6 Ways To Stay Healthy And Improve Mental Focus

6 Ways To Stay Healthy And Improve Mental Focus

staying healthy

As the saying goes, “What’s life without your health?”.   Life is about many things, but feeling good and enjoying life are likely the most important aspects.


 Here are 6 ways to stay healthy and enjoy life:

1. Focus on preventative health care and go for regular check-ups with a primary care physician.  Preventative care refers to techniques designed to prevent diseases and injuries, rather than focusing on the treatment of symptoms or the curing of diseases.  Regularly scheduled doctor  appointments increases the probability that major health problems will be identified early and addressed quickly.  Having affordable health insurance rates allows you to visit your doctor as often as necessary for the preventative care that you and your family need and deserve.

2. Create a family budget that allows you to save money toward financial goals, such as financial freedom and avoiding debt.  In my humble opinion, one of the best feelings on the planet is knowing that you have saved a portion of your hard-earned money and built a nest-egg of cash and investments. By the way, if you’re looking for a broker to kick start your investment portfolio, check out this review here.  Knowing that you have a financial safety-net and that you have the ability to build wealth provides a tremendous confidence boost.  In addition, having a financial plan can actually lead to unique opportunities that you never had before.  Investment opportunities with attractive risk-reward profiles will tend to come your way more often and you are likely to feel more comfortable taking advantage of these opportunities because you have supplemental risk capital available to “take a chance”.

3. Manage your stress levels by finding ways to relax your mind and body.  There are several relaxation techniques(check …

6 Things You Need As A Small Business

6 Things You Need As A Small Business

Small Business Needs

For a budding entrepreneur the launching of a new business venture is one of the most exhilarating and stressful endeavours that can be experienced.   To be successful, an entrepreneur must become a master planner, organizer, marketer, leader and communicator.  It is not an easy task and it certainly does not happen quickly.  In the words of the late, great comedian Eddie Cantor, “It takes 20 years to make an overnight success.”

Although, starting and maintaining a business is around-the-clock hard work, it is totally manageable with proper planning. Here are 6 essentials for entrepreneurs and small business owners that will help transform an idea into an operating and profitable business:

Business Plan:  Think of your business as a long road trip.  You can not begin driving without identifying your destination and plotting a course to get there.  A business plan is a framework that “maps out” exactly how your business will operate and what it will take to make it a success (i.e. arrive at your destination).   The level of detail required in the business plan is highly dependent on the type of business you plan to operate.  Check out the SCORE  web site for free downloadable business plan templates that will help you to evaluate your needs and plan your business. SCORE is a nonprofit association dedicated to educating entrepreneurs and helping small businesses start, grow, and succeed nationwide.

Legal Representation: You heard me correctly, “You need a lawyer”.  When you are first starting your business there are many decisions that need to be made and these early decisions will impact your business as it grows.  One important decision a lawyer can help you with is “What type of business legal structure should you establish?”  Should you go with a Corporation, …

Eliminate Debt – 5 Great Ways To Kill Your Debt

5 Ways To Eliminate Debt

eliminate debt

1) Create a Personal Balance Sheet: The purpose of a personal balance sheet is to show you your financial picture at a specific point in time.  In a previous post I show how to create a personal balance sheet which is basically just a list of your assets (everything you own i.e. cash, stocks, bonds, house, etc…) and liabilities (everything you owe, credit card debt, auto loans, home mortgage, etc…).   By creating a balance sheet you will create a complete list of all debt you have.  Continuing from my balance sheet example in the previous post, here is example of “debts” (liabilities).

2) Identify Your Most Expensive Debts:  The next step is to list your debt in order of the most expensive to the least expensive.  Your credit card debt and personal loans will likely be the most expensive debt you have with interest rates well over 10% per annum. If you need a little more information on credit card debt, check out this article here by Credit Counseling Society.

3) Calculate Your Average Cost of Debt: After you have listed all of your debt and the annual interest rates you can calculate your average cost of debt.  To do so simply determine the percentage of each debt relative to your total debt balance.  Then multiple this percentage by the interest rate for each debt and sum them.  The total is your average cost of debt in terms of an average interest rate.  The spreadsheet below may help you if you are not clear on this point.

4) Reduce Your Average Cost of Debt:  The next step is to reduce your average cost of debt by decreasing interest rates by as much as possible for each of the debts on your list.  Clearly, it …

Actively Managed Investments – All About Mutual Funds

All About Actively Managed Investments

mutual funds

What if I told you that I am a world-class coffee brewer and my coffee tastes wonderful, better than all my competitors.  Since my coffee is so amazing I command a premium of over 17 times the national average price of $1.38 for a medium cup of coffee.  I charge between $24.00 and $34.00 per cup depending on the flavor.  That’s how freaking good my coffee is!
However, Here’s the embedded risk that you won’t know unless your read my product offering memorandum:

  • If I am able to pick the right coffee beans, at the right time and brew them correctly, then you will likely have above-average coffee for long periods of time.
  • I can’t guarantee my coffee will be “the best” all the time, in fact my coffee could taste far worse than the average cup of coffee on any given day.  Although, I believe it to be unlikely.
  •  There is upwards of a 50% chance my coffee will taste the same or worse that the average cup of coffee.


Knowing what I just told you, would you pay $24.00+ for a cup of my “maybe it will be great, maybe not” coffee? That’s asset management!

Well Ladies and gentlemen:  Welcome to the asset management business!


Please come and purchase my active mutual fund (i.e. premium coffee), but here’s what you won’t know unless your read my prospectus:

  • If I pick the right investments and buy and sell them at the right time, you will likely earn a superior return on your investment.
  •  I can’t guarantee your investment returns will be above greater market returns.
  •  There is an upwards of 50% chance that I will underperform the s&P 500 index.


Knowing what I just told you, would you pay $1,500+

Welcome to KGR Capital!

Hello! And welcome to KGR Capital.

I’ve finally decided to dive into this so called “blogging” craze that seems to be taking over the internet recently. The niche that I find the most fascinating is the financial niche. Why? Well first off, because I love anything to do with finance, period. No, I’m not an expert trader or investor but I do manage all my own investments and I hope one day to retire early.

What will the purpose of this blog be?

Well, I’m a mid 30’s FIRE enthusiast who is already well on his way to an early retirement. So I think that is what I am looking to make this blog about. That being said, I don’t just like to talk about the stuff I am good at. I love to talk about everything finance,personal finance or investing related. Want to talk about penny stocks? I’m pumped! What about boring ol’ bonds? Let’s do it. You won’t find anything in this wonderful niche we call finance that I don’t like to shoot the $#(* about.

Who am I?

Well, I’ve decided to remain anonymous throughout this whole journey for a couple reasons. The first reason being I am not a financial advisor or legally able to give any sort of financial advice. Sure, I am going to put a disclaimer up but in order to protect myself, I’ve chosen to remain anonymous. Although it’s fairly obvious that everything on this website will be strictly my opinion and nothing more than that, I’m not taking any chances. That being said, I’m going to go by the name Cash. Why? Well, I’m guessing you can figure that one out!