General Interest Monette Adeva Maglaya
There is no cure for birth and death save to enjoy the interval.—George Santayana
(With nearly 600,000 jobless Americans, millions who have lost their homes to foreclosures and the prospect of multiple industries across the board doing a turn-around from this deepening slump anytime soon, the picture can be terrifying even for those who have been this way before. It is as if someone pulled a giant plug and we are being drawn to a black hole of despair. The misery index is rising.
Why do we do it? Why do we encumber ourselves with possessions? —Alice Thomas Ellis
(In a few short weeks, many will be doing their spring cleaning and letting go of the stuff they have squirreled over the years, either to reclaim space for some breathing room or liquidating items for a few extra bucks. Hard core pack rats will hang on to their possessions preferring to rent public storage units instead. Mainly because of the recession, people are finding ways to downsize, live lean, scrimp and save and weather the tough times.)
Starting up as an immigrant? There is one guerilla tactic you ought to know. The key is to scrimp your way through, at least in the early stages. If doing this is beneath you, fold that ego to the size of a postage stamp and take heed. Take care NOT to start creating a financial burden by going into debt. The root of this current financial crisis can be traced to millions of consumers that are over-extended, living beyond their means or borrowing on future incomes. Immigrant or not, CASH REMAINS KING. With a little cash, you can go to garage sales, tag sales and estate sales to find practically everything that you will need, and more besides, to set you up in your new place —for just pennies on the dollar. Indeed, one man’s junk is another man’s treasure.
Lack of money is the root of all evil. —George Bernard Shaw
Many immigrants do not realize until it is too late that they have become addicted to the use of credit cards to the point that after just a few years, they seek credit card counselling and, in a worst case scenario, bankruptcy relief protection. They have unwittingly entered credit card hell with collection agencies hounding them and recording all sorts of negative entries into their credit history.
"The darkest hour of any man’s life is when he sits down to plan how to get money without earning it."—Horace Greeley
(Because times are tough, many are looking for ways to cope financially. Job growth in many US industries has ground to a halt. There are a few cushy, undemanding jobs available that pay cut-and-dried salaries. On one hand, there are many offers of opportunities to make money in multilevel marketing and direct sales organizations that depend on a network of people (bodies) to push their products or services. Properly and ethically done, multilevel marketing can work for some. One caveat: If you don’t like selling or dealing with people and all that it entails, you would do well to look elsewhere. Here’s an article that may shed some light on this practice should you decide to go this route.)
The art of being wise is knowing what to overlook. —William James
EIGHTY percent of things don’t matter; twenty percent do. So why agonize when we can cut to the chase? Oftentimes, the reason is that we still don’t have the analytical ability, perception or maturity to know which is fluff and which is meat.
Vilfredo Pareto, an Italian sociologist in the late nineteenth century, introduced the concept of the 80/20 rule which states that in any given group, only 20 percent will constitute what is important and the remaining 80 percent will be trivial. This rule is referred to as the "vital few" and the "trivial many". While this concept was originally meant to be applied to the principles of economics and sociology, the 80/20 rule can be applied to just about anything that involves a list or a group of elements in daily life. Using the Pareto principle will clear your life of overwhelming junk.
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