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The Laundering of Christianity

About a week ago, in honor of the 4th of July, I began writing about the laundering that many Christians take part in. Where we are readily able to stand up, throw back our heads, and yell a very deserving God Bless America. As if we ourselves had worked for the America we now reside in. And with this creed, we continually miss the point, that we don’t deserve a thing.

I have thought about this a lot, on just how and where we go wrong. And I think, at its core, we seem to lose sight in the washing of our “sins” from the corporatocracy that owns our beloved country. As we sit silently by, and buy the goods that these mega corporations offer us. We seem to feel that because we are not doing the “direct” harm, that this leaves us unaccountable for our actions. Yet our ignorance is ever apparent to everyone else. The mega-corps do our dirty work,  but everyone still knows that we, the Americans, are the fuel that feeds the engine. And we are indeed accountable.

In America, it is routinely claimed that over 80% of our population identifies itself as Christian. And with this statistic in hand, the right rises up and shouts its venom like ideology. Wielding its version of the truth in one hand, and its mighty self ordained sword of justice in the other. But I would argue that we should focus not on the minority, but on the majority. And it is easy to see, if you really want to, that 100% of us worship at the alter of consumerism.  This ancient religion is nothing new, but is a splendid showcase to our pride and self belief. Yet history teaches and proves that this cannot and will not last.

Now, I rarely comment about church, because a lot of times I hear the same corporate voice at work in its message. But this 4th of July, something different awaited me. And so this is where I edited out a large portion of my post. To include a risk that Ken Wystma took, as he read a beautiful essay written by Micah Bournes. Here it is.

A wise man once said to me “the more I study history the harder it is to be a patriot.” America the beautiful, built on biblical principles and the backs of slaves. Manifesting our destiny from New England to the California coast, desecrating most native civilizations that got in our way. Now don’t get me wrong, I’m no afro centric conspiracy theorist with a slavery chip on my back, in fact, I’m proud to be an American, I love running water and Mickey D’s, religious freedom and democracy, but recently I’ve asked myself, what does it mean to be free? As natives of the U.S., liberty is engrained in our constitution and DNA, but if your freedom is married to your American rights, will you still be free when America dies? And America will die. No, I’m no prophet predicting the future, I’m a historian observing the past. From Egypt to Babylon, the Greeks to the Romans, in their moment, they felt invincible, little did they know, their temples would erode, their cities would burn and their coliseums would crumble with a roar as loud as that of the crowds which filled them before they fell to the ground.   The globe continued to roll. A new empire rose, then fell, passing the torch to the next generation of fools convinced they would eternally rule. So what makes us think we’re the exception? let me repeat my question. If your freedom is married to your America rights, will you still be free when America dies? What does it mean to be free? Bondage is a spiritual state, not physical chains; realistically most Americans are still enslaved. Mastered by their own desires, aspiring merely to aspire higher, driven by their insatiable appetite for material wealth and physical pleasure, wondering whether their labor will ever end. Slaves in need of liberation. In need of a freedom like Silas and Paul, fastened in stocks to a Roman prison wall, yet feeling so free they sang hymns to their liberator. For our freedom is greater than shackles. If  ever America is tackled by a foreign kingdom, and US citizens are enslaved or imprisoned, I will still have freedom. Freedom that is true, having nothing to do with a bill of rights or a politician, The Declaration of 1776 did not ensure my independence, nor did Lincoln’s proclamation bring my people emancipation, true liberation comes only by salvation. Salvation comes only by faith in Christ. Until you believe that the son of God died and resurrected so you could be free from your sin, you will never know liberation. And If you believe that the son of God died and resurrected so you could be free from your sin, no prison cell or ball and chain can ever take your freedom away. For he who is called in the Lord [while] a slave is the Lord’s freedman. Stand fast therefore in the liberty by which Christ has made us free, and do not be entangled again with a yoke of bondage. For if the Son makes you free you shall be free indeed. So tonight as we cheer for our moment in time, watching millions of dollars explode in the sky, I pray you consider this question of mine; will you still be free when America Dies?

It gave me hope, that something that I have been pondering and struggling with for twelve months, is also something that others have been wrestling. And this essay now lays the foundation, and points towards action. And so I ask myself

“How can I short circuit the engine that I so despise?”

