I didn't catch this right away, but in looking back over the past year, I can see, a "kahootzing" unfolding. Clearly, the banks knew quantitative easing was coming to an end and interest rates would no longer be stagnate at ZERO. Was this conjecture based upon past trends? I don't think so, since this economic disaster, compared to the Great Depression and there is now a global economy. This is no conspiracy theory, and no history that is comparative. This is simply the way an economy of perpetual motion operates.
Since the interest rates plunged and remained at basically 0%, literally flat-lined for five years, banks have had to get creative to make money and keep folks interested in letting them "hold" their money. In this time of low interest rates and job insecurity, the average folks don't have so much money to hold. Once the Big Banks were bailed out, they could start making some interesting credit offers to get the perpetual motion rolling again. Credit offers are not always made based upon a good credit history, but increased expenses, times of struggle, or even poor money management can be part of the equation.
I knew when the last long term CD matured, I would not renew it. It wasn't a great rate, but it was by far better than 0.5% for 5 years. Interestingly at that same time, I heard Abba speak of enlarging the tent, so a sizeable expense was about to take place. As it turns out, two additions were added for about the same cost as the value of the CD. Abba is so economical. Now, here is how I got into the world of credit offers . . . The retailer of the building supplies offered a discount if one used their credit card. Rather than just pay cash, I would actually be saving money to use their card with a discount, provided I paid the balance in full when the bill arrived. The mature CD made that a simple task, but, it got my name in some sort of active credit card offer pool.
Suddenly, the bank that carries the one credit card I have had for over twenty years, offered balance transfers at 0% interest for a year, but there was a 4% transaction fee, up front. The bank, which could borrow money at 0% interest could pass that savings on to me, but actually make 4% interest by calling it a fee. The fine print was really great. If I'd taken them up on this wonderful offer but didn't get it all paid back in the 0% time frame, the interest rates would soar on the remaining balance and my old card would then have a brand new interest rate. The new credit card with sizeable charges had placed me in database with a presumed balance. When these opening discounts or special rates are offered, the lender is planning on a balance to be carried, which is backed with statistics.
When I started my business, which had very minimal start up costs, the credit offers came pouring in. All I had done was register my business name with the state. I had credit offers before I had a bank account, which made me wonder . . . The line of credit I was offered was enormous and clearly not commensurate with the possible, potential profit of a new business. I was immediately offended. I felt like they wanted to own my new business and me!
I could go on and on . . . but the point is, with every credit offer, came the reality of potential bondage. Paying my monthly balance on a single card didn't bring new credit offers from every direction. Signing up for a new line of credit and starting a business opened the door to an avalanche of offers, which for many, literally results in an economic avalanche. These banks and credit companies know that! They bank on it.
Sunday, December 28, 2014
Sunday, December 21, 2014
The Cost of Living
With the price of oil plummeting, I'm expecting to see other costs destabilize. At this point and time, I'm not even sure what that really means or could possibly entail, but without the gold or silver standard, and so many global currencies; oil is really the global standard. If the American dollar now has more buying power regarding a barrel of oil, I think that usually means deflation or inflation is coming. I think both are on the horizon. Economy experts have forecasted an improved 2015 for America's economy, but much of that is based upon oil and gas, while the price of oil has dropped dramatically.
I believe we're going to see another drop in the value of tangible assets, or at least the selling power of them and I think we're going to see an increase in the cost of living. The Great Repression of 2008 brought about a real change in the economic climate of this country, with a severe drop in the standard of living for the Middle Class. In going back to campaign rhetoric of our current leader, he frequently used the term "working class" in reference to what used to be the Middle Class.
In recent conversations, I've experienced not sticker shock, but what I would call "Cost of Living Shock." I truly had not realized how far out of the economic loop this homesteading lifestyle had taken me. My daughter started it, last year when we were talking about her sister's move. I had said something about them being here for a month and giving me $200.00. My daughter just looked at me over her wine glass and asked, "Two hundred dollars, what's that even begin to cover?" I then stopped and thought about how much my kids talk about their cost of living, especially the one who had given $200.00 . . . so I certainly quit feeling guilty for having taken almost enough money to cover the cost of my internet overage through their stay. I have now heard others speak of their income, their monthly expenses, and in many cases, their continued need for assistance.
Obviously, some of the cost of living has to do with money management. I choose to be frugal to a point, but really, I buy what I need and usually what I want. I just don't require a lot of high tech gadgetry and I still prefer investments to just purchases. I don't know that I'll be here in 40 years, but if America is still in business, some of the things I've implemented here in Goshen could still be operational and of course, much of the homesteading lifestyle is perpetual. As others describe their income, I'm shocked. I've been out of the mainstream workforce for so long, I had no idea people actually complained about the level of income I'm hearing about. I can't imagine how they find a way to be broke with that much income!
Our economy did not recover and it's shaky. We can't keep mismanaging our income and expect G-d, government, or charity to continue to provide. Wealth does not begin in the wallet, it begins in the way we think and manage.
I believe we're going to see another drop in the value of tangible assets, or at least the selling power of them and I think we're going to see an increase in the cost of living. The Great Repression of 2008 brought about a real change in the economic climate of this country, with a severe drop in the standard of living for the Middle Class. In going back to campaign rhetoric of our current leader, he frequently used the term "working class" in reference to what used to be the Middle Class.
In recent conversations, I've experienced not sticker shock, but what I would call "Cost of Living Shock." I truly had not realized how far out of the economic loop this homesteading lifestyle had taken me. My daughter started it, last year when we were talking about her sister's move. I had said something about them being here for a month and giving me $200.00. My daughter just looked at me over her wine glass and asked, "Two hundred dollars, what's that even begin to cover?" I then stopped and thought about how much my kids talk about their cost of living, especially the one who had given $200.00 . . . so I certainly quit feeling guilty for having taken almost enough money to cover the cost of my internet overage through their stay. I have now heard others speak of their income, their monthly expenses, and in many cases, their continued need for assistance.
Obviously, some of the cost of living has to do with money management. I choose to be frugal to a point, but really, I buy what I need and usually what I want. I just don't require a lot of high tech gadgetry and I still prefer investments to just purchases. I don't know that I'll be here in 40 years, but if America is still in business, some of the things I've implemented here in Goshen could still be operational and of course, much of the homesteading lifestyle is perpetual. As others describe their income, I'm shocked. I've been out of the mainstream workforce for so long, I had no idea people actually complained about the level of income I'm hearing about. I can't imagine how they find a way to be broke with that much income!
Our economy did not recover and it's shaky. We can't keep mismanaging our income and expect G-d, government, or charity to continue to provide. Wealth does not begin in the wallet, it begins in the way we think and manage.
Sunday, December 14, 2014
Tax Deductible
As we will soon be entering the tax preparation season, there are some things we might want to consider. Actually, it's two major things to consider that apply to a number of areas of our life. There is no free lunch and that includes tax deductions and credits. Tax deductions or credits basically fall into two categories. People and stuff. When we receive a deduction or credit regarding a person in our life, that individual is one of the millions who is now collateral for the national debt.
A couple cannot file a joint return without a marriage license. The marriage license is a contract between two people and the state. Parents cannot claim their children without providing social security numbers of the children. That has not always been the case. I am 56 years old. I did not need or acquire a social security card or number until I wanted a job and a driver's license. A birth certificate with a social security card application is really quite recent. I'd have to ask my ex-husband to be sure, but I don't think we had to list social security numbers for our kids on the tax returns, and I know there was no social security card application when filling out a birth certificate when I was having children.
When it comes to credits or deductions for people, that is literally assigning a monetary value to a human being. Oh, we don't use that term, and for the most part, none of us even considered it, but with the rising national debt, and the requirement of documentation, the correlation should be obvious. The statement: "For social security and tax purposes -Not for identification" actually used to be printed on social security cards. Now, for most any monetary transaction, we are asked at least the last four numbers of our "social." How many times have you heard, "What are the last four of your social?" That question literally makes me cringe, every time I hear it.
When it comes to deductions or credits involving possessions, the deduction is based upon a percentage of the payments. I was getting my house in order, thinking now that I have one entire room dedicated to my business and one entire room for ministry, I'd be figuring my taxes differently this year. Then it dawned upon me. Without a mortgage, I have no percentage to figure to deduct the room. Without a 501c3 the government doesn't even recognize this ministry. The only figures our tax system is interested in when it comes to this ministry and my business are the figures of income . . . PERIOD. And those are taxable!
As you prepare to figure your taxes in the coming, really consider the cost of the deductions and credits that are offered.
A couple cannot file a joint return without a marriage license. The marriage license is a contract between two people and the state. Parents cannot claim their children without providing social security numbers of the children. That has not always been the case. I am 56 years old. I did not need or acquire a social security card or number until I wanted a job and a driver's license. A birth certificate with a social security card application is really quite recent. I'd have to ask my ex-husband to be sure, but I don't think we had to list social security numbers for our kids on the tax returns, and I know there was no social security card application when filling out a birth certificate when I was having children.
When it comes to credits or deductions for people, that is literally assigning a monetary value to a human being. Oh, we don't use that term, and for the most part, none of us even considered it, but with the rising national debt, and the requirement of documentation, the correlation should be obvious. The statement: "For social security and tax purposes -Not for identification" actually used to be printed on social security cards. Now, for most any monetary transaction, we are asked at least the last four numbers of our "social." How many times have you heard, "What are the last four of your social?" That question literally makes me cringe, every time I hear it.
When it comes to deductions or credits involving possessions, the deduction is based upon a percentage of the payments. I was getting my house in order, thinking now that I have one entire room dedicated to my business and one entire room for ministry, I'd be figuring my taxes differently this year. Then it dawned upon me. Without a mortgage, I have no percentage to figure to deduct the room. Without a 501c3 the government doesn't even recognize this ministry. The only figures our tax system is interested in when it comes to this ministry and my business are the figures of income . . . PERIOD. And those are taxable!
As you prepare to figure your taxes in the coming, really consider the cost of the deductions and credits that are offered.
Sunday, December 7, 2014
Strange Business Experience
I was in town the other day and decided I would stop in the jewelry store. I'm not one to just shop and the jewelry dispersal amongst heirs is already written in my will, so I'm not really looking for any new pieces. I wanted two silver chains, matching but of different lengths to replace a short one and a broken one. There are two very different charms or pendants that I wanted to wear simultaneously, and to do so, required separate chains. In my mind I'd "pull" the two very different pieces together with matching chains. So, I stopped in the local, family owned jewelry store. I used to think the third generation collapsed family businesses by spending profits rather than investing back into the business, but I witnessed another way, the third generation puts the family business out of business.
When I walked in, a nicely dressed young woman asked if she could help me. I told her what I was looking for, and as we walked toward the display case, the owner acknowledge me, telling me he was eating lunch. I didn't think much of it at the time, as he looked at his notepad and ate some sort of carry out. As the young woman looked through the case for what I wanted, she asked her boss something. He quickly walked over to where we were. I made a light hearted comment about disturbing his lunch, to which he brusquely responded with an expletive and having thrown it away. I wasn't sure what to do with that odd response as I'm in business myself and I'm old school. When it comes to the customer, they come before break time. I was sure his father and grandfather before him, also held to that business practice.
He then took over the sale, while talking over me as I attempted to ask a question three times. He then got out his big catalogue showing me various sizes and strengths of chain while offering a completely ludicrous metaphor. Just as he finally finished and I attempted to ask my question, yet again, a young lady walked into the store. He turned around to ask his sales clerk what she wanted. She was looking for a job. He then proceeded to tell her the business next door was looking for help and he'd take her over there as soon as he "finished" with me. He turned back around and asked me what my question was. By that time, I'd forgotten, so that's what I told him. I then said, it would be better to bring in the charms and pendants to get a better idea of what I was interested in. He made some comment about increasing the cost of the sale and I simply thanked him for his time as I walked out.
The customer service I received, from the owner, was shocking. Although I have a style all my own, the jewelry I wear is quite nice. He should have taken note. As I left, I thought of my dear Uncle Bert who owned a jewelry store and my friend from Temple, who also owned a jewelry store. They would have never treated anyone that way, on the street, much less in their own store. I'd have expected that sort of customer service from a teenager working in a jewelry kiosk at the mall. That jeweler actually sabotaged his own sale . . . So, I shrugged my shoulders and went on about my day.
After receiving a great discount from my computer guy, for debugging my laptop, my faith in the independent business man was renewed. As the town checklist dwindled, I thought of the business that buys and sells precious metals and jewelry. It's a father/son partnership and they're always quite customer friendly, even if they don't have what I'm looking for. So, I stopped in. The son was there and although it was also his lunch hour, was more than happy to leave his desk and come to the counter with a smile. I asked him if he had any silver chains. He immediately responded with, "not too many" as he placed the velvet box on the display case. Are you ready? There were two matching chains of different lengths, exactly what I was actually looking for. Oh, and the price of estate silver versus new jewelry? I bought both chains for less than the price of the smaller chain at the jewelry store.
As I headed home, I thought of the way the day had gone. I expect to be treated impersonally, even as a pain, in large department stores and chains, but I make a point to take my business to the local independent business men. I still will, but with or without a discount, I will absolutely patronize those who give good service!
