Real World Betterment Results

Just about one year ago, I sold my company. Because I believe in the product, and the future growth, I rolled a lot of the value over into the new company. To be wise, I did take some chips off the table as well.

A dad sleeps better at night when debt is gone, the rainy day account is funded, and you take an opportunity to help others.

When all of those items were checked off, I looked around for a new way to invest wisely.

I have been trading stocks in Robinhood for some time. I enjoy trading stocks, and I still think this is the easiest way to do that, but I needed something more automatic.

After doing some research, I ended up going with Betterment. The app and service is a robo-investor. You commit money to the service, set your risk levels and goals, and the computer algorithms will do all the work of buying, selling, and holding. In many ways, it’s a modern take on an Index Fund where you ride the whole economy instead of living and dying on specific stocks

I also appreciate the Tax Loss Harvesting, which was useful at tax time this year.

Overall, I highly recommend the service to investors of all level. In addition to general investing, they also offer IRA accounts to save for retirement.

I also created a small investment account for each of my kids. They love to open the app and see how the investment has grown. I have a standing offer to them: for every dollar they invest, I will match it. It’s been a fun lesson in patience and waiting.

At the time I started with Betterment, I wondered about real world results. I wasn’t able to find much out there so I thought I’d chronicle my own experience here each year to help others.

Dark Blue is investment total, Light Blue is total value with earnings

April 2017 (One year): Earnings Percentage 12.2%

November 2017 (1.5 years): Earnings Percentage 17.4%

May 2018 (Two years): Earnings Percentage 20.1%

December 2018 (2.5 years): Earnings Percentage 24.9%

April 2019 (3 years): Earnings Percentage 18.7%

Two apps for a more productive Sabbath

Here are two app suggestions that can help your Sabbath Day become more of a delight today.


Day One is my favorite journal app. You might take some time to record the way that you’ve been blessed in your life, and your current struggles. Both will be beneficial to look back on later in life. Journal writing is my most rewarding habit.
Link: iOS app

Temple and Family History

Many struggle with family history work because they aren’t sure where to start. The best place to start is in the temple with a family name. “Take a Name” is a new app that makes it very simple. Log in with your Family Search credentials and it will scan your family history and show you family records with available ordinances. With just a few taps you can reserve, print, and take to the temple this week.
Link: iOS app ,  Android app

The Sabbath is a Delight

Finally, to remember why we observe the Sabbath day and keep it holy, here is a talk from Russell M Nelson that teaches it so well, and reminds us of the blessings.


Refuge from the Storm

I love this time of year when the early morning shadows fall heavy on the mountain in front of my home. Ever since I was young, I’d look across the desert at Gass Peak and the mountain that had become my “North.”

One year ago today, after a sleepless night, I took this photo as I left to go to church where a new stake was to be created, the Shadow Mountain stake. I may have taken that drive a bit slower than usual.

Since that time, I’ve learned a lot about kindness, faith, study and work. With the help of Candace and 2,600 friends, we’ve built a “defense” for righteousness and a “refuge from the storm.”

As we continue to Light the World this Christmas season, I’m thankful to the members of the Shadow Mountain stake for the patience and sustaining effort you’ve shown for me as I learn. It’s been humbling to discover the goodness found in the homes and halls of this stake.

A guidance for happy living

The first time I went to Japan, my trip had a rough start. I flew across the Pacific ocean in seats too small and landed in Tokyo at about 4PM. I was eager to get to a comfortable hotel for a shower and a place to lay down.

In my usual “I’ll figure it out as I go” approach to travel, I made my way to a train station and saw this board. (pictured) It was confusing, overwhelming, and it didn’t direct me at all. I knew where i wanted to go, but didn’t know how to get there. There was nothing I could have done for myself at this point. I needed some help. 

With the help of some free station wifi, 4 Japanese school kids that spoke broken English, and shadowing some American businessmen who had a guide, I eventually made it to my hotel. (Also pictured.)

In a similar fashion, I know where I want to be in this life and after I pass away. Like many of you, I want to be considered a good and righteous person here on Earth and then return, with my family, to my Father in Heaven when I’ve left this earth. I believe these things are possible, but I need help in knowing how I can achieve these things.

My favorite scripture is Doctrine and Covenants 82:8-10 which reads:

8 And again, I say unto you, I give unto you a new commandment, that you may understand my will concerning you;
9 Or, in other words, I give unto you directions how you may act before me, that it may turn to you for your salvation.
10 I, the Lord, am bound when ye do what I say; but when ye do not what I say, ye have no promise.

This scripture reminds me to be thankful for the commandments and direction that we’ve received from scripture, prophets and promptings. I know what I want to become so the more direction I can receive, the better.

Some people see commandments as limiting or controlling, but I don’t. Like Elder M Russell Ballard , I believe “commandments are a guidance for happy living.”

Oct 2016 General Conference: One week later

It’s been a week since LDS General Conference. It makes me sad that the world has so much going on that can push the messages from our lives so quickly. It takes a conscious effort to not let that happen. Of all the lessons that were shared, it’s these lines that have stuck with me the most:

“Let us remember that our children and grandchildren measure our love by how much devoted time we give them.”


“We engage all three members of the Godhead as we pray. “


“We torture ourselves needlessly by competing and comparing… If we must compare, let us compare how we were in the past to how we are today—and even to how we want to be in the future.”


“And the worst kind of sin is premeditated sin, where one says, “I can sin now and repent later.” I believe that this is a solemn mockery of the sacrifice and sufferings of Jesus Christ.”


