MkNotes

"A canary in a coal mine" is an advanced warning of some danger. It originates from the times when miners used to carry caged canaries while at work; if there was any methane or carbon monoxide in the mine, the canary would die before the levels of the gas reached those hazardous to humans.

CDC, Center for Disease Control

55% OF AMERICANS LIVE PAYCHECK-TO-PAYCHECK G.E. Miller, Jan. 21, 2019 Actually, that’s inaccurate. 36% are living paycheck-to-paycheck, 19% are actually worse off than that – accruing debt. That means that about 6-in-10 people you pass walking down the street (as they enter clothing stores and bars) are saving absolutely nothing or worse. And only 35% are “certain they could come up with the full $2,000” if an unexpected need for $2,000 came up within the next month (similarly, 40% claimed to have set aside 3 months or more in an emergency savings fund). Sadly, it’s one of the pre-dominant financial memes out there because “spend less than you earn” is often taken as “spend almost everything you earn”. It’s easy to prescribe, easy to follow, and universally understood. IT’S ALSO A RECIPE FOR DISASTER. What happens when you consistently live paycheck-to-paycheck? • You go into serious debt if income stops coming in, and then you pay high interest on that debt • You are always stressed out about financial risk and hardship • You aren’t able to build sufficient emergency savings • You will never save anything for retirement and will be working until death • You will never achieve financial independence • You will not be able to save up for an occasional vacation, home improvement, education, etc. • You really can’t work towards ANY future goals that are reliant on saved assets Earning more does not cure all. It doesn’t have to be this way. Granted, those in the very lowest income brackets are not going to be able to save much, if anything (no matter what McDonald’s PR firm tries to sell us). But the median US household income is $61,372. Outside of West and East coast metros, anything nearing this level of income should be adequate enough to provide a level of savings for most individuals and small families. EVERYTHING IS NOT OK. STOP THE MADNESS! https://20somethingfinance.com/percentage-of-americans-living-paycheck-to-paycheck/

CORONAVIRUS OFFERS "A BLANK PAGE FOR A NEW BEGINNING" SAYS LI EDELKOORT, March 9, 2020 "A QUARANTINE OF CONSUMPTION" "It seems we are massively entering a quarantine of consumption where we will learn how to be happy just with a simple dress, rediscovering old favorites we own, reading a forgotten book and cooking up a storm to make life beautiful," she said. However, the virus was also showing how economic disruption could have environmental benefits, she argued. "The recent pictures of the air above China showed how two months without production cleared the skies and allowed people to breathe again," she said, referring to the fact that carbon emissions and pollution from Chinese industry have declined since the virus first hit the country. "This means that the virus will show how slowing and shutting down can produce a better environment which will surely be visible on a large scale." "I AM HOPEFUL FOR A BETTER SYSTEM" "And this is where I am hopeful for: another and better system to be put in place with more respect for human labor and conditions." Edelkoort, who runs New York City forecasting agency Edelkoort Inc, wrote to Dezeen via email from South Africa, where she is in "self-imposed auto-quarantine" following her lecture at the Design Indaba conference in Cape Town last month. https://www.dezeen.com/2020/03/09/li-edelkoort-coronavirus-reset/

#USAU

Money, get away Get a good job with good pay and you're okay Money, it's a gas Grab that cash with both hands and make a stash New car, caviar, four star daydream Think I'll buy me a football team Money, get back I'm all right Jack keep your hands off of my stack Money, it's a hit Don't give me that do goody good bullshit I'm in the high-fidelity first class traveling set And I think I need a Lear jet Money, it's a crime…

ای خدا ای فلک ای طبیعت شام تاریک مارا سحر کن ای خدا ای فلک ای طبیعت شام تاریک مارا سحر کن ای مادرم ایران زمین اغاز تو پایان تویی بر دشت من باران تویی در چشم من تابان تویی ایران من ایران آن مهر جاویدان تویی ای در رگانم خون وطن ای پرچمت ما را کفن دور از تو بادا اهرمن ایران من ایران من ایران من ایران من ای در رگانم خون وطن ای پرچمت ما را کفن دور از تو بادا اهرمن ایران من ایران من ایران من ایران من https://www.youtube.com/watch?v=IWwsnBPSbE4&feature=share

آوازهمایون شجریان تصنیف ایران من آواز خوانی در شبم سر چشمه ی خورشید تو یار و دیار و عشق تو سرچشمه ی امید تو ای صبح فروردین من ای تکیه گاه اخرین ای کهنه سرباز زمین جان جهان ایران زمین ای در رگانم خون وطن ای پرچمت ما را کفن دور از تو بادا اهرمن ایران من ایران من ایران من ایران من ای در رگانم خون وطن ای پرچمت ما را کفن دور از تو بادا اهرمن ایران من ایران من ایران من ایران من ای داغ دیده باز گو بلخ و سمر قندت چه شد صد ها جفا ای مادرم دیدی و مهرت کم نشد از خون سربازان تو گل گون شده رویت وطن ای سرو سبز بی خزان ای مهر تو در جان و تن ای مادرم ایران زمین اغاز تو پایان تویی بر دشت من باران تویی در چشم من تابان تویی ایران من ایران آن مهر جاویدان تویی ای در رگانم خون وطن ای پرچمت ما را کفن دور از تو بادا اهرمن ایران من ایران من ایران من ایران من ای در رگانم خون وطن ای پرچمت ما را کفن دور از تو بادا اهرمن ایران من ایران من ایران من ایران من در ظلمت تاریک شب مرغ سحر خوان منی در حصر هم آزاده ای تنها تو تنها تو تنها تویی جان منی اینجا صدایی روشن است در اسمان پیچیده است گویی لبانت را خدا روز ازل بوسیده است ای مرغ حق در سینه ات با شور خود بیداد کن اواز خوان شب شکن بار دگر فریاد کن ظلم ظالم جور صیاد اشیانم داده بر باد ای خدا ای فلک ای طبیعت شام تاریک مارا سحر کن ای خدا ای فلک ای طبیعت شام تاریک مارا سحر کن ای مادرم ایران زمین اغاز تو پایان تویی بر دشت من باران تویی در چشم من تابان تویی ایران من ایران آن مهر جاویدان تویی ای در رگانم خون وطن ای پرچمت ما را کفن دور از تو بادا اهرمن ایران من ایران من ایران من ایران من ای در رگانم خون وطن ای پرچمت ما را کفن دور از تو بادا اهرمن ایران من ایران من ایران من ایران من https://www.youtube.com/watch?v=IWwsnBPSbE4&feature=share

* A burnt toast never hurts anyone but harsh words do* Mom placed a plate of bread jam and extremely burned toast in front of a dad. The mom apologized to dad for burning the toast but the dad said: “Honey, I love burned toast.” Later that night, the child asked the dad if he really liked his toast burned. He wrapped the child in his arms and said, “Your mamma put in a long hard day at work today and she was really tired. And besides, A burnt toast never hurts anyone but harsh words do!”

We Play the Game (Alan Parsons) We hold our own We fight to win We stand alone You drink the wine You play the fool You cross the line You lose your cool But no one cares Still no one cares You raise the bar Lost in a trance One bridge too far No second chance But no one cares Still no one cares We play the game We hold our own We fight to win We stand alone You had a dream You cast the dice Your shady scheme You paid the price But no one cares Still no one cares We play the game With hearts of stone You lose again You're on your own A turning tide A streak of light Arms open wide The end's in sight And someone cares Yes someone cares We play the game We hold our own We fight to win We stand alone