- 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 #
Do you have what it takes to be wealthy?
I saw this quiz and thought it would be fun to liveblog taking it. Yes, I’m lame. I’m going to take the quiz here. I’m copying the questions over before reading the answers and answering each question before reading the next.
1. How optimistic are you?
I have to go with A, the glass is half full, but I like to think I’m more of a “That’s half of a glass of water” kind of guy.
2. When you grew up, your parents were:
A & C. We owned a home, but money was always tight. I’m picking C. We always had everything we needed, so we certainly weren’t poor, but I also didn’t have every video game system in existence.
3. How healthy are you?
A. I can’t complain. I’m borderline on a few issues, but overall, I’m pretty healthy.
4. How smart are you?
I’d bet very few people consider themselves stupid, regardless of evidence to the contrary. I’ll take B, smarter than most, and hope it doesn’t sound arrogant.
5. What level of education did you complete?
B. College. I went to a tech school and took a diploma program. That’s working out well for me, so far.
6. Physically, you are:
A, B, & C. I’m tall, heavy, and pretty darn sexy!
7. What’s your sibling situation?
I have two and I’m the middle child.
8. Are you married?
A. Yes, to spouse #1.
9. Do you have kids?
3 of the little monsters. They are a money-drain, but worth every penny. Most days.
10. Do you exercise?
D. I neither smoke nor exercise. There’s no middle-of-the-road answer to this one. You either hit the gym regularly, or you are a lump on the couch.
11. People describe you as:
B. Persistent. I think the actual word used is “obsessive”.
12. Do you believe a woman’s place is in the home.
A. I may joke about it, but that’s not a choice for me to make.
13. When it comes to work:
A, B & C. I have a day job, but I’m also regularly pursuing side-hustles, including one that is 4 years old and relatively profitable. Since I can only choose one, it’s A, because that’s my primary income.
14. How would you like to jump out of a plane?
A. I want to, but promised my wife I’d wait until the kids were out of the house.
15. Who would you rather emulate?
B. I’m not into an entourage, and have no urge to surround myself with 500 of my closest leeches. Good times with good friends is enough for me.
I scored 39 out of 72, which puts me in “You’ve got a shot at real money!” My financial outlook puts me at comfortable, but not care-free, which is an okay place to be.
What’s your score?
The Spending Styles of the Rocky Horror Picture Show
- Image via Wikipedia
Everybody has a spending style. Like a fingerprint, it is unique to each individual, even if that individual is fictional.
Since it is the Halloween season, and The Rocky Horror Picture Show is a Halloween movie, I’m going to look at how those characters spend their money.
Janet Weiss – A Heroine
Janet is the stereotype of every suburbanite soccer-mom-who-hasn’t-gotten-married-and-had-kids-yet. She wants to keep up with the Joneses(“It’s nicer than Betty Monroe had! [Oh Brad!]”) and she is obviously impressed by and envious of people who have all of the trappings of the “finer things”. If she has a credit card, you can bet that it is peeling on the sides from over-use. While she wears conservative clothes and sensible shoes to go visit an old mentor, she’s almost definitely got a closet full of fancy shoes and a drawer full of real-baby-seal-skin g-strings. If Brad were smarter, he’d run, and not just because of her loyalty issues. She’ll never be content with a sensible car and modest house.
Brad Majors – A Hero
Brad is a pompous jerk who thinks he’s better than those around him. He’s also extremely conservative and slow to accept change. He’s going to give Janet an allowance and complain every time she spends a penny of it. His investment portfolio is well-balanced and configured for long-term growth and he’s going to rub your nose in it at the neighborhood barbecue. To shut him up, just ask why his kid was born with an accent and garters.
Magenta – A Domestic
What’s a domestic? Magenta is the most financially responsible person in the show. She’s third -in-command of an alien invasion, but still takes on a second job? That’s a woman planning for retirement. She’s not going to rely on anyone to support her. She knows how to enjoy a party, without having to spend all of her money on a glitter-suit.
Columbia – A Groupie (as Little Nell)
Columbia is incapable of making a decision that wasn’t pre-formed by her peer group. She’s doomed to chase every fad, hoping it will impress those around her. While she’ll always be remembered for her glitter-suit or the corset that isn’t quite tall enough, she’ll never be happy or have a spare penny in case of emergencies.
Riff Raff – A Handyman
Riff Raff has jealousy issues. He sees his boss and commander throwing a party and having a good time, but, instead of working towards being able to do that himself, he kills his boss and steals his house. He is greedy, jealous, and deceitful. Don’t ever turn your back on him, or he’ll steal your wallet, hit you over the head and bury you in the backyard just so he can pretend it’s his party.
