Corporate policy that you Shouldn’t Follow to Keep your Job.

Well, 2 Sprint employees, 1 Wall-mart employee, and 2 Best Buy employees have been fired recently for trying to do the right thing when they all spotted shoplifters, or so they thought.

Apparently all the stores feel that these individuals violated corporate policies on following or chasing shoplifters and they all lost their jobs on account of it.

To beat it all, the 2 Sprint employees were in another store, on lunch and they still got fired by Sprint for their actions.

One of the former employees said that it was the way he was raised, to step up and help when needed, but he still lost his job with Sprint.

You see most every store has their own rules on how an employee should proceed when they spot someone shoplifting while they are at work on company property. Violate the no chase rules on shoplifting and it’s Adiose Amigo for you.

So, and I never thought I would ever recommend this to anyone since I once helped to chase a shoplifter out of a store, across a parking lot and across a side street onto a neighbor’s lawn, where he was tackled by three burly employees, then walked back to the store to face the law over the $10.00 item he put in his pocket.

I don’t even think there were corporate policies on what to do in a situation like that back then, but I do know that because we acted, we not only got a petty thief off the streets who was wanted for stealing other small items from other stores, but we received an Atta-Boy along with a paid day off from the Owner, the next time he visited the store.

I know that now days, liabilities and law suits play a major role as to why there are policies against actions like these. But for Human Sakes, stop punishing those individuals who were raised with backbone, who step in to help where help is needed, because that’s the way they were taught while growing up.

Their parents didn’t teach them to run the other way when something is wrong or someone needs help. They were taught to pitch in and help. Those kind of people should be the leaders of both big business and of our country. They also weren’t taught to sue someone because they stepped up to act and got themselves injured by doing so, either.

What the businesses are effectively telling the criminals now days, is that you can steel anything you like from my store, just don’t come back because you are on camera! Go to another store next time!

What these businesses need to do is just the opposite. They need to set a policy on shoplifting that will warn against employees taking action but still allow for anyone that decides to act on their own behalf to stop or apprehend the crook. It should not only let them keep their job, but be rewarded for what they did also. Sure, have every employee sign waiver papers so you can’t be sued for their actions, but for bloomin sakes man, let them get involved if they so choose! This is America!

By firing them for their actions you are only making things in this country worse, instead of better! What if your daughter or wife’s purse was being snatched and the same guy who got fired for stopping a shoplifter saw it and just walked away! You would have wished that they had acted on their behalf, now wouldn’t you! But what you are teaching everyone by firing these brave souls, is to not get involved in order to keep their jobs.

So, until the companies you work for change their policies on shoplifting, you can do what you feel is right. I am recommending to you, because you need your job, that you just turn your head whenever you see something happening where you work, so that you don’t get fired for doing the right thing.

This way, the thief gets what he wanted, the store recoups their loss with higher prices and you get to keep your job! It’s pretty much a win win win for everyone.

I guess with that said, the stores are off the hook in having to hire corporate lawyers to change policies that would make America a better place, because all they have to do is get out the old price sticker gun to raise prices and cure the problem.

Now, I have a corporate backbone for sale, who want’s it! And if it’s stolen, the next one will cost you double!

P.S. Give those people their jobs back, This is America, Remember!

Bankruptnooption.

Businesses, Pricing themselves out of Business.

Do you remember hearing stories of people needing wheel barrels of cash just to buy milk, or a loaf of bread.

Well, in case you haven’t noticed, prices are slowly sneaking their way up to levels that we have never seen before, while most incomes struggle to climb at an even rate with them.

Many people you talk to, just can’t afford to buy the things or the quantities of stuff that they used to and it’s hurting business, big time, while many businesses are starting to raise their prices even higher, so they may recognize larger incomes that exceed last years take.

This practice of raising prices to cover costs, with a futile attempt to stay afloat, just won’t be good enough to save most of them. So down they will go!

You see, when they raise their prices, especially in difficult times as we now have, they actually lose business by doing so. More people will buy less than they did before because of the higher prices and the store actually tightens its own noose by doing so.

In times of strife and famine as we are experiencing in America the businesses actually need to become more creative and actually branch out into other common areas to stay afloat.

For example, I know of an automotive service industry that has made its bread and butter since it’s creation in the seventies. They have always serviced the large automotive suppliers and the big businesses that strictly dealt in automotive parts and supplies.

Doing very well, with just a few downturns every seven years, that happen in that industry. Otherwise always staying afloat and making a good profit.

But now, with everything being affected the way it is, they have learned that they need to gain customers from other areas of industry, in order to maintain just an even income level, much less make a higher profit than last year.

