Imagin.ation
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« Reply #15 on: December 20, 2009, 09:58:36 PM » |
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Then why even bother with credit? Credit is depending on future.. Future depends on us Paying our bills and getting that a1 credit is a goal we work for.. We can't always just think something like that is going to happen, we think it will not happen, it does and we end in debt with fees fees fees, who gets those fees, what are they for, we just take it for granted and figure 200.00 in fees is for paperwork, processing, and to hear someone call us up with if you pay 1000.00 now on a card you only used 500.00 in real credit it will bring you just below the deep end of the water, cards are frozen you can't use them any longer, but you are continueing with bookoo fees.. The credit thing is crazy and out of control, why is it..? Credit depends on future, future depends on keeping your job and paying the bills, paying the bills gives you credit and a future. The cycle.. we need to recycle our own systems..
P.S. I myself have been in the situation, luckily i got out of debt, but i have a friend that is in misery, and she was way well off then i was..
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« Last Edit: December 20, 2009, 10:01:07 PM by Imagin.ation »
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lipstick_xoxos
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« Reply #16 on: December 20, 2009, 10:28:55 PM » |
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I think the problem with our country is we have no choice but to have credit card debt. Want to buy a house? Ya better have a credit card. Want to buy a new car? Ya better have a credit card. Want to rent a movie........reserve a hotel room.....rent a car....... Ya better have a credit card.
We are conditioned to believe that the only way to survive is to have credit card debt. I know when i paid off my credit card debt i was adviced to keep charging!! Why? To keep a credit history. Without a credit history your a good as dead in the water as far as making a major purchase.
This is why we are in the condition we are in. The government shoves down our throats to charge charge charge!! We are not given a choice......where is the freedom in that?
Lips
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nalgenie
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« Reply #17 on: December 20, 2009, 10:57:33 PM » |
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One of my casinos just offered me $5000. in credit.... What the heck do you think of that?? Talk about the downfall of America.
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Money talks...and mine says goodbye!
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louiseff
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« Reply #18 on: December 20, 2009, 11:00:38 PM » |
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I have found that the American dream has changed from when the founders fought to create this country that their fight was basically for the greater good of all. In today's society it is for the greater good of oneself. Let your neighbor suffer as long as you are not. It's now what can "I" achieve not what can we achieve. Just recently, I was talking , more like arguing with my 19 year old nephew and his girlfriend about this sort of thing. What really hit me was their beliefs that their rights in this country is to live the dream by only worrying about themselves and if people are losing their jobs its not their problem those people should go get another or two jobs or even three if they have to to support their families. Those peoples misfortunes are their own problems not theirs. This is where our country is going wrong.People need to stop only thinking of their own survival and others dint matter. Too many times people like that get into high positions like CEO's. People who take what they need or want and dint care about the people who work for them. Greed runs this country not the people. Wars are created to make money, people are laid off to assure the greedy ones get theirs, insurance companies deny to keep cash flowwing, and yes banks create credit cards to charge their interest for their upper management. If you seen all CEO's live with 30% less than what they get, there would be more people working and making better money
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Imagin.ation
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« Reply #19 on: December 20, 2009, 11:05:12 PM » |
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Credit is the future, it depends on it.. We cannot predict the future, therefore.. Credit is not some kind of nestegg we work our butts off to have, credit takes our future and flushes our life away. Credit is the working persons prison.. you are marked for it. We have no choice.. this cycle we are stuck in so why penalize those that cannot pay do to job loss or anything else unpredictable, credit wants us to default? Is it expected?
Louiseff.. you are right GREED and FEEEEEES!!!
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« Last Edit: December 20, 2009, 11:06:54 PM by Imagin.ation »
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The Mind Doc
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« Reply #20 on: December 21, 2009, 07:19:08 AM » |
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Louiseff. I have to agree with you 100% on the greed point! I think a big part of the current economic problem stems from greed.
Now, where I might diverge a bit from your point is your quickness to blame CEOs. Yes, some have been greedy, greedy, greedy. But MORE people were greedy and bought houses they could not afford, or took out lines of credit they could not afford. Yes, the banks gave those loans out (the idiots!) but people are not mindless creatures. Good decisions have to be made.
Thanks to people like Dictator Obama, we have a blame game going on focusing on a few greedy CEOS. Where is the accountability for average citizens living within their means? Where is the accountability of our government borrowing trillions of dollars? Even if we taxed the "greedy CEOs" at 90% the revenue would be a drop in the sea compared to the trillions in debt we are racking up.
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mariannalee
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« Reply #21 on: December 21, 2009, 07:30:37 AM » |
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YOU GUYS.....THIS IS NOT A DEBATE!!!! WE AGREE TOO MUCH!!!! LMAO!! Do you See What This Means?  ? Why does the average " joe ", the working stiff get it and the rest of the world...not  And why is it our voice really IS NOT heard in Washington. I know I'm gonna sound a bit loony here...but this is exactly what they wanted all along. The american people, too busy to take part, too busy to fight them, too busy and too tired to right the wrongs!! The american family is too busy fighting for it's own survival that the government has ceased to be " we, the people..." for quite some time. The minute we go outside our own little fantasy circle net of family and friends we feel over come by the truth and the reality of what governement has done to this country and we feel powerless. Vote, vote they say, if you want to make a difference. Maybe once that was true. It's poppycock now. You vote for someone based on the picture a campaign paints for us and then they go to Washington and do whatever the hell they want, make deals, trade votes, deal in the back rooms and do the silent hand shakes across bathroom urinals...
