Wednesday, August 03, 2005

A Place for Your Stuff

with apologies to George Carlin

Today's menu, all made with some combination of pate a choux and pastry cream, and all done in miniature (one or two bites) size:
  • Eclairs: long, thin, filled with chocolate pastry cream and topped with a lengthwise stripe of chocolate fondant
  • Salambos: shorter and fatter than an eclair, filled with pastry cream flavored with kirsch, topped with caramel and a toasted almond to cover the hole into which the pastry cream was piped
  • Chouquettes: cream-puff shape, filled with hazelnut pastry cream, topped with a combo of nuts and large-granule sugar (before baking), and dusted with powdered sugar
  • Paris-Brest: ring of choux, piped with a star tip and topped with almonds before baking, cut in half like a bagel then filled with six blobs of a mixture of pastry cream, buttercream, and praline paste
We also made blueberry filling, which we'll use tomorrow for blueberry tartlets, and a batch of buttercream, which I have to say I didn't like all that much. WAY too much butter in the recipe for my taste; I much prefer a higher sugar content and much less butter.

I'm still thinking about Larry's comment to the last post, too. As I noted in my comment, I do think he's exploited, in some sense of that word, even if not in the same way that a migrant worker or factory worker might be exploited. He's certainly alienated from his labor, in the classic Marxist sense. It's not clear to me just how much we owe to people who are exploiting us, particularly when they are paying us "well," in some sense of that word. For my own sanity, I typically try to do a good job--anything else starts making me really hate myself and the whole world around me. One might also "work to rule," however, and not give any freebie extras to a company/situation that is exploitative. I don't know how to tell other people what to do, in these cases. Despite its faults (and they are many), my current company is allowing me to work half-time while I go to school; it's worth pointing out that my half-time pay is still probably going to be higher--depending on what kind of job I get, possibly substantially higher--than I will make as a full-time pastry chef. It's absurd to me that that's so (for reasons that I'll get to in yet another post), but there it is.

I don't know how to convince people when, how, where, or why to take a different stand. I've never worked for a big company (other than short stints in fast-food emporia many years ago), I've been valued by my bosses (though typically not by higher-ups in a given organization), and I've made a comfortable living (though, I've found out, often less than (a) I could have negotiated or (b) my coworkers were making). I've never had a dependent. I am, in many ways, very very lucky. On the other hand, I've changed "careers" multiple times, and not always by choice; I've acquired and paid off a big chunk of debt for a degree that I have never used and for which I'll have even less use now; and I've accepted that the choices I've made mean that I'm never going to be wealthy (and I mean industrialized-world wealthy, of course; relative to the poor parts of the planet, I'm already extremely wealthy). Not everyone has the freedom to make the choices I've made, even as I've had a hand in creating a very small part of that freedom.

I've also seen people get trapped (I don't think Larry is one of them, however)--not by the need to support the people who depend on them, but by the need to maintain a certain lifestyle. They have to have new cars, new this, new that, and they carry a lot of consumer debt to do so; this, in turn, means they have to keep the job they hate, because they make a lot of money at it and they'd be hard-pressed to get a more-fun job at similar pay. (A friend who is now a grad student spent a couple of years as a banker, pretty much by accident; he finally quit because he didn't like it all that much, and he saw that he'd have to start buying a certain amount of Stuff, and then he'd have to keep the job to pay the mortgage and so on. He's not a materialistic person, so Stuff didn't have much intrinsic appeal to him, but he worked with people who acquired Stuff the way some of us breathe.)

Really, one of the challenges that C and I face now is not buying Stuff. I can talk him into just about any purchase, in part because I'm usually the Voice of Fiscal Reason, which isn't much help when I'm not listening to that voice myself. But we plain and simple can't afford it now. We've got two weddings coming up in the next six weeks, plus his son's birthday, plus finish paying for the bookshelves we ordered--and who knows whether I'll keep getting paid. All this to say that I decided to hold off on buying the digital camera I'd like to have to take pictures of my baked goods. I'd talked him into it, but, on looking at reality, we really shouldn't do it right now. If the investors come through? If I get some back paychecks? Sure; I'll be clicking away in no time. I don't think this is particularly meritorious behavior on my part, I might add: but I do think there are many people who would throw it on a credit card and not think twice, and then they have to keep the job they hate in order to make the payments. I don't want to get caught up in that--that is, it's fear on my part, not some kind of moral superiority or self-righteous abstemiousness, that keeps me from spending more money than I think I can afford now. But, hell, most of you are on the same page here, so this has a little bit of preaching-to-the-choir, doesn't it?

55 Comments:

Blogger Billy said...

