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Film Reviews, Financial Freedom, Financial Independence, Retirement, Saving

Money Mayhem And Mishaps: Money Lessons From Adventures In Babysitting

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I have never been much of a babysitter. Looking back, I think it all started with seeing the sensational film called Adventures in Babysitting.

The film was released in theaters on July 3, 1987. I remember consonantly watching this movie on cable in the 90’s while growing up. Adventures in Babysitting (also known as A Night on the Town in certain countries) is a 1987 American comedy film written by David Simkins, directed by Chris Columbus (in his directorial debut), and starring Elisabeth Shue, Maia Brewton, Keith Coogan, Anthony Rapp, Penelope Ann Miller, Bradley Whitford, and brief cameos by blues singer/guitarist Albert Collins and singer-songwriter Southside Johnny Lyon.

Tonight we will talk about 5 lessons from the film that has stuck with me.

Why do I love this movie so much?

The sheer adrenaline rush of one long night of misadventures, a Thor reference, and nonstop chaos are what good 80’s movies are all about!

So put down that tub of Haagen Dazs ice cream and slice of pizza because I am about to take you on the babysitting ride and night of your life!!

FINANCE LESSON ONE: DATE NIGHT ON A BUDGET

Ah yes, the proverbial date night is a time-honored tradition that starts in puberty and goes all the way through the ages and well into marriage.

The movie starts when seventeen-year-old Chris Parker (Elisabeth Shue from The Karate Kid) get a call from her boyfriend (Bradley Whitford) that he has to cancel their date on their anniversary. What type of guy cancels on a girl on their anniversary? You will have to watch the movie to find out. Sorry no spoilers for that part here.

Opening credits

Speaking of date night, please do not get suckered into thinking you must impress the person you are with by picking up your date in a $50,000 BMW convertible, taking her to an expensive restaurant and buying equally expensive flowers.

For the right guy, I would settle for movie and a pizza. Just a small tip: Frugal couples tend to be the happiest couples. 😉

See my post Beamers, Benz, And Bentleys Or A GMC Truck?

Fun Fact: I got to meet the cast of The Karate Kid at AwesomeCon in DC this past April 2019. They were exactly as you would expect: Fabulous. Totally cool, easy to talk to, upbeat, and just decent human beings. I even got a photo taken with William Zabka and got Ralph Macchio to sign my photo of My Cousin Vinny! Are you sure about that 5 minutes?! 🤣

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As sure as I am that this post has 5 lessons!!

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Keep reading and find out! 😉

Instead of hanging out with her best friend Brenda (Penelope Ann Miller) her mother convinces her to babysit the Andersons’ daughter, 8-year-old Sara (Maia Brewton), while they attend a party in downtown Chicago.

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To which Chris replies, “I’m too old to babysit.” Honey, you ain’t seen nothing yet! 🤣

This was the worst babysitting gig on the planet. But Chris pulled through like a champ. Let’s see if you can keep up with the plot details.

Chris is set to babysit Sara. Her older brother, Fifteen-year-old Brad Anderson (Keith Coogan), has a massive crush on Chris. His friend Daryl (Anthony Rapp) comes by carrying his dad’s Playboy with a woman in it that looks just like Chris. Her best friend Brenda, who ran away to the bus station downtown because she just can’t take it anymore at home, calls her frantically from inside a phone booth (which doubles as a homeless man’s home) to come pick her up from downtown. They are in a race against time to get downtown before Brad and Sara’s parents get back.

And did I mention that on the way they get a flat tire, get a ride from a one-hooked truck driver whose wife is cheating on him so he pulls a gun on the guy while they’re in the car. And a car thief steals the Cadillac they are hiding in while they are still in it! All this is happening while she needs to get her mom’s station wagon towed and fixed. Oops, I meant to say her mom’s car! 🤣

She says that line throughout the entire film with suck shock and dismay that I laugh every time!

Hi-jinks ensue when you are the babysitter in this tale. So if anyone every recommends babysitting to me as a side hustle, no thanks. I’ll pass.

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FINANCE LESSON TWO: A FRIEND IN NEED

Once Chris gets that phone call from Brenda, that’s when all hell breaks loose!!!

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Her mom’s car gets a flat, they are taken to a chop shop in a stolen car, escape from car thieves and then they enter a blues club where the band on stage won’t let them leave until they sing the blues.

