- RT @kristinbrianne: Get Talk and Txt Unlimited Cell Svc w/ Free Phone for $10 per month by joining DNA for Free. http://tinyurl.com/yyg5ohn #
- RT: @ChristianPF is giving away an iPod Touch! – RT to enter to win… http://su.pr/2LS3p5 #
- 74 inch armspan and forearms bigger than my biceps. No, I don't button my shirt cuffs. #
- RT @deliverawaydebt Money Hackers Network Carnival #111 – Don't Hassel the Hoff Edition http://bit.ly/9BIAvE #
- @bargainr What would it take to get you to include me in the personal-finance-bloggers list? #
- Working on a Penfed application to transform my worst interest rate into my best. #
- Gave the 1 year old pop rocks for the first time. Big smiles. #
- @Netflix @Wii disc works well and loads fast. Go, go gadget movie! #
Twitter Weekly Updates for 2010-04-24
- Watching Gamers:Dorkness Rising #
- Charisma? Weee! #
- Tweeting a dork movie? I'm a bit of a geek. #
- We just met and the first thing you do, after boinking a stranger in the presence of the king, is to murder a peasant? #
- Every movie needs a PvN interlude. #
- Everything's better with pirates. #
- Waffles? Recognize. #
- The Spatula of Purity shall scramble the eggs of your malfeasance. #
- Checkout clerks licking their fingers to separate bags or count change is gross. #
- Watching Sparkles the Vampire, Part 2: Bella's Moodswing. #twilight #
- @penfed was a waste of money. $20 down the drain to join, wouldn't give a worthwhile limit, so I can't transfer a balance. #
- @JAlanGrey It's pretty lame. The first one was ok. This one didn't improve on the original. in reply to JAlanGrey #
- RT @tferriss: Are you taking snake oil? Beautiful data visualization of scientific evidence for popular supplements: http://ping.fm/pqaDi #
- Don't need more shelves, more storage, more organization. Just need less stuff. #
- @BeatingBroke is hosting the Festival of Frugality #226 http://su.pr/80Osvn #
- RT @tferriss: Cool. RT @cjbruce link directly to a time in a YouTube video by adding #t 2m50s to end of the URL (change the time). #
- RT @tferriss: From learning shorthand to fast mental math – The Mentat Wiki: http://ping.fm/fFbhJ #
- RT @wisebread: How rich are you? Check out this list (It may shock you!!!) http://www.globalrichlist.com/ #
- RT @tferriss: RT @aysegul_c free alternative to RosettS: livemocha.com for classes, forvo.com for pronunc., lang8.com for writing correction #
- Childish isn't an insult. http://su.pr/ABUziY #
- Canceled the Dish tonight. #
Twitter Weekly Updates for 2010-05-01
- RT @Dave_Champion Obama asks DOJ to look at whether AZ immigration law is constitutional. Odd that he never did that with #Healthcare #tcot #
- RT @wilw: You know, kids, when I was your age, the internet was 80 columns wide and built entirely out of text. #
- RT @BudgetsAreSexy: RT @FinanciallyPoor "The real measure of your wealth is how much you'd be worth if you lost all your money." ~ Unknown #
- Official review of the double-down: Unimpressive. Not enough bacon and soggy breading on the chicken. #
- @FARNOOSH Try Ubertwitter. I haven't found a reason to complain. in reply to FARNOOSH #
- Personal inbox zero! #
- Work email inbox zero! #
- StepUp3D: Lame dancing flick using VomitCam instead or choreography. #
- I approve of the Nightmare remake. #Krueger #
Charity is Selfish
I try to give 10% of my income to charity. I don’t succeed every year, but I do try.
I don’t give because I’m generous. I give because I’m selfish.
If you give to charity, you are too.
I’m not talking about people who give to charity strictly for the tax deduction, though that is selfish too. I’m referring specifically to the people who give to charity out of the goodness of their hearts.
If I give a thousand dollars worth of clothes to a homeless shelter, I get a warm fuzzy feeling knowing that I helped people stay warm.
If I send $100 to the Red Cross for whatever terrible disaster happened shortly before I made the donation, it makes me feel good to have contributed to saving those lives.
The put-the-inner-city-kids-on-a-horse thing we do? Makes me happy to get those kids into a positive situation.
Donating blood? Yay, me! I’m saving lives!
While it’s nice to help other people, that’s not the ultimate reason I’m doing it. I do it because it makes me feel good about myself to help other people, particularly people who–for whatever reason–can’t help themselves.
That’s the basis of altruism. It’s not about helping others, it’s about feeling good about helping others.
The truly selfish, the evil dogooders, are the ones who want to raise taxes to give it away as “charity”. They get to feel like they are doing something and helping others while not actually contributing themselves and, at the same time, stealing that warm fuzzy feeling from the people who are providing the money to start with.
Evil.
Charity has to be done at a personal, local level or the benefits to the giver are eliminated while the benefits to the receiver are lessened. Bureaucracy doesn’t create efficiency.
