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Now here is our January ezine from Solidgoldmonthly. Check for the firewall and virus software downloads.

WELCOME to all of our old friends and to the members of Ezineblaze who are receiving this issue. Carolyn and I hope that you find our ezine informative and will visit us at and sign up for your personal subscription. 2003 is a New Year and we have made some decisions that will radically change the direction of our lives. More on our personal situation in later issues but we thought it appropriate to start this issue with the article entitled "Rut Busting."

Please feel free to email this to your friends. Your comments and article submissions are welcome. Our contact email is Wayne and Carolyn Patterson



Article-Rut Busting

Water Water Everywhere But Can You Drink It?

Tax Software for you Internet Business

Article-Mortgage Scam Alert

Thought to Start The New Year

Free Offers-Firewall and Virus Software

Speeding Ticket Help


RUT BUSTING by Hal Warfield

WordNet defines a rut as a groove or furrow (especially in soft earth caused by wheels) or a monotonous routine that is hard to escape; as in "her job made her feel that she was stuck in a rut".

What is this thing that we call a rut? Is one man's rut another man's rapture?

I. What is a rut?

In nature, weight and repetition form a rut. A wagon wheel travels the same path over and over and over again until the ground retains the impression. If you've ever driven a rutted road you know that once in the rut it becomes difficult to get out. On the other hand a rut may serve a useful purpose; before a road gets paved and straightened out, it often begins as a series of ruts. So a rutmay lead you to a useful place; it may just need paving.

The elements of a physical rut on a road can be compared to our ruts in life. Our lives are full of repetitious activities from eating to sleeping to brushing our teeth. Our jobs require that we take the same road or train or bus. We take the same elevator, we encounter the same people, we do the same work, we go home, sleep and start all over again.

Some repetition is useful and necessary - too much seems to lead to the formation of a rut. Let's look at the emotions that being stuck in a physical rut cause. If you can't get your bike or car out of a rut, you quickly begin to feel trapped, frustrated and stressed. Sometimes you bow to the inevitable and simply continue to move forward until the rut runs out. You may not be carrying the equipment needed to bust out of the rut. You might need someone else to help you pull out of the rut.

II. How did you get there?

When you were a toddler you learned to walk often by falling down a lot. Sooner or later repetition had its effect and walking became second nature. You might remember the first time you successfully dressed yourself or tied your shoes and now these activities second nature.

Our human selves are gifted with this ability to learn a task so well we don't have to think about it at all. This makes us more productive; consider how long it would take you to dress and get out of the house if you had to think consciously about each step of the process.

This learning process will eventually affect any behavior that we do consistently. And this can lead to ruts. If you get home at 6 p.m. every evening and lay on the sofa for an hour, you'll eventually find you've fallen into a rut. I guess you could say that a rut is a habit that we don't like anymore.

Look at the areas of your life you consider ruts. What activity did you do repetitively that got you into the rut? Why was it a good thing at first and not good now?

III. Do you want to get out?

But if we say we don't like the rut - are we sure we really want it to go away? We must sometimes examine the reasons for our ruts. It may be there to protect us from some pain we perceive that the effort to change would cause.

Most of us don't change (behaviors, attitudes, relationships) until the pain gets great enough. This doesn't need to be physical pain - psychological and emotional pain can cause us to change as well. The desire to get out of a rut - in our relationships, our jobs, our free time - will only motivate us when the alternatives become unattractive enough.

So your first task in rut busting is to honestly ask yourself if the pain you feel is sufficient to move you in some other direction. If the answer is "no" then the next task is to begin to add reasons to change. Start a list - write down as many reasons as you can to change and a second list of reasons to let the status be "quo".

IV. How to get out of the rut.

Move in a direction perpendicular to the rut. In daily behavioral terms, this means applying direct pressure in the direction away from the rut. It means going out and walking instead of sitting in front of the TV. It means confronting the jerk at work instead of knuckling under. Ever notice how loud an engine gets when it’s trying to power out of a rut? This is hard to make ourselves do but probably the quickest way to get results.

Get a plank or some other tool to increase your traction. In life terms this means taking a class or joining a support group or reading a book. It may mean asking for help which, if you’ve ever been stuck in a rut, can be embarrassing.

Call a tow truck. Hire a coach or get some counseling. In this day and age it is not a negative stigma to establish a relationship with a professional who can guide you and provide you with the life tools you need to change.

