June 9th, 2009
And that’s only if I’m not being particularly cynical. Yesterday I heard on Ed Schultz’s TV show an elected Republican say that everyone in this country has coverage because all they have to do is show up at any emergency room. Really? People without insurance are charged much more than people with insurance, and everyone ends up subsidizing the uninsured who can’t pay. Maybe even the insurance industry. If you happen to be an honorable person who pays their bills and if you are uninsured, this whole process can sink you. Sixty percent of all bankruptcies today are health care related.
Elected Republican leaders would have us believe that there is actually competition in the health care marketplace. My brother is a physician, and his rates are effectively set by insurance companies. Because of antitrust laws he’s not allowed to discuss his fees with any other provider, which means they can’t possibly join together to negotiate with the insurance companies. Furthermore, if they complain too loudly they may be kicked out of the preferred provider network.
Basically no one is able to negotiate with the insurance companies, and they establish the charges and fees for everything. The people at both ends of the delivery system are hurt.
People in this country are proud of figuring things out for themselves. In this instance, I think we would be well advised to look overseas. Other countries have figured this out, and it’s a truly idiotic person who stubbornly insists on reinventing the wheel.
Republicans argue that socialized medicine means rationed care. Really? If I can’t afford to see a physician because I don’t have insurance or because the deductibles are too high, is that care not being rationed? And when my insurance company denies a prescription or procedure my doctor recommends, is that care not being rationed? And if I have to wait several weeks or months to see a specialist, is that care not being rationed?
Give me a break.
Our health care if the most expensive in the world, and by all measures on average our health care sucks. One of the best measures of a country’s health care is the infant mortality rate, and we’re down there with third world countries.
The big boys at the top have benefited greatly. So have their lobbyists. We all know where their interests lie, and it is not with us, the general public. If I assume elected Republicans, and a few Democrats, are not bought and paid for by the insurance industry, that means either they are complete idiots or they are incredibly mean spirited.
There’s one sure way to find out. We must not allow our Republican legislators (and the few Dems) to continue lining the pockets of their insurance industry/corporate friends. We must hound our elected representatives to provide us with a single payer system. It works (my husband is VA), it’s affordable (my mother’s on Medicare), and we can do this. We must not be bullied. It’s time to bring this idiocy to an end.
And for a bit of self-promotion — If you have medical bills that need paying, I may be able to help you get out from under more quickly than you ever thought possible. In addition, you’ll also pay off your mortgage, your credit card debt, and anything else you have lurking around. Please visit — www.myhomefreeandclear.com.
Categories: Commentary, Politics |
Tags: care, health, idiots, insurance, myhomefreeandclear, Republicans | No Comments
February 19th, 2009
I am so tired of television and radio pundits who talk about how we are “addicted” to oil and borrowing and on and on. Talk about piling on the victims of this economic meltdown.
I breathed a sigh of relief when gas prices slipped back down to about $1.60, but I didn’t change my driving habits. I can’t change my driving habits. My grocery store is about 4 miles from my house. I have to drive to it on a divided highway. Even if I felt like walking along the side of the highway to get there, I’d still have to haul my 10-12 bags of groceries back home. Not to mention other necessary errands. Addicted to oil, my foot. When someone comes up with something to replace it that I can afford, the “addiction” will go away almost instantly.
Recently I’ve been hearing a lot about how we in this country have become “addicted” to credit and living beyond our means. Come on, really? Yes, there are those among us who when they get their first credit card go nuts. They learn very quickly that this isn’t the best path, and they suffer mightily for years with trashed credit. This behavior has been around for many years, and it’s hardly new or news.
What we have now is a population that was deliberately targeted by people who stood to make billions in salaries, bonuses and Lord knows what else. These people are some of the sharpest and most conniving out there, and they cultivated legislators and regulators to promote bills and rules that would specifically benefit themselves. Not happy with the interest you are paying on your credit card or how your credit card company changes the terms of your agreement? Thank these guys. Blindsided by the galloping interest rates that have ballooned your mortgage payments? Thank them again. Crushed by a mortgage that’s more than the value of your home? Yup, it’s them.
