letters and counting!
Hello, I don't know you. You don't know me. And that's a reason I'm pulling all of my money from Wells Fargo and putting in a local community bank. It;s not a lot of money to you or your bank, but it's over 6 figures. I'm one of the 2%-ers, and it's not personal, as I have a job and good life. It's just the patriotic thing to do. Big banks like yours simply have too much power, which you use solely to attain more power. We must protect ourselves and our country from the likes of Wells Fargo and the people who control it.
I didn't even finish enrolling in some stupid program I was offered online while signed into my credit card account. As soon as I saw it was something I had to pay for I closed the window and for weeks after that I saw a message on my account saying "Please complete your enrollment" SO I pay off my card using most of my savings and I don't check it for a while because I know there is a 0 balance. Well, I got charged the $8 for the program I didn't finish enrolling for and two late fees because I didn't know I was paying for this thing I didn't want.
Your Bio | 3
I was curious about just who you were so I goggled you. I found that you are known for your trading floor war cry: "there's blood in the water let's go kill!'" Good grief John I would think by now you should have had enough.
Before you reach down in the back pocket of your designer pants. Please do a quick favor, look outside your window. Look outside at Wall Street. All those protesters are lined up because of the problem that was artificially created by poor management of the banks Please do America a favor and put our money back to work and manage it more wisely Thanks.
Hello Catherine, | 1
I'm not sure how difficult it is for you to recognize that those you walk next to on the street are human beings. Perhaps you assume they are invisible? Perhaps animals? Perhaps insects? Possibly slaves? Very rarely do people who can recognize that those around them are human act the way you act. Maybe it would be a better explanation that you are the one who is not human? Maybe you don't deserve to be considered a human being for the things you do and what you have done? Do you ever ask yrself these questions? Do you ever feel ashamed that you have done nothing to deserve the dignity of being considered a human being? Does it ever strike you that all of us you consider less than human - we that are invisible, are animals, are insects, and are slaves - that we think you are less than human? I'm not sure what opportunities for redemption you have, but if I were you, I would not be able to sleep at night. Get better (as I'm certain you are ill)
In 1854, my direct ancestor George Peabody helped Junius Spencer Morgan create the partnership Peabody, Morgan & Co. J.P. Morgan is a direct descendant of this bank. The truly ironic outcome of this was my family. First of all, I'm an eighteen year-old high school student two months from graduation. I scored a 2010 on my SAT, have received recruitment letters from Harvard, Yale, and Princeton, and I'm going to college in-state at Franklin College, Indiana. Why? Because I'm broke, sir. That's why. My family made $29,000 last year. My mother is a displaced worker, laid-off in 2004, and my father is in and out of the hospital every other week. They own their own business, Duff Auto Sales LLC, but have yet to see much of a profit. I am the granddaughter and daughter of UAW members. I am what the bankers hate. I am the sob story. I'm the untapped potential, untapped solely because of my economic status. Do something for me. Help me go further. Help me have a family one day, one that doesn't fear foreclosure or move upwards of ten times in two years. My family was homeless this year because of a house fire and didn't move out of the house only because they were so desperate to keep me in one home so that I could finally graduate high school somewhere I was familiar with. Do something for me. Make it easier. Stop serving yourself and please, help the descendant of the "father of modern philanthropy." He helped build you. I'm sure you could help me.
Hi Lloyd, So I just read online that your salary in 2010 -- including all of those delightful perks that just put a smile on one's face -- as $19.06 million. And your hourly wage is $9,165. That's great! Do you even collect that much when you take lunch? Do you realize that by working a mere 2 hours you earn as much as someone who works full time at minimum wage earns in a year? Wondering if I could have your job for say, 3 hours a week. Would that be too much to ask? You can leave the stuff that you don't like about your job to me: Talking to the press about Occupy Wall Street, testifying at hearings about Board Members who are charged with insider trading. You know, all that icky stuff. You can still wheel-and-deal and be your macho master-of-the-universe self. I'll just do the 3 hours of grunt work you don't like each week. What do you say, Lloyd? Deal?
