An In-Depth Guide on How to Pay Off Debt and Improve Your Credit Score in the Process

Ultimate Guide to What Debt to Pay off First to Raise a Credit Score
Debt is like weight gain. To many people, an extra treat here and a little splurge there don’t seem like real problems.Over time, though, the bits and pieces add up and one day they wake up and say, “How’d that get there?”The good news is that it’s never too late. Paying off debt and improving a credit score are two of the most common financial goals. For people who do it right, they can score wins in both goals at the same time.Below are answers to the most common debt and credit questions, from expert tips to what debt to pay off first to raise a credit score.How Paying Off Debt Improves a Credit Score
Large debts and poor credit often go hand in hand. That’s why it’s great to know that working toward one goal will help with the other one as well.Improves the Utilization Ratio
One of the many factors that impact a credit score is the person’s credit utilization ratio. This is the percentage of revolving credit that they’re using.Revolving credit is any credit a person can use over and over like credit cards. If a credit card has a $10,000 limit, someone can use the credit, pay it off, then use it again.It’s different from a car loan, for instance. If someone gets a $20,000 car loan and they pay off $5,000 of it, they can’t later use that $5,000 for something else.It’s easy for people to calculate their own credit utilization ratio.First, they need to add up the credit limits for all their credit cards. Next, they add up the balances on all those cards. When they divide the balance total by the credit limit, that’s their credit utilization percentage.The goal should be to get a utilization ratio below 30%. However, the lower the better. Every dollar of revolving credit a person pays off will improve their utilization ratio.Establishes a RecordAnother important part of a person’s credit score is their payment record. The reason people have poor credit when they first turn 18 is that lenders have no record to tell them if the teen will pay their bills on time.Let’s say it takes someone two years to pay off their debt. That’s two additional years of reliable payments on their record, which will improve the credit score.Helps the Debt-to-Income Ratio
In truth, this doesn’t affect a person’s credit score directly. However, one of the most common reasons people strive to pay off debt and raise their credit score is that they’re trying to buy a home. Their debt-to-income ratio plays a large role in their mortgage qualification.As one would expect, a debt-to-income ratio calculates the percentage of a person’s monthly income that must go toward debt. It’s based on their minimum payments, not the amount they choose to pay.With certain debts like credit card debt, the minimum payment goes down as the balance goes down. The result is a better debt-to-income ratio.What Debt to Pay Off First to Raise a Credit Score
It’s clear that paying off debt improves a person’s credit score in several ways. For most people, though, their debt involves several types of accounts. Here’s how to prioritize.Bad Debt
A credit score doesn’t just look at how much debt a person has but at the types of debt they have too. They can categorize the accounts into “good debt” and “bad debt.”Good debt includes a mortgage and student loans. Investing in a home or a degree can improve a person’s financial situation in the future, making it possible for these debts to be productive.Bad debt, on the other hand, doesn’t have the ability to improve the person’s financial situation. That includes credit card debt and personal loans. To boost their credit score, a person should focus on bad debt before good debt.Minding the Utilization Ratio
For someone who’s trying to pay off their debt in a way that helps their credit score the most, they should keep their utilization ratio in mind. It’s best to pay off their revolving credit before other debts.For instance, if someone has credit card debt as well as a car loan, they should pay off their credit card debt first.Tips for Paying Off Debt and Raising a Credit Score
Even when people know which debts to pay off first, it can be hard to figure out the next steps. These tips can help.Higher Interest Should Be a Higher Priority
As mentioned above, it’s important to pay off credit card debt first. For people with multiple credit cards that have balances, though, they should focus on the one with the highest interest rate first.If all the credit cards have the same or similar interest rates, it’s best to start with the one with the highest balance. This way, the person will lower their largest monthly interest charges from the start.The Snowball Method Can Help with Motivation
In general, it’s better to pay off larger and more interest-heavy debts first. For some people, though, it’s discouraging that it will take so long to cross one debt off their list.Those who need some extra motivation can start with the snowball method instead.In this method, they keep making minimum payments on all their accounts but they put extra money toward their smallest debt. It’s easier to see progress and stay motivated this way.Thinking Twice About a 0% Interest Card
There’s a common trick for paying off high-interest credit card debt. It involves applying for and receiving a new credit card that has a 0% introductory interest rate. The person transfers their debt to that card so they don’t pay interest while they’re paying it off.That tactic is great if paying off debt is the only priority. However, it can hurt the person’s credit score in the process. For one, adding a new credit card lowers the average age of their accounts, which can hurt their credit score.It’s also common for people who do this to close the credit card that had the original debt. If they do this, it will likely hurt their credit utilization ratio because chances are that the new card will have a lower credit limit.Achieving a Better Financial Standing
Paying off debt and increasing a credit score doesn’t just require money. It also requires some research, like knowing what debt to pay off first to raise a credit score. The tips above can help anyone tackle their financial goals in no time.For a more hands-on approach to credit improvement, our credit repair experts can help.

