Forward StoryBehavior – Forward Story

The Power of Opportunity Cost & Why You Should Use It

Mark L. Casey — Wed, 14 Feb 2024 20:38:55 +0000

Writing this article has been on my task list for over three months. I chose to do many other things instead of writing it. I will come back to this at the end…

What on earth is opportunity cost?

Opportunity cost can be defined as:

The value of what you have to give up in order to get what you want.

Another way to say this is that opportunity cost represents the benefits you give up in choosing one option over another option.

It can be difficult to identify opportunity costs when the benefits of the alternative choices aren’t easily measurable. Fortunately, some alternative choices are easily measurable. Let me give you a couple of examples.

Smart Phone

I first encountered the concept of opportunity cost in economics. It is rather easy to see when you put it in terms of money. If I spend $1,000 today on a new smart phone, that is $1,000 that I cannot invest in a stock mutual fund (for example). Doing a quick financial calculation, if I take that $1,000 and invest it in a mutual fund earning a 6% annual return compounding monthly, in 20 years the value will be $3,326. So the opportunity cost of purchasing the new smart phone today is $3,326 in 20 years. Of course, there is value in me having that smart phone today, so I may still choose it. I will just be better informed about the actual opportunity cost of that choice.

It’s a New Car!

One more financial example.

As a young person, I felt it necessary to always drive a nice, new car. I never had the money set aside to be able to pay cash for a nice, new car, so I financed it (aka I went into debt). This means I had a fat monthly payment to make to the lender that funded the loan on the car. The financing was typically four years. I had to make 48 monthly payments before the car was really mine. This reminds me of the old saying “I owe, I owe, so off to work I go.”

As vehicles became more and more expensive, car dealers began working with their finance arms to offer increasingly long loan payoff terms. This was to keep the monthly payments “low.” That meant that to buy a new SUV, I might be making that monthly payment for six years or even seven years.

Let’s not get too crazy with this example. I am going to use the four year loan length. Let’s say I buy an SUV for $40,000. I finance all of the price at 6% interest for four years. My monthly payment is then a whopping $939 per month! On top of that, I still have to insure it, register it, maintain it with oil and tires, repair it when it breaks down, and keep it gassed up. That is quite a commitment.

The problem with a vehicle is that it is a depreciating asset. It goes down in value with each passing day. Eventually, it will be worth nothing. How do I know this? Most of the vehicles I have purchased are now rotting in a junkyard somewhere or have been crushed into large cubes. The same can be said of the smart phone. It will eventually be worth nothing.

Thinking in terms of opportunity cost, what would that $939 per month car payment be worth if invested in a mutual fund with a 6% return compounding monthly? In four years it would be worth $50,819.

When I was buying cars this way, there was a related problem I faced. After about four years I was ready for a new car. After all, the new car smell had long since vanished. The paint had a scratch or two. So I repeated the process. I bought into the idea that “I will always have a car payment.“

So let’s go with that logic and assume that I will continue making that $939 car payment every month for 20 years. When we do that math, at the end of 20 years I will own a fourth “new” vehicle that is worth a lot less than when I bought it. That is what a depreciating asset is after all.

If instead of purchasing vehicles this way over the 20 years I instead invested that $939 per month into a stock mutual fund with a 6% annual return, my value in 20 years would be $434,000. Guess what? I could then remove $40,000 cash from my mutual fund and pay cash for a brand new vehicle.

“Wow!” you say. “Why doesn’t everyone do it this way?”

For several powerful reasons:

To actually do it this way you have to delay gratification and possibly drive (G A S P) an old car you pay cash for. Definitely no new car smell there.
To do this you have to be able to withstand the constant marketing and advertising of some of the smartest people on earth whose job it is to get you to “need” that new car smell. Think white Lexus, huge red bow on top, and snow lightly falling on you and your golden retriever.
Finally, you have to overcome the peer pressure that might come from those who could look down their noses at you for driving something they view as beneath your station in life. What would the neighbors say?

