10/30/2008

Made in the USA = Jobs in the USA: Clothing


When I'm looking into buying clothes for my family the first place I check is garage sales. If I can not find what we need in a reasonable amount of time then I look for US made clothing. There is still a wide variety of clothing made in the USA. Take a look at some I've found.

All American Clothing Co.- This company makes a variety of clothes to cover almost any of your (men's and women's) clothing needs.

American Apparel- All of their clothing is made in Downtown L.A. They are one of my favorites because they have a nice AFFORDABLE selection of organic cotton apparel.

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10/29/2008

How To: Survive Layoffs


I caught word of layoff rumors at my employer last week. Our factories have gone through cut-backs this year, and a couple even closed. We're hurting just like.... well, every other company. We've gone through all of the cost cutting exercises, temporary travel restrictions, best cost practices, etc, etc... But so far, the restructuring really hasn't hit the white collar staff let alone my department.

You keep hoping that things will turn around, things will get better.

And they will, but likely not soon enough for some. The rumors got a hint of credibility this morning when it was reported on the local news. Reported as a rumor, but they felt is was credible enough to read.

Today, it was all the buzz around the office - everyone hoping that the next guy had answers, or maybe you had heard something? It was getting deep, and I couldn't wait for the day to end as management's actions gave hint to the impending notices.

One friend asked, "Have you been through this before? Why aren't you worried?!?"

  1. Don't Panic. Panic is contagious, and spreads fast. It does no good and you tend to make bad decisions when you panic. When was the last time someone when through a horrific event and later said, "Wow, good thing I panicked!" Never. Doesn't happen. Besides, whether you know it or not, there are people who look up to you, people who depend on you. People who look to you as their rock. The best thing you can do is be that rock. Be that calming voice of reason when all hell breaks loose.
  2. Find Solace in Your Diligence. If you've been on the ball, then you've likely got one of those budget things, and maybe been saving some money in an account or something. The Mrs. came out looking like an absolute genius after I was laid-off some years back. When we got home that day, we went over the budget to find that we were.... ok. We could make it on her income alone. Especially since we had been aggressively paying down our debts. We also had some cash tucked away in the baby emergency fund. Those three things gave us great peace on what was one of the worst days of my life. Seeing that storm coming, she had us in high gear leading up to it. If you haven't been doing these things, this is why you do them. If your plan is based on the best-case scenario, then welcome to life - it doesn't work that way.
  3. Put it in God's Hands. This is likely the most important one. Maybe you've heard the phrase, "Control what you can control". Well, this one is out of your hands. Seriously. Your past actions and performance may determine your fate, maybe not. Either way, it's out of your hands and quite possible that anything you do will only make matters worse. This is likely the largest part of why I can be so calm during something like this. Because I choose not to worry or act foolishly, but rather to pray to God, and put it to Him. If it is his will, if it is my time to go, then so be it. We don't know his plan and if you want to make him laugh, tell him your plan! When I was laid-off, I later saw it for the blessing that it was. I'm not saying that it was easy, but I later saw that it was time, and that God removed me from a poisonous situation that was only bound to get worse.
That's it. By the time you hear that it is coming, likely everything has been decided and all that is left is the formalities and the announcement. Let's say that the worst has happened, and you now find yourself unemployed. What now?
  1. Don't Panic. Yeah, we're still not going to go there. B r e a t h e. Maintain your dignity and your composure - be professional. If you play your cards right, then you'll walk out with a healthy severance and maybe even a letter of recommendation. The world hasn't ended, just your job.
  2. Know your rights. You may want to do a bit of research if you know that this is coming. Know what your employer can and cannot do. Know your rights as an employee. Can you collect unemployment? Have you been unfairly treated or discriminated against? Don't just assume that they know what they are doing and remember who's best interest they have in mind. Document everything, and know that all internet activity is monitored on the company network, so do your research from home.
  3. Your New Job Starts Today! That is, your full-time job of finding a new job. Time to hit the bricks and press the flesh, because the sooner you get a new steady income, the sooner that severance package looks more like a big bonus. Or maybe it's time to consider a job in the art of homemaking. Yes, you too can be a stay-at-home-mom or dad. There is no shame in it, and it can be a great time to bond with your kids. Take the opportunity if you can.
If you were not one of the ones cut from the pack, then take a deep breath and thank God. While you're at it, say a prayer for the people who were laid-off and their families. And if you can, send them this post. They could use some sanity about now.

