Why education should never be financed

I made a statement on twitter the other day :the only things that should be financed are a house and a NEW car. Now I just happened to check my responses and somebody added in education, now while I guess they thought I was shorting education I'm not it should NEVER be financed. The reasoning is simple normally you have 18 years(at least) to prepare for your child's educational funding.

I mean think about it, even before you know if your child is going to go to college you know you have a child, that you would LIKE to go to college, start socking away the cash. Will it take some sacrifice yes, but then if your child's education is important to you then I'm sure you'll believe it's worth it, on top of that you can use the process to teach your child(ren) about savings, and possibly investing. Most peoples problem with paying for education comes in the fact that they always worry about the big chunks late, the earlier you start the less you have to start with. You can start with $100-$150 a month, and no that is not a lot of money 25-37.50 a week you probably blow that going to lunch each week. Now you could put that into a money market account and let that grow over the period of you child's public/private school education up to 12th grade at minimum with no interest compounding that's  $20,400-30,600. That's a nice amount of money, as school tuition is constantly getting more expensive thats not 4 years in college but it is at least 1 or 2 depending on the school(or possibly the full tuition at say a specialty school culinary arts, devry, ITT, etc).

Now I said that was without interest, I suck at the interest calculations I would have to basically add up month by month over the span of the 17 years to give you what that would be like with the interest added it. Most of us suck at long term planning because mentally we have a "well that can wait til later attitude", if it's important the planning and saving for it can't. You don't have to do it all today, but you damn sure need to start not only thinking about it but saving for it and formulating a plan for how you're going to make it happen.

Just like you can run and check your bank account to see how much is in it when you wanna splurge and buy something if you have a dream, wish, hope whatever then the second you get that gleam in ya eye you need to put some dollars away for it.  If you wanna use some of that growing nest egg to invest and take a chance on a stock growing over that time to help accelerate the value of the funds in the account fine, plenty of books on investing pick one up and be my guest.

But honestly if you have something you want to do, and in your heart you really wanna do it then prepare to do it. If you look into something far enough out that you want and break down how much it will cost you for it, the further out you start the better off you are.

And by the way at the top I said houses and NEW(yes I'm emphasizing new if you finance a used car you are financing someone else's problem that they could either no longer afford or didn't wanna deal with anymore) car, but that's something you should also be saving for. you should walk into the bank, or finance persons office with at least 35% as a down payment again if you know you want something that far out SAVE UP FOR IT. People get stuck in these endless cycles of debt because at the last minute they realize "Oh you know I want one of these too" shit if you dream is home ownership sock some money away, a car sock some money away. The more you have saved to put down on it, the less you owe on it over the time of the loan and the smaller your payments will be.

Lots of people have been sold on the credit, credit, credit ideal and not including saving with that credit. Which is why debt levels are so high and savings rates so low, nothing beats cash, not even a good credit score. Why because your credit score says you SHOULD be able to afford something and can be reasonably expedited to pay off said debt, having the cash for it guarantees that you can afford it and there is either no or very little debt to pay off. Your credit score is your enemy high or low, it just says how much somebody is going to allow you to owe them, be owed don't owe save up for what you want.

I guess I shouldn't be surprised

In essence I've been jacked, see that name up top, yeah PRIMALDATA that's mine. It's been mine since that fateful day waaay back in 1995 when I first plucked it out of the air from my own twisted mind.  I'm kinda partial to that name, I mean it's been me for over 15 years. Yes I have a real name(which I may put in another blog), but out here on the net I don't use it, IRL(In Real Life) I'm that guy, on here I'm primal. Oh yes I have used a few other names but for the most part if it is me and only me I use primal. I may put the year so you can check and see how long I have been a member of said group(my XBOX 360 name was PRIMALDATA 2005 signifying that I got my 360 in 2005), there is a current one for this year for something else my 360 is busted so now I'm rockin another system.

So doing my google yaself to see where ya at and make sure it's all straight I have found what do you know PRIMALDATA pops up, on a site I have never heard of, joining a clan, for the 360, for a game that I do play, but didn't play at the time.  And reading the syntax of the person, I'm wondering if it was innocent(I have shot a lot of people in rainbow 6 vegas, a lot of people my name may have stuck in their heads) or if it was deliberate. I don't know about you but identity theft whether real life or online is never kosher. Because we all tend to put parts(or in my case all, I'm me whether real life or online I just didn't use my name I used my online name) of ourselves into these persona's. I know why I picked that name, I know what it signifies. I know what others think it has signified over the years and when I am asked I do correct them, simply because you are who you are and while if the legend becomes the truth print the legend, if you control what is printed print the truth. Because then you control the story not some writer, or editor.

