In previous years I've never gone to any Black Friday sales, because I like sleeping in more than "getting a deal" on something at 6am. Trying not to get run over or getting in a fight with somebody also didn't appeal to me.
This year, I was talking to a friend about it... she goes to Walmart every year and buys a new printer because a new printer is cheaper than buying a refill ink cartridge. So I went home and did a couple hours of ad searching trying to find something I would want.
When I shop, I look only for things I would use, have space for, and already want. Then I check reviews, and pick the best brand and model.
Looking at the ads, what I saw was: cheapest crappy brand = moderate sale price. And I didn't find a single thing that even approached a brand/model combo I was interested in. And that Walmart printer? It's $30 on ad instead of $40 regularly because it's just that cheap. 25% off is not a blowout deal.
But as each year brings on an earlier and earlier opening doors time, and this year, where stores open at 6pm ON THANKSGIVING, I'm disgusted. Disgusted that employees have to work because people will go shopping. I believe in boycotting stores on days I wouldn't want to work. That includes Sundays, LDS General Conference weekend, and holidays - including the day before and after.
This is where I admit I went to the store this Thanksgiving morning. It was kind of an ox in the mire. I was out of milk, and my 1 year old needs something to drink. So, on my way out, I tipped my cashier, and the grocery cart collector. They both were surprised and happy about it. And it made me feel good doing the giving. I definitely recommend tipping employees when you're shopping on a day you wouldn't want to be at work.
Thursday, November 28, 2013
Friday, November 8, 2013
Photos and Memories
There are pictures that were taken well and are beautiful. And there are some that are not. But what's most interesting is how sometimes the most well taken pictures bring back some of the worst memories. And as much as I would love to switch my good memories to the ones I have good pictures of, it doesn't work that way. And them, sometimes a very mediocre photo is the most important one.
Thursday, October 3, 2013
A Clear Picture of Why there is a Government Shutdown
What is the government shutdown all about?
Monday (Oct.1) evening I watched C-Span for 4 hours, back and forth between the house and the senate votes and arguments. It gave me a much clearer picture than what the Nightly News was reporting to me (Sunday, Sept 30th).
Basically there are a list of things that need to be voted on to be funded. The government has bundled several of them together for whatever reason. That's in the past. Republicans don't like Obamacare and are trying to get rid of it, so they are trying to extract that from the bundle. Democrats and Obama feel like Obamacare is their baby - their creation - and realize that if they fund National Parks, VA, etc etc separately from Obamacare, that Obamacare will never get it's funding passed because they won't have their 2/3rds majority.
So, despite the Nightly News saying that Republicans are holding the United States citizens hostage over Obamacare, it is technically the Democrats who are. You disagree? Let's review the definition of a hostage. A hostage is a person held by one party in a conflict as security that specified terms will be met by the opposing party. (http://www.thefreedictionary.com/hostage)
Democrats are holding the funding of National parks, VA, WIC offices, and other services used and depended on by citizens of the United States to force Republicans to agree to fund Obamacare so that they can save these other services that the citizens depend on.
What citizens are saying
Did I mention I was watching tweets all evening throughout the c-span live feed video? Most people are posting how angry they are about how it's affecting their lives, or else they're cracking jokes. And about 70% of the 'facts' people are throwing around, are actually untrue rumors. I suddenly understand why my brother-in-law gets so frustrated with people who cry political victim all the time and that's because they're arguing about things that didn't happen. But at the same time, I can totally see WHY that happens. Despite all the "research papers" I was assigned to write in school, not a single one of them required me to Find An Original Source. I think only a small minority know where to find the original source. But everybody knows how to watch the Nightly News.
Obamacare is good and bad and legal and unconstitutional?
Oh, and the reason Obamacare is unconstitutional? Let me explain: the legislative branch Writes law and the Judicial Branch Interpretes law, and the Executive branch Enforces the law but Obamacare is Written AND Enforced by the legislative branch. The penalty for not following the mandates of the law is a monetary fine via IRS taxes. The IRS is under the Legislative Branch. However, the Supreme Court has decided that Obamacare IS constitutional and it is their job to Interprete the law, so by that standard it IS legal.
