tag:blogger.com,1999:blog-309141442024-02-06T23:54:47.472-05:00The Burckart BlogOur personal blog about life, liberty, and the pursuit of our dreams.Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.comBlogger372125tag:blogger.com,1999:blog-30914144.post-81832060367060725582015-01-05T08:38:00.001-05:002015-01-05T08:57:45.194-05:00Banged up means something different in the USI went to bed grateful last night. I crashed my bike going 20-25 mph yesterday when I hit a wood bridge that was wet and moldy - like ice on a bicycle. The wheels slid out from under me and I landed on the concrete on the other side. My 2 layer bike shorts were shredded. My right leg had 3 scrapes about palm-sized. The worst wound on my knee was bleeding pretty bad. I landed hard on my right arm with my long sleeve shirt and right glove shredded but they held up protecting from road rash. My shoulder is in all sorts of pain. But, I was grateful.
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I was thankful. I was okay enough to walk/ride slowly home. I was close enough to home that my wife would meet me with supplies nearby. I stayed awake and alert the whole time. Those were all reasons to be grateful to God immediately - but as the day progressed my gratitude grew. I was thankful for civilization progress and where we live in the United States. Heather was able to get the supplies to care for my wounds with ease. In half the countries in the world, these sort of wounds - just bumps and scrapes can result in infections, lost limbs, and even death. When I was showering and cleaning my scrapes I thought about how nice it was to not worry about the water having infectious bacteria. I had the means to care for this without worry.
<br><br>
I slept as well as anyone could hope after an accident like that. I slept so well because I was not worried about my health but instead could trust In God. He put me in a place where we had the products, information (thanks internet), and care needed here in the United States. I will be alright.
<br><br>
Here are some of the best things I could read on treating road rash:<br>
<a href="http://www.nursingcenter.com/library/JournalArticle.htm?Article_ID=415886">Nursing Center</a>
<br>
<a href="http://www.surgerysupplements.com/wound-and-scar-care-infographic/">Wound and Scar infographic</a>
<br>
<a href="http://www.bikeradar.com/us/gear/article/how-to-deal-with-road-rash-23619/">Bike Radar</a>
<br>
<br>
The Bike gloves I had were <a href="http://www.rei.com/h/novara">Novara</a>, REI's house brand. They held up beautifully with not a scratch on my hand.
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Anna remembered that her Aunt Kristal had a sea glass necklace. Anna wanted to find sea glass, but first didn't know what it was. On Wednesday morning I took her for a short hunting trip and found her a nice piece of sea glass. She thought it was wonderful and was amazed. I explained to her that could be someone's discarded trash, a glass bottle, which the sea has broken and beaten and molded into a beautiful rounded edge rock. She loved it. One man's trash is another's treasure for certain. That afternoon Anna went on a hunt for sea glass and found another 30 pieces. Thursday morning, she found another 50 pieces. She found her treasure. She even packaged a few of her best pieces in a bag for her cousin's birthday. She put in work to find it because to her sea glass had value.
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I am reminded years ago of people putting extra value in certain colors of cloth. Its almost foreign to most Americans today. Can you imagine paying more for a purple t-shirt than a green t-shirt? The rarity and beauty of something different was valued and there is value in that. We put that value in precious stones and metals now. But, if we flooded the market or just could find gold washed up on the shores, its considered junk. There are lots of other examples, the NC beaches contain beautiful wild flowers which are just weeds that are all over. These same beautiful flowers are for sale 2 hours away and people buy them to plant.
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So, I sit here and think about the business I am in. What do we value? What do our customers value? How are we unique and how do we remain valuable and distinguished amidst a sea of other people claiming they can do the same thing? How do we provide value to our employees and how do we help them to not take for granted what a unique and great culture and environment we have?Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-45321097183580690142014-01-02T11:07:00.000-05:002014-01-02T11:07:00.458-05:00West Africa Missions Trip<div class="MsoNormal" style="text-align: center;">
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Thank you for your prayers and support while our team was in
Africa.<span style="mso-spacerun: yes;"> </span>There is so much to tell that I
am not sure its possible in one note.<span style="mso-spacerun: yes;">
</span>So, I thought I would start unpacking what happened by telling a few
quick little stories of what happened there.<o:p></o:p></div>
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When
we got there, the rice harvest was in full swing.<span style="mso-spacerun: yes;"> </span>It is so serious some people sleep in the
fields after working all day.<span style="mso-spacerun: yes;"> </span>Because of
all this harvesting, there were not many people in the town.<span style="mso-spacerun: yes;"> </span>So, we went to the fields to work them and
meet the people.<span style="mso-spacerun: yes;"> </span>Ever seen white people
working a field in the middle of Africa?<span style="mso-spacerun: yes;">
</span>Neither had anyone there and it wasn’t long until there was a buzz about
us in the fields.<span style="mso-spacerun: yes;"> </span>We got to speak with
over 30 people in 3 hours of working the fields.<span style="mso-spacerun: yes;"> </span>The analogy Jesus uses in Luke 10:2 is better
understood when you see how countries harvest which is so different than how we
harvest with machinery.<span style="mso-spacerun: yes;"> </span>If the rice is
not harvested fast enough, the rice dries out or it is weighed down enough for
the field mice to get it.<span style="mso-spacerun: yes;"> </span>When they
harvest, they cut each individual stem by hand with a small but very sharp
paring knife.<span style="mso-spacerun: yes;"> </span>So, harvesting takes close
attention to each stem and has to be done at the right time.<span style="mso-spacerun: yes;"> </span>Working in the fields with the people helped
us better understand their culture and helped emphasize to the people in the
fields that we aren’t tourists, we are there for them.</div>
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The workers being out in the harvest also let us spend more
time with the church pastor there then we have ever been able to spend
before.<span style="mso-spacerun: yes;"> </span>We learned his story, his
passions, his plans for church planting in the region, the struggles that his
people face, and how we can help.<span style="mso-spacerun: yes;"> </span>When
we arrived he was a bit discouraged and by the end he was very encouraged,
loved, and ready to continue a push for the Gospel to be declared while being
persecuted.<span style="mso-spacerun: yes;"> </span>With every trip we take to
West Africa, the pastor and church members become stronger and bolder.<span style="mso-spacerun: yes;"> </span>We were able to have the church memorize four
stories, Jesus’s birth, Jesus’s baptism, assurance of salvation, and the
miraculous healing of a blind man.<span style="mso-spacerun: yes;">
</span>Several people in the church will share them with friends and we saw
that even within the week we were there.<o:p></o:p></div>
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God is sovereign.<span style="mso-spacerun: yes;"> </span>I
knew this before, but God really strengthened my understanding on this
trip.<span style="mso-spacerun: yes;"> </span>God was sovereign to help us
successfully and easily get to the town we are going to.<span style="mso-spacerun: yes;"> </span>None of us had ever been to Africa, but we
found the way to be easy and uneventful.<span style="mso-spacerun: yes;">
</span>God helped us understand what we were doing there and happily led us to
the places we needed to be.<span style="mso-spacerun: yes;"> </span>God
protected us and kept us healthy when we went outside the box on what we were
“supposed” to do and did what was needed to be able to talk with and be with
people.<span style="mso-spacerun: yes;"> </span>And finally, when all of our
plans fell through to get home, God gave me this verse: “Do not be afraid, but
go on speaking and do not be silent, for I am with you, and no one will attack
you to harm you, for I have many in this city who are my people.” (Acts 18:9,
10 ESV).<span style="mso-spacerun: yes;"> </span>We were surrounded by Christians
who wanted the best for us and helped us change travel plans, figure out how to
get home, and one great man who took 5 hours of the toughest part of the trip
with us to help us.<span style="mso-spacerun: yes;"> </span>God is indeed
sovereign and we learned to live by that more than ever.<o:p></o:p></div>
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<br /></div>
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God is great!<span style="mso-spacerun: yes;"> </span>Thanks for your support and
prayers throughout this journey.<span style="mso-spacerun: yes;"> </span><o:p></o:p></div>
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In Christ,<o:p></o:p></div>
<br />
<div class="MsoNormal">
Erik<o:p></o:p></div>
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Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-66964107116450114502014-01-01T10:45:00.002-05:002014-01-01T10:45:31.672-05:00Happy New Year! 2013 in reviewIt is New Year's day when I am writing this (perhaps not when you are reading it). I find New Year's day as a great day for reflection on the past year and looking forward to what is happening in the next year. <br />