When I walked in, a nicely dressed young woman asked if she could help me. I told her what I was looking for, and as we walked toward the display case, the owner acknowledge me, telling me he was eating lunch. I didn't think much of it at the time, as he looked at his notepad and ate some sort of carry out. As the young woman looked through the case for what I wanted, she asked her boss something. He quickly walked over to where we were. I made a light hearted comment about disturbing his lunch, to which he brusquely responded with an expletive and having thrown it away. I wasn't sure what to do with that odd response as I'm in business myself and I'm old school. When it comes to the customer, they come before break time. I was sure his father and grandfather before him, also held to that business practice.
He then took over the sale, while talking over me as I attempted to ask a question three times. He then got out his big catalogue showing me various sizes and strengths of chain while offering a completely ludicrous metaphor. Just as he finally finished and I attempted to ask my question, yet again, a young lady walked into the store. He turned around to ask his sales clerk what she wanted. She was looking for a job. He then proceeded to tell her the business next door was looking for help and he'd take her over there as soon as he "finished" with me. He turned back around and asked me what my question was. By that time, I'd forgotten, so that's what I told him. I then said, it would be better to bring in the charms and pendants to get a better idea of what I was interested in. He made some comment about increasing the cost of the sale and I simply thanked him for his time as I walked out.
The customer service I received, from the owner, was shocking. Although I have a style all my own, the jewelry I wear is quite nice. He should have taken note. As I left, I thought of my dear Uncle Bert who owned a jewelry store and my friend from Temple, who also owned a jewelry store. They would have never treated anyone that way, on the street, much less in their own store. I'd have expected that sort of customer service from a teenager working in a jewelry kiosk at the mall. That jeweler actually sabotaged his own sale . . . So, I shrugged my shoulders and went on about my day.
After receiving a great discount from my computer guy, for debugging my laptop, my faith in the independent business man was renewed. As the town checklist dwindled, I thought of the business that buys and sells precious metals and jewelry. It's a father/son partnership and they're always quite customer friendly, even if they don't have what I'm looking for. So, I stopped in. The son was there and although it was also his lunch hour, was more than happy to leave his desk and come to the counter with a smile. I asked him if he had any silver chains. He immediately responded with, "not too many" as he placed the velvet box on the display case. Are you ready? There were two matching chains of different lengths, exactly what I was actually looking for. Oh, and the price of estate silver versus new jewelry? I bought both chains for less than the price of the smaller chain at the jewelry store.
As I headed home, I thought of the way the day had gone. I expect to be treated impersonally, even as a pain, in large department stores and chains, but I make a point to take my business to the local independent business men. I still will, but with or without a discount, I will absolutely patronize those who give good service!
Monday, December 1, 2014
Opportunity or Bondage?
I didn't feel comfortable just sharing this link, because this is not something I would recommend doing. Rather, I wanted to call attention to this new plan in which a mortgage truly lives up to it's origin. Mortgage and mortality have the same root word.
The age of the woman in the articled linked below is 48 years old. She just obtained two 30 year loans for a house, as well as borrowing against her 401K for the downpayment and closing costs. Providing all goes well and she is able to maintain her current income until she's 78 years old, she'll own her home. If you are thinking of buying a home, please consider the long term factors and the fact that everything changed, economically, practically overnight just a few years ago.
This just doesn't seem like an opportunity, it seems more like a lifelong bondage.
https://homes.yahoo.com/news/how-one-homeowner-bought-a-home-with-a--1-026-down-payment-011843269.html
The age of the woman in the articled linked below is 48 years old. She just obtained two 30 year loans for a house, as well as borrowing against her 401K for the downpayment and closing costs. Providing all goes well and she is able to maintain her current income until she's 78 years old, she'll own her home. If you are thinking of buying a home, please consider the long term factors and the fact that everything changed, economically, practically overnight just a few years ago.
This just doesn't seem like an opportunity, it seems more like a lifelong bondage.
https://homes.yahoo.com/news/how-one-homeowner-bought-a-home-with-a--1-026-down-payment-011843269.html
Monday, November 24, 2014
Practical Savings
Through this season, it's easy to become aggravated. The controversy abounds and whatever someone is celebrating or not celebrating seems to offend someone else. As the controversy through the years continue, it would appear that many in our society seem to celebrate being offended. Somehow we've parlayed "Happy Holidays" into a "war" on our chosen celebration and actually have the audacity to equate non-celebration by others as some sort of persecution. Rather than allow this season to bring out the Scrooge in all of us, I have a few ideas I'd like to share.
Regardless of what you celebrate, be it Hanukkah, Christmas, or Kwanzaa. Regardless of whether you observe these celebrations religiously or from the secular perspective, I'd like to share a few things I've gleaned along the way. I celebrate Hanukkah, from an historical and religious perspective, so I'm not promoting any other celebration, just acknowledging reality.
First and foremost, those who are making the most noise about their particular celebration seem to be able to afford or are willing to spend quite a bit of money on the celebration. Second, there are a great many sales on practical items through this time of year. Third, many poorer children will not be receiving school lunches for two weeks. Fourth, the weather is colder with potential for the elderly to be snowed in.
For those who truly believe "Jesus is the reason for the season," teach your children it's not about them. Make a point of focusing only on the birth of the babe in Bethlehem. Keep it strictly based upon Luke 2, I think you'll be surprised what you discover! No omniscient fat man in a red suit, regardless of characters added later. And let's face it, there's no mention of a big decorated evergreen in a Bethlehem stable. Keep your Christmas celebration based upon Luke 2, only, no added characters or decoration and see where that takes you. Take the Christmas budget and use it to truly make a difference in someone's life. This could be a wonderful opportunity to teach children about what it is, to truly give.
Once Hanukkah and Christmas became enmeshed beyond comprehension in my family, and my gifts simply didn't measure up . . . I stopped buying Hanukkah gifts. I still remember the conviction the last year at the attempt to celebrate Hanukkah with those who had to reschedule for their Christmas plans. I knew it was time to quit. Most of the rest of the world doesn't exchange Hanukkah gifts, it's just an American Christmas "knock-off" for Jewish kids. There are a number of items I can provide to the food pantries that SNAP benefits do not cover, such as soaps and cleaning products.
There are some very practical aspects to this shopping season. I will not be leaving my home on Black Friday, but there is a practical and reasonable side to holiday sales, and the after holiday sales are often really good! Heavy socks and gloves, boots, hats, and jackets hit the sale racks after the holiday season. There are still at least two months of winter weather, so if the winter chore-wear is in need of replacement, it's the perfect time to save some money. I would think the same would apply for any apparel in department stores. Following the holiday sales and gift returns, "gift sets" hit the clearance rack and bargain bin. Whether it's fragrances, candles, candy, or gift sets for kitchen and bath, the holiday packaging can be tossed and the items themselves be enjoyed at a significant savings.
Now to the practicality of it all. With the savings and teachings of "doing for others" for the holidays and transferring the budgeted funds with either fewer purchases or greater savings, those funds can go toward funding some backpack snack programs for kids or food for kids on church bus ministries for the two weeks they won't have school lunches. It can also be used toward helping someone, especially at the end of the month stretch their food or utility funds. If there is snow in your area, getting the kids bundled up to shovel a sidewalk for the elderly is a wonderful way to teach what it is to be a good neighbor. It will also make for a wonderful opportunity for coming back in to warm up with hot cocoa and fun times around your own kitchen table.
Here it is, a few days before Thanksgiving and I'm already tired of the holiday debate. Let's just avoid that whole issue by saving some money on "needed" sale items, doing something for someone that cannot pay us back, and making it a point to use some of the school vacation days to focus on some old fashioned family fun!
Regardless of what you celebrate, be it Hanukkah, Christmas, or Kwanzaa. Regardless of whether you observe these celebrations religiously or from the secular perspective, I'd like to share a few things I've gleaned along the way. I celebrate Hanukkah, from an historical and religious perspective, so I'm not promoting any other celebration, just acknowledging reality.
First and foremost, those who are making the most noise about their particular celebration seem to be able to afford or are willing to spend quite a bit of money on the celebration. Second, there are a great many sales on practical items through this time of year. Third, many poorer children will not be receiving school lunches for two weeks. Fourth, the weather is colder with potential for the elderly to be snowed in.
For those who truly believe "Jesus is the reason for the season," teach your children it's not about them. Make a point of focusing only on the birth of the babe in Bethlehem. Keep it strictly based upon Luke 2, I think you'll be surprised what you discover! No omniscient fat man in a red suit, regardless of characters added later. And let's face it, there's no mention of a big decorated evergreen in a Bethlehem stable. Keep your Christmas celebration based upon Luke 2, only, no added characters or decoration and see where that takes you. Take the Christmas budget and use it to truly make a difference in someone's life. This could be a wonderful opportunity to teach children about what it is, to truly give.
Once Hanukkah and Christmas became enmeshed beyond comprehension in my family, and my gifts simply didn't measure up . . . I stopped buying Hanukkah gifts. I still remember the conviction the last year at the attempt to celebrate Hanukkah with those who had to reschedule for their Christmas plans. I knew it was time to quit. Most of the rest of the world doesn't exchange Hanukkah gifts, it's just an American Christmas "knock-off" for Jewish kids. There are a number of items I can provide to the food pantries that SNAP benefits do not cover, such as soaps and cleaning products.
There are some very practical aspects to this shopping season. I will not be leaving my home on Black Friday, but there is a practical and reasonable side to holiday sales, and the after holiday sales are often really good! Heavy socks and gloves, boots, hats, and jackets hit the sale racks after the holiday season. There are still at least two months of winter weather, so if the winter chore-wear is in need of replacement, it's the perfect time to save some money. I would think the same would apply for any apparel in department stores. Following the holiday sales and gift returns, "gift sets" hit the clearance rack and bargain bin. Whether it's fragrances, candles, candy, or gift sets for kitchen and bath, the holiday packaging can be tossed and the items themselves be enjoyed at a significant savings.
Now to the practicality of it all. With the savings and teachings of "doing for others" for the holidays and transferring the budgeted funds with either fewer purchases or greater savings, those funds can go toward funding some backpack snack programs for kids or food for kids on church bus ministries for the two weeks they won't have school lunches. It can also be used toward helping someone, especially at the end of the month stretch their food or utility funds. If there is snow in your area, getting the kids bundled up to shovel a sidewalk for the elderly is a wonderful way to teach what it is to be a good neighbor. It will also make for a wonderful opportunity for coming back in to warm up with hot cocoa and fun times around your own kitchen table.
Here it is, a few days before Thanksgiving and I'm already tired of the holiday debate. Let's just avoid that whole issue by saving some money on "needed" sale items, doing something for someone that cannot pay us back, and making it a point to use some of the school vacation days to focus on some old fashioned family fun!
Sunday, November 16, 2014
The Dollar Dropped our Standards
The title of this article may sound like it should appear in the Business and Investment section, and I almost did that, but the true subject is about so much more than money. Before the American dollar became the standard for business, there was gold, silver, product, and service. Money was not the goal! Even gold and silver were only valuable if you needed to purchase land or needed a product or service for which you had no barter exchange to offer. Money was only used if you had nothing of value to exchange! There is a growing awareness in this country that certain voices of reason and faith have been silenced. Although I would agree with the current observation, I think we're mistaken in the cause. Scripture tells us the love of money is the root of all evil, which in America translates to the love of the dollar is the root of all of our social problems.
When our society moved from raising produce and providing services to just making money, we changed a great many standards. The main one happened long before the Supreme Court ruled against prayer in school. Although the day had already been changed from Sabbath to Sunday, most Americans still ceased from their labor on Sunday. It was the wrong day, but at least there was an effort to set one day apart. A farmer could cease from working one day with his crops and herds, and much of the industrial revolution still offered the national set aside day of Sunday, as a day off, but . . . along came overtime. Retail stores were closed and many states, my own included, had what was called a Blue Law a.k.a. Sunday law.
Overtime crept in so subtly and it was always out of "necessity," but . . . it also came with pay incentive. Overtime pay meant a wage differential and that meant more money for working on that set apart day. Since Sabbath had been changed, Saturday was usually only time and a half, but Sunday was double time. Once everyone justified that their particular job was a necessity to the wellbeing of someone else, working weekends became justified if the opportunity arose. Once a willingness to work weekends was established, two things transpired. Overtime pay for holidays gained an even greater wage differential in some careers, while for others Saturday and Sunday simply became another work day.
Whether it was a good career of M-F with increased income on weekend overtime or a career in which the days of the week no longer made a difference, both classes of workers became enslaved. Those who gained great increase couldn't get enough, and those whose schedules required straight pay for weekends couldn't say no, and maintain employment. America had already missed the mark by laboring and conducting business on Sabbath, but for many that was done in ignorance, while they did still honor a set apart day.
When American workers chose money over any set apart day and justified it with self importance and martyred indispensability, the dollar became the standard of the value of time and the value of a worker. Ignorance of the Truth was replaced with a disregard of the Word of our Creator.
When our society moved from raising produce and providing services to just making money, we changed a great many standards. The main one happened long before the Supreme Court ruled against prayer in school. Although the day had already been changed from Sabbath to Sunday, most Americans still ceased from their labor on Sunday. It was the wrong day, but at least there was an effort to set one day apart. A farmer could cease from working one day with his crops and herds, and much of the industrial revolution still offered the national set aside day of Sunday, as a day off, but . . . along came overtime. Retail stores were closed and many states, my own included, had what was called a Blue Law a.k.a. Sunday law.
Overtime crept in so subtly and it was always out of "necessity," but . . . it also came with pay incentive. Overtime pay meant a wage differential and that meant more money for working on that set apart day. Since Sabbath had been changed, Saturday was usually only time and a half, but Sunday was double time. Once everyone justified that their particular job was a necessity to the wellbeing of someone else, working weekends became justified if the opportunity arose. Once a willingness to work weekends was established, two things transpired. Overtime pay for holidays gained an even greater wage differential in some careers, while for others Saturday and Sunday simply became another work day.
