A Penny For Your Thoughts?

Making sense of cents.

cents

If you’ve ever heard the saying “Penny for your thoughts”, and thought a penny was such a paltry sum, consider that when the saying was first coined in the 1500’s, a penny was a pretty fair amount.  

I do a lot of walking during my day job. About five to seven miles. Not a day goes by that I don’t find at least one penny discarded in the street. Although there are some who superstitiously believe that a penny face down is  bad luck, I disagree. A penny found is a penny earned and the only luck a person has is the luck they make for themselves. I also use these found pennies as a reminder to say a quick prayer thanking God for all I have. 

Way back in the 1970’s when I was a young boy, there was still a few years when you could go to the corner Spanish Grocery store and buy penny candies. I remember one of the last times I lived in that neighborhood when I walked into store with a dollar and asked for one hundred Big Bols, which Patricia dutifully counted out of the candy jar, and then handed over in a paper bag. I felt like I was the richest boy in Queens NY.  Big Bol was a cheap wrapped penny candy that was sort of a gum drop with a hard candy shell. Honestly I can’t even remember what they tasted like it was so long ago, but if pressed I’d say guava. Sadly, those days are long gone.

bigbol

A penny doesn’t buy much these days.  You can still stumble upon an online deal for a one cent item with free shipping, but most places simply dispense with the penny all together, or change shipping. Last week, I found a website that offered TOTALLY FREE (including shipping) 300 printed business cards. The back of the card advertises the company and reads FREE by 4OVER4.COM This is a loss leader and an advertisement at the same time, because they can write off the promotional item as a business expense and get free advertising, all while creating good customer relations with potential new clients . Quite ingenious.

Despite the fact that pennies don’t go as far as they used to and are often discarded, Americans still love our pennies and resist efforts to eliminate the coin. Our neighbors to the North abolished their penny in 2012. The Canadian penny coin was produced from 1858 until May 2012. Distribution by the Royal Canadian Mint ceased as of February 4th 2013. From 1982 until 1996, the shape of the penny was 12-sided rather than round. In 1997, the penny’s composition changed to 98.4 per cent zinc, with the rest copper plating. Since 2000, its composition has been 94 per cent steel.  Whenever I stumble upon a Canadian penny, it gets saved now in my ‘Canadian Penny Jar’.  I also save US Wheat cents and earlier, and I do have a few British large cents.

Production of the US penny coin has been continuous since 1793. Prior to 1856 pennies were produced in the large cent coin. There are not many of these in existence today because  many of these early coins were melted down as the copper was more valuable than the coin.  The US penny was made of mostly copper prior to 1982 when the mint switched production to the cheaper 97.5% zinc plated with copper coins still in use today. The US penny has been the same size since 1856 as it is today, but there have been some ‘cosmetic’ changes.

The two precursors of the modern Lincoln penny were the Flying Eagle (1856-1858) and the Indian Head (1859-1909) I once found an Indian Head Penny discarded in the ‘Need a Penny?’ tray at a Rutter’s convenience store in York PA when I stopped for gas. I couldn’t believe my good fortune at discovering the more-than-a-hundred-year-old coin sitting in the dish right on top, unnoticed by everyone except me!

indian

Abraham Lincoln (February 12, 1809 – April 15, 1865) was the 16th President of the United States. Considered the Last Casualty of the American Civil War, Lincoln was the first Republican president. He commanded the Union Army in its victory over the South in the bloodiest war the US ever fought in. The victory ended slavery in the USA, preserved the Union, and Lincoln is recognized as the greatest president of the nineteenth century.

In 1909 to commemorate the centennial of Abraham Lincoln’s birth, the US Mint replaced the  five decade old Indian Head cent with the Lincoln Wheat penny designed by Victor D. Brenner. A few early coins were produced with the designer’s initials VDB on the face of the coin. The front of the coin has the current profile of Lincoln, the obverse had two stalks of wheat, and read ONE CENT.   During WWII when copper was needed for the war effort, the 1943 steel cent was produced. Likewise I once found one of these wartime Steel cents discarded in the  ‘Need a Penny?’ Dish at a 7-11 convenience store in Reading PA.  The clueless clerk was rambling on about a person being dishonest and painting a penny silver in order to ‘pass it off as a dime’.  I nodded sympathetically while replaced the offending penny with a modern one, then left the shop with a huge smile on my face.

In 1959, on the sesquicentennial of Lincoln’s birth, the Wheat on the obverse was replaced with the Lincoln Memorial for the next fifty years.

wheat

To commemorate the bicentennial of Lincoln’s birth in 2009, the mint issued pennies with four different designs on the obverse depicting scenes from the life of  Abraham Lincoln.

2009

Since 2010, the reverse side of the penny has sported the Union Shield.

shield

Yes, the US penny is a very common coin, but Abraham Lincoln was a very uncommon man. It’s quite fitting that even the poorest person in our great country can easily posses a coin bearing the likeness of this great man. As always, I wish you success and happiness!  

Are You Motivated Yet?

Are motivational courses and seminars worth it?

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“Success is the progressive realization of a worthy ideal.”– Earl Nightingale

We become what we think about.

You may not have heard of Earl Nightingale (March 12, 1921 – March 25, 1989) or his best selling work, The Strangest Secret. The Strangest Secret was a 1957 spoken word record by Earl Nightingale.  