As for my company, we should know more in the coming days. Maybe tomorrow.

What is your best job layoff advice? How did you survive?

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10/28/2008

Made in the USA = Jobs in the USA: Shoes


If you have been following our Patriot Pact Series you know just how I feel about supporting American workers. This weekend I spent some time with my parent's and other extended family. When the topic of the economy came up everyone talked about our money all going overseas and not staying here. When I said that I work very hard to try to buy only products make in the the USA, I was told over and over again how you just can't do it. Well, they are right. If you only shop at Wal-mart you can not do it, but if you are willing to try new stores and shop online there is a way.

These weekend conversations have inspired me to prove them wrong with a new series called: Made in the USA = Jobs in the USA.

I thought that I would start this new series out with one of my favorite things, Shoes.

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10/27/2008

Why Is Gas Cheap Now?


A couple of weeks ago, gas prices started falling. A little at first, then a dime. Another dime. And another.... Seemed like for a while it fell a dime every day or two. I took this picture in disbelief of gas approaching $3. Not an unwelcome change. Then it fell below $3.00. I wasn't sure I'd live long enough to see that again.

Now, on the way home tonight, I saw it posted at $2.46 - TWO FORTY-SIX! Pleased as I was, I thought back to the previous weeks and months with the question:

Why is gas suddenly cheap, and why now?


I've come to two conclusions on this one:

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10/26/2008

Carnivals / Festivals

This week we were included on five carnivals and festivals. Another slow posting week here at NtJS due to, life getting in the way. Stay tuned - lots of good stuff on the way and in the hopper. Be sure to check out the return of ReUse It!

We are pleased to welcome all new readers, as well as new carnivals to Not the Jet Set. To find out more about us, click here. We are a personal finance blog focused on frugality, stewardship, and current events, while also telling our story as a family and the personal finance decisions we have made. Thanks for stopping by and be sure to check out our NtJS Cafepress shop!

On with the round up...


Carnival of All Things Eco: The twenty-first edition is hosted at Focus Organic and features Mrs. NtJS's adventures in baby-wrangling and cloth-diapering. I also liked:

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10/24/2008

ReUse It! Towel Apron

At notthejetset, we've always pursued quality over quantity. Even still, we're please as pie to present this, our 200th post! Happy reading, and here's to 200 more. Cheers!


What to do when your favorite towel gets stained? Get creative! This reuse it idea is not the most creative but it is great classic idea that makes a good frugal gift as well.

Cost: $2.00 or less.

Time: 25 minutes (more or less depending on the detail you add)

Skill Level: Beginner

Materials needed:

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10/23/2008

Frugal Baby Food


Back in June Mr. NtJS asked me to write a post about frugal baby food. I informed him that I was not an expert and all I really do is just mash bananas and serve. Well, almost three months later I still do not feel like an expert but I would like to share what I have learned about making our own baby food and feeding our baby on a budget.

Like usual, we went against the norm and did not introduce rice cereal first. In fact, I still have not introduced grains yet (daughter is 9 months, started solids @ 4 months). I found no evidence that supported the notion that you have to give cereal's as one of the first foods. In some cases due to allergies it is better to wait.

Instead, I started with bananas. They are the easiest to prepare and one the first foods on all the list to try. It's as easy as keeping a few fresh ones on hand and mashing 1/3 of it at a time with a fork. Since we have an older child we would give her the other 2/3 of the banana with her meal. If you don't have another child to eat the left overs you can cover the cut end with a small piece of plastic wrap and it will keep it from browning.

