In my last post, I discussed the first of a couple of principles that will aid you in the process of becoming rich. The second is like it, and is best described in Heinlein's book, The Moon Is A Harsh Mistress. The principle is known as "TANSTAAFL", said as one oddly-pronounced word. It is an acronym that stands for "There Ain't No Such Thing As A Free Lunch."
What does this mean for the person who is becoming rich? Simply this: Aside from a very few insanely lucky people, it will not happen quickly, and it will not happen without effort. Get-quick-rich schemes either depend on such vanishing statistical chance that they cannot in any way be depended upon, or require of you a price that you may not realize that you are about to pay.
I was tempted by offers of a $1,000 or even $2,000 shopping spree at a national electronics chain. All I had to do was to sign up for a certain number of free or almost-free offers. It was easy money, wasn't it? Not necessarily. I knew from the experiences of others that you would have to remember, personally, to cancel the various offers before you had anywhere from nine to fifteen companies charging you $10-20/month for their services. Actually getting these offers canceled is often a real pain, because many of these companies are less than scrupulous. They will take up your time trying to convince you to stay, and then mysteriously lose your cancellation paperwork to get everything out of you that they can. These offers also often involve you signing away the right for them to sell your information to other companies. One of these shopping sprees can result in a huge overflow of junk mail for years to come.
In other words, the price for the offer was my privacy, along with a great deal of time and energy that in retrospect would be more burdensome than simply finding a job that paid $20/hr and working full-time for about a week and a half. TANSTAAFL.
I have a third principle, and liberals will not want to believe this one, because it undercuts their preferred form of aid to the poor. The principle is this: Spend the money that you earned. Earn the money that you spend. This will aid you greatly in becoming rich.
When people do manage to 'hit the jackpot' and become rich quick, it is almost always temporary. Give them a few weeks to a few years, depending on the dollar amount, and they will be just as poor as before. I have heard it said that if wealth was collected and distributed utterly equally, both property and money, within a generation all the wealth would be back where it was. Why is this?
Human beings value things based on the cost to acquire them. When your riches come to you by your own efforts, you are more likely to be careful with them. If you spent five hours digging ditches to get your check, you are less likely to toss it away on frivolities. Money in and of itself has no value. It's cotton and linen and dyes. The number stamped on it is more or less an arbitrary marking. The reason why it has value to you is because it represents those hours of sweat and aches, and it can be exchanged for a good meal and soft, safe place to sleep.
When people receive money through no effort of their own, through winning a huge prize or being handed it readily by faceless government officials, the money does not represent their hard work. It does not represent hours spent out in the sun, or days of frustrating problem-solving. It has little or no value, and the riches they purchase also mean little to them. What if your television breaks? Buy another! Break it out of pique and buy another! It cost you no effort. It cost you no pain, no determination, no struggle.
Now there are exceptions. Some people who win the lottery do manage their money wisely. Some people who receive aid do invest and use it wisely. By the great majority, however, you should not wish for instant riches if you want to become rich. You should wish instead for the slow and steady path, for the accumulation over years, for the knowledge that every time you are knocked down, you can get back up and start again on the path to becoming rich. Becoming rich, like aging fine wine, is more about the process than the result.
My own family is following this path.We have had downturns and upturns, but over all we are on a slow but steady path to the Middle Class. We take care of the things we own, because they cost us dearly in time and effort to accumulate. We save when we can, spend when we must, and reduce where we can. I used to think that it would be wonderful to win the lottery or suddenly have our mortgage debt randomly forgiven. Now I am beginning to see that such 'blessings' may turn out to be a curse. When we have won our way, we will do so by our own efforts, with our own skills, and our wealth will mean something to us.
May it be for everyone. Then everyone can become truly rich.
Showing posts with label working. Show all posts
Showing posts with label working. Show all posts
Friday, January 28, 2011
Wednesday, January 26, 2011
Becoming Rich
Thomas Sowell has an excellent article up today about rich people and how they got that way. This is not going to be the exact topic of my post today, but it's worth a read.
