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Senators, truthfully



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Senators, truthfully we would just like you to know that we are going to sit here today and act contrite, but when we leave we’re going to go back to our mansions, yachts, and ranches and laugh our asses off.

Who is that in the picture? Tell us in the Comments

picture: dunno source, via our lol builder. lol caption: ebookace

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» 474 comments

  1. No words can describe my annoyance with both ends of this argument.

  2. It’s almost too true to be funny. I still laughed, though.

  3. Johnathan says:

    Hey, this isn’t fair. Don’t you remember that time that a student made a mistake on their loan and the bank decided to just cut them some slack? Oh, right, neither do I

  4. Dree says:

    Ken Lewis…CEO of Bank of America

  5. slaggingham says:

    Of course, the Senators are going to go back to THEIR mansions, yachts, and ranches, and laugh their asses off, too.

    Bribery buys bailouts.

  6. steroid says:

    Because god forbid you actually acknowledge our right to accumulate money in a free society. I mean, we could stop doing the banking, offering loan products and deciding who’s likely enough to pay it back that we make money and people get the temporary capital they need to try to improve. We could take cushy union jobs where we sit around getting $45 an hour and actually earning $0.45, collecting big tax refunds from our president since we’d make less than $250,000. Or we could be unemployed and get to take money from medicaire and social security instead of paying into it. So yes, instead we’ll take as much as we can of what we EARNED, and enjoy it until you come tax it away from us, at which point we’ll all laugh as the country descends into hell.

    • Johnathan says:

      Somebody sticks up for the little guys, the bankers so unrepresented in our democracy. I don’t mind them being rich (too much) but I do mind being the one put on the financial chopping block for their (Senators and bankers alike) screwups.

    • Uncle Fester says:

      So, you approve of banks screwing each other until they don’t know who they can trust?
      I see
      you’re a cretin.

      • steroid says:

        I’ve been over this too many times. Capitalism is right, but you’re too stupid and/or thieving to figure it out, so don’t talk to me.

        • Johnathan says:

          Pure capitalism with no controls? Honest question.

          • steroid says:

            With no *government* controls beyond the enforcement of contracts and the criminal laws against force and fraud. If we want to set up a Better Banking Business Bureau and refuse to do business with any bank that doesn’t agree to let the bureau determine whether or not the executives get bonuses, we’re free to do so. And then the banks can decide what to do.

            • Johnathan says:

              There is such a stupid oversupply of labor that it would be a return to exploitative labor conditions (your argument with DWN below), the children would simply starve or work those hours. There is an argument for “but they’d just start their own business,” but that takes way too much capital in our high-tech society. I see your point, but think it would bring less of the free market you think, and more hell on earth. As it progressed and monopolies formed, it would just get worse. What we have is screwed up, but I prefer it to pure capitalism.

              • Johnathan says:

                edit: by which I mean “no *government* controls beyond the enforcement of contracts and the criminal laws against force and fraud.”

              • steroid says:

                But individuals are possessed of so much more capital today. Many of the high-tech industries you talk about can be conducted through non-personal communication with phones and computers. Would children starve? No, they’d just open up a market for food that’s far cheaper, and that’s an opportunity. Or it would convince the parents to do more work to feed the kids.

                • steroid says:

                  Oh, and for better arguments that I can articulate, watch the 10-hour series Free to Choose by Milton Friedman. It’s free to watch.

                • or put the kids to work. You really didn’t study history did you? An unregulated market can band together and set whatever prices it wants and make their customers into serfs because they are the Only market.

                  Another shop opens up only to be offered the With Us or Against Us option and either dies or sells out, meaning there is no new market. I suggest looking up Trust Busting in the history books.

                  • steroid says:

                    Trust busting: government interference in a free market. Ruined the great economy of the second half of the 19th century.

                    • The point went into an entirely different direction since you don’t have human emotions.

                      • steroid says:

                        Thank you for the compliment.

                      • Jane St.Clair says:

                        It’s what Unc charmingly refers to as his ‘roid rage. I mean, come one DWN, how dare the government interfere in the great economy of the second half of the 19th century that was built on child and immigrant labor with working conditions that would make an unwanted 5 year old Chinese girl cringe.

                        • Uncle Fester says:

                          It’s why everything is being offshored… these damn child labour laws…

                        • The sad thing is he thinks he would be ahead without these laws instead of just another serf…

                        • Uncle Fester says:

                          Without child labour laws, his job would have been done by a slightly dull 8 year old…

                        • Kill the Prime Minister of Malaysia!
                          -
                          -
                          Obey my dog!

                        • froofrou says:

                          What is this, a center for ants!? This will have to be……..three times this big!

                        • froofrou says:

                          One of my favorite movies EVAR :-)

                        • Testify says:

                          Explains. Everything.

                        • froofrou says:

                          I like a lot of non-mainstream movies. It explains nothing other than I have a wide variety of likes. I have a pretty narrow variety of dislikes, but I saved a special place in there for you.

                        • Testify says:

                          Why? Can you explain one thing I did to personally attack you?
                          You’re acting like a child. Not surprising.

                        • Testify says:

                          And Zoolander is not mainstream? You’re joking, right?
                          A Ben Stiller movie is not mainstream…lol!

                        • froofrou says:

                          I’ve linked a personal attack you made on me last night, one of several. Next, please.

                        • Testify says:

                          “Therefore, rules have to be set in place to protect the most people the greatest amount of the time.”
                          -

                          Are you going to suggest your statement wasn’t racist, sexist or bigoted

                        • Testify says:

                          ooops.
                          -
                          in the least? Because where I am from, that’s disenfranchisement, baby!

                        • froofrou says:

                          How are you going to possibly suggest that it is? Also, nice strawman. You’ve managed to try to change the subject, yet again. Want to answer the charge that you’ve made no attacks on me, when I’ve linked a clear-cut personal attack that was completely unwarranted?

                        • Testify says:

                          Where did I say YOU were? Hmmm?
                          You made a statement, I countered with, and I quote:
                          -
                          The most people the greatest amount…
                          Racist. Sexist. Bigot.
                          -
                          The only thing I said about YOU is “you might be a redneck.”
                          -
                          Do you know what strawman means, Patty?

                        • Testify says:

                          “You’re assuming (again) that you can get all of the people to agree with you all of the time. That’s just not possible. Therefore, rules have to be set in place to protect the most people the greatest amount of the time.”
                          -
                          If we all agreed with this we’d still have slavery and you couldn’t vote, hon.

                        • Testify says:

                          The difference between many others and me is that I’m not going to make some ridiculous juvenile statement about how I’ve bested you.
                          I think you didn’t mean this choice of words in this context.
                          Learning experience for all.

