Category Archives: Uncategorized

Nine O One


You’ve Read all my thoughts on everything else, so you can also Read my Thoughts about Religion. I don’t go to Church every Sunday, but to Deny the Presence of God and His Son’s Sacrifice would be ungrateful for my Life, Health and the extra Time given also Borrowed. I’ve been given  back my Life too many times to be Tunnel Vision, why should I not interject my Belief that I am a Believer. Consider the Children in Remission the ones who refuse to Die. People who have nothing left to hold on to but a Prayer. My Childhood friend’s Mother was Diagnosed with Cancer, she was given six Months to Live she Died of old Age. Her Beliefs were so strong she never missed a Beat in her daily routine.


The power of Faith have moved Mountains and parted Oceans. So who am I to be Naive to disbelieve. My Mother fell and shattered her Hip in so many pieces the doctors said she couldn’t survive the Operation they suggested medicating her and allowing her to Die. Having Faith and the Power of Attorney, I Autheorized the Surgery, she lived another seventeen years. My own near Death experiences have re-rattified my Faith, to all you nonbelievers please explain to me why am I still alive, nineteen eighty eight while working for Solomon Brothers Inc being a model Employee with an unblemished Record. I requested a transfer to the Company’s World Trade Center location. My transfer request was denied with no explanation. The Company lost nine Hundred Employees in the Disaster, I would have been 901.


I am a very observant person when it comes to life around me, things that People call inexplicably Occurances, I see as the Hand of Fate, Devine intervention and Providence. But these are just my own personal Thoughts. I am not trying to sell Religion or convert anyone, as the Song goes, save yourself cause I can’t even save myself, and the saying don’t expect help until you ask for it. Growing up I never would have thought myself speaking like this, I was the most Rebellious self Destructive nonbeliever that walked this Earth. I stole from the Church’s Collection, blaming God for our Destitute conditions at nine years old. Now look at me at sixty five a Model Citizen who never did one Day in Prison. All through my teenage Life I had aspirations of being a Gangster that was nearly fulfilled when three times recruited to sell Drugs, once by Organize Crime to the tune of five thousand Dollars per week.


How many Teenagers would have the insight and conviction to say no to such a lucrative offer making Bulk Drops, after coming up Dirt Poor. I thank God for giving me the Wisdom to stay the Straight and Narrow with all the Temptation of becoming a Drug Kingpin growing up in the Bronx. One of my Cousins took one of the Offers that I turned Down, made himself Rich, caught five Bullets and did fifteen years in prison. Those were my Bullets and my fifteen years. So you see God works in mysterious ways, words that stays in my Head, What good is a man if he gained the World but lost his Soul. I don’t write about Religion everyday, so you young Wannabes out there look at how my life could have been ten Million dollars later and the amount of people killed from my Drug Distribution on the Streets of New York City, if God and a Woman I called Mother had not noticed the good in me and intervened in my Life at an early age my Soul would have been Lost, for all Eternity.


You can’t teach an old dog new tricks because when they were younger they were complacent with their Driving habits and skills. After covering millions of Miles Driving Commercial and numerous Miles recreationally, I became an estute observer of my fellow Drivers. I came to the conclusion that someone needs to tell you that most of you are doing it all wrong. Lets take it from the stop Light, three Lanes of Traffic, all three lanes take off at the same speed watching each other’s speed, If one speed up the other two speeds up also, now we are back to square one only at a faster rate of speed travelling shoulder to shoulder. That’s not what good driving is about, someone has to be the Rabbit and some the Greyhound, that’s how a staggered formation developes. If the flow is not staggered impatient drivers in the back becomes antsy and begins to weave the Traffic. That’s how accidents are set up.


There are many of us who do not believe in relativity, as they say to each action there is a direct Reaction. If you Run the Gauntlet for two hundreds Yards , People wait for you to get within ten feet, then pull out. Consequences at 50mph can be Deadly. But that’s what you do when you set up a bad traffic Flow, someone comes Barreling thinking that they are going to get through before the gap closes up. The key word is Flow, a good Traffic Flow yields good Results, while a bad Traffic Flow gives consequences. Such as me doing sixty five on mushy surface turning into snow, deep into the Mountain more snow, I was now in three inches of snow. I kept control by pumping my Brakes three times and pulling off the Road to put my flashers on to warn other Drivers. Upon coming to a stop, 100yards of Highway Littered with Trailers and Cars some total all over the Road.


If I wasn’t paying attention or if I was doing 75 I would have been a part of it. Did I mention Bad Traffic Flow. At these Speed, Flow is almost Jedi Theory, when you are in a comfort Zone at 75 and not worrying that some Idiot is going to Pull in front of you and at 75 that’s a lot of stress put to rest. That’s is what Flow does at an Speed, eliminating near misses. In a good Flow pattern Drivers read other Drivers next move, you can’t ask for more than that. It’s understandable Driving Bumper to Bumper in Manhattan but when the Traffic allows, you need to develop a sensible Traffic Flow. I can not impress how important a good Traffic Flow is until you come around a Blind Bend to see Vehicles all spread out over the Highway and you are going too fast too close, now you are part of the mess.


A good Traffic Flow allows you to somewhat judged fellow drivers moves, sometimes there is no Traffic and they still make dumb moves. Traveling from Pennsylvania to Florida, I made it safe and sound to South Carolina, it’s been a Torrential Rain for the past Hour, ordinarily on an eleven hundred miles Trip on a clear Day I would be doing eighty in a seventy MPH Zone. Watching your speed is critical in developing a good Flow I was the lead car doing sixty five on a totally saturated Roadway. Up ahead I noticed a Truck two miles ahead, by the time I got within fifteen feet of him, for no apparent reason he chose to change lane and entered my lane. If I wasn’t traveling at a reasonable rate of speed and had to slam on my Breaks, I would have Rear ended him and caused a tremendous pile up with the cars following me. All I had to do travelling at a sensible rate of speed was to take my foot off the gas and all safe. Once more speed is critical for a good Traffic Flow, if every one in front of you is doing sixty to seventy and you come Barreling at eighty, you are not part of the Flow, you are the problem.

A Christmas Blog

Nearly homeless.
We were living in a lovely TownHouse renting yearly, then the owner died. Her estate was poorly managed, Real estate Speculators bought and flipped the house. The occupancy continued renting on a month to month lease that I fell asleep at the wheel on, once the owner died, I should have started making inquiries as to my position, and not waited for the house to go on the market. Nonetheless complacency is a human flaw many of us possess, and we don’t make moves that should be made until we are in a Checkmate position. Looking out for number one in a cold hearted World is job one. Real Estate Speculators are heartless and is only interested in making a Buck. When the new owner contacted me notifying me where to send the rent payments, he made it clear that he was an investor and not a speculator. The little weasel lied through his teeth just to have someone occupying the house until he found a buyer.


A year went by with me feeling snug as a Bug, then one day out of the blue, his office called to notify us that there would be people coming by to look at the house, and that they also were investors. Still the alarm didn’t go off in my head that the weasel was a Flipper. Well one fine day I was looking at being Homeless living on a month to month lease. One of the so called investors had bought the house and wanted to live in it, giving me thirty days to vacate, that is all I was entitled to living on a month to month. I was caught off guard with my pants down, thirty days is not enough time to go house hunting securing a lease pack up an entire household and move. I could have decided to battle them in Court, but that would have been a waste of precious time, knowing that all the Judge would have wanted to know is when was I moving out.


Upon receiving the letter to vacate, I stopped writing and went on a tireless campaign to put a Roof over our heads forty five days before Christmas. At one point I thought that I had to put everything in storage and be writing out of a Hotel Room. Truthfully the Hotel Room situation never crossed my mind because I believe in the power of faith and that the Lord do help those that help themselves. I knew that I would find a place to hang my Christmas lights like I have always done in celebration of the King of Kings Birthday.

Within one week of receiving my thirty days dispossessed notice, I viewed my first potential House on a short list of choice locations where I didn’t mind resting my Christmas lights. The first one I looked at was my Christmas gift wrapped in shabby Christmas Paper. The previous occupants were Pigs and the place needed sanitizing and cosmetics. My wife didn’t see what I saw in this abused little Gem. As I am writing this paragraph I can hear the words” I came to you dressed as a beggar and you turned me away”. After a week of negotiations it was a done Deal, I had a Door to hang my Christmas Wreath. After a couple of days cleaning and painting the beauty of this Eldorado was evident, and the greatest Christmas gift of my life was under the Tree. Thank you Lord.

Those Special Moments

It’s seven p.m. on St Pete Beach as a result of daylight saving time the sun is long gone, still that doesn’t stop me from sitting out here in the dark pondering my thoughts while I gaze on the infinite horizons. My main thought was how short, unpredictable un giving and unloving life can be. The way we waste our lives chasing a Buck forgetting to smell the Roses and soaking up moments like this. One of my special guest at the Resort is a local Lady who I met two years ago while her beloved husband was still alive, he passed a year ago after a long battle with cancer. I know that both her and the kids loved and misses him dearly and that life must go on.

I often wonder to myself if he was one of those guys who kept his nose to the Grindstone and never took the time to smell the Roses. I Know that his death has opened up her eyes to the unpredictability of it all, and the need to pamper ourselves with the most trivial of moments that should never be taken for granted, I am so happy for her when I see her here at the resort two or three times in one month soaking up the good life. When I see people living life and just existing from day to day in the Rut of rudimentary existence I grieve for them knowing that tomorrow could be just a fleeting illusion. It can treat you the same way the Ocean does a mighty Whale, high Tide pushes them to the Beach and then disappear leaving them ashore. So my advice to you is that you should always ride the Wave of your life, to the finest Beaches then catch the next one out to the horizon of your Dreams.


It was now getting darker strollers became fewer, a figure approached me as If to cast a shadow in the dark, as it got close I could see that the shadow was a young Boy. I said hello to both of them and struck a conversation of what a pleasure  it was to see Father and son sharing a moment like this. Knowing that time moved so fast, before you know it, moments like this could be a distant memory and they could be living hundreds of miles apart. Christmas and special occasions could be scheduled to availability, next thing you know we are going to funerals. The way we  take ourselves and each other for granted is nothing short of negligent. We are always too busy doing life and not living it, sometimes it seems to me like we work ourselves into the ground. Working in the Resort business is very demanding,  but I always find time to Write and create moments like today. Because tomorrow is promised to no one.

My Thoughts A Book Of Thoughts

Blogging is a true form of self expression,  unlike making entries in a Diary. It allows you to form an opinion, discuss and review your thoughts on any subject matter. I try to weave my thoughts into a  short story with five hundred plus words. My Blogs are challenging but worth the effort of divulging my life’s experiences to others in need of guidance in the subjects that I write about. Websites crash far too frequently for me to trust valuable information on. I am presently battling my Host for total control of, writing an ebook is my back up storage. owning the Book is your piece of History in case the Site is ever obliterated by my server who appears to want me to be at their mercy. I am already developing plans for a new website if present relationship can’t be dissolved quickly. Owning my Blogs on Amazon Kindle would be a great way to help developing a bigger and better thanks for your help, this site has been 100% financed by me for your benefit. Contributions are welcome at PayPal.



My Thoughts: A Book Of Thoughts



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Breaking Away

Why would someone not want to spend an early afternoon filming Butterflies , and watching someone doing something they have wanted to do in 25 years. Engulfed in making a living can rob life and precious time. In my lifetime I’ve heard many stories of people working all their lives, amassing wealth and dies leaving what they can’t take. In so doing someone else enjoy’s what you never did. That’s  not what life is about. It’s bigger than you and I. If you don’t suck it up it will suck you up. usurp and discard you at will. Twenty-five years  in the same place without breaking away for a Week end, a week or two, will leave you off centered, I have Hiked Trails where only Billy Goats dare.When I lived in Pennsylvania I fished the mighty Susquehanna Riverbank that have risen sixty feet, around bends during floods, I have seen House floating when Rivers angry.

Where I fished there are Telegraph Poles protected from Time and stands today, it seems that Life  had grown around them and forgotten by time. They have scars of spike where people climb and cut the wires  (no wi-fi)to hinder Civilization and Progress. I now live eighteen hundred miles away, but it’s still one of my secret places among many others, That’s just how I see life and living it. My English Literature Teacher told me always seek to find out what the author is not saying. What I am saying is that you have to break the cycle or it will break you. Do I have to spell Vacation. In my neck of the woods Resorts are abundant  and so are   Waterways and Tributaries to loose yourself . People save for half a year to come where I work and Live. Did I make a wise decision to live where I do. Now I am taking the time to tell you about travel and it’s need. Remember Chevi chase family vacation, the family need to Gel sometimes.



