- Life Got Real Today A Money Reality Check Video
- Life Got Real Today A Money Reality Check
- Life Got Real Today A Money Reality Check Movie
Lesson 1: Week 4. Title Money and ‘Real-life’ Problems, Making Decisions and Checking Results. Learning Objective: recognise all coins and understand how much they are worth. Use decimal notation for money. Solve problems correctly. Explain how a problem was solved. Lesson 2: Week 4. To be honest, it's not just one thing that taught me money isn't everything. Living far away makes you realize value of family I stayed in Canada for 15 months. May 25, 2021 Well, you may be able to get a much larger line of credit with your home equity. Yes, credit cards can offer lines of credit up to $15,000, but HELOCs can offer up to $150,000. Obviously, your credit history, equity, and income all factor into how much you’ll receive. Unlike home equity loans, however, traditional HELOCs have variable.
Back in May 2013, it dawned on me that, crazy as it sounded in those more innocent times, the Establishment was gearing up to make transgenderism into the next big thing. Lately, my Spidey sense for zeitgeist trends has started tingling again, telling me that my old jokes about how the “equity” that the Diversity-Inclusion-Equity racket wants is your home equity aren’t funny anymore.
For example, the mainstream media is ramping up the antiquarianist articles about how ancient inequities in real estate practices mean that in 2021 it’s your fault that black neighborhoods have low property values and, therefore, you must pay. Redlining, which was abolished 53 years ago in 1968, is the usual suspect, but the latest fad is to emphasize racial covenants in home deeds, which the Supreme Court ruled unenforceable in 1948.
That was 73 years ago, but who’s counting?
For example, the Murdoch-owned Wall Street Journal splashed a long article on May 1 entitled:
Restrictive property covenants once helped keep people of color out of neighborhoods around America. The effects have compounded.
The WSJ propounds:
A trove of new research suggests that one factor is a tool of discrimination from 100 years ago: racially restrictive covenants that were attached to thousands of Minneapolis homes in the early 20th century, prohibiting sales to many minorities.
As I pointed out a few weeks ago, it’s human nature to imagine you deserve to be rich because, knowing what you know today, your great-grandparents should have bought the magic dirt that was cheap then and is valuable now (even though you or your more immediate ancestors probably would have frittered it away in the intervening decades before it turned into pay dirt).
It’s particularly likely that blacks, who on average spend more on conspicuous consumption relative to their incomes than other races, would have blown through potentially valuable property inheritances before they fully matured.
Moreover, there is the Heisenbergian factor: If a lot of blacks had moved into the neighborhood, it wouldn’t have gone up in value as much. The fundamental reason that homes don’t appreciate as fast in blacker neighborhoods is not their tragic dirt, but because blacks tend to be lousier neighbors. Fortunately, there is an obvious win-win solution: If blacks want to make more money off home ownership, they should work harder at being better neighbors.
Unfortunately, nobody is supposed to mention any such bracing realities to African-Americans. It is widely assumed that blacks can’t handle the truth. Instead, everybody is supposed to reassure them of how oppressed they are.Not surprisingly, black behavior, as measured by objective standards such as their murder rate relative to other races, hasn’t much improved, and indeed blacks’ already horrific murder rate worsened sharply as soon as the racial reckoning was declared last year.
In any case, the WSJ article about Minneapolis is self-evidently absurd. Why? Because there were almost no blacks living in Minneapolis during the covenant era. The Wikipedia article “Demographics of Minneapolis” notes:
From the 19th century until about 1950, Minneapolis hovered around 99.0% white.
The further we get into the future from the civil rights era of the 1960s, the more we are lectured about the increasingly distant past. How come?
One reason is because, the fewer who can remember them, the easier it is to mislead contemporary Americans about the Bad Old Days. For example, with Minneapolis constantly in the news for its black riots, it’s getting harder to recall that Minneapolis was once perhaps the most orderly big-league city. In 1973, Time
magazine ran a cover story on the “Good Life in Minnesota” about how it was “the state that works.”March 29, 2020 1030 ish, Question of the tomorrow: What are some ideas for the questions of tomorrow moving forward?
March 30, 2020, 0852 AM, I chose not to journal on last night’s question. A reality check made me have a need to release this morning and you are about to see why.
I wasn’t able to get right down and start journaling this morning. I go to work and immediately was hit with and issue that needed attention right away. That is not unusual, especially on a Monday.
The difference this time is that it wasn’t directly related to HVAC work in the building or another general building issue. It was something to do with me and my ability to keep working at the place I am working.
*Boom* Reality check! I can’t believe all the negative things that went through my mind all at once. Quite frankly they still are. I am trying to force my thought process to a positive influence, not very easy right now.
Step back a minute. This has overtaken my need to journal about a question I had last night. Quite frankly, I didn’t like my topic anyways. I have been having trouble as of late coming up with the questions. I think I am too worried about what gets put out to the public, subconsciously worried that is because this is a big step for me. I am usually pretty private.
So, my need right now is to pivot with my topic so that I can set this reality check to it’s the proper place. I can hopefully learn from it. Grow from it and possibly come out a better person because of this so-called reality check.
Let us dive into this reality check a little more to help me understand it and move forward with a better mindset
Instantly my mind started racing about what am I going to do if I cannot work here. I’ve had myself fooled that I could find a job in an instant if something happened. After all, I am a seasoned tech in the senior part of his career. Surely I would be of use somewhere and normally that is true.
