Wednesday, November 11, 2026

To Buy or Not to Buy; That IS the Question!

 


To Buy or Not to Buy;
 That IS the Question!
Establishing questions to verify what you are seeing or hearing!
By Jim “Gymbeaux” Brown, November 11, 2026



DISCLAIMER. In this Nugget I reference Charles Barkley, the retired National Basketball Association player and player for the Auburn University collegiate basketball team. I like Charles Barkley and this Nugget should not be considered as diminishing his character, something that people, including me, love him for. He is NOT doing anything that any celebrity is not doing if offered the opportunity to sell a product or service. This Nugget is about how to evaluate what you see or hear, to help you make an informed decision to buy or not to buy. 

Raphael Uzor in his book, Intellectual Outsourcing, writes about how people, certainly not you, take something as simple as an endorsement as being real and beneficial to them. Uzor explains HOW people oftentimes assume the endorsement or sales pitch is valid and repeats the pitch to others. This by inference indicates that YOU think it is valid and now so do the people you share it with because THEY trust YOU. You would not lie to them, right? That is precisely what Uzor means when he suggests that people oftentimes outsource incorrect information because they believed the sales pitch.

Charles Barkley has several television commercials promoting the weight loss drug RO. Zepbound or RO, is FDA-approved but requires a prescription from a licensed healthcare provider. 

Here is how it works:

  1. You visit Ro's website and complete an online medical assessment.
  2. A “healthcare provider” reviews your medical history and determines whether you qualify. Note: There are two words that should be a red flag to everyone! What is a “healthcare provider”?  Is that a doctor? If a “healthcare provider” is a “doctor”, why did it not say “doctor”?
  3. If approved, you receive a prescription.
  4. The medication can be provided through Ro's pharmacy services.

Why is this commercial for RO/Zepbound effective? I am referring to just the commercial being effective, not the advertised drug. Using Raphael Uzor’s “5 Important Questions” from his book, let us examine the commercials that vary in style, not in substance.

Question 1: Who is saying this, and what authority do they have? The spokesperson is Charles Barkley. He is NOT a physician; he is a retired basketball player. Therefore, the answer to this first question is that the spokesperson has no specific authority, nor does he claim to have any authority, to encourage people to take the drug. 

Question 2: What is the evidence? The only evidence provided is Barkley’s word that he lost the weight he claims to have lost. Is that a valid endorsement? It worked for him, but will it work for everyone that tries it? That question was not asked nor answered. The answer to the basic question is NO, there is no evidence provided. If there was evidence, it should have been referenced. What kind of evidence might have convinced you that the drug was SAFE and EFFECTIVE? Medical peer reviews and reports published by experts in the field of medicine and weight loss would be evidence, but none were given or referred to. 

Question 3: What is their motive? This is a simple question to answer – money and profits! Why does any company promote their products and/or services? To make money, earn a profit and continue in business by selling what they provide. In this case, the company that makes the product earns money as does Charles Barkley for promoting the product. I seriously doubt he does it free of any compensation. If he did, that might be considered as evidence that the product is SAFE and EFFECTIVE as he would have nothing to gain. 

Question 4: What part of this applies to my specific situation? If you did not consider yourself as being overweight, you would ignore the advertisement. This question should be an easy question to answer, it either applies to you, or it does not apply to you. 

Question 5: Whose voice is missing from this story? The answer to this question is not readily or easily available, you must think about it. It is NOT so much a person’s voice that is missing as much as valuable information is missing. Earlier in this Nugget I explained that YOU cannot walk into a pharmacy and buy RO/Zepbound. It requires a prescription from a “medical provider.” In my world, such a “medical provider” is a doctor authorized to write prescriptions for medications that require a doctor’s order. That information is missing from Barkley’s commercials. 

There should be a 6th question and it would be: Who benefits from the sale of this product? Obviously, YOU would benefit if it worked as you hoped that it would. If it did not work, then you did not benefit from purchasing it. Charles Barkley does NOT benefit from your purchase unless his contract with the providing company includes a percentage of each sale of the product, which it may. Therefore, without the knowledge of his contract, that question remains unanswered. 

The company selling the product benefits from your purchase. 

There is also another party that benefits, the “medical provider” that you work with over the telephone. That means there would be a built-in incentive for the “medical provider” to approve you purchase of the product. If you do not purchase it, they do not make money. 

