Category Archives: General

Paying Off Debt Revisited

I don’t think I posted the other detailing my plans because it is largely personal and many people shouldn’t know. I post some things for my benefit to see how well my planning went.

Paying Bills

I’m paying most of my bills using my bank’s bill pay. Now I don’t have everything on this. My insurance, cell phone, mortgage, and utilities are not using it yet. I think I can move my insurance to the bill pay, but I’m not going to worry about it. Most of the bills were paid by bank to bank and it causes problems when you forget that it is coming. With the bill pay, I can see exactly how much money is going to whom and when. Also, my bank will hold that amount so I won’t be able to accidentally spend it.

Automatic Savings

I’ve been saving for the past 4 weeks and while the amount is still fairly small, it is a decent start. I no longer consider that amount part of what I have, so I don’t feel like spending it. I’m going to be using it a lot more in the future, both to pay off my current outstanding debt and to make purchases in the future. I’m going to take the approach of saving up the money before I buy something, so that I am very rarely buying something with a credit card.

The reason I’m saving cash instead of paying off more cards is so that I’ll have that money in case I need it to pay other bills. If I use it to pay credit cards and then have to use that same credit card to pay other expenses, then I’m not getting ahead. At least it provides a cushion to prevent me from having to use credit. At some point I hope to save $200 to $300 and I should be able to after I pay off all of my credit cards. My goal is to eventually have about 6 to 8 months of salary in the bank in the case of emergencies. In this way, if something bad happens with me, my house, my job, etc that I won’t be in a position where I have to sell body parts to pay the mortgage.

Paying Credit Cards

With the amount of savings I have, I should be able to pay off one credit card with a small balance in about 3 weeks. I am going to wait another 4 or 5 weeks, so that I can still have enough savings to start on other projects. With the one credit card paid off, I’ll only have to worry about 3 more. The only problem as I see it is that paying this card off will only give me an extra $50 to $75 a month. However, I suppose it will lighten my mood having one less card to worry about.

The credit card with the highest balance will be paid off in 36 to 38 weeks or 8 to 9 months. I may get this card down to a thousand and focus on other cards. The two other cards, one is the second highest, but is a store card, so I’m more concern with keeping it in good standing and then waiting until the other cards are paid off before focusing on it. I made the mistake of paying too much on that card to only have no cash left over and had to resort to using my other credit cards. I’m a little bit wary of repeating that same mistake.

The good news is that one company has dropped me, so after I pay off two cards, I’ll no longer have that company. I’ll be dropping two more credit cards. This will affect my credit score a great deal, however, I feel that with the house, the one credit card, zero balance on all of my accounts, and good credit history that I will be able to get new cards of moderate balances and with APRs and terms that will be far better than what I’d ever get with the ones I have now.

Extra Money

I’m going to work on several projects that I’ve been putting off for a number of years now. I believe that when these projects are completed that I’ll be able to pull in some money. Albeit, it most likely will be zero to extremely small amount a month. However, it is far better than what it is pulling in now and anything is better than nothing. I have the motivation to work on these projects and I think that when a few of the cards are paid off that a few of the projects will also be completed.

Well, I plan on taking shortcuts to allow for the projects to be completed sooner. They might not be done in exactly the fashion I would have hoped, but at least they will be done. I plan on revisiting certain elements once they are complete, so that they can be optimized and perhaps sold for money.

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Thou Art God

“Thou Art God” is not a real ideology, it is a further understanding of our purpose and existence. The idea of a God created us to doubt its existence as part of his plan. Alas, it is also the political parts of controlling the grand masses to following the few. The basis of religion has its foundation in control and governing people. What if, at the beginning God was created as a plan to control the people, not from Kings and Queens, but everlasting rule?

It says nothing of an Creator, because even if one exists, saying that it controls your life and will lead you on to the afterlife is far reaching than what the Creator controls. A religion can not control its followers by suggesting that the only thing God cares about is that you believe in it and that there is no afterlife for you to lead to. For a religion to control, one has to explain the unexplained and do the unbelievable. One has to believe so much as to push that faith on to others, or if history is any guide, kill as many people that don’t follow as possible without killing everyone or at least conquer enough people to where those left alive have no choice but to believe.

The point is, that a King can only rule for as long as that King is alive and also for as long as his subjects do not attempt to overthrow him. To keep the law, religion is a far better way to do so. Religion is not bound solely by what the police can enforce, people who believe are self-enforcing (for as much as possible). People aren’t perfect, so even with laws and religion, people are going to do whatever drives them their actions. Religion just supplies the righteous an avenue for the masses who blindly follow the doctrine as the Word.

