What a year (8/25/2007 to the end of September / beginning October 2008) it has been!  What will the next year or so be like?

It has been a year already since the focus of this site's home page was BOLDLY changed.
 (In many ways, hate to say to the unbelieving scoffers of that major initial focus change, I told you so..., but ... more is on the way... and worse...)

Major revisions of this home page have also taken place several times during 2007 - 2008.  Now, the whole site is being tweaked / revised again.  Some pages almost daily.  And many days, multiple times a day.  I'm becoming even more bold and specific in the projections while attempting to update some of the older pages.  (Remember, there are over 450 pages and over 3100 links in this website so it may take some time to do it all.  Have patience with me, please.)

Why?  And what's ahead?

Simple and BLATANTLY ... this home page focus is designed to shock you.  To get your attention.  To get YOU to think and not just accept what you've been told by others.  And even me.  It is to get you to look beyond the visible, common things and project the future.  To stir you to action for YOUR benefit.  And to educate you in the truth, once you've become receptive to it.

The mass media, the leaders at all levels and the professionals have kept that from you.  Many of them don't even know they have done that following the directives from their leaders.

Others have deliberately lied to you and have been deceptive with you telling just the opposite of reality for various reasons.  Possibly for sensationalism, ratings or your money.  And in the best of cases, then again, perhaps so you won't be in despair and panic not thinking you can handle the truth.

You won't find what is here any place else.  I will tell you the truth.  For three reasons - one, because you need to know and two, I believe you can handle it and would want to know rather than be blind-sighted and angry when you do find out.  And three, I don't care about ratings nor what you may think of me and I am not after your money.

So much has been happening this past year, that people now  NEED to STOP, understand what is reality and how bad things really are AND why, acknowledge the past in conjunction with current events AND THINK about their situation AND their future before living it.

Since 9/11, life has changed and will never return to those glorious days of just living life without too many worries.

However, today is different.  Attention-gettingly different.  Tomorrow is the first day of the rest of your life.  How do YOU want to live it for now on?

Most recognize that life has changed even more this past year.  Especially the past few months.  To live life going forward, you will require serious planning now more so than you may ever have done before.

Therefore, this home page is designed to stop you from just  DOING  what everyone else is doing because everyone else is doing whatever they are doing.  That is, stop doing without  THINKING  about what YOU are doing  AND stop doing without  UNDERSTANDING  what YOU'RE doing.

That is NOT said in a derogatory manner, nor disrespectfully.  Just the opposite.  It is said, I believe, justifiably as a fact of living life in a modern fast-paced, hustle-bustle, gallop here and gallop there just to survive way.  Most see today is different than just months ago.

Why?  That is the key.

Others may be very intelligent and sincere in their own way, but what they don't know in other areas, especially, the major earth-shaking 4 trends of the world, they don't know what they don't know.  So, even though they may be brilliant in certain ways, they still don't know what they don't know in other areas.  Those other areas they know little to nothing about may be, in the end, more important and even over shadow the areas they are brilliant in.

Those 4 trends need to be understood and then incorporated into YOUR personal planning.

Again, this is not said in a disrespectful nor derogatory way.  Let me say up front, don't believe me or anyone else, but prove ALL THINGS for yourself.  The "current situation" is that serious.  You can't play games with it.

In other words, what  THEY  think or say or do may not always be  THE BEST  for  YOU.  Bluntly, going forward, most likely, it will NOT be.

  I believe most people WANT to DO what is right, but in all too many cases and situations, they just don't know what "right" is or anything about it.  The masses end up doing what they have been trained to do - follow others.

They follow others in a way which seems right, but leads to mediocrity at best and lack of individual greatness while in the future to major destruction and even death.  Perhaps literally.  I'll explain in a moment while pointing to the financial meltdown of too many following too few recommending the wrong thing to too many others for their gain as an illustration of things to come.

They haven't been taught to  THINK  what's in  THEIR  own AND everyone else's best interests.  You can no longer afford not to think.  Your life and your families life is on the line.

This site is bold.  It will teach you  HOW TO THINK.  You may think you know how to think already and you probably do.  I want to take that thinking to a much higher level.

Times have changed.

So, now it is imperative to get you to think how will whatever doing YOU do concern YOU?  How will whatever OTHERS do concern YOU?  How will all that doing impact YOU?  Now AND in the future?  Especially in all kinds of circumstances ...  good AND bad.  Also, with BALANCE.

This site is to get you  to think  "outside the normal box" of just going with the flow.  Not to take what you or others HAVE BEEN doing as THE WAY to go  in the future.  AND most importantly - to get you to look for  the whys  BEHIND things.  Behind EVERYTHING.