You are under arrest for suspected fraud. Where have you stashed the stolen billions?
We would like to ask you as a decent human being and I am sure you are that, to stop all foreclosures by your company. Business school taught you to be heartless but I am sure your church, your parents, your friends teach you to be better than that. So stop thinking with the bottom line and think with your heart , In the long run your bottom line will be okay and you will feel a lot better about your self
Sure, you have an important job to do, and you probably do it well. And you get compensated for it and live very comfortably. You must have the jet, the boat, the second and third homes, the Jimmy Choo shoes for your wife and the Prada clothes. They are necessities and by golly, you earned them. Oh, and you have a lot of lawyers and accountants to make sure that you don't pay very much in taxes. That's helpful, too. So, its important that your bank has a lot of cash for itself, not for loans, but just sitting around. That's why you raised your fees, right? Well, most everyone I know (we're in the 90% bracket, I think), feels that you have done an enormous disservice to your customers and to yourselves. Creating that fee for debit cards makes you look like Scrooge (or worse - - maybe Marie Antoinette) and really truly enrages all of us little folks. We all hate you now. What could you have done instead? What will you do now? I imagine you will do nothing. Being rich means you don't have to pay attention to what is happening to the other 99 percent. But at least we are paying attention to you now, and not in a good way. Sincerely, Closed my BOA account today
Hi Lloyd, I was delighted to see that you "joked" with the London Times about doing "God's work," apparently the same year you topped the Forbes charts as most outrageous CEO of 2009. I am so glad you've been able to weather the economic crisis with such good humor. Also, kudos for sticking to your guns and denying that you had any obligation to tell clients that your firm was betting against the very investments you sold them. Its good to see a man of principle do so well for himself!!! I would ask you how you sleep at night (sadly my money woes keep me up at night, and I could use the advise), but I am guessing its on a great, big, bed of money and stock options, which I just don't have. :( Stupidly, as a teacher I guess I worked hard, but not smart - unlike you, a great American hero. Your friend in middle America, Valerie
More Budget cuts | 1
Dear Jay Mandelbaum et al, I appreciate you taking a moment out of your busy day to hear my story. My husband and I live a quiet and happy life in our modest home in Northern California. We are taxpayers and we vote. We have little savings, minimal health insurance and are at risk of losing our jobs each time the State Legislature tries to pass their budget. We have been working with adults with developmental disabilities for over three years now. We work as Direct Support Professionals, helping our clients do things they can't do for themselves so that they can remain in their homes and communities. The California State legislature continues to threaten cuts in services to this population at least once per year due to lack of money. Additionally, it was recently decided that Medicare will no longer cover dental care for recipients of SSI. Our clients are having their teeth pulled instead of receiving the preventative treatments to remain healthy. Our agency, as well as the Regional Center and other related agencies have been forced into unpaid furlough days in order to save money each time the budget takes another hit. We are hoping to keep our jobs and, if our agency does have to close it's doors due to lack of funding, we will (hopefully) find new jobs. The real concern we have is what will this population of our most vulnerable citizens do without services? Daily we are disheartened to hear of the great profits that your bank and others continue to receive, year after year. We helped you with TARP money after you nearly destroyed our economy. (Due to lack of government regulation that you purchased from congress, by the way.) After receiving our tax dollars, your executives continued to earn bonuses in addition to generous salaries. So my tax dollars went to pay your salary when they could have been used to help the needy (or education or environmental concerns or creating jobs, etc.). I'm not saying you don't deserve the very best, but at what cost to the taxpayers? There are many people suffering out here and you need to know about it. I have been a loyal customer of Chase Bank, formerly Washington Mutual, since 1996. My home loan, car loan and two credit cards along with savings and checking have been serviced by your bank. My husband has banked with you for five years now. We have decided to close all our bank accounts and move them to our local credit union. Hopefully, in our small way, we can help redistribute the wealth to banks that are available to help the people of the local communities. Nothing personal, you understand. I just can't support an institution that 1) takes tax payers money with impunity and 2) has corrupted the laws of our great country with their wealth. I wish you and your families the best. My hope is that one day this country will truly be a land where ALL can prosper. Truly, Dana Ballard Vaughn
