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Saturday, December 9, 2017

Jesus Take the Wheel

Recently, Suzanne played the song Jesus, Take the Wheel.  The story of this song is that the woman is overwhelmed by the events going on.  The most recent event is that she hits a sheet of black ice, way too fast.  As she is sliding around, she throws up her hands and turns it over to Jesus saying, “Jesus, take the wheel.”

We feel very much like that right now.  Current health conditions are keeping us away from our computers.  This means we cannot blog like we usually do.  Of course, this means our audience won’t be getting posts as often as they are used to.

Suzanne is suffering certain medical conditions that drag her down.  However, she is still waiting on me hand and foot since I am supposed to spend most of my time flat on my back with my feet propped up.

If we had a laptop computer, I could still post.  I could not make the YouTube videos from flat on my back, but I could still make the posts.  

In the meantime, my day is filled with reading and making hats on the round loom.

We are asking Jesus to take control of this situation, and He has.  We see a small check here and a rebate there that is helping to keep us going financially.

Just know that we want to be back online soon.  We will be posting sort of sporadically until at least the 6th of January.  We are praying this foot will heal sooner.  

Please keep us in your prayers.


If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog


I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Thursday, December 7, 2017

Do the Math



We are going to start out this post with a shout out to our friend, Al Zdenek.  Al is a best-selling author and wealth advisor.  Learn a little more about him at the bottom of this post.

Forbes has recently re-released Zdenek’s best-selling book, Master Your Cash Flow: The Key To Grow And Retain Wealth. We would like to share with all of our How To Manage Your Monkey audience what a great financial advisor can do for you.

There are many things that Al advises that not only work for the super wealthy, they also work for us down here on the beans and rice level of society.

One of those things is for us all to “Do the Math”.  Whenever you are faced with an economic decision, it is important that you know how it will affect you.

It is just as important to know how that rent-to-own television will affect your ability to buy the Gi-Joe with the Kung Fu Grip for your kid’s Christmas as it is to know how buying that luxury auto will affect your retirement years.

You may be at the level where you contemplate putting off buying a Pumpkin Spice Latte (never had one) so that you can invest more in your retirement, or you may be at the level where a $1 large cup of coffee means your kids go without lunch money for a day.  Either way, it is important to understand that you should do the math before making any financial decision.

We here at How to Manage Your Monkey are sometimes asked, “Should I put my money in a Traditional IRA or a Roth IRA?  The best answer we can give you is, “It depends.”  Another answer would be to “Do the Math.” We do not yet know what Al would advise in this situation.

No one knows what the tax laws will be like in the future.  Therefore, some financial writers we have read, and there have been many, say “Both”.  It really boils down to where you are right now financially-speaking versus where you believe you will be when you start to draw the money out.

If you are like us, well below the poverty line, taking the tax bite right now would be a good idea.  We know that one day we will be one of the super wealthy that Al advises.  

But, if you are making a very good income right now, and you believe that you will be in a lower tax-bracket in your retirement years, then it might be wise to defer the taxes.  

This brings up another one of the very wise bits of advice that Zdenek gives his readers in his first book. Consult a trained, licensed professional.  When you are dealing with your financial future, it is always wise to let someone who knows what they are doing look over your financial plans and advise you.

Whether you are the kind of person who knows the differences in wine vintages or you are like many of our friends that know the difference between red label and blue label Thunderbird, it is always important to have a good, solid financial plan based on the best financial advice available.

Al has a new book coming out in March of 2018.  Even though Manian Debil Productions is a Top Reviewer on Amazon, we do not yet know if we will be one of the lucky ones chosen to review the book.  

Even if you have to roll the change under your couch cushion to buy Master Your Cash Flow: The Key To Grow And Retain Wealth, you should add it to your financial library.  It will make a great Christmas gift for those on your list who are serious about their retirement years.



----------



About Al Zdenek
Al Zdenek (www.AlZdenek.com) – author, speaker and
Al Zdenek
wealth advisor – is the President, CEO and founder (1982) of Traust Sollus Wealth Management, a boutique wealth management firm dedicated to empowering people to live the life they wish now and in the future by consistently making the best financial decisions.



His bestselling book, Master Your Cash Flow (Forbes Books) shows readers how to avoid making poor and disastrous financial decisions, finding additional cash flow from every-day decisions that, if saved, will build wealth sooner.





