Author Archives: ernie

5 Tips For Booking a Motivational Speaker

Several essential factors must be considered when booking a motivational speaker for your event or organization. Here are five suggestions to help you in the process:

  1. Clearly Define Your Objectives: Before looking for a motivational speaker, clearly define your objectives and what you hope to achieve through your presentation. Are you looking to inspire and motivate your team, provide industry-specific insights, or address specific challenges? Understanding your goals helps you find a speaker who aligns with your needs.
  2. Research and Evaluate Speakers: Conduct a thorough investigation to identify potential speakers who specialize in the topics you are interested in. Look for experienced speakers with a proven track record of delivering engaging and impactful presentations. Read their testimonials, watch their videos, and review their past speaking engagements to assess their style, expertise, and ability to connect with audiences.
  3. Consider Audience Relevance: Consider the demographics and interests of your audience when selecting a motivational speaker. Ensure that the speaker’s message and style resonate with your audience. A speaker who understands and can relate to your audience will deliver a compelling and relevant message more effectively.
  4. Check for Flexibility and Customization: A great motivational speaker should be able to tailor their presentation to meet your specific needs. Discuss your event requirements, themes, and special requests with the speaker beforehand to ensure they can adapt their content to your audience. Flexibility and customization will make the presentation more impactful and relatable.
  5. Inquire About Support Materials: Ask the speaker if they provide any additional resources or support materials that can enhance the impact of their presentation. Support materials could include handouts, slides, or access to online content. These materials help reinforce the speaker’s message and inspire and motivate your audience even after the event.

Remember to communicate clearly with the motivational speaker about your expectations, logistics, and other essential details to ensure a successful and memorable event.

Why is there so Much Smoke Residue and Little Fire damage

You might observe a significant amount of smoke residue and relatively minor fire damage in a particular situation for several reasons. Here are a few possible explanations:

  1. Fire Suppression Systems: If the building or area where the fire occurred was equipped with fire suppression systems, for example, sprinklers or fire extinguishers, they might have effectively controlled or extinguished the flames before they could cause extensive damage. In such cases, the smoke generated by the fire can still spread throughout the space, leaving behind residue while the fire itself is contained.
  2. Firefighters’ Intervention: Prompt and effective intervention by firefighters can help minimize fire damage. Firefighters are trained to extinguish fires swiftly and efficiently, using techniques and equipment to reduce structural damage. They may employ ventilation, containment, and targeted water application to prevent the fire from spreading and causing extensive destruction.
  3. Building Materials: The materials used in building construction can also influence the amount of fire damage. Fire-resistant materials, such as concrete, fire-rated walls, or fire-resistant coatings, can slow down the spread of flames and reduce the overall impact of the fire. In these situations, even if there is a significant amount of smoke residue, the actual fire damage may be limited.
  4. Rapid Response: A quick response time from the fire department can make a significant difference in limiting fire damage. If the fire is reported promptly and firefighters arrive on the scene quickly, they can mitigate its effects before it can fully engulf the area. In such situations, the fire may not have had enough time to cause substantial damage, but the smoke residue remains.

It’s important to note that the observations you mentioned can vary depending on the specific circumstances of the fire. Each fire incident is unique, and factors such as the size, duration, location, and available firefighting resources can all influence the amount of smoke residue and fire damage observed.


SEO Services for Agency

SEO services, or Search Engine Optimization services, refer to a range of activities and strategies designed to improve a website’s visibility and rankings on search engine results pages (SERPs). The primary goal of SEO activities is to increase organic, non-paid traffic to a website from search engines like Google, Bing, or Yahoo.

