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.
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.
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.
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.
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
1
Microsoft Corp.
2
Apple Inc.
3
Amazon.com Inc.
4
Alphabet Inc.
5
Facebook Inc.
6
Berkshire Hathaway Inc.
7
Johnson & Johnson
8
Exxon Mobil Corp.
9
JPMorgan Chase & Co.
10
Visa Inc.
Whatever you do just make sure you not just SPEND money but SAVE money.
Earn the spotlight on your own merits. You’ll feel better. – Serena
I was reading a book when I decided to take a walk down memory lane and watch Gossip Girl on Netflix.
For those of you that may not know or remember the show, Gossip Girl was a show about privileged American socialite teens at an elite and exclusive academic prep school in Manhattan’s Upper East Side (UES); whose every move was texted out through an eblast via tips to an anonymous site called Gossip Girl.
What is Gossip Girl and what it does?
What’s the difference between gossip and scandal? So glad you asked, UES Forever. Anyone can commit a minor indiscretion and generate a day’s worth of buzz. But in order for gossip to birth a true scandal, it requires the right person to be in the wrong place. – Gossip Girl
Live in such a way that you would not be ashamed to sell your parrot to the town gossip. – Will Rogers (1879-1935)
The show was on the WB, then the CW, and aired from September 19, 2007 through December 17, 2012. The show was narrated by Kristen Bell (as Gossip Girl). Scandals, scoops, and hemlines run amuck. The show may have had a serious lack of ethics, but it did make for some interesting television.
Gossip Girl is based on a popular book series of the same name written by Cecily von Ziegesar. The adapted television series in 2007 came about from the book series she started in 2002.
Gossip Girl will always have a special place in my heart.
It was in 2007 that I heard this line from the show: You know, Dad, there’s this thing called MySpace where you can post all of this information online. Save some trees, have a blog. – Dan Humphrey
It peaked my interest in blogging. Then, I started this one, Greenbacks Magnet, 9 years later.
Some of the dialogue may be a bit harsh in its tone and delivery, but there was some truth behind some of their words.
Gossip Girl likes to keep things classy and somewhat true. – Serena van der Woodsen played by Blake Lively
Serena is so grateful because she likes to see the best in people. I like to see the truth. – Blair
So, let’s get right into it.
MEET THE MONEY PLAYERS
You got me thinking. If my class is so important to you maybe I ought to make it worth your while. So for the next seven weeks it’s fewer models and martinis, more flow charts and footnotes.– Colin Forrestor played by Sam Page
Last month, on Thanksgiving Day, I decided to watch some Thanksgiving themed movies and television episodes. And I settled on watching Gossip Girl.
The series follows Upper East Siders throughout their never ending drama filled lives that is often self-inflicted. It Girl Serena van der Woodsen is centered around it all and is the star of the show. Her friends and family make up the rest of the cast.
One of my favorite scenes is actually from the first episode of the series. It was a face-off that was incredible between two young women and it set the tone for the show.
The 4 top-billed (in my opinion) and main cast includes the following:
Blake Lively as Serena van der Woodsen AKA S
Leighton Meester as Blair Waldorf AKA B
Chace Crawford as Nate Archibald AKA Golden Boy
Ed Westwick as Chuck Bass Always
If you pay close attention to their conversations, they are dropping some serious money gems.
These little nuggets of life and money wisdom, when interpreted and applied correctly, could transform lives and bank balances.
Let’s begin.
WORK FOR WHAT YOU WANT
Never in my 16,982 hours of schooling have I ever been sentenced to detention. – Blair
Throughout the show, the main cast is always discussing their futures and going to college.
It was almost incessant in the amount of pretentious ponderings of how to be sartorially correct while interviewing for a top spot as a Yalie. And yes, that is a quite accurate assessment of the character known as Blair on the show.
Blair would look and act so innocent and demure like she couldn’t melt butter, but her stare and looks were as cold as ice. Very entertaining.
Here she goes on one of her tirades.
I am so a better fit for Yale than that Rory. – Blair
Now, she’s belittling and disparaging the character of one of my favorite shows Gilmore Girls.
But enough of the $50 words. Let’s talk about the rest of the show.
They attend the fictitious Constance Billard School for Girls and St. Jude School for Boys. In addition, throughout the show you may hear them casually drop names of other schools.
In the Gossip Girl (book series) — it contains the line “two little Sacred Heart girls in their cute red and white checked pinafores were walking an enormous black Rottweiler” on page 86 in the first novel of the series.
Many of the parents are part of high-society and are on boards of prestigious organizations, own businesses, and live in penthouses. They go to great parties, opening nights to the ballet, and fashion week.
