Introduction

Everywhere today there is talk about how bad things are and how they will get worse. Jobs have slowly been stolen from Americans and sent over seas, banks are failing because of bad loans, paychecks for the average American shrink, good healthcare is becoming something only the rich have, and all the time we hear only talk! America was the greatest county in the world and past generations made it that way, they dreamed big, fought hard and loved being an American. Today most people in this country have no pride in it and many could care less. Many even openly disrespect our flag and everything it stands for while few say a word. We are being openly invaded by waves of illegal aliens who openly do not want to be citizens. They aren’t proud to become an American; they refuse to learn our customs and our language, they even fly our flag upside down across our land. All the time no one does a thing about it.

Today the media and so-called experts love to blame generations past for mistakes we are making today, mistakes we not only caused, but ignored out of shear greed and laziness. America has lost its spirit, its dreams fade, it vision blurs, all the while the wallets of those in charge gets fatter at everyone else’s expense. Our economy is slowing they say, many won’t even admit we are at least in a major recession, but I believe it’s on it way to a complete meltdown.

Many greedy hands have been stirring the pot for to long and its bubbling over, so now the many underneath its massive weight will accept burned as a result. It seems that all the tall minds, all the great leaders, and the American spirit as well will pass along with my forefathers. No one was there to receive the torch our fathers and grandfathers tried to pass on the next generation. Today’s generations not only dropped the torch, they are trying their hardest to stamp out its flame. Everything our forefathers worked their whole lives to acquire is failing apart and today’s generations that sit in power from politics to corporate CEO’s turn a blind eye while embracing greed and laziness.

We as Americans can still lift up that torch, fan its dying flames, and realize that dream that was built with two centuries of hard work. We Americans need to stand up, grow a plot, and hold our politicians and corporate executives accountable for their actions. Why is it everyone wants a president out of office simply because he had an affair but when a president holds office and makes so many mistakes you cringe in horror no one says a word. Everyone in positions of authority today stays silent and feigns ignorance. They do this simply because they know that the law and the average American will not hold them accountable for anything they do. For that matter, why are the few choices we have for a presidential candidate so out of touch with the problems we face they don’t even know how to fix them?

I am proud to be piece of the last great generation that built this land. I am greatly ashamed and extremely excited at what my country has become. I hate the fact that most people in power today don’t have enough pride, dedication, and brains to not only address this country’s problems, but actually have the common sense to fix them. Why is it that the average American cares more about watching sex, unfounded reality shows, and gossip on T.V. than they do the serious growing problems affecting them daily? Today our economy is speedy looking like we may yet face another mammoth depression. The reason we are in this plight is because of greed, so here are some basic steps we can take to help undo and fix this mess.

First understand that our biggest problem is the fact that more and more people today are finding themselves with less and less money to go around. Therefore fewer bills are being paid. When bills are being paid its usually just minimum payments to get by and when disaster hits we go under losing homes, credit ratings, etc. We need to free the average American from the financial strangle hold we are in. We are tired of no hope in sight and presidential candidates have no clue how poor or how far these problems really go.

So today, I am presenting to every American some basic ways we can fix these problems and restore a proud smile on the face of Lady Liberty once again.

Step one – Jobs and profits

Bring back the many jobs we have lost over the last few decades. Force American companies to set up shop in America. Make it far too expensive for American companies to effect products overseas and then ship them back here. Bring back our jobs! Don’t take credit when the private sectors job rates happens to go up a bit. Actually acquire an environment that opens unusual demands for American jobs. Create an atmosphere so the private sector needs more warehouses, needs more plants here in the U.S.A and pays a fair working wage.

Its one thing to set up additional facilities overseas to address that markets needs. It’s another to move most, or all of your resources overseas to retract advantage of cheaper labor while you weaken our own economy to do it. Less good jobs here, means less money to spend. You want to strengthen a global economy like you falsely claim? The best way to do this is by having a strong America. If our economy fails, so will many other nations economies. If our economy gets stronger, so grows our spending. The rest of the world will grow with us regardless of how many of our jobs we send overseas.

No one can develop ends meet by working for minimum wage and they can’t do it for long working two full time jobs either. We need top-notch paying jobs at every level, most of us do not make six figures and every presidential candidate ignores many of us. We can’t pick up jobs and pay bills when there are no good jobs to have.

