Archive for September, 2008

Dave Ramsey and the Economy

Listen to this broadcase by Dave Ramsey. It’s time we all stepped up and did something.

And here is the transcript:

If you have iTunes, search Dave Ramsey and listen to the podcast of today’s show. 09.29.08 He explains the bailout, alternatives, and what is going on in Washington in laymen’s terms.


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For the past 12 months I have been laughing when I hear people talking about recessions, the Great Depression 2, etc. If it weren’t for the media, people wouldn’t be so afraid right now. I got an article in my email the other day that sums it up fairly well.

Dave’s Thoughts About the Economy

Over the past month, we’ve witnessed the largest bankruptcy in history, the stock market dropping like a rock, and the talking heads on TV freaking out that the world is coming to an end. I’m here to tell you the truth—we’re going to make it. We’re going to be fine. Take a chill pill.

This month I’ve compiled some of the most-asked questions I’ve gotten recently from you:

Are we okay, Dave?

Definitely. Remember Enron and WorldCom in the recent years? We survived that. But much worse than all this was the financial crisis of the ‘80s – S&L collapse and 1,000 bank failures in 2 years. We’re nowhere near this type of thing; that was probably 50 to 100 times worse than all of this.

What does all of this come back to?

Greedy banks financing homes to broke people. It all seemed to work okay in their minds when the economy was booming, but when the economy slowed a little bit broke people quit paying on their subprime mortgages. DUH. No wonder they went out of business. Stupid decisions.

Is there anything we can do to fix this bailout mess?

YES! Here’s a quick summary: Companies that had billions in subprime loans were feeling the effects of their stupid decision to make those loans in the first place, and practically gave them away for pennies on the dollar. But since no one wants these loans, and they’ve had to mark them down to market value, it has frozen the market. If we temporarily change the rule that forces companies to do that, that will free the market up.

This is an absolutely huge deal, and it involves everyone getting in touch with their congressperson before we spend hundreds of billions of dollars that we don’t need to! Learn more

Will the collapse of businesses and banks affect me?

No, not unless you work there. Thousands of stock brokers on Wall Street have lost their jobs in the past few weeks, but that happens in other industries across the country in good and bad times. This time it just happened in NYC where all the national news media is so they made a big deal of it.

If I have 401(k) money in a Merrill Lynch or AIG trading account, should I move the money elsewhere?

No. Your money isn’t with them; your 401(k) money is in the stocks. These big companies are just managers (unless you directly own stock in their company). The only thing that may be an issue is if they crash later, you may have some customer service issues, but your money is still safe. This is a good reminder to not have all of your money in one stock—that’s stupid. Always spread out your money in various growth stock mutual funds.

With these acquisitions, will my 401(k) account and entire portfolio with Merrill Lynch be lost?

No. They just own the company Merrill Lynch. Look at it this way—if I owned 6 rental properties and hired a management company that eventually failed, I would still own the properties; I just wouldn’t have a manager. Your broker doesn’t have title to your stuff. Your 401(k) is not a company asset; that’s the beauty of it.

Should I sell my US stocks to buy gold and foreign stocks?

Absolutely not! Why would you think foreign stocks are any better than US stocks? Again, diversify your money in good growth stock mutual funds instead.

What practical lessons should small business owners learn from these bank difficulties?

When you have no cash, you freakin’ go broke. You must keep some cash on hand, no matter what kind of business you have. Give yourself some wiggle room where you can take a hit and still be standing.

Remain calm, America. We’re in a slow time, but just pay your bills and you’re going to be fine.


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Want an LV???


A friend of mine recently rescued too parrots that had severe health issues and were on death’s doorstep. She rackup up $7000 in vet bills and is trying to pay those off by selling one of her gorgeous Louis Vuitton purses. This purse retails at $1650. Raffle tickets are only $15 each!!! She has sold 25 raffle tickets to date and just relisted the purse in an effort to sell 30 more. This definitely won’t pay off her vet bills completely, but it will be a big help.

I am offering a special on my site through the end of September as well. You can find it at http://megancurtis.myarbonne.com More info below:

 Help the Birds

This month I will be donating 30% of the total sales from my website to a friend who recently adopted two very sick birds. She has acquired some very big vet bills in the short time that she has had these two. Phoenix is an African Grey and Pie is a Bronzed Winged Pionus Parrot. Both came to her malnourished and Vitamin A, D, & Calcium deficient. Phoenix also has Aspergillosis disease. A respiratory disease caused by the fungus Aspergillus.

Thank you for your help and support!!!

