6574 North State Road 7 #137 Coconut Creek, FL 33073
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25 Mar 2020

Automotive industry during covid-19 in the United States.

This post today is very different. Today it is personal. This is the correspondence between me and a local television reporter over this past weekend. I think you’ll find it interesting. Corporate greed at the cost of human safety reigns supreme and IMHO our elected officials continually stuff their pockets with corporate money to look the other way…You decide!

Dear xxxxxxxx

As a 44 year resident of this state and the  area I have always felt as though all the local television reporters were old friends. You guys are in my home every day and always instill a calm and steadying influence on me and my family during the toughest times. I go way back with WPLG. Back to the Gxxx Rixxxxx, Axx Bxxxxx and Wxxx Cxxxxxx days. Back in 2001 a new test came out and I suppose out of curiosity Dxxxxx Lxxxxxxxxx tried it and reported on it. It was a Calcium Heart Score test and it was because of Dxxxxx that I decided to try it too. I found my experience at this facility, which was using a fledgling technology to be considerably less pleasant then Dxxxxx`s I wrote to him about it, and to my complete surprise I answered my phone about a week later and heard that deep resonating voice that I knew so well on the other end. He was kind enough to look into my story and backtrack a bit on the story that he reported. I was also lucky enough to do some work about 20 years ago to help raise money for Dxxxx Mxxxxx`s, Mxxxxxx force. I only mention these interactions to emphasize the point that I genuinely believe that Channel xx cares.

I just finished reading the article you penned with Lxxxx Axxxxxx regarding manditory closures in our area. I want to digress for a moment and tell you that my son is a manager at a local Auto Nation Dealership. I’m writing to you instead of him, because this email would cost him his job and Auto Nation Pays their managers well. The managers and sales personnel at all of these stores are being put in grave danger by our (local?) Government. During the last week I have been hoping that a publically traded Company like Auto Nation would do the right thing and lock their doors when the governor was asking businesses to close. That never happened. When I read that manditory closings would be instituted, I was confident that an auto dealership wouldn’t be considered an essential business. After reading your article I was completely blown away. How in Gods name can the moron who decreed that the sales centers that are adjacent to every dealership’s showroom are one and the same with the dealer? Of course I am aware that service and sales are owned by the same company and that ARGUABLY mechanics are an essential fixture during a global pandemic. Although I don’t believe they are, who is this person who believes that car sales must go on? Obviously it’s a ranking government official who drafted this edict. My next question to you is why? Why are car dealerships staying open and facilitating the spread of this virus? When you take your car for service you pay in the service department. Someone made a mistake or is getting paid off big time. My son has told me that there have been rumors spreading in management that there have been two cases of the virus reported at the Mercedes of Miami, AutoNation Store. I don’t know if this is true but if it isn’t, it will be soon. The concept of big business screwing it’s employees is certainly not new. We all know that. I can tell you that every person in every AutoNation showroom including all managers are commission people, consequently AutoNation pays nothing to keep these showrooms open. I was hoping as a follow up to your article, and that given AutoNation’s home office is right here in Ft. Lauderdale you might follow up with a phone call or two and find out what’s going on there before someone actually dies.Thats usually the way it works. Someone has to die to get something done. I greatly appreciate you reading this. If you decide to do a quick follow up please don’t mention my name. My son and I share the same last name. It would be easy for him just to quit but he can’t. He and my daughter in law make really good money and own a beautiful home. The American Dream? He’s really caught in a catch 22, and so are the men and woman who work with him. Please get back with me if you possibly can.

