People get offended by the truth
Thursday, September 27th, 2012
Issue 39, Volume 16.
It breaks my heart to witness the stupidity and lack of common sense running rampant in this country today. The lack of responsibility with money and credit has become criminal.
Go ahead, renegotiate that credit card. Why take responsibility for spending beyond your means? Our own leaders are doing it. Itís become a game.
Romneyís remark about how almost half the people living here donít pay taxes causes outrage. He said heís not going to try to change their minds about whom they are going to vote for. Of course they are going to vote for the hand that feeds them. Itís the truth.
Itís so sad that people donít want to hear the truth. It offends them!
Itís funny how people are willing to give things Advertisement
[ Murrieta Volkswagen ] to the wealthy for free, as though they want to be in good graces with them. And, the poor expect to get things for free because we are supposed to feel sorry for them.
How can anyone believe the middle class is going to want or be able to support themselves and the other half of the people living here?
I am so tired of illegals "dying" to get here and then disrespecting me and my country. We have enough of our own poor. We donít need to import any more.
Go ahead. Renegotiate that credit card. Vote for the empty suit. Do you honestly think this is going to be sustainable? Donít be surprised if in your short sightedness you suddenly see, "game over."
Comment #1 | Thursday, Sep 27, 2012 at 1:03 pm
I fail to see your point. Are you saying that the 47% percent of Americans who make too little to pay income tax are all getting free money from the government? Are you forgetting about all of the other forms of taxation that we are subjected to? Do you honestly equate minimizing your tax obligations with getting a hand out? Or maybe we should all be like Romney and pay more than we have to to save face.
What is your point about credit card renegotiating? I am some kind of deadbeat because I got them to lower my interest rate? Give me a break. The banks have made a killing off of me over the years and I have no qualms about minimizing their take. I guess you could say that I am living outside of my means, but I don't have an iphone, I don't have cable tv or a new car, all that my debt has bought me is food, diapers, and medical treatment.
The reason that many of us are in the situation that I am is not that we went out and overspent on frivilous things. Our wages have not kept pace with the cost of living. The people at the top of the payscale, however, are making more than they ever have. This is not a trend that has appeared in the last 4 years. The poor that you revile as freeloaders are more often than not hard working people that are just trying to get by. Don't let this make you think that I will be voting for Obama though. I didn't the last time either. I'll be sending my vote to Gary Johnson. You should look him up.
|Carolyn Armbrust Mathes|
Comment #2 | Friday, Sep 28, 2012 at 11:29 am
I looked up Gary Johnson. Sounds good. I would like to vote for Ron Paul. Unfortunately, if we do that Obama will probably get reelected. Credit is and always has been "A Promise to pay back."
Buying on credit with the knowledge that you can't pay it back is fraud. And, diapers? Why are you bringing children into this world that you can't afford to take care of? I can't think of a more cruel and selfish act.
You've only shown me how short-sighted you really are.
Comment #3 | Friday, Sep 28, 2012 at 3:26 pm
Oh please, I have not spent a single dime that I have not paid back (many times over with interest). You mistake renegotiating with defaulting which are two entirely different things. The only way you get to renegotiate with the credit card companies is if you are in good standing with them. Utilizing my credit instead of food stamps or EBT makes me cruel and selfish? Give me a break. For us the credit cards have been the buffer in the monthly expenses. For those of us making too much to qualify for assistance, but not enough to make it on our paycheck alone there isn't really any other way.
Should I have waited for the economy to turn around and wages to start increasing before I had my kids? Life doesn't work that way. I'm not some teenager on WIC. I make a middle class income and all of my money that doesn't go toward my mortgage, taxes or other bills goes towards making my childrens lives more promising. I thought that your article just had a self righteous tone, but now I see it is a reflection of your personality. I can guarantee you that you have had advantages that many other people do not.
