Which movie is boring but still regarded as a cult classic or masterpiece? I’ll go first and say, No Country for Old Men. After writing several of these movie posts, I’d better see what was so great about this film on every internet list. I don’t get the hype. After someone asked a film forum for other examples, these films were discussed the most.
1. Citizen Kane (1941)
Citizen Kane. One explains they realize it’s important and, for some, the most excellent film ever made. Furthermore, it touches on societal issues we are still experiencing today. However, it was called out as the most boring film of all time, more than any other in the thread. “I watch movies to escape from the evils of society, not sit and stew over them.”
2. 2001: A Space Odyssey (1968)
Surprisingly, numerous filmgoers confess that 2001: A Space Odyssey is dull and their favorite movie ever made. Interesting. One man admits he attempted to watch the film multiple times but always fell asleep before making it through.
3. Forrest Gump (1994)
Forrest Gump was referenced as “boomer nostalgia” and “badgeringly sentimental, simplistic and really has no point.” Nevertheless, everyone agreed the soundtrack is killer. I love both.
4. The Godfather (1972)
Not they did not. The Godfather? How is this labeled as boring? Many others argue in favor of the masterpiece, with some calling out people who can’t watch a movie unless it’s filled with unrealistic action and CGI. Others suggest that it’s too long and “insists upon itself.” Lies!
5. Blade Runner (1982)
The cult classic Blade Runner was noted as a masterpiece, but seriously long and tedious. One explains that the story “isn’t even that great, and it is straightforward without any twists or surprises.” Another argues they love the ending and call it “spooky and entertaining.”
6. Joker (2019)
Someone says Joker was a “man laughing throughout the movie without any real content.” Before suggesting, those were wasted hours that they could never get back. Another admits that they liked the film. However, they feel it is overrated and that the most praised parts of the film are the wrong parts to glorify. I love Joker, and I’m afraid I have to disagree with these assertions.
7. Stalker (1979)
A moviegoer suggests that Tarkovky’s Stalker intentionally bores you to convince you that it would take too long for any help to come to the characters from the outside world. A second film buff agrees, adding, “Tarkovsky’s films are mind-numbingly boring but also profoundly beautiful.”
8. Scott Pilgrim vs. The World (2010)
Scott Pilgrim vs. The World has been called a cult classic. However, one filmgoer disagrees, stating they found it SO dull. Furthermore, they say the first two video game fight sequences were fun, but they got old fast and were the entire movie.
9. A Clockwork Orange (1971)
A Clockwork Orange. A critic explains that it’s not an easy movie or book to get through. Further noting that it is such an odd movie that you must watch it multiple times to grasp what the dialogue means.
10. Planet of the Apes (1968)
Planet of the Apes is “very long and boring.” Nonetheless, they add that by watching it with the right people; you will have the best time saying “monkey” repeatedly and saying, “wait till my father hears about his” when Draco Malfoy shows up. Watching it on your own is terrible, but very funny with others.
Source Reddit.
Who is one actress you can never stand watching, no matter their role? After polling the internet, these were the top-voted actresses that people couldn’t stand watching.
10 Actresses People Despise Watching Regardless of Their Role
These 7 Celebrities are Genuinely Good People
We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble?
These 7 Celebrities are Genuinely Good People
Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.
These 10 Activities Are an Immediate Red Flag
Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.
10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth
We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.
These 10 Terrible Movies Are Still People’s Favorites
created a new rule, which took effect Monday. It changes mortgage fees based on a borrower’s credit score.
Here’s why you should care: If you are an American who has worked hard for good credit, you are likely to pay more on your home loan now than you would have before this revision.
By charging borrowers with good credit scores higher fees, those with non-stellar scores will pay less steep fees than they did previously. Think of it as mortgage socialism.
“It is absolutely intended to create a greater cross-subsidy,” Mark Calabria, a senior adviser at the Cato Institute and former FHFA director, told me. “So the kind of outrage you may be hearing in conservative circles about how this is penalizing people who have good credit to subsidize people with bad credit is 100% true.”
Hint: Biden and Democrats don’t think it’s parents
‘Equitable’ for whom?
Biden tried to do something similar with his $400 billion-plus student loan “forgiveness” plan by creating a situation that unfairly penalizes those who have paid the loans they took out – and the ones who never got loans in the first place – by making them pay for this leniency.
This housing rule change will have broad impact, as it affects most loans guaranteed by Fannie Mae or Freddie Mac, which are in turn backed by taxpayers. These loans comprise about 60% of the mortgage market.
Biden must compromise on debt ceiling:Otherwise, we’re all headed toward disaster
look at what happened in 2008 with the mortgage meltdown.
sent a letter last month to FHFA Director Sandra Thompson, a Biden nominee.
“This shortsighted and counterproductive policy demonstrates a profound misunderstanding of the necessity of accurately tailoring housing finance products to credit risk and establishes a perverse incentive that punishes hardworking Americans for their fiscal prudence,” the letter said.
Joe Biden wants you to think GOP is the biggest ‘threat’ to Social Security. He’s wrong.
In addition, state treasurers and finance officials from 27 states sent a letter on Monday urging the Biden administration to backtrack from the policy.
“It is already clear that this new policy will be a disaster,” they wrote. “It amounts to a middle-class tax hike that will unfairly cost American families millions upon millions of dollars.”
Even a former federal housing official under President Barack Obama slammed the Biden rule, saying it’s “unprecedented” and “not the way” to encourage more home ownership.
The cost of the fee change won’t be huge for most borrowers, but one estimate pegs the extra costs for higher-credit borrowers at $3,200. That’s not an insignificant charge, especially one caused by bureaucratic meddling.
Besides, it’s the principle that counts. And Biden’s wrong on this one.
Ingrid Jacques is a columnist at USA TODAY. Contact her at [email protected] or on Twitter: @Ingrid_Jacques
Should we pay off our house early? What about the next house? Don’t worry guys, we haven’t bought our next house just yet. We’re keeping our current one for at least another 12 months.