<br />
I will start my review with work since it will be quick<a href="http://www.pointsource.us/blog/pointsource-one-year-later"> since earlier in the year I had described my first year at PointSource.</a> We continue to grow at PointSource and will be over 40 employees in Raleigh by the end of January. We have been so blessed, we have over doubled employees and revenues year-to-year. Since my letter above, we have hired an incredible sales leader in Luke Langford which has further accelerated our business. We also have shifted towards certain strategic investments which we believe will fuel our company in the out years. More to come in various launches throughout the first half of 2014.<br />
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Personally, I have grown a good bit. The largest change has come through the constant internal battle I have between workaholism and family I have learned to balance even better and be humble enough to be told when I am screwing up and being a workaholic by my wife, family, and friends. Although IBM required hours to get the job done and that was an easy place to retreat, my work life at PointSource has become a part of my life. Small business ownership shifts from a career as part of your life to a career as part of your identity pretty easily. I have learned to maintain first my identity in Christ, second my identity as a husband, father and friends, and third the CTO/Partner in PointSource. That sounds simple when said, but the better part of 2014 was God teaching me that. Meanwhile, Heather has been steady and faithful throughout by my side and loving me every moment. I can't ask more of her and she gives so much of herself that she daily shows me Christ's love for me.<br />
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2013 was not only my first full year at PointSource, but it was Heather and I's first year of zone defense as parents of 3. We survived. Ava is a beautiful and active 1 year old who listens well and brings us great joy. Meanwhile, Anna started first grade and Maddie started kindergarten, both at North Raleigh Christian Academy. Anna started piano and this year played soccer. Anna and Maddie both did ballet. Anna and I also started Indian Princesses this year. Overall, a very active and exciting year for our girls. They constantly amaze us with their faith, understanding, and smarts.<br />
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We decided since we have such sweet girls and life seems to easy, we'd mix it up in 2013 for 2014. We have a boy to be born in 2014 due February 14th. A boy! Many people believe we were trying for a boy but that truly isn't true this time. Anna and Maddie are 18 months apart and we hoped for Ava to have a little friend like Anna and Maddie do. God choose to bless us with a baby boy and we have no idea what that will be like. We wouldn't have planned on it ourselves because a baby girl would have been more comfortable. But we are thrilled and excited about a little boy coming into our lives!<br />
<br />
God has blessed us greatly in 2013. Some other things God has done: Heather became the Children's Director at our church, <a href="http://www.harvestnorthraleigh.org/">Harvest Bible Chapel North Raleigh</a>. We had a great Babymoon in Chicago a day before we attended our first <a href="http://harvestuniversity.com/">Harvest University</a>. God took me to West Africa (another blog post will be coming about that soon) for a missions trip that changed lives- at very least mine. And so much more. We are thankful for our friends and family in our lives and if it is God's will, we pray for a 2014 together of continued growth and learning for God's glory. <br />
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<br />Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-1811804428852743352013-12-20T06:25:00.000-05:002013-12-20T06:25:39.115-05:00Your ego is getting in the way of your happinessWe have been doing something amazing for the past year and a half at <a href="http://www.pointsource.us/">PointSource</a>. We have pivoted a company, created a culture, hired many people, and been blessed with a successful business that is growing at a rate and pace I could not have imagined. Our company was recently up for North Carolina's fastest growing small company by <a href="http://www.nctechnology.org/">NCTA</a>. Our success elicits a few different kinds of responses from peers in the past including a sense of entitlement, envy, or happiness. <div>
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"I deserve to be the same level as him/her/them." Seeing a peer (or someone viewed as a peer) leave and do something successful is exciting to many people. But then instead of being happy for them, they feel they are entitled to the same opportunity or to be the same level if they decide to also jump. For example, Let's say a peer left, joined a company and quickly rose to CIO of a publicly traded company in two years. These people with false entitlement feel two years later even though that haven't done much new that if they left they deserve to be CIO as well. Instead of being happy for their peer or looking for an opportunity to accelerate and grow their career, they view themselves as being entitled because they were once upon a time at the same level. Their sense of entitlement is getting in the way of their happiness.</div>
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"Erik isn't that smart he was just in the right place at the right time." When jealousy and envy spill over from an individual, it comes out as all forms of ugliness. I am blessed to have gotten the opportunities I have had and blessed that it has been successful. This jealous blind rage that people spew that ultimately gets back to me just makes me sad for those people. As far as I know, I haven't hurt too many of these people in the past and if I had I hope I have the chance to find out and say that I am truly sorry. Indeed when you say mean and spiteful things about someone who is successful some of it is rooted in truth. I am just a sinner and I would be nothing without God's blessing in my life. These are truths. But what I pray for these people is that they don't allow their jealousy or envy get in the way of their own happiness. </div>
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What I notice about these last two cases is they both are anger driven by their egos. These statements don't come from people who are happy and content with what has happened in their lives. They are people who desire the same blessings or believe they are entitled to something different. Said another way, <b>their egos are getting in the way of their happiness</b>. You see, if they checked their pride at the door they could pursue that which could make them happy. Often it isn't "I need to run my own company" or "make this much money" but instead could be thankfully "I need to have a job where I can feel accomplished and take care of my family." What a simple but sweet notion - finding what makes you happy.</div>
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"I am happy for them." Yes, some people do respond genuinely with a happiness for the success we have been blessed with. Its not a lie. They are happy. They are happy because they are also at the root content with where they are. I am thankful for these people. I want to surround myself with these people. I try to surround myself with these people.</div>
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Part of the challenge with happiness is that it is so difficult to find what makes you happy. For me, it is the hope in my Lord and Savior Jesus Christ. I have sought happiness in many other ways such as love, career and alcohol. None of those made me happy. They drove me further and further towards envy, greed, lust, anger, and ultimately disappointment. I will be happy regardless of what happens in my career now because Jesus has given me the hope and satisfaction I need in life. If you are looking for that hope and satisfaction in your life, connect with me today. I'd love to share the good news which gives me great joy.</div>
Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-27776634045005218172013-05-11T13:08:00.000-04:002013-05-12T09:42:00.930-04:00Four Favorite lesser known convenience appsAs the Chief Technology Officer for a <a href="http://pointsource.us/">PointSource</a>, a business which concentrates in building mobile applications, I often get asked what some of my favorite apps are. I find people are usually looking for the little known apps which can solve "problems" they don't worry about - in other words convenience apps. Here are 4 of my favorite recent finds:<br />
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<a href="https://itunes.apple.com/us/app/mobileday/id509842900?mt=8">MobileDay</a><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh6vcF2NVO65sp92sxjA3QOf1KJT3Fr67rh0-ZvBzJwfvDcM4VfRCb9hfY8y3VGsJA6772TMOfusgU2HMt2cdYb2n2Vmjx_7qOV3StQcWKveVEGzUDl2SOJ7IbpXqO1I-2ggmG6/s1600/IMG_1319.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh6vcF2NVO65sp92sxjA3QOf1KJT3Fr67rh0-ZvBzJwfvDcM4VfRCb9hfY8y3VGsJA6772TMOfusgU2HMt2cdYb2n2Vmjx_7qOV3StQcWKveVEGzUDl2SOJ7IbpXqO1I-2ggmG6/s200/IMG_1319.PNG" width="133" /></a><br />
Some people are getting better about formatting phone numbers in your calendar to easily dial in from mobile phone, but no app that I have found makes it easier to dial into conference calls than <br />
MobileDay. Give MobileDay access to your calendar, and it reads it and creates a big touchable button to dial into the call. It doesn't matter whether people formatted the call for one click, if they identified the call-in number and passcode it makes life simple. I wish I would have found MobileDay when I worked at IBM and had 12-15 calls on some days.<br />
