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1. This is not breaking news and our leadership has known about it for years.




How many years?

If the American people ever allow private banks to
control the issue of their money, first by inflation
and then by deflation, the banks and corporations
that will grow up around them (around the banks),
will deprive the people of their property until their
children will wake up homeless on the continent
their fathers conquered.
-- Thomas Jefferson

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Timely.


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Good post. Just wanted to throw my 2 cents in on a few legal things:

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3. Put caps on what Congress can borrow and spend. As it is now, Congress has already voted numerous times to increase both.





An amendment to the constitution would be required to do this. neither the legislature nor the president could make a law or force it to happen.

Quote:

4. Require each federal department to report w/in a given period of time...say seven days, or a work week......of any overspending to Legislature.





More paperwork? Oh man, that's gonna cost you a couple billion to hire someone to write all those reports.

Quote:


5. Allow the President to terminate the employment of violators of numbers 2 and 4.





he already can, if he so desires.

Quote:


Now.............back to # 1: We need to stop w/the straight party allegiance that is dividing our country. Hell, look at this board. It doesn't matter the merit of the topic. What matters is to some the Republicans are always wrong and to some they are always right. And it's the same for the Dems. That's stupid!




See me, I think the more parisan bickering the better. The best congress is one that doesn't get anything passed. They already to too much.

Quote:


We need to make our feelings known. We need to vote for the people who are willing to make changes. We need strong leaders for America. We need to stop this political malaise and demand accountability. We need to force our politicians, who are voted in by US, yes we are the US in US of A., to take the necessary action to start reducing our debt.





Yes We Can!!

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We need to stop w/the straight party allegiance that is dividing our country.




AMEN!!!


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I agree vers - the BIG picture is the scary one. Gov't. bailouts, new programs - this country can't afford what we are doing now, let alone adding new programs.

$53 trillion folks. That comes out to something like $440,000 for each household in the states. That is to say, that's what each household owes to cover our national debt along with medicare and social security.

The pain, I'm afraid, has not even started. It's scary. To me at least.

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Never felt that you were pickin' on me, but thanks all the same.

People ARE turning blind eyes, and the reasons are numerous, if unacceptable.

First, the vast majority don't understand any of it. I grew up in politics. I've had dinner with two presidents (and no, neither would be able to pick me out of a crowd, and GW is a likeable character who loves fishin' and gets very animated about it ). I've done volunteer work (read: Child-slave labor ) for various local and state compaigns (the last one being the Lt. Governor of Texas) and have spent years watching it all. One of the big problems I always had was that I didn't know which news-source to trust. I grew up in a Republican household, but quickly found that my ideals fell almost dead-nuts in the middle.

If there was anyone born to be a natural fence-rider, it's me

The media loves to talk as if they have a great grasp of what's going on, but in many cases, they simply don't. Then there's the bias issue, which makes words that appear valid anything but. I won't even begin to get into the lying teeth that every politician has.

So, not only are the vast majority of Americans ill-equipped to understand what's happening (read: Ignorant) they don't have the means to absorb the necessary information from a reliable source, since that decision is also beyond their comprehension.

Keep in mind that I put myself in the aforementioned category. I'm no idiot, but even with college credits under my belt, I'm not qualified to understand the vast majority of what I need to make an informed decision. I spent years trying to understand the in's and out's of the world, then eventually scaled back my participation. While I understand the fringe issues, such as the Government having too much unilateral power, their decision to borrow foreign money to save our own, and their decisions to bolster huge cooporations in order to stop a domino effect, I don't understand the mechinisms that would have to be manipulated in order to change import/export policies or government politics and their ramifications.

*phew* Case in point *L*

Eventually, people become tired of even trying because they are desensitized to the flow of information (think sensory overload) as well as simply being caught up in just surviving their day-to-day lives. For the most part over the course of their lifetime, they've grown accustomed to hearing the doom-and-gloomers on the news. They've always managed to find a way out, and believe that this is more of the same. It's clearly not. Myself and my family have made financial moves to secure ourselves in the event of a financial collapse, but most haven't.

Ok....tangent/off *L*

I do know this: I was in favor of the war. I've avoided these debates on here like the plague. I'll only say that I felt as though once we had our lego-blocks knocked over, we had to get up and kick a little tail. Doing nothing invited more of the same IMHO. However, as vital as the war is to ensuring world peace, that money needs to be spent on this soil. I couldn't agree with you more.

