Goals

I can complain all I want, but ultimately I still have responsibilities that need to be taken care of and met.

The plan moving from today forward is getting this fucking house. I don't know how, but I have decided that I am getting this house one way or another. Fuck everything else.

I am going to save up my money again... recuperate funds and then attack my student loans.

When my student debt is killed off then I need to recuperate funds all over again.

I already have some things I need to do to the house after I get it. Renovate some of the rooms inside, I need to replace the A/C and I have to have shutters installed. All of these things are going to help me reduce costs. Replacing the A/C lowers the electrical bill. Installing shutters lowers the wind insurance.

When all of that is finished I will just recuperate funds like a stingy fuck.

I have to decide if I am going to keep leasing a car or if I will buy one to stop that monthly bill too. I just don't like the idea of the car taking a shit on me when I least expect it or want to deal with it.

My wife is going to owe me over 10K when I am finished with this house business. This of course is going to be conditional, because if she buys stuff for the house I deduct it from her debts at a discount.

Ho Hum

Did my taxes last night. All finished and fuck you back IRS my wife claimed a fuckton of things as a business expense because fuck you that's why. We were getting raped without doing that and she did operate at a loss this year. We just made it a gratuitous loss to push down some of those bogus ass taxes we were being charged.

Fuck you IRS for penalizing me for not having children or a house. They fuck me and I will fuck then right back with whatever tax loop hole I can find because none of this is fair to begin with. I support people avoiding the payment of taxes as long as it is within legal limits. This piece of shit government of ours doesn't deserve our tax money they just piss it all away on war and lining their own pockets.

Democrats, Republicans, Libertarians, Independents - none of it fucking matters they all play the same stupid fucking games. They pretend to care and then after they are elected they just fuck everyone anyhow. Broken promises and no morals. We are going to be in perpetual debt and war until this chaos is stopped.

Meanwhile these fucking blood suckers take away our money to fund everything we didn't ask for.

OMFG I Hate the IRS

Sooooo if you want to get married I strongly suggest you think twice about the type of tax situation you are entering. The American Tax system is geared to only benefit the Christian nation. It is only beneficial to people who have homes and children. I am trying to fix one of those problems right now, but the other I am avoiding like the fucking plague.

If you file married but separately you have just opened a can of worms the size of your head. You now no longer qualify for certain deductions or credits because the IRS hates you and wants you to have children and house debts. If you file jointly then your taxes also go ape shit because the fucking tax code makes no goddamn sense. To top off this turd sandwich you may pay a penalty for doing certain things.

I fucked up and I filled out my W-4 as married and I took two deductions because the goddamn worksheet told me to. I have learned to not trust this fucking sheet and claim 0 exemptions always. If you are married there is a box that says "Married, but treat me as single" which will just pull more fucking taxes out of you. Fuck I hate this system.

How about we just have a fucking system where there is one tax to rule them all. You pay a flat tax on all of your AGI.  Adjusted Gross Income. I think that would solve everything. It would have to be bracketed, but for fuck's sake, all of these goddamn rules and complexities can go away!

More IRS Woes

It turns out that when you file for an extension, that extension is only for you to make claims and to to file your paperwork, but does not mean you can pay what you owe in taxes later. You are still expected to pay taxes now, when they are due and no later.

Next order of bullshit. If you claim yourself as married on your W-4 form you are taxed at a lower rate. However you will be expected to pay the remainder of what you owe later, which sucks. This happened to me, I have two exemptions on my form which has put my taxes into a tailspin. I fucking owe 2,700 dollars in taxes. I am very unhappy about this, but there isn't much I can do about it.

I am going to see if I can get away with paying a minimum of some kind to buy me more time.

I hate the IRS and how stupid our tax code is.