Once I really learned the lesson about opportunity cost with regard to cars, I became a little obnoxious about it. In an effort to help my kids learn the lesson, I would sometimes look at a parking lot full of expensive cars and say something like: “Look at all those beautiful depreciating assets.” They were not that amused.

One reason few of us do the opportuntiy cost calculations above is that there is indeed value in doing or enjoying something today. Driving in that new car smell, getting the latest smart phone, or having that daily cup of joe brings a certain amount of pleasure.

The concept of opportunity cost is not limited to financial matters. The reason I am a guitar plunker with a very limited skillset is because 10 years ago I prioritized other things above playing guitar. Those things may have been more important, but I still chose them over guitar. I wonder how many things we could all learn and accomplish if we didn’t binge-watch streaming entertainment? It takes a certain amount of vision to see beyond the present moment and to see what this moment could lead to if I chose a different opportunity.

In chapter 11 of my book Forward Story I write about vision: “Your mind has an amazing ability to visualize a future that has not yet occurred.Some of the greatest inventors and entrepreneurs that have ever lived had the ability to visualize their invention and how others would use it. They could see how it would make peoples’ lives better before it ever became a product. That is vision.”

You and I likewise have the ability to develop the vision to see the opportunity cost in anything we buy or in any way we spend our time and talents. We must nurture that kind of vision.

Conclusion

Back to the point I began with. Writing this post has been on my list for over three months. The reason it was not written before now is that I took the opportunity to do other things with my time. The reason it is being written now is because I chose it over all of the other things I could have done with this time. Such are the decisions we make.

My encouragement to myself and to you is to be more intentional about the opportunities we take. Pay attention to opportunity cost. Ask “Is this the best and highest use of my time, money, and talents? Ask “What am I giving up or postponing by choosing this option?”

What Retirement Means

Mark L. Casey — Tue, 21 Sep 2021 16:56:47 +0000

Photo by Alexandra Luniel on Unsplash

Recently I wrote that it is time for me to re-write my Forward Story. That is because my wife and I recently achieved a major goal that we had been working on for well over a decade. With that accompished, it would be foolish to just meander without a new focus.

As I always do when I re-write my story, I start with the most distant timeframe I can envision. For me that is retirement.

The concept of retirement is a bit challenging. What does it mean to retire? We have all either known people or have heard stories of people that retired after a long employment and within a short time were either bored out of their minds or had actually passed away. Some people view retirement as a time to do nothing but relax and play.

Have you thought of what retirement means to you? I am fortunate to have many family members and friends that have already retired. By observing them I have a clear understanding of what retirement means to me. To me, retirement is simply that state of no longer needing to work for earned income. It is when passive income and/or retirement income supplies my needed standard of living. Let’s break this down:

Earned Income. Pretty self-explanatory, this is the most common form of income. I trade my time and talent for money. This could be hourly wages, salary, salary and commission, or contract. The biggest component of this that impacts my life is time.
Passive Income. This is income I receive from my investments. This can include equity appreciation through markets increasing, interest income, dividend income, etc. I get rewarded for putting my capital at risk. Very safe investments yield lower rates of return. Riskier investments typically have to pay higher rates to induce me into putting my money into them. Regardless of the actual investment vehicle and its returns, I get passive income from it. Instead of me working for my money, my money works for me.
Retirement Income. Increasingly rare, the company pension plan is an example of retirement income. Another example in the USA is Social Security.
Needed Standard of Living. Now we get a bit more complicated. I had to go and throw in the word “needed.” If I live in a tent on a friend’s property, my needed standard of living is very low relative to what it would be if I live in a four story house with a a gigantic mortgage. Of course, I get to determine my standard of living and whether I live in a tent, a four story house, or anything else. It is important to think through all of the implications of my needed standard of living vs my desired standard of living. I always need far less than I desire. You get to wrestle with all of that just like I do. As it pertains to retirement, the higher your standard of living, the more passive income you will need. This will likely delay your retirement.

