Your Survival Guy

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    • June 2023: Your Survival Guy in Rome 30-Years A.B. (After Babson)
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    • Welcome

Your Retirement Life: Sage Advice on How to Get Ahead

October 14, 2016 By E.J. Smith - Your Survival Guy

You don’t have to start your own business to be an entrepreneur. That was some key advice I recall from the late Tom Stemberg, founder of Staples, when he spoke at Babson College—known for its entrepreneurship programs. Stemberg felt that the best way to continue a business education was by working for a company that was already established—a leader in their field. His idea was to absorb as much as possible, and then, after seeing how the sausage was made, determine if you had the stomach to really do something on your own. I was reminded of this sage advice from Stemberg during a recent … [Read more...]

Your Retirement Life: Will Your Family Survive the Money Crisis?

October 7, 2016 By E.J. Smith - Your Survival Guy

“So where have we retired? The local airport is our retirement home and will be for the next 10-years,” wrote my new friend Nancy in response to my “Your Retirement Life” series. “My husband just retired at 70 from pastoring a local small church for 35 years. For many years it was full time work, on a part time salary. I still work part time as a nurse locally and we homeschooled 6 of the 7 children K-12. We now have 23 grandchildren in 4 far away states. Ideally we’d ALL like to live closer…but those jobs!!!!” I emailed Nancy, to thank her for sharing her story, and asked if she would have a … [Read more...]

Your Retirement Life: My Latest Advice on Amazon Stock

September 30, 2016 By E.J. Smith - Your Survival Guy

Lately, I've been obsessed with everything Jeff Bezos, CEO of Amazon. I'd love to own his stock, but not at these prices. Does that mean the stock is going down? Hardly! I just don't see the margin of safety—a term coined by the late, great Benjamin Graham who taught Warren Buffett a thing or two about investing. You won't be surprised by this, but Mr. Graham paid particularly close attention to one word: Dividends. Bezos' Amazon doesn't pay a dividend. But it does deliver. Sometimes the foyer at my house feels like a fulfillment center with all the boxes. Everything Bezos touches, like an … [Read more...]

Your Retirement Life: Porsche Heads into the Fire!

September 16, 2016 By E.J. Smith - Your Survival Guy

Your Retirement Life is my brand-new series featuring stories from you. I want to know what you’re up to. [inlinetweet prefix="" tweeter="" suffix=""]We can only learn from each other.[/inlinetweet] Please share Your Retirement Life by emailing me at: ejsmith@youngresearch.com I received this great email yesterday: "EJ, Our Porsche is a 1986 911 Turbo which I purchased new 30 years ago. It’s in great condition and we love taking it on the terrific driving roads in the Rocky Mountain West. This past weekend a neighbor couple, in their 360 Ferrari, joined my wife and me for a driving … [Read more...]

How to Buy a Boat Part VI

August 20, 2015 By E.J. Smith - Your Survival Guy

A lot of great stuff happens when you’re on the water. It’s usually the things that you don’t plan which end up being the best memories. Like the time when I was shark fishing as a kid with my cousins, my uncle Ron, and my dad. My dad had a brand new pole. At one point he went down below to get some sandwiches and Uncle Ron began shouting, “Randy you’ve got a fish on your line!” Within seconds the pole was overboard. After lunch, Uncle Ron hooked onto to a sand shark and yelled, “Randy I’ve got something.” As it came into sight my dad said, “Ron! He’s got my pole!” The fish got away. But we … [Read more...]

How to Buy a Boat Part V

August 18, 2015 By E.J. Smith - Your Survival Guy

“If you’re going to buy a boat that is mass produced, make sure you don’t buy the one that was put together on a Friday afternoon,” Skip Helme, Owner Brewer Street Boatworks. Well Skip and I made our offer, it was accepted and we needed to get it surveyed. Skip said he knew just the guy: Steve Maddock. Turns out our boat was built on a Friday afternoon. Steve Maddock is one of those guys that’s so good at what he does you’re just happy he’s on your side. He’s not afraid to ruffle feathers and tell people what he thinks of the boat they’re trying to sell. So, Skip and I planned … [Read more...]

How to Buy a Boat Part IV

August 13, 2015 By E.J. Smith - Your Survival Guy

Money can’t buy you happiness, but it can buy you a boat. So with that in mind, Skip and I planned out our road (and sea) trip to Long Island.  We chose Long Island because there were about five to ten boats of the specific make and model we were targeting for sale at various boatyards and dealerships there. Also, Skip summered on Shelter Island, NY and knew the area well. After looking at the first couple of boats, Skip suggested we come up with a back-of-the napkin scoring sheet. We graded each boat based on overall condition, hours on the engines, and an assortment of other factors. For … [Read more...]

How to Buy a Boat: Part III

July 16, 2015 By E.J. Smith - Your Survival Guy

Once you decide to buy a boat you can’t wait. I was working out with Jane Beezer early one morning updating her on my boat search. I told her Becky and I had been to a couple of boat shows and looked at some new boats on Cape Cod. I told her we loved the boats but there was no way were paying a new boat price tag. And then Jane asked, “Have you talked to Skip?” No, I had not talked to Skip. But the fact that Jane referred to him by his first name made me think: “I better talk to Skip”. I met Skip Helme during my lunch break. I told him why I was there and he said “Let’s go look at … [Read more...]

How to Buy a Boat: Part II

July 2, 2015 By E.J. Smith - Your Survival Guy

Once you decide you want a boat you need to decide what kind of boat: Power or Sail. I have a ton of memories from sailing as a kid. One that stands out is a re-occurring daydream I’d have. It would often happen while we were sailing out in what felt like the middle of nowhere—not a single boat in sight, a light breeze, barely moving. And I would think: How cool would it be to have a powerboat! Don’t get me wrong. Becky and I love sailing, especially on my parent’s boat Sunset. It’s moored in Mattapoisett—an idyllic location for cruising to the Elizabeth Islands and Martha’s Vineyard. … [Read more...]

How to Buy a Boat: Part I

June 16, 2015 By E.J. Smith - Your Survival Guy

You know the saying: The two best days for a boat owner are the day he buys it and the day he sells it. Well I bought a boat a few years ago and it was the best day. So I thought I'd share with you the process I went through to get there and hopefully help you in your own search for a boat. The first thing you need to do is decide that you want a boat. I grew up in Mattapoisett, MA which is a small town on the water near Cape Cod. To know where Mattapoisett is imagine looking down on Cape Cod from the air—Mattapoisett is the armpit. It's a real pretty town right on Buzzard’s … [Read more...]

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