So they have set out gathering new customers from other industries and have diversified their customer base over a wide array of industrial classifications. Some of which are still doing good, while their automotive customers struggle.

They have learned to tap new areas of revenue to make up for their failing automotive customers and it is enabling them to stay afloat while many of their competitors go belly up.

Raising prices isn’t the answer. You must think outside the normal realm of daily operations and get yourself into other avenues that will be more profitable and you must do it fast!

That’s the way to stay afloat people and if you need ideas on just how to do that, just drop me a line and I would be glad to help, at a low price that you can afford!

Bankruptnooption.

3/26-4/1 WEEKLY NEWSBITS

…..Destroying crops for cash.

Destroying crops for cash…..

Farmers in Florida are destroying hundreds of acres of ripe strawberries to raise the prices. They protected them during the freeze, with thousands of gallons of water causing large underground sink holes, that are damaging homes in the area.

Because the crops did so well, there are so many strawberries that they are now worth only 25 cents a pound, where normally they are worth around $1.00 a pound. So to drive up the prices, they are killing off thousands of strawberry loaded plants.

All I have to say about this is that it should be a crime to destroy any crop for that reason, especially during a recession. The news channels are starting to show locations of their nearest food banks because there are so many people in the US that need help.

Those strawberries could have been donated to their local pantries to provide much needed deserts to pass out with the meals. A bowl of juicy ripe strawberries is good for the body and yet the farmers are just chopping them up.

You see what greed will do to you. Sure you may end up with more money, but to have unthinkable acts against humanity on your soul to contend with all of your life, I’d rather live a simple good happy family life, than to live a rich and depressing life any day!

I guess most would choose cash over conscious, but to me, It’s a  easy choice to do the right thing.  Share the berries with the world food banks and then collect the regular price on what I choose to sell.

Easy and everyone wins. I guess farmers just aren’t concerned with things other than their crops. It’s to bad they are like that, because that is one group of individuals that is normally respected by regular people. Well let’s just say they were respected by most.

Making Home Affordable Will Hurt Your Credit.

But it will save your home. The government program mentioned above is a way to lower your mortgage payments if they are becoming a burden to your budget.

However there is a catch, as with anything that is supposed to help you. The catch is that the credit companies will lower your credit score up to 100 points for using the government program.

By asking for help and wanting to continue being a good customer, you will be penalized by up to 100 points from your score, for trying to do the right thing. You see, just by getting the help, the credit companies are saying that you have credit trouble and SLASH/ 100 Points Gone!

That is America Folks! The only place where trying to do the right thing so you don’t have or become a problem, gets you labeled as trouble just for trying to do things right! Your Damned if You Do and Your Damned if You Don’t.

What a shame.

Experian, Equifax and TransUnion. Watch those companies in the future folks, as their Inflexible thinking will slowly become the demise of Millions of suffering people and then the demise of a Nation.

Bankruptnooption.

Gas Stations Suck.

You are all to blame,

• Exxon
• Mobil
• Shell
• Sunoco
• Texaco
• Lukoil
• Citgo
• Hess
• Getty
• Gulf
• 76
• Amoco
• Cumberland Farms
• Flying J
• BP
• Valero
• Chevron
• RaceTrac/Raceway
• Conoco
• Phillips 66
• Murphy USA
• Speedway
• ARCO
• Sinclair
• Pilot
• QuikTrip
• QuickChek
• Wawa
• 7-Eleven brand gasoline
• Kroger brand gasoline
• Sheetz
• Royal Farms
• Gas City, Ltd.

What more dangerous of a job could you have and get paid the glorious sum of SEVEN dollars an hour.

SEVEN dollars an hour, for all the responsibility, unflexable rules and all the headaches that go with it.

Gas Stations across America, YOU SUCK as employers.

All the big profits you end up making come from people who are hard working, endangering their own lives and for SEVEN dollars an hour.

Then on top of it all, you have all of your crazy rules that everyone must strictly adhere to or it’s the chopping block, with no explanation or even a thanks for anything you did.

You know darn well there are times when a cashier will go slightly over the drawer limits you set. But you set those drawer limits in stone and they may never be broken.

You are not very good management is all that it shows and here is why. You know that when there is a rush and the pumps are full, that the drawer will likely go over and while the rush continues the cashier doesn’t have the time to keep your customers happy and count and dump hundreds of dollars at the same time, YOU KNOW IT. Besides, it wouldn’t be safe either, so they wait for small breaks between customers to make the dumps.

