You may want to make a case that the Tea Party idea of much smaller, much less expensive government is an easy sell along these lines:

1. Nobody likes paying taxes, so telling people you are for low taxes or no taxes is an easy sell — everybody will go along with that — down with taxes.

2. The government actually never delivers anything of value to you or anybody you have ever known. Nobody on your block, nobody in your city has ever gotten anything of value from the Federal government. So, the massive failure of government programs to innovate value is a basis for called the Federal government an economic black hole and paring it down to 10% or 20% of its present size. If it doesn’t work, toss it, or sell it on Ebay, or give it to charity.

3. 2. Right now the top 1% of rich people own almost half of the wealth in USA. But that’s because the country is full of socialism and communism — if there were any real fairness, the top 1% would own 85% of the wealth, like they do on Hong Kong Luna. That would be true capitalism — and people will see how well it will work — how stable the country will be. 15% of the national wealth would be left for the bottom 99% to divide among themselves — if they want more they should just work harder, like the hedge fund traders did to get their wealth, and the oil company executives, and the payday lenders, and the mortgage derivatives securitizers. Day old bread and government cheese is perfectly good after all. So let’s have unfettered capitalism for the first time — let’s really give the free market a chance. Not peace though, we need those wars to sell more services and weapons to the government.

These are just three possibilities — I want your ideas, I know my own ideas, yours are the one’s I’m asking for here.

Or, on the hard sell side, you might say:

1. This is not the right time, when 100 million Americans are living in the Great Recession, and about to lose their homes, or their jobs, or their health insurance to tell people that the government is doing far too much for them, it’s Nannying them too much, they would be better off if the safety nets were removed, so they could experience even harder times, less food, less shelter, less medical care, less social services, they could enjoy the wonderful experience of dying in pain, which might really teach them a lesson and improve their characters, they would be such lazy slugs after they were dead.

2. The Federalists won their debate with the Anti-Federalists, so we have a Federal government. It’s too late to re-visit that issue after 240 years. Also, the New Deal did occur, so it’s too late to re-litigate whether or not there should be a plethora of agencies in Washington — they have existed since the 1930′s — about 80 years, it’s just too late to try to dial the country back to the Hoover Era, or the Robber Baron Age, or the Gilded Age, even though one might pine for those days and want to be a Throwback, maybe a re-enacter.

Again, these are just two suggested approaches — maybe you could quote from Milton Friedman, or Ayn Rand, or Robert Anson Heinlein, or any number of scholars at the CATO Institute, or from the Koch Brothers.

Anyhow, you know what to say to make your own case for the Tea Party as an easy sell, or as a hard sell.

How do you feel? Is it an easy sell or a hard sell?

Do you have any reasons for your position?

They don’t have to be proof, just your reasons why you think it’s an easy sell, or a hard sell.

 

Are Tea Party Ideas an Easy Sell or a Hard Sell in USA in 2010?
You may want to make a case that the Tea Party idea of much smaller, much less expensive government is an easy sell along these lines:

1. Nobody likes paying taxes, so telling people you are for low taxes or no taxes is an easy sell — everybody will go along with that — down with taxes.

2. The government actually never delivers anything of value to you or anybody you have ever known. Nobody on your block, nobody in your city has ever gotten anything of value from the Federal government. So, the massive failure of government programs to innovate value is a basis for called the Federal government an economic black hole and paring it down to 10% or 20% of its present size. If it doesn’t work, toss it, or sell it on Ebay, or give it to charity.

3. 2. Right now the top 1% of rich people own almost half of the wealth in USA. But that’s because the country is full of socialism and communism — if there were any real fairness, the top 1% would own 85% of the wealth, like they do on Hong Kong Luna. That would be true capitalism — and people will see how well it will work — how stable the country will be. 15% of the national wealth would be left for the bottom 99% to divide among themselves — if they want more they should just work harder, like the hedge fund traders did to get their wealth, and the oil company executives, and the payday lenders, and the mortgage derivatives securitizers. Day old bread and government cheese is perfectly good after all. So let’s have unfettered capitalism for the first time — let’s really give the free market a chance. Not peace though, we need those wars to sell more services and weapons to the government.

