Has your Atlas shrugged? Review of Upper Cervical Hawaii

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Aunty read Ayn Rand’s book “Atlas Shrugged” way back in high school.  I was reminded of this, not because of politics or literature, but because I learned that we have an Atlas bone!  It is like a plate that holds our head in place, kinda like Atlas holding the world on his shoulders.  It is also and more commonly known as our upper cervical.

Cousin Teresa let me in on a fantastic lead – Dr. Joe Breuwet at Upper Cervical Hawaii.  Dr Breuwet adjusted her upper cervical.  Teresa has had some incredible results – better hearing, better posture, and an unexpected bonus, weight loss of 2 pounds per month for the last year and a half!

Since Aunty has had chronic neck pain and shoulder pain for most of her adult life (that’s a long time), and tinnitis (like ringing crickets) in her right ear for about 5 years, a visit to see Dr. Breuwet sounded like a good idea.

The first visit was purely information gathering and giving.  An explanation about the upper cervical, spine, posture, etc. was interesting – a cross between Chinese meridians and a spinal anatomy lesson.  Aunty’s measurements were taken – not standard height and weight, but horizontal evenness of hip and shoulders as well as length of legs in proportion to each other.

Hmmm.  Aunty was only off by 1/4″ between right and left shoulders and right and left hip, as well as only 1/4″ shorter on the left leg.  Not bad, maybe?  However, the weight between the left side and the right side of Aunty’s body (stood with one foot on one scale and the other on another) was a rather big 18 pounds!

Okay, maybe I was now ready to admit that I could be crooked and an adjustment might do me some good.  Several x-rays were taken.  I’m not a big fan of x-rays because supposedly the radiation never leaves the body or some such stuff, but for this treatment, x-rays are the order of the day.  No adjustments were made, and a follow up appointment with adjustments was made for the following week.

Appointment #1

On the day of adjustment, Aunty was really feeling like her neck and shoulders were exceedingly tight and sore and looking forward to seeing what an upper cervical adjustment would be like.  I was given a card of “Misalignment Factors” with numbers corresponding  to my L(eft) or R(ight) atlas laterality, lower angle, frontal plane, atlas rotation, axis rotation, short leg L, and phase of degeneration at 2 (out of 3).  I could check on what my numbers represented online at Dr. Breuwet’s patient website as well as see what the correction corrects. [It is a very cool tool showing exactly what happens with an adjustment.  Go to www.chirocorrection.com/uppercervicalhawaii, click on “enter” and then choose “no I’m a visitor”.  You will get an idea of what happens with the adjustment if you play with the boxes on the bottom (body, head, spine, etc.) and see the difference before adjustment and with adjustment.]

Aunty lay sideways on a little adjustment table and Dr. Breuwet made little pushes that felt rather wimpy to the area a little below and to the back of my left ear.  And that was it.  Really?  That’s all?  Aunty was hoping for a hallelujah cracking of the neck and a stretch and pull and shake rattle and roll!  To tell the truth, after that adjustment, I didn’t know what I felt, and the next step was to get more x-rays done of my corrected upper cervical.  I was then taken to a side room to lie down in the semi-darkness on super comfortable lounge chairs with soft hippy music until I was called out.

I still wasn’t sure if I felt better.  I still had some ringing in my left ear but the sound is always much greater in the evening when it is quiet versus during the day when there is so much ambient noise.  I left after some brief instructions about how to sleep and dos and don’ts about my computer posture. I felt taller.

Aunty went home and started doing her computer work (Aunty does a LOT of computer work) with her usual improper neck and body posture due to having a lap top on a standard desk and a dinky chair.  After about 2 hours of sitting that way, Aunty looked up and felt a very audible “POP!” – almost like a crack below the ear.  Then, all of a sudden, the ringing got loud (maybe louder?) and Aunty’s neck felt like it was caught in a very painful vise grip, which cause my shoulders to also become painful.

Pain is a funny thing.  You really notice it when you have it, and you really don’t notice it when it has subsided.  I had not noticed the absence of pain until after the “POP!” which brought on the pain that was absent earlier.

Aunty could have called and gotten a corrective adjustment but instead waited until her next appointment in 4 days. Meanwhile, the pain on my neck and shoulders had subsided but was still present. The ringing in my ears was still very loud.

Appointment #2

On Monday, Dr. Breuwet measured my leg lengths and said, Yup, the upper cervical went back to the original and that usually people’s initial adjustments last for at least a day to 4 days instead of a few hours.  He also said that I should have called the next day to be scheduled in earlier.  He did the same wimpy gentle adjustment, Aunty rested for 10 minutes on the soft comfy chairs, and felt a slight difference. For one thing, the tinnitis was less loud. I had a slight woozy feeling, not quite vertigo.

The following day, I had a headache – which is unusual for me. I took a couple of capsules of Nattokinese (see post on Natto) because that is what Aunty does when she has a headache.  Aunty’s theory is that if the headache is caused by blockages in the veins or arteries, natto will clear it away.  Perhaps having an adjustment on my upper cervical releases stuff, causing headaches that may be due to blockage.  In any case, it doesn’t hurt and taking Nattokinese and having a short nap does wonders towards dispelling Aunty’s headaches.

