Payday loan troubles

paydayloantrap

In 2011 I did something stupid. I took out a payday loan for $750 but I have since lost all the paperwork so I have proof of nothing. I was living with my MN ex at the time and he was the one to convince me to take out the payday loan. We were desperate at the time and he had me believing this was a smart thing to do. It wasn’t. Now it’s me stuck holding the bag.

I was never able to pay the loan back and all kinds of interest I didn’t understand was being tacked onto my debit card. I had to cancel the card to keep mysterious charges from continuing to be deducted from my bank account.

Someone called this morning threatening me with a civil suit. She wasn’t very nice about it. I wasn’t sure what to say. Stupidly I admitted it was me when she asked. I’m not good at thinking when I’m under duress, especially when I’m under duress and suffering from The Martian Death Flu.

This operation has been calling and harassing me for years and has even called my place of work (they no longer know where I work since I changed jobs). I know they probably won’t actually do anything but I still worry about it and don’t know what my legal rights are or if I need a lawyer (which I cannot afford). Should I just ignore these calls? Maybe I can settle with them for the $750 after I get my tax return but I have no proof anymore that was the amount I borrowed. I’m not sure what I should do but it’s causing me stress I really don’t need.

Never, ever mess with payday loans, especially the kind you obtain online.

10 reasons why Facebook drives me insane.

dislike_facebook

I don’t like Facebook. Here’s the reasons why.

1. EVERYONE is on there. I mean EVERYONE. And they WILL find you.

2. It’s the new Big Brother. Potential employers and actual employers use FB to check up on you. You can be fired or rejected for a job for “liking” the wrong thing or posting the wrong photo or meme. Make no mistake. You are being watched.

3. The layout is confusing, cluttered and not attractive.

4. Way too many notifications about dumb things you don’t care about and invitations to “like” commercial products and suggestions of who to “friend.” Okay, well all social media has that. Still, it’s more annoying on Facebook.

5. Too many people posting selfies and photos of themselves with all their friends partying and having fun all the time. Or photos of their renovated house or their Caribbean vacation or their ugly new baby. It’s a narcissist’s wet dream.

6. This breeds envy in people who see those photos. You always wind up comparing yourself to others and you always seem to come up short.

7. Too many games and “gifts” from games you don’t play appearing on your wall. Although I’ll confess in around 2007-8 when Facebook was new and seemed cool, I got addicted to Cafe World and Farmville. Those games were fun, I won’t lie.

8. Overrated.

9. Too many people from my RL trying to get me to “friend” them.

10. You can’t choose your own theme or change the look of your profile much. Even Twitter allows more creativity than Facebook. Not that I think we should go back to the days of MySpace with its jarring profiles of neon green on shocking pink backgrounds with their glittering Blingies, flashing signs, badly sized photos that took a year to load, and other digital doodads that slowed your system down to a crawl and sometimes made it crash.

Mainly, I like to keep my online life separate from my personal life, and Facebook doesn’t make that easy because EVERY PERSON IN THE FREAKING WORLD IS ON THERE and THEY WILL FIND YOU. Yep, all 7 billion human beings on this planet. They’re all there. Waiting. Watching.

I’ll check my Facebook sometimes but I hesitate to post anything there. I never, EVER share this blog on my own profile. I wouldn’t dare. And once I’ve checked whatever I’m looking for, I sign out ASAP. Facebook is scary.

Maybe that’s what Hell is. After you die, you go into the Matrix and find yourself trapped in Facebook for all eternity.

I’m frustrated.

For old times’ sake–

This article was my first big “win” after I started this blog. I only had this blog for 8 days at the time I wrote this post. I’m not the world’s most patient person, and was frustrated and discouraged because my blog had no visibility and I only had 12 followers, and no likes or comments to speak of. It was so disheartening to work on a post all night, and in the morning I’d find nothing but crickets and tumbleweeds under the post. So I wrote this whiny little rant.

OM (Opinionated Man, for those of you who might not know him by his famous initials) , decided to help me out and reblog it. Because OM is hugely popular with an enormous following (51,000 followers last I saw) , I was overloaded with views, comments, likes and new followers that day. It kept me so busy all weekend I practically got nothing else done!
After this happened, there was no stopping me. I was hooked.

I have also worked very, very hard to get this blog to where it is now. At first I had to force myself to write and sometimes it was a chore. But I kept at it, and soon it wasn’t work anymore it was play. November’s Nano Poblano challenge helped a lot. But even by then I was writing 2-3 posts a day. Now I average 4-5!

