Tag Archives: A Christmas Carol

Life Lessons I Learned From A Goofy Movie

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If you grew up in the era of after school cartoons, then prepare to be nostalgic. This time I’m going back to 1995. Let’s get goofy… as in A Goofy Movie that is.

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A Goofy Movie was released theatrically on April 7, 1995, by Walt Disney Pictures, and made $35 million at the box office.

A Goofy Movie is a 1995 animated musical comedy film produced by Disney MovieToons and Walt Disney Television Animation and distributed by Walt Disney Pictures. The film is based on The Disney Afternoon television series Goof Troop created by Robert Taylor and Michael Peraza Jr. and acts as a follow-up to the show. It features the voices of Jason Marsden, Bill Farmer, Jim Cummings, Kellie Martin, Pauly Shore, Jenna von Oÿ, and Wallace Shawn.

Taking place a few years after the events of Goof Troop, A Goofy Movie follows Goofy and his son, Max, who is now in high school, and revolves around the father-son relationship between the two as Goofy takes Max on a fishing trip out of fear that Max is drifting away from him, unintentionally interfering with Max’s social life, particularly his relationship with Roxanne, his high school crush and dream girl. This movie also featured 2 songs by R&B singer and superstar Tevin Campbell.

The film was so much fun, uplifting, and family oriented that I had to give it some love her on my website. The movie just melts my heart 💖But first…What is Goof Troop?

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Goof Troop bears similarity to several early-1950s Goofy cartoon shorts which depicted Goofy as a father to a mischievous red-haired son. Goofy, a single father, moves back to his hometown of Spoonerville with his son, Max. Their next door to Goofy’s high school friend: Pete and his family. His son P.J. (Pete Jr.) befriends Max. Max and P.J. become best friends and do practically everything together. A large portion of humor comes from the relatively normal Max’s personality sharply contrasting with his father.

And love the theme song by Phil Perry.

H-h-h-h-hit it!
Like father, like son
You’re always number one
Best buddies, best pals (Yeah!)
You always seem to work things out

Can’t you see you’re two of a kind?
Looking for a real good time(Real good time)
Report to the Goof Troop
And we’ll always stick together
(Yeah!) We’re the Goof Troop
Best of friends forever

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Now let’s talk about A Goofy Movie!

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DREAMS ARE A WISH YOUR HEART MAKES AND ARE MEANT TO BE FULFILLED I love how the movie starts. Max ( Jason Marsden) is dreaming of his high school crush Roxanne ( Kellie Martin).

However, before his dream can come true he wakes up!

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Fun Fact: A dream is a wish your heart makes is a song that’s in another Disney Film: Cinderella, which is from 1955. And I love Cinderella stories! See my post Money And Life Lessons I Learned From CBS Storybreak’s Yeh-Shen (A Chinese Cinderella Story)

I am all too familiar with having a dream.

Most people do not know this, but since I was a little girl I always had a dream to be rich. I just always knew that I did not want to worry more about money than helping people. Therefore, I figured out ways to live on less so that I could find ways to earn and save more.

First, I wrote down a plan. Second, I knew getting a good education was key so I went to an in-state, affordable college to lessen debt. Lastly, I refused to buy expensive or big ticket items i.e. $800,000 home, $70,000 vehicles, and $5,000 annual vacations.

I knew I needed my money to go to work for me. I needed to invest. So what’s it gonna be? 🤔 Real Estate? Stocks? Bonds? Mutual Funds? Art? Since stocks are more bang for my buck , as high-quality, dividend-paying stocks have proven to be the best way to make money over any twenty-year stretch of time or longer, I put my money in stocks.

My mission: To invest $100,000 in the stock market. Challenge accepted! Like Max, I had my work cut out for me.

MAKE A PLAN In the film, Max decides he’s tired of being looked over and makes a plan to change his fate. After today he sangs, things will be different.

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Popular girl who ignores max.
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Pete, Max and Pauly Shore, err um I mean Bob, in An Extremely Goofy Movie picture image.

You got that right! Max dons the costume of his favorite popstar, Powerline (Tevin Campbell), and proceeds to perform the song “Stand Out” live in the school auditorium in front of the entire school. Talk about GUTS and going for the GLORY!

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Me and Max are very similar indeed.

Back in 2016, after years of reading other bloggers and dreaming of becoming one myself, I decided to change my fate and destiny forever.

After reading a post by Financial Samuari on how to start a blog, I decide to throw my hat in the ring. And here I am today. After today I thought, my life will never be the same!

