Manns Medium

I find it quite ironic sometimes when people or a group of people tends to blame their circumstances on a few.  Regardless of how true it may be or how perception makes it appear true one thing is for certain.  We jail people for selling drugs on the street but reside in a country that is the biggest supplier of drugs and we claim that government and politicians control the blood flow of a nation when we know that this is not the case and clearly see examples of these very people and entities being controlled by that one group of men/women who cater to or control that one huge slave master we all serve whether we wish to or not.  That slave master is those who created and control the algorithms’ which create and measure all human being s by what we refer to as a credit score.  So let’s take a few minutes to greet our slave masters and take this time to appreciate what we have allowed them to do to us. Now we know that no credit score or any piece of paper can tr...

I have been searching to a better way to write this but noting comes to mind so instead of racking my brain trying to come up with a much more digestible way to word this, I am going to just say it. Some wishes you to believe that the economy of America is not coming back and they cite so many reasons as to why.  Some wishes you to believe that the economy of America is coming back and they also cite so many reasons why but to every single unemployed person in America and for those struggling to make ends meet, both sides seem to be talking out of the sides of their necks.  Many wish to pinpoint the problem so that it may be addressed and others wish to blame the lack of jobs as a reason for the riots in Baltimore and the over-all feeling of disenfranchisement felt by the majority of those.  I think the culprit is simply three and as long as the power to decide are left in the control of them, this economy whether coming back or not will never each the apex of what i...

In the beginning, there were actual flesh and blood people working in a capacity called “human resources”.   In that capacity, many were tasked with the job of shifting through resumes trying to find the perfect candidate to fill an open position at a company.   As the ability of human resources managers began to fail, business owners started to look for a more precise and less expensive way to handle this issue.   They refused to invest any money into better training for the human resources personnel and thought it best to spend money on a computer software system combined with an outsourced recruiter to accomplish this mission.   The promise was better, more qualified and more able applicants to fill that job.   Their promise would never be delivered upon. What they ended up with was the very same fiasco that has befallen the credit industry.    They ended up with people called recruiters who have no connections to their company and therefore ...

To many the words according to Ken Clark, a debt/credit expert and certified financial planner, are all but true.   He is quoted as saying that quite simply, your credit score summarizes your credit risk based on a snapshot of your credit standing at a particular point in time. It’s an overall assessment of your financial responsibility (Rate Nerd).   Then there are those who take on the view of the Manhattan Financial Group who states “t ypically, a person with a bad credit score is in this position because they lack structure in their life. There are, of course, cases where unplanned health or employment complications are to blame, but for the most part, these are individuals who lack the discipline to pay their bills on time or curb their spending.”   So who’s right or are they both correct? Origin To begin to understand the importance of this article we must first review. “ Equifax is the oldest of the three bureaus, having been founded in 1899 as Retail Credit Com...