Ultimate Guide to 90% Silver Coins – Plus A Personal Story [VIDEO]

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What is 90% Silver?

All major U.S. coins before 1965, excluding the nickel and penny, contained 90% silver content. The term “90% silver” is a short way for investors, collectors, and buyers to refer to pre-1965 dimes, quarters, half dollars, and dollar coins, as a group. The term also serves to differentiate these coins from post 1964 coinage. Typically these coins are not considered for their numismatic value, and they are often traded for their silver bullion content in $100, $500, and $1000 face value rolls or bags.

Personal Story About 90% Silver Coins

This is the beginning of an in-depth, or “ultimate” guide – if you will, about 90% silver coins. Investing in 90% silver coins is not only a black and white subject of values going up and down over time on a spreadsheet.People choose to collect these coins for personal, practical, and even historical reasons. Often, the stories that lead one to collect come from generations passed and can include milestones and memories from the lives of their loved ones. I’d like to share one such story, and how I discovered the true value of 90% silver coins. It begins with an anecdote from more than 70 years ago.

Born on March 8th, 1926, Billy Gene Lemons grew up in the tiny village of Ringgold, Texas. During World War II, he was drafted into the US Army and stationed in Munich, Germany. While in the army, he received medals of honor for distinguished service as a sharpshooter and marksman.

He also achieved the rank of corporal, serving as a Military Policeman. While in Munich, he along with others, had the responsibility of guarding the headquarters of visiting dignitaries and VIPs who were there to oversee the occupation forces. One of those dignitaries was General George S. Patton.

Corporal Lemons’ military stint was not the stuff of epic movies, but to his family and friends, he was a hero deserving of all the honor and respect due the men and women who served in World War II. Decades later, Billy loved telling his family the story of how the troops were instructed not to eat food given to them by the locals – for fear of being poisoned by Nazi sympathizers.

On one occasion, while riding a troop train, a resident family of the occupied city had pitched a large chunk of cheese on the train in appreciation. As commanded, the soldiers were not going to eat it, but one man could not resist. He cut off a big piece and began to enjoy it.

A few minutes later the train traveled into a tunnel. As it became pitch black, the same soldier screamed, “Damn it boys, don’t eat any of that cheese! I’ve gone blind!” The squad knew better, and had a big laugh as they came back into the sunlight.

Billy Gene Lemons was my grandfather. In September 1990, my grandfather passed away as the result of a brain tumor. I was nine years old at the time. Among the many things left to my father were a variety of foreign and domestic currencies my grandfather had collected during his time in Europe and throughout his life.

The currencies included German marks and an old bank bag containing approximately 100 half dollar Kennedys, most of which were from 1964, making them 90% silver. Billy Gene Lemons knew what most didn’t at the time, which I believe is illustrated in this quote.

“Lenin was right. There is no subtler, no surer means of overturning the existing basis of society than to debauch the currency. The process engages all the hidden forces of economic law on the side of destruction, and does it in a manner which not one man in a million is able to diagnose.” – John Maynard Keynes (1883 – 1946), Economist

Billy had been keeping every half dollar he got his hands on since the early 1970’s. First, because JFK was a great and short-lived US president, these coins would have historic value. Second, he collected them because he knew they were worth more than their face value due to the debasement of government-issued coinage throughout history.

90% Silver Over 25 Years

According to a 25-year chart, the average price of silver was $8.73 an ounce in September of 1990. That would put a value of about $316 on my grandfather’s collection of Kennedy half dollars at the time of his passing.

Inflation-Adjusted Spot Silver Price Chart 

My father gifted those half dollars to me in 1995. A few years later, a thief would steal them all. I’d like to believe the thief ignorantly spent them for their face value of $50 instead of selling them for their silver content.

After I realized they were gone, I was overcome with grief. It wasn’t until April 2011 that I realized their silver content. In 1999, I was devastated because of the loss of sentimental value in the collection, but in 2011 I was devastated by the financial loss due to the current spot value of silver. How much was lost?

It was definitely not the $50 face value of 100 half dollar coins! The loss of value included the rise to $52.26 an ounce spot price of silver in April 2011. Those circulated, but good condition, coins contained approximately 36.2 troy ounces of silver, a metal value of $1,890 in April 2011. That doesn’t count the premium, which could have been as much as 5% on top of spot.

Even in January 1980, when my grandfather was still alive, the inflation-adjusted melt value would have been $3,947. That’s not chump change! Before they were stolen, I didn’t have my grandfather there to yell at me for the stupid mistake of showing off our collection.

That was an expensive and gut-wrenching lesson learned. What started as an inherited coin collection of sentimentality, ended with an understanding of the market value of 90% silver coins.

Other than through inheritance, why would someone go out of their way to own 90% silver coins alongside or as an alternative to silver bullion? I’m glad you asked.

Why 90% Silver Coins?

From a big picture standpoint, let’s just say the reasons for buying 90% silver coins range. Here are reasons for owning and investing in 90% silver coins.

1. Face Value

Some aren’t comfortable with rounds without a face value, not because they don’t know the value, but because buyers might not. Familiarity and trust is key when trying to liquidate silver bullion. However difficult, it is still easier to counterfeit a silver bar versus a coin, thus 90% coins could hold more weight (no pun intended) with buyers, since they hold a recognizable and accepted face value that is legal tender by law.

