.
UPDATE: Author incorrectly attributed.
I’ve been had! Sorta.
As mentioned in my last message (as posted below), a colleague of mine forwarded the last message I sent to you earlier today about the letter from David Letterman.
Turns out, David Letterman was inappropriately credited for a letter he did not write. You can see where this same letter was once credited to Jay Leno and started spreading around and reported at http://www.snopes.com/politics/soapbox/hitnail.asp (Thanks Randy A. – Vermont)
The actual author of this letter is a conservative writer Craig R. Smith as found here: http://www.worldnetdaily.com/news/article.asp?ARTICLE_ID=53028
Goes to show we should all double check our facts before sharing information online. Lesson learned! 
Regardless of author, the article stands strong and resonates well with me.
Russ Johnson
http://www.showmemymoney.com
Beat The Crunch
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ORIGINAL POST:
This was an email forwarded to me from a colleague of mine which I sent to my entire email list. I hope you see the wisdom late night talk show host David Letterman dispenses regardless of your beliefs or affiliations.
===================
No matter what your political convictions are this is an eye opener….What a thankless people we are!!!
David Letterman, on President Bush. (Surprising)
David Letterman wrote this; it’s the David we don’t often see….
‘As most of you know I am not a President Bush fan, nor have I ever been, but this is not about Bush, it is about us, as Americans, and it seems to hit the mark.’
‘The other day I was reading Newsweek magazine and came across some Poll data I found rather hard to believe. It must be true given the source, right?
The Newsweek poll alleges that 67 percent of Americans are unhappy with the direction the country is headed and 69 percent of the country is unhappy with the performance of the President. In essence 2/3 of the citizenry just ain’t happy and want a change. So being the knuckle dragger I am, I started thinking, ‘What are we so unhappy about?’
A. Is it that we have electricity and running water 24 hours a day, 7 Days a week?
B. Is our unhappiness the result of having air conditioning in the summer and heating in the winter?
C. Could it be that 95.4 percent of these unhappy folks have a job?
D. Maybe it is the ability to walk into a grocery store at any time and see more food in moments than Darfur has seen in the last year?
E. Maybe it is the ability to drive our cars and trucks from the Pacific Ocean to the Atlantic Ocean without having to present identification papers as we move through each state.
F. Or possibly the hundreds of clean and safe motels we would find along the way that can provide temporary shelter?
G. I guess having thousands of restaurants with varying cuisine from around the world is just not good enough either.
H. Or could it be that when we wreck our car, emergency workers show up and provide services to help all and even send a helicopter to take you to the hospital.
I. Perhaps you are one of the 70 percent of Americans who own a home.
J. You may be upset with knowing that in the unfortunate case of a fire, a group of trained firefighters will appear in moments and use top notch equipment to extinguish the flames thus saving you, your family, and your belongings.
K. Or if, while at home watching one of your many flat screen TVs, a burglar or prowler intrudes, an officer equipped with a gun and a bullet-proof vest will come to defend you and your family against attack or loss.
L. This all in the backdrop of a neighborhood free of bombs or militias raping and pillaging the residents. Neighborhoods where 90% of teenagers own cell phones and computers.
M. How about the complete religious, social and political freedoms we enjoy that are the envy of everyone in the world?
Maybe that i s what has 67% of you folks unhappy.
Fact is, we are the largest group of ungrateful, spoiled brats the world has ever seen. No wonder the world loves the U.S. , yet has a great disdain for its citizens. They see us for what we are. The most blessed people in the world who do nothing but complain about what we don’t have, and what we hate about the country instead of thanking the good Lord we live here.
I know, I know. What about the president who took us into war and has no plan to get us out? The president who has a measly 31 percent approval rating? Is this the same president who guided the nation in the dark days after 9/11? The president that cut taxes to bring an economy out of recession? Could this be the same guy who has been called every name in the book for succeeding in keeping all the spoiled ungrateful brats safe from terrorist attacks? The commander in chief of an all-volunteer army that is out there defending you and me?
Did you hear how bad the President is on the news or talk show? Did this news affect you so much, make you so unhappy you couldn’t take a look around for yourself and see all the good things and be glad? Think about it……are you upset at the President because he actually caused you personal pain OR is it because the ‘Media’ told you he was failing to kiss your sorry ungrateful behind every day.
