Humidity in Michigan

Michigan is one of the States in the US that experiences a humid climate during the summer season. Summer season means a hot climate in the entire region of Michigan despite being bi-peninsular in nature. The state of Michigan is divided into two regions namely the southern region and the northern region. It is also divided by the lower and upper Peninsula.

The southern region along with the lower Peninsula experiences lower humidity compared to the northern region and upper Peninsula. The southern region experiences warm climate and humidity during summer can be very high. It does experience a shorter winter compared to the northern region where it experiences longer and colder winter. Unlike the southern region, the northern region experiences a warmer climate and higher humidity during summer. The northern region with the upper Peninsula experiences extreme weather conditions as it is hotter in the summer and colder in the winter.

The state of Michigan has eight strategic places where the average humidity is being measured yearly. This is done to provide necessary information for the local residents of each place and its neighboring community to take the necessary precautionary measures from possible heatstroke and other ailments due to the rise in temperature and humidity. The eight strategic places where humidity is being measured for data collection are situated in Alpena, Detroit, Flint, Grand Rapids, Houghton Lake, Lansing, Muskegon and Sault Ste Marie. Daily readings that are averaged in a 24-hour basis are taken every 3 hours. The reading in the morning is set at 7am and an afternoon reading is also taken which is set at 4pm.

Listed below is a short summary of the annual average humidity in the state Michigan according to the 8 strategic points where humidity measurement is recorded. The numbers represents the percentage of humidity measured and recorded. It is arranged as daily reading, morning reading and afternoon reading respectively.

For Alpena’s average humidity during the day is 74 while the morning reading is 83 and afternoon reading is 60. For Detroit’s typical reading is 71 while AM and PM reading are 81 and 58 respectively. For Flint’s daily reading is 72 while AM and PM reading are 82 and 59 respectively. For Grand Rapids’ daily reading is 73 while AM and PM reading are 83 and 60 respectively. For Houghton Lake’s daily reading is 75 while AM and PM reading are 85 and 61 respectively. For Lansing’s daily reading is 74 while AM and PM reading are 84 and 61 respectively. For Muskegon’s daily reading is 73 while AM and PM reading are 81 and 63 respectively. And for Sault Ste Marie’s daily reading is 77 while AM and PM reading are 85 and 66 respectively.

Bradshaw/Montana No Show

Ok, so usually something like this wouldn’t bother me – but the more I got thinking

about it, the more steamed I became. All but three living Super Bowl MVP’s were

present for the Pre-Game Ceremony. Those players were Terry Bradshaw, Joe

Montana, and Jake Scott. Oh, Jake Scott was traveling in Australia and could not

make it you say? Well were Bradshaw and Montana with him? No, they weren’t! Wait,

did you say they were both in Detroit at some point last week. What could have

happened that would have kept them from attending a Ceremony honoring a game

that has been both good and lucrative to them – let’s see:

1.) Death in the Family – Nope not that, I called and spoke with every immediate

member of the Bradshaw and Montana family and all alive THANK GOD!

2.) Sickness – Nope, not that either. These were two of the toughest players ever

to suit so there was no way a cold would have kept them from that

So then what is left? I’ll tell you – MONEY! Bradshaw and Montana declined coming

to the Super Bowl because it did not pay enough. Who do they think they are, Ted

DiBiase? Not even close – They are two guys who owe at least showing up to a sport

that has made them, if nothing else……FREAKIN LOADED.

Joe Montana reportedly was asking for $100,000 dollars as an appearance fee. That

is $99,000 more than Steve Young received for showing up and although I believe

Montana was a better QB, he wasn’t 100X better!

Terry Bradshaw – 4 time SB Champion – 2 Time SB MVP….NO Show! Although he

didn’t come out and say it’s about money….it’s about money. Bradshaw is one of

the highest paid Motivational Speakers in the country so he is paid big time to show

up at events. Here is the kicker – He was in Detroit appearing that week to talk to

some group. Oh, another thing I just remembered, The Steelers were in the Super

Bowl! Nice Terry, way to support your team….ASS!

People talk about today’s athlete and how it is only about the money and how the

athlete of yester-year did it for “The Love of the Game” Well Jerome Bettis, modern

athlete, showed up to play the game he loved while Bradshaw and Montana, well…

you know.

