The eighth of November has much significance to me. This is the day that, come next year, we, The People, will make our voices heard. We will vote on issues that we are facing, and for the person who will lead our country. Hopefully, the voice of wisdom prevails, and we make correct choices.
This day also happens to be my brother-in-law's birthday. He is a great guy, with a huge heart. I feel that I am a better person for knowing him.
This week, on the eighth of November, I also celebrated the anniversary of my marriage to my lovely wife. Nine years ago we attended the Boise Idaho, LDS Temple and were sealed to each other for time, and, all eternity. That was a wonderful day! I would like to take a few minutes of your time, today, to share my thoughts and feelings on this topic, and that of my family.
Marriage, to me, is a spiritual offering and bond between a man and a woman, and between them and God. Marriage was instituted and sanctified by the Lord Himself:
“And the Lord God said, it is not good that the man should be alone; I will make him an help meet for him….
“Therefore shall a man leave his father and his mother, and shall cleave unto his wife: and they shall be one flesh” (Genesis 2:18, 24)
Marriage fulfills God’s purposes. Hugh B. Brown spoke of this when he said that “God intended that man and woman should become one. … He sanctified the institution of marriage” (1883-1975).
Because of God’s institution of marriage, I became a husband, and started my quest to ascertain what devotion really means. I feel very fortunate to have my wife as a partner in life. She truly is a help meet for me.
Amongst all the things that she is to, and does for me, she keeps me humble. I recently took an IQ test, and, although my results were favorable, I must admit that I am not a “genius,” according to the writers of said test. When I informed my wife of my results, her exact words were, “I could have told you that.” Her gentle, sometimes jocular, reminders of my weaknesses are greatly appreciated.
We have three wonderful children; ages seven, five, and three. They are all smart, beautiful, and fun. Because of them I get to be called “daddy,” and enjoy all the blessings of fatherhood. I, along with my wife, am excited to raise these fine children who have been entrusted to us.
My eldest daughter has a head for books. (Just like her daddy). In a recent Parent-Teacher Conference, her teacher told me he was concerned that she was reading books that were a little too advanced. He taught me how to judge her ability. I went home and told my daughter of her teacher’s concerns, and how I was going to judge her reading. After doing so, I found that her ability was sufficient for her desires. She told me that she used the same methods for herself. Then, she gave me a look that clearly conveyed, “Duh, daddy!”
My son, quite literally, has his heads in the sky. He is fascinated with space, and our solar system. I read books about the moon and solar system with him. He brings these books home from school, and, I have introduced Google Earth to him. He loves zooming through the solar system faster than the speed of light! He says that he wants to go to space when he grows up.
My youngest child is starting to string her words into sentences. This is amazing to behold! She is learning new things, and sharing this newfound knowledge with anyone who will listen. I love listening to her and learning what the world looks through the eyes of a three-year-old.
I am grateful to have my family in my life. I have enjoyed many blessings, over the course of these last nine years, all because a pretty girl acquiesced to be my wife.
Thursday, November 10, 2011
Thursday, November 3, 2011
Time For a Change
If you have been reading my observations for a while, you may have noticed a change to the appearance of this blog. I felt that it was a little too distracting. So, I have simplified the appearance. I want my ideas to stand out, not the look of the blog.
Similarly, like the appearance of my blog, I often feel that when things are going too fast, or, have slowed down, it may be time for a change, or a shift of focus. This has been at the forefront of my mind as of late. Shortly after moving in to our new home, I started feeling complacent. Over the summer, I had settled into a rut at work, and had spent most of my off time focusing on studies for school.
Now, we are in the fourth quarter and business is booming. Classes are getting more and more exciting, and, I have also, recently, accepted more religious responsibilities. This has been a much needed focus-shift for me.
Like me, many of you may feel the desire for change. Sometimes change is good. Sometimes, even, change can be great. I am not suggesting anything rash, or ill-conceived at all with this statement. I know that change for the sake of change can be harmful. Also, I am not going to waste your time, or mine, with a lot of self-affirmations, and other universal-power mumbo-jumbo. If that is what you seek, there are multitudes of others, who have written a plethora of books and produced countless movies, who will give that to you.
All I can offer is my witness, that, if you take the time to look at your life, with honest eyes, and consider what is best for you, and your family if you have been blessed with one, you will find the change you need. I read, somewhere, we can do, or be, or have anything we want. All we have to do is take the time to look within ourselves, and discover what "it" is. Then, after careful consideration, devote ourselves, entirely, to the achievement of that goal.