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Daryl starts talking t a streetwalker but that gets cut short as they are being chased by the car thieves because they know where they are located so they hop on the Chicago L train and get put into the middle of a gang fight. One of the best scenes of the movie happens right here. Don’t F#*k with the babysitter! 🤣

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The list goes on and on. All the while Brenda is still stuck downtown having her own adventures.

Let’s start with the fact that Chris would not have had these issues had Brenda not chose to run away. This caused her mom’s car to get a flat on the freeway, her windshield to get shot out, and that would cost her $50 bucks!

They end up running into a fraternity party where Chris befriends a guy there played by actor George Newbern (voice of Ren in Pirates of Dark Water). Hearing of her plight he offers to donate $45 to her cause.

See my post Money and Life Lessons From The Pirates Of Dark Water

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Now that’s a real stand-up guy.

Sometimes you just got to be a pal.

This is truly where the term a friend in need is a friend in deed applies. He decided to help her out with no hesitation and asked for nothing in return.

This is the part in the film where I’m like “Ferris Bueller you’re my hero!” 🤣

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One of my favorite parts was when she said I will just use the money I have in my account to pay for everything, but when she looks at her checkbook she sees she doesn’t have enough.

So let this be a life lesson for you all out there; never leave home without cash and a credit card.

I learned this lesson from Arnold Schwarzenegger as he says he never leaves home without a credit card and at least $1,000 in cash just in case.

See my post on How Arnold Schwarzenegger Totally Recalls making $20 Million-Dollar Paychecks

FINANCE LESSON THREE: A DAY LATE AND A $5 DOLLARS SHORT

Dan, the fraternity guy, drops the gang off at the garage.

She explains to the owner, a Thor look alike, much to the delight of Sara, she is $5 short. He refuses to give them the car until Sara offers up her Thor helmet as a peace offering and selfless gift. He then gives them their car.

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There are times when despite our best efforts we come up short.

However, like in the song Izzo (H.O.V.A.), JayZ said, “Plus if they was short with cheese I would work with them.”

Sometime you just got to help a brother out! Or in this case, a babysitter.

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FINANCE LESSON FOUR: DO WHAT YOU GOT TO DO

After getting the car back, Chris spots her boyfriend in a restaurant with another girl. The gang goes in and confronts him.

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While the shenanigans with Mike ensues, Sara slips away and while looking at toys in a display window gets spotted by the car thieves.

Come on, Chris! You should have some sort of plan in case you and the kids get separated.

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She then runs to her parents building and scales the side while trying to get away from the thieves. Chris goes after her by climbing down the side of the building herself. Talk about going the extra mile!

From personal experience, I know how hard it is out here. You have to make a dollar out of fifteen cents!

But I am here to tell you, “Dearly beloved, we have gathered here today To get through this thing called life” and if the elevator tries to bring you down GO crazy!!! haha Thank you Prince for those inspiring words.

Because I thought Chris was insane for scaling a building, but hey, you do what you’ve got to do out here. Like Prince said in the song Let’s Go Crazy, “In this life, you’re on your own.”

In my own experience, I had to work at a gas station to pay the bills.

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It didn’t matter if I had to scrub toilets, sell hot dogs, or sell home security systems door-to-door (yes I did that too), I did what I had to do to survive.

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Wasn’t nothing going on but the rent and it’s due on the first!

You are too good for nothing when it comes to your family and finances.

You have to put food on the table.

Go get two jobs if you have too!!!

But you take care of your obligations.

My father always told me responsibilities first, fun later.

I also cold-called jobs to see about getting gigs.

That is how I ended up getting one selling cell phones. In addition, I met people that would end up becoming life long friends.

Doing what you have to do, rolling up your sleeves, and putting in the work always gets rewards.

FINANCE LESSON FIVE: A RACE AGAINST TIME

They get Sara and the kids retrieve Brenda from the bus station and rush home, narrowly avoiding the Andersons on Interstate 290.

And Chris has everything taken care of right before Sara and Brad’s parents walk through the door.

As Chris says goodnight to the kids, Brad tells her he understands about her not returning his crush and that if they see each other at school the next day, it’s okay if she ignores him. But Chris smiles and tells him she doesn’t ignore her friends. Damn straight!!

