We never really seem to save money for things like old age. Honestly, we want to get there but before we do we should save so that we have some money put aside once we do. But the thing is that when we get a paycheck most of it is already spent. This of course means savings is not included. And, lots of times money goes towards odds and ends or things we could have done without. If you think about it it's that $2,3,4 or even 5 dollars thing that makes yo say, "I won't go broke if I spend this because I already am." This is a horrible mentality to have. So you spend the money anyway knowing that the amount was so small that it probably won't make much of a difference even if you put it in your piglet bank and let it stack up. This is why people spend without ever thinking that those few dollars each time add up. Then it occurred to me that if one were to put the money aside before it would ever be seen on a paycheck or available to spend this would be helpful in saving for old age. It's true that you would not see the money until you file your taxes but at least you would have some savings as opposed to nothing at all. Wow, this is great, another way to save money without ever having to say, "I need to put some money aside." It's all good now in knowing that there is a way to withhold money for that day of retirement and savings. The withholding form or W-4, will allow one to set aside money each and every paycheck without being able to spend it. Then once you go to do your taxes you will have an automatic savings that you can use for retirement. Spending money without really needing to spend it can prevent in many ways the ability to save money. The way to learn the value of saving is by putting small amounts of money aside each and every paycheck so that you won't spend it and then once tax time comes you will most likely get a refund that can be used to fund an IRA or buy bonds or put your money into some kind of savings account. Frugal cents, I call it. It was just a thought, especially when common cents is not so common!
I remember when I was a young one in my teens and I fasted for five days. I was trying desperately to lose weight and I did it. But I gained it back and had to redirect my plan to something more desperate. I took a product called dexa----. Yup, I bought it over the counter without permission from anyone. Look, I figured it would cost my parents less to feed me, and I would not be confused with a stuffed animal. Nobody in the store argued with me so they must have agreed that my weight was slightly out of control to allow me to purchase it. It really,really worked and by then my appetite had decreased so much that I could stop taking the weight loss pills because I was able to eat less and therefore I didn't gain any more weight. This one product changed my life because I hated to be "somewhat overweight". My metabolism changed and as I did things throughout the day I would burn off the calories and not pack on the pounds so much. Back then they had the popular weight loss programs-now they are as common as cable tv shows, but those weight loss programs cost money and you had to eat certain foods that I didn't have the money to buy. Dexa---- was cheaper and I could just go about my day and not have to worry about planning or buying low calorie meals or creating delicious foods in mini bite sized portions. At least to me that seemed like a lot of work and I had other things to do besides doing a meal plan for the week. I mean I was young once. As I think about it, my years of fasting and dieting prepared me for the rough road of being in a low income bracket. I learned to get by with less food and without the craving or tantrum of wanting something that I really could not afford. My stomach was no longer hungry enough, which is a good thing because it matched my wallet. Along the way and for sustenance I became a vitamin junkie, which is my main source of nourishment and it has become a valued asset in survival because the vitamins per day are way cheaper than buying lunch on a daily basis. Financially, things are difficult so you have to find ways to survive legally. I have been doing this for many a year now and so far this has become a way of life especially when you have to factor in where will the money come from? Being thin or wanting to be that way does not bother me at all. Being healthy and by not eating fatty stuff during the day really helps a lot. This discipline that I began with almost 40 years ago enabled me to survive in an era whereby people don't get paid in the amounts or salary that they should be. This is due to the sacrificial burdens and the debate over who is on top and who gets the bottom. People have often used the term "unequal exchange" to describe this phenomena. Sociologists and economists developed this concept. Which means that intellectual people of a certain creed must externalize or use a significant portion of their mental and physical aptitude among those who do not have that capability. In other words the intellectual uses to a huge extent his or her own mental capability and intellect to benefit those around them that don't have the same capability. This in abuse is to offset the financial and social or societal impact of how technology affects people in terms of work and other areas. This is how there are those who stay on top and others keep bottom and fast, because the dictatorship or abuse of power determines where one will go. I don't make the rules, but I'm old enough to see the light and that is the way I will keep things... Dang, I'm so ready to retire!
