Weekend Fun: Date Night, Stripping Wallpaper, Ohio State

Steve and I decided to go on a long overdue date night on Friday. I can't even remember the last movie we saw in the theater. We received a gift card to Olive Garden for a gift, so we decided to go there. We also has a coupon for Olive Garden, so that kinda sealed the decision. We both had the Never Ending Pasta Bowls. They were very tasty. I love that resturant, but we don't get to go out very often. After dinner, we went to the Dollar Theater and saw the movie UP. That movie was so cute. It actually started out really sad. The whole movie is about the man's desire to keep a promise he made to his wife. A little Wilderness Scout goes with him along for the journey. I won't spoil the ending for you, in case you haven't seen it, but it's so worth going to see. Very fun! I give it 2 Thumbs WAY UP! haha. No pun intended, of course.

On Saturday, Steve had to go into work and clean the carpets. When he got home, we finished stripping the wallpaper in the "Ohio State Room." The wallpaper has completely removed from the wall. Now we just have to prime and paint the walls. I can't wait to be done with the room. Hopefully, we get it done before the season is over. I think Steve wants to be able to watch a game while sitting in the "Ohio State Room."
While we were we working on the room, we were listening the Michigan/Notre Dame game on the radio. Michigan won in the last few minutes. We were both very happy.

The Ohio State game ended, unfortunetly, just about the same way. Last year, USC killed Ohio State so it was nice to Ohio State ahead for a good part of the game. Both teams fought very hard, but unfortunetly OSU lost in the last few minutes when USC got a touchdown and managed to win by 3 points. I was hoping OSU would be able to get back within field goal range and tie it up...but they didn't. :o(

Book 7: Rich Dad, Poor Dad

I just finished reading Rich Dad, Poor Dad by Robert Kiyosaki. I must say that I was a bit disapointed in it. It came highly recommended. For the most part, I liked the book. He compared his real dad, who he called Poor Dad, to his friend's dad, who he called Rich Dad. His Poor Dad was highly educated and had a government job and his Rich Dad was uneducated and was self-Employed.

My main dislike of the book is that he seemed to discount the value of education. To me, it seemed like he didn't see the value of education and he thought the only way to be successful was the own your own business. His plan seemed like a get-rich-quick plan, but hardly works for most people. According to the other books I have read this year, I have learned that financial success takes time, effort, and a "crock pot" mentality. Wealth building takes time.

He tells the story about how he made all his money in Real Estate. Real Estate is a really great investment, but it does come with risks. He said he took a $500 weekend seminar and learned how to flip Spec Houses. It's a good idea but it doesn't always work and to suggest that it does, is wrong. Houses don't always go up in value. Sometimes markets bubbles burst and if you have a bunch of debt piled in Spec houses, you will get foreclosed on (ie. Our House). The man who owned our house watched the weekend seminar, drank the kool-aid, and bought a bunch of rentals and now my dad's bank owns most of them. If you want to invest in Real Estate pay cash for it.

"Studies show that 100% of the foreclosures happen on homes with a Mortgage." - Dave Ramsey

He did have some good points where he says too many people let their money control their lives. That they go through life working for money and never really making it, instead of letting their money work for them.

"Many great financial problems are caused by going along with the crowd and trying to keep up with the Jones." (If you remember the information from The Millionaire Next Door most of the "Jones" are broke.)

Roberts doesn't like to pay taxes...and I don't think I know anyone that does. He made some interesting observations about them though. At one time, Americans were anti-taxes. It wasnt until 1913 that an Income tax became permanent in America. Before that the only taxes collected were temporary to pay for wars.

"It is the idea of Robin Hood, or taking from the rich to give to the poor that has caused the most pain for the poor and the middle class. The reason the middle class is so heavily taxes is because of the Robin Hood ideal. The real reality is that the rich are not taxed. It's the middle class who pays for the poor, especially the educated upper-income middle class...The idea of taxes was made popular, and accepted by the majority, by telling the poor and the middle class that taxes were created only to punish the rich...Although it was intended to punish the rich, in reality it would up punishing the very people who voted for it, the poor and middle class."

Book 6: The Millionaire Next Door

I loved this book. I love statistics and numbers and this book is just full of them.
The Millionaire Next Door was written by Thomas Stanley and William Danko in 1996. They began studying how people became wealthy. They started by surveying upscale neighborhoods and soon realized something odd. Many people who live in expensive houses do not actually have much wealth. Then they discovered many people that do have a great deal of wealth did not live in the upscale neighborhoods. When most people try to picture people of great wealth, they often picture expensive large house, new luxury vehicles, large flashy jewelry, and such. What they discovered in their 20 year long survey is people with great wealth most often do not fit that picture. Also, they discovered that most of the people that were wealthy did not inherit wealth or have flashy high degrees. Wealth is rarely gained through Lottery, in sports, or from a TV show. Wealth was more often the result of hard work, perseverance, planning, and self-discipline.

Usually the wealthy person is a business owner who has lived in the same town his whole life. He is married once and remained married. There kids are educated. He lives in upper middle class or middle class neighborhood next to people with a fraction of his wealth. Most of the time the neighbors have no idea their neighbors are wealthy.

• 80% of American Millionaires are first generation rich.
• About half the wives do not work. Of the wives that work, the number 1 occupation is teacher.
• 97% are homeowners living in houses with the average value of $320,000.
• They wear inexpensive suits and American made cars. Only a minority drive the current-model-year car. Only a minority ever lease a vehicle.
• As a group, they believe education is very important.
• About 2/3 work between 45-55 hours per week.

During the investigation, they discovered seven things that were common among those successful millionaires.

1. They live below their means.
2. They allocate their time, energy, and money efficiently, in ways conductive to building wealth.
3. They believe that financial independence in more important than displaying high social status.
4. Their parents did not provide them with economic outpatient care.
   
   

   They are generally frugal when it comes to their own consumption, but not nearly as frugal when it comes to gifts for their children and grandchildren. Children of the wealthy are not guaranteed to be as success as their parents. They often conclude that children could not maintain a middle class lifestyle without help from them. Giving those gifts often creates more spending, not saving because the recipients start to depend on it and budget their lifestyle accordingly. Not all economic help is harmful, but it must be done after the children are already responsible and do not NEED the money. It is only then that they will use the money to prosper.

   According to the survey, Millionaire parents all too often weaken the weak. All too often parents are more willing to give large sums to money to their underachieving children. For example, lets suppose a couple has two children. One is a college graduate; very successful with handling money, with a full time job and the other child is a High school graduate, living at home, with no income. The parents desire to give a gift of 20,000 to their children. Do they divide is down the middle and give both 10,000? No. According to the survey, most parents in this situation would give the underachiever 15,000 because they feel this child needs the money more and give the successful child only 5,000. These well-meaning parents feel like they are helping the underachieving child, but in reality, according to the survey, the actually cripple the child further by making them more reliant on outside assistance. This can also cause conflict and jealousy because the high achievers will start to resent the gifts.

