Michael Paulding Thomas
I want to be happy by doing well by doing good.
Live life to the fullest, fight for what you believe in, and go down swinging.
I'm a retirement income specialist and trainer of financial advisors. My interests include finance, tech, reading, cycling, film, motorcycling, and much more.Born in Heidelberg, Germany. Raised in Sembach, Kaiserlautern and Mannheim, Germany. Attended Kaiserslautern American High School (1984 - 1987). Attended Frostburg State University - Computer Science, Philosophy, German (1987 - 1992).Currently living in Mission Viejo, CA, USA.
Referrals, Affiliates & Recommendations
Below are services I personally use and endorse. Disclaimer: I get some form of referral credit from a few of the links.
Tesla - You can use my Tesla referral link for 1,000 miles of free supercharging for your new Model S, Model 3, Model X or Model Y.
Tesla Screen Protector - Your Tesla is a premium car, so is this screen protector for the touchscreen of Model S, 3, X. You can use my referral link.
Tesla Accessories - Awesomeize your Tesla with great accessories from Abstract Ocean. Use my code to get a discount.
Spinn coffee maker. Use my code to get $100 off a Spinn Coffee Maker.
Coinbase - is a secure platform that makes it easy to buy, sell, and store cryptocurrency like Bitcoin, Ethereum, and more. Based in the USA. Use my referral code, and we’ll both receive $10 in Bitcoin when you buy or sell $100 or more on Coinbase.
Project Fi - Google's telephony service; use my code EUU0H0 to get a $20 credit when you join Project Fi.
Private Internet Access - my favorite Virtual Private Network. Works with Windows, Chrome Browser, Android and iOS. Use my referral code.
DropBox is the most popular cloud storage system on the market. It allows users to move files, such as images and video, off their computers and onto a database in the cloud. Use my referral code and if you install Dropbox we’ll both get 500 MB of bonus space.
Internxt Drive is a zero-knowledge file storage service that's based on absolute privacy and uncompromising security. Use my link and we'll both get $5 of Internxt credit as soon as you activate your account. You can redeem that credit for a premium Internxt membership.
Menlo Club - monthly subscription of great stylish clothes. Use my code RE845886 for a discount.
Blacksocks - the best dress socks. Use my code for a discount.
Hyperice - use my code to get $20 off all their products.
Moo Business Cards - these are the best business cards. Almost every client comments positively on them. Use my code and get 20% off your first order!
Lyft - use my link to get $5 off your first ride.
Uber - use my link to get $5 off your first ride.
AirBNB - Use my code and you'll get $55 toward your first trip.
Cigars, Pipes, Scotch & Spirits
"I like to enjoy the delicacies that the good life has to offer."
My Humidor Set-Up
I use the Whynter CHC-251S Stainless Steel 400-Cigar Cooler Humidor, 2.5 Cubic Feet which controls the temperature, and I control humidification via the Cigar Oasis electronic humidifier.
Pipe Smoking Paraphernalia
Scotch & Spirits
Ayla and I are founding members of the Orange County Scotch Club.
"When I look at my bike, I think freedom. Freedom from the clutches society has latched onto me. I get to escape on two wheels with no one around (just nature and my wife)."