I learned a lot from my uncle, my mother's sister's husband. Though he is not related to me by blood, he might as well be. One of the few solidly INTJ people in the world, like me, he was able to help me understand how people like me can move through the world without breaking us... or it. One of the most important things he taught me was how to become rich.
Now, I chose my words very carefully. "Becoming" rich is not the same as "being" rich. The method doesn't guarantee any particular measure of wealth in any particular time. It merely ensures that you will remain on the road of improvement, and you will be better off than the way that you were.
These days, advice about life and work tends to be the kind of advice you'd expect from a very wealthy society. "Find out what makes you happy. Settle for nothing less." That is all very well and good when all businesses are booming and the world is full of friendly bosses just looking for the next CEO. Such environments, though, are historically very rare and unusual, existing only in small parts of the world for mere years or decades at a time. You can't rely on them, especially in this economy.
Of course it's a good thing to find out what makes you happy and strive towards it. Rush Limbaugh encourages his listeners to find what makes you happy and then find out how to make money doing it. He cites that as the secret to his success. It's not the only secret, though, and it is not the most important if what you want is to become rich.
Now let me explain my terms once again. People hear the phrase "become rich" and they think that you're automatically talking about turning from minimum-wage poverty to, well, Rush Limbaugh wealthy. Not everybody is going to do that. Not everybody actually wants it, no matter what they think. By the time I'm done explaining this, you'll understand why. However, if you are in dire straits, you do not have to become rich for your entire life. You only have to do it until you are closer to where you want to be.
The first principle to becoming richer is to do anything (within moral standing) that will get you paid. Nowadays there are too many young people who believe that a certain job is beneath them. They graduate with big-sounding degrees, and they've learned to believe that they should only have to work within their specialty. You can't have this mindset if you want to become richer. If you are searching for a job, you should be willing to take what comes your way. My father has worked as an electronics technician, a system designer, a laser builder... and a carpenter for a cabinet company.
My uncle has told me that he has trouble understanding why some people claim that they are just plain unable to get a job. He taught me that you can get a job as long as you're willing to do anything for pay and let enough people know about it. It may be dirty and unpleasant. You may be digging ditches, or working in a factory. Still, it will be work, and you will get paid. There will be times in your life when that will be the most important thing you can do just to keep yourself and your family going.
Now once you've got that job, you can work your way up. You can find out what you enjoy and try to make money doing it. But the first step is to simply get a job, any job that will feed you, or at least help you make ends meet. You may have to lower your expectations, especially in a poor economy. You may have to lower your standard of living for a time. If you want to survive, however, there will be times in your life when you simply have to take what you can get. That dirty, tiring job should be viewed, not as a disgrace, but as the beginning of your rise.
I learned a lot from my uncle, my mother's sister's husband. Though he is not related to me by blood, he might as well be. One of the few solidly INTJ people in the world, like me, he was able to help me understand how people like me can move through the world without breaking us... or it. One of the most important things he taught me was how to become rich.
Now, I chose my words very carefully. "Becoming" rich is not the same as "being" rich. The method doesn't guarantee any particular measure of wealth in any particular time. It merely ensures that you will remain on the road of improvement, and you will be better off than the way that you were.
These days, advice about life and work tends to be the kind of advice you'd expect from a very wealthy society. "Find out what makes you happy. Settle for nothing less." That is all very well and good when all businesses are booming and the world is full of friendly bosses just looking for the next CEO. Such environments, though, are historically very rare and unusual, existing only in small parts of the world for mere years or decades at a time. You can't rely on them, especially in this economy.
Of course it's a good thing to find out what makes you happy and strive towards it. Rush Limbaugh encourages his listeners to find what makes you happy and then find out how to make money doing it. He cites that as the secret to his success. It's not the only secret, though, and it is not the most important if what you want is to become rich.
