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 Author Thread: An unofficial look at CS payment amounts.
 Lostcauz
Joined: 11/22/2007
Msg: 21 (view)
 
An unofficial look at CS payment amounts.
Posted: 10/21/2009 1:35:41 AM

. . . The parent who pays more than 50% of the full cost to support a child, so long as they can prove it, is entitled to claim the child, contrary to popular belief. It may involve a trip to court, but if the numbers are accurate, well family court should be sufficient to effect the change, and shouldn't require a lawyer, so go for it .


Any person in the US may represent themselves in ANY Court. However, if you choose to represent yourself in a hearing in Family Court in the US, your chances of having an outcome in your favor, if you are the one paying Child Support, are extremely slim. My experience is that Judges don't have time to deal with Pro Se litigants, there are far too many cases, with far too many issues, to be addressed, by litigants who are represented by counsel.

I know of several cases that I was involved in, where the non custodial parent paid a great deal more than 50% of what was needed for the child's health, maintenance, and welfare. However, no Judge would award the non custodial parent the income tax deduction for the child, because they were the "non" custodial parent.

Anything is worth a shot. Personally, I wouldn't waste my money on trying such a thing.


It is true that here is no accounting for a custodial parents use of CS monies, and personally, I don't have a problem with the institution of such. My experience tells me that those who complain that the custodial parent is squandering their money really have no idea of the expense attributable to caring for their children. Claims that their children are being "neglected" by the custodial parent, without following through by being willing to take on the job, seem baseless to me, and more about vengeance then about the care of their child. There are those who may abuse the CS system, no doubt, but in fact the numbers as figured seem to fairly represent the expense of raising a child, and for the most part cover only the necessities. Truth is, if every parent who claims that the other parent, with whom their children reside and who collects payments from them, really spent the money "having a good time", we'd have a lot more starving children. Just my two cents.


Interesting point. I'll use just one real life example. If Dad pays $550 a month in child support. That means Mom puts in an equal amount towards the child's health, maintenance, and welfare. Thus, %1,100, each and ever month, without fail, would be paid toward the repective child's existence on earth.

Given that I support a family of three (3) on slightly more than $1,100 a month, IMHO, that would be one well dressed, educated, and extremely healthy child.

No, there are an infinite number of custodial parents who squander the Child Support money paid to them by the non custodial parent. Here again, the statistics support such claims. If this were not the case, at least in the US, we wouldn't have so many children in Foster Care, where the State is collecting the Child Support.
 Lostcauz
Joined: 11/22/2007
Msg: 13 (view)
 
An unofficial look at CS payment amounts.
Posted: 10/20/2009 4:05:43 PM
I happen to have first hand experience with Child Support, as the one paying it. I also have first hand experience with the legal aspects of Child Support in two US states, specificly, California, and Texas.

California uses a formula, which takes into account the net incomes of BOTH parents of the child. The TOTAL of the incomes of BOTH parents is used to determine how much money would be made to support the child, if the family unit were to remain intact. For example $1,000 per month.

Then, the net incomes of the respective parents of the child is reduced to a percentage of the combined income of BOTH parents. The non-custodial parent is then ordered to pay child support to his ex wife, in an amount equal to his income, with respect to the family's total income. Let's say Dad brings in 50% of the family's total income. Then, in the example used, Dad would have to pay $500 per month to his ex wife for Child Support.

Before too awful much discussion is had with respect to the monetary value to be placed upon being a full time Mother, as opposed to being a two weekends a month, and two weeks in the summer, Dad. There needs to be some clarification as to the intended purpose of Child Support.

The intended purpose, according to US Jurisprudence; you know, those people who make sure Mom gets her money. Child Support is intended to be used for the health, maintenance, and welfare of the child for which the support is being paid. In plain English, this means that Child Support is to be used for food, housing, clothing, and education of the child. Please note, there is NO mention of after school activities, extra curricular activities, dating, movies, cars, horses, mink coats, or any other things that cannot be reasonably considered as necessities.

In Texas, when I was ordered to pay Child Support, it was based upon a percentage of the non-custodial parent's income. In my case, it was then 18% of my Gross pay; which worked out to about 1/3 of what I earned. Later, the Courts changed their opinions, and the guidelines were changed to 21% of my Net pay. Either way, it really made very little difference, it still worked out to about 1/3 of what I earned, being paid out in Child Support.

As for Custodial parents accounting for the money sent to them being spent in a reasonably prudent manner? In the US, forget asking for an accounting. The Courts are to busy to be bothered with something as logical as asking someone to account for the Child Support money that is paid to them. However, if you are the one paying Child Support, and you should even dare to consider asking for a reduction in the amount of Child Support you are ordered to pay; you will have to account for ever cent you have ever spent, right down to the money Grandma sent you for your Birthday.

One interesting fact about Child Support that Dads in the US pay. You have the privilege of paying income taxes on that money. No, you can't claim the child as a deduction on your taxes, because Mom has custody of the child. No, you can't deduct the amount of Child Support you paid from your income taxes. Oh yeah, Mom gets that Child Support money TAX FREE.

I know, I know, the money is for the CHILD. I paid Child Support for 18 years, and my daughter never once cashed a Child Support check.

I don't know about Canada. However, at last count, there were thirty-six (36) ways for Mom to enforce a Child Support Order, WITHOUT HAVING TO GO TO COURT, TO DO SO.

At last count, there was only one (1) way Dad could enforce a Visitation Order, and it REQUIRED his going to Court to do so.

By the way, I use the terms Mom as the custodial parent, and Dad as the one paying Child Support based upon the last US statistics I looked at, where this was the arrangement in 99.3% of such cases.
 Lostcauz
Joined: 11/22/2007
Msg: 7 (view)
 
men or woman can i get some input please?
Posted: 10/19/2009 7:01:06 PM
You also have a requirement that one must have a photo posted to message you. I thought you might be able to offer some insight into the type of dog you have, as I am a huge fan of large slobbering dogs; English Mastiffs in particular.

However, I am unable to message you, as I don't have a photo posted in my profile.
 Lostcauz
Joined: 11/22/2007
Msg: 10 (view)
 
Interracial couple denied marriage license in Louisiana
Posted: 10/15/2009 4:29:04 PM
As best I can recall, a Justice of the Peace has the "Ability" to marry people. Under American Jurisprudence, ie the law of the land, the fact that someone has the ability to do something, like marry people, does not mean that the person can be compelled, or forced, to exercise such ability.

A similar situation would be that a doctor has the absolute right to decide who he/she will, or will not, treat, and what procedures he/she will, or will not perform.

While I don't agree with this JP's actions, I believe he has made valid points, and supports his positions.

As far as this man losing his job, he can be removed from office quite easily. He may be impeached, or people can simply refuse to re-elect him, when his term of office is over. Until then, he is a Magistrate (Judge), and may do just as he pleases within the confines of his court.
 Lostcauz
Joined: 11/22/2007
Msg: 406 (view)
 
submissive women
Posted: 10/11/2009 6:29:32 AM
I believe the desire for women to be submissive is a personal preference. Personally, I thoroughly enjoy my special Angel's being submissive. As it has been mentioned here already, it defines our roles in our relationship.

A lady's being submissvie by no means, means that she is weak. A submissive submits because they choose to, not because they were forced to.
 Lostcauz
Joined: 11/22/2007
Msg: 403 (view)
 
submissive women
Posted: 10/10/2009 7:13:46 PM
I came into this conversation a little late. However, in scanning the posts, it doesn't appear as if anyone has mentioned that the true power in a D/s relationship rests with the one who is submissive. Ergo, if a woman is submissive to a man, she is the one who holds the real power in the relationship.

Just a thought.
 Lostcauz
Joined: 11/22/2007
Msg: 110 (view)
 
The myth of a woman's so called sexual peak.
Posted: 6/6/2009 7:09:34 PM
I'm not able to speak from anything other than personal exeperience. Based solely upon my personal experience, women over 40 tend to be better lovers, as they know well what they do, and, more importantly do not, want in a sexual partner.

When I was in my early 20's, I had the good fortune of becoming involved with a mature lady for a short time. By way of her extremely patient, and understanding, teaching, a whole new world was opened up to me.

From that time forward, I focused my attentions on women 40 and over. If women do have a sexual peak, I'm at a loss as to where it might be. My fiance is 53, and quite something, with the intimate side of our relationship only getting better with the passage of time, with no end in the forseeable future.
 Lostcauz
Joined: 11/22/2007
Msg: 14 (view)
 
Texas Homeowners Defend Themselves with Criminal's Guns
Posted: 9/5/2008 6:41:02 PM
I say good for this couple. The one who lived is lucky he did.

Thankfully, Texas recently passed a law that says if someone breaks into your home, you can use deadly force to stop them, before they have a chance to do you any harm.

The intended harm is presumed, because the person broke into your home.

Stricter firearms control laws will only serve to make it easier for criminals, like the two mentioned by the OP, to perpetrate their trade.

It has been my experience, as a Police Officer, and as a private citizen, that criminals shy away from those who they perceive as being someone who will challenge them, or attempt to stop them from making good their crime.
 Lostcauz
Joined: 11/22/2007
Msg: 49 (view)
 
Palin Bombshell about to be exposed?
Posted: 9/4/2008 4:36:48 PM

Bill: It wasn't necessarily Monica that he directly got in trouble for; it was for the perjury about it that really was offensive.

really? Then why was he asked about it in court in the first place? For shits and giggles?

The big upset wasn't about Slick Willy gettin' a blowjob. It was about his committing perjury, when he lied about it.

Perjury is a felony offense in the US.

Just in case anyone's curious; yes, there has been someone convicted of perjury, for lying about having had a sexual encounter with someone. The lady filed a petition for her release, based upon Slick Willy's case.

