Black Friday Reality Check Day ? The Debt of Christmas

It?s Black Friday Reality Check Day

Here is a simple idea: ?Do you want to give you and yours a GREAT Christmas? Don?t go into debt giving gifts. Give what you can afford to pay cash for. ?If you can?t buy it with cash or a debit card, don?t buy it. ?If that means your family and friends think less of you (do you REALLY TRULY think that is going to happen?) then let them think less of you. Why is it ok for them to think less of you? Because there IS less of you! Less money than you are pretending to have. ?You DON?T have it so don?t pretend you do. ?You aren?t doing anyone any favors by giving gifts you can?t afford just because you are afraid they won?t be happy. ?In the long AND short run you will be happier and your family will see you being a great role model for responsible stewardship of your money and resources. ?THAT is a great Christmas gift.

Drawing and commentary by Marty Coleman of The Napkin Dad Daily

Quote by Anonymous

Source: http://feedproxy.google.com/~r/TheNapkinDadDaily/~3/uq1HhS9wx4Y/

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Chelsea 'stronger than ever,' Mayor Jason Lindauer says in his second state of the city address

During Chelsea Mayor Jason Lindauer?s recent State of the City address he told residents at Chelsea Retirement Center that the city is ?stronger than ever? financially.

Lindauer said the city was given its highest bond rating to date, an ?AA-,? which is up three levels from previous ratings, and Chelsea?s fund balance is at about 20 percent, ?far better than in previous years.?

In addition, Chelsea?s audit was assigned an ?unqualified? rating from Plante Moran, the highest possible rating.

?With the collaborative approach of the DDA, the Chelsea Area Chamber of Commerce and the Chelsea First Initiative, our city has welcomed 12 new businesses to town in just the past nine months,? he said.

?As one listens to these business owners, it becomes clear that part of the reason they chose to bring their talents here, to act on the next great idea, is that Chelsea provides the sophistication and infrastructure usually found in larger cities, with the collaboration of a smaller town and the charm of a Norman Rockwell backdrop.?

Calling Chelsea a ?growth-ready city,? he said three years ago Chelsea had a lack of water and sewer treatment capacity as well as an undersized ?major transformer for electricity.? Today, those issues have not only been dealt with ?head-on? but also they have been resolved.

He said there are plans for ?below ground? capital improvements such as storm water management repairs and upgrades on North Street and highlighted recent repairs in the Jackson Street Area.

The complete speech can be heard here.

Lisa Allmendinger is a regional reporter for AnnArbor.com. She can be reached at lisaallmendinger@annarbor.com. For more Chelsea stories, visit our Chelsea page.

Source: http://www.annarbor.com/news/chelsea/chelsea-stronger-than-ever-mayor-jason-lindauer-says-in-his-second-state-of-the-city-address/?cmpid=RSS_link_chelsea

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