Sxxxx Mxxxxx

PS. FWIW, I can tell you exactly how the governor could shut down all Native American gaming in the state in ten minutes . …IF HE REALLY WANTED TO. I really know the answer. Just another greed driven situation. I have no problem with casinos. I am an avid Poker Player. I just have a problem with what these giant petri dishes are doing to our communities and the people who live here right now.   FOLLOW UP TO THIS ARTICAL( The Governor closed all casino’s yesterday. )

AND SHE REPLIED

Hi Sxxxx,Thanks for the heads up….As it happens, I met an auto salesman picking up his dry cleaning Thursday, who seems torn between showing up for work as a responsible employee – and staying home in response to the common good.  I put a clip of that interview in my report that night. We are getting a lot of emails from people seeing nonessential businesses still open.We’re on it- Thanks, Gxxxxx 

AND I REPLIED

Hi Gxxxxx, I thought I’d do a little research…..food for thought…..more then ever our governor needs to answer this question. Why?…. in one of the articles I read their reasoning for wanting to stay open. I read that a prolonged closing of their dealerships would put them out of business. For God’s sake everybody’s out of business right now. What raises these automobile companies to deity status? Does money always supersede life?… This is the world we live in today. By the way, I wanted to tell you that I was looking for that piece you did where you put in a (blurb) about that automobile salesperson, and I tripped over that horrible story about that person who pointed a gun at you. My God what a horrible experience.  I could never begin to imagine how frightened you must have felt. So very glad you’re OK. Keep yourself safe. As a former New Yorker, and it’s been a long time, I learned early on to always have eyes in the back of my head. I’ll not bother you with this anymore I’ll let you do your job. Just take care and be safe. Sxxxx Mxxxxx

AND SHE REPLIED 

Thanks, Sxxxx – I’ll try to find some answers for you …

To all who are reading this here is the question. When does life and good health begin to take precedence over money. You have a huge greedy Corporation and elected officials who obviously are knuckling-under to the Auto Dealer lobby. Crisis really brings out the best in people. Yeah right!

So my final thoughts. Government sucks. Plain and simple. Our whole system is awful. The reason I posted those screenshots, and those are the shots that I sent to this reporter who incidentally is a lovely human being and ….through the years, every reporter I’ve had interaction with at this station has been just great. If you live in the south Florida area this is the station to watch and I’ll say it’s WPLG. I just redacted names, that’s all. We are in a crisis right now. People are scrambling to eat. These are dangerous times and they’re going to get worse before they get better. If you find yourself needing help with payday loans and you want to deal with payday loan consolidation companies that really know what they’re doing and care I might suggest that you try us. If you’re needing help with payday loans we should be your payday loan debt consolidation lifeline. Good payday loan consolidation help is very hard to find. We are a twenty-three-year-old company with an A+ rating with the BBB. We are old, established and most importantly we possess integrity. If you need help with your payday loans, just fill out the form at the top of our homepage or give our 800 number call. Just fill out the form at the top of our homepage or give our 800 number call.. I think we’re the best payday loan assistance company out there and we provide the best service when it comes to advance loan consolidation. We are proud of our track record and we care about our customers.

17 Mar 2020
consolidate payday loans

Locked in the house, try Payday Loan Consolidation

Locked in the house! What do we do with the family and the kids?

Yesterday, March 16th 2020 this surreal world just got a little stranger. The president and his staff came out with the 15-day plan to flatten the curve of the coronavirus. The key to it all is not to overwhelm our healthcare system. We don’t want what’s happening in Italy to happen in the United States. People are dying in Europe, and doctors are having to make incredibly difficult choices because they don’t have the equipment they need to help all their patients at once. Too many patients and not enough equipment. The administration was very positive yesterday expressing, that if we all do our job, by sticking to this 15-day plan, we can stave off many deaths and much suffering. So we’re here in the worst case scenario with the premise of the theme behind the Presidents strategy being to cut out as much social integration as possible. There’s a good chance that you’re out of work right now and voluntarily being confined to your home. Whether it be with the kids or not it can become a long, arduous and lonely ordeal. The way I look at it is, we’re almost donating 3 or 4 months of our lives so we can save them, and live for many years to come. For many, money is going to be tight. Bills need to be paid and more than likely they’ll be some sort of financial relief from the government over and above unemployment.

Following the regulations that are set forth by the government is something we all have to do together. It comes down to a choice. Given that we’re going to be staying home much of the time we can either be happy or sad. Watching the news all day is not good. Bad news is sad. I’d like to make some really good suggestions about how to spend this down time. Some of the things that I’m going to tell you you will find surprising.