It wasn't about sex; it was about lying.
 Lostcauz
Joined: 11/22/2007
Msg: 2 (view)
 
Once Upon A Time.... write minimum of 2 sentences, maximum of 4.
Posted: 9/4/2008 4:04:08 PM
Oh, this sounds like just TOO MUCH fun.


Once Upon A Time.... There was this lovely lady waiting to be discovered.
She stood late one evening in front of this nightclub waiting on her girlfriend so she didn't go in alone. She watched behind her shaded glasses looking at each person as
they walked by and entered the club. Will this be a night wasted or will she find
that perfect someone that will make her evening out to be enjoyable?

Varying thoughts running through her mind. Am I dressed appropriately? I hope I look all right. Not too much make up, I hope. Sure are a lot of couples; I wish she'd show up already. . . She's always running late. . ..
 Lostcauz
Joined: 11/22/2007
Msg: 8 (view)
 
How Do I Answer These Men's Questions
Posted: 9/4/2008 3:55:44 PM
If this guy was in the military, and "never" saluted officers, I seriously question how he retired from the military. You see, you have to salute your commanding officer when you leave the unit.

Furthermore, I question how this guy got away with not saluting the pay officer, way back when, when the military still paid in cash. Maybe he's independently wealthy, and didn't need the money.
 Lostcauz
Joined: 11/22/2007
Msg: 38 (view)
 
Do you really wonder why Bush and the Repubs want that SSI money in the stock market?
Posted: 9/4/2008 3:45:41 PM
I posted earlier, that the first person to receive Social Security benefits only paid in $22, and change, and received a great deal more in benefits. Here is the article:


According to SSA historians . . . [t]he first person to receive monthly benefits was Ida May Fuller from Vermont, who retired in November 1939 and started collecting benefits in January 1940 at age 65. In the three years that Fuller worked under the program, she contributed a total of $24.75. Her first benefit check was for $22.54 and she went on collecting benefits for 35 years, until 1975, when she died at age 100. In this time she collected a total of $22,888.92.

http://people.howstuffworks.com/social-security-number6.htm

Some other interesting information about Social Security:

The Social Security system is nothing like that. In the Social Security system, the money you pay into the system gets immediately paid back out to the people who are currently getting Social Security checks. This arrangement came into being because of the way the system started. In 1935, when Roosevelt signed the Social Security Act into law, there were a lot of people who needed benefits (because of the Great Depression), but there was no money to pay those benefits with. The idea at the time was that people currently working would pay into the system, and their money would immediately go back out in the form of benefit checks. Each generation of retiring workers would get paid by the people currently working, and therefore the system would fund itself forever despite the fact that the system had no money to start with.

This clever idea worked great in 1935 (and for many years after that), but it is going to have a problem in the future for two reasons:

In 1935, there were many more people paying into the system than those receiving benefits. The ratio of workers to retirees meant that workers did not have to pay much into the system in 1935 to support the retirees (this table shows that up through 1950, only 2% of income (1% employee, 1% employer) was withheld for Social Security, compared to 15.30% (7.65% employee, 7.65% employer) today). In the future, the retirement of millions of baby boomers will hurt the ratio -- there will be so many retired people that the working people will not be able to support them. If the population had grown steadily this would not have been a problem, but there is no good way for the design of the Social Security System to handle a population spike like the baby boomers.
 Lostcauz
Joined: 11/22/2007
Msg: 4 (view)
 
How Do I Answer These Men's Questions
Posted: 9/4/2008 3:26:20 PM
To begin with, it sounds as if this guy was fishing, or trolling, for something more than mere conversation, with eye toward getting to know you as a person.

Some suggested responses to his questions:


Then he asks me if I enjoy kissing, hugging, and cuddling..

Just like everyone else in society. However, I am a great deal more discreet, than some of what I've seen. How about you?


I tell him that I need to go take a bath.. and he says "oh , can I watch"..

Maybe some other time. My bathtub camera is on loan to National Geographic; they're filming something soapy.


Couple of days later we are IMing.. and he tells me he is gonna go take a shower I reply ok then he says "wanna take a shower with me"

Tonight's good for me, I just painted my toenails, and I can't do a thing with them. Have your people call my people. Maybe we can get something penciled in at a later date.

The idea is to keep the conversation light, and humorous. I've found that if you inject humor into what could become easily become an uncomfortable situation, that the conversation suddenly takes on a lighter tone.

Personally, after hearing "well he isn't going to put up with that".., I would find every excuse I could to make myself unavailable to this gentleman. It sounds like there may be some manipulation going on, and I would put a stop to it, before it got started good.
 Lostcauz
Joined: 11/22/2007
Msg: 35 (view)
 
Do you really wonder why Bush and the Repubs want that SSI money in the stock market?
Posted: 9/4/2008 1:52:41 PM
I just looked at my last Social Security Statement, dated August 1, 2008. To date, I have paid in a little over $50,000 into the Social Security system.

If I retire at 62, I would receive $1,225 a month from Social Security.

If I retire at 66 and 8 months, I would receive $1,735 a month from Social Security.

If I retire at 70, I would receive $2,245 a month from Social Security.

Presuming I were to retire at 62, and live to be 77 (the median life expectancy of an American male), I would have received $220,500 from Social Security.

Given that Social Security "investments" yield approximately 1.3% interest per annum, where is the other $170,500 going to come from to pay my projected Social Security benefits?

Better yet, multiply my situation by the number of people who are projected to retire at the same time I am. That is a huge deficit in the system.
 Lostcauz
Joined: 11/22/2007
Msg: 3 (view)
 
Seeking Advice to a Recently Broken Heart - From Men & Women
Posted: 9/4/2008 11:07:03 AM

He was a recently divorced in 2006, . . ..

This would send up a HUGE red flag for me.

Divorced less than two years?

Go away. Get yourself to where you're not feeling like a second class citizen anymore. This guy is very likely still reeling from getting divorced.

Carrying on a long distance relationship, for any measurable period of time, is difficult. But, any relationship with anyone that is recently divorced, especially where children are involved, is complicated exponentially.

The two of you began e mailing one another, you made the first move, the end of May 2008, and it was over on 8-25-08. A very short lived, however, from what you have described, rather intense relationship.


Both his son and his step daughter are great.and we hit is off from the beginning.

This was very likely was one of the many nails in the coffin of your relationship with this man. The kids hit it off with you, and thought you were great. The ex then perceived you as a threat, prior to ever meeting you.


Everything seemed to be going along splendidly until his ex- who is in constant contact with him (. . . cautioned him that)…maybe she and I were a little TOO similar (I guess based on age, body type, and being natural red-heads)…and that maybe he deserved more after “putting up with her all these years”.

Can anyone else hear the quiet insertion of that dagger into this relationship?

Women are catty, by their own admission. Sounds as if the ex-wife cat has had some practice at this in the past.

Of course she's in constant contact with her ex-husband. She doesn't want to let him go.


Now at first I didn’t put much thought into her comments…but then I realized how much they were still “joined at the hip”. He often stays at her house on weekend when she goes out of town with her new boyfriends, to allow their son to stay in his familiar suroundings and to take care of her dogs. This was all fine till she recently broke up with her most recent “fiancees (which there have been several).

Now, why on earth, would a man stay at his ex wife's house, just so the son they share can stay in familiar surroundings? Better yet, why is this guy taking care of "her" dogs, while she's away with another man?

While there are several answers to these questions, only a couple come to mind at the moment. He's stupid, and she's not done with him yet.


In early August, I had to return to my childhood home the DFW area to take care of some personal business (Dr,’s appointments, to move things from storage to were I live now). . . . He volunteered to help me move and accompany me so that I wouldn’t have to do this alone. After a couple of days, we returned to the San Antonio area with the plans of me staying with him for a week or two to check out the job market and test-drive our spending more intense time together to see how well we enjoyed each other’s company…in longer intervals…since he was wanting me to re-locate to San Antonio to start my own business and spend more intense quality time together.

Well, after the “ex” met me and she saw that he was going on with his life with out her (she was on her 2nd engagement since thy had split), she began to drop little “hints” of potential problems like “I don’t know, she and I seem so much a like (which I didn’t agree with) and I think maybe you deserve better…he started picking our relationship apart in his own mind…with out discussing or sharing his concerns with me.

The seed of doubt had been planted way back when, when you met the kids and hit it off so well with them. They very likely came home, and told Mom ALL about Dad's new girlfriend, and how nice she was.

This lady has been engaged twice, in less than two years, of being divorced, and she's giving him dating advice.


By the 7th day we had spent together after we returned to SA, he had made up his mind our relationship was doomed because I was supposedly “too much like her” in some of our female characteristics (hair color, body type, etc). His previous wife had also been to re-hab for drugs and alcohol…four times within there marriage…all things he had convienintly left out while discussing their past relationships.

Fraud by omission is still fraud. Fraud= the misrepresentation of, or failure to disclose, a material fact.

I believe one's ex wife having been to rehab four times in during the course of a now failed marriage would be something I would make known early in any following relationship. But, that's just me.


Now I wouldn’t have a problem with this normally, but him being the son of an alcoholic father, he didn’t really share his paranoia regarding having a few drinks here and there, while we were out socializing. Had I known she had been in re-hab 4 times throughout their marriage and how devastating it was to be the only “responsible one” in there relationship…I wouldn’t have drunk at all…even though I executed extreme self control as always, and certainly maintained my personal commitment to being the woman my Mom raised me to be responsible and in control.

Another fraud. He failed to disclose his own paranoia regarding someone else's drinking; be it responsible or otherwise.


To tie up the ends of this drama, he came home from work one day while I was still there and told me, although he loved me and had deep feelings for me, he wasn’t sure he “loved me enough” to look passed the many similarities between his ex- and me. And that while were out for dinner socializing, and having a few drinks here and there…red-flags and a certain amount on anxiety he experienced while we were together made him freak and “flash back to their life together…and he didn’t think he could hande it again…even though I hadn’t lost control and got drunk like she did. It seem to put him in a constant state of “waiting for the next shoe to drop” mentality…so he didn’t think he could handle or continue our “long Distance” relationship at the current rate of developing it into a Long-Term Relationship…because of their past.

