18 Miles – How far out will you go to change?

When I talk to her, listen to her, watch her speak, stare into her blue-greens, I wonder how she was as a child. I pay close attention because there’s passion in her words, her thoughts. I don’t want to miss a beat. Yet, all I can think about is her beginning. Her upbringing.

She shines with incredible substance and polish. There’s strength in her words. I wonder what kind of family, household forms this quality of person. A human who shines like this. I bet her house was full of sunlight, fine wood, literature, bone china, warm, comforting aromas and love. And I’m glad. And I’m fortunate to know her. Her impervious sense of self is magnetic. Many see it. When you stand near, her personality generates heat. I bet she glows in the dark. If I told her that she would laugh, probably call me silly.

I’m absolutely sure she glows.

woman glow

Then I think about how incredibly different our paths to here, this moment we meet for an interview, must have been. Light years. I’m certain she never came home from school to find her mother topless and drunk on the lawn or her dad in a hot tub with three females twenty years his junior. I’m sure she never had to fear for her life on the way to high school or practice hours in a mirror to remove a heavy, lower middle class urban accent. Nope, I’m certain of all this. I’m sure her diction was perfect; her voice resonates from deep in her chest, rises up – her words are as dense as diamond. She makes life look easy. I have always labored through it. I believe her road was paved with beauty, mine graveled with ugly. Yet, smooth and rough can collaborate and create.

We know each other, respect each other’s strengths. And when I’m in her presence I wonder: How many miles would I need to venture from my comfort zone to be like her, possess a slice of her self confidence. I’ve figured about 18.

18 miles out.


Can disparate roads eventually merge? 

Random Thoughts:

1). How far out of your comfort zone are you willing to travel today? Take it a mile at a time. Maybe you believe you can’t get past the shit in the road, but the more you trudge, work, push forward, the cleaner and smoother the path will become. As a kid if you would have  told me I would have gotten as far as I have and consult and meet with the diamonds I do today, I would have laughed hard in your face. Will you practice in the mirror of your soul, for hours, to be a better person? To seek knowledge? To bathe in the wisdom of words and actions you see in someone like KC. I call her KC because she brings the sunshine band with her wherever she goes.

2). The farther out I go. The more I discover who I am. When I traveled 18 miles outside of New York City, I felt the dirt fall away. Permanently. When I travel 18 miles outside of a rural Texas town, I hit a patch of land I recall as a crossroad for change. I can pass the road today and remember the thoughts of that day. What changed about me. Where is your crossroad? How far out will you travel, will you go to change something about yourself? Begin 18 miles from point center.

3). It’s never too late. To travel. Build wealth. A business. Age is not a restriction. Picture your finances 18 miles out. Eighteen miles from today. Picture yourself debt free. Don’t look back. Begin the travel now.

4). Find the smooth road and then go open throttle. Analyze people you admire, tell them you admire them. Tell them why. Ask them for guidance to get 18 miles out. You would be surprised what you’ll get when you ask. Never abuse the privilege.

KC’s passions include issues that affect children and the underserved. She’s adventure, knowledge, devotion, cum laude of the school I always wanted to attend – Vanderbilt University. She told me I could teach there someday.

She has connections.

She’s a spark.

An “18 miles out,” destination we should strive for.

What are you waiting for?

Get moving.

And tune in.


Black Monday Memories & More.


Markets will fall again. Live with it.

Black Monday 1987 should remind investors that markets are people, people are irrational and “crashes” are part of the territory, unless you listen to Modern Portfolio Theory loons who believe market derails can only occur every 4,000 years.

Thanks Tom Zizka for the Fox interview.


One of the best interviews regarding the conditions high-frequency traders create:


Random Thought:

Happy Saturday!

The “Don’t Worry about your Money,” Pitch. Please, Please don’t be a Dumbass.

Radio is an obsession for me. Was. Is.

Was: Talk radio in the 70’s Metro New York was somewhat magical. And talk was all AM banded. Like CB radio on major wattage steroids. FM was for pussies who listened to music and didn’t want to learn anything.

And if I wanted music I could tune the razor-tooth dial on my bright-orange RadioShack plastic transistor to WABC 77 AM and listen to them spin “Brandy,” by Looking Glass over and over and over again. And then again.

Allegedly, Brandy was a fine girl. I always pictured Brandy as a Susan Dey with breasts. Susan Dey was all nipple. Nothing wrong with that. Nothing.

What ever happened to tenement walls as billboards?

I loved my CB radio even more. Around noon, summer, 1976 in the high heat of the day, I was always able to raise Donna on channel 21 for sexual favors on the roof of the apartment complex where I lived.

Once she needed to call the fire department because my bare butt and other more sensitive areas (in between) got mired in the slope of roof coated with sloppy, sticky asphalt. Embarrassing.

How those fire people laughed at me. Not funny. Baby Fredo with his pants down.

Afternoon Delight,” by the Starland Vocal Band truly was apropos then. Who was supposed to be the stick and who was the stone in that ditty?  Always confused me.

You know you want to sing it..”Rubbin’ sticks & stones together makes the sparks ignite…” Yep.

I delivered “The Daily News,” every morning at 4:30AM. One of the biggest routes in Brooklyn.

Right there on the handlebars-midpoint. An AM radio designed for bicycles. I would listen to Paul Harvey (he sounded old then god rest his soul), John Gambling (Rambling with Gambling) and just the all-news station WINS beginning at 5AM.

In the 70’s the money talk was about inflation. You think we have inflation now? HA. If I collected $1.25 from a customer on Friday afternoon by Saturday morning itwas worth 90 cents. Radio money talk ain’t what it used to be.

The money radio babble (local to me) today, especially on the weekends has become downright silly. Informercial city. There’s one show in particuliar that shall remain nameless. The “expert,” screams at you. Says (howls):


5 Random Thoughts:

1). If an advisor tells you not to worry about your money – RUN. Some of the most successful, wealthiest people I know worry about money. They’re sensitive to taking on too much debt, how much they save, how they talk to their kids about it, how to budget. A little stress keeps you alert. On your toes. Those who are carefree and don’t stress about money hold more debt, especially credit card debt – the worst kind of debt.

2). If an advisor is using the words “sleep at night,” and “guarantee,” or go collect sea shells – RUN. You better know what you’re paying for the Snuggie. It’s ok if you want to pay for guarantees, most likely through life insurance, if you understand how much it’s going to cost you.

3). Don’t believe financial services television advertising. As soon as you observe the elderly couple holding hands, making warm and fuzzy with their financial advisor and skipping through the bluebonnets, realize your experience is going to be just the opposite. And if there’s sappy music in the background? Even worse. Run again.

Financial services tv ads are so cute.

4). Don’t have sex on a hot roof. Or any roof. Do I need to go further here?

5). Treat financial media in general as entertainment. Unless you’re experienced enough to separate the entertainment from real information you should stick with watching reruns of “The Andy Griffith Show.”

I see this entertainment factor show up more on the national level. Anyway. Take it all in with a skeptical eye. Do your homework.

How will you worry about money today?

C’mon it’s good for you. Like beets. I hated beets as a kid. Still do. Blah.

Beets. Coming up!