The Year is almost over. 2009 is almost here. I cant wait to get 2009 started. Only seems like one thing went right in 2009 and that was me finally getting the Temporary Job with the City & County of San francisco. I still dont know if I'm going to become permanent so i'll just have to keep my fingers crossed hope for the best.

I thought I had found the house most close to being perfect but I found out it needs 13K in repairs before I can purchase it. I dont know if we are going to go forward in trying to purchase the property. I'll post some pictures soon.

I want a fucking Pull up bar. I need to start working out. I want to start running but i dont have the time to do it.

Oh Yea....................... I got my Court Case Dismissed.

I'm tired of motherfuckers trying to tell me what I need and don't need, telling me what's good for me and what aint. Fall the fuck back and let me do me. Either support the cause or shut the fuck up. I don't give a fuck about your opinion about it. Don't tell me what I will have time for and won't have time for.

Once-Ignored Consumer Debts Are Focus of Booming Industry

One interesting article:

http://www.democraticunderground.com/discu...dress=103x81285


Once-Ignored Consumer Debts Are Focus of Booming Industry

Asset Acceptance, a New Type Of Collector, Hits Paydirt Suing for Modest Sums

Some Fight Back -- and Win

By SUEIN HWANG
Staff Reporter of THE WALL STREET JOURNAL
October 25, 2004; Page A1


In 1996, when Heather Scott's marriage split up, she defaulted on $3,000 she owed on her Discover credit card. "It was either that or feed my kids," the Phoenix woman says. Until recently, she probably could have walked away from her credit-card debt with little more than a damaged credit report. But an increasingly aggressive debt-collection industry is going after people, like Ms. Scott, who used to fly below the radar. For six years, she heard nothing about her Discover debt. Then, in 2002, she was sued in small-claims court in Phoenix. A company called Asset Acceptance Capital Corp. had bought her Discover debt and wanted to collect. The 35-year-old single mother of two, who says she couldn't afford a lawyer, didn't show up in court. Asset won a default judgment of about $9,500, including more than $2,000 for the company's legal fees. For the past year, the company has been taking about $100 out of the $625 paycheck she receives every two weeks as an administrative worker for the state of Arizona.



But there is more to the story. According to some lawyers and advocates for consumers, Asset uses the relaxed rules of small-claims and municipal courts to file suits that contain little documentation of the debts it seeks to collect. These courts typically allow for quick judgments when legally unsophisticated defendants fail to contest the suits, the critics say. Once it obtains judgments, Asset can use the full weight of the legal system to enforce its victories, primarily by seizing assets or garnishing wages. When individuals fight back against the company in court, consumer lawyers and advocates say, Asset often drops its suits, not wishing to engage in expensive legal skirmishing. The upshot is that poorer and less sophisticated debtors are more likely to face a judgment for Asset, these lawyers and advocates say.



What Asset has discovered -- and what other debt collectors are realizing -- is the power of small-claims and municipal courts. Set up to help individuals quickly settle minor disputes, these courts generally offer cheaper filing fees and often require plaintiffs to gather less evidence to get suits started. These courts also sometimes impose less onerous requirements for giving defendants notice that they are being sued. And judges overseeing small claims typically plow through dozens of cases a day -- far more than conventional judges -- making it more likely that a plaintiff will walk away with a quick default judgment.


While Asset appears to be following the letter of the law, its practices concern some legal experts, who say small-claims court was never intended for this kind of litigation. "The consequences of small-claims court is the same as any other court, and now has the full panoply of remedies to collect," says Richard Alderman, director of the Center of Consumer Law at the University of Houston Law Center. Because conventional courts typically have more safeguards for defendants, he adds, debt-collecting companies should be forced to file their suits there, "before we start garnishing wages, taking away property, and doing things on a wholesale manufactured basis."



Some former debtors and lawyers who have skirmished with Asset say Ms. Scott may not have had to pay the company anything if she had gone to court and contested its claims... if a debtor can plausibly argue in court that the amount Asset is seeking may be incorrect, a judge may dismiss the case for lack of evidence, some consumer attorneys say. "They usually don't have the documentation," says Glen Chulsky, an attorney in Dover, N.J., who now represents individuals but previously did work for debt-collection firms.