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10/20/2008

Extravigantly Frugal: The Do-It-Yourselfer


Disclaimer: This is the second, and I can't say the final, post based on a country song. Fan or not, they are many times difficult not to relate to. You've been warned.

Few things are quite as frugal as going the DIY route. Many times this can be simple things:

  • Mowing your own yard instead of paying the neighbor kid twenty bucks.
  • Washing your own car instead of blowing ten bucks on the Scratch-o-matic downtown.
  • Making your own meals instead of letting McDonald's catch your slack.
You didn't know you were a DIYer, did you? Stop discounting it and give yourself credit - some folks would balk at those tasks without even considering it. Sure those are all pretty low-risk, low-involvement, but money-savers none the less. People typically associate DIY with higher risk ventures like carpentry, plumbing, car repair, basic wiring, or the dreaded computer repair. While the first list is often overlooked, the second is all too often farmed-out and put off as being 'too hard'. I will admit, they are - in their own way - a gamble, a risk.

Here is what the Gambler taught me about DIY:

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10/18/2008

Carnivals / Festivals

This week we were included on two carnivals and festivals. Another slow posting week here at NtJS due to, life getting in the way. Stay tuned - lots of good stuff on the way and in the hopper. Be sure to check out the return of ReUse It!

We are pleased to welcome all new readers, as well as new carnivals to Not the Jet Set. To find out more about us, click here. We are a personal finance blog focused on frugality, stewardship, and current events, while also telling our story as a family and the personal finance decisions we have made. Thanks for stopping by and be sure to check out our NtJS Cafepress shop!

On with the round up...


Carnival of Politics: Is a new one for us. Not your typical carnival as your post has to receive 5 votes to be included. We skated in (on our first try!) with our Patriot Pact.

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10/17/2008

ReUse It! Produce Bags


I'm a green gal. I use cloth diapers on my baby, I compost our food scraps and yard waste, I take my own reusable bags to the grocery store. Because of this green lifestyle I also tend to buy a lot of fruit and veggies at the local farmer's market during season and at the grocery store the rest of the year. I find it extremely difficult to use those little plastic produce bags at stores. I also tend to lose the small items in my large bag while buying lots of goodies at the farmers market and need something smaller to sit them in. What to do? Well, make your own stylish reusable produce bags of course!

  • 2 identical doilies
  • 1 or more yards of ribbon
  • large eyed round tipped needle (optional)
Instructions:

1. Layout- Lay your two doilies on top of each other lining the holes up.


2. Seams- Starting at the top corner, working your way down make a 'U' shaped seam along the outside edge of the doilies. Make sure to make it a tight enough weave that your produce will not fall out of the gaps.


3. Knotting- After the ribbon has made its way around the outside edge tie off both of the top corners. This should have created your pouch.


4. Drawstring- Starting at one top corner weave another strand of ribbon around the entire top circle working your way back to the starting point. Tie off the ends leaving enough room for a little (or large) handle to carry it with.


5. Complete- Your done! Go enjoy the fruits of your labor. LOL, I could not help myself.



Overall Project Grade: A-

Project Notes: I love doilies so I have a fine collection to choose from. While trying to find the right ones I looked at the tightness of the design (large wholes could mean you would lose your small fruits), strength of the doily, and overall size. Have fun and use some creativity with this project. If you have large circle doily you could just take your ribbon around the outside end and make a bag that way without using two doilies. The sky is the limit on creativity of this project.

I love finding vintage doilies at garage sales but never have had a "need" for them before now. With this new project I can always find a "need" for a cute doily at garage sale!

For more great ideas visit:
DIY Day
Make Do Monday
Tackle It Tuesday
Get your Craft On
Works for Me Wednesday

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10/16/2008

The Patriot Pact: Reality, Not Rhetoric

If you haven't read our first draft of the Patriot Pact, then be sure to check it out. We're our to remind Americans how much power they actually wield, and begin to steer our nation in a direction that doesn't lead to stupid.

For those of you who have read the Pact, you likely noticed that 10 through 13 are are political based, yet non-partisan. Neither party is always right, and neither is always on the correct side of the issues. That is for you to figure out. But that is not always easy to do. This being an election year, it is increasingly important to get a grip on what is going on.

