There are no LIVE NUDE GIRLS! here!

Contrary to popular belief, P.T. Barnum was not the originator of the phrase, “There’s a sucker born every minute!” That distinction belongs to someone else but the fact remains that people are just as gullible and easily manipulated today as they were decades ago. It is this idea that forms the basis of this column.
How gullible you say? Well, back in the early nineties, a man named Bernie Madoff was touting himself as the investment banker that could GUARANTEE a hefty return on your investment should you decide to use his company. His last name should have been a foreboding clue but in hindsight, the thought of making a killing on an investment clouded everyone’s eyes. It wasn’t until 1999 that financial analyst Harry Markopolos informed the SEC that he believed it was mathematically impossible to achieve the gains that Madoff promised to deliver. After only four hours of failed attempts trying to replicate Madoff’s numbers, did he realize that Madoff was a fraud. He was ignored by the Boston SEC in 2001 and further ignored when he took his findings to the New York SEC in 2005 and 2007. The Madoff “Ponzi” scheme was uncovered by none other than his two sons. When they went to their fathers swanky apartment to confront him on his plan to pay out 173 MILLION in bonuses, the elder Madoff broke down and confessed. He stated that he had “Nothing left” and that he was “Finished,” his investment fund was “Just one big lie” and “Basically, a giant Ponzi scheme.
How were the dozens upon dozens of investors duped? Easy, they believed every word this charming, charismatic, easy going con man had to say. On December 11, 2008, he was arrested and charged with securities fraud.
Let’s move on. When a six year old boy wakes from a two month coma and paralyzed, you might want to hear what he has to say, especially when upon waking he tells this fantastic story of dying and going to heaven. You read right, folks, heaven. And quite honestly, who would doubt such an innocent lad with such a detailed and wondrous story to tell.
His story was so compelling that Tyndale House, a major Christian publisher published a whole book detailing the boy’s story. The book, “The boy who came back from heaven” was written by the boy and his father. The boy’s name: Alex Malarkey. AHA!! A CLUE!! Lifeway Christian Resources, a denominational publisher which own a chain of religious bookstores couldn’t keep the book on the shelves. They sold out as fast as they were put out. The story gave hope to millions that maybe there was something more after we pass. And this is a good thing, except……….one day, an open letter to Christian bookstores, posted on the “Pulpit and pen” website, young Alex Malarkey flatly states, “I did not die, I did not go to heaven!” WAIT…WHAT?! His clarifying statement: “I said I went to heaven because I thought it would get me attention. I haven’t even read the bible!” Alex Malarkey did not receive one penny from the sale of his book but his father did. The book deal with Tyndale was exclusive only with the boy’s father, Kevin Malarkey. Duped again! Pity the poor souls who doled out hard earned money for a piece of fiction disguised as fact.
And the lies continue! What does a gothic hip-hop artist performing under the name, ”Black Madam” and unlicensed body sculpting have in common? Should be nothing, but Padge Victoria Winslowe, dubbed “the Michelangelo of buttocks injections” had a very lucrative business injecting industrial grade silicone and Krazy Glue (I kid you not) into the gluteus-maximus of unsuspecting performers. A 20-year-old exotic dancer from London was coaxed into an airport hotel room where Winslowe proceeded to give the girl a “touch up” during what is being dubbed as a “pumping party.” After dancer Claudia Aderotimi started having trouble breathing following the injections, Winslowe fled the motel room, leaving the girl to die later that same day. Just before her pretrial, Winslowe, 45, of Philadelphia, told the judge, “God’s blessed my hands with everything I touch. I make lots of money, in lots of ways.” Winslowe was later convicted of murder. How could someone be tricked into thinking that a rapper who goes under the name “Black Madam” could safely perform cosmetic surgery in a hotel room? Simple! The woman stated that she was a “nurse practitioner” in training. I could go around claiming to be the King of Spain but who would believe me? Many, I’m guessing if I was convincing enough.
When it comes to manipulating the masses, nobody does it better than the media. How many times have we seen the phrases, “poses nude, poses topless, wardrobe malfunction, sex tape or personal nude photographs” in the headlines? Too many times! Most times these titillating teasers are meant for men to send them running to see and read the lurid details. And far too often they are just a ruse to get your attention and snare you into their little trap. People are so trusting that they will fall for the same gag over and over.
There is an old saying: “If something looks too good to be true, it probably is” Wiser words have yet to be said. If one day you find yourself vacationing in Vegas and a man walks up to you and introduces himself as a land developer and hands you a business card with the name “I. M. Conman” on it, RUN!!

The Top 10 reasons Donald Trump should be the next President....not!

