Five Credit Habits To Break Within 2016

Having serious about buying a home means coming face to face with the quantity that reduces down economical past and present into one three-digit figure: your credit score.

Sadly, most people check out their credit history and rating with growing panic since they are already under the gun in addition to hoping to create a home purchase in a short while.

If this feels like you, create 2016 your year to be able to bad credit routines — which includes these top five — and pay attention to how to repair your credit to place yourself inside the best financial standing to be able to land your home youve recently been dreaming about.

1 . Not understanding how credit credit scoring works

Behavior to break: Sticking to habits that will appear very good but could be negatively impacting your credit.

Image resolution: If you are someone to rack up huge credit card amounts every month but pay these people off in full when you get your costs, you may be keeping away from debt, yet youre not necessarily helping your credit utilization proportion — something that makes up thirty percent of your report.

Credit card companies may report your own balances at varying times throughout the month, so if you happen to be at the top end of your limit, your proportion is higher — regardless of your intention to pay your own bill in a few weeks whenever its due.

2 . Considering only part of your credit photo

Habit to break: Checking your own score although not monitoring your credit report.

Resolution: Buy your information and pay focus on more than just your score.

Together with free credit-scoring apps giving built-in credit alerts, their easy to get into the snare of assuming you are totally tuned into what is going on together with your credit. Nevertheless thats certainly not the case.

You could think your credit score is usually on focus on, for instance, however your credit report may show scars or erroneous information that should be tended to now as opposed to later. Not to mention, these apps arent always showing your FICO report — one of the most commonly looked-at score regarding lenders.

Youre entitled to 1 free credit file annually from each of the three credit-reporting agencies. Find more information at AnnualCreditReport. apresentando.

3. Placing your credit on the line for someone else

Behavior to break: Co-signing on a mortgage that could push your credit score in to the ground.

Image resolution: Help others in ways that will wont set your own economic health vulnerable.

Co-signing on a loan may seem like a painless, easy solution to lend a hand into a friend or family member in need. Yet should they create late payments or simply standard on the mortgage altogether, suppose who is around the hook? A person.

Unless you are fully prepared and financially able to control the repayments should the agreement go awry, do not co-sign. Help the friend or family member locate ways to establish or repair their own credit instead of adding yours at stake.

4. Keeping away from credit like the plague

Routine to break: Steering clear of establishing credit out of fear youll find yourself in above your head.

Image resolution: Find methods to use credit and create your credit with regard to future purchases — just like a home — in the natural manner achievable.

Theres no shortage of horror stories about how exactly people have discovered themselves floating around in debt or perhaps with unrestrainable financial responsibilities after taking on some type of credit rating. This might ensure it is seem as if avoiding credit rating altogether is the better option.

Regrettably, in the quest for homeownership, no credit is often as tricky a scenario as bad credit and will help to make loan approval much more challenging.

Instead of staying away from credit completely, find dependable ways to set up your credit — such as starting a credit card, using it to make just a few purchases regularly, and settling the balance completely every month.

five. Not having to pay careful attention towards the fine print

Routine to break: Not really paying attention to key elements like interest rates and late fees.

Quality: Understand the total ramifications in the potential debt you are taking on before accomplishing this.

Many people possess the best purposes when they set up a new personal credit line. They consider paying almost all balances entirely and staying away from late payments at all costs.

After that life happens and a repayment is forgotten, or revenue drops and another spendy month cant be paid off entirely. These scenarios happen to the very best of us and make it necessary to fully understand just about all terms of the loan or even credit card clearly — need to on the dotted line.

Although you may think your credit habits are usually spotless, read the fine print. This will ensure you continue to keep your own in top shape and your financial debt low.

Students & High School Seniors Encounter Time To Record FAFSA

Now is the time to file for aid paying for college in the form of typically the FAFSA: Free of charge Application for Federal Pupil Aid.

Proper rights Westerman, a new freshman at Missouri Southern State College came to the financial office today inquiring about re-filing for educational funding.

He says, If I couldnt receive school funding, I wouldnt be attending college. It had been the Pell grant, based on how much your folks make or perhaps you make in a given time based away that. Figuratively speaking are available yet youll take debt down the road in the future.

MSSU Financial Aid Movie director Becca Diskin says, FAFSA itself is step one to obtain any varieties of grants, financial loans, work examine type money and even scholarship grants. FAFSAs actually your best facts determine what they are eligible for.

