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Unlimited Spending Cripples Families, as Well as Nations

Sustained deficit spending eventually erodes your ability to prepare for the future and, perhaps worse, to capitalize on current opportunities.

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Joe Biden and company, supported by the U.S Senate, including 19 turncoat GOP senators, is delusional when it come to spending money. A couple trillion dollars here, and a couple trillion dollars there, and soon enough you are condemning future generations to live a life of servitude to the Chinese.

American society in general is predisposed to conditioning us to consume more than we need and to spend more than we make. This kind of recklessness is a guaranteed recipe for disaster. Taking back control of your finances can help you to be more in control of your life.

Think back to your high school and college history classes: can you recall a nation in the history of the earth that accumulated huge deficits over a prolonged period of time, lacked a concerted effort towards reducing these deficits, yet was able to sustain economic prosperity for its citizens?

Can a nation, in debt for trillions annually, or a person – namely you – consistently run up huge deficits and expect no consequences?  For decades, tens of millions of Americans have accumulated personal debt via credit cards, loans, and other forms of financing. It’s likely that you have some financial debts.

Silent Servitude

Sustained deficit spending eventually erodes your ability to prepare for the future, and worse, to capitalize on current opportunities. The more you owe, the more enslaved you are! In The Overspent American, Dr. Juliet Schor notes that you’ve likely been taught to consume more than you need.

Right now, how would it feel if all your credit cards were paid off? How would it feel if you paid your monthly rent or mortgage several months in advance? How would it feel if your car loan was paid off? How would it feel if you were actually able to pay some of your utility bills for months in advance? For most people it would feel great. You’d feel in control of your time.

We all know the arguments about losing the (minuscule) amount of interest you could have earned if you let your money sit in the bank instead of paying the electric bill three months in advance. Ah, but wait. A month after you’ve paid your electric bill three months in advance, you receive the next month’s bill. Guess what? It shows that you have a huge credit and that nothing is due – you’ll smile when you see these kinds of bills!

Halt the Spending

To reduce your personal debts, place a moratorium on optional spending, regardless of what items entice you, until your credit cards have zero balances.

Let’s not confuse issues, however. There is value in paying others to do that which you don’t like to do. These are separate issues. Paying for something that frees up your time is a life benefit. Paying for material things which you don’t need, and certainly don’t save your time, might be satisfying, but ultimately can be draining.

Here are some useful exercises for controlling your checkbook, and hence reclaiming your life:

1. Write out checks to pay bills in advance of their due dates. Then, keep an advance file with a folder for each day of the month. Place the check in a sealed, addressed, and stamped envelope. Then put the envelope in the folder of the day it’s to be mailed. This way the money is allocated in advance in your checkbook, and your bills are paid on time. If your checking account pays interest, you don’t lose interest.

2. Occasionally, overpay the balance on your continuing accounts, or pay early. This gives you the aforementioned psychological boost when you see a credit on your next statement, and gives you a good reputation with your creditors, which is handy!

3. Keep a stick-on note in your checkbook for an immediate reference that lists what’s coming in this month and what needs to be paid. This provides you with a running mini-cash flow list you can refer to at will. Update it every week, or day, if necessary.

4. Review old checkbooks and see what you paid to whom for what. Do the same thing with your monthly credit card statements. Put a red mark next to all those expenditures that you didn’t need to make, or that you could have done without after further consideration.

5. Now, considering expenditures on the horizon, which ones can you do without?

Save More, Spend Less

As noted author and speaker Roger Dawson says, “It doesn’t matter how much money you’re making; if you’re spending more than you take in each month, you’re headed for trouble.” If you spend less than you take in, eventually your debt will decrease, perhaps even disappear.

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Jeff Davidson is the world's only holder of the title "The Work-Life Balance Expert®" as awarded by the U.S. Patent and Trademark Office. He is the premier thought leader on work-life balance, integration, and harmony. Jeff speaks to organizations that seek to enhance their overall productivity by improving the effectiveness of their people. He is the author of Breathing Space, Simpler Living, Dial it Down, and Everyday Project Management. Visit www.BreathingSpace.com for more information on Jeff's keynote speeches and seminars, including: Managing the Pace with Grace® * Achieving Work-Life Balance™ * Managing Information and Communication Overload®



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Business

Corporate America’s Grand Social Engineering Scheme

Board rooms are flooded with wokesters who seek to skew reality

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A while ago I wrote an article about an apparent grand social engineering scheme, now at least five years running, hatched by corporate America. Since then the situation has accelerated, hence this end-of-the-year update.

