Financial Wisdom: Is it really that difficult?

This will be the first of a small series of post I plan on doing on finances. I figured I should post this first entry both to introduce you to why I will be writing these post, and to create some accountability for me to make sure I do get this information out there.
I’ll start by saying that I have done a fair bit of reading as it relates to financial advice. I learned about Dave Ramsey this summer and read all of his books in the fall. I recently finished reading Rich Dad, Poor Dad. While on a brief financial kick in the past I’ve read Robert Allen’s stuff; The Millionare next door; and a slew of other books I found in the personal finances section of Border’s while Mindy does piles of homework. So, I’ve hopefully learned a little bit. And I must say most of these books have some pretty good advice. Many of them leave me ready to take action on making millions in some form or another, but usually that part of me settles down quite quick.

In future post I will share with you a little of the ways that I have dealt with my finances, and ways I hope to deal with them in the future. I am FAR from a financial expert, and nothing I’ll say here has stood the test of time (at least not that much time), but it is things I believe are steps in the right direction. I’ll try to be as honest as possible. Most of my values come from looking at the life and teachings of Jesus and trying to follow those. Some of the topics I’ll probably talk about is Needs vs. Wants, Fun Money, Giving, Saving, and living on what you need.
Since my life, and these views, are all a work in progress, I’d appreciate as much feedback as each person can give to the things that I share.

Interactive Johari Window: a look at your personality


Many of you who are regular reader’s here at Trying to Follow also regularly read my Xanga, so this might be a repeat for you. This little personality survey has proven to be very popular amongst my friends, so I thought I would pass it on to folks here.

From the website:

The Johari Window was invented by Joseph Luft and Harrington Ingram in the 1950s as a model for mapping personality awareness. By describing yourself from a fixed list of adjectives, then asking your friends and colleagues to describe you from the same list, a grid of overlap and difference can be built up.

Basically it’s a neat opportunity to seem some of the character traits that others sort of define you by. I found it to be an interesting and insightful thing to do and I thought you might like it as well.

Here is my Johari Window for you to view. And if you know me please add your describing words too.

Arena

(known to self and others)

caring, idealistic, independent, relaxed

Blind Spot

(known only to others)

able, accepting, bold, brave, clever, energetic, extroverted, friendly, giving, helpful, ingenious, intelligent, introverted, knowledgable, loving, mature, modest, organised, patient, reflective, responsive, searching, sensible, sympathetic, wise

Façade

(known only to self)

cheerful, trustworthy

Unknown

(known to nobody)

adaptable, calm, complex, confident, dependable, dignified, happy, kind, logical, nervous, observant, powerful, proud, quiet, religious, self-assertive, self-conscious, sentimental, shy, silly, spontaneous, tense, warm, witty

Dominant Traits

70% of people agree that Ariah is caring
70% of people think that Ariah is giving
60% of people agree that Ariah is idealistic

All Percentages

able (10%) accepting (30%) adaptable (0%) bold (10%) brave (10%) calm (0%) caring (70%) cheerful (0%) clever (20%) complex (0%) confident (0%) dependable (0%) dignified (0%) energetic (20%) extroverted (20%) friendly (10%) giving (70%) happy (0%) helpful (10%) idealistic (60%) independent (10%) ingenious (10%) intelligent (10%) introverted (10%) kind (0%) knowledgable (10%) logical (0%) loving (30%) mature (10%) modest (20%) nervous (0%) observant (0%) organised (10%) patient (10%) powerful (0%) proud (0%) quiet (0%) reflective (10%) relaxed (20%) religious (0%) responsive (20%) searching (30%) self-assertive (0%) self-conscious (0%) sensible (10%) sentimental (0%) shy (0%) silly (0%) spontaneous (0%) sympathetic (10%) tense (0%) trustworthy (0%) warm (0%) wise (10%) witty (0%)

Created by the Interactive Johari Window on 16.2.2006, using data from 10 respondents.
You can make your own Johari Window, or view Ariah’s full data.

Peter’s AIDS Fund: A brief response to “why?”

