What would you do?

Salary-Vacation question

Well, what would you do? I asked this to different people that I interact with on a daily basis. The answers were:

  • Fishing and relaxing.
  • Spending more time with family, kids especially.
  • Find a second job and save the extra income.
  • Travel and see the world.
  • Begin building up a second source of income so they could leave their current job.
  • Finish projects around the house.
  • Work on writing career.
  • Relax, read, and meditate.

What would I do? I would try to perform a combination of the answers above. Knowing myself I would remain as busy as I am now. I would focus on trying to take the extra income and increase savings/investment properties. I like the idea of being able to spend more time with my family. I feel like when we do have time together we are being pulled to birthday parties, school events or other happenings. I would love a few weeks of just doing nothing with my girls. I know this sounds lazy but some of my best memories are when my girls and I take walks or go to the local park.

The ideas I would not pursue would be fishing/relaxing and traveling to see the world. Both of these would leave me worse off then before this windfall. The fishing and relaxing would lead to laziness. laziness

While this photo does seem like something I would do, I would immediately regret letting myself become this person. Traveling the world is not something I am against, in fact it is very important for people to experience different cultures and regions of the world. I just know at this stage in my life with two young daughters that this would be more hassle than fun. The wife and I do plan on traveling yearly to help the girls experience new things and build happy memories. I also feel like my salary wouldn’t be enough to travel the world for a year…. maybe the 50 U.S. states.

So now the I ask you the reader this question. What would you do with a full year’s salary and unlimited vacation days?  I look forward to your feedback. Sorry I have been absent for a while.






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Metal Scrap Yard – Free Money Pt 2.

As the years moves along I realize that my year end goal of $500 is going to be difficult, mostly due to my failure to focus. I was able to acquire a decent load of scrap metal to take to the scrap yard. Even though I haven’t been posting to my blog I am still constantly researching and discussing with friends and family. This brought me to my scrap heap on the side of my yard, which my wife absolutely hated for good reasons. I was going to spend the time breaking down all of the components to maximize the profits but time became my enemy. My wife told me to call an old friend of mine who scraps metal and sell it directly him.20150605_160312 

Why would I give up my hard earned scrap metal money? Let me tell you why, if I waited until I actually took the time to clean the metal, load the metal and take to the scrap yard across town then most of it would probably have already rusted away. So I cut my losses and called my guy and had him come by and help me regain my side yard back. This brought up a good point, that most people do not own a truck and making extra money scrapping would be impossible. Well here is a quick way to make some money.


DDM Metal came by weighed my metal and paid roughly 40 cents on the dollar. Wow that is quite a blast to the old pocket books. The grand total came to $44.60 in straight profit. He rounded up to $45.00 to make things easy. My guestimates are that he will take this load and clean all of the metal and make close to $125 on this load. Since I don’t have the time, patience or will to do this $45.00 seemed like a fair deal.

9-10-15 Profit Update

This brings my total to a whopping $80.71 from the original $20. In my opinion this is terrible and if I had put forth any real effort I could actually be close to my goal of $500 by end of year. I am trying to regain my focus and push this blog back into drive and make it what I had hoped it would become. Feel free to leave me feedback, share, comment… whatever you like. Thanks – JB


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Will This Be the Start of a Wave of Homebuilder Mergers?

Housing is already booming in my area (Florida).!

24/7 Wall St.

home buildingUsually mergers get a lot of coverage, and often they come with large premiums for shareholders. News that Standard Pacific Corp. (NYSE: SPF) and Ryland Group Inc. (NYSE: RYL) are merging is not one of those instances due to it being touted as a merger of equals. What may matter more than this particular merger is whether this could be the beginning of more mergers that could consolidate the largest homebuilders in the nation.

24/7 Wall St. has identified the basics of the merger announcement, but the real focus will be on the other, smaller homebuilders that might be acquired by the larger players.

After looking at the size differences here, the reality is that if buyouts were to come, there are four larger players and three smaller players to consider. The larger companies by market cap than the merger of equals are DR Horton Inc. (NYSE: DHI), Lennar Corp…

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Upwards of Twenty 6/15 Update

Posting every 6 months was not my intention so I will do my best to publish a post every two weeks minimum. My post today will be brief as I am working on Part Two of my scrap metal post. I have also been looking into different Web Hosting companies as I would like to take my site and make it official. I am a huge fan of WordPress, but everything I have read shows that if I want my blog to actually grow and become something bigger I need to be proactive and setup and actual website. Let me know in the comments below which sites you have used or prefer.

