Monday, September 7, 2009

Music Monday – new Ace Frehley!

Yes, the Ace Frehley album, Anomaly, comes out on Sept. 15. You know you’re excited, kids, so here’s a song off the album to tide you over.

Come join Music Monday and share your songs with us. One simple rule, leave ONLY the actual post link here. You can grab this code at LJL Please note these links are STRICTLY for Music Monday participants only. All others will be deleted without prejudice.




PS: Because of spamming purposes, the linky will be closed on Thursday of each week at midnight, Malaysian Time. Thank you!

Sunday, September 6, 2009

Having too much fun with that Guitar Link…

dead-kennedys-logo-5000655

A few days ago, I wrote all about the joy that is the Behringer Guitar Link.

I’m having more fun than should be allowed with that thing as I’ve been learning how to use it. All you need to use it is a free USB port on your computer and an ASIO compatible soundcard (for best results).

You can hear my pitiful rendition of Moon Over Marin by the Dead Kennedys by scrolling to the end of this post and streaming it.

The best thing about this guitar link is that I paid about $40 and have been finding plenty of free software to model amps and mix tracks on the Internet (I mentioned a lot of that in the post I just referenced). Yes, you can spend a lot of cash using commercial products set up for recording, but how many of us are professionals? My guitar playing stinks and I’m just having fun – the free stuff is more than good enough for me.

For the record, I recorded my guitar and bass parts on the aforementioned song through Kristal Audio Engine. The lead and rhythm guitar parts were recorded through the D.I.G. 2.0 amp modeler from AcmeBarGig VST plug-in and I ran my bass through  FreeAmp3 from Fretted Synth. The mixdown in Kristal was in that weird Ogg Vorbis format so I converted the song to MP3 through Audacity.

While it’s obvious I need a better sound card and learning how to play worth a damn would be nice, I was able to lay down some tracks that sound good enough for me through a bunch of absolutely free programs. That’s great stuff.

Now all I need to do is finish my country song that’s sure to be a big hit one day -- “I’m Wearing a Hawaiian Shirt (But there’s no Luau in my Heart).” Go ahead and laugh but that song will be huge one day. Yes, there will come a day when my song will establish a fad – a bunch of people will be wearing Hawaiian shirts and acting sad. Count on it.

Here’s my awful attempt at covering a Dead Kennedys song. Enjoy!

Saturday, September 5, 2009

7-5 for the Hogs this year…

ArkansasRazorbacks

Yes, football season is upon us once again and we Arkansans are hoping our beloved Razorbacks do something this year.

My dad tells me that he was in a restaurant last year when the Hogs were in the midst of their 5-7 season and two fellow (who had obviously been drinking a lot) boldly predicted the Razorbacks wouldn’t lose a game this season.

Most of us haven’t lost our heads and are hoping for the team to have a decent season. And we’ve got some reasons to be excited. First and foremost, there’s Ryan Mallett – the Batesville, Ark., native who went to Michigan and then came back home to Arkansas. He was a heavily recruited quarterback in 2006 and we’re hoping the fellow follows through on his promise this season at Arkansas.

Hey, we’re not used to having top-notch quarterbacks at the University of Arkansas, so seeing one on the field will be a bit of a novelty for us. Our former head coach, that damned Houston Nutt, didn’t go out of his way to recruit quarterbacks and managed to ruin some good ones when they fell in his lap. Let’s see what Arkansas Coach Bobby Petrino can do with a talented passer, huh?

Let’s not forget that Michael Smith – the running back who was one of the few highlights on the offense last year – will be back this season. He’ll be joined by Dennis Johnson in the backfield and here’s hoping the running game will be solid.

Yes, Michael Smith was pretty much the running game last year and the offense was just plain dreadful. It appears that the passing game will be solid, too, provided Mallett can find some targets. Last year, those quarterbacking brothers Casey and Nathan Dick had trouble finding receivers. We’re not sure if the receivers were just terrible or if the Dick brothers were just lousy quarterbacks.

The receivers are improved this year and perhaps the most impressive of all is tight end D.J. Williams. Of course, the question remains – will the offensive line hold up long enough to protect Mallett so he can throw to a receiver or two? That was a problem last year as that offensive line folded faster than Superman on laundry day. Here’s hoping Petrino has beaten the line into shape.

The defense was terribly weak last year, but I always wondered – was it really just bad or were the players worn out because the pitiful offense never gave them a chance to rest? Again, that’s a question that will have to be answered throughout the season.

Having said all of that, here are my predictions for the season. These, I’m sure, will hold up pretty well.

Sept. 5 – Missouri State. Arkansas will whip the socks off of Missouri State. That’s why teams like Missouri State are on the schedule. That one will be an easy win.

Sept. 19 – Georgia. It’s rarely good when Georgia comes to town. They dominated the Hogs during the Nutt years and there’s no reason to think that will change this season. There’s a loss.

Sept. 26 – at Alabama. It’s no fluke that Alabama is ranked #5 in the preseason polls. Playing Alabama this season will be bad enough for almost anyone and you can double the misery when a team faces the Crimson Tide at home. There’s a loss.

Oct. 3 – at Texas A&M. Ah, the Aggies are rebuilding, too. Still, considering the weak showing by the Hogs last year in almost every game, I’ll have to call that one a loss.

Oct. 10 – Auburn. Yes, another team that’s rebuilding. Fortunately, they’re coming to Arkansas. Home field advantage will be a big factor here. And, we’ll have a win.

Oct. 17 – at Florida. Arkansas beat Florida once upon a time. Honest! The losing streak will continue this season against the preseason No. 1. That’s a loss.

Oct. 24 – at Ole Miss. Yes, the Rebels are ranked No. 8 in the country right now. However, that ranking doesn’t take the team’s biggest liability into account – head coach Houston “Boxcar” Nut. Nutt frustrated Arkansas fans for years while he goofed off in this state and he’ll annoy Ole Miss fans before long. There’s a win for the Hogs because that’s the kind of game that Nutt has fumbled with inept coaching for years. By the way, I chose the “Boxcar” nickname for Nutt around 2002 because the man is a straight up bum.

Oct. 31 – Eastern Michigan. Another rent-a-win.

Nov. 7 – South Carolina. Poor old South Carolina. That team never can get it together. The Hogs will win this one.

Nov. 14 – Troy. The third – and final – rent-a-win of the year.

Nov. 21 – Mississippi State. Remember when Mississippi State fielded great teams? I can’t recall when exactly that was, either. There’s nothing impressive about them this year, so the Hogs will win that one.

Nov. 29 – at LSU. The preseason No. 11 will clobber the Hogs unless half the team comes down with swine flu. There’s a loss for the Razorbacks.

So, we’re looking at a 7-5 season with three wins against nonconference opponents, meaning the Razorbacks should rack up a 4-5 SEC record this year. Ugly but true. Bank on it. Hey, they’ll get better.

Wednesday, September 2, 2009

Recording guitar tracks on the cheap

kristal “Gee, The Hawg,” a lot of people have asked me. “I want to hook my guitar up to my computer and record some tracks. How, how – oh, how – is that to be done?”

Actually, no one has asked me that question, but I thought I’d be helpful and answer it just the same. Last week, I got a brand new Behringer Guitar Link off of eBay for the low, low price of about $40. The Guitar Link is a nifty little device that lets me plug my guitar into my computer through a USB port.

The Guitar Link is a wonderful thing, to be sure, but the software that comes with it – the stuff that can actually make it useful – is complete garbage. First of all, there’s a scaled back package of guitar amp models from Native Instruments (the people who brought us the formidable Guitar Rig 3 package that will honestly allow you to pull about any sound you want out of your guitar.