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A Common Sense Approach To Personal Finance And Debt

Many people are struggling under the burden of debt and are having problems bringing order to their finances. Arguments between spouses increase, as do stress levels. Often, they may feel they are on a treadmill, barely maintaining their current positions but making no progress at all.If this sounds familiar to you, you might find it interesting that there is a way to apply common sense to your situation and bring both your debt and your personal finances under control. It isn’t an instantaneous fix and it will not be totally pain free, but it will work where other personal finance plans fail. It also isn’t some new idea (although many may find the concept somewhat novel) but a return to how things were done for centuries. Simply put, it is the idea of not spending more than you earn.You may not like the idea of living within your means, but that may be because you do not truly understand how it relates to personal finance. It is not eschewing all debt, nor does it mean giving up everything you love. It does not mean you must wear rags, make soup out of catsup, or never taste cappuccino again. What it does mean is that you take control of your personal finances and debt.The first thing you need to do to take control of your personal finances is to establish a workable budget. List all of your normal expenses and how much you spend monthly on them. If you are like most people when they first tackle their personal finances, there are going to be some things you do not know. It is not uncommon for many people to have no clue how much groceries cost each month, for example, or how much is spent on clothing. It may be necessary for you to track your expenses for a few weeks to get a good handle on your personal finances. In the meantime, start with fixed costs, such as your mortgage or car payments, and include your best estimate for flexible expenses. You can always adjust these next month.Include a line item in your budget for savings, something that is often neglected in money plans. Set some target percentage to save, since even 3% of your income is better than nothing. Over a period of time, gradually increase the percent going into savings until it reaches at least 10%. Savings accounts, when reserved for true emergencies, are an important part of personal finance security. They mean you do not need to pull out a charge card if the hot water heater breaks or your car needs a repair. This in turn means that you are not increasing your debt load.To examine how you regard personal finance and debt, consider the following scenario. Your net monthly income is $3,000. Your total payments are $2,500. If you make a credit card purchase of $4,000 that requires a monthly minimum payment of $400, you still have $100 before you exceed your income. A lot of people will say that is a true statement. It is not, because you actually went $1,000 over your income and $1,500 over what you had available to spend that month. There will be times when you have no choice but to charge something. Just keep in mind that in personal finance, it is the debt, not the payment that determines the health of your financial situation.Enlist the support of all family members if you need to bring your personal finances or debt load under control. Each individual needs to consider what is most important-a college education or designer jeans? Keeping your home after retirement or going out for a steak dinner every week? With just a little cooperation, you can make drastic improvements to your personal finances and reduce your debts substantially.

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Web Site Promotion Search Engine Submission Promote your Web

Building up traffic to your site means having your site viewed by a lot of internet surfers. It also signifies an increasing potential that you can convert those visitors into definite customers for the product or service that your website offers. There are ways of boosting traffic to your web site such as acquiring the services of a company that provides web site promotion search engine submission promote your web site or you can purchase software that also gives out the same services.Web site promotion search engine submission promote your web site through employing the services of search engine marketing companies is one approach to augment the visibility of your web site to your target customers. This kind of web promotion requires a budget depending on the rate a certain company presents. Often times they are granting package promos for these services and can give you at least a small amount of savings. However, it is advisable that you must select well from the wide range of search engine marketing firms that are swarming the Net these days.You can do this by doing a background check for the companies you select before hand and asking out experts or your colleagues about the companies that they can suggest for you. You can also consider the price of the service versus the quality that it provides. An S E M firm promotes a web site through optimization and by also submitting it into the top search engines such as GOOGLE and Yahoo. Don,t be deceived by S E M firms that promise that your site can reach the top ten sites in an instant. Remember that it takes time before a site will accomplish that feat. So it is better if you practice patience and first choose well the company that will perform web site promotion search engine submission promote your web for you. On the other hand, choosing soft wares for web site promotion search engine submission promote your web is also a complex process to improve the traffic to your web site. This for the reason that a large quantity of different group of soft wares are in the market nowadays and each are catering to dissimilar services. Aside from that each group of soft wares include a number of different brands that will make your selection harder. The thing is that you must ask a credible search engine marketing expert first for the soft wares that will assist your site into the maximum. Here are some examples of these soft wares Web link S E O, Web CEO and W P G. It will be helpful if you do some research first.Whatever your preference is either you obtain the services of a S E M firm or you will do it on your own web site promotion search engine submission promote your web will be easier if you examine first the needs of your site.

