Fuck The American Dream Before It Fucks You

[Kristy]

http://www.businessinsider.com/americans-live-on-the-edge-of-financial-ruin-cfed-report-2013-2

"A sobering new report (http://assetsandopportunity.org/assets/pdf/2013_Scorecard_Report.pdf) by the Corporation for Enterprise Development shows nearly half of U.S. households (132.1 million people) don't have enough savings to weather emergencies, or finance long-term needs like college tuition, health care and housing."

Now you would think this applies to many of you failed losers/musicians but ...even those who actually work for a living:

"More than one-quarter of households earning $55,465-$90,000 annually have less than three months of savings.

And another quarter of households are considered net worth asset poor (http://scorecard.assetsandopportunity.org/2013/measure/asset-poverty-rate), "meaning that the few assets they have, such as a savings account or durable assets like a home, business or car, are overwhelmed by their debts," the study says."




https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcSlGDmzDilc406AaKmnXi2_lKvRWOWkB WfS14YXkK0F4qqaqB8H

I'llbe seeing you all in the FEMA camps soon.
:behindsofa:

[Kristy]

What I found to be amazing is a side article to that story where the top ten states in near financial ruin are mainly red states

1. Louisiana
2. Arizona
3. New Mexico
4. Tennessee
5. North Carolina
6. Arkansas
7. Florida
8.Mississippi (surprised that state isn't #1)
9. Georgia
10. Nevada

The quality of life rapidly diminishing every day even for those who could once afford it.

[clarathecarrot]

That is a better average than 82% of the rest of the world.

That is why the american dream is a dream of all people started thousands of years ago..it will never die.

[FORD]

Thousands of years ago???

Yeah, put down the crack pipe.

[Kristy]

...and then there is this story to fuel Elvis paranoia further:


http://theintelhub.com/2013/02/02/ctc-says-opposition-to-a-new-world-order-is-terrorist-activity/

The New World Order will come. Oh yes!

[Nitro Express]

Dreams are dreams and reality is reality. Why the United States achieved the largest standard of living in world history is our constitutional government allowed individuals the freedom to pursue their own dreams. It got rid of a ruling class and gave the power to the people. If you have good people who want very little from the government what was the so called American Dream becomes reality. What has happened is we have passively allowed the ruling class to come back. We allowed the elite to divide us into competing groups, we got distracted by entertainment, we got into our own pursuits and failed to pay attention to what our leaders were doing, or we just wanted something from the government and could care less what the long-term end result would be.

The problem with a high standard of living is usually the next generations get dumb and lazy and squander not only the wealth but their freedom. This is nothing new, it's happened before and who's to blame is the people themselves. There will always be con artists and opportunists. There will always be power hungry psychopaths. If you don't stay on top of what is going on in your government or research who's on the ballot, they will take over your government.

"How fortunate for politicians that the public does not think." --Adolf Hitler--

[FORD]

https://www.youtube.com/watch?v=utvQERML6t8

[DLR Bridge]

And another quarter of households are considered net worth asset poor (http://scorecard.assetsandopportunity.org/2013/measure/asset-poverty-rate), "meaning that the few assets they have, such as a savings account or durable assets like a home, business or car, are overwhelmed by their debts," the study says."

This failed musician resides in this category.

Ain't we lucky we got'em.... good times.

[jhale667]

Kenny/Krust has less than even the "failed musicians" "she" rails against...

[Nitro Express]

What's funny is the black plague actually caused the renniancance. It killed off enough of the ruling class that the people were given more freedom and once motivated people have the freedom to think and persue their dreams freely new inventions and discovery come forth. Once you have a ruling class that dictates every move, shoots down anything that threatens their power structure, and smothers the public in endless regulations and laws, the average person lives a pretty shitty life. Think about that the next time you want to give your responsibility over to someone else or want more laws because they sound good.

[Nitro Express]

The reason the average American has no savings is they didn't save. They ran up huge debts instead of taking 10-20% of their paycheck and putting it away for a rainy day. Now if you saved and the bank stole your money (MF Global) that's a different story. But Americans for the most part didn't save their money in the good times. They bought things on credit they shouldn't have and instead of earning interest they paid it until they couldn't make the payments anymore.

[jhale667]

Nice generalization, but the truth is most people don't MAKE enough to save 10-20% per paycheck these days. Even those who don't rack up huge credit card debt.

[DLR Bridge]

The reason the average American has no savings is they didn't save. They ran up huge debts instead of taking 10-20% of their paycheck and putting it away for a rainy day. Now if you saved and the bank stole your money (MF Global) that's a different story. But Americans for the most part didn't save their money in the good times. They bought things on credit they shouldn't have and instead of earning interest they paid it until they couldn't make the payments anymore.

Well, this "average American" has been hit with more rainy days up front than I ever had time to prepare for. Not all folks with debt got that way by mishandling their paychecks.

[DLR Bridge]

Nice generalization, but the truth is most people don't MAKE enough to save 10-20% per paycheck these days. Even those who don't rack up huge credit card debt.

Gas, food, insurance, overall cost of living has gone through the roof in the last 5 years alone. My last raise was 5 years ago. Been working odd jobs to supplement my income. Savings, at the moment, is a dream. The check comes in and poof, it's gone.

[Nitro Express]

Gas, food, insurance, overall cost of living has gone through the roof in the last 5 years alone. My last raise was 5 years ago. Been working odd jobs to supplement my income. Savings, at the moment, is a dream. The check comes in and poof, it's gone.

Hows that hope and change working for you?

[jhale667]

Hows that hope and change working for you?

Sounds just as idiotic coming from Sarah Palin. And about as reality-based.

[Nitro Express]

Nice generalization, but the truth is most people don't MAKE enough to save 10-20% per paycheck these days. Even those who don't rack up huge credit card debt.

They didn't save when the money was easy and the costs were less. I always put at least 10% of my paycheck away my whole life. Yeah it's raining. These are the times you save for. Some people wasted their money and not only didn't save but ran up debt they still are paying. Now if your money got stolen by the banks the that's a different story.

[jhale667]

Costs may have been slightly less, but when was it easy? Stop being so presumptious.

[Nitro Express]

Sounds just as idiotic coming from Sarah Palin. And about as reality-based.

Sarah Palin never ran up over a trillion dollars of debt a year. She never continued the bankers bailout nor did she continue the overseas wars. She never gave us Obamacare which will result in more jobs and benefits going away. Manage a payroll sometime buddy and maybe you will have some reality in your life. Sarah Palin had nothing to do with running the country the last four years.

Frankly I prepared myself for the bad times. I'm sorry many didn't. Wake up dude. Most the politicians are corrupt and they don't give a fuck about you. Many of you liberals are going to get a hard lesson on that in the near future.

[FORD]

Hows that hope and change working for you?

All those prices went through the roof because of the Chimp and his wars.

If Obama is guilty of anything, it's not putting people in charge of the economy who would do the right thing and fix the goddamn problem. But only a fucking idiot or a liar would claim this bullshit started in 2009.

[jhale667]

Nyquil's the one that needs to "wake up" and turn of FAUX, ffs... seriously turning into teabilly talking point central.

[DLR Bridge]

They didn't save when the money was easy and the costs were less.

Good f'ing grief. This is where I say goodbye to a thread I probably should've left alone in the first place.

[jhale667]

Good f'ing grief. This is where I say goodbye to a thread I probably should've left alone in the first place.

Yeah, you know the teabilly "taker" shit is gonna start up at any second...

[Nitro Express]

Costs may have been slightly less, but when was it easy? Stop being so presumptious.

If you couldn't earn money in the 1990's, I'm sorry, you must have been living under a rock.

[jhale667]

Again, Captain Presumption - we're talking about saving, not earning. Yeah, I made money in the late 90s, had just as much if not more overhead.. and the "rainy day" fund got diminished due to music industry downsizing. Plus last time I checked the cost of living was a little higher in L.A. than it is in Jackson Hole...

[FORD]

Yeah, you know the teabilly "taker" shit is gonna start up at any second...

There are times when I think maybe letting the Confederacy go might be a good idea. Let them live in their fucking Randtard theocracy "paradise" (without leeching taxpayer money from the blue states) and see how long that takes them before they're begging for a US government invasion/bailout.

