Friday, October 2, 2009
GO
I suppose blogging is somewhat dated, what with Twitter and such available to post up-to-the minute details of our lives for all to see, but that just proves that I am never as cool as the coolest, and always lagging behind the latest trends. That probably explains why my guitar rig is completely state-of-the-art circa 1985, and the car I just took halfway across the country just turned 16 years old (and turned over its 144,000th mile). Hey, if you find something that works, why rush to replace it?
Even the things that work great for awhile get old and maybe less functional, and we are seeing that trend in many ways all around us today. In the rush to replace things that work just fine with things that appear to work “better”, many things that had plenty of life left were replaced by things of greater complexity and now we see that with that increasing complexity comes a need for higher degrees of maintenance and vigilance. I remember when MIDI (musical instrument digital interface) first came around and all the cool guys were wiring up the refrigerator-sized racks with lots of blinking light and miles of cable, just so they could make sound changes with one stomp of a footswitch instead of 2 or 3. Yeah, it was convenient, but the amount of added complexity was staggering, and the cost was substantial. Plus, when you start chaining together lots and lots of electronic gear, stuff can (and will) go wrong. After a time, lots of guys who were NOT touring pros with technicians on staff went back to attaching individual pedals to plywood with Velcro, and that is where I stayed the whole time. Wait, does that make me a trend-setter? Ahead of the curve??
O.K., enough of the guitar geek stuff. Let’s talk about something that is always relevant – change, and how to know where and when to make it.
For many months now, the issue of how my family was to move toward a different way of living has been the focus of much thought, prayer, and angst. The idea that we were no longer able to simply continue on our current path was the easy part to arrive at. This brought about the question of what our next move was, and what, exactly, we were seeking to establish in this move. Some simple concepts came to the fore right away, and they all seemed to have a common denominator; rejection of the pursuit of material things in exchange for, well, our lives, and wanting to have more time together as a family in uncertain times. The question marks about my physical health, and the health of society in general pounded ever harder on the door. The other huge factors were a pressing desire to get closer to our natural state, and not wanting to contribute to the evil perpetuated by our “leaders” via taxation of our labor. All signs pointed towards getting simpler, smaller and lighter. I assumed that many of these things would happen whether we chose them or not, so it became another question of being “ahead of the curve”.
As described in an earlier post, we had done the best we could within the framework of the “get a job, buy a house, raise up some kids” model, and had our share of success and failure. While we find ourselves living in a very nice neighborhood with fabulous schools and my wife working in a secure job in a corporate legal environment, we have also gone through the process of a foreclosure and bankruptcy. Plus, there was the fact that we were living in a very nice neighborhood with fabulous schools and my wife was working in a corporate legal environment (see “greater complexity” reference above). The question became “how do we extract ourselves without having to lose everything and start over?”
That continues to be the big question.
One of the challenges of our situation is trying to plan everything and see into the future. I want to know what is in store so we can plan accordingly. I want to know that we will be safe and protected as we fumble towards our new ideal lifestyle. I want to know that we have allies and safety nets in place. I want to know that the pain I experience daily is not an indication that my body is about to quit and that I am strong enough to help guide my family forward out of our current model. I want guarantees and promises and cross-my-hearts that we are doing the right thing. These are the demands made by a certain part of my anatomy that seems to reside somewhere above my neck, sometimes feeling like nothing less than a foreign entity that seeks only to drown out that deeper, calmer part that is at my very core. There is a duality here, one I can no longer deny but one that seems to be changing as time passes and certain efforts are made to refine the contact with one and give less attention to the rants of the other. I am very late to this game, but the rewards of said effort only reinforce the notion that this is extremely important and the key to making the changes we seek to undertake.
