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Tom Kuehne: The Good Old Days
“The Good Old Days” -By Tom Kuehne
Depression Changes To be able to supply the family with
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The Great Depression has had an food, many individuals made beer and effect that is still whiskey for a small additional income. hauntingus today. Others looked to the surrounding area Prior to the stock harvesting fish, pheasants, ducks and market crash, rabbits for food. Excess amounts of the bank failures these food products were sold or traded and the drought, to others. In one case, a fellow paid Americans lived kids a nickel for cottontail rabbits and a in a “pay as you dime for jackrabbits. He also purchased go” country. If squirrels from his local hunters. These you figured out animals were purchased in the fall when how to have cooler temperatures prevailed. They were enough to eat, gathered until there was a large enough keep a roof over numbertotakethemtoacityforsale.One your head and set time he filled the box of a 1 ½ ton truck aside a little money for your old age, you with rabbits, took it to the city and sold were doing what was expected of you as them all in a couple of days. This seems an American. The system worked pretty to indicate how hungry the people had well. The old folks spent their later years become. in their homes or the homes of the kids. In 1935 things changed. The There were charities that may add some Government began to release money to nutrition to those in need. The seniors help relieve the lack of money. Social weren’t faced with excessive medical Security was created to assist seniors, bills, since the medical world had not disabled,widowsandorphans.Thebenefit yet identified some ofthe ailments or the varied from $10.00 to $65.00 per month. medicines to cure them. Life expectancy To relieve the unemployment situation was not into the 80’s or 90’s, there was a CCC Camps and the WPA were created feeling that when one was no longer able to makejobs buildingforests,government to contribute to society, it was time to go, buildings, bridges, playgrounds, streets since it was difficult enough to feed the and many other needed community productive family members. projects.The difference fromwhatwe see
In 1935, the height of the depression today is that the individuals receiving the found a ¼ of the population without incomewererequiredtosupplytheirlabor an income and 50% of seniors living in to earn it. poverty. Banks were closing and taking The changes that occurred during the with them the security that the citizens depression are still with us today. Social had worked their lifetimes to accumulate. Securitycontributions havecreatedafund Farms were facing closure due to drought that in some cases is the only income and prices that were far below the cost of source for Seniors. Economic help from production due to consumers inability to the government no longer requires that paymoneyforfood. Manywereunableto the recipient supply their labor to earn it. pay mortgages andas aresultwere forced Large numbers ofrecipients now have no from their homes. My Grandmother told of living one year with a gross family income of $200.00. There were actual TUESDAY NIGHT cases of parents giving children up for Serving 5-9 PM adoption, since they another mouth to feed. was aratherunpleasant could not afford In other words, it situation. Buy a Homemade 14” PIZZA, Get FREE Dine In or Take
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job,butfeeltheyhavetherighttodemand more free money through constant complaininganddemonstrating.Theyfeel that they deserve more, just because they are special citizens thatdeserve it.
EachyearAmericans areallowingthe governmenttosupplymorefreehandouts. Our thinking has certainly changed. Each yearthere are less workers andmore freeloaders. Other than the pride of being productive, it seems that the free-loaders
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Flowers on our dock on Big Birch Lake! Submitted by Liz Hughes.
3 steps to avoiding financial crisis
By Rachel Cruze future and made plans to accomplish The state of them. Only 3% ofthem had written down the economy, and theirgoals andplans.Thirteenpercenthad our country as we goals, but hadn’t written them down. And knowit,iscrazyat 84% ofrespondents didn’t have any goals the moment. But I atall. don’t want you to Ten years later they followed up with live in fear. I want the students. The 13% who had goals that you to take a deep weren’t written down were earning twice breath, and know as much as the 84% who had no goals at that you can conall.Buthere’stherealkicker: The3% who trol your financial hadwrittendown theirgoals were earning future. Here are 10 times more than the other 97% comthree things you bined. should do with That’s the power of a written goal. I yourmoney rightnow. can’t emphasize enough how crucial it is 1. Write down your financial goals thatyouwritedownyourgoals.Yourgoals
I recently read about a Harvard study can be anything from getting out of debt on written goals. They asked students if bytheendoftheyear,tomakingaplanfor they had set clear, written goals for their retirement. Even your budget counts as a
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The family of Marie Atkinson would like to thank Fr. David Grundman for the beautiful Mass, JackPeterson forproviding the music, MillerCarlin fortheirexcellent guidance, and to family and friends for their prayers, cards and special memories they shared with us.Also thank you to the staffat Mother ofMercy inAlbany and Comfort Care atthe St. Cloud Hospital.
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“Cracked Moon” as clouds pass through on Two River’s Lake, Avon. Submitted by Lynn Poole.
written goal foryourmoney every month.
When you write down a goal, you’re motivated to stick to it. You’ll work harder and move heaven and earth to make it happen. 2. Save up an emergency fund
An emergency fund turns a crisis into nothing butan inconvenience.
At Ramsey Solutions, we teach the 7 BabySteps.Theyhelpyougetoutofdebt, and build a life you love. Baby Step 1 is to save a $1,000 emergency fund as your cushion while you’re getting out of debt. Then,payoffalldebtusingthedebtsnowball. In this step, you list your debts from smallest to largest (regardless of interest rate), and knock them out one at a time. Once you’re out ofdebt, save three to six months of expenses as your fully-funded emergency fund.
Can you picture a life with no debt, and a fully funded emergency fund in the bank? Not only are you in a strong position financially, but you aren’t worried about a financial crisis either. That peace ofmind is priceless! 3. Change your mindset about money
You get a credit card offer in the mail with an amazing deal on points that you just can’t pass up. Your friends invite you on vacation, and instead of missing out, you dip into your emergency fund. It’s time to send your kids to college so you take out a Parent PLUS loan. But none of thesechoices aregoing to setyou(oryour
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kids) up to win with money.
This is where self-awareness is key. Don’t let an old habit or an “easy” out creep in and ruin your progress. You’ve gottoknowyourselfwellenoughtoknow what you’ll be tempted by, and what to guard against.
You’ve worked too hard to let a momentary distraction take away what you’ve built. Ifyou’re ready to stop worrying, stressing and losing sleep about money for good, you’ve got to say never again. Never again will you be at the mercy ofa global economic crisis. Never again will money keep you up atnight.
Once you commit to your goals, get out of debt, save your emergency fund, and change your mindset, nothing can stop you!
About Rachel Cruze: As a #1 New York Times best-selling author, host of The Rachel Cruze Show and The Rachel Cruze Show Podcast,Rachel helps people learn the proper ways to handle money and stay out ofdebt. She’s authored three best-selling books, including Love Your Life, Not Theirs and Smart Money Smart Kids, which she co-wrote with her father, Dave Ramsey. You can follow Cruze on Twitter and Instagram at @RachelCruze andonlineatwww.rachelcruze.com, youtube.com/rachelcruze or facebook.com/ rachelramseycruze.
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