You need to loose yourself, don’t surround yourself with yourself. The way I feel about breaking away, I should be selling vacation travels. Right now I am not connected. But from living and working in Paradise make me much an expert to give my way of travel. Don’t forget that Travel broadens  the Horizon. It might even give you balance. Whatever happens in Paradise make great conversation. I have no idea what kept me from thinking about Travels when my Mother used to come back from Cruise ships with Euphoric description of Elegance one should enjoy before they Died. Three weeks ago I visited the Florida Aquarium in Tampa, all I have to say is it’s a must see on the to do list, remember you only live once.

Chasing Moby



Most eight year old Boys are only are only interested in playing with their toys and their Dog. Not me when I was eight I was a mother’s worst nightmare. Once my mother was cooking, she walked away from the kitchen for two minutes, that was all the time I needed to create catastrophe. Inquisitive me had to know what was cooking in the boiling hot Pot, pulling it down on myself causing third degrees burn to the entire lower half of my body. At eight I was into everything that spelled danger. Several months earlier while walking the Beach I met a man called Lefty, the way he came by his name is nothing short of a horror movie.

Lefty was an avid Fisherman who preferred big Game fishing. One day while fishing in sixty feet depths a Marlin grab the bait connected to 100lb test line, lefty and I must have been born under the same Zodiac sign, the monster fish snapped the pole and took off still on the Hook. Lefty was of my same Heart, he refused to cut the line and live to fight another day. He wrapped the hundred pounds test around his arm just below the elbow. Well now you know how he got his name, the line cut straight through the bone like a Saw.

 At eight I was an avid Fisherman lefty had taught me all I needed to know how to catch fish using only a hook and line the same way he lost his arm. It was danger in the make for a child like me, thank God I could never cast my line beyond the Shores. One day while I was fishing the Shore, Lefty’s  Boat rolled ashore dragging the ocean floor, the reason why the Boat was dragging is that Lefty had caught a four hundred pounds Marlin. He threw me the morning line that almost killed me trying to secure the Boat, screaming help from the top of my lungs.

Help soon arrived to get the monster fish out of the Boat. When it landed on the beach with my clothes all wet from going out to get the rope to tie the Boat, I could not tell if I had peed myself with excitement. This was Baby’s big day out, as soon as that fish hit the Sand lefty was all over it with his Machete cutting sixty pound stakes. Whoever was there took home a sixty pound marlin stake. As if I didn’t work hard enough securing the Boat, now I had to get this slab of fish home all sixty pounds of me. I had no intention of abandoning the spoils that I had worked so hard for, I dragged it through the Sand and dirt the entire hundred yards home. I guess it was that early on that Mother knew that I was happening guy, that was afraid of nothing and probably would die early from adventurism. Luckily enough the following years didn’t  kill me so today I live three miles from the Gulf of Mexico. Coincident? I’m here looking for my Moby.

Forgive Me Lord



It’s eight A.M. Sunday morning, I look at the beautiful day that was unfolding over Tampa. The weather was perfect, I taught to myself this Would be a perfect day to go Fishing, but I knew that could never be, because this was just another work day for me. Working in the Resort business don’t allow me to be off weekends, you take whatever day given to you. Then I felt a moment of disgust, I taught to myself that I should be going to Church to give God thanks for all he’s given and done for me.



Then I began a silent prayer, forgive my in-gratitude that you have blessed me with another day to spread  enlightenment to my readers and fortunate to have great health at sixty four years old, one month away from my next Birthday and is able to continue working till my Health says otherwise. This is the focal point of this Blog, my Wife is forceful in matters of Health, she retired from the V.A. Hospital after twenty five years of seeing it all. Without her supervision I would not go to the Doctor every six months. On our last two check up our Doctor showered us with congratulations as to the conditions of our health and told us that she wished all her Patients were as healthy as we were.



In my Prayers I ask the Lord to forgive me for my ungrateful approach of self destruction by smoking Cigarettes since age fourteen and still  have not come to my crossroads. If I didn’t smoke I probably would live to be 100, my mother lived to be 97. I can’t in no stronger term vanquish you my young friends about picking up this dirty habit and to let you know that I find this Addiction to be as strong as any Drug addiction. As I continued praying I ask the Lord to help me to quit before I have wasted the great health that he’s given me to experience Longevity. A moment later I picked up my Phone and began to read Google news, there I stumbled upon the story of Brittney Beadle .



