Package Delivery Jobs, Pushing the limits!

Check out this article from Yahoo about Package delivery jobs, then stop and think about two and a half steps per second for the rest of your working years, even if you don’t feel your best some days or if your feet are tired and hurting. Then imagine going through the rest of the stuff you read. This may change your mind if you are thinking about signing on the dotted line with one of them.

What the package delivery industry is doing to it’s drivers and for a wage not even close to six figures is a crying shame to say the least. They pay you upper low class wages around $75,ooo and that’s before you pay for your truck and all the expenses of operating it. (FEDEX is that way, I’m not sure about the others.)

What is common about them all, is the way you have to run around with packages up to 80 pounds, like a chicken with your head cut off at 2.5 steps a second, except for taking baby steps on ice, (the only time they allow you to walk at a somewhat normal pace).

They give you stops along your route and they have factored in times to be at each one.

If your lucky you will get promoted to management. Lucky because the management can fire you on just one of their hundreds of rules, laws, and procedures they have for you to follow. From the time your personal car hits their property, to the time you leave their property, you are theirs and you will make no complaints about it. In some cases even after work on your own time!

In today’s age where the average worker is expected to change jobs more than 7 times in their life, you won’t last there for a full career. You will run into a come and go manager if you are there long enough, who doesn’t like you and they will fire you for something so stupid you will cuss them to your grave.

A couple of decades ago you heard of many post office shootings happening by stressed out employees being pushed to the limit. Well this is exactly where the delivery industry is going only at two and a half steps a second folks.

The owners need to stop looking at the bottom line for a while and invest a little back into their employees and in management training. Then they need to slow down the pace a little and seriously fine tune their procedures towards being a little
worker friendly, because there isn’t a driver out there that really likes the company they work for. Go Figure!

If you decide it’s the career choice for you, than put on your running shoes if they allow them and I hope you get a parking spot next to the door!

Bankruptnooption.

We Don’t buy it for the Toy, Smart Ones!

I can remember buying many a box of Cracker Jack’s, and it was usually because I was looking for a nice treat to eat. The sweet popcorn morsels along with all those great peanuts was just usually to good to pass up. Oh yeah, I forgot to mention that you got some kind of a goofy little activity toy included in the box as a prize.

Usually you got the toy out by shaking the box and feeling along the sides to find it. Us smart ones would open the box upside down and take it out first. But irregardless of the toy, the yummy popcorn treat was usually consumed in record time with an empty box going into the trash.

Understand this; The toy wasn’t the reason for buying the product.

So in a county in California, you can no longer take your child to any of the fast food restaurants and get them the toy if you so wish, because there has now been a law passed to stop the sale of toys at fast food restaurants.

Yes people it’s true! No more happy meals for generations to come. That includes your kids children too.

The smart caring people did this for you because it’s the toy that was drawing you to eat fast food, which has now been labeled as mainly being very bad for you.

So the reality of it is; You and your kids have just lost another right in a free country because some group of people is over eager to make everyone in America healthy by stopping you from eating at fast food restaurants.

Can you believe it folks!

Only in America! The land of the Free, or is it?

I have to stop writing about this loss of our rights, because I can’t come up with anything else to say about it that’s not full of colorful expletives.

Another Right Lost!

God Bless America! Or have they Outlawed Him Completely Now Also!

Bankruptnooption.

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.

YOU HAVE TO HEAR THIS!!! OR BE FINED!

It has been estimated that almost 4 Million people will end up paying fines for not getting the mandatory health coverage the government wants us to spend our money on.

If  it will cost you more than 8% of your income you will be exempt because you are lower class. Most all of the upper class who have money still left over to burn at the end of each month will go for the insurance. This leaves those estimated middle class individuals earning below $60,000 or $120,000 if married in the pot that will experience the biggest losses and the most trouble by having to get the insurance.

When they have to give up to 8% of their income for insurance, you will see a lot of these people go bankrupt and lose everything. If they refuse to get it they will be fined anywhere from $600 to $1,000 dollars or more and it will come out of any tax money they expected to get back for that year.

Many of these people need this tax money for necessary repairs to their homes or auto’s. They pay down credit cards and other bills including property taxes with their tax returns. It will hurt these people tremendously.

Isn’t there something that is just plain wrong with the government making you do something or getting fined if you don’t? If this is allowed to happen then what will be the next thing they will be fining us on for our own good?

Exactly what will it be that they will make you spend your hard-earned dollars for next? Even if you can’t really afford it!