Finally, if you seek happiness, I know that I am happiest when I am helping someone else. When others succeed because of something I said or did, I am euphoric. God promises that when you serve another, you are serving Him. It is my hope, and prayer, that we all seek after this type of happiness. For, when we do, our focus will be outward, and our own burdens will be lightened.
Similarly, like the appearance of my blog, I often feel that when things are going too fast, or, have slowed down, it may be time for a change, or a shift of focus. This has been at the forefront of my mind as of late. Shortly after moving in to our new home, I started feeling complacent. Over the summer, I had settled into a rut at work, and had spent most of my off time focusing on studies for school.
Now, we are in the fourth quarter and business is booming. Classes are getting more and more exciting, and, I have also, recently, accepted more religious responsibilities. This has been a much needed focus-shift for me.
Like me, many of you may feel the desire for change. Sometimes change is good. Sometimes, even, change can be great. I am not suggesting anything rash, or ill-conceived at all with this statement. I know that change for the sake of change can be harmful. Also, I am not going to waste your time, or mine, with a lot of self-affirmations, and other universal-power mumbo-jumbo. If that is what you seek, there are multitudes of others, who have written a plethora of books and produced countless movies, who will give that to you.
All I can offer is my witness, that, if you take the time to look at your life, with honest eyes, and consider what is best for you, and your family if you have been blessed with one, you will find the change you need. I read, somewhere, we can do, or be, or have anything we want. All we have to do is take the time to look within ourselves, and discover what "it" is. Then, after careful consideration, devote ourselves, entirely, to the achievement of that goal.
Finally, if you seek happiness, I know that I am happiest when I am helping someone else. When others succeed because of something I said or did, I am euphoric. God promises that when you serve another, you are serving Him. It is my hope, and prayer, that we all seek after this type of happiness. For, when we do, our focus will be outward, and our own burdens will be lightened.
Tuesday, November 1, 2011
The Power of Words
I believe that our words are powerful. I would like to share a recent experience. I was just finishing a long, tiresome, day at work. I was actually thinking to myself, "I could have stayed home and accomplished just as much." When, out of the blue, my mobile phone rang, and, on the other end, was a customer I had served a week previous. He was calling to thank me for helping his family with a need that they had. He thanked me for the card I had sent, thanking him, then told me that I had exceeded his expectations. I was floored. I do not share this experience to toot my horn. (Maybe a little....) I share this, because, this man taught me a valuable lesson. Until this point, in this day, I had accepted defeat.
"The power of words is immense. A well-chosen word has often sufficed to stop a flying army, to change defeat into victory, and to save an empire." ~Emile De Girardin
How many out there have felt this way? How many out there feel this way now? How have I used my words? Have I used them to lift another up; or to tear another down? These are questions that I have been asking myself since this experience. A kind word, given from the heart, is always well received. I hope that we all will take a few moments to think about how we use our words. Let us apply them to bettering another.
Finally, for you out there that may be feeling down, I leave an inspirational thought. In Japan, they have a wonderful saying. It has inspired me for nearly twelve years, and I would like to share it with you. “Even monkeys fall from trees.” Whatever has happened to you, whatever you may have done; accept it, learn from it, (don’t do it again), and get back up there and swing baby!
Sunday, September 11, 2011
9/11/11
Ten years ago, today, I was out riding my bike and taking pictures of the beautiful Idaho landscape, unaware of the fact that extremists were carrying out their destructive designs 2500 miles away. I did not find out what had happened until I reported for my first day of my new job. I remember seeing, on a television, two smoking craters on the sides of the towers and thinking to myself, "Wow, that looks like a good movie." Then, I continued on my way.
When I entered the store, my boss, who had been watching the news all morning, looked at me with shock on his face, shook his head and said, "Crazy, huh?!" I had no idea what he was talking about, and told him as much. He stared at me for about a minute, in unbelief at my ignorance, and then proceeded to tell me all that had happened. As the tale unfolded, I remember thinking that it was all some sort of a hoax. Thinking, "this can't happen here!" Finally, assured that it was not a hoax, I felt sick and troubled and confused. As hours turned to days, and days turned to weeks, the grisly details came rolling in. The sick, troubled and confused feelings that I experienced intensified.
