Saturday, June 16, 2018

Goals for Relationships

First off, let me drop a definition from an online dictionary:


a connection, association, or involvement. connection between persons by blood or marriage. an emotional or other connection between people

There are too many people who think that word only refers to romantic love interests. But there are, or should be, more types than that in a person's life. Today I'm setting goals for the suggested categories, plus one that I added.



Short term:

  • Plan LVPANANO game night
  • Figure out when I'll be able to see my best friend (who lives 8 hours away)
  • Be there for my friends as we go through life
  • Jackman T πŸ“–πŸ’—πŸ’™πŸ’œ
  • Keep in touch via social media

Long term:

  • Manage to hang on to my best friends until our funerals


Short term:

  • Snuggle more
  • Get a medical birth control method back
  • Keep trying to help my husband to eat healthier
  • Be better at budgeting

Long term:

  • Live a good life together
  • Keep being thankful I have John


Short term:

  • Keep asking for an update on my grandfather
  • Keep in touch with certain/ most members via social media
  • Find out if I'll get to see my dad on Father's Day
  • Plan something for my birthday to hopefully see my family
  • Celebrate Billy & JJ graduating next year

Long term:

  • See my brother be happy and loved
  • Accept that I did what I could to make one of my parents' dreams come true


Short term:

  • Enjoy Katie's kitties
  • Write Congress again after the next election to ask for better laws to prevent people from buying horses here to ship abroad to meat factories 
  • Try lab-grown meat when it becomes available and competitively priced 

Long term:

  • Adopt a cat (after moving)

This post is part of a series.

Friday, June 15, 2018

Goals for Health

There are differences between goals and wishes. Goals should be something the setter can influence, cause, or do on ones own. Wishes are something that one hopes will be granted, but has little to no chance of causing it to happen.

When setting goals for my health, this distinction is especially important.



Short term:

  • Survive the summer by avoiding the heat as much as possible
  • Get in the pulmonary rehab when the heat ends
  • Stick to low sodium diet
  • Get new glasses
  • Get new birth control
  • Make more effort to drink 64 oz of water a day

Long term:

  • Create a survival plan for global warming
  • Stick to health courses of action to keep me alive to 70 or 75


Short term:

  • Journal (love to Jackman T)
  • Get a living will written
  • Update my emergency contact information
  • Don't let depression win this summer
  • Remind myself that winter will come, so don't let depression win
  • Keep telling myself that it will pass, and it will get better, because hot days will end
  • Allow myself to not cry for more than 15 minutes a day this summer when mourning my former self
  • Keep filling out my year color chart from Katie
  • Hang with writer friends weekly (as weather/ etc permits) 

Long term:

  • Have enough passive income to pay for regular psych therapy
  • Create a "Retirement"/ Older Living plan
  • Plan for after-death
  • Keep advocating for my elected representatives to give me better healthcare
  • Keep doing Luminosity game to retain mental acuteness  


  • Get my handicapped placard (applied with application from my doctor)
  • Not needing any new medications
    • Be able to afford any new medications I end up needing
  • Lungs all healed/ fixed
    • Get back to weighing 130 lbs
    • Be able to lift 50 lbs overhead again
    • Be able to bench/lift 250 lbs with my legs again
    • Be able to walk for six hours outside in a summer day again
    • Not be terrified of doing most things because it could be hard to breathe

This is one post in a series.

Thursday, June 14, 2018

Goal Setting Template

First, a short personal recount:

I was just working on a character sheet for a fictional story character. I have a premade template. Just pop down the list, boom boom boom. Get the the short and long term goal section (of my character, not yet of the story or whatever). Twenty minutes later, she's got ten of each. No problem. Rolled right off my fingertips.

Mini rant:

Why was it so easy to give my fictional character a pile of goals but I currently have next to none for myself??? "Don't die yet." That's pretty much it, and some subset goals that directly relate to that goal or clarify it better.

I'm going to attempt to set some goals for myself. 

Step one is creating this template.
Step two is publishing this post, which will encourage me to come back to fill out the template (later post). 

types of goals image
Credit: James Doyle of Jamso



Short term:

Long term:


Short term:

Long term:



Short term:

Long term:


Short term:

Long term:


Short term:

Long term:


Short term:

Long term:


In the next 10 weeks

By January 2025

By January 2050



Short term:

Long term:


Short term:

Long term:

Time Passing

Short term:

Long term:

Education -


Short term:

Long term:

Study/ Career- 


Short term:

Long term:


Short term:

Long term:



Short term:

Long term:


Short term:

Long term:


Short term:

Long term:


Short term:

Long term:



Short term:

Long term:


Short term:

Long term:


Short term:

Long term:


The HTML of the template I used:
Well, that's a start at least.

Tuesday, June 12, 2018

Economic Terrorism

For those of you who haven't seen the ink stamp going around certain circles of America, or more accurately- MERICA, you may want to look that up before reading onward.

If someone is using this stamp and stipulating that any bill they put it on (the suggested 20, or the hilarious 5 from the meme that mocks this hardest) is BURNED with them when they die, okay. Not buried, because a grave robber could dig it up. As long as the bill will never go back into circulation again, then it's fine. Break that little law.

HOWEVER, anyone who is going to put the bill into circulation, here's why that's not patriotic and IS ECONOMIC TERRORISM. Every bill printed by the US Treasury has a predicted lifespan. Bills in circulation eventually make it back to the bank. If it is defaced, such as with that stamp, the bank cannot recirculate it. They have to turn it over to the Treasury Department, who has to destroy it and then have another printed to replace it. The predicted lifespan of bills determines how much of our tax dollars are needed for the creation of new bills and destruction of old or defaced bills. Exponentially increasing the amount of bills that need to be destroyed will increase the cost in tax dollars to US taxpayers. Therefore, it becomes economic terrorism. And terrorism isn't patriotic.

When you hate someone or some group (Obama, anyone who isn't "white") that you're willing to tank your own economy, to cost yourself and others an increase in taxes, you have a problem.

Which could easily lead me to another rant about Net Neutrality. The only people in favor of killing it are the ones who will make a ton of money off the deal (a VERY tiny percent of the One-Percenters), and the people who think that paying more money for Internet services is worth it because it defeats something Obama did.

Monday, June 4, 2018

Do We Need Diverse Bakeries

Maybe someone will open a bakery with a, "no racists, Supremacists, Klan members, Nazi's, or their supporters served here." I mean, really, are we going to have to start booking wedding services with, "hello, do you support all people or only certain ones?" Do #WeNeedDiverseBakeries πŸ€” NBC news story

Tuesday, May 29, 2018

European Union disclaimer to the best of my ability

"European Union laws require you to give European Union visitors information about cookies used and data collected on your blog."

This blog uses Intense Debate to deliver comments to my email inbox. This is what the email looks like when I see it:

Intense Debate email image

It does NOT tell me what website you've come from (sadly, because that would make reply commenting SO MUCH EASIER). I'm fairly certain the email it shows me is whatever you personally write in there, but I honestly don't know.

I read the emails. Sometimes reply, as it turns it into a reply comment on my blog, and then I delete them. I don't keep your email address or any of that. I do use gmail, so however Google "deletes" deleted emails is how it gets deleted. (Please don't go all "Hillary Clinton debate" about this on me, because I'm not qualified to answer questions about what or how deletion works.)

I'm not personally keeping your information. I don't think anything on this blog does, but I have no idea how BlogLovin' or Intense Debate works. If you feel the services may be an issue, it's okay to not leave me comments, or even to not visit. I won't take it personally.


Sunday, May 20, 2018

Society is not ready to discuss the fate of the unborn or their parents

This is a political post.

I'm not really on either side of the "pro" argument. I don't think my country is ready to have such a discussion. Anywhere and anyone that is unable to address the majority of causes of a problem is NOT ready to discuss the only current make-shift bandage that exists. Also, medical decisions are between medical providers and their patients  (or authorized representative); not government officials and protestors.

Clean up the REASONS before discussing it. Yes, some women may still make the decision. Outlawing it won't change that. But solving the worries that often lead to such a choice will SIGNIFICANTLY REDUCE the number of times a certain medical procedure is needed.