Zdenek has been contracted by ForbesBooks to continue writing the Master Your Cash Flow series, with a new book entitled Master Your Cash Flow: The Key to Build a Valuable Business, to be released in March 2018.  The upcoming book will be for entrepreneurs, business owners, CEOs and anyone who wishes to run a successful business.  




If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog


I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Thursday, November 30, 2017

Make It Yourself



Star Parts
1119 E. Milam St
Wharton, TX 77488
(979) 532-1500
This post starts out with a shout out to our friends at Star Parts.  Star Parts is a CarQuest store in Wharton, Texas.  They sell parts and so much more.

The reason we want to shout out to Star Parts on this post is because they have been so very helpful when it comes to us making it ourselves.  

They often have very helpful suggestions on how we can repair things ourselves and save money in the long run.

Charles at Star Parts helped us design the screens we use in the Manian Debil Productions studio.  The suggestions offered by Charles at Star Parts helped us to save some money and a lot of time.  Thanks, Star Parts.

Papa Bruce, my father, was a pretty darn good carpenter and a pretty sharp fellow.  He used to say, “Why buy it when we can build it ourselves?  We can make it cheaper and a whole lot better that way.”

When we were making our Western Auto Store a clone of the Western Auto Flag Stores, we found that this was very true.  One thing was the parts counter for the parts department at the store.  Western Auto had one we could buy and assemble for thousands of dollars.  It would do the job, but cost way too much.



Papa Bruce decided we could build it.  So, for the price of a few pieces of metal, and a case of beer, he had the local technical college weld some support braces for the counter.  Add a sheet of plywood and some Formica and we had ourselves a parts counter for only $200.

This DIY parts counter was so strong we could have parked a fleet of busses on it, if we needed to.  The bottom line here is that “so-called” professionally made items are not necessarily better than what you can do yourself.  Also, there is a sense of pride it building something with your bare hands.

This reminds me, along that same time, Papa Bruce decided we needed an intracom. He asked me to buy and install one.  So, I did.  During this installation, I was up on an 8-foot step ladder and lost my hammer.  I looked everywhere for it.  I climbed down the ladder and looked some more.  I could not remember what I did with it.  I went to my tool case and got my other hammer then, I went back to move the ladder.  

I folded the steps to the ladder so I could move it. If you are familiar with most step ladders, you know there is a tool shelf that folds up when the ladder is folded.

As that shelf folded, I was reminded that I had left the lost hammer on the fold-away shelf.  I was reminded of that when the hammer fell off that shelf and onto my head.  I had to go to the doctor's’ office in town and get a stitch in my noggin.

If you have any other ideas of how to save money, drop me an email at gindysvideos@gmail.com .
If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog

+++

I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Monday, November 27, 2017

The Richest Man in Babylon Chapter Two The Man Who Desired Gold -

Chapter 2 - The Man Who Desired Gold -

Bansir, the chariot builder of Babylon, was thoroughly discouraged. From his seat upon the low wall surrounding his property, he gazed sadly at his simple home and the open workshop in which stood a partially completed chariot.

His wife frequently appeared at the open door. Her furtive glances in his direction reminded him that the meal bag was almost empty and he should be at work finishing the chariot, hammering and hewing, polishing and painting, stretching taut the leather over the wheel rims, preparing it for delivery so he could collect from his wealthy customer.

Nevertheless, his fat, muscular body sat stolidly upon the wall. His slow mind was struggling patiently with a problem for which he could find no answer.

The hot, tropical sun, so typical of this valley of the Euphrates, beat down upon him mercilessly. Beads of perspiration formed upon his brow and trickled down unnoticed to lose themselves in tie hairy jungle on his chest. Beyond his home towered the high terraced wall surrounding the king's palace. Nearby, cleaving the blue heavens, was the painted tower of the Temple of Bel. In the shadow of such grandeur was his simple home and many others far less neat and well cared for. Babylon was like this --- a mixture of grandeur and squalor, of dazzling wealth and direst poverty, crowded together without plan or system within the protecting walls of the city.

Behind him, had he cared to turn and look, the noisy chariots of the rich jostled and crowded aside the sandaled tradesmen as well as the barefooted beggars.

