Feeds:
Posts
Comments

Archive for October, 2012

Credit cards Français : Cartes de crédit Itali...

Credit cards Français : Cartes de crédit Italiano: Carte di credito Русский: Банковские карты Tiếng Việt: Thẻ tín dụng 中文: 信用卡 (Photo credit: Wikipedia)

Many of us have credit cards it’s they new way of the world these days. You need gas don’t want to go in and pay first you need a card, you need a room at a motel need a card so they have on record. Need a car, maybe a house? You go to the bank get a loan. Before you realize you owe you owe and off to work you shall go. Before you know it you need gas or lunch so back to the card, and then owe some more. Oh then forgot the goverement allows the card interest rate to go up to 19% so you owe way more then you thought. So look for a second job, if your luck to find one. Out or the blue one day you go into work to find out they are closeing the doors your unemployed. Like I’ll survive, I’ll check into unemployment benifits, to learn you didn’t do something to meet their terms, so now unemployment check for you. So you find little jobs here or there from a neighbor or friend just to pay a few little things to feed your family.

Watch out becuase since you don’t have a real job you can talk to the bank or credit card companies about changing your payment plans. So you hear a knock on your door one night around midnight to say the lease, and someone is there to pick up your car or something else you had a loan on.

Knowing you can’t afford the payment and have no way to catch it up, you let them take it.  A few months go by and you get a letter that says it was sold for this little amount less the half of what you owe on it. And you have to finish paying off the rest. Your stuck trying to find a job that isn’t there, and before you know it your going to court over it. So you willing go to court file some papers and wait for a court hearing. Another few months go by and you find a letter in the mail, that says something like the court date on such and such date was ruled into the banks or credit cards favor, you are confused you didn’t even know the court date how did this happen. And as you read on in the letter you learn that up to 25% of your check you make will go to them before you see your check.

Sure sounds like a crazy nightmare right? I hate to say it but that’s want is going on. Now first hand how that is. Not only are you stuck paying the remainding balance but the interset and the court cost, attonery fees and the people that you might at your door that night. I will never see the light of day again. I’ll only make money to pay the banks and credit comapnies back I will never be able to feed my kids.

Read Full Post »

Have you ever sat back and really looked at all the changes that have been going on. We use to have slaves to do the work that no one else wanted to do, (which yes i do believe wasn’t right). And not all the children of the family got a chance to go to school, becuase they had to help the family work to keep food on the table and the farm taken care off. Now all kids go to school to at least a public school that seems to cost some parents alot of money, and they go until they are at least 18 in the U.S.  And if the government keeps going the way they are no children will be able to work on a farm or any where else until they are 18, which we wunder why kids are lazy and fat. And when they finally get a chance to do real work they don’t have a clue what it is. So they spend more time messing around and making the other guys work twice as hard to make up for what that person  isn’t doing.

Families are working as hard as they can to make ends meant that some hae two jobs, or try to work over time to make the bills and keep the food on the tables. Which this seems to result into no time to cook so you pick food up on your way home form a local restruant or convinence store. And in the end that leave most children not knowing what it is to have home cooked meals or even a clue how to cook. So what is going to happen to the children as they grow up, they are only going to know how to order off a menu. Or maybe cook from a box if they are that lucky. It’s not that parents don’t want the best for they’re children it’s that the world has been changeing so make that parents don’t have the time to teach the children.

Do you know what gose on in the families that one parent trys to stay at home to make sure their children can learn they things that are important. That family struggles everyday, wunder how are we going to feed the kids tonight, how is that bill going to get paid. We can we afford to fix that or this. And as that family keeps trying the next road block is put in the way. Like you have to much income in your house to get help with the food, yet the bills are getting hire and hire on the table that need paid. Or someone passes away in the family and that hads more to the plate of things to take care of and no time to deal with the little things anymore. So the big problems come first and the little problems get biggger and bigger. And we wunder why people are killing themselves and others with them. They have ran out of energy for life and don’t want to go by themselves. No one really thinks that if maybe things where different they wouldn’t give up.

I know things are hard this days, I have three children, they have only get used clothes, don’t have the nice things i wish they could, we struggle every days with the bills and the worry of food on the table, use to be that when they where in school I knew they got something good to eat. Now its they come home looking for something to eat becuase they food looked like poop, had no taste, or just not enough to fix the emptiness in their stomache. We don’t get food stamps they say we make to much. Yet the bills set here and we struggle to pay them. Yes the checks look ok, but when to figure what it cost us to get that money made we don’t make that much.

No one thinks that with the cost of fuel going up all the time that the person driving to that good paying job has to spend so much on fuel to get there, and repairs on the veichel. When we think we have another veichel so I can go to work the other one breaks down and that leaves me suck again. Not like I can really walk to work when we live in a small town and the closest big town is over 30 miles. We really can’t move because we wouldn’t be able to afford the rent any where.

I know we arent the only ones that have these kid of problems many family are in the same boat that we are. And some are even in worst shape then us. With the changes in the world many people are with out jobs and more are lossing their jobs every day. When companies close their doors and move the jobs over sea’s becuase they can get workers from other countries for half the cost of staying here. Or the companies closeing the doors becuase the government keeps finding new taxes and regulations on the company that they can’t afford to keep the doors open.

Then lets not forget about the bank bail out, why didn’t the money go to the citizens so they could’ve paid off the debts to the banks which would’ve help the poor people out of debt quicker, still would have help the banks out of the hole. But no that money when to the banks first, then they got the right to raise the interest up higher on the peoples debt so that they will end up paying 3 time the money or more that they had barrowed. And as soon as the people can’t afford to make payment they take them to court and then they can get the money out of your pay check before you get to see any of it.

Then that’s why families really can’t keep ends meet, but that don’t matter the banks are getting their money plus more and more, and your family gets weaker and weaker as they can’t eat right, and what they do eat is that food that people say makes you fat. Yet if that is the case why am i turning to skin and bones more every day.

I eat one time a day most days, and that is after the family is all home so we can cook and be sure the kids all eat. This is not what i had in mind for my life. But I guess this is what the government wanted for all of us. Make you broke, stave the families and then we won’t have what many call fat, big, over weight people. Yet I know it’s not always the persons fault they are that way that’s they way their bodies are.

Anyways, sit back sometime and really think what the changes are doing to us as people, can we fix what is messed up or are we

Read Full Post »