These days in the recession as they so call it, have been nothing but a blur to most and most certainly crazy for others.
Banks raising interest on credit cards, charging overdraft fees for every single time your check deposited the day after of 30 minutes after closing.
Your cell provider making things more complicated while giving you the runaround wasting your time, money, and patience.
Where do we go when there are no more walls to lean against? No sidewalks or stoops to sit down on? No breathing room for me, or for you?
The problem in today's world is greed and well...a little more greed.
Our country became greedy, causing us to do the same almost as far as material things, and then bad bets lost credibility to our so called glorious system. We in turn lost our own credibility to keep a good reputation with wealth.
No one is fooled by these thieves. But we sank in and fooled ourselves.
Put things off, just like they wanted us to.
They made a bet with our money, lost it, and we are now paying for it.
Then we made the same bets, lost, and cried about it.
Banks all over have had system errors, causing you to waste your cellphone minutes to stay on the line for half hour. What about the only phone you could possibly have, the prepaid?
Then there's the few of us who knew the system well enough to use a land line, but at one time and one time only had to use the pre paid or cell phone to make the call and wasted 30 - 45 minutes just waiting for an answer to a possible overdraft fee or charge incurred for no reason, or bank error.
No matter how you look at this, we are in for a run.
No marathons here. Call it the treadmill that malfunctioned and wont turn off, and its going too fast for you to jump off and get to the plug.......
Exactly..
Savings are down.
Prices are up.
Morale is low.
Depression is high.
What do we do?
We do what we always do.
Devise a plan. Stick to it for a week. Switch it up to keep things shaking, and then find yourself against the pillows on the biggest couch to breathe and relax.
or..
Devise a plan, screw the plan, come up with a million dollar scheme and drain into a bigger hole, or possibly build a mound. How far could you take your efforts?
Point is. Everything's going down, but don't give up.
Fight for your money earned.
Start this new year with a plan that you know IS achievable.
Hook it up.
Run.
Bring your water bottle, too.
This time we ride the road.
Nature's original path.
And that's Real Talk.
Showing posts with label money. Show all posts
Showing posts with label money. Show all posts
Wednesday, January 6, 2010
Saturday, November 21, 2009
The man wants his relief..
When will mine come?
Today Americans and many across the globe are being stuck into bigger debt than ever before.
We don't realize the consequences of our debts when the payments become nothing but fragments to a much bigger pot.
The interest rates are what kill us and adding to the pot when we pay things off is all the wrong.
However,
The companies making their profits in the sense aren't really the bad guys. We as people like to spend what we don't have naturally. Pay it off later as we say. Later is here and the payments are not going to be enough.
So what do we do in times of desperation especially with the holidays coming up and the job losses increasing?
If you ever thought about working for the government, you might have to if you didn't before.
Naturally those who have the BEST bonuses for working is a government owned operation.
Any benefits anywhere else never compare. Why is this? Think about it.
Our so called freedoms are limited. Everyday we cause ourselves to lose more and more of them by complaints or over-exaggerations in situations. This is probably why no one will hire anyone in anywhere for any reason. We don't want to lose money we don't have. Workforces don't either.
The lawsuits pile up from dirty crimes, which leaves less openings for those with bigger mouths in a sense.
Many have lost homes.
Many have lost lives.
Many have lost the will.
It's time to start spending correctly. Stop giving back so much to those who don't need it.
I don't mean stop paying for food for you and your friends.
Just don't always be the only one.
Don't be so hard with your money that you can;t treat when others are treating.
Money isn't everything. (At least until your out of your hole)
Moral of the story is,
Our lives are becoming consumed with irrelevance. Things we don't need to have.
Money is being thrown away and we barely see it just because we rely on impressions from others who in the long run won't really ever be there again.
But that isn't 100% truth. Some people will stick around for more goodies ;).
So start revving up your checking accounts with your savings.
Stop using the credit card unless you know you can pay the entire balance off within 2 weeks.
Think about the money you'll save on not relying on the charge.
It's killing everyone's pockets.
The ones who have your money, lost it in Vegas.
And that's Real Talk.
Today Americans and many across the globe are being stuck into bigger debt than ever before.
We don't realize the consequences of our debts when the payments become nothing but fragments to a much bigger pot.
The interest rates are what kill us and adding to the pot when we pay things off is all the wrong.
However,
The companies making their profits in the sense aren't really the bad guys. We as people like to spend what we don't have naturally. Pay it off later as we say. Later is here and the payments are not going to be enough.
So what do we do in times of desperation especially with the holidays coming up and the job losses increasing?
If you ever thought about working for the government, you might have to if you didn't before.
