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OT - Gas Tax Holiday
Re: OT - Gas Tax Holiday
Marsha wrote:
> Anne V. wrote:
>
>> I have to agree, I dislike the right-wing site. In my search for
>> causes for the subprime crisis, this was the only article I found that
>> twisted the issue around to blame Obama. It really took a pretty
>> convoluted path. Others placed the blame on the lenders, prospective
>> homeowners who expected the appreciation of property values to
>> continue forever and were caught out when it didn't, fluctuations in
>> the stock market, even the Fed, but not Obama. I don't have time
>> right this minute to hunt down sites that I consider reputable enough
>> to post links to, but I definitely don't see the site you gave as one
>> with any objectivity. I'll come back to this later when I have more
>> time.
>>
>> Anne
>>
>
> Actually, the article doesn't blame Obama solely. It blames Obama and
> those like him who worked for the Public Interest Research Group, who
> lobbied for a stronger CRA. That was very short-sighted, IMO, although
> maybe good intentioned. If you were owned a bank, would you like it if
> the government told you that you had to loan money to people who were
> bad credit risks? I don't think this is a good trait for a future
> president.
>
> Marsha/Ohio
>
Damn, I can't type tonight. That should be "if you owned a bank....
Marsha wrote:
> Anne V. wrote:
>
>> I have to agree, I dislike the right-wing site. In my search for
>> causes for the subprime crisis, this was the only article I found that
>> twisted the issue around to blame Obama. It really took a pretty
>> convoluted path. Others placed the blame on the lenders, prospective
>> homeowners who expected the appreciation of property values to
>> continue forever and were caught out when it didn't, fluctuations in
>> the stock market, even the Fed, but not Obama. I don't have time
>> right this minute to hunt down sites that I consider reputable enough
>> to post links to, but I definitely don't see the site you gave as one
>> with any objectivity. I'll come back to this later when I have more
>> time.
>>
>> Anne
>>
>
> Actually, the article doesn't blame Obama solely. It blames Obama and
> those like him who worked for the Public Interest Research Group, who
> lobbied for a stronger CRA. That was very short-sighted, IMO, although
> maybe good intentioned. If you were owned a bank, would you like it if
> the government told you that you had to loan money to people who were
> bad credit risks? I don't think this is a good trait for a future
> president.
>
> Marsha/Ohio
>
Damn, I can't type tonight. That should be "if you owned a bank....
Re: OT - Gas Tax Holiday
On Sat, 10 May 2008 22:22:39 -0400, Marsha <mas@xeb . net > wrote:
>Anne V. wrote:
>
>> I have to agree, I dislike the right-wing site. In my search for causes for
>> the subprime crisis, this was the only article I found that twisted the
>> issue around to blame Obama. It really took a pretty convoluted path.
>> Others placed the blame on the lenders, prospective homeowners who expected
>> the appreciation of property values to continue forever and were caught out
>> when it didn't, fluctuations in the stock market, even the Fed, but not
>> Obama. I don't have time right this minute to hunt down sites that I
>> consider reputable enough to post links to, but I definitely don't see the
>> site you gave as one with any objectivity. I'll come back to this later
>> when I have more time.
>>
>> Anne
>>
>
>Actually, the article doesn't blame Obama solely. It blames Obama and
>those like him who worked for the Public Interest Research Group, who
>lobbied for a stronger CRA. That was very short-sighted, IMO, although
>maybe good intentioned. If you were owned a bank, would you like it if
>the government told you that you had to loan money to people who were
>bad credit risks? I don't think this is a good trait for a future
>president.
>
>Marsha/Ohio
Precisely! It's fiscal irresponsibility. As with so many programs, the
intent was good--to get loans to minorities who may have been denied
because of prejudice. But like so many programs, it went too far and
enabled people to over-extend.
To me it smacks of the history of the Affirmative Action program. That
also went too far, right down to police and firefighter candidates
getting to take a "dumb-downed" test that lowered qualification
standards significantly.
Anne/OH
On Sat, 10 May 2008 22:22:39 -0400, Marsha <mas@xeb . net > wrote:
>Anne V. wrote:
>
>> I have to agree, I dislike the right-wing site. In my search for causes for
>> the subprime crisis, this was the only article I found that twisted the
>> issue around to blame Obama. It really took a pretty convoluted path.
>> Others placed the blame on the lenders, prospective homeowners who expected
>> the appreciation of property values to continue forever and were caught out
>> when it didn't, fluctuations in the stock market, even the Fed, but not
>> Obama. I don't have time right this minute to hunt down sites that I
>> consider reputable enough to post links to, but I definitely don't see the
>> site you gave as one with any objectivity. I'll come back to this later
>> when I have more time.
