Free to a Good Home!

One man’s trash is another man’s treasure.

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When my aunt Arleen was still alive, she used to collect salt and pepper shakers. She would often ask friends or relatives going away on trips to bring her back a souvenir salt and pepper shaker from their vacations. Because my aunt was always so nice, and the requested ‘memento’ was rather small and inexpensive, most people would happily oblige. Aunt Arleen would dream of going away on vacations, but traveling to such exotic locales was financially beyond her means. So each piece of kitsch she received was a sad little attempt at living vicariously though the treasured knickknacks. When Aunt Arleen passed away in 1994, she had over two thousand dusty salt and pepper shakers on display in her small dining room. Almost every one of them ended up in the trash, discarded like so many shattered dreams.

It is amazing the things that people collect over the course of their lives. Sometimes, there is a theme, like items that feature cherished Cartoon characters, or a favorite brand like Coca Cola, or sports teams, you name it. Sometimes, it is because the item makes them happy because just it’s cute or silly. In very extreme cases when individuals lose all self control and become hoarders, it can be a sign of deep psychological issues. Hoarders are the exception, not the rule, so just because someone has a huge collection of something doesn’t make them crazy.

The first thing about ‘things’.

Things are just things. No matter how much importance we place upon a thing, that thing is still just a thing, and it is important only to us. People are important, not things.

The second thing about ‘things’.

Unless we find them discarded, or are given them as a gift, things cost money. If you’re wasting your money on things, you’re wasting your money.

The most important thing about ‘things’.

We can’t take them with us when we’re gone. Someday, each and every one of us will die, and someone else will have to have to sort out our estate.

But store up for yourselves treasures in heaven, where neither moth nor rust destroys, and where thieves do not break in or steal …” (Matthew 6:19-20)

At one point or another every single one of us will accumulate a collection of something or another. These items may or may not have value. In the vast number of cases, these collections will be meaningless to those we leave behind, and like my late Aunt’s cherished salt and pepper shakers, they will be tossed unceremoniously into the dumpster. The more things we own, the more our things own us.  We have to take care of the items in question. Storage, cleaning, protecting, polishing etc. A place for everything and everything in its place,  until we run out of places to store our stuff, and everything becomes lost in the clutter. At which point, we really should make an effort to ‘de-junk’ our lives. This will probably take as long to eliminate the clutter as it did to accumulate it. The fastest way to get rid of it is to throw it out. Just get rid of it. And many people do just that. I live in a rental community, and it is amazing the things I’ve found discarded in the dumpster. Some of these things still have monetary value or use.  I do not recommend scavenging things from the dumpster. I have friends who have gone ‘dumpster diving’ and even I have removed an item or two (sitting right on top and in reach) that had value. Just last Sunday, I found this brand-new watering can with store label and price intact, right on top in the bin. I kid you not! Someone threw this out. Boggles my mind.

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Because people in a hurry to de-junk their lives are sometimes pressed for time, throwing things away (new or not) is the fastest possible to rid one’s self of unwanted  items, but there are better ways to get rid of the ‘good stuff’.

If the item has monetary value, and you can wait a little while for potential buyers.

  • Have a yard sale. You might be able to turn your trash into cash.
  • List it on Craigslist.org, the Facebook market place, or even eBay.com  . You might be able to get some money for the thing in question, but this is labor intensive, and will probably require you to photograph the item, write an ad, and possibly send e-mails to or meet with potential buyers.

If you just want it gone ASAP.

  • Ask friends if they want it. I once gave away a dorm-sized mini-fridge I no longer needed to a down-on-his-luck friend renting a room at a boarding house.
  • Put it on the lawn with a sign that reads FREE STUFF.  People will haul it away. Just make sure the stuff is far away from anything that is NOT being discarded so that a confused person doesn’t ‘accidentally’ abscond with your lawn furniture or your kid’s bikes.   If it’s not gone in three days or so, you may have to throw it out anyway.
  • Donate it to Goodwill or a similar thrift shop. They have ways of disseminating your discards.