The neck and shoulder pain were ….. hard to describe.  Like it was there but not there.  I felt the same, yet different.  Because the adjustment is so gentle, it is hard to say if it was really making a difference.

On Wednesday, Aunty had a nice long wonderful massage at Hikari Shiatsu by Dick Murakami, and he thought that upper cervical adjustments were potentially awesome – the principle and practice of it could account for a lot of people’s problems.  I was looking forward to the next adjustment, which was to happen the following day.

Adjustment #3

Yup, Aunty was off again – they first thing one does is lie flat on the table, draw up the knees, lift the butt, and then stretch out the legs.  By looking at the feet being in or out of alignment with each other, Dr. Breuwet can tell if it went out of kilter.

Again, the very gentle wimpy pressure behind and below Aunty’s ear area, then up slowly, and a trip to the hippy music room of semi-dark to lounge on the big comfy reclining chairs.  Again, a slight headache, though I do think the ringing in my ears are slightly less loud.

Aunty got a riser for her laptop and an external keyboard for the computer table so ergonomically the eyes are looking straight at the computer screen and the hands are at the right angle for computering.  This should help except it feels strange having my head facing straight rather than down, and it also feels like I have more stress on my neck and shoulders because I am being so careful about not knocking it out of the position it was adjusted to.

I am keeping my head still so that it doesn’t go out of whack again – and I betcha it has.  35+ years of the upper cervical being slightly off means 35+ years of muscle memory that needs to be trained.  However, the effort is making my head feel heavier.  I better ask Doc about that the next time I see him.  I also had an intense pain on my lower right cheek when I touched it.  It lasted for about 2 days, and then it went away.  What was that about?  Gotta ask Doc.

Adjustment #4

Aunty wasn’t as out of whack as before!  Only a little out of whack, and Dr. Breuwet did the same gentle wimpy touches behind my left ear and measured leg length to make sure he adjusted me just right.  He said not to baby my head and neck – with each adjustment to the proper position, the muscle memory will become righter and righter (forgive Aunty’s grammar).

I asked about that intense pain on my cheek – I had remembered that I was hit with a hard object at that point 32 years ago.  He said that with adjustments, people sometimes experience re-tracings – old stuff comes back.  Stuff from before that the body compensated for.  Headaches also can occur (Aunty does have more headaches now) and they go away.

The saga continues.  Aunty’s head feels a bit like a bowling ball.  A heavy bowling ball.  My neck’s range of motion is greater without pain.  Shoulders are still stiff, ears still have tinnitis.  In fact, the ringing in my ears sometimes sounds like stereo – not just from my left ear, but in the whole head.  And not all the time, but once in awhile, the sound would just jump into concert mode.  Maybe that is good?  We’ll see.

So far, the best bonus has been the new set up for my workspace with the laptop screen at eye level, and a new keyboard with numeric pad below.

Adjustment #5

Aunty’s leg lengths and her hips were even!  What that meant was that the last adjustment was holding – even though Aunty’s head still felt like a bowling ball.  Dr. Breuwet said I didn’t have to consciously keep my head in place, I could do my favorite neck rolls in moderation – hurray!  Now Aunty can feel like relaxing a bit more.

This time, a few adjustments on the lower back and pelvis – similar, but much more gentle than chiropractic adjustments I have had in the distant past from crunch, crack traditional chiropractors.  And this time, since Aunty didn’t need any upper cervical adjustment, I could bypass the resting period on the comfy chairs in the dim room with hippy music.

A young muscular man and his wife in the waiting area asked me how long I had been getting adjusted, and if it worked.  I answered, “Not long, and not sure.”  As Aunty walked out of the office, another woman came out and as we rode down in the elevator together, I asked her the same thing, “How long, and did it work?”  For her, it was 6 months, and her shooting pain from an accident was relieved after suffering through other therapies for a year.

The crickets stereo in my ears are still singing.  Something of a different pitch though.  Hard to explain.

*Hoboy, Aunty went out of alignment yesterday.  I could tell because my head now feels like it is crooked, and my neck and shoulder pain have returned – I had forgotten how it felt since it was actually gone (the absence of pain is not felt).  Tonight, my left upper arm is feeling very sore – as if I had carried something too heavy.  I am REALLY looking forward to tomorrow’s adjustment.  **When I awoke this morning, the intense neck and shoulder pain have subsided, and the upper left arm soreness is much less.  Seems like pain comes back intensely for about a day when it goes out of whack, and then moderates to slight pain.  Will ask Doc.

Adjustment #6

Doc said I was a bit off and did adjustments – actually he did several pushes (still very gentle pushes), more than normal – after which Aunty went into the comfy chair room with hippy music for a 10 minute rest.  Since my adjustments seem to be holding for 6 days, having 2 adjustments per week is a bit too many, but since I was already scheduled for 2 a week, I will be seeing Doc in a couple of days – and the upper cervical should be in the corrected position, for at least another few more days.  What this gives Aunty is the opportunity to do more with her neck, head and body with less fear of having it out of whack with a long wait before the next correction appointment.

