This morning on NBC news, I saw a story that was affectionately called "yogurt-gate." (I couldn't find a link to the NBC story, but here's a link to a similar story)
It seems a group of college students in Denver, Co. were close to the President and shaking his hand as he went by. Suddenly, the President's pants were covered with yogurt. The story tells that the young woman (later identified as Kolbi Zerbest) spilled the yogurt.
In the interview this morning, Miss Zerbest explained that she had placed her yogurt on a pole and the paparazzi hit the pole, spilling the yogurt. She also said that "technically, it was (her) fault."
So, who's responsible? Miss Zerbest accepted the responsibility. Why would I bother to blog about this? Because I want people to realize that they have responsibility. When Miss Zerbest purchased the yogurt, she became responsible for it. She should have placed it in a location where it was safe.
Spilling yogurt, even on the President, isn't a big deal, but too often people don't accept responsibility. Instead they quickly say "it wasn't my fault." I have to confess, I've even been guilty of this at times. But if you accept responsibility, and treat every situation as potentially volatile, you might not spill your yogurt.
Showing posts with label family. Show all posts
Showing posts with label family. Show all posts
Wednesday, April 25, 2012
Tuesday, January 03, 2012
Do sweat the small stuff
Sometime back, a popular saying was "Don't sweat the small stuff". This was usually followed by the corollary, "and it's all small stuff." Lately, this has been on my mind a lot, or more correctly, the opposite has been on my mind - "do sweat the small stuff."
It's by sweating the small stuff - mastering those seemingly meaningless tasks - that we gain the abilities we need to do the big stuff. In his book "Outliers", Malcom Gladwell mentioned the "10,000 hour rule claiming that the key to success in any field is, to a large extent, a matter of practicing a specific task for a total of around 10,000 hours." That seems like a lot of time to become a master, but if you look at it as 40 hrs/wk for 5 years, that seems to fit accreditation requirements in a lot of jobs. Five years to become an "expert" seems reasonable. Five years of sweating the small stuff doesn't seem that ridiculous. Gladwell points to The Beatles and Bill Gates as examples of his "10,000 hour rule" (read the book for more details).
When my kids were young, we handed out chores. We started with small tasks, for example cleaning there room with our help, and expanded to bigger tasks (loading the dish-washer, cutting grass). In our work lives, we typically follow a similar process, working with co-workers at first, then leading projects. By sweating the small stuff, we show our employers that we are capable of moving on to bigger stuff.
It turns out this idea is not new, I didn't invent it and neither did Gladwell. I keep repeating Matthew 25:23 which says "You have been faithful with a few things; I will put you in charge of many things."
Sweating the small stuff means different things to different people. It may mean showing up on time for a job that you really don't like. It may mean a little extra polish in the spit-and-polish (and a little less spit). It may just mean doing the things you know need to be done without expecting any recognition.
What does sweating the small things mean to you?
It's by sweating the small stuff - mastering those seemingly meaningless tasks - that we gain the abilities we need to do the big stuff. In his book "Outliers", Malcom Gladwell mentioned the "10,000 hour rule claiming that the key to success in any field is, to a large extent, a matter of practicing a specific task for a total of around 10,000 hours." That seems like a lot of time to become a master, but if you look at it as 40 hrs/wk for 5 years, that seems to fit accreditation requirements in a lot of jobs. Five years to become an "expert" seems reasonable. Five years of sweating the small stuff doesn't seem that ridiculous. Gladwell points to The Beatles and Bill Gates as examples of his "10,000 hour rule" (read the book for more details).
When my kids were young, we handed out chores. We started with small tasks, for example cleaning there room with our help, and expanded to bigger tasks (loading the dish-washer, cutting grass). In our work lives, we typically follow a similar process, working with co-workers at first, then leading projects. By sweating the small stuff, we show our employers that we are capable of moving on to bigger stuff.
It turns out this idea is not new, I didn't invent it and neither did Gladwell. I keep repeating Matthew 25:23 which says "You have been faithful with a few things; I will put you in charge of many things."
Sweating the small stuff means different things to different people. It may mean showing up on time for a job that you really don't like. It may mean a little extra polish in the spit-and-polish (and a little less spit). It may just mean doing the things you know need to be done without expecting any recognition.
What does sweating the small things mean to you?
Saturday, December 03, 2011
When Hubert met Rose
This is the story of how my father-in-law was introduced to my mother-in-law. I've heard the story told numerous times and it always warmed my heart.
The story starts in 1955, when Hubert Lawrence became a widow. He and his 17 year old son Tommy were living alone after the death of his first wife Della. Tommy worked at a local mill as a doffer, someone who replaced bobbins in the machines where the (mostly) ladies were sewing. One of those ladies was Rose.
Apparently, Tommy had a mischievous streak. Something that he did aggravated Rose that day and she told him "I'd like to be your mother for just one day." It's never been clear to me if she knew his mother had died a few weeks earlier or not, but I can just imagine her pointing her crooked finger at him as she said it (her finger probably wasn't crooked then, but it was all the time I knew her).
That night, Tommy told his father that there was a lady at the mill who wanted to meet him. So Hubert went to meet Rose at the boarding house where she lived. When she told the story about his big shoes clomping up the stairs to the porch, you could hear the sound it made.
About five weeks later (sometimes this was as short as five days when Rose told the story) he picked her up in his car to take her for a ride. When she asked where they were going he replied "to get a marriage license." I guess that served as a proposal.
Her answer was a simple "oh, ok" (which I guess meant "yes") and a day later they were married at the preacher's house. Unknown to them at the time, her brother Claude got married the same day in the next state about 45 miles away.
Now some will question the romance of this short courtship, but somehow it must have worked. Hubert and Rose were married just short of 40 years before he passed away on Dec 3, 1994. She lived alone for 17 years and her blue eyes always sparkled when she told this story. On November 26, 2011, Rose met Hubert again in heaven.
The story starts in 1955, when Hubert Lawrence became a widow. He and his 17 year old son Tommy were living alone after the death of his first wife Della. Tommy worked at a local mill as a doffer, someone who replaced bobbins in the machines where the (mostly) ladies were sewing. One of those ladies was Rose.
