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	<title>Comments on: Painting a Specific Future &#8211; And Figuring Out How to Get There</title>
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	<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/</link>
	<description>Financial talk for the rest of us</description>
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		<title>By: Megan</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-796277</link>
		<dc:creator>Megan</dc:creator>
		<pubDate>Sat, 24 Oct 2009 04:26:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-796277</guid>
		<description><![CDATA[Goal #1: Debt-freedom with the exception of a student loan and a mortgage.  

Goa #2: Start a family.

Goal #3: Re-learn Spanish.

Goal #4: Be living in Colorado.]]></description>
		<content:encoded><![CDATA[<p>Goal #1: Debt-freedom with the exception of a student loan and a mortgage.  </p>
<p>Goa #2: Start a family.</p>
<p>Goal #3: Re-learn Spanish.</p>
<p>Goal #4: Be living in Colorado.</p>
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		<title>By: Tordr</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-794378</link>
		<dc:creator>Tordr</dc:creator>
		<pubDate>Wed, 21 Oct 2009 10:54:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-794378</guid>
		<description><![CDATA[I would say learn Norwegian, but I am biased as it is my mother tongue, on the other hand you do not need to know Norwegian when you are a tourist in Norway as everyone speaks English quite well.

On the other hand the French are well known to not understand English.

A quote from a friend (none-Scandinavian): &quot;Ask a Norwegian/Dane/Swede if he speaks English and he will say &quot;A little&quot; and then continue to speak fluently in English. Ask a south-European if he speaks English and he will say &quot;A little&quot; and it really is a _little_ English.]]></description>
		<content:encoded><![CDATA[<p>I would say learn Norwegian, but I am biased as it is my mother tongue, on the other hand you do not need to know Norwegian when you are a tourist in Norway as everyone speaks English quite well.</p>
<p>On the other hand the French are well known to not understand English.</p>
<p>A quote from a friend (none-Scandinavian): &#8220;Ask a Norwegian/Dane/Swede if he speaks English and he will say &#8220;A little&#8221; and then continue to speak fluently in English. Ask a south-European if he speaks English and he will say &#8220;A little&#8221; and it really is a _little_ English.</p>
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		<title>By: Walter Daniels</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-793176</link>
		<dc:creator>Walter Daniels</dc:creator>
		<pubDate>Mon, 19 Oct 2009 15:02:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-793176</guid>
		<description><![CDATA[Learning Spanish will be easier from English, because of the Latin roots. French also has the same roots, but is trying to keep out any &quot;American&quot; crossovers. 
  For the writing, you can self publish, short stories, or even novels and charge for PDF versions. That would be an especially good option for collected columns. People familiar with them, would be inclined to pay for them, more so than non subscribers. Most IM experts advise to have &quot;free give aways,&quot; which you already do with the columns. Combining them into chapters, and tying them together would give them more value. I can&#039;t advise on price, but wish you luck.]]></description>
		<content:encoded><![CDATA[<p>Learning Spanish will be easier from English, because of the Latin roots. French also has the same roots, but is trying to keep out any &#8220;American&#8221; crossovers.<br />
  For the writing, you can self publish, short stories, or even novels and charge for PDF versions. That would be an especially good option for collected columns. People familiar with them, would be inclined to pay for them, more so than non subscribers. Most IM experts advise to have &#8220;free give aways,&#8221; which you already do with the columns. Combining them into chapters, and tying them together would give them more value. I can&#8217;t advise on price, but wish you luck.</p>
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		<title>By: Janette</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-791109</link>
		<dc:creator>Janette</dc:creator>
		<pubDate>Fri, 16 Oct 2009 00:15:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-791109</guid>
		<description><![CDATA[I am not sure why any US citizen at this point would take on a different language than Spanish- since that is where the money will be in the next 15 years:&gt;)
As a monolinguist - living within a family of multilinguists...
My five year goals:
Finish this job (retire sort of)
Take two or three years off encouraging dh with his wood working.
Serve in some mission/ Peace corps capasity
Enjoy the grandbaby]]></description>
		<content:encoded><![CDATA[<p>I am not sure why any US citizen at this point would take on a different language than Spanish- since that is where the money will be in the next 15 years:&gt;)<br />
As a monolinguist &#8211; living within a family of multilinguists&#8230;<br />
My five year goals:<br />
Finish this job (retire sort of)<br />
Take two or three years off encouraging dh with his wood working.<br />
Serve in some mission/ Peace corps capasity<br />
Enjoy the grandbaby</p>
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		<title>By: Sue</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-786740</link>
		<dc:creator>Sue</dc:creator>
		<pubDate>Wed, 07 Oct 2009 19:28:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-786740</guid>
		<description><![CDATA[I did the math on the debt repayment part of the goals, and it works out to $3166/month over 5 years. However, you have to take into account the interest that will be accumulating while you chip away at it. Right now on my mortgage, half of each payment I make gets eaten up by interest! So not sure if $3200/month is realistic when you take the interest into account.]]></description>
		<content:encoded><![CDATA[<p>I did the math on the debt repayment part of the goals, and it works out to $3166/month over 5 years. However, you have to take into account the interest that will be accumulating while you chip away at it. Right now on my mortgage, half of each payment I make gets eaten up by interest! So not sure if $3200/month is realistic when you take the interest into account.</p>
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		<title>By: Chad Oliver</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-786133</link>
		<dc:creator>Chad Oliver</dc:creator>
		<pubDate>Tue, 06 Oct 2009 04:38:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-786133</guid>
		<description><![CDATA[Hey, just a little bit of advice about language learning. I haven&#039;t read all the comments (there&#039;s lots, and I&#039;m meant to be studying), but I hope these help:

-Don&#039;t do a university course. They&#039;re a waste of time, because you usually have one teacher and lots of students - in my experience, the teacher spends the hour telling you what to ddo, then you do it for homework. Assuming you&#039;re motivated, you can do without the cost (in time and money) of the course quite fine.
-French, all the way. I&#039;m doing it, so of course you want to do it! :-)
-the foreign service institute puts out language learning resources, and since they&#039;re a government entity, (almost) all the audio recordings and transcripts etc are public domain. the website [http://www.fsi-language-courses.org/Content.php] hosts these files legally - get them and use them. They&#039;re a really good resource. I can&#039;t see one for Norwegian, but there is one for French, and Spanish. 
-For learning vocab, I have two resources: the first is anki [http://ichi2.net/anki/], and the second is the shkoota project [http://shtooka.net/en/]. I don&#039;t have time to explain them, but check out the websites - they&#039;re both invaluable resources!

Thanks,
Chad Oliver]]></description>
		<content:encoded><![CDATA[<p>Hey, just a little bit of advice about language learning. I haven&#8217;t read all the comments (there&#8217;s lots, and I&#8217;m meant to be studying), but I hope these help:</p>
<p>-Don&#8217;t do a university course. They&#8217;re a waste of time, because you usually have one teacher and lots of students &#8211; in my experience, the teacher spends the hour telling you what to ddo, then you do it for homework. Assuming you&#8217;re motivated, you can do without the cost (in time and money) of the course quite fine.<br />
-French, all the way. I&#8217;m doing it, so of course you want to do it! :-)<br />
-the foreign service institute puts out language learning resources, and since they&#8217;re a government entity, (almost) all the audio recordings and transcripts etc are public domain. the website [http://www.fsi-language-courses.org/Content.php] hosts these files legally &#8211; get them and use them. They&#8217;re a really good resource. I can&#8217;t see one for Norwegian, but there is one for French, and Spanish.<br />
-For learning vocab, I have two resources: the first is anki [http://ichi2.net/anki/], and the second is the shkoota project [http://shtooka.net/en/]. I don&#8217;t have time to explain them, but check out the websites &#8211; they&#8217;re both invaluable resources!</p>
<p>Thanks,<br />
Chad Oliver</p>
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		<title>By: Eden Jaeger</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-785959</link>
		<dc:creator>Eden Jaeger</dc:creator>
		<pubDate>Mon, 05 Oct 2009 19:08:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-785959</guid>
		<description><![CDATA[I don&#039;t mean this as a criticism, only something to consider. But it seems to me that the three goals you&#039;ve named are competing with one another, all seeking your most valuable, and irreplaceable, resource- time.

Maybe you need to prioritize the three and specify which 1 or 2 you are willing to sacrifice in the interest of completing the first? 