As Chris is leaving, Dan arrives with one of Sara’s missing skates. He says he needs a babysitter and is disappointed when Chris says she is retired; he confesses the babysitter was for him. Chris decides that retirement can wait and gladly agrees to babysit Dan. Sara was delighted to see here missing skate and tells Chris to reward him with a kiss. With Sara’s encouragement, Chris and Dan kiss outside as Brad closes the blinds giving them some privacy.

Inadvertently, Chris got that kiss she wanted in the beginning of the film as the song was saying in the opening credits, but from another man instead of that jerk she dated.

The last lesson of the night; focus on your retirement.

Much like Chris came out of babysitting retirement, you too must not call it quits until you have made sure everything you need and want is in place.

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You are in a race against time my friends to get out of the rat race sooner rather than later and that can only happen if you plan ahead.

I used an online calculator and found that if you start at $0 and invest $8,500 for 30 years at an 8% return, you will have $1,039,939.88. That’s right, you will be a millionaire!

If you can save $20,000 a year, this includes an employer match as does the previous retirement example, you hit the seven-figure milestone in 20 years! You would be free to be you.

Now this is an adventure worth taking.

The retire early adventure.

Inputs
Current Principal: $
0.00
Annual Addition: $
8,500.00
Years to grow:
30
Interest Rate:
8%
Compound interest
1 time(s) annually
Make additions at start end of each compounding period

Results
Future Value: $ 1,039,939.88

Fictional characters Cartoons and Money, Financial Freedom

What I loved about Saturday Morning cartoons

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Generosity has built America. When we fail to invest in children, we have to pay the cost. – Bob Keeshan, Captain Kangaroo

If you grew up in the 1960s through the 1990s, then you know all about Saturday morning cartoons.

They aired between 8 am and noon. It was one of my favorite things to do besides playing video games on Saturday mornings. The best part about those cartoons were the lessons they taught. At least, that is my opinion. I later found out that programs that are geared towards children are required to be educational. I appreciated that. 😉

Those cartoons helped shape the person I am today. The name of my blog even comes from an animated episode of X-Men, and the character Magneto.

If you read my Meet Miriam page, then you already know some of my favorites. Here is a quick recap of some of those toons.

Memories…

Muppet Babies – Baby versions of Jim Henson’s Muppets imagine themselves in fantastic situations. The show aired from September 15, 1984 to November 2, 1991. The show had episodes that discussed morals, teamwork, love, friendship, and ethics.

Jem and the Holograms – Adventures of a music company owner who uses a holographic computer to live a secret life as a rock star originally aired from 1985-88. Jerrica Benton owns Starlight music and is the leader of the rock band Jem and the Holograms. Jem is her alter ego. Her earrings produce holographic images of anything Jem requests. In addition, she ran Starlight house, a home for foster girls. The show ran from October 6, 1985 to May 2, 1988.

G.I. Joe – Animated series from the mid-1980s tells the saga of a fearless, globe-trotting special missions force — called G.I. Joe — which works to combat Cobra, an organization with an evil commander bent on world domination. On land, on sea, and in the air — whenever trouble breaks out around the world, G.I. Joe is there, ready to battle for ideals that America values. The show aired from September 12, 1983 to November 20, 1986.

ThunderCats – “ThunderCats” follows the adventures of a group of catlike humanoid aliens from the planet Thundera. When the dying planet meets its end, the group, known as the ThunderCats, is forced to flee its homeland. The end up on Third Earth and are constantly attacked by the Mutants of Plun-Darr and Mum-Ra. This show was very mature. It was well-written, story-driven, incredible tales of humility, strength, endurance, morality, and ethics. The show aired from January 23, 1985 to September 30, 1988.

I cannot stress enough how vital it was for me to watch these cartoons growing up. Sure, I went to school, read books, and went outside to play, but cartoons just stimulated my interest like nothing else. I love to be entertained. That is one great way to teach me.

Like Nirvana said, “entertain us.”

See my post on How Dave Grohl turned Passion into Profits

One of the biggest influences during this era was Captain Kangaroo, which was a character played by Bob Keeshan. He was no Mr. Rogers, but he had a way with words. He was able to captivate an audience of 3 year-olds and believe me that is no small thing to do.

Without further ado, I bring you what I love about Saturday morning cartoons.

But first…

WHO IS BOB KEESHAN?