I read somewhere that several of the architects who devised the tools that made their way into the credit markets were the same folks who brought us Enron and that huge energy ripoff in California a few years ago. When you stop and think about it, it makes perfect sense. There had to have been a lot of people involved in those scams who learned plenty. Very few went to jail, and the rest would be highly sought after by the unscrupulous who would love to perpetrate the same type of scams on a larger population. How perfect.
And we’re “addicted?” Hardly. We were the rubes at the snake oil show. Let’s call it like it is. Then maybe we’ll get angry enough to go after the snake oil salespeople once and for all.
A moment for a little self-promotion — If you would like to earn extra money helping people escape the ravages of the debt, please visit United First Financial.
Categories: Commentary, Economy |
Tags: addicted, borrowing, economic, financial, first, meltdown, united | 2 Comments
February 1st, 2009
Don’t you just love it. The same people who had no problem with doling out hundreds of billions of dollars to the Lords of Wall Street with no strings attached have an issue with providing help to beekeepers. I guess those guys don’t read National Geographic. Without bees we won’t have crops to harvest, and a mysterious disease has been killing the bees. But I suppose it resonates nicely in a sound bite to call this small bit of assistance in the Economic Stimulus Plan pork.
Conservative ideology is sounding mighty mean-spirited these days. The Economic Stimulus Plan is not perfect, but it’s a far sight better than anything the Bush administration and Henry Paulson came up with. The Conservative message of cut, cut, cut has the feel of Marie Antoinette picking our pockets as she admonishes us to quit whining.
I just heard Mitch McConnell on CNN complain about spending $600 million for government-owned cars and say that’s not appropriate for this bill. What? That’s roughly 30,000 cars that would have to be built by someone. Sounds like job stimulus to me. And since the government doesn’t build cars, it sounds to me like that money will be going to big business. I really don’t understand their problem with it.
Conservatives consistently argue against bigger government. That’s their code for taking our taxpayer dollars and parcelling it out to their pals in the private sector to provide the services that government otherwise would. Which is fine, to a point. Some services are not suited to lumbering bureaucracies. But paying excessive sums to politically connected companies with little or no oversight is not. Halliburton’s Iraq contracts come to mind.
The Conservative argument isn’t about spending money; it’s about whose fingers it sticks to on the way past. For the last eight years there was a huge transfer of wealth to the richest Americans via tax cuts and decreased regulation. That was just peachy with Conservatives. But the Economic Stimulus Plan with its extending benefits to unemployed Americans who buy the goods that generate the profits for big business, not so much.
I don’t understand the logic, and if there isn’t any logic, it might mean it’s just plain old greed. Maybe those Barons of the Conservative movement and our Lords of Wall Street consider us peasants.
Not so long ago in England, a gentleman was someone who owned property. They were the gentry. Today very few of us actually ownproperty. It’s mortgaged, and that’s the biggest reason for our peasanthood. The way to free ourselves from this predicament is to get ourselves out of debt.
I can help. Please visit United First Financial to learn more.
Categories: Commentary, Economy, Government, Politics |
Tags: beekeepers, bees, conservative, economic stimulus, financial, first, ideology, plan, united | No Comments
January 11th, 2009
Some things just seem to require a little common sense, and fixing the mortgage crisis is one of them. I heard a story on National Public Radio a couple of weeks ago. I haven’t heard anything about the concept since, and it really requires more discussion.
According to an article in Wikipedia on the subprime mortgage crisis, “As of August 2008, 9.2% of all mortgages outstanding were either delinquent or in foreclosure.” (The source is the Mortgage Bankers Association website, http://www.mbaa.org/NewsandMedia/PressCenter/64769.htm.) Think about this for a second. Almost 10% of all mortgages are in trouble.