I wish that were true. But as you go along in life the numbers get higher and higher and you would think your salary would go along with that number but actually it tends to go in the other direction. To employers all of that experience and life lived just adds up to old blood and liability. This is just when I thought that youth was all about being young and doing young people things. Older people do old people things like think about retirement and the many ways they would never have to work again. The years add up and all of the horrible ways of work take a toll on a person. This minimum wage stuff ain't no joke, because that's all employers are interested in paying. Then it all made sense as to why they wanted younger workers: less experience, less money. Now, employers are able to pay minimum wage and it not look so bad because minimum wage is not really a living wage, hardly anybody makes one. So what happens to us older, experienced workers whom employers do not want to pay any money to? I talked about retirement and I only thought it was fair to do so. You have to understand when it does not make sense to work any longer. The job market makes it that way. There is no wage or salary scale that provides or compensates for the number of years worked or for different kinds of work experience. So this is where older workers do not receive the benefit of working the amount of years that they do. I'm finding that the younger a person is of course it's beneficial because employers use the lack of experience etc., to determine salary. For older workers, it becomes more difficult to find employment because they like to keep their overhead low. As a result they can't have people demanding the corner office and all kinds of perks and signing bonuses that one would expect when getting a new job. There is no compromise as to the amount of money an older worker should be making as a result of experience. Oops! Now were talking the D word or D------------n. Who really wants to do that when there are other options? Even if you make an older worker like a younger worker, this means that they've gained nothing for all of their years of work and experience. Artistically speaking an older person's resume and or experience is a blank canvas, so that any benefit of artistic production would be limited, just to keep the cost of overhead low which means a lower salary. That avoids the D word all together. My question is, how many older workers like their resume or experience looked upon as a blank canvas? What is the point of working when that blank canvas is all one will have to show for? Why even bother doing or submitting resumes, if they just end up like a blank canvas? Just list the places you've worked. Older people grow weary because of the blank canvas effect, including myself... we need to be more creative in terms of creating that canvas for retirement. I mean age ain't nothing but a number, right?
No I'm not joking. This little body has had enough career disappointment to be done with all of it. I damn near met the wizard-take that any way you want. Believe me I have had enough experience. I just should have lived out in the Midwest somewhere and got a job in a factory straight outta high school or something. That was before most of them closed down. Those were considered jobs, you know something you did just to pay the bills and keep a roof over your head. It wasn't a matter of like or even the "do what you love" kind of thing. A job was just that. A company or factory would have a position that needed to be filled and one would go in and apply and hopefully get the job and work the assembly line until they got ready to retire. Same thing day in and out and without too much of a bell and whistle to it except for benefits. But it was a job and unlike today's job market which is just a hustle of take what's there and pursue your passion either in your sleep or when you should be. This daily grind of work life changes a person. Nothing to look forward to, ok a paycheck is always good, but other than that on the flip side of things when your interests don't exactly meet up with your job description, it makes you rethink the value of happiness. I was once that way. But now nothing compares and I mean nothing. So I find myself just counting down until retirement, each and every day is one day closer. Someday I will get there. It's gotten to the point where I loathe days filled with boredom and then my artistic endeavors erupt afterwards. I just want to find full time happiness. But now, that will only be achievable through retirement. Most of the jobs really suck and of course when you have no money that sucks even more. I can't tell you how upsetting it is not to have any money. So I continue to work.
It's like going to bed, when one goes to bed angry and waking up the same way. Then you ask yourself, did you go to bed? Besides what do middle aged people like myself think about anyways besides retirement? Let's stay focused here and remember that people still work past their retirement age. This is something that I do not want to happen. I don't know if I could take that kind of misery. There has to be another way to retire without waiting until you are 67 or whatever your retirement age is. I'm going to begin to use the Greece model of life. Well, it worked for them for a long while! That's the way life should be. People would be healthier and they would not have so much stress from the day to day task of work. There would be times when one could actually enjoy life. This reminds me of an old saying I would use, "Peace and hair 'Greece'!" This beats being a "Greece" monkey...
I don't think that's a fair question, especially since when there was a time that a person did drive, all people would do was make them crazy about it. In my younger self I always thought that you were supposed to do the grown thing and be self-sufficient and buy your own s--- and the whole adult thing. Gosh, I missed the memo. It seemed that there were those against time going quick and there were those that wanted adults like me to be kids again and redo this process in "reality". Another words "I was living in a dream world." I honestly don't see how people could think that and it wasn't a matter of me missing the memo, it was probably someone who couldn't read or write one to think this whole absurd thing up. I will be honest with you, this life or current existence sucks. I was removed from my creative energy and that was my vehicle. It was painful among other things. But I had to learn to live without that vehicle I so loved and wanted to do for a certain part of my life. The reasons for removing me from that vehicle were of selfish exploitation and for ways to evolve a type of sacrifice out of a person. This makes no sense to me because there were those that enjoyed life and others that did not. I know life is not fair, but it's what you make of it. So you have to work within the confines of what you earn and what you're able to do. I had entered into another realm of life whereby I had to speak volumes. I don't know too many other people around me who do this, although I'm sure they exist. Well, if you think about it that is considered being creative and of course driving. So what's the problem and that is a fair question to ask?