One of the advantages of Religion, is that it doesn’t often change, a law that existed in the beginning will exist far longer than the many generations of Kings and Queens. Therefore, while laws will change from King to King, the Word will not.

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Saying Good Bye to Dollhouse

I just want to curse Fox’s name while I still have the chance to and still give a shit about Dollhouse. I mean, I was happy that 24 survived after the first season and lived on, even though I hated the direction it took after the second season. That is, I’m happy 24 stopped sucking and last season was exciting as was its direction pretty awesome.

However, Dollhouse is just as good as 24, err, well, okay 24 kicks major ass that very few series can match. I’m just saying that Dollhouse isn’t boring and is actually more entertaining than many of the other Fox Network TV series (I thought the snooze-fest Fringe was going to be good, but it appears to just be a rip-off and slightly better X-Files). Joss Whedon has a problem of creating really awesome TV series that very few people ever watch.

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Where the Wild Things Are Movie Review

I think it says a lot about the book that I still pretty much remember much of it after had read it long ago. With such a short book it is easy to contain all of the elements, but there is an important element missing. Or actually a question, how do you create a movie that is over an hour with a book with so little information? Well, I think the movie did a good job emphasizing the adventure well beyond what was in the children story.

In the short story, you know that he was mad at his mother and was sent to bed after he shouted at his mother. While in his room, it slowly turns into a forest and he builds a raft to where the wild things are. While there through he fearlessness of the monsters, he is made king and they have adventures. After a while he grows bored and starts to miss his family, so he sails back. It is frightful in that, in that same position would you be eaten, all the while wetting your pants at the sight of such creatures.

The movie gives a lot of life to the creatures, the boy who becomes king of the wild things and the story. I enjoyed the human elements of the creatures. How they interacted and let someone be King who they suspected was not one of them. At a few moments, the movie was actually scary as you realized that in that situation, any wrong move and your life could be forfeited. You hoped the boy lived, but also saw that the monsters were actually quite human or at least had a wider range of emotions than most monsters.

It was well done, I believe.

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Why Choose 1st Financial Bank?

I know people often have questions on which credit card to sign up for. I think you should choose 1st Financial Bank for the following reasons.

  1. You’re a Credit Virgin.

    I know that when I signed up for the awesome service for the credit card from this bank, I had no idea the contract was a legally binding ownership of my ass. The bank will only come a knocking (your damn door down) after you’ve majorly screwed up and they’ve come to collect on raping your ass. Don’t worry, they’ll wring your ass out, spreading your ass cheeks out far enough for some gentle tearing of the asshole area (I believe it is called a rectum).

    If you proceed to only pay the minimum, then you’ll experience the awesome-ness of being raped constantly. The best part is that they’ll blame you and tell you that it is your fault and if you want it to all go away, then you should just stick their cock in your mouth and slide it in and out until the bursting of love comes out.

    Don’t worry, you’ll most likely stay a credit card virgin. If you are like most people who are bound to make mistakes, then you’ll lose that virginity in the most profound, life changing, unforgettable way. That is, the raping of the ass area. Totally awesome! I do it to myself just so I don’t forget the joy the bank has given me over the years.

  2. You Love Paying Interest Every Day.

    Don’t forget, paying interest every day is one of the great benefits of 1st Financial Bank, because you get to see how much deeper in the hole your are. This interest is added to your balance immediately and so you have the privilege of paying interest on top of interest on top of even more interest. Great fun.

    The other banks don’t do this, they force you to wait a whole month before you can see the amount of interest they are charging you and add that to the balance. What idiocy those banks have, I want to have my interest added every day, so I can see how much I can spend.

    I know my day isn’t complete until I’m paying for fees on top of fees. It is only natural. I mean, They are loaning this money to you and you are bound to the terms of their contract. Including having them change it on you. Well, gee golly, if you don’t like it, then you can always cancel, and oh wait, you have to pay the balance off. Hell, you only start with 250 USD after all. That is simple enough, right? Of course it is, even after they increase your credit limit, you’ll be damned to spend that money without the ability to pay it immediately off.

  3. The Warm Customer Service Representatives.

    Nothing gets me hard during the day, then being told how worthless I am as a human being, because I’m a deadbeat. Hell, to get that much excitement, I have to beat up crippled children. Well, damn, if I beat up non-crippled children, then they can fight back and there is a high probability that I’ll have my ass handed to me. I can’t take that chance!

    The customer service know that you have no choice, but to pay or the raping will continue until the debt is satisfied. Want to change your terms? Ha ha, silly mortals, changing terms is for people who have great credit, which if you have this card, you either didn’t to start with or won’t for long. Even if you have great credit, if you have this card, then the APR is far above what you could get at a good (oops, forget I said that!) bank, that by the time you realize that, if you are extremely lucky, you’ll be so far in that little hole of yours that the shit will be piling up, because there would be no other way out (you have to shit somewhere).

    The bank knows that their customers are fighting a war of attrition, for which they only have to wait and you’ll wave your white flag. If you don’t pay the debt, then you risk litigation, bankruptcy, and possibility of a mob of serial rapists. Um, except they’ll serially rape just your ass. Over and over and over again. Don’t worry, over time, you’ll grow numb to the horrendous pain of your buttocks and you’ll tell yourself that it is all right while rocking back and forth in a corner, while naked (although, I’m unsure why you’ll be naked). Not that I’m had the fortune of doing that myself. One of these days, I’ll have the wondrous opportunity to experience that passion myself.

  4. An APR Rate Way Above The Going Rate for Your Score.

    If you’ve had the, um, pleasure of signing up for 1st Financial Bank and being approved, then well, ha ha, like any other bank will give you credit. The other banks would probably laugh at your face and smear feces all of your face and mouth, but not 1st Financial Bank. They love you enough to give you terms of your demise (the good kind and yes it exists, some guy named Ted told me), if you so choose to accept them.

    You see, what 1st Financial Bank offers is family, a friendship that goes beyond being friendly. You see, since you are family, the bank understands that you’ll accept any shit terms they hand you. Even if the terms are decent when you first receive them, they know that they can raise them at any time. What family doesn’t stick it to each other and kick their friends when their down. I don’t know of any other, so I’ll assume it is just normal behavior.

    Who knows, you might be the black sheep of the family and take good care to not spend more than you can pay off. You might even raise your credit score up enough to get ones of fabled prime credit cards. You might even be one of those fictional (I can only assume, since no one I know does this) people that actually saves their money in a thing called a savings account for which they bank pays you money. I know, right? Pfft, that couldn’t exist, it is far too true to be good.

Remember, 1st Financial Bank is some good shit and I’ve had good shit (Ted made me eat his… didn’t taste good, but better than John’s shit…). Remember, I love this company, along with being whipped, while my balls are clamped to an electrical device set to 10k volts every 10 seconds. If there isn’t smoke, then you’re doing it wrong.

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Deepolis Promo Code

451Y56RQ (10% Bonus)

Not sure WTF this is, but here you go. Enter it in and get something. I think I might get something, but maybe not. You’ll definitely get something. Cool game.

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LED Lighting

The pricing for OLED lighting coming out next year is going to be fairly prohibitive for the common folk, albeit probably lower wattage for the same amount of light. I believe that by the time I’m at the point where it makes since, with what I can afford, the LED lighting that I’m going to buy instead would have burned out. I believe now that LED lighting is at the price where it is affordable to buy. I’ve seen a 3 watt (sadly, it is probably around 150 Lumens, which won’t light shit) for $10 each. I’m thinking the $50 each (or $46 each for 8 pack) lighting which is rated at 100watt should be fine.

I’m be sure to check. I’m going to buy a $10 light for my desk lamp and see how bright that is. However, if it isn’t light enough (and most likely it will not), then I’ll have to go for the 8 pack which will run me around $370. The good news is that I’ll never have to change those light bulbs for the lifetime I’ll be in the house. That is something neat, because if I’m paying that much, then it damn well better last a long time.

It will be nice I believe, depending on how bright the lights actually are. At 12 watts for each, most of the rooms will be using less than one 60 watt incandescent light bulb. I have 3 rooms and the living room which has recessed lighting fixtures (12 or 16 of them). I believe at the most I’ll be able to get LED lighting for my two bed rooms and wait on the living room and kitchen. I won’t be in those two very often and will use CFLs in the living room and kitchen.

At some point in the future, I plan on probably replacing the CFLs with OLED lighting or with LED lighting if at which time the CFLs burn out and OLED lighting is still expensive. Still, people are saying that the prices of LED lighting is going to come down further because of advancements in the technology. I believe if that is the case in three or four years when the CFLs burn out, that I’ll be able to afford buying a the LED lighting.

The best part is that the lifetime is rated for about 15 to 17 years at 8 hours a day for LED lighting. I don’t believe I’ll be using the living room and kitchen very often, therefore the CFLs should last for as long as I can afford more LED light bulbs. Or at least, I can slowly replace them over time as I get the money. I think supplying the bedroom, office, and maybe the bathroom with LED light bulbs should suffice. The bad news is that I’ll only be saving around 4 to 8 watts verses CFLs, since I was planning on using 16 to 20 watt CFLs.

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Knowing Both Sides of the Issue

As an Independent, I do not take or at least make a honest attempt to not take a biased view and don’t immediately accept what I’m told. So for every Watts Up with That, there has to be a counter site and indeed there is. So I do have to kind of take issue with it. There are two that I checked out and a third I will not concern myself with.

The difference is that Watts Up With That site deals primarily with facts and debunking reports about the effects of Climate Change and Global Warming. Quite simply, cooler heads which try to explain some of the attacks on the other side.

Desmog Blog

I was really hoping for more information proving AGW and how the CO2 from our cars, factories, etc were causing the Earth to warm. It is perhaps would have been better to look at Wikipedia as for the number of facts, there were few. The articles consist of primarily of fallacies, attacking the character, linking the person somehow to oil companies, and not about debunking what the person has said.

I do realize facts and evidence isn’t sexy, which is why I don’t use them on my site. I mean, it wouldn’t be fun for me, so I have to give props to the sites that do, because I wouldn’t have been able to do anything to turn the tide. The arguments might have been fun though.

Another problem is that statistics and experiments are done that aren’t exactly done correctly or at least not the conclusions. I watched the candle to the CO2 block out the heat from the candle and then say that CO2 traps heat. This is entirely possible, however, I think a better conclusion would be that the CO2 is hindering the sensor. Not enough time was given to the experiment, which as interested as I was, I would have liked to learn more. I’m saying that if it was done correctly, with variations, that I would very much enjoy the outcome. I would even think about doing the experiment myself.

The one gem I was able to find, was “The American Denial of Global Warming” and you do need to click on the blue screen with what would appear to be words to get to the video. The video used facts, information, and very little attacks (actually you could say background isn’t attacks, but still referenced the alliance of the characters). If anything on the site were to persuade me, I would have to say it would be that video.

The other authors could learn a few things about the video. I don’t think that is their goal, so I’ll have to look elsewhere for more information on AGW.

ClimateSourch

Much like Desmog Blog, attacking the character and not the facts if there were any. I actually didn’t look to deep into the site, but at least they point to articles which has actual information that could be used to understand AGW more.

Conclusion

As much as Wikipedia gets a bad rep, if the articles have enough references then it is fine. I will do more research on Wikipedia until which time a site comes up like Watts.

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Global Warming: Is That It?

The problem has always been that there isn’t enough proof to counter the Global Warming crowd. I don’t think the question has ever been asked about why? The answer should be obvious, if people are researching it, then they would have found evidence that Global Warming is not caused by humans.

Common sense dictates that carbon dioxide can’t be the sole cause of Global Warming. Common sense would also dictate that since CO2 is used by plants that it can’t be a pollutant. Common sense would also give that the Earth has proven that it has went through periods of cooling and warming on its own far before humans entered the picture.

Alas, if you give politicians any leverage to gain power, they are going to take hold of it by any means. Such inconveniences like facts, evidence, and proof be damned when power and money can be had. People can see that the Earth is warming, they just aren’t educated enough to doubt the reasons why. How many people know about the dynamics of El Nino and La Nina? How many people understand that computer simulations are about as credible as weather predictions made for a year out.

I think most people would laugh at the person’s face who states that they can predict the weather accurately up to a year. How is it then that people are supposed to accept similar computer simulations for 50 year to 100 years out? Common sense should dictate that if you can’t predict further than a week with any accuracy, that trying to predict the weather far beyond that is quite frankly impossible.

It has always been my problem with it. It just doesn’t make sense. Why then should my life be so affected by people preaching that CO2 is harmful? Are you so certain that it is the lone factor? No, well actually it isn’t, but it is easier to talk about it than the 10 or so actual competing factors that make up what people consider green-house gases. Also, CO2 and the other gases make up a small percentage of the actual green-house gases in the atmosphere (source: Wikipedia).

People tend to use the environment as a Straw Man, “Well, you love the environment don’t you?” Of course I do, I just don’t think government would do all that great of a job correcting the problem. We haven’t even confirmed that it is even a problem worth solving or if we can even solve it. Are people ready to live like the Amish in order to “save the world” because I’m not. Not unless it is proven without any evidence to the contrary.

It hasn’t yet been proven what effect the Sun has on our weather and warming trends. Are people researching that? People have been researching the affects of CO2 for over two decades, where are the people looking over the effects of the Sun? Where are the people looking at other factors that could be the true cause to our past and current warming trend? Do they not exist or are all of the people missing the elephant in the room?

Looking over the Watts up with that? site, the evidence points to certain evidence being flawed as to whether we are actually warming as much as people are saying and the kicker is that there is undeniable proof. You can see for yourself the evidence people are using to say that if we don’t do something, we are going to melt the polar icecaps and flood out people around the world.

Al Gore’s movie “The Inconvenient Truth” is a great movie (barring the parts where it talks about Al Gore) and very entertaining, but that is all is should be considered. Statistics can deceive as well as unexplained graphs without proper context. The graphs of the IPCC are very convincing up to the point where you realize that they are talking about changes in the hundredths of degrees of of micro portions.

Sure the dark reds are scary, but you have to realize that it just means that the Earth could be maybe a degree or two warming in the future than it is now. Well, if the computer models are accurate that is.

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Taking the Fall: Adding Ads

Yes, I took the jump at being evil, but I think the small opportunity to make a little bit of money is a little overwhelming. I doubt I’m going to be making that much, but I want to experiment with it a bit and see what works well. That way, I can go to other people and tell them, “Hey, this works and this doesn’t on a blog.”

I’m going to reorganize my site to where it looks and functions better as a blog and as a personal site. The problem is that this site has too many topics combined together and one of my projects will be to separate and brand the site better. I was thinking it would be better to just use another domain and work on that, but having tried that, I just don’t have the motivation to write on other sites. If I have to go to this blog to write this content and then another site for other content, then I’m not going to write content on those sites.

How I write, is to just write what I’m thinking at the moment. If I’m thinking, well, that would be great to write out a chapter of a fictional story or satire, I’m going to do it at that time. If I’m thinking about some programming subject that has been irking me or something I’ve been thinking about, then that is what I’m going to write about. I don’t think, well I have to go to this blog if I’m going to write that content. I’ve tried that, didn’t work too well.

Methods

  1. Ad Networks.

    I signed up to the LinkWorth web site for text ads and I’m going to try that for a few months while I get the other systems in place. The really cool part about this, is that the ad networks already have a lot of advertisers who are looking to place their ad on your site. So I might attempt adsense, but the reason why I haven’t is that I don’t currently have a system for which to display it intelligently to the visitors.

    Google has this ad system that will manage your ads and I think it will be cool to take a look at that and see how it can be integrated into a plugin.

  2. Banner Ads.

    I’m thinking of testing with unpaid banner ads to see what the click-through is and go through several months of testing to see what people click on. One of the problems I have is that, on the websites I work on, the banners show to everyone, all the time, and the same banners all the time. Why? What is the point of continuing to show a visitor a banner after they’ve clicked on it? Sure, they might click on it, not think they like the site and then leave immediately without bookmarking the site. Well, it is going to be several days or weeks before they’ll want to go back.

    Therefore, an idea I’ve had was to remove that banner and perhaps have enough banners to bring another one in. Something else I would do, is limit how many banners are shown and rotate through them. That way, when an ad is removed by someone clicking on the banner, then another can just show up and the one they clicked on will go away for a few days.

  3. Sponsor Posts – I’m not going to do sponsored posts. Don’t ask.

    The problem is that even through I don’t have any influence (that I know of), I don’t want to lose respect for myself, by doing something I don’t agree with others doing.

With #2, I hope to actually use my own plugin (most of the code I plan to use in other places), and work on it. I believe it will be fun over paying for another or building off another plugin that might not be written the best way.

Organizing the Site

What I have is ton of worthless posts that no one will ever read. Those are for me and I want to keep them where I can look over them, or not as the case seems to have been for the longest time. It will require going through my blog and looking over all of my older posts. I can do it one of two ways, one way is to use a custom taxonomy, which I think will be wise while WordPress Mu is being transitioned into WordPress and the second way, which will be a bad idea right now, is to use the blog ID and create separate virtual blogs, like Mu.

Using the custom taxonomy, will allow me to physically separate the content in the theme. I have wanted to do this for when I wrote stories and scripts. Also, it will allow me to keep plugins and projects separated, but still on my blog. Actually, I hope to move my plugins under the dragonu.net umbrella and have absidongames.com, as a news site for the browser game development. This will limit my blog to just programming topics, stories, satire, and personal life (however, I’m doubt anyone will be interested in that). Any miscellaneous topics can also be on this site.

Not every topic is going to have ads. Having ads on posts about my personal life doesn’t seem ethical. Also, the only people who would be interested are my family and friends and they won’t be clicking on ads. That said, having ads on the computer, programming, and WordPress topics seems like a better place to put them. It is more reasonable and logical, because I would have ads on other sites for those topics. I just wouldn’t put ads on personal topic posts.

Ah yes, I also want to work on the photo albums and tag those as well. Some of those are going to be private and others are going to be public. The issue is that most of those will be of my family and won’t be public, unless you are my family.

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