O-Dark-Thirty

 Traditional business plans use some combination of these sections. Executive summary. Briefly tell your reader what your company is and why it will be successful. ... Company description. ... Market analysis. ... Organization and management. ... Service or product line. ... Marketing and sales. ... Funding request. ... Financial projections.

Tomorrow morning will begin both a new day and a new year. May God grant you a blessed New Year. I know there are troubles ahead. I know that sometimes life seems hard and confusing. Surround yourself with loved ones. Be vigilant and careful of your spending. Spend money as needed. Spend time lavishly on those dear to you. If at any time you feel you need prayer, leave me a note or send me a message. Not only will I pray, but I'll let Darling know and we will both pray. For in this world, that is what we are called to do: help bear one another's burdens. Thanks for reading.

In my Traveling Grouch blog , I recount our moving adventure from our home in Texas to our new lake home in Michigan, so I won't tell that story here. But there is one thing... This is my personal blog, where I tell stories related to my feelings. 6702 Kevincrest Drive in Pearland We pulled away from Kevincrest for the last time on November 20. Darling drove, so I looked out the passenger window as we pulled away. A lump formed in my throat and tears sprang to my eyes. Memories overwhelmed me. I just finished my kindergarten graduation in Florida and Dad got new orders. I saw my familiar yard disappear. My little brother was a baby and I didn't really know what was going on, but I was sad. Again, we were moving. Snow drifted down as Dad pulled away from our house in Rhode Island. I sat in the back seat and tears started to stream from my eyes. Dad heard me snuffle and growled at me. "Boys don't cry," he said. I covered my face with my scarf as the ...

A year ago, Sagemont pastor Dr. Freeman Tomlin and his wife lost their son. As a parent, I cannot even fathom the pain. In a Sunday sermon last week, Freeman gave the most fabulous two minutes and forty-seven seconds  of preaching I ever heard. So powerful that I had to share it. If you would like to hear the entire sermon, here's a link to the page at Sagemont .

I notice that many of my favorite financial institutions are reducing the cost of trades, some even making trades free for now. Though I love to save money, I wonder - why are they doing this? Just as a guess, I think it is because the markets want more investors, and this is a good way to lure people into owning more stocks. It's no secret that I have a low regard for most Financial Newsletters. They prey on cautious and well-meaning people by warning of the coming financial apocalypse. Buy their Newsletters to avoid the imminent tragedy and collapse of Western civilization just by paying them a small fee. I exaggerate, of course. Or possibly I simplify. Do you see the dichotomy? One group shouts warning, the other implies that now is the time to dive into the market. A crisis is coming, but will it be this month? This year? At some point the disaster pundits will be able to say they warned us. Personally, I think there is never a good time to jump ...

My November 2016 post on  Why I cancelled The Bauman Letter  remains my most popular post, with 45 comments to date. I'm not sure why. I simply expressed my disappointment and reasoning about the Bauman newsletter. To be clear, I think that Ted Bauman and his father Robert Baumann are good businessmen and they have a grip on finances. I just believe they have a better grip on their own finances than that of the country. It does not take a financial genius to know our country is heading for a financial crisis. So, yeah, when they tout a "new" newsletter or fan the flames of crisis to entice someone to subscribe to their latest venture - well, I don't find that appealing.  I think you work hard for your money and you deserve to keep it.  If they can turn $5 into $50,000 for you with their newsletter, then why don't they do it for themselves and then give you what you need to know? We should be looking out for our fellow man. I have to be clear on my...

Almost exactly three years ago I posted about cancelling my subscription to the Bauman Letter . That post receives more comments than the rest of my blog combined. Yesterday an Anonymous reader posted the following: Wow Ted Baumann just released a video " Financial Collapse 2019: Insiders Dire Warning About An Unstoppable Economic Collapse " In fact, the YouTube video is posted by Peter Gunther who then goes on to suggest his Forex system is the answer to the coming crash. Most of the people who post comments on the video are not fooled by the sensationalist rhetoric of the post. Still, as most of you know, I do agree that a financial crisis is coming. What shape it takes, none of us really know. Since Nixon disconnected the US dollar from the national gold stores in 1971, our government has been free to print fiat currency at will. Lately, they've done so, to the tune of about $27 million per day. Every day. * The consequences of such reckless behavior wil...