Even the rich were forced to turn into the gutters to clear the way for the long lines of slave water carriers, on the "King's Business," each bearing a heavy goatskin of water to be poured upon the hanging gardens. Bansir was too engrossed in his own problem to hear or heed the confused hubbub of the busy city.

It was the unexpected twanging of the strings from a familiar lyre that aroused him from his reverie. He turned and looked into the sensitive, smiling face of his best friend --- Kobbi, the musician.

"May the Gods bless thee with great liberality, my good friend," began Kobbi with an elaborate salute. "Yet, it does appear they have already been so generous thou needest not to labor. I rejoice with thee in thy good fortune.

More, I would even share it with thee. Pray, from thy purse which must be bulging else thou wouldst be busy in your shop, extract but two humble shekels and lend them to me until after the noblemen's feast this night. Thou wilt not miss them ere they are returned."


"If I did have two shekels," Bansir responded gloomily, "to no one could I lend them --- not even to you, my best of friends; for they would be my fortune --- my entire fortune. No one lends his entire fortune, not even to his best friend."

"What," exclaimed Kobbi with genuine surprise, "Thou hast not one shekel in thy purse, yet sit like a statue upon a wall! Why not complete that chariot? How else canst thou provide for thy noble appetite? Tis not like thee, my friend. Where is thy endless energy? Doth something distress thee? Have the Gods brought to thee troubles?"


"A torment from the Gods it must be," Bansir agreed. "It began with a dream, a senseless dream, in which I thought I was a man of means.

From my belt hung a handsome purse, heavy with coins. There were shekels which I cast with careless freedom to the beggars; there were pieces of silver with which I did buy finery for my wife and whatever I did desire for myself; there were pieces of gold which made me feel assured of the future and unafraid to spend the silver. A glorious feeling of contentment was within me!

You would not have known me for thy hardworking friend. Nor wouldst have known my wife, so free from wrinkles was her face and shining with happiness. She was again the smiling maiden of our early married days."

"A pleasant dream, indeed," commented Kobbi, "but why should such pleasant feelings as it aroused turn thee into a glum statue upon the wall?"

"Why, indeed! Because when I awoke and remembered how empty was my purse, a feeling of rebellion swept over me.

Let us talk it over together, for, as the sailors do say, we ride in the same boat, we two. As youngsters, we went together to the priests to learn wisdom.


As young men, we shared each other's pleasures. As grown men, we have always been close friends.

We have been contented subjects of our kind. We have been satisfied to work long hours and spend our earnings freely. We have earned much coin in the years that have passed, yet to know the joys that come from wealth, we must dream about them.

Bah! Are we more than dumb sheep? We live in the richest city in all the world. The travelers do say none equals it in wealth.


About us is much display of wealth, but of it we ourselves have naught. After half a lifetime of hard labor, thou, my best of friends, hast an empty purse and sayest to me, "May I borrow such a trifle as two shekels until after the noblemen's feast this night?"


Then, what do I reply? Do I say, "Here is my purse; its contents will I gladly share?' No, I admit that my purse is as empty as thine. What is the matter? Why cannot we acquire silver and gold --- more than enough for food and robes?

"Consider, also, our sons," Bansir continued, "are they not following in the footsteps of their fathers? Need they and their families and their sons and their sons' families live all their lives in the midst of such treasurers of gold, and yet, like us, be content to banquet upon sour goat's milk and porridge?"

"Never, in all the years of our friendship, didst thou talk like this before, Bansir." Kobbi was puzzled.

"Never in all those years did I think like this before. From early dawn until darkness stopped me, I have labored to build the finest chariots any man could make, soft- heartedly hoping some day the Gods would recognize my worthy deeds and bestow upon me great prosperity. This they have never done. At last, I realize this they will never do.

Therefore, my heart is sad. I wish to be a man of means. I wish to own lands and cattle, to have fine robes and coins in my purse. I am willing to work for these things with all the strength in my back, with all the skill in my hands, with all the cunning in my mind, but I wish my labors to be fairly rewarded.

What is the matter with us? Again I ask you! Why cannot we have our just share of the good things so plentiful for those who have the gold with which to buy them?"

