Monday, August 31, 2009
UPS man
I find it quite amusing that the big buffed UPS man with tatoos on his arms is petrified of my boxer. He probably, like most others, think he is a pit bull. He rang the door bell and was pleading with me to just crack the door open to talk to me as ...he was nervously backing up and making sure I didn't let my dog out. If he only knew how much of a chicken my dog is!!!!
Friday, August 28, 2009
In addition
Oh, and by the way, I forgot to mention my biggest beef about this. They advertise this program of how to get a 'greener' car that burns less gas. I drive a 10 year old BMW (that's been paid for) that gets 31 miles to the gallon hwy and 25 in the city! None of these new cars can beat that. However, what most people don't realize is it's not just the engine performance, it's how the driver drives. The faster and more aggressive you drive, the more fuel you will burn. I have friends with the same car as mine that only get 19 mpg in the city. People just need to stop being ignorant and start thinking for themselves!! Okay, I'll step down from my soap box now :)
Dave Ramsey's thoughts on cash for clunkers
I have been complianing about this 'program' since it came about. I just have to post Dave's comments because I couldn't have said it better myself. Below are his thoughts:
With all the buzz about Cash for Clunkers, it’s easy to think that it was a great way for people to get a better set of wheels. But was it really? No way! Cash for Clunkers was simply a way for broke people to buy cars that they really couldn't afford. It was a bad idea on multiple levels. But before digging into that, let’s take a little history lesson.
About a decade ago, a fair housing program was started, called a sub-prime lending market. The idea behind it was that everyone “needed” to own a home—including broke people. The government decided to start a program to reinvest in communities, which allowed pretty much anyone to borrow money to buy a house. Lending companies charged high interest rates, causing already struggling families to go even further into debt.
Basically, this was a program designed to encourage broke people to buy houses. Most people didn’t even know it existed until it unraveled and became the number-one cause of our recent recession. The government took those stupid loans back and securitized them, which created the financial mess last fall. Helping broke people buy houses didn’t turn out to be a great government program. Guess what? Helping broke people buy brand-new cars—and now home appliances—will turn out just as bad.
The Cash for Clunkers program was designed exactly for people who should not take advantage of the program. You trade your $2,000 clunker in for a brand-new, shiny $20,000 car, and the only way you can afford it is with a high-interest payment. That just means you really couldn’t afford it to begin with. Doesn’t this sound like the sub-prime mortgage problem all over again?
When you drive that new car off the lot, you’re immediately going to lose $4,500. The worst car accidents happen on the showroom floor. New cars go down in value like a rock. The government thinks it’s going to save the American auto industry by putting broke people into cars they can’t pay for. It’s going to come back to bite them—and the rest of us—in the form of taxes galore.
Another bad thing about this program is that we, the taxpayers, are paying for the new cars! It’s morally wrong of the government to take money away from us—against our will—in the form of taxes and give that money to someone else to buy a stupid car they can’t afford in the first place! This is theft, plain and simple.
Cash for Clunkers is a program that redistributes wealth in the name of the environment, and it’s going to be a curse on the car dealer and the manufacturer that carries the paper. It’s going to hurt the broke person who bought a car he couldn’t afford. And it’s already a problem for our country, because it’s adding dollars to the national debt.
There’s always a twist with government programs like this. They try to think of creative ways to help people, but the situation usually ends up worse than it did before they “helped.” In the end, I should decide what to do with my own money. If I want to buy you a car, I will! And if you can’t buy a car without actually paying for the whole thing, then you’re better off keeping your “clunker.”
So good riddance to a really bad program that has done more damage than good.
With all the buzz about Cash for Clunkers, it’s easy to think that it was a great way for people to get a better set of wheels. But was it really? No way! Cash for Clunkers was simply a way for broke people to buy cars that they really couldn't afford. It was a bad idea on multiple levels. But before digging into that, let’s take a little history lesson.
About a decade ago, a fair housing program was started, called a sub-prime lending market. The idea behind it was that everyone “needed” to own a home—including broke people. The government decided to start a program to reinvest in communities, which allowed pretty much anyone to borrow money to buy a house. Lending companies charged high interest rates, causing already struggling families to go even further into debt.
Basically, this was a program designed to encourage broke people to buy houses. Most people didn’t even know it existed until it unraveled and became the number-one cause of our recent recession. The government took those stupid loans back and securitized them, which created the financial mess last fall. Helping broke people buy houses didn’t turn out to be a great government program. Guess what? Helping broke people buy brand-new cars—and now home appliances—will turn out just as bad.
