Training for Book Authors
|
|
Other Resources for Book Authors & Publishers
|
|
Please Support Our Advertisers
|
|
|
|
|
Is Government Working For You - Or Are You Working For Government?
Copyright (c) 2009-2023 Fred Vanhoosen
The new Congress and President are hard-at-work trying to push through a new economic stimulus package. Our elected leaders are claim the stimulus package will cost $825 billion, but the Congressional Budget Office (CBO) - which is known for its accurate accounting - says that with interest costs, the package will actually cost $1.1 trillion.
To put the $825 billion into perspective, Glenn Beck suggested today that the government could give a $17,000 check to every American and the numbers would add up to the same amount of the new "stimulus" package.
We all know it - the government is not going to send any of "us" a $17,000 check in the mail. This stimulus is about helping political causes as opposed to helping the people who are suffering in a bad economy.
If the current stimulus package will cost us $17,000 each, then the TARP funds cost us the equivalent of $14,000, just a few months ago. Between the two stimulus packages, the government is spending at least $31,000 for every American in 2008-2009, and that number only accounts for the "emergency stimulus"; it does not even take into account the governments normal spending habits.
I don't know about you, but $31,000 is equal to more than half of what I earned last year.
If we believe in our leaders, we would be safe to assume that the government will not come to us to collect the full $31,000 they borrowed in our names. Instead, our leaders would have us believe that you and I will get a tax cut and "the rich" will pay all of that debt back to lenders. 95% of us will get a tax cut and the 5% who are rich will pay our tax bills for us. So every rich person will pay the tax bill for the 19 of us who are in the middle- and lower-income tax brackets.
If this is an accurate assessment of the cost of these two stimulus packages, then "the rich" will be responsible for an additional $589,000 each. If the rich are really those who make more than $250,000 per year, then I suspect that most of "the rich" people won't be able to pay off our debts for us. But what do I know... I am not a politician.
What Do I Know?
I will tell you what I do know. I do know that I cannot manage my own family's finances with the same fuzzy math that government uses to manage its money.
I know that if I only have $3500 per month to pay my bills with, then I only have $3500 per month to pay my bills with. I also know that if I can find a mortgage company to finance my next home purchase, at a monthly payment I can afford to make, then I can buy a home. I also know that if I can find a finance company, which will loan me the money to buy a car, I can buy a car on credit.
At every step in the process, I need to know that I can reliably make all of my payments; within the context of the money I will reliably earn every month.
When my income drops, I need to find something to cut from my monthly expenses. If I cannot afford something this month, then I will not be able to afford it next month either. Rather than to try to live beyond my means, I have to cut something from my monthly expenses, because in the end, I need to do what is best for my family.
If the cash shortfall is temporary, like when I need to pay the mechanic to fix my car, or my wife gets another speeding ticket, then I can look to a payday loan company to help me cover that short-term cash shortfall.
In my case, the cash advance or payday loan is cool to use, but only if I am using it to cover a smaller, unanticipated expense. On the other hand, if the cash shortfall is expected to last several months, like when I needed to pay out $1100 over several months to pay the transmission shop for the new transmission in my car, then I would never consider a payday loan. Instead, I would find something that I could do without for several months and then do without that item.
Why Is This A Difficult Concept For Politicians To Understand?
At all times, we do what we can to live within our means, If we need to borrow money, we only do so when we are reasonably sure that we can pay that money back. If we cannot afford to borrow the money, then we look for things in our budget that we can cut.
But our politicians will never do such things. Even cost-cutter Governor Arnold Schwarzenegger cannot seem to figure out how to stop spending money. Experts are now suggesting that the State of California is only collecting 60 cents on every dollar it spends! OMG... Where does it end?
So, California is looking for money to borrow, and the federal government is borrowing money and printing money so that they can spend well beyond their means as well. And why are the politicians still spending money like this? Because we are in dire economic circumstances!
You and I cannot borrow our way to prosperity, so why would the politicians believe that the U.S. Government could borrow its way to prosperity?