Henri Richard Helps Gordie Howe Tie Maurice Richard’s All-Time Goal Scoring Record

Maurice Richard’s career spanned from 1942 to 1960 and in that time won the Stanley Cup eight times and won the Hart trophy as the NHL’s most valuable player in 1947. He set numerous scoring records, including being the first player to score 50 goals in 50 games, and the first player to score over 500 career goals. Maurice Richard finished his career with his final Stanley Cup win in 1960 and 544 regular-season goals.

There was only one player at the time, who was close enough to break Richard’s career goal record, and of course that was Gordie Howe, who was still playing long after Richard retired. In fact, it only took a few years for Gordie Howe to creep up to that number, as it seems Gordie Howe had hit his prime in the early 60s.

An interesting game brought this record into the forefront as the Detroit Red Wings hosted the Montréal Canadiens in the Olympia in Detroit on October 27, 1963, more than four years after Maurice Richard’s retirement. However, Maurice Richard’s younger brother, Henri Richard was in the game and played a pivotal role in allowing Gordie Howe to tie Maurice Richard’s record.

The Montreal Canadians were playing shorthanded as John Ferguson, who was sitting in the penalty box and Gordie Howe was on the power play. Henri Richard, who was always somewhat of a defensive specialist was one of four Habs killing the penalty. During the play, the Pocket Rocket was either called to the bench, or assumed he was called to the bench and therefore stepped into the Habs door. However, there was some confusion, and he was not replaced on the ice, leaving the Montréal Canadiens in a five on three situation, backing up into their own zone. Gordie Howe had the puck and worked his way around Gilles Tremblay and scored on his old friend Gump Worsely.

Needless to say, the fans in Detroit went ballistic, and I’m sure nobody felt worse than Maurice’s at younger brother, the Pocket Rocket – Henri Richard.

"Hitzville" Star Jin-Jin Reeves Brings Motown To Las Vegas

In the early 60’s when music was having another resurgence, it took the vision of one innovative music producer to start one of the biggest record labels in history. This development also lead to one of the most distinct musical styles in the country. Motown records was started by legendary music producer Berry Gordy. Based in Detroit Motown Records brought a distinct R+B sound to the radio that a lot of people had not heard at the time. Big bands, jazz grooves and unique voices all blended together to bring a brand new sound to the airwaves. It was here where music legends Diana Ross, Glayds Knight, Tina Turner got their start and eventually lead them to worldwide fame.

It was this sound and this style that influenced a young Jennifer (Jin-Jin) Reeves. At a very early age Jennifer displayed a natural talent for songwriting, dancing and singing. It wasn’t until she was a teenager that she began to study acting to further expand her artistic abilities. As all of this going on, Detroit was experiencing its own artistic peak giving Jin-Jin the perfect chance to break out and make a name for herself. It wasn’t long before she focused on singing and eventually made it her profession. She began to garner a lot of attention from music legends such as Gladys Knight and Berry Gordy. The Julliard School also took note of what Jin-Jin was doing. After years of perfecting her craft, Jennifer started to share the stage with the likes of The Temptations and Barry White. After appearing in countless stage productions and even an appearance on the American Music Awards, Jennifer “Jin-Jin” Reeves had arrived. Her well-rounded talents make her one of the best all-around entertainers in the business. It is these attributes that landed her the lead roll in one of the hottest Motwon revue shows on the Las Vegas Strip, “Hitzville: The Show”

“Hitzville: The Show” takes all the best of that classic Motown sound and brings it directly to the Las Vegas stage. That soulful R&B sound. A live band takes you on a musical journey with some of the biggest hits of the Motown era. Jin-Jin Reeves provides us with a beautiful representation of some of the biggest stars of Motown from Diana Ross all the way to one of her influences, Gladys Knight. The show features a live band, a cast of dancers and of course Reeves as the leading lady. The show even received a standing ovation from Motown founder Berry Gordy, himself. Whether you are a Motown fan or are looking to expand your musical tastes, “Hitzville: The Show” has something for everyone.

Brett Favre’s Backups – Through The Years

Often times when a great player plays quarterback for one franchise for a very long time it is interesting to look at who played backup for him. Who developed into a starting quarterback of their own? Who had started at other places but was winding their career down here? Here we look at Green Bay Packers quarterback Brett Favre’s backups through the years.

