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	<title>Twisted Sideways &#187; Debt</title>
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	<link>http://twistedsideways.net</link>
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		<title>Computer Woes</title>
		<link>http://twistedsideways.net/2008/02/20/computer-woes/</link>
		<comments>http://twistedsideways.net/2008/02/20/computer-woes/#comments</comments>
		<pubDate>Wed, 20 Feb 2008 21:46:05 +0000</pubDate>
		<dc:creator>Rusty</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Web]]></category>
		<category><![CDATA[Work]]></category>

		<guid isPermaLink="false">http://twistedsideways.net/2008/02/20/computer-woes/</guid>
		<description><![CDATA[Oh man!  For those of you in the design and web development world, you realize the importance of a stable work environment.  And for that matter, almost everything we do on our computers these days requires a good stable environment.  As for me, I have been having some trouble with my computer for a few [...]]]></description>
			<content:encoded><![CDATA[<p>Oh man!  For those of you in the design and web development world, you realize the importance of a stable work environment.  And for that matter, almost everything we do on our computers these days requires a good stable environment.  As for me, I have been having some trouble with my computer for a few months now.  Yesterday, it all came to an end.  Something terribly wrong has gone on with my computer.</p>
<p>I thought at one point, it was a bad hard drive. Now, after new hard drive and trying to install Windows six times last night, I reazlied that it has to be something else.  I think it&#8217;s either the motherboard or something else that is causing the entire system to malfunction.  And it&#8217;s coming at one of the worst times ever.  We are slammed with work, both my side business and my full time job, and a lot of paperwork and accounting stuff to catch back up on.</p>
<p>I have to get this fixed soon. Oh and did I mention that I don&#8217;t really have the fundage to get a new one right now!  Sweet!</p>
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		<item>
		<title>I&#8217;ll Drink to That!</title>
		<link>http://twistedsideways.net/2007/11/08/ill-drink-to-that/</link>
		<comments>http://twistedsideways.net/2007/11/08/ill-drink-to-that/#comments</comments>
		<pubDate>Thu, 08 Nov 2007 18:35:55 +0000</pubDate>
		<dc:creator>Rusty</dc:creator>
				<category><![CDATA[Austin]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Work]]></category>

		<guid isPermaLink="false">http://twistedsideways.net/2007/11/08/ill-drink-to-that/</guid>
		<description><![CDATA[Interesting Article I found at work today.  When gas prices continue to rise, where do our thoughts about this really fall?
Forbes would have us believe that $100 a barrel oil is a good thing, because it will encourage the development of synthetic oil from coal via a process that was too expensive to commercially develop in [...]]]></description>
			<content:encoded><![CDATA[<p>Interesting Article I found at work today.  When gas prices continue to rise, where do our thoughts about this really fall?</p>
<p><a href="http://www.hoovers.com/forbes/--ID__44195--/free-co-factsheet.xhtml"><em>Forbes</em></a> would have us believe that <a href="http://members.forbes.com/forbes/2007/1029/168.html" target="_blank">$100 a barrel oil is a good thing</a>, because it will encourage the development of synthetic oil from coal via a process that was too expensive to commercially develop in a time when crude oil was both abundant and much cheaper. $100 a barrel oil makes synthetic oil produced from coal (such as by <a href="http://www.hoovers.com/sasol/--ID__47910--/free-co-factsheet.xhtml">Sasol</a>) a profitable alternative and a cleaner way to harness America’s <a href="http://www.eia.doe.gov/fuelcoal.html" target="_blank">vast and dirty carbon-rich resource</a>. <a href="http://pist.ca/article.php/1_cheers" target="_blank">Cheers!</a></p>