You also penalize them for counting mistakes made when dumping their drawers, so you just hire these people and let them hang by their toes until it becomes publicly known that a mistake was made by someone, then the little big shot regional managers all strap on their firing guns and blow that person away from ever being your employee again, along with putting an unnecessary black mark on their employment history, as if they were the bad guy.

How unfair of working conditions are those. Sure the cashier could make paying customers wait while they count and drop money so their drawer doesn’t go over, and risk one of them calling and complaining that they made them wait, or worse, promote a robbery, then here comes the firing guns again.

You are just BAD management and until the day comes when every gas station clerk in this nation gets their voice heard and changes are made for a little flexibility within you system, you will continue to be just that.

You big Gas companies should respect your workers enough to make things like this change and you should also pay them a decent wage for the dangerous job they do.

Here is a link to a story that happened a while back, showing how some of their rules need to be changed! I sure hope this lady got another job or shame on all of you big Gas suppliers. Link to story and Video.

Bankruptnooption.

A Gift for his Family.

Just imagine working for a company when you hear that the owner is giving up the business to retire. Wow, I guess the questions would start to fly and you would have to wonder if the new owners would keep you on or not.

Now here is a twist that you never heard of and unless the greed that is sucking American businessmen down the deep end, is broken away from and their business attitudes change, you will never hear of it again and that’s a guarantee.

The twist is that after thinking of selling his business for a while, he decided that he couldn’t see anyone else running the business but his employees, so he decided to give it to the employees, all 300 + of them and not leaving out a single person who is working there.

The man felt that some of his employees were not only loyal, hard working people, but that many of them had been with him right from the start and that they all felt like an extended family to him, so he could see no alternative than to give the business to them.

What an unselfish act of kindness and generosity towards all those people who could have possibly ended up jobless had he sold the business outright.

American businessmen buy and sell businesses left and right in this country, but I have never heard of such a kind act as this. You would have thought that with all of the businessmen who have come and gone you might have heard of something nice like this before now.

What gets me the most is that many businessmen own a lot more than only one business. You would think that with that kind of success, that someone along the line sometime before now would have given one of their businesses to the employees to have for themselves. But greed has always taken over all the owners until Bob came along.

The gift he gave is worth hundreds of thousands of dollars to each employee.

I just hope that his story will live on for generations to come and maybe eliminate some of the greediness that American businessmen have, then maybe more workers will be treated as the human beings we are and not the replaceable idiots they look at us as being.

Bob is a real role model for our children and socieety and I hope they learn of it and try to make their workers feel just a little more appreciated in the future.

Thanks Bob for showing the world just what real careing and unselfish generosity really mean.

Bankruptnooption.

Totino’s Pizza Rolls, 40 Count or is it?

I am writing this from my personal experience with the brand and this goes for every other manufacturer who places a count number and weight on the product they manufacture.

I personally have been eating Totino’s Pizza Rolls off and on now for tens of years, ever since they broke into the market. They are just the most tastiest little bites of heaven that anyone has ever created in a Pizza tasting bite-sized form, Gotta Love Em! If they would have a contest to win Pizza Rolls for life, I would have entered it a gajillion times.

As a matter of fact, at one point I was told that if I kept eating them like I was, that I was going to turn into one of those bite sized tasty morsels myself. But it hasn’t happened yet. Darn.

Now here’s the ritual. I open the bag and pour them out onto a piece of aluminum foil atop of my toaster oven rack, where I proceed to give them all the space they need by lining them up like little soldiers standing at attention.

Before I slide the rack into my 425 degree preheated oven, I always get this insatiable urge to count those tiny morsels that were poured from the freshly opened bag and I have noticed two very definite things have taken place over the years.

A few years after they came out, and I don’t remember if the weight was on the bag then, but each of those tasty little bites were starting to get a little more empty.

Now I know that for every item produced in this country by any manufacturer, there is a cost involved with the production of the item.  The items I am referring to here, are things that are produced with a mix of ingredients.

If a manufacturer were to, lets say cut down on the amount of filling they put in each individual item that goes toward the count on the bag, than for each bag they produce, they may save enough of the ingredients to fill more bags, thus producing more with the same amount of stuff. Lets say they are able to fill 20 extra bags a day by doing that, they have not only lowered  the cost of production, but also increased their profits.

I have noticed this problem has since returned almost to normal over the years and I hope I will never see it happen again.

The other thing I noticed was the count in the beginning was usually close to 40, sometimes just over or under. Then after a couple of years the bag count started to average less than 40, with 40 or over not occurring much at all.

So I like many consumers, went on strike for a while. Since then I have returned to eating them off and on and still end up with the bags being short more of the time.

