Tuesday, December 23, 2008

The High Cost of Immorality

So, I've been thinking lately about the cost of living in the U.S. today - particularly about how we have so many drags on our economy both directly from immoral and irresponsible behavior (of both corporations and individuals) and from the high cost of the resultant government oversight.
For instance, I was recently discussing with a contractor friend of mine the invasive nature of litigation in the construction field. He related to me that for every project he begins, government regulations require him to procure insurance to ensure that his subcontractors get paid if he fails to pay them. (Apparently this is a BIG issue in contracting; subcontractors are often fighting with general contractors over how much they were supposed to get paid and whether they actually got paid). This insurance costs $3,500.00 a job. After about 4 years of acting as a general contractor, my friend has never needed this insurance because he is always honest, upfront, fair, and well managed. Despite this fact, he has still spent a few tens of thousands of dollars on insurance that he has never needed, but the government still requires.
Of course, that may not be the best example because other factors besides general contractor unscrupulousness may play into the government's decision to require such insurance, but I think it at least illustrates the point.
Anyway, this conversation got me to thinking about the high economic cost of immorality in America today, and I'm curious. If you have any suggestions or ideas of specific ways in which immorality has or is costing us money here in America, please post those ideas here. I'm taking a collection, so to speak...

Monday, December 8, 2008

Profound insight from a 12 year old!

Louisa takes just one class at school every other day, at my insistance. She loves homeschool and we have a great time learning together, but since she is my last child, I wrestle with the notion that she needs to get out of the house and go to school a little bit. Louisa has described to me her "take" on what makes for popularity in junior high school. She thinks she knows how to be "in", but it wouldn't be a very comfy fit for her, she feels. As she sees it, the requirements include dressing trendy and fashionably, being disinterested in learning, being immodest, and acting catty and "butt-sy" (pushy), acting disrespectful of teachers, showing a big interest in boys and sex and doing a lot of outrageous and unlady-like flirting, saying you hate school, texting your friends all through class without letting the teacher see, talking critically of parents, breaking rules whenever possible, treating your siblings like enemies, not being too smart, and being so saturated in the popular music and PG-13 movies of the current teen culture that you can easily recite movie lines. This is how she feels she would have to act to be well accepted and popular in our current world, outside of her circle of homeschooled friends.

the whole article can be read at: http://dianehopkins.blogspot.com/

Wednesday, December 3, 2008

More of the financial crisis!

You can read the whole article on: http://www.newsmax.com/ruddy/obama_recession_economics/2008/11/30/156592.html

"Knowing as we do that the housing bust was propelled by adjustable rate mortgages, which were nothing more than marketing gimmicks tricking consumers into mortgages they could never afford when they readjusted, they should have been banned. "

Tuesday, December 2, 2008

We are God's children!

Michelle Duggar is 42. She has two sets of twins and has been pregnant for 12 years of her life. Curry asked her if 18 are enough.
“We would love more,’’ Michelle said. “We really believe that each child is a gift from God. We would love to receive more gifts if the Lord sees fit. I guess we’ll just wait and see.”

I have not seen the "reality" show of their family... but I love how she speaks of "children as a gift of God" in this article. That is sooooooooo true.

We will have as many as the Lord will give us too. : )