Force limits on bonuses and perks CEO’s and executives in the private sector can receive and base these on actually improving the overall efficiency of a company and profitability. You can make profits by actually doing a good job; it’s honest that companies are just not required to do so. Every time jobs are lost, healthcare and retirement plans are taken away that money goes to the top executives and CEO’s, and the raze cost is forced upon government. Select away companies and top executives ability to do this and develop the laws powerful stiffer for them when they break to law. Take their pay; take their private homes, cars, 401k, etc.

We are tired of the few ruining the lives of many while they get to keep gigantic fortunes for themselves! Never do they sever costs and put that money back into the business. Always does the average American wake up to no job, no healthcare, and no retirement fair so a few can profit!

Force companies to restore the jobs they wrongly reduce, force them to provide healthcare and retirement again. They say it was too expensive! If that was the case then why then is the 6 million they cut in jobs and benefits go into the pocket of the companies CEO in the obtain of bonuses and salary raises? They were legally allowed to rob from the poor to give to the rich. The result was they ruined our economy singlehandedly. Why hasn’t the money ever gone back into the companies they claim was hurting in the first place?

Meanwhile these same companies smooth struggle and go under simply because the money carve was never needed and never used for what they claimed it was need for. How can you take from the poorest of us claiming your company is in financial pains when the spot the whole time was bad management at the top, not in expenses at the bottom?

We need to force companies to increase the things the average worker needs and cut the top heavy raping of those same companies by their own top executives. It is criminal the procedure they are singlehandedly allowed to ruin the lives of so many without ever having to answer for it. When they are found guilty of such crimes, they should be forced to return all money stolen even if it means taking all their personal property away. They shouldn’t be allowed to do things like put it in the wife’s name to protect it, if money received from the company was mature in the first status.

Step two – Interest rates

We have been raped by interest rates at every turn and they are preventing us from doing anything but paying interest, instead of paying down our bills. Everything from bank and home loans to especially credit cards are consuming most of what we execute. Rates for these can be as high as 99% which one advertises on T.V. The poorer you are, the higher the rates.

We need consumer protection especially for the credit card industry, currently there is none. A credit card company’s can change your rates at any time no matter if you have a good history with no late payments or not. Cash reach loans prey on the poor and some charge almost 100% interest to do it. Credit cards typically charge 29.99% after the promotional period for even good customers.

Stop robbing us blind. Force them to charge distinguished lower realistic rates and make it remarkable harder for them to change rates on us unless they can prove a history of poor payments. Many credit card companies use underhanded tricks to force higher rates on us. They do things like delaying payment processing and other things to falsely justify raising our rates.

Force these interest rates plot down.

Force them to use mailing dates rather than when it was processed or something else.

Force them to set up online payments options if they currently do not offer it.

Force all entities wanting to collect money owed to mail statements on time to the consumer, not just banks and credit card companies.

Force them to justify increasing rates by showing a abominable payment, missed payment history.

Provide the consumer with avenues to dispute allegations and problems.

Step three – Barcode checks

Bring our banks into the electronic age. Currently many methods are already in use, commonplace, and are easy to implement.

Why in the age of digital do we have to wait weeks for a deposited check to clear a bank? Why are we victims to check scams when such information can easily be verified electronically before a transaction is made? Why are banks tranquil process checks by hand when there is no longer a need for it? Processing by hand is slow, mistakes are made, and bills don’t get paid on time.

Banks receive a check and it currently gets hand processed which takes anywhere from several days to several weeks. They often gain everything for the first 30 days for new accounts. This is wrong! Most of us live from paycheck to paycheck and if you occupy our money we can’t eat, pay bills or anything.

Barcode all checks! This can hold such information such as account number, bank, and transaction number for example. This will also only allow for one successful transaction and you have to show proper photo I.D. This process will eliminate check scams because scams rely on duplicate checks and places that do not verify funds and transactions prior to cashing.

This will allow banks to scan a check. This can electronically verify the transaction, who a check was made out to, and show availability of funds immediately. Then cash can be issued or deposited immediately without the waiting period. This way hard working Americans who depend on that next paycheck actually get it when they are paid instead of waiting weeks for it sending them into financial trouble.

This process can be for instance, only used for banks here in America and a longer process for overseas transactions if needed. Additionally, funds in accounts can be electronically verified and immediately drawn against instead of waiting days for a transaction to certain. This avoids customers overdrawing on accounts because they forgot a transaction, missed something, or most other common reasons.

This process is easy and cost effective to implement since hardware such as scanning and bar-coding technologies already exist. You only may need to change how the software works, this is easy for any one to develop and set up.

