The Internet is a very powerful tool as many know. It has brought about many changes in the way that we conduct

our lives and our personal business. We can now pay our bills online, shop online, bank online, date online and yes invest and manage our money online. In fact investors love the internet, and thats the area I want to talk about.

We can do research into the history of a company we are interested in, their stock price history, their Profit & loss statements, holdings and many other things about

the company are available to us by way of the internet. When we are comfortable with investing, we can buy and sell investment securities online.

Traders love having the ability to look at their accounts whenever

they want to, and brokers like having the ability to take orders over the Internet, as opposed to the telephone.

Most brokers and brokerage houses now offer online trading to their clients. Another great thing about trading

online is that fees and commissions are often lower. While online trading is great, there are some drawbacks.

If you are new to investing, having the ability to actually speak with a broker can be quite beneficial.
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A general contractor uses a set of house plans to build a house. If he or she didn’t the kitchen in the house might get overlooked altogether.

Rocket Scientists would never begin construction on a new booster rocket without a detailed set of design specifications. Why is it then that most of us go blindly out into the world without any idea about finances and without any budget or financial plan what so ever. Money and finances touch every aspect of our lives each and every day and yet very few of us have taken the time or responsibility to learn about money and how it works. When I put it that way you have to admit its not very smart of us, is it?

A money plan is called a budget and it is crucial to get us to our desired financial objectives and goals.
Without a plan we will drift without direction and end up marooned on a distant financial uncharted island.

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Have you ever noticed that the things you buy every week at the grocery and hardware stores seems to go up a few cents between shopping trips? Not by much…just by a little bit, but they continue to creep up and up.

All it takes for the price to jump up by a lot is a little hiccup in the world wide market, note the price of gasoline as it relates to world affairs.

There is a way that we can keep these price increases from impacting our personal finances so much and that is by buying in quantity and finding the best possible prices for the things we use and will continue to use everyday…

things that will keep just as well on the shelves in our homes as it does on the shelves at the grocery store or hardware store.

For instance, dog food and cat food costs about 10% less when bought by the case than it does when bought at the single can price and if you wait for close out prices you save a lot more than that. Now before I hear from you, let me say,

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Soon after starting off on the 4th leg, we stopped at the official marked sight of Old Fort Utah.

The location where the original sight was and where the new sight is, is not very far apart, maybe a block or two at most. There is nothing at the old sight anymore except a marker and memories. The empty field which is the spot has some of the old original trees which still offer up shade to one end of the field and to those who pass along this spot on the trail going somewhere else. I made a point to pause a few minutes and share the space that was occupied about 150 years ago by rugged pioneers who had called this place home. I cooled myself in the shade that their trees offered me. While resting there, I couldn’t help but wonder about their lives.

The determination to reach goals and objectives that those hardy folks had to have had. Even in light of all the harsh obstacles that they were faced with, they endured to accomplish a great deal. We have our own challenges these days, but in my opinion, nothing like that which they had to tolerate and overcome. Their drive to succeed must have been incredible, all encompassing. As I take in the shade from the same trees that once offered cooling refuge from the summer sun to those beings long since gone, I am truly humbled by their accomplishments.

To think that I am hiking a mere 20 miles pales in comparison to those pioneers who hiked thousands of miles to get to this very spot that I was standing in. The exact spot separated only by time, I celebrated through recognition of their goal setting ability and absolute determination to succeed, raising far above the possibility of failure, to forge out a new life. I feel I learned something from these pioneer people. I learned by what I felt was like almost touching them in a way that brings home one strong principle of success. They had no alternative but to succeed. They did not leave themselves an alternative, they had to succeed or die. They believed with all their hearts that they would reach their objectives and so, they did.

Pictures along the trail, 4th leg of “The Chipaway”

Marker at sight	Old Fort Ut. Marker	Orig trees on rt.
Trail ahead “Y” mt. in distance	Original location	Map

The 4th leg distance = 1.20 miles

Total distance to date = 4.23 miles

Elevation = 4610ft

Weather = Sunny

Temp = 84f