Calling Card Online

http://xfinity.comcast.net/articles/finance/20110609/US.Home.Equity/

Falling real estate prices are eating away at home equity. The percentage of their homes that Americans own is near its lowest point since World War II, the Federal Reserve said Thursday. The average homeowner now has 38 percent equity, down from 61 percent a decade ago.

Yet they keep saying we are on the rebound,someone is fibbing.

Hi Neighbors,

I am writing to ask how many of you have been watching the reports  in the last several months of dead fish washing up on our shores,  and also about the fracking that is being performed to get to reserves of natural gas (the kind for stoves).

I believe there is reason to be greatly concerned. I had a neighbor once who put her cigarette out in my fish tank, thinking it wouldn’t do anything since I didn’t have an ashtray. All the fish died, so I cleaned everything with hot water and salt, aged new water and restocked the tank. I learned the hard way that I was not going to get the coal tar out of the Plexiglas of the tank. I cleaned three times and lost three batches of fish before I figured it out. I understand by correlation that the oil spills in our oceans have been “cleaned up” but that does not include the stuff that has settled into the sediment, or ocean floor. I believe it is possible that that residue could be killing plant life and animals in the ocean, because since the residue does not reside naturally at the surface of sand under the water, it is probably poisonous, and sticky enough to deprive plants which animals feed on of their necessary light and whatever oxygen may be in the water. By extension, anything that we may need from the ocean may also be poisonous to us, either because we consume fish, or use other types of ocean products, kelp and the like. Also some of the fish washing up on our shores are discovered to have been eating our garbage, as though they could find nothing to eat. The pictures are awful, but enlightening. Why would they suddenly be showing up stuffed with our garbage, unless their food supply is no longer there? ARE the plants and crustaceans and smaller fish dying?

There are also the problems that fracking causes to too many of our fresh water sources around the country. I have seen more than one special on television in which neighborhoods water supplies are already damaged by the companies doing the fracking process. What they do is force water and chemicals into the ground to push up and capture the natural gas. What happens is that the chemicals escape into the ground water in the surrounding areas, poisoning public water supply. The safety measures promoted, are simply put, NOT SUFFICIENT.  The companies offer bottled water to the residents, but the damage is done, and their homes have lost their value. On top of that the films show running water at the kitchen tap , and also a rig over a water well with water coming up, at which a blow torch or lighter is put in the air near the running water, causing fire and explosion.  People also suffer the possibility of health problems before finding out about the insidious problem. The companies involved don’t seem terribly forthcoming about either. We have also had too many reports of explosions and fires and deaths caused by exploding antiquated natural gas lines across the country. We have too many more than the involved utilities can keep up with, causing terrible damage in the present and unknown damage in the future with no remedy in sight, and I believe the last report said that the gas lines are plentiful enough to go around the world 6 times.

Now, with all these problems to our survival in the midst, the government is proposing taking out the Environmental Protection Agency. You know, the folks who are there to take care of this sort of thing, along with the many other disasters they clean up. If our ocean waters end up being too poisonous to desalinate, and the senate keeps pushing the various kinds of fracking, and drilling in the ocean for poison, what are we supposed to do?

I have seen a wonderful possibility in a project successfully done in Reno. The city got new but never used turbines off of a mothballed ship, and combined them with geothermal spots in the city to create electricity, by using the hot water already coming out of the ground to run through the turbines to create power. The water then leaves cold, and unpolluted. That’s a win, win, right? This one installation creates enough electricity for the entire city. The report said that there are geo thermal spots such as Reno used “all over” the US.  I have written to my senator about it, but I think there needs to be more awareness, that there ARE things affordable to be done, and very quickly. Reno has virtually free power, and I believe they said within a year of the inception of the project.. With that and electric vehicles for ourselves and for transporting our food and products we’d be sitting pretty!

 If you are concerned about this, please write to your senators and tell them. They need to know what we are thinking and what we want. I believe this is a great portion of the deadlock they are dealing with. If you have any other low cost, ecologically safe ideas, PLEASE forward them to your Senators?

