Dezie, I am really curious now!!! I don't know how things work over there, but I remember in a previous thread of yours, that your are "renting to buy". It is NONE of my business, I know, but how do you make ends meet? You say you don't have a career, yet you are paying college students to do your garden, and planning to get in Landscapers, and put up new sidings, and buy a Smartcar..tell me your secret!!! Does your Fiancee have a job? It must cost a packet to have the pets you do, and vet bills are notoriously high now. If you can juggle all these expenses, and still be solvent, you should apply for a job with GWB, running the country's finances!!! Seriously, tell me how you do it..it gets harder every day, the World over, including here in Spain!! Nick
------------------ fierofetish.PFF'S self-confessed Snowbird!! Responsibility: the solution for our World's Dilemmas.. Yahoo messenger:nickcannspain MSN Messenger-nicholascann@hotmail.com
[This message has been edited by fierofetish (edited 10-23-2005).]
Dezie, I am really curious now!!! I don't know how things work over there, but I remember in a previous thread of yours, that your are "renting to buy". It is NONE of my business, I know, but how do you make ends meet? You say you don't have a career, yet you are paying college students to do your garden, and planning to get in Landscapers, and put up new sidings, and buy a Smartcar..tell me your secret!!! Does your Fiancee have a job? It must cost a packet to have the pets you do, and vet bills are notoriously high now. If you can juggle all these expenses, and still be solvent, you should apply for a job with GWB, running the country's finances!!! Seriously, tell me how you do it..it gets harder every day, the World over, including here in Spain!! Nick
She’s gainfully employed, she has 2 jobs, she models part time and she’s an IT specialist. Her income alone is over 60k a year. I myself am trying to figure out what I want out of life... I thought it was auto tech... and I was wrong... I’m thinking a Business Management degree... but my first love will always be photography... it just sucks that the industry has changed so and the days of the dark room are over. Except in my basement where I have a fully operational B&W darkroom... I even have one of those really cool rotating doors that never allow out side light in.
You see the economy only works if you keep spending… that’s why Sara and I spend so much money on so many things… if we don’t keep buying there wont be any money for others to spend… we both have jobs that aren’t going anywhere, so we save about 10% of our incomes… and pay the bills… but we spend the rest… we eat out, go to movies.
If every one thought the way we did, the economy wouldn’t be in the slump its in… We’re doing our part…are you?
[This message has been edited by dezie36 (edited 10-23-2005).]
You see the economy only works if you keep spending… that’s why Sara and I spend so much money on so many things… if we don’t keep buying there wont be any money for others to spend… we both have jobs that aren’t going anywhere, so we save about 10% of our incomes… and pay the bills… but we spend the rest… we eat out, go to movies.
If every one thought the way we did, the economy wouldn’t be in the slump its in… We’re doing our part…are you?
Thanks for the clarification!! It was just idle curiousity! Just don't forget, or at least realise, we get old quickly!! It seems like only 10 years ago that I was at your age, but it flew past..and I regret not saving sooner than I did!! You see, the problem is when you don't save until your later years, you then seem to be saving to pay future bills, adn not future security. When I look at all my friends who did save money, they are mostly in a better position for their old age than I, and the the same applies to friends who did the same as me. If you don't have a problem with working until the day you die, then it will be ok...providing your body will LET you do so!! ( and Society will permit you to keep your job!! There are always younger folk wanting your job) Nick
------------------ fierofetish.PFF'S self-confessed Snowbird!! Responsibility: the solution for our World's Dilemmas.. Yahoo messenger:nickcannspain MSN Messenger-nicholascann@hotmail.com
[This message has been edited by fierofetish (edited 10-23-2005).]
Nope, my Econ teacher in HS told me this... and if you use your brain it makes perfect sense.
For example... if every one stops buying cars then the car manufactures don’t make a profit... if they don’t make a profit they cant pay their employees... so they fire employees... those employees no longer have an income so they cant buy cars from the car manufactures thus hurting the companies profits even more, so they have to lay more people off.
Do you get where I’m going with this? This example can be applied to all businesses... video stores, grocery stores, computer stores, restaurants... ext.
That’s why Bush gave us our tax refunds early a couple years back (300 bucks yahoo)… his plan was to jumpstart the economy by giving us extra money to spend… duh!
[This message has been edited by dezie36 (edited 10-23-2005).]
My brain tells me if it wasn't for the fact that you're sponging off your girlfriend, you'd be living in a cardboard box somewhere.
You've been brainwashed like so many people in the western world. Spend, spend, spend... buy all that crap you don't really need.