An Update to my Last post
After watching all the arguments pro and con for Obamacare, my perspective has become a bit more rounded. I now realize I've been focusing on all the things it could and likely would break... and ignoring all the great intentions it has. So let me list them here: (I may forget some items and may add them later, as it has been 24 hours since I heard the arguments and have forgotten some of them. I'm also expanding a little on what was said, from life experience or the reported experience I've heard from others.)
PROS:
PRE-EXISTING CONDITIONS ARE COVERED - Children born with major health problems can now get healthcare without sending their parents into bankruptcy. Children cannot be put onto a healthcare plan until they're officially born, so born with problems means instant uninsurability.
AFFORDABLE - Children, Teens and Adults with painful and difficult health problems can now hope to afford healthcare and receive a greater level of comfort and functionality without fear of bankruptcy.
ACCESS - Mental Illness patients can now receive help they previously had limited access to. Where previously if they couldn't afford to pay an extended mental hospital stay they were booted back on the street... now they can get continual help... assuming there are enough rooms. They can also consistently attend therapy and counseling... a vital piece to recovery.
COVERED - Young Adults and college students can be on their parents plans while they go to school or advance in a career to prepare to be in a place where they can afford to pay for their own health insurance.
COMFORT IN CRISIS - A health crisis does not cost a financial crisis or a "what should we do" crisis because people feel like they can go to the doctor without turning their whole life upside down.
CONS:
TOO EXPENSIVE - Insurance premiums will rise dramatically as they attempt to compensate for expensive prescriptions, surgical procedures and time consuming care that they are now required to cover for people they can no longer deny insurance to. Etna Health Insurance of Georgia sent a letter to the homes of their customers and to one in particular, saying, you can keep your current plan for 2013 at the current premium level of $300-something and then pick a new plan under Obamacare in 2014, OR you can enroll or be automatically enrolled into Obamacare for 2013 and pay a premium of $600-something. One 89-year-old man asked C-span after the broadcast, "Am I Worth Saving? What, I might live for an extra 3 months?"
PRIVACY BREECHES - The Health Exchange Website has now become the #1 hacking website in the United States. All of your contact information is on it. All of your financial information is on it. Your Tax information is on it (SS#). And all of your Health Information is already on it. (How do I know your health information is already on it? Have you seen a doctor? Did he put your information into a computer? Is your doctor compliant with "meaningful use"?) That means your information is on the HIE or Health Information Exchange where doctors all over the country can pull up your information and make sure you're not trying to get oxycoton from 5 different doctors in the same month. How's that for privacy? Great and frustrating for would be drug dealers; terrible if said drug dealer stole your month's stash of medication and you can't get more because every doctor in America already knows you got your months supply.
POOR SERVICE - For those of you who have waited in line at Wal-mart for a prescription have likely heard some old person freaking out at the counter trying to get Medicaid to behave because they need to start their refill TODAY! Every time I hear this, I thank my lucky stars... and God... that I don't have to be on Medicaid. If government ran like a business, everyone of them would be fired. They're inefficient and incompetent with a model of "one size fits all." If the clothing industry had that motto, we'd all be in big trouble.
WHERE'S DOC? - One of the biggest problems with Obamacare is the drop in pay that doctors receive. Doctors go through 8-12+ years of EXPENSIVE schooling to get a degree to practice medicine. They NEED a high income to CATCH UP with the rest of the middle class to pay off those loans and buy a house like an American with an American dream. The lack of pay Obama has allocated to doctors will insure that there Won't Be very many doctors in the future and has Killed one of the biggest Incentives to become one.
GOOD AND/OR BAD:
I wasn't sure where to put these points because it depends on your perspective.
SOCIALIZED HEALTHCARE - Everyone has coverage and everyone has the same coverage. But no one has top quality coverage. Also, you will have to schedule everything 3 months in advance. The lack of doctors have left the doctors very busy.
