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Should I pay my High Interest rate debt off first?

In my opinion, Before getting out of Debt, you have to ask yourself…How did I get into this debt mess?  We have to STOP the bleeding first! Next, if we haven’t done so yet then we want to set up 2 VERY important pieces in your budget and make them Automatic!  Tithe first 10% of your income to your church.  Next at least 10% of your income needs to Pay YOU for investment purposes.  This is still your money just a different pocket.  Then we need to automate these.  If you get paid through direct deposit and you know exactly what dates you will be paid then automatically set up AUTO BILL PAY for your tithe.  Your church will give you an address.  For investments, you need a separate account for this.  I recommend setting up an Ameritrade Account.  I like Ameritrade because it is also a bank.  They have a routing number and account number so you can give to your Employer for direct deposit for your payroll and say I would like 10% of my net income to go to this Ameritrade Account (give them routing number and account number) and 90% of my net income to go to my personal bank account (and provide your routing number and account number).   You can move money in and out of your Ameritrade account, but it is also ready to BUY stocks, trade options, etc.  If you are looking for a first investment, you may consider an Index fund that has 500 of Top Us Companies like VFINX that since its inception in 1976, it has earned around 11% a year.  Or you may consider brk.b which is Warren Buffett’s Berkshire Hathaway which has averaged even a little better.  Past performance doesn’t guarantee future results but they are invested over many companies and pretty solid track records!   Then, Your goal is to add to these accounts but then look for diversified ways to INVEST your money and get the BEST RATE of RETURN safely.  You want this to be LIFE WORK…. LOOK for Safe Diversified High Interest Rates!  Small percentage increases can mean a HUGE difference in the long term.

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Good Debt Versus Bad Debt

For many years, I thought that ALL Debt was bad!  My linear mindset was Pay your house off early.  Pay all your debts off as soon as possible.  My perspective has changed especially when talking about using your debt to be an asset.  I am not saying that it is bad to pay your house off early or to Get Out of Debt, but if you keep your head down for 30 years and not even consider alternate investment ideas than in my opinion, it will cost you. What do I mean?  Bankers call assets as something you have equity in and has positive value if you were to sell it. Robert Kiyosaki changed the definition of an Asset to the World (including me) when he defined an Asset as being something that MAKES you money.   So, how does this apply to debt?  Here is a recent example of mine:  I borrowed $25,000 recently from a Credit Card that cost 0% interest for 12 months, but had a 3% upfront fee.  So, it cost me $750 for the entire year to borrow this $25,000.  I placed this into another diversified investment strategy in which I have earned 10.4% within the first 4 1/2 months.  It is possible that I will earn over 20% OR $5,000.  Subtract the $750 that it cost me to borrow and I am left with a nice 17% return or $4,250 profit on Discover Card’s money (thank you Discover!).  As Paul Harvey says, “But wait, there is more!”  Now, I have treated that $25,000 like a monthly bill and paid it back $3,750 in the first month and have been and will continue to pay $2,000 a month every month thereafter.  Hence, I will not be charged any more interest because it will be totally paid back in full by end of 12 month including the $750 charge.  This is where it gets interesting…. if this New Investment Instrument continues to perform like it has at roughly 2.3% a month then in 14 years from now then that investment will grow to $1,114,000. and be producing approximately $25,000 a month in income.  Now, we know that past performance doesn’t guarantee future results in any investment.  It could be more or less; however, think about what just happened.  I used Discover’s money for a short amount of time in order to set me up with a possible nice (even if it ends up being $10,000 a month income in 14 years) new income stream!  Here is the question:  Would you consider that Good Debt or Bad Debt?  This is just one example but i consider this Good Debt for me.  I could have just saved that money and started a year later, but It motivated me to take action NOW.  There are many more examples of Good Debt but the goal here is to expand your mind.  How can you use CHEAP MONEY to help you make more?

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There’s a HERO inside of YOU!

Just dropped my daughter off at school, headed to get coffee at Wawa and the song, “Hero” by Mariah Carey comes on.  I instantly thought of my oldest daughter who has been going through some growing up pains and got a tear in my eye.  I googled all the Lyrics and knew I had to send them to her.  If you are going through any junk right now, Read these Lyrics then watch the video because there is a HERO inside of YOU!  Always there but sometimes we forget.

This is what I texted her:

Thought of you when I heard this, this morning….. Read this then listen:)

There’s a hero
If you look inside your heart
You don’t have to be afraid
Of what you are
There’s an answer
If you reach into your soul
And the sorrow that you know
Will melt away

And then a hero comes along
With the strength to carry on
And you cast your fears aside
And you know you can survive
So when you feel like hope is gone
Look inside you and be strong
And you’ll finally see the truth
That a hero lies in you

It’s a long, road
When you face the world alone
No one reaches out a hand
For you to hold
You can find love
If you search within yourself
And the emptiness you felt
Will disappear

And then a hero comes along
With the strength to carry on
And you cast your fears aside
And you know you can survive
So when you feel like hope is gone
Look inside you and be strong
And you’ll finally see the truth
That a hero lies in you

Lord knows
Dreams are hard to follow
But don’t let anyone
Tear them away
Hold on
There will be tomorrow
In time you’ll find the way

And then a hero comes along
With the strength to carry on
And you cast your fears aside
And you know you can survive
So when you feel like hope is gone
Look inside you and be strong
And you’ll finally see the truth
That a hero lies in you
That a hero lies in you
That a hero lies in you

Now, My daughter is a tough cookie.  She can recite back to you the words that Rocky gave to his son about getting back up again, but this was her text back to me:


Obviously this didn’t help my Tear situation, but I know somebody else needs to read those lyrics, listen to this song and be reminded that You have a HERO inside You!  Whatever tough time you are going through, it will pass.  You were designed for Greatness and Greater is HE that is in You than He that is in the world.  Make it a Great Day!  

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12 Short Powerful Stories

Let these short stories IMPACT your day today!

These twelve short stories are all very good stories and make us think twice about the daily happenings in our lives as we deal with others!!

1. Today, I interviewed my grandmother for part of a research paper I’m working on for my Psychology class. When I asked her to define success in her own words, she said;

“Success is when you look back at your life and the memories make you smile.”

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2. Today, I asked my mentor – a very successful business man in his 70s what his top 3 tips are for success. He smiled and said;
“Read something no one else is reading, think something no one else is thinking, and do something no one else is doing.”

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3. Today, after my 72-hour shift at the fire station, a woman ran up to me at the grocery store and gave me a hug. When I tensed up, she realized I didn’t recognize her. She let go with tears of joy in her eyes and the most sincere smile and said;

“On 9-11-2001, you carried me out of the World Trade Center.”

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4. Today, after I watched my dog get run over by a car, I sat on the side of the road holding him and crying. And just before he died; he licked the tears off my face.

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5. Today at 7AM, I woke up feeling ill, but decided I needed the money, so I went into work. At 3PM I got laid off. On my drive home I got a flat tire. When I went into the trunk for the spare, it was flat too.

A man in a BMW pulled over, gave me a ride, we chatted, and then he offered me a job.

I start tomorrow.

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6. Today, as my father, three brothers, and two sisters stood around my mother’s hospital bed, my mother uttered her last coherent words before she died.

She simply said, “I feel so loved right now. We should have gotten together like this more often.”

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7. Today, I kissed my dad on the forehead as he passed away in a small hospital bed. About 5 seconds after he passed,

I realized it was the first time I had given him a kiss since I was a little boy.

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8. Today, in the cutest voice, my 8-year-old daughter asked me to start recycling. I chuckled and asked, “Why?” She replied, “So you can help me save the planet.” I chuckled again and asked, “And why do you want to save the planet?”

Because that’s where I keep all my stuff,” she said.

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9. Today, when I witnessed a 27-year-old breast cancer patient laughing hysterically at her 2-year-old daughter’s antics, I suddenly realized that,

I need to stop complaining about my life and start celebrating it again.

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10. Today, a boy in a wheelchair saw me desperately struggling on crutches with my broken leg and offered to carry my backpack and books for me. He helped me all the way across campus to my class and as he was leaving he said,

“I hope you feel better soon.”

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11. Today, I was feeling down because the results of a biopsy came back malignant. When I got home, I opened an e-mail that said, “Thinking of you today. If you need me, I’m a phone call away.”

It was from a high school friend I hadn’t seen in 10 years.

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12. Today, I was traveling in Kenya and I met a refugee from Zimbabwe. He said he hadn’t eaten anything in over 3 days and looked extremely skinny and unhealthy. Then my friend offered him the rest of the sandwich he was eating.

The first thing the man said was, “We can share it.”

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The best sermons are lived, not preached.

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9 SIGNS you’ll never be Rich

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Should I pay my kids for Chores??

