing to do is invest!  Long story short, it's Vanguard who remains one of the very view who has the potential to ultimately save your ass from financial meltdown.  No, it's not that brand new car; it's not that shiny piece of paper hanging up on your wall; it's Vanguard!  My confidence and conviction in Vanguard is off the charts!  These guys definitely know what the hell they are doing and should be paid a pretty penny for it.  

So what to invest in is the next big question.  Step one, you need to specialize in one particular area.  Being a jack of all trades or a well rounded individual will only land you a job as a barista at a local Starbucks.  A perfect example is Michael Jordan.  He is only well known for his basketball career, period.  Although he tried many other things like baseball, he failed miserably on a professional level. Long story short, you have to stick to one major.  What you specialize in naturally becomes your main source of income down the road.  Look, I really don't want to be poor.  I know the feeling of working a job you hate.  I know the feeling of having to get out of bed for something you give zero shits about but you do it anyways because that is what your paycheck entails what you have to do.  I know what it feels like to have to drive somewhere you hate.  I know much about the disgust people hide who work retail jobs.  There's a whole lot of hate harbored inside, and I just want to reduce the level of toxicity in the world by enlightening not only myself but others to spend their time and money more wisely on things that they can actually do that'll impact their life in a more positive manner.  

Of the 11 different sectors and specialties offered by Vanguard, ideally I would major in information technology.  As you can see from the chart about, it has the highest growth potential out of all the other options.  The numbers do not lie but people do.  Information technology encompasses all the hardcore nerdy aspects of business, including Google, Apple, IBM, Facebook, Microsoft, Cisco, etc.  Investing in things like artificial intelligence is just perfect for someone like me.  Earning money is a cold, calculating system.  I want the brains of the operation.  Be ruthless!  Although I do not discredit any of the other sectors, I just want the quickest and shortest path to victory.  I've wasted enough time exploring and just want to go straight to the goal.  With the greatest amount of risk, there is also the greatest amount of return.

Thank you for reading!  I hope you learned something from my mistakes.  Until next time!    


Friday, June 2, 2017

Having an Impact on the World

Well, it's clear to me that I need to be worth a damn if anyone out there is ever going to take me serious or be interested in my content to the point that I would have a large, actively involved audience who'd be more than interested in seeing me because I have some value to offer.  Feeling useless or not knowing what you want to do or be is not something you want in life.  You always want know what you want to do or not to do.  I need to set goals and standards as a way to feel more like a productive, evolving human being.  No, it's not fun being stuck in the process of growing and change.  Taking risk and learning from your mistakes is all apart of learning and growing.  Without pain, there's no gain.  Your comfort zone is going to be one of your biggest enemies ever.  Just don't be lazy.

In any event, if I can turn a homeless person into a hardworking, productive individual I would be happy.  If I can turn a middle class hard working man who's trapped in the rat race into someone  who can make sufficient passive income without having to work so hard, I'd also be happy.  Hard working or not, the end goal always leads to money.  Basically, we  still live in  times of the ancient Babylonian magic money slave system.  To counteract such a powerful method of mass, incarcerated slavery, we have coinbase.  It's basically where you can buy/see alternative forms of currency beyond what we are use to like the US dollar.  It's a fundamental that people will try to short sell all day long using this platform - buy low/sell high.  But did you do it?  Of course not, it's too late in the game.  Would you buy Litecoin at $28 a pop?  You probably think that's crazy, so you'd never do anything.  Have you been an early investor of Bitcoin, you'd be a millionaire by now.  But does anyone you know ever take that risk!?  At $20 a share, did anyone believe in Google, Apple, Amazon, Tesla, etc.? If you put the effort into investing in those particular companies in their time of need and uncertainty; you'd be rich right now, not having to work that job you hate and have the money to buy a home for yourself!  Did you do it!?  Did you put in the effort to do what was necessary in such a time of risk!  If you did congratulations!  For the rest of us, we have Vanguard mutual funds and ETFs.
Invite a friend who buys or sells $100 of digital currency or more, and you'll both earn $10 of free bitcoin!

So you find yourself late in the game, right?  Amazon and Google is approaching $1000 share.  Facebook and Apple are $150 or so.  I mean, how in the hell are you going to catch up to these cooperate giants taking over the world as we speak!?  We have Vanguard to thank for all that.  I have put thousands of dollars inside my Vanguard just so I can stay afloat.  What I'm trying to say is you don't want to trade your time for money.  If you don't own and run your own business, the next best thing to do is invest!  Owning your own business and investing trump trading your time for money. 
I provide nothing of any greater advice that has the capacity that can change the course of your history and have an actual, positive impact to someone else other than to invest in Vanguard funds. With the national student loan debt approaching $2 trillion, the average student is not making the cut. The educational system is just not working anymore.  In fact, it's broken.  Something is very wrong.  Someone is lying.  Some money making marketing machine is dispensing very harmful information to lure kids to buy a product that sucks.  Having student loans grossing $80,000+ is not an easy task to pay back if you're only going to make about $50,000 a year on average!  Even if you lived in your parent's basement, you'd still have a hard time pulling it off.  Invest early and often.  Spend your money on index funds instead of a new car.  You don't want to be working forever.  You don't want to be stuck in a dead end job.  I'm not against the idea of materialism, but I am strongly opposed to slaving your life away at a job you hate.  Only 1% of the population will ever find a job they like!  Just make sure you're apart of that 1%!    

Thank you for stopping by and reading my content, which I have created from my own two hands.
I appreciate your company.  Until next time!

