No Drain, No Gain

"This shirt is light gray. Let's see how dark we can get it." - B.J. Gaddour, physical trainer

Or another good one, that sweat is pain leaving the body. Few things make a workout feel as complete as a pounding heart or drenched shirt. It can turn a stiff, listless morning into a revved-up day and night. It's psychological candy.

(It does require a shower.)

Creatively Loud

In a 2012 study it was found that creative thinking peaked when the noise in the room was at 70 decibels. In other words, when your brain is slightly distracted, you think more broadly.

How loud is 70 dB? Think vacuum cleaner, or car traveling 65 mph from 25 feet away. Not when balancing the checkbook, but when planning for that next vacation or devising your retirement or dream job.

Good-Time Charlie

"People just see him as a good-time Charlie, which he is." - Dusty Baker, about Bronson Arroyo

The lanky Arroyo is a successful major-league baseball pitcher. But that's not what defines him. He's also a stringy-haired raspy-voiced rock singer in his own band.

I think that people who have multiple interests in life find more emotional stability. It's like a financial hedge of risk - when one aspect of life is flagging, others can step up winningly.

It's a thought worth harboring when out among the occasional choppy waters of the day. No matter what, it's been a pretty good day.

10 Things That Slow Your Metabolism

Here's one reason. For the rest, go to Yahoo! Health:

http://health.yahoo.net/articles/weight-loss/photos/10-things-slow-your-metabolism#0

Another reason to drink your milk: Calcium plays a key role in regulating your fat metabolism, which determines whether you burn calories or store them as fat. A diet that's high in calcium could help you burn more fat, according to research conducted at the Nutrition Institute at the University of Tennessee at Knoxville.

How To Cut A Player From A Team With Respect

McDonald Hired As Heartland Community College Math Tutor

Good news in the mail today!

"Dear Joe,

Thank you for applying for a position at Heartland Community College’s Tutoring Services.  Your credentials, interview, and references were most impressive, and we are pleased to be able to offer you a position for the Fall 2013 Semester."

Bloomington-Normal Math Tutoring

www.bntutor.com

Jason's Greatest Piece Of Investing Advice

By Jason Moser of Motley Fool:

I've heard it a million times: "Individual investors can't beat the market, so they shouldn't even bother trying." Or, "The stock market is too risky." Or my personal favorite, straight from the comments section of a recent Wall Street Journal article on how to teach your children about investing: "[S]tay out of the stock market it is rigged against you." 
It can be different 
While I do get that there's trepidation on the part of many who have been burned by the market before, it doesn't have to be that way. In fact, I'm teaching my 8- and 7-year-old daughters how to invest, and they're getting a big kick out of it. They've been investing for over a year now, and as it stands they're beating the market by more than 5.5 percentage points! Forget investing wisely; I'm talking about investing Foolishly.

Of course, I play a role in helping my girls choose what stocks they want to buy. But they make the final call. We talk about the various companies that play roles in our lives and we consider the ones that they would feel good about owning essentially indefinitely. I give them a list of four finalists based on conversations we have together and they come to an agreement and make the pick. Then we buy. And then we get on with life.

Oh, to be young again 
The beauty of starting them at this age is that their interest and knowledge is in fact limited, which means they're never incessantly twiddling their thumbs over an earnings miss or why same-store sales are down. They don't care! They just think it's cool that they're part-owners of these businesses that play a part in our everyday lives. Take a look at their portfolio holdings and it starts to make sense:

• Management reported that Apple's (NASDAQ: AAPL  ) gross margin was down almost 600 basis points from the same quarter last year. They also reported the strongest June quarter revenue ever in the company's history.
• Scale is starting to really pay off for the king of coffee. For the most recent quarter, Starbucks (NASDAQ: SBUX  ) reported a record operating margin of 16.4%, which resulted in record operating income of $615 million.
• The Lone Ranger was a flop. With a budget of around $250 million, it's only brought in $86 million to date. But Walt Disney's (NYSE: DIS  ) movie segment only accounts for a little more than 7% of annual operating income; I think Disney will survive.
• Nike (NYSE: NKE  ) just reached $10 billion in annual North American sales for the first time ever. Even more impressive, it's closing in on the $4 billion mark in emerging markets. Nike is ubiquitous with sports all around the world, plain and simple.
• Under Armour (NYSE: UA  ) is still a small company when compared to the Swoosh, but it's growing like gangbusters. In fact, this most recent quarter marked the 15th consecutive quarter in which apparel grew at least 20%, and the 13th straight in which total revenue grew better than 20%.

It's all about perspectiveOf all the great investing advice I've gotten in my life, it all comes back to this: If you want to be an investor and truly maximize your chances of growing your wealth significantly over time, then you need to see yourself as a part-owner of the business(es) in which you are investing and proceed accordingly. You need to be thinking about the future. Not next week or next quarter. I'm talking years. It's not perfect by any means, but investing with this mentality can yield some impressive results. Consider how all five of these companies have fared over the last seven years in relation to the S&P 500:

Of course, the past doesn't predict the future. But by the same token, there are good reasons these companies' stock prices have done so well over the course of time. And if there's one thing Foolish investing has taught me, it's that many of the winners tend to keep winning over time. So when you find those winners, well, you need to hitch your wagon to those stars and enjoy the ride.

The Foolish bottom line 
I don't believe for a second that the stock market is a rigged, untenable game. I'm convinced the folks who do are the ones who need our Foolish advice the most. I'm sure I'll continue to hear people say that the stock market is too risky, and that's a shame. The truth of the matter is, the greater risk is not learning how to invest Foolishly and being a part of it.

Millions of Americans have waited on the sidelines since the market meltdown in 2008 and 2009, too scared to invest and put their money at further risk. Yet those who've stayed out of the market have missed out on huge gains and put their financial futures in jeopardy.