(never mind that these fools seem to think they can mix theocracy with Rand who literally hated anything that had to do with God or religion)

[Nitro Express]

Well sitting here all day on the internet bullshitting isn't going to fix any of your problems. Neither is calling people names or blaming people who had nothing to do with them going to fix anything. Looks like we are in the early stages of blame the scape goat stage.

[DLR Bridge]

Again, Captain Presumption - we're talking about saving, not earning. Yeah, I made money in the late 90s, had just as much if not more overhead.. and the "rainy day" fund got diminished due to music industry downsizing. Plus last time I checked the cost of living was a little higher in L.A. than it is in Jackson Hole...

I spent the 90's working a semi-decent management job while busting my ass on nights and weekends trying to make a band my livelihood. American dreams don't always work out. And yeah, my congested little state has always been an obnoxiously expensive place to live.

[Nickdfresh]

The reason the average American has no savings is they didn't save. They ran up huge debts instead of taking 10-20% of their paycheck and putting it away for a rainy day. Now if you saved and the bank stole your money (MF Global) that's a different story. But Americans for the most part didn't save their money in the good times. They bought things on credit they shouldn't have and instead of earning interest they paid it until they couldn't make the payments anymore.

This is nothing new, Americans have traditionally had a lower savings rate than say--the Japanese. The easing of credit since the 1970's hasn't helped that when people used to save up of a big down payment of major purchases like cars...

[Nitro Express]

Again, Captain Presumption - we're talking about saving, not earning. Yeah, I made money in the late 90s, had just as much if not more overhead.. and the "rainy day" fund got diminished due to music industry downsizing. Plus last time I checked the cost of living was a little higher in L.A. than it is in Jackson Hole...

Yeah. Our cost of living is less because we don't have to pay for the big bloated do good political machine. You guys are the third largest oil producer in the nation and still are in junk bond status. You should have the largest budget surplus in the nation but all your do good politicians kind of fleeced you.

[jhale667]

Well sitting here all day on the internet bullshitting isn't going to fix any of your problems. Neither is calling people names or blaming people who had nothing to do with them going to fix anything. Looks like we are in the early stages of blame the scape goat stage.

Dude, seriously - get over yourself. I'm bullshitting with you on the internet while I'm WORKING - to solve my problems (what the fuck else am I gonna do while I'm chained to a desk for the next 4 hours). I'm not blaming or scapegoating anyone, but I AM calling you out for your bullshit FAUXian talking point crap, which is all that shit is. That's not name-calling, it's a statement of FACT. Sometimes the American Dream doesn't work out the way you plan it whether you bust your ass or not.

[clarathecarrot]

That is a better average than 82% of the rest of the world.

That is why the american dream is a dream of all people started thousands of years ago..it will never die.





Thousands of years ago???

Yeah, put down the crack pipe.

OK FORD let me make what appears clear to everyone else long and simple for you.

The American Dream started 10's of THOUSANDS of years ago as the finest ideals of creating a society that furthurs individual rights to exist in a physical world and co-exist with others towards and mutual safe and contented manner.

The strife and tribulation of life is the meaning of life, the American Dream is the continuation of all of the thousands of years and millions of people who gave their lives to make a better life for themselves and in doing so not live off the backs of others .

Some people who live in todays society seem to think the American Dream started in, 1776..or in 1490 or is what is happening right now.

This seems to be your take on things..^ ( last sentence)

It isn't, it is the best of the history of mankind working towards a goal started when the first man walked across the field looking for a better life.

He wasn't running away he was looking towards the future.

There are people who want to stop that.

Destroy the best of mankind..they will not it is to late for them.

The American Dream will never die.

[FORD]

Yeah. Our cost of living is less because we don't have to pay for the big bloated do good political machine. You guys are the third largest oil producer in the nation and still are in junk bond status. You should have the largest budget surplus in the nation but all your do good politicians kind of fleeced you.

Wrong again.

What "fleeced" California (and the same thing has happened here in Washington state) is that you have right wing assholes who put a ballot measure out there with clever ballot titles like "lower taxes" (or license tab fees or whatever) and the goddamned "low information voters" (FAUX/Limbaugh fan morons) vote for it without giving one fucking second worth of consideration as to WHAT those taxes actually pay for.

When you have more people in your state, it costs more to keep the infrastructure running. And that money has to come from somewhere. If the ability to pay for it gets disrupted by arrogance of right wing and endorsed by the willfully ignorant, then shit doesn't get done, and the state falls apart.

Taxes and civil rights are two things that should never be up to a public vote.

[Kristy]

I spent the 90's working a semi-decent management job while busting my ass on nights and weekends trying to make a band my livelihood. American dreams don't always work out. And yeah, my congested little state has always been an obnoxiously expensive place to live.

Don't know if you're tying to be honest, cynical or both. The American Dream is a long forgotten myth. Used to be said the race is won by the willing, now it is won by the rich. Want to buy a house? Forget it. Want to but a new(er) car? You can forget that, too. Just the insurance alone on both is enough to drive anyone to the poor house. Want go to college? Unless you've been saving since the day you were born you can wipe that off the map as well.

Of course, al the Rethugs will say this is "socialism" when in reality its capitalism run amok.

I like your failed musician avatar by the way.

[Nitro Express]

Dude, seriously - get over yourself. I'm bullshitting with you on the internet while I'm WORKING - to solve my problems (what the fuck else am I gonna do while I'm chained to a desk for the next 4 hours). I'm not blaming or scapegoating anyone, but I AM calling you out for your bullshit FAUXian talking point crap, which is all that shit is. That's not name-calling, it's a statement of FACT. Sometimes the American Dream doesn't work out the way you plan it whether you bust your ass or not.

Why we have problems is we lost control of our government. We let the banks take it over. Are there ways to fix it? Yes. We need to reinstate Glass Stegal and nationalize the Federal Reserve. A lot of this debt we can write off as fraudulent once that happens. So don't think it's all over and it's not going to get better. That is what they want us to think. Finance is deciding what you want the future to be. We need to look ahead at what we want and then set a monetary number to it and issue that many dollars. Then tie them with a certain percentage of gold to keep someone from coming in later and diluting the currency.

The problem is the large banks and the war industry. I just got done figuring what I owe on my 2012 federal income taxes. 54 cents of every dollar I pay in that tax will go to the Department of Defense. So what we need to do is find a way to create jobs there without having to have a war going all the time. Lot's of things we can do but we aren't going to do it by yelling at each other are we? The people in control want us to do that.

California is a beautiful state. One of my favorites actually but it's just been horribly mismanaged over the years and frankly I think it was intentionally sunk so it could be bought up cheap later. I have hope. There are some really smart people who know what the problems are and there are solutions but it's going to take time. Most the dollars in the world are owned by foreigners. They don't want to see us go down. They would like to see the American Dream come back. They would love to see the end of us running our military all over the globe and frankly, it's time to come home, have enough defense to keep us safe and do something else with that money.

Most people sit on the wall. As long as you have a small motivated group that still cares, things still can change. Believe me, plenty of us want to bring the American Dream back. In fact, make it better.

[DLR Bridge]

Don't know if you're tying to be honest, cynical or both.
...I like your failed musician avatar by the way.

Both with some personal accountability and thanks. I like to think of myself as a 'failed but not dead yet' musician.

[Nickdfresh]

http://www.businessinsider.com/americans-live-on-the-edge-of-financial-ruin-cfed-report-2013-2

"A sobering new report (http://assetsandopportunity.org/assets/pdf/2013_Scorecard_Report.pdf) by the Corporation for Enterprise Development shows nearly half of U.S. households (132.1 million people) don't have enough savings to weather emergencies, or finance long-term needs like college tuition, health care and housing."

Now you would think this applies to many of you failed losers/musicians but ...even those who actually work for a living:

"More than one-quarter of households earning $55,465-$90,000 annually have less than three months of savings.

And another quarter of households are considered net worth asset poor (http://scorecard.assetsandopportunity.org/2013/measure/asset-poverty-rate), "meaning that the few assets they have, such as a savings account or durable assets like a home, business or car, are overwhelmed by their debts," the study says."




https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcSlGDmzDilc406AaKmnXi2_lKvRWOWkB WfS14YXkK0F4qqaqB8H

I'llbe seeing you all in the FEMA camps soon.
:behindsofa:



Oh snap!