>>
>> Anne
>>
>
>Actually, the article doesn't blame Obama solely. It blames Obama and
>those like him who worked for the Public Interest Research Group, who
>lobbied for a stronger CRA. That was very short-sighted, IMO, although
>maybe good intentioned. If you were owned a bank, would you like it if
>the government told you that you had to loan money to people who were
>bad credit risks? I don't think this is a good trait for a future
>president.
>
>Marsha/Ohio
Precisely! It's fiscal irresponsibility. As with so many programs, the
intent was good--to get loans to minorities who may have been denied
because of prejudice. But like so many programs, it went too far and
enabled people to over-extend.
To me it smacks of the history of the Affirmative Action program. That
also went too far, right down to police and firefighter candidates
getting to take a "dumb-downed" test that lowered qualification
standards significantly.
Anne/OH
Re: OT - Gas Tax Holiday
Marsha <mas@xeb . net > wrote in news:g00d5j$enb$2@news.datemas.de:
> Read again, Anne. No one is laying the blame solely on Obama. I said
> he is part of the reason. The Community Reinvestment Act is something
> Obama supported and was part of - an act that forced banks to make loans
> to people who were poor credit risks, mostly minorities. Of course, the
> other part of the problem is stupid people who went way in over their
> heads because they had to "keep up with the Joneses" and now want to
> blame someone else and want the government to bail them out. Either
> way, this mess could all have been prevented with common sense,
> something that seems to be sorely lacking these days.
And yet I don't know any of those people who are being foreclosed on,
having cars repossessed, etc. - the people I see it happening to around
here are those who lived within their means all their lives and lost their
jobs and medical insurance. It only takes one small thing like that to
make you a credit risk. You should consider yourself blessed that it
hasn't happened to you instead of placing any of the blame on the "poor
credit risk people" or those who helped them get a second chance. Do you
have any statistics to back up your allegations or is it just your opinion?
Marsha <mas@xeb . net > wrote in news:g00d5j$enb$2@news.datemas.de:
> Read again, Anne. No one is laying the blame solely on Obama. I said
> he is part of the reason. The Community Reinvestment Act is something
> Obama supported and was part of - an act that forced banks to make loans
> to people who were poor credit risks, mostly minorities. Of course, the
> other part of the problem is stupid people who went way in over their
> heads because they had to "keep up with the Joneses" and now want to
> blame someone else and want the government to bail them out. Either
> way, this mess could all have been prevented with common sense,
> something that seems to be sorely lacking these days.
And yet I don't know any of those people who are being foreclosed on,
having cars repossessed, etc. - the people I see it happening to around
here are those who lived within their means all their lives and lost their
jobs and medical insurance. It only takes one small thing like that to
make you a credit risk. You should consider yourself blessed that it
hasn't happened to you instead of placing any of the blame on the "poor
credit risk people" or those who helped them get a second chance. Do you
have any statistics to back up your allegations or is it just your opinion?
Re: OT - Gas Tax Holiday
I guess the predatory lending that we've all heard so much about is a fairy
tale, too, right?
Anne
"Marsha" <mas@xeb . net > wrote in message news:g00d5j$enb$2@news.datemas.de...
> Read again, Anne. No one is laying the blame solely on Obama. I said he
> is part of the reason. The Community Reinvestment Act is something Obama
> supported and was part of - an act that forced banks to make loans to
> people who were poor credit risks, mostly minorities. Of course, the
> other part of the problem is stupid people who went way in over their
> heads because they had to "keep up with the Joneses" and now want to blame
> someone else and want the government to bail them out. Either way, this
> mess could all have been prevented with common sense, something that seems
> to be sorely lacking these days.
>
> Marsha/Ohio
>
I guess the predatory lending that we've all heard so much about is a fairy
tale, too, right?
Anne
"Marsha" <mas@xeb . net > wrote in message news:g00d5j$enb$2@news.datemas.de...
> Read again, Anne. No one is laying the blame solely on Obama. I said he
> is part of the reason. The Community Reinvestment Act is something Obama
> supported and was part of - an act that forced banks to make loans to
> people who were poor credit risks, mostly minorities. Of course, the
> other part of the problem is stupid people who went way in over their
> heads because they had to "keep up with the Joneses" and now want to blame
> someone else and want the government to bail them out. Either way, this
> mess could all have been prevented with common sense, something that seems
> to be sorely lacking these days.
>
> Marsha/Ohio
>
Re: OT - Gas Tax Holiday
You're right. Common sense seems to be lacking in some people when it comes
to buying a house. We bought a house we could afford on one paycheck even
though we were both working. When Bror became ill, we still managed, and
before I was a subject of the "let's downsize" mentality, our house was paid
for. Our cars are paid for and we have no debt. We just didn't buy what we
couldn't afford, and we still don't.