Wasn't sure he loved you enough?

In other words, thanks for the tour of the DFW area, it's been fun, and you were a great lay. Now, it's time for me to get back to living under my ex wife's thumb. Have a nice day.


Now you have to keep in mind, they’ve been divorced since 2006, but are still intimately ingrained in each other’s life on a daily basis. They do have a son together, but constantly talk on the phone about not the son but the many loves in her life. (She’s been engaged 3 times since they divorced. I had my doubts that they were truly “Done With Each Other For Good”…but who am I to say.

You're a big girl. Anyone who talks to anyone about the many loves in thier life is someone who is crying out for attention; very likely the attention of the person they are speaking with about the many loves in their life.

I have a daughter with my ex wife; we have been divorced over 20 years. I don't she has ever mentioned any of the loves in her live to me; and there have been many there too; she's been married twice since we got divorced.


During our time together, after we had returned from the DFW area and back to his home for a little over a week, he came home one day from work and told me, although he loved me, he didn’t know if he loved me enough to look past all the “alarms or flags” that were going off in his head! This was really ironic, since in his off hours, he stayed pretty “buzzed” from his constant pot in-take which seemed a little two-faced and selective implementation of a “sober” mentality he seemed to be saying he absolutely needed from his significant other.

This was just his way of telling you he'd had fun. But, your time as his new play thing was over, and it was time to put you back on the shelf.


I drove home with a crushed and broken heart as well as a bruised sense of self confidence and tons of self doubt thinking I must be a defective personality…because he seemed so “OK” with his proclamations. Although he seemed loving and sensitive during the period just before I left and assured me we would continue to be the best of friends and that we would remain that way…he has all but totally removed himself from my life since last week.

Either he's back, servicing his ex wife, or, he's onto his next conquest.


Please some one, give me some insight whether they are men or women…what the hell gives! How could a man that claims his love for you one day so dedicatedly turn his back so abruptly the next and cut you out of his life so coldly the next. This is a forigen concept to me.

The new wore off, and you became yesterday's newspaper. When it came time, he tossed you out.


What the hell happened! Why did he treat me this way…and feel nothing as he broke my heart into a million pieces so easily? And why does it not bother him that it’s truly reduced me to a crying, miserable woman. I know I should stand myself up, dust myself off and say it’s his loss not mine…but right now I just feel broken hearted and less than the woman I was before this happened.

He's still hurting too; from being divorced. He's very likely still feeling like he's a second class citizen, since he's divorced. It's going to take him a long time to heel from that.

You, very likely, haven't changed a bit. It's his being broken that has caused you to feel broken.


He’s still such a big part of his ex’es life on a daily basis. They talk probably 10 to 20 times a day. They still talk on the phone and see each other constantly, saying it’s because of their son. I’ve joked with him asking him if he’s sure he’s really “Divorced”. She has him constantly doing things around her home, fixing things, calling him over and for the most ridiculous things, like he’s still her personal house-slave, unless she has a new or current Boyfriend/Fiancee, until recently when they broke up.

He's at her beck and call, for any little thing. Surely you can see that he's her puppet.


So here’s my question:

Why do men choose to withdraw and abandon new healthier relationships at will, and how should I handle this. Should I walk a way now and try to maintain what’s left of my confidence, integrity, and any self love and appreciation for the woman he’s missing…me!? Or should I buckle down and fight for him…after all, he turned his back on me and didn’t even try to fight for me or love me through this potentially rough patch.

RUN!!! Run as fast as you can back to S. Padre Island, change your e mail address, phone number, car tags, name, appearance, and anything else that might let him find you again.


How do I handle it from here. He says he wants to remain close friends and that he still loves me…yet I don’t hear from him. And if I call him his cold and distant! Please someone give me an objective opinion. I have no doubt if someone was treating one of my good friends or family members this way…I’d tell them to cut him loose and not look back. Why can’t I give myself this same advice and stick to it!?

You know exactly what you need to do. But, because your heart is involved in making this decision, it's a very difficult one for you to make.

You know what the right decision is to make; all you have to do is make that decision, and stand by it.
 Lostcauz
Joined: 11/22/2007
Msg: 2 (view)
 
Help please! last ditch effort before throwing in the towel.....
Posted: 9/4/2008 4:54:01 AM
Try posting pictures that are clear.

Three of your pictures are so dark, that it's hard to tell if there is an image there at all.

Give yourself some time. It may take a while for people to notice you are here.

Get involved in some of the forums. Discussion is a great way of meeting people.
 Lostcauz
Joined: 11/22/2007
Msg: 33 (view)
 
Do you really wonder why Bush and the Repubs want that SSI money in the stock market?
Posted: 9/4/2008 4:44:58 AM

lostcauz, I have to question your numbers there, bud. Not sure how someone who paid $22 into SS ........that's like few hours pay, not even a quarter? .........would quality for a rate that would yield $24k over time.

I said the VERY FIRST PERSON to draw a Social Security Check paid in $22, and change. This same very first person to draw a Social Security Check, received over $24,000 in Social Security benefits.

In other words, this lady only paid into Social Security for a very short time. Yet, she received Social Security benefits for a very long time.

I don't recall the specific dates. However, as I recall, this particular lady began paying into Social Security shortly after it started. She then started receiving her Social Security benefits, only after paying into the Social Security system for a very short time.


And by the way, many if not most people pay into SSI all their working lives.......if and when they become disabled, I can assure you that they'd rather be abled and working than collecting the pittances from SSI.

I beg to differ here. There are a great many CHILDREN, who have never worked a day in their very young lives, who draw Social Security benefits.

There are an infinite number of people who draw SSI, my brother being one of them, who worked less than ten years, before drawing SSI. To date, he has drawn SSI for more than ten years. My brother draws SSI, not only for himself, but, also for his two children, who have yet to pay into the Social Security system.

This means that my brother's two children receive benefits for something they never paid into, and their father paid into for less than ten years.

My brother, and his children, are not the exceptional case either. Over 60% of the people drawing a check from the Social Security system, either paid very little, or paid nothing, into Social Security.

Question the numbers all you like. The equation of putting a little bit in, and getting a lot out, after only a very short time, would require an astronomical return on investment. Social Security does not even provide a market rate of return on investment.

In fact, I doubt Social Security provides the same rate of return that Savings Bonds do.

The Social Security system is based upon an ever increasing population paying into the system, and was never intended to last as long as it has.
 Lostcauz
Joined: 11/22/2007
Msg: 32 (view)
 
Call A Plumber Lately?
Posted: 9/3/2008 6:03:47 PM
Funny thing about the plumbing company that prompted the original post here.

It seems they're having a bit of trouble getting, or keeping, business.

I had a chance to speak to the owner of the company not long after the fiasco discussed in this thread, and I explained my opinions to him.

I also explained to him, that coming to my home to do a small job was a test drive, so to speak. I have a rental property that I am going to be adding more units to in the not too distant future, and I really don't feel like putting in the new water lines.

It's not a huge job. But, it would have kept a couple of plumbers, and at least one piece of equipment, busy for two or three days.

At $600 an hour, I can afford to rent the trenching machine I'll need, and put the pipes in myself.
 Lostcauz
Joined: 11/22/2007
Msg: 16 (view)
 
two faces of repubican party
Posted: 9/3/2008 5:52:05 PM

i live in south Carolina. Karl rove. spread a rumor that mccain had a black child. but i no if anyone else does not. john mccain does not like bush. i just wonder how much money does it take to sell your soul.

I don't know if the young lady is black. But, I heard McCain say the other day that he and his wife had adopted a child, that was in an orphanage, from a foriegn country. Best I can recall, he said his daughter is now 17.

Just an aside Gary. In case no one bothered to tell you. South Carolina is rather a conservative state.
 Lostcauz
Joined: 11/22/2007
Msg: 30 (view)
 
Do you really wonder why Bush and the Repubs want that SSI money in the stock market?
Posted: 9/3/2008 5:34:52 PM
My personal opinion why a LOT of people, including private citizens, want Social Security money, at least a very small portion thereof, in the stock market, is because the money will earn hugely larger returns than it does sitting in the so called Social Security Trust Fund.

Galveston County, Texas (I believe) opted its county employees out of the Social Security System back in the 1960's. Today, retirees from Galveston County, who contributed less than what most of us pay in Social Security Taxes, not including the employer match, are drawing roughly three times what those who paid into Social Security are receiving.

SSI is another joke. SSI is generally paid out to people who either paid very little, or nothing at all, into Social Security. Yet, they are able to draw a monthly check from Social Security.

The very first person to receive a check from Social Security, it was a lady, paid something like $22, and change, into Social Security. She received over $24,000 in Social Security benefits after she retired.

Over 60% of the persons drawing from the Social Security system are doing so through SSI.

Thus, only about 1/3 of the people who draw Social Security actually paid into the system from the time they started working, until they retired.

I think we should ALL be allowed to opt out of the Social Security system, on an individual basis, and invest our own money the way we see fit. But, I get up and go to work every day. I don't lay around in public housing, waiting for the mail man to bring my monthly check, and food stamps.
 Lostcauz
Joined: 11/22/2007
Msg: 21 (view)
 
Obama on the oreilly factor?
Posted: 9/3/2008 5:10:25 PM

(and now is a great time to go on, because the republicans are calling for this "end to all smears and personal/family attacks, so if they do the usual Barack Hussein Obama stuff, they'll look sad).


As I recall, it was Obama that first said families, and children, of candidates are off limits.

To Mr. Obama's credit, he echoed those same words, when questions concerning Ms. Palin were posed to him.
 Lostcauz
Joined: 11/22/2007
Msg: 2 (view)
 
two faces of repubican party
Posted: 9/3/2008 4:58:03 PM

and to listen to fox, our republican women running for vp is the next coming of god.