Peter’s AIDS Fund: A brief answer to “Why?”

I’ve begun to spend a bit of my time tackling two projects, one of which is with my friend, Peter Amico. As simply as I can put it the AIDS Fund project is an effort to raise $1 million to help fight AIDS in South Africa, particularly through 6 small, local, community-oriented organizations that Peter worked with while there for a month. Now some answers to the question “Why?”

“Why AIDS, South Africa, and these organizations?”

This one is fairly simple. As I said Peter just spent a month there and was really touched by what he saw, as well as became aware of a very tangible and current need of more resources for these small organizations.
In 2001 I was in Gambia working with a couple that runs a YWAM facility there. They expressed a desire to set up a child sponsorship program to help pay kids school fees. I tried setting up a website, but it was hard work long distance at that time, and it never happened. But ever since then I’ve had a desire to work on a very local project that would allow people to give and see the impact. Peter’s AIDS Fund is becoming this opportunity.

“Why $1 million?”

Well, to be honest that number is probably a little too low. I think we sell ourselves short far too often. We pick tangible numbers that are big enough to make us feel good, but not so big that we’ll be dissappointed. When you look at the HUGE crisis and you look also at the already billions of dollars that are being handed over to deal with it, this amount might still seem insignificant. But, as you hear the stories of these organizations, and the stories of the people that are being helped, I think you will see why your $1 or more will go a long way, and why it is SO important that you give.
$1 million bucks is not that much; it’s a dollar from $1 million people that hear about this need; It’s $10 from the 100,000 people that Peter might have the opportunity to speak to in churches in Florida; It’s $100 from 10,000 committed friends and family, or $1000 from 1000 people who have realized the importance of addressing this crisis; maybe it’s just $1 million dollars from someone with the money and the compassion to address these needs.

“Why Peter?”

You should probably ask him that one, but I’ll venture a small bit of input. Peter is someone who has seen with his eyes, and been moved to action. We need more people like Peter in the world; willing to stand up and take a stand against the injustice that he has seen and is ready to encourage others to do the same.

[Peter’s AIDS Fund]

Why I wanted to go to Wheaton College

It’s funny I have this weird feeling that after posting this there are going to be a number of searches that will land on my site from high school seniors googling, “How to get into Wheaton essays” and “Free Wheaton Application Essays online.” If that’s how you got here, just know the essay that your about to read is probably not what got me into Wheaton. I actually got in because of my personal interview where I presented a song and dance routine in the key of h# and directed an entire pantomime by a troupe of trained monkey’s (though I had to agree not to house them in my dorm room; something about a total sum of body hair between roommates restriction).

I figure now that I’ve graduated, and because a friend asked why I wanted to go to Wheaton, there is no harm in revealing this essay to the general public. This was one of three essays I submitted for the Wheaton Application my senior year of high school. (UNCUT: Director’s Edition)

How do you see yourself as a good match to Wheaton’s academic and spiritual environment?

Since I first heard of Wheaton I knew I wanted to attend college there. It was a bright orange T-shirt with a blue Ichthus on the front and “Wheaton Soccer” on the back that first attracted me. “I’d go to that college just to get that shirt!” I told my friend who was wearing the shirt. At the time I wasn’t serious, but as I’ve learned more about the school I’ve found many more important reasons to go to Wheaton then to get a T-shirt.

Compared to many other colleges, Wheaton has tough academic standards. That appeals to me. I’ve always liked to challenge myself in school, taking hard classes that really push you. I don’t like to just get by, that’s a waste of the thousands of hours I spend in school. I believe Wheaton is looking for students that want to get the most out of their academic experience, and I believe I’m that kind of student.

The best way I’ve found to really get a feel for a colleges spiritual environment, besides visiting it, is by the people I know who have attended or are attending there, and the ways they are changed by it. In talking with friends attending Wheaton I’ve heard only positive comments and seen great growth in their spiritual walk. Those adults at my church who have attended Wheaton are individuals I have great respect for. The Wheaton alumni and current students I have talked to are all people with whom I agree theologically in almost all respects.

