Other posts related to debts
Shooting for the stars!
Lincoln Adams | August 31, 2009 @ 7:01 pmIt was a dark and stormy night.
Actually no, it was a sunny and illuminous day here, with the weather dipping to the low 70s and the skies dancing with the billowing remnant clouds of Tropical Storm Danny. What a great way to end August and unofficially, the end of summer.
This was my week to leave the office for what we call THE RUN. Basically it involves stopping at a slew of government offices for pickups and dropoffs, and while I’m usually not crazy about this part of my job, I definitely welcomed the opportunity today. If you’re quick about it, The Run usually takes about an hour and 45 minutes to do, so naturally it takes me about 3 hours. It also gave me a chance to enjoy the weather and get away from the office’s resident hens, who cannot help but talk, and talk, and talk, and talk, and talk talk talky talk talk talk talk talk talk talk talk talk talk talk talk talk talk talk talk talk talk talk talk talk talk talk talk talk talk talk talk talk…
So I’m driving around far and away from the mindless, white noises of the office, and I’m thinking about things. I had been so desperate to move out on my own that I hadn’t really thought about another possibility: What if I could move out of state for real?
I was ready to give up on the idea that I would ever get another job or move out of state, and in that frame of mind I was looking around for any kind of apartment I could find simply to get away from my parents, resigning myself to the reality that my job now was the only job I’d ever have, and while I was lucky to have it, in another sense it was a blackhole too. There’s no promotional path, no training seminars, no chance to expand my skill set at all. In 9 years, I have learned nothing new. And because of it I was pretty much unemployable as far as the private sector goes.
But the public sector… well now, they actually EXPECT you not to have any skills whatsoever. 
It also occurred to me that I was in the most ideal place you could ask to be in if your objective was to make a life altering, dramatic move and career change. I have no wife and kids, no debt, no property that I owned, not even furniture. I could up and leave a moment’s notice, literally. And while I’ve been building up my nest egg in preparation to move out, I wonder now if I should stick around for the time being and invest in something even bigger, not simply just to move out and find my own place, but move out of my job and my state altogether.
I always thought the Feds would be my ultimate destiny, mostly because since I graduated it had been my dream to work as a special agent for a law enforcement agency, whether it was the FBI or somebody else, a dream I had to give up on partly because of my disability, and partly because I’m, well, pretty much an idiot.
But now there’s no better time than the present to shoot for the stars again, and maybe even if I couldn’t work as a sworn agent, I could still serve in a civilian capacity somewhere. I have the luxury now of being able to apply and go to any job in the country (except New Jersey, cuz, ewwww). I could also take a salary hit without feeling the squeeze now that all my debts have been taken care of as well.
I think I owe it to myself to at least give it a try before accepting the sentence of life imprisonment in New York. Maybe there is a faux log cabin and a bonnie lass waiting for me in Colorado after all. 
Tags: apartment, career, debts, destiny, dream, government, job, law enforcement, life, new york, parents, public sector, weather, white noise
Categories: In The Coal Mine
(
Print This Post
| | 60 views )
My job gets hit with the Hope and Change plague
Lincoln Adams | July 5, 2009 @ 9:47 pmRight on the heels of getting out of debt for the first time in 13 years, I’m now hearing that my old supervisor will be returning to my section this week for the first time in 9 years. When I started working this job he was my first “boss,” and it wasn’t too long before I promptly got written up because I had dared to call an outside agency to ask them for advice on how we could make our section more productive and efficient. Back then I didn’t know then that doing such a thing was a no-no, even if my only intention was to help.
I had only been on the job for 3 months, and I was pretty green in the gills and naively thinking I could change the world then, only to get quickly smacked down by reality and a stupid dweeb of a supervisor. The whole experience had left a bitter taste in my mouth ever since.
In all fairness, I don’t think he intended to be malicious, he just wanted to cover his wide trailer, but I didn’t appreciate how he had talked down to me in his droning, Ben Stein voice when it happened. There were probably a dozen ways he could have handled it better and instead he chose the worst way, leaving me with a “friendly” reprimand on my record not even 3 stupid, fricking months into my job. He was unfriendly, uncomfortable to be around with, and micromanaged the most mundane things that had absolutely no relevance to the work we did. To top it off, the dude had no personality at all, I mean seriously NONE, almost as if he had been born without a soul. Ben Stein has nothing on this guy.