Gee, and here the liberal media has portrayed Obama as the Messiah.

I guess we'll find out in November, just which one is who. Huh?
 Lostcauz
Joined: 11/22/2007
Msg: 63 (view)
 
Sarah Palin Thinks Iraq War is a Task From God
Posted: 9/3/2008 4:45:23 PM
The fact that it's an open investigation indicates that there has been not finding of any wrongdoing on her part either.

Gee, what a novel idea, let the system work. You know, let people do what they are paid to do, and see what the findings of the investigation are?

It's no wonder so few people run for public office.

Any sane person would shy away from having their families, and themselves, subjected to the Court of Public Opinion, where speculation, supposition, and conjecture, reign supreme.
 Lostcauz
Joined: 11/22/2007
Msg: 57 (view)
 
Sarah Palin Thinks Iraq War is a Task From God
Posted: 9/3/2008 3:17:51 PM

1) The Director of Public Safety had to resign because he refused to fire her ex-brother-in-law as a state trooper because he was in a custody fight with her sister. My question is... if she's willing to do this, what will she be willing to do when she becomes vice president... or God forbid, if something should happen to McCain and she becomes president?!

The New York Times is not exactly what many would refer to as some great bastion of objectivity. However, my guess is that there is a great deal more to this ex brother in law story than is being told. Maybe we should see if there is anything more come out about this matter, before we go making judgment calls.


2) It is likely that Sarah Palin was pregnant before she got married... so shot gun weddings seem to be running in the family... My question is... is this the type of behavior i want to be teaching my children?

It is also likely a great many prominent people throughout history were pregnant, or fathered a child, out of wedlock.

Some prominent figures in politics visit prostitutes, on taxpayer time, and use taxpayer dollars to pay for the prostitutes' services. Other prominent leaders have sex with interns in their offices, while on the phone with foriegn leaders. These people have somehow remained in their respective public offices.

I heard it said today, that poor people have shotgun weddings. Rich people have 13 pound premature babies.

Martin Luther King, Jr. was more than a little promiscuous, while he was married, and had children. Yet, Mr. King is touted as a great civil rights leader.

But, all of these shortcomings are not to be considered when it is a liberal that has them. Oh no, these are personal matters, and have no bearing on their ability to lead, or serve the public.

Perhaps we should look just a little further back in history, before questioning the morality of a candidate, whether they be liberal or conservative.
 Lostcauz
Joined: 11/22/2007
Msg: 44 (view)
 
Sarah Palin Thinks Iraq War is a Task From God
Posted: 9/2/2008 5:43:40 PM
There was an earlier post about how in Alaska, ALL of the citzens of Alaska share in the Natural Resources, and the revenues derived from those resources; including Sarah Palin's family.

Following is an excerpt of the commentary regarding the Alaska State Constitution, which was ratified in 1956, and adopted in January 3, 1959:


[edit] Article VIII: Natural Resources
Article VIII is the first article dealing solely and broadly with resources to appear in a state constitution. The delegates wished to curtail what was seen as abuse of Alaska's resources (citation omitted) and ensure reasonable development to broaden Alaska's economic base. The chief principle was that resources should be managed as a public trust, providing "for maximum use consistent with the public interest", further defined as "utilization, development, and conservation... for the maximum benefit of [the] people"; for common access to resources; and for development to be based on sustainable yield. Article VIII also provides for state parks and protected areas, and for the leasing of state lands for resource development.


I don't know it for fact. However, judging from her pictures, Sandra Palin doesn't appear to have been old enough to have any influence on the political events of 1956, or 1959.

Since ALL citizens of Alaska share, as I understand it, equally, in whatever revenue is generated by Alaska's Natural Resources, Ms. Palin's family would receive no greater share in the revenues than any other family residing in Alaska.


Pro-LIFE = Anti-ANY DEATH (including killing through Wars, Euthanasia, and Abortion). It's about consistency in the ideology. The ideology is used to SERVE the people (the people don't serve the ideology). Therefore, when there is a conflict between the ideology and safety to the people, exceptions can be made in certain circumstances (e.g. rape, incest, & harm to the mother as justified reasons to allow abortion, homeland security/self-defense as a valid reason to go to war). Remember, these are EXCEPTIONS to the rule.

Try as I might, I cannot follow the logic trail in this statement.

Exceptions are made in the law concerning the unlawful taking of a human life, because such is necessitated by the reality living in society.

The lawful taking of the life of another during war time is the same exception that has been in existence for a very long time, and can be traced back to the days of Common Law. During war time, it is a kill, or be killed, situation; i.e. self defense.

As for homeland security, please correct me if I may have seen something that wasn't there, or heard news reports that were not broadcast.

As I recall, there were several UN resolutions passed, and a great deal of effort made, on behalf of many organizations, to avoid a war in Iraq.

If the intelligence was, in fact, faulty; then, a great many nations, not merely the US, had, and acted upon, faulty intelligence.

Maybe, just maybe, Saddam over played his hand, and got his bluff called. Unfortunately for Saddam, the coalition forces weren't bluffing.
 Lostcauz
Joined: 11/22/2007
Msg: 38 (view)
 
Sarah Palin Thinks Iraq War is a Task From God
Posted: 9/2/2008 5:09:07 PM

To be consistent in the pro-life philosophy, life has to have sanctity from conception to death. aka thou shalt not kill.

To be consistent in the pro-life philosophy, as I understand it, a life has the protection of law, from being murdered, from the point of conception to the time of death.

In simple terms, this means that a life cannot lawfully be taken, with some limited exceptions, from the time of conception to the time of death.

Thou shalt not kill, is a rather archaic interpretation of the hebrew language.

All, but the oldest of interpretations of the ten commandments, replaces the word "kill" with the word "murder". It is my understanding, from having had many lengthy discussions with different pastors, and some rabbis, that "kill" and "murder" have the same meaning, in their opinions, as the words are used in this commandment.

In short, the pro-life side of the equation says that a life, once conceived, should not be taken, absent some compelling reason otherwise.
 Lostcauz
Joined: 11/22/2007
Msg: 28 (view)
 
Sarah Palin Thinks Iraq War is a Task From God
Posted: 9/2/2008 3:55:46 PM

I am not here to battle at all. I am here to bring the message of love compassion forgiveness and nonviolence.



I wish to see the end of the ugly cycles of suffering and violence in this world and any man or woman who thinks that any war is a task from god really needs to learn about love, compassion, forgiveness and nonviolence. They have fallen for weakness instead.



It takes the greatest strength to instead of reacting to someone who wrongs you with violence to instead forgive and show them love, compassion, forgiveness and to remain nonviolent.

Rather interesting statements, coming from a martial arts instructor.

One of my martial arts instructors once said, in an open class of adults: "If someone hits me, it's on."

According to Webster's Dictionary "martial" means combat, or the art of combat.

While the modern martial arts teach non-violence, the martial arts only came about as a way of engaging in combat with what few implements those who developed the martial arts were left with, by marauding armies.

Combat, does not logically evoke a connotation of peace, forgiveness, and non-violence.
 Lostcauz
Joined: 11/22/2007
Msg: 21 (view)
 
Sarah Palin Thinks Iraq War is a Task From God
Posted: 9/2/2008 3:18:28 PM

I will tell why many pro-lifers believe in love for the fetus and hatred for the child. They worship the fetus and when the child is born allow them to live in poverty only to send them off to be mangled and slaughtered in their wars they dream up or, choose to murder people via the death penalty. Pro-life should be anti war anti death penalty and truly pro-life and not just anti-choice. People who choose to use religion for their arguments like to pick and choose and use and abuse religion in their mouth foaming extremist ideals.

They quote the bible when it suits them and totally ignore Jesus's message of pacifism. They instead will skip over Jesus and try to quote something from the old testament and then try to claim they are Christians. The angry jealous ideal of god seems to have more appeal to them more than Jesus who called for forgiveness, turning the other cheek, love, compassion, and not passing judgment on their fellow man.

Who would Jesus bomb?

This is for the 4,000 us boys and girls that were slaughtered and the hundreds of thousands of Iraqi people slaughtered in the name of greed.

This is not a task from god but is the task of a lunatic maniacal blood thirsty man who wanted vengeance.

Your rant about martin luther king jr is typical nonsense. No man is perfect, so he might have liked to sleep with multiple women. Nothing new, all men would like this on some level I would think.

It is called biology we are mammals my friend not birds. Look up the percentage of monogamous mammals and after your education for the day get back to me.

Secondly his love for more than one woman does no harm to the righteousness that he embodied on the front of racism and nonviolence! He was a shinning example and your attempt to discredit him for his love for life and making love to more than one woman is appalling.

Typical social conservative nonsense and hypocrisy. This group of people claim to be perfect and fall short on every level. Next you will try to belittle Gandhi, the Dalai Lama, Jesus, Buddha and Mohammad too. They all preached nonviolence and showed people the way to live it.

Though many invoke their names to start violence that is the tragedy!

I suppose you want to point out what you perceive as their failings even though all of these masters have brought more positive things to our existence than ANY or all of the so called social conservatives we have seen in our days.
Social conservative in what I have seen is a code word for fascist, extremist, and hypocrite.

I believe this is what is commonly refered to as prima facie evidence of what happens when one engages in a battle of wits with an enemy that comes to the battle armed only with thier emotions.
 Lostcauz
Joined: 11/22/2007
Msg: 18 (view)
 
Sarah Palin Thinks Iraq War is a Task From God
Posted: 9/2/2008 2:29:05 PM

Yikes...now this choice makes more sense.
McCain trying to get the religious right on his side!

Here's a clip of Palin speaking at her Church stating she believes the Iraq war is a task from God! This is June of 2008!