(updated: July 20, 2022)
Moving Time: 155 hrs
Total Distance: 1746 mi
Longest Ride: 30 mi
Total Elevation Gain: 133,540 ft (25.3 mi)
Max Elevation in One Ride: 2,280ft
Average Speed: 11
Maximum Speed: 59
Average Cadence: 59
Average Watts: 156
Average Heart Rate: 129
Maximum Heart Rate: 182
Specialized Diverge Expert Carbon
Specialized Diverge Expert Carbon
Frame: Specialized Diverge Expert FACT 9r carbon (2021), SWAT Door integration, internal routing, 12x142mm thru-axle, Roubaix S-Wrap tape, Satin Oak Green Metallic/Gloss White (58)
Pedals: Shimano M520 SPD
Front Wheel: DT Swiss G540 rim, 24mm internal width, tubeless ready, 24h, Specialized full sealed bearing thru axle hub, centerlock disc, DT Swiss Champion 14G stainless steel spokes, DT Swiss brass nipples
Rear Wheel: DT Swiss DT Swiss G540 rim, 24mm inner width, tubeless ready, 24h, Specialized full sealed bearing thru axle hub, centerlock disc, alloy freehub body, DT Swiss Champion 14G stainless steel spokes, DT Swiss brass nipples
Front Tire: Specialized Pathfinder Pro, 2Bliss Ready, transparent sidewall, 700x38mm
Rear Tire: Specialized Pathfinder Pro, 2Bliss Ready, transparent sidewall, 700x38mm
Seatpost: Roval Terra Carbon Seat Post, 20mm Offset
Fork: Specialized Smooth Boot, FACT carbon, 12x100 mm thru-axle, flat-mount
Crankset: Shimano GRX RX810-1
Chainrings: Shimano 40T
Bottom Bracket: Shimano Shimano Threaded BSA BB
Chain: Shimano Ultegra, 11-speed
Rear Derailleur: Shimano GRX RX817 Di2, 11-speed
Cassette: Shimano XT, 11-speed, 11-42t
Shift Levers: Shimano GRX RX815 hydraulic brake levers, 11 speed electronic shifting
Handlebar: Specialized Specialized Adventure Gear Hover, 103mm drop x 70mm reach x 12º flare
Stem: Specialized Future Stem Pro
Front Brake: Shimano GRX RX815, hydraulic disc
Rear Brake: Shimano GRX RX815, hydraulic disc
Saddle: Specialized Body Geometry, Power, Hollow Titanium rails, 143mm
Front Shock: Specialized Future Shock 2.0 w/ Damper"
Farkle & Extra Equipment
Garmin front light
Garmin read light / radar
Tesla Model 3 Performance+
"Driving at the speed limit - hideous thought." -Stephenie Meyer
Tesla M3P+ Full Stats
Model 3 Performance
Front motor: Induction
Rear motor: Permanent magnet
Long-Range Battery (2170 cells)
Range: 285 miles
0-60: 2.9 seconds
Top speed: 162 mph
Premium White Interior
Premium Interior/Audio Package
Premium Connectivity Package
Autopilot computer: 2.5
19" Inch Wheels
Michelin Pilot Sport 4S
Unlimited Lifetime Supercharging
Enhanced Autopilot (EAP)
Modifications & Customizations
Premium screen protector for the touchscreen of Model S, 3, X. You can use my referral link.
Rear hitch wit Kuat rack.
Free CA HOV Lane Access
“I would rather entertain and hope that people learned something than educate people and hope they were entertained.” -Walt Disney
"Studies have shown that adults who play video games have higher levels of happiness, and in some cases relaxation, as a result of their gaming." -10 Reasons Why Adults Who Play Video Games Are Happier
Game Hours played: 1,970
Game Trophies / Achievements: 393
Games Played: 41
Game Exophase Experience Points: 13,393
Exophase Leaderboard Rank: 88,081
Overall Completion: 17.16%
My Exophase profile: mptpro
My Stadia profile: mptpro
My Ubisoft Club profile (mptpro)
My Google Play Games handle: mptpro1
Games Played (Stadia)
Tomb Raider (part 1 of 3), finished with Ayla 2019-11-31
Rise of the Tomb Raider (part 2 of 3)
Shadow of the Tomb Raider, (part 3 of 3)
Assassin's Creed Odyssey, completed 100% 2020 April 9, Hours played: 302, #1 on Exophase Leader's Board!, 93/93 Achievements completed, Level 99 + Mastery Letarted: 12/15/2020vel 4, 66 Cultists Killed (all), Attained Tier 1 Mercenary (top), 15,039 Total Kills, 2,290 Assassinations, 1,006 Mercenaries Defeated, 22 Arena Champions Defeated, 69 Mythical Creatures Defeated, 100% Abilities Acquired, 416 Legendary Items Collected, 471 Orichalcum Collected, 100% Ship Upgrades, 303 Ships Defeated
Assassin's Creed Valhalla, started: 12/15/2020
Star Wars Jedi Fallen Order, 100% completed 12/14/2020, played on Jedi Master level, all 10 Stims acquired, all Abilities attained + 7 additional skill points, all Secrets found, 90%+ of all 5 planets explored, 35 of 40 Trophies attained, reflected Blaster Bolt Kills: 554, parried Enemies: 621, perfect evades: 101, play time: 53 hours, #5 on Exophase Stadia Leaders Board
Germany World Cup Stats
Franz Beckenbauer is the only one of two people to have won the WC as player and as a coach.
