Was it just Monday or was it Tuesday night this week that the House of Representatives voted down the Bail Out Bill? It's not that I'm absent minded, it's that when I like other Americans must work to make sure our country does not make mistakes that will take many years to correct in addition to working our regular job where we actually bring in money for our efforts, which may I add, it is up to us to do our job and we don't ask anybody from Congress to step in to help us do our job, yet the American taxpayer is called upon time and time again to follow the bills before Congress and to call their representatives at a moments notice, and we do that.

So if the average American, like myself, don't know what day it is or what day a bill was voted on it is because we are trying to look after our own business and then the business of the country as well. Tonight is just Thursday night and at least I remember that it was just Wednesday night at 11:00 p.m. that the local news announced that the Senate voted the Bill in. So now the bill goes back to the House on Friday. I try to call Congress at the 202-224-3121 number, but the telephone lines are full, so I can't get through to call the Congressman in my district. I then proceed to get online to write an email to him, saying, "Vote no," for the bill like he did at the top of the week. But his site is full and the form I filled out indicating my name, address, and telephone number just lays idle on the screen and doesn't go anywhere when I hit the submit button. Finally a message appears indicating that the service is down and I will have to try my submission later. I only have a few hours left in this day, and I want the House of Representatives to vote down the bill and all the lines are busy so I can't get through. So I write and publish and hope that they read my article before they vote on Friday.

When I began writing it was around 9 p.m. and now it is nearly 10:30 p.m. While writing this article, I took a call from one of my daughter-in-laws who was crying. I just couldn't say I was busy and hang up. I had to talk to her right then. So my day began with arriving at work a little after 8 a.m. and I left work around 6:15 p.m. I drove 30 minutes home, put the dog out, heated up a frozen dinner in the microwave, and turned on the news (CNN). Lou Dobbs and others are talking about the bail out bill and how bad it is. Although today is the first day that I hear any specifics about the bill, I knew the bill was a bad idea when I first heard about it at the top of the week, so now I get some details on how really bad it is. As I then click on MSNBC online, I get to read some of the "pork" intertwined with the bail out. Pork like: "Puerto Rico and _____— rum" and a bail out for the Exxon spill that had occurred in 1989.

I immediately want to know who wrote the bill because they left out some things for me and other Americans. I have been paying off students loans since forever. I've been out of graduate school since 1999 and I didn't even have $10,000 in loans but I'm still working on the debt. While I was in college, we were raising three children. Today, our children are grown, married, and have children of their own and I'm still paying off debts from their raisin'. The Bail Out bill left no money for me; my retirement, which is at $0 because I have no full time career and I'm on no career path because there is simply no path available at this time, so I will have to submit my request for that LATER, too. It has been the same song and dance by my country ever since I have been an adult.

The sad truth about this story is that many other Americans have similar stories, and we are frustrated because we are the majority that have been "silenced." We have no real voice in Congress. The squeaky wheel gets the oil, so says the old saying, yet we have been squeaking and little has been done in shoring up real careers for our futures, likewise little has been done for us in the Bail Out bill.

The Bail Out bill is a bad idea for several reasons. The most obvious reason is the simple fact that urgency and scare tactics have pushed this bill across the desks of our Congress men and women. Those who are in Congress are from all walks of life and some have no real knowledge of business and money management, so they must rely on information from trusted advisors to interpret the bill to them. Perhaps omission of information is more evident than the information itself. Information is omitted because there is no time to explain it all suggests the hurried actions, which makes it a bad idea/plan.

So I hear that the Bail Out bill is 400 pages or more. Put the 400 pages online so the average American can read it. Also, let the people of America vote on it online and let the people of America add their part into the bill online. If the government wants to borrow money and are bent on borrowing it, don't just give it to the bankers and wall street. And don't just bail out foreign investors who flopped here in America, but bail out the average American, instead. I also hear that $700 billion isn't even the real number to borrow. Now it is reported that the real number is one trillion dollars! When does it stop?

My proposal along with many other Americans is simply no bail out for bankers and Wall Street. Our proposal also consists of holding those CEOs and managers responsible for railing our good American economy into the ground. They need to be held responsible for fraud, and they need to pay back what they have taken away from the American people. Our proposal also includes cross training the accountants in the IRS to check the numbers in big corporations, banks, and Wall Street for the sole purpose of holding these entities responsible, accountable, and competent. Our proposal also requires that if any money must be borrowed to keep our economy from shutting down, then put it in the bank accounts of every American 18 years and older. Those who have been working all their lives have very little to show for all their hard work because of the rising cost of living, raising children, sending children to college, paying tuition to private grammar schools, paying taxes, insurance premiums, etc. If the money is put into our bank accounts, the American people will create the jobs, pay off our debts, and keep the banks full of money so that the banks can dispense our money to us when we need it.

We the people speak. Please hear our voice.