2. Sentimental Value

Unless a relative was a serious collector and owned graded coins in protected certified slabs and you knew this, you might come across a stash that was built up for a rainy day after he or she had already passed on. Along with capturing an era of time, you’re also reminded of that loved one by this collection.

3. More Silver Per Coin

Some choose to hold 40% silver coins. These coins tend to have a lesser premium and be less rare because they are more recent in strike year. Although they are less rare and easier to find, it takes more than twice as many coins to bare the same amount of silver. Some choose to hold 90% for this reason.

4. Premium Arbitrage

In times of shortages, 90% coins can fetch higher premiums than silver bars. Often investors hedge by buying different types of precious metals. One can take this even further by buying different classes of silver within bullion to profit from the arbitrage, or at the very least keep a balance when price dips come.

5. Perceived Disasters

Historically, spikes in buyback premiums for 90% coins have come in months leading up to a perceived crises. When have premiums been up to 50% on 90% silver? The months leading up the year 2000, due to the Y2k bug scare. Premiums were also up in mid-2012 when there was uncertainty about the Mayan calendar “running out.” Some are pointing toward 2020 as being another pivotal year. No one can predict the future, but perceived crises and fear mongering will continue and, as they say, perception is reality.

6. Smaller Divisible Increments

This is the worst-case scenario more on fringe, but in a true crisis situation, survivalists like to keep 90% silver around because of their divisibility, making them easier to use if basic needs like food and supplies have to be traded on the run. The 90% silver coins are great for the sort of dystopic, post-apocalyptic, Marshall Law scenario of Hollywood storylines we seem to have been bombarded with over the last fifteen years.

90% Silver Coin Types

Most Popular 90% Silver Coins

With 12 different kinds to choose from, which should you go with? Here are three of the most popular 90% silver coins with links to where you can buy them.

1. Kennedy Half-Dollars (1964)

Collectors, buyers, and those that don’t consider themselves either love Kennedy Half-Dollars. Similar to the September 11th attacks, which occurred on 09/11/2001, you’ll often hear those of particular generations ask, “Where were you when John F. Kennedy was shot?” Assassinated in Dallas, Texas, on 11/22/1963, the grassy knoll and a museum that tells of his death is the #1 tourist attraction in the city. Morbid as well as fascinating because of the conspiracy and unanswered surrounding the incident, it’s easy to see why 1964 Kennedy Half-Dollars are the most popular 90% silver coins.

2. Roosevelt Dimes (1946–1964)

Since we still deal in dimes with Franklin Delano Roosevelt, the 32nd President of the United States of America’s face on them, it’s not a far stretch to own older versions that happen to have silver content. The familiarity factor is a draw in their popularity. If you think about it, most that collect or invest have been using dimes to buy gum since they were five or six years old. Plus, dimes make the math easy – 10 make a dollar as far as face value. See the chart above for their silver content.

3. Washington Quarters (1932, 1934–1964)

Quarters are also quite common, thus another popular 90% silver choice. Quarters have bared the same face of George Washington, the 1st President of the United States of America, since 1932. With several generations familiar with the look of the “quarter dollar” as they were once called more often, this coin is the third most popular when it comes to loading up on 90% silver coins.

This is a excerpt from JM Bullion’s Ultimate Guide to 90% Silver Coins by Neil Lemons. You can read the full guide by clicking here.

Neil Lemons represents JM Bullion, a leading online retailer of bullion headquartered in Dallas, Texas. In 2016’s esteemed Inc. 500 list of fastest-growing privately held companies in the United States, Inc. magazine ranked JM Bullion the #1 fastest-growing precious metals company in the nation, as well as the nation’s 40th fastest-growing company overall. 

For more investing guides like this one visit: www.JMBullion.com.

10 Reasons Why You’re Depressed Right Now & How to Break Through

why you're depressed

Here are only 10 reasons you might be depressed. It could be something else, but it’s likely at least a couple of these.

You spend way too much time on Facebook [comparing your life with other friends] – This phenomenon has been proven over, over, & over again.  Even before Facebook, comparing yourself with others you know has always been a bad idea. If you feel down, check Facebook less than once a day, or even less than once a week, then see how you feel. Could it hurt to know a little less about the daily thoughts and feelings of absolutely everyone you’ve ever known in your life that care to share? I’m guessing not.

You watch TV – There is a reason TV has rightfully been called the “Idiot Box”. You’re in a hypnotized state many of your waking hours when you watch TV any length of time. The longer you watch it, the dumber you get. That’s not just a theory – it’s science. Some know this intuitively, others, not so much. Give it a break for a week. Feel the difference.

You drink too much – Does drinking make you feel depressed? Oh course it does! Alcohol is a depressant. Yes, two glasses of wine a day is good for the heart, and helps you live longer, but drinking in excess will drag you down. This has been proven over and over again. This multi-millenia- old rule of life won’t magically change with you. Do your best to cut down, and you’ll feel better, I promise.