To begin, in viewing the ever-lengthening list below of companies and products below, do you discern any common denominator?

ADT, Amazon, American Express, American Home Shield, Amex Travel, Aplus.net, Anheuser-Busch, Armorall, Aplus.net, AT&T, Axe Ice Chill, Bank of America, Behr Ultra, Best Buy, Blue Cross and Blue Shield of North Carolina, Bombas Underwear, Booking.com, Bud Light, Cadillac, Calvin Klein, Capital One, Carolina Keno, Casper Mattresses, Celebrity Cruises, Centrum Silver, Champion Windows, Chase, Cheerios, Choice Hotels, Cinemark, Clearblue, Coors Light, Corolla Cross, Corona Seltzer, Cricket, Credit Karma, CRS Temporary Housing, Dawn, Dell Technologies, DirecTV, Disney Cruise Lines, Domino’s Pizza, Ecolab Science, Entresto, Entyvio, Expedia, Experian, Fidelity, Freshly.com, GEICO, GetRoman, GlaxoSmithKline Trelegy, Glidden, Grammarly, and Grand Wagoner.

Also, Hagerty, Harris Teeter Supermarket, Heineken, Home Depot, Honey Maid, Humira2, Hyundai, Ikea, Ingressa, Intel, Joybird Furniture, JP Morgan, Just For Men, Kay Jewelers, Keebler, Kesimpta, Kia Motors. Kohl’s, Latuda-Lupin Pharmaceuticals, Liberty Mutual, Lincoln Financial, LL Flooring,  Love Sac Furniture, Macy’s, Marriott Bonvoy, McDonald’s, Mercari, Michelob, Michelob Golden Light, Michelob Ultra, Miller Lite, Mountain Dew, My GMC Card, NBA.com, NerdWallet, Nestle’s, Nioxin, Nissan, Nissan Versa, Notre Dame University, Ocrevus-Genetech, Old Navy, Olive Garden, Opendoor, Otezla, Pepsi, Polident, Prevnar 20, Progressive Insurance, Public Broadcasting System, Rayban, ReMAX, Rocket Mortgage, Rooms to Go, Royal Caribbean Cruise Lines, Rybelsus, and Saga River Cruises.

Add in Samsung Galaxy 21, Serta Arctic, Smile Direct Club, Smithfield Foods, Sonic, Spectrum Business, Spectrum Originals, Starbucks, State Farm, Subway, SunglassesHut.com, T-Mobile, Taco Bell, Tahoe South, TalkItOutNC.org,Target, Terminex, Tide, TheRocketAdvantage.com, TJ Maxx, Tommy John Underwear, TouchOfModern, Toyota, Travel Oregon, VacationsToGo, Valspar Paints, Vanda Pharmaceuticals, Visit Albuquerque, Visit Florida, Vivint Smart Home Security, Vizzy Hard Seltzer. Walmart, Wayfare, WeBuyAnyCar, WellCareWells Fargo, White Claw Hard Seltzer, Wimbledon, Vacasa, Volkswagon, Vroom.com, and Zeluja.

A Campaign Unlike All Others

No clue? Every single entity above features television commercials or web advertisements with a black male paired with a white female. Most couples appear to be married or part of a long-term relationship. Or, the pair appears to dating.

This past spring, Michelob launched a commercial, unique in its approach to selling beer. A petite, highly attractive red-headed woman, in an extremely short tennis dress, holding two bottles of Michelob, dances along a tennis court, in a highly suggestive, sexually alluring fashion. At mid court, she hands her black male partner one of the bottles, and they toast.

Nothing to see here, undoubtedly in everyday life, we’ve all witnessed very attractive redheads in decidedly short tennis skirts do a highly suggestive, sexually charged dance on the way to their male partner. Oh, you haven’t?

Skewing Reality

The incidence of mixed race couples in society has been on the increase since the 1970s. Nevertheless, since blacks represent less than 13% of the U.S. population and black men represent roughly 6% of the population, it is a statistical anomaly that so many TV commercials feature such a pairing, with white males out of the picture.