Other people do the work of getting it out there for me by sharing it on social media, even if you don’t like social media yourself. Making sure to have all available social media buttons under each post is essential for that. People probably won’t bother “sharing” your post it those buttons aren’t there.

Then there is the matter of connecting with the right people, or having the right people discover your blog and promote it. Sam Vaknin has a lot to do with this blog’s growing success, but I didn’t recruit him for that task. I just lucked out by writing one well timed article about him he happened to like (if you can call a mutually beneficial arrangement with a malignant narcissist/borderline psychopath a lucky thing). Now he’s here all the time and reads everything, even if he doesn’t comment (I can tell by how many views per day are from Macedonia).

Connecting with other bloggers, especially popular ones, helps a lot too. Fivehundredpoundpeep at Blogspot has me on her blogroll now that we’ve become friends and her blog is pretty popular so I get a lot “referrees” from there. This blog also appears on Narcwriters at Blogspot and people come here from there too. The stats give so much information it’s mindboggling.

Everything else just has to do with hard work and writing as much as you can. If I don’t feel like writing (because sometimes I don’t) I still will post something short or cute, a video or a photo. I also make every effort to answer all my comments. Even if a blog has the best written articles outside of Pulitzer Prize winners, if an admin ignores comments (or doesn’t allow comments, which is something I will never understand), that makes visitors feel ignored and eventually they will get bored and go away. No one wants to be ignored.
Lively discussions are the key to any successful blog.

If you told me in September this blog would have grown as much as it has in this amount of time (I even qualify to run ads on the site now due to a sufficient amount of traffic) I would have laughed in your face and called you deluded.

Now the sky’s the limit.

luckyotter's avatarLucky Otters Haven

frustrated

I started my blog a week ago as a form of self therapy and didn’t care if anyone read my stuff. Or didn’t think I cared. But I admit it: I do.

I read a lot of other blogs here at WordPress and some of them have thousands of followers and hundreds of comments for each post. Of course I realize most of these people have been at WordPress for a long time, and naturally those people will have more followers and comments than a newbie. Some of them may be professional bloggers who have paid for SEO and know all sorts of tricks I don’t to increase the numbers of hits they get.

But all that said, I still find it frustrating and disheartening when I spend hours writing a post and then another hour or so editing and trying to make it look great, only to come back…

View original post 425 more words

Shame on you, WordPress.

oldnun

I am getting so tired of the automatic default to the “new” stats page, which I hate. I don’t think it’s better than the old one, and is in fact much worse. The graphs are unattractive and don’t show visitor/view comparisons. The layout is unattractive and makes you have to keep scrolling to see all the stats, especially if you’re trying to do it from a Smartphone, the way I sometimes do during the day when I’m not at the computer. The old stats page was easy to read, seemed to give more detailed information, and didn’t require constant scrolling to see the stat you want.

I always click on “see the old stats page” but sometimes before it lets me do so, I have to answer a survey asking why I prefer the old stats page. I find that very annoying. I can’t believe anyone would like the new stats page better. Aren’t enough people complaining about the new stats page that WordPress will scrap it and go back to the old stats page, which is so much better?

Does anyone actually like the new stats page, and if so, why?

WordPress, PLEASE get rid of the new stats page. “New Coke” didn’t go over well either.

Meh.

eeyore

Meh. Today wasn’t a very good day. Low activity on this blog today and I got absolutely nothing done. I started to read but only got through about 2 pages and then fell asleep. Then I just slept most of the day and didn’t even go outside even though it was beautiful and sunny out. Now I have too many things to do tomorrow. Then back to work on Monday. Ugh.

I didn’t even post much on this blog today. Just one article, but I don’t think it’s one of my better ones.

I got called out by another blogger for an article I wrote in November where apparently I gave some misinformation about MPD (not NPD). I could have argued with this blogger (who suffers from that disorder) to keep it up by updating my outdated information (MPD is now called DID–Dissociative Identity Disorder in the most current DSM) and correcting the misinformation, but the blogger told me I also insulted all people with DID by saying their personalities were “fragmented” instead of calling them “alters.”

It seems like I’m inadvertently insulting a lot of people lately. What’s up with that? I hate insulting anyone.

In spite of pointing out my Disclaimer and explaining my blog focused on NPD and to a lesser extent on other mental disorders and conditions, this blogger snarkily questioned me about what made me qualified to even write about NPD since I didn’t suffer from the condition myself? (I guess my Disclaimer wasn’t enough). So I just deleted the whole thing. Like the one I wrote today, that one wasn’t one of my best articles anyway. (I checked and this is a legitimate blogger, not a particular other person whose recent anger at me might cause them to want to troll my site or sneak attack, even though they apologized. I’m always so damned hypervigilant).

