Here we are in November. I wasn’t going to blog today…

I’ve got to run a couple of errands. Then it’s back to the house to try to get something done.

Last week I was pretty productive. Then the weekend hit and I haven’t felt like doing a damn thing. It’s getting cold, and for some reason the house feels colder than usual. 

On the plus side, Jesse has taken to sleeping cuddled up next to me. I think he’s worried about his dignity, so when we first go to bed, he’s at the foot of the bed looking out the sliding glass door. Then sometime during the night after I’m asleep he stretches out with his head tucked against my chest. I’ve promised him that I won’t tell other dogs that he sleeps cuddled up next to me.

God forbid that he’d tip his paw about actually liking me!

I’ll admit I like waking up with him next to me.

Both of us slept late today, and we’ve both been sleeping later in general. I’m pretty sure it has to do with the sun. This time of year, the sun doesn’t make it above the mountains to the east until late in the morning. In summer, the sun rises and starts blasting into the bedroom about 5:45 am. This time of year, all you get is an orange band resting on the eastern mountains. It’s very easy to turn off the alarm and just go back to sleep.

IMG 2877The master bedroom never gets direct sunlight from fall through spring.

You can tell time watching the sunlight move up the line made by the wash. The wash itself points almost due north. The shadows cast by the mountains onto the banks of the wash mark the passing of the day. It’s not actually an earthen works sundial but after having been here for so long, I can ballpark the time of day from how much of the wash is in shadow, and which bank, the light is falling on.

I was thinking about the issue of moving. When I had the apartment in San Diego, the bedroom didn’t get light until afternoon. This was a problem because I had to be in bed by 8pm to get up for work at 3am. The room, indeed the whole apartment got, and stayed hot in springtime and summer. The winter sunlight barely hit my apartment so the place was cold as heck. The upshot is that I had to run the heat or air almost all the dang time.

I was thinking about specifications for a new place I’d like to live. I thought perhaps having a master bedroom window facing east would be good. I could wake with the sun, and the room wouldn’t be baking all day so perhaps I wouldn’t have to run the air all the time just to be able to sleep.

I just realized something else. I prefer to have the windows open. I like breezes and the smell of grass, flowers, and rain. This house for example almost always has the windows open in spring and summer. (Unless crazy pants is screaming, or the flood control folks are driving dump trucks, bulldozers, or graders, up and down the street, or the jackass up the road is cutting and grinding metal or running a chain saw at 10PM.)

Still, even with all of those annoyances, we kept the windows open most of the time. The neighbors would open their windows when the other half was practicing harp or piano. Sound carries quite well here. The mountains form a natural amphitheater. It seems too big to be an amphitheater but you’d be impressed at how small sounds echo up and down the canyon.

That suggests that where I go to live should be in a more temperate zone. Northern Florida almost but not quite fits the bill. I think further north might be a better fit for me personally. I have been very surprised at certain friends reactions when I mention that I’m considering or have considered FL.

Almost universally they’re against FL. It’s very strange. When I remind people that I was born and raised in FL until I was 14, the response is, “well you’re different,”

Different from what, I wonder.

Then I remember the continuous hit jobs the media has done on Florida, from the COVID panic to DeSantis running for President. Absolutely nothing Florida does wins the approval of the media. Although, a whole lot of the people of Florida seem pretty damn happy. 

If the media would stop for a minute, get past their bias, and really look at Florida objectively… Well they’d be ashamed of themselves if they had any shame left.

In the media, Floridians are almost universally lambasted as ignorant redneck doofuses. Everyone in Florida drives monster trucks with confederate flags. Everyone is white and racist. (Most of the white people in Miami came from New York… so New Yorkers are racist by that measure…)

It’s gotten to the point that rather than fight it, Florida is having some kind of “Florida Man” festival where it looks like they’re going to lay claim to the caricature the media have created. Knowing Floridians, they’re going to blow the caricature way out of proportion as a huge middle finger to the rest of the country that loves to badmouth the state. I’d also say that many of the Floridians want everyone in the big cities thinking Florida is dangerous, because it keeps the real shitheads from visiting or God forbid moving to Florida.

Florida and Floridians are not what the media says they are. I personally think that Florida is badmouthed all the time simply because Trump lives there. And wherever Trump is ALLOWED to live, must by definition, be simply awful. There’s a whole lot of really weird shit regarding Trump. I’m still blown away by how much venom is spewed his way and how so many people are willing to look the other way when his rights as a person are taken away. There is a lot that is simply wrong on its face.

None of this is why I’m hesitant to move to Florida.

I want four seasons, and occasional snowfall. I want a little more property than most of the Florida homes for sale have around them. Well, at least in my price range… How is it, if Florida is such a shit hole that the home prices have shot through the roof and indeed the availability of homes in the state is constrained? 

Even northern Florida, might be a little too hot for me to be really comfortable with the windows open. As I said, I like having the windows open. That being said, I might still spend a month in Northern Florida before I make a final decision about where I want to live.

It’s got to pass the Jesse test too. He’s probably going to last about as long as I do. I know I don’t have another move in me. Once I get where I’m going, I’m probably going to be there until I die. Not to be all Egyptian about it, but he & I will likely kick off about the same time.

I was thinking about moving someplace based on the governor, or the state legislature but realized that was only temporary. Governors come and go, legislatures change too. I’ve decided that I’ll choose my next home based on the general population. 

It’s people that vote and make a state a good place or a bad place. The majority of California’s people are bordering on socialist / communists and the state reflects that. The majority of Florida’s people are conservative, constitutionalists, obey the law, ain’t nothing free, capitalists, and the state reflects that. I’m way more comfortable with the latter. Having decided that, it’s a matter of degree. 

