CMS Rock Star

I was reading an article in a local newspaper about how many public transportation methods are upgrading their services to attract more riders. The article was talking about how bus stations are equipping themselves with Wi-Fi, and making their buses more comfortable to ride in. One of the things they are doing with the new buses is putting more soundproofing in the floors. That should help! I think it would be great if the long distance buses and trains offered Wi-Fi on the bus and/or train!

I have an aunt who lives in another state further south. (I just realized how silly that sounds, almost everyone lives further south than we do!) Anyway, she and her husband have had perfect credit all of their lives. Last fall her husband was in a bad car accident that was not his fault, and he has been unable to work for the past ten months. The doctors say that he may never be able to work again. He did not have any kind of disability insurance other than his standard automobile insurance policy (which doesn’t want to pay anything because the accident was not his fault!) The lady who caused the accident does not have enough insurance to cover even 25% of his medical bills! Thank goodness my aunt’s medical insurance has been covering most of his medical expenses so far, but the co-payments on the pain medications have been quite exorbitant! I never realized just how expensive pain medications could be! No wonder I keep hearing about drug stores being held up for pain medications!

Anyway, because he has been unable to work they have not been able to keep up on their mortgage payments and the mortgage company is not granting them any slack at all. My aunt is working three jobs, but is not making enough money to pay all of the bills.  They asked for a special hardship forbearance and the mortgage company refused. Long story short they are losing their house and their credit is ruined.  Their credit card companies are cancelling their cards because they have fallen behind on their mortgage payments.

This sad story has been a huge “awakening” to me about just how rotten life can be to good people who never did anyone any harm and have only been generous and gracious and hard working their entire lives.  They are going to have to look into getting some loans for people with bad credit to help them get through the next few years.  They are going to need some financial help to find a new place to live, and the only way they are going to get it is through a company that extends credit to people with poor credit.  What is really sad about this is that people with poor credit usually have to pay higher interest rates and higher fees, which makes their lives even more difficult!

I love to read.  When I was younger my teachers were so upset with me for reading so much that they used to send notes home to my parents complaining that I read too much!  My parents used to buy me a lot of books from the school’s Scholastic Book Orders, but eventually our bookcases overflowed with books that were only read once.  So they finally wised up and got me a library card to the public library.  I love going to the library and picking out a couple of books that interest me, bringing them home to read, and then returning them to the library when I’m done.  The library is right in town so it is not inconvenient for me to go there.  Library cards are one of the best “freebie” bargains there are!

My uncle was one of tonight’s dinner guests, and we were talking about his plans for his new business.  We were talking about how his hunt for the perfect location is going, and which suppliers he has narrowed down for his vendors.  He is in the process of negotiating a lease on a building for the store, and has been talking with insurance companies about getting insurance.  We were also talking about his marketing plans, and his staffing plans.  He has been talking about hiring me as one of the department managers, and we have a lot of negotiating to do on that end.  I want to help, but I don’t want him to think he can take advantage of me and can pay me peanuts just because we’re family! 

Business Loans were also a main part of the conversation.  He’s been trying hard to do business with the local banks, but they have been playing hardball with him and he is getting discouraged and frustrated with how difficult they are being with him.  So he is going to be turning to the Internet company called ezunsecured.com to see if he can get his financing through them.

Their website sounds like they will be easy to deal with; they say that they provide financing for new businesses, for working capital, for lines of credit, for debt consolidation, for business expansion, and that they also provide credit cards. Their website promises great service, an easy process, and fast funding.

Their website says that they provide loans without the need for collateral, tax returns, business plans, or UCC filings.  Their interest rates start as low as 5% and they will lend up to $10 Million!  They do require that their applicants have good credit scores with no bankruptcies in the past ten years and no overdue accounts, but that shouldn’t be a problem for my uncle, his credit is top-notch!  My uncle says he is going to fill out their online application tomorrow morning and let us know how it goes.

Tonight I decided to cook something special for dinner I’d never tried before.  I cooked chicken cordon bleu, rice, peas, gravy, and dinner rolls.  We had company for dinner, so it was really nice to have something special like that turn out so good!  I’m getting to be a pretty good cook, if I say so myself!  I think cooking is actually quite a bit of fun, if you can get people to eat what you cook without acting like you’re trying to kill them!