Anti-procrastination quote

A quote for the ages

"I will act now. I will act now. I will act now. Henceforth, I will repeat these words each hour, each day, everyday, until the words become as much a habit as my breathing, and the action which follows becomes as instinctive as the blinking of my eyelids. With these words I can condition my mind to perform every action necessary for my success. I will act now. I will repeat these words again and again and again. I will walk where failures fear to walk. I will work when failures seek rest. I will act now for now is all I have. Tomorrow is the day reserved for the labour of the lazy. I am not lazy. Tomorrow is the day when the failure will succeed. I am not a failure. I will act now. Success will not wait. If I delay, success will become wed to another and lost to me forever. This is the time. This is the place. I am the person."

Og Mandino

Check out his community www.ogmandino.com

mortgage fraud and foreclosure WSJ article

Is the Wall Street Journal trying to save jobs at a greedy, stupid mortgage companies? In the wall street journal article Friday Dec 21 "Fraud is seen as Driver in Wave of Mortgage Foreclosures" your reporters show a scheme where anyone with good credit can get a loan for any amount of money. Fraud was committed but it did not cause the problem - one need only look at the loan officers. First any competent loan officer will look at a credit report- it is more than a score. The credit report will tell the applicant's job as well as his high credit limits, length of credit etc. I have seen 700+ credit scores with a single credit card paid as agreed with a maximum credit amount of $2,500. This shallow 700 credit score would not qualify for a $40,000 car loan let alone qualify for a $1.8 million mortgage. Furthermore the credit report would show the applicant's occupation as a telephone technician. Anyone of competency would wonder how he transformed himself into a $50,000/month top officer of a marketing firm. There are also products on the net that show actual housing values in neighborhoods. One would wonder why anyone would write a loan for a property to return large sums of money back to the borrowers. Might this raise some red flags. Rather it was greed that prevented these officers from carrying out their fiduciary responsibility. It allowed the loan officers and the banks to grab their share of the market and make their hefty commissions. To make it seem like these banks were duped is to make us readers look as stupid as they were greedy.

pizza hut salad bar

So we go to pizza hut tonight a small 4 yr old walks up to the macoroni salad neatly dishes himself a plate without touching the part of the spoon with salad on it. just before putting the spoon back into the salad bar-- gives it one big lick. Sticks the spoon back into the container.

Scrumptious

wikipedia the book

So an interesting thing happened as I listened to the Wikipedia book which profounds the value of open source and free domain .... it is copyrighted all rights reserved.. things that make you go hmmmmm. here's your sign.

To hell with ESPN

So I sit down to watch the game- been hyped all week on ESPN2 the deuce- the dud.... blacked out the game - lets see I'm in Montana so I know the two east coast schools shouldn't be blacked out 1700 miles away --called my satellite provider- ESPN moved it to game plan AND for $21 I can buy the stinking game- I wonder if I buy it if I get the pleasure of watching commercials as well---

A start

Its a start a new BLOG every 7 seconds- I am reminded of a time at Thanksgiving staying in the dorm when everyone else went home for the holiday- went out and got drunk with some friends and then went home to my room.... somehow left the key in the door and locked myself in the dorm room with nealry nobody left in the residence hall and living in the basement with only 5 rooms down there. Can't remember how I Got out I think I pounded the door enough to knock the key out because the basement was at ground level and had security window screens. oh if you checked out this inaugural BLog I guess we did start off with the Beer theme so here we go---today drinking Bayern St. Wilbur Weizen - source Missoula MT- good beer ice cold from my Poach..... Also had a Sam Adams Ocktoberfest - source maybe Boston - typical Sam adams TOO syruppy - let the yeast do some work and make mo ALCOHOL...