Today, turtle time wants to share with you an email I got the other day.   It has been around a while because it felt familiar but this one hit home because it came from my wife and the timing was appropriate for my life right now.  Here is the story:Recently I overheard a mother and daughter in their last moments together at the airport. They had announced the departure.                 
                                                                           
Standing near the security gate, they hugged and the mother said, “I love you and I wish you enough”   The daughter replied, “Mom, our life together has been more than enough.   Your love is all I ever needed. I wish you enough, too, Mom”.             
                                                                           
They kissed and the daughter left. The mother walked over to the window where I was seated. Standing there I could see she wanted and needed to cry. I tried not to intrude on her privacy but she welcomed me in by asking, “Did you ever say good-bye to someone knowing it would be forever?”.                                                                                                                                            
Yes, I have,” I replied. “Forgive me for asking, but why is this a forever good-bye?”.                                                               
                                                                           
“I am old and she lives so far away. I have challenges ahead and the
reality is - the next trip back will be for my funeral,” she said.        
                                                                           
“When you were saying good-bye, I heard you say, ‘I wish you enough’. May I ask what that means?”.                                                                                                                              
She began to smile. “That’s a wish that has been handed down from other generations. My parents used to say it to everyone”. She paused a moment and looked up as if trying to remember it in detail and she smiled even more. “When we said, ‘I wish you enough’, we were wanting the other person to have a life filled with just enough good things to sustain them”. Then turning toward me, she shared the following as if she were reciting it from memory.                                                  
                                                                           
I wish you enough sun to keep your attitude bright no matter how gray the day may appear.                                                           
                                                                           
I wish you enough rain to appreciate the sun even more.                   
                                                                           
I wish you enough happiness to keep your spirit alive and everlasting.    
                                                                           
I wish you enough pain so that even the smallest of joys in life may
appear bigger.                                                            
                                                                           
I wish you enough gain to satisfy your wanting.                           
                                                                           
I wish you enough loss to appreciate all that you possess.                
                                                                           
I wish you enough hellos to get you through the final good-bye.           
                                                                           
She then began to cry and walked away.                                    
                                                                           
They say it takes a minute to find a special person, an hour to appreciate them, a day to love them but then an entire life to forget them.          
                                                                           
For many people in our listening audience today my wish for you is to have enough money.  Enough money so that you can appreciate life without the stresses of paying bills.  Enough money so that you can think more about others than you do about yourself.  Enough money so that you can become the person you are supposed to become. Of course money isn’t everything but often times it is the lubricant to make the other, perhaps more important things work better.   

The Turtle Time segment this weeks tells a story of “I wish you enough”.  You may have received this from someone in your email.  If not you should listen to it.  If you want an emailed copy of it you can email me at Howard@TheMoneyThing.com

Our guest this week is Anthony Morrison.  Anthony came on the show to discuss his new book Hidden Millionaires.  Anthony is an expert at making money on the internet and shares some ideas with our listeners.  It is a great discussion that shows how a young man from Mississippi can become really successful.  The information on the show, in Anthony’s book and on his websites can help you create wealth or just supplement your income.  The internet is a tool everyone can use and it is the cheapest way in history to start a worldwide business.

You can find out more about Anthony at www.AnthonyMorrison.com.  He also offers one on one coaching at an unbelievably low price of $30.00 per month.  You can’t get quality advice for anywhere near that price.  I don’t think he will be doing it that cheap for long.  If you are interested in one on one coaching with Anthony Morrison, go to www.morrisonbusiness.com. 

 

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Today, turtle time looks at how people who have created a life where they are rewarded financially for their work view taxes.  I got this from a friend of mine over a year ago and since we were talking about social security and taxes today in the news, I thought I would share it with you. 

Suppose that every day, ten men go out for beer and the bill for all ten comes to $100.

If they paid their bill the way we pay our taxes, it would go something like this: The first four men (the poorest) would pay nothing. The fifth would pay $1.  The sixth would pay $3.  The seventh would pay $7.  The eighth would pay $12.  The ninth would pay $18.  The tenth man (the richest) would pay $59.
So, that’s what they decided to do.  The ten men drank in the bar every day and seemed quite happy with the arrangement, until one day, the owner threw them a curve. “Since you are all such good customers,” he said, “I’m going to reduce the cost of your daily beer by $20.”  Drinks for the ten now cost just $80. 

