letters and counting!
Mr. Dimon's wage | 1
Dear Mr. Dimon, I understand that you earned $20.8 million last year in total compensation. Now, I know you work hard and do good things for your company, but … I’m assuming you NEVER take vacations and I would hope that you work 100 hours per week. Well, $20,800,000 / 52 / 100 = $4,000 an hour. Your salary alone could provide employment to 533 people, assuming that they earn $15 an hour; that they work 50 hours a week for 52 weeks a year. 533 people! And you’ve laid off … 14,000? Sir, no one is saying that you don’t work hard and that you don’t deserve a good salary. But there comes a time when you have to ask yourself: $4,000 an hour? As an employment counselor, I have access to your job listings. I am aware that your fellow Chase brethren; your guards and cashiers and tellers usually make less than $10 an hour. So, sir, it can only be assumed that you are royally fucking over your own staff. When I went into Chase the other day to CLOSE MY ACCOUNT, I let them all know that, too.
After working over 40 years I retired with enough money in my 401K to sustain my wife and my self, maybe not extravagently, but comfortably. Then the stock market crashed and I lost more then half,now I have had to go back to work and finding a job being over 60 wasn't easy. When or if you read this you're probanly going to say who cares I've got enough money and you could give a crap about some blue collar slob who lost almost all his money. So you can have a good laugh and just delete this and go on with your pampered life. Timothy Shirey 44710
I am not as badly off as a lot of Americans: I am in no danger of hunger, homelessness or being completely without medical care. This is because, at age twenty-three, a college graduate, I live with my parents. I can't afford to do anything else. Again, I am luckier than a lot of Americans: I am working two jobs. Neither of them pays much, so I can't afford my own place, or my own food or clothing. I have to rely on my parents for those, and my parents--thank God--love me enough not to mind. As I said, I am much luckier than many other Americans. But it shouldn't be this way in this country. America was founded as the home of freedom and opportunity: we shouldn't have to watch the rich get richer while everyone else gets poorer. It was founded as the home of democratic government, by the people, for the people: we shouldn't have to listen to politicians give speeches about how they're going to use their political capital to keep themselves in office and their cronies millionaires. It was founded as a place of equal rights and freedom for all: we shouldn't have to worry that we are not going to get medical care, or that women will be allowed to die on hospital floors because some people decided that an unborn fetus is more important than a living woman. It's time for change. Rose Strickman 20782
I am fed up with Bank of America and other big Wall Street banks underwriting dirty coal and wrecking our climate. I am fed up with the inordinate political influence exerted by the richest of the rich. I am fed up with the lack of decent jobs for the 99% while fat CEOs get massive bonuses. Thank you in advance for taking a long hard look at yourself in the mirror, if you can, to justify your nonsense. Respectfuly, Sharon Garlena Frederick, MD 21702
Henry Wells | 0
Mr. Carroll, you and I share a connection, and that connection is the late Mr. Henry Wells, 1805-1878. Without him, you wouldn’t be where you are today, and I would probably be in exactly the same place. You see, Mr. Wells founded your company, Wells Fargo, as well as American Express, and a tiny little school in Aurora, New York called, not surprisingly, Wells College. Wells College is a struggling liberal arts school on a gorgeous campus with inspiring alumni (mostly women), and unique offerings (such as a book arts center). Despite these riches, financially, the school lacks. In 2005, it abandoned its mission as a women’s college and admitted men, ignoring camp-out protests by current students. In 2009, it was still struggling, nearly unable to stay afloat even with an influx of tuition from males. It begged alumnae, dissatisfied with the co-ed decision, for money, and even began asking current students what they could do to remain open. It’s a dire situation, and the loss of such a wonderful school would be a huge one. Recent graduates, who have experienced the struggling atmosphere at Wells College, are hardly in positions to fully support the school. Job offerings for those of us with bachelor’s degrees are negligible, and the jobs we do get barely pay enough to support our rent and bills, let alone allow us to donate large sums to our alma mater. I know, though, that Wells Fargo has donated large sums of money to various organizations, and has the capacity to allow a sister venture to flourish. If donating a lump sum to a particular school is not your thing, consider other methods to make a difference. How might you do that from where you are? You, in your financial state, have much more power than the average Joe. You could support legislation that helps small business, the average worker, the recent graduate, rather than the high-level bank executive. You could publicly support the Occupy Wall Street movement, and commit to doing good. Yes, I am requesting that you put the welfare of the majority of our country before your own paycheck, and that’s a big request, I understand. But I know that Wells Fargo, founded by Henry Wells, has the capacity to be very generous, and can make a real, significant difference. You could set the standard for big banks by supporting the 99%! Thank you,Molly CichyWells College, ‘10Aspiring Humanitarian Photographer