1) He can erase the national debt!
Having filed for bankruptcy FOUR times, he knows how to stick it to creditors. He’ll simply declare the U.S. bankrupt and screw all the foreign countries that we owe money to. it’s a WIN-WIN for everybody!
2) He must be a master at foreign relations!
Having been married three times and divorced twice, DOMESTIC relations he is clueless about.
3)There will be NO SCANDALS in his White House!
With his incredible ability to cover up an obvious bald spot, any scandal that could possibly develop will simply DISSAPPEAR.
4)He will be good for employment.
It’s going to take lots of manpower the write TRUMP all over everything. The “White House” will now be the “Trump House.” All currency will say, “IN TRUMP WE TRUST!” “TRUMP” will have to be painted on AIR FORCE 1. And every reference to “The United States of America” will have to be changed to, “The United States of Trump”
5) He will pick an excellent cabinet.
With his keen sense of knowing how to HIRE AND FIRE someone, his cabinet is insured lasting success.
6) Extremely efficient.
With all of his millions, the man wears the same white shirt and pink tie over and over and over…………….
7)He OWNS the Miss Universe pageant.
As a self-professed “knower of real beauty,” Miss America is a shoe-in to win every time.!
8)He doesn’t cow tow to pressure groups.
Having never served in the armed forces, he can ignore veterans wants and demands. He’s never had a REAL JOB so being pushed around by the labor unions is not likely to happen. He can’t knuckle under to pressure from religious groups because he can’t be Catholic (divorced twice) and is a “big believer in freedom of religion”--quote
9) Save taxpayers money because he doesn’t have to be paid.
Because he touts himself as a GAZILLIONAIRE, he won’t need a paycheck. His real net worth is estimated at only 200 million.
10) It will be easy to fill the TRUMP LIBRARY. He has supposedly written NINE books, 7 with the word ‘TRUMP” in the title. No need for any other literature.

X-MAS CARDS AND THE POST OFFICE

I received another Christmas card in the mail the other day. I appreciated the time it took for this person to have to physically go to the store, purchase it, drive home, address it, write a little note in it, stamp it, then either drop it off at the post office or stick it in their mailbox. WHEW! That's a lot of work just to perform a simple task. I appreciate the thought. But for me, X-mas cards are a double edged sword. First, being an agnostic, my view of what this holiday season means may not be the view shared by others. This feeling of holiday cheer and good will should be felt and demonstrated year long and not come upon us beginning the Friday after Thanksgiving and ending on new years day. But I digress. Back to the cards. So I have this collection of cards. With every new card that comes I feel more guilty about not sending out my own set of cards, or at least reciprocating to the ones I got. This guilty feeling sucks. It really puts a damper on my X-mas spirit. And then there are the cards I get from folks I haven't heard a peep from all year long. What am I supposed to think here? They only think of me once a year? A verbal conversation is not allowed? A ten minute phone call exchanging pleasantries would  have better demonstrated that they really care versus two lines in a card. Please don't view my comments as ungrateful; I take friendships very seriously and value each and every one. But to think of me only at Christmas seems a bit hypocritical. I think some people view X-mas cards as some sort of moral status. "Gee, if I send out two hundred Christmas cards, I MUST have lots of friends and be so well liked!" I call it the FACEBOOK syndrome. Thinking that you are so popular because you have 642 friends. But how many of those friends would come by to lend a hand on "moving day?" Just as I thought. And how about those press release diatribes that people send out, detailing every single thing that is happening in their lives. A Christmas "form letter!" Talk about impersonal! My advice: forget the cards and pick up the phone. You remember the phone don't you? It was the thing we used to communicate with before "email" came along. Call the people you haven't seen or spoken to all year. Ask how they are. Ask how their children are. Ask how their parents, brothers and sisters are. Tell them what is going on in your life and ask them the same. Say, "it was good talking to you and I wish you well." An "I love you" wouldn't hurt either.

 While I'm on the subject of cards, lets talk about the post office. An American institution in constant ridicule. Post office personnel have the second most thankless job on the planet right behind teachers. Look, their job is very stressful. Imagine being responsible for moving ton upon ton of mail every day. And how do we thank them? We make jokes about "going postal." Ask yourself this: Is there anyone I know that will come to my house, take a letter from me, carry it clear across the country and hand deliver it to someone of my choosing? No one? How about one of your 642 friends on FACEBOOK? And don't get me started about ALL the people who complain about the price of a stamp. Do you think that YOU could physically hand deliver a letter to someone 3,000 miles away for less than 44 cents? Well guess what? People do it for you day after day, no matter what the weather is or where they're going. And they never ask for a "thank you" either. Isn't it amazing the people and things we take for granted? So, the next time you're standing in line at the post office waiting to buy your stamps and the person either behind or in front of you comments about the HIGH PRICE, remind them of our little conversation. And realize one more thing: With email gaining momentum as the preferred method of mail delivery, it's only a matter of time before your mail man or mail woman is out of a job. More stress to add to an already stressful job. Be glad of who you are.
Happy holidays to everyone and peace to all that need it.

