The following is a draft I found when doing the last posting. I was going to scrap it but after reading it again I have decided to finish it out. I did say in the last post that I hadn't sold the Miata. In this post I am talking about how I need to take the pictures to put it on the net and somewhat about the proper way in taking pictures. Read on.
Not that anyone really reads this but it is a way to transfer my thoughts. The last posting was a fluke. I have not sold or even really tried to sell the car it yet. I like the car but I don't drive it that much. Being an '02 model and having less than 19,000 miles on it shows how much it is driven. Washed and waxed or the use of McGuires Quick Detailer more than needed shows that I respect the car. What I need is some motivation and probably some of my son-in-laws help. I don't feel comfortable with the picture taking thing but he has taken some pics of cars, his '66 Bonneville, and art work in his house that I appreciate. I guess I need to at least make the attempt. Maybe between today and next Monday I can get the car washed again and then take the pictures. It is suppose to be cloudy on Monday and the best time to take car pictures is actually on a cloudy day. I didn't realize that until I went on the web and checked out how to take car pictures from some experts giving free advice. I took pictures of my buddies Vette, pictures seen in this blog, and now I know why I had such a hard time getting the color right and dodging the bright shiny reflective chrome spots that look like someone is shining a light back at you. Also, one of the selling points to my car, in my humble opinion, is the interior. It is not the normal Miata color, black or light tan, being the SE model, it has a saddle brown color. I have a semi sloped driveway that I can put a ladder on the sidewalk part and park the car just up on the slope and then get up on the 7' step ladder and take overhead inside shots. If the sun is out bright no amount of flash will help to get rid of the shadows. On a gray day a flash will be helpful to pull out the shadows and not be too reflective.
Okay, that was the posting on 6/5/09 that set in my drafts for some reason. Since then on Fathers Day, Greg and Steph came here and I got a lesson about my camera and how to shoot some pictures. Where I was trying to compensate for the lighting etc, all I needed to do was to let the camera do the work and then even the simple program that comes with the computer and or the camera will let you make the necessary minor adjustments. I really learned about the black and white drivers in the tones and level controls. I found that if you take the picture as large as you can and only play with the black and white controls you will have a very good picture as long as you are in focus and the camera can do that too. Now the trick is to play with it more and master it better. We have a pond next to our house and I have been using the wild life as my challenge. They move and they vary in color. Ducks, male and female, geese (hate those) Blue Herrons, all types of Finches and an occasional from or toad will make itself noticed. Lighting around the pond changes and of course the wild life moves when it wants to. No "smile - say cheese" here. Hopefully, now that I have found this old posting I will take the pictures of the car and post them here. Might not find them in the for sale sites yet. I'm going to a car show tomorrow on the 4th and then a British car show on 8/1 where there is about 300 cars and then a race in August so I will have the pits and track action to work with. Wish me luck.
Friday, June 5, 2009
Friday, April 17, 2009
On sale
Well, it won't be long, I have started looking at ways to post my "Zoom~Zoom for sale on the market. I need to also take some real good shots. I am going to put one here but that is just for reference. 2002 with low miles (18,600) and imaculately taken care of. One modification, cloth top due to someone trying to get into the car. Alarm went of and they ran. I opted for the cloth because I think it looks better.
Monday, March 16, 2009
Why the last post is important
Well, I vented about how I feel I have been treated by my former employer, Delphi/Delco/GM. It's kind of ironic that GM didn't need anymore money due to some obligations that mysteriously went away after a bankruptcy judge in New York sided with Delphi on the issue of Salaried Retires health care obligations. By the way, now Delphi wants to sue the retirees for $20 million because the retirees are trying to appeal the decision of the courts. Isn't this what the courts are for, you file something against me and if I don't like the judgement then I file back to fore stall the outcome or maybe to get it reversed.
If companies like Lehman Brothers and other credit institutions had not falsified information thus helping the greedy banks make more money on the investors money and we had not had this collapse, car sales might still be up enough that Delphi would still have enough business to not be able to show justice in what they are asking for. Maybe they should sue the banks. There is a blog that I think everyone should read. http://moneyplusthoughts.blogspot.com/ Read his background and look at his artwork but mainly, read his postings. Especially the ones on his views of the credit mess. If you have followed this market or lack there of, you will understand where he is coming from and how we got where we are today.
