Tag Archives: American Debt

13.6 Precent of Americans have -$38k Networth

Social Media Influences YOU to Live Beyond Your Means

AMERICA, USA–When scrolling social media you will notice people you don’t care about trying to impress you with their contrived best, the most filtered and most beautiful parts of their lives as they depict them.

Now more than ever is the time to realize that the tool that is social media is the ultimate consumerism, the ultimate peer pressure, to convince you there are no flaws or fault in spending beyond your means. Wrong!

Millions upon millions try to get their perfected portraits up too, using credit cards and buying trips and coffee beverages they cannot afford in order to finance their image, to compete in a made-up game, to impress others doing the same thing.

The time is now to live within your means and without social media. Move beyond the unrealistic and the unattainable and step into a reality of improving your personal finance and your real life relationships.

Build your beach house.

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TS_

I washed my car yesterday in 40 degree Minnesota cold and then I ate some Ramen Noodles, it cost me nothing and saved me a lot more

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Even notice how a boat with a few holes in it sinks over time and it becomes more worrisome the farther you are from land? I do. Now place this image of a boat sinking on your financial situation. You lose a dollar here, ten over there, $2.50 on that one thing; the boat is your bank account. That boat is sinking slowly and you are out to see, sharks, such as creditors, banks, and lenders are following in the murky deep. We almost sank again, but this time I told my wife instead of paying for a car wash I would do it myself. Watch.

Yesterday day came and went with a car wash in the 40 degree Fahrenheit warm of St Paul, Minnesota. I think people looked at me as though I were crazy, carrying buckets from my basement to splash and lather a car I cannot afford on a side street. Yeah, I feel pretty dumb leasing it, though the lease is up in less than 20 months and we will be on to something new. The whole time I polished this machine I thought of how stupid it made me feel, to live beyond my means. People watched that spectacle, another Subaru driver waved, my neighbor sold a beater and asked me how my day was. Great! Beautiful day!

And that is why I eat Maruchan ramen noodles and rice. (With a price tag of under $5 for a number of meals I can consider myself winning.) SO, imagine now your boat sinking, money floating away, those sharks behind, empty fridge at home, wife wondering what is going to happen, and then $10 is about to go away for a car wash that leaves you wanting better. Yeah, and that car is parked in the garage losing value, begging for insurance to be paid–the expensive kind. I can get a bit cold and wet outside on such a nice day, save us money, buy us time. My debt snowball is about to be rolling, debt avalanche.

After all this, I learned something. If you can’t get creative and do it yourself, it ain’t worth doing. And if your food restrictions do not work with your frugality or goals towards financial fitness, you may need to think about your goals. Because, how I see it, you can either be gluten free or debt free, I know the gluten is asking me to buy their beach house on credit, but that’s just my opinion.  That beach house is where those debt institutions are watching your boat sink slowly from afar, thinking about monetizing your financial death on YouTube (which is another story), so they can earn more.

Think and Save; How to Never Buy Textbooks Again.

Obviously this getting textbooks at the library thing isn’t some sort of secret raved-about genius way to save money on required course texts, but in some ways it is.

Let me express my sheer love for getting textbooks and other resources, digital and print, through the library systems briefly, so you can think about how you might do the same—and save money, save time, and save face.

When I started out as a CLA transfer student at the University of Minnesota, I had no idea how the library worked. I didn’t understand the importance of this resource—I had an idea, but it was vague, and that’s an understatement.

After being a student lead worker at St. Paul campus university libraries for 2 years, I have come to realize and utilize the advantages of the libraries (their branches), and the incentives that their lending service affords.

Perhaps you think: I can’t find a title, I won’t be able to get the required course materials, or I searched and that edition or exact title is not available.

Sure, you did one really impressive search (by your standards)… Well, try again. Remember: If you think you can, I know you will.

Maybe the library search engine you were perusing didn’t have it on the first try, or the first page; however, other catalogs may possess what you wish to attain.

Have your first try here: www.lib.umn.edu

A first try is good if you like not getting useful results, though a first try is a good start to something great…

So, try again.

Are you going to give up after one try and spend your hard-borrowed student loan money on things you don’t really care about/need, or are you going to search for 5 more minutes and find what you want for free?

It’s really all about your level of persistence, your level of creativity, and what you will do to attain what you desire: how bad do you want to be frugal and save? Use that thing inside your head, be like a thoughtful individual.

This year my level of wanting to save and be thrifty was high, so I found all of my books through inter-library loans, or other services provided by the library, and it took less than 10 minutes. This process took less time than it takes to send an email, or scroll through Instagram.

Last year my level was not so high. Last year I spent all sorts of what would have been beer or fun money on overpriced books which I did not read, and then at the end of the semester I sold them back at less than half price. I was lazy anyway. But, what a fucking racket. To my utter disdain I regret the decision to buy at the campus bookstore.

Mid-semester I did a quick search and found most of my textbooks here:
http://uborrow.relaisd2d.com/login.html

U Borrow is my favorite resource for any book, always. You can get new books, old books, rare books, from some great universities throughout the United States. The best part is they get delivered to whichever library you choose to pick them up at.

Everyone talks about half.com, or amazon.com, or other places where a student can buy books online and “save”. Sure… How about “save” by not purchasing top-dollar subpar products from places that drastically mark-up their selling price?

In most cases, a specific new edition book is no better than the old edition that you can obtain at a local used bookstore… Same author, same words, different year of printing and edited by different people, wow.

The new edition just has the backing of new people getting paid for rights—each year for a few extra words, for their titles and their names to adorn these improved editions. And this costs you more money, but you want to pay for it, right??? No.

Likewise, these publications and institutions are paying bucks for agency, authority, and placement, big names at pinnacle levels have their materials located in expensive bookstores.

The best, and easiest, marketing they do is by putting their product on your required texts next to your class schedule on the university website, the campus bookstore wouldn’t stock them otherwise—wouldn’t pull an immense profit off of their student body.

Each name of the editor, or publisher, or corporation (and their ideology, and what they sanction) within that book, you pay for. Your teacher, the bookstore, and the school, perhaps makes a commission on these required texts.

Think about it: Do they want you to get the newest edition of Shakespeare because it is of far superior quality, or because certain entities belong to an institution which pays for a mention, for cheap product at increased prices?

Obviate this silly scheme by getting all, or a majority of your materials through the library system. You already pay for it in student fees, and you may have the access you need at your fingertips.

When you buy from the bookstore you are paying for that bookstore’s existence: utilities, workers, facilities; moreover you pay for the interest of your professor and the university, in what they make from these institutions and agencies, from their publications, for their specific interests: profit.

Okay, breathe…

Now say you want to actually own the book, great. Great, you are an outlier on the verge of pariah! So what?

Get it at the library first—give it a try, and if you really enjoy what you’ve read—or you need it for personal use, then buy it.

I personally wouldn’t buy a car without test driving the vehicle first (or having someone else I trust test try it for me). So, why would you buy a textbook without assessing the quality first?

College is no longer affordable, any scholar with an inkling of responsibility will do anything to save money. One of those anythings is avoid the bookstore and utilize a service which is offered with no additional cost. Do it! Save yourself time and money in lines and in overpriced materials.

I’ll be honest, I’m partial to this concept because I work at a library. I love it. I am also partial because I enjoy saving money when necessary/possible. I’m smart.

I knew I needed a change when I bought the latest addition of Moby-Dick (Norton Edition, No. 9) at an incredible price ($23.00 +-), because the teacher expressed how we all needed it.

I thought on that for a moment: how much could they possibly alter or make critical improvements on this American classic? WTF?! Melville was rolling in his grave. I was completely baffled… Just think about that. I paid, and truly I paid.

I will leave you with this, the next time you think you need to get a book at the bookstore, count it out. Scratch that idea… Give it up and try something different, try a new search, give it one more minute on the browser—you can do anything. I believe in you.

Truly, get your books through a public or university library system, they are priceless and don’t carry a heavy price.

Equal parts Equal; Gilda and everyone else

Gilda_trailer_hayworth1            Gilda is a striking and beautifully shot movie, Rita Hayworth’s talent highlights this quintessential noir.  Silhouetted characters, shadows, and hazy deception are used heavily throughout the film.  Straight on glam shots pose as useful with a starlet such as Rita Hayworth, especially when showing character interaction.  We see long profile shots with facial manipulation, a sexual allure; smoke drifting out of the frame, darting doe eyes, the introduction of the character of Gilda being a prime example.  The camera shows the men walking up a flight of stairs, a woman’s voice in the background, and then we see her.  They have essentially found their queen herself in her castle, falling all over her newly found luxury and fine garments.  Front and center, there is nothing else in the shot but Gilda.  From this point on the movie is changed.  These men, unsuspecting as they were, have their worlds turned upside down by what seems to be love, or possession of something labeled as “love”, or this amazing woman, Gilda.

Subtle hints in direction fill up every moment of the film.  Gilda starts out with the roll of dice- literally, face first into the camera, from the ground up.  I suppose this captures the entire concept of the plot; Johnny moves from the ground up, then someone dies on the floor.  We see the roll, the gamble, and the pan up.  The viewer is given insightful narrative of the sorted people around the protagonist, and the need to leave, and then Johnny is caught in a dark alleyway, gun to his back.  He has come to the end of the line.  This is when we meet Ballin Mundson, a casino owner.  Ironically, Johnny is saved by the very knife that will in the end kill his would be killer; the person who once saved him from his would be killer, Mr. Mundson.  Why is this well-dressed casino owner in this dark and mysterious alleyway saving an inconsequential bum’s life?  Is Johnny his patsy?  We won’t find out until later, but the opening scene has it all.

I feel Johnny’s life being spared is an ode to living by the sword dying by the sword for Ballin, considerably when we see how quick he is to make sharp and drastic decisions, such as, nixing the Number 2 Black Roulette man.  We see Ballin walking around with an innocuous looking cane, and then boom, the next moment it’s a blade ready to slice at whatever, or whoever is in the way.  Also this plays into Johnny and Gilda, when they are ready to do whatever, whenever to get whatever they want whenever.  They are sharp and ready to monopolize on any advantage.  They attempt to cut each other down with jealousy, words, possessive antics, and cold stares, at times without being detected.

Gilda gives these men power.  She becomes the third-wheel in what is a seemingly well-oiled machine for a business/relationship.  It is later revealed that both Johnny and Gilda come from the same knit.  They are very similar, if not spouses (which I assume they were).  Mr. Mundson essentially loses his mind because he cannot control the movements of his bride.  In a sense the director has created Gilda as a possession, an object, whoever has this possession is in charge, yet Gilda has plans of her own, clearly.  She does whatever she wants, she doesn’t ask for permission, and she is outspoken- rather risqué for the time (1946).  The men appear pensive and timid, especially in times of dealing with lover’s betrayal.  The culmination of this pent up aggression results in violence towards Gilda, and further deception by Ballin, the one we believe is being deceived (when he fakes his own death, excessively: plane crash/explosion into the ocean).  The director may be giving a nod to the idea of equality, equating Johnny and Gilda, and Ballin to Johnny and Gilda.  Everyone is pretty much equal in their betrayal and deception.

Johnny starts from the bottom and quickly rises to the top, as Gilda eventually does, as Ballin once did himself.  Johnny even expresses to Mr. Mundson, something to the effect of, “I taught her everything she knows.”  I feel as though both Johnny and Gilda have fallen in love with the same man, and again with each other, for similar reasons: security.  Johnny’s almost effeminate appearance and boyish charm seem lover-boyish, also his jealousy towards Gilda and Ballin’s relationship with Gilda shows the love he has for the man, and for Gilda.

Another interesting theme in the movie is the barbershop attendant, who looks like the Wizard of Oz, who always acknowledges Johnny as peasant, as if even if he has all of these lavish material possessions, power, he is still the same at heart, a lowly peasant.  One can compare this to the love/hate relationship he has with Gilda, even if he appears different now, he is still very much in love with Gilda all the same, and powerless to her charm.

University tuition fees – bbc newsnight