Reading so many books and blogs about money, I learned how to save and invest more and spend less. In order to reach my goal of $100,000, I cut back spending. I went from saving 13-15% of my income to about 41% of my income going towards savings and investments! Remember this: NO GUTS, NO GLORY!!!

Back to Max, he now has gotten the attention of his dream girl. And the attention of the entire school including an older high school girl, that Roxanne’s best friend Stacy ( Jenna von Oÿ) tells her to do what The All American Rejects says to do Move Along. I know that’s right!!!😂

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See this, like me, Disney does fun facts too! 😉👍
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As soon as he finds a way to make his dream a reality, his dad, Goofy (Bill Farmer), decides they are drifting apart and need to go on a fishing trip to bond (and teach his son the perfect cast like his father taught him). After all that work Max just put in, he did what any teenage boy on an adrenaline high would do… he fainted.

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Fun Fact: Walt Disney is known for making animated films or shows as single-parent households in which the mother is missing. Think The Little Mermaid, Cinderella, Ducktales, and A Goofy Movie. There was always a close bond between the father and his children. This reminds us how important it is for a father to be involved in his child’s life.

See my posts Money Lessons I Learned From Scrooge McDuck and A Christmas Carol: Lessons in Finance, Business, And Life

SECRETS AND LIES OR LOANS Max decided to lie to his father in order to fulfill yet another lie that he told his friends about going to go see the Powerline concert live. This deeply hurts his father.

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In regards to loans, here’s a tip; do not invest borrowed funds. Invest cash only. Debt creates more debt. Cash creates more cash. It is just that simple.

FORTUNES FAVOR THE BOLD Max eventually comes clean to his dad and they agree together as a family to go to the concert. Father and son rocked it out!!!

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This all happened because Max finally had the guts to tell his father the truth. He also comes clean to Roxanne and she rewards him with a kiss. Max no longer being ashamed or embarrassed by his father introduces him to his dream girl Roxanne. Max took a chance and a huge risk, but it paid off in the end.

So remember this: Don’t do the boring thing, do the exciting thing.

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As for me, after I decided to start investing like crazy, I did hit my goal: $100,000!

Why $100,000 you ask?

Well, it’s like this. I did some research and found out how to build generational wealth over the long term. Investing is a long game. It takes decades to earn significant sums of interest.

Over 30 year time intervals, this is what can happen to money that is invested that earns 8% return.

Basically, invest and then do not add another penny to $10,000.

The First 30 years: $10,000 can turn into $100,000.

The Second 30 years: $100,000 turns into $1 million.

The Third 30 years: $1 million turns into 10 million.

The Fourth 30 years: $10 million turns into $104 million!

Therefore, you can turn small sums into vast fortunes over time.

That $100,000 is the golden ticket to prosperity my friends. Once you hit this milestone, your money starts to accumulate pretty fast.

That $100,00 can move mountains and turn small money pebbles into big money boulders! You just have to be bold enough to make a plan and execute it.

A dream may be a wish your heart makes, but a goal is a carefully crafted plan that is written down. So when in doubt, BE BOLD!

The Skeleton Key Of Personal Finance

Time, Watch, Key, Old, Antique

To follow, without halt, one aim: There’s the secret of success. – Anna Pavlova

To save, without stopping, one goal: There’s the secret of building wealth. – Miriam Joy, Founder of Greenbacks Magnet

You are about to receive a gift.

From me to you.

I am going to give you the secret to untold riches beyond your wildest dreams and I will give it to you for free.

You will learn how to amass a fortune so great that no man can measure its vastness.

I’ve got a secret. Shhh. But I’ll tell you. Come closer.

I’ll give you the secret to how I became a savings wildcat.

I pick a number, say $10k, divide it by 12, and save that amount monthly.

How you ask? I automate it.

The End.

Smooches 💋

What will this secret cost you? Nothing. Therefore, you will not have to sell your soul to get access to it.

What am I talking about? Saving money.

That is the Skelton key of building wealth. You save a portion of every dollar you earn. Then you invest it.

Investing is the equivalent of being paid royalties as an actor, musician, or author.

HERE. WE. GO.

WHAT IS A SKELTON KEY?

Skeleton Key, Antique, Old World, Wood

A skeleton key is a type of master key in which it is designed in a way so that it can fit and open numerous locks.

The term derives from the fact that the key has been reduced to its essential parts.

Saving money unlocks all the doors to everything you have ever wanted.

Have you ever wanted anything, but could not find a way to get it?