This isn’t the way that our government is supposed to work. Did you get to vote on the health care bill? No, neither did anyone else and why not? You weren’t included in the law making process this time. It wasn’t put on a ballot for the American public to vote on. How about next time they want to pass something that makes you pay for something even when you can’t afford it? Will you be included then!

Probably not, since they did it this time, they will most certainly do it again!

This is something that has to be stopped and rather quickly I might add. It’s not the way our government was meant to operate.!

We are the people and we are the government in this country, of which  those elected should all be doing things for the good of everybody and not telling us we have to do something for our own good, that many will unfortunately have to choose not to do and be fined.

That’s Just Plain Wrong!

Bankruptnooption.

T’s UP to Mark Levin and Down to Sean Hannity

Thumbs Up, Mark Levin is an American guy with an agenda of clearing out and bringing light to the corrupt B.S. that takes place in this great country daily. He is the guy who is on the line for the regular American Citizen and not trying to sell a bunch of crap to get rich.

Oh sure he has a book to sell or maybe a few of them, I’m not sure. But one thing is different from the way Sean Hannity does it, he actually cares about what is going on in America and doesn’t give a rats ass if he walks away with a dime while doing it.

In my further oppinion, Sean Hannity on the other hand is one of those guys who is charging for Sign-Up on his site and selling what he can to line his wallet. He says he cares about America but when you go to his site to see what his spiel is all about they want you to register and pay $5.95 a month before you can hear any of his archived radio broadcasts.

Now either he is making millions from people wanting to hear his shows for $5.95 a month or he is just set on trying to make a buck. I doubt it’s millions so he would probably do better to drop the $5.95 charge per month and to make his material free. Then I may want to buy his book. NOT. By charging, he’s got as much of a chance to get rich as old Uncle Jed did while hunting for food. It isn’t likely to happen!

So listen up to Mark Levin, because he is the guy who is doing it for us for FREE and trying to make America a better place for all and for generations to come!

VISIT THE MARK LEVIN SHOW NOW! Check out his archived radio shows and his Web Site for FREE and see what he is all about!

Bankruptnooption.

MA. School Steps up to stop Bullying

The school had students make anonymous lists of the bullies in their school, and then turn them in.

The school is then watching and educating the students on the list about bullying.

Now the kids on the list say they are being bullied because they are on the list.

Someone also asked how they knew the students were naming actual bullies and not just picking other kids to get them in trouble. The principal commented that the names of the kids who were actually doing the bullying appeared frequently. So they are pretty sure who the real bullies are.

I cheer this schools administration and hope that more schools provide this avenue to the students so the bullies can be dealt with, before things get really out of hand for anyone.

I would also like to see more dads across America stand up and deal with their own children if their kid is shown to be a bully. You see, most bully kids usually pick on smaller kids  or unpopular shy, or bigger ones because they know they usually won’t fight back. Everyone knows how it works and if your kid is a bully then they are seen by the majority watching as being the actual problem children and true cowards because they are the actual misfits in society not the other kids.

Do you really want others looking at your kid that way? It sorta reflects on you ya know!

Bankruptnooption.

Unemployment Extensions! We will update here as we learn about them.Pp

# 1.
They have extended the unemployment benefits temporarily again while they try to figure a longer term handout.

You have been extended to June 2 2010. When they will run out again. Stay tuned for more folks Or comment with updates you have heard about!

Bankruptnooption

Government Bailout for Home Mortgages

Finally the government has instituted a plan with the four big mortgage lenders in the country, and they will be giving many homeowners some much needed help in the months to come.

So remember to call your lenders soon. To save your home.

To bad there is nothing they could do to help the millions who already lost their homes, because they didn’t see how bad off people were until now.

On account of their blindness and delay in action, Millions of lives have been hurt.

Bankruptnooption.
An update to this is that they actually didn’t start helping until years later. What a scam that was. It finally took the president to make them do it.

You better shop those farm markets and produce stands early.

You better get there shortly after they open or it may be slim pickins otherwise.

You see, during a recession everyone learns to fend for themselves and they learn to do things that save them money.

One way to save a huge amount of dough is to shop your local farm or produce markets. They have tons to sell in a very limited time frame and you can get some great deals on produce there.

People usually get all their seedlings, plants and seeds for their gardens there in the early spring also. During hard times there are more people that plant gardens than when times are good and they learn how to can fruits and vegetables just like grandma used to do. So expect to find standing room only this year when you go to get yours.

