martes, 4 de septiembre de 2018

The Last Christmas

A quiet home
The feeling heavy in the room
Paper shredded on the floor cards lay open
Tape ripped across the pages blurring the last I Love You
Keep searching
Unwanted answers await in the house
But she's gone and nothing else matters
Our last moment ripped from the card on the floor
Our last memory one I wish I could forget
Merry Christmas baby girl

sábado, 22 de julio de 2017

Financial Planning for Millenials

Most people stress about money to some extent. It just never feels like we have enough... why is that? Because money, whether we like it or not, is one of the biggest factors affecting our lives every day. The amount you earn determines the food you eat, the clothes you buy, the type of people you hang around, etc.  Now the question becomes, do you want to control your money or do you want your money to control you? I think we can agree that we want to be in charge of our financial success!


To be financially savvy, you have to make an effort to educate yourself and create realistic goals then take the steps to achieve them. Financial planning can be a challenge at any age but it tends to be more difficult the younger you are.  Maybe you’ve only recently become financially independent of family and aren't very confident in your self-sufficiency yet.  You are probably paying off student loans or other debts while your checking account teeter-totters each month and you may not even have a savings account, or it is minimal.  Fortunately, with a little research and foresight, you can significantly improve your financial standing and take back control of your situation, sometimes even in just a few months. 


Here’s how:

1.  Develop a monthly budget.
Learn how to develop a detailed, realistic budget here.
2. Have a monthly savings plan.
No matter your income, you have to save a consistent amount of money each month.  Learning how to live within your means is a necessary life skill and will make the difference one day in an emergency situation.  The ideal savings rate is 30% of one’s income, but that can be extremely difficult.  A good starting place is to save $20-50 per paycheck and automatically transfer it to your savings account.  Whatever number you choose to begin with, steadily increase it each month.  I.e. if you start with $25 per paycheck in September, increase the amount to $30 per paycheck in October, etc.  If you can only spare $10, save $10.  The crucial thing is getting started and adjusting to the habit of saving.  You can do it!
2.       Stay on top of your credit score.
Check it at least quarterly.  Building credit is a slow process in your 20s, but a vital task for future buying power. Make sure you’re paying off your credit card each month or at least the minimum balance.  
3.       Know what credit cards are best for you.
If you’re score is lower than you like and/or you’re searching for your first card, consider a few things:
a.       Is this a card that I want to have long-term? Credit is strongly influenced by how long you’ve had individual credit lines open so it’s important to maintain at least one credit card for years to come.
b.      Is there a decent sign-up bonus? Most competitive cards out there offer something, from travel rewards to cash incentives for signing up for their card.  It’s worth the time to shop these options when comparing cards.
c.       What is the APR? The annual percentage rate is how much interest you’ll be charged on the overdue balance. If you always pay off your card in full you will not have to worry about this. If you pay the minimum balance or partial payment, the rest with be multiplied by the APR and you will be charged that amount as interest. You can see the math here: http://www.wikihow.com/Calculate-the-APR-on-a-Credit-Card.   Frankly, credit cards are an expensive way to borrow money if the balance remains unpaid. Don’t make a habit out of letting your balance carry over.
d.      Is there a yearly cost?  These cards are often not sustainable for 20 somethings as we are not usually big enough spenders.  Annual fee cards may still be a solid option for you if you do charge a lot monthly. Usually this would be people with families or many monthly expenses. 
P.S. The best sign-up bonuses are almost always attached to cards with annual fees.  Most often, the first year’s fee is waived to hook people in.  If the bonus is generous and you don’t need this card long-term to build credit, it may be worthwhile to apply for it and enjoy that bonus.  Just make sure you plan ahead to cancel the card before the fee comes next year!!
4.       Finally, save where you can.
Order online, look up free activities in your area, buy used.  Thrift stores can be your best friend and I mean far outside the realm of Goodwill. Some of the best thrift stores I’ve been to support specific causes that people are passionate about, like the humane society or women’s rights. People feel strongly about these causes (I know I do!) and are generous with their donations.  Plus, it’s like a treasure hunt every time and it never fails that I encounter something cool/vintage/strange  that is fascinates me.  Thrift stores can be great for everything and anything, but they have especially wide selections for books, furniture, appliances, glassware and, yes, clothing. You can (and should) reward yourself for saving money. Create a spending budget for your shopping trip and if you spend less, treat yourself to something small with half leftover amount and put the rest in your savings account :)



Hope these tips help you take control of your financial situation.  Keep an eye out for an upcoming post on investing in your 20s.