If you ask me, it is because our elected officials are just plain stupid. They have decided that you and I exist so that we can take care of the needs of the government, instead of the government existing to take care of our needs.
"The rich" are not going to be able to afford to take care of all of the costs or our government, so in the end, you and I will be paying out of our very limited budgets to take care of the financial needs of our government. They have stopped working for us - now, we work for them. We just don't know it yet.
Fred Vanhoosen writes about the payday loan / cash advance loan industry. Occasionally, he feels compelled to comment on the financial habits of our government. To learn more about cash advance loan products, he recommends visiting the following website: http://www.fastcash4all.net/
|
VOTE ON THIS ARTICLE
Needs Work >>
0 -
1 -
2 -
3 -
4 -
5
<< Excellent Article
Tell our authors what you think about their article.
|
Top-Level Category: Family Articles || Related Categories: World Events Articles
10 Most Recent Articles Written by Fred Vanhoosen
Easy Tips To Reduce Your Cost Of Living And Survive Recession
Written by: Fred Vanhoosen |
Distributed: 2009-07-14 |
Word Count: 505 |
Page Views: 5877
| Votes: 18 |
Rating: 2.39
Recession is a period of general economic decline and we need to
prepare for it. Surviving the recession is much easier when you
are prepared for it. Here are some tips for surviving the current
economic crisis.
13 Tips For Saving Money And Reducing Your Cost Of Living
Written by: Fred Vanhoosen |
Distributed: 2009-07-09 |
Word Count: 899 |
Page Views: 4127
| Votes: 15 |
Rating: 2.20
During this current economic downturn, people are rediscovering
how to save money during hard times. In this article, we document
thirteen of the most useful tips for helping you and your family
save money and reduce your overall expenses.
21 Plus Tips To Help You Recover From A Personal Financial Crisis
Written by: Fred Vanhoosen |
Distributed: 2009-07-07 |
Word Count: 2200 |
Page Views: 4683
| Votes: 15 |
Rating: 1.47
In this article, we show you exactly how we were able to overcome
a recent financial crisis in our family's personal finances. We
detail 21 primary tips that can help you reduce your overall cost
of living, but we also include other tips that can help you to
recover your finances enough to survive the crisis.
A Baker's Dozen of Grocery Coupon Websites And Resources
Written by: Fred Vanhoosen |
Distributed: 2009-07-07 |
Word Count: 580 |
Page Views: 6687
| Votes: 15 |
Rating: 2.07
In the past, many people read newspaper and magazine articles
about and watched news segments showing others who often food
shop for free using coupons. The average family often does not
have the time to organize and purchase food in bulk to make such
a stupendous leap into savings. But, by following the links in
the article and visiting the referenced websites once a month,
any family can learn how to cut their grocery costs from a little
to a lot...
Seven Tips That Could Add Hundreds Of Dollars To Your Monthly Budget
Written by: Fred Vanhoosen |
Distributed: 2009-04-23 |
Word Count: 1348 |
Page Views: 4141
| Votes: 9 |
Rating: 2.89
In this article, we offer seven tips that if used can help the
average American family reduce their living expenses by at least
$100 per month.
When Pennies Count, These Budgeting Tips Could Save You Hundreds of Dollars Per Month
Written by: Fred Vanhoosen |
Distributed: 2009-04-22 |
Word Count: 911 |
Page Views: 3833
| Votes: 7 |
Rating: 1.57
The current state of the economy has been a wake-up call for many
people and it's causing them to get serious about saving money
and eliminating debt now. This article will give you a lot of
ideas on how to reduce your spending, pay off your debts, and
move more money into savings - through the current recession or
any financial emergency you may experience.
Tips For Restoring Your Credit In The Aftermath Of Foreclosure
Written by: Fred Vanhoosen |
Distributed: 2009-03-19 |
Word Count: 1621 |
Page Views: 3820
| Votes: 16 |
Rating: 1.88
If you have met foreclosure or bankruptcy and you are wondering
about your ability to rebuild your credit, this article will be
useful to you, as it shows you several techniques for rebuilding
credit after foreclosure, repossession or bankruptcy.
