I've never been in debt. Okay, that's not entirely true. Yes, I've been in the kind of debt where I had to make car payments, and I'm currently in the kind of debt that says I have to make house payments.
I've never been in credit card debt, however. Truth be told, I've never even owned a credit card. I don't trust them. I've been conditioned not to trust them thanks to many years of living with college roommates.
Most of my college roommates had this weird outlook on credit cards. Basically, they thought credit cards were magical pieces of plastic that just magically paid for things and that they were somehow immune from the the ensuing debt that came about due to excessive credit card spending.
I'll admit it: I was sort of jealous of my roommates and their magical credit cards. After all, they always seemed to have money and, if they didn't, they just whipped out their credit cards. Books? Put them on the credit card. Food? Put it on the credit card. Night out at a strip club? credit card.
And yet there I was writing checks and budgeting like a fool. I remember thinking that I was doing everything all wrong. I mean, there I would sit, meticulously lording over my finances, while my roommates went waltzing all over town swiping their credit cards with the careless glee of a six-year-old with a loaded pistol.
Then, one year, I was a roommate with a guy named Chad. Chad was actually a former high school classmate of mine. He was, and is, a tech-head. He's one of those guys who was born to know technology. Way back in elementary school, he taught me how to write simple programs for the Apple IIc, and he always just seemed to know everything about computers.
But he didn't know shit about personal finances. He whipped out any one of his many credit cards with the swiftness and ease of a Old West gunslinger. By the time we became roommates, he had already accrued over $10,000 in credit card debt.
I remember thinking what an incredibly large amount of money that seemed to be, especially when I factored in the understanding that he also received financial aid, and that he also worked. Granted, he worked at the local Brach's candy factory on the Gummi Bear line, which paid about as well as you might imagine, but it was still money, so I came to the conclusion that old Chad was a pretty carefree spender.
Well, one day, I popped into Chad's outrageously messy room where I noticed, tucked between two huge bags of pilfered defective Gummi Bears, a credit card notice that was slugged "Urgent!" and another that was slugged "Immediate Payment Required" and still another that read "We Break Fingers And Toes."
Then the calls started coming in, usually two or three a day. "Is Mr. Haugen available? We really need to speak with him." No, he's not here. "Are you sure you're not really Mr. Haugen?" Yes, I'm sure. "Well, when he comes in, have him call Mike at Discover immediately." *sound of shotgun cocking* Will do.
Chad was masterful when it came to avoiding creditors. He always seemed to leave the apartment just two or three minutes before a creditor called. It was like he had some sort of sixth sense. Which was all fine and dandy, except that I ended up being the intermediary between Chad and the creditors, so I got to absorb all the impatient anger and suspicion of basically every credit card company on the planet.
It was the day a creditor appeared, in person, at our doorstep that I realized Chad's debt situation was probably more dire than Chad cared to admit. There was a knock at the door, I answered, and a gentleman in a suit that looked both impressive and threatening stood before me. He asked to see a Mr. Chad Haugen, at which point I heard a little scuffling emanating from Chad's room as Chad scurried out the back entrance which, conveniently, was located at the far end of his bedroom.
We chatted together, the ominous creditor and me, for about an hour, waiting for Chad to get home, even though, of course, there was no way in holy hell Chad was going to make an appearance while that guy was in our apartment. I even had to produce my ID, so the creditor was satisfied that I wasn't, in fact, Chad Haugen.
After that, I believe, Chad ended up getting a loan from his parents, or somebody, so he could pay off his credit card debt at least enough to keep the creditors at bay. He eventually got a job working at IBM, which was a long-assed commute from Winona to Rochester, but paid a whole lot more than the Gummi Bear line.
As for me, Chad's experience with credit cards pretty much scared me away from plastic for good.
My Middle East Madness Menu c. Ryan Rhodes, Oct. 17, 2001
An Old Post That Seems Appropriate Once Again, And Again, And Again
After a long day of avoiding a U.S. led airstrike over your war torn country, hunger is no doubt the first thing on your mind. You desire something fast and inexpensive, something that the whole family can enjoy. So, come to Osama’s Fast Food Emporium, your Mecca for affordable family cuisine.
At Osama’s, you’ll be treated to a virtually bomb free atmosphere, and you’re encouraged to enjoy Allah you can eat. And, Osama’s extensive menu guarantees a pleasant and different dining experience every time you visit.
“Osama’s has declared a holy war on hunger,” said a satisfied customer. “When I first heard of a franchise in the area, I didn’t walk, Iran.”
Yasser, you betcha, this is no joke, this Israel. With Osama’s restaurants springing up throughout the Middle East, you’re probably just a camel ride away from a hearty Osama’s meal. So, make a pilgrimage to your nearest Osama’s today. Remember, a rolling stone gathers no mosque.
So, what culinary delights can you find at Osama’s? You’re encouraged, of course, to start off with a nice garden or caesar Saladdin before moving on to the main course. How about a nine piece order of Taliban Tenders. These tender white Gaza strips of chicken breast, rolled in Osama’s secret blend of herbs and spices, are sure to satisfy even the most hardlined fundamentalist. Or, enjoy a rosemary and Yemen chicken breast (with a slight sprinkle of Sultan pepper), a sure hit with your wives.
Feeling a little Mexican? Then order our delicious chicken El Queda Quesadillas.
But wait, you aren’t limited to chicken at Osama’s. You can also enjoy a vast assortment of mutton dishes. In fact, at Osama’s, our specialty Islam.
Osama’s also provides several side orders, including, for a limited time, ripened ears of Koran on the Kaaba.
“Oman, that Koran on the Kaaba was excellent,” said another appreciative diner. “I almost feel bad that I ate four ears. I sincerely apologize.”
No need to say you’re Saudi at Osama’s. At our affordable prices, we understand when you eat more than your share.
Of course, Osama’s didn’t forget the early risers. For the breakfast crowd, Osama’s provides small and large stacks of Pakistani Pancakes smothered in bin Ladenberry syrup. Other breakfast items include Hezbollah Hash Browns, Baghdad Bacon, Syrian Sausage, and Beirut Bagels.
Wash down your Osama’s meal with any of our beverages, including juices, sodas, and our famous Shiite Shakes. All refills only cost a Qatar.
So, you’ve finished your Osama’s meal, and you still have room for more? Perhaps something on the sweet side? Not to worry; Osama’s also provides a number of delicious desert desserts, including our Sahara Sundaes and Empty Quarter Eclairs.
Like most families, you probably have some unruly children who are hungry but difficult to satisfy. No problem. Simply load up your little terrors and bring them to Osama’s, where they can enjoy our low priced Angry Meals. Upon hearing that they’re headed to Osama’s, your children will no doubt start yelling and shieking with glee. You may have to Muslim.
Yes, Osama’s has lifted the veil on affordable family cuisine. See for yourself. Come to Osama’s Fast Food Emporium today!
Posted by Ryan at September 28, 2005 04:48 PM | TrackBack
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