How, as a voter, do you separate the rhetoric from reality, and make an educated decision?

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10/14/2008

Our Mortgage Statement is Awesome!


The Mrs. and I were super excited about two things on our mortgage statement this month. Sounds like someone getting excited about the new phone book coming it, right? Well, there's no misplaced emotions here. These are actually pretty cool things, and they wouldn't be so had we of opted for the standard issue 30-yr mortgage.

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10/12/2008

Carnivals / Festivals

This week we were included on four carnivals and festivals. Sad to report that we don't have time to add some suggested reading from each carnival, but then again, we barely got this one out as is! Enjoy the round up, and be sure to visit the carnivals as there are some great posts on there other than the ones written by us:)

We are pleased to welcome all new readers, as well as new carnivals to Not the Jet Set. To find out more about us, click here. We are a personal finance blog focused on frugality, stewardship, and current events, while also telling our story as a family and the personal finance decisions we have made. Thanks for stopping by and be sure to check out our NtJS Cafepress shop!

On with the round up...


Carnival of Kids and Money: Is hosted by Money Hacks and features our post on College Kids and Credit Cards. A great read if you got sucked in by one of these slimeballs, or know someone who did.

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10/11/2008

Debt Is Bad, Mkay?


With the current financial crisis in full swing, the evening news is littered with bank failings, job losses, and business closures. Sad news, undoubtedly, as these failings only add to the turmoil. Story after story, usually followed up by more tales of foreclosure. As we watch the fallout from years of bad decisions, we see a common theme arise:

Too much reliance on debt.

Lenders have worked tirelessly to desensitize us to the use of debt to the point where we use it daily. Personal finance gurus and documentary filmmakers have struggled to keep up and bring us back to reality. The undeniable reality is:

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10/10/2008

Credit Reports, Credit Scores - What's the Difference?

In a blogosphere obsessed with credit scores, a place where decisions are made based on the effect it will have on their FICO, I, Mr. NtJS, am about to say the unthinkable....

I never check my credit score.

Ever.

Since they checked, and reported it when we bought our house, I know what it was as of a year and a half ago. I do not make a financial decisions based on the effect it will have on my credit score.

Ever.

Perplexed? Read on - I'll explain.

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10/07/2008

Jim Cramer Finally Makes Sense


If you are at all familiar with Jim Cramer or his show, Mad Money, then you might be a bit confused by that title. No, I'm not saying that I finally understand his methods and that I'll be foolishly getting sucked into day-trading in the near future.

No, no, by "Jim Cramer Finally Makes Sense", I mean that he's finally come down from his decades-long caffeine/sugar high and stopped all that crazy talk - Buy! Sell! Hold! Buy! Sell! Hold! Bear Sterns is fine! At least for a few minutes on the Today Show he was making sense.

His advice sounded strangely familiar...

Cramer, calm and near tears at times, said that he thought all weekend about what he was going to say on Monday morning. His long contemplations resulted in this sobering advice:

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Halloween On The Cheap

The cheapest way to handle Halloween is to leave the porch light off and forget about it. BUT when you have little kids or enjoy the holiday it makes it hard to just ignore Halloween. I find most costumes at the store to be cheaply made and not able to hold up to my kids. Especially since they want to use the costume as dress-up clothes after the holiday. Because of this I always end up making my own costumes. Some years have been expensive, like the Snow White costume that I spent a fortune on fabric to get just the right colors. But other years have cost close to nothing like the Black Cat year. I'm no expert on cheap Halloweens but here are some tips that I have learned along the way.