Thank you for reading and leave a comment below with your thoughts or questions :)

How to Develop a Monthly Budget

Budgets vary by person due to lifestyle needs and preferences.  Certain bills- like rent and utilities- are pretty across the board but there are many monthly expenses tailored to you. Here you will find an easy-to-reference guide of all of the most common items to include in a monthly budget. Highly recommended for personal use or for the purpose of teaching others the basics of budgeting. Happy budgeting!

INCOME

  1. Full-time job
  2. Part-time job
  3. Overtime
  4. Self-employment
  5. Alimony/Child support
  6. Investments/Capital gains
  7. Retirement accounts: Traditional/Roth IRA, 401(K), 403(B), pension
  8. TANF: CalWORKS in CA (programs vary by state & county)
  9. SNAP (Food Stamps)
  10. SSA: Social Security benefits
  11. SSI: Supplemental Security Income
  12. Veteran’s benefits
  13. Subsidy: Rental assistance, grant, scholarship, etc.

EXPENSES

  1. Rent/Mortgage
  2. Insurance: renter’s, homeowner’s, car
  3. Repairs: home, car
  4. Utilities: electricity, gas, water, sewer
  5. Groceries
  6. Household goods
  7. Toiletries/Personal care items
  8. Cable/Internet/Home or cell phone
  9. Streaming service: Netflix, Amazon Prime, Hulu, etc.
  10. Laundry
  11. Clothing
  12. Transit pass
  13. Car payment
  14. Gas
  15. Loan repayment: Student, payday, credit card, bank
  16. Medical insurance
  17. Life insurance
  18. Medical cost copayments
  19. Medication
  20. Day care/Tuition/School supplies
  21. Entertainment/Eating out

SAVINGS

  1. Emergency fund
  2. Goals: Vacation, education, home buying
  3. Retirement

martes, 11 de agosto de 2015

If the Trees Had Eyes

 Welcome to the Auschwitz II- Birkenau concentration and extermination camp in Oświęcim, Poland. Here, more than 1.2 million people were executed from October 1941 until the camp's liberation in January 1945. While roughly 80% of victims were Jewish, 20% were Sinti, Roma, POWs and other ethnic groups who were deemed equally worthless by the Third Reich. [2] 

The air at Birkenau remains heavy and mourning. If the trees had eyes they would weep forever. Wind rustles slowly through countless lonely buildings, buildings that remember their desperate inhabitants from several decades ago. Millions of innocent and beautiful human beings who lost their souls and ultimately their lives for no reason at all but the fancies of a twisted regime. 

Their spirits will always live here in Birkenau. In many other hearts as well, but especially here. To remind us every second of every day why we need to say Never Again. Why we as people need to see the world how it is, how history has shaped it, and respond to it with mindful behaviors and treatment of others. In relation to religious issues, race issues, gender issues, class issues... all lives matter. Let's demand it so.
 



Photo credit: Isurvived.org
[2] http://chgs.umn.edu/museum/memorials/auschwitz/

lunes, 27 de abril de 2015

Ode to Brussels

Oh Brussels,
Disappointment by lack of shuttles
Found happiness in the form of an available and more affordable bus
So cold, so windy
Not liking this place so far

Sun came out!
Then went away
We're lost
But it's okay because we found Belgian fries in our search for civilization
Still so cold, losing warmth fast
We want to go to Budapest already

But really Brussels,
You have the best Greek food
We had been apart too long
Tapas and crisp iced water abound
Speaking of the water....
It's so FRESH here
Cleanest tap water in the world

Let's top off the meal with your traditional waffles
Hello dark chocolate and speculoos toppings
Have I told you I love you
You're my one and only
Well, two and only

On our way back to the station
Let's not get lost
Almost there, for real this time!
Let's celebrate the fact with Moroccan tea
We're surprised to have found you here mate. Cheers
Hands down the best we've had since Morocco
Maybe including it

Hmm, Brussels you aren't so bad after all...

A Grand Welcome

First and foremost, I appreciate you mysterious reader. You could be anyone but you're obviously someone great simply because you take the time to read other people's thoughts like this. After all, communication is the key to understanding. So let's get to talking...