I remember when I was a kid in 2nd grade, as part of our math lessons, we were taught about the importance of saving, and the benefits of compound interest. It was explained to us that banks were in the business of borrowing and lending money. When we placed money in a savings bank, it was the same as a loan, and it would earn interest. The bank would then loan it out at a higher rate of interest. That’s how the banks made money. It seemed like a great concept. As part of the lesson, the teacher showed is how a deposit of $50 dollars, left alone in a 5% interest bearing account for 20 years, would result in a total of $135 dollars.
First of all, yes it’s true. At one time banks did give you 5 percent interest … Read More »
The best thing about any new year is that when the calendar rolls over, you get your full compliment of vacation days back.
Last week at work, we received an e-mail about an opening on the day shift – Monday to Friday. 6am to 2pm. I sat down and gave this some serious thought, which means more than 30 seconds. I thought about being able to have weekends off again. To eat dinner at the same time as the rest of the world. To be able to go to a family event on more than 3 hours sleep. The opportunity seemed enticing. Then I thought about the cons – no more empty supermarkets. No more empty DMV appointments. Crowded subway trains filled with people coughing and sneezing. I shuddered at the thought. I started to do the math in my head. … Read More »
I woke up today full of energy and ready to attack the day.
Scratch that. It’s a lie.
I went to bed last night HOPING to wake up full of energy. It didn’t really turn out that way. Last night we stayed home to watch Justified and the new HBO drama True Detective. On Monday, I watched Man of Steel while Val and the 2 cats slept. It was a major disappointment. It didn’t come close to the Batman movies. I can’t beleive that Time Warner spent 225 million to make that. The Superman cartoons are better. I don’t really know why I bother watching movies any more. TV drama’s are so much better nowadays.
Anyway, when the end of 2013 rolled around, I made the decision, (the same decision that I make every year), to re-dedicate myself to being more active and … Read More »
And so 2013 comes to an end. One of the best years of my life… almost.
Just when you think everything is going in the right direction, life has the uncanny ability of clipping you on the back of your head and saying, “not so fast, bucko.” Yesterday, as the old year was winding down, Valarie and I were trying to decide what we were going to do to ring in the new year. We kept waffling on where we wanted to go, but we finally settled on going to the movies to see the Wolf of Wall Street. We were running a bit late, so we jumped into the car and took off, not noticing that there might have been something amiss. We traveled nearly a mile before I saw the piece of paper flapping under my windshield. I jumped … Read More »