true american | 0
"But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their RIGHT, it is their DUTY, to throw off such Government, and provide new Guards for their future security." excerpt form declaration of independence soon you WILL be equal to US. you WILL respect us you Will treat us with humility WE ARE HUMANS DAM IT WE HAVE VALUE you will fall and become part of the 99% only then will we be undivided and become a nation once again
Dear Stephanie, I am not a perfect person or mother or housekeeper or even wife. But I tried very hard. I had fallen in love with my husband when I was 14 and we married eight years later and then had four beautiful children. After ten years of marriage and at the birth of my last child, we evaluated our priorities and it was decided that I would quit my decent-paying job with insurance and retirement so I could stay home with our four children. Times were tough, money was tight, and vacations were rare. My husband worked long hours and was home very seldom but we thought we were doing the right thing for our family. We cashed out my retirement and used it for a down payment on an old-fixer-upper house. (By "old", I mean it was built in 1908!) It was within our budget, met our needs, and we spent many hours working on it. I will never forget moving in... my husband was working so I would take our car to the rental we had been living in and load what I could, with the babies in their car seats, and drive back to my new home and unload. And repeat. My two older children (about 8 and 9) would use a little red wagon to bring small items back and forth as well (it was only about five blocks away). Over the next ten years, I planted trees, flowers, scraped paint, sanded, stained, etc. We remodeled the two bathrooms and added a half-bath. All of this in bits and pieces as we could afford it... a can of paint here, a plumbing fixture there. It sometimes felt like that Johnny Cash song "One Piece At A Time", but again... it was our HOME. Then life changed dramatically. My husband and I divorced. I hadn't been in the workforce for almost ten years so I had trouble finding a job especially in my small rural town. As a single parent, I couldn't relocate for many reasons nor could I afford to commute with the current cost of gas and the age/unreliability of my van. I finally found steady work but it is nothing like what I'm qualified for and there are no benefits to speak of. I make less than $10 an hour. But I was still making it. I had struggled with keeping up my mortgage payments during the time after my husband moved out and I found a job, but once I was employed, I made a large payment and made every monthly payment on time and in full after that. I had understood that if I did that for a full year, then I could refinance my home to (1) get my ex husband's name off of the title and (2) get a lower interest rate (I was paying 9%). I was so looking forward to the end of that year! In May of 2010, after one year of making all of my payments, I received a phone call. My mortgage had been doubled. They refused to work with me in any way. They told me that I could afford the increased amount. They told me that if I didn't agree to it RIGHT NOW then the file was already on the attorney's desk and foreclosure would begin. They demanded a chunk of money within 24 hours to get it off the desk and stop foreclosure. I was SHOCKED and SCARED and TERRIFIED. I had no idea what to do but to agree. So I did. I immediately started to see if I could get refinanced. My mortgage company said that they would not modify my loan because I had equity in my home. I tried to go somewhere else. I learned that the mortgage company had reported to the credit agencies that my payments had been 180 days past due EVERY MONTH FOR THE PAST 18 MONTHS. Even though I made my payments ON TIME and IN FULL. Even though my payment stubs did not make any mention of any past due amount. No other mortgage company would TOUCH me. I was told as long as I was current (which according to the payment stubs, I was current), I couldn't get assistance. And then I was told since I was behind, other programs wouldn't work with me either. I'm panicking, I'm confused, I don't understand, I don't know what to do. And then... I broke my leg. I have no insurance and my job requires me to be able to walk. I missed over two months of work. (I consider