However, we have been thinking about whether we should pay off our current house quickly (we have been debating whether we want to rent it out or not – if we decide to sell then we of course wouldn’t pay off the current house quickly) and even whether or not we should pay off our next house quickly as well.
Our income has increased by a lot over the past couple of years, and I talked about this in my post from last week Financial Goals and Increased Income – Many Changes. Because of the increased income, it is hard not to think about just throwing everything extra (after student loans and retirement) towards our mortgage.
We’ve been making around $8,000 extra each month because of all of our side hustles, and it’s hard to not want to pay down all debt, regardless if someone thinks that it is good or bad debt.
Earlier this month, Holly made a post about how she wrote a check for $8,700 so that they could pay down their mortgage a little more quickly. Most people were extremely happy for her and her family, but of course there are others out there who would rather pay down their mortgages slowly. Crystal also recently made a post about how they paid off their first house recently, WOOHOOO!
I have calculated it over and over again, and we could pay off our current house early next year if we wanted to. WHATTT? Then why would you even want to buy a second house?!
This is something that I’ve/we’ve been asked often. We love our house, but we bought it when we were 20 years old. It’s a great home, but we bought it knowing full well that it was only a starter home for us.
Anyway, I do have my Finance MBA and realize that I should be using debt to my advantage, such as with taking advantage of historically low interest rates (boy, do I sound like a commercial). But there’s that nagging inside my head that keeps saying “MORTGAGES ARE DIFFERENT! Pay that baby off!”
Advantages of Paying off Your Mortgage Early
The main advantage is that if I pay off my mortgage, at that point it would mean that we would have no other debt. That just sounds awesome.
And, I’m the type of person who keeps a large amount in our emergency fund. Even though we will probably never have to tap into it, I still want it. I like the comfort of knowing that it’s there, and that if something did come up, I wouldn’t have to run around with my head chopped off trying to solve whatever went wrong.
And this is how I see paying off our mortgage early. I see freedom, comfort and everything else. Yes, I do realize that paying off our next house completely is years away (hopefully less than 5 years from the purchase date though) and that there are other costs of having a home such as property taxes and home insurance which will still need to be paid even though we would no longer have a house payment. However, having a big chunk completely eliminated from our budget every month sounds nice.
Once my student loans are gone, which should be next month, then I of course want somewhere else to shovel my money. We do have car loans, but that is at a low rate (much lower than our mortgage), and I’m not worried at all about paying those off. I am not saying that I want to shovel 100% of all leftover money towards paying off our next house quickly. We would still save for retirement and other fun things, but we would also make extra payments as much as we can as well.
If you have a high interest rate on your mortgage, it is probably worth it to pay off your loan as well or at least get it refinanced. However, it doesn’t seem like I hear about too many people with high interest rates on their mortgage these days though.
Advantages of Paying off Your Mortgage Slowly
There are many advantages of paying off your mortgage slowly or just making the normal payment every month. You can invest your extra cash elsewhere and earn a higher rate since today’s interest rates are very low, especially when you factor in inflation. If you have a fixed rate loan, then a $1,000 payment today will still be a $1,000 payment 30 years from, but with inflation 30 years from now, $1,000 will be nowhere near the amount that it is worth today.
If you don’t pay off your mortgage quickly and put it in other investments, then all of your money won’t be tied into one thing, which is real estate. This point doesn’t really apply to us, as we would be working on paying it off quickly, but we would still aim to be saving for retirement at a larger rate. But for others who shovel 100% of their money towards their mortgage, this could be a problem if they needed a large chunk of change at the last second. Then there is of course the tax factor and how you can deduct interest expense as well.
If you have loans at a high interest rate (or anything higher than your mortgage), are not saving for retirement at all, have no emergency fund and so on, then making mortgage repayment your priority might not be the best option. Pay off those high interest loans!
Why are you paying down your mortgage quickly or slowly?
If you don’t currently have a mortgage, what would you do?
Want to close more off-market deals? Interested in working with developers? In March, we interviewed several successful real estate professionals who each had their own unique approach to winning business. Aaron Amuchastegui also offered advice for agents who are struggling as sales start to slow and gave listeners a chance to learn more about the man behind the mic in part one of “Aaron’s Story.”
Listen to today’s show and learn:
Overcoming failure with action [1:46]
Taking personal responsibility and rising up [3:17]
How to position yourself as an expert on your area [5:47]
How to express that you’re not just a real estate expert [6:24]
Building relationships that generate real estate referrals [10:05]
Ways to stay in touch with clients via social media [13:03]
A simple strategy for budgeting when times are tough [18:32]
Final thoughts: double down on yourself [21:22]
Running a property management company [22:25]
What most real estate agents get wrong about property management [26:03]
How to find off-market deals right now [29:47]
Unlock your potential by surrounding yourself with the right peers [33:06]
Why Karina loves working with real estate investors [37:28]
Advice for real estate agents who don’t invest in real estate [39:27]
What builders are doing instead of reducing prices [40:22]
How to build relationships with builders [41:50]
The mistake that changed Aaron’s life: robbing a bank [46:15]
Aaron’s time in federal prison and how it changed him [48:57]
Overcoming and learning from extreme failure [52:27]
Thank You Rockstars!
It might go without saying, but I’m going to say it anyway: We really value listeners like you. We’re constantly working to improve the show, so why not leave us a review? If you love the content and can’t stand the thought of missing the nuggets our Rockstar guests share every week, please subscribe; it’ll get you instant access to our latest episodes and is the best way to support your favorite real estate podcast. Have questions? Suggestions? Want to say hi? Shoot me a message via Twitter, Instagram, Facebook, or Email.
As any entrepreneur can relate, starting a small business is stressful.
There’s so many different things that go into it from securing a loan, getting financing, hiring staff.
Running a small business can be very cumbersome and overwhelming. It’s no surprise that many small businesses fail in their first five years of opening their doors.
Another challenge the small business owner may face, especially if they’re trying to secure a loan for their business, is getting life insurance.