"Would I knew an answer!" Kobbi replied. "No better than thou am I satisfied. My earnings from my lyre are quickly gone. Often must I plan and scheme that my family be not hungry.

Also, within my breast is a deep longing for a lyre large enough that it may truly sing the strains of music that do surge through my mind. With such an instrument could I make music finer than even the king has heard before."

"Such a lyre thou shouldst have. No man in all Babylon could make it sing more sweetly; could make it sing so sweetly, not only the king but the Gods themselves would be delighted. But how mayest thou secure it while we both of us are as poor as the king's slaves? Listen to the bell! Here they come." He pointed to the long column of half naked, sweating water bearers plodding laboriously up the narrow street from the river. Five abreast they marched, each bent under a heavy goatskin of water.

"A fine figure of a man, he who doth lead them." Kobbi indicated the wearer of the bell who marched in front without a load. "A prominent man in his own country, 'tis easy to see."

"There are many good figures in the line," Bansir agreed, "as good men as we. Tall, blond men from the north, laughing black men from the south, little brown men from the nearer countries. All marching together from the river to the gardens, back and forth, day after day, year after year. Naught of happiness to look forward to. Beds of straw upon which to sleep --- hard grain porridge to eat. Pity the poor brutes, Kobbi!"

"Pity them I do. Yet, thou dost make me see how little better off are we, free men though we call ourselves."

That is truth, Kobbi, unpleasant thought though it be. We do not wish to go on year after year living slavish lives. Working, working, working! Getting nowhere."

"Might we not find out how others acquire gold and do as they do?" Kobbi inquired.

"Perhaps there is some secret we might learn if we but sought from those who knew," replied Bansir thoughtfully.

"This very day," suggested Kobbi, "I did pass our old friend, Arkad, riding in his golden chariot. This I will say, he did not look over my humble head as many in his station might consider his right. Instead, he did wave his hand that all onlookers might see him pay greetings and bestow his smile of friendship upon Kobbi, the musician."

"He is claimed to be the richest man in all Babylon," Bansir mused.



"So rich the king is said to seek his golden aid in affairs of the treasury," Kobbi replied. "So rich," Bansir interrupted, "I fear if I should meet him in the darkness of the night, I should lay my hands upon his fat wallet."

"Nonsense," reproved Kobbi, "a man's wealth is not in the purse he carries. A fat purse quickly empties if there be no golden stream to refill it. Arkad has an income that constantly keeps his purse full, no matter how liberally he spends."

"Income, that is the thing," ejaculated Bansir. "I wish an income that will keep flowing into my purse whether I sit upon the wall or travel to far lands. Arkad must know how a man can make an income for himself. Dost suppose it is something he could make clear to a mind as slow as mine?"

"Methinks he did teach his knowledge to his son, Nomasir," Kobbi responded. "Did he not go to Nineveh and, so it is told at the inn, become, without aid from his father, one of the richest men in that city?"

"Kobbi, thou bringest to me a rare thought." A new light gleamed in Bansir's eyes. "It costs nothing to ask wise advice from a good friend and Arkad was always that. Never mind though our purses be as empty as the falcon's nest of a year ago. Let that not detain us. We are weary of being without gold in the midst of plenty. We wish to become men of means. Come, let us go to Arkad and ask how we, also, may acquire incomes for ourselves."

Thou speakest with true inspiration, Bansir. Thou bringeth to my mind a new understanding.

Thou makest me to realize the reason why we have never found any measure of wealth. We never sought it. Thou hast labored patiently to build the staunchest chariots in Babylon. To that purpose was devoted your best endeavors. Therefore, at it thou didst succeed. I strove to become a skillful lyre player. And, at it I did succeed.

"In those things toward which we exerted our best endeavors we succeeded. The Gods were content to let us continue thus. Now, at last, we see a light, bright like that from the rising sun. It biddeth us to learn more that we may prosper more. With a new understanding we shall find honourable ways to accomplish our desires."

"Let us go to Arkad this very day," Bansir urged, "Also, let us ask other friends of our boyhood days, who have fared no better than ourselves, to join us that they, too, may share in his wisdom."

"Thou wert ever thus thoughtful of thy friends, Bansir. Therefore hast thou many friends. It shall be as thou sayest. We go this day and take them with us."

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog

Introduction
Chapter One

I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.



Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!