I have a few friends that used this experience to form a wedge between themselves and God. I turned to God to sort out my feelings. I know that many others did the same. If I may, (it is my blog, so I can) I would like to tell you that I know that God, the Father lives. And our Savior, Jesus Christ. Whatever anger, pain or sorrow that we may be feeling or whatever anguish or lamentations that we may have, can be swallowed up in His love. He descended beneath all things, so that He may know how to succor his people. If we turn to him, and do as he asks, he will heal our wounded hearts, and make the empty soul overflow. At this time of remembrance, let us find healing in His wings and look forward towards a brighter future.
Whatever you may think of me, I know that these things are true. They are what have sustained me throughout my life. I feel that if we forget these truths, or turn our backs on them, we are forsaking our freedoms and allowing the enemies of freedom and justice to cross our borders and reign with terror. From my reading this week, I would like to quote a passage from The March of Freedom. Edwin J. Feulner, speaking of Russell Kirk, says this: "As supporters of free enterprise, believers in democracy, and guardians of the Judaeo-Christian principles on which America was founded, we are committed to the idea that one person-even fighting against seemingly impossible odds-can change the world. We would do well to remember T.S. Eliot's words that Kirk often quoted with approval: '...there is no such thing as a Lost Cause because there is no such thing as a Gained Cause. We fight because we know that our defeat and dismay may be the preface to our successors' victory.' The Sage of Mecosta knew that 'in every period, some will endeavor to pull down the permanent things, and others will defend them manfully.' Russell Kirk cast his lot with those manning the barricades, and he invites us to be his comrades in arms." I feel that I can add little to those words.
So, this is where I will end my post today. I hope that you have enjoyed my postings. I welcome comments and/or suggestions on how I can improve my blog. Please keep them civil, as vulgar comments will be promptly removed. Enjoy!
When I entered the store, my boss, who had been watching the news all morning, looked at me with shock on his face, shook his head and said, "Crazy, huh?!" I had no idea what he was talking about, and told him as much. He stared at me for about a minute, in unbelief at my ignorance, and then proceeded to tell me all that had happened. As the tale unfolded, I remember thinking that it was all some sort of a hoax. Thinking, "this can't happen here!" Finally, assured that it was not a hoax, I felt sick and troubled and confused. As hours turned to days, and days turned to weeks, the grisly details came rolling in. The sick, troubled and confused feelings that I experienced intensified.
I have a few friends that used this experience to form a wedge between themselves and God. I turned to God to sort out my feelings. I know that many others did the same. If I may, (it is my blog, so I can) I would like to tell you that I know that God, the Father lives. And our Savior, Jesus Christ. Whatever anger, pain or sorrow that we may be feeling or whatever anguish or lamentations that we may have, can be swallowed up in His love. He descended beneath all things, so that He may know how to succor his people. If we turn to him, and do as he asks, he will heal our wounded hearts, and make the empty soul overflow. At this time of remembrance, let us find healing in His wings and look forward towards a brighter future.
Whatever you may think of me, I know that these things are true. They are what have sustained me throughout my life. I feel that if we forget these truths, or turn our backs on them, we are forsaking our freedoms and allowing the enemies of freedom and justice to cross our borders and reign with terror. From my reading this week, I would like to quote a passage from The March of Freedom. Edwin J. Feulner, speaking of Russell Kirk, says this: "As supporters of free enterprise, believers in democracy, and guardians of the Judaeo-Christian principles on which America was founded, we are committed to the idea that one person-even fighting against seemingly impossible odds-can change the world. We would do well to remember T.S. Eliot's words that Kirk often quoted with approval: '...there is no such thing as a Lost Cause because there is no such thing as a Gained Cause. We fight because we know that our defeat and dismay may be the preface to our successors' victory.' The Sage of Mecosta knew that 'in every period, some will endeavor to pull down the permanent things, and others will defend them manfully.' Russell Kirk cast his lot with those manning the barricades, and he invites us to be his comrades in arms." I feel that I can add little to those words.
So, this is where I will end my post today. I hope that you have enjoyed my postings. I welcome comments and/or suggestions on how I can improve my blog. Please keep them civil, as vulgar comments will be promptly removed. Enjoy!
Friday, September 9, 2011
"Everything in this bill will be paid for. Everything." -President Barack Obama
Listening to the Presidents comments last night solidified my feelings. There has been much talk of jobs and unemployment. There has been much talk, however, not much productive action.