At the risk of sounding like a hippy, I'm a believer in a grass-roots approach. Teach people how to stop giving to other countries and start giving to our own. We send how many millions of pounds of food and charity goods to other countries? Those resources need to be spent here. We take and take and take financially, never bothering to care about how it effects us or our country down the road. Fix that problem and the problems we have now will eventually go away. And yes, government spending is WAY out of control.

So, we all have at least a minimal grasp of at least one problem in this country. The question is how do we go about finding that ONE thing that hit's each of us in THAT perticular place which will make us go into action?

Like the rest of it, I may not be a smart enough man to find that answer


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job.............I am not going to pretend I am smart enough to figure out the answers to our government's problems. I'm just a regular guy.

However, I started this thread and almost demanded responses on our nation's staggering economy. Michelle and Toad asked me what I thought. Some of what I said may be sound, some may be grandiose.

As I said, I am no expert. On the other hand, I am not ignorant either. I want my politicians/leaders to be accountable. And I want to demand that we hear answers instead of the same old spiel and muck-raking campaigns that are the norm.

Damn it...............I want reform. And I want accountability. I have to be more accountable than politicians are.....and I am a freaking teacher! I have to document everything. I want to put an end to this ridiculous overspending that is putting future generations of Americans at risk. And because I vote...........I can accomplish that. You see.......as much as I bitch about America.....I'm still damn glad I live in this country. Some may say that an individual can't make a difference. But.........Together...........we can!

My message.....Demand accountability form those we elect! Demand reforms. Stop the BS campaigns of not saying much of anything and slandering one's opponent. WE WANT CHANGE!


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Good stuff. I really enjoyed reading that. And I gained a lot more respect for you as a person because of it.

Toad, I am very well off financially. I own two homes, lake front property that is worth big bucks, and I have a Benz, Beemer, a 4 X 4 Truck for our boat, and two year-old Honda Accords for my kids in my garage/driveway. I own land and have done well in the market. I made almost $300,000 on the house I bought on the island I was living on for less than two years.

But..............my kids are in college and I worry about their future. I worry about a government that has gone amok. I haven't dined w/Presidents like you have. Nor am I as sophisticated. What I do know is that change is needed. And brother, change won't happen if we all, especially those who have some intelligence, keep our heads in the sand.

Thank God we live in a great country where we can openly discuss these matters. The people have a voice. My hope is that they express it.


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$53 trillion folks. That comes out to something like $440,000 for each household in the country




Not to dispute your big picture point but numbers like 53 trillion? Thats why I can't get to worked up over projections like this. Who came up with this number? What were their motives? Truthfully,I don't think anybody really can come up with an accurate number. I mentioned before my daughter had an appendectomy. The hospital and docs billed nearly 40 grand. They happily settled with the insurance company for under 14 grand. What was the cost of that operation? How much do we spend on health care now? Who really knows?

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Don't miss the forest for the trees.


"What lies behind us and what lies before us are small matters compared to what lies within us."
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Like the rest of it, I may not be a smart enough man to find that answer




It goes back to something I said a few posts back. I don't think we, or a person can fix it any longer.

In our hellbent effort to spread the American way, we lost the ability to control the American way and turned it over to market forces out of our control.

We have tied in to so many global forces by giving away things we had, that we now find those ties tightening around our neck.

I agree wholeheartedly that we need to spend on our own soil. We now have lot's of people and things that need some fixing at home.


If everybody had like minds, we would never learn.

GM Strong




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You know it's really getting bad when you see things like this:


Bus Tours Show Properties in Foreclosure

Mar 26 02:47 PM US/Eastern
By ADRIAN SAINZ
AP Business Writer


ORLANDO, Fla. (AP) - The white bus rumbles into the quiet suburban neighborhood, heading toward a foreclosed home that sits empty. Neighbors, young and old, their heads in curiosity or point at the slow-moving coach.

Once the vehicle stops, about 20 potential buyers file out and become detectives, opening and closing cabinets and drawers, knocking on walls and asking about the price, the previous owners and what repairs may be needed.

Welcome to the Foreclosure Bus Tour, a six-hour expedition to show Orlando-area homes and educate potential buyers on the vagaries of snatching foreclosures in a state where the housing market has struggled over the past two years. Real estate agents have also organized tours in California, where the idea seems to have originated, and cities such as Phoenix, Detroit, Kansas City and Jacksonville.

