Retire with Tax Free Income. How to guide

Something I never new but am now just understanding that I better prepare for my retirement since I am less than 10 years away from my sixty fifth birthday.  Wow how time flys by when your work like a dog and don’t smell the roses!!

I have always trusted that corporate America was wise and that 401K savings was the way to go.  Recently I was shocked to learn there was a better way and only the rich folk know!!  So I decided to look into it my self and realized I was wrong to trust my money to corporate America.  I have a partner with my money and I have to qualify to get it back out from its tax deferred setting.  I placed it in when the tax base was low but now that the tax base is higher I will pay more on my money than when it went in.  WOW.  Had I know I could save my money in a tax free investment and pull out money when I wanted to I would have chosen that route instead.

Want to know more?

go to

and see the videos to guide you and talk to the agent there if your interested in saving money or even if your looking to have a part time job doing it yourself.

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My Life after Major Medical Surgery

This is a hard topic for me to give advice about but after thinking of it for several months I decided to write down what anyone will face while trying to cope with a major medical catastrophe.  I recently felt bad one day and decided to go to the hospital to have myself checked out.  I am the type of person that works till I die (so I thought) but God had a different idea than what I had in mind.  I had been laid off from my previous employer due to the closing of the office and after 4 months of searching I finally found a job.  After one week of being there I felt something was wrong and asked the wife to take me to the hospital.  The doctor took one look at me and asked me if I knew my skin was yellow.  A sign of Jaundice which meant my liver was in trouble.  I don’t drink but the final analysis was my liver had quit working and there was nothing they could do except send me to St Luke Hospital in hopes of a transplant.  I was transported by ambulance and admitted the next day and went through several more test but my body was blotting up due to the liquids that were being retained.  My Kidney went into shock and failed and I was in a downward spin.  I told my wife to call the kids and let me say goodbye while I was still conscious.  I remember my father going through the same thing I was going through and knew it was a matter of time that I would not be here.

Since I had just started my job I had only paid for the first month of my insurance so I knew there would be no more health insurance after this month to help me.  My bank accounts were low and I did not have enough money to cover for any long term care or way to pay for my home or cars.  No disability insurance, and no way to come up with any quick money to suffice the hospital in putting me on the transplant list.  In order to be admitted you have to have the financial backing for the year to cover your medical cost of surgery and the price of the pills that you have to take in order to survive the daily threat of dying.  I was in a pickle!!

I called my employer and told them I could not fulfill my job function anymore since I was dying and they would have to find someone else cause I did not know what was to become of me.  My wife and I prayed and cried together and she was devastated that I was going to die.  “Not much I can do about that” I told her.  It’s all in God’s hand now but I am ready to face my fate.  The following day I got a call from my employer office and they asked me If they could do something for me.  I told the sure.  Two days later my office VP came to visit me and present me with a termination letter that I had to sign.  With my resignation they offered me a severance package which I was surprised in that they paid for my health insurance for a year so that I could get on the transplant list.  WOW!!!  This was unexpected as I only worked for them for a week.  Who would have done this for you?  I cried like a baby and could not control my tears.  God works in mysterious ways I thought, and this provided me with the testing to continue so I could get on the transplant list.

I still knew I would not be able to afford my home or pay my bills but I was not worried about those as much as I thought about how my wife would be taken care of.  I knew I had a Life insurance policy  and if I died she would be okay to pay for the house and have some money for at least a year. (not very good planning cause I never thought it would happen to me!!).  All my children were grown up and had their lives to live so I was okay there I thought.  However I would never see grandchildren like my father never did also.

My mind was racing away between test and being put to sleep for some of them but my body was getting bigger by the day and eventually I could not breath.  They took me out to get liquid removed from my abdomen.  4 litre each day was removed for the next 4 days.  My body was so blotted that blood vessels from my lungs were finding their way to my nose and esophagus and causing me to bleed internally.  This was the worst feeling I ever had and there was nothing I could do about it.  My legs were blotted where I could not put any shoes on not even sandals.  My body was shutting down.  Doctors gave me thirty days to live and I can tell you now I knew I would be close to death if I did not get help.

my room was always full of doctors every morning which I was grateful for the care they showed cause they were looking at everything and doing everything to keep me alive. After the first week of being in the hospital I was almost ready to be placed on the transplant list but there were three test that needed to be completed for the second week.  The days seem to go by fast as I was always being asked to do more test.  We had social workers, financial workers, dietitians, physical care assistants, nurses, nurses assistants, religious clergy, and volunteer come to see me.  I felt very humble knowing that many people cared about me and the prayer groups my mother, mother in law, friends and coworkers had for me I know helped a lot in directing the Lord to look over me.  As my visitors would come to see me all I could was smile and make them feel at home.  I like to tell stories and get my audience involved.  Just like I have you now!!  Want to know more?