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Re-purpose it

Use the unwanted item as material for an art project. I cut a useless wood frame from a broken mirror and turned it into a box frame for my plastic planter. 

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I also see these plastic flower pots in the trash all the time. If you have small glass jars, use them to grow plants from cuttings, then plant the cuttings into the old discarded plastic flower pots and give them as gifts to friends.

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Recycle it

Almost every major town or city in the USA has a recycling program now-a-days.  Don’t just throw it out if it can be recycled.  

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If the item has some worth, like a nice vacuum or something that can be easily repaired, put it BESIDE the dumpster, not in it. People are more apt to notice and remove a useful lamp or piece of furniture that’s sitting on a clean space beside the dumpster. A word of caution with discarded furniture. NEVER, EVER, EVER take home padded furniture,  discarded cushions, mattresses, or boxes of discarded clothing. Bed bugs are on the rise in the USA, and you don’t want to unknowingly take along nasty hidden pests or bring disease into your home.  

Also, never climb into or actively scavenge through dumpsters looking for ‘treasures’. Dumpsters are for the use of the tenants, and there could be hazardous items that could cause serious injury or infections. There are always reasons why something was thrown away to begin with.

Avoid the mess

The best way to deal with clutter is to prevent it altogether in the first place. Always ask yourself if you really need something before you buy it in the first place. Things are just things and there’s only so much stuff one person can fill their home with before it starts to take over and ruin your life. Instead of wasting your money on stuff, spend time with your family and friends and actually travel to the places that you are dreaming of visiting. The memories you make with the people, and the places you see, will be worth more than the cheap plastic trinkets from the souvenir shop.  Trust me, you’ll be much  happier when you cure your ‘stuff-itis’.   As always I wish you happiness and success. 

Secret Santa

A man’s gift maketh room for him, and bringeth him before great men. –– Proverbs 18:16 KJV

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As I’m sitting here in the wee small hours of the morning of Christmas Eve 2017 working on my last Christmas-themed financial blog post of 2017, the main thought that is going through my mind is, ” I LOVE CHRISTMAS!”  It is impossible ignore the fact that whatever your personal religious beliefs are, Christmas begins with CHRIST, Jesus is the reason for the season, and Christians like myself become ‘a little more vocal’ about what we believe. Christmas is a very good thing for both the believer and the non-believer alike.  It truly is the most wonderful time of the year! So if you don’t believe in Christ, please don’t take offense at a person extending you a heartfelt ‘Merry Christmas’ at this time of year. It’s not a religious threat or insult, it’s a olive branch or a bridge to show that we are all connected. Take it in the spirit of goodwill in which it’s meant.

Talking about ‘spirits’ and giving brings to mind two secular and fictional aspects of Christmas: Ebeneezer Scrooge and Santa Claus.  

I have shown you in every way, by laboring like this, that you must support the weak. And remember the words of the Lord Jesus, that He said, ‘It is more blessed to give than to receive.’ — Acts 20:35 The Holy Bible, New King James Version

There are people in this world today who claim that being wealthy is a sign of greed, and that somehow the rich people of the world are responsible for causing the poverty in it. This is far from the truth. Wealthy people pay the majority of all taxes collected, and donate the largest sums to charities. They build the factories, fund the businesses, and create the jobs.   

The protagonist of A Christmas Carol written by Charles Dickens is a miser named Ebeneezer Scrooge. Some people get the idea that he’s the villain of the tale because all he cares about is money. Scrooge isn’t the bad guy because he has money, but because he lives a joyless existence, he mistreats his employees,  and he’s horded his wealth instead of using it to bless the needy and do acts of great good. After he’s visited by the Christmas spirits, he sees the error of his ways, and is transformed by the renewing of his heart and mind. He then does great acts of charity that would not have been possible had he been poor. There are some acts of generosity that only  a wealthy person has the ability to do. Anyone can smile, say a kind word, do good deeds, or pray for other people. These things are good, and we should always do them. Most people can even afford to donate money to the less fortunate, even if it’s only coins in the Salvation Army Kettle at Christmastime.