Available Loan Products During a Credit Crunch
Written by: Fred Vanhoosen |
Distributed: 2008-12-10 |
Word Count: 1273 |
Page Views: 3657
| Votes: 6 |
Rating: 1.33
As we turn on the news each day or pick up our local newspaper,
we are inundated with the bad news about the effects of the
credit crunch on the larger economy. With so much bad news about
the economy, it is easy to believe that the credit crunch is deep
running and affecting every sector of the economy. But the truth
of the matter is that the credit crunch is pretty much regional
in nature and it is only affecting certain types of lending.
Continue reading this article as we explain this assertion.
Payday Loans - Convenience and Danger
Written by: Fred Vanhoosen |
Distributed: 2008-12-08 |
Word Count: 1027 |
Page Views: 4239
| Votes: 8 |
Rating: 2.38
Payday / Cash Advance Loans are a godsend for those consumers who
truly have a temporary short-term cash need, but what is a
blessing for one consumer can easily be a nightmare in the offing
for another consumer whose financial needs are more dire and
long-term in nature. Get the facts before you select this kind of
loan product.
All of Author's Articles on this site: Fred Vanhoosen Articles
Most Recent "Family" Articles
Why We Women Are Our Own Greatest Enemy When Dating
Written by: RoseMary Alberts |
Distributed: 2013-11-06 |
Word Count: 544 |
Page Views: 8632
| Votes: 33 |
Rating: 1.97
I have learned that while there are women who want to be
committed to one man, there are some others who seek only
attention, gifts, dinners, movies etc, and still others who are
only interested in having a physical relationship. But all these
three categories cannot be used as a base to judge women and
their point of view about relationships only because, like I
said, "Women never know what they want." So read on and you
will know what I mean...
When A Strong Woman Can Make You A Better Man
Written by: Coalton Reynolds |
Distributed: 2013-11-05 |
Word Count: 625 |
Page Views: 11260
| Votes: 24 |
Rating: 2.04
Behind every man, there is a strong women. After my recent
split with my girlfriend of two years I have found myself
thinking how much I have changed. At first, I just thought I
was only different around her, but now I seem to be a
totally different person.
Tips to Help You Get Back in the Dating Game After a Long-Term Relationship Ends
Written by: RoseMary Alberts |
Distributed: 2013-10-30 |
Word Count: 773 |
Page Views: 8567
| Votes: 24 |
Rating: 1.50
There are very few things in life that are as terrifying,
frustrating, rewarding, exciting and just plain crazy as dating;
especially if you have ceased to be a "spring chicken" or have
been out of the dating scene for many years. If you've found
yourself "back on the market" after being in a committed
relationship for many years, you may be petrified by the prospect
of dating again. The tips in this article will help you get back
into the game quickly and successfully...
The Eight Commandments of Online Dating
Written by: Kandice Skaggs |
Distributed: 2013-10-24 |
Word Count: 1153 |
Page Views: 5355
| Votes: 9 |
Rating: 1.22
Dating and "desperate" may start with the same letter, but
they are not synonymous. Never were and never will be. If
you take the time to follow these eight online dating
commandments, you might be able to find the happiness you
seek at the other end of your online dating communications.
The Day My Daughter Woke Me Up to See That Her Father Never Really Loved Me
Written by: Mary Ann Lipitz |
Distributed: 2013-10-18 |
Word Count: 527 |
Page Views: 7346
| Votes: 26 |
Rating: 2.04
I am 31 years old with two children, and I was in a relationship
with the man I loved until two years ago. We were not married but
we lived together, and yes he is the father of my children. We
had been together for more than five years at that point, but we
never felt the need to get married. We had been happy the way
things were, until one day my daughter changed all that, at least
for me.
Dating Rules Explained: How to Turn Your Date Into a Relationship
Written by: RoseMary Alberts |
Distributed: 2013-10-16 |
Word Count: 779 |
Page Views: 9154
| Votes: 28 |
Rating: 1.64
How adults behave on a date depends more on their intentions
towards the other person than it does on other factors. For
instance, a man who really likes a woman is going to behave
differently towards her than he would a woman he is only casually
interested in. Sometimes, it is hard to know the difference.
