Broke..but not desperate!

So I checked my mail this morning, the mail was from yesterday. There was one letter in my box. It was from a company called Brookwood Loans, and its funny, I've seen a letter like this before.

Of course, at first I'm thinking this letter is simply a phishing expedition by mail (the letter refers me to a website). Before I visit questionable website, I usually google search it. Here is what I found on the search results page, sounds like it was just about what I expected. This person is absolutely correct about the decimal points. The loan they are offering is 96% apr for the year. 96 PERCENT!!

Like I said, broke, but not desperate. I can't imagine the pressure to apply for this offer if you are in more desperate financial straits. I've contemplated getting a loan before, to pay off some of my debt. The paradox is that my credit is not good enough to get a loan to pay off my debt (so my credit can get better). WOW...I still can't get over it, 96%. Its really hard to believe that loans like that are legal. This is in a similar line with banks fees that they charge for overdrawing a checking account. Imagine that you overdraw your account by $10 (sure its more sometimes, and less other times, but 10 bucks seems like a good average number), and you are charged the $27 my bank would charge, that seems like its about a 270% fee for 'loaning' you the extra $10 dollars (now change that $10 to $1, 2700%). I think most of us might be better off just having that charge denied, know what I mean?

When I said that I had seen a letter like this before, I got one in the mail in Beaverton, but it was for more money, up to $5000. I actually tossed that one without reading it much, but I do wonder what the percentage rate was on it.

Well, enough about the vultures taking money from people who already don't have enough...

I've had a rough couple of days at work, more due to my inability to deal with my direct supervisor (I hesitate to call her that, as she is much more like a floor lead than a manager). She's the type of person who is never wrong, always assumes that you are doing something incorrectly, doesn't understand that her opinion is only that (and that other people's could possibly be correct), only grudgingly lets you make autonomous decisions (I can virtually guarantee you will have done it wrong when you're finished), and tends to see everything in black and white.

Well, normally I can just blow her attitude and behavior off, but these last two days have been difficult. Keep in mind that I don't get rattled much, but I've been pretty close to popping off at her...better for me to just keep quiet. It really isn't worth it to let my emotions get the best of me. To tell you the truth, she really means well.

I'm beginning a month of no coffee and very little beer in order to save money up for the Hopscotch Brewfest and Scotch Tasting in Seattle. Also likely going back down to SFO for Cassie's 1st birthday around Memorial Day, we'll see how this goes....lol

Ahhh well....its almost HUMP day!

Well, its off to beddie-bye, I need to try to get to work early tomorrow.