Librarys, Computers and Bailouts?

The numbers reflect that one third of Americans use library computers for their internet use and job searches, amongst other things.

With numbers like that, the computer manufacturers have room for a whole new complete cheep market to sell to, if they so choose. That’s if they were creative enough to do so!

But what if the government got off their you know what and offered another bailout program that would put good used computers, into the hands of the lower income who can’t afford to buy one. Similar to what they have already done with the free cell phone program.

First, businesses could donate their used computers instead of scrapping them. Some businesses actually do donate old computers to good causes already.

Just imagine being able to claim $100 bucks or more off of your taxes if you donate your old computer to a licensed computer repair shop, to be refurbished for basic dial-up internet access (with child protection), along with word processing and then donated to a charitable organization, that helps those who are struggling to get by.

If someone needs a computer and qualifies, they can get one per household for free and get a pre-paid card to allow them  dial-up internet access, to enable them to look for work or use the online unemployment systems.

Wow, talk about putting everyone online. It would also help to create jobs. Repair shops would get a rebate too. The prepaid card would provide only enough use-age time for them to use for legitimate reasons. It would keep a lot of old computers from ending up as waste in a landfill.

The list goes on, so what do you think! Let me know!

Let’s hit Obama and the computer giants up with this one hey!

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.

The New Displaced Workers Guidebook (Michigan) is Out

Well, apparently there is someone in Michigan that does see what is going on and wanted to help. The Dean of the House of Representatives, John Dingell had a displaced workers guide on his site, listing many ways to find help in Michigan.

Problem was, unless you visit his site regularly, most people who are loosing or lost their job will never ever know the guide exists. I never did and I wish I had known about it when I was laid off for 14 months! Well it does exist and it has been revised.

The New displaced Workers Guidebook ( for Michigan) is now available and is like the encyclopedia of  “Where is What” for anyone loosing or who has lost their job.

Moneys Tight. is here to let the country know about things like this. That’s why we are here. We spread the word to you and you pass it on. So pass this on to anyone you know who is down right now and needs a little help.

Thanks Mr. Dingell for helping people when they can use it the most.

I would like to see some of the other states representatives step up to the plate for their citizens who need help badly also. If anyone knows of resources for other states such as this then by all means let us know so we can get the word out to those who need it.

Click the following link to get to the Guide and remember to let anyone who you think may need it, know it is here for them, thanks to the Honorable John D. Dingell. He’s one representative that knows we are all in this together folks!

Click — The New Displaced Workers Guide.

We will add it to the GET HELP page so it’s easy to refer to.

Dial 211 if you are having financial trouble.

211 is the new phone line set up by the United Way to help people who are having a difficult time financially or struggling to pay the mortgage.

They can refer you to all kinds of organizations that can help in your time of need.

211 is real and it’s for those who need help and don’t know where to turn, so give them a try.

Bankruptnooption.

KFC is Free again. Free KFC Chicken / OCT-26-2009

It may not seem like much and it might turn out to be another thing that El Polo Loco bashes KFC for, to again try to make a better name for themselves. When KFC decided not to include the last free offer on Mothers Day, they knew the free offer would only prevent, complete customer satisfaction to the normal huge increase of people getting chicken for mom on Mothers Day, so she doesn’t have to cook. Hey, at least KFC is trying to help again. That is a Good example of Real American Spirit folks.

It was published that Monday October 26th, 2009 plan to wait in line for a while at 5000 KFC ‘s because they are going to give everyone a free piece of their Kentucky Grilled Chicken and for no cost at all. They are not giving a meal like last time, but a piece of chicken for free still isn’t bad nowadays.

So lets thank KFC for trying again to be one of the businesses out there that realizes the times we are in and isn’t afraid to try to step up and help some people out a little, while promoting their new chicken! I’d like to see El Polo Loco try that!

Now please pass me a leg and dig in!

Bankruptnooption.

Free Reachout Wireless Government Assisted Cell Phone, for Low Income.

It looks like another cell phone carrier, Nexus Communications Inc., has stepped up to the plate and is offering a government assisted cell phone, completely free to those who qualify.

www.reachoutwireless.com now is another place to go besides www.safelinkwireless.com, to get a free cell phone, charger and a free supply of minutes every month.

These phones are available to anyone who qualifies and the only catch is that no matter which one you choose to go with, you can only have one free phone per household. Even if you choose one carrier and someone else in the house qualifies and wants the other one, you are not allowed more than one free phone per household, no matter what plan you choose, so someone will have to pass.

An easy way to get around that, is to buy a minute phone (some are now as cheep as $9.95)  and split the costs with the person who has the free phone. If you use them only when needed and cut out the chatting, now two people can have reliable communication at an affordable rate, without any contracts.

To get your free phone Click on one of the following links. Then follow their instructions.  SIMPLE!

www.reachoutwireless.com

www.safelinkwireless.com

Bankruptnooption.