5. Their adult children are economically self-sufficient.
6. They are proficient in targeting market opportunities.
7. They chose the right occupation.

Being frugal is corner stone to wealth building. Often when you see people spending big money on television (like celebrities and sports players), those people may have a large income but most have little investments and little wealth. They spend all they have. They may technically me Millionaires but when compared to other people in their income range, they are actually very poor.

Rules for Affluent Parents and Productive Children
The affluent who have successful adult children gave them these guidelines on how they raised their children.
1. Never tell your children that parent’s are wealthy.

Children that grow up in wealthy families that have high consumption tend to want to maintain that level of spending even after the move out. All too often though they do not have the income to support their lifestyle, so they have to rely on parent’s assistance and credit.

2. No matter how wealthy you are, teach your children discipline and frugality.
3. Assure that your children won’t realize you’re affluent until after they have established a mature, disciplined, and adult lifestyles and profession.
4. Minimize discussions of the items that each child and grandchild will inherit or receive as gifts.
a. Because you may forget what you said…and they probably will not.
5. Never give cash or other significant gifts to your adult children as a part of a negotiation strategy.
6. Stay out of your adult children’s family matters
7. Don’t try to compete with your children
8. Always remember that you children are individuals.
9. Emphasize achievements no matter how small.

Teach children to achieve not just consume. Earning money just so you can spend
it should not be your ultimate goal. People are not impressed by what you own,
but by what you’ve accomplished.

10. Tell your children that there are a lot things more valuable them money.

Raising Awareness Through Competition: South Bend Tribune

Raising awareness through competition

YWCA's 25th annual Run, Jane, Run stays strong despite economy.
To register, visit http://www.ywcasjc.org/ or call (574) 233-9491.
By KIRBY SPROULS
Tribune Staff Writer

SOUTH BEND — What was supposed to be a brief stop before lunch turned into a 25-year commitment for Sally Derengoski.

“I kind of fell into this by accident,” said Derengoski of her leadership role in Run, Jane, Run, the annual YWCA of St. Joseph County athletic competition for women.

The 25th event returns this weekend, with the run/walk Saturday at St. Patrick's County Park, the bicycling Sunday at Bendix Woods County Park and the golf tournament Monday at Morris Park Country Club. Over the years, Run, Jane, Run has raised almost $750,000 for the YWCA's domestic violence program, more than Derengoski could have imagined back in 1984.

That's when Derengoski, director of recreational sports at the University of Notre Dame, accepted a lunch invitation from then ND assistant athletic director Sharon Petro.

“She said we had to make one quick stop first,” Derengoski said.

That stop was the YWCA, where Derengoski found herself in a planning meeting for the first Run, Jane, Run with such folks as the late Dora Reynolds, then the executive director of the YWCA; Mikki Dobski, currently an assistant to South Bend Mayor Stephen Luecke; and Marzy Bauer, a South Bend resident active with charities.

Derengoski remembers the original purpose of Run, Jane, Run was twofold.

“First, we wanted to create an avenue in which women could participate in their own sporting events — where they wouldn't be first in the women's division. They would just be first.

“The second purpose was to raise funds for the YWCA.”

Over the years, she said, a third purpose evolved: To create awareness for the issues affecting women and children, and for the role played by the YWCA.
YWCA Executive Director Linda Baechle, in a news release, said Run, Jane, Run has “stayed true to that mission.”

She said the thousands of women who have participated have raised “critical funds to help women and children escape violent relationships and homes.”

Run, Jane, Run started big. The first year, women could participate in 10 events, ranging from tennis to equestrian. Later, it became a golf-only event until recent years when running then biking were added. Derengoski has remained the chair of the golf tourney throughout.

“One reason I've stayed with it is because I believe in the service that the YWCA offers our community. The second is purely selfish — it's nice to have our own women's golf tourney.”

She calls the golf outing “unofficially the largest women's charity golf tourney in the state.”

The tourney typically draws from 150 to 200 golfers. After playing at Juday Creek Golf Course the past dozen or so years, the event moves to Morris Park Country Club this year.

She said numbers remain strong despite the economy.

“I just want to thank this community for its support — the people and businesses have really stepped up,” Derengoski said.
________________________________________
Staff writer Kirby Sprouls: ksprouls@sbtinfo.com (574) 235-6233

Pella Windows

Steve and I finally had out meeting with Dave the Pella guy last night. Our windows are officially ordered. I'm excited to finally be getting this project done, but I'm also a bit nervous because they are not going to be cheap. We shopped around to several different companies, so we are pretty sure we are getting the best deal. Dave the Pella guy is also a Christian and a Financial Peace grad, so he didn't even pressure us to use credit. The other companies we had out to give us quotes all looked at us funny when they asked if we wanted to sign for payments and we said, "No, we will be paying in cash." It was actually kind of fun to see the blank stare from them. :0)
Dave the Pella guy hooked us up with some good windows and he made sure they would qualify for the tax-credit. He was very knowledgeable too. He answered all out questions and explained exactly what was going on.

Pella is going to install the big window in the front and Steve is going to install the rest himself, with the help of some good buddies. I am very happy with our choice to go with Pella and I can't wait to have our new windows in.

2009 Philadephia Vacation Pictures

Philadephia Vacation 2009

Click on the picture to view more pictures

Currently Reading: Rhinoceros Success by Scott Alexander

While on vacation, I had some time to relax and read. I finished number 5 of my goal of 12 non-fiction books in a year. I know I need to start reading a little faster. Dave Ramsey requires all of his employees to read four different books; The Total Money Makeover, Who Moved my Cheese by Spencer Johnson, Rhinoceros Success by Scott Alexander, and QBQ - The Question Behind the Question by John G. Miller. I also started my next book on the way home, The Millionaire Next Door by Thomas Stanley. I will blog about it when I finish it.

I already read the first two that Dave requires and when I was looking through Steve’s cousin Meredith books in the room we were staying in, she had Rhinoceros Success. So I grabbed the book off the shelf and started reading it. It was really good reading material to bring with me on the hour and half train ride to New York City. I hadn't planned to read those 4 books first but I guess it's sorted happened that way so far. The only one I have left it QBQ, which i own but haven't read yet.


Rhinoceros Success by Scott Alexander
In this world, there are cows and then there are rhinos. The cows graze in the pasture with the other cows, unwilling to take a chance at success, thinking that success only comes to those who are lucky, or that they just aren't cut out to be successful. Many live out their lives in fear, thinking they can never accomplish anything, so they never try.

The rhinos, on the other hand, take charge. Focused and unafraid, thick-skinned and unstoppable, they take massive action toward accomplishing their dreams and goals. They understand that success is there for the taking, if only one brings to bear the right training, mindset and work ethic.

