The True Job Creators. So what do you think about this?

h/t SophieCT via Twitter.

For those of you who don’t know who this guy is, here he is on FOX with Cavuto.

114 Responses

  1. It’s just democrat mumbo jumbo. If higher taxation for the wealthy results in higher payouts to states that then abuse those handouts with out of control state pension funds that can only be sustained by more and more state taxation, than we have a feedback loop in which federal taxation results in additional state taxation.

    This feedback loop in which states thirst for more and more federal tax revenue then results in states welcoming imports from other countries because of the jobs created on the docks, and the tax revenue generated with limited local responsibility.

    Ironically, states begin to disrespect their own small business owners who can’t keep up with higher taxation and regulation to pay for the ever growing state pension debt.

    What “TED” is also not talking about is the taxation on the middle class called consumer debt and the interest rate charges imposed on that debt.

    Once again we have a polarizing discussion in which progressive liberals say tax the rich and debt forgiveness while the neo cons say reduce taxes so we can create jobs.

    Yet the middle class is drowning in consumer debt! The OBVIOUS solution is DEBT NEUTRALITY in which existing consumer debt is paid off at virtually zero percent interest as the consumer PAYS DOWN their overall debt load. NOBODY talks about this in the media and that is why I think there is a true conspiracy designed to polarize all discussions into democrat progressive blather versus neo con republican spittle.

  2. and may I add that the people being locked out of the economic discussion are the moderate liberals and liberal moderates, the huge midsection of the country, aka Hillary Clinton country, and that is why there is this polarization and inability to get anything done.

    Ironic that those who called Hillary Clinton a polarizing force in 2008 were the real polarizers.

  3. I’m having a difficult time trying to understand what consumer debt has to to with taxation. Taxation is something government does to you. Debt is something you incur yourself. The government doesn’t force you to incur charge card debt. If they tax anybody 100%, NONE of that money will go toward your personal debt or mine…or anybody’s, for that matter. Surely we can’t argue that a person who borrows money should pay no interest, or a person who saves money should get no interest — the two go hand in hand. Low rates affect savers and retirees in a bad way because they earn nothing.

    Also, lower interest rates hurt the middle class and retired people who have responsibly saved money for their retirement. At the moment, interest rates on a CD is lower than 1% for a year. On those earnings, a retired person already pays capital gains on that income. Increase the gains tax and exactly what incentive is there to save anything? And yes, there are people on this earth who actually don’t buy things they can’t afford and they DO save for their future, whether i’s retirement, school for the kids, or a rainy day. Many seniors used interest and dividend income to supplement their social security, and now that interest is lost due to an extremely low earning rate. Toss in loss of principle from retirement programs that were invested in stocks and you see a very bad picture for these people and the people behind them who will retire in ten years but lost a major portion of their 401ks or other retirement plans that had for 30 years. To further tax the income on these tanked plans is to tank MANY middle class people. Many of them are too old ot recover what they have lost and will retire in poverty, if at all. And interest rates for borrowing money not are extremely low, unless you have bad credit, and if you have bad credit because of purchasing things you can’t afford, that’s not the government’s fault either. Nor is it mine or yours. It’s not your responsibility to pay off MY debt. I hate to sound old but in my day people paid for their own college unless they had an academic scholarship they deserved. If you couldn’t afford college or a loan, you went to work and took college courses at night till you got your degree. You paid as you went, so to speak. This is not a debt that a government should be paying with middle class or anybody’s taxpayer money. It’s ludicrous.

    In any event, taxation is not about consumer debt. If anything, people who have consumer debt are enjoying he lowest interest rates ever in any of our lives. Taxation is about government income, which they squander, not consumer debt. So I could see why TED would not be talking about it, as it has nothing to do with government taxation. It’s a personal consumer responsibility/problem. Pretty much the only people I feel sorry for are people who are tanking because of a medical issue and have incurred debt. This is unconscienable in the USA, of all places.

    In that light, Cavuto is right by accident on one thing: A person who makes 50k, for example, is more seriously affected by a tax increase or capital gain tax increase (if they save or have a retirement plan) than a guy who makes a couple of million a year. So once again the middle class gets it up the nose with a capital gain tax increase that won’t even put a dent in a rich person’s life. I can attest to this cycle as I lost better than half my 401k and am too old to recover it. I also lost 2/3 of the dividend payouts, which means my retirement plan is tanked and its dividends are tanked too. And yes, you pay capital gains on them even though they have been reduced by 2/3. To increase this on a middle class senior is cruel and inhumane treatment. And to tell me you are going to tax what it earns from this day forward is just unconscienable. For people with 401ks, this is their retirement lifeline, or their medical emergency lifeline. It’s not pin money and they WILL be affected by capital gain increases while TED will just pay it and toot right along with nary an issue.

    But I could be reading your comment about consumer debt vs. tax wrong. It’s early and I haven’t had coffee. I can see I’m all over the board here with my comment. I think I pretty much agree with you in some way. The problem here is, the far left and the far right have a way of screwing the middle class and the responsible people and it’s not unique to one of them. They have a habit of punshing the wrong people for their own agendas, which pretty much revolve around poliical donations and votes — nothing more. They are both seriously full of shit and take advantage of the middle class every chance hey get. Which is why I hate them both. Caffeine!

  4. That new header is trippy. That’s what Bill sees when he looks in a mirror when he’s ‘nipped up.

  5. and may I add that the people being locked out of the economic discussion are the moderate liberals and liberal moderates,

    Yes you may! Moderates get screwed from both sides. Regularly. They are the little engines who get up every damned morning and go to those mundane jobs so the left or the right can screw them out of everything they have. These are Hillary people. And they are NOT represented.

  6. I simply cannot understand why anyone would buy into the far right or the far left agendas, they never benefit and they vote against their own best interests. Especially those social conservatives who are so worried about everybody else’s body, they fail to see how hey can’t get ahead because their eye is not on the real ball.

  7. No Oswald, it is clear to me that it’s that time of year when a young Tom Cat’s fancy turns to love. He’s inundated with Little Bills again.

  8. It’s easy to see why the crazy left and crazy right couldn’t wait to get rid of moderates in Congress, isn’t it?

  9. Interest rate charges are a form of taxation. In the past interest rate charges worked well because the U.S. economy was in a true growth mode. Build a suspension bridge between two local cities, and once finished, more economic opportunities are created. In that instance, interest charges to build the bridge make perfect sense because once built many more commerce opportunities are created.

    That is no longer the case, now it’s more and more people competing for the same basic pie, and those who cut costs win.

    Consumers lost between 7 to 10 trillion dollars of home equity since 2006, (based on a Chase Bank report). Their consumer debt was based on having a certain amount of home equity. Erode the home equity by 7 to 10 trillion dollars, and suddenly that 2 to 3 trillion in consumer debt becomes a much much bigger slice of the pie and becomes a form of taxation.

    Just as the banks got a bailout, people did not need a handout, just a chance to drop their debt load to match their equity losses, and Obama did not come through. All Obama wants to do is give out more loans further indenturing people to his gifting of tax money.

