So I just went to get food and found this on my car:
Reason #158 Why I Hate Children.
And yes that is the layer of dirt on my car. You’d be surprised how hard it is to keep a car clean in the OC… and I thought Iowa Winters were bad.. I’d rather have my car coated in white then the shit we get out here… At least in Iowa it looks like you just have a white car, not that it’s dirty.
Anyways… I should get an NRA sticker for my car (Yes I am member, not sure who signed me up)… One of those sassy ones. I like the one my grandpa has.. I just can’t remember what it says.
Also got this in my e-mail today:
More and more of Americans’ income is being applied to debt. According to the Federal Reserve (www.federalreserve.gov), the household debt service ratio (the ratio of debt payments to after-tax income) hit a record high of 13.4% in the first quarter of this year.
This increase is a cause for concern. By committing such a large proportion of one’s income to make payments on past expenditures one is not going to be able to save for future goals, e.g., house, emergency fund, education for children, or retirement.
Americans now owe approximately $11 trillion, nearly double what was owed just a decade ago. Total household debt grew 11.2% in 2004. This is the largest year-to-year increase since 1986 (Spors, 2005). Much of the growth in debt can be attributed to Americans taking out large mortgages and home equity loans. Many homeowners have justified their low-down payment mortgage with high monthly payments as housing prices have escalated. Also, there has been an increase in homeowners who have obtained a home equity loan to pay off other debt. Were housing prices to slow or decline, it is possible individuals may owe more than their home is worth.
Individuals with an adjustable rate mortgage may experience difficulty in meeting mortgage payments if interest rates were to increase. For example, a $928 payment on a 5% mortgage would increase to $1,093 for a 6.5% loan. This would be an 18% increase in one’s mortgage payment.
Individuals need to realistically look at their debt commitment. By having high debt payments and a low emergency fund, individuals will face financial difficulties were there to be an illness or loss of job.
I’m so glad that 0% of my income goes toward debit! 😀 I’m so good.
Fuck you stupid Americans. You’re killing us all!
I’m very red and burnt.
It also annoys me when people call me as soon as something goes wrong, instead of simply IMing the people who are STILL IN THE OFFICE and thus are PROBABLY the ones RESPONSIBLE FOR WHAT’S GOING WRONG. HELLO. I AM SLEEPING! GO AWAY.
Did I mention the hottest boy in the world was at the pool today! Long black hair, perfectly flat body, Rarr… God I couldn’t stop staring.
I’m enjoying this weather. Not looking forward to the 105 temps of Iowa though… My bedroom is always the same temp as the out side. I think I’ll be sleeping in the basement when I go home in august.