Saturday, November 20, 2010

The Real Thanksgiving


A reader's comment reminded me of this true story of Thanksgiving, told by Rush Limbaugh, in a way only he can tell it. Good luck finding this story in your child's classroom.

Time now, ladies and gentlemen, for The Real Story of Thanksgiving, as written by I -- by me -- in my second book, See, I Told You So. It's page 70 in the hardcover version. "On August 1, 1620, the Mayflower set sail. It carried a total of 102 passengers, including forty Pilgrims led by William Bradford. On the journey, Bradford set up an agreement, a contract, that established just and equal laws for all members of the new community, irrespective of their religious beliefs. Where did the revolutionary ideas expressed in the Mayflower Compact come from? From the Bible. The Pilgrims were a people completely steeped in the lessons of the Old and New Testaments. They looked to the ancient Israelites for their example. And, because of the biblical precedents set forth in Scripture, they never doubted that their experiment would work."


Now, you know the usual story of Thanksgiving: They landed. They had no clue where they were, no idea how to feed themselves. The Indians came out, showed 'em how to pop popcorn, fed 'em turkey, saved 'em basically -- and then white European settlers after that basically wiped out the Indian population. It's a horrible example. Not only is that not true, here is the part that's been omitted from what is still today taught as the traditional Thanksgiving story in many schools. "The original contract the Pilgrims had entered into with their merchant-sponsors in London called for everything they produced to go into a common store,' when they got here, 'and each member of the community was entitled to one common share. All of the land they cleared and the houses they built belong to the community as well.




"They were going to distribute it equally. All of the land they cleared and the houses they built belonged to the community as well. ... [William] Bradford, who had become the new governor of the colony, recognized that this form of collectivism was as costly and destructive to the Pilgrims as that first harsh winter, which had taken so many lives. He decided to take bold action. Bradford assigned a plot of land to each family to work and manage, thus turning loose the power of the marketplace. ... Long before Karl Marx was even born, the Pilgrims had discovered and experimented with what could only be described as socialism,' and it had failed" miserably because when every put things in the common store, some people didn't have to put things in for there to be, people that didn't produce anything were taking things out, and it caused resentment just as it does today. So Bradford had to change it.




"What Bradford and his community found was that the most creative and industrious people had no incentive to work any harder than anyone else, unless they could utilize the power of personal motivation! But while most of the rest of the world has been experimenting with socialism for well over a hundred years – trying to refine it, perfect it, and re-invent it – the Pilgrims decided early on to scrap it permanently. What Bradford wrote about this social experiment should be in every schoolchild's history lesson. If it were, we might prevent much needless suffering, "that happens today and will happen in the future." 'The experience that we had in this common course and condition, tried sundry years...that by taking away property, and bringing community into a common wealth, would make them happy and flourishing – as if they were wiser than God,' Bradford wrote.




"'For this community (so far as it was) was found to breed much confusion and discontent, and retard much employment that would have been to their benefit and comfort. For young men that were most able and fit for labor and service did repine that they should spend their time and strength to work for other men's wives and children without [being paid] that was thought injustice.' ... The Pilgrims found that people could not be expected to do their best work without incentive. So what did Bradford's community try next? They unharnessed the power of good old free enterprise by invoking the undergirding capitalistic principle of private property. Every family was assigned its own plot of land to work and permitted to market its own crops and products. And what was the result?"


Here's what Bradford wrote, the governor of the Massachusetts colony. "'This had very good success,' wrote Bradford, 'for it made all hands industrious, so as much more corn was planted than otherwise would have been.' Bradford doesn't sound like much of a Clintonite, does he?" or an Obamaite, if I can update it. "Is it possible that supply-side economics could have existed before the 1980s? ... Anyway, the pilgrims found "In no time, the Pilgrims found they had more food than they could eat themselves. ... So they set up trading posts and exchanged goods with the Indians. The profits allowed them to pay off their debts to the merchants in London. And the success and prosperity of the Plymouth settlement attracted more Europeans and began what came to be known as the 'Great Puritan Migration.'"





Very few people have heard this story or have had it taught to them -- and the "thanks" was to God for showing them the way. In later parts of the chapter, I quote John Adams and George Washington on their reminisces and their thoughts on the first Thanksgiving and the notion it was thanks to God. It was an entirely different story than is being taught in the schools. It's been muddied down, watered down all these years -- and now it's been hijacked by the multicultural community -- to the point that the story of Thanksgiving is the Pilgrims were a bunch of incompetents and were saved only by the goodness of the Indians, who then were wiped out. And that's what kids are being taught today -- 'cause, of course, you can't mention the Bible in school, and that's fundamental to the real story of Thanksgiving.

