Saturday, October 29, 2011

My Thoughts on Retro Active Loan Forgiveness and Wall Street Occupation

I have been getting into some pretty interesting debates on the whole student loan and Wall Street fiasco. And because I have quite a bit of money, I am suddenly the "know all see all" to the situation. Here's how I see it as a whole: 1) no one should be "forgave" for their student loans and 2) occupying Wall Street is not the answer to the financial problem in the United States.

Let's face facts: the United States is trillions of dollars in debt with a highly educated work force whining about every single little thing because things do not go so well for them. This is supposed to be our educated elite capable of making decision and innovations for themselves. This is supposed to be the top of the top "intellectually" (which I really don't believe in IQ) and this group is supposed to have all the answers for going to college for so long. Then why can't all these geniuses balance their own budgets? Why are all these people in debt with no way of paying their loans off? I'll tell you why, they were spoon fed a system, that "has" the solution to their needs. But if you take a step back, you'll see how stupid that notion really is.

Take two college students: one of them decides to study four years, take no loans, and scrape by with little or no debt. Another decides to go to college for 10-12 years (which they are in their 30s by now with no real work experience) they take a bunch of loans, go in debt, and tries to get a job in a bad economy. Suddenly to get a regular job, you need some college. Suddenly to get hired, you need at least a 4 year degree. Who do you think wins? The answer is the college student with the 4 year degree. He/she has close to no debt and can start earning money right away. The other student has to wait for his/her professional job. Student A can work a regular 9-5 and be already set to elevate to his/her professional career. Student B has to find a way to make ends meet because he/she has to compete with an educated pool of people with the same if not better qualifications. In short College student A will begin a life of earning money. Student B will have to wait 20 years down the road due to their six figure debts that they have to pay back.

Think about it: the most affluent people in the world do not have anything more than a 4 year degree. Unless you really want to be a lawyer or an M.D. there is no real need to go another 4-6 years in a shaky economy rapt with uncertainty.  I have to say that many people have this myth that getting a college degree means you will have money. That's is far from the case. 70% of all students that go in for a college degree and graduate get jobs outside of their feild of study and 80% of those students end up living with their parents. I considered this the ultimate act of disgrace. I supposebly went through all these classes and am considered super educated yet I ask my family for hand outs? That is total garbage in my eyes.

I'm going to be trite for a second: if you got into debt, you should get yourself out. No one put a gun to your head and said take the student loan. You could have taken time off to do an intership or worked for a little while or applied for scholarships. No one who works really cares about giving just you a job. So please check your entitlement mentality at the door. You are entitled to pay your taxes, you are entitled to apply for jobs, you are entitled to work your way up like everyone else. You do not deserve special treatment. Quit whining about your student loans. Suck it up and pay them off. No one deserves to really forgive you.

Ultimately, I would like to address people that have debt, but want to be rich. What are you producing? Your supposed to be leaders of the world. If you can not find decent work that you like, you should consider being an entrepreneur. I seriously have no love for people that just want hand outs. If you have an idea to make a company and create jobs, you should run with it. People are just banking on their degrees, when they should be banking on their imaginations. Sorry that's the way it is. You need to take your big idea and run with it. You are young and should not be scared of failure. If you fail, so what. Just don't go asking me for a loan.

Now getting into the occupy Wall Street fiasco. There are all these companies that put home owners into debts that they could not pay off. Think about that for one second: if you are truely one of those owners, then the person you should blame is in the mirror. If there are millions of families stupid enough to not read a contract or take it to a lawyer for verification, then they deserve to lost their money. The businesses aren't really that predatory per se. I was about to go in on a house and there were many many different loan options. Analyzing that, I could choose which one was right for me and my personality. What makes Wall Street the total problem? Does anyone honestly think that they are solely to blame?

services. Which means you do not have to buy anything from those stores if you do not want to. Again I'll use the gun analogy: no one says by stuff from Wal-Mart at gun point. You choose to because of the prices they have. They outsource to lower their prices. No one says "eat at Taco Bell because they hire immigrants who are willing to work for minimum wage" at gunpoint. Again these companies do not want America to fell. If they did, then they would no longer have 75% of their customer base overnight. 

I think the anger should just be directed towards the CEOs who took the subsidy money and gave themselves bonuses. They should all be imprisioned for abusing government money. You should not get mad at capitalist for being capitalist though. You should just get mad at the crooks for being crooks. Also, occupy Wall Street doesn't solve anything. If anything it creates problems, because the majority of poor people are not at Occupy Wall Street. They are in fact middle class to rich people. If you really want to point fingers at the problem, it should be at those people for not starting up companies to compete against the supposebly "evil" corporations.