Hi, Glenn! I wanted to write you to get your opinion on something. You see, I don’t know many people who make more then $50,000 a year, let alone what you must be making, so I figure I might as well write and ask someone from a different perspective. Not sure if I just haven’t gotten enough sleep, Glenn (full time undergrad student at a state university that’s been cutting programs left and right — you know the deal, right?) but I kinda feel like the immense concentration of wealth and power in this country is a little undemocratic. Don’t you? Maybe the view is different from up top. But there have been people just like you walking in the streets with us, fighting for real democracy. Not corporate democracy. Chase may be your means of revenue, but most people will not touch a microscopic slice of what you will make in your lifetime. Neither will I (as social work sadly pays crap…what a world), but sometimes there are bigger things people should work for than for money. Come join us on Occupy Wall St! We have seen a surprising number of you guys out here, which is super commendable and selfless, fighting for the masses even though you may not be within it. Plus, I have always wanted to meet a Glenn! Sincerely, Just one of the 99%
A bedtime story | 0
Dear Mr. Carroll, I have been a mortgage customer with Wells Fargo for over 10 years. I’ve given you a lot of business, what with remortgaging the house two times and taking out two home equity lines of credit in order to make home improvements and help my husband start a business. Imagine my dismay last year when I applied for a refinance with Wells Fargo — one in which I could fold in the equity loan into a mortgage at a substantially lower rate than I was paying — and was turned down. I’ve never missed a payment, never even made one late payment on any of the notes Wells Fargo has held! My husband earns a good living! So, I spent the summer working with a local bank securing a refinance. When we closed, the mortgage consultant I worked with told me that my mortgage could be purchased by another bank, but I shouldn’t worry, my conventional rate APR would hold. Imagine my surprise when the very next month, Wells Fargo bought my mortgage back, a mortgage that was now at a lower APR than what Wells Fargo had been offering when I applied for refinancing to begin with. Don’t you think you could have saved us both a lot of time and money if Wells Fargo had only looked favorably on my loan application to begin with? Mr. Carroll, I count myself a very lucky woman. My home is worth more than my mortgage (and I believe that will always be the case, due to its location), but there are so many other people who suffer daily at the hands of monolithic banks such as Wells Fargo — banks that only look at the bottom line without making qualitative decisions that include things like payment history. Let me tell you a bit about myself. After I lost my business ten years ago because of globalization — I couldn’t price my services at a rate to compete with suppliers in Thailand and Romania, I went back to college for a second BA, this one in psychology. After that, I applied to grad school. I’m currently a doctoral candidate training to be a clinical neuropsychologist. Neuropsychologists use objective assessment measures, much like the banking industry does, in order to determine a person’s range of function. But I can tell you one thing — the snapshot one gets from assessing a patient at a single point in time is meaningless without a comprehensive history of how the person has functioned, much like the ratios used for determining loan suitability and credit scores are meaningless without a deeper understanding of a person’s commitment to honoring their debts. Thank you for taking the time to read this email. Thank you for taking the time to read this email. As you’ve probably gathered, I am one of the many people who are angry at the inequalities that have been institutionalized and codified in our government and capitalist economy. But I’m not angry at you. I’m not even angry at the nameless clerk who denied my original refinancing application. We’re all humans, trying to do what’s best as we see fit. I just hope that this email, as well as the many others I’m sure you’ve received, moves you toward a sense of understanding of the frustrations that we incur at the hands of huge banks in their insatiable desire to maximize their profits at the expense of our chance at the American Dream.