But , ask any student or senior high school senior, and theyll say the online submitting can be mind-boggling.

McAuley High School older Dominique Doncel says, It is just a lot of questions, a lot.

Westerman adds, It was kind of difficult at first, especially with the taxes like your W-2s and every thing. Its kind regarding bunched collectively, frustrating.

This year that might be simpler once youve filed your return.

Diskin says, When they received a digital submission of the taxes, you may import from the IRS your own tax info directly into typically the FAFSA.

Financial aid representatives says its important to consider other sources associated with revenue including scholarships

Diskin states sources are usually, The school by itself, also chapels, community companies, non-profits, businesses, places you work. Households need to be seeking those things out.

Some scholarship grants are talent based like for strap or athletics, but educational ones as well as admission could require ACT or SEATED scores, nonetheless they may not be the sole measure.

Diskin states, Scholarships sometimes are found based on the scale of ACT score, maybe senior high school GPA, even rank in high school older class. And everything those things can be quite a factor in determining what scholarships the school provides.

But it really starts with filling out the FAFSA and fellow students say dont be afraid.

Doncel says, Do not be afraid of the FAFSA just because its been the particular FAFSA. Once you do it youll realize their not that will hard.

You should file early on. Missouris deadline day for state aid in line with the FAFSA is usually April very first.

FAFSA Frenzy, an event held at schools to offer filing assistance, is February 28th.

Heres a link to dates plus locations.

Crowder College can also be offering FAFSA workshops through March.

Heres a link to people.

lt; gt;

Grounds Notes

Adam LaRose, a Tallahassee Neighborhood College plus Leon High school graduation alumnus that is now a graduate pupil at the Steve F. Kennedy School of presidency at Harvard University discussed his tale with TCC students, faculty and staff on Thurs.

LaRose protected a variety of subjects ranging from his humble origins in Tallahassee to his / her collegiate activities at TCC, FSU plus Harvard. This individual stressed his emphasis on work and determination at each of the people academic halts.

“If We wasn’t going to succeed on campus, â€? LaRose stated of his / her time in TCC, “it wasn’t going to be for a not enough effort. â€? /p>

LaRose discussed the difference in between ambitions in addition to aspirations, expressing an aspirations is some thing desired while an desire is something one wants to give. He or she also advised students to pay attention to how people react when they are discussing their future objectives.

During his two years from TCC, LaRose was selected vice president of the Honors Program and dished up as an United States Senate intern. He is pursuing a new master’s level in public plan at Harvard, with a certain focus inside social policy.

Toward the final of his / her lecture, LaRose encouraged the scholars not only to recognize their freedom of obtaining an education from TCC, but also to pass of which opportunity on to others.

“You have the luxury to sit down here in these types of seats, â€? he stated, “and to expand your own minds in a way that so many others yearn with regard to. And in my estimation, because you happen to be afforded that will luxury, you have some sort of obligation to make sure others do also, however you feel it should be accomplished. â€? /p>

TCC to web host annual womens leadership summit in March

To overlap with Women’s History Calendar month, Tallahassee Community College will certainly host the annual Constructing Legacies Women’s Leadership Summit on Mar 1, 2016, from eight: 30 feel to midday at Goodwood Museum plus Gardens.

This year’s summit will be focused on entrepreneurship. The program will function female internet marketers who will reveal their stories, successes in addition to words regarding wisdom and let attendees to explore their own interests and entrepreneurial aspirations.

Christine Urban, exec director of Domi Station, will reasonable the -panel. Kay Stephenson, co-founder, president and BOSS of Datamaxx Applied Technology, will provide the keynote deal with.

Guest loudspeakers include Laura Johnson, president of Coton Colors, Cynthia Kimble, a physician and operator of Kimble Family Medication, and Shannon Moore, operator of FUEL Nutrition Contacting, managing companion of Paisley Caf? in addition to managing owner of GREENWICH MEAN TIME (GMT) Pubs. The event is financed by the Tallahassee Democrat, Prime Meridian Bank, Thurman Law Firm and Club 25. The big event is hosted by TCC’s Division of Staff Development as well as the TCC Base.

