Jan 31

My old man has given me many excellent pieces of advice over the past 25 years… I guess that’s what a guy’s dad is for. The most recent advice was particularly good which was this little idea that works like magic!

I usually get, I kid you not, at least 4-5 credit offers in the mail PER DAY. Seriously, without exaggeration, 4-5 per day. I was beginning to wonder if I was going to burn my shredder up gettin rid of that crap. Well, there is a trick. Simply take the offer out of the envelope, write the following phrase on it: “No thanks, I do not use credit cards”, place the offer in the return envelope, and send that SOB right back to those damn vultures. (The postage is paid by them, remember.)

I have been doing this for a mere two months, and despite the fact that I have sent 6 of them back already to United Airlines, it has stemmed the tide! I am down to 2 or so per week from about 25 or 30. It’s awesome! I highly recommend this tactic, good work pap.

And for the record, the statement I write on those offers has been 100% true for the past 3 months. I have never in my life, not once, not paid my bill in full at the end of the month. However, I still don’t like the damn things because EVEN IF you pay it off every month, you still unequivocally spend more when paying with a card than with cash. Ask McDonalds… they started taking cards a couple years ago. Now why would a company with an average sale of $4 want to take cards and lose 2% of their sales to fees? Simple, their average sale went up almost 50% when people started using cards all the time.

That wasn’t the straw that broke the camel’s back tho. What did was when I got online one month a single DAY late to pay my bill and those assholes charged me $39 for a late fee. When I called and told them they were about to lose a $20,000 credit limit card over $39 they basically told me go ahead. The damn things are snakes. Play with snakes long enough and you WILL get bit, ask the Crocodile Hunter.

So, I no longer use credit cards. Period. I have a debit card for buying plane tickets and thats it. And… let me tell you, it feels absolutely fantastic. No bill every month wondering where the money went to is blissful, I highly recommend it.

I told Shannon one day… I have got to get my damn credit score DOWN. To have a great score, you must have debt. Thus, get the hell outta debt, pay no payments, get rich, and your credit score gets absolutely destroyed. I can’t wait for the day I can write a check for my new house but CAN’T qualify for a mortgage on it! So, my new personal financial motto is going to be… ON MY WAY TO ZERO!! Gotta a long way to go because of the simply horrific credit score I currently have (780) but what good is life without a goal?

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Jan 24

I feel that at a minimum, you must recognize this, the unofficial Libertarian response to the State of the Union from Steve Kubby (who is seeking the Libertarian 2008 presidential nomination) as at least interesting.

My fellow Americans,

Earlier this evening, America listened as President George W. Bush addressed a joint session of Congress, fulfilling his Constitutional duty to report annually to Congress on “the state of the union.” Shortly thereafter, Virginia Senator Jim Webb delivered the Democratic Party’s response to his report.

I am not privileged to address you tonight over broadcast televison or radio; my party’s opinions are considered unworthy of coverage by the “mainstream media.” A response, however, is required, and I accept the responsibility for making it as an American, a presidential candidate, and hopefully a worthy, although not official, representative of my party.

The union, President Bush tells us, is strong. And he may be right. What he does not admit is that the union is weaker now than when he took office.

As evidence for his claim of national strength, he cites an economy which thrives in spite of, not because of, the ministrations of his government … and proposes additional “help” of the type that weakens rather than strengthens it.

As proof of the bright future before us and the care which we take to leave our children a better world, he points to his “No Child Left Behind Act” — an act which props up a disintegrating public education system with more of the federal interference that, until only a few short years ago, his party had pledged to eliminate at the first opportunity.

Addressing himself to the question of national defense, he defends to the very last his failed experiments in foreign military adventurism which have stretched America’s armed forces to the breaking point, alienated our friends, empowered our enemies, and left us less, not more, secure against attack or invasion.

Turning to issues of energy independence and environmental sanity, he recommends more subsidies and more regulation, rather than smaller government and more innovation.

Like President Bush, I believe that the union is strong. Unlike President Bush, who attributes that strength to nebulous, undefined but government-enforced “courage, kindness and self-sacrifice,” I and my fellow Libertarians understand what really makes America strong.

We understand that every dollar in taxes taken out of your paycheck makes America weaker, and that every dollar left in your pocket makes America stronger.

We understand that one-size-fits-all federal programs — even Republican programs — for public education make America weaker, and that real parental control and real individual choice in education make America stronger.

We understand that “bring’em on” and “mission accomplished” and “surge” make America weaker, and that a foreign policy based on “friendship and commerce with all nations, entangling alliances with none” makes America stronger.

We understand that immigration has always made America stronger, and that “temporary guest worker” programs, fences and border militarization are poor substitutes for a truly open society in which peaceful people enjoy freedom to travel and to trade.

We understand that corporate welfare makes America weaker, even when it’s disguised as a tax cut “for health insurance,” and that getting government out of health care makes America stronger, more free — and more healthy.

We understand that government subsidies to Big Oil and Big Agriculture make America weaker, that unsubsidized competition makes America stronger — and that only the innovation fostered by a truly free market will allow us to meet the challenges of pollution, climate change and future fossil fuel scarcity.

The union is strong — not because of the efforts George W. Bush and his fellow politicians, but in spite of them. And in their clutches, America can only continue to become weaker … because the strength of our union, my fellow Americans, is freedom.

