Wednesday, August 31, 2022
Financial Help
Tuesday, August 30, 2022
Tee Shirt Tuesday #44
Monday, August 29, 2022
New Things
Saturday, August 27, 2022
Student Loans & Header
As you would expect, the subject of student loans has been a pretty hot topic in social media lately. This is a post I saw from one of my "friends":
This is my situation in a nutshell. Been paying my loans since 2009. But my numbers are bigger. I still owe $263,000 and they get bigger by over $1400/month (just the interest). $10k makes zero difference, it's almost insulting.
For me to pay them off, I need to pay $3,500 a month for the next 25 years because I just changed servicers. I'm 50 already and graduated with my second masters degree when I was 37. I don't even make $3500/month. The interest alone is 40% of my take home pay. I'm never paying these off in my lifetime unless I hit the lottery. I'm also never buying a house because my debt to equity ratio won't allow it. So here I am stuck in perpetuity in a rental cycle paying someone else's mortgage.
The only solution for me is if they change the laws and allow them to be forgiven in Bankruptcy. Otherwise I'm screwed.
I left a comment and he replied with an explanation of how the system works. Basically you borrow the money with no real information on what it's going to cost you in the long run - no monthly payment or interest rate, until it's time to pay it all back. Then you're just SOL. While the explanation made sense, signing on the dotted line without knowing the actual amount you're going to have to pay back is in my opinion, just plain foolish. Nothing like selling yourself into debt slavery. And like the case quoted above, a mistake you'll never be able to recover from.
Thursday, August 25, 2022
Thursday Thoughts
From Here |
Tuesday, August 23, 2022
Tee Shirt Tuesday #43
Sunday, August 21, 2022
Tulsa Trip
Saturday, August 20, 2022
Nationals
Thursday, August 18, 2022
Resistance
Tuesday, August 16, 2022
Tee Shirt Tuesday #42
Monday, August 15, 2022
Living on Tulsa Time
Saturday, August 13, 2022
Starting to Look Like an Engine
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The Missus' birthday today. Happy birthday Baby!
Friday, August 12, 2022
Jitney Progress
Tuesday, August 9, 2022
Tee Shirt Tuesday #41
Saturday, August 6, 2022
Hose Job
I took the wife to the dentist Thursday to get her implant taken care of. The chemotherapy did a number on her teeth, so she got a bridge with a couple of posts to hold it in place. They gave her some dope to take 1-1/2 hours before the appointment and some more when she got there. She didn't feel a thing but she couldn't be left alone for the rest of the day, so no shop work. However, while she was getting worked on in the dentist' chair, I went next door to the tavern to get a sandwich, since I hadn't eaten anything all morning.
Bar food is not the thing a vegetarian would normally pursue but I had some fish and chips with a side of coleslaw and a draft beer. The food was really good and as a bonus, there was a baseball game on. I've pretty much given up on the sport of baseball, but it was the Cubs versus the Cards in St Louis, and it was a day game - something that seems to be a rarity these days on a weekday.
As a school teacher with summers off, if I wasn't working I'd try to catch a few Cubs' day games during the summer - since they didn't have lights, there were a lot of them. They were always on Channel 9 out of Chicago and I grew up with them. The early days it was Jack Brickhouse on the play-by-play with "The Good Kid" Lou Boudreau, later Harry Caray. Brickhouse broadcast not only the Cubs games but also the White Sox, Bears, Bulls, and the occasional boxing match. Before the internet and cable television if you wanted to watch sports in the Chicago area, it was Channel 9, WGN. I don't even know where I would look to watch a Cubs or Sox game on television anymore and I'm not planning on trying to find one. I did enjoy sitting on the bar stool watching the game the other day though.
Friday, August 5, 2022
Made In China
I'm sure all of you have heard about Nancy Pelosi's trip to Taiwan in order to deflect interest from her husband's DUI hearing. Might as well risk WWIII rather than have anyone focus any attention on her millionaire hubby, right? However, there's a serious problem with that. Damn near anything you want or need comes from China. If we can throw an embargo on Russia, why can't the Chinese do the same to us? I won't be at all surprised if the Chinese retaliate in some way. In the photo are three items I purchased recently, all of which came from China.
This is the third time I've bought a 10 pack of those socks. They're comfortable, fit well and wear like iron. I should have probably bought another 10 pack when I ordered them - since I don't know for sure if they'll be available when I need them next time.
Heavy duty adhesive bandages in the one inch wide version. I'm pretty well set on first aid supplies, however, I read the other day that 70% of all medicines in the USA come from China. I take a couple of prescription medications but if I was to follow a strict diet, I probably wouldn't have too much need for them. I'm back exercising on a regular basis and my weight's pretty close to where it needs to be, so if the medicines quit coming, it probably wouldn't be a matter of life and death for me. Might shorten the life span but who knows how long I've got anyway. If your situation is more dire, you might want to talk to your physician to see about getting some extra you can squirrel away.
The moth traps are for keeping the little moths out of the flour, pancake and cornbread mix, etc. If you get these things in the house, they're a real PIA. They'll get in sealed bags and boxes and leave little moth turds and eggs in your grits. If you want to stock up on flour and similar items which you definitely should do if you haven't already, you need to store them in a container that's impervious to them. I store my waffle mix in a zip-lock bag in the freezer. You can get 5 gallon food grade buckets with lids that snap on tightly but have a screw on cover with a gasket. Good place to keep your rice and beans. I've got one of those with a small bag of dog and cat food in it.
The almond milk doesn't come from China, is not bothered by pantry moths and has a decent shelf life. This quart has a best use-by date of next April. If you want milk on your cereal after the Chinese have nuked the big cities, it would be nice to have some almond milk on the shelf - no refrigeration necessary. There is always powdered milk like the Carnation brand but I would imagine the moths might take a shine to that. That, plus the fact that it's pretty watery when mixed makes the almond milk look much better in the bowl of granola. Almond milk also has more calcium than cow's milk. I don't drink it by the glass full but I don't drink cow's milk that way anymore either.
Get your preps in order. Even if you won't need the extra food to deal with some type of natural disaster or act of war, might as well have things on the shelf before the price goes up again. There are plenty of resources available at the library and on the internet to get you started preparing. If you haven't yet, make a personalized list of things you'll need if the power goes out and you need to hunker down. If you commute beyond a reasonable walking distance from your house, get a survival bag in your vehicle as well. Around here I can't keep water in the truck in the winter time due to its freezing, but I've got a bag with a couple of bottles I throw in the truck when the temps fall.
Thursday, August 4, 2022
Trailer Thoughts
Wednesday, August 3, 2022
Box & Belts
Tuesday, August 2, 2022
Elvis & Tee Shirt Tuesday #40
We were going to visit Graceland while we were in the neighborhood, but due to it being the tenth anniversary, people were lined up around the block. Much too hot to be standing on the sidewalk for just a quick peek. However, on a previous trip Surly and I stopped in Tupelo. We went to the hardware store were Elvis bought his first guitar and to the birthplace of the King. We also saw Elvis' K Model at Niagra Falls. I was in Tupelo when I bicycled the Natchez Trace trip and we stopped at the house and gift shop. When in Rome, and all that.
Elvis had it all but fame and fortune got the better of him - died at 42, so I've outlived him now by about 45 years. Don't do drugs, kids!
Monday, August 1, 2022
Want A Teaching Job?