More Corporate Bullshit

So my wife may soon be a casualty of bad business. In other words she may be getting laid off. She works for a company that does X, I can't reveal what she really does because I don't want to give away easy ways to identify myself or her. For context I will say she works in the medical industry. Anyhow, her company has been fucking up real bad for a while now, they haven't been paying their vendors and as a result have been losing contracts due to the bad news circulating. The share holders of the company fired the CEO and CFO and had the CEO replaced with a well known CEO who is praised to be a "cleaner", he can turn the company's frown upside down apparently. Unfortunately my wife has been dealing with the horrors of watching bad management decisions being made over and over again because the people running the show are morally inept and corrupt individuals. The result of all of these careless decisions and poor greedy decisions has equated into mass lay offs and pay cuts. She lost 20% of her pay and other employees were let go. I think they have lost 50% of their work force. Now the investors want to sue the previous CEO for what he did to the company. Apparently, even after the Audit - he was still absconding the financials. Apparently the same week he was fired the entire financial department quit, they knew what was up and they high tailed and ran. This whole fucking situation is ugly.

I am just concerned about the financial stability of my wife. She is obviously looking for a job, but holy shit this whole situation is fucked.

I will say it again - FUCK these corporate pieces of shit. They live on a different planet than we do, they think it is okay to fuck the masses over just because they have so much fucking money. What is this world coming to? There are so many problems in this world and shit like this doesn't help. I am starting to think it will make more sense to just start killing these corrupt CEOs if there were a good methodology of making sure they are indeed the guilty party instead of them planting a fall guy. Much like Ken Starr from Enron - he's not dead - that piece of shit is in hiding. The whole thing is a fucking lie.

I hate how there is no accountability in our society anymore. We live in a corporatocracy, there is no democracy, there is no freedom, there is no liberty. However - what are we to do? We need to make ends meet, so we just duck our heads and avert our eyes from what is going on. We are like a bunch of cartoon ostriches sticking our heads in the sand. If we don't see it, it isn't  there - but the giant elephant is indeed in the room.

Our country is going to erupt into war soon.

There is a limit to this madness.

The people who are suffering so much because their standards of living have been lowered are going to mobilize at one point and I don't think the FBI or CIA will be able to stop it. Unfortunately the formula here is much like one provided in South Park: Revolt -> ? -> Happiness

Honesty is the key here. All of the problems we are having are due to lies and dishonesty. The Dick Chenneys and Ruthless White Collar Businessmen of the world need to be murdered.

I wish George Carlin was still alive.

This World Scares Me

I am afraid of our society and just how goddamn stupid it is. The level of unawareness and naivety is incredible and rampant. Our current society as it stands is doomed to collapse on its current course. Unfortunately I don't see a way out of this without violence. There is going to be a a lot of death and destruction until we reach an equilibrium. The fighting I refer to is not with other nations, I refer to in-fighting. We are going to have a civil war soon in order to move this fucking country along. There is going to be two main factions, the haves and the have-nots. Some of the haves will fight along with the have-nots and possibly vice versa.

This is a scary time in our history. People are just too goddamn blind to see it. I always knew there was a problem, I just didn't find the pattern yet until watching those films. Now I am going to do some research to make sure I am on the right path.

We are an enslaved nation that is brainwashed into thinking we are free when in reality we don't realize how unfree we actually are. We don't have rights, we have toleration. This just drives me right back to my original inference, there are no freedoms, people don't like hearing the truth and people don't say what they mean. Everything is shrouded in bullshit.

We are all going to hell in a flaming hand basket.

Scary Realities

I have been watching a documentary series called Zeitgeist and it is about 95% compelling. I feel that it is mostly accurate, but needs to be double checked for consistency and accuracy.

I agree with most of what has been portrayed in the documentary because a very good portion of it are things I have heard, seen or read before. I have come to many of the conclusions on my own before even watching the film. I believe in the 911 conspiracy, specifically that the government did this to us in order to get us into war just like they have in the past. I believe that religion is a load of bunk because it is all historically repeated across different noninteracting civilizations who happened to all come up with the same bad ideas because they just didn't know any better. I have heard on more than one occasion that the federal reserve, IMF and world bank are out to basically enslave the planet through loaning everyone money they cannot repay. Our economy is a giant lie since it is rigged to always have inflation in it. Supply and demand are not real, especially since they are not operating as intended. We are running out of resources for everyone and the government is run by our largest corporations.