However, only one of our children has followed suit. His house is paid for,
his truck is paid for, and he also has no debt (age 51). He recently told
me how wonderful it feels to know debt isn't going to kick him in the teeth.
Our next expenditure is our funerals (grave lots are paid for) and we have
over half enough to prepay them for both of us. If neither of us dies
before next year, we'll be able to prepay them entirely. Thinking ahead is
a prerequisite to staying debt-free.
"Marsha" <mas@xeb . net > wrote in message news:g00d5j$enb$2@news.datemas.de...
>
>
Of course, the > other part of the problem is stupid people who went way
in over their
> heads because they had to "keep up with the Joneses" and now want to blame
> someone else and want the government to bail them out. Either way, this
> mess could all have been prevented with common sense, something that seems
> to be sorely lacking these days.
>
> Marsha/Ohio
>
You're right. Common sense seems to be lacking in some people when it comes
to buying a house. We bought a house we could afford on one paycheck even
though we were both working. When Bror became ill, we still managed, and
before I was a subject of the "let's downsize" mentality, our house was paid
for. Our cars are paid for and we have no debt. We just didn't buy what we
couldn't afford, and we still don't.
However, only one of our children has followed suit. His house is paid for,
his truck is paid for, and he also has no debt (age 51). He recently told
me how wonderful it feels to know debt isn't going to kick him in the teeth.
Our next expenditure is our funerals (grave lots are paid for) and we have
over half enough to prepay them for both of us. If neither of us dies
before next year, we'll be able to prepay them entirely. Thinking ahead is
a prerequisite to staying debt-free.
"Marsha" <mas@xeb . net > wrote in message news:g00d5j$enb$2@news.datemas.de...
>
>
Of course, the > other part of the problem is stupid people who went way
in over their
> heads because they had to "keep up with the Joneses" and now want to blame
> someone else and want the government to bail them out. Either way, this
> mess could all have been prevented with common sense, something that seems
> to be sorely lacking these days.
>
> Marsha/Ohio
>
Re: OT - Gas Tax Holiday
Phyllis, and I'm not saying this to criticize, because what you have done is
the smart thing. We also bought a house we could afford, and we have no
mortgage. However our property taxes have gone from I think it was $1,900
the first year to over $11,000 currently, and our insurance from a little
over $2,000 to $9,000. All the planning and frugality didn't foresee that
much change. We both have enough insurance to cover our burial. Houses can
and will be foreclosed if you don't keep the taxes paid, so being mortgage
free is not always the answer.
Barb C.
"Phyllis Nilsson" <phyllisnilsson@buckeye-express . com > wrote in message
news:8eOdnYATv5b79bnVnZ2dnUVZ_t2inZ2d@buckeye-express . com ...
> You're right. Common sense seems to be lacking in some people when it
> comes to buying a house. We bought a house we could afford on one
> paycheck even though we were both working. When Bror became ill, we still
> managed, and before I was a subject of the "let's downsize" mentality, our
> house was paid for. Our cars are paid for and we have no debt. We just
> didn't buy what we couldn't afford, and we still don't.
>
> However, only one of our children has followed suit. His house is paid
> for, his truck is paid for, and he also has no debt (age 51). He recently
> told me how wonderful it feels to know debt isn't going to kick him in the
> teeth.
>
> Our next expenditure is our funerals (grave lots are paid for) and we have
> over half enough to prepay them for both of us. If neither of us dies
> before next year, we'll be able to prepay them entirely. Thinking ahead
> is a prerequisite to staying debt-free.
>
> "Marsha" <mas@xeb . net > wrote in message
> news:g00d5j$enb$2@news.datemas.de...
>>
>>
> Of course, the > other part of the problem is stupid people who went way
> in over their
>> heads because they had to "keep up with the Joneses" and now want to
>> blame someone else and want the government to bail them out. Either way,
>> this mess could all have been prevented with common sense, something that
>> seems to be sorely lacking these days.
>>
>> Marsha/Ohio
>>
>
>
Phyllis, and I'm not saying this to criticize, because what you have done is
the smart thing. We also bought a house we could afford, and we have no
mortgage. However our property taxes have gone from I think it was $1,900
the first year to over $11,000 currently, and our insurance from a little
over $2,000 to $9,000. All the planning and frugality didn't foresee that
much change. We both have enough insurance to cover our burial. Houses can
and will be foreclosed if you don't keep the taxes paid, so being mortgage
free is not always the answer.
Barb C.
"Phyllis Nilsson" <phyllisnilsson@buckeye-express . com > wrote in message
news:8eOdnYATv5b79bnVnZ2dnUVZ_t2inZ2d@buckeye-express . com ...