You get the impression that these kids know to base their lives around money and making sure to earn piles of it is a must.
They are tireless paragons of poshness. The parties are lavish, the lifestyle is glamorous, and the fashion is couture and expensive. Makes for a great show.
What I noticed was that everyone in one way or another was working hard at trying to make their own way in the world apart from their rich and or famous families.
They chased their dreams relentlessly. Like a boss.
And made huge sacrifices to get what they wanted.
Great leaders only need three hours of sleep! – Blair
They worked, started or interned at major businesses, magazines, for fashion designers, newspapers, literary writers, politicians, and fashion houses.
You’re not likely to get or keep those gigs for long if you are playing around.
“When and if we end up together, it has to be as equals.” – Blair
Yes, indeed. Be independent.
BET ON SELF
Here’s my advice: Have a little faith, and if that doesn’t work, have a lot of mimosas.– Blair in the Wild Brunch Season 1 Episode 2
My family is really into waffles. – Jenny Humphrey sister of Dan Humphrey played by Taylor Momsen
If you want something, go get it. Have some faith in yourself. And good food and conversation go together. I have learned a lot about people when having lunch with them. It’s a great way to build relationships. My favorite meal is brunch. I too love waffles!
Their membership is so restricted, it makes Soho House look like a halfway house. – Blair
They say of you want to increase membership to something then increase the selection criteria.
The Ivy League have made this an art form. As you see on this show, even the wealthy were concerned about their college admissions. There was even some talk of donations to a school to get in. In the end, you see deep down, we all have our insecurities. Accept it, and move on.
I have learned that I am no better than anybody else, but I am always just as good.
KNOW YOUR WORTH
You deserve someone who would move mountains for you if he had to. – Blair to Serena
Normal people don’t get an endless number of chances, no matter the situation. That’s just you. – Dan to Serena
I have heard people say that well-behaved women seldom make history. At least that is what Eleanor Roosevelt said. I guess you can take her word for it as her husband FDR made history.
“I have an idea for you: quit. Your boss is a bi*ch. Let’s go to lunch.”
I have actually done just that very thing. I quit a bad job. Got a better job. And never looked back.
“I’m not a stop along the way, I’m a destination.” – Blair
That line could be someone’s Bumble Bee bio. I call it sophisticated confidence.
“He ended up treating me like something he owned instead of something he earned.” -Blair
You’re worth more than a guest lecture fee, everyone knows that. – Dan to Serena
A man who own a tuxedo shows that he has the means and can afford to provide for his family – Blair in Belles Du Jour Season 4 Episode 1
One of my favorite lines from the show comes from none other than Nate Archibald while talking to Chuck Bass.
Excuse me? Where’s my boy? “Seal the deal.” “Tap that a$$.” “Money marries bigger money.”
Wow. Money marries bigger money. That’s kind of cold, but ok.
I could care less about his Bassets and probably he’s filtering his assets through some foreign government so I won’t know. – Blair on Chuck Bass.
S: So you hired escorts? B, you couldn’t just tell your mom you don’t have friends at NYU?
B: Prostitutes are people, too, and they have a lot of disposable income. – Serena and Blair
Yes, people are focused on income, A LOT.
Take a cue from them and subscribe to The Wall Street Journal, pick up Fortune, TIME, instead of a gossip magazine and follow financial experts on Twitter. Become a devoted student of money, and you can master the science of getting rich.
Jane Austen also so eloquently puts how much emphasis people put on income in two of her novels. And also how to treat others with or without money.
FOR THE LOVE OF HEADBANDS
I know you disapprove of me, but can’t you at least do so in a tuxedo?– Lily van der Woodsen played by Kelly Rutherford
This show loves their tuxedos. And themed parties. Masquerade. Kiss on the Lips. You name it.
It is often said when you look good, you feel good. Well, I concur. You feel more confident as well.
I remember going to a job interview where some folks didn’t take it seriously. I wore a nice dress and some of the men wore suits while others wore jeans.
After I got hired and when I later started the job, I noticed on my first day that all the people that got hired were the ones that were well-dressed.
If you know one thing about GG, you know it’s all about the fashion.
The well-heeled wear nice heels. Blair was known for her love of headbands. People were always giving her grief about it.
Your era is over, and so is that headband. – Jenny
No headbands in college, okay? – Dan to Blair
Et tu, Dan?
SvdW was known for her fantastic sense of style.
And she had more loose interpretation of a school uniform than any person on the planet. The Tie Goddess. See for yourself.
EDUCATION IS PRICELESS AND THE PRICE OF INTELLECTUALISM
S:Wow, and I thought college would be different from high school.
