You want to know how I did it?
This is how I did it, Anton: I never saved anything for the swim back.-- Vincent, from Gattaca (1997)
One of my all time favorite movies is the classic, Gattaca,
a thought-provoking story if you take the time to digest the multiple
messages within. Unfortunately, most people watch it and return to their
quiet and miserable live. I'm forever amazed by the lack of
inspiration people display with all the powerful examples and sources of
inspiration out there and available to all. But, save that rant for a
later date...
Gattaca depicts a world of the
future ruled by genetically superior humans. It's no longer about race
or wealth, but about who has the best genes. If you're not born with the
right genes for a desired occupation, then you've zero chance of acquiring
that occupation. Neither how hard you work, nor any other effort you
might put in matters--you're shut out entirely and must accept your lot.
Ironically, in our society, people
suffer from self-limitations more than any limitation the collective puts
upon them.
Vincent Freeman (a masterful Ethan Hawke) decides he's unwilling to
accept these oppressive societal limitations and figures out a way to
achieve his dreams. Vincent's lifelong dream is space travel and he refuses
to concede defeat. He assumes the identity of Jerome Morrow (Jude
Law), who has the necessary genetic profile and is willing to sell it.
Jerome is in a wheel chair, has lost his zeal for life and thus no longer
cares about benefiting from his superior genetics.
While Gattaca has many powerful
scenes, fans know the most powerful of all is the swim scene: Vincent
has a brother, Anton, genetically superior both mentally and physically;
however, being born with his gifts, Anton never develops either Vincent's
mental toughness or tactical thinking skills. Growing up, Vincent and
Anton competed with each other in ocean swimming to see who could swim out
the farthest out from the shore. With his superior physical genetics,
Anton always won; however, as Vincent matures he develops human
spirit, a quality which no one is born with but is instead realized
through suffering and perseverance--something about which the genetically
gifted Anton knows nothing. As adults, they once again engage in the
swimming contest and this time--to Anton’s surprise--Vincent wins.
Anton, flabbergasted, asks Vincent how he did it. Vincent replies: I
won because I never saved anything for the swim back. Though
genetically superior, Anton is a slave to his genetics; Vincent wins by
transcending genetics. Anton’s genetic assets thus become
liabilities, causing him to lose the swim contest. Vincent, who's
spent his lifetime working within enforced limitations, never lets
institutionalized societal rules hold him back. Born with weakness,
Vincent spends his life overcoming weakness and never gives up. Space
travel becomes his obsession--as your
goals must obsess you in order to excel.
Swimming out without concern for how you will get back to shore is a
metaphor for pursuing your dreams without any back-up plans. Too many
people opt out before truly getting started by telling themselves they can
do something else when and if their dream career fails to thrive. Is
this your mentality? If so, don't bother with your dream career
because you've already missed. As the sage warfare strategist Sun Tzu
wrote: the winner and loser of a
fight is already determined before the fight starts. If you've
already got your fall back job lined up in case your dream career fizzles,
your fight is already determined...and you've lost! Instead, you must
be so single-mindedly focused on what you want that even the idea of doing anything else is never conceived. When something
isn't an option, it will never obstruct you. Excuses are unacceptable:
This is do or die time and those
unprepared to handle such hardcore mentality must fall back and prepare
instead to accept a self-created, mediocre experience of life.
There are infinite excuses and rationalizations why now
is the imperfect time. There are countless people to call you unrealistic.
There are eternities in which, with no one to motivate you in pushing
forward, you must be self-reliant.
And so what? What else is new? No matter if they're big or
small, excuses are excuses. You can thank me for the truth:
You--and only you--are in charge
of your life. Failure is always entirely
your own fault. With an honest self-assessment comes freedom and you
have the freedom to change your
life...if you're willing to pay
the price. Are you willing pay the price?
I can already hear people arguing that wanting a thing badly--and even
working hard to achieve it--doesn't mean you will get it. While that
may be true, they're missing the point. Genuine victory comes not from
achieving a given goal but in refining yourself in the process. This
is something that can never be taken away from you. Vincent's victory
wasn't in beating Anton in a swim contest, no, it was the person he became
in the process of doing so.
Are you willing to swim out so
far without worrying how you'll get back?
February 7: Steve Maxwell Bodyweight Training
Certification In Sacramento, CA Click
here for more info
March 7-8: Steve Maxwell 2-day Kettlebell and bodyweight training course In Wichita, KS Click
here for more info
March 14-15:
Steve Maxwell 2-day Kettlebell and bodyweight training course At Gym Jones
In Salt Lake, Utah Click
here for more info
NEW: April
18: Dylan Thomas Level 1 Beginner Kettlebell Workshop in NYC Click
here for more info
Attention: Mike Mahler will longer be doing KB
workshop for the public in 2009. (only law enforcement and military: both
can contact me at mahler25@yahoo.com to schedule workshops)
3. Kettlbell Training In the Age Of Quarrel: Advanced
Kettlbell Training And Beyond
Time to cut through all of the confusion and show the
numerous applications and benefits of kettlebell training!
