Category Archives: money


This is a story about an humble woman wanting more not just for herself and her family, but wanting to do so much more for those suffering around her. She knows the pain of poverty. She knows the frustration she sees in the eyes of others who are always dollars short from taking better care of their own health, and the health of their family. She knows why some make bad decisions in order to just try to survive another day while watching others thriving with resources.

This story is about a mom who barely makes enough for herself and her family, but she will put herself out using her time and her car to help others who also suffer from the challenges of not having enough money, and struggling every day to keep food on the table, and doing their best to look after their family. Not being too far removed from poverty challenges herself, she has just about run her car to death. She goes out of her way to see that other moms keep their appointments with housing people, getting food, and looking for the social services needed to maintain their family. Her car has kept some families from total frustration by her arranging her schedule to make sure a mom can continue meeting with people just to find a place to live since the boyfriend can’t seem to find a job because of his past.

This story today is about how this mother has used her car to make sure someone suffering from poverty worst than herself can keep going by finding places where another mom can get some food when resources run low from social services who cannot keep up with the demand of families needing food.

Recently, this mom who also works hard to make sure her husband can get to ER from yet another health challenge, knowing the car could stop at any moment. She prays that her car holds up while taking her two teen-age daughters to yet another school function while juggling the need for car repairs against the need for food and/or to make sure the rent is paid on time. While working, getting her husband to work, and getting the daughters to school events, she is concerned about what will happen to her and her family when the car finally stops. She has been stopped by the police when they noticed that her car needed a current registration. She wanted to get the registration, but her family also needed food, others needed transportation to find resources, and the car had to have gas and oil. Why are older cars so expensive to maintain?

Sometimes this mom cries. She is going to school in order to prepare herself for a better job. By working hard on her homework, she has managed to make the Dean’s List at her college. She is happy about that, but knows that she needs to get more rest if she is to keep her grades up. Good grades equates to completing some of her educational goals, plus it is an inspiration to her own teen-age daughters. Maybe if she can graduate and find a better job elsewhere, or be promoted at the fast-food job where is now training for management, she can make enough money to get the car fixed. So many things on the car are failing; now she needs about $3,000 just to ensure that all the mechanical items get fixed before the car finally quits.

The phone rings while she is preparing dinner and encouraging her girls to do their homework without the assistance of computers. It’s ER again; her husband has passed another critical episode—she can come and pick him up. She leaves the girls again at night, knowing that they are being socially and academically drained without the aid of computers, but keeping a roof over their heads and keeping the car running overshadows that as she goes out the door again to the ER, thinking about a friend who needs a ride to get her housing voucher tomorrow. The car is slow to start. She prays. Maybe someone has an older SUV in good condition that they would like to get a tax deduction on. Or, maybe someone with mechanical skills would be willing to donate such skills to keep this car running, As she pulls out of the drive-way, she thinks: about making the Deans List. Not to bad for a struggling mom, working a full-time job, and going to school almost full-time! Well, at least the car started again.




“Helping Others to Get More Green Using My Ideas in 2017!”

Yeah, this is my homey goal (or at least one of many!) this year.  I have been blessed to have been exposed to many industries, entrepreneurs, and have read many books and attended a bunch of workshops and seminars on making money.  Unfortunately, I have spent so much time working various jobs, reading books on making money, and attending training and speaking events that I haven’t made much money.  But, I have finally learned enough, including the “Multiple Streams of Income,” by Bob Allen.  Now, it’s time for me to teach others what I have learned so that they don’t waste the 40+ years  that I have invested in education, training, and learning about money-making.  And, I plan to make my own green (at last!) in 2017!

