April 17, 2014
So, a friend or loved one does something you strongly disapprove of. Perhaps they lie to or cheat on you. You could decide that they have hurt you enough and you no longer want them to be around. But, you do still love the person and want them to be a part of your life.
So even though they wronged you, you decide not to break off the relationship. Instead you decide that you are going to get back at them by making life uncomfortable for them. Each time you see them or spend time with them you remind them that you are still angry or upset. You hold back favors or nice things that you would normally do for them. There. That will show them. Right?
Well, maybe. But probably not. I mean yeah, there’s that feeling of righteous vindication that you may get from punishing someone that has done something wrong to you. How long does that really last though, only a few seconds right? And then afterwards where does that leave you with your loved one?
And how does holding a grudge hurt you? Click here to read on and see.
April 17, 2014
Over the last few months, I have actually been able to list all of our monthly bills, which are current monthly expenses, which are revolving credit and which are old debt. Where possible I have been getting rid of the old debt so that our overall monthly expenses go down and more money is available each month to make even more payments with.
Currently we are at the point where less than half of the money that comes in each month goes to current bills. More than half is going to old debt. The reason that I say I can see the light at the end of the tunnel is because, in the next twelve to eighteen months, all the debt that I am aware of will be gone. Then every month afterwards the extra free money, really will be free money.
After that, the plan is to get copies of credit reports, one more time, and this time eliminate every bill on them. And then…
The serious work of planning our financial future can really begin. The idea here is to take the amount needed for our monthly bills off the top, open six new bank accounts and begin splitting the left over money each month into those accounts. The accounts needed will be vacation, savings, investing, charity, blow, maintenance.
What goes into each of these accounts? Click here to read on and find out.
April 17, 2014
It has taken a long time to get here but I can finally see the light at the end of the tunnel. What am I talking about? Well,of course, that’s a bit of a story.
When our group first came together, our vision included all living together for a few years, so that we would be able to pool our finances to pay off all our debt and eventually be able to buy homes for each of us.The key part there was getting rid of our debt and having a financial plan for success. For various reasons that turned out to be a whole lot more difficult to do than it was to say.
Our initial plan was to get the best mortgage we could possibly get with our credit ratings and to start paying off debt as quickly as possible. Due to the number of people we had, a five bedroom house was the smallest size house that could reasonably accommodate us. Because of bad credit and or bad work history, the best mortgage we could get was still a terrible mortgage. We had a first and second mortgage. The first mortgage was a variable rate forty year mortgage that started at 8% and the second was a thirty year at over 10% . The plan was to make our payments on time and after two years consolidate the two terrible mortgages into one better hopefully around 4%. The idea was to work things in such a way that we would all live in the same house for seven years. During that time we would pay off all our debt and start saving money to buy more houses.
That was the plan. But what actually happened? Click here to read on and see.
April 17, 2014
As part of my desire to make the world a better place I enjoy spending time finding others that are committed to the same things that I am. I love hearing and in some cases seeing their stories. Being able to imagine and sometimes actually see the impact that they have on others is pretty amazing.
Awhile back a friend sent me a link to Upworthy.com which is a website that is full of tons and tons of inspirational videos. I lost a couple of hours today going from video to video, alternatively laughing, crying and simply awed at different points, due to the many different real life stories people shared.
This one video showed how even the most open minded and fair among us still tend to be racially and even sexually prejudiced and biased. There was a young white man next to a bicycle that had been locked to a post. This man was wearing a t-shirt and jeans and wearing his ball cap backwards. He had all these different tools like a saw, and bolt cutters and things of that nature. He was very obviously attempting to cut the lock.
What happened during the rest of this social experiment? Click here to read on and see.
April 15, 2014
It is early Saturday morning as I write this. On Tuesday my blog will be 1 year old. Looking back over the past year I have noticed a few things. A year is a long time and a lot has happened. The general structure of my day to day life is the same but a lot of the fine details are better.
