The REAL Reason You're Broke

"Scott en Aztlán" > wrote in message ...
> http://articles.moneycentral.msn.com...oureBroke.aspx
>
> For a huge number of troubled debtors, it all began with a car. Too
> much car, financed too long, traded too soon.
>
> By Liz Pulliam Weston
>
> If you're constantly broke and can't figure out why, the answer may be
> sitting in your driveway.
>
> Americans are spending more on their vehicles than ever before -- more
> than $8,000 a year on average -- and it's driving some to the breaking
> point.
>
> Credit counselor Bill Thompson of Jacksonville, Fla., estimates that
> one out of every four clients his agency sees has overspent --
> sometimes dramatically -- on a car.
>
> "They may be spending 15% to 20% of their (take-home) pay on just the
> car payment," said Thompson, who supervises credit counseling for the
> nonprofit Family Foundations, "and that doesn't include insurance,
> gas, maintenance and all the other costs of owning a vehicle."
>
> And sometimes there's more than one whopping payment. Sandra McGeary,
> a counselor at Consumer Credit Counseling Services of Western
> Pennsylvania, says she regularly sees middle-class families struggling
> with two payments in the $400 to $500 range. The burdens are so big
> that it doesn't take a major disaster, like a job loss, to send them
> over the edge.
>
> With most other areas of the budget, you can find ways to trim. You
> can eat out less and shop more carefully to reduce your food bill. You
> can lower utility bills by adjusting the thermostat. You can cut your
> entertainment budget by canceling your cable service and borrowing
> movies from a library. You can even reduce your shelter costs by
> taking in a roommate or moving to cheaper digs.

And most importantly, you can vote out of office the corporate
whores sitting in the White House who've refused to lift a finger
while corporations ship your jobs overseas, leaving you to find
other jobs that pay 1/2 to 1/3 your old wages. And you can
vote into office people who will do what's best for America
instead of what's best for Rupert Murdoch.

On Tue, 16 Jan 2007 02:56:29 GMT, > wrote:

>"Scott en Aztlán" > wrote in message ...
>> http://articles.moneycentral.msn.com...oureBroke.aspx
>>
>> For a huge number of troubled debtors, it all began with a car. Too
>> much car, financed too long, traded too soon.
>>
>> By Liz Pulliam Weston
>>
>> If you're constantly broke and can't figure out why, the answer may be
>> sitting in your driveway.
>>
>> Americans are spending more on their vehicles than ever before -- more
>> than $8,000 a year on average -- and it's driving some to the breaking
>> point.
>>
>> Credit counselor Bill Thompson of Jacksonville, Fla., estimates that
>> one out of every four clients his agency sees has overspent --
>> sometimes dramatically -- on a car.
>>
>> "They may be spending 15% to 20% of their (take-home) pay on just the
>> car payment," said Thompson, who supervises credit counseling for the
>> nonprofit Family Foundations, "and that doesn't include insurance,
>> gas, maintenance and all the other costs of owning a vehicle."
>>
>> And sometimes there's more than one whopping payment. Sandra McGeary,
>> a counselor at Consumer Credit Counseling Services of Western
>> Pennsylvania, says she regularly sees middle-class families struggling
>> with two payments in the $400 to $500 range. The burdens are so big
>> that it doesn't take a major disaster, like a job loss, to send them
>> over the edge.
>>
>> With most other areas of the budget, you can find ways to trim. You
>> can eat out less and shop more carefully to reduce your food bill. You
>> can lower utility bills by adjusting the thermostat. You can cut your
>> entertainment budget by canceling your cable service and borrowing
>> movies from a library. You can even reduce your shelter costs by
>> taking in a roommate or moving to cheaper digs.
>
>And most importantly, you can vote out of office the corporate
>whores sitting in the White House who've refused to lift a finger
>while corporations ship your jobs overseas, leaving you to find
>other jobs that pay 1/2 to 1/3 your old wages.

Yep, you can do that.

>And you can
>vote into office people who will do what's best for America
>instead of what's best for Rupert Murdoch.

You can try that, but that won't include not shipping your job overseas. Those
people that promise that ultimately don't lift a finger, and additionally
support the importation of illegal aliens and foreigners on H1B visas to take
your jobs here as well. There ain't a nickle of difference between the bunch
you'd be voting out and the bunch you'd want to vote in, except the bunch
you're trying to vote in will lie to you and tell you they're going to do
something for the middle class... then turn around and stroke big business
anyway.