- Would you buy a toy for your child if there was a 10% chance the toy contains lead?
- Would you buy an electrical appliance if there was a 10% chance that faulty wiring will cause a fire?
- Would you buy a car from a manufacturer whose air bags fail 10% of the time?
Yet this is precisely what we’re being asked to do when we buy today’s mortgage “products.” (And that is the term lenders use.)
Current mortgage regulations date from the days when borrowers and lenders negotiated loan terms face to face. Those days are long gone, and yet the laws assume borrowers and lenders are on an equal footing. Not long ago I sat next to clients who were purchasing a home. We were at the closing, and they were seeing their loan documents for the first time. (Lenders now fax the documents to the closing attorney or escrow at the last possible moment.) They had gotten their loan through one of those Internet companies that promise cheap rates, and the terms of the loan were not what they had been told. Not even close. They called the 800 number and argued with the clerk at the other end. In the end they were told that if they didn’t like the loan they could refinance at a future date or they could go somewhere else.
Here’s the problem –
- You can’t get a new loan at the drop of a hat. It would probably take a minimum of 3-5 days under the best of circumstances. The property will need to be re-appraised, and the buyer would have to pay out more money.
- The seller may not be willing or able to extend the contract, and there’s no provision in a typical real estate contract for this type of circumstance.
- The buyer has made commitments. In this case, the buyers’ moving van was parked in the driveway of the new house. The buyer would have to pay storage for their household goods and incur the expense of staying somewhere else temporarily. Depending on how prudently they packed, they might have things they badly need for personal or business reasons buried in a box at the back of the truck.
Negotiating a mortgage loan is a far cry from negotiating face to face, and it can be a far cry from fair and ethical behavior from entities that hold all the power. If we’ve learned nothing from all the various corporate scandals that have come our way lately, it’s that we can’t count on large corporations to be fair and ethical with their customers.
The speaker on NPR had a brilliant solution, and I sure wish I’d gotten her name. Here’s how to fix the mortgage crisis once and for all: Mortgage lenders refer to the loans they make as “products,” and it’s true. They are. As such they should be overseen by the Consumer Product Safety Commission. Forget the Treasury Department and the SEC and all those agencies who haven’t lifted a finger to protect consumers from these mortgage products. Let’s put oversight where it belongs — the Consumer Product Safety Commission. And let’s give them the budget and the inspectors they need to get the job done.
Lastly, here’s my little self-promotion — if you want to take power back from lenders who clearly don’t care about you or your interests, please visit my website: United First Financial. I can help you get out from under. Instead of contributing to what is probably the largest building in your town, I can help you keep your hard-earned money for yourself and your family. Basically, you can stick it to them by cutting down on their income. Perfect.
Categories: Commentary, Economy, Government, Personal Finance, Taxes, Uncategorized |
Tags: commission, consumer product, crisis, financial, first, fix, Mortgage, safety, united | 2 Comments
January 4th, 2009
Competence. Is it so much to ask? And how about a little honesty and ethics. Along with millions of others, I am counting down the days to Mr. Obama’s inauguration. It can’t come soon enough.
I have sat across the breakfast table and talked to people who are about to lose their homes. It’s heartbreaking. The people I spoke with had done nothing wrong. Some were in trouble because of medical bills; others had been undone by mortgage brokers who sold them a bill of goods.
It makes me angry when people talk about how citizens got greedy and somehow expected something for nothing. That’s not what happened at all. Many low-income people do not have the understanding of personal finances that those who make a more comfortable living do. They have aspirations to be more than they are, but many don’t have the first clue about money management. Shoot. My husband and I have had to teach young adults how to use a checkbook, for God’s sake. They sure don’t know enough to second guess that suit-wearing church member who promises to look after them when he puts them into a sub-prime loan. And they certainly don’t grasp the finer points of bundling loans and selling them to overseas investors.
