Debt Free or Bust

Debt Free or Bust Comments Off

This blog was intended to be my journey through my career crises and money problems. I meant for it to be a tool to help me more than anything else. On my end, it is continuing to be that kind of blog.

Recently, a few readers have become verbally abusive of my life and circumstances, and have left nasty and even cruel comments. They don’t understand the internet business world and how it works. They don’t understand that niche ideas are equivalent to industrial trade secrets.

They also fail to see that I have two businesses. I’m not unemployed or drawing unemployment benefits. I tutor math and science to middle and high school students and make a pretty decent living doing it. Tutoring is my primary source of income right now.

I haven’t apparently been clear enough with my readers that tutoring is extremely busy during the months of December and May. December is mid-term exams and May is final exams. I spend little time online during those two months.

School year 2008-2009 was unusual because of Hurricane Gustav. Students missed 15 days of school in September, and schedules were changed substantially. We were waiting for power and other services to be restored. Students had less time off on Thanksgiving break, Christmas break, Mardi Gras and in May to make up those days. That left me far less online catch-up time during the school year. Even though content production suffered because of it, my income increased.

Now that I’m tutoring on my own, I’ve had to set up the tutoring business and that takes time offline. I’ve only had 20 days to set things up on the fly as I see students and figure out how I want to run things. I’m doing a lot of the same things as my previous boss, but I am changing a couple of things. My prices are $5/hr cheaper on each package because I believe she raised her prices at the wrong time this past school year. In a recession, prices have to be more competitive, so I went back to the prices she used the year before this one and had used for a few years. They make me a little more competitive with the companies out there. I also get to keep all the revenue which resulted in a big raise for me.

Because some readers are fairly ignorant about what I’m doing with my time, they believe they know what is best for me in my life than I do, and proceed to tell me all about their lives and how I should do things there way. I’m accused of being lazy and unemployed. I am neither.

Comments are off because:

  1. Businesses are real jobs.
  2. I don’t owe anyone an explanation of exactly how I spend every minute of my time.
  3. I don’t owe anyone an explanation of what time I take off and how I spend that time.
  4. I don’t have to answer to anyone about what I choose to watch on TV.
  5. Just because I publish what I’m doing online does not give anyone the right to beat me up verbally.
  6. I’m spending far too much time answering these nasty comments, and that takes away from both my businesses, raises my blood pressure and raises my anger level too far.
  7. These comments set off my chronic depression. When my depression is worse, I have a much harder time writing and getting other tasks done. It’s tough enough to get out of bed without being kicked.
  8. Therefore, I don’t need a small chorus of assholes making things worse.

I have no explanation for why people are so cruel with so little empathy for the plights of others less fortunate than they are, nor why they think they can get online on someone’s blog and proceed to figuratively tear them to shreds. I see this cruelty and lack of empathy more often than I ever have. It seems to go along with what happened during the last 8 years during the George W. Bush administration:

  • The rich got much richer and far less generous (philanthropy is down considerably).
  • The middle class became disenfranchised and some became poor or working class.
  • The middle class bore the brunt of taxes while corporations and the rich took their earnings offshore to avoid paying any taxes at all.
  • The living standard of the middle class declined.
  • The real income of the middle class declined (and this is probably why philanthropic giving declined; the middle class is more generous than many of the rich).
  • The rhetoric against anyone having financial trouble and getting and keeping jobs is some kind of moral failing on their part and is condescending and cruel.
  • Poverty is a moral failing of those who are poor, and these people need to pull themselves up by their own bootstraps. That’s hard to do when you don’t have any boots.
  • To those doing well, jobs and financial problems have nothing to do with the economy or the robbery of the public by the conglomerated financial system from which the wealthy benefited the most.

Now the far right and other religious and anti-government extremists have set a tone in this country for domestic terrorism: hate crimes and violent rhetoric which have led and are leading to murder of other American citizens. There were three domestic terrorist related murders over just 11 days in the past two weeks.

This nasty and dangerous rhetoric is spilling over into non-violent but still inflammatory speech, and the anonymity of the internet is propagating it into verbal attacks on individuals who are not anonymous on their blogs, websites and social media pages.

So, comments will not be accepted on this blog until further notice. I don’t have the time or energy to deal with this much bullpuckey.

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June 12th, 2009 Posted by joubess | General | no comments

Mixing the Jack Rose Cocktail

Rachel Maddow demonstrates some mixology: how to mix the Jack Rose cocktail. Rachel is an aspiring mixologist and learns everything she can about the American contribution to drinking, the cocktail.

Mixing American cocktails is an art that was almost lost during Prohibition, and like zymurgy, it requires study and practice to recreate and carry on the old art form. As a zymurgist, I understand Rachel’s passion for sticking to original ingredients and processes. (Zymurgy is the art and science of brewing beer).

Happy New Year!

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January 2nd, 2009 Posted by joubess | General | one comment

SNOW!

I know this isn’t a big deal for most of you out there, but for those of us in South Louisiana, snow is a really big deal! It hasn’t snowed here since January 3, 2001. The above picture is our back yard.

The above picture is the front of our house. I know, the siding needs washing with bleach. It’s molded. The sun doesn’t shine there for most of the day because the house faces east and the sun revolves around the back side of the house.

This is our street. I’m really surprised snow stuck to the pavement. It usually doesn’t do that here.

This is a Hurricane Gustav debris pile covered with snow. I don’t envy those who have tarps over their roofs. The snow is wet and if the holes are big, the tarps probably fell through them if they weren’t secured. I’ll have to go out later and see how the damaged houses around ours are doing.

We woke up this morning to about 3 inches of the puffy, white stuff coating everything. It’s melting now. Snow never lasts long here. Unfortunately, it’s supposed to get really cold tonight so all that melting snow will turn into ice by morning.

Nobody knows how to drive on snow and ice down here, so that makes life exciting and dangerous.

It also means the libraries where I tutor are closed today and the coffee shops I use as back-up locations are also closing at 1 p.m. I had to move all my students that had appointments today to tomorrow and Saturday. It’s great to have snow, but mid-term exams are next week, and my students need their tutoring sessions on time as much as possible.

Since I was able to reschedule everyone, I won’t lose any hours of work. I also picked up one more private student for mid-term chemistry tutoring. That will likely yield me at least 2 extra hours of work at $25/hr. :)

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December 11th, 2008 Posted by joubess | General | 4 comments

Sponsorship Opportunity on Debt Free or Bust!

I posted a new page on the blog today entitled “advertise”. I am now accepting sponsors for Debt Free or Bust!

There are a total of 26 sponsorship positions:

  • 20 Text link ads, 10 in each of the two side bars under “Featured Sites”
  • 6 Box Banner ads (125*125 pixels), 3 on each of the two side bars under “Sponsors”

Scroll down the page and look for the “Sponsors” and “Featured Sites” headings in the right in the side bars. Banner and text links will be located under those headings as they currently appear.

Prices are very reasonable right now, only $10 per month for each text link and $25 per month for each 125*125 pixel box banner. A combo package of one text link plus one banner is only $32.50 per month, a $2.50 savings off buying each separately.

If you are interested in reaching people who are in debt and trying to get out by various means, from extra jobs and Dave Ramsey’s plan to bankruptcy, you can reach them on this site.

Click “advertise” now, or click on the “advertise” button in the menu on the top of the page or click on the “advertise” link in the side bar under “Pages” for more details and to purchase your sponsorship package subscription now!

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August 8th, 2008 Posted by joubess | General | 4 comments

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