Now, here is a little stress reliever to ease your day.

Energy Star Appliance Discounts.

Remember, the government is giving Rebates up to $50 when you buy a new Energy Star Rated appliance.

All the major appliances in your home qualify for this replacement rebate. So if you are shopping around for a new fridge or dishwasher, don’t forget to ask the sales staff for information on the governments Energy Star Rebate program.

You will save some money by doing so.

Bankruptnooption.

Cash For Clunkers, Swing and a Miss.

Everyone who has not been affected by the economy stand up and cheer. Trade in your old clunker and you can receive up to $4,500 dollars toward a new car that gets better gas mileage. It’s being finalized in Washington, so check the government sites and you local car dealers that are left after the cuts, for the upcoming details.

Now if you have been affected by the economy, than take this as another swing and a miss by the government to do just one darn thing for the people who already have been hurt by the economy. You can’t take advantage of this deal because you have no home, your credit is trashed, and you don’t have a job, so you couldn’t get a new car loan if you gave your fist born child.

There is plenty that they have done for the ones who almost slid off the edge and for those of us who have lost mostly everything already, this was a chance to finally help us in some way shape or form, but they struck out as usual.

They could have easily allowed anyone who has lost their home, or anyone on unemployment or had it run out, to take their old beater to a used car dealer and receive the same check ($4,500) towards a newer – used car of that amount or lower. This would have been a way to help those that have been hurt or ruined financially by the economy. But they didn’t care enough for that group to do anything for them again.

They just don’t care about the ones that have slid over the edge, they are writing us all off. Face the facts that any help of any kind will not come to anyone who has lost anything, but only to people who are almost loosing something and to the ones who are just a little tight. Everyone who already lost or is loosing their home is just plain out a luck, so face it.

It is only obvious that this is the way it will be, when they had a perfect  chance to give those who are hurting badly, the opportunity to get a better car if they needed it and they didn’t even step up to the plate to do that much for the people who are suffering and have had their lives turned upside down or ruined entirely.

Face it. America has written off all the people who have lost their jobs and lost or are loosing their homes without a job. The government and America has not given you an option for help because you are viral, you are not needed any longer for the country to work and they want us all to vanish.

To all the Americans who are still going to work every day you are just a statistic relating to when they will be able to continue to remodel their house or buy some more high ticket items, that’s all. We mean nothing more to society and the quicker that our homes are bought up by investors, our families are broken up through stress and processed through either the divorce courts or the criminal justice system, while the ones left are living in the basements of relatives or friends, the better off America and everyone else will be.

They have purged us as waste from the economic bowels of America so that they can become leaner, greener, meaner money machines in the future, without all our dead weight attached to the system to soak up their profits.

If anyone out there is feeling this way,  I urge you to comment here, whether you would be interested in forming a “Hardship Club or Community on-line” so we all can get through this a little easier and maybe together, we can end up owning the country clubs that we used to care for and manage before we were let go.

Bankruptnooption.

FREE Government Cell Phone by SAFELINK WIRELESS, for Low Income.

The government and Tracfone – (Safelink Wireless) have stepped up to the plate and hit a homer with this one.

You get a basic, free cell phone complete with a wall charger and they supply you with a certain amount of roll over minutes per month, every month, to use as you wish. All Free and No Contracts Involved.

You can also buy extra minutes on a phone card, sold at local convince stores, shopping centers and many gas stations to add more time to the phone if you ever run out, or want more time before the next month.

The qualifications and amount of minutes change by state. You can see if you qualify for the free phone and sign up at their site listed below.

It’s real easy to sign up and not to bad of a deal, considering that it doesn’t cost you a dime and provides you with your very own 24-7 cell phone to use as you need.

The only catch is you can only get one per household. If you have two people in the same house who need them, then one of you just go purchase a pay as you go phone for $19 bucks and pay for your own minutes or split the cost. This is a very affordable way to have phone service between two people who really can’t afford contract phones.

So get them, but use them sparingly, keeping down the chit chat and you will never be without a phone again. It’s a real help and money-saver.

I haven’t heard of a cutoff date for getting the phones or a date when the free usage will stop, so go to SAFELINK WIRELESS.COM and see if you qualify.

You can completely register by calling them at 1-800-SAFELINK, or on their site at one of the links provided here. It’s Free, Completely Confidential, And A Big Help To Anyone Who Is Having It Tough.

Thanks for this one TracFone and Uncle Sam.

Reachout Wireless has just come up with the free phone offer also.

To get your Free Phone, CLICK on one of the following links. Then follow their instructions. SIMPLE!

www.safelinkwireless.com

www.reachoutwireless.com

Now Here’s a HOT TIP – REMEMBER — YOU CAN ALWAYS DIAL 911 FREE FROM ANY CELL PHONE, WHETHER THE CONTRACT or MINUTES HAVE EXPIRED OR NOT. THE PHONE WILL ALWAYS DIAL 911 FREE, AS LONG AS IT IS CHARGED, IN WORKING CONDITION AND RECEIVING A SIGNAL.