You have no goals – Make a simple goals list. if you need guidance at all, read this, this, & this. It’s not hard. If you don’t know how to create goals, just follow the formula outlined in the posts in-which I’ve linked and you’ll do fine. Don’t be hard on yourself if it doesn’t happen overnight. Keep at it. “Never give up on a dream just because of the time it will take to accomplish it. The time will pass anyway.” – Earl Nightingale. Nightingale knows.

You’re in debt – Make a plan. Read Dave Ramsey‘s many books, or at least one. Do what he says, and get out. Automate. On a monthly basis, use his snowball plan, and pay your family off first, the government second, and your credit cards and mortgage last.

You blame others for your life circumstances – Change your position from an external to an internal locus of control. Noone owes you anything; not your spouse, not your job, not the government, not even God. Forget blaming your parents, your spouse, your teachers, your siblings, God, your significant other, or your job. Take full responsibility for your failures and successes. Stop being a victim, or playing the victim card. Letting go of blame is one of the most freeing things you can ever do in your life. Forgiveness heals.

You don’t dream/you’re too practical – Maybe your head is up in the clouds, or maybe you’re completely down to earth. Let’s get something clear, If you don’t think BIG, you’ll never realize your dreams. The only difference between those that achieve, and those that don’t  is how he/she thinks. It’s not I.Q., birth order, race, circumstance, ethnicity, origin, sexual preference, or gender.

You let others’ opinions affect you too much  Would you jump off a cliff if  “everyone was doing it”. How about, become a millionaire if “everyone else was doing it”.  Align yourself with those that are “doing it” in a good way. You’re the average of the five people you spend the most time with.  Why not surround yourself with others that will bring you up to at least average in your pool? Provide value to those that have progressed further than you and watch your stock rise.

You think everything should be fair – Life is not fair, and that’s a good thing. That means you have more of a runway to make leverage work for you. If you work harder and smarter than other people, you get the benefit.  Leverage in time and resources is the difference between those that are wealthy, and those that aren’t. Figure out how to be more strategic, smarter, have better people skills, find a business niche.

You’re Hungry – Are you dieting?  Do you think not eating will accomplish this? Are you angry & depressed? You’re probably just hangry. This could be why you’re depressed right now. Go eat the Grand Slamwitch at Denny’s, and call me in the morning.

The Richards Group Partnership

Dallas Skyline from the Richards Group

Today, my colleagues and I met with the The Richards Group. They are now our agency of record for the company in-which I am employed. In case you don’t know, I am the Director of Digital Strategy for a dual-branded high-end custom clothing and retail men’s apparel company. I’m excited to have a larger team of people to help bring ideas and executive the digital work in order to grow nationwide.

The Richards Group building is actually only a five minute walk from the flagship Dallas stores and office. We all met at 8:30am and walked over at 9:00am. TRG is helping us with reporting, paid search and PR. In my career, this is a great place to be. I’ve worked at agencies, in-house agencies, directly for companies.

After being in charge of all digital channels for more than a year, I’m getting a little bit of a reprieve. Our team has grown from myself and the Director of Marketing, to a Digital Project Manager and Creative Specialist/Photographer. Thus, that’s four core people that operate the digital program.

Time to do it – Write

It’s my intention to write everyday. I am temporarily, and hopefully permanently, removing the inhibition to share my thoughts and feelings a little more off-the-cuff. Many of the posts below I spent hours agonizing over, and they stayed in the drafts folder for years. That’s not the type of writer I want to be. It’s not practical. While finding a voice, it’s OK to fail.

I have spent so much time pondering prose to write in-which I rarely publish. This has got to change. I need to be more prolific to practice and hone the craft of writing. I need to make mistakes. The scarcity of my writing has to do some with ego; myself wanting to create some sort of guru persona and being overly-careful with what I print.

My heroes always seemed so polished, but I must realize they too started where I am. It takes writing to find that unique voice in-which to be that person is eventually known. I need to be more honest. Here is my shot at transparency.

A few of my heroes wrote his/her way to success, and it seems to be more organic to me to share my journey, as if I have others watching of which makes me more accountable. They each had something in common – a big idea and a theme. I’m coming upon my 35th birthday, and I need to consider the kind of legacy I will be leaving. With that said, I will writing daily.

Some days may be good, others not so great, but I must do it daily. For example, today’s post doesn’t have a catchy headline or any sage advice. I’m warming up though. I have many ideas tucked away that will soon be unfolding.

My goal is not just to write daily, but to publish daily, at least 300 words. Join me on this journey. This is a journey of clarity-seeking, purpose pondering, value-giving. My goal is to give thoughts, ideas, and actionable philosophies to those seeking.

My personality type values precision, however we also value consuming a 360 degree view of information before expressing an informed opinion. Thus, I may be tapping more into my intuitive side, and less into my data in, data out, tendencies.

As I said, clarity of voice, as well as clarity of direction, are two areas I seek. So it begins.

Miracle on Mckinnon 2015

Neil Lemons + Libby Day - Dallas

Myself and Elizabeth Sara Day

Advocacy and charitable functions are big in Dallas. In a city of full wealth and abundance, that is often viewed by outsiders as lavish and over-indulgent, balance is met by giving. Speaking of charitable functions, my significant other Elizabeth Sarah Day and I attended Miracle on McKinnon this last Saturday.  