In Conclusion
After all the arguments were all laid out, I realized I wasn't as opposed to Obamacare, or the IDEA of Obamacare, as I originally thought. It means well. It could be a good program. It some situations it might even be ideal. But my conclusion was still the same. America can't afford the programs it already has. Social Security has a death date at the rate it's being used. The United States can't pay it's debt without taking out another credit card (aka raising the debt ceiling - a discussion with a deadline of Oct. 15th; just 2 weeks away). And debt will catch up with the borrower... despite everyone's denial that it can't happen to a government... Especially one so "great" as the United States. (Titanic ring a bell?)
Who is Obama?
What I can't figure out is Obama's intentions. I think that he's a good Father. I think that he's a kind and civil person. I think that he is an incredibly talented public speaker. And I know he can't do basic Math. Because he gave a speech about his Math and said it works. And I did the Math with Dave Ramsey and hundreds of other Americans and his math doesn't work. He must have forgot to mention the ESW line. That stands for "Error Some Where".
But what I really can't figure out is an intention that, on the surface, looks to be of good will... but the policy implemented looks to redefine the balance of power in government.
Example #1 - Obama is credited with writing the Healthcare bill. Obama is the president of the United States. His job is the supreme decision-maker of the Executive Branch - the law enforcement branch. Previous presidents only signed bills and vetoed bills, but also directed government towards issues that particular president wanted to address. He's over-stepping his powers... to accomplish what? His immediate agenda? Or a future military takeover?
Example #2 - I just spent 10 minutes looking for it and I'll have to find it later - when it's not 2:30 in the morning. Obama passed some law and/or created a new precedent about 2 years ago, that was ambiguous but gave government the right to invade your privacy and disrupt or destroy your life on the suspicion of terrorism. It was mostly meant for national security and public safety but the allowances could give an evil man legal power to destroy the freedom of citizens in this country.
Example #3 - Obama said this week, something along the lines of, 'Raising the debt ceiling has happened 45 times and it is a Normal way of life. This is the way that government is suppose to run.' - - - Oh, wait, this isn't a mystery of whether he believes the lie he just told - - - he does, because we've already determined that he can't do basic Math. But he is a Clever Public Speaker because he can make you feel like you are the stupid one for not understanding his math.
Done
I'm done writing. This is already too long. And I feel rambling coming on. And my best thinking left an hour ago. Be Kind. Rewind. G'night.
Monday (Oct.1) evening I watched C-Span for 4 hours, back and forth between the house and the senate votes and arguments. It gave me a much clearer picture than what the Nightly News was reporting to me (Sunday, Sept 30th).
Basically there are a list of things that need to be voted on to be funded. The government has bundled several of them together for whatever reason. That's in the past. Republicans don't like Obamacare and are trying to get rid of it, so they are trying to extract that from the bundle. Democrats and Obama feel like Obamacare is their baby - their creation - and realize that if they fund National Parks, VA, etc etc separately from Obamacare, that Obamacare will never get it's funding passed because they won't have their 2/3rds majority.
So, despite the Nightly News saying that Republicans are holding the United States citizens hostage over Obamacare, it is technically the Democrats who are. You disagree? Let's review the definition of a hostage. A hostage is a person held by one party in a conflict as security that specified terms will be met by the opposing party. (http://www.thefreedictionary.com/hostage)
Democrats are holding the funding of National parks, VA, WIC offices, and other services used and depended on by citizens of the United States to force Republicans to agree to fund Obamacare so that they can save these other services that the citizens depend on.
What citizens are saying
Did I mention I was watching tweets all evening throughout the c-span live feed video? Most people are posting how angry they are about how it's affecting their lives, or else they're cracking jokes. And about 70% of the 'facts' people are throwing around, are actually untrue rumors. I suddenly understand why my brother-in-law gets so frustrated with people who cry political victim all the time and that's because they're arguing about things that didn't happen. But at the same time, I can totally see WHY that happens. Despite all the "research papers" I was assigned to write in school, not a single one of them required me to Find An Original Source. I think only a small minority know where to find the original source. But everybody knows how to watch the Nightly News.
