Category Archives: Personal Style

The High Cost of Money

Before borrowing money from a friend, decide which you need more.

In The Merchant of Venice Shakespeare explores the dangers of borrowing money, and in Hamlet, Shakespeare says; ‘neither a borrower nor a lender be…..’  And, especially think twice, and twice again before borrowing money from a friend.  Think about what you need the most ~ the friendship or the money, for money is often the cause of acrimony and breakups of even the closest of relationships.  Your friend may not charge you financial interest on the sums you borrow, but there are likely to be charges and obligations other than strictly monetary.

In order of the least to most desirable lenders from whom you could think of approaching are;

  • Friends and lovers.  Borrow from a friend and be prepared to soon lose a friend.
  • Parents and family.
  • Payday Lenders, who will charge you usuary rates of interest ~ 250% to over 1,000% per annum.
  • Guarantor Lenders.  If you have a poor credit rating you could get a friend or family member to guarantee your loan.  These are doubly bad, with all the disadvantages of actually borrowing from friends, lovers, parents and family ~ plus very high rates of interest 50% per annum being about the norm.
  • Credit card debt.  These insidious borrowings can cost you 25% or more over a year ~ if you go on using that card you may never be debt free.
  • Bank loans.  If your bank will lend you money you may expect to pay a low rate of interest, maybe between 3% and 10% per annum.
  • Mortgages and other secured loans from your bank or a  mortgage company / broker.  Personally, I could get a mortgage at 2% per annum.
  • Car loans.  If you should want to buy a new car, many dealers will offer you a car loan at 0%.

And, why do you want a loan anyhow?  The very worst reason for borrowing is to feed your addiction; gambling, drugs, booze, sex…. and the second worst reason for borrowing money is to pay off another debt.  Both of those are likely to get you into deeper and even worse trouble.  Maybe the only good reasons for  borrowing are to buy a home, or car,  (or in some places to pay medical fees).  Vacations, wide-screen TVs, plush furniture,  jewellery, fancy clothes, expensive shoes, are all not worth getting yourself into debt for.

So, just beware of borrowing anything from anyone.

Some say a fool and his money are soon parted.  And that a man in love never counts the cost of anything.  All I know is that Shakespeare was a pretty smart guy.

~

Jack Collier

jackcollier7@ talktalk.net

Maybe a convertible Mustang isn’t the most prudent purchase.

Monochrome Monday~ Backside

The pleasures of the flesh are but fleeting passions.

~

~

~

~

~

~

Jack Collier

jackcollier7@ talktalk.net

Women deserve respect

Scenes on Sunday ~ Memories

Life is full of moments you can’t put into words.

~

~

~

~

~

~

Jack Collier

jackcollier7@talktalk.net

often, people just get in the way

Monochrome Monday ~ America

They’ve all come to look for America

~

~

~

~

~

Jack Collier

jackcollier7@talktalk.net

Pictures by the girl riding shotgun

Embracing Bliss

follow your bliss and the cosmos will open doors where there were only walls

The view from my hotel balcony

Over the weekend, and for the next few days I will be attending a conference ~ retreat called Embracing Bliss in Sedona AZ.  It’s spiritual / self-improvement, and I’m expecting great things as far as balancing my life is concerned.

Sadly this means that I won’t be online as much as usual.  But normal service will be resumed as soon as possible.

Take care in the meantime.

 

~

Jack Collier

jackcollier7@talktalk.net

Sedona is a beautiful town, and this is a cool hotel

A Mustang in Arizona

No matter what life throws at me, at least I have a cool car.

In Arizona my rental is a Mustang.

~

~

~

Jack Collier

jackcollier7@talktalk.net

now all I need is a cool girl riding shotgun

Using marijuana is deadly dangerous.

As legalization spreads, more Americans are becoming heavy users of cannabis, despite its link to violence and mental illness.  ~ The Wall Street Journal.

The resting place for alcoholics, bums, and drug users.

The ideas I want to share with you are considered subversive and ant-social.  But subversion can be a good thing.  Sometimes going against mainstream opinions is not only justified, it is necessary to counter vested interests, prejudice, error, bigotry, and bad science.  If an idea or opinion is not universally accepted, that does not per se mean that the different theory is wrong.  Galileo was denounced for suggesting that the Earth orbited the  Sun.

There exists today an extraordinary denial of the clear links between cannabis use, mental illness, crime, and violence.  For what is the real difference between pot, cocaine,  heroin, and sundry other dangerous psychoactive drugs, all of which lead to the untimely death of someone?

