I think it is time the US implement a mandatory personal finance course into the highschool curiculum. I can't believe that a country with such affluence can contain so many people with so little financial common sense.
When my wife and I applied for our mortgage it was pretty obvious that what we had been approved for was much more than we could afford.
Sure the US banks are partly to blame for offering financing people couldn't afford but each individual needs to know better.
The more people I talk to people about personal finance the more I am amazed at the number of individuals living way beyond their means both north and south of the border.
This is not sustainable and we need to stop.
Pay down those credit cards and make the commitment to only buy what you have money for in the bank. This doesn't mean you have to stop buying things, just stop buying what you can't pay for now with cash.
We are in need of a credit revolution as much as a green revolution.
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You'd think it were simple, hunh?
Yeah... it blows my mind too. And the bail out is even worse. Moral hazard... ya bail 'em out now then they're likely to keep on keepin' on. LET THE BANKS DIE!
Okay... back the questions... :)
You should have one of your athletes in the photo!
***Very true... but for now a future olympian will have to do! :)
Any time line on your swim DVD?
***As I got deeper into that project (out line is complete as is menu layout, drill progression, etc) I began to realize the magnitude of the what I was taking on. IT'S HUGE! And came to the conclusion that I would need some serious time away from training to devote to the proper creation of the vid. Working on doing weekend swim camps this winter (Seattle, SD, LA so far?) and think that I will learn a lot from working with many different abilities that I will then be able to apply (eventually) to the DVD.
Any teasers you might like to share?
***It's not all technique. You gotta have equal parts fitness and technique. You can do drills till you are blue in the face but it means nothing if you aren't fit enough to hold it. SWIM MORE!!! :)
I would love to see a post on how you feel your transition to racing Pro has gone.
****Ah! Thanks for the reminder. I have already written a follow up to my "giving thanks:1st year in boulder" post. I am going to see if Vinu will publish both on Xtri. I will of course cross post it here.
Adios!
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