6 Reason Why the Middle Class Needs Help

America's middle class is the economic engine of this nation. Our road to economic recovery begins with restoring the prosperity of working families and small business owners. America’s middle class is hurting. Trillions of dollars in home equity and retirement savings and college savings are gone. And every day, more and more Americans are losing their jobs. Below are some of the reasons why the middle class of American needs more attention and is hurting extremely. A job and college degree will no longer give you the ammo to achieve the "American Dream".

6 Reasons why the Middle Class Needs Help

6. The average credit card debit is $15,788 according to AARP: As wages continue to decrease and inflation still hovering around 4% annually the only way Middle Class Americans can close the gap is with credit cards. With ARP of 15%+, if your lucky, will take 10 years to pay off $1,000 if you just paid minimum payments.

 

5. 43% of American workers have less than $10,000 in savings according to Money.com: Money for a rainy day is a thing of the past. Many Americans do not have the luxury to put money aside as most are living at or above their means.



4. With out a education you lose out: If you don't have a bachelor's degree, it is becoming tougher to find meaningful work, new research finds. With an increase in college tuition the idea of college cannot be a feasible path for many but this should not hinder a family from pursuing financial independence.

3. College degree but no Job: A college degree once all but guaranteed a well-paying job and higher earnings than high school graduates. But fewer of these good jobs are now available because of both long-term economic changes and the lingering effects of the Great Recession.

2. Lack of knowledge on the Power of 72: This calculation could work for you but for most in the middle class it works against you. The power of compound interest is what makes the world go around. For example You are 24 and have $3,000 in savings. You put it in an account that you expect to earn 8%. According to the Power of 72, it will take 9 years to double your money, so at age 33 you will have $6,000 if you add nothing more to the account. At age 42 you will have $12,000 and at age 60 have $48,000 from a $3,000 investment. Your money is working for you. All you had to do was to leave it alone!



1. Under insured(Life and Medical): 68 million+ adult Americans do not have life insurance. A consequence of not having life insurance is that your family will miss out on the contribution of your income in the household income and may have to leave their home to start anew somewhere else, as they cannot afford to fund the home alone. Imagine the added pain that having to leave the memories that you made in your own home would cause your family, given that they will be desperate to cling onto your memory after you pass away. Everyone has felt the wrath of a untimely death of a loved one and it has caused many families to make hard decisions that could of been avoided if the proper coverage was in place.


I hope you all found this information to be education and also bring up some personal situations that may need to be discussed among your family. I feel the middle class has been the backbone of this great nation but more and more begin to enter the realm of poverty because  life as well all now will cause hardship and pain. We must find ways to improve the quality of life and make a better future for our children.


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Top 10 Dr. Martin Luther King Jr. Quotes

To honor M.L.K day on January 20, 2014 I have created a list of memorable quotes from Dr. King. I do not have any ranking system based of the quotes below. Please read and hopefully become inspired.


“If you can’t fly then run, if you can’t run then walk, if you can’t walk then crawl, but whatever you do you have to keep moving forward.”

“The ultimate tragedy is not the oppression and cruelty by the bad people but the silence over that by the good people.”

“We must learn to live together as brothers or perish together as fools.”

“Injustice anywhere is a threat to justice everywhere.”

“The time is always right to do what is right.”

“Nothing in the world is more dangerous than sincere ignorance and conscientious stupidity.”

“Hatred paralyses life; love releases it. Hatred confuses life; love harmonizes it. Hatred darkens life; love illuminates it.”

“Our lives begin to end the day we become silent about things that matter.”

“The ultimate measure of a man is not where he stands in moments of comfort and convenience, but where he stands at times of challenge and controversy.”

“I have a dream that my four little children will one day live in a nation where they will not be judged by the color of their skin, but by the content of their character.”

Thank you Mr. King for your efforts for equality to all.

Top 10 Running Backs of All Time

When attempting to create a Top 10 Running Back list its hard to compare players that played in different eras of the game. For example the defenses  Adrian Peterson has to run against is extremely different than those of a Jim Brown. Some criteria I used to create this list were total rushing yards, records held, dominance during time played, and popularity. Let kick off this list.

10. LaDainian Tomlinson: Often referred to by his initials, L. T. He played a 11-year career with the majority of that time spent with the San Diego Chargers and later the New York Jets. Some records held include NFL record most combined touchdowns scored in one season (31), NFL record 18 straight games with a touchdown ,and Most Rushing Touchdowns in Season. Also a 2x NFL rushing leader and the 2006 league MVP. He ended his career with over 13,000 yards rushing. He is arguably the greatest dual threat running back of all time(Rushing and Receiving).