That’s why I was glad when he transferred out to what he must have thought were greener pastures. We went through a cocktail variety of supervisors since then, until the last one retired in a hurry and officially left us without a manager again. I ended up taking the supervisor’s desk, since there was no other place to sit, and carved out a little corner for myself in our section that kept me comfortable and boss-free for 2 years.
Recently however, they phased out Mr. No Personality’s position, forcing him to come back to our department once again, although not our specific area (yet). He had clearly done everything he could to avoid getting transferred back to our section, but it looks like the clock finally runs out this week. Judging from the look on his face every time I see him, I can see his untriumphant return as our manager is going to be a real pleasure. 
When he does come back, one of two things may happen. He may play it smart and have maintenance carve out some office space for himself, or he may pull rank and evict me out of the desk I’m using now. The reason this is a big issue is because I work with 4 other coworkers, and they all have desks and computers to use. I would have to go back to standing around and waiting for someone to either take a meal break or go home before I finally had a desk that I could access and work on, this despite the fact that I’ve been here 9 YEARS. I swear it’d be like high school all over again, just floating around, never finding a group or a spot where I could finally feel at home.
Yep, this is gonna be fun. Of course, after several years on the job I’m not so green in the gills anymore, and Mr. No Personality will find I’m not the pushover I used to be when I rip his soul-less dweeb monkey’s face off the minute he starts in on me. There’s a reason why nobody wants to oversee our section ya know. 
Ironically enough, while there’s no place for him to go, a wave of early retirements that began last week have opened up over 20 new positions for me to potentially choose from, depending on how my seniority compares to others vying for the same job. I know absolutely nothing about these openings though, the hours I’d work, what the people I’d work with are like or what the job entails, only that they’re now looking for people. This is the first time in several years that new openings in my department finally presented themselves, so it’s not something I can just blow off either.
Honestly, the thing that has always held me back from vigorously pursuing opportunities like this was my night pay. My night pay accounts for $300 of my monthly salary, and because a contract concession forces me to work two days a month without pay for 6 months, just the simple act of transferring to another assignment would incur a loss of over $500 a month in income, at least until December. 
I hate the thought of losing that much money a month, but if it there was ever a time I could stand to lose it, that time would be now. I no longer need to worry about any debts cramping my finances, and the loss of night pay would just mean I’d have to wait a little bit longer before getting enough cash together to put down for a new apartment and move out. What’s a few months and a few dollars really if it means finally getting out of a job I have loathed for 9 years?
Assuming of course the new job I get doesn’t turn out to be even worse than the old one. 
Tomorrow I’ll try to find out more info about these openings and see what’s what. I have to admit the timing of these recent events is pretty curious, and I wonder whether it might be a sign that I finally need to go? After 9 years, as much as I’ve whined and complained about my work, I’ve still gotten pretty comfortable in my job and resistant to change. Facing the great unknown thrills me in a way, but it also frightens me too. I’ve been conditioned to believe that nothing good can ever happen to me when it comes to life changing events like this, and if I do wind up working a job someplace else, I fear it will be ten times worse than what I’m doing now. I wonder if it’s better to deal with the devil I know than charge into the great unknown, even if the devil I DO know ends up forcing me to give up my desk. 
I guess I’ll know more by this week’s end what will happen. Heck, I’ve already experienced one life altering event by finally becoming debt-free, so why stop there?
Tags: boss, coworker, coworkers, debts, desk, income, job, opportunities, reprimand, supervisor, transfer
Categories: In The Coal Mine
(
Print This Post
| | 105 views )
Debt FREE at last! Debt FREE at last! Thank God Almighty, I’m debt FREE at last!
