word!

By now you should know I like delving into interesting financial concepts, especially those online. Having a community based lending option has been intriguing as Prosper has shown.

Well Zopa has finally come into it’s own in the U.S. An import of the U.K. that has now also expanded into Italy and Japan. They were almost 2 years late in the coming to America. Oh, well, at least they made it and could give Prosper a run for it’s (lending) money.

Zopa is a somewhat different beast, but interesting none the least. It also lends out $ but these loans are based at local credit unions. They are associated with Affinity Plus, a credit union from the Cities that I had been acquainted with from my schooling at MSU, Mankato. But the loans are cool. If you get someone else to invest in a CD with Zopa, they can actually help you out. For every CD you purchase through Zopa (CDs are FDIC insured through the credit unions) you help someone out by reducing the rate they pay for their loan thru Zopa. Yes, you can even get your rate down to 0% (i.e. no loan payment) if you get enough help from other Zopa members. That is very cool.

Every CD you purchase is much like a CD at a local bank/credit union. Their current rates continually beat the pants off of local CD rates. These CDs are currently only for 1 yr terms, pretty common for most CD holders out there. With the purchase of a CD you get to apply what ever percent of your return on your money you want to your friend/family member through the site. Say the site offers 3.75% on your money, if you were real generous you could knock down your rate to say 3%, thus giving 0.75% as help to the person of your choosing or even stay at 3.75% and still help someone out a bit more minimally. You get a great rate on a CD and your money goes to help an actual person with their loan rate. Pretty cool.

So ready to help a man out. Check out the link to the left if you are so far interested. Otherwise, contact me and I’ll answer any questions you may have. Wouldn’t it be nice of you to help me pay less on the loan I’m taking out to help with wedding finances? I intend to pay this loan back shortly after festivities, it’s more of a cushion for me.

Thanks!

Browse back a few posts and you’ll see a breath-taking image of our fine township roads this spring. It’s taken the last few months to get over that seemingly endless ‘rut’ of a spring.

But wait, there’s more to this saga.

Seeing as leaving a frost-heaved road to it’s own devices is not sound township governing policy, the local intelligencia has come up with a few marvelous solutions.

Alfsborg Township to the immediate west of us has tried a few different tacts. First wise idea was to put rather large (think knuckle sized) rocks down, to ‘fill in’ the frost heaves and then put new gravel over that. While this has seemed to work, it scares the hell out of you when you’re driving and it sounds as though one of those rocks is coming up through the floorboards at you after you kick up one of these rocks. A tad disheartening. Not sure what to make out of it if one of those rocks were to fly/hit anything with so much as a pulse.

Alfsborg has also been ripping up the middle of some real troublesome spots that were pretty much pure dirt/mud and replacing that with pure gravel. Interesting take, haven’t had a problem with these yet, although a good dousing of rain could hamper things (maybe not this year though).

But the blockbuster, cake winner, hands down idiot award goes to the local township buffoons in good ol’ Sibley Township. Seems that in a effort not to be outdone by the upstarts to the west, Sibley Township came up with it’s own harebrained scheme to rid the township of previously mentioned frost-heaved roads. It started out peculiarly one morning with a fellow, presumed to be in the employ of the township, seen discing up the roadside slope of 481st Avenue. While this seemed like a ill advised attempt to dissuade neighbors from haying their ditch easements, it got wilder. A two mile stretch of this roadway was eventually worked up and left fallow.

In discussions with local governing officials, it seems the plan was to work up the ditches unto the road because they contained so much gravel and redo the road from these slopes.

WHAT THE HELL?

How the hell is putting black dirt on a gravel based, gravel covered road supposed to help? This is the rationale though, because someone somewhere heard that this may have happened somewhere else and worked? Whatever.

So today, these bozos went through with their little plan to screwup the road even worse. As I was coming home my normal route, I notice a completely black dirt covered road with two graders grading gravel on top of this. This effectively shut down this road, with no warning or heads up from the township other than to relay their plan when asked about it.

But they didn’t do all of the road, no. They still have roughly 1.5 mile stretch to go, once again on the main route I take to almost everything in Gaylord on a daily basis. I cannot imagine how this fiasco will end up. No doubt it will rain and create a soup hole the likes no one alive could imagine a township government would pay for. I can only imagine they hoarded all this money away from the last few comparatively mild to blow on the craziest frost-heave suppression scheme ever proffered.

Good riddance!

I’m disappointed in Geni.com. They have all the makings of a neat, Web 2.0 company that just happens to focus on genealogy.

But I can’t get behind it. I realize it’s in beta, but there is one small thing that irks me and I’m sure it’s a deal breaker. As I have played around extensively with genealogy software like Legacy here and PHPGedView here, I’ve tried and test drove most genealogy software out there.

The one and only thing that has me not investing more time/effort into Geni is the fact that when you add women it does nothing about maiden names. It assumes whomever you add them off is their name. I for one recognize women by their maiden names and don’t appreciate typing/ retyping in every maiden name because of a software shortfall.

Geni is promising. But I’m waiting for them to work out all their beta features. Maybe then I dip my toes back in.

Surprise, surprise.

With a giant eye on the future of technology, the government has decided it no longer needs analog TV signals transmitting a loved and long cherished obsession. So out with the old and in with the new - digital TV.

Oh, but wait, the populous will need to either a) buy new TVs with a digital tuner or b) get a setup converter to dumb down digital broadcasts. This in itself has led to a great reason for most people to ditch the old clunker TV that in many cases would still work fine for years to come. This is regardless if they actually would need a digital TV for general viewing, do to the fact that cable and satellite TV are already digital pictures.

That leaves the rest of us, namely the poor and/or rural left with the other option - convert the digital to analog. The government in it’s wisdom decides that since these boxes will sell for 40+ that it will offer a discount on these boxes, which for almost obvious reasons will never cost just $40. Rather than provide the masses these setup converters free via a local federal institution (i.e. Post Office), they sell them at any electronics shop.

Wal-mart, the king of cheap, promptly has a run on these as they are about the only company willing to sell them near cost. This pushes the rest of the suckers out to the high priced outfits that sell these units for greatly inflated prices.

While a fairly easy device to set up, the devil is in the details. Now instead of one remote for a TV, you must either juggle two or figure out a quasi universal remote to function as your goto TV manipulator. Yuck. I don’t really wanna power on/off two things just to watch my old TV. No doubt this in itself is another great ploy for you to go out and upgrade TVs as well.

While is awesome to have a weather station affiliated with KARE TV and a FOX affiliate out of Mankato, it’s just another bunch of fairly useless TV options to flip through.

I can’t imagine what the uproar will be when all those poor, unenlightened and/or old people find next that things don’t work like they had. After all, that’s who will be the most effected by this turnover. The government will be to blame for selling out this demographic in return for the millions they can make by auctioning off the old TV spectrum we loved. They will also be giving the electronics industry a second boost by people scrapping out their old TVs for something that just plain works without all the trouble and pain this transition.

What a joke!

Wow is that a plowed field or a gravel township road?

Kinda hard to imagine having to drive through such a ‘plowed field’ just to get to town. Ah, only in Sibley Township,Sibley County Minnesota could we pay for such a convenience.

I like the township supervisor’s advice. That we should drive to the west, a few miles totally out of our way until they take down the road closed signs. Not to mention to the west is another township.

Good work boys. Maybe you can plow the furrow down the middle of our road before the next big downpour like you always do…