Asking Doc (notice I call him “Doc” now – getting friendly I suppose) about the intense pain that subsided the next day didn’t produce much conversation, more of a “hmmm” since I also mentioned how Uncle didn’t think much of this therapy in the next breath.  [note to Aunty:  sometimes some things are best left unsaid.]

So, anyways, Aunty’s head feels less like a bowling ball, I think I am getting used to this slightly different feeling!  Also, the ringing in my ears have become stereophonic again.  Neck and shoulders feel pretty good, with the neck feeling a bit stiff.

I did a lot of neck rolls and stretches tonight and am wondering if I did some misalignment.  My left arm feels so heavy and weak – as if I had bowled 4 games.  Interesting.

Adjustment #7

I think that I did a bit too many neck rolls, because Doc had to do his gentle pushes on Aunty’s upper cervical to get her into alignment again.  I asked if my heavy sore left arm could also be a re-tracing of a past injury, and he said it could be.  A lot of stuff is brought back out to the surface before it can go away.

I asked why my neck doesn’t crack as many times as it used to (Aunty’s neck would crackle pop crackle like popcorn popping before) and Doc said those cracks were caused by spaces between the discs, and now that Aunty’s neck is getting more into alignment, the spaces are also getting addresses and corrected.  I kind of miss those crackling cracks, but it also feels like Aunty’s neck is much looser, less tight, and Aunty’s head feels lighter and sitting in a good spot.  Tinnitis is still there, but a higher pitch coming from a bit higher than the left ear.  Shoulders actually feel good!  They only hurt if pressure is pushed onto them, like in shiatsu massage.

Went to a meeting last night and sat on the far right which caused Aunty’s neck to be fixed in a left turn face to the stage.  Shoulders and neck quite sore.  Can’t wait for the adjustment coming up the next day.

Adjustment #8

Indeed, Aunty was a bit out of alignment, and Doc adjusted.  I can tell when I go out – a feeling like my shoulders are being gripped or my neck feeling very tight.  A bit of adjustment was also done to my lower body.  My head feels less like a bowling ball – more like I have a lighter head that wants to find its proper sitting place.

Adjustment #9

Slightly off again – I could feel a “crack” when I was in the shower and shampooing my hair after a very tiring garage sale on the weekend.  I thought that I would be way off, but Doc said it was just a little.  Am glad for that – seems as if it is wanting to really hold in place.

This has been week 4 and I still have ringing in my left ear, but it sometimes also feels like the crickets are ringing in my whole head.  There is a blissful no-pain zone on my shoulders.  My neck still feels a bit stiff – it may never feel 100% wonderful because of what my x-rays showed – years of being out of whack with my neck bones stuck in place have caused some spurs.  At least this therapy will prevent further deterioration and discomfort.

 Adjustment #10

After the bent legs, butt up, legs out check, Doc said I was holding the adjustment!  That was a bit surprising, but good to know.  Just a bit of pelvic adjustment and Aunty was out the door.  Aunty kind of misses all the cracks and crackles that her neck used to make when doing rotations, but it is a good result – something about the gaps from being out of alignment causing the noise not being good.

Aunty is at a 2 day seminar and not looking forward to the stiffness of neck and shoulders that I usually get at these intensive learning sessions, so we’ll see how it goes after this weekend.

Adjustment #11

Doc said that I was only slightly out.  It is actually not how much off my atlas alignment is – it is how much and how long my body is compensating for it going out of alignment.  After a few gentle tweaks, Aunty was now ready to graduate to the next step – once a week rather than twice a week adjustments.  That will be good, although Aunty always looked forward to the visits and has been very lucky each time in finding parking on the street, or at Don Quijote’s lot if necessary.

I still have the ringing in my left ear, but rather than 1 big cricket chirping, it sounds like 2 or 3 littler crickets chirping together.  Interesting.

Day 2 after adjustment #11 – a very interesting experience for Aunty.  See Aunty can’t look up for any length of time, so painting the ceiling or changing a light bulb is very very tricky for me – it would feel as if my neck is broken and then become painful with stiff aching shoulders for days.  It used to feel like my head had toppled off my shoulders, like a puppet head on a string.  However, on this day, Aunty had to paint a shower ceiling as well as the edges around it, and a corner curio unit which had 3 levels, and so it entailed looking up with head turned.  These tasks were done – took Aunty all afternoon to finish painting (Aunty is a slow painter), and other than a slight “Crick!” in the neck a couple of times, Aunty was fine!  Hmmm.  That’s very good!  Very good indeed!  Except – I won’t tell Uncle otherwise he will be less helpful about changing light fixtures and painting rooms if he knows that I can do it now.

Adjustment #12

This has been the longest period of time between adjustments – 7 days.  After the painting on the ceiling and not suffering extreme neck pain for days, this adjustment was very much looked forward to.  Aunty also was doing a lot of lifting and carrying, and neck and shoulders are a bit tight feeling today.