We’ve taken several calls here at our office from business owners that are in the loan process, and they’ve been dropped a bomb. They have to get life insurance coverage for the amount that the loan that they’re trying to obtain, and until they can actually get coverage, the bank will not approve the loan. Therein lies the predicament.
Traditional underwriting, although much less expensive, can take anywhere from four to six weeks, and sometimes longer, to get your decision. If you don’t have the time to apply for a cheap term policy, then you’re going to have to look at a simplified issue.
Fast Life Insurance to Secure a Loan
Simplified issue are policies that don’t require a medical exam, and as long as you can pass some basic health questions and then nothing comes up on your motor vehicle report, your MIB, or any of your doctor records, then you can get approved from anywhere from 48 hours to five to seven business days.
Carriers such as Fidelity Life, Assurity, and Americo are three of the top carriers that offer simplified life insurance policies, and once again these simplified issue policies require no medical exam. The only issue that may come up depends on the size of policy.
For example, Assurity will only offer you up to $350,000 of term coverage on a no medical exam policy, so if you need more than that, then you’re going to have to use more than one carrier to get you the full life insurance coverage that you need. Assuirty is just one example of a life insurance company, but the majority of companies all offer plans with relatively low values.
The other disadvantage to these simplified issue plans is the price. Because they don’t require a medical exam, there is more risk to the company, which means they have to offset their risk by charging you more every month. If your main goal is to get coverage quick, and money isn’t an issue, then these plans are the best option.
If you’re looking for a cheaper option and you don’t need the coverage immediately, then there are better options for your wallet. If you’re looking for the most affordable monthly rates for a life insurance policy, then a term life insurance plan will be your best bet. These plans only last for a predetermined time, normally between 5-30 years and after that, they are no longer effective and you have to reapply for coverage. They come in just about any amount that you want to purchase in coverage and tend to be much cheaper than other life insurance options.
The biggest problem with these plans is how long they take to get approved. We mentioned earlier that the main disadvantage to traditional policies is the medical underwriting and the application process that you have to go through to get approved, which can take a long time.
Collateral Assignment For Your Business Loan
Once you get approved for the life insurance coverage that you need, make sure to let the carrier know why you’re taking life insurance. The reason is, is that you’re going to want to request a collateral assignment form that makes the lender the beneficiary on the policy. Almost all insurance carriers will offer the ability to assign collateral assignment; you just have to make sure that you make them aware.
Hopefully if you have a family involved, you’re taking out a larger policy that not only covers the amount of the loan, but also it leaves something left over for your family. In that case, with the collateral assignment form, you can list the lender for the beneficiary of the loan amount, and then the remaining portion can go to your beneficiaries.
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Deciding how much life insurance you need
Obviously, you have to get a policy that is large enough to fulfill the amount of the loan, but if you don’t have any other coverage, you should get much more than that. Sit down with your loved ones and discuss all of the debt that you would leave behind.
When you’re looking for an insurance plan to secure your loan, consider getting extra coverage that would pay off any personal debt as well. Things like mortgages, car payments, credit card bills, and more can be extremely difficult for a grieving family to pay for.
Before you can buy a plan, you have to know the right amount of coverage. It’s delicate balance deciding how much to buy.
Getting the Best Rates
If you’re looking to get a life insurance policy to secure a loan, it’s important that you get the best rates possible for your coverage. Sure, the main purpose is to secure the loan, but it also provides security for you and your family if something awful was to happen.
Before you buy life insurance, get several quotes from different companies before you pick the best one. You’ll get different premiums from every company you contact.
If you wanted to get all of those quotes yourself, you could easily spend days on the phone talking to agents. Your time is valuable, don’t waste it comparing rates and answering the same question with dozens of agents. We can help you get the best quotes from the highest rated companies around.
The best piece of advice we can give you when getting a life insurance policy to secure a loan is to plan ahead and have all of the information you need ready. If you plan ahead well enough, you will give yourself enough time to apply for a traditional policy that can save you money every month. There is nothing wrong with a simplified issue policy, but it’s going to come with a price. As a business owner and entrepreneur, it’s vital to get the best products at an affordable price.
People will always have preferences and something to say about celebrities. What you might love may not be the same for others. Whether it’s about their past behaviors, legal issues, or feuds with other celebrities, here is a list of celebrities people on Reddit just cannot stand.
Do you have some celebs on your list too? Maybe they’re here!
1. Ezra Miller
Miller is known for playing the Flash and has been in the headlines for his past behavior when he got into trouble with the authorities.
“My daughter was going name her second child Ezra, but we lucked out and she’s having a girl. I loved loved loved Perks of being a Wallflower, but I can’t get past him now as Patrick.” Another one shared emphasizing Miller’s role as the Flash “makes me sick that a person who’s done those terrible things could be portraying a superhero.”
2. Chris Brown
Who wouldn’t forget about what Chris Brown did to Rihanna in 2009? While it’s already been 14 years, some people don’t forget, especially RiRi’s fans. “Literally I don’t even know how his career wasn’t 100% destroyed after what he did to Rihanna,” one user stated. Another added, “I think she publicly stated she forgave him and still loved him and some people took that as a pass to forget”
3. Jake Paul and Logan Paul brothers
The Logan brothers have always been in the spotlight, and with it comes controversy. One Reddit user said, emphasizing Logan Paul’s WWE career, “It seems you haven’t realized yet, Logan only fights people older/past their prime (or even medium best)/out of shape/lighter weight, and even then they’re told not to win if they want the big payout.”
Another one replied, “And still made millions, the Paul brothers figured out how to market disdain.” The third commenter also added, “Over Xmas some obnoxious guy sat next to me on the airport tram. Singing out loud and giving off major bad energy. Then I hear a teenage girl say ‘omg are you Logan Paul?’ It was him alright.”
4. The Jenners
When talking about celeb controversies, who would miss The Jenners?
One person said, “The Kadarshians.” While these families are not entirely different, some consider them all the same. “Them too. They are all plastic so not a big difference,” another person agreed. “I find it interesting you said Jenner’s most people I know just say Kardashians and that includes the Jenner’s as well.”
