Tag Archives: Change

Believe and You Can Do Anything, You Can Even Become a Millionaire if You Want

Disclaimer: I am not a millionaire, nor a financial adviser. I am someone motivated by behavioral changes that create results. I would like to share my ideas with you.

I told my 15 year-old sister that if she puts $500 in a Roth IRA each month starting now, by the time she is 40 she will be a millionaire easily. I am not sure if that is true because I am bad at math. But I believe it is possible and compound interest is real. I believe that if you do something long enough, you are more persistent and you have passion, you can do anything. You can even become a millionaire. This belief system started about a year ago.

A year ago I was in debt–I still am, like most millennials, and I was trying to buy a house I could not afford, like many of my peers. My wife was losing faith in me, we argued about wanting things we could not afford, like a house. We could not find anything in our price range and we didn’t really have a price range or a plan: just buy, that was it. We were juiced or influenced by everyone around us, social media, family, and realtors. When we hit rock bottom that was the turning point. We had spent about $5k in money that wasn’t ours. We had credit cards and student loans and we needed a house. Until we realized we had bigger problems. We had debt problems. Then we stopped.

At that point I started listening to and reading Dave Ramsey, I started reading Brian Tracy, I started reading about investing and inflation, and I started working toward integrity with my partner, trying to become something and someone I thought I could never be, just better and debt free.

A year later I am trying to motivate others to do what is right for their future, for their finances. Numerous books on investing and economics and savings and I have realized that if you want freedom you must protect your finances and work towards growing your wealth your future and your family. These ideas are not new, I am not claiming to have created them, but they have drastically changed my life and my situation for the better so I feel I owe it to others to share it with them, my experience that is.

I see people in debt. I see people unable to pay their student loans and posting on social media about how they consume and use money they don’t have to buy a lifestyle they cannot afford, distracted. I see people protesting when they can fix their problems now, and help others later after they have risen out of their debt. Debt is slavery, to me.

These ideas about my sister being a millionaire by 40 have lead me here. I am about to pay off a credit card that would have been with me a lifetime. I have a plan to pay off my student loans in less than 5 years, including my wife’s. All our consumer debt is nearly gone, save for $680. We are working together as a team to make our family prosperous. It takes hard work and a plan and nothing is perfect but we have seen results in a year and I think you can change the world if you change your financial situation. Believe.

I believe my little sister will become a millionaire by the time she is 40 if she puts $500 into a Roth IRA every month until that time.

***

The majority of readers at

Students and Tuition donate at least $0.50 per article, that could be YOU!

If you can’t get to my Paypal page because it’s busy, keep trying.

https://www.paypal.me/TSNiebeling

Thanks,

TS_

Advertisements

Pawternity vs. Paternity: A Slap in the Face to Fatherhood

Believe it or not, their is pawternity leave in our world today, even when paternity leave exists in the dark ages. As a father, I consider the idea of pawternity a slap in the face to fatherhood, and a poorly written joke. Shouldn’t America, along with its companies, focus on embracing a model that promotes, encourages, and allows strong families, allows fathers to be fathers? Perhaps it is time I get a dog and start reaping the benefits of this privilege.  Or maybe we need to start respecting the dignity and importance of actual human fathers every where, instead of making the idea of them a monstrosity of a joke.

Online Petitions (as Pennies in a Wishing Well)

“Everything that is beautiful and noble is a product of reason and calculation.” -Charles Baudelaire

St Paul, MN- In my opinion, petitioning everything we find disagreeable on the internet, that takes place in the United States of America, is like posting a new status on Facebook, or any other social media platform, it becomes useless.  To me, this action does very little, because those forums are monitored and controlled, like throwing a penny into a wishing well–it takes the intention out of the actor’s perception, it takes the accountability out of the petitioner’s (wisher’s) hands and puts the issue in a free fall of liquidity, placing the issue on something larger and misunderstood.  I guess I miss the reason, intention, and calculation of speaking to deaf ears.

Petitioning so visibly against matters on social media creates the same sort of sentiment that one sees when one throws a penny into a wishing well. The shiny object, the cent, goes away from our observation and into certain darkness.  The viewer of this spectacle finds that the actor in this setting has hope, has promise, has a wish with meaning. The penny falls and that is that. There is that nugget of hope left at the bottom of a wishing well. Accordingly, the petition is sent out, put forth, and left on the interwebs away from those with the ability to make change, and there it sits.  (I will attest that these petitions seem a spectacle for the mainstream media to make pennies off of as well, generating a story, while stoking a teasing interest.)

In relation to this metaphor, I aver we do something different for change, instead of a spectacle for others, we create a spectacle for ourselves.  Instead of casting a penny away, as an idea, or as a concern for a concept by writing or signing a petition, that may or may not get seen by eyes with authority and the ability to create change, one must, perhaps, write legislature, or run for office themselves; make the change they desire by becoming this change. Create the change you want by following your wishes or petitions to the top, to the office you aspire to. So often ideas become clouded by group-think and the initial principal becomes diluted, creating very little change.  With an individual seeing this principal through to fruition, those outside forces may be hampered.