I understand you point about living within your means. I just don't agree with you that everyone who is in debt right now got there through frivolous spending and self indulgence. Many of the problems that our nation faces are the direct result of the actions of your generation. You wanted security and prosperity for yourselves, but left it to your children to pay for it. I call that short-sighted.
|Carolyn A M|
Comment #4 | Friday, Sep 28, 2012 at 8:26 pm
You are correct. I have had advantages. For example, after working and living on my own for a few years, taking classes here and there, I was able to save enough money to pay for the rest of my school and live in my parents home while I was getting my BA from UCR. It was then I got my first credit card. I bought things on sale for my new apt. I only intended to use it for that. The first time I took something back, I called the card company and told them they needed to give me my refund. I really had no intentions of using the card again. I knew how dangerous it could be. Of course they wouldn't and I did continue to use the card. However, even though I have worked at relatively low paying jobs all my life, I have paid off my card every month. I don't care how much interest they charge because I don't pay any. And, anyone with any sense would see it's nothing more than a loan sharking racket in the first place. As I said, it breaks my heart to see people caught up in the web of credit card debt they either can't or won't ever pay back. It's just another bubble waiting to burst.
Comment #5 | Saturday, Sep 29, 2012 at 9:15 pm
I had a credit card for almost 6 years before I ever even used it. There was a time when I paid it off in full every month. But it doesn't take much sometimes to throw a wrench in the works. Hopefully you have not had to deal with an unexpected medical expense, but my family has had a few and then you are faced with some decisions. Do you allow the medical bills to go to collections or do you pay them and start putting the things on the credit and paying as much off as you can.
Eventually, as gas prices and food prices go up there comes a point when you need start getting a pay increase. I have been fortunate enough to have gotten some decent raises over the years so I am actually not too bad off. I've had about an average of a 2% increase in pay over the last 4 years. That wouldn't keep up with inflation in a normal economy. Gas, food and insurance premiums are the main culprits.
If I could change one thing in this country it would be the attitude that people have towards our political parties. If everyone voted for their principles instead of out of fear that the "other guy" will win we would have a much different political landscape. Do we really think that this country can be divided in half in their ideals? I have been voting for 3rd party candidates for the last 12 years. I know I am probably just butting my head up against the wall, but I am working under the hope that someday if enough people can show that they want something truly different then maybe we can change something. The problem is that the powers that truly run this machine do not change office every 4 years. They stay in power because as long as people remain divided by petty ideological battles they can do as they please.
Comment #6 | Sunday, Sep 30, 2012 at 4:02 pm
What would you all do if the State of California regulated you out of your livelihood after fining you all the money you had in your retirement over junk science? Come on you can answer this question because as if the state doesn't care about its people, you the people should.
I lost everything over a simple product that you all have used, plywood and the State of California believed it was going to kill everyone. Tell that to your kitchen table, or your house walls next time you talk to them. This liberal government you Californians keep voting into office is responsible for this carnage to its people without recourse. It is the ex-hippie Jerry Brown and the movie star Arnold who have caused so much strife in this state so go ahead keep voting for these clowns and when its your turn to be told to give up your money because of fake science then give it away.
Comment #7 | Sunday, Sep 30, 2012 at 5:34 pm
4 what it's worth ~ On the one hand Credit cards (Debt) is only to be used when you have money, not when you don't.
Buy gas, pay cable and Internet, food cloths for the kids and take your friend to dinner and a movie and pay for it all in one payment at the end of the month.
When you have a steady income you can get those bigger ticket items at 0% interest for a year and make easy structured monthly payments, like my son's auto repair, he needed his car to go to work so I put the repair on a credit card with one of the low interest checks that come with the bill, with the understanding he make the monthly payments.
On the other hand there is a human element involved and that is where they make a killing, sometimes you need cloths or food for the kids and school supplies when you have no money and that is how it starts, A little here and a tank of gas ($50) there and it adds up quick until I'm making those minimum payments plus a little more. Soon I was close to $20,000 in debt for four over four years, making those minimum payments. I got lucky and gave up my little maintenance business to manage a ranch here in Fallbrook, where received a check every two weeks and no overhead except gas and electric. Not knowing how long the job would last I started making 500 to $1000 a month payments and eventually paid off my credit cards and my car and bought my son his first used Toyota pickup (the one that eventually needed repair)
I now have a credit score of 777 last I checked, and if it hadn't been for that little window of opportunity, I would no doubt still be making my minimum plus payments on a large debt and try never to make a late payment or else the roof comes crashing down and you end up bailing on the debt and your credit is ruined forever.