One day when you really need that money, it won't be there.
Um, I work full time... if I didn’t live with her I'd be living in an apartment (or back with my parents in West Bloomfield…where it was easy for me to find a job)... not a box.
And if every one in the world just saved saved saved, there’d be no one buying things... which as much as I hate it, is how this society is set up... so Patrick you can either accept that and deal with it... or you can stay angry and try to insult those who have come to grips with the reality of the situation... because you cant change it. And to think otherwise is asinine and juvenile.
[This message has been edited by dezie36 (edited 10-23-2005).]
She’s gainfully employed, she has 2 jobs, she models part time and she’s an IT specialist. Her income alone is over 60k a year. I myself am trying to figure out what I want out of life... I thought it was auto tech... and I was wrong...[snip snip]
Just curious--how old are you?
quote
You see the economy only works if you keep spending… that’s why Sara and I spend so much money on so many things… if we don’t keep buying there wont be any money for others to spend…
Thank you so much Oh Benevolent Provider!! Now I know who to credit my meager success to.
quote
we both have jobs that aren’t going anywhere, so we save about 10% of our incomes… and pay the bills… but we spend the rest… we eat out, go to movies. If every one thought the way we did, the economy wouldn’t be in the slump its in… We’re doing our part…are you?
they sure are!! They're doing just like you. Buying what they want and spending like they want--On things like---say?- SUVs!?
This is just too much. You're pulling our leg--aren't ya? Gotta be.
Dezie, I am not trying to insult your intelligence. But you do realise that one day, you might get married to your partner, and then she will want to start a family, as I imagine you will, too. So, she loses her figure, has to have time off to have the child(ren), they will get sick, have accidents, go to school, you might have an accident preventing you from working for a long period of time (I sincerely hope not). There can, and WILL, be long periods of time when either, or both of you, will not be able to work, and the income will wither.You won't be able to keep up the payments on anything, and all that you HAVE invested in, will be gone.It is as cold, harsh and unbending as that, Reality. These are just words of advice, not condemnation. Yours to take, read, accept or reject. And just some advice given freely from one of those old Snowbirds that most young people choose to ignore, and ridicule (as I did too.) Good luck...I think you may need it. Nick
------------------ fierofetish.PFF'S self-confessed Snowbird!! Responsibility: the solution for our World's Dilemmas.. Yahoo messenger:nickcannspain MSN Messenger-nicholascann@hotmail.com
Dezie, I am not trying to insult your intelligence. But you do realise that one day, you might get married to your partner, and then she will want to start a family, as I imagine you will, too. So, she loses her figure, has to have time off to have the child(ren), they will get sick, have accidents, go to school, you might have an accident preventing you from working for a long period of time (I sincerely hope not). There can, and WILL, be long periods of time when either, or both of you, will not be able to work, and the income will wither.You won't be able to keep up the payments on anything, and all that you HAVE invested in, will be gone.It is as cold, harsh and unbending as that, Reality. These are just words of advice, not condemnation. Yours to take, read, accept or reject. And just some advice given freely from one of those old Snowbirds that most young people choose to ignore, and ridicule (as I did too.) Good luck...I think you may need it. Nick
Dude I’m 21 years old... I have 50 years of working a head of me... I never said I wanted a family... and if I choose too, by that point ill have a career and will have saved money... as I said we save 10% of our yearly income... right now there’s 12k in the bank... I sure hope that’s enough incase I brake my leg or get run over in my Fiero by an SUV (see I can bring in other threads for humor).
The point is you are all thinking of my life through your eyes... one day I’ll be married (maybe), one day ill want a family (maybe), one day I’ll get hurt and wont be able to work (maybe), these are all maybes... living my life by what might happen is one of those things I refuse to do.
My parents spent over 20k on physiologist appointments to get me to stop thinking that way... I was 9 years old with anxiety issues... because I was worried about my parents being able to pay the bills, I was worried about getting good grades... about being able to make something of my self... it took me 9 years to grow up and realize that things will happen that I cant control and that I can either worry about it and have a brake down again, or I can live my life one day at a time and enjoy my time here on earth, as we aren’t here for long and living your life worrying will just ruin your time here.
[This message has been edited by dezie36 (edited 10-23-2005).]
And if every one in the world just saved saved saved, there’d be no one buying things...
This is another joke, right?
There are always necessary things to spend money on - food, clothing, mortgage/rent, power for light and heat, gasoline/car maintainence, etc. Even the most frugal among us spends money on unnecessary items occasionally. And then there's the "big-spenders" (like you maybe?) who have a chronic need to try and impress others with their bling and who will always spend more than they should.
quote
Originally posted by dezie36:
...or you can stay angry
Angry? Me? You've got me confused with the guy who started This thread, and of course, This thread.
quote
Originally posted by dezie36:
...and try to insult those who have come to grips with the reality of the situation. And to think otherwise is asinine and juvenile.
You obviously don’t see it... but that’s fine... but the economy is in the shitter because people aren’t spending... that’s the definition of recession
re·ces·sion1 P Pronunciation Key (r-sshn) n. 1.The act of withdrawing or going back. 2.An extended decline in general business activity, typically three consecutive quarters of falling real gross national product. 3.The withdrawal in a line or file of participants in a ceremony, especially clerics and choir members after a church service.
so if every one only spends money on the essentials... you know what I’m just going to be repeating my self here and your still not going to get it.
Dude I’m 21 years old... I have 50 years of working a head of me...
Yep, I guess because you have world economics all figured out (amazingly, by the age of 21 years!), you'll be needing to work until you're 71 years of age. Meanwhile, the rest of us backward bumpkins who foolishly were not spending, spending, spending, will have retired years earlier than that.
Dezie, thanks for making it all possible for us by your generous contributions to the economy!
Yep, I guess because you have world economics all figured out (amazingly, by the age of 21 years!), you'll be needing to work until you're 71 years of age. Meanwhile, the rest of us backward bumpkins who foolishly were not spending, spending, spending, will have retired years earlier than that.
Dezie, thanks for making it all possible for us by your generous contributions to the economy!
My point was that even with just my HS Econ classes under my belt... I obviously understand it better then some. And by the time I’m ready to retire the age will be 70... its gone up from 55, to 60 to 65 in the last few decades.
Oh and if I’m wrong please explain it to me… I’m obviously so wrong!
Originally posted by dezie36: you know what I’m just going to be repeating my self here and your still not going to get it.
On that--you are correct. We really don't understand where you are comming from with this, and are trying to get you not to make mistakes that many young adults do with their income.
Most of us here, (including the guy you called immature in another thread), have already been where you now find yourself, have already successfully raised our children, already have grandchildren half your age, and have been pretty succesfull financially while getting here. I understand you are young, bulletproof & invisible, full of P & vinegar and ready to conquer the world, same as we were at your age, but one of the very 1st things most of us learned was that the world is NOT what our High School teachers said it was. Don't be so quick to ridicule good advice when it's handed to you free of charge. The day will come that you will see it's worth.
On that--you are correct. We really don't understand where you are comming from with this, and are trying to get you not to make mistakes that many young adults do with their income.
Most of us here, (including the guy you called immature in another thread), have already been where you now find yourself, have already successfully raised our children, already have grandchildren half your age, and have been pretty succesfull financially while getting here. I understand you are young, bulletproof & invisible, full of P & vinegar and ready to conquer the world, same as we were at your age, but one of the very 1st things most of us learned was that the world is NOT what our High School teachers said it was. Don't be so quick to ridicule good advice when it's handed to you free of charge. The day will come that you will see it's worth.
hmm maybe maybe not. I live my life the way I see it... and it’s worked out pretty well for me so far.
OH and how many 20 year olds do you know that have over 12k in liquid assists? I don’t know any.
I realize that isn’t much but 12k is enough to pay rent for over half a year... its enough for a down payment on many cars... by tax time next year there will be 18k in the bank... by tax time the following year there will be 24k. I should be in my last year of college by then... and we'll see what I’ve chosen for my life... and I’m sure 24k will be enough to get going in the direction I want...
[This message has been edited by dezie36 (edited 10-23-2005).]
Originally posted by dezie36: I myself am trying to figure out what I want out of life... I thought it was auto tech... and I was wrong... I’m thinking a Business Management degree... but my first love will always be photography...
Well, there's several billion of us in that category. And then there's you.
You're an angry young man who's in for a rude awakening one day.
oh ya there are several billion of you who think that people buying stuff isn't what keeps the economy rolling ... I wonder how capitalism ever came about.
I wonder why there are commercials… if we aren’t supposed to be buying things… crazy.
You people keep saying that... must make you feel good... as it has no real value, like much of your argument.
[This message has been edited by dezie36 (edited 10-23-2005).]
My point was that even with just my HS Econ classes under my belt... I obviously understand it better then some. And by the time I’m ready to retire the age will be 70... its gone up from 55, to 60 to 65 in the last few decades.
Oh and if I’m wrong please explain it to me… I’m obviously so wrong!