6 Things You Can Do Today To Reduce Your Carbon Footprint Tomorrow
Written by: Lee Dobbins |
Distributed: 2011-12-12 |
Word Count: 845 |
Page Views: 6808
| Votes: 6 |
Rating: 0.67
Reducing your carbon footprint is something that everyone
should strive for but what if you don't have a lot of money
to buy eco friendly appliances and hybrid cars? Here are 6
easy things that you can do right now to help reduce your
carbon footprint. These won't cost you a dime and might
even save you some money!
Raise Responsible Children
Written by: Marvin Marshall, Ed.D. |
Distributed: 2011-07-19 |
Word Count: 926 |
Page Views: 569
| Votes: 1 |
Rating: 3.00
Using the strategies outlined here will help give your children
both roots and wings. You will find yourself on the parenting
journey to raise responsible children with less stress and more
enjoyment for everyone involved.
Alpaca Wear Makes Terrific Gifts for Men and Women
Written by: Robert Moore |
Distributed: 2010-07-27 |
Word Count: 772 |
Page Views: 4861
| Votes: 3 |
Rating: 0.67
Alpaca wear has a long and venerable history and the first
record of Alpacas was in the Andean mountains. Alpacas were
perfect for producing a fiber suitable for protecting these
people from their extreme climate. Alpaca fiber is similar
to wool and known for its beauty, luster, warmth, and stain
resistance.
Top Ten 'Mistakes' Made by Parents America
Written by: Ryan Hogan |
Distributed: 2010-04-27 |
Word Count: 970 |
Page Views: 5789
| Votes: 3 |
Rating: 0.67
On one hand the word "mistake" may be too harsh. Every
child is different and only you really know if your
offspring is happy and flourishing. Therefore, who is to say
what a parenting mistake is and is not? On the other hand,
"mistake" may not be harsh enough.
Most Viewed "Family" Articles
Girls Sleepover Party Ideas
Written by: Jillian Gallo |
Distributed: 2008-09-16 |
Word Count: 837 |
Page Views: 17062
| Votes: 140 |
Rating: 2.04
Throwing a sleepover for your daughter is one of the most
memorable events she will have from her childhood. Regardless of
her age, these parties make memories she will take with her as
she grows up. How can you make these nights more memorable? By
following a few tips, you can make the most out of your
daughter's next sleepover.
How To Identify Toxic Black Mold
Written by: Daryl Watters |
Distributed: 2007-05-08 |
Word Count: 405 |
Page Views: 14589
| Votes: 26 |
Rating: 2.38
Need toxic black mold or stachybotrys toxic mold testing
information or mold inspector information. Certified Florida
based mold assessor and inspection firm serving Broward Dade and
Palm Beach County including Miami and Ft Lauderdale. Conduction
Florida mold testing IAQ testing for commercial and home house
mold and indoor air quality problems. Florida mold inspection.
Graduation Flowers Are At The Head Of The Class
Written by: Wesley Berry, AAF |
Distributed: 2008-04-24 |
Word Count: 538 |
Page Views: 14386
| Votes: 35 |
Rating: 1.83
The coming of spring signals new beginnings, and each year many
young adults take the first steps toward that new beginning
when they walk across the stage to accept a diploma at their
graduation ceremony. Of course, with graduation comes excitement,
smiles, tears, a big celebration, and lots of wonderful memories.
One way to help make the day even more beautiful and memorable
is with flowers.
When A Strong Woman Can Make You A Better Man
Written by: Coalton Reynolds |
Distributed: 2013-11-05 |
Word Count: 625 |
Page Views: 11260
| Votes: 24 |
Rating: 2.04
Behind every man, there is a strong women. After my recent
split with my girlfriend of two years I have found myself
thinking how much I have changed. At first, I just thought I
was only different around her, but now I seem to be a
totally different person.