Obamacare is good and bad and legal and unconstitutional?
Oh, and the reason Obamacare is unconstitutional? Let me explain: the legislative branch Writes law and the Judicial Branch Interpretes law, and the Executive branch Enforces the law but Obamacare is Written AND Enforced by the legislative branch. The penalty for not following the mandates of the law is a monetary fine via IRS taxes. The IRS is under the Legislative Branch. However, the Supreme Court has decided that Obamacare IS constitutional and it is their job to Interprete the law, so by that standard it IS legal.
An Update to my Last post
After watching all the arguments pro and con for Obamacare, my perspective has become a bit more rounded. I now realize I've been focusing on all the things it could and likely would break... and ignoring all the great intentions it has. So let me list them here: (I may forget some items and may add them later, as it has been 24 hours since I heard the arguments and have forgotten some of them. I'm also expanding a little on what was said, from life experience or the reported experience I've heard from others.)
PROS:
PRE-EXISTING CONDITIONS ARE COVERED - Children born with major health problems can now get healthcare without sending their parents into bankruptcy. Children cannot be put onto a healthcare plan until they're officially born, so born with problems means instant uninsurability.
AFFORDABLE - Children, Teens and Adults with painful and difficult health problems can now hope to afford healthcare and receive a greater level of comfort and functionality without fear of bankruptcy.
ACCESS - Mental Illness patients can now receive help they previously had limited access to. Where previously if they couldn't afford to pay an extended mental hospital stay they were booted back on the street... now they can get continual help... assuming there are enough rooms. They can also consistently attend therapy and counseling... a vital piece to recovery.
COVERED - Young Adults and college students can be on their parents plans while they go to school or advance in a career to prepare to be in a place where they can afford to pay for their own health insurance.
COMFORT IN CRISIS - A health crisis does not cost a financial crisis or a "what should we do" crisis because people feel like they can go to the doctor without turning their whole life upside down.
CONS:
TOO EXPENSIVE - Insurance premiums will rise dramatically as they attempt to compensate for expensive prescriptions, surgical procedures and time consuming care that they are now required to cover for people they can no longer deny insurance to. Etna Health Insurance of Georgia sent a letter to the homes of their customers and to one in particular, saying, you can keep your current plan for 2013 at the current premium level of $300-something and then pick a new plan under Obamacare in 2014, OR you can enroll or be automatically enrolled into Obamacare for 2013 and pay a premium of $600-something. One 89-year-old man asked C-span after the broadcast, "Am I Worth Saving? What, I might live for an extra 3 months?"
PRIVACY BREECHES - The Health Exchange Website has now become the #1 hacking website in the United States. All of your contact information is on it. All of your financial information is on it. Your Tax information is on it (SS#). And all of your Health Information is already on it. (How do I know your health information is already on it? Have you seen a doctor? Did he put your information into a computer? Is your doctor compliant with "meaningful use"?) That means your information is on the HIE or Health Information Exchange where doctors all over the country can pull up your information and make sure you're not trying to get oxycoton from 5 different doctors in the same month. How's that for privacy? Great and frustrating for would be drug dealers; terrible if said drug dealer stole your month's stash of medication and you can't get more because every doctor in America already knows you got your months supply.
POOR SERVICE - For those of you who have waited in line at Wal-mart for a prescription have likely heard some old person freaking out at the counter trying to get Medicaid to behave because they need to start their refill TODAY! Every time I hear this, I thank my lucky stars... and God... that I don't have to be on Medicaid. If government ran like a business, everyone of them would be fired. They're inefficient and incompetent with a model of "one size fits all." If the clothing industry had that motto, we'd all be in big trouble.
WHERE'S DOC? - One of the biggest problems with Obamacare is the drop in pay that doctors receive. Doctors go through 8-12+ years of EXPENSIVE schooling to get a degree to practice medicine. They NEED a high income to CATCH UP with the rest of the middle class to pay off those loans and buy a house like an American with an American dream. The lack of pay Obama has allocated to doctors will insure that there Won't Be very many doctors in the future and has Killed one of the biggest Incentives to become one.