    It also seems like you are implying that loaning money is work. It actually isn’t, which is why the banking industry continues to grow bigger and bigger. It’s much easier to loan money and sit back collect a huge salary, than get a real job.

    Banks don’t create wealth the way they used to, they just take their cut, and if you don’t believe that, than study home securitization practices.

    Once a roadway, power lines, and water infrastructure was built up, people can actually get by with less money, but it’s important to realize that as infrastructure builds up, efficiency goes up as well, and that should produce enough commerce for cities and states to get by without needing more and more taxation.

    Built up infrastructure creates more opportunity to be efficient, which drives down cost and employment opportunities. So too much consumer debt results in growing consumer debt because of the leaner, meaner corporate mandate that is driven by efficiency.

    As for consumers who saved their money and need an interest rate return. How’s that 1 percent or less working out? To equate a 15% or higher interest rate charge on consumer debt so that those who saved can collect 1%, I’m not following that line of reasoning.

    Unless a person worked for a company that did not offer credit, then that means that person’s wages were based on their company allowing credit.

    Until the debt is paid off, the wage earner at a company that accepted credit is just kicking the economic can down the road for somebody else to deal with.

  10. Hillary did have a plan for homeowners.
    http://www.redorbit.com/news/politics/1310609/hillary_clintons_plan_for_homeowners/

  11. Sorry, not following this debt/taxation thing. This I know though.
    When we were kids, the parents sat us down at age 7 (which used to be considered “the age of reason”) and talked allowance. We had chores to do and do correctly, for which we got a whopping 25 cents a week. (which increased through the years until we reached the $1 a week level in jr high)
    Part of the discussion was about SAVING. We were required to divvy up the money. 5 cents for charity, 5 cents for long term savings, 5 cents for short term savings, 10 cents to spend now or later as we pleased. Mom took us to the bank and we opened an old fashioned savings account- with a whole DOLLAR! Wheee! And every week we took the savings part of the allowance to the bank with our little passbook and deposited the required amount. We saw the money grow because the teller would stamp the interest amount right there for us to see! And it was not a piddling amount either.
    Try to find a bank that will even open a savings account for a child for a dollar deposit now.
    Like Uppity- we lost half of the 401k and the IRA is getting shit for interest. No way can we recover before husband turns 65 in three years. We are fortunate to live in an area where housing prices have remained fairly stable- but there is no market so what good does it do us if we can’t sell it?
    Meanwhile, insurance premiums are going up up up (thanks oblowma) property taxes go up, school taxes go up, state income tax goes up. And our savings make shit for nothing.
    The old retirement plan was to sell the property, buy and RV and travel the country.
    That plan went out the window with the damn gas prices. Thanks again to the administration that wants ten dollar a gallon gas.
    Guess we will just take a backpack and a pup tent and walk ourselves to death.

  12. Okay swarm, would you loan me, a stranger, some money for free? When a person loans money to someone that person takes a risk. The risk is the borrower won’t pay. What incentive would I have to loan you money if all I get back is the principal I loaned you …in 20 years.

    My personal debt is NOT the national debt. If I incurred too much debt it’s because I bought too much stuff. Nobody else will have to deal with it but me. If I owe more money than I can pay and get hit by a bus, my house will be sold and what money it garners will go to my creditors. This is not a government problem or responsibility. It’s a personal responsibility.

    And nobody who is sane on this earth would EVER loan money out for no reward. This country operated on interest for loans for many decades. The difference between 30 years ago and now is the Gotta Have It Now attitude, and that’s pretty much what got people in debt. People waited till they had a down payment of 15% before buying a home. They did this by sacrificing other things and saving the money. Then somebody made laws, and boy were they laws. Laws that said you can now get a home without any money down. You can get a home even if you aren’t working or are on public assistance. And then we were all aghast that nobody could afford to pay for these homes much less maintain them. Owning a home is expensive beyond the monthly payment. Then somebody told the banks DON”T WORRY! The taxpayers will cover that loan! Then people starting buying high, which I regard as a sign of a very dumb person. You never buy a home at the peak price. You wait. That’s what smart people do. Then we had people who didn’t read the fine print and since banks were forced to make these loans to people who had no business buying homes, they figured out a way to come in ahead by balooning things and adjustable rates. No offense really to anyone, but who with a half a brain buys a home without reading the loan contract? Who on earth who has any intention of paying or any intention of not getting screwed does this? HOnestly, if you can’t afford a lawyer to read a contract, you probably can’t afford a home, would it be safe to say that? Good credit was always a REQUIREMENT for a loan and we were given laws that said, Bad Credit? No problem! You can get a loan or a home or any damned thing you want. It’s simply wrong. I remember when people diligently worked to keep their credit rating good. Now it’s like……pfffffft. I know people who have had three bankrupticies. Now you’ve gotta figure there is something wrong with THEM, not you. Why would I want to help them?

    Personal debt is a big problem right now. It’s a big problem for people who incurred it. I have a hard time accepting that I have to help them when they went and bought better homes than I have. Seriously. I do not want to pay for someone’s new car. My car is not new. It’s not new because I am not stupid and I don’t buy what I don’t need at a time like this economically.

    It is true people were tempted into debt. We were all tempted that’s for sure. There are MANY temptations in life. If I fall for one, that’s not YOUR fault. I got shit in the mail daily practically begging me to use that card or take that loan. What separates me is I wasn’t stupid enough to do it. Sorry but it’s true.

    The only problem I see with banks is they got too big and too deregulated. Banks used to be banks. Now they are brokers and credit card companies and a whole host of other things. I bankd at a local bank that has one branch. It is where I do the bulk of my primary banking. They are a bank. I like banks. I don’t like conglamerates. Their overhead is low and they pay the best interest to savers, which isn’t much these days. Yes. I have saved money. I did it because it’s SMART. And I would like to know why I should have to pay for somebody else’s bad decisions, including the bad decisions of a bank that’s going belly up. I am personally not in favor of bailing ANYBODY out, whether it’s a corporation or a person. You got into this mess, you get out of it. This idea that everybody is entitled to a free everything is just plain stupid. Capitalism is NOT a bad thing. CRONY capitalism is a bad thing. There is a huge difference. I do NOT want to live in a country where I have to take responsibility for everybody else’s stupidity and I do not want to live in a country where my sacrifices to be financially secure is a bad thing and I should be forced to give what I earned to somebody who, as my grandmother used to say……whose eyes are bigger than their stomach and now they are in financial trouble.

    I am the Middle Class. I want everybody to leave me the fuck alone. I don’t want you to fix my problems and I don’t want to fix yours. Unless I PERSONALLY volunteer to do that for someone.

  13. Uppity you are forgetting the people who did not buy a home to have a “better” home than you. It just was the cost of an average home! And don’t say they could just “rent”. When rents are as high as as a mortgage, you’re better off buying, at least you can write off a percentage of the interest. People living in modest homes right now owe twice as much as the property is now worth. That’s a fact.

  14. imust, the idea that renting costs the same as owning a home is a fallacy. You don’t buy home insurance when you rent. You don’t have to buy a new roof when you rent. If the furnace goes, you don’t have to buy one. You don’t have to mow and shovel. Or pay the taxes. It’s simply WAY more expensive to own a home. As a homeowner, you know that shit happens all the time.