Whether it was a good career of M-F with increased income on weekend overtime or a career in which the days of the week no longer made a difference, both classes of workers became enslaved. Those who gained great increase couldn't get enough, and those whose schedules required straight pay for weekends couldn't say no, and maintain employment. America had already missed the mark by laboring and conducting business on Sabbath, but for many that was done in ignorance, while they did still honor a set apart day.
When American workers chose money over any set apart day and justified it with self importance and martyred indispensability, the dollar became the standard of the value of time and the value of a worker. Ignorance of the Truth was replaced with a disregard of the Word of our Creator.
Sunday, November 9, 2014
It's Later Than We Think
There has been a serious miscalculation about time and preparation that we simply must correct. We have separated the term and concept of preparation from the present tense. Obviously preparing can pertain to future events, but the future can be an hour from now or tomorrow, it doesn't have to be years down the road. When I first began homesteading or "prepping" as it's called, I thought in the context of the future, the somewhat distant future. Thankfully, I did have some time to learn and prepare, but as my life changed into living off the land, I discovered preparation by the season, even by the day.
Many speak of coming troubles and even unbelievers see potential calamity on the horizon, yet so many are continuing business as usual. So many speak of what is in store for America, from economic struggles to potential disease, to invasion of the homeland, yet we're still going about life the same way we were, last year and the year before that. It seems many believe there will be some sort of countdown warning, right before the collapse. If many of us do think we are the brink of some sort of calamity or chaos, have we considered this may be the countdown warning?
What if two wars, devastating hurricanes, and the great recession have been the countdown warnings since 9/11. Six years of quantitative easing has ceased, and the modern Tower of Babel, a.k.a. One World Trade Center has opened just this past week. The first tenants were scheduled to begin moving in November 3, 2014. The deadline for Iran in the Nuclear Deal is slated for November 24, yet, the camping plans at retailers, for Black Friday are already in the works. How do we prepare without fearmongering? Are we conspiracy theorists if we connect the dots?
I'm not so worried about the labels any more, I have to seriously look at my own situation. I can sound the warning and shout about readiness, but the question boils down to me as an individual, a servant of the Most High G-d, and disciple of Y'hshuwah. If everything listed in the previous paragraph, and many things not mentioned were all countdown warnings, am I ready? I've been praying for a five fold ministry to gather here. Am I ready for 4-12 more people to assemble here?
Y'hshuwah didn't say, "get ready," He said, "Be ready!"
Many speak of coming troubles and even unbelievers see potential calamity on the horizon, yet so many are continuing business as usual. So many speak of what is in store for America, from economic struggles to potential disease, to invasion of the homeland, yet we're still going about life the same way we were, last year and the year before that. It seems many believe there will be some sort of countdown warning, right before the collapse. If many of us do think we are the brink of some sort of calamity or chaos, have we considered this may be the countdown warning?
What if two wars, devastating hurricanes, and the great recession have been the countdown warnings since 9/11. Six years of quantitative easing has ceased, and the modern Tower of Babel, a.k.a. One World Trade Center has opened just this past week. The first tenants were scheduled to begin moving in November 3, 2014. The deadline for Iran in the Nuclear Deal is slated for November 24, yet, the camping plans at retailers, for Black Friday are already in the works. How do we prepare without fearmongering? Are we conspiracy theorists if we connect the dots?
I'm not so worried about the labels any more, I have to seriously look at my own situation. I can sound the warning and shout about readiness, but the question boils down to me as an individual, a servant of the Most High G-d, and disciple of Y'hshuwah. If everything listed in the previous paragraph, and many things not mentioned were all countdown warnings, am I ready? I've been praying for a five fold ministry to gather here. Am I ready for 4-12 more people to assemble here?
Y'hshuwah didn't say, "get ready," He said, "Be ready!"
Sunday, November 2, 2014
Tempted to Throw in the Towel
I'd allowed the serpent into Goshen and when I realized it, I didn't know what to do! I prayed, of course, but I honestly didn't know how to get rid of it. This serpent came along with folks I dearly love and immediately the tension was horrible. I don't do well with mockery and then of course, my track record of success with any family dealings falls into the negative numbers, so I was ready to sign over the deed, hand them the keys, pay the title company myself, and go searching for another place. It was that intense! When it did finally explode, although it was painful for a time, there was a sweet relief in the fall out, yet I digress . . .
In looking back, of course, my fleshly solution would have been abject rebellion against my Dear Heavenly Father. If I'd have responded in surrendered defeat, not only would I have missed the Plan of Adonai, I'd have literally given the spoils to the enemy, only to watch the vision become the worst lamented memory of my life. So, I'm hanging on to that piece of history as I am tempted, once again to "give it up and get moving!" This time I am much more resolved in my steadfastness. I know, beyond a shadow of a doubt, this is where I'm to be, and this is what I'm to do, so I won't be entertaining the notion of giving the place away to hit the road. What I will be considering is expanding the ministry in yet another area.
Obviously, many are going through trying times, so it's clearly time to realize, "it isn't about me!" There are hurting people out there who don't have what I have and need Who has me! Trying times are at hand and Messiah said to be ready. The last thing I need to do is to take all this time of preparation and throw it out the window, just as it's needed. As I continue to seek Him and hopefully gain spiritual maturity, I realize, I've already been called to prepare for those who will be heading to the wilderness. Even when it feels as though what I'm doing is useless, I cannot abandon my post! Rather than throw in the towel, I must keep my eye on the prize of the high calling. Throwing in the towel would definitely leave me unprepared for His bigger purpose.
Sunday, October 26, 2014
Moving to Lifestyles
Being a member of The Other 1 Percent really isn't so much about just money. The One Percent may claim the same thing, but the reality is, their money is what sets them apart in the deep, deep belief of Capitalism. I'm not holding that against them. The 98% claim to have standards against The One Percent that would better serve all mankind. To be honest, I would of course financially fit into the 98%, probably not even as high as the middle, but I simply do not share their priorities. It's my personal belief that a sudden redistribution of wealth would result in the money migrating back to the same hands, once again in a very short time. That thought is far from original.
Although I don't consider myself financially wealthy, I have invested in assets, rather than consumer goods. That is a big difference between The One Percent and the 98%. While the 98% claim The One Percent should be more giving, very few of the 98% are as generous with their own earnings as they expect the wealthy to be. It's fairly safe to say, the 98% spends a larger percentage of their available cash on what they want for the short term, than the wealthy do, whom they are attacking. It's just that the wealthy have more dollars to play with. There are some in this country who inherited their money, but the self-made One Percenters paid a price that most of the 98% can't even imagine, much less willingly accomplish.
I can't relate to The One Percent. Money doesn't seem like a security to me. Stock investments are clearly in the control of the powers that be. Gold and silver are only of value if there are buyers or those who will accept it in exchange of goods. Paper and coins are not edible, the paper will burn, but not long enough to keep anyone warm. Paper and coins are not substantial protection against the elements of nature. The reality is, we live in a society in which the rich will remain rich, because they are in control of what is purchased, and most of the poor will remain poor, because they subsist on wages to purchase consumer goods, which are not assets. There is no investment for gain in the financial choices of most of the 98%.
The main difference, as I understand it at this time, is the Other 1 Percent are drawing a different line between needs and wants, and investing toward that end. The Other 1 Percent is a lifestyle, rather than just another percentage placeholder in the economic imbalance of our society.
The Other One Percent is moving to our Lifestyles Section and we're adding a link to a more mainstream concept in investments and business, just to stay abreast of where our economy is really heading.
Monday, October 20, 2014
Wealth
Just what it is to be wealthy? What is the definition, these days, of weath? Are Bill Gates, Oprah Winfrey, and Warren Buffet an example of what it is to be wealthy or do they just have a lot of money? By worldly standards, money and wealth seem to be interchangeable terms. How many of us are discounting our "net worth" because we aren't millionaires? I could launch into all the other things in life that are of value, like relationships and health, and those are clearly important; but I'm going to keep it practical and tangible.
My children think I live like a squirrel in winter and I suppose a number of people think living off the land is a sign of poverty, but the truth is, I like the way I live. My total monthly bills are less than the average car payment. That's not to say, expenses don't come up, because they do. Things break and they wear out, but those are incidents rather than regular expenses. By maintaining a low monthly budget, financial stress is minimal. Also by maintaining a low monthly budget, when expenses do arise, they are simply met and life moves on.
As a society we tend to measure wealth by accumulation of money and status, but I have a different perspective. A friend and I were talking the other day and I don't think I gave indication of my shock, but she mentioned expenses and what it would take to live "comfortably." To be honest, I don't think I'd be comfortable having to deal with that much money. I'd be trying to figure out what I was supposed to actually do with that much money. I'd feel obligated to start some sort of philanthropic organization or something. That would be a huge responsibility for me, a burden actually.
My definition of wealth affords freedom from financial stress. One of my true marks of freedom is the way I handle my bills. On a monthly basis, I have two personal bills and usually one business expense. Those three bills go over the visor in the buggy, until my semi-monthly trip to town. In less than five minutes, those checks are made out and in the mail. All other expenses are handled in cash.
Living debt free, and stress free is wealth. Less junk to dust would be even better. More importantly, though; when it comes to true wealth . . . Having enough to share, at a moment's notice, is wealth.
Sunday, October 12, 2014
Wise Counsel
I'm feeling a definite urgency to get my financial house in order. I'm not building bigger barns, but what I have felt led to store, I know will bless someone, if tonight, my soul is required of me . . . I'm not a money hoarder by nature, but I do not like to spend carelessly, and I abhor waste.
Cast thy bread upon the waters: for thou shalt find it after many days. Give a portion to seven, and also to eight; for thou knowest not what evil shall be upon the earth. Ecclesiastes 11:1-2
In my case, I see it this way for earthly matters. Water, Sustainability/food, Land/Real Estate, Stock, Energy, Cash/Holdings, Precious metals, Long Term Dividends
In sorting through financial decision and economic planning I have two sources of counsel. My Heavenly Father, YHWH and my earthly father, Daddy. Both are very accomplished and very, very economical. My Heavenly Father owns the cattle on a thousand hills, and my earthly father owns several acres of rangeland which he rents to cattle ranchers. There is a connection . . . Abba is Master and Creator. Daddy is a steward and caretaker, and in this annexed Roman empire, also a taxpayer!
I came into a bit of money as of late. It was really strange. It seemed as if, every place I turned there was some unexpected money. It wasn't large amounts, but it did add up. That in itself seemed significant. I'm not one given to nickel and diming, so it didn't take long to see there was a definite accumulation of funds happening. Then there was the gift from Abba and the gift from Daddy, that really compelled me to make a few decisions! Here I'm sitting with unexpected cash and found money. I already know from Scripture, burying it is out of the question! And with the interest rate set by the Federal Reserve, the bank is no different than digging a hole. Precious metals seem to be on the decline from the artificially inflated pricing through this recent Great Recession, so I'm watching for those opportunities.
I prayed, and I called Daddy. Interestingly Abba and I had virtually the same discussion Daddy and I had. With both of them, I discussed the fact that paper money had virtually no value, and that banks could basically not be trusted. We also discussed a credit line that would not be revolving, but simply a number for transaction in the event of economic breakdown. I discussed land and precious metals with both Abba and Daddy. Also discussed, was the topic of "stock!" I liquidated my Wall Street portfolio in late 2006 or early 2007 per the leading of YHWH. My stock is now four legged, and as Daddy pointed out, is yielding higher earnings than Wall Street. Not to count chicks before they are hatched or goats before they arrive, but on average; the herd more than doubles annually, yielding about a 150% increase in dividends. Chickens produce enough eggs to keep me in eggs, as well as able to sell and donate many dozen, while still producing hatchlings to replenish the flock.
The beauty of this stock plan is the fact it doesn't depend upon any backroom deals or market fluctuation. There are months in which goats sell higher than other months, but I also have the option to let them graze another month, at virtually no cost through the summer. So far, unlike Wall Street, livestock prices are not terribly volatile and there's certainly been no steady decline. Livestock prices basically depend upon seasons of birthing and breeding, and rain regarding pasture.
When it comes to land, I cannot manage as much as my Heavenly Father or my earthly father. I'm maxed out at 10 acres. Between 10 and 40 acres is more than I can manage without real farm equipment, and the big operators won't touch less than 40 acres for anything, so . . . for now, 10 acres it is. When seeking the land, I had heard specifically that it was to have a well. That covers land and water!
I've even had to figure in the long term tax situation. In speaking with Daddy, I told him, I couldn't afford the taxes on his land in his state. The thing about land, though; is it really doesn't take much to afford one self-sustainability. That's not to say an income from farming, but it only takes a few acres to pasture one's own milk supply, meat and eggs, and have a garden of fresh produce. Even on ten acres, with flocks, herds, and a garden, I have enough room to fence off a temporary space for a new experiment when an idea hits, as well as rotate pastures. The orchard appears to be coming along nicely.
Daddy introduced the next topic in our conversation, and it also was one I'd already discussed with Abba. He said energy was a good investment, but not for short term profit. He was of course referring to stock, but never used the term, other than to mention the long term dividends. I sat listening to his wisdom, realizing, I had already invested in energy. Another wind turbine and solar panels arrived less than a week before this conversation. Just like he described, this "investment" wasn't for short term profit or turn over, but for long termed dividends. If Messiah tarries, it could still be a blessing to folks long after I'm gone.
So, in both conversations, confirmation was established. Water, food, land, stock, precious metals, available funds, and energy, all of which, are "holdings" of which I am called to be a faithful steward. If I am doing this according to the Will of my Heavenly Father in covenant with His Son, the long term dividends will prosper now, leave an inheritance; and the relationship is for all eternity.
Cast thy bread upon the waters: for thou shalt find it after many days. Give a portion to seven, and also to eight; for thou knowest not what evil shall be upon the earth. Ecclesiastes 11:1-2
In my case, I see it this way for earthly matters. Water, Sustainability/food, Land/Real Estate, Stock, Energy, Cash/Holdings, Precious metals, Long Term Dividends
In sorting through financial decision and economic planning I have two sources of counsel. My Heavenly Father, YHWH and my earthly father, Daddy. Both are very accomplished and very, very economical. My Heavenly Father owns the cattle on a thousand hills, and my earthly father owns several acres of rangeland which he rents to cattle ranchers. There is a connection . . . Abba is Master and Creator. Daddy is a steward and caretaker, and in this annexed Roman empire, also a taxpayer!
I came into a bit of money as of late. It was really strange. It seemed as if, every place I turned there was some unexpected money. It wasn't large amounts, but it did add up. That in itself seemed significant. I'm not one given to nickel and diming, so it didn't take long to see there was a definite accumulation of funds happening. Then there was the gift from Abba and the gift from Daddy, that really compelled me to make a few decisions! Here I'm sitting with unexpected cash and found money. I already know from Scripture, burying it is out of the question! And with the interest rate set by the Federal Reserve, the bank is no different than digging a hole. Precious metals seem to be on the decline from the artificially inflated pricing through this recent Great Recession, so I'm watching for those opportunities.
I prayed, and I called Daddy. Interestingly Abba and I had virtually the same discussion Daddy and I had. With both of them, I discussed the fact that paper money had virtually no value, and that banks could basically not be trusted. We also discussed a credit line that would not be revolving, but simply a number for transaction in the event of economic breakdown. I discussed land and precious metals with both Abba and Daddy. Also discussed, was the topic of "stock!" I liquidated my Wall Street portfolio in late 2006 or early 2007 per the leading of YHWH. My stock is now four legged, and as Daddy pointed out, is yielding higher earnings than Wall Street. Not to count chicks before they are hatched or goats before they arrive, but on average; the herd more than doubles annually, yielding about a 150% increase in dividends. Chickens produce enough eggs to keep me in eggs, as well as able to sell and donate many dozen, while still producing hatchlings to replenish the flock.
The beauty of this stock plan is the fact it doesn't depend upon any backroom deals or market fluctuation. There are months in which goats sell higher than other months, but I also have the option to let them graze another month, at virtually no cost through the summer. So far, unlike Wall Street, livestock prices are not terribly volatile and there's certainly been no steady decline. Livestock prices basically depend upon seasons of birthing and breeding, and rain regarding pasture.
When it comes to land, I cannot manage as much as my Heavenly Father or my earthly father. I'm maxed out at 10 acres. Between 10 and 40 acres is more than I can manage without real farm equipment, and the big operators won't touch less than 40 acres for anything, so . . . for now, 10 acres it is. When seeking the land, I had heard specifically that it was to have a well. That covers land and water!
I've even had to figure in the long term tax situation. In speaking with Daddy, I told him, I couldn't afford the taxes on his land in his state. The thing about land, though; is it really doesn't take much to afford one self-sustainability. That's not to say an income from farming, but it only takes a few acres to pasture one's own milk supply, meat and eggs, and have a garden of fresh produce. Even on ten acres, with flocks, herds, and a garden, I have enough room to fence off a temporary space for a new experiment when an idea hits, as well as rotate pastures. The orchard appears to be coming along nicely.
Daddy introduced the next topic in our conversation, and it also was one I'd already discussed with Abba. He said energy was a good investment, but not for short term profit. He was of course referring to stock, but never used the term, other than to mention the long term dividends. I sat listening to his wisdom, realizing, I had already invested in energy. Another wind turbine and solar panels arrived less than a week before this conversation. Just like he described, this "investment" wasn't for short term profit or turn over, but for long termed dividends. If Messiah tarries, it could still be a blessing to folks long after I'm gone.
So, in both conversations, confirmation was established. Water, food, land, stock, precious metals, available funds, and energy, all of which, are "holdings" of which I am called to be a faithful steward. If I am doing this according to the Will of my Heavenly Father in covenant with His Son, the long term dividends will prosper now, leave an inheritance; and the relationship is for all eternity.
Sunday, October 5, 2014
Out of Balance
Our economy is out of balance. Of course, we all know that on some level, but this imbalance is unprecedented in recent history. Usually the price of precious metals and the cost of land maintain some sort of correlation. With the collapse of real estate and the Stock Market back in '07-'09, gold prices were driven up in panic. Silver followed to a point, but it stayed a bit more stable, only spiking for a short time in 2011.
Obviously, I'm not suggesting that we lay up earthly treasures. We are not to trust in silver and gold, but rather to see it as an indicator that the economy is more unstable that we are being led to believe. We absolutely cannot trust in anything that is temporal. These temporal things are very good indicators, however; as they change we can see the correlation they maintain or lose in the changes. I'm not a history expert, but as far as I know, this is the first time that precious metals have been artificially inflated to offset the Federal Reserve's zero percent interest rate.
I had shared with someone in late July or early August of 2011 that gold would begin to drop, and selling was a good idea. Gold is not really a practical savings plan for future use. If an economy is using precious metals, making change for even small gold pieces becomes quite challenging. Now that gold is really just an investment attached to paper, it's just part of the Stock Market and Banking. Then a couple of years ago, someone asked me what I thought of buying silver at that time. I told them I believed it would be coming back down around $17.00 an ounce. I also felt that would be an indicator of more economic instability. Silver has now dropped to that price range, actually even posting under $17.00 before closing on Friday.
I don't think we need to run out and buy gold and silver at these lower prices. What has caught my attention in this recent decline of value, is they are no longer comparable to the price of land. After the collapse of the housing market, land began to increase in cost, but not necessarily in value. An acre of land will still only produce so much. If grain prices drop, and subsidies are reduced, mortgaged farmland will not pay for itself. The actual value of land is what it will produce. Although currencies have come and gone throughout history, land and precious metals have always had a comparable value, regardless of inflation, until now.
When I bought this homestead, silver was just under $15.00 an ounce and undeveloped land was between $1500.00 - 3,000.00 an acre, depending upon the size of the acreage. Larger acreages went for less per acre. Even small acreages were less than $5,000.00 per acre. Now, silver is hovering below $17.00 and has been dropping in the last 30 days, while land, even large acreages are bringing $5,000.00 - $10,000.00. There is still no sizeable new housing construction and cities that were hard hit in the last recession have not rebuilt. There is little left to lose in another economic recession.
Take inventory, count the costs, and see what is truly of value. We have just about reached the end of being able to kick the can down the road . . . The crashing of the stock market sent folks into panic mode for gold, which is not proving to be ready to launch new panic. The last ditch effort to prop up the economy appears to be survivalist gear for surviving ebola.
Sunday, September 28, 2014
I Shall Not Be Moved
I'm finding myself in a bit of a quandary as I read the headlines, listen to opinions, and peruse the comments of social media. The continual information can be a bit daunting. The challenges to faith and the expression of our faith in these troubling times, must be addressed and resolved personally for each of us. There's a line between steadfast and stiff-necked, faithful and flaunting, sanctified and self-righteous. I desire to be on YHWH's side of each of those lines. Sometimes the lines seem a bit blurred, but they really shouldn't be.
The hope of fellowship seems to be the most trying area of faith, right now. Many of us are without flesh and blood fellowship and the "sharing" by way of social media usually turns into more of a challenge than many of us are ready for. I've been addressing the shemitah for some time now, and I prayed very diligently before posting what I have. Well, in the tradition of the spoken and written word, as soon as I shared something definitive, the rebuttals and alternative teachings poured in.
I don't want to be stubborn, or as its called in Scripture - stiff-necked, but I do desire to be steadfast. For too many years, I've doubted after studying and seeking Abba in prayer, unsure as to whether I'm doubting myself or Abba. Seeking, reading, and asking, then, doubting in the first wind of discussion is absolutely NOT faith. I've been through the same thing this past few weeks on the ever old debate of "law vs. grace" which of course includes the celebration and observance of the Feasts of YHWH. I made peace with that one years ago . . . then the Feasts of YHWH seems to open the door to the next debate of calendar and Name.
After much prayer and seeking, I will observe Shemitah this year which not only aligns with Israel's observance, but it is my 7th year on this place. I've received e-mails and teachings that we do not have to observe as well as emails and teachings that I'm a year early. This is where I stand and I shall not be moved. In discussion, I've even stated, if I'm wrong, I don't expect anyone to share their food with me. I also read that the wrong year will result in war. We're already at war, and more war is coming, whether I plant green beans next year or not.
I've also chosen to be steadfast when it comes to the law vs. grace debate based upon Scripture. Noah found grace in the eyes of Adonai, yet was given precise Instructions to follow. Torah is better translated Instruction than law . . . Isaiah tells us and Peter repeats that the Word of YHWH stands forever. I can't ignore and reject the first 3/4 of the Bible, then expect to hold YHWH to John 3:16!
I do not debate the pronunciation of our Father's Holy Name, but I hold steadfastly that His Name is to be shared and the Messiah's true Name is known to His own.
For he shall be as a tree planted by the waters, and that spreads out her roots by the river, and shall not see when heat cometh, but her leaf shall be green; and shall not be careful in the year of drought, neither shall cease from yielding fruit. Jeremiah 17:8
The hope of fellowship seems to be the most trying area of faith, right now. Many of us are without flesh and blood fellowship and the "sharing" by way of social media usually turns into more of a challenge than many of us are ready for. I've been addressing the shemitah for some time now, and I prayed very diligently before posting what I have. Well, in the tradition of the spoken and written word, as soon as I shared something definitive, the rebuttals and alternative teachings poured in.
I don't want to be stubborn, or as its called in Scripture - stiff-necked, but I do desire to be steadfast. For too many years, I've doubted after studying and seeking Abba in prayer, unsure as to whether I'm doubting myself or Abba. Seeking, reading, and asking, then, doubting in the first wind of discussion is absolutely NOT faith. I've been through the same thing this past few weeks on the ever old debate of "law vs. grace" which of course includes the celebration and observance of the Feasts of YHWH. I made peace with that one years ago . . . then the Feasts of YHWH seems to open the door to the next debate of calendar and Name.
After much prayer and seeking, I will observe Shemitah this year which not only aligns with Israel's observance, but it is my 7th year on this place. I've received e-mails and teachings that we do not have to observe as well as emails and teachings that I'm a year early. This is where I stand and I shall not be moved. In discussion, I've even stated, if I'm wrong, I don't expect anyone to share their food with me. I also read that the wrong year will result in war. We're already at war, and more war is coming, whether I plant green beans next year or not.
I've also chosen to be steadfast when it comes to the law vs. grace debate based upon Scripture. Noah found grace in the eyes of Adonai, yet was given precise Instructions to follow. Torah is better translated Instruction than law . . . Isaiah tells us and Peter repeats that the Word of YHWH stands forever. I can't ignore and reject the first 3/4 of the Bible, then expect to hold YHWH to John 3:16!
I do not debate the pronunciation of our Father's Holy Name, but I hold steadfastly that His Name is to be shared and the Messiah's true Name is known to His own.
For he shall be as a tree planted by the waters, and that spreads out her roots by the river, and shall not see when heat cometh, but her leaf shall be green; and shall not be careful in the year of drought, neither shall cease from yielding fruit. Jeremiah 17:8
Sunday, September 21, 2014
One Letter Difference
Something has been irritating me for years and it finally dawned upon me, what the problem is. In the last 20 years or so, the term "consumer" has taken over the retail and service experience. Although it seemed subtle, it offended me, truly offended me. I sensed something being put into place. I felt a change of sorts, but couldn't quite put my finger on it, other than to realize, "the customer is always right" was soon to be history! I knew there was more to this. Tinfoil Hat Alert!
Can you remember the last time you were called a customer? Oh, there are still customer service phone reps for many companies, and a Customer Service Department in some retail stores. When calling a customer service line, there is a significant waiting period to actually hear a human voice after the initial recorded message, "Your call is important to us."
Through the years, I've sensed a real disconnect between what it was to be a customer and now among the herd of consumers. Some service oriented companies use the term "client," but for the most part we are all, now, considered to be consumers. In the years of progress regarding debit cards and check-out technology, the term "swipe" now means to process the card for payment. "Swipe" used to mean stealing, but I digress.
Although there is only one letter difference between CUSTOMER and CONSUMER, the difference in the definition changes everything.
CUSTOMER: Someone who pays for goods or services
CONSUMER: A person who uses goods or services
Another subtle step toward desensitization in regard to buying and selling . . .
Can you remember the last time you were called a customer? Oh, there are still customer service phone reps for many companies, and a Customer Service Department in some retail stores. When calling a customer service line, there is a significant waiting period to actually hear a human voice after the initial recorded message, "Your call is important to us."
Through the years, I've sensed a real disconnect between what it was to be a customer and now among the herd of consumers. Some service oriented companies use the term "client," but for the most part we are all, now, considered to be consumers. In the years of progress regarding debit cards and check-out technology, the term "swipe" now means to process the card for payment. "Swipe" used to mean stealing, but I digress.