The Orlando prospects included working-class people looking for a family home, speculators seeking a bargain investment and even a Brit trying to take advantage of the weak dollar. To avoid embarrassing owners, the bus stops only at empty homes.

"I thought it would be nice to have a look at some American houses all at once, see how the market works," said Geoff Lamont, a London tanker truck driver who was on vacation and dreams of moving to Florida with his wife.

"You see some nice, nice properties that are much cheaper than you can get in the U.K. It's been good. You can get a feel for how a place is," said Lamont, 50.

The homes were in the market after lenders took them over from owners who failed to make mortgage payments. In February, Florida trailed only Nevada and California in the percentage of homes in foreclosure. RealtyTrac Inc. said 32,447 homes were in foreclosure statewide in February, up more than 69 percent from February of last year and up more than 7 percent from January.

For Janice Ziesig, owner of Z House Realty Group in Orlando, the tours present allow her to show homes to many people at once. A cost of $45 per person or $65 per couple covered the tour, house information, teaching sessions, a continental breakfast and lunch at Applebee's. Everyone on the bus said the fee was worth it.

The March 15 tour also included a mortgage broker; a home inspector who pointed out details such as structural issues, water damage and electrical problems; an attorney who answered questions about title insurance and short sales; and real estate agents with information on square footage, when the home was built and other key information.

The group dynamic, with 20 people from different backgrounds and income levels, made for constant dialogue between prospective buyers and the experts.

"A day like this is a great laboratory and a great classroom, and it almost gives you a stepping-off point that when you do go to buy, it gives you areas you need to dig deep into," said Ken Nuckols, who was looking for a home.

The first house—in a subdivision with single-family homes, tennis courts and abundant green space—was an example of a fixer-upper that needs "a little lipstick and rouge," Ziesig said. At $201,000, the three-bedroom, two-bath home that was built in 2003 looked fine from the outside, but inside it had visible water damage on the walls, carpet stains and other issues.

Some were intrigued at the low price and the chance to fix it up. Others weren't.

"Either it was people who weren't very careful when they ripped stuff out or the people who owned it just didn't take care of it at all," Nuckols said. "You would have to invest quite a bit of money to bring it up to a standard that you would want."

The second property, a two-story home with four bedrooms and three baths, drew raves because it was so well-maintained. Built in 2004, the 2,514-square foot, two-story home was a relative bargain at $257,000.

Between stops, mortgage broker Cecil Moore answered questions on home loans and risk, telling the riders to get a deal that fits their budget to avoid foreclosure themselves.

"Go with your gut instinct," Moore said. "If you feel like something is not right with your financing or any aspect of the transaction, it's important to feel like ... you have the ability to bring things to a halt."

A few stops later, the bus arrived in a neighborhood where homes were much older. Homes with nice lawns and updated exteriors were peppered among others with sagging rain gutters and peeling paint.

Built in 1985, the three-bedroom, two-bath home with 1,543 square feet was rife with repair issues, including a pool deck that directed water toward the home instead of away. That made the $169,000 price just a starting point.

Kim Douglas Moore, a home inspector who is no relation to Cecil Moore, estimated that the home needed more than $30,000 in repairs.

Across the street, a woman and two girls sat in their front yard, and another neighbor came walking by. They were not enthusiastic about the traffic problem the bus's presence caused and having its passengers milling about.

"If it came through every day, it would be annoying because there's kids playing here all the time," said neighbor Jennifer Mastin.

Tour participant Beverly Frazier, of Poinciana, said she wanted to buy homes to rent, and had no misgivings about buying a home that once belonged to someone who couldn't meet loan obligations.

"It doesn't affect me because you didn't do your homework and you didn't budget properly," Frazier said. "When you purchase a home you have to know that it's a big commodity and you have to actually take care of it and do research on it."

The tour ended after seven homes, and while Ziesig received no concrete offers for any of the homes, she was happy she was able to make home buying more fun and accessible to potential buyers. She plans tours in April and May, and even wants to have a bilingual tour for Spanish-speakers.

"It's turning out just the way it's supposed to," Ziesig said. "We wanted to do something different. We wanted to teach people. People are interested. It gets people to call."


http://www.breitbart.com/article.php?id=D8VL9M180&show_article=1

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Creepy.


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Thanks......funny....I heard something about this on the radio the other day.


If everybody had like minds, we would never learn.

