Financial Advice: Investing?

For Beginners

Investing For Beginners | Advice On How To Get Started

*have an emergency fund
*see Now You Know: How to prepare for “financial hard times” ? goodnewseverybodycom.wordpress.com

Short-term

Best Places To Invest Your Money For the Short Term – YouTube

Age Factor

Here’s How You Should Invest at Every Age BY BARBARA FRIEDBERG Updated May 23, 2019 .thebalance.com
What Should Your Portfolio Look Like in Your 30s, 40s, and 50s?
“..The younger you are when you begin investing, the more time you have for your initial investments to grow and increase your personal wealth. There are certain investments you should make during each decade of your adult life to take advantage of the power of time.

Saving for retirement—especially starting at an early age—is a good idea and almost always beneficial. However, investing does come with risks that are important to understand…”

My $3.5 Million Stock Investment Portfolio 💰 How I Generate $8000 Per Month Passive Income

Real Estate

REIT

Real Estate Investment Trusts for Dummies

The 5 Best Real Estate REIT ETFs of 2019 investopedia.com
“..

With a REIT, investors buy shares and get paid dividend distributions—reaping a total return based on the amount they have invested. Although the returns are less than, say, owning an entire building and reaping all the income from it, the risk is lower as well. A REIT ETF invests in several property-owning real estate companies at once, and of course, this diversification further mitigates an investor’s exposure—whereas the individual buying a property is betting on just that one property. Plus, it offers a chance to get into real estate without having to become a landlord or a partner in an investment group.
..”

Introducing eREITs – The First Online Real Estate Investment for Everyone fundrise.com
“..In 1960, Congress passed a law creating Real Estate Investment Trusts (REITs) to give average individuals the opportunity to invest in income-producing commercial real estate…”
*click on my (Sal) referral link -> https://fundrise.com/r/7n57r8

5 Reasons to BUY NOW | REITs (Real Estate Investment Trusts)

Our Rich Journey
Published on Jul 11, 2019
▸▸▸Like our channel? Please consider supporting us at: https://www.patreon.com/OurRichJourney

5 Reasons to BUY NOW | REITs (Real Estate Investment Trusts): We’ve been investing in REITs (Real Estate Investment Trusts) and we think you should consider investing in them too! We’ve have incredible returns with our REITs over the past several years. In this video, we discuss what REITs are, what they invest in, the different types of REITs, our recommended REITs, and the top five reasons why we think REITs are good investments to add to your stock market portfolio. Thanks for watching!

Are Real Estate Investment Trusts a Good Investment?

Retirement

How This Tiny Startup is Disrupting the $27-Trillion Retirement-Planning Industry article.smartasset.com
Get Smart with Your Assets

Terms of Use | Privacy Policy | About Us

© 2019 SmartAsset
“..

SmartAsset is a personal finance technology company that features a financial advisor matching service. Financial Advisors who appear on SmartAsset are from companies with which SmartAsset receives compensation. SmartAsset takes into consideration wealth and location to determine how to match users with advisors. SmartAsset doesn’t include the entire universe of Financial Advisors…”

IRA

Roth IRA 101 daveramsey.com

12 Best Roth IRA Accounts of July 2019 nerdwallet.com
“..We’re here to help. Every year, we evaluate major U.S. online brokers and robo-advisors to select the best Roth IRA account offerings. Our favorites are below. (Note: The star ratings on this page are for the provider overall. Some brokers with a lower overall rating are included here because IRAs are where they excel.)..”
*thrivent 3.049 shares $16.40 price =$50 purchase
e-trade $6.95/trade

Best Places To Open A Roth IRA
Last modified by Jeff Rose on April 4, 2019 goodfinancialcents.com
“..Popular Investment Firms Who Offer the Best Roth IRA Accounts of 2019:
Ally Invest Top All Around
M1 Finance Free Stock/ETF Trading
Betterment Best: Beginners & Hands-off
Lending Club Best: Non-Stock Options
USAA Best: Military & Family
TD Ameritrade Best: Brick and Mortar
E*TRADE Best: Overall Services
Wealthsimple Automated Management
Firstrade Best: Low Fees
Ellevest Best For Women
Charles Schwab Full Service Brokerage..”

