I have to say, I am a fan of charter schools. I’m sure most of you have heard the term, but you may not know what it means. I want to clear up a misconception or two right here, right now, so that when a debate on the issue comes up, everyone can know what is going on.

First off, a private school is a public school that operates under less strict regulatory guidelines that an ordinary public school. They are usually administered by a non-profit professional school administration company and control their own funds. A charter school is bound to perform by a document called a charter that effectively serves as a contract between a local Board of Education and the school. The charter also serves as a contract between the parents of the school and the educators. It effectively relinquishes the school from complying with many education regulations set forth by the State and local Board of Education. In doing so, the charter gives school leaders and instructors greater autonomy in how material is presented and in how the school is run. With this freedom comes responsibility. Outcome goals are set in the charter and if the school does not perform, it will be shut down, unlike a traditional public school. In essence, charter schools gain greater flexibility for greater accountability.

Currently in Georgia, 70-some public charter schools in Georgia. Overall, they produce results, involve parents, and those served by them love them. A few haven’t been so great and they have been shut down. I’m sure many urban parents wish that could happen to their local school after children in their community continuously fail to meet standards.

Now that everyone knows what a charter school is, it’s time to clear up some common misconceptions. First off, as mentioned above, a charter school is NOT a private school. It is a PUBLIC SCHOOL. I really want to push this point across so here it is again and again–

CHARTER SCHOOL = PUBLIC SCHOOL

CHARTER SCHOOL = PUBLIC SCHOOL

CHARTER SCHOOL = PUBLIC SCHOOL

CHARTER SCHOOL = PUBLIC SCHOOL

–ok, I think that six times in a couple of paragraphs is solid enough. The second and third points kind of piggy back on this public school notion. First, contrary to popular belief, charter schools do not have admissions policies. They can’t! Remember, it’s a public school! While some school may be geared more towards some groups (such as special needs, gifted, math and science, etc.), charters by law have to be able to take in and accommodate every child, just as a traditional public school does. What may be skewed as an admissions policy is really a waiting list. When you want to send you child to a charter school, there is limited space available, as the charter prescribes. This is a fact that will come into play a little later.

Second (or third, however you want to look at it), charter schools don’t charge tuition. Remember the public school thing? Yeah, comes into play here too.

OK, now that the background work is done, let’s talk legislation. YAY! House Bill 881, put forth by Rep. Jan Jones of Alpharetta. Here’s the gist of it: Charter schools are not getting their fair shake, either in authorization or funding once authorized. Numbers seem to back this up. This year alone, 17 charter schools have applied for authorization to local school boards, all but two have been denied. This really is no surprise. After all, this arrangement is like requiring the zoning for a Burger King being approved by McDonalds. HB 881 would change how authorization takes place. Charter schools would be able to go before an independent state level board for authorization. McDonalds would be circumvented. I like this idea. It takes politics out of the authorization process. It better allows for the fulfillment of a need, as wait lists at existing charter schools indicate there is, and it will inject the power of the market in the public school system. Traditional public schools will be forced to shape up or lose enrollment to charters that outperform in the same community.

The second aspect of HB 881 that I love is that of funding equalization. Right now, charter schools, a public school remember, inexplicably receive about 40% of the funding that traditional public schools receive. This is wrong, inexcusable, and a great example of politics in action. HB 881 would change that. State and local dollars would follow the children that they are intended for. Charter schools would receive 90% of the education dollars entitled to a child, with the other 10% being left to the local school district that previously educated the child to cover administrative costs associated with the transfer. The costs are thought to be about 3-5%, meaning the local school system would gain 5-7% of a child’s share of the cash without having to educate that child.

This is a bill that is good for not only charters and kids, but also for the taxpayers that fund the traditional public school system. Competition is not something to be feared, it is something to be embraced. Our education system can become leaner and meaner, producing kids with better educations and more marketable skills using less money if competition is injected.

If you like the sound of HB 881, let your representatives know!

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So, we are a little under a year from the 2008 presidential election and there are so many questions ahead of us. Do we have a real front runner (No)? Is Hillary electable (No)? Who will emerge from a crowded, undifferentiated GOP field (Who knows)? What will be the defining issue be (immigration)?

