The Gift
AdventureMan and I used to have lavish Christmases, trying to delight one another, and we did. One year, I bought his some crystal goblets he had been admiring, and some years I was able to add to his collection. One year, he bought me a Mont Blanc pen, which I adored, and another year two beautiful salad serving bowls with irises in them. (I still have them and delight to use them.)
This year, he gave me the best gift of all. I was working on a committee in our church, helping to make sure children we had volunteered to sponsor in the Salvation Army angel program received gifts of clothing and a toy or bike or age-appropriate gift. There were a few children at the end who had not found sponsors, but other people had chosen to donate cash or checks in lieu of sponsoring a child.
As we were getting ready for church, AdventureMan told me he had an idea for my Christmas gift, but he wanted to run it by me.
“How about if I make a donation to the Angel Tree, to help sponsor the kids who don’t have sponsors?”
He took my breath away. He can still do that.
We are not rich, we are modestly comfortable. We have always lived within our means, and placed a high value on saving. We have a comfortable home, enough to eat, and we keep our spending under control so that we even continue to grow our savings a little while we are now ‘retired.’ There is nothing I need for Christmas.
I’m still grinning from the grandness of his gift; the delight it continues to give me every time I think about it.
The Salvation Army has one of the lowest rates of administration funds to charitable funds of all the charities in America. They make every dollar you donate squeak, they work it so hard. They feed the poor, they give hope to children, they comfort the homeless and veterans, and they counter pornography and human trafficking (Yes. It happens in America, too.)
To find out how you can help this organization which helps so many, so generously, just click on the blue type Salvation Army and it will take you to their home page. There are many options for giving, including donations, giving of your time and energies as a bell ringer, or working with them in a variety of human services.
“I’m Not Sure I Agree With What I am About to Say”
After all these years . . .
AdventureMan can still crack me up. As we were talking the other day, he started a sentence with “I am not sure I agree with what I am about to say . . .” and he didn’t get any further. I was cracking up too badly to listen. Like – if you might not agree with what you are about to say, why on earth would you say it??? I didn’t even have to say it, he started laughing, too, and whatever he was about to say did not get said.
This morning, he came in wanting to interrupt me with some item of business and I glared at him. I glared at him.
“I’m paying bills.” I said. That says it all. Paying bills is stressful for me. Historically, as a young military wife, it was all about making sure the bills were paid and wondering how much money would be left after paying all the bills. We never did not pay a bill. We often eeeked our way from paycheck to paycheck.
Now, by the grace of God, there is enough money, even retired, but we still need to be careful, and I particularly try to be careful because so much is done electronically, that transposing two digits could post a payment to the wrong account, or pay the wrong amount. For me, it takes concentration.
“After 37 years, I should know that, shouldn’t I?” he asked, backing carefully out of my office.
LLLOOOOLLL.
When Bureaucracies Function Well
This week AdventureMan and I explored something new in our lives – Early Voting. We had heard about it from our friends. It’s not like absentee voting, where you are mailed a ballot and you mail it back in after you have filled in your votes. With early voting, you can actually go to a voting place and vote.
We went after lunch, and we didn’t know where it was, but once we got near, we started seeing signs. Great signage.
When we entered the door, there was a lady there to tell us where to go – and more signs, too.
When we got to the right floor, there were signs with arrows and “Vote Here” on them.
When we got to the voting office, there were lots of people to help us get our ballot. When I messed up my first ballot (I hadn’t read an amendment carefully), they quickly did all the necessary paperwork and got me voting again. The second time, the machine accepted my ballot. 🙂
All in all, a fabulous experience. And – they gave me a sticker! We were so impressed with the careful attention to detail that had gone into getting us to the right place and getting our vote accomplished.
Later in the week, I had a mammogram. Being new, I am not in the system, so I have to go through admitting procedures every time I go to a new doctor or a new institution. At the West Florida Hospital, as soon as I got to the right room, I could see a sign telling me where to wait my turn. The receptionist was welcoming AND efficient. There were a lot of people waiting, and one by one we were taken in to have our paperwork done. No need for a pen; you sign on a machine, like you do for credit card purchases in many stores. Then you sit in a small hallway until someone calls your name and you become a human train as a guide leads you to your stop. That part was half hilarious and half annoying. If I knew where it was, I might have gotten there faster on my own, but . . . I didn’t know where it was. As far as systems go – it worked. It kept people orderly. It got a lot of people in and out efficiently, and fairly. No one can break into the lines, claiming to be more important. I am guessing if there is a patient whose malady is serious enough to take precedence, they have procedures they can follow separate from the normal intake procedures.
