Credit Cards

So after watching a ludicrous but somewhat thought-provoking video from Jake Paul, I thought I would elaborate on his idea. He says that formal school sucks, and that kids need a better education on real life “stuff”. That is the short version, however, he nor any of his “peers” are qualified to educate his millions of followers. One of the things he discusses (sort of as he throws money from a balcony) is the concept of credit. Which is ironic, since he so young it is unlikely he secured any on his own merit. Do people need an education in credit management/debt management? Absolutely. Do they need a full semester in learning all about how to borrow money and pay it back on time? No. I think maybe a mini-workshop within a conference for young new small business owners would maybe be a better venue.

*

In this day and age, it is not so easy for a young person to get a credit card, store credit card, or a charge card. From what I gather from small business owners it is also not very easy for them either. So a class in credit, how to get it, how to keep it, what is the credit score and why you need to pay attention to it. What the heck is a credit inquiry? Who are the players and how do you win in the losing game of interest rates? Damn, all those things could make for a really good book, seminar, or Youtube video.

*

Because of Covid19, no one is going to go to any seminar, workshop anytime soon.  So for the sake of today’s lesson, I will pretend that you are my 18 year old nephew who just graduated from high school and knows absolutely nothing about credit. Cool? First off, let me ask you some questions. Why do you want credit? Answer: I don’t have the amount of money required to purchase ______ and due to my current financial situation ($ ____ per month/week/hour) I can afford to allocate ____% of that toward my goal of ______. This “should” be the main answer when asked why they want to borrow the money they don’t have. Other reasons, which come up are things like renting a car, hotel room, buying a plane ticket, or maybe it is simply earning rewards points or getting things like extended warranty. All these things come up and are credit card/bank based.
*
In order for an entity like a bank to loan you money, you have to prove that you are going to pay it back, on time – every month, until it is paid off in full, plus interest, the additional money the bank is making by loaning the money to you. There has to be something in it for them. How they determine if you are a risk is based on you payment history. We call this a credit score, a complicated report of numbers, accounts, dates, and historical record of YOU paying back an entity. Understanding how this report/credit number is generated is not what this article is about — you can go read about it from another expert. But in a nutshell, you as a consumer, need to pay back any money you borrow on time, every month. That’s it. You would think that was pretty simple, but guess what? Life happens, and some bills don’t get paid on time because there isn’t enough money. We call that being overextended, and that is a reason why banks want to know what your discretionary income is each month.

*

A long, LONG time ago, credit card companies all charged an annual fee, just for the privilege of having/using the card. I think my first Chase Manhattan Bank card, billed me $19 a year! Credit cards today are mostly free, and if you get one from your local bank or credit union, there should be no fee. Prestige cards, such as the American Express charge card (green, gold, platinum) offer premium benefits and as such, charge fees to cover those benefits.
*
So how did I get my first credit card, you might ask? Well, back in the 80’s I wanted a credit card and my mom understood the power of credit said okay. I was only 15 and at that time you had to be at least 18 to apply for any type of credit. Mom knew that one day I would want to buy a car and I would need to finance it, so starting a credit file of my own was going to be monumental. So mom “co-signed” a department store card, Herbergers, which went out of business prior to the coronavirus pandemic. What this actually means, is that my mom told Herbergers that if I failed to make a payment, that she would be responsible, and if she didn’t it would be bad for her credit report. The account was approved and they gave me a $5,000 credit line, which was all based on my mom’s credit file. THAT was not going to happen, as mom could easily see me going crazy and she called the bank and lowered the credit limit to $100. Yes, seriously. Why? Well, if I maxed out $100, she knew my hourly paycheck job, at $3.35 per hour would cover it. Very smart lady. NEVER give a minor a big credit line. Why? It is super easy to max out a grand, or two, and then not even have enough to make the minimum payment.
Eventually my credit limit got raised due to my excellent payment history. After doing this for almost 2 years, it was enough for me to get a car loan on my own merit. It usually takes about six months to establish a credit file, and then another year to start a payment history. An established payment history of making payments consistently on time, more than the minimum is important when granting someone a line of credit. Think about it, if you loaned a friend $20 and he paid you back the next day, you would be more likely to loan him money the next time he asked. If another friend never paid you back, would you loan him money the next time he asked? Doubtful.