5. Bill Cosby
Bill Cosby is famous for his show in the early 80s and 90s. He is also well-known for other controversial things, such as being charged with assaulting a 16-year-old girl. “Makes me so sad to agree. I hate what he did. He was such a wholesome TV Dad, along with his comedy sketches,” one person shared. “I’m getting more and more disgusted by the people around me. The fact that Bill already has shows lined up for him in 2023 makes me sick. So many people support and love terrible people & I’m just losing faith in our general public,” another Reddit user replied and agreed.
6. Kanye West
Having Kanye West around isn’t surprising. With his recent comment about Hitler, he can get on people’s nerves. “I never thought I would watch a black man paraphrase ‘Hitler did nothing wrong’ and make Alex Jones look reasonable. And yet here we are.” Finally, one person added, “Kanye needs to get on meds BAD.”
7. Ellen DeGeneres
One Reddit user said, “I knew there was something creepy about her pretend acting happiness. She wasn’t even good at it. I never understood how people didn’t see it or feel it.” That was when, BuzzFeed reported claims of sexual harassment, racial insensitivity, and bullying in 2020. Ellen’s show also come to an end when ratings continued to drop. Another person added, “I’ve heard alot of bad stories about her. She treats people like crap alot of times including her staff.”
8. Nancy Grace
Nancy is known for her show, which talked about current events and celebrity headlines every night from 2005 to 2016. She has also been involved in a few controversies that have led people to despise her. “She farted on TV and tried to blame the guy next to her,” one Reddit user remembered. Another one replied, “Nancy Grace is scum, she exploited families left and right, families who had loved ones gone missing or killed. She interviewed a woman whose kids was abducted, Nancy dragged through the coals so bad, the woman ended up taking her life after she did that interview.”
9. Machine Gun Kelly
Colson Baker or Machine Gun Kelly don’t also escape from controversies. One Reddit user said,
“He got dissed so bad by em he had to switch genres.”
“He switched, then he decided dissing Slipknot was a good idea,” said another.
10. Andrew Tate
Andrew Tate’s controversy has been making headlines recently following his arrest. He is accused of many things—human trafficking, misogynistic remarks, and bad behavior. “i hate andrew tate as much as most sane people but it is still innocent till proven guilty,” said one person. “You know he confessed to doing everything he’s been arrested for, right? Like it was right on his website. In his own words,” another one replied.
Source: Reddit.
Who is one actress you can never stand watching, no matter their role? After polling the internet, these were the top-voted actresses that people couldn’t stand watching.
10 Actresses People Despise Watching Regardless of Their Role
These 7 Celebrities are Genuinely Good People
We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble?
These 7 Celebrities are Genuinely Good People
Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.
These 10 Activities Are an Immediate Red Flag
Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.
10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth
We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.
These 10 Terrible Movies Are Still People’s Favorites
A killer lighting situation can complete the look of a space—it’s like the cherry on top of a sundae…the icing on the cake…the cheese on the pizza? Alas, we digress. What we’re trying to get at is that a good light can define a space and serve to add a little bit more dimension to the feel of a room. Not to mention, extra mood lighting is always welcomed, especially when it comes to enhancing the Instagramability of our meals #priorities.
If you’re looking for something more dramatic than a basic ceiling light, but less showy than a chandelier, pendant lights are the way to go. The great thing about them is that they’re super versatile—you can hang them over a elegant dining table or use them to create a cozy reading nook. In our favorite metallic hue these guys offer just the right amount of interest for any decor situation!
It’s hard to go wrong with these pretty pendants—you can go singular and bold or hang multiple smaller options to create the lighting that best fits your needs. Often times, you just need that one glitzy piece to add that touch of glam to a space. We’ve scoured the web and created our own collection of gold pendant light faves!
We love the perforated look of #4. We’ll take two to hang over a long dining table, please! Which would you choose?
Get Your Shop On:
> 1. Bronze Copper Shade Pendant > 2. Euclidean Pendant > 3. Starburst Sputnik Chandelier II > 4. Perforated Metal Industrial Pendant > 5. Workstead Brass Pendant > 6. Cell Tall Pendant Light > 7. Caviar Adjustable Pendant > 8. Magica Drum Pendant Light > 9. Factory 1-Light Pendant
image 1 via Nordic Design // 2 via Apartment 34 // 3 via Zuvier // 4 via Yellowtrace // 5 via Coco Lapine // 6 via Design Milk // 7 via New Zeland Design Blog
Over the past couple of weeks, more than a few GRS readers have complained about the site’s tone. These folks are afraid that Get Rich Slowly is turning into a column that’s only about frugality and self-denial, one that is neglecting the “rich” part of the blog’s title. These concerns came to the fore in last week’s article about remembering to appreciate what I already have.
In that discussion, ObjectiveGeek wrote:
I want the best possible life for myself and my family. Maybe that means a dream house, or maybe that means the freedom to travel any and everywhere, but maybe that means both. I’d be proud of my dream home if I had earned the means to own it. I don’t think contentment is much of a virtue — it’s more of a guise for mediocrity.
Alex offered a similar sentiment:
I sometimes cringe when I see these kinds of articles. What is so wrong with wanting 5 bedrooms you may never use? What is sooooo bad about wanting a bigger house? If you have diligently saved, and planned, and you can truly afford those nice-ities in life, why not reach for them? Why not buy them?
Here’s the thing: I agree with both ObjectiveGeek and Alex. If Get Rich Slowly has been frugality-minded lately, that’s simply an accident of scheduling. While I believe that frugality is an important part of personal finance, GRS remains dedicated to the Big Picture, to all aspects of getting rich slowly.
There’s nothing wrong with wanting more, and there’s nothing wrong with reaching for nicer things in life if you’ve diligently planned and saved. I certainly don’t mean to imply that it’s bad to choose to buy things that will make you happier. But it’s important to find the proper balance between what you want and what you can afford.