This is how it went . Britney Beadle does not put off anything for tomorrow. “Do it now”she advises. Live in the moment and enjoy your Life. In May 2015 Britney was diagnosed metastatic  (stage 4) breast cancer, at the age of 18. I felt I was alone, Britney says. There are some young women in their 20s who I found, but still no one who was my age young,  with breast cancer. By sharing her journey she hopes to help others in a similar position. Whenever  I have to go through a new treatment that’s really hard- like when I had radiation to my brain- I think, OK, this sucks. I have to do this. But you know what? I get to live. Then I taught to myself my God how callus I am with the perfect health given to me and how for fifty years I have tried my best to throw  it away. Once again thank you Lord and forgive foolish me



One Reader asked how do I compose myself to write. When I sit down to write it depends on what is going on in my mind. If something is pressing in my thoughts writing blogs about it is easy, I hold a pen and it’s like my thoughts control my hand. Many times I have written a blog without having to stop and think about what goes next. That’s because what’s on my mind whether voluntarily or involuntary, it comes out either verbally or literary  that’s what  writing is about, not researching others work and putting it to your words. When you do that you’re transcribing.



Blogging is a true form of self expression. What I like most about it is that I can write about people without sounding like a gossip columnist, people make the most interesting subjects, because they are the subject. They go from the very best to the very worst, as the saying goes People makes the world go round. I could be wrong but I believe that when you excell, you are obligated to set standards, especially if you are in the public’s eye or trust. For instance a business Manager, a public accountant or handling public Funds. Let’s not forget about famous Comedians and Movie Moguls. But as the  story goes People will always be who they are, untrustworthy and down right Thieves, like the Bank Teller who stole a Nickel,  Dime, quarter and so on from every stack until apprehended a hundred thousand dollars later.


They never cease to amaze me and that’s why I will always have something to say. Years ago there was the Dentist who while his Patients were compromised by aesthetics he would further compromise them with a lot of foreplay and hand Jobs, they would wake up hot and bothered. Now he’s sitting in a Jail cell being being bothered by his Cellmates. When I was sixteenth I could smell the Gin on my Dentist breath while he butchered me scaring my psych for life. How is that for  Hippocratic. Then there was the Pharmacist who turned up dead and buried in Hugo Zelenski’s backyard along with two or more known Drug Dealers, coincident? in all likelihood he was a supplier. I knew Hugo casually never asked him what he did for a living.  I would sit and talk about Horses at the Race Track with Hugo, never taught that ten years later I would be writing about him.



People give me things to write about. A Blog about Hugo is in the works, if you read my other Blogs you will see that I have known many people who are newsworthy. So there you have it in a Nutshell, there is always someone waiting around the corner to be written about.



Related Stories about unscrupulous people.
Currently, laws in place to protect child actors and their finances leaves 85% of their earnings up for grabs. And children who appear on reality television shows are, currently, not protected in any way.

Unfortunately, child actors from Hollywood’s past had to learn the hard way that not everyone is looking out for their best interests. Here are child actors whose parents squandered their fortunes.

Macaulay Culkin

A child star that the media continues to keep up with is Macaulay Culkin. The cute, fresh face of “Home Alone” stardom has appeared in a number of indie films over the years. But Culkin’s personal life has kept him in the headlines as well.

Culkin’s parents divorced in the late 90s, placing Culkin and his multimillion dollar fortune directly in the middle. After a bitter custody dispute and a fight for control over Culkin’s trust, the family accountant was put in charge until Culkin reached adulthood.

Culkin and his parents are, at present, estranged. But Culkin is no stranger to tabloid headlines. He was in a nine-year relationship with actress Mila Kunis. But after their breakup, Culkin’s health and alleged heroin addiction has come under fire.

Jackie Coogan And The Coogan Law

Discovered by Charlie Chaplin, Jackie Coogan’s appearance in “The Kid” launched a career that would span over fifty years. He had made 19 films before his 18th birthday. And became one of the first heavily merchandised celebrities.

It’s estimated that, as a child star, Coogan made nearly $4 million. Little did he know that his mother and stepfather had squandered his wealth. His mother felt that because Coogan had earned his fortune as a child, she and her husband were entitled to spend the money however they saw fit. She stated, “No promises were ever made to give Jackie anything. Every dollar a kid earns before he is 21 belongs to his parents.” Coogan sued his parent in 1938. And after legal fees, was awarded a mere $126,000.

