Monthly Archives: November 2013

Criminal Justice

In today’s society victims of crime get no restitution. The Bible, in the book of Exodus 22:1-15 tells us that if someone steals or damages your property he should make a restitution to you. Sending criminals who steal and/or damage property to jail is wrong and unwise. In jail most of the criminals learn how to be better thieves and not how to reform. On top of this the victims of the crime have to pay to support these jails. Instead of receiving restitution, they are giving money to the state through taxes to feed and house these criminals. This is not good for society. Criminals should pay restitution to their victims as the Bible says. However if a person kills another person he does not pay restitution to the victim’s family. His sentence is death. The Bible in the book of Leviticus 24:17 reads,”And he that killeth any man shall surely be put to death.” This is the way it should be, it makes criminals think twice before committing a crime. This is the way the family of the victim receives restitution.


Feet to the Fire

The Freedom Index Thomas Jefferson said,”The price of freedom is eternal vigilance”. If we want to keep our country free and independent we have to be vigilant. Vigilant of what our legislators vote on. We have to hold our legislators accountable for their actions. Monitor their votes. If they vote for any piece of legislation contrary to the United States Constitution, they have broken their oath of office and should be held accountable. We can remove them from office by recruiting someone who stands for the Constitution of the United States to run against the legislator who violated his oath. A good resource towards assessing a Congressman’s or U.S. Senator’s voting record is The Freedom Index published twice a year by The New American magazine. It grades our congressman and senators from 0-100%, 100% being constitutionally right. Be ever vigilant. Our Future, our children’s future and their children’s futures are at stake. Do not say to your self, someones else will be vigilant, most likely they won’t. If we lose our freedoms, because we did nothing, we only have to look at a mirror to see who was responsible. Edmund Burke said,“The only thing necessary for the triumph of evil is for good men to do nothing.”

Oath Keepers

Constitution of the United States, page 1

Constitution of the United States, page 1 (Photo credit: Wikipedia)

Police take an oath to uphold the Constitution of the United States and the Constitution of their state. We as Americans have the Bill of Rights (Bills of limitations on the government) to protect our God given rights. The First Amendment includes freedom of religion, speech, and the press. For example the police should never obey and enforce a politician’s verbal restrictions against making a video of him at a public meeting. This would violate our freedom of the press. Legislative bodies, state or federal, are the only branches of government that can make laws. Of the laws they can make they all have to follow the Constitution of the Unites States. The politician has no authority to tell a police officer to violate our first amendment rights. Police personnel should never follow an unconstitutional command. It’s against the law to follow any unconstitutional command. Police should keep their oath of office, they should never ever break it.

Debt and More Debt

American credit card debt is a leach on personal finance management. It sucks people dry of money. Sure there are “gifts” or “bonuses” that come with certain credit cards for everyday expense. For example some cards give you “free” nights at hotels or “free” airline mileage, but remember there is no such thing as a free stay at a hotel or free airplane ticket. Everything has a price.

Credit Card

Credit Card (Photo credit: 401(K) 2013)

Some people go into debt to get these points, other go in to debt because they want to have the latest gadget on the market. Some want to live a lifestyle that is not supported by their income. In other words they are spending tomorrow’s money today. This is how people go into debt. They spend more money than they can pay back by the end of the month. Now you have to pay an interest on the unpayed money. On the average the current credit card interest rate is 15% which is really high. In the long run you pay more money then the item really costs.  Today the total credit card debt in America is $843 billion dollars.

On the other hand mortgage debt and student loan debt are sometimes necessary. You do need a place to live. However some people tend to take out a big mortgage on the expensive house they bought. Now they have to pay a high monthly payment that they can’t afford. If you need to buy a house or go to college, buy a house that is in your budget. The same applies to colleges. The result of spending too much on a house or college is massive debt. Today the total student loans is $1.046 trillion dollars and the total mortgage debt is $12.9 trillion dollars.

There are differences between credit card debt and mortgage and college loan debt. A difference between these three is that credit card interest rates are much higher than mortgage or college loans. The average interest on credit card is 15.35% unlike 4.8-6.8% interest for college loans or 4.30% interest for mortgages loans. One other significant difference is the amount borrowed. People borrow more money for a mortgage loan or college loan compared to credit cards. These are just a few differences.

According to the the total American credit card debt is decreasing. More people are learn how to budget and prioritize their money. Try not to go into debt. The take away note is in Proverbs 22:7 b,”the borrower is servant to the lender.” You will never truly be free unless you are debt free.

The Free Market is the Solution

There is a problem that wrecks havoc on our economy. “Government ought to do it” is the cry of many people. That is the problem. Government has no money of its own, it has to tax, borrow, or inflate to do anything. This hurts our economy through coercive arrangements. The federal government should protect our life, liberty, and property. It has no legal authority to give us anything.  If the federal government did not impose its politics of plunder, that is taking by force from some to give to others,  we would not have this problem. The free market is fully capable of doing what the government is doing unconstitutionally. The free market through voluntary arrangements could build dams, bridges, and roads for less and at a higher quality than the government does. Doing it this way would not wreck havoc on our economy. It would not trample over our Constitution. The saying, “if you want it done right, do it yourself” applies to this problem. We should not be saying the government ought to do it, we should say we can do it through the help of the free market. If we follow free market economics we would solve many of our economic problems.

Getting in Shape for Less

Every one should be in shape. It’s good for your body and health. One cheap and effective way to get in shape is by doing house chores or repairs. The advantage of this is that you are killing two birds with one stone. You are cleaning or repairing the house and also getting in shape. This is one of the best ways to get in shape if you are too busy. Another good way, if you have time, is athletic activities. Whether it is swimming, running, walking, biking, or playing baseball, basketball, football and so on, all these are good. Some of these tend to be more expensive than others. For example walking has little or no expense involved, while biking costs much more. Sports can also have a big price tag.

What about gym memberships as a way of getting in shape? I believe that gym memberships are too expensive. You have enrollment fees, bi-weekly costs, and additional costs. Additional cost can include cost of training lessons and equipment. One other harmful thing about gyms is that at gyms some people tend to over excercise. This can lead to heart, muscle and body damage. This is very unhealthy . These results are the opposite of why most people decide to get in shape.

This leads me to the risk of costly injuries. Heart, spine and bone surgeries tend to be extremely costly. No one wants to pay these hefty prices. If you are getting really tired or if a part of your body starts hurting STOP! You can reduce the risk of injuries by taking it easy. It is better to be safe than sorry. Do not overexert your body! Slow and steady is better. Doing it faster will put you in a hospital. Use common sense when exercising. Remember to be consistent in your exercises and activities for this is the only way you are going to gett shape.