Yes, you are wrong. And since youasked, I will make a civil attempt to explain it to you. 1. There is a huge difference in your working years and your 'earning' years. At some point in your life, you will reach a 'peak earning potential'. That applies both to the individual worker, and in regards to what his/her employer thinks they can get out of that worker. Where in time that falls, depends on a number of variables, but for most people in this modern era, it is in their late 40s-early 50s. Younger, if they are less educated, suffer sudden onset poor health, victims of downsizing/outsourcing etc. That means for over half their 'working' years', they are making less than their earning power during their prime working years. Many times--much much less. The days of working for one corporation, or even within one field untill retirement is a thing of the past, whch means every time you have to start over with a new job or field, you will likely drop down a notch or two. Employers are forbidden by law to discriminate according to age, but believe me when I say every single one does it. They will almost always look for a younger person if they canfind one to fill any need. 2. You will reach this point in your life very likely, just as your children have the most needs. College, cars, more expensive/fashionable clothing etc. 3. It is also during this time, that most adults, especially women, (including your future wife) begin to 1st feel the aging process and it's inevitable costs in health care. Make no mistake here. Health care costs can break even the most pennypinching family. It's the #1 cost in more and more families than ever before. Health care costs have never ever gone down-only up. Health insurance nowdays pays no where near what it used to, and in the very near future, it will be even worse. Tho the policies now pay less, leaving the insured to pay out more from their pocket, the premiums have skyrocketed. Employers now days even look at a person's age (yes-it's illegal), when it comes to hiring, because the older a person gets, the more it is going to cost for their health plan overall. The growing trend, is toward the employer paying nothing at all for The Plan, leaving the employee to pay it all, including built in administrative costs. 4. When the day comes that you are working the same amt. but earning less, (and you will know when that day arrives, but not before), you will wish you had back the money you are spending so freely today. 5. I know you think all this is a long way down the road for you personally, but trust me, it isn't. It may even be right around the corner. Anything can happen at any time and the $12K you now have can evaporate into just keeping your head above water.
[This message has been edited by maryjane (edited 10-23-2005).]
Well MarryJane... I sure hope your ready for that day... as your obviously closer then my self.
And that doesn’t cover basic econ at all... which is what I wanted explained.
AGAIN I’m only 21 and in no way should any normal 21 year old be all prepared for what’s going to happen when he’s 49... are you crazy? I’d just be saving all my money and then I couldn’t enjoy what I worked so hard to make...
Again we can have this conversation again when I’m 24 and finished my degree!
Till then I’m done with this thread... unless you guys want to talk about the irresponsibility of white trash parents... like how they buy mini bikes that go 70mph for their 4 year old.
[This message has been edited by dezie36 (edited 10-23-2005).]
I've invested and saved. I'm in good shape, and yes, I am now on the down hill side of my earning potential vs working yrs equation.
I will not attempt to explain basic economics to you, as you evidently already know it all. My attempt, was to explain 'real world economics' vs what is taught on a high school level of theory. If I had to give a grade of what highschool prepared me for in the real world, I'd have to give it an F, and I belive you will find that is also true for most of the people in the USA. H.S. is dung when it comes to real life.
?! Dude, you are 'supposed' to buy those things so those guys make money.. You think if you go out personally and buy a new car you have really helped your economy? Trust me, i think most people are better off to save than to spend. It's not 'doing your part'.. Well it is.. It's not a 'supposed' to be buying anything, it's how it works. You buy other peoples stuff whether you need it or not, and in turn, htey get money. One day maybe you will be selling stuff, and others will buy it. There is no 'supposed to be'..
Originally posted by dezie36: I am sick of you... you white trash hick! Your 23, 39, 45, 50 and your not married, but you have like 5 kids. If you love the ***** enough to put your seed in her and have a child you love her enough to marry her. All your doing is teaching your children that this is normal and acceptable. You should not breed; you obviously have no common sense.
Im sick and tired of hearing about "this time" you " and a buddy were out drinking, and got in your truck"! You are scum! if you are drunk and you get in a motor vehicle you are the lowest piece of **** in the world... and is yet more evidence to my last paragraph. You take more then you and your buddies life in your hands when you got in your truck drunk for the 40th time this week. When you get busted you have the audacity to ***** about the cops? Your lucky you didn’t kill someone... how exactly would your Jesus feel about you if you killed little Suzy and her mother?
Enough with the hunting stories! I don’t need to hear a story every day about the rabbit/deer who’s brain/heart you shot out... don’t you have anything better to do then kill animals? 8 rabbits... when the hell are you going to eat 8 rabbits?