Dave Head

>

"Dave Head" > wrote in message ...
> On Tue, 16 Jan 2007 02:56:29 GMT, > wrote:
>
> >"Scott en Aztlán" > wrote in message ...
> >> http://articles.moneycentral.msn.com...oureBroke.aspx
> >>
> >> For a huge number of troubled debtors, it all began with a car. Too
> >> much car, financed too long, traded too soon.
> >>
> >> By Liz Pulliam Weston
> >>
> >> If you're constantly broke and can't figure out why, the answer may be
> >> sitting in your driveway.
> >>
> >> Americans are spending more on their vehicles than ever before -- more
> >> than $8,000 a year on average -- and it's driving some to the breaking
> >> point.
> >>
> >> Credit counselor Bill Thompson of Jacksonville, Fla., estimates that
> >> one out of every four clients his agency sees has overspent --
> >> sometimes dramatically -- on a car.
> >>
> >> "They may be spending 15% to 20% of their (take-home) pay on just the
> >> car payment," said Thompson, who supervises credit counseling for the
> >> nonprofit Family Foundations, "and that doesn't include insurance,
> >> gas, maintenance and all the other costs of owning a vehicle."
> >>
> >> And sometimes there's more than one whopping payment. Sandra McGeary,
> >> a counselor at Consumer Credit Counseling Services of Western
> >> Pennsylvania, says she regularly sees middle-class families struggling
> >> with two payments in the $400 to $500 range. The burdens are so big
> >> that it doesn't take a major disaster, like a job loss, to send them
> >> over the edge.
> >>
> >> With most other areas of the budget, you can find ways to trim. You
> >> can eat out less and shop more carefully to reduce your food bill. You
> >> can lower utility bills by adjusting the thermostat. You can cut your
> >> entertainment budget by canceling your cable service and borrowing
> >> movies from a library. You can even reduce your shelter costs by
> >> taking in a roommate or moving to cheaper digs.
> >
> >And most importantly, you can vote out of office the corporate
> >whores sitting in the White House who've refused to lift a finger
> >while corporations ship your jobs overseas, leaving you to find
> >other jobs that pay 1/2 to 1/3 your old wages.
>
> Yep, you can do that.
>
> >And you can
> >vote into office people who will do what's best for America
> >instead of what's best for Rupert Murdoch.
>
> You can try that, but that won't include not shipping your job overseas. Those
> people that promise that ultimately don't lift a finger, and additionally
> support the importation of illegal aliens and foreigners on H1B visas to take
> your jobs here as well. There ain't a nickle of difference between the bunch
> you'd be voting out and the bunch you'd want to vote in, except the bunch
> you're trying to vote in will lie to you and tell you they're going to do
> something for the middle class... then turn around and stroke big business
> anyway.

Sorry, "ultimately don't lift a finger" doesn't apply here. Just in
the first week of taking control of Congress we've already seen
an increase in the minimum wage, and also proposals to lower
interest rates on college loans, etc etc.

And in any case, mostly empty promises are still much preferable
to utter contempt, which is all Republicans have had for America's
middle class for the past 25 years.

In article > , wrote:


> Sorry, "ultimately don't lift a finger" doesn't apply here. Just in
> the first week of taking control of Congress we've already seen
> an increase in the minimum wage, and also proposals to lower
> interest rates on college loans, etc etc.

Smoke and mirrors. And the new speaker already got caught with her first
hyprocrisy of supporting 'big business' that's close to her while saying
she's for the little guy as speaker. I knew she had a history of such
things, but I figured she would at least lay low awhile as speaker.

> And in any case, mostly empty promises are still much preferable
> to utter contempt, which is all Republicans have had for America's
> middle class for the past 25 years.

What do you think elitiest democrats have? The same exact utter contempt.
Actually it's far worse because they try to pretend to be our friends.

wrote:

>
>
> And most importantly, you can vote out of office the corporate
> whores sitting in the White House who've refused to lift a finger
> while corporations ship your jobs overseas,


They're not shipping my job overseas. They're just hiring contractors
from half-way around the world, expecting us to teach them how to do our
jobs for 1/3 the money and will fire us (or lay us off) once we've done
it - and it's all "legal".