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Understanding The Basic Finance Options

When it comes to getting your finances in order, it is a good idea to understand a little about all the tools that you have at your disposal. Here are a few reminders of the several different ways you can gather support and information to help you manage your finances.No matter what our goals happen to be, most of us find ourselves in need of good sound finance advice from time to time. We can find all sorts of qualified finance advisers around us. Our local bank is usually willing to help us understand the workings of saving and investing, and without charging anything for going over the basics. Many communities have non-profit organizations that help with preparing budgets and providing counseling when persons are in need of a few tips on breaking bad financial habits.Counseling is also available to help you meet long term financial goals as well. As an example, if one of your goals is to finance college tuition for your children, a qualified counselor can help you set up a savings program that will allow you to set aside an equitable amount on a regular basis in some sort of interest bearing account. By using a finance calculator to layout your monthly budget, and make sure your budget is realistic, you can begin to make headway toward building that college fund.Of course, it may be that you need some guidance in seeking a finance loans to purchase a home or start a business. You will want to speak with more than one finance lender, so that you can do some comparison shopping on finance rates, monthly repayment terms, and how much of your monthly payment will be applied to your principle. You also want to know if there are any penalties for paying off the loan early, or if there are any incentives that would make it worth your while to retire the debt earlier than planned.Finance equity can also be a topic where you would want to seek some expert advice before making a move. Understanding just exactly how much equity you current have in your property can make all the difference in evaluating your overall financial health. This is especially true if you are considering the sale of a portion of your properties. Without a reasonable amount of equity accrued, you may find it advantageous to hold on to the properties for a little while longer.If you want to learn to handle more of your finances on your own, there are probably several avenues in your community where you can take a finance course or two. Your local community college may have courses that can be taken in the evenings or on weekends. Credit associations often have short term courses that are geared toward particular areas of financial management. Check in the phone book and with your local chamber of commerce to find out what opportunities are coming up.Record keeping is also important to your fiscal health. If you have a home computer, you can avail yourself of finance software. Some computers come with basic finance tracking packages already loaded into the hard drive. If you need something a little more robust, there are a number of different software programs on the market today. Often, you can download a trial version of any finance software you are interested in and see if the package will do everything you need it to do.With so many tools at your command, you can arrange your finances and begin to set goals that will make life much easier for you in the years to come.

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Lawsuit Financing Companies

Attorneys, law firms, lawyers, beneficiaries or clients usually form lawsuit-financing companies. Lawsuit financing companies can also provide appeal finance, firm finance, custom finance or estate finance.Many lawyers and attorneys create lawsuit financing companies based on their experience and the types of cases they encounter the most. Attorneys and lawyers with expertise in personal injury lawsuits or patent lawsuits help by providing cash advances and support in their fields.Lawsuit financing companies provide many financing options. With a significant monthly fee, a few lawsuit financing companies may help to settle the case faster. Though a large variety of options are available, the plaintiff has to discuss with the attorney which option is best suited to him.The lawsuit financing company and the plaintiff can make an agreement of the amount of share the lawsuit financers would obtain after the settlement or the verdict is known. This is called “flat fee”. Apart from the flat fees, the plaintiff has to pay a minimum fee every month, called “recurring fees”, to the lawsuit financing company. This recurring fee can be as low as 2.9% in the case of a few lawsuit financing companies, or could be as high as 15% with other companies.It is the financing company’s decision as to how much to pay as the cash advance. Lawsuit financing companies pay from $1000 to about a million dollars depending on the case.Every lawsuit financing company would have a team of lawyers to assess the strength of the case. The key is to avoid funding frivolous complaints. Thus the financing companies will scrutinize the complaint and decide the chances of success of the case.Lawsuit financing companies do not term their cash advances as loans but as investments. The applicant has to repay after the verdict. Usually the monetary settlement that is obtained after the settlement by the court is larger than the company’s advance. The lawsuit financing company should be paid the principal and the predetermined share of the monetary verdict.Many lawsuit financing companies can be approached through the Internet. Companies like legalcashnow.com, legalfundingnetwork.com and lawsuitcash.com are available on the Internet. Websites like these are flooded with information and instructions regarding lawsuit financing.