Preregistration is needed. Tickets usually are $30 and may even be purchased from TCCWomenInLeadership. com.  Check-in commences at 7 is and a continental morning meal will be provided.  For info, contact Ranie Thompson at (850) 201-6074 or thompsor@tcc. fl. edu.

TCC hosting companies information classes for bachelor’s degree breastfeeding program

Tallahassee Community University is having information sessions for its new Bachelor of Science inside Nursing degree plan, set to commence May 6. The program will be accredited with the Commission about Colleges in the Southern Association of Colleges plus Schools.

This software is designed for accredited registered nursing staff who currently hold a co-employee in Science degree in nursing. Programs will be provided online, allowing students to go through the program at a comfy, guided pace.

Information sessions are arranged for February.  22 in 8 feel and Marly.  14 in 7: thirty pm on the Ghazvini Centre for Healthcare Education at 1528 Doctors Drive.  For information, phone (850) 558-4500 or write to healthedu@tcc. fl. edu.

TCC employees certified as career development facilitators

Several TCC teachers and personnel completed extensive training to get certified global career advancement facilitators from the Center for Credentialing amplifier; Education. These people include Catie Goodman, Felicia Williams, Tanya Hargrove, Christy Mantzanas, Li Pon, Tanker McDermott, Nancy Donovan and Karen Burke Hill.

Modification Classes Now Forming at Chipola College

Typically the Chipola University Criminal Rights Training Middle will offer the daytime Corrections class start Feb. twenty four. Application deadline day is Deadline is February. 22.  Classes will fulfill Monday via Thursday from 7: 30 â€? 4: 30 pm

Completion of this system prepares candidates to take the State Board Exam and become licensed by the Criminal Justice Standards and Training Commission on becoming utilized with a Correctional agency.

Ahead of admission, just about all candidates must earn the passing score on the Felony Justice Fundamental Abilities Test (CJBAT) offered by the Public Service Building Tuesdays at 12: 30 pm Applicants must have a standard high school degree or the equivalent and must undertake a healthcare physical evaluation, background check in addition to drug testing.

For information about the application process, contact Jamie McAllister, Corrections Coordinator, from 718-2212.

Chipola to host Financial Aid Time on Feb .. 20

Chipola College will host economic Aid Day time, Saturday, Feb .. 20, through 9 am to noonday noontide, meridian, in the College student Services Creating.

Prospective learners can get totally free, expert help applying, signing up and paying for college. Individuals may use college computers with regard to online types, and obtain one-on-one assistance. Academic consultants will be available to aid new and returning college students and their moms and dads through the tickets and registration steps.

Individuals also will acquire help in doing the FAFSA (Free Software for Government Student Aid), a mandatory first step to getting financial aid. In order to expedite running of the FAFSA form, students and parents should apply for a government FSA IDENTITY number at

For more information, phone Beverly Hambright at 850-718-2223.

Chipola Basis scholarships accessible

The Chipola Foundation Scholarship list with regard to Fall 2016 will be available the initial week of March.

Typically the McLendon Informative Trust apps for Summer I in addition to Summer 2 are available online at and in the inspiration office.   Application deadlines are: Summer I, Scar.  15 and Summer II, May 16. Summer 2 applications ought to include Spring 2016 semester marks if student is signed up for Spring 2016 classes.

For information, call the particular Chipola Base at 718-2404.

Chipola Future Educators Win at State

The Chipola Future Educators Club will host its Annual Instructor Workshop, Sunday, Feb. 6, from eight is to 12: 30 pm  Periods will include resources and techniques in Math concepts, Science, Reading, English, ESOL and AQUEL. The free of charge workshop will be held in Literature/Language (Building Z). Registration reaches 8 feel, with the first session from 8: thirty am  RSVP to Casey Dowgul in dowgulc@chipola. edu or cell phone 850-718-2449.

Chipola Ace Offering Teacher Certification Exam Review

The particular Chipola University ACE Laboratory is offering review sessions for that General Knowledge Fl Teacher Accreditation Examination.

Evaluation sessions for the various checks are planned from three to five pm around the following schedules: Reading/Writing, March 14 in addition to 16; Math concepts, March 15 and seventeen.  For

Coaching And Credit Score Management Company To Help Customers Manage Personal Debt Obligations — Najib

PUTRAJAYA, Jan twenty-eight (Bernama) — The Prime Ressortchef (umgangssprachlich) said typically the Counselling plus Credit Management Agency (AKPK) will help borrowers who are going through difficulties within managing their own debt obligations by rearrangement, reshuffling existing debt.

