Extreme Pain, I Need to call the Doctor

Thursday, I woke up with an extreme stiff neck. However, it finally subsided and although the pain in my neck was still greater then my daily neck/back pain (for as long as I can remember), had been in the past. Then this morning, I woke up around 5 am with extreme neck pain again. So bad, I wasn't sure if I was going to be able to get out of bed.

I know, I know, the neck aren't my legs, but to roll over onto my side, so I could swing my legs over the edge of the bed was so excruciating painful on my neck. I have been using a "contour" pillow all weekend, to give proper support to my neck. However, it seems that it isn't helping much. As much as I hate it, because I don't have the $2,000 to cover the deductibles and co-pays, before my Blue Cross Insurance would kick in 100%, I think I may have to go ahead and try to get into see the doctor today, while I have a day off from work.

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See Maxed Out Free

Have you seen the documentary, "Maxed Out," yet? If you haven't, did you know you could actually watch the whole thing online via Google Video? I have found the video, or at least one of the online copies, and am embedding it here.

This is the documentary that Dave Ramsey was briefly interviewed in.




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When Is My Stimulus Check Coming?

Do you know when you will be getting your stimulus check from the government? Most people would answer, May. However, that may not be the case. It all depends on how you filed. Not only that, but if you got a refund did you request a direct deposit or a paper check. If your refund came by direct deposit, you will gt your stimulus payment before anyone getting a check.

Take a look at the two charts below, to see when you will get your cash. The processing order will be done by the last two (2) numbers of your social security. For example, mine is 50, so a direct deposit would be May 9, while a paper check will be June 13.






DIRECT DEPOSIT

Last two SSN digits:	Payment will be transmitted:
00 through 20	May 2
21 through 75	May 9
76 through 99	May 16

PAPER CHECK

Last two SSN digits:	Payments will be mailed by:
00 through 09	May 16
10 through 18	May 23
19 through 25	May 30
26 through 38	June 6
39 through 51	June 13
52 through 63	June 20
64 through 75	June 27
76 through 87	July 4
88 through 99	July 11

source: IRS website


Now, that's news you can use!


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$300 Gone

I am excited. This week, the current balance on my mortgage was almost cut in half. A week ago today, my payoff balance was $725. Then I sent AmeriFirst Home Improvement a payment of $300, which was posted on their automated summary this morning. My new balance is now $423.28, based on a payoff for May 23. Of course, my goal is still to pay it off by May 1st. If only the $300 check I am still waiting on would arrive, so I can sweep that into this payoff amount. Once that happens, I would only need to come up with an additional $120 and some change to officially get it eliminated.

In fact, looking at the figures in Networth IQ, in the past month I have paid 50% of what I owed at the beginning of the month.

Realistically, at this late stage in the month, I may have to move the goal back to June 1st, but I believe in miracles and am going to stick to my May 1st goal, as long as I possibly can.

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My Social security Statement

I received my social security statement in the mail yesterday. I found it interesting. If I retire at age 62, I would receive $640/month. Like I would really be able to be live on that. So, we will move forward and look at going until full retirement (at age 67) when I would receive $914/month. That amount is still less then my take home pay. Of course, I would have my 401-K (which currently only has $3,000). However, if I wait until I am 70 to retire (a thought that I despise) my estimated benefits would be about $6 less then my take home at $1,133/month.

Now looking at the unthinkable, if I were to become disabled today, I would get an estimated $900/month. Again, certainly not a number I could really live on.

Below is a chart of my earnings from the time I begin working at age 19 (my 1st job, I was self employed).

Year	Earnings
1988	$327
1989	$3,353
1990	$4,365
1991	$8,611
1992	$10, 708
1993	$10,878
1994	$12,972
1995	$802
1996	$3,503
1997	$12,857
1998	$14,202
1999	$14,793
2000	$17,839
2001	$15,103
2002	$13,295
2003	$17,734
2004	$17,984
2005	$12,960
2006	$19,559
2007	$18,542

As you can see on the chart, my income took a drastic dip in 1995. That was the year I spent as a missionary (or full-time volunteer if you will). In 1996 I returned from the mission field in June and didn't find a job until September. Other highs are brought about by selling stock, with another huge drop in 2005, when I took a demotion (and pay cut) at work.

All in all I have paid $14,270 in social security taxes and $3,328 Medicare taxes.

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Job Interview

OK, I thought I would try some new features out that Blogger has introduced. The features are only available if you log into what they call Blogger Draft. The 2 features that caught my eye was the ability to now be able to schedule a post for the future. While I am actually writing this post at 11:41 PM (Central Time), it will (or is suppose to) post at 7 AM on Wednesday morning. Even, if I am still in bed, it will be able to post.

The other feature that blogger has created is a blogroll. I have already noticed one thing I don't like about it. That is that if you are linking to a specific page in a blog, it won't let you. For example, my list of blogs that aren't in the side bar. At the bottom of the link list I created, I had a link to a specific page within this blog, however when I put that link in the Blogger blogroll, it became a link automatically to the front page. In addition, the blog I write for the newspaper, it changed the link from my blog to a link to the front page of all the blogs on CJonline. Obviously, I don't want that. I think, I might just keep the link list and delete the blog roll feature. Anyway, this post is suppose to be about a job interview, so let get on with it.

This week I was called for a job interview. The guy who was doing the interviews, emailed me and made the joke that he was Dave Ramsey. When I arrived for the interview on Tuesday morning and meet him, we talked briefly about Dave Ramsey and my two blogs and then moved into the interview process. I must say, it felt very comfortable. It is a family run operation that owns 20 convenience stores in the area. I am not sure what will happen, but I will know within a week. Meanwhile, at my current job, there are things in the works there, that is to early to discuss.

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My Debt Albatross

I was going through my bills, and I found that I have been underpaying the electric bill. As a result, I have to come up with an additional $90 this week to bring it up to date. That results in me being about $40 over this weeks budget. Still though, I am trusting God and believe I will be able to pull it off. Although, I am in part counting on an annual dividend check, that I really don't know when it will come. The same check, I am expecting to use to nearly wipe out my AmeriFirst (home improvement) loan. I am still eager, and hopeful that I will be able to get rid of that loan by May 1, although this newest realization, may damper that a bit.

While, I am still struggling, it would seem that I can actually see the light. This debt will be gone soon, and I am so freaking eager to see it happen this month. Although, if it doesn't happen this month, it will happen next month. Then I can turn my focus on that annoying Fingerhut,which is the debt that is my albatross.

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