Originally, Earl used to give weekly pep talks to his staff at the insurance agency he owned. Many of his ideas were inspired and influenced by authors such as Napoleon Hill, Norman Vincent Peale and Dale Carnegie. During a vacation in 1956, Earl left a pre-recorded motivational record for his staff to listen to in his absence, and this message spread like wild-fire. Staff requested copies of The Strangest Secret, which they shared with friends and family, who also requested copies. Eventually The Strangest Secret sold over one million copies and received the first Gold Record for the spoken word, which helped launch the fields of business motivation and audio publishing. A written transcript was also published and Terry Savage has described it as “…one of the great motivational books of all time“.

If you’d like to listen to a recording of the Strangest Secret  you can Google it or click this link:

There is nothing new under the sun.

Motivational speeches and ‘pep talks’ are nothing new. They have been used for hundreds if not  thousands of years by parents to encourage their children, by generals to lead their troops, by pastors to encourage their flock to revival and by leaders to give hope to their nations. Sometimes you need someone else to encourage you to stop the pity party and get back to living an abundant life.

Back in May of 2003, I drove down to Baltimore’s First Mariner Arena to attend “The Challenge: A Call to Action” which was a conference for men held by a Christian group called Promise Keepers. The cost for the admission was $100.  10,000 men were expected to attend the 17 hours of sessions and entertainment. Dr. Crawford Loritts was one of the many speakers, and a free bag lunch was provided, It was crowded, and it was electrifying to be surrounded my thousands of like-minded men. Beyond that, I don’t remember much of the event. The message about God was something I already knew. The fact that I was not alone was something I already knew. Everyone on stage was selling books, CDs, T-shirts, you name it. I brought a few items on impulse. I was satisfied overall but if I had to do it again, I’d probably stay home.  

Motivation is motivational!

Brian Tracey once described motivational speaking as the highest paid profession in the world. Likewise, Earl Nightingale called selling the highest paid profession. This is not surprising because a motivational speaker is selling you a message you want to hear. The good news is that you desire to hear this life-changing information they are promising to impart. The bad news is that what they are selling you is something you could have found out for yourself for free. In the 1950’s people did not have the sum total of human knowledge at their fingertips as we do today. If you wanted information, you had to borrow the book from a library, or buy it outright. If you missed the TV show, you couldn’t watch it online, it was past tense, gone forever. Computers were the toys of mad scientists, no normal person owned one.  Knowledge was limited to time and opportunity. So attending seminars was a practical way to get the most amount of knowledge on a single topic  offered in a single location. BUT knowledge in and of itself is useless if you are unwilling to act upon it. You have to be motivated to make the necessary changes needed to improve whatever aspect of your life you are trying to change. 

Some people have been so beaten down during their life that they no longer believe that their goals are achievable, This is why the second job of the motivation speaker is to encourage and convince their audience that if they follow their method they will succeed. If you can conceive it, and you can believe it, then you can achieve it! Hint- being surrounded by thousands of enthusiastic, like-minded individuals helps. But when it’s all said and done, the hard work is all up to you. If you fail to follow though, and give up because ‘it’s too hard’ or ‘it doesn’t work’, then you are wasting your time and your money. The only one getting rich is the motivational speaker because you paid for his or her seminar, and the books and materials they are offering. No one can make YOU a success except YOU. If you truly want to succeed, success begins with YOU! If YOU want to become motivated, just start doing whatever YOU are attempting to achieve. Begin working and the motivation will follow because motivation is motivational! There is nothing as satisfying as seeing results.

SNAKE OIL!

A few months after the PK conference in Baltimore, I was visiting a local mega-church which shall remain nameless, and that pastor had encouraged his church members to attend a special financial service later that evening.  As money and  finance are of great personal interest to me, I decided to go to this free seminar. I forget the name of the speaker, he did not impress me. He was preaching a prosperity gospel and his program was called INCREASE. He kept going on about how God wants us all to be rich, and that if you followed all the information in his INCREASE program, you too will be rich. He was very enthusiastic, but at one point he used a ‘negative’ tactic. He told the audience that his program would not for 90% of the audience because they would fail to follow the instructions. Yet when he was done speaking, dozens of people were lining up to buy his $400 financial INCREASE program on 16 CDs. I did NOT give that snake oil salesman one penny, and I never set foot in that church again.

Everything is online!

Before you shell out your hard earned money for seminars, programs, or encouragement:

Almost everything  you want to know is already online somewhere, FOR FREE.

E-books, recordings (both audio and video), charts, graphs, statistics, plans, you name it, it’s all out on the internet for you to access. You have the sum total of human knowledge at your fingertips if you own a Smartphone or have some way to access the internet. Knowledge is power, and that power is yours for the taking. You just have to believe that it’s possible and do it. People will always try to discourage you from succeeding, but when they do you have to tune them out. Their dreams died long ago and they can’t stand to watch you succeed where they failed. Misery loves company, so decline the invitation to their pity party because you’re better than that.  You can do it! I believe in you. As always, I wish you success and happiness.

Help Yourself!

Are self-help books all they’re cracked up to be?

 

selfhelp

If you walk into any decent bookstore, you’ll notice that a large section of the store is devoted to self-help books. Self help books usually fit very nicely into three inter-related categories:

  • Wealth
  • Health
  • Relationships

Depending on one’s  personal situations, one of these three categories may be more important to you than another, but from my personal view point wealth (or financial stability) is the lynch pin that holds the other two components in place. The stress and worry associated with poor financial decisions will ruin both your health and your relationships.   Fighting about money is the number one relationship killer. With such a huge selection of self-help books and authors to choose from, you might wonder if self-help books really work at all.

