The pudits say that signals point to less fuel consumption as the reason for the large drop in oil prices. As I drive to work each day I don’t see the drop. The roads here are a full as ever. I suppose there may be a drop in fuel usage but it’s not obvious and I question if it’s really enough to have such and affect. So I wonder, do you see less use of fuel? Have each of you slowed down your usage?
Perhaps the real question is why did oil go up to over $130 dollars a barrel?
If you haven’t read any of Tony Hillerman’s mysteries with Joe Leaphorn and Jim Chee your missing out. If you’ve never been to the southwest these mysteries can take you there. Tony was able to create not only compassionate characters but authentic New Mexico atmosphere in his novels.
Tony has died and but has left a great gift to the rest of us.
It’s been a while since I read one of these novels but I remember enjoying them alot. The Shape shifter and the thief of time were my favorites.
I really don’t have anything worthwhile to say. I just returned from a re-integration conference. This is the military’s effort to relieve combat stress on families, yet it only seemed to increase it. Those of you that have been to these know what I mean.
The argument that the media isn’t reporting on the interesting associates of Obama are a waste of time. First off the media has covered this issue. Not to the extent or speed that they investigated “Joe the plumber” but still the information is out there.
The problem isn’t that the connections to Ayers or Wright available it’s that nobody cares. Those that have chosen to vote for either candidate won’t be swayed and those that don’t know who they are voting for probably don’t have an attention span long enough to explain what the connections mean.
Some I work with ask themselves how anyone could vote for Obama. I think there are people who honestly believe that someone else, anyone else should run their lives for them. There are those that believe socialism is a good form of government. They either don’t know the historical success rate of socialist societies or can’t read. I think both.
This is not an endorsement for McCain who has been part of this establishment for decades.
Like most years we must vote not for the best in this country but the selected. Unfortunately I simply don’t trust one candidate on his ability to handle the security of our nation. I hope I’m wrong.
One would think that with our Governments poor performance that they would turn away from politicians and not trust them to run anything. In other words limit government don’t expand it.
Oh BTW how’s that bailout working?
Raiders VS Jets. 16 – 13 Radiers in overtime. 57 yard field goal kick by Janakowski.
Hey I have to take every single victory.
ACORN is being investigated in numerous voter fraud incidents in multiple states.
Who is associated with ACORN? Who is their biggest defenders?
Those of you that have frequented this site for a while know how tender hearted I am. I mean I pretty much cry for everyone. You know like the people making more money than I will ever see in my lifetime lamenting because they are losing millions. Well I’d love to have millions to lose but that’s another story. For the rest of us who must muddle along on what we actually make and not what we’d like to make here’s some tips.
JBs basics for surviving a financial crises.
Don’t buy a house you can’t afford. Now this would seem like common sense but it appears lots of people don’t understand this concept. According to the National Association of Home Builders the average home is approx 2400 Sq Ft. Humm funny I have a pretty decent paying job and my home is around 1800 Sq Ft. Now I will admit I need more room for all the things I want like a home office, a craft room and woodworking space. But can I afford it? Folks what you want isn’t the same as what you can afford. If your paying a mortgage that is more that a third of your net ( yes I say net not gross) income your not practicing good financial sense (some say it should be even less like a quarter of your income).
New car? At the most you should be paying on only one car. This car should not be new unless your payment is less than your monthly grocery bill. A used car is fine. I have an SUV (small one) a truck (sucks fuel like I own a refinery) and motorcycle (saves me a fortune in fuel when I use it) and I don’t pay on any of them. All but one was used when I bought it. I probably will never buy a new car again. It loses it’s value too quickly. The median income in the US is about $50k a year. Folks that won’t pay for your new Tahoe, boat, ATV and a 2400 Sq Ft home in most places these days.
If your not saving any money each month as part of a plan your an idiot that is probably paying too much for a home and cars and not thinking about the future at all.
Entertainment. It’s ok to have fun. When you pay yourself first by taking care of your bills then savings you can spend all you have left with no feelings of remorse.
Credit cards are the last in this little financial message. There is nothing wrong with credit cards. But you don’t use them instead of money. They should be paid off at the end of each month and should be used for convenience and the building of credit not as a substitute for your income. If you can’t pay cash you shouldn’t use a credit card. Wait a month and save some money then buy what you want debt free. You will find now and then an emergency will pop up and having credit good credit will be a plus.
I didn’t address investments or retirement but this is just the basics for now. I will say if your in your forties or later and are just now thinking about retirement funds, umm good luck. Remember the Government won’t bail “us” out and the Lottery is not a good fall back plan.
What kind of a job you have is very important also. I grew up around many people who had seasonal jobs, jobs that would roll right along in the summer a slow way down in the winter. These types of jobs require a little more advance method of budgeting but still follow the basics.
Now I know that the readers that frequent this site are very intelligent and don’t need this basic info but apparently most of America don’t practice common sense. I mean hell some people this November will vote Democrat so there lots of help needed out there.