One last thing that I would beg, is that you please don’t think me unpatriotic. For I do love what the true American Ideology is founded on. Life, liberty, and the pursuit of happiness. And I feel America has the potential to be filled with that again. But currently, with everything I see and feel, with the selfishness and inequity so rampant across our world, and with the part that America and her Christians play in it, I can easily say that I am sad to be an American.

Getting old, is getting old

On the 8th I turned the big two-nine! And my wife organized quite a good BBQ and party for me. My parents even drove the distance to celebrate with us. It was a rip roaring good time.

There was though, one odd occurrence that happened over the course of my parents visit. It was something my Dad said. And at first, I didn’t really pay any attention. It wasn’t until a friend asked me.

“Do you feel any older?”

That I found that I could finally articulate my thoughts, and I was able to share about my Dad with my friend.

I said that as we (mom,dad,jaimi,i) were sitting around playing a board game,  Dad said;

“I’m having a hard time using my thumbs now days, because of arthritis”

And I sat shocked, because I have never heard my Dad complain or comment about this topic. EVER! After everyone went to bed, I ended up just lying there next to Jaimi, thinking about my Dad’s thumbs.

There are a lot of great memories in those thumbs. Magical moments that couldn’t have been created without them. How my Dad used his thumbs on the handle of a lathing tool as he did some wood working, pressing down on the neck of his classical guitar, or on the back of his clarinet as he plays, or lifting Jaye high over his head and dropping him on our childhood bed to a room full of laughter, smiles, and squealing. And with their loss on the horizon, I felt old as well as responsible for my family. And I thought

“Age is the metronome to a song that shall never be repeated”

I guess this year, the gift of responsibility was what I really received. And though some would curse it, or run from it, I don’t mind. Not one bit.

-peace

Agapage : A web startup

Agapage LogoWow!

As I write this, it is close to midnight, and this has been a common work hour for these last four months. I can’t believe that Agapage is finally here, that it is finally launching. A lot of work went into this endeavour and it seems surreal to sit here and watch as something you poured your heart into, has been brought to life.

There are a lot of people who made it happen, a lot of people who cared and suggested. Who steered and paved the way for Agapage’s completion. I am amazed and humbled that all these people believed in me.

If you are wondering what Agapage is, let me share.

* * *

Concept:

So I was sitting in Church back in February, when the Children’s minister came up on stage. She mentioned that the Church’s current 60 pager paging system (retailing for $3k) was no longer adequate. The church had grown and needed about 100 more pagers to meet its need. Unfortunately, the pagers cost about $90 a piece (totaling $9k).

Pagers are used to notify parents when their child is having an issue. It also helps the flow of the whole church service by finding parents easily.

For the rest of the service, my brain was in a trance. It started working on a solution, and that night I began coding the beginnings of it. I went to sleep wanting to think of a good name, and like clockwork, I awoke with the “a good name”. By the end of that week I had a semi-functional program (though it looked like crap), and thus Agapage* was born.

*Agapage is a combination of two words. Agape is the Greek word for unconditional love and page just means “to notify or make known”

So what does Agapage do?

Well, it allows the church or organization to have their own personal website.  And at their site, the organization members will register for an account (Same sign up process as in most online services). Once their account is created, the user will add all their parent or guardian information (Image, First Name, Last Name , Cell Phone Number), and they will add all their children’s information (Image, First Name, Last Name). Once all the information is filled out, the user will only have to go back into the system for routine maintenance.

Here is where it gets interesting. The staff at the church can log in, and if their credentials are correct, can now SEARCH for a child, pull up their record, and click the PAGE button. It will send a txt message to ALL the Guardian’s cell phones attached to the child. As the parent, you could also attach grandma, grandpa, auntie or uncle, and it would PAGE everyone.

Benefits:

  1. No hardware loss, theft, or maintenance. Basically the Organization doesn’t have to buy batteries or charge them, or order pager replacements.
  2. Piggy backs onto existing infrastructure. Most churches have laptops and wireless, and according to SNL Kagan, a leading mobile research firm. the U.S.A will reach 100% market saturation by 2013. That is one cell phone for every man, woman, and child. This affirms the thought that most families will have at least, 1 cell phone.
  3. Scalability
  4. No risk to the organization
  5. Not limited by distance
  6. Custom txt messages can be sent so that the Guardian gets some idea of what exactly is going on
  7. Pictures can be uploaded by the members so when staff or volunteers use Agapage to search, they can actually see who they will be paging

Standard System:

Startup = $3000
Annual maintenance = ($200 +/- N%) batteries and replacement units
Growth = ($90 +/- N%) per additional unit as well as annual maintenance going up rapidly

Total = Anitoch’s projected cost in just under 4 years of existence > $10k

Scalability:

I was reading about a large church in the Detroit area, they grew from 1997-2005. At it’s height, the church attendance was over 4000 people. I speculate their paging system (600-800 pagers) would easily have cost them $50k over that 7 year period. Now the church is in decline because there is a mass exodus from the area as people leave in search of jobs. The church’s numbers are way way way down. With Agapage, instead of having the church’s money tied up in a large piece of infrastructure, they could just scale back their usage and pay less.

