Kenmore Undressed

Mr. Freeze, the Financial Curmudgeon Adores Elizabeth Warren

Mr. Freeze is In LOVE!!!♥♥♥

Sources report: "Mr. Freeze Loves Elizabeth Warren."

I, Mr. Freeze the Financial Curmudgeon am in LOVE. Yes, Cupid’s arrow hit me right in my glacially frozen heart and it (literally) melted!! Last night I was enjoying an ice cold vodka on-the-rocks (go figure) as I was watching “Real Time” with Bill Maher and THERE SHE WAS: Elizabeth Warren…..Oh baby, oh ya!

ELIZABETH WARREN IS HOT!!!!!!

Bill was actually doing a follow-up interview with “Liz” about the continuing strangle-hold the banks and credit card companies have on American families. I have to tell you, I, Mr. Freeze the Smitten Financial Curmudgeon, was enthralled by her eloquence in describing how the banks continue to invest in the same high risk “securitized instruments” that brought our economy to its knees in 2008. She also attacked Mr. Freeze’s sworn enemies THE CREDIT CARD COMPANIES, AKA SATAN. Even after the positive reforms just now going into affect to curb credit card company abuses, the companies are already finding ways to add fees, penalties and usury back into their bags of tricks.

In all seriousness, Mr. Freeze believes that there are very few people in government today who defends the interests of the American People more than Elizabeth Warren. As Chair of the Congressional Oversight Panel she has been responsible for oversight of the Department of Treasury’s administration of TARP. Over the last year she has been incredibly critical and blunt about how little has changed in the world of banking. Here’s a sample of her interview with Bill Maher last night:

Click on this picture to view the interview (Isn't she HOT!)

Mr. Freeze simply can’t get enough of “Liz.” Oh, I LOVE that gal!!!

Mr. Freeze courtesy of flicker.com and is the creation of ElDave.

Share

Grocery Outlet Is Moving to a New Kenmore Location

“Moving a Whole Store Is a HUGE Project”

Judy Bartlow's Guiding Principles of Success!

I was fortunate to finally catch up with Judy Bartlow, the Owner/Operator of Kenmore’s Grocery Outlet. She is one incredibly busy person and it was obvious that sitting her down for a chat was going to be a challenge. I had been trying to do and interview with her since before Christmas when the owner of Kenmore Square told me Grocery Outlet had signed a lease and was moving from its long-time location at Kenmore Village. Well, it’s now official. Grocery Outlet is moving. Judy told me the target date for opening the new store is April 8th. She also told me that planning and executing this move is a Herculean project.

The Current Location of Grocery Outlet at Kenmore Village

Grocery Outlet is moving from the Kenmore Village location.....to

The Future Home of Grocery Outlet at Kenmore Square

...to 7808 NE Bothell Way in Kenmore Village

Judy has been the Owner of Grocery Outlet since 2004 and as she reflected on her long career in the grocery/retail business, it was obvious that she’s one of those fortunate people who has found meaning and fulfilment through her work. She told me that being the owner of GO freed her from the “corporate life” and has allowed her to truly give back to her customers, community and employees. As is the case with so many business owners, Judy has spent a huge amount of time nurturing and training her staff to create a winning team of professionals. She feels as if her staff has created a family at GO and that they go about the business of operating a successful operation by sharing a “common conversation.”

A Nice Store with Great Values and Wide Variety of Merchandise

Judy explained that Grocery Outlet is unique in many ways. Unlike many grocery store chains, GO has a staff of buyers who spend a lot of time travelling the whole world in search of good values and unique products. She proudly stated that “we are master merchants.” As you walk the isles of GO you will not only find familiar name brand products but also a huge variety of items you won’t see at other stores: I noticed some very high quality Italian Olive Oil’s and interesting wines at good prices.

I asked Judy who the average GO shopper is. “We attract a wide range of shopper. Of course there are those looking for bargains who want a good deal; however, we find a lot of local residents shop at our store.” She also mentioned that she has a lot of “long term wine shoppers!”

I was mightily impressed with Judy and her Grocery Outlet. Her enthusiasm for her store, her employees, community and industry is infectious. She has spent a lot of time cultivating a great business and she has also given back to the City of Kenmore through a number of charitable events and programs (The Childhood Cancer Care Line, Easter Egg Hunt and a Feed a Family Program).