Although there is only one letter difference between CUSTOMER and CONSUMER, the difference in the definition changes everything.
CUSTOMER: Someone who pays for goods or services
CONSUMER: A person who uses goods or services
Another subtle step toward desensitization in regard to buying and selling . . .
Sunday, September 14, 2014
The Blessing of Honor
In our country, it seems 99% of the population feels our society revolves around money. One percent have most of it, and 98% openly claim to be covetous of that fact.
Although there is a dollar value on this sign, the fact that there are still businessmen who operate on the honor system is refreshing. I enjoy doing that in my business as well! I presume my customers appreciate it as much as I appreciate this sign. My heart has truly rejoiced in being so blessed to live in an area that this is still possible and . . . openly advertised.
Obviously, for tax reasons, I can't just drop a bar of G-ma's Goatmilk Soap in the can under the tree, but it's so nice to see folks who still have a little faith in their fellowman. As I chose my watermelon, I felt the blessing of being able to do that, and the privilege of being trusted.
Sunday, September 7, 2014
The Difference
Most of our society has become oblivious to the concept of need vs. want. Then there's the fact that the concept of a finished product faded from factory work years ago, not to mention entertainment is now considered to be a service, as well as a necessity.
When we began working for money, wealth was defined by material possessions and how we spend our free time, the concept of a product and service truly got lost. It is my fervent hope that the Other 1% actually increases in numbers. An actual product and service based economy would change the imbalance of our current situation. I don't see that happening, but that would do it. It's really very simple math.
A few, very few people have most of the money, because the majority prefers to pay and gripe. If people stopped going to movies and watching sports, the celebrities and athletes would not be millionaires, and the media moguls and team owners would not be The One Percent.
I would love to see more people live above the poverty line, but raising minimum wage isn't the answer. Far too many folks just can't see what raising the minimum wage will actually do in this country. First and foremost, always remember, if politicians are for it, it won't benefit the people. Over half of the representatives in Washington are in The One Percent. This aristocracy crosses party lines . . . If minimum wage is raised to $11.00 an hour, that means everything that is assembled or served by folks making minimum wage will go up. It also means, the rest of the work force will will either insist upon higher wages, or their buying power will be reduced by the increase to cover the increased minimum wage.
Selling hamburgers is not manufacturing and phone plans are not really providing a service. Manufacturing used to involve making something tangible that was either lasting or met a "needed" purpose. A genuine product and service economy doesn't actually require money. The money is for convenience and taxes. A product and service economy provides a way for everyone to have what they need that they can't actually make or do for themselves. The auto industry used to be a great example of this. So was pre-pharmaceutical health care and genuine retail sales, for that matter.
Basically, it's not about the money at all, but rather it's about priorities. Poor people can be greedy. Wealthy people can be conscientious. The only thing that will change this faltering economy, and truthfully, I think it's too late, is for people to stop working for money and start using their G-d given talents to make or trade what they need to live. I speak from experience, entertainment is not so necessary when you enjoy your life.
When we began working for money, wealth was defined by material possessions and how we spend our free time, the concept of a product and service truly got lost. It is my fervent hope that the Other 1% actually increases in numbers. An actual product and service based economy would change the imbalance of our current situation. I don't see that happening, but that would do it. It's really very simple math.
A few, very few people have most of the money, because the majority prefers to pay and gripe. If people stopped going to movies and watching sports, the celebrities and athletes would not be millionaires, and the media moguls and team owners would not be The One Percent.
I would love to see more people live above the poverty line, but raising minimum wage isn't the answer. Far too many folks just can't see what raising the minimum wage will actually do in this country. First and foremost, always remember, if politicians are for it, it won't benefit the people. Over half of the representatives in Washington are in The One Percent. This aristocracy crosses party lines . . . If minimum wage is raised to $11.00 an hour, that means everything that is assembled or served by folks making minimum wage will go up. It also means, the rest of the work force will will either insist upon higher wages, or their buying power will be reduced by the increase to cover the increased minimum wage.
Selling hamburgers is not manufacturing and phone plans are not really providing a service. Manufacturing used to involve making something tangible that was either lasting or met a "needed" purpose. A genuine product and service economy doesn't actually require money. The money is for convenience and taxes. A product and service economy provides a way for everyone to have what they need that they can't actually make or do for themselves. The auto industry used to be a great example of this. So was pre-pharmaceutical health care and genuine retail sales, for that matter.
Basically, it's not about the money at all, but rather it's about priorities. Poor people can be greedy. Wealthy people can be conscientious. The only thing that will change this faltering economy, and truthfully, I think it's too late, is for people to stop working for money and start using their G-d given talents to make or trade what they need to live. I speak from experience, entertainment is not so necessary when you enjoy your life.
Sunday, August 31, 2014
The Love of Money
I find myself sitting in a very strange situation in which I have a view from what seems like both ends of the continuum in regard to "the love of money," here in America. I'm not really trying to tell all the family business, but in the past week, I've gotten to hear about it from both extremes, and both extremes can agree on one thing. I'm doing it wrong! I'm really not speaking out of turn, as they both speak quite openly about their perspective when it comes to money. Another point to make, is both extreme perspectives were given by the ones who have married good providers. Both of these women have explained to me about money, while neither have ever had to support themselves for any length of time . . . Actually, my mother has never had to support herself and my daughter, only briefly.
I have no idea how much money my parents have, but they do own a significant amount of land and their home has been paid for for over a quarter of a century. Daddy has been pretty much able to name his own price, professionally, since he retired. He is skilled in an area that simply requires years of cumulative knowledge with experience and great leadership qualities, so even at 75 years old, he gets calls. As they used to say in the 50s and 60s, my parents are "comfortable." In the past year they announced they are getting their affairs in order and it seemed to take months and professionals, so I'm thinking they should be set to live out their golden years with as much security as is possible in these times.
On the other end of that spectrum is my daughter and her husband. He also makes fantastic money, but he and my daughter lavish themselves in "living for the moment." They don't own their own home, still making a car payment and last I heard both still have outstanding debt on student loans for degrees neither of them use. My daughter refers to it as a "rockstar lifestyle." She's voiced more than once, she's expecting an economic collapse and they'll simply take on a nomadic lifestyle. She's pushing 40 and he's just a few years younger than I am. So there are the two extremes and I'm somewhere not even in the middle.
In the event of collapse, I plan to be a place of refuge, but not for those who expect the collapse and refused to prepare. So this will not be a refuge for broke, unprepared, aged rockstar wanna-bees. Also, off this continuum, unlike my parents; I don't plan to retire. Unlike many boomers, I didn't invest in big retirement stock plans, but as it turns out, I'm not any worse off for that decision. I did invest, but not in Wall Street. I plan to be working, until the day I die. Some say I'm ridiculous and that's okay. Now, the point of this article goes beyond anyone's income or lifestyle, but rather, I get to hear the judgment and the justification of both extremes.
My mother, of course, views her materialism as "blessing." She listens to the religious prosperity guys and the conservative talk show hosts. She doesn't see it as the "love of money," it's American Christian Capitalism! She is quite vocal in her admonishment of the way my daughter handles money. In her estimation I did not give my daughter a proper value of money. "I know, right!" Once I voice my disdain for my daughter's values, she lightens up and then defends her. Since my goal is to drop the subject, that works! My mother's big concern is outliving their money. She told me she'd spend every dime if my dad's health needed. And well she should, he's the one that earned it!
On to my daughter's amazing observation. She refers to her grandparents' money management has hoarding. But then, she also refers to my business inventory as hoarding. She has a wonderful vocabulary but frequently misuses terms, for exaggerated effect. She believes in spending everything her husband earns, on themselves and immediately. I got to view their family vacation to Vegas this year, and watched a granddaughter skyjump off the stratosphere. My grandson said he had the choice of doing that or two rides because the jump cost over $100.00 My daughter calls her grandparents, greedy hoarders, while her lifestyle is superficial opulence and waste.
In this country we've gone completely extreme and both ends are "the love of money." When money is more important than people and fear overrides faith, it's a problem. I think in the case of Daddy, their net worth reflects the result of his hard work and good management. On the other hand saving in fear, amassing off of the hard work of others, or spending in frivolous waste, is all very self-focused and just different forms of greed. I don't share my parents view of the importance of money, but they are always generous with gifts for family, especially grandchildren. I have come to see, while the wealthy are blamed in this country and often falsely accused, "the love of money" is not always reflected in a big bank account. Sometimes small bank accounts reflect greed of instant gratification and self-indulgent pleasure.
I have no idea how much money my parents have, but they do own a significant amount of land and their home has been paid for for over a quarter of a century. Daddy has been pretty much able to name his own price, professionally, since he retired. He is skilled in an area that simply requires years of cumulative knowledge with experience and great leadership qualities, so even at 75 years old, he gets calls. As they used to say in the 50s and 60s, my parents are "comfortable." In the past year they announced they are getting their affairs in order and it seemed to take months and professionals, so I'm thinking they should be set to live out their golden years with as much security as is possible in these times.
On the other end of that spectrum is my daughter and her husband. He also makes fantastic money, but he and my daughter lavish themselves in "living for the moment." They don't own their own home, still making a car payment and last I heard both still have outstanding debt on student loans for degrees neither of them use. My daughter refers to it as a "rockstar lifestyle." She's voiced more than once, she's expecting an economic collapse and they'll simply take on a nomadic lifestyle. She's pushing 40 and he's just a few years younger than I am. So there are the two extremes and I'm somewhere not even in the middle.
In the event of collapse, I plan to be a place of refuge, but not for those who expect the collapse and refused to prepare. So this will not be a refuge for broke, unprepared, aged rockstar wanna-bees. Also, off this continuum, unlike my parents; I don't plan to retire. Unlike many boomers, I didn't invest in big retirement stock plans, but as it turns out, I'm not any worse off for that decision. I did invest, but not in Wall Street. I plan to be working, until the day I die. Some say I'm ridiculous and that's okay. Now, the point of this article goes beyond anyone's income or lifestyle, but rather, I get to hear the judgment and the justification of both extremes.
My mother, of course, views her materialism as "blessing." She listens to the religious prosperity guys and the conservative talk show hosts. She doesn't see it as the "love of money," it's American Christian Capitalism! She is quite vocal in her admonishment of the way my daughter handles money. In her estimation I did not give my daughter a proper value of money. "I know, right!" Once I voice my disdain for my daughter's values, she lightens up and then defends her. Since my goal is to drop the subject, that works! My mother's big concern is outliving their money. She told me she'd spend every dime if my dad's health needed. And well she should, he's the one that earned it!
On to my daughter's amazing observation. She refers to her grandparents' money management has hoarding. But then, she also refers to my business inventory as hoarding. She has a wonderful vocabulary but frequently misuses terms, for exaggerated effect. She believes in spending everything her husband earns, on themselves and immediately. I got to view their family vacation to Vegas this year, and watched a granddaughter skyjump off the stratosphere. My grandson said he had the choice of doing that or two rides because the jump cost over $100.00 My daughter calls her grandparents, greedy hoarders, while her lifestyle is superficial opulence and waste.
In this country we've gone completely extreme and both ends are "the love of money." When money is more important than people and fear overrides faith, it's a problem. I think in the case of Daddy, their net worth reflects the result of his hard work and good management. On the other hand saving in fear, amassing off of the hard work of others, or spending in frivolous waste, is all very self-focused and just different forms of greed. I don't share my parents view of the importance of money, but they are always generous with gifts for family, especially grandchildren. I have come to see, while the wealthy are blamed in this country and often falsely accused, "the love of money" is not always reflected in a big bank account. Sometimes small bank accounts reflect greed of instant gratification and self-indulgent pleasure.
Sunday, August 24, 2014
Beefing Up the Investments
This spring, I heard and have shared, that I am to prepare practically. That meant the hobby farm herd needed to be upgraded to actual productivity. Now that the grandkids have outgrown me, and their pygmy goats were aging and not mothering so well, it was time to reassess the whole situation. Since they rarely visit anymore, and when they do, have no interest in the critters, it seems much more economically advantageous to stop spending money on feed and when I sell next year's kids, just put some money in their accounts.
That led to more figuring. I figured the cost of raising my grass fed beef, which led to the discovery that the price of a milk goat is about the same as a couple of bags of milk replacer. I love figuring stock investment on real stock and real investment. Even if I don't process the beef myself, but pay the local locker plant to do the deed, and figure the price of a milk goat in each calf, my grass fed beef will be less than $2.00 a pound, and Abba willing, there will be kids to sell and more milk next spring. A healthy milk goat will provide milk for about 8 years, plus produce offspring for herd expansion annually.
I'm not counting my chickens before they hatch, but I'll give some figures, since I've been at this awhile. The average milk goat, in milk, runs between $100 and $200 dollars. There are cheaper ones, but they're usually old and there are much more expensive ones, but that's usually for the registered ones, and that doesn't make the milk taste any better. Although I'm giving a single example, I keep a herd of about a dozen and generally milk about half of them at a time. So, taking the average, a $150 milk goat will produce enough milk to raise a bottle calf and her own kid. I don't buy any milk at the store, make my own cheese, as well as provide goat's milk for my soap company. Now in a milk goat's lifetime, she will also produce about a dozen kids, maybe more, which are either sold or kept to replenish the herd. Selling one set of twins usually pays for the price of mama and there are still seven more years of kids, milk, and bottle calves . . . not to mention goats make wonderful pets. I can get 3 goats for the price of a puppy from the pet store or some breeders!
