Archive for plans

Plans

Posted in Psychology with tags , , on July 20, 2014 by Drogo

some people dont make plans, some do and dont care about following up, and others like me take plans seriously. Personal plans seem to be the easiest for me, but i think trying to work with others that do not respect the whole ‘plan’ concept or do not take communication respect seriously is where substantial problems occur… especially since various people have different social ‘graces’ and even language use relative to action…

When acting on my plans i encounter a problem, i try to adapt.

When adaptation fails, i need to scrap the plans usually, and start from scratch.

Scheduled Plans can be made for meetings, trips, buildings, wars, etc…

*

“Dont let anyone take away your ability to get high on life!” – Karen Boe

*

Advertisements

Future of SCOD

Posted in Cooperatives / Communities / Networks / Travels, Organic Development, SCOD Council, Sustainability with tags , , , , , , , , , , , , on May 26, 2014 by Drogo

“Sometimes i think about the future of SCOD. It is very much a reality for me. i have been involved with another group of friends that originally began as a book study group based on the works of Daniel Quinn’s Ishmael and later, his other books. This evolved into a discussion group concerned with cultural collapse, environmental collapse and sustainability. This group of friends has maintained relationships with one another since 1997. Many, many people have come and gone in the group, partially due to the mobility of our culture. We had a picnic in the park today and talked about how we came into the group and what made us stay. Over the years we’ve talked about deepening our commitment through tribal ventures, community, etc. None of that has really happened on a grand scale but what has survived is the give support-get support that Quinn talks about in his books.
That brings me to SCOD. i was drawn to SCOD because of the similarities. We don’t have the luxury of physical closeness that my orignal group has (although some of us in our Ishmael group are several miles from each other) since SCODians are spread all over the country… and some outside the country. However, because of the internet we are able to share things on a daily basis. We can ask for advice, learn new things, share our own experiences and ideas. …or just be there if someone needs a friend. Developing local groups is the best way to create commitment, but not always feasible. The SCOD village and pub would make a huge difference as a place to bring all these practices into fruition. There are so many talented, active, caring, sharing people in this group and it would be awesome to get lots of them together in one place.

It is my hope that for those of you that are able, to reach out and be there for each other. As time goes by you will find it is one of the best investments you’ve made in your life. But for now i am content to have all of you people as my friends. Thank you for enriching my life so much and helping me to continue to grow.”

– Karen Boe

SCOD Medieval to Victorian Shift 2013

Posted in Medieval Tavern, SCOD Thesis, Victorian Tavern with tags , , , , , , , , , , on May 13, 2013 by Drogo

I am putting my plans and dreams for establishing a Medieval Tavern on hold indefinitely. If I had at least an equal business partner willing to meet me half-way on producing designs, plans, and investments; then I would do it. I have not been able to find such a business partner, and so therefore I was not willing to do it myself; as the risk and stress would have been too much for someone that is not rich. I had already taken out loans for college and car, that I struggled to pay. Now that I have greater financial stability and resources, I am not willing to pour all of my savings into a Medieval Tavern; because I would need to take out another loan, and even if I could make a working business, there is a good chance that business would not make net earnings the first few years (it would be in the red). With what would I pay the loans back, if the gross earnings went into paying only the utilities and employees? Business schools generally teach that most new businesses do not start covering costs, until several years later; some close before that, and others go bankrupt.

For many years I have had some loyal and interested friends, that worked on some of the concepts with me; however it takes more than the occasional comment of encouragement or critique, to match what I had designed, planned, and was willing to invest. I have realized, the hard way, that even creative people that can understand what an awesome idea it is, are probably not going to commit to such a major life project (by commit I mean spend most of their waking days on it like I have often done). Most people have their own lives and dreams, that they may or may not pursue. I have yet to find anyone as intent on making a Medieval Tavern as I have been, and I accept that may be the case until I die.

Yet because I am stubborn when it comes to dreams, I am transferring my SCOD efforts from the Medieval Tavern, to the potential for a Victorian Tavern, Tea-House, or Tap-Room. I have a house that was built in 1908, and has a Victorian first floor interior. There is parking along the streets nearby, and the town is the historic tourist town of Harpers Ferry; so there are already successful bed & breakfasts. In fact we had a B&B in our house for years, among other businesses. So it is more likely I will be able to achieve a Victorian Establishment of some kind, before I die; without as much financial backing, and less partners. I will be starting this new dream based on current and future conditions, and no partners (for now). Some dreams we live with, are in fact, in part, already a reality.

– Drogo Empedocles

0313131645

Pub Business Plan

Posted in Economics, Pub Library, Victorian Tavern with tags , , , , , , , , , , , , , , , on May 7, 2013 by Drogo

So you want to open a Medieval, Victorian, or Fantasy Pub? So do I. Here is a step-by-step list of a typical business plan for opening a pub.

1.  Location, location, location. Town, County, State. Near a highway. Enough space, at a reasonable cost (low monthly fees: mortgage, lease, rent, utilities, etc.). Easy access Parking.

