- I tried to avoid it. I really did, but I’m still getting a much bigger refund than anticipated. #
- Did 100 pushups this morning–in 1 set. New goal: Perfect form by the end of the month. #
- RT @BudgetsAreSexy: Carnival of Personal Finance is live 🙂 DOLLAR DOODLE theme: http://tinyurl.com/ykldt7q (haha…) #
- Hosting my first carnival tomorrow. Up too late tonight. #
- Woot! My boy won his wreslting match! Proud daddy. #
- The Get Home Card is a prepaid emergency transportation card. http://su.pr/329U6L #
- Real hourly wage calculator. http://su.pr/1jV4W6 #
- Took my envelope budget out in cash, including a stack of $2s. That shouldn’t fluster the bank teller. #
Filing Bankruptcy: Pride or Shame?
I’m a big fan of personal responsibility. If you’ve promised to do something, you should do it. With that said, it seems odd to some people that I don’t have an ethical problem with bankruptcy. For some people, it is the only option after a long series of problems.
Don’t get me wrong, it should be a shameful decision. Reneging on your word should never be a source of pride. It should be a difficult decision to make. A couple of years ago, I came very close to making that decision myself.
It should not be a reason to celebrate and it should absolutely not be a reason to behave irresponsibly. Some people don’t see a need to take care of their responsibilities because, when it gets bad, they’ll be able to file bankruptcy and make the creditors go away. They are abusing a safety net. That abuse hurts everyone. Credit card companies have to charge higher interest rates so the paying customers can cover the risk of those who default or file bankruptcy.
There is one prominent local bankruptcy attorney who files every 10 years, and has filed consistently for decades. He runs a thriving practice, so it’s not a matter of poor choices, it’s a matter of deliberately living beyond his means and screwing his creditors. He’s one of the slime-balls that give lawyers a bad name. He is one of the many who abuse a lifeline designed to save people from a life of destitution they didn’t ask for, and he does it to finance his extravagant lifestyle.
If you have found yourself buried in a debt you didn’t plan for, if life threw you a curve-ball that you are entirely unable to deal with, if you have to file bankruptcy, it’s okay. Really. When you go in front of the judge, have the decency not to enjoy it, and try to learn from the experience.
Memorial Day
JUST A COMMON SOLDIER
(A Soldier Died Today)
by A. Lawrence Vaincourt
He was getting old and paunchy and his hair was falling fast,
And he sat around the Legion, telling stories of the past.
Of a war that he had fought in and the deeds that he had done,
In his exploits with his buddies; they were heroes, every one.
And tho’ sometimes, to his neighbors, his tales became a joke,
All his Legion buddies listened, for they knew whereof he spoke.
But we’ll hear his tales no longer for old Bill has passed away,
And the world’s a little poorer, for a soldier died today.
He will not be mourned by many, just his children and his wife,
For he lived an ordinary and quite uneventful life.
Held a job and raised a family, quietly going his own way,
And the world won’t note his passing, though a soldier died today.
When politicians leave this earth, their bodies lie in state,
While thousands note their passing and proclaim that they were great.
Papers tell their whole life stories, from the time that they were young,
But the passing of a soldier goes unnoticed and unsung.
Is the greatest contribution to the welfare of our land
A guy who breaks his promises and cons his fellow man?
Or the ordinary fellow who, in times of war and strife,
Goes off to serve his Country and offers up his life?
A politician’s stipend and the style in which he lives
Are sometimes disproportionate to the service that he gives.
While the ordinary soldier, who offered up his all,
Is paid off with a medal and perhaps, a pension small.
It’s so easy to forget them for it was so long ago,
That the old Bills of our Country went to battle, but we know
It was not the politicians, with their compromise and ploys,
Who won for us the freedom that our Country now enjoys.
Should you find yourself in danger, with your enemies at hand,
Would you want a politician with his ever-shifting stand?
Or would you prefer a soldier, who has sworn to defend
His home, his kin and Country and would fight until the end?
He was just a common soldier and his ranks are growing thin,
But his presence should remind us we may need his like again.
For when countries are in conflict, then we find the soldier’s part
Is to clean up all the troubles that the politicians start.
If we cannot do him honor while he’s here to hear the praise,
Then at least let’s give him homage at the ending of his days.
Perhaps just a simple headline in a paper that would say,
Our Country is in mourning, for a soldier died today.
The Happy Butt
Do you find the cloud in every silver lining? Is the glass not only half empty, but evaporating? Do you start every day thinking
about how the effects of entropy on the universe make everything you do ultimately pointless?