As a publisher, writer, and social media personality, my plus one and I were “on the list”. Others donated $75 a person to attend for this good cause. I was on the receiving end of being a media member, aka “Influencer.” In the future, I’ll talk more about Influencer Marketing and how you can use this to pack your events, or make those that attend feel extra special, which becomes reciprocal in nature for your own social calendar.

The focus behind Miracle was to provide an opportunity for young professionals to give back to their community during the holidays. The organizers chose Children’s Medical Center Foundation as the beneficiary for the function.

The evening took place at Marie Gabrielle Restaurant and Gardens, located conveniently in the heart of Uptown. This restaurant was right across the street from MoneyGram corporate, where I used to work.

The ticket included premium drinks and carefully crafted hors d’oeuvres catered by Marie Gabrielle. All proceeds were donated directly to Children’s Medical Center Foundation (501(c)3).

By my own estimation, there were 300 or 400 people that attended. The PR folks at SocialRevolt.com did a great job given that it was quite a success.

46 of My Current Goals

These 3-Year Goals were originally written on 3/2012. They have been modified slightly and added to since.

  • Save $20,000 in Get Out of Dodge  (G.O.O.D/E) fund
  • $0 student loan debt – Payoff estimate/date: $4670 – 10/16
  • $0 CC debt – Was paid off in full 12/31/14. Back to $4k ($1k toward edu)
  • Have $18,000 in insurance policy that can be used for indefinite car loans to self
  • Own $15,000 in physical silver and gold outside of the country
  • Leave the US for a year-long  travel adventure
  • 800+ credit score in order to get lowest or no interest on condo
  • Host event with a charity component with 1,000 people
  • Make $4k a month in passive income
  • Receive 250k visitors a month to ILiveInDallas.com website
  • 8,000 Facebook followers (Public Figure)
  • 5,000 visitors to NeilLemons.com a month
  • Make over $100,000 a year – April 29th 2013 started new job making 90k + 20k bonus, also
  • $9k from own marketing company (Search and Social Results).
  • Started new job on 8/14 at $90k plus bonuses
  • $0 car loan debt – Paid off 6/14.
  • 25,000 Twitter followers – Achieved 5/14
  • Open two foreign high interest-paying bank accounts
  • Obtain a second passport (residence) from another country
  • Automate college fund trust for nephews  at 5% interest a year
  • Automate 10% of income to charity holding account & give lump sum yearly
  • Have a 50% organic or juice-only diet until hit 188 lbs
  • Procure 500k in free travel miles
  • Drink and bath/shower in only non-fluorided water
  • Have an email list of over 35k
  • Have 10k subscribers to the ILiveInDallas.com podcast
  • Publish ebook on Amazon that can be read on Kindle
  • Create 100 videos and screen shares that bring value
  • Bring value to 10,000 entrepreneurs
  • Give scholarship to Nocona HS student of $4K for someone interested in Digital Marketing
  • Host holiday with my family at my own home
  • Fly family to tropical island for weekend with me for holiday
  • Find an excuse to interview Aaron for something – 11/15 – Medieval Times
  • Be a dynamic public speaker
  • Perform a concert for 100 people at once (originals and covers on guitar and uke)
  • Earn private plane pilot’s license
  • Cook four course meal for eight people
  • Build a cabin in Ringgold, Texas, for a weekend getaway and/or tenet bed & breakfast
  • Learn to ride a unicycle
  • Be in a TV show or film (create IMDB listing)
  • Live in Austin
  • Get engaged to someone I love
  • Have 10 hyper-local city sites up and running
  • Make $100k from Search and Social Results, my online marketing company
  • Be on my way to having a net worth of half a million dollars by 36
  • Obtain real estate license

The Six Pillars of Writing Goals That Get Accomplished


Photo credit: 2pat.com

“Nothing is particularly hard if you divide it into small jobs”

― Henry Ford

As mentioned in part 1, as far as how to write goals that get accomplished, writing on your list “Be happier” or “Be healthier” is not going to cut it if you’re actually serious about tangible results. If you missed it, and need some context, you can read my own personal journey of how I figured out how to write goals that get accomplished.

The recommendations in this article are a combination of what I’ve learned from reading books on the subject, as well as what truly played out in my life over three years of directed focus using a particular tool.

According to the Holmes and Rahe stress scale, there is a list of 43 stressful life events that can contribute to illness, stress and anxiety are quantifiable.

That said, do you think there could be a quantifiable assessment of happiness, achievement, self-worth and well-being? I’d propose that there is, and with that a way to measure your own. To take this approach you have to be self-aware enough to know what brings you the most happiness, and then chunk those down into bite-sized, measurable pieces.

How to Not Rob Yourself of Accomplishing Your Goals By Using Self-Delusion 

You do not want to write goals that let yourself cop out – making them easy or vague enough to rationalize pseudo-accomplishment.

Some examples of happiness are feeling like one has: more freedom, autonomy, is loved, financial security, a sense of spiritual connectedness, is making an impact on others, and/or is in good health.  All of these can be broken down into sub-parts and/or a result, which is what you must do to make headway. Shoot for a result, not a cadence. “Work out three times a week” is not a result or milestone; it’s a cadence without an end goal.

