Tag Archives: Loan

Define Real – Define Normal

normalWhat is real, what it normal?  Been trying lately to figure out how I held it together through 5 decades of an undiagnosed mental disorder, with the double whammy of born and raised in an extremely dysfunctional family of origin. For a long time I pictured us as American Gypsies who tend to bumble around on the fringes of society. Looking back at this – how I managed to cope was having a few basic goals, and basic things I did not want.

Today I’ am defining real or normal as what worked for me. Using the classic “if –then” scenario, I defined what I needed to feel normal. Examples; IF I want a roof over my head – THEN I need money. IF I don’t want to pass go and head directly to jail – THEN I need to procure money in some sort of legal way. IF I leave my coffee outside for 2 hours – THEN it will have drowned bugs and dead leaves floating in it. It’s almost too simple.

Wants or Needs:

  • A roof over my head

A roof in this case is defined as attached to the ground, on at least a semi-permanent basis. It must belong to me via rental, lease or ownership, and come with attached walls, windows, a bathroom, and lockable doors. This excludes car ports, tents, card board boxes under a bridge, or attic space in the garage.

Yes, I actually tried the attic route at my grandmother’s house for a few days long long time ago. I was sort of homeless at the time because I made the drastic mistake of leaving one place of residence before securing another, but couldn’t handle being in the same house with her. She would say annoying things like she could live for a month on what I spent on beer and cigarettes in week. It was particularly annoying because I didn’t define what she was doing as “living.” Existing maybe, but certainly not living. I thought I was living. Uh yea, living in a crawl space of a garage attic barely even counts as existing. Pffft, we all suffer from delusions from time to time.

  • A car

I wanted a car because I did not want to depend on public transportation. In most American cities public transportation is atrocious at best. One ends up spending hours either freezing or frying at a bus stop waiting for a bus that may or may not grace you with its presence. This car should belong solely to me. Not one that I could beg or borrow on occasion at the whim of the true owner. I wanted true actual possession of the key in my pocket. I did not want to live in fear when driving this car either. This required that the car be “legal”; clear title and registration, driver’s license, insurance, inspection sticker, and all the other pesky details involved in car ownership.

The car needed to run, or course, although for some reason many of my family of origin rarely required this of their cars. It seemed mere possesion of a car shaped object was enough. Their car could be up on blocks for a year in the back yard, with a banana tree growing through the engine block, but so what? This cleared the decks for them to demand transportation at the drop of hat. “My car is broken, yours is not. Therefore you MUST drive me to the grocery store, the airport, Shangri-La, etc.” Excuse me, but if you can afford to go to the airport and fly somewhere, or provide yourself with an endless stream of wacky weed or booze, you should spend that money on fixing your car, you great humongous mooch, you!

real world

  • Money

Money in its present form is the great greaser of almost all wheels. It’s far better than hauling around squirrel pelts or clam shells for barter. Being not independently wealthy, this generally implies that one must acquire a job or other source of income and keep at it for some reasonable amount of time. Preferable at least until one receives pay for said job.

Having a job means that some sort of exchange of service for goods is involved. Lately I’ve been dumbfounded by relatives who call and who ask me for a loan until they “get paid” where it turns out that “getting paid” means receiving some sort of government assistance money (read – hand out.) There seems to be a complete national disconnect of the notion that an adult person actually does something other than breathe to earn receipt of payment.

These loans are never repaid, of course. It’s an easy leap from viewing a government hand out as getting paid to viewing a loan as money that is handed to you with no strings attached. It’s the dread mentality of “Hey, you have money, I don’t. So gimme yours.” The fact that they could do what you did to have money in their own pocket instead of demanding that you part with yours, flies right over their head.

  • Good health

Ah, this is a tricky one. This is the scariest disconnect of all. We spend billions of dollars annually to provide ourselves with “health.” It’s always been screaming, in your face, obvious to me that what you do to or with your body has everything to do with health or the lack thereof. I have a friend who spends thousands of dollars annually to receive counseling from a nutritionist and then occasionally stands there and declares, “I’m hungry, I haven’t eaten today.” Alrighty then. We’ll just pretend that 5 cups of coffee with cream and 2 teaspoons of sugar in each is “nothing” and didn’t happen. What really did happen was that she ingested 340 calories, 63 grams of carbs and 30 grams of fat over the course of a morning’s consumption of coffee before she turns her sights to “food.” Does food only count as food if you have to chew it?  She just can’t figure out why the weight isn’t coming off.

