To All Student Loan Debtors In America

There needs to be a consensus that these loans will no longer dominate every college educated young person in America. Enough is enough. Either the lawmakers can bail them out like they do the banks, OR the students in outrageous debt need to flee the country with their degrees and knowledge and go make another country great again. I’m sick of this modern indentured servitude of today’s best and brightest young Americans. If Trump wants to make america great again, he needs to focus on helping out the young people who struggle under enough debt to buy a house that they incurred just for trying to better themselves. What country would welcome educated professionals? The cost of these loans double while graduates struggle to pay them off in a country whose older generation refuses to retire so there’s jobs for the young, newly educated INDEBTED graduates. Get your passports and GO. You are obviously not appreciated in America.

Peasants In America

Most people in America are peasants. They would never admit it, but that’s the kind of life most live. They own very little. They work five days a week, 8 hours a day, at jobs that do not make them rich, but it makes whoever owns the company they work for rich.

An American dream is to own a house – or it used to be. Home ownership leads to being tied to working 8 hours a day, 5 days a week.

There are 168 hours in a week. IF, and they usually don’t, but if the peasants sleep 8 hours a night for 7 days a week, that uses up 56 of those hours. Most peasants are sleep deprived because working 40 hours a week means they don’t have time for much of anything else. If you add the 56 hours sleeping to the 40 hours working, you get 96 hours a week. That doesn’t count any overtime work, paid or not paid. If you are “salaried” in America, you don’t get any overtime pay. You get paid a set amount for the job, no matter how much time you spend doing it. School teachers are salaried employees and they work more than 40 hours a week, but don’t get any additional pay.

Most people who are paid according to how many hours they work will welcome overtime work because it is usually paid at 1 1/2 times the regular rate of pay. They welcome it because they cannot afford much of anythng with their regular 40 hour a week paycheck.

I’ve digressed. Work plus sleep equals 96 hours a week. When you subtract that from 168, you get 72 hours a week of “freedom”. Some of this time will be spent “commuting” to your place of work. For my last job, I spent twenty minutes driving from my home to my workplace. That was 40 minutes every day in my car driving. Some people spend thirty minutes or more communting to work. Let’s say a peasant spends thirty minutes each way getting to and from work. That’s an hour each day. If the peasant works five days a week, that’s five hours gone. 72 minus 5 equals 67.

A peasant has to be clean for most jobs. That means they shower daily. They have to get dressed for work, dressed for bed, and dressed for other activities. If a peasant spends 15 minutes a day getting dressed for each activity, they spend at least 30 minutes a day doing this. If they spend 15 minutes taking a shower, that brings this total to 45 minutes. Then there is teeth brushing, laundry, some housework, and some have yard work as well. If you subtract the 45 minutes of showering and getting dressed . . . Let’s call it an hour because many people spend more time than that. There’s makeup and hair and selecting clothes to wear . . . Let’s say most people spend an hour a day dressing or getting ready to be presentable, and undressing or changing clothes for non-work activities. That’s 7 more hours out of the week. Now we’re down to 60 hours a week of free time.

How long does the average peasant take to eat? Does the peasant also fix his own meal, or does s/he go out for it? This also takes time. There are three meals a day. School teachers get about 20 minutes for lunch, if they’re lucky. That’s the amount of time alloted to eating the lunch. It still has to be either purchased or prepared. Let’s call it thirty minutes a day per meal and assume most peasants eat three meals a day. That’s an hour and a half per day for preparing and eating food. Multiply that by 7, because there are 7 days in a week. You get 10.5 hours a week eating and preparing food. Subtract that from 60 and you have 49.5 hours a week “free”. This still does not count the time spent doing laundry, cleaning house, or doing yardwork. But if you divide the 49.5 by 7, you get roughly 7 hours a day of “free time”.

Most of this free time you are tired from working at least 8 hours a day. You spend part of that time paying bills with the money you earn when you exchange your time for dollars. In America, there are many taxes to pay. The government takes taxes out of your earned money when you make it and then again takes taxes when you spend it. Americans “file taxes” once a year to be sure that according to how much money they earn, the government gets what it considers to be its fair share. If you have bought anything like a house or property in America and you sell it, you must pay taxes as well. There are county taxes and federal taxes and in many states, state taxes for many different things. There is money taken for social security, which is income provided for “old age”. If you die before you are old enough to collect all this social security money back, you just forfeit that money that has been taken out of every paycheck you ever earned. How much “tax” goes into the social security collection? Each person and their employer contributes 12.4 percent total of the person’s earnings to this collection. Each person contributes half of this amount, or 6.2% out of every dollar earned for a whole lifetime with no guarantee of living long enough to get it back. The employer pays the other 6.2%.

Social Security is financed by a 12.4 percent tax on wages up to the taxable-earnings cap, with half (6.2 percent) paid by workers and the other half paid by employers. This taxable wage base usually goes up each year—it rose from $117,000 in 2014 to $118,500 in 2015, but stayed put at that level for 2016.Oct 18, 2016″  (found online https://www.shrm.org/resourcesandtools/hr-topics/compensation/pages/fica-social-security-tax-2017.aspx)

Most people don’t stop to think about how little free time they have in America. They’re too busy working and worrying about bills and health and other worrisome things. This keeps the peasant’s mind occupied so they don’t realize they are peasants.