  • Plan ahead- Like most things in life, if you give yourself enough time to think and get good deals you will save money.
  • Creative Costumes- Be creative and make your kid's (or your own) costumes. Instead of asking "What do you want to be this year?" ask, "Do you want to be a train engineer, a robot or a super hero?". By narrowing the choices down to options you know you can make cheaply or for free you and your child can both be happy about the decision.
  • Rethink Treats- We all know that we can not give out homemade goodies on Halloween night or at the school parties. I try to be healthier and cheaper by shopping for the little snack packs of animal cracker or similar when they are on sale. I will sometimes find other smaller packaged items on sale to use also.
  • After Holiday Sales- This good rule of thumb applies to all holidays not just Christmas. Last year I was able to get Halloween knee-hi socks for 90% off at Target. I bought all of them and made a boat load of Baby Legs for my kids to wear this year.
  • Reuse Candy- This is not as gross as it sounds. If your kids get candy at school or daycare like mine do then you know how it feels to end up with candy no one in your house will eat. Why not turn around and give it out to the kids who come to your door that night? It's still wrapped and untouched so to speak.
These helpful tips should help you have a happy Halloween no matter the size of your budget. Do you have any other cheap Halloween tips? We'd love to hear them!

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10/06/2008

The Cloth Diapering Rodeo

It has been amazing to watch our little baby change over the last month or so. It seems like over night she goes from sitting there taking the world in quietly to a non-stop explorer who loves to talk. As much as I love the changes the one hard part has been the diaper changes.

I'm sure all parents can relate to our experience as I'm well aware that it is not a unique one. Our baby would lay on the changing table so nicely while I changed her diapers. She would even hold her own legs up for me (to cute!). Now that she is 8 months old I have to wrestle her down, hold her legs up and keep her hands out of the way all while trying to wipe "real" poop and then put a prefold AND a cover on her. Most days I feel like I'm a cowgirl roping my calf because of the way I have to hold her down and she's flopping and fussing the whole time.

What to do? Do I give up on my cloth diapers? "Not I!" Says this bull headed ropin' cowgirl.

  1. She unvelcro's her covers all day everyday.
  2. She has "real" poop from starting on solids instead of runny baby poo.
  3. Moves nonstop while changing her.
  4. Mr. NtJS want's to go on a date and at the moment the babysitter's can't get her diapers on her right.
  5. Grandma's are not tucking the diapers into the covers correctly at the moment so she leaks and they feel horrible.
The Solutions:
  1. We switched to snap covers. So far they seem to work great. She can not get them off and they fit well. Velcro is easy to use but once your little one figures out how much fun it is to play with they just don't work.
  2. I purchased a roll of Tiny Tush disposable liners. They are 100% biodegradable and safe to use with septic systems. I've used them for a month and so far I really like they. They make cleaning up a drop in the bucket... or toilet in this case!
  3. Our last three issues are being solved with one solution. AIO or Pocket diapers. I've stayed way from them before for us they were more expensive since I was not willing to sew them (go ahead and call me chicken I don't mind). However, we need something that works and our current diapering system was not keeping up to par. I purchased a couple used AIO and Pocket diapers off of Diaper Swappers to try. As expected they worked really well and make thing much easier. I only tried snap diapers for obvious reasons and I liked the pockets better because they were easier to dry. The AIO's take longer to dry then everything else. If I was only going to have style of diaper in my rotation then I think I would have went for AIO, but I have a mix.
As we enter the next phase of our diapering for our youngest our cloth diaper stash did have to change but the key is that it is still just as do-able as it was when she was a new born. I still don't feel the need to go disposables and we are still saving money and the earth.

Do any of you cloth diapering veteran's (or ropin' cowgirls) have any other advice? Do any of you newbies to cloth have questions? I hope that this post helps others out there who struggle to make the cloth decision work for your family.

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10/04/2008

Carnivals / Festivals

This week we were included on three carnivals and festivals. Another crazy week here on the NtJS ranch. Fear not ReUse It! fans, that camera we were mulling over is on order, and a new ReUse It! post should be up next week.

We are pleased to welcome all new readers, as well as new carnivals to Not the Jet Set. To find out more about us, click here. We are a personal finance blog focused on frugality, stewardship, and current events, while also telling our story as a family and the personal finance decisions we have made. Thanks for stopping by and be sure to check out our NtJS Cafepress shop!