1992: Brett Comes To The Green Bay Packers

Backup: Don Majkowski (University of Virginia)

Majkowski had started for the Packers earlier in his career and later on would start games for the Indianapolis Colts, he would also appear in a few games for the Detroit Lions.

1993: Brett’s 2nd Year

Backup: Ty Detmer (Brigham Young University)

Detmer won the Heisman Trophy playing QB for the BYU Cougars and after backing up in Green Bay in 1993 and 1995 he would go on to start games for the Philadelphia Eagles in 1996 and 1997. He would also see playing time with San Francisco, Cleveland, and Detroit.

1994: Brett’s 3rd Year

Backup: Mark Brunell (University of Washington)

Probably the quarterback that played behind Favre and went on to the most success (so far), Mark Brunell would later start games for the Jacksonville Jaguars and Washington Redskins. Brunell made numerous Pro Bowl appearances, and in 1996 he led the league in total passing yards. Brunell also currently ranks in the all-time top 25 in the following categories: Passing attempts, passing completions, and passing yards.

1995: Brett’s 4th Year

Backup: Ty Detmer – See Above

Backup: Jim McMahon (Brigham Young University)

McMahon had already been a starting quarterback for most of his career and had won a Super Bowl with the 1985 Chicago Bears. He would also be a sometime starter with San Diego, Philadelphia, and Minnesota. He also spent time with the Arizona Cardinals briefly before spending his last two years in the league backing up in Green Bay.

Backup: T.J. Rubley (University of Tulsa)

Rubley had starting experience with the Los Angeles Rams in 1993 but his time with the 1995 Packers would be his last in the NFL.

1996: Brett and the Packers win the Super Bowl

Backup: Jim McMahon – See Above

Backup: Doug Pederson (NE Louisiana)

Pederson would go on to see time as the starting quarterback with Philadelphia and Cleveland in 1999 and 2000 respectively before returning to be the backup in Green Bay again for the 2001 through 2004 seasons.

1997: A Super Bowl Loss

Backup: Doug Pederson – See Above

Backup: Steve Bono (UCLA)

Bono had prior starting quarterback experience for both San Francisco and Kansas City. Earlier in his career he had backup experience with both Minnesota and Pittsburgh, and after this one season in Green Bay he would spend two more years in the league (backing up for the Rams and the Carolina Panthers) before retiring.

1998: Brett’s 7th Year and Mike Holmgren’s last year as the Packers head coach.

Backup: Doug Pederson – See Above

1999: Brett’s 8th Year and the one and only season Ray Rhodes was the head coach.

Backup: Matt Hasselbeck (Boston College)

Hasselbeck would go on to play for Holmgren in Seattle and lead the Seahawks to the Super Bowl, only to lose to the Pittsburgh Steelers.

2000: Brett’s 9th Year and Mike Sherman’s first year as head coach.

Backup: Matt Hasselbeck – See Above

2001: Brett’s 10th Year

Backup: Doug Pederson – See Above

2002: Brett’s 11th Year

Backup: Doug Pederson – See Above

2003: Brett’s 12th Year

Backup: Doug Pederson – See Above

2004: Brett’s 13th Year

Backup: Doug Pederson – See Above

Backup: Craig Nall (Northwestern State)

Nall would throw for four touchdowns in his only action in the NFL during this season. He would go on to backup Favre in 2005 before spending one final year as a backup in Buffalo.

Backup: J.T. O’Sullivan (University of California-Davis)

O’Sullivan saw no action for Green Bay other than two late game kneel downs, he didn’t see any playing action at all in 2005 or 2006, but has gotten on the field for the Detroit Lions during the 2007 season.

2005: Brett’s 14th Year

Backup: Craig Nall – See Above

Backup: Aaron Rodgers (University of California)

Rodgers is the current backup for Brett Favre and has been labeled the heir-apparent to take over after he retires ever since the Packers drafted him.

2006: Brett’s 15th Year and Mike McCarthy’s first season as head coach of the Packers.

Backup: Aaron Rodgers – See Above

Backup: Ingle Martin

Martin made it into the game for the final game of the year and handed the ball off one time and took two kneel downs.