I don&#039;t know, I&#039;m just thinking out loud here. I suspect I struggle with the same issue for myself. I often get motivated, make lots of goals, but apparently don&#039;t consider that they will all be draining my time and maybe I&#039;ve bitten off more than I can chew.]]></description>
		<content:encoded><![CDATA[<p>I don&#8217;t mean this as a criticism, only something to consider. But it seems to me that the three goals you&#8217;ve named are competing with one another, all seeking your most valuable, and irreplaceable, resource- time.</p>
<p>Maybe you need to prioritize the three and specify which 1 or 2 you are willing to sacrifice in the interest of completing the first? </p>
<p>I don&#8217;t know, I&#8217;m just thinking out loud here. I suspect I struggle with the same issue for myself. I often get motivated, make lots of goals, but apparently don&#8217;t consider that they will all be draining my time and maybe I&#8217;ve bitten off more than I can chew.</p>
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		<title>By: Kate</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-785891</link>
		<dc:creator>Kate</dc:creator>
		<pubDate>Mon, 05 Oct 2009 16:00:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-785891</guid>
		<description><![CDATA[Thanks for giving me the nudge to think about where I want to be in five years.]]></description>
		<content:encoded><![CDATA[<p>Thanks for giving me the nudge to think about where I want to be in five years.</p>
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		<title>By: Debbie M</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-785861</link>
		<dc:creator>Debbie M</dc:creator>
		<pubDate>Mon, 05 Oct 2009 14:59:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-785861</guid>
		<description><![CDATA[It’s always good to learn a useful language.  Languages most useful to me are Spanish (because I live in the southwestern US) and American Sign Language (because it’s a language you can use when spoken language isn’t appropriate such as when it’s too loud to hear, too quiet to talk, or you can see but not hear such as on the other side of a window).  French is also useful because people are always sticking untranslated French in books (well, old books, anyway).

However, some languages are just more fun to learn and to speak.  I’ve learned a little ASL, Latin, Hebrew, German, French, Spanish, and Italian.  The most fun to learn was ASL because it’s fun to try to guess where the signs came from.  The easiest for me was German and I also think it’s fun to learn because of all the compound words.  (The word for glove could be translated as handshoe, for example).  The most fun to try to speak with an authentic is accent is (I know I’m supposed to say French) Italian.

On a different note, National Novel Writing Month (NaNoWriMo) is coming up.]]></description>
		<content:encoded><![CDATA[<p>It’s always good to learn a useful language.  Languages most useful to me are Spanish (because I live in the southwestern US) and American Sign Language (because it’s a language you can use when spoken language isn’t appropriate such as when it’s too loud to hear, too quiet to talk, or you can see but not hear such as on the other side of a window).  French is also useful because people are always sticking untranslated French in books (well, old books, anyway).</p>
<p>However, some languages are just more fun to learn and to speak.  I’ve learned a little ASL, Latin, Hebrew, German, French, Spanish, and Italian.  The most fun to learn was ASL because it’s fun to try to guess where the signs came from.  The easiest for me was German and I also think it’s fun to learn because of all the compound words.  (The word for glove could be translated as handshoe, for example).  The most fun to try to speak with an authentic is accent is (I know I’m supposed to say French) Italian.</p>
<p>On a different note, National Novel Writing Month (NaNoWriMo) is coming up.</p>
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		<title>By: angela</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-785849</link>
		<dc:creator>angela</dc:creator>
		<pubDate>Mon, 05 Oct 2009 14:25:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-785849</guid>
		<description><![CDATA[This was a great motivational post.  One of the things I have learned from classes I have taken is writing things down and posting them in an area well traveled in your house is the best way to keep these things in your mind.  Setting goals and tweeking them over time is the best way to keep them attainable.  I have a goal to pay off all of my CC&#039;s in a certain amount of time...you have now motivated me to keep moving on all of my debt after the CC&#039;s are over.]]></description>
		<content:encoded><![CDATA[<p>This was a great motivational post.  One of the things I have learned from classes I have taken is writing things down and posting them in an area well traveled in your house is the best way to keep these things in your mind.  Setting goals and tweeking them over time is the best way to keep them attainable.  I have a goal to pay off all of my CC&#8217;s in a certain amount of time&#8230;you have now motivated me to keep moving on all of my debt after the CC&#8217;s are over.</p>
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		<title>By: reulte</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-785804</link>
		<dc:creator>reulte</dc:creator>
		<pubDate>Mon, 05 Oct 2009 12:03:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-785804</guid>
		<description><![CDATA[Oh my gosh - in 5 years, I&#039;ll be retired from my current job!  In that summer I plan on taking my boy (who&#039;ll be 12) on a road trip of American Culture - from 1500 BCE to early 1900&#039;s, from Washington DC to San Francisco and NOT bounded by the school year.  Of course, there are other goals such as increase physical exercise (I&#039;m a desk jockey), building a freelance editing clientele, building a summer home, developing fluency in my Spanish and French, learning Latin (Quidquid latine dictum sit, altum sonatur*) but the Road Trip is THE goal.