I have been with wells fargo a very long time….i am sad to hear the this bank took money as a bail out…. I just lost my business because of the hi cost of doing business….I was not bailed out. Then i hear that new fees are on the way…. Do the right thing…..Daniel Escobedo
Hiya pal | 0
So now you’ve decided the American people should pay for your gambling by moving derivatives from your Merrill Lynch unit to a subsidiary flush with insured deposits. Your days of wine and roses are numbered and you will get no sympathy from the people whose lives your company destroyed.
BAILOUTS=NO BONUSES. Pay back our money. Any institution that received bailout money, DID NOT have a legal right to disburse bonus checks. The money given to you to save your institution belongs to us. No one had the right to disburse bonuses on money LENT to you to keep your organization afloat. It was done as a courtesy to that institution. It is OUR money, the taxpayers of the United States. We demand any bonus money be returned and those failing to do so should be charged with fraud and embezzlement.
Even KINGS and QUEENS can lose their heads when they ignore those they opress. Either adjust to the needs of the masses or become a target for their frustrations! Rain Lee Tijeras, NM 87059
My mortgage | 0
Dear Chase Executives. I am a public school teacher in Vermont. I am 57 years old and a mother of two children who are grown. One is a graduate of Smith College and is working part time as a Reading Recovery teacher. The other dropped out of college due to financial restrictions on our family. I have a mortgage of 137,000. for my two bedroom house. It is very small and neat. I am having trouble meeting my mortgage payments as my salary has taken a cut for the last three years as well as an increase in my insurance costs. When I entered the teaching profession I assumed that I would be able to earn a living wage and retire at 62. My state's retirement fund has taken several losses and now the law has changed so that I cannot retire until I am 68. Can you imagine teaching 15 year olds, with 27 in a class, when you are almost 70 years old?! I cant. I have been a loyal public school teacher for 24 years and I am asking you to please bail me out. I cannot afford what has now become a luxury, home ownership. Some teacher somewhere taught you how to read and write. Can you pay them back by bailing me out? I will forever be grateful and will sing your praises. I will be able to offer my children some help as they continue to search for work. I will contribute to our community with generous donations of food to our local food shelf which is hurting. I know you can afford it, but I dont know if you will do the right thing. Please consider my plea. Sincerely, Cathy Bartolini 101 Lower Stonehouse Mtn Rd Orford, NH 03777 cathy bartolini 03777
Our Home | 0
Sir: I wanted to send you the attached document because I know that someone at your company must have misplaced it. I sent it almost two years ago and despite multiple attempts to contact someone at Chase, regarding this and two subsequent short sale offers, we were never able to reach the right person. I spent over 80 hours on the phone being shuffled from hold on one line to hold on another and the person I was transfered two was, somehow, never the right person who could deal with our home. Your company foreclosed on our home in September 2010. Sincerely, Daniel Nichols Chase Bank PO Box9001871 Louisville,KY40290-1871 877-419-7180 fax October 12, 2009 RE: Hardship Letter - Short Sale for2000 Fox Ridge Road,Lorena,TX76655 Dear Sir or Madam: We purchased the home at2000 Fox Ridge Roadin the summer of 2007. At that time, I was employed with Time Warner Cable inWacoonly a fifteen minute commute from the house. In September of 2008, I was let go by Time Warner Cable and I tried to find comparable work in the area. At the end of October 2008 I was finally able to find work. The job that I found and currently hold is inAustinand over 100 miles from the house at 2000 Fox Ridge. For almost eight months I commuted daily over 200 miles spending more than three hours every day on the road and putting a lot of unnecessary stress on me and my family. In June of 2009 we found a home to rent inAustinand made the move. The house has had very little activity in that time despite the best efforts of ourselves and our realtor and we have lowered the price twice in order to generate more interest. We really love our house, but know that we cannot live in that area and maintain employment. Both of us are now employed in theAustinarea and need to sell the home, avoid foreclosure and salvage our credit. I know that a foreclosure on our records would affect us for years to come. I would ask that you please assist us in avoiding this. Please accept this offer as payment in full. We have been advised to file bankruptcy, but would prefer to avoid further destruction of our credit. I just want to move on and start over. I deeply appreciate your help and understanding in this matter. If you have any questions, or need anything further from me, please contact my agent or me personally. Sincerely, Daniel Nichols Owner of2000 Fox Ridge Road,Lorena,TX Note: the attached offer was only 10% less than what we owed on the house and was $27k more than Chase got at auction.
