Declaring War on My Debt

At time of writing this post, I have three debts of $2,650 + Interest, and one debt in collections (which I will detail later in this post). This is a significant improvement from a couple of years ago where I owed nearly $40,000. Needless to say, I have declared war on the money I owe to banks, and other creditors and taking on my financial mistakes with a vengeance.

This however is not without sacrifice. I had to make some serious decisions in my life, and I am sure some people will disagree with my actions, but the ideal is to live meagerly now so I can have a better life later. Some people will want to get out of debt so they can buy a car or a house. I don’t see me having such options available to me. In reality, the idea of owning a place I can call my own is a fantasy rather than a dream. So why am I doing it? Well, first – it is the right thing to do. Second, when I seen a light at the end of the tunnel, I had to make $125 in minimum payments per month to be on good terms with the companies I deal with now. Considering that I live below the poverty line, this is a serious challenge that will never end unless I first fix my life, and second attack my debt with the ferocity it deserves. Continue reading Declaring War on My Debt

January 2017

A few things have changed. I reactivated my Republic Wireless phone line to their Wifi Only plan. This is about $10. Since I terminated the relationship with the previous psychiatrist, I had to look for another resource to address my social anxiety. It doesn’t seem as anything I do have been very successful.

On the second week of December, I went to a new clinic which I had an assessment, and they informed me that I should get a new therapist and psychiatrist anywhere between 1 and 3 weeks. I am also to call if I don’t get a new appointment by the 31st.

I also seem to be having problems with Puretalk (a cellular provider). I received my SIM card at the end of the first week, but either the service activation, or the SIM card failed to provide me with service. This has led to a change in my initial plans while I tried to get the problem resolved.

December 2016

This month was more than most months I have. An acquaintance that really likes to have Malak to come and visit broke her hip, and was in the hospital for a time. Because of buses, I wasn’t able to take a part-time under the table job – which I guess is just as well. Malak has been resisting on using the treadmill which may mean he won’t get as much exercise as he should. I guess if I had foresight, I wouldn’t have spent the $200 on a credit line to get it.

I also received an email from TelNIC which is in charge of the registry and hosting of .tel domains. They are making some changes which includes allowing them to be hosted with other companies, and no longer supporting sub-domains. For the catered nature of .tel domains, I am not in agreement with either option. Obviously, if someone hosts their .tel outside of TelNIC, they will likely have sub-domain support, however – this could dismiss the reason why .tel domains served a role. Now they are just like any other domain. And for those that don’t know what a sub domain is – an example will be frank in http://frank.pilone.name. Continue reading December 2016

November 2016

Still been having some issues with dealing with crowds. My pain psychologist has suggested speaking with my representative at the community center which I have done. I didn’t expect much, and while she tried to help, didn’t give anything I hadn’t tried already.

Acquired a new Windows 10 PC which is functioning reasonably well, and a Chromebook PC. My goal is to see if I can get everything (or most things) done on a Chromebook which should make future PC acquisitions easier. The Windows 10 PC is a laptop/tablet hybrid and actually works nicely. My main gripe is the lack of an SSD, and no apparent means of upgrading the hard drive.
Continue reading November 2016

October 2016

Not much happened in October. I seen my psychiatrist which has been impotent in his desire to help me with what I see him for. Also signed up with the food bank associated with the community center I joined. While this will mean I will have to take two buses, it also means no waiting in lines, and the issues I had with the more local food bank is reduced. Not much else has been going on. My sister sent an SMS but she has been unreliable in communicating and when she does, it is always about her.

No plans for November. I noticed an increased in my Amazon credit line which will likely mean I will replace my worthless notebook, and consider trying to move everything to Chrome based systems for future use. There is hardware that will only work on Windows, so I will need a Windows machine for that at the very least. Will just have to make due with or without.

