Tips for Failure - Or - How to Guarantee a Life Of Being Broke - Page 7
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  1. #91
    Registered User Thevail's Avatar
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    Accept your own inherent stupidity and say the word can't as often as possible!

    It's not your fault you can't understand bank paperwork, or your taxes, or your credit card agreement, or how to track expenses, or even write a realistic budget.

    So you're "just not one of those people" who can't remember all the little details like when the bills are due, or exactly how much is in your bank account, or if you already own that ultra-smart-touch-kitchen-widget so you buy a second one.

    Hey, not everyone is all " little house on the prarie" right, I mean, your mom and dad never taught you any of that crazy stuff like changing your own oil, or how to hem a pair of pants, or use a food dehydrator, or even coupons. So it's not your fault you can't do any of that. It's too late to bother learning now, you're busy!

    After all, everyone has different talents and yours is fabulous taste!

  2. #92
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    I heard this one last week. "I know I owe the IRS big bucks. But I really need this two weeks of travel. Besides, what will I have to remember if I end up in jail? I need good things to think of." !!!

    Another one I like is the people with serious medical conditions who won't take doctor's names or names of meds with them anywhere. "It's their job to find out what's wrong with me. What's a few more tests anyway? I won't be awake for it." ????

  3. #93
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    Quote Originally Posted by marjorie View Post
    Another one I like is the people with serious medical conditions who won't take doctor's names or names of meds with them anywhere. "It's their job to find out what's wrong with me. What's a few more tests anyway? I won't be awake for it." ????

    And people like this, should be forced to watch 8 straight hours of House..."greatest diagnostician in the world" and the poor patient is always at the brink of death before s/he gets saved. And so what if their doctor isn't as good as House???
    Last edited by kita; 04-05-2009 at 08:40 AM.

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  5. #94
    Registered User MaryCarney's Avatar
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    The most you should ever have to work is eight hours in a day and / or forty hours in a week. Gotta have enough time to hang out and chill, right.
    Don't bother being the best you can be at your job, that's for suck-up brown-nosers.
    Full-time homemaking is only for women too stupid or too lazy to do anything else (Ooops, wrong rant!)

  6. #95

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    Be unable to say no to a friendly sales associate.

  7. #96
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    Decide that even if a clothing item doesn't fit properly, it's close enough. Then never wear it because it doesn't fit. Buy lots of expensive fad clothes. Insist on new shoes often. Charge all your purchases. Shoes can be an investment, right? Go grocery shopping without looking at ads, bringing coupons, planning any meals and insist on name brand items. NEVER PLAN AHEAD.

  8. #97
    Registered User Shelli_wnj's Avatar
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    Quote Originally Posted by FrugalWitch View Post
    Have children you cannot afford and let social services do the providing Why wait until you are financially secure? Depend on food stamps, section 8, WIC, food pantries, other family members and tax-payers to provide. What good is that sense of entitlement unless you not only use it to the fullest, but pass down the tradition to a new generation?
    This upsets me. I know the intent is not to undermine people, but this went too far. I have "too many kids" but it was not by choice. I use WIC to help keep us above water. I have accepted food from food pantries and money and clothing gifts from family. We needed it to survive when our most recent blessing in disguise arrived. When my husband left us, we didn't know how to survive, but through the kindness of others and the social programs in place, we have, and it looks like I may be able to make it without all of that soon!

    Now for my "what not to do"

    Don't Assume others aren't trying their hardest even though they are barely afloat (or maybe even underwater). Also, NEVER give to charities. Those people don't deserve it.

    If it wasn't for the kindness of others, I don't know where we would be right now.

  9. #98
    Registered User Incognito's Avatar
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    Judging Failure?

    Since anything can happen to anyone, I feel that some of the more critical generalities in this thread need to be balanced with the wisdom learned from living and observing life.

    There are so many situations where one person might call another person a failure, but only God can judge correctly.
    And there are so many circumstances that can profoundly affect a person's life resulting in a continual drain on finances and resources, (through no fault of their own).
    The assessment of a person's worth as a human being must not depend on financial status or even material well-being, but on the inherant dignity and worth of a person's life and character.

    IE: A number of great artists and musicians were very poor--and died poor, yet their positive contribution to the world is indisputable.
    And many unknown poor people have been a blessing to the lives of their families, friends and society in general. We all know such people, and they are remembered and valued long after they are gone.
    And then there are those who tried and failed, who should not be disrespected either, since their lives count before God, and they are valued to those who know them best in spite of their faults.

    Perhaps we need to define, or redefine the term "failure", since we're all human, make mistakes, and are involved in life's struggles together.

  10. #99
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    Quote Originally Posted by suebeehoney View Post
    Here's one I haven't seen, but have helped many people deal with...

    Instead of budgeting, take out as many payday advance loans as you can, and then panic when you can't pay them back and they threaten to take you to court.

    This is a little-discussed problem that is running rampant in our country. There are lenders out there that are legitimate, licensed, and follow the law, and I know some will say "it's only ONE payday loan - what's the big deal?" But to my way of thinking, there is no such thing as a GOOD payday loan. They are loan sharks hiding behind the law. The APR on most of the legal loans is huge - we're talking about 400% on an annual basis. The way they hook you into it is that the loan is only for a couple of weeks - not a year. So most people just blow off that big sign at the storefront lender's office that explains the APR. (The state makes them post that, by the way.)