B:Who would want that? – Serena and Blair
These kids were not just applying to any colleges, but the Ivy League. They wanted to be HYPsters (Harvard, Yale, Princeton) or the like. What Blair called the Holy Trinity of colleges. Which are all expensive colleges. We are talking $50,000 USD per year or more.
It was a constant stressor of theirs during the shows first four seasons. Case in point, here is a list of the schools they were trying to get into or that their parents attended.
For instance, Serena wanted to go to Brown and that college and Harvard are where her parents went. Blair wanted Yale and Nate was considering UCLA over Dartmouth like his father. There was also talk of Columbia, Georgetown, and NYU on the show.
It just goes to show you that getting an education is still mighty important.
Serena van der Woodsen or SvdW for short – Brown University, Columbia University
SvdW parents attended – Harvard University and Brown University
Fun show Fact: SvdW dropped out of Brown at the last minute because she wanted to find herself and she felt that moving away to another city wouldn’t help her achieve that. The classic one-year hiatus otherwise known as the infamous gap year before entering college.
This is what Blair had to say to her about going there.
Your deductive-reasoning skills are perfect for a place like Brown. An enclave of trustafarians and children of celebrities who major in drum circles and semiotics, whatever that is. I can’t wait for you to come home next Thanksgiving a militant veganista, anemic and proud. – Blair
It left me speechless.
Blair Waldorf – Yale University, Columbia University, New York University (NYU), NYU – Tisch School of the Arts
Nate Archibald – Columbia University, Dartmouth
Chuck Bass – Columbia University
Dan Humphrey AKA Lonely Boy played by Penn Badgley – NYU
Vanessa Abrams played by Jessica Szohr – NYU
Eric van der Woodsen played by Connor Paolo – Sarah Lawrence
Some character’s shots at the sheepskin, in my opinion, and other honorable college mentions include:
I’m telling you, I learned everything I know about women from Judy Blume’s Forever. – Dan
According to List Challenges, “Gossip Girl” (2007 – 2012) : here is a listing of some of the favorite authors and books of the characters or simply the ones mentioned by them and showed along these 6 seasons, books studied in university, etc.
Many characters also name dropped or were caught reading well-known books by famous authors.
I love the Snowflake Ball. It reminds me of Anna Karenina, only by Anna Wintour. – Serena
Maybe if we become famous writers one day, they’ll publish [our letters] after we die, like Sartre and de Beauvoir. – Vanessa
They also liked to travel extensively. Especially, in Europe such as Paris, France. In addition, they speak more than one language such as French while in Paris.
Elliott’s the perfect mix of smart and fun: He speaks three languages, but he has a subscription to People magazine. – Eric
List of titles includes:
House of Mirth by Edith Wharton – read by Juliet Sharp played by Katie Cassidy
The Lorax by Dr. Suess – Mentioned by Dan
Colette by Gigi – Blair read this on a bench in Paris
Jane Austen books – Pride and Prejudice, Emma, Mansfield Park, Northanger Abbey, Persuasion
Charles Dickens novels – A Tale of Two Cities, A Christmas Carol, Oliver Twist, Les Grandes Espérances
C. S. Lewis books – The Chronicles of Narnia, Alice’s Adventures in Wonderland
William Shakespeare – Othello, Romeo and Juliet, MacBeth, Henry V, Hamlet, King Lear
A few other famous works, Rabbit Redux by John Updike, Cyrano De Bergerac by Edmond Rostand, Les Liaisons Dangereuses, The Crucible (Arthur Miller), Wuthering Heights (Emily Bronte), I Know Why the Caged Bird Sings by Dr. Maya Angelou, The Art of War, The Crucible (Arthur Miller), Madame Bovary, The Old Man and the Sea (Ernest Hemingway), The Beautiful and Damned (F. Scott Fitzgerald), Cinderella (Charles Perrault),The Canterbury Tales by Geoffrey Chaucer, Faust, In Cold Blood by Truman Capote, Anna Karenina by Tolstoy, Walden, The Great Gatsby (F. Scott Fitzgerald), and Beloved by Toni Morrison.
There, I have just given you a reading list that every good high school student or Ivy League hopeful should have. Some of which I have read. My favorite author is Jane Austen. A close second is Louisa May Alcott, as I just love Little Women and the 1994 film starring Winona Ryder. But Austen’s Sense and Sensibility (1995) just amazes me every time. That along with Pride and Prejudice (2005) and Emma (1996).
The rich seem to be highly educated. They also tend to get ahead in life. Therefore, be well-read.
However, these trust fund babies did end up leaving college and higher education after a while to set out for their own fortunes in the real world.