                        • froofrou says:

                          I’m not sure where you’re getting that you’ve ‘bested’ me. You never answered my questions, and you’ve refused to defend your strawman. On top of that, you scatter post and stalk, all while making crazy claims and calling people vulgar, stupid names.
                          -
                          I don’t feel the need to feed you any longer, so if that gives you the thrill of thinking that you’ve bested me, you just go right on ahead.
                          -
                          And quit being so literal.

                        • Testify says:

                          Seriously? Look in a mirror! Everything you say is exactly what you do!
                          -
                          Can’t even be magnanimous enough to admit when you’re wrong…what a shame.

                        • Testify says:

                          Strawman= A straw man argument is an informal fallacy based on misrepresentation of an opponent’s position.
                          -
                          I’m addressing your exclusionary words straight on. It’s either how you meant them, or you meant something else and should explain what your actual meaning was. You’re the one bringing a strawman into it, hon.

                        • Testify says:

                          LOL!
                          -
                          Hello (echoes)…

                • Johnathan says:

                  First assumption: parents. Not necessarily going to stick around. Individuals are possessed of more capital today. The cost to compete is also higher. Agriculture is impenetrable next to megafarms. The “cheaper market for food.” Who would open it up? Assuming competition to Joe’s Megafarm opens up, Joe’s can just lower their prices temporarily until the opponent is out of business, then raise them again. Those opening the business would be risking their livelihood (with no safety net under your system), the competition just won’t happen. Add in some anti-monopoly laws and I think you’re on the right track, but the barriers to entry are simply too high for reasonable competition (in my opinion, though I think history bears me out). Labor is simply in too great a supply for the workers not to end up working for bread and a (tiny) roof, if that. This is getting into tl;dr territory, I’ll see what you’ve got about that

                  • steroid says:

                    So open a new competitor every day and the megafarm has to keep its prices low permanently.

                    • froofrou says:

                      And just where are you getting the capital to do this? You can’t just poop a new business every day. Or, if you can, I think that the time you are spending on the internet posting here would be better spent pooping out new businesses.

                      • Johnathan says:

                        wow, I always post the exact same argument as somebody else. I need to start reading the frickin posts. No spam intended

                      • steroid says:

                        But you’d be fighting a war of attrition. If you have enough compatriots to pull it off, you beat the big company. If you don’t, you didn’t deserve to win. If on the other hand you bring in government thugs, then you’re nothing but a thief.

                        • froofrou says:

                          So if I put in a competitor to Walmart, and I don’t win, I should just kill myself?

                        • steroid says:

                          Judge for yourself. Can you beat them? If not, and you don’t want to risk the capital, let walmart thrive.

                        • Johnathan says:

                          So what you’re saying is that there need to be groups, let’s call them “unions,” in order to pull it off? The fact remains that it takes an absurd amount of people to challenge a company as large as ConAgra foods. You have to have people sell equipment to them, you need farmers, transport, and a willing distributor. Here we get to a disagreement that neither will budge on, I think. I think the barriers to knocking down the large companies are too high, you evidently don’t. I think history still bears me out (Gilded Age), you need anti collusion laws, anti trust laws, neoliberalism (like all other ideologies) has limits

                        • steroid says:

                          Unions are fine, so long as they don’t call in the government via the law and have them stack the deck in the union’s favor.

                        • Johnathan says:

                          Then Wal-Mart would gain stupid amounts of power, to answer your first bit, and end up worse than any government could dream up. Wal-Mart Cartel would BE the government, the supplier of food, power, and education, and would act only in its own interest. I think we’ve hit the level of Irreducible Complexity. You believe (correct me if wrong) that given time a few monopolies will form, and that is a good thing. I believe that a few (or one) monopoly(ies) in existence would be a bad thing. I can’t even imagine why the monopolies would be a good thing, they seem pseudo-fascist at best, but agree to disagree?

                        • steroid says:

                          The difference is that instead of voting out this pseudogovernment every 2-4 years, and getting nothing and no receipts for our financial contributions, we could withhold our payments any day and change the policies.

                        • froofrou says:

                          You’re living in a dream world to think that COULD happen. It would take massive mobilization of the public, and for all of them to be on the same page. As we saw in our last presidential election, we can only get (at best) 51% of the people to agree part of the time. You’d have complete anarchy, and no government structure to speak of. You might as well use the Constitution as toilet paper while you’re at it.

                        • steroid says:

                          Again, the real government would bind Walmart to its contracts just as it would the public. I’m really not an anarchist. But I do want to see the most able thrive honestly.

                        • froofrou says:

                          But that’s not what you’re advocating. You’re acting as though everyone will act in everyone else’s best interests and let the ‘good’ companies thrive whiel the bad ones go under. That’s not the way it works in the real world. On paper, sure. But everything works on paper.

                        • Johnathan says:

                          “The difference is that instead of voting out this pseudogovernment every 2-4 years, and getting nothing and no receipts for our financial contributions, we could withhold our payments any day and change the policies.”
                          Still too much inertia. It takes an uprising on the same scale it would take to overthrow our government to overthrow the pseudogovernment. Again, we can all point fingers at each other, I think we probably are at that IC point of debate. Steroid thinks that the people could deal with a bad company that gained momentum. I don’t, some others don’t. Does that sound like a fair assessment?

                        • steroid says:

                          Froufrou: The whole point is to follow the paper the same way we’re supposed to with the Constitution.

                          Jonathan: Yes, I think it would be easier to deal with a bad company than a bad government.

                        • froofrou says:

                          You’re assuming (again) that you can get all of the people to agree with you all of the time. That’s just not possible. Therefore, rules have to be set in place to protect the most people the greatest amount of the time.

                        • Testify says:

                          The most people the greatest amount…
                          Racist. Sexist. Bigot.

                        • froofrou says:

                          Hi Anniee. Still mad that I don’t agree with you arbitrarily?

                        • viking gal says:

                          What you are describing as “Walmart Cartel” used to exist in the USA for many large companies–they had the company store, which set prices for the workers to by their food and clothes from, they had their own company police, and they owned the small houses that the workers lived in–and rented from the company. And this was the big mines, the large steel industries, etc. We are all too young (I think?) to remember the huge violent battles that occurred when workers tried to unionize in the 1910′s and 1920′s–the workers were often killed by those company police, supported by the local police (who were financed by the companies).
                          Admittedly, there was also bombing going on courtesy of anarchists at the time (Wall Street’s first bombing). But anarchists were used as an excuse to fire weapons at unarmed protesters.
                          This information provided to you courtesy of a child of older parents0-who were born of older parents.

                        • Johnathan says:

                          There I disagree, and I don’t think either of us can prove the other wrong. Our government naturally rotates out, and has easy mechanisms for change, but if you disagree with that assessment and think the other way would be easier, neither of us has good enough evidence to change my mind, don’t know about yours, making this the point where we agree to disagree or engage in the internet tradition of calling each other names when we don’t have point, and I don’t really feel like name-calling.