Essentially our nation, the USA is going to head into disaster soon because of the way we are allowing greedy corporations to run our government and in effect the whole country. We are doomed for economic collapse.

I predict that the citizens of this country are going to band together at one point and kill its heads of state and revolt at these grotesque companies.

Worry

I want a house for one reason and one reason alone. I want a place to settle, I want to live in my house and expand my projects, I want to pay it off completely and live rent free. I want this horrible sale to settle, I am tired of the hassle and I am tired of the greed. This whole experience has been pretty fucking terrible.

Unfortunately this whole experience got a lot worse too, I am currently engaging in some activity that I don't care for. The whole thing is unnecessary and shitty. The sellers are greedy and I am taking a huge risk with this one, bigger than last time. I really hope this second appraisal actually just fucking appraises finally. I am tired of negotiations, I don't want to hear from these people ever again.

I am trying to think of the future and I am trying to be positive. It sure is hard though after getting screwed so many times. Anyhow, I am looking to not move ever again, I am more worried about my retirement than anything else. Kids are an afterthought for me at this point. I don't think I want any, I want my goddamn free time and money.

Wells Fargo Fail

Wells Fargo has failed me as a lender, I will not be doing business with them again. Fuck Wells Fargo. They chose to use a shady appraiser and upon demanding a review the appraiser stuck to his guns and said that his appraisal is accurate.

Now my Realtor says that he anticipated this and has me setup with another broker all over again. I am going through underwriting AGAIN! I don't want to do this a second time, I hate this process and I don't feel that it is fair. So the only good news is that the seller has dropped the sales price to 180K which is far more reasonable than 195K and this new broker/lender I am dealing with, which will remain nameless, can get me a fucking conventional loan with a 3.5% down payment. So fuck you Wells Fargo and your goddamn 20% down bullshit which just forces me over to FHA.

I fucking hate this bullshit process and I have a new hatred for appraisers. They have a special place in my colon. Fuck you bastards for playing god with peoples' homeowners fate. I hate this shit. I just want it to be over with already and I don't want to deal with this ever again.

Kisses from the IRS

So apparently the IRS hates you if you get married. If you get married you can usually choose to file jointly, but if you decide to file separately then you forfeit any student loan interest and other things of that nature on your taxes. Therefore it is recommended to file jointly.

New problem. When you got married you probably filled out your W-4 form incorrectly or you never changed it. Single people normally have 2 exemptions on their form. If you are married you can have 2 but it is recommended to have zero to one. Let me be clear, I recommend that you have zero. In fact I am screwed this year because I claimed 2 and this was a mistake. I should have claimed 1 or 0. I want to claim 0, but then these bastards will take out more taxes than they already do from my paycheck. That isn't cool because I already pay too much.

I hate our tax system it is beyond stupid and overly complicated for poor reasons. Fuck you IRS.

Now I have to go to a tax accountant because I used Turbo Tax and it tells me that my wife and I owe about 8K which is a load of shit. I do not owe 8K that is bullshit, the government has taxed me to hell already and I refuse to pay more. So we are filing for an extension because we are still trying to get this house. I can't alter anything right now because it will screw with my credit or something.

The Vegan Religion

I keep watching vegan documentaries to get a better understanding of what it is that these vegans want everyone to do and frankly I have to say that vegans are a bunch of whiney vaginas. They need to stick a tampon in that bleeding heart of theirs because I feel as if their views on eating animals is offensive, presumptuous, pious, preachy and rude. These people take the argument of not eating meat beyond the scope of health and into the emotional realm. I think that is just creepy.