Sidebar: Anyone who attended For---- Uni-------, is on another f----- planet! The only thing that degree is useful for is tp, to wipe your bottom with. On earnings of $16.00 an hour, how could one expect me to shop at Ma--'s? The reality is that people don't earn enough to do so. While there are those fooling around with the tp and their bottoms, I had to pull this economy out of a hat. Please don't expect me to cover up or zip up some body else's ignorance because this is pretty bad, at a cost of a dime for a dozen.
Now when driving you have to get to and from somewhere in a vehicle. You have to be able to afford the vehicle and it has to be safe to drive in. You have to have gas, insurance, registration and for it to be inspected yearly. You as the driver must be alert, responsible and consider not only your life but the lives of others around you. Wow, that sounds like adult responsibility or almost like moving out and having your own apartment. When you remove someone from their creative vehicle in their younger adult self, how would they do all of these things? You supposedly raise your children to be independent, responsible, self-sufficient and able to care for themselves. Adults don't ask their parent's to buy cars or give them most of the money to do so out of necessity. Such persons should be able to afford to do this themselves. As an educated creative vehicles person, one should be able to do this themselves. People should not have to beg and plead to be able to do this. I'm too old to beg the question as to why this was all done, speaking of wiping bottoms. When the creative vehicle is removed so is the opportunity. Well so much for being given enormous opportunity! The short of it is that the vehicle that exists now is symbolically being used to get one from one place to another, as in to being able to create my own independent survival and foundation from within, just like I had aspired to do in my younger adult self. Speaking of symbolic, just like that degree from L--- I----- Uni-------. Hey, you were the ones who wanted to shake and stir things up a bit and go for a change from the regular pomp and circumstance crap. The pot and the kettle are still black, so what's the problem?
I reside in Westchester County, New York. It's not one of my favorite places. Probably because nothing could ever replace New York City. I loathe getting up and taking the bus just to watch all of the grassy and spread out properties. I hate the highways and the endless roads of trees and country grass. I could never make it in the South. This is the worst. People say, "It's so expensive in the city." Living in Westchester ain't exactly cheap. I heard somewhere that in the city, bus fares will be reduced for people who cannot afford to pay for transportation. That will be my next complaint. In the city you can at least walk to get to certain places. In counties like Westchester walking, is for the young and for those in good health. Things are too spread out, talk about a country mile. Anyhow, I do think that I am paying too much for transportation and those who make minimum wage or at least $16.00 an hour should not be paying as much to ride the bus as someone making $100,000 a year. It's just not right. Minimum wage is no joke, not much money to do anything with; and then you have to worry about spending money to get to work which is a joke in itself. People who live in Westchester or any other county should not have to worry about this either. But, I'm really just thinking of a way to not make this so hectic in terms of actually getting a reduced fare card or gas card. It should only take a website for quicker access and then submitting your W-2, paystub as proof of income. Then one can receive a card or/and backup card in the mail and then you must activate the card and put money on it, for the reduced amount or given a free card for a certain amount if time, depending on your financial situation. The good thing about doing things in this manner is that one can independently control the amount of money they put on their transportation card and that card can also be used to take any kind of transportation throughout New York City or it's counties. It creates less clutter when going to buy metro cards and one no longer has to worry about having enough money to get to work. There is another thing that is very important, it costs money to go on job interviews and to look for a job. People who are unemployed should be receiving transportation compensation to and from job interviews since they are not working and really don't have the money to spend in going from place to place. There has to be a way to obtain free transportation until one gets a job and along with their minimum wage salary there should then be reduced transportation fares afterwards. Listen, you have people eating one meal a day or sometimes nothing at all to pay for things like this. It's either one or the other. Unless of course work at home jobs become more of the norm and then some of us will not have to leave the house or apartment and worry about spending money on getting to and from work. But I do think that people who are unemployed should not have to waste money or gas, the bus, train, subway in going from job to job interview until they find something. Sometimes this takes a while. The government really needs to step up their efforts in making sure that people pay less than what they can afford. As in the instance of free or reduced gas and transportation(bus, train, subway) costs, don't look at this like someone is asking for a senior discount; it just that this is all a necessity due to the wage discount. Since we have to work it is understandable, I just don't think people including myself should pay for things that they cannot afford. Let's do this the legal way and create reduce or free transportation for all those that need it. I so hate depending on people and in the instance of getting to work or a job interview one should not have to!