There is no guarantee that a local doctor providing you with a prescription for the product does not make money by writing the prescription for this product. The doctor may have an agreement with the company that makes the drug. The only requirement for the doctor would be to provide a copy of the prescription to collect a percentage from the sale. Not all doctors have this arrangement, but it is safe to assume that some do. Doctors and hospitals all made money based on the number of COVID vaccines administered, tests run, number of inpatients for COVID, the list is endless. 

There should be a 7th question asked as well.  Are there any adverse reactions to taking the drug? None were mentioned in the commercials. What recourse would you have if you experienced an adverse reaction(s) to the drug? Nor were there any suggestions that you should contact your Primary Care Physician to notify the doctor that you are considering taking the drug to lose weight BEFORE you place your order for the drug. 

You may not be aware of a free Interaction Checker service provided on the website, www.webmd.com. The Checker service identifies how one drug may adversely affect the results of other drugs that you ARE taking. It is listed under the tab Drugs and Supplements. In the drop-down window, you select, Interaction Checker.  Add the drug Zepbound or Ro as if you were taking it. Then add all the drugs you ARE taking. Checker will provide an itemized list showing drugs that may become less effective and/or drugs that may cause an adverse reaction because of the various combinations. This service is priceless. It is a service that your doctor and/or your pharmacist should be conducting. My personal experience would suggest that they are not routinely performing this check. 

If you have read this far, I can assure you that you will never again watch a commercial the same way you have for most of your life. I have made impulse purchases because a commercial was so compelling, not because a celebrity promoted a product. The commercial addressed a problem I was experiencing at the time. Did the product(s) work as advertised? RARELY! As a result, I have purchased fewer items based solely on a commercial and I have asked my own series of questions but not as effective as the questions Uzor puts forth in his book! 

I have no way of knowing if RO works or not, I have not taken it. In fact, I do not think I can afford to lose much weight and remain healthy. It may work for you; it may not work for you. I am in no way suggesting that the product is defective. I am pointing out that all commercials leave it up to you to decide to buy or not buy. I AM suggesting that using Uzor’s 5 Important Questions may save you money by NOT buying a product that has yet to be sold to you because you verified the information and decided accordingly to buy or not buy.  As demonstrated above, you can add more questions to the 5 Important Questions. Questions trigger thoughts and thoughts trigger more questions. The more you know, the more you REALLY know! 

If this Nugget makes you think twice, then I have done my job. Always remember: 

YOU…can read for a CHANGE. Or you can READ…for a change. Choose Wisely! 

Gymbeaux

 

Monday, November 9, 2026

Intellectual Outsourcing, a book review

 

Intellectual Outsourcing
Book written by Raphael Uzor
Review by Jim “Gymbeaux” Brown, November 7, 2026


STOP RENTING MINDS; LEARN TO THINK FOR YOURSELF, 
VERIFY WHAT YOU HEAR OR READ!

I really like the writing style of Raphael Uzor. I have now read three of his books, and there is something about his approach to writing that I particularly appreciate. He does not simply explain what he believes to be true about a subject or situation; he backs up those principles with real-life stories illustrating how people have experienced what he is writing about, both positively and negatively. He connects the principles to actual experiences and provides resource links that allow you to do your own research.

Uzor's books provide real, practical, and usable life lessons. I believe it would be impossible to read Intellectual Outsourcing without learning something that could help you build a better life for yourself.

So, what is Intellectual Outsourcing all about?

It is about how people hear something and then repeat it, whether verbally, in their writing, or on social media platforms, without first verifying the source, the accuracy of the information, or the qualifications of the person making the statement. Uzor refers to this as "outsourcing" information, whether someone is passing it along to you or you are passing it along to someone else.

As I read this book, I sadly found myself on many of its pages. I am willing to bet you will find yourself there, too!

In the busy world of 2026, people see or hear something and immediately repeat it as though it were an established fact. What they often fail to consider is that the information may apply only to the person who originally made the statement. Even worse, that person may have simply heard or read it somewhere else and passed it along without ever verifying its accuracy.

In 2026, who has not done that? And who hasn't been the recipient of information that was either inaccurate or simply did not apply to them? More importantly, who has not experienced the embarrassment of confidently repeating something, only to have someone question its validity and discover that what you repeated was not true?

That is precisely the kind of behavior this book challenges us to recognize and correct.

