Beauty
This thought was going through my head while I was listening to motivational speaker Francis Kong talk. He talked about family, the importance of family and children, of mealtimes with children, of learning to communicate with love, of Dr. Chapman’s five love languages – a primary way of expressing and interpreting love: words of affirmation, quality time, receiving gifts, acts of service, physical love.
Loving Heights
Article Swap with Steve of GetOutofDebt.org
Apparently they took a look at the average credit scores of 20,000 people and placed those scores into bins based on the email address people use. They then calculated the average credit score.
The Light
It was circa 2009, a time when decadence was still in fashion, and people would stop at nothing to get the very best, and to live an extraordinary life (of course, to show off too).
Imagine, a $1,000 dollar pizza (with salmon roe, lobster, caviar), a $1,000 golden cake (literally made of gold, that is, 24 karat gold leaf), a $5,000 hamburger (with foie gras and a bottle of a really expensive wine), an executive chef cooking for you in the comfort of your own home ($10,000 for 10 people), taking a party (even a piano and a pianist, or a band!) high up into the sky (Dinner in the Sky, $50,000 – $100,000).
Calmer Waters
That is, for a person to save at least 3-6 months’ worth of his monthly expenses for emergencies (prolonged sickness, job insecurity). But really, that concept (that comes across as almost common sense, but not really) – does not even cross the mind of those uninitiated in money matters.
Well, it never crossed my mind prior to 2008 (when I have not yet met – er, won, our financial planner).
But now that it has, and the panic has resonated within (a realization that anything can happen), I would be flustered (and yes, panicky) when our emergency funds fall below that imaginary line (6 months’ expenses, in our case).
Fighting to keep the amount intact is important, but it is also important that this fund is liquid, that it is reachable, that it is safe. But it would also be great if it could also earn interest, right?