In Automobile Magazine there is an article by Ezra Dyer called Dyer Consequences and subtitled "I AM THE CZAR: A TEN POINT PLAN TO FIX ALL THAT AILS THE INDUSTRY". Point number 3 is as follows: "We should allow giant investment banks to increase their leverage to thirty times their capital, and ratings agencies will get paid by the companies they're rating, conflict of interest that provides incentive to drastically underestimate the risk associated with mortgage-backed securities, thus contributing to a speculative bubble that unrealistically inflates personal wealth. Voila`! Everyone buys cars....What? We already tried that?" Here's a writer in a car magazine that gets the big picture. Why can't congress get it right. Give big bucks to the banks and insurance companies and yell at the auto industry.
I have a couple of pre-existing conditions that the insurance companies just laugh at and say sorry for your luck. Delphi has been kind enough, LOL, to offer to let me 'pay as I go' for my health care and the wife's. When all is said and done it will come to about $1493 a month. If this isn't bad enough they gave us less than 30 days to look around and make decisions. For me it was cut and dry. For others that have no issues that they know of, until the insurance company looks into their backgrounds, they need time to digest what is available. Once you make the decision you cannot express mail or certify your mail to them. They stated they couldn't guarantee the receipt. After 3/27/09 anything received is voided. You could fax it and then call 24 hrs. later to confirm that they received it. Only problem is they posted the wrong number so some didn't go through until there was a correction sent out.
Still more confusion, I got a health card today, only one. I called and the insurance company said that I was the only one listed. I called back to the National Benefit Center and they told me that they had my fax and that it had not been reviewed so they had no idea as to what the card was for. I called the insurance again and they said it was for me and that the wife was good until only 4/1/09. After explaining to them that this could not be related to my 'pay as you go' decision I got "well this was started in January". That tell me that Delphi knew what they were going to do before I got my 'Dear John' letter in February.
I got my last ditch effort in this past week to get all I could out of Delphi's money for my health care. Wasn't by choice. I had my pace maker replaced because the batteries ran out. All day affair but all is better now. Two days ago I thought I would get some more for the money. I had an issue with chest pain, super headache, light headed and nausea. Went into emergency, x-ray's, two CT scans one of the head (didn't find anything there) and then of the chest since I have an aneurysm in the upper loop and they were thinking the possibility of it dissecting. Found I had a spot of pneumonia in my lungs. Here, take these pills and call your doctor on Monday. Have no idea as to what brought this on but it wasn't pneumonia. Bottom line, all is back to normal. It's is just that I knew it was coming and I'm glad I got it over with before something got all screwed up like the insurance cards this morning.
Great day. Suns out and the window is open. It's TDW.........Top Down Weather. I hear the Miata now.
If companies like Lehman Brothers and other credit institutions had not falsified information thus helping the greedy banks make more money on the investors money and we had not had this collapse, car sales might still be up enough that Delphi would still have enough business to not be able to show justice in what they are asking for. Maybe they should sue the banks. There is a blog that I think everyone should read. http://moneyplusthoughts.blogspot.com/ Read his background and look at his artwork but mainly, read his postings. Especially the ones on his views of the credit mess. If you have followed this market or lack there of, you will understand where he is coming from and how we got where we are today.
In Automobile Magazine there is an article by Ezra Dyer called Dyer Consequences and subtitled "I AM THE CZAR: A TEN POINT PLAN TO FIX ALL THAT AILS THE INDUSTRY". Point number 3 is as follows: "We should allow giant investment banks to increase their leverage to thirty times their capital, and ratings agencies will get paid by the companies they're rating, conflict of interest that provides incentive to drastically underestimate the risk associated with mortgage-backed securities, thus contributing to a speculative bubble that unrealistically inflates personal wealth. Voila`! Everyone buys cars....What? We already tried that?" Here's a writer in a car magazine that gets the big picture. Why can't congress get it right. Give big bucks to the banks and insurance companies and yell at the auto industry.
I have a couple of pre-existing conditions that the insurance companies just laugh at and say sorry for your luck. Delphi has been kind enough, LOL, to offer to let me 'pay as I go' for my health care and the wife's. When all is said and done it will come to about $1493 a month. If this isn't bad enough they gave us less than 30 days to look around and make decisions. For me it was cut and dry. For others that have no issues that they know of, until the insurance company looks into their backgrounds, they need time to digest what is available. Once you make the decision you cannot express mail or certify your mail to them. They stated they couldn't guarantee the receipt. After 3/27/09 anything received is voided. You could fax it and then call 24 hrs. later to confirm that they received it. Only problem is they posted the wrong number so some didn't go through until there was a correction sent out.
Still more confusion, I got a health card today, only one. I called and the insurance company said that I was the only one listed. I called back to the National Benefit Center and they told me that they had my fax and that it had not been reviewed so they had no idea as to what the card was for. I called the insurance again and they said it was for me and that the wife was good until only 4/1/09. After explaining to them that this could not be related to my 'pay as you go' decision I got "well this was started in January". That tell me that Delphi knew what they were going to do before I got my 'Dear John' letter in February.