myself VERY fortunate because my boss did save my position.) By the time I returned to work, I was so far in the hole that I couldn't see a glimmer of light. Everywhere I looked for help, I was turned down. (Not help as in "give me money" but help with making arrangements so I could pay my own bills.) I could not believe that the mortgage company could take my home! We had lived there for ten years! I had over $40,000 in equity and only owed $42,000. How could they not work with me? Why would THEY want my house? But they did. They took my home. My trees. My sanded floors. My paint. The flowerbeds my kids help me dig. My flowers that I had planted from starts from family members and friends. That's the emotional loss. The financial loss is even worse. Not only did I use my retirement for the original down payment, but I also traded my interest in my husband's retirement for his share of the house. That was my financial security for my old age. I'm 44 years old, working graveyard shifts at a little over minimum wage, no education, no savings, no retirement, no assets. I have two children left at home and I can't even help my older two with college. My home was my security for when I was elderly. And now I have nothing. I don't understand what I did wrong. I was making my payments. Why would they demand an $1100 month payment on a loan where I only owed $42,000 left and was paying 9% interest?? My future is looking less and less optimistic. I wasn't living above my means... I was working hard and holding my end of the bargain. Why couldn't they have worked with me? I don't know if any of this matters to you, or if you can relate, or if you have even read this far. I don't know if you have ever been in a position of financial insecurity or if you've always had your needs met. If you live in New York, I know the cost of living is astronomical there so you might be thinking "You're complaining about $1100 for a mortgage payment?" But I live in rural Idaho. My town population is under 5,000. We have very few jobs available and a high poverty rate. I'd planned on returning to school and becoming a teacher but until things stabilized financially, I couldn't take on any more stress. My income is less than $1300 a month and I do keep looking for other jobs. Before I became a stay at home mom, I was making better money as an office manager at the local junior college (40 miles away). But like I said, I can't commute now due to fuel costs and age of my car. We don't have public transportation out here. I'm not a bad person... I'm a Scout leader, I coordinate blood drives, I've been a Jaycee and a Grange member, I taught Sunday School and VBS, I give to my community. My mom is in the Peace Corps. My brother was a Marine who was killed in Iraq. My children are responsible citizens as well. We try to do the right thing for our communities and our world. We are not lazy people expecting others to bail us out or give us handouts. I only owed $42,000 on my home. And they took it. From me and my children. That can't be right or fair. Sincerely, Diana Rowe Gooding, ID
Hi Joe, Your company's call to charge us customers $5 a month for the "privilege" of using a bank card was the straw that broke the camel's back. Subsequent research into BofA's corrupt backroom dealings and political manipulation are the cherry on top. Not only have I closed my accounts with BofA (nearly 20 years after my original bank-of-choice, Security Pacific, was swept up in a merger) and joined a friendly credit union that charges no such fees - neither for the card or for checking, a service your bank was charging me $14 a month for if I didn't keep a minimum balance - but I will also be encouraging absolutely everyone in my network of over 600 friends on Facebook to do the same. Welcome to the new world of banking! Sincerely, Jon B.
Dear Executive, Hi there. I know that no one is probably reading this in reality, but I thought it might be nice to send a message to say thanks for nothing. I am supporting the occupy movement because I have done everything right, got a bachelor's degree, got a good job, and I am still barely scraping by because my student loan debt is crushing me. I can't start my family like I want to because I have no health care and no money to raise a child. We can't vote ourselves out of this because our culture has become so corrupt with the richest people having the most influence, instead of the majority having the most influence. Corporate crime is almost unpunished, and the poor are given decades in prison for petty crimes. My generation is sick of it, sick of being poor, and sick of getting nowhere, so we're here to occupy and shake things up. I bet you thought this was a fad, huh? Well, when people's lives and livelihoods are at stake, and they have nothing to lose, they don't just protest for a day and forget about it. See you around.