Apparently, Tommy had a mischievous streak. Something that he did aggravated Rose that day and she told him "I'd like to be your mother for just one day." It's never been clear to me if she knew his mother had died a few weeks earlier or not, but I can just imagine her pointing her crooked finger at him as she said it (her finger probably wasn't crooked then, but it was all the time I knew her).
That night, Tommy told his father that there was a lady at the mill who wanted to meet him. So Hubert went to meet Rose at the boarding house where she lived. When she told the story about his big shoes clomping up the stairs to the porch, you could hear the sound it made.
About five weeks later (sometimes this was as short as five days when Rose told the story) he picked her up in his car to take her for a ride. When she asked where they were going he replied "to get a marriage license." I guess that served as a proposal.
Her answer was a simple "oh, ok" (which I guess meant "yes") and a day later they were married at the preacher's house. Unknown to them at the time, her brother Claude got married the same day in the next state about 45 miles away.
Now some will question the romance of this short courtship, but somehow it must have worked. Hubert and Rose were married just short of 40 years before he passed away on Dec 3, 1994. She lived alone for 17 years and her blue eyes always sparkled when she told this story. On November 26, 2011, Rose met Hubert again in heaven.
Friday, November 11, 2011
My mom will be homeless at Thanksgiving
If all goes as planned, my mom will be homeless in just under two weeks. It's not as bad as it sounds, she's selling her duplex with the plan of moving into an assisted living center in the near future (in the mean time, she'll shuttle between my two sisters' houses). So for a while, she will be homeless.
Several years ago, several people asked mom where she was going for Thanksgiving dinner. They knew that she was widowed and her six kids were scattered across multiple states (and maybe even one of the Pacific Ocean island-nations depending on the year). They also knew that she visited her kids regularly and was seldom alone. She proudly responded that she was going to the Salvation Army. This horrified her friends who immediately invited her to their house for turkey. She laughed as she explained that she would be serving meals to the homeless. All of us kids were disappointed that she didn't come to our house, but we understood her need to serve.
Mom's always been one to see others that were less fortunate. Growing up we didn't have a lot, but when we outgrew clothes, we passed them to one of the local charities (if there was no one to pass them down to). She knew that there were people who could make use of them.
So, hats off to mom - I hope I can be the servant she has been.
Several years ago, several people asked mom where she was going for Thanksgiving dinner. They knew that she was widowed and her six kids were scattered across multiple states (and maybe even one of the Pacific Ocean island-nations depending on the year). They also knew that she visited her kids regularly and was seldom alone. She proudly responded that she was going to the Salvation Army. This horrified her friends who immediately invited her to their house for turkey. She laughed as she explained that she would be serving meals to the homeless. All of us kids were disappointed that she didn't come to our house, but we understood her need to serve.
Mom's always been one to see others that were less fortunate. Growing up we didn't have a lot, but when we outgrew clothes, we passed them to one of the local charities (if there was no one to pass them down to). She knew that there were people who could make use of them.
So, hats off to mom - I hope I can be the servant she has been.
Tuesday, August 16, 2011
Payday loans in Missouri
I saw some articles today about payday loans in Missouri and it touched me off. Seems that in Missouri there are "325 McDonald's restaurants, 157 Starbucks coffee outlets and 1,040 payday loan stores." (as of 2010. source: Bankrate article). Now my personal opinion is that Starbucks is overpriced, but I'm thinking 10 times as many Payday lending stores as Starbucks is a little much. And you can always get things on the dollar menu at McDonalds.
In reality, the article was NOT drawing a conclusion about the number of McDonalds and Starbucks vs payday lending, it was just comparing numbers in terms that most people can relate to. The goal is to get you to say "gee, that's way too many payday lending stores." So why would there be so many? Well to quote a well-known bank robber who was asked why he robbed banks - "because that's where the money is" (Wikipedia). Payday lenders flock to Missouri because they know they can make a good profit. "The APR allowed by Missouri’s statutes of 1,950% based on a two-week loan of $10" (BBB paper)
The same BBB paper indicates there are some nursing homes that have payday lending companies at the homes. The article doesn't mention if they loan money to the residents (let's hope not), but they do loan to workers, then allow them to pay back with payroll deductions. I'm reminded of the Tennessee Ernie Ford song "Sixteen Tons" which said "I owe my soul to the company store." (Video here)
In reality, the article was NOT drawing a conclusion about the number of McDonalds and Starbucks vs payday lending, it was just comparing numbers in terms that most people can relate to. The goal is to get you to say "gee, that's way too many payday lending stores." So why would there be so many? Well to quote a well-known bank robber who was asked why he robbed banks - "because that's where the money is" (Wikipedia). Payday lenders flock to Missouri because they know they can make a good profit. "The APR allowed by Missouri’s statutes of 1,950% based on a two-week loan of $10" (BBB paper)
The same BBB paper indicates there are some nursing homes that have payday lending companies at the homes. The article doesn't mention if they loan money to the residents (let's hope not), but they do loan to workers, then allow them to pay back with payroll deductions. I'm reminded of the Tennessee Ernie Ford song "Sixteen Tons" which said "I owe my soul to the company store." (Video here)
Tuesday, August 09, 2011
What do you do with your money?
Back in the last century (1990's), I attended a 6-week workshop titled "Master Your Money." Maybe it was a symptom of where I was in my life at the time, but it struck me then, and several times since, as the best approach to personal financial management I've ever seen. That's not to knock some of the others like Larry Burkett or Dave Ramsey (who recently acknowledged both Burkett and Blue in his Great Recovery presentation). And I'm currently following Joe Sangl (see my post here), who credits Dave Ramsey for a lot of his ideas. But Blue's approach focused on tracking spending, not just budgeting. I was so impressed I took the course twice, then taught it around a half dozen times. The course is dated now, but still has some great ideas.
Ron Blue said there are basically four things you can do with money: 1) Give it away, 2) pay taxes {groan}, 3) repay debt and 4) spend it. Anything left over after these four constitutes your cash margin which can be used to accomplish your long range objectives. Only by increasing the cash margin can you really make a difference in your long term plans. Once Blue walks you through tracking your past expenses, he asks a Dr. Phil question - "How's that working out for you?" (Ok, he really didn't ask that back in 1990, but he could have). Blue asks you to look at each area of your expenditures and determine if you want that to go up or go down. Would you like to give more or less over the next few months? Do you want to spend more or less on eating out? Do you want to pay more or less in credit card interest?