I got my last ditch effort in this past week to get all I could out of Delphi's money for my health care. Wasn't by choice. I had my pace maker replaced because the batteries ran out. All day affair but all is better now. Two days ago I thought I would get some more for the money. I had an issue with chest pain, super headache, light headed and nausea. Went into emergency, x-ray's, two CT scans one of the head (didn't find anything there) and then of the chest since I have an aneurysm in the upper loop and they were thinking the possibility of it dissecting. Found I had a spot of pneumonia in my lungs. Here, take these pills and call your doctor on Monday. Have no idea as to what brought this on but it wasn't pneumonia. Bottom line, all is back to normal. It's is just that I knew it was coming and I'm glad I got it over with before something got all screwed up like the insurance cards this morning.
Great day. Suns out and the window is open. It's TDW.........Top Down Weather. I hear the Miata now.
Tuesday, February 24, 2009
Vent Time
I will try to make this short but that doesn't really matter now does it. This blog isn't read by many.
Today was a big day for me and a few more that 15,000 former and current retirees of Delphi Corporation. On Feb. 4th the corporation asked the bankruptcy court for permission to stop being responsible to the men and women that had worked for them with the understanding that we would receive our health insurance, dental and eye care along with some life insurance that diminished with time. We, the retirees paid into this on a monthly basis to help offset the costs. At no time were we given the opportunity to pay more on a monthly basis until 2/4/09, pay 100%. On Feb. 5, 2009 we received the docket from the law firms representing Delphi via Fed-Ex overnight. It said it all, Delphi would STOP offering any insurance to the salaried retirees on April 1, 2009. On Feb 6, 2009 we got another overnight package, this time from Delphi. It had more explanation as to why THEY HAD to do it. They owed their debtors. What, we aren't considered debtors. I worked for you (Delphi) and retired with a promise and you backed down. Maybe we should have formed a salaried union but we didn't. Maybe we should have said, keep your insurance, pay us more and we will find our own. At least we would have insurance during retirement and pre-existing conditions wouldn't make a difference.
I digress, when the Delphi package came it was like I said, a cheap explanation (pity me) as to why they had to do what they did. They also had made a decision to offer the same insurance you have but you would have to pay for it all. Wow, that helps some, those with pre-existing conditions but it also hurts most if not all. You plan your retirement around what you know and what you think you can expect. To go from $300 a month insurance payments in some cases to $1400 for the same insurance is extreme. There are pensions out there that might pay for that insurance but there will be absolutely nothing left. In fact, those individuals might owe money at the end of the month to survive.
Take a look at your own case right now with your current income. I know many retirees that are getting anywhere from $2400 to about $2800 a month. Lets say you make $4000 a month and you take out 6% state taxes, 20% federal taxes and the $1400 for insurance. That leaves you $1560 a month for utilities, house payment, house insurance food, limited entertainment, cloths etc. A car payment can drop it to $1200 or less left over. You should get the picture....the retirees are not going to make anymore money and they are going to have somewhat the same bills. And NO, they won't get $4000 a month.
Well, like I said, the news came today. The judge found in favor of Delphi. We are loosing our retirement insurance. I personally have three years to medicare. I live with a pacemaker and I am still considered a cancer patient because they keep finding spots that they remove, even though are mostly pre-cancerous thank goodness. All you have to do is see the cost of replacing the pacemaker. I am due one now and my best bet is somewhere over $50,000 since the last one was near $40,000 seven years ago. There are those that are younger than me and have pre-existing conditions. I feel sorry for them.
We did not run Delphi into the ground with bad decisions. We did not give out bad loans. We did not try to get rich in schemes that were unbelievable. We left our company in good stand, in some cases we were forced out by the bankruptcy, not ready to retire with more time left age wise.
It was said but it will never happen, lets take the health care away from all the retirees in the federal government. I'll bet that there would be a reform act then. I'll bet Judge Drain of New York would see a different light then. What gets my goat is that there is some sort of rule or law called 1114 that speaks of this action by Delphi and it is easy to read. It simply states that a corporation in bankruptcy cannot eliminate retirees health care without proper notification and time. We were given 12 days to write letters of protest to the judge. The retirees weren't a formed committee, we are scattered all over the place. We don't have a union that controls all this.
