The Wealthy are Evil and Must be Punished

Suppose that every day, ten men go out for lunch and the bill for all ten comes to $100. If they paid their bill the way we pay our taxes, it would go something like this:

The first four men (the poorest) would pay nothing.
The fifth would pay $1
The sixth would pay $3.
The seventh would pay $7.
The eighth would pay $12.
The ninth would pay $18.
The tenth man (the richest) would pay $59.

The ten men eat in the café every day and seem quite happy with the arrangement, until one day, the owner threw them a curve. “Since you are all such good customers, he said, “I’m going to reduce the cost of your daily lunch by $20. Lunch for the ten now cost just $80.
The group still wanted to pay their bill the way we pay our taxes so the first four men were unaffected. They would still eat free. However, what about the other six men - the paying customers? How could they divide the $20 windfall so that everyone would get his “fair share?” They realized that $20 divided by six is $3.33. However, if they subtracted that from everybody’s share, then the fifth man and the sixth man would each end up being paid to eat his lunch. So, the bar owner suggested that it would be fair to reduce each man’s bill by roughly the same bracket of earnings, and he proceeded to work out the amounts each should pay.

And so:

The fifth man, like the first four, now paid nothing (100% savings).
The sixth now paid $2 instead of $3 (33%savings).
The seventh now paid $5 instead of $7 (28%savings).
The eighth now paid $9 instead of $12 (25% savings).
The ninth now paid $14 instead of $18 (22% saving s).
The tenth now paid $49 instead of $59 (16% savings).

Each of the six was better off than before And the first four continued to eat free. However, once outside the restaurant, the men began to compare their savings.

“I only got a dollar out of the $20”, declared the sixth man. He pointed to the tenth man,” but he got $10!”
“Yeah, that’s right”, exclaimed the fifth man. “I only saved a dollar, too. It’s unfair that he got ten times more than I!”

“That’s true!” shouted the seventh man. “Why should he get $10 back when I got only two? The wealthy get all the breaks!”

“Wait a minute,” yelled the first four men in unison. “We didn’t get anything at all. The system exploits the poor!”

The nine men surrounded the tenth and beat him up.

The next day the tenth man didn’t show up for lunch, so the nine sat down and had lunch without him. However, when it came time to pay the bill, they discovered something important. They didn’t have enough money between all of them for even half of the bill!

And that, boys and girls, journalists and college professors, is how our tax system works. The people who pay the highest taxes get the most benefit from a tax reduction. Tax them too much, attack them for being wealthy, and they just may not show up anymore. In fact, they might start eating overseas where the atmosphere is somewhat friendlier.

David R. Kamerschen, Ph.D.
Professor of Economics, University of Georgia

Life is Great Right Now!

Life is going pretty great for us right now.  I feel like we are both working like crazy people, but it will all the worth it when we pay off my Student Loan. It has gotten to the point where the loan is just making my angry. I just want it to be gone tommorrow.  Patience is a virtue, right?  I bet Sallie Mae thinks we are crazy. I looked at our statement and since January 1st, 2010, we have sent a total of 9 payments to Sallie Mae in various amounts.  If everything goes as planned, the loan should be paid off my April.  We will have Steve's though. :o(
Work at the YWCA is pretty busy right now.  I was actually awarded Employee of the Month for March.  I feel so proud. I have never gotten Employee of the Month before.
We are still looking for little ways to make extra money and cut our expenses.  We are bringing our lunches to work, instead of eating out, and have significantly cut down the amount that we eat at resturants.  Our car insurance bill came the other day and they still had us worked as "single", so I called them and had a little conversation with them.  They changed it to married and are refunding us for the over-payment of premiums for the last almost 3 years and lowered our monthly payment by $70 a month.  Woohoo!