Naturally those who have the BEST bonuses for working is a government owned operation.
Any benefits anywhere else never compare. Why is this? Think about it.
Our so called freedoms are limited. Everyday we cause ourselves to lose more and more of them by complaints or over-exaggerations in situations. This is probably why no one will hire anyone in anywhere for any reason. We don't want to lose money we don't have. Workforces don't either.
The lawsuits pile up from dirty crimes, which leaves less openings for those with bigger mouths in a sense.
Many have lost homes.
Many have lost lives.
Many have lost the will.
It's time to start spending correctly. Stop giving back so much to those who don't need it.
I don't mean stop paying for food for you and your friends.
Just don't always be the only one.
Don't be so hard with your money that you can;t treat when others are treating.
Money isn't everything. (At least until your out of your hole)
Moral of the story is,
Our lives are becoming consumed with irrelevance. Things we don't need to have.
Money is being thrown away and we barely see it just because we rely on impressions from others who in the long run won't really ever be there again.
But that isn't 100% truth. Some people will stick around for more goodies ;).
So start revving up your checking accounts with your savings.
Stop using the credit card unless you know you can pay the entire balance off within 2 weeks.
Think about the money you'll save on not relying on the charge.
It's killing everyone's pockets.
The ones who have your money, lost it in Vegas.
And that's Real Talk.
Wednesday, November 18, 2009
Getting Paid
Worth.
What do we consider it.
We each have our own values. Whether it's family, friend, money, or living-oriented we all have set or predetermined values.
Did you ever think about self worth?
How much are you worth?
Many people encountered have always said the same thing.
"I gotta get paid."
Well, how do you suppose we as humans challenge ourselves, especially when we are inexperienced in our fields, even if it's a self owned business.
You might tend to overprice and under-price your skills.
When can we ever get the doe correct?
In this day and age, if you haven't noticed, gas has gone extremely high, while morale has gotten low.
You want to make that extra $5, because it's worth every penny in the 500 count. May not be a lot to some, but more than enough to others.
How do we determine value in oneself?
The recession has taken a huge toll on everyone. Cellphone bills, car payments, groceries, and what's coming up soon? The holidays. Presents for everyone, or will there be?
To get your math correct, you pretty much have to play the guessing game. You become the car salesman in a sense.
You start with one price, and then you adjust to get the sale. This happens in almost every aspect of life. Until you become the head honcho where you can afford to name any price and it is a global price, you might have to sacrifice a little bit at first.
I want the money now!
Sorry, it doesn't work that way.
When you're starting up your newest idea for a business, be in mind that no one has ever even heard of you. Those who have are your first customers.
If your price is 30 an hour or 15 an hour, be in mind you can get away with 20-25 easily. $30 an hour though, is too high if you already know you yourself wouldn't pay the price. Also, lowering your standards to where your not completely dissatisfied might achieve long term business. This is much better than the $30 an hour here and there. Now we're up to 20-25 consistently.
Long term outweighs short-term.
Be mindful of your talents, however. If you demand 30 and you feel the value itself is 35. I think we can manager saying no to a few people. Don;t get too caught up in the sale, it could be bad for business later on.
The hungrier you are, the less ego-centric you become.
Remember, a penny saved is a penny earned.
Don't let pride get in the way of a down the road opportunity.
But don't let yourself become a victim of short change.
Remember, quality brings quantity and so you don't have to settle for less, when the market is in your reach for a gain somewhere down the line.
Freebies.
There is nothing wrong with freebies. Freebies will get your portfolio out there quickly and efficiently. However, remember the rules of a dog. If you feed it enough times, it'll keep coming back for more without any thought of a different story. Feed me, feed me.
In this case, over-time short changing is most definitely in effect.
After say five projects, it is safe to assume that you don;t have to charge full price. Half of the normal value is even a little over-doing it for anyone who's helped you become successful. (Assuming a huge thank you and steak dinner was provided)
Charge 1/3 the price after a while. They will appreciate it, and you will appreciate yourself for not being a rag on the stool used for wiping down tables.
Be strong in your place.
Your not the bad person if the times are hard enough to ask for pennies.
Freebies are more than OK when business is booming.
If they're not, don't be afraid to ask for even a few dollars.
Your broke, not a joke.
If you have no business, this is where you drop your guard completely. You have no room for basing anything on anything. This period in the stage of becoming successful is not as long in the time period as you think. Things will change, and the past will be exactly what it is.
Be fair, don't get played out, and most importantly have faith in your ability. Things will work out.
And that's Real.
What do we consider it.
We each have our own values. Whether it's family, friend, money, or living-oriented we all have set or predetermined values.
Did you ever think about self worth?