9. Marcus Allen: The 1981 Heisman Trophy winner from USC. Marcus Allen played a 16 year career, in which he spent the majority of his career with the Oakland Raiders and later the Kansas City Chiefs. Some of Marcus Allen's accolades include Super Bowl champion (XVIII), Super Bowl MVP (XVIII) (1983), and NFL MVP (1985). He is also the first running back to surpass 10,000 yards rushing and over 5,000 yards receiving. Marcus Allen ended his career with over 12,000 rushing yards.  Marcus Allen's career is an example of longevity and hard work and will be remembers as one of the best short yardage running backs of All Time.

8. Marshall Faulk: A 3x All-American coming out of San Diego State University. He played a 12 season career in which he played for both the Indianapolis Colts and St Louis Rams. Marshall time with the Rams, also known as"The Greatest Show on Turf", was his most memorable years. Some of Mr. Faulk accolades include 2x NFl MVP, Super Bowl champion (XXXIV), and Pro Bowl MVP. Marshall Faulk is the only one to amass 12,000 yards rushing and 6,000 yards receiving in a career. Marshall Faulk will go down in history as the running back on arguably the best offense to ever be assembled.


















7. Tony Dorsett: Heisman Trophy winner out of  Pittsburgh University. Dorsett played for 12 season with the majority of that with the Dallas Cowboys and 1 year with the Denver Broncos. Some of Dorsett's accolades include Super Bowl Champion (XII) and 1977 NFL Offensive Rookie of the Year. He is the first of only two players in history who has won the Heisman Trophy, won the Super Bowl, and won the College National Championship. Dorsett is known for his record holding 99 yard rushing TD during a Monday Night Football game in Minnesota.

6. Earl Campbell: Often called The Tyler Rose, Mr. Campbell is a Heisman Trophy winner out Texas University. Earl Campbell had the rare ability to run over defenders as well as run past them. Earl Campbell played for 9 season, most in the Houston Oilers and later the New Orleans Saints. Some of Mr. Campbell's accolades include 3x NFL MVP, 3x Offensive Player of the Year, and 3x NFL Rushing champion (1978, 1979, 1980). Campbell is widely acknowledged as one of the best power backs in NFL history.

5. Eric Dickerson: An All-American coming out of Southern Methodist University. Mr. Dickerson played for 11 seasons with the majority with the Los Angeles Rams and later the Colts, Raiders, and Falcons. Eric Dickerson holds the NFL Record for Rushing Yards in a Single Season with 2,105. Other accolades include 4x NFL Rushing champion (1983, 1984, 1986, 1988) and 1983 NFL Offensive Rookie of the Year. 

4. Orenthal James Simpson: Also know as O.J. or "The Juice" is a Heisman Trophy winner from USC. Once the poster boy of the NFL starring in commercial and later cameo in several movies. On the field O.J. Simpson was one of the best to ever put on a pair of cleats. Some of Simpson's accolades include 4x NFL Rushing champion (1972, 1973, 1975, 1976), Pro Bowl MVP, NFL MVP, and  NFL Offensive Player of the Year. He stands alone as the only player to rush for more than 2,000 yards in a 14-game season. He also holds the record for the single season yards-per-game average, which stands at 143.1 ypg.

3. Walter Payton: Nicknamed  "Sweetness" was one of the most Iconic NFL players of All Time. An All-American out of Jackson State University. Mr. Payton career lasted 13 season all playing for the Chicago Bears. Walter Payton once held the league's record for most career rushing yards, touchdowns, carries, yards from scrimmage, and all-purpose yards. He is also a 3x NFL MVP and Super Bowl XX champion. He ended his career with 16,726 which was the NFL record until it was broken by Emmit Smith.

2. Barry Sanders: Arguably the most elusive running back of All Time. Hesiman Trophy winner from Oklahoma State University. Mr. Sanders played for 9 seasons all with the Detroit Lions. Some of his accolades include 2x NFL MVP, 4x NFL Rushing Champion, 2x Offensive Player of the Year, 1989 NFL Offensive Rookie of the Year. Barry Sanders holds the record for most consecutive 100-yard games 
and NFL record most 1,500-yard seasons. Even with his short career he was able to rush for over 15,000 yards.