Now let me explain my terms once again. People hear the phrase "become rich" and they think that you're automatically talking about turning from minimum-wage poverty to, well, Rush Limbaugh wealthy. Not everybody is going to do that. Not everybody actually wants it, no matter what they think. By the time I'm done explaining this, you'll understand why. However, if you are in dire straits, you do not have to become rich for your entire life. You only have to do it until you are closer to where you want to be.
The first principle to becoming richer is to do anything (within moral standing) that will get you paid. Nowadays there are too many young people who believe that a certain job is beneath them. They graduate with big-sounding degrees, and they've learned to believe that they should only have to work within their specialty. You can't have this mindset if you want to become richer. If you are searching for a job, you should be willing to take what comes your way. My father has worked as an electronics technician, a system designer, a laser builder... and a carpenter for a cabinet company.
My uncle has told me that he has trouble understanding why some people claim that they are just plain unable to get a job. He taught me that you can get a job as long as you're willing to do anything for pay and let enough people know about it. It may be dirty and unpleasant. You may be digging ditches, or working in a factory. Still, it will be work, and you will get paid. There will be times in your life when that will be the most important thing you can do just to keep yourself and your family going.
Now once you've got that job, you can work your way up. You can find out what you enjoy and try to make money doing it. But the first step is to simply get a job, any job that will feed you, or at least help you make ends meet. You may have to lower your expectations, especially in a poor economy. You may have to lower your standard of living for a time. If you want to survive, however, there will be times in your life when you simply have to take what you can get. That dirty, tiring job should be viewed, not as a disgrace, but as the beginning of your rise.
Monday, April 19, 2010
A better way than this
A cartoonist posted this in his blog a few days ago:
I generally hate 'abstract sculptures', but this one seemed to reverberate in my very soul. I spent a few years of my life at that crank (granted, not working minimum wage), trying to wring out the pennies we needed to keep the household going. Now my husband is the one who turns the crank.
Granted, not all jobs are quite this bleak. Many people are able to make their living doing something they enjoy, or, at least, something that is not consistently monotonous. My husband works as a computer programmer, a "code monkey", as he puts it. Still, most workplace jobs involve a certain level of cranking. That goes doubly for the kind of jobs in which working women often find themselves.
This is one reason why the feminist anti-homemaker viewpoint baffles me. They wish to replace a system in which the man returns home from the crank to find beauty, warmth, and stimulating conversation. They wish to end a system in which the woman spends all of her creativity, intellect, and strength in fulfilling tasks that make life for her husband so much more than 'the crank'. They want to take her from her home and children.
Their idea of utopia is the man and the women both out at their own separate cranks, grinding away while the government takes half of what trickles out and raises their children for them. The feminist dream ends each workday when whichever parent finishes at the crank first having to stop and pick up his (or her) children from daycare, then to arrive at a cold, empty house in hopes of making things a little brighter for the sake of his (or her) mate.
(Of course, this changes the house life even on weekends and holidays. I see more and more women choosing to put their children in daycare on vacation days so that they can "get a break" and have time to do the chores. I hear them complain about vacations from school, grateful when their own children return to someone else's care. You have to live with a child to know how to 'deal with' that child. You have to spend most of your hours in a child's company to get into that child's groove, so to speak, to understand which sounds of frustration denote hunger and which sounds denote sleepiness. But I am getting off the subject.)
We laugh at books and magazines written in the '50's that encourage housewives to fetch drinks for their husbands. There is even an Internet meme full of advice such as making yourself pretty when he returns home from work and not bothering him with trivialities until he has had a chance to relax. We read it and scoff about what doormats those women were back then. The next time you hear that advice, though, and the next time you are ready to laugh, I want you to go back to that picture and I want you to look at that crank.
That cartoonist's blog post continues:
You know what this is? It's a sculpture by Blake Fall-Conroy, the Minimum Wage Machine.
From the site:
The minimum wage machine allows anybody to work for minimum wage. Turning the crank will yield one penny every 5.04 seconds, for $7.15 an hour (NY state minimum wage (and Ohio state minimum wage, too--)). If the participant stops turning the crank, they stop receiving money.