The reality check popped up one huge looming issue. There is a pandemic going on right now! COVID 19! Stuff is closing down and I am lucky to be able to be in a place that has semi-controlled safety measures in place and can still work for a paycheck on a daily basis, in a pretty safe environment.
F*ck!
I have been pursuing FI (financial independence) lately. The very early stages to say the least. It is pretty new to me still. As I have written before, I was pretty financially stupid and I can see that now. Admitting it is half the battle, right?
I can instantly see that I need to do better and do it quicker to feel safe. I like to be prepared and I have been struggling with that since my divorce four years ago. I also say that was a reality check in a big way and I have become a better person because of that hardship and life lessons that I got from it.
The lessons learned from the divorce reality check
I am one who will try to step aside from myself and look at the whole picture. I don’t know why, but I have always tried to assess bad situations that involve me and see if it was my fault or mistakes that caused whatever the problem at hand. It just may take a day or two until I calm down enough to do it, depending on the issue and if there was hurt and anger involved.
I have a very analytical mind and I like to find answers to things. Yes, even if the answer is something I don’t like. I do my best anyways. So a reality check causes me to go into self-diagnosis mode. It doesn’t mean I always take action on what I learn though, enter the procrastination I write about often.
Like this: Reality check happens > I start thinking, “what DID I do to cause this or to deserve this?” Actually, I should be thinking: “What CAN I do to make this better or fix this issue so it never happens again?”
Rewording a question can often change the connotation of that question
Often times just rewording the way you question yourself can set your mind up to work for you not against you. I have just recently learned this and it is wonderful.
I have met several others in the world that could use this process. No judgment, just facts. I guess I always kind of knew this but I didn’t KNOW this or practice it regularly. If there is someone that likes to b*tch it’s this guy typing right now. Also working on that issue to…slow process, Lol.
So with the divorce, I probably went through all the typical same things everyone does when they don’t expect it or see it coming. Things like blaming myself, asking what I could have done differently? Asking myself what I did to cause this? Or why didn’t I change something or myself earlier to prevent this?
Pfft! That is a load of negative mindset sh*t! I learned that, but it took me being by myself for a long time and learning who I am and knowing that I was not happy in my past relationship.
Man does that make a big ol’ difference in your life and self-image. When you stop worrying so much what others think about you.when you do something you like or stop doing something that THEY liked about you because you don’t like it. Freeing! Very freeing. You might lose some friends or they won’t be as close, but not a big deal. Life moves on.
Learning to like myself…
for who I am and learning to like being with myself, by myself has helped me tremendously. I need that time with myself now. I am pretty much not worried about what my likes or dislikes do to others’ opinions of me.
Of course, there are a few special people that this matters to me, I am not talking about being mean about it though. I do care. I am just not worried. It makes sense to me.
I can’t really figure out how to make it translate into writing. I am talking just about interests that others may think are weird, but who cares. I still work on this issue but I am way better and I try just to be myself. Trying to be “real” as they say.
Being “real” allows you to attract people to you that can make a huge difference in your happiness and well being. In other words, the right people for you.
It is refreshing being able to be yourself. I am getting better at that. Of course, I am like everyone else and have a bit of worry about fitting in whether going here or doing this and that and the other thing. You know. I can get over it.
Essentially, “they” say be yourself and the right people will be attracted to you. I hope that’s true, so far it has worked out fantastic for my love life.
Back to the reality check of the day and “f*ck you money”
Today’s journaling is helping me work through this issue now. The biggest issue I am facing is, I shouldn’t be in a spot where one instant job loss causes me so much stress. I need what they call “f*ck you money”.
“Fuck you money” is a term used in the FI community. It essentially stands for an amount of money in one’s possession that enables them the freedom of walking away from situations not wanted. For instance, at work or a job that is not appreciated or liked.
Example: Boss says, “Hey you, go scrub that disgusting toilet.” The problem is you are an accountant and that’s not your job but your boss says you are getting paid, so do it anyway. If you had “fuck you money” you could tell him….bye. Lol, or the other words that probably came to mind.
Basically, the situation that happened today. The aforementioned reality check is in the process of getting cleared up right now as I write this. I still feel like it was an important lesson for me. Now I need to learn from it, get an emergency plan in place and track that plan, along with a “fuck you money” account.
Life Got Real Today A Money Reality Check Video
I am sure I will write on this more later. This goes back to my posts on planning and having a tracking plan. All the stuff I am learning on the fly and haven’t implemented yet. Bear with me, it’s coming. I am a masterpiece in the very early stages of the work, Lol. As we all are.
I need to take action on SOME of the stuff I learn and write about. Not all of it, especially not all at once. This blog is just a peek into my thoughts and wonderments. I hope you remember that it is a way for me to work through my thoughts. Period.
The following JL Collins video is for your entertainment and follows right along on topic. Warning, curse words all throughout this video, do not watch if offended by strong language.
Lol, good stuff! Pretty good advice too.
Now for a serious interview from JL Collins on The Mad FIentist podcast.
Have a blessed day, look out for your neighbors through these trying times. Wash your damn hands!
Life Got Real Today A Money Reality Check
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Life Got Real Today A Money Reality Check Movie
JL Collins Blog Post “Why you need F-you money” >HERE