For people like us a college degree is just an accessory. – Chuck
So, this too let’s you know that it is not always about what you know, but who you know.
You never know who you may run into at expensive coffee shops, libraries, restaurants, college, and hotels like the Palace in New York.
So, go build up those relationships.
MONEY AND RELATIONSHIPS
Just to clarify, I do think you deserve to be with someone who makes you happy. – Dan
True words indeed.
I read, like, five self-help blogs on how to turn friends into lovers. Yes, they used that word. – Dan
Come on, Cece’s heart pumps secrets and gin. – Dan
And there was lots of secrets on this show. Relationships and secrets were everywhere.
Sex is meaningful, like art. And you don’t rush art.– Dan
All great things are built or done slowly.
If you watched this show, then you may remember the season 3 episode with Lady Gaga. Here is her take on relationships that is so Blair Waldorf.
“Some women choose to follow men, and some women choose to follow their dreams. If you’re wondering which way to go, remember that your career will never wake up and tell you that it doesn’t love you anymore.” ― Lady Gaga
Marriage
Settling down means death. Less sex, more silence. – Blair on marriage
Blair also had some of the best lines on the show. EVERY. SINGLE. EPISODE.
Case in point, check this out.
And she actually said this too.
That’s the thing. You need to be cold to be queen. Anne Boleyn thought only with her heart, and she got her head chopped off. So her daughter Elizabeth made a vow never to marry a man. She married a country. Forget boys. Keep your eye on the prize, Jenny Humphrey. You can’t make people love you, but you can make them fear you. For what it’s worth, you’re my queen. I choose you. – Blair
As, I am a history buff and studied up on Queen Elizabeth I of England, my mouth fell open when she said this.
Check it out here.
And I am not the only one who feels she should get some praise for her talented banter.
C: It’s a facility for the disturbed or addicted.
B: You must have your own wing.
C: You don’t get enough credit for your wit.
– Chuck and Blair
If you go back with an uncertain heart, there will be drama and disaster for all. – Blair
You better believe it. In life and relationships, to be successful, you have to commit.
LOVE
B:Love me?
C:Always.
– Blair and Chuck
They were the best characters on the show, in my humble opinion. The two of them together was gold. Take a look for yourself.
But ultimately, I have learned that love is what we are all looking for.
MONEY DOESN’T BUY HAPPINESS
Trouble is moving in, and it’s looking to make the Upper East Side it’s bi*ch.– Gossip Girl
You would think that folks in tuxedos and ball gowns are the happiest, but these people seemed so unhappy.
Happiness can’t be measured in things. It comes from having the things that really matter like people who love you for who you are.
Doing the right thing takes courage and strength. At least that’s what I’ve heard. – Blair
Well, I hope you had fun going down memory lane with me and I will bid you adieu in the best possible way to end this post.
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.
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?
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.
“Give a man a fish and you feed him for a day. Teach a man to fish and you feed him for a lifetime.” Chinese Proverb
“What you do not wish for yourself, do not do to others.” Confucius
Anyone out there that has been reading my blog, you can probably tell by now that I am a big fan of cartoons. I even named my blog after a scene in one. See my Meet Miriam page for more on how I came up with the name Greenbacks Magnet.
Anyhow, if you grew up in the 80s or 90s, then you may remember a Saturday morning anthology television show that aired on the CBS network called: CBS Storybreak.
It originally aired from 1985 to 1987 and was hosted by none other than Captain Kangaroo, Mr. Bob Keeshan.
Each episode was 30 minutes long and retold a beloved children’s story in animated adaptations.
It was later rebroadcast from 1993 to 1994 and was again returned to air in reruns in 1997 to 1998. This time it was hosted by actor Malcolm Jamal-Warner.
YEH-SHEN
My favorite episode of the series was entitled, “Yeh-Shen: A Cinderella Story From China.”
Yeh-Shen is a Chinese fairy tale that is similar to the European Cinderella story.
The one adapted on the anthology series, Yeh-Shen: A Cinderella Story From China, retold by Ai-Ling Louie and illustrated by Ed Young, is a well-known children’s picture book adaptation of the fairy tale, which was originally published in 1982.
If you are unfamiliar with the story or the animated series, a kind soul uploaded it to YouTube, and I have linked it here for you to see.
Fast Fact: One of the voices in this 1985 animated anthology of Yeh-Shen, was played by actress Emily Kuroda. She played Mrs. Kim on Gilmore Girls.
Mrs. Kim ran a tight ship, but was hilarious.
