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)
Tuesday, August 16, 2011
Friday, August 12, 2011
Blog changes
After my vacation mentioned a few days ago, I decided to open up my blog to all comments (previously, you had to sign in). My hope is to encourage more comments from all people, even people who want to remain anonymous. However, I've enabled moderation in order to filter out the garbage.
Well, it seems to have worked, I've received three anonymous comments in three days. Trouble was, they were all spam. The last one bothered me a little. The comment praised my general idea (gotta love that), but criticized my lack of specifics. As I read the note trying to decide whether to approve or disapprove, I chucked about the criticism, the comment itself lacked specifics.
What made me decide NOT to post the comment was the hot-links at the bottom for various websites. But it did make me think and decide to explain my reasoning for moderation and my approval process.
If I see a comment that is on subject (or even off subject somewhat), has no profanity and no advertising, I will publish it, whether I agree with it or not and whether it's praise, criticism or something else. I will allow a link to your blog if you include one, but I will check it out first (to protect my readers).
Readers - I encourage you to click on the "comments" in each blog post and add comments to the stream. A comment in the stream does not mean I agree with or endorse the ideas, but it does mean I've read the comment and feel it's clear of profanity and advertising spam. If the comment includes a hot-link, click on it at your risk, but I will typically comment on whether or not I checked it out.
Thanks again for your readership.
Well, it seems to have worked, I've received three anonymous comments in three days. Trouble was, they were all spam. The last one bothered me a little. The comment praised my general idea (gotta love that), but criticized my lack of specifics. As I read the note trying to decide whether to approve or disapprove, I chucked about the criticism, the comment itself lacked specifics.
What made me decide NOT to post the comment was the hot-links at the bottom for various websites. But it did make me think and decide to explain my reasoning for moderation and my approval process.
If I see a comment that is on subject (or even off subject somewhat), has no profanity and no advertising, I will publish it, whether I agree with it or not and whether it's praise, criticism or something else. I will allow a link to your blog if you include one, but I will check it out first (to protect my readers).
Readers - I encourage you to click on the "comments" in each blog post and add comments to the stream. A comment in the stream does not mean I agree with or endorse the ideas, but it does mean I've read the comment and feel it's clear of profanity and advertising spam. If the comment includes a hot-link, click on it at your risk, but I will typically comment on whether or not I checked it out.
Thanks again for your readership.
Thursday, August 11, 2011
More on education - this time with prison
Yesterday I posted some ideas on education. Thanks for the comments, both online and via email. After my post, I saw this editorial on the Cato Institute's website. Now before you go read it, I should warn you that these folks tend to be a little different. In some ways, they are ultra-conservative. In other ways, they are very liberal. They tend towards a libertarian viewpoint, where the best government is no government. (OK, maybe I overplayed that a little).
In this editorial, recognizes a little-know idea in Texas trying to fix a problem with a pipeline from school to prison. The article gives credit to Governor Rick Perry who is often mentioned by Republicans as a candidate for president. He most recently was in the news with a Day of Prayer for our country.
The premise of the idea is that too many of our kids get kicked out of school (suspended, expelled, etc) and end up in jail. My assumption would then be that the prisons teach these kids how to be "better" criminals and then they come back out, only to wind up back in prison for something serious. The programs mentioned take these kids and instead of kicking them out of school, gives them "guidance and rehabilitation services in or near their communities."
There's a lot that's NOT said in this article, for example no results are given. What happens to school discipline when these kids are NOT suspended or expelled? And what is the cost of these programs? (I suspect less than incarceration, but no facts are given).
Even with these questions, it still looks to me like this is a good idea and should be evaluated. I don't think SC has the same ratio of problem kids that Texas might have, but each state should look at the option. We just might end up saving a few kids in the process.
What do you think?
In this editorial, recognizes a little-know idea in Texas trying to fix a problem with a pipeline from school to prison. The article gives credit to Governor Rick Perry who is often mentioned by Republicans as a candidate for president. He most recently was in the news with a Day of Prayer for our country.
The premise of the idea is that too many of our kids get kicked out of school (suspended, expelled, etc) and end up in jail. My assumption would then be that the prisons teach these kids how to be "better" criminals and then they come back out, only to wind up back in prison for something serious. The programs mentioned take these kids and instead of kicking them out of school, gives them "guidance and rehabilitation services in or near their communities."
