World AIDS Day 2014

Today is World AIDS Day. Look for folks wearing a red ribbon! Speaking of which… Do you know where the red ribbon for AIDS awareness comes from? Way back in good ole 1991, a creative group (made up of photographers, painters, film makers, and costume designers) of twelve people gathered to discuss a new project; a New York arts organization that raises awareness for HIV. After a short brainstorming session, they came up with an idea that later became one of the most recognized symbols of the time – the red ribbon. It is worn to signify awareness and support for people living with HIV and AIDS.

Since the red ribbon was popularized for AIDS awareness, literally dozens of other colors have appeared, including: pink for breast cancer, yellow for deployed U.S. military forces, white for lung cancer, and so on and so forth. Technically, the yellow ribbon came out more than a century ago and has appeared in several songs and poems. But, the official ribbon stipulation started with the red AIDS ribbon.

Please take 90 (or more) seconds out of your day today to reflect and remember the millions and millions of people affected and infected by this horrible virus, disease, and/or syndrome.

As usual, I like to put things into perspective… So, let’s tackle some numbers first. Did you know?

  • It’s estimated that around 40 million people are currently living with HIV/AIDS.
  • Almost 40 million people have died of AIDS worldwide.
  • Each year, around 2 million people die due to HIV/AIDS, and another 2.5+ million are newly infected.
  • Although HIV/AIDS affects all regions of the world, almost 97% of those living with it reside in low to middle-income countries (mostly in sub-Saharan Africa).
  • There are more than 16 million orphans due to losing their parents from AIDS!
  • Last, but not least, around 10,000 of those who lost their lives in this horrendous battle were hemophiliacs.
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    I have been living with HIV for around 30 years. Over the years I have asked myself countless times, Why did I survive and others like me didn’t? I believe that I was spared because I am a strong and comfortable speaker. Seriously! I truly believe that I am still here to be an advocate and activist. It is my duty to stand tall and let the world know what is going on. And, potentially to help inspire those living with and dealing with HIV/AIDS. My message is a simple one… “This is not a death sentence, and you can thrive despite having it!”

    You guys might remember a post from last year called, Dum Spiro Somnium. That is my life motto and it essentially means, While I breathe, I dream. In other words, as long as I breathe I will continue to believe in my dream of a world without AIDS. Join my dream, and together we can defeat AIDS!

    My Dream is a World Without AIDS

    If you want to read my story and the journey that I have struggled through, pick up my book Survivor.

    It is our duty to NEVER FORGET and strive to beat this horrific disease!

    As part of my advocacy and message spreading, I started blogging around six years ago. Back on February 13, 2009, I created HIV Longevity, and tried to send inspirational and thought provoking messages, posts, and articles. Since then, I have posted more than 200 articles. Many of these blog articles have been based around HIV, AIDS, and dealing with the horrible problems associated with them. More recently I hibernated the HIV Longevity blog and switched to the Healthy Wealthy Tribe. Primarily I did this because I wanted to reach a broader audience and talk about things outside of HIV and AIDS.

    Since 1 in 100 people are HIV+, almost all of us are affected by this terrible virus. How are you affected by HIV/AIDS?

    This message of hope was sent with love, from my still beating heart (despite the odds).

    Signed,
    the survivor, the advocate, and the inspirational dreamer.

    Please comment by clicking “Leave a Comment.” And, if you dig, share this article! Also, please type your email address into the “Subscribe” box up top to get updates each time I post a new blog article.

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    How to Invest

    Let’s become financial wizards together! Now that we know how to get ourselves out of debt ( healthywealthytribe.com/get-out-of-debt ) and how extremely important compounding interest is ( healthywealthytribe.com/compounding-interest )… Let’s discuss what to do with our money once we are more financially fit and ready to start saving and investing.