This is the kind of stock I can appreciate. There is minimal volatility and some fluctuation, but it's primarily seasonal variables, so it doesn't come as a shock! When the economy began to crumble in 2007, very little of my personal investments were affected. Since beef prices are so high, I decided to hang all the new goat investment on the cost of raising my own beef, and it's still coming in much cheaper than buying beef at the super market. The new members of the herd are really cheap pets, too.
Sunday, August 17, 2014
A Very Odd Feeling
In fifty-six years on the planet, I've never experienced the feeling I got a few days ago and continue to have. Let me give a little background of my view regarding money.
In my childhood, I handled money by permission, permission, only. The allowance I earned came with a number of designated destinations, per parental mandate. They didn't make me pay for food or pitch in on gas money, but about a third was designated for Sunday School and that much also went to my savings account, so that left me saving for the high end dime store desires. As I got older, there were more complex arrangements made, but to be honest, in the back of my mind, I had no intention of handling money the way my parents did . . . and once I was an adult, I haven't.
I trusted the wrong person, once to make a deposit, and after that fiasco, I never repeated that mistake. I had a husband with an addiction problem, and I learned to navigate that financial dilemma. By the age of 25, I planned to be debt free by 40, so I developed some pretty good spending and savings habits, even a few investment plans. From 25 on, my husband made decent money and took care of responsibility, but we didn't share the same goal. By the time I met Messiah at 36, my attitude about money changed again. Savings wasn't really my focus. I simply did not spend money on something I didn't need, and my needs were diminishing rapidly. By 40, I was debt free, and when that happens, life can become really inexpensive. Of course, before 41, I had a high maintenance kid come home . . . so having tasted how inexpensive life could be, I had enough savings to cover that.
Since that time, I've remained debt free and maintained my attitude of saving what I don't spend, and that's what changed this week. It began last week, but became almost urgent this week. I felt a real constraint to see what needed to be purchased to bring everything up to non-dependent status on the system, and divest of paper money. I knew this day was coming, when money in the bank would not be security for hard times. I started counting my pennies and checking into nonperishable business supplies, as well as perusing Craig's list for everything from goats to tiny houses to other sites for good batteries and wind and solar items.
I've had this feeling twice before. The first time was back in 2006 when I felt the need to divest of my stock holdings, and I did, thankfully before the crash. The next time was when when gold was skyrocketing. I told this individual that the gold market was being driven by fear in buyers and it was not a sustainable market. I recommended that they divest of gold, stop buying and divest of what they had bought through the recent surge. I stated clearly the beginning of August 2011, "The relative price of gold between silver and platinum should be around $1300.00, and the current value was being inflated. Sell while you can get over $1800.00 an ounce because it's going to start dropping." Gold began to drop later that same month. It spiked once in early September, then dropped fairly steadily to where it sits today, just over $1300.00 and ounce. This is not to take us on a tangent of precious metals, but the same feeling I had about gold in 2011 is what I have about federal reserve notes, now.
Many with pension plans and 401Ks were affected by the stock market and bank fiasco. Not all of us were personally affected by the inflated value and decline of gold, but the loss of the value of the dollar will affect us all. I'm going to conclude this article to order reusable canning lids before Shabbat.
In my childhood, I handled money by permission, permission, only. The allowance I earned came with a number of designated destinations, per parental mandate. They didn't make me pay for food or pitch in on gas money, but about a third was designated for Sunday School and that much also went to my savings account, so that left me saving for the high end dime store desires. As I got older, there were more complex arrangements made, but to be honest, in the back of my mind, I had no intention of handling money the way my parents did . . . and once I was an adult, I haven't.
I trusted the wrong person, once to make a deposit, and after that fiasco, I never repeated that mistake. I had a husband with an addiction problem, and I learned to navigate that financial dilemma. By the age of 25, I planned to be debt free by 40, so I developed some pretty good spending and savings habits, even a few investment plans. From 25 on, my husband made decent money and took care of responsibility, but we didn't share the same goal. By the time I met Messiah at 36, my attitude about money changed again. Savings wasn't really my focus. I simply did not spend money on something I didn't need, and my needs were diminishing rapidly. By 40, I was debt free, and when that happens, life can become really inexpensive. Of course, before 41, I had a high maintenance kid come home . . . so having tasted how inexpensive life could be, I had enough savings to cover that.
Since that time, I've remained debt free and maintained my attitude of saving what I don't spend, and that's what changed this week. It began last week, but became almost urgent this week. I felt a real constraint to see what needed to be purchased to bring everything up to non-dependent status on the system, and divest of paper money. I knew this day was coming, when money in the bank would not be security for hard times. I started counting my pennies and checking into nonperishable business supplies, as well as perusing Craig's list for everything from goats to tiny houses to other sites for good batteries and wind and solar items.
I've had this feeling twice before. The first time was back in 2006 when I felt the need to divest of my stock holdings, and I did, thankfully before the crash. The next time was when when gold was skyrocketing. I told this individual that the gold market was being driven by fear in buyers and it was not a sustainable market. I recommended that they divest of gold, stop buying and divest of what they had bought through the recent surge. I stated clearly the beginning of August 2011, "The relative price of gold between silver and platinum should be around $1300.00, and the current value was being inflated. Sell while you can get over $1800.00 an ounce because it's going to start dropping." Gold began to drop later that same month. It spiked once in early September, then dropped fairly steadily to where it sits today, just over $1300.00 and ounce. This is not to take us on a tangent of precious metals, but the same feeling I had about gold in 2011 is what I have about federal reserve notes, now.
Many with pension plans and 401Ks were affected by the stock market and bank fiasco. Not all of us were personally affected by the inflated value and decline of gold, but the loss of the value of the dollar will affect us all. I'm going to conclude this article to order reusable canning lids before Shabbat.
Sunday, August 10, 2014
Money Wise
Many are not happy with the current state of America. Candidate Obama promised Hope and Change. There's been plenty of change, but it isn't the change many hoped for. I think the biggest reason for the let down and disappointment is, he's clearly just a placeholder who is protected by political correctness. There is no way to make a claim against this man without being classified and labeled as something horrible, in the name of tolerance.
If I had a dollar for every person who said, "Well we all can't just drop out and leave the grid . . ." Strange how becoming less dependent is now considered dropping out. I've hardly dropped out. I'm more vocal than I've ever been, and I can share it with the world from my obscure little homestead. I didn't relocate and double my work load to drop out. Hardly! I'm working out the bugs and recapturing what our society lost, to be able to share it and offer an alternative to utter and total dependence. The fact that I don't vote, doesn't mean I don't care. It doesn't mean I've given up. It means I recognize the fact: "the lesser of two evils is still evil." I'm not counting on Washington DC to do anything except continue in the momentum of being on the wrong side of the fulfillment of prophecy. I've gone a step further and I've been hesitant to share it, but I will today.
In 2003, I determined that I would live below the federal poverty level, so as not to fund things I don't believe in, like unjust wars, gay rights, and abortion. I'm not alone in this. I still pay FICA and state tax, I just don't have an income that exceeds the federal tax guidelines. That may prove to be an added blessing when the penalty for no Obamacare is assessed. I've been at this for over a decade now and living quite comfortably. Instead of pouring money into action groups that appear to be ineffective, I'm cutting the funding. Every group in Washington is just part of the big MONOPOLY game.
The Other 1 Percent has realized we do not need Big Corporate Lobbyists to buy politicians. I don't have to be a millionaire to be heard. If Washington DC wants to treat us like peasants, let them. I know how to be effective with my dollars! They can't keep printing money, forever. The more simply I live, the better I feel and the more freedom I have. Technically, I don't have more freedom than any other American, but I certainly have less bondage than much of society. Dependency is bondage. Here's the really great thing about the decision I made. I actually have more to share now . . .
If I had a dollar for every person who said, "Well we all can't just drop out and leave the grid . . ." Strange how becoming less dependent is now considered dropping out. I've hardly dropped out. I'm more vocal than I've ever been, and I can share it with the world from my obscure little homestead. I didn't relocate and double my work load to drop out. Hardly! I'm working out the bugs and recapturing what our society lost, to be able to share it and offer an alternative to utter and total dependence. The fact that I don't vote, doesn't mean I don't care. It doesn't mean I've given up. It means I recognize the fact: "the lesser of two evils is still evil." I'm not counting on Washington DC to do anything except continue in the momentum of being on the wrong side of the fulfillment of prophecy. I've gone a step further and I've been hesitant to share it, but I will today.
In 2003, I determined that I would live below the federal poverty level, so as not to fund things I don't believe in, like unjust wars, gay rights, and abortion. I'm not alone in this. I still pay FICA and state tax, I just don't have an income that exceeds the federal tax guidelines. That may prove to be an added blessing when the penalty for no Obamacare is assessed. I've been at this for over a decade now and living quite comfortably. Instead of pouring money into action groups that appear to be ineffective, I'm cutting the funding. Every group in Washington is just part of the big MONOPOLY game.
The Other 1 Percent has realized we do not need Big Corporate Lobbyists to buy politicians. I don't have to be a millionaire to be heard. If Washington DC wants to treat us like peasants, let them. I know how to be effective with my dollars! They can't keep printing money, forever. The more simply I live, the better I feel and the more freedom I have. Technically, I don't have more freedom than any other American, but I certainly have less bondage than much of society. Dependency is bondage. Here's the really great thing about the decision I made. I actually have more to share now . . .
Sunday, August 3, 2014
Humble is Redefined
The new definition isn't sitting well with me. With all the new ways to solicit donations on the net, I'm very unsettled that so many folks seem to be establishing themselves or a friend as a not for profit charitable cause, referring to the plan as being "humbled." These sites not only solicit donations for all sorts of various causes and events, but the websites themselves exact a fee. I have a problem with this on many levels. First and foremost, I'm not going to pay a fee to donate. [PERIOD] The next concern I have, is the fact that most of this is handled by credit card, and you cannot donate what you don't really have. A credit donation is really no different in operation than our indebted government with all of it's social services. By taking needs to an official website to solicit funds, I'm guessing that will be assessed as income for the recipient. Check the tax laws! It won't be persecution, if taxes are not paid on income received! Then there is also the ever expanding list of terrorist organizations. The penalty for that is certainly not going to land on the politically or religiously well connected, but rather; the poor schlemiel who thought he was helping.
I do take the needs of people very seriously, especially those who do not solicit funds. I'm going to share my way of reaching out and invite others to share their methods of discernment when it comes to offerings and assistance. First I ask Abba for the opportunity to be a blessing to someone. That way, I don't have to go looking and forcing my assistance on anyone. I've been blessed with the opportunity to send product from my store, at no charge to someone in need. I also offer financial assistance when I know of a particular need or crisis and usually that information comes from a mutual friend, not the person, themselves. I don't believe hearing about a need or sharing one is gossip, it's simply a request for prayer or an answer to prayer to be a blessing.
By taking requests and donations to the internet, we've expanded the potential for help, but truly taken the personal touch out of helping. We've also done something else though. We've redefined the term humble. There are a number of people who have no qualms about sharing their financial status and I think that should be more of a private matter. As times continue to become more difficult, and they will, we really need to be aware that anyone can now solicit donations for anything or anyone, they deem to be a worthy cause.
I've even seen businesses seeking donations to expand their business. Now that we have finally come to understand our economy cannot really be sustained or grow by just selling each other hamburgers and make-up, we need to realize; only politicians and big name preachers can become prosperous by donation. Accepting donations is not universally an act of humility. In many cases, soliciting donations has simply taken the shame out of begging.
I do take the needs of people very seriously, especially those who do not solicit funds. I'm going to share my way of reaching out and invite others to share their methods of discernment when it comes to offerings and assistance. First I ask Abba for the opportunity to be a blessing to someone. That way, I don't have to go looking and forcing my assistance on anyone. I've been blessed with the opportunity to send product from my store, at no charge to someone in need. I also offer financial assistance when I know of a particular need or crisis and usually that information comes from a mutual friend, not the person, themselves. I don't believe hearing about a need or sharing one is gossip, it's simply a request for prayer or an answer to prayer to be a blessing.
By taking requests and donations to the internet, we've expanded the potential for help, but truly taken the personal touch out of helping. We've also done something else though. We've redefined the term humble. There are a number of people who have no qualms about sharing their financial status and I think that should be more of a private matter. As times continue to become more difficult, and they will, we really need to be aware that anyone can now solicit donations for anything or anyone, they deem to be a worthy cause.
I've even seen businesses seeking donations to expand their business. Now that we have finally come to understand our economy cannot really be sustained or grow by just selling each other hamburgers and make-up, we need to realize; only politicians and big name preachers can become prosperous by donation. Accepting donations is not universally an act of humility. In many cases, soliciting donations has simply taken the shame out of begging.
Sunday, July 27, 2014
The Black Card
Probably, at least two credit card offers a week, arrive in the mail. I'm not a high roller, so they usually just go in File 13, but a recent one caught my eye. It was an offer for a VISA Black Card. The envelope was huge, and this just had a completely different style than anything I've received to date. Of course, it was by "Limited Invitation." Upon opening the envelope, "Luxury Without Limits" was the line in large print came into view. This was just too much.
The card itself is made of stainless steel and carbon! The card composition and construction is actually protected by a US patent. A brochure that I'm sure was not cheaply designed or crafted contained all sorts of special amenities that come with this card. Special travel privilege, upgraded accommodations, all sorts of perks were described in this several page brochure. Stated simply, above the web address and phone number, on the back of the brochure was: "The World Awaits."
