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Angels Against American Poverty AAAP will learn and share ways to eleminate poverty in the USA. There are extensive issues for this topic and the general public needs to learn it ALL & win against poverty.
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Group Email: AngelAgainstAmericanPoverty@groups.care2.com


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Another endeavor of: The Angel Power Emporium, Inc. Please note: The Angel Power Emporium, Inc. (TAPE) is now officially a non-profit charity currently located in southeastern Ohio. We are establishing scholarships for low-income persons, providing social awareness, and, in the furture we intend to provide enhanced communication courses for low-income teens and adults pluspersons enduring life-transitions who wish to attain more education. Soon, we will have banking sites for donations. Please consider keeping in touch with us. We appreciate productive input. Thank you! Kathleen R, BSJ, M.Ed, Founder theangelpoweremporium@yahoo.com
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{ else }   Blog: ANGEL STORIES WANTED  

Hi Friends!

I'm sorry I haven't the time right now to begin with my own stories {they'd fill a book!}. However, a dear friend is gathering such knowledge and experiences as a speaker and I am helping to gather all we can. Share this thread with your own networks!  I am also putting this thread in my MISSIONARY KIDS group. Please, share as you can. THANK YOU very much!!!                                                              Peace, Kathleen                                                                                                               ~The Angel Power Emporium~*angel2*


Posted: Apr 8, 2007 7:17pm | (0) | (0) |  
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{ else }   Alert: ANGELS AGAINST AMERICAN POVERTY  
Focus:Family
Action Request:Think About
Location:United States
Hello Friends!
Poverty has extensive aspects and issues, and, each county and state may have differing relevant regulations, yet all have cracks in their system. The Angel Power Emporium exist to TAPE such cracks and help get folks on a path toward a better life. In time, you will be amazed at the stories we'll learn about, the craziness that causes road-blocks, and, the deeply good people who sincerely care. It is up to WE THE PEOPLE to help others be a successful. Let us begin with a different thread per issue, and, grow on from there.
God Bless You All!!!
PEACE~
KathleenR/AngelFaith
The Angel Power Emporium

Posted: Feb 4, 2007 10:44pm | (0) | (0) |  
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Blog: Learning About The Realities Of Hard Work For The Poor  

For over a year, I have been working for a non-profit organization fighting local poverty as an Americorp volunteer. Americorps volunteers are not "volunteers" by the strictest of definitions. They receive a bi-weekly cash stipend, a minimal health insurance plan, and an optional education award - just to name few of the eligible benefits. Of course, Americorps members earn significantly less than they would with "gainful employment" and this fosters a sense of duty and service to the community. A minute stipend is not implemented without reason. Set just above the local poverty-level, the cash stipend is designed to educate the traditionally more affluent Americorps members about the realities of poverty and how it will affect any attempt to improve the capacity and sustainability of services to the community. The education does not simply come in the size of the paycheck, but in what it takes to receive even that much.

The non-profit that I currently serve is blessed with good people who assist families going through emergency crises everyday. The work can present the most harrowing of situations - single mothers who have been evicted from their homes, battered spouses and their children looking to escape, a parent and child trapped in an apartment rampant with drug use - but our case managers are there doing all they can, even if they cannot help all who come. Many families who have come looking for help have tried very hard to avoid being in the situation of asking for it. Multiple jobs compounded with a lack of medical insurance and childcare services strain the efforts of dedicated mothers and fathers to the breaking point. These are the parents my co-workers see everyday. They try, but the realities of living-costs and earned income just become too much.  

It is in talking to our case managers that I realized the value of having Americorps volunteers work for a relatively low stipend. By working long hours with little pay, one can begin to grasp the narrow avenues that the people who walk into our office travel. The practice of accumulating the costs of basic necessities - tracking the price of bread, milk, and poultry over an extended period of time, discovering the price of dental services, learning of the prescription prices of medicine - can shed light on this daily struggle. A .20 cent hike in gas, an increase in rent, now multiply that by the number of children and one can begin to grasp just how impoverished families work for basic amenities.

We all rely on support. Friends, family, co-workers, and others have all supported and carried us to where we are now and for the most being, we do not feel ashamed about this or lack a sense of self worth. But many impoverished families do feel this sense of shame while being neglected the necessary support structures needed during difficult times. The belief in hard work being rewarded disappears. What arises is the realization that hope and opportunity are lacking. That access is limited. The question that leaves is what to do to create hope and opportunity so others do not have to see hard work and sacrifice fail them?  


