Book Review: Three Moves Ahead by Bob Rice

3movesahead
TheBreakaway
Zy Marquiez
February 6, 2017

Three Moves Ahead by Bob Rice is a solid synthesis regarding the seemingly disparate aspects of business and chess.

Rice reveals many core aspects of Chess theory and gameplay that can and do apply to business in everyday life.

Weaving the reader into myriad historical business ventures – both successes and failures – the author illustrates what made these particular businesses succeed or fail, and goes to underscore the essential Chess tactics that were involved in those scenarios.  Furthermore, Rice journeys beyond that to show the reader how even more can be gained from further introspection if one carries out that additional mental weightlifting.

The analogies Rice employed in the book to compare the subjects are rather adequate.  Admittedly, some are much stronger than others.  Still, Rice gives the reader ample information to chew on regarding the similarities between chess and business.

A noteworthy point is that, even if the reader isn’t an avid player at all or knows nothing of the game of chess, the author explains himself rather well and is easy to follow as he seamlessly flows from topic to topic within the book.

Three Moves Ahead is definitely something to ponder for business-oriented individuals who are seeking ways to grow.  But even beyond that, the principles of the book can be applied to other aspects of life depending on how creative the individual uses what Rice delineates in the book.

If you’re looking for an additional book along the same lines, but with more Chess flavor to it, go on to read Garry Kasparov’s How Life Imitates Chess: Making The Right Movies, From the Board To The Boardroom.  It’s kind of similar to this book, but from the opposite side of the spectrum.  For me it was more enjoyable than this one, although because am coming at it from a chess perspective than a business point of view.  Still, both complement each other rather well if you’re looking to see ‘two sides of the same coin’.

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Book Review: Web Of Debt, By Ellen Brown

webofdebt
BreakawayConsciousness
By: Zy Marquiez
January 11, 2016

“The real truth of the matter is that a financial element in the large centers has owned the government since the days of Andrew Jackson.”
– Franklin D. Roosevelt

Ellen Hodgson Brown, J.D., is author of the recently published Public Banking Solution, but also the incisive and well documented The Web Of Debt – The Shocking Truth About Our Money System And How We Can Break Free. Her latter work is what will be covered lightly here.

For most of the modern world, money has been a staple of everyday life. A great deal of our daily functions revolve around this much used, but poorly understood economic tool.

In recent years, the monetary system has grown to untold levels. With the dollar losing value year after year, student loan debts reaching preposterous levels, and debt itself growing unabated in many different sectors of finance, it’s no wonder that the ‘too-big-too-fail’ economic system has its issues.

This is not to say a collapse is imminent as many alternative media pundits espouse.  In fact, am more of the mind that what we are in fact in is what has been called a ‘controlled descent” by former Assistant Secretary of Housing and Urban Development, Catherine Austin Fitts.

Getting back on track, many of the above issues stem from our inherent corrupt monetary system. However, what this book does not cover is how the black-budget has been leeching money from the public sector, and transferring by the trillions [according to Ms. Fitts] to the black sector.

The modern birth of this [public] financial control grid is covered in extensive and mind-blowing detail in Brown’s Web Of Debt book.  [Note: For a deeper analysis into the covert side of the off-the-books financial control grid, please take a gander at Joseph P. Farrell’s Covert Wars And Breakaway Civilizations – The Secret Space Program, Celestial Psyops and Hidden Conflicts.]

Pulling no punches, this historic piece has got gall. Not afraid to name names, and branching through centuries of historical data, Brown’s work showcases what the financial, political, and elite minds of these times were pondering.

This particular piece also offers data/ideas on some of the vital issues we face and how we might overcome said issues.

From the inception to the private, and heinous Federal Reserve, up to current times, the reader will get ample evidence of the financial mishaps/crimes that are taking place. This is important, because much of the populace is unaware of these dealings.

If you wish to know the truth about our financial monetary system, the truth about its wide-ranging and sinister history, and ways in which to enrich your knowledge on this esoteric subject, then this book is definitely for you.