There's a lot that's NOT said in this article, for example no results are given. What happens to school discipline when these kids are NOT suspended or expelled? And what is the cost of these programs? (I suspect less than incarceration, but no facts are given).
Even with these questions, it still looks to me like this is a good idea and should be evaluated. I don't think SC has the same ratio of problem kids that Texas might have, but each state should look at the option. We just might end up saving a few kids in the process.
What do you think?
Wednesday, August 10, 2011
A fix for education
Last week I was on vacation and entered into a discussion about the debt crisis. Discussion moved over to the topic of education and specifically some ways to "fix" education. A close friend, who tends to be more liberal than me, offered some ideas I found intriguing. I promised to post them here to see if I got any response.
The first suggestion was regarding pay and benefits. As an SC teacher, my friend is an SC employee and she feels that the people who make decisions for SC education should be on the same pay and benefits plan. This would be somewhat tricky as some of the decisions are made by federal employees (US Senators and US Representatives, Department of Education, etc.), and other decisions are already made by SC employees (SC State Department of Education). But this is a good idea for all areas of government, put them on the same pay and benefit schedule as the people they govern.
The second idea she had was regarding office term limits. Specifically, any administrator - from principals on up - should be limited to 5 years in a particular position. After that time, they have to return to the class room. I specifically asked if this included our local district superintendent (who is well thought of in both conservative and liberal camps) and she answered yes. The idea is to make these people aware of the impact of their decisions.
So what do you think? Would this help education? Would schools do better or cost less? What impact would it have in your area?
The first suggestion was regarding pay and benefits. As an SC teacher, my friend is an SC employee and she feels that the people who make decisions for SC education should be on the same pay and benefits plan. This would be somewhat tricky as some of the decisions are made by federal employees (US Senators and US Representatives, Department of Education, etc.), and other decisions are already made by SC employees (SC State Department of Education). But this is a good idea for all areas of government, put them on the same pay and benefit schedule as the people they govern.
The second idea she had was regarding office term limits. Specifically, any administrator - from principals on up - should be limited to 5 years in a particular position. After that time, they have to return to the class room. I specifically asked if this included our local district superintendent (who is well thought of in both conservative and liberal camps) and she answered yes. The idea is to make these people aware of the impact of their decisions.
So what do you think? Would this help education? Would schools do better or cost less? What impact would it have in your area?
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.
Monday, July 11, 2011
Tax on corporate jets
I've been told that I have a mind like a steel trap - it's just that sometimes, it won't open (somehow, I don't think that was intended like a compliment). But this talk about a tax or corporate jets has been stirring around in my mind lately and it has sounded vaguely familiar. After a little research using my favorite search engine, I found the Omnibus Budget Reconciliation Act of 1900 (OBRA-90).
Republicans and Democrats will remember OBRA-90 as the bill where President George H. Bush broke his "No new taxes" promise. According to this Connecticut Law Tribune article, it included "a new luxury tax on luxury autos, aircraft, jewelry and yachts." The thinking at the time was we can stick it the rich and make them pay dearly for those luxuries. After all, it would be fair, they have more money, why should they be spending it on frivolous items, when poor people can't buy gas and food? Not only would it stick it to rich, it would provide more tax revenue for the government to give to the folks who could buy gas and food.
However, the luxury tax didn't work out quite as well as expected - it "took in less than one half of the projected income." People who previously could afford these luxuries simply stopped buying them or - even worse - bought them overseas. "Boat Builders ... were particularly hard-hit with yacht sales dropping 77 percent and builders laying off an estimated 25,000 people." Wait a minute! A tax increase caused job losses? 25,000 of them? I thought the luxury tax was supposed to stick it to the rich? Instead, 25,000 boat builders, average middle class people, lost their jobs? Who'da thunk it?
Any new taxes on corporate jets is likely to have the same effect. Anyone who proposes these taxes needs to look back to recent history and explain why they think this time will be any different. Oh, by the way, OBRA-90 also "included the Budget Enforcement Act of 1990 which established the "pay-as-you-go" or "PAYGO" process for discretionary spending and taxes." (source) and we all know how well that has worked.