[Nitro Express]

Don't know if you're tying to be honest, cynical or both. The American Dream is a long forgotten myth. Used to be said the race is won by the willing, now it is won by the rich. Want to buy a house? Forget it. Want to but a new(er) car? You can forget that, too. Just the insurance alone on both is enough to drive anyone to the poor house. Want go to college? Unless you've been saving since the day you were born you can wipe that off the map as well.

Of course, al the Rethugs will say this is "socialism" when in reality its capitalism run amok.

Actually it's fascism which is when the corporations buy the government. We really had a dual system. Socialism built the roads and maintained them unless you had toll road and capitalism gave us a lot of innovation and built the middle class.


I like your failed musician avatar by the way.

I've been waiting for years for people to get pissed off. I waited and I waited and I waited. People just bent over and took it. Now finally they are starting to wake up. It's going to get interesting. But look, we have gone through way worse than this and survived and thrived. The civil war and world war II was way worse than what we are in now. People have been trying to push us into a third world war since Bush Jr. got into office and they just never can seem to do it. I mean they have bunkers. They have property in the southern hemisphere. Let the nukes fly and then take over afterwards and get more power. Honestly, I actually believe this is how Dick Cheney and Don Rumsfeld thought. They had Mitt Romeny brainwashed into thinking we needed to sack Iran. They wanted that third world war. That threat is gone for now. Now we just need to clean up the internal corruption. That still beats World War III.

[FORD]

Don't kid yourself.... as long as NuttyYahoo has control of Israel, WorldWarIII is just one false flag operation away.

And no, Alex Jones didn't say that. I did.

[Nitro Express]

Don't kid yourself.... as long as NuttyYahoo has control of Israel, WorldWarIII is just one false flag operation away.

And no, Alex Jones didn't say that. I did.

All I can say is I hope Obama has iron clad security in Israel because I wouldn't put it past NuttyYahoo to pull something and then blame it on Iranian terrorists. We got rid of the Bush machine when Mitt lost and now Karl Rove is losing favor in the Republican Party and that is going to hopefully morph into more of a grass roots thing. Daddy Bush is close to kicking the bucket and I don't think Jebb will be able to get the power back. Now we just need to fix the corruption at hand. That whole drone memo that surfaced might be the start of that. That has people on both sides of the isle mad as hell.

It's going to get interesting. The old guard is falling apart. The Rockefeller/Bush Republican machine is falling apart.

[FORD]

All I can say is I hope Obama has iron clad security in Israel because I wouldn't put it past NuttyYahoo to pull something and then blame it on Iranian terrorists.

Yeah, that wouldn't surprise me in the least. They already killed one of their own (Rabin) back in the 90s. Hell, they probably took Sharon out when he decided to be slightly less of a right wing terrorist.

[binnie]

The reason that people have so little in the way of savings these days are twofold:

1) We've had a rampant consumer economy based on relentless growth for at least 2 decades - spend, spend, spend is what keeps things afloat

2) We've been in recession so long that many folks will have spent their savings during periods of unemployment, and will be building them up once back in work. The longer a recession goes on, the harder it gets - few people can last 6 months out of work without real reprecussions (no matter how careful they are), and if that happens twice in 3 or 4 years I can see how it could empty the bank account.

[Kristy]

I personally want WWIII to come. Best shit for this planet is to rid itself of all human life.

[binnie]

If we could just eradicate Coldplay fans I think we'd get on just fine......

[Kristy]

Coldplay failed, yet successful musicians. Love to see Chris Martin hung from his testicles and beaten to within an inch of his life.


But hey, that's just me.

[binnie]

Coldplay failed, yet successful musicians. Love to see Chris Martin hung from his testicles and beaten to within an inch of his life.


But hey, that's just me.

Nah, it would hurt him far more if someone were to dispel his self-delusion of his music having any depth..............

[ZahZoo]

Actually saving rates in the US are on the rise and debt reduction is also in a solid downward pace.

The American dream is still achievable if you are motivated. The one thing few people are will to do is relocate to an area with a cheaper cost of living. Why anyone would want to stay in California is beyond comprehension. I love the place but left there in mid-85 and by early 86 had purchased my 1st house. Something that wouldn't have been possible had I not left the state.

Avoid all credit... and pay down what you have. It's really that simple and in short order you can start saving. I've found patience is what most people lack... You want a new mattress find a way to save $40-50 a month and sleep on the old one another year. But no... most people will go finance one and not even shop around that much for a good deal. Never ever buy a brand new car. You can find great used cars around 2 years old and avoid nearly 40% of the cost and depreciation lost.

It's not that hard to turn the debt tables and build some stability. Even with little to no salary growth... and even if you're a failed musician... ;)

[Kristy]

The American dream is still achievable if you are motivated. The one thing few people are will to do is relocate to an area with a cheaper cost of living. Why anyone would want to stay in California is beyond comprehension. I love the place but left there in mid-85 and by early 86 had purchased my 1st house. Something that wouldn't have been possible had I not left the state.

Avoid all credit... and pay down what you have. It's really that simple and in short order you can start saving. I've found patience is what most people lack... You want a new mattress find a way to save $40-50 a month and sleep on the old one another year. But no... most people will go finance one and not even shop around that much for a good deal. Never ever buy a brand new car. You can find great used cars around 2 years old and avoid nearly 40% of the cost and depreciation lost.

It's not that hard to turn the debt tables and build some stability. Even with little to no salary growth... and even if you're a failed musician... ;)

Again, what is the color of the sky in the world you live in.

One, everything and I do mean EVERYTHING runs on credit. You cannot avoid it no matter where you go. Wanna buy a house? Unless you just the lottery chances are high you'll take out a loan and the first thing a bank manager will say to you? "So...where are your credit statements?" This might work for you at your age but up and coming 20 and even 30-somethings avoiding credit is impossible.

I'm all for cutting corners when necessary, forgoing impulse items and living within one means - but getting by without credit? No wonder you like Wal-Mart so much.

[Kristy]

Nah, it would hurt him far more if someone were to dispel his self-delusion of his music having any depth..............

Maybe this could work for Paul Weller?

[binnie]

Maybe this could work for Paul Weller?

You mean his recent work?

I think even the harshest critic would have to admit that The Jam were a great band. The Style Council didn't work, but some of Paul's early solo records were worthwhile - he has sounded middle-aged since he was 30 though.....

[FORD]

What's wrong with Paul Weller?

Well, the Jam anyway. I wasn't a big fan of The Style Council really....


https://www.youtube.com/watch?v=AE1ct5yEuVY

[vandeleur]

The jam were great ... Everything else has been shite with the exception of the style council who were even worse than shite.

[vandeleur]

Some of the style council videos where he was flirting with mick talbot ( ?) we're very ....... Crap , I couldn't think of a word for it .

[FORD]

And just like that, a thread about "the American dream" turned British :biggrin:

Guess that makes it the "English Dream"?

(Yeah, it's got nothing to do with Paul Weller, but what the fuck....)


https://www.youtube.com/watch?v=xQUKHhXEQEM

[Kristy]

You mean his recent work?

I think even the harshest critic would have to admit that The Jam were a great band. The Style Council didn't work, but some of Paul's early solo records were worthwhile - he has sounded middle-aged since he was 30 though.....

Weller is hit and miss but I fail to see why the guy is so ass-licked as he is in the UK. His first solo outing and some stuff off of Wildwood and Stanley Road were okay - just okay but did he churn out some retched shit: Illumination, Studio 150, and um, that other one. Sonik Kicks was a radical departure and still unsure what to make of that. And The Jam were just a poor man's version of The Clash.

[Kristy]

Some of the style council videos where he was flirting with mick talbot ( ?) we're very ....... Crap , I couldn't think of a word for it .

Bit of a shame, really. Mick Talbot was a decent musician.

[vandeleur]

The jam a poor mans clash ? I don't see that at all .
And at the time weller couldn't distance himself quick enough from the punk rock movement.
he declared himself a right wing Tory and was very much influenced by 60's era the who /kinks/ small faces .
The clash er wernt :D

Oh IMHO

[vandeleur]

Tho I do concede strummer secretly worshipped the who.

[Kristy]

...and um, that other one...

22 Dreams is what I was thinking of.

http://cps-static.rovicorp.com/3/JPG_500/MI0001/631/MI0001631789.jpg

[Kristy]

Tho I do concede strummer secretly worshipped the who.

Strummer said on record that he liked Springsteen. But that is no reason for 'Da Boss' to butcher 'Coma Girl' like he did.