You may be a pessimist.
Pessimism gets a bad rap. Without pessimists, we wouldn’t have insurance plans, missile defense systems, or Eeyore, and what would the world be without those things?
The thing you have to ask yourself is “Does the negativity make you happy?”
The next thing you have to ask yourself is whether or not you were lying with your previous answer.
If you have a negative outlook on everything, I have good news for you: it’s possible to defeat it. No matter how long you’ve been looking at the world through coffin-colored glasses, no matter how ingrained your negative slant is, it’s possible to change it.
You have to want to change it, because, as the saying goes, old habits die hard. Yippee kai yay.
You need a happy butt.
Little known fact: language shapes the way you think. If your language has no words for a concept, you will have a difficult time thinking about that concept, or even understanding it. Statistically, Asians are better at math than their western-world counterparts. Why? It’s not genetic. When a family moves to the US, the edge is lost within 2 generations. It’s not the amount of school they get. Even in backwaters with limited school access demonstrate the same abilities.
It’s the language. Euro-based languages are horrible. They are a clumsy mish-mash of crap from around the world, and the numbering system makes no sense. 11, 12, 13, huh? Spoken, that’s not a progression, it’s something we have to learn by rote. Why is 13 pronounce “thirteen”, with the ones place first, but 23 is pronounced with the tens place first, the way it is written? Where did the word “twenty” even come from? It’s obviously a horrible bastardization of “two” and “ten”, but is it self-evident? Does the progression through the decades follow some kind of rule? Twenty, thirty, forty, fifty. Nope.
The Asian languages (most of them) differ. The numeric progression is spoken in a rules-based progression that makes sense. 23 is literally “two tens three”, making learning math less about rote memorization and more about masters some simple rules.
In the western world, we are handicapped by our language, at least when it comes to math.
The rest of our thoughts are formed by language, too. Learn a language with different roots than the one your were born with and see how your perceptions change.
One of the signs of negative thinking is qualifying everything you say negatively. For example, one person might say “It’s a beautiful day, today” while Mr. Negativebritches would say “It’s a beautiful day, but it’s probably going to rain.” That’s a sad butt, err, but. Every time you qualify a sentence with a sad butt, you are reinforcing your negative view of the world.
The solution? Drop your drawers and paint on a smiley face. You need a happy but(t). You can rephrase the sentence into a happy thought without changing the sentiment or meaning in any way. Try this: “It’s probably going to rain, but it’s a beautiful day, now.” That’s a happy butt, and it reinforces the positive in your mind.
It sounds stupid, but it works. Your language shapes your life. Put a positive spin on what you say, and you will eventually start to think about life in a positive way.
Give it a shot. For the next week, every time you say something negative, qualify it with a happy butt. At the end of the week, come back here and tell me how it’s working and if you can sense a change in your mindset.
Living the XBox Life on an Atari Income
- Image via Wikipedia
At some point, everyone has “champagne wishes and caviar dreams.” Over the last 25 years, we’ve even been peddled the “you can have it all” myth from every direction, including the media and the government.
The truth is simple: you cannot have it all. You can have anything, but you can’t have everything. In order to have one thing, you have to give up something else. It’s a law of nature. If you have $5, you can either get a burger or an overpriced cup of coffee, but not both.
“But wait!” you shout, rudely interrupting the narrator, “I have a credit card. I can have both!”
Wrong.
And stop interrupting me.
If you have $5 and borrow $5 to get some coffee to go with your burger, you will eventually have to pay that money back with interest. You will have to give up a future-burger AND a flavor shot in your overpriced coffee.
Everything you buy needs to be paid for, some day.
If you have an Atari income, but insist on living the XBox life, you will wake up one day, buried in bills, forced to live the Commodore-64 life out of sheer desperation.
There is a solution.
Don’t get all XBox-y until you are making XBox money. That way, you’ll never have to worry about going broke tomorrow paying for the fun you had yesterday.
Even when you have an XBox income, ideally you’ll restrict yourself to living a Gamecube life, so you’ll be able to put some money aside to support future-you instead of constantly having to worry about your next paycheck.
Money Crashers 2010 New Year Giveaway Bash
I sponsored a prize in the Money Crashers 2010 New Year Giveaway Bash. I’m giving away a $50 gift card to Alice.com. Other people, sites, and blogs are giving away a combined $7500+ in cash and prizes. There will be more than 100 winners and there are more than a dozen ways to enter.
Don’t miss out.