At this point I feel I need to thank a man who I have never met, but who has played a big part in this progression over that past 2 years or so. I want to thank Les Visible for doing what he does, and for introducing me to so many other people (who I have never met) that comprise a virtual “community” of support and love that sustains and nourishes me while I fumble around and grasp at things. These others include Nina, Murph and Freeacre, Pangolin, Montana Freeman, Palooka, Psychegram, Publius, and the many other folks who comment at various blogs I visit. What happens in these places has a certain magic to it that I cannot deny, and while it will never replace the face-to-face relationships I have, many of these people I have never met are as dear to me as some in-the-flesh friends. I hope one day to make the rounds and at least shake these hands and let them all know in person how much I value them. I have done so on a few occasions and hope to expand that circle on my current road trip.
Oh yeah, the road trip. I was going to write about our current adventure but obviously got sidetracked here. I’ll do some of that in a few days, but the message I wanted to impart today can be summed up thusly; one can plan and hope and try to wrest full control of the wheel all we want, but sometimes things pop up in an unexpected fashion that simply dictate what the next right thing is. In this case, a sudden illness and the need to be close to aging parents forced our hand and made us put off any grand plans for a quick and hurried voyage across the country. Plan, try to anticipate and prognosticate all you want – sometimes you just have to listen to your guts and GO. So go we did. More soon.
Z
Thursday, September 10, 2009
Persuasion
Hey, it's back-to-school time, and what do we have on tap for young minds hungry for new information and tools of discernment? How about some skills that can be used to see the real purpose of the media and advertising? Oh, and a (not too) short bit about the holocaust. This came home yesterday for me to sign off on (not signing means points deducted from my kid's grade).
Dear 7th grade Parent or Guardian,
This year your student will have the opportunity to participate in a semester long course focusing on Media Literacy and Persuasion. We live in an ever-growing media and technology culture and there is increasing national concern that students of all ages are not trained to correctly interpret all of the media messages that are saturating our society. The Persuasion class is designed to teach students to analyze and evaluate a range of the different media and persuasion techniques so that they can learn to be more critical and thoughtful about the messages they encounter.
The study of Persuasion and Media Literacy is especially important in the middle school years. Middle school students change in these years more than ever before with the exception of their first year of life. They are in the process of discovering who they are and where they fit in. Developmentally, these children are not automatically able to distinguish what is real and not real and they often believe everything they hear. Media sells an image of what you have to do to fit in. It is important for middle school students to learn the skills to distinguish between what media says who you should be and who you really are.
Not only will we be exploring media literacy in modern times, we will be exploring persuasion and propaganda evidenced in our history, specifically the Holocaust. Although we will be using a text that is specifically written for 7th graders, due to the nature of this nonfiction study, some aspects are graphic unpleasant. If you have any further questions or concerns, please feel free to contact me at xxx-xxx-xxxx.
It is impossible to control your child’s access to all media and exposure to persuasion. However, it is possible to empower 7th grade students by teaching life-long skills so that they will be able to analyze, evaluate, and to make sense of the media information and persuasion techniques they encounter in our technological world.
Sincerely,
PERSUASION
SEVENTH GRADE
COURSE DESCRIPTION
Unit 1: What is communication? Who created this message?
Overview, Media literacy terms
Pre and post test on media literacy terms, reading strategies on concepts not
mastered.
The world in 22 minutes: Constructing a TV News Lineup
History of advertising
Mini ad campaign
Core Concept #1: All Messages are “Constructed”.
Unit 2: What creative techniques are used to attract my attention?
Basic visual language: The three building blocks
Basic visual language: How to analyze a visual text
Basic persuasion Techniques
The power of editing
Pre and post test on persuasion terms
Create media wall
Core Concept #2: Media messages are constructed using a creative language with its own rules.
Unit 3: Do you see what I see? Interpreting Media Experiences
Silent symbols speak loudly: Brands, icons and you
Ads-R-Us: Understanding target marketing
Valuing different views: Taking a stand on media violence
Media survey
Core Concept #3: Different people experience the same media messages differently
Unit 4: What lifestyles, values and points of view are represented in, or Omitted from, this message?