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mariannalee
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« Reply #22 on: December 21, 2009, 07:39:06 AM » |
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I can remember about fifteen years ago, some developer put in a brand new middle to upper class subdivision across the way from we we were living out in the boon docks.
Beautiful, huge, lovely homes.
A year or so later it struck me how quickly it had filled up...every single house sold. A whole new little neighborhood.
And you know what...it didn't take me long after that to realize...these beautiful family homes were all dark at night. Dark and empty...until 7 & 8 o'clock at night!!
The families weren't living in them....they were out working for them...Working their asses off so what...on the weekends they could " live in these houses...."
They looked sadly like lines of lovely little doll houses who's child had out grown them and left them dark and empty.
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Imagin.ation
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« Reply #23 on: December 21, 2009, 04:38:52 PM » |
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If our legistrators, CEOS, presidents, and who ever else is up their collar in our government with their undeserved wages, took just a half of wage cut, gave that half back to america, and paid proper taxes (ahem) it could probably settle half our debt  Bring them to our level, let them see what it is REALLY like.
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louiseff
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« Reply #24 on: December 21, 2009, 05:01:54 PM » |
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My mom always told me history repeats itself. Dig into the history of the world and look at all sides of governments, wars, buisness. You will see these problems we face are not the first but the first for OUR generation. Same problems just a different year. We humans are destined to repeat our mistakes no matter how much lower class humans scream, vote and protest.
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louiseff
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« Reply #25 on: December 21, 2009, 05:04:46 PM » |
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Louiseff. I have to agree with you 100% on the greed point! I think a big part of the current economic problem stems from greed.
Now, where I might diverge a bit from your point is your quickness to blame CEOs. Yes, some have been greedy, greedy, greedy. But MORE people were greedy and bought houses they could not afford, or took out lines of credit they could not afford. Yes, the banks gave those loans out (the idiots!) but people are not mindless creatures. Good decisions have to be made.
Thanks to people like Dictator Obama, we have a blame game going on focusing on a few greedy CEOS. Where is the accountability for average citizens living within their means? Where is the accountability of our government borrowing trillions of dollars? Even if we taxed the "greedy CEOs" at 90% the revenue would be a drop in the sea compared to the trillions in debt we are racking up.
Im sorry but do you not remember Bush borrowed money for a war? Obama borrows for the people! HHHHMMMM! Big difference there. Dont believe me about Bush? Check your history! Also the projected debt would be gone by this year and Bush led us into the highest debt we have seen since Reagan. So when you start in debt for a war that didnt make money like Bush had planned unfortunatly you have to borrow to save people who are suffering. Even if it means bailing out banks and car companies so more people dont lose their homes and their jobs. It was for the good of THE PEOPLE.
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« Last Edit: December 21, 2009, 05:13:50 PM by louiseff »
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« Reply #26 on: December 21, 2009, 05:48:51 PM » |
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Louiseff....well....keep in mind, I am no Bush fan! He was an economy wrecker, too. I blame him as much as Obama. So, the old "Bush was WORSE" is pretty moot.
Bush's largest deficit was $400 billion.....which is TOO high. Obama = $1.4 trillion.
One is hard pressed to find anyone Obama's wild borrowing and spending have benefited, save Wall Street firms and assorted government workers.
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« Reply #27 on: December 21, 2009, 05:54:54 PM » |
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Imagination.... If we took 90% of all CEOs pay in tax, it would be TINY compared to the deficit that Dictator Obama is racking up.
Under Obama you will: Be paying for taxes and fees. Be paying more for energy. More for health insurance. Rationed health care.
And Obama said unemployment would stop at 8% under his WONDERFUL Stimulas package. Hmmmm...its 10% now with no end in sight.
Already tires cost more for your car, up 20% due to Obama's direct policy. Just tires, yes, but a herbinger of things to come.....
Keep buying gold, folks. The Obama Depression is coming. And folks, I am a Democrat! lol
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bigjay36
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« Reply #28 on: December 21, 2009, 07:16:49 PM » |
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i don't want to get in a big thing with anyone , but drpsyce38 it sounds to me like you don't have the complete story but just partial facts . And your using parts to try to make your argument . Now that being said I'm not pro Bush or Obama . Yes when Bush left office there was a debt of 400 billion , but that's not all that was left during his term is when all the bad mortgages were handed out . which led to a globale recession . Now Obama comes along and he has to try to stimulate the economy so the money he puts in would have had to be done by anyone else in his position . Now I'm not saying the way he is trying stimulate the economy is right . I believe he's f***d up big . But there hasn't been enough time gone by yet to see the full affect of his stimulate package .
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« Last Edit: December 22, 2009, 05:09:14 AM by Zuga »
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« Reply #29 on: December 21, 2009, 07:34:43 PM » |
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bigjay....good points.
But, there is little evidence the Stimulus has done much of anything. What measurable has been stimulated? Even a little bit? One would think dumping billions into the economy, even in one year's time, would have an immediate up-tick SOMEWHERE. What has blipped up, even in the slightest?
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