<p>A rising oil price lifts all rigs. In the late 1990s when, partly due to an economic downturn in Asia, demand for oil was less than supply, oil traded for <a href="http://www.wtrg.com/oil_graphs/oilprice1970.gif" target="_blank">$12-$15 dollars a barrel</a>. During this time you could drive across West Texas (for less than $1.50 a gallon) and see <a href="http://www.kindermorgan.com/news/NF0620OilDaily.pdf" target="_blank">hundreds of idle oil rigs dotting the Permian Basin</a>, seemingly dinosaurs of a bygone oil boom. But they were not the skeletons of a dead industry, merely dormant machines. The oil remained beneath the ground because the cost of operating the rigs for the small amount of oil produced by many of these drilling rigs was prohibitive. But with oil prices moving past $50 and $60 dollars a barrel in the past few months and now heading to $100 a barrel, many of those skeletons have shaken to life and are again producing oil at a profit. Hooray!</p>
<p>$100 a barrel oil encourages not only the small or mature fields with marginal amounts of oil and gas to start pumping again, it also spurs on the producers of unconventional and often difficult oil plays, such as the miners of the vast oil sand deposits of the <a href="http://en.wikipedia.org/wiki/Western_Canadian_Sedimentary_Basin" target="_blank">Western Canadian Sedimentary Basin</a> (such as <a href="http://www.hoovers.com/syncrude/--ID__107209--/free-co-factsheet.xhtml">Syncrude</a> and <a href="http://www.hoovers.com/suncor/--ID__53524--/free-co-factsheet.xhtml">Suncor Energy</a>), the oil firms that focus on shales and tight sands (such as <a href="http://www.hoovers.com/aurora-oil-&amp;-gas/--ID__119848--/free-co-factsheet.xhtml">Aurora Oil &amp; Gas</a> and <a href="http://www.hoovers.com/vermilion-energy-trust/--ID__58283--/free-co-factsheet.xhtml">Vermilion Energy Trust</a>), and the coalbed methane players (such as <a href="http://www.hoovers.com/quest-resource/--ID__118394--/free-co-factsheet.xhtml">Quest Resource</a> and <a href="http://www.hoovers.com/quest-resource/--ID__118394--/free-co-factsheet.xhtml">Windsor Energy Resources</a>). Splendid!</p>
<p><strong><em>What else can we toast?</em></strong></p>
<ul>
<li>Higher gas prices might push <country w:st="on"></country>US automakers to make more efficient engines, to match the <a href="http://www.npr.org/templates/story/story.php?storyId=5448289" target="_blank">CAFE standards</a> of Europe and China. Great!</li>
<li>$100 oil might have consumers banish gas guzzling SUVs to the luxury market and see the resurgence of <a href="http://www.smartusa.com/" target="_blank">smart cars</a>, bicycles, and public transportation. Spiffy!</li>
<li>$100 oil might push governments and private businesses to invest more heavily in <a href="http://en.wikipedia.org/wiki/Alternative_energy" target="_blank">alternative energy development</a> such as wind, solar, and biomass. Happy Days!</li>
</ul>
<p><strong><em>The potential hangover?</em></strong></p>
<p>Lest we get too carried away with our toasts, a sober assessment is needed.</p>
<ul>
<li>$100 oil might mean US car drivers paying more than $5 a gallon at the gas pump. Ouch!</li>
<li>$100 oil could mean US home owners paying really, really <a href="http://www.wcsh6.com/news/article.aspx?storyid=71700" target="_blank">expensive heating oil prices</a> during the winter. Brrrr!</li>
<li>$100 oil will mean that cruel and <a href="http://www.hindu.com/2007/02/09/stories/2007020903481100.htm" target="_blank">despotic regimes</a> the world over that sit on vast oil and gas reserves (such Saudi Arabia, Myanmar, Iran, Russia, and Venezuela) have plenty of money flowing into their coffers, propping up their governments, and making their leaders wealthy. Bummer!</li>
</ul>
<p><strong><em>Conclusion:</em></strong></p>
<p>I’m going to stick with the (drinking) upside. I live in warm <a href="http://www.hoovers.com/city-of-austin,-texas/--ID__159346--/free-co-factsheet.xhtml" title="We Cover Municipalities, Too">Austin</a>, and I walk in my neighborhood. (I’ll leave the tyrants to the <a href="http://www.hoovers.com/us-department-of-state/--ID__129554--/free-co-factsheet.xhtml">State Department</a>). Maybe, just maybe, a sustained period of $100 a barrel oil prices will push us all to be less oil dependent, and more creative and environmentally thoughtful energy consumers. Cheers!</p>
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		<item>
		<title>Car Troubles</title>
		<link>http://twistedsideways.net/2007/08/02/car-troubles/</link>
		<comments>http://twistedsideways.net/2007/08/02/car-troubles/#comments</comments>
		<pubDate>Fri, 03 Aug 2007 05:15:00 +0000</pubDate>
		<dc:creator>Rusty</dc:creator>
				<category><![CDATA[Austin]]></category>
		<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://twistedsideways.net/2007/08/02/car-troubles/</guid>
		<description><![CDATA[Yesterday evening, I was with a friend in my car driving down town showing him a few places around Austin.  Little did I know that the cooling fan in my car had gone out.  After my check gauges light came on and I noticed that the temp was really high, I pulled over in a [...]]]></description>
			<content:encoded><![CDATA[<p>Yesterday evening, I was with a friend in my car driving down town showing him a few places around Austin.  Little did I know that the cooling fan in my car had gone out.  After my check gauges light came on and I noticed that the temp was really high, I pulled over in a gas station.  Once I popped the hood, to my disbelief, I saw the coolant reservoir boiling.  I have never in my life seen such a thing.  It game us a pretty good scare to say the least.  I let the car cool down, got some more coolant and was able to drive it home.  I still need to the fan fixed&#8230; bummer for sure.</p>
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		<title>Difficult Client</title>
		<link>http://twistedsideways.net/2007/08/01/difficult-client/</link>
		<comments>http://twistedsideways.net/2007/08/01/difficult-client/#comments</comments>
		<pubDate>Thu, 02 Aug 2007 05:00:21 +0000</pubDate>
		<dc:creator>Rusty</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Web]]></category>
		<category><![CDATA[Work]]></category>

		<guid isPermaLink="false">http://twistedsideways.net/2007/08/01/difficult-client/</guid>
		<description><![CDATA[Many of you know that I do some freelance work on the side in my &#8220;spare time&#8221; these days.  I recently started working with a new client a few months ago helping them with their branding, identity, and web presence.  My business partner and I have taken countless phone calls and e-mails from this client [...]]]></description>
			<content:encoded><![CDATA[<p>Many of you know that I do some freelance work on the side in my &#8220;spare time&#8221; these days.  I recently started working with a new client a few months ago helping them with their branding, identity, and web presence.  My business partner and I have taken countless phone calls and e-mails from this client and have provided some great work for their business.  Recently however, they have failed to pay us for our work.  We are now sitting at 60 days past due on invoices with demands that are still coming in with no payment in sight.  It&#8217;s been a bit frustrating to say the least. Yesterday, I had to send an e-mail to all of the partners of the company letting them know we were not going to do anything else until they paid us for our work.  Part of their payment includes hosting (which they have gotten for free now for two months), business cards, (which they are using and have in their hands), and domain names (which are pointing to the hosting area).  Luckily, we still own the domain names and have this as some leverage to sell them outright should we not receive payment.</p>
<p>I will say that Hoover&#8217;s online (Dunn and Bradstreet) have some excellent collection services that I have started looking into to get the money that we are due.  Anyone else have difficult clients they have worked with?</p>
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		<item>
		<title>Court is No Fun!</title>
		<link>http://twistedsideways.net/2007/06/12/court-is-no-fun/</link>
		<comments>http://twistedsideways.net/2007/06/12/court-is-no-fun/#comments</comments>
		<pubDate>Tue, 12 Jun 2007 23:30:01 +0000</pubDate>
		<dc:creator>Rusty</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://twistedsideways.net/2007/06/12/court-is-no-fun/</guid>
		<description><![CDATA[I&#8217;m headed to court tomorrow.  Turns out I have known about my expired inspection sticker for sometime now, I just never thought I would get a ticket for it.  Cops were out on the street the past few days specifically looking for people like myself that hadn&#8217;t bothered to renew the thing.  [...]]]></description>
			<content:encoded><![CDATA[<p>I&#8217;m headed to court tomorrow.  Turns out I have known about my expired inspection sticker for sometime now, I just never thought I would get a ticket for it.  Cops were out on the street the past few days specifically looking for people like myself that hadn&#8217;t bothered to renew the thing.  To add fuel to the fire, I didn&#8217;t have a valid proof of insurance on me either.  Good thing I will be able to get most of this dismissed.  It just stinks having to go wait in those lines and take the time to do all of this.</p>
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		<item>
		<title>Where Everybody Knows You By Name</title>
		<link>http://twistedsideways.net/2007/03/04/where-everybody-knows-you-by-name/</link>
		<comments>http://twistedsideways.net/2007/03/04/where-everybody-knows-you-by-name/#comments</comments>
		<pubDate>Sun, 04 Mar 2007 21:33:00 +0000</pubDate>
		<dc:creator>Rusty</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[House]]></category>

		<guid isPermaLink="false">http://twistedsideways.net/2007/03/04/where-everybody-knows-you-by-name/</guid>
		<description><![CDATA[At Home Depot and Lowe&#8217;s that is.  Since taking ownership of this house I have spent more time in Home Depot and Lowe&#8217;s than I ever thought I would.  My friend Dan told me that once I bought the house the guys there would soon know and recognize me.  And man was [...]]]></description>
			<content:encoded><![CDATA[<p>At Home Depot and <span class="blsp-spelling-corrected" id="SPELLING_ERROR_0">Lowe&#8217;s</span> that is.  Since taking ownership of this house I have spent more time in Home Depot and <span class="blsp-spelling-corrected" id="SPELLING_ERROR_1">Lowe&#8217;s</span> than I ever thought I would.  My friend Dan told me that once I bought the house the guys there would soon know and <span class="blsp-spelling-corrected" id="SPELLING_ERROR_2">recognize</span> me.  And man was he not kidding.  I have had one guy follow up with me about a project that I have been working and the lady that filled my order for blinds in the entire house, asked me the other day if I was able to get them all installed and how they looked.</p>
<p>What I find interesting though, is the huge difference between <span class="blsp-spelling-corrected" id="SPELLING_ERROR_3">Lowe&#8217;s</span> and Home Depot.  The customer service is drastically different between the two and so the <span class="blsp-spelling-corrected" id="SPELLING_ERROR_4">cleanliness</span> of the entire place.  I&#8217;m sure those of you that are home owners can attest to the huge difference between the two as well.  But the big question is, do they know you by name?</p>
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		<item>
		<title>New Homeowner</title>
		<link>http://twistedsideways.net/2007/02/01/new-homeowner/</link>
		<comments>http://twistedsideways.net/2007/02/01/new-homeowner/#comments</comments>
		<pubDate>Thu, 01 Feb 2007 16:32:00 +0000</pubDate>
		<dc:creator>Rusty</dc:creator>
				<category><![CDATA[Austin]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[House]]></category>

		<guid isPermaLink="false">http://twistedsideways.net/2007/02/01/new-homeowner/</guid>
		<description><![CDATA[It finally happened!  I closed on my new house yesterday!  And without any big hassles or issues.  A few repairs are still being made and I have a lot of work to do on the house, but I am pretty stoked that I got to close and it all went through.  [...]]]></description>
			<content:encoded><![CDATA[<p>It finally happened!  I closed on my new house yesterday!  And without any big hassles or issues.  A few repairs are still being made and I have a lot of work to do on the house, but I am pretty stoked that I got to close and it all went through.  And now unto the world of being broke for a few months as I try and fix the place up.</p>
<p>I&#8217;ll post pictures soon!</p>
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		<slash:comments>6</slash:comments>
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		<item>
		<title>An ATM for Jesus</title>
		<link>http://twistedsideways.net/2006/10/07/an-atm-for-jesus/</link>
		<comments>http://twistedsideways.net/2006/10/07/an-atm-for-jesus/#comments</comments>
		<pubDate>Sat, 07 Oct 2006 16:05:00 +0000</pubDate>
		<dc:creator>Rusty</dc:creator>
				<category><![CDATA[Church]]></category>
		<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://twistedsideways.net/2006/10/07/an-atm-for-jesus/</guid>
		<description><![CDATA[In a recent article posted in the LA Times, this church has designed ATM kiosks for their congregation. It&#8217;s something new for many churches. And to be honest, our church has wrestled with the idea of online giving, giving by credit card or even check card, for some time now. More specifically, we have wrestled [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://photos1.blogger.com/blogger/3072/1343/1600/atmkiosk.3.jpg"><img style="FLOAT: left; MARGIN: 0px 10px 10px 0px; CURSOR: hand" alt="" src="http://photos1.blogger.com/blogger/3072/1343/320/atmkiosk.1.jpg" border="0" /></a>In a <a href="http://www.latimes.com/news/nationworld/nation/la-na-holyatm28sep28,0,7916395.story?coll=la-home-headlines">recent article </a>posted in the LA Times, <a href="http://www.stevenscreek.net/">this church </a>has designed ATM kiosks for their congregation. It&#8217;s something new for many churches. And to be honest, our church has wrestled with the idea of online giving, giving by credit card or even check card, for some time now. More specifically, we have wrestled with the idea of debt. This article doesn&#8217;t address the idea of people going into debt in order to tithe or give to their church. And if you know anything about the way credit cards and check cards work, the credit acceptance gateways (the systems that vaildate and actually charge your card) don&#8217;t distinguish the difference between the two. So even if we decided to accept check cards only, we have no way of NOT allowing credit cards to be used.</p>
<p>Granted, there are a lot of people that use a check card, like myself, to make many of their purchases. All of which come right out of my checking account. I, like most of the people I know personally, don&#8217;t really carry much cash in their wallets. The article in the LA Times does address the fact that people don&#8217;t carry cash or checks when they come to church, and seeing that 15% of their current operating budget comes from these kiosks, it has been an added benefit.</p>
<p>The church that I attended hosts and leades classes on financial freedom and ways to get out debt. The Bible talks about being debt free and these classes, the Dave Ramsey seminars, help many people learn to use and deal with their finances correctly. Granted, the church is not responsible for making sure everyone handles all of their finances correctly, but are we to encourge those to go into debt or simply provide a means for that to continue? And doesn&#8217;t this cross the line of the money changers in the temple when Jesus overturned the tables?</p>
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		<slash:comments>15</slash:comments>
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		<title>My Financial Issues – iTunes</title>
		<link>http://twistedsideways.net/2005/08/11/my-financial-issues-%e2%80%93-itunes/</link>
		<comments>http://twistedsideways.net/2005/08/11/my-financial-issues-%e2%80%93-itunes/#comments</comments>
		<pubDate>Fri, 12 Aug 2005 01:08:00 +0000</pubDate>
		<dc:creator>Rusty</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Music]]></category>

		<guid isPermaLink="false">http://twistedsideways.net/2005/08/11/my-financial-issues-%e2%80%93-itunes/</guid>
		<description><![CDATA[iTunes has it down to an art! I have spent more money in iTunes than any place I can think of in some time now. You all know what I am talking about. You click on a song, find a groovy tune, and it’s click leads you to another album which is mixed on another [...]]]></description>
			<content:encoded><![CDATA[<p>iTunes has it down to an art! I have spent more money in iTunes than any place I can think of in some time now. You all know what I am talking about. You click on a song, find a groovy tune, and it’s click leads you to another album which is mixed on another which leads you to that artists album that is amazingly linked to another that you have never heard of and it just goes on and on.</p>
<p>They say that instant messaging is the new thing. Well I’ll be if I found myself wasting almost three hours the other night perusing the vaults of iTunes and their trickery. Marketing at it’s best – at least one of the best click-thrus I have seen in quite awhile. Plus when that little invoice shows up in your gmail box you wonder, “Did I really spend all that time and money on these songs” – and it’s not like you can call iTunes and tell them you didn’t buy that one. I had the thought of doing that myself until I in fact realized I had purchased the dance remix of Can’t get enough of Your Love! Which is soon to be playing through the speakers of this power box I call my computer. That is if I am able to break the sound bearer that my roommates seem to hit when we’re watching movies or listening to music.</p>
<p>Really I love it though it reminds me that I don’t live alone.</p>
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