To get YOU to raise questions.  Not just accept what you've been told regardless of who tells you what was told you.  Especially  those seemingly in positions of leadership at all levels or the "scholarly" with letters behind their name like I used to have.

In all too many circumstances, they are the worst not knowing what they don't know but thinking they know everything.  That is ... until they are humbled in some way and knocked down from their unjustified haughtiness, again, as I was.

Prove ALL things.  Your future is at stake.  Since 9/11 everything has changed.  Look at reality.  What WAS is no longer what IS the way to go.

"Change" is a common buzz-word today.  But there is good change AND bad change.  Learn to discern the difference vs. going with "change" for the sake of change.  This site will also teach this skill of discernment.

Solicit hard critical questions and their answers going forward.  For YOUR future!  How can YOU build in flexibility and  stress-free  peace of mind regardless of what happens around you or to you?

Remember, you have to live with the consequences of every one of YOUR decisions.  Why not make them with your eyes more fully open?  Learn to SEE the BIG picture like you have never seen before.  Take control of your future ... as best you can.

The home page was changed to also capture your FULL all-embracing uninterrupted attention!

Why?  Bottom line why is to get YOU to THINK ... and become serious about you and your personal situation.  Talk is cheap.  Yet, the fruits or results of your actions speak AND will speak louder than words!

(Generally, experiences from a former successful professional practice tell me those fruits or results are not positive or as positive as they could be.  And going forward a different set of guidelines [all FREE] will be needed for survival.  More on this shortly.)

Then, YOU can make more intelligent decisions on what is in YOUR best interests!  ... AND how YOU can live life more abundantly with much less stress and worries.  Assuming that is what YOU want.

Not 1 in over 1,224,000

Do you realize not one in over  One  MILLION  Two Hundred and Twenty Four THOUSAND  knows how to THINK?  Really think.  And it is getting worse daily!  This is proved further down.  Keep reading.  Without THINKING one CANNOT live life abundantly.

So, do you realize so few really know how to live life abundantly - how to get it - when and how you enjoy it!

Don't be too sure YOU or those around you or even most "advisers" know!

Here, once for all, is the truth made so plain you will really understand it!
(Regardless of what happens around you!)

Assuming you are willing to listen with an open mind.  Remember one of the goals with this site (this HOME page AND the over 450 pages INSIDE) is to get YOU to THINK.  Abundant life won't come to YOU until you ... THINK.  More on that as we proceed.

30 Days Is All I Asked

Yes, the tag line for my former practice and this website was and is  "6 Months to Living Life More Abundantly While Getting YOUR Finances Rock-Solid.  Guaranteed."

I used to say give yourself 30 days and see where you are at that point.  I knew from experience that if you had put in 30 days following this system, you couldn't help but have made progress.  Tremendous progress.  You couldn't help but SEE progress.

30 days was all it took to a new beginning.  30 days!  The habit would have been formed in 30 days.  It took another 30 days to prove that habit, meaning to ESTABLISH it.  Then, it was an additional 4 proving-that-habit months or a full 6 months with that newly formed habit to really cement that habit in blatant visibly skyrocketing benefits for all to see and truly become part of a person.

30 days to creating or tweaking a NEW YOU.  That's what this site was all about.  You and your future.  Giving a foundation for YOU to proceed from.  To make more informed decisions.  To live life by thinking what you were doing and everyone else was doing.

30 days - that was all it takes to get started.  The subsequent few months to follow through learning to tweak the details.  Hence, "6 months to living life abundantly, while getting your finances rock-solid.  Guaranteed!"

Times Have Changed & The Focus Needs To Be As Well

Before 9 - 11 the former site still inside was valid.  Very valid.  Tremendous endorsements galore.  Most new business to my professional practice was referrals and most of those were unsolicited, meaning my clients referred their relatives, friends, supervisors and acquaintances to me on their own without me asking them to.

That was then.  Today, life is different.  A whole new set of guidelines is needed.  Shortly after 9 - 11 the home page was changed.  A new focus was needed.  The old was out and a new in was in.  There were some "old" things that were the same, but the focus became totally different.

That is until September 15th, 2008.

This NEW homepage has received a major revision, but the main thread of the focus has remained the same.  It is here to warn YOU to take this seriously ... AND ... act.

We are now at a point of NO RETURN.

  As a quick simple example see what our "friends" are now capable of ... and THINK of the possible consequences.

Keep reading for the whys behind that new national AND international shift in focus as well as the whats and the hows and especially the whens.