Tuesday, May 15, 2018

Reflection on #AtoZchallenge 2018

#AtoZchallenge 2018

View from my hospital room
Mirror selfie from hospital

This post might be a bit depressing. The challenge ended, and I managed all the posts. HOWEVER, I landed in the hospital by May 3, and was there for a few days. Yeah, I had a great view (once they found me a room... I spent the first night in the Emergency Room because there were no beds -- in a hospital with four wings and nine floors, there wasn't a telemetry bed). I am home now.

beta blockers and depression

After the hospital stay, I was put on meds with "beta blockers." I've looked this up on the Internet, as well as discussing it with one of my doctors, and apparently I'm not alone in feeling depressed when taking these. Like I can't ignite my fire, can't find my passion, feel dead inside.

Which is why I hadn't written my reflection post.

Or done more commenting, as I had intended to do. (I wasn't doing so well before I went to the hospital, so that also put a kink in things.)

I feel like I'm behind on my goals. But hey, I'm writing this post now. And I took the survey. So one day at a time, right? First step in a journey or some quote for motivation and inspiration. I also can't keep a damn thought in my freaking head.

#atozchallenge survivor 2018

Only A to Z could use this word for me. Okay, I guess technically the hospital could too, since my blood pressure might have been above a lethal number. (Might, because I recently learned that the automatic cuffs tend to be off by 60 to 90 points on my top number, and that's what they used.) But I managed all of my posts, so that's something.

reflections #atozchallenge

I spent the month of April writing about coffee, comparing different ones based on my flavor profile. The doctors now say I'm limited to ONE cup of caffeine a day. "It could be worse."

Yeah, it could. But add in the drugs that make me feel like a Dementor has moved into my body, plus less caffeine, and I'm not doing so great. Sorry. 

I can't think anymore thoughts, so I'm going to stop typing now. 

Sunday, April 29, 2018

Letter Z #AtoZchallenge Coffee Theme

#AtoZchallenge 2018

Welcome to letter Z of my Coffee Themed blogging from A to Z challenge 2018 offering.


Yesterday I showed you a coffee drink only available in December. Today I'm bringing you one that's only available for Halloween. Zombie Frappuccino from Starbucks. 

What? Did you just point out that this doesn't come with actual coffee? But it's from a coffee house! I don't have a picture of it, but two days after I ordered this drink, I ordered it again, this time adding a shot of espresso. I liked the taste. You may or may not. 

But if a zombie is going to eat my brain, I'd like them to end up with a caffeine buzz afterwords. That, and a lot a philosophical questions. Or questions about how the world could be improved. These are things I blog about when it isn't April. If that's not your "jam," okay, I won't take it personal. If that stuff might interest you, give me a follow.

Saturday, April 28, 2018

All the same at the end

The attorney approached Jayne Ann Smith, who was fidgeting in the stand.

"Miss Smith, you claim my client robbed you, is that correct?"


"What were you wearing at the time you were robbed?"

Jayne Ann raised her eyebrow. She waited for her attorney to object and ask the relevance of the question. She waited for the judge to intervene. No one did. "A yellow sweater and black slacks."

"Yellow? That's a bit of an attention-getting color, isn't it?"

"I guess it could be." Again, Jayne Ann looked around, wondering why no one thought the line of questioning was irrelevant.

"So you were aware that, in wearing yellow, you were drawing attention to yourself?"

"It's a sweater. I have the same one also in blue. There was a sale."

"You weren't wearing blue; you made a choice to wear yellow. That's correct, isn't it?"

Jayne Ann rubbed her elbow. "Yes."

"Now then, were you wearing anything else?"


"Was the sweater and slacks all that you were wearing when you entered the grocery store that day?"

"Well, no. I had on shoes."

The attorney nodded. "Any other information you're leaving out in regards to what you were wearing?"

Jayne Ann no longer knew what was relevant. "I had on silver earrings shaped like triangles. And underclothing, of course."

"What sort of underclothing?"

"A bra, panties, and stockings." She crossed her arms over her chest.

"What color were they?"

"Seriously?" Jayne Ann looked around the courtroom. No one cared why someone would ask such a question.