GM Strong




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Well............it looks like I killed this thread. *L* I guess I should have let you go on about personal credit and debt.

But, I am a freaking hard head, so I am going to try one more time.

Guys, I surely don't have all the answers. I'm just an old football coach and I am not going to pretend to know all the answers. But, I do know this:

---Our National debt is out of control. Borrowing money from China and Japan to finance the war is ludicrous.

---We have a say because we vote. If the American people demand answers from their politicians, then we will get them. Btw......they are the ones who should be smart enough to come up w/some resolutions.

---We, the people, need to make our voices heard. I'm sick of hearing all the labeling and slandering of political campaigns. I'm sick of hearing comments that are designed more not to offend anyone rather than provide any real answers. Peen says it's too late. I refuse to believe that. We're Americans. We don't give up. We can force change. And I'm not talking about some whacked-out revolution. I'm talking about reforming our political parties. I'm talking about demanding accountability. I'm talking about addressing the real issues that face this country.


Is anyone w/me?

If not...........you all can go back to talking about credit cards and please excuse my interruption.


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Quote:

Is anyone w/me?



YEAAAHHHH
Hell no, we won't go! Hell no, we won't go! He...
I'm sorry, am I in the wrong line?


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I agree 100% with you, Vers. The time for Revolution is now.


I am unfamiliar with this feeling of optimism
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The thread isn't dead, some of us are just working hard to get everything done so we don't have to worry about it for the weekend. And, a lot of slackers take off work and go out and play on Fridays.

I agree there needs to be reform. I think one of the problems is that those of us who want it greatly differ in the kind of reform we want. I'm very Libertarian in many of my views. A lot of people think that's wacky and don't want the country to go in that direction. I think other's are just as crazy for desiring what they do.

We all want things to be different, but in a lot of different directions. It's hard to forge change when that is the case.

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Quote:

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$53 trillion folks. That comes out to something like $440,000 for each household in the country




Not to dispute your big picture point but numbers like 53 trillion? Thats why I can't get to worked up over projections like this. Who came up with this number? What were their motives? Truthfully,I don't think anybody really can come up with an accurate number. I mentioned before my daughter had an appendectomy. The hospital and docs billed nearly 40 grand. They happily settled with the insurance company for under 14 grand. What was the cost of that operation? How much do we spend on health care now? Who really knows?




David Walker, Comptroller of the U.S. gov't. (I believe he just retired a few weeks ago).

http://www.gao.gov/cghome/dwbiog.html
http://www.ft.com/cms/s/0/80fa0a2c-49ef-11dc-9ffe-0000779fd2ac.html?nclick_check=1
http://www.cbsnews.com/stories/2007/03/01/60minutes/main2528226.shtml

If you do a google search of David Walker, you'll find plenty of articles and info. These 3 I linked to were just the first 3 I found.

He does know of what he speaks.

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Good point. And that is a reason that I am not a member of either party. I choose the best man--or woman--for the job. It's just hard anymore because by the time they get done slandering one another, we feel like all the candidates are tainted. It becomes even more difficult because that politicians have learned not to make a strong stand on any issue. The chance of offending a particular group is too risky.

Jules, I do think the one thing that the middle class of America can agree on is that our national debt is a huge concern. The future of our children and grand children is in jeopardy. The future of our country is in peril. It's true that many of us will never agree on certain issues such as Healthcare, but I think we can agree on trying to reduce our national debt.

I think reducing the national debt needs to be in the platform of all of all our national politicians. I think that we can demand they address this issue. And then we can judge them when they come up w/their ideas.

Is that far-fetched?


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I think reducing the national debt needs to be in the platform of all of all our national politicians. I think that we can demand they address this issue. And then we can judge them when they come up w/their ideas.

Is that far-fetched?




Unfortunately, yes. It is far fetched. To run on a platform like that a candidate would have to promise cuts in spending. That doesn't bring votes, even though the majority of us know it is necessary. (at least I hope a majority does).

Campaigning on the "here's how I'm going to help this group, and that group, and that other group - we're going to spend money on this program and that program, we're going to buy your vote" platform is what gets votes. Give the gov't a dollar, they'll tell you they need $1.20.

Their isn't a problem in this country that gov't. doesn't think it can fix with more money, damn the future.

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I think for some people that is far-fetched. They don't understand the big picture -- they only understand what is happening to their personal lives and personal finances (and, half of them don't know how to fix that)! To me, that's simple ignorance.