On learning another language, I would suggest no more than an hour daily practice.  Some days, your head fills up in 1/2 hour and that extra 30 minutes gains you nothing.  I would also suggest that you begin reading children&#039;s books in the foreign language to your kids (this doesn&#039;t count as you studying).  They should be easy to find or request at your local library.  Don&#039;t expect your children to start talking to you in French (or whatever language you choose) unless you&#039;re talking to them in French.  I speak a bit of French and Spanish at work and have had housekeepers who spoke Spanish and French since my boy was two.  They proclaimed his childish fluency but no matter how much I spoke to my boy, he&#039;d always say &quot;No!  Momma speak English&quot; until just this past year.  Maybe he was just telling me how bad my accent is  :-) .

*Everything sounds more profound in Latin.]]></description>
		<content:encoded><![CDATA[<p>Oh my gosh &#8211; in 5 years, I&#8217;ll be retired from my current job!  In that summer I plan on taking my boy (who&#8217;ll be 12) on a road trip of American Culture &#8211; from 1500 BCE to early 1900&#8242;s, from Washington DC to San Francisco and NOT bounded by the school year.  Of course, there are other goals such as increase physical exercise (I&#8217;m a desk jockey), building a freelance editing clientele, building a summer home, developing fluency in my Spanish and French, learning Latin (Quidquid latine dictum sit, altum sonatur*) but the Road Trip is THE goal.</p>
<p>On learning another language, I would suggest no more than an hour daily practice.  Some days, your head fills up in 1/2 hour and that extra 30 minutes gains you nothing.  I would also suggest that you begin reading children&#8217;s books in the foreign language to your kids (this doesn&#8217;t count as you studying).  They should be easy to find or request at your local library.  Don&#8217;t expect your children to start talking to you in French (or whatever language you choose) unless you&#8217;re talking to them in French.  I speak a bit of French and Spanish at work and have had housekeepers who spoke Spanish and French since my boy was two.  They proclaimed his childish fluency but no matter how much I spoke to my boy, he&#8217;d always say &#8220;No!  Momma speak English&#8221; until just this past year.  Maybe he was just telling me how bad my accent is  :-) .</p>
<p>*Everything sounds more profound in Latin.</p>
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		<title>By: JonFrance</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-785731</link>
		<dc:creator>JonFrance</dc:creator>
		<pubDate>Mon, 05 Oct 2009 07:44:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-785731</guid>
		<description><![CDATA[I vote for French :-)

In addition to all the reasons Joanna listed, it&#039;s also easier to learn in the US because all region 1 DVDs have a French track on them.  Also you&#039;ve said before that you&#039;d like to spend time living in rural France when you retire; that is not realistic unless you speak French (or are willing to compromise your plans by staying in Paris or a touristy area).

Norwegians are not used to foreginers learning their language and expect to speak English; they also tend speak English better than Frenchmen or Germans because a lot of their American TV programmes are only subtitled, whereas in the larger countries they are dubbed.

