When Somebody’s Trying to Kill You, You Have to Listen and Act

9/11 was our Pearl Harbor. Twenty-five years later, too many have forgotten the lesson: when an enemy tells you what he intends to do, listen—and act. This time, the enemy is already be among us. AGAIN! — YNOT! There is an old habit in government, business, and ordinary life that gets people into trouble. A warning arrives. Then another. Then another. Each one, by itself, is imperfect. None contains the entire story. So everybody waits for the warning that comes gift-wrapped, notarized, signed by the enemy, and accompanied by an appointment on the calendar. That warning seldom comes. And sometimes, while everybody is … Continue readingWhen Somebody’s Trying to Kill You, You Have to Listen and Act

The Market Is a Roller Coaster — Make Sure You Can Afford the Ride

Every penny that you save is a penny earned — said a wise person somewhere. Maybe it is time to stop worrying about how much money you can make and start worrying about how financially strong you will be if things get ugly. Today, Tuesday, September 15, the Federal Reserve begins its two-day meeting. The actual interest-rate announcement comes tomorrow at 2:00 PM Eastern, followed by the Fed press conference at 2:30. And right now, Wall Street is leaning heavily toward a quarter-point rate increase. A few weeks ago, economists were arguing about whether the Fed would raise rates, lower … Continue readingThe Market Is a Roller Coaster — Make Sure You Can Afford the Ride

The Sea or Life Does Not Care About You

The sea teaches the same lesson life does: small leaks become disasters when ignored, panic sinks faster than water, and the calmest person in the storm is usually the one most prepared. Fortune rewards the prepared. — YNOT! I gave a boating safety class today. Now, most people think a boating safety class is about life jackets, flares, radios, and where to stick the fire extinguisher. And yes, technically it is. But after enough years on the water, you realize boating safety has very little to do with boats. It has everything to do with human nature. If you … Continue readingThe Sea or Life Does Not Care About You

Unbreakable – YOU can BE!

  Strength isn’t something you’re born with — it’s built one quiet, stubborn habit at a time, long before anyone calls you a hero. –YNOT The trouble with life, my friend, is that it doesn’t care how fragile you feel. You can be minding your own business, trying to sip your coffee without spilling it on your shirt, and life will roll in like a drunk circus elephant: layoffs, breakups, medical bills, broken transmissions, rude emails, and politicians on television explaining how all this is somehow your fault. Most folks go down in the first round. A few stagger … Continue readingUnbreakable – YOU can BE!

Be the Gray Man — How to Become Forgettable and Stay Alive

My life has had habit of dropping me on my head in strange, dangerous places just to see what I will do next. And most times, the smartest move isn’t to fight or flaunt — it’s to fade. To hide in plain sight. The trouble is, we’re raised in a culture that worships visibility. Western society treats attention like oxygen — the louder you are, the more alive you seem. Flash the car, the watch, the lifestyle, even if it’s borrowed or breaking you. But in most of the world, that kind of showing off isn’t admired — it’s … Continue readingBe the Gray Man — How to Become Forgettable and Stay Alive