It was a really short fun book, about 200 pages. The basic premise of the book was to be a “go-getter.” Don’t just let life happen to you, but happen to it. I know I have trouble with that sometimes. I know I have skills, but sometimes I am afraid to step out of my comfort zone because I am too afraid that I will fail. Fear of failure is probably one of my biggest weaknesses.

2009 Philadephia Vacation

We have returned home from our vacation. Steve, Damian, and I left for Philadephia on Wednesday last week. We drove the 12 hour drive because it was alot cheaper to drive than to fly. I love road trips too. I actually slept most of the way down there. It was a little cramped in the car because we didnt get the car we wanted. Steve reserved a Luxury car at Enterprise but when he went to pick it up they didnt have any in stock. Needless to say, Steve was not very happy. They ended up giving us a Full Size Chevy Impala at 50% off. We wanted to leave around 8:30 or 9, but we didnt end of leaving until around noon because of all the car issues. We got to Philadephia around 1am. We stayed with Steve's cousin, Meredith, who lives with her husband in Springfield that is just outside Philadephia.

We basically hopped on 80/90 and took 80 all the way to PA. Pennsylvania must really like road construction because there was more road construction on 80 in PA than non-road construction. It was nuts.
I had a lot of firsts on this vacation...first train ride, first city-bus ride, first major league baseball game, not to mention the first trip to PA, NYC, and Delaware. It was a very relaxing vacation.

Thursday: On Thursday, we spent to day in Philadephia. We hoped on the Septa, which is the train that takes the people in the suburbs into the city. We visited all the historic sites, such as the Liberty Bell, Independence Hall, and the Constitution Hall. We went to the African African Museum which is right across the street from the Federal Reserve, where Meredith works. We walked everywhere. It was hot out, but still felt really good. After work, she met us and we took a city bus to the Museum of Art. Apparently that is where Rocky ran up the stairs in the movies, so naturally Steve and Damian had to dramatically run up the stairs. Other than raining a little bit while we were at the Museum of Art the weather was warm but perfect. The rain cooled things and actually felt really good.

Friday: On Friday, We drove to Delaware since we were so close. We stopped in Wilmington and did some site seeing there. There wasn't much there but there was a cool River Walk. At the resturant we stopped for lunch, the host told us that we should visit Newark, pronounced NEW ARK, not NEWERK, like New Jersey :o). Apparently that is where the University of Delaware is. We searched for the University of Delaware Book Store so Damian could a T-Shirt and then headed back to Philly, so we could meet Steve's cousin-in-law, Mike to drive to the Philly game. On the way home from Delaware to PA, we entered Maryland for about a mile, so we could add that state to our list too, unfortunetly it does count because I didnt get a spoon from there, so we will have to go back. Meredith met us there via train. We also met Damian's friend, Erin, that lives in Philadephia for the game. It was a Phillies against the Cardinals. At the very beginning of the game, we had a rain delay. It poured for awhile then stopped and it was cool the rest of the game. The Cardinals won 8 to 1.

Saturday: On Saturday, we drove to Trenton, New Jersey and met with Erin, Damian's friend that met us at the game. Steve, Damian, Erin, and I then caught a train in Trenton and took it to New York City. It was an hour and a half train ride. I had never been on a train before except for the little Septa train, so I was nervous at first. Steve assurred me that everything would be A-Ok though. It wasn't so bad and actually kind of fun. New York City was awesome. I dont know if I could live there because there is just so much noise and so many people, so visiting was fun. The atmosphere and the lights were exciting. There were street venders everywhere trying to sell up stuff. The visited Time Square and saw the New Years Ball that drops every year. We walked everywhere around NYC city. In the middle iof Times Square there was a toy store with a Ferris Wheel inside. We got quite a bit of exercise on this trip. We did take another train to Ground Zero because it was too far to walk. There was so much construction around there that it was hard to see anything. It was still interesting to see though. From Ground Zero, we walked to the Stanton Island Ferry and road that past the Statue of Liberty. That was gorgeous and very relaxing. We drove right past the Statue of Liberty and I got some cool pictures of it. We also drove right past Ellis Island. It was a pretty full day. I was pretty tired and a bit dehyrated by the end of the day.

Sunday: On Sunday, We did a "College Tour." Damian really likes to collect T-Shirts from College Universities, so we went to a tour of all the colleges in and around Philadephia with Steve's cousins. Before the "College Tour", we met Erin again and Steve's cousins brought us Jim's for a Philly Cheese Steak Sandwich. She said that's where to the people who live there go for a good Cheese Steak. OHHHH!!! It was really good. We went to Temple, Drexel, University of Pennsylvania, and St. Joseph University and Vilanova. Vilanova's campus was absolutely beautiful. The stone buildings and architechure was very nice. On the Univerisity of Pennsylvania was the only school that had their bookstore open, so we just walked around and took pictures at the other school.

Monday: Monday was our last day. We got up really early at hit the road, back through the construction. We stopped by Penn State on the way home. That campus was really beautiful. On the way home, we also stopped in Toledo, OH to see Steve's Grandma. We finally got home at about 11pm on Monday night. I went straight to sleep because we had to work Tuesday morning. Overall, it was a very great vacation.

MHS 10 Year Reunion: Class of '99

I can't believe it's actually been 10 years since I graduated from High School. Wow...it's been a crazy bunch of years. Some friends have changed and some never will. I have moved several times all over Mishawaka and South Bend since graduation. I hope I have changed for the better in the last 10 years.
Our Reunion was this weekend and it was a blast. I will admit I was a little nervous at first. I'm not sure why but I guess it's just because at MHS their was somewhat of a "class system." It was really interesting to see at the reunion all the different groups all hanging out together. I guess after high school the "class" you were in high school doesn't really matter. I hope my friends that are in High School currently read sentence a few times!!!
The reunion was at the Eberhart Grill in Mishawaka, right along the river. The view of the river from the deck of the location was gorgeous. I don't think the team could have picked a better place to have the reunion. I don't think the weather could have been better either. It was a bit cold in the morning, so we a bit worried but it turned out to be a beautiful night.
The food at reunion was simple but good. I really enjoyed having a chance to relax and catch up with friends.

Thank you so much to Jason, Stephani, Sam, and Jessica for planning the great event.

I Want to Scream...

...I'M DEBT FREE. I'm listening to the Dave Ramsey Radio show right now. Fridays is Debt Free Friday. It is when people call in and tell their stories and SCREAM over the radio. I love listening to the stories because they are inspiring and they make me so excited and pumped. They also make me so mad at my debt. I'm so ready to be done with. We are working really hard and we are making good progress. It just feels like it's taking so long.

All we have left in Baby Step 2 is our Student Loans. Things were moving really well while we had our second job, but we don't those jobs anymore so things are going to be moving more slowly. I know we can get other jobs, but the job market is so tight right now. The YWCA did move me back up to 40 hours, from only 36, so that is going to help us. Steve and I now both have the opportunity to work overtime, but it is generally encouraged that we don't.
After the summer is over, we will probably start looking again for other part time jobs. So many people right now are laid off looking for their only full or part time job, so part of me feels bad if I go in and take a job from someone who needs it more than I do.