Dear sir, The ascendancy of corporations over the past fifty years is frightening the citizens of our Republic and the World. While corporations have a legitimate function in our society and have provided many advances for humanity, the total domination of public and private life by corporate influence and intrusion without limitations has has gone way too far. It is time we subordinate commercial pursuits once more to the values and needs of society at large. While profits are an integral part of our economic model, society at large may have higher priorities for communal living. The other corporate goal, externalizing costs, is often in conflict with the needs and goals of the community. So it is time to fit the corporation back into a subordinate role to society, a role that enhances rather than detracts from communal life. It has taken another brush with disaster in 2007, to remind us of the vulnerabilities of society’s wellbeing to unrestrained mercantilism and greed. Our Republic however was founded on the principals of fairness, equality and the happiness of all it’s citizens. While you may think National goals have now been superseded by transnational mercantile dynamics, history has shown that in the final instance, the desires and aspirations of the people trump the narrow interests of the few who seek to impose their will on the many. The long term interest and survival of the world community depends on you to subjugate your corporate pursuits to the interest of the people and become a responsible member of society once more. Thank you.
Just wanted to let you know how it worked out with that credit card you offered me. It only had a $500 limit, so I figured it couldn’t get me into much trouble, and I was careful to pay it off every month. But then, I noticed there was a late fee on my bill. How odd! I took great pains to pay my bill on time, so the following month, I sent in the payment the day I received the bill. Guess what—I still got hit with a late charge! How very strange! I called the customer service number and waited on hold for the longest time, but eventually, one of your employees told me that I really should try harder to send in my payment on time. Would I have to send you a check before I even received my bill?! Long story short, you kept charging me late fees for payments I’d sent in early, then you started to raise my interest rate, and eventually my $500 credit card had a balance of over $8000. At this point, you finally closed my account (thank goodness!), and sent the bill into collections. Now, according to MY records, I’ve sent you a total of $2450 on a $500 loan. I think we’re even. And that’s all the money you’re ever going to get out of me, no matter how many lawyers you suit up, no matter how many times you take me to court, no matter how many collection agencies you send after me, you will never, ever, ever get one more penny out of me. And you can take THAT to the bank.
Truth exposed... | 1
Lloyd… we are in the information age. Do you really think you can get away with playing dumb and not knowing the many criminal activities Goldman Sachs has conspired? Do you really think that justice will not be served for your criminal and greedy practices? If there is one thing I have learned from my life here on earth so far, justice is always served - in one fashion or another and often, in the most unexpected ways.
God's Work | 0
Dear Mr. Blankfein, You once that Goldman Sachs is doing God’s work. However, let me remind you that Jesus drove all the money lenders out of the Temple. Rather, I believe you are doing Satan’s work by destroying the global economy. Thanks for your time.