Our President has laid forth a plan that is "iffy" at best. Here are some highlights:
I know that there will never be a "win-win" in politics. I know that I, and We as a Nation, will never be 100% satisfied with any plan that is implemented. I know it.
I also know that we need leadership. We need someone that has experience and believes in America. Someone who shows his/her belief through their actions, along with their words. Words alone are not enough.
Reference
Woodward, C., & Raum, T. (2011, September 9). Is the President's plan paid for? Seems not.. Idaho Statesman, p. A1.
Our President has laid forth a plan that is "iffy" at best. Here are some highlights:
- Nearly $250 billion in tax relief for individuals and businesses through tax credits and a variety of tax cuts
- $140 billion to upgrade roads, bridges and schools
- $35 billion to help keep teachers, police and firefighters on the job
- Extending and expanding a payroll tax cut that would save the typical American family $1500 in taxes in 2012.
- A payroll tax "holiday" for employers on any new hires or wages. All companies would be eligible for the break, which would apply up to $50 million in new payroll spending.
- Cut the payroll in half for businesses with payrolls of less than $5 million. (Tribune Washington Bureau)
I know that there will never be a "win-win" in politics. I know that I, and We as a Nation, will never be 100% satisfied with any plan that is implemented. I know it.
I also know that we need leadership. We need someone that has experience and believes in America. Someone who shows his/her belief through their actions, along with their words. Words alone are not enough.
Reference
Woodward, C., & Raum, T. (2011, September 9). Is the President's plan paid for? Seems not.. Idaho Statesman, p. A1.
Tuesday, September 6, 2011
My thoughts over Labor Day weekend....
This weekend, I spent a lot of time contemplating my relationship with my father. I love him. He is a gentle man with a kind heart. He may not be perfect, he is not infallible, and I have seen him run. However, he has always welcomed me with open arms and sincere affection. I know that I can always count on him to hear me out when I have questions, concerns and grumbles that I need to verbalize. In most instances, he has been able to look past the problem and help me come to the root of the matter to find a solution.
I always know where I stand with him. He will tell me when I am acting childish; He will tell me when I am overreacting to something; He always tells me that he loves me. My fathers' love is unconditional. I am so grateful for my father.
I hope that I was not too personal with today's post. I just felt that you should know how I feel about my father. Until tomorrow,
Matty
I always know where I stand with him. He will tell me when I am acting childish; He will tell me when I am overreacting to something; He always tells me that he loves me. My fathers' love is unconditional. I am so grateful for my father.
I hope that I was not too personal with today's post. I just felt that you should know how I feel about my father. Until tomorrow,
Matty
Friday, September 2, 2011
Something I read today
Today, I started reading a fascinating book by Edwin J. Feulner titled, The March Of Freedom: Modern Classics in Conservative Thought. I would like to share a quote from my reading. Feulner (1998) stated,
"American conservatism is highly suspicious for promised utopia and earthly salvation. The purpose of politics is not redemptive, it is to carve out a system of justice, moral order and freedom, recognizing that human beings are neither perfect nor perfectible. When governments seek after utopia they end in oppression and disaster, because man and society are infinitely complex, and cannot be reshaped by an aristocracy of experts. Humility is the only proper attitude for governing authorities.
Conservatives-all conservatives from libertarian to traditionalist-believe that social power is a zero-sum game. When it is taken by government it is lost by individuals. This calls for prudent restraints on the role and reach of government. 'There must be a stopping point,' argues Charles Murray, 'some rule by which governments limit what they do for people-not just because of budget constraints, not just because of infringements on freedom (though either of these might be a sufficient reason in itself), but because happiness is impossible unless people are left alone to take trouble over important things.'" (p. xvii).
This book was written over twelve years ago. It was true then, and it is true now.
Reference:
Feulner, E. J. (1998). The march of freedom: modern classics in conservative thought. Dallas, TX: Spence Publishing Company.
"American conservatism is highly suspicious for promised utopia and earthly salvation. The purpose of politics is not redemptive, it is to carve out a system of justice, moral order and freedom, recognizing that human beings are neither perfect nor perfectible. When governments seek after utopia they end in oppression and disaster, because man and society are infinitely complex, and cannot be reshaped by an aristocracy of experts. Humility is the only proper attitude for governing authorities.