Saving money will solve that problem for you.

See my post How Millennial Money Inspired Me To Start Saving $13,333.06 A Year

My recommendation is this:

Women save $0.50 of every dollar you earn.

Men save $0.40 of every dollar you earn.

Why the difference? Because women earn on average $0.80 for every dollar a man earns.

Therefore, men have to save less and women have to save more in order to reach the same goal of fill in the blank $ dollar amount here.

WHY IS SAVING SO CRUCIAL?

No one can arrive from being talented alone, work transforms talent into genius. – Anna Pavlov

All wealth building starts with saving.

Don’t let anyone tell you any different.

Sure you may have to invest and diversify your money such as investing in stocks, real estate, and bonds, but you have to save money FIRST before you can buy or invest in anything.

If you have ever read a Jane Austen or Charles Dickens novel, then you know the theme always comes around to money.

See my post A Christmas Carol: Lessons In Finance, Business, And Life

Considering that Jane Austen never married and Charles Dickens grew up in a poor house, it is not surprising that the authors chose to hone in on this topic.

The sorted topic of coin. Both authors are British and in that society they have a class system.

You are either born into wealth and inherit it or you must work for many years and earn your fortune.

Many of the landed gentry lived off of their land. Profits that were made from owning land was how they made a living.

That monthly sum could be the difference between prosperity and being locked away in poor houses, which were a form of jail for the poor.

Here in America, we do not have a class system of royalty, nobility, tradesmen, shop keepers and owners, or farmers.

However, we do have a social ranking and social class. Those are the haves and the have nots.

If you want to find yourself in the realm of having, then you best start saving money for your future today.

Many years ago, I was laughed at for my paltry savings amount of 9% per year.

Now I am saving over 40% of my income.

No one laughs at me now.  

HOW SAVING MONEY CAN MAKE YOU HEALTHIER

They say wealth equals health. And that is an understatement if I ever heard one.

Having money allows you to pay for all of your needs.

This includes doctor visits, healthy food, and medicine.

See my post Why America Doesn’t Have Free Universal Healthcare And A Look At Those Who Do

Even something so simple as reading glasses can get pricey. I once saw a pair of Oakley glasses for $300.

You want organic fruit and meat? Well that costs.

Eating well not only affects your waistline, but also your brain functions.

It is said that children that do not get the proper rest, nutrition or eat breakfast before school perform lower on tests and have harder times concentrating.

See my posts Wealth Really Does Equal Health

HOW SAVING MONEY CAN MAKE YOU HAPPIER

Success depends in a very large measure upon individual initiative and exertion, and cannot be achieved except by a dint of hard work. – Anna Pavlov, Prima Ballerina

When you have the means to pay your bills, eat, and work in good health; then you are fortunate indeed to be able to pay your own way.

Being able to afford your monthly nut just makes you happier overall.

You are protected from the pitfalls of many of life’s hiccups.

Money offers protection.

See my posts

Dwayne Johnson: The Rock Solid Way And The Fast And The Furious Way To Make Millions

5 Wealthy Nuggets Of Wisdom From The Count Of Monte Cristo

Halle Berry On Success And Failure: Why She And I Continue To Save So Much

The One-Tweet Financial Plan  

Money Lessons I Learned From Jay Leno

Money Advice I Got From John Legend

Money And Greek Myths: Lessons From Clash of The Titans

You can get just as much pleasure saving as you can from spending.

I seem just as happy being able to have the ability to afford items than am to actually purchase them.

It is a great feeling to payoff debt. Every check you write frees you from obligation to lenders. Then your money can stop serving THEM and start serving YOU.

Make a goal to write down evet single bill you have and person you owe.

I started doing this and tackling every debt I had one by one.

Once I paid of my car, I owed $30,000 and my personal loan, I owed $20,000, then things started really taking off from there.

I was able to take these monthly payments, $450 and $333 respectively, and start investing that money. Now that money works for me in the stock market.

Here is one stock I recommend: VFINX or VFIAX. (You can also invest in the VTSAX or any equivalent)

Portfolio composition of VFIAX

Month-end 10 largest holdings
(22.40% of total net assets) as of 03/31/2019 

1Microsoft Corp.
2Apple Inc.
3Amazon.com Inc.
4Alphabet Inc.
5Facebook Inc.
6Berkshire Hathaway Inc.
7Johnson & Johnson
8Exxon Mobil Corp.
9JPMorgan Chase & Co.
10Visa Inc.

Whatever you do just make sure you not just SPEND money but SAVE money.

