WTF??? Turn on the Damn Power Already!
March 13th, 2010 | Added to Random Entries | 2 Comments »    

This entry is powered by my BlackBerry Tour 9630… Because there’s no electricity in my place and this is bullshit!

Okay, everyone knows that all of a sudden we went from a deep, frozen winter season to a sloppy, gross wet season, but come on! How is there a damn monsoon hitting Tinton Falls two weeks after a massive blizzard?! What is going on?!

And I’m sorry, but in 2010 there is no excuse for power outages in high tech areas like the northeast United States. Put the friggin’ power lines underground already and get on with it!

So that’s what I’m doing today. On a day when I have way too much shit to do to be sitting around in the dark, I’m sitting around in the dark. This is crap. Someone put the damn lights on already!

A Very Productive Week – So Far…
March 10th, 2010 | Added to Random Entries | No Comments »    

Even though we’re only at the midway point of this week, I think that I’ve had a very productive past couple of days – so far… Today, I was forced to work from home (like I really had to have my arm twisted!) because I had the Glass Doctor people come to my home and replace the windshield on my car. In terms of productivity, not only was the windshield replaced, but before the Glass Doctor guy came over I had a chance to clean out the glove compartment, trunk, and back seat of my car. This clean out is a part of the de-cluttering process that I’m trying to go through right now.

For example, aside from throwing out a lot of garbage that was accumulating in the car, I was able to take some t-shirts that I had been piling up in the trunk. The t-shirts were piling up there because I honestly had no where else to put them! Anyway, as I write this post the t-shirts are all out of the dryer after having been washed earlier today. Some of them are on the “charity” pile and some other ones are on the “keep these” pile. By the way, the “charity” pile of clothes is getting bigger and bigger!

Professionally, I’ve advanced nearly every deal that I’m working on which is definitely a function of the fact that this week is spring break for my undergraduate students and thus they aren’t around for me to have to teach.

I’ve been moving a bunch of my online projects forward, which I’m always happy about. As a part of this process, I’ve been able to detach some folks from Usable Web Solutions, LLC (i.e. let them know that they need to find a new “web guy”) and I’ve been able to send payment letters to other clients.

On a more personal level, I ran out of one of my prescriptions the other day and I managed to get it refilled (even though there were no more refills left) through the services offered by my pharmacy. This was a much easier process than I imagined it would be and I’m extremely happy that this worked out so easily. You know how much of a pain in the ass it can be to work around the pharmacy and the doctor’s office beating each other up… No thank you.

Oh, and after my car had the windshield replaced earlier today, I took it over to the inspection station and it passed inspection. So… I won’t be going back there for at least two more years, thankfully!

I also spent some time today doing some short-term (two month) financial planning to address some upcoming expenses that I have to deal with. Among these expenses are paying for the windshield replacement, paying for a flight to Nashville in April, and paying for my 2010 membership to the local CSA farm. By my calculations, I’ll be able to continue my $1,000+ biweekly payments on my one student loan and pay for all of these other items in full by April 15th.

And speaking of April 15th, I spent a few minutes today finalizing my taxes so I think that they’re ready to finally send into the IRS. I should be getting a decent return back this year, although still below what H&R Block suggests are the averages for people of my age and income level (not fair!).

As you can see, I’ve been pretty busy. However, before this coming Monday hits, I have to complete a grant application for a client that I’m working with on the side; begin, write, edit, and finalize a 10 page paper and presentation package for the class that I’m taking; prepare lesson plans for my class for the coming week; go to Pennsylvania for a wake this weekend; and review some material for the foundation where I serve as a Trustee.

All in a weekend’s work!

The biggest pain in the ass in the next few days will be going to the doctor this Friday. The doctor is going to be upset with me because I was supposed to lose ten pounds since the last time I saw him (early November 2009) and, instead, I think that I’ll either break even or maybe gain 3 – 5 pounds. Not good. However, I don’t have too much time to worry about that until after next Monday – which is good since that’s probably when my blood test results will be coming in.