And it works in the other direction, seamlessly scaling as your Organization grows.

Basic Goals:

  1. My church needs it, so I know it will get used if only by one organization
  2. Resume / Portfolio weight
  3. Low startup cost and NO debt (If I wasn’t a programmer this would not be the case)
  4. Potential to show a proof of concept along with case study and prove/see if there actually is a NEED in the world

* * *

So that is Agapage, and I hope anyone or organization that needs it, will see it’s value. The best thing is that I am saving people a lot of money in a recessionary environment, while also offering a superior product. I feel really good about that.

-jared

http://www.agapage.com

How to calculate the true cost of Real Estate

I have several articles that you probably should read concerning real estate, here and here.

Now for a long while (over 6 years) I have been bearish on RE. For those who may not understand the term bearish, it pretty much means that I think that purchasing a property has NOT been a good move. But things are changing.

Take these homes for example.

Some things I know after researching the homes using DIAL and the CLERKS records are.

  • They are both short sales
  • They are right next to each other
  • They were built for $106k in 1996.
  • Annual tax is around $2k

Now how can we distinguish if this is a good deal? Well lets lay some ground work.

I currently rent a crappier home than either of these for $775 a month. So if my net monthly cost is less than $775 a month, this tells me that I should consider “buying” a home. So I go to bankrate.com and open up their mortgage calculator.

The homes are asking $89k, and I would put down roughly $20k in cash. Making the loan amount $69k. And with a 15 year fixed and good credit, you should be able to pull close to 4.5% on the interest. You can see that the monthly payment is then $527.85. This may lead you to think “Jared, you would be saving $250 dollars a month, what is stopping you?” and that is a reasonable question.

If you look up the properties in DIAL, you will see that the annual taxes due on the homes is roughly $2k. Dividing that by 12 gives you your monthly tax rate at $166 a month.

$527.85 + $166 = $693.85

Monthly Mortgage Payment + Monthly Tax Rate = $693.85

Which doesn’t look quite as attractive, but is still interesting. Finally you should calculate maintenance costs. Which most people say the bare minimum is 1% of the purchase price. Realistically, I think we probably should go with 2-3% of the purchase price for these older homes, but for the sake of this post, we will just use 1%. 1% of $89k is…$890 which we will divide by 12 to get our monthly maintenance cost. $74.16.

$527.85 + $166 + $71.16 = 765.01

Monthly Mortgage Payment + Monthly Tax Rate + Monthly Maintenance Cost = $765.01

Yes, this looks really attractive, but I also want to add the transaction cost (The amount you pay in fees to the RE agent, Mortgage broker). I will have to guess a little bit here, if a real estate agent can shed some light I would appreciate it. So lets say that the total fees paid, is roughly 7% of the purchase price.

$89k x .07 = $6230

Now divide $6230 by how many months you will have the mortgage loan for. In our case, it is 180 months.

$6230 / 180 months = $34.61

Keep in mind that if you roll any of the fees into the loan, then you will pay interest on them.

$527.85 + $166 + $71.16 + $34.61 = $799.62

Monthly Mortgage Payment + Monthly Tax Rate + Monthly Maintenance Cost + Monthly Transaction Cost = $799.62

This is the basic math I use to figure out if I really am getting a deal or not. The interesting thing here, is that an investor could potentially buy this place. I mean they could maybe rent it for $850. So they would make ($577.85 x 12) $6934.12 annually on a $89k purchase. Roughly 7% +/-. Not a terrible investment using this math.

I did call about these homes, supposedly they have several offers. Thing is, with over 400 Notice of Defaults in January, we all know that there is plenty of inventory. Meaning that there is absolutely no freakin rush to “buy” a home.

Anyway, just some thoughts for people to consider before they purchase and please comment if I missed something.

Copyright © Jared Folkins
Programming, Computers, Writing, Economics, and Life

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