I have many friends who are vegan or vegetarian, my own mother is vegetarian, but none of them do it because they want to see a snot nosed calf keep its life. They all do it for monetary or health reasons. Meat is expensive, especially kosher meat and poultry which is 2 to 10 times the normal price with absolutely half the taste, and enough salt to end a British reign over India. Therefore fuck Vegans, I don't need to hear some asshole with multicolored hair telling me how tofu is better for me. Soybeans and Tofu are not that healthy for you and any real source of protein cannot be packed full of carbohydrates like beans. You cannot supplement your diet completely on plant proteins especially the overly processed kinds like tofu.

I have thyroid disease, I cannot have Tofu or Soybeans because of the estrogen levels. It is not good for people with Thyroid disease end of story. On top of that speaking from experience, I was vegetarian for a long time, about 6 years solid. I did it for monetary reasons only, because like I said before Kosher food is madly expensive. I felt very weak and hungry ALL off the time. I don't feel that this diet is good for everyone.

Fuck animals. I don't give a shit about how these animals are harvested, regardless of how they are treated they are going to die anyhow and become tasty meat morsels on my plate. Yes I have watched Food Inc. And many other documentaries describing the animals horrible torturous conditions, I don't care and I feel that EVERYONE should be forced to view how their food is prepared. Stop being so goddamn ignorant to the point where when you finally do see how your meet is harvested that you are disgusted. Stop insulting the lively hoods of those people who do this for a living. They are not bad people and butchering is an art form.

Don't be a vegan for any other reason than the fact that you want to live a healthier life. If you don't want to be a vegan, then stop eating so much meat, it is bad for you. Red meat is bad for you in mass quantity. Limit its consumption to once a week and only to the size of a deck of cards. The problem with Americans is they have no idea how to eat properly. Having both extremes is no good. Finding a baseline is appropriate.

So yes, fuck the vegan religion. No one cares so shut up. You and PeTA can go fuck in the corner.

Puppy Mills and Purebreds

Fuck people who get and support the puppy mill industry. This is a very stupid and selfish industry. The patrons are equally as selfish and stupid. Selfish because they won't give an animal in a shelter a goddamn chance, they want that purebred. They are stupid because they are spending a fortune on these animals and giving these industries the fuel they need for their fire to continue producing more and more purebreds. Frankly I don't give two white about producing purebreds because I don't think it is helping anyone I. The long run, it is simply encouraging selfishness and killing other animals in the process.

I don't give a shit if it is a guilty pleasure, I think people should be chastised for not saving an already living breathing suffering animal from a shelter where they could end up being destroyed. Honestly now what is the major difference between a purebred and an animal found in a shelter? Aside from the obvious physical differences, my point is they are just as good as any other. Therefore they should be given a chance before some asswipe decides to bring a new animal into this world just to sell them. This is a bad industry and should be stopped.

I am not a tree hugger, I don't give two shits about live stock, but I care about people making the right decision when it comes to getting a new pet. Don't purchase new pets, buy pets that don't have a home!

People are so irresponsible and especially when those people have never had to worry about where their next meal has had to come from, they are so casual about getting things they want and think they deserve it is disgusting. I hate that shit so much. I hate arguing with them about this shit too when they are obviously wrong and just want fulfill a selfish want. If they were at least honest with themselves then maybe it wouldn't be so annoying.

The IRS

I don't usually have a problem with the IRS or paying taxes. However I do have a VERY big problem with having to pay more taxes at the end of the year even after a shit ton of taxes has already been pulled from my paycheck. Not cool. My reasoning is simple, how the FUCK do I still owe taxes if I have already had taxes removed from my income?

I am talking about a very very simple filing too, nothing complicated. I have a W-2 form, I enter that shit into Turbo Tax and somehow I still owe taxes? That doesn't sound fair to me. The IRS has got to be fucking crazy. I am NOT rich, I make far below 6 figures and I have a fuck ton of taxes removed from my paycheck already. Once again, if they already took taxes out of my paycheck, then how do I fucking owe more taxes?