More than meets the eye: Embedded values in the news
Media stereotypes: How differences divide
Read “The Wave”, a play about influence and mind control
What’s missing? Making Room for Multiple Perspectives
Core Concept #4 Media have embedded values and points of view
Unit 5: Why is this message being sent?
Why we communicate: Three basic tasks: Inform, persuade, and entertain
The business of Media: Who is renting my eyeballs?
Hidden messages: The growth of product placement
Power persuasion, and propaganda: Exploring multiple motives
Core Concept #5 Most media messages are organized to gain profit and/or power.
Unit 6: Propaganda
Definitions
Forms and types of propaganda
WWII propaganda discussion
Create propaganda posters
Unit 7: The Holocaust
Video clips, United streaming
Pioneer Press introduction article
Holocaust information survey
Read stories from “The Holocaust”, a historical reader
“All But My Life”, by Gerda Weissmann Klein
“Commanding a Concentration Camp” by Rudolph Hoss
“Liberation” by Lucille Eichengreen
Most Important Word excercises
Vocabulary quiz on each reading
Study guide for each reading
Discussion and critical thinking skills
Minnesota State Common Assessment implemented with these
Computer lab, exploration, Holocaust victim testimony and related websites
Documentary, One Survivor remembers
Documentary, Paper Clips
Here's a quick line from Lucille Eichengreen;
"There was a man who had a knife in his hand, he must have weighed almost seventy pounds. And he was slicing away at a corpse and eating the raw flesh. It was unreal."
There was an additional WTF moment when I read the privacy policy. While going to great lengths to explain how carefully they guard any academic info, the following raised an eyebrow:
a. One exception which permits disclosure WITHOUT PRIOR CONSENT (caps mine) is disclosure to school officials who have legitimate educational interests. A school official is a person employed by the school District as an administrator, supervisor, instructor, or support staff member (including health or medical staff and law enforcement personnel); a person serving on the School Board; a person or company with whom the School District has contracted to perform a special task (such as an attorney, auditor, medical consultant, or therapist); or a parent or student serving on an official committee, such as a disciplinary or greivance committee, or assisting another school official in performing his or her tasks.
That's the academic info. Surely PERSONAL info is kept closely under wraps, right?
From the privacy pages;
5. "Directory Information" concerning students is public information and may be disclosed by the School District without prior consent.
a. "Directory Information" includes the following information relating to a student: the student's name; address; telephone number; date of birth; sex; major field of study; dates enrolled in the Mounds View Public Schools; height and weight of members of athletic teams; extra-curricular activities, special acievements and honors. "Directory Information" does not include identifying information on a student's religion, race, color, social position or nationality.
A parent can opt to make the above information "private" simply by sending a letter to the building prinicipal within 30 days of the last publication of the notice. How one determines that time frame is unknown as it is not dated anywhere.
I wont go into the privacy policy regarding military recruiters, but they get access to your kids and their info unless you specifically tell them "no".
Anyone care speculate on what is going on here? I can't wrap my brain around it, but admittedly I'm seeing BS and agendas in many things these days. School sure isn't what it was when I was in 7th grade. I'm looking forward to hitting the road and giving my kids a different perspective and more honest educational tools. My head hurts.
Z
Wednesday, August 26, 2009
Gimme Shelter
I used to soothe my inner spazz by saying - "well, we are going down hard soon, but at least we're all in this together so we'll be forced to finally look into each other's eyes and figure it out as the community we are intended to be". While I believe that some of this may be true, I also looked around and saw who was comprising my immediate "community" and figured that my chances were better relying on different potential allies than what surrounded me. My fundie Christian neighbor scares the shit out of me and she and her son are armed and not afraid to display their weapons if they feel threatened, as they obviously did by the contractor who, while surveying roof damage last summer in our neighborhood, was unlucky enough to put his ladder up on the wrong roof and climb up (the ladder was taken down and the guns were drawn, leaving the guy stuck on the roof being told to "get down from there!"). There are kind and thoughtful folk all up and down my block, but you would never know that anything is different today than a decade ago. We have been spared, and all that bad stuff happens elsewhere to people that are not like us here in the "gooder part of town". Or so goes the attitude around these parts.
