Herb Kay's S.O.S. System
  July 2, 2010
  "I'm Herb Kay and the most important thing to know about me is that I'm not going to lie to you or pull your chain. Ever. In my S.O.S. Guides, I give you, well, guidance, in a straight-talking and step-by-step way. The website offers the "advice side" of my system. Here, in my blog, I'm going to dig a little deeper and get a little grittier. That's the opinion side of my system. Will I say something that might shock you? Maybe. Will I ruffle some feathers? Perhaps. Will you close the page with some food for thought? Absolutely."

The Herb Kay Way is the straight forward, never-mince-words way. Check out Herb's latest blog on your money, your career, your debt, the economy and the world we live in.
 
When Downsizing is a Powerful Tool
Can We Address the Important Issues?
Just a Sentence or Two.....
A Dose of Reality
Getting Involved and Taking a Stand
Study Up on Your Loans
Drop Back Ten and Punt!
Who Can you Depend On?
Some Sobering News About the Economy
Grab a Beer and Take the Slide Home......
Another Loophole, Another Lesson
What is Your Core Conversation?
Loyalty and Leadership
The Argument for Being a Grownup
The 'Business' of Complaints
Electricity in the Air......
Taking a Hard Look at the Figures
A Public Life
My "Advice" to You
Perspective vs. History
Worried Sick!
It's About the Kids!
Gooooooooaaaallll?
Where Will the Money Come From?
Immigration Arguments: Debunked!
Blame Policy, Not Banks
Happy Birthday America!
Crony Capitalism
G8/20 and What That Means For You!
Our Economy and the Free Market
Building a Bubble?
"Fixing" Our Problems
The $20 Billion SNAFU
A Screaming Deal!
Action Breeds Success!
It's Going to Take Some Effort!
Getting Our Lives Back
For Better or Worse......... I Prefer Better
The Pressure to be President.......
This Great Nation......
Financial Reform - Ha...what a joke!
Municipal Bonds are a thing of the Past!
Feeling Good!
Moving Forward
The Signs Are All Around Us
It's a Grim Diagnosis
Oh, the Pressure.....
The Big Fat Greek Fallout
It's Getting Ugly......
Perfection is a Myth
Be Different
Moving on While Moving Ahead
An Immigration Abomination
I've Got a Question.......
Logic vs. The Logistics of Inflation
The Free Market - Greed at its Very Best
Informed on Inflation
Don't Fix What Isn't Broken
Harnessing Energy - The Herb Kay Way
Staying Ahead of the Curve
What Trade Deficit?
Greek to Me
There's a Bridge in Brooklyn......
Problems That Don't Exist
Don't Invest in Mediocrity
The Fed's Mutually Exclusive Roles
Deadly Serious
Election Year Scapegoats
"Willfully Insane"
Balancing your Beliefs - How Our Political Convictions Influence the Debate Over the Economy
Let's Reward the Renters
Don't Plug the Hole.......Replace the Bucket!
Europe's Safety Net
The Collapse of the System
Apple Makes a Lemon
Pot, Capitalism & The Free Market
Who is Your Banker?
Real Estate? Now is NOT the Time!
Grading on a Curve
When the Inflation Stars Align
When Foolishness Goes International....
The Recovery?
The Competitive Advantage of Reaganomics
What Wednesday Brings.....
Stopping The Addiction
Signing On The Dotted Line
Be Optimistic - Not Foolish
The Real Story
Selling Your House (and your credit) Short!
The Entitlement State
It's Anyone's Guess
Ask, And You Just Might Receive
Crazy Like A Fox!
It's Only Tuesday!
Spending Some Time - Cutting Spending
There's No Such Thing As Easy Money!
What Exactly is Responsible Borrowing?
Just Bite The Bullet
With Change Comes Turmoil
Q & A......The Herb Kay Way!
Wanna Bet? Gamble on Inflation!
A Lesson on Education
Two Different Beasts: Why Price Does Not Equal Wealth
For this Party - Three's a Crowd
Good Luck With All of That!
Dear Mr. Bank President:
It's Not That Simple
Raising the Stakes
State of The Union: The Herb Kay Way!
Capital Gains - Your Pains!
Cooking the Books
What's in a Name?
Questionable Choices: Healthcare Reform
And the Person of the Year Is......
A History Lesson
Goverment's Stimulus Fairytale
Let's Hope I'm Wrong
Fake Money = Real Problems
Collectors Lie
35 Million Americans Can't Be Wrong
Simple Truths, Simple Lies
Lending and The Federal Reserve: Why Making Banks Rich Again Will be Bad for the Economy
Are You Health Care Aware?
Have Good Credit? With New Legislation in the Works, the Question is, Who Cares?
Healthcare and the President
Tips for Choosing a Bank and the Right Bank Account
 
