Free Application for Debt and Enslavement

As doctors, policemen, teachers, or whatever we do to help others, we do it, and take an oath to help and not hurt others. Since the introduction of FAFSA, Free Application for Federal Student Aid several young people have been led into a long period of debt with little in return for their expense. Granted it has helped some, but the statistics are out, and they prove that our youth are being set up with debt that drives suicide, frustration, anger, drug abuse, and a whole list of ills. Sadly, the government, education, and banking bureaucracy behind it could care less, so long as they are making money. You have it right young people, you are pawns for someone else’s mansion, swimming pool, or fine luxury auto. You are their slaves and interest on the debt you owe makes them laugh and smile.

Currently we have a huge demand for blue-collar and skilled  labor in America., but this knowledge is not being shared with you at school. Why? It does not benefit their bottom line or alignment with College Board or colleges. The demand for skilled construction, machinists, auto mechanics, dental hygienists, physical therapy assistants, nurses and assistants, chefs, bus drivers and street car operators, hair stylists, train industry, petroleum industry, linesman for electric companies, Gas plant operators, Transportation Inspectors, Elevator installers and repairers, Electronics repairers, etc. The list is long and many of these jobs can be obtained from on the job training or as little as an associate degree for under $10,000. Many of these jobs offer salaries that far exceed the average college graduate salary without the burden of deep debt. In fact, most will send you over $75,000 a year with 401k, health benefits, and a nice yearly vacation.

Our schools have long pushed the mantra of college, college, college. You do not want those blue-collar jobs, you want a professional job. High schools have even eliminated programs on campus for blue-collar or skilled labor. This has created a huge shortage of qualified workers in many blue-collar or skilled labor fields.

Let’s look at how a young high school grad in blue-collar or skilled labor can do better than their college bound friend.

For fun let’s look at the job of a truck driver who can spend as little as $6,000 on six weeks of skilled labor schooling and hit the road making $65,000 local to over $100,000 long-haul across the country.

Let’s say your friend is receiving all that fine FAFSA loan money for college. A college in Florida has yearly expenses of $43,000 a year for a teacher’s bachelor’s degree. Let’s assume your friend finishes in five years. Their total cost for their degree is a whopping $215,000. Let’s also assume your friend received grants and half of their schooling was free. That leaves them with loans of $107,500 dollars.

Let’s look at their loan pain now. Let’s assume they have 7% interest and it must be all paid off in ten years. Based on that premise they now owe $1,248 dollars a month in loan debt.

Your happy graduate friend is coming home to Houston and lands their first job as a teacher making $52,000 a year. Which gross is $4,333 a month. From that right off they have insurance, taxes, and teacher retirement deductions of about 18% on the low-ball side leaving them roughly $3,553.06 net income. They need to pay their college loan back. $3553.06-1,248= $2,305.06. Your friend now must pay rent and the average for a one- bedroom apartment in an average area is $1,200 a month. Let’s now deduct that from your friends pay. Your friend now has $1,105.06 for groceries, gas, utility bills, job expenses/clothing, car payment, etc. Your friend will have little of anything left at the end of the month for the next ten years. Let’s assume they graduated at 23 years old. At age 33 your friend will start having money left over to perhaps save for a house. Your friend is frustrated! I see it all the time.

Now let’s look at you who decided to break away from the sheeple and be a renegade. You decide on that trucker program at Houston Community College for $6,000 in six weeks.

You hit the road at 18 making $60,000 a year. That is $5,000 gross a month. Let’s assume you also have 18% deduction for taxes, social security, insurance, etc. That leaves you with a gross of $4,100 dollars a month. Before you friend ever graduates college with their debt and starts a job you will make $246,000 dollars more than them over five years and that is a low-figure, because this does not assume your pay raises or how much you work.

Your friend starts life at negative -$107,500 in the hole (liability) after-college and you start off life with assets. Depending on how well you manage or invest your money it could be a substantial amount of assets. You might even retire a millionaire at 50 as a trucker because you were wise.

