In The Trenches - Budgeting for Financial Survival and Recovery

Who Wants to be a Millionaire?

2012-02-12T22:00:00.000-08:00

Our nation is obsessed with the word Millionaire. Almost every one chases the promise and enough catch it that in droves we watch, listen, and follow after those who might show us the way. The lotto is the most obvious of the quest where for supposedly $1 a life can be instantly changed. For those who shun this approach as unreasonable odds there are countless books, speakers, and methods that promise if you just listen and do than YOU TOO CAN BECOME A MILLIONAIRE!

What if, when we became adults someone told us that they were handing over 1 million dollars to us. How would that change our life and thinking? What would change about our lifestyle, spending habits, goals, and giving? There is one catch though...it would not be given in a lump sum, it would be given in monthly payments. These payments may be the same amount each month or may experience some up and down fluctuations. But, we could rest assured that we would get our million or even more.

The truth is that for most of us it will or already has happened! Does this surprise you?

1 million divided by 40 years equals $25,000. Federal guidelines tell us that is just slightly over poverty level. We know that most people will make over that in their earning careers.

Let me state it again just to make the point: If you make an average of over $25,000 in your lifetime career you will have made more than $1 million dollars before you retire. Shocking isn't it?

So what is the problem then? It has got to be not just what we make but how we spend. We have missed or something has led us to miss something very basic that elementary math should teach us. Before we just to the conclusion that A) Carol is crazy, or, B) That can't be right, let's step back and try to figure out what is really going on here.

I admit, this is something I am just learning myself and didn't even begin to consider until I was well into the process of making my major life decisions. Once these major steps have been taken one cannot easily wipe the slate clean and start over. There are responsibilities to fulfill and mouths to feed so any adjustments must take these into consideration.

For most people the three biggest expenses are:
1. A roof over their heads.
2. Transportation.
3. Food.

Some would have to add medical problems to the list and this is the wild card of our time and I don't plan to deal with that one today except to say that back in the 70's many of us had excellent medical care at very affordable prices so what we are experiencing now is based on policy and business practices and not on necessity.

So lets imagine for a minute that we were 18 years old and were handed a lump sum check of 1 million dollars and we knew that it was our basis to last a lifetime. What would we do?

1. Put a down payment on a nice house.

Screech!!!! Now mentally make any sounds that come to mind of putting the brakes on as fast as you can. That is one of the biggest bear traps we get our foot into and why so many end up in more debt when they have money that when they don't. It's the leverage game.

Let's start over...

1. In today's housing market there are many nice houses all over the country that can be purchased for under $150,000. We are not talking fixers here except maybe some cosmetic stuff. These homes are 3 and 4 bedrooms, 1 - 2 1/2 bath, garage, and nice yard. That would be our first purchase. If we were country minded we could head for the hills and get some acreage as well for the same price. That would leave us with $850,000.

Oops, no, even in my dreams Uncle Sam shows up to collect. So, we divert here and pay our taxes. This is a total guess but let's say 33% off the top or $330,000.

And, for the tithers or those who are committed to other charitable contributions that is another $100,000. Some may choose to help pay off their parents mortgage or assist with medical bills. And, yes, this would have been the first step. For those opposed to tithing or other giving please note that the amount is FAR less than what the government requires.

So, our new working total is: $420,000. It truly is shocking how fast money can go...

2. Next, I would buy a good 3 year old used car with good gas mileage. Why not new? When the car is driven off the lot it immediately looses value. Additionally, the insurance on a new car is much higher. Let someone else cover that. How much should we spend? The most I have ever spent on a car is $5,000 but for our imaginary car let's go bigger and say $10,000 to $15,000. Is that sufficient? Since I'm riding the bus right now I'm not sure. What about for the husband or wife? Ahh...we are 18 so most would not have that expense.

So here we are 18 with a house and a car and at least $400,000 to last the remainder of our lives as a basis. How much should we allow for monthly expenses of food, utilities, toys, etc? Yes, it is at this point that many will blow the rest and then spend the remainder of their lives saying that 1 million dollars is just not enough to live off and we need government programs to help out.

This is really where our creativity and temptations come in. Do we put it in the bank, invest in the stock market, start a business, or what? So many quality sales pitches and even government incentives to guide us to the path others want us to make to line their own pockets. Maybe we should go to college to gain more skills. Maybe we should dedicate our life to worthy causes and just take a small amount each month. The answers will vary as much as the person answering but I encourage you to dream your dreams and write them down.

"But Carol, this is all so silly" you might think. "I have a mortgage, 3 kids, and am 40 years old". Well stick with me here if for no other reason but because it's a new idea and it is often the crazy ones that give us our own brilliant ones. And, it is fun to think about.

Ok. We each have $400,000 that must last us the rest of our life. But we have a roof over our head, no mortgage, and can choose to either go to work or not. The person who surprises me the most sometimes is myself. I have done things that I did not even know were in me until I did them so I cannot say for sure but this is what I would hope I would do given the proposed scenario.

1. Find a job or cause that I love and commit myself to it. This might even be my own business and may require some start up funds but if so I would set a limit on the amount. I am not 18, my kids are grown, I don't really want to go to college full time. If additional funds were earned I would plan to live off those.
2. Buy two investment properties with at least one being in a different part of the country. The reason for the diversity would be because of the possibility of natural, social, or economic crisis. Better not to have all ones eggs in the same basket. At least one would be a residential property. Remember, these would be paid fully in cash so all income would be a recovery of my initial investment and then income and appreciation. The goal then would be an investment return and then cash income. The second piece would be food or timber producing ideally in an area that may have future development.
3. Buy gold or other precious metals. Not while the price is so high but when the price goes lower. The reason for this is not just for investment but because if I was 18 I would want the funds in a form that I would hope would be available in 40 years and some hedge against inflation.

If I were to decide that I wanted to not work or invest the balance it would give $8,000 per year for the next 50 years. This would be $666 per month and I automatically do not like that number so would not choose that option. I would automatically go higher or lower. In addition, all rental income would be going into our pockets along with other returns on investments if we have chosen wisely.

Back to reality. Or at least an idealist version of what reality could be.

Recently I commented to a friend that a person could buy a home in cash by age 25. She gives me no slack and practically scoffed at me and told me to prove it. So I had to get out my calculator and see how close I could get.

My friend has two kids that were close to achieving the home ownership goal at a very young age. First, they worked every summer and banked their money. This started at age 12 in the blueberry fields and babysitting. Later one became a cook, one a waitress - both got tips.

My son’s first job was the family landscaping business, then county landscaping, an ice cream store, then at the bank part time at age 16. When he graduated he went full time at the bank as a personal banker which was 2 -3 levels above his entry level position.

We all know that cars and driving is the on the top 3 list of things teenagers think about – IF it cannot be avoided or delayed buy what you can with cash. An older cheaper car is also less insurance. One of my son’s was able to buy a dandy for $500 from a grandma who had given up driving. When he wanted something new I bought it from him and drove it for years.

The financial goal would be $5,000 - $10,000 saved before getting out of high school. The second key is to get a job at a good company when in high school so you can be ready upon graduation for good advancement. Restaurants and fast food establishments are some of the most willing to hire young people and they provide valuable work experience in cashiering, cooking, and work ethics. Even if it is not a career plan they are stepping stones to goals. Even if they were to stop right here and go no further in our scenario that would give a good downpayment on a home to a young couple who wanted to start out assuming they had each been as responsible with their time and money. A modern day version of a hope chest. For our purposes we'll build the next level.

After graduating from school they continued to live at home worked full time and were able to bank most of their money. They should contribute to food and utilities and participate in household tasks. If $1,000 to $2,000 per month were saved from age 18 to 25 that would be $84,000 up to $164,000. Can you even imagine walking out the door of your parents home with this much cash to get started? Even if they wanted to accelerate the plan and leave at 21 the amount is significant.

When a sizable amount of cash is saved it's time to look for a place and preferably one where sweat equity reduces the price by at least 15% - 25% of comparable value. Yard work, painting, and even tile or linoleum, etc. are things that most can accomplish with some instruction. A structural inspection will reveal any non- fixable or expensive stuff.

Yes, college delays the process but should end up with more skills translating into higher pay.

If one does not want to be this extreme they can modify the idea and have a substantial down payment to keep their payments low. The biggest cost of a house is not the sales price or principle, it is the interest, so the more that can be avoided the better.

I firmly believe that our national habit of boosting kids out of the home at age 18 has done them and their children a grave disservice. Most are unprepared physically, mentally, emotionally, or financially for our sink or swim method of parenting. If they are ready or no longer willing to be a productive member on the family then by all means but as a desired parenting strategy the only thing we are teaching them is to live paycheck to paycheck and try to raise a family with never enough. Even those who seem to be succeeding are often so far in debt that the cycle is almost impossible to break.

National Implications

Think for a minute about how the entire fabric of our national economy would change if we all actually owned our own homes instead of having a monthly mortgage payment or housing expense.

Would mothers of babies still have to work or could they raise their own children?

Would father's feel the pressure of unending bills and need to numb it with football games where someone actually wins at the end of the game?

Or, could they actually just enjoy it and feel good about their lives, accomplishments, and happy families. Would men be so quick to jump ship when they knew a baby was on the way or would they be able to have the confidence that they could handle it without women bickering in their ears about "mo money" with babies crying in the background?

Most of us missed the boat of being able to pay for our homes in cash up front like the above scenario but we can help our kids to do things differently. We can also start were we are right now and set some goals and take some actions to get ourselves out of this mess that we have allowed ourselves to get into.

For the record, this is not what I did. I left home with no money, got married, got a job, had a child, and did the whole common credit as you go always wondering why it was taking so long to quit living pay check to pay check. If I had not worked at a bank or taken accounting I might still not know what a balance sheet even was.

Conclusion

I hope that you won't dismiss this as just another blog post for I know that what I am sharing is dynamite. If we could really GET IT, myself included, it would explode the economic crisis to it's core and we could rebuild our nation with the strength and integrity that those who have gone before us worked so hard to achieve. So please, think about it, talk about it, pray about it, and pass it on. One family at a time. That is how we must change and recover.

I am a firm believer that the 30 year fixed mortgage is a good and wonderful thing to help the American people keep a roof over the heads of their families. It is the product that hopefully will provide a low enough payment to give stability for the ups and downs we all go through. BUT, that should be our safety net not our goal. If we start wherever we are at and begin to despise the fact that we are in debt and do those things to minimize, get rid of, or pay it off we will be money ahead.

Young love and starting from scratch can be a beautiful thing as a couple builds their life together. I was married at 17 and don't know that my hopes and feelings have been as pure and powerful since. But as parents it is our job to prepare our children to be ready for all that is coming their way and that includes the need to have a roof over one's head and food on the table and of course to share love with another whether it comes at 17, 27, or a lifetime of singleness.

Maybe we need to be reminded that we are MILLIONAIRES. Now how are we going to manage these vast resources we have to produce a gain and not bury them in a hole to rot or waste them in uninformed or shortsighted thinking.

Valentines Day Roundup

2012-02-10T22:00:00.000-08:00

Are you a Hallmark person? Although I am definately not to the disappointment of some who know me I admit that I enjoy the bright colors and cheerfulness of those who are. I especially want to share this first link. The ideas do not have to be limited to one day but can be of value 365 days a year. It is always good to show affection to those we love whether the times are good or bad.

My favorite memory of Valentines Day has nothing to do with romance or men. It was my third grade class when we made our construction paper heart to receive the Valentines from our classmates. It was the rule: you either bring for Everybody or Nobody. Of course, when we bought the assortment box we gave the cutest cards to our friends. It was fun to walk around the room and put a little envelope into everybody's heart.

The message of our teacher was clear and well received: It's okay and good to learn to be kind to everyone. That was the most valuable lesson of the holiday.

100 Ways To Show Your Love For Free from Personal Finance Advice

At the Heart of Valentines Day from The Frugal Dad. This post has the statistics of the $15.7 Billion holiday and a history of how it all began.

Looking at the Pricetag

2012-02-08T22:00:00.000-08:00

In my last post I mentioned projecting out our finances on a five year basis. A reader asked how we could do this without knowing the variables. Yes, it is entirely true that there are many changes that can and do happen in a five year period that we cannot anticipate. This makes it even more important to look at the true price tag before committing ourselves to ongoing expenses.

Businesses over the years have developed a method of increasing sales commonly known as "the monthly payment plan". This enhances their sales and the consumer is also benefited because they do not have to come up with a large sum of money at one time. This allows us to "work it into our budget" and be able to have the product or service without feeling the pinch.

One of the goals of In The Trenches is not only to get one through the tough times but ultimately to lay a firmer foundation to withstand any of the ups and downs of the future without the crisis we have experienced in the past. No plan can ever anticipate all possibilities or assaults, ask anyone who has gone through a major health issue or a natural disaster. However, we can be more prepared for the normal fluxuations and possibly even a temporary job loss if we realize that there will be changes. Farmers recognized and lived under this lifestyle principle because the majority of the harvest came in only once a year. Even now when we have gone away from the agricultural living many jobs are seasonal and the workers need to plan on a few months of income followed by months of lack. Consider the ski resorts, vacation industries, construction business, and even retailers who survive all year waiting for "black Friday".

When we look at our anticipated income and expenses first on an annual basis and then on a projected five year basis the picture is enlarged and we begin to be able to see the forest through the trees. I first discovered this when the Social Security office sent me a form that had all my years salaries listed. I quickly added up all the income I had made and was surprised, no, shocked. So I quickly did a balance sheet of assets and liabilities to see how much I had held on to. Fortunately the excercise ended up making me feel okay about things, in fact, I was pleased that I had been able to do things in such a way that a large percent of what I had earned was reflected in durable assets. If you are scratching your head and don't know what I'm talking about the free worksheet button will give you a copy of a blank balance sheet. They are really very simple and don't have to be exact. Example: You owe $2,000 on your car, it is now worth $6,000. Your net worth on that vehicle is now $4,000.

Back to the monthly payments. I'm going to keep this simple not because I don't think you will get it, I'm sure you will. It is simple so I can best figure out how to state my point. I have to use a calculator for the simplest of math. I used to be able to run a 10 key far faster than I can think. Four examples spread over 5 years:

$25 x 60 months= $1,500
$50 x 60 months= $3,000
$100x60 months= $6,000
$2,500 x 60 months= $150,000

Now we can play with these for some ideas. First, let's say your current take home salary is $2,500 per month. That's $30,000 per year. Not a big household salary but one that many are living on. Given that you are not expecting many changes the total would be the amount of your take home pay. Now by taking all your expenses you can see if you will be ahead, break even, or farther behind at the end of five years. The outcome can help you decide if you need to make some changes now.

The $100 number is close to the monthly payments I have heard some are paying for cell phones, internet service, or superduper cable. They feel they can afford it or have been caught in a three year agreement and cannot cancel without still being liable for the payment. It's certainly the choice of the individual but at the end of five years do you really want to say that $6,000 was spent and there was nothing to show for it? I like a little t.v. also but am more than satisfied with the minimal program.

What about the minimum credit card payments where only the interest is paid and at the end of five years almost the same balance remains.

How about those morning coffees. Only $1,500. (Yes, we know from my previous posts that this is one of my own weaknesses)

Yes, it sure does take the fun out of almost everything. But, that is only the first step. Now having taken a step back to look at things adjustments can be made, or not, depending on your priorities.

Once this becomes a habit of thinking each income or expense can be evaluated based on it's long term results rather than the short term monthly payment amount. Taking that same $25 which at one time did not seem like so much can also result in a tidy little savings account as the time passes.

Just as a little tree can grow into a mighty fir so our small choices also grow into large ones if we do them often enough. For more on the subject please read the chapter titled Critical Choices on page 32 of the free version of In The Trenches on the right.

Goodbye, Middle Class

2012-02-06T06:06:00.001-08:00

If one scans the headlines certain things of interest tend to jump out. For some it is football scores, some diet tips, and for me it is personal finance stories. The headline above caught my eye so I wanted to know more.

Goodbye, Middle Class

Next, I scanned the topical bold headings:

Previous pay: $110,000
Current pay: None
Where they live: Staying as guests in a friend's home

From six figures to the poverty line
Previous pay: $130,000
Current pay: $15,000
Where they live: Their foreclosed home, awaiting eviction

Previous pay: $40,000 to $50,000
Current pay: $12/hour
Where they live: Family shelter

These are the kinds of situations that I wrote the book for. I went through this myself in a big way. I totally sympathize with the struggle and frustration that these families are now going through.

But, do you see what I see? Have you learned yet what I have learned? At the risk of sounding harsh and offending some I will venture to make some comments after reading the story and watching the video at the bottom.

"We thought this could never happen to us."

And, that in a nutshell is where the source of most of our problem lies as individuals and as a nation as we go through these times.

Why not?

As I look at these salaries I can honestly say that I have never made even close to that much a year in my life. And, to make this much money and then be broke and homeless there was much more going on then just a job loss.

It may be easy for me to see these things now because it is after the events. There is an old saying "If I knew then what I know now things would be much different" Of course they would. Hindsight can give much good advise and instruction. So speaking from that perspective let's look at some of the things we can easily spot and questions we could ask. Our purpose is not to judge or find fault but to lay the cards on the table so when things get better we don't repeat the same mistakes.

OK. I'm doing the tough one first just to get it out of the way. Here we go...

1. Were their homes paid off? We will assume the answer is no since the article states it and they are currently homeless, living with friends, or waiting for the sheriff to kick them out.

If they were making $130,000 a year what was your outstanding mortgage balance? Was the house more than they could afford? Just because we have a 30 year mortgage does not mean that we should take 30 years to pay off the home. The longer we drag it out the more interest we pay. Almost 5 times the purchase price if we go the entire length of the contract.

This is definitely the biggest financial hurtle most of us face for obvious reasons. I was ALMOST out of the woods on this one and then got sucked back in and have to fight that battle again. My friend Paul, mentioned in the book, recounted the ONE time he had been in debt in his entire life. He had family property and built a home on it. He was able to pay for the home except for $7,000. He told me that he could not stand having this debt and having his home be at risk. He worked as much overtime as possible until the last payment was made. Every available dollar went on the payment and he breathed a huge sigh of relief when it was done. I'm sure my eyes were big and my mouth open while he told the story. $7,000 total debt in his 70+ year life?! And, he couldn't sleep at night? Somewhere along the way we have lost perspective and think there is such a thing as "good debt". Oh, maybe it's because the lenders tell us so. Of course it is good for them, they make massive interest and hold the title to our homes. Or, it's an appreciating asset.   Sounds good, but it will appreciate just as fast or even faster when it has no mortgage lien.

Most of us cannot look at our mortgage and snap our fingers or put it on our annual goal list and get it done. But, can we think like Paul and do more than what we are doing now?

2.  How much reserve fund were in place? They mention six months to 2 years of unemployment so even if they had one it might not have been sufficient but helpful for as long as it lasted. Did they have a food storage program for six months to a year? I would think at that income it should be totally doable.

3. When they became unemployed did they adopt an In The Trenches battle plan?  Did they go to the fox holes and cut back all unnecessary expenses within the first 90 days or did they just try and act like everything was normal and hope for the best?

4. Investments. The video mentioned 401K investments. Although these can be helpful and worthwhile when the employer contributes matching funds we do need to be careful because some of the money goes into the stock market with no guarantee of a return. I'm sure that many of you are more knowledgeable than I on these for I have not often had them available so don't keep up on them. Just because the banks sell them and the government promotes them does not mean they are the best things for us. We always have to remember who the funders are behind he politicians. Were the investments something that they could cash in if needed or provide additional income during the lean times?

5. How much other debt was there?  Were cars, furniture, and who knows what also on credit? These are like lead weights on the legs of a swimmer. When you are in a boat they may not be noticeable but jump or get thrown out and they will quickly drag you under.

6. What did the balance sheet look like? Another way of asking some of the questions above and a summary of the results.

7. How is middle class defined? Is it the amount of money one makes? The net result of their balance sheet? Or, income to debt ratio? I know many who live very well on small amounts because they know how to manage well.

In my opinion, $130,000 is a BIG annual income. Yes, that speaks much about my perspective but basic math says that in less than 10 years over 1 million dollars will be made. If you had a million dollars how would you manage it? Just because it is given in annual or monthly increments does not make it any less. Would you spend it every month and more? If you make half of that you could still say that in 10 years time you would bring home 1/2 a million. Not too shabby. We all think we want to win the lotto and many already have just don't recognize it until it's gone.

One of the things we were required to do when I was in banking in addition to making an annual budget was to project that budget out for 5 years. But, wait a minute you may think, this is my personal finances, not a business. True enough. So at the end of five years you don't care if you break even, loose money, or make a profit? At the end of five years it's okay that you are worse off or the same? I think not. So with that in mind why not project your current plan out for the additional time frame. It may surprise you or give valuable information as to how you could do better.

Above all we need to recognize that life DOES have it's ups and downs. When we are up what would we do differently if we acknowledged there could be a down. As they say "Hope for the best but plan for the worst". As all farmers know, harvest time is the time to store up for winter. Nature itself teaches us the basic things we need to know to do well and prosper if we would just listen.

The point of my comments is not to single these families out - that has already been done with the article.  It is not to fault find after the events - that has no purpose. My comments are intended to focus on what we can do to rebuild our future in a better way. I once heard that when a skyscraper is built the builders must drill the supporting beams into the ground almost to the depth of the height of the building we see above ground. This is to prevent the building from toppling over with the weight when an earthquake or other events come to pass. Not all situations can be prevented that is for sure. But, we can and should learn from all. I'm still working my own plan and have a ways to go. Hope you are too.

Car Roundup

2012-02-03T22:32:00.000-08:00

As most of you are aware I have now gone almost 2 1/2 years without a car! I have read so many good books and met so many interesting people on the bus.
The topic of cars seems to be in the headlines of the top financial blogs so it seemed like a good time to do a round up:

My most informative award to an article goes to:

What is the True Cost of Purchasing a Vehicle? provided by Christian PF

Getting the best deal on gas:

Buy the Cheap Gas from The Simple Dollar

And,
How to Save on your Car in the New American Economy from Darwin's Money

And, the drum roll here for:

Day 7: Going Car Free from Jacob at Early Retirement Extreme for as you all know I cannot go for very long without putting in a plug for ERE whose book sales are doing wonderfully.

Whether you choose to own a car, take the bus, saddle a horse, ride a bike, or walk just remember that there are always CHOICES. It is the choices that we make that will ultimately determine where we are going and how fast we are able to get there.

That's me in my dream car. Just because I live frugally does not mean I have to dream frugally.

Job opening

2012-01-31T22:00:00.000-08:00

So you're unemployed. What would you think if you read these company benefits? Would it interest you? Is it better than you have now?

"Crew Benefits

You don’t have to achieve upper-level management status to reap the rewards. ... you’ll enjoy a competitive wage, a schedule that fits your needs, a team that’s there to support you in every way, and a workplace that’s close to wherever you need to be. It’s a great way to earn extra income for anyone, from students to moms and dads.

Competitive wages
Free uniforms*
Free or discounted meals
Flexible hours
Medical insurance*
Prescription drug coverage*
24-hour nurse line access
Vision discount*
Available dental*

Additional Benefits

Short-term disability*
Term life insurance*
401(k)*
Paid holidays*
Vacation*
Educational assistance*

*Subject to availability and certain eligibility requirements and restrictions."