I generally hate 'abstract sculptures', but this one seemed to reverberate in my very soul. I spent a few years of my life at that crank (granted, not working minimum wage), trying to wring out the pennies we needed to keep the household going. Now my husband is the one who turns the crank.
Granted, not all jobs are quite this bleak. Many people are able to make their living doing something they enjoy, or, at least, something that is not consistently monotonous. My husband works as a computer programmer, a "code monkey", as he puts it. Still, most workplace jobs involve a certain level of cranking. That goes doubly for the kind of jobs in which working women often find themselves.
This is one reason why the feminist anti-homemaker viewpoint baffles me. They wish to replace a system in which the man returns home from the crank to find beauty, warmth, and stimulating conversation. They wish to end a system in which the woman spends all of her creativity, intellect, and strength in fulfilling tasks that make life for her husband so much more than 'the crank'. They want to take her from her home and children.
Their idea of utopia is the man and the women both out at their own separate cranks, grinding away while the government takes half of what trickles out and raises their children for them. The feminist dream ends each workday when whichever parent finishes at the crank first having to stop and pick up his (or her) children from daycare, then to arrive at a cold, empty house in hopes of making things a little brighter for the sake of his (or her) mate.
(Of course, this changes the house life even on weekends and holidays. I see more and more women choosing to put their children in daycare on vacation days so that they can "get a break" and have time to do the chores. I hear them complain about vacations from school, grateful when their own children return to someone else's care. You have to live with a child to know how to 'deal with' that child. You have to spend most of your hours in a child's company to get into that child's groove, so to speak, to understand which sounds of frustration denote hunger and which sounds denote sleepiness. But I am getting off the subject.)
We laugh at books and magazines written in the '50's that encourage housewives to fetch drinks for their husbands. There is even an Internet meme full of advice such as making yourself pretty when he returns home from work and not bothering him with trivialities until he has had a chance to relax. We read it and scoff about what doormats those women were back then. The next time you hear that advice, though, and the next time you are ready to laugh, I want you to go back to that picture and I want you to look at that crank.
That cartoonist's blog post continues:
Ladies, your husband has spent his entire day at that crank. If you are a full-time homemaker, or even if you are a part-time worker, he has spent his day at that crank for you and for your children. He will spend tomorrow at that crank. He will work that crank until he is elderly, and he's doing it for his family. If he is like my husband, he may complain about his work, but he never complains about the fact that he will be winding away at that or another similar crank for most of his life. That 50's meme that so many women find ridiculous, the easy chair and the glass of his favorite beverage, the effort you take to look pretty and provide him with a hot supper... that is the least we can do in return.
Picture that. Picture standing there for four hours, six hours, eight hours a day, turning that crank to squeeze out one penny at a time till you have enough to pay the rent, put gas in the car, keep the water, electric, wash the clothes, feed the kid, pay your taxes.... Your day revolves around being there to turn that crank. Your life revolves around turning that crank. Your precious limited time on this dear sweet earth is eaten away by that crank.
Tuesday, September 15, 2009
Short thought on labor unions and feminism
As the modern woman tries to "have it all" and ends up with nothing, people are beginning to realize more and more the importance of "mother-friendly" work. The truth is, no matter how much feminists try to push women into high-profile careers, the majority of women continue to want their own children.
The feminists use the phrase "barefoot, pregnant, and in the kitchen," though it has greatly outlived its usefulness. The woman shrieking it in fury still thinks that it refers to a woman who is unable to go anywhere, using up her life in making her husband pleased while toiling endlessly over a hot stove. The average woman in touch with the real world pictures an idyllic moment of relaxation, connecting with the unborn dancing within while feasting upon a much-craved bowl of fresh-picked strawberries and cream, as opposed to trying to force her attention on company business as her pregnant body's feet swell uncomfortably inside rigid formal shoes and the only strawberries in sight are either freeze-dried or cost $5 for a small bowlful in the cafeteria.