I have to stop and admire when bureaucracies function as intended, to help us more efficiently accomplish our business. It is when they become a stomping ground for nepotism and inefficiency that they earn my ire.
When I arrived in Qatar, my bank had a Women’s branch which was convenient for me and I loved going there. I was often the only customer, and the women taking care of me were always charming, helpful and friendly. When the same bank broke into another section and became an Islamic bank, instead of a normal bank working with Islamic customs, I was no longer able to use the women’s bank, but I’ve always remembered their personal customer service.
On the other hand, banking in Qatar could be totally tortuous, if you had to use the normal bank where Mr. Important would walk right in front of you as if you didn’t exist, or certainly, as if you were far less important than he was. In Kuwait, at my bank branch, you took a number, and it appeared to me that most of the time the number system was honored, unless it was a personal friend, LOL. Personal friends, or friends of the family, or a friend of a friend of the family always get to go first.
I suspect there are similar exceptions in Pensacola, but less transparent. Mr. Important has his own banker he can go to without waiting, probably in a private office, and it is invisible to the rest of us. Ms. Important, on the other hand, probably has to wait in the waiting room with the rest of us for her mammogram.
Anti Poverty Team Needs You in Escambia County
Volunteers Needed for Bridges to Circles poverty initiative!
If you are committed to making our community better by countering poverty or its impact on people and businesses in our community, come explore the innovative concepts from the trainers of Bridges to Circles. We believe this training will have a significant impact on how individuals relate to one another and to those living in poverty.
The Bridges to Circles poverty initiative, in collaboration with Unite Escambia’s Poverty Solutions Team, is actively working with families who desire to move from living below the poverty line to self-sufficiency. We are in need of community volunteers who are willing to serve as allies for these families.
If you are interested in volunteering please attend the Bridges Out of Poverty workshop on Thursday, October 14, 2010 and Hands-On ally training, Thursday, October 28, 2010. All training is conducted from 6-8 pm at the Catholic Charities Outreach Center, 1815 N. Sixth Avenue. For more information, contact Haley Richards, Bridges to Circles community organizer, at 429-7296, ext. 17 or email richardsh@cc.ptdiocese.org.
Thank you for supporting our efforts to reduce poverty in Escambia County!
Haley Richards
Bridges to Circles Community Organizer
Catholic Charities of NWFL
Office: (850)429-7296, ext 17 or (850)293-9565
Join us on Facebook!
Learn more at http://www.uniteescambia.com/
Cox Customer Service
On my recent Cox bill, in tiny print, I found the following:
Attention: Beginning (date) the price for the Cox Service Assurance Plan will increase to $5.95 per month plus franchise fees and taxes. The Cos Service Assurance Plan offers you protection for some of the inside wiring connection of you Cox services including Cox TV, Cox Advanced TV, Cox High Speed Internet, Cox Home Networking and Cox Digital Telephone. For more details on how the Service Assurance Plan protects your Cox services please call a Cox Customer Care Representative at (phone number).
My question . . . When you subscribe to a service, and pay a monthly rental on the equipment they provide to provide their service, doesn’t that SERVICE cover fixing things that go wrong with their equipment??? I should have to pay $5.95 a month MORE to ‘assure’ SERVICE???
Show Me the Money
Two themes came together, early this Sunday morning in Pensacola, first, as Father Harry spoke to us at Christ Church this morning on stewardship, and giving generously, and then later, as I was reading my Sunday Pensacola News Journal, an article on our elected officials, and their finances, their net worth and where their money is coming from.
Father Harry spoke about the rich man, at whose gate Lazarus begs, covered with sores, and then, at death, how the rich man asks God to send Lazarus to wet his lips, as he burns in the eternal hellfires, and Lazarus sits with God. He also asks God to send Lazarus to warn his rich family members that their choices, their lack of generosity, will have consequences, but God says (I paraphrase here) that Moses already told them, and earlier prophets, and that if the rich didn’t listen to them, they are not going to listen to Lazarus.
To me, it seems a given, that if you are blessed with plenty, then you have an obligation to help those who struggle. It isn’t necessarily money, it can be food, it can be time, it can be expertise, or – in my case – it can even be fabric. 🙂 We learn it in pre-school and kindergarten, don’t we? Share what you have, and everyone gets along.
