Top Of My Head


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Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Thursday, July 15, 2010

I believe

I am a centralist lesbian who is liberal in social views and fiscally conservative.

I believe that if you work hard, you can achieve the American Dream.  

I believe that we were lied to at the start of the War In Iraq and I believe that now we're in a huge mess over there that will end up causing more terrorism in the world.  

I believe that the huge tax cuts for the rich and corporations, that started until Ronald Reagan in the 1980's, proved to be ultimately bad for our economy.  I believe that we need to make our borders tighter and work on keeping out both illegal immigrants and legal ones.  In this economic crisis, we can't afford foreign workers to take the few jobs available for American workers.

I believe that without the unions, we would all be working six days a week, without healthcare and without vacations.  

I believe that large companies only care about their bottom line and not the people that work for them.  I believe that without high tariffs and high taxes on companies that close American plants to move them overseas, we will remain in this recession and it will only get worse, not better.
I believe that people who only watch Fox News are missing half the story.

I believe that people who only watch MSNBC are missing half the story.
I believe that we could be a better nation if we all just spent more time watching what happens in Washington and our state legislatures and less time watching the train wreck that is Lindsey Lohan's life and stop paying attention to Sarah Palin.
Speaking of Sarah Palin, I believe she is a "big deal" because the media tells us that she is.  She sells papers, so the couple of million followers she has, appears to be greater.  Fox News having no one else pretty puts her on and the rest of the media goes wild.  I believe her fifteen minutes of fame are up and her base will let her down in November when the tea party Republicans run against mostly centralist democrats.
I believe that the majority of the country are centralists and if they vote in an election, the polarizing ends will lose.  I, also, believe that a lot of people in this nation don't know what a centralist is.
I believe that if we don't educate our children in technology and science at a young age, we will remain 4th for technology and probably fall farther still.  We need to educate our people or we will lose this country and no one will have to fire a shot.
I believe that the First Amendment still is and always will be the most important Amendment.  I don't believe that the Second Amendment really means it is okay for the average person to wear a side arm.  I don't believe that it makes us any safer.
Speaking of Amendments, I believe that if you asked anyone on the street to name the ten that makes up the Bill of Rights, most people probably couldn't name more than five.  (I could only name 9 a few days ago.) 
I believe that the NRA is one of the worse organizations in this nation.  I was a member back in the 80's, so I should know.  Any organization that supports armor piercing bullets really only cares about their own agenda and not what is best for the nation.

I believe that if we keep listening to the fringe wingnuts on the right and left, we will fight ourselves into oblivion.
I believe that people who believe the world will end in 2012 need to be pitied. We've had a lot of end times and they haven't happened yet.
I believe that gay people should have the right to marry whomever they want and the country will not collapse.
I believe that people should have the right to make their own decisions about end of life decisions.  I don't believe anyone has the right to tell them what the decision should be.  I believe that when I'm old, in pain and become incontinent, that I will want to be put down.   I believe that it is too bad doctors can't just give you a shot, like we do with animals.
I believe that God loves me, but He doesn't give a rat's ass about who is president and, He certainly doesn't give a damn about this country.
Speaking of God, I believe that one nation under God was only added to the pledge in the 1950's to combat the godless communists.  I believe that it doesn't matter to most Americans that it is there or not. I believe that if you don't want to say it, you shouldn't have to say it.  I, also, love to tell right-wing Christians that it should be removed, just to watch those veins pop out of their neck and their faces to turn red.  I believe that I can be a little shit every once in a while.
I believe that we waste a lot of money on our nation's drug war.  I believe we should legalize pot and, possibly, legalize cocaine.  I believe that would cause the drug lords south of the border to financially collapse.  I believe it would cause Americans who weren't good for much anyone to do themselves in (the coke users).  I believe we could tax the hell out of these drugs and pay for healthcare.
Speaking of taxes, I believe that President Obama should allow the tax cuts for the rich to expire next year.  I'm not that rich, so they won't affect me and they won't affect most Americans.
I believe that we have a lot of problems in this country and they won't be solved overnight.  We have a long way to go and we need to work together.
But, despite our differences and our problems, I believe that we still live in the greatest country on earth.
And, I believe I'd like to hear what you believe.  That's what the comments section is for.

Saturday, August 29, 2009

WMAQ is going to make me rich!