2007: Brett’s 16th Year

Backup: Aaron Rodgers – See Above

There you have it, Brett Favre’s backups through the years. This is by no means definitive and focuses primarily on the quarterbacks who not only were on the roster but made it into the game at some point during the season.

A few observations:

Twice Favre had backups from small colleges in Louisiana (Favre’s home state), with Doug Pederson being from Northeast Louisiana and Craig Nall being from Northwestern State.

The Packers have had two different ex-BYU quarterbacks backup Brett (Jim McMahon and Ty Detmer). The quarterback who spent the most years as Brett Favre’s backup was Doug Pederson and he did it in two separate stints with the team (1996-1998 and 2001-2004).

Brett Favre himself was drafted by the Falcons, only to play sparingly and then be traded to the Packers in 1992. In 1993 the Packers drafted Mark Brunell who played sparingly for them and was then traded to the Jacksonville Jaguars where he went on to star for many years. He is one of the most durable quarterbacks the league will ever see, and these were the guys who backed him up.

Despite Trend Toward Pension Freezes, Fund Administrators Increasingly Confident in Sustainability

The Archdiocese of Philadelphia recently announced that it will freeze its traditional pension to keep the plan’s estimated $150 million deficit in check and shrink it over time. The Archdiocese’s current plan, known as a “defined benefit plan” because it guarantees certain benefit levels to participants, held $478 million in assets June 30, 2012, about 76 percent of the $630 million it needs to meet anticipated long-term obligations. Defined benefit plans are commonly called “traditional pension plans”.

The change will be effective June 30, 2014, after which time almost 8,500 current employees of the Archdiocese of Philadelphia-including parochial school teachers, church office workers, and other lay employees-will no longer be able to accrue benefits under the plan. Instead, a 401(k) style plan will be offered in its place.

In recent years, freezing of pensions has taken hold as a viable approach in many nonprofit and religious sectors. For example, archdioceses in Boston, Chicago and Minneapolis-St. Paul have placed freezes on their traditional pension plans for lay employees. Also, a national trend points to more employers offering retirement plans that establish a contribution rate, as opposed to plans which guarantee a pension benefit upon retirement.

The City of Detroit’s emergency manager, Kevyn Orr, proposed a pension freeze as part of a broader strategy to get the city out of bankruptcy. Orr argues changes are necessary to stabilize pension funds, which he says are underfunded by $3.5 billion, for current workers and those nearing retirement. His proposal aims to reduce Detroit’s staggering legacy costs to help resolve about $18 billion in long-term debts and liabilities overall.

Under the proposed plan, about 9,700 current city workers, including police and firefighters, would be affected. As of January 1, city workers could enroll in a 401(k) style account, and the city would contribute 5% for non-uniformed workers and 10% for police and fire. Workers also could deposit their own money into the accounts. As part of the proposal, employees who were not yet completely vested in the city’s pension plans (8 to 10 years depending on the position), would have their pension service credits erased at the end of this year. However, any money they contributed in the past from their paychecks would be repaid and placed in an annuity account.

Pension reform is not easy to tackle, as the state of Illinois has painfully found out. Underfunded by $100 billion, the state’s pension liability is causing cuts in funding for other state services and is a key reason why credit downgrades have left Illinois at the bottom of ratings among U.S. states.

On December 5th, Illinois Governor Pat Quinn signed into law an ambitious financial, legal, and political effort to reinvigorate the state’s falling credit ratings and unstable economy.

Taking effect June 1, 2014, the new law aims to save $160 billion over the next thirty years by curbing cost-of-living increases to retirees and requiring many current workers to abstain from up to five annual cost of living bumps when they become retirees. It also will boost the retirement age for current workers by up to five years.

Governor Quinn states that the law is a sign that “Illinois is moving forward.” Both union representatives and Republican Party members, however, are less optimistic about the law’s implications.

The GOP and Democrats are presently debating the constitutionality of the new law. At issue is a clause in the 1970 Illinois state constitution which states that public pensions are enforceable contracts with benefit that cannot be diminished or impaired.

In order for the law to be considered constitutional, employees would need to give 1 percentage point less to their salaries, and pension systems would be allowed to sue to force the state to pay the mandatory employer share to retirement. Also, a limited number of workers could join a 401(k) style defined contribution plan. Whether or not Governor Quinn’s new law is constitutional is up for the courts to decide.

