Over the past few years many changes in our financial industries, most of them bad, have caused a great deal of harm to us ordinary individuals. Many of these changes have brought about calls for more government regulation of these institutions.

While some new regulations or the overhaul of some existing rules may be needed I am not a fan of big government. Mostly because government doesn’t get it right when they get involved. Yes, the government had their hands in what has happened over the past few years as well. They do the bidding of lobbyists, whether it’s health care or financial reform and most of the rules and regulations are written for them by these same lobbyists.  Most of our representatives don’t even read what they sign.

One of the things that’s always frosted me is the fees financial institutions charge – such as check fees. These days most of them seem to be in the range of $30 to $50 dollars or more. Of course the banks try to convince us they are doing us a favor by paying a financial instrument they shouldn’t and then turning around and charging us a ‘fee’ for doing this – fees which are a source of Pure Profit for banking institutions.

One bank officer told me the banking fees are charged “…in order to teach the customer a lesson…“! Another told me “…we only follow ‘industry standards’ in setting our fees…“, which is bank-speak for ‘a little price fixing’.

I’ve had overdraft protection in the past by tying a second checking or a savings account to my main account. That is legitimate. What’s not is when I don’t ask for or give permission for overdraft protection.

If the bank wants to do me favors like paying a check even though there is no money there, hey, more power to me! Just don’t turn around and charge me for something I never asked for! This year some new government regulations regarding fees/overdraft protection are supposed to go into effect. I want less government not more.

The financial industries brought new banking regulations upon themselves with their treatment of ordinary folks over the last few years, as though the people are their own personal ATM machines! These industries took government money and stuffed their pockets with it and did nothing to help the people who needed it most. Never fear though, the financial industries Will find a way around any regulations – they are good at that.

The industry’s recent “..we’re sorry for the damage we caused…”, to congress aside, ‘Changes Need To Come Not From Government But From the Industries Themselves‘, getting back to the reasons banks were formed in the first place – to help people build and rebuild their lives not to stuff the financial industries pockets with money. What kind of lesson are we teaching the future generations? Greed is never a good thing.

Plenty of greed has fueled what has happened to this country over the last few years! Mom used to say “…money is the root of all evil”. When Money Becomes Your God, it is!

The financial industries should take the medical profession credo to heart – ‘Do No Harm‘!

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I don’t often comment on politics, because I believe a persons politics are their own business. I do sometimes eschew that people exercise their right to vote.

There is a special election coming up on Tuesday, January 19, in Massachusetts. I urge those of you living there to vote, to exercise your right to self determination. To often we feel there is nothing one person can to do change things for the better, myself included.

More importantly, today those in government forget they work for you and me, not the other way around — You can make a difference!

We make all kinds of excuses for not participating, but voting is one of your fundamental rights in a free county like ours. Please, don’t let it go to waste! I don’t.

I’m not sure if all states support permanent absentee ballots but California does and I take advantage of it. My ballots are mailed to me which makes for a much easier process. But if I want to vote ‘in person’ and take advantage of the community of people one finds there, I can hand carry my ballot to my polling place. It’s the best of both worlds. Consider doing  absentee ballots if it makes your life easier.

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Every one is well aware of the earthquake in Haiti and the problems the nation of the world are trying to address to get the needed relief in to the country. The aid operation is massive.

Having lived in Northern California since 1957, I have been through quite a few temblors and know how devastating they can be. While an earthquake takes a toll on infrastructure, the biggest toll is on the people and their psychological well being. You have a feeling of ‘absolutely no control’ over your well being during an earthquake. They aren’t predictable like a hurricane or tornado where you can seek safety or shelter.

In 1989, I was several blocks from home, driving on a city street, when the Loma Prieta quake hit and basically had no control over what my vehicle did until the shaking stopped. The neighborhood spent several nights ‘camping’ on the front lawns, due to safety concerns.

My heart goes out to the people in Haiti as I look at the pictures coming from there. I believe, that with what they have been through over the last few years, the people have the capacity to rebound and come back better than ever – with the help of the International Community!

I know that everyone wants to help in whatever way they can. The best thing you can do right now is to send a money donation. Please act with caution though, as at times like these there are those who will try to take advantage of the situation. I have already received email solicitations from unrecognized folks. Send your donations, marked for Haiti relief, only to agencies you know are legitimate.

The below links may be of some help but I am sure you can find many local agencies to assist in this tragedy.

http://www.imcworldwide.org/Page.aspx?pid=183

http://doctorswithoutborders.org/

http://www.haitianhealthfoundation.org/

http://www.medicalteams.org/sf/Home.aspx

http://www.opusa.org/

http://www.actionagainsthunger.org/

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Guest Post by The Jedi’s Grandpa

I still can’t believe it’s 2010. Remember when that year was just a movie title? Well, we’re here now. Although the world is not exactly the way science fiction writers pictured it, the world is a completely different place than it was just 20 years ago.

