The Jobless "Solution"?

About the Proposed Job Solutions

Other than the manufacturing jobs, which were lost over a decade ago, the model for American jobs was not established on a solid economic foundation to begin with.  There was no reason, nor call for service sector jobs to be a full 40% of the job market.  call centers and consulting, was never a NEEDED niche, to base an economy on.  Neither one generates any real revenue for the country.  It is not something you can package, pass around and keep generating income from, like sugar, pork bellies or a circuit board.

Until such time as someone admits that the model is broken, there never will be recovery.

And, of course the rich and wealthy and upper middle class have no compassion / understanding of the job loss.  Nearly 90% of the jobs lost in America were all entry level and or low paying jobs.  What is really getting everyone’s goat, and has become a huge backlash to all this, the question of illegal immigrants taking low paying and or entry level jobs is now in the sniper scopes of all of the state treasurers.  The issue can no longer be ignored.

With this in mind, several states are now trying to pass / discuss an immigration policy to uphold enforcement of the immigration laws a la Arizona.  So all the people gnashing their teeth and clawing their hair out over that state, need look no further than their own state capital to see the same legislation come to roost.

The problem really cannot be ignored.  And, it is a definite solution to the jobless  problem.  Illegal immigrants take the low paying / entry level jobs; pay no taxes; AND to add injury to insult – send a whopping 80% of the income back home to Mexico, making it the 3rd base of Mexican GDP.  Those figures cannot be ignored any longer in this economic debacle.

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College Grads Moving Back with Parents

Obama Doesn’t Keep Campaign Promises

By the hundreds of thousands, college students are finally graduating. They are graduating and promptly moving back home.  They had voted for Obama and find that there are no jobs.  For those not in the know about how college works, in the junior year, going into the senior year, the soon to be graduate looks for a company they are going to go to upon graduation.  Any good, or even bad, school has a placement department, which assists the soon to be graduate to find a job.  Even moreso, grads go do internship in their junior year to gain real life job experience.  Those internships allows both the student and the company to vet each other.  That way, when they graduate, they can simply slide right into the company.  This process has also not been happening.

Unemployed College Graduates

The truth of the matter is, Obama promised upon his life that he would bring jobs back stateside.  He campaigned that it was the governments inadequacy that was leading us down the path of being inconsequential and the worst nation in the world, not the best.  Obama promised to lift us out of the oppressive policies of the Bush administration.  He promised that under his administration the economy would bloom.  He asked for some time to turn everything around.

However, as soon as he got into office, it was business as usual. He appointed nearly everyone on wallstreet and the federal reserve into all of the key positions.  For the brief few years he’s been in office the dollar has fallen nearly 30% in value, what once took 50 years to do, this man has done in a mere 3 years.  Why is that important?  It means the average worker makes 30% less just in receiving their paycheck, and due to massive inflation, their purchases costs way more.  So not only do you make less, everything costs more and your dollar that 3 years ago could buy you 1/2 gallon of gas, now only buys you 1/3rd of a gallon, if not 1/4th.

So what does that mean to college grads?  It means that employers are no longer going to have opening and tighten their employee ranks.  Massive layoffs, which is still going on, means that employee ranks are shrinking.  We are continuously losing millions of jobs every 2 to 3 months.

2 Million College Grads are Unemployed

Finally, parents and college grads are seeing that the Obama administration is not keeping his campaign promises.  His polls are slipping.  He and news media are doing everything they can to generate some positive PR for the Obama administration, like mysteriously kill a phantom menace like Osama bin Laden, who had a fatal disease 10 years ago.

Obama cannot make it up to college grads who are working at McDonalds.  Obama cannot make it up to the parents who went into debt to put their sons and daughters through college, so that their child can have a better life than them, end up being in debt and not generating anything through that child.  The IDEA of Obama was great, but the execution of his greatness was left in the boardrooms of wallstreet.

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The Jobless Rate September 2010

The Jobless Report September 2010

Below you’ll find the direct information about the jobless rate for September 2010.  This information is taken directly from the Bureau of Labor Statistics.  I hold that this information is nearly misinformation due to the fact that the Department of Labor refuses to count U-6.  The U-6, which is what the government uses to gauge people that have stopped looking for work, climbed to 17.1% from 16.7%. What the U-6 doesn’t measure are the people that actually are looking for work, but just can’t find anything. If somebody needs to make a living, they don’t give up. The government doesn’t take that into consideration though. If they are deemed to have stopped looking for work, they are no longer counted.

The jobless rate increased yet, reported government unemployment rates remained at 9.6%.  More and more jobs were lost, yet the unemployment rate remained unaffected.  As an investor, you should be looking for the correct information, instead of the reported information.


Nonfarm payroll employment edged down (-95,000) in September, and the unem-
ployment rate was unchanged at 9.6 percent, the U.S. Bureau of Labor Sta-
tistics reported today. Government employment declined (-159,000), reflec-
ting both a drop in the number of temporary jobs for Census 2010 and job
losses in local government. Private-sector payroll employment continued
to trend up modestly (+64,000).

Household Survey Data

The number of unemployed persons, at 14.8 million, was essentially un-
changed in September, and the unemployment rate held at 9.6 percent. (See
table A-1.)

Among the major worker groups, the unemployment rate for adult men (9.8
percent), adult women (8.0 percent), teenagers (26.0 percent), whites
(8.7 percent), blacks (16.1 percent), and Hispanics (12.4 percent) showed
little or no change in September. The jobless rate for Asians was 6.4
percent, not seasonally adjusted. (See tables A-1, A-2, and A-3.)

The number of long-term unemployed (those jobless for 27 weeks and over),
at 6.1 million, was little changed over the month but was down by 640,000
since a series high of 6.8 million in May. In September, 41.7 percent
of unemployed persons had been jobless for 27 weeks or more. (See table

In September, both the civilian labor force participation rate, at 64.7
percent, and the employment-population ratio, at 58.5 percent, were un-
changed. (See table A-1.)

The number of persons employed part time for economic reasons (sometimes
referred to as involuntary part-time workers) rose by 612,000 over the
month to 9.5 million. Over the past 2 months, the number of such workers
has increased by 943,000. These individuals were working part time be-
cause their hours had been cut back or because they were unable to find
a full-time job. (See table A-8.)

About 2.5 million persons were marginally attached to the labor force
in September, up from 2.2 million a year earlier. (The data are not sea-
sonally adjusted.) These individuals were not in the labor force, wanted
and were available for work, and had looked for a job sometime in the
prior 12 months. They were not counted as unemployed because they had
not searched for work in the 4 weeks preceding the survey. (See table

Among the marginally attached, there were 1.2 million discouraged work-
ers in September, an increase of 503,000 from a year earlier. (The data
are not seasonally adjusted.) Discouraged workers are persons not cur-
rently looking for work because they believe no jobs are available for
them. The remaining 1.3 million persons marginally attached to the labor
force had not searched for work in the 4 weeks preceding the survey
for reasons such as school attendance or family responsibilities. (See
table A-16.)

Establishment Survey Data

Total nonfarm payroll employment edged down by 95,000 in September.
Government employment fell by 159,000, reflecting both the departure
of 77,000 temporary Census 2010 workers from federal government pay-
rolls and a decline of 76,000 in local government employment. Private-
sector payroll employment continued to trend up (+64,000) over the
month. (See table B-1.)

Health care employment rose by 24,000 in September. The increase was
concentrated in ambulatory health care services (+17,000). Health care
employment has risen by an average of 21,000 per month this year.

Within professional and business services, employment services added
28,000 jobs in September. Temporary help services accounted for most
of the gain.

Within leisure and hospitality, employment in food services and drink-
ing places increased by 34,000 over the month and has risen by 104,000
thus far in 2010.

Mining employment continued to trend up (+6,000) over the month. Mining
has added 77,000 jobs since a recent low in October 2009.

Employment in manufacturing changed little in September and, on net, has
been essentially flat since May. The industry added 134,000 jobs during
the first 5 months of the year.

Employment in wholesale trade, retail trade, transportation and ware-
housing, information, and financial activities showed little change in

Employment in construction edged down (-21,000) over the month, partly
offsetting an employment gain in August. Both the August and September
changes were concentrated among nonresidential specialty trade contrac-
tors. Construction employment has shown little net change since February.

Government employment fell by 159,000 in September. A decline in federal
government employment was due to the loss of 77,000 temporary Census 2010
jobs. As of September, about 6,000 temporary decennial census workers re-
mained on the federal government payroll, down from a peak of 564,000 in
May. Employment in local government decreased by 76,000 in September with
job losses in both education and noneducation.

In September, the average workweek for all employees was unchanged at 34.2
hours. The manufacturing workweek for all employees decreased by 0.1 hour
to 40.1 hours, and factory overtime was unchanged at 3.0 hours. The aver-
age workweek for production and nonsupervisory employees on private non-
farm payrolls was unchanged at 33.5 hours. (See tables B-2 and B-7.)

Average hourly earnings of all employees on private nonfarm payrolls in-
creased by 1 cent to $22.67 in September. Over the past 12 months, aver-
age hourly earnings have increased by 1.7 percent. In September, average
hourly earnings of private-sector production and nonsupervisory employ-
ees increased by 1 cent to $19.10.  (See tables B-3 and B-8.)

The change in total nonfarm payroll employment for July was revised from
-54,000 to -66,000, and the change for August was revised from -54,000 to

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Letter to Senator Reid

Written Letter to Senator Harry Reid, My State Senator

Senator Reid,

I was shocked that the entire debate over the unemployment bill, recently passed, was not in fact an extension of unemployment compensation, but simply an extension of the filing date.

I don’t think you are aware of the real u-3 unemployment data. We are not at 16% nationwide with Nevada having an extra 3% lead over the nation, putting us at nearly 20% unemployment.

I have not been able to gain employment since the end of 2008 when my company laid off 2% of the work force nationwide and have not hired anyone back. I don’t understand how you and the rest of congress can be so out of touch with the employment situation out here.

I don’t understand how you all can approve tens of billions of dollars in relief to Haiti, on top of the regular billions you send them, yet not help to feed your own citizens.

It is a slap in our face.

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I don’t understand how you can require taxes on unemployment compensation, which amounts to 2 whole months worth of unemployment, when it is a paycheck to paycheck situation to begin with. Unemployment is a much lowered percentage of your regular pay rate. People have to feed families, pay rents, put gas in cars with that unemployment check.

How can you make speeches you are for Nevadans when you and your colleagues are making people homeless. I have read countless accounts of people who, after reading that the recent unemployment legislation did not extend the benefits themselves, say they are now “desperate”. I can just imagine the suicide rate will skyrocket after the benefits run out.

The unemployment rate increased. Companies are not hiring. Businesses are not hiring. We are getting nothing from congress but rhetoric and political plays. And, I’m not falling for the scapegoat of Senator Bunning, it was an obvious ploy to use him.

We are dying out here while you and your colleagues refuse to take action. You refuse to force the Federal Reserve to raise interest rates. Our savings is in the negative because of it. Who is going to put money into savings that generates less than 7 tenths of a percentage point? Citizens won’t save and businesses won’t borrow with artificially low interest rates, especially now that it is obvious the interest rates are not indicative of consumer savings.

Yet, you bailout Fannie and Freddie and AIG, while letters and phone calls pour in opposed to it. Yet, millions of Americans will starve due to no extension of the unemployment benefits. We all still vote. I don’t understand how the congress can have such hubris. I don’t understand how you can say you are for Nevadans, 3rd in the nation in unemployment.

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It’s Booming It’s Skyrocketing: The Unemployment Rate

Clash of the Economy: Rise of the Unemployment

Everyone agrees, the recession is over. We can all breath a sigh of relief. Pop open the champagne and kick off your shoes, because 42 states lost jobs last month, up from 29 in July, with the biggest net payroll cuts coming in Texas, Michigan, Georgia and Ohio. Ease into a comfy chair as the Labor Department reported that 27 states saw their unemployment rates increase in August, and 14 states and Washington D.C., reported unemployment rates of 10 percent or above. As you relax in your easy chair the report shows jobs remain scarce even as most analysts believe the economy is pulling out of the worst recession since the 1930s. And, good old Federal Reserve Chairman Ben Bernanke mistakenly said earlier this week that the recovery isn’t likely to be rapid enough to reduce unemployment for some time. As you cheer in the coming year, the jobless rate nationwide is expected to peak above 10 percent next year, from its current 9.7 percent.

We don’t have a care in the world. Every analyst and political pundit has told us the recession is done, over, finished, exeunt, finito, sayonara. So when you read reports that say the United States lost 216,000 jobs in August, the department said earlier this month, down from 276,000 in July, and that employers have eliminated 6.9 million jobs since the recession began in December 2007, you know it’s time to party and go wild.

Who cares: Texas lost 62,200 jobs as its unemployment rate rose to 8 percent in August for the first time in 22 years. The state’s leisure, construction and manufacturing industries were hardest hit, losing 35,500 jobs.

Who cares: Michigan saw 42,900 jobs disappear, including 25,000 in manufacturing, as the state continued to suffer along with its struggling auto industry. Michigan’s unemployment rate rose to 15.2 percent, the highest in the nation. When its jobless rate topped 15 percent in June it was the first time any state surpassed that mark since 1984. Most economists project Michigan’s jobless rate will continue to rise. The University of Michigan estimates it will average 15.8 percent in 2010.

Who cares: Nevada has the second-highest rate at 13.2 percent, followed by Rhode Island at 12.8 percent and California and Oregon at 12.2 percent each. The jobless rates in California, Nevada and Rhode Island were the highest on records dating to 1976. California and Nevada have been slammed by the housing bust, while Rhode Island has lost thousands of manufacturing and government jobs in the past year.

Who cares: Georgia and Ohio reported the third and fourth-highest job losses, respectively, but their unemployment rates both fell as many of the unemployed dropped out of the work force. Once unemployed people stop looking for work — some, for example, may return to school — they are no longer included in the jobless rate. The four states with the largest drops in their unemployment rates — Indiana, Colorado, Kansas and Virginia — experienced similar trends: thousands of jobless workers gave up on their searches and left the work force. None of those states actually added any jobs, according to a survey of employers.

We all know it’s just a matter of time and bad reporting that says people are out of work and that that jobless rate is climbing and people are falling out of being counted. I don’t know about you, but it’s just a sign that we need to celebrate more when we hear people saying that you can’t have a jobless recovery. Of course you can have a jobless recover. So what if people are being foreclosed on in record numbers? So what if credit card companies are raising their rates on good paying customers? So what if no mortgages are being renegotiated? So what if companies that received TARP funds are eliminating jobs and customer accounts? They are reporting record profits, and that we all know, is a good thing.

We know that people are blowing this whole jobless thing out of proportion. They are just trying to rain on wall street’s parade. Because, we all know, wall street is the chief and only indicator of the American economy. We all know that Ben Bernanke would never give out under the table loans and not tell congress, which supposedly oversees him. And, why should he tell congress anyway. If he did that, he’d have to bend to political pressure to divulge which firms are in deep doo doo. Pardon my French.

No, they said the recession is over. They said this is definitely not a depression. Under no circumstances is this a depression. I mean, you can’t get out of a recession, only to fall into a depression right? Pay no attention to the rise of gold. That’s just those nut-case conspiracy theory wackos that think the dollar is going to plunge. I mean really. Haven’t you seen MSNBC and CNBC saying the recession is over? Haven’t you heard good old Ben Bernanke say it’s over?

Honestly, people need to wake up and smell the coffee. This recession is over and anything else anyone has to say about it plunging into a depression couldn’t be further from the truth. So what if people lost their jobs. This is survival of the fitest. We live in a free market economy, where the middle and lower class can win or fail on their own. We are not going to bailout the middle and lower class. That would just be … socialism or communism. And, we wouldn’t want that would we?

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Are Home Sales Really Up? NO

What’s Behind the Home Sales Numbers

Behind every number there is data that is both included and excluded. The media would have you believe that home sales are up. They quote you three different data sources. However, what are those data source and what’s behind those numbers.

National Association of Realtors

Would you say the National Association of Realtors would have vested interest in you purchasing a home? You’re damn skippy they do.

First of all what they are not telling you that a part of that number is short selling. Short selling is a replacement for foreclosure. Even by going to their website you cannot find the amount of “sales” that is comprised of short selling.

A short sale is a transaction in which the lender, or lenders, agree to accept less than the mortgage amount owed by the current homeowner. In some cases, the difference is forgiven by the lender, and in others the homeowner must make arrangements with the lender to settle the remainder of the debt.

Due to the recent economic crisis, including rising unemployment, and drops in home prices in communities across the nation, the number of short sales is increasing. Since a short sale generally costs the lender less than a foreclosure, it can be a viable way for a lender to minimize its losses.

A short sale can also be the best option for a homeowners who are “upside down” on mortgages because a short sale may not hurt their credit history as much as a foreclosure. As a result, homeowners may qualify for another mortgage sooner once they get back on their feet financially.

Also not included in that number are condo sales, or more accurately the lack of condo sales. They do not include condo sales because there is a huge inventory of condos that remain empty in both Florida and California.

As if that was not enough bad news, home builders are continuing to add to the inventory. Thus driving the prices down of the current market. I have no idea why they would continue construction. There is no demand for them.

The Institute for Supply Management’s Manufacturing Index

Do you know the last time ISM was trending up: April 1, 2008.

The media would have you believe that this index includes home builders. Do you know the last time ISM was trending up: April 1, 2008.

Taken straight from the ISM website:

“Eleven of the 18 manufacturing industries reported growth in August. These industries — listed in order — are: Textile Mills; Apparel, Leather & Allied Products; Paper Products; Miscellaneous Manufacturing; Printing & Related Support Activities; Computer & Electronic Products; Transportation Equipment; Nonmetallic Mineral Products; Electrical Equipment, Appliances & Components; Fabricated Metal Products; and Chemical Products. The six industries reporting contraction in August — listed in order — are: Primary Metals; Plastics & Rubber Products; Furniture & Related Products; Wood Products; Food, Beverage & Tobacco Products; and Machinery.”

  • “Production is picking up as demand [for] orders is being accelerated.” (Nonmetallic Mineral Products)
  • “Demand from automotive manufacturers increasing thanks to ‘Cash for Clunkers.'” (Fabricated Metal Products)
  • “In addition to improved business come the complications of a supply chain drained of inventory.” (Paper Products)
  • “The sudden increase in customer demand, plus the low inventories held at services centers, is causing a shortage in the supply of raw steel.” (Transportation Equipment)
  • “[It] appears customers’ inventories are getting low, and they are cautiously placing orders.” (Apparel, Leather & Allied Products)

So we can readily see that the government had a great deal to do with this index increase. With inventories hitting record lows, since there was virtually no demand in most sectors and exports were nearly nonexistent, due to global economic meltdowns of course the number is going to pick up. This is not an indication of the economy growing, as it is people stocking up their inventories to prepare for more meltdown.

Realize that the jobless rate is still increasing, not decreasing. And, it is going to get worse. There will be record commercial foreclosures that is not being reported, to the tune of $1 trillion. That means the jobless rate will climb to record depression levels.

Taken directly from their website:

Employment 46.4(series index August) 45.6(series index July) +0.8(percentage change) Contracting(direction) Slower(rate of change) 13(trend in months)

They then are showing that for the month of August unemployment rose and it is trending down [getting worse]. You can’t have the economy getting better and unemployment rising.

Taken from their website:

Customers’ Inventories 39.0(series index August) 42.5(series index July) -3.5(percentage change) Too Low(direction) Faster(rate of change) 5(trend in months)

So as you can see inventories are trending down, not up. What’s to be believed now? Can the national media really report the ISM is showing the economy growing? Or did they exclude information to reach their conclusion. The ISM conclusion is that growth is happening, but coming from contraction. That’s hardly a glowing conclusion and the exact opposite of what the national media would have you believe.

What’s not in the report is the fact that more banks are set to fail this quarter and well into 2010. With those closures, the economy will be contracting even more.

The stock market rallied with the alleged news of growth at first, but quickly took a downward plunge due to all the factors of the economy: jobless rate growing; bank failures imminent.

I have said this before, the stock market is not an indicator of the economy at large. In fact, report after report shows that the stock prices are being manipulated so even investors can’t be sure of what is going on.

Finally, as pointed out above, none of this data can be taken seriously with all of the bailouts and stimulus packages. As we speak the Federal Reserve is moving to withdraw all of the bailout money and the TARP money is also being reimbursed. So party hats and confetti is way too premature.

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10 Things You Need to Ask Before You Marry Her

Before You Get Married to Her Money

Here’s a quick quiz you need to ask your “soul mate” before you even pop the question. The reason for this, is that so many young people ruin their credit, right at 18 and then take 30 years to get it right. With that in mind then, could you be walking into a financial mind field? Oh you bet. You are damn skippy.

It would be wise, it would behoove you, to quiz the person about their money, before you go that “next step”. It could be a massive fall financially, if you tie the knot, and her creditors come after you. Or, you were planning on buying a house right after marriage, and BLAMMO!! her credit is so bad you can’t get a decent rate, or worse, a loan.

I knew a girl who was so far in dept and her attitude was just so … childish that it boggled my mind. She had a car; wrecked it; still owed on it; let it default; then went back to the same company and they tacked on both car notes to her car. So in essence she was paying for two cars while driving one, she was upside down in the car. And, she didn’t even care. She thought it was funny. She was already married at the time. I can’t imagine what her husband thought. I didn’t know him, nor never met him.

By that example, and some women just use “I’m only a woman” as an excuse to not deal with financial matters. I can’t count the times I’ve heard, “oh my husband takes care of all of that.” And, when he dies? She has no clue what to do.

The Preengagement Quiz

10. You receive a credit card in the mail. It says “free” and “you were preapproved.” What do you do with it? The correct answer is – send it back.

9. You see an ad on t.v., at night, selling something you were actually going to go shop for the very next day, and it’s $10.00 cheaper, even after shipping and handling. However, the company gives a P.O. BOX address. Do you order the product off the T.V. The correct answer is – go buy the one at the store.

8. Your cousin / nephew / niece asks you to co-sign on a car. You haven’t seen them in a few years and you have no idea if they have a job. Do you co-sign the loan? The correct answer is – no.

7. Do you have a savings account?

6. Do you have a C.D.? [certificate of deposit]

5. How many cars have you had, and have you ever paid off one, and is the current one paid off or payments up to date? You should never, ever pay for another human’s car expenses. If they can’t pay for it themselves, that’s a warning sign to leave.

4. Her living situation might be temporary so it’s not adequate to ask about that. However, the ideal woman may be purchasing a house. If she is renting however: How much is your rent? How much do you make? Is your rent current? You should never, ever pay for another human’s living expenses. If they can’t pay for it themselves, that’s a warning sign to leave.

3. You live one block away from a ritzy yuppie grocery store and one block away from a dollar grocery store. Of course the food at the dollar grocery store is rather bland, yet healthy. You need a better car to get ahead at your job, since your boss sometimes asks you to drive him / her to staff meetings. Do you scrimp and save and buy from the dollar store? The correct answer is – yes.

2. The latest magazines have crowned bubble bottom jeans as the must have jeans of the year, however, they cost $250. You know some shoes that would match but they cost $213. Your friend is having a party next weekend, and they are always getting on you about the clothes you wear. So far you have $800 [ask her] saved up in your bank account. Do you go buy the jeans and shoes and surprise your friends? The correct answer is – no.

1. If you lost your job today, and had no family, and couldn’t get welfare, and couldn’t get unemployment, could you go an entire year without finding work, from just your saving account? The correct answer is – yes.

If the girl that has caught your eye, answers any of these questions incorrectly, my advice is to move on. I’m sure love is a great thing and all, but being financially miserable is setting yourself up for a divorce. Those are just cold hard facts. More people get divorced over money than any other subject.

Since you’re an adult, think like an adult. If you are going to dedicate yourself to a woman, it’s not just physical. When you get married you are agreeing to: dedicate your body; dedicate your mind; dedicate your soul; dedicate your time; and dedicate your pocket book. If you are going to mix your pocket book, you have to know what you’re getting into. If the person is just starting out financially, then you have to know how they think about money.

If you have $10,000 in savings it makes no sense to marry a woman that has none. You’re not equal and the marriage would be awkward. Keep in mind $10,000 isn’t a whole lot of money. But such a small amount is the difference between someone who makes a salary and someone who works hourly. Such a small difference is the difference between someone who doesn’t have leisure time, nor leisure money and isn’t used to neither one.

I’ve had friends and I mean a lot of them, whom if I said let’s go see Batman and stop for a burger on the way would say “I don’t have money”. They didn’t mean they were saving their money and didn’t want to waste it on lunch and a movie. They meant literally they didn’t have that much money to spend. Ultimately I had to get a new group of friends. I couldn’t be “friends” with people I couldn’t hang out with on my level.

Just as you see “lifestyles of the rich and famous” those people wouldn’t hang out with me. Nor, could i hop on a jet and meet them in Paris. These are just financial facts.

Don’t let your mouth write a check your behind can’t cash. Don’t get all head over heels in love with some girl AND THEN after the fact find out she’s not only broke, but so deep in debt, it affects your credit.

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