Much change in the upcoming month

To those who read my blogs, I thank you for your patience. Don’t get me wrong. No one ever said it was easy to run a blog. Obviously, in order to do so, I must provide content to showcase first. I have been gone for the past week and it’s sad to say that I was fighting to figure out what to do when I found out that my office’s contract was due to expire and our time was growing thin to find another job.

I would like to point out that my luck, throughout my endeavors of life, has assisted me with great generosity. My internship Director, Dan, from when I interned at Discovery during my college years reached out to me in regards to an opportunity. An opportunity that could potentially grow into something bigger. Granted, I currently have a Full-Time job making a decent living and could potentially have another contract to continue work. This opportunity is a contract job with similar pay and Full-time; however, the contract is designated to end in a year.

I had a talk with the director, man to man, in understanding the risk to taking this opportunity. To understand that a job will be presented to me if my work can support the company. That has been always been my purpose in life. To quit the talking and get the work done. I lacked this trait at a young age. As I grew older, I worked on it – building my craft. Currently, it is a habit of mine. I can’t stand 50% effort from myself. I can only push for 100% or bust. I see it like this, you have the time work on yourself in life – whether you want to perfect your body as a body builder, perfect your intelligence with math, science, technology, etc, or perfect your craft, whether art, cooking, etc. What do you do with the time given? I hear many of my classmates, whether on LinkedIn, Facebook, Instagram, etc, say that they are grinding, getting money, and flaunting away. To be honest, I applaud that behavior because of the motivation that “shows”.

However, when nothing is to show for it – it all becomes “talk”. Everyone is going out to party, going to the clubs, buying expensive things that we can’t afford, and for what? Are you really building yourself? My best-friend died at the age of 19. He had his time taken away from him, but he is now in a peaceful place. He always told me to keep working hard, as he did – fighting his cancer. He is always on my mind when I have these moments and it makes me want to see progression from my friends too. I want to help those close to me, as he helped me. I don’t want to see those around me fail. However, I do want the bullshitters to stop with their nonsense and take a step back to think about their life.

Could you work hard now for that trip to another country? yes. Could you go now? yes, if you had the money. But the questions come – will you have money when you get back? Will you have a JOB when you get back? Was it worth the time used?

Depending on your purpose and the way you answer those questions will tell you something. As humans, we sometimes need our asses handed to us before realizing the truth. But don’t be late and regret the things you would’ve accomplished in your life – rather than accomplishing something from your wish-list/bucket-list. Please understand that bucket lists are lists of task to do before you die. If you have watched The Bucket List, you would understand more. You have more time than you think. Make the world better, invent something, save the world, build. Otherwise, those people you paid for your flights, hotel stay, event hosts, etc, are smiling all the way to the bank – retiring at the age of 30 because they worked hard getting your money while you enjoyed their amenities. Stay Woke. Be useful of your time.

Maki Ramen 

This is the first time I have eaten ramen, besides out of a styrofoam cup. It looked very close to what you would see in Naruto. Especially those Narutomaki, those fancy pink and white swirl pads,  it’s fish paste that takes pretty good.

A whole bowl of soup, ramen, mushrooms, half a boiled egg, bulgogi, and a strip of seaweed wrap. One must be crazy to not eat this delicacy.

Maki is quite small, the size of a boba shop, but with all the amazing flavors. This might be our designated ramen shop (I’m lying. I’m always willing to try other places).

If you are in the area, give it a try!

Credit card?

Okay. I keep getting questions from friends asking if getting a credit card is good or bad? First of all, before you google your favorite credit card, try to imagine how much money you can get, etc.  – understand that it is a simple concept that can make or break the way your credit will be.

Credit is “imaginary money” (don’t quote me on this) that has been provided to you to make any necessary purchases – given that any money you borrow, you must pay back. It’s like having miniature loans. You use the “credit” to purchase your items, which the credit company gives you about 1 month to pay off. Purchases made in the statement month (see the terms and conditions of what a statement month is for your credit card company) will be required for you to pay that following month.

What I would recommend starting off with, is applying for a joint credit card with your parent at your current bank. This would help with building up your credit (if you don’t already have any) and help you learn more about the card as you use it.

Those who already have good credit, I recommend to sign up for any cards that can offer rewards. If you can afford the yearly fee, more power to you. Free is always good for me, so I like to stick will those credit cards. Theoretically, you are going to spend the money anyways, why not get something back instead of just giving your money away by paying cash or debit?

Rewards can involve money back, gift cards, free plane tickets, discounts, or even vacations!

For those who have bad credit, don’t worry! There are credit cards that support applicants with bad credit. You can keep track of your credit by downloading the Credit Karma App (sorry no link, they can pay me to do all of that) and monitor the numbers. Start now by only spending what you have.

This brings me to my next point – DON’T SPEND THE MONEY YOU DONT HAVE. Yes, there are times where we may have to put a bill or two on the card where we might have to wait for the money next paycheck, which is fine. As long as you pay within the statement month, you are in the clear. Most companies will remind you when your next payment is so that you can schedule payments accordingly. There are times where I feel people will not have self control and will spend all of the credit they have – and that is abusing the credit card. That’s just like borrowing something and not being able to give it back.

Keep in mind, credit cards are not for everyone. Like I stated above, many people do not have self control. That is your decision. I’m merely stating the benefits of the credit card and how it can make your life a bit easier.

Be sure to pay it off in full every chance you get (to capitalize, spend only what you can afford) because this can build your credit to a very strong number. If you make the bare minimum payment, this is do little to nothing to those numbers. You might as well cancel the card after you pay it off because it tells you that you may not be financially responsible.

Be honest to yourself and figure out if you are ready for this type of responsibility. I knew at 18, I was going to get a card and start building up. This gave me many options for my future (present now) to purchase and car and a home.

You can say that credit can also a form of trust. A person (company) is trusting you with there money to use to pay for whichever you desire, hoping that you will pay them back. To continue with the imagery, this person will be nice and not charge you anything if you pay back in full, within the statement month span; however, they will charge interest every month you don’t pay and their trust for you will slowly decrease. The more trust you have and then better you start paying this person back, you slowly start to accumulate a reward for your efforts.

Build trust and Understand your limits.

Anymore questions? Feel free to reach out to me at anytime! I’m always willing to help and give advice.

How do I do this?

I know. I know. I know.

You never know what you are getting yourself into, when you pick up something new. Attempting to purchase your first car (whether used or new), applying for new jobs, saying hello to the girl you like – it’s never easy, but who said it ever was?

There are butterflies in my stomach when I experience new things. Am i paying too much for this car? Is the car going to last me? Will I get the job? Will I, at least, get an interview? Am I under qualified? Will she say yes? Will she notice me? There are times where the questions you seek the answer to will grow immensely as you receive different responses. You may noticed that I have not included the “How” questions.

How…? Whenever you ask these type of [vague] questions, you will get [vague] responses. The questions provide insufficient information to give you want you truly want to know. Luckily, we live in an era where you can just google your questions and someone, from somewhere in the world, will answer those questions. Good. Your curiosity has led you to the first step to finding out How.