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<a href="https://itunes.apple.com/us/app/leafsnap/id430649829?mt=8">Leafsnap</a><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigp7YRAiM3KwPsn-IrYRbAQzN4mAolIE_zj3pb-sYdo5PvqBgiO88jNvmiOgEiat2VevA4aTunB_DtWGfpZxJEyuFMB-j2641fYkU0Q2Bvy9oTGIrZ3YL-OdZZN-NGreR1zNWx/s1600/IMG_1318.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigp7YRAiM3KwPsn-IrYRbAQzN4mAolIE_zj3pb-sYdo5PvqBgiO88jNvmiOgEiat2VevA4aTunB_DtWGfpZxJEyuFMB-j2641fYkU0Q2Bvy9oTGIrZ3YL-OdZZN-NGreR1zNWx/s200/IMG_1318.PNG" width="133" /></a>When outside doing some landscaping, I have several times wondered questions like<br />
"What is this tree?"<br />
"How big will this get?"<br />
"How and when do I prune this?"<br />
<br />
Leafsnap has made it easier to figure out what some trees, bushes and shrubs are by taking a leaf, placing it on a white sheet of paper, and taking a photo of the leaf. Leafsnap then searches its database and gives you lots of info on your new find.<br />
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<a href="https://itunes.apple.com/us/app/vivino-wine-scanner/id414461255?mt=8">Vivino</a><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiI-brEoyZFEXU0UpNLksSfypCWy_S1VUf76odcm2PWdA3vQBY6vxyE9SKFiNkrrlS6jY11-zs_wfvXMcJHrMxzO6UUz0KXjTs8QrTJAjkBHRuLhBjPMw2tat6xE3VNMi5jS9T6/s1600/IMG_1317.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiI-brEoyZFEXU0UpNLksSfypCWy_S1VUf76odcm2PWdA3vQBY6vxyE9SKFiNkrrlS6jY11-zs_wfvXMcJHrMxzO6UUz0KXjTs8QrTJAjkBHRuLhBjPMw2tat6xE3VNMi5jS9T6/s200/IMG_1317.PNG" width="133" /></a>I know less about wines than I'd like and I have a horrible memory for wine names - particularly correlating names with whether or not I liked those wines. Vivino is the way I have started to try to remember and organize wines. It allows you to snap a label of the bottle and enter a rating. Often I have had fix the year, but it hasn't missed a label for me yet.<br />
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<a href="https://itunes.apple.com/us/app/untappd/id449141888?mt=8">Untappd</a><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEir-lne0uXZ_PECxZS9PVPJ29KvrWedp6hY5-xKXTaZTf9Kg7iVHTzLZRipWColBmCcJgZ58kUxdkb4Io7lRquMSe0oFim66VAT6v-HAPzy1nqAA28yaEyI1RlBUTvLyYAUeeUf/s1600/IMG_1320.PNG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEir-lne0uXZ_PECxZS9PVPJ29KvrWedp6hY5-xKXTaZTf9Kg7iVHTzLZRipWColBmCcJgZ58kUxdkb4Io7lRquMSe0oFim66VAT6v-HAPzy1nqAA28yaEyI1RlBUTvLyYAUeeUf/s200/IMG_1320.PNG" width="133" /></a>Similar to Vivino, this helps you remember beers you drank but with more of a social aspect around sharing your favorites. I haven't found this as useful yet but it is a cool concept for sure.<br />
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<br />Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-72583520182397549722012-05-16T08:53:00.000-04:002012-05-16T08:54:04.506-04:00Time for a Career Checkup"Do a health and sanity check on your career at least every two years." That is the advice I give many of the people I career mentor and advice that was given to me at an early stage of my career in IBM. It has been almost two years since I did some career introspection and I have no one to blame but myself. But, it was time to start this past May and I thought I would give you some insights as to how I do this health and sanity check.<br />
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<b>Step 1: Review past notes </b>(if you don't have past notes, take good ones this time for next time)<br />
First, I have gone back and read some of the analysis I did in the past some of which was in public and some of which was in private. About three years ago I decided to make a career shift within IBM and started working towards something new. That something new led to the job I have today. After about a year of pursuing that, I did some analysis in early 2010. First I read through my private notes which started in the January of 2010. Some of these made it into blogs which I thought I would link through here in chronological order:
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<ul>
<li><a href="http://burckart.blogspot.com/2010/05/decisions-at-crossroads.html">Decisions at the Crossroads</a> -- Introspection and decisions have to be made and the process I was going through to make them.</li>
<li><a href="http://burckart.blogspot.com/2010/05/life-in-fast-lane.html">Life in the fast lane</a> -- Sometimes when you have to get out of the fast lane to realize how fast you were going. I changed jobs and realized how fast I had been going.</li>
<li><a href="http://burckart.blogspot.com/2010/06/lot-to-like-about-working-at-ibm.html">A lot to like about working at IBM</a> -- This was an explanation of my introspection about what I like about my employer. </li>
<li><a href="http://burckart.blogspot.com/2010/06/choosing-family-over-career.html">Choosing family over career</a> -- Discussing the tough choices that fathers like me face every time we check our own fast paced intensive careers and the effects on our families.</li>
</ul>
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<b>Step 2: Check your resume</b></div>
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People often don't understand this one until they think about it. Ultimately, you are responsible for your own employment. Often if you work in the for profit industries, you are only valuable so long as what you contribute to is making the profit that the owners expect. Corporate loyalty is something that has waned in the past 20 years as we have seen things such as long term pension plans disappear. That is why you are doing a health check. So, I'll say it again, YOU are responsible for your own employment. Looking at your resume, answer some of these questions:</div>
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<ul>
<li>What has recent work added to your resume?</li>
<li>What have you done outside the workplace to improve your resume?</li>
<li>What holes do you have in your resume?</li>
<li>Of the things on your resume, which are you strongest in and which are you weakest in?</li>
<li>Have you spent enough time in your job to be considered senior and loyal but not institutionalized?</li>
</ul>
<blockquote class="tr_bq">
<span style="background-color: white; color: #111111; font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 22px;">"I’m not staying become a lifer. [...] </span><span style="background-color: white; color: #111111; font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 22px;"> 6 years is fine.</span><span style="background-color: white; color: #111111; font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 22px;"> 12 is getting long unless your company is totally rocking!" - <a href="http://www.bothsidesofthetable.com/2010/04/22/never-hire-job-hoppers-never-they-make-terrible-employees/">Mark Suster</a></span></blockquote>
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<b>Step 3: Write down everything you like and dislike about your job</b></div>
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But spend more time on the things your like. Don't get me wrong because I know it is important to get all your thoughts on the table. However, one can get into the weeds of cynicism and frustration if you do not focus on the positive elements. The goal of this is not to emotionally get yourself in a bad state. The goal is to evaluate what you like and dislike without emotion so you can do the proper analysis. If you have not yet, read my <a href="http://burckart.blogspot.com/2010/06/lot-to-like-about-working-at-ibm.html">A lot to like about working at IBM</a> article. This is the focus on the positive. There is also a negative list of things, which I did not post as to not focus on it. If you need some help getting your heart set straight about work, I would recommend you listen to <a href="http://www.harvestnorthraleigh.org/messages/3-4-12.mp3">this great sermon from Tim Horton.</a> (Also found here: <a href="http://www.harvestnorthraleigh.org/messagemanager/listen/20">At 3/4/12, "Work Fit in the Lord" Colossians 3:22-4:1</a> )</div>
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<b>Step 4: Dream big and work backwards. Where do you want to be in 10 years, 5 years, 2 years.</b></div>
<div>
Now that you have looked into your resume and your current job, its time to dream big. It can be a big reset, but what do you want to do in 10 years? Do not settle in your 10 year plans. Where should you be in 5 years to get to your 10 year plan? Then where strategically should you be in 2 years?</div>
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When you are doing this, keep in mind that the more detailed your plans and dreams the more unachievable they could be. Think slogan, not short story. If your 10 year goal is to "make executive" or "own my own business," it will simplify your focus and help your goals become more achievable. If you make your goals too extensive, you can lose focus.</div>
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<br /></div>
<div>
You do not have to be 100% certain as to your goals. You could be 51% certain. You could be 99% certain. The idea is to conclude this is where you want to go. Time, experience, and execution will determine the your real path. And, you review this every year or two in order adjust your goals and execution path.</div>
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<br /></div>
<div>
<b>Step 5: Create an actionable plan to make your 2 year goal and Commit to execute it</b></div>
<div>
"Vision without Execution is Hallucination." This is a quote heard in IBM attributed to Steve Mills and I have seen it play out time and time again. Build an execution plan to drive towards the vision of where you want to be.</div>
<div>
<ul>
<li>What is your resume missing to make your 2 year plan?</li>
<li>What are ways you can improve yourself outside of the workplace?</li>
<li>What can you change in your workplace to improve the climate?</li>
<li>How can you become a better employee?</li>
</ul>
<div>
Commit to your plan and execute it. Do not assume all open doors are the right doors to walk through and all closed doors will not open. I personally commit to these plans through prayer. I continually ask God to help show me the right way and close the wrong ways. If I hit a closed door, I begin to review my plans and expectations again. Some closed doors are meant to be opened - even if you have to put your shoulder into it to get it open. Do not get discouraged too quickly.</div>