Step four – Regulate home buying and selling

Force realtors, mortgage companies and the like to put buyers into homes they can afford based on income and bills rather than how much money can we gouged out of them in the short term just for a better commission. You can do just as distinguished by making solid loans to people won’t default in the long run, and you can increase to the amount of sales per customer just by offering a quality service.

Many can’t afford a home simply because of home flipping and greed. We have housing problems across the country. The retort isn’t making more housing projects for the poor and it’s not in offering for government funding; it’s in offering homes at affordable prices.

Force a stop to flipping homes for profit!

Force inflated home prices back down by regulating how much can be made based on the land and homes original value. Then the next seller cannot raise the price unless home improvements are made and the property is maintained.

Currently we have many badly maintained homes on the market; many are so bad they are in knock down condition or close to it. In many cases the poorer of us get stuck with a home we can’t maintain, or fix up. Force sellers to maintain homes and offer lower interest or interest free loan for colossal home improvement projects to private home owners. Many times things like septic tanks, oil tanks, etc are never maintained because the cost is impartial too much for many of us to afford.

In Europe, Germany for instance home owners are required to improve on properties not just to maintain them prior to selling. They routinely enjoy well maintained homes that are remarkable older and far better then the average condition than what we attempt to re-sell here in America. Why can’t we initiate a similar system? Why can’t we all not only have the dream of owning a home, but get a decently maintained one has well?

Force low rates for home buyers and remove or limit anyone intending to flip a home strictly for profit. They might make some money by flipping, but it hurts far too many of home buyers in the long speed. Let’s look at the big describe not just our wallets shall we!

Take our unique economy problems which were caused by too many home foreclosures. This problem was caused by greed alone! Instead of lenders working to keep owners in homes they figured that they could make far more money if they foreclosed and resold the property. Instead their greed crashed our economy and no one is being held accountable. We need to end foreclosures, or at least limit it to maybe extreme cases. We need to regulate the entire industry to reduce foreclosures, gash rates, and we need to force home prices to more affordable levels.

Step five – National Pride

We Americans have lost our will to take pride in ourselves and our county, so here are some simple steps we can pick to help restore it.

Restore the requirement for every person who wants to become an American to be able to speak English. When my forefathers came here they had to learn English and they were proud to become an American.

Make English the national language once again and force English only documents and language in any business, etc. How can you have national pride and a workforce that can work together if we can’t even talk to each other?

Prayer and religion has no spot in our schools, things like the Plead of Allegiance does. If you want religion you can get it in any church or by praying by your bed at night. Things like the Pledge of Allegiance and the National Anthem befriend to own a sense of pride in not only ones self, but our neighbors, and country as well.

Restore our borders and our security, don’t sail them down. No one should be able to cross our borders illegally and live here if they have no intention of contributing to this country in the first location. Border guards should have the authority to not only defend themselves, but take any action to ensure people only wish to cross by legal means. Why is it all other countries whose people arrive here are proud to do so, and have to file to become a citizen but countries south of the border are not held to the same standards? They run drugs, attack police, abuse and burn our flag, pay no taxes, and receive free hand outs while we fly a white flag. End all this.

Many illegal aliens from across the border have been here for quite some time. They have had more than enough time to file for citizenship, yet they have refused to do so. They don’t want to be an American or they would have done so already. They cause much crime, build huge gangs, rush drugs, refuse to speak English, and are a gargantuan drain on our economy. End this and send them all home and close the borders, if aliens want to come here then force them to do so legally. Effect becoming a citizen something one takes great pride in doing, once again.

We have forgotten the golden rules that our forefathers built and lived by. Everyone else had no spot following the rules or in taking pride in becoming an American when they came to this land. So why is it, anyone who speaks Spanish gets to design up their own rules and spit in Lady Liberty’s face while destroying this nations pride and its economy in the process?

In the past people came here to execute a better live for themselves and they took great pride in becoming an American. No longer is this the case because a few in politics and big business thought it would be better to allow cheap labor from across the border so a few CEO’s could make more money. These few single handedly ruined our country and our economy for greed.

Step six – Lower Education System

Our education system fell apart years back and a few dimwits thought that if they dropped important courses and made a standardized test it would improve things. They centered all schools curriculums on grades and passing a test rather than making improvement in how we learn. The result is most kids today do not comprehend what they do in school. Many kids that pick up a diploma can’t even read and write above a fourth grade level, and many can’t even properly write one sentence.