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Ronnie Hill

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Garage that Apple and Google Started in!

6 Incredible Companies That Started in a Garage
If you think you need a corporate office to get your business started, think again. Find out how these multibillion-dollar companies launched in the unlikeliest of places.

June 02, 2014However massive they may seem now, at one time, some of the largest and most successful companies around started in someone’s garage. Sometimes the garage was at the childhood home of the company’s founders. Other times, the entrepreneurs had to rent a garage just to get a little privacy for their ideas to grow.The humble beginnings of the following six multibillion-dollar companies prove that great ideas are still great ideas, no matter where they’re started and developed.


It’s one of the most valuable brands today, so it’s often surprising when people learn that Apple’s first computers were built in a small garage in Cupertino, California.

In 1976, Steve Wozniak created the first Apple computer. He then joined forces with the late Steve Jobs and another partner, Ronald Wayne, to launch Apple Computer Co. from Jobs’ adopted parents’ garage. One of their first big orders was from a local retailer who ordered 50 computers at $500 apiece, which they were able to produce in just 30 days. Although Wayne had already abandoned the business, Jobs and Wozniak successfully reached their goal in just 30 days.

Today, the Silicon Valley home where Jobs grew up is listed as one of the city’s historic properties.

Americans Mourn Passing Of Apple Co-Founder Steve Jobs - Apple's first computers were simply built in a small garage in Cupertino, Calif.
Address: 2066 Crist Drive, Los Altos, California


Just 10 miles from the garage where Apple was started, Stanford graduates Bill Hewlett and Dave Packard launched their own company, Hewlett-Packard Co. (HP), in 1939 with an investment of just $538. In the 12-by-18-foot garage in back of the house they were renting, Hewlett and Packard built their first product: an audio oscillator. One of their first customers was Walt Disney Productions, which bought eight audio oscillators to use for certifying the surround sound systems installed in theaters for the film Fantasia.

The garage was used as a research lab, development workshop and manufacturing facility for nearly a year before the partners outgrew it and moved to roomier quarters nearby. The company was incorporated in 1947 and, 10 years after that, became a public company. Today, Packard’s garage is a private museum and is known as the “birthplace of Silicon Valley.”

HP Restores Garage Where Techology Giant Got Its Start - Bill Hewlett and Dave Packard started their company HP in 1939


Address: 367 Addison Avenue, Palo Alto, California


Four years after being named the youngest vice president of a successful Wall Street investment firm, Jeff Bezos quit his job and moved to Seattle to pursue what he believed to be untapped online retailing opportunities in the book industry. He set up shop in his garage in Bellevue, Washington, and began developing software.

Because he couldn’t have meetings in a garage with a potbellied stove, Bezos held meetings at a nearby Barnes & Noble, where most of Amazon’s first contracts were negotiated. In July 1995, Bezos launched Amazon.com and sold his first book from his garage startup. Two years after that, Bezos issued his IPO. The company is now the world’s largest online retailer.


Jeff Bezos Launches Bezos Center For Innovation In Seattle


Address: 10704 NE 28th Street, Bellevue, Washington


Larry Page and Sergey Brin met at Stanford in the mid-1990s and decided they wanted to start a company together. Two years later, the partners established Google’s headquarters in Susan Wojcicki’s 2,000-foot Menlo Park garage for $1,700 a month. At the time, Wojcicki—who held a senior vice president position at Google until January 2014—was a recent business school graduate and rented out her garage to the Google guys in order to make her mortgage payments.

Within one year, the Google team would outgrow the garage space and move to an office in Palo Alto along with their eight employees.


Larry Page and Sergey Brin met at Stanford in the mid-1990s and decided they wanted to start a company together. Two years later, Google sets up its headquarters in Susan Wojcicki's 2,000-foot Menlo Park garage for $1,700 a month.


Address: 232 Santa Margarita Avenue, Menlo Park, California

The Walt Disney Co.

It’s the highest-grossing media conglomerate in the world, and it all started in the summer of 1923 in a one-car garage that belonged to Walt Disney’s uncle, Robert Disney. At the time, the company was called The Disney Brothers Studio and was located about 45 minutes from today’s Disneyland Park in Anaheim, California. In this small space, the team filmed the Alice Comedies, which would later inspire Disney’s version of Alice in Wonderland.

A few months later, Disney, along with his brother Roy, moved to a bigger lot down the street from their uncle’s house, which is where Disney signed a deal with Universal Studios to distribute the Alice Comedies. And the rest, they say, is animation history.