But how can the weight be consistent and the count vary that much over the years.? I have never weighed the bags but have counted most of the bags I have eaten and most of the time the actual count is lower. I guess it’s OK if the weight they give the consumer is always the same in every bag and the weight is accurate.

But why would a manufacturer pick a number that is consistently more than what’s in the bag? Why don’t they either up the weight a little so more are put into the bag or lower the count? Then the average number in the bags will be closer to their labeled count. Is this a form of deception?

You can not justify saying there are roughly x amount in the bag when more often than not there are less than that. If the labeled count is 40 approximately, than the weight should consistently put a count above or below that number for the weight and count to actually be true.

Every time I go back to those great tasting treats I end up counting them and once again I become a dissatisfied consumer, ready to throw the bag out the window.

Listen up Manufacturers, Don’t tell America there are approximately x amount in the bag when the actual count and weight doesn’t reflect that consistently. That’s sorta like the butcher who weighs your meat and has his thumb on the back edge of the scale where you can’t see it. Every customer ends up paying for a little extra meat they don’t get.

The actual count stated on the product must average that number for the count to be true to the weight. Otherwise, sell them strictly by weight alone and drop the count, you all know the rules for that.

If they are going to be consistently under the count you say, than it’s time you took your thumb off the scale and dropped your price by that much to match.

But they are great and until I start counting an average that reflects the labeled count, I will continue to only intermittently sample those tiny bites of scrumdillyiciouse goodness, but not near as frequently, because as an American consumer I absolutely hate to pay for something that I am not getting!

And that’s only my experience and opinion.

HOT TIP>>>>> As a consumer, you have to watch out for things like this happening, because you may end up wasting your hard earned money on something less than you thought you were getting. Doing so will save you money on your budget in the long run.

Bankruptnooption.

Warning: The Loan Sharks are Coming!

Hurry, Get Out Of The Credit Pool!! Here come the Sharks.

Loan sharks are people who loan money at extremely high interest rates. They are usually unscrupulous individuals who loan money to needy individuals and expect usually 25% to 50% interest or more.

You must pay it all back, including the interest by a certain date or the interest increases. Failure to repay the debt usually results in property damage or physical harm to you or one of your loved ones.

Well a bank called the First Premier Bank has stepped into the class of being a loan shark. Led by Miles Beacom, CEO of Premier Bankcard and a South Dakota credit card marketer, the bank has decided to offer credit cards to high risk individuals with a $300 credit limit.

They are offering an extremely high interest rate of 59.9 to 79.9 percent annual percentage rate (APR) on these cards.

People, the highest any bank has charged any high risk individuals, is around 25%. They are charging more than three times that rate.

If you were to charge just $100 on the card you would then owe them $80 dollars on top of the hundred you charged and for each hundred that you charge. That is almost double the money you charge. That is more than most unscrupulous loan sharks would charge you and the banks are supposed to be licensed to do a fair business in this country.

OUTRAGEOUS! TO SAY THE LEAST!

Where the hell are all the citizen or consumer watchdog groups or consumer protection agencies in this country when we need them? What about the government stepping in to squash this unfair business dealing. This isn’t right America!

The sad part is that they have sent the offers around to people who are bad at managing credit and probably don’t understand what the term amounts actually mean to them and they said that the return from the offer was almost double over the return they get from their lower interest offers to less risky customers.

I’d say they are definitely sharks taking advantage of a group of consumers, who are definitely ill advised as to whether to accept an offer like that or not.

You know, things are really getting out of hand in the banking world and I sure hope some organization can stop these sharks from feeding on more of the poor people they are targeting with their get rich scheme, that is intended to make high rates like this look normal to everyone, so that more banks can jump their rates to the moon just like they did.

There has to be some kind of consumer law against a business doing something like this to the hard working people in America.  There has to be!!!!!!!!!!!!!!!!!!!!, or God help us because the next depression will definitely end up being a recession! (That is if we don’t pull out of this one first.)

If your credit isn’t that good, you are better off getting a secured credit card and using that to build up your credit rating.

DO NOT ACCEPT ONE OF THE SHARK CARDS OR YOU WILL BE SHARK BAIT

Bankruptnooption.

That’s Outrageous President Obama.

I just saw a story on the world news about how we are stepping up to the plate and installing those huge three blade wind generators to supplement our power in this country.

I don’t remember the state they were in but the story said that the wind generators were being built overseas and that more than 400 billion dollars of the stimulus money that was supposed to go towards creating jobs for Americans in this field, was being paid to the overseas companies for 2000 of their employees to build them.