Most appearances in a World Cup final: Germany
Most appearances in World Cup semifinal: Germany
Most matches played: Germany
Most goals scored, champions: Germany
Most tournaments played: Antonio Carbajal (Mexico, 1950–1966) and Lothar Matthäus (Germany, 1982–1998).
Most matches played, finals: Lothar Matthäus (Germany, 1982–1998).
Most tournaments with at least five goals: Teófilo Cubillas ( Peru 1970, 1978) and Miroslav Klose (Germany, 2002–2006).
Largest deficit overcome in a win in a final: West Germany, 1954 (coming from 0–2 down to win 3–2 vs Hungary).
Most players scoring at least seven goals in a tournament: 1970 - Gerd Müller (West Germany) and Jairzinho (Brazil).
Most matches coached: Helmut Schön ( West Germany, 1966–1978).
Most matches won as a coach: Helmut Schön ( West Germany, 1966–1978).
Most final appearances as player and head coach: Mário Zagallo, Brazil (1958 & 1962 as player, 1970, 1974 & 1998 as coach); Franz Beckenbauer, West Germany (1966–1974 as player, 1986 & 1990 as coach)
Most goals scored all time in all World Cups: Miroslav Klose - 16
WC 2014 Golden Glove (top goalie): Manuel Neue
Germany is first European Team win WC hosted in South American Country: WC 2014, Brasil
Concerts, Plays, Musicals & Theater
Sting, Nashville (1987)
Carmen play in Budapest (1987)
Health & Fitness
"I want to live a long life, free of sickness. I honor my body physically by taking great take care of it through exercise, supplements and proper diet."
The Simple Secret
Get Slim from Diet. Get Fit from Exercise.
Specifically: LC/HF + IF + HIT (Low-Carb / High-Fat diet + Intermittent Fasting + High Intensity Training).
Height: 6' 3"
Weight: 196 lbs
Fat %: 11%
Lean Mass: 175 lbs
Fasting (30d average): 19:42
Fasting (longest): 36:00
Have a goal of "zero carb". It's not possible, because there are hidden carbs everywhere. But if shoot for "low" carb you'll end-up with more than you expect.
High fat. Yes, really. Lot's of fatty meat (ribeye, burnt ends, bacon, butter etc).
Low to medium amount of protein.
16/8 Intermittent Fasting
This means no food for 16 hours straight, and only eating within the remaining 8 hour window. Try to slowly increase to 18/6 and even 20/4.
The Kettlebell Swing: Use for aerobic conditioning. I do 60 continuous swings with a 48kg kettlebell, five days a week.
Kettlebell Get-Ups: for all-body strength. I do three Get-Ups per side with a 48kg kettlebell, five days a week.
Purple Belt in Shotokan Karate (1987), mentored under Sensei John Boloson (Germany).
"You never see a motorcycle parked outside of a psychiatrist's office."
BMW R1200 RTW Reise-Tourer Wasserboxer (2016)
Current miles: 12,600.
Platinum Bronze Metallic (including painted Top Case)
Flat twin boxer engine, 1170 displacement, single cylinder, four-stroke, liquid cooled, 92 kW power, 125 Nm torque
6-speed gearbox with gear shift assistant pro
Brembo dual front / single rear disc brakes with Bosch i-ABS
Automatic Stability Control (ASC) with Rain, Normal and Dynamic modes
Electronic Suspension Adjustment (ESA)
233 kg dry weight
Partially integrated braking
Hill start control (brake-hold)
Michelin Pilot Road 4 tires
Tire pressure indicator
Adjustable electric windshield
LED daytime running lights
Integrated radio, SiriusXM and USB mp3 player, all with external speakers or Bluetooth
Heated grips and seats
Radio and USB mp3 player
Integrated Garmin BMW Motorrad Navigator V
Anti-theft alarm system
Previous bike: R1200 RT 2006
Total miles: 22,000.
“I want to be happy by doing well by doing good.” —Michael Thomas
“My philosophy, in essence, is the concept of man as a heroic being, with his own happiness as the moral purpose of his life, with productive achievement as his noblest activity, and reason as his only absolute.” — Ayn Rand
“My life’s philosophy is the operating system of my mind. It is my 'sense of life.'” —Michael Thomas
I am a connoisseur of the art of self-Improvement. I am a German-American and support the original principles of America: freedom, liberty, individual rights, free-enterprise and capitalism.I try to live a Quantified, Uncluttered, Minimalist, and Simplified, but a High-End Life. The less you have, the more you value it.I work to sustain a high level of self-esteem, which is derived from living up to my values, principles and beliefs.
Meta Philosophy: Objectivism
Practical Philosophy: Stoicism
Politics: Libertarian (member #06-25098 since 2006)
Social Philosophy: Trader Principle
Six Life's Areas
I work to sustain a high level of self-esteem, which is derived from living up to my values, principles and beliefs, and the continuing development of my six life-roles:
Awarded Certificate of the Society of Socrates and Hypatia from Frostburg State University (twice).
Relationships: My mission is to act as an instrument of positive change in my family, friends, relationships and community. And to enjoy the reciprocal thereof.
Pleasures: I want to enjoy the finer delicacies that life has to offer. I love the beauty of everything that's refined.
Son: My relationship with my father is extremely important to me, I want to support my parents in all decisions that they make, to remember that all that I am- they showed me the way, and to make their lives as easy as possible as they grow older.
Husband: I will have a relationship with my wife based upon love, trust, respect and laughter. We will continue to nurture our life-long friendship and will never lose sight of the fact that we are more than just individuals; we are partners. I will respect her individuality and will support her in achieving her life goals.
Father Figure: Teacher, listener, friend.
Friend: I have a strong relationship with all of my friends and extended family, which I cherish and work to maintain. I have many close friends that I have been blessed with on my life's journey so far, and they have been vital in helping me become the person I am, and in continuing to become the person I strive to be. I am thankful for them, and place a high value on their friendship and presence in my life. I consider them family and care deeply for them, and will continue to work at maintaining these friendships.
Community Member: I will participate in my community. I will help with volunteer activities ensure that my community prospers. I won't hesitate to lend a helping hand when and where it is needed either locally or globally.
Philosophy & Psychology Awards & Achievements
Awarded Certificate of the Society of Socrates and Hypatia from Frostburg State University (twice).
Earned Practitioner of Neuro-Linguistic Programming, Hypnotherapy, and Time Empowerment Techniques.
Style & Grooming
“Good grooming is integral; and impeccable style is a must. If you don’t look the part, no one will want to give you time or money.” —Daymond Garfield John
Links & Resources
Accoutrements & Daily Carry
"Accoutrements are all the things you have with you when you travel or when you take part in a particular activity."
Black Socks. Excellent and super-confortable business socks from Switzerland.
Practice good grooming. Be clean and odor-free. Check B.O. and breath. Fingernails.
Get your nails done (all twenty). You're a Pro, not a pig farmer.
Shave correctly with a double-edge razor, with high-quality DE blades, use a brush and high-end shave soap.
Take care of your skin with good skin care products.
Travel & trips
“The goal is to die with memories not dreams.”
"I'm a self-professed Tech geek."