I think most of us can agree on one thing. It is definitely time for a change. Eight years of Bush has been about two too many. I know many of my more liberal friends will say that it has been eight years too many, but that is for another time. I was a supporter in the beginning, but the mismanagement and fiscal irresponsibility has to come to an end. While his effort of good faith regarding spending have been nice to see lately, it’s too little too late. We need a new voice to hear and a new face to look at.

Now let’s get down to it. We know who is who on each side. Hillary is pretty much pre-ordained on the for the Donks, but the field is wide open on the Right. There is division in each party. The GOP cannot decide a) if the socons (social conservatives) or econs (economic conservatives) will win out, b) how far to distance themselves from Bush’s disasterous record on immigration and energy, or c) if they will select the best candidate or the one that can beat Hillary. The Dems cannot decide a) who hates George Bush most, b) who can provide the biggest, grandest entitlement program at the expense of the smallest number of people, or c) who can most effectively bring “universal” health care to America (excuse me…..barrrf!)

So my question is: with all this division, where the hell is the independent, where is the serious third party candidate? I think most Americans are tired of all this silliness from both sides. If most people are like me, they don’t give a rats-behind about gays having legal and adoption rights, think it is wrong to provide illegal aliens with services that legal taxpayers pay for, think that our time in Iraq is coming to a close and we need a sane exit strategy that doesn’t endanger our stategic positions, and think that it is time for the government to get a handle on spending (well, for the talk of some of my leftward friends, maybe not).

So where is the independent? Where is the person that can provide alternatives to the red and blue. Where is the green candidate, the one that blends laissez-faire social policy with demands for fiscal conservatism, a smaller, more efficient government, and a smarter State Department?

If an alternative candidate is to emerge, this year is the year. Will it happen (Feeling is no, hope is yes)? Who could it be (Michael Bloomberg anyone)?

What do you think? Is this the year that an serious independent capable of winning a state or two will finally emerge to set us on the path to a greater plurality of parties? Or will we be subjugated to another election cycle of politics as usual.

I would love to hear some thoughts…

Will he run? Is he electable? Can he save us?

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OK, I’m sure you have all heard by now, Al Gore won the Noble Peace Prize. Big surprise. Here’s a few notes.

One, a Peace Prize for environmental awareness work? Explain. Explain to me how Al and the UN IPCC have helped stopped the genocide in Darfur, how they have limited conflict in Africa, how they have worked towards sectarian conflict resolution in Iraq—just throwing it out there.

Does this put him in line for a Presidential run? Even if it does, he has no shot. The machine is in motion. Hillary will be their nominee, barring a Howard Dean-esque meltdown. However, I do feel a little vindicated by the media for even suggesting it, as I brought it up at the beginning of the year.

Other notes are much better put by Patrick Michaels, who just happens to be a Noble winner from today as well. He is a Cato fellow and member of the UN IPCC. Check it out!

http://www.cato.org/pub_display.php?pub_id=8744

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I love it that there is now awareness to declare our independence from foreign oil. It’s good geopolitically and it’s good for the environment. While I am not a fan of fanatic global warming rhetoric, you all know my stance…stop spewing crap into the air, everyone will be happy.

But we need to think before we act. The recent energy bill was going to force oil companies to invest their “windfall” profits into alternative energies, like wind, solar, and ethanol. However, as in typical Dem and academia fashion, there was no thought into where that money will actually come from. Do you actually think that those companies will just give up those profits, no freakin’ way! Just watch the price of oil increase, it is simply economics. Thank goodness that amendment was defeated.

And another word of warning about ethanol-based fuels, like E85. This is a good in theory, bad in reality idea. There is the darned problem of increase in corn prices. A recent interview with a Nebraska farmer on CNN about the issue revealed the problem at the supply source: a stall full of feed corn last year cost this man $200. This year, due strictly to supply and demand increases, it cost him nearly $500. We are seeing it right now, as the R&D for this fuel is ramping up, food prices are rising steadily past the rate of inflation. I’m not discouraging the use of ethanol, but be careful what you wish for. Plus, at this point, the production of E85 is less efficient than the refinement of crude oil. Basically, you get less bang for your buck from ethanol at this point in time.