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Other Suggested Reading

Covert Wars And Breakaway Civilizations – The Secret Space Program, Celestial Psyops and Hidden Conflicts by Joseph P. Farrell Ph.D
The Secrets Of Federal Reserve by Eustance Mullins

Financial Flagship – Managing Financial Oversights [Part 2]

MoneyMaze
By: Zy Marquiez
January 27, 2016

“Recreational shopping is the shortest point between two points: you and broke”
– Victoria Moran

This is being written in order to help some friends out showing some of my person mishaps that have taken place, as well as hopefully aid anybody else with any ideas that might help them in any way/shape/form.

In Financial Flagship – Managing Oversights [Part-1], we covered some of the more basic financial oversights that yours truly was partaking in. From there in we analyzed how much was the total amount spent wasted due to such actions.

Now, we’re going to cover some additional mistakes that were zapping much of our financial latitude away at the outset.

Please keep in mind, these are conservative estimates for most of these.

Gym Membership @ LA Fitness:

Weekly: $50 [two people]
Monthly: $200
Yearly: $2400

Fast Food:

Weekly: $75
Monthly: $300
Yearly: $3600

Clothing:

Weekly: $20
Monthly: $80
Yearly: $960

Total from all financial oversights:

Weekly:$145
Monthly: $580
Yearly: $6960

Again, very similar to last time, if that last number isn’t disturbing, [SN] nothing will be.

Am showing you all this in hopes that you can all learn from my lapses in judgment.

Its easy to show one’s track record when its ahead of the stampede, running sky high, with nothing to cast shadows on your endeavors.

It takes guts however, to carry out some in depth insights into what kind of mistakes one is doing daily. With that said, what you ultimately do with this information is up to you. This is just shown in hopes to help people realize what kind of financial leaks they might undertaking that is blowing a hole into their savings/retirement funds at an enormous rate.

Do you carry out any similar things that you realize could be done better, or avoided? What have you learned from it? Hope that regardless of what’s taking place in each of our daily lives, a move forward is in the process or already being undertaken.

Ultimately, be it to spend, or to save, the choice is y/ours.

Retail Rapture – American Estimated To Spend Over $700 Billion Dollars On Largest 5 Holidays In 2015

Shopping

By: Zy Marquiez
January 15, 2016

“Recreational shopping is the shortest distance between two points: You and Broke.”
– Victoria Moran

The new year has begun in earnest. Goals have been set by individuals. The sun is rising on a ‘new beginning’.

With that in mind, where we travel on our way forward into the future has everything to do with where we’ve been.

Let’s see where we were financially – as a nation – in the year 2015.

What follows is an amalgamation of the biggest holidays in the American landscape, and what the establishment estimated the nation would spend as a whole during those days:

Fourth Of July

The establishment had expected $6 Billion dollars spent for this holiday

Labor Day

It was estimated that $13.5 Billion would be spent on labor day what.

Halloween

Americans planned on spending $7.4 Billion on Halloween alone. P.S. That includes $350 million dollars for pet Costumes. You read that correct.  

Thanksgiving

During Thanksgiving, which is off course now notoriously coupled with Black Friday, and Cyber Monday, Americans were estimated to spend $80 Billion.

Christmas

At the top of the proverbial pyramid of consumerism, Americans were expected to spend $600 Billion dollars.

The total estimated Americans would be spent just on those 5 Holidays was $706.9 Billion dollars. That’s nigh 3 quarters of a Trillion dollars. That’s a lot of freaking money paper!

Some will instantly say, but those are estimates and they would be right. But estimates have precedents, and while the number could be lower, it could also be higher. Especially since it doesn’t seem like Retail Rapture is ending any time soon.

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One of the main tenets of this blog is empowering the individual. In order to forge ahead, individuals, which are the foundation of society, need to be cognizant of what they do if they want to move forward – breakawaybeyond the current system that taxes every aspect of y/our life.

With that said, in order for the nation to spend nearly 3/4 a Trillion Dollars, it takes a lot of individuals to carry that out.