Coogan’s case got the attention of California local and state governments. And California Child Actor’s Bill, more widely referred to as The Coogan Law, was born. While not perfect, the law requires that a child actor’s employer set aside 15% of the earnings in a trust and codifies work hours and vacation time.

Shirley Temple

Retired from acting at 22, Shirley Temple was one of the most recognizable names and faces in cinema. Starring in 44 films before the age of twelve, Temple was 20th Century Fox’s biggest box office draw in the 1930s.

Her mother received $250 a week stipend from the studio. And Temple, as a child, only saw less than $20 in pocket money. At the peak of Temple’s career, she commanded $10,000 a week.

So, you can imagine the surprise of Shirley Temple, an adult at the time, when she discovered her accounts only showed $44,000 instead of the $3.2 million she had earned. Her father had allegedly failed to place her earnings as a child star in a court-ordered trust.

Mimi Gibson

In a decade, Mimi Gibson appeared in 35 films and over 100 TV programs. She has been cast opposite Cary Grant, John Wayne and Maureen O’Hara. However, her finances had been substantially dwindled by Gibson’s mother. So much so, that she did not have enough saved for college tuition.

In 1999, Gibson sponsored a California bill that, currently, only allows the trust to be withdrawn from when a minor turns 18. She currently lives a very guarded and private life away from Hollywood.

Gary Coleman

Best remembered for his role as Arnold Jackson in “Diff’rent Strokes,” Gary Coleman’s relationship with is parents was severely strained. In 1989, Coleman sued his parents and a financial advisor for misappropriating his multimillion fortune amassed from the popular TV sitcom. He was awarded $1.3 million, but his later life was plagued with personal and professional misfortunes.

Presumptuous People

As the saying goes,  when you assume you make an ass out of you and me. Making assumptions about people is one of the most ignorant way of thinking. People who presume are usually as empty as the Steel Drums that they are beating trying to sound like they know what they are talking about. The other day I was sitting at the Bus stop in front of the Company’s Property smoking a cigarette, smoking is not allowed on property. A beat up rust riddle Mustang drove up, the driver blows his horn and gave me the thumb, as in thumbing a ride, laugh and gunned the engine. Back in the days when I drove heaps I would take that Mustang to the Junk yard. The poor fool taught I was down on my luck and waiting for the Bus, while my SUV one year old sat behind me in the company parking lot.


How crude of people to expound on others misfortune, what if I was genuinely in need of a ride, he teased me and pulled off. People like that would never amount to a hill of Beans. On my Job at the Resort I don’t go around with a sign on my back advertising Blogger/ Website owner so a lot of people assume that I am what I do at the Resort, Guest Coworkers and all. When I open my mouth they are blown away and ask Man what are you doing here. They don’t know that if I was worth millions I still would be unassuming and Humble, because I am a child of God and so are the people sleeping on sidewalks all over this country, land of abundant wealth. When I see people like that I don’t automatically assume that they are all Alcoholics or that they are all Bums. What I do consider is how did they get  there,  what are their circumstances and how did they allow themselves to slip through the cracks of Life.


I often wonder where is our spirit of humanity, when IRS allows a Restaurant to write off food thrown in the Dumpster,  if they placed it in a Box and  gave it to the so called indigent people no write off. I do understand that you dont want them hanging out around your fine establishment waiting for you to close everyday,  but isn’t there something that we can do. Yes there’s something that we can do. One unusually cold day in Clearwater, Headquarters of Scientology I noticed a woman shivering from being outside all day,  obviously homeless, I walked over to her took off my brand new Sweatshirt and gave it to her. I felt a shiver came all over me and it was not from the cold. That was only  one act of kindness but it’s a start, that was not my only act of kindness and won’t be my last. I could not write off my Sweatshirt because she didn’t have an address, morbid humor on my part, I can laugh at myself but not at their plight. Like Phil said ” just another day in Paradise for you and me”. I am not trying to make anyone uncomfortable or stir conscience I am only responsible for my conscience and my soul when I meet my maker and he ask me why  I shunned him dressed as a Beggar.

PS. Thank God for keeping my head above the water.