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Meet the Columnist

Columnist, Sheila Moss, is a free-lance writer from  Tennessee. She writes  funny stuff about southern life, women's issues, family matters and anything else that  she finds amusing.

She is seen weekly in the Daily News of Kingsport  and Hill Country Times and appears in a monthly humor publication called Foolish Times.  She has written for  Atlanta Woman Magazine, Aberdeen Examiner, Angleton Advocate,  and Smyrna AM, a supplement of the Murfreesboro Daily News Journal. She has been published by Voyageur Press, McGraw Hill, and the good folks at Guidepost Books have recently published a number of her articles in their Let There Be Laughter series of books. Her articles have appeared in numerous other publications, both print and online.

She is a board member and the Web Editor of  Columnists.com, website of  the National Society of Newspaper Columnists, the oldest and largest professional organization for  news columnists. She is also the Web Editor of SouthernHumorists.com as well as this website, HumorColumnist.com

To carry her self- syndicated weekly column in your newspaper, or to republish an article, please contact her. It's that easy.


   
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Economics for blondes....
 


Economics for blondes

Money, money, money. That’s all people seem to be talki about these days. It seems that we are all going to go broke, be homeless, and have no job sooner or later… through no fault of our own, of course, but due to government, the economy, and big business.

I see a lot of suggestions on how to avoid it, such as consolidating my debt into one big bill that I can’t pay instead of a having a lot of small unpaid ones. It is called MasterDebt. How appropriate. Somehow I’ve always been of the opinion that I couldn’t borrow myself out of debt. Obviously, I'm blonde when it comes to economic matters. 

It seems that home loans are not covered by MasterDebt. If I can’t pay my mortgage, experts have another solution. Interest on loans is low now, they say it is a good time to re finance the variable interest rate that is putting me and my MasterDebt card into the poor house. This is the way I can avoid foreclosure.

Chances are that if I’ve gotten myself so far in that I am consolidating debt, refinancing, and borrowing from Peter to pay Paul, I am not credit worthy, however, and I can’t get a new mortgage loan. So, I might as well reserve a spot in the soup line and go broke early before the homeless shelters are all full. At least I won’t have to pay property taxes. 

Presuming I still have a job, I will have to pay income taxes, however, unless I am wealthy enough to have tax shelters and know how to avoid it. Since all the money I make is going to pay MasterDebt, ballooning interest payments, and taxes, it hardly seems worth the effort. 

If I had no income, I would have no taxes. But, without tax payers, the government wouldn’t be able to bail out the banks and auto makers so they can continue to overcharge me while I pay off high interest loans and MasterDebt. 

Somehow, no matter how simple it all seems, the average blonde just can’t come out on top. If the auto industry goes out of business, I will be stuck with an obsolete, gas guzzling, Chevy that I can’t get parts for and can’t sell because it is suddenly worthless. 

Of course, that isn’t going to happen as the government will continue to keep automakers afloat, at least for a while. So I need to get rid of that automobile now, before it’s too late. If I don’t have a job, I probably won’t need a car anyhow.

Things are finally all starting to come together. As I said to start with, we are all going to be broke, homeless, and unemployed before it is over so why worry myself to death about it? Who’s going to bail me out? Well, no one. If I am broke, homeless and unemployed, I am on my own. 

So I need to follow the advice of the experts and keep on spending to stimulate the economy now why there is still time. I should have plenty of credit available since I consolidated my loans into a MasterDebt. 

Where does it all end? I have no idea. If I did, I would go there and collect. 


Copyright 2009 Sheila Moss

 
 



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