Plane and simple, we are all human and credit (renting money) is what they call usury and it has been going on since biblical times.
The following is from the Internet:
Among the Ancient Western philosophers who condemned usury are Plato, Aristotle, the two Catos, Cicero, Seneca and Plutarch.
Evidence that these sentiments found their concurrent manifestation in the civil law of that period can be seen, for example, from the Lex Genucia reforms in Republican Rome (340 BC) which outlawed interest altogether. Nevertheless, in practice, ways of evading such legislation were found and by the last period of the Republic, usury was once again rife. It was the Democratic party in Rome who rededicated themselves to the cause of those suffering the burden of debt, and under the banner of Julius Caesar, a ceiling on interest rates of 12% was set, and later under Justinian, lowered even further to between 4% and 8%.
Clearly, this left fertile ground for the assault on usury which the Church would mount following its Christianisation of the Roman Empire. It is also forbidden or at least frowned upon in the Muslim and Jewish faiths. Although Jews traditionally practiced it all through history and as history tells us, the reason they were booted out of England by King Edward the First, who in 1285 drove them out, and they never came back until the Cromwell Revolution, 400 years later because in the Christian faith and the Moslem faith it's a sin to charge 'rent' for the use of money. In other words - what we call interest [usury] is a sin. ~ http://www.sweetliberty.org/issues/israel/freedman.htm ~ Benjamin Freedman Speaks on Zionism, 1961
|Carolyn Armbrust Mathes|
Comment #8 | Monday, Oct 1, 2012 at 6:32 pm
Wow, thank you Mike W.
That was very interesting.
History is our crystal ball for the future.
Comment #9 | Thursday, Oct 4, 2012 at 3:52 pm
The only thing new in the world is the history we don't know..
|Carolyn Armbrust Mathes|
Comment #10 | Thursday, Oct 4, 2012 at 9:52 pm
Ha Ha I like it.
Comment #11 | Friday, Oct 5, 2012 at 9:20 am
This thread is an interesting read. I actually agree with all views here and think your not understanding of each other is what the problem is. I agree with Carolyn views about a lot of people in this country today not wanting to hear the truth and can cite many examples of that. My interpretation of her statement of "renegotiating that credit card" is that SOME people do feel some of their debt should be forgiven. I think "In debt" interpreted the comment to apply to people that are just renegotiating the interest rate but still feel obligated to pay all the principal back. I think you two are actually on the same page of making sacrifices and taking responsibility for your actions. I see the real problem in this country being that MANY people are so caught up in supporting their chosen leader and just refusing to look at the facts in front of their faces. Just look at the debate and see how people watching the exact same thing can come away with completely opposite opinions of what took place. I've heard that many Obama supporters refuse to even watch the 2016 movie. They are completely closed to anything that might make them doubt their blind allegiance to "their man". I also agree with you two on third party candidates. I routinely vote third party and was really excited when I thought Ross Perot and Ron Paul had a shot. Not that I agreed with all they had to say but just because they were not blindly towing the party line. Too bad more people aren't like you two.
Comment #12 | Friday, Oct 5, 2012 at 3:54 pm
Boy, talking about hijacking a thread... Just because you won't subject yourself to new or contrary ideas does not mean that those on the left suffer of the samr affliction. Your 2016 movie, just like D'souza's book, it's all assertions, few facts and little substance other than the conspiratorial right wing talking points that are D'Souza's bread and butter.
Or how about Forbes ~ Sep 23, 2012 Ė "2016 fails to connect the dots. Instead, it blurs the arguments against Obama with conspiratorial thinking about what animates the presidentís thinking in concert with blatant falsehoods about how Washington under any president works." ... www.forbes.com/.../documentary-review-dinesh-dsouza-unsuc...
My own opinion is D'souzy is a smart young man who figured he could turn a buck on the back of the right wingnuts hate for Obama...