I was just wondering if you could fill me in on how to not get fired when you're horrible at your job? I saw some people got to "resign" and then get rewarded with million dollar contracts. That seems pretty cool. And how to avoid being indicted when you obviously broke the law? It's the least you can do for the people seeing as how america bailed you out. Does playing dumb really work? Because it seems like it did in your case... If you really felt bad about what happened, you should have cut bonuses and offered up some of your money when shit hit the fan. But instead you rewarded yourself some more. So I guess the bonus was really for just showing up. I hope the saying "cheaters never prosper" turns true in your case. A good starting point for you would be to stop stealing, stop cheating, and get your corporate money out of politics. I would like to see the Justice Department bring charges. Seems like a matter that is worth my time so hopefully I can help push that along.
You have a unique opportunity at this time in history to make significant changes. You could choose to make the world a better place by putting into place checks and balances to improve the banking and financial institutions. You could choose to support, even champion regulation that would make sure that profits do not entice corporate behavior that goes against humanity. I encourage you to take a moment today to thing about what good you could do to make the United States and the world a better place. You are obviously incredibly intelligent, do something that would make your family proud not just rich. You can make a real difference, today. Thank you.
Dear, board members and executives, How are you today? Well I hope. I hope that this letter finds you in good health. It is my express wish that you are comfortable, that you have food on your table, the medical care that you deserve, and a roof over your head. I hope that your family gets everything that they need. These are things that I feel every person who shares this Earth is entitled to. Now, I really want you to think about what you have, and what that would mean to you if it was all stripped away. Taken away because the leaders of the company you work for felt that they deserves more than what they are earning. How would you feel if you were told your job was no longer needed, that it was going to be given to someone else in another country because they can be paid ¼ the cost of what your company spend to pay you and provide benefits. Now imagine, gods forbid that you become ill with some life threatening disease. You have no medical insurance and when you try to find one they say they wont pay for your doctors visit because this fatal disease you have is not covered or was a ‘pre-existing condition’. Now try to pay for the medical costs on your own. Imagine you somehow manage to find medical care, and pay out of your pocket the expense, and can finally begin looking for work. Months and months pass with rejections, or with your too ‘over qualified’ for the jobs that you are looking for. The job you find doesn’t pay for the expense and costs of the home that you’ve lived in for years. The house you raised your children in, or grew up in. The bank you owe your mortgage to says that you have to pay up, or they will foreclose on you. You loose your home and have to move into a home or apartment that is too small and costs too much, or goodness forbid you can’t get a home because you’ve burned through your savings while looking for a new job, and paying for your health problems, and taking care of your family. This is what it is like for many Americans right now. They are barely scraping by or not at all. I am a person who was raised in the system, my mother raised my sister and I while having to depend on the system to keep her afloat. I’ve been very fortunate in my adult life not to have had to do the same. My husband has been VERY fortunate to have a what we feel is a well paying job, with good benefits. But, we are still considered below poverty level. I am not writing on behalf of myself or my family. We have what we need, with out any wiggle room. But, we put food on the table, have a roof over our heads, and are taken care of as best we can. We don’t NEED to get assistance. I am writing because I know many who don’t get what my family is so fortunate to have right now. What they need are basics. The same thing every person deserves to have. Unfortunately for them, a very small number of people in this country believe that they have the ‘right’ to live by what most would consider extravagant means. They have 4+ bedroom homes usually that costs more than $200,000. (yes that may seem like a cheap home to you, but most Americans can’t afford something that expensive $100,000 is a stretch) some have more than one home, they have multiple high end cars, jobs that offer vacation time, and excess money in their bank accounts. They can afford