The Love Of Learning, The Sequestered Nooks,And All The Sweet Serenity Of Books - Henry Wadsworth Longfellow

“The love of learning, the sequestered nooks, And all the sweet serenity of books” -  Henry Wadsworth Longfellow

Learning is one of the greatest accomplishments of our mind. And even if many associate it with school and studying, there are so many skills and knowledge you can acquire in your free time! Here is just a little “masterpost” of some of the options on the internet.

Languages (you have always wanted to learn a new language?)

How to choose a language

Duolingo

Memrise

French Masterpost by @studenting

German Masterpost by @languageoclock

Mandarin Chinese Masterpost by @floernce

Danish Masterpost by @baernat

Dutch Masterpost by @languagesordie

Finnish Masterpost by @hardluckbones

Greek Masterpost by @katlearnslanguages

Hindi Masterpost by @wonderful-language-sounds

Hebrew Masterpost by @wonderful-language-sounds

Italian Masterpost by @languagegirl

Japanese Masterpost by @somestudy

Korean Masterpost by @somestudy

Latin Masterpost by @learnal

Portuguese Masterpost by @educaution

Spanish Masterpost by @funwithlanguages

Swahili Masterpost by @spraakhexe

Free Courses!!! (you want to educate yourself on subjects you are passionate about? or find something that you love?)

edX

coursera

OpenLearn

FutureLearn

open2study

openculture

Stanford Online

Harvard Online Learning

MIT Open Courseware

Udemy

Khan Academy

Coding (you have always wanted to learn how to code?)

Codeacademy

Khan Academy Computer Programming

HTML5ROCKS

Codeschool

code.org

FreeCodeCamp

codewars

Dash (+ learning how to create a tumblr theme!)

TheCodePlayer

Coder’sGuide

DevsTips

LearnCodeAcademy

TheNewBoston

Creative (you always wanted to paint pretty pictures, take beautiful photographs, start a fashion blog or practice your calligraphy skills?)

Learn How To Draw

Color Theory

Graphic Design Basics

Fashion Blogging

Beginners Acrylic Paint Course

Acrylic Paint Strategies

Calligraphy Beginner

A Beginner’s Guide To Modern Calligraphy

Learn Calligraphy

The Ultimate Graffiti Guide

Photography Basics

How To Keep A Diary And Stick To It

Scrapbooking For Beginners

Writing Apps Extensions And Websites by @uglystudies

Writing Resources by @wordsnstuff

Miscellaneous (the suns, solar systems, stars and moons? playing the guitar, the piano?)

Space And Astronomy Masterpost by @thescholarlysquad

Microsoft Excel Tutorial

Absolute First Beginner Acoustic Guitar Lesson

Piano 101

CrashCourse

How To Create Music In Minutes (Fruity Loops Free)

found this gem in the 1996 Cornell Women’s Handbook. it’s what to say when a guy tries to get out of using a condom

alcoholic beverage breakdown

Could you please give a list of the harshest things that you think we (general population of women trying to improve on themselves) need to hear

This post is part of my Tough Love Tuesdays series where followers send me their problems and receive a stern kick in the butt. They specifically asked for extremely harsh answers, so if you take offence to this or it makes you feel sensitive, then you need to keep scrolling because it is not directed at you, nor are you the target audience. They don’t want to be coddled, they don’t want sugar coating, they don’t want beating around the bush. They want painfully tough love.

The absolute overwhelming majority of men prefer women who are at a healthy weight.

Hypersexuality does not solve your problems, it's actually probably causing many of them.

A lot of you got useless degrees (from a financial standpoint) that put you several thousands of dollars into debt and got you a job that hardly lets you live a comfortable middle class life. Is that really something to flex?

A lot of you are extremely insecure and need constant validation, but you hide behind a facade of “I’m a bad bitch” as a protective mask.

If you want marriage and children, then spending years and years and years of your fertility window and most desired ages of attractiveness (in the eyes of men) not prioritizing marriage and children is an odd choice, wouldn’t you say?

Adding on to that, if you want marriage and children, there’s no need to pretend that you would be 100% perfectly fine and happy if it doesn’t happen for you. It’s okay to admit that you want it.

Your inability to take accountability for your bad choices in life is leading you down a path of destruction.

Far too many of you have placed yourself in an echo chamber that only promotes the idea that because you are a woman, you are 100% perfect exactly the way you are and you never need to change or grow or improve or better yourself in any way. They are lying to you <3

Not everyone suits the insta baddie look and there are other ways to level up physically besides going for that look.

A lot of the “men ain’t shit” crowd are women who ain’t shit and allow their terrible personalities and behavior to attract men who are mirrors of them.

Your mother caused you a lot of mental health problems. I can see that you are gearing up to keep that cycle going with your own daughters. Stop it. Get some help.

Your son is not your husband. Your daughter is not the second mom of the house.