NBC Universal which is the national broadcasting network’s movie division has decided that they’re going to release first-run films to stream at home. They’re going to charge us for it and I’ll get into that in the moment but it’s a bargain. Their reasons are not entirely altruistic. They have product and nowhere to exhibit it. Movie theaters are entirely closed in 32 or more markets overseas and partially closed in another 15 territories. Aside from the New York and Los Angeles where theaters have already gone dark, many states have ordered that there be no public gatherings of more than 10 people. Originally it was 50 and then reduced to 10. Ten people in a movie theater watching a first-run film doesn’t turn a profit. It doesn’t even make back the cost of making the film, nor does it put money in the theaters pockets.

The studios walk a thin line because of their partnership with the distributors and the theaters that show their films. Given that the theaters are not able to show the films right now, Universal has become the first studio to release their brand new films on streaming video. These films will include The Hunt, The Invisible Man as well as focus features, Emma. Universal says that they will continue to evaluate the decision as indicated by what’s going on in the country. As I said before this is not an altruistic decision but it’s a decision that’s a good one. The studio can make back a good portion of the cost of a film and entertain the public with something brand new. I know for sure, that Amazon prime will be streaming these films. Given that money is tight at home it’s a great deal for everyone involved. Consumers and studios. They’re charging $19.95 to stream these films. At first glance that might sound like a lot of money. Especially when you can rent movies online from 1.99 to 5.99 each. Here’s the thing. How much does it cost to take a family of four to see a brand new film? Round numbers…. Perhaps an average of $10 a ticket figuring children’s prices along with the adults. In addition the overpriced snacks end up costing another $25 or $30 minimum. To say it costs $75 for a family of four to go to the movies in 2020 might just be an understatement. For the sake of this post let’s say it’s not. Consequently there’s a $35 savings just by staying home and watching these films. All the snacks are in the refrigerator or the pantry. Obviously that saves you from paying $4 for a large soda and five or six dollars for a large popcorn. it’s a really good deal to entertain the family for a couple of hours and more importantly to entertain yourself and forget about life for a while. I was shocked to hear this .I never thought it would happen because it would be precedent-setting but we live in times that are uncharted and sometimes things like this must be done on the fly.

There are also many other things to do that don’t cost money. Things that you’ve been meaning to do for years and just never got around to doing. Psychiatrists and psychologists have been saying that exercise is the key to not being depressed. It also gets you out in the sun for a little while, especially if you take a nice long walk. Pop in your earphones and take a walk around the neighborhood for a half hour. Just keep in mind that we are trying to keep our “social distance from people” and make sure you do that just to be safe. You won’t insult anybody. They want to keep their distance too. There are too many benefits not to engage in this act. Benefit number one is getting out of the house. The next benefit is the walk itself which is exercise. When you’re exercising your body releases chemicals that actually make you feel good. In addition exercise and the vitamin D you’ll get from being out in the sun are major contributors in strengthening your immune system which certainly helps you during a flu pandemic. Try doing this three or four times a week for a half an hour. You’ll be glad you did.

Read a book. Come on, there has to be a book out there that you’ve wanted to read for the longest time but because of your obligations to work, your husband and the kids you haven’t. The time to do it is now. Most ebooks are less than $5 and older titles are free. If you want a new release and you have your heart set on that book, go to Amazon and see if you can find it used. Nothing like getting lost in a fantastic book. I’d recommend reading Stephen King’s, The Stand, but unfortunately it’s about a virus that wipes out most of the world and we don’t want to be reading stuff like that now. Best novel ever written. We’re not in that situation and this is not Armageddon. This situation will pass by midsummer latest.

I hate going back to the TV for a moment but if you want to keep the kids occupied during the day, and yourself at night there’s still no better buy than the $17 a month that Netflix charges you for their service. There’s just so much to watch and their original content is just great. I highly recommend it.