How much are you worth?
Many people encountered have always said the same thing.
"I gotta get paid."
Well, how do you suppose we as humans challenge ourselves, especially when we are inexperienced in our fields, even if it's a self owned business.
You might tend to overprice and under-price your skills.
When can we ever get the doe correct?
In this day and age, if you haven't noticed, gas has gone extremely high, while morale has gotten low.
You want to make that extra $5, because it's worth every penny in the 500 count. May not be a lot to some, but more than enough to others.
How do we determine value in oneself?
The recession has taken a huge toll on everyone. Cellphone bills, car payments, groceries, and what's coming up soon? The holidays. Presents for everyone, or will there be?
To get your math correct, you pretty much have to play the guessing game. You become the car salesman in a sense.
You start with one price, and then you adjust to get the sale. This happens in almost every aspect of life. Until you become the head honcho where you can afford to name any price and it is a global price, you might have to sacrifice a little bit at first.
I want the money now!
Sorry, it doesn't work that way.
When you're starting up your newest idea for a business, be in mind that no one has ever even heard of you. Those who have are your first customers.
If your price is 30 an hour or 15 an hour, be in mind you can get away with 20-25 easily. $30 an hour though, is too high if you already know you yourself wouldn't pay the price. Also, lowering your standards to where your not completely dissatisfied might achieve long term business. This is much better than the $30 an hour here and there. Now we're up to 20-25 consistently.
Long term outweighs short-term.
Be mindful of your talents, however. If you demand 30 and you feel the value itself is 35. I think we can manager saying no to a few people. Don;t get too caught up in the sale, it could be bad for business later on.
The hungrier you are, the less ego-centric you become.
Remember, a penny saved is a penny earned.
Don't let pride get in the way of a down the road opportunity.
But don't let yourself become a victim of short change.
Remember, quality brings quantity and so you don't have to settle for less, when the market is in your reach for a gain somewhere down the line.
Freebies.
There is nothing wrong with freebies. Freebies will get your portfolio out there quickly and efficiently. However, remember the rules of a dog. If you feed it enough times, it'll keep coming back for more without any thought of a different story. Feed me, feed me.
In this case, over-time short changing is most definitely in effect.
After say five projects, it is safe to assume that you don;t have to charge full price. Half of the normal value is even a little over-doing it for anyone who's helped you become successful. (Assuming a huge thank you and steak dinner was provided)
Charge 1/3 the price after a while. They will appreciate it, and you will appreciate yourself for not being a rag on the stool used for wiping down tables.
Be strong in your place.
Your not the bad person if the times are hard enough to ask for pennies.
Freebies are more than OK when business is booming.
If they're not, don't be afraid to ask for even a few dollars.
Your broke, not a joke.
If you have no business, this is where you drop your guard completely. You have no room for basing anything on anything. This period in the stage of becoming successful is not as long in the time period as you think. Things will change, and the past will be exactly what it is.
Be fair, don't get played out, and most importantly have faith in your ability. Things will work out.
And that's Real.
Monday, October 19, 2009
Living life on Crutches...
Too many times you can say to yourself,
I need to be my own person. I need to have my own things.
Positive and Negatives can play major roles, but the negatives always have their good as well as good has its bad.
Where do we start?
Let's think about the positives of being on your own.
1. You can do anything shamelessly and not get hassled. (Unless you live with someone.)
2. People respecting your own rules when in your home.
3. Bathroom is yours. (Many of us need this for whatever reason.)
Negatives:
1. Massive bills (CRAZY.)
2. No one cooking you breakfast. (Sorry mom.)
3. Longer time waiting for another big purchase. (Someday...Flat Screen HDTV.)
These might seem pointless but the next time you decide to do things your way and not the way people think you should go, be ready to prove your self more to your checking account then your so called "judgmental crew." The toll will wiegh heavier here than any type of opinion you feel you need approval.
Staying at home at any age for a little time is smart. You want to worry about getting laughed at or judged wrong? Mind yourself, the others will have their turn if they want to laugh now.
Save up your money. Whether you want to pursue a career in music (TONS OF EXPENSIVE EQUIPMENT), art (Books, Programs, Supplies, etc.), or even go back to school; it all takes a lot of sacrificing.
Nothing is wrong with wanting to better yourself if the intentions are for your own sanity. No one else will walk you through your life unless there's incentive for them to hold you.
Live smart. Pay the price. Get it right.
And that's Real Talk.
I need to be my own person. I need to have my own things.
Positive and Negatives can play major roles, but the negatives always have their good as well as good has its bad.
Where do we start?
Let's think about the positives of being on your own.