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<br /></div>Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-58619256934304470892012-01-18T06:28:00.002-05:002012-01-18T08:01:17.838-05:00Stop PIPAMy letter to our NC state Senators based on the PROTECT IP Act:<br /><blockquote><br />Senator Burr and Hagan,<br /><br />As a technology professional who works at IBM in North Carolina I appreciate the importance of intellectual property. In fact, in 2011 I filed the most patent applications in IBM in the state of North Carolina and as you may know, IBM leads the US and world in patents issued every year for the past 19 years. I do not write this representing IBM however but instead representing myself as your constituent. So let me share my thoughts with you which do not represent my company.<br /><br />Protecting intellectual property is a large concern of mine. I want to be able to innovate freely and protect those innovations which are difficult discover. I was very interested to read the PROTECT IP Act but once I did, I was appalled. The full text of what I read was from Senator Leahy's website here: <a href="http://leahy.senate.gov/imo/media/doc/BillText-PROTECTIPAct.pdf">http://leahy.senate.gov/imo/media/doc/BillText-PROTECTIPAct.pdf</a><br /><br />While it is important to protect intellectual property, it is not worth opening the door to censorship this great. It is my understanding that the text in this bill will allow those with the most lawyers and deepest pockets to potentially demand that free speech be censored from the American people. This Act alone is not worth the worldwide damage it could cause to the cause of freedom of speech. In fact, there is no intellectual property that is worth the loss of freedom of speech.<br /><br />Furthermore, in a worldwide economy, censorship in the United States of the Internet alone will do little to stop the bleeding of our intellectual property into products and services abroad. Foreigners may still freely access and share another's intellectual property regardless of whether the US people can see it. It has more potential to hinder US innovation due to less information being available and more legal troubles being possible within the US. For example, individuals and institutions overseas may choose to stop publishing materials such as research papers to sites available within the US because of legal fears.<br /><br />As your constituent, I urge you to oppose the PROTECT IP Act. These bills will risk censoring the American Internet, ultimately stifle innovation, and provide a way for limiting freedom of speech worldwide.<br /><br />Thanks,<br />Erik Burckart<br /></blockquote><br /><br />Read more about this issue at these places:<br /><a href="https://www.google.com/landing/takeaction/">Google's site about the issue</a><br /><a href="http://americancensorship.org/">Stop American Censorship</a><br /><a href="http://fightforthefuture.org/pipa">Fight for the Future</a>Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-53115571262797899962011-12-31T16:08:00.005-05:002011-12-31T18:19:01.155-05:00Reflecting on 2011I write this on December 31, 2011 with about 8 hours left to go in 2011. Its been an amazing year and I was thinking about trying to recap this great year.<br /><br />The year started with a flurry as our family bought a new house in the beginning of February and moved at the end of February. This is the third house Heather and I have lived in and second the kids have lived in. Our new home was a foreclosure, 2 miles and 1 stop sign away from our old house within <a href="http://bedfordtradition.com/">Bedford at Falls River</a>. We got a contract on our old house in April and it sold at the beginning of June.<br /><br />We also became members at our new church, <a href="http://www.harvestnorthraleigh.org/">Harvest Bible Chapel North Raleigh,</a> in February. Heather and I spent over 8 years at our previous church before being called to Harvest, a small church plant in our area. We have been active members and have enjoyed serving and having fellowship in the church ever since. If you are in Raleigh, come check us out at Fox Road Elementary School at 10 AM.<br /><br />In April we went outside Jacksonville Florida with Heather's extended family. The girls had a blast and it was warm enough to spend most of the time on the beach. We also celebrated Maddie's 3rd birthday that month. <a href="http://raleighmom.blogspot.com/2011/05/maddie-turns-3.html">Maddie's 3rd birthday was a ladybug party</a> at our house.<br /><br />In May, my mother (aka Oma) visited over mother's day weekend and that was very exciting. Then towards the end of May we watched our friends 4 yr old twin girls and Heather and I got to experience being outnumbered 2:1. They were great and luckily we were smart enough to expect if we had another two for it to be that easy. :-) Their stay lasted two weeks and afterward we celebrated a belated 8 year anniversary date.<br /><br />We had a couple fun trips this summer including going to Figure Eight Island near Wilmington NC and going to Maine. <a href="http://raleighmom.blogspot.com/2011/07/figure-eight-island-vacation.html">Here are some great pictures of our trip to Figure Eight</a>. We enjoyed that trip with Heather's family at the end of June. In early August, we flew up to Maine to visit with my family. This trip was <a href="http://raleighmom.blogspot.com/2011/08/welcome-to-maine.html">Maddie's first flight</a> and the girls did great. We enjoyed picking <a href="http://raleighmom.blogspot.com/2011/08/blueberries.html">blueberries</a>, <a href="http://raleighmom.blogspot.com/2011/08/out-on-water.html">riding on the lake</a>, and <a href="http://raleighmom.blogspot.com/2011/08/diver-ed.html">having a sea adventure with Diver Ed</a>.<br /><br />In September, Anna started preschool for the first time going three days a week. She really loved it and has is looking forward to winter break being over. We also started finishing our attic in September. As part of that work, we cut the cord and got rid of cable. We are enjoying a cable-less household now. We capped off October by having a very small Alice in Wonderland girls only 5th birthday party for Anna.<br /><br />2011 sadly didn't pass without some significant losses as well. We mourned the passing of Heather's best friend's father, Jeff, and a last grandparent, Maw-maw. These two family members will be missed and we have been praying for our whole extended family who have felt the effects throughout the holidays.<br /><br />This fall/winter we also had great visits from my dad (Opa) as well as Oma, my sister, brother in law, and niece. This combined with seeing lots of Heather's family for Thanksgiving at our house and Christmas at their houses made for a great end of the year.<br /><br />We are preparing for a fun new year in Raleigh, have enrolled Anna in school for the fall and Maddie in preschool for the fall, and are embarking on new adventures all over the place. For our extended friends and family, we hope that our 2012 adventures will include you.Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-31430636100139212012011-12-03T19:35:00.004-05:002011-12-03T19:52:30.717-05:00Yee-haw - we are free of cable...We had <a href="http://www.windstream.com">Windstream</a> here on Friday to have internet and a *gasp* landline phone installed. Today I drove down to Time Warners place, stood in line behind about 20 people canceling cable (many took Black Friday specials from DirecTV and Dish), and then cancelled our cable completely. Just like that, we saved over $60/month off our cable bill (which was a "promotion" rate.)<br /><br />What will we miss? I will miss ESPN, although Windstream gives me ESPN3 access. Anna and Maddie will miss the Disney channel. Heather will miss HGTV. We all will miss the DVR. I will miss the speed of Time Warner's internet connection. Windstream, while faster than the AT&T DSL I had one year ago, is still significantly slower than Time Warner (see image below).<br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEilCDjFVYJUR5KUKuHSjC3wfVoeEa20hiAxtQ_N_A29LqgKixcEQQ9Vxplns3BOBLfmf3Zyb2Hm8bIUlPSVSkaExl-0PhqKReLplO4nxpq_Zf44orzCDQopHJy6v3sZ3yfmTQ0W/s1600/SpeedDifference.png"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 300px; height: 270px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEilCDjFVYJUR5KUKuHSjC3wfVoeEa20hiAxtQ_N_A29LqgKixcEQQ9Vxplns3BOBLfmf3Zyb2Hm8bIUlPSVSkaExl-0PhqKReLplO4nxpq_Zf44orzCDQopHJy6v3sZ3yfmTQ0W/s320/SpeedDifference.png" border="0" alt=""id="BLOGGER_PHOTO_ID_5682066216036304210" /></a><br /><br />What I won't miss? Shelling out an extra $60/mo for the above services. We won't miss the <span style="font-weight:bold;">abysmal</span> customer service. I won't miss the crappy VoIP service Time Warner provided. I won't miss the worse excuse for HD I have ever seen. I won't miss having to call every year or 6 months to get a promotion rate because their normal rates are so high. <br /><br />Windstream commits to not change their prices by saying if they start offering higher bandwidth, you can choose to pay more ot get it. But it won't keep increasing on you. There is no promotion rate I have to fight for yearly. Amazing!<br /><br />The kids are taking it well. In the last couple of days they were choosing to watch TV on the antenna rather than the recordings off the DVR. They have been excited to watch <a href="http://www.unctv.org/kids/">PBS Kids</a> and <a href="http://tct.tv/newschedule.php?start=5&a=4&stitle=Locally%20Broadcasted%20-%20TCT-SD%203">Tri-state Christian Television's Family channel</a>. <br /><br />Still have not yet signed up for Netflix or Hulu Plus..that is still to come.Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-261956950542496022011-12-01T07:32:00.002-05:002011-12-01T07:44:51.607-05:00What channels do we get?The common question I get is what channels do you get. My TV says it found 49 channels but only is showing 24. Here is the list of channels, each of which comes through great. Two of these don't come from the south side of my house, where my omnidirectional antenna is installed. Those are ION (47.1) and TCT (30.1). PBS (WUNC) mostly comes from the west rather than east and comes in fine. <br /><br />4.1 PBS WUNC <br />4.2 WUNC Kids<br />4.3 WUNC EX<br />5.1 CBS WRAL<br />5.2 THIS?<br />11.1 ABC WTVD<br />11.2 ?<br />11.3 ?<br />17.1 NBC WNCN<br />17.2 ?<br />17.3 ?<br />22.1 CW WLFL<br />22.2 Country music<br />28.1 WRDC my ROC<br />28.2 The Cool TV<br />30.1 Tri-state Christian Television<br />30.2 different Tri-state Christian Television<br />30.3 Tri-state Christian Television Family<br />30.4 Spanish Tri-state Christian Television<br />47.1 WRPX ION<br />47.2 ION Kids<br />47.3 ION Life<br />50.1 Fox WRAZ<br />50.2 Me TV<br /><br />Channels I am not getting which <a href="http://www.tvfool.com">TV Fool</a> says I may are:<br />24.1 W24CP<br />40.1 Univision<br />44.1 WZGS<br />64.1 W64CN<br />68.1 W68BK<br /><br />Another interesting nuance is when I go to a channel like 25.1 which is another PBS (WUNK-TV), my TV takes me to 4.1 (WUNC-TV). So I don't know if that counts that as I am getting 25.1. If so, this would account for the channels it says I am getting but I am not actually getting.Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-79871116403026071892011-11-29T07:49:00.002-05:002011-11-29T07:55:25.075-05:00Change of plans for getting rid of cableTo review the steps we have done to get rid of cable as outlined when we were <a href="http://burckart.blogspot.com/2011/11/preparing-to-cut-cable.html">Preparing to cut cable</a><br /><br />COMPLETED: Step 1: Run a coax cable line and power outlet in the attic on the southeast corner of my house. I used TV Fool to determine the right place in my house to run this line for an in attic antenna.<br /><br />COMPLETED: <a href="http://burckart.blogspot.com/2011/11/antenna-based-tv-is-great.html"> Step 2: Install an in attic amplified antenna to pick up local HD stations. I am currently looking at the Terk FDTVO Antenna.</a><br /><br />CHANGED/COMPLETED: Step 3: Instead of buying an $80 HD <a href="http://www.roku.com">Roku</a> box - I've decided to purchase one of the Cyber Monday deals on <a href="http://www.hulu.com/plus/devices">Blu-ray players which also support Netflix and Hulu Plus.</a><br /><br />SCHEDULED: Step 4: Switch from Internet, Phone, and TV from my cable provider to Internet and Phone from Windstream.<br /><br />Step 5: Sign up for Hulu Plus and Netflix.Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com1tag:blogger.com,1999:blog-30914144.post-43905145779812196542011-11-25T15:18:00.006-05:002011-11-29T07:49:04.363-05:00Antenna based TV is great!Happy Thanksgiving y'all. As we <a href="http://burckart.blogspot.com/2011/11/preparing-to-cut-cable.html">prepare to cut cable</a>...I installed a <a href="http://www.amazon.com/FDTVO-Directional-Amplified-Outdoor-Antenna/dp/B0027CSL9Q/ref=wl_it_dp_o_npd?ie=UTF8&coliid=I2O6G9YAW18I1T&colid=3URWLSHL897Q2">Terk FDTVO</a> in the attic this Thanksgiving break. As I said last time, first I did an address check at <a href="http://www.tvfool.com">TV Fool</a>. It gave me an in depth listing of all the TV Channels available from my house through a small antenna, an attic mounted antenna, and a roof mounted antenna. The graph for my house looks like this:<br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinT1Hp_ADCB1DE29urZIkopFOThm642GfaUQ2jsTcsYz8Id0z6X8DEkvxPFIvH-jdkkbNZBHpVuonSLn7gb-_10tb98Mt_lrSfHdkLQlHS4ufHezcys45VL9HyRHhuGSJ5mjJk/s1600/screen-capture-2.png"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 219px; height: 320px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinT1Hp_ADCB1DE29urZIkopFOThm642GfaUQ2jsTcsYz8Id0z6X8DEkvxPFIvH-jdkkbNZBHpVuonSLn7gb-_10tb98Mt_lrSfHdkLQlHS4ufHezcys45VL9HyRHhuGSJ5mjJk/s320/screen-capture-2.png" border="0" alt=""id="BLOGGER_PHOTO_ID_5679031938192774850" /></a><br /><br />Based on this, I needed to aim the antenna south, either slightly southeast or slightly southwest. I bought the Terk FDTVO because its multi-directional and pointing in one direction, we can get both the channels in the southeast and southwest directions. So, finding the southern most corner of the house, the Terk FDTVO took about 15-20 minutes to install. From the Terk there is a 10 ft coax cable line, then it plugs into the amplifier provided with the Terk, then it runs from the 3rd floor to the crawlspace and back up to the first floor to my cable splitters. I found the 3 cable lines we used in the house and attached those lines into the splitter with the antenna as the input. <br /><a href="http://www.flickr.com/photos/burckart/6401388577/" title="DSC_0006 by ejbst25, on Flickr"><img src="http://farm8.staticflickr.com/7164/6401388577_4099677e01.jpg" width="500" height="333" alt="DSC_0006"></a><br />(My phone shown for size perspective) <br /><br />After turning my TV to over the air rather than cable, My TV found 49 local channels. The Terk worked great. I turned on the LSU v Arkansas game and it looked great. <br /><a href="http://www.flickr.com/photos/burckart/6401385821/" title="DSC_0001 by ejbst25, on Flickr"><img src="http://farm8.staticflickr.com/7032/6401385821_78b67f2806.jpg" width="500" height="333" alt="DSC_0001"></a><br /><br />That is a HD picture with quality better than Time Warner Cable for sure.Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-89695230044699910002011-11-11T15:48:00.002-05:002011-11-11T16:42:12.150-05:00Preparing to cut the cable...I am preparing to cut the cable in our house. Here is my plan.<br /><br />Step 1: Run a coax cable line and power outlet in the attic on the southeast corner of my house. I used <a href="http://tvfool.com/">TV Fool</a> to determine the right place in my house to run this line for an in attic antenna.<br /><br /><span style="font-weight:bold;"><span style="font-style:italic;">COMPLETE</span></span><br /><br />Step 2: Install an in attic amplified antenna to pick up local HD stations. I am currently looking at the <a href="http://www.amazon.com/FDTVO-Directional-Amplified-Outdoor-Antenna/dp/B0027CSL9Q/ref=wl_it_dp_o_npd?ie=UTF8&coliid=I2O6G9YAW18I1T&colid=3URWLSHL897Q2">Terk FDTVO Antenna</a>.<br /><br />Step 3: Purchase and install two <a href="http://www.roku.com/">Roku</a> boxes. Right now I am aiming for the Roku 2<br /><br />Step 4: Switch from Internet, Phone, and TV from my cable provider to Internet and Phone from <a href="http://www.windstream.com/">Windstream</a>.<br /><br />Step 5: Sign up for Hulu Plus and Netflix. <br /><br />So, step 2 is next. Total, this takes our bill from $126 (discounted rate) to around $90 per month standard rate with an initial cost around $250 for step 1-5. I'll try to keep tabs on this project out here on my blog.Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-41943997971423552322011-09-16T19:18:00.003-04:002011-09-16T19:57:26.287-04:00Fried Apple CrepesAfter eating the best breakfast of my life at <a href="http://www.depotamericandiner.com/">The Depot American Diner </a> in Chicago, I was determined to bring home something like their apple pancake recipe. Not wanting to make a full copy of their recipe, I made up my own recipe for similar awesome taste with a slightly different context- we made it for dessert! <br /><br /><span style="font-weight:bold;"><span style="font-style:italic;">Burckart's Fried Apple Crepes</span></span><br />Makes: 7 crepes<br />Prep time: 20 minutes<br />Total time needed start to finish: 1 hour, 30 mins (lots of down time between)<br /><br /><span style="font-weight:bold;">Fried Apple slices</span><br />At least one hour before making the crepes, you must prep the apples.<br />Ingredients:<br />7 slices of Granny Smith (or your favorite) apple (fatter is better, 1 large apple would be sufficient)<br />2 tsp cinnamon<br />2 tbsp sugar<br /><br />Instructions:<br />1) Slice the apple from side to side with thin but full slices. Cut out the core on each slice.<br />2) Fill a 2 qt pot halfway with water, bring water to boiling.<br />3) Put apple slices in the boiling water. Add cinnamon and sugar to water.<br />4) Boil for 10 minutes on medium-low<br />5) Lay apples out on plate to cool and dry<br /><br /><a href="http://www.flickr.com/photos/burckart/6154371716/" title="Fried Apple Crepes by ejbst25, on Flickr"><img src="http://farm7.static.flickr.com/6077/6154371716_0268e957c4.jpg" width="500" height="333" alt="Fried Apple Crepes"></a><br /><br /><span style="font-weight:bold;">Crepe batter:</span><br />Ingredients:<br />1 c white wheat flour<br />2 eggs<br />1/2 c milk<br />1/2 c water<br />1/4 tsp salt<br />2 tbsp melted butter<br />1 tbsp honey<br /><br />Instructions:<br />1) In a large mixing bowl, stir together the flour and the eggs.<br />2) Gradually whisk in the milk and water.<br />3) Add the salt, butter, and honey<br />4) Beat until smooth.<br /><br /><span style="font-weight:bold;">Making the fried apple crepes:</span><br /><br />Instructions:<br />1) Heat a griddle over medium heat<br />2) Place a fried apple slice in the center of the griddle<br />3) Flip the apple after one minute<br />4) Pour 1/4 cup of crepe batter in the center of the apple. Batter should cover the center of the slice, the top, and flow to each side.<br />5) Cook for about 2 minutes til golden brown. Flip, cook the other side for about 2 minutes also.