    Really I am not forgetting that the cost of homes went up. It was a sucker’s paradise. I wouldn’ even CONSIDER buying one then. I would have waited because what goes up ALWAYS comes down. I did SELL a home though. Hey, you want to pay more for a home than I would, here you go, take this one!

  15. I read somewhere that half the country only has enough money to maintain status quo for two weeks if they lost their jobs. This means they never saved a penny when the going was better, doesn’t it? Yes I know, kids, etc, things are expensive. All the more reason to not be tempted to do and get things that you might not be able to afford.

    If we really want to tax, wouldn’t it be wise to tax the people who export every damned thing to this country like THEY tax us for exporting to them what little we make? If you ask me, this global BS is the worst thing that happened to America and the best thing that happened to everybody else. The playing field is not level. We lost our jobs to them and now we are forced to buy inferior shit that doesn’t last besides. American Exceptionalism is looking better to me every day. Customer service is non existent and America has become a big black hole of a joke to other countries who are taking advantage of us. How come we never hear our ‘leaders’ talk about the REAL problem we have with imports/exports and trade deficits? Global trade was the biggest screw job ever perpetrated on the Successful by the Unsuccessful.

  16. Shit I’ve written a book here.

    I’ll behave now.

  17. LOL Mom I remember when every dollar I got, my mother took half and put it in a savings account I wasn’t allowed to touch. Graduation money, communion money, birthday money, part time job money. Any money I got, I gave up half. I hated it. Then when I was 25, she handed me a passbook that made me nearly faint. I guess that’s how I got how I am today. Nobody will make me ashamed of it though, because I don’t have to worry about hanging up on guys from India threatening me about my overdue payment on something. I don’t try to stuff ten pounds of shit in a five pound bag. What a horrible person I am.

    I used to be a lot richer than I am. I lost a lot in 2008-09. It made a huge difference in my life. It was horrific to find my life’s investments flushed down the toilet, all of it money I earned. But I adapted. I changed my lifestyle. I gave some things up. It’s what we all do. It won’t kill us and I personally am grateful to be alive and healthy. I might recover and I might not. I am not going to let it make me bitter. But personally, I can no longer afford to take care of anybody else, taxation or otherwise. It’s as simple as that. It’s a matter of survival, period.

    My only exception to all of this are people who tank because they are sick and their medical bills make them poverty stricken just to stay alive. This is simply a terrible way for a country to treat sick and dying people.

  18. As for consumers who saved their money and need an interest rate return. How’s that 1 percent or less working out? To equate a 15% or higher interest rate charge on consumer debt so that those who saved can collect 1%, I’m not following that line of reasoning.

    This is because savings was always based on prime rates. Loans were always based on risk and what the market will bear. When a person with bad credit wants a loan, nobody is going to give it to him at the same rate they will loan money to a person with a high FICO score. It’s about risk and reward. This is why somebody can have charge card at 8% and somebody else has one at 24%. You are rewarded for being a responsibile payer with a good track record. Nobody is forced to take a loan. A person with a good FICO score will tell a credit card company to take a hike and just not use their card. Credit card companies aren’t stupid. They understand this. So rates on cards vary a LOT. If people wanted loan rates to be lower for more people, they would focus on their own fico scores like it used to be. Do you know that people with high FICO scores pay less for car insurance and so many other things because they are regarded as less careless and a better risk? There is no end to the advanages of that FICO score and it’s not going away anytime soon.

  19. Brava Uppity !!!!!!!
    Agree with you 100%.
    I too sold two homes in California while the market was at it’s peak. Made out like a bandit but how is that wrong for me to do ? I bought a modest home for cash from the sale of these two and again made out like a bandit. Yes I could have taken all that $$ and put it down on a home that was let’s say in the high rent district but I did not. I am living in an average middle class neighborhood in a house that is not all that but it is paid off and I also put new appliances, hot water tank, roof, heater and other things in leaving me plenty of money to have to back up. I then bought another property for pennies on the dollar and did the same for it and rented it to a senior couple at a reasonable rate ( I could get more for it but would rather the house be cared for and tenant stay ) .
    I still had the money left from the sale of the second property. Now I am the bad guy that needs to pay what I made to those who did not do the right thing ?
    I bought this low end house in California when I was a mere 23 years old. I struggled to pay for it and drove a duct taped and bail wired truck to work daily and when it broke down I walked. Why am I the bad guy for profiting ? The second home was an inheritance. I unlike many chose to make my inheritance work for me rather then see it as a windfall and go buy a car and bling.
    When I die each of my children will get a paid off house and well just maybe enough cash to do good, provided this country does not continue to go after folks that have done the right thing and sacrificed to gain.
    If anyone thinks I liked driving a truck that would let me down or walking to pay my bills think again. If anyone thinks I feel that because I worked hard for what I have and went without to get where I am today and should help them out I say ” forget about it”
    I went back to work now to keep what I have saved rather then live on it and if anyone thinks at my age I am enjoying it you are wrong. My husband is 73 and working and let me tell you it is no picnic for him either. Why is he working ? To try to make up the difference in what he had saved in 401K and the deadbeats and must haves forced us to lose.
    Like PMM we had planned one day on traveling in a motor home and living on our retirements. After losing almost half that is but a pipe dream and too the price of fuel. Fuel to heat is bad enough to break your savings. If not I would not be out working at my age and then up on the hill wielding and ax and chain saw to chop wood to keep from freezing to death.

  20. My kids, unlike the other kids grew up sans VCR, cable, video games and bling of the 80’s and 90’s because I was not going to pay those high prices. Once everyone had them several years and they became cheap I bought them. My kids read, played board games and puzzles. I do know if this country goes into a complete depression my kids know how to can, hunt and cook to survive and know how to entertain themselves without electronic gadgets and get around without a car. They will come through it fine.

  21. Uppity Woman, on May 24, 2012 at 10:10 AM said:

    Shit I’ve written a book here.

    I’ll behave now.
    A fine book it is too,upps. and mom too Right on. 🙂

  22. I agree with everything both of you said. 😉

  23. BTW Uppity I die laughing when you go on a rant about some new critter invading your property. It is hilarious seriously.

  24. Yeah, the windfall thing. reminded me of someone I know who inherited close to $200k. She was always a loser, seriously. Never had any sense, always bought things she couldn’t afford, had a banruptcy before she was 25. So she gets this ‘windfall’. So I tell her, hey listen, this is your big chance to pull yourself up and get on a steady keel. Maybe you can buy a duplex or a two family house for yourself, and pay the mortgage with the tenant rent. I made some savings suggestions too.

