Two Depths of Red – 5 Ways to Score Salvation.

“Red is love or mean, nothin’ in-between.”

Renee – Fourth grade.

She gasped at the trickle.

Maroon and warm. And it cast a cold chill down my back.

Hurts inside when a crush observes you getting crushed.

knocked out

My best friend at the time (who is now an award-winning NYC playwright, director), told me after class how they all watched. Stunned. Subsequently, several classmates became victims to teacher bully.

Although I believe I was the one special enough to donate blood to the cause.

Bullies are always red, by the way.

red bully

A pin dropped in science class. Quiet. Like liquid-flooded ears. Sound proof, lead-drenched painted walls of a New York City public school insulated my shame.

Dead silence within a late afternoon when classes are anxious for the 3 o’clock to bell to cut through the noise of nothing.

A trickle of rosewood warm from the left corner of my mouth.

Splatter soaked up chalk letters on the board, pooled under a white “e” and dripped streams, now purple in color as red and black of board blended.

I felt her green eyes on the back of my neck.

I observed the blood of shame, too.

And did nothing.

But take the hit.

“Look you little shit – you bled all over my shirt!”

little shit

I vividly recall.

The score in my head.

The rhythm of rage that pulsates in the brain.

Sharp flares of electric crimson. Deep within a place. A red space.

consumed

The one teacher whose name I’ll never forget. Evil who physically and mentally abused several kids, including me – and we never told. Nothing was ever done to stop him. We didn’t talk. It was best to remain silent about these kinds of things back then.

A Tuesday I was afraid to answer a question, stuttered, as he dragged me over a desk by my left arm, to the front of the class and smashed my face against some scientific chalk scribble.

Hot anger burned me.

It’s cooler now. Frankly, what remains after decades, is smolder of a thought scarred by embarrassment; although memory of the event is a tinder I work to contain.

On a positive note – The devil died last year.

Too bad it wasn’t sooner.

To lessen the weight of the fire-brick in my head, flames were contained. Focused on other things.

I needed to convince myself the abuse wasn’t my fault.

And actions I’m not proud of, were taken.

To move on.

To dilute red.

To right a wrong.

black red

“What the $)@)% is up with the front door?

Dad – 1971

Poor Leon the superintendent.

He was so gracious (and super). A man with a heart of gold. A janitorial giant.

When my mother insisted the front door of our tiny Brooklyn apartment be painted shiny deep red as opposed to blackish-green like everyone else’s, he reluctantly obliged. He was like that. Couldn’t say no to people smaller than him (and most were smaller).

He should have said no.

I asked him. Pleaded.

No, really.

We didn’t require the attention.

For someone who said she didn’t like the spotlight, mom sure did love the shiny-bright conversation red created.

red door

Rows of dark ways on hinges. Suddenly: A lust-red pop of color.

The red door with the golden peephole became talk of the neighborhood.

Red seeks attention, too.

And once red is released, it leaves embers that dance around you like fireflies which never lose their glow. When red lands on you, you’ll wince. For a second. Then you’re ok, again.

Although a second can turn to years. Decades.

Random Thoughts:

1). Red is love or mean, nothing in between – Red represents the best and worst  inside us. It’s an orgy of love demons, the dancing cadre of hate devils we need to recognize as red forms from the strongest of emotions. I’ve learned to befriend my reds,  consistently acquaint them with cooler cools to direct impact. I’m human. I fail a lot. I’ve learned to recognize red-flames rising; now I know where to go and how to channel the heat. Best to pick up on the teachings of those who drench lives with cool colors like Kamal Ravikant.

2). Red is passion. Or a prison. You choose. Best to direct energy to passions which will take you to new highs, lighter shades. In Random Thoughts, I deem Kevin Carroll a muse, a motivational force. Kevin is the author of Rules of The Red Rubber Ball. The ball is a bounce of passion, the stuff that drives you, the lessons that attach you to the teachers who elevate (and not bash your head in).