 

*

 

Now that is how “I” did it back in the 80’s, but in 2020, credit cards don’t really work that way. Instead what you can do, is simply add your child to your account as an authorized user. This “does” technically start a credit file for the child, however, most bank officers are aware of this alternative move and take than into consideration before loaning a minor tens of thousands of dollars. As Dave Ramsey says, credit lines are demonstrations of how you borrow money. If you are debt free, you don’t need to borrow or have a credit score. I am totally with Dave on this one. I use the American Express card as it grants a lot of benefits, such as extended warranty, and it has to be paid in full every month. So it is unlikely you will go crazy knowing how much your monthly income is, and where is has to go. I always encourage people to have a monthly budget. Know how much is coming in from work and other sources, and know where it is going — bills, rent, groceries, and so on. When I was younger I used a Microsoft Excel spreadsheet to budget wisely. If you are going to go gamble $100, it has to come from somewhere … less gas, groceries, entertainment or something.

*

Apply for an American Express Card with this link. We can both get rewarded if you’re approved. http://refer.amex.us/AaRONSPFre?xl=cp33 It is in the form of membership rewards points, which you can literally cash in for gift cards, prizes, credit statements or even as currency on Amazon.

Loading

ICYMI – Tech Update – Sony Nintendo Apple

Sony has announced two different versions of the Sony Playstation 5. One will be a digital download only, and the other will include a blu ray disc drive. The biggest accomplishment, yet one that is well long overdue, is the upgrade to the SSD – solid state drive – removing the old spinning technology that was the sad result of gamers sitting “LOADING” screen.  This feature alone has already caused pre-order big box giants to crash. Unlike Nintendo who has proprietary games, like The Legend of Zelda, Sony does not have anything for at least a year. Xbox had Fable, … and most license their games/software to make more money.
*
With billions of gamers confined to their already safe man caves and basements, Chinese based Nintendo giant has reaped huge profits with their revolutionary Nintendo Switch. If you are unfamiliar with this little gaming genius piece of hardware, it triples as a handheld, small tabletop viewscreen, and also connects to a big screen via HDMI. Computer monitors can easily be converted as previously they only served VGA. This can be a big thing if kids are in their own rooms with no tv. Crazy as it sounds, not all kids are so privileged to have those luxuries. The Switch has a plethora of games via their download e-store, however, you will quickly fill up the 32 gigs that the device comes standard. I personally have been rocking my Wii U, as it has been impossible to find one in a store. So naturally it put me on a mission to find one in a retail store. After months of hitting every discount store in the Rocky Mountains, I did find one. No, I’m not kidding. I’m totally serious. It was in Rawlins Wyoming, last one of course. And THAT was the day I forgot my credit cards, so unfortunately I would not be able to get the extra year warranty from American Express. I did have just enough cash to buy the last one, and the latest Super Mario game.

*

Members of the Cult of Mac:
Is your phone nagging you to upgrade like mine? It should be, and after watching some YouTube launch release videos, I decided it might be a good idea. I have the iPhone 11 Max Pro, in green, so decided I wanted my device to feel all shiny and new again. It is downloading the update as I type. One of the cool new features is sending a voice memo to someone via Siri. I’m not a iOs reviewer, there are already dozens of guys that do that. I do love my iPhone, and as a veteran in the wireless industry, I can say it will always be one of my wireless devices.

*

As you know, I am not sponsored by anyone, and I only recommend products and services that I endorse. I do not own a PS4, but I am still rocking my PS3!  Rumor has it the PS5 may be backwards compatible, so you will want the disc drive model.

*

 

Loading

Career Coaching

Check out the livestream feed from Denver! Yesterday it was smokey and 99 degrees, and today it is 34 degrees and raining in the metro. Up in the high country (the mountains) they are experiencing snow! So if you were praying for some cooler weather and precipitation also, our prayers have been answered. If you can see the video, it is a shot from what appears to be Bronco Stadium, at Mile High Field, overlooking I-25 traffic and the downtown skyline. As I a writing, the lens is kind of blurry due to the rain so I can’t say for sure.

