Every day another story, more of the same. Wall Street crumbles, falls, topples, drops, blah blah blah. People are being foreclosed on in rising numbers, bankruptcy filings are going through the roof... the companies that are failing the most? Credit companies. Credit cards, lenders, etc. When did credit become such a huge, can't-live-without-it deal in this country?
The mentality of so many people now-a-days is that they want something, are entitled to it, and want it NOW! They know can buy something with credit and pay it back later. Then they run into problems and have trouble paying it then, so they put it on the card. This snowballs in to a massive amount of debt and they pay and pay and pay. But what happens if you have a hiccup and can't put it on your card? Or when you start having trouble paying your cards? Then the problems grow even faster.
Now, I don't like credit cards, but this is a new turn for me. I have credit card debt that I am paying off.... what a surprise, eh? But I have since learned of the problems with credit and have changed my ways. I pay as much as I possibly can with cash. The look that I got when I paid my car payment in cash was priceless! The woman had to ask if I had a checking account or if I wanted to open one with them. She couldn't understand why I wanted to pay cash.
Now, to the main reason for this post. K-mart has re-instituted their layaway plan. That is, you take item(s) to the layaway counter, put a down payment on them, keep making payments until it is payed off and then you can take it home with you. The exact opposite of credit-cards that let you get the item now and pay for it later. I know that there are other smaller shops that do this for their customers as well.
What an interesting concept... paying for something before you get to take it home... Make sure you really want/need it. I'm not saying that you shouldn't use a credit card. I don't know your situation. But I am going to say that if you can get out and/or stay out of credit card debt, just imagine if you put the money that you are paying them and put it into the bank each month, how soon you would have enough to buy things with cash! Wouldn't it be nice to not have to worry about debt and credit card bills and car payments and someday even not worrying about a mortgage!?!?!
Think about it, and if it makes sense to you... Do It!
Friday, February 27, 2009
If I were a rich man....
Ahh, if I were a rich man, but I'm not. Oh, I'm not scraping the bottom of the barrel, but I am by no means rich. So that is why it was so good to see an article in the paper yesterday about barter coming back and becoming more acceptable. It was an AP article from Boise, Id, but I believe it is growing across the country. That's why I found the article in my little local paper.
Bartering is the art of trading goods and services for what you need/want instead of paying for them with cash money. I don't know about any of you, but I've practiced this for years in a very simple way that I never really considered barter until I really sat down and thought about it. How many of you have ever asked some friends to come help you with a project, be it building a house, pulling an engine out of the car, dropping a tree, whatever, and offered to feed them or give them beer, etc? I do it all the time... "Hey, I'll feed you if you come over and help me do X, Y, or Z!" I have a buddy who does it on a larger scale and on a regular basis. He would rebuild cars, paint them, install furnaces, etc. In return, I've known him to get cars, to get building materials, motorcycles, etc. Granted he works like a dog on these projects, but I secretly believe it is because he likes the work!
Now, no matter what may come down the pike, wouldn't it be nice to know that you have skills that are valuable? Imagine if you could trade canned produce from the garden for a side of beef, gardening work for plumbing work, etc. Think about it... you would save money, but you would have to spend some time working things out, etc.
If you don't have skills that would be useful to someone else, maybe you could stock up on valuables that other people would want. Canned produce, fresh eggs, tobacco, alcohol, etc. These old time skills served those that came before us for many a year before we became a nation of buying on credit instead of saving up for what we want/need. With the new economic issues and uncertainty, wouldn't it be nice to make sure that you have something that you could fall back on... Just In Case?
Good Trading, Everyone!
Bartering is the art of trading goods and services for what you need/want instead of paying for them with cash money. I don't know about any of you, but I've practiced this for years in a very simple way that I never really considered barter until I really sat down and thought about it. How many of you have ever asked some friends to come help you with a project, be it building a house, pulling an engine out of the car, dropping a tree, whatever, and offered to feed them or give them beer, etc? I do it all the time... "Hey, I'll feed you if you come over and help me do X, Y, or Z!" I have a buddy who does it on a larger scale and on a regular basis. He would rebuild cars, paint them, install furnaces, etc. In return, I've known him to get cars, to get building materials, motorcycles, etc. Granted he works like a dog on these projects, but I secretly believe it is because he likes the work!
Now, no matter what may come down the pike, wouldn't it be nice to know that you have skills that are valuable? Imagine if you could trade canned produce from the garden for a side of beef, gardening work for plumbing work, etc. Think about it... you would save money, but you would have to spend some time working things out, etc.
If you don't have skills that would be useful to someone else, maybe you could stock up on valuables that other people would want. Canned produce, fresh eggs, tobacco, alcohol, etc. These old time skills served those that came before us for many a year before we became a nation of buying on credit instead of saving up for what we want/need. With the new economic issues and uncertainty, wouldn't it be nice to make sure that you have something that you could fall back on... Just In Case?