Make no mistake about it. The troops in Iraq and Afghanistan have volunteered to serve, and in many cases may have died for your freedom. There is currently no draft in this country. They didn’t have to go. They are able to refuse to go and end up with either a ”general” discharge, an ‘other than honorable” discharge or, worst case scenario, a ”dishonorable’ discharge after a few days in
the brig.
So why then the flat-out discontentment in the minds of 69 percent of Americans?
Say what you want, but I blame it on the media. If it bleeds it leads and they specialize in bad news. Everybody will watch a car crash with blood and guts. How many will watch kids selling lemonade at the corner? The media knows this and media outlets are for-profit corporations. They offer wha t sell s, and when criticized, try to defend their actions by ‘justifying’ them in one way or another. Just ask why they tried to allow a murderer like O.J. Simpson to write a book about how he didn’t kill his wife, but if he did he would have done it
this way……Insane!
Turn off the TV, burn Newsweek, and use the New York Times for the bottom of your bird cage. Then start being grateful for all we have as a country. There is exponentially more good than bad. We are among the most blessed people on Earth and should thank God several times a day, or at least be thankful and appreciative.’ ‘With hurricanes, tornados, fires out of control, mud slides, flooding, severe thunderstorms tearing up the country from one end to another, and with the threat of bird flu and terrorist attacks, ‘Are we sure this is a good time to take God out of the Pledge of Allegiance?’
-David Letterman
Please keep this in circulation. There are so many people who need to read this and grasp the truth of it all.
END article>
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Have you ever loaned money to a friend, and because they were a friend, you didn’t press them to pay your cash back quickly? Then, as time went on, did you forget all about the money? Well, maybe you haven’t, but millions of Floridians do every year, only their “friends” are companies holding dormant bank accounts, uncashed payroll checks, stocks, dividends, just to name a few.
After the companies lose contact with people associated with these accounts, they turn over these funds to the state Department of Financial Services, and the funds, totally hundreds of millions each year, become what is known as unclaimed money or unclaimed property. The state never actually “owns” Florida unclaimed money, but they are obligated to hold it until the rightful owner steps forward to claim it.
The task of turning that missing money in to found money is easy if you know what you’re doing. Many people make the mistake of simply performing a onetime search at some third party side that made false claims about its unclaimed property database. Others only search Florida’s unclaimed funds records. On top of that, one of the biggest mistakes people make time and time again, is only searching once.
Searching only once doesn’t take in to account that in accordance with varying dormancy periods on forgotten money, these assets are turned over at different times. Meaning that if you search for unclaimed money in Florida only today, but your funds haven’t been turned over to the state until tomorrow (or next week, month, or year), you’d never find it. For this reason (among others), searchers should steer clear of sites that charge “per search”.
Many people hunting for FL unclaimed funds simply don’t realize that their money might be in the hands of government offices in other states. What if your insurance companies or corporate headquarters of a former employer were in other states? When the dormancy periods end, your unclaimed gov money will be turned over to those states, so searching Florida missing money records would be pointless.
Although Florida’s $1 billion is a lot, searching the records of other states frequently is particularly important in The Sunshine State, because the state houses so many transplants. It’s no secret that Florida is the place to be if you’re a retiree, but most didn’t live there for their entire lives.
Despite the fact that Florida does you the courtesy of not putting any time limits on claiming your funds, most people would obviously prefer to have their money sooner rather than later. Additionally, if the cash belonged to a passed relative, the process of proving you’re the rightful heir can take a bit more effort than claiming your own lost money, so it’s important to get started ASAP.
Most people think it’s not possible for them to have ever abandoned or forgotten money, but you’d be surprised. The reality is that the majority of people are owed some type of unclaimed money, so everyone owes it to themselves to search.
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Find Missing Money and Beat the Financial Crunch
Finding missing money for you and your family may help the financial crunch. The bursting of the real-estate bubble brought about a storm of problems that hit the U.S. like a super-typhoon. Seemingly invincible Wall Street juggernauts came crashing down gasping. Detroit’s ailing Big Three triggered a wave of factory shut-downs and lay-offs that started a wave of job-loss and homelessness across the county. Other businesses have been downsizing as well and it doesn’t seem like things are going to improve soon. In fact, the economic quagmire has spread to Asian nations like an unstoppable virus and financial experts can only sit back watching helplessly.