Solutions? Ways to save our system and tweak it a bit so it is just right his time?
The programming is DEEEEEP, so we wait for the email telling where to meet up and what we are going to be railing against that day, and maybe even get the chance to fill your name in on the end of that protesting Email that was already written for you outlining your deep concern. "Virtual" activism in every sense of the word. Congress got a whole bunch of Emails when they launched their TARP program - how did that work out for those with "strong feelings" that turned them into "activists"?
Why are we always "protesting" against things instead of promoting or implementing positive alternatives? Why does our energy get spent "fighting" things instead of creating better things and demonstrating their worth? Is it just easier to be reactive and to vent, and then hope that your indignation is recognized and your deep, passionate feelings about the thing will soon be transformed into the change you wish for by someone/something else?
I'm glad to be a simple minded person who deals in the way I do. It isn't easy, but it saves me from convincing myself that calm, rational thought, or just reading the right book or manual will get me anywhere I want to be. If I want to get somewhere, it has become obvious that it requires raising up from my seat and taking steps. And it is still a struggle to even do this consistently.
Change happens whether we are prepared for it or not. Things and systems break or become obsolete, and they get fixed, improved upon or discarded and replaced, hopefully by something better. I think it is most important to not let someone else determine what "something better" looks like for us as individuals. If we are as smart as we think we are, the dots connect and lead to a certain model of existence, and the best we can do I think is to start living that way RIGHT NOW to hopefully avoid the feeling that someone else made the choice for you once again, and gave a huge shove to get the momentum started. I don't like being pushed that way, and other things have pushed me to the point where I have nothing of any value left to lose, because none of it had any value to begin with it seems. The few thing I have left are worth saving, and I'm attracted to something that may accomplish just that if I am lucky and properly focus the intent behind it. We shall see how all this shakes out, sooner rather than later.
I can only speak for myself, however. But that's exactly how I want it these days. No more support for those who would presume to choose what is best for me and mine. I don't think they have our best interest in mind.
Z
Tuesday, August 25, 2009
"It's not negotaible"



Veering further away from my usual frank, conversational approach to doing whatever it is that gets "done" here, I'd like to get some reaction to these gems I ran across. Some creative captioning, perhaps.
One of these is not like the others, and all 3 carried strong messages for me, enough so that they are taken as signs and kept as reminders. I am frankly just curious about the initial emotional reaction to any of these images. Thanks in advance for sharing should you be so inclined.
My best to all,
Z
Tuesday, August 18, 2009
Check, please!

Wow, that was quite the spread. It was piled up as far as the eye could see, and it was all hot, fresh, and smelled yummy. If you couldn't find that certain item to satisfy your craving, well I contend you just didn't look hard enough. And thanks to the wonders of modern technology and good innovation spurred on by healthy competition, everyone can afford to join this party.
How could so much be laid out for so many different tastes, and sold so cheap? I mean, it was an endless parade of item after item all there for an amazingly low, low price, and it seemed to be limitless. The constant parading of the help from where it was all being cooked up for our enjoyment never seemed to stop, and it was all being replenished even before anything got half-empty. Man, what a deal! Whoever thought this angle up was certainly a very savvy business person, don't you think? (burp)
And look, it is for everyone! I look around and see all walks of life feeding here, no one is excluded from the benefits of this remarkable spectacle. I even started getting letters in the mail from others adopting this approach, and some even asked LESS for the privilege of strapping on the feed bag and rolling around in all its goodness. Just looking at the pictures of the obviously satisfied customers and the text reinforcing the idea that I did, in fact, deserve these riches confirmed my feelings of entitlement to them. Damn right, I earned it! It really makes one feel good to know that so many people are concerned enough about my needs to send me mail offering discounts and an ever-increasing selection just so I will never have to be left wanting. ("Could I get another Diet Coke over here?")