The line-up is complete for the three 3-day kettle bell focused seminars
I will be promoting in the fall. The title of the workshop will be "Kettlebell
training in the age of quarrel" and the line up is:
Ken Blackburn
Steve Cotter
Jason Dolby
Andrew Durniat
Mike Mahler
The workshops will take place in Los Angeles, NYC, and Panama (yes that
is not a typo)
Dates:
October 9-11: Los Angeles
October 23-25: NYC
November 13-15: Panama
Each day will consist of eight hours of detailed information and yes this
workshop will be filmed to make another DVD set. Once again anyone who pays
to attend the course will get a copy of the DVD set of the actual course.
Unlike other courses where at best you retain 20% of what you are exposed to
the combination of the course and DVD set of the course makes 100% retention
up to you.
Not sure what location will be filmed but likely LA and Panama. It will be
the same content at each course.
Detailed course information will be on my site in the middle of March. Make
sure you mark your calendar's with the dates above and plan on being at one
or more of the courses. These will be the only workshops that I am teaching
at this year and these are advanced level KB courses and not appropriate for
beginners at all.
NOTE: To receive registration info in March, shoot
me an email at mahler25@yahoo.com
and put "Fall KB workshops VIP" in the subject line. You will be
added to a VIP list to get first dibs on the early-bird registration price.
In the meantime, here are some of the topics that we
are going to cover
The benefits of kettlebell sport training (jerks, snatches, clean and
jerks, chair pressing)
The pros and cons of training for time and when to apply ten minute,
three minute, or one minute sets to your program
Kettlebell Stunt lifts and why they are much more than circus stunts.
How to work up to them and why
Double one-arm KB training for serious strength and power
The wide world of pressing: double clean and press, chair pressing,
one-arm double KB pressing
What hormone optimization is and how to achieve it. You are only as
healthy as your hormones
Why you must balance the four main neurotransmitters in the brain to
lose fat and feel great. Moreover how to do it with real food.
Kettlebell marathon training vs. kettlebell sprint training and which
one is a fit for you
Combination kettlebell training for sport specific applications
The benefits of intentional compromised training
Kettlebell training for size and strength and speed and explosive
power
Kettlebell training for fat loss and improved body composition
kettlebell core training what to do and what to avoid like the plague
The benefits of kettlebell juggling
The lost art of Indian club training and why you need it
Agility training for all body types
Personalized nutrition for your goals
Animal based bodyweight training for serious explosive power
Also check out these incredible you tube clips and you will see clearly
why I picked these guys for the course:
Ken Blackburn Doing Seated Mil Presses with 2 70lb
kettlebells For Over Fifty Reps!
Steve
Cotter's Incredible Bodyweight Training For Serious Power
Jason Dolby Man Handling Four 35lb Kettlebells!
Strongman Competitor Andrew Durniat's Feat's Of
Kettlebell Strength
Yours Truly Doing One-arm KB Snatches with a 124lb
bell
4. Free E-book Seven Advanced Strategies for Packing On Serious
Muscle
My fiend Joel Marion author of "The Cheater's Diet" has
generously offered to give away his excellent e-book and building muscle to
you.
Now, for those of you who may not be
familiar with Joel, I can tell you that the
guy knows a thing or two about gaining size.Not only has he personally gained more than
70 lbs of muscle himself, he's also helped
thousands of others literally all over the
world gain mass with many of the same
strategies he reveals in this mini eBook.
Here's just a taste of some of the things
you'll learn when you download 7 Advanced
Strategies for Packing on Serious Muscle
today at no cost to you:
A completely radical post-workout
nutrition strategy that Joel is currently
using to pack on slabs of muscle to his
clients, including one who has put on more
than 27 lbs of lean mass in the last 12
weeks
The ideal repetition range for inducing
massive amounts of hypertrophy and brute
strength (and no, it's not 8-12)
Why you should never strive to experience
soreness from any workout you perform
How you can immediately spark new growth
by changing one simple variable in your
workout routine
How to set up your program to quickly gain an inch
or more to your arms (or any other body part you choose)
How making one simple adjustment to the
layout of your program can *instantly* make you stronger, save you time,
and increase the density of your workouts
Why recovery and overtraining are two
completely misunderstood concepts and why you *must* train each muscle
two, three, or even five times each week to spark optimal growth
I first started picking people up in
college. It was a spontaneous thing, a fun thing, and most often a drunk
thing. I would grab a guy around his waist flip him heels over-head up to my
shoulder and press him crucifix style. Every single time I did it the
purpose was to make people laugh. It was my trick, people liked it, people
liked me. I am a giant after all and certain things are expected of you when
you are the biggest guy in the room.
When I was growing up I had a real
misunderstanding of what made someone strong. Ken
Patera was strong, Billy Jack Hayes was strong, the Road Warriors
were strong and Andre, well he was the strongest. I would read about him
flipping over cars and ripping trees out of the ground. All of these guys
were strong and all of them picked people up in fantastically impressive
ways.