Anyone else going through this process have encouragement for us as we go on the journey?

Therefore encourage one another and build eachother up, just as you are doing.
1 Thessalonions 5:11 NIV

Bowling Fun

Steve and I went bowling last night with Damian and my sister, Erin. It's probably been at least a year since any of had been bowling, so it was great fun. None of us did very well. I did finally break 100 in the 3rd game. Steve started to get tired during the third game. Damian got three strikes in a row during the third game! It was exciting.

We should really do this more often. It didn't break the budget either. Chippewa has a special deal on Wednesday nights where shoes are only $1.30 each, and games are $1.30 per game per person. I'm actually not as sore today as I thought I would be.

3 Day Weekend Fun

:-)Tommorrow is a paid Holiday for Steve and I.
Her parents and brother will be visiting our house tommorrow. That means I will be cleaning like crazy tonight. Look at that precious sleeping face. Don't you just want to kiss her little cheeks? Hopefully, Steve will have our new sink and dishwasher set up tonight.
Love always, Bridget

This message was sent using the Picture and Video Messaging service from Verizon Wireless!

To learn how you can snap pictures and capture videos with your wireless phone visit www.verizonwireless.com/picture.

Note: To play video messages sent to email, QuickTime� 6.5 or higher is required.

YWCA of St. Joseph County Wish List

The YWCA serves women and children that are victim's of Domestic Violence, Chemically Dependant, and living in our Transitional and Permanent Housing programs. Most of our clients are young single moms that enter the shelter with nothing but their kids and the clothes on their backs.

Current YWCA Wish List

Due to Indiana Health Laws, we cannot accept used Stuffed Animals

Food Related: Canned & Boxed Foods of all kinds, Non-Perishable items, Food Storage Containers, metal teaspoons, plastic forks/knives, Plastic bowls/cups, Juice, Cereal

Personal Care Products: Deodarant, Conditioner, Lotions, Shower gels, Hand Sanitizer, Combs, Toothbrushes (adult and children), Toothpaste (small and large), Disposal razors, Kleenex, Feminine Care products, Paper Towels, Toilet Paper

Infant Care: Baby bottles, Disposable Diapers (all sizes), Baby Wipes, Baby Shampoo, Baby Lotion, Baby Powder, Baby Food and formula, Sippy Cups, Baby monitors, Strollers, Toddler and Preschool Car Seats

Over the Counter Medicines and First-Aid: Aspirin, Tylenol, Midol, Advil, Tums, Pepto-Bismol, Non-Alcohol Cold medicines, First Aid tape

Household Items: Shower curtains, Wash Cloths, Towels, Crib sheets, Twin-Sized Blankets and Sheets, Bed Pillows, Elevated toilet seats, Space Bags for storage, Laundry Detergent, Small Alarm Clocks, Microwave Ovens, Small Kitchen Appliances.

Clothing: Plus Sized Women, Baby Clothes

Miscellaneous Items: Pre-paid Phone Cards, Bus Passes, Wheel Chairs, Office Supplies, Blank Journals, Reading Glasses, Luggage, Heavy Duty Snow Blower, Leaf Blower, Drill Dress, Gas Fryer, Heat Lamp for Kitchen, Commericial Washers and Dryers

Almost anything you use in your household is needed at the YWCA.

Items can be delivered to the front desk between 8-5 Monday through Thursday and 8-2 on Friday.

YWCA of St. Joe County

1102 S. Fellows
South Bend, IN 46601
Phone Number: 574-233-9491

Crisis Line: 574-232-9558

Domestic violence cases up during recession

Posted: 6:19 PM Jun 17, 2009
Last Updated: 6:33 PM Jun 17, 2009
Reporter: Stephanie Stang
Email Address: stephanie.stang@wndu.com

It's a sad by-product of the slumping economy.

Domestic violence is on the rise across the nation and in Michiana.

In St. Joseph County, the number of domestic violence cases spiked last year when the recession hit.

The St. Joseph County Special Victims Unit recorded roughly one hundred more domestic violence battery cases in 2008 compared to 2009 from January to May.

At the YWCA in South Bend they are slightly over capacity right now but won't turn away women and children in need.

Experts say although the economy doesn't create violence it can be a trigger during an existing cycle.

“For men that are prone to batter, it’s a convenient excuse… that they would have never beaten her up, but for the fact that they lost their job,” explains Y.W.C.A. Executive Director Linda Baechle.

Experts also say victims may have fewer resources to leave an abusive situation when there's a slow down in the economy. They may not have a job or the money to find another place to live.

Recently the Family Justice Center of St. Joseph County started weekly informational sessions during the noon lunch hour. Anyone can stop by and ask questions about the center and domestic violence.

The meetings are every Monday from noon to one. The center is at 711 Colfax Avenue in South Bend.

For more information call (574) 234-6900.

YWCA 25th Annual Run Jane Run

JOIN US FOR THIS EVENT

If you and your company wants to sponsor the event, go to http://ywcasjc.org/.

Dave Ramsey: Town Hall For Hope

The Town Hall for Hope has finally been uploaded to Hulu.com. I went and saw it "live" via simulcast with my friend, Stacey. It was pretty inspiring. It is about 90 minutes long, but totally worth the time. Watch it over and over again with friends. Dave is hilarious, yet insightful.





There is hope out there.

Redistribution of Wealth

Source
An economics professor at Texas Tech said he had never failed a single student before but had, once, failed an entire class. The class had insisted that socialism worked and that no one would be poor and no one would be rich… a great equalizer. The professor then said ok, we will have an experiment then on whether socialism makes for good economic policy.

All grades would be averaged and everyone would receive the same grade so no one would fail and no one would receive an A. After the first test the grades were averaged and everyone got a B. The students who studied hard were upset and the students who studied little were happy. But, as the second test rolled around, the students who studied little had studied even less and the ones who studied hard decided they wanted a free ride too; so they studied little. The second test average was a D! No one was happy. When the 3rd test rolled around the average was an F.

The scores never increased as bickering, blame, name calling all resulted in hard feelings and no one would study for the benefit of anyone else. All failed, to their great surprise, and the professor told them that socialism would also ultimately fail because when the reward is great, the effort to succeed is great; but when government takes all the reward away; no one will try or want to succeed.

Could it be any simpler than that?

How Can Individuals Break the Cycle of Povery?

