Great job you guys, now the pirates know who is boss.
:)Sam
Monday, April 13, 2009
Tea Party April 15,2009
I am really trying to keep an open mind about the economy and the approach that it's improvement is receiving in Washington. I am keeping in touch with my Congressman and Senators about what I see and what I hear. I hope you are doing the same, they need our support in their decision making process.
This Wednesday all over the country you will have a chance to voice your feelings about the tax and spend policy of this administration, I encourage you to be at one of these meetings in your town.
In the paper Sunday was the statement that "federal revenues have been on the decline since 2000 but that spending has been on the increase leading to the budget short falls that we are having. We can no longer set a spending plan that is even equal to expected revenues let alone a planned short fall. There is not a state in this union that can do this, and it is time that the Federal government adhere to the same spending policy. We can no longer spend money that we do not have.
Hope to see you at the Tea Party Wednesday.
:)Sam
This Wednesday all over the country you will have a chance to voice your feelings about the tax and spend policy of this administration, I encourage you to be at one of these meetings in your town.
In the paper Sunday was the statement that "federal revenues have been on the decline since 2000 but that spending has been on the increase leading to the budget short falls that we are having. We can no longer set a spending plan that is even equal to expected revenues let alone a planned short fall. There is not a state in this union that can do this, and it is time that the Federal government adhere to the same spending policy. We can no longer spend money that we do not have.
Hope to see you at the Tea Party Wednesday.
:)Sam
Thursday, September 18, 2008
A House Built upon the Rock
I know there are few that have investments that are not uneasy about the difficulties financial institutions are going through, and wondering just how much it will effect them. Though the government has stepped in and taken over, or bailed out several, the sad truth is the government has no money just the ability to print it. The only money they have is what they borrow from or tax the citizans of this great country.
For years this great nations financial system has been rock solid using sound principles of money management and investment. If losses came because of poor management or bad decisions , each bore the burdan of that loss, and went on, or went under. People saved a portion of what they earned and made wise investment decisions based on solid financial principles. They built their house on the rock.
I was talking with someone the other day about the financial institutions that are in serious trouble, because they like many of us have borrowed far more than they were earning, and have made poor management decisions in investing that borrowed money in subprime mortage pacakges which have lost value, or are now worthless.
I remembered the first house that my wife and I bought after saving for two years for a down payment. We had saved $2,000 to put down on a $10,500 three bedroom one bath home. We were so excited about moving in to our new home. Then I got a letter from the bank that was handling our loan. They wanted an explination about a $5 bill that had been charged off for non payment. the only derogative note in my credit file. I had to write a letter and a check for $5 to the business where I had made the charge before they would approve my loan. Of course that was in 1960 and things were quite diffrent than today.
The rule then was: house payment including taxes and insurance could not be more than 30% of gross salary. Total loan and closing costs could not be more than 21/2 times gross annual pay.
People on average were saving 6% of family income, and living within their ability to pay.
My how times have changed! a year ago you could buy a house, and finance 100% of the appraised value of the home. Nothing down with an ajustable rate mortage. Then move into the home of your dreams, until the first interest ajustment came, and your payment increased beyond your means to pay. Then that dream becomes a mill stone round your neck.
The bank that gave you the loan is not much better, because they have since sold your mortage to someone else, to free up funds to make other loans.
Have you seen the TV commercial with the guy on his riding lawn mower telling about his 4 bedroom three bath home on the golf couse, with membership in the golf club, two new cars
and a boat in the drive way, He asks "How do I do it"? I'm in debt up to my eyeballs, somebody please help me!
The Bible tells us we should build our house upon the rock a firm foundation. Of course it is talking about our spiritual house, but that same principle applies to our use of the money God has blessed us with.
Our problem as individuals, and as a nation is that we have built our house upon the sand, now the storm has arrived, and the house is falling. Any good builder will tell you that if a house begins to crumble because of a poor foundation, it will do no good to rebuild the house until you fix the foundation which is the real problem.