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Business Phone Systems – Voice Mail Online

For your firm to succeed nowadays, it must make use of advanced business phone systems. No more settling for old-fashioned dialing technology or obsolete answering machines. Today, clients prefer to deal with companies that utilize the most modern technological innovations.You may want to research VoIP if you are looking into upgrading your business phone system. VoIP or Voice Over Internet Protocol, this basically means that your phone calls will be routed through the internet rather than land line. This allows for more services to be provided and calls to remain crisp and clear.A great benefit of having this kind of business phone system is that they allow you to host voice mail over the internet. This means it is possible to easily access your voice mail from almost anywhere. This is a perfect feature for people who frequently go out of their office but need to provide customer service to their customers in a professional way.You can derive an additional advantage because it generally won’t cost more to place long distance calls than it does to make local ones. While that is just applicable to the U.S. and Canada, it can still result in a significant savings for your firm. Since your clients can be headquartered in any part of this country or may be some of our neighbors to the north, it would certainly be better to avoid the expense involved in long distance negotiations by making use of this no-cost alternative.Once you decide this is the technology for you, you’ll want to find an experience installer to take care of the installation process. You want a company who will not only install the system for your but will be happy to explain the different features to you and your employees. There’s no point in paying for extra features if you don’t know how to use them.Use an internet search engine to find the website of a quality communications or telephony installer near you. You can use search terms like: Dallas telephony installation or enterprise VoIP Dallas. You should find several installers in your local area. Contact each one and invite them to showcase their products and capabilities and submit a bid for your business.

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How is Parkinson’s Disease Treated?

Parkinsons disease is a comparatively common condition of the nervous system which is as a result of problems with the nerve cells in the part of the brain which generates dopamine. This is a chemical substance that is needed for the smooth management of muscles and motion, so the symptoms of the disorder is a result of a reduction of that chemical. Parkinson’s disease mostly impacts individuals aged over 65, but it can and does come on at younger ages with 5-10% developing before the age of forty.

The chief clinical features of Parkinson’s disease are a tremor or shaking, that will commences in one arm or hand; there is often a muscle rigidity or stiffness along with a slowness of motion; the stance gets more stooped; additionally, there are equilibrium concerns. Parkinson’s can also cause greater pain and result in depression symptoms and create problems with memory and sleep. There isn’t any specific test for the diagnosis of Parkinson’s. The identification is usually made primarily based on the history of the symptoms, a physical along with neural evaluation. Other reasons for the signs and symptoms also need to be eliminated. There are imaging assessments, such as a CAT scan or MRI, that can be used to eliminate other issues. From time to time a dopamine transporter diagnostic might also be utilized.

The actual cause of Parkinson’s isn’t known. It does appear to have both genetic and environmental elements with it plus some specialists think that a virus may induce Parkinson’s as well. Decreased amounts of dopamine and also norepinephrine, a substance which in turn is responsible for the dopamine, have already been found in those with Parkinson’s, but it is not yet determined what is causing this. Unusual proteins which are named Lewy bodies have been located in the brains of those who have Parkinson’s; nevertheless, experts don’t know what role they may play in the development of Parkinson’s. While the specific cause just isn’t known, studies have identified risk factors that establish groups of people who are more prone to develop the condition. Men are more than one and a half times more prone to get Parkinson’s as compared to women. Caucasians are much more prone to get the condition as compared to African Americans or Asians. Those who have close members of the family who have Parkinson’s disease are more likely to develop it, implying the inherited contribution. A number of toxins could raise the potential for the problem, implying a role of the environment. People who experience difficulties with brain injuries can be more likely to go on and have Parkinson’s disease.