An ever-expanding array of woke advertisers apparently need to re-affirm their virtue signaling. Amex Travel, Armorall, Bank of America, Blue Cross and Blue Shield of North Carolina, Capital One, Entresto, Entyvio, Freshly.com, Home Depot, Kay Jewelers, Michelob, Otezla, Progressive Insurance, Sonic, Starbucks, T-Mobile, Taco Bell, Toyota, and Wayfare feature at lease two different TV commercials, with each pairing a black man with a white woman and, in some cases, in a car with white children in the back seat.

In one Nestle’s commercial, the white wife of a black husband aggressively tells us her first name. One particular GetRoman commercial features two different pairings of a black man and a white woman, as does a particular Rocket Mortgage commercial. Rybelsus features two different black male white female parings in the same TV ad.

Ubiquitous, to Say the Least

Black man — white woman commercials are now so ubiquitous that in some cases you’ll see such TV commercials back-to-back, and occasionally even back-to-back-to-back. Might the unassuming, casual viewer wonder, “What’s going on here?” Who decided to engage in mass social engineering?

Samsung, Budweiser, Trojans, Grey Goose Vodka, and PNC Bank depict a more casual relationship between a black man and a white woman. In other cases, only fleeting glimpse of such couples are offered, as with Google, JCPenney, Nissan, and Busch Garden commercials. Travel Oregon employs black man — white woman claymation figures to lure potential vacationers.

In one Amazon TV commercial, a black man is brushing his teeth as a white woman sticks her head out of the shower and says, “That’s a low price.” Two children, one black and one white, are all in the bathroom with them at the same time.

Unlike Anything You’ve Seen Before

A Bombas underwear commercial ends showing the backsides of a white woman and black man each in the their underwear, holding each other, in a risque pose, unlike anything you’ve ever seen in a TV commercial.

Aleve features a white woman with a black child on her shoulders. Zeluja shows a gleeful grandmother accompanied by her two mixed-race grandchildren on a boat around the lake. Eyemed features an early 30s white woman embracing her apparent mixed race son. LL flooring features a couple lying on a hardwood floor. The white woman says, “I love you Steve” and then the black man says, “I love you Steve.” It turns out the flooring salesman is named Steve.

In a Starbucks commercial — you know, the company headed Howard Schultz, who proudly proclaimed in 2017 that he was going to hire 10,000 refugees over the next five years and was upended by a populist backlash that sought to know why he didn’t proclaim the quest to hire 10,000 U.S. veterans — a black man and a white woman enter a Starbucks, about to hold hands, for apparently the first time. The commercial’s closing sequence reads, “Starbucks, your happy day is here.”

Scenarios Unprecedented

Anyone can be in love with anyone, and certainly anyone can be in a relationship with anyone. What is unfolding in corporate and ‘progressive’ America, however, that results in the extreme over-accenting of mixed race couples? Note that Hispanics and Asians generally are not part of this phenomenon.

When a black man in a TV commercial is actually paired with a black woman, she always has lighter skin. If a black man is featured with his apparent children, they always have much lighter skin, leading to the conclusion that the mother is white, such as with Truist Bank, Chevy Bolt, and Blue Cross of North Carolina. In many cases, the darker complexion for the man, the lighter complexion for any offspring. Is the underlying message that dark-skinned women are undesirable?

With T-Mobile, a white woman wearing a wedding ring is resting her head in the lap of a black man. I’ve been watching television for 60 years and have never seen such poses depicted in any TV commercial with a white husband and wife, or a black husband and wife. For some reason, however, today’s corporate entities feel compelled to show us a black husband and a white wife in amorous scenarios unprecedented in television advertising history.

Likewise, GetRoman.com offers an exceedingly bold, racy TV commercial that leaves nothing to the imagination with a black male stating, “Sometimes you’re not ready,” whereupon his white female partner, in a skimpy black dress and high heels proclaims, “We’ve got this,” and they march off to the bedroom.

Abroad and in Print

Ethnic Europeans, who comprise more than 90% of the continent, are puzzled by what they see as an anti-white propaganda campaign conveyed through television commercials. The promotion of mixed race relationships, with a white woman and a black man, in particular, has become so commonplace that even unobservant viewers have noticed.