One thing I have learned is that some people (like me!) have great ideas, but didn’t do much, if anything, with our ideas.  An idea is just an idea that is worthless unless it is put into action to bring about change, improvement, make money, or help others make money or have a better life mentally, physically, morally, spiritually, or financially. Well, anyway, I do have a plan to do something with all of this information, knowledge, and input on at least having a home business whose expenses will allow me not to pay taxes.  Now, I have nothing against paying taxes; I just think that I have paid enough, and am willing to pay my 15% – 20% after I have made my millions!  Perhaps with Trump as President, there will be more opportunities for small businesses, and home businesses that can have a fair shot at becoming profitable entrepreneurs.  I learned some of this when I did income tax preparation for some fairly wealthy people.  When I did the income tax for a somewhat very wealthy man, he didn’t pay any income tax.  When I finished my first draft, I called him to give him a report.  When he asked me how much taxes he had to pay, I told him nothing.  I thought he would be shocked.  He asked me what was his taxable income.  When I told him, he said I was $10 off!  I had worked hard, figured, and re-checked my figures from his company income, his rentals, and other income, and was sure my figures were correct.  Then he blew me away with some information.

This client’s information floored me!  He told me that his daughter was his company’s bookkeeper and that she was married to an accountant who had already drafted his income tax return!  Then he told me he had a CPA who annually checked their work, and that he had a tax attorney.  Noting my silence, he then told me that every year the IRS audited him, and that he always hired someone each year who didn’t know anything about his operations in order to get a fairly honest tax return that he knew would be audited!

When I returned this client’s books to him and his final tax return, I was curious about how he could make SO much money, and not pay taxes.  I will never forget that conversation.  I will share a little with you, the reader:

ME:  How could you make so much money, and yet not pay any income taxes?

HIM:  I pay my taxes by paying my daughter, by paying her husband, by paying my CPA, and by paying my tax attorney.  They, in turn, spend the money in our area which helps our economy.  If I pay a lot of income taxes to the federal government, they don’t use good economic sense.  They just give away money into worthless social service programs, and help foreign governments, but don’t invest the money to really help the American economy.

ME:  But don’t you feel bad by not paying federal income taxes?

HIM: No, I spend my time doing everything legally because I know I am going to be audited EVERY year.  I keep a log of all of my travels locally and globally and track every penny earned and deducted.  I don’t do anything without thinking of a tax advantage.  Even when I need some groceries or anything, I figure out how I can go pass the store or stop, talk to someone about business, and on the way home, I make my stop.  The entire trip is tax-deductible and I keep a log of my mileage, where I went, and who spoke to.  When I want to take a vacation with my family, I don’t take a vacation; I take a business trip.  I figure out where I want us to go, check out to see when the location has business seminars, sign us up for seminars, attend at least ½ day of each day of the seminars, take the other 1/2 day enjoying ourselves, and then take people out for breakfast, lunch, and dinner.  The entire trip (vacation) is a tax write-off.

ME:  I want to do that.

HIM:  You can’t.

ME:  Why?

HIM: America was not made for wage-earners; it was created for entrepreneurs.  You have always worked for others so you are a wage-earner.  I am an entrepreneur, and America and the tax laws were made to benefit entrepreneurs.  Only entrepreneurs can benefit from our tax laws!

At first, I was angry with him, and at those who made a lot of money and didn’t pay taxes.  Later, I realize that he was right.  As long as I worked for others, I was helping them to bring their dreams come true, and I was a tax write-off.  If I didn’t make enough to cover my wages, AND make the other person or the company I worked for a profit, they didn’t need me.  But, as long as I was making them money beyond what they paid me, they would keep me on, paying me just enough to keep me on, perhaps giving me awards, but not enough money for me to really get ahead and stay ahead.  Usually, they didn’t care about my family, my needs, or my dreams—that was my responsibility.

I am glad for that conversation with that client.  I am glad for the books read, meetings I attended, and getting experience from a lot of different jobs.  I know a lot about how much (or little!) people make from a lot of industries.  I have seen hard-working people lose their homes, lose their cars, unable to help their children get into college, and not have enough money to take care of their own health, or pay for great legal advice when needed.  If these people would have had a successful home business, and/or had some entrepreneurial training and had a great money-making business, there would have been a different ending for these families, and would have set their descendants on an entirely different financial path.

