A Smack Upside the Head! Old Guy Schools the Young

By Ronald E. Newton

This book starts with where you are. Let goal  dreams enter your mind instead of the idle daydreams. Do we truly know — what we don’t know? Most of America is in that boat.

Within eleven chapters I hope to change your view on life. To enable you to live more abundantly than expected. You aren’t a millionaire. The poor will benefit from this book! The author wrote this book at agr 76. Some ideas were hard won. It doesn’t have to be so for you.

You don't have to be rich to become wealthy. A simple mental change is required. Financial  sense helps in building your wealth. You just need a plan for your needs. It's scary to develop the plans and money you'll need. Those needs are common to most of us.'

Your needs:

• Livelihood, call it a job!
• To actually build wealth not squander it.
• To gain the ability to recognize an asset from junk.
• To make a budget and discipline to follow it.
• To save 10% of your take home pay for yourself.
• To know the difference between wants and needs.
• To stop traveling without a destination in mind. Without a destination anywhere will do as a destination!
• To learn and with that skill how to invest.
• To know what investments you may make.
• To plant your seed crop for the future and to reap it.
• TO ALWAYS TAKE CARE OF NEEDS before wants.
• To not drift through life but live in the present.
• You need goals and plans to reach them.

You were single with a job, then you met the special person you couldn't live without. Marriage quickly followed and proving you can't live off of love!

The couple needs money for:

• The new home
• Children
• Car
• College
• Various insurances
• Expanded household budget
• Long awaited vacations and travel
• A father or mother needs nursing home care.

God knows, I hope you picked the right spouse! Alimony ruins the budget and life of the payer. Undisciplined children precede worry, disappointments, and lack of family peace. Then you realize that you’re mortal! There’s a retirement to be had; if you don't consider working until you die. Actually you're learning to plan for the stages of your life and an abundant one. Take time to actually live your life and some of your dreams.

So life and your plans unfurl and hopefully each was sufficient! As Spock of star trek put it, “Live long and prosper.” Life isn’t a television reality show. It doesn’t have anything to do with fairness.

A U-Haul truck won’t follow your hearse to the cemetery containing your grave. You can't take what you have with you! The family needs your death box. No, not the casket or urn, but the box that contains the information they need to honor, administer your final wishes and estate. You did make one right?

A wealthy person consults with experts about their life.

• How you'll live it.
• How you'll pay for it.
• How you'll protect it.
• How you'll get more out of it.
• How the family will live on after your death.

These experts are financial advisors or planners, lawyers, wealth management firms, tax consultants, and experienced life insurance agents. The breadth and quality of these experts are to be determined by what you can afford!

At the end you'll realize that two things happen to us all — death and a life lived. I hope you’ll be in a better place before you realize that you died. This book is my attempt to provide the information that can better your life and or family. If you could make them better; why would you not do so?

• Language: English
• Publisher: Low Cost Internet Biz LLC
• Release date: Sep 22, 2016
• ISBN: 9781536589184

Ronald E. Newton

Ronald E. Newton I spent eight years with the USAF Security Service serving overseas. Military intelligence is not an oxymoron. Worked several years as a medicare claims examiner for the state of New Jersey. Finally found a job I liked. Meaning I love to work my job. After 32 years retired from IBM as a networking consultant. It was an eye opener to work in the back rooms of corporate America. Some where in the journey I married a southern belle and moved to the south. Two sons and daughter entered my family and all of them have left home to be on their own. They still come back though. After receiving helping hands in my career, I taught for free, the SAT in Greensboro, NC for 25 years. Every college graduate was a satisfying victory for me and my students. The lesson learned there was don't teach---Mentor! Became immersed in a new network called the Internet. Imagine PCs instead of water cooled main frames. Worked to launch free blogs at triadblogs.com. Developed mentoring site for SAT, GED and Personal Finances. I have a personal blog at www.rnewton.net/wordpress/ and an author's website at www.rnewton.net. You may email me or get links to my mentoring sites from my author's website. Please drop by and kick the tires. I was first published in Negro Digest in 1964. My how the years have flown. Why should you give a book review? Take a look at this video. http://www.youtube.com/watch?v=yf0T37CeqIY How to write a book review. Watch this video. http://www.youtube.com/watch?v=FuxopkUVNds

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Copyright © 2016 Low Cost Internet Biz LLC

Written by Ronald E. Newton

This book is licensed for your personal enjoyment only. This book may not be re-sold or given away to other people. All rights are reserved. No part of this book may be used or reproduced in any manner whatsoever without written permission except in the case of brief quotations embodied in critical articles or reviews.