The City of Kenmore is lucky that Grocery Outlet is staying here as it is truly a jewel in our business community crown. Let’s send some good energy to Judy and her staff and wish them a smooth transition to the new location. This is exciting! Oh, did I mention that GO will be very close to my house!!! I can’t wait!

Share

The Great Recession – Are We Out of the Woods?

NO, In Fact Don’t Get Comfortable

The "American Way" has some serious systemic problems

This Great Recession in which we find ourselves has had an enormous impact on many facets of our lives. If you’re paying attention, you know that the “American Way” may not have been as affluent as it appeared. Certainly, we know just how over-inflated the housing market became. As a Realtor® I believe it’s imperative that we understand the underlying causes of this recession and, more importantly, we need to consider what’s going to happen in the coming years. Should we be optimistic given the rise in the Stock Market this last year? Should we expect home prices to rise? Will the job market improve?

7 “Inconvenient” Economic Realities to Ponder

Pondering the Future!

Dan Froomkin of the Huffington Post has written a powerful summary of a series of articles from the Nieman Watchdog website which highlight 7 things about the economy that we should be worried about. He writes:

“A common theme underlying them all is that while our leaders — and the voices of conventional wisdom — treat our current recession as cyclical in nature, and are essentially mostly just waiting around for growth to pick up again, there is plenty of reason to believe that this crisis was instead an expression of structural problems. And if that is so, and we don’t take the proper action, then the wait could be a long one.“

I highly recommend you read the article entitled: Seven Things about the Economy that Everyone Should Be More Worried About than They Are.

Here is a summary of the 7 ideas:

1. The middle class may never be the same again – Lost wealth + high debt
2. The recovery could take a really long time – The recovery has been largely government funded and this won’t last
3. The recovery could only be temporary – What will spur new growth?
4. Then what? We don’t have the tools to get out of a recession – we can’t keep borrowing forever or lower interest rats any lower
5. The “very real” people in Washington are still obsessed about the deficit – let’s not make the same mistake made during the Great Depression
6. Whatever is making the stock market go up could go away – where’s all the money coming from to fuel the current rise in the market?
7. The hugely irresponsible financial sector remains unchastened – the banks, so far, have been successful in dodging regulation

Why is this important to talk about on a real estate blog? Well, it was irrational speculation that drove the housing bubble that helped bring our economy to its knees. As we face the future, I think it’s important for anyone buying or selling property to think carefully about what long-term consequences there are in being in this difficult market.

Share

Mr. Freeze, the Financial Curmudgeon – A Special Report on the New Credit Card Law!

A Victory Against the Credit Card Industry!

Credit Card Companies are SATAN!

I, Mr. Freeze, the Financial Curmudgeon have been waiting many years  for meaningful changes to the Credit Card Industry in America, an industry that is, by its very nature “legalized, usurous loan-sharking.” Today, Mr. Freeze is a happy curmudgeon because the Credit CARD Law of 2009 (officially known as The Credit Card Accountability, Responsibility Act of 2009) goes into effect in February; however, one of its main protections began yesterday: Any notice of a rate increase to existing balances under the new credit card law must be dated no later than yesterday (January 8, 2010), 45 days before the February 22nd enactment of the bulk of the Credit CARD Act.

Let’s Revisit the Law

The Credit CARD Act of 2009 was passed by Congress and signed into law on May 22, 2009 and is one of the most sweeping, consumer credit friendly laws passed since the late 1970’s. Simply put, it is going to end a great deal of the abusive, predatory and unethical practices by the Credit Card Industry which, as you all know, Mr. Freeze  considers SATAN HIMSELF.

In order to help you better understand the provisions of the law, I, Mr. Freeze, have compiled several resources to help you understand the new law.

The first is a list of the law’s provisions presented in Wikipedia:

Cardholders Deserve Protections against Arbitrary Interest Rate Increases.

• Requires card companies give cardholders 45 days notice of any interest rate increases.
• Gives cardholders the right to cancel their card and pay off their existing balance at the existing interest rate and repayment schedule if they get hit with an interest rate hike; gives cardholders 3 billing cycles after the rate increase to say no to these new terms.
• Prevents card companies from retroactively increasing interest rates on the existing balance of a cardholder in good standing for reasons unrelated to the cardholder’s behavior with that card (the so-called “universal default” rate increase).
• Prohibits card companies from arbitrarily changing the terms of their contract with a cardholder, banning the so-called practice of “any-time, any-reason repricing.”