These people, our friends and neighbors and fellow taxpayers just like us, are now not only losing their homes but also their jobs. Their futures are pretty bleak indeed. And where is the Bush administration in its waning days? Certainly not looking out for anyone who makes less than $1 million per year.
Here’s where competence comes in. Henry Paulson I’m sure took more than a few economics courses when he was in school. These courses teach basic things like the fact that when people spend money in their neighborhood grocery store, that money goes to pay the workers in that store, who then go on to pay taxes and spend their money in other stores, and on and on. At each step of the way, a little money goes to the owners of those stores who then use the money to hire more people and invest to make their stores bigger, better and more efficient. The money touches many hands and multiplies all the way up. This is Econ 101, and it’s basic. Money moves up the chain, and a little sticks to everyone’s paws on the way up.
Now we’ve come to pay the price for this idiotic ideology of “trickle down” economics. If money starts at the top, it’s going to stay at the top. Always has; always will. Ask any medieval lord who benefited greatly from his serfs. Those lords had a great deal of wealth to spend of private armies and great estates; the serfs didn’t do so well. The people who strive to become lords aren’t planning to look out for the interests of those they wish to make their serfs.
If ever there was a fraud perpetrated on the American public, “trickle down economics” was it. Where were the people who were supposed to make us aware of this flimflam? Where was Sixty Minutes and the investigative journalism that should have brought this to light? And if this was such a big part of the Republican agenda, why weren’t Democrats speaking loudly in opposition?
Of course, maybe I missed it. I was busy in the eighties when the whole thing began under the Reagan administration. Things felt relatively okay under the Clinton administration. I didn’t really start paying attention until this administration. I’ve been keeping a pretty close eye on things for the past eight years, though, and I don’t remember anyone criticizing Bush’s economic policies until it all started to fall apart a few months ago.
My husband and I have had stocks, and we’ve had investment property. We’ve managed to lose a ton of money on both over the years. It’s enough to make one just a tad cynical. What I have learned is what the fat cats aren’t telling us. Yes, it would be nice for their bonuses and stock options if we all go out and spend money we don’t have, provided we can borrow it. But no, that’s not the wisest thing to do. What I have learned the hard way is that the only security in this world is having a home that’s paid for and being debt free. Then your capital is locked in, and the whims of the markets and the idiocies of the powers that be can’t touch you.
I know of an honest-to-God program that will do this. It’s proven. It’s tested. It’s recommended by experts. Click here to see what it’s about — United First Financial. We can’t always protect ourselves when the idiots who have power over us have little competence, honesty or ethics, but we sure can help ourselves by erecting a cash wall around us. And then, we should complain loudly and often to our elected officials that protections need to be put in place for us.
Categories: Uncategorized |
Tags: competence, economics, ethics, financial, first, honest, trickle down, united | No Comments
December 19th, 2008
Conservative politics makes me sick. I could never have conceived of a philosophy or ideology that is so morally bankrupt as to manipulate and abuse just about everyone it encounters. But that is what Conservatives have become.
Lie about going into Iraq? To quote Vice President Cheney, “So?”
To show some small element of support and empathy for the immediate aftereffects of Hurricane Katrina? I know. I know. Don’t leave your ranch and only do a quick flyby several days later.
To blithely turn over $350 Billion to big banks and Wall Street firms with almost no oversight and with a nifty loophole to allow big bonuses for those who broke their companies? Just peachy.
The fact that all that money is doing absolutely nothing to free up credit and help homeowners in danger of losing their homes? Sound surprised but don’t make any fundamental changes.
How about playing a big role in the downfall of the American auto industry because of the lack of credit caused by the companies above and then laying the blame on the United Auto Workers? Yeah, of course. What’s the problem?