Conservatives-all conservatives from libertarian to traditionalist-believe that social power is a zero-sum game. When it is taken by government it is lost by individuals. This calls for prudent restraints on the role and reach of government. 'There must be a stopping point,' argues Charles Murray, 'some rule by which governments limit what they do for people-not just because of budget constraints, not just because of infringements on freedom (though either of these might be a sufficient reason in itself), but because happiness is impossible unless people are left alone to take trouble over important things.'" (p. xvii).
This book was written over twelve years ago. It was true then, and it is true now.
Reference:
Feulner, E. J. (1998). The march of freedom: modern classics in conservative thought. Dallas, TX: Spence Publishing Company.
Thursday, September 1, 2011
Clean Energy
Clean, renewable energy is a topic that intrigues me. The idea of harnessing natural resources, like solar, water and wind powering our homes, cars, and all the other necessities of life, just seems natural. A hundred years ago, mills were powered by wind and water. We would do well to focus much of our energies on becoming more competent in this pursuit, especially in the current climate that our nation is in.
I say competent, because in an article in the Idaho Statesman, the author, Renee Schoof of McClatchy Newspapers, poses a question: "Is U.S. losing the race to clean energy?" (Schoof, 2011, p. A1, A8). Schoof mentions that another of our country's solar-panel makers is headed for bankruptcy. Solyndra, a California solar panel maker, claims that changes to the U.S regulatory policy is to blame. Schoof writes, "Solyndra President and CEO Brian Harrison blamed the company's failure on policy changes and created oversupply and falling prices, and said it had become impossible to raise capital." (Schoof, 2011, p. A8). Schoof goes on to say that foreign competitors have claimed a large share of a growing solar-manufacturing market. According to a Department of Energy blog, the U.S. share of the solar market dropped from 43% in 1995 to 7% in 2010. "The United States was a big fish in a small pond in the 1990's, when global solar production was tiny compared with today." (Schoof, 2011, p. A8).
The article goes on to point out that Solyndra was under investigation for its use of stimulus money in 2009. This is when the company ran into financial problems and did not hire as many people as expected. Rep. Cliff Stearns, R-Fla. said in a statement on Wednesday, "We smelled a rat from the onset, as the highly celebrated first stimulus loan guarantee awarded by the DOE, the $535 million loan for Solyndra was suspect from Day one." The company shut down on Wednesday and left 1100 people without jobs, and the American taxpayers with a $535 million bill.
Schoof claims that, "Solar purchases have been going up in recent years, boosted by favorable policies in Europe, Canada, China and some U.S. states. China is the biggest exporter of solar panels to the United States, followed by Mexico." Now, we are losing our shirts to foreign producers of clean energy. The DOE cited these trends in its blog post: China, which exports more solar panels to the United States than any other country, has been providing INTEREST-FREE financing to its companies. Also, European countries have been REDUCING their SUBSIDIES for solar power. Europe is the world's biggest solar market.
What can we do to become a leader again? I would like some more energy to be placed in this area, so that we are not so dependent on foreign countries. Isn't it about time that we did something that made other countries LOOK to us, and not LAUGH at us, while they pocket our money?
Reference:
Schoof, R. (2011, September 1). Is U.S. losing the race to clean energy?. Idaho Statesman, p. A1, A8.
I say competent, because in an article in the Idaho Statesman, the author, Renee Schoof of McClatchy Newspapers, poses a question: "Is U.S. losing the race to clean energy?" (Schoof, 2011, p. A1, A8). Schoof mentions that another of our country's solar-panel makers is headed for bankruptcy. Solyndra, a California solar panel maker, claims that changes to the U.S regulatory policy is to blame. Schoof writes, "Solyndra President and CEO Brian Harrison blamed the company's failure on policy changes and created oversupply and falling prices, and said it had become impossible to raise capital." (Schoof, 2011, p. A8). Schoof goes on to say that foreign competitors have claimed a large share of a growing solar-manufacturing market. According to a Department of Energy blog, the U.S. share of the solar market dropped from 43% in 1995 to 7% in 2010. "The United States was a big fish in a small pond in the 1990's, when global solar production was tiny compared with today." (Schoof, 2011, p. A8).
The article goes on to point out that Solyndra was under investigation for its use of stimulus money in 2009. This is when the company ran into financial problems and did not hire as many people as expected. Rep. Cliff Stearns, R-Fla. said in a statement on Wednesday, "We smelled a rat from the onset, as the highly celebrated first stimulus loan guarantee awarded by the DOE, the $535 million loan for Solyndra was suspect from Day one." The company shut down on Wednesday and left 1100 people without jobs, and the American taxpayers with a $535 million bill.