GOOD AND/OR BAD:
I wasn't sure where to put these points because it depends on your perspective.
SOCIALIZED HEALTHCARE - Everyone has coverage and everyone has the same coverage. But no one has top quality coverage. Also, you will have to schedule everything 3 months in advance. The lack of doctors have left the doctors very busy.
In Conclusion
After all the arguments were all laid out, I realized I wasn't as opposed to Obamacare, or the IDEA of Obamacare, as I originally thought. It means well. It could be a good program. It some situations it might even be ideal. But my conclusion was still the same. America can't afford the programs it already has. Social Security has a death date at the rate it's being used. The United States can't pay it's debt without taking out another credit card (aka raising the debt ceiling - a discussion with a deadline of Oct. 15th; just 2 weeks away). And debt will catch up with the borrower... despite everyone's denial that it can't happen to a government... Especially one so "great" as the United States. (Titanic ring a bell?)
Who is Obama?
What I can't figure out is Obama's intentions. I think that he's a good Father. I think that he's a kind and civil person. I think that he is an incredibly talented public speaker. And I know he can't do basic Math. Because he gave a speech about his Math and said it works. And I did the Math with Dave Ramsey and hundreds of other Americans and his math doesn't work. He must have forgot to mention the ESW line. That stands for "Error Some Where".
But what I really can't figure out is an intention that, on the surface, looks to be of good will... but the policy implemented looks to redefine the balance of power in government.
Example #1 - Obama is credited with writing the Healthcare bill. Obama is the president of the United States. His job is the supreme decision-maker of the Executive Branch - the law enforcement branch. Previous presidents only signed bills and vetoed bills, but also directed government towards issues that particular president wanted to address. He's over-stepping his powers... to accomplish what? His immediate agenda? Or a future military takeover?
Example #2 - I just spent 10 minutes looking for it and I'll have to find it later - when it's not 2:30 in the morning. Obama passed some law and/or created a new precedent about 2 years ago, that was ambiguous but gave government the right to invade your privacy and disrupt or destroy your life on the suspicion of terrorism. It was mostly meant for national security and public safety but the allowances could give an evil man legal power to destroy the freedom of citizens in this country.
Example #3 - Obama said this week, something along the lines of, 'Raising the debt ceiling has happened 45 times and it is a Normal way of life. This is the way that government is suppose to run.' - - - Oh, wait, this isn't a mystery of whether he believes the lie he just told - - - he does, because we've already determined that he can't do basic Math. But he is a Clever Public Speaker because he can make you feel like you are the stupid one for not understanding his math.
Done
I'm done writing. This is already too long. And I feel rambling coming on. And my best thinking left an hour ago. Be Kind. Rewind. G'night.
Monday, September 30, 2013
Government Shutdown could be a Good Thing
The Nightly News report on Sunday talked about the possible "government shutdown" that could happen tonight at midnight, if congress can't decide how to spend money. I wondered, what does that mean?
According to a couple of websites...
66 questions and answers about the government shutdown
According to a couple of websites...
66 questions and answers about the government shutdown
10 ways a government shutdown would affect your daily life
...there are several things that would happen and affect Americans somewhere between an inconvenience and a life crisis. Inconveniences would include - some government offices being closed. You wouldn't be able to get certain things or else it would get delayed... your passport, for example. Customer service for government programs would be closed. Crises include not getting paid if you're a federal worker, or having your paycheck delayed... which really, is only an crises for those who live paycheck to paycheck... which more than 60% of Americans do, according to Dave Ramsey. Or, if your business depends on tourism to national parks... because in a government shutdown, the parks would all be closed.