Side notes: I found out that none-other than Lion of the Senate Ted Kennedy supported the luxury tax (no surprise), then when his home state of Massachusetts was affected, tried to reverse course with the Kennedy Boat Building Investment Act of 1999. (can anyone say flip-flop?). I do not know if he was successful. I also found this George Will commentary written in 1999. In it, he said "But perhaps every quarter-century or so government--it cannot help itself--must go on a fairness bender, the memory of the hangover from similar misadventures having faded." - Let's see, the last time was 1990, this is 2011 - that's only 21 years. Maybe the cycle is shortening due to Global Warming....
In full disclosure I have to document that I have never owned a luxury car or yacht and never owned a corporate jet. I did own a canoe for a few years, but after it flipped on me once I decided to sell it. I think I had a net loss of $50 on the purchase/sell over a 3 year period. I did not claim the loss on my taxes.
Republicans and Democrats will remember OBRA-90 as the bill where President George H. Bush broke his "No new taxes" promise. According to this Connecticut Law Tribune article, it included "a new luxury tax on luxury autos, aircraft, jewelry and yachts." The thinking at the time was we can stick it the rich and make them pay dearly for those luxuries. After all, it would be fair, they have more money, why should they be spending it on frivolous items, when poor people can't buy gas and food? Not only would it stick it to rich, it would provide more tax revenue for the government to give to the folks who could buy gas and food.
However, the luxury tax didn't work out quite as well as expected - it "took in less than one half of the projected income." People who previously could afford these luxuries simply stopped buying them or - even worse - bought them overseas. "Boat Builders ... were particularly hard-hit with yacht sales dropping 77 percent and builders laying off an estimated 25,000 people." Wait a minute! A tax increase caused job losses? 25,000 of them? I thought the luxury tax was supposed to stick it to the rich? Instead, 25,000 boat builders, average middle class people, lost their jobs? Who'da thunk it?
Any new taxes on corporate jets is likely to have the same effect. Anyone who proposes these taxes needs to look back to recent history and explain why they think this time will be any different. Oh, by the way, OBRA-90 also "included the Budget Enforcement Act of 1990 which established the "pay-as-you-go" or "PAYGO" process for discretionary spending and taxes." (source) and we all know how well that has worked.
Side notes: I found out that none-other than Lion of the Senate Ted Kennedy supported the luxury tax (no surprise), then when his home state of Massachusetts was affected, tried to reverse course with the Kennedy Boat Building Investment Act of 1999. (can anyone say flip-flop?). I do not know if he was successful. I also found this George Will commentary written in 1999. In it, he said "But perhaps every quarter-century or so government--it cannot help itself--must go on a fairness bender, the memory of the hangover from similar misadventures having faded." - Let's see, the last time was 1990, this is 2011 - that's only 21 years. Maybe the cycle is shortening due to Global Warming....
In full disclosure I have to document that I have never owned a luxury car or yacht and never owned a corporate jet. I did own a canoe for a few years, but after it flipped on me once I decided to sell it. I think I had a net loss of $50 on the purchase/sell over a 3 year period. I did not claim the loss on my taxes.
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.
Friday, June 24, 2011
Libya and the War Powers Act
It looks like Congress doesn't know what to do about Libya. On the one hand, they are frustrated that President Obama hasn't asked permission for his actions there, on the other hand they don't want to publicly say that he can do what he's already doing (see story here). The real question is, does the president have the authority.
The War Powers Act came into being when Richard Nixon was in power and the Vietnam War had been going on forever. John Kennedy sent troops there and the US never officially declared war. Congress tolerated it through his short time in office and through Johnson's. After Nixon became president, Congress decided to tie his hands.
Presidents since then have complained about the constitutionality of the law. But they also followed it. There seemed to be a delicate balance of power, not completely unlike what the framers of the constitution wanted. President Obama has stated that he didn't think the law applied, the biggest reason being that we don't have troops on the ground.
Actually, I support the president on this, but there has to be some caution. The next president (in 2012 or 2016) may be a Republican and may use this argument also. In fact, I've found myself agreeing with the president a lot more lately, his decision to surge in Afghanistan, his decision not to pull all troops at once, his decision to leave troops in Iraq, his decision not to close Guantanamo. I think he's come to the realization that this presidential job is a lot harder than he believed when he asked for the job.