Anne Murray:Little Good News

Anne Murray:Little Good News

I rolled out this morning
Kids had the mornin' news show on
Bryant Gumbel was talkin' 'bout the fighting in Lebanon
Some senator was squawkin' 'bout the bad economy
It's gonna get worse you see, we need a change in policy

There's a local paper rolled up in a rubber band
One more sad story's one more than I can stand
Just once how I'd like to see the headline say
"Not much to print today, can't find nothin' bad to say", because

Nobody robbed a liquor store on the lower part of town
Nobody OD'ed, nobody burned a single buildin' down
Nobody fired a shot in anger, nobody had to die in vain
We sure could use a little good news today

I'll come home this evenin'
I'll bet that the news will be the same
Somebody takes a hostage, somebody steals a plane
How I wanna hear the anchor man talk about a county fair
And how we cleaned up the air, how everybody learned to care
Whoa, tell me

Nobody was assassinated in the whole Third World today
And in the streets of Ireland, all the children had to do was play
And everybody loves everybody in the good old USA
We sure could use a little good news today

Nobody robbed a liquor store on the lower part of town
Nobody OD'ed, nobody burned a single buildin' down
FADE
Nobody fired a shot in anger, nobody had to die in vain
We sure could use a little good news today

Something to Ponder

I brought this question to my students!

A father and his, one and only, son love each other very much. The two are nearly inseparable. One day, the son asks his father if he can join him at the bridge. The bridge is where his father works as an operator - raising a drawbridge when a boat must pass and lowering it when the train arrives.
On the one day that his son joins his father at work, a train arrives early and the bridge is up. His son tries to alert his father the train is coming, but his father cannot hear him. So, the boy rushes to the base of the bridge to throw the switch manually, enabling the drawbridge to drop and let the train safely pass. But, as he tries, he falls into the drawbridge wheel and pulley mechanism. At that moment, from the tower, his father sees his son fall and the train coming toward the bridge at full steam. He has only a moment to decide. He must do one of two things .

a. Save his son and let the train wreck with hundreds of passengers on board (who will surely die when it plunges hundreds of feet into the icy waters below).
OR
b. Save the train by pulling the lever at the tower that will lower the bridge, but will cause his son to be crushed.

1. You're the father, what would you do if those were your only two options?
My girls thought the knew the "right" answer. I had to convince them that was no "right" answer. I try to get them to think outside the christian box. The "right" answer would be to save the people on the train and let your son die because that would segway nicely into the crucifiction comparison. I brought it in a little different direction. I asked my girls to ponder what they would really do. I don't have kids yet so i can't know for sure what I would do, but I so have friends that have kids. If it was my best friend's daugher, Kariana or one of my friend Chrissy's kids I dont think i would even hesitate. I have known these kids since they were born. They aren't my children but I would risk my life for these kids. Would watching Kariana die be worth saving 100 people that i don't know...I don't think it would be.
I know if I would be willing to save someone else's child that I would definetly save my own. When God looked down at his son dieing for all of us he could have stopped it but he didn't. God had all the power in the world to stop the crucifiction but he loved us so much that he let his son die. Aren't you glad that God isn't like us. Knowing that I couldnt watch my child die makes what God did so much more special. I can't even imagine how hard it must of have been for God to watch his son die.
I had my girls read John 3:16 and think about what that really meant. "For God so loved the world, that he gave his one and only son so that who ever believed in him shall not perish but have everlasting life."

2. What if you were the son? How would you feel?
Would you understand what your father was doing or would you be thinking about self-preservation? Even Jesus asked God to change his mind about what was going to happen to him, but he was willing to do God's will. He understood why he had to die.

Psalm 23:1-6 -- The Lord is Our Comfort

Psalm 23
A psalm of David.

1 The LORD is my shepherd, I shall not be in want.

2 He makes me lie down in green pastures, he leads me beside quiet waters,

3 he restores my soul.
He guides me in paths of righteousness
for his name's sake.

4 Even though I walk
through the valley of the shadow of death,
I will fear no evil,
for you are with me;
your rod and your staff,
they comfort me.

5 You prepare a table before me
in the presence of my enemies.
You anoint my head with oil;
my cup overflows.

6 Surely goodness and love will follow me
all the days of my life,
and I will dwell in the house of the LORD
forever.

Celebrating our 2 Year Anniversary

Today we are celebrating our 2nd year of marriage. It has been a really exciting year. We paid of our credit cards, bought a house, starting working 2 jobs, paid off our cars, starting saving up money to fix the house up, spent time with friends and family...and so much more. It seemed like this year when by SO FAST.

I am so blessed though. God has been providing for us like crazy. I am so thankful for my amazing husband. I'm looking forward to the many years ahead of us. It's been an adventure, but so worth it.

Last Sunday, we went to Famous Daves for our Anniversary. We hadn't been there since they had the fire. I forgot how much I loved their food. It was so good. Tonight after work, we are going to pick up what I got him for our Anniversary. Pictures of them will come once he has it all put together.

Reverse Discrimination?

Why is always only ok to Discriminate against White people and Christians?
Imagine if it was the other way around. Imagine for a second, if they had decided not to promote anyone because only minorities passed the test. ACLU and Al Sharpton would be all over it, but since the only people that were discriminated against are white (and one Hispanic)...then it's no big deal. Right?

Everyone Loves a Good Story

Posers from Granger Community on Vimeo

These are the stories I remember hearing in High School. I love the Classic Beeson Stories.

Fun Tax Day Quotes

If you make any money, the government shoves you in the creek once a year with it in your pockets, and all that don't get wet you can keep. ~Will Rogers

When there's a single thief, it's robbery. When there are a thousand thieves, it's taxation. ~Vanya Cohen

Taxation with representation ain't so hot either. ~Gerald Barzan

Taxes, after all, are dues that we pay for the privileges of membership in an organized society. ~Franklin D. Roosevelt

The taxpayer - that's someone who works for the federal government but doesn't have to take the civil service examination. ~Ronald Reagan

America is a land of taxation that was founded to avoid taxation. ~Laurence J. Peter

I'm proud to pay taxes in the United States; the only thing is, I could be just as proud for half the money. ~Arthur Godfrey

The United States has a system of taxation by confession. ~Hugo Black

Why does a slight tax increase cost you two hundred dollars and a substantial tax cut save you thirty cents? ~Peg Bracken

Did you ever notice that when you put the words "The" and "IRS" together, it spells "THEIRS?" ~Author Unknown

I am thankful for the taxes I pay because it means that I'm employed. ~Nancie J. Carmody

YWCA Walk a Mile in Her Shoes 2009

April 4th, 2009

Walk a Mile in Her Shoe 2009 Click above to see pictures.

To all the men who bravely strapped on a pair of heels and marched around Coveleski Stadium...THANK YOU! We had a great time and we hope you did too.

A big thank you also goes out to all those who supported the walkers by pledging a donation in their name. The YWCA is touched by your support but most importantly the lives of women and children impacted by domestic violence and sexual assault will be touched by your generosity.

Click HERE if you would still like to make a donation.