Lots to do in the next few days. Don’t be surprised if I miss a day here and there updating the blog. Thanks!

Down to $90 Thousand – Figuring Out the Next Big Milestone
March 8th, 2010 | Added to Student Loans | No Comments »    

At the end of last week I hit another milestone in my student loan debt repayment when my latest payment was processed and my total outstanding student loan debt hit about $90 thousand. That’s a pretty big drop from the $121 thousand that I started out at, huh?

And while hitting $90 thousand in outstanding student loan debt is a big accomplishment, I find myself focusing in on defining the next big milestone in my repayment plan. Sure, the obvious choice is to hit $80 thousand outstanding (and I project that I should be there around July 1st), but there has to be something in between – and I think I know what it is.

I now owe a little more than $35 thousand on my NJHESAA loan. I think a nice interim “big milestone” will be when I bring that particular loan below $30 thousand. According to my projections, I may hit that particular milestone around May 15th, but that depends on a lot of different things falling into place.

So, today I celebrate getting the student loan debt down to $90 thousand. Here’s hoping that we have an entry about me reaching $89 thousand before the end of the month!

In May 2006, I graduated from Rutgers University with a Masters Degree and $120,720 in student loan debt. I currently owe $90 thousand, which breaks down to $35 thousand owed to the New Jersey Higher Education Student Assistance Authority and $55 thousand owed to the United States Department of Education. Follow my student loan repayment story on JerseySmarts.com.

Are High School Guidance Counselors Doing Their Jobs?
March 6th, 2010 | Added to College & Fraternity Life | 1 Comment »    

There was a time when if you wanted to get my Mother, who reads this blog (hi Mom!), really pissed off all you had to do was ask her about my high school guidance counselor. Forget about it! My Mom used to get really fired up over what my high school counselor did, or more aptly didn’t do, for me when I was a high school student.

Oh, this is going to be one of those longer entries that deals with a personal story from my past which I think you might find entertaining. So sit back and relax and read a little bit of my history…

Before I get started with my story, I thought that I would let you know how this memory was dug out of the recesses of my mind. The other day the New York Times published an article that talked about how high school guidance counselors are receiving failing grades from their students. The article says:

Most people who graduated from high school in the last dozen years believe that their guidance counselors provided little meaningful advice about college or careers, a new study has found. And many said the best advice on their futures came from teachers.

“Most young adults who go on to college believe that the advice of their high school guidance counselors was inadequate and often impersonal and perfunctory,” according to the study by Public Agenda, a nonprofit research organization.

I just fall into that category of people who have graduated high school in the last twelve years. And I can safely say that my high school guidance counselor strongly falls into the category of someone who never gave me “meaningful advice about college or careers.” She definitely “was inadequate and often impersonal and perfunctory.” Frankly, she absolutely sucked at her job and I hope that she didn’t do to other students what she did to me.

Intrigued yet? Read on!

Let me set the stage. I was always an outstanding student. I swept the eighth grade graduation winning almost every academic award that Mount Arlington Public School offered including the Academic Excellence award. It was the same story in high school, where I routinely received straight A’s in honors and advanced placement classes. On top of being a great student, I was a highly involved student, too. I was Vice-President of my Freshman class and then President of my class through Junior year when I became the President of the Student Council for my Senior year. I was a varsity starter on the football, wrestling, and spring track teams and captain of the wrestling team in my Senior year. I was the New Jersey State Interscholastic Athletic Association scholar athlete of the year my Senior year in high school. I was in a bunch of honor societies including the National Honor Society. I even wrote for the school newspaper!

Needless to say, I was clearly a highly involved student – and not just “involved” with bullshit clubs that had two or three members. I was one of the leaders in my high school of approximately 1800 students.

So we’ve set the stage.

