Steve's Blog

Name: Steve Colberg
Location: Helena, Montana, United States

Monday, September 10, 2007

Floating the Tieton with Jason-- Colberg Whitewater Expeditions

This past week I drove west of Yakima to the Hause Creek Campsite on the Tieton River. This Forest Service campground provides an excellent base for recreational whitewater enthusiasts.

Our older son, Jason, claims that he started rafting on the rivers of Montana with our family, but I must say that he has become a very safety-conscious, professional white-water guide. Further, with the little time he has to go rafting now, he has focused on a fall trip to the Tieton River; in the fall the flow increases as water is released from the reservoir for irrigation. We estimated a pretty steady rate of 6-7 miles per hour. It makes a great trip!

Please see Colberg.com and AmericanWhitewater.org for photos and more descriptions.

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Friday, July 20, 2007

The truth about taxes.
At first I thought this was funny...then I realized the awful
truth of it. Be sure to read all the way to the end!

Tax his land, Tax his bed,
Tax the table at which he's fed.

Tax his tractor, Tax his mule,
Teach him taxes are the rule.

Tax his cow, Tax his goat,
Tax his pants, Tax his coat.

Tax his ties, Tax his shirt,
Tax his work, Tax his dirt.

Tax his tobacco, Tax his drink, Tax him if he tries to think.

Tax his cigars, Tax his beers,
If he cries, then tax his tears.

Tax his car, Tax his gas, Find other ways to tax his ass

Tax all he has then let him know That you won't
be done Till he has no dough.

When he screams and hollers,
Then tax him some more,
Tax him till he's good and sore.

Then tax his coffin, Tax his grave, Tax the sod in which he's laid.

Put these words upon his tomb,
" Taxes drove me to my doom..."

When he's gone, do not relax,
Its time to apply the inheritance tax.

Accounts Receivable Tax
Building Permit Tax
CDL license Tax
Cigarette Tax
Corporate Income Tax
Dog License Tax
Excise Taxes
Federal Income Tax
Federal Unemployment Tax (FUTA)
Fishing License Tax
Food License Tax
Fuel Permit Tax
Gasoline Tax (42 cents per gallon) Gross Receipts Tax Hunting
License Tax Inheritance Tax Inventory Tax IRS Interest Charges
IRS Penalties (tax on top of tax)
Liquor Tax
Luxury Taxes
Marriage License Tax
Medicare Tax
Personal Property Tax
Property Tax
Real Estate Tax
Service Charge Tax
Social Security Tax
Road Usage Tax
Sales Tax
Recreational Vehicle Tax
School Tax
State Income Tax
State Unemployment Tax (SUTA)
Telephone Federal Excise Tax
Telephone Federal Universal Service Fee Tax Telephone Federal,
State and Local Surcharge Taxes Telephone Minimum Usage
Surcharge Tax Telephone Recurring and Non-recurring Charges Tax
Telephone State and Local Tax Telephone Usage Charge Tax Utility
Taxes Vehicle License Registration Tax Vehicle Sales Tax
Watercraft Registration Tax
Well Permit Tax
Workers Compensation Tax


STILL THINK THIS IS FUNNY?
Not one of these taxes existed 100 years ago, and our nation was the most prosperous in the world.
We had absolutely no national debt, had the largest middle class in the world, and Mom stayed home to raise the kids.

What happened? Can you spell "politicians!"

And I still have to "press 1" for English.
===========================
This article is forwarded by my friend, Dan J. in Helena. He says, "I hope this goes around the USA at least 100 times. See what you’re getting into…before you go there."

Monday, July 16, 2007

This pastor's got guts!!
(from a chain letter originated by
Len and Sue Shebosky)

Thought you might enjoy this interesting prayer given in Kansas at the opening session of their Senate.

It seems prayer still upsets some people. Please read.....

When Minister Joe Wright was asked to open the new session of the
Kansas Senate, everyone was expecting the usual generalities, but this is what they heard;

*************************
"Heavenly Father,
We come before you today
To ask your forgiveness and
To seek your direction and guidance.

We know Your Word says,
"Woe to those who call evil good"
But that is exactly what we have done.

We have lost our spiritual equilibrium
And reversed our values.

We have exploited the poor and
Called it the lottery.

We have rewarded laziness
And called it welfare.

We have killed our unborn and called it choice.

We have shot abortionists
And called it justifiable.

We have neglected to discipline
Our children and called it
Building self esteem.

We have abused power
And called it politics.

We have coveted our neighbor's
Possessions and called it ambition.

We have polluted the air
With profanity and
Pornography and called it
Freedom of speech and expression.

We have ridiculed the time
Honored values of our
Forefathers and called it enlightenment.

Search us, Oh, God,
And know our hearts today;
Cleanse us from every sin
And set us free.
Amen!"


The response was immediate. A number of legislators walked Out
during the prayer in protest.

In 6 short weeks, Central Christian Church, where Rev. Wright is
pastor, logged more than 5,000 phone calls with only 47 of those calls responding negatively. The church is now receiving international requests for copies of this prayer from India, Africa and Korea.

Commentator Paul Harvey aired this prayer on his radio
Program, "The Rest of the Story," and received a larger response to this program than any other he has ever aired.