Kevin writes in such a fun way. His words explode in the ruby-red of passion.

I carry his book in my computer bag. I purchase copies for those in my inner circle (still in expansion mode). When I’m discouraged, pissed off,run over, his sentences inflate me. They add pure oxygen and life.

Red was different in Brooklyn, 1973.

For my mother, the apartment door was a prison. She kept closed, locked and tight behind red.

Afraid of getting smashed by the world, so never experiencing it. The door seemed to experience quite a bit, however.

Tough choice.

Yes, red is a prison, If you allow it to be.

Don’t let it be.

red prison door

3). To grow, you must bleed. The words of the great James Altucher. You’ll bleed to move forward, learn, become aware of the present, shed the past, not worry about the future. No avoiding the blood. You must admit and share your failures, your pain, to grow, help others grow.

Red is also the blast-furnace of fear, anxiety. High blood pressure.

James:

“Sometimes I feel like I’m engulfed in red flames. I don’t want to be afraid or anxious any more.

There are two banks to the river: on one bank are all the regrets, guilt…past.

On the other bank are all the worries, anxieties…future.

I lived most of my life on the bottom of the river, clinging to my fears of being swept up by all the currents. It’s hard to let go. I was afraid to crash into the banks. Everyone else around me was scared also.

But the only way to get to the ocean is by letting go of the fears and anxieties. By not clinging to what was stolen so you can enjoy the energy that is yours forever.”

You must allow red to roll over, swallow you. Awash in it. Then let red spit you out. Don’t fight. Resistance does not help – it creates small slits that become gaping wounds. Big damage. I know.

Once you’re aware of red, let it hit, smash your face.

There, there. It wasn’t so bad.

red face

4). Red in doses. Not so bad. A bit of anger won’t destroy. Actually, it may motivate you. When I found out that devil teacher died, I made it my business to call his family and explain how glad I was he was dead. I shared with them what he did. How he inflicted pain on others.

I know. Horrible.

But necessary.

I thanked them.

Because the anger for this man pushed me harder. When I was young, I needed to prove him wrong. When he told me I was stupid and wouldn’t amount to much, it stuck like a red sharp in my gut. He never knew when I succeeded. I did. That was enough.

His black nature created red motivation.

5). The red in your portfolio can mislead. Investors dislike the red of loss; many become frustrated when investments don’t work out. Understandable. As we hate losses twice as much as we enjoy gains, red signifies lost money, dwindling net worth. This year, there’s red in bonds and emerging markets which means frustration. Don’t overreact. Examine and adjust. With bonds, make sure your duration (a measure of interest rate risk) is three years or less. An objective financial partner can help you prepare for a rising interest rate environment (which can cause deeper reds in ’14 depending on your mix of bonds).

Emerging markets have not worked. Emerging markets bonds are priced attractively but have been my red stain in ’13. I will consider adding to them in the new year.

Michael A. Gayed, CFA, Chief Investment Strategist and Co-Portfolio Manager at Pension Partners, LLC., makes the case for emerging markets in a recent article for MarketWatch.

Great Convergence of 2014: U.S. and Emerging Markets.

Red saves, cleanses, burns out. Burns up.

But be careful.

Because red can kill.

Or save.

Pick the path.

Red is a winding road,

Coveted by flame.

A color that sets your mind ablaze.

For the good. Or the bad.

You’ll be glad to tame the dread,

And channel the turmoil,

the red in your head.

red road

Year-End Financial Planning Tips. And a Life Lesson.

Another year.

Gone.  

2013 is history.

Well, almost.

I’m glad.

For me, it is a year to forget. Too much physical, financial and mental anguish.

But their were (are) lessons.

Always. Lessons.

A friend I lost this year asked me – “Must everything be a lesson?”

Well, duh.

lesson

Now I understand why she’s a former.

Let’s wrap up 2013 (good riddance) on a solid financial note.

Here’s how.

