Creditors and Collectors

Remember that old expression: "Another day, another dollar"? I bet you cannot say that today. You will find that the dollar has shrunk. Buying power is diminishing rapidly. I hope that things change soon. The bankruptcy business is booming and collectors are becoming ravenous. In this day and time, you need to know your rights. Creditor harassment is as crazy as ever. I have heard every pitch from a collection agency there is. I had once tried to settle a bill and made what I believed was a reasonable offer. I could have paid it off in a decent amount of time and moved on with my life. Well the collector decided it was not enough and tried to make me agree to three times that amount. I know I did not have that kind of money, and to add insult to injury, the creep had the nerve to give me one hour to agree to his terms. Of course I did no such thing and began researching bankruptcy. To demonstrate how insidious they are, they called me about a week later with an offer that was still completely out of my range. So, I referred them to my attorney.

Collectors are a rare breed. The good ones seem far and few between. I spoke with one on behalf of a client and this guy offered the man a job. That is one compassionate individual. I doubt he will last in the collection business. I can see him becoming sick of the whole thing and becoming involved in a more honorable profession. I wish him well.

I hope and believe things will improve...maybe not as fast as I would like, but soon enough. I have gotten more frugal and conservative with my finances. I have cut back on a lot of recreation and niceties I have been used to. The positive thing is I will be able to one day open a savings account. Hopefully, it won't be with AIG.

PS. a message to corporate America. Stop shipping our jobs out of the country. I hope that the President repeals all the tax breaks you have been receiving, until you bring back the jobs.

Back Again

Been away for awhile, but I am back again. The economy is still in the news and we are all still hurting. Republicans are fussing about the plans to get everything back on track, but they totally ignore the fact they are responsible for the crisis in the first place. So let's wait and see what happens. President Obama needs time and support to make everything work. Nothing will happen overnight. Hey everyone let the dummy have eight years after he screwed up the first four. So give the guy a chance.

I am trying to figure out the conservatives. Funny, the majority seem affluent financially and unwilling to see anyone else get there. I look at some of their statements and the way they seem to talk about those less fortunate than they. I get sick when I hear some of it. I find a lot of their verbage borderline bigotry. (Not so much in the racial sense, though they touch it a bit), I find they are down on the less fortunate. Most conservatives I know never address race or class, unless they are talking about welfare or some other form of public assistance. I never hear of anything positive about the people they bash. They are also closed minded to the point of being nauseating. I get sick of myself sometime, because I have to respect their right to feel however they feel, no matter how wrong they are. They have to learn that "business as usual" has no place in America today. The dimwit and the criminal are no longer in power. Now if I can just stop those dumb emails from RNC.

I Know Jim Crow Personally

For those who expected President Obama to perform miracles during his first one hundred days, think again. The Republican partisan lines are alive and kicking with the usual total disregard for those who need the most relief. What strikes me as ironically funny is the fact they really don't have a clue. To the Republican old guard there is nothing worse than being called a liberal. I occasionally work with a man who is so "Right-Wing" and bigoted, every time I see him, I think of "Archie Bunker". There was a lovable quality to Archie, he was a fictional character that made us laugh during the time slot he held in prime time on TV. This guy is scary because he is real! He works as an HIV Prevention Case Manager. His assigned areas are usually inner city and minority populated. During a conversation we were having one day, he pointed out the beauty of Reaganomics, the "Myth of Global Warming", the reason women should not be feminists and a host of other bigoted topics. When President Obama was elected, this guy stood in the middle of a room full of African Americans and did his best to trash the man. He made a comment about Obama is going to make all illegal immigrants legal. Well happens to be Canadian, a fact I forgot to mentioned. I never met a Canadian bigot before. Most Canadians I have met usually were pretty open-minded. This guy is such a bigot, he I keep looking for his White Hood and burning cross. I witnessed him being very condescending to women, (especially to women of color). He kind of made my stomach turn. What really confuses me is why he had the audacity to choose Social Work as his profession. I honestly look to see him plastered into the concrete for his behavior. Heaven knows there have been times when I wanted to do it myself. I think it best to wait and watch. I continue to attack his theories when he opens his mouth. I let him know my people are not stupid and you cannot just tell us anything. Oh by the way, he is the only White person on his detail and you would think he was the slave master. He even subscribes to the theory that Blacks will go to heaven as servants to whites, after death. Unfortunately, he is the rule as opposed to the exception when you are confronted with the Republican "old guard". They just throw the "moderates" out front. Sometimes I feel like I am back in the fifties, when I talk to people like this guy. I have a name for him; Jim Crow. Ignorance is a shame to most, bliss to people like Jim Crow.

I'M BAAACCCKKK!!!!!!!!!!!!!!!!!!!!!!!!