<br />6) Serve hot. <br /><br /><br />In pictures:<br />Step 2: <br /><a href="http://www.flickr.com/photos/burckart/6153829625/" title="Fried Apple Crepes by ejbst25, on Flickr"><img src="http://farm7.static.flickr.com/6173/6153829625_d5357b6a2a.jpg" width="500" height="333" alt="Fried Apple Crepes"></a><br />Step 4:<br /><a href="http://www.flickr.com/photos/burckart/6153830501/" title="Fried Apple Crepes by ejbst25, on Flickr"><img src="http://farm7.static.flickr.com/6203/6153830501_2d32592636.jpg" width="500" height="333" alt="Fried Apple Crepes"></a><br />Step 5:<br />It will be time to flip when the crepe doesn't look liquidy around the sides of the apple:<br /><a href="http://www.flickr.com/photos/burckart/6154376974/" title="Fried Apple Crepes by ejbst25, on Flickr"><img src="http://farm7.static.flickr.com/6167/6154376974_5b844c3296.jpg" width="500" height="333" alt="Fried Apple Crepes"></a><br /><a href="http://www.flickr.com/photos/burckart/6154375334/" title="Fried Apple Crepes by ejbst25, on Flickr"><img src="http://farm7.static.flickr.com/6155/6154375334_2d8469f180.jpg" width="500" height="333" alt="Fried Apple Crepes"></a><br />Step 6:<br /><a href="http://www.flickr.com/photos/burckart/6153833095/" title="Fried Apple Crepes by ejbst25, on Flickr"><img src="http://farm7.static.flickr.com/6206/6153833095_2d38cbfbbf.jpg" width="500" height="333" alt="Fried Apple Crepes"></a><br /><a href="http://www.flickr.com/photos/burckart/6154378056/" title="Fried Apple Crepes by ejbst25, on Flickr"><img src="http://farm7.static.flickr.com/6065/6154378056_5860f9a4d1.jpg" width="500" height="333" alt="Fried Apple Crepes"></a><br /><br /><br />We ate our first time spoils with powdered sugar and whipped creme.<br /><br />To find The Depot, we used <a href="http://www.flavortownusa.com/">the Flavor Town USA site</a> dedicated to the Food network show, Diners, Drive-ins, and Dives. Here is the show we used to find The Depot:<br /><iframe width="420" height="315" src="http://www.youtube.com/embed/1q_ugg_CK6w" frameborder="0" allowfullscreen></iframe><br /><br />Finally, I should note that the great apple we used came from yesterday's delivery to our doorstep from <a href="http://www.theproducebox.com/">The Produce Box</a>. Great apple, great dessert!Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-78427260108683761452011-05-20T07:56:00.008-04:002011-05-20T16:38:15.841-04:00What is this about a Rapture?If you haven't heard, some people are calling for there to be a day of judgement and Rapture tomorrow with the world ending on October 21st. This is a date predicted by Harold Camping, a man who also predicted the date wrongly in 1994. <a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVXntiofgLzU7f8raXjAowbp7LMERzbnam8lt2BDFFlhcugp_kXU5KgV_TkvlK8BH1T39pdNoHEjXinB54f-CObQI7kG4Utw5x73xRqSU9ADgTQwTHXF1PxJRzUQ9gvqYVWfGj/s1600/screen-capture.png"><img style="float:right; margin:0 0 10px 10px;cursor:pointer; cursor:hand;width: 400px; height: 68px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVXntiofgLzU7f8raXjAowbp7LMERzbnam8lt2BDFFlhcugp_kXU5KgV_TkvlK8BH1T39pdNoHEjXinB54f-CObQI7kG4Utw5x73xRqSU9ADgTQwTHXF1PxJRzUQ9gvqYVWfGj/s400/screen-capture.png" border="0" alt=""id="BLOGGER_PHOTO_ID_5608777749010792034" /></a>This is so widely discussed in the news, I thought it might be helpful to shed a light on what the bible REALLY says for those that read my blog.<br /><br />First, on false prophets: (1)<br /><blockquote><a href="http://www.biblestudytools.com/esv/deuteronomy/18.html">Deuteronomy 18:20-22 (ESV) </a><br /><span style="font-style:italic;">But the prophet who presumes to speak a word in my name that I have not commanded him to speak, or who speaks in the name of other gods, that same prophet shall die.' And if you say in your heart, 'How may we know the word that the LORD has not spoken?'-- when a prophet speaks in the name of the LORD, if the word does not come to pass or come true, that is a word that the LORD has not spoken; the prophet has spoken it presumptuously. You need not be afraid of him.</blockquote></span><br /><br /><span style="font-weight:bold;">So, if a man claims to have some prophecy and it doesn't come true, ignore that prophet.</span> Camping in fact <a href="http://www.ligonier.org/blog/harold-camping-false-prophet/">may not be a false prophet</a>(2) (depending on your definition of a prophet) but I believe he is at least teaching against God's word and therefore it makes him a false teacher and I believe the same should be said of a false teacher of God's word.<br /><br />Second, on whether we can know the day and time:<br /><blockquote><a href="http://www.biblestudytools.com/esv/mark/13.html">Mark 13:32-36 (ESV)</a> - also in <a href="http://www.biblestudytools.com/esv/matthew/24.html">Matthew 24</a> and Luke 21.<br /><span style="font-style:italic;">"But concerning that day or that hour, no one knows, not even the angels in heaven, nor the Son, but only the Father. Be on guard, keep awake. For you do not know when the time will come. It is like a man going on a journey, when he leaves home and puts his servants in charge, each with his work, and commands the doorkeeper to stay awake. Therefore stay awake--for you do not know when the master of the house will come, in the evening, or at midnight, or when the rooster crows, or in the morning-- lest he come suddenly and find you asleep. </span><br /><a href="http://www.biblestudytools.com/esv/acts/1.html">Acts 1:6-8 (ESV)</a><br /><span style="font-style:italic;">So when they had come together, they asked him, "Lord, will you at this time restore the kingdom to Israel?" He said to them, "It is not for you to know times or seasons that the Father has fixed by his own authority. But you will receive power when the Holy Spirit has come upon you, and you will be my witnesses in Jerusalem and in all Judea and Samaria, and to the end of the earth."</blockquote></span><br /><br /><span style="font-weight:bold;">So, Jesus says multiple times that you cannot know when. In fact, He does not know, only God the Father knows. How then do these people who claim to be Jesus's followers ignore His words as recorded?</span><br /><br />Third, what about judgement? (3)<br /><blockquote><br />God is holy so He has to be just and punish your sin (Isaiah 59:1-2, <a href="http://www.biblestudytools.com/romans/3.html">Romans 3:23-24</a>).<br /><span style="font-style:italic;">for all have sinned and fall short of the glory of God, and are justified freely by his grace through the redemption that came by Christ Jesus</span><br /><br />He did punish your sin, He inflicted your penalty on His sinless Son (Isaiah 53:4-5, 1 Peter 3:18).<br /><br />We can receive this forgiveness of our sin alone by faith in Jesus Christ (Romans 6:23, 10:9, <a href="http://www.biblestudytools.com/ephesians/2.html">Ephesians 2:8-9</a>).<br /><span style="font-style:italic;">For it is by grace you have been saved, through faith--and this not from yourselves, it is the gift of God-- not by works, so that no one can boast.</span><br /><br />We can walk in newness of life which is based on faith in Jesus Christ (Romans 6:4, Titus 2:11-14, 1 Peter 2:2-5).</blockquote><br /><br /><span style="font-weight:bold;">So, we will be judged but for those who put their faith in Christ, there is grace through the blood shed by Jesus on the cross and hope in His triumph over death in the resurrection.</span><br /><br />Finally, what about the end times in the bible? (3)<br /><blockquote><br />The end times will get tougher – its important to make a decision and get strong in your faith now (<a href="http://www.biblestudytools.com/esv/mark/13.html">Mark 13</a> - also Luke 21 and Matthew 24)<br /><br />Expect more earthquakes, famines, and wars (<a href="http://www.biblestudytools.com/esv/mark/13.html">Mark 13:7-8</a>).<br /><span style="font-style:italic;">And when you hear of wars and rumors of wars, do not be alarmed. This must take place, but the end is not yet. 8 For nation will rise against nation, and kingdom against kingdom. There will be earthquakes in various places; there will be famines. These are but the beginning of the birth pains.</span><br /><br />Jesus will rescue His own (<a href="http://www.biblestudytools.com/esv/mark/13.html">Mark 13:26-27</a>). <br /><span style="font-style:italic;">"At that time men will see the Son of Man coming in clouds with great power and glory. And he will send his angels and gather his elect from the four winds, from the ends of the earth to the ends of the heavens.</span><br /></blockquote><br /><span style="font-weight:bold;">There will be an end of this time and until then wars, earthquakes, and famines will increase in frequency. Jesus will rescue those who are His own.</span> Just as the apostles looked forward to the second coming of Jesus so do the followers of Jesus today when the world will exit its birth pains, tribulations will be complete, and we enter into eternity with a Glorious and Holy Lord. Until that day (which we don't know) we hope and pray that all will join us in our belief. We respond with the final words in the book of Revelation, "Come, Lord Jesus."<br /><br /><br />(1) <a href="http://www.epm.org/blog/2011/May/18/may-21-beginning-day-judgment">Adapted from Randy Alcorn,</a> Eternal Perspective Ministries<br />(2) <a href="http://www.ligonier.org/blog/harold-camping-false-prophet/">Harold Camping False prohet?</a> by RC Sproul. Ligonier Ministries<br />(3) <a href="http://www.harvestnorthraleigh.org/blog/pastor-mikes-blog/post/may-21st">Adapted from Pastor Mike Willis</a>, Harvest Bible Chapel North RaleighErik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com1tag:blogger.com,1999:blog-30914144.post-41203075899271025322011-02-07T07:13:00.003-05:002011-02-07T07:44:24.599-05:00So your team lost the Super Bowl...First of all, congratulations to the Green Bay Packers and their fans...especially to my cousins Amy and Hiter who were fans for years before this season. I hope you win many more Super Bowls but not at the expense of the Steelers again. :-) For those that don't know, I am a huge sports fan. I cheer on my Steelers, Pitt Panthers, Penguins, and even Pirates whenever I can. I am most seriously a Steelers fan and love to cheer them on. After they just lost the Super Bowl, the common question is, "Are you disappointed?" That's a good question, so let's analyze it a bit more.<br /><br />When I was younger when the Steelers lost I would be downtrodden for weeks. My family knew and expected me to be short, moping, easy to anger and lots of other things like I had just lost my best friend. Years ago I gained some perspective, some eternal perspective, and things changed. In fact when I went to the Super Bowl in Tampa to cheer on my Steelers in 2009 and they blew a lead and were losing late in the fourth quarter, I turned to my pal John and said "Even if they lose here this was worth it." What was worth it you might ask? The time spent with a friend, the adventure of traveling to Tampa, and the fun of cheering on my Pittsburgh Steelers. They won so no Steelers fan was disappointed. But this year they lost, so am I disappointed?