Cathartic reflections on an anxiety riddled 7-months

I wrote what’s below at 10:00 pm on day-2 of our recent beach vacation (also 2 days after completing the acquisition of MFD). I went back-and-forth on whether or not to publish this article. Perhaps it would be best served as just a personal exercise for me getting some of these thoughts out of my head and onto the page, but… Anxiety has been something I’ve dealt with indirectly for a decent amount of time, and although this was my first real bout, many people we know have gone toe-to-toe with the anxiety foe at one time or another. If you can relate, maybe this will speak to you. If not, I’ll be back to the financial posts and uplifting (attempting) humorous posts next week. As always, thanks for being here!   -Mike   (ps- it takes a couple paragraphs for me to find some traction. Bear with me)   […]

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Burning, shredding, and other ways we throw away credit card rewards points

As of this writing, credit card rewards are a tax-free kick back from various credit card companies for using their services. The various credit card companies offer rewards incentives in an effort to bring you under their umbrella, put their card in your hands, and thus have you spend cash using their services.   They have the ability to make money a few different ways:   Annual fees, Interest they charge you if your balance is not paid in full at the end of each month, and Merchant fees (we’ve seen this one as business owners).   If you’re not familiar with merchant fees –   every time you swipe your card, the store owner is charged a negotiated percentage by both the credit card company the customer is using and the credit card machine company the store owner is using. This is sometimes why certain stores only take certain types […]

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Why aggressively paying down debt can be a bad thing

It’s all the craze these days – “Eliminate debt!” But we don’t stop there. We’ll continue – “…ASAP!!!”   I know, I know. I’ve even written articles about that very topic. I’ve discussed the ridiculousness of interest and how the borrower is a slave to the lender, yadda-yadda. About how you have more freedom without the noose of debt around your neck… I hear ya.   But have we stopped a minute to consider the alternatives?   Or at least some of the consequences that come along with dropping everything to pay down debt? Monica and I hadn’t. “What in the world could be a negative consequence to aggressively pay down debt, if you can afford it?” This was our logical thought process.   One day we realized this may have been maybe the 5th worst financial decision we had made to this point (after investment choices during the GR (Great Recession), […]

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19 Breakthrough ways proven to increase testosterone naturally (guest blogger – Paul)

Hi, Team! I am thrilled to bring you the below article and infographic from Paul over at DNA lean! Last time, Paul covered different methods to help boost your weight-loss, but today he’s tackling the all-important testosterone levels. If you’re missing a little of the old spark, or if you’re just gathering some info for future days… Paul has you covered. I enjoyed having him back on the site and I hope you will too! Thanks for reading! -Mike   How to increase testosterone Testosterone is the hormone that literally separates the men from the boys, in fact during puberty, it is the increase in the hormone testosterone that is largely responsible for the transition of a boy into a man. Science has demonstrated that a high testosterone level can boost athletic performance, increase muscle mass/muscle tone, heighten libido and confidence amongst other desirable benefits. It is therefore of no coincidence […]

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Summer break 2017 – weekly posts will be back August 8

Hi, Team!!   A lot has been happening lately and with that, I’m taking a few weeks off to focus more on the following: Our new dental practice – Monfredi Family Dental – had it’s Grand Opening yesterday (Monday, July 10), and I’ll be at the practice all week getting things in place and making sure the transition is as smooth as possible. (I’m 100% stoked to only have 1 job this week!!). It’s been great to see this dream come true for Monica and me after working so hard to make it happen. Thanks to all of you for the kind words and support along the way! We just got back from our (hopefully first) summer vacation, and although I took the computer – I wrote 7 words while I was away… It was a title for the post I’m writing next (that was as far as I got […]

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Well… We bought a dental practice!!! (“The Project”)

You may be thinking to yourself, “Wait. He’s not a dentist…?”   Correct you are. My wife, on the other hand – 100% Doctor of Dental Surgery (DDS).   I’m writing this article in June of 2017, and as we near our closing date (June 30, 2017) on “the practice” (hereinafter referred to as Monfredi Family Dental – I’ve read so many documents written by lawyers lately…), I cannot wait to share much of what we’ve been through in the past 7-ish months (we started the process for buying this practice in December 2016).   I’ve heard some people that I have great respect for say recently, “…Getting an MBA can be a huge waste of time and money. You should just start a business. At least that way you have a chance to make your money back…”   Well. We indirectly took them up on that offer.   And, although […]

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Freedom from slavery… to a brand (guest blogger – Barb (Mother-in-law))

Hi, Team! Yes, you read this correctly – my Mother-in-law (of early morning cleaning, breast pump preparing, and now freedom from slavery advocating fame) is here with her eye-opening take on how to step outside of your comfort zone and cut your grocery spending by a third!! I’ll be honest, this article blew me away. It’s on point with a great message, well written, and entertaining… And I’m not just saying that because she’s my mother-in-law. Let me get out of her way… Take it away Barb…   Hi, friends! I want to thank Mike for allowing me to be a guest blogger on “MikedUp Blog” to share with so many my journey from slavery to freedom.   The journey began unexpectedly on a visit to my youngest daughter’s home.   She and her husband and 8-month-old son had just moved into a new apartment. I visited her for a […]

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Don’t decide to lose 60lbs – decide to pack your workout clothes

First off – I understand that I can be crazy, but please understand that I have my reasons. I don’t do crazy for crazy’s sake. I do crazy (at times) because that’s what moves me toward my goals.     A few weeks ago, I was walking out of the bathroom at work when a coworker spotted me. It must’ve been quite a site. Those of you that workout know that feeling that takes place shortly after a good run. You’ve already taken a cold shower with hopes the sweating will die down, but it doesn’t. So now you have the awkward combination of wet shower hair and sweat beads on your forehead. Let’s not omit the towel around my shoulders, the untucked Polo shirt, and bare feet… (I had forgotten my work shoes at my desk and was hoping no one would spot me – miss. And yes, we […]

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How to manage your own (basic) retirement plan

You may be thinking, 1) “But Mike… my employer does that. Why would I need to manage my own retirement plan?”   Or, 2) “Retirement…? That’s about 40 years away. Why would I bother with that now?”   Or, (and this is the one I’ve heard most recently) 3) “Mike – I know that I need to be saving for retirement but I don’t know what to do?!?! Can you help?”   My responses, respectively:   1) What happens when you no longer work for your employer or decide your employer does a bad job of managing your retirement plan (you’ll be rolling over into an IRA, or something similar – Individual Retirement Account — Keyword: Individual)?   2) Come on man – the data show you need to get on it. There is no replacement for time, even if the investment is small. See this article for details.   3) […]

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Mailbag – should I invest or pay off debt?

  I received an email the other day that both I and the sender thought other’s may enjoy reading about.      First the question:       So I have between 25k and 30k in student loan debt at 5.75% interest (I thought I was below 5 until I just double checked) on a very long payment plan (I’m paying like 250 a month).   About a year ago as an experiment I put $5600 into the stock market split between 3 ETFs.  In that year or so I have a total gain of 11.57% on that money.   With this said for future money I am saving per paycheck do you think it is better to try and aggressively pay off my student loan… or continue investing in the stock market since so far I seem to be earning almost double the interest rate on my loan? -Archer […]

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