Now I don't care and that is really a bad thing to say. I don't care if and actually hope in someways that Delphi doesn't emerge from bankruptcy. There has been too many greedy hands in the pot from the day GM split them off. Yes, GM is as much at fault as anyone. I don't care if anyone buys a GM vehicle or not. They (GM) complain about their legacy payments, how about their legacy of WHO they are and where they came from. If GM was to start selling cars again do you think the American worker is going to go back to work. Over 60% of the parts supplied to GM come from Delphi. Most of which is in foreign countries now. My former plant in Kettering, OH is in several states...........of Mexico and China. One of these days we will be sending flags, shoes, clothing and toys to these countries. It will be our major exports to the countries with the major manufacturing industries. Cynical, yes, true, possibly. Support NAFTA and we will find out. Support Wal-Mart and we will find out. When you see Made in America in Wal-Mart you will know the tides have turned.
The only thing left is for Delphi to turn over my pension to the federal government, the PBGC, and in someways that might be a blessing. At least there would be no more worries as to what Delphi could take away or cheat me out of.
There are 15,200 retirees. Giving each retiree a cash buyout like they have the union workers over the years of lets say one million dollars would be $1,520,000,000. Big number right? They have spent this plus on lawyers since 2005. It's a wash because they say they are going save this and more by screwing the retiree. The only people in this whole mess that cannot win, that Delphi has always taken from to pay for something else, is the salaried worker.
Okay, I done. Well, not really but I am for now. It's never going to be over until.........
This is NOT the retirement I had tried to save for or plan for.
Today was a big day for me and a few more that 15,000 former and current retirees of Delphi Corporation. On Feb. 4th the corporation asked the bankruptcy court for permission to stop being responsible to the men and women that had worked for them with the understanding that we would receive our health insurance, dental and eye care along with some life insurance that diminished with time. We, the retirees paid into this on a monthly basis to help offset the costs. At no time were we given the opportunity to pay more on a monthly basis until 2/4/09, pay 100%. On Feb. 5, 2009 we received the docket from the law firms representing Delphi via Fed-Ex overnight. It said it all, Delphi would STOP offering any insurance to the salaried retirees on April 1, 2009. On Feb 6, 2009 we got another overnight package, this time from Delphi. It had more explanation as to why THEY HAD to do it. They owed their debtors. What, we aren't considered debtors. I worked for you (Delphi) and retired with a promise and you backed down. Maybe we should have formed a salaried union but we didn't. Maybe we should have said, keep your insurance, pay us more and we will find our own. At least we would have insurance during retirement and pre-existing conditions wouldn't make a difference.
I digress, when the Delphi package came it was like I said, a cheap explanation (pity me) as to why they had to do what they did. They also had made a decision to offer the same insurance you have but you would have to pay for it all. Wow, that helps some, those with pre-existing conditions but it also hurts most if not all. You plan your retirement around what you know and what you think you can expect. To go from $300 a month insurance payments in some cases to $1400 for the same insurance is extreme. There are pensions out there that might pay for that insurance but there will be absolutely nothing left. In fact, those individuals might owe money at the end of the month to survive.
Take a look at your own case right now with your current income. I know many retirees that are getting anywhere from $2400 to about $2800 a month. Lets say you make $4000 a month and you take out 6% state taxes, 20% federal taxes and the $1400 for insurance. That leaves you $1560 a month for utilities, house payment, house insurance food, limited entertainment, cloths etc. A car payment can drop it to $1200 or less left over. You should get the picture....the retirees are not going to make anymore money and they are going to have somewhat the same bills. And NO, they won't get $4000 a month.
Well, like I said, the news came today. The judge found in favor of Delphi. We are loosing our retirement insurance. I personally have three years to medicare. I live with a pacemaker and I am still considered a cancer patient because they keep finding spots that they remove, even though are mostly pre-cancerous thank goodness. All you have to do is see the cost of replacing the pacemaker. I am due one now and my best bet is somewhere over $50,000 since the last one was near $40,000 seven years ago. There are those that are younger than me and have pre-existing conditions. I feel sorry for them.
We did not run Delphi into the ground with bad decisions. We did not give out bad loans. We did not try to get rich in schemes that were unbelievable. We left our company in good stand, in some cases we were forced out by the bankruptcy, not ready to retire with more time left age wise.
It was said but it will never happen, lets take the health care away from all the retirees in the federal government. I'll bet that there would be a reform act then. I'll bet Judge Drain of New York would see a different light then. What gets my goat is that there is some sort of rule or law called 1114 that speaks of this action by Delphi and it is easy to read. It simply states that a corporation in bankruptcy cannot eliminate retirees health care without proper notification and time. We were given 12 days to write letters of protest to the judge. The retirees weren't a formed committee, we are scattered all over the place. We don't have a union that controls all this.