Sound good? What are you waiting for if you are now unemployed?

This is the company I worked for and it was during this time I gained a greater appreciation and respect than I expected. In fact, at the time I just stopped in after a long day of job searching and put in an application. They interviewed me on the spot. They worked around all my scheduling requirments because at the time I needed a position where I could drop off and pick up my son from school.

This was my first job in the field and within a year considered the possibility of entering management. The salary range was much higher than I would have guessed or expected.

Although my career goals have gone in a different direction I can still vouch for this company for anyone from ages 17 to 70 who is seeking full or part-time employment. Whether you need something long term, while you are in transition, or a second job to supplement your income, it is a company that later you can be proud to say you have worked for.

Who is it? If you have read my stuff you have probably guessed. :) If not, then click on the link as I wanted to add a little mystery to the post just for fun.

Mystery Job Opportunity

This concludes the series. At least for now :)

Grandma's house

2012-01-29T22:00:00.000-08:00

Last week I mentioned our annual pilgrimage to my Grandma's house. My grandpa lived there too so I don't know why it always carried the name of my grandmother. Maybe it was because she was the one who kept up the regular correspondence with letters and cards.

The house was a two story white structure that sat at the end of a long dirt driveway. Even walking to get to the mailbox was farther than many walk in a single day so grandpa often took the car to get the mail. In the summers, when we arrived, on the right was the alfalfa field. Farther was the river that ran between the upper and lower pastures. The back drop of the house was a large hill. On the top the wheat fields were planted. The ranch was 160 acres.

One of the quickest ways to annoy my grandma was to call it a farm. She would quickly correct me and tell me in an authoritative voice that it was a ranch, not a farm. At some point I knew that this had something to do with the long standing battles between the farmers and the ranchers. The sod busters vs. the cattlemen. Rifleman was one of my favorite shows as a child so I knew the distinction was important though did not really understand why.

My grandpa's primary stock were the sheep. Their good friends the Lathrops raised cattle, horses, and pigs but grandpa mainly had the sheep. Often there would be a milk cow, chickens, and a couple of pigs. I would wake very early each morning to go "help" my grandpa feed and water the sheep. He was a very quiet man who spoke little but as long as I was ready and didn't bother him I could tag along with him and the dog Midge. He would drive his old car up the dusty hills and the sheep would be waiting in the big shed. We would put the grain in the troughs. If I was very quiet and moved slowly I could go up and down the lines and feed the sheep with my hands. Grandpa let me know that this was a very good and important thing because sheep would not trust just anybody. To gain the trust of a sheep meant you were a very good person.

After the morning chores were done we would head back to the house for breakfast which was specially fixed because of us being there. We had big pieces of good smelling bacon from the pigs, farm fresh eggs, peaches from the cellar, and sometimes biscuits and gravy. Mom said my grandma was not a good cook but as far as I could tell she was one of the best cooks in the world with the best food I had ever eaten.

Then grandpa would head out and do whatever he did until dinner and evening feedings and I would get to feed the baby bummer lambs. Every year there were a few that were kept in the back yard that had lost their mommas or sometimes the ewe had triplets so one would get brought home so there would be milk enough for all. The bottles were the traditional coke glass ones with a nipple stuck on. The bummers would come right up to gulp it down and if they could not get enough fast enough they would butt their little heads to make it come quicker. I loved this job.

Since I was a little Sunday School girl I knew it was all so important. Throughout the Bible it talked so often about shepherds, sheep, and pastures. For two weeks I got to live it and somehow it made me feel much closer to Jesus as I learned the names of the sheep and tracked the lost ones along the little trails on the hillside trying to find the holes in the barbed wire fences or scouting out a lost sheep.

There were also some really fun things about Grandma's house that were nothing like our rambler of the neighborhood suburbs. Just to name a few:

The wood cookstove. While we were visiting Grandma spent much of her time in front of the wood cook stove in the kitchen. It was quite an amazing thing. On one side it had a place where the wood was put and the fire was kept. I was told this was a deluxe stove because it had a reservoir on the side. This provided the added benefit of always having almost 4 gallons of hot water available at all times. On top were the warming bins.

The water pump. This was one of my special jobs. I would wait around the kitchen and when grandma needed water I was called upon. Such an amazing thing because I didn't just turn a faucet, I got to pump the pump and eventually the water would spurt out. It was so cool!

The wringer washer. Laundry day was really a big deal. The washer was filled with buckets of water from both the sink and from the pots on the stove. When the clothes were done agitating through the wringer they would go, then back into the washer for the rinse cycle, and then through the wringer again. I wanted to help but mom would always tell me stories about how kids would get their fingers or arms caught so this was one job that I was expected to just stand back. When the load was all done they were taken out to the back clothes line for hanging but we had to be careful that the bummer lambs could not reach them and pull them down. When the clothing came down it was so stiff especially on the cooler days but it smelled so good!

Bath day. Saturday night of course. Next to the washer was the biggest bath tub I have ever seen and grandma said they were lucky to have gotten it. All the water would be heated on the stove. I remember mom and grandma discussing who was the dirtiest. This was important because that was the order we would bathe in as we would all use the same water. Usually it would be mom first, then my brother, and I think I was last because I was always out with the sheep, walking the trails, and in the gardens. Grandma would take what she called sponge baths and it was said that grandpa would take a bath once every six months whether he needed it or not.

The outhouse.   A ways out the back door was the outhouse. Again the deluxe model because it was a two seater though I could never figure out why one would need two seats in a bathroom. I know that I wanted to be alone. Another thing that I did not understand is why it was in different places throughout the years. I could not help myself and at least once in every visit I had to look down. I didn't like what I saw so tried not to look down again. I admit sometimes it almost seemed compelling but I was always sorry and would chastise myself for doing so. Grandma said it was not really a good idea to walk out at night even with the porch light so she gave us a coffee can for our rooms if we could not wait until morning.

I found it all to be such strange and interesting things.  There was more but I wanted to just touch on some of the highlights. They were some of the best memories in my life.

The years: 1963 - 1969. Or so.

Years later when I went through my own temporary months without running water or heat I was so grateful for the experiences at my grandparents house to draw upon. As a mother of three children it was not quite as fun as I remembered it.  Without these experiences on my childhood vacations I would have been completely dumbfounded about how to get through it.  Living in my own 100 year old home was different than visiting. More about that in the In The Trenches book if you are interested.

What is poor?
Since that time I have often asked and pondered the question: what is poor? Were my grandparents poor? I never thought so. There was always food on the table, a fire in the woodstove, and land beyond what my eyes could see. Yes, surely they worked harder to have those things. Yes, surely there were so many others that had more, especially more convenience. Is wealth measured in convenience?

The family had told me stories of when the three girls were growing up. They were poor and it was during the first depression. One time I noticed the big ugly scar on each side of my mom's leg. She told me that when she was a girl they were jumping in the hay in the barn. A pitchfork had been left in the wrong place by someone. It went in one side and out the other side of her leg. They pulled it out but because they had no money they were unable to go to the doctor so grandma had to doctor the wound herself. That sounded sad and poor.

My mother was often sick as were many. She had scarlet fever, rheumatic fever, and others I don't remember. My aunt told me that at one time she was so sick she almost died. They had no money so my grandpa begged the doctor to treat her anyway. The doctor obliged on the condition that my grandpa put himself into indentured servitude for one year. For you see, the doctor not only provided his services but paid for the hospitalization out of his own pocket. To pay the debt my grandpa had to leave home and grandma had to run the ranch and take care of the girls on her own. When the debt was paid he was able to return home.

Indentured servitude. A strange word and I didn't know what it meant until I did some looking on the internet and found that many new immigrants came to this country from Europe and became indentured servants for up to seven years before they were free to strike out on their own. This was the price of becoming an American and they were willing to pay it.

I must mention here that my mom went on to become one of the world's finest nurses. It was not in spite of her hardship but because of her hardship. There was much sacrifice to put her through nursing school. From her early poverty she gave the world great wealth. I say this not because she was my mom and not because of the awards she won though she did win some. I say this because I saw the looks in the people's faces when they thanked her. Patients at the hospital, neighbors, friends, family all recognized her contribution to their lives. What I saw was only a glimpse of the countless people she impacted and provided care and comfort to.

So what then is poor? I see pictures of people in foreign countries staving and it is no question of their poverty. They have no food and are dying from starvation. If this then is the definition of poor how does that compare to what we as a nation are currently going through?

How much should the government step in to help the American people? Especially when doing so is not from money we actually have but is creating a debt for our children and grand children to pay? And, in addition to that we are borrowing from foreign nations and we all know that the borrower is the servant to the lender. At what point should we allow ourselves to become the servants of foreign governments?

Is not having a cell phone poor? Is not having cable t.v. poor?  Is not having a car poor if our cities spend large sums of money on public transportation? Are we making or contributing to our own condition of being poor by insisting on amenities we cannot afford?

One time I flew to Denver. I was amazed with the vast amount of undeveloped land within our country. The small towns are merely specks in expanses of trees and rolling pastures. So why then are people packed into highrise poverty apartments in Chicago like poor sardines? We have seen the pictures and heard the stories.

I have read a little about the old 40 acres and a mule government programs that provided land grants to people willing to move out and develop the west. What if we developed some programs that really utilized the resources we do have without borrowing from other nations? Would we be willing to work as hard and sacrifice as much as our grandparents did?

Habitat for Humanity has done amazing things by encouraging people to work together and although much has been spoken about Jimmy Carter's presidency the good of his founding of this wonderful program far exceeds any shortcomings he may have had as a president.

Why? Why? Why? Is it possible that sometimes it is necessary to take a step back before we are able to take a step forward, especially if we are going in the wrong direction? I have come to the conclusion that many of the answers to the why questions come because we are allowing career politicians and not folks with vision, common sense, and compassion to direct the course of our future of America.

US Debt Clock

2012-01-24T22:00:00.000-08:00

One of our readers shared this and I'm happy to pass it on:

US Debt Clock

It's almost like trying to count train cars as they pass by. If you watch too long it makes your eyes go wacky and your stomach lurch.

Be sure and check out the link at the bottom for your state and the home foreclosures in the bottom corner. There are also a number of interesting tabs at the bottom.

I'm still trying to find total number of home foreclosures for each of the last 5 years but after hours of searching I still have not found it. A couple years ago when in was in the news daily the count was up to 12 million. If anyone has a source for finding it please let me know.

Road trip

2012-01-22T22:00:00.000-08:00

Every year for summer vacation we drove from Seattle to Northeastern Oregon to visit my grandparents. There were three steps to the journey:

1. The planning
2. The road trip
3. The destination

The planning stage was always fun. The anticipation, the memories, the packing, all brought up the excitement of the journey.

The destination was the best. I got to bottle feed the baby bum lambs, collect the chicken eggs, ride horses, visit with my friend, wade in the creek, and pick lettuce for dinner from the garden out back. It was certainly a different world and my grandparents loved me.

The road trip though...that was not fun for me. Mile after mile after mile of sand, tumbleweeds, and holding it in until the next stop. Then there were the winding curvy roads up in the mountains which I could tell made Mom nervous. With only a guardrail between us and a chasm to what seemed like an eternal drop off to certain death. Yes, the trees were beautiful but photographs were preferable to actual experience.

My brother and I would take turns riding in the front seat and it was the only time we were allowed to stick our head and hands out the window. Sometimes it was so hot and this was before air conditioning was in the cars. We did everything we could think of to pass the time. We would do the air honk to get the truckers to honk at us, color, try to find license plates from every state, find the letters on the road signs, and of course, sing 99 bottles of beer on the wall. It couldn't be helped.

Though there were some fun moments overall I hated these trips. It was utter BOREDOM in capital letters. The feeling of being confined and the desolate scenery was not my idea of fun. But finally we would get where we were going all sore and stiff and life was good again as the grandparents came out to greet us.

This is how it can be as we take that journey to improve our finances. It seems to go on FOREVER. Disciple and learning to say "no", and dangerous curves that if we make a mistake the arrival at our destination will take longer if we make it at all.

Man, it sure did not take as long to rack up that credit card debt as it is to pay it off! I WANT to go out to a restaurant! I hate this! All this stuff runs through the mind some days and month after month it drags on. The extent of the redo is often the distance and length of time the journey will take. Will it ever get better?

Isn't there a plane that will take us to our destination? There is nothing that makes me whine faster or louder than sustained self-discipline.

So you are waiting for the good news? No, I don't like road trips either. Just wanted to remind you don't fight with others in the car, don't drink too much because it's a long way until the next stop, and remember that someday this will all be a memory. The important part is arriving at the destination safely. Then the fun can begin.

Happy Monday to all!

Sixteen Tons

2012-01-18T22:00:00.000-08:00

A friend posted this on her facebook:

The challenge:
1) Find out the song that was #1 the week you were born.
2) Find that song on YouTube.
3) Post that video on your wall without shame.
Yeah, 'nuff said.....

I gave into the curiousity and found the song. What cracked me up was how the song and my blog seem to go together. So listen to the song and tell me what you think. Did I as an infant get some sort of subliminal messages going on in my head to influence and inspire me later in life?

Sixteen Tons by Tennessee Ernie Ford

Some people say a man is made outta mud
A poor man's made outta muscle and blood
Muscle and blood and skin and bones
A mind that's a-weak and a back that's strong

You load sixteen tons, what do you get
Another day older and deeper in debt
Saint Peter don't you call me 'cause I can't go
I owe my soul to the company store

I was born one mornin' when the sun didn't shine
I picked up my shovel and I walked to the mine
I loaded sixteen tons of number nine coal
And the straw boss said "Well, a-bless my soul"

You load sixteen tons, what do you get
Another day older and deeper in debt
Saint Peter don't you call me 'cause I can't go
I owe my soul to the company store

I was born one mornin', it was drizzlin' rain
Fightin' and trouble are my middle name
I was raised in the canebrake by an ol' mama lion
Cain't no-a high-toned woman make me walk the line

You load sixteen tons, what do you get
Another day older and deeper in debt
Saint Peter don't you call me 'cause I can't go
I owe my soul to the company store

If you see me comin', better step aside
A lotta men didn't, a lotta men died
One fist of iron, the other of steel
If the right one don't a-get you
Then the left one will

You load sixteen tons, what do you get
Another day older and deeper in debt
Saint Peter don't you call me 'cause I can't go
I owe my soul to the company store

Now of course this is not a literal expression of my life but I cannot help but wonder...

Okay, your turn. Does the top songs in the month of your birth seem to have anything to do with you?

P.S.

Here's a link to help you find yours. Toward the middle of the page you can choose your year AND it even gives a U.K. option as well

Billboards #1 songs by year

And they listed mine as something different so I'm having a real identity crisis.

Pancakes

2012-01-15T22:00:00.000-08:00

Part II of my McDonalds adventures:

It was one of those moments where I had wished I had a camera to prove the truth of my words. In my new morning routine I stopped again at McDonald's for coffee and a biscuit before work. Usually I grab my tray and keep my head in a book so don't pay much attention to what or who is around me. This particular morning the place was quite busy so instead I decided to take a seat where I could watch everyone coming and going.

After a few moments something dawned on me and I started counting to see if my impression was correct. Yes, out of almost 30 customers there was less than 5 women in the entire place. The ratio was at least 5 to 1 in favor of men. They were in all ages, races, and style of dress from the business suit to the grungy. Many had their laptops open working on their computers or in groups talking to one another. All were enjoying their coffee, pancakes, or big breakfast.

I had inadvertently stumbled upon a MAN CAVE. Of all the things that Micky D's is known for this one caught me by surprise. As I looked around I could not help but wonder if this was quietly going on all across the country. Was this one of the last rituals of men that we women are unaware of? As I said, I wish I had a camera to prove the sight.

So I thought of other MAN CAVES throughout our history felt that I was witnessing something very important and good. Some other man caves came to mind starting from the beginning:

It just seems to me that when men get together a lot can get done - for good or for evil. Pancakes at McDonald's seems a good place to start.

Dress for Success

2012-01-11T22:00:00.000-08:00

First impressions do count and never so much as on a job interview. A potential employer usually has less than an hour to size up a potential candidate and see who would best represent the image and work ethic that they want to represent in their business.

At the point of the interview an employer may have already filtered through hundreds of resumes looking not only for work history but also sentence structure, spelling mistakes, and overall professional presentation. If you have made it through this part the next step is even more critical. If you receiving calls for interviews there are good resources to help put your resume in top notch shape to present your skills to their greatest potential. Some of the temporary agencies will take the time to sit with you one on one to perfect and edit your resume.

Having been selected for an interview in this job market is indeed a worthy accomplishment. The last couple of positions I have been selected for I have later found that not a few applications were received but literally hundreds. If you made it this far good going. Whether you get this job or not use the interview as an opportunity to hone your skills for as they say "practice makes perfect". And, whatever the outcome don't take it too personally as a reflection of you or your skills. You cannot know if one of the other candidates was the friend of the uncle of the owner.

It's not about you. The interview is not about you, it is about them. The company wants to find the best person to do the job and be an active valuable member of their business and team. Though this list is not intended to be exhaustive here are some of the key points to remember:

1. Dress for success. The clothing you choose for the interview should be professional and somewhat neutral. This is not the time to show off your personal style except in small doses unless you are looking for a position in the entertainment field. Years ago John T. Malloy set or at least put in writing the foundational book called Dress for Success. The book had a men's and women's version. Since it first came out there have been updates, revisions, and a number of other similar books written but these books set the bar. Amazon has a number available but as always if you are watching your expenses check your local library.

The main purpose of this post is to introduce an organization started to help those who are looking for employment and do not have the means to purchase the clothing necessary to cinch the job. This non-profit organization is helping get people, especially women, ready for the job market and is located nation wide. Here is the link for the Dress for Success Organization . Whether you need some assistance or have no longer needed items they are a resource in our communities to help get you back on your feet.

2. Posture. This is one of those things that is much more obvious to others than ourselves and one I have to often remind myself of. It's time to stand up straight, put our shoulders back, and walk with purpose. If the shoes you picked don't allow you to do this then choose another pair.

3. Grammar. Another one of those things others quickly pick up on. Is it "yes" or "yeah", "no" or "nah"? While those may be fine at home they are not appropriate in the business context. Slip in a swear word or two unawares and the interview is done.

4. Tattoos. You may love your skull and crossbones but it raises the eyebrows of those in business. "But, I just want to be me" you may think. That's fine but you may remain unemployed. Businesses are looking for someone to represent "them" for the workday. You can be you after hours. Along with tattoos would be exotic hair styles and colors, cleavage, piercings, fingernails that appear that they are more important than typing.

5. Final check. Always make a final check of your appearance before the interview. Years ago one of my best friends almost walked into an interview with her skirt tucked into her pantie hose!

If you have been looking for work and still have not found anything I have found that registering at temporary agencies has been very useful. In addition to testing (which provides scores for adding to your credentials) they have job search helps, resume writing, interview helps, and free online training. Many of the jobs they list are temp to perm. Some even offer reasonably priced health insurance to assist in the transition. Many of these services are also available through the state unemployment offices whether or not benefits are currently being received.
Smart On Money recently had a good post on finding business attire for less that gives more tips for finding that next job or career opportunity.

The competition is tough but be the best you can be and take your best shot. If you don't hit the bulls eye on this one just keep at it until you do.

You might also like:
Work Wardrobe on a Budget
In The Trenches - Wardrobe Planning
The free online version of In The Trenches has a chapter title Get a Job that gives other helpful hints and is on page 86. Click the link on the sidebar.

It's going to be a good day!

2012-01-08T22:00:00.000-08:00

It was an hour before I needed to be at work so I decided to walk to McDonald's to see what would be good for breakfast. I ordered a biscuit with egg and cheese and a coffee. I was more than pleasantly surprised to find that the total was only $2.08. Wow. What a deal!

As I waited for my food others came in line to order and I noticed a couple men who were older than me ordering their food. They ordered a senior coffee with their meal. "That's nice" I thought. A deal for the older folks. McDonald's does it again. Responding to the needs of the average person and keeping their prices affordable.

My tray was ready so I proceeded to a table. They had put the receipt on the tray so I decided to check it out further to see what the prices were for my great deal. I figured the biscuit must have been on the dollar menu and 89 cents for the small coffee.

As I studied the receipt I was surprised that they had abbreviated small coffee as SNR coffee. As I puzzled over it a bolt of realization hit my brain. "WHAT?! They gave me a SENIOR coffee" at 49 cents. "How dare they?" "I didn't order a senior coffee!" "What possibly would make them assume that I was a senior?" (though I guess I am).

This was just totally unacceptable! It must be this practical trench coat I'm wearing. I sat there debating whether I should march right up and DEMAND that I pay FULL price for small coffee. Or, better, was this my invitation to get a leather coat to replace the practical trench. As I munched my biscuit and sipped my HOT :) coffee the quandry really messed with my head but why would I choose to pay more for my coffee?

The next morning I decided to do it again. Again, they gave me a SNR coffee without me asking for it. Oh, this is just NOT good!

Being the glutton for punishment I can be sometimes be I decided to go for day 3. I do love those biscuits!

After getting my food and examining the receipt I found that they had given me and charged me for a SMALL coffee. All was right with me. I was looking GOOD! It was going to be a GOOD DAY.

Military Reunions with Man’s Best Friend

2012-01-07T15:04:00.000-08:00

As the troops are quietly returning home after years in the field and the war in Iraq is over it seems that we can learn a lesson from man's best friend about what a celebration and welcome really means. You'll love this video.

Military Reunions with Mans Best Friend

Although I don't know his name I still say thank you.

It's none of your business

2012-01-04T22:00:00.000-08:00

Have you ever thought of saying that? Did you just think it or follow through? It seems the phrase crosses my mind more often lately when dealing with business transactions.

I used to be very organized. Having worked in the banking industry, for the post office, and other private organizations I know how to file, fax, document, fill out forms, staple, and all the little details of running a business. Those things have been how I made my living and what I am good at.

A couple years ago I went through some major and minor life changes. I moved, my name changed, and I was very sick for months. Along with those changes I decided I wanted to return to a simpler way of living that most would consider beyond frugal and some would call extreme.

I don't have a car, instead I ride the bus. Although I still have a driver's license when it expires I don't know if I will renew it. I don't have a phone but have access to one if I need to get ahold of someone. I pay for most things in cash but have a checking account but no debit card. I don't want to have to write everything down. I use facebook just so that friends all over the country can post a "hi" or "call me". Other than that I just go through my routine and show up where I show up.

Life is simple. Life is cool.

But, the thing that really bugs me is that businesses keep asking all these questions. What's your address? May I see your I.D.? What is your phone number? And, when I tell them I don't know they look at me like I'm crazy and will not proceed until I come up with one.  It is getting very annoying.  Especially having lived in small towns for 20 years. Everyone knew me and recognized my name, voice, face, and car without me having to prove it every time I saw them.

Businesses ask for my phone number, mother's maiden name, or birthday. The question that really raises my hackles is "what is your race?"

Really, I have no desire for a phone call so why would I want to give you my number?
My mom passed away 10 years ago.
Are you sending me a present for my birthday?
What difference does it make? or, Are you blind?

I no longer live my life as if it is a business. I pay my bills and purchase my services but beyond that I don't really consider that I and the businesses I deal with have any personal relationship and therefore why would I want to give all my personal information?