Being a young single mother/baby mama actually is a big deal and you can’t be upset that it impacts you on the dating market.

Many people nowadays will not be financially secure enough to retire when the time comes. You NEED to start putting your money to the side now, before it’s too late.

Some of you need to finally admit that your weight is where it’s at solely because of you and your diet.

You claim that you don’t have time to do helpful self-improvement things for your life, but if I were to monitor you for a week, it’d be obvious that it’s a lie. You just don’t want to make the time for it.

At some point, you’re gonna have to ditch the vices you use to cope and finally start the healing process.

Many of the things on your list of requirements for what you want from a man point to the sum of a man who doesn’t exist. Your desires are fictitious.

Yes, your looks matter. A lot. Always have, always will.

Your inability to practice long term self-discipline is why your life is the way it is.

✨HOW TO BECOME A WEALTHY MIDDLE-AGED MAN✨

PT.2: Overview to understanding different saving/retirement methods, investments, and forms of income

2.1 Savings and Retirement

Welcome lovelies to (what I hope will be) a helpful series on gaining wealth and becoming financially literate and independent!

*disclaimer: while this advice can generally apply to many it will not apply to all. Everyone is in a different situation and should do their own research before they take what ANYONE says as fact or law. This is also coming from the perspective of a young, biracial, first generation female business student following a hypergamous lifestyle and who does sw so some advice may be specific to my like-minded ladies, but for the most part I just love money and want to help others find joy in their wallets as well. I am also operating in the US so things regarding accounts, stocks, and certain laws will vary by your country. Also, this is just a fun thing I wanted to do because talking about leveling up and learning and growing and money are my favorite past times. None of these pictures are mine, however I am using some links which may compensate me in some way, but I only used links which were mutually beneficial and would help you gain something as well, they are still just actual sources I use for myself.

✨THINGS TO KEEP IN MIND✨

Financial independence is different than financial confidence.

Financial Independence: “The most common sense of the term is that someone has enough wealth to live as they wish for the rest of their life without having to work.” -Investopedia https://www.investopedia.com/financial-edge/0611/declare-your-own-financial-independence-day.aspx

Financial Confidence: “We define financial confidence as having three aspects,” says Miler. “The first is awareness of how money can be a tool for helping you reach your goals and dreams. The second is financial literacy and understanding economic factors. The third is trust and knowing where to turn for financial advice.” -Forbes https://www.forbes.com/sites/shelleyzalis/2018/06/16/women-money-8-steps-for-growing-your-financial-confidence/?sh=2175b65e2468

While the ultimate goal is financial independence, financial confidence should be the main focus. I’ll give an example why. Imagine there are two people: Rhonda and Jill. Both of them like nice things, love to shop, and participate in the occasional splurge. Rhonda works a regular 9-5 and has a decent salary. She doesn’t have much financial knowledge (translation: financial confidence), but she has a savings account at her local bank and puts a couple hundred into retirement each year and she thinks that’s enough. Suddenly, Rhonda wins the lottery. Overnight she has become a millionaire, so she quits her job, moves to LA, and goes on to live life to the fullest. She would now be considered financially independent. However, Rhonda has no idea how to manage all that money. She puts a small amount into that bank savings account and takes the rest to do what she will. One day she tries her luck at a casino, in less than five hours she has lost all of her money and has to start back at square one with no job, only a few thousand to get her through, and no-good way to explain to employers that she just wasted the last 5 years spending money on handbags she now has to sell at a depreciated value. (BTW you would not last not working with only a million dollars in LA for that long)

Now, let’s look at Jill. Jill is an independent contractor and has a relatively steady income. She knows very little about finances, but she actively learns how to manage what she has and keeps up to date on the latest money news. The day that Rhonda won the lottery was just another Thursday for Jill, the only unique point for her was that she opened a savings accounts with a high APY (we’ll say 1%) and put in $5000.00. A little later she also opened a Roth IRA and puts in the maximum yearly allowance of $6000.00. Along the way she opened a brokerage account of her own and started trading in the stock market along with investing in real estate which has given her some extra income to play with each year. Unfortunately, another housing crash occurs, and all of the money Jill invested into real estate is gone. However, since Jill learned the skills behind her choices early on, she is knowledgeable and understands the ups and downs of the market and how to invest her money in other places in the meantime. And, that High yield savings account accrued around $50 more without her doing anything and she has that to fall back on, or worst case she can take out part of her principal Roth IRA contribution. 10 years from now Jill should start to see a steady increase in her Roth IRA that by retirement will be a little over 1 million and she should be comfortable and invested enough into stocks that she gains around $200-1000 extra each month.

I think you understand why you want to be Jill.