I think things will eventually straighten back out if our country can stop spending money like we have it. Big IF, I know. I'm very worried, but I'm not ready to declare the sky falling just yet. It's damned close, but not yet.


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Unfortunately, yes. It is far fetched. To run on a platform like that a candidate would have to promise cuts in spending. That doesn't bring votes, even though the majority of us know it is necessary. (at least I hope a majority does).




Of course the a lot of people know we need to cut spending. The problem is, nobody wants to cut funding that directly effects them. Just look at our board members. Guys like Pitt and GM are huge proponents of government cutbacks, but at the same time, they want government assistance for healthcare because they are near the retirement age. Some of the educators here want less spending, but don't want education spent. The military guys here probaly want less spending, but don't think the military should take cuts. etc.

Part of the problem with cutting government spending is that departments that get that money will cut the programs that effect the country most before they cut the programs that are actually wasting the money. I've heard the saying in the military is if you need money for a new airport and get $20 million dollars ... You spend $20 million first on buidling the support structures and then ask for more so you can build the runway. Similar thing happens in education. The first cuts made will be to teachers ... when the administration is what's bloated and takes up 20% of the budget.

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Many people say they want the budget cut however, they don't want the things they feel are important cut. The guy next door doesn't want his piece of the pie cut and on and on. We are going to have to make some sacrifices and start showing some responsibility from the bottom up for any chance of making things better.

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Quote:

Many people say they want the budget cut however, they don't want the things they feel are important cut. The guy next door doesn't want his piece of the pie cut and on and on. We are going to have to make some sacrifices and start showing some responsibility from the bottom up for any chance of making things better.




Jules, I'm starting to feel sick to my stomach. I agree with you.

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Ewww, is there a full moon?

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As you said, everybody wants their cut, and really aren't interested in losing something they want.

The only real change that will happen is when things crash and people are forced to accept less.


I guess if I had to start somewhere, I would cut all overseas aid.

If we are dead set on spending the money, it might as well go towards building roads and dams, or boost funding towards solving our energy needs.

We have to do that before everybody is pulled around in a ricksha.


If everybody had like minds, we would never learn.

GM Strong




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Jules, I'm starting to feel sick to my stomach. I agree with you.



I said basically the same thing too ... which means you agree with me as well. You off to take a long shower?

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Quote:

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Jules, I'm starting to feel sick to my stomach. I agree with you.



I said basically the same thing too ... which means you agree with me as well. You off to take a long shower?




Please refs, it's time to lock this thread before things get completely out of hand.

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If the economy is that bad why am I going to work at 7:30 in the morning, getting home at midnight, yet still can't keep up with the demand


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My guess is because interest rates are down. Are you seeing better rates right now?


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Hehehe....Trust that I'm hardly sophisticated. I think you confused "sophisticated" with "sophistry"

I'd no idea you'd acheived those things in your life. I'm glad you've managed to cut out your piece of the American dream (and that you were smart enough to buy your girls the right starter cars ). Worrying about their future is the right thing, as too many people get stuck living in the present, and don't worry enough about the future. Very commendable


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Here is what VD said....
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Hmmm...........that's an interesting article. I'm sure some will dismiss it, but there are some good points in it. And it is precisely why I started this thread to begin with.

Arch, there are two key points for me:

1. This is not breaking news and our leadership has known about it for years. However, they have done nothing about it. I think we all know why.

2. It really doesn't matter what side of the political fence you are on. I was trying to get that point home on the 4,000 Dead thread. The fact is that the American public has been lied to by our "leaders" for years.

Guys......I am not rich, but I am sitting pretty financially. However, this is my country and my kids are here. My extended family and friends are here. It's time that something is done about it. It's time for our leadership to be held accountable. It's time to quit blaming the general public for all of our ills.

This countries financial problems go way beyond frivolous spending and family mismanagement of money. We got way bigger problems and damn it........something needs to be done!


"

A serious market correction takes place whenever the market is overvalued. The housing market was severely overvalued and many of us failed to read the fine print on our loan packages.
Are we claiming the lender[s] are blameless for the game of paper buying? No, but we all know that many of our 401Ks are littered with mortgage holdings which made us money and now is about to cost us money. We all participated in the game...those who really didn't realize that they were being set up for a short term gain with a long term calamity possibility never should have been in the mortgage game anyway...they did not educate themselves prior to making the single largesat purchase of their lives.