I hope your house is built on a rock, and that you have made good use of the blessings God has shared with you.
For years this great nations financial system has been rock solid using sound principles of money management and investment. If losses came because of poor management or bad decisions , each bore the burdan of that loss, and went on, or went under. People saved a portion of what they earned and made wise investment decisions based on solid financial principles. They built their house on the rock.
I was talking with someone the other day about the financial institutions that are in serious trouble, because they like many of us have borrowed far more than they were earning, and have made poor management decisions in investing that borrowed money in subprime mortage pacakges which have lost value, or are now worthless.
I remembered the first house that my wife and I bought after saving for two years for a down payment. We had saved $2,000 to put down on a $10,500 three bedroom one bath home. We were so excited about moving in to our new home. Then I got a letter from the bank that was handling our loan. They wanted an explination about a $5 bill that had been charged off for non payment. the only derogative note in my credit file. I had to write a letter and a check for $5 to the business where I had made the charge before they would approve my loan. Of course that was in 1960 and things were quite diffrent than today.
The rule then was: house payment including taxes and insurance could not be more than 30% of gross salary. Total loan and closing costs could not be more than 21/2 times gross annual pay.
People on average were saving 6% of family income, and living within their ability to pay.
My how times have changed! a year ago you could buy a house, and finance 100% of the appraised value of the home. Nothing down with an ajustable rate mortage. Then move into the home of your dreams, until the first interest ajustment came, and your payment increased beyond your means to pay. Then that dream becomes a mill stone round your neck.
The bank that gave you the loan is not much better, because they have since sold your mortage to someone else, to free up funds to make other loans.
Have you seen the TV commercial with the guy on his riding lawn mower telling about his 4 bedroom three bath home on the golf couse, with membership in the golf club, two new cars
and a boat in the drive way, He asks "How do I do it"? I'm in debt up to my eyeballs, somebody please help me!
The Bible tells us we should build our house upon the rock a firm foundation. Of course it is talking about our spiritual house, but that same principle applies to our use of the money God has blessed us with.
Our problem as individuals, and as a nation is that we have built our house upon the sand, now the storm has arrived, and the house is falling. Any good builder will tell you that if a house begins to crumble because of a poor foundation, it will do no good to rebuild the house until you fix the foundation which is the real problem.
I hope your house is built on a rock, and that you have made good use of the blessings God has shared with you.
Wednesday, February 27, 2008
Saturday, February 9, 2008
Katrina Thacker
Katrina is the daughter of a dear friend of ours. She left home in Pikeville Kentucky in September 2007 and has not been heard from since then. If you see her or have any information
as to her were abouts please send me an e-mail or call 931-520-8730. All information will be held strictly confidential
Friday, July 6, 2007
Laus Deo
I received this from a friend....... Thought you would enjoy it as we celebrate the birth of our nation
:)Sam
One detail that is never mentioned is that in D.C. there can never be a building of greater height than the Washington Monument With all the uproar about removing the ten commandments, etc, this is worth a moment or two of your time. I was not aware of this amazing historical information. On the aluminum cap, atop the Washington Monument in Washington , D.C. , are displayed two words: Laus Deo. No one can see these words. In fact, most visitors to the monument are totally unaware they are even there and for that matter, probably couldn't care less. Once you know Laus Deo's history, you will want to share this with everyone you know. These words have been there for many years; they are 555 feet, 5.125 inches high, perched atop the monument, facing skyward to the Father of our nation, overlooking the 69 square miles which comprise the District of Columbia , capital of the United States of America Laus Deo! Two seemingly insignificant, unnoticed words. Out of sight and, one might think, out of mind, but very meaningfully placed at the highest point over what is the most powerful city in the most successful nation in the world. So, what do thos e two words, in Latin, composed of just four syllables and only seven letters, possibly mean? Very simply, they say "Praise be to God!" Though construction of this