Pay it forward

Are you saving enough for retirement

Paying it forward ideas

There are so many creative people with pay it forward ideas here at WA you might say there are more ways to help than we have members. There is a thread that seems to be consistent in mosts posts. “I want to help others.” We find so many ways to help. Each of us takes a different approach to helping. Sometimes it is offering encouragement. Sometimes it is helping a member solve a problem. Sometimes it is simply sharing our story.

Lots of us want to be a life coach. When we promote WA, we are coaching.

I am a life guide. I don’t feel I can be a coach. Who am I to tell you what to do? But, I can help you evaluate your life and your values and help you find that one thing you want to accomplish more than anything else in your life. When you know your mission, it will guide your life. How you spend your time determines what you will accomplish in your life.

Margaret Mead said, “Never believe a small group of caring people can change the world. For, indeed, that is all that ever have.”

Working together

We can be most effective when we work together. Margaret Mead was active was active in the 60’s and 70’s. She didn’t have the advantage of the internet.

Today we can use the internet to attract millions of people. As a life guide, I have to be a futurist. I look at trends and write scenarios of what could happen. No one can predict the future. No senario I write is more probable than another. I can forsee a futer in which AI and automation can replace all repetitive jobs.  Sales clerks, truck drivers and even paralegals will no longer be needed. Those jobs will be replaced by jobs we cannot even imagine. Employers will be hiring creative, adaptable people who have a broad range of skills. Everyone else will be freelancing. They will be hired to complete a project. When the project is completed, they will be fired and have to find a new gig.

People are not saving enough for retirement

Finding a job this is yeah will become more difficult as we grow older. By the time they become unemployable, only people who have their own business will be able to earn a comfortable living. As long as your health holds up you should be able to freelance provided you maintain your skills. When you can not longer work, you will have to depend on retirement savings and medicare. The trend is, people are not saving enough to fund a comfortable retirement. Unless you develop a business that provides you an evergreen income you will be in trouble.

Creating Passive Income

You can find affiliate programs that can provide you a passive income. It is called internet marketing and it is what WA teaches. I prefer a busimness model where I get a commission based on the sales volume I develop in my sales team. Some people create passive income by buying commercial realestate. Some by creating a insurance agency. Others write and sell books or movies. Successful actors get royalties based on the profits of movies they work in.

I think the best opportunity for most of us to create a comfortable retirement in a relatively short time is by creating a multi-level marketing downline.  Trouble is 90% of MLM marketing programs are scams. I look for companies that market quality products at competitive prices. I try the products and if I will use them myself, I will promote the business.


The internet makes it possible to promte anything you choose to work with to half the population of the earth. IM provides us an opportunity to develop income and help others that no other generation has had.

Whether you want to work for someone else, expand a brick and mortar business or create your own startup, if you ignore the potential of the internet to brand yourself or your business you are going to face stiff competition. When you use your website to tell your story you are standing head and shoulders above your competition.

When you help enough people solve their problems, you will be successful yourself.

The qualities for an effective leader

Mentoring is important

One of the qualities for an effective leader is your ability to mentor your team, but what does that mean in the modern workforce? Like it or not the world of work is changing. Economic risk has been shifted from the employer to the employee. Twenty years ago most employees where direct hirers. Today, a third of workers in the United States are third party employees. In other words, the worker is rented from Cleaning Services, Inc or Even semi professional jobs like accounting and paralegal are being outsourced to India or being automated.

The world of work is not what it used to be. Career paths are no longer a matter of getting a good job with a big company and advancing up the career ladder based on time and experience. Routine jobs are contracted out. Often, the employee shows up for work and is told they are not needed today, come back tomorrow. Third party contractors have replaced the Union Hiring Hall.

Modern businesses are flattening the old hierarchical business model. The pyramid style business is fading away. Bosses manage teams rather than people. Businesses hirer potential team leaders who have a broad base of skills and a proven record of accomplishment. Routine jobs are contracted from what has become a hiring hall. When a company has work you get hired. If business is slow, you don’t work.

Is freelancing in your future?

You have to manage your career as a business to get good gigs.

So in the gig economy half the work force is going to be freelancers. To get work you are going to have to stand out from the crowd. You will get work and be paid based on your skills and accomplishments. You are going to have to manage you career like a business. You must brand yourself and always be looking for better opportunities. Employers want to know what you have accomplished and what skills you have that can help them get their job done. A college degree may get you considered for a job, but most employers don’t care about who you worked for five years ago.

Three quarters of the workforce do not see a clear career path in their present job, and ¾ of businesses say the expect to face a shortage of workers with the skills the company needs. (Source ) That is a disparity that has to worry any business leader. The key to retaining the skilled workers needed in your business is the opportunity your employees have to advance their careers. When a smart employee feels the job no longer provides opportunity for growth that employee will be looking for another job.

What is effective mentoring?

Whether you are managing your career or are a business leader managing a team you are a mentor. Whether the person you are mentoring is your self or your team asking questions can help clarify career goals and opportunities.

When planning your career don’t lock yourself into a narrow niche. Doing so may prevent you from seeing broader opportunities. Forget about the traditional career path. Working up the Corporate Ladder doesn’t exist any more.

A good mentor will explore your calling and find out what you want to accomplish in life. A mentor will ask:

  • what problems you see that excite you?
  • what experiences have you had that can help solve those problems?
  • What changes do you want to make in the way you live?

Concentrate on transferable skills.

Can you create or maintain a website? Do you know how to draw traffic to your website? Are you skilled at email marketing? Can you configure and autoresponder? Can you write content that both your reader and the search engines spyders will find interesting? Can you code? What applications are you proficient with? What skills do you need to develop that your team needs. Can you write a report? How can you contribute more effectiely to the problems you team is working on? What skills do you lack that might be holding you back?

Mentors need mentors. No matter where you are in your career support from your network is vital to your success.

Set milestones to recognize your achievements.

It may be achieving certification in a skill. It may be completing a project. Develop a portfolio of accomplishments rather than the traditional resume. Whether you have a job or a business, brand yourself. Let people know about your skills and you accomplishments.

When setting milestones ask: “What is the next step? How can I define my next milestone so I know when it is completed?” “What should I name my next milestone?” “How can I share what I’ve learned with others?

You cannot predict the future

You can't predict the futue

The scary thing about the new world of work is you don’t know what is coming next. How do you deal with change when you don’t know what that change will be. Futurists look at trends and develop scenarios for what could happen. They are not predicting the future. They are simply saying these things could happen. One scenario is no more likely to happen than another. We cannot predict the future but we can prepare for it. We need to be a polymath, a jack of all trades and a master of one.

Life is becoming more complex and unpredictable. Jobs are no longer secure. In fact you may never have a job where tenure is assured. Is your retirement plan on track? Most sixty year olds in America have less than $1000 in savings.

Will you be able to retire?

There are two things we know will happen in our lives, death and taxes. There will be a time when you are no longer employable. If you are 50 and have been out of work for a year, your chances of getting a job are near zero. If you are in construction and get a back injury what are you going to do?

The good thing is knowing that every experience you have had and every relationship you have developed adds to your life. What you have to do is have a clear understanding of what you think are the most important thing in your life. Then develop a plan to help you accomplish those most important things. Approach life as a series of small experiments. If something looks interesting to you, test it to find out if it is really something you want to do.

Create resilience in your life.

Spring back from stress like an archers bow

I am an advocate for building resilience into our lives. Financial resilience means you have an income that continues whether you can work or not. Personal resilience means we are ready to deal with the chaos of life. The quality of our environment has a major impact on our longevity and the quality of our lives. You cannot control climate change, but you do have some control over the environment you live in and you can team up with others to force politicians to maintain a healthy environment for all of us.

Networking and the people we associate with will determine the course of our lives. When you meet someone who shares your values don’t let that person float through you life like a feather in the wind. Build and nurture your relationships. Stay in touch with the people who are important in your life. Touch bases with them at least 3-4 times a year. People move and we loose track of them. Nurture relationships and don’t let your friends fade away.

Change Your Thoughts and Change Your Life

The Importance of Moral Values
Our values form our core being and our moral compass.

Hand Shake

My word is my bond

I woke up to a TV discussion of values. A person is either moral, immoral or amoral. Amoral means you have no morals. Immoral means you know what is right but don’t care who you hurt.

If you are moral and have compassion you don’t take children away from their parents. If you are moral and your job forces you to do so, you resign.

I got a phone call from a telemarketer. I had won $5million dollars and a Mercedes Benz. All I had to do was to send him $5000 to pay for the taxes. I suggested he get an honest job where he wasn’t hurting people and hung up. He called back to ask why I had hung up on him. We exchanged some rather ugly curses which didn’t make either one of us any happier.

Changing People’s Lives

We have a great opportunity to use the internet to reach out to people and to help them change their lives. I emphasis the importance of helping people solve their problems because help others is personally and financially rewarding. Helping others is an important value for me. Not hurting others is an even more important value.