I don&#039;t recommend learning French and Spanish at the same time, as you can get them confused, and your progress isn&#039;t as tangible.  Better to learn one, and then use that knowledge to make learning the other easier.]]></description>
		<content:encoded><![CDATA[<p>I vote for French :-)</p>
<p>In addition to all the reasons Joanna listed, it&#8217;s also easier to learn in the US because all region 1 DVDs have a French track on them.  Also you&#8217;ve said before that you&#8217;d like to spend time living in rural France when you retire; that is not realistic unless you speak French (or are willing to compromise your plans by staying in Paris or a touristy area).</p>
<p>Norwegians are not used to foreginers learning their language and expect to speak English; they also tend speak English better than Frenchmen or Germans because a lot of their American TV programmes are only subtitled, whereas in the larger countries they are dubbed.</p>
<p>I don&#8217;t recommend learning French and Spanish at the same time, as you can get them confused, and your progress isn&#8217;t as tangible.  Better to learn one, and then use that knowledge to make learning the other easier.</p>
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		<title>By: Lou</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-785691</link>
		<dc:creator>Lou</dc:creator>
		<pubDate>Mon, 05 Oct 2009 05:24:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-785691</guid>
		<description><![CDATA[Hi Trent,

You should read Your Mortgage: and how to pay it off in five years (by someone who did it in three) by Anita Bell.  It&#039;s great motivation and a great read.  Interestingly, she also wanted to be a novelist and initially couldn&#039;t get published.  She wrote a series of personal finance books and then was able to get published as a childrens author.]]></description>
		<content:encoded><![CDATA[<p>Hi Trent,</p>
<p>You should read Your Mortgage: and how to pay it off in five years (by someone who did it in three) by Anita Bell.  It&#8217;s great motivation and a great read.  Interestingly, she also wanted to be a novelist and initially couldn&#8217;t get published.  She wrote a series of personal finance books and then was able to get published as a childrens author.</p>
]]></content:encoded>
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		<title>By: Shevy</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-785676</link>
		<dc:creator>Shevy</dc:creator>
		<pubDate>Mon, 05 Oct 2009 04:11:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-785676</guid>
		<description><![CDATA[That&#039;s a huge debt repayment in a very short time frame.  You admit it will be hard to achieve the $3,200 per month in the short term.  How will you deal with it if you find you&#039;re falling behind?

And I found it interesting that you were the one who made me aware of LiveMocha, but you didn&#039;t mention it when you talked about learning a foreign language.  They have huge resources and lots of native speakers (all free and available whenever you are) for at least 3 out of the 4 languages you listed.  I&#039;m not sure how much Norwegian material they have, although they&#039;ve recently added Finnish lessons.]]></description>
		<content:encoded><![CDATA[<p>That&#8217;s a huge debt repayment in a very short time frame.  You admit it will be hard to achieve the $3,200 per month in the short term.  How will you deal with it if you find you&#8217;re falling behind?</p>
<p>And I found it interesting that you were the one who made me aware of LiveMocha, but you didn&#8217;t mention it when you talked about learning a foreign language.  They have huge resources and lots of native speakers (all free and available whenever you are) for at least 3 out of the 4 languages you listed.  I&#8217;m not sure how much Norwegian material they have, although they&#8217;ve recently added Finnish lessons.</p>
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		<title>By: Kevin@OutOfYourRut</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-785473</link>
		<dc:creator>Kevin@OutOfYourRut</dc:creator>
		<pubDate>Sun, 04 Oct 2009 17:34:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-785473</guid>
		<description><![CDATA[Cookie (30)--I wondered the same thing, but most web posts that contain a number of variables do seem to wander down one specific path that may not be central to the main point, but anyway...

Here&#039;s my guess on the popularity of the language detour: in addition to being a goal, learning a foreign language is also a diversion, which is kind of fun.  There&#039;s certainly work and dedication required to get there, but not nearly as much as would be the case with paying off $190,000 in debt over five years.  Learning a foreign language seems downright doable compared to that!]]></description>
		<content:encoded><![CDATA[<p>Cookie (30)&#8211;I wondered the same thing, but most web posts that contain a number of variables do seem to wander down one specific path that may not be central to the main point, but anyway&#8230;</p>
<p>Here&#8217;s my guess on the popularity of the language detour: in addition to being a goal, learning a foreign language is also a diversion, which is kind of fun.  There&#8217;s certainly work and dedication required to get there, but not nearly as much as would be the case with paying off $190,000 in debt over five years.  Learning a foreign language seems downright doable compared to that!</p>
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		<title>By: Cookie</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-785370</link>
		<dc:creator>Cookie</dc:creator>
		<pubDate>Sun, 04 Oct 2009 12:51:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-785370</guid>
		<description><![CDATA[I&#039;m suprised that most of the comments are about your goal of learning a new language.    Did everyone miss the part above about paying of 190k in debt in 5 years?  $3200 a month in debt repayment. I&#039;d like to hear more about how you expect to consistently make that for the next 60 months on top of your current income.  I hope you can achieve it, but I&#039;m wondering how reasonable that is.]]></description>
		<content:encoded><![CDATA[<p>I&#8217;m suprised that most of the comments are about your goal of learning a new language.    Did everyone miss the part above about paying of 190k in debt in 5 years?  $3200 a month in debt repayment. I&#8217;d like to hear more about how you expect to consistently make that for the next 60 months on top of your current income.  I hope you can achieve it, but I&#8217;m wondering how reasonable that is.</p>
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		<title>By: MANDOLIN</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-785148</link>
		<dc:creator>MANDOLIN</dc:creator>
		<pubDate>Sun, 04 Oct 2009 00:43:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-785148</guid>
		<description><![CDATA[Hi Trent

