This photo was shared by Rusty in yesterday’s Smile post. Just to be silly, my husband and I, along with my sister on Facetime, started off 2024 on the right foot!

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Hope your ski mask keeps you from freezing on your way to the bank ... just -4jokes. I'm concerned about your debts: what kind of interest rates are you paying on them? Might some be for payday loans? If you pay $20. for $200. that's 10%, a bit high to use it for a year - but when it must be repaid in 2 weeks, that's 260% a year -- way, way too high! "Credit"/debt cards issued by stores usually run about 25 - 30% annual rate (calculated monthly, of course). Those cards issued by banks usually charge about 19 - 21% annual rate, again, calculated monthly. If part of the debt was for visiting bars, I hope you found that a bit boring, and remembered that booze consumed at home is much less costly ... and perhaps you were somewhat repelled by the disputes/fights behind bars? If your ski mask is related to a forced withdrawal from a bank, which must be done anonymously, of course, it must also be accompanied by continued anonymity. Quite a tall order, that! Lacking complete anonymity ... being forced to spend substantial time behind a different kind of bars is not enticing. Give the whole matter some thought as to whether a less risky, and preferable plus wiser course of action might be carried out. Do ya think? ole joyful

Rubbin’ and a scubbin’ my body takes a drubbin’. There’s spray in my eyes, spray in my eyes. If you think its easy, then go pick up a squeegee. There’s spray in my eyyyye eyes. tj