THE ABSOLUTE BEST ADVICE YOU WILL RECEIVE ALL YEAR!!!

The above title says it all. The following advice that I am about to give to all of you reading this right now is the BEST you will receive all year. But before I spill the beans, I must first disclose it's origin.

On November 1st of this year I was engaged in a telephone conversation with my mother. Because she is alone and I am concerned for her, we often speak on the phone. The conversation was going its usual way until she mentioned something she had seen on a T.V. sitcom. According to her, an actor on this certain sitcom made a statement, one she thought she had never heard before. The actor said to his sitcom wife that she should unplug the toaster once she had finished using it. The actress asked why. The actor responded that although the appliance was no longer turned on, the mere fact that it was still plugged in meant that the appliance was still drawing current. At that point I am unsure as to what the next exchange was due to the fact that my mother was recounting it. Mom asked me if I had ever heard of this before and then informed me that SHE had pulled practically every plug in her apartment. She then went on to tell me how her ELECTRIC BILL HAD BEEN REDUCED BY HALF since she started this practice. I ran her words around inside my head. I had never heard of such a thing. Even with my knowledge of electricity, having owned a home remodeling business for years, these statements were very new and puzzling. I honestly thought mom had "lost it." I thoroughly questioned her on every aspect of life in her apartment and if she had changed anything else in addition to "unplugging." She assured me she had not. At that point, I realized the only way to prove her claims was to see for myself. I decided on that day, November 1st, to unplug every cord in the house. I left two plugged in: the two behind our bed's headboard, the ones that power our digital alarm clocks. They were too inconvenient to access. The only other things plugged in were mine and my wife's computers, the battery charger to a power screwdriver and the battery charger to a small beard and mustache trimmer.

And then I waited. I made sure to unplug everything immediately after using it. When our monthly electric bill arrived, I was shocked. Because the bill reflects electric usage from mid-month to mid-month, I could only view the results of exactly 16 days worth of unplugging. According to the bill, dated November 18, 2009, the total kilowatt hours used between 10/20 and 11/16 amounted to 882. THAT wasn't the amazing thing. The AMAZING thing was LAST YEAR'S record of usage for the exact same time period (drum roll please) 1,223. AND don't forget that November's bill reflected only 16 days of my unplugging task. A whole month's worth would really reflect my savings.

Now, some of you may be skeptical. But I assure you that the same living conditions, habits, days at home, and thermostat heating temperatures had not changed from year to year. Today, December 22, I received the electric bill for the period 11/16 to 12/16. The total kilowatt usage for this period is 1,376. And as I write this and view the kilowatt usage for the exact same time period last year, I am amazed. Last year's total: 1,680. A difference of over 300 kilowatt hours. In dollars this amounts to roughly a $25.00 savings over last year's bill for December. I expect all following bills to be greatly reduced also.

Now comes the question: WHY ISN'T THIS INFORMATION PRINTED IN GIANT BOLD LETTERS ON EVERY ELECTRIC BILL MAILED IN THIS COUNTRY? Why isn't this money saving, energy saving tip splashed all over the T.V. and newspapers? Why hasn't President Obama held a national press conference telling each and every one of us how easily we can save a SIGNIFICANT amount of money on our electric bills? Maybe he doesn't know. Maybe somebody should tell him. But then, it's easy to see why the electric companies keep this little tidbit of information from us. Imagine the lost revenue incurred by them if every person could cut $20 to $30 from their electric bill.

I intend to shout this information from the highest mountain. HALLELUJAH!! LOWER BILLS AT LAST, LOWER BILLS AT LAST!! Join me America in spreading the good word. Send folks you know here to read this for themselves. Comment on this article if you already know this information. Start an email chain telling everyone how to pocket some extra cash in these hard times. Let's get Congress to pass a bill that all electric companies must publish this TIP on every bill to every customer. If we need a GREEN solution, there is no better one that I can think of. Thank you for your time. Ray.

ADVICE FOR ALL: A LAST WILL AND TESTAMENT.

Occasionally, I have been known to write articles purely of a humorous nature but the tone of this article is of a serious one. As I grow older and time slips by, I realize that I don't have a last will and testament in place. I don't plan on getting hit by a bus in the near future, but I realize fate has a habit of changing even the best laid plans. After doing much research on the subject, I am prepared to share with you, the reader, what I have learned.

You may ask, "why have a will at all?" To answer that question, a will can protect your assets and minimizes the chances of a contest over your estate. If you die without one, your estate may not be distributed as you choose. A will provides for your family, specifies whom you would like to receive your property, outlines your funeral and burial instructions, creates a trust and/or names a guardian for minor children and specifies who you disinherit.