                        • Testify says:

                          Hi Patty.
                          Racist. Sexist. Bigot.
                          Maybe you are a redneck!

                        • steroid says:

                          I’m assuming that the incentive of force is best wielded by the good against the bad, the lazy, the thieves.

                        • froofrou says:

                          Aw, are you ginning up for some real name-calling now? Fire away, Chuckles.

                        • Uncle Fester says:

                          Patty… what is this obsession with patty?
                          I pointed out you made up a lesbian daughter…

                        • Uncle Fester says:

                          Indeed. That’s why you invented her…

                        • Ignatz says:

                          Viking gal: the song “Sixteen Tons” is all about the company store and lousy working conditiions. The pop culture of the time is still available if you look. Steinbeck, Upton Sinclair, John dos Passos, all their works are still in print.

                          Steroid, you’re making the same incorrect assumptions about human nature that Friedman, Marx and Bakunin made: that people will ultimately act for the greater good. Except in rare cases, people keep their own interests first. Workers won’t spontaneously show up at a factory to make widgets (cf Bakunin) unless you pay them. If you don’t pay them enough, they’ll leave, or else organize and force you to pay higher wages. As the current crisis shows, bankers given an opportunity to make money by selling off loans aren’t going to care about the quality of the loans they make.

                          Those who gain power, whether economic or political, will work to preserve and expand their own power regardless of the consequences to the greater society. Put simply, you can’t trust powerful people to govern themselves. This has been proven over and over. There’s a great line from an old Doctor Who episode: “Give an ape control of its environment and it will fill the world with bananas.” We’ve let the apes at AIG, Bank of America, Goldman Sachs et al get all the bananas they wanted, at our expense. Now we’re left with a giant pile of peels and monkey shit.

                          Deregulation of the financial market just doesn’t work. We all know what happened in 1929; prior to that the situation was exactly as you described (government enforces contracts only.) We see how well that worked. The savings and loan industry was deregulated in 1981. By 1989, the S&Ls had overleveraged themselves and gone belly up. In 1999, mortgage lending was deregulated. By 2008, the housing market had collapsed, and all the side bets (credit default swaps) had to be covered. And here we are now. How many times does the million-pound monkeyshit hammer have to come down before you understand that Friedman and the rest of the Chicago School just didn’t get it?

                        • Testify says:

                          *golf clap*
                          Spot-on, guvnah!

                        • rhorho says:

                          @Ignatz: Great post! I was humming “16 Tons”
                          while reading Viking Gal’s post. GMTA?

                          Another neat book: How the Other Half Lives
                          by Jacob Riis. It dates back to the turn of
                          the last century. Riis was a photojournalist, iirc,
                          so the photo plates are terrific.

                        • Ignatz says:

                          I cite that book a lot to people who whine about welfare queens. Riis, Upton Sinclair, Steinbeck, dos Passos, all worth reading.

                        • steroid says:

                          Ignatz: If people are so corrupt, why are governments any better than corporations? Governments comprise people too, don’t they?

                        • Ignatz says:

                          Governments contain mechanisms that limit their activities(checks and balances) and that allow for change (elections). Corporations are only limited by laws, imposed by governments.

                          Governments exist to enforce a social contract between the citizenry and the various branches of the government. Corporations exist to generate profit by providing some good or service, usually at the lowest possible cost to the corporation and the highest possible cost to the consumer.

                          Governments are ultimately answerable to the citizenry. Corporations are only answerable to their shareholders.

                          A corrupt person in authority in government can be removed through government action or through popular action. A corrupt person in authority in a corporation is usually generating profit for the corporation, and is maintained.

                          You can’t vote out the CEO of Bear Stearns without being a shareholder, but you can vote out your congresscritter.

                      • Eric-in-STL says:

                        Well, we could set up government programs or tax breaks to help individuals poop out their businesses…oh wait, that’s government interference, nevermind.

                    • Johnathan says:

                      the risk is too great for the opener, that capital is simply swallowed up by the megafarm. Neoliberal theory has its good points, but following it absolutely leads to monopoly.

                  • lowly grunt says:

                    Which individuals are in possession of what capital?

                    I think this point doesn’t work in an economy where people are living paycheck to paycheck.

                • Eric-in-STL says:

                  Wow, that’s funny. I’m an individual without much capital today. I guess I slipped through the cracks somehow.

                • Tessie says:

                  “Would children starve? No, they’d just open up a market for food that’s far cheaper, and that’s an opportunity.”
                  `
                  A modest proposal?

            • Uncle Fester says:

              And monopoly/cartel works just fine in your world…

            • PortlandMark says:

              You know where there are no controls on banking, and labor has no say? Iraq! Afghanistan! The Darfur! (Hell, all of Africa!)

              Things are going great there, don’t you think?

        • Uh oh…looks like the roid rage is kicking in.

        • So back to child labor and to hell with the 40 hour work week and you’ll be damned if anybody deserves overtime…

          • steroid says:

            Back to freedom of choice. No one put a gun to the children’s heads and told them to work. No one barred the door against leaving at the end of an 8-hour shift. You took your choice and you took the consequences. You think the workers aren’t getting enough? Start a competing business, offer the workers more, draw all the best talent and outperform the old firm until they either move their policies in line with yours or go out of business. But if you’re wrong, it’s you who’ll be bankrupt. Right choices rewarded, wrong choices fail. What’s unfair about that?

            • Uncle Fester says:

              You don’t work, do you… never have…

              • steroid says:

                I’m not the one posting at all hours.

                • froofrou says:

                  ‘Not working now’ =/= ‘never worked’. Fester is retired. He’s saying that ou’ve never had the pleasure of drawing a wage in honest work, which I’m imclined to agree with.

                • It’s called retirement, meaning he worked his time and it is done.

                  As for your answer, that would have technically been the choice back when there was child labor. They worked because they had to support their families because monopolies and cartels made it so.

                  Stating that if I don’t like the mountain to be climbed that I can just make another mountain is naive at best. I am finding myself agreeing more and more with the assessment that things were handed to you instead of you working for them.

                  And I am posting from work in times where there is a lull, thus I haven’t posted as much as I would have liked today since Monday is hell until about 6pm central.

                  • Uncle Fester says:

                    I decided, did I want more money, or did I want a life… I chose to have a lif, while I’m still rich enough and healthy enough to enjoy it….
                    I enjoy prodding cretins…
                    somehow, your god awful shifts don’t really cut it.
                    Having said that, if I get the right call, I’ll pack my bag, kiss my wife goodbye, and have one more Night at the Opera…

                    • froofrou says:

                      Why does that conjure up images in my head of you carrying a suspicious looking hard carrying case that’s about 18″ by 3′ long, and you trying to get rhough customs at some border town by flashing a well-made fake badge?