Ponder this: what would happen if the entire country saved just 10% of that money? That seems quite reasonable. That would be a savings of $70 Billion in one year, as a nation.

And people are saying that the economy is going to collapse? Are you kidding me!

In any case, narrowing down this to the local, individual level, what would saving just 10% of your Holiday expenditures help you accomplish? Ruminate on that a bit. In fact, take your time and think long and hard how much saving just 10% of your Holiday money can help you building your future. There is a lot that can be accomplished given how much money was estimated to be spent.

Being cognizant of the above, where do we head too financially, as individuals, from here?

That, my friends, only you know can know.

Because the choice, is ultimately yours.

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Sources & References:
http://www.denverpost.com/business/ci_28424038/americans-expected-spend-more-fourth-july-food-festivities
http://www.latimes.com/business/la-fi-labor-day-travelers-to-spend-13-5-billion-up-2-from-last-year-20150901-story.html
http://www.theatlantic.com/business/archive/2014/10/wait-americans-spend-how-much-on-halloween/381631/
http://www.cbsnews.com/news/analyst-black-friday-cyber-monday-shoppers-will-spend-80-billion/
https://nrf.com/news/the-long-and-short-of-americas-consumer-holidays
Retail Rapture – Black Friday
The Individual – The Foundation Of Society
What Does It Mean To ‘Breakaway’?

Retail Rapture – Christmas Shopping

“Recreational shopping is the shortest distance between two points: You and Broke.”
– Victoria Moran

—————-
By: Zy Marquiez
December 28, 2015

Approaching the bottom of the 9th of the year, the Holidays are winding down.

People are snazzy, have a pep in their step, and are spending dollars ubiquitously like their lives depend on it.

Its that last fact that is often quite overlooked.

The holidays are used by the establishment in a myriad of ways. Most duplicitous among the underhanded reasons lies the profit motive. This is the least analyzed, and often most harmful of all notions parroted during the holiday season to individuals & families.

Why is such the case? Because many folks will go all-in during holiday shopping, and some do it without even having the funds to do so [i.e. credit cards, loans, borrowed money, etc.]

If the holidays truly are about quantity shopping quality time, as many people are quick to expound, then the material component to the holidays isn’t needed to carry out such.

For something to have meaning, the time/experience/memory had should be exceptional to the individual. This, and this alone, should be what is related as a message. However, we know the establishment and deceitful media does not ever come close to that idea without touching the material realm.

This isn’t to say that a gift, something tangible, cannot have meaning. Far from it.

Meaning, most of the time, comes from the eyes of the beholder in a sense. Overlooked many times though, is the fact that meaning many times comes from how others see things, which just so happen to be material a lot [most?] of the time.

For instance, an object by itself is just an object. But we have all seen the power that any material object can have – no matter what it is – over people when others besides themselves crave it.

If an object isn’t lusted for by thousands, people usually don’t give it a second look. However, the second ‘everyone’ wants something, then its en vogue, in style, the new fad.

Some examples of this are phones, games, toys, purposes, clothing, brands [which comes from the word branding, which has a nefarious history, but that’s another story] so on and so forth.

At its most basic premise, what we are talking about here is the overwhelming urge to shop, for the sake of shopping. It is recreational shopping at its finest.

And if that is what is carried out, rather than the search of something meaningful for the happiness of other, then its void of substance.

Why is this? Because shopping can be done at any moment in the year, any time, any place, any locale, and the only reason most people shop during the holidays is because the corporate conglomerates and media have helped socially engineer retail rapture to unheard of levels.

The amount spent during the holidays is ludicrous. It’s the type of resources used that could literally change entire families/communities/regions, but are used to shop for things that most people aren’t in need of.

Sure, it’s called meaningful, but why should something material that’s purchased during a time that you’re ingratiated to spend money on, have any more meaning than any other time that you are taught to spend money on?

Here are some memes expounded by the establishment/media and how much money was expected to be spent for each particular holiday:

– If its 4th of July, you’re a patriot. Of course, with the establishment expecting $6 Billion for this holiday, why wouldn’t they carry out propaganda. True Translation: spend money to ‘support’ your country corporations.