The one-tweet financial plan

Twitter, Screen, Social, Phone

“Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give.” — William A. Ward

That’s right folks. Step right up. Don’t be shy.

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I’m about to simplify your life. Your financial life anyway. A one-tweet financial plan is the way to go.

You see that quote at the start of this blog post.

There, I just gave it to you in the quote stated above. The end.

Just kidding. But seriously, it is in the quote above. I will just expand upon it.

Warning this post is full of tweets! But lots of information. Stay with me! 😉

Keyboard, Hand, Tweet, Twitter, Computer

WHAT IS A ONE-TWEET FINANCIAL PLAN?

A financial plan that is 240 characters or less and can be sent out in a tweet.

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I know what you’re thinking. Yeah, right. Well, since seeing is believing I will show you exactly what I mean.

Here is my one-tweet financial plan.

And due to the recent government shutdown, I have also created a one-tweet financial plan government shutdown edition. 😉 It’s kind of like how they created the Scrabble game deluxe. You take an already good thing and then just expand upon it and make it even better.

I also like to think ahead to the future and plan for my taxes. You need to save today because the future gets more expensive. What costs a $1 today will cost $1.25 in the future. Plan ahead.

Speaking of Scrabble…

LISTEN

It is one of the best qualities you can have. Being a good listener can lead to lasting marriages, better employment, and happier relationships.

You see #2 there. @mjp2520. Yes, that’s me. 😉

I started reading about personal finance and attending seminars or conferences long before I started writing and tweeting about it. Coming from a place of experience and information gives you a different point of view (POV). That POV can make you an expert in your field. Never underestimate the power of just listening and observing.

THINK

I want you to write down your goals, thoughts, wants, needs, and desires. Like I said before, seeing is believing. Think before you act.

There is nothing wrong with moving slowly or with caution. However, that does not give you the right to move like a turtle. First, think. Then act and move expeditiously once a decision has been made. Move quick. Make haste. Do not overthink it. This can lead to analysis paralysis.

Moving slowly does allow you to more clearly see the path ahead. But once you see it, I want you to run toward your goal. Not walk. RUN!

EARN

You have to earn money to save it. It is just that simple.

I was in debt up to my eyeballs. However, I did not toss my hands in the air and say who cares as I will be in debt forever. Nope. Not me. I chipped away at my debt. Then, I slowly started to have savings. I emerged from the debt cocoon I was in and became a soon to be debt-free butterfly.

I found ways to get rid of my debt. By any means necessary. It didn’t matter if I had to sell items, save my change, get 0% deals on every item I purchased, or stop buying chewing gum just to save a buck.

Once the debt started going away, I had tons of disposable income. Go figure.

INVEST

I cannot stress this enough. Investing can be the difference between you being one of the haves or have nots. I hate to break it to you, but the top earners invest.

Investing is a long game.

I read the wealthy invest up to 20 percent or more of their income each and every year.

The 1 percent are making a killing in the stock market. And you can too.

When I decided I was going to be rich, I turned my attention toward investing. If you want to know where Greenbacks Magnet is investing, then check out my post below. 😉

See my post How I turned a $450 car payment into $100,000

Here are some of my tweets on some good investment books to read.

The wealthy also read A LOT!!!

According to Grant Cardone, CEO’s read 60 books and attend 6 conferences a year. The average person reads less than one book a year. I read that in the 10X Rule.

Read the 10x rule. Took his advice. Set 10x goals and do 10x more action. It worked. Many thanks! Went from saving $10 to $10k a year. #OBSESSED

WAIT

Yes, like the Maroon 5 song. Wait.

Anything worth having is worth the wait.

You know all those overnight success stories you hear? Well, those are garbage. It takes years of hard work, persistence, determination and sacrifice to get anywhere worth going.

All those bands you hear about or people you see on television. They were honing their craft long before records executives starting signing them to deals.

Gene Simmons said he was going from gig to gig in an old van living off hot dogs with his bandmates in KISS.

Pat Benatar left her job as a bank teller to start working as a singing waitress making $4,000 a month before she hit it big.

You know their names now, but there was a time they were broke and unknown.

Success comes from doing not luck. And the toiling to make that success happen, can take years or even decades. So, prepare yourself.

Don’t be like Beetlejuice. Remember that scene in the movie where he took his number and was impatient. It was hilarious. One of Michael Keaton’s most memorable roles.

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The point is that you have to be patient. I do not mean wait forever. I just mean that all good things do take some amount of time.

