Comments by "Janis Williams" (@janiswilliams2766) on "Glorious Life On Wheels" channel.

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  4. ⁠ @gloriouslifeonwheels3621 there’s only one party who is persisting in racial hatred and who implement policies that perpetuate structural racism that negatively affects black and brown people. There’s also only one party that yanked the border bill at the last minute that would have assisted in curbing illegal immigration issues providing much more money to hiring more border enforcing personnel. Only one party thought it was clever to build a rusting wall and get Mexico to pay for it and essentially did nothing but get in the way of progress that cost us billions. There’s only only one party that marginalizes the poor, black, brown or white by tempting people to believe in trickle down economics and continues to give tax cuts to the rich —- so those people earning lower incomes in the service of others, or screwed up in financial planning or continue to make terrible financial decisions only one party promotes you picking yourself up by your bootstraps. Only one party raided over a trillion dollars out of the social security trust fund to fund a war trying to avenge his fathers presidency and didn’t put the money back into the trust fund. Only one party put together the Project 2025 administrative plan. Only one party has had to come in and spend time in their term to clean up the financial nightmare and messes from prior administrations for the last 35 years instead of working on their own agenda for the betterment of the middle and working class. If people want to direct their anger somewhere first they should do some self reflection and not blame everything negative about their lives on someone else and then go get pissed off and start boycotting the businesses that hire undocumented immigrants. You can start with the California agricultural businesses or you can do meat processing plants in other parts of the country… lots of places where people can go and demonstrate their frustration that they don’t want these businesses hiring ‘illegals’. There’s ‘illegals’ working in car washes, restaraunts, hotels, etc. Some people can go and park themselves in front of Mara Lago as there has been several ‘illegals’ working there. Immigrants come here to work, don’t like that .. then go deal with the businesses who hire them. Go boycott the businesses like target and Walmart that buy meat and food products from businesses that hire ‘illegals.’
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  42.  @DearestDawn first I grew up struggling working class, there were no frills in our household. From the age of 16 I’ve never not worked even through college. The Bush economic disaster in my 40s was a very eye opening experience for me and a reminder for me, from my father that this country will never do anything for me. I built back my savings that I lost under the Bush admin (2006-2008) by increasing my savings amount from saving 12% every month to 20% and then over a number of years eventually to 25-27%. I never saw that money it was taken directly out of my paycheck and directly went to my savings. Every time I got any increase in money, raises for example, or if there were no raises COLAS, I put all but 1- 1.5% of it in savings, when there were no increases I still put in an extra .5% - in short earning less money than I was making for several years. So in other words I kept my same lifestyle despite making more money. I drove the same car (Toyota Camry) for 23 years. There were periods where I also took on an additional part time job to buy a new car, or pay for a vacation etc. in the early 90s I worked 3 jobs for several years to build up enough of a down payment for a condo. Under Obama the financial market finally stabilized and started getting soo much better. Building back all the losses I had in 2008. I saved A LOT of money during Covid because we were in lockdown. Gas was lower because the market was flooded with fuel no one was driving, flying, cruising. Whatever frivolous shopping I did (Shepora, manicures, crafts, going to movies whatever) I didn’t spend any money. I couldn’t go out and eat, which saved a ton of money. I didn’t do door dash or any food delivery service so I didn’t have those kinds of costs. So when things started to get going again Post Covid when people were using way more gas, traveling, causing shortages because production needed to be amped up, bird flue affecting the cost of chicken and eggs, production slow downs in other countries (took them longer to recover than us) affecting the cost of imports/goods here etc. The stuff that caused inflation affected me but I wasn’t devastated because I maintained the lifestyle I had during Covid. I didn’t go back to frivolous shopping, I ate at home more, friends hung out at friends homes and cooked and didn’t spend money on eating out going to shows etc. CD % rates because of inflation were relatively good during these last years of Biden, not as good as I remember them when I was a kid but the rates are really good for our times. I took a portion of my savings and locked them into 5% for 2,3,4 and five years, laddering my accounts so that if I need it I’ll have money accessible once every year. Also, because of the economic stability and improvement over the last couple of years under Biden my IRA did better as well as if not better than it did under Obama. For the most part I expect that the interest rates will continue to go down or at least stabilize and the market will stay sane as long as trump doesn’t do stupid stuff. If he implements tariffs, keep cutting tax rates more than he already did for the top 1% and big businesses, and actually deports all the millions of people he’s talking about the economy will again be in a perfect to crash and likely crash worse than it did under Bush. And that effects everything. For those who need charity related services, food assistance etc .. people and corporations who typically donate will not have the money to donate towards those services and everything will cost more for what those charities have to purchase. So, for the potentially dark days ahead and my personal opinion is that there will be. I’m back to saving every piece of change again and looking at where I can possibly cut back (example a couple of years ago I talked a friend into going in a $30/mo inc taxes and fees cell phone plan, no longer offered). For cable I call every 6 months for rates, I call my bank and ask for them to lower my interest rate, but I usually pay my credit card every month. In the event I don’t or can’t I want my interest rate as low as possible. Until Covid I was able to keep my main card between 5 and 7 percent for 20 years. During the inflation with Covid it increased but every time the feds decreased the rate I call my bank. I’m now at 9.97%. Since the feds just dropped the rate again this week, I’ll be calling my bank again. I don’t qualify for discounts on utilities etc but when my father was alive when he became older and didn’t want to deal with that kind of stuff I was calling his cable company, phone company, bank card etc to get better rates. He was able to save money during Covid because the PPp money for businesses kept food service businesses open during Covid (to keep people working and earning money) but the food, primarily through small family restaurants was delivered to seniors. It was all free for them. He was able to save a lot of money from that time because he couldn’t go anywhere either. You have to know your resources and know how they work. I will finally add that I live in a very blue area of a blue state so there is really an effort to help those who are less able to help themselves. The environment where I live also doesn’t have a seething hate about others, so people are not inclined to screw themselves because they think someone else is getting something they aren’t.
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