> You're right. Common sense seems to be lacking in some people when it
> comes to buying a house. We bought a house we could afford on one
> paycheck even though we were both working. When Bror became ill, we still
> managed, and before I was a subject of the "let's downsize" mentality, our
> house was paid for. Our cars are paid for and we have no debt. We just
> didn't buy what we couldn't afford, and we still don't.
>
> However, only one of our children has followed suit. His house is paid
> for, his truck is paid for, and he also has no debt (age 51). He recently
> told me how wonderful it feels to know debt isn't going to kick him in the
> teeth.
>
> Our next expenditure is our funerals (grave lots are paid for) and we have
> over half enough to prepay them for both of us. If neither of us dies
> before next year, we'll be able to prepay them entirely. Thinking ahead
> is a prerequisite to staying debt-free.
>
> "Marsha" <mas@xeb . net > wrote in message
> news:g00d5j$enb$2@news.datemas.de...
>>
>>
> Of course, the > other part of the problem is stupid people who went way
> in over their
>> heads because they had to "keep up with the Joneses" and now want to
>> blame someone else and want the government to bail them out. Either way,
>> this mess could all have been prevented with common sense, something that
>> seems to be sorely lacking these days.
>>
>> Marsha/Ohio
>>
>
>
Re: OT - Gas Tax Holiday
You're exactly right, Barb. Not only that, not everyone was fortunate
enough to be able to have their mortgages paid off before the "downsizing
mentality" kicked into gear. What then?
I, too, commend Phyllis on her financial prudence. I agree that there's an
awful lot of irresponsibility out there these days, but there are also a lot
of people out there who have made what they expected to be genuinely smart
financial moves and then had the bottom drop out from under them. They must
cringe every time someone goes on about people slacking on their
responsibilities!
Personally, I've decided that the American dream of being a homeowner is
highly overrated, for me at least. I'm content with renting and having a
landlord to call when the plumbing leaks! <G>
Anne
"Barbara Carlson" <bbcarlson@snappydsl . net > wrote in message
news:f7ednfU13cSf67nVnZ2dnUVZ_jqdnZ2d@tampabaydsl . com ...
> Phyllis, and I'm not saying this to criticize, because what you have done
> is the smart thing. We also bought a house we could afford, and we have
> no mortgage. However our property taxes have gone from I think it was
> $1,900 the first year to over $11,000 currently, and our insurance from a
> little over $2,000 to $9,000. All the planning and frugality didn't
> foresee that much change. We both have enough insurance to cover our
> burial. Houses can and will be foreclosed if you don't keep the taxes
> paid, so being mortgage free is not always the answer.
>
> Barb C.
> "Phyllis Nilsson" <phyllisnilsson@buckeye-express . com > wrote in message
> news:8eOdnYATv5b79bnVnZ2dnUVZ_t2inZ2d@buckeye-express . com ...
>> You're right. Common sense seems to be lacking in some people when it
>> comes to buying a house. We bought a house we could afford on one
>> paycheck even though we were both working. When Bror became ill, we
>> still managed, and before I was a subject of the "let's downsize"
>> mentality, our house was paid for. Our cars are paid for and we have no
>> debt. We just didn't buy what we couldn't afford, and we still don't.
>>
>> However, only one of our children has followed suit. His house is paid
>> for, his truck is paid for, and he also has no debt (age 51). He
>> recently told me how wonderful it feels to know debt isn't going to kick
>> him in the teeth.
>>
>> Our next expenditure is our funerals (grave lots are paid for) and we
>> have over half enough to prepay them for both of us. If neither of us
>> dies before next year, we'll be able to prepay them entirely. Thinking
>> ahead is a prerequisite to staying debt-free.
>>
>> "Marsha" <mas@xeb . net > wrote in message
>> news:g00d5j$enb$2@news.datemas.de...
>>>
>>>
>> Of course, the > other part of the problem is stupid people who went way
>> in over their
>>> heads because they had to "keep up with the Joneses" and now want to
>>> blame someone else and want the government to bail them out. Either
>>> way, this mess could all have been prevented with common sense,
>>> something that seems to be sorely lacking these days.
>>>
>>> Marsha/Ohio
>>>
>>
>>
>
>
You're exactly right, Barb. Not only that, not everyone was fortunate
enough to be able to have their mortgages paid off before the "downsizing
mentality" kicked into gear. What then?
I, too, commend Phyllis on her financial prudence. I agree that there's an
awful lot of irresponsibility out there these days, but there are also a lot
of people out there who have made what they expected to be genuinely smart
financial moves and then had the bottom drop out from under them. They must
cringe every time someone goes on about people slacking on their
responsibilities!