    WARNING: I am not a financial advisor. I do not have a finance background. I’m just a guy who desires to be financially free and I’m working hard on becoming a financial wizard. The opinions, stories, and ideas presented here are my own and do not constitute a recommendation of or endorsement for any particular or general use. I strongly recommend taking my advice with a grain of salt… Do your own research and use my articles more for helping you to better yourself. I accept no responsibility for anyone who tries this and loses money. Obviously, your money and your circumstances are individual. YOU are responsible for your own finances and the outcome of trying things.

    With that out of the way… Let’s discuss your paycheck and what to do with it! In the future I will have an article discussing budget creation, but for today we’ll chat about savings. I have done a lot of my own personal investigating on this subject. This is a compilation of what I’ve gathered from a plethora of sources and resources. It is my personal opinion of how to successfully save for the future.

    The most important part of this message is that you must pull the savings out of your paycheck before you see it. Ask your payroll division to withdraw 10% (pretax) of your gross pay and deposit it into a different account. This way you never even get a chance to see the cash before it is invested.

    Before we talk about how to invest, let’s talk about two other investments you should be making… I believe that you should put 10% (or at least what your company matches) into a 401K plan. This is free money, so you must take advantage of it. I also think that you should give 10% back to the community. This can be in the form of religious tithing or charity. Regardless of what it is, I think it is our duty and responsibility to giveback to the community that give so much to us.

    Now let’s talk about what you do with your 10% savings…

    Like the piggy-banks in my article picture, you will break your savings into three different types of savings: Safe, Risk, and Wish. Here’s a breakdown of what each is:

    SAFE
    This one is simple and straight forward. You look for a low interest form of saving that is secure and guaranteed. This type of account is money market, CD, or other account. The idea is that it will grow at a very small rate, yet be a safe place for your money.

    Any interest that is earned on this account gets re-invested back into itself.

    RISK
    This is the fun one… Think stock market or real estate. This account will be considerably more risky, but it is also a growth account that has the potential to grow at a phenomenal rate.

    Because this account is riskier, we will re-invest the interest earned in all three piggy-banks equally. i.e. Put 1/3 of the annual interest earned into Safe, Risk, and Wish. In this way, we get to keep some of the massive growth even if you have a bad year or two in the stock market.

    WISH
    This account gets money deposited only from the 1/3 interest earned by Risk. This is essentially an account that you will use to treat yourself to something nice. Sometimes you will wait a few years and get something big (think motorcycle, screened-in deck, swimming pool, or something else extravagant). Other times you will spend it immediately on small items like clothes, shoes, jewelry, paintball gun, or something similar.

    Essentially, this account is used to celebrate you being so good with your savings. It is important that you celebrate every now and then and get something for all of your hard work!

    Now let’s talk about how much of your savings goes to the Safe fund and how much goes to the Risk fund… This is totally up to you, but I have a simple formula based on three quick questions:

    1. How old are you?
    2. Do you worry about (or fear) losing money in risky investments like the stock market?
    3. Does risk (in general) worry you?

    Baseline your “Safe” deposit amount by using your age. Round this number up to the nearest decade (e.g. If you are 24, you would round to 30). Next, add 10 points for each of the next two questions that you answered “yes” to.

    For Example: I am 46 years old, and answered “no” to both questions, so my value is 50.

    Once you have your number, think of it as a percentage… Deposit the percentage into the Safe category and put the remainder into Risk. My calculated percentage was 50%. That means I will deposit 50% of my savings into Safe and 50% into Risk.

    Remember, initially we won’t deposit anything into the Wish piggy-bank… That one only gets money as you get interest income back from the Risk category.

    That’s it in a nutshell.

    The most important part of this whole thing is that every year you wait to save is an immense amount of money lost from your savings. Think about how compounding interest worked… The longer your money is earning interest the greater the gain. Start today!

    I hope this was helpful! Please chime in with your experience and ideas!!!

    See ya,
    Vaughn

    Please comment by clicking “Leave a Comment.” And, if you dig, share this article! Also, please type your email address into the “Subscribe” box up top to get updates each time I post a new blog article.