Best Places to Open a Roth IRA Account cashmoneylife.com

Retirement Income Calculator

Master Your IRA (Advanced IRA Strategies) S.5 | Ep.5

Best Roth IRA Rates (GoodFinancialCents.com)

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“Disclaimer: No part of this site is intended to solve, help, or be an answer to any problems or life challenges. Nothing on this site is to be construed as financial advice; the authors are not financial advisers. Please discuss your personal finances, including any options or ideas you may read on the internet (on this site or others) with your personal, qualified financial adviser before making changes to your financial lifestyle. We are not responsible for any adverse outcomes associated with using or misconstruing advice or information on this site. THANK YOU for stopping at our site! May you find what your looking for and “God speed” to good financial health and prosperity!”

Deep Thought: Financial Advice- House Mortgages

7 Easy Ways to Pay Off Your Mortgage Early daveramsey.com
“..You can join the ranks of debt-free homeowners and make your last mortgage payment sooner rather than later with these seven easy ways to pay off your mortgage early!..

The only type of debt Dave won’t yell at you about is a 15-year fixed-rate mortgage with a payment that’s no more than 25% of your take-home pay. You’ll pay much more in interest on a 30-year mortgage—and, besides, who wants to be in debt for 30 years?

You can refinance a longer-term mortgage into a 15-year loan. Or, if you already have a low interest rate, save on the closing costs of a refinance and simply pay on your 30-year mortgage like it’s a 15-year mortgage. The same goes for a 15-year mortgage. If you can swing it, why not increase your payments to pay it off in 10 years?..”

Pay Off Mortgage Early or Invest? #AskTheMoneyGuy

Should I Pay Off My House Mortgage or Invest the Extra Money?

Should You Pay Off Your Mortgage Before Retirement or Invest? An Expert Weighs In!

Sixty and Me
Published on Aug 8, 2017
There are so many financial decisions to make in the years before retirement.

One of the most important of these questions is whether to focus on paying off your mortgage or investing more in bonds, stocks and other investments.

If you are thinking about paying off your mortgage… or you just want to get more from your money in retirement, this interview is for you!

Fortunately, financial ex…

How to pay off a 30 year home mortgage in 5-7 years

*don’t let your money sit on savings in low interest growth, don’t get on the “cycle” after refinancing and go back, get aggressive!

How to Pay Off your Mortgage in 5-7 Years (Real Estate Investing)

Credit Score?

Can paying off your mortgage hurt your credit score? By Brady Porche | Published: February 27, 2017 creditcards.com
“..In most cases, paying off your mortgage does not help or hurt your credit score in any significant way. It could have a small negative impact if the mortgage was your only installment loan, according to the credit reporting agency Equifax’s website. After all, “credit mix” accounts for 10 percent of FICO’s traditional credit scoring model. But if you never missed a payment over the life of the loan, that could offset any points lost due to the loan falling off your credit report…

If you retain a good score or gain points after paying off your mortgage, chances are you have other trade lines with long, unblemished payment histories. Payment history and length of credit history account for 35 percent and 15 percent of your FICO score, respectively. What’s more, if you never missed a payment on your closed mortgage, that positive information will remain on your credit report for up to 10 years….”

Elderly

Pay Off Mortgage Or Keep Cash? – YouTube

Good News Financial
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Now You Know: How to prepare for “financial hard times” ?

Sal: I was laid off back in 2009 during the “economic recession”, which I learned to be more “frugal” (e.g. buy what was necessary instead of buying what I “wanted”). I learned some “life style changes” that I apply now..

*see Financial Advice? goodnewseverybodycom.wordpress.com

Debt?