Lincoln Adams | July 4, 2009 @ 2:40 amIn the due course of history, a man is empowered with the capacity for life and liberty when he is financially beholden to neither men nor entities. These truths are self evident in their own right, that without freedom from debts and liabilities men are deprived in the profoundest of ways from pursuing that which would ensure their happiness and well being. It is hereto realized and understood the egregious deception by which principalities have sought to strip us of the very power that has been so rightly bestowed to us by our Divine Creator.
Acknowledging then the oppressive currents of those who have entrusted themselves to the cause of evil, I hereby declare my free and total financial independence, with a firm reliance on the protection of divine Providence to utilize these newfound freedoms for the noble cause of truth, justice, and charity.
In other words, I paid off my school loan.

That concludes the triple play of payments I’ve been making to get myself completely out of debt, starting with my credit card (which went as high as $8,000), then my car loan, and finally my college loan, which had been a boil on my boom booms for 11 years.
It couldn’t have come at a better time either. The VERY day I made my last payment on my school loan, my job started a 6 month period where I have to work two days a month without getting paid, a concession my union made because they’re a bunch of spineless baboon heads that are only good to take my money so they can organize picnics I never get invited to.
But anyway, regardless of that temporary cut back, the world is my oyster now, and that my friend is truly a miracle. Not too long ago I was $20,000 or more in debt, and now it’s all but gone. This is the LORD’s doing, and it is marvelous before our eyes.
From here on out, I can just keep on saving until I build myself a decent nest egg and use that to go back to school for a masters, buy a new car, and/or put a down payment for a nice house in another state (some place very, very far away from New York). I’m not sure exactly what I’ll do by then, but one thing I do know is that I will NEVER, EVER (with the possible exception of a mortgage), go into debt again. The feeling of owing money to whomever was to me the worst feeling in the world, and I thank God for this tremendous gift of financial freedom, given to me on the 4th of July, of all days. From now on I will be the head, and not the tail, and I will lend to many nations, but I will not borrow thereof. 
And now if you’ll excuse me, I need to go collapse into bed for some well deserved rest, then get ready for muchos BBQ food, fireworks and good times. 
Happy Independence Day!
Tags: car loan, college loan, credit card, debt, debts, financial, financial freedom, gift, God, independence, independence day, job, liberty, lord, money, world is my oyster
Categories: Lincoln's Personal Log
(
Print This Post
| | 93 views )
Help Me Become a Super Righteous Evil Stomping Blogging Badass
Lincoln Adams | September 23, 2008 @ 1:44 amSo now that the sky is falling and the world is soon coming to an end, it seems my plan to pay off all my debts couldn’t have come at a better time. Just a few more months and I will be back in black, so to speak. 
And I figured, what better way to celebrate the coming of Armageddon and my soon debt free existence than to give myself a much needed and overdue makeover? After all, if I’m gonna go out, I might as well go out in style. 
This is where you, my beloved readers come in. I’m going to need some advice and suggestions to complete my makeover here, and your much valued advice will most certainly be welcome.
So where do we begin? Well it begins of course, with…
The Leather Jacket
Yep, there’s not a brother in creation who can lay claim to being the baddest of the badasses if he’s not donning a slab of weather beaten leather. And I don’t mean the kind of leather sported by a 500 pound biker either:
No, not quite. I’m looking for a blazer type jacket that swings in the breeze as I walk in slow motion towards whatever epic battle I’m about to engage in with a gritty but determined look on my face. Something like the following might be more appropos:
JCPenny’s never seem to have what I’m looking for though, and something like this I can’t chance ordering online because it’ll likely either be too short, too long, too tight, or too loose. Something like this has to be perfect. Oh, and something like this also has to have a big enough pouch to store all those women’s hearts I’ll be grabbing up when they see me looking all fine and whatnot. So, suggestions? Maybe an online store that will tailor make a jacket based on the measurements I give them? Ponder over this some while I move on the the next item on my list:
The Watch
It’s kinda sad, but I haven’t been wearing a watch for years. The last watch I wore was a titanium hunk of metal that was given to me as a graduation present from my folks after I finished college, my mother’s reasoning then being that I should have a gift that not even I could break. She was wrong of course. The thing gave up the ghost a few short years later, and my wrist still has that pasty white line around it where my watch used to be. Here’s a tip by the way: just because a watch is made of titanium doesn’t mean it won’t break if you end up dropping it on the street the same day a dumpster truck passes through.