And Gilmore Girls happens to be one of my favorite shows. I want this website to be the Gilmore Girls of blogs, as there will be enough pop culture references in here to make your head spin, but that, like Lorelai and Rory, is how my mind works.
Now let’s get to the story.
VIRTUE CAN BE SEEN IN RAGS AS WELL AS SILK
“I believe that virtue shows quite as well in rags and patches as she does in purple and fine linen.” – Charles Dickens
Yeh-Shen always kept a neat and clean appearance. She kept her place in the home tidy. She also told the truth. And always acted with dignity and grace. People noticed, including nobility. And not just any noble, A King. Ursula said it best, starting at 1:02 minutes.
I learned to keep a clean appearance at all times and take very good care of myself. I regularly get exercise, read, brush my teeth, and eat my three square meals a day. And people notice, including my partner. My appearance is one of the things that attracted my boyfriend to me.
FRIENDS ARE IMPORTANT
Yeh-Shen’s only friend is a fish named Gold Eyes. He is a spirit that is there to look out for her, that was sent by her mother, as a way for her to look after her beyond the grave.
Gold Eyes always helped Yeh-Shen. He would assist her with her laundry, give her food and advice, or provide anything else she needed help with.
She would share her meager breakfast with him, even though she had so little for herself. She was a good and kind person and a dear friend. In return, Gold Eyes held her in high regard and was always there for her in return. He tells her she deserves better and one day will have it.
From this, I learned how important friendship is. True friends are there in good times and bad.
It’s like Oprah Winfrey said, “Everyone wants to ride with you in the limo, but what you want is someone who will take the bus with you when the limo breaks down.”
Agreed.
POVERTY IS HARD
However, there is no shame in being poor.
Upon the death of her parents, Ye-Shen is poor. She becomes a lowly servant to her stepmother and her daughter. No matter the amount of work placed upon her, she does her duties, and does them well.
It didn’t matter how hard Yeh-Shen worked or how obedient she was. She was treated badly simply because she was poor.
A man in town even looked her over because he said he was looking for a beautiful wife and not a pretty servant.
From this, I learned two things: (1) A job worth doing is worth doing well, and (2) do all you can to change your station in life. You may be born into poverty, but only you can determine if you remain that way forever.
Might I suggest reading biographies and books about money. And get your education. A good one.
MANNERS MATTER
Every time someone spoke to Ye-Shen, she spoke elegantly and courteously. No disrespect. People remembered and appreciated that about her.
Those manners got her far. She was able to escape trouble, punishment, and land the attention of a handsome noble from minding her manners.
MIND YOUR BUSINESS
Her stepsister did not want Yeh-Shen to go to the festival because that is where people go to find a husband or wife. She said, “she couldn’t handle that type of competition.”
In addition, when she finds out about Yeh-Shen’s fish, she tells her mother, who then gets rid of him. In the end, it turned out to be fortuitous for Yeh-Shen.
Do not focus so much on others. Mind your own business. Run your own race. You could be getting yourself together and becoming your own success, if you focus less on what others are doing.
POSITIVE AFFIRMATIONS
In the show, her stepsister repeats this phrase after her mother tells her she wants to hear positive thinking and not any negative thinking, “I will find a husband, I will be a bride.”
To this day, I practice my affirmations. I actually learned this from Yeh-Shen. I reject negative thinking and focus on being positive. Optimism gets results. Negativity does not.
MISERY LOVES COMPANY
When the stepmother learns of Yeh-Shen’s talking fish she decides to get rid of him. Leaving Yeh-Shen all alone.
Those who are unhappy, don’t want to be alone in their unhappiness. It is your job to get away from them. They will only drag you down.
FATE
Gold Eyes turns into magical bones. He tells Yeh-Shen not to despair, as this was his fate. He is still there with her, even though only in spirit.
Like Doris Day said, “Que será, será, Whatever will be, will be, The future’s not ours to see.”
You cannot control what is meant to be, but you can control your actions and how you respond to others. Stay in control. Have a cool head. Control your emotions, control your life.
KINDNESS
Gold Eyes tells Yeh-Shen that he must repay her kindness. Her stepmother would feed her very little. Therefore, Gold Eyes would provide huge meals for her as a way to compensate for this slight.
Even after all they put her through, she asked Gold Eyes if she should share with her stepmother and sister. He replies by telling her, “Did they share me with you? No. This gift is from me to you.”
He says to her that she can ask for something more, but she says, “this is all I need.”
Being nice has its rewards. I always repay a kindness. However, there is a thing as being too nice. You have to set limits and boundaries with people. In addition, you must also stand up for yourself. You can be nice, but don’t be anybody’s fool. Also, only take what you need. No need to be greedy.