[envy_me]

Strummer said on record that he liked Springsteen. But that is no reason for 'Da Boss' to butcher 'Coma Girl' like he did.

Ok... You are a NOBODY!!! Critisize all you want, but remember, you are a NOBODY!!!! Whatever you say about Springsteen just remember you will always be lower then him.

[Kristy]

The jam a poor mans clash ? I don't see that at all .
And at the time weller couldn't distance himself quick enough from the punk rock movement.
he declared himself a right wing Tory and was very much influenced by 60's era the who /kinks/ small faces .
The clash er wernt :D

Oh IMHO

Weller admitted he was a mod from the start and was heavily influenced by Motown but he played a great actor when it came to the punk role. Particularity in those early Jam recordings

[envy_me]

Weller admitted he was a mod from the start and was heavily influenced by Motown but he played a great actor when it came to the punk role. Particularity in those early Jam recordings

I'm sure they can't string a guitar with the same professional touch like you can. Or get pissed on. You ARE A NOBODY...

[vandeleur]

Yip I defo think there was a bit of acting to be with in crowd until he established himself .

[vandeleur]

Anyway ,apologies to you folk for derailing the thread some what :-/

[FORD]

Tho I do concede strummer secretly worshipped the who.

All those punk bands worshipped the Who. Listen to that GenX clip I posted, for example. And of course, there's this from the Sex Pistols....


https://www.youtube.com/watch?v=MmnDmbEf__k

[vandeleur]

Yeah a lot of punk bands loved the who for their energy etc , Townsend had big problems with it . There is a story how he met cook and jones in some drinking establishment and he was a total mess saying the who were over and it was their turn now and they just wanted to meet one of their heroes .

[Seshmeister]

I personally want WWIII to come. Best shit for this planet is to rid itself of all human life.

http://www.guardian.co.uk/lifeandstyle/2010/jul/19/beat-depression-without-drugs

[Kristy]

http://www.guardian.co.uk/lifeandstyle/2010/jul/19/beat-depression-without-drugs

Hippie.

[vh rides again]

If you couldn't earn money in the 1990's, I'm sorry, you must have been living under a rock.

Ha ha ha

They were sitting at their computers right here in this forum working on their life's goal of 10,000 posts.

How the fuck could they save for anything sitting in here .

Fuckin losers

[Kristy]

Ha ha ha

They were sitting at their computers right here in this forum working on their life's goal of 10,000 posts.

How the fuck could they save for anything sitting in here .

Fuckin losers

:clap:God damn that was beautiful! I'm literally crying from laughing so hard over that. The Best Post In The History Of Roth Army Award right there. :clap:

[Zing!]

Dreams are dreams and reality is reality.

That sounds like a Haggar lyric.

[Nickdfresh]

:clap:God damn that was beautiful! I'm literally crying from laughing so hard over that. The Best Post In The History Of Roth Army Award right there. :clap:

It's funny that you're clapping when you're literally almost online 24/7 and never seem to leave your apartment...

[Kristy]

It's funny that you're clapping when you're literally almost online 24/7 and never seem to leave your apartment...

Well, we all can't have the moral self-righteous high ground such as you, Nick. Fucking stupid Wiki cunt.

[Nickdfresh]

Well, we all can't have the moral self-righteous high ground such as you, Nick. Fucking stupid Wiki cunt.

No need to apologize. And no, you can't fuck me...

[jhale667]

Well, we all can't have the moral self-righteous high ground such as you, Nick. Fucking stupid Wiki cunt.

Nor can we all be pathetic troll CHAT GUNTS like you, Kenny. Loser.

[Kristy]

No need to apologize. And no, you can't fuck me...

Let's see: you have nearly 40,000 posts and have been here roughly the same amount of time I have. No need to display your stupidity and hypocritical fucked up personality more than you already do, Nick.


Fucking stupid Wiki cunt.

[ZahZoo]

Again, what is the color of the sky in the world you live in.

One, everything and I do mean EVERYTHING runs on credit. You cannot avoid it no matter where you go. Wanna buy a house? Unless you just the lottery chances are high you'll take out a loan and the first thing a bank manager will say to you? "So...where are your credit statements?" This might work for you at your age but up and coming 20 and even 30-somethings avoiding credit is impossible.

I'm all for cutting corners when necessary, forgoing impulse items and living within one means - but getting by without credit? No wonder you like Wal-Mart so much.

The sky is various shades of grey today... fixin to rain.

I'll agree buying a home is one of the few areas where it's pretty darn hard to do without credit. But that's about it. But pretty much everything else is feasible if for 1. You are patient 2. Realistically live within your means.

The banks, retail and especially the auto industry are counting on you believing the only way you can have what want is to load up on credit. That's not the case. I've made the mistake twice of getting out there on credit. I won't ever do it again.

Something I've taught my kids about cars... it's a machine to take you where you need to go. They don't make you look cool, pretty, hot, whatever... You can be all that and drive a decent not-so-interesting car and be just fine. Shop smart and you can buy a well maintained vehicle for about $4-8k. Take care of it and save money and you can trade it in and work your way into a newer, bigger or nicer vehicle. There's no logical reason for a 25 year old making $28k a year to go into 5 years of debt to drive a $28,000 car brand new off the lot. That's just plain stupid.

[jhale667]

My name's Kenny, but they call me CHAT GUNT.



Yes. Yes we do.

[Kristy]

The sky is various shades of grey today... fixin to rain.

I'll agree buying a home is one of the few areas where it's pretty darn hard to do without credit. But that's about it. But pretty much everything else is feasible if for 1. You are patient 2. Realistically live within your means.

The banks, retail and especially the auto industry are counting on you believing the only way you can have what want is to load up on credit. That's not the case. I've made the mistake twice of getting out there on credit. I won't ever do it again.

Something I've taught my kids about cars... it's a machine to take you where you need to go. They don't make you look cool, pretty, hot, whatever... You can be all that and drive a decent not-so-interesting car and be just fine. Shop smart and you can buy a well maintained vehicle for about $4-8k. Take care of it and save money and you can trade it in and work your way into a newer, bigger or nicer vehicle. There's no logical reason for a 25 year old making $28k a year to go into 5 years of debt to drive a $28,000 car brand new off the lot. That's just plain stupid.

It's not just a house. The world runs on credit. For example, my car breaks down, I need to get it fixed, the mechanic wants to be paid in credit rather than cash. Need a rental in the meantime? I need credit for that, too. Traveling and need a place to stay? That''s right, credit. Back when I was in college I could not believe the credit vultures who hung around the student unions preying on unsuspecting students, hooking them up with great (introductory) interest rates by offering them a t-shirt and lame ski passes. Everything was wonerful for most until the bills came due and the interests rate was only a 60 day offer. Ethics aside, you can't get around it. You need it to just get by anymore.

As for a car I would never buy new and/or lease. Total waste of money.

[jhale667]

What, your mechanic doesn't accept debit cards? :lmao:

[PETE'S BROTHER]

about cars... it's a machine to take you where you need to go. They don't make you look cool, pretty, hot, whatever... You can be all that and drive a decent not-so-interesting car and be just fine. Shop smart and you can buy a well maintained vehicle for about $4-8k. Take care of it and save money and you can trade it in and work your way into a newer, bigger or nicer vehicle. There's no logical reason for a 25 year old making $28k a year to go into 5 years of debt to drive a $28,000 car brand new off the lot. That's just plain stupid.

amen.

[PETE'S BROTHER]

What, your mechanic doesn't accept debit cards? :lmao:

or cash? :headlights:

[ELVIS]

This thread is ghey...

[chefcraig]

What, your mechanic doesn't accept debit cards? :lmao:

The alternative was cash or head. The lack of the former must have lead to the latter, yet the mechanic labored to absolve himself by simply saying "No Fucking Way," which should not only label him as a character of good nature, yet as a person of positively heroically common sense.

[jhale667]

Yeah, you're right Craig - the gigantic Herper on Krusty's lip would instantly rule out the latter, too...

[FORD]

https://www.youtube.com/watch?v=p1nwPAj3Ens

[clarathecarrot]

Lots of my buds had, The Jam LPs cranking and displayed as fronts pieces to bring credibility to their pad, we were hanging at.

I guess they were good but I allways though with a name like, The Jam..that stand alone name they should be alot better than that.

That is a great band name...THE JAM...you better fucking jam ..and I didn't feel it.

