Zero Credit

The image above represents something very important to me and I’m sure to most working people.  For the first time since about 2000 I have no credit card debt.  I paid off my last outstanding credit card in February and felt so ecstatic I almost had an orgasm!  Key word – “almost”.  But it’s still a great feeling.  Credit card debt has been one of my vices – along with alcohol and road rage.  Then again credit card debt has been the vice of many Americans.  Currently Americans hold approximately USD 1.13 trillion in credit card debt; an expense that worsened with the 2008 economic downturn and even more so with the COVID-19 pandemic.  (Ironically a Republican was president of the United States at the start of each fiasco, which may or may not factor into it – but that’s a different matter.)

I remember paying off a massive amount of credit card debt in 1998, along with the truck loan I had at the time.  And I was able to stay debt free until I lost my job at a bank in 2001.  Odd how those two things often coincide, isn’t it?

I always used to tell myself I just needed to earn more money.  I struggled constantly when I worked for that bank and I kept saying I should return to college and earn a degree.  I finally did that in 2007.  But after graduating in December 2008, the engineering company I was working for then couldn’t afford much in the way of salary increases because of – wait for it – the sudden economic downturn.  Damn!  Then I got laid off in the fall of 2010 and struggled somewhat as I tried to make my freelance technical writing career flourish.

But by then, I’d learned an even more important lesson: you don’t always solve money problems with money.  Indeed some people earn six and seven figure annual salaries and are always in debt.  It’s true, for the most part, that middle class incomes have shrunk considerably since the late 1970s; that is, in relation to the overall cost of living.  A few years ago economic statisticians finally confirmed what the rest of us lowly working class drones already knew – “trickle down” economics doesn’t work!  It never has and it never will.  Yet conservative politicians keep pushing that theory onto the masses, and many people keep falling for it.  That’s why I say my brain is too big to be conservative – with all due respect to my conservative friends and relatives.

In high school I was forced to take algebra and geometry and later wondered what purpose either discipline served.  Other than knowing the shortest distance between two objects is a straight line, I feel that the ability to balance a checkbook and figure out percentages (so you know how much to tip the bartender) are the only truly essential math.  Budgeting should be included.  It’s good to know how long a light year is, but it’s more important to realize that it’s not worth having a savings account if you have more in credit card debt.  Two plus two is so hard for some folks to figure out.

Regardless I’m glad I don’t have to wait for that zombie apocalypse to wipe out my credit card debt.  Reality is often better.

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Having Wes and Leo

Leo – in typical feline fashion – trying to remain calm, while adapting to his new surroundings.

A couple of months ago I made a major decision.  I decided to move my Uncle Wes* and his cat, Leo, in with me.  Wes is my mother’s younger brother.  He served in the U.S. Army in the 1960s and has been married only once; no children.  A proverbial wild man, he’s led a rough life and is now paying the price for it.  Bringing him here was no lightweight decision for me.  No one else has lived here with me since my mother died in June of 2020.  And Leo has the unique distinction of being the very first feline to step foot into this house.  Outside of the occasional stray cat venturing into the back yard, no cat has ever been in here.  Twenty years ago I underwent a formal allergy test and learned – as I’d long suspected – that I’m allergic to ragweed, mountain cedar and cat dander – among other things.  Other things include stupid people, but that’s a different essay.

Despite not being a people person, I guess it’s my nature to want to help people who sometimes can’t fend for or take care of themselves.  As cynical as I’ve become in my seven decades on Earth, a smattering of humanity still lurks deep within my soul.  Besides, I prefer to care for those closest to me.  I couldn’t stand the thought of Wes spending his remaining years in a state of uncertainty.  Like anyone who’s lived into adulthood, he’s made his share of mistakes.

Wes had been living in a dumpy, one-bedroom, one-bath apartment with no washer and dryer in a neighboring Dallas suburb.  Fortunately the laundry facility stood next door, but in an increasingly cashless society, he was frequently searching for quarters.  He had three cats at one point, but Leo is the only surviving one left.  On at least two occasions in the past year he fell in his apartment and couldn’t get back up.

Shortly after my mother died in June of 2020, a close friend told me my parents probably forgave me for never getting married and having children of my own; considering how I cared for them in their final years.  Perhaps because I’ve often wondered how – being an only child – I would have handled their health problems if I’d had a spouse and kids.  My paternal grandmother was fortunate; with seven adult children in her senior years, someone could always look out for her.

Thus, I have to think of what might happen to me if I get to be that age.  My grandmother was 97 when she died, and both my parents lived into their 80s.  Wes just turned 84.

I’m lucky if I hear from one of my first cousins and I only know a few of my neighbors.  I’ve heard plenty of horror stories of elderly and/or disabled people dyeing alone in their homes and lay undiscovered for weeks or even months.

In early 1991 I recall reading one chilling report from a town in Massachusetts – police had discovered the remains of an elderly woman in her home.  The most shocking fact of the case to me was that officials believe she died in July of 1989 because that’s when her banking transactions ceased.  Another startling attribute was that she had two adult children.  Her son admitted, however, that they’d been estranged from their mother for years.  Neighbors also emphasized what a recluse the woman was.  But, I asked myself, how could someone lie dead in their home for nearly two years before being found?

I’m a recluse; always have been and always will be an introvert.  I used to loathe that, but now I cherish it.  It’s just who I am.  The aforementioned friend had also noted years earlier that he feared I was becoming a recluse because I rarely left the house.  My mother was still alive at the time, and I feared leaving her alone because her mind was already sinking into dementia.

Whatever happens in the future, I’m glad I could get Wes to move in here.  We get along great, and it’s actually nice having someone else in the house.  It’s also nice having an animal in the house.  I just have to keep Leo off my bed!

*Name changed

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Charles Ray – Lifetime Achievement Award

Congratulations to fellow writer and blogger Charles Ray!

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March 2024 Literary Calendar

Events in the month of March for writers and readers

National March into Literacy Month

National Reading Month

Small Press Month

Famous March Birthdays

Other March Events

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February 2024 Literary Calendar

Events in the month of February for writers and readers

African-American History Month (U.S.)

Library Lovers’ Month

Famous February Birthdays

Other February Events

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Happy New Year 2024!

“May all your troubles last as long as your New Year’s resolutions.”

Joey Adams

“New Year’s resolution: to tolerate fools more gladly, provided this does not encourage them to take up more of my time.”

James Agate

“Year’s end is neither an end nor a beginning but a going on.”

Hal Borland

“‘Out with the old, in with the new’ is a fitting expression for a holiday that is based on vomiting.”

Andy Borowitz

“Happiness is too many things these days for anyone to wish it on anyone lightly. So let’s just wish each other a bile-less new year and leave it at that.”

Judith Christ

“I would say, ‘Happy New Year,’ but it’s not happy; it’s exactly the same as last year except colder.”

Robert Clark

“If you want an interesting party, combine cocktails and a fresh box of crayons for everyone.”

Robert Fulghum

“He who breaks a resolution is a weakling; he who makes one is a fool.”

Farquhar McGillivray Knowles

“I made no resolutions for the new year. The habit of making plans, of criticizing, sanctioning and molding my life, is too much of a daily event for me.”

Anaïs Nin

“The proper behavior all through the holiday season is to be drunk. This drunkenness culminates on New Year’s Eve, when you get so drunk you kiss the person you’re married to.”

P.J. O’Rourke

“Tomorrow is the first blank page of a 365-page book. Write a good one.”

Brad Paisley

“Come, gentlemen, I hope we shall drink down all unkindness.”

William Shakespeare

“It wouldn’t be New Year’s if I didn’t have regrets.”

William Thomas

“New Year’s is a harmless annual institution, of no particular use to anybody save as a scapegoat for promiscuous drunks, and friendly calls and humbug resolutions.”

Mark Twain

“My New Year’s resolution list usually starts with the desire to lose between 10 and 3,000 pounds.”

Nia Vardalos

“Youth is when you’re allowed to stay up late on New Year’s Eve. Middle age is when you’re forced to.”

Bill Vaughan

“Deep breaths are very helpful at shallow parties.”

Barbara Walters

“This New Year’s, I was going to make a resolution never to be late again, but I didn’t wake up until January 2.”

Melanie White

“Good resolutions are simply checks that men draw on a bank where they have no account.”

Oscar Wilde

“Making resolutions is a cleansing ritual of self-assessment and repentance that demands personal honesty and, ultimately, reinforces humility. Breaking them is part of the cycle.”

Eric Zorn

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January 2024 Literary Calendar

Events in the month of January for writers and readers

National Braille Literacy Month

Famous January Birthdays

Other January Events

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Well Life

In my essay last month about turning 60, I declared I’ll never get “old”.  But I also have to emphasize that I’m in a better place now than I have been in years.  Much of it, I’m sure, has to do with the job I landed this past August.  More importantly, though, I’ve realized that all I’ve endured during my seven decades on Earth hasn’t just brought me here – it’s made me who I am.  We all base our views of reality on our own life experiences, and it’s something that none of us can change.  It’s just a natural progression of life.

But, while we can never change what happened way back when – one vice that has always personally tormented me – we can make use of those experiences and go forward.  We have to move ahead.  We have no choice.

For me, I’m feeling the same way now that I did around the turn of the century.  Over a decade ago – as I reflected on my life to date – I recalled the excitement of the new century and the new millennium.  Overall, the 1990s was the best decade of my life – even now!  I had come into my own as a person; finally understanding that I’m better than even I realized at the time.  I don’t want to sound like a talk show victim, but I grew up shy and introverted; characteristics that carried into my adulthood.  I didn’t boast the same level of self-esteem as my parents – something they never could understand.  Making friends was easy for them, but it was a chore for me.

By the 1990s, however, I had come to realize I didn’t need a large gallery of friends to be whole and complete.  And eventually I accepted my introverted personality as perfectly normal for me.  Two years ago I got into a heated text message debate with a long-time acquaintance who insinuated my introverted nature is a sign of mild autism.  Excuse me?  He worked in the mental health field, so he knew all about those things.  I’m a tech writer, so I’m not familiar with autism. Yet to me, it’s one step above mental retardation.  I was offended – and shocked that he would make that assumption about me.  We were cyber-friends and had communicated for years.  But although we’d never met in person, I had believed he knew me well enough to understand who I am.  He kept trying to reassure me that he wasn’t labeling me as retarded; that retardation was a completely different cerebral condition.  But I remained unconvinced.

That I’ve never had many friends and I’m not a fan of my fellow humans is no indication of a mental disorder on my part.  It’s indicative that people generally have pissed me off to the point where I want little do with them.  That’s why the remote nature of this job is ideal.  I might add that my years of reading, writing, jogging and weightlifting have been extremely therapeutic for me; in other words, they prevented me from either killing myself or becoming a serial killer.

But the period from 1996 to the summer of 2001 was a time of personal renewal; a realignment of my spirituality and priorities.  The world seemed wide open, and the future looked endless.  I felt euphoric, perhaps even naïve.  I have that same feeling now, but I view it with greater caution.  I’m much older and won’t take anything for granted.  I know I have more years behind me than I do ahead of me, so I continue to pursue my various ambitions.  I’ve made it this far – thus I’m not going to give up on myself at this point.  I’ve given up on so many assorted dreams and projects in the past and almost gave up on life altogether.

And yet, I’m still here.  Everyone needs to understand they’re worth the troubles that life throws at them.  You’re all worth something.  Please understand that and keep moving forward.

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Creepy Christmas Photos 2023

This time of year – when everyone is supposed to express love for their fellow humans and hope for a more peaceful world – is also when the strangest elements of humanity seem to arise.  Happy freaky holidays!

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Merry Christmas 2023!

“I’ve learned that you can tell a lot about a person by the way he handles these three things: a rainy day, lost luggage, and tangled Christmas tree lights.”

Maya Angelou

“Christmas: It’s the only religious holiday that’s also a federal holiday.  That way, Christians can go to their services, and everyone else can sit at home and reflect on the true meaning of the separation of church and state.”

Samantha Bee

“It’s always consoling to know that today’s Christmas gifts are tomorrow’s garage sales.”

Milton Berle

“Santa Claus has the right idea.  Visit people only once a year.”

Victor Borge

“Christmas is a baby shower that went totally overboard.”

Andy Borowitz

“The main reason Santa is so jolly because he knows where all the bad girls live.”

George Carlin

“What I don’t like about office Christmas parties is looking for a job the next day.”

Phyllis Diller

“It’s easier to feel a little more spiritual with a couple of bucks in your pocket.”

Craig Ferguson

“It’s Christmas Eve! It’s the one night of the year when we all act a little nicer; we smile a little easier; we cheer a little more.  For a couple of hours out of the whole year, we are the people that we always hoped we would be.”

Bill Murray

 “There are three stages of man: he believes in Santa Claus; he does not believe in Santa Claus; he is Santa Claus.”

Bob Phillips

“I love Christmas. I receive a lot of wonderful presents I can’t wait to exchange.”

Henny Youngman

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