Another focal point I learned from Ron Blue's course was that there are no independent financial decisions. Every dollar you spend at McDonald's is a dollar you can't spend on a new house. A dollar spent on wine can't be spent on books. And a dollar spent on cigarettes can't be spent on clothes. He calls this integrated planning and says it's the "allocation of limited resources to unlimited alternatives." (Joe Sangl says that Income minus Outgo must equal Exactly Zero or I-O=EZ - he's so proud of that idea he trademarked it).
A couple of months back, I told you (if you read my blog here) that you would probably earn $1million in your lifetime. The question is, what will you do with it? Dave Ramsey says you can go through life "like Gomer Pyle on valium" or you can track and plan your life. Which will you do?
Ron Blue said there are basically four things you can do with money: 1) Give it away, 2) pay taxes {groan}, 3) repay debt and 4) spend it. Anything left over after these four constitutes your cash margin which can be used to accomplish your long range objectives. Only by increasing the cash margin can you really make a difference in your long term plans. Once Blue walks you through tracking your past expenses, he asks a Dr. Phil question - "How's that working out for you?" (Ok, he really didn't ask that back in 1990, but he could have). Blue asks you to look at each area of your expenditures and determine if you want that to go up or go down. Would you like to give more or less over the next few months? Do you want to spend more or less on eating out? Do you want to pay more or less in credit card interest?
Another focal point I learned from Ron Blue's course was that there are no independent financial decisions. Every dollar you spend at McDonald's is a dollar you can't spend on a new house. A dollar spent on wine can't be spent on books. And a dollar spent on cigarettes can't be spent on clothes. He calls this integrated planning and says it's the "allocation of limited resources to unlimited alternatives." (Joe Sangl says that Income minus Outgo must equal Exactly Zero or I-O=EZ - he's so proud of that idea he trademarked it).
A couple of months back, I told you (if you read my blog here) that you would probably earn $1million in your lifetime. The question is, what will you do with it? Dave Ramsey says you can go through life "like Gomer Pyle on valium" or you can track and plan your life. Which will you do?
Monday, August 08, 2011
Vacation - a time of rejevenation
Last week, I went to the beach (Myrtle) on a family vacation. We've done this before, but it's been a couple of years. With my wife, our five children, four children-in-laws, 5 year old grandson, four 2year old granddaughters, one 3week old granddaughter, close friends, their 5 year old daughter, 13 year old niece, sister, son's friends (age 21) and daughter-in-law's mother, we had a house full (for the record, not everyone was there all week).
The 2 year olds behaved like you'd think 2year olds would behave, immeasurably cute one minute, complete melt-down when they were told no. Grandma and grandpa don't say no very often, so I suspect parents will have to readjust some this week.
As we did on our last big family vacation, we let our kids cook for us. Each one chose a night. This time, we also specified that they had to clean also (lesson learned 2 years ago). This worked well, with even the 21year old and his friends cooking (burgers, infused with bacon and cheese - my cholesterol is up).
One family member twisted my arm and asked for a photo shoot - posed pictures of their two year old. My goal is to do these photo shoots regularly for all of the grand-kids.
The family largely obeyed my censorship demand - no facebook or tweets about vacation until it was over (thank you very much). I felt it better if 99% of the US didn't know that we left our house unattended. Yes, we had a neighbor watching the house and we had two different people who came by while we were gone (for two very different reasons), but I still felt better not having the social network communities broadcasting my vacation plans.
As a result of a relaxing week at the beach, I plan to restart my blog - or reboot (a new use for a word I've known a long time from a description of the new movie Planet of the Apes - see here)
Over the next few weeks, expect to see posts on family, the economy, education (courtesy vacation discussion), politics and personal finance. As usual, I won't stick to a single topic. And your comments are always welcome.
The 2 year olds behaved like you'd think 2year olds would behave, immeasurably cute one minute, complete melt-down when they were told no. Grandma and grandpa don't say no very often, so I suspect parents will have to readjust some this week.
As we did on our last big family vacation, we let our kids cook for us. Each one chose a night. This time, we also specified that they had to clean also (lesson learned 2 years ago). This worked well, with even the 21year old and his friends cooking (burgers, infused with bacon and cheese - my cholesterol is up).
One family member twisted my arm and asked for a photo shoot - posed pictures of their two year old. My goal is to do these photo shoots regularly for all of the grand-kids.
The family largely obeyed my censorship demand - no facebook or tweets about vacation until it was over (thank you very much). I felt it better if 99% of the US didn't know that we left our house unattended. Yes, we had a neighbor watching the house and we had two different people who came by while we were gone (for two very different reasons), but I still felt better not having the social network communities broadcasting my vacation plans.
As a result of a relaxing week at the beach, I plan to restart my blog - or reboot (a new use for a word I've known a long time from a description of the new movie Planet of the Apes - see here)
Over the next few weeks, expect to see posts on family, the economy, education (courtesy vacation discussion), politics and personal finance. As usual, I won't stick to a single topic. And your comments are always welcome.
Thursday, June 30, 2011
What would you do with $1million
I think I saw this question on Facebook recently (I never respond to these types of things) and today was reading a few financial blogs that explored similar territory. Most of us (myself included) like to daydream about what we'd do if Ed McMahon told us we'd won the Publisher's Clearinghouse or what we'd do if Bill Gates suddenly included us as one of his charties.
But it struck me that most of the people reading this WILL have $1million in their lifetime. If you work from age 25 (assuming a late start) to age 65 and make an average of $25,000 a year, you will have earned $1million. That's only about $12.50/hour.
So, what will you do with the $1million you will earn?
But it struck me that most of the people reading this WILL have $1million in their lifetime. If you work from age 25 (assuming a late start) to age 65 and make an average of $25,000 a year, you will have earned $1million. That's only about $12.50/hour.
So, what will you do with the $1million you will earn?
Wednesday, June 29, 2011
How much trouble can we get into?
My friends over at ChristianPF did a blog post on why it's important to have $1000 set aside in an emergency fund. I commented that sometimes that's not enough and other agreed. I was reminded of the first time I saw this, although at age 10 I know I didn't understand it.
My older brother and his roommate were preparing to take me for a weekend of sailing on a local lake. They loaded up the sailboat, a tent and camping supplies for the weekend and the three of us (and their dog) were ready to go. Just before we left, my brother asked his room-mate how much cash they had. They totaled the bills in their wallets and my brother said "how much trouble can we get into?"
When we got to the lake, we took binoculars and found an island suitable for camping. We prepared to sail to the island and realized we'd left the rudder and daggerboard back home. Not good for sailing. We decided to paddle the sailboat to the island, my brother and I would set up camp while his roommate made a trip back home for the pickup. When the roommate got back, he flashed his headlights at us (no cellphones) and my brother set out paddling to pick him up.
Did you know there are laws preventing the use of boats on the water after dark without lights? In hindsight, this seems like a good idea, but at the time we didn't know. My brother was picked up by some sort of lake patrol who escorted him back to our island. Since I was watching I knew something bad was going on, so I picked the only defensive weapon I could find, an axe, and went to defend my brother. I'm sure the lake patrol thought it was funny, to be greeted by a 10 year old boy with an ax.
The fines were due immediately and my brother paid them. The lake patrol took him to get his roommate, which created another funny story, but not for today. The next day, we sailed the lake without problems.
The moral of the story is to always think "how much trouble can we get into?" Car troubles can easily run into hundreds of dollars and if you need your car for work, that's an emergency. Heat/AC troubles can exceed $1000 and in SC weather, a breakdown can be an emergency (and we frequently use both in the same week in spring/fall). The question of how much you need in an emergency fund is based on "how much trouble can we get into?" If you rent an apartment, you can probably get into less trouble than a homeowner.
My older brother and his roommate were preparing to take me for a weekend of sailing on a local lake. They loaded up the sailboat, a tent and camping supplies for the weekend and the three of us (and their dog) were ready to go. Just before we left, my brother asked his room-mate how much cash they had. They totaled the bills in their wallets and my brother said "how much trouble can we get into?"
When we got to the lake, we took binoculars and found an island suitable for camping. We prepared to sail to the island and realized we'd left the rudder and daggerboard back home. Not good for sailing. We decided to paddle the sailboat to the island, my brother and I would set up camp while his roommate made a trip back home for the pickup. When the roommate got back, he flashed his headlights at us (no cellphones) and my brother set out paddling to pick him up.
Did you know there are laws preventing the use of boats on the water after dark without lights? In hindsight, this seems like a good idea, but at the time we didn't know. My brother was picked up by some sort of lake patrol who escorted him back to our island. Since I was watching I knew something bad was going on, so I picked the only defensive weapon I could find, an axe, and went to defend my brother. I'm sure the lake patrol thought it was funny, to be greeted by a 10 year old boy with an ax.
The fines were due immediately and my brother paid them. The lake patrol took him to get his roommate, which created another funny story, but not for today. The next day, we sailed the lake without problems.
The moral of the story is to always think "how much trouble can we get into?" Car troubles can easily run into hundreds of dollars and if you need your car for work, that's an emergency. Heat/AC troubles can exceed $1000 and in SC weather, a breakdown can be an emergency (and we frequently use both in the same week in spring/fall). The question of how much you need in an emergency fund is based on "how much trouble can we get into?" If you rent an apartment, you can probably get into less trouble than a homeowner.
Wednesday, June 22, 2011
Regrets, I've had a few... too few to mention
The subject line is from a song sang by many different people, best done by Frank Sinatra. It ends with the line "I did it my way." The song comes to mind every now and then, not for the ending, but for the line I put in the title, the line about regrets.
I've always said I lived my life without regrets. I think most people feel that way. The country group Rascal Flatts sings about it in their song "God blessed the broken road that led me straight to you." Even the bad things in life have a way of working out. Darius Rucker's song "This" says "maybe it didn't turn out like I planned, maybe that's why I'm such, such a lucky man" says the same thing. Without the bad things in my life, I wouldn't be where I am today. The things that don't kill you make you stronger. All of those kinds of ideas.
So of all the bad things that have happened in the past, all of the mistakes I've made and all of the really, really stupid things I've done, all of those were good? Is that the rational conclusion of all of this? Or maybe, just maybe I SHOULD have some regrets?
Just thinking right now, more to come....
I've always said I lived my life without regrets. I think most people feel that way. The country group Rascal Flatts sings about it in their song "God blessed the broken road that led me straight to you." Even the bad things in life have a way of working out. Darius Rucker's song "This" says "maybe it didn't turn out like I planned, maybe that's why I'm such, such a lucky man" says the same thing. Without the bad things in my life, I wouldn't be where I am today. The things that don't kill you make you stronger. All of those kinds of ideas.
So of all the bad things that have happened in the past, all of the mistakes I've made and all of the really, really stupid things I've done, all of those were good? Is that the rational conclusion of all of this? Or maybe, just maybe I SHOULD have some regrets?
Just thinking right now, more to come....
Friday, March 18, 2011
It's an odd month - Have you checked your credit report?
I decided a few years ago that I was going to check my credit report regularly. Each person is allowed to check once per year with each of the three agencies, and rather than pull them all at once, I like to spread them out. Combined with my wife, we can pull a credit report every other month. So, if you pull reports in odd months (January, March, May, etc), you'll be following my plan.
While there is a commercial with a catchy tune and funny costumes, regardless what they say their credit report isn't free. You end up signing up for a service. Instead what you want to do is go to www.annualcreditreport.com. Once there, you'll fill in your state, then some basic information. One option I highly recommend specifies that on printed reports, only the last 4 digits of your social security number are printed. You may not print your reports (I do), but there's no sense printing on paper, on disk or even on the screen your full social any more than required.
Next you'll select one of the three agencies. This could cause some people some grief. "Which one do I pull first?" you might be saying. The answer is simple - any one you want. If you haven't pulled a report in the last year, my suggestion is to take the one at the top. If you've pulled that report, take the second on the list. The order may change, so don't count on it being the same next time, write down which report you pulled.
Once you've selected an agency, you'll be taken directly to that agency. Here you'll be asked some questions to verify that you really are you. You may be asked about old addresses, old accounts, details on your mortgage or recent credit changes. It might be best to have access to your records at this point, to know what your mortgage payment is, who your banker is and where you have accounts.