DO NOT BE EASILY PROVOKED
Throughout the entire episode, she is repeatedly reprimanded, punished, neglected, scolded, and insulted. She never responds to this.
Sometimes you have to be man or woman enough to walk away. You must pick your battles. Live to fight another day. Move on.
YOU MUST GIVE TO GET
When Gold Eyes tells her she deserves more and that they should not treat her so bad she says she knows. But she was an orphan and they gave her a home.
He offers to do her chores for her, but she says she does not mind doing manual labor, for now. She hopes to find a husband (her true love) at the festival. He concedes and tells her if that is her destiny so be it.
She is offered the world on a silver platter and turns it down. She wants to make her own future on her terms. It is best to keep your head down and work. You must give to get. That is just how the universe and karma works.
BROKEN PROMISES AND DREAMS
She helps her stepsister get ready for the festival. After, she is done, she says she must get herself ready and asks if it is still alright for her to go, as her stepmother promised.
Her stepmother breaks her promise. She tells Yeh-Shen she can go to the next one, or the ones after, but this this one for this year. Yeh-Shen was looking forward to that festival all year. Hope was thoroughly dashed. Yes, this can happen in life.
A TIME TO BE DISOBEDIENT
When her family leaves to go to the festival, Gold Eyes tells her she should go. She says she has nothing to wear. He then magically turns his bones into golden slippers, which transforms her plain clothes into a gorgeous dress. She disobeys her stepmother and leaves to go to the festival.
In life, there is a time to act. You must decide if you are going to break the rules. And if you are, you better make sure it’s for a good reason.
DEMURE AND CHARMING
At the festival, her family sees the man referred to as The Handsomest One. She then gives a toothy smile and he scowls at her. It was hilarious.
Her mother then says your supposed to charm not scare him. She then goes on to say, “Let’s try the not handsome, but rich crowd.” Come on, really?
Then enter Yeh-Shen all dolled up. Yeh-Shen, who is usually demure, looks confident and sophisticated. A far cry from the reserved creature you are used to seeing in this episode.
Her mother remarks that, “There is the prize winner. She will get the handsomest, richest husband.” She says to her unmarried daughter, “Why can’t you look like that?” Who smartly remarks, “because I was born from you.” Her mother then pinches her.
Oh yea, for a drama it also has quite a bit of comedy. It’s a dramedy for sure.
HATERS GONNA HATE
When Yeh-Shen walks her stepsister says that she had hot nothing to do all day, but take dancing lessons and be pampered. Come on. Hating like that will give you wrinkles unmarried daughter.
It doesn’t matter how nice you are or what you do for people. Some people just are some haters! Ignore them. They hate us, cause they ain’t us. I say don’t hate, congratulate. Figure what they doing so you can see what makes them so successful and find the secret recipe, so you can copy it.
PRICELESS
At the festival, she runs away and loses one of the gold slippers. A man finds it and sells it to the merchant. The merchant then gives it as a gift to the King.
The gold slipper is referred to as priceless. And it is. Rare indeed. When something is priceless, you don’t just give it away to anyone. The merchant gave it to someone he felt was worthy.
A GIFT FIT FOR A KING
The King feels that the slipper must belong to someone of great beauty and wealth. He decides to find the owner. Who just so happens to be Yeh-Shen; who is also looking for a golden slipper.
If something is lost, then you may decide to return it to its owner. However, do not think that it will come with a reward or be some fairy tale, happy ending. All that glitters may not be gold. In this case, the owner was a poor, orphaned, peasant girl. But there is more to her than people can see.
SEEK AND YOU SHALL FIND
Yeh-Shen asks around town to find the other slipper She finds a man who sold it to the merchant. He then tells her he gave it as gift to the King. She says she must acquire it from the King. The merchant tells her to go to palace to go try it on. She says, “Thank you sir, I shall.”
If you want something, go and get it. Sitting on your laurels has never helped anyone.
THE POOR HAVE NO VOICE
Yeh-Shen waits in line all day to try on the slipper, but is denied. She then tries to take it. The palace guards accuse her of trying to steal it. They called her a girl in rags. She tells them the slipper belongs to her friend, a dead fish, as the slipper design is like the scales of a fish. They lock her in the dungeon.
First, if she had been a woman of nobility, she would not have been treated this way. To be poor is not a crime. However, if you want to be heard, you must ask the right way.
Second, you cannot even look as if you are attempting to steal something. There is a saying that, if you’ll lie, you’ll steal and if you’ll steal, you’ll kill. Do not even give people a reason to think that.
MERCY
The King says to have her released in the morning. A guard tells her in a curt tone to get out and stay away. She merely bows.