Hey, you have a great blog here! I'm definitely going to bookmark you!
I have a new jersey debt consolidation loan
site/blog. It pretty much covers new jersey debt consolidation loan
related stuff.

Come and check it out if you get time :-)

1:11 AM  
Blogger Funclub said...

This blogstuff is great just looking around yours I have one too free quote debt negotiation I have a website dedicated to gettin people out of debt all free info free quote debt negotiation

10:18 AM  
Blogger Protoss said...

Realize Your Potential
by: debt consolidation loan online

In order to succeed at anything,
you need to see that you have the
potential to reach your goals.
For example, if you want to be a
recording artist but have no singing
ability, having success in this field
is not likely.

However, if you love working on cars
and have a real talent for fixing
engines and transmissions, and to you,
success would mean working for NASCAR,
you have potential to learn and achieve
that success.

debt consolidation loan online

5:05 AM  
Blogger Charlie said...

Hi,
Do think you could get a banker's desire to force money into your laps?

memphis car finance enligtens about memphis car finance

6:57 PM  
Anonymous Anonymous said...

online credit repair help Get out of debt forever! online credit repair help

7:14 PM  
Blogger Johnny said...

Hello, just visited your blog, it's geat. I also have a military loan related blog with some useful articles about the topic. Hope that it is helpful to you.

11:04 AM  
Blogger De Post Man said...

Informative post. Take a look at my credit site ( http://mortgage.27days27gurus.com/ ) f you can. Thanks bad credit car loan

4:41 AM  
Blogger Greater Spire said...

Stop Complaining
by: bad consolidation credit debt loan unsecured

You might think there is no correlation
between complaining and success when in
fact there is a connection. When you
are spending time complaining about the
obstacles you are facing, you are wasting
so much time being negative that you are
actually loosing chances to move forward.
Instead of thinking of challenges as
problems, think of them as opportunities.

bad consolidation credit debt loan unsecured

6:46 AM  
Blogger Zerg Hydralisk said...

Learn from the past
by: card consolidation credit debt loan relief

Everyone has failures or mistakes
from the past. To have success,
you need to learn from your past
and value those difficult lessons
but do not every dwell on the past.
Simply move forward and make better,
more educated decisions from the
lessons learned.

card consolidation credit debt loan relief

9:37 PM  
Anonymous Anonymous said...

Hey, you have a great blog here! I'm definitely going to bookmark you!

I have a Loan site/blog. It pretty much covers Loans related information. We provide online applications, business, residential, we do all loans.

Come and check it out if you get time :-)

12:40 AM  
Blogger blaze said...

Great site. I am very interested in consumer credit services and have also tried to set up an informative site about consumer credit services please feel free to check it out and make any suggestions.

4:25 AM  
Anonymous Anonymous said...

Very intersting debt consolidation loan blog. You might like this debt consolidation loan site helpfull : **LoanLearner.com**

4:59 AM  
Blogger David said...

Hey, you have a great blog here! I'm definitely going to bookmark you! I have a best debt consolidation Site. It pretty much covers best debt consolidation related stuff.

2:09 AM  
Anonymous Anonymous said...

debt consolidation help will help you get out of debt forever! debt consolidation help debt consolidation help

9:46 AM  
Anonymous Anonymous said...

Hey good post. Look at my site if you can. Thanks! make extra money

2:54 PM  
Blogger Gordon said...

Just visited your blog, it's great. I have a jobs seeking website which is informative and you can find info of different job natures, hope that it will be useful in your job seeking

10:42 PM  
Anonymous Anonymous said...

Nice post. harris bank

5:53 AM  
Anonymous Anonymous said...

Hi :)

You have a great blog! Keep up the great work, and I'll be sure to visit regularly.

I have a business degree online related site, check it out if you get some time!

Look forward to reading more of your insightful post!

8:00 PM  
Anonymous Anonymous said...

Awesome site. I bookmarked it for future use. I also suggest you check out adult play toy

6:59 AM  
Blogger aajkal20 said...

informative site....will visit soon again Term Life Insurance Quote

8:10 PM  
Blogger EQ said...

The U.S. Government is the nation's largest provider of financial assistance to women & minority owned small businesses. The U.S. Small Business Administration (SBA) is Congressionally mandated to assist the nation’s small businesses in meeting their financing needs. The SBA has small business loan programs and services to meet most small business needs. More information on U.S. Government Small Business Loans can be found at **www.SBASmallBusinessLoans.com**

How do Government SBA Small Business Loans work?