Datuk Seri Najib Realisieren Razak, that is also the particular Finance Ressortchef (umgangssprachlich), said the federal government was worried over the life-style of the people that lived beyond their means.

In this regard, AKPK under Bank Negara Malaysia (BNM) might assist consumers with problems in controlling their financial debt obligations simply by restructuring their particular existing financial loans.

The good news is that all the services receive free, he said whenever delivering his / her special concept on the 2016 Budget Recalibration here, these days.

Meanwhile, Najib said the federal government was also putting together a consultation device through the Small Debt Quality Scheme as well as the Corporate Personal debt Restructuring Committee under BNM for feasible SMEs plus companies going through financial problems due to the present environment.


Paying For College: Understanding The Options

Paying for college: Understanding the choices

Plenty of high school students usually are learning which usually schools theyre getting into for college. But paying for university is still a learning game. Countrywide Honor Society Council member Laura Mullen has some very good information regarding young people.

New Research From The National Respect Societies Reveals Paying For Degree Is A Top Concern With Regard To College…

RESTON, Virtual assistant., Jan. 27, 2016 /PRNewswire/ –Its the time of 12 months when the majority of college-seeking learners are finding out if theyve been accepted into their institution of choice, most may be not sure how they plan to finance their future education. In fact , in accordance with new analysis commissioned from the National Honor Societies, fifty percent of college searching for students targeted worry they will be unable to purchase their university education. Further, nearly four in ten students (38 percent) say they need help figuring out how to apply for scholarships, and thirty three percent desire they had more information about the method.

The particular financial factor can be one of the most daunting regions of the college experience for students and parents. However , the right resources, expert advice and information can help alleviate many of these concerns, said Dr . Jonathan Mathis, director from the National Honor Societies. As part of the National Respect Societies Honor Your Future Now campaign, our goal is to encourage college students everywhere to organize early in addition to take advantage of all the information available to set themselves to college, career and a duration of success. Knowing all their monetary options plus taking action now is a critical part of helping the future of their own academic and private journeys.

The National Honor Communities are supporting students to understand that their never too soon to start finding your way through college, including financial preparing. To help understand the often-complex process of college funding, the particular National Respect Societies possess prepared a visual guide, obtainable through a site launched included in the Honor The future Now strategy. A section referred to as Paying for College or university provides an infographic illustrating such college-funding ideas as:

  1. Consider carefully your Own Sources . This can include parent income, college student income, gifts from family members or starting up savings balances, such as the savings plan.
  2. Get Financial Aid . This may include need-based aid or merit-based help. Need-based support is available any time families can prove they need the cash, which can be created by completing the Free Program for Federal Student Support (FAFSA) immediately after January 1 every year. Merit-based support is most generally awarded through scholarships, but could also include institutional scholarships offered by universites and colleges.
  3. Reduce Costs . Taking methods like generating college credit by effectively completing Advanced Placement (AP) and dual enrollment homework may reduce the amount of time and money needed to make a degree.

To view the full infographic and find out more about ways to pay for college, visit:


Included in the Honor The future Now marketing campaign, the National Honor Organizations are also moving out many new helpful members through the 2015-2016 academics year, which includes:

  • Enhanced NHS Scholarship Plan: The current NHS Scholarship System will reach more college students than in previous years having a total honor pool up to $2 mil within the next four years.
  • NJHS Exceptional Achievement Honor: The NJHS Outstanding Accomplishment Award may recognize 500 of the most excellent members across the country with a $250 college savings award, to be program-managed by simply Oppenheimer Money (OFI Exclusive Investments) included in the New Mexico Education Believe in Boards 529 college financial savings plan The training Plan. Nominations are made simply by chapter advisers and the candidate selection deadline will be February 20.
  • College Admissions and Financial Aid Planning Help: A series of training calls and Twitter Town Halls give users, parents and advisers specifically the chance to find out directly from professionals and get their own questions answered on matters including the college application procedure, financial aid and college match. The next web conferencing and Tweets Town Area will take place February 17 and will focus on financial aid.
  • NHS College student Dollars: A great NHS members-only online application has been personalized around the membership pillars regarding NHS scholarship, service, management and figure to help students in their college or university scholarship search. The tool, powered by College Board, was created in partnership with the Acquire Schooled Foundation, a nationwide education charitable that aims to inspire, inspire and encourage students in order to graduate high school, then visit and achieve college.