Dave Ramsey’s 7 Baby Steps Review: Is This A Debt Management Plan You Should Try? By Peter Anderson 57 Comments biblemoneymatters.com
“..Before The Baby Steps: Making A Decision To Change

Before you even decide to head down the road of using or exploring the 7 Baby Steps, I think it’s important to point out just how key it is that you sit down, talk with your significant other (if you have one), and actually make a decision that you want to change.

A lot of people talk about how to change their financial lives, but never touch on the fact that if you or your spouse isn’t ready to change, it isn’t going to happen. You have to want to change…”

Dave Ramsey’s 9 tips to get out of debt – YouTube

Savings

How To Save $2,000 Fast Without Making More Money

Minority Mindset
Published on Jun 22, 2018
How To Save $2,000 Fast Without Making More Money
0:14 – Saving your money will make you broke because your money in the bank is losing value to inflation
0:35 – The only reason you should be saving your money is to invest and to save for your emergency fund
1:08 – Start by saving minimum of $2,000 for your emergency fund
1:41 – Write down how much money you make and your expenses
2:27 – Save $2,000 as fast as possible so you have to cut out the things you don’t need
3:51 – Stop over paying for your bills so you can save the extra savings
5:09 – Stop having expensive fun until you have started saving money and have a savings cushion

The 7 Best Places to Put Your SavingsBy Jean Folger | Updated September 29, 2017 — 6:00 AM EDT investopedia.com
“..Money that is considered savings is often put into a low risk, interest-earning account, rather than into higher risk investments. Although there is opportunity for larger returns with certain investments, the idea behind savings is to allow the money to grow slowly with little or no associated risk. The advent of online banking has increased the variety and accessibility of savings accounts and vehicles. Here are some of the different types of accounts so you can make the most of your savings.

1. Savings Accounts
Savings accounts are offered by banks and credit unions….”

Credit Unions vs. Banks: What’s the Difference? .thestreet.com
“..The bottom line is that banks are for-profit institutions, while credit unions are non-profit. Credit unions typically brag better customer service and lower fees, but have higher interest rates. On the contrary, banks generally have lower interest rates and higher fees. Banks, on the other hand, often have higher fees but more convenience regarding location, technological efficiency, mobile access, and rewards programs…”

Banks vs. Credit Unions: What’s the Difference? – 2 Minute Finance
https://youtu.be/rfHyQ-8eLC4
2minutefinance
Published on Oct 28, 2011
Thinking about moving your money out of a big bank and into a local credit union? Get the low down on their differences in this two minute video.

For more information and resources, visit our website at http://www.2minutefinance.com. Also, find us on Facebook (Facebook.com/2MinuteFinance) or Twitter (@2MinuteFinance).

Students

Finding the Best Student Savings Account in 2018
“..Student savings accounts are meant to help those in school grow their increasing income long-term and learn about financial responsibility. To ensure that you find the best savings account for the student in your life, we’ve laid out the top student savings accounts for prospective account holders looking for specific account benefits…”

Investing

How to Invest $100 [for 2018] 💵 | Investing for Beginners When You Don’t Have a Ton of Money

Investors with Credibility
*see Financial Advice: Investing? goodnewseverybodycom.wordpress.com

Warren Buffett – The World’s Greatest Money Maker

TradingCoachUK
Published on Nov 1, 2014
Warren Buffett is the greatest investor of all time. His decisions about buying shares and companies have beaten the stock market year after year and made him the richest person in the world – thought to be worth 37 billion dollars.

Yet Buffett lives modestly in his native Omaha, in America’s mid-West, and runs his 150 billion dollar business with a staff of just twenty.

He talks to Buffett’s family, friends and colleagues about the man they call the Sage of Omaha, and Buffett’s friend Bill Gates praises his philosophy of life.

National Savings Day nationaldaycalendar.com
“.. sets aside October 12 to recognize those who value the act of saving and to provide simple steps to show getting started isn’t as difficult as it may seem.

