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Dan Williams
San Diego, CA
I am a financial educator and Certified Liability Analyst dedicated to helping you improve your financial IQ. NMLS#282193
Interests: triathlon, reading, endurance sports, and teaching others about personal finance.
Recent Activity
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Yesterday we got hit with a little more rain in our season of wetness and storms and it luckily forced me into a day off of training. Well, I guess it didn't force me to take the day off but damn, I needed it! I finally got some serious hours... Continue reading
Posted Feb 20, 2017 at Average Ironman
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This Ironman Triathlon "Offseason" has been the largest pain in the butt since I started this crazy endurance sports adventure ten years ago. It seems like it has been one thing after another that is keeping me from any consistent training and trust me, consistency is about the most important aspect of triathlon training. Let me define my "offseason" first. This is the time which for me which occurs over the fall and winter when I am not racing and my focus shifts to recovering from the punishment of Ironman training and also spending time on fitness activities that I... Continue reading
Posted Feb 5, 2017 at Your Financial Bodyguard
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Wow, did January fly by? Time is sure moving quickly and with my commitment to doing a few things differently in my training I am also taking a monthly look back at it and summarizing what went well and what didn't. The hope is that this will allow me to... Continue reading
Posted Feb 1, 2017 at Average Ironman
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There is a saying in the job search market "The best time to look for a job is when you already have one" and the reason for that is you don't have the pressure nor the desperation that you might have if you needed that job really bad! The same can be said for borrowing money, lenders love to lend to people who don't need it. This leads me to why I am writing today about one EASY financial tool that most people 62 or over can put in place that would give them huge financial flexibility even though they... Continue reading
Posted Feb 1, 2017 at Your Financial Bodyguard
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We are now half way through the month of January and my training has been going well. Now, it definitely has not been ideal but all in all I can't complain. There is one exception to this statement and that is my right knee, specifically my burser sac that is... Continue reading
Posted Jan 21, 2017 at Average Ironman
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I recently found this graphic when doing some research on home buying and the relationship with interest rates. It made me stop and think about what is the true lesson here. Now, you can draw many different ideas from this and I would love to hear what you think but the one that hit me was Move Up Buyers. Here in San DIego, I am fascinated by this opportunity. Move up buyers present great opportunities for real estate professionals since they can work on two transactions at the same. This can be very lucrative and also quite fulfilling helping someone... Continue reading
Posted Jan 20, 2017 at Your Financial Bodyguard
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In my post yesterday I omitted one important aspect of the changes I am planning on making with my training. I did note that losing weight, more running off the bike and a focus of more intensity in my training were keys to approaching this years test at Coeur D'Alene.... Continue reading
Posted Jan 19, 2017 at Average Ironman
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As 2017 begins, I am setting my goals for the upcoming year and the big goal for me is going faster than I have ever gone before in any Ironman Triathlon. That would be 12:48 minutes. I did this years ago at Ironman Florida. IM Florida is considered a "fast"... Continue reading
Posted Jan 18, 2017 at Average Ironman
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It has been two weeks since New Years Day was here and my Revolution is strongly in place. In case you didn't see my last update my Revolution, not Resolution, for 2017 was no more stuff. I plan on not buying what I would call stuff. Some would call it possessions, household items, etc. or you could just call it crap! I like calling it crap but that is me. In my last post I shared with you the sweatshirt story and how it just kept adding up. Clothes, clothes and more clothes so i did something about it. I... Continue reading
Posted Jan 14, 2017 at Your Financial Bodyguard
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This HUGE change of thinking that I want to share with you this month started a day or two after Thanksgiving when I opened my closet and I needed a sweatshirt. I looked down and thought to myself, “man, I have a lot of sweatshirts”. I started to go through the stack and found ones that I hadn’t worn in years. That’s right - YEARS! My first thought was, “I definitely don’t need to buy another sweatshirt anytime soon.” Then I went back to my closet the next day and needed a golf shirt to wear to a casual meeting... Continue reading
Posted Jan 10, 2017 at Your Financial Bodyguard
The topic in this post is a line of credit, which you may be familiar with as a “second” mortgage that you can have on your home. Let me start by saying I believe this is a great product for anyone that is 62 or older and has their home paid off. Yes, EVERYONE. The reason is that you would then have access to all of the wealth in your house if you ever needed it. Home health care, unforeseen expenses/emergency situations and even long term care insurance can be paid for without accessing your social security, retirement, pension or... Continue reading
Posted Dec 23, 2016 at Your Financial Bodyguard