Those of you who say you don't have a problem with "legal" immigrants
should really like your next job which will entail asking if the
customer wants fries with that.

> leaving you to find
> other jobs that pay 1/2 to 1/3 your old wages. And you can
> vote into office people who will do what's best for America
> instead of what's best for Rupert Murdoch.
>
>

On Tue, 16 Jan 2007 02:27:54 -0700, "Fred G. Mackey" > wrote:

wrote:
>
>>
>>
>> And most importantly, you can vote out of office the corporate
>> whores sitting in the White House who've refused to lift a finger
>> while corporations ship your jobs overseas,
>
>
>They're not shipping my job overseas. They're just hiring contractors
>from half-way around the world, expecting us to teach them how to do our
>jobs for 1/3 the money and will fire us (or lay us off) once we've done
>it - and it's all "legal".

No its not. They're doing this because they can pay them less than the
American wage, and that's the illegal part. Its just not enforced - neither
the Republicans nor the Democrats are 'into' enforcing this law because they're
_both_ in bed with the big businesses that get away with this.

>Those of you who say you don't have a problem with "legal" immigrants
>should really like your next job which will entail asking if the
>customer wants fries with that.

Our only real path to any kind of $$$ is to _own_ a company such as a plumbing
business, and neither will that get shipped overseas nor will there be anyone
coming from anywhere else to take it over. IOW, business _owners_ are the only
ones protected any more. Well, of course there's the unions... they work too.

Dave Head

In article >, Scott en Aztlán wrote:

> Real wealth has always come not from HAVING a job but from CREATING
> jobs. As long as you are just an employee, you are vulnerable. Once
> you take the risks and become the boss, no one can outsource your job.

So when competition that uses slave labor comes into your marketplace and
sells product below their cost and drives you out of business that's
what exactly?

Contractors in various knowledge industries? Why pay them when you can
hire some guys from India for less than half?

Even as the boss you're very vulnerable, it is just different risk.

"Brent P" > wrote in message news
> In article >, Scott en Aztlán wrote:
>
> > Real wealth has always come not from HAVING a job but from CREATING
> > jobs. As long as you are just an employee, you are vulnerable. Once
> > you take the risks and become the boss, no one can outsource your job.
>
> So when competition that uses slave labor comes into your marketplace and
> sells product below their cost and drives you out of business that's
> what exactly?

The "free" market.

Just remember, Tuesday is Soylent Green day.

> Contractors in various knowledge industries? Why pay them when you can
> hire some guys from India for less than half?
>
> Even as the boss you're very vulnerable, it is just different risk.

Exactly.

"Dave Head" > wrote in message ...
> On Tue, 16 Jan 2007 02:27:54 -0700, "Fred G. Mackey" > wrote:
>
> wrote:
> >
> >>
> >>
> >> And most importantly, you can vote out of office the corporate
> >> whores sitting in the White House who've refused to lift a finger
> >> while corporations ship your jobs overseas,
> >
> >
> >They're not shipping my job overseas. They're just hiring contractors
> >from half-way around the world, expecting us to teach them how to do our
> >jobs for 1/3 the money and will fire us (or lay us off) once we've done
> >it - and it's all "legal".
>
> No its not. They're doing this because they can pay them less than the
> American wage, and that's the illegal part. Its just not enforced - neither
> the Republicans nor the Democrats are 'into' enforcing this law because they're
> _both_ in bed with the big businesses that get away with this.

What law are you referring to? Since 1981 our federal
tax policy has rewarded corporations for shipping as many
jobs as possible overseas.

In article >,
Fred G. Mackey > wrote:
>
>They're not shipping my job overseas. They're just hiring contractors
>from half-way around the world, expecting us to teach them how to do our
>jobs for 1/3 the money and will fire us (or lay us off) once we've done
>it - and it's all "legal".

Then the game is to figure out exactly how many ways you can subtlely
sabatoge them. Bonus points if they screw up in a way which gets your
former employer jailed.

>Those of you who say you don't have a problem with "legal" immigrants
>should really like your next job which will entail asking if the
>customer wants fries with that.

I'm pretty sure some fast food places have actually started
out-sourcing the order-taking. The person you can't understand on the
other end of the microphone might actually BE a half a world way,
rather than just sound it.
--
There's no such thing as a free lunch, but certain accounting practices can
result in a fully-depreciated one.