2.  Get a business license, liquor license, insurance, inspections, permit for a club, and whatever else is needed legally in that location.

3. Order enough beer, liquor, wine, and a few food items to last a month or two; always keep stocked, and sell it for more than you pay for it.

4.  Advertise locally, in print, and on-line; with proper signage.

5.  Have a reason for people to come and keep coming back; quality food & drink; affordable costs; membership dues or benefits that other places do not offer; atmosphere and special social scene.

6.  File proper income taxes; accounting for employees and sales.

7.  Deal with problems as a benevolent over-lord.

Sounds simple doesn’t it? So why has it not happened yet? The problems come with the initial start-up costs and rent. Even with a steady stream of patrons, there is no guarantee that sales will cover the cost to run the place; and that is the big gamble – the risk.

ArmoryPub5

Two Simple Spiral Gardens

Posted in Arts (Design & Performance), Organic Gardens with tags , , , , , , , , , , on May 6, 2012 by Drogo

Two basic plans for spiral gardens. The green represents vegetation (herbs, flowers, grasses, shrubs, hedges, veggies, etc), the brown is for tilled soil edging (regularly cleared using hoe, mattock, etc), and the grey is the path made using gravel, bricks, blocks, tiles, sand, or whatever you want. The center of the designs can also feature sculptures, bird baths, etc….

Life Planning

Posted in Individuals / Members / Monsters / Creative Writing, SCOD Online School with tags , , , , on December 28, 2011 by Drogo

Written by Walton Stowell II

If you follow these steps for self-help writing, and actually write all your shit out; it should help you more than you may expect.

*

Chronological Timeline of your life; from birth to old age.

(include period titles, notes, ages, years in decades, etc)

*

Definitive Paragraphs

(write about each subject to self define the terms)

Life Goals, Values, and Vision

Happiness

Success

Income

Bills

Savings

Dependents (pets, kids, etc)

*

Current Schedule

Living Arrangements (renting, owning, shelter etc)

Apartment Rental Location (dont live near alcoholics if you are an alcoholic)

Area Ideas (list state, county, city, town, and subdivision options)

Look in Newspapers, Craigslist, Google, and use Real Estate Agents

Financial Management Ideas

Micro-Loans are best loans because there is more of a chance to pay them off.

List Mirco-Loan options in case you need them during hard times.

Loan Sharks, Collaterals, Cosigners, ways to pay off monthly payments

Draw Area Maps for driving tours and networking communication and transportation etc.

*

**  REMEMBER TO FOLLOW IT BY RE-READING WHAT YOU WRITE!

Federal Student Loan Secrets

Posted in Education / Schools, Legal / Laws, SCOD Online School with tags , , , , , , on September 26, 2011 by Drogo

I was never told and there is no info about Loan Forgiveness dates for Low Income on my Federal Loan Repayment Website, so for 10 years i have been struggling to repay thousands of dollars that i dont have based on an uneducated choice i made to attend colleges i did not know i would not be able to pay off within the ‘average 10 years’. I never found that ‘promised magic job’ that my father had. I might have been able to pay rent or afford health insurance if i had known about Loan Forgiveness deadlines.

I just heard on NPR that the Department of Education’s Community Service Loan Repayment plan has been in the works since 2009, but there is still no info about it on my Federal Loan Website. I will seek out more information about these ‘secrets’ and post them below. Here are the important issues that every college graduate with a Low Income should know about, but we have not been educated about:

1. Community Service Loan Repayment Plan

(after 10 years or 20 payments?)

2. Low Income Loan Forgiveness Deadline

(after 20-25 years?)

*

According to the official White House Government website:

Under this new law, students enrolling in 2014 or later are offered this option –

Forgive Any Remaining Debt after 20 Years, or after 10 Years for Those in Public Service: Borrowers who take responsibility for their loans and make their monthly payments will see their remaining balance forgiven after 20 years of payments, reduced from 25 years in current law.  Public service workers – such as teachers, nurses, and those in military service – will see any remaining debt forgiven after 10 years.

*

Federal Student Aid Information Center
1-800-4-FED-AID (1-800-433-3243)
This is a toll-free number.

Direct Student Loans – 1800-848-0979

*

After calling both numbers above, they told me all their information is available online, easy, and straightforward not requiring a business or law degree to understand. Ha!  The Education Department was un-apologetic and said “Most people pay the loan off in 10 years.”  Thanks for that.

The White House and the Education Department call it “Community Service” but you cannot find it on the Direct Loan website by searching for that; they call it “Public Service” Loan Forgiveness Plan.

*

From the Federal Direct Loan Servicing Page:

Can my loan ever be discharged?