How To Find Work At Home Jobs For Work At Home Moms
Written by: Glen OReilly |
Distributed: 2009-11-03 |
Word Count: 1512 |
Page Views: 9585
| Votes: 29 |
Rating: 2.52
As the economy continues to tighten for many American families,
more moms are looking to the Internet to find the extra money
needed to help their families survive during this economically
challenging time. The good news is that there are plenty of
opportunities for the mom seeking to earn money from home... When
you know where to find them... This article will show you where
to find those work-at-home jobs and telecommuting jobs you
desire...
Destructive Behaviors That Cause a Relationship Break Up
Written by: James Kern |
Distributed: 2009-07-15 |
Word Count: 644 |
Page Views: 9471
| Votes: 21 |
Rating: 2.43
On the surface, you think that being in love is the greatest
thing since sliced bread, but underneath you're flailing and
kicking and trying to get back to the status quo, which is you
being alone and miserable. It sucks, but you're used to life
there. If Alone and Miserable were a bar, everybody there would
know your name.
Selective Mutism Disorder Is More Of A Problem Than You Think
Written by: Ingrid Stenquist |
Distributed: 2007-04-11 |
Word Count: 682 |
Page Views: 9445
| Votes: 33 |
Rating: 3.42
One of the worst and most severe manifestations of childhood
social anxiety disorders is labeled as Selective Mutism disorder.
Originally, fifteen years ago the disorder was called Elective
Mutism because doctors figured that all children who didn't talk
were either shy or in another category. Elective mutes were seen
as belligerent, stubborn, and obnoxious kids who were rebelling
by not talking against some effort in order to get attention.
Pepper Spray: How Does it Feel to Get Blasted?
Written by: Fred Cheney |
Distributed: 2007-12-18 |
Word Count: 477 |
Page Views: 9440
| Votes: 28 |
Rating: 2.61
It's something to think about. What would happen if you tried
to use pepper spray and it sprayed into your own eyes? And,
could you accidentally blind someone with it? Permanently maim
them? What are the effects of pepper spray? These are important
questions and they certainly have answers.
Dating Rules Explained: How to Turn Your Date Into a Relationship
Written by: RoseMary Alberts |
Distributed: 2013-10-16 |
Word Count: 779 |
Page Views: 9154
| Votes: 28 |
Rating: 1.64
How adults behave on a date depends more on their intentions
towards the other person than it does on other factors. For
instance, a man who really likes a woman is going to behave
differently towards her than he would a woman he is only casually
interested in. Sometimes, it is hard to know the difference.
I Want My Ex Back! 5 Tips That Will Improve Your Chances
Written by: James Kern |
Distributed: 2009-03-03 |
Word Count: 625 |
Page Views: 8921
| Votes: 15 |
Rating: 2.73
Five killer tips that help you claw back your ex, even if your
situation seems in dire straits.
Highest Ranked "Family" Articles
Selective Mutism Disorder Is More Of A Problem Than You Think
Written by: Ingrid Stenquist |
Distributed: 2007-04-11 |
Word Count: 682 |
Page Views: 9445
| Votes: 33 |
Rating: 3.42
One of the worst and most severe manifestations of childhood
social anxiety disorders is labeled as Selective Mutism disorder.
Originally, fifteen years ago the disorder was called Elective
Mutism because doctors figured that all children who didn't talk
were either shy or in another category. Elective mutes were seen
as belligerent, stubborn, and obnoxious kids who were rebelling
by not talking against some effort in order to get attention.
Anybody Can Spend, but Can You Save?
Written by: Rich Thawley |
Distributed: 2009-01-22 |
Word Count: 527 |
Page Views: 4608
| Votes: 20 |
Rating: 3.25
We have a great weakness in our society of wanting immediate
gratification. We are under a constant barrage in all forms of
media to buy this or to buy that. In our world of credit cards
and charge accounts it is a challenge for many to resist the
temptations of materialism. Don't get me wrong, I think it's
fun to have nice things, but only after we can afford them.
How Can Bible Study Help Kids Grow Up?