giant obelisk began in 1848, when James Polk was President of the United States , it was not until 1888 that the monument was inaugurated and opened to the public. It took twenty-five years to finally cap the memorial with a tribute to the Father of our nation, Laus Deo. "Praise be to God!" From atop this magnificent granite and marble structure, visitors may take in the beautiful panoramic view of the city with its division into four major segments. From that vantage point, one can also easily see the original plan of the designer, Pierre Charles l'Enfant ..a perfect cross imposed upon the landscape, with the White House to the north. The Jefferson Memorial is to the south, the Capitol to the east and the Lincoln Memorial to the west. A cross you ask? Why a cross? What about separation of church and state? Yes, a cross; separation of church and state was not, is not, in the Constitution. So, read on. How interesting and, no doubt, intended to carry a profound meaning for those who bother to notice. Praise be to God! Within the monument itself are 898 steps and 50 landings. As one climbs the steps and pauses at the landings the memorial stones share a message On the 12th Landing is a prayer offered by the City of Baltimore ; on the 20th is a memorial presented by some Chinese Christians; on the 24th a presentation made by Sunday School children from New York and Philadelphia quoting Proverbs 10:7, Luke 18:16 and Proverbs 22:6. Praise be to God! When the cornerstone of the Washington Monument was laid on July 4th, 1848, deposited within it were many items including the Holy Bible presented by the Bible Society. Praise be to God! Such was the discipline, the moral direction, and the spiritual mood given by the founder and first President of o ur unique democracy "One Nation, Under God." I am awed by Washington 's prayer for America Have you ever read it? Well, now is your unique opportunity, so read on! "Almighty God; We make our earnest prayer that Thou wilt keep the United State s in Thy holy protection; that Thou wilt incline the hearts of the citizens to cultivate a spirit of subordination and obedience to government; and entertain a brotherly affection and love for one another and for their fellow citizens of the United States at large. And finally that Thou wilt most graciously be pleased to dispose us all to do justice, to love mercy,and to demean ourselves with that charity, humility, and pacific temper of mind which were the characteristics of the Divine Author of our blessed religion, and without a humble imitation of whose example in these things we can never hope to be a happy nation. Grant our supplication, we beseech Thee, through Jesus Christ our Lord. Amen." Laus Deo! When one stops to observe the inscriptions found in public places all over our nation's capitol, he or she will easily find the signature of God, as it is unmistakably inscribed everywhere you look. You may forget the width and height of "Laus Deo", its location, or the architects but no one who reads this will be able to forget its meaning, or these words: "Unless the Lord builds the house its builders labor in vain. Unless the Lord watches over the city, the watchmen stand guard in vain." (Psalm 127: 1) It is hoped you will send this to every child you know; to every sister, brother, father, mother or friend They will not find offense, because you have given them a lesson in history that they probably never learned in school.
:)Sam
One detail that is never mentioned is that in D.C. there can never be a building of greater height than the Washington Monument With all the uproar about removing the ten commandments, etc, this is worth a moment or two of your time. I was not aware of this amazing historical information. On the aluminum cap, atop the Washington Monument in Washington , D.C. , are displayed two words: Laus Deo. No one can see these words. In fact, most visitors to the monument are totally unaware they are even there and for that matter, probably couldn't care less. Once you know Laus Deo's history, you will want to share this with everyone you know. These words have been there for many years; they are 555 feet, 5.125 inches high, perched atop the monument, facing skyward to the Father of our nation, overlooking the 69 square miles which comprise the District of Columbia , capital of the United States of America Laus Deo! Two seemingly insignificant, unnoticed words. Out of sight and, one might think, out of mind, but very meaningfully placed at the highest point over what is the most powerful city in the most successful nation in the world. So, what do thos e two words, in Latin, composed of just four syllables and only seven letters, possibly mean? Very simply, they say "Praise be to God!" Though construction of this giant obelisk began in 1848, when James Polk was President of the United States , it was not until 1888 that the monument was inaugurated and opened to the public. It took twenty-five years to finally cap the memorial