She also wants God to help build a pipeline.
Yes Mrs Palin, Jesus wants us to bomb and kill Iraqis and build oil pipelines.
What a freak!


http://www.huffingtonpost.com/2008/09/02/palins-church-may-have-sh_n_123205.html


"Pray for our military men and women who are striving to do what is right. Also, for this country, that our leaders, our national leaders, are sending [U.S. soldiers] out on a task that is from God,..."

"That's what we have to make sure that we're praying for, that there is a plan and that that plan is God's plan."

and on a $30 billion oil pipeline:


"I think God's will has to be done in unifying people and companies to get that gas line built, so pray for that,"

It would be nice to see quotes that are not excerpts, of excerpts, which have both been taken out of their respective contexts.


At first I thought Palin was a great pick, even though I personally thought she was coocoo for CoaCoa Puffs.

But now that her pregnant daughter is being talked about, and stuff like this is getting out, I'm not as sure. All the other possibles (on both sides) have had intense media scrutiny. She's now getting her first taste of it.

Gee, is there anyone whose family hasn't had a family member that has become pregnant, or had a child, out of wedlock?


I hate to say this, but her past is going to be blogged all over. In our northern most town (Inuvik), they say that if you can't get laid, you're just lazy. These northern towns have more promiscuity than the average American is used to. I'm not saying it's definite, but the odds are than Mrs. Palin has some skeletons that will be coming out.

Everyone has skeletons in their respective closet. It's because of the extremely intense scrutiny that a great many people who are qualified to run for public office never do.

One can be convicted in the Court of Public Opinion, based solely upon rumors, which provoke speculation and supposition. The overwhelming majority of people can't be bothered with such moronic, idiotic, behavior. Thus, only a very few ever set foot into that pool of piranhas.


Pro-Life these days means you love the fetus and hate the child. True pro-life must be anti-war. To think any war is a task from God is NUTS!! To think any war is a task from god is blasphemy! The only war that is a task from God is the war against war and this one cannot be won with violence. It can only be won by compassion, love, and forgiveness.

A most interesting joinder of two issues into one sentence.

I, for one, would be most interested in learning how being pro life is equated to loving a fetus, and hating a child.

This understanding of God's teachings must be taken from the Jefferson Bible, the one where Jefferson took everything out of the Bible that he didn't like, and published his own version of the Bible.

As I recall, the King James version of the Bible, and the New American Standard Bible, both say that there will always be wars, and rumors of wars.


Christians need to follow the examples of Jesus and Martin Luther King Jr. Who exemplified true Christianity. They laid their lives down on the side of righteousness without becoming violent. Jesus even forgave his own murderers! To go against this is to be the true anti-christ!

Oh yes, the example of Martin Luther King, the great womanizer, is being followed by a great many males in society today. It's the following of Mr. King's example that has caused so many women to be single parents, and children to grow up not knowing their fathers. That is, assuming the mothers of these children know who the father of thier child is.
 Lostcauz
Joined: 11/22/2007
Msg: 9 (view)
 
Sarah Palin Thinks Iraq War is a Task From God
Posted: 9/2/2008 1:55:12 PM

One more thing I forgot to add. Iraq war is only a task from god if you think George W Bush is god. He is the one who started this mess against the law. It is his war his task this just proves how much she worships him.

Hmmmm, as I recall, there was somewhat small, possibly even trivial, matter of either seventeen, or eighteen, UN resolutions having been passed; prior to the war in Iraq.
 Lostcauz
Joined: 11/22/2007
Msg: 273 (view)
 
Concealed Carry Laws in Cities / Suburbs = Terrible Idea
Posted: 8/30/2008 11:43:18 PM

I agree. Furthermore, just see what happens if you are robbed and/or injured by some miscreant, and you try to sue the police for failing to protect you. You'll lose.

An exceptionally good point.

The US Supreme Court has, and many other Appellate Courts have, ruled that law enforcement has NO DUTY TO PROTECT AN INDIVIDUAL. In fact, US Courts have consistently ruled that one's individual saftey/security is an individual duty.

Thus, it is up to the individual, not the Police, to ensure one's safety.

Thise could very well be one of the issues that lead the US Supreme Court to its most recent decision in Heller.

I am a former Police Officer, and generally speaking, I do not go armed when I am out in public. Nor, do I have a Concealed Carry Permit for where I presently live. Although, all I would have to do is go down to the Sheriff's Office, show my Peace Officer's License, and would likely be issued a Concealed Carry Permit without having to the required class.

Personally, I haven't felt the need to go around in public armed. However, given that my fiance', and her young daughter, will be living here in just a few weeks, I have been giving the matter of getting a Concealed Carry Permit much thought.

I feel it's a matter of personal choice, and responsibility. For me, I'm not very concerned about being harmed by the criminal element in society. However, when it comes to my family, for whose safety/security I am responsible, having the ability to prevent their being harmed, makes me think a little differently about the issue of carrying a concealed weapon.
 Lostcauz
Joined: 11/22/2007
Msg: 245 (view)
 
Concealed Carry Laws in Cities / Suburbs = Terrible Idea
Posted: 8/28/2008 3:21:15 PM

Good point. The villain in this story used a knife AND a vehicle to attack others, causing serious bodily harm and death. Note that his use of the knife was also charged as an offense by itself:


And by that logic, if everyone has a gun then no-one will use cars to attack others.

This whole "if they don't have guns they will just use cars/knives/staple removers" is so patently moronic.

It's no different from saying "why make murder illegal, if someone is determined enough they will just kill you by making you commit suicide".

Please forgive me, but, I can't find the logic train here, let alone where the track is that it may have been on; if there was ever a logic train, or a track for one to follow.

The argument has been made that if ALL guns were removed from society, save those kept by law enforcement and the military, the crime rates would go down. This sounds like a logical argument to make.

Using this logic, ANY implement, be it knife, car, club, scissors, whatever, that can be shown to be inherently dangerous to public safety, would have to be removed from society as well.

Using this logic, cars, not foolish, inattentive, or drunk, drivers, but, cars kill more people than guns do, every year. So, cars can be shown to be inherently dangerous, exceedingly more so than guns, to public safety. Thus, using this logic, ALL cars should be removed from society, in the interest of public safety.

History tells us that people were killing each other with a huge variety of weapons, long before guns were ever invented.


Really... instead of the mindless slogans designed to appeal to a 4th grade intellect, how about actually using some rational, adult reasoning (I know it's really hard but do try).

Or is that expecting too much?

The same question might be asked in response.
 Lostcauz
Joined: 11/22/2007
Msg: 226 (view)
 
Concealed Carry Laws in Cities / Suburbs = Terrible Idea
Posted: 8/28/2008 12:10:01 AM

Fort Worth's homicide rate ?

The last numbers I found were for 2006 .........51 . The death penalty, CCW laws all over the state allowing handguns almost anywere including inside airports (up to the secure areas of them, at least), and a self defense law that allows you to shoot someone that isn't even a threat to your life - like someone robbing your house.

Still more murders, and more crime. If CCW laws actually reduced crime, then this would not be true.

I don't know where Edmonton, Canada is, or what it is close to. However, I do know where Ft. Worth, Texas is, and that it is part of the Dallas/Ft. Worth Metroplex. The Metroplex encompasses at least two counties, and more cities than I can recall.

People who live in the Metroplex refer to the area, as if it were one city. The Police Officers that work in the Metroplex may work for any given city. However, they must "work" the entire Metroplex, as city limits are only defined by the signs indicating them in that area.

When considering crime rates for this area, one should consider the entire Metroplex as a whole.
 Lostcauz
Joined: 11/22/2007
Msg: 221 (view)
 
Concealed Carry Laws in Cities / Suburbs = Terrible Idea
Posted: 8/27/2008 5:31:52 PM

Stoves have safety interlocks. Drivers must get trained and licensed. Public safety officers can quarantine virulent disease carriers if necessary. We provide public education for virtually everyone for 12 years in the hope that they all will grow up to be informed voters and responsible citizens.

How is any of that inconsistent with the idea that a well-regulated militia requires that the citizen soldiers be _trained?_

In Washington DC v Heller, the US Supreme Court ruled, quite clearly, that the right to keep and bear arms is an INDIVIDUAL right, and not a collective right.

The "well regulated militia" portion of the second amendment to the US Constitution, as determined by the US Supreme Court, is a statement of purpose, and not an operative phrase. Accordingly, the "well regulated militia" phrase, as it is used in the second amendment to the US Constitution, has no bearing on an individual's right to keep and bear arms, concealed, or otherwise.
 Lostcauz
Joined: 11/22/2007
Msg: 1 (view)
 
Making Bio Diesel At Home
Posted: 8/27/2008 5:17:58 PM
I overheard some guys discussing how they'd stumbled onto a way of making bio diesel at home. When asked, they explained that they were able to make a batch of bio diesel, about 40 gallons, in about 45 minutes. All of the equipment needed could be bought locally, for less than $200.

They explained that the method they used involved mixing a given amount of kerosene, a given amount of gasoline, and a given amount of some secret diesel additive, to the used cooking oil to make bio diesel. I was told that they can make a gallon of this bio diesel for about 80 cents a gallon.

The web site they gave me is: Dieselsecretenergy.com

The guys I spoke with said they've been running two diesel pick up trucks, a Ford, and a Dodge, and a diesel Mercedes Benz, off of what they make at home, for nearly six months, with no troubles at all. No modifications had to be made to any of the three vehicles mentioned.

Everything on the web site sounds legitimate. However, being the skeptic that I am, I'm curious what those who are much more familiar with these things than I am, have to say about making your own bio diesel at home, and this alternative process for doing so.

I will be driving a new Chevrolet 2500 HD, with a Duramax diesel engine, in the not too distant future. My other half has told me that this is the only new truck I am ever going to have. With the price of diesel over $4 a gallon, 80 cents a gallon sure sounds good.

But, if it sounds too good to be true . . . Which is why I seek the thoughts of those more knowledgeable on this subject.
 Lostcauz
Joined: 11/22/2007
Msg: 217 (view)
 
Concealed Carry Laws in Cities / Suburbs = Terrible Idea
Posted: 8/27/2008 4:12:05 PM

No one "needs" to carry a gun. Why would you want to?


