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1. You will spend your life chasing a net worth number you think you will make you happy, but never get there.

People talk about their “number,” or the amount of money they think will make them happy and content. I’m convinced these numbers are what most people live for.

But they’re dangerous. People are bad at forecasting almost everything, but trying to predict how you’ll feel in the future is a whole different level of delusion….

2. A lot of what you know is wrong, incomplete, distorted, and subject to revision

There’s a bias called the “end of history illusion.” It says that people think changes in taste, new ideas, and learning in general occurred in the past, but today we’ve got it all figured out.

The truth is we’re always learning how wrong we were in the past…..

3. People are less impressed by your success than you think

Most people in the developed world are about as comfortable and safe as they’re going to get in their lives. Their incentive to get richer is to impress other people.

But while people spend their lives trying to impress their friends, a trait they find most attractive in those friends is humility. Few of us ever connect these dots….

SOURCE: Unfortunate Realities You Should Get Used To.

The folks over at Motley Fool have struck another chord with me. Here is a post about worrying on your wealth. Let’s take them a number at a time.

Number 1 – I don’t think I have ever spent any time chasing my net worth number. Money has just not been an important a topic with me. But of course that is probably because I had a fairly good career path and put away enough to now be comfortable. Now don’t get me wrong, I am not some closet millionaire but I am pretty sure I have enough to last out my years.

Yeah, people are usually very bad at forecasting anything. I am a planner at heart and of course most of those plans change because of circumstances. Nothing ever goes as planned. The ability to adapt is what is important.

Number 2 - I don’t know how many times in my life that I figured that I now had all the needed knowledge of life. Of course that was, and will continue to be, just naive thinking. I am still learning many of life’s basic lessons when I was sure I would have it all figured out by now. Learning how wrong we were in the past, how true that is.

Number 3 - I am a contrarian and in this regard because I am just not impressed with the wealth of a person. At least in monetary terms.  Personally, trying to impress others with wealth is way way down on my radar screen and anyone who IS impressed by wealth is usually not going to be much of a friend of mine. Humility  and how you treat others is way further up there for me….

Hope vs Cynicism…

July 14, 2014 — 9 Comments

2014-07-09_08-34-43WASHINGTON AP — To hear President Barack Obama describe it, there’s a creeping case of cynicism setting in across the country, leading Americans to suspect that not only is Washington broken, it’s beyond fixing.

If that line of thinking continues, it could become a self-fulfilling prophecy with dire long-term ramifications, Obama says. If compromise-minded Americans get so frustrated they just tune out, lawmakers will feel even less pressure to work together for the good of the country.

SOURCE: How ‘hope’ became Obama’s fight against cynicism – Yahoo News.

Hope vs cynicism? Of course everyone wants to be on the hope side of that choice. But in order to be there we must be able to see the light at the end of the tunnel. Yes, someday I “hope” we get over all this extreme partisan bickering and get back to a healthy dose of compromise. I really hope that but I am very doubtful that will happen until we run off the cliff so to speak.

I dread the possibility of a totally Republican controlled government. To me that would mean abandonment of almost everything I hold dear. All brother’s keeper issue would be flushed down the toilet. We would likely become a nation intolerant of any religion except Christianity. The rich would get even richer while the poor were left to the scraps of the table.

No, I don’t see a lot of hope on America’s horizon. I have maybe another decade on this earth and I “am” hoping that we can hold it together for at least that long so I don’t have to see the consequences of going down the tube. It won’t be pretty. But I still hold out hope that we can, like we have done several times in the past, get to the edge of the cliff and then manage to step back instead of forward.  We have had a good run of luck in that regard but as always luck, however you want to define it,  eventually runs out.

I am holding out hope that someone will come along to lead us to a better way. I am now convinced that the black intellectual person currently in office is despite his hopeful rhetoric is unable to do that. Maybe there were just too many prejudices in his baggage to ever make that possible? Hillary is part of the problem in this area due to her own baggage. If she is elected the Republican establishment will likely get even more stubbornly in opposition than it is now, if that is even possible.

Just give me a slight glimmer on the horizon and I will try to grab onto some form of hope. Just give me a glimmer….. please…..

The Community is Morally Superior

Christians are sinners just like everybody else. If you’re expecting a perfect utopian environment of honesty, generosity, kindness, respect and inclusive love within Christianity—prepare yourselves for heartbreak.

Churches, Christian organizations, spiritual leaders and the people representing Christianity will eventually fail you.

Christian communities are far from ideal. Many enter churches assuming that everyone is going to be supportive, wonderful and your new best friend—but the reality is harsh.

