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In the Preface of this 7-part series of blogs, I explained that my daddy was always a salaried employee, yet by following seven rules he went from being recently out of college to a millionaire-plus twenty-five years later. My mom never worked, and they fully-funded the education of their two sons. He passed away in 1980. I suggested that with the 2010 New Year ready to begin, this would be the perfect time for each of us to initiate Daddy's 7 Rules for Securing Your Financial Future. Here, stated again, are the rules: Save at least 10% of your gross income Know (2 comments)
A.A. BOWERS -- WORK ETHIC OF A GENERAL CONTRACTOR - 12/30/09 03:54 PM
There are a number of my high school friends who live in Dallas. Two of them, Martin Bowers and Erben Schuldt, join me for lunch from time to time to talk about what it was like to grow up in Galveston, and to discuss our Ball High School friends. Martin and his brother, Ralph, were excellent students. Martin is a mechanical engineer with an MBA. Ralph is a civil engineer who had an appointment to one of the military academies, but washed out when his entrance medical found he had an astigmatism. Martin and Ralph's daddy. A.A. Bowers, was a general contractor (2 comments)
DADDY'S 7 RULES FOR SECURING YOUR FINANCIAL FUTURE - PART 3 - 12/29/09 08:57 PM
In the Preface of this 7-part series of blogs, I explained that my daddy was always a salaried employee, yet by following seven rules he went from being recently out of college to a millionaire-plus twenty-five years later. My mom never worked, and they fully-funded the education of their two sons. He passed away in 1980. I suggested that with the 2010 ready to begin, this would be the perfect time for each of us to initiate Daddy's 7 Rules for Securing Your Financial Future. Here, stated again, are the rules: •· Save at least 10% of your gross income •· Know about, (4 comments)
DADDY'S 7 RULES FOR SECURING YOUR FUTURE: PART 2 - 12/29/09 12:47 AM
In the Preface of this 7-part series of blogs, I explained that my daddy was always a salaried employee, yet by following seven rules he went from being recently out of college to a millionaire-plus twenty-five years later. My mom never worked, and they fully-funded the education of their two sons. He passed away in 1980. I suggested that with the 2010 ready to begin, this would be the perfect time for each of us to initiate Daddy's 7 Rules for Securing Your Financial Future. Here, stated again, are the rules: Save at least 10% of your gross income Know about, understand, and (3 comments)
DADDY'S RULES FOR SECURING HIS FAMILY'S FUTURE - 12/28/09 07:05 AM
PART 1 - THE PREFACE AND PRINCIPALS This coming Friday, we all have the opportunity to correct our financial indiscretions and begin methodically securing our financial futures. Friday is the beginning of the New Year of 2010. My daddy, William W. Cherry, passed away unexpectedly twenty-nine years ago; in fact on December 19th. He would have been 72-years old the following February 7th. I'm telling you that because it will put this into prospective: 1) my daddy was always a salaried employee, 2) he became a millionaire, and 3) starting from scratch, he accomplished his financial goal by following these rather uncomplicated rules: Save at least (6 comments)
Often I wonder about the genesis of specific parts of my childhood. Perhaps many of them were based on my parents living and raising their family on one salary, choosing for my mom to always be at home and available for my brother and me. My daddy was an executive with a major life insurance company, but insurance companies and banks were not generous employers back then. For sure, though, our clothes and shoes were always the best available; the best brands and from the best stores. Luxuries, on the other hand, were not plentiful. A good deal of that could (7 comments)
MERRY DALLAS WHITE CHRISTMAS FROM THE CHERRYS Snow began falling Christmas Eve about noon, and the flurries continued through the remainder of the day and into the night. We went to a 5 o'clock service to celebrate the birth of Jesus and the message He left behind. Then to the family dinner hosted at their home by Patty's son and daughter-in-law, Randy and Susan Norman. There were six adults along with three of the children. Randy and Susan are both accomplished chefs, so you can imagine the spread. My famous "Hit 'em Up, Knock Their Socks Off Eggnog" had (9 comments)
