We do not get a lot of snow in the South. When it comes like this week, it is almost a holiday with a party spirit. An Unexpected day off, a day of catching up or just plan goofing off. For all or you who live and deal with snow and ice, I want to say you have my up most admiration. It has to be a challenge.
Living life is a real challenge for each and every one of us.Your start down the highway with only clear sailing in your view. Hidden past the next curve is a large orange blinking sign, Detour, Road Work, Bridge out. The Detour takes you 20 miles out of your way onto an old dirt road that is full of potholes. Been there done that?
Maneuvering the Pot Holes is a skill a motorcycle driver hones fast. Otherwise he is down among them on his side with scrapes, scratches, significant injuries or death. His bike is dented, stove up, busted, or just written off as a lost cause. Do you apply this same honed skill to the rest of your life? Unfortunately, I can’t say yes to that question. I run into potholes in my life all the time and sometimes I think I standing in the thing with two feet just waiting for the dirt to cover me.
It has been that way lately. This past year I ran into a lot of ot holes and not sure whether I am going to survive them yet or not. Business is down. Credit is tight and I truly think the Government ought to take a look at the little guy. Got a letter from one of my buyer’s yesterday on today economy and the credit card crunch. Here is a little of my reply:
Mike,
If you want to know the truth, we all need to get on our soap boxes and get something done for the little guy who is working everyday trying to make ends meet and for his years of work, credit card companies decide the man who has never missed a payment has too much debt, so they pull the card. While they are at it, they notify all the other companies through the credit bureau,who suddenly decide this man is a high risk and raise his interest rates to 37.99%. The US Federal Reserve Bank allows these rates to be as high as the banks want them to be. Oh they put up a few roadblocks for them last May and then gave them 8 months to come up with ways to circumvent the new rules, and the banks did.
We need to get the government to forgive our mortgage debts on houses that are now worth 30 to 40% less than they were when we bought them.They dole it out to GM, banks and foreign companies in the billions. Shouldn’t they address our needs.
I talked to my mortgage company last week. We can do a ”short sale” and they will forgive a hundred thousand. My house is now worth 40% less than when I bought it. The only problem is the hundred thousand now becomes income via a 1099 at the end of the year and we have to pay federal tax on it. My credit will also take a major hit like a foreclosure.
1. I like my house and do not want to sell, but value in this area has gone down 40%. I will not live long enough for it to come back up. Should Jerry die I could not sell it as we had planned nor pay for it. He has been in bad health for several years with his heart and diabetes.
2.Our house has acreage (3 acres). Real Estate lady says none of the generation buying homes want to fool with acreage. They are too busy. We live in a rural area which until last year was the fastest growing place in Alabama. Last year the top realtor in our area told us only 10 houses in our price range sold and all at 40 to 60% less than the appraised value of two years ago. Who is going to buy it?
3. I sure as heck do not have tax money on $100,000.
That is my soap box! Give me a congressman who doesn’t take payoffs from the lobbyist and I will vote for him or her, Give me a man or woman who says American citizens who pays my salary will get the first benefit of my administration with lower debt, lower credit card and loan rates, more money for the elderly, the homeless and a tractor trailer loaded with money for each school in this country, and if this is not accomplished I will return the salary I was paid and I will vote the guy or woman into the oval office as will all my friends and their friends
In the meantime me and all the other little guys will keep on supporting this country with our labors, taxes and children.
Get out there and have fun and put this all behind you. Nothing like the wind in your face ripping through your shirts or pushing along.
Get on your bike while you can still afford the gas and forget your troubles as you look at the USA we work hard to make. Watch out for the potholes.”
Buy something else from me when you can. I need the business. www.agelessparlor.com
Judy
Here’s a new Helmet Maddie might be interested in.
It will look great with her purple rainsuit.
http://www.agelessparlor.com/products.asp?cat=39&pg=3
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