I haven’t implemented any new ideas for this post, I just wanted to update the amount of money Upwards of Twenty has as of today’s date.

6-15 Update- Profit Spreadsheet

As the spreadsheet shows the only increase in profit is $2.27 or 6% increase since January. This return is minimal and frustrating. To start with $20 over a year ago and only be at $35.71 is a joke. I hit a spot where I devoted zero effort to Upwards of Twenty. I will focus on turning things around. I am open to guest bloggers to post ideas. In fact, any of the ideas that are posted will be tried by yours truly and documented through my blog posts as well. I am open to all ideas, that are legal of course. My goal for the end of the year is to have a minimum of $500.00 in the coffers by year end. That’s all for today and see you soon. JB



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Uber – Helping Babies Sleep Better at Night




How does Uber help babies sleep at night? Thanks for asking Uber allows one giant baby, yours truly JB, to sleep better knowing that my wife is able take a safe method of transportation when she decides to go out with friends/sisters for the evening. This brings me to a cab ride so unbelievable that only my friends who were there believe it. A group of five of us went downtown for a night out to honor our friend for his bachelor party. As any responsible group would do we decided to take a cab there and back. As the night ended we found a SUV that said he was available and could take us all. I should have known something was up when my one friend had to ride in the very back like he was the family pet. He didn’t seem to care so why should I. To make a long story short the cab driver performed the following acts on the ride home: 90mph in a 40 zone, passing on a turn with double yellow, blaring music, talking on cellphone, and smoking. I highly doubt he was a licensed cab driver, but that leads me to my biggest problems with cabs in my city. How do I verify that this joker is allowed to even operate a vehicle, or run a cab service? This led me to my first encounter with Uber.

Uber is a great alternative to the standard cab. I haven’t used Lyft but have heard it is just as good as Uber. Uber was my first so I will stay true to them. I have put together some quick points on my Uber is great and also cheaper than the alternative:Screenshot_2015-04-01-10-54-28Screenshot_2015-04-01-10-55-05Screenshot_2015-04-01-11-39-59








Uber Benefits

  • Cost/Cash Benefits
    • This reduces the need to carry cash or give out your card to someone you just met.
    • In my travels Uber is about 15% cheaper.
    • You preset the tip amount so you know what overall cost to expect.
    • Allows you to split fares with other riders who have Uber.
    • Fare Estimate prior to pick up lets you see how much you will need.
    • Ability to recruit new riders and get a $20 dollar credit to both parties.
  • Time
    • The app lets you decide whether you need a larger vehicle with the slide of a finger.
    • You can determine pickup timeframe based on your pickup location.
    • You can view a map while traveling and let driver know of quicker routes.
  • Safety (My Favorite)
    • Uber driver’s info is provided prior to arrival: Picture, Vehicle, Rating, and License Plate.
    • You can monitor the arriving and traveling Uber up to a few hundred yards.
    • All drivers have to pass background checks and maintain insurance.
    • No more random pickups. The drivers only pick up the client that requested them.
    • Hailing a cab in busy streets is no longer necessary.
  • Driver Benefits
    • Ability to work on their own schedule.
    • Easy way to supplement income, while providing a service.
    • Payments are posted directly to account. No need to carry cash (safety).
    •   Meet new people and see new areas of your city.

If you have had any great experiences or terrible experiences drop a comment for all to see. Here is my promo code if you want to get $20 off first ride. https://www.uber.com/invite/josephb830 or promo code josephb830


P.S. Sorry I have been away, 1Q2015 has been a real doozy but I am back on track.

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How’s the New Year-New Me working? GAME PLANS

Focusing on the person within was my starting point for the New Year. I started by creating a new Game Plan for 2015. Hopefully it will turn out better than The Rock’s Disney movie


I like this idea instead of a resolution. I never felt like I had anything I needed to resolve, instead I felt like I needed a more defined area of focus to approach the new year for my blog and for my personal life. I have always been good about writing out my goals (My father made us do it a young age…smart man). I usually tend to focus on my 5yr/10yr/Lifetime goals instead of looking at the year ahead. So I decided to write down my goals for the year. I broke them into seven different areas which I will briefly discuss. The last year of blogging has taught me that putting it down on paper not only makes it more concrete but also makes me think about it more throughout my daily life. The game plan below is in no specific order just how it randomly came out of my mind.