If you want to watch a worthwhile documentary of real events, not twisted ideas, try this one ~
And to see your boy D' just go here ~ http://www.realclearpolitics.com/video/2012/09/01/bill_maher_vs_dinesh_dsouza_on_obamas_america_documentary.html
@ Jonathan you must be referring to the cancer causing chemicals in the glues that were used to laminate the plywood and particleboard. The plywood industry changed to a safer glue and it seems from your post that you decided to go ahead and continue making your plywood with the one that was finally outlawed, got caught and fined, and now you blame hippies and call it " fake science " Shame on you...
We learn as we go Jonathan, I have been in the building trade all my life and know full well that the petrochemicals used in everything from sub-flooring to roof is released in gases for many years after construction. Even to this day I will not bring any plywood and especially particle board, carpeting, linoleum etc. into my home and know that even the new shower curtain smell is cancer causing. I'm gonna have to give you the old, Get a grip will ya !! and ask you to do some research on why cancer is at epidemic levels these days, but I kinda know you won't so I'll tell ya, petrochemicals in our environment ...Boy, Old R.B. had you pegged right ... though I really don't know if you are Jer aka Ginger or not..
Comment #13 | Friday, Oct 12, 2012 at 7:54 am
Your Forbes link was broke, but I was able to find the comment at http://www.forbes.com/sites/johntamny/2012/09/23/documentary-review-dinesh-dsouza-unsuccessfully-reaches-with-2016/3/.......
Here is the unedited opinion................
Ultimately 2016 is a handsome documentary, but one very full of holes. Because it is, the documentary is a huge reach. Obama is doubtless a very lousy president, heís lousy because he doesnít understand that economic growth is as simple as removing the myriad governmental barriers that stand in its away, but 2016 fails to connect the dots. Instead, it blurs the arguments against Obama with conspiratorial thinking about what animates the presidentís thinking in concert with blatant falsehoods about how Washington under any president works.
Funny how you edited it to leave out Tamny's criticisms of Obama and praises of the movie. Admit it, you just can't handle the truth and don't want others to know the truth.
Comment #14 | Saturday, Oct 13, 2012 at 1:35 pm
Concerned Senior, "Funny how you edited it to leave out Tamny's criticisms of Obama and praises of the movie."
Dear lady, my point was that the movie got overwhelming negative reviews, all saying the same thing, (blatant falsehoods", "imostly assertions, few facts and little substance" etc.) I did not see your Tamny review until I went to your link. My impression is that it was way too long with too many suppositions on the part of Tamney, who is obviously in love with his own writing so I confess, I did not read all 3 pages when most reviewers give their thoughts in one or maybe two paragraphs, never have I seen a 3 page review.
Comment 13 "Admit it, you just can't handle the truth and don't want others to know the truth."
What truth ? The fact that you liked the movie when the majority did not, or the fact that you do not like Obama ? Please show where I knowingly lied in any of my comments, and will you at least admit, none of us have a clue what this president is up against or his personal reasons for doing things. You also have to admit that we all would have a much clearer picture of the man, his actions and his presidency had he not had such overwhelming opposition to nearly EVERYTHING he has tried to do.. Can you at least admit that the majority of republicans have made it their goal to block what ever he has tried to accomplish, be it good or bad for America and make sure he is a one term president.
If you are unable to admit that then there is no use discussing it further, bottom line is that even those who don't care much for Obama, didn't think the movie had merit as a documentary...
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Comment #15 | Friday, Nov 16, 2012 at 8:38 pm
@Mrs. Mathes. So you have had some major advantages in your life. Including the fact that you were able to save money to finish your college education, by moving back to your parents' home. Would you have been able to do that living on your own? Of course anyone can go back to living with Mommy and Daddy, and save enough money for anything. So you take for granted that opportunity. Since your parents let you stay with them rent-free for years, you finished your college education.
Some people don't have it so good. Some people don't ever go back to their parents' homes under any circumstance. Some people pay for their own keep, as well as their college education without the help of their parents. And with your college education, why is it that most of your jobs have been low paying? Is it because you are lucky to be married to a man who can support you and your lifestyle? Because you don't need to worry about paying bills by yourself?