    So what does she do? She buys a new car. I explained to her that a new car is not an investment, it’s money flushed down the crapper. She shrugged that Yeah Sure shrug people like her always do. Then she left her moderately-priced apartment and signed a lease for a gated place she was never going to be able to afford after she pissed away her inheritance — and she was pissing it away as fast as possible. And of course, she bought all new furniture. The woman was a disaster in the making. Then she headed for the casino, where people close to her are certain she lost most of what was left. Inside of a year, she couldn’t complete her lease, got thrown out, smashed up her cool car and was nearly living out of it, if it weren’t for her mother, who took her in. She spent it all and had absolutely nothing to show for it and nothing saved. She is living proof that you cannot make a silk purse out of a sow’s ear. You could give someone like this woman a million bucks and she will piss it away and have nothing to show for it. This is why I do not feel sorry for people who have bankruptcies that are not tied to health issues and medical bills, or even some kind of serious emergency. This is also why you cannot raise up the poor by throwing money at them unless you force them to learn to temper themselves and make smarter decisions. It’s the reason you see those stories of deadbeats who win millions and you check up on them a few years later and they are in a ditch again. A dollar and a dream is bullshit unless it means a dollar and a dream and some common sense.

  25. Also, re: loaning money isn’t “work”. It most certainly is. Or should I say it costs. The lender has to pay the loan officer and the loan officer’s benefits and retirement plan. The lender has to pay for the brick and morter building that loan officer works in. The lender has to pay the utilities and taxes on that building. If the lender leases the building, he has to pay the lease. The lender has to pay the support staff that does things like keep the records and meet the government requirements and audits. The lender has to pay to clean the building. The lender has to buy the insurance for the building. The lender has to set up a system by which records are tracked and loans are followed. The lender has to pay the collection agencies for default collections. The lender has to pay to foreclose and disposition the defaulted homes and other properies. The lender has to pay for the upkeep and taxes on those homes until they are sold for less than the lender has coming. And most important of all, the lender has to pay for a deabeat who defaults on a loan. Seems to me that not lending to anyone at all is a LOT less work and worry. But lending only to people who can actually pay back the loan and have equity and assets to protect so they WILL pay off the loan, would be the way to go if I were a lender risking my money.

  26. BTW Uppity I die laughing when you go on a rant about some new critter invading your property. It is hilarious seriously

    Harumph!

  27. Keep on writing your book Uppity. I totally agree with you. My Mom also madfe us save. First communion$, graduation $,

  28. Here’s what really went wrong.

    https://uppitywoman08.wordpress.com/2008/09/26/the-rules-no-credit-no-stable-income-no-down-payment-no-problem/

    How to get free copies of your three credit reports that isn’t that scam you see on TV and the internet. Stop being blind and see your own profile.
    https://uppitywoman08.wordpress.com/2009/05/06/dont-click-on-that-link-heres-how-to-get-your-real-free-credit-reports/

  29. These are the laws lenders were forced to follow (or be sued). at taxpayer expense. See Fannie and Freddie.

    Credit History: Lack of credit history should not be seen as a negative factor…. In reviewing past credit problems, lenders should be willing to consider extenuating circumstances. For lower–income applicants in particular, unforeseen expenses can have a disproportionate effect on an otherwise positive credit record. In these instances, paying off past bad debts or establishing a regular repayment schedule with creditors may demonstrate a willingness and ability to resolve debts….

    Down Payment and Closing Costs:Accumulating enough savings to cover the various costs associated with a mortgage loan is often a significant barrier to homeownership by lower-income applicants. Lenders may wish to allow gifts, grants, or loans from relatives, nonprofit organizations, or municipal agencies to cover part of these costs. . . .

    Sources of Income: In addition to primary employment income, Fannie Mae and Freddie Mac will accept the following as valid income sources: overtime and part–time work, second jobs (including seasonal work), retirement and Social Security income, alimony, child support, Veterans Administration (VA) benefits, welfare payments, and unemployment benefits

  30. this thing would not let me finish my post! Cut me off & wouldn’t let me continue to type. I had to log off & reboot.. Now I lost my train of thought. Anyhow, all that forced saving did teach me to live within my means. We were not forced to save any of our allowance. But what we got had to last the whole week. If we blew it before the week was out we were broke til the next week. And our lunch $ was included in the allowance. This taught me to lve within my means more than the saving did!

  31. Sonrisa, if wordpress comes back and says, “Is that you, Sonrisa?” and then ditches your comments, THEN you are in real trouble. lol.

    Yes I learned to live within my means the same way. My parents were not poor, not by a long shot, but they were depression children and they DID teach me about savings, waste, and not buying that which you cannot pay for. ABD you can’t always get what you want right NOW. Maybe sometimes Not Ever.

  32. Hello (((((UPPITY’S)))))))

    great discussion———hope that Rascal, Chuckie is far far away—–
    I couldn’t see needlnose get him, I think your right–shoot him, —-if you must-but you still got the damn hole to deal with—–keep us informed——–

  33. So far, I see no hole he’s made Michelina. He’s been living under the workshop. If he’s digging, he’s doing it under there. We see no dirt piles and there has been a guy out there since this morning, clearing out all bushes and grasses at the far end of the property and behind the workshop. Basically, it’s all being turned into lawn. Looks like most of the black raspberry bushes are casualties too from what I can see. Chuckie is going to be living on a golf course back there out in the open. If there is a dig anywhere out there, my dog will find it eventually. But Chuckie struck gold, he is at the Sheraton, so to speak. Ready-made burrow. My neighbor called and says he’s on her land today again, my guess I will see him again before sundown when he hits his burrow. I would gas his ass but I am afraid of killing a neighboring cat, they like to hang out back there too. Lots of trees and places cat’s love. I don’t want to kill a domestic animal in the process or I would have a good number of ways to kill him. Mostly, I just want him to move on and I think my dog is doing that. This is why he won’t stay here during the day. My dog has been definitely giving us More Cowbell with the barks. My closest neighbor said he can tell there’s something out there by the way my dog is carrying on. What I did learn is woodchucks and cats have no problem with each other. They just leave each other alone. Cats are interesting. They’ll ambush a squirrel or a rabbit but I’ve seen a possum walk right by them and they act like it’s not there. Ditto for skunks. Dogs aren’t that discerning. Everything is game to them.

  34. Global trade was the biggest screw job ever perpetrated…

    True words. NAFTA…one big screw.

  35. I should explain the setup. There is a large garage at the back of the land, set back on the property. A carpenter’s workshop was added to the rear of the garage somewhere along the line. It has a wood floor and flat roof and it’s on a block foundation, with venting screens on both sides. Naturally, screening is fair game and can be ripped, which is what happens. So an animal can hang out under the entire area below the workshop with no problem. I’ve seen stray cats and cats owned by assholes go under there in winter to keep from the elements. It’s big enough for a cat or a possum or a Chuckie to get in there.

    So all of this is set back from the house and I CAN see where he goes in and when he goes in from the rear window of the house off the kitchen, which is in the rear. I actually watched him show up yesterday just before dusk. He went into the opening. I hosed him again. He’s not happy. It’s getting to wet and too noisy here. So far the only thing I’ve seen him eating is the grass back there, which we are having manicured to a stub right now. He doesn’t venture beyond that rear area. It’s too open for him I think. WHich is good.

