89 thoughts on “Our Daily Thread 7-16-19

  1. I agree. I haven’t even had dinner yet and you all are already coming to my day.
    Morning or good night????

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  2. Go back to bed Mumsee.
    Good night to you too Jo.
    Good moaning everyone else
    Pretty butterly.
    Off to whatever Tuesday is supposed to bring.

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  3. My friend Joan comes tomorrow. She is 82. Six friends from my fellowship group came this evening to help me get her things to the home where she will be living. It took all six of us. I had clothes and a trunk here and then we went to her storage shed. I guress it is a storage room as it is under a house and there are a bunch of them there. The door was very hard to open and took two guys. They said that the building had shifted in the earthquake. And then she had two barrels or drums and one was difficult to open. We got it all to her house so she can find things when she gets here. She has a lot to sort through and is bringing language papers with her. Did I mention that she just finished a Narak/English dictionary that was over 1100 pages? She is probably the only one who knows Narak and who could do the job. A pioneer

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  4. Mumsee- AJ occasionally puts the new threads up at midnight Eastern time, so it is still the previous day for people like you and me in other time zones.

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  5. 6Arrows – “Can I start claiming 57 when I turn 57 this year?

    Hey, I just thought of something. You ’57ers are turning 62 this year, and I, a ’62er (sixty-tour?) am turning 57. So maybe we can do some number swaps when we get to the key digits.

    It seems like it’s a first-come-first-served issue. If you get here when 57 is ready, go for it!

    That’s a lot like last year. Mrs. L was born in ’61 and turned 57 in the year I turned 61.

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  6. 6 Arrows, 2 things:
    1. I agree with Peter, feel free to join the tussle. On my birthday I have been known to try to get both 57 and the number of my age.

    2. Last night you said, “Good night, wanderers. I will spare you anymore details about piano thoughts this summer.” Please don’t hold yourself to that. It’s interesting stuff and I’m learning a lot from it.

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  7. Morning! We had the most lovely downpour of rain last evening. This morning the pines smell wonderful!
    Every morning we listen to the Pandora Jim Brickman station. Soothing piano music 😏

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  8. Time waits for no man…..

    Or Mumsee……

    Ya’ll need to get with the program. Say it with me now…..

    Eastern Standard Time…….

    There. I knew ya’ could. 😉

    ——————-

    And it’s only temporary.

    Liz is off at a Teen Leadership Conference at Clarks Summit University. I’m hoping she likes it there.

    https://www.clarkssummitu.edu/

    So Cheryl and I have a few days off together so we’re staying up late, and sleeping in. Things will go back to normal by Thursday when Cheryl goes back to work.

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  9. Wow, that butterfly is bright. It woke me right up!

    My teenagers are still sleeping–which means they may finally have crossed over the jet lag into normal living.

    It’s been fun having them, though I go to the grocery store a lot more than usual!

    Marcus is chatty, Julia answers most of the questions Marcus does not and Vilma is the youngest and quietest–but she has a sly grin.

    They’re so pleased with warm weather, they like to sit outside and play Uno. It’s all going well.

    I’m trying to learn to count. The Finnish language goes on and on and on . . . .

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  10. And in other news, thoughts on UFOs:

    https://www.reasons.org/explore/blogs/voices/read/voices/2019/06/25/responding-to-ufos-in-the-news

    Hugh Ross’ book “Lights in the Sky and Little Green Men,” is the most readable to this English major. The basic tenet is UFOs are either explainable (95%) or the individual who sees them generally has some link to the occult in either their background or the background of someone close to them.

    Physics has proved it would be impossible for an extraterrestrial to travel to earth.

    Science, you know. Just sayin’

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  11. Michelle – What kind of school are they going to that is in the summer? Are they believers, or are you hoping to witness to them?

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  12. 6, please do not hold off on the instrument discussions. I was enjoying it. It is rare that I am able to discuss technicalities of music with anyone. In my young adult years, my dear friend and relative was training to be a professional musician and she and I would talk about those kind of things all the time. But she and my siblings have all married and become preoccupied with family life and I feel very much alone in many of my interests, including music. When I played the organ for the city church, there was technical discussions, but involving electronic, not acoustic instruments, and the terminology is entirely different – it was like trying to learn a new language.