Now I don't care and that is really a bad thing to say. I don't care if and actually hope in someways that Delphi doesn't emerge from bankruptcy. There has been too many greedy hands in the pot from the day GM split them off. Yes, GM is as much at fault as anyone. I don't care if anyone buys a GM vehicle or not. They (GM) complain about their legacy payments, how about their legacy of WHO they are and where they came from. If GM was to start selling cars again do you think the American worker is going to go back to work. Over 60% of the parts supplied to GM come from Delphi. Most of which is in foreign countries now. My former plant in Kettering, OH is in several states...........of Mexico and China. One of these days we will be sending flags, shoes, clothing and toys to these countries. It will be our major exports to the countries with the major manufacturing industries. Cynical, yes, true, possibly. Support NAFTA and we will find out. Support Wal-Mart and we will find out. When you see Made in America in Wal-Mart you will know the tides have turned.
The only thing left is for Delphi to turn over my pension to the federal government, the PBGC, and in someways that might be a blessing. At least there would be no more worries as to what Delphi could take away or cheat me out of.
There are 15,200 retirees. Giving each retiree a cash buyout like they have the union workers over the years of lets say one million dollars would be $1,520,000,000. Big number right? They have spent this plus on lawyers since 2005. It's a wash because they say they are going save this and more by screwing the retiree. The only people in this whole mess that cannot win, that Delphi has always taken from to pay for something else, is the salaried worker.
Okay, I done. Well, not really but I am for now. It's never going to be over until.........
This is NOT the retirement I had tried to save for or plan for.
Thursday, February 19, 2009
Done!
Well, two years after moving in I finally finished the 1/2 bath that was roughed in when the house was built. You would have to look back in this blog to see some of the things that went on and how I finished some of the work. The builder made mistakes that were major in how the room ended up. The offsets drove me nuts because they would not have been needed if the builder had done it correctly in the first place. I guess I should have caught it but being in the basement with limited lighting it is easy to overlook some items. This is one I didn't imagine would happen. In the future I know who will be doing the measuring.
The room turned out fine and no one will be the wiser. It actually looks like it was planned for things to fit like they do, for the sink to have its own wall space, the toilet to have its own space and then the place for the table and lamp. This area could be converted into a closet, however, we plan on finding a piece of furniture that will serve as storage for towels and or out of season items.
Bottom line now is I just added a lot of value to the house for under $300, I don't have to run upstairs anymore and it's done.
Sunday, February 1, 2009
Another light from another source
My good 'ole buddy Gene, scroll down the side pictures here and look for the boob, I mean buddy, on the motorcycle. Yep that's him many years ago. The yellow Vette shown in various places in this blog is his. He even has the nerve to put a bull on it, the Lambo bull no less. Well he saw my headlight and had to send the one he wants in his garage. I'll have to admit, he has a Vette sitting in his and all I have is two airbrushed images of Porsches with a yellow Vette too. Parked in it is a Vibe (wow) and a '02 Miata SE. I am proud of it and it does bring back the old days of MG's, TR's and the like. I guess if I am going to keep the friendship I will have to post his rendition of a pretty headlight. Next I will be going to have coffee with him and trying to convince him he must change his ways. You be the judge, mine or his?
Corvette
Porsche
Corvette
Porsche
Something to write about
Well, it's been a week since the opening of the racing season and I am still just as excited now as I was before the Dayton 24 Hour Race started. Brumos is back. They were so close last year. All the hoop la with Jimmy Johnson, Danica Patrick and some for Jeff Gordon doesn't even begin to make the standing of the name of Donahue. I said Brumos is back but the real biggie is the name Donahue in the winners circle. I started watching and reading about Mark back in the late 60's. I have watched and waited for the day that son David would take his place in racing history and that happened on Jan. 25, 2009. I watched from the beginning to the end taping, of course, the parts that I needed for sleep. It was one of the best finishes I have ever seen and if anyone was watching and left before the end without a good reason then, just too bad for them.
I have listed in my profile that a good read is the book "The Unfair Advantage". I use to keep some of Mark's quotes posted over my desk for various reasons of encouragement or motivation. Now, I think I will revisit the book, not for the work needs as I'm now retired but more for the enjoyment and life in general.
We can talk about the Unser's, Petty's, and Andretti's, these are all great race families but the second and in some cases third generations didn't have to get to their level without the help of their fathers. David did and in a very fine way.
One last comment is that you don't have to always turn left to race. What with all the gossip and turmoil in NASCAR, the new IRL/CART and F1 the ALMS and Grand AM series might be the only place to get good racing without someone trying to screw with the points systems.
Enjoy the pics below.
Enjoy the pics below.
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