TobyLaura.com

Saturday, October 16, 2010

Back to the Mac



What does Apple have in store for us Mac users? "Back to the Mac" implies there will be emphasis on the computer/operating system side of things (instead of the focus on iOS, if you hadn't noticed the release of new iPhones, iPads, and iPods). An update to iLife? A new MacBook Air? A new operating system called Lion? Wait and see what Apple has up its sleeve on October 20th.

TobyLaura.com

Tuesday, October 05, 2010

New Photos


Sorry it's been so long, but we uploaded some new photos to our Photo Albums page! Click the Photo Albums link at the top of the blog, or the picture above, to see photos of our latest cruise, water skiing, San Francisco, Auroras at work, and our latest vacation to the Smoky Mountains. Enjoy!

TobyLaura.com

Saturday, September 11, 2010

Setting up your Mac


If you have a brand new Mac, or will be buying one soon, it could be very helpful to check out Lloyd Chambers's website on how to set it up to run in a very high performance, efficient way. Simple but effective ways to make your new Mac better are to get rid of bloatware, use multiple hard drives and make use of partitions. This is all best done the day your new Mac arrives so make sure you read his site prior to a big computer purchase. His Mac setup article is here (and just follow the links at the bottom of each page for the article to continue.)

Good luck and enjoy!

TobyLaura.com

Thursday, September 02, 2010

September means:

If it's September, it means fun new products from Apple!

If you are in the market for a new toy (and in this economy, who really is?) then check out Apple's website for new fun things like a touch screen iPod Nano, new iPod Touch with FaceTime, upgraded iTunes, and a new, $100 Apple TV.

Enjoy!

TobyLaura.com

Monday, August 30, 2010

Lucky Man

This is a different video than what I posted a few weeks ago, but it's by the same film maker. He calls it Dawn Patrol, but I like to call it: Freight Dog, a pilot's life. It's a great video, and the Verve sounds pretty good as background music too, which makes the next four minutes pretty awesome. Enjoy.



TobyLaura.com

Sunday, August 29, 2010

Credit Report


I was browsing Dave Ramsey's website and came across AnnualCreditReport.com. I've seen so many gimmicky ads on television promising access to a free credit report, but the fine print reveals that they all have strings attached, like "Offer involves enrollment in . . . " so the report is free but the attached strings are not.

Luckily, we all get access to our credit report for free as stipulated by government regulation. You are entitled to one report each year and the big three credit bureaus will allow you access to yours annually. Enter Annual Credit Report. It is recommended by Ramsey because it truly is free, with no strings attached, and works with the credit bureaus directly. TransUnion, Equifax, and Experian are the three credit reporting agencies that hold the keys, as the gatekeepers, to what your credit report is made up of, and thus the determination of your FICO or credit score. You'll still have to pay (about 8 bucks) for your actual score, but if your report is good and clear, then your score will be good, no matter what the actual number is.

It's good to take a look at your report from each agency once a year to make sure that there aren't problems developing that you aren't aware of. Someone may try and take your identity and open up credit card accounts, or like what happened to me, I found that a credit card that was supposed to be canceled long ago was actually still showing open. 78% of people have some sort of incorrect record on their credit report, like current employer, address, or worse, an incorrect late payment status. If you pay all your charges on time and don't miss payments, you'll have a decent score, but the FICO score also takes into account how much credit you have, and how much debt you have.

As far as the scores go:
Below 600 is bad.
600-700 is so-so, but you won't get the lowest rates for loans.
720 and up is considered good.
850 is the top (0.5% of America sits here).

Things that can increase your score are things like how long you've had credit with one company. Keeping a credit card from college onward shows that you can be responsible for a long time and there is a long history on your credit. Keeping the ratio of your spending to credit available to around 10% helps too. If you have $20,000 available on a credit card, don't spend more than $2,000 a month to boost your score. Don't have too many credit cards and never sign up for things like "90 days same as cash" plans. When you buy your next couch, don't pay zero interest for a year, just pay for it in full. These zero interest plans are usually used by people who have a hard time paying for things and you'll be put in that category.

Ultimately, your score isn't all that important, but your report is. If you aren't about to buy a house or get a loan for a car, then who cares if your score is 700 or 800? As long as you are responsible with the credit you do have, your score will take care of itself. My score, 760, is actually lower than I thought it would be, but then after thinking about it, I could see why: I've only got one credit card, and I've only had it for three years. My older cards have all been cancelled, so I don't have the history the credit bureaus like to have. I don't have much debt (except the mortgage) and that hurts the score too. But so what? I'm not going to pay interest charges on a new loan just to boost my score. As long as you are above 730ish, you'll get the same interest rates as someone who has an 850.

Make sure you stay on top of your payments, allow your actual score to suffer a bit for the sake of getting out of all debt, and make sure you credit history looks good by checking your report once a year, for free, at AnnualCreditReport.

TobyLaura.com