Have you ever filled out an online form and left one of the "required" fields blank?  Most of the time I just eventually give up and quit.  And, passwords:  Minimum 8 characters, three alpha, 1 numeric, and a symbol. How am I supposed to remember that? And, why would I want to?

Recently, one of my co workers had to call a customer service phone number and press 1 for this, 3 for that and after 10 minutes of being rerouted he was literally yelling and cussing at the robot on the phone. It was funny to all that were listening but I've been to that mentally exhausting maze of voice recognition software and could literally feel my blood pressure climbing before finally smashing down the phone. And, when one of those machines has the nerve to call me it is not a pretty sight.

I haven't said it yet but I know it's coming soon...when someone asks "What is your phone number?" or "What is your birthday" I'll just respond "It's none of your business"  They will probably hang up on me but at least I will feel better for a moment.

Simplicity. It seems like everytime I am close to acheiving it someone trys to grab my leg and pull me back in.

Somebody's Watching Me

2012-01-01T18:29:00.000-08:00

Tracking devices. Don't the words instantly remind one of some drama movie or detective show they have seen?

The dictionary defines tracking as:
verb (used with object)

1. to follow or pursue the track, traces, or footprints of. 2.to follow (a track, course, etc.). 3. to make one's way through; traverse. 4. to leave footprints on (often followed by up or on ): to track the floor with muddy shoes.

5. to make a trail of footprints with (dirt, snow, or the like): The dog tracked mud all over the living room rug.

A close cousin of the word is stalking, defined as:

verb (used with object)

1. to pursue (game, a person, etc.) stealthily. 2. to proceed through (an area) in search of prey or quarry: to stalk the woods for game. 3. to proceed or spread through in a steady or sinister manner: i.e. Disease stalked the land.

It is one of those subjects that seem "out there" and not really something that affects our day to day life. But, does it?

Banks track our money - to some degree with checks and instantly and with more detail with a debit card.
Computers track all online correspondence.
Phones track all you calls and can track your body.
Cars also have a tracking device. Onstar makes this available as one of their anti theft features.
Google earth gets satellite photos of your home so close one can see in the living room window and the licence plates on cars. This is one of the creepiest ones of all and I can feel my skin crawl.
Traffic lights have camera that track who travels through and can be used for tickets.
T.V.s have receivers as well as transmitters
Check processing services give quick reports while you wait at the register about your checking history.
Facebook and other social networks help one track who, what, where, and what one does every single day, Medical records tell all about our bodies.
Dental Records can identify our bodies if something were to happen.
Fingerprints are on file not only for criminals but for most public employees.
Security questions can name your first pet, favorite color, fathers middle name.
ID is required for almost everything and usually two pieces one being a credit card to show you have an established banking relationship.
Banks track all cash transactions over 2,000
Home monitoring devices are used as an alternative to jail time. Wonder what the next step of this will be? Maybe the elderly with Alzheimer's. Hmmm....
Credit reporting agencies maintain records of all business supplied input. Try getting something taken off you feel is wrong or unfair and see how far you get.
Almost everyone asks your birthday and expects that you will give it. We have been so conditioned to do so that we hardly flinch.
Stores with membership (like Costco) can track your purchases down to what kind of personal products you use.

We cannot even have access to the information about us without paying a fee or getting court orders and we have little or no control about what is contained therein. More often than not we cannot get it at all. It is way beyond George Orwell's 1984.

There is a direct link between privacy and freedom. People have forgotten.

Many believe that ultimately it will all lead to the mark of the beast where one will not even be able to buy and sell without receiving some sort of mark. Even if one doesn't believe in prophesy one cannot deny the change our personal privacy over the last 30 years and if you don't believe in Bible prophesy who, what, how, or why would you explain it? Ultimate dictatorship? Even at the the beginning of the last century folks were skeptical and opposed to even being issued a social security number viewing it as a suspicious infringement to their personal freedom. What would they think now as technology has moved forward by leaps and bounds?

Some may call it paranoid. No, that's just silly.

No one should ever want to know that much about me AND and I don't trust anyone who would. One cannot look at all that is happening and be so willfully ignorant that they choose to be blind. The most common response is that "well if I'm not doing anything wrong why should it matter?" Ask any person who has been tracked or stalked and they will easily tell you why it matters.

The lyrics to the song performed by Rockwell and Michael Jackson says "I always feel like somebody's watching me"

Freedom is not freedom without freedom.

Free Copy of In The Trenches - 1 year later

2011-12-26T18:14:00.000-08:00

It has been almost one year since the free copy of In The Trenches became available in an on-line version. After it posted I took some time off to adjust to new changes in my own life. To the best I can tell over 5,000 copies of the book have been viewed through readers passing the word along. Exact numbers are not available due to the way I originally set up the links. Far more have looked through the daily and older posts. First, I want to say Thank you! Thanks for sharing and passing the link. Thanks for continuing to refer people to the blog even though I was not actively posting for a while.

Officially the American Economic Crisis is over. Realistically we know that millions are still having a difficult time and things have changed and are continuing to change. For many these changes are leaving them hopeless, confused, and angry. Worse is that many are still looking for someone else to fix or improve things not realizing that improvement can only come as we strengthen the economy family by family.

Many still think of cell phones, internet connections, and cable as basic necessities when they don't have enough for basic housing, clothing, or food. They look to others to fill in the gap instead of recognizing the need to be self reliant and manage within their own budget. This thinking and actions will cost generations to come to pay off the state and national debts incurred. Some help and assistance may be required for a temporary period but the sooner we are off the better. Those who have followed the blog know that it is my belief that to win this battle we must persevere while naming the names of those who masterminded the crisis itself. (See the soapbox and American Economy categories for more on these topics).

Truly there are huge challenges for the country yet to face - rising health care costs, misuse of tax payer funds, outsourcing of jobs, and the decline in manufacturing and food growth in America to name a few. These are the problems that we cannot improve on our own and have every reason to expect our elected officials to address.

Since resuming posting in August 2011 many new visitors have come to the site from throughout the country and the world. I thought it fitting to let everyone know that the free book is available and ask that you would pass it on to those going through hard times and might benefit from adding this to their knowledge base. Click on the right hand side for the screen and the full size worksheets are below.

In my own small circle of life recently I have become aware of still more well dressed, productive families currently going through foreclosure and/or dealing with unemployment. It goes to show that waiting until someone hits the need for public or private assistance is often long after the need was first identified. Please take the opportunity to post this and other information on facebook or other sources. It is said that things look darkest before the dawn but it is also true that they can appear bright and cheery just before the fall.

"Happy New Year!

For many of us 2010 (2011) has been a challenging year! I for one have moved to another state, been unemployed for a time, found new homes for all of my horses, had health problems, and financial challenges. And all the while I kept on blogging. Sometimes with good readership and feedback and others where it seemed so quiet. But I watched the map and saw that my words were reaching all over the United States, Canada, Russia, Europe, Australia, and Asia. So I kept on writing. I watched the news and saw the millions of foreclosures, and 20 million on food stamps, and watched the unemployment rates and cried and kept on writing.

FREE ONLINE COPY
Now I'm going to ask something of you: Included in this blog post is a link to a free online copy of In The Trenches - Financial Survival During Times of Hardship. For months I have thought about how to reach others with this information at no cost and so now I ask you to forward the link to this post to anyone you can think of who might be interested and ask them to forward it on as well. If each person would send it to six people in no time at all it would reach 1 million - that is the goal, but I need your help.

The story behind In The Trenches
The greatest challenge of dealing with financial hardship or poverty is the despair and frustration that comes with it. It is sometimes difficult to share our personal stories especially on-line and after much vacillation I have decided to go for it with the hope that it will assist someone else in their own time of need of encouragement, faith, or comfort.

I remember a number of years ago laying on the hideabed couch that I was using as a bed to be closer to the woodstove. The chimney had gotten so plugged up that very little heat was emanating. The temperature outside was 18 degrees below freezing and what windows that were not broken were covered with ice on the inside. The children had been sent to a relatives and I was in the pit of despair. I cried out to God that if this what was to be my life than let me die. His answer came clearly to my mind as if He was standing directly in front of me; "Praise Me," He said. I answered just as loudly; " I will not praise You". Again He said; "Praise Me". Even more forcefully I said; "I will NOT praise You!" His words were quiet this time. "Do you worship your comfort more than you worship Me?" My heart was cut to the quick, and with sobs coming from my soul I began to sing the song I knew so well; "Praise God from whom all blessings flow, praise Him all creatures here below, praise Him above ye heavenly hosts, Praise Father, Son, and Holy Ghost, Amen"

Rebuilding
From that moment forward things began to change. Big changes and little changes and over the course of the next few years our lives improved. Yes, there was still hardship and penny pinching. And, not only did we learn how to build a fire, plant a garden, and raise a steer but more importantly I learned that we can prosper and improve from wherever we are.

I came to understand that by building my life on consumerism and debt spending I had erected a house of cards that was just waiting for a strong wind to blow it all down. I learned that living life on the installment plan or counting on today's income to go on tomorrow was a recipe for disaster. And, I knew just as certainly that the same fate would come upon the country as a whole at some point in my lifetime.

During this period of rebuilding many of my life long dreams were able to be fulfilled as I had the opportunity to work with flowers, home remodeling, ornamental birds and horses. All the while I was accompanied by my dogs who were my constant companions.

The Goal of In The Trenches
The mission of In The Trenches is to reach out and show people that financial hardship can be the beginning of the most amazing journey a person can fathom. In it we are challenged to learn who we are, what we can do, and to set our sites on where we want to go. We can learn what is important and what is not. The strategy begins with a basic financial assessment and although it seems to be about money it is really about life. Though the process of evaluating our goals, choices, and plans we not only survive but we are finally able to thrive.

It is the goal of In The Trenches to reach 1 million people and assist them through the personal challenge of enduring and adjusting to a time of unemployment, for the single mother struggling on her own, to give ideas to those who are sick and tired of being on welfare, or just want our hard earned dollars to stretch further. The book is not about telling people what to do. The challenge is to encourage one another to rise up from our own despair and financial misconceptions and realize we, have choices, options, and personal power. "

It is our privilege and responsibility to get through this in a way that will better things for our children and grand children. One does not always choose the circumstances in which they might find themselves but we do choose our response.

God Bless and Happy 2012 New Year!!

Homeless Boy Steals The Talent Show

2011-12-24T22:12:00.000-08:00

Some stories must be shared and I stumbled across this one. 11 million have watched this video and there are sure to be more.

Homeless Boy Steals The Talent Show

Any words I might add to this amazing story would merely detract from it's power.

After you watch it once you will want to watch it again and share it with your friends.

There is a facebook link on the bottom or if you copy the actual link once you get to utube the picture will show on facebook.

New Air Jordans Cause Shopping Frenzy Across U.S.

2011-12-23T21:47:00.000-08:00

You won't believe this story released by the A.P.!

New Air Jordans Cause Shopping Frenzy Across U.S.

And, here is another:

Air Jordan Fans destroy property, trample shoppers in search of new shoes

It has all the drama of a cattle stampede: Doors being ripped off, people being trampled, and shots fired!

This is American consumerism at it's finest. The scene is played out in Seattle, WA (my home state) which is known as one of the friendliest, most livable cities in the country. Watch how that all changes over a pair of new Air Jordans.

Don't miss the video shown by Fox News. Maybe your state has caught the fever.

This is what In The Trenches is NOT about though if brawling is your idea of a good time then it might be fun. Instead of going to the mall we could say we are going to the maul. Could be a new sport - physical contact shopping, it would be a cross between shopping and football. Wonder what we could call it?

Merry Christmas Everyone!!!

Iraq War: Last US Troops Return Home

2011-12-20T22:00:00.000-08:00

Welcome home!

In the hussle and bussle of our daily lives it is easy to miss even the biggest and most important events. Our troops are finally home from Iraq! What a joyous reason to celebrate.

Thank you for serving with honor. What a wonderful Christmas gift for us all.

Iraq War: Last US Troops Return Home (SLIDESHOW)

Weekly Address: Honoring Those Who Served in Iraq

Soldiers return to Fort Hood, say they’re glad to be home for holidays and out of Iraq

The Salvation Army - Hear the Bells Ringing?

2011-12-18T19:42:00.000-08:00

It's that time again so I wanted to share this post originally written last year.

We've all seen them and in our bustling shopping schedule it's easy to walk right on by. Sometimes we may throw in some spare change as we pass. This year I got curious to know more about the Salvation Army including it's history and impact. What I found amazed and astounded me and if you have a few minutes I hope you too will take the time to learn a little more about this wonderful organization to whom one of the wives of the McDonald's company thought worthy enough to donate $1.6 billion dollars. I know I will dig a whole lot deeper into my own wallet each time I see a kettle.

The Salvation Army is the Number 1 non-governmental charitable organization in the United States and has locations in 122 countries. They have been feeding the hungry, clothing the poor, on the battle fields, and burying the dead after disasters. In 1906 they were there after the great San Francisco earthquake and more recently have assisted 1.7 million after Hurricane Katrina investing $365 million dollars and countless hours in rebuilding the lives of those affected. The list of where they have been and the help they have given is extensive for more than a century.

Amazon Link

Founded in 1865 in the United Kingdom by William and Catherine Booth as a mission organization to reach out to the alcoholics, drug addicts, and prostitutes. While William preached to those outcasts of society his wife spoke to the wealthy gaining financial support for the work. Surprisingly their work was met with the throwing of rocks, rats, and tar along with assaults on their workers because they were affecting the livelihood of the bars and other individuals who profited off their misery. Read more about the history and current outreach in Wikipedia . In Australia alone the Salvation Army has housed over 30,000 needy children. William's goals were simple: Soup, Soap, Salvation.

His passion and mission has encompassed the world providing food, clothing, and shelter to those in need and rapid response in times of crisis. We have the opportunity to participate in this work simply by taking a moment to pause and donate to the kettles and thrift stores thoughout our communities. The story is exciting and encouraging and never more appropriate than in this season of giving.

Reflections on winter - Emotional Grasshoppers

2011-12-13T22:00:00.000-08:00

One of the wonderful things about life is that each day when we awake we have the opportunity to decide whether we want to do things differently or continue on the same course. The gift of freedom and choice are never to be taken for granted or ignored.

Typically the New Year is a time to reflect on the past and plan for the future. In some ways the date is arbitrary but in another it is a reminder of the fresh start we have been given. The middle of winter has not always been my favorite time of year. The cold days and the short amount of daylight are something that at best I try to tolerate but not embrace.

A friend of mine changed my perspective. When I would moan and complain about yet another winter she was excited and ready. What was the difference? She was a quilter. Her family spent the fall stacking the wood, canning the food, and preparing for the winter. If snow were to come she would be happy to be not leaving the home for weeks at a time. And while she was home she was working on what she loved - quilting.

I, on the other hand, loved to be outside. Digging, mowing, planting, and trimming - this was my idea of a good time. I would practically press my face against the glass waiting for a break in the weather so I could get outside. When the winter was finally over and the flowers started popping up I would be so relieved and feeling thankful that "I would never have to do THAT again" only to be shocked and dismayed when winter would come the following year. It took me many years to realize that this was inevitable and I chose the option of those in the sky and twenty years later flew south.

So what was the difference between my friend and I? It would be easy to point to the obvious but what I learned was that it was the classic story of the Grasshopper and the Ant. The fact was that we were both going to experience winter every year and she had done a better job planning for it. I was not a complete Grasshopper as I also had my wood stacked, food in the pantry, and had prepared for the physical needs of my family. But what I had not planned for was the emotional impact that the winter season would have on me and in not doing so had contributed to my own misery.

I decided to PLAN. I loved to plan. That is what I had done in much of my previous career and I could spend hours with my pen and tablet making lists, prioritizing, making phone calls, brainstorming, and studying. One year I planned my house renovations, another a horse training program, on and on it went. I would make lists of things I could do in the house when I thought I would go nuts. I collected books of interest to be read. When winter came the next year I was ready. My main winter project became making plans for my projects throughout the year. And when winter came I was ready. Amazingly enough I look back many years and can say I actually enjoyed myself. I even made a couple quilt tops.

Many people who are In The Trenches financially approach it the same way that I approached winter. "oh, no" "This is horrible". "It will never end". The fact is that most of us in the course of life will go through financial seasons just as we go through annual seasons. There will be ups, downs, and in betweens. Many are waiting for their financial spring like getting a new job just like I waited for the flowers to bloom. When spring comes the smiles reappear and it is easy to forget that a financial winter will come again. This may be in the form of a decline in income or and increase in expenses.

The most important thing I learned was also the simplest. Life has it's seasons. We can have our favorites all we want but that does not prevent the other seasons from occurring. Acknowledging this and PLANNING for it not only financially but emotionally can make the difference between our joy and misery.

Which of the four seasons are you in today?

The Ant and the Grasshopper

Independents Day Awakening the American Spirit book review

2011-12-11T19:47:00.000-08:00

My recent book choices have been primarily found at the library, book sales, or garage sales. I bring home a bag of interesting titles and read them when the mood strikes. Independents Day - Awakening the American Spirit by Lou Dobbs was one such book. Amazon currently has the book on sale for the bargain price of $1.30.

The only way I can think to describe it is that I finally saw the elephant.

I am probably one of the few people who tries to stay abreast of developments in the United States but had never heard of Lou Dobbs, formerly of CNN news, until I picked up this book. That may be surprising but it was around 2007 that the more I watched the news on t.v. the more the bias and slant was clearly visible to me. So I quit watching. (For the record, I know nothing of the man beyond this book so I make no representations of his character, etc in case some major scandal breaks out or he holds some crazy viewpoints I am unaware of.) Since then there are certain topics I follow but do so by watching headline news on the internet, reading books, and doing my own research on the subjects. Some I write about and some I don't. Included are:

The banking industry
The housing crisis
The U.S. economy
Outsourcing of jobs
Illegal Immigration
Education
The Welfare system
Politicians
The impact and future of all of the above

Some of these topics and the books I have read are written about in this blog. At times it is somewhat annoying to both myself and others because in the midst of the conversations about everyday things and events I have to bite my tongue to not start in what people classify a "political" discussion. Especially among women there are few that I have found who want to engage in these topics. So I keep my nose in my books and keep reading.

Along comes Lou Dobbs and in one book he has chapters on ALL my favorite topics:

A Superpower Struggle
Inflection Points
Two Parties, No Choice
Power to the People
The Imperious Presidency
Debtor Nation
Shadow Government
God and Politics
Crossing the Line
Eating Our Young
Nation in Denial
Media Madness
Independent Thinking and the American Spirit

His approach is what he defines as nationalism which is seeing America (and all countries) as independent, separate entities whose policies should meet the most important needs of their own nation first. Contrast that to what is now often referred to as the Global Economy. The difference between the two mindsets drastically effects the choices and decisions made on all policy, military, and economic fronts. One of the most challenging and persuasive subjects covered in the book is Who is Running the Show now? What are their goals? And why are the voices of the American people not being heard though they are speaking louder and louder?

A man who FINALLY gets it. Lou Dobbs describes himself as an Independent populist.I am grateful to Lou Dobbs for writing this book as his work substantiates and documents my own viewpoints and Lou has had a full time job and staff of researchers to document his findings. I say this because so many of us watch and see what is going on but then the news and reports that deny or spin what we are able to see with our own eyes. If it looks like a duck and quacks like a duck it is a duck...but in this case an elephant.

So what is with the elephant? For years I have read about, thought about, and discussed all the pieces but it was this book that opened my eyes to see that all of these topics are part of the same animal. This book pulls together what may seem to be unrelated topics and shows how they are all interrelated and yes, have the same source for their cause, are no accident, and not even negligence. They are purposeful ruination of the American culture and ideals by those same people who are flying around in their golden parachutes. I would not and did not see how the pieces fit together but the picture is now crystal clear.

On other occasions my book reviews have expounded on the details of a book but in this instance I would encourage anyone who has an interest in education, the rising cost of pharmaceutical drugs, illegal immigration, politics that seem to offer no choice or action, or any other topic that is of major importance to this country -- read the book. Whether you choose to read a chapter or cover to cover I think you will find that Lou Dobbs has expressed the voice of the American people that others have tried to ignore.

War on the Middle Class: How the Government, Big Business, and Special Interest Groups Are Waging War on the American Dream and How to Fight Back . The book is also available at a reduced price in Kindle format or free from the library. Another interesting title is Exporting America: Why Corporate Greed Is Shipping American Jobs Overseas If you would like updated news here is the official website that has daily news feeds.

Time is moving forward. Could it be that our progress is hindered by the forces whose goals are contrary to the best interests of the American people? It would seem so.

It's The Thought That Counts

2011-12-06T22:00:00.001-08:00

We have all heard it said "it's the thought that counts". Our financially lean years test this because as a giver we can feel badly that we cannot do more and as a receiver we can feel slighted. Our age is no matter because even children can look around and see what friends have received. Yes, it is petty and something we may not want to admit about ourselves but it definitely can happen.

I remember years ago. I was a single mother and funds were tight. There was no money for extras. That Christmas my brother was doing well and when I opened a Christmas card from him he had given me a round trip ticket to Hawaii. I burst into tears. At that time in my life I had never even been on a plane let alone travelled to paradise. I held on to the ticket for a while and in the end traded it in so that I could buy food and pay basic expenses after asking him first if that would be okay.

The next year rolled around and it was Christmas again. The gifts were being opened and my brother had bought me a big winter sweater. It was a nice sweater but I remember feeling surprised at how much my brother's financial situation had changed. It was almost as if the gift giving was giving a window into the financial lives of others.

More years passed. We got together for dinner at mom's house as usual and it was so good to see my brother and have us all together. I have no recollection what gifts were exchanged. All I know is that the next day I got a phone call that my almost 25 year old brother had died. It was a life changing Christmas.

Christmas - it's the thought that counts. As this season comes up love those you love as much as you can. Be thankful for each and everyone sitting around the table. Whether you are gifted with a trip to paradise, a warm sweater for the cold, or being in the presence of someone you love it is a joyful time. And remember why we celebrate. Christmas. The name says it all.

I wanted to share my two favorite Christmas movies and hope you have a chance to catch them again or for the first time. Usually they have been on Lifetime but I see one has moved to CBS

The Christmas Shoes
Home by Christmas

I just found that Lifetime has a neat feature where you can find your movies and in addition to seeing the times it will be showing you can also receive an email reminder. You can tell I'm easily pleased. :) I also love sticky notes, my walls and computer can become wallpapered with them. Wish I would have invented them.

Mr Willowby's Christmas Tree

2011-12-04T22:00:00.000-08:00

Looking for a new tradition? This is my family's favorite Christmas story. I received it as a gift in 1963 and we have been reading it ever since. I posted this last year but too late for most people to obtain a copy. This year we are set and ready to go. The family will love it. And for the reader it is a chance to use their stage voices as they express each of the characters.

Mr. Willowby's Christmas Tree is the story of a man who purchased a giant beautiful Christmas tree that was too tall so he chopped off the top. And, the top continued to be chopped and was passed along to many families until it finally reached a little mouse family. It is a wonderful story of surprises, delight, and making the most of what you have, and being happy! The illustrations make the story AND they are now IN COLOR. Imagine that...

Amazon has both the original black and white drawing and new versions available and both have the same story and illustrator so take your pick. They also have the "look inside" feature if you would like more information.

It just wouldn't be Christmas without Mr. Willowby's Christmas Tree.

