Saturday, April 23, 2016

Still Looking for a New Job

I haven't heard anything from McDonald's about the graveyard shift job. I guess I didn't get it.
I was also turned down for an IT job at the local college.
I really wanted that job but I guess I didn't have the education for it. They required degrees; unlike California where they are only concerned about whether you can do the job.
I applied for two jobs so far today.
The first was at the Co-op. They have a lot of job openings; including accounting (which I did at the Peace Center).
The second was at Java Johns. I don't know anything about being a barista but I could learn. It's only for weekends and it's part time. I would take it over the telemarketing job since there is a future in it.
On a different topic, Silver is going through the roof. It went from around $15/ounce to over $17 in less than two weeks. At one time it was over $17.60. Right now it's just shy of $17.
I think it's moving so much because it was made easier to buy it in China. The Shanghai exchange now accepts Yuan as well as the dollar. More Chinese people can buy it, now.
I expect it to keep moving and my options will explode in value.
Bitcoins are also moving up; and I bought Ethereum. Ethereum had a better rate of transactions. Bitcoins were only able to process 7 transactions a second.
Well Bitcoin improved their rate and then it went up in value; then Ehereum went down. I'm out about $10.
I'm paying over $600 to get my parking brake fixed. Since I owe so much for the car, I'm paying to have it fixed. If it was an old beater I would just take the bulb out of the dashboard and forget about it. I might have to sell the car in a year or so, so I had it fixed. I feel like a fool for caring about it. I probably paid more than the car was worth. It really fouls me up when it comes to getting my finances in order. Cars are just too expensive. I would be better off just riding a bicycle.

Saturday, April 16, 2016

Three Jobs in Three Months?

I had an interview for a custodial job at McDonald's yesterday. I hope I get it; I really don't like telemarketing. 
I would be working in the middle of the night but that's alright by me since I could watch the markets in the daytime. 
If I get the job, it will be my third one in under three months. 
I might not get as many hours in but it pays better per hour and I won't have to travel an hour and a half a day to get to work. In fact I could ride my bicycle to work. I could stay in Decorah.
I don't look forward to moving since all of my friends and favorite coffee shops are here. 
I'm getting turned down when I apply for credit card credit limit raises and loans. I'm going to close down most of my bank accounts and credit card accounts if they don't give me loans at low interest rates. I don't see any reason to fool around with those people. If I can't get more money out of them I'll just close my accounts. 
My van is giving me troubles. The brake light came on. The broken emergency brake cable is the problem. It's going to cost over $350 to fix it. That is more than a week's pay. It turned out that there is a cheap way to fix it that includes patching up the cable. I should have asked around before committing to fixing it at a car dealership. Well at least it will be done right, and it should last the life of the car. 
I'm buying a lot of silver on Ebay as well as Amagi Metals. I still can't get enough to make me feel at all secure during the currency collapse. I need to either sell something for some real money or keep working at a job that pays well. I need a lot of money for prepping (such as buying dehydrated food) and stocking up on precious metals. 
It looks like the collapse is coming quicker than I thought it would. I'm seeing things on the Internet that makes me thing we are in the middle of the collapse right now. 
Maybe it will blow over like the Ebola scare. I hope it does. I need a couple of years to get prepared at all. Poverty makes it impossible to really get ready for the inevitable collapse. 
Oh well,

Saturday, April 9, 2016

I got out from under my worst loan

To get back from California, I borrowed almost $4000 at around 100% interest. That loan was killing me.
I got it paid off by borrowing against my van. I now owe over $5,000 on the van but it's at 12% so I'm saving over $200/month.
I was able to use my new job as more income against my loan; that made it possible to get the loan.
I feel much better, now. I was worried about what I would do if my income went down and I didn't have the money to pay the loans and credit cards.
The next step is to pay off credit cards and maybe get loans to do that at a lower interest rate. I'm hoping for something around 11% which would be better than the 20+% that I've been paying.
I think I'll just pay off my First Premier card. It has a bad reputation for extra charges.
The next thing I'll do is to pay off my credit cards with low interest loans. In the next 6 months or so I should be in a lot better shape, financially.