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This Life Analysis



Author: poem of William Stafford Type: poem Views: 13

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      With Kit, Age 7, at the Beach





We would climb the highest dune,

from there to gaze and come down:

the ocean was performing;

we contributed our climb.



Waves leapfrogged and came

straight out of the storm.

What should our gaze mean?

Kit waited for me to decide.



Standing on such a hill,

what would you tell your child?

That was an absolute vista.

Those waves raced far, and cold.



"How far could you swim, Daddy,

in such a storm?"

"As far as was needed," I said,

and as I talked, I swam.






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Thanks for sharing. Time does seem to go by fatesr as I get older and it is important to remember to take the time to invest in peoples lives, to stop when you are busy because people are more important then the busyness of life. That's great you will get to meet your sponsor child. x x

| Posted on 2013-11-16 | by a guest


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You cannot brorow your way out of debt.If you brorow money to pay bills, you still owe the money except now you owe it to someone who is charging you interest. Given a bad credit rating, you're likely to pay even more in loan interest than what you're paying on the outstanding debts.And on top of it, the bills keep coming. You'll have bills AND a debt for old bills, so you'll be headed down the drain even faster.Forget about your credit score. It's bad and you're not going to get it fixed anytime soon.You've got to stop the bleeding.Dave Ramsey says start with the little debts and get up some momentum by paying those off as quickly as possible. To do that, cut back on all of your optional expenses: no beer, no smokes, never eat out, quit buying clothes/games/toys. And sell whatever you can, then put every penny toward paying off debts. Get a second job; again every penny goes to paying down debt.When you have a little money freed up, sign up for a Dave Ramsey Financial Peace University class. They're held at churches, are very reasonably priced, and you will learn valuable skills to get out of debt and stay out of debt.

| Posted on 2013-11-15 | by a guest


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Do you know Italo Calvino's book, The Baron in Trees? It's about a baron (surprise here) who decides to live atop trees in the days when Italy was still motlsy covered by forests... Calvino is my favourite writer and his images are always present in my memory.Although I've never heard of this wonderful woman, I won't ever forget her now. How Brave. x x

| Posted on 2013-11-13 | by a guest


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Ace:No, Stafford loans are not based on income or ceirdt. That's why the Stafford lending program is such an important part of the financial aid system, and why so many students rely on them.To become eligible for a Stafford loan, all you need to do is complete the Free Application for Federal Student Aid, better known as the FAFSA. You will only be denied a Stafford loan if:You are not a regular student (as opposed to conditionally enrolled)You are not working on a degree or certification granted by your schoolYour school is not a participant in the federal student aid programYou are not a US citizen, or eligible non-citizenYou are in default on a previous federal student aid loanYou owe an overpayment on previous federal student aidYou were convicted of certain drug offenses that occurred while you were receiving federal student aid.If none of those things apply to you, you will automatically be offered an opportunity to borrow from the Stafford lending program. The catch is that the Stafford program has annual borrowing limits.A financial aid dependent freshman can borrow a maximum of $5500 for the entire academic year. Sophomores can borrow $6500, and juniors and seniors can borrow up to $7500.The Stafford loan has THE lowest interest rate of any educational loan (other than the Perkins, which is only offered to the neediest of financial aid applicants). You'll pay a 6.8% fixed rate for the entire life of the loan and you'll have 10 years to repay. The repayment obligation does not begin until 6 months after you leave school.The Stafford application asks no questions about your income, your debts or your ceirdt history, and the loan is entirely in your name. There are no questions about your parents, and you will never be asked for a cosigner.The government offers another lending program that complements the Stafford, the PLUS loan program, but that program is only available to the parents of undergraduates. If your parents are looking for a way to help you with the costs of school, they can borrow up to the full cost of your attendance with a PLUS loan. The PLUS program is different in that it IS a ceirdt-and-income loan your parents' application would be subjected to traditional lending analysis, to determine whether they qualify for the loan.If the Stafford (and possibly the PLUS) is not going to solve your financial need, you have a significant problem. The only other type of loan is the so-called private or alternative loan educational loans that are offered by banks outside of the government's programs. First of all, these loans are almost always far more expensive, with higher interest rates and higher fees, second of all, these loans are all ceirdt-and-income loans, which are only approved for applicants who can satisfy the bank's conservative lending criteria, and finally, there are a small handful of banks that are still making this kind of loan at the present time. If you go to Chase or Citi or Wells Fargo, it is nearly 100% likely that you will be required to provide a cosigner if you are going to be approved for a private educational loan.I hope this information helped you good luck!

| Posted on 2013-11-11 | by a guest


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Hi Liz, It was great sharing with you today! Here's a gift from me to you my fairtvoe Rilke poem:I beg you to have patience with everything unresolved in your heart and try to love the questions themselves as if they were locked rooms or books written in a very foreign language. Don't search for the answers, which could not be given you now, because you would not be able to live them. And the point is, to live everything. Live the questions now. Perhaps then, someday far in the future, you will gradually, without ever noticing it, live your way into the answer Rainer Maria Rilke

| Posted on 2013-11-10 | by a guest




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