The notion that government exists only for the purpose of securing our rights to life, liberty and the pursuit of happiness, bequeathed us by our nation’s founders, is the foundation upon which every worthwhile American accomplishment rests. The Bush adminstration, the Congress, and their predecessors in the White House and on Capitol Hill, have gone at that foundation with a sledgehammer.

The cracks they’ve produced in that foundation are visible all around us. The Patriot Act. The Military Commissions Act. Warrantless searches and wiretaps. No-knock raids. Detention without charge, counsel or trial. As a nation, we now imprison more of our own than any other. One in thirty of us are trapped in a “justice” system that has long since ceased to represent justice. The rest of us are subject to reams of arbitrary and capricious edicts concerning what we may say, how we may worship, which political candidates we may support (and how much we do so financially), what arms we may carry in our own defense, what medicines we may use, even whether or not we can play cards on the Internet.

America as we know it — everything in it worthy of our devotion and allegiance — stands at the edge of cliff, below which the darkness of totalitarianism awaits. Whether or not our union is strong enough to step backward from the precipice is a question only time will answer.

Over the next two years, I’ll watch with you as the new Democratic Congress wrestles with the problem of restoring freedoms that a corrupt and lawless administration has robbed us of. If history is any guide, the Democrats will choose instead to go to work with their own sledgehammers.

In the meantime, I urge you to join with me in support of America’s last, best hope for a better tomorrow: The Libertarian Party. Even as we speak, hundreds of Libertarians toil in elected and appointed office or as volunteer party activists, working to protect your freedom. With your help, we can elect thousands of new local officials, hundreds of state legislators, dozens of US Representatives and Senators and, yes, a President, who understand what makes America strong and are prepared to act on that understanding.

Let freedom grow!
Steve Kubby
Libertarian for President

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Jan 21

Week 3 Results

General Comments Off

I have to say that this whole thing is definitely getting easier I have decided. I have had a habitual problem (or blessing, depending on the situation) in my life where I have a one-track mind that focuses on one thing, with “Gazelle intensity”, and right now that one track has been on losing weight and living cheap. I’m almost definitely getting overly cocky but I am going to go out on a limb and say that I don’t know why anyone thinks losing weight or getting ahead with money is hard.

A bunch of you are going to flame me for that last comment, I can hear it now: “You don’t what its like to have real money problems” or “Some people have real weight problems that can’t just easily lose it” on, and on, and on. And maybe that’s true. What I do know is that key to winning with money is SPENDING less than you MAKE and I have learned recently that the key to losing weight is is EATING less than you WORK off. Get intense and get ‘er done!

With that bit of lecture, onto this weeks results. As of this morning, I weigh 186. So I fell one pound short of the last two weeks but still managed to kill four pounds. In total, that’s 14 pounds in three weeks, over half my way to my goal, with 11 pounds to go.

traineo traineo

I also just transferred the first $500 cash I can say has been saved as a direct result of not eating out, not buying sodas, not going out on weekends, etc. CPA exam studying starts today as well. 9 weeks left and I am really happy with where this whole thing is going, thanks for all your support!

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Jan 18

I have been shocked (and I really mean shocked) at the amount of cold, hard cash that remains in my wallet lately while I brown-bag-it to work. I mean, I know eating out is expensive and I had done the math on how much I would save. But it really doesn’t hit home until you realize how RARELY you have to go to hit the bank/ATM for cash.

No really, I didn’t get it. I have been eating out lunches at work since I was 14 years old. I haven’t brown bagged since Junior High. So, in my delight over this, imagine the excitement I had when I was listening to one of my favorite podcasts, The Mad Money Machine (which you should definitely check out if you’re interested in great investing strategies for the everyday guy), and heard about the lunch calculator at feedthepig.com. That website will let you input a variety of factors (cost of lunch out, cost of sack lunch, number of years, etc.) and calculate what eating lunch out everyday costs you.

I took it on, put in my estimated details, and found that over the next 20 years I can expect eating lunch everyday will cost me approximately $126,480. Haha, HOLY CRAP! And yes, this could apply to drinking Starbucks, Lottery tickets, or whatever stupid vice you have. Mine is eating lunch out and through at least 9.5 more weeks, I aint doin it!

Lunch Savings

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Jan 17

As you may or may not be aware of, we are entering the territory of Shannon’s 21st Birthmonth. Yes, that’s right… I haven’t grown out of birthmonths yet.

I have already had a few inquiries from a certain parent as to visiting for my birthday. Well, I would love nothing more than to have ALLLLLL family and friends that are able to come out to the midwest come and celebrate with me. I am not expecting anyone to make it, whoever can and would like to come is definately invited. Especially Lisa, because she’s the only immediate family who hasn’t seen my apartment yet.

Anyway: YOU are CORDIALLY INVITED. I took off of my hospital and ambulance shifts for that weekend just in case anyone was able to make it. So from Wednesday, January 31 through the weekend (Sunday February 4), I dont have any work or school. (yes, Dad, I know that that’s through your birthday/anniversary.. we’ll celebrate you too/two if you can come). I just figured that I would be going out to dinner or something for my birthday and figured it would be much more fun with more people.. and i wanted everyone to know they were invited. Okay thats all.

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