If You Don’t Like It, You Can…

What?

What can you do?

Is that the question you ask yourself, those around you? Or, are you the problem solver, the one with the answers? For me, it goes both ways, depends usually. I am not one that is easily flustered (well according to me). I have learned that some fights are better off avoided and not to “sweat the small stuff.”

However, if you live in the real world like most of us do, many things are pretty unavoidable as much as it takes air to breathe and water to live. Life is far from simple and what should be simple is often made more complicated by someone, even we ourselves by trying to make it more fun, organized and in some way hoping to get the most of our time with the least amount of effort. In the long run, it usually ends up quite the opposite. We seem to always be in need of more time, relaxation and “wind down”. But, what has everyone so wound up?

Do we not have enough time in the day, not enough days in the weekend? Is it too little family time? Is it too little money? Are we faced with too many bills? Is work too hard or too stressful? Is it traffic jams? Is it our healthcare we just heard our government fight over for what seemed like 10 years? Is it guilt? What exactly could it be?

I think it is each of the things I mentioned above but all stemming from one thing. Choice or the lack of. What do I mean by that? Well, I think we have lost a lot of our ability to be in control of our own lives. In many ways I think we have so many choices to make at times, it is just overwhelming. At other times, the choices are taken away from us and basically it is that we take what we are “offered” or we lose our “choice”.

As time has gone on, jobs have changed to grow with the times, That means our job structure, the number of positions and our job security has changed. More time is required to do different things even if you are with the same company. Throughout our government, economy and our population it has always been accepted that “time is money” but that is growing truer as time marches on. Employees are becoming more replaceable to their employer due to the fact employers can hire a new employee at a lower pay rate and gain newer ideas, fresh outlook and again do the same thing at a later date. Many times as well an employer has done away with retirement savings and healthcare plans to save money for the business and the employee has been the one to lose out. Both can see it from their side and explain why one side makes more sense than the other but what a person works for and earns should be theirs to keep is the way I see it. It is basically a promise made to them and held in safe keeping by the employer. It shouldn’t be something that is held above their head like a piece of meat that can be stripped away at the first, second or third sign of trouble. But, what can an employee do? If it is not physically in their hand, signed in a contract, already in a bank account in their name, what can they do? They can’t do anything. It is a case of broken trust basically. It is a case of losing out what is rightfully yours, something you worked for. I mean you have done your job, earned that time and now it is gone. For some, they were just 5 years or so away from retirement and then it is gone. Their retirement, their healthcare and in a lot of cases their job too. If they don’t like it, what could they do? Join everyone else that didn’t like it. Join everyone else that had worked so hard as well. Life dishes out unfairness a lot. People dish out unfairness a lot. Often it is done in the name of “survival” to save a business or to fix a broken economy. What about everyone who is being dumped on? They have no choice in the matter. Their choice is on the Pink Slip.

Do you remember the Credit Card Accountability, Responsibility, and Disclosure Act of 2009? The law that was designed to protect credit card holders from jacked up interest rates, sudden change in requiring enormous minimum payments and cutting credit lines from one amount down to less than half or even a third or less. Remember also where the banks suddenly required minimum payments of nearly a third of the balance or half the balance? In some cases a person may have had a minimum payment of say $45 and suddenly been required to pay $300 or more? The banks were getting government bailouts and ripping off their customers. Well, they are still out to get the customers. The banks and credit card companies have plenty of tricks up their sleeves and without being prepared, you can get caught in the middle. Well, there really isn’t a middle. There isn’t much you can do if you get caught so you just have to stay ahead of the game. What else can you do?

These are a few tips found in a Reader’s Digest Article in March 2010. “Credit Card Tricks and Traps

*The Catch: After 12 months, banks can raise rates as high as they want on future purchases as long as they give 45 days’ notice.

*The Tip: Watch your interest rates closely

Some companies are sending out bills in plain envelopes,” says Lewis Mandell, a professor of finance and business economics at the University of Washington. Don’t mistake it for junk mail and throw it out. Remember: After 45 days, the new rate takes effect unless you have notified the bank that you choose not to accept it.

That is just one of the examples of what you will find in the article linked above. Click on the article to learn more. It is a very worthwhile read to pass on as well. This is just one example of ways choices are being taken away. You can chose which credit card you pick by looking at their introductory offers and what they reel you in with but I think most people that have followed our economy and the news over the last few years can truly see what can happen and how much is really out of our control unless we take the time to keep a solid eye on matters each day and keep up with the financial news. Even then, most of us have learned that the banks and financial institutions should not be trusted with our money so many have cleaned up their financial matters and had a quick economical education recently. I mean, if you don’t like it, the banks basically said shove off! They were out to save themselves, not the customer.