I’m inexplicably depressed. When I’m depressed I just lie around doing nothing at all. And sleep a lot. And there’s no food in the house because I’m too lazy to go out and get any. I wonder if there’s a can of soup or some eggs or something.

I did get my W2 today though, but every year I worry that I won’t get a refund or have to owe, even though that’s patently ridiculous since I make next to nothing.

Sickie

sick

My face is melting and my throat is full of sand. My eyes are gross and gummy. My hair is lank and greasy and my nose is raw as sushi. I’m hacking up unspeakable things.

Oh, wait, I feel a sneeze coming on. Ahhhhh—

Dammit! It’s one of those infuriating swallowed sneezes, you know, when you feel like you have to sneeze but it doesn’t come–or maybe your nose just emits a mouselike squeak . Non-sneezes must be one of God’s little practical jokes.

So, what was I talking about?

Oh, right. My danged cold.

I still had to work today (otherwise I lose my Christmas holiday pay) but I felt like I was dragging around a 100 pound weight as I moved around today, sniffling and sneezing and spewing my germs everywhere like Typhoid Mary. I took Dayquil to cope with the symptoms, but still felt horrible, and sleepy on the way home in the car from the medicine. (By the way, Dayquil will make you groggy, so drive with caution if you must).

I drank about a gallon of orange juice and popped vitamin C like a crackhead pops rocks, but all it does is make my bladder work overtime making bright orange urine, which I guess is the point since all that peeing is supposed to rid your body of the illness. Eventually. I’ve been eating so much canned chicken noodle soup I think I might lay an egg if I eat too much more.

In the meantime I have no choice but to power through this. Thankfully, day after tomorrow I’ll have a nice 4 day long weekend to relax and get better. I’ll be cooking my incredible (yes, I don’t mind saying so) spinach and meat lasagna at Paul’s house and my daughter will be home. I’ll also be baking a red velvet cake (with buttercream icing, not cream cheese, which I hate).
All my Christmas shopping is finally done and I’m anticipating a small but lovely Christmas dinner. I’ll still be glad when all this holiday business is over for another year.

As I sit here sipping my peppermint tea with honey, I’m dreaming of spring.

earlyspring

Once the stores start putting up the Valentines day merchandise (which happens the minute Christmas is over), I start to see spring on the horizon. Here in North Carolina (with the exception of last year, which was exceptionally cold for this part of the country), by the end of February it starts to warm up a bit and even a few of the trees begin to take on a pale green tinge. (Has anyone ever noticed, even before the green begins to show, in the very early spring the trees have a diluted form of the same colors they do in the fall?)

The days are already getting longer by one minute a day. By the end of January, it will be noticeable. Ah, spring. I can’t wait for you. I love you. I wish I could hibernate until then.

I hate everything about winter. The dark. The cold. The gloominess. The damned SNOW. But most of all I hate colds and flu. It’s getting late. Guess it’s time to take some Nyquil and rest my body for one more day of work until the long weekend.

But before I do that, I think I’ll take another eucalyptus bath and light my Silver Birch Yankee candle.

I’m ready for this day to be over.

annoyedcat

1. I’m getting sick. I’m feverish and achey and coughing. I hope it’s not the flu. Or Ebola.

2. I got screamed at today by my boss for a really stupid reason.

3. I got a phone call from my neighbor this morning that the power company truck was here to shut off my power. I paid my bill in full on the 17th. Turns out it was a mistake–it was someone else who’s power was supposed to be shut off. But I had to spend all day between jobs on the phone trying to straighten everything out. The power was on when I got home and my roommate said it was never shut off at all.

4. The Paul/Michael saga continues. Just as I expected, Paul now knows what a malignant piece of shit my ex is. I talked to him again last night for along time, and he agrees with me now that Michael is a thoroughly evil d-bag. Since Paul told him to move out, Michael’s been hacking into Paul’s Facebook account and posting messages on his wall that make him look bad. Paul has kids in Florida and wants custody of them, and Michael is doing this to sabotage him because he knows Child Services checks Facebook now. He’s doing other sneaky things too and Paul doesn’t trust him.

This almost made me laugh: Michael told Paul he was doing HIM a favor when he moved in. He actually said, “I LET you have me stay here.” LMAO!

But I’m worried about Paul. I haven’t heard from him all day.