Cardholders Who Pay on Time Should Not Be Penalized.

• Prohibits card companies from charging interest on debt that is paid on time during a grace period. This prevents the so-called “double-cycle billing” practice.
• Prohibits card companies from slapping fees on the remaining interest-only balance of a cardholder who has paid his/her bill on time.

Cardholders Should Be Protected from Due Date Gimmicks.

• Gives cardholders time to pay their bills by requiring card companies to mail billing statements 21 calendar days before the due date (14 days is the current minimum).
• Requires that payments made before 5 p.m. EST on the due date are considered timely.
• Requires the due date to fall on the same day each month. If the fixed due date normally falls on a Saturday, Sunday or legal banking holiday, then the due date shall be pushed back to the next business day after the date. This measure prohibits due dates to fall on a weekend or holiday.
• Directs card companies to provide on every statement, a phone and internet address that a cardholder can access for payoff balances.
• Prohibits card companies from charging late fees when a cardholder presents proof of mailing his/her bill within 7 days of the due date.

Cardholders Should Be Protected from Misleading Terms.

• Prevents card companies from using terms such as “fixed rate” and “prime rate” in a misleading or deceptive manner by establishing single, set definitions of those terms.
• Gives cardholders who get pre-approved for a card the right to reject that card up until the moment they activate it without having their credit adversely impacted.

Cardholders Deserve the Right to Set Limits on Their Credit.

• Requires card companies to offer consumers the option of having a fixed credit limit that cannot be exceeded.
• Prevents card companies from charging over-the-limit fees on a cardholder with a fixed credit limit.

Card Companies Should Fairly Credit and Allocate Payments. (Title I, Sec 104 (4))

• Requires card payments to be applied to the debt with the highest interest rate first (after minimum payment). Most card companies currently require cardholders to pay off a lowest interest rate balances first.

Card Companies Should Not Impose Excessive Fees on Cardholders.

• Limits the amount of “over-the-limit” fees card companies are allowed to charge to 3. Some card companies currently charge limitless fees for going over credit limits.

Vulnerable Consumers Should Be Protected From Fee-Heavy Subprime Credit Cards.

• Requires that all fees for subprime cards, whose total fixed fees over a year exceed 25 percent of the credit limit, be paid up front before the card is issued. These cards are generally targeted to vulnerable consumers.

Finally, Mr. Freeze believes you’ll find Frontline’s superb documentary entitled:

THE CARD GAME. Just click on the picture to watch this informative and provocative story:

Click on this picture to view THE CARD GAME

THE LESSON IS – DON’T USE CREDIT CARDS

Mr. Freeze, the Financial Curmudgeon has been preaching about the EVIL OF USING CREDIT CARDS for the last 20 years. Let’s face it, as a culture Americans have been living on debt for far too long. Now, in the first decade of the 21st Century, we have come to a precipice of never-ending servitude to the venal and cynical power of the Credit Card and Banking Industries. So much for land of the free……I’m afraid that all the preaching, yelling and educating will not solve our collective debt crisis. A huge number of Americans will never learn the wisdom of living within their means and they will plunge off that precipice with their families. Tragically, everyone will suffer…..except the corporate loan sharks.

For more information about the new Credit CARD Act of 2009, here are a number of other helpful links:

• The Wild West of Credit Cards Can’t be Tamed by Laws Alone
• 8 Major Benefits of the New Credit Card Law
• The White House Fact Sheet regarding the Credit CARD Law
• Credit Card Reform Timeline

Share

A Quick Word about Jobs and Real Estate

68,000 Jobs Lost in the Seattle Area

One of the “universal laws” of real estate is: A good job market equals a good housing market. Of course, the “other universal law” of real estate is: When people lose their jobs, they lose their houses AND THEN, for some, it’s still a good real estate market because there are short-sales and foreclosures to buy, right? I believe the employment statistics from 2009 may help us understand what 2010 will bring in terms of the housing market.

Employment Statistics from 2009

According to Puget Sound Business Journal (January 6, 2010), the Seattle area shed 68,000 jobs in 2009 which is a 3.9% loss in employment. The Journal also reported on January 4, 2010, that, state wide,  33,100 jobs were lost in the Construction Industry which is an 18% drop in employment.