 

*

So the post today is about career coaching, and I think that this actually should be something that is used with high school students at an early stage. I’m not a high school teacher, but I was a college professor. Having a background in sales and marketing is super advantageous when looking for a job. So how do you choose a career when you are young and impressionable? My favorite question as a kid, “What do you want to be when you grow up?” Hmmm, good question right? How the F would a five year old know the answer to that? Well, I suppose your parents could have your career trajectory all planned out for you, but for the rest of us, it was a — fly by the seat of my pants — kind of moment, and I just made something up everything I was asked. If you have kids, did you encourage the talents shown by your little students and introduce them to someone who is actually doing it? Because no one in their right mind is going to say, “Gee, I think one day I want to be a middle manager sitting in a cubicle staring at a computer screen all day.”

*

So for years I have had the idea of doing something with all the human resource knowledge that I have acquired over the years and put it to good use. Sure I talk with individuals and help them along, but nothing on a large scale magnitude. I am pretty sure there are a lot of HR professionals who read these blogs. I did start a manuscript years ago, but I would rather just publish on my website to my readers, rather than doing an e-book or hardcopy. Why? Well, you can always load my blog on your phone easily and take me with you to read later. And it is SFW (safe for work). Although I am going to divulge some secrets from the industry that you won’t hear anywhere else. These are some things you need to know, and remember.

*

Human Resources is NOT your friend. Wait, what? They are always so nice. Uh huh. We are trained to be nice. We smile at you when we recruit you and we smile at you when you sign your separation notice. We, as in HR, are here for the owner and the shareholders best profitable interest. We are here to mitigate risk, and assess talent to make money for the company. When you F up, we are here to performance manage you so we can fire you later. Yep, seriously, that is how it works. And when you file unemployment and try to sue us, we are there to show documentation that we are in the right and you are just a bad employee. Wow, that is quite a bit to take in — isn’t it?
*
When I was in college, I was involved in the American Marketing Association. I actually was an officer and was in charge of fundraising and finance. Both of these roles are super important in the corporate world. We had a big name speaker, which I can’t remember now, come to campus to teach us all about the “hidden job market”. It was kind of a big deal. Looking back, there was some nuggets from that seminar. If you are an HR person, you know what I mean, and if you are not — then I am going to shed some light on the subject. If you are looking for a job in your field, I strongly encourage you to interview someone who is doing it now, as an active job. Why? Well, there is a lot of hidden wisdom here and when I worked with my college students, I made them, interview 3. 10 questions that included what they liked, loved and hated about their current profession. It was just for information and to determine if this was an actual fit for the individual. Hey you want to be a nurse? Did you know you have some shitty situations, and until you get those little letters behind your name, you will have to pay your dues. While not usually suggested for the interview, it is a really good idea  to know what your entry level to high level manager salary is going to be. You need to be able to translate what $15 an hour is annually, and know the reverse. So when HR calls and says we would like to extend an offer of $25,000 a year, that is actually only $12.02 an hour. Hmmm, not so appealing now. Take the annual divided 2080, which is the number of hours worked a year. Now keep in mind, HR usually is not the key decision maker and when you balk at it or sit in silence, know that they can’t and won’t just up the offer. You will need to thankfully accept the offer and let them know you will give them an answer in 24 hours. Now, you should have the email, and business card of the person who decides your salary. Talk to that person.

*

I am not going to go over information interview protocols, as I am sure they are dozens of articles already out there. Keep in mind that at some point in your in person discussion, you may spark the interest of your interviewee. Like, as in, he/she may see the talent and potential in you and may want to recruit you at a later date. DO NOT take or give this person a resume at this point. Why? You will lose trust. You said you were there just for information and you secretly were trying to get a job. So inform him/her that you don’t have it, but you would be happy to talk about some of your most recent wins/achievements … now. Example: “As you know I am a big blogger with thousands of readers, and writing is sort of my thing. I’d really like to work for an editorial group like yours one day. A lot of your core goals and objectives align with my own, such as ______.” So you get the idea. You will be much more effective talking to someone in person, rather than having them read a bunch of very well written action statements. Like what you say? How about “High performing sales manager who consistently met or exceeded sales objectives and is the top  performing in the region.” Yes, well, now this is very nicely well written claim, can it be proven? Besides, you are much more charming and convincing in person that a black and white piece of paper.

