First of all, we refinanced our home in December 2009 and have an incredible rate of 4.75% for a 30 year fixed mortgage. I was happy with that and never intended to touch our mortgage again. However, that changed last week when I received a call on my cell phone.

A representative from Amerisave.com called and began talking to me about refinancing. Apparently, they still had my information from two or three years ago when I was interested in a refinancing our mortgage. Todd (the rep) told me that rates were even lower now and sent me a “personalized quote”. I looked at my Droid and found it in my Gmail spam folder. I clicked on the link and I am able to obtain a 30 year fixed mortgage with around $1800 in credits. If I were willing to pay for closing costs, I could have an even lower rate.

The questions that I continue to run through my head are: How much will the closing really cost? Will that $1800 in credits cover it? How much deviation could there be from those estimated costs that they provide on the website? I understand that escrows are in addition to the closing costs, but those should pretty well wash when we get our escrow back from our current mortgage company.

Does anyone have any feedback of suggestions? Are the specific questions that I need to ask that will help me catch any shell games that may be happening? I know this is a high pressure industry and they’re pushed to sell. However, if I can get a “no cost” refi am I truly getting a no cost refi?

Straight up –11-4
Against the Spread – 9-6

College

South Florida @ Florida (-18.5) Gators have to bounce back this week after poor showing in the opener. FLA – 35- South Fla – 10

Georgia Tech (-9.5) @ Kansas – Wow Kansas looked HORRRRIBLE. GT-28- KU -7

Georgia @ South Carolina (-3.5) Early SEC Matchup…gimmie the ol ball coach. SC- 21- GA -17

Idaho @ Nebraska (-25.5) – Wake up call for Huskers before they head to Washington next week. Nebs – 35- Idaho – 21

Florida State @ Oklahoma (-8.5) – Sooners were sleepwalking last week waiting for this game. OU – 42 – FLA St – 28

Iowa State @ Iowa (-14.5) – The Battle of the cornbelt….Gimmie Herky!. IA- 28- ISU – 10

Michigan @ Notre Dame (-4.5) – might be the most interesting game of the day. MICH – 45- ND- 41

Miami (FL) @ Ohio State (-10.5) – Too tough at the horseshoe – Bunkeyes 24- MI – 21

Penn State @ Alabama (-13.5) – Roll Tide! Bama 31- Penn St – 14

Oregon (-8.5) @ Tennessee – They won’t score 70 this week but it will be enough – Ducks – 35- Tennessee – 20

NFL

Vikings @ Saints (-5.5) – Just like last year, Who Dat!?!?!? Saints 30- Vikings – 17

Oakland @ Tennessee (-6.5) Titans are way better dan da raiders….Titans 28- Raiders 10

Atlanta (-2.5) @ Pittsburgh – Steelers Defense wins this one. Pitt – 17- Atlanta 14

Baltimore @ NY Jets (-3.5) Revis Island won’t matter against the much improved Ravens attack. Balt – 21 Jets 14

Martin Kelly tried his hand at short story writing with The Bomber Pilot.  I like it – give it a read.

My Rockies swept the division-leading Padres over the weekend and nabbed a win against the Reds on Monday.  They are now just 4 1/2 games back in the NL West, thanks to an 11-4 record over the past 15 games.  The Padres have been free-falling as of late, and the Rockies might find themselves battling the Giants (whom they trail by 3 1/2 games) down the stretch.

Carlos Gonzalez has 10 hits in 19 at bats during the 4 games, boosting his league leading batting average to .340.  He trails NL home run leader Albert  Pujols by 4 homers and RBI leader Joey Votto by just a single RBI.  A hot stretch by CarGo would give him a legitimate shot at becoming the first NL player to win the triple crown since Ducky Medwick in 1937.  That year, Medwick paced the senior circuit with a .374 batting average, 31 homers, and 154 RBI.  If Gonzalez does win the triple crown, many people will point to his huge home/road splits.  However, as has been point out several times in the past, Coors Field boosts a typical player’s OPS by about 120 points.  The 450+ point differential enjoyed by CarGo must be due to some non-physical factors.

Today is the day that CarGo’s teammate Troy Tulowitzki will officially become one of his closest pursuers for the batting title.  Due to injury, Tulo falls just short of the threshold for plate appearances required to qualify for the batting title.  After yesterday’s game, Tulo had 424 plate appearances and the required number of PAs was 424.7.  4 plate appearances in today’s game will make him an official qualifier.

Rockies ace Ubaldo Jimenez finally notched his 18th win on Monday, in his 6th attempt.  After roaring out of the gates to a 14-1 record by the end of June, Ubaldo has run into a bit of a rough stretch, going 3-5 with a 3.98 ERA in the second half.  It hasn’t all been his fault, though.  he has lost the opportunity to win several games because of offensive struggles or bullpen woes.  In the 5 games prior to Monday, Ubaldo was 0-4 with a very good 3.00 ERA.  On the other hand, the offense has taken him off the hook in some games where he hasn’t been at his best (such as yesterday, when he gave up 4 early runs), so I suppose it all balances out in the end.

In NFL news, the Arizona Cardinals parted ways with quarterback Matt Leinart.  The Cardinals expected Leinart to be a cornerstone for them to build around – but in reality, he simply delayed their success by keeping the ball away from Kurt Warner.  Warner retired after last season, meaning that the Cardinals head into the season without their top two quarterbacks from last season.  Derek Anderson will be the starter and will be backed up by rookie Max Hall.

Jets cornerback Darrelle Revis finally ended his holdout with the Jets.  I don’t begrudge professional athletes their money (are they overpaid?), but I despise holdouts.  A contract should be respected as a legally binding agreement.  So what if you outperform the contract – you agreed to a salary and should stick to it.  If you think you’re going to outperform your contract, just sign a one year deal with a tiny signing bonus in anticipation of cashing in with the next deal.  Interestingly, there’s a posion pill in the contract.  Id Revis holds out in the next few years, the 4 year deal becomes a 7 year deal – with the final 3 years at low salaries.  Sure, you might say that a player could still hold out anyway, but this posion pill gives the team considerably more leverage, as the player cannot negotiate with any other team while they are under contract.

Forty four hours since they had taken off and just one hour way from home. Captain Andrew Decker was proud to be the pilot of a B-2 Spirit Bomber. Major Walter Hampton was his commander sitting in the left seat for this leg of the mission. They had been the flight crew for take off, the bombing run and now for landing. Captain Zachary Wetherby and Lieutenant Catherine Miller were the second crew sleeping after their trans-pacific effort.

Andrew loved flying and loved being part of the strategic bomber command. All those hot shot fighter pilots might get the girls, but he was home four nights a week in the loving embrace of his wife Rosalyn (Rosie) and playing with his kids, Emily and Andy junior.

Forty five minutes out. “Call for clearance, then wake them up,” Major Hampton ordered. “Little Rock, Spirit of Ohio, forty five minutes out, requesting clearance,” Andy broadcast. “Ohio, ping IFF,” was the instant response. Andy activated the identification device. “Ohio, we confirm, clear runway four nine, you are next in line, no traffic.” “Roger runway four nine, g’day.” Andy switched to the intercom, “Wake up, we are home.” Andy didn’t hear the groans from the sleeping area as they sat up and fastened their harnesses. They still had to de-brief before finally getting home to sleep. Cathy was single and lived in the single officer’s dorm, Zach was on deployment, his family was in Dover, Delaware. Andy and Walter had taken the last leg to be awake when they got home.

Andy remembered a Navy story of a sailor coming home after a long deployment. His letter home was “you had better meet me at the dock with a mattress strapped to your back.” The response letter was “you had better be the first man off the boat.” After two day missions, Andy felt the same way.

They landed and got through de-brief. The mission had been perfect. The target was verified destroyed, there was no politically incorrect collateral damage, and for once, the French agreed with the target. Andy had called home as soon as they had landed, and again after de-brief, but there was no answer. Rosie must have been getting Emily from school. They could never plan his return since is take off and landing schedule were classified. Oh, well, he would just surprise her.

The drive across the base to married housing was quick. Kids were out playing, other air force jockeys doing their things. Rosie’s car was parked in front of the house, she must have just gotten home. Well if she listened to the messages, she knew he was back, no surprise. He parked the bright yellow Corvette next to the little blue Prius and hopped up the steps of the front porch.

The front door was slightly open. That was odd, he would have expected it if the kids were out front playing, but they were inside. He pushed it open and called out in a booming voice “DADDY’S HOME!” There was no response. He didn’t smell supper cooking, didn’t hear the kids. He walked through the house to the kitchen and looked into the back yard, not there either. Maybe they were next door with the Wilson’s. Rosie and Jackie were best friends and the kids were about the same ages. Andy decided to clean up a bit before heading over. He went to his bed room taking off his flight suit as he walked. At the door to the bed room he stopped.

Rosie and the kids were lying on his bed. They looked like they were sleeping, but Andy knew that they were not. The spread was soaked with blood. It took him a long time before he could move, then suddenly he rushed into the room and scooped his wife up in his arms. He held her lifeless body against him, her blood soaking his flight suit and shirt. He stood, holding her and crying. He didn’t notice as his body slowly sagged down and he set her back on the bed.

When his world came back into focus, he had to do something. He ran next door and started pounding, screaming for Jackie. Jackie’s smile flickered on when she saw him, then off when she saw the blood. “Andy what has happened?” “They are dead, they are all dead,” he stammered between sobs. Jackie backed up and grabbed the phone. She called the base police without taking her eyes off of Andy. As calmly as she could, she told the dispatcher the address and that she believed that three people had been killed.

Andy just stood there, shaking and sobbing. He had been out protecting his country and he had not been there to protect his family. His energy gave out and he collapsed on Jackie’s porch.

When he awoke, he was in a hospital bed, clean, and dressed in a hospital gown. There was an MP outside the open door and a Colonel sitting next to him. “Welcome back Captain.” “Yes, Sir, have you found out what happened to my family?” “We thought that you might be able to fill us in on that Captain.” “I walked in, saw them…” he sobbed, “I tried to pick up my wife … hold her…” Andy started to cry again. “Hm, Captain, please control yourself. We would like to know what happened during the hour between your debrief and you arrival at the Wilson front porch?” “What do you mean? It was only a couple of minutes.”

“Captain, we understand the stress that missions can cause, we are just trying to determine what happened.” “I told you, I walked in and found them,” there was some desperation in his voice as he realized that the Colonel was suggesting he had killed his own family. The Colonel leaned close, “Captain, there was no forced entry, the knife was cleaned and in the sink, and the time of death matches when you were there. What happened?”

Andy realized then that the killers had heard his message. They had killed his family as he pulled up. He had warned them so they could get out the back door. He was now the only suspect.

As a way to celebrate the launch of the new project, I am giving away copies of  Selling Yourself Short: A Guide to Short Story Writing.  Go ahead and pop it into your cart, and you will be charged $0.00 for it when you check out.  There are no strings attached – other than the fact that it is a limited offer.

OK, so you’re curious what the new project is.  I suppose it’s time to eschew the secrecy …

I would like to cover the big national stories from the viewpoint of those who are near the action.  My goal is the build a network of contacts that will be able to cover all 50 states and a few foreign countries.  I’d like to get multiple contacts in larger states such as California and Texas and will try to utilize people for regional coverage when I don’t have a contact in the specific state.  For example, if I don’t have a contact in New Hampshire, I may look for my Vermont contact to provide an article.

When a big news story (hurricane, crime, etc) hits in your state, you would write about it – giving the local flavor to a national story.  If you’re a niche blogger, this could give you the opportunity to write about a news issue that might not fit within the constraints of your own blog.  (Yes, Evan, I’m referring to you).  If you’re not actively writing for public consumption, this could be an opportunity to stick your toes in the water and see if people enjoy your work.

In addition to people covering “hard” news, I’m also looking for people who attend big events – The Kentucky Derby or the Super Bowl, for example – to give our readers a firsthand account of these events.  I have a special interest in the Olympics and Olympic Trials.

Note that I don’t expect you to be interviewing those affected by the news (unless you happen to personally know some of the affected people), but rather, the goal is to give a local view of the story based on your years of life experience in the area.

The program is still in the launch phase and subject to change, but at this point, I’m thinking of referring to the group of reporters as “Locals”.  Feel free to suggest alternate names (shorter is better).  I will be creating a page that lists all of the reporters, including a link to the site of their choice.  I will be actively pursuing several specific individuals, but many opportunities remain open.

Here are the basics of the opportunity:

• You may use your real name or a pen name.
• I wouldn’t expect to use any particular contact more than 1-2 times per year – if at all.  If there is no big breaking news in your state/area, you won’t be called on.
• When you are contacted, you should be able to reply with an article within 48 hours (before the story fades).  The quicker the response time, the better.
• I’m looking for more of a “man/woman on the scene” sort of angle to the stories.  I’m not looking for a heavy political slant, although reporting on how the public feels about the issue is fine.
• Articles should be in the range of 500-1500 words and should be entirely your own work.  Plagiarism is strictly forbidden and will result in you being permanently removed from the program – zero tolerance.
• The opportunity will be generally unpaid, but I’ll be happy to link to a site that you run (must be family friendly).
• If you hand me a scoop that gets considerable traffic and ad revenue, I will pay you for the article.  The amount will be based on the revenue generated.

If you’re interested, shoot me a line at kosmo@observingcasually.com.  Please include a short sample of your writing.  The writing sample can be on any topic – I just want to ensure a certain level of ability.  If I think you’re a good fit,  I’ll add you to my list, and then you simply wait to be called into action!

If you have family or friends who may be interested, send them a link to this article.  Many thanks.

Interestingly, some players actually throw a bit harder after the surgery (for a few years) than they did previously – so Strasburg’s fastball might have a bit more kick when he returns.  (Some nut job parents have approached doctors requesting that the surgery be performed on their healthy sons, simply to get this benefit).  While this is obviously a setback for Strasburg, I’m confident that he’ll return as strong as ever in time for the 2012 season.  MLBDepthChart.com has put together a Tommy John Tracker that will track the progress of those slated for the operation.

If you’re in a “keeper” fantasy league and Strasburg’s owner drops him, I’d suggest snapping him up for the long haul.  Similarly, if you can make a trade for pennies on the dollar, go for it.

My Rockies have been alternating hot and cold streaks.  They faced off against the Phillies on Thursday.  A win would have allowed them to climb within 4 ½ games of Philadelphia in the wild card race.  The Rockies got out to an early 7-3 lead, but ended up losing the game 12-11, slipping to 6 ½ games out of the wild card race.

At this point, there seems to be little hope of catching the Phillies in the wild card – but I’m not convinced that the Rockies are out of the division race.  We’re 7 ½ games behind the front-running Padres – but the Padres have been in a free-fall recently, losing seven straight games.  The Rockies began a 3 games series against the Padres on Friday night (after this article was written) – and a sweep would pull the Rockies to within 4 ½ games on the division lead.  A Padres sweep would likely close the curtain on the Rockies’ playoff chances.

If you haven’t been paying attention to Carlos Gonzalez, this would be a good time to start.  CarGo launched his 31^st homer (“car bomb”) on Thursday night.  He leads the National League in batting average (.332) and slugging percentage (.610) and is 5^th in homers.  It’s possible that a hot September could push CarGo to the lead in homers and RBI and allow him to be the first NL triple crown winner since Ducky Medwick.

CarGo has dramatic home/road split (.391 with 24 homers at home vs. .275 with 7 homers on the road) but you can’t just point to Coors Field as the source of his numbers.  Overall, Coors has tended to add about 120 OPS points to a player’s numbers – CarGo’s 2010 differential is nearly 500 points.  I hypothesize that a large mental factor comes into player that allow some players to amplify the effects of their home park and other players to consistently underperform expectations (such as Ryan Howard of the Phillies, who has roughly even career home/road splits despite playing in a hitter’s paradise).  Whatever the reason, a player who can be absolutely dominant in half the games provides considerable value to a team.

Gonzalez’s teammate Troy Tulowitzki sports a .319 batting average, but you won’t see him listed among the league leaders.  That’s because an earlier  injury cost him playing time and is causing Tulo to fall just short of the threshold to qualify for the batting title (3.1 plate appearances for each game his team has played).  Tulo is currently 8 plate appearances short, so expect him to pop up on the list soon.

You might wonder what would happen if a player had a much higher batting average than anyone else in the league, but fell just short of the threshold – would he be denied the batting title?  Nope.  In these cases, “empty” at bats are added to a player’s totals to determine if he is the champion.  For example, Tulowitzki has 114 hits in 357 at bats, for a .319 batting average.  If the season ended at this point, we’d add 8 at bats (and no hits) and recalculate – 114 hits in 365 at bats, for a .312 batting average.  If this was the highest batting average in the league, Tulo would be the batting champion.  If someone else had a .313 batting average, he wouldn’t be the champion.  In either case, he would still be credited with his actual .319 batting average.

The Iowa State Cyclones kicked off the football season on Thursday night against Northern Illinois.  The Cyclones looked good at some point and bad in others.  It was a definite must-win game for a team facing the schedule from hell.  We face road games at Iowa, Texas, and Oklahoma – and face Utah in one of our pre-seasons games.  It’s possible that the team would be better than last year’s 7-6 squad, but emerge with a worse record.

And in my own backyard, the University of Iowa (in-state rivals to my alma mater) locked up head football coach Kirk Ferentz through the year 2020.  His base salary starts at $3,675,000 and he get a longevity bonus that starts at $325,000 and increases each year.  I think Ferentz is a great coach, but this makes no sense to me.  These sorts of deals just give a false sense of security to the fans of the team.  The coach can still bolt for a better job at any time.  The only thing that it really does is make it impossible to fire a coach if things head south – because the school is on the hook for the entire value of the contract.  Hopefully Ferentz will still be around in 2020 and this will be an academic issue.

The plane had been aloft for ninety minutes. It was cruising effortlessly over flyover country. Half the passengers were trying to get some sleep. The other half were reading books, solving Soduku puzzles, and goofing around on laptops.

Austin walked back to his seat, grabbed the empty duffel bag from his seat, and walked purposefully toward the front of the plane. When he pulled aside the curtain that separated first class from the unwashed masses, people finally noticed.

“Hey, you can’t go up there,” protested a flight attendant as she walked swiftly toward him. The dozing passengers began to wake up.

Austin pulled the pistol from the duffel bag and leveled it at the flight attendant. She stopped in her tracks, and Austin could sense the heightened level of anxiety aboard the plane. Austin could see the puzzled look on her face – wondering how he managed to sneak a gun aboard the plane.

“Come up here,” Austin commanded her. When the woman hesitated for a moment, he nodded toward the gun to remind her of its presence. This reminder was effective, and she quickly joined him at the front of the plane.

“OK,” he shouted. “This is how things are going to work. Tiffany, here –“

“Tessa,” interrupted the flight attendant,

“Tessa,” he continued, glaring at the idiot, “is going to walk through the cabin with my bag. Each of you will simply drop your wallets and jewelry into the bag. When we’re done, I’m going to leave, and nobody gets hurt.”

“Bullshit,” yelled a burly man in the middle of the plane. “You’re not getting anything from me.”

Austin turned the pistol toward him. “I’ll get it from you, dead or alive. Your choice.”

The man’s companion spoke up. “I think he’s serious, Merrill.”

“Yes, Merrill. I’m serious. Dead serious.”

Merrill slunk back in his seat and Austin tossed the bag to Tessa.

“Go,” he growled. “Start at the front.”

Tessa began the process of collecting wallets and valuables from the passengers. Austin kept one eye on her while keeping the other eye on the rest of the plane – watchful for anyone else who wanted to be a hero.

“Hey, necklaces, too,” he said to a woman with a diamond broach around her neck. The woman clutched the broach and gave a wistful look before complying with his request.

When Tessa reached the back of the plane, Austin strode down the aisle and jerked the bag out of her hands. He took a quick glance into the bag and smiled appreciatively at the size of some of the diamond rings. This would be a very nice haul.

“OK,” he said, “the emergency door. Pop it open.”

“We can’t open it in flight,” protested Tessa.

“Yeah, you can,” he replied, pointing the gun at her. A few minutes later, the door was open and Austin prepared to jump.

“Geronimooooooooooo,” he yelled, beginning his freefall. Austin was on cloud nine – in a few short moments, he would be on the ground with his treasure.

A few seconds later, Austin realized that he had forgotten one small little thing. His parachute.

Please see this story regarding John’s recent Twitter posting:

It’s no secret that I’m a Conservative with several Libertarian views. I have many friends with Liberal views although the majority if my friends share viewpoints that are closer to mine. None of my friends would ever go so far as to write something like this though. Additionally, I would never write this about MSNBC either.

So the questions that comes to mind: Where does free speech come to an end? Where does liability kick in? In other words, at what point does the right of free speech cease or at least become intertwined with liability for the actions of one’s self and others? We all know that free speech is no longer protected if those words incite a riot or are considered “fighting words”. In my opinion this is balancing very close to that exception. Cusack goes so far as to be almost specific in the actions. He hasn’t drawn out a plan, but it’s getting close. Naming specific people (targets) likely would convince many on a jury to find against him.

Consider if I were to post this: “I can no longer stand the liberal rants and view points of the Angry Squirrel. I can no longer stomach his naive and unfounded positions based solely on bleeding heart rhetoric and not fact. We need to have a satanic slaying at his home in Kansas City, KS on 9/11/2010.” OK, this is obviously not true and I would never wish any harm to come to anyone, especially the Squirrel. Now, imagine if anyone actually cared what I said…say I’m Tom Cruise (the head nut job), Will Smith or John Cusack. I would have rock star status, not IT Guy status. The point is, who is going to read a post and act? Probably only someone that was already nuts, but could this be what prompts someone? Should this be protected?

Eminem has dealt with similar issues with his music. There are questions being raised about Eminem’s latest work again (Love the Way You Lie) because of the domestic violence lyrics. I’m a rap/hip hop fan so I personally enjoy the music and don’t think too much about the lyrics. However, there are a number of people that do and some may be swayed by statements such as this. Where do we draw the line?

How about desecrating the flag which is a huge hot button of mine? Should we allow people to urinate on the American flag? How about burning the flag?

Yesterday we saw James Lee take over the Discovery Channel building and hold three people hostages over his extreme beliefs. What if this person was “encouraged” by someone like Eminem or John Cusack? Does that make him any less guilty? Does that reduce the guilt of the actor and impute some of that guilt on the person generating or spawning the idea? Accessories?

If I were the judge hearing these cases, here is how I would rule.

1. John Cusack would be found not guilty but my ruling would include that this is very close to inciting violence. If his post were any more specific (like mine was about the Squirrel) I think it clearly violates the free speech exceptions and he’s liable for the actions of others if they choose to follow his direction.
2. Eminem would be found not guilty as well. He doesn’t spell out specific plans or specific people. Will someone tie their girlfriend/wife to the bed and burn the house down because of his song? That is very possible.
3. The flag. The US Flag should be a protected symbol. It IS a symbol of our Country, our freedom and what our veterans have fought hard to protect. In my opinion this should clearly be an exception to the right to free speech because this WILL incite riots and the words/actions would be deemed fighting words.
4. James Lee (Had Lee survived) – Sorry, you will be locked up until such time that we can generate enough electricity to kill you…slowly; or until your fellow inmates take their own wrath upon you and your idea to sterilize the people of the world. You’re a disgrace to your family, people sharing your view and you will give people like me less reason to embrace your environmental ideology. Guilt of the accessory or the instigator would depend on what actions/discussions had taken place but there would be a good chance I would see them as guilty too.

I’m interested in other people’s reactions to this. Let me know!

Squeaky…

It turns out that we do not have to look very far to find the answer to that.  According to CNN, Mr. Lee has a bit of a history with The Discovery Channel.  He is an environmental protestor who has been very critical of the network on his website.  Lee considers mankind to be “filth” and his manifesto demands that The Discovery Channel “stop encouraging the birth of any more parasitic human infants.”

We all know how this story is going to end.  There is no “good” ending.  The best possible solution – the one that everyone is hoping for – is Lee being dragged away in cuffs and traumatized hostages heading home to spend time with their loved ones.

But surely the publicity Lee gets from this terrorist action will bring publicity to his cause, and make the country think more seriously about the effect mankind has on the environment, right?  Before long, everyone will be making a concerted effort to cut pollution, and the world will be a better place …

Of course not.  Lee’s action’s will actually create a backlash against all environmentalists - both extreme and moderate.  His actions will be counterproductive and will serve to stymie the efforts of those organizations attempting to pursue policy changes in a more civilized manner.  I agree with Lee’s broad viewpoint that it would be good if people were to reduce pollution – but I vehemently oppose his tactics.

You may be able to brandish a gun and force your hostages to do what you want them to, but the gun will not force a civilized society to place any more weight on your words.  In fact, much the opposite.  Not only is the pen mightier than the sword, it is also mightier than the gun.  The strong are those who can convince others that their opinions are current simply by speaking or writing about them.  Only the weak have the need to reinforce rhetoric with violence.  The rule of law trumps the rule of violence.  We have elections in this country, not duels.

As the saying goes, “you are only as strong as your weakest link.”  Those who use violence to push their agenda do more to undermine it than those who simply oppose the rhetoric with words.  We see this sort of pointless violence far too often in the world today.  Instead of inflicting violence on those who oppose us, let us instead beat our swords into plowshares.  Let use make the conference table the first choice of battlefield, rather than the last resort – and let us push the extremist elements to the sidelines.

There’s a “lady” in my neighborhood who takes her dog for walks.  This is hardly unusual – there are a number of folks in the neighborhood with dogs.  This person stands out because of her unwillingness to clean up after her dog.  I’ve spotted the dastardly duo on neighbors’ lawns a number of times, but never in time to pop my head out of the door to remind her of her duty.  On occasions, there have been droppings on my own lawn, and while I don’t have concrete evidence to prove who the poopetrator is, I have a very good idea.

I’m not a “dog person”, but I have nothing against dogs.  What I do dislike is having dog poop on my lawn.  If I wanted dog poop on my lawn, I’d have a dog.  If you’re going to have a dog, you need to be accountable and clean up after your dog.  Even if this isn’t against the law in your town, this is just basic common courtesy to your neighbors.  Don’t be surprised if you gain a very negative reputation and that your neighbors become hesitant to pitch in when you need help with anything.  You show a complete lack of respect for their property - why should they lift a finger for you?

Bristol Palin

When the next season of Dancing With the Stars kicks off, the dace floor will feature luminaries such as Kurt Warner, Florence Henderson, and Bristol Palin.  For the last couple of years, we have been privy to the love/hate relationship between Bristol and Levi, with occasional commentary from Bristol’s mom.  Allegations have been made that Levi was trying to extend his 15 minutes of fame and would do anything to stay in the spotlight.

That might be the case, but Bristol is hardly staying in the shadows.  For a few months, she was working as a receptionist at a dermatologist’s office.  More recently, she has found more profitable work.  She travels around the country promoting abstinence.  There’s certainly nothing wrong with spreading that message.  The $15,000 – $30,000 fee she receives for each speaking engagements also helps build a college fund for Trigg.  Bristol also appeared on an episode of The Secret Life of The American Teenager.  Now, Dancing With the Stars.  What next – a regular gig on The View?  Is this a family trying to lead, or a family trying to achieve fame?  I was recently discussing Sarah Palin with a staunchly conservative friend of mine who commented “she’s not the leader of MY party.”

Privatizing Social Security

The last item might lead you to believe that I’m a hard core Democrat, but this isn’t the case.  I do lean left on quite a few issues, but I’m an unaffiliated voter who also agrees with Republicans on a lot of issues.  One of these issues is privatization of Social Security.  When Bush proposed this, I aligned myself with him and supported the idea – at least at a high level.

Those who oppose privatization – including lobbyists such as AARP – point to downturns in the market and suggest that those nearing retirement age could have lost substantial portions of their nest egg if they had invested in the market.  This is true – but it’s worth noting that you don’t need to invest in stocks to beat the return of Social Security.  Take a look at the rates of return for Social Security, according to a document on SSA’s web site.  The important table is table 1 (the second table in the document).  If you’re younger married couple at the medium earning level, you’re looking at a rate of return around 2.5%.  In comparison, 30 year treasuries are currently yielding upwards of 3.5%.  Is Social Security safer than treasuries?  Of course not -  both are backed by the US Government.  Essentially, the risk is the same.

NCAA Tackles Jeremiah Masoli On End Around

This one falls into the category of things that no longer grind my gears.  After being kicked off the Oregon football team for off-field transgressions, star quarterback Jeremiah Masoli transferred to Mississippi.  Generally, players who transfer must sit on year before they are allowed to play again (the year off doesn’t count against their eligibility). 

There is an exception that allows (but does not force) the NCAA to grant a waiver (making the player immediately eligible) if the player has completed his undergraduate degree and enrolls at another school in order to pursue a graduate degree in a major not offered by his old school.  This was the case with Masoli.  He is enrolled in the Parks and Recreation graduate program at Ole Miss – a degree not offered by Oregon.

Yesterday, the NCAA denied Masoli’s request for a waiver, saying that this type of waiver is intended to avoid hampering a student-athlete’s academic pursuits, rather than a way to avoid a punishment levied by his old school.  Good call, NCAA.