Greetings good citizen, for a society that claims to value freedom so much there sure isn't a lot of 'free' to be found. In fact everywhere you turn commerce is looking to slip a noose around your neck so it can bleed you dry! Another disturbing development is how a bad credit rating can keep you from landing a job. [Now how will you pay what you owe?]
Nobody needs an education on what 'hard markers' the lending institutions are, do they?
Pay early and in full or you're crap and they don't want to hear your excuses [like the insurance companies. Pay for years and never file a claim and you become a 'preferred customer' but file just one claim and your rates go through the roof because you've suddenly become a 'risk'.]
There are so many ways to get 'in trouble' with money that it's difficult to generalize. No matter what direction you turn, money is there causing problems.
Yet another 'legend' [read myth] in the capitalist playbook is the fable of 'delayed gratification'. The theory is if you save long enough you will never have to go into debt...for anything.
This 'myth' [because nobody actually did this, the people preaching this fantasy were born with more money than they could spend!] But that didn't stop them from using this same lie to justify taking YOU to the cleaners!
Again, the top story in today's NY Times is about 'proposed' (long overdue) legislative relief from predatory 'payday' lenders.
As the cancer of 'job insecurity' spread [thanks to Reagan and 'free trade agreements' that turned the USA into the global dumping grounds for every product imaginable] lending industry started demanding higher interest rates on consumer credit to 'compensate' for the increased risk of lending to an unstable consumer market.
Um, sort of puts it in a nutshell. Understand, this whole situation was created by REPUBLICANS. Nixon opened the door to China, then Reagan turned North and Central America into one big borderless zone then they ALL started subsidizing US companies to establish operations in any one of these low wage/environmentally unconscious/cash starved nations.
Reagan, Bush the greater, his boy Bobo and Clinton the DINO all exported jobs wholesale while preaching the false hope of the 'service economy'. No irony should be lost on the fact that the global race to the bottom reached its conclusion while Bobo was in office so Republican claims that the current mess is Obama's fault has no foundation in reality...but this doesn't make Obama any less a 'disappointment' for his failure to prosecute the criminals that preceeded him.
So it is good citizen, you get paid an extra dollar or two and the economy swallows another ten out of your paycheck. Where does the balance come from? You BORROW it!
Saving money is next to impossible so you use your credit card [for the miles] you tell yourself but the reality is darker. You can't swing it without running up your card for mundane expenses then borrowing from the equity in your house to pay down the card and the cycle starts all over again!
Sort of redefines the term 'born to lose' but there you are, good citizen.
Under A Simple Plan debt is illegal (because your money is for you) The act of putting another human in your 'debt' is an exile offense! It's a violation of the human anti-exploitation law.
No human can use any other as an 'income stream'.
Now many of you are thunderstruck! How can a society even exist without debt much less without the employer/employee relationship?
Just because it doesn't make sense to you doesn't mean you haven't been getting screwed for a mighty long time! The people running our civilization are first and foremost SLAVERS.
Just something else to think about as you sweat your bank balance and wonder whether or not you're going to have a job after tomorrow.
Thanks for letting me inside your head,
Gegner
Nobody needs an education on what 'hard markers' the lending institutions are, do they?
Pay early and in full or you're crap and they don't want to hear your excuses [like the insurance companies. Pay for years and never file a claim and you become a 'preferred customer' but file just one claim and your rates go through the roof because you've suddenly become a 'risk'.]
There are so many ways to get 'in trouble' with money that it's difficult to generalize. No matter what direction you turn, money is there causing problems.
Yet another 'legend' [read myth] in the capitalist playbook is the fable of 'delayed gratification'. The theory is if you save long enough you will never have to go into debt...for anything.
This 'myth' [because nobody actually did this, the people preaching this fantasy were born with more money than they could spend!] But that didn't stop them from using this same lie to justify taking YOU to the cleaners!
Again, the top story in today's NY Times is about 'proposed' (long overdue) legislative relief from predatory 'payday' lenders.
As the cancer of 'job insecurity' spread [thanks to Reagan and 'free trade agreements' that turned the USA into the global dumping grounds for every product imaginable] lending industry started demanding higher interest rates on consumer credit to 'compensate' for the increased risk of lending to an unstable consumer market.
Um, sort of puts it in a nutshell. Understand, this whole situation was created by REPUBLICANS. Nixon opened the door to China, then Reagan turned North and Central America into one big borderless zone then they ALL started subsidizing US companies to establish operations in any one of these low wage/environmentally unconscious/cash starved nations.
Reagan, Bush the greater, his boy Bobo and Clinton the DINO all exported jobs wholesale while preaching the false hope of the 'service economy'. No irony should be lost on the fact that the global race to the bottom reached its conclusion while Bobo was in office so Republican claims that the current mess is Obama's fault has no foundation in reality...but this doesn't make Obama any less a 'disappointment' for his failure to prosecute the criminals that preceeded him.
So it is good citizen, you get paid an extra dollar or two and the economy swallows another ten out of your paycheck. Where does the balance come from? You BORROW it!
Saving money is next to impossible so you use your credit card [for the miles] you tell yourself but the reality is darker. You can't swing it without running up your card for mundane expenses then borrowing from the equity in your house to pay down the card and the cycle starts all over again!
Sort of redefines the term 'born to lose' but there you are, good citizen.
Under A Simple Plan debt is illegal (because your money is for you) The act of putting another human in your 'debt' is an exile offense! It's a violation of the human anti-exploitation law.
No human can use any other as an 'income stream'.
Now many of you are thunderstruck! How can a society even exist without debt much less without the employer/employee relationship?
Just because it doesn't make sense to you doesn't mean you haven't been getting screwed for a mighty long time! The people running our civilization are first and foremost SLAVERS.
Just something else to think about as you sweat your bank balance and wonder whether or not you're going to have a job after tomorrow.
Thanks for letting me inside your head,
Gegner
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