When a kid like me is getting ready to start applying to colleges, he obviously gets offers from all over the place. Now, I could go into how we were bombarded at my house with letters and packages from colleges who wanted me to apply, but that would detract from the story about how inept my old guidance counselor was during my senior year. So we’ll focus on a few schools – Muhlenberg College, Bloomsburg University, Harvard University, Princeton University, Rutgers University, and Monmouth University. Why focus on just these schools? Because these are the ones that I applied to when I was in high school.

In truth, I really wanted to go to Muhlenberg College because my football coach had worked out an arrangement for me to get, essentially, a free ride at the school where I would be playing football and possibly even wrestling in the off season. That’s what I wanted to do and I was glad that an arrangement was being worked out – I even remember meeting with the Muhlenberg College coaches on one of their visits to Roxbury High School my Senior year. In fact, I only applied to the other schools just because I wanted to see what the responses were (although I did apply to Monmouth University because they were also recruiting me to play football – which is a story for another time).

Like any overachieving student, I prepared all of my college applications well in advance of their due dates and brought them to my guidance counselor at Roxbury High School at the beginning of October in my Senior year (this would be October 1998). The reason I had to bring them to my guidance counselor was so she could attach my official transcript and get them out during the early admission period. Roxbury High School also had a service where they sent the entire application package out on behalf of the students, which was great! So, I brought my applications to the guidance counselor, she told me they would be sent off by the end of the week, and that was the end of that process. She also mentioned that sometimes colleges take weeks or even months to get back to the applicants, so I should sit tight for a while.

And I sat tight…

My senior year of football was incredible. We were going at a million miles an hour and we wound up winning the first state championship in Roxbury High School history which was major news in our town. From that victory I went on to become the captain of the wrestling team and I even won one of the winter tournaments that the wrestling team went to each year. I was pretty packed with things going on and while the college letters continued to come in, they eventually stopped coming in altogether at some time in January 1999. I thought this was weird so I asked my guidance counselor what was going on and I also brought up that I hadn’t heard from any of the schools that had I applied to yet. She told me that the applications were sent and that she would follow up with the colleges to see if they had accepted me yet.

My guidance counselor never got back to me with an update.

The months kept going by and I never heard from any of the colleges. Finally, at some point at the end of March 1999 I went in to my guidance counselor’s office and asked her what I should do. She said that she would follow up with the colleges and get back to me (sound familiar?). At this point, I began to get the impression that she was incompetent and that something must be up. I should also comment that I had been keeping my Mom apprised of the situation the entire time…

About two weeks after I went to see my guidance counselor (we’re in the middle of April 1999 at this point), I was called to her office where she told me that I had to sign some paperwork. I signed the paperwork and nonchalantly asked her what it was for. She said that it was for my transcripts to be attached to my applications so they could be sent out.

You guys putting the pieces together here? Can you see what happened here yet? If not, let me make it very clear for you…

My guidance counselor received my college applications in October 1998 and did not send them to the colleges until April 1999!

This idiot finally got around to sending out my college applications half a year after I gave them to her in the first place and months after she had already told me that the applications were sent out! My reaction at the time was, “WHAT?!”

I almost immediately knew that my chances at getting that free ride/double sport package at Muhlenburg College were gone. However, at the time I couldn’t comprehend how this woman even had a job bad of a position my guidance counselor put me in…but my Mom knew what this woman did to me. And Mom took action!

I went home and told my Mom what my guidance counselor told me and, from what I remember, all Hell broke loose! My Mom may need to refresh my memory on what happened next, but she either physically went to the high school or called the high school and went ape shit on this idiot guidance counselor. Like most Moms, my Mom is good at going crazy when other people’s incompetence negatively affects her children. Hey – you don’t mess with someone’s kids, you know? As I recall, I’m pretty sure my Mom threatened this woman with lawsuits and possibly with some physical damage (my Mom doesn’t take any shit from any one – she’ll smack a bitch if the situation calls for it).