A mind not to be changed by place or time. The mind is its own place, and in itself can make a heav’n of hell, a hell of heav’n. – John Milton

John Milton was a 17th century English poet. His most famous work was Paradise Lost, a long narrative poem which basically expands upon the biblical story of Adam and Eve from the book of Genesis.

In the 1997 movie The Devil’s Advocate, Al Pacino  plays a character named John Milton, a lawyer who is  actually Satan in disguise. At one point during the film, Pacino utters this quotable dialog : “The worst vice is advice”. It’s a statement that’s a little confusing, but I found it to be both funny and profound. Some people are in the habit of advising other people about anything and everything, even when they have no worthwhile advice to offer.  So it’s very important to be able to discern if the advice given is of any value. I cannot tell you how many times people (who didn’t know what they were talking about) gave me bad advice which had I been foolish enough to act upon would have had disastrous consequences.

If you’re considering seeking out a self-help book, then you’ve already made the first step in problem solving, admitting to yourself that there’s a problem. The second step is gathering information so you can formulate a solution. The third step is putting that information into practice, but the forth and final step is the real key to success. That forth step is maintaining the third step while improving upon and refining it as new and better information comes along. Practice makes perfect, quitters never win, and winners never quit.      

All the good advice in the world is worthless if you fail to apply it. Therein lies the problem. Most people looking for self-help books are ACTUALLY seeking quick fix solutions to their problems that require little or no effort on their part. They are NOT expecting to discover PERMANENT life changes.

Take diet books for example.  (At the risk of insulting any actual dietician or fitness expert who may have written a really sound book, I’m NOT going to mention any specific book title, or author.)  

Average Joe is 100 lbs overweight and hears  about a fabulous new diet book by a well respected author, and he immediately orders a copy. The book arrives and after a month of making all the tasty  meals, Joe loses 25 lbs. He pats himself on the back uses his new diet book to prop up the short leg of the table, and goes to the all-you-can-eat buffet to reward himself. A month later, he has gained back the weight he lost, and blames the author and the stupid book. Then he hears about another new diet book and repeats the process over and over.  The problem isn’t the advice he received, it is that he stopped following it the moment he saw positive change, and resumed all the bad habits that caused the problem in the first place.

If you want to stop a problem,  you MUST stop going all the things at caused the problem, PERMANENTLY! You don’t go back, ever.   Occam’s razor, dictates that “the simplest explanation is usually the correct one “. If you keep wondering why all your problems keep happening to you, it’s because the problem isn’t the problem, the problem IS you. To quote Shakespeare  “The fault, dear Brutus, is not in our stars, but in ourselves”  You’re not a victim of your circumstances, you’re a volunteer and it’s up to you to break the vicious cycle that you’ve trapped yourself in.

As I’ve said many times, I grew up poor because my father died when I was young, and my mother didn’t have the intelligence to handle money. If you gave her one dollar, she’s spend two.  I broke the vicious cycle of poverty that had trapped most of my family by seeking wise council on money and financial matters.  I put these practices into place years ago and never stopped working my way towards financial freedom.   This is why I’m successful today. I realized that my way of thinking was what caused the problem, and I actively sort out better information from someone smarter than myself.  This is because a greater intelligence is always needed to fix a problem than the intellect that caused it.  

So as your trying to figure out which of the near infinite self-help books will provide the answer to your problem, let me give you a ‘short cut’. The best self-help books all offer the simplest answers, and often quote the Bible.  If you read enough of them, they all eventually seem to offer the exact advice.

  • For wealth–  Spend  less then you earn,  live within your means, and save and invest.
  • For health– Eat proper nutritious meals and exercise regularly.
  • For relationships – Be good.  

It’s just common sense, not tricks or gimmicks.  

Those who trust in themselves are fools, but those who walk in wisdom are kept safe. (Proverbs 28:26)

You may have heard it said ‘God helps those who help themselves’. This is NOT biblical. You will not find that phrase anywhere in the Holy Bible. Benjamin Franklin popularized it.  The Bible tells us that we can do all things through Christ who strengthens us, and also encourages us to seek wise council. It is the first and the greatest ‘self-help’ book, timeless and perfect.

Here are a few helpful  proverbs form the Bible:

Proverbs 12:15

The way of a fool is right in his own eyes, But a wise man is he who listens to counsel.

Proverbs 11:14

Where there is no guidance the people fall, But in abundance of counselors there is victory.

Proverbs 13:10

Through insolence comes nothing but strife, But wisdom is with those who receive counsel.

Proverbs 19:20

Listen to counsel and accept discipline, That you may be wise the rest of your days.

So if you’re seeking the ultimate self-help book why not try reading the time tested original first. As always I wish you happiness and success!

Sorry, Not a Winner!

Don’t fall victim to ‘Get-Rich-Quick Schemes’.