Don’t be so quick to judge or criticize others, before you know the full story.

“I praise loudly. I blame softly.” – Catherine II, Catherine the Great

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FORGIVE

They say it’s divine.

“Always forgive your enemies; nothing annoys them so much.” – Oscar Wilde

And I make sure to forgive. I always forgive, once.

See my post A Christmas Carol: Lessons in Finance, Business, and Life

TRY

Don’t be a quitter. Try first. You will never know if you have got the goods to make it, unless you get out there and do it. Do something. Don’t just wait to be discovered. Get out there and meet people. Shake some hands. Knock down some doors. Make some phone calls. Just try.

SAVE

This one thing can change your life. Saving. It is the start of all things to come. The act alone is a reflection of who you are and what you value.

The foundation for all your future wealth is derived from this word and your ability to do it.

See my post How Millennial Money inspired me to start saving $13,333.06 a year

GIVE

You give as a way to reach back and help those that come after you. It is a way to show your gratitude for all the things those that came before you have done.

There was a time there was no stock market. Or anesthesia. 😮

Let’s take a little walk down Wall Street.

The NYSE celebrated its 200th anniversary in 1992. Wall Street started under a tree in 1792 with commodities.

The Dow Jones Industrial Average (DJIA) was founded in 1896 with only 12 industrial stocks. Those 12 companies: American Cotton Oil, American Sugar, American Tobacco, Chicago Gas, Distilling & Cattle Feeding, General Electric, Laclede Gas, National Lead, North American, Tennessee Coal and Iron, U.S. Leather and U.S. Rubber. 

My how things have changed. None of those stocks are now part of the DJIA.

The good thing about indexes is that unlike individual stocks, when things go south and a business performs badly or goes under, it is culled. That’s right. They remove it from the DJIA and replace it with another business. Usually one that is performing well. That is the reason you invest in indexes. For the protection against a business going out of business and you losing your shirt!

General Electric (GE) is the only member of the Dow Jones Industrial Average that has been in the index since it’s beginning in 1896. It is being taken out and replaced by Walgreens (WBA) as reported of July 2018. That’s a 122-year run.

They have made it easier for you to invest now than 100 years ago.

Dale Carnegie had to ask his mother to mortgage the house so that he could invest the funds in stocks that he knew. That was how he built his fortune. Remember to invest in what you know.  Earn a fortune and then give it away.

Giving is one of the best ways to be philanthropic.

Remember that part in the movie Troy where Achilles asks his mother if he should go to Troy. And she says to him only if he wants his name to be remembered and live on throughout the ages.

Giving is a way to have immortality.

Case in point, Ms. Oseola McCarty inspired many others to donate to charity as well after she donated her life savings of $150,000 to a college in 1995. How’s that for a swan song? One of the biggest donors she inspired: Media Magnate and Mogul Ted Turner.

So why is it even noteworthy when Oseola McCarty, an elderly woman, donates $150,000 to the University of Southern Mississippi? In the case of Ms. McCarty, it is the heart behind the gift, and the lifetime of effort that went into it. For her act of kindness, she was awarded the Medal of Freedom, the highest civilian honor and got to ring the stock market opening bell.

How about that for recognition in helping others? And she asked nothing for herself or in return. These things were given to her for her charitable contribution to society.

Giving is passed down from generation to generation.

So, if you want to be immortal and have your memory live on forever, one word: give.

Want to know more. Tweet me. I’ll be at @mjp2520 

Xoxo Miriam Joy AKA Greenbacks Magnet 💋

Don’t take money too personal

Arm-Wrestling, Indian Wrestling

“I tell college students, when you get to be my age you will be successful if the people who you hope to have love you, do love you.” – Warren Buffett

I have spent the last 12 years devoting myself to the study of the wealthy.

In all that time, I learned that they are right about one thing: Money does not solve all your problems.

I thought when I finally had some money things would change. Everything would go my way.

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Forget Murphy’s Law. Whatever can go wrong, will not go wrong! The money will cushion my fall. It will shield me from water, wind, and fire. I’m unstoppable. Right? Wrong.

My life actually hasn’t changed all that much. I still live in the same house, drive the same car, have the same family and friends.

So, what the heck? Where are all the trumpets and parades? I guess they’re down by the Macy’s Day Parade floats where they belong.

I know money is emotional. However, money is just a tool. It is not good or bad.  It is what you do with it. Only you can decide. As Captain Planet would say, “the power is yours.” So, be rationale.