When I first committed to being strong
I read about all the real strong men. I would read things like 600lb bench
press and it put my 455 to shame. I was embarrassed. I wanted to be strong
and I didn't know how to get there. Deadlifting 6 plates would impress the
guys in my gym, but I always felt like they were not the real guys, the
strong guys, they were mortal and so was I. My numbers were ok but I
still needed something, something other people couldn't do. I found it in
the kettlebell.
Kettlebells are weird and a little
scary. They stay off to the side, often in a corner, and only the real
freaks would mess around with them. Even fewer of those people would look
cool. Most of the time the bell dominates the person holding it. Only the
precious few could wield the bell in any kind of masterful way. They could
tame the bell, they were the strong and I needed to be strong.
So I guess you could say that my
endless pursuit of Kettlebell mastery sprung from my constant state of
insecurity. I'm comfortable with that. I chase the beast every day. I
try to get closer, try to get better. I put a lot of pressure on
myself to be original. That might sound weird but if I am asked to perform a
special lift or feat of strength it really bothers me to do something
everybody else can do. When I see someone lifting a big Kettlebell I
know a thousand people do that. It is not enough. I needed something unique.
Last February a friend of mine showed
me a clip of Mr. Jeff Martone doing a TGU with his wife substituting for a
Kettlebell. "Can you do that" my friend asked? That was it!
Lifting people just like those strong guys from my youth! I knew if I could
start lifting people, just like those guys, I would look strong, I would BE
strong like them! That clip is where I got/stole the idea. I tried it during
the "feats of strength"
segment of the first US IKFF certification. I missed the lift. I was not
strong enough. It crushed me.
I basically went insane. I started
doing getups every day, 32kg, 40kg, 48kg, I needed the lift. I would even do
getups with a full size heavy-bag on top of me. The next time I tried the
lift it was easy. There I was, standing in front of a room of people holding
a person over my head! It is shameful to say, but it was the coolest thing
ever! I didn't feel like the strongest guy in the world. I did however
for a moment look like one of
those guys from my youth, like Macho Man, or Ken Patera, or
(seriously though) Andre. It's an awkward admission but that moment really
filled something in me that had been empty my whole life.
Once I accomplished my first lift it
just went on from there. I train by lifting several Kettlebells in one hand.
Military press, Bent
Press, Side Press, Windmill, and TGU, all of that is pretty obvious but the
real trick for me was the GS. Learning to generate force sequentially in an
efficient and relaxed way is what got Steve Cotter over my head. If you
watch any of my lifts I am pretty relaxed. Sometimes I find myself
"binding down" during a tough pass bust most of the time I am just
trying to be relaxed. I pass through the small muscle groups to get from
power group to stable group. I use my largest most powerful muscles to
launch the heavy weight from structure to structure. I find this takes more
explosiveness then tension. The GS helps develop that kind of power and
alignment. If your body isn't lined up right and your bones aren't
stacked you've got no shot of holding that weight.
One other point on lifting people is if
you "crush grip" a person you will probably hurt them. If you are
strong enough to hold people overhead, you are strong enough to hurt them
with your grip. Try explaining that at the ER! So for all of you who think
this may be your thing,,,Good Luck and lift well!
Make sure you check out John's next level 1 KB workshop in San Francisco, CA
on February 28, 2009. For more info go to: www.orangekettlebellclub.com
6. A Reflection On Progression
By Steven Khuong CSCS
The new year’s “body change challenge” has sparked great
excitement around the IC. As a result, people are naturally curious about
timelines and expectations. I can sense both the motivation and the
urgency in many of our members. To address the anxieties often associated
with challenges and deadlines, I want to share my personal story with you.
People often assume that because I can do a few parlor tricks, I’ve
been athletically gifted my entire life. This couldn’t be further from
the truth. I was active as a child, but probably no more than any other
kid growing up in Oakland: playing four square during recess, some
basketball after school, and roaming the neighborhood on the weekends.
Like most of my friends, I was not involved in formalized athletics. As
fate would have it, the year that I decided to tryout for the school
baseball team, I was struck with an auto-immune disease that paralyzed my
entire body.
One morning during my seventh grade year, I awoke to discover that I
couldn’t contract the muscles of my legs. As the day progressed, my
condition worsened. I was hospitalized the following morning as the
paralysis spread to my arms and face. The neurologists were unable to
diagnose the cause. I still recall the look on my mother’s face when the
respirator was brought into my room. The doctors were concerned with the
possibility of severe pulmonary complications, which of course is life
threatening. It wasn’t until the fourth day of hospitalization that the
medical team decided to perform a spinal tap to test protein levels in my
cerebrospinal fluid. They suspected a case of Guillain-Barre Syndrome.
There was no cure or treatment for the disease at the time.
Miraculously, after a week in the hospital, my body began to recover at
the same rate it began to deteriorate. However, the damage to my
neuromuscular system prevented me from walking for twelve months. I spent
the next four years of my life trying to regain a basic level of balance,
strength, and coordination. It didn’t take long for me to discover that
I had lost more than just physical ability. This episode had also pushed
me into a despondent state, opting out of exercise at every possible turn.