Sunday, May 7, 2017


So I've recently decided to just dump all my earnings into a diversified Vanguard account consisting mostly of ETF.  I'm up about $600 -  $700 without having to bust my back doing something I hate for a job.  There it is my readers, all you have to do is build up your Vanguard portfolio with ETFs and/or mutual funds that have a large potential to grow.  Yes, you still need to wake up in the morning, rush out the door, and start hustling/busting your ass; but at least you now you know a sound way to invest and reinvest where all your hard earned dollars is going.  As far as right now, Vanguard is a working like a well oiled machine on autopilot.  All you have to do really is make sure you feed it every now and then like a plant or pet at home.

Instead of buying a new car, a new watch, home, or something really materialistic; all I did was invest and reinvest my money.  No, I don't have a desire to dress and look the part of a millionaire or have the need to outshine anyone else as I already know I'm not ONE OF THOSE.  Compassion, humility, kindness, knowledge, the ability to learn new skills, work ethic etc. these are the things I want in my life.  Being an arrogant asshole with shiny new objects isn't something I want to become or be as I know it'll rot my soul to the core and be my very own self destruction button.  Yes, we are all guilty of wronging others, polluting, being mean and nasty; and that is why it is so important to learn a balance of kindness and assertiveness.  Just being able to help someone who could never help you back in anyway, shape, or form is such a powerful message that just strikes a chord that'll vibrate the whole universe as though God came down from the heavens to answer Jesus's prayers.

Regardless of my belief system, Vanguard is doing a great job protecting and growing my investments.  Long story short, the IT ETF is doing amazeballs and is where you want to invest for growth.  The technology sector is where you'll find the fastest growing companies.  Healthcare, consumer staples, and consumer discretionary is also up there in the competition as well.  The top industrial players include Apple, Google, Microsoft, Facebook, and even Amazon.  You can run but you can't hide from these corporate giants; all you can do is INVEST.

As one can see, if you zoom past all the bullshit, mishap experiments, and disinformation what you really want to do is invest in the top sectors that'll give you the maximum of growth in the least amount of time.  Diversifying is important, but putting your money into Europe and/or emerging markets probably won't generate a quicker growth rate than simply investing in large American S&P 500 companies.  Investing in foreign companies and countries is great and all, but it's mostly for diversification; not achieving maximum return of equity.  No matter what happens or wild stories are told, tomorrow is in fact Monday and the whole rat race stars anew.  Prepare your work clothes, your lunch bag, and shoes to rush out into the traffic in the morning to reach that God awful place you call "my job".  

Good luck!    

Saturday, May 6, 2017


If everyone was a millionaire there would be no sense of urgency to get off the couch and work their ass off.  You would not want to work if you believed yourself to be all that and a bag of chips and that is why it is so important to HIDE YOUR MONEY AWAY.  Arrogance and ego, these are the true enemies that will prevent an individual from learning and growing.  Once you believe yourself to be on the highest point of the mountain, everything comes to a halt and all of the sudden the journey ends.  The flow, the focus, the sense of urgency to achieve something bigger than yourself just isn't there anymore!  After taking a break for a while, you'll eventually look for a new goal.  The hardest part is starting all over again, but what makes you want to get off your butt again?  A lot of us have accomplished big things in life, but fail to find and do our next big thing due to laziness, lack of initiative/energy/funding/networking/etc. to the point of just making life easier by not caring anymore about our dreams.  So how can you speed this process up!?  Yes, we all want to do and accomplish big things; but what's the fastest way to get there!?  There must be a catalyst out there somewhere in the universe right!?  To obtain such a sense of urgency to provide value to not only yourself but others, you need to be devoid of wealth and be in the emotional alignment of humility  Remember your school days where none of the kids had any money? I mean, how did people even function?  Without the constant access to vast wealth, things like learning, teaching, productivity, and results were taking place!  So, it's not always about money!  You can have and live a productive life without lusting and drooling over money all the time.  Yes, we all want the money; but it should not be on the very top list of your priorities.  For example, working a job you hate to achieve money for the sake of accumulating wealth is just detrimental to your health and job satisfaction level.  If all you see is the money, it'll be a long and grueling path up a treacherous mountain.  Yes, I am also guilty of working a job every week just for the money and believe me what I have to say about hating your job.  I would like to practice what I preach, but in this hostile economic climate you wouldn't survive.  With all that said and done, there does exist one perspective that does make earning money fun and that's by looking at the growth rate.  People love to see what they own growing in numbers and by tracking the percentage of growth week, instead of actual numbers, is the trick!  Because numbers are so infinite, a much easier way is by looking at things in percentages that'll make things actually fun like playing a game.     

Believe it or not, being humble is another big topic on the list.  If you score high in humility taking a personality test, the chances are your willingness to learn and grow are much greater than someone who has a low score.  Being able to learn and pick up new tricks of the trade will pay you back in dividends in no time.  So what's wrong with learning?  Some people just don't care and don't want to learn as in "You can't teach an old dog new tricks".  Underneath the actual iceberg, an individual may not want to learn new material because they lack the humility; they think they are too cool for school and that they know everything already.  Not having the capacity to learn and being able to pickup new things on the road is the true meaning of ignorance.  Never stop learning.  The military knows this extremely well as they'll routinely breakdown a person in training to build them back up to what their standards are.  Believe it or not "smart people" have really high score in humility.  For example, Elon Musk who has created Paypal, Tesla, and SpaceX is high in humility.  Although he has tons of brains and money, he doesn't come across as an arrogant asshole.  His high level of humility is what gives him an edge over his competitors; because he's willing to learn, adapt, and change.  Everyone wants to learn and do great things, but the only way there is by being humble.     

In conclusion, if you want to get off that couch and get things done all you got to do is be poor!  You'll do a lot more to earn something than if you felt full all of the time.  What you are trying to do at the most primal level  is create a real sense of urgency.  For the icing on the cake, being humble will help you learn and adapt on your way.  

Thank you reading!  I appreciate as much audience I can reach out to! Have a good weekend!