Parents are the ultimate role models for children. Every word, movement and action has an effect. No other person or outside force has a greater influence on a child than the parent. – Bob Keeshan

The best teacher is an entertainer. – Bob Keeshan

Robert James Keeshan was born on June 27, 1927. was an American television producer and actor. He created and played the title role in the children’s television program Captain Kangaroo, which ran from 1955 to 1984, the longest-running nationally broadcast children’s television program of its day. He hosted The Captain Kangaroo show from 1955-1984 and one of my personal favorites in its original run CBS Storybreak in 1985.

See my post Money and Life Lessons I learned from CBS Storybreak’s Yeh-Shen

HOME IS WHERE THE HEART IS

Back in the old days, when I was a child, we sat around the family table at dinner time and exchanged our daily experiences. It wasn’t very organized, but everyone was recognized and all the news that had to be told was told by each family member. We listened to each other and the interest was not put on; it was real. – Bob Keeshan

One of my fondest memories from my childhood was watching cartoons. They taught me that I should know the difference between right and wrong, stand up for my beliefs, have principles and values. All things that have helped me successfully navigate adulthood and will help you in any setting you are in.

TELEVISION HAS ITS LIMITS

One of the big secrets of finding time is not to watch television. -Bob Keeshan

I read that Warren Buffet, one of the richest and greatest investors of all time, spends 80% of his day reading. In addition, that Bill Gates reads about 80 books a years and CEO’s read about 60 a year.

See my post Forget Simon, Do what Buffet says

Although, as a kid, I loved reading the Sunday comics; my favorite comic strip was The Peanuts, I also made time to read. Television is a condensed version of books. You have to read to get all the knowledge and shows for kids usually encouraged us to express our individuality and explore our creativity through reading more.

See my post Life Lessons from Race for your life Charlie Brown

From deciding to read about finances, I learned to do the following:

  • Start saving 40% or more of my income
  • Invest in index funds such as VTSAX, VFINX, or VITSX
  • Read 2 finance books a month

LISTEN

A child needs to be listened to and talked to at 3 and 4 and 5 years of age. Parents should not wait for the sophisticated conversation of a teenager. – Bob Keeshan

I cannot tell you how many times I had to tap dance sometimes in my house to be heard. When you have siblings you better find a way to stand out. However, there were times when I would start talking to adults and telling them how I felt. To my surprise, they listened. I learned not to be shy and to use my words not my fists. Keep all hands, feet, and objects to yourself. Got it!

I enjoy meeting not only contemporary children, but yesterday’s children as well. It’s nice to talk about the experiences we shared, they tell me, ‘You were a good friend.’ That’s the warmest part. Bob Keeshan

See my posts

Money and Life Lessons from The Pirates of Dark Water

They Shoot Greenbacks, Don’t They

BE GENTLE

It requires more strength to be gentle, so it’s the everyday encounters of life that I think we’ve prepared children for and prepared them to be good to other people and to consider other people. – Bob Keeshan

I would watch reruns of Mighty Mouse, Bewitched, and I Dream of Jeannie Growing Up. They all expressed some of the same ideals. You can catch more bees with honey than vinegar. So, be kind. NOBODY wants to work with a jerk. Treat people right. It comes back to you. 😉

See my post The Greatest Assets are People

I think just as importantly we prepare people for the definition of being gentle. – Bob Keeshan

When I think of that statement, I always think of Mr. T. He always treated people with decency and respect. He was well-spoken, direct, soft but firm. I have learned to do the same.

See my post Money and Life Lessons I Learned from Mr. T

PLAY IS SERIOUS STUFF

Play is the work of children. It’s very serious stuff. – Bob Keeshan

If I didn’t go outside to play, I would lose my mind. It just was what I needed to do. So, my parents let me stay outside all day. After, I did my homework.

Now that I look back, I think they may have done it to get a break from me. Regardless, I learned the value of true friendship and about life on the playground.

One of my friend’s mom’s was very sick. She was so sad about that. Understandably. So, we made sure to always check on her and her mom and ALWAYS asked her to come outside and play with us. This was when she would light up. One time she hurt herself really bad on the playground.  It was on concrete. I will never forget it, she cried all the way home and we went with her. We just wanted to make sure she was okay. Because that is what friends do.

A RUNDOWN OF SOME FAMOUS CARTOONS

Here is a short rundown of Saturday Morning cartoons. Nostalgia. Haha

The ones in bold are some of my favorites.

