Tuesday, September 27, 2011

Banking Frustration....

I don't know how I did it, but I got my accounts hopelessly messed up. It comes down to partial charges by Amazon for shipments that I record when I place the order for the full amount, which they charge for only the amount that is shipped. Then, I compounded the error by transferring money several times in the wrong direction, or multiple times, (on my bookkeeping only) and then reconciling the accounts, which cleared out the detail.

I still have money in the bank, and the bank is basically right - I have an Amazon order outstanding, that was partially billed today. I have auto deposits coming in, and those will have to be recorded, as well. I'll just have to watch it carefully and make sure I don't go overdraft...

This happened because a portion of the first Amazon order didn't get shipped till after the second order started shipping, so I got the orders and figures mixed up. Then there was a transfer that was recorded to the wrong account, (at the bank and in my books) and is irreversible in my bookkeeping program.

I'm going to have to wait for the dust to settle, then do some journal entries to fix everything. Basically, no more debit card transactions or checks - only cash for a good 30-40 days. It will be tough, but I can do it. Dave Ramsey taught me how to live on cash. He's the best!

It's sure a good thing my debts are all paid up to date! I don't have to write any checks for a month!

Monday, September 26, 2011

Groundhog Day All Over Again....

I've had to Re-Do everything at least once for over a week now. It is really annoying to have everything backfire on you day after day. I'm trying to do homework, attend to my health and get enough sleep.

Instead, I'm wasting gas, money and time, having to re-do everything...

I went to the store. When I got home, there was a bag of canned goods missing. I looked everywhere in my car - no go. And I had to leave for class, so no time to go back for them... And not just canned goods at $0.75 a can, either, this was nuts at $4.79 or more a can. I got nuts to lower my cholesterol.... Yeah, Right!

I got ink at the office supply store. To save a little money, I got the refurb cartridges. One worked, but seemed low on yellow, so I tried the other one. No go - my printer can't even recognize the cartridge. I still haven't had time to get back there to have it replaced. I'm afraid they won't give me a replacement now, since it's been over a week, and I've lost the receipt in my bedlam...

My car got new back brakes on Weds. On Thursday night, I noticed a noise at the right front, not related. I got it to the shop on Friday afternoon, after a hellatious day trying to get stuff done, scared that the car would fall apart in the process. Well, driving off the lot, I've got metal-to-metal and now the car has to go back a third time to have that taken care of. It might just be a brake adjustment, or it could be he wheel bearing. I have a tow truck coming.

The tow truck? Another mess. I can't find the insurance card for my current insurance company. I found 3 years of cards for the old company, but nothing for my new insurance company. My agent hasn't returned my call, since he's not in the office yet, and I need to get cards.

Meanwhile, I'm still doing homework that I did wrong and have to re-do. At least it's not due till tomorrow!

I'm just so fed up! I hate to have this kind of stuff going on. I haven't seen it for years and I forgot how horrible it is when this happens. We laugh at Bill Murray in the movie, but when you are living this time in your life, it isn't funny. It just sucks!

Sunday, September 25, 2011

Self-Care and Car Stuff....

I got to order some books again today. I received 3 of the books I ordered last week, with one still on it's way. Today, I got to order 5 more. I'm chipping away at my list of holistic health books for my library. I saw one I still really want to get, but it will have to wait.

I also got some gardening and crochet, of course! And there was a really cool book about leadership that intrigued me a while ago, so I got that one, too. It's called "Tribe" by Seth Godin.

Amazon lists are really cool, if you haven't played with them, yet. Not only can folks order stuff for you that you really want, but you can order stuff you really want. It keeps the "wish list" of my life organized. And the size of clothes is always right because I chose the items myself.

Meanwhile, the poor car needs a wheel bearing tomorrow, so I'm not driving a whole lot right now. I had the back brakes done last week, and within 24 hours something happened at the right front. They took 2.5 hours to figure out what it was, and in the process, I think the wheel bearing finally gave out with all their messing around. It sounds really bad with metal-to-metal contact, so I don't want to drive much. I have one errand I MUST do later today, but that will be it. There is no way I would keep driving the car for even a week, as bad as it sounds. I thank God that there is money enough to fix the wheel bearing right now.

Just to be clear - they didn't cause anything to go wrong. I've been watching the wheel bearing, expecting something for about 6 months, and I'm just really grateful that the OTHER thing wrong with the front end can wait until January, when I get my new tires, and can be done with the alignment that will also be done at that time. It will be an expensive car repair, but with a Toyota, it's worth it. This car should last another 5-10 years, at least.

I got my handicapped placard on Friday, so I don't have to park in BFEgypt at school anymore. Thank Goodness!!!! That was getting pretty tough.

I hope you get to fulfill some of your dreams today or one day in the next week. It's always a good thing to take care of yourself.