Write to Suein Hwang at suein.hwang@wsj.com


URL for this article:
http://online.wsj.com/article/0,,SB109865776922954118,0...

Keeping Up The Bad Work

The year is almost over. It went pretty fast. Can't say this year went the way I thought it would. I thought I would have save a little more money then I did.

Well I started my City job on the 20th of last month. It has been interesting to say the least. Its a little hard then I thought it would be but I'm going to do the best I can and hope for the best.

I'm trying figure out what I'm doing wrong with my life. Personally I think all my problems are financial. If I could just figure out how to save a dollar or two I would be ok. I could probably take my financial situation better if I had something to show for it.

Maybe 2009 will be better.

I have to go to court on the 19 of December. I could possible be out 8 thousand dollars on this case. I'm supposed to getting a lawyer this week. Lets see how that's goes. The lawyer wants $2,500 just to take the case.

Its just one thing after another.

They Check in But they dont Check out!

Nothing ever leaves my Apartment. Toys, Paper, Bags, Clothes. We never throw anything away. I'm complaining but I need to start by throwing away my stuff first and this weekend I will start that.

Boy Accidentally Kills Himself With Uzi

The boy lost control of the weapon while firing it Sunday at the Machine Gun Shoot and Firearms Expo at the Westfield Sportsman's Club, Police Lt. Lawrence Valliere said.



http://www.cnn.com/2008/US/10/27/boy.shoots.himself.ap/index.html?iref=newssearch

Happy Birthday To Me

I'm so tired of being poor. I have been depressed for the last week. I haven't felt like this since 2002. I thought I had this thing beat, guess I was wrong. I don't like feeling like this. I hate feeling out of control.

My wife took me out to see Bill Burr this weekend at the Punchline Comedy club in San francisco. He was hella funny, we laughed the whole time. We caught the 10PM show and I forgot my jacket so I was freezing standing outside waiting for our show to start. I watch a lot of stand up comedy on TV but its much better in person. If you get a chance to see Bill Burr live you should check him out. This was my 4th comedy show I have gone too. I've seen Tony Rock(Chris Rock's brother), he was pretty funny. Mike Epps SUCKED! I think he might have been completely drunk and just winged the show by saying the funny parts from the movies he has been in. Ricky Smiley, I've seen him Twice and he was funny both times. There are still a few people I would like to see live like Patrice O'neal, Paton Oswald, Brian Posian and Jim Norton.

I wish I had the space to get my T-shirt business going. I want to make my own shirts so I need space.

Breath

Hello young world.

I just wrote this long blog about this car I used to own and what I was doing with my life when I owned it. With the click of one button I deleted it all. Maybe one day I will write it again but not right now.

I couldn't find any stores that sold plain Polo shirts in my size. By plain I mean no logos and basic colors. I'm about 6feet tall and weigh about 245 pounds. I need at least a 3xl shirt. I can't do the hipster little shirts. I went to Casual Men XL. Its a big and tall men's store. Finding pants isn't a problem. Now I gotta get a couple more slacks and a few button up shirts for this City job that's coming up.

Look like this house thing is gonna be postponed a few months while my father clears up some fraud on his Credit report. He does have a 750 Credit score even with the fraud on his report. I'm to scared to even see my score. I know its lowwwwwwwwwww, prolly a low 500 score. That's what's stopping me from having my Harley. Can't get a loan with a score that low. I just 13K and I could be Ground Pounding. Can't find a Co-signer for my loan. One day ima make this happen.

I got to many wants and not enough money.

WHO WOULDA GUESSED???????????????

I would have never guessed just trying to find a house would be so stressful. I haven't even looked at that many and its already filling my mind up. Every house that I have kinda liked has had multiple offers on it. Honestly I can't really do much until my parents loan papers have been approved and a loan amount and terms are final. Yes my parents are putting the loan in there name, I have terrible Credit. As far as I'm concerned a house is a house.