Many of us already save every day. We’ve been doing it for a long time. We collect sentimental items because they mean something to us and they evoke emotion. These objects come in all forms. It could be a treasured baseball glove your dad played catch with you; an engagement ring passed down through generations, or boxes full of t-shirts representing years of concerts. We save lots of things for extended periods of time, and they accumulate quite well…”

Moody’s Manual moodys.com
“..is a​n e​sse​ntial component of the global capital m​arket​s, providing credit ratings, research, tools and analysis that c​ontribute to transparent and integrated financial markets. Moody’s Corporation (NYSE: MCO) is the parent company of Moody’s Investors Service, which provides credit ratings and research covering debt instruments and securities, and Moody’s Analytics, which offers leading-edge software, advisory services and research for credit and economic analysis and financial risk management. The Corporation, which reported revenue of $4.2 billion in 2017, employs approximately 12,300 people worldwide and maintains a presence in 42 countries. Further information is available at http://www.moodys.com…”

Financial Collapse History

Future?

Is a global recession around the corner? Mike Bebernes 5 hours ago (8.19.19)yahoo.com
“..Is a global recession around the corner?
Mike Bebernes 5 hours ago
Reactions Reblog on Tumblr Share Tweet Email

The 360 shows you diverse perspectives on the day’s top stories.

What’s happening:

After a decade of sustained growth, the global economy largely recovered from the Great Recession. A number of indicators, however, are raising concerns that a contraction may be coming soon.

Several of the world’s biggest economies are showing signs of trouble, experts say. The world’s two economic leaders — the U.S. and China — are each feeling the pain from an ongoing trade war that could drag on for months, if not years. Last week, the U.S. showed an “inverted yield curve,” a complex financial metric that has occurred before each American recession since the 1950s.

The economies in Germany, Brazil, Italy, Mexico and a number of other countries are also showing vulnerabilities, experts say. The uncertainty is exacerbated by fears of the potential financial fallout that could happen if the United Kingdom leaves the European Union in October without first reaching a deal on the terms of its departure.

In general, an economy is considered to be in recession when it posts two straight quarters of declining gross domestic product. Some governments use their own more nuanced measurements to formally declare that their country is experiencing a recession..”

Collapse of 2008

The 2008 Financial Crisis: Crash Course Economics #12 – YouTube
https://www.youtube.com/watch?v=GPOv72Awo68
*gov’t loans to banks make their spending not wise

The real truth about the 2008 financial crisis | Brian S. Wesbury | TEDxCountyLineRoad

TEDx Talks
Published on Dec 3, 2014

This talk was given at a local TEDx event, produced independently of the TED Conferences. The Great Economic Myth of 2008, challenging the accounting to accounting principal.

Brian Wesbury is Chief Economist at First Trust Advisors L.P., a financial services firm based in Wheaton, Illinois.

TARP Bailout Program- Did TARP Help You or the Banks? BY KIMBERLY AMADEO Updated November 15, 2018 thebalance.com
“..On October 14, 2008, the Treasury Department used $105 billion in TARP funds to launch the Capital Purchase Program. The U.S. government bought preferred stock in eight banks. They were Bank of America/Merrill Lynch, Bank of New York Mellon, Citigroup, Goldman Sachs, J.P. Morgan, Morgan Stanley, State Street, and Wells Fargo…

In December 2018, President Bush agreed to use TARP funds to bail out the Big Three auto companies. Auto execs warned that the General Motors Company and Chrysler LLC faced bankruptcy and the loss of 1 million jobs. The $80.7 billion bailout lasted from January 2009 to December 2014. Treasury recouped all but $10.2 billion.

Why TARP Was Needed
Fifty-eight percent of Americans said TARP was not needed. But TARP’s purpose was to stop the panic that consumed Bear Stearns, Lehman Brothers, Fannie Mae, Freddie Mac, and AIG. Without government intervention, the bankruptcy of those companies would have led to many more.