"Yes. Answer the question."

She had to think about it. "I believe my bra was white with a pattern of silver swirls. And I think my panties were beige. The stockings were nude."

"A bra with a pattern, certainly something meant to be seen. And beige panties and nude stockings. Almost as if you weren't wearing the coverings at all. You might well have been luring my client into robbing you. "

"What? No. My underclothing was all under my clothing. I did not intend for anyone else to see it."

"So you claim. Now, Miss Smith, had you ever gone to that grocery store before?"

"Yes. I shop there regularly."

"How often is that?"

"About once a week, I suppose. Sometimes twice, if I've forgotten something."

"Grocery shopping every week! That's quite frequent. It sounds to me like you were asking to be robbed, being a regular shopper. Miss Smith, were you, in fact, hoping to be robbed?"

"No one hopes to be robbed."

"I didn't ask about other people. There are, in fact, certain groups who enjoy playing out robbery scenarios. Perhaps you're one of the members of such a group? Have you ever played such a scenario?"

Jayne Ann felt her face turn bright red. "What one does consensually in the privacy and safety of one's own home should not matter. It is not the same as being robbed by a stranger."

"So you have thought about being robbed. Perhaps you were sending signals to my client. The yellow the sweater, the frequent trips to the store. Is it possible he could have interpreted your actions as an invitation to rob you?"

"How would I know his state of mind?" Jayne Ann seriously wondered how this line of questioning was allowed to continue.

"Is it possible that you hoped your signals would result in my client approaching you for money?"

"No. I did not want to be robbed." The statement felt so obvious to her that she felt her stomach churn as she said it. How was it even a question?

The next person took the stand. Karl Darling, who also alleged that he was robbed. Karl's experience had been caught by a security camera.

"Are you gay, Mister Darling?"

"Excuse me?"

"It's a simple question. Are you gay?"

"I've been married to my wife of thirteen years. We have five children. No, I'm not gay."

"But have you ever been gay? Ever dabbled in the same sex?"

Karl looked around the room. The question had no relevance to his being robbed. But he was required to answer it.

"I was in the theater in college. I played a gay character in one play. My co-star and I rehearsed our kiss scene. He confessed to having feelings for me. I thanked him politely, but declined an off-stage romance, as I did not share the feelings."

"But, perhaps, you did have those feelings for my client? Perhaps you've been wondering all these years what it would be like if another man, a different man who wasn't an actor, were to kiss you. Maybe more. Did you initiate contact with my client at the store?"


"Did you initiate contact with my client at the store that day?"

"Oh. Well, yeah, I guess. I probably said hello or asked him how it was going when we stood in line together."

"So it's possible you were giving my client a signal that you wanted to be robbed?"


"Have you ever  been robbed before?"


"Are you certain? Isn't it true, Mister Darling, that in the seventh grade, you accused William 'Bobby' Miller of stealing your baseball cards from your back pocket?"

"What?" Karl scratched the back of his neck while he thought back. "Oh, yeah. That was school thing. Bobby didn't hold me up in store. He took baseball cards from the back pocket of many of the guys."

"But perhaps you missed that thrill."

"It wasn't a thrill. That was why I reported it and asked the principal to make Bobby stop reaching into my back pocket."

"In the video, where you're allegedly being robbed, you turn around. Were you showing my client your back pocket."

"He told me to turn around. It was turn or be harmed."

"It had been so long since another man reached into your back pocket. And years since one kissed you. Perhaps you were sending signals to my client, hoping he would rob you."

A third person took the stand. Then another. And another. Each time, they were asked what they wore, how often they went to the grocery store, if they'd be robbed before, if they'd ever thought about being robbed, and other such questions that seemed irrelevant.

In the end, the jury asked how to define robbery. The twelve people were no longer sure, as perhaps people were asking to be robbed.

Oh, and then someone pointed out that the crime wasn't robbery, it was rape. But that doesn't matter, because alleged victims of either crime are always asked the exact same questions anyway. It is a justice system, after all, and crime is crime, no matter the name. That's why courtrooms hold seances to ask the dead what they were wearing when they were murdered and to double check if the person wanted to be murdered. It's just something an attorney has to know.