Truth be told, no teenage boy wants to appear weak and feeble amongst his
peers. My plan was to hide my body behind an ROTC uniform for the rest of
my teenage years - that is until a chance happening in high school changed
the course of my life.
My brother joined a weight training class taught by an ex-bodybuilder /
powerlifter. Impressed by her knowledge, ethics, and leadership, he
convinced me to drop ROTC and enlist her help. (To this day, I
credit her for giving me the necessary rehabilitation I needed in order to
not only overcome the effects of Guillain-Barre, but also to gain strength
during a critical stage in my adolescent development.) I am very fortunate
that my brother has a natural gift of persuasion because I probably
wouldn’t be here writing this if it weren’t for the lessons forged in
this unassuming “gym class.” Lifting weights next to seemingly
invincible football players, and seeing my stats on the bottom of the
public records board day after day, helped me develop the humility and
patience necessary to progress physically. I was also blessed to work out
with a group of supportive training partners. As time went on, I began to
notice that I was getting better. By the last semester of my senior year,
I found myself edging towards the top of the records board. Though I never
became the strongest or the “best,” I was certainly better than I had
ever been in my life.
This is perhaps the reason why I have always taken a strong interest in
helping beginners at the IC. Like Maya, I have empathy for folks that have
little or no athletic history due to my own experience. Some ex- IC
members have told me that I cater too much to “newbies” and this
sentiment made me reflect on my own journey. It has only reinforced my
efforts to focus on those that need the most help. After all, it has taken
me almost twenty years to get where I am today (I’m still not there).
So, before we start to worry about how fast we need to go, I suggest we
all take some time to reflect on our own fitness experiences and develop
some patience for self and others - but more importantly, be thankful for
how far we have already come.
Best,
Steven
Steve and his wife Maya have an incredible training facility
in the San Francisco, CA area. Make sure you check it out at www.icechamber.com
7.
Building Economic Strength In Our Chaotic Times
By Rohit Kalra, CPA
"Aggressive strength is more than just how physically, spiritually,
and mentally fit you are. Financial strength is a critical component of
being strong as all too many people are realizing in our current economic
crisis. When I decided to bring in an expert to handle my accounting I knew
that my good friend Rohit Kalra was the man to go with. In addition to being
a man with the utmost integrity he is willing to do the research and hard
work to ensure your finances are handled with the utmost care. You are in
great hands with him and I cannot recommend him highly enough"
--Mike Mahler of Mahler's Aggressive Strength LLC
Complete strength is not possible without consistently
making prudent business, tax, and financial decisions.The 13 tips below will enable
individuals to strengthen their economic prospects and avoid potential traps
for the unwary, both short-term and long-term.As you read this article, recognize that the tips below are items
within your control.You may
not be able to control or influence how the markets perform in the next
week, month, or year.You can,
however, control or influence the items described below.Also, please be aware that these are summaries of important points
and they are not meant to be comprehensive coverage of each topic.Regardless, building a basic awareness of these points will be
beneficial to readers.
Never underestimate the importance of cash reserves
Some say “cash is king.”In my mind, this phrase underscores the importance of liquidity and
access to immediate reserves.Many
people never build an adequate cash reserve. Others invest their “emergency fund” in the capital
markets.Both are mistakes
which should be avoided.Cash
reserves should be kept in safe and highly liquid accounts such as high
interest savings accounts, money market accounts, and certificates of
deposits.In doing so, you
limit the upside growth potential of this money however you also protect the
downside risk as well.This
preserves the fundamental purpose of cash reserves and emergency funds—to
be a source of cash you can readily rely and depend upon to be there should
you need to draw upon it.
Live below your means
Building cash reserves and
investing in the capital markets is not possible if you have nothing
to save or invest.Professionals
often call this your “net cash flow.”“Net cash flow” is nothing more than all your income and cash
inflows less your expenses and debt service payments.In order to maximize your “net cash flow,” you must find ways to
live below your means, maximize your income, and minimize your expenses.This can be very difficult for many and often goes against the social
norm.Living below your means
conjures up thoughts of thrift and frugality.It can be challenging—especially in a society where immediate
consumption and gratification are common—to break the mold and give up
your current material desires in exchange for short-term and long-term
economic security.But delaying
gratification is what you must do if you aspire to build cash reserves and a
balanced financial portfolio for your long-term economic security.
Balance financial risk during periods of economic
contractions and expansions
The process of balancing financial risk is often
referred to as asset allocation.Once
people complete the process of building cash reserves, many turn to the
capital markets to invest their “net cash flow” for long-term growth and
inflation protection.It can be
tempting to put all your money in stocks or “equities.”Don't do it.Risk is
prudently managed by allocating capital between equities, high-quality
bonds, and cash.As a very
general rule, even the most aggressive investor should have 20-30% of his
portfolio in high-quality bonds.This
applies during periods of economic contractions and expansions.It is futile to chase market performance and respond emotionally to
day-to-day fluctuations in the capital markets.If you have intelligently established a prudent asset
allocation from the onset, you can maintain it during all economic cycles.Remember, your decision around how you allocate your personal capital
will have the most impact on your future results.Many make the mistake of not taking a balanced approach and instead
introduce too much risk into their portfolios.Do not overestimate your risk tolerance.Instead, pursue a balanced approach you can stick with over time.
