Instant Gratification

Americans are obsessed with “instant , gratification”. According to ABC News credit card debt exceeded 1 trillion dollars. USA Today reported in May of 2018 that the average credit card interest rate was 16.71%.

There are very few that will wait and put money back to pay cash for something. Instead they break out the plastic and purchase what they want now, not later.

There are those financial experts that say it is good for the economy. There is no argument that it helps the bottom line of corporations, banks, retail companies etc. but what about the American consumer? They do great when the economy is running like Secretariat coming down the back stretch.

What happens when the economy starts to tank? People start losing their jobs. Interest rates start to creep up. Loan defaults make headlines. At this point a lot of folks have more money going out than coming in.

Is it worth the trade off of starting a flourishing economy with plastic? Right now the economy is doing good but what lies around the next bend? A recession? Depression? The past tells us the government will take care of the financial institutions that make bad loans but what about the American consumer?

With our elected officials so eager to pass so many useless laws or duplicating existing laws, why don’t they do something to pass a much needed law?

I believe it is time for the government to address these excessive interest rates and help protect the American consumer. Put a cap on interest rates that an institution can charge. Silly me. I forgot where they get the money for their campaigns.

Banks pay 1 to 3 percent for a regular savings account. They won’t give us a decent rate but slam us when they loan us money. So not fair to the consumer.

If you make a late payment on one card another card can raise your rates even though you weren’t late on their payment. When your debt to income ratio becomes excessive they can raise your rates. Twenty nine, thirty percent even!

It is time to take control of this excessive credit card debt and demand something be done about these atrocious interest rates. “Instant gratification” has to be put on hold and Americans need to start living within their means. We need to take control of our debt.

I am by no means a financial expert or perfect and this is merely my opinion. I am speaking from experience. If you don’t agree with it we will just have to agree to disagree. Common sense tells us if we are spending more than we make that sooner or later we are going to tank. The only way we can outspend our earnings is through the use of credit.

Spread the love and be kind to each other.

One Tin Soldier

“Now the valley cried with anger, mount your horses draw your sword and they killed the mountain people so they won their just reward.

Now they stood beside the treasure, on the mountain dark and red.  Turned the stone and looked beneath it, Peace on Earth was all it said.

Go ahead and hate your neighbor, go ahead and cheat a friend.  Do it in the name of Heaven, you can justify it in the end.  There won’t be any trumpets blowing come the judgement day.  On the bloody morning after…one tin soldier rides away.”

In 1969 the Canadian pop group, The Original Caste, recorded the song One Tin Soldier written by Dennis Lambert and Brian Potter.  It was during the Viet Nam war era and was considered by many an anti-war song.

Who was this “Tin Soldier”?  The message simply put is that human greed and violence is futile.

The Mountain people seem to be isolated from the rest of the world and dedicated to protecting the treasure that they coveted so dearly.  Did they believe they had a solution to the greed and hatred that was consuming the governments of the world buried underneath the rock?  Would it end the oppression of the weak?  Could the Valley people be representative of an affiliation with a Christian religion?  It’s possible that the “Tin Soldier” was a messenger from God whose job one day would be to bring judgement on those who had committed violent acts against others with the hope of bringing “Peace on Earth” to fruition?  The answers to these questions are entirely left up to the interpretation of the listener.

It’s clear the Valley people believed that “tons of gold” along with other riches were buried beneath the stone.  The Valley people wanted these treasures for their own (greed) and are unwilling to share the treasures with the Mountain people.  Upon the answer from the Mountain people, with our brothers we will share all the secrets of our mountain, all the riches buried there, the Valley people shouted mount your horses and draw your sword and they killed all the people on the mountain.  They turned the stone to find the treasure “Peace on earth”.  No gold.  No riches.

They declare war on the Mountain people and as they stand upon the mountain dark and red with the blood of the Mountain people they find the answer to all the inequities of the world, Peace on Earth.

Thank you for taking the time to read my blog.  I have no evidence that this is the message of Lambert and Potter.  It is merely nothing more than the interpretation of this listener.  I hope you enjoyed it.  Remember to spread the love and to be kind to each other.

Humanity RIP?

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Sunset in Bonne Terre, MO

“You cannot hope to build a better world without improving the individuals.  To that end, each of us must work for his own improvement and, at the same time, share a general responsibility for all humanity, our particular being to aid those to whom we think we can be most useful.” – Marie Curie

Have we built a better world?  Does the present generation value human life as much as we did 50 years ago?   Have we become a society of instant gratification?  Last but not least, are we improving as individuals and what is considered improvement?

A better world?  If we look at it from a technological point I would say that we have somewhat built a better world.  When I was a kid growing up I had the pleasure to be a part of the party line.  You just haven’t lived unless you have partook of the party line.  When the phone rang you had to  count the rings so you knew if it was a call for you or not.  Ours at the time was three ringy dingies.  We have come a long way for sure technically speaking.  There have been a lot of advancements in technology.  Advance in humanity not so much.

“If you truly believe in the value of life, you care about all of the weakest and most vulnerable members of society.” – Joni Eareckson Tada

Value of Human Life?  First of all how do you put a value on a life?  I have to admit that I am quite perplexed by the way young people seem to not value life as much as my friends and I did when we were their age.  Now before you call me all those juicy names I am not saying that everyone in that generation is like that.  There are exceptions to every rule.  I can not figure out what happened.  Bad parenting?  Should they have been taught that there are winners and losers and life isn’t always so good to you and…………..and…………….and just maybe they should have been taught what respect is.  Bullying seems to be a bigger problem than ever.  We had our share of bullying however social media has given these folks a heartless. vengeful vehicle of mass bullying and there are those who have even died from the abuse of it.

“Why are young adults so self-centered and always seeking instant gratification?  Because older adults, often positions of power, paint them that way.” – Raymond Arroyo

Instant gratification?  During my years of childhood folks would actually save up and pay cash.  What a novel idea.  My oh my!  Wonder what would  happen to credit card companies today if John Q Public started doing that?   Sad thing is that we stand back and let credit card companies set them up for failure when they are young adults just starting college.  Then our government does nothing to reign these companies in and keep them from preying on them.  They borrow money at 2 to 3 percent then when they get behind they charge late fees and jack the interest rate up to 26 percent.  Where is the humanity in taking advantage of these folks to increase their profits?

I don’t know that we have improved as individuals.  It seems every year that compassion and humanity is pushed to the back burner replaced by greed and personal gratification.  Our own government seems to lack in humanity.  They are fueled by greed which leads to corruption.  At this very moment they are playing with individual’s lives through health care.  Every time they pass one they exempt themselves from it.  They play favorites to their campaign supporters at the expense of the people they are supposed to represent.  They always manage to place the bulk of financial burden for their programs on the backs of the middle class.  They have robbed social security and they didn’t put a dime into it.  At this very moment their are families in my area who are trying to recover from floods 15 months apart.  After they gave the go ahead to build levees that has made the flooding worse their only answer to the problem is a buy out of property.  How do you buyout places like Valley Mount Ranch and Krause Farms that have been in the family since the 30s?  They don’t deserve this.  How about some real humanitarian efforts to help these families out?

Sorry for the rant but it seems that humanity is the thing of the past and has been replaced by greed.  Thanks for reading my blog.  I know it was a little long and I apologize.  Be kind to one another, share the love and don’t squat with your spurs on.