I’m reading an excellent book by Bob Moser entitled Blue Dixie: Awakening the South’s Democratic Majority. It took thirty years for Conservatives to get us to where we are now, and there are some who don’t think they’ve brought us far enough. Until I read this book I didn’t know anything about Dominionists, but there are Republicans out there who actually think we should become a Christian version of Iran.
D. James Kennedy was quoted as saying, “Our job is to reclaim America for Christ, whatever the cost. As the vice regents of God, we are to exercise godly dominion and influence over our neighborhoods, our schools, our government, our literature and arts, our sports arenas, our entertainment media, our news media, our scientific endeavors — in short, over every aspect and institution of human society.” Their goal is to “rewrite schoolbooks and curricula to reflect a history of America as a ‘Christian nation’; pack the courts with judges who follow Old Testament law; post the Ten Commandments in every courthouse; and make it a felony for gay men to have sex and women to have abortions under any circumstances.”
Does any part of this sound familiar? We’ve had fiscal Conservatism with it’s belief that companies and management come first and everyone else be damned. We’ve had social Conservatism with it’s belief that if you don’t follow their most unChristlike dogma, you are damned. Hmmm. Not too much room for most of us, is there?
P.S. Please allow me a little pitch for something that isn’t likely to turn you into Warren Buffett but could definitely put you in a position to provide for your kids’ education or your retirement. We can’t count on government to be there when we need it, and it is imperative that we find ways to protect ourselves. This is such a way. Please click this link to learn more — United First Financial.
Categories: Commentary, Government, Politics |
Tags: bankrupt, conservatism, conservative, Dominionism, financial, first, ideology, Politics, united | No Comments
December 1st, 2008
YAY! It’s been almost a month, and the reality has finally sunk in. YAY! America is a better country today, and I am very proud of our citizenry for seeing through the viciousness of the GOP and coming through to elect just the right man for this time. YAY! Do I sound like I’m please as punch over the outcome? You betcha.
North Carolina was a swing state. I’ve never lived in a swing state before, and we were inundated with negative campaigning from the McCain ticket. I had always thought McCain was an honorable man, but I could not possibly support someone who would say he was opposed to negative campaigning while burying us with negative mailers and robocalls. It was ugly, nasty and mean-spirited. I like to think we’re better than that.
Although I’d never been involved in politics before, I felt deep in my gut that change was imperative. The prospect of Bush’s policies being continued for even one minute past January 20th scared the heck out of me. I honestly can’t think of one branch of government that he and his cronies didn’t break. I can’t think of one branch of government that is working as it should.
I volunteered for the Obama campaign, and I made phone calls. Obama’s campaign was unbelievably professional and disciplined. I never heard anyone say anything bad about McCain or Palin to the people we talked to. Our job was to be positive and to encourage people to vote.
For anyone who is still unsure of the man, I can assure you that he’s okay. He might end up screwing up like so many other politicians, but he’s not Muslim or communist or a terrorist or anything else. How do I know?
He graduated from Punahou School in 1979. I graduated in 1968. The school is a first-rate private school that teaches its students that those who are given great gifts have a great responsibility to give back. This is instilled in children starting in kindergarten, and it is a major component of the school community. Barack was a perfect illustration of this with his work as a community organizer.
Another thing about Punahou is that we were required to attend chapel every week. The school is very diverse with children of all races, nationalities and religions, and they go out of their way not to make it too hard for kids of different religions, but the main undercurrent is Christianity. The school was founded in 1841 by the descendants of missionaries, for heaven’s sake.
The last thing is that my sister used to work for Barack’s grandmother. When you know someone’s grandmother, you get a pretty good sense of that person. My sister told me that Barack’s grandmother was a stern and tough boss, but she was fair. She was highly respected and admired, and she reached a position of considerable authority at a time when women had a great deal of difficulty doing so. Kudos to her on so many levels.
All in all, I trust that our country is in good hands. I’m so very happy that so many of us joined together to do the right thing.