Yes I'm pissed, I mean who dares use my name? My name did ya ask, what you didn't see me on 360 for a minute a figured hell that was a cool name why not use it. Which just like in real life the answer is simple, it's not your name. You have no claims to that name, you never did. I didn't realize in this digital world that we had to go out there and start registering and copyrighting our names but it seems we just may have to. I mean I'm used to trolls, you embarrass them in a chat room, a news group(on twitter) wherever and they decide to parody your name and use it for their own purposes. Usually said purposes are the smearing of your good name by having folks report you, because as far as they can tell you did them wrong.

A name like mine the normal trick depending on how I have it spelled on the site is to spell it PRIMA1DATA but lower case so that that 1 looks like the l like so prima1data or do it in all caps but with the first I being a lowercase l like so PRlMALDATA the human eye rarely picks up the difference. And of course since your probably pissed your not gonna wanna hear me claim I never said a word to you. And most moderators or quick with the ban hammer and are lazy when it comes to checkin up on those things.

So there is a gamer out there using my moniker to play shooters just like I do, whether or not we have to have an argument about my name we shall see, I hope not I hope that if it was in omage he will switch it to a close translation or else that we can come to some civil understanding of him NOT USING MY NAME. Not to be rude but, I've been using it longer and personally don't want to share it. I've only used the translation once and personally he can have it. I want me though because thats me, it's a second skin who I log into when I enter the digital world, and I'd like to think it stays that way

Wow over 2 months

I've been busy, I don't mean oh I've just been laying around goofing off no I have actually been busy. Most nights I get home get a bite try to relax for a sec and off I go, tonight not so much.

I hit 10k on twitter and kinda disappeared, again BUSY. Quite a few things I wanna touch on(wouldn't mind touching on a few people either) but while I have wanted to blog, have had subject matter to blog one I don't have the follower base on this one(the non cussing randomosity does not come as freely as the cussing randomosity does)  Plus my mind has been on other much more important(to me) things.

Luckily things have come up smelling kind of rosey, Sometimes just getting news is good news to hell with whether it's the news you wanted or not.

So hi again it's primal I am still around, and no I have not been blogging anywhere, period. I need to fix that, like seriously but we shall see

WHy I wouldn't recommend being a nice guy/good man

There is absolutely no benefit in it. Let's be honest most women are the queens of the listen to what I say don't pay attention to what I am actually doing mindset. I mean from personal experience most who know me will admit yes I am a good guy, no that is not to say pushover yes I can be overly opinionated, strong minded, picky and determined(trying to find a way to say butt hole in a nice way to stay within the guidelines of the blog). I am still a good man though never cheated in my life, I go out of my way to help you hell sometimes out of my way, I am loyal to a fault, and as long as your with me you don't have to worry about being scared that I won't be in your corner.

And all that and 3 bucks might get me a cup of coffee on a saturday night ALONE. Why is this, because most women while to "protect their image" will claim that they are looking for a guy with my general characteristics I'm not who they are looking for. Now I'm not the handsomest cat on the planet, or the tallest(I'm 5'10 so I'm average height), I won't deny that I have added a good 50 pounds since high school, but I know I'm not the ugliest cat and I know as long as I feel you are worthy there is no such thing as me being a tight wad. I may not throw my money in everybody's direction but I will spend whatever on a cause or person who I feel is a worthwhile investment, period. I mean lets be honest, there are a lot of guys out here like me, intelligent, hard working, compassionate, kind, understanding and humble.  As I have said before the names for us are usually Herb, Cornball, Punk, Square, and Lame. The reasons are simple we believe in looking deeper then just ya bra size and your measurements and believe that you deserve to be respected if you have earned it.

Most guys like me feel that if I'm with a woman I think is beautiful and she loves me I am the luckiest man on the planet, I'm not trying to run out and prove I can get 50 women just like you I'm trying to find ways to spend more time with you and maximize the memories. What good is that I guess I mean if your not the top choice of a guy with a harem I guess that ain good enough. It appears that most women would rather have a guy string them along for years because he makes their girlfriends jealous(or wet cause he may just be with you because you and your crew of friends he is planning to hit are pretty) then be with somebody who actually wants to share the rest of their lives with them. Oh I know "successful" women can't find a man, no while some of these women MIGHT be successful some of them are overstating their station and current value. Not only that but they can't offer half of what they are asking for so really how you expect to be given a home run when you may only be giving a double is beyond me ie how you expect to get someone who will fulfill your wildest dreams when you may not even be able to meet that persons expectations halfway is foolish and immature.