I can cite 455 reasons why I "need" to carry a gun.

That is the number of people I put in jail, when I was a Police Officer. Nearly every one of them was not happy about having been arrested (some swore to get even), and put in jail; let alone, a vast majority of them having been sent to prison, some of those, for the second or third time.

Why would I want to carry a gun? There are rather basic reasons.

I may run into one of the 455 criminals that I arrested, and that person might just want to make good on getting even.

I have a family that relies upon my being able to work, and provide for them. Mama would be rather unhappy if I got hurt, or killed. You know, if Mama ain't happy, ain't nobody happy? I've promised Mama to do my very best to keep her as happy as I possibly can.

I've grown fond of breathing.

Criminals usually decide NOT to perpetrate crimes, when they have been confronted with equal force.

Merely the production of a gun, almost ALWAYS stops someone from whatever illegal activity they are engaging in.

I'm sure there are other, and better, reasons for carrying a gun as a private citizen. I'm sure the other posters here will add to the list.
 Lostcauz
Joined: 11/22/2007
Msg: 52 (view)
 
Are You Better Off Now Than You Were Four Years Ago?
Posted: 8/27/2008 3:53:59 PM

I find it amazing that everywhere else in the country the housing values are dropping except in your world. According to The New York Times (http://www.nytimes.com/2008/08/27/business/27econ.html?bl&ex=1219982400&en=149edf05b53c24f2&ei=5087%0A) home values are dropping all over the US. New home sales are down also, but you want me to believe that all the homes you own have increased in value? How is that possible?

The very first rule of real estate is: Location, location, location. That's how it's possible.

The home I bought six years ago, was appraised for 42,000; the price I paid for it. A year ago, this month, it was appraised for $130,000; 7 1/2 acres, at $15,000 an acre, and a single wide mobile home. I planned on selling it, when we bought this place. However, in two months, no one made a reasonable offer. So, I decided to rent it out instead.

This house is in what people around here refer to as "horse country." Thus, I believe it will continue to go up in value; solely based upon the land, and its location. Shortly after my current tenant moved into this house, I was told that land in the area was selling for $17,500 to $21,500 an acre.

Look up Aiken, South Carolina; it's known for horses, and all of the horse related activities that are held there.

The house my fiance' and I bought this house last year, this month, for $235,000, double wide mobile home, with an attached two car garage, with a sun porch addition, on 41 acres. It was just appraised for $300,000; now we can drop the Private Mortgage Insurance, which the reason for the appraisal.

A very large Equestrian Center, Brigadoon, its likely listed as being in Williston, is going in, within minutes of this house. I have been told that land in Brigadoon is selling for $23,500 an acre. Thus, I have no doubt, that given the amount of acreage, the number of mature pecan trees, and other hardwood trees, on the land, that this house will continue to go up in value.

The house my fiance' just bought was a foreclosure, she paid $103,000 for it. The market analysis, and appraisal, said it is presently worth $124,000. This house is in the Dallas/Ft. Worth area. As far as I know, the Dallas/Ft. Worth area has not been hit as hard as other parts of the country, in downturn of the housing market.

I quite frankly don't care whether anyone believes that the values of these homes are going up or not. I know, for fact, what the appraisals have shown. According to the appraisals, the values are based upon recent sales of houses in the area where the subject property is located, and lists the comparable homes used for the analysis.

I didn't write the appraisals, I just read them.
 Lostcauz
Joined: 11/22/2007
Msg: 49 (view)
 
Are You Better Off Now Than You Were Four Years Ago?
Posted: 8/27/2008 2:12:09 PM

I didn't say it was worth less than it was when I bought it, and for the record I bought it 5 years ago. Overall it's still worth more today than when I bought it, close to twice the original purchase price... What I said was that it appraised this year for 15% less than it did last year.

Please accept my humble apology for mis stating your original post; such was not done intentionally.

A 15% swing in price, either direction, from year to year, especially in real estate, is huge. Having studied, and done some work in, real estate, I'm rather surprised at such a large reduction in value in one year.

I would imagine for there to be such a large reduction in value, you must be in one of the parts of the US hardest hit by the current housing market downturn.

My guess is, that in another five years, or so, that house that has suffered the 15% reduction in value will likely double in value, again.
 Lostcauz
Joined: 11/22/2007
Msg: 46 (view)
 
Are You Better Off Now Than You Were Four Years Ago?
Posted: 8/27/2008 12:48:17 PM
Someone mentioned, several posts back, that the house they bought not long ago, is now worth 15% less than what they paid for it.

I did a little research concerning the house I bought seven years ago, and the one my fiance' and I bought last year, and the one my fiance' just bought, about a month ago.

The house I bought seven years ago, is now worth 309% of what I paid for it.

The house my fiance' and I bought a year ago, is now worth 128% of what we paid for it.

The house my fiance' bought a month ago, is now worth 123% of what she paid for it.

Will these figures be true in the future? I don't know, and I don't care. None of these houses were bought with the idea of reselling them; they were bought to be lived in.

If someone buys a house, because it will appreciate in value, this is speculating in real estate. If the house goes up in value, and can be sold at a profit, great. If the house goes down in value, and has to be sold at a loss, that's the other side of speculating.

Maybe you'll have better luck in the future.
 Lostcauz
Joined: 11/22/2007
Msg: 45 (view)
 
Are You Better Off Now Than You Were Four Years Ago?
Posted: 8/27/2008 12:37:50 PM

Taxes are necessary for goverment to run properly. . . We are the government!

Someone please wake me up when government starts running properly.


Second, proper use of taxes stimulate the economy far greater than the money lost. . . It is called an economic multiplier.

I'd surely like to know if, and when, government has "properly" used tax revenues.


Third, there seems to be a misconception that wealthy people are struggling, it isn't the wealty that are struggling, it is the other four quintiles below them.

There's a very good reason why the truly wealthy aren't struggling too awful bad in this economy. The truly wealthy are business owners, and they pass the cost of doing business, what ever that is, onto consumers, in the form of higher prices for their goods. As an economist, you well understand the concept of the cost of goods sold; EVERYTHING is factored into the cost of goods sold.

Raise the minimum wage? Raise taxes? Go right ahead. Business will just pass the costs onto the consumer. A very good example of this is the trucking industry. Fuel prices have more than doubled in recent years. In order to keep trucks running at a profit, companies are charging, and paying their owner operators, a Fuel Surcharge. This Fuel Surcharge is based upon the price of fuel at the time the load is booked with the trucking company.


Fourth, our economy works from the bottom up, not the top down. Proof is simple, every time there is an increase in minimum wage, the economy improves, and unemployment drops (EVERY TIME!!!) Also, when the Stimulus checks arrived, it caused an increase in the economy of .5% in one month, that is a 6% annual growth rate, twice Bill Clinton's! Liberal tax policies stimulate the economy causing EVERYONE to improve. You have been lied to by the right wing.

I'd sure like to know where all of this growth in the economy went, because I surely haven't seen it. In fact, prices went up significantly where I live, just as soon as it was announced when the stimulus checks were going to be arriving in people's mail boxes.


FInally, our tax rate is NO WHERE NEAR the highest. We pay the most for healthcare, but rank in the 40s, we pay approximately 40th in taxes, but we receive the least in return. Other countries get healthcare, we get an occupation of Iraq.

Where do the taxes charged US Corporations rank worldwide? I surely doubt they are also 40th.


It isn't how much we are taxed, it is that our money is squandered on war instead of infrastructure. Our bridges collapse and our leveys break, but we can occupy a country that didn't attack us.

The present infrastructure of the US has LONG been an issue that has needed to be addressed; a VERY long time before we were attacked and set about making sure any further such attacks would not be taking place in the future.

Our Interstate System is 50 years old this year; it was designed to last roughly 40 years. The leveys that broke weren't designed, or constructed, to withstand the punishment they suffered. Yet, after the hurricane passed, people were dancing in the streets that would later be flooded.

The Highway Trust Fund, like another alleged Trust Fund, has been raided for just about ANYTHING that can possibly be argued as a having something to do with transportation. One of those instances was building a bridge, in Alaska, to an island, that is inhabited by 50, yes fifty, people; who didn't want the bridge.

Another raider of the Highway Trust Fund is Senator Robert Byrd, of West Virginia. There are so many things named after this man, that one day, the name of the state may be changed.

I, for one, will be most interested to read what your research reveals; most interested.
 Lostcauz
Joined: 11/22/2007
Msg: 30 (view)
 
Are You Better Off Now Than You Were Four Years Ago?
Posted: 8/27/2008 4:19:47 AM
Obviously, I don't know a great deal about federal level economics. But, I do know that I am better, a LOT better, now, than I was 8 years ago.

As for taxes, I pay fewer taxes now, than I did 8 years ago, and I make the same amount of money. I believe that would translate to an increase in disposable income, as some have referred to it. That disposable income, coupled with some sacrifice, and hard work, has translated into additional disposable income.


1. the major tax cuts have gone to the rich and middle class (halved)
2. the income tax cuts for the middle class and poor have been offset by increases in regressive payroll, excise, state taxes.
3. because average incomes have been flat for 30 years and wages have not the minimum wage has not kept pace with inflation, the buying power of the middle class has been diminished, and only kept strong by the middle class leveraging themselves to the hilt.

If I recall correctly, the income tax rates go up, as someone's income increases. It would only stand to reason, that if you're paying more in taxes, to start with, you would be entitled to a larger reduction in the taxes you pay out.

If you're able to reach the magic figure, whatever it is in a given year, you have to pay Alternative Minimum Tax.

I've been tagged by this Alternative Minimum Tax a few years; there is NOTHING minimum about this tax. I was allegedly a "rich" person, because I had the temerity to work hard, and earn over $60,000 in one year. In addition to what I had paid in during the year, I had to pay in even more, when I filed my income taxes.

