-2Please excuse my whining. I can be as confident, friendly, funny, sociable as I want but if I'm not physically attractive I have a very little chance with anyone I'm attracted to. When physical appearance is the main deciding factor in whether or not you can find love that's when you begin to lose all hope for feelings of passion and romance.
+6MAKING A PLAN WITH YOUR ACCOUNT As a low income earner I want to be able to manage my account and not over spend my salary every month. To describe myself in regard to my topic, I live independently. I have rent, bills and items to buy, but at the end of the day I act like a Consumer, and I spend. Like any other individual I ask myself, what have I done with the money I’ve earned? I have so many things I want to do, that I hope to do when the time comes and I don’t want my spending ways to limit that. So I sat down and thought about how I could plan my finances. I came up with an idea which I think in my opinion can help the middle, low income earners and me. Using myself as an example, with my bank I have one account where all my salary if I get R10000 every month, goes to. I have expenses I have to pay for; monthly expenses, random expenses, future expenses. Monthly Expenses These expenses are basically payments I have to make every month like rent, water, electricity, DSTV, gym, transport/fuel, insurance, license, groceries, maid/gardener etc. Random Expenses These expenses are not paid monthly but can be paid anytime. More like expenses that arrive when you’re not expecting them to. These expenses are affected by our decisions. Maybe you randomly decide to go out, or a music festival event comes along, or you have random repairs to do, or unexpected sickness etc. Future Expenses These expenses require room for money accumulation. To be more specific, saving money to pay for things like; furniture, car, upcoming holiday, house etc. Above are examples of expenses I would spend my salary towards as an individual and at this point in my life. We are all people but we are all different, therefore we have different expenses. When I came up with this idea, I asked my sister how she manages her finances. She stays in England with her Husband, and both of them are newlyweds. They each contribute to rent and other monthly expenses. They have their own expenses that they cater each for themselves. I told her my idea and she told me that she has two accounts with different banks because she wanted to separate money for rent and other things so she doesn’t have to spend money that she wants to save. If it was a possibility she would like to have different accounts for her main expenses. THE SUGGESTION Instead of opening different accounts with different banks, I thought the partitioning will instead take place in my account. If it was made possible, I could go online and access my bank account and with available ‘command options’, I could create multiple sub-accounts with different expense sub headings of my choice and manage my finances. Sub-accounts (rent, electricity, internet, car, holiday, fees, etc). Let’s say this option is now possible, immediately after getting paid (R10000) I would open my account and would divide my money and spread it across the different sub accounts. This would mean that whenever I get paid, my money will always be accumulating in my sub-accounts. If I run out of money to spend at an outing, at least I have money saved for electricity. If there is a delay in my monthly salary payment, I have rent money saved in my sub-account. If by any chance I fall sick, I won’t hesitate to go to the doctor because I have a sub-account for my health. And by the time December approaches I can plan for a holiday because I saved for that, which in addition if I have children I can also open sub-accounts for their fees and so on and avoid January disease. Benefits of this suggestion Better managing of one’s finances With this option available to me, I would avoid reckless and impulsive spending. Sometimes people have money in their account and don’t know what to do with it and just use it for things that don’t matter. Others don’t even know how to save, they just spend on alcohol, casino etc. If it’s lying there in the account with no name attached to it, a person will just think about the present and spend and live in the moment. Makes people want to save more With this option available, I would save more and better than I did in the past. And in my opinion I think more people would open bank accounts if they didn’t have one previously and start saving. Increases people’s living standards If people had this option available their living standards would be improved. People can avoid January disease, or accidental situations that occur and require money – a person that has been saving can work their way around such situations. People’s bills and dues will be paid in time and many people can go on holiday. Children accounts My plan when I am ready for children is to open a bank account for each. If this idea is possible, there will be an example of the following sub-accounts; fees, uniforms/sports gear, stationary, spending money, boarding grocery, hair etc. When children come into the picture everything changes because you have extra people to look after. CONCLUSION This is an idea or suggestion in my opinion would help me manage my funds meaningfully and I think the rest of the population would benefit also. I got this idea from my first job and I experimented using piggy bank boxes with names attached to them of what the money was for. From this idea, my spending was managed. My impulsive spending was limited and I bought stuff I really wanted after a period of saving and more. To me I felt like I achieved something with my money and the feeling was good. Thank you for the time you took to read this!
+9The public should be given a chance to debate when and how surveillance equipment will be used against them. I don't care who is president, this is still America.
+15In the blink of an eye, everything can change. So forgive often and love with all your heart. You may never know when you may not have that chance again. Author unknown
+8Sooo, n. korea has a missle. It is said to be capable of reaching the west coast. Trump says it wont happen. So many madmen in power. A tweet can piss off a madman. I cannot quite wrap my head around the fact that our future potus tweets with abandon. When obama leaves the white house so does the dignity of the office. I look at the turmoil this world is in and i should be comfortable with the knowledge that our leaders will pull us through. Past or present, left or right. I believe past presidents truly did what they thought best for the country. I cannot say that about trump. I believe he is in it for the accolades and the power. He has never done anything that didnt benefit him. He isnt going to begin at 70. We are living in a time when we need a level head, tactful speech and knowledge of foriegn affairs. He has none of those attributes. This time he cant file bancruptcy and walk awsy. Ive read that watching the shitshow will be fun. Ive read that we need to give him a chance. I truly believe that this nation has been conned. And when he is done with this job, he can walk away with all his wealth, unaffected. He can go anywhere in the world that is safe. It is the average citizens, the ones that elected him, that will have to live with what he leaves behind. I can only hope that the checks and balances that are supposed to be in place, are.
+7Why is it that politically incorrect food is so enticing to the upper classes? I'm talking foie gras, caviar, and veal. More
-2THIS WASN'T AN ELECTION....IT WAS A "REVOLUTION"!!!! It’s midnight in America. The day before fifty million Americans got up and stood in front of the great iron wheel that had been grinding them down. They stood there even though the media told them it was useless. They took their stand even while all the chattering classes laughed and taunted them. They were fathers who couldn’t feed their families anymore. They were mothers who couldn’t afford health care. They were workers whose jobs had been sold off to foreign countries. They were sons who didn’t see a future for themselves. They were daughters afraid of being murdered by the “unaccompanied minors” flooding into their towns. They took a deep breath and they stood. They held up their hands and the great iron wheel stopped. coast, rose up with it.The Great Blue Wall crumbled. The impossible states fell one by one. Ohio. Wisconsin. Pennsylvania. Iowa. The white working class that had been overlooked and trampled on for so long got to its feet. It rose up against its oppressors and the rest of the nation, from coast to coast, rose up with it. They fought back against their jobs being shipped overseas while their towns filled with migrants that got everything while they got nothing. They fought back against a system in which they could go to jail for a trifle while the elites could violate the law and still stroll through a presidential election. They fought back against being told that they had to watch what they say. They fought back against being held in contempt because they wanted to work for a living and take care of their families. They fought and they won. More