Back when I was in college, I used to work late nights and weekends at a convenience store. You know the type, a small retail business that stocks a range of everyday items such as groceries, snack foods, coffee, soft drinks, tobacco products, newspapers, and magazines. I’d start at 10 pm and would usually be ending my shifts around 7am. Like most c-stores, we also sold lottery tickets, both the ‘instant win’ scratch-off tickets and the computerized state and national mega-million number games.  Time and again, I would see the same people on their way to and from their places of employment. These regular customers would stop by daily to grab a cup of coffee, a pack of cigs, and usually lottery tickets. This was an everyday occurrence.  Often, they would scratch off the instant lottery tickets at side of the counter while sipping their coffee, and if they won a free ticket, they would redeem it for another chance to win.  I can’t tell you how many of the same people day in and day out spend upwards of $5.00 a day on lottery tickets. It was worse when the mega-million jackpots started growing and lotto-fever hit these would-be millionaires. I never once in all the years I worked there, sold someone a million-dollar winning ticket.        

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The one dollar trap.

Part of the allure of lottery tickets is how inexpensive they are. For only a buck you could be a winner! After all, what could you possibly do with that measly dollar? Because of this, it’s very easy to get caught up in the lottery trap.  My mother, and all of my aunts spent tens of thousands of dollars over their lifetimes chasing the elusive ‘big win’. Not only did they play the lottery, they also played bingo, went to casinos, and gambled. My late grandmother was a book-maker, taking in illegal spots bets. One of my cousins lost $600 at a casino in a single evening last month. My last surviving aunt, who lives in near poverty,  frequently wastes her precious few dollars on lottery tickets, and betting on horse races.  Not a single member of my family ever became wealthy by gambling, and all died penniless.

But the Apostles cast lots in the Bible, so gambling is ok, right?

“The lot is cast into the lap, but its every decision is from the LORD,” (Prov. 16:33)

In the Bible, the casting of lots is mentioned several times.

  • The eleven apostles cast lots to determine who would replace Judas (Acts 1:26).
  • The Roman soldiers casting lots for Jesus’ garments (Matthew 27:35).    
  • God instructed the Israelites to cast lots on several times in the book of Numbers (Numbers 26:55; 33:54; 34:13; 36:2)  
  • The practice of casting lots occurs most often in connection with the division of the land under Joshua (Joshua chapters 14-21)
  • The sailors on Jonah’s ship (Jonah 1:7) also cast lots to determine who had brought God’s wrath upon their ship.

This is NOT the same as gambling. The casting of lots was the ancient equivalent of flipping a coin to make an arbitrary decision.  Another thing you may notice in all of the above references, is that there was no initial up-front investment by the participants to be included.  When you gamble, you have to wager a personal stake of some sort which becomes forfeit if the outcome is not in your favor. I’ve also heard people try to justify gambling by saying that bingo is played in Catholic churches, so it’s okay.  Actually there have been several times over the past seventy years when bingo was banned in churches, and even today it’s rare to see bingo played  outside of a bingo hall or at a private club. It’s not illegal, but that doesn’t make it ‘good’.  Anything which becomes an addiction is bad, and as God has given us free will, we have to decide for ourselves through studying his Word if we are becoming addicted to a particular bad habit.  

All things are lawful unto me, but all things are not expedient: all things are lawful for me, but I will not be brought under the power of any.   1 Corinthians 6:12 King James Version (KJV)

For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows.  1 Timothy 6:10 King James Version (KJV)

The easy way

Buying a lottery ticket is not against the law. On very rare occasions even I have been caught up in ‘lotto fever’ when the mega-million jackpot hits record highs, and I feel compelled to contribute to the office lotto pool because I don’t want to be the one guy that got left behind should my co-workers win and split the jackpot.  It’s not wrong to want to have a better life. But if you feel that there only way to improve your lot in life is by gambling, then there is something seriously wrong with your way of thinking. Let’s go back to the guys I mentioned who brought daily lottery tickets on their way to work back when I worked at the c-store.  Let’s say they spent $5 a day, five days a week on lottery tickets on average.  I sold some of these guys tickets for years, and they never hit any big jackpot. So let’s assume that instead of wasting $25 a week on lottery tickets, they just put that money in a jar every week for a year. At the end of the year they would have $1300.00.  Now let’s assume they did this every year for twenty five years, never toughing the money, just putting it in the jar, $25 a week, every week for twenty five years. They would have stashed away $32,500! Now suppose instead of just hiding the money away in a jar, they had placed in a brokerage account and invested it in a index fund tracking the S&P 500, (assuming about a 12% interest rate APR ) that investment would have grown to over $100,000!   

The easy way to became rich is not by gambling. The easy way to achieve wealth is to do it slowly over time, cutting all unnecessary expenses, and by making wise investments.  As always, I wish you happiness and success!  

 

What if you died today?

The importance of planning your estate.

“Live life like you’re gonna die, because you’re gonna.” – William Shartner  (from his song You’ll Have Time)

smell the flowers2

Last week, I posted a blog entry asking if you’d outlive your retirement savings, if any. Ironically, this week’s post deals with the opposite situation. What if you suddenly died before retirement age?  Honestly, I never thought I’d be writing on this topic, but a couple of days ago, ‘C.Z.’ a long term co-worker and friend suddenly died. This is not the first time this has happened to me at my job. 4 years ago the same thing happened to another friend and co-worker, Harvey. I work in a very high-stress career which is not ideal for anyone, and in the years I have been employed there, I have had 4 co-workers die from fatal heath-attacks, all under the age of 60, and one, ‘Joe’ who committed suicide.

My father was another person in my life who died six weeks shy of his 58th birthday, never living long enough to retire.  He left no will, a small bank account, and my mother had to handle financial matters as best she could, which is why she eventually died penniless, depending upon me to pick up the pieces.