– If you spend money on Labor Day, you’ve earned it due to hard work. Then again, with the establishment having expected $13.5 Billion to be spent on labor day what wouldn’t they say? True Translation: you’ve earned the right to line corporate pockets to the hilt.

– If its during Halloween, then it’s a celebration and whathaveyou. And this has become an enormous time of the year for money spent compared to what it used to be decades ago. If you’re skeptical it was estimated Americans planned on spending $7.4 Billion on Halloween alone. True Translation: spend money because that’s what celebrations are for. P.S. That includes 350 million dollars for pet Costumes. You read that correct.  

– Thanksgiving? One needs to be thankful of course! Coupled to this is Black Friday, in which people spent in 2014 $89 Billion in online sales alone. True Translation: spend even more money.

– Finally, Christmas. The reason for all bliss to exist. The propaganda is extremely high, especially given the fact that Americans are expected to spend $600 Billion dollars. True Translation: quantity/objects are where meanings are at, thus, spend money.

In none of the examples above is the press ever even dabbling into just spending quality time with people, without lining the pockets of the corporate cartels. The mere thought is sacrilegious. Such is an act of suicide for presstitutes to engage in such abhorrent behaviour. How dare they?

This is why it rests solely on the individual – the foundation of society – to be prudent, incisive, and rather discriminatory in the way that any money is spent, especially during the holiday season. Coupled with that is the fact that the very loot money that’s gathered by the corporate crooks is the profits used to throw the populace under the bus at every given turn.

That laughing sound behind the curtains is irony by way.

However, complaining about corporations that ‘run the show’ and giving them dollars day in and out, every holiday in and out, having that money used against you, is shooting yourself in the foot is shooting yourself in both feet and blaming the weapon for you shooting yourself.

Spend money? Sure. We just be wise about it.

Just remember, quality is quality.   Quantity is quantity. Some people use them interchangeably, – unknowingly [more gifts = more love] – but they are not.

In reality: quality = love / more quality = more love.

Now there’s a choice you won’t hear the current paradigm expound upon any time soon.

Be prudent.

Have fun.

Enjoy your time with those you love. That’s what life is really about.

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Sources:

https://thebreakaway.wordpress.com/2015/11/30/mainstream-media-manipulation-propaganda/
http://www.denverpost.com/business/ci_28424038/americans-expected-spend-more-fourth-july-food-festivities
http://www.latimes.com/business/la-fi-labor-day-travelers-to-spend-13-5-billion-up-2-from-last-year-20150901-story.html
http://www.theatlantic.com/business/archive/2014/10/wait-americans-spend-how-much-on-halloween/381631/
http://techcrunch.com/2014/12/01/u-s-thanksgiving-black-friday-sales-break-1b-total-holiday-spend-online-will-be-89b/
https://nrf.com/news/the-long-and-short-of-americas-consumer-holidays
https://thebreakaway.wordpress.com/2015/11/20/the-individual-the-foundation-of-society/

America 2020 – What Will The Landscape Look Like?

By: Zy Marquiez
December 18, 2015

We are going to put imagination to a test.   You are each encouraged to do this on your own.

Put pen to paper, and imagine the world as it will be during the year 2020.

Let’s begin.

Monsanto‘s stock will be completely eviscerated as more information comes forth regarding their full range of cancerous products and genetically modified food garbage.

Cyber false flags will increase at a monumental rate. Said events will be used by the mainstream media presstitutes and the comptrollers to push further for a digital currency. Most people will be skeptical given the banking /financial establishment’s unstable records.

The powers that shouldn’t be will keep pushing the Vaccine agenda, but they will stir a hornet’s nest as millions of parents, specifically women, will draw the line at forceful vaccinations [such as SB277] which will also merge into a greater agenda, that being forceful medical procedures. Lines will be drawn. The parents will make sure there is hell to pay if anyone touches their children.