with a tribute to the Father of our nation, Laus Deo. "Praise be to God!" From atop this magnificent granite and marble structure, visitors may take in the beautiful panoramic view of the city with its division into four major segments. From that vantage point, one can also easily see the original plan of the designer, Pierre Charles l'Enfant ..a perfect cross imposed upon the landscape, with the White House to the north. The Jefferson Memorial is to the south, the Capitol to the east and the Lincoln Memorial to the west. A cross you ask? Why a cross? What about separation of church and state? Yes, a cross; separation of church and state was not, is not, in the Constitution. So, read on. How interesting and, no doubt, intended to carry a profound meaning for those who bother to notice. Praise be to God! Within the monument itself are 898 steps and 50 landings. As one climbs the steps and pauses at the landings the memorial stones share a message On the 12th Landing is a prayer offered by the City of Baltimore ; on the 20th is a memorial presented by some Chinese Christians; on the 24th a presentation made by Sunday School children from New York and Philadelphia quoting Proverbs 10:7, Luke 18:16 and Proverbs 22:6. Praise be to God! When the cornerstone of the Washington Monument was laid on July 4th, 1848, deposited within it were many items including the Holy Bible presented by the Bible Society. Praise be to God! Such was the discipline, the moral direction, and the spiritual mood given by the founder and first President of o ur unique democracy "One Nation, Under God." I am awed by Washington 's prayer for America Have you ever read it? Well, now is your unique opportunity, so read on! "Almighty God; We make our earnest prayer that Thou wilt keep the United State s in Thy holy protection; that Thou wilt incline the hearts of the citizens to cultivate a spirit of subordination and obedience to government; and entertain a brotherly affection and love for one another and for their fellow citizens of the United States at large. And finally that Thou wilt most graciously be pleased to dispose us all to do justice, to love mercy,and to demean ourselves with that charity, humility, and pacific temper of mind which were the characteristics of the Divine Author of our blessed religion, and without a humble imitation of whose example in these things we can never hope to be a happy nation. Grant our supplication, we beseech Thee, through Jesus Christ our Lord. Amen." Laus Deo! When one stops to observe the inscriptions found in public places all over our nation's capitol, he or she will easily find the signature of God, as it is unmistakably inscribed everywhere you look. You may forget the width and height of "Laus Deo", its location, or the architects but no one who reads this will be able to forget its meaning, or these words: "Unless the Lord builds the house its builders labor in vain. Unless the Lord watches over the city, the watchmen stand guard in vain." (Psalm 127: 1) It is hoped you will send this to every child you know; to every sister, brother, father, mother or friend They will not find offense, because you have given them a lesson in history that they probably never learned in school.
Thursday, July 5, 2007
Good cup of Coffee
`> Good Coffee> > A group of alumni, highly established in their careers, got together to > visit their old university professor. Conversation soon turned into > complaints about stress in work and life.> > Offering his guests coffee, the professor went to the kitchen and returned > with a large pot of coffee and an assortment of cups - porcelain, plastic, > glass, crystal, some plain looking, some expensive, some exquisite - telling > them to help themselves to the coffee.> > When all the students had a cup of coffee in hand, the professor said:> > "If you noticed, all the nice looking expensive cups were taken up, leaving > behind the plain and cheap ones. While it is normal for you to want only > the best for yourselves, that is the source of your problems and stress.> > Be assured that the cup itself adds no quality to the coffee. In most cases > it is just more expensive and in some cases even hides what we drink.> > What all of you really wanted was coffee, not the cup, but you consciously > went for the best cups... And then you began eyeing each other's cups.> > Now consider this: Life is the coffee; the jobs, money and position in > society are the cups. They are just tools to hold and contain Life, and the > type of cup we have does not define, nor change the quality of Life we live.> > Sometimes, by concentrating only on the cup, we fail to enjoy the coffee God > has provided for us."> > God brews the coffee, not the cups... Enjoy your coffee!> > "The happiest people don't have the best of everything. They just make the > best of everything."> > Live simply. Love generously. Care deeply. Speak kindly. Leave the rest to > God.>
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