1960’s

The Flintstones

The Huckleberry Hound Show

The Quick Draw McGraw Show

The Yogi Bear Show

The Jetsons

Johnny Quest

The Magilla Gorilla Show

The Herculoids

Wacky Racers

The Perils of Penelope Pitstop

Dastardly and Muttley in Their Flying Machines

Scooby-Doo, Where Are You!

1970’s

The Pebbles and Bamm-Bamm Show

Josie and the Pussycats

Secret Squirrel

Help!….It’s the Hair Bear Bunch!

Wait Till Your Father Gets Home

Speed Buggy

Super Friends

The Addams Family

The Great Grape Ape Show

Dog Wonder

Tom & Jerry

Jabberjaw

Scooby’s All Star Laff-A-Lympics

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Captain Caveman and the Teen Angels

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1980’s

Super Friends

Richie Rich

The Smurfs

The Snorks

Pac-Man

Rainbow Bright

Strawberry Shortcake

My Little Ponies

Pound Puppies

The Paw-Paw Bears

Shirt Tales

Alvin and the Chipmunks

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Dennis the Menace

The 13 Ghosts of Scooby-Doo

CBS Storybreak

The Raccoons

The Wuzzles

Skeleton Warriors

Galaxy High

Fraggle Rock

Gummi Bears

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The Berenstain Bears

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Dungeons and Dragons

Voltron

Fantastic Max

1990’s

Tom & Jerry Kids

The Pirates of Dark Water

Camp Candy

Biker Mice from Mars

The Real Ghostbusters

Codename Kids NextDoor

The Powerpuff Girls

The Real Adventures of Johnny Quest

Bettlejuice

Here’s a shout out to Nickelodeon, the Cartoon Network and other afternoon or weekday morning cartoons

Garfield and Friends

Power Rangers

Wild and Crazy Kids

Dare

Noodles

Grimm’s Fairy Tale Classics

Woody Woodpecker

Mighty Mouse

Healthcliff

Gumby

Tiny Toon Adventures

The Care Bears

Pinky and the Brain

Hey Dude

The Adventures of the Little Koala

Noozles

Did I bring back any memories?

Is that list long enough for you? Did I miss any?

Let me know. And I will add it to the list.

Have you ever written a blog post about a cartoon? Let me know and I will add it to a running list right here in this post.

Hope you enjoyed.

Financial Freedom

The one-tweet financial plan

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“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 💋

Fictional characters Cartoons and Money, Financial Freedom

Money and Life Lessons from The Pirates of Dark Water

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Always the quest. – Ren, Prince of Octopon  

If you grew up watching cartoons like I did, then you may remember this one from the 90’s called The Pirates of Dark Water.

The Pirates of Dark Water is an American fantasy animated television series produced by the dynamic animation team of Hanna-Barbera (The Flintstones, Scooby Doo) and created by David Kirschner, which first aired in 1991.             

It was part of the Saturday morning cartoons line-up.

See my post on CBS Storybreak’s Yeh-Shen

Fun Fact: CBS Storybreak was also produced by Hanna-Barbera Productions.

A young man, seventeen-year-old Ren, learns that he is a Prince with an urgent quest to save his world by finding thirteen magical treasures of rule.

Ren is a very likeable hero much like Luke Skywalker. And for every yin there is a yang.

The pirate lord Bloth is a savage alien pirate and Ren’s mortal enemy. He is Ren’s Darth Vader.

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The show had action, adventure, sword fights, and of course humor. This show was unlike many other of that time as it was way more serious, well-written, surprisingly mature, very developed with memorable characters, imaginative worlds, plot driven, and involved a high degree of morals. I still think of this show and those lessons to this day.

You get to go along with Ren and his shipmates, Tula and Ioz, on a quest to save the world. However, no cartoon by Hanna-Barbera would be complete if they didn’t give you some life lessons along the way.

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The premise and the opening credits spoken over the theme music.

The alien world of Mer is being devoured by an evil substance known as Dark Water. Only Ren, a young prince, can stop it by finding the lost Thirteen Treasures of Rule. At his side, his allies on this quest are an unlikely, but loyal crew of misfits. At his back, is Bloth. The evil pirate lord, Bloth, will stop at nothing to get the treasures for himself.