But what is most interesting to me is HOW the news articles and TV clips reported it. They said it was possibly going to happen if republicans and democrats couldn't agree. But when they tried to explain what the hangup was, their wordage seemed to suggest one side was clearly wrong... "House republicans won't pass the bill because they don't want to fund Obamacare (aka The Affordable Care Act) which will continue moving forward anyway, and if the government goes into shutdown, it could cost the American people millions." (not an exact direct quote, fyi.)
But, wouldn't agreeing to fund Obamacare cost the American people several millions or Billions more?
I think Republican's are right to defund Obamacare. It's unconstitutional and I Don't Want It.
Reasons I don't want it:
1. As a former poor college student, I couldn't afford it. Not even if it was only $10 per month.
2. I believe in the freedom of choice. I want to choose what insurance I'll pay for and if I even want it to begin with.
3. There are speculations and some clear numbers coming out that say the middle class will become part of the poor class if Obamacare (and other things) stick around. I'm unwilling to fund something that will send my family towards the poverty line along with the rest of the middle class! I'd prefer to raise my [future] several children in a place with more than 2 bedrooms, thank you!
4. I intend to save and be wealthy when I'm an old person. If I'm wealthy, I don't need health insurance because I'll Have Money. At that point, I can go to any doctor I want to!
One politician said "This isn't the time to be debating the funding of Obamacare" and I don't know if he's right or wrong, but I do know that there comes times in our nation where the constitution hangs by a thread and the citizens of this nation need to rise up and support the constitution against corrupt congressmen and illegal legislation. I think this might be one of those times.
In my household, if I can't afford it even when all my priorities are straight, then I think congress can't afford it either. Congress, Do Not Fund something the Citizens of This Nation cannot Afford!
...there are several things that would happen and affect Americans somewhere between an inconvenience and a life crisis. Inconveniences would include - some government offices being closed. You wouldn't be able to get certain things or else it would get delayed... your passport, for example. Customer service for government programs would be closed. Crises include not getting paid if you're a federal worker, or having your paycheck delayed... which really, is only an crises for those who live paycheck to paycheck... which more than 60% of Americans do, according to Dave Ramsey. Or, if your business depends on tourism to national parks... because in a government shutdown, the parks would all be closed.
But what is most interesting to me is HOW the news articles and TV clips reported it. They said it was possibly going to happen if republicans and democrats couldn't agree. But when they tried to explain what the hangup was, their wordage seemed to suggest one side was clearly wrong... "House republicans won't pass the bill because they don't want to fund Obamacare (aka The Affordable Care Act) which will continue moving forward anyway, and if the government goes into shutdown, it could cost the American people millions." (not an exact direct quote, fyi.)
But, wouldn't agreeing to fund Obamacare cost the American people several millions or Billions more?
I think Republican's are right to defund Obamacare. It's unconstitutional and I Don't Want It.
Reasons I don't want it:
1. As a former poor college student, I couldn't afford it. Not even if it was only $10 per month.
2. I believe in the freedom of choice. I want to choose what insurance I'll pay for and if I even want it to begin with.
3. There are speculations and some clear numbers coming out that say the middle class will become part of the poor class if Obamacare (and other things) stick around. I'm unwilling to fund something that will send my family towards the poverty line along with the rest of the middle class! I'd prefer to raise my [future] several children in a place with more than 2 bedrooms, thank you!
4. I intend to save and be wealthy when I'm an old person. If I'm wealthy, I don't need health insurance because I'll Have Money. At that point, I can go to any doctor I want to!
One politician said "This isn't the time to be debating the funding of Obamacare" and I don't know if he's right or wrong, but I do know that there comes times in our nation where the constitution hangs by a thread and the citizens of this nation need to rise up and support the constitution against corrupt congressmen and illegal legislation. I think this might be one of those times.
In my household, if I can't afford it even when all my priorities are straight, then I think congress can't afford it either. Congress, Do Not Fund something the Citizens of This Nation cannot Afford!
Tuesday, September 24, 2013
A Living Will
Creating a Will has been on my to do list since I started planning for the arrival of my first child (one year ago). Why? Because supposedly that's recommended. But don't I need a lawyer for that? Not necessarily. Apparently you are allowed to type one up at home, sign it and file it away where someone can find it.