1. Emmit Smith: An All-American from the University of Florida. Not the fastest or biggest running back but he has the heart of a champion and it reflect on his outstanding NFL career.Mr. Smith played 15 season most with the Dallas Cowboys and later the Arizona Cardinals. Smith is the only running back to ever win a Super Bowl championship, the NFL Most Valuable Player award, the NFL rushing crown, and the Super Bowl Most Valuable Player award all in the same season. Emmit Smith and Jerry Rice are the only two non-kickers to score over 1000 points in a career. He also holds the following records NFL record: career rushing yards (18,355), NFL record: career rushing touchdowns (164), and NFL record: career 100-yard rushing games (78).

Thanks for checking out my Top 10. I know that true NFL fans would wonder where Jim Brown is on this list. Jim Brown was a great Running Back but I feel if you place anyone on this list during his era they would accumulate similar if not surpass his stats. Another player would be Franco Harris also a great Running Back with over 12,000 career rushing yards and 4x Superbowl champ. Harris is great just not in my Top 10. There are several other honorable mentions that did not reach my Top 10 like Terrell Davis,Gale Sayers, and Adrian Peterson.

Top 10 Comedy Movies since 2000

Let's look at some of the funniest movies ever created. I have decided to only go back to the year 2000 so that means movies like Caddyshack, Dumb and Dumber, and Airplane will not be apart of this list, but are legendary comedies. Some of the criteria I used to create my Top 10 were Popularity, Box office numbers, and how much the movie made me laugh.

10. Bad Santa (2003)- Starring Billy Bob Thornton in which he plays a Mall Santa that steals from department stores throughout the mall. Things get complicated when Santa befriends a young boy and the Mall security catch on to his scheme. Tons of laughs but definitely for a adult audience.


















9.Tropic Thunder (2008)- A star studded cast including Ben Stiller, Jack Black, and Robert Downey Jr. Tropic Thunder plot consist of actors filming a war movie that in reality find themselves in true danger similar  to the script. The most exciting character played by Robert Downey Jr. named Kirk Lazarus who is a Australian actor that portrays a African-American solider. Laughter from beginning to end.



















8. Step Brothers (2008)- Starring Will Ferrell and John C. Reilly. The story focuses on two middle-aged men still living with their recently wed parents making them step-brother. Both play hilarious practical jokes on one another then ultimately become friends and launch a business Prestige Worldwide.

7. Jackass: The Movie Franchise (Starting in 2002)- Instead of ranking each movie I rolled into a franchise. Starting off as a show on MTV, its a group of "try anything" individuals led by Johnny Knoxville. The movie consist of practical jokes and gross humor. I love each movie and most of the cast have went to host their own TV shows like Steve-O and  Bam Margera.

6. Talladega Nights: The Ballad of Ricky Bobby (2006)- Starring Will Ferrell and John C. Reilly. This is another Ferrell and Reilly combination of laughs. The story focus on the reckless NASCAR driver Ricky Bobby he lives life by only one motto "If your not first your last". This motto begins to change once a new driver come on the scene played by Sacha Baron Cohen. I recite lines from this movie on a daily basis and love the characters within the film.

5. Super Troopers (2001)-Probably Broken Lizards(comedy troupe) best film created. In consist of Vermont state troopers that are on the verge of their unit being shut down and ina attempt to survive the troopers try to solve a drug crime before local police to keep their unit alive. Non-stop comedy and I could watch this movie everyday.

4. Superbad (2007)- Starring  Michael Cera and Jonah Hill as two dorky high school seniors. As their time together is coming to a end(Going off to college) they try to do things they never have done before. This consist of getting hit by a car, talking to girls, singing for random men at a house party, and joy riding with cops. A laugh out loud comedy and one of the best comedies since 2000.

3. How High (2001)-Some may think "How in the world How High is at number 3?" but remember this list is based off my opinion and I love this movie. Starring Method Man and Redman as two pot heads that smoke some magical weed that gives them Genius like abilities. This lands them at Harvard and begin to turn the campus upside down.

2. Old School (2003)- Starring  Luke Wilson, Vince Vaughn, and Will Ferrell as three friends who begin a fraternity but do actually attend the school. When a rep from the school finds out the frats creation he will stop at nothing to shut them down. Another movie I quotes on a daily basis and a non-stop laughing adventure.Zulily Reporting Services

1. The Hangover (2009)- I'm not a big fan of parts 2 and 3 but the original movie is the best comedy since 2000. The plot consist of a group of guys celebrating a bachelor party and things take a turn for the worst. Waking up to a mountain of chaos that no one can remember. Laugh out loud comedy and tons of memorable quotes.