Once you get your credit report, you should review it carefully, If you find mistakes, you should call to find out details on the mistake. If you want the information corrected, don't settle for a call, write the owners of the account. My approach is to write to the owners first, then write to the credit agency if I don't get resolution. You could write to both at the same time.
I keep a copy of the credit report, at least until I pull another one from the same agency (a year later). You may decide not to keep a copy on paper, but I'd recommend keeping a copy on disk in that case.
While there is a commercial with a catchy tune and funny costumes, regardless what they say their credit report isn't free. You end up signing up for a service. Instead what you want to do is go to www.annualcreditreport.com. Once there, you'll fill in your state, then some basic information. One option I highly recommend specifies that on printed reports, only the last 4 digits of your social security number are printed. You may not print your reports (I do), but there's no sense printing on paper, on disk or even on the screen your full social any more than required.
Next you'll select one of the three agencies. This could cause some people some grief. "Which one do I pull first?" you might be saying. The answer is simple - any one you want. If you haven't pulled a report in the last year, my suggestion is to take the one at the top. If you've pulled that report, take the second on the list. The order may change, so don't count on it being the same next time, write down which report you pulled.
Once you've selected an agency, you'll be taken directly to that agency. Here you'll be asked some questions to verify that you really are you. You may be asked about old addresses, old accounts, details on your mortgage or recent credit changes. It might be best to have access to your records at this point, to know what your mortgage payment is, who your banker is and where you have accounts.
Once you get your credit report, you should review it carefully, If you find mistakes, you should call to find out details on the mistake. If you want the information corrected, don't settle for a call, write the owners of the account. My approach is to write to the owners first, then write to the credit agency if I don't get resolution. You could write to both at the same time.
I keep a copy of the credit report, at least until I pull another one from the same agency (a year later). You may decide not to keep a copy on paper, but I'd recommend keeping a copy on disk in that case.
Monday, March 14, 2011
Happy Pi day
Ok, I know I can be a bit of a nerd, but when two of the people in my family don't even get it when I send a text that says "Happy Pi Day", something's wrong. They had even seen comments (likely on Facebook, likely from teachers) talking about celebrating Pi Day and still didn't get it.
For those who don't know, Pi is one of those "special" numbers in math. They seem to turn up over and over, so someone, somewhere named it. Pi is used to determine the area of a circle. Most have heard the joke, Pi are squared - no Pi are round.
Anyway, the value if Pi is 3.14. Today is 3/14. Notice the similarity? Today, I was reminded of Pi day by an entry on Wikihow explaining how to celebrate Pi day. What better way than with a pie? They show some pictures with the symbol for Pi on the pie. Or maybe the numbers for Pi on the pie. Either approach is acceptable. If you want to get technical about it, you should celebrate the exact minute, at 1:59 today.
While I've never celebrated Pi day before, I think it's a good idea. We've celebrated Ground Hog day at my house along with some other obscure holidays. Any holiday focused on a desert can't be a bad idea. So, maybe I'll go out and buy a Pi (or is that buy a pie?) today. Apple sounds really good right about now.
Happy Pi Day everyone!
(I should also wish my brother and his wife a happy birthday. I wonder how long it took them to find someone with the same birthday to marry?)
For those who don't know, Pi is one of those "special" numbers in math. They seem to turn up over and over, so someone, somewhere named it. Pi is used to determine the area of a circle. Most have heard the joke, Pi are squared - no Pi are round.
Anyway, the value if Pi is 3.14. Today is 3/14. Notice the similarity? Today, I was reminded of Pi day by an entry on Wikihow explaining how to celebrate Pi day. What better way than with a pie? They show some pictures with the symbol for Pi on the pie. Or maybe the numbers for Pi on the pie. Either approach is acceptable. If you want to get technical about it, you should celebrate the exact minute, at 1:59 today.
While I've never celebrated Pi day before, I think it's a good idea. We've celebrated Ground Hog day at my house along with some other obscure holidays. Any holiday focused on a desert can't be a bad idea. So, maybe I'll go out and buy a Pi (or is that buy a pie?) today. Apple sounds really good right about now.
Happy Pi Day everyone!
(I should also wish my brother and his wife a happy birthday. I wonder how long it took them to find someone with the same birthday to marry?)
Sunday, March 13, 2011
Western Sky
Today I saw an ad for Westernsky.com. This is a company owned and operated by Native Americans. The ad offered about $2500 in a loan. They will put the money in your checking account overnight. No collateral is required and there are no fees for early pay off.
I was curious, this sounded suspiciously like payday loans I talked about here or the Cashwell company I talked about here. When I found their website, I saw that they claim to have lower rates than payday loans. From looking at their rates, they are lower than Cashwell.
But they aren't cheap. For a loan of $2525, you'll pay a $75 fee right off the bat. Then you start paying almost 140% in interest. If you pay it off over the required 36 months, you'll pay over $10,000.
The website explains that Western Sky operates "within the boundaries of the Cheyenne River Sioux Reservation, a sovereign nation located within the" USA. I don't know if that means they operate under different rules. I wonder if they can pursue US citizens who don't pay them in the same way US companies. Or maybe they get to play under US rules in some cases and their own rules in other cases.
It would scare me to work with a company that might not operate under US laws. It would scare me even more to pay 140% interest. (I should note that this was their least offensive loan. If you only borrow $1000, you'll pay almost 195% interest)
I was curious, this sounded suspiciously like payday loans I talked about here or the Cashwell company I talked about here. When I found their website, I saw that they claim to have lower rates than payday loans. From looking at their rates, they are lower than Cashwell.
But they aren't cheap. For a loan of $2525, you'll pay a $75 fee right off the bat. Then you start paying almost 140% in interest. If you pay it off over the required 36 months, you'll pay over $10,000.
The website explains that Western Sky operates "within the boundaries of the Cheyenne River Sioux Reservation, a sovereign nation located within the" USA. I don't know if that means they operate under different rules. I wonder if they can pursue US citizens who don't pay them in the same way US companies. Or maybe they get to play under US rules in some cases and their own rules in other cases.