With the Lord's help, may this prayer sweep over our Nation's and
wholeheartedly become our desire so that we again can be called "one nation under God."

If possible, please pass this prayer on to your friends.
If you don't stand for something, you will fall for anything.

Friday, April 20, 2007

VOIP -- An update

My initial access to unlimited long-distance phone service was thru Vonage via a cable connection with Comcast. It has worked very well. When the service was up an running and when my phone number had been rolled over from Qwest I cancelled our Qwest service completely and disconnected their wires from our house at the little grey box on the outside wall.

When we moved to another home in the same city, Seattle, I made sure that Comcast scheduled a high-speed cable connection before our move date. Then moving our phones and phone number to the new house was very, very simple. Unplug the Vonage modem from the network in our old house and plug it in at the new house. Voila! We had phone service with our old number at the new house.

I tried Lingo voip briefly but found that their SIP protocol did not work well with the router on my home network. Their incoming signal could not get thru unless I established a DMZ to get the Lingo box outside our router's firewall.

Now I am in the process of moving to Sun Rocket features at a lower price and it has a couple of additional benefits. First, the price is only $199/year; that includes all of the US and Canada like voip. Sun Rocket provides most of the Vonage features, but it also has an international allowance of $3/month at their discounted international rates. That can be up to 100 minutes each month to call anywhere.

Then Sun Rocket has "Anywhere Numbers" that can make up some of the six numbers ringing on your home phone. Added numbers are an additional $3/month. I am using one to replace a land-line phone in Montana that we have used for over 30 years. Our Montana phone number will ring on our Sun Rocket phone--wherever it is--and we can disconnect Qwest and their high monthly charges once more.

So, add it all up:
  1. Go from $24.95/month (plus taxes and fees) on Vonage to $199/year (taxes and fees are included) on Sun Rocket.
  2. Go from $35/month for a land line on Qwest in Montana to $3/month on Sun Rocket.
  3. Call my sister in China at $.03/minute using $3/month allowance = 100 minutes FREE.
  4. Special sign-up bonus for me of 15 months for the price of one year.
  5. Special sign-up bonus for the friend who referred me of $25.
Just compare these benefits of Sun Rocket against the advertisements for alternative VOIP that fill your mail, newspapers and TV.

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Saturday, January 27, 2007

Prevent ID and Credit Theft
[ATTORNEY'S ADVICE]

A corporate attorney sent the following out to the employees in his company.

  1. The next time you order checks have only your initials (instead of first name) and last name put on them. If someone takes your checkbook, they will not know if you sign your checks with just your initials or your first name, but your bank will know how you sign your checks.
  2. Do not sign the back of your credit cards. Instead, put "PHOTO ID REQUIRED."
  3. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the "For" line. Instead, just put the last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check-processing channels will not have access to it.
  4. Put your work phone # on your checks instead of your home phone. If you have a PO Box, use that instead of your home address. If you do not have a PO Box, use your work address. Never have your SS# printed on your checks, (DUE!). You can add it if it is necessary. However, if you have it printed, anyone can get it.
  5. Place the contents of your wallet on a photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place. Also carry a photocopy of your passport when traveling either here or abroad. We have all heard horror stories about fraud that is committed on us in stealing a name, address, Social Security number r, credit cards.
  6. When you check out of a hotel that uses cards for keys (and they all seem to do that now), do not turn the "keys" in. Take them with you and destroy them. Those little cards have on them all of the information you gave the hotel, including address and credit card numbers and expiration dates. Someone with a card reader, or employee of the hotel, can access all that information with no problem whatsoever.

Unfortunately, as an attorney, I have first hand knowledge because my wallet was stolen last month. Within a week, the thieves ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer and received a PIN number from D.V. to change my driving record information online.

Here is some critical information to limit the damage in case this happens to you or someone you know:

  1. We have been told we should cancel our credit cards immediately. The key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them.
  2. File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if there ever is one). However, here is what is perhaps most important of all (I never even thought to do this.)
  3. Call the three national credit reporting organizations immediately to place a fraud alert on your name and Social Security number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name. The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit.

By the time I was advised to do this, almost two weeks after the theft, all the damage had been done. There are records of all the credit checks initiated by the thieves' purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away this weekend (someone turned it in). It seems to have stopped them dead in their tracks. Now, here are the numbers you always need to contact about your wallet and contents being stolen:
  • Equifax: 1-800-525-6285
  • Experian (formerly TRW): 1-888-397-3742
  • TransUnion: 1-800-680-7289
  • Social Security Administration (fraud line): 1-800-269-0271
===================
Thanks to Jim Sewell and Sharon Valance of Helena, MT for forwarding these tips.

Tuesday, February 21, 2006

Drug Prices at COSTCO

Marlene J. Ruston
Senior Benefits Program Specialist - Retirement
WMATA
600 Fifth Street, NW
Washington, DC 20001
mruston@wmata.com
(202) 962-2843 (work)
(202) 962-2293 (fax)

Marlene J. Ruston 12/21/05 8:39 AM
Please read in its entirety. The e-mail is lengthy but informative.