It totally boggles my mind that many of our good friends, government and military people, have excellent health care under a highly socialized system – that’s what the military health care system is all about, we all have access to the same treatment. Many of the people who have access to medical treatment become rabid about supporting health care for those who don’t. Part of it seems to be “I earned it, and those lazy bums expect it for nothing.”
Most of my life, I’ve worked with ‘those lazy bums’ and have grown to have a lot of understanding and compassion for the circumstances that can make an entire family bone poor. Sometimes, it is poor choices – but how do people learn to make better choices without help? How do people aspire to more when they think that the ‘more’ is inaccessible to them?
The face of our nation changed after World War II when many more Americans gained access to higher education as a veteran’s benefit; prior to the GI Bill, higher education was only available to those comfortable people who could afford it.
Also in today’s Pensacola News Journal is an article about Study: Educating Women Saves Millions of Children which is an Associated Press Story about a study published this month in Lancet. “Educated women tend to use health services more and often make better choices on hygiene, nutrition and parenting,” the study (funded by the Bill and Melinda Gates Foundation) concludes.
And last, in the Pensacola News Journal, is an article that makes my heart sing, that makes me proud to live in a democracy, the article about how much our elected officials are worth, and where there money is coming from. I love it that we hold our leaders accountable, and that their wealth is (theoretically) transparent to us.
I’m a great advocate of wealth. I admire people who create wealth, who invest, who work hard for their money. The best of these people, and I mentioned Bill and Melinda Gates (above) for a reason, give back generously. Many people don’t start out rich, they start from little or nothing and build slowly slowly until they have reached a comfortable level. Sometimes, even in hard times, if you have built a strong foundation, that money just keeps multiplying, especially if it is invested with some diversity.
“It’s called the law of the harvest,” my Mormon friends told me when we were discussing how what you give comes back to you multiplied. It was so graphic, I’ve never forgotten it. There is nothing wrong with money. Money is just another tool, like a computer, or a hammer. It’s what you do with your money (tool) that makes the difference. Money is kind of like a seed, you plant and you harvest, but it is also like fertilizer – you spread it around, and amazing things happen.
Having money is a blessing, and giving it away is even more of a blessing. When you give, good things come back to you, multiplied. It’s the Law of the Harvest.
Guide to Giving to Beggers
I don’t see so many beggers in Pensacola, but I do see a lot of men sleeping rough; the warm temperate climate here attracts a lot of homeless. The churches provide hot breakfasts, sometimes, and there is a homeless shelter and long term transition facility downtown. Giving to beggers was a much bigger issue in Qatar and Kuwait, where the begging woman with the baby in the souks or the guy with the plastic bag full of urine and blood would accost me, and I always had half a feeling I was being scammed.
Today’s reading in Forward Day by Day puts it all in perspective:
THURSDAY, September 23
Luke 4:14-30. The Spirit of the Lord is upon me, because he has anointed me to bring good news to the poor.
Snow fell on me as I waited for a cab. A rumpled homeless man in a stocking cap and fingerless gloves asked me for money.
I like to know that anyone I give money to is worthy (which usually means working or actively looking for work) and I don’t want him spending the money on alcohol or drugs. So I donate through a church or community organization. Pastors usually encourage that kind of giving.
I gave the man twenty dollars because I’d just been to the ATM and had nothing smaller. He stared at me for a moment and stammered, “Ma’am? You meant to give me a dollar, didn’t you?” When I said no, he put his head back and began to yell, “Thaaaank you, Jesus!” over and over. He went to a nearby coffee shop and came out with a huge cookie and a cup of coffee, still singing out, “Thaaaank you, Jesus!”
What if a beggar misuses my money? That isn’t my business. Giving to a beggar is between me and God; what he does with the money is between the beggar and God. (2004)
Thank you, Jesus. 🙂
7 Million Pounds
Many thanks to my Kuwaiti friend for sending this; if this is true, it is hilarious, and a wonderful story of the ingenuity of the human spirit:
Outside England ‘s Bristol Zoo there is a parking lot for 150 cars and 8 buses. For 25 years, its parking fees were managed by a very pleasant attendant. The fees were for cars (£1.40), for buses (about £7.00)..
Then, one day, after 25 solid years of never missing a day of work, he just didn’t show up; so the zoo management called the city council and asked it to send them another parking agent.
The council did some research and replied that the parking lot was the zoo’s own responsibility. The zoo advised the council that the attendant was a city employee. The city council responded that the lot attendant had never been on the city payroll.
