mention another great clearance sale? According to what I heard this morning, today marks the beginning of Linens 'N Things going-out-of-business clearance sale. And while it doesn't say so on their website, they do have a big red "All Sales Final No Returns" on there...
What if we take the story and still get the $20 dollar rebate. But this time, everyone wants a piece, but no one can agree on where it should go. Someone interjects that since the top have the benefit of being able to buy beer, they shouldn't get the rebate (they can afford the beer without it). So the $20 should go towards those that need it, and hence the 4 people at the bottom who paid nothing, get $5 each.
You've just been introduced to the Obama Tax Credit. Wealth redistribution at it's finest.
I agree, and THANK YOU for giving voice to what so many of us are feeling! I have never felt so betrayed by my own government. The idea that we would reward people for bad choices, protect them from investment risk they knowingly took on... it's an abomination.
This is precisely what Ayn Rand was getting at when John Galt pulled all the innovators and doers out of society and left the moochers to fend for themselves.
Forget McCain, forget Obama - we need a John Galt in 2008!
BUT....how about our credit cards? What right does a card issuer have to increase your rate from 9% to 30% when you are late for the FIRST time in 8 years by a few days with your payment?
The Sunday newspaper used to be full of good coupons
but I don't find that to be true anymore.
Now I have not tried getting coupons from ebay but wouldn't they be the same as the Sunday paper?
Coupons for some staples would sure be nice. I live alone and I don't eat that sugary cereal. I do get my oatmeal from the dollar store- 10 instant pks for a dollar. I get my paper goods and cleaning supplies from the dollor store too.
Nowhere do I find vegetables and fruits that are a really good sale. Apples are supposed to be pentiful and cheap right now but the prices here in Texas have not come down one bit on Apples. If anything, they have been increased.
The majority of coupons I use are for non-food items and cereal. My spouse loves mini-wheats, so last week my grocery had them on sale for 2/$5 and if you bought 3 or more you got a register reward for $3 off next purchase. I had coupons for $1 off each box, so I got 3 for $4.50. If you count the register reward, that's 3/ $1.50. Mini-wheats are as healthy as he gets for cereal. lol
Mostly though, I use coupons to get shampoo and deodorant free and then sometimes for other foods. I use sales to stock up. :)
For #23 I would not recommend asking about the benefits...it will make you appear that you care more about what the company has to offer you, then the genuine interest you have for the responsibilities of the job. Instead, say something like "I'm very interested in this position because (fill in the blank). What would be the next step in the interview process?"
Actually, it was the Clinton administration that mandated that mortgage lenders create the high-risk subprime loans that are now defaulting. President Clinton beefed up the Community Reinvestment Act, a Carter Administration law designed to encourage minority home ownership. This created the risky subprime loans.
Don't believe me? Go to the NY Times archives and search for this article: New York Times, September 30, 1999
Fannie Mae Eases Credit To Aid Mortgage Lending, By Steven A. Holmes
The changes to the Community Redevelopment Act put new regulations into place that forced lenders into high-risk areas. In areas where sound business practices had previously governed lending standards, lenders now had no choice other than to lower their standards and make loans that they would not have been approved only a few years earlier. The alternative was to face stiff government fines.
I'm not even a Bush fan -- I just think that it's wrong to put blame where the blame isn't due. Yes, it is happening under the Bush administration, but he was certainly NOT NOT NOT the one who started it.
@dixie-chik, government already started mortgage switchovers last falls. $40B by the end of the year.
i am seriously considering getting as risky of a loan as I can and then stopping paying after 3 months. My family and I have lived very frugally over the past 8 years after being laid off in the dotcom and knowing how bad that can be. Now I see everyone who was irresponsible being rewarded. looks like we could have been living in a McMansion and now not even have to pay for it. i feel stupid for being honest and hard-working. the only thing stopping me is the tanking stock market because i figure if it keeps tanking then the government will not be able to sell t-bills so no longer be able to buy up bad mortgages. you know the people will never have to pay now that the mortgages are owned by the government. All they have to do is get some policitian to put a moratorium on foreclosures on houses with mortgages owned by the govenrment. Then the people will live in them for free.
We need to hurry up and get ourselves into a troubled homeowner program so the government can take over and we can live their for free forever. Plus, the government will be a good landlord as they have plenty of money to do repairs.
I'm still furious about the REPUBLICAN voter fraud perpetrated in Florida in 2000 by GWB's brother and the Supreme Court. That is a bigger threat to democracy than a couple of applications signed by "Mickey Mouse".