I think that these technologies are quite a few years off. Right now, we need to be concentrating and encouraging the building of refineries with the capability to transfer to cleaner technologies in 20 or 30 years when the cleaner, non-oil fuels are ready. I still like wind power, but I worry where it is all going to come from. The infrastructure is enormous in size and I have concerns of land values in populated areas. SoCal is the place the build these things, but will the people who paid $500,000 for a 3 bed house on 0.25 acres go for it? No energy source is without it’s issue until we can knock down the price and increase efficiency on solar or perfect and develop fusion power, we are going to have to be responsible and combine options. We also have to do it ourselves. I love the stat that if every house had one of the new high efficiency bulbs, we could power 400,000 more homes. Wow, just freakin’ wow. So I challenge everyone who reads this to do that. I have my whole house loaded up. Cost me $40-50 bucks. They will last 8 years and save me over $200 dollars per year minimum. And my whole lighting system is running on 99 watts, not 1100. That’s a big difference. Just a thought. This is a start to energy independence and independence from reactionary energy politics.

Check out the house in the picture posted here. That is badass, using technology to solve a problem. In fact, that is the definition of badass. Let’s get that down in cost so individuals can afford it. But until then, get the bulbs, enjoy the savings.

Just a stat that I read this week to leave you with: Did you know the evil oil companies only make 10 cents per gallon net on gasoline? Did you know that the Feds make 18 cents per gallon? Realize that oil companies put a s**t ton into R&D per year, more than you would believe.

By the way, Top Chef is a glorious show. Just glorious. God, I love food! They are updating old, unhealthy family favorites now. Awesome!!

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A tad old, but still a good one!

You know, I don’t know if a giant concert with seven cities having unbelievably energy-inefficient stages lit and firing away for hours on end is the best way to fight climate change. Promoters say it is to raise awareness. Look, people in the Western world are aware. We never hear the end of it. Why don’t we put that money and energy into more productive things.

How about screwing musicians and putting that money, effort, and “carbon footprint”, which is huge by the way, and no matter what people say, it won’t have much of an effect — remember FarmAid, the African concerts, yeah, same idea, the result will be the same. People will not turn off their cars, you will not see a gradual, less a mass exodus from the suburbs to cities, you will not see people turning off the TVs and computers. These are habits, they need to be changed in other ways than a rock concert. Like everyone listens to freakin’ Bono, yippee. And I am so glad that Madonna with her private jet multicar entourage can sing a song, look like a whore, and lecture me on how to reduce my carbon footprint and be a good world citizen.

But enough bitching, I am a solutions man. So how about this. Ticketholders, donate to a cause, because presumably you are all there because of your deep moral feelings on the issue. How about donating to or starting organizations like Trees Atlanta, or encouraging initiatives in rooftop greening, such as planting trees, shurbs, and grass on rooftops. These are measures that should help with the urban heat island phenomenon seem here in Atlanta and in cities all over the world.

Another solution would be putting funds together to investigate and start-up light rail systems, from suburbs to urban areas. And let’s do this in the private sector, with a little government oversight, just to help keep costs down. The private sector is key. When people invest, they get rich when businesses succeed, so there is incentive to ride, incentive to innovate. More importantly though, let’s use those resources to get the message across where it may have not been heard before, Asia and Africa. Let nip an emissions or “climate change crisis” ( I feel dirty speaking like that) in the bud. Raise awareness there on a smaller scale. Change the norms in emerging nations, hit that first generation of industrialites, set the bar for future development.

Bottom line, we need to change habits and innovate, then share and spread that knowledge with Asia and Africa. China pollutes more than anyone, sorry to break it to everyone, but the US can no longer be the sole bearer of responsibility. India is not far behind. Let’s change that. Let’s begin initiatives that are 50 years too late in the West and use these same ideas over there before it gets bad. I had an idea that fizzled in my words there, but I think you get where I am going.

The answer is not in prohibitive climate treaties that are mearly a band-aid and a promise that no one can or will keep (see Kyoto Protocol). It is not in mandating companies in one industry spend their profits on advancement of another instead of improving their own (see big oil and “windfalls” mandated for use in alternative energy research). It is not about rhetoric from politicians, or carbon offsets, or legislative mandates. It is about you, me, and the guy next to you. The answers lie in planting a tree, cooling our cities, using less energy, installing a few curly lightbulbs, telecommuting a few more times, piling into the car to go out like when we were in high school. If everyone that can do this does, we win in the long run. You must demand change from the private sector, that is what is will make bigger industry change. The market works, let’s make it work for us.