The following passage from the book provides an excellent summary of the principles Uzor discusses:

“The borrowed life (taking the words of others as coming from an expert or someone who should know and assuming they are true) may be a comfortable life. By many external measures, even a successful one. What it can never quite be is yours. Taking your mind back means bringing to your beliefs, your relationships, and your communities the one thing that makes them genuinely yours: the honest examination of what they are built on, and the willingness to hold what that examination finds, even when what it finds is inconvenient, even when it differs from the consensus, even when the people around you are very confident that they already know.”

Who should read Intellectual Outsourcing?

It is difficult for me to think of anyone who would not benefit from reading this book. Life lessons apply to everyone, particularly anyone old enough to use social media. And that age is getting younger every month!

Would I read Intellectual Outsourcing again?

No, but not because I did not enjoy it or find it valuable. Quite the contrary! I would like to keep this book handy as a reference. It provides questions and practical guidance that you can revisit whenever you need to evaluate the expertise of an information source, verify the accuracy of what you are told, and determine whether the information applies to you.

Would I give Intellectual Outsourcing as a gift?

ABSOLUTELY! The life lessons contained within its pages are priceless!

One final thought: We live in a world where information is available at the touch of a button, but that does not mean the information is accurate, applicable, or worth repeating. One of the most valuable lessons this book teaches is that we should stop allowing others to do our thinking for us.

READ it...for a change. Or read it...for a CHANGE! Choose wisely!

Gymbeaux

Monday, November 2, 2026

NO WAY!

 NO WAY!
By Jim “Gymbeaux” Brown, November 2, 2026


Note: The title was taken from a song called “No Way” by Whiskey Hollow Music. They nailed it!

This Nugget originated from the song and video at the link below. You might understand this Nugget better if you play the video and listen—really LISTEN—to the lyrics of the song FIRST! It nails the message and gives you a visual perspective of what the remainder of this Nugget is all about.

https://www.youtube.com/watch?v=OgjGdVOzXYw&list=PLax5WWroqrd4&index=3

We went out for breakfast on this beautiful Sunday morning, and we were seated waiting for our meals when I could not help but notice the patrons coming into the restaurant. You had to ask yourself, WHAT were some of these people thinking when they got dressed and walked out of their homes?

Let me give you an example. One lady, in her late twenties or early thirties and obviously overweight, was wearing skintight leggings and what amounted to a skintight halter top. Between the bottom of her top and the waistband of her leggings was a pronounced roll of skin that was trying to escape. She looked like a sausage about to burst!

Why would someone deliberately dress like that in public in 2026? Surely, she had to realize what she looked like!

Her partner, about the same age, looked more like a lumberjack from the mountains of the Far West, with long, unkempt hair, a long beard, jeans, and a T-shirt that didn't look as though it had been washed in days, if not weeks.

This couple was NOT alone! They simply took their place among thousands of other people their age who look the same.

The lyrics to “No Way” take me back to America in the 1950s. I know that because I LIVED those years as a kid growing up in Ohio.

We dressed like our friends, too. The difference? We cared about what we looked like! We had haircuts, clean plaid shirts, jeans (one constant that has survived the generations), and Converse tennis shoes.

Those shoes were a rite of passage for us kids in the 50s. They were priceless if you had a pair!

We all had bicycles and we rode them all over town, sometimes miles away from home. I often joke that if my parents were raising us in 2026 and allowed us to do the things they permitted us to do in 1955, some neighbor would report them to the local police and they would be arrested!

Different days. Different times. Different rules.

If you sense a LIFE LESSON coming, you would be sensing correctly. That is precisely the purpose of this Nugget.

I formed my beliefs, values, and character during the 1950s. We kids knew what was considered acceptable behavior back then, just as today's kids have their own ideas about what is acceptable today. I can assure you that the difference between those two eras’ beliefs are worlds apart!

We also understood the value of money, well sort of. Something that cost 99 cents was considered a purchase of value. Even the pennies lying on the streets and sidewalks were worth picking up. They might not have meant much to an adult, but when you collected 99 of them, you had GOLD as a kid growing up in the 1950s!

The song and video also show a kid working, a kid who would obviously be considered underage for many jobs in 2026. In the 50s, working as a kid was not unusual. I had my first paying job at the age of 13, earning 60 cents an hour as a stockboy in the corner drug store.

I can honestly say that I worked from age 13 until I fully retired on December 31, 2012. That is well over 50 YEARS of employment!