How I Spent My Money in the Past
It used to be that I bought a lot of little Stuff:
I spent hundreds of dollars a month on books and magazines.
I had a lot of recurring expenses, such as my monthly cable bill and magazine subscriptions.
I bought a lot of limited-use tech gadgets, like voice recorders and expensive digital cameras.
I bought too many clothes. When Kris and I went through my closet recently, I was saddened to see so many items still with their tags on!
There was plenty more, of course. Basically, I bought what I wanted without thinking. If a friend had a new gazingus pin or thneed, I’d be inclined to buy a new gazingus pin or thneed, too. And when my income went up, my spending always went up. This is how I succumbed to the tyranny of Stuff.
It’s this kind of spending that I encourage you to question. I’m not saying, “Stop! Don’t spend on the things that make you happy.” I’m saying, “Hold on a second. Take some time to think about the money you’re spending — make sure it aligns with your priorities and goals. Don’t just buy a bunch of Stuff.” Buy based on your goals and values, not out of habit.
How I Spend My Money Today
What do I mean by this? Let’s take a look at how I’ve spent my money over the past couple of years. Each of the things I list below were purchased consciously, with money I already had, because I knew they’d make me happy.
Here’s a gallery of my recent major purchases:
My Mini Cooper, which I coveted for years before I was able to save enough to buy it with cash. I bought a five-year-old used car, and have been very happy with it. Meanwhile, I’m slowly saving for an eventual replacement Mini.
My nice furniture, for which Kris and I saved until we could combine a coupon (yes, really) with a colossal sale. We got this stuff at 50% off regular pricing. That has to be the best coupon I’ve ever used.
My comic books. I have a monthly budget for purchasing comic books (and comic strips) in collected editions. Before I dug out of debt, my comic spending was part of the problem; now, it’s part of the solution — it’s part of what makes all these smart choices seem worth it.
My bicycle. It was a tough decision whether I could afford (and justify) $900 on a new bike last summer, but I’m glad I did. I’ve been riding this thing constantly since I returned from Alaska, and it’s helping me drop the weight. Also helping me drop weight is…
My gym. I spend a lot of money to be a part of the local Crossfit gym. But I also derive a lot of value. Since joining in April, I’ve lost fifteen pounds. By the end of the summer, I’ll be fitter (and stronger!) than I’ve been in my adult life. To me, that’s money well spent.
My travel. Most of all, I’ve been spending on travel. Kris and I hope to be able to make one big trip every two years. (Maybe every year, if we’re diligent.) This year is an exception. I used part of my book advance to go to Belize in February, and later in 2010 we’ll travel to France and Italy.
Make no mistake: I live a rich life, for which I am tremendously grateful. But this rich life is largely a result of the choices I’ve made. I worked hard to dig out of debt and get where I am today. I’m fortunate to have found work that I love and am good at, and I’m lucky to be a winner in the “lottery of birth” — and I make sacrifices on the things that don’t matter to me so that I can indulge in the things that do.
I write about thrift and frugality a lot, but it’s only because I recognize their value in helping me obtain my goals.
Important: I make certain to have a full emergency fund, and to set aside my target amounts for retirement and taxes before I spend on the fun stuff. Again, it’s about managing priorities.
Conscious Spending
“I should write a post for Get Rich Slowly,” my wife told me the other day. “I could tell your readers all about how you’re not frugal.” She meant that unlike what some of you think, I’m not into self-denial. I do buy nice things for myself.
But here’s the difference between my current spending and my former profligate ways: I can afford everything I’m buying, and when I do buy, it’s a conscious decision. I’m not financing my lifestyle on debt, and I’m not buying things just to “keep up with the Joneses” or out of habit. My spending now reflects my priorities, my goals, my values.
Because I’m spending consciously and living within my means, I’m much happier than I was before. I can’t have everything I want — no $2.3 million home for me, for example — but I can have a few of the things that seem most important.
In a follow-up comment to my post last week, objectiveGeek wrote:
Of course having money for money’s sake is nearly pointless, but having money for what it represents (value, effort, innovation, hard work, success) and for what it provides (freedom, time, safety, opportunity — essentially life!) is the noblest of goals.
I think that’s correct. We’re all striving to get rich — quickly or slowly — because of what we believe money can bring to our lives. I just think it’s important to maintain balance, to remember that money and happiness aren’t always connected, and to acknowledge that the best way to achieve your financial goals is to make active, conscious choices about where and when you spend your money.
Maybe it’s time to officially add a fifteenth tenet to the Get Rich Slowly philosophy. Namely, you can have anything you want, but you can’t have everything you want.
If you feel like you’re caught up in the hustle and bustle of everyday life, it’s natural to crave a quick escape to recharge your batteries. Whether you’re looking for a luxurious getaway or an adventurous retreat, the Middle East offers some of the world’s most captivating and awe-inspiring resorts. Here are ten of the best resorts that will make you feel like you’ve stepped into paradise.
1. Emirates Palace, Abu Dhabi
Emirates Palace is a magnificent resort in Abu Dhabi that is perfect for both business and leisure. The resort has hosted numerous international events, conferences, and exhibitions, attracting the world’s most influential figures. With its opulent decor, lavish suites, and world-class spas, Emirates Palace offers a luxurious and indulgent experience.
A Spa Getaway
If you’re looking for a getaway that combines luxury, comfort, and relaxation, this spectacular resort is the perfect destination to unwind, recharge and indulge in sheer indulgence.
2. Burj Al Arab, Dubai
Experience the awe-inspiring Burj Al Arab, a symbol of power, modernity, and beauty. Voted as one of the world’s most luxurious hotels, this palatial resort offers an opulent design and impeccable service that exudes extravagance and grandeur.
Relax Like Royalty
Indulge in the extraordinary and book your stay at the Burj Al Arab for the ultimate resort experience in the Middle East. Don’t settle for the ordinary when you can bask in the lap of luxury like never before!