These are just three possibilities — I want your ideas, I know my own ideas, yours are the one’s I’m asking for here.

Or, on the hard sell side, you might say:

1. This is not the right time, when 100 million Americans are living in the Great Recession, and about to lose their homes, or their jobs, or their health insurance to tell people that the government is doing far too much for them, it’s Nannying them too much, they would be better off if the safety nets were removed, so they could experience even harder times, less food, less shelter, less medical care, less social services, they could enjoy the wonderful experience of dying in pain, which might really teach them a lesson and improve their characters, they would be such lazy slugs after they were dead.

2. The Federalists won their debate with the Anti-Federalists, so we have a Federal government. It’s too late to re-visit that issue after 240 years. Also, the New Deal did occur, so it’s too late to re-litigate whether or not there should be a plethora of agencies in Washington — they have existed since the 1930′s — about 80 years, it’s just too late to try to dial the country back to the Hoover Era, or the Robber Baron Age, or the Gilded Age, even though one might pine for those days and want to be a Throwback, maybe a re-enacter.

Again, these are just two suggested approaches — maybe you could quote from Milton Friedman, or Ayn Rand, or Robert Anson Heinlein, or any number of scholars at the CATO Institute, or from the Koch Brothers.

Anyhow, you know what to say to make your own case for the Tea Party as an easy sell, or as a hard sell.

How do you feel? Is it an easy sell or a hard sell?

Do you have any reasons for your position?

They don’t have to be proof, just your reasons why you think it’s an easy sell, or a hard sell.

 

Are Tea Party “Principles” Likely to be Well Accepted on 2 November 2010?
Are Tea Party Ideas an Easy Sell or a Hard Sell in USA in 2010?
You may want to make a case that the Tea Party idea of much smaller, much less expensive government is an easy sell along these lines:

1. Nobody likes paying taxes, so telling people you are for low taxes or no taxes is an easy sell — everybody will go along with that — down with taxes.

2. The government actually never delivers anything of value to you or anybody you have ever known. Nobody on your block, nobody in your city has ever gotten anything of value from the Federal government. So, the massive failure of government programs to innovate value is a basis for called the Federal government an economic black hole and paring it down to 10% or 20% of its present size. If it doesn’t work, toss it, or sell it on Ebay, or give it to charity.

3. 2. Right now the top 1% of rich people own almost half of the wealth in USA. But that’s because the country is full of socialism and communism — if there were any real fairness, the top 1% would own 85% of the wealth, like they do on Hong Kong Luna. That would be true capitalism — and people will see how well it will work — how stable the country will be. 15% of the national wealth would be left for the bottom 99% to divide among themselves — if they want more they should just work harder, like the hedge fund traders did to get their wealth, and the oil company executives, and the payday lenders, and the mortgage derivatives securitizers. Day old bread and government cheese is perfectly good after all. So let’s have unfettered capitalism for the first time — let’s really give the free market a chance. Not peace though, we need those wars to sell more services and weapons to the government.

These are just three possibilities — I want your ideas, I know my own ideas, yours are the one’s I’m asking for here.

Or, on the hard sell side, you might say:

1. This is not the right time, when 100 million Americans are living in the Great Recession, and about to lose their homes, or their jobs, or their health insurance to tell people that the government is doing far too much for them, it’s Nannying them too much, they would be better off if the safety nets were removed, so they could experience even harder times, less food, less shelter, less medical care, less social services, they could enjoy the wonderful experience of dying in pain, which might really teach them a lesson and improve their characters, they would be such lazy slugs after they were dead.