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I found the show synopsis at IMDB.com

Storyline

When Ren, a young son of a lighthouse keeper, rescues a stranger foundering in the rocks near his home, he learns the man was an aide to his true father, a great king. Ren is given a magic compass crystal that guides him to a dragon who shows him that the only way to claim his heritage is to find the Thirteen Treasures of Rule. Unfortunately, a pirate ship captained by the evil Bloth is also aware of this treasure and is relentlessly pursuing Ren for it. On his side, Ren soon acquires companions like Ioz the Pirate, Tula the Eco-Mage and Nibbler the Monkey Bird who help him in his quest. That quest becomes all the more urgent when Ren learns that the Dark Water, a carnivorous form of water that consumes anything it snares, threatens to envelope and destroy his world and only the treasures he seeks can stop it. Written by Kenneth Chisholm

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The show’s opening credit ending theme song tagline: It’s high adventures with The Pirates of Dark Water. 

The Pirates of Dark Water (1991)

Let’s go!

FORTUNE FAVORS THE BOLD

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The rich are bold. So seek adventure.

Think Richard Branson, Steve Jobs, Oprah Winfrey or Walt Disney.

The characters in this series are also very outrageous, bold, and at times, reckless, but they get the job done.

This show is packed with great dialogue, fun characters, and on the edge of your seat action. The storyline was driven by its protagonist, Ren (voiced by George Newbern), the leader of this group of pirates. His unabashed furor over the treatment of people, eloquent way with words, and logical reasoning made him a good leader.

Accompanying him on his quest were Tula (voiced by Jodi Benson aka The Little Mermaid Ariel) and Ioz (voiced by Hector Elizondo of Pretty Woman, Runaway Bride). Ioz is a fortune hunter and mercenary swayed by Ren’s noble quest and throws himself in the fracas to help them. They also had a talking monkey-bird, if you can picture that, by the name of Niddler (who is also the comic relief).

For origins of the Little Mermaid see my post on Grimm

Wherever they go, trouble sure follows. Not surprisingly, as every successful person always has something or someone nipping at their heels, vying to claim the same victory to hang up on their mantelpiece.   

Ren and company also receives help, guidance, and encouragement along the way. From this I learned that people are usually willing to help you, when you’re doing the right thing.

See my post Money and Life advice from Nike founder Phil Knight

SUCCESS TAKES TIME

There is nothing impossible to him who will try. – Alexander the Great

There is no shortcut on the road to success.

All things that are good and important take time.

You have to put the work in. Once you do that, then the money seems to follow.

In the show, Ren and his crew had to find the lost treasures of Rule and this takes time. After 21 episodes of the show, they still had only found seven treasures. And they had to guard them with their lives. This odyssey would no doubt take years.

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Tula:

This is going to be a long trip…

You got that right!

Everyone was chasing those treasures. Kind of reminds me of the Legend of Zelda (which they also turned into a cartoon, as was the norm in the 80’s and 90’s).

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If you remember that obscure animated series, then you know his famous line after he felt he should be rewarded by Zelda for keeping the Tri-force of Wisdom safe, “Well, excuuuuuse me princess.” Hilarious.

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There is no story I have ever read that did not take the victor time to complete their journey to the finish line. Even Odysseus, didn’t make it home for ten years after leaving Troy and twenty after joining the Trojan war expedition, but that’s another story. If you like Greek mythology, then check out Homer’s the Iliad and the Odyssey.

Alexander the Great went on a military campaign for over a decade to conquer one of the largest empires in ancient times starting from 336 BC. William the Conqueror let nothing stand in his way to victory as the first Norman King of England, reigning from 1066 until his death. His conquest took six years. Don’t even get me started on The Crusades or Napoleon.

If you want something, then you have to be willing to put the time in.

When I decided I wanted to be financially independent, I studied hundreds of blog, reads dozens of books and started reading about conquerors of ancient civilizations and the self-made.

Over the course of seven years, I did the following:

  • Went form saving $1 a day to $13,000 a year.
  • Increased my savings rate by 2% or more per year.
  • Calculated my FIRE number (Financial Independence/Retire Early) $750,000 and figured out a way to get there in less than 10 years.
  • Started setting impossibly high SMART (Specific, Measureable, Attainable, Realistic, Timely) goals, tasks, and deadlines and meeting them.
  • Figured out the date to retire my credit card debt (which is some of the worst you can have).
  • Determined that all credit card debt is the worst kind of debt to have and found a way to get rid of all revolving debt.
  • Reading a minimum of 2 books a month.
  • Established a six-figure retirement.
  • Started saving $15,000 a year in 2019.