For the record, if it’s taken by force, by tax, it isn’t charity. Charity cannot be forced. Forcing charity is, at best, a fraudulent way for petty politicians, bureaucrats, lobbyists, and activists to feel they have power over others.
Again, evil.
How to Prioritize Your Spending
Don’t buy that.
At least take a few moments to decide if it’s really worth buying.
Too often, people go on auto-pilot and buy whatever catches their attention for a few moments. The end-caps at the store? Oh, boy, that’s impossible to resist. Everybody needs a 1000 pack of ShamWow’s, right? Who could live without a extra pair of kevlar boxer shorts?
Before you put the new tchotke in your cart, ask yourself some questions to see if it’s worth getting.
1. Is it a need or a want? Is this something you could live without? Some things are necessary. Soap, shampoo, and food are essentials. You have to buy those. Other things, like movies, most of the clothes people buy, or electronic gadgets are almost always optional. If you don’t need it, it may be a good idea to leave it in the store.
2. Does it serve a purpose? I bought a vase once that I thought was pretty and could hold candy or something, but it’s done nothing but collect dust in the meantime. It’s purpose is nothing more than hiding part of a flat surface. Useless.
3. Will you actually use it? A few years ago, my wife an cleaned out her mother’s house. She’s a hoarder. We found at least 50 shopping bags full of clothes with the tags still attached. I know, you’re thinking that you’d never do that, because you’re not a hoarder, but people do it all the time. Have you ever bought a book that you haven’t gotten around to reading, or a movie that went on the shelf, still wrapped in plastic? Do you own a treadmill that’s only being used to hang clothes, or a home liposuction machine that is not being used to make soap?
3. Is it a fad? Beanie babies, iPads, BetaMax, and bike helmets. All garbage that takes the world by storm for a few years then fades, leaving the distributors rich and the customers embarrassed.
4. Is it something you’re considering just to keep up with the Joneses? If you’re only buying it to compete with your neighbors, don’t buy it. You don’t need a Lexus, a Rolex, or that replacement kidney. Just put it back on the shelf and go home with your money. Chances are, your neighbors are only buying stuff so they can compete with you. It’s a vicious cycle. Break it.
5. Do you really, really want it? Sometimes, no matter how worthless something might be, whether it’s a fad, or a dust-collecting knick-knack, or an outfit you’ll never wear, you just want it more than you want your next breath of air. That’s ok. A bit disturbing, but ok. If you are meeting all of your other needs, it’s fine to indulge yourself on occasion.
How do you prioritize spending if you’re thinking about buying something questionable?
Can Bad Credit Cost You Your Job?
Did you know that having a bad credit history could cost you your job? An increasing number of American employers have turned to running credit checks to screen job
applicants. Some companies even evaluate existing employees on a regular basis by checking their credit reports. If you have outstanding debts, you might consider getting one of those credit cards for bad credit to clean up your report before you apply for your dream job.
Not all companies run your credit history when you apply for a position. However, if you’re applying for a job that entails working with money or valuables, it’s a safe bet that they’ll be checking your credit history. Financial institutions, brokerage companies and jewelry manufacturers all run credit checks, as do hotels, accounting firms, human resource departments and government agencies.
Companies run credit checks because they want to hire employees who won’t be tempted to embezzle company funds to pay off large debts. Some companies fear that employees who carry large debt loads are susceptible to blackmail or bribery. The federal government carries this concern even further, indicating that citizens who owe large debts are considered national security risks.
Many companies feel that your credit report gives them a sneak peak at your true character. Having a good credit history indicates that you are a responsible person with excellent character. Having a bad credit history means that you are an unreliable person of poor character. True or not and fairly or not, this is the current belief running throughout company hiring departments.
Unfortunately, you can’t relax about your credit report even after you’ve been hired for a position. Once you’ve given a company written permission to check your credit report, they can recheck it at a later date. Government and financial organizations often run periodic credit checks on all of their employees. Some companies only recheck your credit history if you are up for a promotion. It’s a good idea, therefore, to keep your credit history squeaky clean.
Keep in mind that having a couple of late payments probably won’t kill your chances of employment or promotion. Most employers look for the really big issues, such as high credit card balances, defaulted student loans, repossessions and foreclosures. Some companies also look for charge-offs and consistent late payments as well.
Steps You Can Take
Financial experts suggest checking your credit report before you start your job search. Read your credit report carefully and make sure that all of the information is accurate. If your report contains incorrect details or any unauthorized charges, dispute these errors immediately and have them corrected to raise your credit score.
If you have a host of unpaid bills, find a way to settle those debts to improve your credit history before applying for jobs. Many people turn to credit cards for bad credit consumers. These cards allow you to consolidate all of your debts into a single debt. Just don’t forget to make the payments on this card.
Be upfront with potential employers about any negative marks on your credit history. Just tell them that you have had past issues with your credit and are now working to clear up all of your debt. There’s no need to go into explicit detail.
Once you have a job, be sure that you check your credit report at least every six months to ensure it contains only correct information. Pay all of your creditors on time. Never take out any new lines of credit unless you are absolutely positive that you can pay it back in a timely manner.
Post by Moneysupermarket