Good Trading, Everyone!
Thursday, February 26, 2009
Modern Day Robin Hood?
Ok, I have seen a number of headlines that are linking our President to Robin Hood. Y'know, take from the rich, yada yada yada...
Well, wether or not you agree with what the President is doing (I personally don't), I had to take the time to explain to people what everyone seems to be forgetting about Robin Hood.
Robin Hood stole from the rich to give to the poor, right? WRONG. Robin Hood stole from the looters and thieves who stole and got their wealth through supressing the populace and gave it to the ones unfairly taken from. This means what Robin Hood really did was: Steal from the thieves and gave to the robbed.
That is not what is going on today. Today, the government is stealing, and planning to steal more, from the rightfully rich (and even moderately well-off) to give to the undeserving poor.
Does this mean that every person who has money made it legally, fairly, and ethically? No, that is not what I am saying. Look at the Bernie Madoff scandal. Does that mean that all of the "poor" are lazy slackards that just want to suckle the public teat? No, I'm not saying that either. What I am saying is that the majority of people who have money earned it and I believe you should be able to keep what you earned. I am saying that the poor who need help should look to the charity of others instead of receiving stolen goods (aka our money).
The misconception of what Robin Hood did has bred another idea that makes what is going on "OK" to so many. That is the thought that your money is not yours. Listen to so many politicians nowadays talk and you will hear that they believe that the money is the governments and you are just "borrowing" it. Taxes are just reducing the amount of your loan instead of theft of your personal property.
When you start thinking that the government owns anything instead of being a body meant to SERVE, you start down a slippery slope that will allow the dishonest few at the top to take money, freedom, liberty, guns, property, and so much more from you because it doesn't REALLY belonwg to you, they are just taking back what they believe to be theirs.
Kinda scary when you think of it that way, isn't it?
Well, wether or not you agree with what the President is doing (I personally don't), I had to take the time to explain to people what everyone seems to be forgetting about Robin Hood.
Robin Hood stole from the rich to give to the poor, right? WRONG. Robin Hood stole from the looters and thieves who stole and got their wealth through supressing the populace and gave it to the ones unfairly taken from. This means what Robin Hood really did was: Steal from the thieves and gave to the robbed.
That is not what is going on today. Today, the government is stealing, and planning to steal more, from the rightfully rich (and even moderately well-off) to give to the undeserving poor.
Does this mean that every person who has money made it legally, fairly, and ethically? No, that is not what I am saying. Look at the Bernie Madoff scandal. Does that mean that all of the "poor" are lazy slackards that just want to suckle the public teat? No, I'm not saying that either. What I am saying is that the majority of people who have money earned it and I believe you should be able to keep what you earned. I am saying that the poor who need help should look to the charity of others instead of receiving stolen goods (aka our money).
The misconception of what Robin Hood did has bred another idea that makes what is going on "OK" to so many. That is the thought that your money is not yours. Listen to so many politicians nowadays talk and you will hear that they believe that the money is the governments and you are just "borrowing" it. Taxes are just reducing the amount of your loan instead of theft of your personal property.
When you start thinking that the government owns anything instead of being a body meant to SERVE, you start down a slippery slope that will allow the dishonest few at the top to take money, freedom, liberty, guns, property, and so much more from you because it doesn't REALLY belonwg to you, they are just taking back what they believe to be theirs.
Kinda scary when you think of it that way, isn't it?
Wednesday, February 25, 2009
Hmmm, HoneyComb!
Ok, slightly new ground for me. Health and medicine. I almost never get sick, and if I do get snuffly or sneezy, I just bull my way through it. However, this past weekend, I got laid out by a nasty little bug. Tonsils swollen so bad that I could barely swallow, fever, chills, etc. The whole magilla. Now, I did my normal deal when being sick and whatnot, but the wife mentioned something that we had picked up a while back... Honey w/ the comb! Hmmm, ok, I normally do tea with honey and lemon juice when I am not feeling well, but I had not done the Honey Comb.
This stuff is amazing. It is a unique texture and is a little strange the first time you do it, but... it works. It worked better than most anything else for soothing and reducing the size and swelling in my tonsils. I believe it helped me with my fever and everything else that was wrong with me.
So what do I do when I come across something like this? I look it up, and sure enough all over the place there are reviews and supporters for raw (non-pasteurized) honey and for chewing on the comb. The recommendations are everything from put it on wounds to chew for reduction in sinuse problems, allergy problems, swelling, etc. I will attest that it worked for me this time, the first time I used it!
As this is a quicker post, I don't have a list of sources for you, but there are plenty out there. I am just going to urge everyone to read up on it, and if you think that it's as good for you as I think, you find a local source and get some of the comb if you can! If you have the land, think about raising bees of your own. Find and talk to a local beekeeping club, they should be able to point you in the right direction if you want to start raising your own, or if you just want to buy some for the family. This is just my opinion, but I say... It's worth it!
