I drive through one of the most run-down parts of Tucson almost every day. The obvious poverty is staggering. I pray for churches and the Christians who attend them to stand up and show grace and love to those in our city who desperately need it. It’s part of the reason why I donate to MAN Tucson. There’s a delicate balance to maintain there though, because there are a lot of people who, choice by choice, day after day, have decided that living broke is all they have. Showing them too much grace is enabling them. No one should be comfortable with poverty, especially those who have the ability to pull themselves free.
Pixar Studios. Just for The Incredibles alone, I would name them one of the top movie-makers of all time. So, when some of the best story-tellers make a list of their rules for writing stories? You sit up and listen. All of them are great, but I’m especially inspired by numbers 2, 7, 11 and 15. Which ones are your favorites?
Look, I’m all for exploring and developing alternative and cleaner forms of energy. Really, I am. Still, doesn’t this take the whole idea just a touch too far? Would you want to carry that battery around in your pocket? Brings a whole new meaning to the words “Energy Drink.”
We’ve been coordinating another session of FPU this Summer. Our next lesson will be Dave Ramsey’s famous Dumping Debt lesson, which includes a thorough explanation of what “Gazelle Intensity” means, what a debt snowball looks like, and the busting of several debt myths. One of my favorite debt myths to bust is the need for a good credit score. Your credit score has nothing to do with how financially successful you are. It’s only about your relationship with your debts. And debt is a product being sold, it’s not something anyone needs.
I’ve had the opportunity recently to work with someone who has the particularly nasty habit of talking over his coworkers. It’s lead those who have to regularly deal with him to communicate around him, and not to him. They only tolerate him. And when his back is turned, eyes roll and actual plans are made. He thinks everything is fine, because he’s mistaking silent acquiescence for agreement. They’re not the same thing, and confusing them will be your undoing. Whether we’re at work, out with friends, or at home with our families, we need to be listening more than we speak, and promoting communication.
I love three things about this blog post. 1) It’s a camp out cooking recipe. Everything tastes better when prepared over an open flame. II) The finished product looks really yummy and unique. C) He allowed his niece to have the experience of using a sharp knife to cut the oranges in half. That is excellent. Giving a child the opportunity to take responsibility and understand the risks involved while being properly supervised is a great way for them to have the chance to grow up to be adults who take responsibility and manage risks well.
I’ve been trying to figure out where I should stick our Emergency Fund to get a little bit better return. I know it isn’t supposed to be an investment, but it is a sizable chuck of change, and I don’t want it to sit an languish at the lowest interest rate possible while we wait for the next crisis. Maybe an online bank is a possibility. Their interest rates tend to be higher, they’re FDIC insured, and you don’t sacrifice accessibility…but my inner Luddite is having trouble with a bank that you can’t physically walk into. Am I being foolish?
The trend towards food labeled “organic” is interesting, especially if you actually take time to learn anything about what “organic” means. For example, when a food is labeled “organic,” it doesn’t mean that it hasn’t been treated with pesticides. In fact, it doesn’t even mean that it’s been treated with less pesticides than non-“organic” food, or even less toxic pesticides than non-“organic” food. The truth is, an “organic” label has nothing to do with being healthy, it just means that the grower jumped through all the hoops that are required to be certified as “organic” by the governing bureaucracies, which doesn’t always result in what you’re thinking when you read “organic.” So, maybe you want to research and rethink your decision. You can eat organic (AKA ‘carbon-based’) food without paying the “organic” (AKA ‘bulls**t-based’) prices.
It takes time, when you’ve first hit the point of being broke, to realize that you can’t keep doing the things you’ve always been doing. You go through much the same process as the five stages of grief. That opening stage of denial can be difficult to overcome, because the bad habits that got you into trouble are so hard to break. People think they only need to change one little thing, and all of their troubles will evaporate. That’s why it’s so important for me to make sure that the person who is asking me for financial coaching is actually open to being coached. I don’t want to be fighting their excuses every time we come together to have them try something new. What got you broke won’t get you free, you’ll have to change.
This is a great post covering the finer points of a money management pamphlet that was written in 1939. This was written before there were credit cards. And before the FICO score ruled over everything. And that was less than one hundred years ago. Now, the average American family has a negative net worth. Maybe we need to humbly go to our ancestors and ask for their advice?
50 years of exploring near space, and we’ve barely just scratched the surface. I love that we’ve started reaching out further using unmanned missions, but I hope that we return to the moon in my lifetime.