2. The Federalists won their debate with the Anti-Federalists, so we have a Federal government. It’s too late to re-visit that issue after 240 years. Also, the New Deal did occur, so it’s too late to re-litigate whether or not there should be a plethora of agencies in Washington — they have existed since the 1930′s — about 80 years, it’s just too late to try to dial the country back to the Hoover Era, or the Robber Baron Age, or the Gilded Age, even though one might pine for those days and want to be a Throwback, maybe a re-enacter.

Again, these are just two suggested approaches — maybe you could quote from Milton Friedman, or Ayn Rand, or Robert Anson Heinlein, or any number of scholars at the CATO Institute, or from the Koch Brothers.

Anyhow, you know what to say to make your own case for the Tea Party as an easy sell, or as a hard sell.

How do you feel? Is it an easy sell or a hard sell?

Do you have any reasons for your position?

They don’t have to be proof, just your reasons why you think it’s an easy sell, or a hard sell.

 

I just moved from a bad situation with my family to a brand new state and life. Unfortunately, the move was from Arizona to Minnesota. I am FROM Alabama, and that is where my family lives. Anyway, all that I have here in MN are clothes that I could wear in the desert (shorts, t-shirts, etc.)….not going to be great come winter….my family will not send me any of my warm clothing, and I have a very limited supply of money. Does anyone know of any websites where I can find cheap clothing that is still well-made and warm? I am already using Ebay…I greatly appreciate any help!

 

Sorry Joe the Plumber but that new bathroom downstairs will have to wait, I have interest to pay off. I know I know it is not your fault I took the loan but freedom is not free, sorry. That is my plan, if it is not food I am not buying, well maybe a beer but I guess that is food. If I cannot help myself with shopping habits I will shop at a pawn shop, ebay, or yard sale.

 

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This thread has no particular purpose. I was compiling some profit stats on various companies and the list kept growing. I thought I’d share it with you. Draw your own conclusions.

The first figure is for net income for the last full fiscal year (in $ billions)
The second figure is for the market capitilzation as of 3/5/10 (in $ billions)

0.076 …. 1.1 …. BKS …. Barnes & Noble
0.116 …. 3.6 …. NFLX …. Netfix
0.205 …. 2.7 …. RSH …. Radio Shack
0.249 …. 2.7 …. AOL …. AOL
0.387 …. 18.4 …. ADBE …. Adobe
0.598 …. 22.5 …. YHOO …. Yahoo
0.731 …. 11.1 …. MHP …. McGraw-Hill
0.902 …. 57.3 …. AMZN …. Amazon
1.003 …. 16.2 …. BBY …. Best Buy
1.071 …. 16.4 …. YUM …. Yum (Taco Bell)
1.302 …. 9.5 …. CI …. Cigna
1.304 …. 24.0 …. GIS …. General Mills
1.433 …. 27.2 …. DELL …. Dell
1.487 …. 33.3 …. NKE …. Nike
1.707 …. 40.0 …. MS …. Morgan Stanley
2.006 …. 34.5 …. WAG …. Walgreens
2.389 …. 32.0 …. EBAY …. Ebay
2.468 …. 35.1 …. TWX …. Time Warner
2.717 …. 43.8 …. F …. Ford
3.021 …. 43.4 …. KFT …. Kraft Foods
3.822 …. 39.1 …. UNH …. United Health Group
4.369 …. 114.8 …. INTC …. Intel
4.551 …. 68.7 …. MCD …. McDonald’s
4.746 …. 27.6 …. WLP …. Wellpoint
5.593 …. 125.0 …. ORCL …. Oracle
5.704 …. 198.5 …. AAPL …. Apple
6.134 …. 144.3 …. CSCO …. Cisco
6.520 …. 179.4 …. GOOG …. Google
6.824 …. 126.0 …. KO …. Coca Cola
7.660 …. 122.7 …. HPQ …. HP
8.055 …. 194.3 …. BRK.A …. Berkshire Hathaway
8.635 …. 141.1 …. PFE …. Pfizer
10.483 …. 149.1 …. CVX …. Chevron
11.025 …. 174.5 …. GE …. GE
11.728 …. 170.1 …. JPM …. JP Morgan Chase
12.266 …. 176.7 …. JNJ …. Johnson and Johnson
12.275 …. 151.0 …. WFC …. Wells Fargo
12.535 …. 147.5 …. T …. AT&T
13.346 …. 185.0 …. PG …. Procter & Gamble
13.385 …. 85.9 …. GS …. Goldman Sach
13.425 …. 165.3 …. IBM …. IBM
14.335 …. 206.0 …. WMT …. WalMart
14.569 …. 250.7 …. MSFT …. Microsoft
16.578 …. 174.4 …. BP …. BP
19.280 …. 314.2 …. XOM …. Exxon

