Most of us know by now, usually through direct experience, what a Mafia inspired deal the student loan industry is. But I haven’t seen anything lay it out in detail quite like this graphic before.
If you’ve been following the Occupy movement, you’ve seen people get arrested. Interactions with law enforcement can be confusing, and remembering everyone who needs to know is tough. Now, there’s an app for that.
I’m Getting Arrested lets you enter a pre-written text message, designed to be sent to anyone in your world who needs to know. Once the information is entered, a giant bullseye comes up on your screen, ready to be pressed.
To find out more, read this article: http://tinyurl.com/42vyolc
Ready to download it? Here’s the Android Market page: https://market.android.com/details?id=us.quadrant2.arrested
h/t to Rachel Maddow for the info!
I read this article today about banks starting to charge $3/month fees for using your debit cards. It’s not all banks, and not all states (yet). But it is Wells Fargo (where I bank) and it is Washington State (where I live). I wasn’t too sure what to do about it. After all, I started up with WF because they have branches everywhere I have people, including rural Michigan. A lot of folks have been saying that it’s time to move our money to credit unions and local banks, but I didn’t think would work for me.
And then I saw that Salal Credit Union is part of a nationwide network of Credit Union ATMs. Apparently, a lot of them have agreements with each other to honor transactions. Including one in rural Michigan. Where I have people. And where I was a member growing up. So now I’m thinking about it.
One of the organizations working on this back to the credit unions and local banks/divorce the giant corporations movement put up this video on YouTube:
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Do you think it’s time to move our money?
This whole debt ceiling
show off showdown hostage situation has me furious, sad, worried, and a ton of other things. I think about this every single day. It feels like there’s not much any of us can do to stop it. We’re contacting our folks in D.C. in such droves that we crashed their systems. We call in to shows, talk to each other over social media, and make all the preparations we can out here in real world. And still, the Un-American brats in D.C. vow to steal from veterans, disabled people, and the elderly because the suffering of the rich would just be too much to bear. Impeachment for treason should be the order of the day, but somehow it’s not.
What are us real Americans to do? We’re the ones out here trying to build lives for ourselves, our friends and our families, no matter what ridiculous slaps in the face they give us. Our civil liberties have been eroded in the name of national “security”, those of us who are poor have been blamed for everything, and politicians across several states are doing their best to make sure that “undesirable” people cannot vote in the 2012 elections.
And then this afternoon, I saw something. A comment on a New York Times article that has some potential. Let me put it up for you:
“If the US defaults, guaranteeing interest rates go up, I give up. And by that I mean, if my own country is refusing to pay its bills, I’m refusing to pay mine. I’m declaring bankruptcy on August 3rd if they don’t raise the debt ceiling by August 2nd. I’ve been slowly and steadily paying my credit cards bills down, even as my bank has hiked my interest to 29.99% APR. It’s taken me five years to pay off half of my debt, and probably will take me another five years to finish paying it off. Believe me, it’s hard, but I thought it was the right thing to do. By why should I bother if my own government won’t pay its bills?
Also, if they’re going to put social security and medicare on the table, programs I’ve paid into for 20 years, and they’re not going to be there for me when I retire, I’m going to need to start saving for retirement right now. It might destroy my credit rating to declare bankruptcy, but… that won’t matter if I can’t ever afford to buy a house or a car anyway. I am sick and tired of politicians protecting the wealthy while income inequality gets worse, and the middle class struggles harder and harder with fewer and fewer safety nets. Middle class income has been flat for 30 years while the fruits of our labor were enjoyed by the wealthiest. Our protections against banks have been stripped away, and we’re losing unions, access to affordable healthcare, and benefits we paid for to be there for us.
I think we should all immediately contact our congress person and say if the US is defaulting on its bills, so are we. That might be the only way to get some pressure from Wall Street to raise the debt ceiling. If Republicans can threaten to ruin our economy, we can threaten to ruin the bankers’ profits. If that’s a fair negotiating strategy for Republicans, bring it on from the rest of us.”
So the basic idea is to drop our debt if our Congress thinks dropping their’s is such a great idea. I have to admit, as much as I’m for personal responsibility, this would be something I’m in favor of. After all it may only get harder to declare bankruptcy in the next few years anyway. We all saw how the laws allowing us to do that got tightened as things got harder financially.
Perhaps a complete reset is in order. I’m going to turn the comments back on so there can be discussion back and forth. But let’s have real talk about the costs and benefits of it ok? Not just basic superficial soundbites about “the need to be responsible not matter what” or “yeah, man *&%$ the GOP!”.
Tawk Amongst Y’selves, dawlings! 🙂