When I was a kid, WMAQ radio station in Chicago held a contest where if they called you and you said, "WMAQ is going to make me rich!" you would win $1000. A mighty sum in those days and a huge sum to an 11 year old girl. For ages, I would answer the phone, "WMAQ is going to make me rich!" and for a brief moment - lasting until the caller asked for my mom or my dad - I would imagine winning the money.
My mother, on the other hand, would admonish me to no end about the proper way to answer a phone. She was - and still is - an Avon lady and the family phone was her business line. She worried that her Avon customers wouldn't know what to say to an 11 year old proclaiming a radio tagline. I think she sold her customers short. Most of the time I would receive chuckles before the caller would ask for my mom or dad. Strange, now that I think about it, even when I was a teenager, I never received as many phone calls as my parents did.
Once, I answered the phone with "WMAQ is going to make me rich" and I heard a man's voice tell me that he was from WMAQ, but I needed to get my parents. Turns out it was our neighbor, Mr. Wolf, and I wasn't rich, but I've never forgotten that thrill when I actually believed -- and yelled out that I had -- won.
Every once in a while, I'll stop and purchase a lottery ticket and I know that I have a million to one shot at winning the lottery. But for a brief moment of time, I'm back to being that 11 year old girl and WMAQ is going to make me rich. And, I think that's worth a buck.
God Bless

Monday, August 10, 2009

Cars and Tips

Let's discuss the cash for clunkers program. It is a resounding success, according to Business Week, the program helped sell 157,000 cars. I think that's just get. Now, it is all over the news that the program has been such a success that it is out of money. Congress is thinking about doing it again. I have two concerns with this. My first is that the program apparently didn't just allow sales of smaller cars go up. Apparently, the trade in couldn't get more than 14 or 18 mpg -- I'm not sure which, as I've seen both figures in print - AND the car purchased had to get more than 16mpg. 16mpg? Are they serious? That means those big, hulky gas guzzling SUVs and trucks were being sold. How is that am improvement?

Here's my second concern: If we renew the cash for clunkers program, are we just going to artificially prop up the auto industry like the lowering of interest rates propped up the housing market? I worry what will happen to the economy with a piece of it being blown up again.

I should disclose that I recently purchased a vehicle, but my Suzuki was still getting 24mpg and didn't qualify for the program even though she had 204,000 miles on her. The dealer offered me $100 for her. I donated her to kars 4 kids instead. I'm a little irked that the Suzuki didn't qualify for the program - I know, I could've lied about her gas mileage, but I'm not that kind of girl - but that people are allowed to purchase vehicles that don't get better gas mileage than a car I donated.

So, my suggestion is that we continue the program for another billion, but every car sold must get at least 20mpg city and highway combined.

Next, we're going from cars to waitressing, which I know is a very strange combination.

The next time you sit down in a restaurant, I want you to consider this: That waitress works for $2.33 an hour. That's not a lot of money. On top of that, whether or not you tip her, she pays tax on 8% of your total bill. Further, depending on the restaurant's structure, she is giving a percentage of her tips to the bartender, the hostess and the bus boy.

So, let's say a waitress works an hour and makes $100 in sales. Before she has tip one to count, she owes the government $8.00 in taxes. She only made $2.33 (which is minimum wage) and she owes 15% (not including social security and medicare and state taxes). If the tables in that hour don't tip her, she's just worked an hour of her life she can never get back and worse, she has to pay the government $8.35 for the privilege.

I know what you're thinking, what's your point?

My point is that before you leave that small tip, you stop for a moment and think about the service you've received. If you received good service, make sure you tip 15% of the entire bill -- not just the pre-tax amount -- because she's taxed on the entire bill. If you received excellent service, then you should leave a generous tip of at least 20%. And, if you run into a waitress who sucks, just don't stiff her -- you look cheap. Tip her 8%, to cover the tax and complain to the manager of the restaurant. My philosophy is this: I watch how many tables she has. If the waitress has less than four and I can see her yakking with her friends in the back and my service is bad, she gets a small tip and I complain, but if I can see she has a lot of tables and is keeping up the best she can, then I leave an extra generous tip and I make no complaint.

Oh, and don't just complain, speak with a manager if you receive top-notch service, as well.

I should note, I've NEVER been a waitress. I couldn't do it. Long hours on your feet, dealing with rude customers and making very little for your trouble - not my idea of a career, but someone has to do and those of us who don't should tip them well.

God Bless