Java Zen:Thinking Out Loud Wednesday, 2026.07.15 
When you get what you want in your struggle for self
And the world makes you king for a day,
Just go to the mirror and look at yourself
And see what that man has to say

For it isn't your father or mother or wife
Whose judgment upon you must pass
The fellow whose verdict counts most in your life
Is the one staring back from the glass

You may be like Jack Horner and chisel a plum
And think you're a wonderful guy.
But the man in the glass says you're only a bum
If you can't look him straight in the eye.

He's the fellow to please - never mind all the rest,
For he's with you clear to the end.
And you've passed your most dangerous, difficult test
If the man in the glass is your friend.

You may fool the whole world down the pathway of years
And get pats on the back as you pass.
But your final reward will be heartache and tears
If you've cheated the man in the glass.

		Dale Wimbrow, 1895-1954

2006.06.17

Modern Day Marshalsea

While on a recent trip I found myself short of cash. “Not to worry,” me thinks. “A convenient cash advance from my credit card and all will be set right.” And so it was, until I got my credit card bill. I hadn’t done any kind of cash advance for years, as in 15 years. Having learned early about the black pit that is “Credit Card Debt,” I vowed to myself as a young lad never to fall into that dark, unholy place again. Since that day, I’ve paid my credit card balance in full each month.

But there are new rules (new to me, anyway) about cash advances. Not only do you pay a “fee” for the cash advance transaction, $20 in my case, but the damn thing is subject to immediate and Draconian finance charges. Check out the APR put in place by a simple cash advance:

Ouch

It would seem with the recent changes in bankruptcy laws (aggressively lobbied for by the banking and credit card industry) and the ability to jack interest rates to such obscene levels, the credit card industry has successfully pilfered the signage above the very gates of Hell: “All hope abandon, ye who enter here!” All the more reason to be mindful of the benefits of hard work and grateful I can pay my balance in full each month.

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