If we are short on enough chairs Eleanor here will get you one. Good everyone seems to have found a place. As you all know we are all here for the last will and testament of Ellie Jane Lauderdale Hutchinson. Wills are only read in total in the movies and on TV. Ellie's will will be filed for probate in the clerk's office at the courthouse. It is a public record and anyone who wants to may go to the courthouse and ask to read it."Today I will paraphrase those parts that are mostly covering the legal aspects of will. The parts that I will read verbatim are those that may affect any present and some not present. So let's get to it. Ellie states her full name and states that she is of sound mind, that she is a resident of Chatham County, State of Georgia. She is a widow and was married to Charlie Hutchinson and has no children and her closest living relatives are her sister, Samantha Sue Lauderdale Hawkins Bowles Harrison Thompson and her nephew, Jameson Edward Lauderdale."A titillation. But I must insist you stop consulting Wikipedia or indeed any website unless I tell you to. Let’s go back to the first chapter of the book, and see what’s stuck. That’s page ... seven. Do you have it?”“Yes?”“Right. Let’s pick a word at random here ... Interest rates. That’s good. So, we are currently in a period of low interest rates. What’s good about that and what’s bad?”“Uhm ... It is good because ... it makes borrowing money cheap?”Finally! An ounce of insight!“Very good! Yes, it’s easy to borrow money, which is generally good for businesses. But there’s a drawback as well, which is...”“Uhm...”“Think about consumers.”“Yes.”Silence.“And then ... articulate an answer. About a negative effect of low interest rates. So imagine borrowing money is really cheap, and consumers therefore spend more of it. Either because a loan is cheaper or because there’s less of a motivation to save, because your savings don’t yield much interest. So either way, this is the time to get a new car. That.
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