Meanwhile, sitting in his villa somewhere on the coast of Spain or France or Italy is a man who’d apparently had a ticket machine installed completely on his own and then had simply begun to show up every day, commencing to collect and keep the parking fees, estimated at about £560 per day — for 25 years.
Assuming 7 days a week, this amounts to just over £7 million pounds……. and no one even knows his name.
Five Theories on Why the Housing Market is Still Falling
This is from AOL News Opinion Round-Up and not one of them mentions my favorite theory, which is – the big huge bulge of baby boomers is now retiring and downsizing, there is a glut of housing on the market because there is not the same market for houses that existed when this big bulge of population was mating and bearing children. I think the ‘problem’ is greatly a natural phenomena related to the demographics. Experts disagree. 🙂
Why Is the Housing Market Plummeting? 5 Theories
Max Fisher
The Atlantic Wire
(Aug. 24) — Sales of existing homes dropped 27.2 percent in July, accelerating the recent decline in the already frail housing market. This brings the number of existing houses sold to an annual rate of only 3.83 million units, the lowest figure since 1999. The number of single-family home sales hit its lowest level since 1995. Some economists even fear that this signals the end of housing as an investment. How bad is this and what does it mean?
The Role of Expiring Tax Credits: Dow Jones Newswires’ Meena Thiruvengadam and Sarah Lynch explain, “The steep decline in sales in July reflects both a souring in the U.S. economic recovery and the expiration of a government tax credit program that has been supporting the housing market for more than a year. The tax credits offered certain buyers up to $8,000 to sign a contract by April 30. Deals originally needed to close by June 30, but lawmakers pushed that deadline to Sept. 30. Still, the tax credit’s expiration drove pending home sales down 30 percent in May and caused a double-digit dive in mortgage application volumes even as interest rates hovered near their lowest levels in generations. July’s existing home sales data reflects the May plunge in pending sales, which typically become existing sales within a couple of months.”
Tax Credits Caused ‘Collapse’: The Atlantic’s Megan McArdle writes of the homebuyer tax credits, “This housing collapse is the aftermath of that mania. The depth of the collapse suggests that in fact, the housing tax credit was not generating new demand as much as moving demand forward a few months. That means that we’re going to have to work out the aftermath in months of low home sales. … This only reinforces my belief that housing is no longer a good way to generate wealth. The government can’t fix this market, which needs to find a new, lower level. It can only very temporarily distort it.”
Market Fears Double-Dip Housing Recession: The Los Angeles Times’ Alejandro Lazo reports, “The big drop, which was worse than what many analysts had expected, sent stock markets tumbling Tuesday morning as investors feared a double dip in housing. The blue-chip Dow Jones industrial average fell more than 1%, as did the S&P 500, a broader measure of stocks. … The July plunge was the third consecutive monthly decline following the April 30 expiration of the tax credit, which offered up to $8,000 for certain buyers.”
Ballooning Supply Worsens Problem: The Atlantic’s Daniel Indiviglio explains, “This is the second highest inventory in a year. The number of months it would take to sell the current supply of homes also swelled in July to 12.5, which was a huge jump compared to June’s rate of 8.9. It’s also nearly double November’s rate of 6.5. Given the low rate of sales this summer and consistently high foreclosure rate, inventory will likely continue to grow. This is a really, really bad report. The awfulness of July’s sales were a little exaggerated due to all of the demand having been pulled forward form the buyer credit. But it’s unclear how many months of demand were captured early by the credit, so it’s hard to know when its effect will wear off.”
Entire Housing Market Is Stalled: Reuters’ Felix Salmon warns this report “means that despite record-low mortgage rates, people aren’t able to buy houses: essentially all the benefit from those low rates is going to people who already own their homes and are taking the opportunity to refinance. The news also means that there’s a big gap between buyers and sellers: the market isn’t clearing. Sellers are convinced that their homes are worth lots of money, or will rise in price if they just hold out a bit longer; buyers are happily renting, waiting for prices to come down. And entrepreneurial types, whom one would expect to arbitrage the two by buying houses with super-cheap mortgages and renting them out at a profit, don’t seem to have found those opportunities yet. Houses are rarely a liquid asset; they were, briefly, during the housing boom, but now they’re more illiquid than ever.”
Recent Comments
ExpatAlien on What Country am I Living … intlxpatr on Yellowstone: Old Faithful to C… Michelle on Yellowstone: Old Faithful to C… Cathy on No Grown-Ups in Charge intlxpatr on Waiting for Snow Wikipedia Donate Button
Amazina
Early Voting in Florida
Here There and Everywhere 