Sunday, September 11, 2011

Job (Lack of) Market

I was just checking the local job market. There is NOTHING unless you want to get paid minimum wage. Even the stuff I've done for years at $10/hr is now paying only minimum wage. For somebody with over 30 years experience, that's really sad.

The only real solution is to make your own job - become entrepreneurial and make a business of your own. Maybe you will make it, and maybe you won't, but you have to try. That's the only way to make it anymore.

You can't count on an employer, that's for sure! They only want to pay the stockholders and line their own pockets with enormous salaries at the top. The "little guy" who is actually doing the work only gets a penny for their effort.

Now, I've been entrepreneurial for years, so I already have the mindset. But folks who are expecting to get an education, and then get a job, are really going to have a hard time of it. College doesn't teach you how to be the boss and make your own business decisions. It doesn't teach you how to take a risk, and what risks are OK to take, or how to evaluate a risk in the first place.

Some risks are just not worth it, while others are almost a sure bet. Each situation is different, and each person brings a different set of tools and skills to bear on each situation, so there is no rule about it.

You have to really know yourself, your abilities, your strengths and weaknesses. You have to know what you can tolerate, and how well you budget. You have to know if you can live on ramen or if you need meat every day. If you have kids, the stakes go up.

If you have a partner who is willing to make the same sacrifices as you, who is as dedicated to the business as you, then you have a leg-up on the competition.

And you have to know your abilities with technology, too! So much is done on the internet that you need to know and apply that to your business plan.

Well, good luck, is all I can say. Get out there and try it. You won't know if you are the next Edison or Ford unless you get out there and try it.

And don't take failure personally. Each failure is just a way that didn't work. Keep trying, change stuff around, try different things. Just don't give up. You have the perfect set of tools for something. It's just finding that something.

Friday, September 9, 2011

9/11: Ten Yars Later

On the morning of 9/11, I was blissfully sleeping, on the west coast of the USA. I had lots of things going on, and lots of irons in the fire. It all stopped cold when the Twin Towers went down. My life was turned upside-down within a month, and I lost everything. Maybe I didn't lose my life, like some good folks did, but my way of life was irrevocably changed forever.

Consider:
To take an airplane anywhere at all, I am subjected to invasive and prying security checks by an over-zealous protective force.

My internet and telephone conversations are illegally tapped and monitored.

We have troops half a world away, constantly in harms way, for something that is an illegal police action, started by a paranoid drunk and his buddies.

The news revels and recounts each death of the "enemy" and topples foreign governments without provocation.

We have a financial system in crisis, and we still can't move past whose fault stuff is.

All this in response to some terrorists blowing up a couple of buildings. Meanwhile, the political leaders who over-reacted are allowed to go free, when they deserve to be tried for High Treason and War Crimes.

What else but War Crimes would you call racial and religious profiling of a certain sect, in the Land of the Free, only to send them to a prison camp on foreign soil, to be tortured by foreign governments, under the flag of, and sanctioned by, this government?

What else but High Treason would you call lining your pockets from war mongering while still in office, while leading the country into a war for a personal vendetta that we still fight ten years later?

Make no mistake - The terrorists achieved their objective. They destroyed our way of life, and therefore our beliefs.

They won. We lost.

My personal battles are nothing compared to the greater losses this country has suffered, but that doesn't lessen the loss and grief I feel. I have NO intention of "commemorating" the date. I feel sick that some folks want to line their pockets from this. They should be ashamed.

A moment of silence, a single candle burning, the tolling of a bell, that's all that should happen. Not this media frenzy.

And let us cry. Stop telling us what to feel. Stop waving the flag. Let us feel our pain and move on. Let us mourn our dead. Bring home our troops and get them working again.

Stop pointing fingers. Who cares? Just get the job done. That is the American Way.

Thursday, September 8, 2011

Supplement Removal Experiment...

While I said earlier that removing the supplements was interesting, it hadn't been enough time yet to really see the difference...

Well, the only thing that seems to have been making a difference is the Triple Flex for my joints. My joints are all swollen, sore, and feel stiff. My knee is terrible, so I know that Triple Flex works, no matter what the ads say. For me, it works. So try it yourself if you have joint pain.

Otherwise, I haven't seen any difference. It's been 2 weeks. My urine is a light yellow, barely any color at all, but I drink a lot of water. I still don't sleep at night, and the hot-flashes are no different than if I was taking soy.

I sleep about an hour at a time, most of the time. I guess that's my history of napping taking it's toll.

The B-vitamin group made no difference at all. The pre-natal vitamins made no difference at all. My gut is still doing what it does, and I have more pain in my spine than before, is all. But who knows if the pain in my spine is from the supplements or from the Triple Flex?

Oh well, I guess I'll go back on that and leave the rest up to God...

I hate tooth pain!

Tooth pain sucks! I know I need to see a dentist. I've known it for a while. My tooth needs to come out. Actually, I need about 5 pulled right now. I'm holding on as long as I can till I can have it done. Meanwhile, lots of clove oil...