Savings

abundance bank banking banknotes

Photo by Pixabay on Pexels.com

Anyone else notice that banks, the place that needs money more than anyone to do the business of money, does nothing to encourage savings? I mean, well, they do give it lip service but that doesn’t really count.

A bank is a place to put money, to store it or save it. That’s what they were originally created for. It was safer to have it stored in one place where they could keep it safe and then when people needed it they could go there to get it out.

As time went along, the banks figured out they could make money by loaning out the money people deposited with them and then charging interest on the loan, thus making it a profitable venture to store money.

As banks increased the amount they loaned out, they needed more and more people to “invest” with them and they used the new capital to loan more money out. It’s a bit of a vicious cycle, but it makes sense for all involved until…

…until it didn’t make sense to put money in the bank any more.

The interest rate you get from the bank on the money you put in the bank is almost nil. Like far all intents and purposes, it is ZERO. So, what is the benefit of putting money in the bank? Sure, there is the convenience of not carrying around piles of cash or pounds of coins, but is that all?

Banks need capital. You think they’d do something to encourage people to put there money there. I actually deposited a rather large amount of money in a bank that was giving an outstanding rate on CDs (Certificates of Deposit). That’s how a bank should generate capital.

They seem to take for granted that they are just guaranteed business, which maybe they are. Maybe consumers pay no attention at all to the fees or benefits they get from bank to bank, but it does pay to shop around and give business to banks that actually benefit you rather than just use you as an endless supply of currency to feed off of.

We need to be better consumers and actually cause the banks to fight for our money. Let’s bring the competition back and make them beg for our money instead of letting them tell us what we can do with our own money. Make sense?

Who’s with me on this?

X factor

yellow and pink lighted x decor

Photo by Ricardo Esquivel on Pexels.com

When you are divorced and have had a child (or children), there is always the “X factor” to consider.

It’s sad to say, but as fathers we very typically get the shaft when it comes to co-parenting the children after a divorce. There is honestly no logical reasoning behind this precedent other than the mother is nearly always seen as “the fittest parent” in these situations, regardless of the circumstances. Even when you can demonstrate, with evidence, that as a father you would be a better choice for the child’s custodial parent it is a costly uphill battle that has no guaranteed outcome.

As I was preparing the visitation calendar for 2020 for my teen daughter, it just brought back all the times where I have had to consider the X factor over the last 14 years. We divorced when she was under two so I have had a lot of considering to do, and still have a little while longer to deal with it. It has been a challenge over the years.

How will the X respond to this? What will the X do now? Is there a way to get the X to be reasonable? How crazy is my X, really? I can’t believe the X responded the way she did. Why does the X have to make everything about herself? Why does the X always make this more challenging than it needs to be? How is the X gonna take this? How can I do this so it doesn’t piss the X off? Now what does the X want? 

If you are a divorced father with children, you likely know all too well what I mean. Or, maybe you are even a mother with a crazy X, you know too. Really this post isn’t so much about fathers (though that is my experience) but about the fact that while raising children as divorced parents you are always having to consider the X factor. Everything you do seems to revolve around the other person even though you aren’t with that person every day.

I am thankful that it has gotten a little better since my daughter is now older and can transport herself, but as I was still working on a visitation calendar (which really hasn’t been followed since my daughter is old enough to have a job now) that I still have to consider the X factor when it comes to my daughter. Just a couple more years that I am REQUIRED to consider the X…then it will only have to be during major life events for my daughter. That will be a whole new chapter of X factor to deal with.

Can anyone else relate to this?

WordPress comment spam

Comment spam

Good grief. Have you taken a look at your comment spam folder?

It’s kind of ridiculous how much comment spam gets generated! How do you even spam comments in the first place? There’s got to be a better way for WordPress to keep this from happening than just throwing them in a folder.

I guess I am glad they catch all this stuff instead of me having to wade through it every day; however, if there was a legitimate comment that actually gets caught in there, how would I ever find it? I know I have had it happen and luckily I caught it early enough before the folder exploded.