I thought that was what American hospitals did. They have to stabilise you, but after that you're screwed.
Unless you can get to one of the charity-operated ones in time, but I doubt there's enough.
Sometimes, I can't believe that the US, a self-proclaimed great country (and in many other ways it is), doesn't even have a heathcare system available for those who can't pay.
I'll send you a free report on Lessons Learned from the Great Depression, valued at $19.95, for filling out a 10 minute questionnaire about the current economic crisis.
Please click on the link below to fill out the questionnaire
I'll send you a free report on Lessons Learned from the Great Depression, valued at $19.95, for filling out a 10 minute questionnaire about the current economic crisis.
Please click on the link below to fill out the questionnaire
Absolutely!!! Remember last week when congress decided to use 850 billion of your new tax dollars to bail out wallstreet criminals???? It's time for payback. If you bought a house in the past 8 years, stop paying the mortgage. Sit in your home until you get evicted. Trust me, you'll need the savings to weather the next financial storm brewing on the horizon. Don't worry about a place to live either. There is going to be a huge glut of rentals available at great prices in the future. Then again, you might want to use those savings to buy a forclosure in the future for 10 cents on the dollar. The way things are going right now, your savings may be enough to buy that forclosure without another mortgage. Imagine that. A new home in the near future without a mortgage and it's yours!!!
Under "Later, buy valuable stuff cheap" I would say "not too much later." If you wait till the panic/recession is clearly winding down, stock prices will already have moved up a lot.
mention another great clearance sale? According to what I heard this morning, today marks the beginning of Linens 'N Things going-out-of-business clearance sale. And while it doesn't say so on their website, they do have a big red "All Sales Final No Returns" on there...
I can fix you disc's for 5 dollars and that includes all the shipping. so try discrepairservices.com
What if we take the story and still get the $20 dollar rebate. But this time, everyone wants a piece, but no one can agree on where it should go. Someone interjects that since the top have the benefit of being able to buy beer, they shouldn't get the rebate (they can afford the beer without it). So the $20 should go towards those that need it, and hence the 4 people at the bottom who paid nothing, get $5 each.
You've just been introduced to the Obama Tax Credit. Wealth redistribution at it's finest.
The "guaranteed bonus" pieces are on every large drink, large fry, and chicken sndwich.
I have a ton of those fucking footlocker coupons that I'll never use. They don't just send those out.
I agree, and THANK YOU for giving voice to what so many of us are feeling! I have never felt so betrayed by my own government. The idea that we would reward people for bad choices, protect them from investment risk they knowingly took on... it's an abomination.
This is precisely what Ayn Rand was getting at when John Galt pulled all the innovators and doers out of society and left the moochers to fend for themselves.
Forget McCain, forget Obama - we need a John Galt in 2008!
I do not think we should NOT pay our mortgage.
BUT....how about our credit cards? What right does a card issuer have to increase your rate from 9% to 30% when you are late for the FIRST time in 8 years by a few days with your payment?
The Sunday newspaper used to be full of good coupons
but I don't find that to be true anymore.
Now I have not tried getting coupons from ebay but wouldn't they be the same as the Sunday paper?
Coupons for some staples would sure be nice. I live alone and I don't eat that sugary cereal. I do get my oatmeal from the dollar store- 10 instant pks for a dollar. I get my paper goods and cleaning supplies from the dollor store too.
Nowhere do I find vegetables and fruits that are a really good sale. Apples are supposed to be pentiful and cheap right now but the prices here in Texas have not come down one bit on Apples. If anything, they have been increased.
I find it fun to use coupons. But I digress. :)
The majority of coupons I use are for non-food items and cereal. My spouse loves mini-wheats, so last week my grocery had them on sale for 2/$5 and if you bought 3 or more you got a register reward for $3 off next purchase. I had coupons for $1 off each box, so I got 3 for $4.50. If you count the register reward, that's 3/ $1.50. Mini-wheats are as healthy as he gets for cereal. lol
Mostly though, I use coupons to get shampoo and deodorant free and then sometimes for other foods. I use sales to stock up. :)
Good luck with the experiment!
For #23 I would not recommend asking about the benefits...it will make you appear that you care more about what the company has to offer you, then the genuine interest you have for the responsibilities of the job. Instead, say something like "I'm very interested in this position because (fill in the blank). What would be the next step in the interview process?"
If you truly believe Obama won't raise your taxes, you live in a alternative Universe.
Don't believe a politician's words; look at their record.
Actually, it was the Clinton administration that mandated that mortgage lenders create the high-risk subprime loans that are now defaulting. President Clinton beefed up the Community Reinvestment Act, a Carter Administration law designed to encourage minority home ownership. This created the risky subprime loans.