Even though the focal point of pension reform has been on freezes, public pension plan administrators are increasingly upbeat about their funds’ outlook as well as their readiness to address future retirement concerns, a new survey by the National Conference on Public Employee Retirement Systems (NCPERS) reveals.

The 2013 NCPERS Public Retirement System Study also shows continuing financial strength for public funds, with ongoing improvement in long-term investment returns.

In conjunction with Cobalt Community Research, NCPERS surveyed 241 state and local government pension funds with more than 12.4 million active and retired members and with assets exceeding $1.4 trillion. For the first time, NCPERS included nonmembers’ responses.

Noteworthy findings from the research coalition’s survey include:

· There is a slight uptick in confidence among public pension plan administrators about their ability to address future retirement trends and issues.

· Returns on long-term investments continue to rise. Three-year investment returns were 10 percent, up from four percent in 2012; 10-year investments were seven percent, up from five percent in 2012; and 20-year investments remained steady at eight percent, versus nine percent in 2012.

· The overall average expense to administer public pension plans and to pay investment manager fees drastically decreased from the 2012 level of 73.1 basis points to 57.3 basis points (100 basis points is equal to one percentage point).

· Public pension plans are taking a number of steps to strengthen funding levels, including:

1. Lowering the actuarial assumed rate of return

2. Raising benefit age and service requirements

3. Tightening retiree return to work rules

4. Shortening amortization periods

5. Lowering the number of employees receiving health care benefits

· Overall, funds reported domestic equity exposure at 35 percent, down slightly from 36 percent in 2012. International equity exposure remained steady at 17 percent. Over the next two years, funds plan to increase allocations to international equity, domestic fixed income, private equity, and hedge fund investments, slightly reducing domestic equity.

· The average funded level of all responding public pension plans was 70.5 percent. Among NCPERS member plans, the level was 71.5 percent, less than 2012’s figure of 74.9 percent. For non-NCPERS plans, the level was 69 percent. Lowering the actuarial assumed rate of return and market volatility were the two most noteworthy reasons for the decline.

According to NCPERS Executive Director and Counsel Hank Kim, Esq., survey results run counter to what public perception of pension funds has been.

“What it tells us is that despite the hyperbole of some high-profile politicians, public pension plans are not in crisis. To the contrary – they are alive and thriving, more than adequately funded, inexpensive to operate and sustainable for the long-term,” he said in a NCPERS news announcement.

December, 2013

Project Khan’s LR2 with Land Rover Performance Kit

Kahn Design has recently shown their all-new project Khan Freelander 2 on their web site but for some unknown reasons the link was removed. Various speculations are coming out on why the link was removed and one of which is that maybe the vehicle was supposed to be held secret until after the Detroit Auto Show. Another reason that is being looked into is the fact that the body kit showed on the link is actually from the Land Rover factory performance parts catalog.

Land Rover has not made any official statement regarding the new Land Rover Freelander 2 but the Rover shown by Khan Design might be the rumored LR2 Sport. But of course we will know that for sure after the Detroit Auto Show.

The project Khan Freelander 2 adds 20″ RS-C alloy (or chrome) rims and a few changes on the exterior as well as the interior features. The interior is provided with leather seats, word steering wheels, revised trim (with some optional high gloss grand Black Lacquer Finish) and of course it will not be complete without its in-car video entertainment system.

Khan Design’s Freelander 2 also uses the new Land Rover Freelander 2 factory performance body kit which is not yet officially introduced yet by Land Rover but most UK dealers have them already in their showrooms and are being offered with the rest of high quality Rover Freelander parts.

Land Rover Freelander 2: Second Generation

Land Rover Freelander 2 has made its world debut at the 2006 British International Motor Show. It will be sold in Europe retaining its original Freelander nameplate but will be marketed as Land Rover 2 in North America. And following its official debut there was an exclusive presentation for journalists held at the Kensington Roof Gardens. There were also some celebrities present at the Roof Gardens.

The all new 2008 LR2 is going to be offered in the US for a base price of US$34,700.