Yet, someone can work part time, at a minimum wage job, pay almost no taxes, and get a HUGE refund, because of the earned income credit. This allegedly "poor" person gets a check from the government for more than double what they paid in taxes. Thankfully, this little "loophole" has been closed.

I don't know what the current corporate taxe rate is here in the US. But, last I heard, it was the highest in the world. Gee, I wonder why corporations are moving operations overseas.

In this allegedly terrible, turned down, faltering, economy, I am doing just fine, and I am a great deal better off than I was 8 years ago.

There was a post earlier, where someone liquidated two rental properties, because of the bad economy. I'd really be interested in hearing more about that situation, as I have just become a landlord, to two properties as a matter of fact.
 Lostcauz
Joined: 11/22/2007
Msg: 21 (view)
 
Are You Better Off Now Than You Were Four Years Ago?
Posted: 8/26/2008 5:59:20 PM

IMHO, based upon what I've been able to learn, this foreclosure crisis was brought on by a LOT of loudmouth cry babies spewing about how they were being discriminated against, because banks would not give them a mortgage. The reasons varied, but, there were as many classes being discriminated against, as there are people.

So, banks loosened up their lending standards, so more people could buy homes.



thats pretty funny. even the banks don't have the balls to say that with a straight face.


It would be laughable, if it weren't true.
 Lostcauz
Joined: 11/22/2007
Msg: 207 (view)
 
Concealed Carry Laws in Cities / Suburbs = Terrible Idea
Posted: 8/26/2008 5:49:11 PM

To say that I said 'that "guns" make people "go bad" is ludicrous...'. Way back when I posted that I used to shoot, I had handguns, but got rid of them because I developed wrist problems (I shot a lot). So I do not have a bias against guns nor do I think they are evil.

I just do not think the average person is well enough trained enough to carry one out in public, whether they took a course or not. Some people I used to shoot with have their carry permit for the US so I know about the training needed to get a permit.

After being sent packing by the US Supreme Court, in the Heller case; where the Second Amendment to the US Constitution was upheld; the anti gun crowd starts a new thread, with a different angle of attack.

I agree, in part, with the above quoted statement. I do not think the average CANADIAN is well trained enough to carry a concealed weapon in public. Heck, even the Canadian Police don't carry thier guns when they're off duty.

Thankfully, the framers of the US Constitution saw fit to include a right to keep and bear arms as a right of private citizens, and that right has been affirmed by the US Supreme Court. That right, subject to reasonable regulation, includes the concealed carry of a handgun.

Given what I know of the training, and other requirements, involved in obtaining, and keeping a Concealed Carry Permit; I don't have any concerns at all with someone carrying a concealed weapon; if they have the proper permit.


Now Americans and Canadians are really not all that different. We eat the same things, listen to the same music, our beer is better (sorry), but you people seem to kill each other much more than we do. Why is that? And is there any way to change that?

There is a huge difference in Americans and Canadians; we are respectively citizens of very different countries, and live in significantly different cultures.

The matter of Americans killing each other more than Canadians may be a true statement at present. Given some time, I would imagine the numbers will grow closer together. Or maybe they won't.

I have been to Canada on several occasions; nice place, even in the dead of winter. Personally, I don't care for living in a Police State, I like having my personal freedoms, including that of private ownership of a gun, without having to ask the government for permission, or being told how to store it; and I am a former Police Officer.


I am just guessing at what the cause may be. I am willing to hear others opinions on why things are like they are and what may need to change so people can walk the streets in safety. But what I hear is ‘It is my God given right to blow away scum’ which brings the other side to respond with ‘Who gave you the right to decide who lives and who dies.

The law governing the use of deadly force gives someone the right to decide who lives and who dies; that's who. Put in simple terms, if I am in imminent fear of my life, or the life of a third person, and I have the ability to prevent an innocent from being killed; the person doing the threatening will very likely die. I have shot a lot for many years, and I still shoot a lot; I still seem to hit where I'm aiming as well.


I would like to feel as safe in the States as I do in Canada. Somehow I do not feel a bunch of people packing will change much. If that were the answer Mexico would probably be paradise.

Every state in the US that has passed Will Issue laws with respect to issuing private citizens Concealed Carry Permits, has seen a marked reduction in crime. These are statistics that are readily available from the Uniform Crime Report.

As I understand it, Mexico has much tighter gun control laws than Canada. The problme in Mexico is cultural; nearly everyone in goverment service is corrupt.
 Lostcauz
Joined: 11/22/2007
Msg: 18 (view)
 
Are You Better Off Now Than You Were Four Years Ago?
Posted: 8/26/2008 1:51:59 PM
I beg to differ. One of the longest, if not the longest, stretch of economic growth in US history is when the top income tax bracket was reduced from 92% to something like 38%.

If I recall correctly, that reduction was done in the late 1950's or early 1960's, and resulted in a HUGE growth in the economy, that lasted for a very long time.

When government cuts taxes on the top income tax payers, those tax payers invest more money in thier businesses, hire more employees, to grow thier businesses. Those new employees pay more payroll taxes, and income taxes.

It may sound strange, but, ask any economist, and they will tell you that cutting taxes increases revenue to governments.

It's a simple equation, the more money people have to spend, the more money they will spend.
 Lostcauz
Joined: 11/22/2007
Msg: 9 (view)
 
Are You Better Off Now Than You Were Four Years Ago?
Posted: 8/26/2008 1:46:44 AM

Always bear in mind:

*It's possible for the federal government to slow the economy down, just by giving tax cuts to rich people, who invest the money into companies who use it to buy up smaller companies, which eliminates jobs and competition, thus concentrating the ownership of companies into the hands of less and less owners.

*When big companies buy up small companies, they can raise prices as high as they want, because nobody else is in the market to compete with them. They can afford to wait until you HAVE to buy a car, a shirt, a tv, an appliance; because they're the only ones you can buy it from, and eventually you'll have to pay their prices for it. Of course, we don't have monopolies, but if there are only 3 or 4 suppliers in the market, do they really have to call each other to figure how to fix their prices?


Hmmmm. Two companies come to mind at the moment, that do not fit this category.

What about the very publicized break up of the Bell telephone/AT&T phone system? As a public utility, it was highly regulated, charged reasonable prices, and was still broken up because it had grown too big to suit someone.

Microsoft was, and may still be, going through a rather rough time, because it had the temerity to develop a product that people wanted to buy.

The overwhelming majority of taxes are paid by the so called rich. The Alternative Minimum Tax is reaching down, and hitting those people who make 60,000 a year. Are these people rich?
 Lostcauz
Joined: 11/22/2007
Msg: 187 (view)
 
Concealed Carry Laws in Cities / Suburbs = Terrible Idea
Posted: 8/25/2008 6:46:51 PM
I haven't taken the time to read through all 8 pages of posts in this thread. So, please forgive me, if I raise a point of contention that has already been addressed.

Murder is the LEAST PREVENTABLE CRIME THERE IS.

If someone takes a notion to kill someone, they're going to do it.

The two incidents cited, that started this discussion, both invovled individuals who had permits to carry concealed weapons, and VIOLATED THE LAW. They were both arrested, and CHARGED WITH VIOLATING THE LAW. The fact that they both had concealed carry permits, is irrelevant. They each committed a crime, and have been charged with their respective crimes.

There are an infinite number of people who are murdered by many different means, every day. I don't hear any hue and cry for the removal of all bottles, cars, and all other implements used to commit murder to be regulated, and removed from every day society.

In the US, we have a Constitutional right to keep and bear arms; this right was most recently affirmed in the US Supreme Court, in the Heller case.

Do whatever it takes for those of you against guns to get over it. ALL US citizens have a Constitutional right to keep and bear arms.

ALL US citizens also have a perfect right to leave the US; exercise that right.

Given the posts from our neighbors up North, it sounds as if that might be a place where you might find some comfort.
 Lostcauz
Joined: 11/22/2007
Msg: 7 (view)
 
finding a good roommate/renter
Posted: 8/25/2008 6:15:14 PM
I rented my old home out about a year ago, and I wish I had been a little firmer on some points in the lease.

There are a number of websites, and books, available for those contemplating being a landlord, even if it's renting a part of your home. I am partial to a couple of books written by Robert Shemin; he's been a landlord for years, and puts things in plain english, so even I can understand what he's saying.

A lease is a MUST, and make sure it's VERY SPECIFIC, about EVERYTHING.

Think about way back when, when you were a tenant, and what your landlord expected of you, and what you expected of your landlord.

I would suggest that you get references from two of any prospective tenant's prior landlords. The latest landlord may wish to get the person out, and give them a good reference. The second prior landlord won't have the same motive, and will likely give you the straight story on your prospective tenant.

You can look on the internet, and find out what the average cost of rent is for whatever you are thinking of renting. I would suggest something in line with the average as a base rent; as an incentive, I would suggest that if the rent is paid early, say 5 days, there is a reduction of an amount you determine.

Check with your homeowner's insurance, and see if you need to get a Tenant, or Landlord, Rider on your policy. This is EXTREMELY IMPORTANT; you don't need your tenant suffering some kind of catastrophic injury on your property, and suing you for everything you own, and then some.

If you rent out a part of your home, you will need to address issues such as pets, visitors, especially overnight visitors, and other similar things that you now take for granted, since you own the place.

One other thing is where is your tenant going to park his/her vehicle, or vehicles? Will this tenant have the ability to work on their vehicle on your property?

Try to think of EVERYTHING about your home that may be an issue, and address it in the lease.

One HUGE issue you need to address in your lease is the matter of illicit drugs of any kind. In the US, if your tenant is found in possession of illicit drugs of any kind, your house may be siezed by the arresting authority. That's right, they can take your house, and everything in it, away from you, and put you out of it, right then.

