Santa And I Know It Video

Dec 20th, 2011 | Filed under Music, Video

Here is a bit of holiday cheer,  spread by the fat man in a white beard.

Panda With Pistols Shirt

Dec 12th, 2011 | Filed under Poetry, Shirts
Panda With Guns

Banksy Panda With Pistols Shirt – Click Image $19.99

It was a day at the zoo,
we were all having fun.
We snickered at the panda,
as he played in the sun.

Then the Panda growled deeply,
and he crashed through the door.
He’d heard so many giggles,
wouldn’t take anymore.

A man looked at the panda,
and started to laugh,
so the panda responded,
by kicking his ass.

Then the panda stood up,
and pulled out two guns.
We crouched in the corner,
there was no where to run.

He spoke in a voice,
that made our fears swell,
“Put your cash on the table,
or I will blow you to hell !”

The Secret To Being Wealthy

Nov 2nd, 2011 | Filed under Interesting, Opinions and Perspectives

I had a bit of a strange conversation the other day with a friend of mine,  I had just informed her that the business has finally begun to pay the bills, and I guess she got a little excited thinking great wealth might follow.  Though we are finally turning a profit, it has cost a large amount of money to get it to the point it is now, so for this venture to actually become a positive one, the company still needs to put all the startup money back in the bank, with interest, and that could take several years.

It was not so much the context of the question, but the wording, she asked me “Do you think you are going to be rich?”

I was a bit stunned by the question and looked around at my rented house with the multiple air conditioners, large HD television, stereo system, full fridge, computers, laptops and comfortable furniture. We had just returned from a one week vacation on a tropical beach, and I am about to fly off to another country only two weeks later, we eat out two meals a day and see a movie in the cinema every week. The only reply I could think of was “I thought I was rich already.”

Financial Freedom SignAssuming the company can continue to turn a profit, I will be able to continue this lifestyle indefinitely, and even if the website stopped working for some reason, I still have enough money to continue to live this lifestyle for probably another decade or so.

In reality my comfortable couch only cost me $100, my delicious healthy meals out are almost always less than five dollars, and my one week vacation only cost about $180, even though I make more, I normally live on less than a thousand US dollars a month. I wonder, does being rich really need to have a monetary value?

It is my opinion that rich is a feeling. I have everything that is truly important to me, comfort, security, love, and freedom. I don’t own a car, but living where I do, I currently don’t need one. If I did need one, I would have to have one to feel rich I guess, but since I don’t need car, having one doesn’t matter, what type of car would be irrelevant, because vanity is not really one of my needs.

I have found from experience that most people with millions of dollars in things, often do not feel rich, they are constantly driven to get more and will never be satisfied with what they have. They could lose it all in a few months without work, they know this, and can not relax. I agree with their feeling, in my books, they are poor, but it’s because of their mindset, not their paycheck. If you really want to be rich, you need to live on about halve of what you make each month, then the other halve goes in the bank, and you just bought yourself a month of freedom. After you have a few hundred of those months in the bank, you will also feel wealthy.

I replied to her question, “Look I don’t know what rich is in your head, but I am comfortable, have many vacations and my belly is always full, I do not have any worries about where my next meal is going to come from, or my next thousand meals. In my opinion, The only way to be rich is to be satisfied with what you have.”

I don’t know if I expressed my point properly to her, when she sees a big shiny new car, she probably still wishes she could ride around inside it, and I would like it also, but not at the expense of losing my freedom, and feeling poor once again.

Time For The Monster Mash !

Oct 26th, 2011 | Filed under Music, Video

As Halloween arrives again this year, I thought I should post a song I always associated with it, The Monster Mash.

Enjoy

Who’s Eating My Pies ?

Oct 4th, 2011 | Filed under Opinions and Perspectives, Rants

Through many years of hard work and sacrifice, living as a poor man even through prosperous times, I ended up saving away quite a bit of money through out my working life. In order to save money, I forced myself to give up on on many luxuries, and one of the things I gave up, that I will be using for an example in this article, was pies. I love pies, but have not bought one over a decade, they may be inexpensive where you come from, but for me they were the cost of two-three meals, and did not have enough value for me to keep spending on them.