        THINGS TO KNOW ABOUT WILLS
a) You do not need an attorney to create a will
b) Your will does not have to be notarized (except in Louisiana)
c) Any person over the age of majority and of sound mind can draft his or her own will

        REQUIREMENTS FOR CREATION OF A WILL
a) The testator (creator) of the will must clearly identify himself or herself as the maker of the will whereby creation or "publication" of a will is typically satisfied by the words "last will and testament" on the face of the document
b) The testator declares that all previous wills and codicils are revoked. Destroying all copies of old wills is highly recommended
c) The testator must state that he or she has the capacity to dispose of his or her property and does so freely and willingly
d) The testator must properly sign and date their will. To do so, the will must be signed in the presence of at least two witnesses, but three are recommended. The state of Vermont requires this. Witnesses must be at least eighteen years of age but should not be a beneficiary of said will. It is not recommended that a spouse or children serve as witnesses either. Ideally, anyone who is or can be a beneficiary should not be considered a witness to a will signing.
e) The testator must sign the absolute bottom or end of a will. No lines or spaces should follow a signature. If this is not the case, any text following the signature will be ignored or the entire will may become invalidated
f) Witnesses must be in your immediate presence, must observe your actual signing of the will, and all the witnesses must observe the other witnesses signing the will. ALL WITNESSES MUST SIGN YOUR 
WILL
g) You do not need to read your will to them and it is unnecessary for them to read it. However, they must clearly understand that this is your last will and testament and that you intend for the document to function as your will upon your death

Married couples should create two wills that mirror each other and name the same alternate beneficiaries, executors, guardians and trustees.

DR. SEUSS HAD IT RIGHT ALL ALONG

Is it December already? I must not have been paying attention. I must have missed the covert overnight transformation that most retail stores perform around this time. You know what I’m talking about: Christmas decorations. The fact that they appear earlier and earlier each year just adds to my general feeling of disillusionment and manipulation. Each year, Christmas is thrust upon us whether we like it or not. And each year I feel more disconnected and empty. And I know why. But first, a little history. My parents, both non-practicing Catholics, sent me to parochial school to obtain the best education they could afford. It worked, but I lost my religion in the process. I have joined the ranks of the millions of “reformed” and now consider myself agnostic. Which is just one ladder rung up from atheist. I have theorized my own belief system and I am happy with it. That’s fodder for another column so for now I’ll just stick to the holiday blues. When you remove the standard religious dogma from Christmas and then expose Santa Claus for who they really are (parents) what have you got left to celebrate? All of you out there reading this just thought to yourselves a unanimous, “not much!” Exactly my point. So, after much thought I have concluded why this time of year makes some of us depressed, suicidal, alone and disconnected.
    It’s simply this: Christmas is not about trees covered in lights and garland. Or eggnog, turkey or pies. It’s not vintage T.V. specials, movies or twenty-four hours of X-mas music on the radio. No flying reindeer, elves, or flashy-dressed intruders who enter via your chimney. No wreaths, poinsettia or mistletoe. It’s not overly adorned retail stores, “tickle me Elmos” or bell ringing volunteers guarding a big, black pot. It’s not snow covered mornings or carolers serenading you with hymns. Nor is it about three wise men.
    You cannot experience Christmas extraneously because Christmas is an idea. It is born of one’s own mind and heart. It’s an attitude. It’s letting your guard down. It’s forgetting the differences between us and accepting each other for who we are. It’s a smile or a handshake. Being considerate of your fellow man or woman. It’s holding the door for someone or giving up your place in line at the check-out for the person with just one item. It’s buying someone who looks needy a cup of coffee or a bite to eat. It’s yielding the right-of-way to someone in traffic and appreciating their wave of thanks. It’s calling old friends and reminding them how much they mean to you. It’s telling your children and grand children how much you love them. And there is no better gift that you can give than telling your parents how much you love them and thanking them for impacting on your life. It’s forgiving old debts and resolving old issues. It’s opening up your heart and mind to an overabundance of goodwill towards each other. It’s finding inner peace in the notion that we were all created by the same entity and that we are truly all brothers and sisters sharing the same home.
    That is how I will celebrate Christmas this year. And maybe, just maybe, I’ll expand it a little more each year until I can experience that warm fuzzy feeling year round. And maybe some of it will rub off. Maybe it will catch on. Maybe all the mayhem produced by all those insane Christmas shoppers won’t matter anymore. Maybe Christmas won’t be about how much you can spend or how big your gift can be. Maybe we can learn from those mythical “Who’s” from that Dr. Seuss classic, “How the Grinch stole Christmas!”  They were unfazed at awakening to a Christmas morning devoid of all the trappings and celebrated notwithstanding. Although, a generous portion of “roast beast” never hurt anybody. Happy Holidays.


Used by permission of THE NEXT 50

Love or money? The Tiger Woods debate.