Message Edited by Flash-in-the-pan on 03-11-2010 01:45 PM

Feb 252010
 

Ok, here’s my situation. I’ve finally, after about 4 years, obtained a steady job making a decent wage with OT and a monthly bonus.

 

From 2001 to 2005, I had my own online business: a website and I sold on eBay. I was grossing 6 figures. I was living as though I was netting the same amount when in fact, I was only bringing home about $30k a year. My FICO was always in the 700s. Good, not great. I was able to manage and juggle my bills. Paid them on time up to 2005 when I went through a sudden change in life and lifestyle. I broke up with my fiancee, my business went under and my finances/credit imploded before my eyes.

 

I haven’t used a credit card since 2006, (just started using an ATM card for the 1st time in 3 years) around the time I made my last payment on any of them. I had 2 Citicards, Discover, Amex, 2 BofA/MBNA accts. Some where used for business. Others, for pleasure: European trips, eating out 3 or 4x a week, etc. Living like a prince when I was really a pauper.

 

To give a bit of perspective, I was a dreaded bill collector (boo and hiss!!!) before starting my online retail business. I understand credit and have seen the good and the BAD of it. I’ve helped a lot of people out with their bills. I was usually the “friendly” bill collector who settled nearly every account, received letters from debtors thanking me for helping them. But, I digress…

 

When my business went belly up, I had two choices: file bankruptcy or not. This was about a year or so before they changed the bankruptcy laws and made is a tad harder to file. I decided to go the route of not filing bankruptcy… and not paying my bills. I really had no choice. I went from wining and dining every weekend to living in my brother’s rental property for $200 a month in the ghetto. Other than some small bills that I was able to keep from charging off, I have about $63,000 in charged-off debt. This does’t count what I still owe the tax man.

 

I checked my FAKO FICO on EXP the other day. It was 619. My gf, who has a lot of debt, 2 collection accts and was late on student loans has a 588. She was pissed when she saw it. I was shocked. I swore my score would have been about 450!

 

Well, here’s the whole point of this post, as you may have figured out, I’m riding out the next 2 to 3 years before all or most of my charged-off accounts age off my CBR. I am making a decent salary now and finally rebuilding my savings, helping my gf pay off her smaller debts and saving up for a house. Should I DV any of the charge-offs now on my CBR or ride out the next 3 years or so when they fall off? Should I, for those that I can afford to, PFD?

 

I have 2 small Citi balances between $1000 and $2500. These have both been charged-off for 4 years now. They have both been bought by Pinnacle. Actually, one of the CAs I worked for has one of the accounts. What % should I offer to settle these accounts for? I know CAs always try to get the highest %, but I’m adept at negotiating. :0) Since Pinnacle usually pays 5 to 10 cents on the dollar, should I offer 20% to SIF/PDF? I have a BofA account that is about $35k. What’s the going percentage with the age and amount of debt like that?

 

I am on the path to getting my finances back in order, a safety net of $avings in the bank and eventually my FICO back up in the 700s. It is best to contine to ignore these charge-offs or should I PFD via SIFs? It would take me 4 to 6 years to pay back every dime I owe out.

 

Looking forward to your advise and insight.Thank you!

 

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