There is, however, one important life lesson I was never taught, nor did I ever learn on my own until much later in life. That lesson was the value of COMPOUND INTEREST! Alfred Einstein said, "Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn't, pays it."  As I stated, it is something I unfortunately learned much later in life, if only someone had told me when I was a kid!

I saved my 60-cent-an-hour earnings, and when I had accumulated enough money, I bought my dad a gasoline-powered lawn mower. Until that mower arrived, he and I had been cutting the grass with an old-fashioned manual push mower.

Several years later, I remember saving enough money to buy him a brand-new set of Spalding Executive golf clubs. “Executive” was the model’s name. Until then, he and I had played with a mismatched collection of golf clubs from different manufacturers, but we played whenever we could.

Herein lies the failed life lesson!

I was saving money, but I was not saving it for MYSELF or my FUTURE. I was as happy as a pig in you-know-what buying things for my family that they either did not have or needed to replace. I loved being able to provide those things for them.

But I never learned the importance of saving for my own future. That was a lesson I learned FAR too late in life!

Today is November 1, 2026, as I sit at my computer keyboard. Think about that for a moment. We did not have computers on our desks in the 1950s, 60s, 70s, or even the 80s. Look how much the world has changed!

I know that my mind was shaped, some might even say BRAINWASHED, by the environment in which I grew up during the 1950s. My beliefs and values were formed by what I saw, heard, experienced, and was taught during those formative years.

Now, think about YOURSELF!

What was the world like when YOU were between 10 and 14 years old? That was the period when YOU were forming your beliefs, developing your character, and deciding what was right, wrong, acceptable, and unacceptable.

You and God only know what was happening in the world around YOU while your attitudes and values were being formed.

I found myself wondering what the world was like when that young woman with the protruding belly was 14 years old. What was happening in HER environment that might have influenced her to believe that the way she dressed in public was perfectly acceptable in 2026 yet was unacceptable to someone who grew up in the 50s?

She and I were raised in two different worlds. We were 14 years old in two different eras, and I have absolutely no doubt that those differences shaped how we see the world today.

THAT is the singular point of this Nugget!

Let us take this a step further.

Suppose that young woman had a job selling TWIDGETS and I happened to be a customer looking for one. But I was NOT interested in just ANY twidget. I was looking for a very specific twidget, and she was going to have to do some selling to convince me that hers was the one I needed.

If she showed up dressed the same way she was dressed when she went out to breakfast, can you see where I might be inclined to shy away from buying anything from her, let alone that special twidget?

Now, replace the word TWIDGET with anything YOU might be selling or anything you want someone else to buy. It could be an idea, a new product, a vacation destination, a car, a house, or just anything else you can imagine.

Can you see that when you are dealing with someone from a different generation, you may have a HUGE hurdle to bridge that has absolutely nothing to do with the product or service you are offering and EVERYTHING to do with the impression, or vibe, YOU are giving off?

As a real estate broker and trainer for more than 33 years, this was a lesson I tried to teach every real estate agent who would listen.

When working with a probable buyer or seller, I taught that you first had to learn to understand that person. You had to adapt to the way they think, the way they communicate, and even the way they present themselves to the world.

How do you accomplish that?

I could easily teach an entire course on the subject, and I have done so in the past. The first thing you must become is an expert at becoming an effective LISTENER!

The famous motivational speaker and trainer Zig Ziglar often said:

“You have TWO ears and only ONE mouth. You do the math!”

Before you can call yourself a salesperson (or a successful REALTOR®), you must first learn how to listen!

I do not mean simply hearing the words coming out of someone's mouth. I mean HEARING, UNDERSTANDING, and RETAINING what your prospective buyer or seller is telling you.

They will tell you what they want if you learn how to get them to talk and, more importantly, YOU LISTEN!

But...and this is one of the biggest unknown BUTTS in all sales...you must also discover the invisible wall that can exist between people of different generations.

Back to the song!

You may be the most professional person in the world at age SIXTY, but when you are talking with someone who is THIRTY, could there already be an invisible wall between the two of you?

Remember the lyrics to “NO WAY!”

THERE ABSOLUTELY COULD BE!

And if YOU are doing all the talking, there is NO WAY you will ever identify that invisible obstacle!

You must not only get other people talking while you listen, but you must also try to understand what they experienced growing up, what influenced their beliefs, and why they hold certain values so dearly.