A depressing number of American families are still losing their homes up to this point and the wave of recession is slowly creeping inwards from opposite coasts. All but a miniscule percentage of the US population has been affected by the economic crisis that just turned global and people are struggling just to keep meals on the table. To say people are desperate for cash would be a gigantic understatement. Unknown to most, there is a way for Americans to get their hands on some easy money. It’s not a sure-shot deal mind you, but it’s not a scam either. I’m talking about lost money belonging to people and businesses that have lost track of their finances through bad addresses, file mix-ups, oversight or what have you. Yes, a large portion of the American populace are actually richer than they think they can find missing money from state unclaimed property quite easily.
The National Association of Unclaimed Property Administrators is an organization that represents the Unclaimed Money Bureau of each State and tries their best to protect and help Americans find their missing money from lost assets. The NAUPA’s definition: “Unclaimed property (sometimes referred to as abandoned) refers to accounts in financial institutions and companies that have had no activity generated or contact with the owner for one year or a longer period. Common forms of unclaimed property include savings or checking accounts, stocks, uncashed dividends or payroll checks, refunds, traveler’s checks, trust distributions, unredeemed money orders or gift certificates (in some states), insurance payments or refunds and life insurance policies, annuities, certificates of deposit, customer overpayments, utility security deposits, mineral royalty payments, and contents of safe deposit boxes. ”
Contrary to what one may think, it’s quite easy to find missing money from financial assets that have been lost over time. Remember that we’re in the information age and most of our transactions can be done online now. Finding unclaimed money at the click of a mouse is just one of the pluses that come with the times. True, the increasingly fast pace we’re living our lives these days makes it easier for us to lose track of our funds, but it can be just as easy to get it back providing the proper methods for an online unclaimed money search are used.
Surprisingly, only a few of the millions of people owed state unclaimed property are actually trying to find missing money through the net. The $33 BILLION national unclaimed money pile is evidence of this. During times like these, that’s quite ironic as multitudes of people in the U.S. are in a financial bind. The problem may lie in lack of public knowledge and proper search methods. Finding out how to do an expert unclaimed money search- know where, when and how to look can put much needed funds in citizens’ desperate hands.
To find unclaimed money owed to you, see Showmemymoney.com
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Bookmark this page now and tell all your friends. Cyber Monday is huge and you’ll want this info next year too!
Everyone knows the past Friday was Black Friday, the day retailers in the “brick and mortar” world measure their expected profits for the year. Most of these businesses rely on this one day to put their businesses in the black to make a profit for the year. In fact, for many businesses, this one day represents up to 80% of their sales for the entire year.
Early results appear to show Black friday was a huge success despite the fact many consumers have shied away from pulling out their wallets.
The comes CYBER MONDAY!
What is Cyber Monday?
Cyber Monday Shopping is the equivalent to Black Friday in the virtual world of the Internet with real cyber Monday savings and deals to found if you know where to shop.
Free shipping, no payments for 90 days, and deals like $10 off purchases of $50 or more, along with traditional discounts on products are driving many of us to do all of our shopping online.
This year, BestBuy.com is expected to be slammed with visitors as Ipods go on sale for the very first time. If you or someone you know has always wanted an Ipod, Cyber Monday adds may be the time to consider buying the gift anyone would love. Though BesyBuy has not announced the discount price, it is expected to be significant and huge savings.
Toys R Us is offering customers get $10 off purchases of $50 or more. 70 percent off Star Wars figures, $50 off the normally $59.99 Guitar Hero wired guitar and many other deals.
To shop and compare the major stores for child and baby products, you’ll find a list of baby stores at BabyOutlet.com
Here’s a quick rundown of sites you’ll want to monitor throughout the day:
CyberMonday.com and CouponMountain.com are two sites who will need monitoring throughout the day as bloggers are camped out at malls and are continuously updating the sites with the latest deals found. Diligent Internet Cyber Monday shoppers can find great deals with these sites if you are willing to check back often for the latest finds.