Today writing assignments alone are a joke. The stuff they give an A for today, wouldn’t have even gotten a D when I was in school. The essays I have seen 12^th graders turn in and get an A for looks like something a limited kid wrote. Courses that are important like history obtain no attention at all. Today, we are not required to learn from our past. Our education system is a joke, it’s broken, and it unfairly groups slower learners in with advanced ones just to produce the test scores peer first-rate. So here are some things we can do to fix this absurd mess we made.

Drop the “No Child left behind Act” because it’s leaving all our kids behind.

Restore the old system and then improve on it.

Kids with special needs and slow learners need more attention and a different style of teaching then more advanced ones. Grouping everyone together does no good and makes it harder for slow learners and special needs to learn. Why is it today we shuffle the problem kids around to produce test scores look better, instead of actually focusing our attentions on giving them a better education?

Instead of forcing teachers to get all kids to pass a test, we should be improving on how students are thought. The problem has always been that everyone does not learn at the same speed, or in the same scheme. We needed better and varied teaching methods; we needed teachers who actually taught to their students, we never needed things covered up so we could ignore these problems.

This section is admittedly, short in solutions only because it would take to much time to detail everything that is nasty with today’s education system. However the bottom line is this, instead of improving on our education system we changed it to hide up the mistakes. In doing so we created even more problems then we initially had.

Step seven – Higher Education System

In the past few decades the world changed, mass media was born and the pc changed how we live, learn, and play. Unfortunately, our higher education system didn’t change with it. Today many colleges are still based on how things were 50 or so years ago. The only things that colleges have mainly changed are that they added computers and increased their costs. Today college is lagging far behind the real world and the gap is getting bigger all the time. So how about we actually fix this problem?

Require all college instructors who teach advanced courses to have an education in that vocation. Students can not learn subjects such as; Web Form, Mechanics, or many other fields from someone who once read a book about it. To learn subjects and be competitive in today’s world you need to learn from someone with extensive training and experience in the subject. You can’t learn to build a proper web page, develop a data base, or even fly a plane from someone who has never done it themselves. Provide options for entry-level candidates who are seeking employment options in the fields they studied in and you not only improving what new students are taught, you are providing more job options for those who need them.

Colleges spend much time building dorms, building libraries, improving food, and giving tours to parents but they neglect a few things. They need to do more effort into buying new books for that library, provide adequate materials, relevant materials, and updated materials to properly teach a course. Colleges invest huge amounts of time and money trying to sell parents on dorms, sports, and food when they give tours and receive new students. They do not address the quality of the education a student will get for their money or the qualifications of their instructors. We need to focus our attentions on students getting a quality education that keeps pace with today’s job market so that graduating students can actually find a job.

College once offered an education that prepared you to go out and step into a job in your field of study. Colleges no longer do this! There is a huge gap between what many colleges roar and what employers consider the skills an entry-level candidate needs. Colleges need to teach up to the entry-level skills employers today are looking for.

Funding a college education is system based on robbing you blind while you hope you make enough later on to cover it. Force a stop to high profits and lower quality of education received. Many earn themselves with huge bills that grow interest at outrageous rates. If you don’t find a good job in your field of leer, you find yourself in spacious, ever growing, interest piled, debt.

Colleges do not adequately itemize bills and justify how you are billed. If someone gets grants or something, it is not reflected in the final bill. Classes are over billed, things are double billed etc. We have no idea what anything really costs since many colleges do not provide an educations itemized bill and they are not required to justify what or how we are charged for it. We are currently at there mercy. We are told up front the cost for this degree is say 65k. When all is said and done and we finished, we still wind up paying that amount or more.

For years the cost of an education has gone up while the quality of an education has gone down and colleges have never been forced to explain themselves. They have never been forced to show and justify how a student is billed, or for what. Loan companies get to use complex methods for building interest on loans to acquire money, meanwhile the amount we owe can withhold going up, but our paychecks are going down.

Force loans to take the final amount and just add a small percentage on for interest. We form payments and the bill actually goes down. How can the poor and financially strapped pay off a loan when the interest is allowed to build just as fast as you can make a payment? We get stuck with a monster debt we can’t pay off because ever building interest won’t allow us to get out from under it.

If it’s tacked on as fraction of the loan at a fixed amount up front without additional interest being piled on, then we can actually pay of the loan. This way not only are we helped in paying off our debt, the loan companies still make money without so many going into default. Less defaults, means more paid, end result they still make profitable money without killing the microscopic guy in the process.