Now that I have defined things, the main benefit for me once I retire will be more freedom over my time and talent. Without needing to use them for earned income, I now get to decide what is worthy of both.

Conclusion

Given this understanding of retirement, I have to calculate what that magic number is that combines both passive income and retirement income in such a way as to meet my needed standard of living. There is a lot of financial calculations and math involved in that. Nerds like me love this stuff. With all of the usual disclaimers about not knowing the future, we can then project a potential timeline for retirement.

Then I get to the more exciting part of writing the new story – envisioning the ways in which I will invest my time and talent in that new retired state. There may be some golf, tennis, and skiing in that for me, but that will be on the fringes. The retired people I know that are in their 80s and 90s are usually very active people that continue to serve and help their family, their friends, and their world. My plan will involve all of that.

What is your approach to retirement?

Godin – Paint a Picture [Quote]

Mark L. Casey — Sat, 01 Dec 2018 16:06:05 +0000

The secret of leadership is simple: Do what you believe in. Paint a picture of the future. Go there. People will follow.

― Seth Godin, Tribes: We Need You to Lead Us

Emily Brontë Died at Thirty

Mark L. Casey — Tue, 04 Apr 2017 15:14:59 +0000

How Old Are You?

My wife and I recently watched the movie To Walk Invisible about the Brontë sisters. These amazing sisters created some of the most enduring works of English literature.

The eldest sister Charlotte wrote Jane Eyre (Penguin Classics). The youngest sister Anne wrote Agnes Grey (Penguin Classics). The middle sister Emily wrote Wuthering Heights (Penguin Classics).

Their decision to write and publish under male pseudonyms is an amazing story of strategy and perseverance. Charlotte was “Currer Bell,” Anne was “Acton Bell,” and Emily was “Ellis Bell.”

As with all writers in their day, their work was conducted often by candlelight and always by hand with ink and quill on paper. I am writing this post in an online editor with cut and paste, auto-spell check, and the ability to publish to the world with one click of the “publish” button. It is hard to even envision the painstaking effort they expended to bring these works to readers.

There are many aspects to their story that I find amazing, but perhaps the thing that strikes me most is the fact that Emily Brontë lived only 30 years. In fact, her youngest sister Anne lived only 29 years. Charlotte lived only to the age of 38.

I do not measure myself against women who were among the most gifted writers in the English language, but I do draw two lessons from their lives:

Youth should be no barrier. If anyone told them they were too young, the Brontës did not listen. Some of us seem to be waiting until some magic future date when we are of sufficient age to do something important. Go ahead and do it now. Will you get better at it as you get older? Probably. Maybe. Maybe not. In the case of the Brontës, there was no getting older. Life is uncertain and short. That leads to the second lesson…
What are you waiting for? Go ahead and get started doing something you really want to do and need to do. Don’t wait for later and older. Do it now. Get it started. Do not let resistance paralyze you. If you plan to do creative work (writing, music, art, entrepreneurship), get a copy of The War of Art: Break Through the Blocks and Win Your Inner Creative Battles and let it motivate you. The main thing is to act. Now.

I have to confess that while we have had copies of both Jane Eyre and Wuthering Heights in our library for years, I have read neither. I am going to correct that soon. I think that as I read them knowing just how young these authors were when they wrote them, it will really reinforce the two lessons above.

Hopefully it will motivate me to act.

How old are you at present? If older than 30, take encouragement from what these young women did at a younger age than you. If you are younger than 30, follow the Bronte’s lead. Make it happen.

Are You a Cynic?

Mark L. Casey — Mon, 06 Mar 2017 15:54:50 +0000

It is hard not to be a cynic. Put a less tortured way, it is easy to be a cynic.