I am a simple man which God gave a gift to share with others and am finally now understanding what he wants me to do and teach.  You see we all need help now and then and we need something to push us forward to do what you were designed to do in your life.  I have been in the Information Technology field for the past 30 years and have always worked my 80 hr. weeks.  (as many of us do!!) for a 40 hr. pay.  Apart from that 2 hrs. to work each day and that is on a good day!!  I spent more time in my car than with my wife and children.  I love to teach and help others achieve their goals.  So this lying in bed for two weeks was already getting to me.  yet I was being shown to listen and learn who I was.  I never thought of me!!  Who was I and why was I in this pickle?

I looked back at the past and tried to understand how I did not see the signs.  You see I am 6’2″ and weighed 300 lbs. and always thought I was just fat due to my good eating habits.  However when I started to think of my dinner portions for the past year I ate very little but gained weight.  I did not realize that these were signs of something going wrong in my body (liquid retention).  Going to the bathroom 5 times a night for the past month seem normal since I get up early anyway to go to work but I also went to frequent to urinate while at work also.  I just did not put the puzzle together till it was too late.  For those of you who procrastinate about your health “DONT” wait to be told!  Remember what you drink must come out.  If you think you have a problem measure what you drink in a day and see if your body removes it at the end of the day.  Measure it!!  If your body retains more and you can’t get rid of it then you have something wrong.

My test were all completed and I was finally placed on the transplant list with a MELD score of 44.  The top of the MELD score is 40 which means you’re in the 75% mortality range unless you get help.  OOPS!!  I guess I was in the 90%?  The next problem was trying to find a donor that would match my rare blood type.  This was one that only God again could provide.  There was no way this could happen for me since I just got on the transplant list and  there were many others in front of me.  I was grateful to be on the list but I really thought it was a long shot since I had heard there were many people on the waiting list.  Two days later a match was found and I was operated right after Thanksgiving!!  A miracle for me but I was really feeling guilty that someone had to die to give me a chance to live again.  This has been on my mind and I honor that person who gave me life again.  I wish I knew who this person was or their family but I have not heard back from the letter I sent out to the family thanking them for giving me life.  I am forever in their debt and to the person who gave me a second chance at life.

I had a terrible reaction to the major surgery as I was engulfed by a light followed by darkness and an abyss.  I knew I died on the operating table.  The feeling was horrific.  While the doctors were working away doing their thing, my body was placed on hold while they cut out my liver and was on life support systems while they placed the donor organ in me.  In another blog I will describe these nightmares and places I was at which to my surprise I would never have dreamt this strange places I was at and who I was with.

The next four days I was in recovery ICU and was returned to surgery room due to issues and they had to open me back up to fix me up again.  Wow!! I am glad I never woke up until several days later from my coma.  not knowing where I was or how long I was under I was totally incoherent and did not know anything or could not say anything.  My voice was gone! I could barely open my eyes.  My eyes were failing me and I could not stay focus for any length of time.  My wife would visit me when she was allowed and when she could be with me was there every step of the way and I was grateful for that.  I am beginning to understand how important having good relationships are with everyone now and not be a hermit like I normally was.  I have family members but we were never raised to be close to each other.  I guess you can say we were given so much freedom while we were young that we developed our mentality that we only needed ourselves in life and no one else.  Wrong!!! We need each other more as we grow older and need to look after each other.  What a weirdo I was!! I never placed family values above my own.  What a jerk! I thought to myself.  I had to change this and now I have been given that second chance.  Broke but now I know I have to redeem me to all my family.  A work in progress that will take the rest of my second life!

There is more to this story but will add another blog when I have more time to write.  Let me know if you read this and what if anything you want to know about after surgery and what I went through with the State, Federal and local help.  I can only say I wish I was working again but I am not.  No one will hire someone knowing you have a disability.  I have been turned down several times but I keep trying and one day I hope to get back to work or open my own business.

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An India Dream

Not that I travel a lot and where this dream came from I have no idea.  I found myself in India and was walking through a crowd when I came across a young girl who looked at me with huge deep dark eyes and left me with a sense that I knew her.  I walked up and asked her if I did but she just looked down to the ground and told me she was scared and was in need.  I offered to help and found she was a very prominent person who was famous for her beauty and was in hiding because she was one of the Kings daughters and a wicked old man who was employed by the King was trying to keep her for his own but because she was to do what he commanded.  She was afraid that she would not be allowed to do what she wanted and therefore took it upon herself to leave and hide.  This was not a story book story but I remember seeing her picture in a magazine that my sister had because she was in modeling and it was one that was shown time and time again because of the captured beauty that everyone enjoyed looking at including me! 

Being the person I was I decided to help and see what I could do to get her out of her country and into the States where she could grow and follow her career.  After several attempts I finally found a few individuals who would help me figure out how to get her out of the hands of trouble and free her from their fathers grasp as well so that she did not have to come home.  It was a plan to make sure that no one would dare go against the king to allow his daughter to follow her destiny.  In the end I was able to find a way to get her out of there and she was finally free to follow her heart!  I remember how beautiful her eyes were and mesmerized by her beauty. However I knew I could only help and keep my thoughts to myself for I knew I could only be a good friend to her.

I finally woke up but still have her picture in my mind and will someday find her in real I think! However it may not be anytime soon that I will be in India!