You know, there are just a few questions I have about this arrangement. How is it that I can come here daily and partake of this wonder, yet very shortly after doing so I always feel the urge to do it all over again? I mean, when they say "take all you want" I take that seriously and never hesitate to take it to the very limit, but it's amazing how fast the craving returns. Sure it gets uncomfortable sometimes (hang on a sec, I need to loosen my belt), but why would anyone not want to take full advantage of an offer like this and cram as much in as humanly possible? I just wish the feeling of satiation lasted a bit longer, that's all.
The other thing I have to wonder about is why none of the people tasked with facilitating all of this seemed to be enjoying the thing itself. I think they might be horribly uninformed, or just don't get how awesome it is to feel like the world has been laid out before you strictly for your own personal enjoyment. What is wrong with these small, quiet people who actually seem content to get by with the simplest of things, and never get in the long line to jostle and shove to get at the really good stuff. Poor, backwards creatures. If I choose to enjoy this limitless bounty, why do they not do the same? Can't they see how happy I am when my pile is taller than I can even handle, yet I can still come back for more if I want seemingly forever?(Ooh! Did you see THAT? Go save me a place in line so we can be the first to dig in) Are they avoiding it because they simply have yet to discover the joy of unlimited freedom to consume as much as you want without anyone ever saying "stop"? Losers. I think I now have a good idea of what it may feel like to be a King or Emperor, what with all these folk scurrying around just to make sure all my hungers are satisfied. It's good to be King! (Shit, I have another headache coming on)
O.K., I admit that sometimes it gets to be a little uncomfortable, trying to get all that I'm entitled to in every sitting (hang on a second, I need to loosen my belt). The discomfort is usually mild right after each visit, but being able to feel the glow for hours afterward takes some of that away, and really, it passes pretty quickly and I'm usually ready for another go pretty soon after. Sometimes the smells even linger on me and remind me of the joyous event. There are those occasional sleepless nights where the burden of what I had taken on hangs around and makes it tough to get comfy. I even have nightmares as a result sometimes, but that can all be minimized, too, with a couple pills or a quick purging. Even in those rare times when it seems the resulting load is poised to kill me, and I have to struggle mightily to pass the remnants on to make room for the next indulgence, I know that after the sweats and the waves hit me that this, too, will pass and I'll be set for another trip to that place of limitless joy and satisfaction. It's all worth it, and if you don't know these pleasures than there is something seriously wrong with you I fear.
C'mon, if I can afford it anyone can. It's practically your birthright.
Shoot, I should go now. Gotta go lay down and rest so I can be fresh for our next trip. I heard they are going to be cutting down the options and raising the prices soon, so I need to get while the getting is good. I'd invite you all with me, but if there is to be a decrease in the options or a reduction in quality to be faced, I'd hate to have to hurt you for keeping me from what I am entitled to. I discovered this thing before you, and while you might be thinking you want some too, I'm a very big boy capable of kicking your ass all the way across town if need be, which proves God favors my right to keep at it at your expense. Nothing personal, you see, just simply evidence that I am entitled to all this and you need to get out of my way or suffer the cosequences. See you in the chow line! (just make sure you're behind me and don't even think about taking that last crab leg)
Z
Monday, June 1, 2009
Turning In My Free Pass

It seems unlikely that 2 months have passed since I last did whatever it is that I find myself doing at present, but the system by which we have agreed to mark our voyage insists that it is so. A great number of things have occurred here and everywhere it seems, and yet it feels much the same as it ever was, just further along and with better weather. My mentioning the weather in the first few sentences is probably very indicative of how much I have to say that has any substance, but there was something that compelled me to drop into this seat and I don't have the energy for argument right now.
I last wrote about the process of hacking away the shackles of the American Servitude System that I had become enmeshed with, and hopefully emerging with some sort of fresh start. That process, overall, is pretty cut-and-dried, and pretty impersonal unless one chooses to get caught up in the emotional aspects of losing "stuff". The past 2 months have been about another sort of "reset" that is needed, and this one is all about being personal. A choice had to be made, one that was going to shape everything that came after, and that probably would need to be reaffirmed on a moment-to-moment basis for the rest of my days. As I sit here searching for words that don't sound overly dramatic or cliche, I can only come up with this; I had to choose to value my life rather than sitting back and waiting to die.
Reading the following words today summed up my life for the past 7 or 8 years. This is exactly what happened to me that caused me to retreat and withdraw from my life and the world around me. Thank you, Nina, for this priceless reminder.
"Should you be caught up inside of it to the point of despair, you will lose sleep and sicken your immune system. When you cannot experience the beauty of the life you are leading and the joy abundant in interacting with your fellows, you might as well abandon Gaia in surrender to the Illusion's hollow legs."
I found "it" in the form of a series of events within a short period of time, and in daily reinforcement by seeking out reaffirmation of my conclusions made. The internet was a big part of all of it and the perfect tool for maintaining the vibe.
There are enough aspects of this that already feel self-indulgent, but talking about the things that have shaped who I am am today and where I hope to go (why am I writing this again? Oh yeah, we ditched the shrink and it's free!) must include some mention of a certain challenge I face, and will continue to face from here onward unless I can call on the resources of the Universe to show me how to make a correction. I can't pretend it isn't real, and I can no longer pretend that it doesn't profoundly impact most facets of my life.
As much as I try to kid myself and put on a brave face, I am not an entirely healthy individual. The blame for much of my current state is mine and mine alone due to a general disregard for common sense maintenance items like regular exercise and eating right. When I saw my doctor last week I joked about gaining a couple more pounds just so I can say I was 300#, but he didn't seem too amused by it. Much of the damage has been done in the last 5 years due to becoming almost totally sedentary and having an unchecked affair with cheese. I do, however, face an additional challenge in the form of a boutiqe ailment known as Fibrosing Mediastinitis. My doctor had never heard of it and I am in a rather exclusive club as a person being so diagnosed, so there is that whole exotic element that is cool, but otherwise it pretty much kicked me over the edge and gave me the excuse needed to sit back and await my demise (even though some put the mortality rate at only around 40%). So far it has rendered one lung basically useless and surrounded my heart with scar tissue along with assorted other symptoms, but the really big question mark with this disease is one never knows if it is done or not. Might progress, might not. The only way to know is to either do regular (expensive) scans or to wait until something goes amiss. It would be easier to KNOW what is going to happen, but what else might we apply that to in our experience here?
I'm not going to roll around in descriptions of the process, or how it has specifically affected my abilities, but I wanted to identify the thing that became my free pass - my shield against having to actually participate in my own life and the lives of those I share space with. I'll say it and move on; I quit on myself, my family, every one of you, and for that I am so very sorry. To those that I know will read this (or otherwise know my heart), I thank you for never discarding me or allowing me to go all the way over. Your patience and continued love have no limits and leave me speechless and in awe of your strength and capacity for compassion.
This aspect of my voyage needs to be addressed logically, but not allowed to become an excuse again. It is also a thing that needs to be carefully considered when planning for a different future - one that by its nature would likely involve much more physical labor and no insurance coverage. It also clearly points out how much need there is for community, because I can't do any of this all on my own.
Hey, I'm gonna die someday - don't know when or how exactly, but it is going to happen. That club is not very exclusive, however. Get over it, Z, there is work to be done.
This choice to try and reclaim my body and live up to my responsibilities as a husband, father, and friend finally became very easy. I got tired of waiting and fearing every new change in my body, and tired of being disappointed to wake up each morning. It is very much like the impatience my father showed when he asked me to help him leave this world after suffering enough with cancer, and I mixed up a cocktail using the slow-release instead of the fast-acting. He got a little cranky and said "What the hell, shouldn't I be dead by now??". Yeah, I guess things don't always work on the expected schedule now, do they? Sorry, Pop.