Subsequent adjustments

Because Aunty would still go out of alignment every week, Doc did more x-rays to fine tune and change the adjustment.  Since then, Aunty has had the alignment hold for longer than a week, and will soon be going on a schedule of once every 2 weeks!  The new adjustment has brought on neck and shoulder pain again, which may be a retracing.  One huge difference is that Aunty can bend her head back, looking at the night sky or while shampooing her hair in the shower without the normal pain of her arms and neck.  The saga continues, and for the better!

 Halfway there

Me thinks Aunty is not a good subject because of bad habits.  Doc would tell me to limit my computer use, or sit properly, take breaks, stand half the time with a different set up, make sure my back is straight in the chair, etc.  Well, Aunty would have fanatically long periods of time on Fridays playing Candy Crush Saga, and lately Aunty’s upper cervical adjustments were on Friday.  This would result in feeling good right after Doc adjusted me, getting on the computer and clearing candies and jellies from the board for hours, and then feeling terribly sore and achy on the neck and shoulders.

As a result, Aunty will do the marathon playing of Candy Crush Saga on Thursdays, and go for adjustments on Friday.  Hopefully this works and the adjustments will last because of good behavior during the week for the first 6 days after seeing Doc.

Constantly needing tweaking

I almost feel sorry for Doc, but my upper cervical still needs adjustments every week and the old neck and shoulder pain has returned, although not as intense as before.  Sitting on the dentist chair for a couple of hours last week didn’t help, and my next appointment has been scheduled for the day after my crown replacement.

Aunty has also been under a lot of stress lately, and a much needed massage (wonderful deep shiatsu by Dick Murakami of Hikari Shiatsu 955-5125) with emphasis on neck and shoulders is happening tomorrow.  Blissful gentle pain.  Yum!

At the Senior Fair to help

Aunty went to help at Doc’s booth at Hawaii’s Senior Fair.  It was very interesting and fun to talk to people in line waiting to be scanned.  Every one had different readings.   One that stands out in my memory is an attractive woman, probably Aunty’s age, who was born with one side of her neck muscles too short, and the other was long.  She was born in Malaysia and never treated for her condition because of poverty.  As a result, her head was always tilted to the side, and she grew up with ridicule and cruelty.  She wore a little visor hat and it was not evident at first, but as Aunty listened and looked, the location of the woman’s eyes had evolved to be parallel with her shoulders – one closer to her cheek, the other closer to her forehead.

The wonder of human adaptation to whatever life throws at us!  I am not sure if she made an appointment to see Doc Breuwet, because having that condition for that many years is not fixable, but it would be an interesting case for him.  If only, if only, she had been treated with the good hands of someone like Doc when she was first born.

Long story short

This post started as a review of Doc Breuwet and the treatment received at Upper Cervical Hawaii.  Over 7 months have gone by, and Aunty was unable to see Doc for any adjustment for the last 2 months (because Uncle had some health issues and Aunty was being Nurse Ratched).

During these last 2 months, Aunty’s neck, shoulder, and head have been feeling “normal” – even after helping to paint one of the ceilings in our home.  After weeks of being Uncle’s nurse and dealing with the stress of being a full time caregiver, excruciating pain in neck and shoulders occurred, and an appointment was made for an adjustment a few days later.

By the time of the appointment, Aunty’s neck and shoulders were only slightly painful, and surprisingly, Aunty’s Atlas was only slightly out of adjustment!

So, although Aunty’s results have not been dramatically life changing, Aunty does believe that Upper Cervical Hawaii has helped get her head on straight.  Less pain and tightness in neck and shoulder, with occasional reoccurance of extreme pain, and slightly quieter tinnitis – ringing in Aunty’s left ear.  Years of poor posture and work habits have resulted in damage that cannot be reversed, but can at least be halted and relieved to a certain degree.

The last scan and diagnosis will be interesting.

 

Recommended!

Aunty would recommend this treatment – especially if people suffer from chronic headaches or pains from an accident or fall.

The downside is that most medical insurance companies do not cover most “alternative” therapies, and the full cost of the treatment is on the patient.  Unfortunate, and hopefully that will change in the future.

Get your Atlas straightened up in order to get your head on straight, and get relief!

 

 

Jalna’s sister’s mother-in-law’s Easy mochi recipe

2013-06-07_09-30-31Here is a link to Jalna’s blog post for easy microwave mochi.  Her blog posts are always so wonderfully shot, and her recipes are pretty awesome!

The recipe is:

Microwave 3/4 cup water, 1/4 cup sugar, and 1 tsp oil in plastic bowl for 2 minutes.

Add 3/4 cup mochiko; stir with plastic spoon until all combined (less than 30 seconds)

Microwave for 20 seconds.

Stir and pour on Saran wrap.  Prepare as desired (fill with an, peanut butter, etc. or flat cut and plain).

Hawaii, through a very local lens

2013-07-28_13-36-09Pal Fay has a pal Jalna who is a photographer of everything.  When I just want to enjoy something for the sheer pleasure of enjoying and taking a break, I take a look at Jalna.blogspot.com and it transports me to the true localness of Hawaii, beautifully.