Wells Fargo passes Counterfeit $100

2011-12-02T05:51:00.000-08:00

After cashing a check at Wells Fargo the funds were taken to Chase to make a mortgage payment. Among the bills a counterfeit $100 was detected! After almost an hour of review and completing forms the bill was confiscated for the Secret Service .

I am out $100 with no recourse!! I went back to Wells Fargo and was told that since I cannot PROVE the money came from them they would not replace it. Now if by some small chance after 4 bank employees at Chase having reviewed the bill if the Secret Service were to decide they had made a mistake I would get the bill back in a month.

I hope this makes you as angry as it made me. If we cannot trust our banks to pass out real money than something is terribly wrong. Now regardless of whether I can PROVE it or not if I had wanted phony money I would have dug into my Monopoly set, not gone to a bank.

Yes, I'm stewing on my next soapbox post and will have it up soon. Please don't jump to the conclusion that "See, debit cards are better" before you read it. As I mention on the sidebar I was in banking and worked in the computer center of a major bank. I was one of the small fry people working on EFT at the birth of what was called Merchant Services in the early 70's. This eventually became what is now called the debt card. That is why I DON'T have one. Now my some small chance after 4 bank employees at Chase having reviewed the bill if the Secret Service were to decide they had made a mistake I would get the bill back in a month.

I wanted to keep this short and simple as the story is, the title says it all:

Wells Fargo passes counterfeit $100!

Would the lotto change everything?

2011-11-29T22:00:00.001-08:00

When I was In The Trenches if someone would have asked me what did I need often my answer would have been "Mo Money". Each day as I looked around and stressed over the next payment or expense the only creativity I could muster was that money would solve the problem. Of course to a degree that would provide a temporary solution and change and solve my immediate needs but as time passed I learned that there was far more to be learned and gained from the experience.

Somehow the friends I made during those rough times primarily seemed to be older and in my parents and grandparents generation. Maybe in retrospect this was because they had reached a place in life that they not only had the time for friendship but also that they were not as apt to measure or assess a person by the outward appearance or lack of appearance of prosperity.

Those that I met had been through the Great Depression. They had weathered the storms of life and whether they were now prosperous or just making it they recognized that a better measure of a person was by their integrity and not by the kind of car they drove or clothes they wore. The stories of their experiences made anything I was going through seem like a mere inconvenience or just a part of life and a challenge to overcome.

Today as I contemplated those who have now worked so hard, so long, and felt discouraged or angry and maybe like things were never going to get better I though of the lotto. The ultimate "Mo Money" proposition.

If given the chance would you trade what you are now gaining in experience for winning the lotto? I suppose many would as evidenced by the number of tickets that are sold. I admit that I have succumbed to the temptation myself for a total investment/waste of $10 throughout my adult life. Maybe it's because I like numbers and statistics I just can't get past the crazy odds. I figure my chances are much better at finding a job or otherwise improving my situation than winning the lotto.

Just out of curiosity and a memory of a show I once watched about lotto winners I did a little googling and found that even with so great of odds against winning up to 1/3 of the winners ended up worse after winning than before. I include the following not as a roundup but to substantiate the thought that more money is not always the answer:
Why Lottery Winners Go Bankrupt
1 in 3 Lottery Winners Broke Within 5 Years
Powerfall - $27 Million Dollar Lottery Winner Broke

So what then is the answer? For those who seek to find one it will be as personal as the circumstances and may not be apparent until the situation changes. Not meaning to sound ambiguous however this is what happened to me. It was not until months and even years later that I was able to appreciate and see what I had learned. Yes, at the time I was learning some very practical skills but what I did not recognize at the time was that the experience was in fact changing ME and not just my finances. This is what took me longer to see or understand. When things did turn around I was making different choices, I responded to things with different emotions. What I thought of as hardships had refined and changed me. Some things I appreciated more and some had value no longer.

Whether you are now in the recovery stage, plodding along, or still feeling like you are in free fall in the end there will be change and experience. If you have received some lemons you will know how to make lemonade.

Would it be fun to win the lotto? Yes. For now we may have to be content with a nice tall glass of lemonade. And, who knows, in the end we may be better off for it.

Eggs

2011-11-27T22:00:00.001-08:00

Did you know?

That the older the egg the flatter the yoke lays?
That free range chicken egg yolks are almost orange and the corn fed caged chickens produce eggs whose yolks are pale yellow?
That a chicken only lays one egg a day, usually in the morning?
That chicken's prefer to roost at night?
That possums, coyotes, and weasels are natural predators for the flock?
That a red dot in the egg is the sign of a fertilized egg?
That the number of hours of day light determine whether a chicken will lay an egg therefore they do not lay in the winter unless artificial light is added?
That the difference between a brown egg and a white egg is only the breed of the chicken who laid it?
That in a farm environment a good ratio between roosters and hens is 10/1?
That eggs that are past good float?
That the incubation period for chicken eggs is 21 days?
That eggs come in many colors and sizes?

That Winlock, WA is the home of the world's largest egg and every year they have an Egg Day Parade and all day events? And, for many years it was the major industry of the town and they shipped eggs and chicks throughout the entire country?

These are a few of the type of things that one might learn while In The Trenches. For others the learning process might be doing their own yard work, cutting children's hair, changing the oil in their car, or ironing a shirt. Things that one might have previously paid someone else to do are now all up for the DIY test. Teaching the kids as soon as possible thereafter also raises their knowledge and experience :)

Thanksgiving Dinner

2011-11-22T22:00:00.000-08:00

Here are a couple of our family traditions that if you haven't thought of already you may enjoy:

1. When we sit down at the table each person shares something that they are thankful for. This is especially fun with kids because one never knows what might come out of a four year old's mouth.

2. Invite over people we know that may not have family living close by. There is always plenty of food to go around and in my mind no one should have to be alone on this special day.

3. Call the out of town relatives. My morning is not complete without talking to each of my grown children.

4. Put all the worries and projects aside at least for today. There will be time enough for that tomorrow.

5. Share one of your favorite recipes. At our family dinners each person has their special contribution. I can't think of Thanksgiving without thinking of my friend Tammy's cherry cheesecake, Aunt Rosie's mincemeat pie, or Mom's sauerkraut relish. If you feel like giving a treasure write out the recipe and pass it on. If you want it to remain your special secret I get that too, the memory will not fade.

6. Smile at and hug everyone who walks through the door and when they leave, even if or maybe especially if you don't like them. No one can get enough hugs.

These little things make Thanksgiving my favorite holiday of the year.

Wishing you all a Happy Thanksgiving and hope that you are able to enjoy the bounty of family, friends, and food.

Are you content?

2011-11-20T22:00:00.001-08:00

And having food and raiment let us be therewith content. I Timothy 6:8KJV

I can almost picture the pilgrims and those from all generations saying this as a prayer, a declaration, an admonishment, and a reminder. I love the King James Translation not is spite of the strange and different wording but because of the eloquence and officialdom of the that somehow grabs my thoughts and makes me chew on it just a little longer like a savory bite of food. Sometimes I have to grab my dictionary just to look something up but even that seems like finding a hidden treasure.

In modern English the same text might be said like this:

But if we have food and clothing we will be content with that. NIV

I did not know contentment until I lost much. What? That does not seem to even make sense. It was during the season of my own personal battle that I began an exercise that changed my thinking. When I was without running water, heat, or an income I would conduct the following on a regular basis.

Write down 20 things you are thankful for.

At first this was difficult because I was so focused on what I used to have and now did not. I would take my spiral notebook and pen and sit there and ponder.

My children -oh yes, I love them so much
Electricity - things would even be more difficult without lights, a frig, and a stove
The sunshine - that was nice too, bright, cheerful, not so cold today
Food - I did have some food

On and on I would write until I got my 20 things I was thankful for. I did this almost daily for a time and then gradually did it less often. The list would include everything from the fresh air, the cute birds, my favorite bathrobe, my friends and family, and even the good and bad experiences I had had in the past and expected I would have in the future.

An amazing thing eventually happened. I became content. That didn't mean that I did not still have big plans and ideas for the future and hopes for recovering some semblance of what I used to have, like running water, but I knew things were all okay. I knew that even with little in the material sense I was okay, life was okay, and I was content.

I realized what a powerful thing contentment really is. Not only is each day brighter but much of the anxiety goes away leaving behind a clear head not as easily swayed but panic, enticements, and that grouchy attitude that makes everyone want to clear the room when you arrive.

Contentment and Thankfulness. What better ways to start this Thanksgiving week.

Food round up

2011-11-18T22:00:00.000-08:00

Thanksgiving has always been my favorite holiday so what better way to start this round up than with an article about how to put together a budget meal. The other articles are ones I have picked up either because I thought they were funny or timely. So hopefully there is something for everyone and will introduce or reacquaint you with some worthwhile financial blogs to add to your reading list.

The Saved Quarter...Budget Thanksgiving Dinner: 3 hours, $30, holiday meal for 8

Everyday Tips and Thoughts...My Unfrugal Confession: I Am A Food Waster (Occasionally)

Food prices are expected to go up. The drought in Texas is one reason because the agriculture industry has been hit in the billions. Optimists are saying 5% and others are saying up to 30% on some items. Regardless of what the actual numbers may end up being food is something we all need, and in many ways it is one of the expenses we have the MOST control over depending on our choices.

Fiscal Fizzle...Why I Expect 10% Food Price Inflation

Who is Occupy?

2011-11-17T20:36:00.000-08:00

Occupy protesters march nationwide; 300 arrested AP News story in Yahoo.

Many of us have heard the rumblings in the news about Occupy. They are creating quite a national stir and I for one had not heard of them until a week ago. So I'm posting this background from Wikipedia as a starting point for my own learning and thought you might be interested as well. I have no feelings for or against this organization and would be interested in hearing if you do.

With the millions who have been affected and the diverse objectives of the players, as I noted in my Animal Farm post, it is not surprising that mass protesting would emerge. What really caught my eye as I begin to read is that the founders of this group are from Canada. What's that about?

I have written a number of posts in the Soap Box and American Economy sections that discuss where we have been and where we were headed. In April 2010 I wrote a post titled - American Economy One Person at a Time .

Yes, there is still much to be done. Above all I just want to express my feelings that I love this country, I grieve for this country, and I hope we can keep the integrity and courage to move forward to a strong recovery.

The good ole days

2011-11-15T22:00:00.001-08:00

For those of us who read financial blogs we know that often the comments, discussions, and arguments of the readers are often more interesting than the blog post itself.

The Changing Value of Hardwork posted by The Simple Dollar on October 27 was one such article. Trent threw out an idea and the readers seemed to pounce on it and then on one another in the fray. Below is a portion of one comment made that stirred me to jump in. I am not trying to misrepresent the writer in any way so please go back to the link to read in it's entirety if you are interested:

"...In the not so distant past, middle class Americans could afford to have a servant (live-in or daily) and meet basic needs on ONE income. Now that is no longer true. To meet basic needs for a family takes TWO incomes, and I don’t know many middle class homes with servants. Though dishwashers, laundry machines, etc. take over some of that labor..."

My Response:
As a child raised in the 50's and 60's I can definitely state that what was considered "the basics" and supported by one income is not what people now consider the basics. I was raised in a well off suburb and most of the families had one car, 1 b/w TV, no computers, no clothes dryers, did not drive the kids all around because we were expected to walk or ride our bikes. We watched a movie as a treat maybe once every 1-3 months. We reused our lunch sacks, had one phone, and long distance calls were for emergencies (like deaths) only. The hired help was usually a teenaged girl getting paid 50 cents an hour and happy to have the opportunity to earn some money. The boys helped with yard work.

The "need" to have two people working to support a home was created primarily by my own generation who wanted and expected it all the day they moved away from home and wanted even bigger, better, and faster - even if it meant going into debt to get it. That is one of the major reasons we are now dealing with what is called the "American Economic Crisis".

What stuck me full force with her comment was that in retrospect only one generation prior to mine even in the well off suburbs of America the spending habits would be considered frugal by today's standards and actions.  Go back one more generation and we had those who lived through the depression as adults and worked from before dawn to long after dark in homes that had wood heat, often no insulation, and were just getting electricity.

As a child I remember we went to Seattle only once or twice a year to shop or visit family because it was "too far away" and gas cost money. It was all of 10 miles.

We are probably living in the most lavish time and generation that has ever lived. We have the most and we take the most for granted and call it a necessity.   Someone recently said "there are millions around the world who would love to come to America just to be poor". Point well made.

If there is one vivid memory of the way in which we were raised it was that we were expected to bring home our brown paper lunch sacks daily and keep them in the condition that we would be able to use them for a week. Waste of any kind was discouraged and the expression "Waste Not, Want Not" was oft repeated. People didn't talk about green or frugal living but lived by the motto "A penny saved is a penny earned".

It was a top priority that a mother was able to stay home and care for her children so people were willing to do without in order to accomplish this. It is not so much that our economics have changed as it is our priorities and standards have changed.

My mother was unusual in that she was divorced and did not remarry, this was very uncommon among the kids I went to school with. Mom received no child support and on her single salary made sure that my brother and I had good medical care, braces on our teeth (not covered by insurance), music through the school, annual family vacations, and my brother played soccor. We always had food on the table and a warm bed to sleep in. We were able to attend summer camps but were expected to do any "earn your own way" options that were available. We also earned our own spending money. We did not have everything that the families who had a father as the head of the family but one thing was always clear: we were my mom's top priority. I don't ever remember her going out for the evening to have a good time without us. If we were not all together she did not go.

Although mom was gone when I came home from school, making me one of the original latch key kids in our area, all the neighbor mothers were home and I shared in their home baked cookies, went to the girl scout meetings hosted in their homes, and shared in their after school activities until mom came home after a long days work.

Beyond that our lifestyle was not much different from one another and often when it was time for their fathers to come home it was my signal to go home so many of the fathers I never met.

Every family on the block had a hot meal waiting. One could hear the call to dinner as mothers stuck their heads out the door to call the kids. For some it might have been macaroni and cheese and for others steak but nonetheless it was the way we lived. Nowadays many people may laugh at Leave it to Beaver but it was definately a good way to grow up. Parents worked hard and sacrificed much to provide this model of home for their children.

I share this mainly to set the record straight. It is easy to draw conclusions and assume that the rise in the two parent working family is a necessity while overlooking that it is a choice made up quite possibly of a series of many little choices.   I just can't imagine Wally and the Beav or anyone I knew for that matter being in what is now being referred to as "generation rage". There was just not that much to be mad about. Even in areas that were experiencing difficult times would work through them in hardworking decent ways.

Making these little choices today is just as possible if not more so than they were in the 50's and 60's. It all depends on our priorities.

For more about the lifestyle of the good ole days:
In The Trenches - Recycling

Pneumonia round up

2011-11-13T22:00:00.002-08:00

I started to feel just crappy and went to the doctor. As I suspected I had gotten pneumonia from being out in the cold too much the previous weekend. They actually gave me a shot in the rump! I was indignant. This was the first one I remember having since I was six. But, I guess I deserved it as I should have had enough sense to get in out of the cold.

Pneumonia is a strange thing. It makes one so very weak. Especially when combined with the codeine cough medicine. So I am on my 4th day of sleeping and sitting. As long as I do just those two things I tell myself I am getting better but if I get up and walk around within 5 minutes I feel weak and am coughing.

I don't feel like reading, t.v., or talking on the phone. Being in ones bathrobe for days though comfortable eventually makes one feel sloppy. I thought of knitting a scarf but could not find my needles. It's amazing that one can actually just sit in a chair doing nothing and the clock continues at the same pace as when one is very busy and getting things done. And, I'm not doing much writing because my mind feels so la ti da.

The good news is that it gives one the opportunity to contemplate their life and I feel so much more thankful for my job and will be glad to get back on Monday. I am thankful for my comfortable bed, chair, and that I can turn the heat up when I am cold. I am thankful that I can go to the cupboard and find a can of soup. And, I'm thankful for doctors and medicine.

One thing I have been able to do in spurts is to read other financial blogs and there is some really good stuff. I'm surprised how many coupon blogs there are. I'm not much into that because my goal is to stay out of the stores as much as possible. I wish I would have thought of this sooner but as I mentioned my brain is somewhat on delayed reaction. So here is a round up of my favorite stories so you can enjoy them also.

Going bananas on my debt: A look back at how debt-obsessed I was From Fabulously Broke. If you need to feel inspired today here is your story.

Lower Your Grocery Bill: 3 Secrets From ChristianPF . What I'm enjoying about this in addition to the post is the comments and discussion of the readers. A number of home grown options are being reviewed.

Got $50 bucks? Green your house From Cool to Be Frugal. Sometimes we all need a reminder to do the small practical things that can save big money. Another thing I noticed about this blog that may be of interest to our readers is that the family is managing on one income, a feat some would say is impossible in this economy.

Thoughts For Thursday: How Do You Handle Eavesdroppers? From Kris at Everyday Thoughts and Tips. This just brightened my day and made me chuckle which is a good thing when not feeling well.

Of course my staple diet of financial blogs are Personal Finance by the Book where Joe has just concluded his series on doing a flip house. A daring undertaking in this economy. Jacob from Early Retirement Extreme can be counted on to make me think and make me laugh all in the same sentence. His book is having extreme sales as people delve into thinking about finances in a new way. He is modest and would probably deny it but it's a tough market out there for a new author. Once we realize that money is merely one of many tools we are free to make choices in an entirely new way.

The moral to the story is that winter is here. If you are going to be outside...take a coat.

Thank you.

2011-11-10T22:00:00.000-08:00

There really are no words to express the gratitude I feel toward the brave men and women who have served, fought, and died for this country and our freedom. It goes beyond whether I support or agree with specific military policy or action. Their sacrifice has touched every generation and most of our families in one way or another.

Thank you.

Gold man

2011-11-08T22:00:00.000-08:00

Riding the bus provides an almost daily element of interest and stories of the people in the city. Last week was no exception. I looked up from my book and noticed a man farther toward the front wearing a straw hat that had been spray painted gold. Interesting but a little tacky for my tastes I thought. As my stop came up I walked toward the front and noticed with interest that his clothes were also spray painted gold. Hmmm.. Of course I wanted to unabashedly check him out but good manners prevented me from a full stare. In walking past I couldn't help but glance down because I wanted to see his face. What kind of person would wear painted clothes. And, there it was...his face was painted gold also!

I continued to work and mentioned it to my coworkers. "Oh yes, we have seen him downtown" they all replied. Completely baffled I asked why would a person do such a thing? They responded that people give him money. Totally perplexed I had to affirm, "you mean people give him money for spray painting himself gold?" My past 20 years in a rural area had not prepared me to even contemplate this possibility. They assured me it was true.

I was totally impressed. How much creativity did it take to come up with this idea? Does one just wake up one morning and decide they want to be a gold man? Or, was it one of those In The Trenches decisions made out of desperation of being down to ones last dollar? Either way I had to give him credit for his ingenuity.

So are you low on money? Get out your tablet and make a list of all the ideas that pop into your mind for making some extra money. (Legal and moral of course) Let gold man inspire you to new levels of creativity. You may just come up with something brilliant.

How many cans of Mushroom Soup can you use?

2011-11-06T22:00:00.000-08:00

“Hey, did you hear that Smith’s has a sale on Campbell’s Mushroom Soup for 49 cents?” That was the lead in that began the conversation to start a food storage program. The concept stirs a number of responses and reactions from survivalist extremes to grind your own wheat but I think the best reason to begin a food storage program is that IT SAVES MONEY. There are many ways and methods to begin and the free on-line book outlines a simple way to begin. My friends at Food Storage Made Easy can give even more advanced plans and ideas.

So what would one do with 50 cans of cream of mushroom soup? Here are my family’s top easy preparation recipes that even the kids can help make:

Tater Tot Casserole

Brown 1 to 1 ½ lb. of ground beef
Drain and layer on the bottom of a 9x13 pan.
Cover with tater tots
Spread mushroom soup over the top.
Cover with grated Cheddar cheese.
Bake at 350 degrees for 1 hour covered with foil or without. I prefer without.

Serves 4 to 6 people.

Chicken with Mushroom soup gravy

(This recipe also works with pieces of round steak)

Wash chicken pieces and pat dry. Season with salt, pepper, garlic powder, and paprika.
Cover with flour.
Brown in skillet
Place in baking dish
Cover with 1 or 2 cans of mushroom soup depending on how many are being served and how much gravy is desired.
Bake at 350 degrees for 1 hour.

Serve with rice or stuffing and vegetable of your choice.

Chicken Rice Soup

Boil chicken pieces in water until tender. I use the pieces that are not the family favorites such as backs. Thighs make the tastiest soups. (You can save the breasts for the recipe above.) Place in refrigerator overnight. The broth will cool and any grease will rise to the top. Skim off and discard. Remove meat from bones and cut meat into small pieces. Return to broth in pot and reheat.

Here is the SECRET to tasty soup: In a separate pan sauté your favorite or left over vegetables. My favorites for this are garlic, fresh ginger, onions, celery, and mushrooms. Even a few water chestnuts make a nice addition.

Add sautéed vegetables to soup base and add any additional vegetables you might like such as broccoli, frozen mixed vegetables, or asparagus.

Continue to taste soup and add salt and pepper to taste. I use Patis as a substitute for salt. It is a Pilipino seasoning. If you try this be very careful! It is very salty and a teaspoon goes a long way but I prefer the flavor which is incidentally made of anchovies.

About 15 minutes before serving add 1 can of cream of mushroom soup and 1 cup or so of rice. Too much and you will have a casserole. These two ingredients are what will turn the soup from an accompaniment to a rib sticking meal. Serve with cornbread; garlic French bread, or grilled cheese sandwiches.

I have purposefully not listed specific amounts of each ingredient first of all because this is the way I learned to make soup and second because my best tasting soups have been ones that I have dug through the refrigerator looking for leftovers and by the time I thought of writing it down had forgotten all that I had put in. Each one was different and unique.

Food storage step one?

12 cans corn
4 cans green beans
4 cans French cut green beans
10 cans Cream of Chicken
38 cans Cream of Mushroom
6 Low sodium chicken broth
8 cans Chili

Total cans = 82
Total cost = under $44 dollars.

The quiet invasion of America

2011-11-02T22:00:00.000-07:00

Sometimes being right makes me sad and in this case it just ticks me off. Consider this new article from the Wall Street Journal -

Foreigners' Sweetener: Buy House, Get a Visa

In essence it is new bi-partisan legislation that will further attract and reward the investment of foreign money into the purchase of land on American soil.

Remember what we used to say daily with our hands on our hearts?

"I pledge allegiance to the flag of the United States of America.
And to the Republic for which it stands
One nation under God
Indivisible with liberty and justice for all."

A nation can be taken in many ways. The two most common are militarily and financially. I am a supporter of legal immigration but believe it should be done with knowledge, conditions, and with stipulations. My own great grandparents immigrated from Germany. It is essential for someone who lives in America, and, especially one who purchases land to know and be required to pledge allegiance to the Constitutional principles this country was founded on. Further they need to defend them as the needs arise. This goes beyond merely speaking the words and includes a history of life and practice dedicated to those principles.

In a review of my soapbox articles I warned that a foreign take over of land would be the next big step coming in the housing crisis. Some time has passed and there are new readers to the blog so I wanted to raise the attention again hopefully as a siren to those who still love this country and in recognition of those who have served and died to defend and protect it.

