Social Security and the BAILOUT?

Will the government bailout hurt Social Security? This is such a worry for me and I am sure for all of us. I heard today that seniors will be hurt the most by the loss of value in the market. Youngsters will have more time to recover and plan new ways to save.

Keep in mind form 521 of Social Security if you need to reapply in order to get larger payouts. I may do this in the near future before the 521 plan goes away.

The new administration may make some changes to Social Security and the puzzle is to know what to do before the changes occur.

These days are truly annoying for those of us who saved and planned for retirement. Social Security is the one hope we have relied on for the future.

eBay Link!

Well thanks to my sister Joan, I have found a way to link my eBay listings with my blogs!

I am happy because then there may be more hits on my listings and sales will pick up!

EBay works and I will do this effort the rest of my life.

EBay levels the selling field. If you act with a great deal of respect for each buyer, business will be a success.

See the my listings on eBay tab. A click on it brings you to my about me page in eBay.

I am a small business

I am one of the new small businesses that are trying to make a go in the bad economic times.

The Internet is my only touch with the rest of the world. I am happy that I have eBay on which to sell products from wholesalers. I use them as drop shippers. I pick a product and put it on eBay. I have no product in my house. When I sell an item, I get paid and then order the item from my drop shipper. They send the product out to my customer.

This is a nice way to do business without owning inventory or a brick and mortar store.

With the slow economy, it takes longer to sell an item. This is of course not as important to me since my overhead does not change.

With the holiday season coming up, I offer music instruments at a very low margin. I am currently repricing my instruments and including free shipping. Then the true cost to the customer is obvious to them.

I carry a great selection of guitars both electric and acoustic on eBay.

I also offer a FREE website at http://www.gotogails.com/new371934.html These web sites are great for starting a business, giving as gifts or using for personal fun.

Retirement Woes

Finally retired and the economy goes bad. When you plan for years how to enjoy the Autumn to Winter part of life, this economy is a low blow.

I am not pleased with Bush. I am not the core 27% who love him. This is a huge mess but we must rescue the bad mortgage bundles and save the country.

I sure hope that the oversight on this deal is strong and firm.

I can not believe that it has come to this over night. I am sure that these Bush folks were aware of this for a while and waited to make the bail out the only possible out come.

Social Security

The economy has erased more of my retirement savings. At the rate things are going, I am not sure how all of the planning that I have done for 40 years will work.

I want to remind everyone about the form 521 of the Social Security program.

In the end Social Security may be all that is left of a retirement plan. I am not sure that we should give the government all of that money without regulations.

Social Security must be saved. Vote November 4.

Education Suggestion "The Computer Edge"

Education Suggestion “The Computer Edge”

When you look at a college classroom, every student has a laptop computer with him or her. By the time a student gets to college, they have become computer literate.

How about in high school? Not every family has a home computer. Just look at the number of public computers at libraries or chat rooms. Most high schools have some computer classes and some computers for students to use.

In most grade schools, computer use depends upon a family’s ability to supply one at home. Watching children use a computer as though it is no big deal is amazing to generations that are still having computer issues.

A head start education program needs to include computer education. The world today lives on the Internet. The edge a computer gives a child is hard to measure. The gap between the haves using a computer and the have nots no computer use can only grow.

The education suggestion is to give the computer edge to the children in a head start program. This would not be difficult by using one of the most generous men in our history. Bill Gates and his wife have a foundation with money to spend. Also, Eli Broad and his wife have a foundation for education. Other foundations could also be solicited.

Bill Gates could design the computer. Several things need to be included to make this work.

1. Make the laptop steal proof

2.Use a fingerprint or such the only way to open the computer

3.Make the laptop color distinctive-red, white and blue

4.Mark the laptop-Do not steal no resale value

5. Have a special Internet access with only one channel-i.e. .cft computers for tots,
We have toys for tots and coats for tots, now we can have computers for tots.

6. All of the programs will be educational and games that encourage learning

7. To get a .cft a website address will have to pass a screening test

8. Have screens on all .cft sites for known bad words etc.

9. Put a GPS in the computer as it is made

10.Make the system easy to use

This is idea is out side of the box that everyone talks about but cannot seem to propose.

Computers for Tots it will work.

Computers for Tots will level the playing field.

Holiday Presents-Free Personal Websites!

The pressure is on for the holidays are only three months away. While trying to save money and still come up with a great present, I am giving my children their own free personal website!

My friend told me how to get a free website for personal use. I did and it works. Blogs are fun but the website allows an even wider opportunity for growth. I collect all my email addresses and send out information to every one at once. I also show case my talent for ink paintings of pets.

So I am giving the kids free personal websites. I use http://www.gotoerins.com/new370510.html for the websites. It is easy to use.

I gave my sister a personal website for her birthday and she uses it to sell home made folk dolls.

I hope to have a happy holiday by creating the personal web sites for my children!

Election Day 60 days away

The older I get, the longer elections take. All of the wasted money spent trying to win a vote should be spent on the economy. More folks are currently out of work than in the last 6 years.

Change could happen in the way elections are run.

I think there should be one primary day, in August. Then 3 debates in September and October and then the election in November. Most folks only need a few days to make up their minds.

Change, change and change. That is what I want for this system.

Change the times, change the dates and change the leaders.

This year change will happen one of two ways. I vote for change with a younger man and older man. The thought of the old man and the young woman is scary. McCain does not have perfect health. That young lady leading the government is difficult to understand. In 10 years with more experience she may be better than sliced bread. But not now.

Election 2008

Retirement savings are on the top of my mind as this election gets closer. At this point in my life, all of my retirement plans began in the late 60's and early 70's. I counted on a retirement from my company. Then changes became the rule and company retirement plans no longer the main focus of my savings.

IRA's and 401 K's are now the rule. The problem is that with rising gas and grocery prices, the inflation is eating into the comfort on which I had planned. As I draw social security, the funds do not cover my expenses.

I have started back to work from home. Now I use the Internet to supplement my income. My web based business are the way of the future.

I have a free website for personal use. Go to: http://www.gotogails.com/new371934.html for a free personal website. If I can do this, then you can too!

Then I set up a free business website. This is just the start of my Internet business.

The reason that I blog about this to seniors is the future looks glum. The election of 2008 needs change. I feel that change can only help me. More of the same and I am not sure how my new business will do.

I need the Internet to earn enough money to avoid working as a greeter at Wallmart. Every time I see my fellow seniors working there, I want to scream. There is nothing the matter with work. I was union for 35 years. It's just working for minimum wage for seniors kills me.

If only one person gets a free website from: http://www.gotogails.com/new371934.html then I will be happier.