20 years ago, not every household had a computer and no one had the Internet as we know it today. Cell phones were a rarity and text messaging via mobile phone was non-existent. In fact, most ‘in-touch’ people still carried pagers, aka ‘beepers’.

Ah so long ago.

But enough memory lane wandering. Let’s get back to the here and now. It’s a new year and in fact, it is a new decade.

I know we talked resolutions the other day and I hope those tips were helpful.

Interestingly enough, according to a quirkology.com study, only 12% of the participants achieved their New Year’s Resolution goals, even though 52% were confident at the outset of the study that they would do so. That doesn’t bode well for us and our resolutions, does it?

Bah humbug, I say!

I think New Year’s Resolutions get a bum rap because they come with such a big, shiny label. People make and break resolutions every day. They say they’ll stop smoking. They say they’ll stop eating junk food. They say they’ll become a vegetarian. They say they’ll exercise 3 times per week. Guess what? Most of those people don’t do it, no matter on which day they made they made the resolution.

The Mark Twain quote rings true for so many people, in so many ways: “It’s easy to quit smoking. I’ve done it hundreds of times.”

The thing is, you’ve really got to be dedicated to your goal or resolution. You need support, a plan and you’ve got to get back on track when you fall off. If you’re just making a resolution for resolution’s sake, save it for another time when you’re really ready.

Like I mentioned, I’m putting a focus on a healthier lifestyle. No pressure to be stick thin, starve or exercise until I drop. Maybe fewer ice cream treats and more walks up the stairs, instead of taking the elevator. You know, stuff I can incorporate into my everyday life.

If you’re making a resolution, good for you. If you’re not, why not make a goal to simply be grateful for all the blessings your life has brought you? When you’re ready to set an important goal for yourself, you’ll know it.

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Guest Post by The Jedi’s Grandpa

Can you believe it’s almost here…the last celebration of the year? Coming up the milestone year of 2010 that used to just to be something we heard about in science fiction novels and movies.
We’re planning a fun evening in this evening (fondue as usual!) forget the crowds, over-priced events. If you’re doing the same, here are some ideas for you.

For the Whole Family

- Slumber party. You don’t have to invite people over to sleep in the living room in your PJs. Have a family slumber party. Clear space in your biggest room. Everyone can bring their sleeping bag and pillow to spend an evening in the living room. Make snacks, watch your favorite movies and watch the ball drop, somewhere, together!

- Game night. Bring out your board games, electronic games and party games for a rip roaring good time until everyone falls asleep. If you have a karaoke machine, play some musical games while you laugh at each others musical talent (or the lack thereof). Or if your family has moved into the 21st century, RockBand will do the trick.

- Light up the sky. Shoot off a few fireworks to celebrate the New Year. Of course…be safe and obey all your local laws.

- Make some crafts. It will be a night of celebration, so you can take the day to make some crafts to use later on that evening. Create noise makers. You can use plastic eggs and rice or beans. Fill the eggs and then seal them with glue. Once it dries, paint the outside with festive colors. Another idea is party hats. It’s never a party without hats. Use construction paper, streamers, markers and glue to fashion a special hat to ring in the New Year.

- Prepare a special meal. Since the family is altogether, make dinner together. Each person can contribute their favorite dish to the meal. We love fondue at our house – it’s an all night feast.

Other Ideas

- Host a theme party. Invite guests to your home for New Year’s Eve but ask them to dress the part. How about a favorite movie character theme? What’s your favorite decade? What about sports?

- Teen New Year’s Eve party. If you are not in the mood to throw a party, your teenager might be. Instead of waiting up for them to come home, host the party in your home. Brainstorm with your child as to what the menu will be and how to decorate. They can give you some pointers there. If the parents want to stay, create a room with food and games for you guys.

- Movie night. This is a great idea for a group of friends or dating couples. Each person can bring a movie that they want to see. It can be of any genre or you can request holiday movies. Each person can also bring a snack for the evening. Just remember to turn to the ball dropping at midnight.

Whatever you do, have fun. You don’t need to buy a fancy dress, spend a ton on tickets and a cab ride home. Stay home, stay warm and have a ball.

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Guest Post by The Jedi’s Grandpa

Can you believe it’s almost here…the last celebration of the year? Coming up the milestone year of 2010 that used to just to be something we heard about in science fiction novels and movies.
We’re planning a fun evening in this evening (fondue as usual!) forget the crowds, over-priced events. If you’re doing the same, here are some ideas for you.

For the Whole Family

- Slumber party. You don’t have to invite people over to sleep in the living room in your PJs. Have a family slumber party. Clear space in your biggest room. Everyone can bring their sleeping bag and pillow to spend an evening in the living room. Make snacks, watch your favorite movies and watch the ball drop, somewhere, together!