Even though the local “real estate gurus and economists” are putting a positive spin on last year’s improvement in home sales, (see my post “Real Estate Headlines – Do They Make Sense?“), I believe 2010 will continue to be a tough year for the local market. Here are several reasons why:

• Even though the inventory of foreclosures, short-sales and other “distressed” properties will rise, most of these transactions do not close.
• Regular transactions have become difficult in terms of appraisals, loan approval, etc..
• The tax incentives, as well-intentioned as they are, won’t significantly increase the number of buyers, especially in those price ranges related to 2nd-time buyers hoping to “move up” to a more expensive home.
• Finally, the job figures point directly at a systemic problem with our local market: With fewer jobs there are simply fewer people in the buyer’s pool. Also, I think that when workers perceive that a job market is tight, they are less likely to change their current situation and “hold the course” until better times come along.

Please understand my thinking here: I’m not pessimistic about the real estate market here in the Seattle Area. We are far better off than a number of other areas in the U.S.. I do believe it’s important to acknowledge that there is a NEW NORMAL in the housing market which does not look like the boom years of 2004-2007. For those of you who will enter the real estate market this year as buyers or sellers, it’s imperative that you set REALISTIC expectations and work with a real estate professional who has a good grasp of your local market.

As a Realtor® here in Kenmore, WA I have years of experience in the residential real estate market. If you have any questions about the market, please contact me. I’d love to hear from you.

Share

A New Year’s Resolution – Move Your Money

A number of my favorite blogs have posted the clever YouTube video entitled “Move Your Money.” The video uses clips from “It’s a Beautiful Life” to encourage us all to move our money from the large, commercial banks to community banks or Credit Unions. I highly recommend you watch this wonderful video:

Click on this picture to view "Move Your Money"

Just a quick reminder: Always research, thoroughly, any institution in which you plan to put your money.

Share

But Santa, I Didn’t Ask For a New KENMORE City Hall! .

Ever Receive a Gift You Did Not Want or Even Ask For?

Did the Citizens of Kenmore Ask for a New City Hall?

Yesterday my wife and I celebrated Christmas with our friends. We had a nice turkey dinner with all the trimmings and then we opened gifts. Nothing terribly earth shattering about it. As adults, we are well-aware that gift giving is fairly predictable. We give our  friends and family the “wish list” and basically, we receive some of the things we ask for. We also try to give our loved-one’s things that they want or need. Occasionally, we get the rouge gift (in my case someone always gives me a little “off-color” treat) or we get a real “surprise” that makes the celebration truly fun. Yes, it’s all part of a spirit of generosity and friendship. Good stuff!

But Then I Think About the Gift that Keeps On Taking

Unfortunately, there are times when Santa brings us stuff that we don’t want or need or (frankly) appreciate. You know, the ugly toaster, the ill-fitting shirt or cheap jewelry. We smile and say thank you knowing in the back of our minds that we will either take the offending “thing” back or exchange it for something better. The fact is, this situation is really easy to fix and no one gets upset.

Well, my fellow Kenmore Residents, every day I drive past the construction site of the new Kenmore City Hall, and I can’t help but think of it as one of those presents that we didn’t ask for. I don’t know of anyone who was asked by the City Council if they wanted a new city hall. It wasn’t on anyone’s “got-t0-have-it” list. The most disturbing thing is our City Leaders are spending A LOT OF MONEY ($18 Million) to build the new city hall…….city money, the community’s money. Basically, it’s like giving someone a present by taking money out of that person’s bank account to pay for the gift.

This last year, I’ve done a lot of thinking about a number of  “big picture” issues here in Kenmore and I’ve come to the conclusion that the city “looks” a little better but fundamentally, we have not really improved that much. Some of the improvements made on SR522 have been helpful. I’m not so sure the traffic flow is any better than it was before the make-over. Aesthetically it’s more pleasing. But what so disturbs me is the fact that, at a time when the city leaders should be focusing on how to transform Kenmore from a strip-mallish bottleneck to a 21st Century town, they thought it was prudent to build a new City Hall. Perhaps I’m not thinking about this clearly, but I simply find it hard to believe Kenmore City Government will be more productive or accomplish more because the city staff has a nice new building from which they conduct business. I’d be willing to bet that the money being spent on the new hall could have been appropriated in far better ways.

It’s too bad we can’t bring this “gift” back to the store and get a refund. We never asked Santa for it, he basically shoved it down our collective throat. So, my fellow Kenmore residents, once this new city hall is completed and the staff moves in, let’s see if the permitting process improves, if the City of Kenmore starts to attract new businesses, if the City Council starts broadcasting it’s meetings via the Internet in order to improve public participation, or if we see an improvement in the quality of life here in our fair city.

