One At A Time

Father help your children and don't let them fall by the side of the road...
And teach them to love one another and heaven might find a place in their hearts, Cause Jesus is LOVE....
These are the lyrics to a song sang by the Commodores. If you are interested iit is called "JESUS IS LOVE"

I have a lot of things that I base my day by. There is a lot of scriptures that I read. None in order at all. Some songs that have meaning to me. It helps me go through my day. I am not as religious as I would want to be but I am trying...
A new thing that I have been doing lately while I'm home sick is read. The book of choice besides my bible is Chicken Soup for the Soul. I have had this book on my shelf and never even looked at it. But now I can't seem to put it down.
The story I want to share is called ONE AT A TIME...
 The reason I want to share this with you is because with all that is going on with the world....

                          Japan's Earthquake and Tsunami



The protest in Libya and this horrible leader that is killing civilians because they are tired of his cruelty..

I figured we have to start praying for God to help us.
 
    Here is the short story..
   "ONE AT A TIME"
  A friend of ours was walking down a deserted Mexican beach at sunset. As he walked along, he began to see another man in the distance. As he grew nearer, he noticed that the local native kept leaning down, picking something up and throwing it out into the water. Time again he kept hurling things out into the ocean..

 As our friend approached even closer, he noticed that the man was picking up starfish that had been washed up on the beach and, one at a time , he was throwing them back into the water.
 Our friend was puzzled. He approached the man and said, " Good evening, friend. I was wondering what you are doing."
  " I'm throwing these starfish back into the ocean.You see, it's low tide right now and all of these starfish have been washed up onto the shore. If I don't throw them back into the sea, they'll die up here from lack of oxygen."
     " I understand," my friend replied, " but there must be thousands of starfish on this beach. You can't possibly get to all of them. There are simply too many. And don't you realize this is probably happening on hundreds of beaches all up and down this coast. Can't you see that you can't possibly make a difference?"

    The local native smiled, bent down and picked up yet another starfish , and as he threw it back into the sea, he replied, "Made a difference to that one!"

 We can all make a difference in anything thing that we do... I choose this week while I'm home to go through my closet and getting rid of the clothes that I know I do not need and give it to the churches or local pantries that will take it, for other families that need them. ... It's small but it's a start. Have a bless day and thanks for stopping by.....................................................
                                    




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The unemployed and Bad credit

Today I was puzzled to find out that many jobs today wont hire someone base on their credit score. I understand if you have state official jobs and banks or the treasuer department. But retail, medical and production, are you serious.
  
I was looking into the unemployment rate of my state. There is approximately 9% of unemployed. In my county alone that has become about 11%. I was asking people around as to why do they feel they are not employed by now considering we are told the economy is getting better. I was told that a lot of people that are willing and able to go to work are being overlooked because they now have bad credit.

One gentleman whose name I will not disclose told me that he had perfect credit until the economy took a turn for the worst. He show me how easy it was to get bad credit through no fault of your on.. First he got the pink slip from his job. Laid off back in 2008. Then he applied for unemployment but it takes two weeks to get an answer and then you get your funds. You do not get what you were making obviously so, now he is working with almost three weeks of no income. Trying to go out and find employment, wasting money he does not have in gas.To be rejected because the economy is bad. No one is hiring at this time. Mortgage or rent is due. One late mortgage payment is like being late the whole year. When the making home affordable program started, it was a blessing to many but in the process it has left your credit damaged. While you are waiting for the process no matter what you send in for a mortgage payment, it will be put aside until the modification process is done. This is approximately 60-90 days... Late, Late, Late and now your score is horrible.This is one example he showed me.
I research to see if the state of Pennsylvania allowed Credit checks as part of job employment and it does. One main reason the unemployment rate is high.
 I found a few states that their unemployment rate is low and one reason is because the states have decided to stop companies from discriminated base on your credit score. If you can not get a job to pay your bills you will never have a good credit score again. Intead of judging base on a score, find out what cause the defaults in a negative credit report and I think you will find a lot of people lost their jobs and just couldn't paid their bills.Should this be a reason for someone who is well qualified for a position not get the job??????

Here is the article I found about the states that put a stop to this discriminating issue...


State Laws

As of 2010, legislation in Maryland is being considered to restrict employer's access of a prospective employee's credit history. The legislation would authorize employers to request credit reports from applicants only if the report would serve a legitimate purpose for work-related reasons or if the employer is under a legal obligation to request the credit report.
Washington and Hawaii have enacted similar legislation which limits employers' rights to perform credit checks during the hiring process. Most states that have passed restrictive legislation provide an exemption for financial institutions.
These states have cited concerns with the consequence of making hiring decisions based upon credit reports, such as the inadvertent consequence of disproportionately passing over otherwise qualified employees.
Concerns are that, during a time of economy downturn, contingent hiring policies based upon credit reports lead to more unemployed applicants who may have overextended themselves due to unemployment.
Lastly, these hiring decisions may disproportionately impact minority groups who traditionally have been underrepresented in professional-sector positions.

Read more: Laws Against Employers Checking a Person's Credit History
eHow.com http://www.ehow.com/list_7240230_laws-checking-person_s-credit-history.html#ixzz1HPzlLodR


                                                              Thank you for you time... Sorry to sound so condescending.
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