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Christmas Opportunities from The Spirit Within and Above

This Holiday season was one where I will not be with my family and was thinking of what I should do with my time.  Lack of funds to travel will put a damp feeling in ones mind when they cannot partake in a memory that one should share with loved ones or at least those that are close to you.  But Alas, this is not happening and so I am wondering where and what to do this holiday season.

Of the many thoughts that crossed my mind was to volunteer my services to a shelter but being so close to the season some shelters have more volunteers than any other season so sometimes you may just get in the way of those season beings who are there constantly year long.  In any case I will still go and volunteer my time and see what happens.  I will report my findings here in the next blog post.  I have a job so I work most of the time during the day but send my money to keep the family going where they are at.  It’s the least I can do to help them out for the year.  In the meantime I feel as if I am in a place where many find themselves alone for the holidays but I am not sad as I know I can do much on my own but would rather do this with a group of people or others that have the same problem I do.  Well, its not a problem because if I really wanted to I know I could thumb a ride down for a journey half way across America to see the family but I would not be able to make it back over a weekend! LOL! So here I am working to solve problems for others and working to keep a job.  Don’t get me wrong I love what I do and would do it all over again.  It’s the circumstances that we get into that causes the problem of working away from home. 

Eventually this will pass so I take this as a time for reflection on my part and try to understand what opportunity the Lord has provided me with while I am here.  Am I being tested for my character?  Or am I suppose to meet others that will guide me to a better understanding of my character and well being?  I have more questions than answers but one thing for sure I know he is providing me with a lesson I have to learn and not think of this as my time alone!  I was born to be his vessel and I am here to do his will.  I always think I am doing good but sometimes I can see this is not the case. 

Will this last a lifetime or will this be a short term experience?  Who knows what Life will bring but I bet it would be a blessing.  I just have to understand what I am suppose to do. 

Not long ago I saw Evan Almighty and though it was a funny movie it did bring out one important fact about family that I want to share with you as well as with others who do not have a family but the concept was something that sparked a feeling that I should write these thoughts of mine before I forget them.  I may from time to time add more and change the passages here to include other stories I find myself being in front of on in. 

If you have not watch the movie then its okay.  I found what I was looking for on YouTube and put the shortcut to the scene where God “Morgan Freeman” talks with the wife about Opportunity and how we should look at life.  Not as a problem or to shy away from an issue but to embrace it and see the opportunity to show what you ask for.

I often pray for God to show me the way and to enlighten my thoughts with something I should be doing and here I am enlarging my territory and providing feedback on the internet for others to read.  Yet I am not sure if anyone will read this but then again you might.

I hope you are looking to improve your life through the little things one does and that is to be open minded about others thoughts as well as understand what you ask for may come as an opportunity that knocks at your door.  How you decide to handle it will definitely be a response to your request.

And God answers your request!! One way or another and it may not be what you think so don’t be fooled into thinking you have a solution just because you make it happen.  Let the doors swing open for you to walk in and see the miracle of life begin to work in your life!

Have a Happy Holiday and Merry Xmas

From the spirit of God that guides me to write this message to you!

Christmas is all about giving so give to someone without recompense and don’t tell anyone !  this is what the Lord will tell you!

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Realizing the Path of to Heaven

In all my travels and exploits, which one day I will write a book about if not here, I have wondered and pondered of the reason for blessings.  Although we sometimes thinks of blessings as good things they can also be bad however we should not lose site of the fact that if you had a bad experience that provides you with a lesson it is good to understand you have a purpose for correcting the task. 

Some are easy to correct while others take years in the delivery.  Yet we are always faced with decisions along the path to nirvana.  My responsibility is to my Faith, family and friends.  And with this I leave you with this thought.  Have you told your self that you have been blessed?  and that you are in the wing of something bigger than you?  If we do just a bit of meditation we would find that our life is simpler and our tasks are fun.  What we hope to accomplish is in the wing of our endeavor to become great.

Live your dreams and ponder on the unknown and to how we can make it simple.  Learn from others so that you can shine in your life as a beacon to others.

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Difference between Want and Have

There is a big difference between those that “want” and “have”.  those of us that want a job don’t have the opportunity get one!  Those of us the have a job don’t want it!

So the moral of this proverb is Have less and be happy than those who want more and have less!

Well maybe it might be different in your case but I was just thinking about this when I was walking down the road minding my own business and was approached by two angels!  One asked me for bus fair since he was so far away from his home!  (imagine that!) and the other needed bus fare to get home.  Neither one of them looked any different but I gave them both what I had in my pocket and continued to walk and realized that I have less now and fell better and those that want more have what they need just to get home!

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Mother’s Day Gift from her Son!

Not trying to be greedy but sometime I wish I had the luck my mother has!!


Well I was going to go to the casino the other night but decided that I should just give my mom a few hundred and send her instead to have some fun and stay overnight at Lau Berge Du Lac in New Orleans.  Needless to say she had a great time and won 1200 in the penny slots.

She then went to another penny slot and won 82150 and she is still winning today!

What luck!


Another 500.00!!


Another 400


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