Saturday, October 22, 2011

Re: The 4 Worst Things About Writing for the Internet

Hey everybody. This is Charles once again getting it in. I was satisfying another Facebook addiction phase when I came upon this article at . While I am a fan of Cracked, Daniel O' Brian wrote a article that would probably get under a lot of writers skin. First off, if you are writing on the internet trying to just make ends meet doing articles about blogs, your not really going to get anywhere. Trust me, I didn't start making any money off of blogs. Because if I did, I would starve to death. That's the truth.

If you expect to make ant money on there internet, two of the simplest ways is A) having a marketable product and B) having a huge fanbase prior to making something. For example, celebrities are already successful, so when they make blogs they are instant hits. They already have the following and they already have their target audience. My blog probably only has around a few hundred followers and just so we're clear out of those followers only 2% of them will leave actual comments. The other 98% will either tell me in person, not tell me, or are bots trying to spam me. And... that's just what it is.

Now the whole thing about his articles being ripped off also touched a nerve with me. I have been doing this as a hobby for years. I tried to do on a pro level, but without a blogging army or team, competition is really cut-throat. I was making articles with Blogger News Network before this. My job was to comment on news paper articles and review different products. However, I searched my own articles to discover that  on of them was stolen by another website called Sheeple (probably changed the content around and threw dirt on my craft). I wasn't getting paid enough for the amount of effort I was putting out so I decided not to do it anymore. What Daniel O' Brian is talking about here makes a lot of sense from a writer's perspective. The only way bloggers can come up really is with viral content from a large fanbase. No one these days really is knee deep into frugality and I have way more popularity on my Korean blog because I use comedy and target a wider audience. Plus I have loyal fan base through Facebook. That being said, the best way to come up on writing skills is to network with writers and target a large fan base.

It's an unfortunate reaction to have, but it's true. Publishing on the Internet means you run the risk of having your work seen but also stolen by millions and millions of people, all the time, every day, forever. Even if we got this guy's blog shut down, I guarantee you three more blogs would take its place, all of them piloted by writers who have no problem stealing other peoples' material, because starting a blog and stealing are two very easy things to do. To a lot of folks, the Internet is still just the Wild West, lawless and open, and full of shockingly filthy people. There are no rules, and if anyone's caught doing something wrong, the go-to excuse of "Relax, man, it's just the Internet" isn't stale enough yet that people won't still casually throw it around. And maybe the Internet will always be this way, with fickle audiences, impossible-to-please commenters, distractingly endless $%^&**#$, and shameless plagiarists. - Daniel O' Brian: Cracked Comedy Writer


And that was more eloquetly phrased than I could have put it. Please remember that this is the truth about blogging in general. There are plenty of people that want to rip off your ideas. One so called friend took it upon himself to write a book copying many of the ideas on this blog. In hip hop, the person who steals someone else's rhyme structure and flow is known as a "biter". I would like to dub these people who do the same thing with blogs as "writer biters."

That being said, Daniel O' Brian claims that the pros outweigh the cons. If you are persistent and find a responsive audience; they do. If you can get thousands of people to read just your blog out of the billions of other blogs; they do. I think I have been lucky to get the hundred or so people to keep reading per month. I think it is that alone that keeps me writing. It is a passion that only grows everyday. I have written work in a lot of different genres. Fiction, Non-fiction, poerty, you name it. As I near my 200th post I have noticed my style has evolved with the times and has continued to stay fresh. Being creative and innovative is what keeps a blog alive. Also putting in the time to write good material is key to consistently creating success for you and your blog. 

That was my reply. I'm out! CB

Monday, October 3, 2011

Cthulu Saves the World: A Cheap Indie Game Available on Steam

I just though I create a quick post. I haven't found any frugality hacks as of late...until now! I manged to come across an ad for Cthulu Saves The World in my Facebook. I was just playing Tetris like I always do and I went to my groups to check on how many members we have in there. Turns out that we have roughly 200 members.

Anyways, I checked and there was a video showing Cthulu Saves the World. I also got Breath of Death 7 for free with it. It will only set you back $3 for over 60 hours of game play. If you count all the different modes of gamplay it says, it accounts for more than 60 hours, See the video to Cthulu here.