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After a few days of moving into a new place, I have a few spare seconds to throw some thoughts on global warming out there. Is it happening? Yes. Is it 100% human caused? No. Alarmist and politically motivated? Absolutely!

Most of the global warming fears out there I see as a whipped up by fanatics or people with an interest in either:
A) Running for public office on an issue that they know will make them look like a compassionate good guy, while at the same time praying on the ignorance and boob-tube addiction of the American people (i.e. Al Gore).
B) The swift demise of the American economic machine (i.e. old school socialists and “progressives”).

I remember having a book given to me in elemenatry school called “50 Ways Kids Can Save the Environment” or some nonsense like that. It was basically and indoctrination book into the Church of Global Warming….excuse me, Global Climate Change. I recall even as a youngster wondering what all the fuss was, why there was a hurried, fanatic pace to limit environmental effects at that time. Where was it before–and it disappeared after. Looking back in copyrights and in recollection, it was late 1991, early 1992 — the middle of the 1992 presidential campaign. And those crazed concerns have disappeared until last year when Al Gore turned a slideshow into a self-serving “documentary”.

Look, I have no issue with trying to preserve the environment more effectively. None at all. If anything, I am more in favor of environmental controls than most with my economic and social beliefs. HOWEVER…why now? What spawned this? Why is the urgency here now? I think that some of the ideas being put out there are for dramatic TV news effect. I think Al Gore is going to run for president and is using this very serious issue to boost poll numbers. I think that this is a time in which alarmists are seizing on the ignorance of the public and the inability and unwillingness of people to do some of their own damn research on a subject.

Here is an interesting article looking at “faith-based” global warming, by an esteemed MIT meteorologist:

To close, I hope this inspires some thoughts and talk. I say, as I always do, be leary of what you see on TV or in the news. Get things from multiple sources. While Al Gore may say that we are at an irreversible point and that now is critical and we have to pass legislation that will cripple our manufacturing and other economic capacities, science points to otherwise. Many, many, many scientists who have dedicated their lives to climate research dissent and call the Gore-types alarmist, as do I. I believe scientists, not politicians. I urge you all to do the same. Regardless of your views, I hope that you find the article linked to above interesting none the less.

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**Disclaimer: no matter what you read into this, I am not a proponent of police brutality or the 1984 state. In fact, I would like to see this silly war on drugs go away. I just cannot stand the pastime of race pimping. Plus I really feel for the Junniers.**

Someone explain this to me. Remember the old woman whose house was raided for drugs on a bad tip that was killed by officers in Atlanta back in November? Remember the outrage that how dare do narcotics officers do their job? Screw them all. I am so furious that three officers were indicted on admittedly fluffed up charges — it is sickening. Al “douchebag” Sharpton and his deliciously unimportant, attention-whoring associate “The Reverend” Markel Hutchins were able to take down another white person (three) and cops at that. What an accomplishment.

Look, I am not negating this woman’s death. It was unnecessary, tragic, and downright sad. But hindsight is absolute. Let’s take a look at this through the eyes of the cops along the timeline. First, they arrest a guy who gives an address (fake of course), where he scored coke. He obviously did this to get some sort of preferential treatment, as this was naturally a multiple offense situation. They then contact a past informant and obtain the no-knock warrant based on this information. Keep in mind that at this point they have NO CLUE that this is not a drug house and that some old woman lives there.

Then they serve the warrant. They have to take off bars to get in, which is fine and dandy under the no-knock. Hell, they made noise, which startled this woman bless her heart and she got the gun she owned and started firing, hitting the cops multiple times, one man I know definitively at least 3 times. Again, keep in mind, that there is NO WAY IN HELL they know it is a 92 year old woman firing the shots and not a druglord protecting his stash. Even under the pansy UN rules, they cops can and do return fire, killing the woman. Only then do they find out that it was an elderly woman firing at them and that there were no drugs, computers, or cash in the house. Naturally, all the narc cops are put on administrative leave, as is customary and correct. However, this case and investigation takes a fun twist when the informant, a convicted felon and drug dealer mind you, runs from custody screaming that the police told him to lie. Hold the phone, who you gonna believe, a bunch of generally good cops or the slimeball of a felon? That’s yours to decide, but I believe the cops.