15 Fresh Brown Bag Lunch Ideas

15 Fresh Brown Bag Lunch Ideas

• Pasta Lover's Lunch Salad.
  Pack a cold pasta salad and a plastic fork, and your pasta lover will love you, too! Make your salad with lean meat or low-fat cheese (so it has some protein), lots of vegetables to boost fiber and nutrition, and use a whole-grain blend pasta, like Barilla Plus. Then just drizzle some light vinaigrette over the top and toss.
• Pita Pocket Sandwich.
  Pack your whole-grain pita pocket with chicken Caesar salad, or any other lean meat or cheese filler mixed with vegetables and dark green lettuce.
• The Fruit and Cheese Plate Special.
  Make crispy cracker sandwiches with whole-wheat crackers, slices of assorted cheese, and lean meats. Don't forget the fruit, which goes nicely with the cheese and adds fiber and nutrition.
• Peanut Butter Fun Pack.
  Pack 1/8 cup of natural-style peanut butter, along with a plastic knife or spoon, wheat crackers, and celery sticks, and you have a peanut butter fun pack!
• Bagel With Cream Cheese, Please.
  Bagels are a wonderful foundation for hardy sandwiches that stand up to being in a backpack or locker all morning. You can toast a bagel in the morning and simply spread some light cream cheese in the middle. Or make a bagel sandwich with, say, a little light cream cheese, some turkey, and cranberry sauce, then top it off with alfalfa sprouts or Romaine lettuce.
• Carry a Cobb Salad.
  Plastic containers can hold the makings of a delicious salad lunch. Fill it with chopped green lettuce, chopped hard-boiled egg, light cheese, and/or lean ham. You can buy packets of light dressing, or just use extra packets of light salad dressing left over from your last trip to the fast-food chain.
• It's a Wrap!
  Wraps are a nice change of pace from the usual sandwich. Use one of the new higher-fiber tortillas, like the multigrain flour tortillas available in most supermarkets. Then fill 'er up with chicken Caesar salad or assorted lean meats, cheese, tomato, sliced onion, shredded Romaine lettuce, and light dressing. Just roll it up and wrap in foil.
• Noodle Soup Cups.
  Many schools offer a hot water dispenser so kids can add hot water to packaged noodle soup cups. Some brands are higher in sodium and fat, and lower in fiber than others. Check out the options in stores like Whole Foods or Trader Joe's.
• Veggie Sushi.
  Not all kids will go for this one, but there are some out there who really like seaweed-wrapped sushi rolls. You can now buy pre-made sushi at many supermarkets, too. Choosing the veggie-filled sushi means there's no chance the sushi will get a little "fishy" while it's in your kid's backpack.
• Toss Some Taco Salad.
  If taco salad is a favorite, you can pack the meat mixture tossed with the shredded cheese, tomatoes, and chopped Romaine lettuce in a plastic container. At lunchtime, your child can add crunchy, reduced-fat tortilla chips and a little light dressing.
• Fried Rice Can Be Fun.
  When made with eggs or chopped lean ham and lots of veggies, cold fried rice can be a satisfying noontime treat. Make your own, or plan on leftovers the night before if you're ordering from a restaurant.
• Talk About Taquitos.
  I started doing this last year, and it seems to have stuck with my girls. I pop some Bean and Cheese frozen Taquitos from Whole Foods into my toaster oven in the morning, then let them cool. Then, I wrap them in foil and make sure they stay cool by packing a frozen juice box or small water bottle. By noon, they are cold, fun finger food.
• BBQ Chicken Sandwich.
  Your child can assemble a yummy BBQ grilled chicken sandwich fresh at lunchtime. Just pack a grilled, boneless, skinless chicken breast (you can make it in your indoor grill the night before) with some lettuce and sliced tomato in one baggie, and a whole-wheat bun in another. Add a packet of BBQ sauce to the lunch bag, and it's good to go.
• Meal Muffins.
  Certain types of muffins work as a lunch entrée. If you bake them over the weekend and keep them in the freezer, you just have to pull one or two out in the morning. By lunch, they are nicely chilled and ready to eat. Try ham and cheese muffins, Mexican Cornbread muffins, or quiche muffins (quiche filling, baked with or without crust in a muffin pan).
• Turkey Jerky.
  You can round off a lunch packed with fruit, vegetables, and maybe trail mix or crackers by adding some high-protein turkey jerky. I found a turkey at Trader Joe's that is made without nitrites, MSG, or artificial ingredients, and the turkey is raised without added hormones. Can't argue with that. A 2-ounce serving of turkey jerky contains: 120 calories, 22 grams of protein, 12 grams of carbohydrate, 540 milligrams of sodium, and 20 milligrams of cholesterol.