Congratulations, you’ve been selected for PayPal Credit!

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Seriously? I’m being congratulated for the opportunity to go into debt with you and make you money? You must think I am an idiot who would believe this is an honour. It’s not.

When did the ability to borrow money become a badge of honour? Yes, there is a difference between the  people I’d lend to and people I’d never lend a dime. But the former are hardly worthy of respect just on that account. Anyone needing to borrow anything is in a rather degrading position.

I now reflect back to the times in my twenties when I went to people asking to co-sign for a loan because I was in dire straits. That was more humiliating than I could actually acknowledge. It was horrible.

But now the debt advertisers woo us with notions that being able to borrow means you are elite. Yeah, baby, plunk down that gold card on the table. Show up all your colleagues. You must be cool.

I am now so proud and happy when I pull out my debit card or, better, cash to pay for my part of a dinner with friends, or groceries or stuff at the drug store. It’s even so much better to pay with cash on hand for huge expenses. Paying with credit now feels shameful. As it should.

So I am increasingly appalled by all the credit scam come ons…  Like for a HELOC so you can upgrade your kitchen or go on vacation.



Let’s fry some eggs

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In grad school I learned about externalities. Those are the things we might not pay for immediately but all of us pay for in the long run. Like right now it might be cheap to buy a dollar meal at McDonald’s, but in the long run this will play havoc on our individual and collective health care costs. Same with most any industry today. The immediate costs can be low but the costs that society has to bear for the environment, social welfare, and medicine are huge.

Have you ever wondered why it is such a sure bet to go for a career in health care? It’s because we are all so sick. I’m surprised that so few seem to notice this. Health care is a huge part of our economy precisely because we are so sick.

And why are we so sick? Lots of reasons: the industrial food complex, the medical complex that has sold out to big pharma and big food, to our gullibility with the food pyramid. I believe that ultimately we have been sold a bill of goods in the USDA food pyramid that puts grains as the foundation of what we should be eating.

If what I am saying sounds strange, you can start to understand by reading some of Gary Taubes work or watching Cereal Killers.

I am now skipping the grains and flipping the rest of the pyramid. Eating: Fat first. Then protein. Then all the cool carbs like leafy greens, avocados, nuts, and such.

People, we need to think for ourselves and eat like our ancient ancestors did. That’s really not so hard. When you go to a grocery store, skip all the aisles and shop the perimeter. Pretty much everything in produce and meat and eggs is fine. But when you get to the dairy section, skip anything that is touted as low fat and go for full fat.

There’s no price difference between low fat milk and high fat milk. So that’s good. All the way around the grocery store, you can find whole foods. It may be cheaper in the short run to stock up on chips at Aldi’s but in the long run we’ll all be so damn sick.

We already are. But this can change. Drop the crappy carbs. Melt a slab of butter in the skillet and fry yourself some eggs. You will live to tell us about it.

Ladies and Women

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Yes, I do love Dave Ramsey. I listen to his podcasts in any spare moment.  I forgive him for being a gun-toting, government bashing, conservative evangelical dude.  I have lots of friends like that from way back He also is apparently not a racist. I do in fact see in him values here that the left lacks: like loyalty, actually giving to one’s own community (instead of asking the government to do it), and civility (which the left does have and all sides should do more for).

But honest to God I’ve had it with “the ladies.” He never refers to women as women. They are always ladies.

Ramsey has two product for budding entrepreneurs: “entre leadership” for people seriously intent on starting or furthering their own businesses” and “business boutique” ostensibly for women trying to create a new side-hustle.

Okay, fine. But why is it that whenever men call in with a problem about starting a new biz, however much a side hustle,  they are directed to entre leadership and women, no matter how serious their biz, are directed to Christy Wright’s Business Boutique?

And the women are always referred to as ladies?

For christ’s sake, ladies can be women too. They can be serious entrepreneurs. Let’s please, oh please, stop with this sexist shit.

Dave, please…. You’ve got no excuse.