For more information, look at the Honor The future Now website at HonorYourFutureNow. org to gain access to resources available for students and fogeys, including the Investing in College infographic; Preparing for University; and A Mother and father College Checklist, which offers recommendations for key steps to take in college preparation, including financial planning. Stay up-to-date on the marketing campaign by following #HonorYourFutureNow on Facebook and following a National Respect Society in addition to National Jr Honor Community on Fb.

Concerning NASSP (Founding organization of the National Respect Societies)
The National Association of Secondary Institution Principals (NASSP) is the leading organization of and voice with regard to middle stage and high school graduation principals, assistant principals, plus school leaders from across the United States in addition to 35 countries around the world. Typically the association links and engages school leaders through proposal, research, education, and college student programs. NASSP advocates for all institution leaders to ensure the success of each student in addition to strengthens institution leadership practices through the design and style and shipping of high-quality professional studying experiences. Highlighting its long-standing commitment to student leadership development, NASSP administers the National Respect Society, National Junior Honor Society, Nationwide Elementary Honor Society, plus National Organization of Pupil Councils.

Photograph –

SOURCE National Association associated with Secondary School Principals (NASSP)

Quick Story Weekend: It Was Priceless…

We’ ve overlooked our Short Story Saturdays. How about you?  But, local writer, Charles Wilson, has returned. He took a story he or she read or even heard about a few guys combating over a bookbag and extra a little imagination. If you have an account you would like to publish, send that to mskymkemp@gmail. com.

It all started when I was walking out 11th in Arcata. Goin’ to a party that “Sammy the Stench,â€?one of the plazoids, was throwing. He had earned his nickname from his habit of eating several cloves of garlic a day and bathing about once a month.

His mom had kicked the bucket, a lawyer calls, and all of a sudden he had some bucks. He went from livin’ rough in the Manilla dunes to a nice rented house in Arcata. The money wouldn’t last and the house might not either. He threw some wild parties, I’m tellin’ ya.

As I sauntered along, I was keeping my eyes openya never know what might just be lyin’ around in somebodies yard. Or in an unlocked car. I noticed light, a virulent orange, leaking out from under a garage door but didn’t think much about it at the time. I went on to the party and got shit-faced on Sammy’s booze and weed. I tried to hook up with a couple chicks there but they didn’t want anything to do with me. Either I was too drunk or they weren’t drunk enough.

On the blasted stagger back to my squat that night, the bright orange light was still leaking out under that garage door. It gave a warm glow to the night.

I was to make that stroll almost daily. Sammy was a generous dude and his house became the second social hot spot after the plaza. Showers, (Sam should take em more often) a washing machine, clothes dryer, a toilet with a seat and real TP, plus usually a couple beers were generously offered and I always took him up on his offers.

If cleanliness is next to godliness, I was going to maximize my chances. I was tired of PTA baths with a bucket of sea water, tired of clothing sour from being worn but not washed. Truth be told I wasn’t much less fragrant than The Stench until I started using his shower on a regular basis. My aroma was just a little different.

With all my comings and goings I noticed a bright light seemed to always be on behind that garage door. As the weeks went by it switched to a brilliant blue-white but it was not only light leaking out under the door. There was also a strong smell of flowering pot as well. And I passed the place often enough to realize it was lived in by a couple college kids and was almost as big a social hub as The Stench’s rented house. Different demographics perhaps, but a lot of drunken parties were happening on Friday and Saturday nights.

It must be nice having parents to pay all the bills. Mine could barely pay their rent and paying for college? You jest I assume�/p>

So one fine afternoon about a week after the light switched back to orange I was chillin on the plaza, sharing a doob with anyone who brought one and would hand it my way. A typical day in the life of an aimless plazoid, spent waitin’ for somethin’ to happen.

That’s when I met Deth Boy. He was a 20 somethin’ with enough tats on his face to scare a blind man. If the tats wouldn’t do it, the knife he carried on his belt certainly would. How dangerous he really was nobody really knows but we all took him at his word. Like the rest of us he smoked weed and drank cheap beer every chance he got but his real vice was speed and I don’t mean the type you get on wheels. Crank, tweak, crystal, meth, the names were different but the effect was the same. The drug burned the health out of yand your mind followed shortly thereafter. Not my cuppa tea!