Have many lenders been unscrupulous in their behavior...yes, have some been criminal...yes! Have some owners allowed themselves to be greedy and overbuy a home that they would struggle to pay off? Yes.

Let the market play out...the homeowners who lose will be badly hury but not killed. Learn the lessons of capitalism and don't interfere with the business cycle by adding new regulations...just prosecute the old rules.


The American people will never knowingly adopt Socialism. But under the name of 'liberalism' they will adopt every fragment of the Socialist program, .
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Here is what VD said....




I'm sorry but that made me


We don't have to agree with each other, to respect each others opinion.
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Unfortunately, yes. It is far fetched. To run on a platform like that a candidate would have to promise cuts in spending. That doesn't bring votes, even though the majority of us know it is necessary. (at least I hope a majority does).




Of course the a lot of people know we need to cut spending. The problem is, nobody wants to cut funding that directly effects them. Just look at our board members. Guys like Pitt and GM are huge proponents of government cutbacks, but at the same time, they want government assistance for healthcare because they are near the retirement age. Some of the educators here want less spending, but don't want education spent. The military guys here probaly want less spending, but don't think the military should take cuts. etc.

Part of the problem with cutting government spending is that departments that get that money will cut the programs that effect the country most before they cut the programs that are actually wasting the money. I've heard the saying in the military is if you need money for a new airport and get $20 million dollars ... You spend $20 million first on buidling the support structures and then ask for more so you can build the runway. Similar thing happens in education. The first cuts made will be to teachers ... when the administration is what's bloated and takes up 20% of the budget.




Exactly what I was trying to say - you just said it better.

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Like the rest of it, I may not be a smart enough man to find that answer




It goes back to something I said a few posts back. I don't think we, or a person can fix it any longer.

In our hellbent effort to spread the American way, we lost the ability to control the American way and turned it over to market forces out of our control.

We have tied in to so many global forces by giving away things we had, that ÃŒe now find those ties tightening around our neck.

I agree wholeheartedly that we need to spend on our own soil. We now have lot's of people and things that need some fixing at home.




Yup. Focusing inside our own borders would go a LOOOONG way into fixing all this.

Maybe it's about time the rest of the world fends for itself......


***Gordon, I really didn't think you could be this stOOpid, but you exceeded my expectations. Wussy.
Manziel, see Josh Gordon. Dumbass.***
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Maybe it's about time the rest of the world fends for itself......




I've been saying this for years. Of course, if we do that, we'll be even more hated than we are.


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I quit caring about what the rest of the world thought about us long ago.

We aren't a perfect country, but we try to do more good worldwide than any other nation. Let them hate us.

You know exactly who the UN would look towards when a country needed help........


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I think it's interesting that you think that it's the schools responsibility to teach our youth about money, finances. Is it the schools responsibility? You want the schools to do everything... Yet you don't believe teachers are qualified to teach the basics...? Like you wrote, teach them yourself.

Your educational priorities are out of alignment as are your expectations... You are sending conflicting messages and or are being hypocritical...

Generally, the economy is in the shape it's in for very simple reasons. Our leaders and govt have been living/spending way beyond their means for nearly 8 years now. People and the gov't don't pay themselves first and save a proper amount of their income. Budgets are real and are more than guidelines... Until our county and people have cash and start living at levels that are acceptable to their means we will all suffer somehow... Every decision affects us all somehow... Remember cash is king, pay yourself first and just say no to credit card balances. If you can write a check for it or pay cash for something you really can’t afford it

IMO, with the exception of your home, rental or income/investment/business property or opportunity or a depreciating, commodity item you need for your business you shouldn’t finance.

For all our sakes don’t use our govt as an example as to how to manage your personal or business finances…

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I think it's interesting that you think that it's the schools responsibility to teach our youth about money, finances. Is it the schools responsibility? You want the schools to do everything... Yet you don't believe teachers are qualified to teach the basics...?



No, that's not what I said... what I said is that I find it odd that they want to teach about "real world" moral issues like sex and drugs but they don't really touch on money and debt and savings. and I used the operative word "IF" they are going to teach about moral issues, shouldn't finances be included... I didn't say or imply that I WANT them to teach about any of that stuff...

And for the record, I think teachers are absolutely qualified to teach the basics, if only the bureaucrats would get out of their way AND LET THEM TEACH.


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