Like in the Karate Kid (1984), there is a time to show mercy. A tense situation arises between an adult and a teen. And they needed an adult at the wheel. Mr. Miyagi was that adult.
And for those who do not know Mr. Miyagi, this is for you. Please do not be like that kid on that episode of Supernatural.
For those of you who do not know or may not remember, here is the scene of Mr. Miyagi teaching Daniel son another life lesson.
A TRAP SO TINDER
Better than any tinder app could do, the results of this match are written in the stars. Slide left, I mean right. Don’t want to make that mistake.
The King sets a trap to leave the slipper unattended so Yeh-Shen will take it and he will then follow her to see what she does and why it’s so important to her. That’s smart.
And pretty slick, if you ask me. Reminds me of that scene in Hackers (1995).
PATIENCE
They wait. She takes the slipper. They follow.
Anything worth having is worth the wait.
IT DOESN’T BELONG TO YOU
After getting the slipper back, her step family find her out. Her stepmother is happy to have a matching pair of gold slippers. She says their fortune is made and their ticket out of the cave. She will sell to the King.
You do not own and cannot sell what is not rightfully yours.
NO THIEF HERE
The King stops the squabbling between Yeh-Shen and her stepmother. She tells him she is no thief. She needs to have the slippers together so that her friend can go return to the pond of his forefathers.
Sounds crazy, I know. However, when in doubt, tell the truth.
WHO ARE YOU?
The problem with playing games is that you get hurt too. – Common (actor, rapper, entrepreneur)
She tells the King who she is. No more games or pretending.
He asked. She answered. Tell people who you are.
GET TO THE ROOT OF THE PROBLEM
The King asks her, “What are these slippers to you?” She says they belong to her friend. Explains her story to the king.
That’s right. Tell people your story. Share what you are trying to do. You will be surprised how much people are willing to help you when you are doing the right thing. Also, when you know the truth, then you can deal with it.
DO THE RIGHT THING
The King tells her if that is what she must do with the slippers, then do so. He then says “but first, place them on your feet.”
She obliges and transforms back into the woman seen at the festival that day in the beautiful dress.
The look on her stepmother and stepsister faces are priceless!!!
The King could have decided not to believe her, but he listened. Do the right thing because it is the right thing to do and not for any prize or reward. Doing the right thing is its own reward.
SECRETS REVEALED AND DESTINY
Gold Eyes magically appears as a spirit and thanks Yeh-Shen. All secrets are now revealed. He tells her now he can go. As her dreams are about to come true.
If you are meant to have it, no one can stop you from your destiny.
The truth is out, now you can deal with it.
MARRIAGE MATERIAL
Her stepmother tells her that the clothing that Gold Eyes gave Yeh-Shen belongs to her because she is her guardian.
The King says no as she is a free person. She must then step aside.
The King says, “Your friend, the mystical fish has brought you into my life for a reason.” He then steps up to the plate, wasting no more time and asks for her hand in marriage. She says yes.
The show ends by letting the audience know to visit your local library or book store. Book recommendations are provided by the Library of Congress. If you like this tale, then read Cinderella by The Brothers Grimm.
I, myself, am a huge fan of the fairy tales. I like Hans Christian Anderson and the Grimm Brothers. Particularly, the Grimm Fairy Tale Classics cartoon, but that’s another story.
“Think of giving not as a duty but as a privilege.” John D. Rockefeller
“I believe that it is my duty to make money and use it for the benefit of my neighbors. This is what my conscience tells me.” John D. Rockefeller
“No one is useless in this world who lightens the burdens of another.” Charles Dickens
Every now and then I read stories that just lifts my heart. Recently there have been articles of heroes saving lives and people donating to charitable causes close to their heart. It reminded me of a story I heard about many years ago, but is still very inspiring today.
This article was reported on the front page of the New York Times in 1995:
She may be gone, but her act of charity is remembered. This tweet is from 2017. Ms. McCarty passed away in 1999. Therefore, the good you do is still remembered long after you are gone.
Oseola McCarty, a Washerwoman Who Gave All She Had to Help Others, Dies at 91 https://t.co/M8tYhMnUaw
Her name was Oseola McCarty. And here is her story.
MEET OSEOLA MCCARTY
Oseola McCarty was born on March 7, 1908 in Mississippi. As a young child, she had to quit school in order to tend to a sick family member. Quitting school in the sixth grade, she went straight to work as a laundress like her grandmother before her. She would go on to do this for about 75 years. Leaving school was one of her biggest regrets. She wanted to go back, but all the kids in her class had moved on ahead and so she didn’t go back because she wanted to be with her class. She decided to just keep working.