Step eight – Healthcare

One of the biggest problems we face today is getting affordable healthcare and its one we shouldn’t be facing at all. The answer as been in front of us for years! However like greed everywhere, we ignored the solution because a few want to privatize everything so they can make a profit.

In the business world, the smaller you are the higher the cost of healthcare is. Workers can find themselves paying anywhere from say $400 to $1000 a month unbiased for coverage for themselves, toss in a family and wow. In larger companies and big unions for example many thousands can pay into the fund. The slay result is they only need to pay say $30 to $100 a month for the same coverage because the larger the group, the more efficiently costs are absorbed and reduced.

A national healthcare system would have the same results. Everyone pays into the pot and this force’s the costs for everyone method down. We need to do away with privatizing healthcare and HMO’s. Privatization means two things; it will cost more and you will get far less for your money because everything is based on profit and greed. Privatization means too many executives and management collecting larger needless paychecks while the rest of us suffer for it.

Why should such an important service be based on profit? Why can’t we all share the costs and be charged based on what a service really should cost. Eliminate profits, CEO bonuses and such, multiple agenda filled smaller companies, and all the perks we pay for needlessly and you would reduce the cost of healthcare by at least 50% right away. Then objective occupy the system.

The only real difference in changing from privatization to a public service should be in billing and what we are paying for. I should be able to get healthcare anywhere, paid for from one source, for the same level of service regardless of were I go. The cost I pay shouldn’t be based on how much a few executives can milk me for, and I shouldn’t be limited to only a few doctors in a plan 20 miles away when there are 100 within 10 minutes of my home.

Healthcare billing etc can be set up with regional centers to process these things and it would do away with the current system of many small companies artificially inflating costs for profit. It’s an old, top heavy system we now use that only benefits a few instead of the many.

Step nine – Retirement funds and SSN

One of the biggest mistakes ever was suggesting people invest their retirement savings into the stock market, investing in something safe maybe. Many have been forced to lose everything they worked their whole lives for. What is more insulting is that SSN for example was created for American workers to pay into to exhaust later on and this has been taken away from them. Now you can collect if you never paid into it and even if you are not even a citizen and this is defective!

Retirement funds should be something every employer has to carry because it is piece of doing business. A workers fund should be transferable not only from one job to another, but even be an option if they chose to keep it on their own. If the cost is too much for smaller companies to handle then make a national plan everyone can contribute into. Grouping such things cuts the costs and makes it more affordable for everyone.

I have seen whole families of able bodied kids all collecting a check from SSN for no profitable reason. A parent dies then the other should be able to acquire and that’s it. If you are truly unable to work because you are disabled or something, fine, but we should eliminate all the people who falsely earn when they can hold a job. I have seen far too many collecting with fake injuries and stuff, while people with real injuries can’t receive a dime in help.

SSN should be used by the elderly that have paid into the system by having a job, or by the truly disabled that are unable to do so. It is for them, to help make ends meet and it is not something the rest of us should be able to wrongfully abuse.

Closing thoughts

Sure there are many problems facing this country today. These are problems that can’t be fixed with false promises, bailouts, or by continuing to send our jobs overseas. We must face our problems and finally get someone into the presidency that is willing to fix America. We need our congress and all other political monsters to cessation fighting each other and actually work together.

More importantly is the fact that no one seems to have a notion or a clue how to fix them. Most in power haven’t a clue what the average Americans problems really are and they don’t listen anymore when we speak either. Most that hold higher political positions get their absorb retirement funds, they get their own private healthcare system, and they get to milk the taxpayer while they to rob us blind. If these same people had to depend on the same programs and systems like the rest of us do, then we would soon see things change for the better.

We need to hold those in positions of power whether it’s corporate or political to a higher standard. They need to be held accountable and the laws loop holes need to be closed. When they ignore problems and thousands lose their ability to work, pay bills, etc. then those in power should be held to answer for it. They should not be able to move funds or hide behind any financial protections when they have cost so many, so much.

Today the norm is for realtors to push the consumer into spending more than they can afford just so they can get a higher commission. Today, the norm is to flip that house. High commissions are wrong when they put people into homes they can’t afford in the long hasten. Flipping a home you didn’t intend to use or live in is rotten because it artificially inflates the values of homes. It makes it harder for many of us to even afford a home, let alone maintain one.