With Priceprotectr.com allows you to enter the product you are seeking from over 150 stores such as Amazon, The Apple Store, Best Buy, Circuit City, Costco, Future Shop, Sears and Staples. “Price Protectr watches prices so you don’t have to. Want the lowest price? Wait for the price to drop — we’ll send you an email?”
Amazon.com will take up to 65 percent off watches and this is huge because if you’ve always wanted a Rolex, nows the time if you have the cash. If Rolex is a bit out of your league, even with the discount as it is for me, you’ll find the trusted Timex brand as well.. Cyber Monday deals also include one-day deals such as knife set that is usually $157 on sale for $49.99.
JC Penny is offering a savings of up to 70% off luxury jewelry. For some products, you can grab $700 gold charm bracelet which normally sells for $700 for only $100, or diamond necklaces which sell for $500, for $200.
5 percent to 30 percent off at retailers including American Eagle Outfitters Inc., Overstock.com (the equivalent to TJ Max or Marshalls) and BlockBuster are all offering discounts if you use PayPal to order.
Lastly, PriceGrabber.com is an excellent site to help keep more green in your wallet. Simply type in the item you are looking for (be sure to use zip code to compare shipping costs and ensure you really are getting a deal) and Pricegrabber will show you the best deals available for that product. Studies have shown this one simple move nearly anytime of the year can reap a savings on average of 35%.
Hopefully, you will find these sites useful in helping you to save Money as you do your Cyber Monday Shopping. In today’s economy every penny counts and Cyber Monday’s really can make a huge difference to your bottom line.
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If you find other sites and deals you want everyone to know about, please add your comments below.
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Search For Unclaimed Money and Property in Your Name
By Russ D Johnson
The country has a new captain at the helm and Americans are all set to try to shift the country’s economic course the only way they can. A recession has hit the country on both costs and is rapidly creeping-up towards the central states. Countless folks are out of jobs, out of houses and almost out of hope. Even with the hopes of a new, smarter President, it will take a while for the U.S. economy to recover. Americans, regardless of name, are going to need all the resources they have at their disposal to survive these lean times. One possible source of cash that only a few citizens know is state unclaimed money.
Unknown to the general public, the government collects lost or abandoned financial assets from businesses, banks and financial institutions every year. According to the NAUPA, an acronym for National Association of Unclaimed Property Administrators, “Unclaimed property (sometimes referred to as abandoned) refers to accounts in financial institutions and companies that have had no activity generated or contact with the owner for one year or a longer period. Common forms of unclaimed property include savings or checking accounts, stocks, uncashed dividends or payroll checks, refunds, traveler’s checks, trust distributions, unredeemed money orders or gift certificates (in some states), insurance payments or refunds and life insurance policies, annuities, certificates of deposit, customer overpayments, utility security deposits, mineral royalty payments, and contents of safe deposit boxes” Currently, these are worth roughly $33 billion spread-out among the different State Treasuries and all people have to do is search for unclaimed money by person name.
Quite ironic that in this time of economic strife, people still lose track of their finances and never take the time search for money under their name. These funds sit in banks, insurance companies, various businesses, etc. until their owners remember and come to get them. Otherwise, they’re collected by the US government as State unclaimed property after the specified period of dormancy (3-5 years usually). An excerpt from a press release by Georgia State Department of Treasury Unclaimed Property Unit explains dormancy periods best: “The time that must elapse for property to be determined “abandoned” and turned over to the state varies depending on the type of property. For example, unclaimed wages and company liquidation proceeds must be turned over to the state after one year. The vast majority of unclaimed property must be turned over to the state five years after the last contact with the rightful owner. Time frames for other types of property are: safe deposit box contents must be forwarded to the state two years after the box was opened by the holding financial institution; money orders seven years after the issue date; and traveler’s checks 15 years from the issue date.”
The excerpt from is fairly standard across all 50 U.S. States and most have websites where visitors may search by name to locate assets due to them.