A side comment quickly - some of the following could  SEEM  to be VERY negative, yet, I choose to separate out the good in it.  And I'll show you how to do likewise.  First the horrendous negatives BEFORE the super positives.

There are lots of great incredible opportunities that are just ahead ... that is ... for those willing to look for the good out of the negatives and SEE positives galore.  And ... prepare for them.

For example, consider this - A Carrot, An Egg and Ground Coffee Beans.

Short-Term reality.

As Wayne Turgeon said, "The fruits of a tree are outward signs of it's inner health."  This could be said about the USA's economic health as well as other areas of the world's health.

So, look at the existing fruits of the times to see the inner health of individual nations (including the USA) and also the health of the world.  AND then, you can easily project what the future will be like.

There are too many signs showing the USA status as a world power is not only in decline, but rapidly hitting the sub-basement of a burnt out shell of the former greats.  Check this out.

Actually, due to the recent meltdown, German Europe has begun to take charge ... AND the power away for their gain.

That does NOT bode well for America, nor the world.  Look at their history for the past two hundred years and think.

More and more people are coming to realize what I've been saying these past two years now on this home page.  The comments ARE unfortunately coming to pass.*

We Are Witnessing World History

The English speaking nations are shifting their influence AND their power to German Europe and it is important to understand why and how before what to do about it.

Again, it is time to stop AND think.

Many are quick to cast blame in several directions for what they are going through.  Yet, in the end, who amongst us have not been thinking of themselves first as in SELFISH being super greedy?  And lusting for personal pleasures?

How many of us have ALWAYS done what is right and not cheated others?  How about ALWAYS telling the truth and being honest in EVERY endeavor?

Remember the last time you did your taxes?!?!  Or the taxes you'll complete shortly?  Or, how about some incidents at work or with relationships with others?  Were you FULLY honest and FULLY truthful?  Or, ...

Did you "shade" the facts a little or even a lot or not provide FULL disclosure due to the potential consequences?

How about obeying all the laws of the land, for example ... in driving?  Do you always use your turn signal or abide by the speed limit?  Has there been any road rage or aggressive behavior on your part?

Breaking one law is just as bad as breaking them all.  What do you think of others when they break the law that affects YOU?

As the saying goes, he who is PERFECT cast the first stone.  Yet, watch the "blame game" being tossed about freely in all directions, except towards our own selves... where it belongs.

ARE YOU PERFECT, Yet?

So, if YOU are not perfect as no one is, why do you expect someone else to be perfect, especially in their relationship with you or those close to you?  If you lie to others, why do you get so bent out of shape upset when someone else lies to you?

If YOU think of yourself selfishly, why do you think others can't do the same?

As the expression goes, "Live like Sodom, die like Sodom."

WE ALL OWN THE TURMOIL THAT IS BEFORE AND AROUND US RIGHT NOW.  We caused it, pure and simple.  Point the finger at yourself as each of should do.

All because of our past conduct.  We just are not perfect.  None of us are.

So, ... stop pointing the finger as when you point a finger at someone else, 3 fingers are pointing back at YOU.

We have become a nation and a company of nations lusting after personal pleasures and greed for personal gain selfishness regardless of how it affects others.

Simply, we have reached the point we have created and alienated so many enemies that hate us for our gutter morals and attitudes that they are now our superiors as another expression states bluntly, "the borrower is subservient to the lender".

Who Are YOU?  Who Am I?

As B.C. Forbes, the founder of the remarkably well respected Forbes Magazine wrote decades ago, "The truth doesn't hurt unless it ought to."  He also said, "What you have outside you counts less than what you have inside you."

Another saying goes like this, "Talk is cheap.  It is results that count."  Also, "Your actions speak louder than words."  This goes for countries as well as individuals.

I have to ask the same questions.

Guess what!  Are YOU or am I a borrower or a lender?  Then you now know whether you are a servant or the boss.  I don't care about your work title.  I'm talking in a figurative living life fuller sense.  Flapping the gums means nothing.  Look at reality.

Isn't it time for a change?  Don't expect others to change until YOU change YOUR attitude AND YOUR actions.  It begins one person at a time, even though imperfectly.

A Giver Or A Taker?

There are two types of people - the givers and the takers.  I'm talking about a way of life.  A borrower is a taker - a gimmie, gimmie, gimmie attitude.  A lender is a giver - how can I help you type attitude.

Which attitude do YOU have?  The gimmies or how can I serve you attitude?  As a way of life.

Simple.  End of story AND end the blame game.

