There’s a lot of talk about Apple releasing the AirPods Pro 2 soon. I had the original AirPods and the current AirPod Pros, but I’ve been using the Beats Fit Pro earbuds for several months now and can say they are absolutely my favorites! Sound is great, fit is great, comfort is great, and features…
Author: Philip
The Gas Price Game
A future that requires little (or no) petroleum means today’s oil companies are going to keep supply capabilities low enough to ensure demand drives higher prices while they can.
LESSON 15: Sinking Funds
In Lesson 14, we discussed thinking through the intentions you have for your money. During this exercise, you might have looked through the list of categories and realized all expenses are not created equal. Your mortgage expense, your groceries expense, your automotive repairs, and your catastrophe categories are not forecasted the same. Some categories represent…
LESSON 14: Let’s Create A Plan
Some people don’t like the word “budget” because it denotes restriction, limitation, or confinement. A better name might be one that implies permission to spend money, like “spend plan”. Make up whatever name helps you take that step towards creating a plan for your money. You could call it FRED (Funds Required for Every Day)…
Mushrooms Are Not Good For Your Dog
It’s been so wet lately that we have a couple different kinds of mushrooms growing in our yard. Be careful, they could make your dog very, very sick. https://www.instagram.com/p/CeIE_rMuEpJ/?igshid=NGJjMDIxMWI=
Commute
I need to go into the office to get a little work done. I might need a bigger basket soon. (at Highland, Illinois) https://www.instagram.com/p/CeHTgukOU01/?igshid=NGJjMDIxMWI=
LESSON 13: The BIG 4 – #4 Clothing+
There are numerous studies on how Americans spend their income as a percentage of their pay. A common claim is that households spend approximately 75% of their income in only 4 areas: Housing, Transportation, Food, and Clothing. The following chart which shows spending by category over the 73-year period of 1941-2014 does show how these…
Dr. John Delony on the Carey Nieuwhof Leadership Podcast
Notes: I listen to a podcast or watch a TED Talk and call myself an expert. If you don’t look back, the shadow won’t catch you. I found myself out on an island and instead of swimming back to shore and saying “Whoa, I found myself all by myself out there” I just said…
LESSON 12: The BIG 4 – #3 Food
There are numerous studies on how Americans spend their income as a percentage of their pay. A common claim is that households spend approximately 75% of their income in only 4 areas: Housing, Transportation, Food, and Clothing. The following chart which shows spending by category over the 73-year period of 1941-2014 does show how these…
LESSON 11: The BIG 4 – #2 Transportation
There are numerous studies on how Americans spend their income as a percentage of their pay. A common claim is that households spend approximately 75% of their income in only 4 areas: Housing, Transportation, Food, and Clothing. The following chart which shows spending by category over the 73-year period of 1941-2014 does show how these…