I addressed this particular issue in my lease by having my tenant appoint me as their agent for the limited purpose of consenting to a search of the premises by any law enforcement agency. I also put a very specific provision in the lease that no unlawful activity of any kind was to be conducted within, or upon, the leased premises; further, if anyone was arrested for suspicion of any illegal activity within, or upon the premises, the lease was automatically terminated, and my tenant would have to vacate the premises IMMEDIATELY.
 Lostcauz
Joined: 11/22/2007
Msg: 7 (view)
 
Are You Better Off Now Than You Were Four Years Ago?
Posted: 8/25/2008 5:13:36 PM

In my humble opinion, McCain has done nothing but offer more of the same as his party's current President. He may have been considered a 'maverick' at one time, but in the last two years, he has voted with the President and his party 95-100% of the time.

So basically, he is a guarantee of 4 more years of Bush & Republican policies that have devastated our country. That's the real issue.

And what Presidential policies, exactly, have "devastated our country"?


Think about it: unemployment is rising. The rate stands at 5.7% and we have lost 463,000 jobs since the first of the year.

This is solely a result of President Bush's policies? Anyone who believes this might be interested in some prime beach front real estate in Arizona as well.


And so is inflation. It’s accelerating at a faster rate than it has in 17 years. Gas prices are up 34% in the last year. Oil was around $26 a barrel when President Bush was inaugurated… it touched $147 a few weeks ago.

As a result of what? Speculators moving thier money from mortgage backed securities, which have proven unstable? It's been an open secret for over 30 years that the world supply of oil is dwindling.

Many arguments have been made concerning off shore drilling; President Bush lifted the Presidential moratorium on off shore drilling; oil futures dropped by $10 that afternoon, and tumbled still further in the following weeks. The democratically controlled House of Representatives went on vacation without bringing the matter of lifting the Congressional Moratorium on off shore drilling to the floor for a vote; Thank you Speaker Mimi. When President Clinton was in office, Congress passed legislation authorizing off shore drilling, and he vetoed it.

Estimates quoted lately say that it could take ten years to see the first barrel of oil from off shore drilling here in the US; President Clinton vetoed off shore drilling legislation 13 years ago. This means that had President Clinton signed the off shore drilling legislation into law, we would have had benefit of increased production of our own off shore oil, for three years.

Not even President Clinton could rescind the most basic economic law of supply and demand.


More than 1 million homes are now in foreclosure.

What is the root cause of this huge foreclosure crisis?
And just who bought the vast majority of these homes that are now in foreclosure? What types of mortgages did they get?
How many mortgages are NOT in foreclosure, and being paid on time?

IMHO, based upon what I've been able to learn, this foreclosure crisis was brought on by a LOT of loudmouth cry babies spewing about how they were being discriminated against, because banks would not give them a mortgage. The reasons varied, but, there were as many classes being discriminated against, as there are people.

So, banks loosened up their lending standards, so more people could buy homes. People were getting mortgages without providing documentation of their income, or debts; there were people getting mortgages based solely upon what they put on a loan application.

The vast majority of the homes now in foreclosure were bought by people who, quite frankly, bought more house than they could reasonably afford. They bought these same houses with adjustable rate mortgages, that they knew were going to be adjusted UP at some point in the future. As it has been said before, these people's chickens have come home to roost.


Here are some national comparisons between today and where things were 8 years ago: Americans’ wages have actually gone down since the last recession ended. And we are spending 14.1% of our disposable income on debt; that’s higher than it was in 2001.

And just whose debt is this 14.1% of our disposable income being used to pay? Somehow, I'm left feeling as if the debt being serviced is the debt of private individuals.


Also, a new CNN/Opinion Research Corporation Poll finds 75% of those surveyed think the economy is in bad shape; that’s compared to just 43% who felt that way a year ago.

I REALLY wish some of these poll takers would cite thier sources. In nearly 50 years living in this country, I have yet to be contacted by a poll taker, or meet anyone who has. Yet, we get to hear about all of these research polls, and all of their scientific findings.


Here’s my question to you: With the election 71 days away, are you better off now than you were eight years ago?

Yes, most definitely. Eight years ago, I was struggling to make ends meet.

Today, I am at least 100% better off than I was eight years ago.

However, my good fortune had NOTHING to do with Presidential policies or politics. It had to do with hard work and sacrifice on my part. Last I heard, this was one of the core principals upon which the US was founded.


I'm definitely not better off than I was four years ago. My purchasing power and the value of my house have gone down. Everything's become more expensive and the cost of gasoline has gone through the roof.

These are the very same arguments that have been bantied about, just about ever four years or so, ever since I can remember.

If you bought your house four years ago, and expected it to continually appreciate in value, you made a foolish investment. One should NEVER buy a house simply as an investment. One should by a house to LIVE IN. If that same house appreciates in value, over time, which historically it should, all the better.

I can remember waiting in gas lines with my Dad, back in the 1970's, and how Dad complained about how the price of gas had gone up so much in a very short time. When I started driving, gas was 35 cents a gallon; when I was in the military, I worked part time at a gas station, pumping gas for 59 cents a gallon. Dang, gas has increased in cost ten times in 30 years; what an outrage.

Maybe we should do something like, oh gee, maybe, start exploiting our own oil reserves here in the US and stop buying foriegn oil. What a novel idea, huh?


I am better off, but my case is the exception to the rule, I overcame two foreclosures and saved my house by the skin of my teeth. . . Despite the divorce.

I know many of my fellow Americans didn't fare as well as I did, but I didn't even date for over a year to save enough to save my home.

McSame doesn't know how many houses he has, how appropriate, since many Americans can't answer that question either, because they don't know if they are going to save their only home. . .

Before criticizing John McCain for not knowing how many houses he has, maybe someone should do just a wee bit of research, and see just how many houses John McCain has. I'm willing to bet that it would be rather difficult to determine, because the houses likely aren't held by John McCain at all, but, by his wife; who just so happens to be rather rich.


I'm more or less the same as I was 4 years ago, but I live a very non-traditional lifestyle.

I'm against debt. I don't do it. I didn't even do it when I had no money. Bought a rehab house for a dollar, drove junkers, got good jobs, started businesses. Bought better houses, and cars, all paid for. It's amazing how much more money you have when you just REFUSE to go into debt.

Don't say it's not possible, because it is.

If you don't pay all that interest, you'd be surprised how much more money you will have. It also "recession proofs" you.

I am in the process of getting debt free. In the last 8 years, I bought one home, and paid cash for it; which is now a rental property.

My fiance' and I bought the home we live in about a year ago; in the midst of the now huge foreclosure crisis. Funny thing, we got a mortgage for it. Imagine that, getting a mortgage in the midst of a foreclosure crisis. Who woulda thought?

Just about a month ago, my fiance' bought a home; the bank wouldn't giver her a mortgage for 50% of the home's appraised value. So, she paid cash for it.

By the way, mortgage debt, while still debt, is not BAD debt, because the interest on the mortgage is a tax write off; at least it is at present.


4 years ago I was employed at a good job surrounded by greedy republicans. They were pretty much like McCain, in high positions but couldn't use computers.

I discovered technology that would have cut the company's telecom expenses by 80%. It would have eliminated the need for paying for jobs that were obsolete and it would have cut insurance rates over 60%.

However, these people that surrounded me were receiving huge kickbacks from vendors and so they decided to launch a smear campaign against me and moved to have me fired. They found that it would take 4 engineers and 2 analysis's to replace me and they expected me to train my replacements. Every replacement I was training quit when they saw the environment they would have to work in and realized they did not have to qualifications to do the jobs I was doing.

When they finally canned me, they expected me to sign an agreement stating I would not disclose any of the corruption I uncovered with a 3 months severance package.

My lawyer, negotiated a very large sum for me not to make the knowledge public and I still got to make a report to the regulatory authorities.

And the outcome of your report to the regulatory authorities was?

Last I heard, getting kickbacks from vendors, is a felonious act, in the US; it's also actionable in a civil proceeding. You didn't sue the company under the protection of the Whistler Blower laws, and win a tremendously huge Judgment? Why not?


So even though I don't make as much money now, I don't have to work among a bunch of crooks, I was able to cash in my 401K without penaty and so I didn't loose that investment and have started a business to help rout out corruption.

Many, many, people who have 401k's await to hear how you were able to cash out your 401k and bypass the stringent provisions of the Internal Revenue Code.


When the democrats are in control, I'll be glad to help them rout out as much corruption as possible.

Maybe start with the most crooked supporters, and influence peddlers, there are in politics; labor unions. That would be a good start.
 Lostcauz
Joined: 11/22/2007
Msg: 561 (view)
 
would guys date a female cop?
Posted: 8/25/2008 12:41:39 AM
I don't know, for fact, the history of the term "Cop". However, way back when, in the dark ages, when I went to college, one of my instructors said that the term "Cop" was an acronym for: Constable on Patrol.

He went on to explain that the term found its roots in England, when Robert Peel, first established organized law enforcement there. It seems that the citizens began calling those charged with keeping the peace "Peelers", and such didn't sound quite right.

Somewhere along the line, the term Constable was settled upon, and Constable on Patrol, later became Cop.

I've never heard any Police Officer refer to a Chief of Police, or a Sheriff, as a Cop. I would think doing so would likely earn the Officer some time off, without pay.
 Lostcauz
Joined: 11/22/2007
Msg: 132 (view)
 
Men over 45 and facial hair
Posted: 8/24/2008 4:45:25 PM
I grew my mustache at 19, after I got carded for cigrarettes at the same store that I'd bought them at since I was 12. They guy said I "looked" too young to be smoking.

I've shaved my mustache twice, since I first grew it; both times were for job interviews, over 20 years ago.

My fiance' likes my mustache, and would prefer that I grow a goatee permanently. Unfortunately, my occupation dictates that I be able to wear a respirator. Thus, mustache is fine; goatee is a no go. But, once I retire, I'll be growing that goatee to keep the boss as happy as I possibly can.
 
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