The War Powers Act came into being when Richard Nixon was in power and the Vietnam War had been going on forever. John Kennedy sent troops there and the US never officially declared war. Congress tolerated it through his short time in office and through Johnson's. After Nixon became president, Congress decided to tie his hands.
Presidents since then have complained about the constitutionality of the law. But they also followed it. There seemed to be a delicate balance of power, not completely unlike what the framers of the constitution wanted. President Obama has stated that he didn't think the law applied, the biggest reason being that we don't have troops on the ground.
Actually, I support the president on this, but there has to be some caution. The next president (in 2012 or 2016) may be a Republican and may use this argument also. In fact, I've found myself agreeing with the president a lot more lately, his decision to surge in Afghanistan, his decision not to pull all troops at once, his decision to leave troops in Iraq, his decision not to close Guantanamo. I think he's come to the realization that this presidential job is a lot harder than he believed when he asked for the job.
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....
Tuesday, June 21, 2011
Is heaven just for Christians? Apparently atheists think so
All dogs go to heaven. You've seen the movie. You know a friend who is a different religion and you think they go to heaven. Or you believe that a loving God wouldn't send anyone to hell, so everyone must go to heaven.
Well, it appears the American Atheists disagree. This article quotes David Silverman the president of American Atheists as saying "Heaven is a specifically Christian place." The article basically says that the city of New York has renamed a street to "Seven in Heaven Way" to honor seven who died in the 9/11 attack. As a result, the atheists aren't happy.
Silverman said that "all memorials for fallen heroes should celebrate the diversity of our country." Now I would have thought that the memorials should point directly to those fallen heroes, but I guess I'm wrong. He also said "these heroes might have been Jews, they might have been atheists" which implies to me that he hasn't even tried to find out. It would be interesting to find out if he would change his mind about the street name if he learned that the seven heroes were all indeed Christians. I kinda doubt he would, atheists seem to want to eradicate every mention of heaven and God. Maybe we'll have to start calling these words the "h-word" or the "G-word".
But the one thing I took from this article was the atheists believe that heaven is uniquely Christian place.
Well, it appears the American Atheists disagree. This article quotes David Silverman the president of American Atheists as saying "Heaven is a specifically Christian place." The article basically says that the city of New York has renamed a street to "Seven in Heaven Way" to honor seven who died in the 9/11 attack. As a result, the atheists aren't happy.
Silverman said that "all memorials for fallen heroes should celebrate the diversity of our country." Now I would have thought that the memorials should point directly to those fallen heroes, but I guess I'm wrong. He also said "these heroes might have been Jews, they might have been atheists" which implies to me that he hasn't even tried to find out. It would be interesting to find out if he would change his mind about the street name if he learned that the seven heroes were all indeed Christians. I kinda doubt he would, atheists seem to want to eradicate every mention of heaven and God. Maybe we'll have to start calling these words the "h-word" or the "G-word".
But the one thing I took from this article was the atheists believe that heaven is uniquely Christian place.
Wednesday, May 11, 2011
Storage Wars - Local Edition
If you haven't seen the show Storage Wars on A&E, I recommend it. Basically, they auction of the contents of a storage room at one of these storage facilities. The people who had rented the room had stopped paying rent, so the facility auctions it to the highest bidder.
I've long wanted to attend an auction of any kind, and heard about a storage auction today at a local facility. I managed to get the time to go and wanted to see if it was like the TV show. I arrived a couple of minutes late, but didn't miss any action.
The first thing the auctioneer said was that if we were expecting any "buh-de-buh-by" type auction, that wasn't him. But he did a pretty good job. He explained the rules (you have 5 minutes to inspect the storage room, you can't touch anything, can't go inside), opened the door and moved out of the way.
The first unit was #616 and contained (as far as I could see) a couple of lawn mowers, a chain saw, some other lawn equipment, a couple of old (stained) mattresses and who knows what else. Bidding started at $300 (the first bidder started bidding before the official bids began). When the bidding was over, the unit sold for $475.
The second unit was #632 and it was not full like the first (and later) units. It looke like someone had closed out a florist shop or something. There were imitation ficus trees, lots of vases, some racks for holding clothes (or plants?). There was less interest in this unit, it sold for $325.