Remember that banks now own outright over 12 million homes taken through foreclosure the last time I looked and they have one goal: to make money.

Posted October 6, 2010
Did you see this article in Time Magazine? I thought the writer did a good job researching home ownership trends back as far as 1900 and outlined government involvement through tax advantages and loan programs. After Housing Bubble, the Dark Side of Homeowner Dreams - TIME. In reading the comments it can be assessed that many were rattled by the article. I'm not sure if it was her statistics or her conclusions that jarred people. Although I don't necessarily agree with her conclusions I did think she brought up some valid points.

I am going to suggest that there is a plan in motion that is so diabolical that it would seem to come from a "I'M GOING TO RULE THE WORLD" action flick. This is the question that I have been asking myself lately and chewing on the possibilities. "After Housing Bubble..." What next? If you have been reading my previous posts on the U.S. Economy you know that I believe the housing crisis was no accident and part of a bigger plan. So what next? Where are we going from here? I would like to share a few observations and thoughts that I believe deserve further research. If you know any resources or links you can point me in the right direction I would appreciate it. I believe this topic is HUGE and this my first attempt to identify the next step of this UFO that is overshadowing the American Economy. I can see it but am not yet sure what it is.

A short summary of the housing crisis so far and what I think Phase 4 may bring:

As an investor, what would you do if you owned a number of homes and the prices were down? Would you sell low or would you hold on to them and rent them out until prices and buyer demand went up again? If we can answer that simple question maybe we could figure out what is going on in the national economy. What works on a scale of a few would also work on a scale of millions.

Phase 1 - The bubble. Banks loosen credit requirements and people are investing all they have in homes whose prices are going up at a record pace. Many are getting rich in the process. People try and buy before they go higher thinking that if they wait they will miss their chance at a home and a investment opportunity. For some this proved to be true. For millions more it did not.

Phase 2 - The bubble bursts. Millions of foreclosures with banks taking 100% ownership of properties and all the cash down payments and monthly payments that have been made. Personal credit ratings ruined so people will not be allowed to buy for 5 to 10 years.

Phase 3 - Home prices and interest rates lowest in decades but news articles saying that homes are no longer a good investment and individuals discouraged to buy. See cover story of Time magazine. The almighty credit rating of so many has been ruined by the first hit so even with money available they are unable to jump on the BUY LOW INVESTMENT OPPORTUNITY.

Phase 4 - This is where I'm watching for the next move. What I suspect is happening is that now that banks own so much property they will hold it and go into the property management business through secondary sources. Since they own the homes 100% the rent received will be pure profit (less taxes) and no equity is acquired by the resident. In a few years people have their credit magically improved and/or will realize that they have been scammed again and will start buying but prices will already be on the rise.

The scenario makes me shiver. How much power and money is enough?

One important note to make is that the term "home ownership" is very misleading.

I was vividly reminded of this about 2 years ago when I forgot to make a $15 line of credit payment. I received a notice from Chase that my home was now in default on my mortgage! It took me hours of canned music and false starts to even find what the problem was and when I found the mistake I immediately paid the line of credit payment with the late fees. But guess what? That was not enough. Chase had reported to the credit bureaus that my actual mortgage payment was late and my credit score was dropped by more than 100 points with a red flag on my mortgage even though my mortgage payment was on auto-deduction and therefore NEVER late. I spent at least 60 hours making phone calls and writing letters and even contacted an attorney. I was told that the way Chase reported it would stand even though I could clearly show two separate account numbers. C'est l'vie. Am I still angry? Not so much, but it did open my eyes and I started looking around and asking the logical question "What in the world is going on here?" And then I got furious!

Shrouded in mystery.
Understanding the economic crisis is like putting together a 1000 piece puzzle without the benefit of the box top. By looking at the colors and patterns of the individual pieces little sections begin coming together. As a person who enjoys good detective novels and has been employed as an analyst it is an interesting task. The most fascinating part of the entire thing is that a person would want to believe that all are seeking the truth so that good solutions would be found. Not true. The goal of many is clearly to make the most money possible before the rest of us figure it out. Politicians want to stay in power. The media wants ratings.

Watching MSN and then FOX about the same news stories it is obvious that they are not reporting the news but that they are promoting an agenda. How can two recountings of "eye witnesses" be so different? Sifting through the rubble of information and words is challenging. No wonder so many end up turning off the t.v. and getting on with their lives. Worse are those who repeat what they hear without question or thought. To put it bluntly - they are almost all a bunch of liars. Do you remember the old game show "To Tell The Truth"? This is the game they are playing with the American people. Most I believe (or hope) are not even doing it on purpose. We can all miss the forest through the trees and have our own viewpoints interpret what we see. I'm just as susceptible as any to this and that is one reason I try to receive information from both ends of the spectrum on any subject that interests me.

Unanswered questions.
It is amazing how difficult it is to find the answers to specific questions with all the abundance of information on the Internet. To know if what I am referring to as Phase 4 I need answers to the following questions:

How many homes have been foreclosed by bank?
How many homes does the bank now own 100%?
How does that compare to previous periods?
How are these distributed between the BIG bankers and the community bankers?
Are foreign investors allowed to purchase these homes?
How many "qualified" buyers are there now?
What is the average amount that credit scores have dropped since the crisis began?
What % equity do home buyers now have in their homes? Underwater, break even, equity percents?
What is happening with bank owned homes?
Are banks freeing up credit for private investors to purchase multiple homes if they meet credit requirements?
Are those who have been foreclosed have high debt balances from shortages of funds collected?
How much cash money have Americans actually lost in down payments? (I talked to a neighbor who lost $100,000)
Why are the bankers fighting so hard against the efforts to provide home buyer bailouts?
Why are these numbers so hard to find? Is someone trying to hide something?

My theory.
If I am correct about Phase 4 we will continue to see a trend of bank foreclosures, stagnant loan modifications, media discouragement to buy homes, and the banking industry stepping in as "property managers". Of course they will continue just enough "business as usual" to camouflage what they are doing. Why split the profit if by holding their investment they can gain far more? It's too early to answer the question but not too early to ask. And watch. Am I a conspiracy nut? Not really but when I smell something fishy I begin looking for fish. You may not agree but you can throw out the theory in a discussion and see if others get riled up. I'm willing to take the rap as "the crazy one".

If you have any book recommendations or links to statistics on this subject please let me know.

Included are the comments from the first time this was posted that give more of the statistics that were located.

Animal Farm 2011 version

2011-10-30T22:00:00.000-07:00

The purpose of In The Trenches is to be a PERSONAL finance blog written for the general population to give real TOOLS to those striving to work through challenges faced in their own families. However, there are times when it is necessary to look at the bigger picture.

For more than three years now we have been in what is referred to as the American Economic Crisis. Most of us have felt the pinch in one way or another and I am confident that people who read this or other of the many wonderful financial blogs are taking the reasonable and responsible steps needed to correct past mistakes and forge ahead to a renewed state of stability.

I have tried to keep things from getting overly political believing that once we recognise and implement our PERSONAL needed strategies we will recognize and choose politicians who are moving in the right direction also. Long term politicians on both sides of the isle are shaking in their boots waiting to see how the American people will vote.

This weeks posts will lean more toward the soapbox side as I can no longer bear to let watch the freak show. At three years people are still scrambling to point the finger and pass the buck detracting from the huge amount of progress that could and should have been made already. So for a few minutes I will jump in as well.

The cast of characters is most like the book Animal Farm as anything I have ever seen. For today we will suffice with identifying them. If you have not read the book, it is one of my favorites and if you have please jump in and add your own observations.

The Farmer - These are the Americans that have worked and fought and died to make this country was it is today. Our parents, grandparents, soldiers, farmers, miners, and yes, even the original politicians who wrote the Constitution in such a way that would enable us to pursue life, liberty, and the pursuit of happiness.

The Pigs - These are the ones that wanted to take over and convinced the other farm animals that life would be better if they did so. Their methods were cunning, deceptive, and underhanded. Only in the end was it truly evident that they cared for no one but themselves and their own comfort and prosperity. You guessed it I hope. These are the modern day bankers and insurance companies. Promising homes, cars, and prosperity they enticed and seduced the population into debt and financial slavery. Once the noose was set and they had their fingers into almost every family they pulled the rope, took the homes, cars, credit ratings, down payments, monthly payments, and fees that had put into them and left the people to figure out how to bail themselves out. I have read that they have now moved to China where they are doing the same thing and in the meantime continue to collect monthly payments from the American people. Please note that when I refer to the PIGS I am NOT referencing your local bank teller who is doing their job just like the rest of us. I'm referring to the people much higher up on the corporate ladder of the business who set the goals, policies, and fee structures including the most diabolical of all - the adjustable rate mortgage.

The Politicians - Where the Pigs loved the money the politicians loved the power. Entrusted with serving the people instead they turned to taking contributions to insure their elections from the major industries in turn for wonderful campaigns to keep them elected term after term while they carried on their adulterous affairs, fancy dinners, and talked out of both sides of their mouths. The dictionary would define this as a bribe. The one thing I would observe however is that with the vast dis-unity of other segments of the population that these elected individuals would have a hard time even knowing how to best represent those who elected them. The objectives are so contrary that even their constituents do not agree on the best solutions. It is here where strong leadership and common sense is most needed. Only in this way will they be able to serve in a manner that preserves the mandates of our nation and not cater to special interests.

The Newscasters - Weren't these the chickens in Animal Farm? The reporting of the news is no longer about facts and truth it became about ratings. We watched the stock market rise and fall like a roller coaster depending on their optimistic or dismal reports. And, since it was now about ratings they could track who watched what and report more of the same. They are often referred to as the ministers of propaganda. Oh, wait that is from George Orwell's 1984.

The Consumers - They even call themselves this. On the farm we call them coyotes. Spending whatever they can whether they need it or not thinking that this will somehow improve the economy. A consumer is defined as a devourer and destroyer. But, they look good, smell good, drive nice cars so they have become the poster children for the sheep who also would like to do these things. But wait, where is their money coming from? The sheep of course but because they do such a good job at creating the illusion of wealth they are given tax credits and contribute large sums to campaigns so that the politicians can stay in power.

The Work Horses - Those who are In The Trenches learn more and work hard day after day to improve and support their families. One characteristic of the work horses is that they would rather give than receive. If they don't know all that is going on it is because they are too busy to pay attention. The work horses fall in all economic levels but they differ from the consumers in that they provide valuable goods and services for their efforts. Bill Gates and Sam Walton fall into this catagory along with many of our friends and neighbors. We are in good company as we follow the advice and example of those who have gone before us.

The Sheep - If you remember the story of Animal Farm the sheep were taught a song that they repeated over and over in an attempt to keep them from looking into questioning the truth of what was going on around them. They didn't want to think too much and were easily confused but they were willing and ready to follow leadership and put trust in those who they thought had their best interests at heart. The sheep when handed a credit card and told they could afford it would say thank you and spend up to their limit. The sheep though lack of knowledge have been prey to and of the bankers and pigs. Though they made many financial mistakes it was ultimately to their own detriment and without malicious intent. The sheep's greatest assets is their wool and truly they have been targeted and fleeced by those would wanted to get it.

The b.s. - Anyone who has ever been to a farm knows that the first rule is to watch your step because there is b.s. lying everywhere. It is a constant job to keep things clean but it is an effort that never is done. As the economic crisis has continued so has the b.s. These are the people who continue to draw their unemployment checks with extension after extension without looking for a job. These are the ones who will willingly drive all over town to hit every food bank and service just because they qualify. These are the ones and they are plentiful that look toward the taxpayers to provide their needs in subsidies, grants, programs, and resources on a long term basis without putting in the effort to take the actions and get the knowledge to be able to support their own families. We cannot afford this and should not allow it to continue. Auditing is the number one thing needed to expose and curtail this practice of abuse. One common thing I have seen is using the children as a tool to obtain benefits. Groan...it's a bunch of b.s. and we should not except it.

The poor - There are those who truly need a temporary helping hand. There always will be. Natural disasters, health issues, and death can put any one of us in a dramatic financial tailspin and we need to recognize and be willing to help where and when we are able.

The foreigners - This is a much written about and highly opinionated subject so I will not delve into it except to mention that there are approximately 16 million illegal people in the country and a growing trend of foreign investors. (see more on the second group in the next post)

America is being tested to it's core. It is no small wonder that progress is slow for we haven't even agreed upon a course of action let alone a sense of direction and individual steps needed to achieve that goal. It would be easy for us to say that we all want a Stable, Secure America. But really, are many in these groups not really just more concerned about what they can get for themselves? At the heart of it all is not extreme selfishness at the root of many of our nations ills? Are we really looking toward the future of our children and grand children and making choices in their best interests or are we looking toward fast, easy solutions that will lead us to deeper bondage and corruption.

I believe that we live in the best country in the whole wide world. Our prosperity is built not only on our vast resources but also on our purpose, hard work, and willingness to sacrifice, and stand for truth and justice here and where ever we see the need abroad.

Finally, and above all we are a nation built on our faith in God and it is He that has prospered us in the past. Our Declaration of Independence clearly states this within it's opening lines. What better way to end than the way it all began?

"We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness..."

As they grow...

2011-10-25T22:00:00.000-07:00

Word reached me about this event and though our readers probably do not live in the area where it was held I thought the concept was so interesting that it was worth sharing for all the creative, industrious people out there.

As they Grow was started by three women and the events are held twice a year. Their website gives all the information and it looks like they have done an exceptional job in organizing.

Everyone wins with this business model:

The community has reasonably prices items,
the consignors get rid of their stuff and make some money,
the hosts make money,
the consignors may elect to give all unsold items to local charities,
and, of course, the children get new clothes.

Seems like the concept could work with other interests such a fishing supplies, holiday crafts and gifts, or even swap meet variety.

Hope you enjoy browsing through their website to come up with some of your own innovative ideas.

Material Girl

2011-10-23T22:00:00.000-07:00

Remember? How can we forget Madonna's song Material Girl ? Even though I was not into pop culture I knew the song. It was glitzy, catchy, and fun. An entire generation was raised on the song and guess what? We now have an economic crisis. Is it a coincidence or are we now reaping what we sowed?

The music we listen to effects our thinking and each generation brings with it the theme song for the outcome of the next. Music affects our minds and actions in sometimes subtle but noticeable ways. I too have to catch myself every time the song "I've got friends in low places" comes on because it is one that I start singing along with, it has such a catchy beat and it really is fun to sing. Everyone around me joins in with gusto.

So, here we are in 2011, Material Girls to some degree and now having to pay off the debt.

"But, I'M NOT A MATERIAL GIRL" you say. Maybe your favorite outfit is jeans, tennis shoes, and a t-shirt. Just for fun, if you dare, answer these 10 questions. If you answer yes to a few of them you MIGHT be a material girl (or guy)

Do you have any clothes that you have not worn for a year?
Is shopping a hobby or past time?
Do you rent a storage unit or can't get your car in the garage?
Do you replace items that are not broken or worn out?
Is spending money to party or going out to eat a regular event?
Does getting your nails done prevent you from doing other things like cleaning or the dishes?
Do you show off your new purchases to friends?
Are you attracted to other people by what appears to be material success?
Does your car symbolize your coolness?
Do you buy things that are on sale that you really don't need?

Hmmm....maybe we have been influenced. I know I have.

Set your first financial goal

2011-10-18T22:00:00.000-07:00

Some of my favorite writing has actually been posted on other blogs. This article was written for Billeater.com and published in August 2011. Although the content may not apply to all In The Trenches readers you may know someone that it does and want to pass it on.

Life is like a treadmill…if we don’t make a conscious effort to keep moving forward, we will automatically begin to slide backward.
This is true of every area in our lives, whether it be relationships, health, finances, or even house cleaning. The momentum of our decline can even speed up when unexpected tragedies and events occur. I wrote In The Trenches to help others keep moving forward rather than sinking backwards.

In The Trenches, what does that sound like to you? The term it is one commonly associated with the military and conjures associations of a battlefront. Indeed, In The Trenches is a defensive posture with an offensive goal. "How does it apply to finances?" you may wonder?

People are now facing a financial battle brought on by unexpected or unplanned circumstances. Many more feel that they have worked so long, with so little to show for it. For all these people, it’s time to get In The Trenches. The battle strategy from In The Trenches that I would like to share today is the simple act of setting a goal, even if it is the simple desire to be self-sufficient.

Whether it is food stamps, unemployment, or even subsidized housing, the first step toward financial independence and freedom is to set a goal. It may take six months or more to achieve your goal, but if you keep walking forward in the direction you plan, you will reach your destination. Remember the first line? If you are not moving forward you will slide backward.

If you are currently receiving any type of welfare assistance, I'd like to share a story with you that I hope will illustrate why your first goal should be to overcome your dependence on financial assistance.

A Common Story
At my work, we hired a young woman fresh out of high school. For the purposes of this story, we'll call her Jane. The job we hired Jane for wasn't great, but it was a good place for her to gain experience and a pay check. Unfortunately, Jane had no goals and no direction. She became pregnant, but decided not to marry the father, with whom she had a rocky relationship. Jane reasoned that she could qualify for many types of government assistance if she stayed single and the money could supplement the income she made at her job.

It was not long before the baby arrived and Jane set out as a single mother, making every attempt to raise the child on her own. She continued to maintain an open relationship with the child's father because she wanted her baby to have a two-parent family. The unstable relationship caused Jane to move several times in the next couple of years. When together, the pair could afford a nicer home. When separate, Jane had to downsize again. While apart, they each dated others, creating more obstacles to their happiness.

After a separation, they got back together and talked about getting married. And what happened almost immediately? You guessed it. Jane was pregnant again. Watching the downward spiral of Jane's life was hard for her co-workers. But none of us expected what happened next. Jane told us she was quitting her job. As the whole department listened, trying to keep their jaws from dropping, she told us that she and her fiancé would now be a happy family and that she wanted to stay home with her children. Between the man who paid not one dime in child support and government assistance, Jane actually thought everything would work out fine.

After watching the drama unfold for two years, we were all very sad for Jane. Just a month later, we found out she was looking for a job again. Jane was wandering through life on a roller coaster to nowhere. Jane did have a vague goal. She wanted a happy stable family. But she was clearly going about it the wrong way. Anyone could see that. But there is an old saying, “They can’t see the forest through the trees,” and that's exactly what had happened to our friend Jane. Even sadder, Jane's situation is not so unusual.

Jane is not Alone
In Washington State in 1960, the rate of babies born to unmarried mothers was 3 percent. By 2007 it had climbed to 33 percent*. In 2000, the number of married couples with children at poverty level was 6 percent. Compare that to the number of single female heads of household children in poverty, 31 percent!* The worst part of the debacle is that it took place long before the financial crisis of 2007 set in.

So ladies, what is our goal here? To get off assistance. Benefits won't last forever, and without strong support from a partner or your family, expecting to raise a family on financial assistance alone is unrealistic.

Achieve Your Goal in Three Steps
How does one go about this goal? As a single mother myself, I’m going to recommend three steps:

1. Get your personal life in order. If not for your own sake, then for your children. There are many good books to help, but two in particular were the most helpful to me. I only wish I had known about them when I was 16 years old:

Too Close Too Soon, by Bobby Reed and Dr. Jim A Talley
The Rules, by Ellen Fein and Sherrie Schneider

2. Get a job and give it your all. Start someplace...anyplace. It does not have to be your dream career or even something you want to do for more than a year, but any job looks better on a resume than no job. If you can' find one, begin doing volunteer work or odd jobs. Find one that lets you bring your children if you can't find a family member to help care for the kids.

3. One friend of mine who loved to clean found a job in the hospital's Housekeeping Department and made more money than I did. She earned benefits like a retirement fund, bonuses, and recognition for her excellent work. Many companies offer medical, dental, education, and profit sharing. If nothing else, you gain experience. Keep working on your budgeting and money management plans.

Follow the advice you find on blogs like Billeater and keep moving forward, not backward. Use your desire to learn all you can about managing your resources effectively and profitably.

Many Janes, One Lesson
You might think Jane's story doesn't really apply to you, that such situations have no effect on your life. But if you are a taxpayer, if you have kids in school, if you are a single mom struggling to get by, then the lessons Jane learned most certainly apply to you.

Managing finances is not just about money. The way you manage finances reflects on your choices, goals, and values in life. All these facets of life are subject to change and we can all change them today by taking steps to keep moving forward.

Because finding a job is the first step to financial independence, you can use the Job Profitability Worksheet in her book to help you make the best and most profitable job choice, calculating not just wages, but the costs and benefits involved in any employment.

How are your juggling skills?

2011-10-16T22:00:00.001-07:00

If someone were to ask you what are the basic necessities of life what would you answer? Most of us would answer food, clothing, shelter, and medical care (for those who have physical ailments). But is this how we plan our lives or our budgets? Recently I heard of a survey where regular manicures were included on the list of basic necessities. How about cell phones? A car? A college education? Pampers? Somewhere along the line the expectations and definition of basic necessity has changed. And, in attempting to maintain this new level of what is assumed to be expected people are scrambling to hold it all together amidst a changing environment.

I'm not a juggler but I would imagine that it would be easier to keep one ball in the air than 10. I have also seen those who are skilled are even able to juggle flaming objects. Not my idea of a good time. I prefer to keep it simple. Many approach planning a budget and paying their bills in the same manner and wonder why they can't keep all the objects in the air.

It is this principle that motivated The Minimum Basic Budget. When the income gets cut some quick decisions need to be made. The changes needed may not necessarily be permanent but indeed they do need to be done quickly. By recognizing the need to focus on the basics early enough we have the opportunity to set down the rest so that we can keep these in the air. Otherwise we run the risk of dropping them all and having to start over from the beginning.

It is easy to point to the U.S. economic crisis and think that was when all our troubles began. Indeed it was a turning point for many but often the signs of a diminishing personal economy were already rearing their faces but because we continued to receive a paycheck we were holding the hounds at bay. The job loss was then just the last straw.

What were some of the signs?

Lack of savings. This could be in the form of cash in the bank or other commodities.
Growing credit card debt. Any credit card not paid in full each month is a sign of risk.
Living pay check to paycheck and counting the days until the next one.
Dependence on any government or public subsidy including welfare, food stamps, student loans, and tax credits.
Car payments.
More bills in the mail than letters from friends.

These are just some of the signs and may raise the hackles of some who still don't want to acknowledge that these warning signs existed and evasive action was needed. Yes, I too, recognized some of these signs in my own finances so am not immune. In fact, it is because I have had to start over more than once that I am beginning to learn the steps to the dance.

The bottom line is that there will ALWAYS be more opportunities to spend money than there are for most of us to earn it. So the goal cannot always be to EARN MORE but to MANAGE BETTER. Even if you have lost everything that gives you the opportunity to start over and become a more proficient juggler. Dropping all the balls is sometimes the first step to figuring out which ones are really necessary.

The Dollar Store

2011-10-11T22:00:00.001-07:00

"How much is it?"
"It's only a buck."

When we go to The Dollar Store we hear those phases repeated over and over again. It always makes us laugh as we catch ourselves time after time repeating it along with all the other shoppers. Yes, the sign on the door says so but we continue to ask anyway.

About once a month we head in and have a great time roaming through the aisles finding all the strange and unusual things on the shelves. Most do not carry the standard policy of when the shelf is empty it gets refilled. No, each time we go there is a different collection of items to pick and choose through as the owner has picked up the deals along the way. With the holidays approaching the variety is even more colorful.