This sounds more like a..The Jam..because it Jams and when I saw 999 play a VFW hall in the late 70 it out Jam'd most every Jam before or since.

But what's ina name my brothers..... ladies and Gentlemen............... 999

[Hardrock69]

What's funny is the black plague actually caused the renniancance.

Huh?

What is a renniancance?

OH, you mean The Renaissance!

Took me a moment. My bad. ;)

[Hardrock69]

What, your mechanic doesn't accept debit cards? :lmao:

Her mechanic only accepts cash. And since he won't accept blow jobs from the Krusty, she can't get her car fixed and has to accept rides from her golden shower clients to get where she needs to go....like the health clinic and the food stamp office. :hee:

[jhale667]

:hee:

[Hardrock69]

Sarah Palin had nothing to do with running the country the last four years.


Aw...hims all sad the stoopid bitch did not get elected to the VP slot....


Many of you liberals are going to get a hard lesson on that in the near future.

And the Cuntservatives will not? Are they somehow kind of exempt from the realities of life?

Wait a minute....of course they are....they think they are better than everyone else, and (like policitians) don't give a damn about the poor, the sick, the elderly, the downtrodden.....

[Headly1984]

If ya got debt beyond your mortgage - it is your own damn fault - if ya cannot afford a 15 yr mortgage - ya bought too much house - again, your own damn fault

pay cash for cars / trucks & toys like motorcycles - use credit cards with the most points or cash back for everything and pay em off monthly so ya get something for your $ & if ya didn't buy Visa when it went public - why not ? it owns most every idiot and was a no brainer

- ya can still trade V option puts and calls for quick $ if ya can get a feel for the market

the American Dream is Freedom & independence

Credit cards were not accepted when 1st introduced - they were contrary to the American way - suckers got turned upside down and faied to understand $ , they are nothing but a loan in your wallet with usury interest rates

[Headly1984]

It's not just a house. The world runs on credit. For example, my car breaks down, I need to get it fixed, the mechanic wants to be paid in credit rather than cash. Need a rental in the meantime? I need credit for that, too. Traveling and need a place to stay? That''s right, credit. Back when I was in college I could not believe the credit vultures who hung around the student unions preying on unsuspecting students, hooking them up with great (introductory) interest rates by offering them a t-shirt and lame ski passes. Everything was wonerful for most until the bills came due and the interests rate was only a 60 day offer. Ethics aside, you can't get around it. You need it to just get by anymore.

As for a car I would never buy new and/or lease. Total waste of money.

I never met anyone who works for themselves who didn't think Cash is King

When negotiating always pay cash, and use 100's - they speak louder than 20's/50's - the metric of 10 = 1000 is not lost on any seller or service provider

dig it

[Kristy]

I never met anyone who works for themselves who didn't think Cash is King

When negotiating always pay cash, and use 100's - they speak louder than 20's/50's - the metric of 10 = 1000 is not lost on any seller or service provider

dig it
Now you're back to being a asshole.

[Headly1984]

Hear me now, listen to me later - cash is king

I have saved $ on everything from home/auto repair to buying cars/trucks/motorcycles by using cash

better to get a personal loan for under 10% and have cash in hand than use credit card w/18% apr. for a new furnace / roof

Cash is quiet .. mechanics don;t have to report cash transactions(well technically they have to - but rules can be bent) - nor do roofers - credit is good for Amazon.com purchases but that is small $$

.. why 100's - metric - people get sick of counting to 5 for 100 in 20's and after a few hundred people get tired of counting 20's

100's are kindergarten math - everyone knows 10 x 100 = 1000 or 50 x 100 = 5k

cash is king

-----------------------------------------

Mother told me, yes, she told me I'd meet girls like you. She also told me, "Stay away, you'll...never know what you'd catch"

[Kristy]

Hear me now, listen to me later - cash is king

Okay, when it comes to buying weed, pussy and/or furniture to enjoy the former


I have saved $ on everything from home/auto repair to buying cars/trucks/motorcycles by using cash

Only if you have the $$$ at the time to FULLY pay for it. Otherwise, it's credit.


better to get a personal loan for under 10% and have cash in hand than use credit card w/18% apr. for a new furnace / roof

Lay off the bad acid when posting, okay?


Cash is quiet .. mechanics don;t have to report cash transactions(well technically they have to - but rules can be bent) - nor do roofers - credit is good for Amazon.com purchases but that is small $$

.. why 100's - metric - people get sick of counting to 5 for 100 in 20's and after a few hundred people get tired of counting 20's 100's are kindergarten math - everyone knows 10 x 100 = 1000 or 50 x 100 = 5k

cash is king

Cash is shit. Cash does not mean shit. Cash does not mean shit to a bank manger or loan officer. Credit does. Again, numbnuts, the world runs on two things: hate and credit. I already have one of the two.

[Headly1984]

My credit score is 800+

I use credit wisely - if you do not have cash - ok, that is problem #1

get out of debt - get the credit score up and get ahead

don;t rent - buy a house & build equity

----------------------

home equity loan or personal loan is better than credit card debt - UNLESS - you shuffle cards - take advantage of low intr. apr, then b4 that expires open new low apr card and transfer - never pay double digit % interest

---------------------------

Furniture is a chick thing - no one needs a new oak table with matching chairs for $2k-3k - why ?

buy vintage - it is classy if ya buy right

-----------------------

Mattress - yeah, ya buy that new and always get a king - queen is a bit tight unless ya cuddle every single night - which would be nice but, king is nicer for everyday comfort imo

[Kristy]

Are you on dope?

My goal is to own a home by the time I am 35. And, unlike the majority if he fucking cretins on this site, it won't:

Have wheels

Be under a bridge

or

Section 8

For now, I need to establish (more) credit. To establish credit I need to use credit. See...see how the god damn system works? Like I said, unless I win the lottery, credit is the only way I'll get there.

[sadaist]

Okay, when it comes to buying weed, pussy and/or furniture to enjoy the former
.


I bought weed....which made me get pussy.....that later took all my good furniture :(

[Headly1984]

I got a friend in the Denver are who is in real estate - he buys rehabs and flips, or rents - if you get serious he could show you how to get started - he is also a p/t loan officer for a Denver bank for people willing to rehab a home

1st - contact your local community development office to see what 1st time home owner incentives they have - do the same with big banks in your area and the USDA suburban Home ownership program - it is all income eligible but the income limits are fairly high

buy a 2 family to start imho - interest rates are so low it is like free $$$ right now

I bought my house at 30 - a little later than I woulda liked - I will own it w/in 3 yrs - by age 45 free and clear

[Kristy]

I bought weed....which made me get pussy.....that later took all my good furniture :(

Dude, you need to join a cult or something. Seriously.

[Headly1984]

if you need to use credit get an amex card - use it for all your gas & groceries - pay it off monthly - get free stuff for doing so =) !!

[Kristy]

1st - contact your local community development office to see what 1st time home owner incentives they have - do the same with big banks in your area and the USDA urban Home ownership program - it is all income eligible but the income limits are fairly high

I have a mortgage loan officer who is a close friend but it's still going to be a while. As for flipped houses - they just shitholes with the permanent smell of cat shit and fresh paint. At least the ones I've seen.

[Kristy]

Or for when I need a car rental, renter's insurance, a new fucking alternator....

[Headly1984]

I bought a 2 family - 2350 sq/ft - rehabed it , new everything - kitchens / baths, furnaces / windows / roof / plumbing

you can do it to - don;t wait for the loan officer to find you $

call community development office & major banks - 1st time home owner programs help you establish non-traditional credit respect w/lenders, help w/ down payment assistance & closing costs - try HSBC - they have/had a program - save $1500 of your $ & they match $8500 down payment

[Headly1984]

ehab a Home w/HUD's 203(k)

The Federal Housing Administration (FHA), which is part of the Department of Housing and Urban Development (HUD), administers various single family mortgage insurance programs. These programs operate through FHA-approved lending institutions which submit applications to have the property appraised and have the buyer's credit approved. These lenders fund the mortgage loans which the Department insures. HUD does not make direct loans to help people buy homes.

The Section 203(k) program is the Department's primary program for the rehabilitation and repair of single family properties. As such, it is an important tool for community and neighborhood revitalization and for expanding homeownership opportunities. Since these are the primary goals of HUD, the Department believes that Section 203(k) is an important program and we intend to continue to strongly support the program and the lenders that participate in it.