Why do I get letters from companies offering to lower my interest rate on my mortgage that I have had with your company for years and have never one had a late payment and yet, not one of those letters are coming from your company? Why don’t I have a letter from your company saying ”hey! great Job! Let’s reward you by offering to lower your mortgage interest rate like we could if we gave one damned hoot about you” Nothing would please me more than to watch your next downfall and pray that the government isn’t so kind to people like you. I raise my red plastic cup filled with Budweiser beer in a toast to you and your crystal glasses filled with the finest champagne. Doesn’t it bother you at all that people are struggling will you enjoy your lifestyle? Get out a little! See America! Stand up for what is right for once! God might actually like you a little more if you did!
I will be closing my bank of america account due to B of A’s unjust practices. I will go to a local credit union instead.
Hi! | 0
You and your pals have made it extremely hard for a whole lot of people to just get by. We work hard, pay taxes, try and pay our bills, but you’ve made it really tough to just do that. Please try a little harder to do what you know is right.
Hi Mary: I wanted to get to know you a bit better so I looked you up on Google. Guess what I found??? You and I are just about the same age! Whoa! That’s amazing. AgeTotal Annual Compensation43$3,335,000 USD Of course, according to Bloomberg Businessweek, you make a few million more than I do. That must be nice since it’s getting chilly in New York and you will want to turn on the heat in the house. It got into the 30’s here last night (I live in the mid-west), and I finally had to breakdown and turn my heat on too. I try to hold off as long as possible so we can save some money. I am blessed I can make my house cozy for my daughter at night. Lots of other moms can’t. I was reading the letter of another pen pal suggesting that as a woman you probably had so much trouble getting to where you are, and the “boys” probably wouldn’t have listened to you even if you tried to stop the robbery of the American People, and so all token woman execs should just keep their cash - and leave it to their daughters. Well, I must say I was moved by that thought. I would LOVE to leave my daughter financially secure. Of course in my mind, one year of your salary would be more than enough. I have raised her the way I was raised: that is to know money is not the answer to every problem. But you probably know that already - if you have a child that is. I was raised to have some sense of “enough,” to know what it means to be content and to not want more and more. Do you know what that feeling is like, Mary? I realize that in the game you’ve been playing they want you to believe that there’s never enough - but it’s just more “hair gel” they want you to swish into your banks so you’ll look like a fool. Wall Street, the Fed and all the big banks (and other corporations too) do business on all levels like there’s never enough. That’s why your company feels it’s justified in sharing billions in profits with shareholders while fleecing customers and reducing pay, benefits and jobs within your staff…all while side stepping it’s corporate duty to pay taxes. Well enough of that. You may be wondering why I chose to write you, Mary. I chose to write to you BECAUSE you are a woman. I believe that deep down you have a reverence for creating life rather than destroying life. Sometimes men seem to just enjoy the destroying. Woman, especially ones with kids, know the true power lies in CREATING. Just imagine how the world would be if people like you make Life Affirming choices that helped to create greater prosperity for all, rather than just a few. I mean REAL prosperity - not the kind that only exists on paper. I think this new approach is on the way and we will still need banks and executives to run them. But we need to find people who understand the terms “enough” and who recognize the need to capture the contributions of society that went into making the profits that are not currently reflected on the books. Taxes are supposed to be the way that gets handled, but we see how that hasn’t worked, so I am thinking about major adjustments to corporate charters that define their purpose more broadly than to simply make a profit for shareholders at all costs. What do you think? Are you willing to lead this kind of corporation? One that understands its embeddedness in larger society and in the natural world?One that leaves the world better than it found it for our children? We are looking for a few good woman like you, Mary. Please join the 99% in changing things for the better. Just think, you could be a trend setter. Other bankers fed up with the sacrifices required and the loss of personal integrity will follow your lead. I just know they will Mary! They are just waiting for one to break ranks. Why not you? Stand Up and Be Counted! Gotta run now. I’ll write again soon…. xoxoxoxox,Your Midewest Mom Pen Pal
