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Dear Personal Trainer, You Are Worth The Money!

Updated: 02/13/2020 by Financial Samurai 42 Comments

Ouch. I’m so sore it feels so good baby! I gave it a go with Meredith the personal trainer for a free 45 minute trial session and she did things to me that no woman has ever done before. She made breathe heavily and sweat profusely!

She showed me exercises I never would have thought of doing to solely focus on getting me into shape for tennis.

45 Minute Trial Routine

* Sumo squat rope wave. Whuh?

* Three TRX exercises to improve the quads, core, and shoulders.

* Wind sprints on the treadmill 3 minutes jog, 30 seconds sprint, 30 seconds rest 8X up to 12 mph. I would never do these voluntarily. Why suffer?

* Pro-roller stretches to roll out the calves, quads, IT bands and hamstrings. Talk about pain all over.

* Side stepping through a maze for quickness and agility.

* Core training with cable pulleys three different ways.

* Four different stretches for the back, torso, and legs.

In retrospect, all the stuff I’ve been doing at the gym has been all wrong. I was doing bench presses, butterfly squeezes, lat pull-downs, biceps, and triceps. That’s it really. I never bothered to do anything cardio, or work on the muscles that would help improve my serve or backhand. I just went the easy route. There is also 100% NO CHANCE I would have ever done any wind sprints or anything to make me sweat. Again, I hate working out so I just focused on doing the easiest exercises that required the least amount of effort!

USING THE BLOG AND PERSONAL TRAINER TO SAVE SOME MONEY

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The White Cloud of Happiness

Updated: 04/06/2021 by Financial Samurai 18 Comments

My mother is a white cloud of happiness. Every time I see her, she smiles even bigger than I can ever smile. She loves to talk stories about any of life’s teachings she’s discovered, and I generally just keep quiet and listen. 

Sometimes I don’t understand everything she says, but that’s OK.  It makes me happy just knowing she’s happy imparting wisdom onto me.

A White Cloud Of Happiness

One of the holiday presents I got my father was a signed copy of Andre Agassi’s autobiography, “OPEN.”  To me, the book was gold, because Andre is my idol. It was my only copy. And I decided to give it to my father because I remember him loving to read and enjoying the game long ago.

When my father opened his present, he did thank me and showed his appreciation. However, a week later, the book still lay on the coffee table unread. Somewhat dismayed that Agassi was being ignored, I spoke to mom about perhaps taking the book back since I cherished it so much. She mentioned her unused Barnes & Nobles gift card and had an idea.

Later that evening, my parents went to the Mall for date night without us. Apparently, Carl’s Junior had a two-for-one special and my father was just dying to go! 

When they returned, my mother brought me over to the kitchen and told me, “Shhhhhh, take a look at the book. I bought another copy of “OPEN” and swapped it with your signed copy, so you can take it home! Dad will never know!”

We laughed so hard it hurt and gave each other high fives! My mom was right, dad never found out. Mom, who knows very little about tennis, was encouraged by my enthusiasm. So she even read “OPEN” before dad! What a white cloud of happiness and positivity she is.

Lesson Learned

What you think is an amazing gift, may be quite uninteresting to the recipient. There is a recent study saying that on average, the recipient derives only 80% of the value of a gift. This is largely the gift giver’s fault for not getting them exactly what they want and need. My father was probably thinking he could just get the book at the library.

We can choose to be a black cloud, or a white cloud of happiness in every situation we face. The way we carry ourselves makes all the difference. 

When an ambulance screams by, white clouds part so the sun can beam through. Thanks mom for being a white cloud of happiness and supporting me in so many ways. Thanks dad for teaching me tennis. Now go read the book already!

Happy Mother’s Day Weekend Mom!