Time To Change

NOW, each of us  (that means YOU and ME and EVERYONE ELSE as well)  needs to take ownership in the process of correcting this mess.  Time to bite the bullet and change.

Time to do unto others as you would like them do to YOU!  And do it with all your might.  Correct your ways and watch others treat you differently.  As you would like to be treated.  It will start slowly but will build momentum to really SHOCK you.

Will others take advantage of you?  Absolutely.  Expect it and do it anyway.  Your attitude and your actions will speak louder than words and will be infectious.

Be a committee of one to ban spreading blame elsewhere.  Promote to others this same ban ... with vim and vigor.  In other words, with enthusiasm and meaningfulness.

Do this for 30 days and literally see your life change in a super alarmingly magic positive magnetic way you really could not believe.  You really can change the world beginning by changing YOUR attitude.

We individually can start a new revolution that can be very contagious - doing what is right ALL the time.  Being honest and keeping our word regardless of the consequences ... ALL THE TIME.  Plus doing some other specific things and SIMPLE and relatively EASY things.

I've begun and it works!  Blows the mind how well it works!  30 days is all it takes to get it started.  And it is FUN.  Really.  Inner beauty smiling laughing FUN.  Peaceful and deep explosively confident joy is an understatement.

Keep reading for more specific ways in our part in the recovery to the "meltdown" as a recovery is coming.  Yet, "that" recovery I'm talking about is not as most think.

Utopia IS coming

Remember, the negatives - the blockbuster, mind-bending, shocking negatives - must come before the positives - the awesome, incredible, unparalleled and almost unbelievable positives.

Are YOU paying attention yet?  More is on the way.  Keep reading.  And ... returning every Sunday.

I can say without a doubt, the mouth-watering delicious utopian times will be unleashed AFTER the heart-wrenching ugliness.  But first, we must go through what's ahead.

Hopefully, YOU will be stirred to action in all this and BEFORE all that follows really happens.  

CUTTING EDGE  ADVANCE  WARNING

As bad as things are, they will get worse.

 EXTREMELY VICIOUS  racial wars AND riots are soon to come throughout our cities and land due to human nature that is building to an explosive point fueled by the political presidential campaigns of 'party over nation'.

(Shouldn't all political campaigns be focused on  "character", not  race  ... or perhaps some of the other major disquieting issues internationally?  And, yet, the most recent one had race as a major undercurrent issue.  So much so, the seeds for racial wars and riots are festering right now ... waiting for the "match".)

THESE ARE NOT NORMAL TIMES.  UNDERSTAND THIS CRITICAL POINT!

  Example - Bye-bye world ...

Expect DEFLATION (prices spiral uncontrollably downward)  so cash will be king as bargains will compete with bargains, just to get some business and/or CASH.  This will happen at all levels of society, industry and employment.  Brace yourself.  The roller coaster is about to roll.

As bad as the news is these days, I don't want to dwell on the IMMEDIATE and near immediate hard-to-believe in many different ways super super NEGATIVE future other than to acknowledge it all and to say there are things that  NEED  to be done as an emergency yet temporary stopgap measure regardless which staggering act goes ballistic first.  With an emphasis on being done urgently.

There is speedily coming a time when the world will go crazy suddenly and there will be no Uncle Sam to bail us out.

We are fast approaching "too late" status of doing what one can to PREVENT all the depressing gloom in happening to you.  We HAVE already reached the point of NO RETURN as a nation.

Fortunately, the other side, beyond that gloom, will compensate for "the uglies" that's coming.  Those times will be fantastic.  But, first the devastation.  The shocking and sizzling explosiveness.  Human nature at it's worst.  World wide.

(I hate to say I've been telling you of this economic nightmare since last August 2007...  and even long before that...  How many listened?!?!  Or, are you listening NOW?!?!?  Are YOU being stirred to take action - immediate action - NOW?

(Again, don't believe me.  Look at the signs of the times for yourself!  Stop burying your head in denial.  Open your eyes.  Research with the links provided and others readily available from several sources, read and prove it for yourself!)

But I really want to focus on the future AFTER the near future.  Therefore, there are two steps to this homepage.

There are things to do going forward and we need to understand what they are.

Not the end of the world!

Many of those without hope could say, it is the end of the world.  And they have.  You may have even heard them as I have.  They are some of the "leaders" of the land.

I say,  NO!!!  It is NOT the end of the world!!!  Those without hope don't  UNDERSTAND  reality.  They don't  think  through the entire situation as they don't know how to think through the situation.  They have not been trained to.  Again, that is not meant as a put down.  Just reality.