Income has not increased with the cost of living and of course the jobs have gone elsewhere. As people think minimum wage is going to pay for everything, I often ask why does the government want people to depend on them? Does it give them a feeling of superiority? Probably. But I don't like it at all. We have become a nation of people who want to see the ability to survive financially and independently as an enemy instead of a buddy. I don't get it. Or at least, what's more important? The roof over your head, the food in your mouth and of course the clothes on your back. I think that the government is up to something,most people do. I mean why would any entity who controls the lives of so many people put such a limit on what people should be allowed to do? The government is the public sector of things and there is the more private or elite way of doing business. Free health insurance, free food and free housing, all public stuff. Mind you I'm the type of person who likes to work for what she earns but when the jobs and opportunities somehow get greediously, and I did come up with a word, defined as another purpose in life that usually takes over the jobs and opportunities you will ever have until old age, then what is the point? Yes, the village fails again, due to being greedious. What does greedious or greediously mean? I define it as someone taking over or hogging up something selfishly, inconsiderately, scornful ect. regarding another individuals being and way of life. Elders are that way. They say it takes a village to raise a child, and I'm telling you the village ain't doing so good. The elders greediously took over and this life became a warped sense of give to the point of their greediously existence. I say this as I think of all of the jobs and careers I would have liked to have had. But the elders are greedious people and yes, they did a poor job as the village. I want this shut down simply because I don't see any point to all of this! I thrive on the private and individual way of life. The government just like the elders are giving out rations and stipends to people as if they are not worth more. The people need opportunities to create their own stipends in America. The village concept failed and it failed miserably and to a fault by using yesteryear as a way of regression and survival and yes government vouchers. It's time to shut it down and let the individual reclaim their life, because they certainly wasted a lot of time due to the elders and their village concept of doing things. America is in a regression and it won't come out of it until we take the greedious ways away from the elder and the village as a whole and let the individual exist, do and learn for tomorrows potential, which is worth much more than a government voucher!
Things are not going so well in the world of investing. It seems that each and every generation has it's crash or when things go from bright to bleak. Should you sell off? Maybe, but when things do improve, at least for a while then you would have to have repurchased your stocks to get in on the action. The government shutdown has not helped any and you're sitting here wondering about retirement. I suppose the good news here is that the market went bleak for a number of years when I didn't have any money invested. Now that I do, I understand the situation and am trying to find a way to save money without the constant downtrend that the stock market can bring. An investment portfolio is supposed to be a well-rounded one that reflects a lot of everything and includes all that you need to sustain yourself in turbulent times and of course retirement. But the truth is that once people purchase stocks, index funds, crypto currency it seems that these investment come down to keeping people away from being able to retire. Think about it, we have a system here that is basically a casino in business suits. Every type of table or offer of investment became craps. Yes, it is quite depressing as it reminded me of the job market. My strategies seemed a little off because you find it hard to imagine that people would set up a system that is designed to work for the dealer and not the player. Which means your money is taken when all is good and used to make more money for the dealer, as you look at your stocks and noticed you have no windfall, so to speak and they all seem to be hanging solid for the moment. But then once the market goes down the dealer has already made their money and you now have less than what you started out with. Imagine if currency or money were treated that way. For example: if the dollar were worth $1.50 one day and $0.80 cents the next, and you went to the store to buy goods and your money was matched against the worth of what the dollar was going for that day, this means that you would have to spend more or sometimes less depending on what the dollar was worth. Each and every morning people would arise to what the value of the dollar would be to make sure that they had enough money to get to work and buy things that they need or want. The price of goods would increase to accommodate for the decrease in people who actually shop and we would easily go into hyperinflation mode in attempts to make the dollar more sustainable. Eventually the country would be broke. So now when it comes to the stock market, we have to avoid this type of repetitive panic. We need a fresh start and a way to put money aside so that we do not have to play this game of roulette each and every single day. There are other options that need to be considered and are probably the best way to do things when one is tired of the gamble that put lots of people in the negative for all the time and money they have spent. This will be a resolution of sorts, I've grown tired of the casinos!
