I'm going to stuff all our money under our mattress...

Bernie Madoff will be sitting in jail for the rest of his life for operating the so-called largest Ponzi scheme in history. The actual amount of the fraud is estimated to be likely between $12 to $20 billion.

I was thinking about this and what a Ponzi scheme is (from Wikipedia, emphasis mine):

A Ponzi scheme is a fraudulent investment operation that pays returns to separate investors, not from any actual profit earned by the organization, but from their own money or money paid by subsequent investors. The Ponzi scheme usually entices new investors by offering returns other investments cannot guarantee, in the form of short-term returns that are either abnormally high or unusually consistent. The perpetuation of the returns that a Ponzi scheme advertises and pays requires an ever-increasing flow of money from investors to keep the scheme going.

So hasn't our government in essence been running a much larger Ponzi scheme in Social Security? Much larger and much farther reaching than what Madoff did? And actually, I just discovered that this is not my own original idea (also on Wikipedia):

Social Security has been a pyramid scheme from the beginning. Those who paid in first received money from those who paid in second — and so on, generation after generation. This was great so long as the small generation when Social Security began was being supported by larger generations resulting from the baby boom. But, like all pyramid schemes, the whole thing is in big trouble once the pyramid stops growing. When the baby boomers retire, that will be the moment of truth — or of more artful lies. Just like Enron. — Thomas Sowell, Capitalism Magazine

Others call it a "quasi" pyramid scheme because a true Ponzi scheme proffers a mythical source of revenue-generation, while social security payments have always been openly underwritten by tax revenue. Either way, this is a big deal. Consider:

• In 2004 the U.S. Social Security system paid out almost $500 billion in benefits
  
• The U.S. Social Security program is the largest government program in the world and the single greatest expenditure in the federal budget
• The program is currently estimated to keep roughly 40% of all Americans age 65 or older out of poverty

In general, I don't really have political leanings because I think I've become quite jaded to believe that few (if any politicians) have the best interest of the country in mind. I think debt is bad. I think programs like Social Security that are not sustainable and that drive us further into debt are bad. Like personal finances, the way to fix this is to spend less and/or earn more, implying that we need to tax more and spend less. But politicians fight for the opposite because that will win elections.

The things that keep me up at night...sigh...

Fire and Dynamite

Craigslist Cleanout

Jay cleaned out the garage some this weekend, and in there was an old Ikea dresser that he got before we were married. It's damaged and not really worth anything, and Jay just wanted to throw it out. He didn't even want to take it to Goodwill because he thought no one would want it. I convinced him that we should just put it on Craigslist for free so that we wouldn't even have to move it. He was resistant, but I insisted. And I'm not even kidding - I got 6 emails in 9 minutes! The dresser was gone within 3 hours of posting.

So then I got bold. Next, we posted this built-in thingy that was removed at some point from somewhere in our house and has been sitting in our garage since we moved into our house. We were totally going to trash it and I figured we'd throw it up there (for free) to see if we got any takers. Within 2 minutes, 2 emails. About 24 hours, gone!

After that one, Jay was ready to post all sorts of stuff and thought we should try for some $$. The thing with Craigslist, though, is people are looking for deals, especially if the deal is it's free. But good lesson learned - if you want to take something to Goodwill (or apparently to a dumpster) and it's semi difficult to get there, just put it on Craigslist!

My First Favorite Songs

How awesome is his hair? I remember one time when I was probably 5, I was mad at my dad for some reason so he put this song on because he knew I liked it, and it took all that was in me to not get up and dance around.

My parents bought me this tape at Hastings in Conroe.

I can remember listening to this in the car and making my dad rewind it repeatedly.

I never knew a Beetle sang this song!

(from 1987)

I can't believe this song came out 10 years ago...

Now that we are done with the first decade of the 2000s, the beginning of the 2000s is much farther away than it seems like they should be. Here are some other albums that came out in 2001 that make it feel like a long time ago:

• Weezer's green album
• Jimmy Eat World's Bleed American
• Destiny Child's Survivor
  
• even N'Sync (the album with that Dirty Pop song)! Who knew they even made it out of the 90s?!
  

Google 4eva

Did you know that the most visited website in 2010 was Facebook? And that "facebook" was the most searched term, followed by "facebook login."

Google came in second. This is absolutely mind-boggling to me as one of Google's most dedicated customers (and yes I know I'm not actually paying for anything...but I am loyal). Do you know how many times a day I google "excel how to..."? Today, Google taught me about indirect cell referencing in Excel, explained that honey doesn't go bad, showed me how to get to a wedding cake tasting place (more fun when you're not the bride I think), helped me find a conversion chart for yards of trash into tons... I mean, what did Facebook ever do for me?!

Goal #6: Read More

Last week I sent a list of goals I have to Jay.