You must be willing to understand their world before expecting them to understand yours.

YOU MUST LEARN TO SPEAK THEIR LANGUAGE!

It is amazing what you can learn simply by listening. That includes listening to the lyrics of “NO WAY” and watching the accompanying video.

This song and video provide one of life's most valuable lessons IF you want to learn how to communicate and have a good relationship with people who think and act differently from the way YOU think and act.

Sometimes, it may be worth modifying your own beliefs to better understand someone else. At other times, your beliefs should stand the test of time and NEVER change, particularly when changing them would mean abandoning something you KNOW to be true.

The lesson is not that one generation is right and another is wrong. The lesson is that we were all shaped by the world in which we grew up. If YOU want to communicate with someone whose world was different from yours, you had better learn to understand that world FIRST!

And sometimes, that begins with simply SHUTTING UP and LISTENING!

 

Thursday, October 29, 2026

WHO MOVED YOUR GOAL POSTS?

 

WHO MOVED YOUR GOAL POSTS?
A PERFECT METAPHOR FOR LIFE!
By Jim “Gymbeaux” Brown, October 29, 2026


Moving the goal posts occurs when something you consider an honest, immovable standard—something you can count on—suddenly changes, causing most people, certainly not you, to panic.

I have lived long enough to know that very few things in life remain constant! Everything is subject to change. EVERYTHING! The question we should all consider is this: What will we do when the goal posts we are aiming at suddenly move?

I remember playing golf in California and shooting the best round of my life. I was one-under par as I prepared to tee off on the final hole, the par-5 18th. The guys in my group knew what was happening. It was as if I were a baseball pitcher throwing a no-hitter in the bottom of the ninth inning. Nobody wanted to say anything that might disrupt my concentration or interfere with what I was about to accomplish.

Then, just as I was preparing to tee off, one fellow said, “Just aim at the blue car down the fairway.”

Unfortunately, the blue car was traveling at approximately thirty-five miles per hour!

Talk about moving the goal posts!

For the record, I parred the hole and shot a one-under-par seventy-one, my best score ever at that point in my life.

YOU CAN PLAN FOR LIFE, BUT YOU CANNOT CONTROL IT!

We all make plans, some far more important than others. Unfortunately, some people ignore plans they should make while they are young. They are often so young that they cannot see the forest for the trees.

Consider a simple example. When you are in your teens or twenties, the last thing on your mind is establishing an estate plan. There will always be time to do that when you get older, right?

WRONG!

Nobody knows when their expiration date will arrive. It could be tomorrow, or it could be decades from now. None of us know when fate will decide to move our goal posts for the final time.

That is why it is important to consider preparing a personal will, a financial power of attorney, a medical power of attorney, and, where appropriate, a durable power of attorney. These documents serve different purposes, and the terminology and legal requirements vary by state.

Too many people postpone these decisions until it is too late. Their families are left to deal with the consequences, often while grieving the loss of a loved one. Depending on the circumstances and the documents in place, proper planning can help avoid unnecessary court proceedings, reduce confusion, and make it easier to conduct your final wishes.

One of life's most devastating examples of moving the goal posts occurs when your expiration date arrives much sooner than you expected.

WHY THIS SUBJECT IS PERSONAL TO ME

Why am I writing this Nugget today?

As usual, I am so glad you asked!

For the record, I began thinking seriously about wills and powers of attorney when assigned to the Coast Guard Marine Safety Detachment in Morgan City, Louisiana, in 1977.

My specialty was Personnel Administration, and most of my Coast Guard assignments involved duties related to that field. This assignment, however, was different.

Every day, I would board a leased PHI helicopter and fly over some of the most desolate terrain imaginable—or what passed for terrain—in southern Louisiana to inspect offshore oil producing platforms. Until we reached the Gulf of America (formerly known as the Gulf of Mexico), the landscape consisted of marshes and canals, with alligators lurking below and mosquitoes whose size I could only imagine!

I remember asking the civilian pilot, who had no co-pilot, whether he carried a gun.

When he asked why, I told him I wanted to be able to shoot myself if I survived a helicopter crash in those marshes!

I was only partially joking.

I quickly realized that this was, by far, the most dangerous assignment of my Coast Guard career. When I arrived in 1977, my hair was light brown. Before my tour was over, it was white!

That should tell you everything you need to know.

