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Article Title:
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Is Government Working For You - Or Are You Working For Government?

Article Description:
====================

The new Congress and President are hard-at-work trying to push
through a new economic stimulus package. Our elected leaders are
claim the stimulus package will cost $825 billion. To put the
$825 billion into perspective, the government could give a
$17,000 check to every American and the numbers would add up to
the same amount of the new stimulus package... 


Additional Article Information:
===============================

1028 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2009-01-28 12:24:00

Written By:     Fred Vanhoosen
Copyright:      2009
Contact Email:  mailto:[email protected]



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Is Government Working For You - Or Are You Working For Government?
Copyright (c) 2009 Fred Vanhoosen
Fast Cash 4 All Net
http://www.fastcash4all.net/



The new Congress and President are hard-at-work trying to push
through a new economic stimulus package. Our elected leaders are
claim the stimulus package will cost $825 billion, but the
Congressional Budget Office (CBO) - which is known for its
accurate accounting - says that with interest costs, the package
will actually cost $1.1 trillion.

To put the $825 billion into perspective, Glenn Beck suggested
today that the government could give a $17,000 check to every
American and the numbers would add up to the same amount of the
new "stimulus" package.

We all know it - the government is not going to send any of
"us" a $17,000 check in the mail. This stimulus is about
helping political causes as opposed to helping the people who are
suffering in a bad economy.

If the current stimulus package will cost us $17,000 each, then
the TARP funds cost us the equivalent of $14,000, just a few
months ago. Between the two stimulus packages, the government is
spending at least $31,000 for every American in 2008-2009, and
that number only accounts for the "emergency stimulus"; it does
not even take into account the governments normal spending
habits.

I don't know about you, but $31,000 is equal to more than half
of what I earned last year.

If we believe in our leaders, we would be safe to assume that the
government will not come to us to collect the full $31,000 they
borrowed in our names. Instead, our leaders would have us believe
that you and I will get a tax cut and "the rich" will pay all
of that debt back to lenders. 95% of us will get a tax cut and
the 5% who are rich will pay our tax bills for us. So every rich
person will pay the tax bill for the 19 of us who are in the
middle- and lower-income tax brackets.

If this is an accurate assessment of the cost of these two
stimulus packages, then "the rich" will be responsible for an
additional $589,000 each. If the rich are really those who make
more than $250,000 per year, then I suspect that most of "the
rich" people won't be able to pay off our debts for us. But
what do I know... I am not a politician.

What Do I Know?

I will tell you what I do know. I do know that I cannot manage my
own family's finances with the same fuzzy math that government
uses to manage its money.

I know that if I only have $3500 per month to pay my bills with,
then I only have $3500 per month to pay my bills with. I also
know that if I can find a mortgage company to finance my next
home purchase, at a monthly payment I can afford to make, then I
can buy a home. I also know that if I can find a finance company,
which will loan me the money to buy a car, I can buy a car on
credit.

At every step in the process, I need to know that I can reliably
make all of my payments; within the context of the money I will
reliably earn every month.

When my income drops, I need to find something to cut from my
monthly expenses. If I cannot afford something this month, then I
will not be able to afford it next month either. Rather than to
try to live beyond my means, I have to cut something from my
monthly expenses, because in the end, I need to do what is best
for my family.

If the cash shortfall is temporary, like when I need to pay the
mechanic to fix my car, or my wife gets another speeding ticket,
then I can look to a payday loan company to help me cover that
short-term cash shortfall.

In my case, the cash advance or payday loan is cool to use, but
only if I am using it to cover a smaller, unanticipated expense.
On the other hand, if the cash shortfall is expected to last
several months, like when I needed to pay out $1100 over several
months to pay the transmission shop for the new transmission in
my car, then I would never consider a payday loan. Instead, I
would find something that I could do without for several months
and then do without that item.

Why Is This A Difficult Concept For Politicians To Understand?

At all times, we do what we can to live within our means, If we
need to borrow money, we only do so when we are reasonably sure
that we can pay that money back. If we cannot afford to borrow
the money, then we look for things in our budget that we can cut.

But our politicians will never do such things. Even cost-cutter
Governor Arnold Schwarzenegger cannot seem to figure out how to
stop spending money. Experts are now suggesting that the State of
California is only collecting 60 cents on every dollar it spends!
OMG... Where does it end?

So, California is looking for money to borrow, and the federal
government is borrowing money and printing money so that they can
spend well beyond their means as well. And why are the
politicians still spending money like this? Because we are in
dire economic circumstances!

You and I cannot borrow our way to prosperity, so why would the
politicians believe that the U.S. Government could borrow its way
to prosperity?

If you ask me, it is because our elected officials are just plain
stupid. They have decided that you and I exist so that we can
take care of the needs of the government, instead of the
government existing to take care of our needs.

"The rich" are not going to be able to afford to take care of
all of the costs or our government, so in the end, you and I will
be paying out of our very limited budgets to take care of the
financial needs of our government. They have stopped working for
us - now, we work for them. We just don't know it yet. 




---------------------------------------------------------------------
Fred Vanhoosen writes about the payday loan / cash advance 
industry for http://www.fastcash4all.net/ Occasionally, he
feels compelled to comment on the financial habits of our
government. To learn more about cash advance loan products, 
he recommends reading the following web pages:
http://www.fastcash4all.net/payday-loan-overview.php
http://www.fastcash4all.net/advantages-payday-loans.php





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