Posted: Feb 5, 2008 8:30am | (0) | (0) |  
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Blog: Unscrupulous Credit Practices Under Examination  
"Wannemacher used a new Chase card in 2001 and 2002 to pay for expenses mostly related to his wedding.
He had $3,200 in purchases, interest charges of $4,900, 47 over-limit charges totaling $1,500, late fees of $1,100, for total charges of $10,700 as of February.
Richard Srednicki, the chief executive officer of Chase Card Services, apologized to Wannemacher in his testimony. "In this case, we simply blew it," he said."

The somewhat unscrupulous credit practices employed by most banking institutions is certainly no news to most American consumers. As I wrote in a post last August, if you are an average working class American the odds are that either you or someone you know is either quietly drowning in debt and/or is maxed out. Sadly, that's become the state of many middle-class Americans. Equally unfortunate are the often experienced feelings of shame, guilt, and failure and hopelessness that accompanies this financial situation. There is a stereotype that most middle-class persons that find themselves deeply in debt brought the situation on themselves by irresponsible behavior. However, more and more persons that tried to play by all the rules to achieve the American dream are finding that dream buried beneath a mountain of debt.

While everyone acknowledges that banks are in business to make money, it now it seems that their motto is to make money by any means necessary.

Enough is Enough! People need to know that they can get out of debt and live debt free. It is not easy and will not be without some pain, sacrifice and patience. Living debt free requires a major change in mind-set and an understanding of the system that is designed to promote indebtedness.

Pamela Lyn



Panel slams banks over credit practices on Yahoo! News
By MARCY GORDON, AP Business Writer
read the entire article at:
http://news.yahoo.com/s/ap/20070307/ap_on_go_co/congress_credit_cards_6



Summary:
An Ohio man whose $3,200 credit card debt mushroomed to $10,700 with interest and fees told his story Wednesday to senators who denounced the industry for confusing billing practices and shifting interest rates.

Executives of three major banks defended their credit card practices as responsible and responsive to consumers' needs in testimony at the hearing of the Senate Homeland Security and Governmental Affairs' investigative subcommittee.

Those from Citigroup Inc. and Chase Bank USA said their companies were eliminating some practices --- including the one that hit Wesley Wannemacher of Lima, Ohio, with over-limit fees on his Chase card account 47 times although he went over his credit limit only three times.

The interest charges and fees on Wannemacher's account more than tripled his debt despite his having made payments averaging $1,000 a year over six years, noted Sen. Carl Levin D-Mich., the subcommittee's chairman. He said an investigation by the panel found that "sky-high interest charges and fees are not uncommon in the credit card industry.

While the Wannemacher account happened to be at Chase, penalty interest rates and fees are also employed by Bank of America, Citigroup and other major credit card issuers."

Richard Srednicki, the chief executive officer of Chase Card Services, apologized to Wannemacher in his testimony. "In this case, we simply blew it," he said. Srednicki said the company has decided it no longer will charge over-the-credit-limit fees to customers who have been in a chronic over-limit position for 90 days.

Wannemacher used a new Chase card in 2001 and 2002 to pay for expenses mostly related to his wedding. He had $3,200 in purchases, interest charges of $4,900, 47 over-limit charges totaling $1,500, late fees of $1,100, for total charges of $10,700 as of February. He paid $6,300, leaving a $4,400 balance --- which Chase agreed to waive after he contacted the subcommittee staff.

"Debt seems to invoke a feeling of hopelessness unlike any other problem I've encountered," Wannemacher testified at the hearing. "When a debtor calls you on the phone and you make a minimum payment, you know that you've made no real progress and that in a month, they will be calling again."

While the credit card practices in question are legal, Levin is threatening possible legislation to outlaw them as a spur to the banking industry for voluntary changes.

Senate Banking Committee Chairman Christopher Dodd and other Democratic senators challenged credit card executives at a hearing in January over rising late fees and other penalties and marketing practices they portrayed as predatory.

Citigroup, the nation's largest financial institution, announced last week that it was eliminating the practice of so-called universal default --- raising interest rates for card customers because of their failure to pay other creditors on time.


Summarized by Copernic Summarizer

read the entire article at: http://news.yahoo.com/s/ap/20070307/ap_on_go_co/congress_credit_cards_6


For more on this topic read:

50 Good Things About Being Debt Free & 10 Steps To Help You Get There

Protecting Elderly Loved Ones From Fraud

New Research Confirms That Pricing Disparities Based On Race Is A Reality

SpendThrift Nation

Imported from external blog


Posted: Mar 7, 2007 7:01am | (0) | (0) |  
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