Matthew Good

The Money Survey

Question 1:  Would it be valuable to you if your employer offered a low cost ($5 per use), automated program that gave you instant access to earned wages before payday?

[  ] Yes [  ] No

Question 2:  Would you consider using such a program?

[  ] Yes [  ] No

Question 3:  Would you be more likely to stay with or join a company that offered such a program?

[  ] Yes [  ] No

Question 4:  How often do you have trouble paying your weekly expenses?

[  ] Never [  ] Every week [  ] About once per month [  ] Several times per year [  ] Once per year

Question 5:  Not counting your mortgage and car loan, how much debt do you have?

[  ] None [  ] Less than $1,000 [  ] $1000 - $2,500 [  ] More than $2,500 [  ] Not sure

Question 6:  Do you use your credit card to pay bills?

[  ] Yes (skip to question 8) [  ] No

Question 7:  Why have you not used your credit card to pay bills?

[  ] Don’t own a credit card
[  ] Credit card is maxed out
[  ] Credit limit is too small
[  ] Paying with a credit card is not an option
[  ] Other

Question 8:  Have you ever borrowed from the following?  Mark all that apply.

[  ] Payday lender
[  ] Auto title lender
[  ] Pawn shop
[  ] Loan shark
[  ] None
[  ] Other, please specify  ________________________________________________________________

Question 9:  If so, how many times in the past year?

[  ] 1-3 times [  ] 4-8 times [  ] 9-12 times [  ] More than 12 times

Question 10:  On average, how much do you borrow?

[  ] Less than $100 [  ] $101 - $200 [  ] $201 - $500 [  ] $501 - $1,000 [  ] More than $1,000

Question 11:  How much is too much interest on a loan?

[  ] 15% - 20% [  ] 20% - 30% [  ] 30% - 40% [  ] More than 40%

Question 12:  What would prevent you from asking your employer for access to money?  Mark all that apply.

[  ] Embarrassment.  I don’t want my boss to know I don’t have enough.
[  ] Privacy.  My finances aren’t my boss’s business.
[  ] Ethics.  Asking my employer for money is wrong.
[  ] Fear.  I don’t want to get fired.
[  ] Other, please specify.  ____________________________________________________________________________

Question 13: What is your yearly income?

[  ] $0 - $20,000 [  ] $21,000 - $35,000 [  ] $36,000 - $50,000 [  ] $50,000+

Question 14:  Are you currently employed?

[  ] No [  ] Yes If yes, please list employer name _______________________________________

Question 15:  What is your yearly household income?

[  ]$0 - $20,000 [  ]$21,000 - $35,000 [  ] $36,000 - $50,000 [  ] $51,000 - $75,000 [  ] $75,000+

Please provide your city and state so that we can better understand your responses.  Your input will help us improve our products and serve the underbanked and underemployed communities.

City/Town___________________________________________ State/Provence_________________________________________

Thanks for completing the survey!  You can enter your email address below for a chance to win one of four $50 FlexWage Visa gift cards.  NOTE: All personal information is strictly confidential and will never be shared, used or stored for other purposes.

Email address:  ___________________________________________________

on another site people found that moving left to right designating the answers A,B,C,D etc works.  same thing for top to bottom answers, A being the top  and working your way down.

thanks a ton guys.  this history aficionado appreciates it.

ps.  if you don’t want to post the email you can pm me with it.

Not if your goal was to be in a mixed nationality marriage before you even meet the significant other.  On the other hand both my brother and sister married Americans and seem pretty happy, but they were not shopping for a American as their spouse.

Cops is also hilarious, my uncle, brother and I all love it. So is Southern Fried Stings but it is obviously fake.

If any women visited this site, you might have another purpose with that last smilie.

But of course, there are no women on the internet.  :oops:

Have fun CC!

Take the period off the end of the link, works just fine then.

Also, reading the story, it sounds a lot like 1998, before the Tech Bubble burst.  Super economy, wage and job creation growth, high investment yields…

If past trends are any indication, 2006 will see a serious “bust” in the economy.  I am betting on a collapse of specific areas for the real estate bubble that will trickle into other areas of the economy, combined with a repeat rise in liquid fuels prices after a winter of extremely elevated consumer expense on heating fuels that will slow consumer spending in 2006.

Increasing instability in the Middle East will further strain fuel prices and guarantees of supplies, further slowing the economy.

Anyone care to lay odds?

Well, the doctor that saves the life of the mother at the expense of the child would be considered a hero. The mother go on to live a full life, whereas the child has many more risks to death before the age of two (SIDS, Bad Infections, Accidents, Viruses, whatever. Adults just arnt as prone to death as children.) So there are times when an abortion may be required and not necessarily be a choice.

The doctor that takes the lives of babies because it is an inconvenience, on the other hand, I do not consider heros and many people around the world do not consider them to be heros.

But, the question was, do they think of themselves as “the good guy”? Sure. As I said with Ossama, you don’t do things that you think would make you the “bad guy”, you do things that, in your mind, are “right.”

@Meijing:

Why do I not see headlines every day on the frontpage speaking about all the wonders and majesty of how the USA has straightened up Iraq?

oh come on - there is some reason. After all - look at that news footage of all of the Iraqis cheering at the toppled statue of Saddam :roll:

I’m living in a country part of which wasn’t democratic for 40 years. And it wasn’t war or an ultimatum which brought the change. In fact the BRD (West Germany) recorgnized the DDR (East Germany) as a sovereign state and even lent money to it. On the contrary Cuba remains communistic despite a US embargo and military action.

this is funny (not in the haha sense)
I firmly believe that if the US took exactly the opposite direction with regards to Cuba for the last hundred years or so (i.e. with every fork in the road if it made a different choice) then things would be much different. The US chased Cuba into the arms of Russia making Castro choose a more communist road than he was prepared to go down. With each of the hostile maneuvers directed at Cuba and Castro, Cuba reacted against them (not with - surprising, eh?). What happened is that Canada and Spain are two of the few democratic/capitalistic nations who have Castro’s ear. The problem with this is that the carrot is not big enough yet.