Schoof claims that, "Solar purchases have been going up in recent years, boosted by favorable policies in Europe, Canada, China and some U.S. states. China is the biggest exporter of solar panels to the United States, followed by Mexico." Now, we are losing our shirts to foreign producers of clean energy. The DOE cited these trends in its blog post: China, which exports more solar panels to the United States than any other country, has been providing INTEREST-FREE financing to its companies. Also, European countries have been REDUCING their SUBSIDIES for solar power. Europe is the world's biggest solar market.
What can we do to become a leader again? I would like some more energy to be placed in this area, so that we are not so dependent on foreign countries. Isn't it about time that we did something that made other countries LOOK to us, and not LAUGH at us, while they pocket our money?
Reference:
Schoof, R. (2011, September 1). Is U.S. losing the race to clean energy?. Idaho Statesman, p. A1, A8.
Wednesday, August 31, 2011
Welcome Message
Greetings! I have wanted to do this for quite some time. I started this blog because I need an outlet for my thoughts and ideas. Also, I feel that I am not alone in thinking some of these things.
This brings me to my first observation. The benefits of having an emergency fund. Everyone talks about this and everyone knows that it is a good idea. Many people have an emergency fund, while others scramble to come up with the necessary funds when issues arise.
I would like to share a recent experience. I was driving home from work one evening. On the way, the front, drivers side, tire blew out. I pulled in to the nearest parking lot, and informed the manager of the establishment that my vehicle would remain there until the morning, as it was dark and I did not feel up to the task of changing out a tire in a suit. In the morning, I replaced the flat tire with the spare (which happened to be flat as well), and drove to the nearest tire center. Three hundred and sixty-five dollars later, I was on my way with four new tires. Three days later, while at work, my wife called me, informing me that her car would not start. Luckily, after a diagnostic at a local automotive center, the problem was solved with a new battery, which cost us one hundred and one dollars and some change.
Now, if we had not saved up money for an emergency fund, this may have caused some concern. Thankfully, we planned ahead for emergencies. I think back and wonder how we would react to these same situations without this fund in place? In the past, we have survived with only one car. It is not pleasant, but it is doable. Now, what would we have done when the battery expired, had we not had this emergency fund in place?
There are some that would say, "Charge it and pay it off when you get your statement from the credit card company." Having an emergency fund in place saved us from having to deal with the credit card companies. Having an emergency fund allowed us to handle our problems on our own, without having to turn to others for help. Having an emergency fund saves time, money, and heartache.
Well, that was my first observation, and a little bit of soap-boxery. I hope that you will come back and visit again. I am sure that you will not be disappointed.
This brings me to my first observation. The benefits of having an emergency fund. Everyone talks about this and everyone knows that it is a good idea. Many people have an emergency fund, while others scramble to come up with the necessary funds when issues arise.
I would like to share a recent experience. I was driving home from work one evening. On the way, the front, drivers side, tire blew out. I pulled in to the nearest parking lot, and informed the manager of the establishment that my vehicle would remain there until the morning, as it was dark and I did not feel up to the task of changing out a tire in a suit. In the morning, I replaced the flat tire with the spare (which happened to be flat as well), and drove to the nearest tire center. Three hundred and sixty-five dollars later, I was on my way with four new tires. Three days later, while at work, my wife called me, informing me that her car would not start. Luckily, after a diagnostic at a local automotive center, the problem was solved with a new battery, which cost us one hundred and one dollars and some change.
Now, if we had not saved up money for an emergency fund, this may have caused some concern. Thankfully, we planned ahead for emergencies. I think back and wonder how we would react to these same situations without this fund in place? In the past, we have survived with only one car. It is not pleasant, but it is doable. Now, what would we have done when the battery expired, had we not had this emergency fund in place?
There are some that would say, "Charge it and pay it off when you get your statement from the credit card company." Having an emergency fund in place saved us from having to deal with the credit card companies. Having an emergency fund allowed us to handle our problems on our own, without having to turn to others for help. Having an emergency fund saves time, money, and heartache.
Well, that was my first observation, and a little bit of soap-boxery. I hope that you will come back and visit again. I am sure that you will not be disappointed.
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