Didn't I just recently write an article about how men can easily take a relationship and flush it down the toilet? I guess a certain golf player missed that one. Which luckily, gives me a topic to expand on today. By now, unless you live in a cave, you know that golf wonder boy Tiger Woods is guilty (by his own words) of "transgressions." It never ceases to amaze me the vast number of colloquial terms we have invented to describe our mistakes. When we lie, it's a "fib" or a "white lie." Why does adding a color to it make it okay? Is a "black lie" worse? When we steal, it's called a "misappropriation" or "shoplifting." When we kill someone it's called "manslaughter." If a man accidentally kills a woman, shouldn't it be called "womanslaughter?" Well, it's not and you know why? Because "womanslaughter" sounds way too terrible. "Manslaughter" sounds much better. But I digress. Back to the Tiger. HE CHEATED ON HIS WIFE! BROKE HIS MARRIAGE VOW! Allegedly, not with one, not with two, but with THREE WOMEN!! That's three life sentences in HELL if you believe in that sort of thing. "Transgressions" indeed!

         WOMENS DAY magazine recently conducted a poll asking women "would you stay if your husband cheated?" Of the women polled, 35% said "yes" while 65% said "no." "Maybe" and "it depends" were not options. This tells me that out of every one hundred  women at least thirty-five have been cheated on. But I'm willing to bet that the number is MUCH higher. So sad. What is wrong with men? Is making a lifetime commitment to just one woman so impossible? Is being in love and making love to the same woman so painful? Is just a few minutes of self-gratification with a different woman worth losing the one you have? Look, if you're a man who can't keep it in his pants then you have no business being married. Lying and cheating on your spouse is not fair to her. In the grand scheme of things a divorce is far less painful to a woman than  having her husband cheat on her. It is degrading to her and totally saps her self-esteem. THAT is something you do to your enemies, not to the woman who you considered your friend and wife.

           But apparently, on the subject of Tiger's "transgressions," most of the comments from men that I read on message boards seem to slap him on the back or encourage his bad behavior. He is now the hero of most ignorant men and the scourge of faithful women. And what does the media make of all this? "How will this hurt the TIGER WOODS brand?" Give me a break. He took a backhoe and dug himself a giant hole. Are we to feel sorry for him? Should we forget the whole thing? Frankly, I don't really care what happens to him. I only feel one thing: empathy towards his poor wife for having to suffer through this. BUT WAIT A MINUTE! She is not poor. On the contrary, she was just offered $5,000,000 to stay with her husband AND her revised pre-nup will give her an additional $55,000,000 if she stays for a total of ten years. Oh how silly of me, I forgot how boat loads of cash make up for everything and help people to forget. Right.

          When events like this happen, women are the losers. The message is clear: men, go ahead and cheat. If you've got enough money in the bank you can fix it. All can be undone with cash. Nothing will change until men view women as equals. Until they can see the world through their eyes. Until THEY have to go through life wondering when THEIR spouse will toss promises to the wind and cheat on them.

         On Sunday, December 6, I am getting married. My fiance and I have written our own vows, or promises if you like, and I intend to keep mine. When two people find each other and realize that no other substitutes will do, shouldn't a simple promise to be faithful be enough? If, as a man, you can't unequivocally answer "yes," then you have no business being married. Peace.

Advice for women : How to make shopping with your man enjoyable.

Women and shopping. The two go hand in hand like shoe sales and credit cards. Women are natural born shoppers. It's in their genetic code. They can shop for hours, take a fifteen minute lunch break, and again, hit the stores running. Shopping for some women is more enjoyable than sex. Sad but true. For men on the other hand, shopping with a woman is like getting a colonoscopy: It's inevitable, you can't talk your way out of it, it's slightly amusing but mostly uncomfortable. So, with that in mind, I have compiled a list of tips for women to use to make the shopping experience more enjoyable for their man.

 1) Just getting him there.
         Men are easily outsmarted and will fall for almost anything. One way to get him into the stores is to mention how you think there might be a sporting goods store, a toy store or a video arcade inside the mall you are planning to attack. Should there be none of these at said mall, deny all recollections of the conversation. Another tactic you can try is to offer to buy him lunch. No man will ever refuse a free lunch! If all else fails, promise him something new and exciting in the bedroom tonight. Later that evening, place the shiny new flashlight that you purchased (when he wasn't looking) on his night stand and say, "TAA DAA!!" All men love flashlights.

2) Distraction.
         No matter what, some men just hate the shopping experience. This notion is ingrained in them as toddlers. They remember the never-ending hours of boredom they had to endure while being whisked from store to store as their mothers shopped like robots. These men are scarred for life and no amount of 'retail therapy' is going to help. For you to be free to shop every rack and to try everything on, without the whiny, "can we go home now," you must distract them. Give them something to read. Something with big, colorful pictures and words they can understand like 500 HORSEPOWER, or 12 POINT BUCK, or CAREER TOUCHDOWNS. The more magazines the merrier! They will sit quietly content for hours while you happily spend all their money! (just kidding.)

