There is no need for a bailout of the bank when we can bail them out through tax payer spending...heres how:

America has fought hard to become an independent nation and a leader in innovation, so how can we fix our current economic downtrend efficiently? Some seem to think that throwing money at the corporations who failed us is the answer…we all should know by now that spending money on bad investments will not secure our future, or will pointing fingers. We can point fingers and prosecute those responsible after we fix our predicament.

We, citizens of America, have worked hard to secure our retirement, provide a home for our families, enrich our lives through educational and medical advancements, and have generally improved our comfort levels, while becoming a super power militarily. We have made some great improvements and advancements from where we started just 230+ years ago, so let us not mess things up now.

America embarked on a paper money system in the 70’s and to this day we citizens are paying for poor decisions made by the private sector and corporate moguls we trusted to protect us from deception and predatory investments.

Our nation’s constituents are suffering because they trusted predatory lenders, congress, and Wall Street moguls to protect us from this very situation and because of poor leadership and some personal misjudgments, too many American citizens are in anguish while more continue to fall on a daily basis.

The citizens of America are going homeless, jobs are being lost, banks are not getting their money from borrowers, children are not getting the attention they deserve, insurance companies are shelling out more money than they can afford, and our government is borrowing money to pay bad debt. None of this is a good thing.

American citizens worked hard to secure their retirement funds and save their money for the future just to be let down by misleading lenders and corrupt CEO’s. American citizens are the ones who should decide where and how to spend the money needed to make our countries finances solvent once again.

If the government really intends to save our economy, we need radical change and we need it now. We need to inject money into the bottom of our society to be useful in our situation and not at the corporate level. We need to circulate our money into our debt relief and not into creation of more debt.

Our entire country needs an overhaul and with the American citizens combined effort we can rebuild America in just a few short years, as a more solvent United States. We need to invest in our own countries constituents by providing a means for personal debt relief by the people who borrowed the money initially.

The only way to secure our nation now is to pay off our debt to local real estate markets, banking institutions, and national debt. It is a firm belief that American citizens can rebuild our nation quickly and economically if provided the opportunity.

Here is an idea; Provide to EVERY American Citizen Age 21 and older as income the sum of $800,000.00, instead of spending $700 billion dollars to save the companies that put us in this mess to begin with.

We can save our economy by securing American citizens and their personal debt instead of pouring money into a system that is poorly structured. We can provide a path to redefine the corporate structure and employee base, our credit industry, and stabilize our medical industry. We could reinvest into our infrastructure for tomorrows energy needs too.

We can greatly reduce our student debt, rebuild our educational institutions to better equip our children and their children, redefine our auto industry to a more eco friendly energy system, re-establish our transportation industry with plant oils (as the original diesel engines were designed to use) and not from our food supply. As an added benefit, we can overhaul our economic structure and investment process with little discomfort to local constituents thanks to the income received.

The average American citizen could finally start the business they have always desired and cover most of their own startup costs upfront. Lenders will still be in business; however, the enormous interest rates will reduce to a minimal amount due to our nation’s solvency.

This is not a permanent fix to our situation because people are creatures of habit and habits always come back (and providing some needed job security in the criminal and medical industry); however, this could provide a means for those who desire a real life change and make solid investment decisions.

If the $800,000.00 dollars is taxed as income at a flat rate between 20 & 30 percent (based upon single or married couples with and without children), we could provide our government with an immediate return on their investment in the form of tax dollars. Another benefit from this adventure would be that Americans will feel more pride and control over their lives and it will build confidence within our administration and help to unite the states of America once again.

The financial institutions would recover most of their debt and could restructure during the madness of spending which would follow the sudden flux of income. The free market would level out to a newly defined normal and people who failed to invest wisely would return to work for a local mom and pop shop instead of a corporate conglomerate (thus reducing lobbyist abilities of persuasion).