Most Americans have never heard of the Reserve Primary Fund. They weren’t aware that on September 16, 2008, they were weeks away from a total economic collapse. If that ultra-safe money market fund had gone bankrupt, trucking companies would run out of cash to pay their employees. Grocery stores would have gone empty within weeks. Without a $700 billion government guarantee, the financial system would have collapsed. The rest of the economy would have gone w..”

Panic: The Untold Story of the 2008 Financial Crisis – FULL EPISODE | VICE Special Report | HBO

*see Deep Thought: How much to “give”? goodnewseverybodycom.wordpress.com

#healthfitnesslifeguy

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“Disclaimer: No part of this site is intended to diagnose, treat, or cure any illness. Nothing on this site is to be construed as medical advice; the authors are not doctors. Please discuss your personal health, including any options or ideas you may read on the internet (on this site or others) with your personal, qualified health practitioner before making changes to your diet or adjusting/discontinuing any medication. We are not responsible for any adverse outcomes associated with using or misconstruing advice or information on this site. THANK YOU for stopping at our site! May you find what your looking for and “God speed” to good health and prosperity!”

Financial: Advice to Seniors-Elderly-Retiring?

What to do after Retirement?

Financial Security for Seniors with Bank On Yourself

Dave Ramsey: “Work”, Go to “low-turn” over “mutual fund”. “Walk daily with the Prince of Peace…Christ Jesus”

Suze’s Favorite Retirement Plans | Suze Orman – YouTube

401K (22K max) > Roth IRA (can take out anytime w/o any penalties..max 500) > Traditional IRA

Pension

How To Value My Pension? – YouTube

Before Retirement

How Much Retirement Do I Need? – YouTube

Seniors to Seniors: Advice From Retired Professionals – YouTube

Retiring right on $3,500 a month

Retiring by 55?

Three Ways to Retire by Age 55

Don’t Waste Your Money: Why retiring at age 55 or 60 can be very costly

Retiring by 40?

I Want To Retire At 40 So I Don’t Have To Work – YouTube

Professor Savings professorsavings.com

Hobbies-Leisure-“Active”

Retiree Tips: Pursuing Life After Retirement
https://youtu.be/nr84FnEU6Eg
“..After retiring, he went back to college as an adult. While he didn’t have specific goals in continuing his education, his love of storytelling led him to creative writing. ..”

Caregivers-Children

Caring for Elderly Parents While Keeping Your Money on Track daveramsey.com

GLOBAL

The Retirement Trap | Al Jazeera World

Financial Advice? goodnewseverybodycom.wordpress.com

Good News Elderly
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How to “fight” all the sexual temptations in this world?

Sex is everywhere (e.g. media), which one can’t avoid nowadays unless you live in a “enclosed” bubble…

Subliminal Messages Are Everywhere! With Scientific Studies In Description


“Uploaded on Nov 15, 2009

Documents and studies of mass subliminal manipulation and mind control:…

…By Rifleman0007
Mind-altering messages are everywhere – media, press, every-day pictures. The purpose of those is to implant certain pleasurable messages into your subconscious mind, associating them with products. Then out of nowhere you feel a need and pleasure for that particular product, have strange thoughts out of nowhere, or feel urgent need to buy/get something…

Pornography

-Suggestive Immoral Ads

Life Is Short. Have An Affair.
Posted: 07/21/2015 2:22 pm EDT Updated: 25 minutes ago huffingtonpost.com

What other ways the “media” brainwashes us through these subliminal “sexual messages?

Good News Mind
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How to “fight” it? I decided to do this blog after having an interesting conversation with a “married” friend of mine. She told me the struggles and how she’s having a hard time. I’m no expert, but I can share my own personal tips.