Pay attention to the costs of playing the game
Investing in the capital markets costs you money.When you purchase and sell stocks and ETFs, youpay commissions.When
you buy mutual funds, you are exposed to expense ratios, sales charges, and
possible 12b-1 fees.Paying a
professional also increases your costs (although it can be beneficial for
many to do so assuming the fees are reasonable).Minimizing expenses should be a top priority.You may not have control over how a specific mutual fund performs,
but you do have control over how much you “pay to play.”The most prudent way to pay the least amount of money to participate
in the capital markets is through passively managed index funds.In contrast to actively manged mutual funds, index
funds often have the lowest expense ratios, no sales charges, and no 12b-1
fees.As a simple example for
the sake of illustration, let's assume you received a sudden windfall of
$100,000 when you were 30.Assume
you invested it in a passively managed domestic equity fund with the hopes
of earning a 10% nominal return over the next 35 years.Without considering the impact of taxes and inflation, on a nominal
basis, you would have $2,636,829 after expenses when you were 65.Thisis computed
by taking the 10% return and subtracting the approximate 20 basis points you
would pay in investment expenses every year (or a net nominal return of 9.8%
per year).If instead, you
invested in an actively managed fund which also provided the same 10%
nominal return (other things being equal), you would have $1,914,306 after
35 years on a nominal basis—almost $700,000 dollars less.This is because you are likely to pay more for an actively managed
fund and in this particular example, I have assumed you are paying
approximately 1.2% per year in expenses and you achieved the same nominal
returns (without considering taxes and inflation).Effectively, you earned a net return of 8.8% using an actively manged
fund.Other things being equal,
higher investment expenses can create significant disparities in terminal
wealth over long periods of time—especially when the amounts considered
become larger.
Optimize your tax position
Managing your tax strategy is a critical component of
building a successful portfolio.Essentially,
individuals have three avenues to invest for the long-term.You can either open a taxable account, participate in a tax-deferred
vehicle (like a SEP or 401k), or choose a tax-free medium (like a Roth IRA
if you qualify).The nuances of
optimizing an individual's tax position are too complex and beyond the scope
of this article.But I can
offer some some general thoughts.In
taxable accounts, where you will pay taxes on distributed dividends and
capital gains just by holding the funds, try to choose tax-efficient funds
which minimize these distributions.Any
taxes you pay on these distributions will lower your returns.Also, try to place your tax-inefficient assets in tax-deferred or
tax-free accounts.In other
words, purposely locate your tax-inefficient assets where they will be
“sheltered” from current taxation.As an example, REITS are inherently tax-inefficient.It would be prudent to invest in REITS in a sheltered account as
opposed to taxable account.Similarly,
it would be imprudent to invest in tax-free municipal bonds in a tax
sheltered or tax free account.
Recognize the differences between actively managed
and passively managed mutual funds
If you choose to participate in the capital markets,
there are three basic ways to participate.Either you can choose individual securities yourself, buy an actively
managed mutual fund where a professional attempts to select securities for
you, or purchase a fund which mimics a particular index for that respective
asset class.Choosing
individual securities yourself can be a losing proposition.While it is possible to purchase an actively managed mutual fund that
may perform better than its associated index, the likelihood of this
happening is low.Over longer
periods of time, the chances are even less.For most individuals, they would be well-served by simply buying the
market instead of trying to beat the market.In doing so, you will find that you will pay less in investment costs
and virtually guarantee that you earn the market rate of return associated
with that asset class.
Ensure you have a fixed-income strategy
Talking about your bond strategy over beers with
friends hardly makes for interesting conversation.Still, everyone should have a fixed-income element in their
portfolio.As I mentioned
above, even the most aggressive investor with the highest risk tolerance
should have at least 20-30% of his portfolio in high-quality bonds.This can actually help maximize returns while reducing risk.One of the primary roles of bonds is to reduce portfolio risk and
dampen the volatility associated with equity investing.To accomplish this, you should choose high-quality bonds with a short
maturity.The
shorter the maturity, the less interest rate risk you will be exposed to.The quality of the bond refers to its credit quality.To this end, tread carefully with high-yield or junk bonds.To start, consider treasury bonds and inflation protected securities
for deflation and inflation protection, respectively.High-quality, short-term corporate and municipal bonds can also be
considered.
Control your emotions and behaviors
Volatility in the capital markets can trigger powerful
emotional responses.Rest
assured, if you have set aside adequate cash reserves, chosen a prudent
asset allocation and selected good low-cost investment vehicles, there is
little reason to respond emotionally to the daily ups and downs of the
markets.It may be advisable to
turn off your television if you are prone to doing so.Making sudden changes to a prudent plan can be detrimental to your
long-term results.Try to
resist the temptation to engage in “market timing” and chasing the
latest trend.The capital
markets should not be an outlet to indulge desires to gamble like you would
at a casino.