I know I often fight with women on this subject for a simple reason, you want me to take you seriously as an individual yet you want to lump me into a group with your ex, some dude who you gave the time of day and wasn't worthy of your time, or the other "top choices" you decide to deal with but are constantly leaving you wanting for more. As has often been said the common denominator going forward in any relationship you are involved in IS YOU. Thats right ladies if you can NEVER find a man that meets your qualifications sit down and figure out if you meet your own qualifications.

Most relationships are about balance and give and take. While the "classic" role definition may not be necessary role definition is necessary. If you make more fine, you make more but if you don't want him rubbing your nose in how much more then you he makes, and how he is big time and your small potatoes remember that when your in the big dog position. If you don't want to cook and he doesn't have a problem with it you better have something you can bring to the table in it's place, make a mean martini, love the same team as he does something. Most women fall into a trap of they have a set resume they want their man to meet up with yet when it comes time to see what dude wants "well why can't he just accept me for me" and the answer is simple "because you want him to live up to your expectations". And that isn't a bad thing, or a petty thing at all that is as long as you can reciprocate.

If you like long walks in the park, quiet evenings, and a foot massage after a long day when he talks about wanting to go to a ball game even if it's in the snow you better wrap ya behind up and go with him. If he is willing to sit through a chick flick, you better go see at least one action movie or comedy. If while you know you want him close you know you want girl time, if you expect him to trust you until otherwise proven you better trust him. Because honestly the only person you are showing is untrustworthy is yourself, yeah I said it if your saying basically that when out of your sight he would cheat the only way you could think that way is if out of his sight you are doing stuff you know he wouldn't like.  And don't present some ideal woman you think he wants, be willing to find a man who loves the real you flaws and all. Somebody who you ain got to worry about taking your mask off and him feeling betrayed.  If a man can't like you for who you are he isn't worth your time anyway, ever wonder how guys can constantly get told no yet continue to ask women out. Simple we know when we find the right one it will be magical(if we're looking for the right one, if we're just looking for draws it will still be magic just for a shorter period of time, what would you rather I lied to you? Too bad I ain got time for that).

All this being said who still gets the majority of the phone numbers? Who when you ask them are women constantly making excuses for why they date instead of making excuses as to why maybe you just aren't there type? And it's kinda funny because many of the reasons given if a guy were to turn it around on a woman on she would be pissed. Because it has nothing to do with her and everything to do with what you think she will be like because of how she looks, and that is the same way she's looking at Mr. Nice guy. Because he isn't disrespectful he must not be strong, if you think about it though what takes more strength pushing people around so you don't have to listen to them or finding a way to get along and work with them even if you might disagree? Yet not realizing it is a condemnation of themselves women will complain oh well I will just walk all over him, yeah um that isn't a fault on his part if your like that you need to go work on you. Patience is the virtue not an overblown sense of self.

Well bad boys know how to "do it better" yeah okay, if you still ain getting off and he has a long list of things you want to try that he don't is it that he does it better or that he just takes you more forcefully and for that few moments he's there it's raw passion yet your still not fulfilled. Sometimes you have to respect that it takes time to learn what your partner does and does not like, just like it takes time to learn what you like. And if you are unwilling to show that person your probably don't want to be fulfilled, I'm just saying.

Oh yeah nice guys are too shy, well actually a real nice guy is trying to get to know you first, before he goes all out and lets you in he wants to make sure you are worth the time he is gonna dedicate to you, and yes I said dedicate. Because those bad boys who are running their mouths usually forget about you once they get what they want, I mean how often do you complain about a nice guy not calling you back and checking to see how your day is? I mean yes your still going to argue doesn't matter who you are in a relationship with you are gonna have a disagreement and you need to. You have to see if you can work it out with someone when you disagree maybe your right maybe he's right but right ain gonna keep you warm at night. Nor will it hold you as well as the other person will so you have to be willing to come to an agreement and stick to it.  You have to be willing to weather a storm or two together to see how you are gonna deal with the long haul.

I know I know it's a lot to think about, but then again if you want the best how are you just gonna walk in the door and get it without doing any research yes if you blind fold a monkey and give him a dart sooner or later he will land on the name Tiffany, Saks, BMW, or Mercedes but wouldn't you rather take you time and find it yourself and save a lot of time, hassle and heart break?