Here’s a few more HOT TIPS -

Those old unused cell phones are perfect for older more responsible kids and teens who have been taught how to use 911. Let them carry one with them when they go out and you will feel a little more at ease while they are gone.

They are great to keep as a spare emergency phone in your vehicles, or to take when you are on vacation also.

Give them to visiting out-of-town relatives who don’t have a cell phone to carry during their stay, and they will never forget it.

Give one to an older relative who doesn’t want a cell phone. Explain to them that 911 is free and they can keep it charged at home for an extra phone to use in emergency’s or they can carry it with them when they go out and it won’t cost them a dime. It could save their life!

You can also donate them to charities and recyclers. There are even a few organizations that take used cell phones and in exchange provide our active duty service men and women with free phone cards to use as they want. These programs may be hard to find locally, but are definitely worth donating to. Search “used cell phone donations’ in your search engine to find one near you.

Bankruptnooption.

Now Here is a Little Stress Reliever to Ease your Day.

One Year Protection Plans for New Car Buyers.

I know that this don’t sound like too bad of a deal, but before you buy you better weigh the facts.

Many people who have been laid off are highly skilled professionals. I don’t know the numbers because no one has studied this so far, but I have heard enough.

Many of these people have been out of work for more than a year now and a lot had to actually change to another field or get more schooling to find work.

Do you think things are getting better already? If you do and you are so secure in your position, as to bet your good credit on the fact that you will land a job in your field before the 1 year protection plan runs out, then go ahead because it is a good deal for you.

Personally, the way things are looking right now, I know I wouldn’t risk my credit on those kind of stakes, unless they would agree to cancel the loan with no repercussions to my credit if after a year I was still jobless.

Take it from myself and other professionals out here who have been jobless now for over 8 months or better, that you could end up in a mess with a deal like that. Hey if your car is decent then just hold onto it until you hear for at least three consecutive months, that the national unemployment rate has dropped and then go find a good deal.

The deals will still be out there and maybe you will end up with a new car that is fresh off the assembly line again like they used to be , instead of one that has sat on a storage lot for months in the harsh weather, that had to be jump started because the battery was dead from sitting.

I want the economy and all the companies to rebound more than anyone, because I’m loosing it all too. But for the auto companies to offer an incentive like that in these especially shaky times, selling products that have sat to long already and still yet wanting top dollar for them, is not to good a deal any way you look at it.

You be the judge on this one and oh yea, I don’t have a battery charger, but ask the guy down the street with the new car because I think he had to buy one. That’s if he hasn’t sold the charger already for food because, he’s since lost his job and now he’s loosing his house and his car. Go Figure That!

Bankruptnooption.

Local Food Banks and Pantries. Where are they?

Hey folks,

With the number of unemployed people through out the U.S. many people are pinching a penny to make ends meet and feed their families. If you can donate food to a local pantry then please do so, because many people out there are that bad off and the pantries can use all the help they can get.

This section is intended to become a place to either give or find the location of your nearest pantry by state, city and address. Add the rules also if there are any. There are so many out there hurting right now and if you know someone who just lost their job, then copy down the nearest locations and give it to them.

IN:

USA— Pantrynet.org

Foodpantries.org

Bankruptnooption.

Thanks for the grace Governor.

Granholm to the rescue.

Well people it looks as if everybody who has either lost their house or will run out their extensions will be in the shelters before long. Hey I got an idea, why don’t they put everybody to work building more homeless shelters. This would put everyone back to work. Oh all you lucky dogs that are now getting foreclosed, have 90 more days to work out a deal with your mortgage broker, to save your houses. So get going and convince them to give you new terms on your mortgage when you don’t have a job. You might as well look at it as our governor giving you 90 days to pack and move before the bank gets your house now.
Hey Jennifer, Pass the packing tape and leave the spare key to the mansion under the back mat, because we might get there a little late!!!! Oh yea, please have the coffee on because it’s a little cold outside.

On the more stranger side, there was some official in the Ohio gov. that actually told a lady to stay put and be a squatter in her own house! Wow I wonder how that all played out. Now the Wayne county Sheriff in Michigan has gotten on the news and said That he was stopping foreclosure sales in Wayne county. We are in a state of emergency he said, first. I think he is the only one that really sees, that to help the economy you have to help the little guy get back stable before you create him a job to go to. I say elect our Sheriff for the position of Governor!!!! Hang in there future squatters. I hope more comes from somewhere soon!!!!! Now you go and get some sleep, It’s my turn to stand guard now!!!

Bankruptnooption.