The truth is that though women want children and are told that they should desire a career, the majority of actual work available for them is not child-friendly. The boss worries over how this little nuisance will impact the department's performance, while the woman looks forward to using a mechanical pump in the bathroom with a picture of her baby, who is in the care of some other woman being paid half of the mother's earnings. Working mothers have it tough. I should know... I was one out of necessity for a while, and as working mothers go, I had it easy.
How can we deal with this situation? Currently, a variety of possible solutions involve more and more regulation... rules that you can't fire a pregnant woman for being pregnant, rules that she must be given a certain amount of time in which her job is held open but empty, rules that she must be able to use "flex time" to be there when her children get off the bus, even if it means that she spends a cold and lonely Saturday making up her time.
I have a different suggestion.
Remove a few layers of regulation instead of adding more.
Why do so many women work full-time when so many want to work part-time? Part-time is getting harder and harder for employers to manage. A few years ago, I worked as a "casual employee" as a computer programmer. I was paid a set amount per hour, and that was it. No benefits. No holidays. No sick time. No vacation time. No health insurance. No retirement fund. Nothing but a simple wage for hours worked.
That situation is very, very difficult to find nowadays, thanks to a mixture of labor unions and employment law. Generally, hiring someone involves paying a salary plus significantly more for all the associated benefits. Places that seek to minimize their costs by hiring multiple part-timers without benefits are vilified, and they are becoming rare.
However, this is the perfect situation for the working mother. In most cases, her husband is working full-time and providing the family with everything from retirement coverage to medical insurance coverage. She doesn't need paid holidays. She doesn't need stock in the company. She just needs to put in a few hours when she can, to help fill in the gaps in the family budget.
I can see the justification of benefits in full-time jobs, which are usually worked by a wage-earner looking to provide for his family. Nowadays, a hefty percentage of the workforce are 'supplementary earners', and they should not be treated the same way.
The feminists use the phrase "barefoot, pregnant, and in the kitchen," though it has greatly outlived its usefulness. The woman shrieking it in fury still thinks that it refers to a woman who is unable to go anywhere, using up her life in making her husband pleased while toiling endlessly over a hot stove. The average woman in touch with the real world pictures an idyllic moment of relaxation, connecting with the unborn dancing within while feasting upon a much-craved bowl of fresh-picked strawberries and cream, as opposed to trying to force her attention on company business as her pregnant body's feet swell uncomfortably inside rigid formal shoes and the only strawberries in sight are either freeze-dried or cost $5 for a small bowlful in the cafeteria.
The truth is that though women want children and are told that they should desire a career, the majority of actual work available for them is not child-friendly. The boss worries over how this little nuisance will impact the department's performance, while the woman looks forward to using a mechanical pump in the bathroom with a picture of her baby, who is in the care of some other woman being paid half of the mother's earnings. Working mothers have it tough. I should know... I was one out of necessity for a while, and as working mothers go, I had it easy.
How can we deal with this situation? Currently, a variety of possible solutions involve more and more regulation... rules that you can't fire a pregnant woman for being pregnant, rules that she must be given a certain amount of time in which her job is held open but empty, rules that she must be able to use "flex time" to be there when her children get off the bus, even if it means that she spends a cold and lonely Saturday making up her time.
I have a different suggestion.
Remove a few layers of regulation instead of adding more.
Why do so many women work full-time when so many want to work part-time? Part-time is getting harder and harder for employers to manage. A few years ago, I worked as a "casual employee" as a computer programmer. I was paid a set amount per hour, and that was it. No benefits. No holidays. No sick time. No vacation time. No health insurance. No retirement fund. Nothing but a simple wage for hours worked.
That situation is very, very difficult to find nowadays, thanks to a mixture of labor unions and employment law. Generally, hiring someone involves paying a salary plus significantly more for all the associated benefits. Places that seek to minimize their costs by hiring multiple part-timers without benefits are vilified, and they are becoming rare.
