There are many businesses in the area of MN that i'm from that have jobs available but can't fill them. My father owns two businesses and he told me the other day that he is having more trouble finding people to hire that at any time he can remember.
Regarding the fico scores, I look at these reports on a daily basis as a Credit Analyst. Like Fletch, I have seen plenty of cases where people who are well off (normally retired) have no credit score since they use cash for everything. However, all a person needs to maintain a credit score is one open credit card account. You could use it as little as one time per year to ensure it remains active and maintain fico scores in the upper 700's or low 800's. I like to use reward based credit cards to pay for things like groceries, gas, utilites, etc and then pay off the entire balance every month. The couple hundred bucks I earn in rewards each year comes in handy for hunting gear.
This is true,but not necessary if youthe have the cash. :D i don't but that is another story. We would be well served to go to manual underwriting for large purchases if financing is a have to. Sent from my DROIDX using Tapatalk 2
Whites make up the highest number of people on welfare and unemployment, yet you single out blacks as the problem. Yeah, I don't know what I was thinking.
One thing missing from this thread is the accumulation of assets, if you are going to borrow money to buy a car you need to look further than the color and type of stereo that draws you to this purchase. If you are going to make five or six years of payments on this car what is it worth when you do own it? Does it have value or did you just spend 5 years paying for some thing that now needs replaced or repaired at further cost, or can you drive it for several years cost free allowing you to bank your cash and create some wealth? The same thing goes with home purchases, is that press board house on your one third acre in a sub division going to appreciate in value over the next 20 years, probably not, so how do expect to gain wealth if you spend a life time in existence mode instead of acquisition mode? Most will not win the lotto so you must accrue wealth in small bits over a life time, the sad thing is most are to short sighted to see what is right in front of them.
You have a knack for pinning stuff as racist...but since you went there, let's go there. Caucasians make up 73% of all Americans and 39% of welfare recipients. African Americans make up 12% of all Americans and 38% of welfare recipients. But as stated before, I don't think it's a race issue it's a social economic class issue. The lower income people of our society now (whether black, white, brown, or purple) believe it is acceptable to be supported by the government in large part. Not everyone, but it's a steadily growing trend that is bragged about on everything from music to the Internet.
Correct but my statement was trying to get people to think about this issue and what can be done to fix it. I see a serious problem when someone can't even feel safe going to school. Then they become a drain on society. This is a problem regardless of race but especially in the inner city communities. Fixing this problem will go a long way toward fixing our problems as a society. Sent from my DROIDX using Tapatalk 2
Correct. Trust me man, I'm not he only one "pinning" stuff as racist. I get PMs all the time about it on this board. I'm just one of the few that will actually say something.
ZING!! "Why should we have to go to class if we came here to play FOOTBALL, we ain't come to play SCHOOL classes are POINTLESS," (Cardale Jones) For some, they just wont ever get it. To be very clear, I am not pinning it on race either. The quote I used is merely an example of the mindset of some of the uneducated and how difficult a challenge it will be to overcome.
The government assistance given out at incredibly wasteful rates should be brought back to the communities via decreased taxes. And those individual savings should be used to help support one's neighbors and friends, without the ever watchful eye of big government. The more power we give to the federal government, the less power communities have in helping one another out in their times of need. I say give people back their own money and let them decide who they help. That would also strengthen communities because the dependency on one's neighbors and friends creates bonds, tight bonds that are raveled together through everyday action. The Big Brother federal government has no stake in the individual communities because it does not live there, you and I do.
Compared to the 1990s when a third of Americans were born out of wedlock, now 41 per cent of babies do not have married parents. There are racial divides: 73 per cent of black babies are born outside marriage 53 per cent of of Latino babies are born outside marriage 29 per cent of white babies are born outside marriage And educational divides: 92 per cent of college-educated women are married when they have a child 62 per cent of those with post-secondary schooling are married when they give birth 43 per cent of women with a high school diploma are married when they give birth Read more: http://www.dailymail.co.uk/news/article-2103235/Most-children-U-S-born-wedlock.html#ixzz29TRK4rob Follow us: @MailOnline on Twitter | DailyMail on Facebook Just some fun Facts for thought.
Ironic, i can't discuss social issues involving black americans without being labeled racist but you think it is perfectly acceptable to call the catholic church a cult and its ok for the government to impose it's will on them. Sent from my DROIDX using Tapatalk 2
