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About me - Senile M. Ethane

Hi. I am a retired computer programmer/analyst and software developer, I was born about the same time as the first commercial computer in 1942. (You do the math.)

My only writing has been in the form of user instructions and program documentation. But my

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Personal Finance > Managing Credit & Debt (Other) Is credit leading to the downfall of society
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You did all the right things. You had a budget and paid all your bills. Then the bank increased the payment required on your credit card balance. Pay-as-you-go won't work anymore. Now what? You still have to eat. This is happening to to more and more people these days. Good people who know how much income is coming in and al... More..

Creative Writing > Poetry Poetry: Cats
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My Cat is Fat Just skin and bones when she found us, she was on her own and in distress. She ate her fill and learned to play. Her looks improved with every day. But now well fed and feeling pat she sits around. My cat is fat! She sits with spine against a wall. It keeps her up so she won't fall. She tries to clean the parts... More..

Personal Finance > Stock Market Investing in EFTs
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What is an EFT? And how does one invest in an EFT? First, of all it might help to note what it is NOT. It is not an ETF. The sequence of those letters makes a difference. ETF stands for Exchange Traded Fund, an instrument to make it convenient to buy and sell on a stock exchange shares of a "basket of stocks". Often the "bas... More..

Health & Fitness > Health Care Finding a solution to our health care crisis
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Healthcare in America has been going downhill for years. The cause must be confronted before any solution can fix it. But even though it is staring everyone in the face, few seem to recognize the problem. No, it's not the fact that too many people are uninsured, although that is one of the consequences. And no, its not that ... More..

Creative Writing > Poetry Poetry: Nonsense
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Kisses and Hisses Alice and Cris have a sister named Bliss who writes lists titled, "Kisses and Hisses". On "Kisses" go wishes and and fine china dishes. On "Hisses" she lists what she misses. Cris read the Bliss lists and got really pissed because Bliss listed fishes as "Hisses". Said Cris to sis, Bliss, "You're really remi... More..

Personal Finance > Financial Planning How to start a budget for beginners
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You are thinking of starting a budget. But from what you have read so far, it sounds like a lot of work. And a lot of it doesn't sound like it will work for you. Well, it doesn't have to be anything more or less than what YOU need. And most articles about budgeting tell you that you need to set aside 10% for this or "enough ... More..

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