The definition of the word “cynic” I have in mind is this from Dictionary.com:

a person who believes that only selfishness motivates human actions and who disbelieves in or minimizes selfless acts or disinterested points of view

I think the reason it is so easy for me to become a cynic is because I am often myself “motivated by selfishness.” I often myself doubt “selfless acts and disinterested points of view.” In other words, I am probably a cynic because I see those undesirable traits in myself and often ascribe those same motivations to others.

Cynicism can become so pervasive that you can come to disbelieve and doubt nearly everything. Most of us listen to political speeches this way. Everything Obama/Trump said/says is ascribed the worst possible motivations and intents. This is regardless of which side you are on. You may, in fact, become so cynical that you feel that way about all sides of an issue and about all representatives of those perspectives.

It is not confined to politics. It reaches into personal relationships where we simply do not trust that anyone is coming from a place of true sincerity or altruism.

Frankly, I am getting tired of cynicism. It is always easier to tear something down than it is to build it. The tools of the trade for the cynic include snide remarks, biting sarcasm, and derisive laughter. It is rather easy to be against.

Which is easier, constructing a high rise building or knocking it down with a wrecking ball?

At some point the onus must be on me not just to sit back, criticize, and tear down. Once I have knocked everything down there will be no more buildings. At some point I need to start building something. It is not enough to just be against everything. I need to actually be for something.

Of course, when I begin building, the cynics will be there to knock down. Perhaps that is the real barrier to positive action? Perhaps the cynic believes that he or she can avoid being a target by always being the wrecking ball. That is convenient. It is also lazy and timid.

This is not an argument in favor of naivete. I realize that human beings ARE often motivated by selfishness and insincerity. It is the human condition. I have already acknowledged it in my own life. This is simply me recognizing the limitations of my cynicism and stating a desire to stop being so cynical. I have a responsibility to actually do something.

Don’t just stand there – do something.

The real danger of cynicism is that it can devolve into pessimism. Pessimism unchecked can turn into depression and ultimately despair. What I need in my life is less pessimism and more optimism. I do not need unrealistic optimism, but I will take an extra helping of optimism nonetheless. Most of us are not anywhere near overdosing on optimism or hope.

Note: I thought of linking to Teddy Roosevelt’s speech delivered at the Sorbonne in Paris in 1910 where he derides the critic and the cynic. However, I can envision someone reading this that will be cynical about his motivations for delivering the speech. If you want to read it, it is only a web search away. Search the phrase:

teddy roosevelt the man in the arena

My Responsibility with Regard to My Potential

Mark L. Casey — Thu, 05 May 2016 13:05:53 +0000

And Yours with Regard to Yours

We have all seen it before. A naturally gifted athlete with tons of potential refuses to work to develop that potential, and he or she ends up wasting it. We had a guy like that on our team.

It is sad.

I find it easy to get judgmental about that guy and about others who waste their potential.

Yet, it occurs to me that I also have specific and unique talents, abilities, and background that create my potential. The real question is whether I am putting in the work to realize my potential? Am I living up to my potential or am I instead wasting it?

That is a challenging question to answer with total honesty.

I have come to believe that it is my ethical responsibility to live up to my potential and to achieve my ambitions. To do anything less is to waste what I have been given. To me, that would be unethical.

My family, my community, and my world are counting on me to contribute what I can and to be the best version of me possible. They deserve nothing less.

So how do I achieve my potential?

Dan Fogelberg’s lyrics in “Run for the Roses” resonate with me:

It’s breeding
And it’s training
And it’s something unknown
That drives you and carries you home

While he is talking about race horses, I find application there for us. There is nothing we can do about our “breeding,” but the training and the “something unknown” is where we can reach our potential.

So, what is your potential? What is your responsibility with regard to it? What are you doing today to achieve it?

How Did You Sleep Last Night?