*

So practice on some of your friends and coworkers (from other departments) and see what the answers are. Who knows you might learn something from that person, or maybe he/she will help you look for new jobs that haven’t been posted on the internet.
Loading

YouTube Premium – Network Marketing

I would have to think that most people have an idea of what YouTube is, and probably have watched a few videos. If you don’t know what it is, (it happens) it is a video platform that allows people and businesses to share videos for free. There is no fee to watch or a membership to join, however, if you don’t join their premium plan with a monthly fee, you will be inundated with annoying ads. You literally cannot watch an entire video without it interrupted multiple times.
So if you were not aware, those ads are what keep YouTube semi-free. Manufacturers spend millions of dollars to get you to buy their product or service. The same model that is used for television, however, now things have changed around a bit, as literally ANYONE can start a YouTube channel. Due to this aspect, the internet has brought forth a plethora of knowledge, educating and informing millions. Remember back in the day when you wanted to hear a song, you waited until it came on the radio? Then Mtv debuted and you could watch the videos. It was awesome. YouTube allowed budding artists, and well known musicians the ability to broadcast to anyone, for free. How awesome is it to listen to all your favorite songs, and cover bands for free? I love it. I dealt with the ads for years, tolerating them, watching them, understanding that those ads are what keep those videos free. But wait a second … most of those ads, probably all of them were created by individual artists, NOT YouTube. Yet it is YouTube that is collecting all the money. Sort of, … YouTube stars are paid real money for people watching those ads. However, you have to have a lot of subscribers in order for that to happen. So enough advertisements for me, and I joined premium and it is so nice. One thing that I like is I can play background music, and I don’t get interrupted, or stopped with a message asking if I am still there. Netflix, I am talking to you.

 

New Favorite Channels

I have to say I really enjoy the chakra healing reiki meditation music. Evidently some of these channels play at a harmonic frequency that is enlightening to your soul. There are also channels that play soundtrack music, so Harry Potter or the Lord of the Rings can be your soundtrack. There literally is a YouTube about anything you could want to learn more about — like how to light your pilot light on your furnace. I also found some channel on guys growing their hair long. As you know I am on a long hair journey, and for the first time in my life found myself in an area that I wasn’t very educated. The wash and go days are over. There is also a channel by iiLuminaughtii, hosted by Blair who debunks a lot of “things”. I seriously have laughed so much listening to her talk about everything from the fall of Monsanto to the pyramid antics of multi-level marketing. She can be a little uncouth at times so be prepared for an earful. If you are involved in an MLM, I have nothing against them, and by no means am I trying to offend anyone. The reality is that those types of companies are sneaking around labor laws, and technically – unofficially breaking the law. What? What do you mean? Well, in the United States of America, if you work a job, you get paid an hourly wage. UNLESS, you are the owner, a contract employee, or family. Network marketing companies trick people into working hundreds of hours …. for free. They call it “investing in your business”. Many try to convince you it is like being a realtor and you get paid when you make the sale. Real estate agents work countless hours and may never sell the house. Is that fair? Is it legal? Yes, and no. Are you a real estate agent? Well, if you are, then you get a semi-fat commission check one day if/when you sell that house. In network marketing, you get pennies on the hours you spent trying to get that one sale. Now if you are in that company simply to get a discount, they Hey! I applaud, you … you are smarter than most consumers who pay retail prices for products they desire. What you do with your free time is totally your thing.

 

It is Labor Day in the USA, and most people have the day off. But since most people are at home 24/7 it’s not like a real holiday other than there is no bank or mail services.  Colorado is still on fire and the air outside hazy and hard to breathe. And to top it off, yesterday it was 100 degrees and today it is going to snow. Yeah, cray cray. I think God just got tired of no one listening to him since they aren’t going to church and decided to shut everything down. I asked him for the snow, which will turn to rain and put out the fires. Let’s cross our fingers and hope it works.

 

Check out the hazy Colorado sky.

Loading

WordPress Security – SSL – Tax Deductions

Two Factor Authentication

You may have noticed some websites now make you verify it is actually you by sending you a text message to your cellphone. For your website, you should implement this type of security. I have it on this site, and when I attempt to login, it will require me to use the Microsoft Authenticator app before granting access.  This will prevent any hackers from getting unauthorized access to your files. If you use Wordfence, like I do, then it is already in your arsenal of weapons against hackers. Activate it and use your favorite app to verify you. It is pretty easy. Once activated there is a QR code you scan and it then puts everything  into motion.