You will become disillusioned or disappointed if you make cadence-style goals, because it’s very easy to “fall off the horse” early-on with the process. Doing this also becomes a non results-oriented  “how,” which is not what you want to focus on as a goal.

It’s much better to come up with a result as a goal, and then realize that you might or might not know what you will get to that result. It may be revealed to you over time, which is exactly how many of these goals will play out.

Furthermore, only make goals that are active, not reactive. Focus on what you want, not what you don’t want. For example, instead of writing down “Don’t drink too much coffee at work,” rephrase it to “Drink no more than one cup of coffee at work per day.”

This active phraseology puts your mind in the driver’s seat, with less “white knuckling” that makes you feel like you’re punishing or denying yourself.

By making your goals in the positive proactive position (not a judgement of good or bad, but a description of language), and factoring in that you may fall off the horse, you’ll avoid the “What the Hell Effect” ( a real phenomenon).

For example, if you wrote, “Don’t eat ice cream and sweets after 6pm,” for those times when you are craving, you’ll have “just a little bite”, and then go way overboard. You do this because you told yourself might as well, “If I’ve gone this far…” This is a real and proven psychological phenomenon. Avoid cadence and avoid the word “don’t.”

Take full responsibility for your goals by getting a firm grip on your internal locus of control. Make your goals dependent on you, not others’ actions toward you. Even if you’re not sure how you will reach them, your only work is identifying them and having a burning desire to achieve them.

Make Accomplishing Your Goals Inevitable

Find ways to make those goals happen inevitability. For example, if your goal is to eliminate a certain amount of credit card debt by such-and-such date, then your next step would be to automate extra payments where it’s completely paid off by your goal date. Automate that exact payment and forget about it. However, celebrate milestones. Make a Facebook post that says “Only $1000 left to go on my personal credit card debt.” All the congrats comments you receive will give you a small dopamine burst, and keep you going.

Focus on the feeling you’ll have when it’s all paid. Plan what you will do with that extra cashflow every month. Set up an auto-payment with your bank, write down and memorize your projected day of freedom. Then stop worrying about it, and move on to the next one. At the end of the day “getting out of debt” is not what most people want. They want the feeling of freedom and flexibility that not having debt affords him/her.

Another key, even if you haven’t achieved the goal yet, but it’s one that you have automated, add check marks to the goals on your whiteboard. If you missed the technique explanation on the 50 Goals Whiteboard Challenge and the psychology of why it works in this series of articles, go here.

If it’s a reasonable expectation that you’ll be reaching certain goals by automation, without unforeseen circumstances, check only those few off.  Leave them on the board list. This frees up psychological space in your mind to accomplish your other goals in less time.

How to Avoid Common Psychological Pitfalls

This is another huge key, don’t feel guilty, angry, or like a failure at the perceived passing of “too much time” between achieving these goals. Become detached from “the how” of the ones that don’t seem possible, once they are written.

If some seem insurmountable, you’re going to be frustrated, just realize it’s going to happen and deal with it psychologically now. It’s OK to erase certain goals or changes quantifiable numbers on goals judiciously. Just don’t do something silly, like wiping your board clean!

What if others see my goals displayed? So what. That’s great. This creates accountability, and causes your subconscious to try even harder to present your conscious mind with creative solutions. If you are embarrassed and not open about your goals, how are others going to help or feel compelled to introduce you to others that can help you achieve those goals?

The more people that know your “Think Big” goals, the more people you’ll find that want to help you (even those you don’t know yet).

Think BIG, Think VERY BIG

Simply by making “Think Big” declarations, there will be people, things, and opportunities that 
come into your life that you cannot even possibly predict . This type of goal setting is a seemingly contradictory; take full responsibility and control, while not knowing how it’s going to happen.

All great thinkers, inventors, business people, and scientists have done this one thing either consciously or unconsciously in his/her careers or personal lives that have led them to create history-changing accomplishments and innovations – had the confidence that it’s going to happen.

Do not underestimate the power of believing you’re creating your reality, without knowing “the how” of it happening. For more information on thinking big, read The Magic of Thinking Big by David J. Schwartz. It will change the way you think and the limiting beliefs you may have. I’ve read it several times over the years. Although it was originally written in 1959, it has been updated and the information and advice is timeless.

Don’t Worry About “the How”

To reiterate, not all of your goals will be accomplished in a neat and orderly way on a perfectly timed schedule of milestones, all according to your prioritized chronological list. Some will take on a roller coaster effect where you may be nowhere near reaching it, when something comes out of the woodwork that propels you to surpass that goal. It’s truly magical.

Become Detached From the Outcome

Lastly, meditate and visualize yourself achieving these goals. Feel the feeling of yourself achieving each goal you’ve written down one-by-one. Lastly, let go. Don’t stress. Become relaxed and detached from the outcomes. Counter-intuitively, an indirect path can often become the most efficient path.

You don’t want this board to be a cause of pain in your life. Look at it as a fun exercise that could very-well make your life look much different three years from now. Don’t make these goals do or die; they are supposed to make your life better.

