Hard Times Are Coming, Dealing With Murphy's Law

 

Welcome to Hard Times or Dealing with Murphy’s Law

Most of this post was written nine years ago right after the 08 crash and while a lot of people were still hurting. The goal was to share my life experiences to hopefully help some one going thru hard times. Back then there were 14 million unemployed. Right now we are looking at forty million unemployed and many of these posts may help someone who is struggling. I changed the titles on some to help people know what the post was/is about.

One of the keys I stressed back then and will to this day. Time is money and if you wait till it is gone and your credit rating is trashed it may be to late. Survivors take action to save their situation. They don’t wait for things to happen, they anticipate and realize there is an extreme cost for procrastination.

I have been writing for nine years and I went back thru my posts and copied the links to all the ones I thought might help people. If something here helps you, pass it on. Sharing is Caring. The way things are looking, America is only going to survive if there are a lot of caring people. Back in the 80 to 82 recession I was working my way thru college tending bar. Several farmers around where I live found some of their cows butchered on the side of the road. In other cases homes were broken into and their food stolen while they were gone. This recession/depression may be much worse than that one was back then.

Things covered in this post include bankruptcy. Been there, done that. Living in a car, and finding a home for nothing down, Been there, done that.  Buying property at tax sales and getting money when you don't have a job of source of income. Starting your own business and dealing with banks. Some of the do's and don'ts.

Hope something here helps someone.

#1 Money Basics, Eating out for 4, for less than $10

https://rictheturtleryan.blogspot.com/2013/02/budgeting-basics-eating-out-for-4-for.html

#2 Organizing Yourself to Survive Hard Times

https://rictheturtleryan.blogspot.com/2011/03/marshalling-your-resourses-for-fight.html

#3 Finding a Home, When You Don’t Have a Job

https://rictheturtleryan.blogspot.com/2011/03/stopping-bleeding.html

#4 Business, Banks and Survival, Lessons Learned The Hard Way

https://rictheturtleryan.blogspot.com/2011/04/business-banks-and-bankruptcy-from-my.html

#5 Alternative Ways to find a House.

https://rictheturtleryan.blogspot.com/2011/04/finding-house-working-smarter-not.html

#6 Business, Banks and Bankruptcy

https://rictheturtleryan.blogspot.com/2011/04/business-banks-and-bankruptcy-from-my.html

#7 Other ways to find a house.

https://rictheturtleryan.blogspot.com/2011/03/stopping-bleeding.html

#8 Dealing with Taxes and the IRS

https://rictheturtleryan.blogspot.com/2011/04/businesspricing-dealing-with-taxes-and.html

#9 Live One Month a Year Free. (This will take some sacrifice, but it is worth it.)

https://rictheturtleryan.blogspot.com/2011/09/live-one-month-year-for-free.html

#10 Getting Financial Security by Spending Your Money Wisely

https://rictheturtleryan.blogspot.com/2011/09/spending-your-money-wisely.html

#11 Getting Financial Security by Starting Your Own Business (Not for Everybody)

https://rictheturtleryan.blogspot.com/2011/10/job-solutionscreating-your-own-success.html

#12 Great Idea, but Are You Self Employable

https://rictheturtleryan.blogspot.com/2011/10/great-ideabut-are-you-self-employable

#13 Investing for Retirement versus Reality

https://rictheturtleryan.blogspot.com/2011/10/investing-for-retirement-versus-reality.html

#14 Time for a new Game Plan for America

https://rictheturtleryan.blogspot.com/2011/10/time-for-new-game-plan-that-creates.html

#15 Getting Your Loan

https://rictheturtleryan.blogspot.com/2011/10/getting-your-loan.html

#16 Cost of Driving, How to save a bundle

https://rictheturtleryan.blogspot.com/2011/10/cost-of-driving-see-chart-below-it.html

#17 Money, Do you work for it, or does it work for you

https://rictheturtleryan.blogspot.com/2012/01/money-do-you-work-for-it-or-does-it.html

#18 MONEY, Learning to make it work for you, Killing the Debt Beast

https://rictheturtleryan.blogspot.com/2012/01/money-learning-to-make-it-work-for-you.html

#19 Money, Are you underwater on debt, when is it time to bail out.

https://rictheturtleryan.blogspot.com/2012/01/money-when-you-are-underwater-on-debt.html

#20 MONEY, Starting over with a direction and a plan.

https://rictheturtleryan.blogspot.com/2012/01/money-starting-over-with-direction-and.html

#21 The Secret to Getting is Learning to Give.

https://rictheturtleryan.blogspot.com/2012/01/money-secret-of-getting-is-learning-to.html

#22 Dump the Gas Hog and get a new car free.

https://rictheturtleryan.blogspot.com/2012/01/money-dump-gas-hog-and-get-new-car-free.html

#23 How you get the free new car.

https://rictheturtleryan.blogspot.com/2012/01/money-how-you-get-free-car.html

#24 How I went from $150,000 to nothing in a heartbeat, and back

https://rictheturtleryan.blogspot.com/2012/02/moneyhow-i-went-from-150000-to-nothing.html