People will figure how to breakaway from fluorideFluoridation information will go widespread, as information will reach critical mass as countless more towns will continue to clamor for the removal of fluoridation such as this, and this, and this, and this, oh and this. Untold numbers of folks will begin to realize the benefits of real, clean water, and will purchase, and create their own filters as time goes by.

Aspartame will be seen as equal to diseases by a sizeable portion of the population and outright bans will be requested, which storm all the way up to congress as more and more people continue to file thousands of adverse side effects from the consumption of such products poisons.

The mainstream media will no longer be seen by the majority of the populace as the most trusted news source. Their numbers will continue to plummet, which will force buy-outs, mergers and outright shutdowns of entire news stations. More independent journalists will detach from the system and they will be coming out in droves. They will smell blood, and the sharks will circle, for the first REAL time in quite a while.

More cancer cures will be found, and an exponential number of people will find out the truth about the causes/cures for cancer and how Big Pharma/Big Medica and the comptrollers are responsible for the suppression of many [most?] of the cures.   An increasing number of people will also begin to seek alternative remedies for their diseases, and even more will learn how to combat diseases in more ways than most can imagine.

Organic, non-genetically modified, gluten free, locally grown fresh foods, will grow exponentially to the tune of tens of billions of dollars, with an outside shot at overtaking 100 billion as more corporations position themselves for the global change. This will propel a tidal wave of companies into a bottleneck for decent portions of the market share. New faces will rise, old ones will fall, but folks still remain weary given the previous behavior of corporations in years past.

Tangible assets will grow in people’s portfolios, and those said assets will become more readily known by the ‘average’ investor. People will take the reins of their financial flagship and steer it where it makes most sense for them, and not the corporations.   Savings rate will be the highest its been in decades. Banks won’t be as trusted as before, even though they will continue to clamor for a digital currencies.

Average health in the United States, and in many western nations, will begin to shift due to the unprecedented change of people shifting to real foods. More people will quit smoking and drinking due to the deleterious effects those vices cause on their health.

Homegrown foods will increase at an extremely rapid rate, and people will begin saving bucket loads of money due to this transition. Their health will also benefit greatly from such an endeavor.

Tyrannical government players will continue to play the ‘gun-control’ cards after real shootings coupled with false-flag operations. However, they will realize that similar to the Vaccine Agenda, the Gun-Control card will only be worse for them and will serve to wake people up as its continuing to do.

The controlled descent of the economy will have begin to shift into a holding pattern, as 3D printing, coupled with local/online small businesses which are infused with cash via crowdfunding programs that will continue to take the entire globe by storm as individuals stampede into taking their power back. Manufacturing within the United States will begin to look better than it has in over a decade. Small business will be a boon to the economy, especially local ones.

The fracture that is taking place behind the scenes between different warring factions of the globalist empires – some of them no doubt breakaways – will amplify in breath and scope. Mysterious murders and deaths will litter the American/European/global landscape as hidden players keep vying for power in this global game of chess. Who will win? That’s up to you to decide.

New whistleblowers will emerge within the Cancer, Vaccine, Health, Biotech, Financial and Intelligence structures. Data dumps will be the name of the game, and this will cause chaos behind the scenes.

Lockheed Martin’s stock will continue to grow due to their unprecedented technological innovation directly tied to the Breakaway Structure and powerplayers. Many space related corporations/assets will grow, many of them privately, and a select few will hold more power than people imagine. Space Ports will begin to grow en mass within the BRICS Nations. Space Tourism will be the talk of the day, but false flags will morph on the horizon beyond our atmosphere in the form of ‘accidents’.   Some battle lines will be drawn in the sand in space between the Breakaways and newer players.

But more importantly, you will realize how to play their game, which is by removing yourself from the board completely thus not allowing your time/money/energy to be tapped by such a noxious system.

The question isn’t why would those events take place? The question is why not? Some strong currents of change are already being felt.

The power will ultimately lie in the individual. Will the individual choose to continue the toxic life, or will they realize that there are other doors, other options to be able to live a better, happier, more product life for themselves? Time will tell.