Why do people do this in the first place? How do companies combat this crap?

 

Takers

human hand screengrab

Photo by Wallace Chuck on Pexels.com

I could be wrong, but I think there are really two types of people in this world.

I believe all people fall into two categories: givers and takers.

Which are you? Which do you surround yourself with? Or, maybe better put, which do you attract?

Sometimes it takes a hard evaluation of the people around you to realize where they fall, but also where you fall. I don’t believe that you can only be one, as I believe it is possible to be both.

Ultimately, I have heard (and maybe I believe this) that we should be givers first and always. That can be translated many different ways, but a quick run down will suffice – time, money, compassion, empathy, knowledge, listening, etc.

A taker, on the other hand, is someone who takes and takes and takes and quite literally could probably suck the very last breath out of you if you let them. They are the kind of people who are in constant need of everything – money, possessions, time, attentions, etc.

Honestly I try to be both. I don’t like taking, but I don’t have a problem doing so either. I don’t like giving, but it does have a limit. As such, I try to find a balance between the two and, if I am entirely honest, I like the people in my life to have a pretty good balance the the give and take as well.

Unfortunately, I must attract a lot of takers. There are several people who I can’t seem to let go of….or, can’t get rid of…they cling. They take. They need. They ALWAYS need. Thus, they always WANT and always TAKE.

It’s exhausting. Give. Give, and give some more. I am tired. I am spent.

I don’t want to do it anymore.

No complaint here

man standing on stage

Photo by Brett Sayles on Pexels.com

Not today.

It’s hard to complain about people who sacrifice their time, energies, family life, and comfort (and sometimes even their lives) to protect me and my family.

Any time, any where, there have been men and women who have joined the military and answered a call to protect freedoms of the US and other countries around the world.

In simple words, “THANK YOU.”

No words can really express that enough.

Thanks to my family members (relatives I have known and not known; those who served in the past and those currently serving now) who have sacrificed a portion of their lives in service of their country. Your efforts have not gone unappreciated.

Thank you.

Tax revolt

money finance bills bank notes

Photo by Pixabay on Pexels.com

Once again, in WA state, there has been a tax revolt.

People are tired of paying unnecessarily high taxes on things like car registration tabs.

We have had two initiatives in this state in the last several decades where the people have clearly said, “ENOUGH!” Twice the citizens of the state (not just one city and county) have said, “$30 – no more, no less.” This is one of the very few times that the rest of the state has told Seattle and King County what it wants versus the other way around, where the population of Seattle and King County out vote the rest of the state to dictate what happens in areas around the state.

So, the latest version passed of the car tabs issue passed on Tuesday, again.

And for what will be the second time, the government is going to sue (yes, you read that right, the government) to get their taxes back. Let that sink in. The government is going to sue to stop the will of the people, who used the democratic process and voted on it, just so they can get their funding back.

If that doesn’t smack of government abuse and overreach, I don’t know what does.

It just goes to show you, once you give the government the ability to oversee your rights, freedom, and money…

…you’ll lose all three.

 

Get out and vote

img_6045

I don’t know about your state, but we have elections in ours today. Want to know who’s really stupid? People who choose not to vote.

One thing that has never made sense to me is that people are actually willingly giving up their right to vote by not participating.

They haven’t registered to vote. They haven’t cast a ballot in a long time. They haven’t changed their registration location because they moved. They haven’t voted, for whatever reason…“Oh, I’m not political.” 

Whatever! You are political. Every time you complain about the government or those working in it, for it, or around it. You’re political.

Voting is a fundamental right to CITIZENS of the United States. It’s your right. It’s your voice. No vote, no voice. But here’s the thing, it’s REALLY easy to do, if you really care. But even if it isn’t easy, you should still do it! Voting is like breathing, eating, and sleeping. You just should do it because it matters a lot.

Of course, there are those in our country who are not citizens and they vote, which is totally illegal and should be prosecuted to the full extent of the law. How is it they care more than actual people who are citizens?

Get and vote. Seriously.

Today.

And every other opportunity you have.