Friday, April 27, 2018

Letter Y #AtoZchallenge Coffee Theme

#AtoZchallenge 2018

Welcome to letter Y of my Coffee Themed blogging from A to Z challenge 2018 offering. You might expect me to have a coffee from Yemen to share today. Alas, I do not. I'm making do for today. Please enjoy my Yule time coffee post.

yule time coffee

Hmm, it looks like a fair amount of that coffee vanished faster than the phone could take a picture. No idea how that could have happened. This coffee came from the coffee area at Wegman's grocery store. It was called Xmas Cookie Coffee. (Yes, I could have used this yesterday, but here we are.) It was covered with whipped cream and sprinkles. There was a thin, crispy cookie on top. Sugar high? Probably. Okay, definitely. This is a "cheat day" kind of beverage.

Wegman's coffee shop

#AtoZchallenge Y

See you tomorrow.

Thursday, April 26, 2018

Letter X #AtoZchallenge Coffee Theme

#AtoZchallenge 2018

Welcome to letter X of my Coffee Themed blogging from A to Z challenge 2018 offering.

Tully's French Roast Dark EXtra Bold

Again with using a letter from somewhere in the name... Sorry, I know it's a bit of a stretch.

And, once again, I'm sharing a flavor that my pallet didn't like. It, to me, tasted like horribly burnt toast which soaked up some day old coffee, and then was put in a Kcup to be brewed. Adding creamer did not solve the issues.

How about if I talk about some other coffees? Okay.

#atozchallenge x Nitro brew coffee

Nitro cold brew coffee from Wegman's looks like a cup of Guinness. It's creamy and delicious, which I didn't expect since I'm normally not a fan of cold brew. I added a shot of Irish cream syrup to mine.

#atozchallenge x Cracker Barrel Goo Goo Cluster image

I went to the Cracker Barrel coffee tasting. I did not care for the Goo Goo Cluster. It had no sweetness. And I know what you're probably thinking, "Uhhh... it looks like sugar on sugar with some added sugar on a cloud of sugar with drizzled sugar...?" Yeah. It LOOKS like that. But, like unsweetened chocolate, it is deceptive. I'd forgive that if at least the coffee had a strong flavor, but no, it tasted like room temperature cream with a splash of coffee. 

#atozchallenge x Cracker Barrel Goo Goo Cluster drink

Looks pretty though, doesn't it?

#atozchallenge x Cracker Barrel caramel latte

So I told my server. I wasn't the first person on tasting day to experience this issue. She brought me a FREE caramel one instead. Ooohhh yes, this was the good stuff. My flavor profile was pleased. It would be better if the coffee was hotter, but that might just be me. 

#atozchallenge x mms

In another post earlier this month (Letter M #AtoZchallenge Coffee Theme #MadeWithM), I mentioned that I hadn't found the current coffee flavor to try. I've since resolved that issue. Crunchy Espresso M&M's taste, well, exactly like the peanut coffee ones, but without the peanut. It's not as strong as chocolate covered coffee beans (which I'm a big fan of), but it's a fun candy. I'd rather drink a cup of coffee, but that's me.

#atozchallenge x Coffee

My flavor profile is E or F. If I'm at D, it's because I don't like the coffee. If I'm all the way at C, I don't like the coffee at all and am only drinking it out of desperation for caffeine. If I'm at B, all the whipped cream has melted into my latte or something. As far as A, that means I've time traveled back to when I was seven years old and my Aunt Fluffy would allow me milk with a taste of coffee. 

#atozchallenge x

Wednesday, April 25, 2018

Letter W #AtoZchallenge Coffee Theme

#AtoZchallenge 2018

Welcome to letter W of my Coffee Themed blogging from A to Z challenge 2018 offering.

Newman's Own Special Blend (Extra Bold)

Yes, it's a bit of a stretch. But I don't know any countries that start with the letter W. Washington state has Seattle, which is a city with a lot of coffee shop culture. Anyway, this is as close as I'm getting right now.

By itself, this seemed too bitter for my flavor pallet. I added cream, and it improved the situation. However, I wouldn't get this one again.