Many lenders have successfully used the Section 203(k) program in partnership with state and local housing agencies and nonprofit organizations to rehabilitate properties. These lenders, along with state and local government agencies, have found ways to combine Section 203(k) with other financial resources, such as HUD's HOME, HOPE, and Community Development Block Grant Programs, to assist borrowers. Several state housing finance agencies have designed programs, specifically for use with Section 203(k) and some lenders have also used the expertise of local housing agencies and nonprofit organizations to help manage the rehabilitation processing.

The Department also believes that the Section 203(k) program is an excellent means for lenders to demonstrate their commitment to lending in lower income communities and to help meet their responsibilities under the Community Reinvestment Act (CRA). HUD is committed to increasing homeownership opportunities for families in these communities and Section 203(k) is an excellent product for use with CRA-type lending programs.

If you have questions about the 203(k) program or are interested in getting a 203(k) insured mortgage loan, we suggest that you get in touch with an FHA-approved lender in your area or the Homeownership Center in your area.
Introduction
Section 10 1 (c) (1) of the Housing and Community Development Amendments of 1978 (Public Law 95557) amends Section 203(k) of the National Housing Act (NHA). The objective of the revision is to enable HUD to promote and facilitate the restoration and preservation of the Nation's existing housing stock. The provisions of Section 203(k) are located in Chapter II of Title 24 of the Code of Federal Regulations under Section 203.50 and Sections 203.440 through 203.494. Program instructions are in HUD Handbook 4240-4. HUD Handbooks may be ordered online from The HUD Compendium or from HUDCLIPS.
203(k) - How It Is Different

Most mortgage financing plans provide only permanent financing. That is, the lender will not usually close the loan and release the mortgage proceeds unless the condition and value of the property provide adequate loan security. When rehabilitation is involved, this means that a lender typically requires the improvements to be finished before a long-term mortgage is made.

When a homebuyer wants to purchase a house in need of repair or modernization, the homebuyer usually has to obtain financing first to purchase the dwelling; additional financing to do the rehabilitation construction; and a permanent mortgage when the work is completed to pay off the interim loans with a permanent mortgage. Often the interim financing (the acquisition and construction loans) involves relatively high interest rates and short amortization periods. The Section 203(k) program was designed to address this situation. The borrower can get just one mortgage loan, at a long-term fixed (or adjustable) rate, to finance both the acquisition and the rehabilitation of the property. To provide funds for the rehabilitation, the mortgage amount is based on the projected value of the property with the work completed, taking into account the cost of the work. To minimize the risk to the mortgage lender, the mortgage loan (the maximum allowable amount) is eligible for endorsement by HUD as soon as the mortgage proceeds are disbursed and a rehabilitation escrow account is established. At this point the lender has a fully-insured mortgage loan.
Eligible Property

To be eligible, the property must be a one- to four-family dwelling that has been completed for at least one year. The number of units on the site must be acceptable according to the provisions of local zoning requirements. All newly constructed units must be attached to the existing dwelling. Cooperative units are not eligible.

Homes that have been demolished, or will be razed as part of the rehabilitation work, are eligible provided some of the existing foundation system remains in place.

In addition to typical home rehabilitation projects, this program can be used to convert a one-family dwelling to a two-, three-, or four-family dwelling. An existing multi-unit dwelling could be decreased to a one- to four-family unit.

An existing house (or modular unit) on another site can be moved onto the mortgaged property; however, release of loan proceeds for the existing structure on the non-mortgaged property is not allowed until the new foundation has been properly inspected and the dwelling has been properly placed and secured to the new foundation.

A 203(k) mortgage may be originated on a "mixed use" residential property provided: (1) The property has no greater than 25 percent (for a one story building); 33 percent (for a three story building); and 49 percent (for a two story building) of its floor area used for commercial (storefront) purposes; (2) the commercial use will not affect the health and safety of the occupants of the residential property; and (3) the rehabilitation funds will only be used for the residential functions of the dwelling and areas used to access the residential part of the property.

[Kristy]

But if I stick with this mortgage officer I won't have to pay anything on the majority of those cost. Closing cost alone are the biggest scam next to organized religion on this planet

[Headly1984]

right - but ya can get the same deal elsewhere too


203k loan
The borrower can get just one mortgage loan, at a long-term fixed (or adjustable) rate, to finance both the acquisition and the rehabilitation of the property. To provide funds for the rehabilitation, the mortgage amount is based on the projected value of the property with the work completed, taking into account the cost of the work. To minimize the risk to the mortgage lender, the mortgage loan (the maximum allowable amount) is eligible for endorsement by HUD as soon as the mortgage proceeds are disbursed and a rehabilitation escrow account is established.

[Kristy]

Free mortgage processing? I highly doubt it.

[Headly1984]

these are pearls girl

you got f/t job - ? buy a house .. EZ

[Headly1984]

My buddy also has a ski chalet N of Denver - he rents part of the year and uses it some of the time for himself

[Headly1984]

Free mortgage processing? I highly doubt it.

Call local housing community development office - city hall , get a list of all housing agencies - call all the local banks and ask about 1st time home ownership - see if ya can get 1st time H.O. & 203k at same time - that would be a huge swindle if ya could

[Kristy]

Was laid off in November (week of Thanksgiving, actually) with the promise of return by early April but there are no guarantees. Currently have over 400 resumes out there. Have not a heard a word back for anyone. Really no one is hiring Took a shit low-paying part time gig on weekends to fill up for the boredom but I have barely been living within my means for the past 3 months. I'm thankful I have a sweet roommate who has helped me out but she is graduating in May and moving back to South Carolina afterwards. So come April is when I'll panic. Still hasn't put me off from buying a house. Being in limbo sucks.

[Nitro Express]

Aw...hims all sad the stoopid bitch did not get elected to the VP slot....



And the Cuntservatives will not? Are they somehow kind of exempt from the realities of life?

Wait a minute....of course they are....they think they are better than everyone else, and (like policitians) don't give a damn about the poor, the sick, the elderly, the downtrodden.....

I can't stand Sarah Palin. She bolted out of Alaska because it was discovered she had a public financed slush fund. She's not only annoying, she's corrupt. For me it's not worth the energy to debate which corrupt party is better. Neither has done me any good. Bush fucked me and Obama has fucked me. It's kind of like trying to decide which bully you like better.

[Headly1984]

Was laid off in November (week of Thanksgiving, actually) with the promise of return by early April but there are no guarantees. Currently have over 400 resumes out there. Have not a heard a word back for anyone. Really no one is hiring Took a shit low-paying part time gig on weekends to fill up for the boredom but I have barely been living within my means for the past 3 months. I'm thankful I have a sweet roommate who has helped me out but she is graduating in May and moving back to South Carolina afterwards. So come April is when I'll panic. Still hasn't put me off from buying a house. Being in limbo sucks.

sign up for email alerts for civil service test in your area

when you shop for a house, a 2 family is your friend - 80% of rental income can be used as part of your income fwiw

[Nitro Express]

Who in the hell buys a house when they don't have a job?

[Headly1984]

why not get the plan set up for when the job happens - then the dominoes are in place to fall in line

even 2 p/t jobs can help u qualify for a 2 family house - why would ya want to pay yourself equity and not a land lord is the better question

[Nitro Express]

God this sounds like the roaring 90's again.

[Headly1984]

with interest rates below 4 % it sure is

[Nitro Express]

That fuckwit bernanke. He's just going to cause another sub=prime mortgage meltdown. I wonder how much the next banker bailout is going to cost us?

[Hardrock69]

Who in the hell buys a house when they don't have a job?

Krusty.

She needs to get out and advertise her Krusty Fishkunt more.

Who is going to respond to someone who's resume only lists "Drug Addict" and "Transsexual Ho" as job skills?

[Nickdfresh]

Are you on dope?

My goal is to own a home by the time I am 35. And, unlike the majority if he fucking cretins on this site, it won't:

Have wheels

Be under a bridge

or

Section 8

For now, I need to establish (more) credit. To establish credit I need to use credit. See...see how the god damn system works? Like I said, unless I win the lottery, credit is the only way I'll get there.

I love when douchebags like this insult everybody after writing retarded gibberish from the box wine and "legal" weed. I bet its Vicotin is "legal" too. :baby: :)

[Nickdfresh]

I have a mortgage loan officer who is a close friend but it's still going to be a while. As for flipped houses - they just shitholes with the permanent smell of cat shit and fresh paint. At least the ones I've seen.