Retirement is the cherry on the ice cream sundae. It’s the boon at the end of a long career where you get to enjoy your twilight years. Reaching retirement age dead broke with a meager government SSA check is horrible. Never living long enough to retire is tragic. Long ago, I vowed to never live in poverty, and to take care of my health so that I lived long enough to actually retire, physically and financially fit.

Those we leave behind

Discussing dying and death is very hard, but death is a part of life. No buts about it, we are all going to die someday, and we need to have our affairs in order. Funerals are expensive. How do you determine the last wishes of the departed? Who gets their possessions, if any? There are all important questions which need to be addressed and it’s not fair to dump them in the lap of someone else, be they spouse, child, relation, or friend. 

When a person dies:

  • You should immediately contact any surviving family or friends. No one wants to find out from an obituary in the newspaper, or discover long after the fact that their loved one has passed. These are ‘hard’ calls to make. Trust me, I’ve been on both sides as the caller, and the called. As the informed, and as the clueless  person who discovered a death months after the fact. It’s not fun. It’s best to find out ASAP, especially if you have a desire to attend a memorial service and make peace with the situation. Life is for the living, so be mindful of those who will be left behind.
  • Contact their place of employment if they are still employed.
  • Contact their union rep if they are part of a union.
  • Contact any life insurance companies they may have had.
  • Contact their personal lawyer (if known).
  • Contact  Social Security.  SSA can pay a one-time payment of $255 to the surviving spouse if they were living with the deceased. If living apart and eligible for certain Social Security benefits on the deceased’s record, the surviving spouse may still be able to get this one-time payment. If there’s no surviving spouse, a child who’s eligible for benefits on the deceased’s record in the month of death can get this payment.  Certain family members may be eligible to receive monthly benefits, including: — A widow or widower age 60 or older (age 50 or older if disabled); — A widow or widower any age caring for the deceased’s child who is under age 16 or disabled; — An unmarried child of the deceased who is: o Younger than age 18 (or up to age 19 if they’re a full-time student in an elementary or secondary school); or o Age 18 or older with a disability that began before age 22; — A stepchild, grandchild, stepgrandchild, or adopted child under certain circumstances; — Parents, age 62 or older, who were dependent on the deceased for at least half of their support; and — A surviving divorced spouse, under certain circumstances.

It doesn’t matter if you are single or married, you need to prepare as much as possible for the executor of your estate including:

  • A designated executor for your estate.
  • A contact list containing phone numbers and address of people to be informed of your passing.
  •  A written will designating how your effects should be dispersed.
  • A list of insurance policies.
  •  Desires for funeral arrangements.  
  • Lists of assets such as bank accounts, stock accounts, IRAs, 401(k)s, deposit boxes, real estate, vehicles, businesses,  etc.
  • Computer social media platforms and relevant  passwords.* (Passwords and pin numbers should always be hidden, and secured when you are alive. You don’t want identity theft to occur and ruin your life.   Designate one person, but not more than two to know where these secured and hidden codes are in your home. This MUST be someone you trust with your life. )  

A company called Intentional Retirement sells an “If Something Happens to Me Kit”. It’s about $50, but contains everything you’d need to help you  set up your estate.

http://intentionalretirement.com/ishtm-kit

Also, consider pre-planning your own funeral. You can pre-fund and set up all the arrangements years in advance with most reputable funeral homes, sparing your loved ones the pressure, duress, and expense of making your final arrangements. Think about them, you’ll be in a better place, but do you want to cause them undue suffering while they are morning your loss?   When my mother died, I had literately hours to arrange her burial and needed to pay 1/3 of the bill in advance. It cost me over $10,000 for her funeral and took years to pay off the balance.  

Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.–

H. Jackson Brown, Jr

GOOD NEWS! If you’re reading this blog, you’re still alive! As I said discussing death and dying is not fun, but living is! So while you are still able, go out and enjoy life! Prepare for the inevitable to make your passing easier for those you leave behind, but above all remember that your life is YOUR LIFE. Only you can live it. You can be frugal with your finances while still enjoying all that life has to offer. The best things in life are free, and God is good, always! Celebrate your life by living it! As always I wish you happiness and success!

The yolk is on ewe!

More than colored eggs and chocolate bunnies, the economics of Easter.

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I find it very appropriate that in 2018, Easter falls on April 1st, which is National Atheists Day. The last time this occurred was 1956, and it won’t happen again until 2029. If you’re wondering why April 1st is National Atheists Day, The Bible makes this clear. “The fool hath said in his heart, There is no God. They are corrupt, they have done abominable works, there is none that doeth good” (Psalm 14:1). The Bible says that anyone who denies God is a fool! So Happy Easter and April Fool’s Day!

Easter is the third-largest celebration right after Christmas and Thanksgiving, especially in Christian countries – like the US. Although the origins of Easter are religious, and are supposed to celebrate the resurrection of Jesus Christ, it has become more commercialized and now seems to concentrate on the candy aspect. Although candy is dandy, and not to mention  a very big business, God is awesome! ALL THE TIME.

Easter: Good For Business

Easter spending is expected to total $18.2 billion this year, the second-highest level on record, according to the annual survey conducted for the National Retail Federation by Prosper Insights & Analytics. A total of 81 percent of Americans will celebrate the holiday and spend an average of $150 per person. Last year was slightly higher $18.4 billion in 2017, which is approximately $152 dollar a person. The NRF survey has been tracking consumer spending since 2003.