All of this will ensue with billions of choices. You can either help your freedom, or help your slavery. In the end, everyone helps polish one side of the coin or the other.

—————————————–

On the pillars of tomorrow, Orwell and Huxley will be sitting. While relaxing on rocking chairs, volleying back and forth in a heated game of chess, they eventually note the change in the currents of humanity. Each will gaze at each other, nod, smirk, realizing that for the first time in modern times the tsunami of chaos that was heading in our direction, was redirected right at the powers that shouldn’t be.

Then Orwell proceeds to tell Huxley, “Guess Tesla was right?”

“Regarding what?” Huxley counters.

“Last week at our roundtable discussions remember he said ‘Every living being is an engine geared to the wheelwork of the universe. Though seemingly affected only by its immediate surroundings, the sphere of influence extends to infinite distance.’

“Guess humanity is figuring it out after all…” finalizes Huxley.

Orwell nods in appreciation as they fade away into the memories of the Universe.

The end? Or the beginning?

Financial Flagship – Managing Financial Oversights

MoneyMaze

“May your choices reflect your hopes, and not your fears.”
– Nelson Mandela

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By: Zy Marquiez
December 9, 2015

My mind is racing, the gears are turning, and there’s just no way am not going to end up writing, so might as well make myself useful/productive, right?

Continuing in the in depth examination that initiated in attempting to figure out what is the best use of one’s time, we will now steer this introspection from time use, to finance.

In any case, was thinking about a myriad ideas when a few of them struck me. The first of these being the issue of financial independence.

Ultimate financial freedom is essentially the capability – at least how it was taught to me – to be able to live completely free via your financial assets et al. Some schools of thought tend to think of this as retirement, and they would be right in a way. There are a lot of directions this notion can head into, but let’s just stick for that one for the time being.

Although it might seem insurmountable at first, like losing 25 lbs, overtaking a fear, or even talking to a certain someone, it all great events/adventures in life begin with a choice. Without said choice, one cannot conquer any goals, yet alone overcome any obstacles.

Seems obvious doesn’t it? So why is it that so many people run about the mill without even trying? There are a myriad reasons for that, but the point is that for every nine people with excuses, there’s someone out there pouring their heart/mind/soul into a specific goal, no matter how large or small. Those individuals should be lauded, because they are the exception, not the rule.

Getting back to harpooning the main goal, we need to start with baby steps. If we bolt from the starting line without a semblance of where we want to go, then we’re steering without a rudder, adrift on the sea of uncertainty that at times can be life. We certainly wouldn’t want to go towards our destination unprepared for that would be extremely unwise and counterproductive. Where does that leave us?

We need to set our course, of course. Now, for simplicity’s sake [there really should be some sort of rule for making things as simple as possible], let’s combine the ultimate idea/goal of financial freedom, with smaller more tangible scenarios we can attain. In this way we can keep in mind the entire breath of goals – the short term financial goals more readily attainable, with more long term goals that build upon those.

So we can’t retire immediately?   Well why not start saving bucket loads of money in the meantime in order to attain that, and/or other goals, whatever those may be.

Now, keep in mind, since most people won’t attain financial freedom quickly, they will give up outright. Just like they do with many other goals. That’s definitely not the way to go if you want to breakaway from the conventional monotonous funk that can be a daily routine.

Yes, it can be daunting. But aren’t most things that are worth it a little bit of work, at minimum?   What about retirement? Isn’t that a goal to strive for? That’s not something that just happens. Like your health, it is something that we must work on daily to achieve the desired results.

In any case, let’s begin.

Am going to cite three examples of things that were taking place in my life that were draining my financial capabilities/savings quite a bit by untold magnitudes.

The first example of these is coffee. Was given coffee since the nascent age of 5 years old, and was instantly hooked. It became my go to drink for everything. Need a pick-me-up? Coffee. Stressed? Coffee. Want something you like? Coffee. Simple, and efficient. And downright expensive in the long run. Let me repeat that again: It, is, downright, EXPENSIVE, in the long run. Experience is the best teacher you know.