As the assembled plazoids passed around a couple blunts I ended up mentioning the garage with its interesting bouquet. That’s when Deth Boy poked me in the side and hissed, “Let’s rip those fuckers off.â€?I was broke so that was an interesting proposalâ€?/p>

Our program was to knock on the doorway after their particular last guests had left the Friday night boozathon and, when the door opened, we would storm in and do the behavior. We didn’t even have to be able to knock. The idiots were so confident (or stoned) they did not remember to locking mechanism the door and we just opened it and wandered right in. I was carrying a hockey bat I had lifted coming from someone’s front yard and Deth Boy got his enormous shiv attracted and ready.

One of the men was rolling another shared while their roomie was playing language tag which includes cutie that has been half undressed. All three of those stared your way like we had been ghosts that will had abruptly appeared within their midst. They ought to have been so lucky!

Deth Boy got himself cranked to the readers for the career. Between their tics, jerks, mirrored colors and tattoos the guy was scary to start with, add 8 ins of twitching steel knife and the impact was inspiring. You could positive see where he got his name.

“Your reefer or your golf balls, gentlemen! We’re takin’ much more the other. â€? Where DB got that will line, I’ll never know however it seemed to work. The girl talked up first. “It’s within the garage, the particular black rubbish bag beneath the bench. â€? She was right on that, too.  A big, black trash carrier was stuffed in a nook and, when we looked, completely four clear bags inside, four pounds of bud ready to sell or roll-up and enjoy.

I was rich!

Deth Boy stood there looking dangerous while I secured their particular wrists plus ankles combined with duct mp3. They would must just scream till somebody came to discover what the bother was about. We stuffed the particular weed in to my bookbag. Laughing We thanked these people for their unintended generosity, and exited shutting the front door gently right behind us.

Even as we walked away we could hear a muffled chorus regarding yells received from inside but the house has been well-built. They weren’t likely to wake the particular neighbors or even get assist before i was long gone following that. We advancing back my squat to sample their wares plus spend the remaining night.

I’m tellin’ ahora, dude, the look on their faces had been invaluable!

The next day Deth Boy said he realized a dude in E-town that would purchase the shit. He was probably the similar guy of which sold DB his tweak I thought but a new buyer must have been a buyer plus cash will be cash. The program was that I carry the group while DIE BAHN would follow me a several yards back again so it seemed like we weren’t together. When cops had been going to cease one of us it would oftimes be him, We would just keep walking like nothing has been happening and obtain our weed out of the trouble zone. That has been the plan.

We all bribed another dune dweller to give us a lift to be able to Old Area in his ratty car. A large handful of buds and he could have driven all of us to Garberville if we’d asked him or her. He fallen us away on Two Street and that we started going for walks towards Third. I had been just bridging Opera Alley when there was clearly a yankee at the package that almost pulled me personally over.

“I’m takin’ that will pack now, sukka.  Thanks for the assist. â€? It was DB taking for all having been worth.

“What the fuck you talkin’ ‘bout, asshole.  This is half my very own. â€? The pack was approaching off my shoulders today and I content spun, grabbed the most notable and yanked back. A new furious tug of war accompanied by a noisy chorus regarding profanity ended suddenly when the pack tore, a pound fell away and one of us stepped on it. The carrier popped just like a pot-filled go up spewing that fragrant bud all over the sidewalk. We both froze and just stared at it in horror for a few seconds. Then all of us realized everyone was coming your way from both directions. Numerous had cellular phones rising to capture the picture. Others experienced already began scooping buds up as fast as they may.

This could have got gotten way too weird. — -Hell, this already was weird— nevertheless I didn’t need police force in my life therefore i gave up around the pack in addition to ran for just two Street, flipped the corner plus slowed to some fast walk to avoid attracting attention. I assume Deth Young man ran throughout the alley with all the pack, I never found the krydsning again.

We realized it had been time for myself to break camp and proceed outta Humboldt before the police officers found me. By now the inventors we conned had gotten free and possibly visited the law.