3. Qasr Al Sharq Waldorf Astoria, Jeddah
Indulge in a luxurious destination in Jeddah that promises nothing but the best. Relax and rejuvenate at the stunning ladies-only spa by Clarins, and savor every bite of the exquisite menus at Aromi and Mataam Al Sharq.
Stay with Sophistication
Retreat into your own private bliss at the opulent Qasr Al Sharq, designed to create an ambiance of luxury and sophistication. Whether you’re a traveler seeking a lavish getaway or a local looking for a decadent escape, this destination in Jeddah is the perfect place to indulge in a world of luxury and extravagance.
4. Shangri-la Barr Al Jissah Resort & Spa, Muscat
Escape to a resort just 15 minutes away from Oman’s capital, Muscat, and prepare to be captivated by the beautiful Sea of Oman. With three hotels to choose from, each offering exceptional services, you can relax and unwind while taking in the marvelous view.
Vacation With a View
Whether you’re seeking a luxurious escape or a romantic getaway, this resort offers a serene ambiance, breathtaking views, and exceptional services that guarantee an unforgettable experience. Pack your bags and indulge in a world of luxury and relaxation like never before!
5. Al Areen Palace and Spa, Bahrain
Experience a luxurious getaway at Al Areen Palace and Spa, the only all-villa private pool resort in the Arabian Gulf. Just 35 minutes from Bahrain International Airport and five minutes from the world-famous Bahrain International Circuit, this resort offers unparalleled service, exceptional amenities, and a prime location.
Bask in the Romance
Whether you’re looking for a romantic escape or a family vacation, you can lounge by your private pool or indulge in a rejuvenating spa treatment. With opulent details and exquisite attention to every aspect of your stay, it’s no surprise that Al Areen Palace and Spa is considered one of the best resorts in the Middle East. Book your stay now and treat yourself to a world of luxury and relaxation!
6. Bab Al Shams Resort and Spa, Dubai
Nestled in the heart of the Arabian Desert, Bab Al Shams Desert Resort & Spa in Dubai is a luxurious retreat that offers a blend of traditional Arabic architecture and modern amenities. With a range of accommodations to choose from, including private villas and suites, guests can indulge in their own private pool or relax in the spacious spa.
Dine Under the Stars
The resort also offers a variety of dining options, from casual poolside meals to romantic rooftop dinners under the stars. For those seeking adventure, Bab Al Shams Desert Resort & Spa offers exciting activities such as dune bashing, camel riding, and falconry displays. Whether you’re seeking relaxation or adventure, this luxurious desert resort is the perfect destination for an unforgettable vacation.
7. The Chedi Muscat, Oman
The Chedi is a 5-star resort in Oman that offers an unforgettable experience. Guests can immerse themselves in the local culture and explore the souqs, forts, and desert dunes. The resort is also located near the newly opened Royal Opera House in Muscat, adding a touch of sophistication to your trip.
Be a Guest on the Gulf
With 158 elegant rooms and suites, each with private balconies or terraces overlooking the gardens or Gulf of Oman, you can indulge in luxury and relaxation. The resort’s restaurants offer a range of culinary delights and the spa is the perfect place to unwind. Come and experience the unique beauty of Oman at The Chedi—a destination that truly stands out as one of the best resorts in the Middle East.
8. Six Senses Zighy Bay, Oman
Six Senses Zighy Bay is an award-winning luxury resort nestled in the secluded Zighy Bay in Oman, surrounded by majestic mountains and a pristine beach. This stunning destination offers a range of activities, from adventure sports to relaxation on the beach. With 82 villas, each with its own private pool and modern amenities, you can enjoy the ultimate luxury experience.
Enjoy a Sensual Stay
The resort also offers a variety of dining options, including international and local cuisine, and a spa that offers treatments to rejuvenate your mind, body, and soul. Whether you’re seeking a romantic getaway or a family vacation, Six Senses Zighy Bay is the perfect destination for a serene and unforgettable experience.
9. Kempinksi Hotel Ishtar Dead Sea, Jordan
This hotel is an ideal destination for those who seek adventure and wish to explore the rich history of Jordan. Located less than three hours away from Petra, one of Jordan’s most prized possessions and top tourist attractions, this hotel is perfectly situated to give visitors a chance to discover the country’s treasures.
Explore with Opulence
Other must-see attractions within close proximity include the Ancient City of Jerash, Wadi Mujib Gorge, Mount Nebo, and Wadi Rum. With so much history and knowledge waiting to be uncovered, this hotel is the perfect starting point for a journey through Jordan’s fascinating past.
10. Movenpick Hotel and Resort Al Bida’a, Kuwait
Nestled near Kuwait Airport and the largest shopping malls in the city, Movenpick Resort offers a prime location for both business and leisure travelers. The resort boasts a stunning 200-meter white sandy beachfront and a plethora of activities to make your stay unforgettable.
Unwind in Unforgettable Ways
From exploring the exciting Aqua Park to immersing yourself in Kuwait’s rich culture at the National Museum, Museum of Islamic Art, and Scientific Centre, there’s something for everyone. For the adventurous, the Liberation Tower offers breathtaking views of the city skyline. With so much to explore and experience, it’s no wonder that Movenpick Resort is considered one of the best resorts in the Middle East.
Whether you’re seeking relaxation, adventure, or both, the Middle East has something for everyone. From the opulent Emirates Palace in Abu Dhabi to the secluded Six Senses Zighy Bay in Oman, these resorts offer a perfect blend of luxury, comfort, and unparalleled service. Pack your bags, get ready to indulge in sheer luxury, and start exploring the magnificent beauty of the Middle East!
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According to the FTC, Americans have lost $610 million to “income illusions” since 2016 – and $150 million of that was in the first nine months of 2020 alone.
Predatory get-rich-quick schemes have become so audacious, so prevalent that the federal government has launched a full-scale operation targeting them: Operation Income Illusion.
So what are all the modern scams and schemes that young people should look out for? How can you spot the especially sneaky ones? What are the early warning signs of a bad online business course or a phony job listing?
And how can you convince that one relative of yours that they’re in an MLM?