Mark L. Casey — Fri, 25 Sep 2015 15:27:27 +0000

Most mornings my wife and I ask each other “How did you sleep last night?” Let me ask you: How did you sleep last night? The answer we give is usually a combination of how long (number of hours) and the quality (e.g. “tossed and turned” or “slept like a rock”). The reason this matters is because the length and quality of sleep has an impact on how well we function during the day. If I were concerned that you would not agree with that assertion, I could point you to a lot of research that demonstrates the importance of sleep and how it affects alertness and performance. That information is only a web search away. However, I have not yet met anyone who thinks sleep is unimportant.

Until the last few years I did not think seriously about sleep. I was a night owl who thrived when the sun set and who despised the ringing of the alarm clock. Now I care about sleep because I care about how well I function during the day.

My recent focus on sleep is part of an overall improvement in health that I undertook over four years ago. When I lost weight through nutrition and began exercising regularly, my sleep improved. As the weight dropped, my snoring stopped. Now that I care more about the length and quality of my sleep, I monitor it more. In addition to losing weight, here are three habits I have developed that improved my sleep:

1. Monitor It Using Technology – I use a phone app called Sleep Cycle. It is available for both iPhone and Android phones. My fiend Kevin Wilson told me about it. This app does two things really well. First, it tracks the length and quality of your sleep. Using your smart phone’s accelerometer, the app tracks your movements in bed and correlates them to sleep phases. Each morning I can see what my sleep quality was (expressed in %) and the duration of time I was in bed (in hours and minutes). The second thing it does really well is wake me up. The app plays a low and soothing sound or a song from your music library to wake you up. The key is that the app waits to begin playing the music until you are in a light stage of sleep. Given that the music plays quietly while I am not in a deep sleep means that I awake much more easily and in a much better mood. I really cannot recommend this app too highly. Here is an example of a daily summary:

I love this quote from The Guardian on the Sleep Cycle app’s alarm function: “The result is so gentle and lovely it feels like being woken up by a mermaid stoking your hair or a unicorn nuzzling your toes.”

2. Eliminate Blue Light Before Bed – Before electric lights people generally started getting ready for bed when the sun set and awoke at sunrise. With the invention of electric lights, TVs, smart phones, etc. we have created the ability to have our eyes exposed to light well after sunset. The reason this matters is that our bodies begin producing melatonin when the lights go down. Melatonin is the sleep-inducing hormone produced by our bodies that impacts our circadian rhythms. While all light can inhibit melatonin excretion, blue light from electronics devices is especially detrimental. I try to eliminate blue light in the two hours before bed, but I have to admit that this is a challenge during football season.

3. Deep Breathing Exercise – About 30 minutes before bed I take one 400 mg tablet of magnesium glycinate. I take KAL – Magnesium Glycinate 400, 180 tablets brand, but just make sure it is magnesium glycinate instead of other chelates (like citrate).

I then get in bed and inhale and exhale very slowly eight times. This is not chest breathing, but “belly breathing.” Put your hand on your stomach and feel it rise as you inhale. Inhale through the nose, not the mouth. Remember, this is not to be done quickly. It is slow.
When I get to the maximum inhale, I typically pause for a second or two before exhaling very slowly through the mouth.
Again, when the exhale is completed, I typically pause a second or two again before the next inhale through the nose.
After my eighth exhale is finished, I then read a book. I usually read a physical paper book, but an e-reader with no backlit screen would also work. In other words, I avoid blue light devices. It usually takes less than twenty minutes for me to get very sleepy and to click off the bedside light. Also, I always sleep better when the room is completely dark.

A Word About Sleep Apnea & Jerrod Heard

Last week it was reported that Texas quarterback, Jerrod Heard, went to a sleep clinic and was diagnosed with sleep apnea. This was surprising to a lot of people because many believe that sleep apnea is an older person’s challenge. Jerrod is in his early twenties and is in top physical condition. His openness about this continues to be a source of encouragement to many people to consider their own sleep. Sleep apnea is only one of many sleep disorders that people struggle with. Let me be clear about this: None of what I have written above about how I sleep better is going to correct a sleep disorder. If you are not waking up refreshed and ready for the day at hand, please speak to your doctor and consider doing a sleep study. Thank you to Jerrod for waking us all up to the fact that even young people can experience sleep disorders.