Currently Reading: Bridges Out of Poverty by Phil DeVol

Hello again! I am currently on book 3 of my goal. My goal is to read one Non-Fiction book a month. Dave Ramsey says, "If you want to be skinny, study skinny people. If you want to be rich, do what lots of rich people do, not what some myth-sayer says to do." Apparently rich people read, on average, one non-fiction book a month, so I thought I would try it.

This book has a lot of things packed in it. I might have to summarize each chapter separately just to unpack all of it.

Here is a summary of what I've learned so far from the book, as well as from working with the program. (I'm only on Chapter 1.)

Bridges Out of Povery is a program that the YWCA supports that helps bring bring women out of the cycle of generational poverty. The program is for 3 hours once a week, for 13 weeks, and helps the women gain the knowledge and skills they need to succeed in a Middle Class environment. The YWCA also trains business leaders and managers in poverty, so they can better understand their employees and help them succeed.

Dr. Ruby Payne’s Bridges out of Poverty book brings to the forefront a major problem in America. When children grow up together in poverty it forms a bond that is almost unbreakable in them. Children begin to believe that there is no way out for them. They start to follow the example of their parents and continue the cycle of poverty with their children. Parents are finding themselves unable to support their families. Proper health care and high education are often seen as unachievable. The cycle of poverty will never end unless someone does something about it.

Poverty is defined in the book as the "extent to which an individual does with out resources." Generation Poverty is defined as having been in poverty for at least two generations. Situational Poverty is defined as a lack of resources due to a particular event, such as a death, illness, divorce, etc. Often the attitude in generational poverty is that society owes them a living. In situational poverty the attitude is often one of pride and a refusal to accept charity.

Dr. Ruby Payne’s book is a starting point where one can develop accurate models of poverty, middle class, and wealth. It is a new lens by which we can see and learn from each other. The more people know about poverty, the better chance there is to get people out of it.

There are hidden rules of class that are unspoken cues and habits of the group. Being physically able to fight or having someone else fight for you is important to survival for people in poverty. However, in middle class, being able to use words as tools to negotiate conflict is essential. Teaching people in poverty how to use words is one of the first steps the Bridge out of Poverty. Another difficulty in getting out of poverty is the ability to manage and save money. People in poverty tend to be thinking in the moment, so when they get money or other resources they spend them.

The idea of using money for security and wealth building is mainly seen in the middle and wealthy classes. Relationships are often more important then anything else for people in poverty. Relationships are seens as one of the resources they can't do without. If they come into extra money, they are more likely to give it to a friend in need, then buy something for themself. They see it as an insurance policy of sorts, because if they were ever in need, they would want the person to return the favor.

Being careful not to make assumptions about different classes is often difficult. Many people find themselves in the same class their parents were in so that is all they know about.

There is hope for those in poverty if everyone works together.

Currently Reading: Who Moved my Cheese by Spencer Johnson

Who Moved my Cheese by Spencer Johnson is the book I just finished. I loved it and I totally recommend it to anyone, especially going through big changes in your life right now. I don't recommend reading it when you are hungry though.

• "Cheese" is a metaphor for what you want to have in life - whether it is a good job, a loving relationship, money, a possession, health, or spiritual peace of mind.
• "The Maze" is where you look for what you want - the organization you work in, or the family or community you live in.

Four characters:

• "The Mice" - Sniff (Who sniffs out change early), Scurry (Who scurries in action)
• "The Little People" - Hem (Who denies and resists change as he fears it will lead to something worse, Haw (Who learns to adapt in time when he changing leads to something better
  
• We all have one thing in common, we must all survive in changing times. The world around us is always changing.
  
• The more important your "cheese" is to you, the more you want to hold on to it.
• Sometimes fear can be good. When you are afraid things are going to get worse if you don't do something, it can prompt you into action. But it's not good if it paralizes so much that you can't do anything.
• "Movement in any direction, helps you find more "cheese."
• Haw: "He was letting go and trusting what lay ahead for him, even though he did not know exactly what it was."
• "When you move beyond your fear, you feel free."
• Imagining myself enjoying "new cheese" even before I find it, can lead me to it.
• Think about what you can gain, instead of what you are losing.
• Realizing that you are not living in fear, but instead you are taking a new direction can lead to new strength.
• Change is natural, whether you expect it or not. Change can surprise you only if you didn't expect it and weren't looking for it.
• Haw: "He had to admit that the biggest inhibitor to change lies within himself, and that nothing gets better until you change.
• Fear should be respected because sometimes it keeps you out of danger. But most fears are irrational and keep you from making the changes you need to make.

Change Happens: They keep moving the Cheese
Anticipate Change: Get ready for the Cheese to move
Monitor Change: Smell the Cheese often so you know when it is getting old
Adapt to Change Quickly: The quicker you let go of old Cheese, the sooner you can enjoy new Cheese.
Change: Move with the Cheese
Enjoy Change: Savor the adventure and enjoy the taste of new Cheese
Be Ready to Change Quickly and Enjoy It Again and Again: They keep moving the Cheese

Which character are you?

20 Somethings and Money

Do you ever hear financial advice and think, "Oh man, I wish I would have known this when I was younger." I know I have. In this video, Dave Ramsey takes calls from 20-somethings and gives them advice on money. It's a must see video if you are in your 20's now, will be in a few years, or you wish you were 20 again. :0)

Will Savers Destroy the Economy?

According to MSN Money, People that have stopped spending money and instead are saving could destroy the economy.

Read the story here.
Join the Discussion here.

YWCA Wish List: Let's Make a Difference

The Sears on Ireland is going to be closing in May. That is where Steve and I are currently working part-time. Liquidation will start on May 15th.

I think this would be a great opportunity to make donations to non-profit organizations. It is very sad that my friends and I are going to lost our jobs. Let's turn this downturn into a positive thing.

The YWCA serves women and children that are victim's of Domestic Violence. Most of our clients are young single moms that enter the shelter with nothing but the clothes on their backs.

Current YWCA Wish List

Due to Indiana Health Laws, we cannot accept used Stuffed Animals

Food Related: Canned & Boxed Foods of all kinds, Non-Perishable items, Food Storage Containers, metal teaspoons, plastic forks/knives, Plastic bowls/cups, Juice, Cereal

Personal Care Products: Deodarant, Conditioner, Lotions, Shower gels, Hand Sanitizer, Combs, Toothbrushes (adult and children), Toothpaste (small and large), Disposal razors, Kleenex, Feminine Care products, Paper Towels, Toilet Paper

Infant Care: Baby bottles, Disposable Diapers (all sizes), Baby Wipes, Baby Shampoo, Baby Lotion, Baby Powder, Baby Food and formula, Sippy Cups, Baby monitors, Strollers, Toddler and Preschool Car Seats

Over the Counter Medicines and First-Aid: Aspirin, Tylenol, Midol, Advil, Tums, Pepto-Bismol, Non-Alcohol Cold medicines, First Aid tape

Household Items: Shower curtains, Wash Cloths, Towels, Crib sheets, Twin-Sized Blankets and Sheets, Bed Pillows, Elevated toilet seats, Space Bags for storage, Laundry Detergent, Small Alarm Clocks, Microwave Ovens, Small Kitchen Appliances.

