How are you perceived?

I was talking with Chris on the way home last night about perception. It is an interesting thing. Do you ever think about how others perceive you?

You might feel that others think of you as confident, or feisty, or determined. They may think of you in that way too. But, what if they do not? What if instead they think of you as aggressive, cocky, or impatient. Does how others perceive you matter? Does it change how effective you are with them, whether in a work or personal setting? I think it may. Do we have to manage others perceptions of us? Does it matter?

Often I think that others can be blocked to get to know someone more, or make a decision not to pursue creating a relationship or alliance with someone because of their assumptions or perceptions. I do not think we have to change who we are, or adapt who we are for others, but I do think we need to be aware of how we are perceived. Would knowing that make you approach a situation in a more gentle way? Or maybe just the opposite, would knowing how you are perceived make you act more aggressive? In some ways it is knowing your audience and understanding what they need and how they view the world. It may make a difference in how you interact with your boss, your kid, or your spouse.

I would love to hear other’s thoughts on this topic as it was a spur of the moment thought for me and one I would like to dig deeper into. Any books or articles you have read on this topic? Please share!

A little burgundy, a lot of voting…

Unlike Ron Burgundy aka Will Ferrell (see below video), I will not do anything for you so you will go and vote. Why? Because you should go vote because it is a freedom and privilege. (Sorry in advance for those of you that are not in the United States. This is an important and timely topic in the US.)

As many of you may know, I do not like writing about politics. I dislike the separation it causes among friends and family. So I usually keep my mouth shut. However, there is one thing I cannot stay quiet about: voting. You MUST vote on Tuesday. No matter what your political party, or who you are going to vote for (although I do have an opinion on who you should vote for – I will keep that to myself). Today I just want to emphatically ask you to go and vote. Speak up, and cast your vote. And now a message from Will Ferrell himself:

A little comedy goes a long way. What I love about his video is that his message is mostly (until the last few seconds) just about going and voting. There are still countries where both men and women are not allowed to vote. Think of voting as speaking your mind and sharing your voice. We have the freedom to vote that others in the world do not have. So, we should all take advantage of our right to vote. We should not take it for granted. We should use this right to make a difference.

If you do not vote, you cannot be upset anytime in the next four years if you do not like the outcome. You cannot have an opinion about the direction of education, taxes, our economy, etc. if you do not go and VOTE.

Please, please, please go and cast your ballot on Tuesday!

A 7 Year Car Loan?

I saw this recent article about how having a car loan for 7 years. I like the poll at the end of the article: “Would you pay $1,600 more over a seven-year period to get a 50% lower monthly payment now?” The chart shows that for a 3 year loan you would pay $588 a month, and for a 7 year loan it would be $271 a month. The seven-year loan means that you are only paying an additional $1600 in interest. I am never one to pay interest if I do not have to, but it is nice to know that you could have a more affordable payment for a longer term.

The question that they bring up at the end, which I think is also worth thinking about, is if you wanted to sell your car in 5 years, and had a 7 year loan, then likely you will owe more than the car is worth. That is definitely something to think about and research. I like that it is possible in their more financial tight times. Having said that, I like it with one caveat. If the car you are purchasing is to ritzy and expensive that you have to go for the 7 year loan. To me then it is not worth it. If you are stretching yourself for the visibility of a luxury car, then you should buy a less expensive car.

I guess it depends on how you choose to spend your money, your interest rate, how long you drive your car (in years), how long you drive your car each day, and your thoughts on putting your income into your car. Suze Orman would tell you to get rid of the car payment completely. She would likely say if you are making less on the money you are putting away (separate from 401ks, 403bs, and IRAs) than you are paying for a car loan, then pay off your car loan. If you can make more on the money you invest than the car loan interest rate, then keep your car loan. Look to where you make more for your money.

What do you think?

West Wing Is Back For 4:04 Minutes

I was a die-hard fan of West Wing. I still get nostalgic of the show. I mentioned a bit about West Wing in this recent blog post. Last week I came across this video on getting out and voting. The video was created as a campaign ad for Bridget Mary McCormack. Bridget McCormack and Mary McCormack (who played Kate Harper on West Wing) are sisters.

It is a great bipartisan video, encourages individuals to vote, and has a positive take (instead of the many snarky political ads we keep seeing). The added bonus is to see the West Wing cast back in action. Although I could not help but think about how Leo was missing (played by John Spencer who died in 2005).

Enjoy all of you West Wing fans!

How My Government Helped Me

So I really dislike talking about politics. Not because I am not passionate about them, but more because I do not like alienating others through my beliefs. I prefer to discuss topics that can bring folks together, and I find that often with politics people have a very extreme opinion and are not always open to listening, hearing differing opinions, or even learning about a different viewpoint. So if I feel the conversation is negative, aggressive, and just not fun, I often make a choice to shut my mouth or walk away.

Last night, however, we were watching the Democratic National Convention. Bill Clinton somehow moved some emotions inside of me. I got teary at one moment and it made me go back to my childhood.

I grew up poor in the Midwest. My father was a contractor, and self-employed. My mother was a teacher (and had a master’s degree). From what I can remember my parents were Republicans. Most likely because of my father. He believed in as little government as possible. He almost was to the edge of conspiracy theory, and always felt someone was watching his every move. Back then when you paid for purchases with checks (when you actually had to have the money in the bank to pay for your purchases) the cashier would often ask for his social security number or driver’s license number. My dad would get aggressive and revolt telling the cashier those numbers were not their business. Sometimes walking out of the store without his purchase. I do not necessarily disagree with his logic. I am hardcore about the security of my personal information, have gone through identify theft (not an easy thing to fix), and am just overall very careful, as many are about their personal information. I am just not hardcore for the same reasons as my father.

I digress. I did not really want to talk about security or my father’s fear of big government. I really wanted to share my appreciation and nostalgia for what my country has done for me. Mind you I am not very old. My mother became ill and bedridden when I was 12. My parents were just divorced. My father was not paying for child support, and due to my mom’s condition we would have not survived without the support of government social service programs. My mom was not what many think of someone on government support. She was not a drug addict, or uneducated. She was not in any way trying to live off the system. She had one child that had turned 18 and left for college, one that was 12, and another that was 16. She had no income, and health care costs that continued to increase as her condition worsened.

You might ask: “Why are you grateful for all that depressing stuff, Tami?” I am not grateful to have been in that situation. What brings tears to my eyes is that we were given aid. We were given a specific dollar amount of food stamps each month. Our house had been foreclosed on, and we were able to move into government housing (as gross and depressing as it was, we were not living on the street). My mom’s medical costs were mostly covered by Medicaid. Since my mom had two children under the age of 18, she was given a small stipend (Aid for Dependent Children) for living expenses, which mostly covered the rent for the government housing. It was not fun. It was not ideal. However, looking back we could have been living on the street or at a shelter, yet we were taken care of by our government. Yes, you could say my parents paid into it with the taxes they paid over the years, and this is true. Yet, it could have been different.

What concerns me the most is if these types of programs are pulled! What other families might be in a similar situation and for whatever reason are not granted help? What if Medicaid goes away, or food stamps, or other government assistance programs? I cannot imagine how my life would have turned out without the assistance we received. Yes, there are more details to the story. My mom eventually passed on. I eventually turned 18. Life moved forward.

I hope that in the realm of politics, we can move forward as a country. We can remove the hatred between political parties. We can move towards change. We need to continue to take care of our neighbors, regardless of race, income, sex, or religion. I hope regardless of political passions, that we embrace the programs that support those going through a hardship. If we can just get away from the mentality of more, more, more and take care of each other. If we can do that, we will be as fierce and strong as ever.