I’ll sure miss The Stench’s hospitalityâ€?br>

“Hey Bill, this is me, Jimmy. Ya know what I buy from you? Well, I have some I want to sell. Interested? Cool, come on over. You can check it out and I’ll tell you a story.â€?/p>

Twenty minutes later a knock on the door meant Bill was probably standing on the other side. I opened it, beckoned him inside.

“Hi Bill, come into the kitchen and let me show you what I have. You can tell me what you think of it and if you’re really interested.â€?/p>

“OK, Jimmy, I can hardly wait. Bring it on!â€?/p>

We went with sex and brought out the ripped pack with its contents. I pulled out just about all three bags make them available. I decreased the pack on the floor by my feet.

Jimmy opened the first and took a sniff then smiled. Then he opened the second and smiled again. Finally, the third was given the sniff test.

“This is all the same variety. It’s got a great smell. Now let me twist one up and we’ll have a little taste test.â€?/p>

In a minute he had selected a bud from one of the bags, dropped it in a pocket grinder, and after rotating it a couple times, he tapped the contents out on the kitchen table and rolled up a joint. He lit it, took a small puff and savored it, then a full hit. Instantly he started coughing. He handed it to me and sputtered, “Good shit, Jimmy!â€?We passed it back and forth half a dozen times.

Then Bill said, “I’m going to get my scale out of the car. I think we can do business if you’ll take 1200 a pound.â€?/p>

“You have a deal, dude! Get your scale and weigh these suckers. Then let’s do some business.â€?/p>

Ten minutes later Bill had the bags—just a few grams over a pound each—stashed along with his scale in the toolbox of his truck. And I had 3600 bucks sitting on my table.

My ass was saved! For now anyway.

Bill came back in and asked, “So what’s the story, Jimmy? When did you start growing weed-and for that matter where? You have no room in this place.â€?Bill gestured at the small kitchen and the rest of the apartment we were in.

“Sit down, Bill and let’s finish this doob and I’ll tell you all about it.â€?/p>

“See Bill, my landlord, has been pretty lenient. You know, after I was laid off we both figured it would be just a matter of a couple weeks and I would be employed again. But somehow it wasn’t happening.

There just isn’t that much local demand for my skill set. The education my parents had almost gone broke paying for was not doing me any good at all. My dad bitched that they should have just bought me a road grader, it would have been cheaper and my job couldn’t be outsourced to China or Mexico. A real comedian, that guyâ€?/p>

But he was right!

And, if I didn’t come up with some rent money soon, Bill, I was going to be outta my apartment and living on the streets or back in my old bedroom with the parents. Not an appealing thought, you know. Neither is applying at the golden arches for a job flipping burgers but this option seemed more and more likely.

I had gotten tired of pounding the pavement, handing out resumes, filling out job applications, and decided to console myself with a piece of cheesecake and a latte. That much money couldn’t pay the rent but it would buy me a temporary pleasure and a little caffeine boost might help my mood.

I had finished my treat and just walked out the door of Ramone’s Caf?when these two bums got in a fight over a backpack across the street. Within seconds the pack had torn open and a bag fell out on the sidewalk. One of the bums stepped on it and POP! Weed blew all over the sidewalk. Some went as far as the street when the bag exploded. The two bums looked shocked. Cell phones were being raised by some passers-by to capture this comedy while others came running to scoop up some free smoke.

After a few seconds of standing there frozen with his mouth open, one of the guys took off running toward Two Street and the other one, the guy that ended up with the pack hauled ass down the alley. As I watched him recede towards D Street, I saw him throw the ripped pack in an open dumpster. When he got to D street, he hung a right turn. Curiosity (it killed the cat, you know) made me wander down the alley, reach down into the dumpster and grab the pack. It didn’t weigh much but it had something bulky inside. Without looking I took a real quick stroll back to my car, tossed the pack in the back and drove home to my apartment. Then it was time to check out what the fuss was all about. I wanted out of the Old Town area ASAP before one of the bums spotted me with the pack and wanted it back.

Finders keepers, losers weepers!

Once back at the apartment I finally looked at the contents of the pack. It held some small personal effects and three nicely sealed bags of weed. Each looked like a pound.

And so I called you, I’ve been buying my smoke from you for years and figured that if you sold it you might buy it as well.

The cash will cover my back rent and then some.

I gotta say though, as good as having the money is, seeing the expressions on those bums