Two great men who have greatly influenced my life have also graced the halls of Wheaton. John Piper’s sermons and the memoirs of Jim Elliot have never ceased to amaze me. I want to learn from a school that has helped John Piper gain an amazing insight into God’s word and Jim Elliot an incredible patience for God’s guidance. Yet more then anything, I want to go were God leads me to go.

The Pacifism discussion begins.

This discussion is sure to create some interesting feedback and debate. Zach brings up some questions about Pacifism, which Ariah tries to address. No script, no agenda, so it get’s a little off on tangents.
This is only half of the show, the second part of this discussion will air next week. And then we’ll continue to discuss pacifism and the Bible as long as there is interest.

We’ve also added to exciting parts to our show: Myth of the Week and the Friend Spotlight!
You could be the Friend of the week and if you are, you’ll win a BIG prize! Listen in and see if your this weeks big winner!

Please send your feedback and thoughts to ariahfine@gmail.com or call and leave an audio message at (615)349-1210


Or Download Here. (right click and choose Save link as…)

Brief shownotes:
-Ariah and Zach discuss Pacifism
-Myth of the Week: ?
-Friend Spotlight: ? Could you be our big winner?!

Disclaimer: No animals where hurt in the making of this podcast

Where I do my Grocery Shopping

Where I do my Grocery ShoppingI’ve hesitated to write about my own choices as it relates to important moral issues that I have brought up for a couple of reasons. One, in the areas that I feel I have made good progress, I fear sounding self-promoting and condemning and judging. My intent has always been to share with others what has been put on and moved my heart. Never to condemn others, but to find others who will walk with me on this journey.
Second, I hesitate to write about my own progress because I still have a ways to go, and if I admit areas where I do not have it right, I fear there are those who might throw out the message with the messenger. I wonder if there are those who might have been convicted by something I said I about buying things in a just way that will read about my own shortcomings and say, “see, even he can’t do it. I’m not going to bother with that anymore.” I would hope that having read that, that those folks might instead take this opportunity to challenge me even further to live out my convictions in my life and would help me along in that. Now, let me share with you how I grocery shop.
When it comes to most of my purchasing, price is a major factor. In the same way that I wouldn’t go pick the most expensive designer jeans and assume they are the best, ethically and quality, I don’t go for the most expensive groceries and consider it ethical. Currently, we (my wife and I) do our main shopping at ALDI. I’ve tried as much as possible to find out more about the ethics of ALDI’s and compare it to other grocer’s but never with much luck. I did recently find out that ALDI’s is owned by the same company that owns Trader Joe’s from whom there is a little more information. I also occasionally shop at Kroger. Kroger as a company has done some fairly unethical stuff in the past, as far as worker right’s in their stores, and for about 6 months we joined in a boycott of their stores. From what I know the strike and boycott was a victory and some good agreements where made. ALDI’s is Extremely reasonably priced, but the savings are mostly in how they run the store, not in short changing their workers and producers (From what I can tell).
If you shop at a place like Kroger or other major retail chain you’ll also encounter having to choose what brand products to buy. It’ll take you a little while to read through, but I’d highly recommend reading the notes at ResponsibleShopper.org about FOOD brands. The goal is not for you to read all the bad stuff and lament ever eating again, but rather for you to become more aware and educated about some of the situations stores have been in. Like I suggested in a Fair Trade article I wrote, I would suggest picking one product (coffee, chocolate, tea) and choosing to buy it ONLY Fair Trade.
In addition, I personally know I want to shop at the local Farmer’s Market more. Nashville has a year-round Farmer’s market that carries plenty of produce, and I would recommend anyone I know to shop there first. Also, if you could become part of a CSA (Community Shared Agriculture) I would encourage you doing that. We were part of a local CSA in the fall and plan to continue come spring time. Basically each week we would get a bin of food. Always a dozen eggs and a whole chicken, and then an assortment of fruits and vegetables. We had to learn how to cook new items and discovered many different peppers and squashes. I would HIGHLY recommend you get involved in a CSA if you can find one.
Last but not least, for you radical few out there, I would recommend you find a local Food Not Bombs group, hang out, and learn a little bit about the art of dumpster diving.