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BORROWING TO GET AHEAD

“Neither a borrower, nor a lender be; For loan oft loses both itself and friend.” – William Shakespeare, Hamlet

I understand why people borrow. It is because at the present moment they do not have the means to finance what they want or need at that particular time. That is why people borrow extensively for college.

On the opposite side of that spectrum, is to lend money.

“Before borrowing money from a friend, decide which you need most.”

However, in my observations on the task of lending, it often comes with unforeseen consequences.

You lend money to a friend or family member thinking you are just helping them out. Right?

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Bachelor Party 1984 with Tom Hanks and Adrian Zmed

Of course, they will pay you back. Unfortunately, I have seen more situations where people do not pay back their obligations; thus, ruining relationships with creditors, family, and friends.

When you lend money to a family member or friend, you do so out of trust. If that trust gets violated, it hardly ever gets repaired. The damage is done and many times is irreversible.

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You can end up losing a friend and making an enemy such as a business associate or contractor you decide not to pay. That is not a good thing to have happen because you are likely to make an enemy with a long memory.

The way Nyssa al Ghul (played by Katrina Law) said it when talking to Oliver (played by Stephen Amell) on the show Arrow put it so succinctly. I couldn’t have said it better myself.

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Arrow on the CW

That is because people are wired to be self-serving. I do not think it is done maliciously. I believe this is for survival. Memories are self-serving. The purpose is to help you live and avoid danger. If you remember that the stove is hot, then you are less likely to get burned. Something like that.

“People tend to remember the loans they give, and forget the loans that they get.” – George Loewenstein of Carnegie Mellon University

However, Benjamin Franklin states, “Creditors have better memories than debtors.” You are supposed to pay your debts because it is the right thing to do. I’m like a Lannister, I always pay my debts.

Even if it meant for me to go without. That taught me self-sacrifice and discipline.

“Rather go to bed without dinner than to rise in debt.” – Benjamin Franklin

I feel the way Shelley Long of Cheers fame said in in the film The Boyfriend School (Don’t Tell Her It’s Me) describes this phenomenon best. Her character’s name is Lizzie and she says to her brother Gus, played by Steve Guttenberg, “People always do the right thing. When it serves their purposes.” Exactly.

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Scene from the film

DO NOT COVET THY NEIGHBOR

“I think everybody should get rich and famous and do everything they ever dreamed of so they can see that it’s not the answer.” – Jim Carrey

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Personal Branding expert, TEDx Talk and Keynote Speaker Leonard Kim described the meaning of Jim Carrey’s words. He stated, “that everyone chases money, wealth, success and fame, thinking it will bring them happiness.  Once they attain it, the person sits there and thinks “That’s it?  That’s what all the hype was about?  I don’t feel happy.  I don’t feel fulfilled.  I don’t feel anything.”

This was how I felt in a nutshell.

It was such an empty feeling. It felt so hollow. The only thing I had was the relationships I had built up with people. So, I learned to focus more on relationships than money.

I have no desire to buy a Ferrari, move to an expensive zip code, buy tons of couture clothing, or start collecting valuables that may try to take the place of some void.

See my post Name Brand Labels or Fat Stakes? You decide

Material possessions have not ever made me happy. Maybe, that is why I hold on to stuff for so long and repair instead of replace. I rarely shop. I don’t need anything.

The neighbor’s do not have to worry about keeping up with or competing with me or vice versa.

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I am content to simply read and write. I try to focus on building relationships and not tearing them down.  I do not want to hold grudges. Good luck to any person I have come across that we could not see eye-to-eye. I let you go with a full heart. I wish you no ill-will. I am happy being who I am.

I am more concerned with doing the common good.

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See my post on A Christmas Carol: Lessons in Finance, Business, and Life

I took a page out of another blogger’s book and focused on my goals. I would do the following:

  • Help three people
  • Read two books on finance/personal development a month
  • Research organizations to donate to

Anything is better than someone asking me this.

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IT IS OKAY TO SAY NO

“The difference between successful people and really successful people is that really successful people say no to almost everything.” – Warren Buffett

I like to observe people. Nothing gives you a better predictor of future behavior than past behavior. You do not have to try and people please. It is okay to say no when someone asks you for something.

Matter of fact, it is likely that saying no may save your friendship. Unlike what Robocop said, some things are not able to be fixed such as a lost friendship. No one wants that.

Robocop 1990

You are better off giving people the money they ask for than expecting it back. If it is more than you can afford to lose, then don’t lend it. Or just lend what you can afford to lose. It is just that simple.

