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Friday, September 24

Here's a Story You Won't See on OC Housewives

 Here's a shocking cautionary tale from the Orange County Register posted last week illustrating how things can spiral out of control and why it's important to take measures now to shore up whatever income you've got going.  A solid home based business can be worked to generate a nice residual income even in a part time effort if you have the right business, product and support.


Work: the ‘Orange County Dream’ to homeless
August 24th, 2010, 6:01 pm  posted by Peggy Lowe

SAN CLEMENTE – Allen Pederson pulls into a parking slot  at San Clemente State Beach, hoping he gets a meter with a little time left.  Renting by the hour with a few coins is all he can do now. This 1998 white Ford  van is Pederson’s real estate reality, 25 square feet he calls “our little  apartment.”
Beside Allen is his wife of 21 years, Regina. This was her  vehicle, the one she used to drive the couple’s three kids to church, the one  with the “Best Mom” license plate frame intact.



It’s sunset on a recent  Thursday, and the couple sits down on a park bench on the bluff overlooking the  ocean, and Allen jokes that this is his living room. Dinner is from Taco Bell, a  tostada, burrito and Diet Coke eating up most of the last $5 Allen had in his  wallet.

This is all the Pedersons have left of what Allen  called “the Orange County Dream.” They have lost everything since Allen lost his  job in 2005, an event that triggered a domino effect of decline for the family,  down to being homeless and what Allen admits is now day-to-day  survival.

“It’s just kinda like, where did it go? It was just  there. It happened so fast! You think, ‘It will never happen to me.’ I think  back, how did it happen?” Allen says. “How did this happen?”
The trigger to  what the family now simply calls “The Trauma” happened in January 2005, when  Allen lost his six-figure job at Time Warner Cable in a downsizing  move. 


Allen, a transplant from Pontiac, Michigan, started at the company in  an entry-level job in 1986. Over the course of 20 years, he worked his way up to  Director of Purchasing and Operations. He was a company man and planned to  retire there, believing he was safe from any cutbacks. Regina home-schooled the  couple’s three children in their Lake Forest home.

“I was living the good  life. I had no worries, you know? Buy anything I wanted, just about. Of course,  it would be on credit,” he said. “Always had food in the refrigerator. Kids  wanted to go to the movies, we’d go to the movies. Kids wanted to go to  Disneyland, we’d go to Disneyland.”

After Allen was let go from Time Warner,  he took a manager job at an Inglewood Costco, but with the long commute and the  low pay, he couldn’t make ends meet. He also wasn’t moving up as quickly as the  bosses had promised him, so he quit. It was March 2008, and with his good  credentials, he thought he’d find something else quickly.

But the Great  Recession had started its stranglehold, with Southern California’s mortgage  industry already in meltdown mode, financial markets looking shaky and  unemployment beginning to rise.


Allen tried another job, but it didn’t work out, so  he spent his days looking for work. By this time, he’d gone through his Time  Warner severance, sold the company car he’d been given, and tapped out all other  financial avenues. The family lost their home and moved to Temecula to a rental,  only to be kicked out of that house when the owner lost it to foreclosure. With  the two youngest children along – the oldest had married and moved out — the  family settled into a cheap motel in Santa Ana.

Life was tough with just his  unemployment checks, but the family got help from a church and local food banks.  They were grateful to still be together. Then in May, Allen used up the last of  his 99 weeks of benefits, and suddenly, there was zero income. The family moved  out of the motel and into the van.
“The crisis that hit was trying to hold a  family together,” Allen said.

Because they didn’t want to further traumatize the  children, Allen, 46, and Regina, 50, found other places for them to live. Their  daughter, now 19 and in beauty school, moved into a friend’s apartment. Their  youngest son, now 16, is with a family friend.


Allen and Regina hit the road, and their daily  routine is an agonizing agenda of searching for food, shelter, money, sleep.  Each morning, Allen heads to a Starbucks, so he can use the free Wi-Fi to search  online for jobs. He has no phone, so he signed up for a free Google service with  a voicemail-only number. He returns calls from pay phones.

The couple  hopscotch around to different parking lots, but are often asked to leave by  security guards. Wal-Marts are especially good, because they are never  questioned about why they are parked there for hours on-end. They sometimes park  at the public beaches, but have to watch for the rangers – Allen calls them  “ticket monsters” – who may require them to move after a few hours.


Sometimes they will get food from a local food bank,  sometimes they get bits of change from friends or from Allen’s father in  Michigan. They’ve maxed out the allowance of rent assistance and food offered by  Saddleback Church, where they were members for 10 years and where Regina taught  Sunday school. They steer clear of the shelters, which they say are filled with  “Skid Row types” – the shelters more scary than even staying on the street.  They’ve inquired at some rescue missions, but those are mostly for people with  drug and alcohol problems, so the Pedersons don’t qualify.