The Cash for Clunkers program was designed exactly for people who should not take advantage of the program. You trade your $2,000 clunker in for a brand-new, shiny $20,000 car, and the only way you can afford it is with a high-interest payment. That just means you really couldn’t afford it to begin with. Doesn’t this sound like the sub-prime mortgage problem all over again?
When you drive that new car off the lot, you’re immediately going to lose $4,500. The worst car accidents happen on the showroom floor. New cars go down in value like a rock. The government thinks it’s going to save the American auto industry by putting broke people into cars they can’t pay for. It’s going to come back to bite them—and the rest of us—in the form of taxes galore.
Another bad thing about this program is that we, the taxpayers, are paying for the new cars! It’s morally wrong of the government to take money away from us—against our will—in the form of taxes and give that money to someone else to buy a stupid car they can’t afford in the first place! This is theft, plain and simple.
Cash for Clunkers is a program that redistributes wealth in the name of the environment, and it’s going to be a curse on the car dealer and the manufacturer that carries the paper. It’s going to hurt the broke person who bought a car he couldn’t afford. And it’s already a problem for our country, because it’s adding dollars to the national debt.
There’s always a twist with government programs like this. They try to think of creative ways to help people, but the situation usually ends up worse than it did before they “helped.” In the end, I should decide what to do with my own money. If I want to buy you a car, I will! And if you can’t buy a car without actually paying for the whole thing, then you’re better off keeping your “clunker.”
So good riddance to a really bad program that has done more damage than good.
Wednesday, August 5, 2009
Burned Biscuits -email forward that I just had to post
When I was a little boy, my mom liked to make breakfast food for dinner every now and then. And I remember one night in particular when she had made breakfast after a long, hard day at work. On that evening so long ago, my mom placed a plate of eggs, sausage and extremely burned biscuits in front of my dad. I remember waiting to see if anyone noticed! Yet all my dad did was reach for his biscuit, smile at my mom and ask me how my day was at school. I don't remember what I told him that night, but I do remember watching him smear butter and jelly on that biscuit and eat every bite!
When I got up from the table that evening, I remember hearing my mom apologize to my dad for burning the biscuits. And I'll never forget what he said: "Baby, I love burned biscuits."
Later that night, I went to hug Daddy good night and I asked him if he really liked his biscuits burned. He wrapped me in his arms and said, "Your Momma put in a hard day at work today and she's real tired. And besides - a little burnt biscuit never hurt anyone!"
You know, life is full of imperfect things.....and imperfect people.. and I'm sure not the best at much. What I've learned over the years is that learning to accept each other's faults - and choosing to celebrate each other's differences. - is one of the most important keys to creating a healthy, growing, and lasting relationship.
And that's my prayer for you today. That you will learn to take the good, the bad, and the ugly parts of your life and lay them at the feet of God.Because in the end, He's the only One who will be able to give you a relationship where a burnt biscuit isn't a deal-breaker! We could extend this to any relationship in fact - as understanding is the base of any relationship, be it a husband-wife or parent-child or friendship, in business or otherwise!
"Don't put the key to your happiness in someone else's pocket - keep it in your own."
When I got up from the table that evening, I remember hearing my mom apologize to my dad for burning the biscuits. And I'll never forget what he said: "Baby, I love burned biscuits."
Later that night, I went to hug Daddy good night and I asked him if he really liked his biscuits burned. He wrapped me in his arms and said, "Your Momma put in a hard day at work today and she's real tired. And besides - a little burnt biscuit never hurt anyone!"
You know, life is full of imperfect things.....and imperfect people.. and I'm sure not the best at much. What I've learned over the years is that learning to accept each other's faults - and choosing to celebrate each other's differences. - is one of the most important keys to creating a healthy, growing, and lasting relationship.
And that's my prayer for you today. That you will learn to take the good, the bad, and the ugly parts of your life and lay them at the feet of God.Because in the end, He's the only One who will be able to give you a relationship where a burnt biscuit isn't a deal-breaker! We could extend this to any relationship in fact - as understanding is the base of any relationship, be it a husband-wife or parent-child or friendship, in business or otherwise!
"Don't put the key to your happiness in someone else's pocket - keep it in your own."
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