When a small business owner applies to a lending institution for a business loan, the lender reviews the application and decides if it merits a busiuness loan or if it requires an SBA guaranty. SBA backing on the business loan is then requested by the lender. In guaranteeing the business loan, the SBA assures the lender that, in the event the borrower does not repay the loan, the government will reimburse the lender for its loss. By providing this guaranty, the Small Business Administration helps tens of thousands of small business owners get financing they would not otherwise obtain.

How much money can I borrow?

Here are a few examples of what you can get from SBA small business loans programs:

7(a) Loan Guaranty Program

The 7(a) Loan Guaranty Program is the SBA's primary small business loan program. A maximum loan amount of $2 million has been established for 7(a) business loans.

Low Documentation Loan (SBALowDoc)

SBALowDoc is the SBA’s quick and easy program that provides a guaranty on small business loans of $150,000 or less. Once you have met your lender’s requirements for credit, the lender may request an SBALowDoc guaranty for up to 85 percent of the loan amount. You complete the front of a one-page SBA application, and the lender completes the back. At SBALowDoc centers, the agency processes completed applications within 36 hours.

SBAExpress

This method makes it easier and faster for lenders to provide small business loans of $250,000 or less. The SBA provides a rapid response through its PLP processing center in Sacramento, Calif.— within 36 hours of receiving the complete application package. Lenders use their own procedures to approve and service the loans.

CommunityExpress

The CommunityExpress pilot program is designed to spur economic development and job creation in untapped rural and inner city communities by providing loans and technical assistance. Loan proceeds may be used for most business purposes, including start-up, expansion, equipment purchases, working capital, inventory or real-estate acquisitions.
To be eligible for CommunityExpress, current or prospective small businesses must be located in low- and moderate-income urban and rural areas.

While CommunityExpress is similar to SBAExpress, here are some differences:

• CommunityExpress focuses on predesignated geographic areas that primarily low- and moderate-income urban and rural areas.

• The maximum loan amount under CommunityExpress is $250,000.

• CommunityExpress lenders, together with the National Community Reinvestment Coalition, provide hands-on technical training and support, both before and after loan closings, through community-based, nonprofit NCRC member organizations.

7(m) Microloan Program

The SBA’s Microloan Program provides very small loans up to $35,000 to small businesses and not-for-profit child-care centers through a network of locally based intermediary lenders. In addition to making the loans, the intermediaries provide management and technical assistance to microborrowers and potential microborrowers.

What can I use the loan proceeds for?

You can use an SBA small business loan to:

• expand or renovate facilities;
• purchase machinery, equipment, fixtures and leasehold improvements;
• finance receivables and augment working capital;
• refinance existing debt (with compelling reason);
• finance seasonal lines of credit;
• construct commercial buildings; and/or
• purchase land or buildings.

How do I repay the loan?

The length of time for repayment depends on the use of the loan proceeds and the ability of your small business to repay the loan.The term is usually 5 to 10 years for working capital, and up to 25 years for fixed assets such as the purchase or major renovation of real estate or purchase of equipment. There are no balloon payments, prepayment penalties, application fees or points permitted with these small business loans. Repayment plans may be tailored to each individual small business.

How do I get started?

You submit a business loan application to a lender for initial review. If the lender approves the business loan subject to an SBA guaranty, a copy of the loan application and a credit analysis are forwarded by the lender to the nearest SBA office. After SBA approval, the lending institution closes the business loan and disburses the funds; you make monthly loan payments directly to the lender. As with any loan, you are responsible for repaying the full amount of the loan. Visit **www.SBASmallBusinessLoans.com** for more info.

8:15 AM  
Blogger aajkal18 said...

Now a days more and more people are presenting their properties on the Internet, where the buyers are searching online its called as For Sale By Owner . The majority of purchasers check the Internet before they buy. This is the main media for selling your home or property. Photographs of your home, both inside and out, can be included so that the buyers can take a look around FSBO From Cris Rock

8:23 AM  
Blogger Goodman441 said...

Hello, this is a great blog on stafford loan, Please visit my site when you get a chance at http://www.loanofficial.com

12:52 AM  
Blogger TechDown said...

I really enjoy your blog. I wanted to let you know I've found some great info about International Student Loan
at International Student Loan
. Check it out and keep up the great blog.

9:06 PM  
Blogger atoztexan said...

Hello, I really enjoy your blog … I’m going to bookmark it.
Your visitors may also enjoy another site about business loans.
It can be found by clicking here...
business firm loan

4:53 PM  
Blogger atoztexan said...

Hey, Great Blog!
Your visitors may also enjoy visiting this site.
business working capital loan

2:20 AM  
Blogger Editor Choice said...

Nice Blog, well done.
Here an interesting Site regarding:
Debt Consolidation, Debt Consolidation information, Personal Debt Consolidation, Debt Settlement

9:39 PM  
Anonymous Anonymous said...