The “Behringer edition” of that software gives you but three models and no “pedal effects” at all. To make matters worse, you can demo the models for 30 days and can only keep one. Want more? You’ve got to pay for it, folks.

The mixer – EnergyXT2 – is just about to bad. In addition to being hard as hell to use, you’ve got to send in some cash if you want to unlock some of the better features of the software (that includes plugging in drum tracks and other things). Seeing how terrible the scaled back version of the software is, I don’t think I’m going to send them any money.

In fact, I decided that spending a lot to be able to record tracks on my computer is ridiculous. Once you drop about $300 for Guitar Rig and a decent mixing/recording package, spend some more cash on monitors and do something about the crummy stock soundcard in your computer, you’re starting to talk about some real money. Oh, and plan on spending some more if you want a pedal to easily control those effects in Guitar Rig.

For that kind of cash, you could get a heck of a good modeling amp, a four-track recorder and a microphone. You could record and mix all day long the old fashioned way (and the way I prefer, frankly).

No, what I want to do is just bang out some ideas, loop some guitar tracks I can practice against and generally mess around with my beloved Fender Deluxe Stratocaster. I’m not going to spend a lot of money to do that. Besides, it just plain irritates me when I buy a piece of hardware and a lot of crippled software comes with it. Bah!

So I looked around and found some free recording solutions. First of all, you’ve got have a good mixer and the best free one out there for my purposes is Kristal Audio Engine. It doesn’t cost a dime unless you’re going to use it commercially and it supports both ASIO and VST.

ASIO a great sound driver for instruments that features wonderfully low latency – high latency means you’ll hit a note and wait a bit for the computer to process it. That’s a pain to deal with if you’re recording multiple tracks (and, yes, Kristal is great at handling multiple tracks). VST is a standard plug-in format and it’s a wonderful thing. There are a lot of great, free amp packages and effects for guitar and bass in that VST format.

The amp package I picked up is FreeAmp 2.5 – it’s got seven amplifier models to choose from and plenty of effects – compressors, wah pedals, overdrive, chorus, delay, reverb, flanger and phaser. It’s a very solid package that is more than good enough for fleshing out ideas and making your guitar sound like everything from a fine instrument to a piece of trash with a couple of strings missing and a short in the electronics.

Thanks to Kristal’s ability to easily handle VST effects, there are plenty of free amp models and effects. Yeah, most of them suck, but there are some really great ones if you’re willing to dig around for them.

There are a couple of major drawbacks to Kristal. First of all, you can’t record what the VST plug-in is processing. You record clean and then slap effects on later. That’s not that much of an issue for me, really, as I’ve spent so much time practicing with my guitar unplugged that I’m used to it. Besides, you can run the VST-processed tone through your headphones after you’ve stopped recording it – great for multitracking purposes as you can lay down a basic track, process the right hell out of it and then play along with it on additional tracks.

Second, you can't output a track to MP3. Fortunately, Audacity is free and I can output tracks in Kristal to Ogg Vorbis (or WAV) and convert them to MP3 in Audacity (that requires the LAME MP3 encoder, but that's also free).

Also, Kristal is very easy to use and that’s a great thing. Back when my roommate had a four-track recorder, it was an easy to matter to mic up my guitar and play some tracks. Kristal makes things just about that easy.

I’ll admit I was very tempted by all the guitar models available in Guitar Rig after fooling with the scaled down version of it. Then I remembered something – back when I was actually halfway decent at playing guitar, I got by with a simple amp with reverb on it and a Boss HM-2 distortion pedal. What am I really going to do with a ton of effects, anyway? I’ve got more sounds available through my FreeAmp than I’ve ever had and that’s more than good enough.

So, there it is. Save that money and grab a copy of Kristal and some VST effects/amps that cost you absolutely nothing. You’ll be glad you did.

If you'd like an awful example of my lame guitar skills, just click the player below. We've got three tracks in there (main pitiful riff, terrible lead and some jangly thing at the end) that I processed through Kristal and FreeAmp then converted in Audacity. Yeah, I know I need to practice and learn how to use Kristal, but I hope to be able to brag about being competent or reasonably decent on guitar one of these days.


Credit – something everyone’s talking about these days…

One thing that people have been talking about a lot these days is credit repair.

No, this isn’t like 2005 when all you had to do to get a loan was have a job and a pulse. If you want to get a loan for a house, car or just about anything else, a clean credit history is helpful – lenders, it seems, have adopted the attitude that they want to loan money to people who are likely to pay it back.

That’s probably better for the economy in the long run, but what about those folks who just ran into a little bad luck and need to find a way to improve credit scores? That’s where DSI Solutions can help.

The site is free to visit and you’ll find plenty of testimonies from people the company has helped and the business offers a money back guarantee. It’s worth a look.

Monday, August 31, 2009

My new hero…

greatest-american-hero

It’s true – I, The Hawg, have a new hero.

I couldn’t tell you the name of my hero (I’ll explain why later), but he is truly The Man We All Wish We Could Be.

Dig this.

One of the girls in my daughter’s Brownies troop was having a birthday party. To celebrate, the little girl decided to have a bunch of friends over to her house for a sleepover.

Yeah, that sounds like fun, doesn’t it? About a dozen girls who are about eight-years-old running nuts and screaming their heads off for hours on end (my daughter tells me she didn’t get to sleep until 3:30 a.m.)

When we dropped my daughter off for the party we asked the mother of the birthday girl where her husband was. It seems he took off before the girls arrived and was nowhere to be found.

Ah, but he didn’t become my hero then. No, he became my hero when my daughter came home from the party and I asked her if he came home and she said, “No he greatest_american_herodidn’t.”

That’s right. That heroic cat fled the scene and – apparently – didn’t come back home until the party was over and everyone was gone. Where did he go? Who cares? He got out of there and saved himself an evening of aggravation. None of us fathers met the man but I’d like to think that all of us thought the same thing -- “Man, I wish I could do that.”

That takes some guts, folks. My hat goes off to my hero because he achieved something that I never could. If my daughter decides to have a sleepover with a ton of squealing girls, I imagine my conversation with my wife would go something like this:

The Wife: Well, she wants to have a sleepover.

The Hawg: Really? God. What do you think?

The Wife: I think we should let her do it.

The Hawg: I don’t. That’s a terrible idea. All that yelling…

The Wife: Well, I’ve already told her she could have a sleepover. So…

The Hawg: Y’all have fun. I don’t really like kids unless I’m related to them, you know?

The Wife: What do you mean, “Y’all have fun?”

The Hawg: I figure I’ll be down the street at a hotel until it’s over. I’ll watch some television and just relax for awhile. I’ll tell our son he can flee with me if he wants…

The Wife: The hell you will! You’re not going to leave me with all those kids! You’re going to stay here and help me! Your daughter would be crushed if she knew her father wanted to run out on her instead of helping her enjoy her party. Grow up. You’re a father. Fathers have to do things like this.

The Hawg: Yes dear…

You see? I’d cave in an instant. My wife would win the day through an effective combination of intimidation and guilt.

Ah, but my hero didn’t cave. I suspect that most of us fathers would like to flee sleepovers. My hero had the guts to actually do it.

That, friends, makes him a manly man of the first order and an inspiration to us all. God bless you, hero! Long may you reign…

Saturday, August 29, 2009

Blanche Lincoln in trouble?

lincoln Here’s one of those stories that actually concerns me a bit. According to a recent poll, U.S. Sen. Blanche Lincoln (D-Ark.) enjoys a miserable 36 percent approval rating in this state.

