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The results of this past election proved once again that the Democrats had a golden opportunity to capitalize on the failings of the Trump Presidency but, fell short of a nation wide mandate. A mandate to seize the gauntlet of the progressive movement that Senator Sanders through down a little over four years ago. The opportunities were there from the very beginning even before this pandemic struck. In their failing to educate the public of the consequences of continued Congressional gridlock, conservatism, and what National Economic Reform’s Ten Articles of Confederation would do led to the results that are playing out today.. More Congressional gridlock, more conservatism and more suffering of millions of Americans are the direct consequences of the Democrats failure to communicate and educate the public. Educate the public that a progressive agenda is necessary to pull the United States out of this Pandemic, and restore this nations health and vitality.

It was the DNC’s intent in this election to only focus on the Trump Administration. They failed to grasp the urgency of the times. They also failed to communicate with the public about the dire conditions millions have been and still are facing even before the Pandemic. The billions of dollars funneled into campaign coffers should have been used to educate the voting public that creating a unified coalition would bring sweeping reforms that are so desperately needed. The reality of what transpired in a year and a half of political campaigning those billions of dollars only created more animosity and division polarizing one extreme over another.

One can remember back in 1992 Ross Perot used his own funds to go on national TV to educate the public on the dire ramifications of not addressing our national debt. That same approach should have been used during this election cycle. By using the medium of television to communicate and educate the public is the most effective way in communicating and educating the public. Had the Biden campaign and the DNC used their resources in this way the results we ae seeing today would have not created the potential for more gridlock in our government. The opportunity was there to educate the public of safety protocols during the siege of this pandemic and how National Economic Reform’s Ten Articles of Confederation provides the necessary progressive reforms that will propel the United States out of the abyss of debt and restore our economy. Restoring our economy so that every American will have the means and the availability of financial and economic security.

The failure of the Democratic party since 2016 has been recruiting a Presidential Candidate who many felt was questionable and more conservative signals that the results of today has not met with the desired results the Democratic party wanted. Then again? By not fully communicating and not educating the public on the merits of a unified progressive platform has left the United States transfixed in our greatest divides since the Civil War. This writers support of Senator Bernie Sanders is well documented. Since 2015 he has laid the groundwork for progressive reforms. He also has the foundations on which these reforms can deliver the goods as they say. But, what did the DNC do, they purposely went out of their way to engineer a candidate who was more in tune with the status-quo of the DNC. They failed to communicate to the public in educating all of us on the ways our lives would be better served with a progressive agenda that was the benchmark of Senators Sanders Presidential campaign and his Our Revolution movement. And this is way there is still really no progress in creating a less toxic environment in Washington and around the country.

If you have extremely bad credit and find yourself in a financial bind, one of the few kinds of financing you can turn to is payday loans. In recent years, it’s become easier and easier to obtain payday loans, and more cash advance stores have popped up in the US than there are McDonald’s and Starbucks combined. The money comes with no restrictions on it and can be obtained within minutes of filling out the application.However, payday loans have a darker side. They should only be used as an emergency funding source when they are really needed, and should not replace fiscal responsibility or other means as a regular source of funds. If they do, you can end up in a trap and pay several hundred percent interest each year on small loans.What is a Payday Loan?A payday loan is a short term loan given in small amounts of money, usually in the range of $100 to $500 depending on the size of your paycheck. The lender then charges a certain fee, usually around $10 to $20, and you pay the loan back with the fee you’re your next paycheck is issued. There are no credit checks involved in the application process so anyone can applyIn order to get approved you to only meet a few general criteria. You must be 18 years old and have a checking account and a steady job. The application process only involves the gathering of basic information such as your name, employment, address, and banking information. The money usually gets put in your account the same day, many times a few hours or minutes after your apply.What a Payday Loan Should be Used ForA payday loan should only be used in emergencies and to meet very short term needs that you absolutely cannot wait to get money for. In this circumstance and this circumstance only should you take out a payday loan and pay it back with your very next check. Never make a habit out of using them.The Dangers of Payday LoansPayday loans are dangerous because they get people into a trap. If you can’t afford certain expenses this payday, odds are you’re not going to be able to afford them next payday either, especially after losing a few hundred dollars to pay back your loan. The loan companies know this and will gladly roll over your loan for you, granted that you pay them the interest and fees due for this payday. If you get caught in this trap, you will end up paying huge amounts in interest by the time you can pay off the loan.As an example, assume you borrow $200 and pay $20 in fees for the service, which is at the low end of the spectrum. You pay this every two weeks until you can pay the loan off. Within 10 pay periods (20 weeks) you will have paid as much in interest as you paid on the original loan. If you carry the loan over the entire year, you’ll have ended up paying $520 in interest, which works out to 260% annually. Compare this rate to credit cards, which are considered to have high rates, but they only charge 20 to 30% annually on their cards! This fact makes payday loans an industry on the fringes of society because many of them prey on the poorer elements of society.If you are thinking about taking out a payday loan, make sure that you do your research. Be aware of all the terms and conditions that may apply. The internet makes comparison shopping easy; make sure you take advantage of this to save a few dollars on fees each payday. But above all take a serious look at your financial situation. See why you need to take out a payday loan and do everything in your power to eliminate this need in the future. It may be hard to cut your spending and save money, but it’s better than falling into a cycle of debt from which you might not be able to dig yourself out of.