                      • Uncle Fester says:

                        If I was going through any kind of border control, I’d be inept.

                        • Jane St.Clair says:

                          My dad always had government papers that said, no, airline employee, you are not allowed to check what is in that brown wrapped cylinder shaped package

                    • Ya, I know people that work at General Mills over here and talk about how great the money is and then how they have two days off every three weeks. And mandatory overtime with maybe being able to see the sun in a couple years. I wish I was making this up because I would love to make 600 dollars for a 12 day of overtime…

                      All I can think is that I have kids and they need a father… So I go for a less paying job so I can be a dad. That is more important to me.

                      • Uncle Fester says:

                        Priorities. you need to have them. Time is a harsh mistress. She’ll ride you like a wh0re and then drop the shell along the way if you’ll let her.
                        A wise man chooses his moments. A greedy man gets what he’s given

                        • I think you misread, I am not working the zombie job. I chose my kids which are my priority. Though you might be trying to go for a different point than I was assuming.

                        • Saint says:

                          i work 80 hours per week across 3 jobs. In my “off” time, I run my 2 businesses, one being my comedy career, and the other being a talent management company. All in all, I spend about 110 hours a week “working”. After all of that, I still end up having to borrow money to eat, because the money just doesn’t stretch where it needs to. I think I have a right to be upset when these fat cat bankers and politicians, who’ve never seen a day of REAL work in their life start whining because they can’t have ther 6 figure bonuses. Tough. Live with it. If you live beyond your means, that’s your own damn fault. You are an exec in the Banking Industry, you should have had better financial planning. If you can’t manage your own money, I sure as hell don’t want you managing mine. When I talk to my wife through email and text more than I do face to face, because I’m stuck at work all the time, and I’m willing to put in the hard hours, willing to break my back to put food on my table, you have no place to complain about not being able to pay your country club dues and have the house boy throw an extra coat of wax on the boat. I’ll gladly do your job, for 50% of your annual salary, and be dang happy for the money I’m making.

                        • Uncle Fester says:

                          I think you misread, I am not working the zombie job.

                          No, I simply agreed with you in a clumsy way… I echoed all your sentiments.
                          You’ve chosen wisely…

                        • Kinky, parka time!

            • I’m sorry, I keep re-reading your paragraph that says “No one put a gun to the children’s heads and told them to work. No one barred the door against leaving at the end of an 8-hour shift.” I can’t even mock this properly, it’s just too incredibly ignorant I’m overwhelmed!

              • froofrou says:

                You have to understand, Steroid has apparently been given everything he’s ever obtained in life, and has probably never really worked. He doesn’t understand the way the real world functions, and was probably doodling on his notepad during history class. He’s obviously never heard of child labor, then and now. He’s never seen or heard about the abject poverty that existed ‘back in the day’ that required you to work 20 hour days in order to get 15 cents to try to feed your family. I hope that one day he grows up and learns this stuff, but for right now, it’s best to stay away from him so that the stupid doesn’t rub off and infect you.

                • Uncle Fester says:

                  to coin one of my favourite words – steroid is a neotenous loon.
                  It’s like people who say there is ‘no such thing as ‘enough’ money. The really have no idea of their mortality. NOBODY ever said that they wished they’d spent more hours at the office… unless their life was so accursed as to stand out as unfortunate in a plot by Euripides…

                  • Possibly banging your secretary because your wife is some creature from another world who was delightful at first but her desire to consume human organs became too much to stick around for.

                  • steroid says:

                    Those are your values. Mine involve money. The difference is that I don’t come to your house every April 15 and take 20% of your family or time or whatever it is you do with your life.

                    • Uncle Fester says:

                      They can’t tax time…
                      and you are a slave of mammon. Sad. Empty. Babbling. You’ll die at best alone, and worst despised.

                      • steroid says:

                        But richer, which is what really matters. I don’t care if you despise me, only if you steal my money, which you do.

                        • steroid says:

                          Says you. You don’t know me. I get happiness from money.

                        • Already established that you don’t think on a rational scale of human emotion so moving on. Oddly enough I did read about a group of people who can’t form social bonds with other people but instead form them with objects, even believing they have souls, complete with sexual attraction.

                          So since you are beyond serious conversation on the matter, I am curious what bonds you have with this money you love so much.

                        • Testify says:

                          Buys hookers.

                        • steroid says:

                          Because I’m beyond human. I am a soul independent, unfettered by ties to the past. I define my values and fulfill them.

                        • steroid says:

                          And I buy hookers.

                        • Testify says:

                          LOL!

                        • Uncle Fester says:

                          Riiight…. you’re a sociopath.
                          Jeffrey Dhamer
                          Ted Bundy
                          Dennis Rader
                          Gary Ridgway
                          “Although I have cast conventional morality aside,
                          I can say
                          I have LIVED”
                          you sad, babbling, empty, moron.

                        • steroid says:

                          I am a sociopath with a rigid moral code.

                        • Uncle Fester says:

                          You’re just silly…

                        • Uncle Fester says:

                          I’d not worry… although there are people like that, this one is no more ‘real’ than I am…

                        • Jane St.Clair says:

                          *sigh* Well fine then. I’m just saying it was a good punishment. Those Greeks knew what they were about.

                        • Uncle Fester says:

                          Look up Scaphism, it’s a hoot.

                        • Eric-in-STL says:

                          Nah, I think this twit is just full of it. Although I believe the hookers part.

                    • froofrou says:

                      You’re also not building roads, paying for cops, or doing any of the other things that make my life easier either.
                      -
                      Now, if you want to take my daughter off my hands for 20% of the time so I could finally get a decent nights sleep, come on with you.

                    • Ignatz says:

                      You’re apparently laboring under the apprehension that taxation is theft. Taxation is payment for services rendered by the government. If you use the services of police, fire department, road maintenance, clean air and water, pure food and medicines, a court system, in short any service provided by local, state or federal government, then you are expected to pay for them. If you don’t like the services or don’t like paying for them, you’re free to revoke your end of the social contract and take your patronage to another country. If you live here and call yourself a citizen, then you keep up your end as a citizen.

              • Ya, it was hard to post to. I do have a headache.

              • steroid says:

                Provide me with one example of a company in a free economy that actually forced someone to work.

                • Uncle Fester says:

                  Now… that’s a loaded question.
                  The question is ‘I want to find someone who wants to be sued by a current/previous employer…’
                  you’re just scum.

                • As in had thugs beat them. Check what happened with animator strikes for Disney back in the day. Also, when you own the market, you can set your wages to whatever you want and eventually families will crack and have to send children to work to have enough providers to buy even the cheapest food.

                  History, read it. It covers all of this.

                  • Uncle Fester says:

                    Pissing. In. The. Wind.
                    Steroid is an idiot.

                    • But I couldn’t hold it…

                    • steroid says:

                      At least I append arguments to my insults, you subhuman leech.

