Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Tuesday, November 8, 2011

Truth Tuesdays

How To Fix Our Government & The Economy

Yea, today I'm going there with it.

First, let's get the obvious one outta the way. If we all remember correctly, one of the major principles this country was founded on was religious freedom - which also includes freedom from being judged by someone else's religion. So foremost, everything that's still up for debate because religion is factored into the discussion needs to be immediately taken off the table. I'm talking about gay marriage, and abortion for the most part here. Gay marriage is legal in 6 states, and marrying your first cousin is legal in 26. The religious factor jumps in here with trying to protect the "integrity of marriage". That's a sweet idea and all, but marriage in this country has been failing for decades. Letting gays marry most likely IMPROVES the marriage success rate, since straight folk seem to get married for any lackluster reason these days. We already know the main arguments against abortion come from the religious sects, and really - bottom line- if you don't agree, don't have one. There's a few other instances where this comes into play, but in the interest of keeping it moving... just stop using God as a reason to tell other people how to live, if they go to hell- that's not really on you, now is it?

No one likes taxes, but it's one of those things we can't function without. So how can we work on fixing this pathetic war induced economic failing? Consider the biggest complaint from the rest of the world about the US - that we are consumptionists. And while yes, that's one of the biggest problems we have... I'm not saying give up your disposable technology. However, in the most literal nature, our biggest consumption is fat. Between fast food and lipo & diet plans, we spend more money a year on the back and forth tangle of weight than anyone else. Fix 2 of our problems at once, TAX JUNK FOOD. And I'm not talking about a light tax. I'm talking cigarette-esque tax rates. Sure, you'll pay an extra dollar for your extra mega sized fries, but how many less people will be overweight and draining on society? How many less obese people will be spending their welfare money on McDonalds? Safe to say less kids would grow up with allergies, because that's an evolutionary response to preservatives... when it becomes less expensive to buy fresh food than over processed garbage, everyone wins.

Remember the moon race? How governments spent money to advance their technology to be able to be the first? When is someone going to get excited enough to make it a race to be the first green energy country? You'd think this would be a priority. But it's somehow not. We're content destroying our planet. YOU SHOULD PROBABLY STOP THAT. The amount of jobs that would be created are ridiculous, and it'd be multitasking for a good cause. Even just the logical first step for that would be so beneficial... consider every movie set in the future. Most scenarios include super tall buildings, with train systems. This is for good reason. As the population increases, we will eventually run out of space to expand outward, and the only solution will be to grow upwards. The best ways to begin pulling us out of the soon to be dark ages, begin with massive infrastructure transportation. I'm talking about solar powered trains, connecting everything, ideally. Besides creating millions of jobs for construction, maintenance and staffing... the amount of problems it erases just multiply with time. First, you cut dependence on gas powered vehicles, and on a grander scheme it encourages tourism and cuts the DUI rates. Making this investment in our future is the best thing we could be starting right now.

On an obvious note, there needs to be a cap on political campaign spending. Period. Oh, and an IQ test to be employed by the government. The sooner we stop letting rich idiots make our decisions for us, the better off we'll be. And in a related field, stop cutting spending on education. Kids deserve the best possible chance to succeed, and they'll be taking care of us when we're old. So ideally, stop spending their education money on things that are less important, ie- everything. Also, the education playing field needs to be evened out. All schools should be teaching the same thing, and all class and activity options should be available to everyone. You shouldn't have to move to get your child the same education. Use technology to our advantage here, while there may not be enough kids in one school interested in taking Mandarin for their language, creating Department of Education online classes would enable kids to learn about what they want- instead of being forced to take things outside of their desired field just because they don't live where it's available. There also needs to be a cap on college tuition- education should not be one of those situations where you get what you pay for, let the kids who are smart enough and made an effort to earn their spot have it - not those whose parents can donate a wing.

This is just a start. I sense a part 2 coming in a few weeks.


Tuesday, October 11, 2011

Truth Tuesdays

How To Stop Wasting Your Money

Holy recession, Batman! But there are things you can do to combat your own personal financial situation. Remember: every little bit helps.

First, understand where your money is going. Mint.com is a great free service for this, you input your account information, and it helps you see where you have room to trim the fat.

Next, downsize. One of the best ways to accomplish this is limiting your intact of fast food and beverages, which are not only bad for your body but horrendous for your wallet. Say you have an affinity for caffeinated beverages. Instead of assuaging your dependancy with a daily Starbucks visit (up to $6 a drink), switch to buying to the packs of Starbucks drinks (4-6 dollars, for 4). Same method of buying in bulk is effective for everything from 5 hour energy shots to toilet paper. The more you buy in quantity, the more you save. While the start up capital to switch to bulk will be a less than seamless transition, do without this week to put yourself in a better situation next week.

If you're one of those that refuses to give up going out to eat, shop around for deals. Many restaurants these days are offering discounts, take advantage of them! If you have little ones, check out Kids Meal Deals, you can search by area and day of the week to find out where they can eat for free or cheap, usually with the purchase of an adult entree.

Identify your vices. For you smokers and alcoholics, this section is for you. Stress will always be a trigger, at least fall of the wagon in a fiscally responsible way. Save your liquor drinking for home (generally, paying for 4 drinks in a bar or restaurant equals the cost of a bottle- that will yield more than double the number of drinks) and drink beer while you're out, or better yet, find your area's happy hours and open bar nights. Instead of haunting the same spots daily, and overspending, branch out and find deals. You'll not only save money, but most likely make more friends (unless you're an antisocial douchebag) and get some great experiences out of it. For smokers, buy cartons instead of packs, or switch to a cheaper brand than your usual.

Consider getting rid of your TV service. Between Netflix, Hulu, Crackle, Redbox and Blockbuster, nearly everything you want to watch is available, without paying for excess channels you don't watch. There's also several great forums for free TV and Movie watching, one of my favorites is Quicksilver Screen.

Let's talk about shopping habits. First of all, STOP BUYING SHIT YOU DON'T NEED. Buying something because it's on sale that you'll never use is just as destructive as splurging on name brand items. Learn to differentiate between want and need, it's the most vital skill you can acquire to save money. Also, for online shoppers, stop paying for shipping. Consider consulting FreeShipping.Org, and avoid paying an extra 5-20 dollars per purchase. If you have to pay shipping, use the standard shipping option and not the expedited versions. You can wait a few days longer for your product, and really, you should be planning far enough in advance with your money to not need to expedite things. Never pay full price for anything, wait for sales or discount offers, or google checkout coupon codes for your favorite shopping websites.

Lastly, if you haven't sat down and made a financial game plan for yourself for at the very least the next 6 months, you're doing it wrong. Plan ahead, and you'll be more equipped to spend smarter and avoid impulse spending.

Hopefully these tips help. If you've followed my suggestions and are still having trouble, it's time to find a new job. Invest in your education and make more money in the long run.