to put their kids through college without the need of scholarships. Heath isn’t an issue for them because they can afford to pay doctors. If something bad happens such as a car breaking down, or an accident that puts them in the hospital its fine their bank accounts wont be wiped out. The rest of America is suffering, there are record highs of unemployment. The aid that the government gives is buckling under the strain. It wasn’t meant to support so many. Yet, here we are with thousands of families. Not single individuals, but FAMILIES, that are being treated like trash and riffraff. More hand outs isn’t the answer. I’m not going to say give MORE free money to the people. There are many who abuse it, who make it a career of sapping the government programs for all they have. But, that is NOT the majority of who is using it. I’m sure you are aware of the #OccupyWallStreet movement. The Occupytogether movement that branched from it, and the thousands of people who are standing up and trying to point out that something is wrong. One would have to be blind and living under a rock to have not heard about it by now. I know it seems like we don’t have a solid objective. I’d have to agree that many groups seem to be disorganized and standing for nothing. However, they are all there standing together as a whole, because the system is broken. There isn’t any one part that is most broken, but a conglomerate of many things that need to be addressed and fixed. Education, Heath care, Work Availability to name a few. They are all there for different reasons, working for the betterment of the WHOLE. This movement is also not just a group of liberal jobless hippies. Its not a case of right vs. left, it’s a case of right vs. wrong. We the 99% are made up of liberals, republicans, democrats, etc…. many from different walks of life. We can see something is wrong, why cant the rest of the world? Why can’t you? No one has been held accountable for their actions that has led to the turmoil that the people are suffering. We want those responsible to be punished, and the wrongs they have committed to be put right. Just because there wasn’t a law saying their practices weren’t illegal doesn’t mean they should have exploited it. The existence of such laws weren’t needed and shouldn’t have been needed if what they were doing was ethical. Apparently however more ethics need to be taught. It’s time that we stop thinking of just ourselves. We as a people, both the 99% AND the 1% need to work together. We are not asking for handouts. We are asking for the most wealthy, the small few that hold the majority of the nations wealth to pay their FAIR share. Large corporations should not be TAX FREE. There is something wrong with the system when a single individual pays more in taxes than a corporation does. Many corporations and banks have paid NO taxes. I don’t understand why or how that can be. Any other business in this country pays taxes, its employees pay taxes, but for some reason that is beyond my comprehension, these corporations are not, and feel they are exempt?!! I wont even go into the issue of money in government too much, it’s a whole bad egg in itself. What I will say however is that Corporations are NOT people, and a $ does not equal a vote. Money and politics should not go hand in hand. The idea of ‘capitalism’ has become corrupt. It’s not working. A median has to be made, a balance if you will. No system can be successful if there is not a balance. It only leads to misconduct and chaos. Humankind can not evolve and move forward unless we as humans look out for one another, AND our planet as a whole. No one person is more important than another no one species. We are all responsible for taking care of one another and our planet. Unethical business practices have taken a toll on both the Earth, and on the people. So, please stop looking to the protesters as the problem. It is only a symptom. We number in the thousands, across the globe. There is not any one continent that isn’t seeing this movement take hold. A new awareness is being awakened. Don’t be a part of the problem, but a part of the solution. If you don’t like what’s happening get informed, look at the facts and be a part of what its going to take to fix it. Yes, it’s a big mess, its going to take A LOT of work to clean it up. No one likes to clean up messes, but its what has to happen. Not everyone will be happy with the changes that need to come. But, we need to stop thinking of ourselves. We need to reach out to our friends, family, neighbors, communities and get to know one another again. Learn each others names, each others needs, and give so everyone has what they NEED. That may mean the rich are less rich, that their cushy lifestyles will have to change (yes that means you) but no body should live in the lap of luxury when there are people suffering. I am the 99%, and I am calling for change, I want to help. Don’t you?