Your salary will always exceed your friends even if they pursue a master’s degree in education unless they enter the highest levels of management.

Let’s assume from your $4,100 a month net pay you have $1,200 a month rent. You now have $2,900 net income after rent. As you can see from the above example you will always exceed your college educated friend if you are wise with your assets/money. No debt and you started making money faster.

Unfortunately, many, but not all, teachers and counselors who are advising students to go to college often have little experience with understanding money. They often do not understand their 403b. Many are in debt themselves. They just follow orders and push programs because that is what they are told. Some never research anything or understand it, which I find sad, since they are in the business of learning. That is why I offer you this free example. I signed an oath to help people.

Is this designed to steer you away from college? No! It is designed for you to reflect! An opportunity to reflect on a side that nobody is sharing with you. College is a HUGE commitment and cost.

My job in educating you is to give you the pro’s and con’s. Assets are always a pro over liabilities. Asset’s do place you in a position of less worry more often than a load of liabilities.

If you are thinking about being away from mom and dad, partying, or signing up for one of the many degrees that are worthless in the real world, I would advise you to reflect. You could be setting yourself up for a life back at home with mom and dad if they are willing to accept you.

Debt is the modern word for slave. If you owe debt you are owned by the master, you are paying too. Free Application for Debt and Enslavement to the master! Please do your research and carefully weigh your options before taking on loans through the FAFSA Free Application for Federal Student Aid. What will place you in a better position short-term and long-term? Do you want to owe money or make money? Who is benefitting from all that interest you must pay back? What is your passion for life?  Find out about ALL your options!

I hope this helps you in your decision-making process and gives you some insight into what is being hidden from you. Good luck!

I have long loved Greek Food and Olympia Grill at Pier 21 fills that need when I am relaxing down on Galveston Island. The Greek Sampler offers a great selection at a reasonable price and best of all it is delicious. Pictured here is the Taste Of Olympia platter featuring hummus, tzatziki, falafel & dolma, Greek salad, spanakopita, gyro slices, pastitsio, moussaka & vegetables. Also pictured is a dessert platter sampler. The views are outstanding and one can often see the cruise ships leave the Port of Galveston and the clipper ship Elissa. For more information visit their website http://www.olympiagrill.com/

The 1940 Air Terminal Museum

Posted: August 20, 2018 in Uncategorized

The 1940 Air Terminal Museum is based out of Houston’s first ever commercial airport. It is right next to Hobby Airport and Billionaire Buyer Tillman Fertitta’s Landry’s hospitality hanger. A little bird told me for $100,000 in gambling you can ride in the black helicopter to the Golden Nugget in Lake Charles. There is a lot of history regarding Braniff, Pan-Am, Eastern Airlines, etc. All of which no longer exist or have been absorbed. There is a hangar to check out planes and a nice Lockheed Lodestar outside on the tarmac to tour. If you love airlines, flying, or aviation history, or just history in general this is great stop. For more information visit their website here http://www.1940airterminal.org/

The Houston Bicycle Museum is a really great place to view racing bikes, BMX bikes, recumbent bikes, historical bikes, lowrider bikes, art bikes, etc. Interestingly, I just learned of their imminent closure until they find a new space. New spots for the museum have rent costs three times more expensive which could pose problems. They have to leave their current site by October 18, 2018 due to a parking lot expansion for the Holocaust Museum. I really hope they find funding and a new location because the history behind bikes is really amazing. If I were a billionaire, I would give them a million A.S.A.P., but sigh, I am not. For more information visit their website here http://www.houstonbicyclemuseum.org/

Here are a few photos from my visit and some of my favorite bikes. A chopper, a wooden one, an artsy one, a Asian style one, a musical one, a lowrider one, Lance Armstrong and Tour de France, and a room view.

