Corporate Contractors - Fall 2021 Newsletter

The Power Of A Story Author Neil Gaiman explains the power of stories with a tale on the Books Bird website: “My cousin Helen, who is in her 90s now, was in the Warsaw ghetto during World War II. She and a bunch of girls in the ghetto had to do sewing each day. And if you were found with a book, it was an automatic death penalty. She had gotten hold of a copy of Gone with the Wind , and she would take three or four hours out of her sleeping time each night to read. And then, during the hour or so when they were sewing the next day, she would tell them all the story. These girls were risking certain death for a story. And when she told me the story herself, it actually made what I do feel more important. Because giving people stories is not a luxury. It’s actually one of the things you live and die for.” “ I am always doing that which I cannot do, in order that I may learn how to do it. ” —Pablo Picasso —Mental Floss Odd Questions 1. Where are lobsters’ bladders located? 2. In 1878, Alexander Graham Bell suggested answering the telephone with which greeting? 3. At an average of 10 hours 42 minutes per week, which country’s citizens spend the most time reading? 4. Which is the state dance of 24 U.S. states? 5. Which came first: alcohol or the wheel? 6. Which word is understood in all languages? 7. A team of chemists described which smell as “a combination of grassy notes with a tang of acids and a hint of vanilla over an underlying mustiness?” 8. Which is the only continent to have land in all four hemispheres? 9. Paraskevidekatriaphobia is the fear of what? 10. What was the first item sold on Ebay? 11. Theodore Roosevelt’s daughter Alice had a pet snake. What was the snake’s name? 1. In their heads. 2. “Ahoy.” 3. India. 4. The Square Dance. 5. Alcohol. 6. “Huh?” 7. The smell of old books. 8. Africa. 9. Friday the 13th. 10. A broken laser pointer. 11. Emily Spinach. Yes, You Can Get Out Of Debt Getting into debt is easy; getting out is hard—but not impossible. Follow these steps from the website: • Get motivated. Find some specific reasons for eliminating your debt—reducing stress, giving your family a better life, or planning a vacation. The more meaningful your reasons are, the more motivated you’ll be to take action. • Assess your situation. Take a look at how much money you owe, who you owe it to, how much you’re bringing in, and how much, if any, you have in savings. This gives you a clear starting point. List your monthly expenses—rent or mortgage payments, food, health care, etc. • Identify poor spending habits. Take a hard look at what you’re spending money on. Maybe you order food in every other night or go on shopping sprees when you’re depressed. Look for weak spots so you can cut back on wasteful spending. • Narrow your focus. Don’t try to pay off everything at once. Set a single goal— paying off your credit card balance, for example. Once you’ve done that, the sense of accomplishment will motivate you to move onto your next target. • Set micro-goals. You probably won’t be able to pay off all your debt at once. Try setting smaller goals for the interim, like paying 10% more on your college loan payment every single month. Sticking to that will teach you self-discipline and give you the confidence you need to keep going. • Tackle the right debt first. Focus on paying down your smallest debt first, while making the minimum payment on everything else. Then move onto your next- smallest debt. This can create a snowball effect as you move into the black. • Set up automatic payments. If writing checks is a stumbling block, enroll in a service that takes money from your checking account every month for payments. This frees you from having to remember to pull out your checkbook and doesn’t give you any excuse for missing a payment. • Negotiate. It’s sometimes possible to negotiate a lower interest rate if you’re in good standing. When you call, calmly and politely point out your customer history, especially if you’ve been making monthly payments on time. Your lender may be willing to lower your interest rate temporarily or even permanently, leaving you with more money to pay down your principal.