I speak french....living in Quebec province (I immigrated here from the states)...it is easy to practice.  If you ever want to chat me up for a lesson I could give introductory lessons via webcam inexpensively we could prehaps even barter.  You just have to give me a shout...and know that my french is french canadian not european.  Which means that I prounce vowels differently and slang is a different ball game here.  There are some french people who think it is not great sounding french but personally I think quebec french is more practical for Americans.  It is much less expensive to take a visit and practice here.  Networking is also easier having a command of french.  Every conference I have gone to since learning to speak fluently a couple of people speak french and they seem to congregate together no matter which country they come from. Its nice. 

My four big goals : Purchasing a condo or house, starting my business successfully and out of the red (which means maintaining part time work for a while), writing my first books (a non-fiction and fiction book which are already started), and losing the last 10 lbs of the 45 I gained while pregnant.]]></description>
		<content:encoded><![CDATA[<p>Hi Trent</p>
<p>I speak french&#8230;.living in Quebec province (I immigrated here from the states)&#8230;it is easy to practice.  If you ever want to chat me up for a lesson I could give introductory lessons via webcam inexpensively we could prehaps even barter.  You just have to give me a shout&#8230;and know that my french is french canadian not european.  Which means that I prounce vowels differently and slang is a different ball game here.  There are some french people who think it is not great sounding french but personally I think quebec french is more practical for Americans.  It is much less expensive to take a visit and practice here.  Networking is also easier having a command of french.  Every conference I have gone to since learning to speak fluently a couple of people speak french and they seem to congregate together no matter which country they come from. Its nice. </p>
<p>My four big goals : Purchasing a condo or house, starting my business successfully and out of the red (which means maintaining part time work for a while), writing my first books (a non-fiction and fiction book which are already started), and losing the last 10 lbs of the 45 I gained while pregnant.</p>
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		<title>By: guinness416</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-785012</link>
		<dc:creator>guinness416</dc:creator>
		<pubDate>Sat, 03 Oct 2009 18:13:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-785012</guid>
		<description><![CDATA[It&#039;s pretty rough coming to this site the last few days and seeing those awful teeth ads on the top right every time.  Not sure anyone else cares, but I think they&#039;re horrible.  Anyway ....

They always say we overestimate what we can do in a year and underestimate what we can do in five years.  I like the notion of asking &quot;what am I doing this month to advance this goal&quot;.  