The Unclaimed Property Division in each state takes charge of safekeeping the citizens’ lost assets and locating the owners. Most States keep the funds indefinitely until the owners or their beneficiaries look for unclaimed money by a persons name and realize they’re actually missing money and show-up to collect. However, if you live in Idaho or Indiana, you are urged to search as soon as possible if you have never searched. After 10 years, if the property if not claimed, the state takes possession forever. Currently, time restraints do not apply to some of the more active states like California, Texas, Washington, New York or Florida. All Americans are urged to search for unclaimed money and property in their names each year, and several times per year as funds are added year round.
Unclaimed money and property expert Russ Johnson has been assisting Americans in finding their unclaimed money online since 1997. His sites are http://www.unclaimedmoney.net and http://www.unclaimedfunds.net which are updated regularly with the latest missing money information, news, and direct access to each states official unclaimed funds websites. Mr. Johnson is on a mission to inform all Americans of this little and often misunderstood program overlooked by U.S. Government offices.
Article Source: http://EzineArticles.com/?expert=Russ_D_Johnson
http://EzineArticles.com/?Search-For-Unclaimed-Money-and-Property-in-Your-Name&id=1680802
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$1500 No Credit Check Loans
In today’s tough economic times, most of us are seeking ways to get cash just to get by. $1500 right now can make a big difference RIGHT NOW and if this is what it takes to make your family function, this may be an option to consider. Especially if your credit is not so great.
However, there are cautions as outlined by Sue Taylor of the Pay Day Site. She says “The downside to a payday loan is that rates of interest on this type of loan are generally comparatively high. The lender will either charge a fee or a percentage of the amount borrowed. Like all other types of credit, the cost of a payday loan must be disclosed to the borrower in writing. The finance charge should be disclosed in dollar value along with the annual percentage rate or APR.”
She goes on to say “When you look at this information, you will realize that this sort of credit is indeed a very expensive way to go. For example, you may wish to borrow $100 and write the lender a check for $115 to be cashed in say 14 day’s time when you are next paid. In this case, the finance charge on the loan is $15 which doesn’t sound too bad. However the APR is equivalent to 391% which is extortionate. If you continue to roll the loan over which many lenders will allow you to do, the finance charge will rise accordingly.”
Source: http://www.buzzle.com/editorials/3-29-2006-92244.asp
That’s a bit daunting, but if you fully intend for this to be a short term solution you will pay off quickly, here’s an article from Terry Schmidt on how to best obtain a $1500 no credit check loan.
How to Get a $1500 Loan – Almost All Applicants Approved
By [http://ezinearticles.com/?expert=Tracy_Schmidt]Tracy Schmidt
Emergencies can wreck havoc on your financial well-being, even if you are extremely responsible when it comes to managing your expenses. The fact is most people live paycheck to paycheck and a sudden change in employment, health or any new life events, can have mean not being able to pay your monthly mortgage, rent, car note, child care expenses, etc.
If you find yourself in an emergency and need a short term loan, you can get a cash advance loan, if you have a steady income. Most cash advance lenders do not conduct a credit check so even if you have less-than-perfect credit, you can still get a loan.
Where can I get a $1500 loan?
Consumers seeking cash advance loans, can get loan at a “bricks and mortar” cash store or use an online lender. More consumers are choosing the online option because it’s convenient, requires no faxing and it’s discreet. Everything can be done in the privacy of your home with just a few clicks of a mouse.
Some lenders have low loan limits such as $500, while other lenders offer up to $1500. The amount you can borrow, depends on your monthly income. The more money you earn, the more money, you can borrow. If you choose to use an online cash lender.
What are loan qualifications?
If you use an online short term lender, you must have a checking or savings account so that the lender can directly wire the cash into your account. The expedites the process and you can quickly write checks against your account or take the money out at an ATM machine. In addition to having a bank account, you must have stable employment and a steady stream of income. Usually, most lenders will require you to be employed with the same company for least 180 days or 6 months.
Lastly, you must be at least 18 years or older to get a loan.
Get a [http://www.1500approved.com]$1500 loan in 24 hours or less, online at [http://www.1500approved.com]http://www.1500approved.com. Almost all applicants are approved. No credit check and no faxing is required to get a loan today.