My favorite place to financial fund and donate part of my retirement to at the time was Barnes & Noble. Furthermore, to be exact, it wasn’t just coffee; it was that, and in fact caramel macchiato. Loaded with sugar & caramel [extra caramel shots cost, yes, more money!]. My blood sugar levels are going up just at the mere thought of such flavorsome drink.

How much did these cost? Anywhere between $4-6 dollars between coffee & tips.   To make things simple – law of simplicity here – let’s round that up to $5. Easy, two a day, for a minimum of 5 times a week. This is really low-balling it, because many times a whole day could be spent researching things from sunrise to sunset, in which case the amount of coffee gone through just got out of control. Think crack addict, but with coffee. Hey, we’re being honest here right?

What other financial wrongdoing was yours truly partaking in?   Television – not that much was watched. Then again, regardless of whether it was or not, it was paid for, so it was financial ineptitude in all its glory. That’s like slipping on soap and meeting the floor face to face like it was your lover and having the dinner that just took you half a day to make scattered all over the floor whilst the plate smashes into a million pieces, just like your ego. Yeah, don’t do that.  

How much was the loss? If my recollection is correct, it was around $80. Many people pay more than this too.

Finally, what other horrendous choice was yours truly making that was utterly draining my savings? Drinking/Pool/Restaurants. And no, sadly, this does not count regular fast food runs. That might be on another piece.

Every weekend. Sometimes Friday, Saturday, and Sunday. Talk about overdoing it huh?

How much did this vice cost on average? Easy, $100 a weekend [yes, not even a week!], and many times, more than that. Talk about a waste of money/resources/time.

Now for the fun part. Let’s tally it up, on a week by week, month by month, and yearly basis for each of those downright ridiculous habits. Am not saying don’t ever go out, drink a cup of coffee, or watch a movie. But everything in moderation.

First, coffee. Two cups a day, five times a week [at minimum], at $5 each, is $50 a week. That’s $200 a month, and $2400 a year. Oh man, my heart just sinks knowing that. Not joking.

Secondly, cable TV cost $80 a month [$20 weekly], and $960 a year. And most of the time the TV went unwatched! Talk about a double whammy.

Third, we have going out on weekends. This cost a preposterous $100 a weekend, which adds up to $400 a month, and worse, $4800 year.

Now we have:

Coffee/Caramel Macchiato:

Weekly: $50
Monthly: $200
Yearly: $2400

Cable TV:

Weekly: $20
Monthly: $80
Yearly: $960

Going out:

Weekly Weekend[ly]: $100
Monthly: $400
Yearly: $4800

Total from all financial oversights:

Weekly: $170
Monthly: $680
Yearly: $8160

How about them apples?

Now, if that last particular number isn’t a huge red flag, nothing will ever be.

That is not smoke signals ascending on the horizon. That’s an F10 financial vortex/conflagration dematerializing all your savings in your personal treasure chest.

This is just a snippet of the financial failure in my personal life, in hopes that it may better aid you in reaching your goals.

Instead of financially eviscerating your savings, why not spend time with folks that lift you up?

There is always room for improving your financial latitude. The first step is realizing what are the holes in your financial flagship, and repairing those, one at a time. Without a decent ship to steer into your horizons/dreams you’ll just be stuck at the pier without functioning vessel.

Now that you’ve seen my personal example, what are some of the vices you engage in that would be able to increase the financial flexibility of you and yours?

We must realize, that each dollar federal reserve note is like a seed. It will only sprout when planted. The more seeds you plant, the greater your bounty will be in your future, and that of your family’s.

Are you seeing the financial possibilities pop-up in your mind? Are the gears turning attempting to figure out where you can zap the foes of finance so you can be better prepared for your future? Are you seeing light at the end of the tunnel? Great.

Now, if you haven’t done so, put pen to paper and get moving. Time is money!

Remember, everything is a choice. Even inaction, is a choice. So ruminate a bit, and make the right choice for yourself.

“No matter what the situation, remind yourself, ‘I have a choice’”
– Deepak Chopra