Magazine and website ads in the U.S. such as DiscoverTheForest.org, by the U.S. Forest Service pairs a black man and a white woman holding hands as they strolled through a forest with two mixed-race children proceeding them. Fidelity Investments features a black man and a white woman leaning on a railing, staring at the horizon, in the planning for their retirement. Farmbox, BathFitter, Jonathon Paul Fitovers, and OTC Network follow the same pattern.

What is the end game behind interracial commercials? Are corporate board rooms flooded with wokesters who feel compelled or coerced to skew reality in this particular way?

Show us the Sales Data

Since corporate advertising is specifically designed to bolster product and service awareness and, ultimately, revenue, do such companies believe that black/white pairings will help them with their sales? I’d be interested in seeing their data.

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Justice, not ‘Social’ Justice, Improves Society

If we ignore existing laws simply in favor of what we want, society will soon break down

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Thomas Jefferson wrote that, “The most sacred of the duties of government is to do equal and impartial justice to all its citizens.” The hallowed duty to fulfill the promise of justice for all remains, or ideally should remain, as the guiding ideal for the people we elect to government.

A friend of mine recently commented that the ‘social’ justice movement in America is alive and well, and that great things have been happening. However, when you put any word in front of the word ‘justice,’ the true meaning of justice is altered. Social justice is some group’s attempt at righting what they consider to be wrong.

I asked my friend for an example of social justice and was told that power lines being installed near poor neighborhoods instead of wealthier neighborhoods was a prime example. I then explained that that was not an issue related to ‘social’ justice but to justice itself.

Express Lanes for Redress

This is not 1860, or 1960. Today, many avenues exist for illuminating any issue of merit. Locally, there are zoning boards in every municipality, city councils usually with members on the left and the right, town hall meetings, public forums, newspapers, local television stations – a variety of entities that can be brought to bear to examine an issue and to forge some type of equitable redress if needed.

To be sure, no form of political government is anywhere near perfect or even equitable, much of the time. Democracy is difficult, but all other forms of government are worse.

In a democracy, or representative republic, such as we have in the U.S., you can’t go off half-cocked and do exactly what you want because you think that a particular law is bad. You have to work to change the law, to change policies, to address inequities within the framework of democracy, and within the bound of the justice system.

A Sanctuary for Whom?

Consider the phenomenon of sanctuary cities. For a sanctuary city to exist, one has to have a mayor, an alderman, city council members,  and other committee members, including those whose were elected as well as as appointed, to believe that what they’re espousing is right, while ignoring what has been passed into law. This ruling class thus usurps that which a majority of citizens rely upon each day.

A sanctuary city, by definition, is a city that is breaking the law. The Left will rationalize that ‘social’ justice requires breaking the law and that not all laws are good laws. True: not all laws are good laws. Laws, nevertheless, were passed as a result of a process in place for tens if not hundreds of years.

If laws routinely discriminate against one segment of the population versus another, then by all means work to change the law. When you insert catchphrases into the mix, such as ‘social’ justice, what that actually means is that you have another viewpoint of an issue. Further, you deem that your view and your actions are more meritorious than whatever came before them.

Vigilantism isn’t Pretty

Years ago, by exhibiting such behavior, you would be called a vigilante. Vigilantes are a self-appointed group who engage in policy enforcement without having legal authority, usually because they deem the legal agencies to be inadequate.

We dwell in a society where the media is distinctly liberal, and even leftist – as we have witnessed with big tech, the big TV networks, nearly all newspapers, and, unfortunately, a variety of government agencies. Thus, those advocating for ‘social’ justice have the wind at their backs. Yet, they violate the rights, and votes, of half the population and perhaps much more.

Welcome to My Two Cents

Any one of us could offer a long list of social issues that we’d like to change. If we decide, willy-nilly, to start ignoring existing laws in favor of what we want, how long will it take before society breaks down completely? Taking the law into your own hands is the essence of what it means to be a vigilante. Vigilante-dominated societies are not healthy. Many of their residents live in constant fear.

Taking the law into your own hands is an ill-advised shortcut to seeking what you want without working through the system, however imperfect the system might be. This country, any country, does not need more vigilantism.

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