SEO services typically include the following components:

  1. Keyword Research: Identifying the phrases and keywords that potential customers or visitors will likely use when conducting searches for products, services, or information related to a website’s content.
  2. On-Page Optimization: Optimizing various elements within a website to make it more search engine-friendly. On-page optimization involves optimizing meta tags, headings, content, URL structures, and internal linking.
  3. Off-Page Optimization: Building high-quality backlinks from external websites to improve the website’s authority and credibility in the eyes of search engines. Off-page optimization may involve content marketing, outreach, social media promotion, and guest blogging.
  4. Technical SEO: Ensuring a website has a solid technical foundation that search engines can crawl and index effectively. Technical SEO includes optimizing site speed, fixing broken links, improving mobile-friendliness, and implementing structured data markup.
  5. Content Creation: Developing high-quality, relevant, and engaging content that satisfies the needs of both search engine algorithms and website visitors. Content creation includes blog posts, articles, videos, infographics, and other forms of content that attract and engage users.
  6. SEO Audits and Reporting: Conduct regular audits of a website’s SEO performance, identifying areas for improvement and providing comprehensive reports on keyword rankings, traffic metrics, and other relevant data.
  7. Local SEO: Optimizing a website to target local search queries and improve visibility for location-based searches. Local SEO implementation is essential for businesses with physical locations or those targeting specific geographical areas.

SEO services are typically provided by SEO consultants or agencies with expertise in optimizing websites for search engines. The specific strategies and techniques employed may change based on the target audience and the goals of the website.

Why is My Check Engine Light On

The check engine light in your vehicle’s dashboard illuminates when the onboard diagnostic (OBD) system detects a potential engine or emissions system issue. The OBD system monitors various sensors and components in your vehicle to ensure they function correctly and meet the required specifications.

Many faults can cause your check engine light to be on, ranging from minor issues to more severe problems. Some common causes include:

  1. Loose or damaged gas cap: A missing, damaged, or loose gas cap can cause the check engine light to come on. It’s one of the most straightforward issues to resolve, as simply tightening or replacing the cap can often solve the problem.
  2. Oxygen sensor malfunction: The oxygen sensors measure the amount of oxygen in the exhaust system, helping regulate the air-fuel mixture. A faulty oxygen sensor can reduce fuel efficiency and cause potential damage to the catalytic converter.
  3. Malfunctioning catalytic converter: The catalytic converter helps reduce harmful emissions by converting them into less toxic substances. A failing catalytic converter can trigger the check engine light and may require replacement.
  4. Faulty ignition coils or spark plugs: These components ignite the fuel mixture in the engine. When they malfunction, it can lead to misfires, reduced engine performance, and increased emissions.
  5. Issues with the (MAF) mass airflow sensor: The MAF sensor measures the engine’s air entering, determining the correct fuel-to-air ratio. A malfunctioning MAF sensor can affect engine performance and trigger the check engine light.
  6. Problems with the (EGR) exhaust gas recirculation system: The EGR system helps reduce emissions by recirculating some exhaust gases into the engine. If it malfunctions, it can cause rough idling, diminished power, and increased emissions.

These are just a few reasons the check engine light turns on. It’s essential to have a diagnostic scan performed using a specialized OBD scanner or by taking your vehicle to a qualified mechanic. The scan will retrieve error codes stored in the OBD system, providing more specific information about the issue. With the error codes, a professional can accurately diagnose and address the problem, ensuring your vehicle operates optimally and safely.

5 Reasons to Hire a Motivational Speaker Your Company Event

Hiring a motivational speaker for your company event can have numerous benefits. Here are five reasons you should bring in a motivational speaker:

  1. Inspire and Motivate Employees: Motivational speakers are experts at delivering powerful messages that inspire and motivate individuals. They can share personal stories of success, resilience, and overcoming challenges, igniting a sense of purpose and determination in your employees. By listening to a motivational speaker, your team members can gain a renewed understanding of motivation and drive, positively impacting their performance and productivity.
  2. Foster a Positive and Engaged Work Environment: A motivational speaker can help create a positive and engaged work environment by uplifting the spirits of your employees. Their energizing presentations and messages can boost morale, encourage teamwork, and enhance employee satisfaction. Individuals who feel motivated and engaged are more likely to collaborate, communicate effectively, and contribute to a positive workplace culture.
  3. Provide Fresh Perspectives and Ideas: Motivational speakers often bring unique perspectives, experiences, and insights. By exposing your employees to these fresh ideas, they can gain new ways of thinking and problem-solving. A motivational speaker can challenge conventional thinking, encourage innovation, and push your team members to step outside their comfort zones. This can lead to increased creativity, improved decision-making, and a culture of continuous improvement within your organization.
  4. Address Key Issues and Goals: A skilled, motivational speaker can tailor their message to address specific challenges or goals within your company. Whether you want to improve teamwork, enhance leadership skills, or increase sales performance, a motivational speaker can deliver a customized presentation that directly addresses these issues. By focusing on the specific areas that need improvement, a motivational speaker can help your employees gain the tools and strategies to overcome obstacles and achieve their goals.
  5. Enhance Personal and Professional Development: Motivational speakers often offer practical tips, techniques, and personal and professional growth strategies. They can provide valuable insights into goal setting, time management, communication skills, and building resilience. By attending a motivational speaker’s session, your employees can develop new skills, improve their self-confidence, and gain a broader perspective on their potential. This focus on personal and professional development can lead to long-term benefits for your employees and your company.

Hiring a motivational speaker for your company event can significantly boost your employees’ motivation, engagement, and personal growth. Their inspirational messages, unique perspectives, and practical insights can leave a lasting affect on your team members, leading to improved performance, enhanced workplace culture, and increased success for your organization.

Don’t Let Wish Full Thinking Ruin Your Retirement

Don’t Let Wishfull Thinking Ruin Your RetirementOne of the easiest ways to ruin your retirement is to avoid reality. What do we mean by that statement? Don’t let wishful thinking ruin your retirement! For example, believing you will win the lottery is one of the most obvious. Many people believe or hope they will win the lottery. The reality is that only an extremely small percentage of people will win a lottery. Of those that do, most squander their cash long before they retire. We have identified and covered several other areas later in this post. If you fall into any of these kinds of wishful thinking traps, it is time to step back and assess your chances. Will you have a comfortable retirement with the real money that you will have during your retirement?

Don’t Let Wish Full Thinking Ruin Your Retirement

It will all work Out Just Fine

Many people have this approach and just do not worry about the future. The reality is that unless you take specific action, there is a good chance you will be poor in retirement

The Market Goes Up Every Year

The market does not go up every year. Just look at the years 2000-2001, 2008-2009 and even more recently 2018 to date. There have been significant declines in these years. Over the long term the market on average has increased. But what do you do when you need funds and the markets are down in a specific year?

Don’t Let Wish full Thinking Ruin Your Retirement – Maybe I will Inherit Money

With baby boomers retiring and passing along a great deal of wealth there is a good chance you will inherit something. But will it be enough? How much will you actually receive after taxes are paid on the estate, legal fees and distribution to other heirs. Probably not that much and certainly not enough to retire on.

I have Lots of Equity in my Home

You may indeed have lots of equity in your home. Will you down size? Will you sell and rent? You have to live somewhere.  Real estate sometimes can decline as well.  Will you have sufficient equity that you can access to pay the bills etc.

I Have a Business, I will Fund My Retirement

Will your business continue to thrive until retirement? Can you sell it or will you have to work well into retirement to generate sufficient income? Develop a transition plan for your business and yourself to ensure there is something for you from your business.

Saving When There are no Expenses

There are always expenses. There are always repairs needed on the house, the car, or even health bills. they never seem to go away. Start setting aside money to save now and don’t stop.

Planning to Make More

That raise, that promotion etc. will allow me to save more or start saving. What happens if you get laid off? Companies downsize all of the time. Other people get the promotions. Don’t count on the promotion etc. Stat saving now.

Don’t Let Wish full Thinking Ruin Your Retirement = Win Big on a Sure Thing

An investment that is going to pay really well may not turn out. A business venture that may or may not work. Real estate investments that take longer to appreciate than planned. All of these can happen, but they have a very high risk associated with them.