Don't believe me? Go to the NY Times archives and search for this article: New York Times, September 30, 1999
Fannie Mae Eases Credit To Aid Mortgage Lending, By Steven A. Holmes
The changes to the Community Redevelopment Act put new regulations into place that forced lenders into high-risk areas. In areas where sound business practices had previously governed lending standards, lenders now had no choice other than to lower their standards and make loans that they would not have been approved only a few years earlier. The alternative was to face stiff government fines.
I'm not even a Bush fan -- I just think that it's wrong to put blame where the blame isn't due. Yes, it is happening under the Bush administration, but he was certainly NOT NOT NOT the one who started it.
This is good to remember when thinking about buying. I'll save this list for when the time is right.
@dixie-chik, government already started mortgage switchovers last falls. $40B by the end of the year.
i am seriously considering getting as risky of a loan as I can and then stopping paying after 3 months. My family and I have lived very frugally over the past 8 years after being laid off in the dotcom and knowing how bad that can be. Now I see everyone who was irresponsible being rewarded. looks like we could have been living in a McMansion and now not even have to pay for it. i feel stupid for being honest and hard-working. the only thing stopping me is the tanking stock market because i figure if it keeps tanking then the government will not be able to sell t-bills so no longer be able to buy up bad mortgages. you know the people will never have to pay now that the mortgages are owned by the government. All they have to do is get some policitian to put a moratorium on foreclosures on houses with mortgages owned by the govenrment. Then the people will live in them for free.
We need to hurry up and get ourselves into a troubled homeowner program so the government can take over and we can live their for free forever. Plus, the government will be a good landlord as they have plenty of money to do repairs.
I'm still furious about the REPUBLICAN voter fraud perpetrated in Florida in 2000 by GWB's brother and the Supreme Court. That is a bigger threat to democracy than a couple of applications signed by "Mickey Mouse".
Give me a break.
I thought that was what American hospitals did. They have to stabilise you, but after that you're screwed.
Unless you can get to one of the charity-operated ones in time, but I doubt there's enough.
Sometimes, I can't believe that the US, a self-proclaimed great country (and in many other ways it is), doesn't even have a heathcare system available for those who can't pay.
Very interesting... Good read!
Maybe you can help me out:
I'll send you a free report on Lessons Learned from the Great Depression, valued at $19.95, for filling out a 10 minute questionnaire about the current economic crisis.
Please click on the link below to fill out the questionnaire
http://spreadsheets.google.com/viewform?key=p-XlwgJysoV-gV-D6-1d_XQ
Thanks!
Very interesting... Good read!
Maybe you can help me out:
I'll send you a free report on Lessons Learned from the Great Depression, valued at $19.95, for filling out a 10 minute questionnaire about the current economic crisis.
Please click on the link below to fill out the questionnaire
http://spreadsheets.google.com/viewform?key=p-XlwgJysoV-gV-D6-1d_XQ
Thanks!
Thanks for this informative site.
Absolutely!!! Remember last week when congress decided to use 850 billion of your new tax dollars to bail out wallstreet criminals???? It's time for payback. If you bought a house in the past 8 years, stop paying the mortgage. Sit in your home until you get evicted. Trust me, you'll need the savings to weather the next financial storm brewing on the horizon. Don't worry about a place to live either. There is going to be a huge glut of rentals available at great prices in the future. Then again, you might want to use those savings to buy a forclosure in the future for 10 cents on the dollar. The way things are going right now, your savings may be enough to buy that forclosure without another mortgage. Imagine that. A new home in the near future without a mortgage and it's yours!!!
Hi
People are keeping to themselves more and more. It's normal nowadays for neighbors to never have any interaction.
* Should you go back to school?
Probably, but I have no money and cannot get financial aid,
so it's very unlikely to happen.
* Should you convert your IRA to a Roth?
N/A
* Are you saving enough?
Definitely not, but I'm doing the best I can living on fumes.
* Do you have enough insurance?
Possibly. I'm not sure that I have anything that needs to
be insured.
look in the official rules, they only mail out the guaranteed bonus game pieces
So I decided to deal with my anger through comedy. See how this whole financial situation is explained by the movie "Animal House"
http://watchingmarcitz.wordpress.com/the-financial-bailout-according-to-...
Great advice, well stated. Thank You!
Under "Later, buy valuable stuff cheap" I would say "not too much later." If you wait till the panic/recession is clearly winding down, stock prices will already have moved up a lot.