For awhile I thought Michael had called the power company and asked my power to be shut off because he knows Paul and I talk. But actually it wasn’t that. I wouldn’t put something like that past him though. He’s incredibly spiteful.

I’m worried that when Molly gets out in 2 days she might be mad that Paul kicked out her father. She needs to go No Contact with him but I know she won’t. Michael told all her friends Paul is “too controlling.” On Facebook.

I don’t know if I’ll post anything else tonight. I’m sick and tired. I don’t feel like writing much. I might later.

I did just get a text from Paul a second ago. He’s driving Michael into downtown tomorrow. At least there’s one worry I can check off my list.

One good thing. My stats are still up. I know why too. Haha.

The “War on Christmas”? Bah humbug.

waronchristmas

Certain Christians who celebrate Christmas (not all Christians do) have lately been bellyaching via blogs, bumper stickers, and various memes that there is a “war on Christmas” going on. Even some conservative Christian politicians have been bloviating about this alleged “war on Christmas.” Where are the tiny violins?

I find it all a bit mystifying because if anything Christmas is more in your face today than it ever was before. The holiday season used to start the day after Thanksgiving; now it starts the day after Halloween, and even Thanksgiving has been insidiously taken over by a day celebrating the spirit of greed called “Black Friday”–which now has edged into “Black Thursday,” meaning many stores are now open on Thanksgiving so people can stock up on cheap TVs and other appliances to give their holiday shopping a head start.

You can’t get away from Christmas. Everywhere you turn, it’s buy this, buy that; give this, give that; host a big holiday bash or else; and you’re either a Scrooge or a sucky parent/lover/friend/employee if you don’t blindly obey these messages that are blasted into our ears 24/7 for an entire month or more.

If you don’t have the funds to give extravagant gifts or host lavish parties and holiday dinners with all the trimmings or the time or desire to decorate a 10 foot Christmas tree and bedeck your entire house with exterior lights, you are made to feel defective–and Scroogelike. And it’s getting worse and more in your face every year.

So Christmas itself is having no problems. I don’t see any war against it going on.

christmascartoon

I think what the “war on Christmas” actually refers to is cards, banners, signs, and greetings that say “Happy Holidays” or “Seasons Greetings” instead of the more Christian-centric “Merry Christmas.” Those who complain about the war on Christmas are objecting to the political correctness of those attempting to be all-inclusive–because after all, America is a melting-pot nation that includes Jews, Muslims, atheists and people of other faiths besides Christianity. “Seasons Greetings” is convenient and covers at least the Jews who celebrate Hanukkah and African Americans who celebrate Kwanzaa (who probably also celebrate Christmas). In fact, I know a lot of Jews who celebrate both Hanukkah AND Christmas. Christmas has become more of an American holiday than a religious one–and a handy excuse for Big Business to rake in big bucks.

“Seasons Greetings” has been on Christmas cards for as long as I can remember (and I’ve been around quite a while), but it didn’t seem to me that anyone minded that until the past 10-20 years or so. Personally, I think it’s petty and stupid to make such a big deal about it. “Seasons Greetings” or “Happy Holiday” doesn’t exclude Christians, but for some reason certain Christians think that such a greeting is a sign of hostility against them or Christmas itself. I think there are far more important things for them to be worrying about besides the printed message on a holiday oops Christmas card that will probably be tossed in the trash the week after New Years’ anyway.

Here’s a news flash: There is no “War on Christmas.” It’s all in your head.

Take your office Christmas party and shove it.

officeparty
Get out of my face with your absurd fake smiles and stupid Santa hats.

So tomorrow night is the annual office Christmas party. I will not be attending. It’s not like I have some high level job where my presence is expected or necessary anyway. I doubt anyone will even notice my absence or care.

As an Aspie, I have never been able to tolerate the forced upbeat perkiness and all the small talk and chit chat about nothing in particular that abounds at these events. Too much social input coming in from all directions overwhelms my oddly wired brain, causing it to short circuit. I wind up in a state of near panic and to compensate, I become mute to avoid reading a social cue wrong and say something out of context that causes people to look at each other knowingly and roll their eyes at my social ineptness.

I feel like the old Saturday Night Live character Unfrozen Caveman Lawyer, whose mantra was “your world frightens and confuses me.” The world of neurotypicals, a world of people who love to socialize in groups, attend parties and engage in small talk, has that effect on me.

yourworld

Whenever I’ve attended one of these things, I leave as exhausted as if I just spent the day digging holes in dry packed mud. Because I’m nearly silent at these events, people don’t even attempt to talk to me. More often that not, I wind up sitting there at the table alone, picking at my plate of stuffed mushrooms and baby carrots, feeling as self conscious and awkward as the school geek in a roomful of popular kids, because I can find no one to talk to and apparently no one really wants to talk to me either.