#atozchallenge W

Tuesday, April 24, 2018

Letter V #AtoZchallenge Coffee Theme

#AtoZchallenge 2018

Welcome to letter _ of my Coffee Themed blogging from A to Z challenge 2018 offering.

Folgers Vanilla Biscotti.

For my flavor profile, this was a fail. Normally I'm a big fan of Folgers. But not this time. It was far to weak, and creamer made it worse. It was more like a coffee flavored beverage than coffee.

#atozchallenge V

Monday, April 23, 2018

Letter U #AtoZchallenge Coffee Theme

#AtoZchallenge 2018

Welcome to letter U of my Coffee Themed blogging from A to Z challenge 2018 offering.

You'd think I'd have found coffee from:
  • Uganda. (They grow coffee.)
  • Ukraine. (Kiev loves coffee.)
  • United Arab Emirates. (Dubai could have had some "qahwah", the ancient Arabic word for coffee.)
  • United Kingdom. (Read A History of the World in 6 Glasses before you judge.)
  • Uruguay. (Maybe it would have been from Argentina.)
  • Uzbekistan. (They have some shops.)

But no. So I'm stretching it today.

Caribou Blend, Medium Roast

My flavor profile found this to just be okay. Not bad, not great. Average.

#atozchallenge U

Letter T #AtoZchallenge Coffee Theme

#AtoZchallenge 2018

Welcome to letter T of my Coffee Themed blogging from A to Z challenge 2018 offering.

Gloria Jean's Butter Toffee Flavored Coffee. Here's the thing...

I love toffee. I am all about toffee candies and treats. And Gloria Jean's was my favorite coffee shop when I lived in Philadelphia. So putting these two favorites together perhaps gave me high expectations.

I was met with disappointment. The coffee proved too weak for my flavor profile. I tried adding creamer. Normally adding creamer to a weak coffee makes it worse. In this case, it improved the situation. Still, this isn't a flavor I'd buy again.

#atozchallenge T

Friday, April 20, 2018

Letter S #AtoZchallenge Coffee Theme

#AtoZchallenge 2018

Welcome to letter S of my Coffee Themed blogging from A to Z challenge 2018 offering.

Green Mountain Southern Pecan.

For my flavor profile, this was decent. It tasted nothing like a pecan pie, which perhaps explains my disappointment. Closer to a pecan that has been slightly burnt, that's how I'd describe this taste. Creamer helps.

#atozchallenge S

Letter R #AtoZchallenge Coffee Theme

#AtoZchallenge 2018

Welcome to letter R of my Coffee Themed blogging from A to Z challenge 2018 offering.

Psst... you know what's kind of special? I'm the guest blogger on the A to Z page today.
R is for Ripples #AtoZChallenge

Van Houtte Cafe Raspberry Chocolate Truffle. For my taste profile, this is a fantastic choice. There's a hint of acidic taste, but it's mostly smooth. Creamer takes it over the top. Smells like dessert.

#atozchallenge r

Wednesday, April 18, 2018

Letter Q #AtoZchallenge Coffee Theme

#AtoZchallenge 2018

Welcome to letter Q of my Coffee Themed blogging from A to Z challenge 2018 offering.

Grove Square Cappuccino, Hazelnut

How is that a Q? Well, uh, there's a Q in the word SQUARE, and, umm...

Just drink the cappuccino and stop thinking so much!

Is it as good as going to an actual coffee house and having someone brew it fresh? No. But you know how that cappuccino tastes three minutes later? (Unless you like having your mouth scalded...) That. That is how this tastes. So maybe not the first sips of the "real thing," but those last ten sips. 

Letter P #AtoZchallenge Coffee Theme

#AtoZchallenge 2018

Welcome to letter P of my Coffee Themed blogging from A to Z challenge 2018 offering.

Crazy Cups Flavored Coffee Seasonal Pina Colada

Fantastic scent! Tastes good with or without creamer. Low on acid, high on tropical party in your mouth.

If it's caught in your head, listen to the whole thing. It's the only escape from ♬Escape🎝.