It would scare me to work with a company that might not operate under US laws. It would scare me even more to pay 140% interest. (I should note that this was their least offensive loan. If you only borrow $1000, you'll pay almost 195% interest)
Monday, February 14, 2011
Twenty-one years ago
Twenty-one years ago, my wife was pregnant with what was to be our third child. Everyone (except me) thought it would be sweet if the child was born on Valentines Day. We woke up that morning with my wife thinking this was the day. We hurriedly got our two girls up and gave them their Valentines presents, knowing we may not be home that night. Then we called a neighbor to take care of the girls before and after school.
We hadn't chosen a girl's name yet (which turned out not to be a problem). I had decided that if the child was a boy, he should inherit my middle name as his middle name. I hadn't made that decision with the first two, which was ok, since both girls would have seemed silly with James as a middle name. During the labor process, my wife thought about changing the first name, but all her choices started with "J" and the idea of JJ just didn't seem right. Little did we know, even without the JJ moniker, we were due for some dynamite (the link shows my age).
A few hours later, we were in the delivery room, still with no girl's name, but at least settled on a boy's name. Ultrasounds were not common and we didn't know what to expect. We had experienced similar but opposite problems the first two times around (no boy's name chosen back then). When our pediatrician told use we had a "little Muggsy", we knew we didn't have a problem this time either. I guess with what the doctor charged for his short time in the room, he could afford to be a big Hornet's fan.
After the birth, I went to the nurse's station to get some ice & water. OB nurses are always excited and asked "what did you have?" New dads (even experienced new dads like me) can be counted on to say something stupid, my answer was "just some water." After they laughed and explained their question better, I told them we had a boy.
Today, my youngest celebrates his big day. We've been through a lot together. I have the privilege of taking him on baseball trips every few years, camping now and then and other father-son experiences. He's seen enough changes to last him a lifetime, but I'm sure more changes are on their way. Hopefully, these changes have prepared him for a bright future. He certainly deserves it.
Adam is now a student, a bass player in a Christian band (when he can), and more than that, a young man. Happy Birthday Adam! Enjoy your special day. We love you.
We hadn't chosen a girl's name yet (which turned out not to be a problem). I had decided that if the child was a boy, he should inherit my middle name as his middle name. I hadn't made that decision with the first two, which was ok, since both girls would have seemed silly with James as a middle name. During the labor process, my wife thought about changing the first name, but all her choices started with "J" and the idea of JJ just didn't seem right. Little did we know, even without the JJ moniker, we were due for some dynamite (the link shows my age).
A few hours later, we were in the delivery room, still with no girl's name, but at least settled on a boy's name. Ultrasounds were not common and we didn't know what to expect. We had experienced similar but opposite problems the first two times around (no boy's name chosen back then). When our pediatrician told use we had a "little Muggsy", we knew we didn't have a problem this time either. I guess with what the doctor charged for his short time in the room, he could afford to be a big Hornet's fan.
After the birth, I went to the nurse's station to get some ice & water. OB nurses are always excited and asked "what did you have?" New dads (even experienced new dads like me) can be counted on to say something stupid, my answer was "just some water." After they laughed and explained their question better, I told them we had a boy.
Today, my youngest celebrates his big day. We've been through a lot together. I have the privilege of taking him on baseball trips every few years, camping now and then and other father-son experiences. He's seen enough changes to last him a lifetime, but I'm sure more changes are on their way. Hopefully, these changes have prepared him for a bright future. He certainly deserves it.
Adam is now a student, a bass player in a Christian band (when he can), and more than that, a young man. Happy Birthday Adam! Enjoy your special day. We love you.
Saturday, January 01, 2011
Happy New Year - 2011 style
I don't know about you, but I'm thinking 2011 is going to be a great year. I'm not usually one to make resolutions and this year I don't want to break the trend. But I have pseudo-resolved to do more blogging, more reading and maybe even a little more exercise.
I've set a goal of climbing Table Rock (a nearby mountain) by my birthday in mid-April. I'm planning to do the Volunteer Income Tax Assistance thing again this year (it will be my third year) and I'm hoping to certify at a higher level. I've done a little financial coaching one-on-one (or rather two-on-one and one-on-two) and want to continue with that as well.
From a job standpoint, I'm hoping this year will be better than last. In 2010, I started with a lot of questions and went through 6 months with no direction. To have ended the year as well as I did seems to indicate that 2011 will be even better.
How about you? Any resolutions, goals or predictions?
I've set a goal of climbing Table Rock (a nearby mountain) by my birthday in mid-April. I'm planning to do the Volunteer Income Tax Assistance thing again this year (it will be my third year) and I'm hoping to certify at a higher level. I've done a little financial coaching one-on-one (or rather two-on-one and one-on-two) and want to continue with that as well.
From a job standpoint, I'm hoping this year will be better than last. In 2010, I started with a lot of questions and went through 6 months with no direction. To have ended the year as well as I did seems to indicate that 2011 will be even better.
How about you? Any resolutions, goals or predictions?
Thursday, December 09, 2010
A Quarter of a Century
Quarter of a Century. Saying it that way makes it sound like a long time, doesn't it? Twenty-five years ago, my wife & I were expecting our second child. She awoke early and couldn't sleep, so she went in the other room. Around 5am, she came and told me we needed to think about the fact that she might be in labor. Being the loving, supportive husband I was, I told her she probably wasn't and rolled over.
When I heard the slamming of the door accompanied with a muttered "FINE!", I made a wise decision. I got up. After sitting with her a few minutes, we decided it was time to go to the hospital. We finished packing and called a neighbor who had agreed to take care of our 2-year old daughter. As we finished packing her things, he called back and told us to remember a car-seat and something and something and something. I told him that he was more nervous than I was.
On the way to the hospital on the planned route (this was still pre-rush hour traffic) I saw a road-sign that looked familiar. I was pretty sure I knew where the other end of this road was and it would be a quicker route, so I decided to try a road never travelled before (at least by me). The funny thing about roads in Charlotte, they all have similar names. There's Sharon Rd, Sharon Lane, Sharon Amity and I ain't Sharin' Sharon. No wait, that last one is a song by Jim Stafford.
Anyway, when I got the end of Sharon something it wasn't quite where I thought it would be, but it was close. My wife was not amused or impressed. We still got to the hospital before rush hour and in plenty of time.
