Matchmaking : Creating The Perfect College List

writers:

break up your paragraphs. big paragraphs are scary, your readers will get scared

fuuuuck epithets. “the other man got up” “the taller woman sat down” “the blonde walked away” nahhh. call them by their names or rework the sentence. you can do so much better than this (exception: if the reader doesn’t know the character(s) you’re referring to yet, it’s a-okay to refer to them by an identifying trait)

blunette is not a thing

new speaker, new paragraph. please.

“said” is such a great word. use it. make sweet love to it. but don’t kill it

use “said” more than you use synonyms for it. that way the use of synonyms gets more exciting. getting a sudden description of how a character is saying something (screaming, mumbling, sighing) is more interesting that way.

if your summary says “I suck at summaries” or “story better than summary” you’re turning off the reader, my dude. your summary is supposed to be your hook. you gotta own it, just like you’re gonna own the story they’re about to read

follow long sentences w short ones and short ones w long ones. same goes for paragraphs

your writing is always better than you think it is. you just think it’s bad because the story’s always gonna be predicable to the one who’s writing it

i love u guys keep on trucking

Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma – which is living with the results of other people’s thinking. Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition.

Steve Jobs (via beinchargeofyourlife)

100 Days Of Productivity: Day 4

Mere seconds ago I posted my DAY 3 post due to my productivity lag; I manage to get so much done during the day that I dont have time to write these reflections on the same day!

I am planning to get a head start on the remaining stuff left to do today which only involves going for a run and going to see friends; therefore this is sort of already the end of my productive day. The above picture is from a math lesson which I had today from 08:30 till 10, a lesson I usually spend with my head on the desk, occasionally mumbling a muffled ‘’meh’’ when asked how I’m feeling. Instead of the usual moan and groan morning routine I instead decided to switch up on the lack of sleep and just go with it; it ended up being really cool as I understood almost everything (apart from some things on the paper above, as you can see by the number of lines drawn through things) and felt really motivated. Later that day during triple biology I laso decided to change up my attitude as I had spent yesterday’s lesson sleeping for 1.5 hours and completely missing out on everything that happened during the lesson. I totalled roughly 4 pages of written stuff where I usally give up after the first page and proceed to go on tumblr or do something completely pointless with my time. Once into the late afternoon (now) I can feel the energy and motivation start to dwindle, which is why I am writing this day 4 post on day 4 (a personal first). 

So if anyone ever does read these, thanks for reading and stay posted for more posts relating to CAS or anything productivity related!

Yeah, but instead of signing away your voice for a dude, you’re signing away your your future paychecks for a piece of paper that theoretically qualifies you for said paycheck.

Of course, when you’re drowning in student loan debt, you have absolutely no right to speak up because you took out those loans dammit, and it’s not like credentialism and economic inequality, coupled with rising higher ed costs had anything to do with your choice because reasons and bootstraps. And a crippling recession that has you competing with a whole different class of older, experienced, more educated workers for entry level jobs, well, them’s the breaks, kid. Also, the depressed wages of the bottom 80% of Americans definitely didn’t influence your inability to pay on this debt with a higher interest rate than what the big banks pay for their bailouts. Nope. Not at all.

In a sick way, I suppose you’re signing away your voice in order to place a bet on a rigged roulette wheel overseen by plutocrats drunk on crony capitalism, who, while on an epic bender with the political class, managed to socialize the house’s risk and privatize its profits. Sorry, plebes.

At least the eternity part is 100% correct. Sallie Mae will follow you to the grave. Shit, they’d probably put a lien on your headstone and the plot in which you are buried.

Now Teaching English Online

Hey everyone!!

Now that I have moved back to Canada I will be giving online lessons via verbalplanet. If anyone is looking to better there conversational skills or studying for the Cambridge exam please try a free lesson with me(Ashante C) at:

http://www.verbalplanet.com/publicviewprofile.asp?tr_id=10028741945&lang=ENG&lang2=ENG

*It’s hard to tell which one is me lol I’m the one infront with the converse shoes and backwards cap:)

-IGGY

What's it like to pay $250/week to student loan?

While in theory this is awesome, in actuality it’s not all that easy.

We used to pay the monthly minimum of $420 because that’s what we could afford then. Life situation improved, so we increased the monthly payments to $500. Further life improvements and sacrifices later, it was up to $600.

Then I thought “Why not pay $150/week?”. We made the leap and have been paying weekly since summer of 2013. Two years running now.

Where are we now?

Still in debt! We started getting aggressive and jumped from $150/week to $250/week in September 2014. Some weeks we had more to pay, sometimes as much as $300/week.

