6574 North State Road 7 #137 Coconut Creek, FL 33073
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18 May 2020
corona virus threat

Up-to-the-minute results of our country reopening!

As of this morning there have been more than 1.4 million coronavirus cases in our country. That’s based on the Johns Hopkins University estimate. Approximately 89000 people have passed away in the United States. Major automakers, Chrysler Fiat Jeep, Ford and General Motors are slowly beginning to reopen for business. The stock market was up almost a thousand points today. The market has reason to be hopeful. The reason for this optimism is that pharmaceutical company Moderna, has reported that their first clinical trial has shown that out of 45 people injected with the new vaccine, all 45 developed antibodies that normally only occur in people who have already had the virus. That is incredibly promising news. They’re 45 for 45 independent of the size of the dosage which varied by person. A big start, and phase 3 will start in July. They are optimistically hoping for a year-end vaccine. That’s probably the biggest news of all. Moderna is an United States based company out of Massachusetts. It would be great finding the cure here in the United States. That would reaffirm our greatness in the field of science and make sure that Americans, especially our healthcare workers in America would be inoculated first. So for every positive there’s a negative. isn’t it amazing how good news brings the morons out? The number of vaccinations administered to children in Michigan has dropped by as much as 22% during this pandemic. This report was released today by the CDC. The CDC happened to use Michigan as a case study but it has no bearing on other states in this nation. Why are people not getting their children vaccinated? The answer is pretty simple. It’s not Financial because I know that most states have programs to inoculate children regardless of their parents ability to pay. It has nothing to do with socioeconomic circumstance or the almighty dollar. This is all about the ridiculous anti vaccination groups keep popping up all over the world. I don’t get it. In this case science completely rules. When I was a kid I had to take a polio vaccine. They don’t give those anymore. No more measles or mumps shots either. Why not? Because these diseases have been eradicated from the planet. Is it magic? Did David Blaine make them disappear? Course not. Vaccinations rule. Why do people believe that their children should not be vaccinated? In this case you could lay odds that all these non vaccinators blame the inoculations that people have received throughout the years as the cause of the continuing covid virus. How ridiculous is that?

In other news Georgia has been open for more than 2 weeks now and as yet, there has not been a spike in Corona cases. There are probably two reasons for that and I hope I’m wrong about this. Reason number one could simply be that there’s always a lag between infection and symptoms. Especially symptoms that are bad enough to require seeing a doctor or going to a hospital or taking a test. Now fingers crossed, I’ll say  the other possible reason could possibly be the new way that we’re learning to live. I’m referring to social distancing and no physical touching as in handshakes. This very well could be keeping covid-19 at bay in the state of Georgia. I’m sure we’re going to find out really soon especially as more and more states begin to reopen.

How about restaurants? Is it safe to go out and eat. There are many new rules in place for going out to eat. Hand washing and employees wearing cloth face coverings are both essentials. The CDC recommends that all restaurants intensify sanitation disinfection and cleaning. Create social distancing by spacing tables and continuing to recommend curbside pickup. Restaurants are required to develop a system to check for signs and symptoms of covid-19 in their employees. So now, will the people come back? That’s an unknown. We do know that restaurant capacity is going to be greatly cut given the rules about separating tables and total people allowed in each establishment. It’s tough for the restaurants to begin with. The situation we are in makes it much tougher. Think about it, we go out to eat to relax. Maybe we go out with our kids on a Sunday. Our adult kids and sit in a sports bar watching the game and eating wings. Well there are no games and there are rules for the customers too. Face masks are required. The only time they can be removed is when you are eating. Your server will be wearing a face mask and gloves. Now I see this in Publix when I go shopping and I have to admit that I am feeling a certain level of discomfort when I’m walking in a grocery store. But, grocery shopping isn’t supposed to be relaxing. It’s a necessity. I can’t imagine not having that same feeling in a restaurant where everybody is masked and if you just sit and try and forget about the world around you you’re reminded every time you open your eyes if you are sitting in a covid-19 world restaurant. I’ve got to tell you. There’s nothing relaxing about that in my opinion. Although I support this country and certainly small business, I’m going to choose to sit those restaurants out for a while. I don’t mind making my own food sitting in front of my own big screen television set that broadcasts in 4k, and not worrying about somebody walking by, or serving me and sneezing while I’m not wearing a mask. It’s really that simple. I think the restaurants have a big tall ladder to climb and it’s going to take a long time before people are comfortable again. I won’t be comfortable until I’m able to get a vaccination. We go to the grocery stores because we have to. Nobody forces us to go to a restaurant. I am not anti restaurant. I am anti covid-19. Now I feel the same way about gyms. This one I don’t get and I am a workout person. Now full confession, I have a full gym in my house and I’ve always used it. I don’t need to use a public gym but I’ll occasionally drop by one of the gyms in my community perhaps a few times a month because of the social aspect involved. I’m glad I don’t have to do that now. How many times have we been in gyms, I mean real gyms and have had the person in front of us not clean off a bench that they sweat on, or a machine? In my mind gyms are already Petri dishes for disease. why would we put ourselves in Jeopardy doing something that we specifically do to be healthy. There are plenty of household items you can use to have a really good workout. The elliptical can be replaced by brisk walking and the same benefits will be reaped without the risk of catching covid-19. I don’t believe that one person in our government ever thought what would happen if everything reopened and nobody came. The jury is out on all this right now. There ought to be a verdict in the next month or so. Once again I really hope that I am wrong.