That’s why I say to visit them early this year, or you may be the one left buying the sour grapes or planting spinach and onions! Hey wait a minute, I like onions, but please hand me a couple of those tomato plants too, would ya!

Bankruptnooption.

You HAVE To Buy Insurance or Get FINED

I just want to mention a couple things about the health care bill that was passed.

No matter what your income is, you have to pay for insurance or get fined if you don’t. Our government is putting that on us and it isn’t going to hurt anyone that can afford it, but what about those who can’t?

All the news reports keep saying, that the health care bill is going to GUARANTEE that everyone has health insurance.

Remember that you will HAVE to buy insurance, no matter what your income is, or you will pay fines that will be collected by the trusty old IRS. That’s how they are GUARANTEEING everyone will be insured!

Now I have just a few questions,

1. IS THIS STILL AMERICA?
2. WHY DON’T THE VOTERS HAVE A SAY IN IT?
3. HOW MANY PEOPLE WHO CAN’T AFFORD INSURANCE WILL THIS HURT?
4. DO YOU WANT TO LIVE IN A SOCIETY GOVERNED IN A WAY WHERE YOU EITHER DO WHAT THEY SAY OR PAY THE CONSEQUENCES?
5. SINCE I AM THE GOVERNMENT, I AM TELLING YOU, THAT YOU WILL BUY HEALTH INSURANCE OR BE PUNISHED! ARE YOU GOING TO DO WHAT I TELL YOU OR TAKE YOUR PUNISHMENT?
6. IS THIS HOW COMMUNISM GOT STARTED?

Wow this is starting to get scary!

Bankruptnooption.

Health Care For Everyone

I just don’t know where I am going with this, but one things for sure, If we let our government make us get health insurance and then let them FINE us if we don’t, there is definitely something wrong in America.

That is exactly what the health bill will do to each person who doesn’t buy health insurance. It will let the government place a fine on anyone who doesn’t purchase health insurance for their-self and their family.

Imagine that, first you are MADE or rather FORCED to buy health insurance for yourself and your family. But if you can’t afford and refuse to buy the coverage required by the government, you will be FINED by them. They probably will withhold your tax refunds or garnish your wages to collect the fine.

For anyone who is pretty well off, this bill is great. For anyone who isn’t hurting and getting by with a few bucks to spare, all the help they give to them may help. But it will hurt MILLIONS of hard working citizens who are really just struggling or have lost their health coverage and MILLIONS more who can’t afford it.

Sure I agree that everyone should have the right to see a doctor when necessary, but to give All Americans, health coverage by making you buy it and be FINED if you don’t is just plain wrong.

It isn’t stepping up to the plate to do what America wanted, let each person be insured even if they can’t afford it and without penalties.

This is the biggest failure of government to do what would be right for the majority of people, that I have ever seen in my lifetime.

THIS IS WRONG PEOPLE! It will hurt the very MILLIONS who don’t have health coverage now because they can’t afford it. It’s not going to hurt the already insured, or the well to do.

I personally know of several times in my life that I couldn’t afford health insurance and didn’t have it. But I wasn’t penalized for not having it!

Now the government, who I guess is now for the rich and it shows, will make anyone who can’t afford health insurance get it or be fined. That isn’t what Health insurance coverage for everyone was supposed to be about.

Many presidents in the past have mentioned health insurance for everyone, and not one ever said, that those who couldn’t afford it, would HAVE to buy it, much less get FINED for not doing so.

The government was supposed to come up with a way to cover those who can’t afford it and not by making them pay for it.

It looks like the government has gone to the rich and they won’t ever give anything to the less fortunate in this country that would really make a difference and really help them to get ahead of where they are at now. That’s why you saw bailouts for WALLSTREET and MILLIONS of hurting people lost their homes, without any offers of help from the government that would have stopped the banks from collecting on those who had lost their jobs because of the recession!

I’m sorry, but you know what anyone who agrees with this health bill can do! You can take your health coverage for everyone and your big fat wallets (money) and shove them you know where!

Bankruptnooption.

Several states already are saying that they will take this to the supreme court as soon as Obama signs the bill. While other states already are circulating petitions, to give the voters the right to stop this from happening in their states.

I guess a lot of people don’t like this kind of lawmaking. Hey!

What are they thinking up there!!!!!!!!!!!!!!!!!!!!!!!

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.

