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Archive for September, 2010

Economy Recovering? Not Here!

September 23rd, 2010 at 08:42 pm

I have to say that I'm somewhere between skeptical and a snort of disbelief, when I read that the economy is recovering. Don't take that oxygen off just yet Doc! Case in point: I had some nice big man sized clothes that came to us when my FIL passed away over a year ago. We got them because my Hubby is the same size. Only problem, my FIL was 5'4" and Hubby is about 6'. So after shuffling them around in the closet for a year, I put them on the local freecycle website. I had 29 replies in the first 8 hours! Several people wrote me about how expensive bigger sizes are, and they can't find them at the local WallyWorld (yeah, you know), I ended up splitting them up into several bundles. Our local newspaper ran a front page story this week, on how to apply for free and reduced price school lunches. Who to call, where to get the paperwork, if you apply and are denied, you can re-apply any time your income changes. This is front page news?! We have a group at church that makes hats and scarves, and they go to the local mental health support group. 8 or so years ago, when we first started, we offered the school social worker, who is also a member of our church, first dibs on any she might want for the school. She said at that time, she really didn't need anything, she had other sources that more than covered the few requests she had. Now I hear that she has called US wanting to know if the offer is still open! Well of course it is! Would any of us want to see a child go without a hat in a Michigan winter? I am thinking that a bare-bones lifestyle may soon be considered the "normal" way to live. It doesn't hurt my feelings any, we have been doing it all along. But, I do fell a little badly for the thirty-somethings, that grew up hollering "let me eat cake!" (apologies to Marie-Antoinette) They expected that they could "eat cake" forever, and it doesn't look good at this point. They will have to first bake the cake, with a mix they got on sale, and use a coupon, to improve the bottom line. The new normal. Voila'.

Didn't Your Parents Have A Mortgage?

September 18th, 2010 at 05:09 pm

I just skimmed thru a blog posting, written by a blogger making a living by giving out good financial advice, who was doing some self-rationalization on why he is (probably) going to buy a house with no down payment. He made the usual good points about prices going down, interest rates going down, wanting to build equity etc. etc. Followed by 60+ comments warning him of everything from appliance failures to sudden hurricanes, all of which HE, and not a landlord, would now be responsible! True, all true. But my question is this, didn't most of us grow up in a household where our parents were paying a mortgage? Did the fact that they were also responsible for all of the various and sundry, repairs/bills that go along with that escape some of us? I can't imagine how? Our dinner table conversation was liberally peppered with comments about the washer being on the fritz again, and how much did it cost to have it fixed the last time. Patching that bathroom roof one more time, until the money was there to re-roof the whole house. Yikes, the insurance went up again! Didn't we just tweak the policy to get a better price? Helping Uncle Ed fix a couple of windows, and then he was going to help Dad with the porch floor. How has (apparently) an entire generation missed all of this? Now admittedly, the economy is far different than it was 30 or even 20 years ago, but I can't believe that an entire generation has grown up in rental housing, chasing the landlord (or ducking, as the case may be) blithely ignorant of the realities of owning something! If you own a car, you are responsible for repairs, maintainence etc. Why would you not realize that a house is the same principle? I grew up in farming country, I remember the comments about people who moved on because they just "couldn't make it" on the farm. Families lost their homes then, just like now. Now, I will admit (loudly) that being able to find a job and regroup WAS a lot easier in past days, but no one, at any time is guaranteed a perfect life. Sorry, I digress. (often) I just can't imagine how they missed all that!

The New Math Haircut

September 16th, 2010 at 04:18 pm

Just a quick cutie. I went to the beauty shop to have my hair trimmed last week. I told the girl to take off "oh about an inch". Nod, nod. We were chatting, the hair was falling, and when it was all over, WOW, that was a lot of hair on the floor. Looked to me like way more than an inch. So, I went home, and Hubby looks at me and says "I thought you were only going to get a trim?" I told him I had only requested an inch or so off all around, he looked at me for a minute and says "It must be the new math." OMG! He's not always the quickest on the uptake, but sometimes he really spouts a zinger! I tease him about his work because he's always complaining about pipes cut wrong, ordering the wrong parts etc. (he works factory maintainence) Anybody in the later 40's or so, might remember back in the late 60's early 70's, some learned educator came out with "the new math". It was supposed to be an easier way to teach kids the math basics, they even had classes for the parents, so they could learn how to help their kids with homework. Well, it didn't take very many years, and it fell by the wayside, pretty much, math is math. So anytime that a lack of math skills becomes obvious, we blame the new math! All I can say is it's a good thing that hair grows everyday!

The Phantom Budget

September 16th, 2010 at 04:04 pm

Spend or save? a hot topic in the financial world today. Which is better for the economy? I don't know, but if President Obama happened to email me some day (yeah) I could tell him a few things. A short, first hand lesson in modern economics. I was the President of the county 4-H council for several years, and part of that job was helping to set the annual budget for programs. I admit that when I first stared looking at some past budgets, I thought we must be doing something very wrong, we weren't taking in anywhere near the amount of money , as shown in those previous years. Then I learned the secret to modern funding: you didn't actually have to HAVE the money, you just write it down to make the bottom line look better! OMG! I couldn't believe it. The county agent wanted the program to look much more prosperous than it actually was, or the state might cut the funding that we DID get, thinking we really didn't need it! We allocated funding that didn't exist, for workshops and other things that no one ever used/requested, and just hoped that requests for those funds never came, or we would have had to cover them from other categories. My first lesson in government finances. This had apparently been going on for years. It might still be, but I doubt it. The state is now so broke, that I'm sure they have audited every possible source of income, because in theory, they could have reclaimed some of that money if they wanted to. It should be no surprise that the average Joe/Jane is spending money they don't have, they learned it at Uncle Sam's knee! I don't think you can spend your way out of a crisis, and if you don't learn how to save, everything will be a crisis. I don't feel like the government is interested in a real spending plan, and I don't think that they have any more idea than I do, how to get out of the mess we are in. But the phantom budgeting isn't helping.

Just an Observation

September 14th, 2010 at 06:40 am

Something I noticed.....I started cooking only with olive oil, after dabbling with it for years. When I had a house full of people, it was too expensive to use all of the time. But now that there are only two or three of us..... Anyway, I noticed that when I pan fry with olive oil, the pots and pans wash up like a dream! No overnight soaking to get the stuck-on-like-cement bits off the bottom! I suppose that there is some scientific explanation about the different fats and chemical reactions etc. etc., but I don't really care, I just know that it makes my dishwashing a whole lot quicker and easier, I'm up for that!