The lone Star State has reopened. Yes Texas is open for business. The only problem in Texas is that this weekend, and Saturday specifically Texas had the biggest single day jump in covid-19 cases since the pandemic began. 1801 new cases were diagnosed on Saturday. Texas Governor Abbott, laid the blame on the City of Amarillo noting that there were 700 new cases in Amarillo alone on Saturday. Is that really an important point? Amarillo is a hotspot. We all have cars. We go places. I don’t believe it’s safe there. I wouldn’t feel safe doing anything in Texas right now yet against all the original criteria for reopening including a 14-day downslope in new cases Texas has reopened.

These are some of the things that I noticed today in the news. Our world is still crazy. It seems like the craziness will never end. I genuinely hope like all of us do, that there will be a vaccine and it’ll happen sooner than later. I hope the people wise up and stick out their arms to accept the needle gratefully. Everyday is a day to watch. Day to keep our fingers crossed and Hope that we’ve finally crossed the bridge and we’re going to be able to continue to work and keep this country open..  Most importantly keep all that horrible death away.

payday loan consolidation
payday loan consolidation

Let’s take a moment and talk about why you are on this site. Many people have lost everything since this pandemic started. Nobody really thinks about what it would be like to be out of work through no fault of their own for 3 months. If you’re on this site it’s more than likely you took out a payday loan. Payday loan lending should be illegal. A loan shark will lend you money for less. If you are deeply in debt and stuck under the specter of one or more 700% interest payday loans you’ve come to the right site. Federated Financial is a 23 year old payday loan consolidation company that can help you. In most cases we are able to reduce the exorbitant interest rate charged by your lenders down to 0%, which gets you out of debt in a shorter period of time than you could do so yourself. Our program has proven itself over the last 23 years. We have an A+ rating with the Better Business Bureau. Our payday loan consolidation program, put you into a position to retire your debt early and get on the right track again. There are so many predators in tough times like these. History has recorded them all. People who prey on other people’s misery. Payday loan consolidation works and it can work for you. Give us a call during normal business hours. 9 to 6 Monday through Friday. Or in the alternative fill out the 30 second form on the top of page and someone will be back in touch with you ASAP! I’m very proud to say we are great at what we do and we really care about our clients. The country is back at work and collectors are doing what they do best. Being pests! Let’s get the Raid and remove them from our lives. In this case the Raid is a good payday loan consolidation program…. At least it keeps the creditors away!

19 Feb 2020
Payday Loan Consolidation

The A B C’s of Budgeting

The A B C’s of Budgeting – (Always Be Counting) & (Amazing Bogo’s r Cool)