400 billion dollars of the stimulus money to put Americans back to work, being spent in a foreign country for them to build the wind generators.

Outrageous!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

If this is allowed to continue, than it will be worse than all those bonuses the banks got caught giving out.

I sure hope that somewhere in Washington, there is someone who finds this out soon ( if they don’t know already) and can stop this abomination and Fast. The company that is taking the money and doing this, needs to be slapped, and if the president is afraid to slap them then bring them out to the American people and we will take care of them ourselves.

This is just another example of why Americans are so saddened by their government. We have to hear of things like this happening in America on the nightly news and then nothing more ever happens.

Presidents day is coming up and I am sure that Washington and Lincoln are both rolling over in their graves.

Bankruptnooption.

Awrey’s Bakery Celebrates 100 years

Happy Birthday to Awrey’s bakery in Livonia Michigan.

People, Awrey’s has been baking sumptuous goodies since I was a kid and they are still going. They are one of the companies similar to Sander’s and Vernor’s (two other great MI companies) that developed recipes for what they make and have consistently followed those recipe for years.

They know how to bake and they make some of the best baked goods this side of the US.

If you ever see anything on your local baked goodies rack that says Awrey’s on it, you know it’s gonna be good!

I know times are tough, but now my question to Awrey’s and all other successful businesses out there is, what are you going to do to show customer appreciation for all of the years your loyal customers have been buying your products.

You see Mr. Business men and women, just having loyal customers is not enough. If you show them in some regular way that they are loyal customers and that you care about them, than you will retain them for life and not only them, but their children as well and your business will thrive from generation to generation.

There’s more to business than meets the eye!

Bankruptnooption.

Forget they’re Asian, Just Stop the Carp!

Here is a link to the Michigan Attorney Generals site with a video and a petition for everyone to sign. We have to get this around people. Even if you are not in the state of Michigan but know someone who is from there, have them click the link and sign the petition.

I don’t hate any fish, after all I love fishing. But I don’t want one of those jumping fish to injure or kill people who are enjoying the great waterways that Michigan has to offer.

Just imagine being on skis at 40 miles per hour and getting hit by one of those fish. OUCH.

We have to get the United States Government to act responsibly and protect the Great Lakes from those fish, otherwise not only Michigan’s economy will be killed, but they may just get a bunch of residual law suits from people who were hurt or from families of people who were killed by the fish while out on the water, because the Government had a chance to do something about it but elected not to!

So sign the Attorney Generals petition the petition and pass the site address around, because this one really matters folks, Businessmen men and women alike.

Bankruptnooption.

Check out what I mean.

A to Z Heating and Cooling, High Priced

I recently needed a part for a furnace and on a slow Saturday morning, with no one else at the counter, I showed the man what I needed. He vanished, but quickly came back  and showed me the new one. Without hesitation I said I’d take it.

He rung up the bill and charged me $49.00  I thought this was a little high but was happy to have it. So I left.

Once the furnace was back up and running, I decided to go online and check out that part. Upon checking several places, I was finding a disturbing trend.

Every heating and cooling place I checked, had the same part. The only problem is that they all were charging between 1/2 to 3/4 of what A to Z Heating and Cooling on Van Born rd in Dearborn Heights MI charged me.

At that point, feeling very ripped off, I began calling other Heating and Cooling places only to find out that I had been ripped off, and bad. Most of the prices out the door were about half of what I had been charged.

A to Z Heating and Cooling has been in the area for eons and have always been quite fair about their pricing. I love the place. They always have everything. Everyone I mentioned this to had nothing but good to say about them. But after hearing my story and laughing at me and calling me a sucker, most said they would double-check on their prices before ever doing business with them again in the future.

A to Z used to be a nice community oriented business. But with pricing like that, I guess that part is out the window now.

There are laws in every state that dictate how much something can be sold for above the dealers cost and there aren’t any that allow for a 100% markup.

If you ever find that you have been overcharged for an item, contact the Consumers Protection Agency or the Attorney General for your state. They regularly investigate these claims and are happy to help.

Bankruptnooption.

Credit History, Not Really

I would like to start this post by taking a look at the definition of the word  – HISTORY.

In the Dictionary the word history relates to a long-term, passing of time, in which facts and or the reasons behind the facts have been recorded for a long period of time.

Why then in the world of credit, does the word history mean, only your current score and without explanation of what contributed to that score?

The credit reporting system in this country is so flawed that there are people out there getting loans who shouldn’t and people being denied loans who should be able to get one.

Is it fair to rate the past however many years of credit worthiness for an individual by their current credit score on the day it is checked? No.