Avoid wish full thinking and live in today’s reality. Start saving immediately for retirement. If some of these areas do turn out, you got lucky! Don’t Let wish full thinking ruin your retirement

A Relationship Playbook for Couples in Retirement

A Relationship Playbook for Couples in RetirementIs your relationship with your spouse in good shape? Can it survive your retirement and that of your spouse? Many people are retiring, suddenly finding that they have lots of time. Time with their spouse, which they may have not had in the past. Busy schedules, children to raise, etc., all take time, and suddenly, that is all gone. Now you have all of this time available. You may spend it with your spouse you thought you knew well. Do you need a relationship playbook for couples in retirement?

A Relationship Playbook for Couples in Retirement

Everyone has to figure out what is right for them. It is also different for each person. There can be a lot of emotion. Everything from distress at leaving friends at work to spending time with your spouse who is also dealing with the same issues. Financial affairs can add stress to the relationship. Different objectives can also be an issue. What should couples focus on as they enter their retirement years?


While you may think you know your spouse well after all the years together, it is still important to communicate well. There are a lot of things changing in both of your lives. Making assumptions about what the other is thinking is just asking for trouble. Take the time to discuss everything, even if it is just to confirm what you believe your spouse is thinking.

Setting Objectives

Set objectives for yourself and your spouse together. Discuss them and adjust them as needed based on input from your spouse. Joint objectives can be powerful, especially when you are both committed. Your objectives can also significantly impact your financial affairs, bringing us to the next section.

Playbook for Couples in Retirement – Setting a Budget

Create a budget together and ensure that you are both committed and supportive. Can you accommodate each other’s objectives, or do you need to adjust your plans? Downsizing, travel, and going back to work are just a few of the assumptions that should be discussed. What about home renovations and maintenance issues that may have to be dealt with?

Hobbies and Friendships

Cultivate new hobbies, pick up on old hobbies, and build new friendships together and separately. These all provide something to discuss with your spouse at the end of the day. It also fills your time, which can be stressful for one or both of you.

Spending Time Together

Many people look forward to spending more time with their spouses. Others are worried because they may not have that much in common other than the kids. Some will schedule a time during the day separately from nine to five so that they can meet up later in the day and discuss their days activities. Figure out what works for each other and discuss it with your spouse. Be prepared to make changes and adjustments as time goes on.

Challenges Are Different for Men and Women

The challenges can be different for men and women for many reasons. From the type of job, they had to how much time they spent at home looking after the kids. Many couples find that if they divide household chores more evenly, pursuing new hobbies and activities can make a difference.

Playbook for Couples in Retirement – Time to Adjust to your New Lifestyle

It could take a few months or even as long as a year to adjust to your new lifestyle. Be prepared to be patient. Focus on communication and making changes to adapt to being retired, especially where your spouse comes in. Remember that both of you are adjusting to having more time off work and spending more time with each other. Your spouse could need more time to adjust than you do.


Five Retirement Issues

Five Retirement IssuesEveryone should consider five fundamental retirement issues if they are going to retire anytime soon! Savings, income, expenses, health, and time management. If you have a plan for each that meets your needs in retirement, you are well on the way to a successful and satisfying retirement. Many people only think about retirement once they are heading out the door. Either voluntarily or forced out in a corporate restructuring or downsizing. Don’t wait; develop your plan now!

Five Retirement Issues

Have You Saved Enough

How much income will your savings generate? Post-investment advisors assume 4%. It can be drawn down each year. This number assumes a reasonable probability that your savings will last well into retirement. Will you have enough when you add income from other sources, such as pensions? If not, keep working and beef up your savings.

Verify Your Income

How much income will you have in retirement? Add up the income from your savings, pension, investments etc. How does this number compare to your current income? If not enough should you work longer, save more etc?

Review Your Budget

Review your budget now and how it will change post retirement. What expenses will disappear? Will you have new expenses? Travel, new car, home renovation, upgraded and health issues come to mind.