The third unit was #208 and contained a bed (frames & mattresses), an armoire, some end tables, a glass top coffee table (the bottom looked like a cat or something had gotten to it), a love seat and some living room chairs. and a clothes butler rack. But the prize in this unit was a grandfather clock. I looked and couldn't see a name of the manufacturer. I noticed that the pendulums were off, but in the clock itself. It's impossible to know if it was working. This unit ended up selling for $725.
Unlike the show, I didn't get to find out what was in the parts of the units that I couldn't see or find out the value of the units in the end. But it was an interesting day. I'll go to another auction and maybe buy something that time.
I've long wanted to attend an auction of any kind, and heard about a storage auction today at a local facility. I managed to get the time to go and wanted to see if it was like the TV show. I arrived a couple of minutes late, but didn't miss any action.
The first thing the auctioneer said was that if we were expecting any "buh-de-buh-by" type auction, that wasn't him. But he did a pretty good job. He explained the rules (you have 5 minutes to inspect the storage room, you can't touch anything, can't go inside), opened the door and moved out of the way.
The first unit was #616 and contained (as far as I could see) a couple of lawn mowers, a chain saw, some other lawn equipment, a couple of old (stained) mattresses and who knows what else. Bidding started at $300 (the first bidder started bidding before the official bids began). When the bidding was over, the unit sold for $475.
The second unit was #632 and it was not full like the first (and later) units. It looke like someone had closed out a florist shop or something. There were imitation ficus trees, lots of vases, some racks for holding clothes (or plants?). There was less interest in this unit, it sold for $325.
The third unit was #208 and contained a bed (frames & mattresses), an armoire, some end tables, a glass top coffee table (the bottom looked like a cat or something had gotten to it), a love seat and some living room chairs. and a clothes butler rack. But the prize in this unit was a grandfather clock. I looked and couldn't see a name of the manufacturer. I noticed that the pendulums were off, but in the clock itself. It's impossible to know if it was working. This unit ended up selling for $725.
Unlike the show, I didn't get to find out what was in the parts of the units that I couldn't see or find out the value of the units in the end. But it was an interesting day. I'll go to another auction and maybe buy something that time.
Friday, May 06, 2011
Thoughts on the death of Bin Laden
By now, you're probably tired if hearing about the death of Bin Laden. If you can stand some more talk, I want to share some of my thoughts.
1) I'm glad he's dead. I still wonder why it took so long. I'm not gloating, I actually would have liked for him to realize the error of his ways. But that wasn't likely. And now, he has finally realized the error of his ways. He knows the Truth.
2) I'm not upset that his body was dumped nor that he was given the Muslim equivalent of last rites. Part of me is, but in reality, I think his body should have been (and was by all accounts was) treated with civility. That's a lot more than he gave to others, but it's the right thing to do.
3) I'm glad the pictures of his body were not released. I see no value in it and a lot of possible problems. I wish the same had been done with pictures of Abu Ghraib. (Hat tip to Cal Thomas). But that happened under a different leader.
4) I've noticed that some newspapers are using the name Bin Laden instead of Osama Bin Laden. I think this is because of the tendency of people to say "Obama" when they mean "Osama". It's tripped up many a commentator.
5) All people, politicians, bloggers, etc. should carefully examine their feelings and what they say to make sure they are consistent. An example of inconsistency would be the comment in September of 2006 "[E]ven if [Osama bin Laden] is caught tomorrow, it is five years too late. ... And even to capture him now I don’t think makes us any safer."
This was followed this week by the same person with the comment "The death of Osama bin Laden marks the most significant development in our fight against al-Qaida. . . . (His) death ... is historic." (both spoken by Nancy Pelosi and reported here)
1) I'm glad he's dead. I still wonder why it took so long. I'm not gloating, I actually would have liked for him to realize the error of his ways. But that wasn't likely. And now, he has finally realized the error of his ways. He knows the Truth.
2) I'm not upset that his body was dumped nor that he was given the Muslim equivalent of last rites. Part of me is, but in reality, I think his body should have been (and was by all accounts was) treated with civility. That's a lot more than he gave to others, but it's the right thing to do.
