Perils of easy credit

I actually winced when I looked at my bank account today. One of the payday loan places that I had borrowed money from (yes – just 1 of them) had resubmitted a check for payment after I had paid my bank account’s overages off with my tax return.

Oh! The folly! I should have first went for my bankruptcy before I had placed my money in such a position, but I had thought the dust had settled, as it has been nearly a month since I had reached the point I could no longer service such debts honorably.

The lesson here isn’t about getting one over those businesses that exist to provide quick and easy and expensive loans of small sums. The lesson here is to avoid them at all.

Whether it is a pay day loan, a title loan, a store card, credit card, 2nd mortgage, equity line of credit … One must keep in mind always that credit is a tool, and should be used wisely. The best credit is used to purchase and further assets – a mortgage on a property for your business might be good if it increases revenue enough to cover itself. Or using a credit card to buy raw materials in order to produce products. The next best use of credit is for emergencies – in order to keep the day-to-day things going, to cover an accident, etc.


The time to walk away from any credit, though, is when it would be used to further luxury items that could not otherwise be afforded, or to further situations that are not practical.

My current payday loan situation started over a year ago as I was left stranded in an apartment after my room mates had left and the new room mates failed to work out. It would have been wiser to pack it up, rent a storage facility or sell furniture, and couch surf for those few months… But instead I pulled from one payday place, then another, and so forth.. And even after last years tax refund had paid most of it off, some were allowed to fester, and lead to an overly expensive Christmas 2015 and now financial ruin in 2016.

This mess is holding up funding for my designs. OWC is frozen waiting on that bankruptcy, which is now postponed by a simple blunder.


So beware the daemons you summon up to serve you, for you may end up serving them instead.


-Br Francis

The Grand Design

Some would call me mad. For the record, I am not even upset.

The grand design of OWC follows first from a simple idea – we all have needs in this life, especially a need of wealth/money/income/resources, and we will serve those needs until we build machines that serve them for us.

I have enjoyed the past 4.5 years in my current employment as a Level 1 Technical Support Engineer, but I have found both the requirements of the schedule to be crushing and the tasks of the job to be misaligned with my passions. I do thrive on assisting customers, but I also crave artistic and creative work.

The grand design is not so big – the plan is to create designs for T-shirts, posters, etc. and make them available via TeeSpring, DeviantArt, CafePress, etc.. Advertising my products on Facebook, Google, so forth. I only will have a few hundred dollars this year to put into these plans, as I am soon to enter bankruptcy to clear up bad debt, mostly payday loans.

But this is the start of my machine. I hope to replace punching this Tech Support clock with punching my own design clock, and then to replace the time clock entirely with – freedom. Retirement.

It would not mean the end of work, of making money by the sweat of my brow and the skills of my hands. It would only mean control end-to-end of the effort I make and the work I produce. Control of when I get up, what obligations I make for myself.

I want more time for my son. I want more children. I want to see new places and learn new things.

So this is my design for my machine. Maybe it will work, maybe it will fail. In either case I can learn and grow and build.

-Br Francis

Hello World!

Well, just check me out.. I guess.. LOL

My name is Brother Francis. I am an ordained Brother of the Universal Life Church, who enjoys spreading humor and wisdom as he goes through life.

I have a son in kindergarten, his lovely mother, and a girlfriend all that love me so much, and dreams of making a living from the designs in my head and the sweat, blood, and tears needed to implement them.

This is the 3rd or 4th launching of , and of OneWithCoolness as a company. I simply did not have the vision I had then, or the entire plan quite put together. I blame ADHD, the dog I don’t have, and the number B.

Nothing serious, just finally I feel I must go forth and see where this goes, I have grown tired of my current employment, and itch to create things, to try to bring light and beauty to whatever corner of the world I can. There is never enough hope, love, or prosperity – these can be delivered, created, instilled, but so often we do forget it.


So there’s my lofty ideals for a first post. OWC should be fully in motion Q2 of 2016. Might be Q3, depends. But definitely by Q4, so check me out in this space as you consider what to get your loved ones for winter holidays.


-Br Francis