- Game night. Bring out your board games, electronic games and party games for a rip roaring good time until everyone falls asleep. If you have a karaoke machine, play some musical games while you laugh at each others musical talent (or the lack thereof). Or if your family has moved into the 21st century, RockBand will do the trick.

- Light up the sky. Shoot off a few fireworks to celebrate the New Year. Of course, …be safe and obey all your local laws.

- Make some crafts. It will be a night of celebration, so you can take the day to make some crafts to use later on that evening. Create noise makers. You can use plastic eggs and rice or beans. Fill the eggs and then seal them with glue. Once it dries, paint the outside with festive colors. Another idea is party hats. It’s never a party without hats. Use construction paper, streamers, markers and glue to fashion a special hat to ring in the New Year.

- Prepare a special meal. Since the family is altogether, make dinner together. Each person can contribute their favorite dish to the meal. We love fondue at our house – it’s an all night feast.

Other Ideas

- Host a theme party. Invite guests to your home for New Year’s Eve but ask them to dress the part. How about a favorite movie character theme? What’s your favorite decade? What about sports?

- Teen New Year’s Eve party. If you are not in the mood to throw a party, your teenager might be. Instead of waiting up for them to come home, host the party in your home. Brainstorm with your child as to what the menu will be and how to decorate. They can give you some pointers there. If the parents want to stay, create a room with food and games for you guys.

- Movie night. This is a great idea for a group of friends or dating couples. Each person can bring a movie that they want to see. It can be of any genre or you can request holiday movies. Each person can also bring a snack for the evening. Just remember to turn to the ball dropping at midnight.

Whatever you do, have fun. You don’t need to buy a fancy dress, spend a ton on tickets and a cab ride home. Stay home, stay warm and have a ball.

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Guest Post by The Jedi’s Grandpa

It never fails. Aunt Rita always buys you that horrendous Christmas sweater that you’re just never going to wear. Of course, if you’re ultra-polite, you may make an obligatory appearance in the sweater just once. But goodness knows, you don’t want that sweater.

So what do you do?

Ask Aunt Rita is she has the receipt, so you can exchange it?

Probably not, because Grandma Johnston would be miffed and Aunt Rita might get embarrassed. Or would they?

Taking the lead from my mother, I prefer to take a pro-active stance when it comes to returning unwanted gifts. Personally, I find the thought of giving someone a total useless gift completely against the spirit of gift giving. Ego has no place in gift-giving. I give gifts because I want to show people I care and that I care enough to get them what they want. And even though I may try to buy the perfect gift, I most certainly goof up now and then.

So instead of creating any awkwardness, I enclose a gift receipt with each gift. That way, the recipient can exchange or return the gift. Heck, if they’d prefer to take the cold hard cash, so be it. It’s what’s useful to them at that moment. Many large stores offer gift receipts that list the items without their price, but if they decide to purchase they will get a credit or refund of the original purchase price.

If the store I’m buying at doesn’t offer a gift receipt, I might include the receipt or at the very least, tell the recipient that if it’s not quite the right thing, they can exchange it.

I find that when you’re open like this, other people are open too. I don’t think it’s ungrateful (although some old school gift-givers may not agree, so use your judgment) it’s a matter of being practical. And seriously, it does nobody any good when things pile up in your closet, never to be used. Of course, you might make donations out of some of the gifts or get resourceful and sell them on eBay, but certainly, many unwanted gifts end up in landfills. That’s not right either.
So let’s say we be practical this year? Let people get the gifts they want, and let there be no hard feelings. Sound good?

And seriously, if you keep pretending you like those horrid Christmas sweaters, you’re gonna keep getting more Christmas sweaters. Stop the vicious cycle now.

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Guest Post by The Jedi’s Grandpa

It’s fun (well, for most of us, I think!) to have the entire family together for a Christmas dinner, sharing good food and good times on that special day of the year. But, what happens to the food once the meal is over? Well, I’ve got 8 ideas for you and hope they’ll come in handy.

- Make soup. Soup is a very comforting and warming dish when the temperature begins to dip. Using chicken or beef broth, you can use your leftovers to make some chicken noodle soup, turkey noodle soup or even beef stew.

- Freeze them. Freezing means that you can enjoy your Christmas fare at anytime. If you use plastic storage bags, make sure that they are freezer bags and write the date of freezing on the outside. When you divide food into portion sizes then you can thaw out only what you need and not the entire lot.

- Send guests home with food. Why keep all the bounty to yourself? Load up on reusable food containers (in festive colors) so that each guest can take home some food for later.

- Make a salad. Green salads can be so boring sometimes. Add a slice or two of turkey, beef, chicken or ham to spice it up. Leftover meats make great salad toppers.