3) Inclusion.
        Some men are naturally inquisitive and might actually care about why you have come to the giant indoor mall to shop. These guys you can work with. Unlike "distracted man" above, your fellow might just require a simple task to keep him occupied and happy. Here is your chance to put him to work. Give him the size, and/or color, and/or budget of the items you are searching for and tell him to "fetch!" If he returns with a number of items that are dressing room worthy, pat him on the head and tell him what a 'good' boy he is. Should he return with a handful of clothing not fit for The salvation Army, say "BAD!" and send him back out.

4) My little helper.
       Amazingly, not all men are dolts and will actually enjoy shopping with you. Use this to your advantage. Ask him to pick out items that he thinks you might look good in. This will help stave off the boredom and actually give you a window into his fashion sense. After all, YOU are practically responsible for everything that hangs in his closet, i.e., birthdays, X-mas, anniversaries, his vasectomy 'get well' gift and so on. It's only fair that he has some input. If he does a good job of outfitting you, buy him some socks and underwear.

5) A rolling stone gathers no moss.
       Keep moving. You know he has a short attention span. Grab him by the hand and slingshot him from rack to rack. Jog through the aisles. Run from store to store. DON'T LET HIM SIT! Once you lose momentum you'll lose him. Keep him focused! Make him carry all the bags. He needs purpose. Show him that shopping can be fun! At home, in between mall attacks, put him on reconnaissance. Let him comb the Sunday paper searching for sales. Make him an active part of the shopping experience. Hopefully, once he is converted, he will tell all his dopey friends bringing harmony to all who shop. Amen.

How to get married ---------on a budget!

Remember back in the good old days when people had money? You could buy a house, a car, a big screen television, a whirlwind vacation, get married. Today it's so bad that individuals who used to be billionaires are now only millionaires. Boy, life is tough. But life goes on. Let's say for instance that you want to get married. You've finally found your perfect mate. The love of your life. Someone who shares your likes and dislikes. Someone who DOES eat tree bark or believes in the healing power of crystals or who thinks that an UZI is a 'must have' fashion accessory. Your 'soul mate.' So, what do you do to tie the knot without spending a fortune? If you're a woman, getting hitched for the first time and your last name is Getty, Trump, Rockefeller, or Kennedy, skip this article and go shopping. But if you're a young couple just starting out or you're two divorcees who've 'been there, done that,' the following advice may save you thousands on your wedding costs.

1) Invitations. Let's face it: Do you really need old English script on antique white parchment paper that contains two white doves that are released when the intended guest opens it? Overkill. Of course you could entertain using the other side of the spectrum: Pen ink written requests on cocktail napkins sent by carrier pigeon. What? TOO tacky you say? How about something in the middle? Make your own! Today's personal computers have software installed in them that enables the user to create a customized invitation. It's not hard to do. After you've configured your 'invite' all you need to do now is drive down to your nearest office supply store and buy 'card stock.' A box of 60 costs around $20.00. Simply put the card stock in your printer and watch it print out your invitations. Fold them, stick them in an envelope and you're done.

2) Your dress, his tux. Does it have to be white? Does it have to be new? Does it have to be yours? A formal white evening gown is a viable option. They are considerably less expensive than a conventional wedding dress and you can get more use out of it. What about finding a used one on Craigslist or EBay? How about renting one for the day. There are plenty of websites that let you rent one for the day. Does your intended own a nice suit? If he doesn't, how about a friend or family member. Borrowing or buying a nice suit can be cheaper than renting a tux for the day.

3) The place. Do you absolutely have to get married in a church or chapel? Most churches and or priests charge a pretty substantial fee for this service. To save money, consider having a justice of the peace marry you both. Arrange to have the marriage ceremony performed in the same place that your reception will be held. This saves your guests from having to find some place to go in between the ceremony and the reception. Don't have the money to rent an expensive catering hall for your reception? What about an upscale restaurant with a large private room. How about a local hotel or motel with a nice conference room? Book traveling relatives or friends there and save them the hassle of trying to find an address in a strange city or town. Would you consider a 'Knights of Columbus' hall or a 'Moose lodge' or a V.F.W. hall to house your reception? Most of these places have kitchens inside their meeting halls which will allow you to bring in your own food. Getting creative can sometimes save you thousands.