As many Americans are regular users of dangerous psychoactive drugs as there are Americans who drink booze every day.  And the cannabis used today is far stronger than it was is the 1970s, containg more than 10 times as much THC now than it did back then.  ( The psychoactive ingredient of cannabis is TetraHydroCannabinoil.)

Some of the effects of THC on the brain are a lowered IQ, an increased risk of psychosis, schizophrenia, paranoia, delusions, hallucianations, losing touch with reality, reduced cognition, impaired and false memories, and a hell of a lot of ‘neural noise’. THC also totally fucks the brain’s pleasure / reward systems, suppressing self control, leading to increased appetite for food, booze, sex, more drugs…..

Using marijuana has detrimental physical effects causing breathing problems, cardiovascular dangers, intense nausea and vomiting, weight issues.  If a pregnant mother uses cannabis she is seriously damaging the foetus in her womb.

Marijuana users experience; lower life satisfaction, poor mental health, poorer physical health, and serious relationship issues.  These effects are very long term / permanent, even if you are / were an occasional user of this insidious drug.

Personally I would never get involved with any marijuana user, or indeed anyone who abuses drugs of any kind.  And, addicts of anything are infinitely more dangerous than someone who is clean and healthy in body, mind, and spirit.

Just a couple of examples of cannabis fuelled violence: #1 the Islamic terrorists who carried out a devastating attack on innocent passers-by on London Bridge on the 3rd of June 2017 were all habitual users of marijuana, #2 the despicable youth who deliberately drove into a young girl in Utah on Friday 31st of May this year was high on a mixture of cannabis, Xanax, and booze.  He  killed the 11 year old girl on purpose.

Some say that marijuana is a relatively harmless drug.  And, that the weed never hurt anyone.  All I know is that using marijuana means that someone is going to die an untimely death.

~

Jack Collier

jackcollier7@talktalk.net

Growing this in England is illegal,

but nobody cares anymore.

Monochrome Monday ~ Bondage

I want you.  I need you.  I’m addicted to you.

~

~

~

~

 

~

~

 

jack collier

jackcollier7@talktalk.net

 

Now is different,

there are no limits

after all, you’re no lady.

Scenes on Sunday ~ Rental Cars

The fastest car in the world is whatever rental I’m driving.

~

~

~

~

~

Not a car, but a fun rental.

~

0Jack Collier

jackcollier7@talktalk.net

first rental this road trip

Mitsubishi Outlander

Food on Friday ~ Summer BBQ

Friends, fun, beer, and BBQ ~ it’s what summer’s all about.

When you read this I’ll probably be in the air, somewhere over the Atlantic ocean, but I’m looking forward to sampling food like this when I eventually arrive at my various destinations in the USA; Orange County, Phoenix, Sedona, Flagstaff in AZ, and probably LA and San Diego Counties too.

From my Californian friends I know that it’s already BBQ season over there, so here’s an essential accompaniment to any grill, a potato salad.  Except from Tieghan Gerard at Half Baked Harvest, here we have a wonderful looking pesto potato salad.

Pesto Potato Salad

Another potato side, this time from Diane’s Kitchen; simple twice baked potatoes, and the good thing about this dish is that, (if you need to), you can mostly prepare it the day before and finish it off in the oven or microwave.

Simple Twice Baked Potatoes

From Creme de la Crumb this is a fast, easy, and flavourful recipe you can just stick in the oven or broiler; sheet pan salmon, asparagus, and potatoes.  Or you could just do the salmon and asparagus and have it with a dill salad.

Sheet Pan Salmon, Asparagus, Potatoes

Talking of a dill salad, from Julia Moskin at the New York Times, we have this soft herb salad, which just cries out for whatever fresh greens you have growing in your garden.  This will go great with any BBQ’d salmon dish.

Soft Herb Salad

Your collection this week is from Olive Magazine which has 62 of the best BBQ recipes, and I especially like this very easy Miami-style blackened fish sandwich with smoked paprika mayo.  Cooking fish on the grill is so easy and deliciously cool.

Miami-Style Blackened Fish Sandwich with Smoked Paprika Mayo

And to drink with your early summer BBQ garden party; Beer.  Vine Pair has a list of the 50 best bottled beers of 2018, and at #1 the Sierra Nevada Brewing hazy little thing IPA.  If I was still a drinking man I’d quaff a few tinnies of this stuff.  IPA stands for India Pale Ale ~ Asian Indians, not the American kind.

Sierra Nevada Brewing Hazy Little Thing IPA

~

jack collier

jack collier7@talktalk.net

 

BBQ chicken lettuce wraps

clean, healthy, great with tequila

%d bloggers like this: