America Held Hostage

Nearly a week has gone by since budget talks have been staled and now the nations debt limit is on the horizon.With less than 10 days left, to raise the nations debt limit, Republicans are not only ignoring the American people, but also the nations business leaders.They are ignoring the glaring facts that pushing the nation to the brink of recession, not only hurts the American people, but also our creditability around the world. Now nations from around the world look at America as a laughing stock.Comedians and even our enemies laugh or make jokes at our inability to solve our own problems.What most Republicans, Democrats or political leaders don't realize is that the joke is on us the American people.While they fight to protect their own political agendas, the American public is held hostage because of it. Many government or non government workers depend on aid and income to make a living or to survive.While our leaders in Washington ,argue over their political agendas, allot of bills aren't being pain, some people won't eat, while others will get behind on their mortgages and then those who can't defend or fend for themselves will be without medical assistance. This is not what the American people voted for, in fact we voted for someone to lead. Most Americans don't care who wins or looses and almost all Americans didn't want the government to be shutdown because of Obama Care. America is being held hostage, while our leaders in Washington argue until one wins or looses.What our leaders don't realize is while they fight in Washington, the only one who really looses is the American people that voted for them.
W.A.N.

How To Purchase Your Next Automobile

In a persons life there are two types of major purchases, buying a home and leasing or financing an automobile. With banks or finance company's offering rates as low as 1.9 percent on auto loans, one question remains how does one fit in the market place or how should one purchase an automobile? Before I explain how to purchase, then acquire financing an automobile there are two main items every consumer should be aware of and that's their budget or credit rating.

(1) Anyone that is interested in purchasing an auto should know their credit score, before they try to obtain any type of auto financing . The reason for this because a persons credit score or rating should be at a certain number in order to obtain financing. Scores ranging from 660-840 are considered above average scores and these types of credit ratings often get the best rates. Scores below these numbers sometimes command higher rates ranging from 8.5 percent and as even high as 27 percent, depending on that individual credit rating. Knowing your credit score or rating before a loan officer or a finance manager at car dealership, pulls it can help one avoid making costly mistakes. It can also save the consumer time, money and can keep them from being aggravated or frustrated during the buying process.

(2)Know what one can afford or their budget. Knowing this very important information can help a person from getting in debt or above their heads. Everyone should have a budget, know their limits and what they are willing to pay per month, including automobile insurance. Most major car dealerships will do everything in their power to maximize or make money on every customer. They will not only try to make a profit, but also try to make rate, then up sell them on items such as Credit Life, Disability, Gap Insurance and Automobile Protection plans.These items have a long rang of prices and can add as much as 40 dollars per payment.

How to purchase your next Automobile? By being smart, doing a little research, know your own credit score and also by knowing what you can afford. Always remember that everything can be negotiated , from the price of the automobile, interest rates from the banks and even the price on added items such as Automobile protection plans. The smartest thing anyone can do if they happen to have a good credit score, is to acquire a auto loan before they enter a car dealership. That way they will be in control of the buying process. For those with bad or limited credit you too can negotiate your interest rate to a limit. Because sometimes car dealerships are at the mercy of the banks or leading institutions and have no choice but to charge a higher rate. People with credit problems or issues should be prepared to prove their income and their residence. Most banks require an average income of $1800 a month to qualify for a loan. Its always smart to know your own situation before you decide to purchase a automobile. Always keep in mind that most sales people only make money when they make a sale, so please don't waste their time if you aren't really interested or serious about purchasing a automobile. Knowledge is power, the more someone knows about their own situation the easier it will be when one purchases their next automobile.

W.A.N.

How Could They Know?

Today I was watching a news conference and a Republican from Louisiana, said these words that really bothered me, this is what the American public wants he said. My question to him or any other elected official is how could you know, how a average American citizen feels? After all most elected officials are rich and none of them know how it feels to work from one pay check to the next. They don't have to worry about feeding their children or about paying their bills. None of them know anything about real budgets, because most of them are out spending our tax dollars to eat at fancy restaurants, to take trips around the world and also to fill their pockets! They don't care that over 90 percent of the nation hate it when our elected officials fail to agree on something as simple as a budget bill. They also don't know or even care that these types of politics divide a great nation, but at the same time it unites us with one common thought.We all hate childish lawmakers or politicians who can't agree on anything! As government workers or those who depend on the government for income, living wages or food wait for our politicians to make a deal, those that are in Congress or the Senate are still getting paid. This is my thoughts and opinion to those Republicans or Democrat elected leaders, if you think you know how the average American citizen feels, then you really don't have a clue! If you really want to understand how the rest of America feels, try living in their shoes for a month or so.When I hear an elected official claim that he or she knows what most Americans want, need or feel.One thought comes to mind," how could they know? Most of them are out of touch with reality or on some magical realm that most of us clearly don't understand.

W.A.N.