The Government Loves You Fatso! (POP TAX)

Wow, did you ever imagine that the government loves you so much that they would take care of you in every way imaginable. Even in ways they shouldn’t be doing, because that is not why they are there.

Anyway, the new way they have thought of to love everyone, is to put a Fat Tax on many peoples favorite beverage and to tax it so heavily that you will not be able to drink as much because of the high cost. That will cause you to lose weight and be healthier, thus lowering the cost of health care in this country. Fat Tax MY Ass! Or FAT ASS TAX!!! You decide!

Wow, lowering the cost of health care for everyone, when they have been unable to come up with a health care plan for months and months now, that would give coverage to millions who go without it. If you added together all their pays for all the time they have wasted on the health care issue, they wouldn’t need the Fat Ass Tax on pop.

To do it, they are affecting no one but the lower class, because they are the ones who will suffer and skip buying pop, because it will be something else they don’t have money to afford anymore.

I have heard that the average price will go from a national average of $1.70 to $2.37 a two liter + the state deposit on top of that. That is a total jump of only 67 cents per 2 liter bottle. Not to bad Hey! That equals up to only a 40% jump in price. Just drink more BEER, it will be cheaper than pop soon!!!

I wonder why they just didn’t double or triple the price instead. Talk about price gouging, its to bad price gouging doesn’t pertain to taxation or they would end up with hefty fines or community service for even attempting a jump in price like that, but that’s our loving government for us.

Oh yea, that’s right, they already serve their community don’t they! Scratch that, Just throw them all in Jail! Do they have pop in Jail?

Just think America, the next time that you, or your family go out to eat, or to the movies, or bowling, or the fair, or a beach, or a park, or anything fun that we can barely afford to do once in a while now, it will now cost you more. Just Great, I already had to give up my cable TV because I’m turning into a couch potato!

Answer me this, would you! Just what the hell are the kids supposed to drink when we take them to all the fun places anyway? I haven’t seen a good substitute for pop in the same form as a dispensable fountain drink yet, that kids would ask for on a regular basis.  I know……Fountain CoolAid!!! Yea.

Nope, that wont work either, because that has sugar in it too. So how about a good glass of Fountain Water, little Suzie, to wash down that CANDY BAR  and all that PINK COTTON CANDY YOU JUST ATE!!!!!!! (Do you really think that just pop is the problem? What will be next people?)

Through this whole mess, the only thing that hasn’t gone up much in price at all is pop. The manufacturers have cut corners where necessary and have managed to keep their prices stable for the last year unlike most everything else that we buy.

They are about due to have to raise their prices sooner or later and now with the new Fat Tax added to pop first, how is this going to affect them or the price of pop if they raise their prices after the Fat Tax. Maybe they can just lay off more workers, so they don’t have to raise the base price any higher.

It’s no wonder why the government is becoming less and less credible in the eyes of the Hard working Tax Paying, Voting, American Citizens.

Did you catch the Voting part people???????? Huh!!!!!!!!!!!

Now pass me the popcorn and my pop and get the hell out a my favorite chair because I’m ready to watch a little C-Span on cable! I wonder why they don’t put the government channels on regular TV so everyone could watch?

Bankruptnooption.

Senator Bunning Won’t Seek Reelection! Amen!

Well imagine that, he won’t seek reelection. I wonder why? Maybe it’s because everyone in America is ready to send the guy packing for holding up an Emergency Unemployment Extension.

What’s the matter with this Crazy idiot anyway. He may very well have good reason for opposing the bill that will add to the budget and that has a bunch of other crap thrown in, so it will have to be passed also.

Fine, so he has good reason to buck it, but when bucking it up front stands between thousands of peoples only means of support, and is hurting many tragically, the idiot is going about it totally wrong and doesn’t need to ever serve the people again in any capacity.

He, being a professional, could have passed it and then made a major stink over how the process is wrong, because too much stuff gets included when it shouldn’t and then tried to raise support to change it. Not screw around with the lively-hood of thousands of Americans.

I wouldn’t vote this guy in for Dog Catcher if he ran and that’s my opinion.

Kentucky, what’s your opinion? After all, he is yours!

Bankruptnooption.

Washington Senators walk out on Unemployed Americans!

What a shame. Why did they do it? The Washington senate walked out Friday 2/26/10 for the day before passing the EMERGENCY UNEMPLOYMENT EXTENSION which had already been passed in the House.

They left it dead and many peoples unemployment benefits will end before Monday when they come back. It was said by someone that they expect to pass it next week.