As we start this next foray into how to save money I thought we should start at the supermarket. The goal here is to ameliorate your debt. Here in Florida we have Publix supermarkets but I assume this is pretty much standard operating procedure all over the country. I’m talking about buy one get one free. I came out of the supermarket yesterday and looked at the receipt and it told me I saved $43 and change. It was just one of those days. Everything I came to buy was two for one. I don’t know why. That part is certainly a once-a-year occurrence. Kind of like playing a slot machine and winning. I do know that when they have two for ones and your family enjoys what day are literally giving away, try and buy four for two. Seriously, take advantage of a really good deal. I do. Now yesterday was the exception. Everyday is not your personal Bogo day but with a little bit of creative shopping you could make it so. What I mean is this. Can anybody taste the difference between Pepperidge farm and Arnold’s bread? Especially when it wraps up a peanut butter and jelly, or a great turkey and cheese sandwich? I believe the answer is no. Does it really matter if Zephyrhills, or Eternal Springs water is the BO-GO of the week? Not if you’re on a budget and you’re always counting what you spend in the grocery store. The difference between premium products is usually very slight. I’m a diet Pepsi guy and I swear I can tell the difference between diet Pepsi and diet Coke. Who cares? I’d rather have two for the price of one. Bought some Chobani yogurt yesterday. They come in four packs. I bought four, four packs for the price off two. I think you see where I’m going with this. is Janis Joplin sang years ago in a really great old song “Get it While you Can”!

Also remember to “always be counting”. If you have a budget for groceries stick to it. You can do the math in your head as you walk the aisles. Rounding off numbers even within $10 is just fine. Always save your money. Saving money is imperative. If you’re on this site I’m sure you’re well aware of that. The key to getting out of debt and staying out of debt is knowing what you’re spending and where you’re spending it. Unfortunately, many people turn to Payday loans. They’re a deadly trap. If you find yourself in that position, payday loan debt consolidation is the answer. We are one of the oldest and most respected payday loan consolidation companies in the industry. We’ve been consolidating these loans for the last 23 years and we are highly rated at A+ by the BBB. Read our site. Watch our videos. You will be helped just by doing that. Our site is extremely informative and all of the information is up to the minute new. If you feel that you’re curious about payday loan debt consolidation and still not sure of exactly what it is after reading our site please call us or simply fill out the form on one of our pages to speak with an accredited debt counselor. No pressure. We can help you 99% of the time. We want it to work for you. We care.

14 Feb 2020
stay out of payday loan debt

How to use a budget and stay out of payday loan debt!

How to use a budget and stay out of payday loan debt. When I was young my father would tell me “live within your means”. I never really understood that concept because money always burned a hole in my pockets. I had no idea how and or why I should save money and I had no conception of what it cost to live each month and what the total was… or what it could be each year. Let me explain below…

When I would ask my friends how do you make a budget they would tell me write down all your bills and write down all your income and and subtract your bills from your income. If you had something left over you were doing okay and if you didn’t have any leftover you’d need to tighten up. I tried to do that but I found that at the end of the month, even if I adhered completely to my budget I was still in the red… Then I had an idea I still use today. Your income may be a static number but monthly debt is fluid.

There are bills, there are emergencies. The cost of food always varies. The electric bill goes up and down and I could go on. This is what you need to do to figure out a monthly budget. Print out the statement from the last 12 months of your banking. Go over it item-by-item. Every bill that you paid whether it be recurring or a one-time bill needs to be written down. Do that for one full years time. Then, add up all the numbers and subtract them from your income. That’s a true budget. You’ll see all your bills. Doctor’s bills, veterinarian bills. Cost of shopping. Cost of water. Pet insurance if you have any. All of a sudden you see where the money has been going. Include the cost of entertainment because going to the movies and having some sushi afterwards is something I would call semi reoccurring debt. With the debit cards that we use today and the checks that we write, your actual statements are the best barometer of what it costs you to live. If you are in the black, good for you!

Start saving money for an emergency fund. Nobody knows when an emergency can happen. If you are the red start cutting back on whatever you need to cut back on. In another blog post there’s an article written about stupid debt. Read it. We all can relate. Here’s the thing. There is a quick fix for these monthly shortages and many people take them. They’re called payday loans. Most of our clients have them. They are ridiculously high interest advance loans that cost an arm and a leg to pay back at interest rates that could top off at 700%. At that point in time many of the people we work with go into a payday loan consolidation program. You don’t want to be the person that takes out that 700% short term loan. That short-term loan will always become long-term. There are very few people that can’t afford that kind of interest on top of their monthly bills.if you ever find yourself in that situation you will need a payday loan debt consolidation to pull your life back together.

Our company has been in business 23 years. In most cases if you make that mistake our consolidation program can get you out of debt in a shorter period of time. Our years of experience working with your creditors works in your favor. In most cases your creditors will reduce your interest rates for us down to 0%. Get your budget in order and don’t make the mistake of getting into Payday loan debt. If you do give us a call. We can help.