First, one needs to constantly meditate in something “positive” (e.g. God’s Word) daily. If you any questions about how to do this, feel free to contact me. I try to do this morning and evening. I also “try” to remember to daily “put the Armor of God” (e.g. when your dressing-up for the day, just imagine it)….

http://prayer.goodnewseverybody.com/intercessory.htmlThe Armor of Godhttp://www.biblegateway.com/passage/?search=ephesians%206&version=NIV

Got any of your own personal tips to share to help “us” fight this together?

Good News Sex
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Defensive Driving Stories

When driving, do you think about the people close to you or the people around you? I think this is a perspective all drivers need when behind that wheel…

DefensiveDrivingPt1WS2015

  • Top 10 Driving Distractions Involved in Fatal Car Crashes
    April 4, 2013 claimsjournal.com
  • “Of the more than 65,000 people killed in car crashes over the past two years, one in 10 were in crashes where at least one of the drivers was distracted. That’s according to police report data analyzed by Erie Insurance in the Fatality Analysis Reporting System (FARS), a nationwide census of fatal motor vehicle traffic crashes maintained by the National Highway Traffic Safety Administration….

  • Police To Crack Down On Distracted Drivers

    April 14, 2015 8:11 AM minnesota.cbslocal.com

  • “MINNEAPOLIS (WCCO) – Police across Minnesota are stepping up enforcement this week against distracted drivers.

    The Minnesota Department of Public Safety said most accidents are caused by drivers using cellphones, GPS navigation, music controls or eating and drinking.

    While it’s legal for most drivers to talk on the phone while driving, it’s against the law to use the Internet or send texts or tweets, even if stopped at a light or stop sign.

    The state estimates there were 3,200 texting-while-driving citations issued last year

    Fines can range from $125 to $145 depending on the county. “

  • The 6 Most Common Causes of Automobile Crashes
    by http://www.SixWise.com
  • DefensiveDrivingPt2WS2015

    Environmental Challenges

    Work Zones

    Driving Through Road Construction – YouTube

    Traffic Conditions

    -Deer
    *see Driving Stories: Almost hit a deer…again! goodnewseverybodycom.wordpress.com

    What to do if you see a deer while driving – YouTube

    Passenger killed after SUV hits deer in east metro kare11.com

    “…The Minnesota State Patrol says 56-year-old Jody Rae Bergsgaard died around 5:30 p.m. on Highway 36 and Edgerton in Maplewood after the vehicle hit the deer, careened across both lanes of the highway and crashed into a ditch..”

    Good News Automobile
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    Ways to deal with Bullying as a “former” victim and bully too

    I was bullied for various reasons growing-up while attending Battle Creek Middle School from 6th to 8th grade.
    It wasn’t such a big topic in the media back then, so I never thought of it much. I thought it was just part of life and didn’t see it as a social epidemic as it is covered in the media now. As I hear stories of bullying, I feel like what I went through was really nothing compared to the serious violence and abuse (both mental and physical) victims goes through nowadays.

    Here are some “lite” stories of bullying I went through:

    When I used to deliver newspapers for the local paper in St. Paul (Pioneer Press Dispatch), I hated going through certain parts of my neighborhood after school. Living by the middle school, kids would be coming out of school in groups and would walk by my route. I would find a particular “safer” route as I did it more, but when I first started, I ran into some really obnoxious peers at the time. For example, one time when I was delivering newspapers (PM edition), some group of kids started yelling “gook” or “chink” at me. They then would do the infamous popular “kung-fu”/”karate” moves at me. Being a “smaller” boy at the time and being one individual, I didn’t have a chance to fight them back. At the time, I reflected on some friends/neighbors (Vietnamese-Another neighbor and I loved watching Bruce Lee movies growing-up!) that offered my dad to have my siblings and I to learn Karate from them. During this and other times of being bullied, I wished my dad took the offer as I would’ve used karate on them! I just continued walking away and ignored them. I look back and wondered if I did know karate, what would’ve I’ve done. I had a lot of anger issues (due to family up-bringing and all the social pressures during that stage of my life) and probably would’ve got myself more in trouble!