The Star Drug Store has been around for over 130 years serving Galveston Island residents. They have food, malts, shakes, and banana splits just like you would find in the 50’s. If you want nostalgia and a feeling that you have stepped back in time, or just a place to experience history, this is a must do on your bucket list.  Here are a few photos from my stop. For more information visit their website https://galvestonstardrug.com/

 

When you want candy or ice cream this is the best stop in the heart of The Strand district on Galveston Island. La King’s will cure your sweet tooth! It has been around many years and survived a few hurricanes along the way. Here are a few photos. Oh, yum! For more information visit their website http://www.lakingsconfectionery.com/

Library – A Haiku

Collection of books

To expand our intellect

Read, borrow, and learn.

2018 Albert Moyer, Jr. Poetry and Photography

Cat and Dog – A Haiku

We are different

And we still love each other

Balanced harmony

2018 Albert Moyer, Jr Poetry and Photography

About a month and a half ago, we lost our trusty friend Domino after twelve and a half years. He was known to us as our other child. A son if you will. He was the best Boston Terrier and dog ever. Extremely intelligent! I have been through many dogs in my life and I knew there would be no comparable companion. He will always be in our hearts. Without a dog the world seems like it is missing something to me personally. I knew I had to get another dog. Which brought me to a dilemma. Do I get another pure breed Boston Terrier or opt for a shelter dog? After searching for Boston Terriers, I found quickly that they were not as easy to find as Domino was, and in twelve and a half years the price skyrocketed to well over $1,200 for most. I heard so much about saving dogs from rescues that I gave it a try. My first few trips I really hated it. Way to many Pit Bulls! Breed and fight! Geez dog fighting losers! Get a real job. However, I did not give up.

One day, I arrived at the shelter early with family and we came upon this beautiful rat terrier/chihuahua mix. He was just jumping to see us. We knew he would be the one. His shelter name was Taco, but we chose Raphael for him. We adopted him and he has been a wild man and little bundle of joy for a whole $50 for neuter and shots too. It was great price and we saved a life. So many pets are euthanized(translation: KILLED), during their stay at shelters do to incoming dogs and cats. It is happiness for all parties! It felt great even though it was not another Boston Terrier.

My daughter always wanted a cat and she was looking at me like, “Dad! Can we get a cat too?” Cat’s were so plentiful that they were literally giving them away for one dollar adoption. I thought,”O.k. Let’s give Raphael a companion. A dog and a cat? What could go wrong?” So we searched the cats and came upon a playful beauty that we named Dinah. She is a Russian Blue mix. She runs all over, plays, climbs, purrs, and has become a buddy to Raphael or Raphael has become a buddy to her. Mutual friendship! As Jackson Galaxy says in his book TOTAL CAT MOJO,” A Mojito Cat!” She has been PURRRFECT! On another note, if you are a cat lover, I do highly recommend Jackson Galaxy’s book. It has a host of information to make your cat experience excellent and not a “Cat From Hell!” Also check out his YouTube channel on cat’s here https://www.youtube.com/channel/UCheL-cUqfzUB8dfM_rFOfDQ

To shelter or pure breed, that’s the question, and it was answered. Save a dog, save a cat, love an unwanted pet or stray. They will love you greatly for it.

The Zilker Botanical Garden is what I envision if I were in Heaven with its herb garden, prehistoric garden, cactus and succulent garden, butterfly garden, rose garden, oriental garden, green garden, and pioneer village. I have been many places and for a $2 entrance fee I thought it to be of one of the best values ever. There are so many excellent photo opportunities in the garden areas. It is peaceful, relaxing, and beautiful. I walked it during a day that had 102 degree temperatures and felt totally comfortable. This garden will show you how important canopy cover is to maintaining cool temperatures on the ground even during extreme heat. For more information on Zilker Botanical Garden click this link: http://www.zilkergarden.org/

2018 Albert Moyer, Jr. Photography