Written by: Adam Barnett |
Distributed: 2007-10-23 |
Word Count: 463 |
Page Views: 5384
| Votes: 13 |
Rating: 3.15
Bible study is probably the number one way to keep your kids on
the right path, and keep them out of trouble. We can't watch our
kids all day and night, and we can't keep bad influences from
coming to them. But what we CAN do is make sure they know wrong
from right. This will help them when they face problems and major
decisions on their own.
Being a Parent... Opportunities to Turn A Bad Experience Into a Good Experience
Written by: Bill Platt |
Distributed: 2007-11-12 |
Word Count: 478 |
Page Views: 5890
| Votes: 21 |
Rating: 3.10
The biggest challenge I have had to face in my own life is that
of being a good parent. My kids make it hard for me to stay true
to the rules of good parenting... They break everything I own...
Repeatedly... Fortunately, I do have the presence of mind to
realize that as toddlers and young children, they really do not
intend to break things...
Home Alone Child Safety
Written by: Jerry Tarrer |
Distributed: 2007-03-21 |
Word Count: 1038 |
Page Views: 4564
| Votes: 8 |
Rating: 3.00
Your child's safety depends to a large part on good
communication between you and your children. This is especially
true of two-income families, and single parent families where the
children are left alone for extended periods of time and have to
care for themselves.
PB and Js And Licking The Bowl - The Joys Of A Kid Friendly Kitchen!
Written by: Pamela Cole Harris |
Distributed: 2008-02-14 |
Word Count: 554 |
Page Views: 5452
| Votes: 8 |
Rating: 3.00
Remember licking the bowl when you were a kid? Or making your own
peanut butter sandwiches with grape, or better yet strawberry,
jelly? Mmmmm... the smell of homemade oatmeal cookies! And they
were even better because you knew you helped make them! Kitchens
can be a place of special memories for kids of any generation.
Are you building those memories with your children or do you view
the kitchen as a dangerous place for kids?
Educational Toys Can Be Fun
Written by: Kim Michael |
Distributed: 2009-04-01 |
Word Count: 521 |
Page Views: 3739
| Votes: 10 |
Rating: 3.00
Most parents these days are looking for toys that can be both
educational and fun. When playing with our children, parents want
to teach as well as have fun.
Potty Training Made Easy
Written by: Kim Michael |
Distributed: 2009-04-07 |
Word Count: 507 |
Page Views: 4281
| Votes: 7 |
Rating: 3.00
If you're the parent of a toddler, you are probably looking for
the right signs that your child is ready to be potty trained.
Potty training your child can be a frustrating time in your life.
When your child is ready to be potty trained, they will provide
to you clues that the timing is right. If you capitalize on these
clues, and use the right tools, this can be an exciting time in
your life, as well as your child's.
Understanding State Child Support Laws and Guidelines
Written by: Amerion Abler |
Distributed: 2007-01-15 |
Word Count: 1078 |
Page Views: 3515
| Votes: 12 |
Rating: 2.92
Child support is the government's means of ensuring that
children enjoy the financial security that a two-parent home
would have afforded them. This is the primary moral concern of
child support laws --- that children be well provided for --- and
it is based on the principle of responsibility. Read on as we
examine the role of child support and how to keep it fair for
both parents.
A Cruzader Christmas
Written by: Lisa Stockmann Karp |
Distributed: 2009-01-23 |
Word Count: 1185 |
Page Views: 5555
| Votes: 9 |
Rating: 2.89
Jun and Joyce Dela Cruz couldn't believe their eyes. In November
2000, they watched a disturbing television news report that
changed their Christmas forever. Thousands of the more than
10,000 homeless on Los Angeles' Skid Row would be going without
a Thanksgiving or Christmas meal that year.
|
|
|
|
|
Article Reprint Rights
|

This work is licensed under a
Creative Commons License
You are not required to show the creative commons license notice when you reprint this work.
|
Article Statistics
|
Word Count: 1028
Total Views: 4094
Article Rating: 1.75 of 5
Votes Cast: 8
More Articles By Author:
Articles On This Website
Last Distribution Date:
2009-01-28 12:24:00
Internal ID: #6537
|
|
|