I’m reading this book and it pisses me off. I can do a chapter or so and then I have to take a break. Because I am a direct victim of the 2008 financial crises, and this book explains why not one bank executive was brought to task for their egregious errors!


From about 2003 up until November of 2008 I was managing this fun little Gallery on Main Street in downtown Grand Junction. We were just getting our feet under us. Lots of foot traffic and good sales and promotions. We were gearing up for a good Christmas season.



We also carried some photo related retail products.



So the mortgage crisis hits summer and fall of 2008. The owner of the gallery was independently wealthy and had numerous accountants and lawyers at his disposal. As soon as the financial markets started to fall, his advisors recommended for him to divest and hunker down.

He walks into the gallery one morning about 2 weeks before Thanksgiving and asks to go out with him for coffee. Over the small table in the bagel shop he informs me of his decision to close the gallery. Just like that. No big preamble and I could not talk him out of this decision. He was stricken and visibly scared.


I had a staff of about 6 people who I had to inform of this decision. And then I needed to start figuring out what steps to take to close this business in a hurry.

And I was out of work also, with no other marketable skills, other than running businesses for 30 years. But no other businesses were hiring because they were scared also. My wife and I were very concerned about losing the house. Jeez what a time.


But there was one company hiring. And so I started in the fall of 2008 as a hired hand in the oil and gas industry, where I am to this day. It has worked out just fine. Of course it is not where I expected to be. Of course it is sometimes difficult to work for a giant corporation. But we kept the house. And life goes on…Goliath and the Princess.


10 Assorted thoughts and rants…or “Hey you kids, get off my damn lawn!”


1) We should pay all our public servants, like Senators and Congressman, the same as the medium income in their districts.If they want to earn more, then raise the pay and earning potential in your own backyard. You are supposed to represent us, so get paid like us. Buy your insurance like us, no more getting it free from the government. I am getting more and more disgusted with our politicians and their inability to make common sense decisions. We send you there to work, not argue. Shut the fuck up already.

2) The NSA is spying rampantly not only on its own citizens, but on our overseas allies as well. Facebook and Google use your own personal information to sell advertising. Adobe lost the information to millions of their customers. Hackers break into corporations and government databases seemingly at will. The companies do not really care about safeguarding your information. It’s just a means to an end. All they really want your info for is advertising. Safeguarding it is secondary.

3) Fracking is not an individual thing. It’s a process. Being against fracking is like being against cooking. What people are against are the  products being sent downhole to assist in the process of extracting oil and gas. So it’s slightly illogical to pass laws limiting all fracking. If your community, I’m looking at you eastern slope of Colorado, wants to control fracking, then pass the laws to limit the chemicals going downhole. Let the companies frac using water and sand. If you enjoy a heated home and gasoline in your car, then you can’t vote to get rid of a process integral to oil and gas. I don’t like Brussel Sprouts, but we still cook.

4) Another thought like #1. Ben and Jerrys ice cream owners had a rule where the highest paid executive could only earn X times of what the lowest paid person made at their company. I like this. So say an elected official could only make X percent more than minimum wage. Or an executive at a greedy bank could only make X percent more than their janatorial staff. If they want more money, than give raises all around. Or learn to live on less, like the rest of us.

5) Why does it seem so impossible for the city to get the manhole covers flush with the surface of the street? Either they are 2 inches above or below the street. Whats up with that?

6) When I bought an item to resell in the store, I paid a price, added whatever markup to it, and put it out for sale. Why don’t gas stations do that? Why does the price for a gallon of gas fluctuate so often? How many price changes does the gas go thru on just the one delivery of fuel into their underground tanks? I’m sure they just pay a set price for the delivery of that fuel. But their retail price on that same delivery changes 10s, maybe 100s of times, throughout the one time delivery.

7) Got 5 inches of snow here in the Grand Valley overnight. They closed the schools for the day, among other things. Growing up in Gunnison, I dont remember ever having ‘snow days’. You went. Period.

8) I am so tired of the ‘win at any cost’ mentality of pro athletes. Doping, juicing, HGH, cheating, scamming, It’s too much. From coaches and athletes all the way up to ownership. I’m sick of it. I can barely watch any pro sport anymore because I am constantly asking myself about the intentions and outcomes. Pisses me off. Pro Basketball especially is painful to watch. It’s all about fouling. There is no flow to the game.

9) Another school shooting. The Denver TV station we get (Fox) was talking about rumors of the shooting days before it actually happened. Id like to hear about that now. If there were rumors about this school in particular, let’s get the principle and police together to explain why they weren’t there for the kids.  Also we should be asking where did the kid get the gun? Why wasn’t it locked up and the ammo locked up separately? Its time we held parents responsible too.

10) Last one…Its Merry Christmas. Or Happy Hanukkah. Or Happy Kwanzaa. It is not Happy Holidays. We are a nation based and founded by religion. We happily welcome others to participate in their own beliefs. And we happily welcome you to have no belief at all. So to put out a generic bland greeting is chicken shit. Be proud of your religion, or lack of one. Whatever. Just stand up, have a backbone, and say Merry Christmas. People understand. Even if it’s not their own religion. This time it really is The Thought That Counts. Merry Christmas everyone!