Stay consistent and take the long view
If one examines financial history, you will see that
financial markets tell a very powerful, positive story over long periods of
time.In the past, financial
markets have provided an extraordinary opportunity to build wealth over long
time horizons.In the
short-run, however, volatility in the markets can be stomach-churning.The lesson is to be consistent with a prudent, balanced
approach and to take the long view.Don't
take money you may need in the next few years and invest it in the capital
markets.You may not be
rewarded over short time horizons.History tells us a very different story over very long time horizons.No one has a crystal ball with the ability to predict
the future, but if the future is similar to the past, the markets provide
inflation protection and the opportunity to create real wealth (beyond
inflation) over long periods of time.
Make infrequent changes
Frequent changes can actually be detrimental to your
results.Particularly for
individuals, selecting high turnover actively managed mutual funds, engaging
in market timing, and attempting security selection, can be a losing
proposition.Once you have
chosen an asset allocation and deployed your funds into the markets, there
is little reason to change course suddenly.Occasional rebalancing may be necessary, but daily, weekly, or
monthly changes are often unnecessary.Once you have chartered a prudent course, stay the course and don't
waiver.
Begin with the end in mind
To plan to hit a target in the future, it is beneficial
to begin with the end in mind.Try
to determine, in advance, how much you desire to accumulate and by when.Then work backwards to determine, using reasonable and/or
conservative assumptions, how much you will need to save or invest each
month in order to reach your target.Saving too much robs you of current enjoyment.Saving too little robs you of your long-term economic security.Lofty financial goals are not like items on your “todo” list
which you can quickly accomplish and check-off your list.Setting reasonable, attainable goals and taking a balanced long-term
approach to achieving them is the key.
Avoid holding concentrated equity positions
For one reason or another, people often times find
themselves holding concentrated equity positions. Sometimes this happens
because of stock option grants, restricted stock grants, the nuances of 401k
employer matches, employee stock option plans, and other executive
compensation.Sometimes people
have an affinity for a particular stock.Others sell their businesses to publicly traded companies in exchange
for the firm's stock.Regardless
of how you find yourself holding a concentrated position, if you are one of
these people, it is worthwhile to pause and reflect on your current position
to determine if that is a risk you are willing to assume.The allure of holding a concentrated position is the tremendous
upside potential that can be associated with having all your “eggs in one
basket.”The upside potential
may often exist but it comes with significant downside risk as well.This risk is often referred to as single-stock risk.Generally speaking, is is advisable to eliminate or reduce this risk
if possible and hold a properly diversified portfolio.
Stick to the basics, practice the basics, and master
the basics
Finally, it is helpful and comforting to know that
successful financial/investment planning does not need to be complicated.In contrast, sometimes the most effective results come from sticking
to the basics, practicing the basics, and mastering the basics.Individuals can certainly benefit tremendously from working with a
professional, especially when the amounts of money involved become
significant.Still, if they
desire, many people can implement very effective investment programs on
their own.Vanguard, as one
example, provides numerous high-quality low-cost index funds which everyone
can utilize to implement their personal investment policies.If you would like to learn more about this topic, I suggest reading
some of the books I've listed in the “Recommended Books” section of my
website (within the “Resources” section).The education you will receive will benefit you for a lifetime.
About Rohit Kalra, CPA
As the founder and managing
partner of Agora Growth Advisors, CPAs, P.C., Rohit concentrates on highly
personalized accounting, tax, and financial planning services for businesses
and individuals. Rohit's prior experience includes serving private companies
and ultra high-net worth individuals at PricewaterhouseCoopers, corporate
accounting/finance at a privately-held government contracting firm, and
strategy consulting at a boutique management consulting firm.Some of his previous clients include the nation's premier private
companies and U.S. billionaires.Rohit's
diverse background affords him the unique opportunity to leverage his
knowledge of accounting, business, tax and investment strategies when
working with clients.For more information, please visit his website at www.agoraadvisors.com
8. Kettlebell Jerks And A Whole Lot More: Kettlebell Training Benefits
For Busy Moms
By Maya Garcia
I recently had an opportunity to interview my dear friend and U.S.
Master of Sport, Bonnie Mullaney. In this video, she performs 153 jerks
with the purple (20kg) in ten minutes. She is not only one of the most
amazing female competitors to grace the bell, but also a dedicated
full-time mom! Below, Bonnie shares her personal experience and insights
on integrating Kettlebell lifting into her life. Enjoy.
Maya
_______________________________________________ Why do you think moms in particular would benefit from kettlebell
lifting?
Kettlebell is a good sport for anyone to do, but I think it is ideal
for any mom. Moms usually have a little extra, unwanted weight to get rid
of, and a whole lot (of self) to gain back. I think the mental benefit
from kettlebell lifting is almost more important than the physical
benefit. You get a humble dose of self confidence and a mental strength
that carries over into your every day life.