Only looking at someones current score does not reflect all the ratings that lead to the current score, or give any reason as to why it may be at where it is.

This seems highly unfair to those individuals who have been hurt by loosing their jobs. We have had people working all their lives and all the while having great credit ratings until they lost their job.

Most of these individuals will continue on paying their bills as they have learned to do in the past, after once again finding gainful employment.

So I challenge anyone who makes financial decisions about loans or mortgages to explain to the Moneys Tight readers how the current system of credit reporting is fair for those people.

If you had good credit until loosing a job and it crashed while trying to find a new job, does one simple number fairly represent that persons credit worthiness.  NO.

I, You, and The finance guys can’t explain why it is fair, because it isn’t. We all know that it isn’t a fair judgement of a persons true credit worthiness and that’s why they are afraid to explain it, they CANT!

The reason they use one number is that they generally don’t have the competence to look at a full credit history and decide whether or not an individual is a good credit risk. It is as simple as that. That is why anyone who suffered a long-term job loss will be left out of the system for many years to come.

In the bankers eyes you are simply trash for not coming up with money to repay your debts when you had no income for an extended period of time. You should have sold your soul to the DEVIL to get it and that’s that!

Banks and mortgage companies ran into trouble and they themselves had to be bailed out by the taxpayers. Isn’t this just getting more and more absurd by the minute.

Now all those companies we saved are telling you that you are a bad person and a high credit risk for not paying them while you were unemployed.

Wow. And the most unbelievable part of it all, is that out of all the money they got, they never passed a single dime down to the people who were struggling to pay off what they owed.

They took the taxpayers cash you paid to the government as repayment for the payments you missed to them and the whole irony of it is, that when they took the cash for those payments they never scratched off one payment missed from anyone’s accounts, not even ONE!!!

I have to stop here because if I continue on we will all end up hating anyone in finance and I may just do everything in my power to act just like they see us, from now on.

Bankruptnooption.

Now that’s what I’m talking about

Two guys who started an auto repair shop after they were laid off from their regular jobs, have stepped up to the plate this year to help some needy families. Way to go guys.

They are not looking for extra business or notoriety for doing it, they just felt that since they were so fortunate they could afford to help some others.

So they chose two families who have been through rough times and gave each of the families, gift bags full of gift cards and other good things that will help them through the Holidays and beyond.

Three cheers to these two men who had it rough also, but were able to make a go of it and who took it upon themselves to return a little bit to the community.

Being big and successful in business, may mean that you have to be cut-throat in how you operate and deal daily, but if you are not able to show everyone that a kind and caring side still exists in you, than you are destined to become another Scrooge, whether you like it or not.

You may achieve wealth, fame and power, but the satisfaction of being able to do a good deed for a fellow human being, which intern fulfills our lives and makes us feel and be looked upon by others as whole individuals will be missing from yours. Without that you will never be a complete person and it is that happiness that will elude you till your unremembered death.

Life is about giving and helping others and without it, we are just shadows of individuals going about our daily lives unhappily. The sad part is we don’t even know that, the joyful part is missing from it!

So three cheers and hopefully more business owners who are doing OK will step up to the plate, to experience the joy that has been missing in their lives also!

Bankruptnooption.

See other related article,  This Christmas Season Pick on someone-

Merry Christmas From Citigroup.

Citigroup announced that they were going to suspend all of their foreclosures and evictions until mid January 2010.

Well at least it’s something hey! So why aren’t the other big banks stepping up to the plate also. I guess that they are just a little less humanistic and a lot more greedy than Citigroup.

So consider that the next time you have to visit a lender.

At least Citigroup still has a little human compassion left, and views their customers as more than just a number!!!!!

Three Cheers for Citigroup!!!!

As for all the rest, maybe they need to watch the movie “Scrooge” this Holiday Season!!

Bankruptnooption.

Bankers Click Here-    EGOORCS AND WATCH BELOW.

This Christmas Season, Pick On Someone during the Twelve Days of Christmas.

Merry Christmas and Happy New Year to all!

Well it’s the Holiday Season! We are into the Twelve days of Christmas. Festive decorations and Warm songs of Good Cheer and Love are beginning to fill the air, most everywhere.

Now I don’t know if you noticed it or not, but many people are without that spirit this year. Many more homes stand dark, undecorated or empty than normal.

There is a lot of rudeness in and around stores, due to the hustle and bustle that is brought about by all the retailers pushing their merchandise for you to buy and there is also the jobless, who have attitudes of being forgotten about by society and just can’t find it in their hearts to feel much Good Cheer this year.

