=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-= = F.U.C.K. - Fucked Up College Kids - Born Jan. 24th, 1993 - F.U.C.K. = =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-= CHECKS CASHED HERE ------------------ Have you noticed more check cashing stores popping up in your home town? It must be a pretty good business these days. I believe it has something to do with more people living paycheck to paycheck many of whom probably don't even have bank accounts. Pretty sad thought. Could you imagine having a job but not having a bank account? How do these people pay bills or save money for that matter? How come the rich keep getting richer and the poor stay poor? Well if you had several thousands or millions of dollars lying about what would you do with it? Sure, you would INVEST it in real estate, bonds, and most of all stocks. Earn about 10% a year on your money and it will double in about seven years. Hell, given enough time even your money in a savings account (2-3% interest) will double but you'll never get "rich" off the interest by keeping your money in the bank. The old saying "It takes money to make money" is very true and if you want to have more money you have to do what those with lots of money do-invest. There are too many so-called "spend thrifts" today earning a decent living and spending everything, or worst yet, more than they make. Could you imagine making thirty plus grand a year and having nothing to show for it in the bank? I know people like this and the more people I talk to the more I find caught in this rut. Either this or they have money in the bank earning 3-5% in a savings or CD account. The bottom line is they are not investing this money and the money they do make is practically nothing after inflation and taxes are figured in. Ever hear people whine about the declining middle class, the rich getting richer, and more people becoming poor? Perhaps it makes a little more sense now. Credit cards make things so easy these days. "Twelve months, no payment, no interest. Now is a good time to buy that BIG screen TV." After your twelve months are up you better have the TV paid off or your ass is likely to be paying interest for the past 12 months. Some people can't see the gimmick and others choose to ignore the small print but it's there and you better believe the "rich" guy will know what the deal is before buying the TV. It is kind of like that "survival of the fittest" theory. Of course the rich are going to get richer-they are smart with their money, sometimes frugal (sad thought often true). I'm sure you've heard the story about the neighborhood boy selling products for a school trip and the guy at the house with the broken down Chevy buys something but the guy with the Lexus doesn't. It has happened, it is happening, and it will continue to happen. Course we shouldn't group all rich people into money hungry republicans who don't care because there are many nice and generous rich folks. I think we all can agree on the fact that we would all like to have a little more money, or maybe even a lot more. It won't be easy traveling the road to wealth but if you start to invest like the rich people are doing you will be on your way having more money. Question is are you willing to sacrifice a little today to have more tomorrow? Or are you living for today only? In order to invest you will require money. Now, if you have a job or some sort of incoming you are on the right track. The most important thing is to avoid debt and get out of debt. To avoid debt one must resist the urge to impulse buy what you do not need-especially big ticket items like stereos, TV's, cars, computers. Instead, think about what you want, why you want it, and then, perhaps, shop around for a good deal (i.e. research). Now maybe what I said about the rich above makes a little more sense. Another important tip is to avoid spending what you do not have. If you want to buy a $500 color TV on a credit card and don't have $500 in your savings/checking account then wait until you do. Hell, you may even have the $500 cause you cashed your paycheck but will you have the money at the end of the month after you paid the rent and the credit bill arrives? THINK! Because if you don't think smart you will never become smart. The final and all important tip is when you get your paycheck set aside some for investing. Save five, ten or whatever percentage you can afford without going into debt. Take that money and INVEST it-don't put it in a savings or CD account that won't earn you any money; do what the rich people are doing. Nike, Ford, Coca-Cola, Mobil, Motorola, AT&T, and Budweiser are all familiar brand names. They are also companies you can invest in by buying their stock. You can invest in companies individually through stocks or in a variety of companies through mutual funds. Hey, if you feel AMD will have the next greatest product you can invest in them. Buying stocks helps you by increasing in value and helps the company whose stock you buy continue to operate. In fact I work for a company whose sole income comes from investors. Without the investors money I wouldn't have a paycheck. And believe it or not their are a lot of companies like this--many of which are in the biotechnology field. And invest for the long term, not for a couple months. Think about it, but only if you want to have more money. Check out www.netstockdirect.com to find out how you can invest directly into some companies for minimal fees. E-Trade offers cheap online trading (www.etrade.com) for $15 to $20 per transaction. Even if you can only buy a few shares it will be worth the time, effort, and investment. A single share of McDonalds stock in the early sixties ($22.50) is worth over $13,000 today. Hey, it is not magic but rather the power of time and compounding interest. Read "Learn to Earn" for even a better insight into investing and why you should invest. I'm not rich nor do I believe becoming rich will make me a better person. I do have money invested in the stock market (more than I have in the bank) and will continue to invest so long as I have extra money. The stock market can be risky but over the long term it has a proven track record of making people and companies lots of money. Don't just take my word for it, look at the facts. On a closing note it is good to live for today but it is also important to plan for tomorrow. For some investing requires sacrifices but the rewards (in time) will be great. Think about it, Pallbearer =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-= = Questions, Comments, Bitches, Ideas, Rants, Death Threats, etc etc... = = Internet : jericho@dimensional.com (Mail is welcomed) = =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-= = gote land +27.31.441115 = = Arrested Development +31.77.3547477 = = Global Chaos +61.2.681.2837 = = Chemical Persuasion 203.324.0894 Undrgrnd Indust/Inc. 207.490.2158 = = Damnation 212.861.0580 that stupid place 215.985.0462 = = Hacker's Haven 303.516.9969 PheedbacK ----down---- = = E.L.F. (NUP) 314.272.3426 Misery 318.625.4532 = = Dungeon Sys. Inc. 410.263.2258 Psykodelik Images 407.834.4576 = = Paradise Lost 414.476.3181 Black SunShine 513.891.3465 = = underworld_1995.com 514.683.1894 Digital Fallout 516.378.6640 = = PSYCHOSiS 613.836.7211 Bad Trip 615.870.8805 = = Plan 9 716.881.3663 suicidal chaos 718.592.1083 = = Damaged 801.944.7353 The Death Star Bar 805.872.3151 = = Purple Hell 806.791.0747 BloodNet 901.872.8615 = = Atrocity Exhibition 905.796.3385 Phoenix Modernz 908.830.8265 = = The Keg 914.234.9674 = =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-= = Files through Anon FTP FTP.DIMENSIONAL.COM/users/jericho/FUCK = = FTP.PRISM.NET/pub/users/mercuri/zines/fuck = = FTP.WINTERNET.COM/users/craigb/fuck = = FTP.GIGA.OR.AT/pub/hackers/zines/FUCK = = ETEXT.ARCHIVE.UMICH.EDU - /pub/Zines/FUCK = = FTP.DIMENSIONAL.COM - /users/rage/zines/fuck = = Files through WWW: http://www.dimensional.com/~jericho = = http://www.prism.net/zineworld/fuck/ = =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-= = (c) Copyright. All files copyright by the original author = =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=