Where on the scale between Blue (Communist Leaning) California, and say a super RED state like Florida, Wyoming, Montana, or South Dakota do I want to live?

Were It not for the winters in Wyoming, Montana, and South Dakota, (and their house prices,) I’d consider them. Problem is, I just don’t want to do harsh winters. I’m too old to really enjoy them. The snowy winters where I live now are too much. Visiting Wyoming or Montana might be something I’ll plan to do in Spring or Fall.

I don’t know… I’d like to have a destination in mind before I put the house on the market. I think I’ll be spending this Winter, sorting and tossing stuff in preparation for getting out of California.

I’ve gotten to the point where getting rid of stuff doesn’t seem like I’m violating the memories of the other half and our life together. I guess that’s what grieving is about. You have to come to peace with the loss and let the wound heal in its own time. The healing can’t be rushed or forced. You’ll know you’re there when tossing junk your other half just had to have, no longer has an impact on you. When it’s just stuff, you’re nearly there…

I’ve wandered all over the map for a post I never intended to write.

I Promise, I’ll try to do better. But when we move to DST, expect some really wonky posts. 

Time Changes and I do not get along!

From the only for MORONS page!

This post is bumping one that I was working on for today.

The reason is that I picked up the mail and there were some things that caught my attention. So much so that comment is necessary.

Credit card companies keep sending my other half, who has been dead since the beginning of the year, all kinds of applications.

This cracks me up!  The only way to reach him might be via a medium, or séance.

Since these are credit card applications I dutifully open the oddly sized, overly thick, packages then feed them to the shredder. The applications are specifically built to not go through the shredder without being opened. I’ve been looking for a heavy duty shredder.

These applications usually have his name all over them and even though he’s dead, I don’t need to make it the least bit easy for some illegal alien to break the law by committing identity theft and/or credit fraud in addition to breaking our immigration laws.

I know… I’m a mean, Old, Racist, MAGA, Terrorist Threat, KKK Member, Transphobic, Self loathing fag, White, CIS, Male.

As I was shredding the 4 different mailings addressed to my other half I noticed the first thing.

Back in the day, Credit Card companies would send people with really good credit, a Pre-Approved application. We all were on the lookout for these. They were golden tickets. In some cases all you had to do was sign the form, put it in the supplied prepaid envelope and drop it in the nearest mailbox. 

4 weeks later, often sooner you’d get a brand spanking new credit card typically with a stupid high limit and not too bad an interest rate. I made the down payment on my first new car with one of those credit cards. (Another story entirely and indicative of being young and falling in love with a set of wheels.)

The language was, “You’re Pre-Approved for XYZ credit card.”

These applications I was shredding today said, “You’re Pre-Approved to apply for a Capital One credit card.” That’s when my brain rebooted. Pre-Approved to apply? What a waste of ink!

Literally everyone is Pre-Approved to apply. I could fill one out and have Jesse sign it. 

IMG 2920That was sort of offensive to me because it treats people like idiots. Granted there are a lot of idiots! 

I shrugged my shoulders, and with a smile fed the stupid waste of words into the waiting maw of the shredder. 

The second bit of information was the interest disclosure.

As I was shredding, a bit of paper fell onto the floor and this one really blew my mind!

This was the disclosure paperwork about the interest of this credit card my dead husband was approved to apply for.

30.49%

WTF???

No one but a moron would apply for this card! Jeez! I bitch about 16% or 18% on cards. But it gets better, the second package also had a disclosure, this one was, 

30.74%

Bear in mind, these two bits of mail arrived within 7 days of each other. Regrettably I didn’t happen to notice the disclosures from the other two “Pre-Approved to apply” mailings. 

What kind of dipshit would apply for a credit card with this interest rate? If you do the math, just a few thousand dollars of carried debt could screw you for years to come. You’d never get out from under it.

However, since reading and math are racist… I’m sure there will be a bunch of college kids applying for these cards. Then 5 years later, these dumbasses will be begging for the federal government to pay their debt off again. Just $5000 debt could run someone straight into the poorhouse. Something like 1500 dollars added to the debt per month??? 

How is it that a savings account pays, (the best I know of is Apple’s) pays 4.15% most others, you’re talking 0.04%. The discrepancy is mind boggling. The bank loans my money out, then charges 30% and only pays me 0.04% ? What a rip off! The bank is pocketing the difference and the bank executives are rolling in coke and hookers.

Again, I suppose that’s why the powers that be say math is racist. If you can do the math you can see the outright theft. If you can’t do the math, then you’re happily going to be owned and drowning in debt.

This is why I think people aren’t concerned about the national debt, or the insanity of our administration borrowing trillions. Eventually, our nation won’t be able to pay the interest, much less the principal. The young folks may not get how this works.

I didn’t, when I was young. I ended up in front of a bankruptcy judge because all those “You’re Pre-Approved” cards were just too sweet to pass up. I wasn’t looking at the interest rates and never planned on losing my job. Once I lost my job, I could pay for rent, utilities, or credit card debt. But there was now way to pay for all three. Oh and did you notice? I didn’t even include food in my list of necessities.

It was a very hard lesson and I learned it well. I watch my credit card interest and debt really closely. I’ve got one card that that worries me & I have a plan to kick it in the balls.

I’ve called out another of the credit card companies recently because they started applying the current interest rate, (sent up because of the Feds efforts to control inflation,) instead of charging the rate in effect when the debt was incurred. They fixed it, but it was one of those little tricks banks like to play.

The bank is hoping you won’t notice and they can make some extra bucks profit.  This particular card, hasn’t changed the agreement about how interest is charged on existing debt. I’m sure they will, and when they do, I’ll have to decide if I’m going to pay ‘em off and terminate the account or not.  That’s a bridge I’ll burn when I get to it.