From what I remember, after Hurricane Mom dealt with my guidance counselor I was called back into the useless counselor’s office and the woman promised me that she would be calling each college personally to admit that she made a major mistake and that my applications shouldn’t be viewed negatively because of her incompetence. She was also going to try to get me the dual sport package back at Muhlenburg College as well as the various scholarship money that I was eligible for given the fact that I was averaging a perfect 4.0 on a 4.0 GPA basis.

Well, Muhlenburg wasn’t interested so that whole package was gone. Rutgers said that they were interested, but that I was past some deadline for certain types of financial aid and that I’d have to pay most of the tuition. Bloomsburg said that they would take me, but only if I was in their History program (which I didn’t want to be in at all). Harvard never responded. And Princeton said they would be interested, but that they couldn’t offer a financial aid package and that I would have to be in an academic program that I didn’t want to be in (I don’t remember which one it was – something with science, I think). The only one who accepted me on the spot and offered multiple thousands of dollars in scholarship funds was Monmouth University. I accepted the Monmouth University offer and that was the end of my dealings with my completely incompetent high school guidance counselor.

My Mom thought that I had a legitimate lawsuit against the high school and the guidance counselor and I agreed (she probably still thinks I have a legitimate lawsuit). In fact, I think that the incompetence of the woman who was my guidance counselor cut short what was an otherwise meteoric academic rise for me throughout my younger years. I mean look – I was on a roll! And I was going along at the speed of light until I hit the brick wall that was the incompetence of my high school guidance counselor.

Looking back, I was pretty aggravated at how this whole thing went down. At the time, I really wanted to play football in college and I thought that with my grades and extracurricular involvement that I should be qualifying to go to school for free (and I still believe that I should have gotten a free ride in college). Granted, I did have an opportunity to play football at Monmouth University, but it didn’t work out – which, again, is an entry for another time (which most of you will find pretty interesting).

However, I’ve learned many things from my experience with my inept guidance counselor. First, I’ve learned the ins and outs of the entire college admissions process. This is something that no one in my family really knew inside and out prior to me going to college and this fiasco with my guidance counselor. Second, I learned that most high school guidance counselors cannot be trusted to be effective at their jobs (also proven by the New York Times article linked above). And third, I learned that when it comes time for my kids, my nieces, and my nephews (when they’re all born) to apply to college that I would like to take an active role in their application process so that they aren’t screwed over by their guidance counselors like my counselor screwed me over.

I wonder how many other students were academically harmed by this woman’s inability to perform the basic functions of her job. I wonder why she was able to keep that job for so long. I wonder how many students could have gone to Ivy League schools if this woman knew how to do her job correctly. Isn’t it amazing to consider how many lives one person’s incompetence has either ruined or negatively affected?

To end on a good note, though, the other day I went to my old high school’s website and the incompetent moron who served as my guidance counselor is no longer employed by Roxbury High School. Thank God no one else has to suffer getting their legs cut out from underneath them because of that horrible, miserable woman.

The 2010 Clean Out: Part One – The Shirts
March 5th, 2010 | Added to Random Entries | No Comments »    

For the past two days I’ve been talking about de-cluttering, cleaning out, making more space, and getting rid of things that I no longer use. Well, the other night after I wrote the first entry in this little series I actually went under my bed and pulled out both of the plastic containers with the old clothes in them. As if that wasn’t scary enough, I pulled all of the clothes on hangers (i.e. t-shirts, button down shirts, and polo shirts) out of my closet and threw them on my bed.

It was a complete disaster.

My goal was to separate the clothes that I haven’t worn in over two years from those that I wear on a regular basis or a semi-regular basis. Aside from the horrifying sight that was the heap of shirts on my bed, this was actually a very easy process because, well, when you don’t wear a shirt for over two years you know it!