Personally, I've decided that the American dream of being a homeowner is
highly overrated, for me at least. I'm content with renting and having a
landlord to call when the plumbing leaks! <G>
Anne
"Barbara Carlson" <bbcarlson@snappydsl . net > wrote in message
news:f7ednfU13cSf67nVnZ2dnUVZ_jqdnZ2d@tampabaydsl . com ...
> Phyllis, and I'm not saying this to criticize, because what you have done
> is the smart thing. We also bought a house we could afford, and we have
> no mortgage. However our property taxes have gone from I think it was
> $1,900 the first year to over $11,000 currently, and our insurance from a
> little over $2,000 to $9,000. All the planning and frugality didn't
> foresee that much change. We both have enough insurance to cover our
> burial. Houses can and will be foreclosed if you don't keep the taxes
> paid, so being mortgage free is not always the answer.
>
> Barb C.
> "Phyllis Nilsson" <phyllisnilsson@buckeye-express . com > wrote in message
> news:8eOdnYATv5b79bnVnZ2dnUVZ_t2inZ2d@buckeye-express . com ...
>> You're right. Common sense seems to be lacking in some people when it
>> comes to buying a house. We bought a house we could afford on one
>> paycheck even though we were both working. When Bror became ill, we
>> still managed, and before I was a subject of the "let's downsize"
>> mentality, our house was paid for. Our cars are paid for and we have no
>> debt. We just didn't buy what we couldn't afford, and we still don't.
>>
>> However, only one of our children has followed suit. His house is paid
>> for, his truck is paid for, and he also has no debt (age 51). He
>> recently told me how wonderful it feels to know debt isn't going to kick
>> him in the teeth.
>>
>> Our next expenditure is our funerals (grave lots are paid for) and we
>> have over half enough to prepay them for both of us. If neither of us
>> dies before next year, we'll be able to prepay them entirely. Thinking
>> ahead is a prerequisite to staying debt-free.
>>
>> "Marsha" <mas@xeb . net > wrote in message
>> news:g00d5j$enb$2@news.datemas.de...
>>>
>>>
>> Of course, the > other part of the problem is stupid people who went way
>> in over their
>>> heads because they had to "keep up with the Joneses" and now want to
>>> blame someone else and want the government to bail them out. Either
>>> way, this mess could all have been prevented with common sense,
>>> something that seems to be sorely lacking these days.
>>>
>>> Marsha/Ohio
>>>
>>
>>
>
>
Re: OT - Gas Tax Holiday
You're absolutely right. No one can prepare for the eventuality of a city,
town, or village taxing people to the brink of foreclosure. It doesn't help
that the housing market is what it is at the moment either, making the
selling of land and/or house extremely difficult. It is a terrible
situation and a shame that something cannot be done to the "powers that be"
to make them justify every single increase they've made over the last 20
years. Taxes are supposed to represent fair market value, not how much it
takes to allow those in authority to continue making bad fiscal decisions
with taxpayer money. I sincerely hope they cut the value substantially. I
hate to see anyone lose the home they planned to live in forever.
"Barbara Carlson" <bbcarlson@snappydsl . net > wrote in message
news:f7ednfU13cSf67nVnZ2dnUVZ_jqdnZ2d@tampabaydsl . com ...
> Phyllis, and I'm not saying this to criticize, because what you have done
> is the smart thing. We also bought a house we could afford, and we have
> no mortgage. However our property taxes have gone from I think it was
> $1,900 the first year to over $11,000 currently, and our insurance from a
> little over $2,000 to $9,000. All the planning and frugality didn't
> foresee that much change. We both have enough insurance to cover our
> burial. Houses can and will be foreclosed if you don't keep the taxes
> paid, so being mortgage free is not always the answer.
You're absolutely right. No one can prepare for the eventuality of a city,
town, or village taxing people to the brink of foreclosure. It doesn't help
that the housing market is what it is at the moment either, making the
selling of land and/or house extremely difficult. It is a terrible
situation and a shame that something cannot be done to the "powers that be"
to make them justify every single increase they've made over the last 20
years. Taxes are supposed to represent fair market value, not how much it
takes to allow those in authority to continue making bad fiscal decisions
with taxpayer money. I sincerely hope they cut the value substantially. I
hate to see anyone lose the home they planned to live in forever.
"Barbara Carlson" <bbcarlson@snappydsl . net > wrote in message
news:f7ednfU13cSf67nVnZ2dnUVZ_jqdnZ2d@tampabaydsl . com ...
> Phyllis, and I'm not saying this to criticize, because what you have done
> is the smart thing. We also bought a house we could afford, and we have
> no mortgage. However our property taxes have gone from I think it was
> $1,900 the first year to over $11,000 currently, and our insurance from a
> little over $2,000 to $9,000. All the planning and frugality didn't
> foresee that much change. We both have enough insurance to cover our
> burial. Houses can and will be foreclosed if you don't keep the taxes
> paid, so being mortgage free is not always the answer.