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  13. Okay, I see you folks are back to “normal”. That is good.

    A beautiful day here, lots to do. Today is sonogram day, maybe find out if baby is a boy or girl. It is also tour the facility day for seventeen daughter. Maybe she will be moving there in a few weeks, when she turns eighteen. But from what we have seen, everything takes a long time so she may still be here when she is eighty.

    We had a pleasant evening with friends we had not seen in ages, though they live just down the road.

    Twenty one year old heads back to husband and son, tomorrow. It has been a very nice visit and hopefully, help to reground her and build up her determination to make her tour on Okinawa a pleasant time.

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  14. Linda, are you there? I may have asked before but I am asking again. It appears daughter has accumulated nearly twenty thousand in debt. That means she went through around one hundred thousand while living with my folks. And has nothing but tattoos and piercings to show for it. She is working part time at a very minimum wage job, which will probably end in September. She has no transportation but us, and no driver’s license though we are working on that (it was suspended for negligent driving/ dropped from dui). Should she file for bankruptcy? We certainly don’t have the resources to pay her outstanding debt, she won’t for years, though we did just pay nearly a thousand to sign her up for a CNA course so she will have something if she passes. She was shocked yesterday to see that Medicaid is not paying for her baby check visits. We will look into that.

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  15. Mumsee, it seems to me like she is morally obligated to pay that debt, even if it takes a long time. I think bankruptcy is legitimate for unpayable yet responsibly accumulated debt (e.g., medical expenses or a failed business), but not for personal extravagance. That’s my own two cents.

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  16. Beautiful, Janice! That’s the gulf fritiallary, right? The photo I got is of the underside, which is even prettier. I’ve photographed three species of fritillaries in Indiana, but we don’t have that one (which is prettier than most of ours).

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  17. Good morning.

    What is “normal”? And is that us? 😉

    Peter and Kevin, I’ll wait with the 57-claiming until I am actually that age, a couple months hence. Then let the scuffling commence. 🙂

    Ha, that rhymed. Didn’t set out to do that!

    Jo, may you have an enjoyable time with your friend tomorrow. Where is she coming from?

    NancyJill, my parents like listening to Jim Brickman. It’s on some channel on their dish, not sure which. They often have it playing when we go to visit.

    Kevin and Roscuro, 8:59 and 10:16, plus Kare and Kizzie, who “liked” those comments — thanks. I was afraid I was getting too intense lately with all those posts about you-know-what, so figured I’d back off to avoid overwhelming all you fine folks.

    Of course, there’s always the scroll feature anyone can utilize to skip past my posts. Maybe I should put a CONTENT WARNING: PIANO POST AHEAD! preface on those. 🙂

    Truthfully, I’ve learned a lot in the last couple weeks, though, too, so I’m glad at least some of what I’m posting is useful to others, too.

    I’ve been talking my husband’s ear off about all of it, too. He’s been a trooper about it. He can’t scroll past my verbal comments, though. 😛 But I suppose he could stroll out of the room when I start up again with piano talk, lol. 🙂

    Roscuro, the string quartet rehearsal I went to last night at church was such a joy. We play this Sunday, and yesterday was the first time we practiced together on this music. The other 3 players are high school and college age, and what a fine group of musicians they are. Rehearsal went very well, even with all the meter changes that occurred in the music (4/4, 3/2, and 2/2, switching often among those meters). There are a lot of rests in the viola and cello parts, so counting them during all those time signature changes was interesting, to say the least! But those young folk have really been trained well, and our run-throughs last night went extremely well, almost without exception, right from the start.

    It’s so true, how it’s such a joy to share in musical and verbal/written camaraderie with other musicians.

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  18. 6, I have played in a couple of string trios, but never had the opportunity to play in a string quartet, but I do know something of the joy of the dialogue between instruments. It is different than when playing a solo with piano accompaniment. An accompaniment is like the echo of the solo instrument, but a duet, trio, or quartet is a conversation between equals.