Only the rich can give charities million-dollar endowments or build factories to create jobs.

 His master said to him, ‘Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master.’— Matthew 25:23, New English Translation

 Santa Claus is a bit more tricky. His origins have been mixed with fable thanks to L. Frank Baum and Clement C. Moore. Elves and reindeer aside, ‘Father Christmas’ is based on a real person, Saint Nicolas of Myra was a Christian bishop who helped the needy. He was born circa 280 AD and died December 6th 345 AD. In the twentieth century, Santa Claus stated to supplant Christ as the focus of Christmas, basically because he was a fun way to make the season more ‘inclusive’. Some people who were not religious felt left out. So advertising departments of companies like Coca-cola and Macy’s ran with Santa as a jolly alternative, and a new representative of Christmas goodwill.  This is both good and bad. Bad because Santa distracts us from ‘the real reason for the season’ and can be confusing for young children. Good because Santa is FUN, and inspires giving.      

As a Christian, I KNOW that ALL things come from God, and everything I have ultimately came from The Lord of All Creation. Christians especially have a duty to use their God-given gifts in the service of God, and Christmas gives us many great opportunities to help the less fortunate. I find myself a little merrier wearing a red Santa hat, it inspires me!

I’m going to wrap this up with the inspiring true story of Larry Stewart, the Secret Santa.  

 Kind words and kind actions can change lives!

Larry Stewart (April 1, 1948 – January 12, 2007) was an American philanthropist from Kansas City better known as “Kansas City’s Secret Santa.” After poor beginnings, Stewart — from 1979 through 2006 — made a practice of anonymously handing out small amounts of cash, typically in the form of hundred-dollar bills, to needy people.

Larry was a traveling salesman in 1970, and he wasn’t very good because by 1971 he was broke and sleeping in his car. After a few days of not eating, in desperation he decided to ‘rob’ a diner by ordering a big breakfast he couldn’t pay for, and then claiming he accidentally lost his wallet somehow.  Ted Horn owner of the Dixie Diner realized the true nature of the situation, and instead of getting mad, or calling the cops, decided to give Larry a $20 bill he ‘found’ on the floor, which ‘might’ have fallen out of Larry’s ‘lost’ wallet. This lesson of kindness and generosity stayed with Larry Stewart. Ashamed of his initial act of deception, and humbled by the kindness of the diner owner, he vowed to himself that he would  ‘pay it forward’ as soon as he was able.

Around Christmas of 1979 on a very cold day, he stopped at a drive-in restaurant. A carhop waitress was outside wearing a small, thin coat, and freezing as she served the diners at their cars in the hope of maybe nickel or dime tips. When she brought Larry his lunch, he handed her a $20 bill, and told her to keep the change. Her lips begin to tremble and tears begin to flow down her cheeks as she said, ‘Sir, you have no idea what this means to me.’

Stewart went on to become a multimillionaire, earning his fortune from cable television and long distance calling. Each Christmas from 1979 until his death in 2007 he continued giving cash away to the needy as Secret Santa.  He quickly progressed from giving out $20s to handing out $100s, not just in Kansas City but traveling to other areas in times of tragedy, like NYC after 9/11/01 and Mississippi in 2005 after Hurricane Katrina.  Sadly, he developed cancer, but because he was concerned about the poor and needy, he trained an army of Secret Santas and assistant ‘elves’ who would pass out $100s to the needy after he was gone. By the time he passed away on January 12th 2007, Larry Stewart had given away over a million dollars, all inspired by the kindness of ONE man who gave him a $20 bill decades earlier. Today, the army of Secret Santas continue to hand $100 bills to poor, their efforts supported by other wealthy philanthropists, and inspiring others to do likewise.