Her photographs are so well done, they are delicious and habit forming.  They are also bad for my compulsive collection behavior, as Jalna and her sisters go to the swap meet and pick up treasures that I start to think that I need to have too!  As a result, I started buying marbles after an especially detailed and wonderful posting of Jalna’s marbles that had names like Superman, Corkscrew, Popeye, and more .

Aunty's eBay purchase of Sally Hansen's polish. I was gonna include the marbles I bought too, but I lost them.........

Aunty’s eBay purchase of Sally Hansen’s polish. I was gonna include the marbles I bought too, but I lost them………

Her review of Sally Hansen’s Salon Manicure nail polish with the silver cap made me go out and buy one from Longs Drugs – and she was right!  It is a great nail polish because the brush is flat and wide.  So Aunty bought more on eBay – if you see any colors you want to try, let Aunty know! (note:  the picture on the right was taken by Aunty – Jalna’s photos and skill are those of a master and of master quality.)

Occasionally she will post a recipe of a dinner that her husband (sounds like a great guy!) made or of a product that she likes.  Her  June 3, 2013 post was for a great microwave mochi recipe, super easy, super fast, and super ono looking!  She shares the best of whatever she comes across, and this recipe was from her sister’s mother-in-law.  Such an awesome local family.

She has photos of food, weather, marauding rabbits, events such as her class reunion, and of course the swap meet, with commentary that makes me wanna laugh or sigh.

When you are ready to get a taste of the wonderful typical pace of Hawaii living, visit Jalna, and enjoy.  It is like wading in jello, in color and in excellent focus.

 

Gurus of Wealth

2013-06-02_16-09-10The best way to get wealthy is slow and steady, not fast and risky.   “But I don’t have any money” is the most common cry and stops most people in their tracks.  Successful people will find a way so they do have money to invest.

The following are a summary of programs/authors/subscriptions/methods that I have tried and my recommendations based on personal experience that are specific to wealth building:

Michael Masterson

Michael Masterson is a prolific author of many wealth building strategies.  I highly recommend his book “Automatic Wealth” as a blueprint of setting your path to success.  I have learned to make better use of my time using his 7 year/yearly/monthly/weekly/daily/hourly planner method.  The magic of his method is that it encompasses more than just the financial aspect of your life.  You will also include your health, personal life, social aspects, and spiritual if you so desire.  Michael writes a column on an occasional basis on Early to Rise.

Mark Ford

mark fordaka Michael Masterson, now writes on a regular basis for the Palm Beach Letter (subscription price of $99 annually).  He explained why he changed his name, and it really doesn’t matter to me because this man is a genius at giving valuable advice for wealth.  If Aunty could choose just one source to recommend for money, investment, income advice, it would be Mark Michael Masterson Ford.  Aunty just signed up for his Palm Beach Wealth Builder’s Club.  The subscription cost was $1250 for the first year, and $87.50 annually.  To tell you the truth, Aunty almost called to cancel when I saw the charge on my credit card statement during an especially tough month, but I looked back on what I had received in the recent lessons, and knew that this was the “club” that had the strategies, support, and answers that Aunty needed in order to stay the path to get financial independence.  Aunty will share in cliff note format what I have learned as the lessons are flying into my email box, but to truly learn from this best of the best, Aunty recommends that you subscribe because some of his recommendations are not what Aunty would do, but you might, and vice versa.

2013-06-02_16-14-33Hawaii Real Estate Investors Club run by Paul Xavier.  As the months and soon to be years go by of my investing growth, I have come to run the gamut of emotions about HiRei.  I first went there to learn about real estate investing and some of the meetings were excellent, some so-so.  The greatest value I have gotten from these meetings is finding fellow investors who are willing to share what they know, and becoming friends with these people.  I also learn a LOT.  Paul’s depth of knowledge is quite amazing.  His ethics are good.  Sometimes his answers are too abrupt, but they usually ring true.  Come check out this group that meets on the first Thursday of every month at JCCH on Beretania.  Annual subscription is $120, guests can attend a meeting for $15.  Dues and parking are collected at the door, so it’s not a freebie, but it is worth it.

2013-06-02_16-17-52BawldGuy Talking

Jeffrey Brown has a great blogsite packed full of great financial info for the baby boomer generation.  Based in San Diego, he sometimes sounds like a Canadian with a Texas attitude, lol.  Not only does he write insightful witty articles, he also has guest contributors with top dog credentials and information.  One day I am actually going to call him since he keeps suggesting that we do so.  If you have a few grey hairs, check out Bawld Guy Talking.  Smart financial advisor, always learning, great judgement calls.  If you don’t have a plan to get to where you want to go in your golden years, read his blogsite, and give him a call.  Let me know what he says.  If I call him first, I’ll let you know.  [Wanted to let you know that I called Jeff Brown today.  We differed on many grounds, but I must say it was one of the best 90 minutes (!) of conversation and communicating that I have had for eons!  This is a very astute gentleman, and if I were to do it all over again, I would want to have him in my corner as my coach, referee, and friend.  That being said, there may be changes in our financial picture in the near future.  Whatever happens, it has to make sense for Aunty and Uncle, and it has to feel that it is right for us.  Confucious say, “When it becomes obvious to you that you cannot reach your goal, don’t adjust your goal, adjust the actions which you are taking.”  Bawld Guy Jeff Brown is something like a modern day Confucious.  Someone worth paying attention to even though his current target market is Texas and mine is Las Vegas.]