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  19. 6, Keep the piano posts playing, we’ve got to find out how it all ends (and how you get there). 🙂

    I woke up this morning at around 5 a.m. (thanks, cat) to the sounds of the fog horn in the harbor and felt grateful for living near the water. I love those sounds. And it also means the weather is taking a turn for the cooler, though we still haven’t had any extreme heat along the coast this year.

    I’ve had a scratchy throat since yesterday and am feeling very low-energy. I need to call my cousin in MO today (he called yesterday but while Real Estate Guy was here — I owe him a phone call and had thought I needed to do that this week anyway. Other than that, the day seems clear but I think I want to keep it that way. I need to pick up a BD gift for the friend I’m visiting Saturday — tomorrow is the porch light install and Thursday is the crazy vet visit with all 3 animals, one of which I’ll need to hoist somehow into the Jeep.

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  20. Late yesterday I took my Bible out to the front porch to read and to just sit for a while. I was amazed at all the busy birds, flocks of them flitting about. Just watching and listening to them was so peaceful.

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  21. Mumsee, there are ways for her to work herself out of that debt if SHE wants to. As a first step, I would recommend she attend a Financial Peace course. It is nine weeks, in the evening, and costs $129. It would be money well spent.

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  22. Mumsee, if your daughter isn’t interested in changing then I don’t think there’s much you can do. If she does want to change, then I second Linda’s recommendation of Financial Peace University.

    When my church has hosted it they’ve offered a scholarship for anyone for whom $129 was too steep. Perhaps other hosts do the same.

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  23. Roscuro, were those trios in which you played comprised of violin, viola, and cello, or were there 2-violins and 1-[viola or cello] combinations?

    I’m the opposite of you in terms of small string ensembles — I’ve never played in a trio, but played in a student string quartet for several years in college.

    Oh, wait, it seems to me our cellist sat out on one piece we played once, so I guess I did play as a trio that time, with the two violinists in the group. I can’t remember which piece that would have been, though.

    Sunday will be the second time I’ve played in a string quartet at church. The first was in May when our new pastor was installed. The first violinist and cellist are sister and brother, and the second violinist was a different young lady that time than the young lady who is playing second this Sunday. We have two women who share worship coordinator duties, and the one who directed the May ensemble had her daughter playing 2nd violin that time, while the one who is directing this weekend has her own daughter, who is home from college for the summer, playing 2nd this weekend

    It’s nice we have all this young talent in our congregation. I am thoroughly enjoying playing viola with my fellow string players.

    One of the advantages of belonging to a larger church, too — there’s generally a bigger pool of musicians, and lots of opportunity for interesting instrumental combinations.

    So far, my string quartet experience at church has consisted of our ensemble functioning in more of an accompanying capacity. i.e., we’re not playing as a single entity, but along with a choir. Sometimes we do get the melody, though, or parts of the ensemble do (especially, not surprisingly, the first violin).

    The director for this weekend’s service told me last night that she’s going to look for more choral arrangements that utilize string quartets, while we still have these young string players around our area. I really don’t know if there are any other string players in the congregation. There may be one or two very young students who might be able/willing to step up to ensemble playing some year, but I’m not sure.

    The director also asked me last night about possibly composing some string quartet arrangements for a few hymns that might not already have a string ensemble part. Given that it may not be long before we’re out of enough players to make a string quartet, and since our ensemble was well-received by the congregation, I think this is a good time to add to the quartet repertoire our congregation has, which is a very small quantity at this time.

    I composed one piece for string quartet when I was working through a book a few years ago entitled Music Composition. Arranging a hymn for string quartet accompaniment would be simpler than composing a brand new piece. The melody and harmonies already exist; it wouldn’t be that hard to divvy up those elements of the music among the four instruments, knowing their ranges, timbres in certain registers, the overall character/tone of the hymn, etc.

    I’m thankful for my student teaching experience in strings, even though I didn’t end up teaching orchestra when I was a public school teacher. It makes composing for a string quartet much simpler than writing for, say, a brass ensemble.

    No transposing, for one thing. 🙂

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  24. Good afternoon! The Gulf Fritillary butterfly is on our barberry bush. The passion flower vines are all over the barberry. I really wanted a photo of the butterfly on a passion flower, but it would not stay still long enough for me to get that preferred photo. I sent one of the underside which AJ may post. Also a fat caterpillar.