On with the round up...


Green It! Carnival: Is back and hosted by Green Me. It may not mean anything, but our post is listed first. Could be nothing. Just sayin'.


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10/03/2008

I Just Opted Out - Have You?

Letters! We get Letters! We get sacks and sacks of letters! Letterrrrrrrrrrs!

Always an entertaining segment on the Late Show with David Letterman was the CBS Mailbag. They quit doing it years ago, but when I go to get the mail, that theme song starts up in my head. Why? Junk mail. Credit offers. Insurance offers. Free* vacations I somehow won without entering. Catalogs for stores I'd never shopped at. We even started getting these official looking letters informing us that the warranty on one of our cars was about to expire and immediate action was required to continue coverage.

That warranty ran out years ago. I was not fooled by their ruse, but I can see how many would get sucked in. Why do we get all of these letters? Sacks and sacks of letters?

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10/02/2008

Payment / Donation Policies

We're doing a bit of tidying up, so we're moving this off of the mainpage.


Buy Now using Revolution Money Exchange

Don't have an RME account? Contact us for an invite! No fees to transfer money!


PayPal's fees are for suckers!  Use RME - See above.

Only accepting PayPal payments funded by PayPal Balance, PayPal Instant Transfer or PayPal eCheck. PayPal's fees are for suckers! Use RME - See above.

10/01/2008

Dave Ramsey's Bail Out Plan

Our blog has been overtaken by the bail out issues lately and this post is also about the bail out. BUT the light at the end of this tunnel is NOT an on coming train!

Dave Ramsey just released . In true Dave style the steps are simple as is the plan he is proposing. Check it out for yourself! If you agree with the plan email it to your Reps and forward it on via email to everyone you know. If you are a blogger... blog it. Let everyone know and make sure to flood your Congressperson's email (today) so that they know how we Americans feel.

I know that some of you are not big Dave fans and that's okay. We are all allowed to our own opinions. But even if you don't like Dave please try to review his plan without bias and do what's right for our Country.

The Patriot Pact


Last week, we were ranting and raving over the government using our tax dollars to bailout dumb corporations (it still hasn't happened yet). The Mrs. and I had differing views on the hows and whys of this funked up economy. And that's ok - it makes for interesting conversation.

One thing that we do agree on here, is that turning things around starts with you.

That's right. You and I hold this country's future in our hands. We can't directly control corporations, unless we happen to sit in the big office with the nice view and have the letters C, E, and O on the door. We can't directly control congress, that is unless when people write your name, they use the prefix Rep. or Sen. What we do have complete control of, is what happens in our own homes. We control the products that come in. We control the money that goes out. When you think about it, we actually do control a lot. And that is what the Patriot Pact is all about.

  1. I will not buy products solely because they have the lowest price.
  2. I will seek out American made products first.
  3. I will seek out environmentally friendly products and services first.
  4. I will shop local first, and national chains second.
  5. I will support companies whose morals and values line up with my own.
  6. I will live on a budget, avoid debt, and seek to bring peace and simplicity to my finances.
  7. I will hold at least one garage sale per year. (It is also acceptable to donate your 'garage sale items' in lieu of holding a sale)
  8. I will support charities and non-profit organizations that line up with my morals and values as my income permits. Equal opportunity should be given to both local and national organizations.
  9. I will bank with local banks and/or credit unions, instead of mega-banks.
  10. I will support and/or vote for candidates in touch with the reality of the issues at hand, instead of rhetoric.
  11. I will only vote when I can make an educated decision about a candidate or issue.
  12. I will vote out incumbents who serve their own interests over ours.
  13. I will contact my elected officials to inform them of my opinions as needed.
  14. I will politely encourage friends, family, neighbors and others to consider these points and/or to take the pact as well.

The Patriot Pact is not meant to be set in stone, but rather a 'living document'. It may evolve. It may change. We may add to or subtract from it. But the intent will remain the same. We welcome your input.

Will you take our pledge? Will you take back our country? Tell us in the comments.

Good night, and may God bless America.

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