Monday, April 16, 2018

Letter O #AtoZchallenge Coffee Theme

#AtoZchallenge 2018

Welcome to letter O of my Coffee Themed blogging from A to Z challenge 2018 offering.

Marley Coffee, One Love, 100% Organic Ethiopia Yirgacheffe, Medium Roast

This was pretty good coffee. Is it my "one love"? Well, not exactly. But still, it was pretty good. Adding creamer watered it down too much. So I'd suggest, if your flavor profile is similar to mine, that you drink it black.

See you tomorrow!

Letter O #atozchallenge

Sunday, April 15, 2018

Letter N #AtoZchallenge Coffee Theme

#AtoZchallenge 2018

Welcome to letter N of my Coffee Themed blogging from A to Z challenge 2018 offering.

Green Mountain Coffee Nantucket Blend.

I found this to be an average coffee, for my personal taste profile. Not especially good (I wouldn't buy it again), not especially bad (I wouldn't turn down a cup if it were the only option), just average. Creamer did nothing to improve or worsen the taste.

Tune in tomorrow for another flavor.

Is the Government Lying to the Bankrupt and Why

Multiple people I know have had to declare bankruptcy this year. Health care costs and reduced income are the biggest reasons.

If you have never had to declare, good for you. But if you're an American, you pay taxes, and some of those tax dollars goes toward this.

There is now a requirement that people take a course before and after. Your government REQUIRES they do this.

At first, I thought it sounded like a good idea. It sounds like something that could help people.

Then I witnessed it. One of the bankrupt people I know doesn't have a computer or Internet, so he came over to use mine.

The before stuff made sense. It is designed to help people make a budget. Figure out if they'll be able to deal with bills and such after bankruptcy. Very logical, mathematical, and sensible. Good information.

But then there's the after course. The person using my computer opted for the less expensive written version. So I saw this, written in black and white. I didn't mishear a video.

There is a section that, not subtly, suggests the reason people go bankrupt is because they aren't investing properly. Okay, I can see that as a possibility. But then it says that people should take $100 and invest it. Not easy, but okay, it's a round number. Then it shows how that starting $100, at a 10.5% interest rate, will grow over the years. And the idea is you keep adding every week.


It starts with ONLY $100.

With ONLY $100, invest it somewhere that is guaranteed to earn 10.5% minimum interest rate for the next decade.


Giving it the benefit of the doubt (my massive, massive, insanely over sized doubt), I began researching. That percentage rate is available in a bank in Vietnam, but you have to be a citizen and meet other requirements, and a bank in Argentina, but you need a MUCH larger deposit, way more zeros.

I've taken a few classes on money management and investing. (One from The University of Geneva.) So I had an idea of what I was looking for, but I couldn't find anything.

After several hours of searching, I decided to see if someone in the finance field knows:

Question on @Quora: What has a guaranteed minimum 10.5% interest rate with only $100 starting investment?

You should check out some of the answers. But, basically, the replies are a unanimous no. I think some of the people wondered if I was living in fantasy land.

But if you don't put $100 somewhere that makes 10.5% interest, ... bankruptcy.

If you were doing that, you'd be able to afford cancer treatments and expensive drugs because you could live off the interest.

Did that sound mean? Did that sound condescending and insensitive?

Guess where I got it from.

Look up information on the course. It isn't from the 1950's or something. This just came out. It isn't old information.

What should be a useful class has turned out to be victim blaming. It suggests that YOUR PROBLEM is that you haven't done something which is currently not in existence. I'm not okay with that.

There should be real solutions. If the course wants to suggest this $100 opener getting 10.5%, there should be a "click here to use this magic unicorn bank to grow your funds!" No one has to use it, but at least bankrupt people would have an opportunity to use the imaginary plan. As it is, they go out to a regular bank and discover that less than 1% interest is all that's available. So they aren't going to invest. That's how the problem gets worse. 

As people tend to feel shame when it comes to bankruptcy, no one is talking about this. People are just out there feeling guilty that they can't find a 10.5% interest rate investment. So, today, on this little blog, I've shared the reality with you.

Please don't blame yourself if you take $100 around America looking for a place with a 10.5% interest rate to invest it and can't find anywhere.