This money will be spent mainly on food and candy, but other categories include clothes, gifts, flowers, decorations, greeting cards, and travel.

In the USA popular candies include my three favorites: Reese’s Peanut Butter Eggs, Cadbury Creme Eggs, and the ubiquitous chocolate bunnies in various sizes and shapes. (I prefer a solid white chocolate bunny.) Jelly beans are still around but not as popular with the current generation. Marshmallow Peeps are another very popular candy, but I can’t eat them because they contain gelatin.  Plus all this sugar is really bad for my diet.

One Cadbury Creme Egg packs about 20 grams of sugar, and four pieces of the mini version has around 21 grams.

Sugar-coated marshmallows like Peeps, however, have 34 grams of sugar in the suggested serving size of five traditional chick-shaped candies. So perhaps it’s best that the aforementioned gelatin prevents me from eating Peeps.   

What candies or Easter foods are popular in your country? I’d love to read about them in the comments.

Easter Themed Seasonal Treats

As you may recall, I have been in the process of trying to start a coffee shop for some time now, with little success and a lot of lost funds. I haven’t given up, it’s still on the back burner while I regroup and try to rebuild my cafe investment egg. Seasonal holidays can present exciting opportunities for small business specializing in food and drink . Tailoring special menu items can generate new sales. Peanut Butter Mocha! Coconut Cream French Soda. Maybe a bunny shaped cookie, or one frosted like a Easter egg.  Maybe make a special chocolate peanut butter sandwich cookie. Be creative!

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Placement of impulse items on counter tops near the register can bring increased revenue. Chocolate covered coffee beans anyone?  Use your imagination! One cleaver local cafe owner had a basket filled with plastic eggs on the counter in an Easter Basket. Patrons were encouraged to ‘try their luck’ and choose a plastic egg which contained a coupon for either a free item or a discount. A wonderful idea! If you have a cafe or food business, I’d love to hear some of your Easter-themed seasonal items and suggestions! Happy Easter, and as always, I wish you happiness and success!    

The Three Big No-No’s

Explaining the Inter-connectivity of Politics, Economics, and Religion.

AN EPIC OPINION/RANT

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“Freedom is never more than one generation away from extinction. We didn’t pass it to our children in the bloodstream. It must be fought for, protected, and handed on for them to do the same.”   – Ronald Reagan

It’s often been said that you’re never supposed to discuss politics, religion, or money (economics).  The problem is that these are three topics are very important, and share a high degree of inter-connectivity when we are discussing the USA. InstantCoffeeWisdom.com is MAINLY a financial blog, but it does sometimes touch briefly upon matters of religion and politics because  of the shared nature of the three topics.  With the ability of the populace to access the sum total of human knowledge via their internet-enabled smart phones, we have the largest forum ever created in which to voice our opinions and concerns. It amazes me that my weekly blog has been read by people in over 25 nations around the globe. My late father was a newspaper editor and had a weekly column for years  which never circulated outside of New York City. It is amazing how fast the world has changed in less than fifty years.

There has been a dumbing down of America and we can’t keep ignoring it because it’s not going away, it’s only getting worse. Due to the vast information overload, people who lack critical thinking skills are having difficulty distinguishing between fact and fiction.  The signal-to-noise ratio is off the scale and people can chose to listen to whatever viewpoint aligns with their personal ideology.   These uninformed  and indoctrinated citizenry are unable to critically evaluate and analyze everything they hear, choosing    instead to believe whatever fake news supports their fantasy world.

I am a Christian and a Republican and  I FULLY support my God Jesus Christ, My President Donald J. Trump, and the United States of America.

That being said, I’m going to attempt to explain how the three big no-no’s which you’re not supposed to discuss for fear of offending someone are connected. This is a very complex topic which could fill volumes, but I’ll try to keep it as short as possible. This is meant to inform, not offend.

“At the core of liberalism is the spoiled child – miserable, as all spoiled children are, unsatisfied, demanding, ill-disciplined, despotic and useless. Liberalism is a philosophy of sniveling brats.” – P.J. O’Rourke

More and more, young people on college campuses are self-identifying as libertarians, communists, anarchists, or any other fringe group attempting to overthrow the government. They stage protests, destroy property, and burn flags while condemning made-up issues like corporate greed and conservative bigotry. They demand that the president be impeached, the constitution changed or eliminated altogether,  and that the government must provide them with all these free services and non-existent ‘rights’ they claim to be entitled to.

On top of this, I can’t go a single day without hearing some brainwashed fool  comparing President Donald J. Trump to Adolf Hither. 

I for one, am sick of hearing about it. I’m tired of being called names by ignorant twits who couldn’t pass a civics test if their lives depended upon it. This is the greatest county on the face of the Earth. If you don’t like the USA, LEAVE! There are 194 other countries  in the world, pick one you like and move there.  And don’t come back, EVER!

Nothing beats capitalism for generating wealth

Communism and socialism do not allow the same freedoms granted by capitalism. Under Capitalism, individuals own and control land, capital, and production of industry. You can buy what you want, live where you want, work where you want. You have the maximum amount of choices possible in life and the freedom to act upon them. This is the ‘pursuit of happiness’ from the Declaration of Independence. Life, liberty and the pursuit of happiness are unalienable rights granted by our creator, God.  When God is the final authority, your rights cannot be revoked. In communist  or socialist countries rights are granted by the state, and can be revoked if the state decrees it.  Capitalism and Christianity function together best out of all the economic systems.  This is why the Founding Fathers chose it.