Yes it is the season of Good Cheer, Love and Gift Giving.

Many people this year are going to experience their first Christmas without their home or even without their own decorations that they have put up for years. They have been part of the economic crisis that took a direct hit on their job and have lost much, if not all of what they had.

So this Christmas season, why not make it a new tradition for your family or yourself to Pick On Someone!

Anyone you, or someone you know, knows, who has lost their job, is a person or family to Pick On.

Now that you found someone to Pick On, make it a family effort and get the kids thinking about ways to Pick On that person or other family.

It’s a matter of giving what you can give to them, or helping them out in any way you can and as many ways as you can, even if it’s just shoveling their walk, it will help.

Give them money, food, food baskets, clothes, gifts for them, find out what gifts they need to buy for Christmas and buy some of them, gas money, offer to pay down one of their bills, do some of their errands, give them rides, buy toys for them to give to their kids, buy pet food and the list goes on as to how you can help them out.

Now just imagine if everyone who hasn’t been effected, chose someone to Pick On this year. Imagine all of the joy that it would give to those who need it and how much easier more people would make it through the holidays this season.

What if every business chose just one family to Pick On and paid for gifts that their own employees pick out for that family? Think of that. I guess they did and the tiny cut in their profits scared them!

What a Wonderful Season of  Good Cheer and Gift Giving it would Truly Be for Everyone, if Everyone could Pick On somebody.

On the First day of Christmas, Someone Gave to Me…. a Beautiful, 6 foot Christmas tree, with a stand!

On the Second day of Christmas, Someone Gave to Me…. Five sets of Colorful Holiday Lights and a Beautiful, 6 foot Christmas tree, with a stand!

On the Third day of Christmas, Someone Gave to Me…. A Clapper, Five sets of Colorful Holiday Lights and a Beautiful, 6 foot Christmas tree, with a stand!

Now go give the person you choose to Pick On, Your Twelve Days.

Bankruptnooption.

Anonymous.

Misleading Black Friday Ads

MISLEADING BLACK FRIDAY ADS…

Welcome Bargain Hunters, Just make sure that you read those great Black Friday, Day after Thanksgiving deals over very carefully and scour the whole ad flier, even the fine print, because you just might find something printed like this:  Limit three per store, Limited quantities, While supplies last, No rain checks, Available between 6A.M. and 7A.M. only, or some other wording that means that you probably won’t be getting that big deal unless you are one of the very first in line!

You have to watch all the ads for this very carefully, or else you may end up, getting up very early just to end up shopping around until you find a deal that may not be as great, but you will still be happy with. Besides you  may find a good deal in another paper that you might not have to camp out for or possibly get stampeded to death, like a store had happen in the past, because the deals were so great and limited.

Most of the stores will have limits and exceptions, especially on the bigger, more expensive and popular items. It is a very deceitful business practice. Like I said before, most of them will offer other similar deals that aren’t quite as good, but if you settle for one of those, you will be driving home happy, at a more reasonable hour and not mad, with or without a rain check in your hands.

It’s also been said that some stores give out the rain checks without ever planning to honor them, or they plan all along to give you something comparable to the original item, which you may end up not liking! It could also take weeks and months of phone calls just to find that out or get the replacement item.

Just remember, most stores do have very good secondary deals in the same ad fliers that last for the whole day or for several days, so you might want to sleep in this year and go out later, after the crowds thin down. Sometimes settling for less is worth a lot more!

So be careful all you deal hunters out there, as for me, I will be sitting in my jammies with my family on the big comfy couch, by the TV, sipping a cup of coffee and eating warm cinnamon rolls, fresh from the oven, while I watch the coverage on the morning news. I shop leftover and closeout deals only.

P.S. If you do happen to know one of those Early Black Friday shoppers that are going out for that big deal and there is a limit of at least two per person, you could ask them if they would pick one up for you! Then you can come over and sit on the big comfy couch in your jammies too! I’ll save you a cinnamon roll but keep your hands off the changer!

Bankruptnooption.

Grainger’s Prices are Up

Grainger’s prices are at an all time high and to say the least, expensive. So expensive in fact that they are better than double on many commonly used items in the daily business world.

Some of their most recent prices while comparison shopping were more than 10 times higher than the competition or the home centers.

$4 for a duplex weatherproof outlet cover at Home Depot, vs. $67 at Grainger. I have seen many more examples as extreme as that!

Sure theirs isn’t some Made in China brand, they sell name brands. But come on, is their name and the manufacturer’s name worth that kind of markup, really?