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  25. DJ, 12:33, OK. Here’s a little update.

    One piano is off the plate now. I called our friend, the owner of the store where the first piano was (the repo with the badly-sounding strings at the top), and told him we couldn’t make a go of it at this time. (This was also before I’d made the realization that we did have those old piano funds invested.)

    We had a very nice conversation, all ended well, and the door is open for future discussions on different pianos.

    They had gotten a tuner in to look at it — on Saturday, he said — and the strings are fine now but might go out of tune sooner than usual.

    That assessment is consistent with what my tuner had said, too, and with the general tendencies of small instruments, and especially those that haven’t been tuned regularly.

    I felt really good about how the whole conversation went. Friendships preserved; possible business dialogue (and likely some good lessons learned for both of us) still open for the future.

    Thankful and grateful.

    Other pianos? Funds? Still thinking. Still praying.

    All’s good. 🙂

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  26. Wesley played clarinet in a wind ensemble and also in a jazz band along with regular band. I loved hearing him play. He has not had time to play that since he began college ten+ years ago. He does practice a bit on our horribly out of tune piano. If I had extra money, I would replace the old piano so he could enjoy it more. That makes the piano discussion of interest to me, too.

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  27. 6 Arrows – My mom always wanted a piano. She could play “by ear”. She only had lessons for a brief period of time when she was a girl, and I think her playing by ear got her into trouble.

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  28. 6, three violins, two violins & viola, also violin duets. All hymn arrangements, some published, some arranged by myself, and, the last time I did anything like that was for a friend’s wedding who had arranged the music herself. I often made use of the harmony of the hymns for a basis for my arrangements.

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  29. Oh, the irony of a financial freedom course that costs a hefty fee. For several years, the radio station my parents listened to ran ads for a financial freedom guru who hawked his books and offeredseminars to ensure financial success. ‘Rich Dad, Poor Dad’ was the name of the book. We thought him a pretty slick con artist, preying on those struggling financially like a televangelist, “Just send me your money and all your money problems will disappear.”

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  30. Oh, I meant to comment on the second photo of mine posted yesterday (it’s still on yesterday’s thread if anyone isn’t sure what I’m talking about). It’s one of my favorite insects, the eight-spotted forester moth. I particularly like his fluffy orange leg warmers, so I watched for an opportunity to have them show.

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  31. $129 is hardly hefty compared to $100,000. And I’m sure there’s someone who would cover it if she’s really interested. I would, and have offered to for any of our friends, relatives, in-laws, and out-laws who want to go.

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  32. Roscuro, a bit over $100 to find help for people who are thousands of dollars in debt doesn’t sound exorbitant (or “hefty”). There is an actual cost to putting it on, I’m sure, and offering it free would likely mean people wouldn’t take it seriously. People don’t usually go tens of thousands into unpayable debt without either a crisis situation, a big expense (such as college or medical debt), or extravagance, and financial counseling can probably help with all of those–and cheaper than individual financial counseling. And since scholarships are offered for those who need it, it seems all bases are covered.

    I once had a roommate who regularly came home with two or three hundred dollars in clothes, but complained about how deeply in debt she was. It would actually be irresponsible for financial counselors NOT to charge such a person some money, and let other people pay it for her. If you can “afford” a $300 shopping spree, you can afford $129 and a few hours to get your finances in order. And you’re likely to take it more seriously, too. (Which is why students who pay their own way through college often take it more seriously than if their parents pay.)

    I have never “followed” Dave Ramsey. Being raised Scottish, I’ve never needed to. But multiple people on here have said he is useful, and he definitely isn’t a charlatan.

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  33. Cheryl, I owe more in student debt than Mumsee’s daughter. In order to renew my yearly certification in basic life support – something that is needed for any job that I apply for – I have to pay a similar amount to that $129. For me, with the debt hanging over my head, the fee for renewal is hefty.