In summation you are **** ... you make me sorry I’m white... no scratch that you make me sorry I’m human! I’m not even Christian (like you) and yet Id never get into an automobile drunk... you are a hypocrite you say the gays are destroying society and yet you do **** like this... you swear every other word, Ill cuss but you do it every other word thus taking away its power... every thing is a son of a ***** to you. I am better then you and you know it... and that’s why you hate me.... and I hate you because your trash.
Nice words from an aspiring Peace Officer.
Are you going to read this to your class on graduation day? Your classmates and instructor will be so proud.
All BS aside, this very rant would probably make you ineligible to be hired as a police officer. I worked with/around cops for ten years. Some of them were great people. Some of them had absolutely no business carrying a badge and a gun.
I completely forgot that you wanted to be a cop. Be sure to tell us when you enroll in the Academy. I'll be sure to forward that rant on to to the powers that be. You have no f*cking business being a police officer with an attitude such as yours. For your own sake, you had better hope that those in a hiring position are perceptive enough to see you for what you really are. If not, you will probably be in prison for abuse of power in very short order. I can see it now.
[This message has been edited by Raydar (edited 10-23-2005).]
Originally posted by maryjane: Yes, you are wrong. And since youasked, I will make a civil attempt to explain it to you. 1. There is a huge difference in your working years and your 'earning' years. At some point in your life, you will reach a 'peak earning potential'. That applies both to the individual worker, and in regards to what his/her employer thinks they can get out of that worker. Where in time that falls, depends on a number of variables, but for most people in this modern era, it is in their late 40s-early 50s. Younger, if they are less educated, suffer sudden onset poor health, victims of downsizing/outsourcing etc. That means for over half their 'working' years', they are making less than their earning power during their prime working years. Many times--much much less. The days of working for one corporation, or even within one field untill retirement is a thing of the past, whch means every time you have to start over with a new job or field, you will likely drop down a notch or two. Employers are forbidden by law to discriminate according to age, but believe me when I say every single one does it. They will almost always look for a younger person if they canfind one to fill any need. 2. You will reach this point in your life very likely, just as your children have the most needs. College, cars, more expensive/fashionable clothing etc. 3. It is also during this time, that most adults, especially women, (including your future wife) begin to 1st feel the aging process and it's inevitable costs in health care. Make no mistake here. Health care costs can break even the most pennypinching family. It's the #1 cost in more and more families than ever before. Health care costs have never ever gone down-only up. Health insurance nowdays pays no where near what it used to, and in the very near future, it will be even worse. Tho the policies now pay less, leaving the insured to pay out more from their pocket, the premiums have skyrocketed. Employers now days even look at a person's age (yes-it's illegal), when it comes to hiring, because the older a person gets, the more it is going to cost for their health plan overall. The growing trend, is toward the employer paying nothing at all for The Plan, leaving the employee to pay it all, including built in administrative costs. 4. When the day comes that you are working the same amt. but earning less, (and you will know when that day arrives, but not before), you will wish you had back the money you are spending so freely today. 5. I know you think all this is a long way down the road for you personally, but trust me, it isn't. It may even be right around the corner. Anything can happen at any time and the $12K you now have can evaporate into just keeping your head above water.
This from a guy you caled an A$$. Hmmm.....who is the A$$ now.
Originally posted by Raydar: You have no f*cking business being a police officer with an attitude such as yours. For your own sake, you had better hope that those in a hiring position are perceptive enough to see you for what you really are. If not, you will probably be in prison for abuse of power in very short order. I can see it now.
You obviously forgot that I gave up that dream... and your right I have no business being a cop... but for different reasons.
1. I'm not a bigot... every cop I know uses racial slang’s and hates blacks and Mexicans. 2. I don’t take what I should pay for... every cop I know takes free food, drink and anything else given to them because they are cops 3. Id never abuse an inmate... every cop I ever worked with in the jail beat them, or spit on them... or degraded them with words.
And when I refused to take free coffee at 7/11 on a ride alone with one of our advisors and thus embarrassing him in front of his friends (other officers) I was denied a promotion I had worked very hard for and deserved and had been previously promised ... I was also given every **** job they had for me... and when I complained I was told to either deal or quit... so I did!
So **** you, you know jack **** about me and my life or how I would handle the badge... obviously I was a better person then the cops I was working with.
Originally posted by dezie36: I’m done with this thread... unless you guys want to talk about the irresponsibility of white trash parents... like how they buy mini bikes that go 70mph for their 4 year old.
( and Society will permit you to keep your job!! There are always younger folk wanting your job)
... I wonder how capitalism ever came about.