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Often you hear cries that you ‘can’t mix religion and politics’, that there’s ‘separation of church and state’.

Almost all of the Founding Fathers of the USA were Christians with very few exceptions. As such, their world view was greatly influenced by their Biblical beliefs. Revisionist historians and leftist ‘liberal’ teachers have obscured this fact in the modern classroom, greatly influencing the impressionable minds of young children who believe everything they’ve been told. As a result the majority of the next generation has been corrupted by the very teachers entrusted with their education. By and large, they have been rendered as the useful idiots of the left. Unquestioning revolutionaries fed by lies at every level of their cognitive development. Having been empowered by a steady diet of YA dystopian fiction throughout their teens, these millennial snowflakes react violently at worst, and at the very least hurl insults at any authority figure that attempts to point out the fallacy in their way of thinking. They often accuse conservatives of bigotry and hate, but if you wish to see a true display of hatred, disagree with a liberal! They are totally brainwashed and think everything great about America is bad.  Unfortunately, once a person has been so thoroughly brainwashed, it’s impossible to break through to them. Any attempts to un-brainwash them will only result in you being frustrated, and them having a dish-pan brain.      

The Fourth Center of Learning

Prior to the Twentieth Century, there were only Three Centers of Leaning.

  • Family
  • Church
  • School

Your world view was shaped by these three segments of life. These are the same three that shaped the world view of the Founding Fathers. Church and scripture reading were a larger segment of their lives, and influenced their way of thinking.

In the Twentieth Century, this changed. We developed an new Forth Center of Learning.

  • Media

Movies, radio, television, computers and the internet drastically changed the way we viewed the world. Suddenly people were introduced to idea and topics that prior generations never thought about.  When Clark Gable said ” Frankly My Dear, I Don’t Give a Damn” in 1939 in Gone with the Wind, it was shocking. Now we have all sorts of foul language throughout media that children are exposed to.  In December 1953 Hugh M. Hefner published Playboy Magazine, and you could buy porn at the newsstand. Today, it’s everywhere accessible via the internet, and even new TV shows and movies contain scene of gratuitous nudity and simulated sex.  Now we get the majority of our information through media. Let’s not even get started on all the violent content found throughout our modern entertainment.

At the same time Media was gaining a bigger part of our attention, the three tradition centers of learning were being  attacked. In schools, students were being taught what to think, not how to think. Christianity was being labeled as outdated, and the Bible filled with ‘errors’. No-fault divorce was added to our legal system and has lead to more broken families than any generation prior.  Now we have a generation that is learning about life from what’s taught to them by the media. They have no firm moral center. Instead they rely on ethics. Morals and ethics are very different things. Morals come from a religious source and are concrete, whereas ethics are drawn from societal norms and are situational and fluid. Morals define things as either right or wrong 100% of the time.  There is no grey area. Ethics change with the circumstance and individuals. What’s right for you may be wrong for me. If something is legal, it is not unethical. If it were unethical it would be illegal. If something is immoral, it is ALWAYS immoral whether it is legal or not. God wants what is best for us and outlines it in his Word, the Bible. It not only covers laws and acceptable social behavior, it also provides encouragement and has over 2000 passages relating to financial matters that are time proven.  

In the twenty-first century, only about 2% of Christians have ever read the Bible cover to cover. This lack of biblical knowledge has resulted in much of the immorality and financial poverty that plagues our society and threatens our nation. The common knowledge and common sense of our forebears has been lost due to illiteracy and apathy.  As a constitutional republic, we elect our representatives to vote legislation on our behalf. How can you elect moral leadership if you have no standard by which to measure the man?  How do you vote laws if you have no measure of accepted morals or justice? So today, we have a very different world-view than The Founding Fathers.  If you don’t believe religion belongs  in politics, you are sadly mistaken. God has been involved in the United States since its inception because the Founding Fathers had a Biblical world view.

One Nation Under God

  • The United States is the longest existing constitutional republic in history.
  • It is a Christian nation.
  • It has a capitalist economy.

Attempting to change just one of these three factors will diminish or even outright destroy the other two.

The “wall of separation between church and State” is a metaphor based on bad history, a metaphor which has proved useless as a guide to judging. It should be frankly and explicitly abandoned. Wallace v. Jaffree, 472 U.S. 38 (1985) – Supreme Court Chief Justice William Rehnquist

The phrase ‘separation of church and state’ does not appear ANYWHERE in the Constitution. Don’t believe me? Read it for yourself. I did. The 1st amendment guarantees the right of freedom of religion, and bars any laws from being enacted to restrict or prohibit it. The constitution is ‘almost’ impossible to change. The founding fathers designed it this way to protect it. In the wake of the recent school shooting there has been sharp criticism from the left to change, or even to revoke  the 2nd Amendment. If the constitution could be changed at whim, they could easily revoke the 1st amendment as  well and eliminate religious freedom, and free speech.

Our political structure and election system comes straight from the Bible.

21 But select capable men from all the people—men who fear God, trustworthy men who hate dishonest gain—and appoint them as officials over thousands, hundreds, fifties and tens. 22 Have them serve as judges for the people at all times, but have them bring every difficult case to you; the simple cases they can decide themselves. That will make your load lighter, because they will share it with you. Exodus 18:21-22

As a republic, we elect representatives to act on our behalf and based on the will of the people. If immoral self-serving con-men are elected, there is nothing to stop them from passing laws according to their own desires against the will of the people. This is the rationale behind the  “drain the swamp” movement. (Washington D.C. was originally swampland.) Also, since the members of the Supreme Court are picked by the president, the wrong person in the White House could pack the High Court with justices that ‘legislate from the bench’, dramatically reshaping the USA into their own vision.