Hey, you have a great blog here! I'm definitely going to bookmark you!

I have a t shirt designholden t-shirt site called Holden Tees. We're a small company and we sell shirts and stuff.

Come and check it out if you get time

-Holden Tees

11:36 PM  
Blogger Mortgage Center said...

Hi Thanks for your interesting blog. I also have a blog/site, covering mortgage calc related stuff. Feel free to visit my mortgage calc site.

6:36 AM  
Blogger Credit Center said...

I just came across your blog and wanted to drop you a note telling you how impressed I was with the information you have posted here.
I also have a web site & blog about credit cards for bad credit so I know what I'm talking about when I say your site is top-notch! Keep up the great work!

12:02 PM  
Blogger Car Loans Home said...

Hey, you have a great blog here! I'm definitely going to bookmark you!

I have a car cheapest loan
site/blog. It pretty much covers car cheapest loan
related stuff.

Come and check it out if you get time :-)

7:01 PM  
Anonymous Anonymous said...

Many reputable debt management companies can help you deal with your debt problems. You can work with a credit counsellor to create your own plan to pay off bills.
financial freedom
Debt Resources Services.

10:18 AM  
Anonymous joel said...

Debt reduction can be done in many ways. A recent method being used is to buy some debt reduction software. You can purchase debt reduction software online or at a computer software store. The software usually comes with a debt reduction calculator to help you decipher how quickly your debt will be paid off in accordance to your monthly balance payments. Similarly, there are also debt reduction books you can purchase at your local bookstore. The best route for help with debt reduction is to go to see a credit counseller or a debt reduction counseller.
counselors
Debt Resources Services.

7:16 AM  
Anonymous Anonymous said...

Debt elimination services can help consumers who have more debt than they can manage look into options of reducing or negating that debt. When searching for debt elimination, consumers should seek an agency that offers debt counselling and guidance based on an individual's unique circumstance.
tax debt help
Debt Resources Services.

10:54 PM  
Anonymous joel said...

Many reputable debt management companies can help you deal with your debt problems. You can work with a credit counsellor to create your own plan to pay off bills.
tax debt help
Debt Resources Services.

12:11 AM  
Anonymous Anonymous said...

Online debt consolidation information is availiable through many internet sources that specialize in assisting many American households in managing or eliminating their outstanding debt.
christian debt help
Debt Resources Services.

3:39 AM  
Anonymous joel said...

Debt elimination services can help consumers who have more debt than they can manage look into options of reducing or negating that debt. When searching for debt elimination, consumers should seek an agency that offers debt counselling and guidance based on an individual's unique circumstance.
overspending
Debt Resources Services.

4:40 AM  
Anonymous Student Debt Consolidation said...

I was looking for more info on student loan programs and came across this site.Aloha, Terrance student loan programs

1:44 PM  
Blogger jeffP said...

Well I just got back from racquetball and I am beat. I am currently doing some research and stumbled across your blog. Which makes me laugh really. The web can certainly land you off base sometimes. Even though your site is not completely related I think it is a cool blog. I have read back through the archives and lots of people make some good points. Well I have been on-line forever it seems. I need to continue to plug away at consolidation debt online service. If you have the energy swing by http://www.debt-consolidationservices.com. I try to update my site weekly (most of the time)and maybe you will see something you like. I already grabbed your URL and put it in my favorites. If you do not mind I will be back again. Mint job!

1:21 AM  
Anonymous Debt Resources Services said...

Debt elimination services can help consumers who have more debt than they can manage look into options of reducing or negating that debt. When searching for debt elimination, consumers should seek an agency that offers debt counselling and guidance based on an individual's unique circumstance.
tax debt help
Debt Resources Services.

12:40 PM  
Anonymous credit card debt consolidation said...

Hello, I'm just a retiree from Missouri cruising around the net and looking for
interesting blogs. Came across your blog and thought I 'd say hi. Nice blog.

Regards,
Ron


debt consolidation maryland

10:13 PM  
Anonymous Finance said...

Hi All! Like your site. found it surfing for my favorite topic!! Keep sharing!
All the best,Small Business Finance

1:14 PM  
Anonymous Anonymous said...

Le�a otro blog anterior, y deseo que hab�a venido aqu� primero.Aloha, Scott goverment student loan consolidation

12:22 AM  
Blogger coutra said...