Never Break a Trust

Trusting squirrel


People do business with people they know, like, and trust. I trust people who I know are honest and loyal. I know I can trust them to do what they say they will do. Trust is very easy to loose and very, very, very hard to win back. I doubt any one will ever trust my country again when we break our agreements with old friends and make friends with old enemies? How can a woman ever trust a philandering husband?

Understand what values are important to you. Understand the values of those you have relationships with. Our personal and business relationships will determine our success. We need to establish contact with others and become their friends. We talk about the long term value of a client when we should be talking about how we can reach out to people and make them our friends.

Keeping your friends takes effort. If you don’t stay in touch a friendship will fade away. Call your friends on special occasions. Say “Happy Fathers Day”, so Happy Fathers day to all you Dad’s out their. Be a friend to your kids and do something special with them today and every day.

Understand Your Values

Values: compassion, caring about others, honesty, loyalty, being grateful and saying thanks. caring for the earth and for those around you are important to me. What are your values? 

What does it mean to be a true friend? It means you are ready to drop everything to help a friend in need.

Help where you can, and where you cannot help, be very careful not to hurt.

Understand your values. Know your purpose in life. Set your goals to live your calling. Break those goals down into steps you can take each day. Don’t let the urgent things in your life overwhelm your goals. Define the most important 3 things in your life each day and set aside the time you need to accomplish them. If you don’t do what you planned try to break the task into smaller tasks that you can get done in a few hours.

Today, do something with your family and have a great Father’s Day.

Working together is best
+1 808 375-1114,

It was a scary morning

Incoming Missile. Take Cover. This is not a drill.

Read about a very scary morning.

Be Prepared.

We have all seen pictures of the hurricane damage in Puerto Rico. A month after the storm 80% of the island is without power and people are drinking from streams. Banking is unavailable to most people and fuel is in critically short supply. People are still struggling to survive.

It is only a matter of time till a similar storm hits Oahu. Oahu is 3 times as far from resupply as Puerto Rico. Oahu is surrounded by deep, deep, deep ocean. The advice to leave our island is not going to work any better here than it did in Puerto Rico.

You cannot depend on Government help. Our Government will be overwhelmed trying to get our basic infrastructure repaired.

Are you prepared to live completely off the grid with no access to grocery stores, banks, gas stations and without electricity and no water? If you have health issues do you have a backup supply of medicine, oxygen, and whatever else you need to live? How will you handle your human waste and other sanitation problems?

How well you can prepare depends on your income. The poorest amongst us will be hit the hardest.

Our community can do a lot to prepare for the next big storm:

  • We are forming a non-profit corporation whose mission will be to provide support to Windward emergency preparedness projects.
  • We need to inventory buildings in our community that can serve as post-storm shelters for people who have lost their homes.
  • We need an inventory of heavy equipment that can be mobilized to help clear roads.
  • We need to know what restaurants can prepare meals without electricity.
  • We need to know who in our community needs special medical services.
  • We need CERT trained teams that can help in neighborhood recovery
  • We need a way for CERT Teams to communicate with Dept of Emergency Management.

There is a lot of work to do to make Koolaupoko a truely resilient community. Do you want to help? Fill out the form below to join us and get your free go-kit checklist.

    First Name:
*  Your Email Address:
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I received the following fact sheet (FAQ) from the Office of Emergency Management. It talks about what you can do to survive a nuclear attack.

Part of emergency response training is to understand the risk of something happening and how much damage will result from it happening. We have all seen on the news what Harvey, Irma and Marie have done in Texas, Florida and the Caribbean.  The probability of that happening in Hawaii in our lifetimes is high. You should plan on our older, single wall homes being destroyed or seriously damaged by a Category 3 hurricane. You will be on your own without power, water, drugstores, gas stations or banks for a week or more. Marine transportation may be seriously disrupted for months. 

A nuclear attack is survivable if you are far enough away from the blast and take cover from radioactive fallout. From warning to explosion, you will have no more than 15 minutes to find shelter. Radiation from a nuclear explosion decays rapidly. You may have to stay in a safe room, sealed against fallout, for from several days to a month. Have a hand crank emergency radio so you can stay informed and know when it is safe to leave your safe room.

Each of us will evaluate our risk and what we should do about it differently. If you have the money, rich people may build fallout shelters as they did in the 60s. This could be an appropriately designed room in a basement or even a part of your home dug into the side of a hill. 