1. You can do anything shamelessly and not get hassled. (Unless you live with someone.)
2. People respecting your own rules when in your home.
3. Bathroom is yours. (Many of us need this for whatever reason.)
Negatives:
1. Massive bills (CRAZY.)
2. No one cooking you breakfast. (Sorry mom.)
3. Longer time waiting for another big purchase. (Someday...Flat Screen HDTV.)
These might seem pointless but the next time you decide to do things your way and not the way people think you should go, be ready to prove your self more to your checking account then your so called "judgmental crew." The toll will wiegh heavier here than any type of opinion you feel you need approval.
Staying at home at any age for a little time is smart. You want to worry about getting laughed at or judged wrong? Mind yourself, the others will have their turn if they want to laugh now.
Save up your money. Whether you want to pursue a career in music (TONS OF EXPENSIVE EQUIPMENT), art (Books, Programs, Supplies, etc.), or even go back to school; it all takes a lot of sacrificing.
Nothing is wrong with wanting to better yourself if the intentions are for your own sanity. No one else will walk you through your life unless there's incentive for them to hold you.
Live smart. Pay the price. Get it right.
And that's Real Talk.
Sunday, September 27, 2009
How Sick Are We?
In a world of truth and diversity, the story of each character is more realistic than you could ever imagine or believe. This idea is tampered with when greed and corruption begin to take hold of what is available. Another way to look at this is obsession. Obsession can kill a person, by health and mind. When your judgment is based on a want more than a need, it becomes hard to recognize which is more important. Self-relief becomes a priority over self-improvement. Don't be fooled as to what self-improvement really is. Recall the past or your prior experience, and proceed with caution.
How does this affect us The People?
Believe it or not it does. Think about the worst salesman you have ever met. Not only is he a liar, but he wants to give you in most cases, a smaller or used portion of the product. You get a used car that looks great, smells amazing, and then you finally sit in it a day in and already noticing every small detail. Like a gash in the seat...between your legs. Not crazy yet. Until your neat freak side, if you have one, switches into engage.
Processed Food.
Think about the food we eat today. Most of the stuff is preserved with chemicals and even bleached with the same stuff we clean our laundry with. More true than you believe (some "Natural" products are fraud). In any event, all of this information can be easily looked up all over the internet. What you eat and your habits are your gateway from living stress, toxin-free and overly-stressed, toxic.
Smoking and Drinking.
Stress-relievers, but if over-used, might take away any days left to enjoy and then some.
Notice, the best time for smoking is after you've consumed the drink and need to shake off the buzz. Well, at least calm it down. Personally, no matter how many times you can reach over to grab a cigarette, it tastes horrible and leaves the headache you thought you might get rid of. Not happening. Drinking is great when going out or attending a party. Everyone needs to get loose. But the two of these, when not doing anything at all, would be just like killing time. There is so much more in life you can be doing. Conquering fears, proving yourself worthy of things you want, without putting your life in the red. These two habits are also very very expensive. Think of all the other things you can be doing with your money. Saving, donating, retiring. One way or another you should be able to enjoy the habits you do have, but do not let a habit become a routine. Habits at one point were once in a while stress relievers and for the time being happy enhancers, but that only lasts for so long before the last straw on the camels back causes it collapse. Relief has it's price. This is one thing you DON'T want to afford. Rich or poor.
Budgeting is great. When you spend more time with the family, significant other, friends, or even at our workplace keeping busy or having fun without spending 1/4 of your ends. Budgeting helps you achieve personal goals you've always wanted to set for yourself without giving you a nasty overhead or a nasty fly on your back wanting to suck your life away with payments. Save up what you can afford to save. Exclude your long term savings.
Vacations.
Even if your not the type to go out to parties, beaches, or anywhere that you cannot stand too much of noise or people. These are great. No matter where you go, no one knows you, so if you happen to find a nice beach to read your books, not saying to be nasty to anyone, but stand your space and declare some. Especially if there's plenty of beach to go around. A nice mood-setting drink might be in order too. I'll take a corona and lime. The ice cream, too.
Am I telling you to stop your comfortable lives? Not at all.
What I do suggest is home-cooked meals, sports/games for the family, outings/barbecues, and positive out-looking for a self-dependent life. Be in charge of your own routine. Live how you want, but take care of yourself. That car can only go so many miles without maintenance.
The road that lies ahead is a lot bumpier than meets the eye; but when you train yourself to drive properly and safely, the odds of an accident or surprise is dramatically low.
And that's Real Talk.
How does this affect us The People?
