Herb Kay's S.O.S. System
  July 15, 2010
  "I'm Herb Kay and the most important thing to know about me is that I'm not going to lie to you or pull your chain. Ever. In my S.O.S. Guides, I give you, well, guidance, in a straight-talking and step-by-step way. The website offers the "advice side" of my system. Here, in my blog, I'm going to dig a little deeper and get a little grittier. That's the opinion side of my system. Will I say something that might shock you? Maybe. Will I ruffle some feathers? Perhaps. Will you close the page with some food for thought? Absolutely."

The Herb Kay Way is the straight forward, never-mince-words way. Check out Herb's latest blog on your money, your career, your debt, the economy and the world we live in.
 
When Downsizing is a Powerful Tool
Can We Address the Important Issues?
Just a Sentence or Two.....
A Dose of Reality
Getting Involved and Taking a Stand
Study Up on Your Loans
Drop Back Ten and Punt!
Who Can you Depend On?
Some Sobering News About the Economy
Grab a Beer and Take the Slide Home......
Another Loophole, Another Lesson
What is Your Core Conversation?
Loyalty and Leadership
The Argument for Being a Grownup
The 'Business' of Complaints
Electricity in the Air......
Taking a Hard Look at the Figures
A Public Life
My "Advice" to You
Perspective vs. History
Worried Sick!
It's About the Kids!
Gooooooooaaaallll?
Where Will the Money Come From?
Immigration Arguments: Debunked!
Blame Policy, Not Banks
Happy Birthday America!
Crony Capitalism
G8/20 and What That Means For You!
Our Economy and the Free Market
Building a Bubble?
"Fixing" Our Problems
The $20 Billion SNAFU
A Screaming Deal!
Action Breeds Success!
It's Going to Take Some Effort!
Getting Our Lives Back
For Better or Worse......... I Prefer Better
The Pressure to be President.......
This Great Nation......
Financial Reform - Ha...what a joke!
Municipal Bonds are a thing of the Past!
Feeling Good!
Moving Forward
The Signs Are All Around Us
It's a Grim Diagnosis
Oh, the Pressure.....
The Big Fat Greek Fallout
It's Getting Ugly......
Perfection is a Myth
Be Different
Moving on While Moving Ahead
An Immigration Abomination
I've Got a Question.......
Logic vs. The Logistics of Inflation
The Free Market - Greed at its Very Best
Informed on Inflation
Don't Fix What Isn't Broken
Harnessing Energy - The Herb Kay Way
Staying Ahead of the Curve
What Trade Deficit?
Greek to Me
There's a Bridge in Brooklyn......
Problems That Don't Exist
Don't Invest in Mediocrity
The Fed's Mutually Exclusive Roles
Deadly Serious
Election Year Scapegoats
"Willfully Insane"
Balancing your Beliefs - How Our Political Convictions Influence the Debate Over the Economy
Let's Reward the Renters
Don't Plug the Hole.......Replace the Bucket!
Europe's Safety Net
The Collapse of the System
Apple Makes a Lemon
Pot, Capitalism & The Free Market
Who is Your Banker?
Real Estate? Now is NOT the Time!
Grading on a Curve
When the Inflation Stars Align
When Foolishness Goes International....
The Recovery?
The Competitive Advantage of Reaganomics
What Wednesday Brings.....
Stopping The Addiction
Signing On The Dotted Line
Be Optimistic - Not Foolish
The Real Story
Selling Your House (and your credit) Short!
The Entitlement State
It's Anyone's Guess
Ask, And You Just Might Receive
Crazy Like A Fox!
It's Only Tuesday!
Spending Some Time - Cutting Spending
There's No Such Thing As Easy Money!
What Exactly is Responsible Borrowing?
Just Bite The Bullet
With Change Comes Turmoil
Q & A......The Herb Kay Way!
Wanna Bet? Gamble on Inflation!
A Lesson on Education
Two Different Beasts: Why Price Does Not Equal Wealth
For this Party - Three's a Crowd
Good Luck With All of That!
Dear Mr. Bank President:
It's Not That Simple
Raising the Stakes
State of The Union: The Herb Kay Way!
Capital Gains - Your Pains!
Cooking the Books
What's in a Name?
Questionable Choices: Healthcare Reform
And the Person of the Year Is......
A History Lesson
Goverment's Stimulus Fairytale
Let's Hope I'm Wrong
Fake Money = Real Problems
Collectors Lie
35 Million Americans Can't Be Wrong
Simple Truths, Simple Lies
Lending and The Federal Reserve: Why Making Banks Rich Again Will be Bad for the Economy
Are You Health Care Aware?
Have Good Credit? With New Legislation in the Works, the Question is, Who Cares?
Healthcare and the President
Tips for Choosing a Bank and the Right Bank Account
 
Worried Sick!
 

Men plan and God laughs.  My grandfather taught me that when I was but a tot and it is the truest of truisms.  How often have all of us laid awake at night worried about this or that? I know that I have and in all the times that I have fallen into that trap, I can't think of one time where it affected the outcome of whatever I was worrying about.

I mean I have laid there worrying about my children, and it all works out on its own.  And I have laid there worrying about business, and it all works out anyway.  Heck, I have laid there worrying about so many silly things that I am ashamed to mention it!  And yet the lesson is clear; worry does not affect outcome, ever.

Also, have you ever noticed how much worse things seem at 2 am?  And then how much clearer they seem in the bright light of day?  Somehow (for me at least) daytime is full of possibilities and nighttime is full of, well, nightmares.  I don't know why this is, as nothing at night is any different from what is there during the day, but the perspective changes for me at least.

I share this with you because I get a lot of emails every day from subscribers who are in real pain and worried sick.  I can practically see the worry they are experiencing and the exhaustion they feel at trying to resolve their problems.  It is darn near impossible to make clear decisions when you are totally beaten down, tired, and weighed down by shame.  I know that this is easier said than done, but you have to let it go and realize that, like my grandfather said, Men Plan and God laughs.  The outcome of our troubles will come worry or not and so why make yourself sick?

My little tip for how I deal with this, the middle of the night worries, is to get out of bed as laying there makes your bed a habitual place of worry and that is a bad pattern.  Go out to your living or family room, get a book or turn on the TV, and get out of your head until exhaustion sets back in and then return to bed.  Plus, a glass of warm milk and a banana (a natural sedative) to go along with it will calm you.  What you don't want to do is become dependent on drugs or alcohol, even over the counter sleep aids, as this is just putting a band aid on it and will lead to the need for more and more.  Finally, and this is a little New Age I know but it really works, consider going to a local business, health club, or YMCA and taking Yoga. It is all about getting out of your head, into your body, breathing and relaxing, and gaining control over your stress.  It really works and has been around of thousands of years for a good reason!

Victory over your problems starts with protecting your health and well-being.  Achieve that and the rest will fall into place, I promise.