3) I'm glad the pictures of his body were not released. I see no value in it and a lot of possible problems. I wish the same had been done with pictures of Abu Ghraib. (Hat tip to Cal Thomas). But that happened under a different leader.
4) I've noticed that some newspapers are using the name Bin Laden instead of Osama Bin Laden. I think this is because of the tendency of people to say "Obama" when they mean "Osama". It's tripped up many a commentator.
5) All people, politicians, bloggers, etc. should carefully examine their feelings and what they say to make sure they are consistent. An example of inconsistency would be the comment in September of 2006 "[E]ven if [Osama bin Laden] is caught tomorrow, it is five years too late. ... And even to capture him now I don’t think makes us any safer."
This was followed this week by the same person with the comment "The death of Osama bin Laden marks the most significant development in our fight against al-Qaida. . . . (His) death ... is historic." (both spoken by Nancy Pelosi and reported here)
Tuesday, May 03, 2011
Has President Obama evolved?
I've been wondering for some time that President Obama has changed in several ways since he first took office. His decision to send Navy Seals into Pakistan was actually "predicted" during the debates with Sen. McCain, so that doesn't really reflect a change. But his decision to use intelligence gathered at Guantanamo Bay, most likely as a result of "enhanced techniques" seems contradictory to his prior attitude.
Keeping Guantanamo Bay open was not entirely the President's decision, but he did not fight hard to keep his earlier promises. Troops have stayed in Iraq longer than he ever intended and he supported a surge in Afghanistan. President Obama even supported a new war (Libya) albeit not to the extent of the wars in Iraq and Afghanistan.
So my question is, has President Obama evolved in his thinking? Has he come to realize that maybe President Bush wasn't as far off the mark as the current president believed when he was campaigning?
And most importantly, if his attitude on these things have changed, can it be changed in other areas? Might we see a move to less government? Might we see the removal of Obamacare? Might we see a return to his campaign attitude of "it's above my paygrade"?
Keeping Guantanamo Bay open was not entirely the President's decision, but he did not fight hard to keep his earlier promises. Troops have stayed in Iraq longer than he ever intended and he supported a surge in Afghanistan. President Obama even supported a new war (Libya) albeit not to the extent of the wars in Iraq and Afghanistan.
So my question is, has President Obama evolved in his thinking? Has he come to realize that maybe President Bush wasn't as far off the mark as the current president believed when he was campaigning?
And most importantly, if his attitude on these things have changed, can it be changed in other areas? Might we see a move to less government? Might we see the removal of Obamacare? Might we see a return to his campaign attitude of "it's above my paygrade"?
Monday, May 02, 2011
Ding Dong the wicked witch is dead *Updated *
I don't mean to minimize the death of Osama Bin Laden by the silly title. Instead, a part of me wants to celebrate, just as the munchkins in The Wizard of Oz. After 10+ years of being America's Enemy #1, OBL has been eliminated.
My hat goes off to the Navy Seals who took care of the matter. I wish that Marcus Luttrell could have been in on the final operation (see his story here and I highly recommend this book).
I listed to most of the President's speech (TV/DVR errors made me miss part of the middle) and have read the speech this morning. I think he was "spot on". This is a significant event. There may be some reprisals from Al Qaeda (I expect there will be). The war on terror is not over.
I was especially impressed that President Obama took the time to call President Bush (and possibly President Clinton). The former president(s) deserved that. It's a show of respect from the current to the former.
There are lots of questions that should be answered. What took so long? Why did one helicopter have problems? Who will take over Al Qaeda actions and what will our attitude be towards him? But for today, and maybe tomorrow, we should all recognize that this event was significant. I listened to a local conservative radio personality this morning and was glad that he felt the same way. No bashing of the current (or former) president. No complaints. Job well done.
* Update * Just heard the Cal Thomas commentary on local radio. Thomas used the same title for today's commentary (5/4/11). I didn't know Mr. Thomas read my blog, but I'm pleased he used it. Hopefully he will share his fees for the day with me...
My hat goes off to the Navy Seals who took care of the matter. I wish that Marcus Luttrell could have been in on the final operation (see his story here and I highly recommend this book).
I listed to most of the President's speech (TV/DVR errors made me miss part of the middle) and have read the speech this morning. I think he was "spot on". This is a significant event. There may be some reprisals from Al Qaeda (I expect there will be). The war on terror is not over.