Unfortunately, those are individuals in very influential positions with the media, the leaders of society, of business and "professionals" of all kinds.  And I don't blame them.  They just don't know what they don't know.  So, they have no hope and teach others to look the other way and therefore have no hope as they have no hope.

I have hope.  Tremendous hope.  And will teach others to have hope ... IF ... they are willing to listen and follow directions.

IT IS NOT THE END OF THE WORLD!!!  The world is not going to end!  It will change.  But it will  NOT  end.  It will change dramatically, but it will NOT end.

There is no hope in the world right now.  Or extremely very little.  Less than one in well over a million has any sense of hope.

And that is the reason why even though more and more commentators are beginning to see "the handwriting on the wall", the general public is still not willing to acknowledge how bad things are or even to discuss REAL issues.

Let's discuss them.

I say, let's not suppress the truth as if our head is blindly in the sand.  Let's discuss those issues.

Yes, the world will become a lot worse.  Real bad.  Actually, terrible.  Horrible.  Unimaginable how bad it will be.  Short term.  And it will be.  No dispute there.  In several directions.

But that leads to the greatest time ever so we can have hope and be encouraged and tremendously uplifted.  We can be happy.  We can be stress-free.  We can be enthusiastically high-quality positive.

Join me in this fantastic beautiful hope at full strength overcoming this world's ways of despair and no hope.  I'm very serious in that hope.  But, there is no time to dilly-dally about.  There are things to do.  Now.  Urgently.

Why do I have this awesome hopefully contagious hope?  I'll tell you why.  Shortly.

So, yes, there are several things right now as the perfect storm is developing before our eyes for those willing to take their head out of the sand.  But there are also several things we INDIVIDUALLY can do to prepare NOW for the other side for true joy, happiness and utopia beyond belief.

And these words are not used lightly.  Read on and capture this hope-filled beautiful encouraging belief system for yourself in this two-step process.

All in the context to get YOU to think.  THEN, hopefully ... you will act as THINKING COMES BEFORE ACTING.  And education comes before thinking.  TRUE education.

So, ... education, then thinking, then acting, then results.

DO what is right AND appropriate for YOU, YOUR family and those around YOU.  As the saying goes, "Don't follow the crowd as the crowd can be and almost always is wrong."

Thinking is the first step in developing character.  Good wholesome positive character.

Even though thinking is the first step, there is something that comes before that.  Education.  True education that gives the FULL picture.  The FULL truth.  You must know something before you can think about it and understand it.

So, get education but please be careful in where you get your education.  There is also false or injurious education.  Look at our "formal" educational system.  There are both proficient and deficient examples there.  Do you know how to discern the difference - good and bad education?  Read on.

Are YOU a TRUE Leader?

Even before getting into the 7 key recommended points below to what you should do, let's first talk about YOU being a leader.  It really is in your grasp, regardless of what station you are today.  Especially possible if you are NOT a leader in some capacity today.

If you are willing, the material is presented here to teach YOU to become a TRUE very uncommon LEADER in the process of developing your all-around magnet character.

A tall order but I believe it can be done, ... that is ... IF ... you are willing.  Willing to listen, learn and follow directions by taking action that YOU determine is right for YOU.

Then, watch the doors of opportunity open for you that are truly incredible.  They will profusely blow your mind.

Are you willing to change when you find you were following the masses and were wrong in the process?  That is a sign of a true leader.  Willing to admit they were wrong when they realize it.  And then change, ... and ... change in a positive way doing WHAT IS RIGHT.  Are you willing?

Uncommon leadership opportunities are right around the corner.  They can be YOURS.  And I don't care who you are today.  How's that for a promise?  They really are guaranteed.  Will one of those positions be yours?

"It" Has Begun.

As we proceed, while a lot behind this web site is well established as foundational basics  [that no school nor college nor anyone else teaches], some of the events that have and are happening in the world recently and right NOW are still in various stages of being understood more clearly and profoundly by me.

In some cases, I'm racing to understand and deliver them to you.  Therefore, some may need to be fine tuned later.  Why many return to this homepage and re-read it at least weekly for the updates.

Hence, the strong recommendation and training to build in flexibility to YOUR situation.  And this flexibility can only come from UNDERSTANDING the "whys" behind things.

A lot that has happened in the world since I retired affects your decision making and how you should proceed going forward.  And especially what has transpired this past year.

"It" has begun and there is no stopping "it".  "It" is all happening now so rapidly, it is hard to stay on top of "it" updating this homepage often enough.  Some things have been changing monthly, the