Let’s cover this and more as we explore modern get-rich-quick schemes (and how to spot them).
What’s Ahead:
Common signs of a get-rich-quick scheme
Before we get into specifics, it’s worth pointing out some of the most common signs of any get-rich-quick scheme:
A promise or guarantee of income.
Payment requested upfront to cover supplies/training/application fees.
Sketchy websites or email addresses.
Zero online reviews or ratings.
Hyperbolic marketing language (achieve your dreams, become your own boss, etc.).
The perfect opportunity somehow found you (instead of the other way around).
A request for sensitive info: credit card info, SSN, or a photo of your passport/ID.
They give you a bad gut feeling. When you have a bad gut feeling about a person in real life, you walk away. Do the same online.
1. Cryptocurrency
Ah, crypto.
Perhaps no other investment in history has produced as much FOMO as Bitcoin. After all, everybody knows of somebody who got rich off of it, or alternatively, some rare altcoin (read: any crypto that isn’t Bitcoin) that exploded overnight.
It would be an overreach to call cryptocurrency a scam, but it’s certainly not the investor gravy train it’s made out to be.
Read more: The Top 10 Things You Need To Know About Bitcoin
What they promise
A $10,000 investment in Bitcoin in 2017 became $640,000 just four years later. Invest your money and buckle up, because you’re about to get rich.
Or, alternatively, keep your eyes on the crypto forums. If you get in on the ground floor of a new crypto before it explodes, that’s another easy way to 100x your investment overnight.
What really happens
A $10,000 investment in Bitcoin in November, 2021 would be worth $6,175.36 in February 2022.
Cryptocurrency values are 100% speculation, upheld by investor demand alone. There’s simply no guarantee (or even near-guarantee) that your investment will grow in value in the short- or long-term.
That’s especially true of new or obscure “altcoins” that trade for pennies a pop. Sure, a small percentage of them may blow up – but many more are simply scams or pump-and-dump schemes – and it’s extremely difficult to detect which is which.
Read more: From High Risk To High Cost: Why You Shouldn’t Buy Bitcoin
How to spot a crypto scam
Any crypto that promises to multiply in value is a scam. Again, the only thing propping up crypto values is investor interest, which is fickle, fleeting, and unpredictable.
Bitcoin, Ethereum, and other bonafide cryptos aren’t scams, but they’re ultra-risky investments nonetheless. For more on why, check out Crypto Crash Course – Everything You Need To Know About Bitcoin, Blockchain, And More.
2. Multi-level marketing schemes
MLMs are notorious for using psychology and manipulation to lure unsuspecting income-seekers into their midst. Then, they squeeze capital out of them on the dangling promise of eventually multiplying their returns.
Now that John Oliver and others have shone a light on the industry, the MLMs have had to get even sneakier.
What they promise
Join [Herbalife, Amway, Infinitus] and you’ll become your own boss, get free training, and earn six figures in your first year!
Who doesn’t want to become their own CEO for a small initial investment of just $150, especially when you can make 1000x within 10 months!
What really happens
99% of MLM participants lose money, according to the Consumer Awareness Institute. Anyone appearing like they’re making money from an MLM on social media is simply trying to dupe others into distributing for them.
How to spot an MLM scheme
If you’re wondering whether the sales opportunity you’re considering is part of an MLM, or you’re trying to convince someone that they’re in an MLM, here are a few steps that you can take:
See if it’s already a known MLM. TitleMax (of all places) published a helpful list of the top 25 MLMs by revenue. If your future “employer” is on the list, take a hard pass.
Search for complaints about the company. Reddit, The Better Business Bureau, and your state Attorney General’s office website are all helpful places to find consumer ratings, reviews, and official complaints.
Vet the products. MLMs tend to sell sketchy products with dubious or unsubstantiated research proving their efficacy. If you wouldn’t buy the product, you definitely shouldn’t sell it.
ID the “startup fee”. If a company has a flat fee for upfront training or especially your first round of inventory, it’s most likely an MLM.
Get a second opinion. Ask the company to provide all of its contracts and legal documents, and have a friend, mentor, or your attorney look over everything with a skeptical eye. Don’t try to convince them it’s legit; ask them to convince you that it’s an MLM.
3. The lottery
There’s no more open and honest get-rich-quick scheme than the lottery!
Playing the lotto in tiny doses can be fun when you expect to lose. My better half and I buy a ticket or two per year and fantasize about how we’ll fill our 20-car garage.
Then we lose and laugh.
But playing the lottery with even the faintest expectation that your investment will eventually pay off is a slippery slope – both financially and psychologically.
Read more: Why You Should Never Play The Lottery – And How To Better Spend Your Money
What they promise
Whether it’s $10,000 or $10,000,000, you’re just a scratch away from winning life-changing money.
What really happens
It’s better to gamble your money in Vegas than to play the lottery.
I say that because generally speaking, you have a 5% to 30% chance of beating the house in a Vegas casino (WSJ). Your chances of winning the lottery are 1 in 300 million (CNBC).
But what about a non-jackpot? Can you profit from buying scratch-offs?
“Scratchies” typically list their odds of winning on the back of a card, usually between 5% and 20%. Your chances of winning something are better – but your chances of profiting are still extremely low.
Lotteries are also inherently problematic and controversial. Supporters say they benefit society by generating tax revenue – but it’s worth considering where that revenue is originating.
A mass study on the lottery’s net impact on society found that “the percentage of income spent on the lottery is significantly higher for players with low family incomes and low education,” hence the lottery’s ignominious nickname: “a tax on the poor.”
While it may be more transparent, make no mistake – the lottery is just as bad of a get-rich-quick scheme as an MLM (just with much worse odds).
4. Phony job listings
This one’s more of a straight-up scam than a scheme – and even as far as scams go, it’s pretty nefarious. FBI Special Agent, Jeanette Harper writes:
“Fake Job Scams have existed for a long time but technology has made this scam easier and more lucrative.”
What they promise
A supposed rep from a legit-looking company – or even one pretending to be from a company you’ve heard of – will reach out and say they’re hiring for a high-salary role.