This stuff is amazing. It is a unique texture and is a little strange the first time you do it, but... it works. It worked better than most anything else for soothing and reducing the size and swelling in my tonsils. I believe it helped me with my fever and everything else that was wrong with me.
So what do I do when I come across something like this? I look it up, and sure enough all over the place there are reviews and supporters for raw (non-pasteurized) honey and for chewing on the comb. The recommendations are everything from put it on wounds to chew for reduction in sinuse problems, allergy problems, swelling, etc. I will attest that it worked for me this time, the first time I used it!
As this is a quicker post, I don't have a list of sources for you, but there are plenty out there. I am just going to urge everyone to read up on it, and if you think that it's as good for you as I think, you find a local source and get some of the comb if you can! If you have the land, think about raising bees of your own. Find and talk to a local beekeeping club, they should be able to point you in the right direction if you want to start raising your own, or if you just want to buy some for the family. This is just my opinion, but I say... It's worth it!
Monday, February 23, 2009
What is the "Middle Class"?
Ok, I was poking around on the White House website, just looking at what is going on. Looking to see if there was anything new upm, etc. So I see a bit about the new Middle Class Task Force. Hmmm, ok, let's take a look.
Run by Vice-President Joe Bidet... oh um, I mean Biden. The goals of this task force are:
*Expanding education and lifelong training opportunities
*Improving work and family balance
*Restoring labor standards, including workplace safety
*Helping to protect middle-class and working-family incomes
*Protecting retirement security
Hmmm, I guess this sounds ok. (Not really, but hey, I will go with it to get to my point).
Now, this is to help the Middle Class. Riddle me this... Who Are The Middle Class????
Look it up online, there is no set definition for this. For salaries it can range from 25,000/year to over 100,000/year. Now, I've never made 100k a year, but I have made 25-30k per year. I wouldn't have considered myself middle-class. I knew I wasn't poor (I was doing computer work for a free care clinic, so I got to see the truly poor), but I didn't feel like middle-class. Of course, I wasn't thinking about labels either! Now, I can imagine how much 100k/year would be. If I compared the two, I would have to say that they aren't in the same league, but we are being told that they are both the Middle Class. Ok, even if I swallowed that... Can you tell me how something that would help the person making 25k/year is going to help the 100k/year person? If they are making 100k/year they might just be doing a teeny bit better financially. But then again, the 100k/year person is paying a significantly higher amount of their income in TAXES!!! hmmm, maybe that "evens things out"..
I would have to say salary is not exactly a good indicator of social standing, but for the "average" person, I guess it works ok. I say this because as a homesteading and self-sufficiency seeking family, I can see having NO DEBT at all, and working a part time job making 25k to pay for toys and extras, but having the necessities covered. This works at the bottom and the top ends of this range.
So let's take some time, and think about what this means. Until we have a definition of terms like these, whenever the government tosses out things like the "Middle Class Task Force" can be used for whatever they want and they will just shove more into the "Middle Class". Let's make sure we are all on the same page here, folks.
Run by Vice-President Joe Bidet... oh um, I mean Biden. The goals of this task force are:
*Expanding education and lifelong training opportunities
*Improving work and family balance
*Restoring labor standards, including workplace safety
*Helping to protect middle-class and working-family incomes
*Protecting retirement security
Hmmm, I guess this sounds ok. (Not really, but hey, I will go with it to get to my point).
Now, this is to help the Middle Class. Riddle me this... Who Are The Middle Class????
Look it up online, there is no set definition for this. For salaries it can range from 25,000/year to over 100,000/year. Now, I've never made 100k a year, but I have made 25-30k per year. I wouldn't have considered myself middle-class. I knew I wasn't poor (I was doing computer work for a free care clinic, so I got to see the truly poor), but I didn't feel like middle-class. Of course, I wasn't thinking about labels either! Now, I can imagine how much 100k/year would be. If I compared the two, I would have to say that they aren't in the same league, but we are being told that they are both the Middle Class. Ok, even if I swallowed that... Can you tell me how something that would help the person making 25k/year is going to help the 100k/year person? If they are making 100k/year they might just be doing a teeny bit better financially. But then again, the 100k/year person is paying a significantly higher amount of their income in TAXES!!! hmmm, maybe that "evens things out"..
I would have to say salary is not exactly a good indicator of social standing, but for the "average" person, I guess it works ok. I say this because as a homesteading and self-sufficiency seeking family, I can see having NO DEBT at all, and working a part time job making 25k to pay for toys and extras, but having the necessities covered. This works at the bottom and the top ends of this range.
So let's take some time, and think about what this means. Until we have a definition of terms like these, whenever the government tosses out things like the "Middle Class Task Force" can be used for whatever they want and they will just shove more into the "Middle Class". Let's make sure we are all on the same page here, folks.
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