French is definitely on the &quot;easy&quot; end of languages to learn for most of us, just because of how much of it is around, but I&#039;m learning quite a minority language in Bengali (and keep up with my home language of Irish too).  It would be very tough without having my husband and his family to practice with and bounce questions off, just reading ain&#039;t the same.  Not sure how you&#039;d go about getting conversational practice in Norwegian in Iowa (?) but you never know.]]></description>
		<content:encoded><![CDATA[<p>It&#8217;s pretty rough coming to this site the last few days and seeing those awful teeth ads on the top right every time.  Not sure anyone else cares, but I think they&#8217;re horrible.  Anyway &#8230;.</p>
<p>They always say we overestimate what we can do in a year and underestimate what we can do in five years.  I like the notion of asking &#8220;what am I doing this month to advance this goal&#8221;.  </p>
<p>French is definitely on the &#8220;easy&#8221; end of languages to learn for most of us, just because of how much of it is around, but I&#8217;m learning quite a minority language in Bengali (and keep up with my home language of Irish too).  It would be very tough without having my husband and his family to practice with and bounce questions off, just reading ain&#8217;t the same.  Not sure how you&#8217;d go about getting conversational practice in Norwegian in Iowa (?) but you never know.</p>
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		<title>By: Amanda</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-784911</link>
		<dc:creator>Amanda</dc:creator>
		<pubDate>Sat, 03 Oct 2009 13:24:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-784911</guid>
		<description><![CDATA[Trent, try submitting your short stories for publication in magazines. This at least will get you to focus on what genre you&#039;re best at. You&#039;ll see what editors think, or if you&#039;re just getting standard, xeroxed rejection slips (meaning that your stories need more work). People that publish non-fiction can give you general advice, but there is little cross-over in the industry (fiction &amp; non-fiction)...though I&#039;m sure the non-fiction publishers will love to act like they&#039;re the best source of info...it&#039;s just what we do! ;) It&#039;s time to start developing/working within a market to get your stories ready for what readers want to read. This is the biggest problem in fiction/publishing today...editors are totally disconnected from what readers want to read (i.e. what they think is quality isn&#039;t generally what the public enjoys), yet they know great storytelling when they see it &amp; they will buy it. Some houses are better than others at this. I would do your own research directly in bookstores (talk to indy bookstore owners maybe...not used bookstores, btw.) Also, see if you can isolate some authors that are similar to what you&#039;re writing or what you would like to write &amp; get their bookscan numbers...your publisher may come in handy here. Librarians are also an excellent source of info. on what people actually like to read. Their buying sense is incredibilly honed &amp; they&#039;re usually very up on trens &amp; love to share info. Good luck!]]></description>
		<content:encoded><![CDATA[<p>Trent, try submitting your short stories for publication in magazines. This at least will get you to focus on what genre you&#8217;re best at. You&#8217;ll see what editors think, or if you&#8217;re just getting standard, xeroxed rejection slips (meaning that your stories need more work). People that publish non-fiction can give you general advice, but there is little cross-over in the industry (fiction &amp; non-fiction)&#8230;though I&#8217;m sure the non-fiction publishers will love to act like they&#8217;re the best source of info&#8230;it&#8217;s just what we do! ;) It&#8217;s time to start developing/working within a market to get your stories ready for what readers want to read. This is the biggest problem in fiction/publishing today&#8230;editors are totally disconnected from what readers want to read (i.e. what they think is quality isn&#8217;t generally what the public enjoys), yet they know great storytelling when they see it &amp; they will buy it. Some houses are better than others at this. I would do your own research directly in bookstores (talk to indy bookstore owners maybe&#8230;not used bookstores, btw.) Also, see if you can isolate some authors that are similar to what you&#8217;re writing or what you would like to write &amp; get their bookscan numbers&#8230;your publisher may come in handy here. Librarians are also an excellent source of info. on what people actually like to read. Their buying sense is incredibilly honed &amp; they&#8217;re usually very up on trens &amp; love to share info. Good luck!</p>
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		<title>By: anca</title>
		<link>http://www.thesimpledollar.com/2009/10/02/painting-a-specific-future-and-figuring-out-how-to-get-there/#comment-784907</link>
		<dc:creator>anca</dc:creator>
		<pubDate>Sat, 03 Oct 2009 13:18:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=4365#comment-784907</guid>
		<description><![CDATA[i loved this post of yours! i understand your desire to learn Norwegian, i also wanted to learn Swedish but i gave up because everyone knows English there. this is a big challenge i have: most people in this world are fluent in English - me too. i read and use English more often than my mother tongue that i got to know English better than Romanian! i try to practice German and French more often because they are spoken a lot in Europe- and you reminded me of this goal. 

other goals i have is to finish my education, increase my emergency fund and have a company of my own one day- in robotics.]]></description>
		<content:encoded><![CDATA[<p>i loved this post of yours! i understand your desire to learn Norwegian, i also wanted to learn Swedish but i gave up because everyone knows English there. this is a big challenge i have: most people in this world are fluent in English &#8211; me too. i read and use English more often than my mother tongue that i got to know English better than Romanian! i try to practice German and French more often because they are spoken a lot in Europe- and you reminded me of this goal. </p>
<p>other goals i have is to finish my education, increase my emergency fund and have a company of my own one day- in robotics.</p>
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