The second generation Freelander was derived from the Ford EUCD platform which in turn was taken from the Ford C1 platform. The EUCD platform was also used on the new Ford Galaxy, Ford S-Max and for Volvo S80 and for other upcoming lines of Volvo and Ford vehicles. New engine range will also be offered for the Freelander featuring transversely mounted 3.2 I6 engine of the Volvo S16 series which has made its debut in the new Volvo S80. The 2.2 DW12 common rail turbodiesel engine was also co-developed by Ford and PSA is expected to be equipped on the Freelander.

The Land Rover Freelander 2 is also expected to be manufactured alongside the Jaguar X-Type at Halewood near Liverpool. And unlike previous Land Rovers the new Freelander will have features such as better ground clearance and greater off-road capabilities.

Motorsports Racing Legacies – Marshall Teague and Hudson Hornet Dominate Tracks in Early 1950’s

Marshall Teague and the Hudson Hornet

February 11 was a big day for the car and the driver. On that day in 1951, NASCAR driver Marshall Teague drove a Hudson Hornet to victory in the 160-mile Daytona Grand National at Daytona Beach, Florida. It was a preview of things to come for both. The Hornet had an innovative “step down” chassis design, and lower center of gravity which improved handling. In 1951, the manufacturer outfitted the car with a bigger engine. The Hornet was a powerhouse on the NASCAR circuit until 1955, when rule changes emphasized horsepower over handling.

The Hudson Motor Company

  • Founded on February 24, 1909 by eight Detroit businessmen

  • Company was named after J.L.Hudson, a Detroit department store entrepreneur and one of the original founders.

  • Roy Chapin, Sr., the investor with the industry experience, had been a young executive with Ransom E. Olds.

  • In 1929, Hudson produced 300,000 cars, making it the third largest car maker in the U.S

  • On January 14, 1954, Hudson Merged with Nash-Kelvinator to become American Motors.

  • In the 2006 animated feature, “Cars”, Paul Newman provided the voice for the character, “Doc Hudson”. Doc was once known as the Fabulous Hornet, with a record for the mosts wins-27- in a single season. His license plate was 51HHMD.

Marshall Teague, who was known as the “King of the Beach” for his races at his hometown track, won seven NASCAR Grand National Races between 1949 and 1952. Before the 1951 season, he traveled to Michigan to Hudson, where he showed up without an appointment. By the end of the visit, he had laid the foundation for a relationship with the company that would make the car and driver dominant in the circuit until 1953. Teague left NASCAR that year, in a dispute with the circuit founder, Bill France, Sr. He went on to drive in the AAA and USAC circuits.

Nine years to the day after his historic race in the Hudson Hornet, on February 11, 1959, he was back at Daytona. It would be his last run. Teague was killed trying to set a closed court record in a reconfigured Indy car at the newly opened Dayton Interantional Speedway. The test session was just prior to the April debut of the USAC championship in Indy-styled roadsters, and eleven days before the first Daytona 500. Marshall’s death bothered Bill France so much that he never again held Indy-style racing at the Daytona Speedway.

Marshall Teague’s career highlights

  • NASCAR Sprint Cup Series Statistics

  • 23 races run over 4 years.

  • Best Cup Position: 62nd – 1949 (Strictly Stock)

  • First Race: 1949 Daytona Beach Road Course

  • First Win: 1951 Daytona Beach Road Course

  • Last Win: 1952 Speedway Park (Jacksonville)

  • Wins-7 Top Tens-11 Poles-3

  • National Motorsports Press Association’s Hall of Fame (1968)

  • 1951 AAA Stock Car Driver of the Year

  • 1952 & 1954 AAA National Stock Car Champion

  • National Auto Racing Hall of Fame (1988)

  • TRS/NASCAR Mechanics Hall of Fame (1989)

  • American Auto Racing Writers and Broadcasters Association Hall of Fame (1991)

The Weirdness of Racism

There are a lot of weird things that happen along with racism. Hatred is the major cause of racism, but it is weird that often people do not know why they hate. Racism is just a way to act for them as they are not accepting of people different than they are.

Racism has been brought to everyone’s attention with the brutal killing of George Floyd by a Minneapolis police officer who held his knee on the neck of his victim for almost nine minutes as the man lay on the ground. This was while George Floyd was pleading for help and telling him that he could not breathe. The other three officers present did not stop the deathly attack on a black man who was not prepared to die. It seems that it was a racist act against a black man, but it was weird that the officer’s wife and one of the other police officers present were both Asian Americans, apparently siblings.