    Anyway...this is a GREAT way to ensure a life of poverty, stress and failure. Thought I'd toss it into the ring.
    I would like someone to explain to me why these are legal; they are no different than loansharking at the interest rate they charge

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    Believe that you don't deserve to be wealthy.

  12. #101
    Registered User Greebo's Avatar
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    Quote Originally Posted by craftypam View Post
    I would like someone to explain to me why these are legal; they are no different than loansharking at the interest rate they charge
    Because it's in no small part the responsibility of the borrower to understand what they're getting into, and as long as these companies, scummy as they are, are up front with their terms, it's hardly as if the borrower is blameless for using them. It's like blaming the bars for the drunk driver when its the drinker who got drunk and behind the wheel...

  13. #102
    Registered User Greebo's Avatar
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    Quote Originally Posted by money blogger View Post
    Believe that you don't deserve to be wealthy.
    This is incredibly profound - so much so I fear a lot of people won't even think about it cause they'll miss it at first read.

    Just allow me to add to it:
    Believe that money itself is somehow evil, not the people who do evil in its pursuit.

  14. #103
    Registered User Thevail's Avatar
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    Quote Originally Posted by Greebo View Post
    This is incredibly profound - so much so I fear a lot of people won't even think about it cause they'll miss it at first read.

    Just allow me to add to it:
    Believe that money itself is somehow evil, not the people who do evil in its pursuit.
    I actually do think about this sometimes.. I think a lot of people also (despite what they SAY) don't WANT to be wealthy.. they have a certain perception that the rich are evil... because they are rich.

    When in reality, having money doesn't inherently make you a bad person. I've met just as many poor jerks as I've met rich jerks...

    The difference is that if a poor person is a jerk.. no one assumes it's because he/she is poor. Whereas if a rich person is a jerk.. people DO assume that it's because he/she has money. I think it's just jealousy mostly, which is pretty normal.

    But the tragic side to it is that if you associate being rich or wealthy with being a bad person, and all of us would like to think of ourselves as good people; how can you give yourself permission, much less motivation, to do well financially?

    It's that whole,wierd "noble savage" complex applied to money.
    Last edited by Thevail; 06-24-2009 at 01:56 PM.

  15. #104
    Registered User Greebo's Avatar
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    Quote Originally Posted by Thevail View Post
    I actually do think about this sometimes.. I think a lot of people also (despite what they SAY) don't WANT to be wealthy.. they have a certain perception that the rich are evil... because they are rich.

    When in reality, having money doesn't inherently make you a bad person. I've met just as many poor jerks as I've met rich jerks...

    The difference is that if a poor person is a jerk.. no one assumes it's because he/she is poor. Whereas if a rich person is a jerk.. people DO assume that it's because he/she has money. I think it's just jealousy mostly, which is pretty normal.

    But the tragic side to it is that if you associate being rich or wealthy with being a bad person, and all of us would like to think of ourselves as good people; how can you give yourself permission, much less motivation, to do well financially?

    It's that whole,wierd "noble savage" complex applied to money.
    In the US, a large part of that stigma is tied to Christian beliefs.

    Now, before all the Christians here get up in arms about the atheist bashing religion again, may I suggest you go out and read "Thou Shall Prosper: Ten Commandments for Making Money" by Rabbi Daniel Lapin?

    See, having been raised Christian, I'm all too familiar with the verses in the bible that are often heavily misinterpreted. We have a culture in this society that has a large basis in Christian beliefs, and the misquoted "Money is the root of all evil" combined with "It is easier for a camel to squeeze through the eye of the needle" does tend to bias people against what wealth earned honestly truly represents.

    In contrast, the Jewish people, as explained very well by Rabi Lapin, do not *love* money, but they consider the honest and fair accumulation of wealth for what it really represents: a measure of the value and service one has been to their community.

    By and large, the majority of truly affluent achieved their wealth through noble, honorable means. It might be the small businessman who repairs HVACs in a large area and has built a thriving business with an impeccable reputation over 20 years, or the financial adviser who cares more about the success of his clients than about his commissions, but most wealthy people get wealthy honestly, by earning it. (Source: The Millionaire Next Door - read it before you scoff at the bold statement)

    ^^^I refer here not to those with high incomes but a high asset level - but that's not to say that one cannot be high income and honest too.

    The Jewish people understand that if you are fair and honest and wealthy, you could only become wealthy by being of service to your community - by earning that wealth in trade of some kind. That trade may be physical, financial, or even educational, but you have to give value to get value.

    Yes, there are those rich who only get rich by some less than honorable means. The large corporate executives who are deeply in bed with politicians at the expense of society, the crooks like Madoff or Enron or Worldcom, and the like. But those people do not produce wealth, they steal it. The truly wealthy turn their time, their effort, etc. into resources of value to the community for which they are well, truly, and JUSTLY compensated.

    Money isn't evil. For that matter - loving money - and by which I mean, loving being of VALUE to the community, isn't evil either.

    Coveting money - desiring it to the point that one is willing to sacrifice one's principles and do anything to get it no matter who gets hurt - yes, that's evil.

    And it's very uncommon among the truly affluent.

  16. #105
    Registered User Shelli_wnj's Avatar
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    Well stated!

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