Did you know that over 10,000 people per day are retiring here in the United States? 10,000! That is a lot of people. I often wonder how many want to but don't believe they can afford it. Could it be a 1,000 or more??? Unfortunately most people tend to underestimate their life expectancy, save less than they should and fail to consider how much health care might cost in retirement. In this day and age we are living longer, we are also experiencing more health issues with our increased life expectancy. The typical 65-year old couple will need at least... Continue reading
Posted Nov 29, 2016 at Your Financial Bodyguard
Recently I was in a conversation with a gentleman that is 66 years old. He goal was to retire when he was 70 and spend the next bunch of years taking care of his grand children that lived here in San Diego and visiting his other grandkids that lived in Denver. He had a total of five grankids and loves them so much. I am not a grandfather yet but I can only imagine the joy of having these young ones in your life again. I asked him why he didn't retire now or hadn't already. He response was "I... Continue reading
Posted Nov 15, 2016 at Your Financial Bodyguard
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I was watching my former home state team last night, the Cleveland Browns (please no comments on that) and as usual I am fascinated when professional football teams get called for a delay of game penalty. How can that happen and it does happen to every team in the NFL. I guess it is due to the complexity of the game plan and play calling but these are the highest level of professionals, come on folks! Now, relating this to the personal financial world, a "delay of game" can be a good thing when it comes to delaying taking social... Continue reading
Posted Nov 11, 2016 at Your Financial Bodyguard
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This was a quote from a past client of mine and not only a past client but a very good friend. So I want to start out by apologizing for not properly sharing all that I do to help my friends and past clients with their mortgage needs. I have been originating mortgage loans for some time now, almost a decade, but many don't know that I do reverse mortgages as well. I imagine you are at least somewhat familiar, maybe a TV ad or something on the radio, with reverse mortgages and quite likely have heard misinformation or maybe... Continue reading
Posted Nov 10, 2016 at Your Financial Bodyguard
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This is one of the strangest areas of endurance sports for me, hydration and electrolyte replacement and quite honestly is not something I am sure I have figured out, even after completing 13 Ironmans. We hear the marketing message being sold by Gatorade, our bodies need all the ingredients that... Continue reading
Posted Oct 23, 2015 at Average Ironman
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Well, I think this is a reason to love Ironman Triathlon - massages are fun and relaxing right? Not so fast! Often in my lead up to a race I will get a few massages during the largest build up in training to the race. The intent is to help... Continue reading
Posted Aug 27, 2015 at Average Ironman
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This is one of my favorite things about training - listening to music. I love music and have since I was a kid. The challenge is to get the music right for your workout. I don't blast classic rock for all of my workouts, over time I have added some... Continue reading
Posted Aug 21, 2015 at Average Ironman
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This is one of the best reasons to love Ironman, burning all of those calories because we really burn the calories. I often hear athletes talk about doing triathlon just so they can eat and I really believe it. Let me give you a couple of examples of the calories... Continue reading
Posted Aug 20, 2015 at Average Ironman
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As I write my Top 50 Reasons to love Ironman Triathlon, this is one of my favorites. Although I live in a place where triathlon and endurance sports is popular the overwhelming response when discussing Ironman triathlon is questioning my sanity. Now, I get this at a lot of levels.... Continue reading
Posted Aug 13, 2015 at Average Ironman
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I have to say this is one of the best reasons to get involved in Ironman Triathlon. There are nights I can't believe how well I sleep and let me tell you it is typcially 8 hours of solid, lights out slumber. After a solid day of work and a... Continue reading
Posted Aug 5, 2015 at Average Ironman
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As many of you may know I am a serious coffee drinker. Believe it or not, I never drank coffee until I was about 30. Never liked the taste and always thought it was bad for you. Well, I got over both of these due the presence of caffeine. I... Continue reading
Posted Aug 4, 2015 at Average Ironman
July was an interesting month on the training front due to some vacation and recovery from the Steamboat Springs Half Ironman race. Let me tell you, racing at 7500 feet of elevation is very different. You add in the very difficult bike and run course and it was quite a... Continue reading
Posted Aug 2, 2015 at Average Ironman
Yesterday I raced the "Tri The Boat" half Ironman in Steamboat Springs, Colorado. First, racing at altitude is a real challenge for us Sea Level folks. I arrived three days before the race and was able to slightly get used to it but none the less, it had an effect... Continue reading
Posted Jun 29, 2015 at Average Ironman
When you start to do research online about triathlon (or pretty much any subject) you will be overwhelmed by "secrets" to doing it well, "secrets' to conquering this and that. Well, there not really secrets but often just well thought out ideas. The Wall Street Journal had this article recently... Continue reading
Posted Jun 25, 2015 at Average Ironman