I finally did it today, but not because I finally got to it on my to do list.
A few months ago, my mother-in-law passed away prematurely from cancer. In the last couple of weeks, we, children, have learned that dad doesn't want all this stuff in his house, so he's given the job to his children while he's working out of state for a year. So in other words, we're divvying up the estate. His daughter, Melissa, and her family have moved into his house (though not necessarily realizing he was about to assign us the task of cleaning).
I was over there last Saturday while most of the children/family was present, and it was a mix of discussion, choking up, and borderline arguments... as is expected for these kinds of things. I stayed quiet; I'm an in-law. I knew her for only 3 years and I have almost no sentimental value attached to anything in the house. But when one sister-in-law told me if I didn't go ransack the sewing closet it was all going to get thrown away... and hurry down there right now!... I did as urged.
I realized that there are different reasons to claiming an item for inheritance. First, because it's sentimental. It reminds you of them. It could be anything... a christmas ornament, a baby blanket, a photo, or a decorative plate, for example. Then there are things that you want to inherit because that means you don't have to go purchase it in the future - a bicycle, silverware, a bed frame or dresser. And lastly, claiming things of value. These are the items you want simply to sell for it's cash value; or to keep because you know it's Worth Something (you packrats out there).
When I started writing my will today (and by that I mean yesterday, since it's technically past midnight and I haven't fallen asleep), I started writing out my valuable assets and trying to decide who should get them. But after a couple of hours, I was still struggling to figure out who to give it to... and my list started looking like an inventory sheet. So then I focused on a single person to gift something to... and I picked something that wasn't even on the list.
At that moment it hit me... you don't gift people items you think they could use, you gift them the same way you would gift them a very thoughtful Christmas present. Something with meaning; a token of love. That doesn't mean it's not useful... it totally could be. It Could also be Worth Something... but the point is that it is meaningful.
Mom gifted me with her watercolor supplies. Something about us spending an afternoon of me learning to Watercolor from her. I remember that experience as me feeling sheepish about not practicing more and struggling at the basic concepts, despite my having taken a college class. But if she gave me these things as a meaningful thing... what was the meaning of that experience to her?
And I realized she must of felt excited. Connected. She loved to teach and Dave told me that if she had chosen to work a job, it would have been a teacher. But she loved being a Mom and teaching her kids about everything. And I was a new kid added to her family that she could teach skills to. And watercolor wasn't necessarily one she just taught everyone how to do (like canning was - all her kids seemed to know lots about canning). Watercolor was special. Watercolor supplies could remind me of that time when we worked on that together. It was a nice afternoon of few interruptions and a moment we got to spend time together and get to know each other. Those were pretty rare.
I finally did it today, but not because I finally got to it on my to do list.
A few months ago, my mother-in-law passed away prematurely from cancer. In the last couple of weeks, we, children, have learned that dad doesn't want all this stuff in his house, so he's given the job to his children while he's working out of state for a year. So in other words, we're divvying up the estate. His daughter, Melissa, and her family have moved into his house (though not necessarily realizing he was about to assign us the task of cleaning).
I was over there last Saturday while most of the children/family was present, and it was a mix of discussion, choking up, and borderline arguments... as is expected for these kinds of things. I stayed quiet; I'm an in-law. I knew her for only 3 years and I have almost no sentimental value attached to anything in the house. But when one sister-in-law told me if I didn't go ransack the sewing closet it was all going to get thrown away... and hurry down there right now!... I did as urged.
I realized that there are different reasons to claiming an item for inheritance. First, because it's sentimental. It reminds you of them. It could be anything... a christmas ornament, a baby blanket, a photo, or a decorative plate, for example. Then there are things that you want to inherit because that means you don't have to go purchase it in the future - a bicycle, silverware, a bed frame or dresser. And lastly, claiming things of value. These are the items you want simply to sell for it's cash value; or to keep because you know it's Worth Something (you packrats out there).