This is the seventh post on the misconceptions about Christianity as reported by Stephen Mattson. It should be obvious to any of you who have been following this blog series here at RJ’s Corner that Stephen lets us know that as far as he is concerned Christianity is a messy business. Given my life’s experiences I totally agree. The way we humans have put Christ’s church together I’m sure is full of errors and misconceptions. Given that none of us are without sin and that most of us seem to stubbornly cling to a small fragment of Jesus’ words and somehow treat it as the total truth nothing else could have happened. We just can’t seem to get our minds around the total concept of Jesus. Does that mean you should give up on all this Christian stuff because it is so tainted? Absolutely not..

Here are some final words from Stephen to wrap up this post.

Churches, Christian organizations, spiritual leaders and the people—and things—representing Christianity will eventually fail you. It’s going to happen, so prepare yourself for the inevitable letdown.

Becoming a Christian doesn’t make you any better or more valuable than anyone else. Many falsely believe that identifying as a Christian elevates them above the rest of humanity—self-righteously judging, alienating and condemning others.

Ironically, Jesus says being one of His followers requires extreme humility and meekness—not necessarily attractive qualities within today’s society.

Overall, Christianity is filled with many wonderful blessings, and there will be times of happiness, peace and encouragement. But we need to be careful not to stereotype our faith and turn it into something it’s not and was never meant to be. Christianity is complex and doesn’t fit into a neat compartmentalized formula—it’s time we stop treating it like one.

One of the things that amazed me about my recent three day visit to New York City was the architecture. I have always been fascinated by the myriad of building in this country and NYC is probably the best of the best.  I won’t bore you with more words here.  Instead this post is almost all about the pictures.

Click on any picture to see an expanded gallery view:

 

A few months after I came to America, one of my American friends showed me a picture of her sister. “Isn’t she precious?” she said. I was taken aback ; her sister had Down’s syndrome. On another occasion, when I first met my new neighbor, she revealed that she had a mentally retarded son who was sixteen but had the mental capacity of a five-year-old. I admire Americans’ openness about disability….

In Asia, the disabled are treated as less than fully human… Mental retardation or physical disability is a stigma to a family, partly because of the influence of Buddhism. According to Buddhism, life is a series of causes and consequences, and a person’s disability may be punishment for having behaved badly in a former life or for having a cruel ancestor. Thus, family members with mentally retarded children are often ashamed and rarely tell others about them. An elementary school classmate of mine in Korea had a handicapped brother. Whenever I visited her house, her mother put him in a bathroom or somewhere else where visitors couldn’t see him. Thirty years later, public perception of disabilities in Asia has not improved much. Even in Japan, the most industrially advanced and urbanized society in Asia, disabled people face discrimination, humiliation, and inconvenience every day.

Kim, Eun Y. (2001-07-05). Yin and Yang of American Culture: A Paradox (Kindle Locations 810-820). Intercultural Press Inc. Kindle Edition.

This post of course is going to get rather personal with me. Being deaf I have experienced prejudices in my life even in the U.S. but it has probably been very minor compared to those in Asia.  America was not exempt from the description above, it is just that we for the most part conquered that phobia years ago whereas Asia has yet to approach it.

Almost anyone who doesn’t know me and approached me as a deaf person automatically assumes several things. The one that gets to me the most is that I am less intelligent than most. Even though the saying “deaf and dumb” is pretty much a thing of the past the thought still flourishes among many. The second thing is that since I am deaf I am not worth the effort to get to know me. Many simply write me off as a possible future friend.  I must admit that these feeling are not limited to just those of us who are deaf. They also apply to many who are handicapped in other ways. A person in a wheelchair is for the most part ignored by most.  I personally make a diligent effort to make eye contact and greet everyone I come across who is handicapped.

I can’t imagine the obstacles put in front of people with handicaps in Asia. To be put into a virtual closet away from family and friends is shameful to me. Asians need to get over the idea that mental and physical handicaps are God’s punishment for past actions. At least for Christianity Jesus tells us very directly that that is not the case.  Stigma is hard to break in any culture. I am at least grateful that we have done a better job in this area than our Asian brothers and sisters. But haven’t we found that to be true in so many areas in this yin/yang study?

Wanting An Education

July 10, 2014

FootballIn the old days boys wanted an education. They even had reading, writing, and arithmetic, instead of football. Up to then boys had gone there for their heads and not their shoulders — Will Rogers August 26,1928

In the old days must have been before 1928! I would have figured it to be later than that but maybe what we have been doing since that time is to hone it to perfection.  I have seen so many articles around today about how boys just don’t do school very well. By school I mean as Will indicated reading, writing, and arithmetic.  It now seems that girls make up the majority of our kids going to college. I guess the boys, especially those of color,  think they can make their millions off whatever their favorite sport is. They just don’t seem to be interesting in putting in the work necessary to learn anything else. That seems to be a very sad reality of today’s world doesn’t it?