We have laws against overpricing in this country and I am sure that the Attorney General would like to hear about these prices.

Go online for yourself and pick something off their site. Then compare it with another site that sells the same products. I have and I was literally shocked at how much more they are charging for many things.

Not on everything, but you better check first before buying if you don’t want to lose a bunch.

All this and when American businesses could use a little break the most.

What are they thinking! Grainger used to be as American and fair as A slice of Apple pie—- What Happened!!!!  Does anyone know?

Bankruptnooption.

Colleges, Raking in students and dough.

Colleges, Raking in students and dough.

The price of some good old-fashioned education went up again. It seems that the colleges have developed the business mindset of more, more, more.

Raising the cost of public education six and a half percent and during a time of recession when the cost of living supposedly dropped 2 percent is absurd.

They not only cut costs and staff to save money any way they can, but now they are going for higher profits.

This recession is going to take a lot of retraining peoples work skills to get everyone back to work and colleges raising their fees can do nothing but hurt Americans and at a time when the need for higher education is at an all time high.

Bankruptnooption.

Doctors, Parents, Please take Notice. Re.. Swine Flu and Children

To all of the health care professionals out there, it is possible that there may be one thing that is being overlooked and can be detrimental to your little patients well-being.

It happened to my child by a very experienced health care provider and I hope that all of you take note.

The swine flu is making a big appearance to the public here in America and we have evidence of this everywhere we turn now days. You walk by a TV set or past a radio and you will hear about the swine flu and how it is taking its toll on children, the elderly and the already ill individuals in our home towns and communities across America.

Now here comes the problem, every kid who is old enough to speak, walks by the same TV sets and radio and hears these broadcasts the same as any individual would hear them. The problem is, that if they don’t ask questions, so mom and dad can explain the flu, than they can build up a solid and legitimate fear from hearing about all the deaths and hearing how big of a ruckus that this is actually creating.

So I am telling all of the parents out there that you should talk to your kids, dispelling their fears about flu and testing before they get sick and you have to take them to a doctor.  I should have done this, but like most parents you just can’t run around telling your kids about everything that you imagine would be scary to them and you would figure a doctor would be very good at doing that when they see little patients.

Now, Doctors out there are either in it for the gold and glory, or they truly feel good by just performing the job they have chosen to do. Either way they have accepted a responsibility for their patients health and well-being. As patients, we expect them to calm our fears and inform us of what we don’t know, fix what’s wrong with us and make us feel well both in mind and body. Most of you do this very well and with a hectic schedule beating on you to boot. This is what we all know in America to be what is called a doctors bed side manner.

Well I suggest that you all better step up your bedside manner to include the swine flu with children and fast, because I don’t want to have happen to any other kid what Dr. T. Costantino at the Blanzy Clinic in Southgate Michigan, let happen to mine.

This doctor literally scared the Hell out of my child and all over a lack of good bed side manner. You see my child, while playing, had been catching bits and pieces of the news reports here and there but not showing any sign at all that he had even heard of the swine flu. So when the doctor walked in and asked mom the symptoms, he then said “I’m going to test for the swine flu” and just as quickly as he walked in he walked back out without saying a word and with my child immediately welling up in tears because they thought they were going to die.

It took mom a long enough time to calm them down and to get them quiet because they thought they would die, that a nurse came in and asked what was wrong and only offered the statement for my child’s comfort of  “it’s just a test”, and walked out.

Dr. T. Costantino forgot that day that his patients health and well-being should come before his busy practice.

I absolutely feel, being the father of a child that a trained professional scared the hell out of, because he couldn’t take two seconds to see his little patients reaction or talk to his little patient about any fears they may have about being sick, that Dr. Constantino should in the very least be reprimanded for what he failed to do. He was supposed to take care of both his patients  physical and mental well-being, thus violating the doctors modern creed which contains such words as warmth, sympathy, understanding and with paragraphs such as the following—

I will remember that I remain a member of society, with special obligations to all my fellow human beings, those sound of mind and body as well as the infirm.

Top this all off by my wife mentioning to Dr. T. costantino what he did that traumatized my child and his words to her being, ” Don’t tell me how to practice medicine” and you just royally pissed off a dad.

This doctor was wrong that day and I can not speak for any of his other patients, but after hearing of my child’s visit with my wife crying on the other end of a cell phone, it will be time to change health care professionals, to a real professional. This lacked professionalism and there was no call for it!

My next blog after I write and send in a formal complaint letters reguarding this doctor, will be – How to file a complaint about a doctor!

Bankruptnooption.

For more on the doctors oath click here-   The Hippocratic Oath