Eddie – Ex Delivery Boy (as Meatloaf)
Eddie is out of his head (H-E-D). He’s the tag-a-long who will keep buying expensive dinners that he can’t afford in an attempt to impress whoever is around to see him pick up the check. He isn’t sure how to fit in, but he’s positive that he can buy his way there. In reality, he’s dead(spelled right) broke and will end up getting screwed.
Rocky Horror – A Creation
Here is the true blank slate. He’s just seven hours old, so he’s got no bad habits to break. Unfortunately, he’s never had to learn any hard lessons, so his head is easily turned by an glittered bauble or babbling, half-dressed flake. He’s incapable of making an informed decision about anything, so he follows everyone around getting whatever they like. He’ll spend his entire life getting by on his looks, which will almost always be successful, until life catches up to him and he dies broke and alone.
Dr. Frank-N-Furter – A Scientist
Frank knows how to throw a party. He travels 12 billion light years brings not only a keg, but the entire party house with him. Who wouldn’t want to be his friend? There’s a fancy house, a room to stay in if you drink too much, pretty people being built in the lab, and gourmet corn-fed delivery-boy being served for dinner. Watch out, though. He doesn’t tend to his job. One day, the credit cards will be maxed, the bank will foreclose on the house and send it back to Sweet Transexual Transylvania, leaving Frank penniless. Who will be his friend then?
Which Rocky character are you?
Science Fiction
Double Feature.
Frank has built and
Lost his creature.
Darkness has conquered
Brad and Janet.
The servants gone to
A distant planet.
5 Ways to Change the World for the Better
- Image via Wikipedia
We are all stuck on the same planet with each other. There is nothing any of us are going to do to get the option of leaving for long. Do you want to live in a miserable, run-down world, or one that’s happy and filled with kittens and ice cream?
The kind of world you live in is more a function of your state of mind than the place you live, the job you have, or the person you married. Here are a few ways to improve that state of mind.
1. Be kind. Smile at a teller. Let someone merge in front of you in traffic. Drop a dollar in a homeless man’s jar. Have you ever had a lousy day make a total turnaround because of some inconsequential bit of yay? Doing some small act of kindness can make a world of difference in someone’s day. Next time you’re in the drive-through at Caribou, buy coffee for the person behind you. That random bit of love will put a smile on both your faces.
2. Be positive. Don’t complain. So many of us live in a negative world, watching the world go buy through coffin-colored glasses. Have you ever considered going an entire day without making a negative comment? A week? A month? Some of you are shaking your heads right now, thinking it’s impossible. Have you thought about how much happier you would be if you banned the negative crap in your life?
3. Be a good neighbor. We’ve all had the same problems: a neighbor that plays music too loud, too late; the jerk across the street who yells at you for park on the street in front of his house; the guy who’s too busy to mow his lawn; or the crazy cat lady who makes the entire neighborhood smell like a litter box. Don’t be that guy. I’ve had 90% of my neighbors for more than 5 years. If we don’t make accommodations for the people we have to deal with every day, we’re going to be miserable.
4. Learn something new. If you feel good about yourself, you feel better about the world. If you feel better about the world, you’re more likely to do things to improve it. One of the best ways to feel good about yourself is to improve yourself. Take a class, read a book, or find a mentor to teach you. The method doesn’t matter, just do something to learn something you’re interested in.
What are you doing to make your world better?
2011 Goals
It’s that time of the year when people make public promises to themselves that last almost as long as the hangover most of them are going to earn tonight, otherwise known as New Year’s Resolutions.
Not a fan.
I am, however a fan of planning out some concrete goals and doing my best to meet them. I do this through a series of 30 day projects. I set a goal that can be reached in 30 days, and push for it. I tend to make my goals fairly aggressive, and I tend to meet them.
Here were my goals and results for 2010:
- January: Wake up at 5am AND read to my kids every night before bed. These were easy goals to meet. A year later, I am still getting up much earlier than I ever have, even if it’s not 5AM. I write better late at night than I do early in the morning, anyway. I’m not still reading to my kids every night, but we are making progress on teaching my four-year-old to read.
- February: Do 100 push-ups at one time by the end of the month. I accomplished this in 22 days. I also had a secret project that involved doing something sweet for my wife every day. By the end of the month, she was convinced I had done something horrible that I was trying to make up for.
- March: Do 100 sit-ups at one time by the end of the month. It took me a week, but I found out how bad sit-ups are for your back. Pure failure.
- April: Spring Cleaning. I will declutter every room in my house this month. We missed one room and one closet, but made a lot of charities happy.