Allen applied at Target and Wal-Mart, but got no  response. He’s walked into a few fast food places, like Jack in the Box and Taco  Bell, but managers weren’t interested because he doesn’t speak Spanish. He  briefly held a low-paying job at Von’s, but didn’t pass probation. He thinks  it’s because he asked too many questions about trying to improve  operations. The couple’s biggest fear is that their van – their only home –  will be impounded because their license plate tags are eight months overdue.  Just last week, they got a ticket, and combined with a couple parking citations  they’ve already racked up, that could also lead to losing their vehicle. To  avoid scrutiny, they always back in to parking slots, so the cops can’t see the  expired tags. They also worry that the bald back tires will blow at any time and  Regina has tried to repair them with bicycle patches.

They spend evenings at  the beach, and particularly like San Clemente State Beach because it offers them  a little peace. For a while, they would sneak into some of the state parks after  hours to use the coin-operated showers, but the rangers recognize them now.  Every day is a search for a shower, and some nights they simply wash up in the  public restrooms at the beach. They brush their teeth standing behind their van,  using a cup of water from a fountain. “I never dreamed in a million years I’d be  here. I always considered myself a hard-working, dedicated individual,” Allen  said. “I can look in the mirror right now and not believe it. It’s  unreal.”


Allen is nervous, fueled with the anxiety brought on  by the struggle for survival and lack of sleep. Regina appears to be another  loss – they talk openly of her breakdown. She cries constantly and sometimes  rambles incoherently. The woman who once prided herself as the best mom – a home  school and Sunday school teacher – believes that she has lost her children. The  friends her youngest is staying with shield him from her.


On August 12, the couple lost the last of their  possessions. Having failed to pay the rental fees, the storage locker they  rented in San Juan Capistrano was auctioned off, everything gone during a  five-minute bidding process that went to a stranger for $550. Inside were their  wedding photos, the children’s school records, toys, family pictures, and the  American flag that was draped on Regina’s father’s casket. Since then, Regina’s  mental state has further declined, Allen said. She feels betrayed by her family  and the friends she helped for so many years. Society has humiliated them, she  says. “I feel like I don’t even exist,” she said. “That’s how people make you  feel – like you don’t even exist.”
Allen feels if he can just get one good  break – just one — they could make it. “Just an opportunity is all I need – no  matter what it is,” he said. “I just want to work. I’m not panhandling. I want a  job, I want to go to work.”

The couple ended a recent Thursday night much  as they have done during all the others these last few months. As the sun set  and darkness swallowed up the beach front, they washed up in the public  restrooms, put on their pajamas and watched a movie on Allen’s laptop. Then they  drove over to a local megachurch and parked in the huge lot, hoping to be  inconspicuous until dawn, when they get up and start another day. But time is  running out and Allen fears losing their last, precious possession.
“We had a  lot of hope,” Allen said. “We had a lot of hope. But that’s kind of drifting  away. As every day of the survival continues, the hope becomes  less.”


If you are struggling or see trouble ahead  it's time to get into action now. Don't wait until it's too late or you allow denial to take you to a place of critical mass. Those people you see at street corners aren't all fakes. Imagine the embarrassment you'd have to overcome to stand there and what it would take to drive you to it. 
We tend to take for granted that there's a safety net like public assistance in dire emergency but those funds are stretched thin. We've restricted them so much over the past decade that now, when families aren't able to get employment quickly and run out of unemployment benefits, there's little to nothing available to help. Medi-Cal and Food Stamps are there but money... you will have to prove indigence, no assets, claim your valuables and have to have sold them, and this is just the beginning.  

There are programs for utilities you should immediately sign up for that give you discounted rates for being in a lower income level and once a year a charitable organization will pay one or two of your utility bills if you qualify but don't wait and hope. Go into action. You can decline to use what you don't need but you should immediately look for a form of self employment and get to work.
Necessity is the mother of invention and can bring you a new life's purpose if you're not holding on to old notions of everything going back to the way it was. Times are changing, we have to change with them or be left wondering what the number was of the bus that hit us. 

Take a look at my Franchise link to find out about a business that has no risk, low expense and immediate high profitability.  We have to work together, give to others as much as possible because the laws of reciprocity are real and universal. What you give out is what you attract.  

Likewise if you're aware of a non profit that is doing good things for people in your area please leave the name in the comments. I'll find their online info and publish them. 

I'd also like to start a sort of trade off co-op so if you have things that are in good shape but are unused, and are willing to trade for something you need, list them and I'll organize a page for it. You can list what you need even if you haven't got something to trade. You never know. Also check the free listings on craigslist in your area.

We're all in this together and the internet makes the world a whole lot smaller. Send out some positive intention for others during the day as you think of it. Positive energy is powerful magic.

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