I have still been procrastinating quite a bit this year. Not as bad as last year but still enough for me to notice.

My Harley dream is still only a dream and if I get this house it will be a even smaller dream. YAY for me.

I don't think I have ever spoke about the this job I have been waiting to start. Its a job for San Francisco City & County. It's only for 6 months but if everything goes according to plan it will become permanent. I have been waiting months to start this job. I'm talking a good 3 months at least. They say 'Good Things Come To Those That Wait' well I been patiently waiting.

I think I want a IPHONE. Unless Tmobile come with a great phone within the next 4-5 months I'm jumping ship! Maybe after Tmobile get 3G here in the Bay Area I'll see about Hacking a IPHONE to use on Tmobile service because I don't really wanna give up my 'My Fav 5' plan, unless I can get a unlimited minutes plan for under $100.

I'm gonna add my sons Soccer pictures this week.

Turns out some people don't want me to have a motorcycle. My Mother and Mother In-law are completely againt me having a motorcycle and it turns out my Sister In-law doent want me to have one either. I don't know what all the hate is about, these are the same people that don't seem to have a problem with me driving that Commercial Truck up and down the highway 6 days a week. Just because your scared of something doesn't mean I should be. I not gonna let fear control me.

I been working HARD! 10 hour days and my son has Started Soccer practice 2 times a week which is not helping. I wish it felt like all this work was paying off in some way I could see. I guess its building character but I wish it was builiding my harley fund. I really thought I would be ready to get one by now but im no closer to getting one then the day I decided I would have one by now. Did that make any sense? I just haven't been able to save any money. They seems to be the recurring theme of this blog.

We decided that my wife's sister will be staying for good now. Hopefully this turns out well. We are now looking for a 3 bedroom place to live since she can't sleep on the couch forever.

Its 4:15pm and I have been at work since 6:45am. Im not getting off for at least another Hour and I'll be right back here in the morning. YAY for me!

I rented 'Reservoir Dogs' last night. I have never seen this movie which I have heard is a classic on several occasions. I'll have a review in a couple days.

Well I'll be

I missed my test! I left with more then enough time to make it there on time but traffic stopped me from making it. A 30minute trip took over a hour. the line was wrapped around the building like they was giving away tickets to a Jackson 5 reunion concert. I now think that im just not meant to be a Stationary Engineer. That's cool though, somethings just aint meant to be.

I found a spot to buy clothes from locally. Now I won't have to pay tax and shipping for shit I liked. I walked in on Saturday and found a shirt in 5 minutes I was just about to order the night before. I copped a nice LRG shirt that I will post up tomorrow.

I cant think of a decent title

AAARRRRRRHHHHHHHHHHH!

Well it finally cooled down around these parts. Nothing worse then working outside when its at least 90 degrees ouside but but but wait it gets worse, not having A/C at home and its feels like a million degrees in your house but theres a cool breeze going on outside. Why won't the hot air just leave my apartment. Who wants to be sweating while there sleep?

I've been working a lot more lately but I still can't save a damn dime. I finally hit my boss up for a raise, Im waiting on his reply. I've been working for this company for a year and three month's I think Im about due. I make $18 a hour now and Im trying to get up to $20 a hour. I took the plumbers test last month but I didn't past. I needed a 70% to pass but I only got a 62%. Im taking the Stationary Engineers test today at 1pm. I hope I pass this one. Im also applying to be a meter reader this month and a bus driver even though I don't want to drive any more.

Oh yea, my wife lost her job about 2 weeks ago. Isn't life GRAND? I can't get a break for anything!

I came here to write about this FIRE ass Killer Mike tape that just came out and how much I like it but I got some new shit going on.

My 13year old sister in-law moved in last night. I know wow, I said the same thing. She is a good kid for the most part so her being here is no problem. The way she came to be staying with us is a problem. Its a long drawn out story so I'll spare you the details and just say my Father in-law choose his new wife of 2 years over his 13 year old daughter. I personally would be completely done with either of my parents if the choose some person over my younger sister or brother. That's some BULLSHIT! So she will be here till at least the end of the summer so she can finish summer school.