Clothing: Plus Sized Women, Baby Clothes

Miscellaneous Items: Pre-paid Phone Cards, Bus Passes, Wheel Chairs, Office Supplies, Blank Journals, Reading Glasses, Luggage, Heavy Duty Snow Blower, Leaf Blower, Drill Dress, Gas Fryer, Heat Lamp for Kitchen, Commericial Washers and Dryers

Almost anything you use in your household is needed at the YWCA.

One Year Later: You are Missed!

Read the Blog from one Year ago here and here.

I can't believe it's been a whole year. Last year, today, I was on vacation with Steve visiting family in Texas and Tulsa. We sang worship songs together, prayed together, just loved eachother. We had no idea that day would be your last day with us.
We miss you, Ben. This last year just hasn't been the same without your friendship.

I have no doubt we will see you again someday.

I have fought the good fight. I have finished the race. I have kept the faith.
2 Timothy 4:7

Dave Ramsey 2nd Annual Plasty Awards

These are great. He encourages his listeners to send him in videos of them destroying their credit cards in fun, different ways. Then he gives out awards for the best ones.

City Not Participating in the Recession

Embedded video from CNN Video

Thrifty spending the newest style?

Source

Article published Feb 23, 2009

Thrifty spending the newest style?

Expert says consumers should save for future, spend smartly.

By KIM KILBRIDE Tribune Staff Writer

Terri Sibaja has come up with her own version of unemployment insurance: Shelves stocked with enough food to feed her family of three for the entire winter. Tucked away in a small room in the basement of her Cape Cod in Mishawaka is an unexpected storehouse of food.

Shelves spanning 15 feet across, from floor to ceiling, are packed full of canned soups and vegetables, dried beans, rice and pasta, flour, sugar and evaporated milk.

It's all about saving money, she said, taking advantage of sales and stockpiling during the warmer months when her husband, Jose, a painter, is busy.

Now, the family can eat almost exclusively from its reserve to make it through the cold-weather work slowdown and the recession. South Bend mom Tama Crisovan belongs to a cooking group that meets monthly to swap homemade frozen meals."

As the economy has tightened," she said, "rather than making six meatloaves (to exchange), we'll cook beans from scratch and bring six containers of chili."

It's hard to say how much money she's saved by the endeavor, she said."But, I don't have to have that pizza night where I spend $20," she said. "I have ready-to-go entrees in my freezer."

From scaling back on cable and Internet services to brown bagging it to work and cooking more meals at home, it seems everywhere you look these days, people are finding ways to cut corners. In some cases, folks who once were loyal donors to local Salvation Army thrift stores are now the customers.

From October of last year through January of this year, Maj. Timothy Best reported, sales at the Salvation Army's seven area thrift stores were up 12 percent to 15 percent."

Anecdotally," he said, "we're hearing people can't afford to shop elsewhere."

Goodwill of Michiana, which operates some 20 thrift stores, also reports an increase in sales since last fall.

Across the country, people are also saving more -- 3.6 percent of their income in December compared with negative numbers just months earlier -- because they're somewhat uncertain about the future and they're concerned they won't be able to draw on easy credit to finance major purchases.

Heck, even Oprah recently featured "The Thriftiest Family in America" on her show. It seems that frugality, once a term reserved for miserable misers, is now stylish. But, is what's good for families also good for the economy?A flip side to thrift?

Grant Black, an assistant professor of economics at Indiana University South Bend, explained what's known as "the paradox of thrift." There are two opposing schools of thought on whether spending or saving is best.

One view, he said, is that spending in the short run is good because it drives a lot of economic activity. More consumer spending leads to an increase in output among businesses and potential job growth.

On the other hand, Black said, savings allow financial institutions to loan money to businesses and individuals." This is important for longer-term growth," he said.

Can a healthy balance be struck between mindful spending and saving?" People need to be smart spenders," Black said. "It's not good to sustain high levels of debt."

That said, even during recessionary times, prices and interest rates can drop. Then, he said, "People can spend a little more or borrow a little more with lower prices and easier lending (terms.)"Will it last?

Will Americans who adopted newfound saving ways sustain them after the recession?"

It's unclear," Black said. "I think we're going to have to wait and see." Unlike their predecessors who lived through the Depression, he said, today's generation tends to have the view that everything will always turn out OK.

Sibaja, meanwhile, said she figured out a way to strike a balance between curtailing her family's spending on food this winter and enjoying an occasional meal out. She asked for gift cards to restaurants for the holidays.

"Some people think that's impersonal," she said, "but it didn't feel that way when we were (out at a restaurant) eating our steaks last week."

Asked about her new, in-vogue attitude about money, she laughed. "I don't feel sexy. It's just necessity that's caused me to use what we have instead of going out to shop.

"When the recession's over?

"Yes, since I'm on the 'Dave Ramsey Debt Diet,'" she said, "my miserly ways will continue."

Staff writer Kim Kilbride: kkilbride@sbtinfo.com (574) 247-7759

Inspiring 5 Year Old

Embedded video from CNN Video
If you can't see the video, go to CNN video and search for "Boy Asks for Food, not Toys."

3And he said: "I tell you the truth, unless you change and become like little children, you will never enter the kingdom of heaven.
Matthew 18:3

32"Do not be afraid, little flock, for your Father has been pleased to give you the kingdom. 33Sell your possessions and give to the poor. Provide purses for yourselves that will not wear out, a treasure in heaven that will not be exhausted, where no thief comes near and no moth destroys. 34For where your treasure is, there your heart will be also.
Luke 12:32-34

"Recession" Theme Song

I heard this song on the radio and I thought it was awesome.

Walk a Mile Support T-Shirt

This is the tentative design for the Support T-Shirt. Let me know what you think about it.

2009 Dave Ramsey Pick Up Lines

Dave Ramsey pickup lines

Thursday, Feb 14 in Funny nice stories, Dave Ramsey pickup lines Comments (42)
Written by our own Chris Russell, courtesy of My Total Money Makeover.com.\

1) I still have money in my "restaurant" envelope ... can I buy you dinner?

2) Would you like to dance? I'd love to show you my Baby Steps.

3) Why am I nervous about talking to you? Because you're better than I deserve.

4) Allow me to introduce myself ... I am "borrower", and you must be "lender".

5) Good thing I got just term life insurance ... because I saw you and my heart stopped!

6) You can't spell Financial Peace University without U and I.

7) I've already kicked Sallie Mae out. Want to take her place?

8) I just bought a bass boat with cash ... and it's a good thing, because you're quite a catch!

9) I'm not mortgage interest baby ... don't write me off.

10) The good news? I'm debt free. The better news? I'm also date free.