Anyway, the thing that held me back here from getting another watch was that I kind of liked my watches to be a bit.. well, gadgetry. You know, one that could tell me the weather, latest sports scores and what was currently showing in theaters. So I ordered a watch from MSN Direct that looked like it had been lifted off of Dick Tracy’s dead body and thought I was once again the epitome of cool. The watch would update with all kinds of nifty info and graphics via a radio signal.
The only problem was, I happened to be living in a dead zone 50 odd miles wide between the two areas where the watch could actually get a strong signal. Needless to say I don’t think holding my watch out the car window as I desperately tried to balance between driving and using myself as a human antenna was quite what the designers had in mind. Another downside was that the antenna was built into the wristband, and it was about as bendable as a block of steel. While a lot of thought admittedly went into its design, comfort obviously wasn’t one of them.
So, what to do? I still wanted a watch that was a bit gadgetry. And man do they have gadgets watches aplenty. They even have watches where you can upload videos or watch TV on as well!
I might be going overboard with this though, especially since I have an online buddy who is convinced beyond measure that if I even think of wearing a monstrosity such as the video watch above, I will never get a girl, never, ever, ever, ever, amen and amen, for the love of all that is good and holy, please, do not sully the human race by wearing such a ridiculous contraption.
Well alrighty then. 
That still leaves the question of what brand and type I should get though. Obviously I want a good, quality watch that will last, maybe solar powered, small and not bulky, black leather wrap, (to match my black leather jacket of course) built in compass, (I’m constantly getting lost so this is a must), and since I can’t get weather reports, I figure one that can read barometer levels would be a nice alternative instead. Oh, and it has to light up. I don’t mean the fuzzy wuzzy neon glow in the dark silliness either, I mean light up nice and bright so that a plane flying overhead could see it. Seriously, I’m fed up with not being able read my watch because I’m running from the police and the dumpster I’m hiding in makes it too dark for me to tell the time. It’s just uncivilized.
So, suggestions?
Moving on along in the meantime:
The Sunglasses
There arew few things in life I’m more finicky about choosing than sunglasses. They’re always too round, too ugly, too rickety, too bulky or too much or too little of some damned thing that I just end up hating it after a while.
Bottom line though, the glasses have to be polarized. When you can see clouds the way God probably sees them, then dude, those are the kind of glasses I want. Only problem is, polarizing sunglasses are rarely mirrored or opaque enough so you can’t see the eyes. And that just won’t do, especially when I’m checking out a super hot awesome babelicious babe’s umm… shoes. It’s none of people’s business what I’m looking at anyway. 
I did see one brand that had polarized but completely opaque (none of that ugly brownish tint) at a Mall once, but I never got the name. Once again, suggestions on brands I could check out are welcome. 
The Cellphone
I’m with Verizon, which as some of you Verizon users know likes to nickel and dime every bloody damned thing you do on your phone including using the built-in calculator. Seriously, this is the one network where if you utilized every possible feature they offered you’d probably pay oh, about a grand a month or so for the pleasure. And just to milk it further, let’s not pay a one time fee to download, say a ringtone. Let’s offer a SUBSCRIPTION FEE instead where you have to subscribe to a ringtone you like on a $%^&ing monthly basis. Dude, seriously. Not cool.
And since I’m using a basic LG phone, it takes me about 10 minutes to dial in complete sentence when texting someone (including Twitter). I could go Blackberry I guess, but let’s face it, we all know there’s only one solution here:
I’ll have to jump ship and go with AT&T though, and from what I understand of their monthly plans, the costs can get steep ($80 or so for the whole works including unlimited text). But a coworker let me try out the iPhone just for a minute and it was enough for me to fall in love.
Yep, I definitely wantie, especially when all the favorite apps I use have also been ported for the iPhone. Heck even my webstats service ported an app for the iPhone. Mobile blogging and twittering would get a whole lot more fun with an iPhone too, especially if I get caught in a Cat 5 hurricane and want to live blog the experience while sharp debris fly around me.
