40% Under Employment Americas real biggest problem.
Date: Wednesday July 15, 2009Posted in: Credit Loans, Politics, Real Estate, finance, justice, scams, work from home
Our economy is being affected by 2 major problems. One is the housing crisis, which covers everything from loss of credit to foreclosures, loss of home equity that people can use to borrow and spend. This generally means less people can afford to do home improvements, or buy home appliances or cars.
Well with that said, this also leads to the second major problem which is underemployment. I can already see based upon my own experience that certain professions like handymen and car salesmen are effected by our first problem, yet they may never file for unemployment. They are just under employed. What actually is happening right now is that there are about 10 percent national unemployment and 40 percent more are underemployed.
I can also say that I myself am underemployed, I have taken a pay cut but I still remain working at my same job and I refuse to slack off. I am forced to go out and pursue side job every weekend but I do it and I pay my bills. This is a major problem that I wish our big government would realize and it really hurts us all.
Underemployment is a much bigger problem than unemployment.
If we only had a problem with unemployment, things would not be so bad. I know it’s tough to be unemployed, because I have been in that position myself. After a few weeks it can make you feel tired and less enthusiastic about looking for a new job, but you have to do it.
Now I can also say that some people who are unemployed are not even looking for a new job. Especially if you are single and you live with relatives, then you can enjoy that check every 2 weeks and live a lazy life. I actually have seen this with my own eyes when I used to go to the unemployment office I saw many lazy people and I even rented a room to a person like this. They all tried to tell me that they would rather stay unemployed, because they can’t find a job that pays well.
That kind of attitude tells me that there are so many lazy people out there. I honestly think that out of 10 percent unemployed only 4 or 5 percent are truly unemployed the rest of these people are just too lazy to go out early in the morning to look for work. Or they are not willing to take any job unless it’s one where they sit in an air-conditioned office and slack off. Maybe that was the reason they got laid off in the first place.
These are also the same type of people that choose to stop paying their rent or mortgages, because they think the government is going to help them out. I’d say help them out to be more lazy. I wish we would just deport these lazy people instead.
What to do if you run into some Somali Pirates on your next voyage.
Date: Tuesday April 14, 2009Posted in: Heroes, Movie Reviews, Politics, justice, scams
We all heard the news, and we finally got some brave sailors who did not give into these modern day pirates. They fought back and that is the way it should be. Our society is lately trying so hard to make everybody think that we should not fight back again the bully. But I believe that also leads to a future society with more sissy’s.
If I were at sea and I saw this little boat with 5 armed men, and I was in a big ship, then this is what I would do. For starters, My ship is probably 50 times larger than their little boat. Their small arms are not going to be able to sink my ship. I also have enough steel structures and decks that will protect my crew from their small bullets.
Well here is what I would do:
First I would let these fools think that I was surrendering, but at the same time I would send the rest of my crew to the other side of your ship for safety. Then as soon as these maggots are about to board my ship. I would smile at them and simultaneously drop a few hand grenades into their little boat. In about 5 seconds they will all be blown to bits. Now the fish will have some extra food to eat and even if I have to repair my ship afterwords, this will be well worth it. This is exactly what these pirates deserve.
I have seen similar scenes in movies and I am actually looking for a video clip to post on this blog showing the grenade going off in a little boat and going baa-boom!
One thing that I cannot understand is: Why do none of the ships that travel in this area, carry at least a few small arms or grenades? Doesn’t anybody realize that as soon as these pirates begin to learn that most ships are protected or have security personal, they will have no choice but to go back to their internet bases Phishing schemes again.
I feel like throwing a bunch of TV mounts at these guys.
Loan Modification Clinics and fake Hope for Homeowners SCAMS H2H.
Date: Friday February 13, 2009Posted in: Credit Loans, Economics, Politics, Real Estate, finance, legal stuff, scams
Last Month I went to a so called Loan Modification clinic and they told me that they could help me to get my principal forgiven off of my failed investments mortgage. They told me all that I had to do was pay them $3000 up front and they would help me out in less than 3 months. If it took them longer I only had to pay them $600 per month. They told me not to worry and that their lawyers would protect me. They also told me to keep renting the house, but to stop paying the mortgage.
Well this seemed too suspicious for me and I choose not to do it. But what surprises me is that their office was full of lots of people in the waiting room. It looked like a hospital emergency room. I saw lots of less fortunate and probably less educated people, who were there with the hope to having their mortage problems miraculously resolved.
I will not mention the name of this place, because maybe their system actually works and then I would be accused of defamation. Also they claim to be lawyers so I do not want to get sued either. They seem to do a lot of radio and TV advertising too, so who knows maybe they know something that I do not.
The reason I did not trust them is because they told me that I qualified for the Hope for Homeowners program and that they could almost guarantee me that they were going to get me a reduction of over $100,000 from my principal and reduce my interest rate to 3.5 percent fixed for 2 years. As far as I have read and researched. No banks are yet participating in that H2H - Hope for Homeowners program and also it is not a program that applies to investment homes.
If somebody has proof to the contrary I would like to know this. In the meantime I am going to try to take this up on my own. I am going to skip a few payments and then ask my bank for a deed in lieu of foreclosure. The way I see it, I have no other chocie. The Financial Bailout is for the Banks and not for us homeowners.
Now there is one final request and I hope my new president can help with this. Since so many people are loosing their jobs. We need to make a new law that prohibits employers from not hiring people with a foreclosure on their credit reports.