Anyone who has read this blog much knows that I am not a sports fan in any regard. I often say that maybe sports among several other things helps build character when we are children but once we grow up it should be illegal to pay an adult for any sporting activity. That would definitely take the irrational dream away for many of our young boys. Given that in the future women will very likely become the primary bread winners in almost all households I wonder how those testosterone driven guys will handle that?

Come on all you parents out there. Take your boys out of one or two the their scheduled sports activities and use that time to make them study a little more…..

86 percent of strident conservatives think the poor ‘have it easy’ Illustrating the deep divide between GOP versus Democratic support for policies most benefiting the poor, a new Pew survey finds that a whopping 86 percent of steadfast conservatives think the poor “have it easy.” Similarly, business-minded Republicans 77 percent and young Republican-leaning adults 81 percent feel the same way.

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That sentiment underpins Republican arguments that programs like food stamps and unemployment benefits should be cut because they disincentivize work. And indeed, the same survey finds that at least eight in 10 Republicans from all three aforementioned demographic subgroups agree with the argument that government aid to the needy “does more harm than good.”

SOURCE: 86 percent of strident conservatives think the poor ‘have it easy’ – The Week.

This kind of information never ceases to astound me. I sadly think this mentality is due to ignorance rather than all these folk having a hardened hearts. The poor “gaming the system” is all that they have been exposed to. I am a firm believer that until you put a face on something it continues to be an abstract thing. Very few of this group has likely come face-to-face with anyone who is poor. If these folks want to see how “easy” it is maybe they ought to try and live on $1200 a month or less.

I really don’t know how large the “strident conservative” population is but I suspect it is something in the neighborhood of 20% of the overall population and of course most of those in that group are ardent Fox News viewers. That fact goes a long ways in telling us why they have the beliefs that the poor have it too easy.

I know one strident conservative who basically parroted the above beliefs but then went on to say that his sister was on welfare and Medicaid. He says she is an exception to all those others in those programs. She needs the help and all the rest are just gaming the system.  I wonder how many in this polls have similar experiences?

Many say that religion and politics don’t mix but this is one of those areas that I thoroughly mix them. Jesus made it abundantly clear that we are to be our brother’s keeper. We are to literally give him the shirt off our backs if he needs it.  Being a follower of Jesus I therefore align with helping those less fortunate in life than myself. I don’t see how I could do otherwise.

I know there are those, especially in the above group, who say it is the church’s job to help the poor not governments. While I don’t necessarily disagree with that I know it is not even a remote possibility. I am very aware that most churches spend more than 90% of their income taking care of the church/clubhouse and keeping their congregations comfortable. Even if they managed to reverse that ratio they would be quickly overwhelmed by the needs.

I think of my government as doing the people’s business.  That is the things that we as individual citizens can’t do for ourselves.  Taking care of those who struggle in our society is part of that business. I pray that my strident conservative friends some day come to realize this fact.

2014-06-29_08-08-44Consider this headline from a recent survey of retirees: “Many Regret Decision to Take Social Security Early.”

Sounds ominous, right? Well, the problem is that the title isn’t entirely supported by the survey’s actual results, which found that only 38% of respondents “say they wish they would have waited” longer before taking benefits. According to this, in other words, somewhere along the lines of 62% of respondents, or a large majority, evidently don’t regret the decision.And why should you?

As Motley Fool contributor John Maxfield explains in the following video, the Social Security Administration has designed the benefit formula to pay the same amount of total benefits over the life of a typical person irrespective of when they elect to take them. Additionally, as John goes on to discuss, taking benefits sooner rather than later can facilitate an earlier retirement, which allows retirees to escape the physical and psychological wear and tear associated with many jobs.

SOURCE: Social Security: Why You Shouldn’t Regret Taking Benefits at 62.

The source of this article is “Motley Fool”. I readily admit that they are on my daily read list. They, like me, have a somewhat contrarian philosophy. Maybe that is what draws me to them.  I don’t know why the topic of the article isn’t talked about much. Since I know that many of my readers are approaching or are in retirement, I thought I would talk about this again.

The fact is if you have a relatively normal or shorter life line in your genealogy then it makes good sense to take Social Security early. As the article mentions SSA has a formula that basically gives you the same overall amount independent of when you take it. I think the calculated age at death is currently 78. If you die before this age you will come out ahead if you take social security early. If you live longer than you may come out ahead if you wait.