  36. UW: Seems like you’ve got things well under control—-hope it goes well for you and Needlenose

  37. In his speech, hanauer specifically credited job growth and economic development to the responsive supplier cultivating a great working relationship with the customer, i.e. service. Hillary Clinton noticed that we had all become “invisible” and were callously dismissed by the “powers that made themselves” and who brought to the White House zero customer service skills, an aversion to legitimate work and a know-it-all attitude trained to dismiss, without consideration, feedback from the consumer (a la the 2009 town hall meetings during which We, the People screamed our objections to the obamacare abomination and were called crazies.) Had the Change Crew simply hunkered down and connected with the People, the economic results would have lessened the sting of being stung by these punks and we’d all be reluctantly voting our pocket books over our hearts. Instead, we’re getting this drivel from rich guys who are still in control and have cut some kind of deal with the Fundraiser-In-Chief who’s playing them for their ego. As we’ve seen, hit them with taxes they claim they desire to pay and they renounce their citizenship, move their business overseas or instigate some troublesome movement. As I learned in the bars of New Jersey during happy hours, folks don’t like it when you piss on their backs and tell them it’s raining.

  38. Hey Michelina, when it comes to my tomatoes, you don’t wanna mess with me.🙂

  39. SWPAnnA, that was so wonderfully righteous and so spot on.

  40. Remember the story of the 9 year old girl who was excommunicated from The Church after being raped? Her mother was also excommunicated. However, the POS stepfather who was raping this child since she was 6, is still a member of the church.

    It is becoming increasingly clear the the church just doesn’t see child abuse as much at all. Yet, they worry about saving a zygote.

  41. Claim that 2010 census overlooked 1.5 million blacks and latinos. Despite a “Massive and Expensive” outreach.
    http://thegrio.com/2012/05/24/2010-census-undercount-could-spell-disaster-for-blacks-latinos/#.T76JSiLAjnU.twitter

    See the thing is, if you are hiding because you aren’t supposed to be here to begin with, you tend not to be counted.

  42. Bend over. The senators heading up JP Morgan hearings have JP Morgan among their biggest supporters.
    http://www.usnews.com/news/articles/2012/05/23/senators-leading-jpmorgan-hearing-count-bank-among-biggest-supporters

  43. These reactionaries are “investigating” a firm for losing its own money and are over-reacting to a matter outside their jurisdiction, They remind me of the dumb-asses who came to me after losing a bundle at the Blue Grass Downs where I worked as a teller. They wanted some kind of “justice” because they never imagined they could actually lose money on such a sure bet. I and the other tellers in the tote room just looked at them, all dressed up in their Saturday Night finery and shook our heads. “That’s why we call it gambling, hon.” And those investors knew, as well, when they plunked their dough on the venture, that it was speculative, not contractual. Hello! That’s why the payoff is so handsome! No?

  44. I don’t care if they lost TEN billion, just so long as they don’t get another bailout. Let em sink. WHo cares.

    It is the congress’ business if they are caught in anything illegal that bordered on breach of public trust, though. But I won’t wait for any of that to be revealed if it’s true, considering the senators in charge are paid for by JP Morgan. So much for that dog and pony show they had on “reform”.

  45. just saw the link about the 9-year old kid WTF?!!? I am so glad & proud to have retired from that so-called faith

  46. Read it and weep!

    http://freebeacon.com/senate-dems-betray-lilly/

  47. No surprise to me twandx. Just another reason why I hate them just as much as I hate their mirror images over in R land.

  48. I am glad I saw through the crap of the catholic church over 40 years ago and dropped them like a hot rock. But to be honest I see no organized religion as female friendly nor do I quote a bible written for men by men as the word of God. It too blames the female for all the worlds ills.
    The bible to me is no better then the Koren .
    I will be darn happy when I see these priests marched up before a jury and handed over to the justice system and sent to prison where they can get what they deserve rather then the church protecting them.
    I hope to Hell there is a God and he takes this baby rapist at task along with his protectors.

  49. well they molest altar boys so I guess they aren’ gonna give a rat’s butt about a 9 year old girl being molested either

  50. there’s a guy over at this one site where I post occasionally who claims that Ratzinger is either the last or 2nd to last Pope. He links the thing to 2012 & sez that when 2012 happens the church will be toast. Hell it don’t take a prophesy to see that the church will implode. People just keep on getting disgusted with this crap & walk away

  51. A 2000 year old religion is never going to to be toast. There are many believers and the vast majority of them are wonderful people and most of them shrug at the vatican. The problem is not Catholics. The problem is the Vatican.

  52. I would have liked to have heard more of what Hanauer had to say, but Cavuto wouldn’t let him get a word in edgewise. Rather rude, I’d say.

  53. Yes, I know fine Catholics. And Uppity, you are right that the Vatican is the biggest problem.

    As far as the tax topic, there are so many people who just don’t pay taxes. Some think it is just fine to take money under the table.

  54. ok Uppity you got a point. Maybe implode is the wrong word. How about wither away? The True Believers, who hang on to the Vatican every command, are dying off. As you point out, most Catholics just shrug at the Vatican or ignore the old farts altogether. At some point the Vatican will become irrellevant

  55. Was just checking my email and now Donna Brazile is sending emails. I had hoped she was under a rock somewhere. What a loser.

  56. well the Obots are getting desparate

  57. Wow. Can’t believe I’m with Rand Paul on an issue. I also can’t believe how Effing ignorant our Senate is.
    http://reason.com/blog/2012/05/24/rand-paul-amendment-to-demilitarize-the

  58. Uppity Woman, on May 24, 2012 at 9:50 AM said:
    *************
    I couldn’t agree more. I behave responsibly and cautiously. I knew I was always my own bottom line and could not count on anyone else to bail me out. I didn’t know how to buy a house. I didn’t know how to buy a car. I did research. I asked questions, figured it out and did what I could afford. But this taking responsibilty for oneself idea goes even further –take the issue of health care — if we are paying for everyone else’s health care, does this give me the right, as a healthy person to complain at someone who is practicing high risk behavior because it is going to make my premiums go up? All of this is a sticky wicket.

    I know how to take care of myself and don’t need anyone looking through my window to tell me how to do it. Likewise, I do not want to tell anyone else, but nor do I wish to be told I must pick up the slack for someone else’s recklessness, in essence making it my own when I have been playing by the rules my entire life.

    The bank bailouts felt like the American people were being laughed at and told we were a bunch of schmucks for being honest enough to show up and pay our bills and keep the country going — then we could bail out the crooks on wall st, who to this day are still not in jail for what they did.

    Thanks. rant over.