Jetpack

This is an awesome plugin that I install on every website I build. It has a plethora of utilities that make your life as a webmaster easier. It has had a boatload of updates over the years, and actually is the tool that I used to notify users of a new posting. Personally I think that it is the coolest feature of all. Almost everyone has their email attached to their smartphone. So it is cool that I know thousands of people are casually sipping their coffee and reading their Aaron update. Today, which actually happens to contain some useful information that may save your site one day.

Another cool feature is the “prevent brute attacks” which blocks out thousands of hacker using software – that are trying to log into your site as “admin”. As a rule of thumb, I tell clients to just delete that login and then set Wordfence to automatically ban that IP from the site, if someone tries to login as “admin”, which of course, doesn’t even exist. Also, NEVER use admin as the login and password. Speaking of passwords, a cool trick I learned as a freshman in college — from a buddy who I met online, is to always start and end your password with a space character.  You know the long button that you use in between words. Why? Because it is a non-printing invisible to the eye character that a hacker would not be able to distinguish, if he was using like, a keystroke device to capture all your passwords. AH! Another trick, is to use the number 1, and the letter l, “L”, lowercase, as they look the same when printed, and you can also use that weird | symbol. lll|||lll||| is kind of goofy but it is something no one is every going to guess.

SSL certificate

The next layer of protection I advise all website owners is to install the security certificate. For one, you will need it when you are selling products or services directly from your site. Even if you use Paypal as your checkout gateway, you still want to assure your customers/clients that it is safe to enter in a credit card number from you site.  Paypal is super easy to use, install, and bill your clients. In fact, I send all my invoices to clients through a template invoice, and they can pay with their credit card or bank account immediately. Contact your website  host about installing this security certificate. You are less likely to be hacked if you have this simple, cost effective gatekeeper. My hosting package actually included it for free. Otherwise I think it is as low as $20 a year.

Tax Deductions for Website Owners

If you file your taxes as self-employed or owner of a business, then you already know that your website expenses and all hosting associated with it are deducted from the gross income, hence lowering your tax liability. So there really is NO reason at all that you don’t have some of these extras. Dropbox, you need it. It’s deductible. Graphics, (from Photodune) are cheap, and grant you copyright. You need it. Deductible. The web designer who is able to direct your potential customers to a sale and creates a new revenue stream for your business … you need it. People can’t buy what they can’t see. I can’t tell you how many times I see a site and I am left wondering, “What is it you are selling, because I can’t figure it out from your site.” No call to action is very common, and ultimately it is abandoned by possible new readers/subscribers. This site sells things. It sells books, and has a menu directing people to the rest. Mostly it sells ideas. People don’t come to this website to “buy” something. Usually they come to learn something. Probably 80% of new visitors come from Google, Bing and MSN. Most of my long time readers just subscribe to get the blogs and know they really don’t have to go to the main site unless they want to read older blogs.

If everything I just wrote means nothing to you, then you must not be a website owner. So, on a side note, Disney+ just released the movie Mulan, for $29.99, and unlike Trolls that only allowed 48 hour playback, you can play it as long as you are a Disney+ subscriber. So Disney actually listened to feedback from Trolls and grants you forever access without buying it again when it comes out next year on digital and disc for the rest of the world. HOWEVER, if you cancel Disney+, then you lost it.

Also, for American Express platinum cardmembers, they receive up to $20 a month on streaming services. So my Netflix, and Disney+ are free for me, and then I also get $20 a month credit on cell phone services. So for cardmembers it would work out to like, $21 to get the new Mulan. I’m actually watching it right now in the background and it is surprisingly pretty good. I haven’t written an actual movie review in years, but who knows? It could happen.

If you like my posts, please like my Facebook page. You can click like at the footer of any page on the site, or subscribe, also in the footer, and get my posts by email. I strive to post on a regular basis. Especially now that everyone is in lockdown.

 

In the United States, it is Friday, the beginning of the Labor Day weekend! I am guessing there will be millions of backyard bbq’s. Have a fun and safe weekend friends!

 

Loading

What is going to happen to our world?