<br /><br />I decided to start by looking up the word disappointed. In the dictionary it was defined as "being sad because something failed to fulfill one's hopes." Well, then of course I am not disappointed. Sure, I want my team to win. I even will say that I hope they win. But my hopes aren't really tied up in a football game. There are much more serious matters that my hopes are tied up in. Life or death matters.<br /><br />In my life I found myself hopeless for a while. I spent time meandering through life doing what I pleased me and what I realized is that each step I took down that path was a step farther away from what is now my eternal hope. Doing what I thought pleased me moved me further from God and the further I moved away from God the more miserable I truly was. The sin that I thought was pleasing me was really just making me more miserable. While I might have instantaneous pleasure in the moment, my lack of love and hope was really making me more miserable even if only seen when looking at my entire day, week, month, or year. What I didn't know is it was far worse than I knew - my life and lifestyle was leading me down a path to eternal separation from God. Thankfully we all have an opportunity to course correct and put our hopes, love, and desire in God through Christ crucified. I did this and my life has changed. I consistently feel God's love and have eternal hopes in Christ. <br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfjINJ8fVvhuPA9Mt_3NE7kKoz6X6hz9OMmIiJniGt49N4hMe8gTKdS75A2Si72cfoKNz4Rpgr7MpPTDqHXurG2Dvz10L35s-FrBwoO6K0Ns3YXt8sox4az6zqawf4Di6ZuN2_/s1600/Troy-Polamalu.jpeg"><img style="float:right; margin:0 0 10px 10px;cursor:pointer; cursor:hand;width: 214px; height: 320px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfjINJ8fVvhuPA9Mt_3NE7kKoz6X6hz9OMmIiJniGt49N4hMe8gTKdS75A2Si72cfoKNz4Rpgr7MpPTDqHXurG2Dvz10L35s-FrBwoO6K0Ns3YXt8sox4az6zqawf4Di6ZuN2_/s320/Troy-Polamalu.jpeg" border="0" alt=""id="BLOGGER_PHOTO_ID_5570925802800742002" /></a><br />So, friends, I am not disappointed in the Steelers loss because even if they had won, it wouldn't have changed the things that really matter in my life. I am more concerned about another battle - a battle for the eternal lives of my friends and family. I worry that they will miss the opportunity to put their faith in Christ and live an eternal life with peace and love in their hearts. My hope is in Christ and I pray that my loved ones will also know Him.<br /><br />Oh, and I think Troy Polamalu would approve this message. ;-)Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-49066209408255048792010-11-18T08:53:00.002-05:002010-11-18T09:08:34.934-05:00Great photographer - great experienceThis year's Christmas card will feature photos by the very talented <a href="http://photographybyjp.com/">Jessica Porter</a>. I wanted to just sing her praises and recommend her for all of our friends who are looking for a local kid-friendly photographer who provides high quality digital pictures with the rights to those photos..which is the thing I was <a href-"http://burckart.blogspot.com/2010/07/digital-photographers-for-millennial.html">desiring months ago.</a> Jessica also did a wonderful time with the kids and was able to get many quality shots of the girls. These aren't even the best pictures - we are saving those for the Christmas card. ;-)<br /><br /><center><a href="http://www.flickr.com/photos/burckart/5183595812/" title="Christmas Photo Session by ejbst25, on Flickr"><img src="http://farm2.static.flickr.com/1414/5183595812_f2998cfc47.jpg" width="500" height="400" alt="Christmas Photo Session" /></a><br /><br /><a href="http://www.flickr.com/photos/burckart/5183595444/" title="Christmas Photo Session by ejbst25, on Flickr"><img src="http://farm5.static.flickr.com/4107/5183595444_8f46cbcf27.jpg" width="333" height="500" alt="Christmas Photo Session" /></a><br /><br /><a href="http://www.flickr.com/photos/burckart/5182994655/" title="Christmas Photo Session by ejbst25, on Flickr"><img src="http://farm2.static.flickr.com/1013/5182994655_a37715cd8f.jpg" width="333" height="500" alt="Christmas Photo Session" /></a></center>Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-46196747286585711512010-10-11T13:16:00.003-04:002010-10-11T13:48:14.914-04:00Church change...Just a quick not on one of the big things that have changed for us - we decided to leave our old church. This was very difficult for us to do. We have been at one church for over 8 years - members for the past 7 years. We met at this church. Our kids were dedicated at the church. We know many people in the church and we have a great small group. The church has a pretty open and agreeable** theological stance, good leadership, good children's ministries, and lots of great ministries which help so many people. The church gives over 60% of their collected giving to ministries locally and across the globe and is almost debt free so they can give even more. It is a great church and we were <strong>comfortable</strong> there.<br /><br />Why are we leaving? Because we are convinced that the Holy Spirit has been urging us to consistently for the past 12 months and maybe as many as 4 years ago. What are we hearing? <em>"Leave what is comfortable. Seek a smaller discipleship oriented church. Find ways to better serve Me. Look to magnify Me to those I place in your path. Avoid consumerism and don't settle."</em><br /><br />We blindly followed that and decided to leave our church over labor day weekend not knowing where we would go. We stopped going to that church completely. We were able to look at over 50 churches thanks to how people have put their beliefs and sermons online these days. That was great but it still was a difficult decision. Through online searching, we were able to compare our beliefs (and theology), look at church vision, and listen to sermons very quickly - and through that process we narrowed our church selection down to 3 churches. We went to the first one who was the front runner and it was clear we were in the right place. That place is <a href="http://harvestnorthraleigh.com/">Harvest Bible Chapel North Raleigh</a>. <br /><br />Interested in hearing more about Harvest? Check out the 9.19.2010 serm<a href="http://harvestnorthraleigh.com/messagemanager/listen/13">here about the vision of Harvest</a>. My favorite sermon thus far has been Mike's sermon <a href="http://harvestnorthraleigh.com/messagemanager/listen/8">on 10.3.2010 around Mark 10</a>.<br /><br /><hr><br /> ** So long as you don't have strong convictions that one specific theology MUST be preachedErik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-87839335775276925722010-08-12T19:08:00.004-04:002010-08-12T19:31:56.072-04:00Credit Freezes for North CaroliniansBack in May of 2008, I was <a href="http://burckart.blogspot.com/2008/05/freeze-or-should-we.html">lamenting the fact that credit freezes would cost us $30/person</a> or $120 for our family of 4. What I failed to notice last October was that our North Carolina General Assembly made the necessary changes to the Identity Theft Protection Act of 2005 in order to make it free online (with exceptions below) to get a credit freeze. <a href=""http://ncdoj.gov/getdoc/5ec7dfeb-a28e-4b26-92c2-42df5fa0c36e/Freeze-Your-Credit.aspx">Here is the page from the NC Department of Justice</a> to explain what the advantages to getting a freeze are. <br /><br />With freezes, thaws (temporary unfreezes), and removal being free...this seems like a no brainer. Before I was wondering if this is worth $120 for my family plus $10 every time I had to remove the freeze. Now, all those barriers have been removed. I can't believe it took me 10 months to learn of this.<br /><br />Credit Freezes are always <span style="font-weight:bold;">free</span> for those over 62 years old, have been the victim of identity theft, or are the spouse of an identity theft victim. For the rest of us, here are the fees:<br /><ul><li>Place, Thaw, or Remove a Credit Freeze online: FREE<br /><li>Place a Credit Freeze by phone or mail: up to $3<br /><li>Thaw or Remove a Credit Freeze by phone or mail: FREE<br /></ul><br /><br /><a href="http://clarkhoward.com/topics/credit_freeze_states.html">Here is Clark Howard's guide to credit freezes with all the links to freeze your credit</a>.<br /><br />Here is the actual text from the actual <a href="http://www.ncga.state.nc.us/EnactedLegislation/Statutes/HTML/BySection/Chapter_75/GS_75-63.html">law passed by the NC general assembly</a>:<br /><blockquote><br />A consumer reporting agency shall not charge a fee to put a security freeze in place, remove a freeze, or lift a freeze pursuant to subsection (d) or (j) of this section, provided that any such request is made electronically. If a request to put a security freeze in place is made by telephone or by mail, a consumer reporting agency may charge a fee to a consumer not to exceed three dollars ($3.00), except that a consumer reporting agency may not charge any fee to a consumer over the age of 62, to a victim of identity theft who has submitted a copy of a valid investigative or incident report or complaint with a law enforcement agency about the unlawful use of the victim's identifying information by another person, or to the victim's spouse. A consumer reporting agency shall not charge an additional fee to a consumer who requests to temporarily lift for a specific period of time or to a specific third party, reinstate, or remove a security freeze. </blockquote>Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-75772770580910739642010-08-09T07:25:00.002-04:002010-08-09T07:44:57.871-04:00Do credit cards steal from the poor and give to the rich?