Although police issues with black men have become an issue, others are killed by racist civilians in the general population. Ahmaud Arbery was an unarmed young black man who was fatally shot in Georgia. He was merely jogging in a neighborhood when he was pursued by two white men, a father and son. They were armed and shot Arbery. The men were finally arrested over two months later and charged with felony murder and aggravated assault. This was a racist act, and it was weird that the men were not charged right away.

The woman caught in racist rants in Torrance, California, which were filmed in videos, was apparently venting her hatred for those of Asian descent. She was clearly racist against Asians, but then she gets into her Honda car and drives away. It is weird that she does not seem to realize that she is driving an Asian make of automobile.

Vincent Chin was a Chinese American man who was having a bachelor party in Detroit in 1982. Japanese cars were gaining prominence in the United States, and autoworkers with the Big Three in Detroit had been laid off. There was animosity toward Japan and Japanese people because of this situation. While Vincent Chin and his friends were at a club, they encountered a white autoworker with Chrysler and his step son, who had lost his job in the Chrysler plant. A confrontation occurred, and they were removed from the club. The two white men drove around until they found Vincent Chin and his friends at a McDonald’s. A fight ensued with the autoworker beating Chin with a baseball bat until his head cracked open. Vincent Chin died four day later in a hospital. It was a clear act of racism as the white men did not distinguish against Asians of different ethnicities, but it was weird that the two men never received any prison time.

Racism and hatred caused 120,000 persons of Japanese heritage to be removed from their west coast homes and incarcerated in American concentration camps during World War II. Some people do not believe that it actually happened because it is weird to think that such a thing could happen because of racism to its own citizens in the United States of America.

With the coronavirus pandemic, many people are blaming China. Asian Americans are experiencing racism from various people as a result. It is weird that many of the perpetrators of the racism being exhibited about the coronavirus are racial minorities themselves. Asians are being accosted by African Americans and Latinos as well as white people. It is weird that those who have likely faced racism themselves are attacking others with racial rants.

Racism is a weird part of society. Racism is inexcusable, but it will difficult to eradicate because there is too much hatred and intolerance in the world. Changes need to be made by government leaders, but there also needs to be a change in attitude within the general public before racism can be curbed and hopefully eliminated.The racism and weirdness has to be stopped.

Mortgage Lessons from Joe Girard

Joe Girard was a car salesman. During his selling career he sold 13,001 cars, all of them at retail. And, all of them one car at a time…no fleet sales, no multiple sales, and no wholesale sales. He personally sold more cars during his career than most dealerships sell in their lifetime.

During the years 1963 to 1977, Joe Girard sold more cars on a one-on-one basis than anyone else in the world. On his best day he sold 18 automobiles. His best month, he recorded 174 sales. His best year…a total of 1425 vehicles. All in all, he averaged about 6 retail sales per day. An amazing accomplishment!

All of Joe’s sales have been certified by “The Guinness Book of World Records” and the accounting firm of Deloitte and Touche. Today, his record remains unbroken. Joe Girard was inducted into the “Automotive Hall of Fame” on August 7, 2001.

Just as a little background, Joe Girard was born in a Detroit ghetto in 1927. He shined shoes, delivered papers for the Detroit Free Press, washed dishes, acted as a delivery boy, and assembled stoves.

Then one day in 1963 at the age of 35, Joe Girard got a job selling automobiles for a Detroit car dealership. With a telephone, a phone book, a lonely desk tucked away in a vacant corner of the dealership, Joe’s career began. It was January, a traditionally slow month and the manager was reluctant to hire him. Joe had to actually beg him for the job.

By the end of business his first day, Joe Girard sold his first automobile. He had to borrow $10 from his manager so that he could take some groceries home for his family. During his second month, Joe sold 18 cars and trucks.

Just when Joe was feeling good about himself, he was fired for being too aggressive. Some of the other salesman had complained to the owner of the dealership.

Knowing he could sell cars, and a determination to succeed, Joe had no problem finding employment with Merollis Chevrolet in Eastpointe Michigan, and the most amazing sales record in history had its beginning.