Believe it or not it does. Think about the worst salesman you have ever met. Not only is he a liar, but he wants to give you in most cases, a smaller or used portion of the product. You get a used car that looks great, smells amazing, and then you finally sit in it a day in and already noticing every small detail. Like a gash in the seat...between your legs. Not crazy yet. Until your neat freak side, if you have one, switches into engage.
Processed Food.
Think about the food we eat today. Most of the stuff is preserved with chemicals and even bleached with the same stuff we clean our laundry with. More true than you believe (some "Natural" products are fraud). In any event, all of this information can be easily looked up all over the internet. What you eat and your habits are your gateway from living stress, toxin-free and overly-stressed, toxic.
Smoking and Drinking.
Stress-relievers, but if over-used, might take away any days left to enjoy and then some.
Notice, the best time for smoking is after you've consumed the drink and need to shake off the buzz. Well, at least calm it down. Personally, no matter how many times you can reach over to grab a cigarette, it tastes horrible and leaves the headache you thought you might get rid of. Not happening. Drinking is great when going out or attending a party. Everyone needs to get loose. But the two of these, when not doing anything at all, would be just like killing time. There is so much more in life you can be doing. Conquering fears, proving yourself worthy of things you want, without putting your life in the red. These two habits are also very very expensive. Think of all the other things you can be doing with your money. Saving, donating, retiring. One way or another you should be able to enjoy the habits you do have, but do not let a habit become a routine. Habits at one point were once in a while stress relievers and for the time being happy enhancers, but that only lasts for so long before the last straw on the camels back causes it collapse. Relief has it's price. This is one thing you DON'T want to afford. Rich or poor.
Budgeting is great. When you spend more time with the family, significant other, friends, or even at our workplace keeping busy or having fun without spending 1/4 of your ends. Budgeting helps you achieve personal goals you've always wanted to set for yourself without giving you a nasty overhead or a nasty fly on your back wanting to suck your life away with payments. Save up what you can afford to save. Exclude your long term savings.
Vacations.
Even if your not the type to go out to parties, beaches, or anywhere that you cannot stand too much of noise or people. These are great. No matter where you go, no one knows you, so if you happen to find a nice beach to read your books, not saying to be nasty to anyone, but stand your space and declare some. Especially if there's plenty of beach to go around. A nice mood-setting drink might be in order too. I'll take a corona and lime. The ice cream, too.
Am I telling you to stop your comfortable lives? Not at all.
What I do suggest is home-cooked meals, sports/games for the family, outings/barbecues, and positive out-looking for a self-dependent life. Be in charge of your own routine. Live how you want, but take care of yourself. That car can only go so many miles without maintenance.
The road that lies ahead is a lot bumpier than meets the eye; but when you train yourself to drive properly and safely, the odds of an accident or surprise is dramatically low.
And that's Real Talk.
Monday, September 7, 2009
These awkward days...
For most of us, the stress is piling up and we have nowhere to turn to but our peers, family, and significant others to let out the rage.
I say this to you all out there to keep faith no matter where it lies. We all have something in us that says keep going, don't give up.
What happens when the other voice starts to agree with your poor attitude? Then what? We can hide in a grave for a few years if we'd like to. I personally don't think that's worth a shot. We could sit and discuss with ourselves and whoever is of importance to your decision-making to organize your priorities. Organize your budget and your activities. Getting a better attitude starts from within, and sometimes ice cream or chocolate. But seriously, organization will keep you off your slump, and into a new idea. The voices will have less time to discuss anything. Just be sure to always keep the sane and responsible voice abroad.
A better attitude is the key to any success. Whether you've lost money, job, or someone close. The positive outlook will cure all of these foul-mood pioneers. Starting a new hobby or a new dvd might start it up. No one said to stop doing what you like doing: shopping for new toys, play guitar, etc..
Whatever your choice is, make it positive. And certainly make it last.
I say this to you all out there to keep faith no matter where it lies. We all have something in us that says keep going, don't give up.
What happens when the other voice starts to agree with your poor attitude? Then what? We can hide in a grave for a few years if we'd like to. I personally don't think that's worth a shot. We could sit and discuss with ourselves and whoever is of importance to your decision-making to organize your priorities. Organize your budget and your activities. Getting a better attitude starts from within, and sometimes ice cream or chocolate. But seriously, organization will keep you off your slump, and into a new idea. The voices will have less time to discuss anything. Just be sure to always keep the sane and responsible voice abroad.
A better attitude is the key to any success. Whether you've lost money, job, or someone close. The positive outlook will cure all of these foul-mood pioneers. Starting a new hobby or a new dvd might start it up. No one said to stop doing what you like doing: shopping for new toys, play guitar, etc..
Whatever your choice is, make it positive. And certainly make it last.
Subscribe to:
Posts (Atom)