So for those of you who jumped from your former network to AT&T, was it a real pain? I was told I can still keep my phone number from Verizon, but I’ll have to find out for sure. One thing’s certain, I just can’t be a true badass now if I’m not carrying an iPhone. 
The MacBook
Villains use Windows. The good guys use Macs. There’s a reason for this, so who am I to break with tradition? Besides, I need a machine that removes as many roadblocks as humanly possible between creating multimedia content and uploading it to my blog. Do I wanna make a video? Click click, done. Do I want to create a podcast so y’all can swoon at the sound of my stud sounding voice? Click click, done. Photos, Music Composition? No problem. They really do make it that simple, at least from what I could tell when I played around with a MacBook for about two hours at Best Buy until they threw me out. Microsoft? I don’t know what these people are smoking, but Vista acts more like a virus sent by the Russians than an operating system. Seriously, how hard can it be to make something as user intuitive and fun to play with like GarageBand? I’d like to compose some bit of music and videos one of these days, but Microsoft, they like to leave that sort of thing up to third party developers who charge you $500 for the pleasure of installing their bloated craptastic software onto your system, which then proceeds to chew up your memory into bits, cause your hard drive to forget how to spin again and your video card to go blind from insanity.
So, it’s settled that a MacBook is a must, especially if I’m going to be traveling a lot and living in dinky (but yet homely) apartments. I’d love to get one secondhand, but from a cursory look on eBay they’re so high priced even secondhand that I’m probably better off getting it new. Sad thing, this will probably be my biggest investment, and it’s not one I’m ready to make unless my blog earnings justify it. So how can you guys help? Well if you got one lying around, feel free to donate it to the brutha here. It’s for a good cause. Or, you could link to my blog. No, really. Adding a link from your site can really do a lot to boost my standings in the search engines, and in return I’ll be happy to link you back. Lincoln needs some link love, sugar. 
And finally:
The Motorbike
Yeah, you knew this was coming. A badass without a bike? It’s like Mozart without a piano. Although, I might make an exception here only because I simply don’t know how the hell I’m supposed to go trudging around the country with both a SUV and a bike. I could get a trailer I guess, but that tends to overly complicate things more than it should. I already got a sweet ride, so is a bike really necessary?
Well yes.
It’s kinda like skydiving or bungee jumping, one of those things you do once in your lifetime, just to see what it’s like, at which point if you’ve managed to survive the experience you can then go around boasting about what a reckless badass you’ve been (though this is probably something I wouldn’t want my mother to know about.)
Plus, the chicks dig it, which is pretty much the only reason I’d think of getting one (and yet another reason why Mom is better off not knowing.)
There’s crazy though, and then there’s suicidal. While I’m down with crazy, I definitely wouldn’t get a bike with enough CCs that I could outrace an F-16 fighter jet. A simple beginner’s bike with 250CCs will suit me just fine, thank you. Bike enthusiasts will laugh at me, but most people won’t know the difference. And besides, the chicks dig it. Though truth be told, I really dug the Harley Fatboy that was used in the movie Terminator 2. How cool would it be to have a bike you can effortlessly latch an oversized shotgun onto?
Ok, on second thought, that might be just a bit too much (especially since the bike model Arnie rode on still retails for like $15,000 today.)
No, I think something a bit more sensible might be in order, such as the Kawasaki Ninja 250, which is touted as a great beginner’s bike and only retails for $3,000 or so. Best thing about it of course is that it seats two. 
On the off chance that anyone reading this is a bike enthusiast, happy to hear if you have any thoughts to add. 
Conclusion
That about wraps up all the ingredients needed to realize my lifelong dream of becoming a Super Righteous World Saving Badass. Ahhh, I could see it now too: waltzing into a Dairy Queen somewhere in Smalltown, USA, taking my helmet off to reveal my studly, tousled, raven black hair, and ordering up the kind of drink only badasses would dare to order:
“Give me a milk… CHOCOLATE.“
Dudes, who wouldn’t want me? 