For this hindsight examination, the cops are going to jail (I know two have copped pleas, but the nature of which I’m not sure right now). They did what they are told to and trained to do, based on bad info and now they are going to jail for felony murder. I have heard one report say that the senior officer, a man with whom my family is acquainted with, closely at one time, Gregg Junnier will do 12 years minimum. Boy I hope that isn’t true. This guy is a good man, a family man with two great kids and a strong wife. He was a narc cop for many years and is now being thrown under the bus for the sake of the race pimps.

This woman didn’t have to die. It was a tragic mistake. However, should a police officer with a clean record and two kids have to pay with 12 years of federal prison time for a mistake that, while he led the team, he did not personally falsify any documents, he did not lie to investigators, he has cooperated at all times? I think this is a price too high.

What kind of world are we letting these shitheads create? This is my very emotional, tainted view. I will not argue these points.
1) Al Sharpton and Markel Hutchins have sacrificed a good man and a good cop at the alter of race.
2) Al Sharpton and Markel Hutchins took advantage of a sorry, awful situation for their own gain, to get their names in the paper, to help pay the bills.
3) Two great kids and a dedicated wife will miss their father for possibly 12 years not only because of a mistake (which by the way he and his team should be punished for, but not with felony murder), but I believe because he was born a white man. Because he is a white cop.
4)People like Al Sharpton and Markel Hutchins are creating a greater race problem in this country than they are helping. They are bullies who use race as a method of suppressing others. The fact that the word Reverend is in front of their names is a disgrace.
5) The media eats it up because of who is involved. Realize that while one woman is unnecessarily dead here, there are at least 7 lives that are changed forever (I cannot speak about the other cops families, just the one I am familiar with). I firmly believe that had this been a white woman, no one would have said a word.
6) I cannot believe that hindsight has indicted these men.
7) We are letting demagogues like Al Sharpton, Markel Hutchins, and Jesse Jackson shape public policy and influence public reaction.
The public believes what they are told to believe through the media. The media is tainted, the public is blind.

A final thought and another shot at race pimps. My roommate has a sticker in her room that says “Erasism”, referring to the desire to erase racism. How can we become color blind when it is referred to on a daily basis? How many “xxxx History Months” are there? How many times is someone the first xxxx person to do something? How many times have “reverends” paraded out victims of some “atrocity” and “obvious act of blantant racism”? This is what has to stop. I commend Al Sharpton for fighting for what they feel to be a worthy cause. However, instead of actually doing something useful, they pimp it for attention and defame the names of many times non-racist, normal people. Martin Luther King was a civil rights leader. Hosea Williams was a civil rights leader. Al Sharpton is a race thug in a reverend’s body. Stop giving these guys attentions gets us closer to “erasism”.

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(The grandest of all race hustlers. In my view, according to Websters dictionary, he has incited more racism that many modern white people could ever muster.)

Well, I have been avoiding this story all week in my playoff excitement, but I feel it has to be addressed. Don Imus. Who is this guy. Why have I been a hardcore political follower and blogger for almost 7 years and never heard of this guy? My impressions upon research (never trust the media, you know)—he is a dimwitted, cynical old man who makes bad, race-based, orientation-based jokes.

For those of you who don’t know, my impression is that Don Imus was a primarily liberal talk show host (probably why I never heard of him) who called the girls on the Rutgers’ basketball team “some nappy-headed hoes”. That’s the bad joke. For this, however, the man lost his job. HE LOST HIS F@#$IN’ JOB!!

Let me say that again: HE LOST HIS JOB!!
HE LOST HIS JOB!!
HE LOST HIS JOB!!

Are you kidding me? The man lost his job for doing his job, which, whether you realize it or not, is to vocalized every thought that comes to his mind. Deplorable, disgusting, disheartening, yes. Grounds for termination, no. Both MSNBC and CBS caved to the pressure of race pimp grande, Al Sharpton. Further showing what an idiot Imus is, he went on Sharpton’s radio show and grovelled for forgiveness. Naturally, this wasn’t enough. He needed to be eliminated. The MTP (Morality and Thought Police) and the chief is the riot inciting, douchebag of a “black leader” that is Al Sharpton.

Everyone should be pissed about this. What says you are not next. Next time you have an intemperate thought, who says you are not next. Where will it stop? And a greater, more currently pertinent question, when the f*** did Al f****in’ Sharpton become the grand pumba of what is right and appropriate to be broadcast on the airwaves (can you sense my disgust for this pissant of a man, someone who benefits from others misery)?