This is the breakdown of what he sold:

1963 – 267 cars and trucks

1964 – 307 cars and trucks

1965 – 343 cars and trucks

1966 – 614 cars

1967 – 667 cars

1968 – 708 cars

1969 – 764 cars

1970 – 843 cars

1971 – 980 cars

1972 – 1208 cars

1973 – 1425 cars (record year)

1974 – 1376 cars

1975 – 1360 cars

1976 – Over 1200 cars

1977 – Over 1200 cars

If you don’t think this is significant, remember these were actual sales, not deals or giveaways. Second, Joe was the number one salesman in the country every year from 1967 to 1977. The magnitude of that feat almost defies description. And third, despite the fact that there were two recessions during his first eleven years, he sold more cars every year than he did the previous year.

It’s told that on Saturday mornings, a line of people would form at the entrance of Merollis Chevrolet long before the scheduled opening. Everyone was waiting for Joe Girard to come to work and they wanted to talk to him about buying a car. Every one of them rebuffed offers of help from co-workers. They only wanted to talk to Joe, no one else would do. Over a period of fifteen years he averaged over 900 cars each and every year.

On January 1, 1978, Joe Girard retired from selling cars to focus on writing, teaching and motivating. His works include:

“How to Sell Anything to Anybody,”

“How to Sell Yourself,”

“How to Close Every Sale,” and

“Mastering Your Way to the Top.”

Stories abound about how Joe Girard “originated” his business. One of which details the fact that he was an avid Detroit Lions fan and a season ticket holder. He always opted for a seat in the upper deck so that when the Lions scored, he threw a hand full of business cards over the railing to the football fans below. He used both sides of his business card and always offered some type of “freebie” if they looked him up within the next week.

Just so you know that one isn’t even on my list of “101 Ways to Originate Mortgages.” If you try it, be careful of your local littering laws. However, using both sides of a business card is on my list.

At this point you’re probably asking…OK, how did he really do it? Well, the answer is so simple you’ll immediately wonder why you’re not doing it too. Then again…maybe you are. Here’s the answer:

Joe Girard made it a point to capture and record the contact information of every person he met or talked to. Then over the months ahead, and for each and every month thereafter, he sent each one of them a card. He sent the obvious cards for all of the major holidays. But he also sent birthday and anniversary cards. He sent Fourth of July, Groundhog Day, and Washington and Lincoln Birthday cards. Everyone Joe knew received a card each month and two in December because it was Christmas.

He sent the cards with a simple handwritten note and his signature on the inside. It read:

“I like you – Joe Girard”

I know what you’re thinking…if someone did that today, they would probably be arrested for stalking. Yes, things have changed drastically since the 60’s and 70’s, but the basic idea has not.

Joe Girard simply did what all of us in the Mortgage Business should be doing…building and maintaining a contact list, a database, a mailing list, or whatever you want to call it. Goodness, you can even call it Tom’s list if you want…I won’t object.

With cards arriving every month, Joe’s contacts almost considered him a member of the family. When they thought of a “new car” they immediately thought of Joe Girard.

And, that’s exactly what should happen when your contacts think of a mortgage. They should think of you…not the bank at the corner of their street…and, not the mortgage person they heard advertising on their local radio station. They should think of you.

The point is this, if you don’t have a list…start one immediately. If you have a list, set up a program to contact them once a month. The old adage that says “It’s all in the list” is true regardless of the product or service you are marketing.

In the final few years, Joe Girard had two assistants working for him. The size of his monthly mailings had to be huge…many thousands I’m sure. And, all of it done before the personal computer and “Windows” was even a twinkle in the eye of Bill Gates.

So, here are a couple of the lessons learned from Joe Girard:

1. You absolutely positively need a database. According to national averages, each contact on your mortgage list will make some type of mortgage decision about every five years. When they make that decision, you should be the one they call. Continually add, update and maintain your list.

The result…if your database has 500 contacts, somewhere between 15 and 20%, will make some type of mortgage decision in the next year. That’s a total of 75 to 100 potential mortgages just from your list. Now…will you get them all? Of course not! But, if you do your job…you’re entitled to your fair share.

2. Design, implement, and maintain a viable program to effectively communicate with your database each and every month. It will be like putting money in the bank. The dividends will be huge.

Send cards, letters, mortgage articles, and mortgage news snippets. Continue to send your contacts good information and implement a good postcard generating kit. You’ll be rewarded many times over.