2013-06-02_16-22-03Joe Taxpayer

Joe is a smart young man with a common sense approach to wealth.  www.JoeTaxpayer.com, Financial Commentary for the Average Joe.  Joe is on the side of people like me – he calls a spade a spade.  One example is his research and rebuttals about a mortgage pay down program, the Money Merge Account by United First Financial .  This MMA program costs $3500, an overpriced multi level marketing scheme.  Joe even provides a free spreadsheet (see his page – the first link is his excellent and easy to use worksheet – highlighted in green – his MMA worksheet) that you can use to plug in your own numbers to pay down your mortgage faster, and if you use the $3500 as an initial principal payment, you are already much better off than buying the web-based MMA program.  HOWEVER, now that we are investors, paying off one’s mortgage as fast as one can is not the best use of discretionary income.  Joe’s website is a good one though not biased toward real estate.  It is a middle of the road eyes wide open and geared to opportunity kind of place.

2013-06-02_16-27-56Raymond Aaron’s Wealth Creator Program

I heard Raymond Aaron speak at a recent HiREI weekend event.  His system on goal accomplishment was excellent.  As a result, I signed up for his Wealth Creator Program.  Not only is Raymond an excellent speaker, he is also an excellent salesman willing and able to share his best tips and secrets.  He invented the MTO approach to goals.  M is for the minimum level of a goal – what you can be counted on to achieve, T is for the target level – which is a stretch, and O is for the outrageous – what you are sure you cannot achieve (but may end up achieving because you will be on a roll!)  If he ever comes to town again, make sure you sign up to hear him speak.  As an example of his high level teaching style, here is an interview with Robert Kiyosaki (Rich Dad, Poor Dad) that he sent to subscribers:  RK Interview.

I just started reading Raymond Aaron’s newest book “Double Your Income Doing What You Love”.  After a few pages in, I can tell – this book sparkles.  Its title does not do it justice.  This is one of the few books that are truly life changing.  I will write a book report after I read it.  Buy it if you can.

*Caveat:  Watch your expenses whenever you buy a program from a guru or mentor.  Some will sell you a program that allows you full access to resources/communication for a year, some will charge you fees on a monthly basis for a minimum of a year under contract – and these can be pricey!  Multiply what you are paying for on a monthly basis by 12 (months).  That is your annual outlay.  Ask yourself if it is worth it and you are getting value/action from it.  If it is, continue.  If it is not, discontinue asap if you are able to (READ the contract).  This was the case with Raymond’s program, and I also had to pay a foreign transaction fee on my month charges because he runs a Canadian corporation.

Kung Fu Finance

Kung Fu Girl is on a break, but her free blog has much to peruse.  I look forward to her new posts in the near future.

2013-04-17_12-03-06Robert Kiyosaki

Robert Kiyosaki was born and raised in Hawaii, but has left the islands to make it bigger and richer elsewhere.  I can see why – Hawaii is such a laid back place, not a place for someone who wants to move ahead.  Someone once described living in Hawaii as a slowing down in life – like walking through jello.

When Robert met and married Kim, his beautiful young wife, his journey and trials began, with the lessons that he learned from his “Rich Dad” on the island of Hawaii, as well as from Buckminister Fuller, and others.  He invented a game, wrote a book, got on the Oprah Show, and the rest was history, as they say.

It is Robert Kiyosaki’s books and his Cash Flow game that turned the tide in Aunty’s mindset and Aunty hopes to meet the great man one day soon to thank him in person.

Business Credit

I am learning about obtaining business credit.  This is important to me because currently our action plan to keep buying properties has hit a small road block.

The original plan was to purchase a Vegas property in cash (cash is king), cash out refinance the property to get the cash back out, and buy another property.  This was to be repeated as many times as possible until the cash supply dries up.

The problem occurred with the very tight lending policies of the banks, as well as a rather new rule of most major banks allowing a person/investor only 4 conventional mortgage loans.

Other options are hard money loans, angel investors, etc. but my first and favorite way to borrow money is with the bank.

At a recent BOSS Inc U event, attorney Rod Butters introduced the concept of business credit.  I, of course, had to sign up for the program.

Step 1 is setting up your business entity.  I use a Nevada LLC set up for me by BOSS’s Michael Bowman – a sweetheart of a attorney.  He is like a labrador retriever in human form.  Cute, big, and cuddly.