Uh, Lincoln’s got an election coming up next year. The poll numbers can’t be good news for her.

Now, I’m a Republican so I should view that as good news, right? Actually, I’m not so sure.

Let me explain. First of all, Lincoln is a hell of a lot better than our other senator, Mark Pryor. He epitomizes the phrase “empty suit” and apparently believes that he is representing his party simply by voting the way the national Democrats want him to on each and every issue.

Lincoln, by contrast, is more than a bit different. I headed to Washington, D.C., back in 2006 with the organization I work for (they howl every time I mention them on this little blog, so they’ll remain nameless) and we were concerned about some health care legislation that died on the Senate floor. We asked both Pryor and Lincoln why they voted against the bill.

Pryor danced around the issue for awhile, claimed we didn’t have a health care bill allowing small businesses to join together and take advantage of the group rates large corporations enjoy because the Republicans were being unfair. Yes, it was all the fault of the Republicans, see, that the bill failed – they wouldn’t let the Democrats add any amendments and blah, blah, bloppity blah. Pryor’s whining and finger pointing are, sadly, commonplace. His father was equally mealy-mouthed and unimpressive as a U.S. senator.

When we asked Lincoln the same question, she looked us square in the eyes and said, “I didn’t vote for it because it’s a bad bill.” She then outlined what she thought a better bill would be and laid out her position very well. While we didn’t agree with her, she at least had the gumption to explain her vote and why she didn’t like the legislation at issue rather than blaming the Republicans and taking no responsibility for her vote. I can respect that.

Lincoln has, over the years, has demonstrated that she does have the interest of her constituents at heart and has typically attempted to listen to what we say instead of just following the party line. In short, I like the woman and I’ve voted for her twice.

Now, here’s the problem with her being in a potential rotten spot right before the November elections. I might feel a bit better about things if the Republicans could field a top notch candidate against her. However, there are nine Republicans (as of this writing) who may or may not run in the primaries and they range from trouble making gadflies to quality candidates that are a bit unknown.

If we were just talking about a straight-up race against the Republican primary winner and Lincoln, than that’s one thing. Hey, I’d love to see Gilbert Baker (who seems to change his mind daily about running) or Tom Cotton jump in the race and wind up in the Senate.

Ah, but we may not be talking about a race against Lincoln at all. No, State Sen. Bob Johnson (D-Bigelow) may run against Lincoln in the primaries. Given this state’s knack of voting for Republicans in presidential elections and sticking with Democrats in congressional races (out of our six-member congressional delegation, only one of them is a Republican), that worries me.

Frankly, Johnson sucks. Let’s look at some of the things he’s done that I absolutely detest:

* He sponsored legislation in 2005 allowing Hot Springs and West Memphis to hold elections allowing electronic games at those city’s race tracks (horse in the case of Hot Springs, greyhounds in the case of West Memphis). Those machines were approved, thus allowing us to continue the odd practice of allowing gambling in two cities but no other ones in Arkansas. Either ban it completely or let everyone have it. There’s no sense in allowing two groups to hold a monopoly and allowing them to make it more profitable by coming up with new ways to rip off the public is appalling.

* Also in 2005 (a banner year for Johnson, seemingly), he sponsored legislation that would allow Deltic Timber to to stick a housing development in the watershed of Lake Maumelle. The problem with that, of course, is that Lake Maumelle is central Arkansas’ primary water source. What the hell? Why back something that will clearly lead to more pollution of drinking water in the area? That effort – fortunately – failed.

* In 2006, he was in the middle of a controversy in the Arkansas Supreme Court. Justices found the Legislature’s method of providing funding for local projects violated the state constitution and pointed to Johnson’s $400,000 appropriate for road projects in Bigelow (his hometown) as a particularly glaring example of how the system was broken. Uh, Bigelow has about 300 people in it. What was that $400,000 used for and what kind of road project costs that much in Bigelow?

* Johnson backed that blasted cigarette tax last year to pay for a statewide trauma system (necessary) and a lot of other health-related stuff (probably not necessary). That measure passed and I’ve always had an objection to it. We voted to hold a statewide lottery that will generate cash for college scholarships. If, indeed, the money that is used for those scholarships now is replaced by lottery revenue, why not take that surplus and use it for a trauma system? He may call himself a conservative Democrat, but he’s sure as hell not a fiscal conservative. We could use a few of those right now.

* A few years ago when Republican Mike Huckabee was governor, Johnson – yet again – proved he loves spending those taxpayer dollars. He backed the governor’s plan to float $1 billion in bonds to pay for road repairs, see – a notion that infuriated a lot of us Republicans who’d like to see the government cut spending rather than increasing it and taking on more debt.

Again, Lincoln’s weak position in the polls may turn out to be a blessing if we get a strong Republican running for her Senate seat. However, I could well see a situation where that Johnson character gets in office and continues his spendthrift, pork-barreling ways on a national level.

He claims to be a conservative, rebel Democrat who is hard to define. That’s a bunch of nonsense as he’s fairly easy to define. If a project involves spending taxpayer dollars, you can bet he’ll be there pushing for it.

I think I’d prefer to see Lincoln have another term if Johnson is the alternative, honestly. I may not always agree with Lincoln, but I do like her and believe she’s looking out for the best interests of her constituents. I’m not quite sure what that Johnson character would do.

Friday, August 28, 2009

Get well, Crotchety!

crotchetyavatar125x125

Folks, one of the finest bloggers out there – the Crotchety Old Man – is laid up in the hospital.

I gave him a call today to check up on him and to wow him with my thick, hickish Arkansas drawl. He told me he’s without Internet access and will be for a bit because he’s quite ill. However, he mentioned that his wife is taking dictation so he can put up some posts and let us know how he’s doing.

I assume, then, that Mrs. Crotchety is also taking a peek at the man’s comments and reporting back to her ailing husband. To that end, I’d like to encourage each of you to head on over to Crotchety’s blog and post a comment.

Who knows? That might let him know a lot of people are thinking of him. At the very least, a slew of kind comments may cheer him up.

Think about it, huh? And, of course, I hope Crotchety is back and railing on his blog against things that annoy him. The blogosphere just isn’t the same without him.

Thursday, August 27, 2009

Wordless Wednesday – back to school

backtoschool

Well, my entry is a bit late but I figure it’s Wednesday somewhere, right? This photo is part of the famed Wordless Wednesday event, so click the link and head on over there to visit some of the other participants, huh?

Wednesday, August 26, 2009

Well, at least I don’t have to buy a new amplifier yet

BehringerGuitarLink

I’ve been wanting a new guitar amplifier for the past few years.

See, I used to have a decent guitar amp and a couple of great guitars – a Fender Japanese Telecaster and an Alvarez acoustic.

My amp, wonderfully customized Telecaster and Alvarez were hauled down to the pawn shop over a decade ago when I was practicing law and needed to pay my rent. Yes, people who owed me money put me off back then, but my creditors didn’t extend the same courtesy. Bastards.

At any rate, I’ve since replaced my beloved Telecaster with a Fender Deluxe Stratocaster and have been playing through a Danelectro Nifty 50 practice amp for the past few years. The Danelectro is fine (the thing is an absolute tone monster), but it is very limited.

Rather than spending about $600 on one of those great Vox Valvetronix modeling amps I’ve been wanting for some time, I decided to drop about $40 on eBay for a Behringer Guitar Link. That’s a nifty little device that allows you to hook up your guitar (or bass) through your computer’s USB port and wail away.