The three branches of Government –Judicial, Legislative, Executive– are derived from Isaiah 33:22

22 For the Lord is our judge, the Lord is our lawgiver, the Lord is our king; he will save us. Isaiah 33:22 King James Version (KJV)

The Supreme Court comes from the Bible too. The ancient Jewish court system was called the Sanhedrin. The Great Sanhedrin was the supreme religious body in the Land of Israel during the time of the Holy Temple.

Our First President was a devout Christian

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George Washington, the first president of the United States was a devout Christian who spent two hours each day reading the Bible and in prayer on his knees , one hour in the morning, and one in the evening.

When he was inaugurated as the first president, he placed his hand upon the Bible, when he took the oath to God, he bent over and kissed the Bible and then lead the entire congress to Saint Paul’s Church  for  a two hour service of worship and thanksgiving.  

Shortly thereafter the Congress of the U.S. asked Washington to declare a National Day of Thanksgiving.

Does this sound like the actions of people who wanted their newly created nation to be devoid of religion? No! The government was designed to work hand-in-hand with biblical principles for the glory of God.  

[New York, 3 October 1789] By the President of the United States of America, a Proclamation.

Whereas it is the duty of all Nations to acknowledge the providence of Almighty God, to obey his will, to be grateful for his benefits, and humbly to implore his protection and favor — and whereas both Houses of Congress have by their joint Committee requested me “to recommend to the People of the United States a day of public thanksgiving and prayer to be observed by acknowledging with grateful hearts the many signal favors of Almighty God especially by affording them an opportunity peaceably to establish a form of government for their safety and happiness.”

Now therefore I do recommend and assign Thursday the 26th day of November next to be devoted by the People of these States to the service of that great and glorious Being, who is the beneficent Author of all the good that was, that is, or that will be — That we may then all unite in rendering unto him our sincere and humble thanks — for his kind care and protection of the People of this Country previous to their becoming a Nation — for the signal and manifold mercies, and the favorable interpositions of his Providence which we experienced in the course and conclusion of the late war — for the great degree of tranquility, union, and plenty, which we have since enjoyed — for the peaceable and rational manner, in which we have been enabled to establish constitutions of government for our safety and happiness, and particularly the national One now lately instituted — for the civil and religious liberty with which we are blessed; and the means we have of acquiring and diffusing useful knowledge; and in general for all the great and various favors which he hath been pleased to confer upon us.

And also that we may then unite in most humbly offering our prayers and supplications to the great Lord and Ruler of Nations and beseech him to pardon our national and other transgressions — to enable us all, whether in public or private stations, to perform our several and relative duties properly and punctually — to render our national government a blessing to all the people, by constantly being a Government of wise, just, and constitutional laws, discreetly and faithfully executed and obeyed — to protect and guide all Sovereigns and Nations (especially such as have shewn kindness onto us) and to bless them with good government, peace, and concord — To promote the knowledge and practice of true religion and virtue, and the encrease of science among them and us — and generally to grant unto all Mankind such a degree of temporal prosperity as he alone knows to be best.

Given under my hand at the City of New-York the third day of October in the year of our Lord 1789.

Also in 1789, the first act of the newly created Supreme Court of the US was to have a FOUR HOUR communion service.

Furthermore, without exception:

  • The Inaugural address of every U.S.  president mentions God.
  • The Constitutions of all 50 states mention God.
  • The majority of the monuments and federal buildings in Washington D.C. contain scores of inscriptions and references to God.
  • The National motto In God We Trust is on all our money.
  • God is mentioned in our National Anthem and in our Pledge of Allegiance.         

“In this present crisis, government is not the solution to our problem, government IS the problem.”  — Ronald Reagan 

Purpose of U.S. Government

According to the Constitution’s preamble, the specific functions of the United States government are:

  1. ‘To form a more perfect Union’
  2. ‘To establish Justice’
  3. ‘To insure domestic Tranquility’
  4. ‘To provide for the common defense’
  5. ‘To promote the general Welfare’
  6. ‘To secure the Blessings of Liberty’

It is vitally important that Christians have a role and a voice in civil Government. We need to elect moral leaders who have a deep understanding of what the Bible says, and are willing to defend the Constitution.. In addition, they must have a firm understanding of business and the economy. Passing laws that hurt business and punish the wealthy are bad for the economy. Laissezfaire economics are a key part of free market capitalism. The government has no business interfering in the day-to-day operations of any business. The less the government is involved in the economy, the better off business will be – and by extension, society as a whole. 

Since Donald J. Trump was elected, he has been pushing through sweeping tax cuts and cutting bureaucratic red tape which is helping fix the economy.  I trust President Trump more than anyone else in Washington. Just because you don’t see everything going on behind the scenes, doesn’t mean it’s not happening. He is a capable leader that is slowly checking off items on the list of campaign promises he made which got him elected.  I am confident that he is going to do everything in his power to defend the Constitution and that he will Make America Great Again. A Christian man leading a Christian nation is definitely good for the county. When America blesses God, God will bless America. As always, I wish you happiness and success!