11) What would you say if I asked you out? (response: no). That's not good enough

Courtesy of one of Dave's listeners: On a scale of 350-850, I'm a Zero!

Obama Stimulus Package

According to Obama, "Our economy may never recovery if we don't pass THIS stimulus package, right now." I realize that some of these things are probably needed but do they need to be part of this package. How will they create jobs? Does it need to be so big? Is there a better way? I agree that we may never survive if we don't make the right decisions right now. It will probably recover, in time though. My question is...Is this plan, the right decision right now? Why is this package filled with so much pork projects that will not help the ecomony recover or create jobs? Why did Obama remove the "Buy American" part of the plan? Part of what got us out of the Great Depression was the war, because Americans got jobs creating war supplies with American materials. Now, all American manufacturing is outsourced to other countries. Other countries are now prospering when we go to war, because they are creating our materials. Anyone else see a problem?

I seem to remember Bush using the same scare tactics to get his Stimulus Package passed and the whole country was OUTRAGED because he was "scarying us and using fear tactics", but Obama use the same tactics and everything is ok. So we passed Bush's Stimulus and I haven't seen the Ecomony turn around from it yet. I guess he was wrong. But of course, Obama isn't going to be wrong too.

-Bridget

Highlights of Economic Recovery Plan

Spending

Energy

$32 billion: Funding for "smart electricity grid" to reduce waste
$20 billion +: Renewable energy tax cuts and a tax credit for research and development on energy-related work, and a multiyear extension of renewable energy production tax credit
$6 billion: Funding to weatherize modest-income homes

Science and Technology
$10 billion: Science facilities
$6 billion: High-speed Internet access for rural and underserved areas

Infrastructure
$32 billion: Transportation projects
$31 billion: Construction and repair of federal buildings and other public infrastructure
$19 billion: Water projects
$10 billion: Rail and mass transit projects

Education
$41 billion: Grants to local school districts
$79 billion: State fiscal relief to prevent cuts in state aid
$21 billion: School modernization

Health Care
$39 billion: Subsidies to health insurance for unemployed; providing coverage through Medicaid
$90 billion: Help to states with Medicaid
$20 billion: Modernization of health-information technology systems
$4 billion: Preventative care

Taxes
Individuals:

* $500 per worker, $1,000 per couple tax cut for two years, costing about $140 billion
* Greater access to the $1,000-per-child tax credit for the working poor

* Expansion of the earned-income tax credit to include families with three children
* A $2,500 college tuition tax credit
* Repeal of a requirement that a $7,500 first-time homebuyer tax credit be paid back over time

Businesses:
* An infusion of cash into money-losing companies by allowing them to claim tax credits on past profits dating back five years instead of two

* Bonus depreciation for businesses investing in new plants and equipment
* Doubling of the amount small businesses can write off for capital investments and new equipment purchases

* Allowing businesses to claim a tax credit for hiring disconnected youth and veterans
Source: Associated Press

A True Hero

Watch the Video Here

Read the stories here

This pilot showed an amazing amount of calm and saved every single one of his passengers. Wow! He even walked up and down the cockpit, while it was filling with water, just to make sure everyone got off. Then he called his library and apologized that he would not be able to return his library book because it was in the hull of the plane. The book's subject: Professional Ethics.

MSNBC Documentary: “A Father’s Promise"

‘As men, we feel we want to have pride’


Watch the Video Here
I thought this was an interesting discussion.

Save the Date! "Walk a Mile in Her Shoes"

"Walk a Mile in Her Shoes"

Saturday, April 4, 2009

Coveleski Stadium

9:00 am Check-in (receive shoes & tshirt)

10:00 am Walk Begins

Save the Date!
On April 4, 2009 join Honorary Walk Chairman Joe Kernan and the Silverhawk's mascot Swoop for "Walk a Mile in Her Shoes."

The YWCA of St. Joseph County is sponsoring the Men's March to Stop Violence Against Women.
Held in communities across the world, the march is a fun, creative way to get the community talking about solutions to violence against women.

What makes it so fun? The men are asked to wear women's shoes. Why? Because it gets the community talking about a very serious topic.

Click here to register or make a pledge

Help us stop Domestic Violence and Sexual Assualt in our communities. Join in the fun.

Mike Huckabee on Fox

Just in case you haven't been following the news, this is the story he is referring to in the video.

Pilot landed in Hudson to avoid 'catastrophic consequences'
Possible Bird Found in Engine of US Airways Jet

Watch the video of Mike Huckabees here

The best quote: He was reponding the question, "Why does God answer some prayers, but not others?"

"A finite mind can never fully comphrehend an infinite God and if God is so understandable that I can fully understand him, then He is not much of a God."
-Mike Huckabee

The above story could have turned out much different and much more tragic, but in the mist of an economic downturn and a preceived loss of hope, God decided to show His power.

Interesting Top News Story

On the eve of a Historic Presidential Inaugaration, this is these are the current Top Read Stories on:

Fox News.com: Clinically Depressed Poodle Mauls Former French President Chirac
What??? Clinically depressed Poodle??? Are you serious???

CNN.com:

This story is just sad. I have been following this story and it's just sad.

Obama Presidential Inauguration

I have to admit that the speech was a bit inspiring. He certaintly does have a way of instilling hope in people and probably why so many people blindly follow him. The speech did sound a bit like the same retoric he said in his election speeches though. It is truly a historic inauguration. I did not vote for Obama, but I wish him the best of luck. He has a big job in front of him, as would any President. With 2 wars, an economic crisis, and so much mis-trust of the government, he has alot on his plate. I pray that God gives him the wisdom to make the right decisions.

I actually watched the whole speech, but I couldn't post the whole thing.

Why Our Kids Will Never Have a Cell Phone

Link

Some kids are way to spoiled. Steve and I have decided that our kids will not get a cell phone until they have a job and can pay for it themselves. If they don't pay the bill, then they lose the cell phone.
If you feel your child NEEDS a cell phone, then why not get a plan that doesn't allow text messages and only allows calls during certain times and only allows a certain amount of minutes each month.

I remember surviving just fine as a kid without a cell phone.

Wii Fit

Steve got me a Wii Fit for Christmas. Secretly, I think he just wanted to get the Wii so he could play Mario Cart. It's been fun though. At first I was a little leary about it because it is really expensive. I didnt grow up with video games because my parents thought they were a waste of time and a waste of money. I have to admit though the Wii Fit is really fun. We have been trying to get in the habit of playing on it a little bit every night. We are doing alright so far. The Wii Fit gives you a fitness test every day and gives you a Wii Fit Age. My Age the first night was 41. That disturbed me. :0) Last night it was 29 so I feel better now.

I am so sore today though. I didnt realize that I was so out of shape. I think I will find that is a much better way to exercise. One of my biggest obstacles to going to the gym is actually driving there. Once I get home from work, make dinner, and eat, It's usually late and I dont really want to leave the house again.