It was during that assignment that I began working on a will, a power of attorney, and a medical power of attorney. I understood that I could not predict when an accident or other unforeseen event might change my life forever.

I had no idea when fate would move MY goal posts, and I wanted to be better prepared when it happened.

HOW PREPARED ARE YOU FOR THE UNEXPECTED?

Can you afford an UNEXPECTED expensive car repair or home repair?

Studies have repeatedly highlighted how many Americans lack sufficient savings to cover an unexpected expense of even a few hundred dollars.

How about you?

How secure is your employment? Are you sure?

What would happen if you suddenly lost your job? What if someone moved your goal posts by eliminating your position tomorrow?

Could you financially support yourself and your family until you found another job?

Again, many Americans would struggle to do so.

A commonly recommended rule of thumb is to maintain an emergency fund sufficient to cover at least three to six months of essential living expenses. That is a reasonable goal, although the amount you need depends on your personal circumstances.

But let me ask you a question: Do you have that money set aside?

Living paycheck to paycheck seems to have become a way of life for far too many Americans in 2026. It is a precarious way to live when you consider how quickly circumstances can change, how fate could move YOUR goal posts!

You may be doing everything right today, but what happens when the unexpected happens tomorrow?

The best time to prepare for a crisis is before the crisis arrives!

A BOOK THAT PUTS LIFE'S LESSONS INTO PERSPECTIVE

I recently read a book written by Raphael Ozur titled Liabilities to Assets.

If I wrote the book, I might have chosen a different title. Based on the title alone, you might assume it is primarily about dollars and cents. Its message reaches well beyond money. It deals with some of life's most essential lessons.

As I read it, I was reminded of a Nugget for the Noggin I have been trying to write for at least two years but could not get it like I wanted it to read.

The premise of the Nugget I was working on was:

What would my 80-year-old self say to my 15-year-old self if I EVER had the opportunity to do so?

I envisioned myself sitting on the front porch of my home in a rocking chair, with my 15-year-old self, sitting on the top step, listening to every word, and asking questions as we engaged in an in-depth discussion about life.

What would I tell that young me?

What should he expect? For what should he prepare? What mistakes should he avoid? And, most importantly, what should he do when life inevitably moves his goal posts?

I could never quite get past the part about what to EXPECT, what to PLAN for, and how to prepare for the day when someone—or something—moves those goal posts!

Then I read Raphael Ozur's book.

It was as if he had been reading my mind from halfway around the world. His book addressed the very kinds of issues I had envisioned discussing with my younger self.

If you would like to read my review of his book, you can find it on my blog at www.NuggetsfortheNoggin.com. Look for the October 2026 entry.

TRY MAKING A FIELD GOAL WITH MOVING GOAL POSTS!

Imagine trying to kick a field goal on a football field while someone is MOVING THE GOAL POSTS!

If you make the kick, consider it an accident. After all, accidents can and do happen.

Now add another complication: The wind keeps changing both speed and direction.

Making that field goal becomes an almost impossible task!

Yet that is precisely how many people approach life. They establish goals, make plans, and assume the conditions under which they made those plans will remain unchanged.

Sometimes they do.

Sometimes they do not!

The challenge is not simply setting a goal. It is preparing yourself to adapt when the circumstances surrounding that goal change.

You cannot prevent every setback. You cannot anticipate every emergency. And you certainly cannot control all decisions other people make that affect your life.

But you can prepare.

You can save money. You can protect your family. You can put important legal documents in place. You can continue learning, reading, and applying the lessons that experience and the wisdom of others have to offer.

You may not be able to stop someone from moving your goal posts, but you can make sure you are not standing on the field completely unprepared when it happens.

WHAT LESSONS CAN YOU TAKE FROM THIS NUGGET?

  1. Life is hard.
  2. Life is harder when the goal posts are moving.
  3. Life becomes even harder when you have failed to prepare for moving goal posts.
  4. Life can become more manageable when you read, study, and apply the principles and lessons contained in books such as Liabilities to Assets.
  5. Or you can pass your problems on to your next of kin by doing nothing today when you still could do the right thing—but CHOOSE NOT TO!
  6. ALWAYS ANTICIPATE THAT SOMEONE OR SOMETHING IS GOING TO MOVE YOUR GOAL POSTS!

Remember, you do not have to know exactly when the goal posts will move. You must know that, eventually, they will.

Prepare accordingly!

— Gymbeaux