I would think you'd be used to that by now. :)

[clarathecarrot]

lay off the Kristy you homos the humping carrot of defense is on the job 9527

[Nickdfresh]

"Lay off Kristy?" That's what the Scout Troop said last night!

[ZahZoo]

I have a mortgage loan officer who is a close friend but it's still going to be a while. As for flipped houses - they just shitholes with the permanent smell of cat shit and fresh paint. At least the ones I've seen.

Kristy... you need to shop around local banks and mortgage lenders. My son was able to buy a home with virtually no credit history other than 1 car loan that he paid off in a year. He was only 22 when he bought the house. No co-signers either. The key is look for first time home buyer programs and be able to put 10-20% cash down.

In your other posts you questioned... car rentals, hotels, mechanics... Debit cards solve the plastic requirement and don't put you in debt. For any other services... good old fashioned checks are still accepted and even that old thing known as cash.

Don't buy into that old marketing bullshit that the world runs on credit/debt. Even 90 days same as cash or zero interest loans are bullshit. They build the interest profit into the price up front. If you ever catch your self thinking... I can pay this off no problem in 90 days. Stop. Leave the store and go save that amount for 90 days. Walk in with cash and offer them 20% below the previous asking price. You'll save money and also have no debt.

[Nickdfresh]

Kristy... you need to shop around local banks and mortgage lenders. My son was able to buy a home with virtually no credit history other than 1 car loan that he paid off in a year. He was only 22 when he bought the house. No co-signers either. The key is look for first time home buyer programs and be able to put 10-20% cash down.

In your other posts you questioned... car rentals, hotels, mechanics... Debit cards solve the plastic requirement and don't put you in debt. For any other services... good old fashioned checks are still accepted and even that old thing known as cash.

Don't buy into that old marketing bullshit that the world runs on credit/debt. Even 90 days same as cash or zero interest loans are bullshit. They build the interest profit into the price up front. If you ever catch your self thinking... I can pay this off no problem in 90 days. Stop. Leave the store and go save that amount for 90 days. Walk in with cash and offer them 20% below the previous asking price. You'll save money and also have no debt.

It doesn't really take that much to est. credit. It's probably more about income and job stability than anything. But since Kristy claims to be a hooker, good luck with that!

[ZahZoo]

But you really don't need to establish credit. FICA scores are a farce. The more of a sucker you are for debt loading... the higher your score. They are predominately designed to milk more profit from debt from the consumer. Lower score... higher interest... More profit. The banks want you to play the game on their terms... but you don't have to. Yes, you have to work a little harder to get what you want but in the long run you'll save a ton of money and very little stress burden from debt.

[Nickdfresh]

But you really don't need to establish credit. FICA scores are a farce. The more of a sucker you are for debt loading... the higher your score. They are predominately designed to milk more profit from debt from the consumer. Lower score... higher interest... More profit. The banks want you to play the game on their terms... but you don't have to. Yes, you have to work a little harder to get what you want but in the long run you'll save a ton of money and very little stress burden from debt.

I don't know what you mean. One cannot make major purchases on credit without some sort of credit established. That's a given. It doesn't necessarily mean you have to have a long credit history and lots of cards, loans, etc. But banks demand some sort of track record. Of course, there are first time borrowers. But generally they need to have been on a job for a bit and make decent income. And yes, to an extent credit is a scam involving a lot of arbitrary bullshit. But at the other end, banks have to make sure they don't get stiffed all the time, too. I mean, isn't that one of the factors that sank the economy?

*And yes I agree that FICA scores can be a farce, but AFAIK banks don't just take the FICA score at face value and people with "good" scores are often denied loans whereas people with "bad credit" can get loans if they show they've paid off some (major or related) stuff and have income...

[Kristy]

Kristy... you need to shop around local banks and mortgage lenders. My son was able to buy a home with virtually no credit history other than 1 car loan that he paid off in a year. He was only 22 when he bought the house. No co-signers either. The key is look for first time home buyer programs and be able to put 10-20% cash down.

I have plenty of information on first-time buyer incentives. Still two problems exist: 1. being laid off; no lender will talk to you if currently umemployed and 2. standing student loans which I'll be paying off for the next 10 - 15 years (if interests rates don't change)


In your other posts you questioned... car rentals, hotels, mechanics... Debit cards solve the plastic requirement and don't put you in debt. For any other services... good old fashioned checks are still accepted and even that old thing known as cash.

True, but I need to establish good credit. I try to use credit wisely in that I only use for emergencies and not frivolous purchases. Debit cards are not all that practical for me right now.


Don't buy into that old marketing bullshit that the world runs on credit/debt. Even 90 days same as cash or zero interest loans are bullshit. They build the interest profit into the price up front. If you ever catch your self thinking... I can pay this off no problem in 90 days. Stop. Leave the store and go save that amount for 90 days. Walk in with cash and offer them 20% below the previous asking price. You'll save money and also have no debt.

True and good advice. But again, I'd never use credit to buy, say a TV or appliances no matter what the interest. I use credit mainly for emergencies like I said, car rental.

[Nitro Express]

Why the middle class got fucked.

[Angel]

Kristy... you need to shop around local banks and mortgage lenders. My son was able to buy a home with virtually no credit history other than 1 car loan that he paid off in a year. He was only 22 when he bought the house. No co-signers either. The key is look for first time home buyer programs and be able to put 10-20% cash down.

In your other posts you questioned... car rentals, hotels, mechanics... Debit cards solve the plastic requirement and don't put you in debt. For any other services... good old fashioned checks are still accepted and even that old thing known as cash.

Don't buy into that old marketing bullshit that the world runs on credit/debt. Even 90 days same as cash or zero interest loans are bullshit. They build the interest profit into the price up front. If you ever catch your self thinking... I can pay this off no problem in 90 days. Stop. Leave the store and go save that amount for 90 days. Walk in with cash and offer them 20% below the previous asking price. You'll save money and also have no debt.

Don't know about there, but good luck getting a hotel room or a car rental without a credit card up here.

[Nitro Express]

Don't know about there, but good luck getting a hotel room or a car rental without a credit card up here.

It's the same here. When I was 18 I had to get a credit card (they were harder to get in the mid 80's) because I couldn't reserve a hotel room or rent a car. Now in some places they won't rent a car to you unless you are 21. In 1984 you could drink at age 18 and were treated like an adult. I feel sorry for the kids today that are good enough to be sent into war and operate expensive military equipment but they can't have a drink or rent a car until they are 21.

[binnie]

Kristy... you need to shop around local banks and mortgage lenders. My son was able to buy a home with virtually no credit history other than 1 car loan that he paid off in a year. He was only 22 when he bought the house. No co-signers either. The key is look for first time home buyer programs and be able to put 10-20% cash down.

.

The problem here is getting that 20% deposit. I do not know a single couple my age who have bought a house without significant help from their parents. It is frankly impossible to get on the housing ladder in many parts of the UK at the moment.....

[PETE'S BROTHER]

The problem here is getting that 20% deposit. I do not know a single couple my age who have bought a house without significant help from their parents. It is frankly impossible to get on the housing ladder in many parts of the UK at the moment.....

i needed my mom for a co-signer when i got my house. it never woulda happened without that, however my credit was mediocre at best

[ZahZoo]

Don't know about there, but good luck getting a hotel room or a car rental without a credit card up here.

Debit cards work fine here.

[Kristy]

There is nothing wrong with debit cards but again, I think they are much more practical after you have already established yourself some credit.

[Headly1984]

no debit or credit card makes sen$e unless you benefit from a rewards program they offer imho

[Kristy]

Oh, will you knock it off with the rewards? Do you work for a bank?

[Headly1984]

nope - I pay almost zero interest by paying my card off monthly and get free stuff for using them over a competitor - I win :cheer:

[Kristy]

Let me known when they have a rewards incentive that offers free weed.

[PETE'S BROTHER]

Let me known when they have a rewards incentive that offers free weed.

mine gives cash back, that i can use for weed

[Headly1984]

that's why they call it DOPE Krister - free $ can be used for stuff

[jhale667]

Don't know about there, but good luck getting a hotel room or a car rental without a credit card up here.

Dunno about hotel rooms, but you can definitely rent cars on a debit card, they just charge you the full $300 or whatever and refund the difference.