Many late-arriving immigrants seem to have learned what many native-born Americans have not learned: share housing as much as possible with others living together, save money until they can really afford to get a place of their own; work whatever job they can, including working a second job, and learning how to have their own business (often with help from other native-born business people and/or their countrymen).  Perhaps if more native-born Americans would spend fewer hours watching television and listening to music, and more time learning on a second job, AND attend meetings on how to have a home business or make extra money, they could be as successful as many legal (and illegal!) immigrants.

At the same time, many native-born Americans have great ideas as has been shown in developments in the space age, in music, in agriculture, in technology, and in so many other areas.  Others have had great ideas, but didn’t know how to protect their ideas and became discouraged; some others shared their ideas, and had them confiscated; and then there were many others who didn’t know the steps to get their idea from conception to successful marketing and gave up.  Well, at least, I can help some of them with some steps that I learned from a recent AARP Bulletin:


  1. Believe that your idea will lead to a product that can solve a problem for many people
  2. Begin saving money for fees ($65 for a provisional patent application; $400 for most people; $800 for nonprofits and small businesses; and $1,600 for regular application; and several thousand dollars to hire a patent agent and/or patent attorney)
  3. Research on Google Patents or the United States Patent and Trademark Office website ( to make sure your idea has not already been developed, or is somewhat very different from a patented idea like your idea by looking at drawings of other similar inventions
  4. Do a detailed drawing of your idea
  5. Create a prototype and a marketing plan
  6. Get connected with a professional patent agent and/or a patent attorney
  7. Apply for a patent within a year of sharing your idea with others at, utilizing all of their resources, including the Inventors Assistance Center, as well as connecting with the United Inventors Association of America (an inventor club helping members)
  8. Get input from trusted family and friends who will not reveal anything, and if necessary, get nondisclosure agreements
  9. Be patient, as the process of steps one through seven can take at least twelve months; step eight will take another year and a half before you hear back with a provisional approval; and then another six months before receiving a final decision—if over 65, ask to be fast-tracked
  10. Shop your idea around for licensing and manufacturing partners now that you have applied for a patent
  11. Connect with other production and distribution experts
  12. Develop a product name that people will easily remember and submit application to the USPTO (plan on spending anywhere from the $35 registration trademark fee to several thousand for legal protection fees)
  13. Settle on a company to license, manufacture, and market the product, and
  14. Work to get inventors’ royalties, which may be between 7 and 10 percent.

(Adapted from “How to Patent Your Million-Dollar Idea” by Kimberly Palmer, AARP Bulletin, October, 2016)






Save Some Green in 2017!

Yep!  That’s right!

In 2016, a lot of people paid a lot of money unnecessarily just because they didn’t have the proper information.  Some overpaid in purchasing automobiles.  Some overpaid in signing contracts that they should not have signed.  Some overpaid in getting credit cards that were so plentiful.  And, many overpaid in getting child custody, child support, or in getting a divorce.

Well, 2017 can be the year where many can save some green!  There is a report that I can send to anyone who will send me their email address.  This report shows that everyone can now have access to legal advice even when they didn’t know that they could have such access by getting the proper information. Here is some of the information from that study:

A national probability sample of males and females aged 18 to 64 was drawn from American Consumer Opinion® Online, Decision Analyst’s worldwide panel of over eight million consumers. The sample was balanced by geography and selected demographics such as gender, age, ethnicity, and household income. Panelists were invited by email to the screening survey, and those employed full-time were invited to Decision Analyst’s DAISurvey™ website to participate in the study.

Decision Analyst is one of the largest marketing research and analytical consulting firms in North America, and serves an array of Fortune 500 companies around the world. The firm specializes in strategy research, product testing, advertising testing, and marketing optimization using advanced simulation techniques. The firm is headquartered in the Dallas-Fort Worth area.

The Legal Needs Of American Families Study (Legal Needs Study) shows that working Americans and their families face a myriad of legal issues on almost a daily basis. The study shows that 57 million full-time working Americans experienced at least one significant legal event in the past 12 months, but only 60% of those who experienced such an event actually sought out the services of a lawyer to help them.

For the full study sent to you by email, request it by email, and it will be sent to you right away.  After reading the study if you have questions, email me your questions and I will be glad to give you answers to your questions.  In the meantime, plan to save some green in 2017!