#25 From Trash to Treasures, with Pictures

https://rictheturtleryan.blogspot.com/2012/02/from-trash-to-treasures-with-pictures.html

#26 Eating the Bear

https://rictheturtleryan.blogspot.com/2012/04/eating-and-bear.html

#27 MONEY, Who Turned Off the Flow and How to Turn it Back On

https://rictheturtleryan.blogspot.com/2012/05/money-who-turned-off-flow-how-to-turn.html

#28 MONEY, Victory over $tuffiti$, (How to get money when you have little to none)

https://rictheturtleryan.blogspot.com/2012/06/money-victory-over-stuffitis.html

#29Living Money vs Working Money (How to make it work for you)

https://rictheturtleryan.blogspot.com/2012/06/moneyliving-money-working-money.html

#30 Real Estate.. Rentals vs Storage

https://rictheturtleryan.blogspot.com/2012/12/moneyreal-estaterentals-versus-storage.html

Fixing the Economy, T-Rump and the Republi-can'ts Absurd and Insanely Weak Argument

     T-Rump and the Republi-can'ts Absurd and Insanely Weak Reasoning on refusing to spend more than a trillion dollars to fix the ecomomy. With a Federal Debt of over 24 Trillion dollars, does anyone think they have any clue of how to fix the problem. In the last 11 1/2 years they have done nothing but fight to undo anything that has been done. They have not fixed the immigration problem, the healthcare problem the infrastructure problem, just to name a few things.

     Their last great magic act was to increase the national debt by 5 1/2  trillion dollars to give tax breaks to the wealthy and big business. How can a bill that increases the national debt by that much be considered a tax cut.  It is totally absurd.

     I don't know who created the magic number of $600 in unemployment compensation, but I did figure out how they arrived at that number. Six hundred divided by forty hours equals $15 an hour. A minimum wage that does not in reality exist. I personally see it as an attempt to buy votes in the coming election.

    They do not need to increase temporary benefits that they can not sustain.  They need to create a job program tied to repairing the infrastructure that will create jobs and revenue in the form of taxes on the wages earned from it. The links I give later share several ways to solve the problems facing America.

     With forty million Americans unemployed, that is forty million non taxpaying workers that are going to need to eat. They better start building soup kitchens and figure how they are going to feed all the hungry unemployed. By election time if something is not done, America may find itself in the middle of a revolution. T-Rumps actions are stirring the discontent.  

    I spent all my electives and free time in college studying the Great Depression and what caused it. All my life growing up I listened to stories from my parents, grandparents and aunts and uncles telling me of the hardships of the Great Depression. My goal in studying the Great Depression was to understand what actually made it happen. My conclusion was that it was a lot of misplaced and misguided decisions that were often too little, and too late.

    The enclosed link takes you to my party platform with solutions on how to fix our broken two party system. It gives possible and workable solutions.

https://rictheturtleryan.blogspot.com/2018/01/how-to-fix-america.html

      The solutions in this post could fix some of the problems facing America. One of them is already being used because of the situation with COVID. Home schooling may be a long term solution, it was offered as an idea almost nine years ago. As we head into the abyss of a 2nd Great Depression these solutions while hard, may be the only alternative.  The first Depression was caused when Hoover refused to acknowledge there was a problem, until it was to late. He was a Republi-can't and T-Rump is following in his footsteps. The sadest part of writing this for me is that I have always been a lifelong Republican. The last main stream candidate I voted for was Ronald Reagan in his first term, every since then I have actually voted independent, because I could not live with either of the party choices for President.

 https://rictheturtleryan.blogspot.com/2011/04/national-debt-what-ifs-and-seven.html

 

Time to Amend the 2nd Amendment

       It is time to fix the shooting and gun problem in America. When the Constitution was written it was not perfect and there have been a number of Amendments to fix the problems in the Constitution. In fact there have been Amendments that created problems worse than the problem they were passed to protect Americans from. Prohibition is the perfect example. It took an Amendment to create it. When the chaos it created proved worse than the problem it was supposed to fix they passed another Amendment to repeal it. 

     America did not become a nation of drunks. Many will argue with me but I will argue that the 18th Amendment is part of what caused the Great Depression because of all the businesses that it put out of business. The loss of income finally reached its peak when the markets collapsed.

     Amendments have been used to end slavery, give the right to vote and then give the right to women to vote. It is not a perfect system. The 2nd Amendment is revered as one of the original guaranteed rights. It should never be abolished, but it should be modified to solve problems that the Founding Fathers could never have envisioned when they originally wrote the Constitution.

    The attack on the NRA tells me that we need to pass an amendment that lines out that our Constitutional rights to guns may not be taken away. You can have your AR-15 and fill the air with lead, but I will take my bolt action 50 caliber sniper rifle and make every round count. Read the link at the end of this post and see what the difference is between Constitutional guns and Recreational guns.

    The Amendment I am proposing does not fix all the problems, but it is a big step and I include a couple laws that need to become Federal Laws. They should make the crime of indiscriminate murder of Americans so high that it is a capital offense. 

    The following link will take you to a post on my blog that lays out how and why the Amendment should work. https://rictheturtleryan.blogspot.com/2018/02/solving-shooting-problem-in-america.html