Even as I write this I think to myself it seems very strange to be recommending activities to people when they should be working but we live in a strange time right now. We are in uncharted waters and there’s nobody alive that would remember the Spanish Flu epidemic of 1918. With this virus we just wing it and play it by ear. I do know that during this time when work is closed there are going to be some bills that won’t get paid and the government won’t be able to help us out a whole lot. If that’s your case your problem is with advance fee payday loans, I would highly recommend an Advanced Cash Loan Consolidation. While I’m recommending this I’d also like to recommend that you try our company. Federated Financial has been in business for 23 years it is rated a+ by the BBB our specialty is Advanced fee payday loan consolidation. We’ve been working with  Advanced fee loans for many years now and have a  with great working  relationship with all you’re creditors.99% of the time will be able to work with your particular creditors and we can ensure that in most cases your interest rates will be reduced down to 0% getting you out of debt much more quickly than you could have done on your own. Cash advance loans can be frightening. A great cash advance loan, payday consolidation company can take care of your every need. If you doubt that give us a call right now and speak to one of our accredited counselors and let them show you how to start saving money today. Twenty three years and an A+BBB rating should instill the confidence in you to trust us in consolidating your cash advance payday loans.

27 Jan 2020
payday loan consolidation company

The anatomy of Payday Loan Consolidation

I felt this would be a good time to revisit exactly how payday loan consolidation works and how to get started. Payday loan consolidation can be a gift if you are strapped to a high-interest payday loan that you obtained through what I like to call predatory lenders. How do you get out of debt? Sometimes solutions that seem almost impossible, are right at your very fingertips.

The first step is to find a reputable payday loan consolidation company. You’ve found one on this website. Whatever brought you here brought you to the right place.we have 23 years worth of experience and accolades in this business having opened our doors in late 1997. We have been recognized by the BBB with their highest mark, which is A+.

We have been recognized by our customers in our Google reviews and most recently I’m proud to say that we were featured in a Market Watch article that we’ve posted here on this site. This article was posted by Market Watch just a week ago and this is January 2020. Market Watch was impressed enough by our site and our reputation to post a link from their site referring us to their payday loan consolidation customers.

Okay, so how does it work? Up top, on our home page is a form. It’s a simple form that asks you to fill out five things. It takes 30 seconds to do. You can even get things rolling more quickly if you’d like. Just pick up the phone and call us Monday through Thursday from 9 to 9 and Fridays from 9 to 6. You will be connected either by form or by telephone to an accredited payday loan counselor. All you need are the names of your creditors and the account numbers if you have them.Your counselor will discuss your situation with you and based on our 23 years in business and our excellent relationships with your creditors more likely than not we will be able to submit you into a payday loan debt consolidation program.

This will reduce your interest rates down to 0%. Obviously, that will eliminate the exorbitantly high interest rates that you have been paying consequently lowering your payment to a more affordable dollar amount. It will also ensure that if you make your payments on a timely basis you will get out of debt a lot quicker then you would have if you had been paying interest. In addition you won’t have to roll the loan over into a new one with more fees being added to an already onerous balance. Aside from a bankruptcy which can be messy and embarrassing, this really is your only alternative. Use it. It will save your financial future.

20 Jan 2020
payday loan consolidation pennsylvania

Payday loans, Consolidation and Laws in Pennsylvania

Payday loans are prohibited in Pennsylvania. There are some consumers and lenders that are still able to get past these laws. The internet is their answer. Native American tribes make short-term loans based on post-dated checks with exorbitant interest rates, using their sovereignty as a way around state law. In 1998 there was a law passed in Pennsylvania that stopped all check-cashing companies from lending money based on receiving post-dated checks from the consumer. Even though they are not check-cashing companies, payday lenders are subject to this rule.

In addition to prohibiting payday loans, Pennsylvania has some very strict rules regarding interest rates that can be charged to consumers. There are some payday loans that can run up to 700% interest annually. The average payday loan has an interest rate that runs approximately 300%. Pennsylvania passed the Consumer Discount Company Act. This was specifically designed to regulate interest rates. It specifies that small short-term lenders cannot charge more than 6% on any loan they issue in the state. Some lenders are allowed to charge up to 24% interest but they need proper licensure to do so.