The Global Economic State

Many of my fans and followers have been spending a lot of time reading the blogs, mostly as an escape, but many are also here to learn. Education at this point, is not so grand. I had a student tell me he learned more in my blogs than he ever did in school. Wow, that is quite the compliment, and warms my heart. Yes, I am a repository of a boatload of information. I totally get it. I mean, who wants to learn about history and math? Not me.
So, to address my topic, I was asked to shed some light as to my perspective of what is going on in the world with the coronavirus as well as the United States political economy. I have also had a large number of young voters who are looking to me for some guidance as to whom he/she should vote for this election in November. You would think that a lot of kids would look to their parents for guidance, but you also have to remember, there are thousands and thousands of children who have no such parent or role model. Whom do YOU look up to for advice about life decisions? If there is no mom or dad, then what? Did you see the Netflix show 13 Reasons Why? Wow, talk about some kids who have really bad role models. What if your dad left your mom and she was junkie bringing home nasty guys from the bar to have sex with while you are in the next room? Exactly. The world is a beautiful ugly place to live right now. There is fear, terror and most of, evil in this world. Let me repeat that. There is evil in this world. Now you can try to go around and point fingers and attempt to place blame on one person, or conspiracy theory.  But at the end of the day, what does that exactly accomplish? You are still you.

What Would Aaron Do?

So, a long time ago, I had a padewan/student who said I was a great role model. And rather than losing a temper, would pause and think what my response/reaction would be to the situation. Wow. That is pretty cool. I like to think I make the smart right choices in life, relationships, work, and friendships. First of all, I have watch Contagion, like a dozen times. If you haven’t seen it, you need to watch it. I also watched Carriers, with Chris Pine a few times. Needless to say, I am sort of a germaphobe. I carry Clorox wipes and spray everywhere I go. Not to gross you out, but there literally millions of men that never wash their hands after using the toilet. Disgusting. If you just imagined one of those guys touched what you are about to touch, you would wipe it off too. So, keeping things I touch clean and not going out in public very often. Okay, I need things. Groceries, so I go when the store opens at 6 or 7 am when there is no one there and I am in and out. Boom. Nothing dirty to touch or get sick or infected. Now there are a lot of media outlets and even some well known celebrities that are posting things on social media that the virus is fake, that people aren’t really dying from it, the flu is more dangerous, …. you get the idea. Well, what do “I” think? I think I need to do everything in MY power to stay safe, keep living this sabbatical, and use the time wisely to create some terrific content for future events.
The reality is, people are going to die. Do you really need to be one of them? I don’t want to die. Is it so difficult to cherish the time in my castle and pick up an old book to read, or revisit an old manuscript? As I type this blog I have soft meditation music playing in the background to raise my harmonic vibration.

Rock the Vote

So if you were living under a rock, just got out of jail, woke up from a coma, or just landed on earth, … welcome!  I just wanted to share with you that in the last three years or so, there has been all kinds of ruckus in the United States, and unfortunately the school shootings have transferred to blacks being killed by police officers. Now that is not exactly everything, but it has caused all kinds of protests and marches. The leadership in this country hasn’t exactly been remarkable and the President was impeached this year, but due to dirty politicians, the Senate, did not approve it as there are more republicans than democrats. So basically the president is a liar, cheater, thief, and is immoral, and most of America seems to be okay with it. At least the racist hating republicans anyway. Hey there are racist democrats and independents too, so I’m not calling out one group over the other.
Hate is hate, and if you know me, then you know that sort of negative energy is self destructive. I like to focus on the love, not the hate. I love that I will get a tax return someday. I love that I can drive around with expired new car tags. I love that I still am healthy and keeping a positive mindset. I love that my readers leave me comments how I have inspired or helped them. Or in some cases, gotten a free lunch due to my content/articles.
So if you are undecided as to whether you should vote republican or democrat this November, I am going to tell you I am voting for Joe Biden. As you know, I am from Nebraska. Last year when the floods hit Nebraska, Trump did nothing for my fellow friends in the next state. When I was in the Walmart shooting in Thornton, Trump did not even acknowledge it or even tweet shit about it. So yes, I have personal feelings towards the serial pathological liar.
Alrighty, so here comes the hot stepper. Many of you were wondering when I was going to throw out some marketing statistics and “things”. First off, let’s talk about the thousands of voters dying everyday. We all know that old people are dying way faster. Cancer I think is still up there for high number of deaths. And I am only focusing on registered voters. I am not going to even GO there — kids missing. So first off, at a local level, we all know we vote for local issues. School bonds, funding, judges, and also some bigger issues, like senators and congress representatives. Oh yes, and this year, is THE commander in chief, mister president. Most people don’t understand economics or politics or government. Shit, most people can’t balance a checkbook or even have a monthly or yearly budget. Perhaps another day for an article on those topics.
For now I want those young  people to understand that in order for good and evil to balance each other out, those local senators votes are more important. It is BULLshit that one man is above the law. So it is my duty to come forward, speak out to young impressionable minds and tell you that regardless  who you vote for as president, the democrat senators must get your vote.  Now in Colorado that is a done deal. Former governor John Hickenlooper is running against askhole Corey Gardner. Basically he and Governor Jared Polis changed positions. Since the last election, there are less voting registered republicans and thousands more democrats keep moving to the state. Last election, millions of voters decided to sit it out and not vote. And now this is what happened.
Every day hundreds of minors turns 18. Every day an old dying baby boomer republican also dies. With the virus I bet the number is even higher, but they don’t report on what political parties are dying and at what rate.