Even the kids can take their change and find something new and different to enjoy. Once of the best purchases that was made was a package of colorful pipe cleaners. Hours and hours of enjoyment and creativity was used in the making of mobiles, bird cages, and roses. All for a buck. The same happened with a package of colored Popsicle sticks.

Some of the many items we have found:

Cleaning products including window cleaner, laundry detergent, and dish soap. Some are brand name
Socks. 3 pair for a dollar
Party supplies
Hardcover and paperback books including some of the top authors
Umbrellas
Toothpaste
Bungee Cords at another store $6
T-shirts
Hair accessories
Calculator
Bibles
First aid supplies including ibuprofen and band aids
Pet Supplies
Picture frames
Holiday items
School supplies
Liquid hand soap/sanitizer
Gloves
Puzzles at another store $4
and, my favorite - pink flamingo decorative items.

They also sell all manner of food items but as is always true, know your prices. A can of vegetables at $1 is not the best price in town.

What can you still buy for a dollar? Check it out. You may be surprised and have a fun time in the process. And, if you REALLY want to save money they also have the 99 cent store where you can even get back change from your dollar.

Teach a man to fish....

2011-10-09T18:14:00.000-07:00

"Give a man a fish and you feed him for a day.
Teach a man to fish and you feed him for a lifetime."

One of the benefits of riding the bus is that one gets to see a cross section of the population on a regular basis and whether you want to or not you overhear the things that effect their lives. From the job commuters to the unemployed, all ages, races, professions, and walks of life are represented on their good and bad days. Often one ends up sitting and visiting with a person totally unlike themselves and there may be only one thing we have in common... we are both on that bus, that day, at that time. I have met band members, drunks, salesmen, Republicans, gang members, single mothers, Christians, atheists, grand parents, Democrats, American born, able bodied and those in wheelchairs, and tourists from throughout the world.

Almost everybody talks about money. How they make it, how they spend it, how they need it, and how they hope to get more. The talk about how they are getting a house or losing a home. Some are applying for a job, or going to the unemployment office. They talk about where the sales are or who's playing in the football game. They share and listen to the events of the their lives and develop friendships with others who ride the same schedule each day.

Just as often they look out the window and give one another their space. Many talk on their cell phones and act like they are not broadcasting their lives and loves to the entire bus. Book reading is the other major activity and I do much of this myself.

On our journey the closer to downtown are the beggars. I'm not always sure what else to call them. Most have a sign and walk between the cars at the stop light asking for money. Many are there everyday. Some beat me there in the morning as I go to work and still there in the evening when I come home. Day after day, month after month. Some are as faithful to their begging as I to my job. In addition to the regulars are the passersby who ask for a cigarettes, bus fare, or any spare change. More than once I have seen people ask for bus money, receive it, and then not get on the next bus.

Many leave trash at the bus stop. Mostly the bags or cups from the fast food places and many empty beer bottles and cans. The strange part is that often the garbage is left only a few feet away from the trash can. I guess many think there is a magical trash fairy who goes around and picks it up and apparently there is because it starts over the next morning. And, worst of all on the streets are the unmentionables. Everytime I see them I am shocked and appalled that one would leave them on the street. If you don't know what I'm talking about than you have not yet walked a city street so I will spare the details.

These are the streets of our cities. Some are better, some are worse. I actually live and work in the "good" part of town so what I'm am describing are the AVERAGE Americans that our government policies and programs are intended to help. These are some of the people who are receiving the tax credits, cash assistance, and unemployment extentions we hear so much about. Most long to have their own car so they no longer have to be reminded of the others.

Recovery - one family at a time.
Throughout my writing I have attempted to highlight the importance of the individual family in the midst of the greater population. Beginning and throughout the process I have strived to stress that the starting point is our own actions and response is to all that is going on around us. Then, and now, I have believed that the important, and yes, right, approach to our nations difficulties can be summed up in the following:

"Give a man a fish and you feed him for a day.
Teach a man to fish and you feed him for a lifetime."

It is for this reason I have sought to give away the free copy of In The Trenches. Education and not social aid is the #1 key to America getting back on it's feet. We can give away all the tax credits and free money we want but it will only drive the country farther into debt and not solve the problems.

In taking the next step in my own journey and to help make available the copy of the free book I would like to offer the following: If you or any non-profit organization you are affiliated with are interested and feel you know people who would benefit from In The Trenches I will offer them at my cost to anyone interested in getting 10 or more copies for distribution. This would include food programs, churches, or even your unemployed relatives. The cost will be roughly half of the single copy price offered on Amazon. The exact amount will depend on shipping. The worksheets accompaning the book are already available for free in the sidebar.

I also hope to have a Kindle version available in January of 2012 and am beginning to prepare the material in a format suitable for small group or individual presentations. It is my hope that the materials may be used to supplement other financial training programs now in progress or provide a beginner level program to those who find themselves In The Trenches.

I plan to mention this a number of times over the next few months to give our readers the greatest opportunity to be aware of this offer so please don't think that in doing so I am trying to promote myself for I will earn nothing from the effort. I just would like to make sure everyone is aware.

Enjoy the journey

2011-10-04T22:00:00.000-07:00

Many have been on the In The Trenches journey for almost three years now. That is when it became evident that the economy and it's shaky foundations was starting it's rocking and rolling. Many more have joined the journey along the way and have had to make radical changes to their lifestyles, ideas, and choices.

According to a Wall Street Journal article dated Sept 26, 2011 there are still 40 million individuals receiving food stamps. Even if you don't like to follow the news the statistics in this article are extremely interesting and will probably surprise you. They did me. I could write an entire post on just this article but will save that for another day. The point of my noting it is to validate that we as an American Economy have a long way to go in our recovery.

Recovery from anything whether it be health, addiction, or financial is a long process and there is much to change and learn along the way. But, it can be the best time of our lives if we choose to allow our minds to focus on the positive aspects. One does not often appreciate health, beauty, or opportunity until it is gone. Can this also be true about our challenges?

So today if you have no extra money in your pocket and the kids are driving you nuts, notice the green grass in the backyard, the neighborhood park, and the public library. It is time to give thanks.

There is not much to eat in the house so you mix a little of this, a little of that, and realize that you have just created a culinary masterpiece. It is time to give thanks.

You have no gas to get to the job interview and the neighbor offers you a ride. It is time to give thanks.

So much we have and take for granted we forget to appreciate each and everyday. So much is given to us that costs us nothing and being In The Trenches can be the opportunity to open our eyes to the abundance around us each and every day and give thanks. The change that comes over us in the process is amazing. Instead of the moaning, groaning, and down cast shoulders we can hold our heads up, smile at everyone we see, and movitates us to keep on keeping on. The other day someone told a group of us that there are millions around the world who would love to come to America just to be poor. So starting from there we move forward. We choose whether we do so with moaning and a scowl on our faces or a smile and holding the door for someone else. I ride the bus, I see both everyday.

This is our life, we only have one. Enjoy the journey.

While I was looking for a photo for this post I found the website I Skip . How funny!

Hear the Sleigh Bells Ringing?

2011-10-02T22:00:00.000-07:00

I cannot believe how quickly the year is flying by! If you want a Merry debt-free Christmas the time to starting thinking about it is now. If the article below ignites your spirit there are other Christmas posts right below if you hit the older posts button. See, after my break from writing it really did fly! Good thing the elves were working because I sure had other things going on.

This article was originally posted in Christian Common Cents in August 2010. I had a lot of fun writing it and I hope you will enjoy reading it and sharing your own ideas. I remembered the article when last week I realized I better get my own Christmas list started.

“What? You’ve got to be kidding. It’s only August.” (Oh, no, it's already October first!) That may be true but if you have heard the story of Santa then you know that his elves are already working. Delivery day is December 25 but all year long there has been busy activity in preparation for the day that we celebrate the birth of Christ by giving gifts to one another.

This year may be the first year ever that you are ready to consider creating a new tradition. No credit cards. No added debt. No paying for Christmas up until April. How about a new tradition of a cash only Christmas? You might have even said this to yourself every year right before you pull out the plastic.

“He’s making a list and checking it twice”. There’s our starting point. This is the most important part because it will be your guideline for what you will do for the next five months and I can tell you it might not be as easy as it sounds. It is hard to think about Christmas in August when we don’t have the store ads and commercials motivating us. “What? Oh, you mean the media is influencing us? Oh…..” Sure. They want to sell as much as they can and lay it on thick with all the best marketing, persuasive colors, lights, and sounds they can find. They have actually studied how to entice us to buy more. Just do it. Pull out the plastic.

This year is going to be different. This year we can plan early. Pay cash. And, have a wonderful holiday season that does not leave us with a strange sick feeling in the stomach when it’s over.
Back to the list making. If you can’t get enthusiastic then find a friend who will do this with you. Once the list is made figure out how much each item costs and write it on the side. Add up what you think might be the total cost. I know. It does take so much fun out of it to be so much like an accountant when thinking about Christmas. I totally get that. Spontaneous gift giving is very fun but it’s like dieting. We can’t enjoy the fact that we have passed up the donuts until we step on the scale and find that we have lost five pounds.

Here are some ideas to think about once the list is complete. You might want to revise your list after reading them.

1. Christmas cards. Almost everybody loves getting Christmas cards especially if they are from someone they have not heard from all year. To economize in this area consider reducing the price of the box of cards, not the number of people on your list. Discount and dollar stores often carry boxed cards year round at very cheap prices. Think about buying stamps now and setting them aside or stashing the money in your Christmas account if you want to wait for the seasonal stamps.

2. Christmas account. Set up a Christmas account at the bank and put a regular amount of money each paycheck that is building to the full amount of the list. With five months to go before Christmas and a list of $1,000 then you would need to put $200 per month in the account. What? Can’t afford that? Then it’s time to go back through the list. Here are more ideas to help cut it back.

3. Baking cookies and treats. We used to spend a few days in the kitchen baking, baking, and baking. Little cranberry and pumpkin loaves, cookies, and fudge. We would then deliver them to friends and neighbors with our personal Christmas greetings. Is there anyone on your list who would be just as happy with holiday treats as they would be with the gift you were planning to buy? In these tough economic times everyone knows about cutting back and understands. Sometimes it can even be a relief to them because they don’t feel like they need to reciprocate more than a hug if that is all they can afford.

4. Layaway. Before credit cards (yes, there was actually a time before credit cards) layaway was very popular with the department stores. Ask at each of the stores you frequent if they have layaway. If not suggest that Christmas is coming and they might want to get it in place. If yes, then watch for the best sale you can find on big-ticket items. Shop around so that you know the difference between the regular price and a sale. When you find the best deal put it on lay-away. You will need to make a regular payment so ask and make arrangements with the store to do so. This can be reduced from the money you are putting in the bank. Don’t miss a payment. The merchandise could go back on the rack and you could lose some or all of what was paid in. Another good reason to have your Christmas account. If you really are running short you have a back-up payment source.

5. Make your own gifts. Do you have a talent or craft that you enjoy? By starting early you can make many of your gifts. One of my favorite Christmas’ was when I was about five. My mom and dad bought me a doll. My grandpa made a wooden doll bed and painted it white. My grandma made some blankets, sheets, and a little pink pillow, and my great aunt made some doll clothes. It was a family effort and it was wonderful. Most was made from scrap lumber, fabric, and yarn. The cost was minimal but the gift was priceless.

6. More please. I am a firm believer that children under 12 would prefer to have a number of smaller gifts than one big gift. It’s more exciting. If income is limited by setting an amount per person you can select what will fit into this limit. Board games, books, articles of clothing can all add to their feeling of an abundant Christmas. Remember that kids do count so if Sally got five gifts then Mike wants five gifts also. If there is a more expensive item on the list is it something that could be a “family gift” instead of being designated for one person?

7. Practical Christmas gifts. It’s great to have picked the perfect gift for everyone on our list. How often does that really happen based on the returns? One of the ways I like to shop is to pick a practical gift and buy the same thing for almost everybody. Towels are my favorite item because everyone can use them and every couple years it’s nice to have some new. It’s very simple to go and buy seven sets of towels in colors to match their bathroom. For children there are Dora, Barbie, sports, and other things kids love. The price is about $12 to $20 per person to do this. Other gifts I have bought in this manner are sheets, digital cameras, and kitchen towel sets. You can structure your gift to the amount you have to spend per person that year.

8. What are your own favorite Christmas memories? What was most special? Can you incorporate any of these ideas in your planning?

9. Still short on having enough money planned? There is still time to do a Labor Day Garage sale to bring in part or the entire amount needed for your Christmas list.

10. Bonus tip. When shopping for others with a plan you will be less likely to impulsively buy things that are not needed just for recreation. You can still have the enjoyment of a day of shopping but are doing it with a purpose in mind.

Every year we remind ourselves that it is the thought that counts for Christmas and that thought flies out the window when we start shopping. Santa’s helpers have the right idea and we can learn from their experience by planning ahead. When the holidays arrive we can be ready and be able to relax and enjoy them. Oops, in December it’s to make all those cookies. So, we can be busy and enjoy them. When January comes we can walk to the mailbox with confidence knowing we have achieved our personal victory over the credit monster for another year.

Investments

2011-09-29T22:00:00.000-07:00

Not long ago someone asked me what would be my top desired investments based on my In The Trenches experiences? This list is provided for discussion purposes only as I do not consider or purport myself near the level I could be and have had so many ups and downs that might lead some to coronary problems. I am often more of an observer and reader and am happy to pass on the observations I have made when my opinion has been asked. Opinions are free, everybody has one.

Here they are in order, but, I'm saving #1 until last.

2. Pay off debt. What? Why would I put that as an investment? Because of the interest that will ultimately be paid and a step to financial freedom. The quickest way to keep money and be able to invest in something is to be free of debt. Not only does it put more money in your pocket each month but the freedom allows one to come and go, change jobs, and make other financial decisions and risks without the overhead to consider.

3. Food storage plan. Whether this involves shelves in the garage, planting a garden or vegetables, or raising ones own meat all can save money, provide flexibility, and make one less dependant on the fluctuating grocery store prices. It is also a good way for those to begin saving who have had difficulty in the past. It's so easy to spend that $5 bill you have set aside but not as easy to trade a case of refried beans even though the value of the second may be more than the first.

4. Real Estate. This was the top investment of everyone I have known who has done well over the long term. Now with prices down there are plenty of good deals to choose from and investing in real estate now may save someone else from going through foreclosure while still increasing ones own balance sheet. A win/win deal can double the benefit. Most people think of residential property when the words real estate are mentioned and that is included but also there is timberland, agricultural land, and rental properties.

5. Agriculture and livestock. This is the only investment that reproduces on it's own sometimes 10 to 20 fold in a year. Some projects can be done in as small a space as your own backyard. Start small and reasonably so you can learn everything there is to know. Because these are living creatures they deserve all the love and care we can give them. Our efforts therefore need to be made with that as our top goal, not greed and potential profit. I have raised cows, birds, goats, and horses. A friend of mine had a very successful income from a pair of dogs. Another has raised many varieties of tomato plants and still another sells flowers and dahlia bulbs. My biggest mistakes came from not knowing or trying to move ahead too quickly.

6. Precious metals. The easiest way to start is with one ounce silver rounds available at any coin shop. I began buying in the depth of our hardship with 1 per month. It was a small goal but one I was able to keep. If absolutely necessary I could cash it in but because of the hassle of a trip to the city the temptation was not as great as keeping cash around the house. BUT, now is NOT the time. Prices are high. Let the speculators take whatever hit that may occur.

I have written blog posts on each of these topics so check the side bar if any have peaked your interest. There are heading under investments, food storage, real estate, etc.

And, now the most important and #1 investment:

1. Yourself, your family, and the causes you believe in. In the end, when all is said and done this will really be all that matters. Even if you are never able to achieve many financial goals it is your friends, family, and community who will remember the investments you made in them. This is the fullness of wisdom. In this I speak not of buying any pleasure or gift that one may desire at the moment or indulging every fleeting whim.

If a person loves music support it with an instrument or lessons. My friend loves quilting so she invests in fabric and makes beautiful items for her home and family. For some it will be books, education, sports, or other activities to use their talents or advance their skills. Even showing up to a teenagers football game and giving them a pat on the back is an investment in their future and well being. As I reflect on my childhood I remember those who always gave me a smile, made the best pies, and the lady who took the time to teach me to knit.

Another variation of this is to use money saved to start ones own business venture. Rather than taking on a big debt for an untried idea when starting small and learning along the way you won't be as apt to get in over your head.

Many contribute to churches, the needy, animal shelters, or other causes close to their heart. These things are what ultimately give a sense of purpose and fulfillment.

Life is short. Live it the best we can and invest wisely with both time and money. When we do this we cannot lose on our investment.

How long will the American Economic Crisis last?

2011-09-26T20:10:00.000-07:00

My apologies: after this was posted I realized that a chunk had accidentally been deleted so the story was incomplete. I am putting the missing piece in bold for a couple days so that those who received the original via subscription can easily spot it. Here is the corrected version,:

Last winter I had a discussion regarding the Economic Crisis and how long we could expect it to last. My friend is high level in the business world and was optimistic that large businesses were accumulating capital and soon would be in a position to begin spending on development, recovery, and expansion. He estimated at that time that it would take only a few months more to see the beginnings of improvement.

I responded by pointing out that when I last checked that the number of households on food stamps was 20 million plus and that it would take substantially longer for any improvement to reach them and until it did there would be a continual drain on the system.

Since that time I have heard and seen similar conversations everywhere I turn. This is such an important and talked about subject that the Gallup Poll does a daily summary of the economic outlook and posts it on their website along with other statistics such as satisfaction with what the president is doing, unemployment rate, and consumer spending. Some of these numbers are based on specific facts and some of them are based on perception and/or opinion.

What is interesting is that perception can have just as much impact as the facts. We have often witnessed the stock market go up and down like a yo yo not because of any specific event but because somebody said something and everyone was encouraged and/or got scared.

Come on... is that really any good way to run a country's economy? Does that even make any sense? Especially when we, the American people have no control over someone else's optimism or their sour mood. I have seen more strategic betting at the horse races where at least a person contemplating a bet may have studied the genetics, confirmation, jockey record, trainer, health, and record of the horse. And, we know that there is no sure thing in a horse race and most people who consistently play the ponies end up broke despite the bragging they do about the days they may have won.

When the discussion of the American Economy comes up I think that often it is not what is going on in the national spectrum that really matters to those having the conversation. Many times the real underlying questions are:

How is this going to affect ME?
How long will I have to hold on?
I'm scarred. Is it going to get better?

These are the questions I wanted to address today because I think that is the one that people are most often REALLY asking.

As I pondered this post I remembered an experience that makes the point that I wanted to share.

Most people in the city take the fact that they can flush the toilet and everything will go away for granted. It is very cool but we don't often think about it. I lived for 20 years in a rural community and things were not that way. Most of the homes did not have a community waste disposal service, they had private septics. Some of our readers will know what I'm talking about but for those who don't I will give a brief explanation. (yes, this is an interesting story so please bear with me).

A private septic system usually has a main holding tank where all the waste products go including water from the sinks, washing machine, and the toilets. When the tank reaches certain levels the overflow goes into pipes referred to as a drain field.  These pipes have holes so that the excess liquid will be safely disbursed two to three feet under the ground.  Especially in a dry summer a person can spot where the drain field is because the grass is greener.  Someone from the city might comment on the nice grass and someone from the rural area will knowingly nod their heads and smile.

Part of the maintenance on a septic system is to have it pumped occasionally.  There are certain environmentally safe things that one can do to delay this but at some point it will need to be done and is often evidenced by the tub draining slowly or toilet failing to flush properly or the leeching of stuff onto the ground around the tank. When a person buys a home in a rural area this is one of the first systems they ask for an inspection of to insure it is in working order.

Stick with me here...I know that some of you are blown away by now and mentally making weird noises to yourself. I was raised in the suburbs so I know exactly what your mind is going through as mine did the same thing when it was first explained to me.

The day came when it was evident that the septic needed repairing in the home where I lived. With dread the task was approached. The septic pumper was called but before he could do his job the lid of the tank had to be uncovered. It was located right under a mess. Three big men and 5'3" me stood around all looking at the unpleasant task. To lighten the mood I said something to the effect of "Okay, which of you is man enough to handle this?" They all looked at one another sheepishly, looked down, avoided my eye, and nobody moved. I looked around at each of them and my thought at that moment was "Oh, you have got to be kidding". After continuing to wait a couple more moments I turned into my chloric side and told them all to stand back and get out of my way. No, it probably was not my nicest tone of voice.

My anger fueled my shovel and I approached the task with zest. My farm coat, boots, gloves, and shovel handle all were a mess but the job got done and I marched in to get cleaned up. The septic was pumped and re-covered and the drain field was fixed. We were back in business.

So is the American Economic crisis.  Many are standing around the mess waiting and watching and blaming to see who is going to get in and do the dirty work.  The ideas may sound good on t.v. but talk doesn't accomplish anything. Nothing will get better unless action follows. This may mean becoming unpopular and making tough decisons but though elections may be a popularity contest strong leadership seldom is.

The crisis will end and things will get better when each of us "man up" and start digging no matter how unpleasant the task is. We start with the things that effect our own families and our debts are the equivalent of the mucky mess of the septic. We may get dirty, we may get grossed out, and we may get tired but it is the digging that is going to get the systems flowing and working properly again.

If you don't know where to start or have been working on things and don't know where to go next keep asking, keep learning, keep on keeping on.

And, IF once we all, or at least the majority of us, get going in the right direction I would say 5 years. That would be the first two for restructuring and clean-up, the next two in recovery, and the 5th year to begin building and investing again. Of course it will vary by family. It seems like an awful long time but we have a lot of work to do. In the end we can be a stronger and better nation then we have been before. The adults of this generation have the task, responsibility, and the opportunity to make a lasting and positive change. We just need to get In The Trenches.

Thought for the day

2011-09-24T08:21:00.000-07:00

"When things go wrong, as they sometimes will,
When the road you're trudging seems all uphill,
When the funds are low and the debts are high,
And you want to smile, but you have to sigh,
When care is pressing you down a bit,
... Rest, if you must - BUT DON'T YOU QUIT!"

UNKNOWN AUTHOR

Get free advertising with VISTAPRINT

2011-09-21T20:42:00.000-07:00

With the change of economic circumstances many have turned toward side jobs to supplement or replace their income. But the big question arises about how to get the word out about your business or service without spending a lot of money.

The readers of In The Trenches know that I do not have advertising as part of the blog format because why would I encourage cutting back and at the same time placing ads to encourage one to buy? I discovered Vistaprint from a recommendation from my son to help provide the tools for promoting the book. I have had so much fun and am so pleased with the company that I wanted to pass on the information to you so that it might help promote your business, community work, or blog.

Here are some of the things I have ordered for FREE:

Business Cards

T-shirt

Keychain

Pens

Poster

Vistaprint has brochures, stationary, hats, rubber stamps, preprinted checks, and there are hundreds of styles to choose from or use your own logos and photos. So far I have been very pleased at their selection and service. Of course they are in this to make money but they have a generous free and sample program to get you started. As your needs and business grow they can be a helpful resource. They also do web hosting and mailing services. I spent and enjoyed an entire afternoon just browsing through their products and designs and tonight found that you can also make caricatures....sounds fun.