Re: OT - Gas Tax Holiday
((We just didn't buy what we
couldn't afford, and we still don't. ))
Phyllis, I've lived that way all during my working career, and it was
difficult at times. That habit has stayed with me into my retirement
years where my income is very much less. The only thing I splurge now
on is cat food since they deserve the best I can give them.
I still remember lusting over a gorgeous ring with a lavender jade
center stone surrounded by diamond and amethyst gems. I saw this in a
jewelry store window display almost 20 years ago. The first time I
saw it, the sun was shining on the ring, making the entire ring glow.
Every day after that, once I saw the price tag of $2,000, I'd go by
the jewelry store and just stand by the window dreaming of owning that
ring.
Let's see! Ring---cats, pretty ring---purring cats. Which gives me
more enjoyment?
Judity
((We just didn't buy what we
couldn't afford, and we still don't. ))
Phyllis, I've lived that way all during my working career, and it was
difficult at times. That habit has stayed with me into my retirement
years where my income is very much less. The only thing I splurge now
on is cat food since they deserve the best I can give them.
I still remember lusting over a gorgeous ring with a lavender jade
center stone surrounded by diamond and amethyst gems. I saw this in a
jewelry store window display almost 20 years ago. The first time I
saw it, the sun was shining on the ring, making the entire ring glow.
Every day after that, once I saw the price tag of $2,000, I'd go by
the jewelry store and just stand by the window dreaming of owning that
ring.
Let's see! Ring---cats, pretty ring---purring cats. Which gives me
more enjoyment?
Judity
Re: OT - Gas Tax Holiday
Easy! The ring! <gdarfc>
--
Kathy
w w w .ambergriscaye . com /villadelsol
"Judity" <Judity01@aol . com > wrote in message
news:7ae04354-dd29-406c-80d2-413a3856c1f3@j33g2000pri.googlegroups . com ...
> ((We just didn't buy what we
> couldn't afford, and we still don't. ))
>
> Phyllis, I've lived that way all during my working career, and it was
> difficult at times. That habit has stayed with me into my retirement
> years where my income is very much less. The only thing I splurge now
> on is cat food since they deserve the best I can give them.
>
> I still remember lusting over a gorgeous ring with a lavender jade
> center stone surrounded by diamond and amethyst gems. I saw this in a
> jewelry store window display almost 20 years ago. The first time I
> saw it, the sun was shining on the ring, making the entire ring glow.
> Every day after that, once I saw the price tag of $2,000, I'd go by
> the jewelry store and just stand by the window dreaming of owning that
> ring.
>
> Let's see! Ring---cats, pretty ring---purring cats. Which gives me
> more enjoyment?
>
> Judity
Easy! The ring! <gdarfc>
--
Kathy
w w w .ambergriscaye . com /villadelsol
"Judity" <Judity01@aol . com > wrote in message
news:7ae04354-dd29-406c-80d2-413a3856c1f3@j33g2000pri.googlegroups . com ...
> ((We just didn't buy what we
> couldn't afford, and we still don't. ))
>
> Phyllis, I've lived that way all during my working career, and it was
> difficult at times. That habit has stayed with me into my retirement
> years where my income is very much less. The only thing I splurge now
> on is cat food since they deserve the best I can give them.
>
> I still remember lusting over a gorgeous ring with a lavender jade
> center stone surrounded by diamond and amethyst gems. I saw this in a
> jewelry store window display almost 20 years ago. The first time I
> saw it, the sun was shining on the ring, making the entire ring glow.
> Every day after that, once I saw the price tag of $2,000, I'd go by
> the jewelry store and just stand by the window dreaming of owning that
> ring.
>
> Let's see! Ring---cats, pretty ring---purring cats. Which gives me
> more enjoyment?
>
> Judity
Re: OT - Gas Tax Holiday
((Easy! The ring! <gdarfc>))
Let's see, Kathy, if I can translate gdarfc: Groaning dramatically and
regurgitating frozen cucumbers.
Am I close?
Judity
((Easy! The ring! <gdarfc>))
Let's see, Kathy, if I can translate gdarfc: Groaning dramatically and
regurgitating frozen cucumbers.
Am I close?
Judity
Re: OT - Gas Tax Holiday
close enough.
--
Kathy
w w w .ambergriscaye . com /villadelsol
"Judity" <Judity01@aol . com > wrote in message
news:04a579bf-05eb-4a74-96b3-40e6421525d7@k1g2000prb.googlegroups . com ...