Google Pixel 5 Android phone (Sorta Sage)
Display: 6-inch OLED, Full HD+ (2340x1080), 90Hz refresh rate, Gorilla Glass 6
Processor: Qualcomm Snapdragon 765G
Rear Camera 1: 12.2MP primary camera, f/1.7 aperture, OIS
Rear Camera 2: 16MP ultra-wide camera, f/2.2 aperture
Memory: 8GB of RAM
Battery: 4,080 mAh
Charging: 18W wired charging, 15W wireless charging, 5W reverse wireless charging
Security: Fingerprint sensor
Connectivity: Sub-6 5G (worldwide), Sub-6, mmWave 5G (US), Wi-Fi 5
Lemur Pro (lemp10)
Pop!_OS (64-bit) with full disk-encryption
4.2 GHz i5-1135G7 (8MB Cache – 4 Cores – 8 Threads)
40 GB DDR4 at 3200MHz (8GB+32GB)
2 TB NVMe Seq Read: 7,000 MB/s, Seq Write: 5,100 MB/s
2 TB PCIe Gen3 Seq Read: 3,500 MB/s, Seq Write: 3,300 MB/s
65 W Extra Charger
WiFi 6 + Bluetooth
Normal Assembly Service
14.1" Matte 1080p FHD Display
Intel® Iris® Xe Graphics
Origin Chronos S-Class Media Server
Running Linux Pop!_OS
Motherboard: ASUS ROG STRIX Z370-I Gaming
Cooling: Asetek Frostbyte 120 Sealed Liquid System and Enermax 80mm fan UTCB8
Power: 650 Watt Silverstone SFX Series
CPU: Intel Core i9 7900X 10-Core 3.3GHz (4.3GHz TurboBoost) Skylake-X
Graphics card: 11GB NVIDA EVGA GeForce GTX 1080 Ti
Memory: 32GB G.Skill Ripjaws 3000MHz DDR4
OS Hard Drive: 500GB Samsung 960 Evo PCIe NVMe M.2
Data Drive 1: 4TB Western Digital Caviar Black
Data Drive 2: 4TB Western Digital Caviar Black
Data Drive 3: 3TB
Networking: Two LANs (Intel 1211 Gigabit) and Intel Dual-Band Wireless AC 8265
Audio: On Board High Definition 8-Channel Audio
My Digital Home
Google Wi-Fi (3 pucks)
Cox Gigabit Internet
Google Home (3 units)
Google Home Mini (3 units)
Chromecast Ultra (3 units, connected to the two TCL TV's and one to the Spectre TV)
Google Nest Hub Max smart display
All HDMI and CAT6 cables are from Blue Jeans Cable.
Philips Hue Smart Lighting: Hue Bridge, Hue color bulbs (13), Hue color candle bulbs (8), Hue Go portable light, Hue Lightstrip, Hue AC plugs (5), Hue dimmer switches (5)
My Security & Privacy Protocol
Use a VPN for all internet connections (mobile, laptop, servers). I use ProtonVPN.
Use a private DNS service, such as Quad9. Enable it in your routers, VPNs, computers and phones.
Using a unique email alias, username, and password for every account provides the ultimate defense against data breaches and strong privacy protection. In other words, each login should use a username, email and password that you don't use anywhere else. (Some websites use your email as your username - same rules apply.)
Store passwords, usernames, 2FA codes and other sensitive data in Bitwarden. Let Bitwarden generate long and unique passwords and usernames for you (never make your own passwords nor reuse old ones). Use SimpleLogin to generate unique email addresses (see below).
Use a secure email service, such as ProtonMail, for important and sensitive emails.
For every other account use an email anonymizer, such as SimpleLogin. It allows you to use a unique email address for each online account.
Use the Brave browser. It is based on Chromium and is 90% similar to Chrome. Do NOT store passwords in Brave (or any browser).
Use Cryptomator to create an encrypted folder on your computer to store your really sensitive information and then store it in an encrypted cloud storage.
If you need a domain registrar consider using a privacy and security focused one, such as Namecheap.
“The goal is to die with memories not dreams.”
Miscellaneous Achievements (not listed elsewhere)
“My business should provide an income stream that works without me. Additionally, it should be pleasurable to work in the business. To train and develop active advisors and help them obtain their business goals. I strive to be a High-Performance Professional.”
Securities licenses: 6, 26, 63, 65. Life/Health insurance license.
Public Speaker and former Area Governor of Toastmasters (Santa Ana, CA)
#1 organization leader in revenue & recruiting of Parsonex Securities (2008 - 2020)
For over three decades I've trained part-time/full-time financial advisors, and helped develop 2 $200k-earners, 10 $100k-earners, 16 part-time $50k-earners and built a $1.6M annual revenue business.