    You can rest assured that we will never SPAM your email account, and it’s only used to send the latest articles.

    World AIDS Day 2013

    Today is World AIDS Day. Please take 90 (or more) seconds out of your day today to reflect and remember the millions and millions of people affected and infected by this horrible virus, disease, and/or syndrome.

    I like to put things into perspective… So, let’s tackle some numbers first. Did you know?

  • That as of 2008, there are 33.4 million people currently living with HIV/AIDS.
  • More than 25 million people have died of AIDS worldwide.
  • Each year, around 2 million people die due to HIV/AIDS, and another 2.5+ million are newly infected.
  • Although HIV/AIDS affects all regions of the world, almost 97% of those living with it reside in low to middle-income countries (mostly in sub-Saharan Africa).
  • There are more than 16,000,000 orphans due to losing their parents from AIDS!
  • Last, but not least, around 10,000 of those who lost their lives in this horrendous battle were hemophiliacs and are my blood brothers.
  •  

    I have been living with HIV for 28+ years. Over the years I have asked myself more than a thousand times, Why did I survive and others like me didn’t? Now that I’ve survived for nearly three decades, I think I can finally (and honestly) answer that question. I think I was spared because I am a strong and comfortable speaker. Seriously! I truly believe that I am still here to be an advocate and activist. It is my duty to stand tall and let the world know what is going on. And, potentially to help inspire those living with and dealing with HIV/AIDS. My message is a simple one… “This is not a death sentence, and you can thrive despite having it!”

    You guys might remember a post from a few months back called, Dum Spiro Somnium. That is my life motto and it essentially means, While I breathe, I dream. In other words, as long as I breathe I will continue to believe in my dream of a world without AIDS. Join my dream, and together we can defeat AIDS!

    My Dream is a World Without AIDS

    If you want to read my story and the journey that I have struggled through, pick up my book Survivor.

    It is our duty to NEVER FORGET and strive to beat this horrific disease!

    As part of my advocacy and message spreading, I started blogging nearly five years ago. Back on February 13, 2009, I created HIV Longevity, and tried to send inspirational and thought provoking messages, posts, and articles. Since then, I have posted nearly 200 articles. Many of these blog articles have been based around HIV, AIDS, and dealing with the horrible problems associated with them. More recently I hibernated the HIV Longevity blog and switched to the Healthy Wealthy Tribe. Primarily I did this because I wanted to reach a broader audience and talk about things outside of HIV and AIDS.

    Since 1 in 100 people are HIV+, almost all of us are affected by this terrible virus. How are you affected by HIV/AIDS?

    This message of hope was sent with love, from my still beating heart (despite the odds).

    Signed,
    the survivor, the advocate, and the inspirational dreamer

    Please comment by clicking “Leave a Comment.” And, if you dig, share this article! Also, please type your email address into the “Subscribe” box up top to get updates each time I post a new blog article.

    You can rest assured that we will never SPAM your email account, and it’s only used to send the latest articles.

    My Dream is a World Without AIDS

    My claim to fame is being one of the longest surviving HIV+ people in the universe. This isn’t exactly the coolest title to have, but I am proud of the fact that I’ve made it so far. I attribute much of my success and survivability to my family, friends, positive attitude, extreme fitness, medication, self-help authors, meditation, and downright tenacity. Along with these tools, I also have the team at AIDS Research Alliance to thank. Organizations like ARA are putting mad scientist hours into projects to rid the world of AIDS.

    With that said, my dream is a world without AIDS. It is my firm believe that the ARA has the same dream and they are doing something about it! Please donate to the AIDS Research Alliance and help them succeed!

    I personally donate 10% of the proceeds from my book, Survivor: One Man’s Battle with HIV, Hemophilia, and Hepatitis C, to the AIDS Research Alliance.

    Watch my brief video here:

    I hope this article not only inspired you, but also has you thinking of ways you can help rid the world of AIDS.

    Thanks for reading, listening, and watching…

    -Vaughn