> ((Easy! The ring! <gdarfc>))
>
> Let's see, Kathy, if I can translate gdarfc: Groaning dramatically and
> regurgitating frozen cucumbers.
>
> Am I close?
>
> Judity
close enough.
--
Kathy
w w w .ambergriscaye . com /villadelsol
"Judity" <Judity01@aol . com > wrote in message
news:04a579bf-05eb-4a74-96b3-40e6421525d7@k1g2000prb.googlegroups . com ...
> ((Easy! The ring! <gdarfc>))
>
> Let's see, Kathy, if I can translate gdarfc: Groaning dramatically and
> regurgitating frozen cucumbers.
>
> Am I close?
>
> Judity
Re: OT - Gas Tax Holiday
Just talked to a dear friend this morning and we were dicussing living on
retirement income. She says her splurge is still getting her hair done once
a week. Up until recently, my splurge was yarn for indigent school kids and
the homeless; now I have enough to get me through this next winter.
I'll bet your cats love you a lot more than that ring would have.
"Judity" <Judity01@aol . com > wrote in message
news:7ae04354-dd29-406c-80d2-413a3856c1f3@j33g2000pri.googlegroups . com ...
> ((We just didn't buy what we
> couldn't afford, and we still don't. ))
>
> Phyllis, I've lived that way all during my working career, and it was
> difficult at times. That habit has stayed with me into my retirement
> years where my income is very much less. The only thing I splurge now
> on is cat food since they deserve the best I can give them.
>
> I still remember lusting over a gorgeous ring with a lavender jade
> center stone surrounded by diamond and amethyst gems. I saw this in a
> jewelry store window display almost 20 years ago. The first time I
> saw it, the sun was shining on the ring, making the entire ring glow.
> Every day after that, once I saw the price tag of $2,000, I'd go by
> the jewelry store and just stand by the window dreaming of owning that
> ring.
>
> Let's see! Ring---cats, pretty ring---purring cats. Which gives me
> more enjoyment?
>
> Judity
Just talked to a dear friend this morning and we were dicussing living on
retirement income. She says her splurge is still getting her hair done once
a week. Up until recently, my splurge was yarn for indigent school kids and
the homeless; now I have enough to get me through this next winter.
I'll bet your cats love you a lot more than that ring would have.
"Judity" <Judity01@aol . com > wrote in message
news:7ae04354-dd29-406c-80d2-413a3856c1f3@j33g2000pri.googlegroups . com ...
> ((We just didn't buy what we
> couldn't afford, and we still don't. ))
>
> Phyllis, I've lived that way all during my working career, and it was
> difficult at times. That habit has stayed with me into my retirement
> years where my income is very much less. The only thing I splurge now
> on is cat food since they deserve the best I can give them.
>
> I still remember lusting over a gorgeous ring with a lavender jade
> center stone surrounded by diamond and amethyst gems. I saw this in a
> jewelry store window display almost 20 years ago. The first time I
> saw it, the sun was shining on the ring, making the entire ring glow.
> Every day after that, once I saw the price tag of $2,000, I'd go by
> the jewelry store and just stand by the window dreaming of owning that
> ring.
>
> Let's see! Ring---cats, pretty ring---purring cats. Which gives me
> more enjoyment?
>
> Judity
Re: OT - Gas Tax Holiday
"Phyllis Nilsson" <phyllisnilsson@buckeye-express . com > wrote in
news:8eOdnYATv5b79bnVnZ2dnUVZ_t2inZ2d@buckeye-express . com :
> You're right. Common sense seems to be lacking in some people when it
> comes to buying a house. We bought a house we could afford on one
> paycheck even though we were both working. When Bror became ill, we
> still managed, and before I was a subject of the "let's downsize"
> mentality, our house was paid for. Our cars are paid for and we have
> no debt. We just didn't buy what we couldn't afford, and we still
> don't.
and there are MANY people here who have property that is PAID FOR and they
are losing it but not becuase they are irresponsible or didn't live within
their means. They saved for their future and now their property taxes cost
more than they can afford. These people planned for their future and
worked damned hard to be debt free yet they still are losing their property
because they cannot afford the property taxes.
"Phyllis Nilsson" <phyllisnilsson@buckeye-express . com > wrote in
news:8eOdnYATv5b79bnVnZ2dnUVZ_t2inZ2d@buckeye-express . com :
> You're right. Common sense seems to be lacking in some people when it
> comes to buying a house. We bought a house we could afford on one
> paycheck even though we were both working. When Bror became ill, we
> still managed, and before I was a subject of the "let's downsize"
> mentality, our house was paid for. Our cars are paid for and we have
> no debt. We just didn't buy what we couldn't afford, and we still
> don't.
and there are MANY people here who have property that is PAID FOR and they
are losing it but not becuase they are irresponsible or didn't live within
their means. They saved for their future and now their property taxes cost
more than they can afford. These people planned for their future and
worked damned hard to be debt free yet they still are losing their property
because they cannot afford the property taxes.