Okay the day has passed so let me do this dang blog

Yes I am officially 35, 2009 has been quite an interesting year. I've changed addresses again(what is it with me and not staying in the same place for a full damn decade, going back over my history I have always moved at least once in a decade and this decade I have been an over achiever might get into that around new years), I know for reasons of saving money I am staying with family but they got caught up like a lot of folks in the mortgage crisis, so we had to move. Oh well life happens. The business has grown so while I have been in memphis longer then I had originally planned I am making progress on that goal at least.  I have made two trips to atlanta this year, I met some great fellow bloggers the first trip this trip I spent 3 holidays with my wife(okay I am spending, spent our anniversary, spent my birthday then of course christmas, having a christmas eve birthday has it's perks and will spend new years), we've had fun.

Got some necessary items for the home and have been enjoying each others company. I would brag on what I have gotten for christmas but I have been robbed twice on this on so joyous holiday so I know to keep it shut, we didn't but a lot this year was about spending time together. I guess I have done okay, I mean I haven't done great this year. Let's see I'm in a payment agreement with Dewey, Cheatum and howe I mean it's comical, though the best part of the comedy is with all of their wicked ways they ain getting over on nobody but themselves.  I need to renew my license, it expired the on my birthday. I have to go to court for an accident I was in when I get back. As has already been stated I need a new laptop, so I will also be chronicalling that journey over the coming months both on here and possibly on ply. I'll give the Laptop name and probably model number, a few of it's features what I like and what I don't like. Right now I'm leaning towards a Vaio mainly because I like Sony products (except for the PS3 still don't own one yet) and I want one with a blu ray player in it and it seems to come standard with Vaio's.  I digress.

09 has been an interesting year for me, Have learned a lot got me a crackberry been enjoying the hell out of that. I've done more travelling around the midsouth, started to exercise a little bit need to get on that a whole llt more though. Hmm I mean usually I do these blogs the day of my birthday but with my laptop being dead well it wasn't that easy.  So this is my attempt at catching up, I should also state that while I have blogged a few times on the Wii it isn't as easy or as user friendly as a laptop or desktop. Desktop I have in memphis laptop has died here so for now I am without.

Glutton for punishment

Let's be honest you're not sitting here reading this right now so why sit here and type it out. I mean I don't give this blog pub So while I have a minor following in other places where people might respond as of this point on this blog I'm the sound of a tree falling in the middle of the forest. So why waste the time typing this one out while my laptop is fried? Simple because I wanna see how hard it would be to blog from this Wii for right now. Yup I am typing this blog from Wii internet channel, trying to see how hard it would be and what it would take to get it done. That way if I do decide to go ahead and blog on my more established blog that folks are probably wondering if I died on or if I am just having too much fun on vacation to be bothered to respond, I might try to blog there. But some place always has to be the guinea pig, and yes today this time, blogger/blogspot is that test subject.

Now I will admit it is slightly weird not being able to see more then a line at a time is SOMEWHAT messing up my flow. I mean I admit to having diarhea of the keys on my best day but when I can't see how long the paragraph has gotten or how far I have allowed the sentence to run, yup puts me at a slight disadvantage. Plus no mouse interaction nor other minor functions that I have gotten so used to on my laptop and desktop, no auto spell check, I actually would have to go back through the whole blog to edit(yea yea call me mildly lazy), I can't cut and paste(did not realize how much I like that ability til now). SO if I do decide to ply it, man I got to be ready for war, kind of reminds me of typing up my reports in high school before I got a PC or where had a reliable computer lab handy. MAAAAAAAAAYNE the amount of correction tape I used to run through, and the pages I would have to retype when I missed words or letters. Can I tell you whippersnappers something thank the baby jesus(yeah yeah I did watch talledega nights shoot me now as much as I complain about the stupidity of that movie) that you have PC's everywhere that are mostly user friendly. Because the ease that yall have it now, cutting, pasting, selecting whole lines or hell being able to read the entire presentation before either e-mailing it, or printing it out. Whew I would probably be my english teachers favorite student presentation wise anyway if I had a PC of todays quality back in the early 90's.

I mean yes I happen to type at a decent rate, but even typing at a decent rate doesn't save you from a mistake or two when it's on the paper(like say the 3 times I just hit ; instead of ' or the b's I hit trying to type instead).