Who cares if people get mad? It’s your money! They shouldn’t be coming to you simply because they think you are a soft touch. I once heard Pamela Anderson say that in an interview.

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Always do what is in your heart. It is the only way not to be bitter and make sure you do not live life full of regrets. Better to say no and keep the friendship and your sanity intact.

Thanks just my 2 cents.

A Christmas Carol: Lessons in Finance, Business, and Life

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Have a heart that never hardens, and a temper that never tires, and a touch that never hurts. – Charles Dickens

A Christmas Carol has to be one of the most beloved Christmas tales of all time. It was written as a novella by Charles Dickens in 1843. Although, the story is over 170 years old, there are many lessons of wisdom imparted within this story that still has relevance today.

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It never gets old watching Ebenezer Scrooge’s redemption at the hands of three ghosts and the spirit of his late business partner Jacob Marley.

A compelling story indeed.

It is set during the Victorian era of the 1800’s in England. Around 1860.

The story gave us the words and phrases Scrooge, Bah Humbug, and Merry Christmas.

In the 1940’s, Disney even created their own character in his image named Scrooge McDuck.

How did Scrooge go from an innocent young pupil to a crotchety miser?

One word: Life.

We all must go through it, but how we handle life’s ups and down is what really makes us who we are.

Scrooge hated people. However, those around him still chose to show him kindness.

I have learned that you cannot answer hate with anger. You can only show people who you are by how you live your life.

Remembering his story always reminds me to treat others the way I would want to be treated, and that is with dignity and respect.

WHO IS EBENEZER SCROOGE?

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Ebenezer Scrooge is the protagonist of this tale. A miserly business owner who is a skinflint to the core. Though successful in business, he is angry and alone.

His only family is a single nephew from his late and only sister.

As a young boy, he spent all his time on his studies. His father was a very strict and harsh man. There was little time for play or fun for Ebenezer. It hardened his heart. Money was the answer that will give him meaning to his life.

He decided to close himself off to others so that he wouldn’t get hurt. But the thing is, when you open up to people, you let the good in with the bad. This adapted defense mechanism had a profoundly negative effect on adult Scrooge. He learned to place the pursuit of money above love.

He was later employed by a man named Fezziwig, who was kind and gentle. His employer was in the shipping business that was established in 1766.

Although, Scrooge had examples of charitable people and love around him, somehow he let greed take over his heart.

LOVE AND HAPPINESS ARE NOT ONE AND THE SAME

We need never be ashamed of our tears. – Charles Dickens

Money does not buy happiness only temporary satisfaction. It cannot buy friends, family, faith, loyalty, or love. Money is empty. People is what fills you up inside and your heart. Don’t let money control you like it did Scrooge. Money doesn’t control you, you control it.

The absolute saddest and most touching part of the story is when his betrothed has some very harsh words for Ebenezer.

At a young age, he made a promise to marry a girl of no fortune.

Over time he changes. He becomes cold and harsh. She tells him that one by one she has watched his nobler aspirations fall away.

His master passion of gain is now his only love. An Idol has displaced and replaced her in his heart. A golden one. He only cares now for gold. Money.

She asked him if he was a free man would he still want to marry a dowerless or penniless girl with nothing but myself to bring to a marriage. He stays silent. She has her answer.

In one of the absolute most heart wrenching and saddest rebuffs I have ever heard a woman say to a man, it almost brings tears to my eyes.

She tells Scrooge this; thus, ending their engagement:

Ebenezer, I release you;

You are a free man;

I let you go with a full heart;

May you be happier in the life you have chosen.

Her rejection of him was the final straw as he was never the same. He calls himself a fool for not going after her. I think it was his pride that let love slip away.

It seems that old fools used to be young fools.

This film version of he speech in 1984, in my opinion, is the best version I have heard. It makes me stop in my tracks every time to hear her say it just sends a sharp chill down my spine its so cold and sad.

A Christmas Carol (1984)

This is my favorite version of the many film adaptions. I remember seeing it on reruns growing up during the holidays.

Scrooge (1970) Starring Albert Finney

The 1951 version also has fine acting and strong dialogue including its delivery. The scene where the engagement ends is particularly well-spoken by the films star.

He says, “the world can be so brutally cruel to the poor. All the while professing to condemn the pursuit of wealth in the same breath.”

He asked his soon to be ex-fiance, “is it a terrible thing for a man to struggle to be something better than he is?”

She feels that is is if a man weighs everything only by gain.