Re: OT - Gas Tax Holiday
Yes, and what people are not even talking about--property taxes are more
than 5x greater than they were when we bought out property, and our house is
uninsurable at an affordable rate. They want a $9,000 premium, will not
insure it for less than $400,000 (which is out of range) and there is a 10%
deductible for wind damage. Hurricane Andrew did NOT do $40,000 worth of
damage to our house.
We bought our house for $250,000 which we could afford. It is now assessed
(and we have made no major improvements for $1,200,000. We could not sell
it for that, and we cannot afford a house of that value. So, we have been
forced into trying to sell some of our land, even though we do not want to,
and at a time when values have dropped dramatically. We are fighting the
assessment, but even if they drop it drastically we can't afford it.
I am quite frankly bitter and depressed. We have worked hard all our lives
and it seems we are losing it. We don't want to move, but we may be forced
to.
The only way our government (remember the government is US) can finance any
of the things it has spent, or is promising, is to sell off more our country
to foreigners.
I'm glad I have no grandchildren.
Barb C.
"Jeannie" <jwilson421@comcastspamkills . net > wrote in message
news:Xns9A98776E22165jwilson421comcastnet@216.196.97.136...
> Marsha <mas@xeb . net > wrote in news:fvthg2$tg4$1@news.datemas.de:
>
>> We can thank people like Obama for helping to create the current mortage
>> crisis through the "Community Reinvestment Act.", which forced banks to
>> make loans to people who were poor credit risks.
>
> I highly doubt that is the sole reason for the country's current mortgage
> crisis. I know of many people, in modest houses, who made PLENTY of money
> and were at no credit risk until they were the victim of lay-offs or
> firing
> due to outsourcing and wound up with no benefits, no income, NOTHING, who
> have had their cars repossessed, their houses are in foreclosure, etc.
> Those people, who have been self-sufficient their entire lives as working
> members of the community, working hard to keep and maintain their credit
> score are now going to be considered poor credit risks. IMO, that's one
> of
> the main reasons why the country is in a mortgage crisis - layoffs,
> offshoring work, etc.- that and gas costs an arm and a leg, food is now
> costing an arm and a leg, and the medical costs our astronomical even for
> those who are fortunate enough to have insurance through their employer.
> Obama isn't to blame for those - at least not all by himself.
Yes, and what people are not even talking about--property taxes are more
than 5x greater than they were when we bought out property, and our house is
uninsurable at an affordable rate. They want a $9,000 premium, will not
insure it for less than $400,000 (which is out of range) and there is a 10%
deductible for wind damage. Hurricane Andrew did NOT do $40,000 worth of
damage to our house.
We bought our house for $250,000 which we could afford. It is now assessed
(and we have made no major improvements for $1,200,000. We could not sell
it for that, and we cannot afford a house of that value. So, we have been
forced into trying to sell some of our land, even though we do not want to,
and at a time when values have dropped dramatically. We are fighting the
assessment, but even if they drop it drastically we can't afford it.
I am quite frankly bitter and depressed. We have worked hard all our lives
and it seems we are losing it. We don't want to move, but we may be forced
to.
The only way our government (remember the government is US) can finance any
of the things it has spent, or is promising, is to sell off more our country
to foreigners.
I'm glad I have no grandchildren.
Barb C.
"Jeannie" <jwilson421@comcastspamkills . net > wrote in message
news:Xns9A98776E22165jwilson421comcastnet@216.196.97.136...
> Marsha <mas@xeb . net > wrote in news:fvthg2$tg4$1@news.datemas.de:
>
>> We can thank people like Obama for helping to create the current mortage
>> crisis through the "Community Reinvestment Act.", which forced banks to
>> make loans to people who were poor credit risks.
>
> I highly doubt that is the sole reason for the country's current mortgage
> crisis. I know of many people, in modest houses, who made PLENTY of money
> and were at no credit risk until they were the victim of lay-offs or
> firing
> due to outsourcing and wound up with no benefits, no income, NOTHING, who
> have had their cars repossessed, their houses are in foreclosure, etc.
> Those people, who have been self-sufficient their entire lives as working
> members of the community, working hard to keep and maintain their credit
> score are now going to be considered poor credit risks. IMO, that's one
> of
> the main reasons why the country is in a mortgage crisis - layoffs,
> offshoring work, etc.- that and gas costs an arm and a leg, food is now
> costing an arm and a leg, and the medical costs our astronomical even for
> those who are fortunate enough to have insurance through their employer.
> Obama isn't to blame for those - at least not all by himself.
