Showing posts with label investing. Show all posts
Showing posts with label investing. Show all posts

March 17, 2019

The Curious Case of the Spiritual Gangster

In an Increasingly well traveled world, the Barter Economy and Go-Givers Harvest the highest rewards, knowledge and Information.
The Why:
Travel is one of the greatest gifts you can give to yourself, because of the people you meet and the experiences you have, if you are open minded. In the past, I've written about how The Singing Cerveza Salesman who won my business, today I am going to write about how being generous with what you have can get you the experience of a lifetime.
The Story:
This story took place over the St. Patrick's day Weekend in Memphis, Tennessee. The name's will be changed as always. All events take place in and around Beale Street.
We Started on
Enjoyed a Parade of Boll Weavels, Shriners, Cruella DeVille Cars, and Memphis Grizzlies:
After the parade, we found ourselves at Silky O'Sullivans which was crowded and an amazing experience where I got to partake in a magical bucket. The experiences that this magical bucket called a "Diver" never stopped ceasing to amaze me. It caught eyes and attention, it was communal, and it brought people into our circle that will forever be friends for the rest of time. Our circle grew. The contents of this bucket could be traded, not for currency but for value. The value of a good time. As the day progressed on the contents of the bucket seemed to dwindle but sometimes people would share their time with us and somehow the bucket never seemed to get truly empty. The more we shared, the more a magical haze overtook me, that can only be described as the beginning of the magic of St. Patrick's Day.
The Magical Bucket:


Being from Nashville, TN, I wanted to drop in and say hey to my neighbors at Tin Roof in Memphis because I've been a fan of the Original Tin Roof on Demonbreun for as long as I'm allowed to legally remember.

Here begins the tale of how a pair of Ray-Bans magically passed over two of my close friends and led the spiritual gangster into my life. During the day I was wearing my glasses and couldn't wear my sunglasses. So my first friend wanted to borrow them, of course this is no problem! "J," now with a pair of sunglasses was able to meet "A." "A" had a pair of sunglasses that "J" was able to keep up with because a silly leprechaun kept knocking the sunglasses off A's head. So now my Ray-Bans were able to be commandeered by my good brother Forrester. Forrestor wore my shades until the sun had set and I had my contacts in.

These magical sunglasses were able to lead J and Forrester to their own spiritual gangsters, they had finally come to rest back on my head with one last task: find me a spiritual gangster.

Though my day had been arduous and my feet were calloused, I was not giving up hope to find a true intellectual conversation. The attempts throughout had been many, yet none were fruitful. Since Tin Roof in Nashville was familiar territory for me, Tin Roof on Beale Street quickly became a comfort zone in which I thrived. I introduced myself to some staff and sent regards from Tin Roof in Nashville.

The Dance floor seemed fun, but not this late, my spirit was dwindling and I needed a few more carbohydrates anyway. Returning inside, I found my way upstairs, I found my friends J, N, A, K, B, and Forrester up here!

How Amazing, the Magical Bucket and Sunglasses re-united us! I made more friends, a Real Estate Agent, an Attorney, and an interesting gentleman who's name I never got. But alas, the spirits were not in my favor... yet. All of these conversations were great, but none of them truly enlightening and all ended too soon.

That's when the wind shifted the tide and led me to Elle. Elle was tall, which I liked. She also seemed to be fairly un-amused with her current accompaniment. We hit it off pretty quickly with polite complements traded. Elle had an amazing story being from Hawaii originally, and you don't hear that very often! She Also had a Carmen San Diego thing going on especially since I think she mentioned having lived there, in fact it's where she started her company. I had to know more, why was she in Memphis? Was she merely visiting or did she live there? Elle actually moved her start up from San Diego to Memphis to catch a big Fish and as a salesman myself, I appreciated the willingness to travel, plus it made huge business sense. As the magic of the night increasingly took hold of the atmosphere, the Altruistic Leprechauns moved the magic hands of time and place. The Spiritual Gangster hat was of significant importance to Elle. Perhaps, perhaps not. I will never know.
The Hat:
The Curious Case of the spiritual gangster
But I do know that the exchange of ideas and thoughts in not only English but in Spanish as well was worth more than any classical education could buy. To read more on how to get more from your education while travelling abroad and the significance of learning a second language, read my article about Staying Healthy while Travelling Abroad. 

Before Hailing a ride, Elle and I exchanged items in order to guarantee we would re-unite at a future point. The Spiritual Gangster hat that she had placed such High Value on and my Ray bans which I didn't pay anywhere near to full price for were traded.

I valued very much my sunglasses because of the magic that they were able to work for my brothers and for me, so I wonder what magic and good fortune will bring because of the Highly Valued hat? Stay Tuned for the update of when the Spiritual Gangster Strikes again! Elle and Myself had exchanged so much information and generosity; however, it was time for me to retire to my room for the night. Elle was awaiting a friend anyway and I urgently needed a change of socks.

So I hailed a Lyft home and had one more amazingly intelligent altruistic conversation with my Driver, T. Fortunately, due to the wonders of technology I was able to get word of my brothers whereabouts and that Elle had finally reunited with her friend.
The Moral
What this whole story comes down to is this, that even though currency is simply a means of exchange, true value can be found from meaning, conversation, and experience.

Through true friendship, kind acts, and generosity, you can truly have an amazing time. As Eric Weinstein said in a Joe Rogan Podcast, "Take something simple like a harmonica" something completely unexpected and using it in a different way "Something you get as a party favor as a kid" he continues "There's 4 secrets and suddenly the world opens up" ... "There's so small a number of secrets and you have to have a reason." "They're small financial options, you can exercise them or you can not exercise them."

 Body language is the language of the world, and that's a tale for another day.


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April 23, 2011

Mutual Funds

To help you set yourself for retirement, or to have a million dollars by age 35 or so, I'm going to give you a quick education of mutual funds!

Mutual Funds are a wonderful way to prepare for your future, whatever that may be. If you want to have your house paid off, a nice car, and early retirement then a mutual fund is a legitimate and low risk way to do so. If you want to have save a million bucks, simply putting your savings into a bank savings account earning 0.02% interest isn't going to get you there fast enough.

A mutual fund uses compounding interest to help you earn money. I've made a simple video explaining compounding interest:




Now that you know how compounding interest works, it should be fairly easy to decide you want to invest in a mutual fund! As a disclaimer, mutual funds do carry risk and there are several types always do more research before investing.

I'm going to give you guys a glimpse into my fund which I've held since July of 2009:


My first investment was for $1,000 and I originally planned to re-invest $1,000+ every year but it hasn't been good for on the job market lately. However, as you can see even after 3 years I've earned nearly $400 all thanks to compounding interest (and the market recovering!)

There are several ways to invest in mutual funds through financial advisors and online. What I have learned since opening my mutual fund that there is one mutual fund that is constantly returning high % returns and outperforming the other funds, the Vanguard 500. Personally, when I get my next $1,000 I will be investing in that one.
Update: 01/16/24
I no longer own these mutual funds and find they are mostly a bad investment vehicle. Just view the top 10 holdings of several mutual funds and pick 5 of your favorites, then hold. Atleast you can see where my head was over a decade ago at age 20 or 21