Thank you for sharing the experience of checking out my Top 10 Comedy Movies since 2000. Please leave comments and give your opinion.

Top 10 Superheros of All Time

Today we are going to talk about the Top 10 Superheros of all time. The criteria used to create this list are Box Office popularity, longevity in Pop culture, and super powers they bring to the table. Let's kick off this list.

10.Wonder Woman: Also known as "Princess Diana of Themyscira" and "Diana Prince" her origin date back to the early 40's. Her powers consist of Flying, Super strength, Super Speed, and Magical Weaponry. Wonder Woman was highlighted with a TV show during the late 70's and there are talks of a feature film to be released soon.

9. Flash: Nicknamed the "Scarlet Speedster" and the "Crimson Comet" his origin dates back to 1940. His powers consist of  super-speed and superhuman reflexes. There has been a few failed attempts to bring the Flash to the big screen, one in the early 90's as a TV show and several direct to video movies. The Flash is another superhero with a movie in the works so watch out for it before the Scarlet Speedster passes you by.












8. Thor: Also called The Mighty Thor or Thunder God  his origin dates back to the early 60's. His powers consist of Superhuman durability, longevity, speed, and strength. He also used a Mjolnir, large square-headed gray hammer during battle. As of late, Thor has Two feature films titled "Thor" and "Thor: The Dark World". Thor also was featured in the movie " The Avengers".

7. Captain America: Also known as The Captain or Weapon 1. His origin dates back to 1941.Captain America's powers were artificially created by the Super-Soldier Serum. He has super human strength, speed, stamina and durability. The Captain had a TV show in the 60's and a few TV movies in the late 70's. Recently Captain America has one featured film titled "Captain America: The First Avenger " and featured in the movie "The Avengers".

6. Hulk: Alter ego of Dr. Robert Bruce Banner. His origin dates back to 1962. The Hulks abilities were created due to large exposure to Gamma Rays, his powers range from super strength to accelerated healing. The Hulk had a 5 year TV show starring Lou Ferrigno,also a few TV movies in the late 80's and early 90's. Two feature films have been created "The Hulk" in 2003 and "The Incredible Hulk" in 2008. The Hulk was also featured in the film "The Avengers".

5. Superman: Alter ego of Clark Kent. His origin dates back to the early 1930's. Superman is not of this world he is from the planet Krypton. His powers include Superhuman strength, speed, hearing, longevity, stamina, intelligence, flight and freezing breath. Superman's first TV show dates back to the 50's and several featured films in the 80's starring Christopher Reeve. Recently Two feature films have been created starring Superman titled "Superman Returns" in 2006 and "Man of Steel" in 2013.

4. Wolverine: Also known as Logan or Weapon X. His origin dates back to the mid 1970's. Wolverine is a mutant who possesses animal-keen senses, enhanced physical capabilities, and a healing factor that allows him to recover from virtually any wound, disease, or toxin at an accelerated rate. Wolverine was featured in the animated TV show titled "X-men" from 1992 to 1997. Wolverine has also been featured in each feature film in the X-men franchise. Recently Wolverine has starred in the feature films "X-Men Origins: Wolverine" in 2009 and "The Wolverine" in 2013.

3. Spider-man: Alter ego is Peter Benjamin Parker. His origin dates back to the early 1960's. Spider-man powers originate from a spider bite from a lab created spider. His power consist of Superhuman strength, speed, agility, stamina, reflexes, and endurance. The Spider-Man franchise grew tremendously during the early 2000's with feature films starring Tobey Maguire.

2. Batman: Alter ego is Bruce Wayne and also known as the Caped Crusader. His origin dates back to 1939. Batman does not have special powers as the others on this list but he does have a variety of gadgets that he uses to defeat his enemies. The Batman franchise has movies that date back to the 1940's and continue to be made til this day. Some recent films include "The Dark Knight " and "The Dark Knight Rises".

1. Iron Man: Alter ego is Tony Stark and also known as the Titanium Titan. His origin dates back to 1963. Just like Batman, Iron Man the man (Tony Stark) does not have special powers but he does have super intelligence and his Iron Man suit. When Mr. Stark is in the Iron Man suit his abilities includes superhuman strength, durability, supersonic flight. Similar to the Spider-man franchise the Iron Man franchise has gained tremendous growth in the last several years. Iron Man 3 is one of the largest grossing opening weekends of all time.