“When an opportunity comes to share your thoughts about the gospel and the lessons of life, stop everything, sit down, and talk with your children and grandchildren.”


“Without sacrifice, a person may find it hard to forgive himself or herself, because of a lingering consciousness of something withheld.”

Thomas S Monson: Fifty-three years of service

I love this picture of Thomas S Monson as he was sitting in the congregation of the old tabernacle. It was taken in 1963 just moments before he would be sustained as a member of the Quorum of the Twelve Apostles and invited to the stand. While others sit unaware and eager for the meeting to start, he feels the heavy responsibility beginning to fall on his shoulders.

Thomas S Monson, President of The Church of Jesus Christ of Latter-Day Saints and a man I sustain as a Prophet, gave his first talk as an Apostle at age 36. (The same age I am now. I can’t imagine.) He was the final appointee of David O. McKay to this Council. In his first talk he declared “I pledge my life. All that I may have.”

Fifty-three years later, he continues to keep that pledge.


Learning The Character of Christ

Recently I read a speech that taught: “Perhaps the greatest indicator of character is the capacity to recognize and appropriately respond to other people who are experiencing the very challenge or adversity that is most immediately and forcefully pressing upon us.” I love this principle. 

I thought about all the good parents I know who, after a long tiring day, will care for the needs of their tired children before turning attention to their own needs. That’s great character.

I considered this principle yesterday during Fast Sunday as well. In the LDS Church today, one Sabbath day each month is set aside for the purpose of fasting. Members of the Church go without food and water for two consecutive meals in a 24-hour period and then contribute the money that would have been spent for that food to those in need.

In other words, the commandment is to humble ourselves before God by voluntarily refraining from eating and drinking and then, while in our hunger, we are to think of others and give an offering to provide for their needs in food.

So in addition to all the other spiritual and physical benefits of fasting, for the first time I saw it as a character confirming commandment as well. What a blessing. 

Using Social Media Wisely

When I was in Cuba earlier this year, it was interesting to see how little technology was available to the residents there. Everything in Cuba is about 50 years in the past. However, one night we were walking the streets and there were hundreds and hundreds of people in this park with tablets and phones lit up. It is one of the few places in the country that wifi was available so people would come there each night and video chat with family in the US and also check Facebook, Instagram, and learn more about the world outside of Cuba. It was interesting to listen and watch as they connected with family and friends via technology.

Below are a few thoughts I have about social media, and how we can use it better.

I enjoy seeing good posts from family and friends.Though lately I’ve been surprised what people, who I know to be good and kind, will attach their name to in the sharing of posts and other items. I feel like we should be able to rise above it. Even with difficult topics, we can share our positive thoughts or the way we’re hoping to be part of the solution. Rather than just be an echo chamber, I’d love to see more thought out and personal messages from people I know to be good people. Social media certainly needs more of it.

David A Bednar wrote that “it is no coincidence that these powerful communication innovations and inventions are occurring in the dispensation of the fulness of times. Social media channels are global tools that can personally and positively impact large numbers of individuals and families.”

Kids understand this easily. I think youth leaders, priesthood leaders and parents should be active on social media as well. It’s one more place to teach and inspire and care. Don’t be a social media sponge or stalker but instead be active and an influence. Did you know all of the church leaders are on Facebook and Twitter? Find all their profiles here.


Review: iMac 5K with a 4K monitor (LG 27UD68)

With some recent changes in my workplace, I need to setup a new office to work in each day. As I went about replicating my home office, I bought a 5K iMac for the new location. These iMacs are such great machines.

I also like to work with a second display. Rather than buying an ancient Thunderbolt Display, I thought I’d try one of the new 4K monitors on the market and see how they perform.

After doing some research, I saw that the LG 27UD68 was recently released and that it’s predecessor had good reviews. Without being able to find any reviews online, here is my unboxing, review and conclusion.

Continue reading

An afternoon with Elder Holland

I was very honored to spend the weekend with Elder Jeffrey R Holland and Elder Lynn G Robbins. It was a weekend that changed me forever, and will have a direct influence on my life and church service. I took copious notes of the teachings, and my feelings, and will plan to teach from them often. However, three quick thoughts to share here:

First, These men (pictured above) are dedicated to the work for all the right and pure reasons. When you shake their hand and look them in the eye, there is no hypocrisy or guile to be found. Elder Holland mentioned that he nearly lost his beloved Pat Holland recently, and yet here he was on assignment for 12 days to teach and bless. His sense of duty is pure without ulterior motive.

Second, A side project of mine for the last couple years is documenting the experience of receiving a call to the Quorum of the Twelve. I’ve compiled many accounts from those who have shared in the past. It was an honor and awakening to hear Elder Holland share his own experience. “I’m not sure it’s supposed to be a personal hell when you receive this Apostolic calling but each of us went through that. I’m not sure why. We don’t talk about it much with each other. Elder Faust put his arm around me and said “My boy, I know what you’re going through and there is not a thing I can do for you.”

Third, there are so many posts on social media and in life about having questions in the Gospel (which is ok) and even having doubts (which is also ok.) But there’s not enough conversation to establish that it’s also ok to not have either. We should do better with that. I’ve never felt forgotten by my Savior. I’ve never had a promise unkept when I did my part. With exacting effort, I prepared myself for a month for this weekend and I received all that for which I asked. It has always been the case and I believe always will be the case. How could I doubt now?