Summary: How to Write Goals that Get Accomplished

1. Be specific (not vague), and quantifiable
2. Focus on what you want, not on what you don’t want
3. Set up circumstances so certain goals become inevitable
4. Think BIG, Very Big
5. Let the “How” reveal itself
6. Detach yourself from the outcome

That’s how to write goals that get accomplished.

Get more posts likes this when they are published via email, by subscribing here. 

– Neil



How to Write Goals that Get Accomplished


In the last post, titled A Simple But Powerful Goal Setting Tool that Rescued Me From a Personal Growth Rut, I explained one method, called the 50 Goals Whiteboard Challenge, that I used to meet and exceed many of my three-year goals.

When researching goal setting, I came across this piece of research experiment on New Year’s resolutions.

A comprehensive study commissioned by Australian comparison website Finder.com.au in 2014 of more than 2,000 people found that 42% of participants set themselves a New Years’ Resolution however, most failed at their goals.

In fact, the study showed that almost two in three people (62%) didn’t succeed with their resolutions. Interestingly, out of those who did achieve their resolutions three in four participants (76%) believed that sharing their goals, for example on a social networking sites, helped reach them.

The most common reason for participants failing their New Years’ Resolutions was setting themselves unrealistic goals (35%), while 33% didn’t keep track of their progress and a further 23% forgot about it. About one in 10 respondents claimed they made too many resolutions.

A 2007 study by Richard Wiseman from the University of Bristol involving 3,000 people showed that 88% of those who set New Year resolutions fail, despite the fact that 52% of the study’s participants were confident of success at the beginning.

Men achieved their goal 22% more often when they engaged in goal setting, (a system where small measurable goals are being set; such as, a pound a week, instead of saying “lose weight”), while women succeeded 10% more when they made their goals public and got support from their friends.

Now, do you see some of the problems with having a “New Year’s Resolution?” Every year people make New Year’s resolutions, and every year millions of people fail. Why? One reason is the foundation of how they are written. I want to get a little deeper into what I’ve discovered to be a better way to write goals.

As you can imagine, along with writing your goals in a specific way, your own internal psychological management is a big part of the goal making and achieving process. Here are some tools that will help.

1. Avoid the Big G
The big “G” are generalities. The first knee-jerk reaction you want to avoid is being extremely vague and general about your goals, by writing down objectives that are hard, or downright impossible, to measure (a.k.a. not quantifiable). Here are some examples of goals that are vague.

  • Be healthier
  • Be happier
  • More income
  • Make more friends
  • Date more
  • Spend more time with my spouse

2. Be Specific 
Avoid the “ier” and the word “more” when using modifiers for your goals. Use numbers or what I call merit milestones. What are merit milestones? These are non-quantifiable achievements that are recognized by yourself and others as reaching some sort of discerned effort and notable record of accomplishment. This is sort of it happened, or it didn’t. An example might be a college degree. It’s the college degree plan and academic board that decides how many credit hours it takes to get that degree. There is not much gray area. That’s merit milestones.

Here is a example of a goal gone wrong.

Goal: “Get good at tennis.”

If you use Malcolm Gladwell’s definition of mastery, 10,000 hours (often, ten years) is the definition of mastering a major skill. Just how “good” do you want to be at tennis? Good enough to win the US open, or just good enough to beat your best friend? If the latter, make the goal: “Beat ____ at tennis for ____ games in a row.”

What to Avoid During the Process

  1. Being all-or-nothing – erasing your list when you get frustrated or that one “special goal” isn’t being achieved fast enough. That’s why you have 50, to show progress to yourself for the ones that take less time!
  2. Making goals that are out of your control, depend on extreme odds, or based on one particular person’s acceptance (win the state lottery, marry Natalie Portman/Ryan Gosling).
  3. Using, or planning on using, this board for anything else other than its goal-setting purpose. Get a new board for other uses (like grocery lists) – they are less than $15 at Target.

Get my next post: The Six Goals of Writing Goals that Get Accomplished , where I’ll give you tools to help overcome some of the natural psychological hurdles to accomplishing goals by going here. Get more posts on
personal growth, career, entrepreneurship, success, lifestyle, and liberty. by subscribing here. 

– Neil

A Simple But Powerful Goal-Setting Tool that Rescued Me from a Personal Growth Rut

Photo Credit: Fubiz.net

Photo Credit: Fubiz.net

“There is one quality which one must possess to win, and that is definiteness of purpose, the knowledge of what one wants, and a burning desire to possess it.”
– Napoleon Hill

In early 2012 I was fed up. I seemed to be at a sticking point in my life. I was unhappy with the drudgery of my corporate job, sick and tired of consumer debt, depressed at my lack of savings, and inability, despite my best efforts, to save. I was angry at myself for my uncontrollable bad habits.

Lastly, at the time, I was dating, but I didn’t have the courage to seek out the specific types of romantic relationships that I knew would be more fulfilling. On that day, I was reminded of an “ah-ha moment” I learned from a college girlfriend, which led me to discover a simple, but powerful, tool that changed the way I tracked and kept up with my goals. I felt like I had snapped out of a multi-year cryogenic sleep, because over the next three years I started accomplishing a whole lot more, and much faster.