There is no identified remedy for Parkinson’s disease. That will not imply that the signs and symptoms can’t be handled. The main method is to use medicines to raise or replacement for the dopamine. Balanced and healthy diet together with frequent exercise is crucial. There may be changes made to the surroundings at home and work to keep the individual involved as well as active. There are also some options sometimes for brain surgical treatment which can be used to relieve some of the motor symptoms. A diverse team of different health professionals are often involved.

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Understanding the Impacts of Gout

Gout is among those historical problems because there are numerous mentions of it in historical literature, at least since ancient times. The traditional typecast of it is that it is related to the upper classes that binge in alcohol and certain foods. This image was pictured in early art work illustrating people who had gout. Gout has stopped being viewed as a problem of over consumption, because of the current research demonstrating an important genetic component to it.

Gout is a distressing inflammation related disorder which mostly impacts the joints, most commonly the great toe joint with the feet. It is because of uric acid crystals getting placed in joints in the event the bloodstream uric acid quantities are increased. The uric acid comes from the breakdown of purines which come from the consuming of foods like venison, salmon, tuna, haddock, sardines, anchovies, mussels, herring along with alcohol consumption. It is possible to understand how that old misconception was produced according to the overindulgence of the higher classes in those types of food and alcoholic beverages. The actual problem is not really the quantity of those foods which can be consumed, but the actual genetics of the biochemical pathway which usually breaks the purines in these food items down into the uric acid and how your body deals with it.

While diet is still important in the treating of gout and lowering the quantity of food which have the purines with them continues to be considered essential, however it is becoming apparent recently that this is just not sufficient by itself and just about all those who have gout probably will need pharmaceutical management. It goes without saying that drugs are likely to be needed for relief of pain throughout an acute flare up. The acute phase of gout is extremely painful. Over the long term there are two forms of drugs which you can use for gout. One kind of medicine block chemicals in the pathway which splits the purines into uric acid, which simply implies there will be much less uric acid in the blood stream that could find its way in to the joints to trigger an acute episode of gout or lead to the long-term gout. The other main kind of drug is one that can help the renal system remove much more uric acid. This would also reduce the urates in the bloodstream. Generally, only one of those drugs is all that’s needed, however occasionally both are needed to be utilized at the same time. Since these prescription medication is ordinarily pretty successful, that will not indicate that the life-style and eating habits changes may be pushed aside. Local measures, including wearing good fitting shoes if the big toe joint gets too painful is important. Also ice packs during an acute flare up will also help with the relief of pain.

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How To Approach Removing Asbestos Removal in Sydney

Planning to renovate your home built decades ago? Well, you got to be careful! There is a good chance it may have asbestos. This is a popular building material used throughout Australia before it was completely banned in 2003.

Asbestos is not generally considered hazardous. In fact, homeowners are only allowed to remove up to ten square meters of non-friable asbestos. More than that, people are advised to seek professional help, especially handling friable ones. Because of the health risks involved, DIY removal is considered illegal.

This is particularly prohibited in Sydney. Hence, the expertise of your trusted asbestos removalists is required to handle the dangerous job.

Why Removing Asbestos Can Be Dangerous?

There are many DIY ideas. Some are equally fun. Whilst, others can be hazardous, like removing asbestos by yourself.

Here are some reasons why removing asbestos without proper knowledge can be dangerous:

Exposure to diseases

Small quantities of asbestos are present in the air most of the time and are being breathed in by everyone without ill effects. But, exposure to high levels of asbestos for a long time is pretty serious. It can cause asbestosis, lung cancer, and mesothelioma.

Accidents and Injuries

Asbestos is used in cement sheeting, drainage and pipes, guttering, and even roofing. But, asbestos roofing can become fragile over time. Hence, you might risk breaking it apart, releasing harmful fibres into the air. Also, a single sheet of asbestos can weigh 30-50 kilograms. Such weight can cause injuries.

Wrong removal and ill-fitting equipment

You may not know the proper ways to remove asbestos, exposing you to very harmful fibres. And the recommended removal equipment is quite expensive. You don’t have to deal with it on your own.

How Much Does It Cost To Remove Asbestos?

Asbestos removal can be pretty costly. It is determined by the type and size of the area, as well as the amount of debris to be removed. The safety risks of asbestos also increase the cost, especially when friable asbestos is involved. But health is wealth. It is always worth the price.