       Nothing will improve without job growth, to get job growth we need to raise our GDP, stop out-sourcing, and bring back made in the USA, Wall Street is in a bubble, and politicians need to stop using Wall Street and Banks as indicators of the economy. It’s just not real. Look, the banks are all better Wall Street is rising, yet people still have not regained the homes, jobs, or money they lost in the last 5-7 years. 

      Politicians keep saying, “We need to cut spending.” How about you stop bailing out every jerk off who bankrupts a Nationally Traded Company, then allow himself to give him a self a fat bonus for doing so. I keep screaming, where are the **bleep** lawyers. The young guns, who want to make a name and a reputation for themselves. Indict a couple of these Wall Street **bleep** clowns, on Fraud, racketeering, laundering, mis-leading the public, or any other statute you can find. File a couple class actions against those who negligently and erroneously gave loans to those whom they knew were ill-equipped to pay them back.

    Lobby your Congress person. Change the bankruptcy laws to pre-bush era rules. Let the Market experience true risk. I know we are hated world wide, but do we need to spend that much on “Defense.” Better safe then sorry, but talk about Mac Aurthors Military Industrial Complex. What is it… We spend like 80% on defense. How about taking 15% of that to R and D, to create the new thing that will get us off oil. Hell, put it under Defense, as they are most definitely related.

When will people make sense in Washington?

Lost $$ in investments, figured oh well…win some lose some.

Lost over $100,000.00 in home value over 2 years time, figured w.t.h. I plan on living here for the rest of my life, no skin lost.

Lost both jobs in less than a year, figured we were both highly skilled with impeccable resumes.  It’ll be okay.

Trimmed all the fat and hunkered down once we realized there has to BE a job to get  job, but we had savings and figured we’d be okay if at least one of us got a job within a year.

Fast forward to now…17 months later.

Eggs were on SALE for 10.85 a case…(5 dozen)

Honeydew melons on sale for 4.99 each.  They were as big as my grandsons tiny little baby head.  :-

We spent 78.00 on 2 plastic bags of groceries.  Stuff for green bean casserole, 5# of asstd. fruit for ambrosia salad, 4# of sausage, 2 bags of cheapy cereal, a 2 cup bag of chopped nuts and a loaf of bread.

Gas is over $3.00 a gallon.

Everything was significantly higher in not only the grocery stores, but in discount stores and almost everywhere we went before Christmas.  Anyone who seriously believes that the economy is getting better is deluded, or alternately, can I have some of what they’re taking?   One simply cannot look at any one sector and say “Look!, the economy is improving!” 

Unemployment has NOT decreased.  The government would love to push that theory, but in reality, one does not become employed magically when they stop claiming their unemployment insurance payments.  And, glory be to the highest I heard all last week because “They passed the extension!”  Most folks who aren’t claiming their unemployment insurance payments don’t even grasp that it was NOT an extension of benefits.  It was simply a stop gap measure to extend the date by which one was eligble to apply for the extensions already in place.  It had NO effect on those at the end of their last extension.  So, tons of people went into Christmas knowing that this week, there would be no check. 

I am deeply saddened by the fact that by this summer, without some miraculous changes, we will enter the beginning of an era where many children will see homelessness as their normal.  Millions of people will lose everything they worked for their entire lives.  I already see many families in communal living situations, “kids” lost their jobs, lost their homes and moved back in with mom & dad or siblings along with significant others and children of their own.  I live in a little grouping of 5 homes and 3 of us have our adult children & grandchildren living at home again after job losses.   The world is changing for millions upon millions of people. 

I’m thinking that the most voiciferous/viscious among the posters should take a moment to thank whoever you pray to if your life hasn’t been turned upside down by this mess, and if you could, lay off those who’re just trying to make sense of their world falling apart.  If you must feel superior, fine.  I can live with you thinking you’re more intellegent, made better decisions, hey, whatever gets you through the day.  But seriously, life is hard enough right now.  Feel superior in silence, huh?

Is it safe to use my credit card online ? The internet has completely changed the way many of us do our shopping. It means we no longer have to leave the comfort of our homes to buy the things we more.

The rest is here: 
Britons rack up £200 a month on credit cards due to online …

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An abroad calling card is basically a credit card used exclusively for telephone communications.

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