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A Little Raw

Tyler and I made a huge change in our dog’s diet this Saturday. We’ve decided to feed a raw diet! For those that don’t know, this is the healthiest and most closely natural diet that you can feed. I’ve wanted to do this for a long time, but the thought of having to feed chicken necks, gizzards, etc sicked me out. I recently was introduced to a food that is pre-packaged raw. It has 70% meat (muscle, organ, ground bone, etc) and 30% fruits and veggies. It doesn’t contain any corn or grain (terrible for dogs!). The best part is Tuff loves it! He gets 3 oz in the morning and 3 oz at night. We’re trying different flavors, but he loves them all. He also gets a raw egg twice a week. The diet is called Primal and it is sold at Brookside Barkery and Bath in Lee’s Summit. A bit of a drive, but so worth it. Raw diets help improve coat quality (less shedding), teeth cleanliness, illness and genetic joing problems, and so many other things. It also makes waste smaller and less smelly. I definitely think we made the right choice, although I know some of you will think we’re nuts…lol

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Saturday was my 21st birthday. We had a busy day planned…little did I know just how stressful a day it would turn out to be. We started the morning having our Pontiac looked at because it was making a popping noise when we made left turns. They greased a shaft and 30 mins later we were on our way again. We headed to Lee’s Summit where we picked up a new dog food for our dog (Blog Post on this topic coming soon). From there, we went to the Family Christian Bookstore to get Tyler’s birthday present. His birthday was August 20th, but we don’t go to the city very often. He got a new bible to replace his teen bible that he was still using. His new bible is a really nice leather, thinline bible that he loves. After leaving the bookstore, we headed to lunch with some friends of mine that also have gliders. We went to Red Robin, where I was surprised with singing waiters and waitresses. YAY! Public humiliation…lol. Then I was handed a pouch (what we use for our gliders) by a friend of mine. Inside was an adorable leucistic (white with black eyes) baby boy and a sweet mosaic little girl. I was so thrilled. I’ve decided to name them Benz and Lyric. Tyler isn’t too happy about them, but said that they can stay. This is IT though…lol I’m at 6 now…3 cages. Here are my sweet little ones.

Meet Lyric
(Non-sterile mosaic/33% leu het)

and Benz

And together

And a couple pictures of my other babies:

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“While You Were Sleeping”
Casting Crowns

Oh little town of Bethlehem
Looks like another silent night
Above your deep and dreamless sleep
A giant star lights up the sky
And while you’re lying in the dark
There shines an everlasting light
For the King has left His throne
And is sleeping in a manger tonight

Oh Bethlehem, what you have missed while you were sleeping
For God became a man
And stepped into your world today
Oh Bethlehem, you will go down in history
As a city with no room for its King
While you were sleeping
While you were sleeping

Oh little town of Jerusalem
Looks like another silent night
The Father gave His only Son
The Way, the Truth, the Life had come
But there was no room for Him in the world He came to save

Jerusalem, what you have missed while you were sleeping
The Savior of the world is dying on your cross today
Jerusalem, you will go down in history
As a city with no room for its King
While you were sleeping
While you were sleeping

United States of America
Looks like another silent night
As we’re sung to sleep by philosophies
That save the trees and kill the children

And while we’re lying in the dark
There’s a shout heard ‘cross the eastern sky
For the Bridegroom has returned
And has carried His bride away in the night

America, what will we miss while we are sleeping
Will Jesus come again

And leave us slumbering where we lay
America, will we go down in history
As a nation with no room for its King

Will we be sleeping
Will we be sleeping

United States of America
Looks like another silent night


As the election draws near, both sides are sending their mud flying, but one of the most recent arguments is the most ridiculous thing I’ve ever heard. Supposedly Palin is a horrible person because she agrees with aerial hunting wolves and bears who have become overpopulated in Alaska and are killing off much needed game and even pets from towns. So, Palin is a monster for killing a wild dog, but Obama is a saint for allowing people to murder their children???

Below is a blog I ran across:

I ran an announcement almost as soon as it was announced that Sen. John McCain had chosen Alaska Gov. Sarah Palin as his running mate. In that story, I mentioned that already the left was calling Palin a wolf killer. This has set off a long list of comments, some you may want to take a look at.

But here’s one I got overnight pertaining to Alaska’s policy of killing wolves from aircraft as a tool to manage overgrown pockets of wolves in a limited number of areas where caribou and moose are suffering.

This is not a matter of hunters rights or gun rights. It is a matter of common decency. Aeiral hunting is barbaric and beyond cruel. It is as bad or worse than clubbing baby seals in Japan.

It is a ugly blight on our nation.

I am an independent who was going to vote for McCain – but he just lost my vote.

Are we now to assume that this person is going to cast his ballot for Barack Obama? This, a man who openly promotes the killing of unborn babies and unwanted newborn babies with defects. I guess it’s pretty barbaric to shoot a wolf from a plane but killing humans isn’t an “ugly blight on our nation”?

This pretty much tells the story of what direction our society has headed in.

Tom Remington


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Election of Fools

My response taken from a discussion on a forum I frequent:

I am definitely torn in this election. I know that I’m not going to be voting for Obama, but by the same token, I’m not all that convinced that McCain is much better. There’s a part of me that wants to write in Paul, but then I think, do I really want to throw that vote away? It seems that to the average American the economy is their biggest worry. I don’t believe that we are in a true recession. I am not worried about the economy. What’s the worst that could happen? I’d lose my house, car, “stuff”. If it comes down to keeping my stuff or having a government that believes in life over money, I’ll be the first one to kick the crap to the curb with my trash because people are of more value than computers and iPods.

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