Next on In The Trenches...When will this economic crisis be over?

How goes the battle?

2011-09-18T17:32:00.000-07:00

After a long break from writing I'm picking up the computer again and will start posting. I want to thank everyone who continued to check in, read the old posts, and pass the word along about the free online copy of In The Trenches. Although I have no way of knowing how many have actually read the book because I didn't install an accurate counter I do know that a minimum of 3,500 have checked in. It's a good start and all the more impressive since I have not touched the blog since I have made it available.

Today I began with a few small changes to the site including the copy of the new book cover. An artist friend of mine graciously added some zip to the logo. The content is the same. So for those of you who purchased the original copy on Amazon you truly have a very limited edition.

I am messing around with the colors and styles of the blog so if you stop in and find a pink background one of these days...oops. Now I'm trying to remember how to use all these buttons that allow me to to all this amazing stuff but I have forgotten how to use.

Other changes include the addition in the side bar that shows the readers top choice favorite posts. The posts for the ERE book have been very popular and Jacob is doing an amazing job at selling his book. And, there is good reason for that. These tools are what America needs RIGHT NOW to not only survive but prosper. The resources, opportunities, and freedom we have in this country are just too much to fail unless we ourselves do not take the plow and move forward. I have also been following Joe's posts at Personal Finance By The Book and he has taken his writing to an entirely new level. It will challenge us all and for those who are Christians it will enable the most important element of God's blessings on our efforts.

I would love to hear how things are going with those of you who are in the battle. What changes have you made to your financial management and how are they working out for you? Are you seeing improvement or at least holding down the fort? What good and fun things have come out of these times? Please feel free to post your comments or email me at inthetrenches at live (.) com. I am also on facebook but do more reading than writing.

In the coming days I will write about our garage sale extravganzas, the people I meet on my bus rides, how a living room was furnished for a price you would not believe, and of course will jump on my soap box as the mood strikes. I encourage you to sign up for and email subscription so that you are aware when new items are posted.

Free Copy of In The Trenches - Financial Survival During Times Of Hardship

2010-12-30T18:35:00.000-08:00

Happy New Year!

For many of us 2010 has been a challenging year! I for one have moved to another state, been unemployed for a time, found new homes for all of my horses, had health problems, and financial challenges. And all the while I kept on blogging. Sometimes with good readership and feedback and others where it seemed so quiet. But I watched the map and saw that my words were reaching all over the United States, Canada, Russia, Europe, Australia, and Asia. So I kept on writing. I watched the news and saw the millions of foreclosures, and 20 million on food stamps, and watched the unemployment rates and cried and kept on writing.

FREE ONLINE COPY
Now I'm going to ask something of you: Included in this blog post is a link to a free online copy of In The Trenches - Financial Survival During Times of Hardship. For months I have thought about how to reach others with this information at no cost and so now I ask you to forward the link to this post to anyone you can think of who might be interested and ask them to forward it on as well. If each person would send it to six people in no time at all it would reach 1 million - that is the goal, but I need your help.

The story behind In The Trenches
The greatest challenge of dealing with financial hardship or poverty is the despair and frustration that comes with it. It is sometimes difficult to share our personal stories especially on-line and after much vascilation I have decided to go for it with the hope that it will assist someone else in their own time of need of encouragement, faith, or comfort.

I remember a number of years ago laying on the hideabed couch that I was using as a bed to be closer to the woodstove. The chimney had gotten so plugged up that very little heat was emanating. The temperature outside was 18 degrees below freezing and what windows that were not broken were covered with ice on the inside. The children had been sent to a relatives and I was in the pit of despair. I cried out to God that if this what was to be my life than let me die. His answer came clearly to my mind as if He was standing directly in front of me; "Praise Me," He said. I answered just as loudly; " I will not praise You". Again He said; "Praise Me". Even more forcefully I said; "I will NOT praise You!" His words were quiet this time. "Do you worship your comfort more than you worship Me?" My heart was cut to the quick, and with sobs coming from my soul I began to sing the song I knew so well; "Praise God from whom all blessings flow, praise Him all creatures here below, praise Him above ye heavenly hosts, Praise Father, Son, and Holy Ghost, Amen"

Rebuilding
From that moment forward things began to change. Big changes and little changes and over the course of the next few years our lives improved. Yes, there was still hardship and penny pinching. And, not only did we learn how to build a fire, plant a garden, and raise a steer but more importantly I learned that we can prosper and improve from wherever we are.

I came to understand that by building my life on consumerism and debt spending I had erected a house of cards that was just waiting for a strong wind to blow it all down. I learned that living life on the installment plan or counting on today's income to go on tomorrow was a recipe for disaster. And, I knew just as certainly that the same fate would come upon the country as a whole at some point in my lifetime.

During this period of rebuilding many of my life long dreams were able to be fulfilled as I had the opportunity to work with flowers, home remodeling, ornamental birds and horses. All the while I was accompanied by my dogs who were my constant companions.

The Goal of In The Trenches
The mission of In The Trenches is to reach out and show people that financial hardship can be the beginning of the most amazing journey a person can fathom. In it we are challenged to learn who we are, what we can do, and to set our sites on where we want to go. We can learn what is important and what is not. The strategy begins with a basic financial assessment and although it seems to be about money it is really about life. Though the process of evaluating our goals, choices, and plans we not only survive but we are finally able to thrive.

It is the goal of In The Trenches to reach 1 million people and assist them through the personal challenge of enduring and adjusting to a time of unemployment, for the single mother struggling on her own, to give ideas to those who are sick and tired of being on welfare, or just want our hard earned dollars to stretch further. The book is not about telling people what to do. The challenge is to encourage one another to rise up from our own despair and financial misconceptions and realize we, have choices, options, and personal power.

My next steps
In The Trenches - Financial Survival During Times of Hardship is still available on Amazon.com and other online outlets. In the next few months I hope to add a Kindle version as well. But, I do not want cost to be a factor for anyone who would find even one paragraph of the book to be helpful so this free version may be printed directly at your computer printer or viewed online. I will be sending an email announcement to our subscribers so that it can be easily passed on and also contacting some other bloggers and asking them to link and spread the word.

This year brings new opportunities and challenges for me and I will be entering a new season of my own life. One thing I hope to be able to do is "hit the streets" with the book so that I can meet people face to face.

Finally, this will be my last official blog post for a while. I will be taking a break from posting but will leave the site open for those to obtain the free link and to read old posts. One of the best things about this process for me has been hearing your comments and the discovery of the many wonderful financial blogs. I hope you will continue to read and move forward in your financial plans with them.

Thank you!
I have appreciated your readership so very much. I have tried to imagine where you are, who you are, and what challenges you might be facing at any given time. I hope I have been a good friend along the journey you have been taking for that was my desire. Though the times have been difficult I know that we are stronger and wiser than when we began.

May you have a happy and successful new year. May God bless and Shalom.

In The Trenches - Financial Survival During Times of Hardship by Carol Schultz

Early Retirement Extreme - Book Review

2010-12-27T19:00:00.000-08:00

Where do you want to be in five years? If making dramatic improvements to your finances is one of your New Year's Resolutions start here. I had anxiously awaited my copy of Early Retirement Extreme written by Jacob Lund Fisker and was not disappointed! Jacob is also the author of a successful blog by the same name and has developed a growing number of readers worldwide where forums and cell groups have begun and are taking hold. It is the wave movement taking hold across the land and for good reason. Amazon readers give Early Retirement Extreme a five star rating and sales are doing great for this first time author. Where else can a person read and find support for frugal, green, and healthy living and set a course for retiring in five years all at the same time? Jacob shows how these principles can be applied with tremendous success even on a minimum wage job.

If you have read any of Jacob's writing you know that just when you are fully concentrating to understand what he is saying he cracks an unexpected joke that gets you laughing. Rather than attempt to recount the book chapter by chapter which you can do on your own I have decided to highlight some of my favorite parts:

The Consumer Dungeon - If you have not taken the time to consider the downside of the consumer driven economy in which we live Jacob has written a graphic, disturbing account that reads like the beginning of a dramatic movie. Men especially will appreciate the details that seem to come out of a end of the world future movie that is happening all around us. In fact, the entire book could be made into a movie recounting one man's journey to freedom and his willingness to show others the way.

The Four Economic Quadrants - Lifestyles are categorized as the salary, working man, business man, and renaissance man. Having had the opportunity to live in each one and move throughout during different periods of time I know that the descriptions of each and the pros and cons are straight forward and accurate. By recognition and acknowledgement a person is much more able to maneuver the direction they want to go without succumbing to the unconscious influences that would keep them from their goals.

Goals, Strategies, and Tactics - Why do our goals fail or take so long? Often it is because we do not take into account the opposing or conflicting factors either in our own lives or surrounding circumstances. Jacobs goal building charts show how to integrate our lives and daily habits in a way that will provide congruency and ultimate success. More importantly is by taking a few minutes charting things out it not only finds a solution but the BEST solution when reviewing multiple options.

The Renaissance Man- Wouldn't you just like to be YOURSELF? Sometimes does it get difficult to even know who this is when we conform, fractionalize our lives, keep up with the Jones, and spend all our money to comply with a certain lifestyle, profession, or tax structure? It is no wonder that people have what is termed "A Midlife Crisis", or turn to t.v., weekend partying, or shopping to numb the mind. We are so busy that it is easy to lose our own sense of identity. In becoming a Renaissance person we are able to rediscover the curiosity and mastery we had as a child when we took apart the radio or dreamed of becoming a cowboy. The difference is that now as adults we can combine our dreams with skills, talents, plans, and knowledge that we did not earlier possess. Though it sounds idealistic the process is extremely practical and through the changes we gain the time and money to pursue who we are after the fashion of Jonathan Livingston Seagull.

The Practical Side of Life - Detailed chapters to help you consider housing, clothing, food, and transportation choices are provided. Another gem in this is section is the answer to the question that every person from Washington State wants to know, "Do you get more rain on you when you walk or run?"

Investing - I admit that algebra was my all time worst subject. When I first saw the equations my eyes glazed and my mind when blank. But as I continued to read I was excited to see that investment strategies were provided not as a specific "how to" but as a set of principles that could be applied whether you choose to invest in stocks, gold, timber, or real estate.

There is no doubt that Jacob Lund Fisker is an extremely intelligent, educated, and analytical person and for these reasons his writing may be somewhat intimidating at times because it compels us to look at and think about much we have taken for granted. What is rare about Jacob is that he is able to take this information and break it down to it's simplest form and find methods that are ultimately practical and so full of common sense that they can be applied with success by anyone regardless of profession, education, social status, advantage, or lack of them.

The ERE Strategy is intended to be a comprehensive adjustment that will enable a person to retire in five years. For those who are not ready to jump in for the entire lifestyle change a modified version can be adopted that will shave years off the time needed to pay off mortgages, debt, build retirement funds, or provide the flexibility for the ups and downs in life.

As we start the new year following what has been one of the most difficult economic times in American history Early Retirement Extreme provides a method for the fast track to recovery and prosperity. The book will pay for itself thousands of times over and can undoubtedly be the best investment for the new year. I'm excited as I watch the principles gain popularity and momentum and recommend this book as one of the best New Years Resolutions a person can have and look forward to seeing the title on the best seller's list.

Christmas Cards

2010-12-19T22:00:00.000-08:00

I love Christmas Cards! Throughout the year our mailboxes are mostly filled with business correspondence, advertisements, and bills. Only two weeks are filled with greetings from friends, relatives that we may only keep in touch with once a year, and letters and photos describing the events of the past year. Houses are purchased and sold, people move and pass away, and babies are born. As we look at the family photos we remember how quickly time is passing.

When I was growing up all the cards would be taped to the front and hall closet door and as a child I would ooohhh and awe over the pretty cards of the nativity scene, deer, snowy country churches, and candy canes. It helped remind us what Christmas was all about and keep the consumerism and gifts in perspective without dominating the holiday.

But, every year I end up scrambling at the last minute. I just don't understand it, somehow the clock between December 1st and the 25th seems to tick at a faster pace. Maybe it is the bad weather, the dark days, the extra running around, and the sniffles. Every Thanksgiving I set my resolve and every year I'm still addressing the week before Christmas, or worse, it gets so late that I abandon the idea for another year.

I know that many face the same challenge and have gone to e-cards and other online methods to communicate and these ways also save money. Nothing against them for I appreciate those also but I still appreciate and miss my good old fashioned Christmas Cards.

There is still time. If the card is late you can blame it on the post office. I was able to find a box of cards at the dollar store for $1. Even with the postage it is still an economical and cheerful way to remind people we love them and are thinking about them. I have actually rationalized that if I get them mailed by New Years I'm okay.

For those of you on-line I want to take a moment to wish a wonderful and Merry Christmas to you and your family!

Photo from Google.

Small Business Roundup 3

2010-12-16T22:00:00.000-08:00

With over 2 million still receiving extensions on unemployment the need to consider alternatives to the 9 to 5 work week is not only an option but a necessity. Just because a person does not have a job does not mean that they do not have marketable skills. In an on-going effort to provide information about home-based business and self-employment here is the third roundup of articles from some really great blogs. Success is not usually achieved through luck but through hard work, innovation, and creativity. If you have come across a helpful small business post please feel free to email me for inclusion in the next roundup or put the link in the comments.

And, in my usual travels this week I was actually seeing HELP WANTED signs posted at a number of business, so don't give up, get out there.

http://eliminatethemuda.com/2010/12/how-to-start-a-side-business-while-working-full-time/

http://www.thesimpledollar.com/2010/01/30/the-side-business-question-what-is-your-time-worth/

http://savingmoneytoday.net/2010/building-multiple-streams-of-income/

http://billeater.com/tips/incorporate-llc-s-corp-or-c-corp

10 Great Christmas Gifts That Won't Cost You a Dime!

2010-12-15T22:00:00.000-08:00

Yahoo! Finance - Financially Fit

With Christmas getting so near the wallet may be getting thinner. Instead of pulling out the plastic here are some ideas to get the gears going to think of your own meaningful gifts that cost no money. My favorite on the list was the cooking, yes, it admit my favorite lasagna recipe is not free but still could save from buying a gift. I don't know about you but it sounds pretty fun to have a friend deliver a home cooked meal. And, what a surprise.

It's not too late to start many projects. Creativity and your own talents and skills are your biggest asset.

Rabbit Ears Perk Up for Free HDTV - Yahoo! Finance

2010-12-13T22:00:00.000-08:00

Rabbit Ears Perk Up for Free HDTV - Yahoo! Finance

Does this still work? I thought they had revamped the t.v. so that rabbit ears no longer could get any reception? Is anybody using this?

When we lived in the country we had an antenna that was about 30 feet tall and we got only 5 channels. But, they were the good channels and didn't miss our favorite shows.

My Dirt Garden

2010-12-12T22:00:00.000-08:00

When we first moved to Winlock, Washington we lived in a 100 year old home that at first had no running water.
Details of this experience are written about In The Trenches - Financial Survival During Times of Hardship. In the spring we were able to rebuild the box that housed the gravity flow spring so were able to have a very limited amount of water with pressure so low that most would consider it still as having no water but we could then flush the toilet, do a load of laundry (4 hours), and run a bath (45 minutes). Just don't flush a toilet while someone was taking their drizzling shower or they were done, you might as well step out dry yourself off and get going because there would be no more water for a while. I think to this day that most of my family still makes the announcement "I'm getting in the shower now" to anybody that is within earshot. It is still important that everyone in the house knows and old self-preservation habits die hard. Despite the quantity of the water it was the best tasting water in the world. It would compare to any of the finest spring water that money can buy and sparkled when in the glass.

Amidst these water conditions I wanted a garden: flower gardens and vegetable gardens. So I began digging. All around the house I dug flower beds that were a minimum of two feet wide and one foot deep. When I finished with that I dug a garden whose circumference was approximately six feet around an old cherry tree stump that had blown down the first year we lived there. A friend brought over a tractor and roto-tiller and plowed a space 10 by 20 for vegetables.

I had more rocks than any person would know what to do with so I began taking them out of the garden spaces in five gallon buckets and putting them around the base of a tall pine tree. I worked and worked to get the ground soft and breakable within my fingers. My shovel, a garden fork with a broken handle, and arm muscles were my tools. When the clay mixed dirt was as loose as potting soil I raked and smoothed it to perfection.

Planting time came and no money for plants. Thankfully garden seeds don't cost a lot so I was able to squeeze my budget that first year for around $5. The vegetable garden had rows and rows of lettuce, beans, beets, and other garden seeds. To water I would put the hose in a garbage can and wait for 20 minutes to half hour for it to fill and would then use a coffee can to water the individual plants without wasting a drop.

Our fields were full of wild daffodils so I went out and dug up almost 100 bulbs to plant around the old stump. A friend brought over a few starts for the garden around the house but with almost 200 or more square feet of garden they didn't go very far.

My digging had unearthed some old long dormant seeds and iris bulbs that sprouted into action feeling the freedom from their clay packed soil. A trumpet vine also took hold and began to make an arch around the back door. The photo on the left gives an idea of the type of plant though mine went over the doorway and was a congregational spot for hummingbirds. A hydrangea that must have been over 50 years budded out and began to grow. I had also spotted some old time wild roses by the road where the original mailbox would have been and dug them up and planted them in a row. I would be remiss if I didn't mention the huge and beautiful quince tree that had blue bells planted underneath. These were the gifts left to me by the former owners who had long since passed away.

Most of my friends also like to garden and when we visited one another we would take the tour and walk around one another's house and admire and compliment them on the hard work they had done. My flower gardens affectionately became known as "The Dirt Garden" because I had nothing yet to plant in them that first few years.

Every year I was outside at the first sign of spring and began my digging. But since it took quite some time to make any real economic changes in my life there was still little money for plants. By the second year I had purchased a push mower with a self-propeller and was mowing two acres. When I still had extra energy I would take the mower in the field and mow around the fence line to help reduce the thistles. Earlier in the year I had already pruned the apple trees from which I made more applesauce than anyone could eat and I have learned much about life and it's seasons.

I had been in Winlock almost 8 years and slow progress was being made when the most amazing thing happened. I was able to obtain a position at a local company who was a wholesale distributor to Lowes, Home Depot, Walmart, and many other stores. The product? Plants and flowers!

I worked in the office, I worked in the green houses, and I loved my job! And, can you guess what the fringe benefit was? I got to bring home any of the plants that had not sold and were going to be dumped! My home now had twenty hanging baskets at any given time. After the daffodils had died down I was able to fill the garden with petunias and then flats of chrysanthemums. One of my favorites was a Mr. Lincoln rose given by a dear friend. Under the pine tree the rock garden was now filled with potted fuchsias. I would bring home as much as I could and wake at 4am and start digging and planting. My gardens were overflowing with impatiens, begonias, marigolds, and all the plants you can imagine. I wish I still had the pictures to be able to show you.

The moral to the story? I guess there could be many but to me there is one: God is good.

Photos from google

Recycling Roundup

2010-12-09T22:00:00.000-08:00

People have many different ideas of what recycling means. To some it is separating glass, cans, and newspapers for the bins and for others it is being more aware of the trash potential of a product before it is ever purchased. Personally I am excited and encouraged by the renewed awareness and interest in all things GREEN. Learning to be stewards instead of consumers promotes a better life for those that will follow after. Just like no one likes to pick up the trash of another so we don't want to leave it for our children.

Hope you enjoy the round up and take the time to be introduced to these other informative blogs. The first part is the blog name and the second is the title of the article.

http://ultimatemoneyblog.com/should-you-keep-it-if-you-can-store-it

http://www.frugalconfessions.com/consumerism/recyclebank-the-creation-of-a-black-market-for-trash.php

http://earlyretirementextreme.com/how-to-get-a-solid-desk-for-free-opportunity-doesnt-last.html

http://inthetrenches2009.blogspot.com/2010/03/in-trenches-recycling.html

A Beggars Purse - Book Review

2010-12-07T22:00:00.000-08:00

The small town where we lived has many freight trains passing through daily. Often we would be waiting at the tracks and watch the hobo's as they whizzed by. It was always a great mystery and curiosity for the kids and their imaginations ran wild as they tried to figure out who these men were, where they came from, and where they were going. There was a moment of excitement every time a hobo was spotted through a doorway amidst the fast moving, loud, and clanking cars.

Toni Nelson was raised in a similar town in the 50s and her grandparents home became a safe house where travellers passing through could have a meal on their journey. The hobos had placed a secret code on the house to identify it as such to others and her grandma prepared a huge meal each morning to serve the guests that might drop in that day. They would eat their meal on the porch and continue on their way with a simple "thank you".

I especially enjoyed seeing the world though Toni's childhood eyes as she reminisces about a simpler and quieter time where bikes were the mode of transportation for kids and hours could be spent catching frogs. The story is written as one friend sharing their experiences with another and would be a wonderful book to read on a winter evening with a crackling fire and cup of cocoa.

The impact of her childhood experiences carried into adulthood as she continues to reach out with a smile and something to eat for the homeless and hobos she and her husband meet throughout their normal daily activities. Her attitude and approach is one of compassion coupled with practically. Toni does not come across as a crusader trying to change the world but rather a kind person who does not look past those that others might be tempted to turn away from.

Recently we are seeing more people on the streets and I have read a few blog posts on other sites about dealing with the modern hobos of our time under whatever name they might be referred to. I encourage all who have thought about this situation to read Toni's book. I had the opportunity to meet her a month or so ago and her warm smile is the first thing a person would notice. She recently has worked to encourage others with a sock drive and passing out a lunch sack with each book sale. You can find Toni and her book at her blog and on facebook. If you ever have the opportunity to meet Toni expect that she will give you a big hug.

Smiles are free

2010-12-05T22:00:00.000-08:00

"Be all you can be"

"Just do it"

"Follow your dreams"

"Go for it"

We set out full of optimism, enthusiasm, and purpose. But then at some point LIFE just gets in the way! We get kicked in the butt, the gut, and we find ourselves knocked out and on the ground. We look around and others seem to be doing just fine so we wonder what's wrong with us? Life's unfair - car accidents, health problems, job loss or even our dog throwing up on the carpet can throw us into a mood of despair, disillusionment, discouragement, grief, or feelings of failure.

It is at these times that the choices we make are critical. Will we go on, give up, or yell at those around us?

I had one of those mornings and they are no fun. We all have them because this life has lots of trouble. There is an old song: "I beg your pardon, I never promised you a rose garden, along with the sunshine there's got to be a little rain sometimes..."

So if you are feeling this way today we'll just pick ourselves up, dust ourselves off and keep going. We won't yell at the kids or our spouse because they probably don't deserve it and even if they do there are better ways to handle it.

Smile at 10 people today. It will make you feel better and everybody else around you. Smiles are free and they bless the giver and the receiver. Sometimes it comes easy and sometimes it takes effort but everyday is a better day when we smile. Try it and you'll see what I'm talking about. Top Ten Reasons to Smile.

Celebrity Bargain Hunters on Shine

2010-12-03T21:04:00.000-08:00

Celebrity Bargain Hunters on Shine

Just for fun, here's some of the famous people hitting the streets wearing bargain clothes.