Well that is all for now, I hope you enjoyed it. If you are not registered to vote, do it now.

Loading

20/20 Vision – Thoughts – Writing – YouTube Video Launch

Welcome Friends! I’ve changed, have you?

If you aren’t following my Instagram account, here is the latest picture of me with my hair down. Cray cray right? I got a lot of comments that some of my fans were not getting my Facebook postings and they were sure they clicked the like/follow/subscribe button. So I looked up a bunch of my favorite celebrities and you guessed it, they posted and I never saw the posts. Well that is disappointing, I really liked seeing the Kardashians pretty smiling faces. So what I did was change the notifications to “See First” in my newsfeed. You can do the same on my page, but I probably am going to take a break from posting on Facebook. I have thousands of fans and only a few ever get to see my posts.

 

Facebook Owns My Content

So I made an announcement on Facebook, since they are changing their terms and basically said they can and will delete anything they don’t like. I didn’t actually read the whole terms, but honestly, I am really disgusted with the fact that Facebook controls who can and can’t see what I write. Don’t get me wrong, it is an easy to use platform available on every smartphone with their app. However, if you are like millions of people in the United States, it is your only source of news, connections, resources, articles and entertainment. It doesn’t need to be. You don’t need to be restricted on what you should read and see.

A long time ago, when my first real website was for personal, and not business, I did a daily “Thought of the day”. If was fun, I could be creative, post a pretty picture, and the site was basically a portal of all the sites that I used and were “Aaron Approved”. There were no blog postings, but there were lots and lots of pages. That was back in the old days of having to know and read computer code. HTML to be specific. Oh those were the sad days. If I remember correctly I was blogging on Xanga, Blogger, and MySpace. Cray right? Where are all those writings? Gone. Never to be seen again. So anyway, that site is now my work site, and this one, is my primary blog/writing space.

 

Welcome new friends

If you are new to the site, hello and welcome. Wha’s up? How YOU doin? Hopefully you read through my bio on the main page so you already have an idea of who I am. When I meet new friends I always ask what they were like in high school. Why you ask? Well, I can see a lot about someone inquiring as to what activities and extracurriculars were important to him/her. Plus, I was in a ton of things, so I quickly relate to someone when we have the core commonality. Apologies in advance for my extended writing absence on the blog. But if you check out my Facebook personal and business page, you already know there is a ton of stuff that I have written. So since Facebook is taking over what content is allowed on their platform, I have decided to take the initiative and action to move my thoughts BACK to this blog where it has no censorship. Meaning, Facebook can’t delete my post/message.

Big Hair

So I am sure a lot of y’all are just blown away with my new hair. When I say new, I do mean new. It’s not extensions, or  weave. It is all virgin Vietnamese hair. I have to say I really like having long hair. I can put it in a ball cap, tie it up, or put it under a bandana and it is like it isn’t even there. So like 5 years ago, like a middle-aged man, I started losing my hair. Yep, it sucks, but it happens. Well I wasn’t satisfied with that and I took it upon myself to reverse the damages of time, neglect and sun UV rays. Not to mention all the bad hair decisions I made throughout my life. So fast forward to today, and look at my long big hair. Wow. How did I do it? Well I was hoping  you would ask. Magic. Hahahahaha. The magic of science and changing of my lifestyle.