The other thing that even this source article doesn’t mention is that if you take it early and  are able to invest the money profitably you will bank even more. Now I know in the age of almost zero percent bond rates and very fluctuating markets investing anything for a substantial profit takes work and some risk but even a small return will allow you to come out ahead.

In my case I look at the family tree and I see parents, grand parents, and great grand parents dying before the 78 year mark so I took it early and like usual I am not looking back on that decision.  I am among those 62% who don’t regret that early decision. It allowed me to bank about an additional $75,000 that is still growing today six years later.  If I live to be an old ornery fool of ninety I  would have been better to wait but at  ninety I probably won’t even be able to appreciate that fact. :)

Driving Me Nuts…..

July 7, 2014

2014-06-28_08-23-07“Republicans are mad at me for taking these actions. They’re not doing anything and then they’re mad at me for doing something. I’m not sure which of the things I’ve done they find most offensive, but they’ve decided they’re going to sue me for doing my job,” Obama said in his speech at picturesque Lake Harriet….

Obama likes to joke that he is like a bear breaking out of his cage. On Friday, he said Republican inaction “drives you nuts … and it drives me nuts.”

“Sometimes I’m supposed to be, you know, politic about how I say things, but I’m finding lately that I just want to say what’s on my mind,” he said.

Other presidents have actively invoked executive actions. During his first four years in office, Obama signed 147 such orders. In comparison, George W. Bush signed 173, Bill Clinton enacted 200 and Ronald Reagan ordered 213 in their first terms.

SOURCE: Obama blasts House Republicans over lawsuit threat – Yahoo News.

After my recent vacation I am feeling more stress free than I have for a while so I thought I would do a more political post here. Yeah, I am aware that President Obama’s ratings are below 50% and in fact I am one of those who are just not impressed with his actions.  To me he just seems to be too timid, or maybe a better word is intellectual, when it come to his actions. We need a ball-buster like LBJ in the Oval Office instead of an intellectual to do battle with all those Republicans who are totally frozen by their various fears.

Congress won’t do anything to help us attack our 21st century problems and now they want to also prevent the president from doing anything. I certainly can relate to his comment in that it drives me nuts.  As he said, he just needs to say what is on his mind and maybe more importantly act upon it. I think Mr. Obama is a good guy who has a compassionate heart for all of us who are struggling but…

I can’t understand how those GOP in Congress can say things that are so easily disproven by the facts.  I guess they don’t think that anyone bothers to research what they say. I am sure that is true for many of the Fox News viewers but I hope the other 90% of us who don’t watch that vitriol news channel take the time to know what is real and what is pure hype. Of the four previous presidents Mr. Obama has used his executive authority less than all of them. The problem is not too much but too little action.  To me the problem is that the president needs to grow a pair and get on with the business of the country. Unfortunately he just seems unable to do that….

This is part of the continuing series about the misconceptions of Christianity by Stephen Mattson.

Christianity Causes Prosperity

Some treat Christianity as a cash cow, a way to become “blessed,” “rich” and “successful.” But this was never Jesus’ intention.

Becoming a Christian doesn’t guarantee financial, relational, physical, intellectual, emotional or professional gain.

Many have used the allure of “being blessed” and “getting rich” as a way to manipulate and motivate people into following Christ, but in reality faithfully loving God demands giving of yourself—and your possessions.

If you’re looking for peace, prosperity, success, fame, fortune and personal glory—Christianity isn’t for you.

I must admit that the “Prosperity Gospel” totally turns me off.  It is a gross misrepresentation of what it means to be a Christian. Joel Osteen just has it wrong as far as I am concerned. But of course in some ways he is right in that his version of being a Christian has made him exceedingly wealthy at least in monetary term.

We must look at the early Christians to see the purest forms of being a follower of Jesus meant. Whether we Americans want to admit it or not the early Christians, that is those before Constantine hijacked Christianity in order to shore up his kingdom, were much more communistic than capitalistic. When they joined a group of followers of Jesus they typically gave all their wealth to the leaders of the group to be used for everyone.

Now I am not denying that being a follower of Jesus has its rewards, but they are more emotional and spiritual than anything to do with monetary gain. I kind of disagree with Stephan’s last sentence in that I have found great peace in being a follower; that is a big reward to me. But I do agree with the rest of the items on his list. Personal glory is a very entrancing thing for all of us. We want others to know what we do, at least the good parts, and to give us our share of glory. Christ tells us that seeking glory is not a Christian trait.

Being a follower of Jesus means to love God and to love each other. He made it very clear that those are the primary structures for our faith. Everything else is very secondary at best and much of what we seem to deem important in Christianity today did not even show up on Jesus’ radar.  Joel Osteen’s wealth is certainly toward the top of that very unimportant list.