Am I Back?

Hey! I was able to log in from my phone for the first time in about a month. Not much has been going on but working hard and trying to save a Dime or 2. Im not going to go into any details about the last month that has gone so wrong. Im still on my mission to get a harley but its not going as well as I would like. My father is trying to help me buy a home. We haven't been able to pick the right one yet. Trying to find a house in the Bay Area for under 160K is HARD hell its almost impossible but Im not giving up yet.

I haven't been able to log in from my phone so I haven't been able to update .

things i need to buy this friday(payday)

Things i need/want to buy this payday

New head phones for my ipod.

Screen protecter for my phone.

New Socks

Hangers

Fresno Run

I went to Fresno the First Weekend of May for the Half Way Run. I had hella Fun. Here are 3 short videos I recorded.

I PISS EXCELLENCE

Im going to be a uncle/godfather

my best friend/brother called me yesterday and told me that he and his girlfriend that happens to be my wifes first cousin is pregnant. I'm very happy for them.


This isnt my Motorcycle but its pretty much how I want mine to look when I finally get mine!

Its been a month since I updated this. I've been meaning to but just never got around to it. Nothing to exciting has happened but then again nothing ever does. Work has been shitty like always. I've come to realization that I'm going to have to do real work and prolly for less then i make now. I'm only making $18 a hour now which is not bad but its far from great. i can only take so much of a pay cut. I'm hoping for only a dollar or two. I'm not trying to go back to $14 or something like that. luckily my wife works so i have two incomes but still! I just need a regular shift, same hours everyday of the week, five days a week. That would be perfect right now. I'm about to start applying for jobs i don't even want.

im going to put something here tomorrow

Road Blocks

what's really good people? Everything is everything round this way, I can't complain. I'm still on the job hunt trying to better my spot in life. I haven't found anything that pays what I'm already making hourly. everything I'm coming across is less pay for a lot more work. That don't seem like a fair trade off from what I'm doing now which is good pay for little actual work. Guess I'll keep looking till I find something in the middle. Lately I been averaging about 20hours a week and that ain't cutting it. When I first started I was getting 60hours in one week and then the rain came and then my work truck broke down and I been sharing a truck since about the beginning of February. Sharing a truck cuts the hours also. Its just been one thing after another lately. All this lack of work is killing all my plans I had for this year and we only 3 months in.

I thought I would have moved to a new place by now but NOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO!

I thought have at least touched my credit report but NOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO!

I thought I would have some money in my saving but NOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO !

Don't even get me started on the Harley. I don't know when or if that's ever going to happen. Well I shouldn't make it seem like its never gonna happen but I can't see when its going to happen.

Seems like I just keep running into road blocks at every turn. My mother would say its cause I don't go to church and I need to pray more. Maybe says right. I can't remember the last time I went to church. I'm going to try to go next week, she would love to see me at church.

Via Las Vegas

Man, I ain't updated my blog in like a month. I been meaning to but I just ain't did it. Its not that I been busy or nothing. I went to Vegas a couple of weeks ago with the wife and my parents. It was a Great time except for all the walking. I'm not a walker at all.

Ain't much been going on with my lately. I been working a little bit but I'm still ready to get out of there. I hope to get a call from the place I took the drive test for a week or so ago. I have to call them back on Thursday this week.

I left like I had alot to say to when I sat down to type but I cant put it in words but I will tell you this....................... Check out Yahoo! Live if you haven't yet. Its basically yahoo chat wit Webcams. I Have seen some funny shit over the last week on there.

Drive Test!

Ok. I just got back from taking my driving test for the company I interviewed with last week. I didn't drive as well as I hoped it would at the time. I haven't driven a tractor and trailer in about a year and even then I haven't really had that much practice. The guy that I was driving around said I did ok but I think I could have done better. Now I'll just sit and wait for some type of word from the company. Luckily the sun has been out and there has been some concrete work to be done.