So, what did I accomplish using this method:

“Big for Me” Goals I Accomplished in Less Than 3 Years Using This One Simple Method

  • Went from $XX,XXX to nearly $XXX,XXX (+17%) in yearly income.
  • Accepted three increasingly more interesting and better titled career-propelling positions.
  • Increased side consulting business from zero to +$10k in less than a year.
  • Organized and promoted a charity-focused arts event with 125+ in attendance.
  • Paid off $10,000 in credit card debt, owing nothing for the first time in 10 years.
  • Paid off a $13,000 car loan and didn’t apply for another (I will pay cash for my next car).
  • Invited to attend dozens of local food festivals, VIP events, and new restaurant openings.
  • Reached over 100,000 visitors in a 30 day period with my city-based arts/culture blog.
  • Increased year-over-year traffic by 78% for the city-based arts/culture blog.
  • Attracted over 36,000 Twitter followers and other growth for the same publication.
  • Hung with legends like Richard Branson, Francis Ford Coppola & cast(s) of DALLAS.
  • Co-Hosted an Internet podcast that received 14,000 downloads from 14 or so shows.
  • Took over and grew a marketing mastermind group from 100 to 1,000 members.
  • Became more prolific, purposeful, and decisive in dating potential marriage partners.
  • Gained a more purposeful life through discoveries of truth I could have never predicted.
  • Became closer to my family, plus dozens of other goals that are still in progress.

I don’t tell you these things to brag. There are literally millions of others that have achieved much more in less time using the same process, especially among my peer circle in the area in-which I currently live (Dallas, Texas). These are what I consider “Big for Me,’ and outside of my regular achievement programming.

How did I achieve these goals? The magic was in the method, and using it improved my speed and velocity of achieving some of my personal goals. These were big for me, not everyone. Also, they were on my list. They didn’t just happen by default. The secret is to let the subconscious mind work while you live your life deliberately. I’ll explain more as we go.

Life Wasn’t Automatically Easier 

Since achieving many of the goals I had my heart set on for three years, my life did not automatically become easy. I have had an extremely hard year-and-half, rocked hard with some expensive life lessons not just financially, but psychologically.

I will share those anecdotes at a different time. Despite having a tough time personally. professionally I’ve done well. More importantly, my spiritual life has become much more rich; my faith has increased greatly.

Sharing is Caring

As I mentioned in my stated mission with this site, I’m at a point now where I want to absorb less and share more of what I’ve learned in personal development, not to “speak down from the mountain,” but in order to contribute to others’ growth while continuing to work on my own.

One of my gifts is my story. May it inspire, teach, and/or entertain others – even if the inspiration comes from one saying “If he can do such and such, then I can” or “I don’t want to be like that guy, so I’ll keep reading to learn from his mistakes.”

This unpacking of stories and the lessons I’ve learned from a personal development perspective is going to take a certain degree of transparency, which I welcome.

Back to the subject at hand, goal setting. Before I tell you the method, let me first explain that I had considered myself a goal-oriented person before that moment three years ago.

For years, I had created long lists of goals. They were usually created out of a position of dissatisfaction, which is not the best place to create and architect a life of one’s dreams.

Setting Goals Verses Creating a New Year’s Resolution

I was never a “New Year’s resolution” setter, because I always thought a resolution was the opposite way one should approach a goal. I felt I should focus on the result, not focusing on what I didn’t want to do, or need to fix. My goal lists were generally long, specific, and time-based.

Even though I learned to focus on results and specifics years ago, what I realized in March 2012 was, that my goals were disorganized and out of sight, and out of the everyday working ram (memory) of my mind computer.

These goals were typed out on different computers, dispersed among dozens of digital notepad text files in desktop folders and half a dozen yellow legal pads. Ideas were strung about here and there. Many of them, in actuality, were hit or miss.

Power in the Pen, Power in Simplicity

So between the years 2005 – 2012, I would end up finding text documents or legal pads of to do lists and realize, surprisingly, that I had accomplished some of the big things on my list that had seeped into my sub-conscious. I no longer wanted this just to be a surprise. On that day, I wanted to create a duplicatable process.

I also wanted to create a teachable process, similar to the goal-setting gurus from whom I had learned some of these techniques. One of my longer-term life goals is, as it is for many, quantifiable contribution and impact. My hope being that I can best impact by personal anecdote and contribute with useful takeaways.

Returning to my anecdote, during the last part of college, I had a girlfriend that would put her “To Do”list(s) on large white butcher paper. She would hang them all over her apartment from her bedroom to the kitchen.

She claimed she did this because she would forget crucial things due to her ADHD. Since that time, I had considered doing the same, only for less every day, more intermediate goals.

I was timid about trying this at first because others would see my deepest aspirations plastered on my apartment walls, but in March 2012, I decided that I no longer cared and it was worth doing. I didn’t use butcher paper; I used a whiteboard. It turned our better than I could have imagined, as evidenced above.

What do I call this method? It’s called the 50 Goals Whiteboard Challenge.

Of course this isn’t the only way, or necessarily, the best way to reach goals. It’s just one way, or one tool for achieving goals. It combines several applied principles I have learned over the last ten years from writers, thinkers, productivity geeks, and self development gurus, much wiser than me. Mindset does play a big role, and we’ll get deeper into that later. Right now we’re just starting with brass tacks.