Most junk removalists in Sydney are priced from $99.99 per cubic metre, however, given the highly dangerous nature of asbestos, prices may be higher. It’s important to receive a few quotes before proceeding with an asbestos removal service.

How To Find The Right Asbestos Removal Provider?

There are a few key things you can do right now to ensure that your search for a provider is a successful one. They include:

Check Online Reviews

Does the asbestos removal service provider have an abundance of positive Google reviews? Check the history of their reviews to make sure that they are in-fact, legitimate. Businesses with legitimate reviews tend to have a stream of reviews that span across years of their lifetime; not just all within a few months.

Service Locality

Hiring a local asbestos removal business is always best. This ensures that you receive the best pricing as the business is local and nearby to your location. Typically, local businesses tend to take more pride in their workmanship as a positive reputation is key to their ongoing success.

Number of Years in Business

Given the highly dangerous nature of asbestos, it’s important to check how long the business has been in operation. A business who has over 10 years servicing the local community may provide cheaper pricing, given that they likely will have more refined practices.

Conclusion

Take your time while in search of a suitable asbestos removal provider. Due-dilligence is important and always shop around for the best quotes.

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A Pall Settles Over America

I see it in their eyes, downcast and wary. I see it in their steps, shuffling and tentative. When they talk, they use a word I rarely hear, depressed.

These are the producers, those who make the country work. Hourly and salaried employees and managers, who go to their jobs every day, work hard and provide for themselves and their families.

They’re the kind of people who have been with us since the country began. Back then, we called them Pilgrims, sod-busters, and settlers. Today they go by many names, Physician, Technician, Engineer, and Laborer. But for all of them, life has a rhythm, just as it did two centuries ago, that comes from our agricultural heritage.

Spring has always been the time for planting, and looking forward to the year ahead. Summertime is when they cultivate the crops. Fall is harvest time when we enjoy the fruits of our labor and thank God for blessing us. Winter is the time of austerity, the time to prune, the time to cut back.

But not this year. This year, we are still in harvest time. Yet the pruning has already begun. Major companies across this land are already cutting back, eliminating staff to reduce.

For thousands of laid-off workers, it comes at the worst possible time. Just before the holidays. A time when many who have children will have to cut back this Christmas. There will be little joy for those who lost their jobs these holidays.

If you’ve lived through a corporate “downsizing,” you know that anxiety runs high. No matter how often the boss has assured you that you will be kept on, you’re never sure about your future. Should you start looking for a new job now, or wait? Does the boss know what lies ahead, or might he be on the corporate chopping block? There is no job security once layoffs begin.

But there is much more to our collective angst this year than at any time in our memory. These corporate cutbacks are merely reflecting a more significant issue, an issue that is nationwide.

Our country is headed in the wrong direction. That is a sentiment shared by three-quarters of us. And we’ve felt that way for a couple of years. Producers know that the country should be operating better. Yes, there were all difficulties associated with the Pandemic. But those are now behind us.

Today recovery should be well underway. But it’s not. Despite all the trillions of dollars pumped into the system, our standard of living is falling. Each day inflation marches on; real income is declining. Gasoline, food, and shelter costs accelerate in real-time, but a salary rise comes annually. Corporate raises will arrive at the end of the year and likely come nowhere near the level of inflation we’ve already experienced.

Producers see all of this.

Producers also know that many, perhaps most, of our problems come from Washington. We see that a feeble old man has his bony fingers on the nation’s tiller, steering us straight for the shoals. He, and those who surround him, have a policy of austerity. In their eyes, less is better, and fewer is preferred. We should use less heat this winter, drive smaller, preferably electric vehicles, and eat vegan. And the less we consume, the better. From this perspective, we are the problem. Our destiny is to have shortages and wants. And they’ve pushed us in that direction.

However, these leaders told us last week that we could change everything. By walking into our voting booth, we could make our voices heard. We, the people, could take this country in a new direction that our leaders were indeed subject to the will of the people.

That didn’t happen. Counting votes has become a haze of computational complexity and slow-walking results. So that the incumbents in Washington get the results they want, it’s the complete inversion of the principal and values that the country’s founders intended. But there it is—today’s reality.

It’s the reason the word I hear most often from Producers today is: depression. And I’m afraid that’s where we’re headed.

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