A Christmas Carol (1951)

A CHANCE TO GLIMPSE THE PAST, PRESENT, AND FUTURE

A loving heart is the truest wisdom. – Charles Dickens

In the story he is visited by the spirits of Christmases Past, Present and Future.

He gets to relive the mistakes of the past and present and see what will come to pass in the future, if he doesn’t change his ways.

As hindsight is always 20/20, who wouldn’t like a chance to change right what once went wrong.

However, Scrooge was a tightwad. Ridiculously cheap and stingy. He ate a bowl of gruel for Christmas dinner in a room with one lit candle. Pathetic.

He didn’t even spend for his own comfort. So, he was miserable and made everyone around him the same. People like him only see the cost of visiting the eye doctor, not the benefits that could come with 20/20 vision.

From his story we learn this, you may not be able to change the past, but the future is not written yet. You can write the last few pages, if you have the courage to change. It is NEVER too late to change for the better.

THEY SAY CHARITY STARTS AT HOME

No one is useless in this world who lightens the burdens of another. – Charles Dickens

Your actions do impact others. For every cause there is an effect. Every action you take affects not only you, but the people around you and someone else in the long run. There is a reaction for every action.

When asked to give to charity, he asks, “Are there no prisons?” and “Are there no workhouses?” Then goes on to state that it would be better to decrease the “surplus population” than to help the needy.

Oh yea. He’s a real charmer.

Scrooge had a loyal and faithful employee named Cratchit. It was a shame he treated him so badly. He wouldn’t even allow the man to put more coal on the fire to keep warm while at work.

It was too bad he could not show the same kindness upon Bob Cratchit that his former employer did upon him. It would have been a great way to pay it forward. And to honor those that came before him.

They say when you want to be charitable, you do not have to look far. You can start at home. Why not start with your friends?

LEARN FROM THE MISTAKES OF THE PAST AND OTHERS

A sad sight to see was his old deceased business partner. Jacob Marley, who is in purgatory for his sins. As punishment, forced to walk the earth in chains while seeing those he could have helped but didn’t and now being unable to do so. He tells Scrooge to change before it is too late.

Jacob says, “The common welfare should have been my business.” Helping people should have been more important than money.

I cannot tell you how many times I have watched others that are older than myself and said I do not want to make the same mistakes. I made different plans for my life and charted a different path.

When I get a chance to repay a kindness, I do it. Unlike Scrooge, it is rare in this life that you get a second chance. I try to do a good job the first time. Tell people the truth. Help them. Reach back and pull someone else up. They say you never get a second chance to make a first impression. A true statement indeed.

I read history to see what has been done in the past to avoid making those same mistakes in the future.

No regrets.

Most people’s number one regret on their deathbed is that they focused too much on work and money and not enough on their relationships. Please don’t be one of those people.

The best and biggest change in Scrooge after his ghostly visits is his generosity. The spirit of Christmas Yet to Come foretold of a bad future. He saw a life of sadness and loneliness and that his deeds directed his future of misery. He says he will remember what the spirits tell him and says, “I will not shut out the lessons that they teach!” Scrooge heeded the spirits words and mended his ways.

HAVE A FINANCIAL PLAN

Scrooge was the extreme version of frugality. He saved more than necessary and gave little. Scrooge hoarded every penny. His plan was to have as much money as possible, but that is only one piece of the puzzle. He planned for his money, but not his life. Life is complex. It requires money, yes, but also people because life is about building relationships.

Get a good education, then keep your head down and work. But don’t forget about developing your friendships and relationships.

The Cratchits were poor. Living off a miserable 15 shillings a week. They had a roof, food, and clothes, but no luxuries. They made use of everything they had. No wasteful spending. And were grateful for what they had: each other.

I try to only do what I’m passionate about. Will it get me closer to my goals? If not, I tend to not spend any money and instead find a way to economize. I spend on what is important, what I value, and what I need.

FORGIVENESS

To err is human, to forgive divine. – Alexander Pope

At the end of the story, Scrooge pledges a vow by saying, “I will honor Christmas in my heart, and try to keep it all the year.” A wonderful promise to make and keep indeed.

Do not ever be afraid or ashamed to ask for forgiveness. It is a sign of strength and growing maturity.

Dickens once said, “No space of regret can make amends for one life’s opportunity misused.” I believe that people should do what they are good at, cultivate their gifts, and help people with that gift. Use your gifts to solve problems creatively. And not just once a year, but all the days of the year.

So, in the words of Dickens, Merry Christmas!

And Happy Holidays from Greenbacks Magnet