  59. The bank bailouts felt like the American people were being laughed at and told we were a bunch of schmucks for being honest enough to show up and pay our bills and keep the country going — then we could bail out the crooks on wall st, who to this day are still not in jail for what they did
    *************************************************
    AMEN !!!!!!
    I do not feel bad for folks that bought homes in an inflated market and are upside down now either. It did not take a college education to figure out what was going on and that the market would crash and homes would be affordable again. Home ownership is costly and renting was far far the better choice when the market was ridiculously inflated.
    The couple that bought my place in Los Angeles are screwed all because they chose to buy at that time and not wait a year. When you are looking at a small block that has three homes foreclosed on you do not buy there unless all the houses there are down. As it is they took out a $ 470,000.00 loan for a 1010 sq ft cracker box on cracker box land. Now that house one year later is worth $ 189,000.00. I am not sorry they did it because I had it for sale at peak and got the money. Bet they are not quite so happy now.
    P.T.Barnum said there is a sucker born every minute and guess he is right.
    Buying a house, car anything big that costs or you need a loan to do is something you need to really research and look at the ups and downs .
    Good credit is major to and living in your means or just slightly below them.
    Getting a bad credit loan is dumb and dumb for the borrower and the lender.
    Sorry but that is the truth. A 10% to 20% down and low interest is good to both. The lender knows the borrower has too much money tied up to default and the borrower gets a reasonable payment and interest.
    Those that bought before the market went crazy will not lose if they did not refinance and take the equity out like my crazy brother did. He like others, bet on the market to keep climbing.
    Folks with good credit and a bit of money stashed away can make a killing in real estate right now. These foreclosed homes are cheap and I mean dirt cheap.
    Three years ago in Las Vegas many of these empty homes were selling for 300 to 400 thousand dollars now you can get them for 68 thousand.
    Just like driving is not a right neither is home ownership. These lenders that gave out loans with 0 down and on bad credit need to be jailed. This hurt all of us.

  60. FF, is that a Kaleidoscope Kitty header. Now all we need is to see it rotate and shift.

    Very nice, FF.

  61. UW at 1010

    I’ve written a book here.

    I’ll behave now

    A fine one, indeed! Please continue.

  62. if we are paying for everyone else’s health care, does this give me the right, as a healthy person to complain at someone who is practicing high risk behavior because it is going to make my premiums go up?

    Ani, this has already been happening ever since insurance came along. Pool all the money. Ins. co.’s pay out when needed. If you don’t get sick, then all you lost was your premium dollars that went to pay for someone else. You can complain all you want. But it doesn’t do any good. Ins. co.’s make their rules about how they will cover, stiff people however they can when they need it, and pocket the profit. Meanwhile you recover none of your premiums. If too many people draw out from the premium payments, then rates go up for everyone. Because that ins. co. is NOT going to ever lose it’s profits. It’s going to come out of everyone else’s pockets.

  63. Right you are, towncrier. But that is true of any insurance pool, I suppose. Irritating.

  64. As a single payer I have paid out six figures for health insurance, since single payers pay the whole enchilada. During that time, my use of said insurance has consisted of a yearly checkup. If i get sick, and I may never do so just for spite, I think I paid for my own damned health care so that means whatever bad habits I have are nobody’s damned business.

  65. Crier I’m not so sure the header is a kaleidoscope so much as a demo of how many little tuxies Bill has created since spring hit.

  66. I always buy new cars the day after Christmas, when you can shoot a canon in the showroom and not hit anybody. Funny how much cheaper next year’s car gets when a bunch of desperados are trying to sell a car during the worst weather and he worst month for sales of the year, and under pressure from the owner for end of year numbers.

  67. OMG Sophie is channeling Rand Paul. Somebody write her a prescription for something. I don’t want to lose any of her grey matter.

  68. Please scuse my typos. My cat has been all over the laptop with his fat paw all night.

  69. Picture follows…

  70. Agree, UW, you bleed out through the nose on your single payer ins plan, you should have your say on your bad habits. Unfortunatley, the ins co’s just toss you in the same category as others with similar usage, demographics, and other personal stuff they size you up for but will never reveal directly. That’s what our ins dude told us when we were trying to figure out what we were going to do with our plan that was getting out of control on the premiums. Virtually nil usage just meant they didn’t jack up our rates as much as those with high volume usage.

  71. Fat paw? Is that the double thumbed cat?

  72. Bits of litter free of charge. No thumbs. Just a big boy.

  73. As long as litter bits don;t get caught under the keys on the keyboard. He looks rather cozy, but probably would prefer being on top of the keyboard instead. You need to get him his own keyboard, plugged into wall nice and warm, of course.

  74. Honestly I don’t mind paying for my insurance, I would just like it to be less than four figures a month. And I do resent that i have to pay for better insurance for a bunch of thieving millionaires in Congress and the WH. I really resent it. If my tax money can give them golden insurance at a comparative pittance out of their pockets, then why can’t I get the same deal?

  75. Crier he does sleep on it when I close the lid. But not when it’s open. He just walks across it now and then. I think the keys pinch his fat butt.

  76. We wonder the same evry month when the premiums go out. Hmmph. Congress has it made!

  77. Ouch. Do they yank out his hairs? Hopefully not. Send him my regards.

  78. Me I always bought in August because the new models roll out in September. I bought my 07 in the first week of September of 07 just when the dealers needed to squeeze room in for the 08’s. Got a huge huge savings. I had looked at it a month before and thought I will wait then ask about an 08 and I knew they would push the 07 on me since they did not have an 08 of that model yet lol. I made a stink wanting an 08 and they cut me a deal I could not walk away from.
    Being it is a truck I expect to have it for 20 years or better or until I no longer can afford to feed it.

  79. Looks like Bo Bo was hanging with the Socialists back when after all. http://tinyurl.com/btcoszs

  80. I think I did a post on that socialist thing back in 2008. Nobody paid attention. Wha really blows me away is that internet archive copy of his publishing agent, with his bio saying he was born in Kenya.

  81. And probably nobody will pay attention to this flyer dug out from the back of the closet showing he had no issue being headlined with his brethren at a socialist affair. How nice it would be if he would just admit it and quit skirting facts.

  82. Obama was the first birther, telling everyone that he was born in Kenya for 16 years through his literary agency (and a few books later) and then conveniently switching his birth place to Hawaii in April 2007 when he decided to steal the nomination from Hillary.

  83. Someone told his agent he was born in Kenya. His agent didn’t just make that up. Probably was tossed in there to make him a more enticing pick. Did BoBo approve? Did BoBo just go along? Anything to make a buck. Anything to get elected…

  84. UW, yer killin’ me Larry — that is a big paw!!! 🙂

  85. Uppity Woman, on May 25, 2012 at 12:00 AM said: Edit Comment

    That is exactly when hubby and I bought our last two cars…although where we live, the weather is not an advantage…

  86. Interesting vid with the millbillionaire? and I do have to ask: since the Bush tax cuts took affect (12 yrs ago?) where are the jobs? Did they ever show up or did Bush have to look under the furniture like he did for the weapons of mass destruction? And I think Hanauer was right on another thing also: it’s the middle class that drove our consumer economy. When the middle class had $$s to spare they bought stuff. When they bought stuff, more stuff had to be made.

    interest rates on a CD is lower than 1% for a year. On those earnings, a retired person already pays capital gains on that income. Increase the gains tax and exactly what incentive is there to save anything?

    U sure that interest earned on a CD is taxes as capital gains? I know when the parents had a bunch of CD’s they got 1099s and I thought it was taxed as ordinary income. That’s my understanding on the interest of the savings bonds the momster and I have in joint names. They’re over $300k and just about half of that is interest. Everything I’ve read has told me to cash them “sparingly” because of the tax issue.