The time has come to accept responsibility for the breaking of the financial stability of a nation and a planet. This multi-national, global economy is benefiting only a limited number of people on planet earth, about 1% of the 7 billion human inhabitants. The other 99% are fed up and organizing. Be concerned, be very concerned. Or, be the first one on your team to acknowledge responsibility and join the 99% in seeking solutions to the problems created by unrestrained greed. Katherine Price 98584
Because of your unconscionable actions on Wall Street and in your banks, more and more Americans are suffering and having to ask for help from food pantries and homeless shelters, while you take home obscene amounts of money packaged in salaries and bonuses. Many of these men and women have worked all their lives and are professionals, never having to experience these conditions before. How can you continue to walk all over those who have been the backbone of this country? It's time you took a good long look at yourselves and your greed. Frances Barber 24315
Dear Abby, | 0
Hi ! I don’t know you and I don’t even know if you care to know me or my story, but that’s okay. This letter will probably get such a lot of grief off my chest. I chose your name because I guess it seems comforting, for whatever reason my brain believes that. My name is Rachael, I’ll be 22 in November. I live in a small city in Rhode Island, haha then again they all pretty much are. The weather is getting cold, but the skies have been staying clear of rain. Rhode Island has so many beautiful places, if you haven’t visited you should. :] We have a loof carousel at the park nearby, it’s supposedly the oldest stationary loof carouset, it’s lovely. :] Everything that surrounds me is beautiful, but the crisis’s that are going on don’t give anyone time to take in the surroundings anymore. This is my story and I’d appreciate someone to listen. I haven’t made many bad choices in my life and the couple choices people might consider bad, I consider my blessings. I had my daughter at 18 and I just gave birth 6 months ago to a son. My son is living in South Carolina with a family that I found for him - in other words, I had to give him up for adoption. It’s been the hardest emotional thing that I’ve ever had to endure in my lifetime thus far. I grew up with a mom who was abused growing up by her caregiver because her mom was working all the time to provide for her children, her dad died when she was young. I have a father who’s parents had 8 children and his father was a major alcoholic. Regardless of their upbringing they worked hard for a life together. My mom had me at age 20. I have two siblings. Growing up things were really hard. My mom opened her own home daycare and my dad was a plasterer for a company. My mom gets paid from the state since she has parents who can’t afford daycare, even with full time jobs, they all are on state daycare. A lot of the time my mom doesn’t get pay checks ontime making it really hard to pay bills. We’ve had electricity and power shut off multiple times as I was growing up. Jump ahead to the present. As I said, I no longer have my son and it’s extremely difficult to care for my daughter. I started at a community college at 17 but I couldn’t care for a baby, work full time, do homework, and go to college all at the same time. I had to drop out. Everyday I regret keeping my daughter, even though she is my biggest blessing and the reason of my existence to this day. She gives me a life to fight for. Over the past few years I’ve had multiple jobs, Many of them I quit due to bad treatment from managers or because they couldn’t understand circumstances I was in, nor did they care. This summer I worked for a marketing corporation, but many people couldn’t afford the products. I recently got a new job making more than $10 an hour, but at the end of the year all I’ll have to show for it is $8,000. I’ve been on medical for the past year from the pregnancy. My state covers children under 18 and pregnant women. I went to the doctors for a check up a couple weeks ago, I had an ekg done that shows I have an incomplete aorta and a blocked artery in my heart. He booked me a cardiology appointment. My moms father, his brother, his dad, and a few more members in the family all died at 51 by a heart related problem. I just got a letter in the mail today stating my medical is discontinued and I won’t be able to afford these appointments, my job also doesn’t provide medical. I also have many other medical conditions that need treatments that I can’t afford. This is all also ontop of a couple thousand I already owe in medical bills from not having medical before the pregnancy with my son. Moving on from me - into my family as a whole. My dads parents use to own the house I’ve lived in my entire life. My dad and his family grew up here. My grandparents both died in the same car accident in 99’. When that happened the bank got the house, my parents