Hello everyone! I have returned from my hiatus and continuing to watch the political landscape. Believe me, there is a whole lot to watch. The Governor of Illinois is charged with all kinds of corruption. He tried to sell a Senate seat! Are you kidding me? The cynical part of me believes he is not an isolated incident, but just the knucklehead who got caught. You know this guy had stones. He literally called out for his phones to be tapped. Little did the dummy know the FBI had been doing so for the last two years, at least. When will they learn?

Now let's talk about the economy. I have stated in previous blogs that the present administration was going to take us to the cleaners. Well America; WE HAVE BEEN FLEECED! Now what? I know many who are suddenly unemployed who do not deserve to be. I am fortunate to be employed, but barely and still unable to effectively meet my financial obligations. Yeah, I can admit that. I know I am not alone. I read an article where it was stated that GW Bush was concerned about his legacy. Well Georgie, your legacy is shot! Your decision to let Dick Cheney lead around by the nose during your presidency is your undoing. All those tax breaks, permission for big business to ship valuable employment overseas, along with a war on the wrong damned country has made you the sorriest president I have witnessed in my life. I give you credit; for years I thought Richard Nixon stole the country...You have surpassed him and should have been forced to resign years ago. I guess no one wanted another "Tricky Dick" in office. I sure didn't. That might have been your act of mercy for this country. Oh yeah, I forgot about your initiative toward the fight against global HIV/AIDS. Excellent effort, except you increased global funding by about 34% and domestic funding by less than 2%. Did I mention the economy is still spiraling downward? Ford, GM, Chrysler all screaming BROKE. They had the nerve to fly down to DC on private jets asking for money...Were they crazy or high? They returned this time by less expensive transportation, still begging. I have the solution! How about asking the oil companies to bail them out? They continued making "gas guzzling" behemoths and failed to produce the kind of vehicles that could meet the challenge of the foreign automakers. I believe since they have taken such good care of the oil industry; the oil industry should repay them in kind. Give the $34 billion to the the "Big 3", the oil companies won't miss it. Did you see the profits these jokers made? Over the the last few years, oil companies have done swell. They should "spread the joy" among their allies the automakers.

Oh well, tighten up your belts! It is going to get rough!

What a Disappointment

Sometimes, I expect politicians to behave badly, but not to this extent. Mudslinging; just part of the game. This time, though, it appears as though things are starting to get out of hand. The verbal attacks on Senator Obama are despicable to say the least. I keep hearing the McCain camp saying that Obama is a liar, however it has been my experience the liars in the last eight years came from the Republican side of the aisle. McCain has an interesting past and Palin is mired in stupidity. What's scary is that there are many who are gullible enough to believe her ignorant ramblings.

I respect anyone's right to free speech, until it becomes slander. Uninformed banter usually means fear or ignorance. It seems that both are in play now. It is shameful how this is playing out. I wonder if this was what the founding fathers had in mind when they framed the Constitution.

The economy is in trouble, we are in a war we should never have been in, and McCain wants to give tax breaks to the rich. What a disappointment.

BACK TO THE MUD-SLINGING

Sarah Palin's stupidity is consistently being demonstrated every time she opens her mouth. The First Amendment is definitely being misused here. Actually, she is trying appeal to the bigots zealots and misinformed in our country. Her rant about Obama being "chummy" with terrorists is an attempt to attack Obama's heritage and surname to create the psychological inference that he is a collaborator with terrorists and other enemies of America. Noting can be further from the truth. So, Dingy..stop with the mudslinging. You have to have facts, not assuptions.

Comedians joke about Governor Palin's intelligence. I am not joking, I am thoroughly convinced she is "life-stupid". For whatever reason, she seems to just say things that do not make a lot of sense. When she opens her mouth, I expect a bird to fly out. Funny though, I still have not heard a comment about the African-American guy who says Bristol's baby is not Levi's, but his. Can you say "Cover-up".

This is gonna be one interesting election. Does McCain and Palin actually think America is that stupid?

What Debate???

Okay, I had been waiting for and looking forward to the Vice Presidential debate on Thursday. What a letdown. I fell asleep on it. From what I saw, Palin showed me jack! She didn't answer any of the questions posed to her. She kept talking about things any moron knows. She claimed she was talking to the American people...What am I Russian? She sure wasn't talkin to me! She keeps talking about Obama being unqualified, but the she is the biggest joke in this election. You would think she would keep her mouth shut. She is as dumb as Dan Qayle. OK, so she happens to be the Governor of Alaska judging from the information I have read, she got the position by convincing the people she was the answer to their problems. Well, maybe she was, but she is anything but the answer to America's problems. Actually, her and her thinking is a big part of the problem. I keep hearing how "she held her own" in the debate; what debate were they watching? She was arrogant, obnoxious, disrespectful to Biden and the moderator, and above all STUPID! If her team gets into office, we are in DEEEEEP DODO. Wake up America, John McCain & Sarah Palin will be more of the same. By the way, how come no one is talking about this African-American man claiming to be the father of Sarah Palin's future grandchild? things that make you go hmmmmmmmmmmm.