  • Family
    • Focus on my temper.(This is towards all aspects of my life as well)
    • Become member of a church. (We do attend but would like to find the right one)
    • Take 2 vacations.
    • Cut down on technology usage. (Stop staring at iPad/phone all night)
    • Create a better evening routine.
    • Focus on my older daughters reading/writing.
  • Finances
    • Reduce 3 monthly bills over the course of the year.
    • Save for Christmas/Holiday expenses throughout the whole year. ($200 a month)
    • Save for an exterior home project. (This is outside of home maintenance)
    • Pay off car early. (This one is a maybe the rate is basically nonexistent)
    • Coupon weekly and focus on grocery list when shopping.
    • Maintain the monthly budget.
  • Exercise
    • Purchase bikes and cart for little one.
    • Weekly bike rides.
    • Pushups/Sit-ups nightly. (Increase the amount weekly)
    • Eat better in general.
    • Remove bad habits. (I prefer not to tell everyone my bad habits)
    • Bring lunch 3 days a week. (2 days a week is beneficial for lunch meetings)
    • Set a weekly dinner schedule.
  • Work
    • Keep track/log of weekly IT progress. (Online journal)
    • Try to work towards having my own office.
    • Move up a pay grade.
    • Show upper management that they made the right decision. (In regards to new position)
    • Clean office/emails – monthly.
  • Real Estate
    • Sell 3 homes.
    • Buy 1 investment.
    • Buyer’s agent for 3 purchases.
    • Property Management company add 2 new clients.
    • Property Management company make books/monthly process cleaner and easier.
  • Organization
    • Sell on eBay each week.
    • Focus on clean-up of 1 room a week.
    • Fix Attic access and use it to store unused items.
    • Clean up personal emails weekly.
    • Follow through all phone calls/voicemails within 24 hours.
    • Clean car/truck monthly.
  • Blog
    • Post 2 times a month
    • Convert from WordPress to personal website
    • Post to other blogs 2 times a week.
    • Get featured on 4 other blogs.

New Life

As you can see the majority of these goals are very specific. I will try to update each quarter to see where I am with my goals. So far so good, I have been achieving a few of the areas already. Let me know what your goals are. Writing them out really helps so leave me your top 5 in the comments. Upwards of Twenty thanks you for your follows, comments and shares. JB

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New Year New Me

Many things have changed for me this year. I started my first blog, was promoted and most importantly grew closer to my family. So while I sit on my couch on NYE instead of partying with friends, I find great solace in the fact that a new year is upon us. I have felt different this year in many ways.
1. I felt like this was the first year that I had not met my mark of increasing my income by 5%. Luckily I accomplished this with a job change in November.
2. I felt like I was overwhelmed with my personal life. It turns out that my personal life is the envy of others. What more could I ask for a amazing wife/mother to my two constantly amazing daughters. I have some disposable income, many in the United States do not have this luxury. I have my health and my families health, even though my wife is under the weather at the moment. I have a strong external family that is there for us and provides multiple levels of strength.
3. I felt like I lost my drive. Luckily this didn’t last long, I felt in a rut in my finances, work ethic, and personal drive. With the support of a few colleagues I have regained this drive. Sometimes complacency can really set you back. I had to take a step back in my personal businesses this year and really evaluate what I was trying to accomplish. This along with a detailed list of personal, financial, family, health and miscellaneous goals I have regained this drive and am looking forward to a new year.

The point of this post is not to gloat, I am jut trying to publish my focus so that I can look back and see the many things I should be thankful for. So I will do that and then get back to enjoying the unprofessional fireworks going on in my neighborhood. I want to thank my wife first and foremost, my parents for constant support, all of my family, friends, and this wonderful country we live in. The freedoms we enjoy on a daily basis should not be taken for granted. I look forward to celebrating a New Year and a new outlook on life. Focus on the person within and great things can come your way. Onwards and Upward (of Twenty). JB

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