august

FIRE RANT: Haven’t been Sick Over a Year and Love It

One of the few benefits of the covid world order is the fact that I haven’t been sick since January 2019.  Oddly enough, I got sick the following an international flight thru Chicago to Canada for work.  Reportedly, one of the first folks that had covid in US went thru that airport so maybe I had covid when no one knew what it was.  Anyway, the ability to wear a mask anywhere I go, increased use of hand sanitizer, and my kids staying at home for virtual school has benefited my family health wise.  No one in my house has gotten sick and that says something.  Our pedestrian made a joke during the kids last check up that this is the healthiest she’s seen any of our kids because they stayed with earaches and running noses.  I’m dreading the days of no one wearing masks anymore and forgoing gloves because covid is over and budgets tightened.  I don’t want people breathing on my food and serving it to me and I don’t want to get sick ever again!

If I Ruled the World – Prohibit use of the non-credit bureau credit score calculators

So, my back is arched over credit scores so I will unveil another way I would morph that process.  Imagine checking your credit score at the three bureaus and printing out your score on the way to purchase a car.  The report says all your scores are over 700.  However, when you go to the dealership, they run your score and tell you its 650 according to the way they calculate it.  Though you show them your report they only can go off their alternative credit score service.  As a result, you had to pay more for the vehicle because of this unexplainable credit score difference.  Americans shouldn’t have to do endure this situation which is something I experienced in real life.  If I ruled the world, I would prohibit the use of these custom credit score services.  Why does Chase, Credit One, Capital One, and other financial companies feel they have to do their own spin on a consumer’s credit score?  From what I’ve seen the non-big credit bureau places often give a consumer a worse score than the bureaus.  If we don’t know how the big bureaus formulate scores, we aren’t trying to figure out how Chase bank makes their ragging score.  In the interest of less confusion, I would prohibit the use of relying on any credit bureau score outside of the Transunion, Experian, and Equifax.

FIRE RANT: Using Cash and Change During Pandemic

I must admit that one of thing that irritates me in present day is the way there is still a fair amount of people that like to use cash and change to pay for things during a pandemic.  Could maybe understand older people being the main culprit of this.  However, my experience is that people of all age groups are still whipping out cash and coins to pay for stuff.  These customers are holding up lines and spreading germs unnecessarily.  I feel that if you want to use cash or change do self-checkout where you can merely feed the money to a machine.  You might ask what about folks passing money and food back and forth at sporting event?  Well, I haven’t been to sporting event during the pandemic. I would be disappointed to learn that folks are passing their popcorn, cotton candy, or hotdog across the faces and between the hands of strangers with covid still out there.  If I had to bet, I would be comfortable saying that’s exactly how they still do it.  The smart thing to do would be to only be able to buy you food at concession stands to limit human touch.  We got to stop thinking of every at-risk action we can do to pass germs to folks.

If I Ruled the World – Transparency with Credit Score Formula Calculations

If I Ruled the World, I would order transparency with the calculation of credit score formulas.  It’s really shameful that credit scores affect a decent portion of our lives, yet we don’t seem to have clarity of how they exactly work.  Yes, we know paying your bills on time, not spending too much of your credit, and keeping your inquiries low helps your score.  At the same time, its also true that we feel the need to have 3 different credit bureaus tabulating our score and the scores aren’t the same!  Just like my taxes or anything else I should be able to make an excel spreadsheet formula that tells me if I have 80% of my debt versus 100% paid off what will happen.  Currently, this is not possible.  Folks should be able to understand how their score is calculated with each agency and understand why their score differs between agencies.  I immediately would rule all agencies to provide a simple plug and play template where a person with a high school could figure their credit score!

FIRE RANT: 2 Country Rule in Olympics Gymnastics

I know the Olympics are over, but I will take this time to jump on top of a football pile after the whistle.  The Olympics two country rule in gymnastics is dumb and not in the best interest of competition.  The rule essentially says that a country can have gymnasts with the top 3 scores in qualifying event yet only select two of the individuals.  We complain about the younger generations being spoiled, lazy, and getting participatory trophies for simply showing up to practice.  Yet, we have poorly constructed rules like this that don’t reward the best of the best at the highest level.  It’s disappointing and wrong.  If a country sucks at gymnastics I don’t want to seem them competing in the final.   If that means that USA doesn’t have a representative that’s our fault!  Get better!  In fact, when you look at how dominant Simone Biles has been, Americans have probably retired from the sport due to felling she would get 1 of 2 the spots automatically.  Therefore, cutting their slim chances of making an Olympic gymnastics team in half.  It doesn’t appear that track & field, swimming, and a lot of other sports have this rule.  Now I don’t think it should be set up so that the top 8 individual final competitors can be from same country.  I do think the country rule should be expanded to 3 to match the number of medals on the line.  Again, if your country isn’t good enough to qualify that’s your problem.