How did you sleep last night? Use the Comment button to share your thoughts and questions about getting a good night’s sleep.

Tweets of the Week: Traveling Light, Food, Family, & Seth

Mark L. Casey — Sat, 25 Jul 2015 21:46:55 +0000

Week ending July 25, 2015

Saturday is a good day to recap the activity from our Twitter feed from the past week. Not sure what Twitter is all about? That’s OK. Neither are we (or at least it remains somewhat mysterious to us). There is no denying, however, that there is some very valuable information shared on Twitter. That is what this weekly feature is all about. Click the links below to check out the good stuff. Here are my Top Tweets from this past week, great for retweeting (whatever that is). If you missed these, follow Forward Story on Twitter.

By the way, if you are wondering what the @ and # signs are all about, these are Twitter’s way to identify the Twitter handle (@) for the person who tweeted (for example, ours is @forward_story) and to allow for an indexing or categorization of the tweet by using one or more hashtags (#). Feel free to ignore these and just follow the link for the content we are sharing with you.

Grandparents

Susan Adcox ‏@grandparent Jul 17
RT @grandmasbriefs: Grandparents: Inspire grandchildren to create their own adventures http://www.grandmasbriefs.com/home/grandparents-inspire-grandchildren-to-create-their-own-adven.html …

Susan Adcox ‏@grandparent 17h17 hours ago
Grandparents, keep outings with the grandchildren affordable by avoiding the gift shop trap. @GRANDMMagazine: http://ow.ly/P9BDz

Training & Health

Experience Life ‏@ExperienceLife Jul 18
An insightful #training program for the high-performance senior — A review of @jfriel’s #FastAfter50 http://j.mp/1Ma3l8h #healthyaging

Mark_Sisson ‏@Mark_Sisson Jul 20
Doctors of the Future: 3 Promising Trends in Medical Education | Mark’s Daily Apple http://bit.ly/1HQRs5p

Amy Kubal ‏@AmykRd Jul 20
9 sleep mistakes you’re probably making after 9pm: http://m.huffpost.com/us/entry/55a68429e4b0896514cff197 …

KeithNorris ‏@KeithNorris 4h4 hours ago
Epigenetics of aging. Interesting stuff. If you *really* believe age is just a number, it truly is! http://www.nbcnews.com/health/aging/are-you-aging-faster-everyone-else-n387626 … @EclecticKitchen

Recipes from “Our” People

Civilized Caveman ‏@CookingCaveman Jul 18
Perfect Sweet Potatoes every time from http://www.civilizedcavemancooking.com #recipes http://pinterest.com/pin/64950419603045758/ …

Maria Emmerich ‏@MariaEmmerich Jul 18
Pizza Pot Pie http://buff.ly/1RBWlWt #LCHF #keto #lowcarb

Maria Emmerich ‏@MariaEmmerich Jul 24
Gingerbread http://buff.ly/1OwgFmN #LCHF #keto #lowcarb

Danielle Walker ‏@againstallgrain Jul 25
An easy recipe! Pressure Cooker Chicken Enchilada Soup #againstallgrain #paleo #glutenfree http://grainfree.ly/1fDlgId

Maria Emmerich ‏@MariaEmmerich 8h8 hours ago
French Silk Pie http://buff.ly/1gQ75Qx #LCHF #keto #lowcarb

Wisdom from Seth

Seth Godin ‏@ThisIsSethsBlog Jul 19
Seth’s Blog: An alternative to believing in yourself http://bit.ly/1VgK5tJ

Seth Godin ‏@ThisIsSethsBlog Jul 20
Seth’s Blog: Preparing for a shark attack http://bit.ly/1I5bchs

Travels

Tim Ferriss ‏@tferriss Jul 20
How to Never Check Luggage Again http://bit.ly/1Lpsagh