The idea is to help your family survive a natural or man-made disaster as comfortably as your budget allows. At least have a supply of food, water, medicine and camping equipment to be self-sufficient for two weeks. How you evaluate the risk of something happening and how bad you expect the damage to be will determine how you prepare.


Hawaii Emergency Management Agency



Revised: 08 AUG 2017.5

1. Q: Why now? Has the North Korea missile threat increased so much recently that you were urged to begin preparations for an attack?

A: Preparations for the North Korea missile and nuclear threat began in late 2016 when this assessment suggested early preparations should be initiated. Hawaii has maintained plans to cope with missile testing since 2009. The Hawaii Emergency Management Agency (HI-EMA) conducts a Threat and Hazard Identification and Risk Assessment (THIRA) every year. This process examines potential hazards and threats to the State of Hawaii including natural (hurricane, tsunami), technological (cyberterrorism) and man-made (acts of terrorism) hazards.

2. Q: I have heard that planning for a nuclear attack from North Korea is futile given most of the population will be killed or critically injured. Is that true?

A: No. Current estimates of human casualties based on the size (yield) of North Korean nuclear weapon technology strongly suggests an explosion less than 8 miles in diameter. More than 90% of the population would survive the direct effects of such an explosion. Planning and preparedness are essential to protect those survivors from delayed residual radiation (fallout) and other effects of the attack such as the loss of utilities and communication systems, structural fires, etc.

3. Q: How will the public learn of a possible missile launch from North Korea?

A: Approximately 5 minutes into the launch sequence, the U.S. Pacific Command will notify the Hawaii State Warning Point (SWP) that a missile is en route from North Korea. The SWP is staffed on a 24-hour, 7 day-a-week basis by skilled emergency management professionals.

Upon receipt of the notification, the SWP will activate the ‘Attack-Warning’ signal on all outdoor sirens statewide (wailing sound) and transmit a warning advisory on radio, television and cellular telephones within 2 minutes.

4. Q: What should Hawaii residents and visitors do when they hear the ‘Attack-Warning’ siren signal?

A: All residents and visitors must immediately seek shelter in a building or other substantial structure. Once the sirens sound, residents and visitors will have less than 12 to 15 minutes before missile impact.

3949 Diamond Head Road · Honolulu ·Hawaii · 96816 Telephone (808) 733-4300

Frequently Asked Questions with Answers Page 2 of 3

5. Q: Was the recent public messaging recommending that each individual/family maintain a 14-day survival kit made because of the North Korea threat?

A: No. The 14-day recommendation was made following an intensive analysis suggesting that Hawaii could experience a major disruption to maritime transportation (shipping and ports) in the event of a major hurricane. This recommendation does however complement the potential need for 14 days of sheltering following a nuclear attack.

6. Q: When will schools begin nuclear drills?

A: Schools are not expected to conduct drills specific to a nuclear attack. Existing drills known as ‘Shelter-in-Place’ drills serve the same purpose. These drills are regularly conducted at all schools statewide and are considered more than adequate in terms of protecting students and staff.

7. Q: When will the new ‘Attack-Warning’ siren signal be available and how will it be tested?

A: The new (second) ‘Attack-Warning’ siren signal (wailing sound) will be available for use beginning in November 2017 or later. The signal will be tested on the first working day of every month thereafter together with the existing ‘Attention-Alert’ signal (steady sound) used for other emergencies.

8. Q: Are there public shelters (blast or fallout) designated in our communities?

A: No. There are currently no designated shelters in the State of Hawaii at this time. The short warning time (12 to 15 minutes) would not allow for residents or visitors to locate such a shelter in advance of missile impact.

9. Q: How long will residents and visitors need to remain sheltered following a nuclear detonation?

A: In most cases, only until the Hawaii Emergency Management Agency has assessed residual radiation and fallout. This could be as little as a few hours or as long as 14 days.

10. Q: What is fallout?

A: Debris including soil, fragments of destroyed buildings and other material will be drawn into the cloud of a nuclear detonation and propelled into the sky. This debris will begin to settle back to earth within hours. This debris includes residual radiation that poses a significant health risk to humans and animals.

11. Q: How can I tell if nuclear radiation is present?

A: Nuclear radiation cannot be perceived by the human senses (sight, smell, etc.). Specialized instruments are needed to detect its presence and intensity. Those instruments are available for use by public safety agencies across the State of Hawaii.

12. Q: How long will nuclear radiation persist after a nuclear detonation?

A: Radiation from nuclear detonation in the form of fallout decays very rapidly. Days to

Frequently Asked Questions with Answers Page 3 of 3

weeks in most situations.