Time Management

Most people will have up to ten hours every day to fill which were originally filled by work. How will you fill these hours after you retire? Many people find it difficult after all the travel and the Home projects are completed. What is your long term time management plan?

How is Your Health

Your health can play a huge factor in retirement. Not only in terms of enjoyment but also from a budget perspective. Be realistic and plan accordingly.


How to Make Sure You Have Enough Money to Retire

how to make sure you have enough money to retireThe traditional answer to the question, “how to make sure you have enough money to retire”, used to be 4% and 70%! For starters many planners felt that if you had 70% of your pre-retirment income, you were in good shape. Less expenses such as commuting costs, clothing, lunches etc. meant that you did not need as much income. They also felt that if you withdrew 4% of your assets saved for retirement you had a better than 90% chance of your money lasting for the rest of your life. Many investment advisers are feeling that these rules need to change. Demographics are changing.

For example everyone is living longer, men on average now live 19 years after they retire at 65. Women live 23 years on average after 65. Many will also need elder care. In fact 7 in 10 people will need help and will need the funds to pay for the services they receive. Today many also carry debt into retirement, which will need to be planned for as part of their retirement years. Although inflation is well under control and has not matched the high teens back in the 80’s. Inflation still adds up at two or three percent every year. And then there is the cost of health care which is slowly increasing at a rate above the inflation rate.  We believe it is time to save more and we have five rules to consider.

How to Make Sure You Have Enough Money to Retire

Here are 5 rules to consider that may be helpful. While it is not fun and exciting, These rules will help answer the question, how to make sure you have enough money to retire.

Track all of your expenses now while you are still working. Identify those that will continue after retirement and make adjustments to your retirement budget accordingly.

Try living as if you are retired now on a 70% budget. You may have to make adjustments to current spending habits and generally adopting a less expensive spending profile.

Increase your savings to a level that can provide you with five or six  percent of your annual salary pre-retirement. The more you can save, the better off you will be. Six percent of a million dollars is $60,000 a year. Can you live on that?

Check  out your post retirement income. How much will come from social security, how much will come from your company pension? Knowing these numbers, you may find that your current savings may be in line with what you need to retire.

Invest to generate income, diversify, avoid high risk investments and stick to blue chips. Avoid reacting to the market ups and downs. Focus on equities with a strong history of paying dividends, year after year. They should have a history of increasing those dividend every year. Although not guaranteed, these are auto raises for you in the future.

Retire and then Go Back to Work

We are vacationing in Palm Springs California for several months and have had the fortunate experience of meeting people from all walks of life. Most are retired, although a few are still working and just spending a week or two here. Several have indicated they will retire and then go back to work. They all are renting condo’s in the property where we are. It is called La Palme, on El Ceilio Road. There are 225 units, 6 pools, 6 hot tubs, 3 tennis courts and lots of above ground parking.  A nice place and very enjoyable, but then I digress. Retire and then Go Back to Work! What? That is what I really want to talk about today in this post.

Retire and then Go Back to Work

One couple we met at the pool retired when he was 51. He had started a company and as it turned out was very successful. The company made a lot of money when he sold out and basically from a financial perspective will never need to work again.

He told me that he did nothing really for the first five years other than investing his cash from the sale of his business. He found that after five years he really missed the challenge, the social element, the technical aspects of his business etc. Most of all he was worried that his mind was getting stale and he was forgetting things.

Many of us focus on exercising our bodies to stay in shape and feel better about ourselves. We forget that our brains are just another muscle and need to be exercised as well. He was worried that if he did not do something he would lose it. This individual also needed the challenge in his life. He wanted to feel that he could still make a contribution in life.

He decided not to go back to work, but he did decide to get involved as a consultant to several companies and he volunteers on several organizations in the community. This approach made him feel worthwhile again and people recognize his contributions as well. This is what worked for him. While it may not be right for everyone, the point is that you cannot just retire and do nothing.

Get involved and support your community, go back to work part time, focus on your investments and retire and then Go Back to Work or do wherever your interests take you. For more thoughts about lifestyle issues in retirement, click here.