This mess is not over.   Bailing out the banks is only a stop gap measure.  What’s really happening is that we (Americans) are moving into a new era where we will experience a huge reduction in the quality of life in America.   Incomes are shrinking our retirement savings, the value of the dollar is trending down, home equity has evaporated and energy prices are rising, Yes, Grandpa know’s oil has been down lately but overtime we all know they will trend upward. 

Any nationalization of business, including campaign promises regarding healthcare, is a move toward socialism.  And socialism will only make us all equally poor.   

Get ready now for even worse times.  Save your money and start cutting expenses.  Grandpa knows you are going to need it.

http://tennesseepolicy.org/main/article.php?article_id=764

Grandpa Agrees!

Can we move on to some current news?    Geeze, the only death that gets more television time than the death of a President is the death of someone in the media. 

In the beginning, Grandpa was like, “How tragic, such a good man”, after 4 days of media coverage  Grandpa’s more like, “God! This is driving me crazy! BLAH BLAH BLAH”.  

How can we continue living without him?

Grandpa.

While Grandpa does not support Barack Obama’s political ambitions, he does believe that Obama is an excellent father and a great family role model for young men.    There is nothing in this life more important than loving, teaching, supporting and encouraging your children and grandchildren to become proud, confident and capable adults.    Parents must put their children first and make personal sacrifices for them.

People need to realize and recognize that spouses, children and family are more important than personal gratification.    Many men seem to believe that they were put on this earth to have sex with as many people as possible.    They are selfish sexual predators that destroy families and harm our society.    They prey on others willing to have sex with them.   They prey on mothers, fathers and spouses without regard for the families that love and depend on them.     Nothing is more important to these people than their personal satisfaction.  They have no morals.    They don’t care if they break up a family or father a child.   And when they do father a child they walk away, put it out of their minds, write it off as a one night stand.  Afterall, they didn’t force this person to have sex.  

Grandpa.   

Well, thats not all it does, it also has a self contained laboratory in a box to analyze the composition of what it finds.   Of course, what these scientists really want to find is LIFE.   I guess if they find dead microbes on Mars they can prove life occurs randomly accross the universe without divine intervention.   Then it will be safe to believe god does not exsist.  Grandpa says, “Good Luck” it’s all a waste of time and money.    Show me a big blue planet in space like earth and then, maybe you will find life.   For some reason, science has presented the theory that Mars may have once had life but now its gone.   Horse Poop.  

From evolution to the space program, science is constantly searching for clues to disprove the exsistance of god.   Follow the link to read the article, but Grandpa finds this quote to be unbelievable “ the Phoenix lander has collected particles that offer a snapshot of millions of years of life on the Red Planet, the team behind the probe said Friday.”   What?  Millions of years of life?  http://www.breitbart.com/article.php?id=080613214545.vkueik6i&show_article=1

Grandpa.

Grandpa warns that corporate 401K plans can be dangerous due to the limited number of investment options available.   Part of the the problem is that 401K plans are administered by investment firms that only include their own mutual funds.   Typically, 401K plans offer a few bond funds,  a short term cash fund, and an array of stock mutual funds with varying degrees of volatility.    When none of these investment choices  are producing returns the plan participants are unable to protect their savings. 

Grandpa would like to see more indexed and sector funds included in all 401K plans.   I’d like to invest in gold, oil and industrial materials but thats not an option in my 401K.    One of the stock funds in Grandpa’s 401K does invest 18% of its funds in energy and oil but the fund is SO diversified it still follows the dow jones index down. 

The ultimate 401K plan would allow participants to invest in individual stocks, bonds and mutual funds similar to IRA accounts at brokerage firms.  Grandpa believes that corporations are opening themselves up to legal action if they don’t expand their 401K plans.

Grandpa.

Bankruptcy is every Amercians ”get out of jail free card”.   Can you believe it?  The United States government actually allows us to “take a mulligan” when it comes to our debt.    It’s an idea that must have come from the founding fathers.   Just think about it, the government forgiving your debts and allowing you to keep all of your personal property.  Jesus must have been in Congress when they passed this law.   

I know the financial guru’s cringe when they hear the word bankruptcy.   But then, these financial guru’s are making millions by selling their books and DVD’s that tell us how to get out of debt.   You don’t need a DVD to tell someone to get a lawyer and file bankruptcy.  In many cases these so called experts are doing us a disservice.   

For example,  there was a couple that appeared on the Oprah show and the wife had run up the family credit cards to over $200,000.   The husband was not aware that the family had this much debt.  Grandpa can’t remember his name (memory loss caused by old age), but the expert guest of the Oprah show advised this couple to cut back on their standard of living until they paid off this debt.  The financial expert also had a book he was selling.  The husband had a good income somewhere around $100K, but Grandpa was thinking “dude, don’t kill yourself for this $200K”.  Grandpa was yelling at the TV, “FILE BANKRUPTCY YOU IDIOT, ARE YOU NUTS, DO YOU REALLY WANT TO GIVE UP CABLE FOR THE NEXT 10 YEARS, OR LEARN TO USE ONE LIGHT BULB IN THE HOUSE AT NIGHT?”