13. Q: Are the neighbor island safe?

A: We do not know. North Korean missile technology may not be adequately advanced to accurately target a specific island or location. Although most analysts believe the desired target will be Oahu given the concentration of military and government facilities, a missile may stray and impact the open ocean or even a neighbor island. All areas of the State of Hawaii


How Prepared Are You?

All our single wall homes will be rendered unlivable in a Category 3 hurricane. Do you have friends whose home will survive and who you can live with? I don’t and I’m going to have to have shelter till my home can be rebuilt. Do you have a tent or other shelter your family can live in for an extended time?

In Hawaii, we live with a risk of hurricanes, earthquake, and in some areas tsunamis, wildfires, flash floods, and lava flows.  Of course, man-made disasters have to be considered. Oahu is a prime target for a nuclear attack. It is also a soft target for terrorists.

When you evaluate risk you need to look at how bad the damage will be and how likely the event is to occur. Then you need to decide what you want to do about it.  

The better prepared we are the faster and more comfortably we can respond. If we have a work from anywhere income that will continue whether we work or not we can recover quickly. If we depend on a single job and that business is destroyed we will be in trouble. Our resilience, our ability to recover from any disaster, depends on our personal preparedness, the resilience of our income and how prepared our community is to repair the damage to our community infrastructure. 

DO NOT DEPEND ON GOVERNMENT HELP. Your Government will be overwhelmed with infrastructure repair. The will be concentrating on repairing our harbors and airports and making major roads passable. The Red Cross will open as many shelters as they have volunteers to manage but there is an extreme shortage of shelters. Reinforced concrete structures provide safe shelter. If your home is safe as a shelter, plan to shelter in place or with friends.

Know what to do to protect yourself and your family. Take Citizens Emergency Preparedness Training (CERT) offered by the City and County of Honolulu Department of Emergency Management or on Neighbor Island by your County Fire Department. Then team up with your community preparedness committee so you will be prepared to help your neighbors once your family is safe.

Hurricane Season started June 1

 Be prepared with the supplies you need to survive without going to a store or a bank for a month.

There is a critical shortage of trained Red Cross shelter managers. How many shelters the Red Cross can open depends on how many trained shelter managers they have. Being a shelter manager assures you that you and your family will have space in a shelter.

The Red Cross has identified shelters for about 30,000 people. Those shelters will fill fast. If you live in a single wall home, ask friends who live in a concrete reinforced building if you can shelter with them. If you work in a strong structure ask the boss if you and your family can shelter at work. You will be available to help clean up after the storm.

The Red Cross is conducting shelter training.


Next week Saturday, June 10, is your chance to get prepared for the upcoming hurricane season. American Red Cross and Disney Prepare Students for Disasters
These classes are extremely important for shelter volunteers, and anyone who wants to know what really goes on in a shelter.

SHELTER OPERATIONS SIMULATION – June 10 – 9 a.m.-1:00 p.m. Food provided at this “HANDS ON” skills based simulation.Participants work in teams that rotate through three skills stations based upon the four phases of sheltering- resourcing,opening,operating,and closing the shelter.

HAWAII SPECIFIC SHELTER ISSUES WORKSHOP – June 10 – 1 – 5 p.m. Food provided
Focuses on:
1.HAWAII SPECIFIC hurricane/tropical storm shelter topics including warning phases,space allocations,operations cycle,client situations,and hurricane shelter survey document.
2.Opening/closing Shelter Factors – considerations,coordination factors/concerns,staffing process,and shift issues including partners.
3.Process of manager notification through operating the shelter, and key manager requirements.

These classes will only be offered this year on June 10 or July 22, but I encourage you to take them now,rather than waiting. After all, if a hurricane strikes, Red Cross will need to be providing actual shelter, not shelter classes.

Log in to Volunteer Connection
Go to “My Shifts”
Click on Disaster Cycle Services Training Oahu
Click the register button to the far right,next to the classes you wish to attend.

If you have any questions, please feel free to contact me.

Training Coordinator

Preparedness starts with you.
For information about Windward Oahu Community Preparedness contact Bill Sager at 375-1114 or

KKHARP Mtg 9-26-16 Risk Assessment

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KKHARP Risk Assessment Mtg

KKHARP Risk Assessment Mtg

Community Planning for Quick Recovery Meeting

Kahalu’u-Kaneohe Hazard Awareness and Response Program

Community Planning for Quick Recovery

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