I do know this is going to affect millions who’s benefits run out and it will affect a ton of new filers also.

Just imagine how you would feel about your government if you were one of those affected by this. No job and now no money to live on at all.

I am not sure just why they didn’t understand it was an EMERGENCY EXTENSION, or the importance of it, but I guess they have to get reelected just like any politician does and that’s where the people’s voices who were effected come into play.

If you are unhappy with what the group of senators did, then the next time you see one running for reelection, make sure you register to vote and then go to your voting location and let the senator know they screwed up, by not voting them in again.

If enough people in this country start to vote in all of the elections, than maybe the elected representatives would start to get the message. They work for us!

When they decided to end the week and go to their nice plush homes for the weekend, that are paid for with the money they earn because they are  elected to work for America, they left Millions of their fellow Americans without money to pay for food or mortgages by not passing the EMERGENCY UNEMPLOYMENT EXTENSION.

That my friends is why you need to vote next time and put them out on the street without a job, if they aren’t going to do the work that is needed, when it’s needed!

I hope that the unemployment commission will straighten out everyone’s claims when the senate finally does pass it and that no one misses the extension who would have gotten it had the senators had enough concern for their fellow Americans to pass it when they should have.

This is just another example of how our government is not working correctly and how the business of America is not being done properly.

Check out this clip from Senator Evan Bayh, he’s seen it not working! And now he’s leaving politics because of it!

Here’s a link to the story Yahoo News did but hurry, their stories vanish Fast!

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.

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.

Set up a Simple Budget, it’s Your Money!

I was always someone who was dead set against budgeting. I think that was mostly because I was younger and just didn’t realize the importance of setting one up.

I had more money than bills at that point in life and I just didn’t care about finances. But now that I have a lot more years under my belt and have all of the bills and things that go along with it, I realize that a budget isn’t something you make up to limit your spending. A budget is something you make up to be sure that you spend wisely and to let you know where you stand as far as your bills, other debts and savings are concerned. (You can opt to leave out any savings items from your budget if you want to, just don’t write any of them down. Simply take any extra cash each month and save or spend it like normal.)

So let’s get a spiral and make up a quick budget sheet you can use for every month of every year, to let you know at a glance where you stand financially for the month. This will enable you to save more and be able to afford more things that you want or need.

Let’s start by creating a spending sheet for your spare cash. You will only make one of these when you need to figure out what things you can eliminate or to figure out how much you spend in a month on a particular item, such as groceries, or clothes if you are not sure how much to budget every month for things like those.

Just label a page “Spare Cash” and every time you spend money write down what for and how much. Put down on this page everything you bought down to the penny, use several pages if you have to, and you will quickly see after a couple of months, just where all the spare money you have left after paying your bills, is actually going.

Someone I knew did this and found out that the candy bar they bought ever day after lunch, could easily pay their cable TV bill! They quickly gave up the candy to pay for the cable and they also lost weight by doing so. A Doubleheader!

You will be surprised to see just how much money you spend on things and may even end up with more money than you ever thought you would have, just by finding and then cutting out a few unnecessary items.

Once you have done this until you are satisfied that you know where your extra cash is going, we can now start to keep a budget. (You can actually skip the “Spare Cash” part and get straight to the budget if you want. But if you are ever wondering where all that extra money you may have each month is actually going, then make one up. It’s a real eyeopener!)

Now take one page and write the month and year across the very top. Draw a line down the middle, seperating it into two long columns.  On the top left,  label it “Income“. List all of the income you expect to earn after taxes for this month. As close to the penny as you can figure. Every dollar you know you will earn or get from somewhere or someone to bring home to spend this month.  Total up this column.

On the top right, label it “Expenses and Savings“. This is the column where you will list every expense for the month or anything you are saving for or making payments on. Put your most important bills first. Then list things like donate to charity, club dues, and anything else that cant hurt your credit or wont involve a penalty or late fee. They go on last. These are the things we can skip once in a while then catch back up on later. Everything you will spend money on or save money for in a month gets labeled and has an amount in this column. From bills, to food and clothing, to lunches and movies, to bank savings accounts and investments. Use the back of the page or more pages if needed.

When doing your budget, you can choose only to include the major items, if your the type of person who doesn’t sweat the little things and just spends pocket cash for movies, gasoline and such, or you can include everything you will put out money for and budget down to the penny! It’s up to you but even if you only include the have to pay expenses, at least you know if you are covered for those!