Walt Disney


Address: 4406 Kingswell Avenue, Los Angeles, California


In 1945, before Mattel became the American toy manufacturing company, company founders Harold “Matt” Matson and Ruth and Elliot Handler were making picture frames out of a Southern California garage. From the scraps of the picture frames, which were made of Lucite and flocked wood, Elliot started making dollhouse furniture. Ruth, who worked at Paramount Pictures, is said to have landed her husband’s first order by bringing a suitcase full of the dollhouse furniture to a store on Wilshire Boulevard not far from her job.

The success of the dollhouse furniture pushed Elliot and Ruth (Matson had left the company due to poor health) to focus solely on manufacturing toys. In 1959, Ruth invented the Barbie doll, named after her daughter, Barbara.


In 1945, before Mattel became the American toy manufacturing company, Ruth and Elliot Handler were making picture fames in their Southern California garage. From


But these uber successful companies aren’t the only ones that started from small garages. Cloud company Box.net, mobile payment company Square and Tesla Motors were all launched from a garage. And garages aren’t the only usual place companies are born. Nike started out of founder Phil Knight’s green Plymouth Valiant’s trunk, and the beginning of Michael Dell’s computer empire came together in his dorm room at the University of Texas at Austin.

The lesson here is that the most amazing ideas have no boundaries. From small, rented garages to multibillion-dollar companies, anyone who’s passionate about an idea can start—and grow—that idea anywhere, as long as they have a little privacy and room to shut out the rest of the world.

Story written by Vivian Giang. Published in AmericanExpress.com


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Automatic Millionaire

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Tribute to Bill Britt & His IMPACT!

Sincere Tribute to Bill Britt –

When I was 14 years old, I came home from summer visit with Mom and Dad sat me down to explain that he started a new business venture.  He showed me the Amway Plan and I got it right away.  I had never heard of any type of business like that.  It made sense.  I sat in on meetings and events and then became obsessed with listening to tapes (yes tapes, i know, i know…a long time ago :))  Well, Dad had to be careful not to give me a Bill Britt, Dave Severn, Jim Mainor, or any real strong speaker right before I went to bed because I had trouble sleeping.  Nowhere had i ever heard of people talking so strongly about Business Ownership, God, Principles, Love of Country, Freedom and Family.  And all were very successful.  Most had quit there jobs and were living a life of Freedom without Bosses and 9 to 5 jobs and were simply building their business.  Going through all the challenges with growing up, I continued to listen to tapes.   They were shaping me as a person.  Then when I was 19 years old, I went to a business seminar that Bill was doing.  I had been to them prior, but for some reason, this event was unique.  The whole weekend they kept talking about the SECRET was going to be shared Sunday.  After many testimonies, there was no way I was going to miss Sunday’s meeting!  You kidding me… the SECRET was going to be revealed.  I really already knew what they were going to be talking about, but Bill Britt was talking right to me.   I don’t remember the exact words but after a long story of how God is the foundation of his life and the Secret was confessing with your mouth and believing in your heart that Jesus died for us on the Cross, I knew it was time to give my life to God.  Along with hundreds and hundreds of other people, Bill Britt delivered the ultimate message to me!  What words could I possibly have to show my appreciation to this man!   I then told others that they have to learn about the Secret and brought others to his Sunday service at future events.   Because they wanted to learn the secret, I saw my friends Keith, Vernon, Vernell, Joe, and Karen all go through the same process within the next couple years from a Bill Britt Sunday morning non-denominational teaching and testimony straight from the Bible.

Bill was so strong in his message that many had trouble with his dominant speech, but there was no question about it, you knew where he stood.  Though I am no longer in the Amway business, Bill will always be remembered and honored by me.   His impact on me is one of the main reasons that I haven’t had a boss in over 20 years, have owned many businesses, and that I give God all the credit and Glory.  From me, my friends, and the thousands of others that you gave the Secret to, Thank you!  You have been one of my greatest Mentors and Heroes.

Bill Britt

Bill and Peggy Britt
Bill Britt: A strong, opinionated leader, at one time his organization may have represented half of all Amway volume.  Through his love of God, Country and Business, he transformed many lives.  If the Scorecard of life is determined by the number of people that are better off because you lived, then Bill Britt aced the test.  Thank you Bill and Peggy!  Bill Britt died on January 23, 2013 in Jacksonsville, Fl to live his life in eternity with the Lord.   He will be greatly missed for positively impacting so many!