The credit card companies made their money.  Don’t feel guilty for not paying them.  They have been screwing you with 23% interest rates and $40.00 late fees.   When Grandpa was a boy we had something called usury laws which limited the amount of interest that can be charged.  These laws don’t exist anymore.  The emphasis in the past was protecting the consumer. 

Life is short.  If you have a huge amount of debt and feel like you will never pay it off, Grandpa suggests that you contact an attorney and ask about bankruptcy.  For more information, visit this website: http://www.usdoj.gov/ust/.

Grandpa.

Jenny grew up in a foster home.  Her mother was “white trailer trash”.  The kind of person you would see on Cops explaining why she slashed her boyfriend with a paring knife while the cameras are showing the half smoked roaches and the crack pipes in the ash trays.   You know, the boyfriend is hand cuffed, his shirt is off showing multiple homemade tats and he still wears a mullet.  Her mother’s 100 lbs over weight wearing a tube top with a cigarette hanging out of her mouth.   Dirty kids are running around the trailer barefoot and crying.   Anyway, you get he picture.  Let’s just say Jenny’s mother neglected her.

Now Jenny has a history of cheating on my son.  I have caught her twice with another man when my son was out of town.   I suspect there have been others as well.   I suspect that Jenny would sleep with any man that asked her.   I suspect this behavior has something to do with her mother.

I recently noticed a change in Jenny’s everyday routine and schedule.  She was picking up the kids late, and even staying out all night saying that her boss was paying her overtime to stay overnight at some elderly womans home.  Jenny is a nurse’s aide.   It’s insulting to me, that she apparently thinks Grandpa is stupid enough to believe this shit.   

What really put Grandpa into action was when she told everybody she was going to Texas to see her  mother and she took Kaitlyn with her.  Jenny was gone about 5 days and during that time she would never answer her cell phone.    Jenny can do whatever she wants to herself, but it’s a different story when she’s dragging Grandpa’s grand kids along with her.    Grandpa wants to know where his precious grand kids are at all times and he wants to know they are safe.   

After Jenny returned from the fake Texas trip, I purchased a GPS locating device.  It’s about the size of a pager and you can track it’s location 24X7 over the internet using google maps.   Grandpa glued two magnets to a piece of plexiglass and then zip tied the device to the plexiglass.  Grandpa placed the device under her car.  Check it out at www.zoombak.com.  They actually sell these things at Petsmart for tracking your dog.

For the next couple of days it was kind of entertaining to  check on the whereabouts of Jenny’s car.   Eight am, shes at work,  7pm shes at her sisters, 10pm shes at home.  I was feeling powerful knowing that I could track her location and I also knew that the location of her lustful affair would stand out like a big zit.    

Then at 10am on her day off, there it was,  100 Kingscove Drive.    Again at 12 noon she’s still in the same location, 2pm – same location.  I switched over to satellite view on  google maps and bingo! It’s an apartment complex.    During this time my son, who works nights, was home asleep, McKenzie was at kindergarten and the baby was with Jenny.  I suspect the baby was at this location the entire 5 days they were supposedly in Texas as well.   Anyway, I decided to wait until I could track her to this location more than once which would make it difficult for her to explain. 

Later that night before going to bed I did a quick check and her car was at home.   Grandpa felt relieved and could get a good nights sleep knowing the grand kids were in their beds.  The next morning, before sunrise, I got up and checked her location again.  The website reported that the locator had ran out of power and was shut down.   I immediately jumped into the Grandpa mobile and went to her house to retrieve the locator and recharge it while she was asleep.   When I arrived her car was gone.    Oh shit!  Where the hell are my grand kids?   I then drove to the apartments at 100 Kingscove Drive, and there in the parking lot was Jenny’s car.  

I then thought, she must have slipped out in the night and left the children home alone,  so I drove back to her house.  When I arrived, my son had returned from working overnight and his car was in the driveway.  I yelled through the door, “are the kids there?”  He replied “No.”   “Do you know where Jenny is?”  He said, “She’s staying with her sister.”   I said, “No shes not, her car is at an apartment complex.”  My son said, “LET’S GO”.

When we got back to Jenny’s car at the apartment complex it was about 6am.  My son said, “Stop the car”, and he got out, unlocked Jenny’s car and got into the back seat.   I covertly backed the Grandpa mobile into a parking space about 50 yards away, turned off the engine and waited. 

About 30 minutes later, Jenny came walking out of the apartments with her cell phone to her ear.  She got into her car and started to back out of her parking space.   Suddenly, the car stopped, I believe that is  when she realized that my son was in the back seat.  BAM, she was caught!   A few moments later the car drove off and I tried to follow but she lost me at a stoplight.   I knew they were proabably fighting so I drove home and told the whole story to Grandma.  

Later, my son told me that she was talking to him on her cell phone when she was walking out of the apartment and getting into her car.   My son asked her, “where are you?”  She said, “I am at my sisters house having breakfast, where are you?”   He said, “I am in the backseat bitch.”  I guess she could not see my son in the backseat because her windows are tinted.  

Divorce papers have been filed and a restraining order was issued to prevent Jenny from taking Grandpa’s grand kids to strange places. 

Grandpa.