I was especially impressed that President Obama took the time to call President Bush (and possibly President Clinton). The former president(s) deserved that. It's a show of respect from the current to the former.
There are lots of questions that should be answered. What took so long? Why did one helicopter have problems? Who will take over Al Qaeda actions and what will our attitude be towards him? But for today, and maybe tomorrow, we should all recognize that this event was significant. I listened to a local conservative radio personality this morning and was glad that he felt the same way. No bashing of the current (or former) president. No complaints. Job well done.
* Update * Just heard the Cal Thomas commentary on local radio. Thomas used the same title for today's commentary (5/4/11). I didn't know Mr. Thomas read my blog, but I'm pleased he used it. Hopefully he will share his fees for the day with me...
Wednesday, April 27, 2011
Obama Birth Certificate
News today is that President Obama has released his long form birth certificate. The LA Times is also reporting that a "self-annointed leader of the so-called "birther" movement" still has doubts (no one should be surprised).
I'm hoping this issue can now be put to rest. But I have one question: The issue has been going on for over 3 years, why release the form now? Why wasn't it released 3 years ago?
I suspect that instead of resolving issues, new ones will come up....
I'm hoping this issue can now be put to rest. But I have one question: The issue has been going on for over 3 years, why release the form now? Why wasn't it released 3 years ago?
I suspect that instead of resolving issues, new ones will come up....
Monday, April 11, 2011
School budget problems resolved - Auburn, Maine
Auburn Maine school department has found a way to solve their budget problems. Details in the accompanying article are sketchy (non-existent), but evidently it's true. Rather than spend public funding on more books, more material for the classroom or even more teachers or aides, the school department has decided that the money would be better spent on iPads.
The iPads have apps for "learning your letters from books, that can be read, (and) finger painting your name" so it's easy to see why Superintendent Tom Morrill sees why "it's absolutely something we must do." It's amazing that anyone was ever able to learn their letters in the past.
I know you're thinking that iPads cost a lot of money, but these only ended up costing the school department a little over $700 each - 285 for only $200,000. You're probably thinking you could have bought a lot of real books for that money and maybe even some blank paper and real finger paint, but wouldn't that get the kids' hands messy? Why you might even have to buy paint aprons and how many of those can you buy for $200,000?
Hiring another teacher is out of the question. Hiring teacher's aides for the classroom is out of the question (you know, those people who only make about $15k each? 10 more teacher's aides won't do as good as an iPad). If the money had not been spent on iPads I'm sure it would have been spent on another administrator trying to Race for the Top (while sinking to the bottom).
This "cutting edge technology will boost literacy rates from 62 percent to 90 percent in two years" (or it's hoped it will).
I'm not sure what they did to solve their budget problems, but I think every school district in the US should fly to Auburn to see what they've done and immediately implement the same plan. Times being hard, trips will be limited to 3 days and district employees will have to fly coach...
The iPads have apps for "learning your letters from books, that can be read, (and) finger painting your name" so it's easy to see why Superintendent Tom Morrill sees why "it's absolutely something we must do." It's amazing that anyone was ever able to learn their letters in the past.
I know you're thinking that iPads cost a lot of money, but these only ended up costing the school department a little over $700 each - 285 for only $200,000. You're probably thinking you could have bought a lot of real books for that money and maybe even some blank paper and real finger paint, but wouldn't that get the kids' hands messy? Why you might even have to buy paint aprons and how many of those can you buy for $200,000?
Hiring another teacher is out of the question. Hiring teacher's aides for the classroom is out of the question (you know, those people who only make about $15k each? 10 more teacher's aides won't do as good as an iPad). If the money had not been spent on iPads I'm sure it would have been spent on another administrator trying to Race for the Top (while sinking to the bottom).
This "cutting edge technology will boost literacy rates from 62 percent to 90 percent in two years" (or it's hoped it will).
I'm not sure what they did to solve their budget problems, but I think every school district in the US should fly to Auburn to see what they've done and immediately implement the same plan. Times being hard, trips will be limited to 3 days and district employees will have to fly coach...