Most moms need all of the benefits that kettlebells have to offer:
weight loss, mental strength, physical strength, social exposure, and
more. It’s common for moms to feel guilty about doing anything for
themselves too. It’s a strange feeling to all of a sudden one day have
your whole existence be based on the wellbeing of your tiny baby. I felt
extremely guilty leaving my baby one to two hours a day to do kettlebells.
Colby was only 6 weeks old when I started. It was a weird feeling leaving
him that young even for just a couple hours. He was always with his
grandma or father and always had a pumped bottle. I knew he was safe and
healthy, but I still felt like I should be home taking care of my baby,
not “playing” at the gym. I didn’t realize how much kettlebells
would influence my life as a mother. It made me a happier, a more
confident person, which made me a happy, better mother. My main goal in
life is to be a good mom. Every other goal I have is secondary to that. I
believe anything that makes you a better mother, you should try.
What has been your solution to balancing mommy time with
training time?
Preparation… As long as I have all my daily responsibilities taken
care of, then I don’t stress or feel guilty about doing things for
myself such as kettlebell lifting. I’m not extremely organized or
neurotic about my house being clean, but as long as there is food on the
table and in the fridge, there are clothes to wear, and the bills are
paid, then I can justify taking some time out of the day for myself. Guilt
has been a huge, unexpected factor of being a mom. Since day one I felt
guilty about doing or buying anything for myself because suddenly you have
somebody else to think about 24-7. One of the most important things I have
learned is that you must make some time for yourself to do something you
love because if you are not happy, it will directly impact your family. A
happy family starts with happy parents!
Does your son watch you train/compete? What does he know about
kettlebells?
He doesn’t watch me train because I wouldn’t get anything done, but
he has gone to all my events. Everything we do is as a family. We go to
Jason’s [her husband] softball and motocross races and my kettlebell
events together. Jason has supported me like I have supported him. I would
never want to leave either one of them at home. They both give me so much
motivation. It is so important to me to have them there. At the national
event in Vegas last May, Jason took care of Colby all day and made sure to
have Colby in the room with me when I did all my events. He also had
flowers delivered to our hotel room. Colby had fun and got to play with
the kettlebells on the stage. I have a couple pictures where his tongue is
hanging out because he’s concentrating so hard on picking up the giant
bell. Having them there brings a whole other element to the trip; another
level of emotions. I still would have been happy even if I didn’t win
because I had my family there. The best part of having them there was
right after each event they would give me a giant hug that made me feel so
special and loved.
Maya and her husband Steve have an incredible training facility
in the San Francisco, CA area. Make sure you check it out at www.icechamber.com
9. Aggressive Strength Equipment Recommendations
Lifeline USA Kettlebells
Lifeline Kettlebell FAQ
Q: I have one Dragondoor bell, can I use a Lifeline USA bell with the DD one for double work?
A:Yes it should not be a problem at all. While the LL bells have slightly thicker handles, the bell is pretty much the same size and will not be an issue.
Q: Can the smaller ladies bells be used for Renegade Row?
A:While the smaller bells look like real kettlebells (no plastic thin handles) I do not recommend anything below 35lbs for Renegade Row. It becomes too much of a stability issue with very light bells.
Q: Do the handles have the slick smooth epoxy coating that DD bells have?
A:Nope, I made a point of having LL avoid the slick handles. They are smooth enough that they will not tear up your hands and rough enough that they will not fly out of your hands on high repetition work.
Q: How big is the 97lb bell?
A:Around the same size as DD's 88lb bell. I love the 97s for double work!
Q: How is the quality?
A:I am very happy with the quality. The bells went though strict quality control measures and passed with flying colors. I could put my reputation behind any bell on the market and chose to do so with the LL bells. I have been training with them for
two years and love them. I know you will as well.
Lifeline USA Power Wheel (The Best Ab Training Tool Period!)
Tired of boring ab workouts that are getting you nowhere? Get a Power Wheel and take your core strength through the roof! This is the
ultimate ab wheel and a great device for building a strong mid section. Far more than just another ab wheel, with the Power Wheel, you can
do a variety of killer core and upper body exercises.
The Ultimate Sandbag
This Sandbag is by far the best one on the market. No other model even comes close. No more sand showers with this baby! In addition it
has handles on it which come in handy for cleans, presses, and tons of other great exercises. Sandbag training rocks for variety or as a
stand alone training system. It hits your body in ways that no other training system can duplicate. If you love kettlebell training, you will
love Sandbag training.
Jungle Gym
Do you workout at home? Travel a great deal for work? Do you enjoy bodyweight training? If yes to any of the above you will love the Jungle
Gym. Great way to blast the upper body (both pushing and pulling muscles) and work your stabilizer muscles like crazy. Be prepared to shake all
over the place when you do pushups with this killer training tool. In addition to being very portable it is inexpensive and like all other
Lifeline USA products it is built to last. Get one today.