So as we open our gifts on Christmas morning, and give presents to our friends and family, let us all be inspired by all the beauty and wonder of all the aspects and icons of the season. Let us not focus on ourselves, but think of our fellow man, and be grateful for all that we have. May we all find the courage to better ourselves, so that we can extend a hand-up to the fallen, and together we can with a smile, encouragement, charity and kindness, make this a better world. As always I wish you happiness and success!  Merry Christmas and God bless us, everyone.             

The Gift of Giving

Ringle, ringle, coins when they jingle, make such a lovely sound.

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I am very fortunate to live in the USA, it’s the Land of Liberty and the American Dream, and home to more millionaires than any other country on Earth. There are many people today who seem to have a misconception that wealthy people are greedy and have somehow been responsible for the plight of the poor. Maybe it started with the depiction of the miser Ebenezer Scrooge in Charles Dickens’s A Christmas Carol.  Let’s not forget that by the end of the story, Scrooge learns the true meaning of Christmas and becomes a wealthy benefactor to Tiny Tim and the Cratchet  family, as well as reconnecting with his nephew Fred.

” You will always have the poor among you, but you will not always have me.”  John 12:8 NIV

The true meaning of Christmas is the birth of Christ, and the Greatest gift was Jesus’s sacrifice on the cross for the sins of all mankind. There are many who try to diminish or remove references to Jesus Christ at Christmastime, and that’s unfortunate. Christians are the most generous people of any religious group according to phlianthropy.com  , and philanthropyroundtable.org supports the fact that the wealthiest Americans are the most giving.   

 The wicked borrow and do not repay,  but the righteous give generously; Psalm 37:21 NIV

I did not grow up wealthy, but I worked very hard to get where I am today. I am grateful to God for all that I have, and I give a sizable amount to  charity at Christmas. There are many charitable organizations that support many great causes, and there is a lot of duplication of services. It’s very important when donating to charities to know that the majority of the donated funds are actually reaching those in need, and not being wasted on overhead, or to buy a new Mercedes for the director of the so-called charity.   I recommend using charitynavigator.org  Charity Navigator is an American independent charity watchdog organization that evaluates charitable organizations in the USA, and will help you evaluate worthy charities so that you can avoid the less reputable ones.  

    In everything I did, I showed you that by this kind of hard work we must help the weak, remembering the words the Lord Jesus himself said: ‘It is more blessed to give than to receive.’ ” Acts 20:35 NIV

Christians have an obligation to help the needy. We received a great Gift to cover a Debt we can never repay.  The concept of tithing is mentioned in the Bible, as is the story of the good Samaritan. As Christians we are created for doing good works to further the glory of God. Faith without works is a dead faith because the lack of works reveals an unchanged life or a spiritually dead heart.    

Pennies from Heaven

 As Jesus looked up, he saw the rich putting their gifts into the temple treasury.  He also saw a poor widow put in two very small copper coins.  “Truly I tell you,” he said, “this poor widow has put in more than all the others.  All these people gave their gifts out of their wealth; but she out of her poverty put in all she had to live on.”  Luke 21:1-4 New International Version (NIV)

There’s rarely a day that goes by that I don’t find a penny on the ground as I walk the streets doing my rounds. On average, I actually find about $2 in coins and bills per week. That’s a drop in the bucket compared to my annual salary. Every little bit helps, and that’s the basis of crowdfunding. If everyone gives something, even pennies dropped into a Salvation Army Kettle, it adds up. The current population of the United States of America is 325,467,306 as of Friday, December 8, 2017. If every person in the USA gave just ONE PENNY to charity each day, it would add up to 3.25 million dollars daily. So don’t feel that a tiny donation is meaningless. Little things mean a lot, and great things come from tiny beginnings. As always I wish you happiness and success! And God Bless us everyone.