The real matter at hand with petitions and pennies, perhaps, may be the level of accountability the person doing the signing, or throwing, or writing cares to do and be responsible for. We sign things all the time, this act is commonplace autonomous. I sign for coffee, I sign for sandwiches, I sign for others, I sign for packages, and I sign for beer. You do too!  How is this any different in a serious way, signing for something that is entirely important or unimportant to me? (Is changing the system important to you?  And how important?)  I find in order for change it must be a step above that kind of signing, a bit more convoluted, this giving up autonomy and comfort for belief.

Signing a petition on the internet for something you believe wholeheartedly may feel good.  You may feel you have done your part, but what part? Does this signing lack fervor though?  And how much will that well-meant signature do? To make change there must be the same amount of initiative or action or motivation as in the thought that caused it. Putting a status update on social media takes a few clicks, signing your signature is a swipe of the wrist–conditioning at this point–perhaps, neither of these actions are revolutionary (singularly alone). With them, there is only a wish and an idea thrown away, as the penny in the wishing well.  So how important is your status update or your signature for petitioning change in comparison to every other one placed in a universe of texts and signatures?

***

On the video at the top of this essay, and the “Faithless Elector” movement (I didn’t watch it, the thumbnail was nice.  So I used it.) Further, we knew about the electoral college and how it worked many years ago, perhaps it is as old as the American republic.  I will cite, as John C. Dvorak of the No Agenda Podcast pointed out, where some of the inspiration for my piece comes, and I paraphrase–I hope I do justice, change the system, change the law!  Again, I paraphrase, but the gist is there.  Change the way we do things, the system, and change the law.  Hear more from him at No Agenda Podcast.  And if you perceive me wrong, I guess I am witnessing the forest for the trees, I am missing their timber.  Change may take more effort than an online trend, spectacle, or people holding well-made signs.

Speaking Shakespeare; Shakespeare: Original pronunciation

Letter to the Editor: What’s in a Name; The Redskins and Lake Calhoun

4 TLake Calhoun- Wikipedia

I wrote this piece to MN Daily 11/11/13, it was never published.  The Redskins were to play the Vikings, just as they did last weekend. 

***

11/11/13 (previously unpublished)

In recent news proponents arguing for the name change of the Redskins rallied outside of the Metrodome in downtown Minneapolis.  This rally was set in place on the basis of a name change, the namesake of an NFL team, this team, the Washington Redskins.  This specific argument of change is very important, and central to the nation’s growth, and progressive equality for minorities; however, those same activists who went out to advocate the name change of an NFL team have overlooked the name change of a city landmark that is racially as disparaging, the name change of Lake Calhoun.

What are the true motives for those rallying against the name?  Is it a national hot topic that brings people out?  Why not try to fix something local?  Something as detrimental for minority groups as the name of an NFL team.  Lake Calhoun is a city landmark named in honor of a promoter of slavery, a confederate general from the South, and a person who slighted the ideas of abolitionists.  Yet we do nothing to change the name.  We stand outside of the Metrodome taking photos behind signs while the name of Lake Calhoun sits safely in the midst of our city. 

For living in this progressive city I feel this name an embarrassment.  I believe we as citizens have a right to protect the idea of equality within our community, not just those of nationwide spectacles. 

For the past 3 years, since I found the true origin of the name of Lake Calhoun (from an ambitious History Professor at MCTC, Matt Carhartt) I have seen nothing change.  I have heard nothing of the idea since.

Noble Inquiry: What is your stance on Sunday Liquor Sales in Minnesota?

Lobbyists and the MMBA control Sunday Liquor Sales in MN

Lobbyists and the MMBA control Sunday Liquor Sales in MN

logo

This association, the MMBA, controls liquor sales in Minnesota, which creates a business monopoly for certain liquor stores, and allows, legally, through oppressive law, the squandering of our local economy, which also inhibits the ability for millions of Minnesotans to vote with their dollar.

We pay taxes seven days a week, why can’t we vote with our dollar seven days a week?

What the MMBA does is pay legislators to take competition out of liquor sales in Minnesota, enabling them to control the market- essentially creating a business monopoly for specific corporations, while restricting others.  This monopoly makes it easy for those few to make a profit, while limiting and sanctioning newcomers, and those willing to work throughout the week (specifically on Sunday).

“Each year, Minnesota’s municipal beverage facilities generate approximately $300 million in sales and contribute approximately $20 million in net-profits to various city funds.” -MMBA

What does “various city funds” mean?  Is that a euphemism for Legislators?  Or payment for the creation, and survival of laws which benefit the companies donating the funds?

Minnesota legislators are controlled by money not voter interest.  Put Sunday Sales on the ballot and see where Minnesotans really stand on their issues.

Make sure to have a look at all of the corporate sponsors which control the local government, at:

MMBA Official Site

Be sure to thank them for limiting your freedoms, and promoting, ironically, big government control over the citizens of Minnesota.