Do you ever see the homeless people on the side of the street? If your answer is “No”, where do you live? I have seen them anywhere I have ever lived. In some places more than others and at different times of the year, there seems to be less than at other times. These days, there is more. I have to admit when I was younger I didn’t understand how a person could be homeless. It wasn’t that my family was wealthy but I just didn’t understand how a person didn’t have family member that they could live with. As I grew older, I began to understand. I realized in my teen years that a lot of homeless people in our area were Veterans and that was another thing I didn’t understand. If people fought for our country, why were they homeless? How could that be possible! What was wrong with our Country? My eyes were really getting opened. In my 20’s my husband became a U.S. Veteran and that really affected me even more than I imagined it would. Seeing these homeless Veterans and hearing people insult the fact they were there was unacceptable. What upsets me the most is the fact people don’t know the circumstances behind what brings people to a certain place at a particular time in their life. Was it a choice or a circumstance beyond their control? I genuinely doubt the homeless people I see on the street woke up one day in their bed, at home and had a big breakfast and said, “I think I want to give up my job, my house, my family and go live on the street. That is my CHOICE.”

“The true measure of a man is how he treats someone who can do him absolutely no good.” Samuel Johnson

I am not saying we should pay people to live on the street but I don’t think we should be going around judging people not knowing what put them there just like we wouldn’t want someone judging us if we look tired and not so put together one day. What if they went around saying, “She must have been out one of her drinking rampages again last night. I hear she does that all time.” Really? Do we have the right to go around making statements and judging people when we don’t know them? Do we have a right to judge people even if we do? Some of my past blogs have been about judging others for reasons beyond their control or things that show a complete lack of intolerance and to be completely up front, this is something that really gets under my skin. But, this is also one of those character traits that is the most difficult to change about people. The title of this blog, “If you don’t like it, you can…” is basically how I think a lot of people are running their lives. I think big businesses are running their companies to the ground, their employees are becoming less and less important to them and the numbers are more and more the focus.

I think overall our government seems to have become less tied to the people because of so many ties and demands on our government. What do I mean by that? Well, to make this simple and due to the fact I intend to continue this in another blog to follow, the U.S. Government has business in every country in some way. There isn’t a day that goes by in which this isn’t true. Americans are spread all over the world and citizens from every nation are here in the U.S. We are so intertwined with our world this is something that is not only possible but an absolute necessity. Our U.S. President cannot have the attitude to walk away from other nations or snub another nation but instead must be willing to negotiate although at all times, keeping our security and economy safe and secure and a number one priority. Our Country cannot have the attitude of, “If you don’t like it, you can…” when it comes to our diplomatic relations or when it comes to having relations with one another. It hasn’t been working and it will only continue to work against us if we have that attitude. As a Nation that doesn’t work, as a citizen that doesn’t work and as a person that doesn’t work.

You may say you don’t like our President or you don’t like our current administration or how the War is going. That is your choice to not agree with something. Elections are also a time for choosing. The outcome of our presidential elections, show America’s choice and ultimately either way we work with that choice for the next four years. As Americans, we should never try to tear down our Government. By doing so, that is tearing down us. Since earlier wars, there have always been people against the wars this country has fought and I can’t think of many people that would be happy to have our soldiers in harm’s way. Personally, I agree things have definitely dragged on but I chose to support our troops. There is a difference between supporting our troops and supporting a war. I am not the person that has a choice whether or not our war efforts should continue but I do know our men and women in the military deserve my continued support and admiration. I have a choice here and that is what I choose to do. I can be up front about where I stand and I won’t send out a mixed or a false message on what I don’t understand.

You see, in many ways a lot of our choices have been slowly voided. They haven’t so much been yanked away but they just aren’t there in the open anymore. They are being made for us or they just happen to be made “by default” these days. Sometimes they are sent to us but they are done in a way that we don’t notice and the company is able to say we ignored our chance to claim making a choice (like the credit card company mentioned above).

But, we do have many decisions we are responsible for making, many choices each day. Do we notice them? Are we taking them lightly when they really could have a big impact on our life or someone else’s?

Look at the statement this way:

If you don’t like it, you can CHANGE IT.

“What you will be tomorrow depends on the choices you make today.” ODB

One thought on “If You Don’t Like It, You Can…

  1. Immigration lawyer

    I have not checked in here for some time because I thought it was getting boring, but the last several posts are good quality so I guess I’ll add you back to my daily bloglist. You deserve it my friend 🙂

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