That took years! However, as you can see from above, patience, hard work and determination get results. This blog takes you along on my quest and all the things I do in the pursuit of financial independence. And ultimately, earn back my freedom as time is one thing you can never get back once it’s gone.

FRIENDSHIP IS IMPORTANT

Remember upon the conduct of each depends the fate of all. – Alexander the Great

One of my favorite things about this show was the kinship of not only the show’s stars, but the people in that world. They were always willing to lend a hand to help one another. Especially, in those dark times, people just banded together. As it should be. They also forgave.

Lend me some sugar, I am your neighbor! – Outcast, Hey Ya!

Treat your friends as if they are worth their weight in gold. The ones that truly have your back will be there in good times or bad.

Lots of people want 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. – Oprah Winfrey

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Got it?

Good.

RESPECT

It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you’ll do things differently. – Warren Buffet

Everywhere Ren went he received respect whenever he name dropped his father’s name, King Primus. It was awesome to see people help him because of the reputation built by his father. Wow.

That taught me reputation is everything.

Keep a good name. Keep your promises. Overcommit and over deliver.  

You want respect? You have to earn it.

I like to write. And it’s exciting to write new content. I try to keep this blog informative, but fun. It’s like Sesame Street for adults! Ha ha!

So, if anyone ever namechecks Greenbacks Magnet, I know it’s because they like what you read.

MONEY ISN’T EVERYTHING

Havin’ money’s not everything, not havin’ it is. – Kanye West, Good Life

The show is constantly filled with pirates talking, stealing, earning, or wanting gold and treasure. It’s all in good fun. However, there are times when Ren and his friends are in grave mortal danger. His companions mean the world to him. The circle of trust is very strong and real with them. They never leave one another behind. Not ever.

Ren never chooses money, things, or any possession over people. A fine quality to have indeed.

You can get more things, you can earn more money, but there is only one You! Never forget that.

BEING EVIL ALWAYS MEANS LOSING SOMETHING

50 told me, go ‘head, switch the style up. And if they hate then let ’em hate and watch the money pile up. – Kanye West, Good Life

On the show, the pirate lord Bloth was always trying to lie, cheat, steal, and con his way in and out of everything. His ego could suck up all the air in a room. However, Ren and company always thwarted him in the end, to his chagrin.

Here is some dialogue from the show.

Onda, The Dagron Master:

What about my gold? You promised!

Ioz:

A pirate’s promise. I lied.

ETHOS, PATHOS, AND COMPASSION

The protagonist, Ren, is kind to everyone. He is also loyal to a fault. Therefore, he values honesty and loyalty. And this becomes his reputation. His good natured ways and good name takes him far in the world.

The sheer amount of emotion he evokes and passion for what he does is inspiring. He acts without malice, but steadfastly and with courage. Ren also takes the advice of those he trusts most and not just anyone.

Here is some more dialogue from the show.

Ren:

I can’t ask you to continue with me on this dangerous quest. Name the port of your choice and I’ll take you there.

Ioz:

Which way does the compass point?

Ren:

[Ren picks up the compass and spins it around] The second treasure of Rule… East!

Tula:

Then east it is! For adventure!

Ioz:

For treasure!

Ren:

For Octopon!

Niddler:

For crying out loud! When are we gonna eat?

They would throw in some humor once in a while as you can see.

I have also learned to take good advice when it’s given.

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It’s not about the messenger, it’s the message.  

One of my favorite episodes on the show as entitled, “The Beast and the Bell,” episode 8, which aired on November 2, 1991.

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Ren is tricked into freeing an imprisoned evil creature by the name of Keroptus.

The Pirates of Dark Water (1991)

He makes a promise to re-imprison the monster to the people who guard him. I will never forget what he said to an optimistic Ren about this dangerous foe as you should never underestimate an enemy.

King of the Guards:

 Keroptus is nobody’s fool boy. He will not be easily deceived by parlor tricks.

To this day, I feel that way about every person I meet. You do not know what or who anyone knows. You should always proceed with caution.

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Well, that concludes this latest post.

I enjoyed revisiting this show from my childhood.

It always gives me a great feeling when I watch this show. The swashbuckling, seeking of treasure and adventure. Personally, that’s how it feels to pursue wealth. I go for the gold. And I play to win.

I know a credit card company has a saying; don’t leave home without it.  However, this show taught me how valuable having morals are and I learned to never leave home without them.