ASSOCIATIONS OF REALTORS MANAGEMENT PRACTICES ANNOY ME. - 12/23/09 09:46 PM
Associations of Realtors have always operated in a manner that annoys me. Those of any size have one or more salaried professional staff members who handle the day-to-day management. The elected officers and directors are normally a fairly impotent group when it comes to directing the management. After all, the terms are short. I suppose most or all presidential terms are for one year, for an example. By the time the president gets a handle on what's going on, his term is up. The beginning promises and the reconciliation of what was accomplished by year-end are usually vague. And then it's (7 comments)
What Happened to Evelyn Hughey? - 12/21/09 10:15 PM
In the late 1950s while I was a student at Tulane in New Orleans, I hosted the iconic evening radio program on WWL-AM called, "American Airlines Music 'til Dawn." My studio was in a furniture store's show window on Royal Street. About four blocks away, a young talent named Al Hirt was entertaining nightly with his group at Dan's Pier 600, on the corner of Bourbon and St. Louis.I loved Al's group's music, so I frequently wandered in there after my radio show for a drink. Sometimes I would be invited to sit in on the piano for a couple of (2 comments)
THE REAL ESTATE TRANSACTIONS THAT TROUBLE ME - 12/21/09 09:05 PM
There are three types of real estate transactions I've never been happy about: Builders being allowed to employ and use as their sales staff, persons who are not licensed real estate agents or brokers. Builders not being required to use state promulgated contract forms Attorneys and relocation firms being allowed to gut the promulgated earnest money contracts through long, verbose addenda When I first received a Texas Real Estate Broker's License in 1964, we were allowed to draft our own contracts, without the assistance of legal counsel. Realtors frequently used a contract format that had been drawn and suggested for use by (60 comments)
9935 Windlake Circle Our Dallas neighbors across the street are Bill (William B, II) and Betty Vandivort. Bill's a CPA who offices at home, and Betty's a retired public school teacher who has never stopped working. Bill's also very active in city politics, the Republican Party, and as a fund raiser for his alma mater, Austin College in Sherman, Texas. He and Betty are both Dallas natives. And I need to throw in that their daughter is a Presbyterian minister. And one more thing, Bill has a fantastic tenor voice. He was one of the founding voices of Dallas' (4 comments)
A service station owner in Rockwall, Texas had this to say.
BILL CHERRY, REALTORS DALLAS - HIGHLAND PARK 214 503-8563 WEB (3 comments)
YOUR LIFE INSURANCE BENEFITS: GOING TO THE WRONG PERSON? - 12/18/09 05:42 AM
There is a universal rule of law in the United States that many people either don't know or they fail to take it into consideration. Here it is paraphrased: When you designate beneficiaries on financial contracts, those elections take precedence over how you've directed your executor or trustee to distribute your assets after you have died. Often times, for an example, people have named a spouse as the beneficiary of a life insurance policy, their Social Security benefits, bank accounts, or their retirement account. Later they divorce. Perhaps they even remarry. But they never change the beneficiary designation from their ex-spouse (3 comments)
MY FAVORITE CHRISTMAS CARD -- YOU'VE GOT TO SEE IT! - 12/15/09 07:11 AM
The Christmas Season brings so many good things. One of my favorites is getting cards from friends. My very favorite one so far this year is this one. It's from Robert and Ruth Lacquement. Ruthie is the artist. Robert is the ex-Marine who is active in the Coast Guard Reserves. The message inside says: "May this joyous Christmas Season find you surrounded by those you love." And I wish the same to you....