Getting ready for winter

2010-12-02T22:00:00.000-08:00

The rural community where I lived for many years has many homes whose average age is 60 or more years old. Many of these homes were built with below ground basements that served as the foundation of the home. They are unfinished and usually quite dark with just the small windows at the base of the home and one overhead exposed light bulb. They are not considered as living space but rather a place to house a wood burning stove, canned goods, camping equipment, or freezers. They are often susceptible to flooding in the winter. Needless to say there is not a lot of quality time spent in these basements. An occasional trip up and down the stairs to retrieve an item is the extent of their occupancy so often the basement may have no visitors for long periods of time.

A friend recently shared with me the story of another friend who made the journey down the stairs only to find that it had been completely taken over as a storage area for the squirrels. Imagine her surprise when she came down the stairs and in my friends words "every pine cone in the county" had been deposited in this ladies basement.

Can you imagine! We laughed so hard at this poor ladies dilemma!

And yet I had to admire the work ethic of the squirrels and their foresight in planning for the future. Somehow they realized that winter was coming, the harvest was in, and without spending a dime they labored to prepare. They were able to see the opportunity and take advantage of it. Of course they had to have assumed that the homeowner would see the benefits of the plan and have no objections.

How much we can learn from the ways of the others around us? Their life of simplicity and hard work creates the environment for abundant success and provision for the future.

Photos from Google.

Reader Tips for Winter Driving

2010-12-01T22:00:00.012-08:00

Thank you so much for sharing these ideas that are all new to me and make use of products most people have around the house that cost a fraction of the price of their name brand counterparts!

Helpful Hints For Winter

Keep your headlights clear with car wax! Just wipe ordinary car wax on your headlights. It contains special water repellents that will prevent that messy mixture from accumulating on your lights - lasts 6 weeks.

Squeak-proof your wipers with rubbing alcohol! Wipe the wipers with a cloth saturated with rubbing alcohol or ammonia. This one trick can make badly streaking & squeaking wipers change to near perfect silence & clarity.

(Yes Rubbing Alcohol... don't waste good whiskey on your wipers!)

Ice-proof your windows with vinegar! Frost on it's way? Just fill a spray bottle with three parts vinegar to one part water & spritz it on all your windows at night. In the morning, they'll be clear of icy mess. Vinegar contains acetic acid, which raises the melting point of water---preventing water from freezing!

Prevent car doors from freezing shut with cooking spray! Spritz cooking oil on the rubber seals around car doors & rub it in with a paper towel. The cooking spray prevents water from melting into the rubber, and it won't breakdown the rubber like WD-40 might do.

Fog-proof your windshield with shaving cream! Spray some shaving cream on the inside of your windshield & wipe if off with paper towels. Shaving cream has many of the same ingredients found in commercial defoggers.

De-ice your lock in seconds with hand sanitizer! Just put some hand sanitizer gel on the key & the lock & the problems solved!

7 Towns Where Land is Free - Yahoo! Real Estate

2010-12-01T06:15:00.000-08:00

7 Towns Where Land is Free - Yahoo! Real Estate

What an amazing article!

I have often thought of the former government development and assistance program of "40 acres and a mule" and wondered how modern Americans would receive such a plan. I mentioned in my book about the 100+ year old homestead I found myself living in and have always suspected that the old chicken house was what they originally lived in while they built the home.

What would you do with an undeveloped piece of land and your bare hands? Interesting prospect to consider.

Healthy Finances

2010-11-30T22:00:00.000-08:00

If we were to contemplate healthy finances what might that look like?
Food on the table
Bills paid on time
Reserve in the bank

Conversely what would sick finances look like? At the end of the post I hope you will consider your own finances and decide: Are they healthy?, Have a cold?, in ICU?, or, on life support? Knowing the answer will help you view your situation more objectively and possibly make some adjustments in your way of dealing with the choices and attitudes available.

Switching gears for a minute let's think about health in the physical aspects. What is a healthy person?
One who can meet their own needs who can walk, dress, dial a phone, cook their own meals, etc. If you have ever filled out a disability form all these things are listed and to the extent that we have to rely on others for our basic needs is the extent of the disability. For some it is temporary caused by illness, accident, injury, or lifestyle, and to some it may now be a permanent condition.

Taking this scenario a step further, imagine yourself in the hospital. Your life is confined to a bed. Assistance is given for all basic needs including bathing, eating, and basic hygiene. Regular responsibilities are set aside for a time. Possibly jello or liquids are your only meals and pain medication is administered until you are able to heal and begin taking steps to health and wholeness.

I'm sure everyone has either been in this situation at one time or visited those who have been. For most, even the extreme need to be in the hospital has the goal of getting us back on our feet, restore us to health, and enable us to resume living our own lives with minimal assistance to the degree possible. It may take a number of steps along the way to accomplish this: from ICU, to regular care, to rehab, to outpatient home health care. Each step of the way has the progressive goal of greater health and independence. Professionals assist us every step of the way but we have to cooperate and play a part in this healing. When they say "rest" we rest and when they say "do these exercises three times a day" we do them. If we don't our healing is delayed or may not occur at all. It may be extremely difficult but when our goal is health we take those directions one step at a time even if we have to grit our teeth to progress. If we lag behind or push ahead too quickly there may be a price to pay in added pain and suffering.

During this process friends and family encourage us and may provide additional help and care. What a blessing and comfort this is and not to be taken for granted in any way.

In the end hopefully we will be back on our feet sometimes completely and sometimes with future limitations and restrictions. Then the doctor bills begin pouring in. This too is part of the price of our healing and can often be difficult and require additional sacrifices and stress but it is all part of the process.

This is the extreme example of health issues and there are degrees all along the way from a cold that needs a couple days of rest, to ongoing allergy treatments, or a pair of glasses to improve our vision. From the smallest to the greatest our physical health has an effect on our day to day living.

Financial health has many of the same degrees and levels of wellness and many of the same parallels exist. There are those that are healthy and robust and there are those who need intensive care. Just as it is the goal of the medical profession to assist people to a full recovery or at least the best possible care for the situation so it should be our goal to be in the best possible financial health requiring the least amount of care from others be it loans from financial institutions to receiving support from other taxpayers.

This may require eating jello for a while (limited consumption) , intensive rehab (job training, and education), and paying the doctor bills (paying off debt and getting off public assistance programs) but all these things are necessary to become financially healthy to the best of our ability. Just like a hospital would not allow someone to stay indefinitely just because they did not want to do the therapy neither should we allow ourselves to stay beyond our ability to give 100%. We should expect the same from others. Personal finances are called such because they are something that we must ultimately take personal responsibility.

Today I contemplate my own personal financial health and know that I still have much to do. How about you? Are you financially healthy? What are your symptoms? Just like in the health example not everyone will be able to achieve the same degree of health so too we will not all reach the same degree of financial health. Some may need ongoing care but are we giving it our 100% and following the advice of those who are trying to assist? As readers of financial blogs I believe you are making efforts and want to move forward. We want to move forward. We want to be financially healthy. We want our nation to be healthy. So keep working your program and encourage those who are and expect others to do the same.

Photos from Google

easy-ways-to-ruin-your-retirement: Personal Finance News from Yahoo! Finance

2010-11-29T22:00:00.000-08:00

easy-ways-to-ruin-your-retirement: Personal Finance News from Yahoo! Finance

I think most people are rethinking their retirement strategies and checking to make sure they have enough. Planning is far superior to fear.

Another opportunity to remind people about the book Early Retirement Extreme by Jacob Lund Fisker. I'm in the middle of reading it now and loving it. Will post the review in the future.

If you come across any good articles about rethinking retirement please post them in the comments or email me the link at inthetrenches at live.com .

Kernel Season's

2010-11-28T17:14:00.000-08:00

Have you heard of Kernel Season's? It's a line of seasonings that was developed by a college student who was looking for ways to spice up his popcorn. Soon friends wanted to try his flavors and the company was born. His line of seasonings is now sold to movie theaters, on-line and in big name stores like Walmart. They can also be found in some discount stores as we recently found a gift pack at Big Lots.

Why feature it on In The Trenches?

1. The entire concept and development of the company is an A1 story of entrepreneurial success. I hope you will read the story of the man and his company and be inspired at how a little idea can be a big idea in disguise. Read the story directly from the pop masters mouth while you browse all the unique flavors and spices available.

2. Save money. These seasonings can save you money on toppings for popcorn, vegetables, garlic bread, and provide variety to almost any meal with just a shake of a bottle.

3. Get healthy. Many of his combinations satisfy a sweet tooth while minimizing negative effects of regular treats. A friend of mine who is a diabetic was extremely excited about the varieties available to her that met her diet requirements. The same is true for those looking to cut down on the use of salt while still having tasty foods. Read specific labels when making your choices. Chips and other snacks can be replaced with the healthier choice of seasoned popcorn. Nutritional information is right on the site.

4. Lose weight. I first heard about this product from a woman who gives credit and high praise to Kernel Season's her dramatic weight loss. She replaced many dips and other toppings with these seasonings cutting back calories dramatically and still being able to enjoy her food. Ranch powder was her favorite and she was able to use is on raw vegetables, salads, and in place of other toppings on baked potatoes. Popcorn with various choices of toppings replaced all high calorie desserts and the pounds fell away.

And, check out the flavors:

Butter
Carmel
Kettle corn
Nacho Cheddar
Parmesan & Garlic
Ranch
Sour Cream & Onion
White Cheddar
Jalapeno
Barbecue
Cajun
Apple Cinnamon
Chocolate Marshmallow
Chili Lime

Salt & Vinegar

Bagels with cream cheese and any of the seasonings come to mind for breakfast. Sounds good, doesn't it?

Book Review - The Housing Boom and Bust

2010-11-26T22:00:00.000-08:00

The Housing Boom And Bust by Thomas Sowell

A friend recommended this book because she felt it had a unique perspective on the housing crisis. In that I have to agree. The author has removed most of the accountability for the the housing crisis from the banking industry and placed it on the politicians and their agendas spanning back for more than 20 years. Although I don't agree with this overall conclusion I do think that he did an excellent job at gathering statistics and building his case. He also sited specific times that warnings of the pending crisis went unheeded and were even covered up. For this reason I felt it was a valuable read to fill in some of the blanks. The contents include:

The Economics of the Housing Boom
The Politics of the Housing Boom
The Housing Bust
Housing Mystiques and Housing Mistakes
The Past and the Future

The author focuses on the impact of open space and land use restriction laws on housing prices. This I felt was very informative as it has been a topic of heated debate in the rural area I lived. His argument that government control of private land use ultimately raises prices was a point well taken. Much of his discussion focuses on the California area where prices sky rocketed making them unaffordable to the average person.

His second point was that the government intervention in demanding "affordable" housing was what resulted in the high risk and variable interest rate loans and he believes that this government action was forced upon the banks to their own demise. Though I found his argument interesting and his finger pointing intriguing I just don't buy it because bankers as the financial experts were the ones in a better position to provide reasonable options for meeting the stated goals. There is too much evidence that shows that the grab and greed was going on and therefore cannot be ignored. What I did come away with was the idea that maybe it was time for mandatory term limits for all political offices and to vote out ALL incumbent politicians who were in power during the development of the housing crisis and subsequent economic crisis.

Thomas Sowell has taught economics at Cornell, UCLA, Amherst and other academic institutions....He is currently a scholar in residence at the Hoover Institution, Stanford University. He has published in both academic journals and in such popular media as the Wall Street Journal, Forbes magazine and Fortune, and writes a syndicated column that appears in newspapers across the country. (from the back cover)

Needless to say, he has great credentials and his perspectives were very interesting to consider.

Dr. Sowell also addresses the question of racial discrimination in lending practices, and the influence of the federal reserve bank. His discussion of Fanny Mae and Freddie Mac was extremely interesting as a major player in the crisis.

Overall I think The Housing Boom and Bust provides good supplementary reading to those interested in the hows and whys of the housing crisis. The discussions of land restrictions, government policy, and the secondary markets and their influence are important to understand at the local and national levels. This I think brings the greatest value to the book especially to those interested or involved in local politics and how they effect our daily lives.

Throughout the book the author made statements that I felt were profound and insightful and showed his mastery of communicating ideas for consideration. I would like to close with a quote from page 119 "Government actions cannot be discussed as if government is simply the public interest personified. Government actions are political actions, and nowhere more so than in a democracy. The time horizon of elected officials is all too often bounded by the next election. Quick fixes are one result. Nor is this something new or peculiar to American politics. Writing in Britain back in 1776, Adam Smith referred to "that insidious and crafty animal, vulgarly called a statesman or politician, whose councils are directed by the momentary fluctuations of affairs." Many of the "problems" which politicians set out to "solve," are bad consequences of previous quick-fix "solutions"created by the same politicians ...."

Shopping Mania Roundup

2010-11-25T19:15:00.000-08:00

Black Friday! The buzz is on and people across the country are making plans to get out there and shop until they drop! I would be lying if I didn't admit that we women are making plans to go to bed early to get in line before the crack of dawn. The retailers are counting on it and the news says that sales are already 10% over what they were at this time last year.

It's fun. It's exciting. I admit we are also looking at the ads to figure how to get out and get some of the things on our list at greatly reduced prices. Walmart is on 4 blocks away. I could walk there and not even wake anybody up. I've been needing a new laptop and they have one for only $200!

So tempting! And, if you are planning to buy it anyway why not have the fun of finding the great deal. So, I'm not going to deter you. That would just be impossible, like telling a teenage girl not to look at boys, it's just not going to happen. But, at some point you may experience that feeling of shoppers remorse where you know you've just taken it a little too far. Either by going over budget, into debt, or just gotten a great deal on something you absolutely don't need. I know, it feels kind of like a hangover.

So before you hit the stores here are some good articles to help you get the best deals while still keeping your budget in mind. Remember that you are walking into spending landmine territory. Be safe, be careful, and have fun!

http://www.getrichslowly.org/blog/2010/10/06/bargain-shopping-gone-berserk/

http://www.moneyfunk.net/finances/emotional-spending/

http://theadventurouswriter.com/blog/how-to-stop-emotional-spending-and-overcome-a-shopping-addiction/

Meet the 'Cheapest Man Alive': Edward Wedbush - It's Your Money - TIME.com

2010-11-22T22:00:00.000-08:00

A reader wanted to share this story with us all. Hope you enjoy it.

Meet the 'Cheapest Man Alive': Edward Wedbush - It's Your Money - TIME.com

So what do you think? Is this man a little off? Is he making a point? How can a person this rich and successful still have a leaky roof? You won't believe his story.

Brrr....It's cold!

2010-11-21T22:00:00.000-08:00

Winter is here and the temperatures are dropping! The snow is already falling in some parts of the country and here the wind is cold and brisk. Is brisk a strong enough word to indicate that you want to pull you coat tight and you can feel the car blowing? Everyone who knows me knows that I hate winter! I have learned to deal with it much better over the years by enjoying inside activities but my heart still cries out "Oh, No! Not again!" each time the thermometer drops and I know it's getting close. I live in a state of denial most of the year pretending that I won't ever have to see snow again and renew my goal to become a snowbird. I know it's an extreme position to take but that's just how I feel and have since I was a kid when asked if I wanted to play in the snow. Uhhh, no.

When one of my son's took up skiing I was so proud that he was able to overcome the family anti-snow syndrome and represent us on the slopes. And, driving in the snow? My family can tell stories of my hysterical shaking until I gave up and learned to carpool with others. The Volvo helped a lot at least to get me home on the first snow day when I would leave it parked until the snow melted. Can anyone out there relate?

Through it all I learned a few things to help keep as warm as possible. Some are going to seem very obvious but I'm listing them because I have seen many who still get caught off guard so these may be a reminder of what you already know. Many items can be added to your Christmas list for those in the family or in need. The list is not intended to cover all situations and extra precautions should be taken when traveling in cold weather. The list below mainly is for keeping warm at home while trying to keep the energy costs as low as possible. This is the "What would my Mom tell me list". She was the practical one of the family.

Dress warmly. This seems obvious but I have seen so many walking around their homes in the dead of winter with nothing on but shorts and a t shirt. Sweaters, afghans, and my favorite, the fluffy bathrobe with slippers all work. It is not unusual for me to answer the door in my bathrobe in the winter. People have wondered if I ever get dressed, but no, my clothes are under the robe. The old name for them was housecoat so I use them as such. Just whip them off and you're good to go.
Eat a hot meal. Nothing warms a cold person faster than a bowl of chili, soup, or stew. At snack time oatmeal and cocoa take the chill off.
Cover your windows. Thermal drapes help to keep the cold out and the heat in. If they are beyond your price range plain colored sheets and blankets not on the street side of the house can also help. I know, it's not attractive but people need to do what they can do.
Use the fireplace or woodstove if your area allows. There is something about a warm fire that keeps the home warm and cozy but remember to check the chimney before using and make sure it is free from creosote or birds and bee nests.
Close off parts of the house not in use. No need to heat what no one uses but do be aware of pipes and possible mold situations in wet climates. We closed off the kitchen and spare bedroom each night and warmed them again in the morning.
Space heaters. These have come a long way over the years and can help keep a smaller space warm without trying to raise the temperature of the entire house.
Electric blankets. Dual controls make them nice even for couples with different temperature preferences.
Flannel pajamas and long gowns. I can't say enough good about this wonderful fabric and if you are still looking for Christmas ideas these can be good gifts for people you know.
Take a hot bath. Another quick fix that helps take the chill off.
Bake something. Now is the time for all your home baked recipes. They take the chill off the house while the food is cooking. All those recipes we avoid in the summer we can now enjoy.
Carry warm clothes and a blanket and flashlight in the truck of your car. A important idea...just in case. Also, keep a pair of gloves in a purse.
Flannel sheets and extra blankets. I remember sleeping at my Grandmas house in the winter. There must have been six quilts on the bed and she used every usable scrap including jeans and wool to make them. It was so strange to be tucked into this extra thick, heavy bed, it must have weighed two pounds per square inch. But, I was warm and I slept good. If your kids are kicking off all the covers in the middle of winter the house may be too warm.
Winter shoes. Another one that seems obvious but a thick pair of socks and warm shoes may help you from doing the winter stamping shuffle.
Cover outside vents. At the base of most houses are vents to promote air circulation. Most houses are built to have them open in the summer but closed in the winter. This will keep the floor much warmer and is something often forgotten.
Weatherize and insulate pipes. Time to make a last minute check on pipes and doorways. Call your local PUD and ask if they have any winter savings programs. They will either laugh at you or tell you about a deal you might have missed. I once missed out of a $15,000 weatherization grant because I called two months too late! More often it may be rebate on weather stripping or other smaller project that you can do yourself.
Coats, gloves, scarfs. Scarfs can really help keep the chill off and are the easiest knitting project there is. This is still time before Christmas if you are so inclined.
Don't forget pets need lots of water in the cold weather.

Many of these ideas not only are a benefit to your own family but can give ideas for those in need. If you have any extra of the items listed that are in good condition call your school, church, or food bank to see if they are collecting or distributing these items. Stay warm.

Excerpt from In The Trenches - If kids were meant to fly.

2010-11-18T22:00:00.000-08:00

This is one of my favorite financial topics: teaching kids about money. They are so smart and so unencumbered by past mistakes that it is a joy to involve them in the process. Kids are pretty much a clean slate and what is written on that slate can influence the future and help them avoid all the trial and error we as parents have endured on the road of life. On with our story...

The easiest way to tell the story is to tell you about Joe and Michael. Joe couldn’t wait to grow up. His parents told him that they would buy him a car when he was 16. He counted the days. Finally it happened. A new car, insurance paid for, and they even kicked in some gas money. Joe spent the next two years hanging out with his friends waiting for the next milestone in his life, which was when he turned 18 and moved out.

Right after high school he got a job and was ready to make the move. Now that he had his own place he could have girls over and someone was always able to get some beer or whatever sounded good. It was one big party all the time. If he ran short on food or the rent some of his friends would pitch in because they were often over and crashed on the couch. By age 22, Joe had racked up credit card bills to the limit, had his car half way paid off, and no extra money in the bank. He met Candy and she started spending the night on a regular basis. When they found out she was pregnant she moved in permanently. They were so excited to have a baby coming along. The doctor said it was going to be a boy.

This is not a real person but a composite of many people I have met. Young adults who go off into the world unprepared, unskilled, and headed for trouble and headaches the rest of their lives. Is it surprising then that under the stress of this that the divorce rate soars and everyone is left for the worse for years to come? It may take until they are thirty or forty to recover and get back on track.

The next story is a true one of my own son Michael. I homeschooled Michael in the forth grade because I wanted to ensure that he got a good start. We did everything together. Unit pricing at the grocery store, working business deals, hammering nails, and managing the house. I would have him prepare a menu for a month, make a grocery list and off we would go shopping. His first business was raising rabbits. We worked to figure the expenses and we worked with a rabbit farmer in trade for the cages. We worked together to build the big shed that was to house the cages. He saved his money to get his first rabbits and we did all the paperwork to plan and manage his business and look at the profitability. The rabbit business ultimately did not make a profit and we sold the rabbits but we did succeed because he retained all these lessons.

At this time I began talking to him about a wife. Yes, a forth grader. I told him that someday he would want to marry but that he had to prepare so that he could provide for a wife. I told him it was the man’s job to provide the house and that he shouldn’t even start dating until he had a house because he might fall in love and he would not be ready and have nothing to offer. I reinforced these ideas over the years and although he didn’t do things exactly as I said, (what kid does?), he was listening.

As far as traditional structured school work we spent two hours a day in studies and incorporated the rest into our daily activities. He learned his fractions while we cooked and baked. From this he started a pie baking business. We studied Spanish and worked on memorizing the Declaration of Independence. When he took his required annual state tests he scored in the tenth to 12th grade level on all subjects.

The next two years he attended private school on a scholarship for low-income people. I was required to provide the transportation so I worked at McDonalds because it was the only job that would work with my schedule.

Don’t think we were rich during this time. I was a single mother of three children. My mother helped with the mortgage payment and economy and thrift was our way of life.When Michael was in the 8th grade we stayed at my mother’s for almost a year. The older kids had already moved out. There were more job opportunities in the bigger city for me at that time and I worked one full time job and a part-time job. I continued to keep and pay for my own home in the rural community. My goal was to get out of debt and return home. After one year my financial situation greatly improved and I did move home. I also remarried.

Michael decided that he would like to stay at my mother’s because he had already found a job with the city parks department and also an ice cream store. The decision was mutually agreeable to all so we did it. At age 16 he got a job at a bank as a teller under a training program. He worked full time in the summer and adjusted his school so he could work part-time while he finished high school and took a couple of early college classes. Don’t think that he didn’t have a social life. The weekends were go, go, go.

When he graduated he worked full time for the bank and joined the Army Reserve. All this time he stayed with my mother rent free and banked and invested all of his extra money. 000000At age 20, he bought his first house with two other guys with the plan that they would sell it in about 5 years. At age 21, he bought his first 4 unit apartment which I manage for him. At age 22, he is working on obtaining other investment properties.

He is also getting serious about dating and is ready when he finds the right girl. He drives a Mercedes SUV. He is active duty in the army and is a Realtor with whatever extra time he can make. The point of this long story I hope is clear. There is a different road. We don’t have to wait until they are 18 and boot them out to sink or swim. We can equip and prepare them for the inevitable task of providing for themselves and choosing a spouse. These things don’t just happen by magic.

We can teach them as much as we can and then hope and pray that they will use the tools we give them wisely. And, when I say hope and pray I do mean it literally.

You might also like this story from Get Rich Slowly - Capitalist Kids, Encouraging Young Entrepreneurs.