Tweets of the Week: Food, Recipes, Health, Family, & Wisdom

Mark L. Casey — Sat, 18 Jul 2015 16:31:41 +0000

Week ending July 18, 2015

Here are a few recipes from people we trust:

Maria Emmerich ‏@MariaEmmerich Jul 13
Peanut Flour Cake http://buff.ly/1K01ctz #LCHF #keto #lowcarb

Danielle Walker ‏@againstallgrain Jul 12
Dark Chocolate Peanut Butter “Granola” Bars #paleo #againstallgrain #glutenfree http://grainfree.ly/1flgUFD

Russ Crandall ‏@thedomesticman Jul 16
Seared Scallops with Sautéed Kale http://thedomesticman.com/2012/12/18/seared-scallops-with-sauteed-kale …

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Cooking & Kitchen

Colin Champ, M.D. ‏@CavemanDoctor Jul 13
Home Cooked Meals Make You Smarter, Healthier and Thinner http://www.myhealthwire.com/news/diet-nutrition/1080 … via @myhealthwire

Experience Life ‏@ExperienceLife Jul 14
Want to get healthy? Start in your kitchen! says @markhymanmd @mindbodygreen http://j.mp/1GjFbRu #learntocook #MyRevAct #healthyliving

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Health & Fitness:

William Davis, MD ‏@WilliamDavisMD
Novak Djokovic is “gluten-free” but also limits his carbs–I know because I wrote the foreword for his book…. http://fb.me/6EhfpO9pD

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Money & Finances

Rachel Cruze ‏@RachelCruze Jul 14
The Financial Mistake One-Third of Parents Make https://www.yahoo.com/parenting/the-financial-mistake-one-third-of-parents-make-123996068377.html?soc_src=mail&soc_trk=ma …

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Parents and Grandparents

Susan Adcox ‏@grandparent Jul 11
Grandparents, don’t be unwitting drug suppliers: http://ow.ly/PuseU @aboutdotcom

Susan Adcox ‏@grandparent Jul 12
1 in 28 American children has an incarcerated parent. Often grandparents pick up the slack: http://ow.ly/PuR57

Susan Adcox ‏@grandparent Jul 14
Taking the grandchildren on an outing? 3 easy steps for managing their behavior: http://ow.ly/Pzrqh @aboutdotcom

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Wisdom from Seth

Seth Godin ‏@ThisIsSethsBlog Jul 13
Bounce forward http://sethgodin.typepad.com/seths_blog/2015/07/bounce-forward.html …

Seth Godin ‏@ThisIsSethsBlog Jul 16
Seth’s Blog: In search of metaphor http://bit.ly/1HQhFg2

Seth Godin ‏@ThisIsSethsBlog Jul 18
Seth’s Blog: “Because it has always been this way” http://bit.ly/1LtdBIh

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For Entrepreneurs

Abel James ‏@fatburnman Jul 16
14 Entrepreneurs Share Best Advice From Their Fathers http://cr8.lv/1I6mNB6 via @creativelive

Tweets of the Week: Food, Health, Family, and More

Mark L. Casey — Sat, 11 Jul 2015 19:18:12 +0000

Week ending July 11, 2015

We took last Saturday off to celebrate the 4th of July with our family, but we are back today with more great info. Because of the week off, today’s post is a little over twice as long as usual. We found some great stuff on a variety of topics.

Here are a few recipes from people we trust:

Danielle Walker ‏@againstallgrain Jun 28
Homemade Gluten Free Chicken Nuggets #glutenfree #againstallgrain http://grainfree.ly/1JTHC2W

Danielle Walker ‏@againstallgrain Jun 28
Also- in need of pies and cakes for the weekend? These are all grain-free and dairy-free! … http://grainfree.ly/1IDx1VR

Danielle Walker ‏@againstallgrain Jun 28
Black Bottom Banana Cream Pie #paleo #glutenfree #againstallgrain http://grainfree.ly/1IYEu7A

