More Opinion by The Springboard
"Joe Biden told the American people in his opening lines, "In January 1941, President Franklin Roosevelt came to this chamber to speak to the nation. And he said, 'I address you at a moment unprecedented in the history of the Union.' Hitler was on the march. War was raging in Europe.""
Friday, April 26, 2024
I'm Sucking At YouTube, But Who Cares?
Thursday, April 25, 2024
Questioning 2020 is Not About Trump, It's About America
I told him that I sided with the opinion that there was strong reason to suggest that the 2020 election may have been stolen, although I did not assert that I had made that conclusion and firmly believed it. "Strongly suspect," and "firmly believe," are very different positions.
"But you support Trump," he said. "That's why you think that way."
I told him that idea could work both ways. "You support Biden, and that's why you think it couldn't have happened."
The reality is that my suspicions do not, in fact, come from my support of Donald Trump. Rather they come from another place entirely. My love of country and my deeply seated patriotism. That's a very hard pill to swallow for most Americans who aren't at all on Trump's side because, of course, the media has portrayed anyone in the MAGA cause as looney toons who are active in a cult-like mentality.
While there is always going to be a fringe faction in any political party or group, it rarely makes up the whole. But it certainly gets the most attention and somehow tends to be the main focus.
Trump supporters are, by and large, simply a group of conservatives who support a leader whose values and ideas align with theirs. It doesn't make them looney. It simply makes them active participants in the political discourse who happen to have an opinion that differs from those on the left.
By their definition, that MAGA is a cult, you could say the same thing about those on the left who support Biden.
I told him, "As an American above all else, I simply want to have faith in our electoral process. I think any American should ask questions and not simply accept things because their side won."
Not only is the thought that because I support Trump, that I deny the 2020 result, it's because I am supposed to be bitter that my guy lost. Except, I have never been bitter before, and usually I can find a good reason to at least understand why my guy lost and have talked about it ad infinitum on here.
John McCain and Mitt Romney, for example, were terrible candidates who ran horrible campaigns. That's why they lost to Obama. Whether or not I agreed that the American people made the right decision, I had no reason to question that the voice of the American people was nonetheless heard.
That, above all else, should have a very big bearing on why I feel the way I do now. In other words, becoming a Trump supporter in no way made me suddenly change my overall viewpoints or how I feel about America.
I have no interest in seeing America compromised just to see a guy in office who happens to be the guy I support. We have a process. The candidates campaign, and the voters decide. It's that simple. And most of the time, it generally works out.
Obama, for example, took us down a wrong path. But was he the worst thing to ever happen to America? I will leave that open for debate, but I think we can mostly agree that the system, at least, seemed to be working and when it came down to Hillary Clinton vs. Donald Trump the right choice was made.
The American people did not want to continue down Obama's path with Hillary Clinton carrying on with his "vision for America" by proxy. Despite all the accusations to suggest otherwise, all of which were proved to be false, he was duly elected and won the election fair and square.
The point of this post is not to rehash all of the reasons why I think the election may have been stolen in 2020. The point is to make it clear that what I strongly suspect has nothing at all to do with my support of Donald Trump and has everything to do with my support of country.
I simply want to know the truth because there are enough valid questions, in my view, that we need to at least be interested in seeking out the answers for. And I think it should be a concern for every American regardless of who won or lost.
Elections matter. They always have. Elections do have consequences, and there are enough examples in history that serve as glaring examples. But the worst consequence is to have someone in office who isn't supposed to be there. To have someone who may have been selected rather than elected.
That's dangerous. It's a serious threat to our democratic republic. If we ever arrive at a point when we truly, as a people, no longer question what our government does just because "our guy" won, that's really the end of America.
We can't trust our government, and we can't trust the media. So, what's left? It's up to We the People. We need to be interested in ensuring that even if the wrong choice is made to lead us, that it was our choice to make the wrong one.
I am not sure if I was able to change the person's mind in our conversation. But if nothing else I was at least able to explain why I feel the way I do, and why I think it is important to be cynical.
It's not about winning elections in so much as it is about preserving this great nation and making sure that our government remains one that is by, for and of the People. When our founding fathers set this country up, that was a core value, that the American people would be the ultimate curator of accountability against it.
We cannot be that if the only word we accept is theirs.
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Wednesday, April 24, 2024
Have You Ever Eaten a Tuck's Pad?
When it comes to food, most of the time when you see a picture presented of something you order or buy, you know there's going to be at least some sense of glorification, and what winds up on your plate will not exactly resemble what was advertised.
But it's still usually relatively close. It's still relatively good. You can still relatively accept it for what it really is.
That was proven to be far from the case when I decided on a Banquet homestyle gravy and sliced white meat turkey meal as a quick dinner.
I swear, that Banquet gravy and sliced white meat turkey meal got more laughs than the funniest comedian to ever grace the stage at the Improv could ever hope for. Not that our meal was the joke of the century, but it sure packed one hell of a punch line to our plates.
Granted, it's not like I was expecting something gourmet. It's a frozen meal, of course, and just like when you order a steak at Denny's, you're not looking for something 5-star when it arrives. But what I was expecting were at the very least, 12 slices of decently portioned turkey.
From the picture, you'd have expected that there would have been nice sized pieces to serve up. Instead, you literally had to fish out the slices in a lake of gravy. In fact, of the supposed 26 ounces shown on the package, I am certain it was about 20 ounces of gravy and 6 ounces of actual meat, although I cannot verify that since I did not actually weigh the slices.