With the possible exception of being Biblically translated, my traveling days are over. Even knowing this fact, my curiosity was piqued. What captivated my interest, was the expense invested in this so-called invitation. Catalogues and printed material are a major expense in my business, so I'm somewhat aware of the cost of paper grades, and multi page, duplex printing. Then I got to the interest rates. Of course the introductory rate was 0%. How long has the Federal Reserve had the interest rates at 0%, now? Five years or something like that! As soon as the introductory rate ends the interest rate skyrockets for purchases and looks like loan sharking for cash advances . . . The penalty APR was frightening, but that's not all! Then, there was the fine print . . .
The grand opportunity for the appearance of opulence could be mine for the mere annual fee of $495.00! And I could order extra cards for authorized users at $195.00 each.
When an economy is founded on marketing a product in which it's only value is to increase debt and offer the delusion of grandiose importance and is actually now selling credit, the economy has already collapsed. Although it's presented to be breathing life into a recovering economy, discernment tells me, the black card is the over priced funeral to bury the already dead economy.
For the love of money is the root of all evil: which while some coveted after, they have erred from the faith . . . New Testament.
The card itself is made of stainless steel and carbon! The card composition and construction is actually protected by a US patent. A brochure that I'm sure was not cheaply designed or crafted contained all sorts of special amenities that come with this card. Special travel privilege, upgraded accommodations, all sorts of perks were described in this several page brochure. Stated simply, above the web address and phone number, on the back of the brochure was: "The World Awaits."
With the possible exception of being Biblically translated, my traveling days are over. Even knowing this fact, my curiosity was piqued. What captivated my interest, was the expense invested in this so-called invitation. Catalogues and printed material are a major expense in my business, so I'm somewhat aware of the cost of paper grades, and multi page, duplex printing. Then I got to the interest rates. Of course the introductory rate was 0%. How long has the Federal Reserve had the interest rates at 0%, now? Five years or something like that! As soon as the introductory rate ends the interest rate skyrockets for purchases and looks like loan sharking for cash advances . . . The penalty APR was frightening, but that's not all! Then, there was the fine print . . .
The grand opportunity for the appearance of opulence could be mine for the mere annual fee of $495.00! And I could order extra cards for authorized users at $195.00 each.
When an economy is founded on marketing a product in which it's only value is to increase debt and offer the delusion of grandiose importance and is actually now selling credit, the economy has already collapsed. Although it's presented to be breathing life into a recovering economy, discernment tells me, the black card is the over priced funeral to bury the already dead economy.
For the love of money is the root of all evil: which while some coveted after, they have erred from the faith . . . New Testament.
Sunday, July 20, 2014
How Much Does "The Thought Count?"
We often hear and many use the old cliche, "it's the thought that counts." Let's think about that for just a moment. Usually, that statement is made when the outcome has proven unfruitful. "It's the thought that counts," seems akin to "good intentions." Since we know the destination of the road paved with good intentions it seems good intentions have already been given their bad rap. How is that "it's the thought that counts" continues to be acceptable? It's a ready made excuse.
I've been thinking about this all week and just how little "the thought" does count. Granted thoughts can turn into words and even actions, but those are usually just the bad ones . . . Good thoughts without action don't count. For example, imagine how excited my social media friends would be if I mentioned I was thinking about sending a quart of fresh blackberries to the first 25 people that liked one of my posts. Clearly, without follow through, the thought would not count. And I'm sorry about not being able to share blackberries by mail . . .
As I surveyed my garden and kitchen this week, the thought occurred to me, how little "just thinking" about canning actually accomplishes. Granted we have to have a plan to attain a goal, but in the grand scheme of things, thinking the plan through is the easy part. Carrying out the plan is the work and what actually counts. It's as if "it's the thought that counts" has removed personal responsibility, because most of our society simply buys what we want without much planning. I'm not in the other 1% by default of The One Percent. Nor am in the 98% because I'm protesting financial wealth. I like the independence and freedom away from the programming of the financial divisions.
On my bar now sits about five dozen jars of various fruits and vegetables for consumption this winter and next year. If I'd thought about scalding tomatoes or shucking corn, rather than actually accomplishing that, the tomatoes would probably be rotten, and the corn would be turning to whiskey on the ear. Certainly, neither would be in jars to be a part of a meal down the road. If I'd thought about picking blackberries, and hoped the thought would count, I'd not have any blackberries canned.
As a matter of fact, I think this One Percent and 98% actually disproves, the old saying "it's the thought that counts." If the thought counted, the protest would have shifted the wealth . . .
I've been thinking about this all week and just how little "the thought" does count. Granted thoughts can turn into words and even actions, but those are usually just the bad ones . . . Good thoughts without action don't count. For example, imagine how excited my social media friends would be if I mentioned I was thinking about sending a quart of fresh blackberries to the first 25 people that liked one of my posts. Clearly, without follow through, the thought would not count. And I'm sorry about not being able to share blackberries by mail . . .
As I surveyed my garden and kitchen this week, the thought occurred to me, how little "just thinking" about canning actually accomplishes. Granted we have to have a plan to attain a goal, but in the grand scheme of things, thinking the plan through is the easy part. Carrying out the plan is the work and what actually counts. It's as if "it's the thought that counts" has removed personal responsibility, because most of our society simply buys what we want without much planning. I'm not in the other 1% by default of The One Percent. Nor am in the 98% because I'm protesting financial wealth. I like the independence and freedom away from the programming of the financial divisions.
On my bar now sits about five dozen jars of various fruits and vegetables for consumption this winter and next year. If I'd thought about scalding tomatoes or shucking corn, rather than actually accomplishing that, the tomatoes would probably be rotten, and the corn would be turning to whiskey on the ear. Certainly, neither would be in jars to be a part of a meal down the road. If I'd thought about picking blackberries, and hoped the thought would count, I'd not have any blackberries canned.
As a matter of fact, I think this One Percent and 98% actually disproves, the old saying "it's the thought that counts." If the thought counted, the protest would have shifted the wealth . . .
Sunday, July 13, 2014
Land vs. Buildings
Another revelation or realization came to me . . . I know, for many of you it's a "doh moment," but for me it's revelation knowledge. Did you know, the tax on land is minimal, while the tax on "improvements" i.e. buildings [improvements] is the expense and government money maker? The tax on unimproved land or land with small or mobile buildings pales in comparison to the tax debt for large structures.
At the first homestead, along with my home, there was a welhouse, it was a fine wellhouse, but a permanent structure and I had a barn built. The taxes doubled . . . When I moved I was a bit smarter this time around. I did my homework and although the well box is not nearly as attractive as the wellhouse on the old place, it is functional, and everything I used to keep in the wellhouse now fits neatly into the milking parlor, which happens to be a portable building.
As for a barn, heat rises . . . I found the most wonderful large wooden boxes, about 4' X 4' at a great price, and the goats just love them. I can move them, rather than shovel them out for cleaning, and since they are just about a foot taller than the goats, the body heat is kept at "goat level." Since they can be moved, they are not a permanent structure according to the county assessor.
The simple fact of the matter is I pay less real estate tax on 10 acres than I did on two. I'm in the same county, but I am off the beaten path, so I also don't have road frontage.
If you're thinking about divesting of mainstream, consider the all the variables for maximizing the investment and maintaining a tax liability. Shelter is important, but most of us exceed our actual need. The land is producing fruits, vegetables, and providing grazing for a supply of meat, milk, and eggs. The house, on the other hand, doesn't produce anything, but dust.
As for a barn, heat rises . . . I found the most wonderful large wooden boxes, about 4' X 4' at a great price, and the goats just love them. I can move them, rather than shovel them out for cleaning, and since they are just about a foot taller than the goats, the body heat is kept at "goat level." Since they can be moved, they are not a permanent structure according to the county assessor.
The simple fact of the matter is I pay less real estate tax on 10 acres than I did on two. I'm in the same county, but I am off the beaten path, so I also don't have road frontage.
If you're thinking about divesting of mainstream, consider the all the variables for maximizing the investment and maintaining a tax liability. Shelter is important, but most of us exceed our actual need. The land is producing fruits, vegetables, and providing grazing for a supply of meat, milk, and eggs. The house, on the other hand, doesn't produce anything, but dust.
Sunday, July 6, 2014
Liberty!
This video shares a simple observation above and beyond the proposed "issue." It's not religious dogma, nor is it political programming, it's simply an observation by a gentleman that makes a lot of sense.
https://www.youtube.com/watch?v=SBuFqjS4-Lg
https://www.youtube.com/watch?v=SBuFqjS4-Lg
Sunday, June 29, 2014
A Real Job
I don't truly know my parent's financial status, but money is important, very important to them. What strikes me, however; is their disappointment in me for not sharing their values regarding money. I'm not wasteful, but I don't think I need a million dollars to be happy. As a matter of fact, I truly think being in The One Percent, could negatively affect my happiness. I think G-d knows that about the majority of His people. I'm not claiming poverty here at all, but earthly wealth appears quite burdensome. I've been broke, and that also has a negative impact, but that's not the point today.
Unless it's inherited, earthly wealth requires a great deal of prioritized planning. For many it becomes their main priority.
I've not taken a vow of poverty, and I don't intend to, because that would still be making money a priority, albeit a negative one.
I think Daddy has finally made peace with the fact, I'm 56 years old and simply not interested in trying to make a million. It seems every time I do see my parents, they offer an idea of how I could be generating an income. I'm not anti-money and I do have an income, I just don't think a stack of papers or the number of zeros in my bank account is wealth.
I do want to leave genuine wealth to the next generation, should Messiah tarry. I feel the Goshen Gazette is one of the most valuable priorities I can have, as earthly things go. The knowledge and abilities I've gained to operate in the talents our Creator gave me, is wealth. That wealth becomes more valuable when it's shared. That is true wealth! The most valuable of riches, of course is my relationship with YHWH in Y'hshuwah. It's not about a special place when I die, He is the G-d of the living and a relationship with Him is everlasting. My God does supply all my need according to His riches in glory by Messiah Y'hshuwah. Money cannot buy what I have!
Apparently I need to be in the book of Ecclesiastes, because several passages from that book have come to mind this week. The human author made a number references to wealth and vanities, vanities . . . When I left my previous career for the ministry, many thought it would just be a passing fancy. They were sure I'd snap out of this zealotry in a couple of years, but that isn't what happened, at all. My walk with Y'hshuwah has taken me farther away from a social mainstream lifestyle. I do have zeal, but I don't know that I'd call myself a zealot. My life is more like that Gaither song, "The longer I serve Him, the sweeter He grows." Serving YHWH and following His Son, is my real job!
I've not taken a vow of poverty, and I don't intend to, because that would still be making money a priority, albeit a negative one.
I think Daddy has finally made peace with the fact, I'm 56 years old and simply not interested in trying to make a million. It seems every time I do see my parents, they offer an idea of how I could be generating an income. I'm not anti-money and I do have an income, I just don't think a stack of papers or the number of zeros in my bank account is wealth.
I do want to leave genuine wealth to the next generation, should Messiah tarry. I feel the Goshen Gazette is one of the most valuable priorities I can have, as earthly things go. The knowledge and abilities I've gained to operate in the talents our Creator gave me, is wealth. That wealth becomes more valuable when it's shared. That is true wealth! The most valuable of riches, of course is my relationship with YHWH in Y'hshuwah. It's not about a special place when I die, He is the G-d of the living and a relationship with Him is everlasting. My God does supply all my need according to His riches in glory by Messiah Y'hshuwah. Money cannot buy what I have!
Apparently I need to be in the book of Ecclesiastes, because several passages from that book have come to mind this week. The human author made a number references to wealth and vanities, vanities . . . When I left my previous career for the ministry, many thought it would just be a passing fancy. They were sure I'd snap out of this zealotry in a couple of years, but that isn't what happened, at all. My walk with Y'hshuwah has taken me farther away from a social mainstream lifestyle. I do have zeal, but I don't know that I'd call myself a zealot. My life is more like that Gaither song, "The longer I serve Him, the sweeter He grows." Serving YHWH and following His Son, is my real job!
Sunday, June 22, 2014
Investing
Someone recently asked my advice regarding investments. I've posted various basics through this blog, but I discovered another individual who offers similar advice for folks who are city dwellers. We know, even the federal reserve, is unwilling to consider their notes worthy of interest. There has been a virtually 0% interest rate for 5 years now. Since the feds have lost "interest" in their notes, I'm guessing they already know, the dollar as we know it, will soon be history.
Wall Street is basically built upon the federal reserve notes, or along side, so if it survives the demise of the dollar, it will be a part of the bigger picture, or the NWO. Since Scripture says, the love of money is the root of all evil, I'm guessing Wall Street will hang on through the one world government, under new management. The purchase of silver and gold is, of course, traced, and Shemitah begins at Yom Teruah.
It's time for to make investments for practical living. Here's a video featuring Christopher Greene
Wall Street is basically built upon the federal reserve notes, or along side, so if it survives the demise of the dollar, it will be a part of the bigger picture, or the NWO. Since Scripture says, the love of money is the root of all evil, I'm guessing Wall Street will hang on through the one world government, under new management. The purchase of silver and gold is, of course, traced, and Shemitah begins at Yom Teruah.