Chris Kresser ‏@chriskresser Jul 7
Five delicious dairy-free ‘milk’ shakes. Cool off and indulge Paleo style. http://bit.ly/1LP1fKT

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Parenting

Great stuff for parents with adult children – 3 Tips for When Your Kids Move Back Home | Rachel Cruze: http://www.rachelcruze.com/topics/kids-and-money/3-tips-for-kicking-out-boomerang-kids#.VZRvRNmGxy_.twitter …

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Grandparenting

Susan Adcox ‏@grandparent Jun 28
10 mistakes to avoid when traveling with grandchildren: http://ow.ly/OT3Th @aboutdotcom

Susan Adcox ‏@grandparent Jul 3
Especially for grandparents: How to keep from going broke in the gift shop. My latest piece for @GRANDMMagazine: http://ow.ly/P9BDz

Susan Adcox ‏@grandparent Jul 5
Help for grandparents who have trouble saying no to adult children. http://ow.ly/PaLmC @aboutdotcom

Susan Adcox ‏@grandparent Jul 5
MT @grandmasbriefs: RT @NBCNews: A widow’s reverse mortgage ‘nightmare’ http://nbcnews.to/1RUhjux

Susan Adcox ‏@grandparent Jul 10
Grandparents have seen this change, and it’s not good! RT @aboutdotcom: Study finds little kids need to exercise more http://abt.cm/1IJtIkt

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Medical, Health & Fitness

Chris Kresser ‏@chriskresser Jun 28
Chronic inflammation is believed to be a major risk factor for #osteoporosis. http://bit.ly/1R6S5c0

Chris Kresser ‏@chriskresser Jun 28
Virtually all skin disorders, including #acne, are inflammatory in nature. http://bit.ly/1LeMPV9

Mark_Sisson ‏@Mark_Sisson Jun 30
Why precommitment beats willpower. http://ow.ly/OZBMs

Amy Kubal ‏@AmykRd Jun 30
The benefits of going for a walk are about more than getting exercise http://www.theatlantic.com/health/archive/2015/06/how-walking-in-nature-prevents-depression/397172/ …

David Perlmutter, MD ‏@DavidPerlmutter Jun 30
Statins reduce libido. Read the science: http://www.drperlmutter.com/study/is-decreased-libido-associated-with-the-use-of-hmg-coa-reductase-inhibitors/ … #brainmaker #grainbrain

Digestible Tips for Staying Gluten-Free On-The-Go – Modern Wellness Guide http://www.modernwellnessguide.com/lifestyle/digestible-tips-for-staying-gluten-free-on-the-go

Forward Story ‏@forward_story Jul 1
This Is Your Body On Sleep Deprivation http://www.huffingtonpost.com/firas-kittaneh/this-is-your-body-on-slee_b_7663702.html …

Amy Kubal ‏@AmykRd Jul 1
Why Body Mass Index (BMI) Is Wrong for So Many People http://huff.to/1H035p0

Abel James ‏@fatburnman Jul 5
6 Easy Tips for Clean Eating on a Small Budget http://flip.it/l22jz

Amy Kubal ‏@AmykRd 7h7 hours ago
This is your body on alcohol: http://drugabuse.com/featured/the-effects-of-alcohol-on-the-body/ …

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Money

Experience Life ‏@ExperienceLife Jun 28
The Mirrors of Your Spending — How our most intimate sense of self & our use of #money reflect each other http://j.mp/1BH9LJw #values

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Wisdom / Productivity

Seth Godin ‏@ThisIsSethsBlog Jun 28
Seth’s Blog: Buzzer management http://bit.ly/1GIZTvB

Michael Hyatt ‏@MichaelHyatt Jun 30
Why You Should Flush 90% of Your To-Do List Down the Toilet http://mhyatt.us/1ol0bFb

Experience Life ‏@ExperienceLife Jul 7
New job jitters? How to settle in with minimal stress — http://j.mp/1KKe8Xh #worklife #balance #stressmanagement