September 2016

This month could have been better. The medicine still isn’t working as well as I would like it too. Will be seeing that doctor in a couple of weeks. In the meantime, that doctor doesn’t seem to have much of an interest in communicating with my pain psychologist. In addition, the case manager I received have been of no value, and don’t even have any confidence that he is doing anything for me.

I also canceled my Facebook account. All of the “friends” I had on there had made no attempts to reach out to me, so it shows how much of value that Facebook really had. The handful of people that I had contact information will likely be cleared out in my bi-annual cleaning of my contacts. Other platforms are a little more useful, but not much. Continue reading September 2016

August 2016

This month could have been better. Not much happened. I acquired an iPad Mini 2 which in most instances performs inferiorly to my former Nexus 7. If I had a choice between the two, it would have been an Nexus. I got a new counselor with the community center my pain psychologist recommended. I will have an initial appointment with her in the second week of September. Got a new wallet which will reduce the bulk that I would otherwise carry.

Someone asked if I will take their dog for a couple of reasons. I told them I and Malak will have to meet with the dog, and a few things will need to happen first. I was supposed to meet with the dog on one of the weekends late in the month, but never happened. Continue reading August 2016

Dynomighty Mighty Wallet

This is a review of the Dynomighty Mighty Wallet. This is not a technology device, so it will not appear in my tech blog. I bought this wallet because despite my deepest desires, I have to carry multiple cards, and sometimes cash. If I have to carry multiple cards, and sometimes cash, I want to carry it in something that will keep everything together, and less likely to be lost. I also don’t want something that is bulgy. The wallet is made of Tyvek which is used as building wrap, and those especially durable envelopes one will find with USPS Priority and Express package envelopes.

To make things clear, this is Not a sponsored post. Dynomighty did not send this wallet to me for review. I purchased the wallet with my own money, and Dynomight has no influence over the results of this post. The wallet was $15 + $2 for postage tracking. This is ship from US to US and in US currency. Continue reading Dynomighty Mighty Wallet

July 2016

The expired couch that has been an annoyance for 6 weeks was finally removed and taken for the trash. Will just have to deal with an old TV, and monitor. My brother said he will get it, but considering it took as long as it has for him to help with the couch, I hold very little hope. Republic Wireless has decided to not do any updates for their Motorola Moto G3 phones. Thier reasoning is that they want to focus on their new 3.0 plans and devices which is basically telling everyone to go F themselves. The phone will likely continue to function as a Wifi Phone, but if they have no intention on updating the phone because “F You”, then I have little reasoning in continuing to invest in Republic Wireless beyond just the Wifi Only Plan. It’s a shame that OEMs and carriers are allowed to do that to their customers.

Replaced my old phone with one that has Android 6.0 even though 7 is around the corner. From the company’s experience I had with them, I have little doubt that the phone will get any real update. I would much rather have a Nexus device, but there are no such phones with dual SIM. Using a 200MB SIM from FreedomPOP. They offer “voice/SMS” but this is through their proprietary software which means VOIP services. I will just be using the data for free which is again limited to 200MB.
Continue reading July 2016

2 Factor Required for SSA

Earlier today (2016-July-29), I received an email from the Social Security Administration (aka SSA) noting that anyone using the online resources of the Social Security Web Site will be required to have SMS capabilities. So, you will have to enter your UID, and Password – then you will have to receive a code which you will enter into the web site. If your phone service does not support SMS, or if your phone number provider does not work with Social Security’s system for whatever the reason, you will not be allowed to login to the web site. Considering that many of Social Security Administration’s users are elderly, I could see this as a mess.

Let us first identify the biggest problem. SSA will require that any user of their web site will have to have a cellular phone with SMS services. If you are a person on a very fixed income, you may not have unlimited SMS messages. Also, if you are on a fixed income, you may not have a cellular phone. People such as myself may use services such as Google Voice to consolidate telephone numbers and make things simpler may not support their services. SSA claims it is a new security policy, but they are doing it incorrectly. Continue reading 2 Factor Required for SSA