Random Thoughts:

1). No need to rush – Among your employer benefits choices, there’s an account you direct money into each pay check. It’s called a “Flexible Spending Account” or FSA for short.  It’s a good thing because it allows you to pay for qualified medical expenses using pre-taxed dollars.  At the end of the year, many of us are in a mad scramble to spend the remaining proceeds in an FSA because it’s been a “use it or lose it” situation. In other words, if you didn’t spend the money before the end of the year, you lost it. Not anymore.  In October the U.S. Treasury Department relaxed the rules. Employers now are able to allow participants to carry over up to $500 in unused funds into the following year.

2). Are you charitable? – The qualified charitable distribution expires at the end of 2013. If you’re at the age where you’re taking required minimum distributions from your retirement accounts, you can still receive a deduction for donations you make directly to qualified charities. Consult a qualified tax adviser to take care of this one. Depending on your household income, you may benefit greatly from implementing this strategy.

3). Clean up. Now is the time to get financially organized.  Consider shredding all financial and tax documents greater than ten years old. The rest of your documents should be organized and placed in binders with tabs.  Make sure to communicate the location of important documents to those who help you make financial decisions or those who would be there if you become temporarily disabled.

4). Rebalance your portfolio. Have you ignored your 401(k) investments? Are you cash heavy? Many investors are.  Meet with an independent financial advisor for a written plan customized for you. Speak to a representative of your employer-provided plan about something called “auto-rebalancing” where investments are bought (low) and sold (high) at least on an annual basis. Work to increase retirement savings by 1% from the first pay you earn in 2014.

5). Review your holiday spending.  At the end of each year, I do a brutal self-assessment to determine how and why I perhaps went over budget and compare my spending to the previous year. For some, this is a wake-up call as you become accountable to yourself for overspending.

It appears American consumers have become smarter about taking on debt during the holidays based on a recent survey by the Certified Financial Planner Board of Standards.

New Survey Reveals American Holiday Traditions: Financially Smart Gifting and Receiving.

6). Write your two-year plan.  AJ Leon, an inspirational character who classifies himself as a “misfit” has figured out how to get the most out of life. His essays in a body of work titled The Life and Times of a Remarkable Misfit, are inspirational and more. If you seek to change your perspective, the free download is a must read.

AJ asks you to become accountable to yourself, your dreams. Write at least 500 words about where you want to be in two years. Once complete, send that gut-wrenching piece of work in an e-mail to someone who will hold you accountable. Now your aspirations are out there. Exposed.

You’re committed.

There’s no going back.

And 2014.

Will be it.

Yours.

The year you waited for your entire life.

brass ring

Go for it.

Command Your Own Drones to Financial Success.

What public relations genius!

Jeff Bezos, the CEO of Amazon, made huge media headlines by suggesting the future of light package delivery may be completed by drones as opposed to the normal, albeit boring methods of delivery we all know now.

amazon drone Um hi!

I wondered.

What the heck is a drone?

funny drone

I know – seems obvious. But is it?

An unmanned aerial vehicle:  The flight is controlled either by computer or remote control of a pilot from a remote location.  Some can fly as high as 50 thousand feet and go supersonic.

Wow.

Got me thinking…

Financial success is automated activity from 50,000 feet above your wallet. Cutting out that extra latte is not going to make you wealthy; placing as many good money habits as possible on auto-pilot is the key to financial stability.

Here are some ideas on how to command your own financial drones to success:

1). Budget on auto-pilot.  When you budget on a daily basis it’s tough to feel the positive. It feels like dieting. Or dating. Or root canal. Keeping track of expenses manually is admirable. However, it’s inevitable you’ll give up because you’re human. You have a busy life. Even if you’re proficient at manual tracking, you won’t be able to effectively interpret your long-term spending habits. Analyzing longer-term spending trends (at a higher altitude) will expose where you need to make real improvement.