Once you have the total amount for everything you spend or save for in a month, including all of your bills, rent, car payments, utility’s, cable, food, clothing, gas, lunches, doughnuts, movies, bowling, pop, new sheets, tools, work clothes, savings accounts, get well soon cards from work, donations, lent money, anything- IRA’s etc., than you can figure out just where you stand financially for the month. So total this column, now.

Here is where we boil it all down and see what we have to do to pay for everything monthly. Subtract the total of the “Expenses and Savings” column from the total of the “Income” column and this will give you a total dollar amount that you will be either short or over for the month. This is an important number to know. It tells you whether or not you can afford everything you listed in the “Expenses and Savings” column for that month or if you have to hold off spending money on something until next month.

Learn to adjust the dollar amount for items listed near the bottom of the  “Expenses and Savings” column for each month. You can put in things that you are saving for every month, like an expensive vacation and adjust that amount to be less or more every month to cover other bills if needed. You can make an extra small column to the right of (Expenses and Savings) and use it to keep a running total of how much you have saved or spent for each item through that month. This way you will know when you will afford the item or how much you spent on something so far and your budget now becomes a Spending and Savings record log also.

Budgets are great because they actually put you in control of your money. If you have enough money for all the necessary things after eliminating the unnecessary things, than you are doing good. But if you are short on paying a few bills for the month, than you can use your budget pages to easily figure out just what you can cut or who can wait to be paid so you can pay those bills.

When dealing with creditors it’s a handy tool to let you know just what you can afford as far as a reduced payment is concerned. Deal with your creditors and tell them your whole story and they may very well cut you some slack, especially if you know just what you can afford to pay them without getting behind on all your other bills.

If you get laid off and start to collect unemployment (make sure you have them take taxes out of your check) then redo your budget with the new income figures and see just what else you can eliminate in order to get by on the lower amount.

Remember, budgeting is nothing more than putting a jar on the table for each thing you will spend money on or save money for during that month and then taking all of your money and filling up the jars as needed. The only difference is that you are writing the jars on paper and writing in the money, that’s it!

Putting your finances on paper like this every month will help you control your money and why not control it, after all it’s yours isn’t it!

You can even get generic budget books at office supply stores or make your own custom pages with everything you need on them and have them copied so all you have to do is put in the amounts for each month. Make sure to leave a little extra space in the columns for any extra items that may crop up. Copy a dozen or more for each year and you will be set to spend your money wisely!

HOT TIP. If you are having trouble with several bills being due close together, than call each company and explain ( to the manager ) how all of your bills due at once is a hardship for you and ask them to adjust their due dates so they will be all be spread out during the month between your pay or unemployment checks.

Here is a link to News Radio950′s online budget calculator, It’s good but not as complete as your own budget on paper, but it may help with your own.  News Radio 950 Budget Calculator

Bankruptnooption.

Will it be Fair to FINE the POOR for not having Health Insurance?

I have heard word about something dealing with the proposed health insurance coverage for everybody and it doesn’t settle well with me or anyone I’ve spoken with. If I am wrong about this than Good, I am glad to be wrong about this, so just move on to the next article.

The fact of the matter is, I have heard in the news that the government wants everyone to have health insurance and you will have to pay something for it. It won’t matter how much you make per hour, you will have to have the coverage required and pay the price.

What disturbs me is this. If you do not get the insurance coverage as required, than you will be fined by your government for not having it. That’s right, FINED!

Can you believe it! I know I just fell off the chair I was sitting in. You have got to be kidding me! Isn’t this still America.

How the hell can anyone call it fair to punish those people who can’t afford it, by imposing FINES on them.

What if you are barely getting by, paying for your health insurance and your car craps out? You need to buy a new one to get to work with. Should you then continue paying for your health coverage so you don’t get FINED and lose your job because you can’t get to work, or use the insurance money to pay for a used car loan so you don’t lose your job, but get FINED for not having insurance?

Come on here, We Are Americans. And This still is America you know! Has the time really come in this country where the government is actually telling the citizens what to do, and pressuring us with the fear of FINES if we don’t do it?

If this is passed and carried out by the government and just one poor soul is FINED for not taking out the insurance coverage when they can’t really afford it, than I don’t ever want to hear the words ” Of the People, By the People and For the People” again as long as I shall live.

This is something really bad that is happening here folks, and it can’t happen without changing the whole idealism that our country was founded on. A government ran For The People and by The People who it is For!

Bankruptnooption.