As for the actual size of the slices themselves? I am not kidding at all when I say that they were only slightly larger than a Tuck's pad.
I mean, in the box's picture, you'd think you were going to get a heaping plate of at least something remotely worth eating. It is not an exaggeration at all to suggest that the plate they used was, in fact, a tea saucer.
The box stated, "Enlarged to show quality." What did they use? The Hubble space telescope?
Sure, the box is going to be the thing that makes the sale in the first place just like the title, cover and back cover blurb on a novel will put a book on your reading list. But if the goods delivered don't match the sales pitch, it doesn't mean someone will buy it again—or read the book over again thinking maybe you just missed the point the first time around.
Embellishment is one thing, such as that juicy, well-crafted hamburger on the menu looks like that you know will never be served to you. But where's the line between embellishment and outright false advertising? Because, at least when it comes to this Banquet offering, that's clearly what it is.
Either way, the bottom line for me is that it matters enough to me that I won't be buying this product again. And Banquet ought to be ashamed of themselves on this one.
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Monday, April 22, 2024
Using the Rule of 5 When Buying Things
All too often, part of the problem is a lack of forward thinking, or the, "I want it now," mentality. What can especially get us into trouble is relying too heavily on credit, and not thinking about what the real cost of things are when they are financed.
We all know about the value of compound interest on assets. But compound interest applied to liabilities can devastate us.
For a lot of people who carry large amounts of debt, they tend to think of their debts as manageable so long as they can make the payments. The reality is that if you cannot afford to pay the debts off tomorrow immediately, you cannot afford to carry the debt.
If debt is used responsibly, it can be a useful tool with some additional rules applied. For example, if the cost of the interest on any loan is less than the amount of interest you are earning on cash in savings or investments, the debt is "affordable." If the cost of the interest on the debt is greater than the amount of interest you are earning on any cash or investments, it is better to use the cash instead of incurring the debt.
The rule, however, creates a caveat. But it is one that works to your advantage.
The Rule of 5 is a very simple concept, and one that can be applied, and even probably should be applied to nearly every purchase you make, with some exceptions—such as real estate, for example.
The idea is to accumulate money before you spend it rather than to simply earn it and then spend it as it comes in. You may see a pair of shoes you want, for example and think, "I have $50 right now to buy them, and so therefore I can afford them."
The reality is that you cannot actually afford them. Even if you have the cash right now in your hands to buy them.
Applying the Rule of 5 means that before you can rightfully claim to be able to afford that pair of shoes, you need to have at least $250 of available cash on hand that is expendable—in other words, not tied to any other commitments.
It makes you stop and think about your money before you hand over your hard-earned cash. It's posing a very simple question. "Can I afford to buy 5 pairs of these shoes?" If the answer is no, you wait until you can before you actually make the purchase.
Not only does it avoid spending money today, but it also forces you to save additional money and to think about your reward for having the money differently. Instead of having nothing left after your purchase, you have the joy of knowing that you have $200 left. On top of that, you can now apply that to other future things you may want to buy.
Although the Rule of 5 can seem impractical when it comes to certain purchases, I think it is essential. It gives us a peak into what we are actually doing to set ourselves back financially. Something we rarely pay attention to, which ultimately gets us into all sorts of financial problems.
"Can I afford this car?" you might ask. "Can I buy 5 of them?" is the better question. Even if you decide to take on a loan, it doesn't mean you can afford it.
"But if I want a reliable car, and I have to pay at least $30,000 for one that is reliable, who has $150,000 lying around to justify it?"
The answer is, "Most people don't have that kind of money lying around because they have never considered the Rule of 5 in regard to anything else. Especially when it comes to the small things."
We are all well aware of the age-old adage that good things come to those who wait. It is rarely applied to reality when it comes to most people. Even if you applied the Rule of 5 on a smaller scale, the rule could still work.
For example, say you can afford a car payment that is $600 a month. You aren't going to be able to afford $3,000 a month. But you can afford $120 a month. So, when you decide to buy a car, you find one that will only cost you one-fifth of the payment you can make.
How about considering applying this rule in your favor? You effectively make the $600 payment after you buy the car and have a payment of $120, but instead of paying $600 each month to a loan originator, you pay $480 to yourself and put it into savings or investments.
If the loan term is for 5-years, at the end of that term you'd have effectively saved $28,800 which can be applied to whatever future assessment of a vehicle you can afford would be. It is either used as a hefty down payment on something, or it is reapplied to the rule of 5 and divided into a 5th over the course of another 60 months giving you an additional $96 of monthly spending power, meaning now you can afford a payment of $216 per month when added to the $120 per month you could reasonably afford to pay before based on the Rule of 5.
Of course, applying this rule does not mean that what you are ultimately trying to do is to be able to necessarily buy more things. It simply means that if something happens tomorrow that negates your ability to afford things in the longer term, you are able to at least cover everything in the short term.
If you suddenly lose your job, you can still pay for what you have, and if you have applied the rule appropriately to everything you buy over time, you probably have something to fall back on as well to cover the necessary day to day expenses until you can find a replacement job.
The idea is to simply think about your money in terms of its intrinsic value and apply that value in order to get the most out of your money over the long haul.
There is nothing more comforting than knowing that if your income fell to zero tomorrow, you could still afford to pay off every single debt you have five times before you've actually run out of money. More importantly, the Rule of 5 forces you to think about your money more carefully before you pull out your wallet.
| "If you are digging a hole, it is best to bring a ladder with you along with your shovel, because ultimately you are going to want to have a way to climb back up to the surface." |
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