  87. Fredster, if those CD’s are part of a tax-deferred IRA, then when they are cashed after age 59 1/2, they would be taxed as income. If they were just regular CDs bought over the counter with post-tax money, then their interest earnings are claimed on schedule B as Earned Interest–capital gains, unless the interest amount is insignficantly small. I forget what that limit is as I haven’t had coffee. Your parents probably had tax deferred IRAs so when they started withdrawing, they had to pay the taxes they deferred in the past. In any event, when you inherit those CDs, regardless of whether they were part of an IRA or purchased with post-tax money, I believe they are treated as taxable income to you. My mother left an IRA and I could not treat it as part of non-taxable estate. I had to pay income tax on it the full amount, including the interest.

    Same goes for dividends from stocks. If it’s deferred gains it’s regular income when cashed. If it’s just some stock you bought with already-taxed money, the dividends are capital gains.

    “Interest and ordinary dividends”

    http://tinyurl.com/87g2qm5

    Pee Ess, I am not an accountant so my explanation is kind of crude, but you get the picture. Make sure you use an accountant when you start fiddling with those certificates. Even if the estate is worth less than 600k (the non-taxable limit for an estate), you still have to pay regular income tax on any deferred IRAs, etc left to you.

  88. Just gathering together some stuff from above. Uppity I did my best to understand the subject video, but it did not stick, so I’m just throwing in what annoys me to no end – certain small businesses with probably 2 – 15 employees. Everything about the principle’s vehicles is a benefit. As are home phones, cell phones, security systems, bottled water. A large percent of the “salary” comes in the form of cash. The housekeeper is handed $100 cash weekly, the landscaper $80 weekly in season.There are two families so endowed. One I would not dare discuss the morality with; the other I did once try but the feeling of entitlement is as strong as that which our congress critters appear to have. Add in the people I hire as required to maintain my home and more often than not, they are under the table. Very disturbing. I cannot help but wonder if taxes could remain as they are if so many including the lower classes did not work so hard to hide their income.

    Now for that socialism thing, There are probably many here who would recall “Pinch Yourself” from 10/14/08. It was a “big find” back in 2008, and is still available at http://www.spectator.co.uk/melaniephillips/2293196/pinch-yourself.thtml

  89. UW: I am no fan of Rand Paul, but in this case (amendment 2143), he is right. There is no reason for FDA bureaucrats to be armed nor for them to instigate armed raids on family farms for selling raw milk. It’s reprehensible. They show up like swat teams. They never show up at big commercial farms like that. They can fine small farms just like they do the big ones.

    Oh, and Rand’s amendment would have made it legal to claim that prune juice provides relief for constipation, because guess what: it’s currently illegal to make that “medical” claim on the bottle!

    Even a stopped watch is right twice a day.

  90. Back to insurance premiums, I don’t think most employed people realize how incredibly expensive insurance benefits are to an employer. If you went to single pay you would Know. People don’t realize it because they pay a comparatively small amount monthly into their employer program. The employer pays the rest. Trust me, this is a MAJOR reason companies went overseas. I think it’s a huge mistake to put the burden of health insurance onto employers. It’s another reason that a public option was the right thing to do. You would be in a HUGE ‘group’ known as the entire country. This is why medicare was always so low in cost monthly. The larger the group, the smaller the full premium.

    I have to laugh when employees are asked to pay five percent or something like that and they complain. They have no idea how lucky they are. Health care benefits cost five figures or close to five figures a year (depending on how golden he plan is) for one person. Many small businesses can’t afford to offer health care to their employees, obviously. Not sure if the rule is the same now, but it’s been held that employers with under 50 employees are exempt from providing health insurance, which is why so many small businesses have only 49 employees maximum. They can’t go over that number without paying out a massive amount of money to an insurance company. This is a REAL job killer.

  91. Health care benefits cost five figures or close to five figures a year for one person.
    ———————–
    And companies ought to spell it out to their employees. Mine did. Total benefit package they offered at the time (1980’s) represented 1/3 of our salaries. They made sure we knew it.

  92. Pamela, you can understand why, I’m sure. I mean that’s as good as part of a salary, expecially since the benefit is not taxable. And why it’s silly to complain about the amount employees are asked to pay monthly. It’s a HUGE benefit.

  93. It’s also a main reason small companies fight unionization. Let’s just say it’s a 10k a year plan. With 50 employees, that’s a half million a year. Add it to vacation days, personal days, etc. It can put a small business under.

  94. I submit that salaries could be a lot higher if employers didn’t have to carry the insurance responsibility — and premiums would be lower with the entire country as a group. Just food for thought. Insurers would be forced to sell their product at a reasonalbe price and actually COMPETE. No more anti trust examptions and regional price fixing like they do now.

    Wouldn’t have to be run by government either. But if it were removed from the bottom line Stockholders and became Not For Profit, things would be far less expensive and nobody would be saying the pot is ‘going broke’ because greedy politicians wouldn’t be able to steal from it any longer. The 2.6 TRILLION congress has taken out of the medicare pot over the years would be called embezzlement in the private sector. Your ass would be in jail if you did it on any scale, much less 2.6 trillion.

  95. Ah sorry, it’s 2.2 trillion they stole. Here’s a refresher as to why ‘medicare is going broke’. And they want to punish the victims of their crime.
    https://uppitywoman08.wordpress.com/2010/11/11/i-cant-find-that-missing-2-2-trillion-in-the-commission-proposal/

    This is a good piece, gang. You should re-read it. If you never read it, read it now. You should remember it next time they tell you about your retirement “entitlement”. Please read it.

  96. Health benefits are not some charity companies provide. Benefits are what companies used to offer to attract and retain their talent (and keep them from the competition). Somewhere in there, the value of an employee diminished in favor of bonuses and executive compensation and paying for lobbyists. One might add that the value of the customer also diminished and cost cutting measures that result in inferior products are now SOP–for the same reasons.

    But I do favor single payer myself. I don’t like having my health care connected to my job.

  97. Yes that’s all true Sophie. Benefits were often used as an enticement for recruitment, usually of exempt employees, but not for ALL employees. In other words, the big boys and token big girls.

    And it’s true the value of employees AND customers has diminished. In fact it’s all but gone. No customer service left whatsoever. You make a call you get some asshole in India who couldn’t care less. You strain yourself to understand what the H he’s saying and don’t want to hurt his feelings and you are calling because you have been screwed. The thing that scares me is it’s so pervasive that they have consumers actually accepting it all as a necessary inconvenience. And that is pathetic.

    Reminds me of how they have also defiled our food to the point that consumers are willing to buy, say, tomatoes from a supermarket that are bitter, have gelatinous green, slimy innards and thick inedible skin………and they keep buying them as if this is what a tomato is and that’s that.

  98. I was going to ask for computer help but as I was typing the long explanation of what is wrong I realized my main problem is my system is an antique and needs to be wiped clean again. An annual affair.

    Proletariats get by with less. It needed to be replaced many years ago but I keep putting band aids on the boo boos. I have the ancient desktop and a kindlefire. When the desktop goes (which might be any day now) I will use the kindlefire exclusively till I find a good deal on a desktop or perhaps I will get a laptop instead.

    Question: If you couldn’t afford both would you give up your desktop or your laptop? I haven’t had a laptop since a bad experience with the IBM black and white thinkpad and its $50 plugs wearing out constantly – decades ago.