Article Source: http://EzineArticles.com/?expert=Tracy_Schmidt [http://ezinearticles.com/?How-to-Get-a-$1500-Loan---Almost-All-Applicants-Approved&id=1676510 ]http://EzineArticles.com/?How-to-Get-a-$1500-Loan—Almost-All-Applicants-Approved&id=1676510
Regardless of whether of where, you obtain a personal loan, I think it is important to add one final comment from Sue Talor who is a finance expert. She says “It may help to look at the reason why you need a short term loan. Is it because of poor budgeting and not saving any of your income? If this is the case, it may be wise to work out a debt repayment plan with your creditors and work on developing a budget. There are a number of free or low-cost credit counseling programs who will work with you to put together a budget.”
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I found this article on Ezinearticles.com which I believe is appropriate to the state of our economy and how we can use the resources available to us from government grants to get us out of a jam. I will be adding more to this page in future updates, so be sure to subscribe and add comments below.
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Debt Relief Grants From The Government
Becoming Debt Free Using Government Grants For Debt
By Neil Bradley
You want to become debt free and you know this is not a dream. Sorry for speculating your thoughts but from my experience, only people who serious about getting out of debts will search for methods to achieve financial independence online. Most will just shrug it off and move on with their sorry debt burden.
In this article, you are going to learn how to utilize government grants for debt to become debt free. What? Yes, you heard me right, you are going to learn how to use government money to get you out of debt? OK, I know it sounds too good to be true. Most clients of mine have the exact same response now when I told them about this. Pay attention, hold yourself and read on for my explanation.
Why Availability of Government Grants for Debt?
Let me guess again. The government, in your eyes, is a body from the dark side that is only interested in getting you to pay tax. They are almost impossible to give you back your money. Well, do you know that having a huge sum of debtors is bad for a country’s economy just like what you see now?
When you are in debt, you will start limiting your spending and this is bad for the economy as well. A country needs the people spend because spending keeps the economy afloat and helps maintain the level of interest rates. Now you have this knowledge that is not known by average people out there, let us move on to how you can land the sum of money into your hands.
Applying for Government Grants for Debt
Before you start looking for such grants, it is advisable to prepare a few information such as the amount of your due debts, income proof and contact information as these are mandatory for your application later on.
Use search engines on the Internet like Google and Yahoo to dig out government grants information sites and they should be able to provide you with the latest grants that are open for application. Some grants don’t stay open for long.
Thus, once you spot a grant which you fulfill the requirements, you should apply for it immediately.
Why Government Grants to Become Debt Free?
The must know benefit of using grants to get out of debt is that you are not required to pay back the amount granted to you. How great is that? After you get yourself out of debt, you can start spending or invest your own money to generate more income in the future.
Now you know the benefits and availability of government grants for debt. Do you want to learn how to increase your grant application approval rate and where to get the biggest list of grants for you to apply? Click on apply for free government grant now!
By paying the low shipping cost (less than $5), you will get an information pack on government grants sent right to your doorsteps. It contains no fluffs and no fillers. Click on http://www.supergreatoffer.com/apply-for-free-government-grant-free-us-government-grants/ now in order to secure your government grants info pack. In my opinion, only people who are serious about living a better life by achieving financial independence deserve to get the pack.
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Debt Relief Grants From The Government
What I have found is that even if you do not qualify for a Government Grant for debt relief, you can sell these products and make a commission.
SEARCH Debt Relief Grants
If you are seeking government auctions using Government Auctions.org, you can obtain info on the follow;
- Auction Directories
- Government Auctions Listed by State / Territory (ALL)
- Federal Government Seized Property Auctions
- Federal Government Surplus Property Auctions
- Federal Government Real Estate Auctions
- Federal Government Auction of Intangible Items
- Bankruptcy Auctions
- State Government Auctions
- University Auctions
- Local Government & Police Auctions
- Canadian Government Auctions
- Online Government Auctions
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 Get started now:
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Get paid to tell others about government grants, see governmentauctions.org affiliate program.
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I was quite surprised to receive three emails just this morning from 3 different users wondering if I was ok since I hadn’t posted in a few days.
Yes, I am live and well and have been working on the update for the new members area which is due out late this month.
I am excited and can’t hardly wait to launch this site as it will be even easier to navigate and certainly more fun for all our users.
It’s nice to be loved and thanks for your concern.
I do have some coupon reviews I will be sending out this week, so be on the lookout!
Russ
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