Two Years Ago: What I Don’t Believe

On January 1, 2008, I posted:

A partial list of Things I Do Not Believe:

Global warming/climate change being primarily driven by human influence
The USDA Food Pyramid as a guide to healthy nutrition
Intelligent Design as a scientific theory
String “Theory” as a scientific theory
The Iraq War was a Bad Thing
Government Bailouts help anybody at all in the long run except politicians
You (singularly or collectively) know better than me how I should spend my money

Reynolds on Ramsey

This goes into the little-used “Life” section . . . wherein Glenn Reynolds aka Instapundit,[*1] a law professor at the University of Tennessee, discusses personal finances[*2] and what he does differently from fellow Tennessean Dave Ramsey’s[*3] approach:

We don’t follow the Ramsey approach. It’s good for people who have debt problems, but we’ve never had those as we’ve avoided debt. My approach is tailored to my laziness, and lets savings be the control on spending. I decide how much money to save, and it goes into a money market account, automatically every month. The key is that this account is for money to go into, not to come out of, except for major purchases (like a house or car) or emergencies. I have a separate “slush fund” savings account that also gets an automatic deposit every month, and that gets hit up for routine unscheduled things like home and car repairs. Every once in a while I sweep money out of the “don’t touch” money market account into another account at a different bank that is inconvenient enough to access that I don’t take money out of it. (I guess that’s the “really don’t touch” account). At the end of the year, I look at the various account balances and know if I’ve saved as much as I planned; usually it turns out to be more, as I sometimes put unscheduled money — speaking fees, royalties, etc. — in there instead of the slush-fund savings account if I’m feeling flush.

This system turns my considerable sloth into an asset; savings is automatic, while spending takes effort. Taking money out of those “don’t touch” accounts is an event, meaning that I think about it before I do it, and thus don’t do it much. Likewise, almost the only credit card I use is American Express, which I pay off every month. You can stretch the payments, but, again, you have to make a conscious decision to do so, which means you have to think about it and realize how dumb it is, so I don’t. But the key is to prioritize saving first. Once I’m saving what I’ve planned to, I don’t have to worry about what I’m spending; it’s taken care of.

Hmm. The Insta-Sloth. Seems to be working for him, judging from the number of fun toys he blogs about on a regular basis . . .

Morning Whip, Jan. 1, 2010

TSA…Perpetually Fighting Yesterday’s War [*1]
FAA: Delta, Northwest can work as single carrier [*2]

2009/the 2000’s In Review, and year-end lists:
Top Ten Charts of 2009 [*3]
Nine Big Stories the Mainstream Media Missed in 2009 [*4]
The Person of the Year was … [*5]
Hell has officially frozen over!! Ultra leftist Ed Schultz has given Sarah Palin the “Eddy” Award for 2009! [*6]
Most Underreported Stories of 2009 [*7]
The 30 Most Disturbing Ads of 2009. [*8]
Closing Out 2009 with My Own Top 10 List… Top Ten Best Sarah Palin Quotes [*9]
My Top 10 Top 10 Lists For 2009 And Predictions For 2010 [*10]
Predictions 2010 [*11]
We Don’t Need No Steenking Predictions . . . [*12]
Underreported stories of 2009 [*13]

On explaining and defending human freedom and liberty:
Best of 2009: Tea Party sign of the times [*14]
National Conservative Symposium & Tea Party Convention Jan 22nd – 24th [*15]
Sarah Palin, Man of the Year [*16]
Market Reform as a Spontaneous Order [*17]
The Left’s Permanent War on the War on Terrorism [*18] — it is not a betrayal of liberty to aggressively defend it against those who would destroy it . . .
My favorite post of 2009: A Modest Proposal, 2009 Edition [*19]
Reading the Tea Party Leaves: Will we see a repeat of 1994—or 1964? [*20]
Mr. Smith, You’re Needed in Washington [*21]
A Bucket List for America [*22]
The Most Important Three-Year Period in History? [*23]
The Philosophy of Strikes [*24]
Scott Brown’s Campaign Picks Up Steam- GOP Candidate Sees Explosion in Online Donations [*25]

On spotlighting and deconstructing (and occasionally ridiculing) Liberty’s enemies:
ObamaCare Corrupt Deal Shows Need to Amend the Speech and Debate Clause [*26]
Two Americas: 2009 Version [*27]
Best (er, worst) of 2009: Hate mail edition [*28]
Rise of the Nanny State: Is There a Political Answer to Every Problem? [*29]
Laboratories of Repression: We don’t let the states “experiment” on the First Amendment. Should the Second Amendment receive any less respect? [*30]
What’s The Matter With Kansas Democrats? Dems Lose Another Top Recruit for Forbidding 2010 Midterms [*31]
What ever happened to the “Duke 88”? [*32] — “Vanderbilt’s conduct shows that smearing innocent whites is a badge of honor in major precincts of academia.”
Death to “mouth peace”! [*33]

Foreign affairs:
Obama Administration – Still Trying The Blame Shifting Game [*34]
Another Blow to the Radical Left & Team Obama… 58% Want Undie Bomber Waterboarded [*35]
Judge throws out Blackwater manslaughter charges [*36]
Getting serious [*37]

“Global warming” aka “Climate change” — or should that be “Climate Reform?”:
More From The “Settled Science” Of Global Warming [*38]
NASA -vs- NASA: which temperature anomaly map to believe? [*39]
Climate, Caution, and Precaution [*40]

The Economy:
2010 Will Be Worse [*41]

Wis. attorney general joins fight against carp [*42]
Good to Go: Woman’s Blood Alcohol Content Tops State Records at .708 [*43]
Top “Why” AutoSuggestions from Google [*44]
Got a pet tarantula? Better protect your eyes [*45]

SF and Writing:
A shiny new year for writing. [*46]

SDSU men earn big win over Oral Roberts [*47]
Jackrabbit women host league home opener Saturday [*48]
Jacks end 2009 with 72-70 win over ORU [*49]