But hey, if you do, let me know!

Friday, April 13, 2018

Letter M #AtoZchallenge Coffee Theme #MadeWithM

#AtoZchallenge 2018

Welcome to letter M of my Coffee Themed blogging from A to Z challenge 2018 offering.

From my Instagram

Ah yes, Coffee Nut M&Ms. I was so excited when my friend finally found these so I could try them.

Now I have to find the new espresso flavor!

In the meantime, I have an M coffee to blog about.

Chock Full o'Nuts Midtown Manhattan Coffee.

I found this to be pretty good. Strong, only slightly acidic. Creamer did not alter the taste too much. I'd recommend it. Not my very favorite, but in the top 10. It tastes the way coffee scented candles normally smell, if that makes sense.

Thursday, April 12, 2018

Letter L #AtoZchallenge Coffee Theme at Crystal Lake with the Voorhees family for Friday the Thirteenth

#AtoZchallenge 2018

Welcome, Campers!
It's letter L day here at CAMP CRYSTAL LAKE!
We're excited to bring you this brew as part of the Coffee Themed blogging from A to Z challenge 2018 offering.

There's a rumor that this Lake and Lodge by Green Mountain is the very coffee drank by Pamela Voorhees!
It's probably not true. Then again, her son Jason seems to be brewing up something other than trouble.

Letter L #AtoZchallenge Coffee Theme at Crystal Lake with the Voorhees family for Friday the Thirteenth

Nice work.
Dude, is that goalie pissed about something?
It's certainly not the velvety smooth texture of this coffee!
Straight up delicious, with or without creamer. Excellent aroma. A favorite around here.

Letter L #AtoZchallenge Coffee Theme at Crystal Lake with the Voorhees family for Friday the Thirteenth

The only person we know who doesn't enjoy this brew is Roy Burns.
He likes his coffee to sit around for hours, getting all thick acidic. Then he pretends that someone else made it.
Take credit for your own work, Roy!

Mr. F. Krueger is out to destroy the whole Keurig empire. He says it's because people need to sleep.
We think it's just the similarity between names.

Until next time, campers! And remember to stay out of the water if you can't swim.

Wednesday, April 11, 2018

Letter K #AtoZchallenge Coffee Theme

#AtoZchallenge 2018

Welcome to letter K of my Coffee Themed blogging from A to Z challenge 2018 offering.

I struggled with this. "Surely I must have tried a Kona blend!" But no, none were on my K-cup list.

And then the obvious answer hit me.

Keurig B70 Platinum Brewing System

Oh look, THERE'S the letter K!

I realized I could use K day to tell you which brewer I'm using. It goes well with the discussion from yesterday about how certain pots (Shocky) can alter the taste of coffee.

I use to work at an ad agency that had terrible coffee. My boss insisted I dump out the pot at the end of each day, and fill it with this blue liquid which was to soak overnight. Then rinse in the morning and make a new pot. We wasted a lot of coffee because that stuff was I'd call a "desperate brew." Something only to be drank if you had no other caffeine options.

There was no Keurig single cup brewing system back then.

For better or for worse, I drink a lot more coffee and hot tea than I did before I owned this. "Brew an entire pot? All for myself?" It's a commitment thing. Because, see, I feel bad then if I don't drink it. But sometimes I really do just want one cup. That's it. I'm good. And I love that this machine gives me that option.

If I want a second cup, no problem. Just toss in another pod and wait for a minute. Sites that say it takes 4 minutes to brew a cup are counting "boot up" time. I keep my maker on a timer so it's turned on during my normal beverage-brewing hours. And yes, it takes only one minute to make one cup. The only thing I need to wash afterward is my cup.

(Yes, the tank and the overflow stand and the inside cup part get washed from time to time as well, but I don't need to clean them every day/ every 8 cups. Unlike my old coffee maker.)

There are lots of single-cup brewers out there. I have this one because it was from an award catalog my husband got from work. "Pick out your anniversary present, dear," he said to me. So I did. And we've had many happy years together. (The we meaning either my Keurig and I or my husband and I. LOL.)

With my hubby at Starbucks

See you tomorrow!