Harvest of Daily Life | our economy
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our economy

How much do you pay to banks each month? Take a closer look!

I am curious, do you know the exactly how much money you are paying in interest and bank fees each month? I ask because recently I've been particularly worried about this one credit card account I have. It was literally the first card I got when I decided to try reestablishing myself credit wise. This means I had to pay an annual fee for the card and a pretty high interest rate. It was something I felt was necessary though since nobody would extend credit to me otherwise. Well just the other day I got a notice from that credit card company about how the account terms are being changed. The annual fee is going up and so is the interest rate, big time. It's been five years since I accepted that car...

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Yep, we are moving AGAIN… Shoot me now!

Did you watch Obama's thing last night? I did because N and I are all opinionated about the government and we've been looking real hard at the governments ideas to help the housing market. We've officially come out of our state of delusion and are actively looking for a new home that we want to be in BEFORE Tater Tot arrives (it is our perfect world goal but we'll move after the baby comes if we really have to). Unfortunately this is dependent on several other things like getting out of our current lease...

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Home buying fun in Evansville, IN- sellers are still greedy even when screwed!

Remember all the times I have talked about trying to buy a home on this blog? Well we are still living the first time home buyer saga. Over the weekend we looked at a place here that was a possible option for us, we met a Realtor that was overly eager to make her money and we once again have home buying on the brain. The main reason we are looking to buy is because of the economic state, it is a buyers market for sure. Houses on the market are in abundance, home prices are falling and lots of people are desperately needing to sell the homes they can no longer afford. Plus with President Obama it is likely we'll see some type of housing market stimulus attempt, you know to...

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The Celebrity Ads, what are your thoughts?

It seems everyone but Britney Spears has responded to McCain's petty celebrity ad! When Paris Hilton responded it was funny but now that Obama has responded I am not sure what I think. I mean there are too many other important issues to focus on right now and all we can dwell on is the celebrity ads. I have already made up my mind about the candidates but isn't this petty stuff just ridiculous? What are your thoughts on it all? Here are the videos in case you missed them, though I doubt you did. See Paris Hilton Responds to McCain Ad and more funny videos on FunnyOrDie.comSee more funny videos at Funny or Die ...

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So much chaos and uncertainty in the USA right now *sigh*

I have been following the news of the massive flooding occurring in the Midwest right now since Indiana is a place we may be relocating to. Many people are displaced and have had their homes ravaged by the flooding and storms. Wisconsin, Indiana and Iowa are in a state of emergency as a result of the flooding and the video footage is just heartbreaking to see, houses are just being swept away by raging waters. In the east people are experiencing a heat wave as temperatures reach triple digits and earthquakes are devastating many in places such as Nevada, California and Greece. I was left thinking "Holy cow, what is going on with the weather" after learning of all the chaos. Add the weather stress to the economic stress of fast...

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Income inequality and how it impacts life in the USA.

I have got to admit, I envy those of you living outside the US sometimes. Today I am just not loving our consumer driven corporate America. There are just too many greedy people out there looking to use one another to get ahead in life, this leaves the rest of us going without and struggling. Do any of you ever stop to think of the massive divide between incomes these days? Many are making millions annually and I even read that "the United States has one of the highest levels of income inequality". I don't doubt it for one second! (want to see it on a graph?) I was just wondering how many Americans earn at least a 6 figure income and how that would compare to the rest of the population....

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Being a renter in Arizona kind of sucks!

Well, this was going to be an auto post for tomorrow since we are heading down to my moms house but I am just raging mad right now and have to share this shit with you guys! Yesterday I mentioned that our landlord informed us that the home we are renting was being put on the market and that we would need to show the house to potential buyers, this is not good news to us! We looked over our lease and had a family member and real estate expert, Jerry, look over the lease. Nowhere in the lease does it say that we are obligated to show the home to potential buyers and agents (like it did in the previous lease we signed for another home) but it does state the...

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When life gives you lemons…

... smash them into a sorry pulp, take some photos and blog about it. Things are crazy right now (that is quite the understatement)... Our living situation saga just keeps getting more and more interesting as the days pass. Back on January 15th 2008 I wrote "You broke your toe? Want to buy a house?" where I shared with my readers the interesting letter we received from the owners of the home we are renting. They were expressing their "urgency" and wanted to work with us to make our ownership of their house possible. Back in August when we agreed to rent this house on a month to month basis my man was negotiating his contract at work. His contract stipulates pay over an agreed amount of time and a bunch...

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Credit and how they are screwing you.

I saw a documentary last night that I highly recommend every American sees, it is called Maxed out. The movie basically illustrates how much of a struggle it is to get out of debt and it’s also illustrates how lucrative debt and debt collection is for creditors and collectors. This movie made me very, very angry because it shows how eager top lenders and collectors are to make a buck by ruining your credit and possibly your life. Creditors want to give you credit when you need it most because they know they can make money off of you. When money is tight it’s easy to think that credit cards will save the day and often times people don’t pay attention to the deadly fine print. Creditors know you are desperate...

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Can Washington prevent a recession?

N came home for dinner last night and told me about the announced plan to offer "tax-rebate checks of at least 300 dollars per taxpayer, with some seeking as much as 800 dollars per person or 1,600 dollars per household". They think giving people money to encourage them to spend more will fix all the issues in the economy? Can you believe that? Most experts say that recession is unavoidable and that the announced plan is not going to be "the cure all ". You can listen to the audio segment and read the blurb about it here. One of the major problems with the economy now is the huge overstock in housing. Sellers are asking high prices that most buyers can't afford and if they can afford to buy getting a...

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The economy and house prices….

Well, today the owners of the place we are renting made us another offer.. You see when we first agreed to rent this place we were in the middle of contract negotiations and we were interested in buying a home but were not finding anything at the right price. We agreed to rent on a month to month basis while they still listed the house as for sale. Since August the house has been for sale, we have been showing the house as interested people come along but for the last 2 months nobody has been interested in seeing the house. Also, since we began renting the selling price of the house has been dropped about $50,000.. Yep our rented 2 bedroom 2 bath home in Flagstaff, AZ was initially listed...

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