4) The food. Having friends or relatives volunteer to cook food for your wedding decreases your costs too. Most restaurants offer outside catering services to most any location. They sometimes provide waitresses and servers for you. Don't have enough money in the budget to feed everyone? Consider spending a little bit more for your wedding cake. Most wedding cakes are nothing more than plain chocolate or vanilla cake mix with a sugar frosting on top. Boring and forgetful. Serve your guests a cake TO DIE FOR! Choose many layers with mouth watering fillings. Black forest cake and German chocolate cake are two examples. Serve coffee, tea and soda instead of alcohol. Provide those new 'designer' potato chips, pretzels and a choice of dips to go with the meal. If alcohol is a must, purchase bottles from a supplier if possible and buy your mixers from a 'bulk' store like SAM'S or B.J.'s Wholesale club.

5) The ride there. Do you really have to take a limo from your home to your wedding ceremony? Does a friend or family member own a large sedan or s.u.v.? How about someone with a classic car or roadster? Imagine pulling up in a model 'T' or a 1968 Chevy Camaro.

6) Photos or video. Hiring a professional photographer can be expensive. Since practically everyone on the planet owns a digital camera, cell phone camera, or small hand-held video camera, include a little blurb on your invitation suggesting that everyone who plans to attend bring something along. Another great idea is to purchase those inexpensive single-use film cameras that you can buy for about $5.00 each and place one or two on each table where your guests will be seated. Leave a little note next to them inviting them to take as many pictures of your happy occasion as they'd like. The cost for developing them will be cheaper in the long run. As your guests depart supply them with your email address and ask them to send you the pictures they've taken. Load film stock paper in your home printer and press 'print.' You'll have enough to fill an album in no time. Or, download them onto a CD and send everyone a copy. Oh, and keep one for yourself.

7) The rings. Big tip here: SHOP AROUND!! Prices on rings vary greatly from store to store. Do they have to be gold? 10ct gold is a viable option. How about titanium, sterling silver or stainless steel? Has a parent or relative passed down a ring to you? Consider using one of these.

8) Wedding favors. Can't afford hand blown glass figurines as wedding favors for your guests? Time to get inventive. Try purchasing a roll of colored cellophane film like the kind you wrap Easter baskets in. Cut it into 10' by 10' squares, make a pouch out of it and fill the pouch with Hershey kisses and a one dollar gold coin. The bank sells these for a dollar. Tie the pouch up in ribbon and 'voila,' you have a wedding favor. Your guests can keep the coin as a souvenir or spend it at the 'dollar store'! Good luck and best wishes.

CAR TIPS: GAS MILEAGE, WINTER DRIVING, DO IT YOURSELF

Gas prices have started climbing again. It's us against them. Every mile we can squeeze out of a gallon of gas, we win. Here are some helpful tips; some you may know and others you may not.

1) TIRES. Pressure is the key word here and how it affects mileage. During spring, summer and fall, inflate your tires to 4-5 pounds BELOW the maximum recommended pressure printed on the side of each tire. Can't find that information anywhere on the tire? That's because the manufacturer doesn't want you too. Properly inflated tires last longer than improperly inflated tires. It's a no-brainer here. In the automotive world, 32 pounds of pressure is an industry standard. Every garage, tire outlet, and wheel alignment shop all set tire pressure to this number. It's a conspiracy! So, who stands to gain from this practice? The tire manufacturers AND the oil companies. How does this seemingly trivial disparity affect your gas mileage? In two big ways: First, because it is made of rubber, the more air you pump into it, the larger it's circumference grows. And second, as this happens, because it is attached to the rim, the narrower it gets in the process. So what, you may say. Geometry, I say. Those of you who went to school and who actually stayed awake during math class know that as any circular object increases in circumference, the longer it takes to make one revolution. In this case, it covers more ground. Think about it: If your tire is 52" around at 32 pounds of pressure but at 40 pounds of pressure it grows to 52 1/2" around, you cover an extra half inch with every revolution. Now, a half inch may not seem like a lot but over the course of a mile it adds up. How about an extra 50 feet per mile! So, think about how much extra ground you would cover on a 400 mile trip. This translates to more miles per gallon. In this article I mention how a tire gets narrower the more it inflates. How does this help MPG? Well, a narrower tire has less surface area as it rolls along the pavement creating less friction between the tire and road. And we all know what friction does: it slows you down. When tire friction slows you down, your engine has to work harder to keep it at speed. Using more gas. Can you feel your wallet emptying as we speak?

********************IMPORTANT WINTER TIP********************
When bad winter weather approaches and the roads become hazardous, LOWER THE AIR PRESSURE in your tires! What! Didn't I just tell you to pump them up? Yes, but in winter driving with slick and slippery roads, you need as much tire rubber making contact with the road as possible. This increases traction. No, not the traction that comes with a hospital bed, a rope and some pulleys. The traction you'll need to keep your car on the road. How much to take out? It varies from tire to tire but inflating them to just above half of what the maximum is, should do the trick. Is your gas mileage going to get worse now? Not really. You will tend to drive more slowly during these times so it should all balance out.
One more thing: Make sure your car's alignment is correct. An improperly aligned tire will create added friction and we know what that does.