If you’re an achievement-oriented person and you have your own system, the simplicity and honestly of this exercise can work for you just as well, and add to your overall mix.

How to Take the 50 Goals Whiteboard Challenge

  1. Write down 50 of your three-year goals on a whiteboard (don’t type them on a computer).
  2. Think BIG, think VERY big. Make all goals quantifiable, or merit-based milestones.
  3. Keep the whiteboard of goals where you, and others, can see them everyday, at home.
  4. Make small, but high-leverage, actions weekly that lead you to accomplishing those goals.
  5. Set up circumstances that will tackle multiple goals automatically and simultaneously. 
  6. For the ones that can’t be automated, don’t worry about them at this point in the process.

“Don’t let the fear of the time it will take to accomplish something stand in the way of your doing it. The time will pass anyway; we might just as well put that passing time to the best possible use.” – Earl Nightingale

As you can see, what Mr. Nightingale is saying is that even though you put a three year timetable on it, don’t stress about how long that sounds, or if it takes longer.

Three years is short enough to be understood by the conscious mind (you can remember where you were three years ago if you take a pause), but long enough to let the sub-conscious mind work to synthesize solutions to reach your goals.

There you have it, one powerful and practical tool for achieving your intermediate goals, the 50 Goals Whiteboard Challenge. 

Need a more specific, step-by-step formula for writing your goals? Get my next post: How to Write Goals that Get Accomplished when it’s posted, via email, by subscribing here. 

In the next post, I will take a deep dive into what might be the “elusive obvious” when it comes to settings goals. By crafting them a specific way, they are more likely to get accomplished.

– Neil

An Open Hate Letter to Consumer Debt

Dear Consumer Debt,

Let the record show, on this thirty-first day of December 2014, in the year of our Lord, that you, Consumer Debt (a.k.a. personal credit card debt), have been irrefutably, legally, and legitimately paid off. As of a few hours ago, I owe you nothing, zilch, nada, absolute zero.

I have capitalized your name as a proper noun because personifying you helps stir the needed painful emotions to prevent me from ever inviting you into my life again. You’re an unwanted, filthy, and immoral house guest that has overstayed her welcome.

You’d think by addressing you formally in an open letter I would use a colon after the salutation, but you see this isn’t business; it’s personal.

After four years of monthly payments this last go around, and five years the time before, your insatiable blood-lust has been sucked from this human for the last time. You won’t be getting anymore monies from me.

I’m not a hateful person. I’ve never had a problem with rage, hate, or anger. However, after two stints of what I can only compare to paying almost a decade’s worth of alimony to a cheating harlot, I can honestly say I hate you, and I hope I never see you again.

Over four years, what did you temporarily take from me?

  • Willingness to spend money traveling out of the country
  • Some of my self-respect & identity for being a rational/logical/smart person
  • Confidence in applying for or taking on a condo or home mortgage
  • Flexibility in entertaining job opportunities potentially more fulfilling that paid less
  • Ability to pay more on my student loans, which is considered “investment debt”

You stole half of my 20s and a 1/3rd of my 30s. You’re a succubus, a lecherous whore, that creeps in and seduces in the night ever so slowly until one day your victim is emotionally overwhelmed by a state of learned helplessness, or worse, detached/disassociated apathy. You’re an addiction where the victim toggles from deprivation (frugality) to unaccounted for spending.

You’re a home wrecker. You break up marriages and cause people to end their own lives. Honest, hardworking people blame themselves in retrospect for letting you in at the point when you get “out of control” (relative). However, it takes two to tango. You didn’t play fair, and you never intended to, because your game is rigged.

You know my life. After working very hard in school, getting good grades, and having several “character-building” jobs, in 2006 I found myself with what I consider my first relevant career-building position.

In 2008, in the beginning of the third year at my first real job, I convinced my employer to give me a 32% raise. I then found myself and with a good amount of disposable income. I didn’t realize at the time that I was earning more than some do after a steady five to seven years in their career.

Over the next two years, I did as many Americans do and lived above my means. I was told it was “good to have and use credit,” along with lots of other consumerist propaganda.

I was laid off in 2009, and took a job that paid 16% less. After six months at that job, in 2010 I took a job that was an 83% increase in salary, and a 29% net increase from the one in-which I was laid off.

With this new prosperous opportunity, I found it odd that I was still late on my rent, wasn’t saving, and living paycheck to paycheck. This was Parkinson’s Law, and then some.

Freedom is one of my core values, and after linking the fact that you, Consumer Debt, rob us of our freedom, I got angry. This is why I am writing this harshly-worded hate letter to you now; so I never forget what you did to me.

In 2010, instead of being angry at myself for a second time, I decided to learn my way through the problem by consuming tons of personal finance books and acting within what I could control.

Four years ago, I severed the relationships with the slave masters that manage and disperse your growth. I mustered the long-term willpower to make a plan to pay your ransom. On that day, I swore to myself and my future family that I would never make the mistake of owing you again. With no help from you, tomorrow is the first day of a consumer debt-free life. Stay far away and don’t ever come back.

Worst wishes to you,