College graduates who have been told that education would improve their lot in life graduate saddled with thousands of dollars in student loan debts. That is another guarantee that they will live a conforming peasant style life and “contribute to society”, which is actually making sure the rich stay rich while the peasant believes the lies of the American dream. Although the money many borrowed is government money, the college graduates (or even non-graduates, but college attendees) pay high interest rates for borrowing this money. Many end up paying twice what they borrowed back for the privilege of having enough education to do a higher paid job in America. I don’t know where the interest on this money goes, but since many of the loans come from the government, I would assume the government keeps the “interest” money as well.

Merriam-Webster defines a peasant this way:  :  “a member of a European class of persons tilling the soil as small landowners or as laborers.”

Americans are a class of laborers, whether it be skilled or unskilled. Most Americans enjoy the peasant lifestyle.

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Some Things I Have Learned This Week

If you go to a place where Senior Citizens gather, you will meet new friends. Those new friends will eventually introduce you to their friends in other places and you will have more peers to interact with than you know what to do!

Seniors are cheerful. When you go to a Senior Citizen event, there will be smiles and laughter.

Seniors cheer each other on. If you face a medical problem, you know who to ask for a referral to a good medical doctor. You know where to go to get certain services. You know how to handle certain situations at your age.  Everyone is pulling for everyone else to succeed at life and to enjoy it.

Senior Activities abound! What are you interested in? If you go to a Senior gathering, you will likely find something pertaining to that to participate in.

Seniors use the language you’re accustomed to. You know exactly what they mean when they use idioms  such as “My eyes were bigger than my stomach”. There is no explaining to have to do when you converse with another Senior.

If you’re a Senior Citizen now, or become one, get out there and make the rest of your life happen!

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Home Hearths’ Fires Going Out

https://en.wikipedia.org/wiki/Hearth

The last few decades may be known as the era when women who had everything, fought for the freedom to have more, just to realize how much they had lost.

My childhood days were filled with watching other mothers sit together drinking coffee and talking, while my mother, who was crippled, hobbled off to work. She was (shame! shame! shame! then) divorced and raising two daughters alone without a man’s help.

Fast forward a few years and I’m in college with feminists jumping on me verbally because I didn’t get on the women’s rights bandwagon that encouraged women to work outside the home! I warned them that I’d watched my own mother go off to work still tired from the day before. I’d seen nothing in her life to make me want to emulate it. But they thought I was crazy.

Since that time, women have hurried off to work daily; many have come in to work a few weeks after giving birth and cried daily because they had to leave their newborns with sitters. I wanted to tell them that I’d warned their mothers about this wonderful goal women had glimpsed and grabbed hold of – having it all.

What women have ended up with over the last few decades is less and less, as divorce rates sky-rocketed and women cooked less, cleaned less, and felt like they had less time and what time they did have with their families were exhausted feeling times.

I read somewhere that it was “normal” for women to stagger to the washer at 3:00 am to put the clothes in the dryer. Women used to have time to hang clothes out on the line. They’d often watch their children playing outside while doing this. Children were taught to help around the house. Now children, like mothers, hurry here, there and yonder in search of what the older generation had and threw away.

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Too Dark In The Mornings

I just came back in the house from walking the dog. It is a little after six in the morning.

My alarm goes off at six so I can get to my job on time. When it buzzes and my eyes pop open, I am always confused. It’s still dark. How can it be time to get up?

While walking my dog, Blackie, I saw two or three cars leaving their driveways. So obviously someone got up earlier than I did. I hope they liked my pajamas as I didn’t throw on my robe before heading out.

At one point, my old dog stumbled off the edge of the sidewalk. Thank God for street lights, or otherwise I would have followed right after her.

I thought many of my complaints about working were because I’ve gotten old and don’t feel as well as I did in my youth. But now I wonder if some of the feelings I have stem from the illogical way we approach our days now. I get up in the dark, but when I come home, there’s plenty of sunlight left. Sometimes I look at the clock after I’m up and wonder if there are little children standing on the side of the roads waiting to catch the school buses? How hard is it to get children up in the dark to start their day, when the day has not started itself yet?

I silently ask too many questions. The world is topsy-turvy now and I cannot right it. All I can do is withdraw from it and live the rest of my life on my terms. True, the money will be tight, if it exists at all, but stumbling out of bed in the dark to race off to another day’s work just doesn’t appeal to this senior citizen like it used to. I keep trying to remember when it started being dark when I woke up for work? When did the desire for the almighty dollar supersede the common sense of waiting for daylight to start the day? There is enough daylight to get me to and from work and to last while I’m there. Is rising in the dark really necessary in America? Why are we all racing around like our backsides are on fire? Does anyone enjoy this kind of living?