Budgeting is boring; many won’t continue for long. Take your analysis to a higher level and place on auto-pilot through www.mint.com. Mint allows you to accomplish three things: See where your money goes, make budgets to stay on track, and set financial goals for the future. Mint connects to your bank accounts and updates automatically. It’s free and safe as Mint utilizes bank-level encrypted security.

Easy-to-read graphs allow you to track spending, income, net worth and account balances over time.  After a couple of months of activity, sit with an objective financial partner. Together, create a game plan to cut the expenses that will make an impact to your bottom line.

Go ahead. Enjoy your fancy coffee. For now.  Mint will track your addiction!

2). Pay yourself first.

Don’t roll your eyes.

eye roll

You’ve heard this one before, right?

The best financial rule (and I’m critical of most financial rules of thumb) is easy to follow and from a higher altitude, or the long-term, will result in a substantial positive impact to your bottom line. Before expenses are paid, before you treat yourself to a movie, it’s important to save money for emergencies and for your future – FIRST.

How?

3). Set savings on auto-flight:  Pay yourself by initiating instructions to move three percent or more into a company retirement account every pay period.  Ask your HR department how to accomplish this simple task. Do the same by establishing instructions to automatically transfer a specific dollar amount, say $25 bucks a month from your checking account into savings.

4). Go stealth on a savings target: Every three months, increase the dollars directed from checking to savings by $10. Select an amount that works for you.  Think under-the radar increases.  Barely noticeable; yet over years, this tiny habit will result in big change (and dollars). You will look forward to saving money because you’ll realize how painless it is!

Forget buying more stuff you don’t need by drone delivery.

Now’s the time to establish your own small army of financial drones.

And fly your own path to financial success.

dont drone me

The Tolle of the Governor: 6 Steps to Rebirth.

“Been on the road a couple of months.”

“By yourself?”

“Yea.”

“Where did you live before that?”

“I was in a town.”

“Were the monsters there?”

“No.”

“It was safe. Full of good people.”

“What happened?”

“He just – lost it.”

“Who?”

“Man in charge.”

“I barely made it out alive.”

Brian Heriot aka “The Governor – Philip Blake.”

governor beard

As you rip from the past, forge a path to the present, there’s a good chance the man in charge will unravel.

Actually, it’s guaranteed.

There will be.

A tumble, a spiral down, to discover who you really are inside.

And burn out what’s haunting your sleep.

Because fire cleanses.

Extinguished fires leave imprints.

Black stains scar foundations.

governor burn three

I’ve learned to fear and respect fire of the mind. 

You won’t notice change; at the surface you’ve built high fences. However, underneath, today’s thoughts are directing steps to a place you must go.

Actions will eventually get you where you need to be.

First you’ll stagger.

Over time, your gait will firm.

Deeper strides begin.

You don’t look back any longer.

Perhaps you’ll change your name to a person who was loved once.

brian heriot

Take on a new identity.

Not an issue. Whatever it takes. You do it.

Because a free mind can’t be shackled.

And ego is loosening the grip.

Yep: To gain a second chance at life you must die first. A piece of you must pass. In the worst case, an organ will be sacrificed. An element of your sanity, or stamina go to black.

You’ll fight until exhaustion.

Thrash.

Until death overtakes you.

You understand (finally).

There’s no other choice.

If you want to survive.

An enriched life dwells in acceptance, not resistance.

“Death is a stripping away of all that is not you. The secret of life is to “die before you die” — and find that there is no death.”
Eckhart Tolle

When my father was in the care of hospice and dying one cancerous internal a minute, I wanted to accelerate the process somehow. I thought of insidious ways to fast-track his departure. There was red behind my eyes. I couldn’t understand why he needed to suffer.

I didn’t want to understand then how we all must suffer.

To climb to higher places.

Grow.

I was mad at dad for leaving. I hated how I held his hand for ten hours and for five of them it felt like gripping flesh ice.

He always did the opposite of what I thought he should.

As the man in charge he drank too much, womanized too much, worked too much.

Holy shit.