Ultimately, holding the City Council and staff accountable is our job. Now that they get to reside in a nice new building, let’s see if they can make the rest of Kenmore look as nice.

Share

KENMORE’S BIG SECRET – WHAT’S THE FUTURE OF KENMORE VILLAGE?

What’s Up With Kenmore Village?

I recently had yet another conversation with a local business owner here in Kenmore who expressed frustration with the City Council’s lack of transparency regarding the Kenmore Village. “The City Council isn’t telling us what they intend to do with Kenmore Village,” this owner said. “It seems to be a BIG SECRET!”

To be fair, earlier this month I had a telephone conversation with Mayor Baker and he expressed his own concerns about the Kenmore Village. The development of this property has been complicated because the current economic climate has put a monkey wrench in the plans to have Urban Partners LLC build a new village. The Mayor is well-aware that it could take years for this development to happen and he admitted that coming up with feasible solutions to the empty buildings and vacant lot has been difficult.

As we approach the end of 2009, I think it is imperative that the residents of Kenmore start thinking about the future of Kenmore Village. Allowing such a large city-owned, commercially valuable space to become virtually vacant is, simply put, NOT a good thing.  It’s time that Kenmore residents start providing the City Council with some constructive ideas for the Kenmore Village.

Over the last several months I’ve received a number of good ideas (some of which I discussed with Mayor Baker). Below is a list of some interesting concepts. I’m positive that some of you have other concepts you’d like to present to the City Council. Please comment here or, better yet, pick up the phone and call the City Council members yourself. Here are a few ideas:

1) Create a satellite Campus space for Bastyr University which could include, classroom space, a retail store for alternative medicines, message therapy, even a vegetarian restaurant!

2) A family activity center.

3) A hotel catering to Kenmore Air clients

4) A business incubator specializing in small-footprint manufacturing or high tech businesses

5) A “creative workspace” for small businesses which accommodate short-term leases

I would love to hear some other ideas.

Share

A Cold Week Brings Our Organic Food Boxes to an End – SAD!

RECORD LOW TEMPERATURES END THE SEASON

Click here and link to Google Maps

We 21 Acre farm subscribers were informed this week that freezing temperatures finally got the best of the crops and the growing season is officially over. This was sad news as we have become accustomed to the weekly organic food boxes we’ve been receiving since this June. Shopping for produce at the grocery store is going to be a bummer.

VISITING THE FARM IN WOODINVILLE

The greenhouse at 21 Acres

This Thursday I was fortunate to visit the farm and speak with Erik Gibson-Snyder who is one of the key farmers at 21 Acres. We talked about some of the huge challenges that face small, organic farmers these days and what the future holds for “community supported agriculture.” Both Erik and I agree that we are fortunate to have some extremely productive farm land in King and Snohomish Counties. If local farms continue to market to the growing number of food-conscious families here in the area, the movement toward locally grown food will continue to expand.

A frostbitten strawberry field

Winter frost hammers the crops

I asked Eric how successful Growing Washington has done over the last couple of years. Basically, this year the farm broke-even financially. This was due, in large part, to the huge increase in the number of subscribes which went from 60 in 2008 to 220 this year! One of these days, Eric believes there will be 5000 subscribers which illustrates just how committed Growing Washington is to the production of good, local food.

Right now, Growing Washington is in search of new farmland and it looks as if there are some good prospects in the Issaquah area for next summer. So, stay tuned as I will be communicating with Growing Washington throughout the winter and spring to find out what next year is going to look like.

For those of you who don’t know what community supported agriculture (subscription farming) is, I encourage you to visit the Growing Washington website. Also, if you want to see what a season’s subscription buys, check out my blog post entitled: 18 Reasons to Get Involved in Community Supported Agriculture.

Share

Mr. Freeze, The Financial Curmudgeon Proclaims: “Black Friday is Satan’s Birthday”

Are You Human or Simply an ATM for Retailers?

Mr. Freeze, The Financial Curmudgeon HATES BLACK FRIDAY!!!!!!

I, Mr. Freeze the Financial Curmudgeon, woke up in an incredibly dark mood this morning:

IT’S BLACK FRIDAY………SATAN’S BIRTHDAY!

The day after Thanksgiving (one of the only sincere holidays left in American Culture) is swiftly forgotten and overshadowed by one of the most heinous and ridiculous “celebrations” in the U.S.: Black Friday. Weeks ahead of this day, the Media starts a sort of ceremonious drumbeating and cheer leading, counting down the time until ‘retailers will get an idea of how well they will do this holiday season.” And, like a bunch of robots, Americans begin gearing up for the feeding frenzy that begins the Christmas season.

You may be interested to know that the Wikipedia article about Black Friday talks about why this day wasn’t exactly all fun and games:

The earliest known reference to “Black Friday” (in this sense), found by Bonnie Taylor-Blake of the American Dialect Society, refers to Black Friday 1965 and makes the Philadelphia origin explicit:

JANUARY 1966 — “Black Friday” is the name which the Philadelphia Police Department has given to the Friday following Thanksgiving Day. It is not a term of endearment to them. “Black Friday” officially opens the Christmas shopping season in center city, and it usually brings massive traffic jams and over-crowded sidewalks as the downtown stores are mobbed from opening to closing.

Affluenza: America’s Dreaded Disease

How Much Junk Do We Want?

This year Mr. Freeze the Financial Curmudgeon suggests that along with your flu shot you ask your doctor for a shot of anti-affluenza vaccine as well. What is this dreaded disease?

Affluenza, a combination of the words affluence and influenza, is a term used by critics of capitalism and consumerism. Sources define this term as follows:

affluenza, n. a painful, contagious, socially transmitted condition of overload, debt, anxietywaste resulting from the dogged pursuit of more. and

affluenza, n. 1. The bloated, sluggish and unfulfilled feeling that results from efforts to keep up with the Joneses. 2. An epidemic of stress, overwork, waste and indebtedness caused by the pursuit of the American Dream. 3. An unsustainable addiction to economic growth.

(quoted from the Wikipedia article entitled Affluenza)

I, Mr. Freeze, see Black Friday as emblematic of exactly what’s brought this country to a state of permanent childishness. Americans have been programmed to believe that what’s good for retailers is good for them. After all, haven’t we been told that “shopping is patriotic” and didn’t the last President, in the midst of a huge terrorist crisis and impending war, encourage us to “go shopping?” The fact that he actually used those words at such an inappropriate time shows how crass our values have become.

Mangia, Mangia!!!!! You'll feel better.......

I, Mr. Freeze was always amused by the stereotype of the Italian mother who believes that  everything can be fixed with a good meal: “Eat, eat! You’ll feel better!” But, I am disgusted by the American stereotype that sounds more like, “Buy, buy! You’ll feel Better!” Anyone with a shred of common sense and maturity knows that buying an ever increasing mountain of JUNK will not fix any of our problems.

Mr. Freeze Has Some Advice

Lest I, Mr. Freeze the uber-grumpy financial Curmudgeon, seem to be a total party-pooping jerk, Mr. Freeze wants you to know that it is my most sincere wish that you all have a wonderful life. There is nothing wrong with desiring nice things and giving gifts to people you love. The problem lies in the fact that Americans simply don’t know the meaning of the word “ENOUGH!” Some observers of the American consumer have actually discovered that there is an “inverse” satisfaction curve” connected with overspending, especially during the holidays.

So I, Mr. Freeze the Financial Curmudgeon, would like to give you some friendly advice to live by when it comes to being a “bad consumer” in America:

• Don’t go shopping. Stay away from the malls ESPECIALLY TODAY

• Don’t use credit cards if you do shop

• Don’t use your debit card either, especially when grocery shopping

• Don’t frequent restaurants, learn how to cook

• Don’t even think about leaving the house without a shopping list

• Do tell your friends and family that this year, Christmas will be more “frugal”

• Do take a look at all the things you already have and consider if you really do need more “stuff”

• Finally, CHOOSE TO BE IN CONTROL OF YOUR LIFE INSTEAD OF AN ATM MACHINE FOR EVERY BUSINESS OUT THERE

We are an incredibly wealthy people for the most part, and yet we have become so dependent on consumer spending in recent years that our economic leaders are telling us it’s a problem if we don’t stimulate the economy through our spending. Well, Mr. Freeze is here to tell you that unless those same economists want to help you pay your bills, do the right thing for your family and yourself: Quit living someone else’s life and start taking control of your own. Quit spending on stuff you don’t really need. You’ll be happier, healthier and, yes, wealthier!

Mr. Freeze courtesy of ElDave.

Share