✨HAVING ADEQUATE SAVINGS = BEING YOUR OWN LIFEGUARD✨

As discussed in Pt.1 the first goal you should achieve is securing an emergency fund that could sustain you for a couple of months if things were to ever hit the fan, and starting a retirement fund should be in your top 5 goals to complete. The saying, “the rich get richer” is popular for a reason. Wealthy people know how to make their money work for them instead of them having to work for money. An easy way anyone can do the same is by opening the right accounts for your savings and retirement.

Savings: 

All of your savings should be in a high yield saving account or split between different high yield accounts. This is an account which will reward you some interest every period for having money in your account with them. This is incredibly easy to do. You can either research/ask your bank about their high yield accounts or do some googling to find some other bank. Then transfer your money and there you go! When looking at banks understand that the highest Annual Percent Yields (APY), or the interest they will reward you, are going to be from online banks because they have less operational costs than a brick and mortar, but they will also come with their own disadvantages, like less ATMs to access or the inability to use when outside of your country so make sure to look into that. IMPORTANT: Make sure that whatever bank you choose is FDIC-insured so if the bank were to ever collapse or lose your money you have insurance up to $250,000.This won’t generate a lot of extra cash, but an extra $20 every year is better than $0.

Retirement:

These accounts usually go by your current situation and what you see for your future.

401K: Probably the most known (I believe it’s only in the States but there might be something close to it in other countries) and that’s just because this is what employers usually offer if they offer anything. It is a retirement fund that your employer will set up and you can predefine how much of your paycheck you want to automatically go into it every time. Sometimes, the employers will also have a match program, and if they do you better max out the money they will contribute because that is FREE money! Most advice that I have seen has said to really only focus on this fund if your employer has that match program, otherwise I would focus on one of the accounts below. https://www.investopedia.com/articles/retirement/08/401k-info.asp

IRA: An IRA stands for Individual Retirement Account. There are three kinds…

                         Traditional: This IRA lets you put in pre-tax money and lets it grow tax-free until you make a withdrawal. Once you make the withdrawal that money is taxed at the current rate of your income at the time. Your contributions are tax deductible so you can write them off of your taxable income of that year. There are limits to how much you can contribute depending on your income, status, and whether you have another retirement fund as well.

                          Roth: With this IRA your contributions are taxed, but when you withdrawal money later on it is tax free. For those of you in a lower tax bracket than you believe you will be in the future, this IRA makes the most sense as you will pay less taxes now than you will when you are 59 ½ (The official age of retirement in the States). There are limits to how much you can contribute depending on your income, status, and whether you have another retirement fund as well.

                           SEP: Simplified Employee Pension. This is also an employer-based plan and may also work better for my self-employed gals out there. I don’t really know a lot on this one so I’ll just leave a link you can look into if it interests you: https://www.investopedia.com/ask/answers/102714/how-does-simplified-employee-pension-sep-ira-work.asp

You can have both a traditional and Roth IRA as long as you are eligible for both. Anyone with earned income (with a job or can prove a steady income) can contribute to a Traditional IRA, however with a Roth IRA, as a single you can earn up to $139,000 and contribute. Personally, if you are just getting started with all of this just set up one IRA and as you learn more you can take steps to get another or switch accounts.

https://www.investopedia.com/retirement/roth-vs-traditional-ira-which-is-right-for-you/

There are a plethora of other accounts, but they are more specialized and the top four should get you started on the right path to saving for retirement. I’m guessing that the majority of the audience reading these are women between the ages of 20-30. Trust me when I say that I love to spend money as much as the next girl, but I also would like to be completely comfortable should anything happen in my older years that screws up my marriage or job, and no one is going to secure that for you.

Also, I’m sorry this is so US-based, but once again it is all I know. I believe IRAs are more widespread than a 401K, but all that takes to find out is a Google search on your part.

Either way, make sure you have a plan going into 2021 for your savings and retirement because this economic whirlwind is far from over and there is always a chance for another recession, depression, or disaster. (Wow O, way to keep the mood light)

This was getting way too long with the investments added so look out for Pt.2.2 on the overview for investments (where the actual fun begins and I can stop being such a stick in the mud)…

VOCAB TO KNOW/RESEARCH:

Financial independence

Financial Confidence

APY

Roth IRA

brokerage account

High yield savings account

principal

401K

Traditional IRA

Once again… if in these posts I ever give bad advice, F- something up, or am just generally ignorant PLEASE call me out! Remember that just like you I am a young woman figuring everything out and while I am confident when talking about money, I am by no means a genius (only in spurts) so any chance to learn I appreciate. I hope you all learned something new today and as always…

With Love,

O

7 Steps to Creating Your Higher Self Persona.

Whether you want to create a sugar baby persona, a more confident version of yourself, or are just bored and want to revamp your life, these are the essential steps to doing so. I would recommend being as detailed as I was in my “ideal high-value man” list.

IG @glo.guidance

Apply for the 7-Day Reinvent Yourself Program & Private Membership Here