Further Reading

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  • What’s The Most Amount Of Travel Miles And Credit Card Rewards Points You’ve Accumulated A Year?
  • How Long Does It Take To Become A Millionaire?
  • The Main Reasons To Do And Not To Do Your Own Taxes
  • One Big Risk Of Peer-To-Peer Lending: You Might Get Addicted!
  • Who Should Get A Black Card? Probably Not You!

Readers, what are you doing for Mother’s Day?  What is the one thing your mother taught you that you will always appreciate?  Can you choose to be a white cloud, or is it just all predetermined?  For those whose mothers are no longer here, may they be blessed forever.

Keigu,

Sam @ Financial Samurai – “Slicing Through Money’s Mysteries”

Playing Until My Knees Swell And Feet Bleed

Updated: 12/30/2020 by Financial Samurai 27 Comments

knee

I’m a USTA 5.0 level tennis player. It took many years of league tennis battles to climb from 4.0 to 5.0. It’s been a great ride, but my knees swell and feet bleed sometimes! In the end, I’m not sure if all the grinding was worth it.

Playing Tennis Until My Knees Swell And Feet Bleed

2009 was the year I rediscovered tennis. Ironically, I figured I’d better utilize the club as much as possible because I couldn’t afford any other luxuries after the markets imploded! Just last year, I failed miserably at breaking a 10 handicap (got to 10.2 and ricocheted) in golf and decided to quit before I threw my bag into the lake.

For the past 15 years, I forsook the game I played so diligently as a youngster. It was boring running around, hitting a ball back and forth. Now, I’m hooked again because of the camaraderie of the game.

Although tennis is an individual sport, there’s a team aspect to it if you join a league. Meanwhile, my evil plan is to get my wife to get good enough so we can play some competitive mixed doubles my next summer!

Physical Problems Materialize

Despite all the passion, I have a couple swollen knees that makes sitting cross-legged difficult. If I try and extend my legs after sitting in cobbler’s pose, there’s so much pain, it’s hard to walk for the first several minutes. Meanwhile, my feet often blister due to the constant friction caused by unnatural side-to-side movements. The doctor says all I have to do is rest, but I can’t.

How can I rest when I get a daily e-mail from my buddies wanting a rematch after last night’s beat down? How can I rest when it’s just so fun to needle my opponents with smack talk for a couple hours at a time? I’m a tennis junkie. The competition is exhilarating to the point where you often feel like you’re observing yourself play, an out of body experience if you will.

When I’m on the court, all the pain miraculously goes away. It’s the next day when the aches reappear, yet I long to play again. I realize that if I don’t take care of my body and allow it to heal I risk my long term health. But, then I rationalize and say it’s about having fun now, no matter what the cost.

Play For Fun, But Be Safe

Like a consumer addicted to credit, I’m an old fart addicted to tennis.  The costs aren’t just physical but also monetary as well.  I’ve upped my insurance coverage, setting me back $600 in premiums because I’m going to check out both knees, wrists, shoulders, and head!  The head examination was due to an outrageous fight on

All these tennis injuries and the pandemic reminds me about the importance of getting life insurance. As we have all discovered, tomorrow is not guaranteed.

If you have children and liabilities, check out PolicyGenius, an independent insurance broker that is revolutionizing the way we shop for life insurance – for free! Answer a few simple questions on PolicyGenius’s website and instantly receive free, personalized and comprehensive life insurance quotes.

PolicyGenius provides free, unbiased advice on more than 25 A-rated top life insurance companies they have thoroughly researched and vetted.

After eight years of owning life insurance, my wife decided to check on PolicyGenius for free to see if should could do better. Lo and behold, my wife was able to double her life insurance coverage for less money. All this time, she thought she was getting the best deal with her existing carrier.

If you don’t have life insurance, please get life insurance before you need to. Life insurance gets more expensive the older you get. If you get sick, depending on the severity of your sickness, you might not be able to qualify.

If you do have life insurance, I highly recommend checking PolicyGenius to try and get a better deal. Chances are high you’re not getting the best terms. 

Updated for 2021 and beyond.

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