    Dave Ramsey became financially successful by being a financial advisor:
    “From a very early age, Dave Ramsey understood there was value in a day’s work. As a child, he started several different business ventures to earn extra pocket money. His impeccable work ethic helped him become a millionaire by the age of 26. A few years after reaching the million-dollar net-worth milestone, Ramsey filed for personal bankruptcy. Since then he has created a business empire that revolves around using his previous money mistakes and Bible scriptures to teach smart money-management practices. Today, millions of Americans have turned to the teachings of Dave Ramsey to guide them along the path to financial security and wealth.” (https://www.investopedia.com/articles/investing/082015/how-dave-ramsey-made-his-fortune.asp)
    In other words, if it were not for the financially desperate buying his products, Dave Ramsey wouldn’t be a successful as he is.

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  34. I have no sympathy for creditors who would allow someone to get $100,000 id debt to them
    But it is almost impossible to get someone to be money/wise if they have the wrong concept of money.
    1. Some consider money a medium of exchange.
    2. Some consider money as a store of value.

    It is both, of course, but unless someone considers the second definition, there i no hope, no matter how much he/she is instructed.

    I worked (part time) with a man at the SC Highway Dept. while in USC. He says the he couldn’t stand having money. He had to find a way to spend it. He had a good job and was doing well. But he didn’t have anything left at the next payday.
    I was working part time for $0.80/hr and always had a little bit if I needed it.

    It didn’t have to do with money, but I had to instruct Chuck while growing up the difference between “I need” and “I want”.
    You can expend your resources on either, but you need to know the difference.

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  35. That’s why we’ve been through 5 doctors in seven years. They come to our local area for two years to get their student loans paid. Then they leave. Very frustrating for us.

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  36. By no means is Dave Ramsey only for the financially desperate. While his program is a lifeline for folks deeply in debt, he is a wise man in all things money and many things practical and spiritual.

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  37. There I was, sitting downstairs with my feet up catching up on everyone when I started to read DJ’s article. I got so angry, I set aside the Ipad and came upstairs to type.

    Do you know why 60% of medical school graduates in CA leave the state? They’re not from here to begin with!

    (It’s also ridiculously expensive to live here, but I digress).

    California, with a lot of medical schools, is the only state that doesn’t cap where the students come from. Or, as was pointed out to me, the (aforementioned) USC prefers rich Asian students over poor California students.

    Every other state medical school takes only a small percentage of students from out of state. California takes them all.

    As a result, the few people I know whose children have gotten into medical school, have seen them attend school anywhere but California–the numbers of out of state applicants are so huge, “natives” can’t get in.

    My furry is only slightly abated now that I’ve typed quickly.

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  38. As to money management, we benefited greatly from listening to financial teacher Larry Burkett for years. My kids and I listened to his fifteen-minute program, “How to Manage Your Money,” every morning while commuting to school in Hawai’i.

    I used to think my kids were all good money managers because of the money merit badge in Boy Scouts, but now I’m thinking it’s because they listened daily to Larry Burkett for three years!

    I taught Bible study a few times using his books–the workbooks were the only cost and they were under $10. I’m so grateful to him. Our spiritual/financial life is much stronger because of that godly man.

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  39. OK, Mumsee.

    When we lived in WA 25 years ago, Medicaid would not pay for the baby unless the mother named the father on the birth certificate–and then they went after him.

    You probably should see an attorney and find out the girl’s rights–and the father should be notified he’s up for child support.

    Has she visited the local pregnancy counseling center yet? Clothing, supplies and advice would be available–though I’m sure you know a lot of this already.

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  40. The Finns–are here with a language camp program called Trycamp. They go to class 9-12 and then activities in the afternoon until 5. The goal is for them to improve their English by living with a host family and attending these classes, plus get a taste for American culture.

    They’re cooking dinner tonight. That, and teaching me to count in Finnish is my share of the culture. 🙂

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  41. I donated $100.00 for a scholarship to be given for someone who needed to take the course my church was sponsoring this past year. I do not know who the recipient was, but I felt it would be a good way to help ‘show a person how to fish’ rather than ‘giving a person a fish.’

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  42. Furry, that’s my category. Up for another coyote post? Nah. I thought not (though one did come in through a pet door in a city nearby, left with one dog, other requiring $2,000+ In surgeries — and the family’s kitchen covered in blood.

    Porch light gets installed btwn 9 am and 1 pm tomorrow.

    Washer is running and I’m enjoying another hour or so sitting on the front porch, cool breeze blowing (flowers waving in the wind as it the US flag flying from a historic white Craftsman house 2 doors away), continuing my trek through Sproul’s What’s in The Bible survey

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  43. Roscuro, Ramsey wouldn’t be successful in that field, but he would likely be successful somewhere else. Selling a product or service that helps people is a good thing . . . even if the person who sells it also profits. It’s a bad thing if you are cheating people (promising what you can’t deliver) or forcing them into overpayment (the Epi Pen comes to mind), but charging for a useful service and making money off it is what most of us do. If someone feels like they can’t afford his services, they can ask for help to pay or do without. By the testimonials, most people who have gone through the program find the money “repaid” and worth it.

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  44. Michelle, the international students in our public universities subsidize our lower tuition fees. I realize that it is frustrating for your daughter to not get into a program she wants, but I have always regarded being refused entrance as guidance. I applied for Midwifery before going back into Nursing, and did not get in. I applied three days after the application deadline for a bridging nursing program that I knew always had long waitlists and got in. So I proceeded, in spite of the debt I knew I would incur*.

    Note: For all those of you who thought Mumsee’s daughter’s debt is $100,000, if you read Mumsee’s comment again, you will see that her daughter’s debt is almost $20,000. Mine is over $20,000 – as expensive as my program was, it was only three years and I received grants due to my low income status, and it was in nursing, not in medicine, which is cheaper than medicine. Also, thankfully, unlike the U.S., student debts are not sold to loan collection companies here, meaning I am not going to end up paying my debt twice over in fees by loan sharks.

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  45. Wesley and I listened to a lot of Christian radio so we sometimes heard that program, Michelle. He was a business man in Gainesville, GA, north of Atlanta. Our most recent former governor is from that town, too.
    Here is an old video that may be of interest.

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  46. Cheryl, the irony is still that he went bankrupt as a real estate investor and really only became successful by selling financial advice. Also, if one reads that article through, it becomes clear that he grew up having ties to the financial world which he used for his benefit.

    In my training, we learned a lot about what is sometimes termed ‘social capital’ and how it affects the health outcomes of our patients. It means having not just money, but also connections in order to stabilize oneself economically. Needless to say, the poorer have less social capital and thus are more vulnerable to poor health outcomes. Ramsey had that social capital – he is not an entirely self made man. Had his life circumstances been different, he would not have been able to even consider investing in anything in the first place. That is why, in this world, the rich get richer, and the poor get poorer. It is not just in what you do, but also in who you know.

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  47. Oh I greatly liked listening to Larry Burkett every day. He had an easy way of explaining finances and being good stewards of what we have been given…whether that be much or little. We taught those scriptural principles to our children. Some of them listened better than others 😐… only one has debt and she has always been an “instant gratification” human. She’s the one who wanted “Bernie” as President…..

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  48. Disclaimer: I’ve read a little of what Dave Ramsey has written, but have not taken his Financial Peace University course, which has been offered several times in the past at our church. (I didn’t attend mainly because I didn’t want to go alone, and my husband couldn’t go because the course has always been offered on a weekday evening, which is when my husband is at work.)

    One of my church friends who did take the class, though, made a thought-provoking comment. She said that she believed he offered mostly sound advice, but she was concerned that the unspoken message was work, work, work, almost to the point that getting yourself out of debt, no matter how much it took you away from your family, was the top priority.

    Maybe the course has been tweaked some in recent years to avoid giving that appearance, but my friend is a smart woman and caring wife and mother, and when someone like her makes a comment like that — that someone could easily be misled into neglecting one’s family in an effort to get rid of debt as fast as possible — then that’s something to pay attention to.

    Workaholism; declining health from never taking a break; deterioration of relationships; making a god out of debt reduction… I’m not saying DR’s philosophy is leading to those things, but it’s something to be wary of whenever a fallible human is putting forth a series of (non-negotiable?) must-dos [before you can relax and…whatever].

    My mostly-uninformed $.02.

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  49. I read Roscuro’s article about Dave Ramsey. There is prominent mention about the importance of one’s work ethic.

    Thing is, some of the hardest workers I’ve ever known have struggled financially.

    Kind of a slap in the face to those who have labored tirelessly for many over a long period of time, but never had the advantages that others may have had handed to them through circumstances that weren’t the same as some of those hard workers had.

    I don’t like the look-at-me, follow-my-approach-if-you-want… financial ease.

    Some will never have it, and it’s not a blot on the character of those hard workers who won’t.

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  50. Christian financial advisors are always in danger, when they mix Scripture with financial advice, of propagating a subtle form of prosperity gospel. There is an unavoidable message, in giving financial advice, of “Do this, and you will be successful.” The Bible is not a self-help manual, and using it as one, whether in the area of sanctification or in the area of finance, is misusing it. The Proverbs are wisdom literature, making cogent observations about life, not a rule book for success – the Proverbs were never part of the law. Besides, if one were to truly follow what the Bible has to say about finances, one would not be observing modern financial mores, which never forgives debt and always charges interest (see Deuteronomy 15:1-11, 23:19-20).

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  51. 6, yes, I shared that article because on the surface it endorses work ethic as the key to success, but a more careful reading shows that Ramsey was not entirely self made, for example, this quote: “As a result of having a few family connections at local banks, Ramsey was able to secure financing for his deals.” Incidentally, he promptly went bankrupt when one of the banks was sold to a owner who knew not Dave and called in the loan. As I said, it is also about who you know. Even his first financial advice customer came through personal connections at church.

    My father worked hard, long hours all his working life. He and my mother paid off loans as soon as possible, but even then, the fact they were able to fully own their own home came from whom they knew, specifically, my mother’s parents, who lent generously to each of their children in turn as they started out in life. The loans were without interest, of course, so the children paid it back in full, and then the next one who needed it was given it. But when my parents reached the point when their adult children began independent life, the cost of living had skyrocketed and houses moved out of any kind of reasonable price range (the last time the house next door sold, it was bought for $400,000). My parents had only their pensions to support them, as my father lost his job, because the company was no longer willing to invest in a worker of his age, just as I finished my first nursing program. They could not help us out the way they were helped out, and even if they could, the loan amount they received from my mother’s parents would not have gone very far in today’s economy (it would not have paid my student debt off, for instance). Both they and we live from hand to mouth, and when any financial crisis comes up, they go into their line of credit and slowly pay it off. No sooner do they get one paid off than another crisis arises, it seems. But we know no wealthy people, no highly successful people. We are working class, and so is nearly everyone we know. The few middle class people we know seem to have no conception of what it is to have very little social capital and no room for error in finances – the family Second used to work for as a nanny for instance, did not understand what a burden it was when their failure to properly account for her income deductions resulted in her having to deduct it herself from her slender paycheck.

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  52. I started listened to Ramsey’s radio program and read Total Money Makeover over 10 years ago, and attended Financial Peace University in 2010. I’ve never heard the message that you need to work, work, work to get out of debt to the neglect of family or other responsibilities. What I did hear was advice to be focused and intense in dealing with debt, not to half-heartedly play around with it. Families can be drawn together by the shared goal and effort. He also stresses the importance of both spouses being on board and working it through together.

    He does often suggest picking up a temporary second part-time job where possible, but as a short-term sprint, not a long-term lifestyle.

    The class is nice because you get the support from working it through with other people who are or who have been in the same place, and the video presentations are engaging.

    But you can “do Ramsey” without the class by reading Total Money Makeover (used copies available cheap on Amazon) and listening to the radio show. At the back of the book are some of the same forms you get in the class to help with planning and tracking.

    He can be kind of flippant and abrasive when talking with someone he thinks isn’t serious, and sometimes I don’t agree with his advice in specific cases, but I think his approach is sound. The way he breaks it down into a progression of “baby steps” makes the process less overwhelming.

    20 years ago I also used to like listening to Larry Burkett. Very different style, same Biblical principles in dealing with money.

    Liked by 2 people

  53. A lot in life does depend on who you know is correct. When people get into a bad peer group, or even a gang, they can spiral down quickly. If people have the right personality, right looks, and enough money then they can fit into more groups that will benefit them in many ways. The church is not suppose to be that way (per book of James) but it does work that way in many churches. One we attended planned to have a formal Valentine’s dance. It was at a point when I had no money for anything but necessities. That was when I realized we were at the wrong church.

