whered it go

WHERED IT GO
thats what everyone is asking about all that money
whered it go

vince made 56 million bucks from his football contract and his
endorsements
how do you spend all that money
thats what all of us are saying

for those who dont know
vince young was the star of the university of texas football
a few years ago
he won the national championship his last year
then he went pro

he was drafted by the tennessee titans and made all that money
on his contract
its been downhill for him since

so you figure he paid 50%+ to taxes
that would leave 23 million dollars left
put that in mutual funds based on his age and risk tolerance
ok so his risk tolerance was high
but lets say what he should be invested in
then take 4% out a year

thats a million bucks a year

that would leave him if hes invested right with about
23+million balance left each year

i would think maybe most of us could live off that much right

he should have turned his money over to a good financial
adviser
wait he did have a good one that helped him spend all his
money
its a sad story that hits a lot of high paid professional players
and also a lot of those big lottery winners
you know the ones that we all buy a ticket for when the
pot gets so big

of course vince did spend 100000 big ones on a birthday party
the amount going out needs to be less than the amount coming in
thats true of all of us no matter what our income is

his case is really a larger scale of what many americans are doing now
living way above their means
getting deeper into debt especially credit card debt
some to the point where you cant recover
thats what happened to vince

ive worked with and have known physicians who lived that way
spending all the money they made
then nearing the end of their careers reality sets in
they realize sadly for some that they cant retire and have to keep working

what i did was several years ago
thanks to a rainwater brother who is a financial planner and from my
personal observations of cases like those above
we downsized some
cut our expenses
paid off our cars and house
maxed out not our credit cards but our retirement plans
note our credit card we use requires that we pay the balance off
within thirty days
began living like we were retired before we were retired
and
now in retirement and beyond
we are able to live comfortable not exorbitant just comfortable
and are able to do those things we like to do
and travel as much as we want to travel
and still have money left over hopefully when retirement is all over

so i think about vince and others
and think
whered it all go

dont let this happen to you

the organicgreen doctor

preschool, second chances

PRESCHOOL
yesterday was the preschool day
the day before school starts around here
kids are anxious or just dont want to go at all
parents are glad to get the kids back to school
the teachers have their rooms ready to go

so last night as kca was putting her son to bed
thats abbies younger brother
he says
i dont want to close my eyes because when i open
them summer is over

dont you just love kids
thanks kcc for the posting and thanks for the smile to start the day

my wife she is ready for school with her classroom all ready
those lucky kids
she teaches english reading and creative writing
at an alternative school or disciplinary school or opportunity center
or whatever you want to call it
if your child is at her school you arent happy about it since
they got in trouble at their school

but my wife she chose to teach there
she loves it like i loved medicine
its her calling
and
i think she does a good job

it takes a lot of compassion and patience to teach there
and she has a lot of both
just dont push her too far as ive found out many times since
weve been married
she will win in the end

she basically is on the kids side
sometimes teachers forget that kids are why they are there
in the first place

each semester more than one kid will be discovered there in her
class that no one  knows how talented or intelligent they are and
will leave there a new person with a new perspective for the
future

granted many of them are future writers artists musicians actors
and are quite talented

in fact here is a book written by the poet karla morton
that includes poems from her students

the drawing on the front is done by one of her talented students that
was lost in the system

my wife she is very tolerant with these kids
when you hear some of the stories of their lives
you understand why she is

but if she is  pushed too far they go to the principals office
and when she sends someone there the office knows they
have been bad
and the punishment may mean moving on to the next level
which is not a good place to be

but as the school starts today and the first group who start
the year there arrive
she is ready for them with open arms
we need more teachers like her and the other teachers who
teach with her

good luck everyone in school today

SECOND CHANCES
you have to give people second chances
like the ones at the school mentioned above

two of texas ex quarterbacks
probably two of the best that has ever been there
now have second chances
 
colt mcoy
was cut by cleveland
that harsh head hit that left him with a concussion and knocked him
out for the season
he never came back and played much after that the next year

i like colt mccoy
good texas name
from a little town in texas
not recruited much
a coaches son
he had it
but he made it at ut and did well

he is a nice kid very religious but doesnt push it on people like some
athletes do

he got a second chance as a backup at san francisco and it
looks like they decided to keep him as the number two quarterback
this year

good luck colt
you have always proven people wrong

then vince young
highly recruited
he had that special talented it that cant be learned

the ut texas hero quarterback
who had fallen from the graces of the nfl
well he did do some strange things
and
spent all his money he earned in seven years in the nfl
im talking millions of dollars
well he may have been swindled out of most of it

he was brought into green bay to try out
and did quite well
and was kept as the backup to aaron rodgers

he is saying the right things
working hard like he should have been doing when
he started years ago

sometimes adversity can make you contrite
and motivate you

may all have a good day today

the organicgreen doctor