It is so easy to look around at the world and come to the conclusion that all hope is lost and death would be a welcome relief. A couple years of surfing WRH and other assorted websites of similar ilk 4-6 hours a day will get you exactly what Nina describes without a proper counterweight, and I soooo went there. And finally I had to ask, "What the hell, shouldn't I be dead by now??".
I guess not. Must mean there is something more to do here. Now, to find out what exactly that is.
This could be fun.
Somebody hit that button marked "RESET", wouldja?
Thanks.
Z
P.S. If you see the guy at the top of this posting around anywhere, tell him I'm looking for him.
Wednesday, April 1, 2009
Pulling the plug - part 1
You see, I had made it. Despite being a high-school dropout stoner loser malcontent who much preferred playing my guitar with friends to attending school or following up on my commitment to the military (a fine tale of intrigue for another day), I found myself living the American Dream!
Had the house in the 'burbs (on a cul du sac even!!), the 2 cars, the motorcycles and the cell phone with a cool ring tone (I switch between Jimi Hendrix doing "Machine Gun" and SRV's "Lenny"). My incredible wife, who also bailed on school early, set her sights on a position with a major corporation headquartered in town and wound up landing a gig within Corporate Legal that had great pay and benefits, so I could stay home with the kids and maybe create something in my spare time. O. K., so we drove 15 year old cars and didn't watch T.V. or go on vacations, but we lived in one of the best neighborhoods in the state and our kids would be going to school with the children of our politicians and Captains of industry. Man, I had it going on!
Then I didn't. You see, it was all a mirage. Illusion, even. All predicated on the assumption that everything would not only stay the same, but continue to get better and better as we went along. Good times were here, baby! And then they weren't.
And it is all my fault. Not because I am one of those losers who continually used their home as an ATM ( I didn't until the very end, and only to bridge a gap while carrying 2 mortgages until our first house sold), or because I engaged in an orgy of materialistic indulgence (not much, anyway - I admit I bought some shit I didn't "need", but whatever). It is my fault because I ignored the advice I was getting. Not the advice from the bankers or realty people or my relatives, but from that part located somewhere deep inside my guts that never, EVER bullshits me. I knew better on some level, but went ahead and ignored my intuition.
We were living in the 'hood. We had been there for 10 years and had watched all the old blue-collar folks who had been our neighbors move on or die off, and had seen the influx of property management run shitholes and real- estate flippers. Our kids were vulnerable, the gunfire was intensifying and getting nearer, and a rich relative was willing to help us make a transition to a better neighborhood. It was all laid out nice and neat so off we went, assured that all would be well and that we'd do better than break even after it all settled out.
The 140K that our previous home was valued at when the HELOC was initiated quickly went down to the 60K that that the bank bought it for (from themselves) when the foreclosure auction was held. This took less than 2 years. The approximately 80k represented in that swing is only about 5k less than the amount of debt that the bankruptcy will erase, so I guess it all washes out in the end somehow, but it was amazing to watch our old neighborhood crash hard. Houses on my block that had been 175K 3 years prior were not moving for way less than 1/2 that amount. A nice home on my block sold for 20k the summer we were foreclosed on. And then the copper bandits moved in and the boards started going up. But why did this happen? What mechanism can make such radical changes in "value" take place within such a short span? Must be all those low-income losers who got in over their heads after the Democrats forced the poor banks to lower their lending standards and allowed the poor folks to play the real estate game. That'll teach us to never let poor people, and especially minority poor people, play the game. The poor banks never had a chance, did they? All I know is that lots of rationally sized, well-built homes 5 minutes from downtown Minneapolis got snatched up for pennies on the dollar, and are sitting empty waiting for.......................
Yeah, I'm part of the problem. The debt collectors liked to remind me of that all the time. They'd remind me that I had an obligation to Citibank (or Wells Fargo, or B of A and whoever else was hiring these clowns to call me up and offer me all kinds of impossible solutions to my problem), and that I was a loser for not being able to keep my end of the deal. There was little understanding of how it was that I was unable or unwilling to commit to a "new" repayment plan authorized by the creditor to settle for 1/2 of the total amount - as long as it was forked over in the next 10 days. "Gee, I'm sorry I can't make the minimum payment, but I'll just reach into my back pocket and pay you several thousand dollars (or at least promise to do so) to get this settled. You guys are sooo understanding and cool!".