Interview with Peter Amico about AIDS

I had the great opportunity to talk with my friend Peter Amico on the other side of the globe in China! I decided to do a short interview with him so that he could share his story with a great audience. Here’s a brief interview with him, which I’m sure I will do more of in the months to come.

NOTE: The quality of the podcast is quite clear considering the long distance connection. However, the recording software caused some overlap of my and Peter’s voices. Though a little distracting, you should know that Peter wasn’t constantly interrupting me before I finished my question, and I was listening and answering quickly (not five seconds late). I hope you can still enjoy the podcast.

Or Download the podcast here.

Please Take a minute and stop by the site:
Peter’s AIDS Fund

Peter wants to remind you to check out Isaiah 1:11-17

What does denying yourself look like?

Today I was talking with a friend about some of the word’s of Jesus and it became so clear to me why I think the church should care about justice, should care about others, and shouldn’t just look like another club that people can join (as long as you look, act, and enjoy the same things as the majority of the people in the club). Jesus messes with people’s heads and says these words:
Then Jesus said to His disciples, “If anyone wishes to come after Me, he must deny himself, and take up his cross and follow Me. For whoever wishes to save his life will lose it; but whoever loses his life for My sake will find it. For what will it profit a man if he gains the whole world and forfeits his soul? Or what will a man give in exchange for his soul?”

The cross was a method of gruesome punishment, like the electric chair, or lynching. It’s equated with pain, struggle, hurt, and many other harmful and negative images; and Christ tells us to take that up. And then he get’s us even more backwards “lose” our life? What is that supposed to mean?
I’m not hear to do a theological exegesis of the passage, I’d rather just address the fact that THIS is the Jesus that we in the Church profess. There it is as plain as day for any passerby to read. Followers of Jesus should be denying themselves.
So why do those looking on see Christians drive in on Sunday in their fancy cars, pull up to their nice and decked out churches, listen to their health and wealth gospel, sing some feel-good songs, get back in their cars and go out to eat (where they don’t tip well), and head back to their house full of the same gadgets and gizmos everyone else has, ready to start another week?

Where’s the “deny” and “lose” in that? About the only “cross” it seems like most Christian folks are taking up is their house payment. My brothers and sisters, this should not be.

Convenience

I can’t stop thinking that the ONLY reason that I run the water in the shower until it’s warm is for my own comfort and convenience. I’ve tried justifying it by insisting warm water cleans better. My only real excuse is that I’m afraid I’ll get hypothermia after a frigid bike to work. But when it comes down to it, It’s ONLY for convience and my own comfort.

From concern to apathy, or maybe I just forgot

It was only a few months ago that I was an outspoken advocate on addressing the crisis in Darfur. The situation was even newsworthy, carrying stories of Powell calling it a genocide and other information about what was occuring. I helped organize a group to speak to a senator, encouraged people to write letters, send emails and more. I wrote an article for Relevant about Darfur and then I forgot.
It’s easy to forget when you don’t see the pictures and hear the stories on TV or in the Newspaper. It’s easy to forget when you stop reading the emails with “Darfur” in the title (cause you can already guess what they’re about).
It’s easy to forget because the dead bodies, the mutilated people, the raped women, the displaced refugees; none of them are in my way on my bike ride to work. They don’t pass me in the grocery store and they haven’t called me on the telephone.
I saw one of them today, and I didn’t know what to say. A small child just looking at me. “um, I… I forgot.” That’s all I could think of saying it humbles me like nothing else. Enough of me feeling important, feeling like I’m doing good things, living a good life, suddenly I don’t feel so good about what I spend most of my time doing.

Let’s get concerned again, and let’s continue to speak. My voice is not hoarse from crying out too much, I’m rested enough to stand and raise my voice on behalf of those who cannot.
Let your leaders know that you know about your brothers and sisters that are being killed in Darfur. Send them a card. And get more letters for your friends, family, and church members to sign as well.