However, this is the perfect situation for the working mother. In most cases, her husband is working full-time and providing the family with everything from retirement coverage to medical insurance coverage. She doesn't need paid holidays. She doesn't need stock in the company. She just needs to put in a few hours when she can, to help fill in the gaps in the family budget.
I can see the justification of benefits in full-time jobs, which are usually worked by a wage-earner looking to provide for his family. Nowadays, a hefty percentage of the workforce are 'supplementary earners', and they should not be treated the same way.
Monday, August 27, 2007
Starting again
The nice thing about being a homemaker is that if you've been slipping on the job lately, you can always declare a start point and renew your efforts.
The cold is beginning to recede. I'm out of the nasal-congestion stage and into the coughing stage. My energy has perked up a little, and I'll be able to get some real cleaning done. It's the benefit of an increasingly organized house that the 'damage' isn't too bad. I'll be able to make actual progress in cleaning pretty quickly. I also have a lot of organizational things to do.
Our favorite of the local agricultural fairs is happening this coming weekend. I need to budget the money we can spend there. It's a rare 'splurge time' for us, in which we bring a certain amount of carefully-budgeted money and then just spend like maniacs until it's gone. Well, my way of spending like a maniac is to find the things I like best, figure out how I can afford as many of my favorites of them as possible, and then buying. I buy things like jewelry, scarves, india dresses, sheepskin slippers, specially-colored wax candles, and similar with my allowed money. I'll also get ride tickets and 'german fries' and perhaps a bag of tiny fresh donuts. My husband is not overly enthused about all these little fair things and has the habit of spending his share of the money on me. I think that's really sweet and he's an awesome guy!
The woman exalted in Proverbs 31 is known for some of her work in the marketplace, and I will not be much different this fall. I've been offered an adjunct teaching position at the community college, a single three-credit course. I've taken it, and I start this Saturday. Attitudes differ about homemakers working part-time. I think each family will have it's own profile that will change as the family changes. My mother did not work at all when she had four children all in school age (except when she had to that one time, but that's a whole story in itself!). But now, with one in highschool and one in elementary school, she works part-time at the local post office. With one child starting homeschooling this fall, I've decided that a part-time job that requires me to be gone Saturday mornings, with the rest of the work done at home, is by no means overly intrusive.
The cold is beginning to recede. I'm out of the nasal-congestion stage and into the coughing stage. My energy has perked up a little, and I'll be able to get some real cleaning done. It's the benefit of an increasingly organized house that the 'damage' isn't too bad. I'll be able to make actual progress in cleaning pretty quickly. I also have a lot of organizational things to do.
Our favorite of the local agricultural fairs is happening this coming weekend. I need to budget the money we can spend there. It's a rare 'splurge time' for us, in which we bring a certain amount of carefully-budgeted money and then just spend like maniacs until it's gone. Well, my way of spending like a maniac is to find the things I like best, figure out how I can afford as many of my favorites of them as possible, and then buying. I buy things like jewelry, scarves, india dresses, sheepskin slippers, specially-colored wax candles, and similar with my allowed money. I'll also get ride tickets and 'german fries' and perhaps a bag of tiny fresh donuts. My husband is not overly enthused about all these little fair things and has the habit of spending his share of the money on me. I think that's really sweet and he's an awesome guy!
The woman exalted in Proverbs 31 is known for some of her work in the marketplace, and I will not be much different this fall. I've been offered an adjunct teaching position at the community college, a single three-credit course. I've taken it, and I start this Saturday. Attitudes differ about homemakers working part-time. I think each family will have it's own profile that will change as the family changes. My mother did not work at all when she had four children all in school age (except when she had to that one time, but that's a whole story in itself!). But now, with one in highschool and one in elementary school, she works part-time at the local post office. With one child starting homeschooling this fall, I've decided that a part-time job that requires me to be gone Saturday mornings, with the rest of the work done at home, is by no means overly intrusive.
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