All I can say is this is a informative blog site! The other half and I just got back from our friends house (well actually my friends house) and I needed a HUGE break. I am working on a project right now that is based on consolidation counseling debt service. I have literally been on-line for 5-6 hours doing research. Even though your blog really isn�t on the same page as consolidation counseling debt service I am certainly happy I came across your blog. There are a ton of very good view points on this blog. Well I think I can here the kids calling for me in the background. I put you in my web favorites and I will certainly come back and visit. If you want to take a peek at my site you can find me here at consolidation counseling debt service. I update my site frequently. Again, great job with this blog and I will be back again soon!

11:51 AM  
Blogger Car Loans home said...

Hi Thanks for your interesting blog. I also have a blog/site, covering bad car loan
related stuff. Feel free to visit my bad car loan
site.

6:19 AM  
Blogger James Baker said...

Hi Fellow! I was just searching blogs,and I found your site! I like it!
If you have a moment, please visit my site:
debt consolidation loans no home
It covers debt consolidation loans no home related contents.
All the best!

7:27 PM  
Blogger Paul Adams said...

Hello Friend! I just came across your blog and wanted to
drop you a note telling you how impressed I was with
the information you have posted here.
I also have a web site & blog about second mortgage debt consolidation so I know I'm talking
about when I say yours is top-notch! Keep up the
great work, you are providing a great resource on the Internet here!
If you have a moment, please visit my site second mortgage debt consolidation
Best success!

10:24 PM  
Blogger sweetSteve said...

I really must say this is the best blog I have ever come across in a very long time. I am not just saying that either! I am studying for my associates degrees and spent the last 5 hours (and 12 cups of java) researching this area topic. Many blogs have very generic information but yours is very different. I can actually apply some of this information to my associate studies. No worries I will give you full credit in my references section.(I will even give you a link in my blog!) I took it upon myself to add you to my favorites and will visit back to let you know how my grade ends up. Thanks so much from!student loan debt consolidation calculator.

5:08 PM  
Blogger Rachel said...

Hi my friend! This is a good blog. I just got back home from shopping with the wife and decided to log in and do some internet surfing.(needed some time to myself if you know what I mean) I came across your blog and really enjoyed it. Not many people keep their blogs up to date and most of the blogs I do fine are not even relevant to the blog topic. I bookmarked your blog for future use.
Anyways keep up the awesome work and if you don�t mind I will forward your blog off to a few of my buddies. Thanks a bunch!credit card acceptance company

6:41 AM  
Blogger sweetSteve said...

I was expecting something very very different when I visited your blog site. Well I think the information on this blog is very useful. I have my own blog and I wish I got half as many useful comments as your blog site does. Anyways, I am a substitute teacher at a local elementary school and I am always doing research on various topics of interest. This weeks area relates 75% to your blog. I already bookmarked your blog for future use. If you want my information I will leave my link at the bottom of this. If you don�t mind I will add my comments to this blog topic once in awhile. Although most of the time I just like to read and see what other people�s thoughts are! (hey I am a teacher!)
Thanks again!consolidation consolidation debt debt loan student.

2:37 PM  
Anonymous Anonymous said...

I was looking for information on and it's amazing
how much crap there is out here and a lot harder to find the good stuff. Anyway
searching for , I came accross your site, not exactly what
I was looking for, but what a read. Thanks.

9:33 PM  
Anonymous Anonymous said...

With all the new laws implemented on bankruptcy, I've been reading
about all the latest on and ended up on your site. It's interesting to
see how Big Business supports getting into debt with a and
how the government itself gets farther into debt. Yet no one wants to take
responsiblity for it. (enough ranting) Thanks this was an interesting read.

6:11 AM  
Blogger Jason said...

I dig your blog. How long has it been on-line? Reason I ask is I am doing a ton of research in the area of consolidation debt help.info service and will probably end up starting a blog of my own. Funny how the internet brought me here when I was doing searches on consolidation debt help.info service. Oh well, I am glad it did. Keep up the great blogging and I am sure I will visit your blog again!! I mean I know I will stop by again.
I also sent it off to a good friend of mine.

p.s added you to my favorites take a moment to stop by consolidation debt help.info service for I update it frequently

8:22 AM  
Anonymous Anonymous said...

With all the new laws implemented on bankruptcy, I've been reading
about all the latest on and ended up on your site. It's interesting to
see how Big Business supports getting into debt with a and
how the government itself gets farther into debt. Yet no one wants to take
responsiblity for it. (enough ranting) Thanks this was an interesting read.

7:09 PM  
Anonymous Anonymous said...

I am out searching for the latest information on and
found your site. Although it wasn't exactly what I was looking for, it
certainly got my attention and interest. I see now why I found your page when I
was looking for related information, and I'm glad I stopped by even
though this isn't a perfect match. Great post, thanks for the read!

4:51 AM  

Post a Comment

<< Home