Happy Birthday America!
 

It's America's birthday once again, and it is for me a poignant time.  I love our country.  Whenever I travel abroad, near or far, I am always happy to come home to this, the greatest country not only on earth but ever in history.  We need to remind ourselves of this fact.  We are the greatest country in history, period.

Oh, there have been, many, many so-called "Great" empires led by leaders who have fixed grandiose titles on themselves.  Caesar's Rome, Napoleon's France, Elizabeth's England, Genghis Khan's Mongolia/China, Peter and Catherine's Russia, heck I could go on and on back to David's Israel and beyond, but all of those cultures and countries have long lost their greatness which if you look at it carefully is no big loss as they were never that great to begin with.  I mean, what was meant by historians when the affixed the term "Great" to a leader or country?  Almost always it was a sobriquet of conquest and domination, not freedom and imagination.  No, only one great country in history has been great because of the celebration of its people's freedoms, its determination to spread that freedom to all peoples of the world, and the unrelenting creativity and dynamic force of a free people unleashed to enjoy the fruits of their free labor and that country is the United States of America.  God, I love this country!

But on this particular birthday I am concerned that we have, as a people, taken our freedom for granted as something that is essentially unbreakable and ever present as opposed to what it is, fragile and in need of constant nurturing.  We have been for decade, slowly but steadily surrendering our freedoms to the government in the name of security and protection, and worst of all, fairness and equality.  We elect leaders who promise to provide those two things, they develop well-meaning programs to provide the benefit they promised when they ran, but in the end, the result is always the same: thousands of new regulations now totaling in the millions and each on chipping away at our freedom.  There are rules for everything and the sheer weight of these rules, all developed with good intention I concede, is what is burying us and will be our undoing if we don't reverse course.

On this American birthday I think it would be wonderful if we remember a simple truth: Security does not exist in nature and is an illusion.  In other words, all of this protection and equality that we have been trying to legislate and build is all for nothing.  We have only succeeded in burying ourselves under mountains of red tape, adding to it each day, and if we are not very careful one day we could all wake up and find our nation and its goals gone.  If you think this is too drastic to consider, you have not read history.  Another word for all of this pursuit of equality is decadence.  We have become decadent taking our past success for granted, forgetting that it is freedom with all of its pleasures and yes, pain, that has brought us this far and we surrender it at our peril.   America could vanish like a puff of smoke in the wind if we don't wise up and fast.  We are witnessing nothing less than the beginning of the end at this very moment.  I for one would be sick if we allowed it to happen.

So let's make this birthday a celebration of the best thing America stands for, Freedom!  The freedom to live our lives as we see fit, to enjoy the successes we earn for ourselves, to accept that with freedom and success comes failure and pain but it is impossible to separate success from failure.  We must accept and in fact revel in the fact that if you try and take away failure you inevitably erase success along with it.  If you try to eliminate pain, you take pleasure away with it.  If you try to make everyone equal, you instead make everyone into a kind of gray nothing without creativity or expression.

Happy Birthday America!  Let's start being the rugged individualistic and free country that we once were and are increasingly no longer are.  From crisis can come great things.  Thomas Jefferson said that it is healthy for a country to have a revolution every so often.  We haven't had one for a long, long time.  The time has come for us to revolt once again against the oppressive and stifling enemies of freedom who claim to make us safer but are instead destroying the very thing that makes us great. Get involved and help put us back on course.  We can do it because we are Americans!