                      • froofrou says:

                        Your arguments make no sense. So how are they helping again?

                      • Uncle Fester says:

                        Actually, you don’t wage slave, you make noises to justify your greed and emptiness…

                        • steroid says:

                          Yes, I’m greedy because greed is the path of righteousness for me. And I am the only justification I need. I am the alpha and the omega.

                        • Ah, meglomania. Talking to you is like pissing into the wind since you have no concept of right and wrong, only want and don’t want. Your justification won’t matter in the end and mostly doesn’t matter now. The sad thing is that you can’t be reasoned with and thus all attempts at communicating are doomed to failure because you can’t comprehend anything but your own law.

                          Sadly, you are the second person I have met online who thinks like this.

                        • steroid says:

                          I can be reasoned with. I just need someone willing to accept some other axiom besides “we all belong to each other.”

                        • froofrou says:

                          As a dyed-in-the-wool Capitalist, I can say this with all honesty: reasoning with you is about as necessary and worthwhile as trying to teach a fish how to knit sweaters. You’re just going to get wet, waste your time, and probably piss off the fish. So I leave you to your swimming. Try not to drown.

                        • Testify says:

                          ^^^^ Stockholm syndrome.

                        • steroid says:

                          Froufrou: how capitalistic are you if you don’t like capitalism?

                        • Uncle Fester says:

                          Why the hell would anyone care to reason with that sort?
                          It’s beyond any redemption…

                        • steroid says:

                          Implying that I need to be redeemed which assumes your conclusion. No wonder you don’t want to reason with me: you suck at it!

                        • froofrou says:

                          I love capitalism. But pure, unregulated ANYTHING is a bad idea, and that’s what you’re advocating. Pure capitalism, in it’s true form, is subject to the human factor, just like socialism, communism, or any other -ism you want to name. In their pure forms they are beautiful things that work and help the people using them. In their actual forms in the real world, they damage the very people they are supposed to help. You HAVE to have some type of SOMETHING in there to protect people from themselves. Now, my liberal friends in here would call that needing the government to control it completely. I disagree. I think there needs to be a few laws here and there to keep the stupid from hurting themselves and others, but overall just let it be. However, you can’t expect Mom and Pop down the street to be able to compete with a megaconglomerate like Walmart on merit alone. It just doesn’t work that way. I’m sorry.

                        • Testify says:

                          I thought you were planning to STFU?

                        • froofrou says:

                          *that there need to be a few laws in place.
                          -
                          Geez, I’d give my English Teacher Mother a fit right now!

                        • So basically you can be reasoned with if they agree with you. That isn’t reasoning with you, that is just agreeing with you. However, I already stated why this can’t work.

                        • froofrou says:

                          I just said I was going to let Steroid splash around in the wading pool. Worry to disappoint you, whoever you are this week.

                        • steroid says:

                          See, to me that’s the problem. A failure to align with purity is a failure in the person, not the purity. Purity is an end in itself for me. I’d rather meet physical ruin while maintaining philosophical perfection than to achieve great deeds on sullied ideas. I don’t insist everyone agree; I do insist they let me do as I believe right.

                        • steroid says:

                          DWN: I can be reasoned with if I can be understood. I don’t need you to agree with my values. I need you to get them and understand why they are right for me.

                        • froofrou says:

                          You may believe that killing a small child for the thrill of it is right. I cannot agree with that, and cannot let it happen. Therefore, I put laws in place that prevent you from killing small children, which you see as right.
                          -
                          Do you see how that works? People are not perfect, therefore you can’t set up a system that operates on the assumption that people are going to use it in a perfect manner.

                        • steroid says:

                          I don’t believe in killing small children. I do believe that not saving a small child from starvation is an entirely different concept.

                        • Uncle Fester says:

                          If you don’t nned to be agreed with, the why espouse?
                          You need to be ‘admired’ when really, even the nuts here can only pity you.
                          You’re empty, sad and pointless. There’s nothingg to reason with, since you’re insane.

                        • steroid says:

                          For my own edification, and to defend my property rights.

                        • froofrou says:

                          A small child dies because you could have helped and didn’t? That makes you worse than any mass murderer on the books, darling. The child is innocent, and has no choice.
                          -
                          Therefore, your way is not right FOR ME, nor is it right for the rest of thw rosd, thank goodness for laws that keep you from hurting yourself and others.

                        • steroid says:

                          If no one cares for the child by choice, it has no right to claim care by force. And you can follow your own path, but stop doing it on my dime.

                        • froofrou says:

                          See, this is why I’m suggesting a move to a desert island, as America is set up to care for those who can’t care for themselves. If you’re honestly that dissatisfied with where you’re living or what you have to do to live there, why are you still here?
                          -
                          And you’re not a capitalist conservative, you’re an anarchist libertarian, which makes you dangerous to yourself and others. I suggest medication and possibly shock treatments.

                        • Uncle Fester says:

                          For my own edification, and to defend my property rights.

                          You OWN stuff? Try taking it with you dirt ball. you RENT.

                        • steroid says:

                          I am a libertarian, though not an anarchist, which makes me correct. And America was set up to be a place where the government secured the unalienable rights of the people, which don’t include care.

                        • froofrou says:

                          Steroid doesn’t understand the concept of rent, even when explained to him in terms of ‘renting a beer’.

                        • Uncle Fester says:

                          Steroid is a cretin.

                        • steroid says:

                          Steroid pays his bills on time, and that is what matters.

                        • Uncle Fester says:

                          Does it? shame. I’d have come out of retirement for that bill default….

                        • steroid says:

                          And you’d be waiting and starving, and I wouldn’t bail you out.

                        • Testify says:

                          Why? So you could shake your fist and wheeze “get awf mah lawn!”

                        • steroid says:

                          I own personal property if not real property.

                        • Uncle Fester says:

                          LOL
                          you own nothing…

                        • Testify says:

                          …and you just paid off your house, so it’s taken your whole life to officially own real property. Is that house perchance made of glass? ;)

                  • steroid says:

                    The strikers had government violence on their side. Disney had every right to defend themselves against hostility.

                    And capitalists didn’t invent hunger. If you can’t feed yourself, why in hell do you think you deserve to live?

                • Johnathan says:

                  Provide me with one example of a free economy. But I’m getting tired of this debate, people just have different values. I value human rights. You value wealth. So long as you don’t call the shots, I’m fine with a nonviolent sociopath

            • Eric-in-STL says:

              There are so many things wrong with this post that I don’t even know where to begin.

            • lowly grunt says:

              Are you really suggesting that an eight year old child made a choice to go to work of his/her own volition?

              What child would do that? Only one TOLD to by his/her parents who either have no other options or are making babies to make money.

              • rhorho says:

                Are you really suggesting that an eight year old child made a choice to go to work of his/her own volition?