It's time for to make investments for practical living. Here's a video featuring Christopher Greene
Sunday, June 15, 2014
Stock(s) and Dividends
Before the economic collapse, I believe it was back in 2006, I heard YHWH tell me to sell my stock on Wall Street. I'm so glad I listened and obeyed! That was a big step at the time. Two years before I was fifty, to sell what I thought was the smart American way to plan. I truly thought ownership in a few stocks was fiscal responsibility. I was careful in what I bought. I didn't buy stock in pharmaceutical companies, those that had outsourced, or those that monopolized. I thought I was truly a conscientious stockholder. Obviously, I was not a major stockholder in any company . . . Then YHWH told me to sell to invest in my purpose.
Nearly 8 years later, I can report, the stock has increased and the dividends are actually now notable. I got out before the economic collapse, so I didn't lose any investments, and was actually able to expand the homestead, thus investing in more stock . . . of the four-legged variety. My land holdings have increased substantially, so I'm now raising my own beef. I couldn't afford beef if I wasn't raising it. My off grid investment is not only paying off for future independence, but has actually lowered my one and only utility bill, electricity.
To bring together stock(s), dividends and utilities, I had an interesting experience earlier this week. Raising livestock, in order to keep the herd at the size I'm led to maintain, I sell an average of 12 to 24 goats a year. It's not a huge number, but it brings in more than I ever got in a monthly dividend from Wall Street. Usually my Wall Street stock paid quarterly dividends that amounted to a couple of tanks of gasoline every three months. Selling a few goats on craigslist or the auction, really does make enough to pay for some expenses I'm not led to deduct. Usually, selling the spring kids pays for the organic feed for the milkers, which provide milk for drinking and cheese making, milk for G-ma's Goatmilk Soap, and milk for the bottle calves; which eventually end up in the freezer and on the table . . .
I've also discovered through this cold winter that selling kids pays the electric bill. In realizing what a lovely opportunity with which I was blessed in three doelings, I knew a decision must be made between the offspring and the sire. I opted to keep the doelings and sell the sire. I was absolutely amazed at what he brought. I now have three doelings to contribute to next year's herd plus the price of kids to pay for the feed, and the sale of the buck to more than pay for the electric bill! YHWH is good. El Shaddai is more than enough!!!
Although I still use federal reserve notes, I've discovered in revising my dependency from the fiat currency system, I don't see the DOLLAR as the goal, but rather; only a tool of convenience between minimal expense and vast opportunity, until that door is closed . . .
Nearly 8 years later, I can report, the stock has increased and the dividends are actually now notable. I got out before the economic collapse, so I didn't lose any investments, and was actually able to expand the homestead, thus investing in more stock . . . of the four-legged variety. My land holdings have increased substantially, so I'm now raising my own beef. I couldn't afford beef if I wasn't raising it. My off grid investment is not only paying off for future independence, but has actually lowered my one and only utility bill, electricity.
To bring together stock(s), dividends and utilities, I had an interesting experience earlier this week. Raising livestock, in order to keep the herd at the size I'm led to maintain, I sell an average of 12 to 24 goats a year. It's not a huge number, but it brings in more than I ever got in a monthly dividend from Wall Street. Usually my Wall Street stock paid quarterly dividends that amounted to a couple of tanks of gasoline every three months. Selling a few goats on craigslist or the auction, really does make enough to pay for some expenses I'm not led to deduct. Usually, selling the spring kids pays for the organic feed for the milkers, which provide milk for drinking and cheese making, milk for G-ma's Goatmilk Soap, and milk for the bottle calves; which eventually end up in the freezer and on the table . . .
I've also discovered through this cold winter that selling kids pays the electric bill. In realizing what a lovely opportunity with which I was blessed in three doelings, I knew a decision must be made between the offspring and the sire. I opted to keep the doelings and sell the sire. I was absolutely amazed at what he brought. I now have three doelings to contribute to next year's herd plus the price of kids to pay for the feed, and the sale of the buck to more than pay for the electric bill! YHWH is good. El Shaddai is more than enough!!!
Although I still use federal reserve notes, I've discovered in revising my dependency from the fiat currency system, I don't see the DOLLAR as the goal, but rather; only a tool of convenience between minimal expense and vast opportunity, until that door is closed . . .
Monday, June 9, 2014
Proven to Be Effective
As the next round of elections draw near, I've noticed many are not gearing up to cast their ballot. There seem to be two prevailing reasons for this trend away from voting. First and foremost, many have recognized America is not a G-dly nation. This leaves us to recognize this country to be one of three things. America is either an extension and continuation of ancient Rome or a part of Babylon. I believe the feet of iron mixed with clay referenced in Daniel will be the Babylon mentioned in the Revelation. So, if America doesn't fit in that description for the end of days, America is the harlot of Babylon.
Regardless of those options, believers do not want to be an active participant in something G-d is against.
The second reason I'm hearing is perhaps related to the first reason for many, and for some, it's just become a glaring fact of life. The so called elected representatives, represent their own best interest which appears to be lining their pockets and the people truly do not have representation. The bottom line is many do not believe the election process is on the up and up.
We're not dropping out though, and we're not going underground. We are voicing our ideas, our thoughts, and sharing what we are doing that is working. I, for one, am not going to spend any more valuable energy on something that won't work. I used to really believe that change could come through Washington DC. I won't say change hasn't come, but I don't care for the change that has arrived. Since I didn't care for it last administration, or the one before that, I've now realized I can't vote in the change I want.
I can pray, and I can live the change I want in myself. When I think of the impact twelve men without political power made in this world nearly 2000 years ago, I feel that same purpose and method is where my energy would be better spent. They had no lobby, they had no political connections, and there's no record of building funds or private ships, but they stood before leaders.
Regardless of those options, believers do not want to be an active participant in something G-d is against.
The second reason I'm hearing is perhaps related to the first reason for many, and for some, it's just become a glaring fact of life. The so called elected representatives, represent their own best interest which appears to be lining their pockets and the people truly do not have representation. The bottom line is many do not believe the election process is on the up and up.
We're not dropping out though, and we're not going underground. We are voicing our ideas, our thoughts, and sharing what we are doing that is working. I, for one, am not going to spend any more valuable energy on something that won't work. I used to really believe that change could come through Washington DC. I won't say change hasn't come, but I don't care for the change that has arrived. Since I didn't care for it last administration, or the one before that, I've now realized I can't vote in the change I want.
I can pray, and I can live the change I want in myself. When I think of the impact twelve men without political power made in this world nearly 2000 years ago, I feel that same purpose and method is where my energy would be better spent. They had no lobby, they had no political connections, and there's no record of building funds or private ships, but they stood before leaders.
Sunday, June 1, 2014
Incrementally
The other day, upon entering the grocery store, I saw what I've seen coming for some time, now, but it was glaring. A grocery store supposedly known for its "low prices" had rearranged again. I've been following and reporting some of the incremental changes that have taken place, but this one struck deeply, in that I hadn't been there in nearly two months. The changes were literally monumental.
The cash registers were reduced in number and the layout of the checkout lines had been mirrored. It might not seem like a big deal, but it held significance. It was as if that had been done just to distract customers from noticing the bigger changes. All of the aisles were literally moved half way back in the store, and one aisle had been removed, completely. Three years ago there were seven aisles in the store and the aisles began about 12 feet from the checkout. Last year, it was reduced to six aisles with a larger display area near the cash registers. Now the "Number 6 sign" is just hung on the south wall, and there are all sorts of non-food displays between the actual aisles and the check out. This is so difficult to describe . . . Nearly half of that grocery store is now displaying non-food items, impulse purchases, and checkout area, with 1 of 5 aisles fully displaying paper and cleaning products. Of course, the prepackaged and junk food inventory has increased.
Sadly, the first aisle which formerly displayed the canned vegetables was now home to the bread shelves, and they were all but empty. The bread shelves, lining the north wall contained 3 loaves of bread. The section that once contained canning supplies is now the packaged snack cake section. This is not fear-mongering, this is accurate reporting of what has taken place and the time in which it has occurred. I'm not the only one noticing this, either. The food supply and availability is definitely controlled and is now obviously being altered.
The link below carries an article explaining another way, the food availability is being reduce.
http://www.today.com/news/supermarket-shrinkage-its-not-your-imagination-experts-say-2D79677603?cid=social_20140519_11887224
The cash registers were reduced in number and the layout of the checkout lines had been mirrored. It might not seem like a big deal, but it held significance. It was as if that had been done just to distract customers from noticing the bigger changes. All of the aisles were literally moved half way back in the store, and one aisle had been removed, completely. Three years ago there were seven aisles in the store and the aisles began about 12 feet from the checkout. Last year, it was reduced to six aisles with a larger display area near the cash registers. Now the "Number 6 sign" is just hung on the south wall, and there are all sorts of non-food displays between the actual aisles and the check out. This is so difficult to describe . . . Nearly half of that grocery store is now displaying non-food items, impulse purchases, and checkout area, with 1 of 5 aisles fully displaying paper and cleaning products. Of course, the prepackaged and junk food inventory has increased.
Sadly, the first aisle which formerly displayed the canned vegetables was now home to the bread shelves, and they were all but empty. The bread shelves, lining the north wall contained 3 loaves of bread. The section that once contained canning supplies is now the packaged snack cake section. This is not fear-mongering, this is accurate reporting of what has taken place and the time in which it has occurred. I'm not the only one noticing this, either. The food supply and availability is definitely controlled and is now obviously being altered.
The link below carries an article explaining another way, the food availability is being reduce.
http://www.today.com/news/supermarket-shrinkage-its-not-your-imagination-experts-say-2D79677603?cid=social_20140519_11887224
Sunday, May 25, 2014
Changing Dependency
I feel like I sound like a broken record. Even in the previous statement, is the message, I'm out of the loop and antiquated. Over twenty years ago, "Record Town" didn't sell records any more. Although I've been somewhat of an awkward oddball most of my life, I haven't always been so far out of mainstream. There was a time, I truly tried to believe if I tried hard enough, I'd be a success at what the majority said they were striving for. Twenty years ago, my perspective was changed. I knew my provision came from on High and no amount of effort on my part toward the American dream would result in success.
I truly wanted to enjoy life! To do that, we have to let go of what others say will make us happy and ask our Creator how He wants us to make Him happy. It really is Scriptural! We were created for His pleasure, and we want His Will in our life, so it would follow, if He's pleased, we'll be satisfied! Not to mention, the Bible is full of covenant promises that don't really have much to do with the American dream.
In all the wealth disparity, there is still an unfortunate symbiosis that is literally dependent upon the continued inequality. The majority of The One Percent are not really members of the elite group who are servants to The Agenda. Most of the politicians and even the wealthy corporate higher ups are only puppets that are bought and paid for. I'm not advocating socialism or communism, but the bottom line is, our republic or democracy which ever you want to call it, is dependent upon communism and many aspects of socialism. And it's odd that the ones who are dependent upon it, don't seem to understand their dependency upon a political system they claim to abhor.
Tea Party members and conservatives are 100% solid in their support of social security and medicare, both of which are programs founded in socialism. While progressives and liberals vocally abhor child labor and dictatorships, they do use their purchasing power to support countries that utilize child labor and make many excuses for dictators. Just as the wealth disparity in this country is symbiotic, it is globally. The US economy is dependent upon China's exports and China is dependent upon America's debt.
This country began the slippery slope of indebted slavery years ago, when farms were mortgaged to buy the seeds for the next crop and when young couples had to save to go into debt with a mortgage. The term mortgage is fascinating. "mort" root word of mortal: subject to death . . . and gage being an archaic term for bet or wager. Bottom line of the American economy for nearly 100 years. Young couples saved for the privilege of obtaining debt with the hope they'd live long enough to pay off. That plan has pretty much run itself in the ground, now that people just plan to make payments of some sort, for their entire life.
The rich ruleth over the poor, and the borrower is servant to the lender. Proverbs 22:7
I truly wanted to enjoy life! To do that, we have to let go of what others say will make us happy and ask our Creator how He wants us to make Him happy. It really is Scriptural! We were created for His pleasure, and we want His Will in our life, so it would follow, if He's pleased, we'll be satisfied! Not to mention, the Bible is full of covenant promises that don't really have much to do with the American dream.
In all the wealth disparity, there is still an unfortunate symbiosis that is literally dependent upon the continued inequality. The majority of The One Percent are not really members of the elite group who are servants to The Agenda. Most of the politicians and even the wealthy corporate higher ups are only puppets that are bought and paid for. I'm not advocating socialism or communism, but the bottom line is, our republic or democracy which ever you want to call it, is dependent upon communism and many aspects of socialism. And it's odd that the ones who are dependent upon it, don't seem to understand their dependency upon a political system they claim to abhor.
Tea Party members and conservatives are 100% solid in their support of social security and medicare, both of which are programs founded in socialism. While progressives and liberals vocally abhor child labor and dictatorships, they do use their purchasing power to support countries that utilize child labor and make many excuses for dictators. Just as the wealth disparity in this country is symbiotic, it is globally. The US economy is dependent upon China's exports and China is dependent upon America's debt.
This country began the slippery slope of indebted slavery years ago, when farms were mortgaged to buy the seeds for the next crop and when young couples had to save to go into debt with a mortgage. The term mortgage is fascinating. "mort" root word of mortal: subject to death . . . and gage being an archaic term for bet or wager. Bottom line of the American economy for nearly 100 years. Young couples saved for the privilege of obtaining debt with the hope they'd live long enough to pay off. That plan has pretty much run itself in the ground, now that people just plan to make payments of some sort, for their entire life.
The rich ruleth over the poor, and the borrower is servant to the lender. Proverbs 22:7
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