Ah, I can’t even get my thoughts together on this one. Bottom line:
1) Don Imus is an idiot, senile old man — not a racist or sexist. He is a bad joke composer.
2) Al Sharpton is a scourge to African-Americans and is, in general, a complete race pimping douche.
3) We are all next. Maybe not today or tomorrow, but soon. Political correctness is sucking the soul out of society. The precedent has been set. It is not publicly acceptable to be fired for saying something that “offends” or is disagreeable to someone. WE ARE NEXT. It’s the old trickle down effect. It works in economics, and it will work socially, unfortunately.

By the way, this is education time. Next time you hear some idiot bantering around racist, sexist, etc., use 2nd grade skills and think of the definitions. These are from the source, Merriam-Webster. Don’t belive me, look at it for yourself.

Racist:
1 : a belief that race is the primary determinant of human traits and capacities and that racial differences produce an inherent superiority of a particular race.

Sexist:
1 : prejudice or discrimination based on sex; especially : discrimination against women
2 : behavior, conditions, or attitudes that foster stereotypes of social roles based on sex

I say that in no way was Don Imus a racist based on that definition (after all the team wasn’t all black and the condition of the ladies hair certainly doesn’t presume they are inferior), but he may be sexist in this comment. Just remember that we cannot overarch and make a generalization on his character based on one intemperate thought.

What do you think?

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Are cash advance loans really that scary? Do they end up helping some people that are in need of financial assistance? Probably… I mean there are exceptions to every rule. I’ve only read and heard horror stories about payday loans and how they are out to get you. I will never apply for a payday loan (at least I hope so), but for some people it could possibly get them out of a rut if they end up paying the loan back in full on the day it is due. People need to always read the fine print and always plan ahead. If you ever end up applying for a payday loan, paying it back immediately needs to be your top priority. This should be a last resort and make sure you have exhausted all other types of financing (i.e friends, family, neighbors, and trying to be beggar on the streets).

I just received a new advertiser on eFIPO and decided to write a quick blurb about payday loans. They have allowed me to write my personal feelings on payday loans without any type of censoring.

The following statements are not mine and they belong solely to National Payday.

Cash advance loans, also known as payday loans, can be a necessity in a financial crisis. You may be forced to give up your paycheck to take care of emergency bills or the stress of living paycheck to paycheck is just too stressful at certain times of the month. There are several excellent finds on online for cash advance loans. You will be able to find many options from the comfort of your own home.

A cash advance is so simple to do over the Internet and many online lenders offer free cash advance loans to people who are using the service for the first time. This can save you a lot and make the process of getting a cash advance cheaper and easier. The process is a breeze and it only takes a few minutes to fill out your online application. All you have to do is show that you are 18, have a job and a checking account and you can be approved within minutes. The money can be in your checking account within 24 hours and your stress will be relieved. If you find that you have extra cash come in, you can pay your loan early on online or allow the lender to withdraw the amount on the loan’s due date.

Borrowing money has never been easier and thanks to the Internet it is as simple as ordering something off of eBay. You don’t even have to leave your house or be seen walking into a payday loan lending office, which is often a concern for some people.

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I’ve seen a lot of things in my life, but I truly think this one takes the cake. One of my good friends has been dating the same girl for nearly seven years and still has not popped the question. After thinking about it for sometime, I decided to ask him what the deal was. He told me that he doesn’t want to get married because of all his financial insecurities. He feels that he would have to devote more of his finances to keep the relationship together such as: the ring, going out to dinner more often, buying flowers, purchasing gifts for her family and so on. The dumbest part of the whole story is he actually makes some pretty good money for a recent college grad. He doesn’t have any overwhelming amounts of debt and saves more than most of his friends. He loves the girl for sure and doesn’t want to pay for all of the extras that come along with marriage. 

This issue has probably happened to someone you know. I honestly feel that being too cheap can seriously damage your thinking. Not wanting to get married because you don’t want to have to pay for plane tickets to see her parents, is just plain dumb. Some people just need to grow up and realize that this is a part of life. I would totally understand if he didn’t have a high paying job or he had a huge mound of debt, but he doesn’t. Some may say he has cold feet, but I know him and he is just being cheap.

Do you have any friends that are just too cheap for their own good?

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