                No. It’s just a fishing expedition. Considering the length of
                the thread, I would say “steroid” is pleased.

                • lowly grunt says:

                  Yeah, I posted that comment in reaction to the stupid suggestion THEN went and read — well, skimmed — the rest of the thread. I’m sorry he was fed so well; it means he’ll be back!

                  Someone get the kitty carrier ready and we’ll get that sucker off to the vet next time.

                  • rhorho says:

                    It did have to do a lot of work to keep the thread going, though. Eventually, that sort of troll (as opposed to the “hit-and-run” sort) gets tired of spurring things on. Hopefully, we will collectively ignore the troll and he will leave when the returns diminish.

              • steroid says:

                If the parents are responsible for the care of the child, they should also have the power to dispose of the child’s labor.

            • Ignatz says:

              Um… you don’t need a gun. It’s a choice between working and starving to death. Step away from the Friedman, read Upton Sinclair and Jacob Riis, then we’ll talk.

              • steroid says:

                As I said, business owners didn’t invent hunger. I’ve read Upton Sinclair, and I think it preys on emotion.

            • Ignatz says:

              Three words. Triangle Shirtwaist Factory. Dress factory on the upper stories of a building. Management locked the doors to keep people from leaving during their breaks. When the place caught fire, the women working there had no choice but to jump from the windows. Some choice: burn to death or splatter on the pavement ten stories below.

              Click my name and educate yourself.

              Some choice: leave school and go to work at the age of 9, or starve to death.
              Some choice: work a 14-hour shift, or lose your job for leaving early. Raise a fuss, and the company goons come and work you over. Then your name gets passed around to other employers who refuse to hire you. (You’ve heard of blacklisting, right?) These used to be common occurrences, until the government interfered.

              When the wrong choices fail, they fail spectacularly, and people suffer. That’s the one thing Milton Friedman, the Chicago School, and most other neocons either don’t understand, or don’t care about.

              • Uncle Fester says:

                When the wrong choices fail, they fail spectacularly, and people suffer. That’s the one thing Milton Friedman, the Chicago School, and most other neocons either don’t understand, or don’t care about.

                It’s the ‘don’t care’. People are a self renewing resource, thus it’s always a buyer’s market. There are blips. Loom Weavers had a period where they could name their price…

              • steroid says:

                I don’t care about it. If you choose wrong and fail, you deserve to fail spectacularly. Suffering is not a bad thing in and of itself. It’s only bad when good people suffer.

        • If it was pure capitalism, these guys would be OUT OF WORK now because of their extremely poor management choices, not getting bailed out by….us. Therein lies the problem with your analysis. I would have no problem with them making gazillions of dollars if they weren’t sucking at the public teat when they screw up and get too deep in the hole.

          • steroid says:

            I agree with you sir. Too many though who say that are keen to move on to highly uncapitalistic positions.

              • steroid says:

                Apologies.

                • Uncle Fester says:

                  Like you care.

                  • steroid says:

                    See, I own up to my failings instead of robbing others to patch them.

                    • Uncle Fester says:

                      Actually, you just rob and give to your self. The short comings you admit to cost nothing. You’re just a slave.

                      • steroid says:

                        Rob whom? dissimilitude? You?

                        • Uncle Fester says:

                          I don’t see you as being talented… who ever you’re employed by is over paying you…

                        • froofrou says:

                          This has GOT to be a social experiment. Even at my Neo-Con worst, I was never this psychotic.

                        • Testify says:

                          Keep yapping, Patty. We all care so much what a traitor says.

                        • froofrou says:

                          Hi Anniee.

                        • Testify says:

                          Hi Patty!
                          Seems you’re enjoying sucking off your friends in the Symbionese Liberation Army even after all these years.

                        • froofrou says:

                          I love the fact that you’re not even denying being Anniee anymore. I guess it’s shift change down at the local mental ward, and you slipped out of your room between two guards and found a computer?

                        • Testify says:

                          Guess again, quisling!

                        • Uncle Fester says:

                          who are you calling Patty, retard?
                          Look, we know your tag teaming youself with steroid, and that you’re not even the normal idiot who posts as Steroid…
                          We’ve indulged you, but now you’re just taking the piss…
                          You’re a bigger moron, and a bigger sociopath, than even the legendary Megabob of the 73 socks….
                          You need a life pal

                        • Testify says:

                          LOL! Got a little jock itch there, fessie?
                          Dick getting crusty?

                        • Uncle Fester says:

                          It’s only lacking your arse, hotstuff

                        • Testify says:

                          Awww, he likes me! He REALLY likes me!
                          lol

                      • Testify says:

                        And your worthless ass was forced to retire.

                        • Uncle Fester says:

                          You just want me… in a sordid, sexual, way….

                        • Testify says:

                          SO? You were still forced to retire. Which means you are the one currently dry humping the system!

                        • steroid says:

                          Bwahahaha! Thanks for the tip, Test.

                        • Uncle Fester says:

                          Talking to yourself now… that’s just creepy…
                          and if you need to think I was forced, then you live it up, wage slave.
                          I don’t need to try and support my own points by generating faux users….

                        • Testify says:

                          Forced. To. Retire. Welfare Queen.

                        • froofrou says:

                          If you’re living on money that you yourself have saved, put back, and kept for when you do retire, you’re not a welfare queen. You’re smart. And, Testify, you’re stupid.

                        • Testify says:

                          I’m stupid. That’s hilarious, Patty-taking-in-the-arse!

                        • Testify says:

                          British retirement pension? Need a little help “getting” that?

                        • Uncle Fester says:

                          BTW, you still owe me the $800+travel+accommodation+bodybag+boxcutter from our last session…

                        • steroid says:

                          Someone do an IP trace to prove to this numbskull that I’m not Testify.

                        • Uncle Fester says:

                          Did I say I was on a pension? I said I’d retired… who needs a pesnion yet?

                        • Testify says:

                          You must have received my invoice, then!

                        • Uncle Fester says:

                          LOL
                          So, you can use proxies sociopath… nice.

                        • Uncle Fester says:

                          Typical retard…
                          You.
                          Owe.
                          Me.
                          Money.

                        • froofrou says:

                          Here you go, Fester [LINK]

                        • Testify says:

                          Not getting enough pension, big boy?

                        • Uncle Fester says:

                          Hey, you’re the one who reckons that everything is paid for…

                        • Testify says:

                          You’re the one begging for more…

                        • steroid says:

                          It’s so cool when your debate opponent offers an easily falsifiable statemnt so you can disprove it and laugh at him.

                        • Uncle Fester says:

                          Designate the easily falsifiable statement…
                          you’re the one talking to yourself for company…

                        • Testify says:

                          Why would I want to talk to myself when I’ve got such fine company in you, big boy!