YouTube Channel

Actually I was working on a Ted talk, a short 20 minute stand up presentation, but I don’t think that is going to happen anytime soon due to the current state of the world. Don’t worry, that message will still come and I am thinking more of launching my YouTube channel where I talk instead of write. The Aaron Stephens Talk Show has a nice ring to it. There are literally tons of things that I could rattle on for hours. So if you want to subscribe to my YouTube, you can see my cat, Sparkles. My secret chili recipe is also on there. I think my mom is my subscriber.  https://www.youtube.com/c/AaronStephensMBA/ I will be working on my series of how I regrew my hair. Seriously, there are new little hairs growing all over my head. It is like there is a beard secretly hiding underneath. It is pretty exciting and I am getting really excited about sharing with the world. Seriously, wouldn’t life be so much happier if people had more hair? Initially I was thinking of cancer patients, but as I discovered just how big the hair industry is, my plans got bigger and bigger.

 

So thanks for stopping by and plan on hearing more from me on a regular basis. I “think” that subscribers get an email when I post something new. Cheers!
Loading

Toys

“When are you going to learn … that people will like you for who you are, and not what you can give them? Now you go back and get your toys back … NOW.”
 

I thought at a very young age if I gave away my toys that people would want to be my friend. I was right and I was wrong. So I learned to detect when someone wanted something that I possessed and wanted it for themselves, or if that person was a genuine friend, and only wanted to spend time with me.

 

So now that I am a grown-up, the things that I can give to the people in my life consist of laughter, smiles, happy days, hopes, dreams, an imaginary world that I created, stories, songs, dances, and sometimes a little bit of magic.

 
There is something else that people will want from you, and you need to decide if you are willing to give it — your time. Your time is valuable and precious. We never know how much time we have before we expire.
Loading

Who Are You?

Knowing who you are is just as important than where you came from, or whom you were birthed. A lot of people identify with their occupation, or what they do for money, as to answer this question. Sometimes it depends on who your audience is, on what your response will be. If you are looking for a job, then you would focus on your primary area of interest in your occupation. So I might say that I am a writer, or a web designer. If I an talking with a colleague I might call myself a human resource authority.

 

Although sometimes I like being introduced as “my friend” rather than an occupation. It’s natural for people to tell something about their new friend, and usually it is meant in good will with positive intentions. Many times you might be in a social situation where you job isn’t relevant at all. Sometimes your skills or talents might help set you apart when being introduced. When I was younger, I would go to raves. My friends would always tell people I was an awesome raver/dancer and to look out for me later in the night. When I sang in the choir, I was always known as Tenor Aaron.

 

You are only limited by your imagination.

 

Loading

Government Conspiracy

In a cold stale room smelling of old cigarette smoke, two indecent politicians sat under flickering florescent lights brainstorming on possible ways to “improve the economy” without raising taxes. 

 

It is the problem politicians have faced since the people organized and began governing themselves. We need money to operate, but no one really wants to pay it. And who can blame them? You can’t just raise taxes a slight percentage without majority rules, which means a ballot issue that everyone votes. Where does that money come from? Did your bank account suddenly go up for a cost of living, gas, utilities and food increases? No. 

 

Then it came to them. Invent “The Lottery”. People will pay money willingly in the unrealistic hopes that they will win this big prize. Since they don’t really know how much is collected, the government could easily dip into it, and maybe even swindle the winners out of their money. It was genius. Not only would they collect thousands if not millions of discretionary income from the middle class and the poor. They would also get the really needy to make sacrifices to buy more tickets. 

 

The magic was that the jackpot would be so enormously big that the one or two winners would be taxed at the highest tax bracket, giving almost 40% of the jackpot to the government. The magic was so powerful that the one lottery called “Powerball” expanded to “Megamillions” and “Lucky for Life” where gamblers can willingly give their hard earned money to the government every day of the week, except Sunday. 

 

Sure it is fun to spend $2 and play the “What if?” dream. But you should never bet your whole paycheck like some people. Simply put, the odds are never in your favor.

 

Loading
wordfence