And a shameless plug — If you’d like to do something really good for yourself while being a good citizen in this time of economic crisis, click here to find out how to pay off all of your debt — United First Financial.
Categories: Commentary, Government, Politics |
Tags: Barack, Bush, GOP, Government, North Carolina, Obama, Politics, Punahou | 29 Comments
October 13th, 2008
I received an email from a cousin recently that really got me thinking. He owns a small business, and he believes government should stay out of people’s lives. He wants lower taxes and less regulation. He believes people should stand on their own two feet.
But how about the fact that his kids attended public school? What about the daughter who is currently attending a state funded university? What about the miles and miles of roads he drives to get anywhere? What about fire, police and trash removal? Are these the proper functions of government, or should he be paying for his use of these amenities?
To keep things simple, let’s accept those amenities as a given. The vast majority of Americans are not averse to paying taxes for public education, emergency services and roads.
Suppose his neighbor down the street loses his job. His company goes under, and he’s laid off. As a small business owner my cousin has been paying for unemployment insurance for decades. He doesn’t like paying it and thinks it’s an unfair burden on small business owners. Maybe so. I’ve been a small business owner, and I thought it really unfair that my husband and I would never collect on the unemployment taxes we paid on our own salaries. Still, what would you do for the neighbor who lost his job? Should he be on his own? Should unemployment taxes be paid by the entire taxpayer base instead of employers?
As a result of the stress of losing his job, the neighbor’s marriage falls apart. His wife has few skills, and she has spent the last two years taking care of small children. Because her husband is unemployed, he can’t help with child support. Sure they could stay together until things settle down, but it’s getting pretty nasty in that household. Should the mom rely on charity? Donations can be iffy sometimes, so maybe she should count on family members. But what if those aren’t an option?
Oh, I know we all have the image of welfare moms in our minds, but that situation ended quite a few years ago. There are now education requirements and limits on the time someone can collect welfare. And even if our goal is to keep moms off the dole, what about the kids? Is it a proper government function to keep our youngest citizens healthy and fed?
That was a fictional story of a possible neighbor of my cousin. Let’s tackle a bigger issue. If we are to stand on our own two feet and be self-sufficient, if we are to be empowered to make our own decisions concerning things like health care, what protections do we have against the in-house legal departments of companies that do us ill? Is it the role of government to regulate insurance companies? Is it the role of government to inspect our food and drugs to make sure the things we ingest are safe? Is it the role of government to test imports to keep lead out of toys?
If government doesn’t do it, who will? I don’t have the wherewithal to sue an insurance company for denying me the treatment I might need. I know I don’t have a lab that can test for melamine in my dog’s food, and I don’t have the equipment to test my water, spinach, tomatoes and beef. Do you think maybe this is something that all of us taxpayers can agree is something that we should spend our money on?
There is much to think about here. We taxpayers pay for many things, and it is time we define what it is we expect government to do for us. Personally I think we’re all in this together and we have a responsibility to look out for each other. It’s the moral thing to do.
Categories: Commentary, Economy, Politics, Taxes |
Tags: education, Government, health, insurance, regulation, regulations, Taxes, unemployment, welfare | No Comments
October 8th, 2008
One of the consistent themes of conservatives is smaller government and how we’ll all save lots of money if only government were smaller. Sounds good, doesn’t it?
Last year tens of thousand of pets died because melamine was put in pet food as a substitute for protein. Not long after that hundreds of Americans became sick from what we were originally told was tomatoes from Mexico. It turned out not to be tomatoes and the correct vegetable may not have come from Mexico, but hey, what the heck. Our beef cannot be exported to many countries because of fear of Mad Cow disease. Recently there was a big scandal in China with babies being poisoned by melamine in milk products. Initially we were assured that no tainted products had made their way into this country, but that’s not quite true. Melamine is showing up all over the place. For years now people have been complaining that their generic drugs are not performing as well as the name-brand drugs the generics are meant to substitute for. In some cases the generics are actually making people sick.