The group still wanted to pay their bill the way we pay our taxes so the first four men were unaffected. They would still drink for free. But what about the other six men - the paying customers?  How could they divide the $20 windfall so that everyone would get his ‘fair share?’  They realized that $20 divided by six is $3.33.  But if they subtracted that from everybody’s share, then the fifth man and the sixth man would each end up being paid to drink his beer.  So, the bar owner suggested that it would be fair to reduce each man’s bill by roughly the same amount, and he proceeded to work out the amounts each should pay.  And so - the fifth man, like the first four, now paid nothing (100% savings).  The sixth now paid $2 instead of $3 (33%savings).  The seventh now pay $5 instead of $7 (28%savings).  The eighth now paid $9 instead of $12 (25% savings).  The ninth now paid $14 instead of $18 (22% savings).  The tenth now paid $49 instead of $59 (16% savings).  Each of the six was better off than before.  And the first four continued to drink for free. 

But once outside the restaurant, the men began to compare their savings.  “I only got a dollar out of the $20,” declared the sixth man.  He pointed to the tenth man, “but he got $10!”  “Yeah, that’s right,” exclaimed the fifth man.  “I only saved a dollar, too.  It’s unfair that he got ten times more than I!” “That’s true!!” shouted the seventh man.  “Why should he get $10 back when I got only two?  The wealthy get all the breaks!”  “Wait a minute,” yelled the first four men in unison.  “We didn’t get anything at all.  That system exploits the poor!”  The nine men surrounded the tenth and beat him up. The next night the tenth man didn’t show up for drinks, so the nine sat down and had beers without him.  But when it came time to pay the bill, they discovered something important.  They didn’t have enough money between all of them for even half of the bill!  And that is how our tax system works.  The people who pay the highest taxes get the most benefit from a tax reduction. Tax them too much, attack them for being wealthy, and they just may not show up anymore. In fact, they might start drinking overseas or not drink at all.

The real estate business is not what it once was and it is not what it will be again. However, we are in a time of opportunity for those who are prepared or who think outside the box.

Our guest this week is Greg Greene, a local guy who buys and sells real estate notes. Greg talks to us about ways that buyers and sellers in today’s market can use notes to put real estate transactions together.

Listen to the show to learn more about how this works and how you can make some extra money by getting involved in this business yourself. If you want to contact Greg, his direct number is 425-280-5363. You can email him at greg.cash4notes@gmail.com. For more information on this new wrinkle in real estate you can visit Greg’s website at www.turnnotesin2cash.com

 

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I really like our guest this week.  For most people, successful dealings with money requires some change in the way we think.  For some it is structural and for some it requires making bettter decisions.  That is why this week be brought in Michael McGrath author of the DecideBetter series.  Michael has spent 25 years understanding and coaching people on how to make better decisions.  This interview will help you understand how he got here and what you can do to have a better outcome in your own decision making process.  He talks about his new book, DecideBetter! for a Better Life. 

I hope you will enjoy the discussion as much as I liked having it.  For more information on Michael and his work at DecideBetter, go to www.DecideBetter.com

 

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Today Turtle Time takes a look at the way you can get out of the box and still take that deliberate approach to reaching your desired outcome.We have all heard the old story of the semi who tried to go under a bridge that was too low.  The truck got stuck.  The experts all came out to try to figure out how to fix the mess and free the truck.   The experts looked at and discussed many options yet they still could not agree on a solution.  A little boy was walking by and said, hey, Why don’t you just let the air out of the tires and pull it out.   

Here is a modern twist on that old story and by the way this is true.At a local fair over the weekend a little boy about 4 years old got seperated from his parents.  Two County Sheriffs found the little boy and they were trying to figure out how to reunite the scared young boy with his parents.  They asked him his parents names and what they looked like, who his grandparents were and what they looked like.  Where he lived, what kind of car they came in and a host of other questions.  A local fire explorer came by and bent down and quietly asked the boy if he knew either of his parents cell phone numbers.  The lost boy said sure, and rattled off the number.  The explorer called the number with his cell phone and the lost boy and his parents were reunited in less than 3 minutes. 

The moral of the story is that even though the turtle continues at a steady pace, it still makes sense to look at new things that can make our journey easier and faster.  Again, the turtle makes consistant progress but if he could make consistant progress on an already moving sidewalk.  So much the better.  If he waited for the sidewalk to be built before he started.  He loses.  So the advice of the turtle is to keep moving and keep watching for new developments.