As for parting with money, monthly or weekly doesn’t make much of a difference. Paying debt is paying debt. We’re bound to pay the student loan no matter what anyway. We stake no claim in the money owed to the lender though it’s packaged as paycheck–money that should’ve been ours.

But if I stop and ponder on this, it’s overwhelming. No matter the frequency, the amount overwhelms me. All of that hard-earned cash slips from our hands. I’m angry. I’m resentful. It’s not because I could use the money to buy something because I don’t think like that. It’s because a significant number of my youth years is spent on working to pay debt.

What can $250/week do for my family? A lot. It could be used to invest more in retirement, invest more in my kid’s 529 Plan, toward our goal to be landlords, on traveling, on improving our home…I could go on and on. However, the primary reason I’m angry and resentful is because it’s lengthening my work years and shortening my investing life.

I can’t stand catching up. Much as I like the challenge, everyone gets burnt out from constant challenges thrown their way. I’ve been at this for nearly 8 years. It’s time to retire this challenge. I’m exhausted–of working, of being angry and of being resentful.

Don’t get me wrong. I like being productive and I like my job a lot, but I’d want to be in a state of simply enjoying it and the benefits/paychecks that come with it.

I sound like like an ingrate sometimes. Imagine how many people struggle to even make ends meet, much less pay their debts? And what about the students who just graduated with 5- or 6-digit student loans? They’re just about to enter into the world of bondage, and yet we’re nearing the end. The light at the end of the tunnel is getting bigger and brighter. I should be at least happy that we are able to make a minimum of $250/week. Not per month but per week!

So what’s it truly like to part with $250 each week?

It has become a way of life for us, like mortgage, grocery and utilities, but more than that it’s:

like having a bear for a pet that we need to feed a lot.

like owning and driving 2 gas guzzling cars everyday.

like living in the posh side of town paying twice our mortgage and property tax.

like eating out everyday for dinner.

like having 2 infants in daycare for 8 years.

None of the above applies to us. We only have 1 small dog who eats once a day some days. We have a 15-year old car that only costs us $80/mo on gas at most. We have a small house in a not-posh neighborhood. We don’t eat out for dinners weekly even. We only have 1 child who’s in grade school now.

Having and paying debt is living a frugal (or poor, if that’s more applicable) lifestyle for the price of a posh one. It hurts and it sucks.

Our debt is now in the $12k mark. What a long way from the $40-thousands. I’m setting aside investing for the rest of this year to focus entirely on this. I’m giving my final effort to decimate it, so that I can finally focus on investing to shorten my working years and to finally live a frugal lifestyle–not only because we’re forced to but because we want to.

Student Loan Forgiveness

An email I got this morning from the government regarding my student loans:

We recalculated your monthly payment for your Income-Based Repayment (IBR) plan. We used the income documentation […] to determine your monthly payment of $334.66 [….] If you do not recertify or you no longer have a partial financial hardship (PFH), your payment amount will be $641.77.

The power of Income-Based Repayment plans for student loans: I am literally paying half what my monthly payment would be if I didn’t have “income based” forbearance.

The downside of course is that it would take me well over twice the length of time to pay off my loans (given the payment size plus interest), but I am enrolled in Public Service Loan Forgiveness, which means if I am employed with a not-for-profit for another four years, to make ten years total, the balance of my loans, roughly $30K, will be forgiven.

Furthermore, I believe (qualifier: this may no longer be true, I haven’t checked recently) if you are enrolled in IBR and paying based on income, after 25 years your loans will be forgiven regardless of where you work. If you are unemployed, IBR can reduce your loan payments to zero even once you’ve used up your grace period. If you are long-term unemployed, that means in 25 years you will no longer carry student loan debt. 

It’s 25 years of payments instead of 10, but it’s better than no help at all.

If you are in a low-earning job (I make just over $50K per year which in Chicago does not go far), IBR can help you keep your head above water and build savings by not charging you through the nose for your loan repayments. IBR is making it possible for me to afford to buy a home.

If you are employed with a charity, public school, private not-for-profit school, government agency, or other 501( c)(3) organization, you also qualify for Public Service Loan Forgiveness, which means after ten years of payments all of your qualifying loans will be forgiven.

A few years ago I wrote up how to apply for IBR and PSLF here. I just went through and updated all the links; it should be a good primer on the kinds of loans and jobs that the setup involves.

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9th May, 2016 Almost gave up on matrices, but today’s lecture on determinants really gave me hope again ☺️💪🏻👓 Had the most unproductive weekend since the start of semester, but today has been really productive, so maybe I just needed a reboot 😅👍🏻📖✍🏻 Hope your Monday has been a great start to the week as well~