HOW SHE SAVED $150,000
She was never idle. She was working since she was a young child until she retired in 1994. She worked for many years and just put almost every dollar she made into the bank. She learned to save from her mother and kept the habit for life.
The following is what she did over 70 years:
She took one short vacation to Niagara Falls
She did not travel
She did not fly on planes
She did not stay in hotels
She never owned a car (she walked everywhere)
All her immediate family passed away and she never married or had children
She had lived alone since 1967
She lived in a family home her uncle gave her in 1947 for the rest of her life
Money she received from the passing of her mother and aunt went into savings
She spent almost nothing and lived very frugally
Repaired instead of replaced items for brand new ones
Covered her old bible in Scotch tape to keep Corinthians from falling out
Cut wholes in her shoes if they did not fit
Bought her first air-conditioner in 1992 and only uses it when company comes over
Owns one tiny black and white television (that only gets one channel) but she rarely watches
She did not retire until she was around 85 years old
Keeps her utility bills low
Never subscribed to a newspaper because it cost too much (an extravagance)
She would pay her bills and deposit the rest of her money (even coins) into savings
Over time this grew into $280,000
How she donated her life savings
One day she decided she would gift her money to a local university. Not as a bequest, but immediately as she wanted to be alive to see a recipient graduate from college as he one wish. In July 1995, she would go on to start a scholarship fund to help finance college tuition for students, preferably of African-American descent, who would be unable to attend college due to financial hardship. at the University of Mississippi. When asked why she chose that school, she simply said, because it was close.
A banker at one of her financial institutions assisted her. In 1995, he wanted to help an 87-year-old Ms. McCarty, but was unsure how to assist a woman with a fifth-grade education through estate planning. He came up with the novel idea of giving her 10 dimes, each representing 10 percent of her assets. He gave her five slips of paper to write down the names of the beneficiaries and divide up the coins. She deposited one dime to her church, one for each of her cousins and the last six for a scholarship fund, after setting aside enough money to live on.
She signed an irrevocable living trust and the bank managed her funds while she received a regular check for her living expenses.
WHY SHE DONATED
She decided to give because she knew the importance of education. She had struggled all her life doing manual labor (scrubbing laundry by hand on a scrub board). She did not want that for the younger generation coming up so she gifted them money to help them not have to do what she did and get a degree she was never able to get herself.
Oseola McCarty (1908-1999), an 88 yr old woman set up a $100k scholarship fund on an income of $10 an hr washing clothes.
The news hit the media and overnight she went from obscurity to a celebrity. She wanted no monuments or other recognition’s of her selflessness, but they came to her.
Once word spread of what she had done, it spread far and fast. Accolades and recognition for her act of charity in anticipation of her death was almost immediate. Goodness and kindness tend to spread. There was a chain reaction to her charitable action that had people wanting to reciprocate what she had done by also donating. This is what happened over four years:
She was honored by the United Nations
She received more than 300 awards
Contributions poured in from other donations adding almost $330,000 to her gift
Ted Turner donated a billion dollars to charity after hearing her act of philanthropy
She received the Presidential Citizen’s Medal, the nation’s second-highest civilian award
She received an honorary doctorate from Harvard University
She carried the Olympic torch through part of Mississippi in 1996
In December 1996, hers was the hand on the switch that dropped the ball in Times Square in New York’s New Year’s Eve celebration (also the first time she stayed up past midnight, rode an airplane, and stayed in a hotel)
McCarty received the Award for Greatest Public Service Benefiting the Disadvantaged, an award given out annually by Jefferson Awards
She was awarded an honorary degree from USM, the first such degree awarded by the university in 1998
McCarty was also recognized with an Essence Award and Patti LaBelle sang tribute to her during the ceremony at Madison Square Garden in New York.
Ms. McCarty gave out pearls of wisdom, if people wanted to listen, but mostly it was common decency and sense she had said. She also said you should know the difference between a need and a want. Just because something is free does not mean you need it. It is okay to turn down something that is free, if you really do not need it. ”There’s a lot of talk about self-esteem these days,” she once said. ”It seems pretty basic to me. If you want to feel proud of yourself, you’ve got to do things you can be proud of. Feelings follow actions.”
It was reported that her home will be turned into a museum.
When asked what she wanted to do with her money right before she donated it, Ms. McCarty replied: “I want to help some child go to college.”
And just in case you were wondering, the recipient of the very first Oseola McCarty award not only met Ms. McCarty in person to say thank you, but she also went to the University of Mississippi and graduated. Ms. Oseola McCarty also lived long enough to get her wish: to live to see a recipient graduate.