homeless | 1
hi Susan, I wonder if you have any idea what it is like to be homeless at 55 years old when you have been financially responsible all your life. How about a job loss and a marriage to go with it? All you people who have participated in the bailout, and profited by it, at the expense of the American people will understand one day. Jesus said, "what does it profit a man/woman to gain the whole world and lose hi/her own soul? Jill
hi friend | 0
Hello Julie, I am writing today as one of your bosses. I know you have thousands perhaps even millions of bosses. We can sometimes be obnoxious. This is, perhaps, one of those moments. I just wanted to write you and tell you that as of yet I have not deleted my bank account, but I may. I know you recently acquired Wachovia (That's how you got me). So you have LOADS of stress, but I just wanted to let you know that I am trusting you with my money. Don't do evil things with it. See I am a Christian preacher, and I thought you might want to know that God pronounced woe's on the rich. In fact Jesus tells a parable of a rich man getting killed by God the day he re-invests. Money isn't everything, so change your procedures. Pay the bottom more and yourself less. Also fear God, and not because of hell, but because God is alive and capable of moving. Additionally God is capable of making you humble. This is not a threat, just a reminder. I pray that you live long and share your wealth appropriately. I occupy, but I do so with an eye for justice. Thank you for all of your hard work, just share more. Ryan Quanstrom
Please stop | 0
We don't need a revolution just stop being greedy give a little up this way we don't have to expose the truth.... I am closing my chase account today and switching to a credit union and I will have many following taking money out of your bank system
Your bank now charges $7.50 to cash your own damn check, my local check cashing place charges $3.00 to cash any check....Are you morons or is this a desperate attempt to grab as much money as you can before you get kncked down.... #OWS and Friends
I have been banking with Wells Fargo, when it was known as First Union Bank, then it became Wachovia. I have fair credit score, my Interest rate on my FHA loan is 6 %, with Midland mortgage, my second mortgage is with Wellsfargo and the interest rate is over 7 %, I am really going through rough times financially because of job situation, I asked my bank to help me but they said I have to be delinquent before my bank can help me, is that true? One has to be delinquent to get help? I have not had study employment in last 3 years so i can not proof income, no one is helping me, No One. Can you help a American Citizen family of four. Can you Help???
Everyday I wake up at 5:00pm take a shower, walk my puppy come back and eat. Tuesdays, wednesdays and thursdays I go to community college for 2-3 hours then come home by that time its about ,10 or 1030pm deoendepending on what class I have. Then my girlfriend makes my lunch and im off to work by 1130 pm ... Yes pm. I work 56 hours a week third shift for caterpillar. Im a union worker with the UAW, working as much as i do and going to school is a challenge especially when the union had to take a hit in pay. We lost 20% of our pay rate in 2006 yet caterpillar has since reported a 44% increase in profit. I personally pay all the bills in my household since the only job my girlfriend could find while going to school only allows her 5 to10 hours a week. I also have 8000 in hospital bills and have a hernia. Hemoroids. Ingrown toe nail that needs surgery and over 4000 dollars worth of dental work soon or ill lose some of my teeth. ive been living on my own for 5 years now barely scraping by thanks to multimillion dollar companies that feel all their employees deserve.minimal pay rates. Ive lived on my own bevause my parents dont have jobs that can support another oerson in their household (theyve been separated since I was born and neither have remarried) im only 22 and I cant afford anything. Not even to fix my teeth I am not a person who doesnt take care of myself. But I never had dental insurance and required my wisdom teeth pulled. Paid for it. How am I suppose to keep my teeth? what do I do about my hernia and hemoroids? Am I suppose to settle with the fact everything i dont have is things that you can have at a whim? Whats it like having money to not have chrnoic fatigue like I do? What about a hernia that I have to work with everyday? Or hemoroids I can never afford the surgery to do? Or the fact I migjt lose some of my teeth at 22? I wish I made.1/10 of the money you do. Ma th be then I could live a healthier life. Until that happens what little money I can save will be going to try to fix my teeth. Can you imagine losing teeth when you turn 23? That would reallly suck wouldnt it... Feel free to answer these questions if you read this Jeremy d mendoza Aurora il [email protected] Current bank of america customer ( not for much longer)