Now I don't blame my problems I am noticing so far on opera hell for what it was probably planned for, this is working out swimmingly, but I will say this is an interesting experience that depending may cause me to wait til the new year to get a new laptop when wifey has agreed to let me spend a little more dough.

I think I will buy a Laptop in the $600-$800 range(I can't use the end button yall gonna make me cuss and this is my Parental Unit friendly blog, and by parental unit I mean my parents I don't curse in front of them unless one slips out) a couple of nice sony, dell and toshiba offerings in that range. I mean I like my acer it was a great laptop and for the last 2 years has served me quite well but a dead fan is a dead fan, I could probably steal one from another acer or hell stick my hard drive in one of the other acer laptops laying around the house but I need a laptop with windows 7 on it any way.

Oh well decisions decisions but I think I should have typed enough No I am not gonna try to put any HTML in here, no reason to try and fry wifey's Wii. If this looks alright maybe I'll log into multiply and talk to the family.

Toodles I hope every one is having a great holiday season. I don't know if I will do my birthday blog here or on ply since yahoo 360 decided it no longer wanted to be in the social networking game(even though that site rocked)

He who is without sin cast the first stone

I wanna remind people of something the guy who said that didn't touch a rock, pebble or brick. So for the CONTINUED Tiger Woods coverage, really why is this still a story? Is it because the Billion dollar black man listened to his penis? I mean I have yet to see the front page apologies to Michael Jackson as well as the crusade to have EVERY LAST DIME of the money he paid out to the people who were lieing on him claiming that he was a child molester repaid. So here is my question if you are a minority who has made more money in your Genre than could be imagined by your peers of any color does that mean that folks not only get to drag your name through the mud but constantly re-wet said mud daily until they really find something juicier to talk about? I mean seriously, I mean he is just a golfer but for real how many athletes at college or above level if I follow them from the practice or game facility to their hotel room am I not gonna find the essence of groupie?

And as for some of the sports columnists is it jealousy? I mean what is the main difference between them and tiger woods, he isn't FREAKISHLY HUGE, think about most of them the sports they comment about they have no chance in. A bunch of 99 pound soaking wet or out of shape 300 pound blow hards. But golf, golf is all about technique, the swing, the decision making. And while there have been successful golfers in the past nobody is as dominant as fast as one T. Woods. So I wonder is this more then sour grapes is this also a sense of I can't get him anywhere else so let me pound this one instance of weakness until I run out of new ways to talk about the same thing. He cheated, whoopee his wife had the prenup renegotiated she'll get more dough if she decides to leave but past that his infidelity is not news past the first night. It isn't, how many people cheat in relationships, I mean really where does the morality police stand when it comes to me being allowed to root around in their closets to check and see if that assistant they travel with all the time isn't a traveling butt buddy.

Sam Raimi had it captured best in the first spiderman everybody is waiting for the hero to fail they wish to see you go out in that blaze of glory because then they become the important one, oh your still the legend and you are still great but now the storyteller takes center stage because if you are no longer out there doing it only the people who saw you and have said memories can tell the tale. Tiger and Elin aren't getting a divorce, your young daughter doesn't have a chance to bring Tiger's billions into the fold, I'm sorry you can say all you want but that swedish babe seems to like where she is and like many other women married to rich husbands probably just chastised him for being so sloppy with it and is sending him on his merry way, I mean think about it is he sending her divorce papers? No, that means going forward every dollar he makes(and I will remind you that a pissed off Tiger Woods is the terror of any golf tournament) she will still get the benefit of, like Kobe's wife more big diamonds are in her future.

The women who divorce their famous husbands unless they have writing skills, or say like Kimora Lee decent fashion acumen where do they go once big daddy's pockets are gone? Usually back to wherever they started unless Big Daddy decides to be generous and take care of her going forward, but even then you are only there until Big Daddy either runs out of dough or decides your not an expense worth paying for anymore. While together and still with him, well what do you know baby I'd like and as a husband especially one who probably has a slightly guilty conscience your getting it with no worries. And if he has some fetishes that you aren't into well guess what he can have those needs fulfilled by some sideline female you could care less about.

So honestly why are we still talking about Tiger? I mean is this part of the reason he was so dominant not only was he good on the links but he was also Mr. Playa Playa if so thats between him and his wife. I know many folks are all gossip all the time, but usually if somebody is that busy gossiping about someone else's life they really aren't to happy about their own. I mean honestly if my life was all that wouldn't I spend the majority of my time trying to live it? Let that marinate