Archive | Yellow Brick Road RSS feed for this section

The New Middle Class

7 Mar

Since I was a teen I said I wanted to help the poor to middle class learn about money. I always said that there would be two classes. Rich or poor. There will be no middle class. Who knew in less than ten years this would be true. I was a kid talking crazy. I didn’t watch CNN much I just had a vision.
It has been said that in order to be considered middle class your household income has to be at least $150,000 USD per year. Once upon a time that was living the good life. Now that’s just surviving. With the static, 40+ percent of 18-23 year olds are unemployed, makes it difficult to start some where. Most adults are working in the “teenage” job field because the US unemployment rate is through the roof. There are no jobs anywhere.
Where does one start? How does one begin to build their wealth in order to “survive”? Saving money… daily, weekly, monthly. It doesn’t matter how much just as long as it is something. It’s easier said than done but it is possible.
How do you feel about the new salary requirement to be considered middle class?

Nadie.

Advertisements

Tuesday Night

31 Jan

It’s been a little while since my last post. I meant to share something with you last Tuesday and sitting in this classroom made me think about it again.

Hello!!! Is anyone paying attention? Hello!! It’s me the Professor standing up in front of a classroom filled with 40 plus students who are not paying attention to me yet somehow manage to copy everything that I posted on the board. Hmm.

This is what I observed last Tuesday in my Psych class. One girl to my left was extremely depressed or just healed from depression because she had a personal story to relate to every single founders theory of some school in Psychology. Another kid to the right of me two rows down managed to draw a complete portrait of some man wearing rock star shades and a sarcastic smile. Which was very nice by the way. I kept looking at the drawing and then at the professor but then the drawing was way cooler so I came to the conclusion it wasn’t the professor. As I started to develop a cramp in my right hand from writing so fast yet so neat bc I refuse to write in ten different penmanships on the same paper my teacher decides to turn to the next slide and I then decided to put down my pen in aggravation.
So here we are again on a Tuesday evening in my Psych class and every student who has arrived early seems to be doing another classes homework assignment. Including myself. Ahh the life of being a student, mastering the art of multitasking and oh wait the artist just sat next to me. I wonder what he will decide to draw today.
*imaginary school bell ringing*
Class is in session.

Toodles!

The Must-Have’s of Life

23 Jan

Over the last few years I have grown to love Suze Orman. She is truly America’s Financial Advisor. She recently started a show on OWN (Oprah Winfrey’s Network) called America’s Money Class which I must say is a must see! After watching the third episode I decided to share some info that I took away from this class session. Now the information that I will share is nothing foreign to anyone. At least once in your life you have heard of them so here they are!

  1. A will
  2. Life Insurance
  3. SAVINGS

A will is probably the most important document you will ever sign ever besides a mortgage, which is the most important investment you will ever make. A will is so critical to have that without it so many issues, court fees, lawyer fees, time and money wasted can come to pass without it. If any of the following pertain to you then you NEED a will yesterday if you do not have one.

If you,

  1. Own a home
  2. Are married
  3. Have children
  4. Are sick with disease
  5. Own anything

You need a will. People tend to think that if they do not have a million and ten dollars in the bank they do not need a will. This is not true, if you fall into any of the above categories then guess what you need a will. There are many different types of wills: living trust and a will. But let’s say you own a home and you’re married and you die. You don’t have a will or a living trust saying that your wife should get the house. The state now has to decide who will receive your assets and that can take many months. Same scenario but this time you have children and both of you and your hubby or wife die in a car accident now what? Who is going to take care of your children? What will happen to your home? A will can decide all of this. Get a will. Go to legalzoom.com they are cheap and it takes 15 minutes tops!

Life insurance!!!!!! I can’t emphasize how important it is to have a whole life policy and not a term policy. A whole life policy is for your entire life where a term policy is over a certain amount of time. The younger you get it the better. You are less likely to have illnesses and the insurance will be cheap whereas if you were 45 and this will be your first policy ever you will absolutely pay a few hundred dollars more for insurance. Everyone says I have life insurance with my job. Oh that’s nice but your job isn’t guaranteed we know that for sure with today’s world and oh just in case you didn’t realize it, IT IS NOT ENOUGH!!! Especially if you have a family, wife, husband, children, and a home. If you pass and your husband or wife doesn’t work, or they aren’t the bread winner of the household and you have a $200,000 mortgage left, they can be looking at foreclosure. Then what? Please protect your families! It is so vital to do this. Anything can happen at any time. Social security isn’t going to help you, your family isn’t going to help you forever, your job isn’t going to help you. I know I am talking a lot about death but the one thing you’re completely passionate about is your family. They need to be protected after death. That goes for both husband and wife.  Get on it!! So many insurance companies offer this.  A lot of times you can bundle your car insurance with this to get a cheaper policy. DO IT, AND DO IT NOW! Money doesn’t grow on trees and the ones who do not have 8 months stashed away for an emergency fund can and will be in trouble.

Go back and read my 70-10-10-10 post. You can definitely do this and it is very easy to do so. Just live within your means, cut the unnecessary out of your life and make it happen.