About my writing specifically, I made a commitment to make one post a day. One would think with that commitment that would mean I would have at least 360 posts by now. And I would if it weren’t for a few hiccups along the way.
First and foremost I, like most people reading this, am human(I think). Sometimes I get so involved in enjoying life and living it that writing doesn’t occur to me until the day is through and I am getting ready for bed. On the days where that happens I do my best to make two posts the next day.
Read more on why I don’t end up with exactly one post per day by clicking here.
April 15, 2014
Today’s post is a little short, but includes two links for a longer overall read.
I want to share two inspiring stories I found while browsing the internet today. Both show the power of small kindnesses. Both had me in tears by the end. You can read the first here .
I found myself thinking as the author did, what if he had just honked once and driven off? Or if he had refused to help her to the car? Every day there are tons of opportunities for us to make a huge impact on the lives of others around us. And sometimes in our rush to get on with our day we don’t even see them.
He didn’t even know this old woman and she spent hours going all around the town with the cabbie reminiscing about her life and all the things that had happened and changed over the years. Because of his kindness she was able to have a few last precious moments to savor her experiences.
Before clicking here to read on, if you haven’t actually clicked the link above and read the first article please do. It is quite a powerful read.
April 14, 2014
I am of course talking about the human brain. We have yet to build a single machine that comes even close to the raw computing power of the human mind. We take in billions of bits of data every second and somehow manage to sort through what is relevant and what is not, without any conscious effort.
A lot of people think that they are too dumb for complex situations or that they have terrible memories. That really isn’t true though. What makes me say this?
Well, take for instance the complex math involved in crossing a busy street. If there are just one or two cars here and there it is easy to just say, well that car is far away. I should have plenty of time to make it across. But as that car gets closer and closer, there is a point where your mind tells you not to cross because you won’t make it in time. How do you really know this?
Click here to read on and find out.
April 14, 2014
But, it’s also a way for me to look back over time and see how I’ve changed and how my own personal growth is doing. Also, in the past, I have found that I have many of the same conversations over and over. What happens is, I spend hours of my time explaining a thing to someone that I know and then a few months later I meet someone new and have the same exact conversation. Now, when something like that comes up I can just say, I wrote something about that, a little while ago, let me get you a link to it.
And last but not least. Business. What I love doing is giving people the tools, the advice, the know how to make their own lives better. The feeling I get from that is such a massive high, but that by itself doesn’t pay the bills. I intend to make my living by making the lives of others better. So, towards that end I have spent a lot of time and energy looking for an online business that has many of the same goals that I do.
I spent so long looking that I almost gave up. But, about a year ago, I found this company, started by two ex-homeless guys, that really has heart. Their goal, like mine is world change. They want the world to be a better place and are putting their money where their mouth is. They care more about the improvements in your life than they do about whether or not they ever make a dollar and nearly every decision they make shows it. These guys and their goals synergize perfectly with my goals.
Who are these guys? Click here to read on and find out.
April 14, 2014
Hi. Welcome. You there in the back. Yes, you. Can you hear me okay? Do I need to speak up? Good let’s get started.
It has been said that in order to be as successful as we possibly can, it takes an awful lot of synergy. You probably know by now that I don’t like to just throw words at people. I like to define them, so that we can all be on the same page.
Synergy quite literally means working together. It is the combined efforts of people or things to create a larger whole than the individual parts. I like to think of the word as s for same and ynergy for energy. I think of it this way because you are using the same energy but getting more done.
We can’t afford to be working in multiple directions at once or we will never get anywhere. Doing things efficiently is applying synergy to your goal of getting things done. The most efficient way has the highest synergistic effect on your time. You create this synergy by arranging your errands in the proper order, so that the amount of energy you put out to get things done is the same or less and the time necessary to complete the tasks is less as well.
How is the concept of synergy related to this blog? Click here to read on and find out.