Ultrasounds were not as common 25 years ago, so we had no idea if we were expecting a girl or a boy (even in that day, those were still the only two choices). We entertained a lot of ideas about determining the sex, tried a boiled egg resting on the belly and a few other tricks, but these were mainly for fun. Our nurse that day told us that the baby's heartbeat would tell you, but many times it was wrong. But she had great confidence when she told us THIS one was a boy.
We took the nurse's prediction seriously, as we had chosen girl names but no boy names. Between contractions for two hours we discussed names as we had discussed for the last nine months, still with no resolution. Fortunately for us, no decision was needed as our little girl was born early that afternoon. I'm not sure if the nurse ever knew about her mistake.
Happy Birthday Katie. You've gone from being my little "bean green" to a wonderful lady with 2.2 children of your own. We love you. Hope today is as happy for you as my day was 25 years ago.
When I heard the slamming of the door accompanied with a muttered "FINE!", I made a wise decision. I got up. After sitting with her a few minutes, we decided it was time to go to the hospital. We finished packing and called a neighbor who had agreed to take care of our 2-year old daughter. As we finished packing her things, he called back and told us to remember a car-seat and something and something and something. I told him that he was more nervous than I was.
On the way to the hospital on the planned route (this was still pre-rush hour traffic) I saw a road-sign that looked familiar. I was pretty sure I knew where the other end of this road was and it would be a quicker route, so I decided to try a road never travelled before (at least by me). The funny thing about roads in Charlotte, they all have similar names. There's Sharon Rd, Sharon Lane, Sharon Amity and I ain't Sharin' Sharon. No wait, that last one is a song by Jim Stafford.
Anyway, when I got the end of Sharon something it wasn't quite where I thought it would be, but it was close. My wife was not amused or impressed. We still got to the hospital before rush hour and in plenty of time.
Ultrasounds were not as common 25 years ago, so we had no idea if we were expecting a girl or a boy (even in that day, those were still the only two choices). We entertained a lot of ideas about determining the sex, tried a boiled egg resting on the belly and a few other tricks, but these were mainly for fun. Our nurse that day told us that the baby's heartbeat would tell you, but many times it was wrong. But she had great confidence when she told us THIS one was a boy.
We took the nurse's prediction seriously, as we had chosen girl names but no boy names. Between contractions for two hours we discussed names as we had discussed for the last nine months, still with no resolution. Fortunately for us, no decision was needed as our little girl was born early that afternoon. I'm not sure if the nurse ever knew about her mistake.
Happy Birthday Katie. You've gone from being my little "bean green" to a wonderful lady with 2.2 children of your own. We love you. Hope today is as happy for you as my day was 25 years ago.
Monday, November 15, 2010
Reflections on a marathon
This past weekend was the Richmond Sun Trust Marathon. My son-in-law decided to run this year and we decided to go up and be his cheering section. The fact that our grand-daughter was going to be there added to our reasons to go.
Adam has run two marathons before: The Marine Corps Marathon and the NYC Marathon in 2008 (see my post about the 2008 NYC Marathon). This was my first. Since I didn't want to show him up, I elected not to run this year, maybe next year. Then again, maybe pigs will fly next year too.
Since I've been traveling a lot, my wife and I made use of frequent flyer points and hotel reservation points to minimize our cost. We flew up on Thursday and arrived late that night. Friday, we rode through the marathon route. That gave us non-runners a good view of what Adam would be seeing on Saturday and helped get him in the right mind-set. It also showed us all where the hills would be.
On race day, we saw the start of the race. Over 4900 runners started out. I made the mistake of being on the wrong side of the street and didn't get good pictures at this point. I also couldn't get back across the street until after all 4900+ runners passed.
After the start, we hustled over to the first check-point to cheer our runner on. He was looking good and flashed us a thumbs-up.
And of course, the smallest cheer leader even had her own sign:
I'm still processing pictures for uploading. All-in-all, we had a great time. Adam didn't finish in as good a time as he wanted, not sure how his time compares to the previous two. I guess next year I'll have to enter so I can show him how it's done (HA!).
Adam has run two marathons before: The Marine Corps Marathon and the NYC Marathon in 2008 (see my post about the 2008 NYC Marathon). This was my first. Since I didn't want to show him up, I elected not to run this year, maybe next year. Then again, maybe pigs will fly next year too.
Since I've been traveling a lot, my wife and I made use of frequent flyer points and hotel reservation points to minimize our cost. We flew up on Thursday and arrived late that night. Friday, we rode through the marathon route. That gave us non-runners a good view of what Adam would be seeing on Saturday and helped get him in the right mind-set. It also showed us all where the hills would be.
After the start, we hustled over to the first check-point to cheer our runner on. He was looking good and flashed us a thumbs-up.
And of course, the smallest cheer leader even had her own sign:
I'm still processing pictures for uploading. All-in-all, we had a great time. Adam didn't finish in as good a time as he wanted, not sure how his time compares to the previous two. I guess next year I'll have to enter so I can show him how it's done (HA!).
Tuesday, November 09, 2010
Because I said so!
As a child/teenager, I hated those words. It seemed like I heard them all the time (probably only 4 or 5 times though) Whenever I asked WHY, I had to do something (e.g. wash dishes, cut grass, make my bed, etc.) I wasn't given an explanation, I was just told "because I said so."
Most often, these words came from my dad. I'm sure they came from mom on occasion, but I can't remember any specific case. Actually, I can't remember any specific case from my dad either, I just know I heard the words and grew to hate them. At some point, I decided - I'm never going to say that to my kids!
My first-born arrived in the early 1980's. My wife & I both had college education (which we thought was the answer to everything) and we agreed we would not use those words. We knew that we could work with our child, explain the reasons and come to a reasonable agreement on what could be done and what should be done. Those of you with children are laughing right now.
When it was time for bed, the question came out - "Why?" We explained why they needed sleep. "Why don't you go to bed?" Because I'm an adult. "Don't you need sleep?" Yes, but not as much.
Of course, the conversation went on. And it wasn't necessarily about bed. It was about any subject that came up. Eventually, I'd get tired and my answer was "Because I'm the Dad!" (it wasn't the words I'd sworn not to use, but it was close).