Yes. A discharge releases you from all obligations to repay your loan. Your loans can be partially or totally discharged if:

  • You become totally and permanently disabled. This cannot be for a condition that existed at the time you applied for the Direct Loan unless a doctor certifies that your condition substantially deteriorated after the loans were made.
  • You are unable to complete a course of study because your school closed or because your school falsely certified your eligibility.
  • Your school signed your name on the loan application or promissory note without your approval.
  • You were a victim of identity theft.
  • Your obligation to repay your loan was discharged in bankruptcy court proceedings. This may occur when conditions of extreme financial hardship are present and a judge orders the discharge of the loan(s) in an adversary proceeding.
  • You die.
  • The student for whom a PLUS Loan was obtained dies.
  • You taught in a selected low-income school for 5 consecutive years. You must also have received new loans after October 1, 1998 and have no outstanding balance on a Direct Loan or FFEL Program loan disbursed before this date. For more information on eligibility requirements for Teacher Loan Forgiveness, please click here.
  • You are and/or were employed in public service field(s) considered eligible under the Public Service Loan Forgiveness Program, during which time you made 120 separate qualifying monthly payments through an eligible repayment plan after October 1, 2007. You must also be employed in a qualifying public service job at the time of your application for forgiveness and when any remaining loan amount is forgiven. For more information on eligibility requirements for the Public Service Loan Forgiveness Program, please click here.
  • You are due but are unable to obtain a refund from your school on your Direct Loan.
  • You have a Consolidation loan obtained jointly with your spouse and one of you dies or becomes totally and permanently disabled.
  • You have a Consolidation loan that includes a Federal PLUS and/or Direct PLUS loan borrowed for a student that has died. The portion of the Consolidation loan attributable to the student that has died may be discharged.

*

Repayment Plan

Changing repayment plans is a good way to manage your loan debt when your financial circumstances change. For example, you can usually lower your monthly payment by changing to another repayment plan with a longer term to repay the loan. There are no penalties for changing repayment plans.

The Direct Loan Program offers the following repayment plans:

  • Standard Repayment Plans
    • Non-Consolidation Loans – fixed payment for up to 10 years.
    • Consolidation Loans – fixed payment for up to 10 to 30 years based on total education indebtedness.
  • Extended Repayment Plans
    • Extended repayment terms are available to Direct Loan borrowers with no outstanding principal or interest balances as of October 7, 1998 and with more than $30,000 in Direct Loans.
      • Fixed Monthly Payment Option – fixed payment for up to 25 years based on Direct Loan balance greater than $30,000.
      • Graduated Monthly Payment Option – smaller payments at first that increase every two years, for up to 25 years based on a Direct Loan balance greater than $30,000.
  • Graduated Repayment Plans
    • Non-Consolidation Loans – smaller payments at first that increase every two years for up to 10 years.
    • Consolidation Loans – smaller payments at first that increase every two years for up to 10 to 30 years based on total education indebtedness.
  • Income Contingent Repayment (ICR) Plan
    • Payment amount is based on a borrower’s family size, annual Adjusted Gross Income (AGI) and the total amount of the borrower’s Direct Loan(s). This can vary year to year for up to 25 years. The ICR Plan is NOT available to a borrower with a Direct PLUS Consolidation Loan(s) made before July 1, 2006 and/or a Direct PLUS Loan(s) made to parent borrowers. However, a borrower is eligible to repay any Direct Consolidation Loan(s) made on/after July 1, 2006 under the ICR Plan even if it includes a PLUS Loan(s) made to parent borrowers.
  • The Income-Based Repayment (IBR) Plan
    • An alternative to the Income Contingent Repayment (ICR) Plan. The IBR Plan is designed to make repaying education loans easier for students who intend to pursue jobs with lower salaries, such as careers in public service. It does this by capping the monthly payments at 15 percent of your discretionary income (the difference between your Adjusted Gross Income and 150% of the poverty guideline for your family size and state of residence). You must have a partial financial hardship to enroll in the IBR Plan. If you are married AND file taxes separately, only your income will be considered when calculating your IBR payment amount. Like ICR, after 25 years of qualifying repayment, any remaining balance on the loan will be forgiven, but you may have to pay taxes on the amount forgiven.

The Direct Loan Program previously offered a range of grandfathered repayment plans prior to 9/10/2007. Borrowers who had already entered repayment on one or more of their loans prior to 9/10/07 and who have one of the grandfathered plans already assigned to their loans remained on those plans. In addition, subsequent loans that are disbursed for those borrowers will be placed on the same grandfathered repayment plans. Please note that if at any time borrowers elect to update their repayment plans, they will only be able to select from the new repayment plans. In addition, once they have changed their repayment plan, they will not be able to return to one of the grandfathered repayment plans.

  • Standard Repayment Plans – fixed payment for up to 10 years.
  • Extended Repayment Plans – fixed payment for up to 12 to 30 years, depending on the total amount a borrower owes.
  • Graduated Repayment Plan – smaller payments at first that increase every two years for up to 12 to 30 years, depending on the total amount a borrower owes.

Please contact the Direct Loan Servicing Center if the above plans do not meet your financial needs.

NOTE :

“Like ICR, after 25 years of qualifying repayment, any remaining balance on the loan will be forgiven, but you may have to pay taxes on the amount forgiven.”

*

“The borrower must have made 120 separate monthly payments beginning after October 1, 2007 on the Direct Loan Program loans for which forgiveness is requested.” = 2017 would be the earliest a loan could be forgiven.

*

(more information to come)