UGLY BETTY IS BEING CANCELED! Giveaway

If you love that show, leave a comment!
I'll pick a winner, who will get a funky and crazy little something that "Betty" would wear!
I'm upset that the show is ending 8 shows from now-
And they film in several locations where I grew up!
They are really cutting it off way too short.

I JUST found Betty again on Hulu this month!
Yes, I often admit that I live under a rock.
I didn't know that they switched from Thursdays to Fridays to Wednesdays!
I was still looking on Thursdays!!!

~*Sighs..*~
ABC- keep BETTY! Or make Betty Movies at least!

College loan debt... personal rant/vent

For those who are not wealthy, before you send your kids to college, be certain that they are the type of kids that CAN and WILL focus on repaying their debts before "affording" luxury items. If kids do not understand what taking out a loan and repaying it takes, keep them clear!

Years of frustration... stress and sleepless nights are NOT worth a college degree if your health slips away before you can even pay off your college debts.

Who wants to be 60 and STILL paying for their BA or MA when in the long run the interest is just CRAZY?

MANY in America are going to be repaying until they die or are so poor that they cannot afford a decent life! Not fair.

College loans are in some ways robbing lives not enhancing. Same for most home loans. Just don't do it!!!

 

On the flip side, many who are not well off, who do go to college on loans and are bright and responsible, who understand the responsibility- I say GO FOR IT! This is just my personal rant in light of circumstances I know about personally.

Under § 523(a)(8) of the Bankruptcy Code, student loans are nondischargeable unless repayment of the loan would impose an undue hardship on the debtor. The burden of establishing undue hardship, by a preponderance of the evidence, is on the debtor. The Code contains no definition of the phrase “undue hardship” and interpretation of the concept has been left to the courts. In this Circuit, the applicable standard is the “totality of the circumstances” test as set forth in Andrews. In applying this approach, the courts are to consider: (1) the debtor’s past, current and reasonably reliable future financial resources; (2) the reasonable necessary living expenses of the debtor and the debtor’s dependents; and (3) and any other relevant facts and circumstances unique to the particular case.

The principal inquiry is to determine whether “the debtor’s reasonable future financial resources will sufficiently cover payment of the student loan debt – while still allowing for a minimal standard of living”; if so, the indebtedness should not be
discharged. Bankruptcy courts are required to analyze a debtor’s student loans, and make a determination of nondischargeability of them, on a loan-by-loan basis. There is no authority in this Circuit for discharging only a portion of a particular loan. – Marie vs Citibank

A OK

Thumbs up!
Feeling less tense today!
(((Holiday gift made for Connie Williams out of a miniature doll arm she sent me. Those are acorns that this pendant is being modeled on)))

my micro art

I was browsing for something on my blog from the past when I found this-
:On A Dime

There is a ton of eye candy on my blog... Take a browse through the archives sometime!
:o)

keeping calm

I've had a lot of grief and sorrow, worry and stress the past few weeks and to keep calm, I doodle.

Here are a few new characters I made up to add to pendants and add to accessories...Designing characters cheers me up!

~*Beau Ideal Arts ~ The Antique Hymnals*~

Taking Beau Ideal Arts for a little New Years spin and have been working on an issue woven around Antique Christian Hymns... Pretty inclusions and lovely words. Sure to warm the hearts of those who read it.

Preview coming soon.

Red swap update

----Red swap update- 5 parcels made it to me in time for the deadline. Mary, Celise, Cris and Lisa. Thank you!
And Kathy had mailed hers to me over a month ago.



January follower drawing coming soon!
Going to be giving away a charm bracelet for this one!!

(((Thanks to Lea Avroch for helping me to fix my computer today.)))