When I started writing my will today (and by that I mean yesterday, since it's technically past midnight and I haven't fallen asleep), I started writing out my valuable assets and trying to decide who should get them. But after a couple of hours, I was still struggling to figure out who to give it to... and my list started looking like an inventory sheet. So then I focused on a single person to gift something to... and I picked something that wasn't even on the list.
At that moment it hit me... you don't gift people items you think they could use, you gift them the same way you would gift them a very thoughtful Christmas present. Something with meaning; a token of love. That doesn't mean it's not useful... it totally could be. It Could also be Worth Something... but the point is that it is meaningful.
Mom gifted me with her watercolor supplies. Something about us spending an afternoon of me learning to Watercolor from her. I remember that experience as me feeling sheepish about not practicing more and struggling at the basic concepts, despite my having taken a college class. But if she gave me these things as a meaningful thing... what was the meaning of that experience to her?
And I realized she must of felt excited. Connected. She loved to teach and Dave told me that if she had chosen to work a job, it would have been a teacher. But she loved being a Mom and teaching her kids about everything. And I was a new kid added to her family that she could teach skills to. And watercolor wasn't necessarily one she just taught everyone how to do (like canning was - all her kids seemed to know lots about canning). Watercolor was special. Watercolor supplies could remind me of that time when we worked on that together. It was a nice afternoon of few interruptions and a moment we got to spend time together and get to know each other. Those were pretty rare.
Thursday, September 19, 2013
Financial Peace University
My husband and I are taking a 9 week class on Dave Ramsey's Financial Peace University courses. There are a few things that I've learned from either the classes or as I've started reading through The Total Money Makeover that I want to reference here for a future time.
DVD 2 from class - Teaching children money:
Young Children (age 4-9)
1. Pay them COMMISSIONS, not allowance. This chore pays X amount each time it's done.
2. Commission earned is paid weekly or regularly... like payday at work!
3. Have assigned chores just because they are part of this family and live in this house. (aka Kitchen chores. Then trash, bathroom, clean closets, etc are commission. )
4. Allow a child to take his earned money to the store and buy a toy. If they pick something too expensive, allow them to take it to the cash register and realize they can't buy it because they can't afford it.
5. Letting a child borrow money teaches them to gratify now and get in debt. Do not let them carry a negative balance.
Stage 2 (age 10-15)
6. Create 3 envelopes - Saving, Spending, and Giving
Teenager (age 16-18)
7. Open a checking account under their name - the money that would be spent on them - clothing, etc, they are now responsible. They are also accountable for bounced checks. Go to bank and have child apologize to bank manager for "lying" about having money which lead to the bounced check.
Money Makeover Book - ch 2 or 3
Rent to Own and leasing (a car) is a bad idea because you spend much more on renting it (washer/dryer) than if you just saved up that money for 6 weeks while using a (laundromat).
Millionaires buy newer used cars - cars loose most of their value in the first two years - $100 a week. Never lease a car. It's the worst deal. You pay the difference of the quick depreciation.
It buy a nice car - the first car driven should be a total piece of junk-ish. Save money as if you were paying a car payment then buy a nice car for less.
If you pay cash - always ask and/or get it at a discount. If they won't, go to their competitors. If you pay cash, you should always receive a deal.
You don't need a credit card for anything. A debit card used as 'credit' will have all the same protection on it. You also don't need a credit (FICO) score. If you pay in cash, you won't need a credit check. For a house, find a mortgage company that will look deeper than just a FICO score. Millionaires don't have a credit score.
FICO score is not how well you deal with money, it's how much you love debt! Why? The Fico score is
##% how much debt
##% length of time with debt
##% types of debt
##% something
##% something
(It's in his book; i'm not going to look it up and finish this. You can go read the book.)
I think that's it for now!
Tuesday, August 27, 2013
Color Me Purple
I got a phone call this morning to update some of my information (it was legitimate). They call me every 4 months to do this. But the phone call is VERY long, and it occurred to me that some of the answers to the questions are not going to change. And so I made a comic about it:
Note - The pictures were just copied off of google search images.
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