Mental health is a sticky wicket. I know that the physical and the mental are joined at the hip. I take medicine to treat bipolar disorder, but it is painfully obvious to me that the pill I down before bed is not a magic bullet. Oh that it was. I have to pay more attention to how eating and sleeping affects my mood swings. If I stay up too late too often, I pay for it for days. I end up speeding around the house, bouncing off the walls like a gerbil on crack. Drinking alcohol? Yea I can do it, but only sparingly and even then it messes with my head. Forget designated driver, a few drinks and I need a designated walker to make sure I get to bed without falling through the coffee table. Then I spend days being hung over and depressed. Not a happy ending.

Well this turned out to be a long post. But playing with If-then scenarios is one of my favorite pass times. Lots of love to all of you and hope you have a fabulous day!

Neither a Borrower Nor a Lender Be

castaway

Gilligan presents Shakespeare’s Hamlet

So the great collective “we”, the ole U.S. of A. got downgraded by Standard & Poors to a AA+ from a triple A+. Big surprise? Nah not really. We all know why, don’t we. It was them, the other guy, those people over there on the other side of the street, the city, country. Not any one of us individually, oh nooo.

The news is freaking and shrieking about it, of course. In my opinion, this whole pickle we’re in has been decades in the making. I’ve only been on this planet for 56 years and I see drastic changes. It used to be embarrassing to be in debt, now it’s a status symbol.

There is “good debt” and “bad debt”. People brag about getting a 400 thousand dollar mortgage for a house. Then run out and buy furniture on credit to put in their showplace. Until recently it was shamefully easy to get a credit card. All you had to do was stagger to the mailbox and there they were. Pre-approved, charge till you drop. Run out of room on your credit card? Here transfer the balance to a new card and keep on truckin.

Decades ago, a young couple starting out in life got a little love shack. All they needed was each other, and a few orange crates to put their books in. They built a life together. Couples today are “entitled” to pre-engagement showers, shopping sprees, bridal showers,  and even take up a collection to fund the honey-moon. It’s not uncommon for the new couple to provide you with a list to inform you not only what to provide them but where to buy it.  Then the babies come, and another list is issued. Babies start out life today with more possessions than I had when I left home for the first time.

Of course an absolute necessity for everyone starting out is a TV. The bigger the better. Our TV is so big that I could sit 2 houses over and see it just fine. It’s paid for now, but it wasn’t when we first got it. A typical new TV should be  enthroned front and center in a mortgaged living room on a fine entertainment shelf purchased on credit. Out of this babble box comes our daily indoctrination. The never-ending advertisements, infomercials, fabricated needs dressed up in a sexy wrapper and touted as must have for any self-respecting consumer.

Why buy 1 item when you can buy 2 at twice the price, plus shipping? Buy this drug. If you don’t know what it’s for, so what? Ask you doctor. Already have this DVD or Blue Ray? Not a problem, now there is the new expanded, collectors edition with 11 seconds of extra footage. You must have it. Hang your head in shame if you don’t. Get a loan. Running out of space for all the stuff you purchased? Buy more furniture to store it in. If that doesn’t work, buy a new house!

Don’t like the way your nose looks? Get a “self improvement” medical loan and have surgery to fix it. Or even better go on a medical holiday to Costa Rica or other destinations and turn it into a spa week. Did your belly get to big to fit in the jeans you have. Pay a hundred dollars for a new pair that have magic panels in them to squish your tummy in. Loose weight? Nah, that is for peasants. I can afford all the food I want. If you don’t believe me check out my bursting seams!

I probably sound a little or a lot cynical. I feel like that drunk abducted by aliens who was saying “I been telling ya for 10 damn years they are coming back.”  Do you believe in Global Warming? Well forget about it. I think we’re going to run out of room to store all our stuff long before we find out whether or not Global warming is real or not.

What if all the creditors in all the world decided to repossess all the stuff purchased on credit. We would need to lease out Siberia to store it all. Can you imagine a foreclosure/garage sale on a planetary scale. That’s when we would find out if we are really alone in the universe because the extraterrestrials would come to the sale. Who can’t pass up a bargain or an opportunity to buy more stuff?

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