- Breakfast additions. Omelets are fun to make. Even more fun than making them is adding different items to them to see what kind of combinations you can come up with. Use leftover Christmas dinner fare to decorate your omelet. Ham can be diced to use as an omelet add-in. Leftover vegetables can also be cut up to sprinkle inside an omelet.

- Go eastern. Did you have steak for Christmas dinner? Cut the leftovers into thin strips. With a few stir-fry vegetables you have created a new dinner meal. If stir fry is not your cup of tea, you can make lo mien, fried rice and other Asian dishes that include steak. Or if you had the traditional turkey, go wild with turkey chow mein.

- Casseroles are always a hit. Who doesn’t love a good casserole? With Christmas dinner leftovers, you can whip up a casserole for any meal. With breakfast, combine ham, veggies and shredded cheese with egg for an after Christmas treat. For lunch, use some turkey, rice, cream soup and vegetables for a midday meal. For dinner, try chicken, vegetables, noodles and cream of chicken soup for an easy all-in-one meal that takes less than an hour to cook.

- Create a pie. This is not the sweet treat but a dinner pie. Turkey or chicken and even beef can be placed inside a crust with tons of delicious veggies to make a pot pie your family will love.

I know it can be overwhelming when faced with all that leftover food, but hopefully these ideas can make sure nothing goes to waste.

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Guest Post by The Jedi’s Grandpa

Christmas is the time of year when families can renew their connections to one another but with the commercialism of the holiday, sometimes this gets lost. If you are trying to rekindle those feelings of love within your own family, here are some ways to do just that on Christmas day.

- Enjoy breakfast together. Breaking bread has always been a great way to share stories and foster the idea of family. Hopefully you already decided who will host the meal. If you live close to other family members then getting there is as simple as hopping in the car and traveling a few miles or minutes away. The actual meal will be a little later in the morning to accommodate everyone’s schedule.

- Read the Christmas story. Nothing brings a family closer together than remembering the reason why you are celebrating the holiday. Each person can take turns reading a portion of the story. You can even read different biblical versions of the story. For a new twist, have a few family members act out the Christmas story as one person narrates it.

- Hold a video family gathering. Most laptops come with webcams installed these days. If you have a desktop it is quick and easy to hook up one. With an instant messaging program like Skype or Windows Live you can see as well as talk to family members far away. Have those members who live close to one another gather at the home of one person. When everyone is together, start the video call. Everyone can go around the room and say what they are thankful for. You can share good times on Christmas morning even though you are far away.

- Attend a church service. It is wonderful when Christmas falls on a Sunday. Everyone can get bundled up and head off to a calming morning service. Even when it doesn’t, there are several churches that will hold a small service on Christmas Day no matter what day of the week it is. Agree with other family members to gather for this service to spend time in each other’s company.

Overall, take your time and enjoy the day. Instead of everyone ripping into presents and gobbling down dinner. Take time to savor each moment and each other.

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Guest Post by The Jedi’s Grandpa

I love Christmas Eve. It’s a relaxing night (well, compared to the chaos of tomorrow morning) and offers a little time to reflect while the wee ones sleep. They’ll be jumping on your bed at the crack of dawn (or earlier), so now is my time.

We usually have a simple dinner in the evening. It’s often our family tradition of fish. On more elaborate evenings, that might mean breaded and fried sole with homemade tartar sauce. On more tired ones, it’s Highliner fish sticks and chips for the crowd. Interestingly enough, both are met with equalled enthusiasm.

After dinner, we get the cookies and milk ready for Santa. And of course, carrot sticks for the reindeer. Seeing the look of satisfaction on the kids faces christmas morning when they see the snacks they left out have been gobbled up. Funny thing is, they often check the treat dishes before they even look at the presents.

Then the kids are off to bed, but of course, there are a few starts and stops along the way.

“Mommy, I can’t sleep.”
“I’m hungry.”
“When will it be morning.”
“I’m thirsty.”

You know the drill, but eventually, they drift off to sleep and it’s quiet once again. With a glass or red wine, I settle down to last minute wrapping and getting presents under the tree. And of course, the stockings need stuffing too.

I often look through the old photo albums, you know, prior to the digital age, and see how everyone has grown and changed. I think about my mom and dad, who aren’t with us any longer and friends lost along the way. Funny how it’s positive thoughts and remembering the good times we had that always remain.

Cap it off with a Christmas movie favorite and the night is golden. I can’t let a year go by without watching A Christmas Carol. My favourite is still the 1951 version with Alistair Sim, I’ll save the hilarious A Christmas Story (remember, Peter Billingsley) for a fun night with the kids and remind them, “You’ll shoot your eye out!” over and over again. They love this, or so I convince myself.

That’s pretty much for me. How does your Christmas Eve go?

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