The initial result of this legislation was extremely positive. A large percentage of payday loan companies stopped working in the state. Most payday lenders in the state of Pennsylvania just didn’t feel that the low interest rates are beneficial to them so they don’t issue loans anymore. There are some lenders that have partnered up with native American tribes and together continue to fleece the consumer. The state of Pennsylvania is aware of this but unfortunately cannot do anything about it. It looks like payday loans will be around in Pennsylvania for a while. This begets an interesting question…

Why do people still pay these ridiculously high interest rates to obtain payday loans in Pennsylvania. The answer is pretty obvious. They need the money to pay their bills.

18 Jan 2020
washington dc payday loans

Payday loans, Consolidation and Laws in Washington DC

I thought that would be interesting to go through the various 12 States and the one district that either limits payday loan interest or doesn’t allow payday loan lending at all. I’ll be doing one of these articles every week specifically looking into these states.

The maximum interest rate that can be charged in Washington DC is 24%. That is a cap that applies to any kind of personal loan in that district. This rate applies to every Bank and every Credit Union. The max rate would yield a financial result of $16.11 for every $100 borrowed. Unlike many other states that do not cap these loans DC has taken a step to protect the consumer. Other states charge up to 700% annually.

Before 1998 there were no caps on payday lending in Washington DC. In 1998 Washington DC cracked down on high interest predatory lending. That year DC made it illegal for Check cashers to issue post-dated checks. That law put a stop to payday lenders who relied on that particular way of payment. 9 years later in 2007, the district established a 24% interest rate cap, which would be considerably lower than the egregious 700% rates that other states allowed. There is an exception to this and that exception is that tribal lenders in-store fronts and online can still offer ridiculously high rates to DC residents. Unfortunately my guess would be that some residents don’t know about the laws of the district and are fooled by advertisements into borrowing from tribal lenders. A little bit of knowledge is worth a huge interest savings. Tribal lending is the only exception to interest rate laws in DC.

In addition to that, Washington DC makes it mandatory for all payday lenders to have a license. Breaking the law would cause these licenses to be revoked and put these lenders out of business.if you do a search on the internet for payday lending in Washington DC you will find companies that loan money in the district. Be very careful in dealing with them. Make sure by asking and always get everything in writing. The questions are simple. Are you a tribal lender? What is the maximum rate your company charges for a payday loan? If the answers are outrageous you’ve run into a tribal lender, or an online company owned by tribal lenders without an actual business address in Washington DC. Just walk away. There are legitimate payday lenders in our nation’s capital.

16 Jan 2020
predatory lending demographics

Payday loan purchase Insights & Demographics

Payday loan insights outline the targeted demographics of these payday loan companies. Many of these companies know that their customers can’t afford to pay them back. This industry has become almost predatory… it’s a very good thing companies like us work to consolidate this debt. These are telling numbers and a direct reflection on the differences between the rich and or comfortable, and lower-income people. Why Do people find Payday Loans make their financial situation worse? Payday loans are extremely short-term loans. They have to be paid back in full immediately or the interest on them carry anywhere from 200-700% or more APR when the fees are annualized. Why do so many people suffer… because Payday Loans are not heavily regulated and many are left in the wild west in regards to their finances. Let’s take a look at the target demographics of these payday loan companies, these statistics are courtesy of finder.com

Who takes out payday loans?

You might very well be surprised or you might not, but the reasons people take out payday loans are the scariest part of this article. Read on!

a. Payday loans are most commonly taken out by people ages 25 to 49. Senior citizens more commonly use their credit cards or take out personal loans.

b. People who haven’t completed a four-year college education are twice as likely to take out payday loans then college graduates.

c. People who are separated or divorced are twice as likely to take out payday loans than people who are married or single.

d. People with kids are more likely to take out payday loans than people without.

e. Renters are twice as likely to go the payday loan route as people who own homes.

f. African Americans are twice as likely to take out payday loans as people of other races or ethnicities.

Low income households, People with household incomes less than $40,000 a year are three times more likely to take out these high interest loans then people with higher incomes. People in households making between 15 and $25,000 a year are the most likely to take out a payday loan.