    Deep Thought:

    However, I can’t imagine if I was the opposite-taller and built. They probably would’ve not even said anything like this and would be intimidated or just ignored me. What causes a group of people to team against or oppress an individual the deemed as “weaker” or “lesser”? Doesn’t this occur even amongst adults? (e.g. politically, religiously, economically, racially/ethnically, etc…) Sorry, getting too deep here, but what motivates one(s) want to “pick-on” another/other individual(s)? You hear it’s because a “bully” got “abused” (physically/mentally) by someone older (e.g. parent). Does this give them the reason to do this?

    Is this the reason why movie goers are very fascinated with movie characters (e.g. Harry Potter, Marvel Comic Heroes, etc..) with special “powers”. I’ve heard from younger folks that they wished they had “special” powers and they would’ve used it on their “bullies”.

    Another story was in the classroom at the school. I remember it vividly as it’s been a scar or was a traumatic experience at the time. I was sitting in a science class (Physics) and the teacher was gone. Several known “bullies” of mine started “gleaking” (lightly spitting) at me. Being a “passive-shy-weakling” at the time, I pretended to ignore them and just took it. What could’ve I done, stand-up and fight the taller-bigger guys than me? I was outnumbered!

    Being “Asian”, I was stereotyped as a “bookworm” and I was a studious guy (ey, I got to college on a full-ride scholarship, so it paid off ;)) A friend (taller than me) and I were heading out after school ended. While I was heading to my locker, this “bigger-taller” boy closed my locker and told me to do his homework. I had some “boldness” (learned from watching t.v., like “Saved by the Bell“-I didn’t want to be like Screech-lol!) in me, so I told this guy “no”. He probably wasn’t expecting this, so he actually pushed me against the lockers and demanded that I do this. Fortunately, my “taller” friend stood-up for me and told this “bully” to leave me alone. Unfortunately, this “bully” was bigger than my friend, so this “bully” pushed him too against the lockers. I was very thankful for my friend and was more focused with gratefulness of my friend doing this for me than the “terror” of this bully. We were both shoved to the lockers so loudly that one of my teachers came out of his classroom wondering what all this noise was about. Fortunately, we were both “saved” by this “bully’s” rapture as we both walked out of school “safely” that day.

    Due to my “multicultural” looks, I would be teased with various racist remarks. During the Persian Gulf War, a “friend” would tease me that I “looked like the enemy” (Arabic). This would go on even through college and beyond, which I grew to have a very lose self-esteem and was self-conscious about my “physical features” in various places. Due to this remark “way back then”, it effected me when 9-11 happened after my college years. I haven’t shared this with many people, but when 9-11 happened and watching on the news of “Arabs” or “Muslims” that “look-like” the enemy were targeted in America. I got scared and hid for a season. I was afraid to go out of my house during these tense times as I was afraid of getting “attacked” in retaliation of 9-11 (would find out later about the “truth” behind the attacks, which can be another story ;)).

    A “Bully” Myself Once

    I have to be fair and honest too in this blog post that I wasn’t always “bullied”, but I was also in the “dark” side too-“bully” himself! 😦 I’m not proud of this either, but I look back and probably was a “bully” in some instances because I was “bullied” myself. I felt like I had a position of power in some scenarios and abused them. For instance, I remember fighting this younger-smaller guy in elementary school. I still can’t remember why I did this. I pushed him around and nothing too violent, so I wasn’t too rough on him. 😉 Another instance, this individual in high school was so annoying and I had to “act” tough. I told him that we should fight after school, which he accepted. During class, I then began thinking that this individual will probably bring his “hommies” or “gang” friends and “jump” on me. I then told him “cowardly-humbly” that I decided I don’t want to fight, which he agreed..lol! I also had some instances where I teased people because they “look” poor or whatever, but I regret this because I too was in their shoes and don’t understand why I did this.