Sidenote: Although this is happening at the beginning of the year, I wasn't really inspired by the idea of New Year's Resolutions...I was inspired by a friend who was in town for Christmas and we met up with who is always trying out new things. For instance, this year she wanted to try some tap-dancing classes and is doing a series of paintings. Last year, her husband got her an accordion, so she learned how to play it. I figured if I didn't really think about what I would like to try out in life besides go to work everyday I might not ever do anything else.

Back to the main story. Goal #6 was "Read more." So now I'm a reader. And since I also decided that "you can't manage what you don't measure" (words of wisdom from a business school friend), I'm keeping track of what I read on Good Reads, which I actually joined probably a year ago and have never actually done anything with. So if you're on there, we can be friends.

I might try to set a goal like a book per month or something, but right now my only criteria is to not actually buy any books because of Goal #4, which was "Declutter our house and live more simply (ie buy less and buy more intentionally)." And since I don't think I've ever reread a book or see value in having most books after they are read, I with intentionally not buy any. Luckily I've already got about 5 or 6 lined up!

Pomplamoose

My mom asked me the other day who these people in this commercial were - she thought they looked like we should be friends with them. They are a band called Pomplamoose, and they are another good example of a band totally made by YouTube.

Here they are in action (for Jay):


And the girl is just amazing...and I've always loved this song:


I actually ran across them totally by accident when I was reading up on Ben Folds (did anyone see him on The Sing Off? - I just love him). They did this pretty cool collaboration with an author:

I just decided...

...that gift bags are cheating. Plus, you can regift them, which makes them that much less personal. And there is no challenge. For instance, I like to see if I can get 45 degree angles on all my corner folds. My brother-in-law likes to see how few pieces of tape he can use when wrapping.

Name the Worst Font on the Count of Three...

I believed that unarguably the worst font of all time was Comic Sans (when googled, this is the first page to come up). But my sister and her friend both voted Papyrus. So I decided to do some extensive research (ie I googled) and found "America's Most Fonted: The 7 Worst Fonts":

1. Comic Sans MS (of course...and I will think even worse of you if it is purple and used in your email signature)
2. Bradley Hand ITC
3. Curlz MT
4. Papyrus (still not acceptable if you work at a church)
5. Vivaldi
6. Kristen ITC
7. Viner Hand ITC

So let's just all agree to look for some better fonts. My sister and I share a fondness for Gill Sans. Jay likes ITC Avant Garde. When in doubt, just go with Helvetica.

Sleigh Bells

Note: This is completely not Christmas related. But there is something about this song that every time I hear it, I can't help but totally dig it. They classify themselves as a "noise pop music duo," which I think is totally fitting because they incorporate weird sounds into their music in a totally MIA-esque way. What's most awesome about Sleigh Bells is that they formed when the dude of the band was waiting tables and mentioned to a customer that he was looking for a female vocalist. Customer volunteered her daughter. And Sleigh Bells was formed.



And here's another (and an actual music video this time as opposed to a random irrelevant thing I found on You Tube):

Great Christmas Music - 8

Gatlin Elms - "Jerusalem, Our Lord Has Come!"

I just love this song. Jay mixed it for them, and one of my favorite things about Jay working on other people's music is getting to hear such a wide variety of things (some things I like, some I don't...but this one is great). Plus, it's an original!

Go here to read about and stream the demo.

Great Christmas Music - 7

Olivette - "See Amid The Winter's Snow"



I put this one up before, but I've gotten better at making my videos since then! Jay played drums on this album last year, and I really like it. AND Brian Mann played keys.

Great Christmas Music - 6

Brian Mann - "The First Noel"

Jay played drums on a studio project with this guy, and he's pretty amazing. He recorded this piano album last year just cause why not - he's amazing. It's on iTunes (album is called "Simple Christmas"), and 10% of sales go to support efforts to bring clean water to Haiti.

Great Christmas Music - 5

Sixpence None the Richer - "Silent Night" (version on City on a Hill)

Great Christmas Music - 4

Sufjan Stevens - "O Come O Come Emmanuel"

Great Christmas Music - 3

Vince Guaraldi Trio - "Christmastime is Here"


If you look on our iTunes, this album is one of the most played. Jay literally listens to it year-round.

Great Christmas Music - 2

Relient K - "I Celebrate The Day"

Amazing Cover

And she recorded it in GarageBand (ie not a good audio program)!


[This was on Perez Hilton almost a year ago and might have been how we discovered Florence + The Machine to begin with...here's the original]

And then one day at work, Jay sent me his own version:
[Note: I don't know how to post audio, so I turned it into a video myself. But I didn't try very hard.]

PS - I've decided I need to start posting more stuff Jay does because he will whip something like this up (especially after he discovered auto-tune) and I just think it's amazing.
PSS - 2nd pic is at 2 in the morning as Jay and I completed priming our new baseboards, 3rd pic is brother-in-law Jared, 4th pic is me and the moms at St. Arnold's brewery.