Get a more powerful vehicle. Go back to school. Strengthen yourself physically. Eat better, sleep more. One of the things I learned after I’d taken Time Management and Stress Management classes was that I wasable to handle more "things" in my life which kept me out of a rut.

V. How to stay out.

Map out the road ahead to avoid the ruts. If you have no life goals or plans you’ll tend to get back into ruts easily. Read Barbara Sher’s book "I Could Do Anything in Life, If I Just Knew What it Was".

Get a guide who can show you how to stay out of trouble. Ole Steve, the Croc Hunter, never seems to need a guide but most of the rest of us do. Again, the key here is a relationship with a coach or counselor or support group who can help you stay honest.


A client recently asked us about water purifiers. Greenville has some of the purest water so not many filters are sold or needed in this area. I build sewer treatment plants for industries and cities. A new process we are using as the final treatment instead of chlorine is ultraviolet light. I was surprised to discover that there is a company using this same technology to purify the water in your home or office. What I discovered is the most advanced water purifier on the market. Never buy bottled water again!


Most tax software does not contain the items and advice you will need on April 15th. if you own an internet business. Now there is Internet Tax Helper-software designed claim evey deduction you are legally entitled. A MUST if you want to save time and money on this year's taxes-and who doesn't?


The Mortgage Scam

by Wayne Patterson

With interest rates at a thirty-year low many homeowners are scrambling to refinance their mortgages. Some of these loans are being resold to what is being termed a "predatory lender" and the homeowner becomes a victim of the Mortgage Scam. What is a predatory lender? A predatory lender is a mortgage company that purchases loans from a reputable company and then conveniently loses one or more of your payments during the transition period. Their customer service is nonexistent and they refuse to accept items such as canceled checks or paid receipts as evidence of payment. First you receive harassing phone calls from a collection agency demanding payments that you have already made. Then you find yourself at the receiving end of a foreclosure notice and your home in danger of being sold at the courthouse door.

A typical story is that of Patricia Richards of Powder Springs, Ga. Her mortgage was sold to Fairbanks Capital Corporation. Fairbanks then claimed Patricia had not made several payments and proceeded to publish her home for foreclosure. Not only was she about to lose her home, her excellent credit rating was also at risk. Since Fairbanks and their attorneys would not respond to Patricia, she was forced to hire an attorney at her expense to resolve the issue. Fairbanks beat a hasty retreat without any apology. Based on the numerous reports, Fairbanks appears to be one of the major players in the predatory lending field. These reports can be accessed at many scam sites such as and www.badbusinessbureau. Do a search for mortgage.

These complaints also document other types of mortgage scams such as failing to post your payments in order to collect late fees, overcharging for taxes and insurance and fees for nonexistent "property inspections." The disturbing part is that consumers are receiving little help from the state and federal agencies that are supposed to regulate the mortgage industry.

Therefore it is up to you to protect yourself from the clutches of a predatory lender. Deal with a reputable company that has a local office where you can make your payments and talk to a real person if there is a problem. Make all of your payments on time and by check. Be sure to keep a copy of all your bank statements. Automatic bank drafts are convenient and will prevent late fees but I advise against them because it will be impossible to reverse any other unwarranted fees. Respond promptly to any notices. Be alert to any charges that you do not understand. Confirm any contacts with customer service with a letter, certified mail return receipt is advisable. Most of us rely on a telephone call or email to compalin. These are often ignored and we later have no proof. A certified letter is a legal document admissible in court.

I am not a lawyer and cannot give legal advice. But I do know that predatory lenders prey on those who do not know their rights. If you do not know your rights you do not have any. The advice of an attorney may be required so consider purchasing a pre-paid legal plan prior to closing the loan. If you do have problems with the lender contact your state attorney general and file a formal complaint. Also be sure to notify the credit reporting agencies that there is a dispute so your credit will not be damaged.

Most of us assume that mortgage companies are interested in providing good customer service and will correct any mistakes. The fact is that even the most reputable company makes mistakes that can be difficult get corrected. When we encounter a predatory lender that deliberately participates in a mortgage scam, we are at their mercy unless we act promptly and take the proper precautions.


Thought to Start The New Year

You can't change the past but you can ruin a perfectly good present by worrying about the future.

Decision Magazine


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Thank you for your time and your interest. Next month's feature article is "They Say I'm Not Me- How To Avoid Identity Theft."