Smaller government means fewer inspectors at the Food & Drug Administration. Not to be facetious, but how’s that working for you?
Smaller government is a conservative canard. Yes, they mean cutting federal employees, but when they aren’t out to gut an agency they don’t believe in (like the FDA and it’s regulations on the pharmaceutical industry), they actually mean turning over government services to private industry. What a recipe for corruption. We’ve all seen the no-bid contracts coming out of the Iraq war, but I’m sure there are many more of these things that we don’t know about.
I remember when this discussion got started in the Reagan administration. Government bureaucracy at the time was bloated and unresponsive. Good luck finding friendly help when you called anyone. We were told this would all be fixed and money would be saved by having private business perform many government functions. It all made perfect sense.
And I have a bridge for sale.
The next administration, whoever it is, must cooperate with Congress, and Congress must actually do its job in ferreting out the corruption that has occurred under this administration. Money needs to be returned to the treasury and people need to go to jail. And we all have to think about what it really means when a politician says he or she is promoting smaller government.
Categories: Commentary, Government, Politics |
Tags: Congress, FDA, mad cow, melamine, money, pets, pharmaceutical, regulations | No Comments
October 8th, 2008
We all know people who have known what they wanted to be when they grew up from the time they were in diapers. It’s nauseating, but yes, they are out there. Others of us bumble around and with luck figure it out at some point in college. I am really sorry for the people who learn they detest bodily fluids right after finishing medical school. What a colossal waste of time and money.
And then there are those of us who get it together in our fifties. I finally figured it out. For decades I’ve thought of myself as being a Renaissance Woman, interested in anything and everything and never able to make up my mind what I want to be when I grow up. Like an ADD sufferer, and with no disrespect intended, I tend to ricochet from topic to topic. But unlike people with ADD, I have never had any difficulty focusing and giving things my complete attention. Quite the contrary. I immerse myself in a subject until I have my fill or I am pulled away by circumstances. The trouble has been that the end of the class never coincides with my fill of the subject. I want to know more.
When we moved to North Carolina, I was ready to switch careers. Instead of the real estate I’d been practicing for 20+ years, I wanted to get into database design. I enrolled in classes at Wake Technical Community College, racked up a nice 4.0 average, and ultimately learned that the world of programming and database design isn’t particularly open to women over forty. Sigh. Database design is now my therapy, and I’ve designed and am currently using a very nice little property management program.
After my forties’ adventure with changing careers, I went back to class, became licensed to practice real estate in North Carolina, and went back to what I knew. Besides real estate sales, we manage a few properties for other people, and that is where my nice little property management database program comes into play.
Okay, I’m now in my fifties, and at last I know what I want to be when I grow up. Over the years I’ve learned much about real estate and mortgages and consumer loans and many things that affect people’s finances. After decades of working with tenants and their reasons for being late with the rent, I’ve learned a thing or two about what gets people into financial trouble. I can’t count the number of hours I’ve spent telling people that it’s really a good idea to pay first for the roof over their heads and only much later for clothing, movies and restaurants.
It is because of this that I know what a great product the Money Merge Account system is. With my knowledge of programming and finance, I know that United First Financial has come up with one heck of a concept. The idea itself isn’t complicated, but the mechanics behind it are. I wish I’d thought of it myself.
So now, as I slowly approach middle age (we baby boomers will not be going quietly), I have found something I really want to spend my life doing. What better way to spend my time than to help people to become debt free? What better use of my time than to help people realize their dreams when they are no longer burdened by monthly payments? What better way for me to help people work through their financial problems? All of these things are possible with the Money Merge Account system.
If you’d like to learn more, please click here: United First Financial
Categories: Commentary, Personal Finance |
Tags: Debt, debt free, finance, medical, Money Merge Account, Mortgage, North Carolina, real estate, United First Financial | Comments Off