HEALTH INSURANCE BLUES & PRESCRIPTIONS

Recently I have seen many health insurance commercials on T.V. that claim to save you money over other plans. Anyone familiar with any of these, or what they have to offer?

Quirky Mom said…There is one that I’m aware of…however its not for everyone. If you have any type of private or commercial insurance they can’t help you. However, if you are without these types of insurance and have a Walgreen’s near you, ask the Pharmacist about their Wal-Card. It saves you some money and you get a few extra perks too.

bornbakwrd said…I have a friend who takes advantage of pharmacy coupons that offer gift cards and/or discounts when transferring prescriptions from one pharmacy to another. This takes some time to accumulate value, but it’s worth the effort.

Just a word of caution on this one. Transferring prescriptions can lead to deadly medication interactions if they are not all transferred and just one is missed by your new pharmacy. So be careful. I prefer to deal with only one pharmacy and get to know the pharmacist for just this reason. Plus if you get to know them they can be a great source of medical advice.

Free for Metro-Detroit Coming in April

Jay Leno is scheduled to do two performances at the Palace of Auburn Hills, The show dates are supposed to be the 7th & 8th and they are supposed to be free for anyone who is unemployed.

The Shrine Circus is going to give away 5000 tickets to a show. The tickets can be picked up Sunday for the April 2nd show between 10:00am and 7:00pm, at the circus box office at the Fair Grounds. Limit 4 tickets per person.

You know folks, with the high unemployment in Michigan, a lot of children will go through things that they normally wouldn’t have to if times were good. There are many things related to job loss that can hurt a young child mentally for a long time to come. First off, If they are old enough they start to worry about food and where they are going to live and I have to stop there. This hurts me so much to think of little children and their parents faced with these worries. My problem is I don’t have any means to help them.

I am glad to see some people starting to realize how bad it really is and to give like they are giving. Even if it’s to the adults, because in this day and time every little bit is greatly appreciated out here and I will be the first to say Thank You for it and I hope word spreads around to everyone that has any means at all and that they all start to give a little bit back in the immediate future. People are out here loosing their jobs, homes, families, their whole lives in some cases and sure could use more help than the Government is giving. Thanks again people, for all who do something to help any one out a little bit at this time.

Just one thing, how about some hair places giving some free basic cuts to anyone who’s unemployed and has a job interview set up. That one gesture if given by all the hair places in Metro Detroit would be a major help to many people right now.

You see, it’s the little things that matter also and combined together add up to be a big gift for all who are hurting. I must have spent a grand before I was laid off, at the same favorite local restaurant eating out, but when I went up for a coffee and told them I was laid off and told them I couldn’t afford dinners out anymore do you even think they would pick up the tab for a cup of coffee, hel* no, I got a sorry to hear that, good luck and we will see you next time. Well I think with the way things are , not only restaurants but any business with steady customers will be loosing some in the future, if they don’t learn to give a little bit back to the ones who made them what they are today. That’s Just one small example of helping out and being kind to many who are down on their luck right now. I dare any restaurant in the area to advertise just for a couple hours on one night only; To Anyone that is Laid Off , Show us your Unemployment Stub and Your Dinner, is On the House!

Now if small business could do this, just imagine what a few big businesses could do for thousands if they would only drop their competitive pride and agree to get together to help out some people in a few creative ways. Wouldn’t that be wonderful!

Just think, a little kindness now might be what gives them the extra customers to pull off that record quarter in the future. The little guy and there are millions out here, are hurting bad right now and a little kindness could be remembered for a long long time, if it means enough.

Just one more thing, I hope someone can get the word to Leno about John Rich’s song; Shutting Detroit Down, so he could sing it live to the unemployed in Detroit. I got a major feeling that would make the whole show, even without an interview! Talk about a Standing Ovation.

Thanks America for All You Do Daily!

Bankruptnooption.

DID YOU GET YOUR TWO $40.00 DIGITAL CONVERTER BOX COUPONS FROM THE GOVERNMENT

THE TRANSITION NOW IS —  JUNE 12,2009.

You are allowed 2 coupons per address. Many people who now have or were planning on possibly dropping cable or satellite in the future were calling, answering the question of  “Do you currently use satellite or cable?” as no and getting the coupons, then buying the cheep boxes at $40 each and putting them away for future use! http://www.dtv2009.gov has all the info you need to get your coupons.

If you missed out or let your coupons expire, try reapplying because they are going to put more money from the bailout towards this program. The final change over has been moved to June 12, 2009. So if you missed yours, then you should still be able to go to the site and get them, besides it makes a cheep converter box practically free.

When you get your box check out Antenna Web .Org They will show you the stations you should be able to recieve from your location. Remember when they list a ##.1  station, that there is usually a couple more channels you can see if you increase the last number,  ##.2   ##.3   etc. Some have more some don’t.

Bankruptnooption.