It is very important that the business looks and acts like a business.  Register with the State and IRS, which will generate an EIN number – this is like a social security number, but for businesses.  You will need a physical place and local phone number for the business.  Setting up a company website helps to validate your company in the eyes of the creditors.  BOSS did all this for me too, for a very reasonable fee.  They will do my annual filings and keep me up to date and on track because I pay them a small monthly fee to do my books.

Step 2 is signing up for some credit building accounts.  One that I never heard of before is Wright Express – a fleet card service which is a good way to purchase the gas you will use as you run around doing business related errands.  Another is opening a MerchantCard that reports to the different credit bureaus so you start building up your credit history in a good way.  Your credit will be based on the business, not your personal records, and, as Martha Stewart says, that is a good thing.

Step 3 is checking up on your business credit score if you have any, as well as your personal credit score.  Some business credit will use your personal score to determine your credit strength until your business can truly stand on its own and obtain lines of credit.  You will also sign up with Dunn and Bradstreet, and check out  Experian, and Equifax to see if your company has any credit records on file.

I still have Steps 4, 5, and 6 to go, and will keep you informed as to what I have going on as I strive to build our purchasing power with untapped business credit.

Hey Joe and Aunty!

2013-05-29_20-29-04Aunty first met Joe Taxpayer years ago while google searching about United First Financial’s Money Merge Program.  Aunty had plopped down $3,500 for this fantastic sounding program that calculated that it would take 8 years 11 months to pay down our mortgage debts using sophisticated algorithms, money back guaranteed!  (PS don’t tell Uncle that I bought this.)

After about 3 months of struggling with their system and juggling several accounts with the increased number of transactions required giving me a headache as well as dangerously affecting my credit because of a few near missed credit payments, Aunty wanted out.  Screamingly out.  After all, I gave it my 100% attention but it was taking much too much time, and the program was not capable of accommodating more than one mortgage – and we had 3 at the time.  I kept getting told that they were working on a beta program that would be able to, and it would be available soon.

Well, they lied.  They lied about what the program could do for me, they lied about the beta program, and they lied about the money back guarantee.  The guarantee, in very fine print, was IF after the entire program was followed to a T, and the sophisticated algorithms didn’t work, THEN they would refund my $3500.  So, in other words, 8 years and 11 months from that point in time, if I could show that it didn’t work, then they would refund me.  Hmmm.  Aunty smelled a rat, and went searching to see if others smelled a rat.

One of the best rat smellers I found was at JoeTaxpayer.com.  Aunty posted as “SallieMae” and had a grand time putting the squeal on this unethical company.  Long story short, Aunty did get refunded after contacting the Utah Better Business Bureau (yep, it was a MLM of the worse kind), and Aunty became a loyal reader of Joe’s excellent info site.  Aunty did an updated rewrite of the program, which has changed its name to Worth Unlimited.  It should be named Unlimited Worthless, and Joe can prove it with the excellent payoff spreadsheet that he provides free on his website: http://www.joetaxpayer.com/money-merge-account-links/  Click on “my MMA worksheet” for the tool.

And now, short story long, Aunty would like to announce……… A guest post by Aunty on Joe Taxpayer’s site!!!  It is called “Aunty’s Perspective on Real Estate in Hawaii” – okay not the most exciting title, but, being on Joe’s website is SUPER exciting!  And he calls me a “gal”, isn’t that pretty wonderful?

Please check it out, and feel free to leave a comment here or there, or everywhere!

Lei time

star&rose May 1st was May Day.  May Day is Lei Day in Hawaii…(there is a song to that)..  Graduations are happening all around the State of Hawaii.  What that means is a whole lot of lei making and giving.

Friend Tutu asked where I buy my flowers/leis.  I have 2 places that I frequent.

Le Flowers on 2567 King Street between Kuni Island Fabrics and Siam Imports has inexpensive leis such as the braided flat ginger lei that looks like a work of art and smells heavenly.  If I am going to the Mainland and taking leis, they give me their freshest ones and help pack them together so they keep better.  The staff is always nice and fast there.   They do not take phone orders but they always have a nice selection of leis as well as cut flowers.

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Flowers by Jr Lou & T

Flowers by Jr Lou & T is close by – across the street on the next block at 2852 King Street.  Our good friend Tommy Holmes used to always go there for his flower leis for his dates.  That was over 20 years ago!  Nowadays, if I am looking for a special lei such as pikake or maile, I always go to see them first.  One year, when #3 child was graduating from a California college, Hawaii had rained for 40 + days straight.  As a result, NObody had any fragrant flower leis, and I was set on bringing up a nice pikake lei for her.  Calls everywhere said “sorry, no pikake”, except for Jr Lou & T!

Occasionally  I cruise through downtown Honolulu to check out other lei vendors.  Somehow their quality is not up to par or price with my two favorite Moiliili florists.  I used to go to Sweetheart’s Florist at 69 N. Beretania but I haven’t gone there in years.  I remember them for having very nice leis that were simple and beautiful.

For price though, I can’t beat the free ones that we get after we pick from our rainbow plumeria trees, stephanotis, or the pakalana from the vines.  Aunty will be posting a video on lei stringing soon.

Wishing all of you a very fragrant and wonderful May Day, a few weeks late.  Meanwhile, here’s a shot of my pal Lani Chun‘s pakalana and puakenikeni leis – done in polymer clay!  Lani is a wonderful artist who sells out of her fabulous leis at many craft fairs.  Enjoy!

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5 Star Rating and good Karma (credit)

Aunty was in a major pickle.  Major.  I didn’t even want to tell Uncle about it because he might get mad and make me cut up all my credit cards.

2013-05-10_20-56-48See, pal Cookie called to let me know about Wells Fargo’s stream line loans that refinance at today’s lower interest rates with zero points and $650 closing costs (that’s a great deal).  Aunty was in the beginning phase of talking to Kim, one of their loan officers, when “SMASH! ouch, OUCH!” – I get an email update from Credit Karma (great free service if you don’t select extra offers) that my credit score went crashing from 740 to 660, “WHAM!” because I was over 2 months late on paying on my Nordstrom card.

Having a delinquency on your credit report is like dragging around a leg chain with a big black ugly ball for 7 long years.  There are ways to increase credit scores (maybe another post in the future) but that delinquency will pop up in the negative column and NOT go away for 7 long years – and in Aunty’s case, that means until Aunty is 67 years old!

Normally, we pay off all our credit card balances every month.  For some odd reason, that Nordstrom card was noted as paid by me and put away for 2 billing cycles.  A letter in the mail from a Nordstrom Vice President apologized for any oversight and informed me that my Nordstrom account was way past due.  Oh oh.  Not good.  Aunty got on the phone with a Nordstrom representative and cleared the balance online immediately.

However, too much (I had late fees to pay), too late.  The damage was done because it was over 2 billing cycles late.  A couple of calls to their toll free number resulted in, “Sorry, we are not able to remove the damage.”

Never give up.  That’s kinda what I believe, so Aunty called the phone number on the Vice President’s “currently past due” letter and asked to speak to him.  The customer service rep who answered the phone was Garth – like in Garth Brooks.

Aunty explained the situation (okay, maybe I begged) and Garth said some magic words, “Let me see what can be done”  and put me on hold.

Be still my heart.  Wish, wish, hope, hope.  Wish, wish, hope, hope.

When Garth came back on the line he said, “Okay, just for this one time, we have removed the delinquency….” and a bunch of other great words, and “SHAZAAAM!” the leg chain with all of its weight came off, replaced with Hallelujah and mahalo, mahalo, mahalo.

How wonderful was that!  After the call ended, Aunty immediately sent of a letter of commendation thanking Nordstrom for having such a great employee and being such a great company.  [note from Aunty – please DO send off letters of commendation for people who make your day.  In return, you make their day in a really nice way.]

2013-05-10_20-50-485 Stars to Nordstrom!  They have lived up to their reputation and high standards of delivering excellent customer service.  They have given Aunty 7 years of cleared credit.  7 years of being able to get investment real estate loans at the lowest rates because of good credit.  This will save us thousands of dollars of interest qualifying us for lower loan interest rates.

Aunty is so happy, Aunty is going to go out and buy a celebratory something from Nordstrom, put it on the Nordstrom card, and pay it off right away.  Maybe something for Uncle, and then I’ll let him know about the credit disaster that got cleared.

 

 

 

Update:  Aunty’s credit score has bounced back!  It is funny how it took 1 day for it to take a dive when the delinquency was reported, and 4 weeks before the score was revised higher after the problem was fixed.  Lesson learned – pay everything on time, every time!

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Beginning “The Pledge”

IMG_0521Aunty recently joined the Wealth Builders Club (will give more details in a future post) and one of the bonuses of that program is getting Michael Masterson’s new book “The Pledge” in the mail.  I like getting a “real” book, especially if they are hardcover.  Somehow having pages to turn and paper to smell makes it of more value to me than an e-book.

I posted about Michael Masterson before – as the man with many names.  Regardless of how many identities he has had, he delivers, and delivers very very well.

Upon flipping through it to get a sense of what this book was about, a test on page 2 of the Introduction stopped me in my tracks and I knew it was something worth sharing.

The heading of the section was asking the reader how good is their life? and take this test.  The test/questions define the quality of your working life.  The questions are:

  1. What will you do?
  2. With whom?
  3. Where?

Simple questions which we already have the answers to right now.  You are already working or have a career or will embark on a career or path, you already have an employer, co-workers, clients, vendors, partners, and you already are somewhere.

Aunty then skipped to almost the last chapter to get the purpose of these questions.  You probably already know what the questions will evolve into:

  1. What would I really enjoy doing?
  2. Who would be the best person(s) to do it with?
  3. Where would I most want to do it?

This last set of questions do not only apply to your working life, but also your personal, retirement, and spiritual life.

Aunty isn’t the best of readers – finding time in the day to sit down and read is luxury time that I don’t have.  However, Jeff Olson in “The Slight Edge” prescribes reading just 10 pages of a good book per day.  Aunty can do that.  And when I am done with this excellent book, I’ll do a book report/review if it turns out to be as good as I think it will be.