They either say “no experience necessary” or that you’d be perfect for it, and since they want to fill the role right away, they’ll just do the interview via a chat window.
Before your start date for your high-salary role, they’ll need to add you to payroll and benefits – so you’ll need to pass along your W-9, 1099, and/or a scan of your ID.
What really happens
The scammer uses this sensitive information to steal your money and/or identity.
How to spot a phony job listing
Fake job opportunities are pretty insidious, but at least they’re pretty easy to spot. Here are some of the telltale signs:
The job listing appeared on social media (nearly all legit companies recruit via job boards, LinkedIn, or by referral only).
The rep’s email address doesn’t match the company name.
The company has no website/social media/LinkedIn presence (or a sketchy one).
The rep won’t reveal themselves – they won’t share their own personal data nor will they get on a video call with you – they insist on communicating via chat.
Everything they’re telling you seems oddly vague.
The interview process is moving oddly quickly – you’re accepted in minutes or hours, when the real-world process takes days or weeks.
The rep wants money – such as a $25 fee to submit your application.
5. COVID-era robocall scams
At the risk of sounding indelicate, the COVID-19 pandemic has created a target-rich environment for robocallers who peddle MLMs, phony jobs, or shady website building services.
To give an example, the FTC is going after scam company National Web Design for sending out millions of illegal robocalls specifically targeting people who’d just lost their jobs, guaranteeing them passive income if they just paid a little upfront.
I try not to use the term evil lightly…
What they promise
Here’s what National Web Design told its victims: you could earn up to $400 a day as an Amazon affiliate. Just let us build your site for $2,000 and your passive income awaits.
What really happens
The scammers may actually deliver a product, but it never works as advertised. You’re out $2,000 and they never pick up the phone.
How to spot a robocall scam
If someone calls you offering a job or passive income opportunity, it’s a scam. But don’t just hang up – report their call as spam on your phone and report the company to the FTC using this form.
BONUS: how to prevent robocalls in the first place
You can help stem the flow of robocalls to your own phone by adding your number to the official Do Not Call Registry. Don’t worry, it’s free and 100% legit.
The second thing you can do is to never, ever, ever give your phone to a business unless it’s essential to your wellbeing. Even companies that claim to “protect your privacy” will still sell your data to their partners (since it’s not a violation of their own privacy policy).
6. Bad online business courses
Here’s one that I fell for.
To my credit, it wasn’t named so blatantly – and I can tell that the instructor was being sincere in his advice – but it was still bad advice that I paid an embarrassing amount of money for.
Bad online courses always seem like good investments upfront. They’re taught by people who’ve “made it” in the industry and who promise to tell you all of their “best money-making secrets.”
They’re also sold to you at a weirdly high discount (e.g. 97% off) and sometimes, you even have to apply to be in the course.
But crappy online courses aren’t just dangerous due to high cost and missed expectations – they can teach you the wrong things that actually hinder your progress and take months to unlearn.
What they promise
Sellers of “How To Get Rich In XYZ Industry” courses promise exactly that – that you can make millions in a certain industry by simply following in the instructor’s footsteps.
What really happens
The advice you learn in an unaccredited online course can range from good to bad to downright toxic. And if you’re new to an industry, it can be hard to distinguish which is which.
You could be paying for advice that could win new clients – or immediately turn them off.
That’s why you’ll want to be extremely careful who you learn from. Some instructors truly are at the top of their industry and their tips are worth their weight in gold.
But others are on their way out – their way of doing things in their industry no longer works, so they’re packaging and selling bad and outdated advice to make up for lost income.
How to spot a bad online course
Part of the challenge to spotting bad online business courses is that they’re often marketed exceedingly well – so well, in fact, that if it’s a course in How To Make Millions Selling Bad Online Courses, maybe it’s worth it!
Facetiousness aside, here are some of the signs that the course you’re considering isn’t worth it:
The instructor has limited, outdated, or vague experience – e.g. they’ve “worked with dozens of Fortune 500 companies” but won’t say who, in what capacity, or how much they actually earned.
The course promises or downright guarantees income. No course can guarantee income, so that’s a huge red flag.
High-pressure sales tactics. If the vendor of an online business course gives you a short time window to decide, or says the price will increase in 13 hours, just shrug and hang up the phone.
No reviews or ratings. If the instructor can’t point to a single successful past student, that’s probably a sign that one doesn’t exist – and you won’t be the first.
A high price tag. Finally, if a 3-day “Mastermind” costs thousands of dollars, that could be a sign that the instructor values his or her advice. It could also mean that they need the money because their clients dried up.
7. Mystery shopper scams
Mystery shopping is when a restaurant, retailer, or third-party data company will hire you to go into a store or restaurant and report back on your experience. Mystery shoppers are often paid a flat fee per assignment, and sometimes even get the product/meal reimbursed, too.
From what I’ve heard, it’s a fun gig if you can get it. But since lots of folks are interested, the scammers are taking advantage.
What they promise
Mystery shopping scams often start with a text stating that you can earn $200 to $500 per assignment by becoming a secret/mystery shopper or “filling out a survey.”
All you have to do is visit a retail store, purchase a product or a gift card, send it to a specific address, and report on your experience. You’ll be compensated upon completion. Easy $500.
This may sound like an obvious scam, but in the victims’ defense, this isn’t too far removed from how legit mystery shopping works.
What really happens
In the case of the scam, you send the product or gift card and are never compensated. To rub salt on the wound, the scammer may sell or abuse the personal data you gave them.
How to spot a mystery shopping scam
Luckily, the Mystery Shopping Professional Association (MSPA) publishes a running list of all the mystery shopping scams they’ve seen.
If you don’t see the potential scam listed there, cross-reference it with their free online directory of legitimate mystery shopping companies.
Summary
To a pandemic-stricken society, get-rich-quick schemes are becoming harder to spot and more seductive all at once.
But by helping yourself and your loved ones avoid them, you can protect your money and ride out the storm.