These are telling numbers and a direct reflection on the differences between the rich and or comfortable, and lower-income people. This country has no middle class anymore. Here’s the scary part of this story. 69% of all people who take out payday loans aren’t worried about emergencies, broken automobiles, busted washing machines or an air conditioner that doesn’t work. 69% of the 12 million people who take out payday loans every year use the money for simple daily expenses like food, electricity and water bills.

Rent payments and credit card payments. Credit card payments are a terrible reason to take out payday loans. Just stealing from Peter to pay Paul at usurious interest rates. There are no answers. Our society today doesn’t seem geared to help create the answers but instead to keep perpetuating the problem by not clamping down on these payday loan companies. At this point the best solution is payday loan debt consolidation. Reduce your interest rates down to zero and pay these damn things off quickly.

If you’ve found yourself or a friend stuck in this vicious debt cycle please have them contact us immediately!

14 Jan 2020
advance loan debt consolidation

Consolidate Advance Loans Today!

Advanced payday loans are big business. Only for the advance loan companies. They make a lot of money on the enormous interest rates they charge. People take advance loans for many different reasons. Emergencies pop up quite often in many people’s lives. Most Americans have very little savings. When a crisis arises many people with bad credit and the need for quick cash will take an advance loan. And then the cycle begins. The good news is that these people can consolidate these advance loans right now.

Did you know? Approximately 12 million Americans take payday loans each year.

Did you know? Payday loan companies commonly charge between 200 and 700% interest annually.

Do you know? That you can get out of advance loan debt today.

Did you know? In 2006 only 250,000 people used advanced loans.

If you’re reading this article you’re on the right site to do so. Federated Financial, an advance loan consolidation company can reduce your rates down to 0% and get you out of debt quickly. Don’t be one of those many people that take years to pay off one loan.Economists have called these loans Financial suicide. You’ve got to break the chain and start getting out of debt today. Just go to the main page of this website and call the toll-free number at the top of the page, or fill out the five line form and someone will get back to you within the hour. Start getting out of advance loans today. Your financial life depends upon it!

13 Jan 2020

Featured on Market Watch – Payday Loan Consolidation

How Payday Loan Consolidation Can Help tackle all your financial woes

Jan 13, 2020 (eGiiG News via COMTEX) — Come the beginning of the month and you start fretting about the innumerable loan payments that you must do. If you are already living paycheck to paycheck doing that could seriously keep you on your toes the entire month. However hard you may try the payment would drain away all your savings causing you to spend the rest of the days in penury. Opting for payday loan consolidation though can help and below we tell you how.

Reduce multiple payments

Instead of having many small payments to make you can now have one payment that you have to make at the beginning of the month. Now the whole month is not spent thinking of how to pay for any small loans that need a repayment. Just one payment goes in the beginning and you can relax after that. Mostly this means that you pay a slightly lesser amount than you would have otherwise had to thus reducing the financial burden too.

Stress reduction

A reliable payday loan consolidation company can help reduce the stress you experience figuring out how to make the ends meet. Since now you have only one single account to take care of you may plan for it well in advance. Moreover, you do not keep any records of what payments were made and when. Your money at the beginning of the month goes to the right destination and after that, you may relax.

No more phone calls

If you have been faltering on your payments, we are sure you must have also received loads of calls asking you to pay up. Unfortunately, these calls are too pestering and can take away the happiness of your life. But, by using payday loan consolidation you can put an end to such calls. You make your payments first thing in the month and after that, no one must bother you.

Control your bank account

Some of the loan companies take their payments directly from your account and that is really disturbing. However, with payday loan consolidation your bank account comes back under your control. Your privacy is now intact as no one can govern how you spend your money.

Low-interest rate and late fees removal

By subscribing yourself to a payday loan consolidation you might end up paying a lesser interest rate than in other situations. Too many loans mean paying too much money out of your pocket but not in this case. Also, if you are making payment on time there is no scope of having to pay late fees so that aspect is also taken care of.

Conclusion

Payday loan consolidation is your solution if you are living your life on the edge when it comes to loan payments. Get in touch with a trustworthy payday loan consolidation company today if you too are facing the same dilemma. There are many firms that profess to handle the situation for you but they may be just bluffing. Do a thorough research of the company’s credentials before saying yes to them.