The information provided within this book is for general informational purposes only. While we try to keep the information up-to-date and correct, there are no representations or warranties, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the information, products, services, or related graphics contained in this book for any purpose. Any use of this information is at your own risk.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them doesn’t imply any affiliation with or endorsement by them.

This book contains references and links to other Third Party products and services. Some of these references have been included for the convenience of the readers and to make the book more complete. They should not be construed as endorsements from, or of any of these Third Parties or their products or services. The author doesn’t assume liability or responsibility for any Third Party material or opinions.

Low Cost Internet Biz, LLC www.rnewton.net/

1006 Bearhollow Road

Greensboro, NC 27410

U.S.A.

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I wish to acknowledge my hidden mentors of all things book from whom I learned so much:

Paul Salvette, of BB Books, provided my first glimpse of HTML & CSS styling of books.

J. W. Manus’s Word knowledge and self-publishing experience guided my fledgling efforts in producing readable books.

Thanks to both of you, I have published over eleven books, mostly non-fiction. Writing them was pleasurable when I reached the end. The formatting for publishing was maddening.

To my grown children who have tolerated a crazy dad who wants to write, thanks.

There’s a special lady in my life who is my helpmate, significant other, whose love conquerors all in my universe. None of this would be possible without you in my life. Thanks for slowing down so I could catch you!

Why Your Head Hurts

IN MY YOUTH, MENTORS found me or perhaps I stumbled across them here and there throughout my life. Seventy-six years ago, I came into this world and have been struggling ever since. That’s how it should be when you live in the reality of this world. Our world has contrasts:

Hope and despair

Good and evil

Wealth and squalor

War and peace

Wisdom and foolishness

God and demons

I remember one old but jovial barber who would smack me upside my head when I acted foolishly or without thought to the consequences of my actions. This reminds me of Mark Harmon’s character, special agent Leroy Jethro Gibbs, in the television show NCIS. The barber really stunned me and gained my full attention. Barbers don’t accept credit cards or checks; they’re in a cash business. A barber is a small business owner or independent subcontractor. He is making money on his own. That’s exactly what I want you to do.

I’m not physically near you, but I want this book to do that for you. Wake up, read and learn from my words. They weren’t written to soothe your ears, causing you to slumber in bliss. You don’t know what you don’t know! That’s the pity of not knowing. It limits your potential and your future, and it endangers your life. Wake up and reason, son.

You’re not the world’s foremost expert on investing or maximizing assets. The intent is to get you started on the right path to ensure your financial future. The sooner you start — the better. The more time your investments have to grow, the larger they’ll become. Your experience at investing will grow, and so will the gains you’ll possibly make. Knowledge and understanding won’t come to you all at once. You must take the journey outlined in this book to benefit. That’s the purpose of Smack Upside the Head.

Jarred Out of Your Complacency

You’re happy with what happens around you. There’re no faults in your world. Your belly is full. School is out. The sun warms you and winter’s cold is far away. Interesting times come from change, which is inevitable but profitable to the wise man. Change is opportunity! The man or woman without wisdom or skill may have change devastate his or her life.

If you don’t have a goal, the world ensures that you wind up far from what you wanted, accepting whatever this world decides. Change offers choices and choice leads to consequences, young grasshopper. Knowledge is the key to all! Its value is beyond measure. Power resides in those who grasp and wield knowledge. The act of learning profits a person. He who uses, applies, and seeks wisdom benefits many. Victims don’t have power to wield. They depend on others for their welfare. Their justice is in the hands of others.

You’re Here Because

You found this book, which pleases me because I’m paid by it. But you’re seeking something in your life. You’re seeking the answer to your dissatisfaction in this world and your life. This book doesn’t go strictly from A to Z. It follows my logical thoughts, which may be an error on my part. Enter in, learn, understand, and apply the information I’m giving to you. It’s time to transcend your body, mind, and spirit. Do you dare unlock the unknown potential within? Do you want to keep drifting along in life caught in stagnant pools of water or flow down the main channel? Was your answer yes?

Assets versus Junk

YOU MUST LEARN TO separate assets from worthless junk. To acquire objects I call assets, you must discern them from objects that have no real value. What is an asset? It is property owned by a person or company, regarded as having value and available to meet debts,