Tags: Bike, black, black leather jacket, cell phone, debt, debts, fun, garageband, God, laptop, living, MacBook, makeover, mobile, motorbike, music, notebook, phone, Photos, podcast, stud, sunglasses, travel, verizon, Videos, watch, wishlist
Categories: Lincoln's Personal Log
(
Print This Post
| | 853 views )
Yeah yeah….
Lincoln Adams | December 17, 2006 @ 3:42 pmI know I haven’t been blogging worth a skinny minny for the past few weeks, but I just have nothing to write about that would be appropriate for a blog. I usually spend most of my online time on a conservative forum, and I’ve met some great people there who genuinely make it a fun place to visit (no single hot chicks though). As a result, I have far less incentive now to blog here, where I generally have no audience, and where I’m simply unspired to write more than a paragraph or two of my personal thoughts.
My interest in law school has also begun to seriously wane as well. I simply don’t see the point in plunging myself $150,000 in debt for a career that I now only have a mild interest in. As much as my current job annoys me, I enjoy far too many perks now that I know I’d probably never enjoy again should I decide to become a lawyer. The whole idea behind my becoming an attorney anyway was to provide legal assistance to people at little or no cost, but more importantly, under MY terms (without having to toe the line with any firm that employs me). As I look at things now, I just don’t see how it could be done. I’ll wait until I hear from the local law school before I make a formal decision, but right now it looks like I won’t go through with it after all.
It may be that I’ve gotten too comfortable and complacent. Other than not having a social network or a girlfriend (which some people would say is a GOOD thing), I generally have everything I need: a beautiful car, a place to live, a smokin’ fast PC, a kick-butt laptop, and an easy going work schedule that allows me to work only four days a week. What more do I need really?
Instead, I should probably focus on getting myself healthy again and paying off all my debts, which is probably one of the best things I could do right now. If I continue to save for a year or so, I’ll eventually be completely debt free. That’s not an accomplishment many people can boast of, and it’s one of the things that preclude me from taking the law school plunge. Becoming debt free for the first time since I graduated high school, only to sink deeply once again into the red because I took the law school plunge is not something that sits well with me.
So as things are right now, my career prospects are at a standstill, though that’s not necessarily a bad thing.
Tags: accomplishment, attorney, audience, beautiful car, blog, blogging, complacent, conservative forum, content, debts, formal decision, girlfriend, health, hot chicks, job, kick butt, laptop, law school, lawyer, legal assistance, paragraph, perks
Categories: Lincoln's Personal Log
(
Print This Post
| | 938 views )
Blogging For Blogging’s Sake
Lincoln Adams | August 23, 2006 @ 7:09 pmI think I need to change the focus of my blog a little bit. Most of my writing thus far has been utter monkey crap, so it’s obvious I haven’t found my niche just yet. I think the problem is that I’m trying too hard to mimic the style of the more successful blogs, and investing too much effort trying to scheme up ways to boost my traffic levels. I really should just write and be done with it, and let the rest take care of itself.
I’ve been a real mess lately, partly because this should have been the time I’d be starting law school and a brand new life, and instead I’m stuffing my face in with ho-hos while watching Grade-B horror flicks on the Sci-Fi channel. Probably not the best way to be spending the last days of summer, but, whatever.
So, where to go from here? Bottom line: I have a year to pull my self together before I start law school. That’s a year to get healthy again, pay off my debts, finish the rest of my law school prepping, and get myself bulked up so I can impress those impressionable law school chicks. 
Problem is, it’s hard to stay motivated when I’m not even sure I’m going to law school. But then I consider the alternative… there IS no alternative. All I have now is a dead end job I’ve been working for 6 years, and 6 years could easily turn into 60 if I don’t start taking chances NOW. So… this is it. The next 12 months will either make me or break me. But I can do it, because I have the discipline and the will to go out there and accomplish great things, right? Right??
Oh hell.
Tags: 6 years, blog, blogging, blogs, bottom line, chicks, debts, discipline, goals, job, law school, little bit, monkey, niche, sci fi channel, taking chances
Categories: Lincoln's Personal Log
(
Print This Post
| | 865 views )














Recent Activity