    My parents immigrated here (St. Paul) from the Philippines in the early 70’s and we didn’t have much like many other immigrants residing in a “new” land. I remember one Christmas, we couldn’t afford a Christmas tree like many other “Americans”. We found a tree branch in our neighborhood while walking in one cold winter day, so we decided to take this tree branch inside and make it our “1st” family Christmas tree. We even decorated it and put ornaments that we just creatively made. My parents couldn’t afford the current trending shoes (e.g. Nike) those days, so I wore “Pro-Wings” from Payless Shoes Store (I’ve bought shoes still from this place as they have some good deals, but honestly-not very quality). Growing-up at that time (still I heard), students in school would just ridicule you with the brand or type of clothing-shoes you wore. I just got teased “left and right” back in elementary school for wearing these “cheap” shoes. Another similar instance was when I was wearing some “old-school” pj’s underneath my jeans with a hole. It was winter time and these “pj’s” were like my thermal underwear to keep me “extra” warm. I guess I would tease someone with this type of dress code. I felt like I was “worthless” at the time and it got worse growing-up through high school.

    I actually feared going to high school after watching t.v. shows or movies on how “nerds” or “losers” (like me) were treated. Fortunately, folks in high school were a little more mature and it wasn’t as bad as I expected. I got teased a little (e.g. looks-physical characteristics) once in awhile, but I just had a very low self-esteem (due to factors in and out of school). I had some “suicidal tendencies” due to depression caused by many factors that I can share for another blog, but this is one of the effects people still face due to bullying.

    I finally started going up-hill during my college years, which here is my story.


    “Power of non-violence (e.g. Martin Luther King Jr., Ghandi, etc..) instead of retaliating with violence”

    Stop Bullying Today (Christian Themed)

    Matthew 5-7New International Version (NIV)-
    Introduction to the Sermon on the Mount
    biblegateway.com
    https://www.facebook.com/SalPhotoVideography/photos /a.1134525149895689.1073742035.443035202378024/1825428997471964/?type=3&theater
    “…The Beatitudes

    He said:

    3
    “Blessed are the poor in spirit,
    for theirs is the kingdom of heaven.
    4
    Blessed are those who mourn,
    for they will be comforted.
    5
    Blessed are the meek,
    for they will inherit the earth.
    6
    Blessed are those who hunger and thirst for righteousness,
    for they will be filled.
    7
    Blessed are the merciful,
    for they will be shown mercy.
    8
    Blessed are the pure in heart,
    for they will see God.
    9
    Blessed are the peacemakers,
    for they will be called children of God.
    10
    Blessed are those who are persecuted because of righteousness,
    for theirs is the kingdom of heaven.

    11 “Blessed are you when people insult you, persecute you and falsely say all kinds of evil against you because of me. 12 Rejoice and be glad, because great is your reward in heaven, for in the same way they persecuted the prophets who were before you…”

    In conclusion, I believe social support and communication or dialogue is very important to stop bullying! I really didn’t get this growing-up. I grew up in a very quiet-passive (Asian culture) family, which I never shared this with my dad, mom, and even my siblings (I shared one of my stories with one of my siblings the past year or two and they replied-“How come you never told us?”) . I just kept it inside of me like a volcano that was waiting to interrupt. My personal tip now is parents need to have an honest one to one dialogue with their child/children. This can happen over a meal time at the dinner table (get your kids to put their smart phones away, shut the television, etc..). If you read my story above, building self-esteem is very important to help “victims” of bullying overcome this stage or season in their life. As a former “victim of bullying” and “a bully” too, I want to help those in this category through social networking (e.g. Good News Sociology, Youth, etc…). How can we “work-together” in helping those out there?

    Follow us at #goodnewseverybodycom
    https://www.instagram.com/goodnewseverybodycom/

    Would love any feedback (e.g. personal stories, advice to help others, other resources, etc..) more….. http://issues.goodnewseverybody.com/bullying.html

    Good News Abused
    https://www.facebook.com/groups/380276108747293/