<a href="http://www.getrichslowly.org/blog/2010/08/06/do-credit-cards-steal-from-the-poor-and-give-to-the-rich/">Here is an interesting read</a> for the day, the idea that credit cards steal from the rich and give to the poor. The idea is that everything nowadays has a built in uplift in the price to pay for the 2% credit card service fee. That amount is likely less than 2%. The idea is that the richest folks of those consumers paying that uplift have rewards cards; cash-back, airline mileage, points, etc.<br /><br />Well, if the richest are getting back some of their uplifted price what are the poorest doing? According to these folks they are paying the uplifted prices with cash, debit cards, or maybe credit cards without rewards. If that is the case, they are paying the uplift without any reward. <br /><br />Let's work an example. If the uplift at a given grocery store is 1%, for every $100 spent there $1 was set aside for the credit card processing. If the richest folks bought $50 of that and the poorest folks bought the other $50. $1 (2%) of the $50 the richest people spent goes to the credit processing company, $0.50 (1% uplift) was what the richest folks were charged and $0.75 (1.5%) of that will go back into the wallets of those richest folks. Meanwhile, the poorest people paid the $0.50 more than they should have since they didn't pay with credit cards. This means that $0.25 of the poorest people's money went into the richest people's pockets according the people that are bringing up this question.<br /><br />So, if you agree this is what is happening what do you do? You realistically have two options, keep rewards cards or take a moral stand and drop the rewards card which causes you to pay to those that have rewards cards. The system is deeply established already which is part of the problem here. <br /><br />I am thinking that maybe a good medium is to keep the rewards card and donate half of the rewards to charities which focus on lower income individuals.Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-43150163383484607282010-08-07T08:33:00.003-04:002010-08-07T08:48:55.401-04:00Free Exercise Program - Fixing our drainage problemFor the past couple of years its been getting worse and worse and its finally on the top of my list of things to fix now that it is washing away our backyard. We have a major water drainage problem at my house.<br /><br />Rewind 5 years ago when we bought the house. There were bushes lining the driveway and 2 big trees around the bottom of the driveway / bottom of the deck. After those bushes died and the trees were deemed dangerous to our home, we removed them around 3 years ago. <br /><br />In the past 3 years now, the water draining off the driveway has watches away sod and soil. Now it is extending itself further into the backyard. Now its time to take action that I should have taken several years ago. Here is a picture the morning after a rain storm:<br /><a href="http://www.flickr.com/photos/burckart/4863068608/" title="From the sidewalk into the backyard by ejbst25, on Flickr"><img src="http://farm5.static.flickr.com/4095/4863068608_7592fc420c.jpg" width="375" height="500" alt="From the sidewalk into the backyard" /></a><br /><br />As we have been evaluating options, I was fortunate enough to be able to spend time during the big rain storm on Thursday to watch the water flow. I know where it flows and where it is a problem now. I was able to talk to a friend, Mike, who helps fix these problems and I think I now know how to do it. I have a ton of information about french drains, infiltration drains/basins, dry wells, tortuousity, and permeable pavers in my head. Now its time for action. Next weekend I think I will begin the big dig (assuming the phone, cable, and electric company marks their lines early in the week). <br /><br />Now, who wants to join me and get some exercise?Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-81239474095217339312010-07-30T08:17:00.002-04:002010-07-30T08:21:44.022-04:00In Debt? Dave Ramsey coming to RaleighIf you are in debt or your are struggling to manage your finances, <a href="http://www.daveramsey.com/live/city/city/Raleigh/date/20101016/?ictid=lm0Raleigh">Dave Ramsey is coming to Raleigh for his Total Money Makeover</a> event. Those who read this blog know that we follow the teachings as learned through Crown Financial Ministries. Dave's plan is an offshoot of that plan and his one size fits all plan is great for anyone struggling with debt or finances. <br /><br /> If you don't know how you will dig out of your mess or need a plan and encouragement to do so, please consider going....based on the many people I know who have gotten out of debt on Dave's plan - I think you will be blessed by it.Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com0tag:blogger.com,1999:blog-30914144.post-33729616246338161422010-07-27T06:01:00.003-04:002010-07-27T09:11:45.351-04:00Twist on daily cost of debt - the giving possibilityWhen thinking about how to chronicle life in the future, I decided to peruse the blogosphere for for debt free living blogs. I found this interesting blog not about living debt free (yet) but about achieving freedom from debt called <a href="http://www.debtfreeadventure.com/">Debt Free Adventures</a>...which just so happened to be one of the site names I had thought of...<br /><br />All that intro to bring you to an interesting blog that Matt wrote <a href="http://www.debtfreeadventure.com/how-much-our-debt-costs-march-april-may-2010/"> here entitled <u>How Much Our Debt Costs</u></a> where he records that his debt costs $37/day. This took me back to a comment by a friend that stated that he paid roughly $10,000 in interest and was able to get about $3200 back on that through state and local tax deductions. What that made me realize is that $10,000 in interest is about $27.40/day or $18.63/day if you count the money saved on taxes.<br /><br />Whats amazing is that if you took that $10,000 you could sponsor 25 kids all year long, deduct the money on your taxes, and still have extra money in your pocket. Is anyone else amazed by that? Have you figured out how much your debt costs and what you would or could do with that? What else could you be doing with $25/day or whatever your daily cost of debt is?Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com2tag:blogger.com,1999:blog-30914144.post-85526791675385078282010-07-26T07:52:00.002-04:002010-07-26T08:10:10.482-04:00Paying off your mortgage will lower your credit scoreA while back I was researching what happens when you pay off your mortgage. One of the things I stumbled on was <a href="http://www.fivecentnickel.com/2010/01/22/effect-of-paying-off-your-mortgage-on-your-fico-credit-score/">this helpful blog</a> in which the author shares his experience that his FICO credit score went down based on paying off his mortgage:<br /><br /><blockquote>I’m no FICO credit score expert, but my understanding is that the decrease occurred because I no longer have any installment loans. Apparently their algorithms aren’t smart enough to distinguish between people who’ve never had an installment loan and people who’ve had one, never made a late payment, and paid it off within the past month.<br /></blockquote><br /><br />Is it that their algorithms aren't smart enough or are they working as designed? <a href="http://daveramsey.com">Dave Ramsey</a> calls the FICO credit score two things:<br /><blockquote>The I Love Debt Score<br /><br />The "I've been kissing the bank's butt on a regular basis" score<br /></blockquote><br />That's right, its probably working as designed. Someone who pays off their mortgage isn't as good as someone who will pay interest on debt consistently to a bank. Its common sense and business wise for the bank. But how should consumers react?<br /><br />I am writing this quick blog because I think people should know about this and <span style="font-weight:bold;">be outraged</span>. We should be outraged because your credit score is being used for other things while the algorithm is written for the bank's customer evaluation purposes. That is the most outrageous part of this. Insurance companies and (reportedly) some employers will look at it to determine the risk of an individual. The good news is that some insurance agencies don't use the raw credit score. From my <a href="http://auto.erieinsurance.com/insurance-scoring-know.aspx">insurance company's website on "insurance scoring"</a>:<br /><blockquote><br /><span style="font-weight:bold;">How does an insurance score differ from a financial credit score?</span><br />When evaluating a person’s credit information to determine an insurance score, an insurer only considers those items from credit reports that are relevant to insurance loss potential. Both an insurance score and a credit score are derived from the same thing: a credit report; but they are distinctly different.<br /><br />The main difference between an insurance score and a credit score is that insurance scores do not take into account a consumer’s income. Unlike a mortgage company, an insurance company is not assessing a customer’s credit-worthiness and therefore doesn’t consider income. Instead, an insurance company only considers those items on a credit report that will indicate future loss potential.<br /><br />We recognize that people sometimes face difficult circumstances in their lives such as job loss, medical bills or divorce. When we consider an applicant’s insurance score, an isolated instance of a late payment will not have a significant impact on your eligibility. We are looking at long-term patterns and overall responsible use of credit.<br /><br />Similarly, applicants who use cash for purchases or who don’t have established credit will not be scored negatively.<br /></blockquote><br />We should demand anyone aside from banks never use the credit score. If they use the credit report, so be it. But Should paying off your house make you more risky to insurance companies or employers? No! The only reason paying off you house makes you more risky is that you can, to a certain extent, do more of what you please. ;-)Erik Burckarthttp://www.blogger.com/profile/11271959207299422264noreply@blogger.com1