MENORAH (The candel in the middle is called the Shamash) Lighting the Menorah on Hanukkah is the most important Jewish custom. The Menorah is a candelabra that holds nine candles. Jews light Hanukkah candles to remember the miracle of the Maccabees' victory and the miracle of the oil that burnt for eight days in the holy Temple. It is a mitzvah (commandment from God) that Jews "publicize the miracle" by lighting a Hanukkah Menorah each night during the eight days of Hanukkah. The menorah consists of eight candle holders in a row and separate candle holder for the "Shamash" - (8 comments)
SWEET POTATO LATKES -- A HANUKKAH TRADITION - 12/10/09 02:19 PM
While eaten year around, latkes are a potato fritter that is a customary dish served during Hanukkah. Interestingly, many Jewish cooks often substitute sweet potatoes. I've found that I actually prefer the sweet potato version that I learned from our neighbor about 40 years ago. SWEET POTATO LATKES 1 pound Pealed sweet potatoes, coarsely grated similar to the thickness of hash browns 2 Scallions, finely chopped 1/3 cup All-purpose flour 2 Large eggs, lightly beaten 1 teaspoon Kosher salt ½ teaspoon Freshly ground black pepper 3/4 cup Vegetable oil Mix potatoes, scallions, flour, eggs, salt and pepper in a bowl. Heat the (7 comments)
826 WESTMOUNT AVENUE - DALLAS REDUCED TO $97,500 Because of its location to Downtown Dallas as well as the great amenities and new shops, stores, million dollar homes and restorations of the old, OAK CLIFF appears to me to be the current new area for equity appreciation. Westmount is a neat and quite street that goes over a somewhat rolling hill with lots of mature trees and landscaping lining it. It's one of the tributaries off of Ft. Worth Avenue. And if you know anything about Oak Cliff, you know that Ft. Worth Avenue becomes Dallas' famous Commerce Street as (8 comments)
AN ACTIVE RAIN GROUP OF PRAYER WARRIERS? - 12/08/09 07:35 AM
I've just finished reading a piece by Geoff Williams that intrigues me. "Last August, (Joel Gross) hung up his shingle on the Internet and created Prayer Helpers. The product Gross's company sells: prayers. If you're down and out and want someone to pray for you, you just send $9.99, and Prayer Helpers will pray for you...," Williams writes. Apparently Gross feels that with the economy the way it is today, there are a lot of people who would like to engage a multitude of Prayer Warriers who will join them in praying for the return of their business and financial well-being. (4 comments)
CHRISTIE "THE BEACHCOMBER" MITCHELL Ducky Wucky Was Santa to Crazy Frank, Pee Wee, Dirty Gertie and the Rest By Bill Cherry The Beachcomber told me this story. It happened one Christmas Eve about 10 years after the war. There was a fellow from a good Catholic family who had two talents. One was shoplifting and the other was picking pockets. The downtown merchants referred to him as Gonif, a Yiddish word that means "thief." The night people called him as Ducky Wucky. Now I can't exactly lay my hands on one distinguishing feature that made him resemble a duck, but (2 comments)
When I was growing up, there were two eggnog recipes that were both secrets and legendary. One was served every Christmas Season by the Walter A. Kelso, Srs. The family was in the concrete and building supply business as well as the heavy construction business. Mr. Kelso, for an example, supplied the concrete for the highway between Houston and Galveston, I-45. The other famous recipe was concocted by the George Sealys. They were in the cotton and banking businesses. Their home is the most photographed in Galveston. It's known as Open Gates. After much badgering of the Kelsos and the (3 comments)
NEW GUIDELINES FOR SHORT SALES QUALIFICATION - 12/04/09 11:58 AM
The Treasury Department has changed the qualification rules for homeowners who are unable to sell their homes for an amount high enough to pay off their mortgages. Apparently the government recognizes that there are many whose income or income-to-dept ratio is too low for them to qualify for the Making Home Affordable Program, which is also for the purpose of refinancing an existing loan so that payments, etc., can be put into reasonable reach of the homeowner. One of the most important parts of the new Short Sale plan is that it establishes timetables for processing, documentation as well as some (1 comments)
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