- May: Have a sit-down dinner with my family, at the dining room table at least 3 times per week. We managed this one and enjoyed it, but we haven’t managed to keep it up. I’ll have to try this again.
- June: No computer use, while anyone else in the family is awake, except for household necessities, such as bills. This one worked well and improved the quality of our interaction. I’m not quite this strict about it, but my computer use has gone down dramatically while my family is awake.
- July: Write fiction every day. I don’t think I wrote more than a few pages of fiction, but I did write every day.
- August: Buy nothing new this month. We came very close to doing this one perfectly. It wasn’t easy.
- September: Attempt to learn a new language. Total bomb. I never even got started.
- October: No yelling at the kids. Have you ever thought about trying this with a a two-year-old and a four-year-old? We never got started.
- November: No complaining. Not at home, not at work. I didn’t make this an actual month, but I’ve been trying to complain much less. I think it’s been working.
- December: I will have done 14 projects this year. December is a month off. As planned, I took December off.
So I missed 4 months of projects. This year, I’m going to modify my overall plan and only do 6 projects, every other month. That will give me a month off to either relax or incorporate the goal into my ongoing habits without any stress.
Here are my goals:
- January: I’m going to do Tim Ferriss’s Slow-Carb diet. Yes, it’s a fad diet, but it beats the constant stream of garbage I eat now. The basic plan is to avoid anything white; no bread, pasta, rice, potatoes, or sugar. That’s accompanied by a targeted supplement regimen and a timed exercise plan to manipulate my metabolism. I’m not adding any aerobic exercise to my day, because I want this to be as controlled an experiment as possible. If it’s working at the end of the month, I will keep it going. It’s time to not be fat anymore.
- March: In February, I managed to get myself able to do 100 pushups in a single set. In March, I hurt my back trying to do the same with sit-ups and that killed my workout habit. This March, I’m going to do the 100 pushups challenge again, but this time, I’m going for perfect pushups. Last year, they got sloppy after about 80. This year, that won’t be good enough.
- May: I’m going to do at least 30 days of the Couch to 5k running program. It’s a 9 week program. As a 30 day project, it’s designed to establish the habit. When I tried picking up running last year, my knees were causing problems. Hopefully, my January project will mitigate that this year.
- July: I’m going to pick up a new language. This is the failed plan from September 2010. I’ve narrowed it down to either Spanish, Swedish, or Italian. One is useful, one is a part of my heritage, and one is for fun. At the moment, I’m undecided.
- September: Undecided. I am leaning towards a “nice” month. 30 days of doing something nice, for someone, somewhere. If I go this route, I’ve got 9 months to plan, because that’s a lot of things to do.
- November: Absolutely undecided. Any suggestions?
That’s my plan for the new year. Six specific goals, each lasting 30 days. I could definitely use some help for September and November. Please give me some suggestions in the comments.
Whiners
I have a lot of friends and family in different financial stages in their lives. Some are deeper in debt than I am, others are just starting to dig their own pit, still others have paid off every cent of debt they’ve ever used. That’s okay; as they say, it takes all kinds to make the world go round.
Out of all of those, the only ones who irritate me are the spendthrift whiners. These are the people who spend 28 days a month struggling to make ends meet and complaining about how hard their lives are. They make snide comments about how easy other people have it, and act like they are being cheated out of their birthright whenever anybody does anything fun that they can’t do because they are too broke.
The other two days—or sometimes three—of the month, are payday. These are the days the the spendthrift whiners try to make themselves feel rich for 24 hours, while wondering why you aren’t willing to hit the fancy restaurants and expensive vacations with them. This is the day they will buy a dozen moves, or a new home theater system, or a big screen TV. It’s the day they will drop a non-refundable deposit on an exotic vacation, or shop for a new car. Before they know what’s happening, the money is gone and they are broke again until next payday, condemned to whining about their horrible situation, while their spendthrift-whiner friends and neighbors complain about the injustice of having to go without luxuries while our hypothetical spendthrift whiners have a big screen TV and an exotic vacation to Dubuque booked.
These people give no thought to the future. Their life savings consist of depreciating electronics and a fancy scrapbook. What do they do when life catches them by surprise? They come begging for a loan, or charge the emergency to a credit card while complaining about the cost of interest. Ultimately, everyone who plans ahead and sets some money aside is obviously trying to rip them off, because nobody can actually do well for themselves without being crooked.
They are absolutely convinced that life is too hard to succeed, and they refuse to examine their own behavior to find the cause of their problems.
Until payday.
What’s your biggest financial pet peeve?
This was originally a guest post written for a blog swap run by the Yakezie personal finance blog network to answer the question “What is your biggest financial pet peeve?“ It ran on Faith and Finance.
