When this goes live, I’ll be on the road to the Financial Bloggers Conference outside of Chicago. That translates to a day off here.
Monday, I’ll be back with a whole bucket full of bloggy goodness.
Huh?
Am I the only one who just noticed that it’s Wednesday? The holiday week with the free day is completely screwing me up.
Just to make this a relevant post:
Spend less!
Save more!
Invest!
Wee!
Playing For Blood
Kris at Every Tips and Thoughts wrote a post about games and letting her kids win feeling bad about winning. I disagree. This post is an expansion of my comment there.
When we play games in my house, we play for blood. I’ve never let my kids win and they know it. From the first time the kids attempt Memory, they know they’ve got to earn a win against Mom and Dad. They know if they lose, they must do so gracefully. If they pout or cry, they lose game privileges for a while. I demand good sportsmanship, win or lose.
To be clear, my kids are 3, 4, and 11 and they are all held to the same standards of sportsmanship. Win or lose, they will do so gracefully. There will be no temper tantrums when they are Sorry’d and no pouting when the Queen is captured.
It took my son almost 3 years to beat me at chess. When it finally happened, he was almost as proud as I was and still talks about it 5 years later.
It’s not much fun playing games with his friends. They were coddled and expect to win everything. I have to take away game privileges just like I do for my 3 year old. They hate that because we have the coolest board games. Nobody else has games that involve zombies or disembodied brains.
What has the result been?
My kids love playing games. This week, my oldest has been teaching his sisters how to play Life. When he visits his friends, he’s as likely to bring a board game as an electronic game. He’s got a good mind for strategy, and I can’t remember the last time he pouted when I tromped him.
My 4 year old hasn’t mastered gamesmanship yet, but she will. When I threaten to put the game away, she wipes her eyes, and keeps playing, even if her jaw is chattering. She knows what is expected and works to live up to it.
Both of the older kids are competitive. They’ve never had a win handed to them, and they have each had wins they had to work for, and they know how it feels to win and earn it.
The youngest doesn’t care if she wins, she’s just happy to play. In my experience, the competitive gameplay gene doesn’t activate until 4.
In my mind, the real world won’t hand them any wins, so I might as well start teaching them how to work for it now.
How about you? Do you let your kids win, or do you teach them that all games are bloodsports?
Don’t Be A Dick
Integrity is what you do when nobody is looking.
Do you cheat at solitaire, steal from an untended garage sale, or keep something a store forgets to charge you for? If so, integrity may not be your strongest trait.
Similarly, if you let the actions of others dictate your behavior, you may be integrity impaired.
If you get cut off in traffic, do suddenly feel justified in cutting off the next guy?
If you have a dollar stolen from your desk, does that make it okay to take a candy bar from the honor-system candy box?
If the last guy left the water cooler empty, are you going to refuse to refill it the next time you are the one to drink the last drop?
If you’re answering yes to these questions, it may be time to examine your moral code. Doing the right thing means doing the right thing all of the time. You can’t be an honorable person if you resort to dishonorable behavior whenever you dislike what someone else does, especially if your actions are hurting an entirely uninvolved 3rd party.
You know the proper behavior. You know what the ethical choice is. The fact that someone else made an unethical choice doesn’t give you a license to be a dick.
If it’s your turn to clean the community refrigerator, do it and do it well, even if the last guy did a poor job.
If the last mom driving the car pool showed up late, don’t deliberately forget her kid.
If someone forgot to pay at a group lunch and you covered it, that doesn’t mean you can skip out on the bill next time.
Even if everything else is taken from you, no one can ever steal your ethics, your integrity, or your honor. Those things are up to you to destroy, and they nearly impossible to replace.
In all cases, in all things, do the right thing. You won’t be sorry.
Resurrected from the archives.
Link Roundup
In an effort to make sure that both of my readers can’t possibly miss the things I think are important, I’m going to start doing a weekly roundup of the best of the internet. Judged solely, and arbitrarily, by me.
On topic:
These, naturally, are the posts that fit the theme of this site.
How To Check Your Federal IRS Tax Refund Status. When I checked a couple of days ago, they were about 2 weeks out.
TurboTax has screwed up the property tax refund form for Minnesota. Thankfully, I haven’t filed this, yet, but I did verify the problem.
Where do you want to be in 5 years? Start taking those steps, now, or you will never get there. Find something, no matter how small, and do it.
Deficit Neutrality doesn’t count, if a massive initial purchase is offset by future intentions to cut spending.
Off topic:
This is just some of the random crap I think is worth sharing.
If you’re going to argue on the internet, make sure you have your sources right. Primary sources are better than secondary.
Bring back dueling to ensure good manners.
Here’s a guide to saving water-damaged books.
I am a shameless geek and reformed DnD player, so this room was exciting to see.
Payday Loans Suck
- Image by vonglee via Flickr
A few weeks ago, I was approached about placing ads on this site. I was excited when I read the email. It came from a real domain, didn’t involve any Nigerian princes or wire transfers for overpayments.
Over the course of the email conversation, it was determined that, for a fee, I would place some links in a few archived posts. It would just be links to improve search engine ranking, without being an eyesore for my current readers. I don’t have a problem with that. The intrusiveness is similar to Chitika ads, which are only visible to search traffic. It’s a nice way to advertise: monetization without alienation.
Then I saw the links. I was being offered money to promote payday loans.
Payday loans offer to loan you–for example–$100 for the low(snort) price of just $25. That’s not bad. Only 25%. I know some credit cards that aren’t that good. The catch is that the loan is due in full in 2 weeks. That gives it an APR(Annual Percentage Rate) of 650%. That’s not so good.
When you payback the loan, your paycheck is pre-spent by whatever you borrowed, plus the pound of flesh fee and you are that much more likely to need their services again, digging you even deeper.
It’s not like the target demographic is terribly affluent. These are people who not only can’t make ends meet, but also can’t acquire traditional credit. They are left paying this insulting fee.
I consider payday lending companies to be immoral, unethical and generally, more than a bit dishonest. These are the people who give decent, hardworking capitalists a bad name. I’d rather go to a mob loan shark. He’s at least honest about what he is.
They got shot down.
Don’t get me wrong, I enjoy making money. I also enjoy the money I make here.
But not at the expense of my soul or my integrity.