                        • steroid says:

                          You see, *I* know that I’m not Testify. (And so does Testify) You don’t, but that’s not my problem.

                        • Testify says:

                          TESTIFY!
                          LOL!

                        • Uncle Fester says:

                          Ah, but the thing is, it really does’t matter…
                          It looks like you’re Testify, and tbh, you may as well be the same person if you’re not… you’re just looking an arse, dear.

                        • Testify says:

                          But, you ARE an arse. At least he just looks like one.

                        • steroid says:

                          So, to you perception overrules truth. That explains a lot.

                        • froofrou says:

                          Ooooh, that stings. Damn, that must have taken you a week to come up with that insult. Please, hit again. I beg you.

                        • Testify says:

                          Why, yes, Patty, you MAY have another.
                          -
                          Still need a pardon from BJ?

                        • steroid says:

                          That wasn’t an insult, it was a point.

                        • Uncle Fester says:

                          You’ve yet to make a point.
                          and this is the internet… looks like we’ve got one lonely sociopath protesting it’s two lonely sociopaths, it really doesn’t matter… the net effect is lonley socopath crowing how sociopathic they are… one, two… makes no real odds.
                          I think you think someone may be taking you seriously, when really, I’m taking the piss every chance, you’re taking te piss every chance, frou is taking the piss at every chance…
                          It’s a quadrille. None of this actually matters… it’s a fencing match with dulled foils and a masks… :)
                          If you really believe that crap, then god help the people around you. .

                        • Testify says:

                          lol you love it and you fukcing KNOW it!
                          -
                          Suck it dry, skeksis-man!

                        • Uncle Fester says:

                          was that English? It used the Roman alphabet, but that seemed to be the end of that…

                        • rhorho says:

                          Wow: At 5:52, Testify answered a question
                          posed to Steroid. What a coward!

                        • Testify says:

                          With all the typos and misspells you make, you’re kidding, right?
                          -
                          *breaks glass to extinguish flaming straw man*

                        • rhorho says:

                          …and by coward, I mean “person who has to sock as two people to make up for a lack of security.

                        • rhorho says:

                          Is it me, or does anyone else smell Anniee?

                        • Testify says:

                          First I’m Anniee, and now I’m Steroid.
                          -
                          Can you make up your minds who you are accusing me of being!
                          -
                          *hums “Paranoia”*

                        • Uncle Fester says:

                          I’d say ‘stench’…

                        • Testify says:

                          Note even close, but I’d be interested in meeting this person.
                          Steroid, too!
                          - :lol:

                        • froofrou says:

                          If you’d make up your mind as to who you are, it might make it easier on you. We, on the other hand, KNOW who you are. So we’re good.

                        • Testify says:

                          And who would that be?

                        • rhorho says:

                          You are Anniee, pretending to be Steroid and Testify.

                          Did you and Mike not hit it off well?

                        • Testify says:

                          LOL!
                          You guys need to get out more. Again, not even close.
                          Steroid, you’re amusing. I like you.

                        • Uncle Fester says:

                          One of the charms of the internet sock… they tend to go for the argument from fallacy that they can be only one other person, when we have the Megabob who was over 70 different socks, many of which were engaged in long, pointless conversations about how great their points were.
                          Just take the fact that no one here actually takes you seriously anymore, no more than they do in your real life…

                        • Testify says:

                          Did I ask anyone to take me seriously?
                          Nope! Not even once. Nor do I care if anyone does.
                          I’m amusing ME, and ultimately that is what matters to ME.
                          Am I trying to save anyone’s soul, or do I even care about said item?
                          NOPE!

                        • rhorho says:

                          @Testify and Steroid: I tried to spell out how
                          you got busted, but if you can’t understand
                          plain English, you are beyond help.

                        • Uncle Fester says:

                          Actually, poking you was amusing to me… it was fun watching you dance to my tune while you thought I was dancing to yours…

                        • rhorho says:

                          Byee Anniee!!

                          Don’t forget to take your socks with you. Remember the time you left Mike under your mattress and he got all moldy…

                        • Testify says:

                          HEE HEE! You guys and your paranoia, hilarity, I tell ya!
                          - :lol:
                          -
                          Needed one last laugh!

                        • Uncle Fester says:

                          I Love the way they always feel the need to announce their deprature.
                          It’s like something from the 1960s Batman…

                        • Uncle Fester says:

                          And then they reappear after their grand exit, and simply prove how pathetic they really are…

                        • eddiepscetti says:

                          I actually was starting to wonder what happened to Anniee the Twit.. guess that puzzle has been solved. I wonder what the next appearance will be like? Hopefully we’ll get the one that is being repressed by evil Anniee. It’s almost like a bad remake of The Exorcist.

                        • Testify says:

                          Wrong again, gents!
                          Nobody said I was making a grand exit, I just had to go, you know. do real life things.
                          Hence the TTFN.

                        • The Steve says:

                          Well…Testify, in this thread you were the only one to spell Anniiee’s name with two ii’s (which is the retarded spelling that she uses when she posts under that name).
                          -
                          How would you know that spelling unless you are indeed Anniiee? Hrmm.

                        • Testify says:

                          Look up.

                        • Testify says:

                          Yep, I spelled it wrong. Two iis and one e.
                          So? Relevance fail.

                        • Testify says:

                          Sh!t, looks like I spelled it wrong twice, then.
                          LOL!

                        • Wow….somebody got into their mommy’s meth stash last night, huh?

                          We really need a way to set preferences to “ignore” posts from people who start this crap.

                        • Testify says:

                          LOL!
                          You’d be ignoring EVERYONE here, then, since from what I’ve seen, there is not a single person who HASN’T deliberately started some crap.
                          Isn’t that the point?

                        • Danbala says:

                          @diss:
                          I agree verily.

                        • Testify says:

                          Again, same statement.
                          Tell me, would you ignore Fester, who you’ve all actually proclaimed is the biggest crap starter? Or would you continue to be entertained by his shenanigans?
                          Deep Thought, process…

                        • Danbala says:

                          @Testify:
                          Sorry – was your 8:15 am post aimed at me?

                        • Testify says:

                          If you want, or whoever wants to answer it.
                          No biggie!

                        • Danbala says:

                          Aah. In that case, meh.

                        • Testify says:

                          MEH INDEED!
                          -
                          Why’s everybody get so worked up here?

                        • steroid says:

                          Ha, looks like I missed a luau. I like you too, Testify, we should drink together. Now, for the rest of you, if you’re so wrong about sock puppetry, why should I trust you on economics? It only indicates to me that you’re willing to junk reason to support your points.

                        • Testify says:

                          I love how they digress into insults immediately.
                          I think FF and Diss are the same person. What say you, Steroid?

                        • steroid says:

                          Who knows, who cares? When slugs are eating your garden, you don’t bother finding out their names.