Went to lunch at IHOP with my cousin who we call Mac. Ihop is one of the few places that make a decent Country Fried Steak with out waiting a long line or paying out the nose for it. Country Fried Steak and French Toast owns me.

I need a hair cut badly but I been in the mood to get one. I'm not one of those guys that have an appointment to get there hair cut weekly. I don't think I have ever had my hair cut 2 weeks in a row. I normally get a cut once a month or 2 months. I'm just not really in to hair cuts. I need to figure out a way to get hair cuts on a regular basis

Lets try Something different

I dont normally do this from my Desktop computer. As much as I sit at this computer I hate typing on it. I just Surf on it doing as little typing as possible.

I just came back from a interview at All American Rentals in Newark, Ca. I think it went pretty good. I need to go back to do a driving test and a few other things before we get to the Drug test and offer for the job but I think the guy wants to hire me. He said the pay is going to be better then what I make now and the hours will be better.


This right here, This Shit right here. This Shit right here nigga! If you not listening to The Clipse by now I dont even know what to say for you.

"Ignore the lies that they tell-
Under my cuticles, proof of pies that I sell/
Guess life in jail's but a manacure away-
WELL I DON'T FEEL LIKE GETTING MY NAILS DONE TODAY, YUUUUCCKKKKK"

I mean that was just in the Intro! The Intro nigga!

20K Brothers on the Corner
http://www.zshare.net/audio/6794531a26336e/

Can I Live?

I'm Just Saying!

Hellooooooooooooooooooooooooooooooooooo!

Is anyone out there? LOL.

Anyway. This rain has been kicking my ass. I can't wait for the sun to come out and that money get to flowing. I still ain't got around to asking for that raise I been thinking about. I ain't even been getting enough hours for it to matter. I'm about to take a pay cut just to go to another job where I don't have to worry about the weather. I did a job in the rain last week and it SUCKED. Standing in the rain just getting soaked for over a hour. I could do with out that. I don't mind working when its raining but just standing in one place getting rained on is not the business. I need to charge my camera so I can take pictures at work one day before I don't work there anymore. Its a shame cause I like that little job.

Used To Be

I've been married for a year and a half, I'm just as surprised as everyone else. I always knew I would be married one day. A lot of people say I'm not the same person I used to be and I must agree that I'm not. I used to be in these streets boy doing it live daily. All the homies miss that about me and I know I still have it in me but once you become a family man it becomes a lot to maintain. I got schedules and appointments to keep. Being a father and husband is hard work. Its only 24 hours in a day. I do miss my old life a little and since I ain't figured out a way to balance both like I want to I'll just stick with the one I got now. I'm to damn old to be playing in these streets anyway, these young thundercats ain't got shit to lose.

I'm back to work tomorrow after being off for a couple weeks. I don't like work but I'm happy to go back and get this money. I need to start reading this commercial truck drivers book I picked up around Christmas that I haven't looked at since I got it. I've had my CDL(commercial drivers license) almost 2 years now. I need to get the rest of my endorsements so I can find a better job. I think I want to drive a propane truck but who knows. Long as its 5 days a week and 12 months a year I'm wit it at this point. When I take my test for my endorsements I will have to take my test for my Class C and class A License, possibly my Class M(Motorcycle). That means I might have to take about 6-7 test in one day at the DMV.

Wages

I been looking for driving jobs on careerbuilder and craigslist. I don't understand why these damn jobs don't want to put the fucking wages. I mean I understand why they don't but FUCK! I went on a job interview a couple weeks ago and the fucking guy knew how much I was already making at my current job and still offered like a 3-4 dollar pay decrease and was dead serious with it. Now if I knew the pay was less then I was willing to take I would have never applied.

Its raining like crazy outside and the wind is howling! So im not working because of the rain. NOT GOOD!


Well its finally 2008, Im not sure what that is going to mean in the long run. I don't think a lot is going to change. Im going to go out my way to not procrastinate(I think I spelled that right). Hopefully that will be more then enough to change how things have been going in my life so far.

I need to clean my apartment. its a mess. I have stuff every where. I need some kind of order in this place. I need a good vacuum, mine just broke.