[tbone888]

A "secured" credit card works well for establishing credit. I can remember having 50k in the bank, and that same bank wouldnt give me a credit card until I established a credit history. The credit card offers started pouring in after a few months paying the monthly balance.

[Kristy]

I can remember having 50k in the bank, and that same bank wouldnt give me a credit card until I established a credit history....

See how the world works!?!?! I do wonder about ZahZoo sometimes.

[gbranton]

What I found to be amazing is a side article to that story where the top ten states in near financial ruin are mainly red states

1. Louisiana
2. Arizona
3. New Mexico
4. Tennessee
5. North Carolina
6. Arkansas
7. Florida
8.Mississippi (surprised that state isn't #1)
9. Georgia
10. Nevada

The quality of life rapidly diminishing every day even for those who could once afford it.

Seems to me that if these places were such shitholes people would be leaving them in droves. That is still allowed in Amerika right? I think that is the true measure of where it sucks the most, how many people are getting fed up and getting the fuck out of state and guess WHAT? Of the states that people are fleeing most, none of those places are on the list. IN FACT, according to a recent study, North Carolina, Florida and Arizona feature some of the highest ratios of people moving IN.

http://www.forbes.com/sites/jennagoudreau/2013/02/07/the-states-people-are-fleeing-in-2013/

So what places are people leaving?

(1) New Jersey
(2) Illinois
(3) West Virginia
(4) New York
(5) New Mexico
(6) Michigan
(7) Maine
(8) Connecticut
(9) Kentucky
(10) Wisconsin

On that list I see a lot of left-leaning states where the economies are in ruin and the people (evidently) are tired of a bunch of fascists telling them what size fucking sodas they can buy.

[FORD]

A "secured" credit card works well for establishing credit. I can remember having 50k in the bank, and that same bank wouldnt give me a credit card until I established a credit history. The credit card offers started pouring in after a few months paying the monthly balance.

Yep. Secured cards can be a pain in the ass, as they aren't even truly credit cards at all, as you're "charging" against money you have already deposited in the bank. But the credit bureaus count them as legit and raise your score accordingly, if you use them right.

After fighting the predatory capitalists at Bank of Unamerica for most of the 1990s, I had to get a secured card to "rebuild" my credit. Think the thing had a measly $200 limit on it or something like that. But I maxed it out every month, paid it off at the end of the month, and within about 3 months, I had a "real" credit card with a $5,000 limit again. (Which came in handy when I blew out a transmission driving over the Rockies).

I'd still have that card today, if the bank that issued it hadn't been swallowed up by the predatory capitalist drug money laundry that calls itself HSBC. Those assholes made me nostalgic for Bank of Unamerica. :(

[Hardrock69]

One of my possible futures involves moving to the NW. Which will involve driving over the Rockies. Though I am not really worried about blowing anything up....just minor shit like the thin air fucking with the air/fuel ratio. Have had to deal with that crap before in Colorado when driving FROM the NW to the midwest about 35 years ago....

[Kristy]

So what places are people leaving?

(1) New Jersey
(2) Illinois
(3) West Virginia
(4) New York
(5) New Mexico
(6) Michigan
(7) Maine
(8) Connecticut
(9) Kentucky
(10) Wisconsin

On that list I see a lot of left-leaning states where the economies are in ruin and the people (evidently) are tired of a bunch of fascists telling them what size fucking sodas they can buy.

Well New York does have one crazy mayor. Problem is many of those assholes from those states are moving here bringing their shitty fucking attitudes with them. The majority come from Wisconsin and New England tagging along their even F A T T E R children. Pussy whiners all of them - from the snow to the altitude which really isn't a big deal at all. Then they cut down all the pines build their shit ticky-tacky track housing homes and wonder why they burn the fuck down in summer droughts. This state used so be so nice, now it's just another empty strip mall suburban decay eyesore full of assholes in SUV's and Eddie Bauer clothing. Soon they'll rape what's left of Idaho and Washington State.

[Nitro Express]

Debit cards work fine here.

I don't think you could rent a car with one. They basically want a line of credit they can charge as collateral against the car. That used to be the thinking when I was a rental agent many moons ago. We would not rent a car for cash. We wanted access to a line of credit as collateral.

[Nitro Express]

Well New York does have one crazy mayor. Problem is many of those assholes from those states are moving here bringing their shitty fucking attitudes with them. The majority come from Wisconsin and New England tagging along their even F A T T E R children. Pussy whiners all of them - from the snow to the altitude which really isn't a big deal at all. Then they cut down all the pines build their shit ticky-tacky track housing homes and wonder why they burn the fuck down in summer droughts. This state used so be so nice, now it's just another empty strip mall suburban decay eyesore full of assholes in SUV's and Eddie Bauer clothing. Soon they'll rape what's left of Idaho and Washington State.

Most my neighbors are California move ins. I have no problem. All are good people and I get along fine with them. Some still keep a condo in Cali. One was nice enough to let us use their place on Coronado. One is a graphics art designer. He can do all his work here in Wyoming and has a big studio in his home.

[Nitro Express]

One of my possible futures involves moving to the NW. Which will involve driving over the Rockies. Though I am not really worried about blowing anything up....just minor shit like the thin air fucking with the air/fuel ratio. Have had to deal with that crap before in Colorado when driving FROM the NW to the midwest about 35 years ago....

It's really not a problem until you get over 8,000 feet. Above that I have to increase the octane in the gas or the engine will ping pulling a grade. Jackson Hole literally is in a hole. The only way to get in here is through mountain passes and that can be plenty of fun in the winter. The main road that comes up here from the south got covered by a landslide a few years back. Then there is Yellowstone Park to the north which takes forever to get through because of all the tourist traffic and slow speed limits. When I have to go up to Montana I'm always debating whether to fuss with going through the park or going over Teton Pass, into Idaho and go up that way.

The best way to get to the northwest from where you are is just take I-80 west and then take highway 30 out of Wyoming into Idaho and then hit I-15. This is the way the Union Pacific runs to the northwest so there are no steep grades. You can then get on I-84 and hit Oregon and Washington that way. No big grades to pull. The biggest one will be the blue mountains in Oregon. It's basically the old Oregon trail route. They pulled the wagons where the grade was the easiest and the railroad just followed it later and then they built the roads.

[Angel]

It's really not a problem until you get over 8,000 feet. Above that I have to increase the octane in the gas or the engine will ping pulling a grade. Jackson Hole literally is in a hole. The only way to get in here is through mountain passes and that can be plenty of fun in the winter. The main road that comes up here from the south got covered by a landslide a few years back. Then there is Yellowstone Park to the north which takes forever to get through because of all the tourist traffic and slow speed limits. When I have to go up to Montana I'm always debating whether to fuss with going through the park or going over Teton Pass, into Idaho and go up that way.

The best way to get to the northwest from where you are is just take I-80 west and then take highway 30 out of Wyoming into Idaho and then hit I-15. This is the way the Union Pacific runs to the northwest so there are no steep grades. You can then get on I-84 and hit Oregon and Washington that way. No big grades to pull. The biggest one will be the blue mountains in Oregon. It's basically the old Oregon trail route. They pulled the wagons where the grade was the easiest and the railroad just followed it later and then they built the roads.

Hmmmm...never had any problems in the mountains, but our gas has higher octane levels.

[ZahZoo]

I don't think you could rent a car with one. They basically want a line of credit they can charge as collateral against the car. That used to be the thinking when I was a rental agent many moons ago. We would not rent a car for cash. We wanted access to a line of credit as collateral.

I've rented cars and U-haul trucks several times with just a debit card. No questions asked or even any concerns mentioned. Had several times where we've made hotel reservations with a debit card and then paid cash at check-in and let them scan the debit card for incidentals.

Another alternative is an American Express card... the traditional one isn't really a credit card as there's no interest charges as long as you pay it fully each cycle.

[jhale667]

I don't think you could rent a car with one. They basically want a line of credit they can charge as collateral against the car. That used to be the thinking when I was a rental agent many moons ago. We would not rent a car for cash. We wanted access to a line of credit as collateral.

Uh YES YOU CAN.

[Nitro Express]

Oh God I'm the American dream. I'm going to get a good job and get real rich because I'm a handsome son of a bitch...

[Kristy]

http://buffalobeast.com/wp-content/uploads/2012/11/darwin.hoelscher1.jpg