Saturday, April 09, 2011
Memo to congress - thanks for doing your job
I say this almost sarcastically. Congress has finally done what they were supposed to do last fall. Apparently. There's still more haggling to come, the budget bill signed last night is really only for another week, the final bill will be hammered out in the coming week.
Understand that the main issue here is spending. We want it cut. It's not just because of the recent deficit (although that's what woke everyone up), we wanted spending to be cut before that. It's not just about the threats to cut military pay (which by the way were uncalled for), it's about planning and living by a plan. It's not about telling federal workers on Friday that they may not have a job on Saturday, it's about providing for the common defense and if a worker isn't doing that, he/she needs to find a real job that helps the US, not drags it down.
It's not about throwing women under the bus, it's about removing funding from an organization that doesn't fulfill the job it portrays to do and kills babies, protects rapists and hides pimps instead. It's not about which radio station you listen to it's about what radio station the government should pay for (I'll give you a hint - none) and which ones should be paid for with private funds (another hint - all of them).
I could go on an on, but I won't. Instead I'll say "Thank-you" to congress - "you did your job". However, most of us in the real tax-paying world understand that just doing your job once a year isn't enough. Now you need to go back in there and do your job AND MORE for the rest of the year. Remember, elections are coming!
Understand that the main issue here is spending. We want it cut. It's not just because of the recent deficit (although that's what woke everyone up), we wanted spending to be cut before that. It's not just about the threats to cut military pay (which by the way were uncalled for), it's about planning and living by a plan. It's not about telling federal workers on Friday that they may not have a job on Saturday, it's about providing for the common defense and if a worker isn't doing that, he/she needs to find a real job that helps the US, not drags it down.
It's not about throwing women under the bus, it's about removing funding from an organization that doesn't fulfill the job it portrays to do and kills babies, protects rapists and hides pimps instead. It's not about which radio station you listen to it's about what radio station the government should pay for (I'll give you a hint - none) and which ones should be paid for with private funds (another hint - all of them).
I could go on an on, but I won't. Instead I'll say "Thank-you" to congress - "you did your job". However, most of us in the real tax-paying world understand that just doing your job once a year isn't enough. Now you need to go back in there and do your job AND MORE for the rest of the year. Remember, elections are coming!
Thursday, April 07, 2011
Budget crisis solution - Mr. Pruitt style
Watching the mess in Washington made me think of a solution. It involves Mr. Pruitt - the teacher I had for wood shop in the 8th grade. I think some of his teaching solutions would help out.
Mr. Pruitt taught at Hughes Middle School and at the time, only boys took the class (I think my younger sister was the first girl to take wood shop. Mr Pruitt retired soon after that, I don't think he could handle girls). 8th grade boys being what they were, they would occasionally get in fights. When this happened, Mr. Pruitt would put the chairs in a circle and we would all stand around while he encouraged the two boys to go at it. They would walk around with fists up, looking at each other. Mr. Pruitt would push one towards the other and they would both back away. As Mr. Pruitt would say, one was scared, the other was glad.
I think his solution to the budget crisis would be similar. He'd get a group of citizens to stand around the Capitol and let Congress go at it until they finished the job we hired them to do. He'd push the Democrats and watch the Republicans back away. One would be scared and the other would be glad.
At the end of the day, we'd have a budget. It might not be the best budget, but it would be a budget. And no one would be pointing fingers. I think Mr. Pruitt could solve a lot of our problems.
Mr. Pruitt taught at Hughes Middle School and at the time, only boys took the class (I think my younger sister was the first girl to take wood shop. Mr Pruitt retired soon after that, I don't think he could handle girls). 8th grade boys being what they were, they would occasionally get in fights. When this happened, Mr. Pruitt would put the chairs in a circle and we would all stand around while he encouraged the two boys to go at it. They would walk around with fists up, looking at each other. Mr. Pruitt would push one towards the other and they would both back away. As Mr. Pruitt would say, one was scared, the other was glad.
I think his solution to the budget crisis would be similar. He'd get a group of citizens to stand around the Capitol and let Congress go at it until they finished the job we hired them to do. He'd push the Democrats and watch the Republicans back away. One would be scared and the other would be glad.
At the end of the day, we'd have a budget. It might not be the best budget, but it would be a budget. And no one would be pointing fingers. I think Mr. Pruitt could solve a lot of our problems.
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