While this was a good way to begin removing the excess clutter in my closet, the cleaning out process was also aggravating in many respects. Here are some of the reasons why the first phase of this clean out was annoying:

  • Never Wore the Shirt. By far, the most aggravating part of the clean out process was looking at all of the shirts that I purchased and never even wore – not even once. I’m not talking about shirts that I picked up, wore out one night or wore to work one day, and then forgot about (skip down to the next category). No. I’m talking about the shirts that I purchased because they were on sale or they were buy 2, get 1 free or whatever and the never, ever wore them. Not only have these shirts created a bunch of wasted space in my closet and underneath my bed, but they’re also a great example of money that I completely wasted.
  • Underutilized Shirts. This is similarly related to the previous point. While there were some shirts that I never wore, there were other ones that I remember wearing once or twice…and that’s it. Oh, and I’m not saying that I wore these shirts last week or the week before – some of these shirts haven’t been worn since I was in college. Once again – a complete waste of space and money. Damn it.
  • The Frustration of Weight. If unused and underutilized shirts are in a sort of tie for the most aggravating part of this clean out process, then a seriously close second place would be looking at all of the shirts that I wore when I wasn’t as heavy. Talk about a downer. I dug out some t-shirts that I haven’t worn since about 6 years 90 pounds ago. Some people might suggest holding on to those shirts so that I have them for when I lose weight. Well, before the day comes where I start dropping weight in large quantities again, I have to figure out how to break the combined curse of my two hour commute and my diabetes medication. It ain’t easy, folks…in fact, it’s downright f’ing frustrating. Anyway, looking at all of my old clothes that I used to be able to fit into was aggravating.
  • The “Good” Aggravation. I guess this final point is a bit of an oxymoron, but having all of these useless shirts laying around has me planning a trip to the local Monmouth County SPCA. I donate my old clothing to the MCSPCA because they sell the clothes and use the proceeds to help fund care for the animals. It’s a great program, actually. So I can live with the aggravation of having to drive over to the shelter because I know that the end result will be beneficial to someone’s future Fido or Kitty.

Now that the shirts have been cleaned out…my various collection of jeans are next. You want to talk about buying pieces of clothing and never wearing them? I have some pairs of jeans that still have the tags on them…

Using iTunes to Replace Some Would-Be Book Purchases
March 4th, 2010 | Added to Random Entries | No Comments »    

Yesterday, I summed up my entry by saying that I could kick start my personal de-cluttering process with an early spring cleaning. Somewhere in my entry I also commented that one of the best ways to de-clutter your life is to not buy new things that you will not use in the first place! This brings me to a topic that I’ve wanted to cover on this blog for the last two weeks – the unbelievable reach of iTunes.

Hang in there, I can actually draw a correlation here and make this make sense!

Over the last few weeks I’ve been dabbling in this iTunes U and some of the more educational-focused podcasts offered on iTunes. By using some of the features on iTunes and more specifically iTunes U, I’ve been able to get the mental stimulation that I would normally reserve for reading books. Seriously! I downloaded a bunch of podcasts from a doctor who interviews other doctors at the University of Michigan and asks them about health questions that pertain to their fields of study. These people are experts in the topic and they give away free information about the disease or condition for free. How great is that?!

And with iTunes U I’ve been able to turn some of my daily commutes into mentally stimulating experiences as I listen to professors for Yale and Harvard Universities talk about topics that I’m interested in (business management, nonprofits, leadership, American Colonial History, writing, personal finance, etc). It’s absolutely wonderful if you’re an information junkie like I am!

With this comes the integration of other services into iTunes like Audible. I’ve downloaded a few audiobooks from a family account and I plan on listening to some of them in the next few weeks during my trips to and from work. Hey, we all know that I absolutely hate my commute so if I can turn it into something more than just mindless driving to and from Trenton, then I’d be happy to do so!

But to keep with the theme of the last few days – by utilizing electronic media more often I’ll be able to cut back on the amount of books that I buy. Now, I’d never give up books altogether because I’m one of these readers who thinks that there is something that you lose when you don’t have the actual book in your hand and the words in front of your face. However, if I can purchase a few less books each year by listening to a few audiobooks instead, then that only helps to reduce the overall amount of clutter in my home – and that’s not a bad thing at all.



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