~ Happy Thanksgiving ~

Happy Thanksgiving from the Rays!
We hope your Thanksgiving is filled with lots of food, family, rest, football, and most of all, gratitude.
Gratitude takes our focus off what we lack and places it on everything that we have.
Have a wonderful Thanksgiving!
Will, Nancy, Winston, and Baby Ray
Thanks to Callie Davis for this image.

By |November 27th, 2014|Life|0 Comments

What Are You Thankful For?

Oh, why I’m glad you asked!  My mom always forced us to make a gratitude list when we were young around Thanksgiving, which we hated.  Like many things, I’m thankful for it now.

Gratitude takes your focus off of what you lack and places it on the blessings you have.  It crushes selfishness and inspires generosity.  Gratitude removes angst and frustration and promotes peace instead.  It’s a powerful thing!

That being said, I’m thankful for…

– My amazing wife, who is an incredible life partner, friend, lover, confidant, business partner, counselor, encouragement, and blessing to me.

– The tiniest member of our family, who will be arriving in May!

– Jesus.  I’ll never be able to fully grasp the profundity of the gospel.  It’s new every year.

– Freedom.  While I […]

By |November 24th, 2014|Faith, Life|0 Comments

We Have Some Exciting News to Share!

We’re very excited to announce the tiniest member of our little family:  Baby Ray, due May 27, 2015!

Nancy and I are thrilled, but we were a little surprised when we found out in late September.  I came home from a half-day financial conference, and Nancy said she wanted to chat.  We sat down outside on our back porch, and she had a little gift box prepared.

I opened it, and inside there was a balloon, some confetti, a note, some baby socks, and the cutest little baby hat with tiny ears on it.  I didn’t understand right when I opened it, but I picked up the hat and said, “NO!  Are you SERIOUS?” and dropped the hat like it was a hot potato.  When Nancy nodded, […]

By |November 20th, 2014|Life|2 Comments

Birthday Week Recap

I missed my first Tuesday Tips post in some eight months last week, as I took a day off from blogging on my birthday, November 4th.

We’ve had a big week, so I thought I might share a few highlights.  We headed up to Washington, DC on my birthday, as Nancy had a session up there and I had the flexibility to join her!

Yes, Nancy and I are Segway nerds!  Nancy’s sister suggested we start using the hashtag #SegRays whenever we go do a Segway tour.  I first got a Groupon for a downtown Raleigh tour, and it was fun as could be!  Some time later, we went on a tour of downtown Nashville, and Nancy has been on a Segway tour of the Biltmore estate.  So, […]

By |November 10th, 2014|Life|2 Comments

Making Things Happen! – Recap

It’s kind of hard to explain Making Things Happen to people who maybe haven’t been there, but I’ll do my best.  I was privileged to be a part of Making Things Happen last week with 80-some other amazing people.

Most people come to Making Things Happen thinking that they are gonna get the kick in the pants and the information they need to go out and make their dreams happen.  And they do get that (and so much more), just maybe not in the way they expected.

Making Things Happen is not about getting stuff, achieving things, being someone you’re not, or doing what doesn’t really matter.  MTH is about realizing anew what matters most – deep down inside – and making the necessary (and hard) choices to do the things required to get you […]

By |November 3rd, 2014|Life, Money|9 Comments

Don’t Settle for Default

The iPhone 6 came out a few weeks ago.  Many of you probably got one.  But let me ask you this: How many of you got your iPhone 6 and left it with all the default options?

Do you still have just the standard, pre-loaded apps on there and no others?  Still have the default wallpaper and background?  Still all the default settings?

No way!

You’ve put your favorite picture or graphic as your wallpaper.  You’ve customized each option to your liking; you’ve downloaded every app, and you’ve signed into all your services so it works just right, exactly how you want it.

You do this because the default options aren’t really that great.  Maybe they were at first, when the iPhone was originally invented, but now the default […]

By |October 30th, 2014|Faith, Life, Money|0 Comments

It’s Time to Invest!

Disclaimer: This is not a guarantee of investment returns, equity performance, or economic growth.  I am not an investment advisor.  Consult yours or ask me for a recommendation.

$3.1 Million.  That’s $3,100,000.

“What of it?”  you ask?  Well, that’s the amount of money you could have.  That’s what you could have, for yourself, one day.

What could you do with a cool $3.1 million?  You name it!  Just about anything you want, I’d imagine!  I could do a few things with a cool $3.1.

So how do you get there?  How did I come up with this number?

Well that’s probably the best news of all.  This number is the product of 35 years of saving for retirement on a median salary.  Nothing fancy, nothing secret, nothing extraordinary.  You don’t have […]

By |October 27th, 2014|Life, Money|0 Comments

It’s time to Make Things Happen!

I’m so thrilled to be able to attend and speak at the Making Things Happen Conference today and tomorrow in Chapel Hill, NC!

I first went through MTH in March of 2013, and it was an outstanding experience.  It provided a ton of clarity for me and helped crystallize some things that were swirling around without much specificity.  You take time to do some serious thinking, dig deep, and figure out what really matters.

The whole theme of the conference is its desire to help people make what matters most happen.  What are the important, key things in your life that you need to make happen?

It’s such an awesome experience.  Follow the conference Instagram feed here!

By |October 27th, 2014|Life, Money|0 Comments

Announcement for WordPress.com Subscribers

As my blog has grown, I’ve made use of a plugin from WordPress.com for email subscribers that also serviced WordPress.com reader subscriptions.

After some research, I’ve decided to go with a different service for email distribution of blog articles.  The bottom line is this:

If you already receive blog posts in your email or prefer reading the blog in your web browser, you don’t have to do anything.

If you currently get my blog posts via a WordPress.com reader and would like to continue to subscribe for regular updates, just put your name and email in the signup form in the sidebar.  

The current WordPress.com reader distribution will be discontinued, though RSS is still supported.

Your email is always held securely, and I will NEVER share it.


By |October 3rd, 2014|Faith, Life, Money|0 Comments

The World is Open to You

Saw this quote recently, and loved it.  It’s attributed to David Brooks (not sure if it’s the journalist or the author).

I think it resonated with me because it encapsulated my personal view, which I’ve termed “optimistic realism.”  I’ve been accused of pessimism in the past, because I believe things aren’t as good as they perhaps could be.  But I see my view as simply a realist view – things aren’t as bad as they could be, but they’re not as good as they could be either.  Circumstances are what they are now – they might be good and they might be not so good – but they can be better, if you make it so.

The world we live in has no limits.  You can do […]

By |September 1st, 2014|Life, Money|0 Comments