            • Uncle Fester says:

              self refelction isn’t a strong point is it… nor is ‘sense’…

        • Uncle Fester says:

          I’m stupid? Anarcho-Capitalism ends in either monopoly or cartel. and you call me ‘stupid’… when you’re the one who shows again and again that you’re a cretin…

    • Tessie says:

      “Because god forbid you actually acknowledge our right to accumulate money in a free society …
      collecting big tax refunds from our president since we’d make less than $250,000. Or we could be unemployed and get to take money from medicaire and social security instead of paying into it.”
      `
      So, bailing out the guys who took us over this cliff is not only OK in a “free society”, but their right; but bailing out some schmoe with unemployment after his company moved his job to Bangalore is… um… bad for some reason?

  7. slaggingham says:

    The “bailout,” and “stimulus package” distributed evenly amongst all US taxpayers (and only taxpayers) would come to around $11K per taxpayer.

    That’s about a year and a half of monthly mortgage payments, from where I’m standing, or even better, paying off 20% of the remaining principal on my house.

    (I actually LISTENED in my Economics courses and therefore saod ‘no’ to an adjustable-rate mortgage, preferring to buy a smaller place on a fixed rate I could actually afford. Where’s MY free money?)

    • Well, there is this barrel that you put your dick in and the snake in there bites it off. Your money is in the bottom of the barrel and you will need to use your dick to fish it out.

      • ubr says:

        rofl. next time i get a question like that i’m going to try that on one of my clients and see how it works…

        • Use it with my blessing. I think it would be made all the more poignant for you to say that all and then say with a straight face that a crappily named dragon god told you this information.

    • Johnathan says:

      I think the ARM forms should have said at the bottom of the paper, in fine print “Note: this doesn’t sign you up for any loan, it signs you up for mandatory attendance of a basic Econ/Finance course,” we would have been a lot better off

      • ubr says:

        you don’t think that adjustable rate mortgage was enough of a give away?
        i’m surprised no one has brought up negative amortization loans yet… those were the real killer loans out there… people really thought they had a mortgage with a 1% interest rate…

        • Uncle Fester says:

          Depends on how it’s sold.
          If you’re familiar with UK mortgage structures, they had a long sale of endowment mortgage. That was a laugh.

    • lowly grunt says:

      Sorry, slagg, you were smart and made a responsible decision. No soup for you!

    • rhorho says:

      Hey, if it’s any consolation, remember that you didn’t lose any sleep over spending within your means. I’m like you in that I made an incredibly frugal choice. In my case, I paid cash for a smaller house rather than having a mortgage at all. An acquaintance actually called me an idiot for not financing, because I could invest the money and get a higher return than the mortgage rate. At the time, he was probably right.

      Since then, his company lost a major contract, and he has lost his Mazda X8 to repossession and had to sell his house.

      When will we frugal folk learn? ;-)

    • Ignatz says:

      Well, is your house worth less than what’s owed on it? If so, then there’s a HUD program that will let you cram down the debt. Just gotta look a little bit.

    • the_original_shortright says:

      my situation is different entirely – but i’d still love to get my hands on that $11k.
      -
      i’m a 23 year old college graduate. graduated with 2 degrees in 4 years. i work full time for a health care company and own my own business in my “free time”. i have NO credit card debt, am overpaying on my school loans so that they can be finished before i’m ready to retire, have a paid off car, and pay all my bills on time (cell phone, etc). after college i moved home into my old room so i could save money and buy a house. i’m trying to buy a house right now and based on my budget i have enough saved to put down 20% downpayment.
      -
      i can’t get a mortgage because i’m not a “safe” bet. yet my neighbor, a 37 year old grandmother who has bill collectors at her house every other week, just bought her second house. i know how much she bought for the house next to my parents, it used to be owned by my family… i know she put a bid in for a specific amount and it was accepted and then during the closing process she screwed them out of $15k of that bid.
      -
      how the banks can rationalize giving loans to certain people and not others is disgusting. i never took an economics class, but i’m pretty sure having a credit score in the upper 700s, no extraneous debt (can’t avoid the school debt though), and a good savings should get me that mortgage i need. but no.
      -
      /pissed off rant

      • Ignatz says:

        Part of the problem is you’re 23. You don’t have much of a credit history. Try again when you’re 30 and you’ve got years of good payments to reference. Having a history of good payments on debts actually helps you get credit. Crazy, I know, but such is life. You might be able to take that 20% and buy a foreclosed property outright.

        • the_original_shortright says:

          i’ve been paying my own bills since i was 18. yeah, it’s not 15 years of credit history, but it’s 5 years of history. which is why my credit score is in the upper 700s.
          -
          i AM looking at foreclosed homes. and FHA 403whatever loans. i am more than qualified but the banks are too fcuking scared to give anyone loans that they’re not giving them to people who actually would be able to pay them back.
          -
          and i’m looking to buy now, not when i’m 30 because by the time i’m 30 i intend on having a family. now i have the time and the funds available to purchase… when i’m 30 i’ll be too worn out from chasing kids and changing diapers to even want to think about moving. plus – strike while the iron is hot. i can get houses in my price range now… 7 more years and i’ll be another one of those people trying to buy houses that have over-inflated to the point where it’s impossible to purchase. and i’m looking to buy because renting is a scam. why on EARTH would i pay double what it really costs just so i can give someone else a profit, eff that. i’ll buy and pay at cost.

          • ubr says:

            find a good FHA lender and get yourself a home… if you were in CA i could point out three or four different companies that would be happy to get you a good fixed rate loan…

  8. ubr says:

    can we trade our anonymous avatars for the ones at “totally looks like”? there’s are way cooler.

  9. Char says:

    Steroid, it’s not your dime. You’re just borrowing it from the government. Every dollar in the country is theirs to do with what they please. If you don’t like it, go back to bartering.

  10. Man, there are some characters in this place! Jaysus.

  11. Smartz says:

    When I think of the situation we are in today, I can’t help but think of the words “trust” and “monopoly”. Not in a literal sense, but a figurative sense, where these banks and insurance companies are using their power to control the masses of people who rely on them daily through money. It’s not so much a control to prevent competition from other companies, but more of the business’ upper echelons controlling their customers in such a way they will forever be indebted to them…I guess the best term to describe it is Corporate Indenturing using deception. These banks say “Oh, we can give you a loan to buy that house, even though we know it is over your head to pay it back with your income and credit at the time, and that being the case you will be paying us for the next 20 odd years, and our pockets will always be filled with cash.”

    I don’t know, I just can’t put my finger on what to call it, or even how to explain it in words. All I know is it is wrong, and am not surprised that something like a populist movement would occur with these kinds of conditions.

  12. Ignatz says:

    Seems the ‘roid has stopped commenting. Amazing what a combination of reasoned argument and gutter insults can do…

  13. google says:

    good site ,you have excellente music


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