The device came packaged with some recording software, an audio editor and some amp models – all of that stuff is OK and is good enough to get you started. The amp modeling phenomenon is great, indeed, in that you’ve got software that will mimic various amplifiers. The very limited package that came with the Guitar Link is made by Native Sounds and mimics three amps – the famed Vox that was used by the likes of the Beatles, what appears to be some kind of Fender tube amp and something that attempts to mimic a Marshall tube amp (Native Sounds, apparently, hasn’t bought the rights to “swipe” the legitimate names of the amps their software attempts to emulate).

Of course, the combo package is limited in that you can try three models for 30 days and can get one for free by typing in a serial number that comes with the Guitar Link. Native Sounds is obviously hoping people will move on up to it’s allegedly good (and certainly expensive) Guitar Rig 3 which contains a ton of amp models, a lot of effects and all sorts of things that sound great.

At any rate, I’ve learned a few things while messing with the Behringer Guitar Link and figured I’d bore you good people with all that now:

1. A lot of critics out there claim that these software modelers will never sound as good as real amplifiers. They’re probably right. Hey, there’s no substitute for owning a huge amp, turning it up as loud as you can without the cops showing up and beating your guitar to death. However, this Behringer stuff is great for practicing and recording some demo tracks. One of my favorite features of the package I’ve got is that I can lay down a rhythm track, play it back and solo over it. My 12-year-old son has asked for a Epiphone SG for Christmas and I’m glad to know he’ll be able to do something I never did – bang out a chord progression and practice playing leads over it. Pretty cool. If the kid gets good at playing guitar, maybe he’ll get a “big boy” Gibson SG and an expensive amp. He’s got to learn to walk before he can run, however, and the Behringer Guitar Link (and his practice amp) will serve him well for now.

2. I suck at guitar and I’m mad about it. As a young The Hawg, I took guitar lessons from a fellow in Benton who was well versed in classic country, another fellow here in Benton who could play anything from classic rock to angry punk noise and an aging hippy in Fayetteville who proved just how intricate, complex and absolutely exciting playing rhythm guitar on a Telecaster through a Fender Twin Reverb amp can be.

I never was a great guitarist, but I could at least hold my own. My timing has gone to hell, my fingers won’t do what I know they can do and my poor Strat sounds like it’s being mangled by a sloppy cat who doesn’t give a damn. Obviously, things are different now -- when I was in college I had plenty of time to play guitar. However, being married, having a job and raising kids changes things quite a bit. Also, I can't exactly justify cranking up an amp when people in the house are doing other things (homework, watching television -- living, you know?)

I haven’t practiced regularly in years, see, but the Guitar Link will (hopefully) allow me to make up for a lot of lost time. Who knows? Maybe I’ll get back in the form I was in back when I sang (yelped?) and played rhythm guitar in my college band – the famed Wacky Savages. Yes, you can here my golden Telecaster running clean through a Fender Twin Reverb by clicking here. Ignore my Johnny Rotten-inspired yelp, though. What the hell was I thinking?

3. The Behringer unit was cheap, but setting up right might cost a bit of money. I’ve already had to buy a 1/8” to 1/4” adapter to plug some headphones into this thing (the unit will absolutely not play through my computer speakers). The headphones sound OK as do my computer speakers when I plug it into the unit, but what about feedback and all sorts of fun racket? That will likely require a decent set of monitors and they don’t exactly give those things away for free. Furthermore, I’ll have to get some decent amp modeling software as the package that came with the Behringer is decidedly limited. That costs some money, too. And what if I want to use a foot pedal to switch from, say, running distortion to running a clean channel? There’s some money as well.

You can wind up spending quite a bit to be able to play your guitar through your computer, mix tracks together and come up with some decent recordings. Is it worth it? Well, I don’t know. For now, I’m just happy I can practice whenever I want and I don’t bother people when beating on a guitar when I’m listening to my sloppy playing through headphones. That’s good enough for now.

The Behringer is a lot of fun and it didn’t cost much. As much as I’ve cussed computers since I got my first one in 1982 (a TRS-80 Color Computer!), I’m still regularly impressed with the applications that come out for the trouble-prone things.

Monday, August 24, 2009

Music Monday – Linda Rondstadt

I never much cared for Linda Rondstadt. This song, however, is nothing short of great.

Come join Music Monday and share your songs with us. One simple rule, leave ONLY the actual post link here. You can grab this code at LJL Please note these links are STRICTLY for Music Monday participants only. All others will be deleted without prejudice.




PS: Because of spamming purposes, the linky will be closed on Thursday of each week at midnight, Malaysian Time. Thank you!

Sunday, August 23, 2009

Bank of America does us a favor

Kudos_012

I’m kind of an odd Republican in that I simply don’t trust corporations.

Yes, I know they have their place and we need them to provide jobs and keep the economy going. However, I’ve spent most of my life with the feeling that some company or another was trying to get its hand in my wallet without providing just a whole lot in return.

For example, my home insurer loves to collect payments but tends to drag its feet when it comes to actually paying claims for damages. My mortgage bank has an annoying habit of increasing my monthly payment on my 30-year, fixed rate mortgage for no good reason. And, back when I was broke, I had my auto financing company swipe two car payments out of my checking account one month.

The company acknowledged its mistake and my bank did, too. Regardless, I was pretty much left to fend for myself – the money was gone and neither my bank or the finance company did a damn thing to help me get it back (and that’s one of the reasons I never let any company set up an autodraft on my bank account).

The company that stole my money, by the way, was Ford and I’ll be damned if I’ll ever buy one of their crappy cars again. I’ve had problems with financing through General Motors, too. Perhaps it’s no surprise that a couple of Toyotas are sitting in my driveway and I figure on buying a Volkswagen in a couple of years when I need a new car.

Yesterday morning my wife woke me up and told me that someone got her debit card number and tried to spend about half the money in our checking account. The surprise here is that our bank – Bank of America – called her, said they suspected there was a problem and offered to cancel her debit card.

Furthermore, my wife will get a new debit card and the bank will put back the money that was stolen from our account. Based on my past experiences with those sleazy bastards who tend to start financial institutions, that’s not the result I expected.

“It looks like someone stole your debit card and took all your money,” I would expect to hear. “That’s too bad. By the way, you owe us $2,000 to cover the fees, costs and the amount of the transactions that cut into your overdraft protection. When do you think you can pay us that?”

Seeing how I expect most banks to figure out new and creative ways to steal from me or throw me to the wolves if someone steals my account information, Bank of America’s proactive, helpful attitude simply shocks me. I don’t care what anyone says about that particular institution – Bank of America has just earned a customer for life.

I’ve found a bank that’s honest and genuinely looks out for the best interests of its customers. What a pleasant surprise.

Wednesday, August 19, 2009

Wordless Wednesday – animal control and … barbecue grills?

ExtremeAnimalControl2

Yes, here's my entry for the esteemed Wordless Wednesday event. Click the link and check out the other entries or submit something of your own.

Tuesday, August 18, 2009

Health care reform? What happened to this plan?

healthcare

The news was – as usual – full of the latest information about the health care debate that’s been raging for, oh, at least a few months now.

It seems the Obama administration is backing off the so-called public option – that would put the government in competition with private health insurance agencies – and is looking into setting up a private system of health care cooperatives that work like electric co-ops.

Or, maybe not.

What I’ve been wondering for awhile now is what happened to the Small Business Health Options Plan (SHOP) that was all the rage a year ago. Actually, I first heard about that plan in about 2001 when John Boozman – a Republican congressman from Arkansas’ 3rd District – talked about an early version of it during a meeting at the famed Catfish Hole in Fayetteville, Ark.

Under the terms of that plan, small businesses would be able to band together in statewide or national pools and obtain group health insurance rates that larger corporations currently enjoy. The idea, of course, was that such pooling would bring down health insurance costs and make plans affordable to even businesses with one employee.

A plan that would accomplish just that went before Congress in 2006 and was defeated in the Senate. At the time, senators from Arkansas said that the problem with the bill was that the Republicans blocked any attempts to add amendments to the Senate bill, thus prohibiting members from addressing the very real concerns they had about the legislation. Fair enough.

Last year, U.S. Sen. Blanche Lincoln (D-Ark.) was in Arkansas drumming up support for the legislation, which appeared in the Senate as S.2759 with a companion bill in the House as H.R.5918. After hearing of bipartisan support and support from such heavy hitters as the National Association of Realtors and the National Federation of Independent Business, both bills got stuck in committee and apparently perished there.

Perhaps it’s no coincidence that all the noise over SHOP died almost completely as soon as it was obvious that Obama whipped Hillary Clinton in the primaries and became the Democrats’ presidential nominee. Still, one has to wonder what happened to all that support for SHOP and why aren’t we hearing a peep about it these days?

We’re talking about a piece of legislation that had been worked on for at least seven years and was full of tax incentives for small businesses that offered health care insurance to employees. It was a mature bill and one that appeared to have a solid chance of becoming law. We’re talking about a piece of legislation in which both Democrats and Republicans had the chance to put in provisions they liked and raise hell about parts of the plan they didn’t like. Support was lined up from the private sector and attempts were made to address the concerns of the insurance industry.

All that work, seemingly, has been tossed aside in favor of a plan that just looks rushed and has certainly caused plenty of divided public opinion and hurt feelings.

Here’s the point to all this rambling – the ideas behind SHOP started to form back in the 1990s when Hillary Clinton’s attempt to reform health care failed completely. How did we get to the point when we threw over a mature, comprehensive bill in favor of “the next big thing?”

Furthermore, where the hell are those members of Congress who rallied behind SHOP and why aren’t they saying a thing about the legislation now? If the Obama plan fails, what do our representatives say to the people that SHOP could have helped?

Monday, August 17, 2009

Music Monday – Cheesy Elvis!

For some reason, I’ve always loved some of Elvis’ cheesier movies and Blue Hawaii is one of the worst of the lot. Ignore those critics – this little bit of bliss is one of the funniest things Elvis ever did. So, in honor of the day after the 32nd anniversary of The King’s death, I present one of the worst rock and roll songs from that particular movie and of all time. Enjoy!

Come join Music Monday and share your songs with us. One simple rule, leave ONLY the actual post link here. You can grab this code at LJL Please note these links are STRICTLY for Music Monday participants only. All others will be deleted without prejudice.




PS: Because of spamming purposes, the linky will be closed on Thursday of each week at midnight, Malaysian Time. Thank you!

Saturday, August 15, 2009

Remembering Elvis...


August 16 marks the 32nd anniversary of Elvis Preley's death. I thought it only appropriate, then, to post a clip from Elvis' 68 Comeback Special. Great stuff.

Sadly, it seems a lot of people have lately been comparing Elvis' legacy to Michael Jackson's. Come on. Seriously? Stop it...

“Highway to Health Care?”

Highway to Health Care

If you want to get annoyed almost daily, get a job and post your email address somewhere on the Internet.

Yes, you’re sure to receive one obnoxious message after another by companies trying to sell you things or convert you over to their point of view. There are times, however, when some of those cheesy messages provide a lot of entertainment. Just yesterday I received an email from the American Federation of State, County and Municipal Employees that is nothing short of a full-blown hoot.

Here are the relevant parts of that email:

‘Highway to Health Care’ – a rock-n-roll themed RV tour bolstering efforts for health care reform – will make a pit stop in Little Rock on August 18 at 10:30 A.M. to provide Arkansans the chance to climb aboard and contact their Members of Congress to demand real health insurance reform now.

Community leaders will host a press conference at The Arkansas State Capital at 10:30 A.M. to talk about the tour and how health care reform will improve the lives of Arkansans.

The Highway to Health Care tour, sponsored by the American Federation of State, County and Municipal Employees (AFSCME), features an RV outfitted as a mobile activism center, complete with on-board laptop computers, cell phones and postcards for participants to contact their senators and representatives. The tour includes health care-related posters and literature that pay homage to famous rock musicians and a video that urges local residents to write and call their members of Congress.

Initially, I thought the AFSCME (even the acronym is cumbersome) was against the Obama Administration’s health care reforms. Why else would someone come up with a name for a campaign that is obviously based on AC/DC’s “Highway to Hell?” What's next? "Heal You Like a Hurricane?"

After doing a bit of research, however, the group is obviously in support of those reforms. Odd. Go ahead and read all about their program by clicking here. The AFSCME, by the way, is a union that includes a lot of people working in the health care industry. One can’t help but wonder what the group’s interest is in this – a lot of union dues have obviously been spent on this campaign and you’ve got to believe they’ve got something substantial at stake here.

At any rate, I handle public relations for a living and can’t help but think that a slogan like “Highway to Health Care” is ideal for a group that opposes the Obama plan, but is terrible for one that is in support of it. David Lowery (of Camper Van Beethoven and Cracker fame) once observed that Americans simply don’t have a good handle on the concept of irony. He may be right.

It could be my imagination, but it does seem this health care debate is making people on both sides a little nuts. I’ve seen two doctors in the past couple of days (one for a checkup and one because I’m sick as a dog with a respiratory infection) and I’m kicking myself for not asking them what they think of this whole issue.

Oh well. Here’s a relevant AC/DC video to enjoy:

Friday, August 14, 2009

That black thing under your right foot makes the car move…

slow_car_club_183

While I’m used to being annoyed during my rush hour commute, I noticed a new, terrible trend taking hold while driving home from work the other night.

Now, I’m used to the typical hazards that plague the interstate around here. You’ve got people gabbing on cell phones and completely oblivious to the fact that they’re behind the wheel of a vehicle that’s going 70 miles-per-hour in heavy traffic. You’ve got the punk kids zipping in and out of traffic who seem oblivious to their own mortality.

Closely related to the punk kids with fast cars are the motorcycle riders who also love to dart in and out of traffic. Oddly, the Harley-Davidson riders seem to be among the most level-headed bikers on the road – the reckless 20-somethings who go for those “crotch rocket” motorcycles are the ones you just know are accidents waiting to happen.

Ah, but a new kind of maniac has hit the roads. I flew by a Toyota Prius the other day that was going about 50 miles-per-hour while traffic was streaming into Saline County at around 70 MPH. The driver wasn’t old and straining to look over the steering wheel. The driver didn't appear to be in pain and heading to the hospital. No, he was just clogging up traffic and didn’t seem to mind that two lanes of cars full of angry drivers were zooming past him.

I know for a fact a Prius will hit 70 MPH as I once test drove a hybrid and noticed that it moved along pretty well. I figured the driver was just a random nut until I ran across another Prius doing the exact same thing. A bit later, I came across another one. I’ve noticed some other drivers employing the same obnoxious technique since then.

A friend of mine tells me that some of these folks are purposely driving like it’s Sunday morning because they’re trying to maximize their fuel economy. I won’t call those folks “hypermilers” as I understand the people who engage in that practice are rarely a safety hazard.

Hey, if I can drive my Toyota Matrix like a bat out of hell and average 35 MPG on a long, highway trip, then someone in a Prius ought to at least be able to at least acknowledge that there is a speed limit and try to get somewhere close to it. What kid of smug bastard would tool around at 50 MPH, get in the way of other drivers and feel perfectly justified in doing so?

The fact of the matter is I do like the Prius and hybrid technology. Higher gas mileage means that fewer dollars are going to those rascals at the oil companies and people in the Middle East who don’t like us all that much.

But come on – show some consideration and get close to the speed limit, huh? If this kind of nonsense continues, I’ve got the solution – simply designate one of those three lanes on the interstate as the “slow ass” lane and arrest any crawler that refuses to stay in it. They can drive along without annoying the rest of us and everyone will be happy, right? It would be like building a wading pool to keep the kids and the adults segregated.

That’s a hell of an idea, actually.

Wednesday, August 12, 2009

No more vegetables (or why I stay in trouble at home)

No More Vegetables Want to get in trouble with your wife? Just get a blog and post something like the story I’m about to relate.

That ought to do it.

My wife goes to bed before I do, see, and I was getting ready to go to sleep the other night. Before I crawled into bed she started talking in her sleep.

“No more vegetables,” she said.

“What?”

“No more vegetables.”

Then she stole my pillow.

What the hell?

Blasted fleas…

Back when we lived in northwest Arkansas, the place was just crazy with fleas.

Every year we had to go to war against the things. They itch, they’re a health risk and I despise the little critters. Unfortunately, coming up with a good flea control plan is essential if you have pets (we do).

We don’t have as much trouble with fleas these days as we did in the past and that’s largely because we developed a plan to combat them over the years. Want to develop a plan in a hurry and skip past all the “hit and miss” stuff my wife and I had to try? Head on over to the Flea Control Guide, then, and pick up some great advice in a hurry.

To pick up an extra dose of inspiration, visit the pics of fleas section so you can get a look at the nasty beasts you’re fighting. Yuck!

This is the kind of thing that just drives me nuts

dissent2

The newspapers in Arkansas have been buzzing as of late – U.S. Sen Blanche Lincoln (D-Ark.) was quoted as saying unruly demonstrations at town hall meetings are un-American.

Lincoln later retracted her remark and I’m willing to give her the benefit of the doubt. I’ve voted for her and she has – for the most part – done right by my state and is generally receptive to ideas that fall outside the accepted canon of the Democrats (it’s a pity we can’t say the same about our other senator and that mumbling, mustached congressman from the 2nd District).

What I do take exception to, however, is the notion that people raising hell about what Barack Obama and his ilk are trying to do are somehow un-American. Apparently, that “patriotic dissent” that the left loved to howl about during the Bush years is only acceptable in certain instances (i.e., when a Democrat isn’t in power).

In this latest round of pooh-poohing, we’ve heard a lot about the “manufactured dissent” that the right has engaged in to cause trouble at town hall meetings. We’ve heard about how the extreme right is keeping the uneducated masses in a state of fear when it comes to healthcare reform through exaggerations, half-truths and outright lies.

In short, the right is being blasted to bits for using the same tactics that MoveOn.org celebrates and brags about proudly. The very idea that one group of organized rabble-rousers is patriotic while another one is un-American would be laughable if we didn’t have so many people willing to advance that notion.

I can’t say I agreed with a lot of the shenanigans from the left that we had to put up with during the Bush years, but they certainly had every right in the world to make their views known. It is an extreme example of hypocrisy for some of those same people – folks who were so vocal about how their protests were born of a love for their country – are the very ones declaring that howling conservatives are un-American.

It is more distressing to hear that very sentiment advanced by a U.S. senator. Sure she took her comment back, but one can’t help but wonder how many in her party think the same way.

Monday, August 10, 2009

Why there’s still room for a professional, independent press

reading-the-newspaper

As I’ve mentioned before, I make my living as a public relations guy.

I started out in the newspaper business, practiced law for a few years, went back into journalism and eventually would up with a PR gig. I visit with our friends in the press on a regular basis and have heard more than a bit of concern from some of those folks over the direction in which the media seems to be heading.

Specifically, the newspapers, television and radio news outlets have been laying off an alarming number of people here in Arkansas and it seems newspapers are actually shrinking in size as their owners try to figure out ways to combat shrinking revenue. That’s a true shame because the simple fact is that we need a healthy, independent and professional group of journalists out digging up stories and reporting.

Otherwise we’re looking at the grim prospect of the news being generated by the government, corporations, trade associations and other groups with a vested interest in what information the public has and what it doesn’t. With fewer reporters out there these days, there are a lot of people getting their news directly from those aforementioned outlets and that’s simply no damned good at all.

If you want to know how bad things are getting out there, I know of one organization (which shall remained unnamed) that has concluded that balanced, fair reporting is balanced or fair at all. The theory here is that there can only be one correct side of certain stories – the aforementioned organization is always right and any opinion to the contrary is simply wrong. What value is there, after all, in letting an incorrect opinion get loose in the public? If the highly-stylized “we’re right and everyone else is wrong so they should shut up” theory seems particularly arrogant, well that’s just because it is. Unless you’ve got a well-organized corps of journalists out to fight such well-organized conceit, who else with any credibility can do it?

Of course there’s always the argument that bloggers can somehow fill the role traditionally occupied by the mainstream media, but that’s only partially true. How many people are seriously going to make a career out of blogging and covering everything from what’s happening at the local city hall to what legislation is pending in Congress? There are some people out there attempting to do just that and some of them do a fine job, to be sure, but there are always questions of bias (for example, name one political blog out there that’s truly neutral). Besides, how many people can make a living out of blogging? If someone is going to pursue such a “citizen journalism” route and sell advertisements, will their revenue stream be strong and diversified enough to tell a major advertiser “no” when pressured to write a certain story or slant things in favor of a certain company?

Bias has always been a problem in the traditional media, of course, but the better journalists I’ve known have always tried to fight such favoritism. Further, the better newspapers I’ve worked for have kept their advertising and editorial departments separate. When I was a reporter and had advertisers call me and try to convince me of the merit of a certain story, I had the authority to refuse and know that the newspaper would back up my decision. That is a luxury that you just don’t have when you rely on just a few advertisers and they become very interested in what news is being distributed to the public.

The answer, I think, is to merge (for want of a better term) what professional journalists do with what bloggers do. Again, there are some publications taking that route but they are running into problems – how can an organization make money by distributing news over the Internet? Is there really enough advertising revenue out there to support a slew of intensely local and national media outlets on the Internet?

How journalism will look in a few years is anyone’s guess. However, I do believe one thing is clear – we need a professional corps of journalists who make a living by nothing but reporting the news and trying to be impartial about it.

Music Monday – Oingo Boingo!

Come join Music Monday and share your songs with us. One simple rule, leave ONLY the actual post link here. You can grab this code at LJL Please note these links are STRICTLY for Music Monday participants only. All others will be deleted without prejudice.




PS: Because of spamming purposes, the linky will be closed on Thursday of each week at midnight, Malaysian Time. Thank you!

Sunday, August 9, 2009

My life would be better with a laugh track

grouplaughter

I’ve thought about it a lot and I’ve decided that life would be much better if I only had a portable laugh track.

Let’s face it. Being a husband, father and working stiff can get a bit mundane. What is needed here is a laugh track to emphasize those daily events that are actually a hoot.

I’m not just talking about a laugh track, really. I’m talking about something that could transform my everyday experience into one long situation comedy. My laugh track (for want of a better term) would include applause, the mass “oooo!” sound that audiences make when they see something particularly tantalizing, etc.

Here’s how it would work. Let’s say I come home from work:

The Hawg – Walks through front door. “Honey, I’m home.” (applause)

The Hawg kisses Marci Kay (cue that “oooo!” sound effect)

Brenda SueCarol (our young daughter) – Wrinkles nose. “Eww! Get a room!” (laughter)

Now, what could be more fun than that. I could use my laugh track at work, too, for those events that just beg for one. For example, my rat terrier – the famed Cobb – was tossed in the pound a couple of years ago and I had to bail him out.

Cobb ran into trouble about a year after that when the animal control folks stopped by my house because a neighbor had been complaining about Cobb’s barking. Now, you need to understand a couple of things. First of all, there’s an ordinance in town that prohibits dogs from barking from 10 p.m. to 7 a.m. (or something like that). So my barking dog wasn’t breaking the law.

Also, this particular neighbor who sent animal control our way (and probably had Cobb tossed in the pound in the first first place) hates my dog. This individual’s way of dealing with unruly animals is to starve them to death and/or let them die of heat exhaustion by chaining them up out of the shade and giving them no water in the summer (I just wish I was kidding). So I don’t give a damn if that individual likes Cobb or not, frankly.

At any rate, I related the story of animal control showing up at my house to my friend Dave at work. He made a quip that is worthy of a laugh track:

Dave – Shakes head. “Man, they’re just picking on Cobb because he’s got a record.” (insert laugh track)

Now I just have to figure out where to get a laugh track and how to carry it around with me wherever I go. I will caution you – this is my idiotic idea and you’ll be a big doo-doo head if you steal it.

Wish me luck!

Saturday, August 8, 2009

Midget wrestling and minor league baseball? Seriously?

midgetwresling

A friend of mine was excited at work today because he received an email notification that there would be midget wrestling last night in North Little Rock at an Arkansas Travelers game.

No. You really can’t make up stuff like this. Here is the relevant part of that aforementioned email:

“The show you definitely don’t want to miss…MIDGET WRESTLING makes its final appearance of the 2009 baseball season presented by Midtown Billiards, The Edge, CW Arkansas and Fox 16. L’il Kato and Puppet ‘The Psycho Dwarf’ will battle for the World Heavyweight Midget Wrestling Championship at 6:45 p.m. in the squared circle at home plate!”

My friend called me from the game, declared the event “awesome” and shot some video on his iPhone that I can watch at the office on Monday. Sadly I couldn’t make it out to see some midget wrestling and I’m not sure whether L’il Kato or Puppet ‘The Psycho Dwarf’ won the event.

It doesn’t matter that much, really. I just feel I missed out on something unusual and more than a bit entertaining. I’ve been an Arkansan my entire life but some things that happen in this state still surprise me.

Midget wrestling before an Arkansas Travelers baseball game. Wow.

Friday, August 7, 2009

Foreclosed – a few words about my Wordless Wednesday entry

foreclosed

Yes, it seems like just yesterday (in fact it was just yesterday) when I submitted the photo on the left as my Wordless Wednesday entry.

I didn’t take that photo or come up with the nifty “speech bubble,” but I had to share the picture. Why? I make my living as a public relations guy (I prefer the term “media cat” but that hasn’t caught on) and have heard a lot about foreclosures over the past couple of years.

That photo was sent to me by a fellow in my office (the technology cat, to be precise) as he’s heard a lot about foreclosures, too.

There are a couple of things about the foreclosures topic that are worth mentioning. For one thing, we’ve had our share of those things in Arkansas, but our troubles have been few compared to a lot of other states. One of the primary reasons for our good fortune in that regard has to do with the conservative nature of our lending institutions.

The National Association of Realtors tells us that the majority of foreclosures involve subprime mortgages. A lot of banks in this state simply refused to deal with those mortgages, so we’ve not had as many defaults as some other areas. Arvest – the largest bank in Arkansas – is one of those that simply refused to deal with subprime mortgages.

Second, I’m sick to death of the bickering over whether Republicans or Democrats are to blame for the collapse of the subprime mortgage market. The simply truth is that this mess has been brewing for 30 years and both political parties had a hand in it.

Yes, back in 1977 the Jimmy Carter administration pushed through the Community Reinvestment Act to encourage more relaxed credit standards so as to make it easier for people to take out mortgages. The thought was that poor folks and minorities were being discriminated against by banks that wouldn’t give the money. Equity, seemingly, demanded a remedy.

Some of that risky lending, as you might recall, was a contributor to the savings and loan crisis that beat the hell out of the financial system from the mid-1980s through the early 1990s. Rather than learn from the mistakes made, Bill Clinton announced in 1999 that everyone has the right to own a home and his administration pushed through measures that further relaxed lending standards for Fannie Mae and Freddie Mac.

Jump forward to the first term of the George W. Bush administration and you may recall that the only thing going well in the economy was the housing market. In an attempt to keep that rolling, lending standards were relaxed a bit further. They might not have been actively pushed for Bush, but you’d better believe his administration didn’t have much motivation to say “boo” about the alarmingly lax standards.

The key to the whole mess, of course, is the mortgage backed securities market. A mortgage backed security is exactly what it sounds like – an instrument that behaves like a bond and is backed by mortgages.

For awhile, investors lined up in droves to buy those things. Local banks generally didn’t have much call to scrutinize loan applications to closely – all they knew was that Fannie Mae and Freddie Mac would guarantee those mortgages. Meanwhile, Fannie Mae and Freddie Mac could simply dump those loans on the mortgage backed security market and everything would be dandy.

Well, it didn’t turn out so dandy, did it? When you float a bunch of risky mortgages out there with terms that are too much for borrowers to bear, you wind up with a lot of foreclosures. Some of the mortgages being written just a few years ago were downright odd. We’re talking about thing like mortgages on which borrowers paid interest only for a period of a few years. When those few years ran, borrowers had to pay both interest and principal and simply couldn’t afford mortgage payments that went up by hundreds of dollars overnight. Adjustable rate mortgages often contained such unfavorable terms (i.e., locked in at a low rate for a few years then the mortgage would float) and we saw a lot of foreclosures from that end, too.

So a lot of the subprime mess was brought on by government interference and downright greed on the part of a lot of the financial industry. Borrowers, too, jumped in over their heads and were convinced the could sell their homes for a profit before the unfavorable terms of their subprime mortgages took hold. As we’ve seen, that was just not a safe bet – housing values plummeted due to overbuilding, downward pressure on prices, a souring economy and a host of other problems.

Oh, and here’s more great news – default rates on prime mortgages have increased dramatically this year according to the Federal Reserve. Great.

The good news here is that banks seemed to have learned a thing or two over the past couple of years. They’re looking hard at credit reports and are generally insisting on down payments from people wanting to take out mortgages. It’s worth mentioning that Arvest – and a lot of other banks that didn’t take any bailout money – had those policies in place for years.

Perhaps other lenders – and the federal government – can learn a thing or two about the value of conservative lending and taking as few risks with investors’ money as possible.

This post is part of the oh-so-dandy Tell Me Thursday event. Bump the link to find out more about Tell Me Thursday!

Wednesday, August 5, 2009

Lou Holtz for Congress? Heck yeah!

LouHoltz

Here’s some news that ought to make any Arkansan proud – Lou Holtz might run for a seat in Congress.

You heard me right – he may run as a Republican and challenge central Florida incumbent U.S. Rep. Suzanne Kosmas, a Democrat.

For those of you unfamiliar with Holtz, he was the head coach of the Arkansas Razorbacks until he was run out of this state by a pack of morons in 1983. He went to a little college called Notre Dame in 1986 and led the Irish to a national championship in 1986.

I’m all for Holtz for at least a couple of reasons. For one thing, the man is a hoot. I have said – time and time again – that we ought to be electing better leaders to national offices. The American public doesn’t seem to interested in that as evidenced by the rotten candidates that have run for president since Ronald Reagan left office (yeah, the Democrats and Republicans have both scraped the bottom of the barrel for candidates since 1988).

Seriously, folks. The last presidential election featured a grumpy old man who didn’t seem to know what he really wanted to achieve and a fellow who stole his campaign slogan from Bob the Builder. We quit worrying about quality candidates and responsible government years ago.

Yes, you could expect Holtz to always be up to something wacky and popping off about this, that and the other. Holtz has a big mouth and it often gets him in trouble. If we can’t expect much from government, then we can at least be entertained, right?

My view of politics is – I realize – cynical as can be. I explain my point of view to people by relating a story from my days as a student. When I was a freshman at Hendrix College in scenic Conway, Ark., I was ironing a shirt in my dorm room (I have always hated ironing). I heard a knock at the door, yelled “come in!” and a fellow wearing a coat and tie entered.

“Hi!” he enthused as he handed me a pamphlet. “I’m blah-blah and I’m running for student council! I would really appreciate your vote.”

“You really want my vote?” I asked.

“Yes.”

“Then get in here and iron my shirt.”

“I’m not going to iron your shirt!”

“Then I’m not going to vote for you.”

The poor slob looked like he wanted to say something but just couldn’t manage it. He wandered off in a huff, leaving me with my ironing and a great story that I’ve been telling for over 20 years now.

Here’s the point – if I would have gotten that guy to iron my shirt, I would have received more benefit from an elected official than most people receive in their lives.

If we can’t expect the government to do much, then there’s nothing wrong with voting for someone who could at least make political news interesting. Yes, I’d expect his speeches from the House floor to be littered with all sorts of sports analogies.

“It’s third and long, but we’re not giving up,” Holtz might say. “We’ve hit the two minute warning but I know we’re mounting a comeback that will be one for the books.”

Another reason I like Holtz is that he might actually get something done. The man is a loose cannon who says what he means and isn’t afraid to back down from a fight. Compared to that mealy-mouthed Vic Snyder who represents Arkansas’ Second District (my district, sadly) in the House, a hell-raising, straight shooter like Holtz would be a refreshing change of pace.

Snyder mumbles the party line through his mustache while Holtz tends to get angry and yell what’s on his mind. Of course, Holtz’s tendency to disregard the consequences of his words might be the thing that would cost him enough votes to keep him out of Congress. That would be a shame.

Now, I know a lot of people like to talk about experience when it comes to politics these days. The notion, of course, is that someone who hasn’t served in an elected office just isn’t as effective as someone who has.

That’s a bunch of crap. Look here – Holtz managed to lead the Razorbacks to a stunning victory over the Oklahoma Sooners in the 1978 Orange Bowl, has a national title under his belt and is in the College Football Hall of Fame. He’s achieved more than 95 percent of the careerists in the House or the Senate. That’s good enough for me.

I like this notion of Holtz running for office so much I might just make a contribution even though he’d be representing Florida rather than Arkansas. You want change? Just put Holtz in office and you’ll see some change.

(Almost) Wordless Wednesday – foreclosed?

foreclosed

Why not visit Wordless Wednesday to check out the other participants or submit something of your own?

Tuesday, August 4, 2009

No. No. No!!!

EvilKissMMsAs if I didn’t have enough to be mad about, I read the confirmation from KISSonline.com that one of my favorite bands had agreed to do an ad campaign with those filthy, filthy charlatans at M&M’s.

I haven’t been this mad since Nike was trying to sell me some shoes by pimping out the Beatles’ “Revolution” in an ad campaign that only a corporate stooge could love. Sadly, it’s not surprising. After Gene Simmons’ decades of hawking everything from Kiss Kaskets to his own wife’s tell-all memoirs, he apparently had enough of his soul left to sell to M&M’s – this generation’s great evil.

Yes, my outright hatred of M&M’s is well documented. I’ve got another reason to hate them now – that cheap, rotten Mars bunch is now going to get a little fatter off the legacy of a band that used to be great.

Yeah, laugh it you want. But Kiss did, indeed, used to be a great band. They suck these days and it’s somehow fitting that they’re banking on their makeup days in public appearances and in that filthy M&M’s ad, but two of the members that made the band great – Ace Frehley and Peter Criss – are nowhere to be found.

No, Criss has been replaced by Eric Singer and Tommy Thayer is filling in for Thayer these days. Singer and Thayer can wear the makeup, but it’s not the same thing no matter how much Simmons and Paul Stanley want us to believe that it’s just like the good old days.

Frehley and Criss are lucky in a way – at least they aren’t around to see themselves portrayed by stinking, talking M&M’s.

Speaking of Frehley, he’s got a new album coming out on Sept. 15 (click here to stream the track "Outer Space," by the way -- rocks!) Here’s hoping his new record blows the one being slopped together by Kiss out of the water. They’re probably too busy playing with M&M’s to record anything worth a damn, anyway.

Still, the very idea of pairing one of my favorite bands from my childhood with cheap, nasty M&M’s is nauseating. At least Nike makes decent shoes and that removed some of the stink of that “Revolution” faux pas. The M&M’s bunch can’t even fall back on a decent product.

It’s worth mentioning that there is supposed to be a “special KISS edition” of that barely edible M&M’s candy before long. Were it up to me, I’d call the Kiss version of that junk “Extra Krappy.” Heh, heh.

Phooey on Kiss and M&M’s both. Just plain phooey.

Monday, August 3, 2009

Pronounced ‘You-Sneb-Bitch’

I love this band. Why? Because these lads go out of their way to be really, really horrible. Check out the glory of King Uszniewicz & the Uszniewicztones for yourself by watching the below video (and read more about this disaster of a band over at Norton Records).

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Sunday, August 2, 2009

New and different? Really?

Pearl_cans

My wife and I were watching Burn Notice the other night (truly a great show) when something not so great happened.

Yes, it seems there was a very obvious product placement ad for one of those 64 calorie light beers that was awkwardly inserted in the episode we were watching. Well, it was 64 calories or something close to it and I think it was Michelob, but I was too irritated to care.

Now, I don’t mind people out making a buck and I’m not to irritated by very obvious product placement ads in the middle of television shows. What does annoy me, however, is when someone takes an idea that has been around for years and tries to market it as something brand new.

That level of conceit relies on the notion that we just aren’t paying attention. Bugs the hell out of me.

Here’s the thing. A lot of these breweries have been howling about their 60-some-odd calorie beer lately. Folks, this is absolutely nothing new. Every hear of Pearl Light? It weighs in at 68 calories and has been around for decades.

The thing about Pearl Light, however, is that it’s kind of hard to come by these days and absolutely no advertising revenue is spent on it. Pearl was established way on back in 1883 and is still brewed in Fort Worth, Texas. Read all about Pearl here.

Pearl Light is cheap swill that costs about $7 for a 12-pack around here and it’s hard to find it (I’m told) outside of Texas, Arkansas and Oklahoma. Still, it’s low calorie cheap swill and seems to have beaten those other brewers of cheap, diet beer to the punch by several decades.

Still, these other brewers have the marketing bucks so I guess they can howl about their “new” beer all they want. Some of us, however, know better.

By the way, I can’t stress enough how great of a show USA’s Burn Notice really is. It’s got Bruce Campbell in it and anything with that guy in it is automatically great.