As the man in charge you do it, too.

Rain blood on the closest ones.

Splatter some on yourself.

And it never.

Washes off.

The man in charge forced rules you lost interest in a long time ago but still followed; you couldn’t understand why you carried them with you for so many decades.

Maybe the space felt comfortable even though it worked against your spirit.

It’s the clash. A battle. Between past and present. Ongoing.

And in acceptance you admit.

Finally.

You were indeed, the man in charge.

Suckered, duped, stupid, evil, resentful.

All you.

Good or bad. That was you for a time. A system-based creation from endless approval of others and false control – courtesy of ego.

Because you couldn’t control outcomes. You couldn’t accept the rejection, the change, the spin of the earth, until damage was done –

It’s not fight or die.

It’s fight, THEN die.

Your inner self, perhaps who you were as a child, was a pale light in the distance that eventually got snuffed out.

Realize..

You can only lose something that you have, but you cannot lose something that you are.”
Eckhart Tolle

And a new man in charge emerges.

Out of the shatter.

Wakes up reborn.

Carrying new rules.

Stripped of ego.

Steeped in humanity; seeded from insanity.

New choices.

A higher self.

Rebirth.

And so it was for Philip Blake.

And so it can be for you.

Random Thoughts:

1). Be re-vulnerable. Look – I created a word. Crash through the high walls. Allow vulnerability to live again. You’ll need to practice. High fences just don’t fall. You’ll need to consciously drive through them every day. I’ve learned to be open to and aware of those around me. I’m more charitable. I direct my anger toward evil entities. I drop people who suck my energy. I hug my daughter from somewhere beyond my heart.

vulnerable governor

2). Become re-acceptable. Of yourself. Who you were before you lived for the approval of others who held the power, but little substance. Through nurturing your own self-acceptance, you will become accepted by others. At least the “right others.” As Srini Rao writes and teaches in his best selling new book – The Art of Being Unmistakable: A Collection of Essays About Making a Dent in The Universe –

Accolades, awards, recognition and validation may never come. In addition, ironically, when you finally stop giving a shit about them, they seem to come in abundance. Be your own gatekeeper, tastemaker, and connoisseur of what matters. Do not choose yourself so the gatekeepers will choose you.

3). Seek re-energy. Living in the past saps energy. The present creates passion, excitement. It’s full of oxygen. Focus on a present moment. No matter how small. Step into it. You’re not your parents, your co-workers. The past does not define who you are right now at this moment.

“Awareness is the power that is concealed within the present moment. … The ultimate purpose of human existence, which is to say, your purpose, is to bring that power into this world.”
Eckhart Tolle

4). Relish replenishment. Sure, investing is sexy. Financial media touts sexy all the time. Sell Apple, buy Tesla. Nothing sexy happens without the boring act of saving money, replenishing financial coffers. In the new year, increase your savings rate by 1 percent. Haven’t started? That’s the past. This is the present. Begin an auto-savings plan today. Now. Direct at the minimum, 1 percent of your take home pay into a savings account.

5). Cherish those who re-new. Who are the people who renew and revive you? You need more of them. You need to appreciate and fight for those who renew your spirit. Those you love. No matter the disagreements. If I love someone I tell them. Why hold back? Life is too short (especially in a zombie apocalypse).

family

6). Know when to re-unleash hell. It’s inevitable. Sometimes you will need to fight the enemy. You also need to know if you’re the enemy. Focus energies on what’s required to overcome obstacles. Roll a tank over your ego. Occasionally, that’s a challenge for The Governor.

Although he does try.

He’s got some work to do.

Noted.

governor tank

Look up.

A pale light glows brighter.

Dark clouds fade.

Self-redemption is yours for the taking.

Accept the past. You can’t change it.

It’s a prison.

Accept the present. It’s yours to take.

Now.

Step.

“Your outer journey may contain a million steps; your inner journey only has one: the step you are taking right now.”
Eckhart Tolle