    Laptop or desktop? I am curious since I can’t make up my mind.

  99. UW: I do think the benefits were meant for lowly workers too. Back when I was a blue collar person, the benefits package was important for the company too. Of course, their were other manufacturing facilities in the area and you want to hang on to your skilled labor, considering the costs of training someone new.

  100. And then it became a means to pay people a pitiful salary as many folks took jobs where they were well underpaid just so they could have health benefits for their families. Makes me question the motives of anyone against universal health care.

  101. about the banks Let em sink. :shock;

  102. Many prefer a lap top because of the fact they can sit where they want and in a position they want and it is portable. Me I prefer a desk top and the desk. I do not want to lounge when writing etc. I have three lap tops and they sit and collect dust lol. I just do not care for them. And one is a large one and darn costly one with key board just like the desk top.
    I do not like it because ,
    It gets to warm on my legs,
    I have to move it to get comfy
    I have to move it and set it down to get up . I could go on but that is me. I am so used to being at a desk from work most my life that a desk top computer is just the right thing for me. Also I have known so darn many that prefer the lap top but seem to need new ones lots more then I have ever had to replace a desk top model. I have an 11 year old desk top still running like a top downstairs. It was my first computer and not one thing wrong with it. So to me being that my newest desk top is three and runs like the day I bought it and oldest 11 makes financial sense to me but again that is me. I just am not a huge fan of lap tops.
    I think more over though it depends on your needs. If you have disabilities a lap top might suit you better then being stuck in a chair in one position.
    Me I worry about my posture and so I like sitting straight and having the computer positioned in the right place for my hands to have a desk to rest on and the screen proper distance from eyes and set level. I just seem to bounce the lap top around and do not find that comfort zone and I will not lay down to write or slump and with the lap top I found myself doing both. It is weird but again it is what makes you comfortable and also what fits your budget.
    Anyway next was in answer to Uppity.
    I agree with you on the single pay. Insurance is killing jobs no doubt about it and killing hours that a lower income worker gets , meaning kept to under 40 hours a week ( part time) so they do not have to pay insurance.
    Anyone who pays for their own knows this and if you have a good plan you defiantly know it. The good thing in Utah is we can cross state lines to obtain insurance including auto. So buying in Idaho or Wyoming or Montana is huge savings and I have always been pro cross state line buying.
    I too think if employers were not forced to pay benefits like retirement , health, and 401 K matching we would see companies come back and employ and wages go up. Also by not making health care a mandatory thing like this bastage obamacare plan insurance companies would have to compete to get your business making it affordable. Same with CDs, 401 K’s etc. Competition is a good and healthy thing for consumers.

  103. Cavemen at work discussing a language bill:

    http://tinyurl.com/6nmvrfq

  104. Uppity, quite awhile ago you and I had an offline discussion about the US inviting foreign students here to work for the summer. It’s back this year only new and improved for the foreigners. Could it possibly be taking jobs from our kids wink wink?

    Foreign students enjoy new summer job protections — but what about Americans? May 22 2012
    snip
    The Obama administration is going to great lengths to make sure Scherbina and about 100,000 other foreign student workers are not disappointed. Last summer, the popular program, aimed at creating good will abroad, was rocked by scandal when students working at a candy warehouse [Hersheys] in Pennsylvania staged a protest, complaining of isolation and overwork.
    snip
    On May 11, the State Department issued rules that ban foreign students from jobs that could be harmful, limited them to light, seasonal occupations that are not likely to displace U.S. workers and required closer scrutiny of their conditions.

    But the new rules do not address a broader, more profound question that some immigration and labor experts have raised about many sectors of the economy. Today, more than 50 ­million Americans of traditional working age are not employed, and yet a growing number of domestic jobs — from hotel clerks to nurses to computer scientists — are being performed by foreign-born workers.
    snip
    http://www.washingtonpost.com/local/foreign-students-enjoy-new-summer-job-protections–but-what-about-americans/2012/05/22/gIQA3D1CjU_story.html?tid=pm_pop
    Link is weird; does not allow copy. So my copying came from the print link.

    PS: I know everyone’s to-do list for the Republic is very long, so I’m not expecting anything other than this chance to give the topic some valuable UW exposure. tnx.

  105. http://jobs.aol.com/articles/2012/05/25/first-woman-to-command-a-warship-in-royal-navy-history/?icid=maing-grid7%7Cmain5%7Cdl5%7Csec1_lnk1%26pLid%3D164315.

    The Brits beat us to it again.

  106. Hal. Great article. It did report that “The first woman to command a warship in the U.S. Navy was Maureen Farren in 1998.”

  107. Upps@6:58: Yeah, I figured when *I* start cashing them the interest would be figured as ordinary income. (sigh) Guess I’ll never be in the “special” group that only gets taxed at 15%. 😦

  108. Well it was a tax shelter for your parents, all pre-tax money they could deduct off the top of their taxes, so if THEY had started spending it, they would have had to treat it as ordinary income too.

  109. LOL Pamela. They’re baaaaaaaaaaackkkk!

    They treat America’s workers like dog crap and now these little infiltrators have ‘protections’. Seems to me if it is so bad here why come at all? I’ll bet plenty of them come from countries where they would b flogged for complaining, or worse. Barack Obama needs to work on improving ‘relations’ right here in his own country. Right now nobody gives a shit about how everybody else’s is feeling. Furthermore, is Immigration going to do their regular job of losing track of these kids and not knowing which ones never go back to their countries? And is the taxpayer paying to house these people who come and get jobs in a country where actual citizens can’t find jobs?

  110. Karen I haven’t had a desktop since 1999. Laptop all the way.

  111. Oh, okay. Of course they would have been over 65 when they started spending/cashing them in and would get the extra deduction amount too for being over 65.

  112. Actually they could have started cashing them at 59 1/2 with no penalty. 10% penalty for that age.

  113. This is in response to Uppity way up above. The money I am talking about has already been loaned out, well over 2 trillion dollars, probably three trillion dollars if we add in zombie debt and written off debt which actually is not written off but is court ordered secured as a debt.

    The problem now is the interest charges on that 3 trillion dollars is taking a huge bite out of people’s ability to both pay down their debt AND have some money left over to purchase either local good or services, choose one, and that is the problem.

    As long as consumers are actually paying down their overall debt every month, giving them a break on the interest rate charges is a no brainer. Here’s another article that might explain it better.

    http://wallstreetchange.blogspot.com/2012/05/california-budget-death-spiral-can-be.html

  114. Paying down your own debt is what you do when you make your own debt. Sorry but that’s how I see it. Consumers wouldn’t be paying down a debt if they didn’t create it all by themselves. All the Mansplainin’ in the world isn’t going to change that fact. They signed an agreement that maybe they should have read first. But one thing is for sure, interest on a loan you make is NOT a form of taxation. It’s a form of lending that has been around for a long long time. One reason interest rates on these things are so high is SOMEBODY has to pay for the people who don’t pay. That too is a no brainer, methinks.

    New Post up everybody. This post is getting stale. Sorry I haven’t been around but you know it is nice out there and I do have to catch up on all the things I have let slide.

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