If I Ruled the World – Community Service for Police Officers

Part of the strained relationship with law enforcement and private citizens is that in general people fear the police.  While the average white American doesn’t feel for their life when they see the police they likely aren’t at ease when they see the police on the highway while driving.  For example, if you are walking in the street in the police start walking toward you or ask to speak to you, your blood pressure probably goes up.  If the police showed up to your job randomly, everyone would be trying to figure out what they are there for.  If you are a minority the relationship is even more complicated because you fear the police and the police to some extent fear you.  I’ve personally have been profiled by police on my university campus the same day I was going to do a ride along to break down barriers with law enforcement!  I’ve also been given breaks on tickets by police on several occasions.  But in general, when I see a policeman wave and smile at me one time while they were driving, I turned around to see who they were waving at.  I think if police were required to do regular community service in the neighborhoods, they patrolled that could ease tensions and reduce stereotypes on both sides. I’m not talking about annual pancake breakfasts and bicycle giveaways at the police station.  I’m talking about cooks out at the park, joining the park district sports leagues, block parties, and marathons thru the city.  Neighborhood cleanups in all areas of the city not just the nice parts of town.  Street pick up games with citizens.  Yeah, some folks may not be excited about forced community involvement, but I think that once folks start getting involved general connections and relationships would be formed by let’s say 100 hours of community involvement a year with a minimum of 25 hours per quarter.  Can’t get new results without making changes.

Life Squat 09.05.20

Each week I will send a list of articles that I’ve come across online that are worth sharing covering various areas of life.  Be great and do great things.  Feel free to send me articles, books, etc. to share with the world.

FINANCES

5 Ways to Build Your Own Stimulus Check

     Screw Congress, they don’t care about our suffering. #TeamDIY

LIFE

What is Debt Consolidation and What are your Options? 

    I toyed with doing this but ultimately decided against it.  Maybe you made decide different.

PROFESSIONAL

Its Time to Reconsider the 9 to 5 Work Schedule  

     Interesting title but probably isn’t feasible.    

HEALTH

Calcium and Bone Health  

     Who doesn’t want healthy bones?    

JIMME’S CHOICE

The 11 Biggest Unanswered Questions About Dark Matter? 

     Thought this was maybe just a Marvel thing but maybe not now.

QUOTES

I am the alpha and omega, the beginning and the end.

FAVORITE SONG

Benee – Supalonely

Word of Week: Filibuster

Increasing one’s vocabulary is a way to expand your mind and articulate your thoughts in new ways.  Below is the word of the week for the week of 08/31/20.

Filibuster: adjective: [fĭl′ə-bŭs′tər]: The obstructing or delaying of legislative action, especially by prolonged speechmaking.

Example:  When a senator wants to stop the majority party from passing legislation he or she will execute a filibuster to squash the legislation. #wordsmith #wordofweek

ACCOUNTABILITY MONDAY – Past Several Weeks

I set 4 goals for myself the week of 08/10/20 and to be transparent I’ve posted what they were. The red “x” indicates which ones I actually completed. I executed 3/4 of the goals.  Due to traveling for work I haven’t spent time setting up new goals.  So essentially this is what I’ve covered the past few weeks.  I didn’t do cardio 5 days a week.  I did read 20 minutes a day.  I found a new USA t-shirt manufacturer and placed an initial order for one of my t-shirt designs this past week.  Lastly, I hired a gentlemen to develop my Fantasy Block app.  It should be done within the next month.

Bizzy Jimme

TONE SETTING SUNDAY – Week of 08/31/20

I challenge you all to make at least 4 non-routine goals for the upcoming week and reference them daily. Use them to guide your actions when you have free time. You complete your weekly goals then you don’t have to feel guilty about relaxing. These are my goals for the week of 08/31/20.⁠

I will test the audio quality on my U-Prayer podcasts.  The links in my book will be updated as well as the keywords for search engines.  I will reduce the music storage on my phone by 20%.  An outline will be created for my “self control” discussion and I will record it the session.  A mock up of the U-Prayer app will developed.  Lastly, I will research examples of app landing pages and create mock ups for the Fantasy Block app.

Bizzy Jimme