About six years ago, being forced to move and sell my home, I decided to take the savings and invest where the news, my peers, and the banks, all told me to, mutual funds. I was told through no additional work on my part, that I would double my money in about five years, it sounded like a great idea. I did some research, took the Bank’s Investment Manager’s advice, and signed some papers.

A Pie Plus Five YearsI thought I was so smart, by resisting buying myself a pie that day, and waiting five years, I would then be able to buy two of them. I thought that was great, after all I was only 34, I should still be alive at 40 and get to eat my two pies right?

Now that it has been five years, and the bank said at this point my money would have doubled, you would think I could get my two pies now right? Believe it or not, somehow I am only stuck with about halve of a pie. Not only has my money gone down, but inflation has been going up. I had invested in funds containing only blue chip companies, and they had used my money to help turn record profits over the last five years, so it is a bit strange to me that I should actually be losing money. Did I not invest in a company? Should it’s profits not be my profits? Something is wrong here, I understand about the stock market fluctuating up and down with demand for the stock, but where did my share of the profit go? Why on earth do I invest in companies, if during times of profits, I somehow actually lose money?! The market is down about 11% since I bought, but my mutual funds are actually down more? How is this possible? Do all those little electronic transfers from my bank to the investment really take so much manpower, hard work, and energy that it needs so much of my money just to pay for itself?

Should I eat this part of a pie now before it is all gone, wait and be satisfied once my whole pie has been returned to me, or hold out for the two pies that I was already supposed to have by now? If the banks lived up to their promises, in another five years, all things being even, I should actually have four pies. I no longer believe that even two pies are possible anymore, I mean with the record profits of the last five years, and me losing money, is there really any hope for the future?

Money does not disappear, it only moves around, my money was not sucked into a black hole and erased, it moved from my bank account, into others.

Due to the large bonuses corporations are paying themselves, as well as stock traders, mutual fund managers, bankers, and all the other “professionals” that are involved in my supposed “Wealth Management” actually get to not only use my money, and keep all my profits, but if I sold them today, also about 30% of my initial investment! Amazing isn’t it !

Buying into mutual funds is not supposed to be gambling, it is supposed to be an investment, you give your money to investment groups, who put your money into actual corporations to help them grow, and after they grow, they are supposed to give a share of the profits back to you. Of course if they lose money, you lose money, but recently as they make money, you lose money!!

Rather than the dream pictures the banks paint you of Mutual Fund investments, let’s have a look at an example of something a bit closer to reality. Have a look at a short clip from South Park below.

I can hear you all screaming at me now, that when the stocks go up, so will my investments, I hear you, but it is not proportionate to the inflation or the profits the companies have earned. There is too much wealth being absorbed by the people at the top, and virtually nothing trickles down to the investor anymore. Mutual Funds seem to be broken, and if my full pie ever returns, I will be investing either directly in high dividend stocks, property, or most likely my own company.

Monopoly Man Has My Pie

A friend of mine has no savings at all, he never has, he eats his pies every time he gets enough money to buy one. I used to tell him he should save his money, and get more pies in the future. Now though I am having a good look at myself here. I have not afforded myself a pie in about fifteen years, I should be able to afford rooms full of them now and eat until I explode from them, but I cant. I can see now that I am the fool, to be taken in by such a massive scam.

I understand why people are currently protesting all over the western world about the financial situation, most of them can’t quite put their finger on why employment is so low, crime is up, investments have shriveled up, inheritances have disappeared as some people have not just lost their jobs, but also their homes. The rich have gotten so wealthy, and the middle class are disappearing. Something is wrong.

All the savers of the world, the newly poor, and all their families, should be chanting out on in front of the Banking and Business Capitals of the World. “Who’s eating my pies?” because we all know that somebody is.