Here are 4 must have documents recommended by Suze Orman from her new show on OWN:

http://www.oprah.com/own-americas-money-class-with-suze-orman/4-Must-Have-Documents

Here is an amazing book by Suze Orman that I will always adore and thank her for because without this book you can be completely in the dark about money.

http://www.amazon.com/Money-Young-Fabulous-Broke-FABULOU/dp/B001TMEBEY/ref=sr_1_2?ie=UTF8&qid=1327340173&sr=8-2

Here is the link for legalzoom to make a will:

https://www.legalzoom.com/legal-wills/wills-overview.html

When it comes to saving absolutely open an account at a bank that you do not bank at if you are not disciplined enough to have it at your own bank. If you are working, make sure you have 10% of it deposited into this account each and every check so that you are building a fund and keeping it out of site. Just remember to pay attention to service fees and account requirements.

Thanks dolls!

Nadia

Daniel Fast Day 9

10 Jan

Yesterday I was so sick!!! The entire day! I had to force myself to eat oats and a banana around 3 in the afternoon. I’m sure it was those amazing tacos that I had but I don’t think ill eat it ever again. I drank Pellegrino with lemon and had a bottle of water. I was not feeling it at all.

I did manage to complete my bible reading for the fast, Luke 6 which was when Jesus chose His disciples. I do realize that I have more talks with God and I am conscience of what I’m saying or how I am reacting to certain things. I notice more people talking to me about the fast and their issues. It allows me to uplift those who I would have never thought needed the encouragement. I love the person I am becoming.

Be blessed!

Free

10 Jan

“See the world as if for the firsttime; see it through the eyes of a child, and you will suddenly find that you are free.”
-Deepak Chopra

Daniel Fast Day 8

9 Jan

I heard a great word in service today and oddly enough the Pastor was discussing fasting. Thank God I am fasting to draw closer to God because if not, I would have definitely felt awkward because of what he said. He said something along these lines, “Fasting does not make you holy. God will not hear your prayers over anyone elses because you are fasting. If you’re fasting to become more holy then you should stop fasting and go eat ten cream puffs.” I don’t even know what a cream puff is but I am glad that is not the case for me. Later he went on to say, “Because we serve a God of goodness, He will bless you no matter if you are good or not.” So many people fail to realize that God is good to them all the time even if they do not walk after Him. He is always looking out for His greatest creation yet people call it luck, I call it favor!

Today I was a bad girl and didn’t eat my first meal until about 6 pm today but it was amazing and delicious. I had a small bag of mixed raw nuts during service. Then after service I had a small bag of freshly popped popcorn and a hand full of my tortilla chips. That was it all day. Lots of water though but no food. So after searching high and low for soft tortilla wraps with no preservatives, I finally found some but they were frozen and I was hungry so that wasn’t going to work. Then I walked my way over to the taco aisle and discovered white corn hard shell tacos which are all natural!

I made a bean and corn filling for my tacos. The recipe was from vegetarian times. http://www.vegetariantimes.com/recipes/9129.

I added a few of my own things as usual: mushrooms, spinach, fresh black ground pepper, avocado, and vegan cheese. (Which wasn’t too bad … The cheese.) I didn’t use the sour cream and I also had a little bit of brown rice on the side. Amazing meal and I will definitely make this again after the fast, it was very good.

image

image

image

Today I read Luke 5 for the fast and Revelation 10-12 for bible study.

Good night!!

Thanks Wil for the plug in on your blog. Check out her blog here http://creativelysaving.blogspot.com/
great stuff and awesome art work!!!

Nadie

Daniel Fast Day 1

1 Jan

Hello and Greetings from my bed on January 1, 2012!!! Thank God for allowing us to see a New Year! Not going to write too much this evening, I will write a Day 1 Pt. 2 post tomorrow.

However, I have been on a food shopping rampage for the last two days and I am pooped out! This afternoon after church I immediately went to the grocery store to buy some veggie burgers and ended getting these brilliant ideas for more meals during the fast. Such as: veggie sausages in homemade Italian sauce, spinach whole wheat orzo and homemade hummus. The day before was a mess and a half because after the gym I went to three different farmers markets to get fruits and veggies. I will try and post a picture of my fridge last night. So, when I got home from shopping this afternoon I attacked all the fruits and veggies and started separating them into sandwich bags so I wouldn’t have to do it daily. 7 hours later I am writing this blog! Wow!! I achieved a lot the only thing I didn’t do was eat the entire time and cut two heads of lettuce. Lol!

Tomorrow I will tell you the rest of my Day 1 and oh before I forget my dinner was awful but I am mentally preparing myself for this box of cereal until the end of the fast. I had shredded wheat cereal with unsweetened soy milk. I am already used to drinking soy but with vanilla flavor however this cereal shouldn’t be sold in stores. It gets soggy wayyyy too quickly and I do not like soggy cereal. I wanted to gag while eating this cereal. Tomorrow morning before the gym I know to add fruit and less milk!

I am reading my usual bible reading (the next three chapters of Revelation for my bible study on Wednesday) and I am also reading Psalms 1 & 2 for the Daniel Fast!

Have a good night!

image

This is the refrigerator, lots of veggies behind veggies!

For those of you who follow my blog, who are also fasting, may God give you strength during this journey to draw closer to Him. Xoxo

%d bloggers like this: