
I am a full-time copywriter. I truly love writing sales copy, web content, articles, translations, etc. Sometimes, though, I like to write for fun. Other professions rarely offer this opportunity...when was the last time you saw a doctor pulling out a stethoscope in his/her off hours? Writing happens to be what I like to do for fun...sometimes.
Wednesday, June 17, 2009
Krĭspē Krēm

Thursday, March 12, 2009
Rats, the Piper, and Sleeping Children

- The horrible circumstance of owning a used vehicle
- The even more horrible circumstance of owning a used vehicle that couldn't qualify as a tank in the US Army
- The shame of living in a house that didn't have at least 3 spare rooms
- The stress of eating a home cooked meal
- Vacations that didn't include a passport or snorkel
- The stigma of not owning a boat, quad, Xbox 360, or Plasma TV
Most of these things weren't really rats at all; they were pleasant, clean mice who minded their own business and led lives with integrity and values. But we begged anyone who would listen to us to get rid of those rats! This is where the piper came in. Instead of a guy with a flute, this piper was a wallet full of credit cards, home equity lines of credit, 2nd mortgages, etc. He saved the day...we got new cars, we drove them more than we should, we bought new homes that were way too big, we ate out in record numbers, and swam with the dolphins in Maui. Life was good.
But the Piper was on his way to collect his check. Coincidentally, and out of nowhere (allegedly), the markets took a hit. Home values plummeted, stocks were devalued, and jobs were disappearing. When the Piper got to town, the mayor (our beloved federal government) started talking with words like "foreclosure" and "short-sale" to scare the piper into leaving. The mayor promised things like "stimulus" and "bail-outs" to buy more time. All the while, the mayor was out talking to more pipers (namely China and foreign bond traders) to try and get rid of more rats (or save them, in the case of Nancy Pelosi - see the salt marsh harvest mouse).
What a mess. It's time to pay the piper! Rather than pay what we owe, however, we have decided to hire more pipers and put off the inevitable. No one, especially our government, is willing to make the tough decisions that will lead us through a painful, yet necessary, market correction. Instead, we are only risking our children's future. I, for one, am not ready to see my children turned into slaves to our debt. If the play taught us anything, it's that our children should be free to laugh, sing, and play...or go to college, raise a family, and live in a free country that answers to no one.
Is there still room for a happy ending this time? I hope so. Those 4th graders deserve it.
Wednesday, January 21, 2009
Random Thoughts from a Day of American History
January 20, 2009
1. John McCain seems to say "I can't look" during the swearing in. The gentleman next to him is a disguised Mitt Romney, taking photos of things he likes as he begins planning his inauguration in January, 2013.

2. Left - Supreme Court Justices Stevens and Scalia lament to Chief Justice Roberts that they had no idea their hats were so hideous. Right - We see Hillary Clinton right before she finds out that she isn't the next president...


5. Today, we all have a new president. Republican, Democrat, Independent, Libertarian, and whatever it is that Tom Cruise is all have to come together to get through these hard times. I pray for our new president's success and for the continued perserverance of the American people. We can make it through a recession, a war on terrorism, and a looming decline of moral values. What we can't handle, however, is another day with Senator Feinstein at the microphone. I'm glad this day is history.
Thursday, January 1, 2009
Greedy turns into Needy
Isn't it amazing how our economy went from penthouse suite to basement closet in a matter of a few years? I have noticed some very interesting attitudes regarding money that, if paid attention to earlier, could have saved us from the current mess we are in.I'm no economist, but I am part of the world economy (albeit a small contributing member). And it seems to me that greed, both micro and macro in nature, has led to the need that we now experience as a nation.
Case Study: Not long ago, I was working as a construction superintendent for a national home builder. There was a sense of invincibility within the company and we couldn't build the houses fast enough to meet demand. Lines formed outside sales offices and lotteries with all the flair of the NBA draft selected who would be able to buy a home this week. Most of the homes we sold went to out of state investors who heard about the "wonderful" deals that were "sure-fire" bets to make money. In-state buyers were generally mesmerized by the low prices and despite being highly unqualified to purchase a home, were "pre-approved" in a matter of minutes. Hence, we meet the perfect trifecta of greed:
The Home Builders - These heavyweight contenders just couldn't contain their greedy little selves and proceeded to build home after home after home. They didn't care what consequences would come from over-saturating the market with false equity and empty houses. They epitomized the attitude of "eat, drink, and be merry." How robust are those evening meals looking now? Wendy's dollar menu?
The Lenders - We know what happens to unscrupulous lenders...they get bailed out and spend a fortune on California vacations. Santa's naughty list included names like Fannie, Freddy, and those annoying little Lehman boys. These characters just couldn't resist the urge to take anyone's money, whether they had any or not. For the first time ever, mortgage applications had only 3 boxes: Name, Address (or location of the nearest 7-11 if address is unavailable), and Desired Amount of Cash. Downpayments for homes were less than downpayments for dogs at the mall pet store.
The People - The often forgotten culprits in this whole mess are the very consumers themselves. There are those, who in good faith, bought a house with a ridiculous mortgage rate and ended up upside down in their payments when the market collapsed. I don't think they were being greedy. But some were. The people with 2 kids who upsized to a 7 bedroom house. The couple who bought 3 homes in Arizona, just because they could. The guy who said "I already made $100k on this house in the past 3 months, I'm going to buy a boat with that equity." (True story).
The problem was, that family couldn't afford the payments on such a big house, and now they can't sell it to find a better fit. The couple who snatched up all those neighborhood "steals" now has a 2 page list of foreclosures on their credit statements. And the guy who had a bunch of equity? He hadn't made anything on that house because he hadn't sold it! And now his boat is a $30,000 reminder that he failed high school economics.
The housing industry was by no means the only culpable party to our financial mess. Investment firms, corrupt executives, worthless politicians, relentless unions, and others have added fuel to the fire. This small case study, however, is relevant to us all. The lesson learned is to live with what we have and save a little for a rainy day...or month...or year. Maybe even 4 years. (no political jab intended). The point is, until we can start living without greed, we will never live without need.
Who needs a boat, anyway? Too much maintenance.
Saving Santa...and themselves
This is a Norman Rockwell painting that graced the cover of Boys' Life, a magazine published for the Boy Scouts of America. For the past 7 years, I have had the opportunity to work with Boy Scouts of all ages. While I'm pretty sure none of them have ever saved Christmas by pulling the big fella out of the snow, they have all taken steps in saving themselves in this topsy-turvy world we have created for them.You've seen them, they're the annoying boys who constantly knock on your door to get the ball they threw over your fence. They're the ones who spend way too long filling up their sodas in fast food restaurants. They're the ones that are too loud in the library or at church.
But they are also the ones who get up early on holidays to put up American flags. They are the ones who spend countless hours collecting food for the less fortunate. They are the ones who put their fears aside and climb to the tops of mountains. Yes, they are indeed the very essence of what is good about America.
While others of their age bracket fill the air with foul and degrading language, Boy Scouts work on merit badges like communications and public speaking. While others pollute the world with graffiti and litter, Boy Scouts earn badges like painting and environmental science. Others participate in gangs and neglect schoolwork, but Boy Scouts participate in merit badges including family life and scholarship.
Make no mistake: today's young men are buried in the snows of negative influences. They can, however, pull themselves out if given the chance. I credit the Boy Scouts for leading the way in rescuing every young man from the snowy mountains of a misdirected adolescence.