To complicate things a little more, I had to file jointly with my wife, because if you don't then you cannot claim student loan interest on your taxes among other things. I have already filled out my side of things which is two W-2 forms and a few pieces of investment information. I did the same thing for her and now we owe 3,000 dollars? I have no fucking clue how Turbo Tax estimated that or why.

I am really pissed off about it though and I might have to go to a tax accountant because of it too. I refuse to owe more taxes after having a shit ton of taxes already levied from my paycheck.

This is bullshit.

Chaotic State

Our government is failing us again. I can't believe this sequestration bullshit. I mean it is a great safety, but what the fuck guys. I wrote my congress woman and I wrote my senator. Neither of them replied to my concerns. I am going to start harassing their offices with phone calls soon. I want accountability from our elected officials who I will treat like employees since we elect them and therefore they work for us.

I simply asked my congressmen to put in place legislation that will punish them automatically for dropping the ball on very important deadlines. This bullshit infighting between the parties is no longer acceptable when it directly affects the masses due to their inability to lead. I hate our government and I have no faith in them doing the right thing ever.

As usual it seems like the only solution here is to have all of these bastards removed by force or by death in order to make any of this crap work.

I saw Zeitgeist the movie and I have to agree 100% with everything in that film. I totally agree and believe in the 911 conspiracy because there is too much proof of what actually happened out on the open internet in the form of news and video. People are blind as to what is happening as usual because they are happy watching their fucking honey boo boo bullshit on TV.

The masses are indeed asses.

Crossroads

I am at a new crossroad again, I am trying to close on a house. I may have a new job opportunity waiting for me at my old job place again. I am gearing up finally after years of waiting to pay off at least half of my student debt. I estimate that by the time all of the dust has settled in terms of jumping or moving around with all of these madly expensive things I will have enough to pay off a single students loan entirely.

It is exciting to think about, I won't be a slave anymore to one less debtor. I want to kill off my student debt by 2015 maximum. I don't want to think about it anymore after that. What worries me is the prospect of children. I don't want those potential new debts interfering with my existing old debts. It worries me.

The pattern I have had as of late is I store up enough savings then I lose half of it. I gain it all back plus half then lose half of it all again. This keeps happening in short spurts of time which is not cool. I want stability.

Vindication

So as I have foretold long ago the idiot boss I had at my last job has finally been fired. My boss's boss got mad and basically laid down the law and said that this guy has got to go. I have only been saying that for the last 4 fucking years. Finally these guys see it my way. I was right! Fucking a, as usual people don't want to hear the truth. I understand that it is never fun or nice to see people get fired, but fucking hell in this case the asshole hung himself. He was a fucking egotistical asshole because he was never wrong, everyone else was wrong and this fucking moron tried forcing his stupid philosophy on everyone else.

I hate that piece of shit so much. I am so happy he lost his job. Elated. Satisfied. Vindicated.

Now the next question is do I go back? Not sure yet.

House Buying and Patients

I don't have any patients for this house buying process, it is a fucking pain in the goddamn ass. I feel like I am trying to accomplish the impossible. These banks don't want to help anyone, they just try to trip you up as much as possible to see if you will give up early during you conquest.

Then there is the sellers... The sellers are greedy. They almost always are. In my case I am not greedy, I usually sell things to get them off my fucking back so I don't have to think about them. I don't sell at a loss unless it is an item that has depreciated in value which is about 99% of the items we buy already. Cars, books, games etc... They all depreciate. You paid for it so you could use it, as soon as you are finished with it or don't required its service anymore just fucking get rid of it. If you make some money great, if not who cares. I am happy if I get anything back usually.

I understand house appreciate and depreciate, but for fuck's sake. It is all artificial, it is all a lie. People are buying and selling fake-ness, these houses only have one value, physical value, the cost of development and that is it. I don't think houses should raise or fall in value ever. I think they should have one value and stay there. Houses are being treated like a stock in the stock market. It is a dangerous venture.

Buy a house to live in, don't buy it as an investment play thing.