TNT Cable
Lifeline USA's TNT Cable is the ultimate strength enhancement tool for learning forced acceleration. Once you learn forced acceleration
you will be able to blast through sticking points and learn what powerlifters call one gear strength. This means slamming a weight up from
start to finish in one smooth manner. This is a great product for increasing Military Press strength and allows you to do a ton of exercises
that you cannot do with any other implement. Incredible tool for building stabilizer strength and for rehab. Finally, It is a must have for
busy travelers and is the ultimate home gym for those on a budget.
Power Pushup 2
This is the ultimate tool for adding resistance to pushups. It is perfect for people that travel.
Portable Monkey Bar Gym
Are you a road warrior that is sick of lame hotel gyms. If you travel a lot you know first hand how hard it is to stay in great shape on
the road. In addition to the problem of trying to have a healthy diet on the road, keeping workouts consistent can be as hard as getting something
to eat on any airline. Instead of complaining about getting out of shape on the road, attack it first hand and get your strength and conditioning
back on track. This must have package comes with a:
TNT Cable for pressing and pulling motions
A weighted Jump Rope for building cardio and stamina
The incredible "Jungle Gym" for hardcore pushups and pull-ups
Power Up Chin-Up door attachment which turns any door into a pull-up bar
This package will provide everything you need to stay in great shape on the road, at home, or even at the office. A great training tool for
busy executives, athletes, and house wives a like. get it now.
10. Aggressive Strength Product Recommendations
SUN WARRIOR RICE PROTEIN
Finally a protein powder that is organic,
tastes great, and will not cause nausea and have you running to the
bathroom with the runs!
“Over the last couple years, Mike has always passed along
sound nutritional advice that has positively affected my performance.
Recently, I mentioned that I was having trouble finding a protein
powder I was happy with. Mike recommended Sun Warrior Protein
and I have been very satisfied with the results. It’s a high quality
supplement with a good amino
acid profile that doesn’t produce many of the negative side effects
(ex. bloating) associated with most protein
powders.”--Ken Blackburn Director of Operations for the IKFF www.ikff.net
Meditation is one of the best things you can do to relax your mind and handle stress more effectively. High stress equals low DHEA, testosterone, and GH levels. You must get a handle on stress to be at your best. My online client Les Larson told me about this program and after only a few weeks I am hooked.
Just listen to the program for 30-60 minutes per day and you will notice a difference after a few days. After a week you will look forward to each session. I like to use it after working out or before going to bed. Check it out at:
Kettlebell Workshop DVD Bundle – Mike Mahler’s Beginniner Kettlebell Workshop PLUS The Boys Are Back in Town Kettlebell Workshop
Only $179.95 ($189.95 for International Orders).
The Complete Mahler Collection – Fat Loss and Mental Toughness, Size and Strength, AND Speed and Explosive Strength
Get all four of Mike Mahler’s best-selling kettlebell training DVD’s: the Kettlebell Solution for Fat Loss and Mental Toughness, The Kettlebell Solution for Size and Strength, and Kettlebell Solutions for Speed and Explosive Strength and The Beginner Kettlebell Workshop together for only $119.95 ($129.95 for International Orders).
Kettlebell DVD Bundle - Fat Loss and Mental Toughness, Size and Strength, AND Speed and Explosive Strength
Get all three of Mike Mahler’s best-selling kettlebell training DVD’s: the Kettlebell Solution for Fat Loss and Mental Toughness, The Kettlebell Solution for Size and Strength, and Kettlebell Solutions for Speed and Explosive Strength together for only $99.95 ($109.95 for International Orders).
Kettlebell DVD Bundle - Fat Loss and Mental Toughness PLUS Size and Strength
Get Mike Mahler’s best-selling kettlebell training DVD’s: the Kettlebell Solution for Fat Loss and Mental Toughness plus The Kettlebell Solution for Size and Strengthtogether for only $59.95 ($69.95 for International Orders).
Kettlebell Solution for Fat Loss and Mental Toughness PLUS Kettlebell Solutions for Speed and Explosive Strength
Get both the Kettlebell Solution for Fat Loss and Mental Toughness and Kettlebell Solutions for Speed and Explosive Strength DVD's together for only $59.95 ($69.95 for International Orders).
Kettlebell Solution for Size and Strength PLUS Kettlebell Solutions for Speed and Explosive Strength
Get both the Kettlebell Solution for Size and Strength and Kettlebell Solutions for Speed and Explosive Strength DVD's together for only $59.95 ($69.95 for International Orders).
Lifeline USA Kettlebells
The marketplace is finally ready for a high quality kettlebell at a great price.
Kettlebell Weights Available:
4 Kg (8.8 lb)
8 Kg (17.6 lb)
12 Kg (26.4 lb)
16 Kg (35.2 lb)
20 Kg (44 lb)
24 Kg (52.8 lb)
28 Kg (61.7 lb)
32 Kg (70.4 lb)
36 Kg (79.2 lb)
40 Kg (88 lb)
44 Kg (97 lb)
I have no doubt that you will love these kettlebells and you cannot beat the price!