    Liked by 1 person

  54. I worked a temporary second job to make money to cover the expense of my wedding. I worked at J.C.Penney’s downtown collections department. Once when I called someone about payment I advised the person that they might consider working a second job like I was to make payment on their debt. I was very frugal in putting together our small chapel wedding and dinner afterwards.

    Liked by 1 person

  55. I’m enjoying the header pictures, Janice. Beautiful colors! And, yeah, I saw that caterpillar, too — glad he’s on the screen and not on my skin. 🙂

    Liked by 2 people

  56. Hard to believe 2nd Arrow’s due date is next week!

    My hubby is the giver of nicknames. Has been since his childhood. Most of his sibs have nicknames, probably all of them given by hubby.

    So it’s not surprising that unborn granddaughter already has a nickname. Hubby wonders often when Potato is going to make her appearance. 🙂

    Liked by 3 people

  57. One more Spud!♡
    I hope it is a Sweet Potato! Or a Sweet Spudato!
    Nicknames are fun. I couldn’t say Brother so he was known as Bubber often thought to be Bubba except that my Aunt called him Bubbles which he hated. Maybe I need to start calling him that sometimes. No, better not.😀

    Liked by 2 people

  58. 6 weeks and 13 pounds! 1st Arrow grew like that — he was 14 lbs. 11 oz. at his 2-month check-up. (Which was 6 lbs. 5 oz. over his birth weight.) I never knew a kid could grow like that!

    Liked by 2 people

  59. Screaming in California!

    Stargazer has a job offer he will “probably” accept!

    He’ll be in San Diego–which is just as far away from me as Seattle–but close to relatives.

    I’m so thankful. Though it’s too bad he has to leave Seattle.

    Rejoice with us. And thank you for years of prayer.

    Liked by 7 people

  60. Responding to a few things.

    The current photo: I didn’t know what to make of the flower until I read that it is upside down. But I did notice the caterpillar right away.

    re: playing piano “by ear”. It would be awkward, especially since it’s hard to see which keys you’re playing when your head is sideways. Use mirrors?

    re: baby nicknames- My sister and her husband wanted a name that wouldn’t get shortened or one without a diminutive, like Michael to Mike or John to Johnny. So they chose Levi. When he was born, the doctor asked his name. On hearing it, he said, “Hello Lee! Welcome to the world.” My sister cringed.

    Liked by 3 people

  61. Oh, and Chas- we sometimes get past your age with post numbers, especially on days like this with lots of comments or when we hit 100. This is #83, for instance. So 89 is just around the corner.

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  62. We did some Larry Burkett stuff, it was very helpful.

    Several of our children had at least a touch of Dave Ramsey to help solidify their thoughts on finances. Very helpful.

    One was able to do quite well with DR and passed those lessons on to daughter living in Okinawa. She is generally following that and getting her student loan debt and her husband’s taken care of.

    This daughter is an impulsive spender. She received a stipend from my dad as well as room and board. I had asked him to put it in the bank for her rather than just pay her but who can tell a dad what to do? It was more than she could handle. Then she made poor decisions on friends and found people who were happy to like her if they could spend her money. They were “students” on their parent’s dollar, though most did not actually attend school. Mostly a bunch of potheads or worse. She had to follow along so she could fit in and made up outrageous tales to impress her family. Anyway, she blew through the money she was given, any money she earned, and any other money. And banks and stores continued to give her loans and credit. And some medical bills and a vet bill. All of which she ignored so she could spend and give money to her “friends” so she could impress them.

    Ideally, she would pay it all back. That is what we are working toward but first we wanted to get her drug and alcohol and vaping free. She has the teeny tiny job. IF she completes the CNA course, jobs are available. That will help. But getting her to the Financial Peace U would be a good idea as well. We have talked a lot with her about it, and have given her the general ideas, but hearing it herself (along with the pep talks) would be a good idea.

    She was unable to get her license back today. The office told her it was still suspended, a call placed to the county where the infraction took place said it had cleared, but it has not made it through the system. That is fine. Now to figure out what things pregnancy Medicaid will pay for.

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