I have been a holistic person for a while now. It began when I felt that Western medicine or solutions could not do enough for what I wanted them to do for me. I wanted to stay healthy and not feel the affects of old age creep up on me quicker than the wind. I never wanted to have to and complain about some disability that would have me dependent upon someone or people . In doing so I didn't think I was asking too much it was just that when I was younger I was constantly bothered by what would be a problem as I got older. Yes, I thought this way and I'm glad I did because I do feel that my approaches to things have helped me with longevity. My gray hair is premature, but that's how my life was. The kid adult, so you kind of grown into it in some ways. But anyhow, I just can't seem to take complaints about health issues that can be remedied or even cured holistically. Why? Because people tend to ruin the quality of life by going back and forth to the doctors and using all kinds of Western Medicine know how to help with a medical dilemma. I am not the first person to go this route of trying to figure things out without medical intervention but it bothers me when others just want to rely on physicians. The thing here is that people will tell you "the answers are always inside." That was an excuse so that I don't get company insurance, or need it to see a physician. Strange, but what seemed to be a financial curse turned out to be a blessing because I have remained healthy at least by my way of thinking for many a year now, without the use of physicians, who will just take what money I have and will keep me indebted to them without a cure. Yes, this was a blessing as I think of those greedy people who wanted it all for themselves. You know the high paying jobs, the retirement plan, vacations, bankers holidays off, raises, and all kinds of other benefits. Why, because greed put many of those people in poor health because they ignored their own. I got put into the "well rounded " category so when that happens you need to know a lot about everything and be able to use it to help yourself so that you don't rely on the expertise of physicians, accountants or attorneys that others in the "not so well rounded" area of life are able to utilize. I do say that in all my hard work this turned out to be a blessing. So I fret and complain when I'm told of a problem someone is having that requires a medical intervention. It gets me upset and I consider that person ruining my quality of life because now they have to rely on doctors and other medical people to get them through this. As for myself, I choose to go about things naturally and find the answers within. My next thing is to stop worrying about people who choose to use physicians as part of their healthcare regimen, this I decided not to do as long as I don't have to. Patients and health complainers are sometimes people who are not well rounded and cannot find the answers to their own problems within themselves. I can't worry about that and the only thing I can do is distance myself from it because that is not the life I lead or intend to. Too many health problems, too many physician's visits just ruins the quality of life. The greed must stop, so I need to not concern about people who should be able to find the answers within, but don't, as they will rely on others to feel sorry for them and fret and tend to their every dependent need. Well rounded people need their own lives and not this noise that can probably be controlled within and without the use of western medicine. There are real or more serious problems in the world that people actually need the use of a physician or a hospital and other care takers. Because there are things that cannot be solved within. Yes, I agree. But for the things you can do, one is best off by doing so!
We live in an era where opportunities and chances have to be created. This means that instead of working that regular beat to beat job we have to do more. This sounds unfair because this means that for the most part all we do is work and use our creativity to try and provide for ourselves or use it as an anchor of education so that it is viewed upon as experience for that beat to beat job. Whoever heard of such a thing? What thing? When there are companies that supposedly need people to employ to do certain types of work but then, they don't want to hire them. This is bad, very bad. That means fewer jobs for the rest of us and companies that don't do very well in the end-their bad. I often ask myself, what is it about people that makes them want to decide to have an already stressed population of people just to put more stress on them? I think that all of this is way too much on a person in that it causes a person to work in many different directions and lots of times around the clock just so that one day they can retire. Honestly, that word will be obsolete one day or as they say thrown out with the bath water since you have an employment sector that does not pay very much. They say that money is the root of all evil. It is because you need it to live or at least survive financially. Side bar: I often think of reasons as to why this is is all happening. The gov't or powers that be probably decided that it was best if they let people recreate the land and it's opportunities instead of having them already vested into what was already created due to the corruptness of lineage of this whole I'm a bottom and you're a top thing. That's usually they way things start off, unfairly and then nothing in life becomes that way due to how it all began. Yes, it's the foundation that had to crumble so that people could become anew. This absolutely sucks because my generation didn't get that full opportunity of employment that should have been made available because years ago I was new school in an old world. In order to get away from "tradition", people were challenged into who they really were and what they had to offer. By doing so and eventually one would create an independent opportunity for themselves that definitely would not have existed. This is true because otherwise the golden opportunities that should be available now are not. In that really golden era my ancestors did what they did because that's all that was available for the most part. Gov't schemes in that they use this as a way to say "people don't change" and life has hence become a marathon in the long run, so if you delve into what your interests are and what you really like to do naturally, then in the long run you may make out because of the opportunities that become available. This is like saying, "If you want something done, you have to do it yourself." I get it really and that's why I'm a loner! You know once it's understood you complain less, talk less and socialize less. Because that understanding provides the knowledge about people and how fragile they are about their own survival. They would survive anyways, but yours becomes more challenging due to the chances and opportunities you need to create. Anyways, how much of your salary should go to gifts for the holidays? Especially, when you have to survive and live in a world where opportunities are not offered often. Yup, who you purchase from may also be of important decision making. Yes, now we all get it, we have to create that foundation otherwise it becomes a challenge to be accepted. Things becomes less and less for businesses who wanted to show people what they truly were about and that is their bad!
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