2) Slow down, Mario Andretti! Would you like to see a SIGNIFICANT increase in your gas mileage? Would you like to see me pull a rabbit out of a hat? I never COULD master that trick, but I can tell you how to do the first one. While you are driving, unless you are merging onto a highway, pulling a heavy load, or fleeing pursuing law enforcement (O.J. Simpson excluded) there is no reason to rev your engine to more than half it's rev potential. What's a rev? The actual definition is unimportant here but to say that your ENGINE'S speed is measured in revs. If your car is equipped with a TACHOMETER, that device tells you how fast your engine is going. When it comes to miles per gallon, the goal here is to keep your engine running slowly. Why? Fast engine= more gas. Slow engine= less gas. Pick the best one out of the two. How do you keep your engine slow? Short shift. If you are driving a standard shift car, and you want to accelerate from a dead stop, you DO NOT have to rev the engine all the way up until it screams. Shifting from gear to gear every time your car reaches 2000 on your tachometer will GREATLY improve your gas mileage. Granted, your right hand and arm will be moving faster than you've been accustomed to but think of the savings!!
Here's another tip: DO NOT down shift to slow your car down. The gas money you save far outweighs the cost of brake pads.

3) THE AIR FILTER. A dirty air filter restricts air flow to your engine. Your engine mixes gas and air to make it run. Less air= more gas. Replacing your car's air filter is something you, the reader, can do yourself. Hey, don't run away, come back here. It's not as hard as you think. The hard part is FINDING it. Years ago when engines had carburetors, the air filter sat inside the big black round thing that sat on top of the middle of your engine. You would unscrew a wing nut, lift off the top and 'voila', there it was. It was round and dirty. On today' s cars they could be anywhere.
Look for them to be inside a plastic box of some sort. It might be a round box (huh?) or a square box. It will have duct work (huh?) leading from the front top or bottom of the engine compartment. Look for something with large, removable metal clips that you would undo to lift out something or to separate something. If all else fails, call your brother-in-law. He's not busy anyway. When you do find it, remove it, stomp it to death for costing you so much in gas money and replace it with a new one.

4) WHEN IS THE LAST TIME YOU REPLACED YOUR ANTI-FREEZE? If you don't remember, you're overdue. The industry standard is about every two years. Keeping your car from over heating and freezing in the winter time is important. Why? It keeps you from walking.

Recession over? Not by a long shot. Part 3

Here's another tip to dramatically cut your cost of living costs.
3) Stop wasting money heating your house! The most efficient way to heat a home is with a gas fired, forced hot air furnace. This is not to be confused with a heat pump. A heat pump is second only to electric baseboard heat for being inefficient for home heating. But because not everyone has a gas furnace heating their home, here is a suggestion on how to lower you cold weather heat bills. Go to your favorite, local big box building supply store and pick up a few small, portable heaters. They generally cost around $15.00 per unit. Look for the non-ceramic type but rather the small fan-forced heating element type. These are 110 volt heaters that draw about as much power as a small hair dryer. How to save $$$ with them is like this: During the night while you are asleep, there really is no logical reason to heat your entire house. You are in your bedroom, tucked snugly under your covers. Realistically, the only rooms you need to heat are your bedrooms so turn your house-heat thermostat down to 55 or 60. The first one up in the morning should then give the house a good shot of heat. These small compact heaters usually come with a thermostat enabling you to set your bedroom temperature to whatever you wish. The heater will cycle on and off during the night saving you hundreds of dollars in fuel costs. How do I know this? I personally have been doing this for years. I own three of them and keep one in my bedroom, one in my den and one in the kitchen. I can keep my heating and electric costs down to under $90.00 per month using this method. If you have kids, put one in their bedrooms too. Also, if your house is empty during the day, lower your house thermostat way down and set your portable heater thermostats down to 65 degrees. This will keep rooms of your choice warm for you when you get home at night. If this works for you, write me with your feedback. Best of luck, Ray

Recession over? Not by a long shot. Part 2

Here are more suggestions on how to weather this recession.
2) Shop wisely. Here's a newsflash: BULK IS BETTER!! If you don't have a Sam's club or B.J'S Wholesale club membership yet, get one! You will save hundreds on certain goods in the course of a year. All of your paper goods are cheaper: toilet paper, napkins, tissues, plastic cups, paper plates, aluminum foil, plastic wrap, garbage bags and paper towels. Bar soap is cheaper in bulk. Most food items are cheaper too. Coffee, creamer, breakfast cereal, oil, eggs and butter. Canned goods, salad dressings, flour, rice, mayonnaise and spices. If you rotate your stock of items so that you are replacing one large item per week, you won't feel the outlay as much. Use your grocery store for last minute items and fresh meats and fish only. The term, "Cheaper by the dozen" really applies to these bulk, chain outlets.