Banks

Fixing The Economy IS Easy

Social Security
Means test benefits. If you made twice the median salary in your last 5 years of employment, you  get reduced benefits.
Eliminate the income limits. Why should you stop paying in just because you made more than $106,800? There are no income limits on medicare.

Revenues
Legalize and tax marijuana. That may be $40 billion to $100 billion in new revenue!
Legalize and tax sports betting. Although only 35 states currently allow "gaming", that number is sure to grow. Adding $50 million to a state budget will help to eliminate the need for federal dollars.

Economic Growth
A natural gas based economy. Get fleet vehicles and 18 wheelers running CNG. Get Detroit making those vehicles. And export LNG to other countries (USA natural gas is $2.76 but it can be liquified and sold much higher.

Homeless
Make shuttered schools into shelters. They have showers, gyms, bathrooms, cafeterias, computers, and plenty of room for beds. Laid off teachers can re-train these folks in the Cheapo Groovo system, which has no layoffs or outsourcing.


Get Your Money Out Of Banks & How To Hide It

Banks are going to charge you to make deposits. Banks keep merging and closing so you have few local choices. And banks are giving states access to your safe deposit box to remove everything.

So keep your money where you can get it but thieves can't!

There are some bullet proof ways to hide things outside your home on your property so that your money is hidden safely from others. One method is called “cache tubes” (pronounced “cash-ay”). Using cache tubes involves getting some 6″ to 8″ PVC drain tubing several feet long, with two threaded end caps. Your stash can be placed in several plastic baggies, and then the end caps can be epoxied in place, or sealed with extreme pressure wheel bearing grease, both of which are also available at your local hardware store. Use a common pot hole digger to create a good hole to bury the tube. If you are burying money, make sure it is wrapped in layers of zip lock bags and throw in a silica pack from the inside of vitamin or supplement containers to avoid mildew or similar smells.

Another way might be to hide things in hollowed out legs of patio furniture, or metal garden furniture legs, or even the hollow legs of a child’s swingset, or fence post. Again, put your valuables in several layers of plastic baggies.

The kitchen has some of the most accessible, natural hiding spots. Take for instance a large flour bin; your goods could be hidden in baggies and buried deep within. Or take an old packaging from frozen food and place your goods in there, and then re-glue the box. Hide that deep in the bottom of your chest freezer.

If you have those sectional plastic shelves, you are in luck, as they have hollow parts as well which are perfect for hiding small items.

If you have some ducts, you could put things in them that are not sensitive to temperatures. Use a string tied to your valuables so that you can retrieve them.

Another trick is to hide the goods in a dummy VHS tape and labeled “Aunt Jean’s Wedding” or something to that effect.


Pre Pay Your Mortgage

I use a FREE Excel based mortgage spreadsheet to see how the life of my mortgage would change if I paid a little more each and every month to the principal. It amazed me! By paying just an extra fifty dollars a month, I was able to shorten the length of my loan by five years and ten months and save more than $18,000 in interest!


Visa and Mastercard Fostering Credit Card Fraud

Have you ever used your credit card and been asked for ID? Did you know this is against the merchant guidelines that govern Visa and MasterCard? MasterCard even has a simple-to-use form where you can alert them if a merchant required ID.

The policy does not make sense to me, especially since I sign the back of all my cards "photo ID required".


The Best Bailout Plan Would Have Been To Rescue Homeowners

How? By simply paying off their mortgages. Since 2/3 of GDP is consumer spending, the savings would have gone to buy products/services. That would have kept the unemployment rate from rising.

Here is what my research shows:

The quarterly survey published by the Federal Reserve, called the Flow of Funds Report, shows the total value of all home mortgages in the U.S. was $11.2 trillion through the third quarter of 2008.

According to a team at Bloomberg News, at one point last year the U.S. had lent, spent or guaranteed as much as $12.8 trillion to rescue the economy.

Here is what they did:

$9 trillion given to 8000 banks.