COSTCO! read this... Let's hear it for Costco!! (This is just mind-boggling!) Make sure you read all the way past the list of the drugs.

The woman that signed below is a Budget Analyst out of federal Washington, DC offices. Did you ever wonder how much it costs a drug company for the active ingredient in prescription medications? Some people think it must cost a lot, since many drugs sell for more than $2.00 per tablet. We did a search of offshore chemical synthesizers that supply the active ingredients found in drugs approved by the FDA. As we have revealed in past issues of Life Extension, a significant percentage of drugs sold in the United States contain active ingredients made in other countries. In our independent investigation of how much profit drug companies really make, we obtained the actual price of active ingredients used in some of themost popular drugs sold in America. The data below speaks for itself.


Consumer price

Cost of general active ingredients

Percent markup

Celebrex: 100 mg (100 tablets)

$130.27

$0.60

21,712%

Claritin: 10 mg (100 tablets)

$215.17

$0.71

30,306%

Keflex: 250 mg (100 tablets)

$157.39

$1.88

8,372%

Lipitor: 20 mg (100 tablets)

$272.37

$5.80

4,696%

Norvasc: 10 mg (100 tablets)

$188.29

$0.14

134,493%

Paxil: 20 mg (100 tablets)

$220.27

$7.60

2,898%

Prevacid: 30 mg (100 tablets)

$44.77

$1.01

4,433%

Prilosec: 20 mg (100 tablets)

$360.97

$0.52

69,417%

Prozac: 20 mg (100 tablets)

$247.47

$0.11

224,973%

Tenormin: 50 mg (100 tablets)

$104.47

$0.13

80,362%

Vasotec: 10 mg (100 tablets)

$102.37

$0.20

51,185%

Xanax: 1 mg (100 tablets)

$136.79

$0.024

569,958%

Zestril: 20 mg (100 tablets)

$89.89

$3.20

2,809%

Zithromax: 600 mg (100 tablets)

$1,482.19

$18.78

7,892%

Zocor: 40 mg (100 tablets)

$350.27

$8.63

4,059%

Zoloft: 50 mg

$206.87

$1.75

11,821%

Since the cost of prescription drugs is so outrageous, I thought everyone should know about this. Please read the following and pass it on. It pays to shop around. This helps to solve the mystery as to why they can afford to put a Walgreen's on every corner. On Monday night, Steve Wilson, an investigative reporter for Channel 7 News in Detroit, did a story on generic drug price gouging by pharmacies. He found in his investigation, that some of these generic drugs were marked up as much as 3,000% or more. Yes, that's not a typo... three thousand percent! So often, we blame the drug companies for the high cost of drugs, and usually rightfully so. But in this case, the fault clearly lies with the pharmacies themselves. For example, if you had to buy a prescription! on drug, and bought the name brand, you might pay $100 for 100 pills.& nbsp; The pharmacist might tell you that if you get the generic equivalent, they would only cost $80, making you think you are "saving" $20. What the pharmacist is not telling you is that those 100 generic pills may have only cost him $10!

At the end of the report, one of the anchors asked Mr. Wilson whether or not there were any pharmacies that did not adhere to this practice, and he said that Costco consistently charged little over their cost for the generic drugs.

I went to the Costco site, where you can look up any drug, and get its online price. It says that the in-store prices are consistent with the online prices. I was appalled. Just to give you one example from my own experience, I had to use the drug, Compazine, which helps prevent nausea in chemo patients.

I used the generic equivalent, which cost $54.99 for 60 pills at CVS. I checked the price at Costco, and I could have bought 100 pills for $19.89. For 145 of my pain pills, I paid $72.57. I could have got 150 at Costco for $28.08.

I would like to mention, that although Costco is a "membership" type store, you do NOT have to be a member to buy prescriptions there,as it is a federally regulated substance. You just tell them at the door that you wish to use the pharmacy, and they will let you in. (this is true)

I went there this past Thursday and asked them. I am asking each of you to please help me by copying this letter, and passing it into your own e-mail, and send it to everyone you know with an e-mail address.
---

P.S. from Steve: I received this email from a friend along the high-line in northern Montana, Dorothy R. Other than correcting one of the percentages it comes to you exactly as I received it. Please add comments if you either confirm or question this information.

Wednesday, February 01, 2006

La Galleria -- Fine Italian Cuisine

We bought a restaurant in Edmonds today. Our younger son, Josh, is coming back from Montana to run it. It has been operating as an Italian restaurant for 19 years under a variety of names and owners; two recent names were Ciao Italia Ristorante and Ciao Stella Mia. Josh will be the owner/manager with the new name La Galleria.

In case you are in search of great Italian food and a selection of fine wines, check it out. Edmonds is on the Amtrak line just north of Seattle and it has the terminal for the Kingston ferry. La Galleria is located at 546 5th Ave S, Edmonds, Washington. It turns out that 5th Ave S is the same as highway 104, so driving north from Seattle on I-5 then exit 177 north-west from I-5 towards Edmonds/Kingston ferry (Do Not take the ferry turnoff) takes you right on to 5th Ave S. It is only a few blocks from the ferry terminal or the train station. Map

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