Small talk is utterly boring to me. Aspies tend to like “deep” talk, but I learned that serious, in depth conversations about things that matter is verboten at parties, especially office parties, where you are forced to spend an evening acting like people you probably wouldn’t give the time of day to if you didn’t have to work with them are your best friends. It’s all so fake and stupid to me.

I don’t get jokes a lot of the time, especially if they’re inside jokes that, because I don’t have close friends at work and am not part of a clique, I haven’t been filled in on the background that makes these jokes funny to others. It’s hard to laugh at a joke you don’t get. But you must laugh anyway so people don’t think you’re cold and unfriendly or worse, didn’t get the joke, which implies stupidity. But telling jokes is de rigeur for office Christmas parties.

The other thing that drives me crazy is everyone talking about their upcoming holiday plans. Most neurotypicals have lots of friends and love to talk about the gifts they are buying and the parties and other events they will be attending with those friends. Most people also have loving families and nearby relatives and all the talk about what toys they are buying little Isabella and Caleb at Sam’s Club makes me want to stick hot pins in my eyes. Being a person with hardly any money to buy gifts for anyone in a world that seems full of people who are living in two income households and have disposable income to throw around drives me mad too.

The only way I could cope with this type of an event would be if I had a few drinks ahead of time, but that wouldn’t be worth it either and besides, I’d still have to drive. I don’t really need a DWI on top of all the other shit I’m dealing with.

I’m no Scrooge, but you can keep your office Christmas party. I have better things to do, like socialize with my cats who don’t give a damn how awkward I am, or write more blogs posts.

People treat me like I’m stupid

stupid

I wonder if it’s common for people with Aspergers or high functioning autism to come across to others as lacking basic intelligence.

I get that from people all the time and I hate it. In social situations, such as at work, where I have to interact with neurotypicals (NTs) who I don’t know too well, I’ve noticed people patronize me, they repeat things to me as if I didn’t understand them the first time, or just respond to me in a condescending way, as if they’re talking to a two year old. I am paranoid but I don’t think it’s my paranoia because they don’t act that way to everyone

I think people’s behavior toward me is because as an Aspie, it’s so difficult for me to process the things people tell me in a normal way, especially when I’m forced to deal with people in a group setting. I am also almost silent due to my shyness and unwillingness to get involved in social conversation. That probably makes me seem a little dim too.

I don’t hear that well either (I have only 20% hearing in my left ear due to having severe ear infections as a child), so that makes it even harder for me to understand what people say. I often have to ask them to repeat what they just said, which irritates both me and others. I’ve told people I have bad hearing, because being asked to repeat something annoys people less if they know there is something wrong with my hearing.

I find social chatter and small talk overwhelming and it’s not fun for me at all. It’s a lot of work for me to process all that. Of course there are some people who just intimidate me anyway (probably narcs) and I totally clam up around them and act really stupid and inappropriate when I’m forced to talk to them or ask them a question. Socializing is just so difficult! NT’s love it. I don’t.

It makes me so angry that I’m treated as if I’m a mental lightweight by people who know very little about me. I so want to say this to people who talk down to me or ask me the infuriating, “Did you get that?” :

“Look, you don’t have to act so condescending toward me. I’m not an idiot. I understand what you say. I understand a lot. I may look stupid to you because I have Aspergers, and that makes it almost impossible for me to process verbal communication and body language very well or deal with people in a group, or know how to act when you’re yammering at me. I also have Avoidant Personality Disorder, which exacerbates my discomfort in social situations. I get very anxious. But I want you to know I’m actually very smart, probably smarter than you. My IQ is above 150 but I know you probably think I’m lying. If you could see the way I write, you would be shocked at how intelligent and insightful I am. I see a lot of what goes on, I notice everything, I know a lot about a lot of things. I just don’t know how to communicate that well except in writing, or react appropriately when you tell me something. So please stop thinking I’m borderline retarded, because I am not.”

Of course I’ll never say this. But I wish I could!

Having Aspergers and Avoidant personality disorder combined with only partial hearing really is a handicap to dealing with the NT (neurotypical) world.

People who love me and know me well, and people who read what I write know I am not stupid.

Besides, Einstein had Aspergers too, and all his teachers thought he was retarded! 😀