The losses to the American homeowner would become a minimal discomfort instead of an entire loss, and they would be able to purchase (100% - mortgage paid in full) a replacement home almost immediately, which in turn would correct the housing market issue. People whom invested into the stock market (401 k’s and the like) would be assured a decent retirement due to reinvestment in the redefined stock market and renewable energy source companies and their personal bank accounts.

Government regulations would keep inflation in check for at least three to five years, which in turn would lend enough time to level out the economy; this should prevent a rapid rise in available product cost due to the temporary onetime newfound incomes of the nation.

America can set the industry standard in GDP with economic invention, energy creativity, industrialized or intellectual innovation, and renewed interest in stock market investment. Another benefit is most of America will be owned by Americans too.

One stipulation to this idea should be that EVERY American citizen who receives this income must donate (tax deductable) 3 – 5% of their share to the national debt to reduce our debt to other countries and remove their advantage from the picture.

Another stipulation should be that EVERY American citizen whom received the funds MUST pay off their entire debt in full or as close to in full as reasonably possible before utilizing the remaining funds (if any) dispersement at their own personal discretion! I think this should reduce the bankruptcy rate for the next three to five years…don’t you? I believe the court system could use the time for other matters too.

A benefit to the criminal justice system is that every incarcerated American Citizen (lifer) that is eligible for this income will benefit only indirectly from this dispersement. The funds received will go directly into rehabilitation programs (for others that can be rehabilitated), in-house medical expenses, court expenses, defense and prosecuting expenses, clothing, jail house improvements or construction, and food service if enough is left over to help offset the costs of incarceration. All short stay inmates WILL pay off (or as much as possible) their fines, fees, and retributions before release.

Another benefit to the criminal justice systems would be a downward shift in the crime rate overall because money would not be an issue to the majority of citizens and drug addicts proven to be incompetent can now pay for rehabilitation or other needs with supervision. We do not need to give the money to incompetent people, but it should help provide for their care temporarily.

A benefit to the medical society would include moneys from mentally incompetent citizens will be proportioned out for their medical expenses, medications, housing, clothing, and other needed programs as deemed by their current medical providers and overseer’s.

An idea for our nation’s transportation industry is to convert ALL Diesel engines back to their original design (burning used vegetable or plant oils instead of fuel and bio fuels), as this would not only reduce our dependency on fossil fuels and oils, it would also improve our air quality too. We have the technology to keep the oil above 160 degrees Fahrenheit and the infrastructure to support the conversion already in place.

Plant oils are easily produced from weeds in our yards (pressing the oils from their seeds) and/or incentives to farmers to grow products that do not affect our nation’s food supply, but will produce enough products to power our needs (NOT ETHENOL) would help direct our nation to be a more self sufficient country.

Citizens could build windmills to offset the electrical needs of individual housing and or solar panels while supplying any unused energy back into the grid for consumption somewhere else. Citizens could purchase back up power supplies for their internal home electrical needs therefore reducing the amount of energy drawn at any one time by consumers.

These ideas are a few in an endless myriad of applications and the ramifications are minimal as it is a firm belief Americans can spend their tax dollars far better than the current administration will. Just imagine how it would feel if every citizen were to be able to pay off most or all of their debt and have change left over while OWNING their home!

Just imagine what this could do for our country reducing the national debt, returning the decision making abilities of Americans back to Americans, and thus allowing our nation to be the first to re-invest into the community in such a way that can make a difference...for most folks.

This is merely an idea and economists and analogists should check the numbers for accuracy; however, this idea is radical and not tested so it might just work if lawmakers define the unmentioned aspects before inception of this concept.

EVERY American could prospectively have their funds in their bank accounts within 90 days…THINK About it…a debt free America, a solvent nation, a prideful nation that can win wars, redefine the American dream, and defend the American dream from terrorists!

Who could hate an administration that gave its constituents a financial improvement, as we would be the first nation in history to promote such a concept?

All of the bugs have not been worked out yet; however, it is my belief that if we citizens write this concept correctly and quickly, we could actually submit it as a viable method of resolve...that is once everyone quits laughing at the idea and really thinks about the benefits to EVERY CITIZEN of the USA!