got a loan and were paying the mortgage off, until my father got cancer. My dad couldn’t get medical because my mom made too much money to get any. But medical that we’d pay for was too expensive to pay for. We fund-raised for his medical bills. But even so, my mom got behind on the mortgage. A lot went on and my parents got divorced and the house went to the bank. My mom has fought so hard to keep our house and to continue running her home daycare. She’s done everything she was told she had to do. My aunt use to live on the 2nd and 3rd floor - the bank came and evicted her out the same day. Even though she works 2 or 3 jobs she has a hard time affording rent and her children. Who is a totally different story. My mom was forced to take her in and they’ve been trying to get a new house but their credit isn’t high enough to get any loans. My moms house foreclosed and a rich man that owns all the house’s in my neighborhood bought the house and told my mom she can only stay here if she pays rent and gets rid of her daycare ( her income ) and all of our pets (half our family). Side note - we’ve owned our pets for a very long time. Our oldest in 15 and the youngest is 3. They are our family. As for my dad he can’t work and is on disability which barely covers rent. He gets food stamps which are just enough for a person to live. He is a guy who survived cancer and fought so hard for life - only just to not really have one. He sits home and sleeps or watches some tv. Everyday. He reeks of the smell of whatever it is the treatment has done to him, his house smells like him as well. He volunteers for a church and tried hard everyday to find a meaning in this life we hold. As a result of like, all of this, I was forced to leave my house. I live with my boyfriend - without my daughter. My daughter lives with her grandparents - her fathers parents. Who mind you, aren’t great off either. My daughter’s grandmother’s mom died when she was just 16. She is a lunch lady. They live in her fathers house. I visit my daughter at my moms as much as I can. But once I start work and I get a second job I’ll hardly ever see her. What kind of life is that? To never see family? To have other people raising your children for you? My boyfriend works for a huge marketing company. But since everything is so bad, people can barely afford their homes, never mind products. He sometimes can’t even afford rent for his office. We can’t afford an apartment. Apartments cost anywhere from 750-over a 1000 monthly PLUS a deposit of double the first month’s rent. My car insurance is $200 a month. That’s not including if we want or need t.v. - cable, or internet - if we ever could even afford a laptop or computer. I cry everyday knowing I can barely afford myself, nevermind my daughter. Knowing that I gave my son away because I couldn’t afford him. Let’s see if I covered it all. Medical, cost of living, losing our house, losing our pets, the adopting, my daughter, my mom losing her only source of income, my dad, my daughter’s grandparents on her dad’s side.. Hm. This is what’s on my mind right now.. Now, I know you could have possibly fought your way to the top of where you are. Maybe you understand how hard life is for most of us.. But then again, maybe you don’t. I feel like I’m part of a permanent middle or now currently going - lower class. All I see are people falling apart and lives crumbling around me. From what I know you’re a pretty wealthy person and I don’t know what kind of person you are but I’ll hope for the best and hope that you’re a caring person who cares about the rest of humanity. Maybe you could help us? Where do I go from here? Where could we go from here? I’m trying hard, but what steps can I take from here? Go to college? Everyone I know who went to college is only swarming in debt. I don’t know any other options from here. Maybe you deserve your money. Maybe the rest of us don’t deserve anything. But I really feel we do - we’re human just like you. All I know is that you should love your life, you should have a beautiful family if you don’t already, and you should be so happy and excited that you get to LIVE. I’m thankful everyday for my daughter even if I can’t see her much, for a roof over my head even though it’s not the best situation, for the food I get to eat, for the money my boyfriend and I do have to slowly get the things we need for winter, I’m thankful. But at the same time, it’s all such a struggle and I wish everyday that I could have a chance to actually live life. You have that and I envy you for it. Thank you for reading if you did… sorry for such a long letter. But it feels better to finally explain my stress and pain. As your pen pal I’d love to hear anything you’d have to share back and anything about your own life and experiences. I’d really appreciate you to respond and to know you hold some understanding. I hope you have a wonderful day and maybe get some time out to take a look at nature and feel blessed for everything you have. sincerely, Rachael.