>Tom is 55. He has worked for 35 years, always had good credit and enough money to purchase more than simple food, shelter, and clothing. Always paid his taxes, but never needed government benefits.
One day Tom got laid off. A middle aged white man, he was soon to find out, that no one was going to offer him a job. Unemployment ran out. Tom started living on the equity and good credit he had built up.
His credit cards were lowered to $4,000.00 credit limit, from no limit. Not because of his situation (at this point he had not yet missed paying any bills) the credit companies were lowering everyone’s credit limits.
Tom had more than the advised 6 months worth of normal pay checks in the bank as a cushion, but it goes out fast when there is nothing coming in.
A year later after 100’s of job applications and no job offers, Tom defaulted on his house payment. The Bank was nice about it, and told Tom, “10 minutes after someone offers you a job, we can rewrite the loan.” But no one offered Tom a job.
Tom was not “filled in” on poverty, or the government programs available. Nor was he the type to accept, or even apply for government social programs.
The credit card companies reported him a s a bad credit risk, and took him to court. The bank waited a longer than normal time to start the foreclosure. The utility companies were cutting off his services. Tom sold his personal property to make some cash, but he saved that for the harder times to come. And they did.
Foreclosure, eviction, and lock by the bank, Tom was now living in the only asset he owned outright, his pick-up truck with an insulated topper.
Washing up in a laundry tub at an apartment building, Tom was homeless. His prospects seemed slim now for a job. No place to sleep, or shower. No phone. No Computer. Who would hire him now, and if they did how would he meet the requirements of a new job?
Tom was now getting $200.00 a month in EBT, but no cash for those in his age bracket. Tom could not even file for bankruptcy, you see, you have to have all the fees up front, to even file.
No cash for gas, Tom’s truck was parked in a secluded spot behind that apartment building. His bathroom was an old evergreen tree. Sponge baths were not cutting it in the 95 degree heat and tropical dew points.
It wasn’t the hard times to live through that bothered Tom, it was the hopelessness, that if he had not been hired by now, he never would be.
One day, like Richard Cory, Tom climbed into the back of his truck and put a bullet in his head.
>If We Can Keep It
July 8, 2010 by TOM
>Because of the 4th of July, there has been a lot of talk and blogging about the Constitution. “If We Can Keep It” was the famous phrase quoted after the signing of the Constitution. Few thought the Constitution would survive to set up a working government, much less, still be the guiding document for a society some 230 years later.
Even with the Constitution still intact, we can lose our Democracy, or freedom, and our independent lifestyle. “Opportunity” can only be assured in a thriving economy. Class divisions in America means class division according to how much money one has. Laws eliminate the class differences of race, religion and other groups that defined class differences centuries ago.
If our country splits to sharply between those who have and those who have not, America will not work. That split is sharper now than in decades. Those who have will not tax themselves to help those who have not. although, in past generations, that’s exactly what the people who had, did.
We all know the secret to America and its promise lies in our small businesses. Yet we seem to have a climate in national politics of large corporate leanings and financial interests.
These corporations have been given financial help by the people (our tax dollar bailouts) in the hope that would preserve opportunity for the individuals. The corporations were saved from going under, but these corporations have not spread the good fortune to the individuals. Why should they. They regained their losses. Do we expect them to care about individuals?
In order for these corporate interests to thrive and make huge profits, they support the conservative (Republican) agenda of small government and less taxes. In time of national need for individuals, they make it sound anti-American for the government to aid is citizens.
Individuals suffering is not something corporations add to their profit equation. All the talk about good, happy employees makes a better company, is hogwash! It might, but corporations could care less about the happiness of their employees. During times of high unemployment, is their best situation. Worker complaints diminish during times of high unemployment. In fact, this is the time corporations take the most advantage of workers. Americans seem to think it’s a good thing to have fewer union workers. Really? Wait until they have no say in what the company they work for does to them, or for them.
As baby boomers are retiring, corporations are planning for the slim down. They are not about to have old people (with lots of health problems) and high pensions. Being frugal and cutting services will have a new and colder definition in the future for corporations.
These splits can ruin a society, thus a country and the government. The Constitution cannot stop the mean, selfish nature of capitalist, or profiteers. If we neglect and abuse the individual, we die. The country was set up for people, individuals. If we forget that and allow our legislators to make laws favoring corporations, we die.
The Constitution will still be intact, but the country will be lost and dead.
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