When you see your credit card rates go up, that's my fault. When your taxes are raised to restore the health of the financial entities who were kind enough to lend a deadbeat like me $$, that would also be my doing. I fucked up the whole thing for ALL of us, and now I'm going to walk away from it all wearing the shame of a foreclosure, a bankruptcy, and tattered credit for years to come.
And frankly, I really don't give a shit anymore. Nothing I have that is of any "value" in the conventional sense was going to stay with me anyhow. Take it all! It's only stuff. Most of the really cool stuff I have was given to me anyways - it almost literally fell from the sky. That '72 Les Paul Goldtop that is the most expensive thing I own? A gift from my dad on my 18th birthday. My Triumph? My wife's Harley? Gifts via inheritance. I didn't earn it, I just had a birthday or someone died and left me something. Easy come, easy go. I know I needed to get a better grip on my guitar collection, and now that will be done for me. Hey, everyone knows that motorcycles are dangerous, so when they come to take them away I should be thankful. Can't exempt the kid's musical instruments so they will be taken, too? Hell, they don't need to mess with that stuff anyways, right? They might end up like ME!
I'm not bitter. Really. Honestly. I'm blowing off steam today, but I knew today was coming. Much of the change coming at me is needed, and I figure if I don't initiate change myself, it will be seen to eventually by other means. Coming out the other side of this means that my next moves will not be determined by the potential exposure to the vultures that have been circling overhead for a couple years now. By saying to the world, "I messed up bad and violated your rules, so come punish me for it so I can get on with things", the future opens up with unlimited potential. If we are stripped down to the basic means of day-to-day survival (which in this case is pretty silly - I'll still live in a big house in the 'burbs and have my tools at hand), then maybe we will learn where real wealth lies. And I contend that I am still a very wealthy man. Love is still here, and it does not appear to be affected by the size of my bank account, or any other measures that American society uses to size a man up. I am faithful. I am as honest as I can possibly be. I played the game by the rules and lost on a technicality. But it is not game over. I didn't know the rules and ignored the advice of my best coach, and got battered a bit, in a manner that many would see as a horrible blow. I am left grateful.
Because now I see. I see how the game is rigged. I see that NONE of this is an accident, and that by participating in this system I help feed it and allow it to continue to rule my life and by extension, the lives of people all over the world. Now that the mask has been ripped off, it is my mission to unplug completely from this crappy excuse for an existence and do what people keep telling me is foolish, irresponsible, and possible abusive to my kids. Self-determination leads only to self destruction, or so I'm told. You can't do it on your own, they say ( I agree. I will find my tribe. Count on it). You don't want to give up the safety and security of that great job! (what a fucking joke). By telling me I'm a loser and that I can't play the game anymore, you have set me free to create my own, or at least see clearly the consequences of trying to "get ahead" here.
Look, I've made it once and I can do it again. My wife and I, 2 dropout dreamers with no college degrees or trust funds, have become completely average Americans. We live in an average house price-wise, our income is just about exactly average, we have average debt and a couple kids that, when evaluated by prevailing means and balanced against each other end up........average. I know this drill, now. I have been there, done that. And if my next plan (or the one after that, or after however many tries it takes) fails, I have proven that I can jump in and become quite average all over again should the desire to do so arise.
Now the challenge is greater, because we venture into unknown territory. Some would say hostile territory even. We will try to swim against the current, and ignore the rules that prevail (or at least try). Hell, I have always thought of myself as a bit out of place here, and railed against convention for as long as I can recall. Let's see how truly "out there" we can get. And maybe by sharing this process and all the challenges and triumphs, others will see another way to do it. It begins in earnest, or to quote G.W. Bush, "Bring it on"
Z