Eventually, I realized that some subjects couldn't be reasoned out. No amount of discussion was going to convince them that I was right. No amount of discussion was going to convince me that I was wrong. We didn't have to agree with each other, we just had to respect each other's positions and move on.
More on this subject next time...
Most often, these words came from my dad. I'm sure they came from mom on occasion, but I can't remember any specific case. Actually, I can't remember any specific case from my dad either, I just know I heard the words and grew to hate them. At some point, I decided - I'm never going to say that to my kids!
My first-born arrived in the early 1980's. My wife & I both had college education (which we thought was the answer to everything) and we agreed we would not use those words. We knew that we could work with our child, explain the reasons and come to a reasonable agreement on what could be done and what should be done. Those of you with children are laughing right now.
When it was time for bed, the question came out - "Why?" We explained why they needed sleep. "Why don't you go to bed?" Because I'm an adult. "Don't you need sleep?" Yes, but not as much.
Of course, the conversation went on. And it wasn't necessarily about bed. It was about any subject that came up. Eventually, I'd get tired and my answer was "Because I'm the Dad!" (it wasn't the words I'd sworn not to use, but it was close).
Eventually, I realized that some subjects couldn't be reasoned out. No amount of discussion was going to convince them that I was right. No amount of discussion was going to convince me that I was wrong. We didn't have to agree with each other, we just had to respect each other's positions and move on.
More on this subject next time...
Monday, November 01, 2010
Goodbye to Wesley
A few times in the past I have taken on the duty of saying good bye to someone on my blog. Today is another such day.
Wesley would have been seven months old today. His mom was a close friend of both of my daughters and his maternal grandparents were close friends of mine. A little over two months ago, he started displaying signs of an illness that ended up being something in his immune system. His own body was attacking his red blood cells. On Friday, his fight ended.
Wesley's mom was like another daughter to me. She was always at my house and I know my girls were often at her house. One of my favorite memories was when she caught me napping (and snoring) on a Sunday afternoon. Her mom & dad helped my family on two major occasions (and numerous minor ones) when we needed it. Even though I moved 100 miles away twelve years ago, there was always the feeling that we would help each other out when needed.
While I travel frequently, only in the last couple of months have I gone to the town where Wesley was hospitalized. Then, out of the blue, I had two trips to the town. I took that as a sign that I was supposed to visit his family. I've said before that I don't believe in coincidence, that I believe in Providence (see here and here). I believe Providence caused me to have two business trips to see Wesley's family. I got to meet his dad and his paternal grandparents. And hopefully, I eased the burden on some old friends.
Goodbye Wesley. Your family will miss you, but rest assured that they are loved and we'll look out for them.
Wesley would have been seven months old today. His mom was a close friend of both of my daughters and his maternal grandparents were close friends of mine. A little over two months ago, he started displaying signs of an illness that ended up being something in his immune system. His own body was attacking his red blood cells. On Friday, his fight ended.
Wesley's mom was like another daughter to me. She was always at my house and I know my girls were often at her house. One of my favorite memories was when she caught me napping (and snoring) on a Sunday afternoon. Her mom & dad helped my family on two major occasions (and numerous minor ones) when we needed it. Even though I moved 100 miles away twelve years ago, there was always the feeling that we would help each other out when needed.
While I travel frequently, only in the last couple of months have I gone to the town where Wesley was hospitalized. Then, out of the blue, I had two trips to the town. I took that as a sign that I was supposed to visit his family. I've said before that I don't believe in coincidence, that I believe in Providence (see here and here). I believe Providence caused me to have two business trips to see Wesley's family. I got to meet his dad and his paternal grandparents. And hopefully, I eased the burden on some old friends.
Goodbye Wesley. Your family will miss you, but rest assured that they are loved and we'll look out for them.
Wednesday, September 29, 2010
A lot can happen in nine years
My wife has already told everyone on Facebook that today is our anniversary. Nine years goes by fast. But a lot can happen in that span of time.
Yes, it was nine years ago today that we were married in an outdoor wedding at The Gray House, a small bed & breakfast in Starr, SC (outside Anderson - which is outside Greenville). The wedding itself was unusual, not many couples have their five children in the wedding. The bride's son gave her away, the groom's son was best-man. The bride's daughter was maid-of-honor and the groom's daughters were bridesmaids. It took two ministers to tie the knot and by some miracle, the candles didn't blow out until after we were pronounced man & wife.
Since then, four out of our five children have gotten married and started families of their own. Attending all of those weddings has worn us out. With one grandson and four granddaughters (all the girls born in a six month time period), we feel like our quiver is full, but of course there's always room for more. Our youngest is in college, he comes up when his laundry is able to stand on it's own.
We've shared a lot of joy and a lot of pain (we both had back surgery). We've both been back to school. Through it all, we've grown together. there's a saying that goes "that which does not kill me, makes me stronger." I'd add a part to the middle of that and say "that which does not kill me, or make me kill my spouse, makes us stronger."
So, with that, I'll say Happy Anniversary Nena. It's been a great nine years and I'm looking forward to the next nine. And then the next nine. And the next. And so forth. And so on.
Yes, it was nine years ago today that we were married in an outdoor wedding at The Gray House, a small bed & breakfast in Starr, SC (outside Anderson - which is outside Greenville). The wedding itself was unusual, not many couples have their five children in the wedding. The bride's son gave her away, the groom's son was best-man. The bride's daughter was maid-of-honor and the groom's daughters were bridesmaids. It took two ministers to tie the knot and by some miracle, the candles didn't blow out until after we were pronounced man & wife.
Since then, four out of our five children have gotten married and started families of their own. Attending all of those weddings has worn us out. With one grandson and four granddaughters (all the girls born in a six month time period), we feel like our quiver is full, but of course there's always room for more. Our youngest is in college, he comes up when his laundry is able to stand on it's own.
We've shared a lot of joy and a lot of pain (we both had back surgery). We've both been back to school. Through it all, we've grown together. there's a saying that goes "that which does not kill me, makes me stronger." I'd add a part to the middle of that and say "that which does not kill me, or make me kill my spouse, makes us stronger."
So, with that, I'll say Happy Anniversary Nena. It's been a great nine years and I'm looking forward to the next nine. And then the next nine. And the next. And so forth. And so on.
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