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Old 09-30-2008, 08:01 PM   #99
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Old 09-30-2008, 08:13 PM   #100
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Your Money: Keeping it safe
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Old 09-30-2008, 10:20 PM   #101
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The bailout

I say NO bailout or help to Wall Street from the government.
Can you see a bunch of bureaucrats dolling out the $$$$$$$$$$
SURE YOU CAN TRUST THE GOVERNMENT.ASK ANY INDIAN.
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Old 09-30-2008, 10:20 PM   #102
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Thought y'all might get a kick outta this. I wrote to our Congressman several days ago expressing my thoughts about the the current "crises". When I tried to answer his response to my response last night I got this (today also). Our tax dollars at work, eh? I guess the good news is that folks have finally figured out that they can make a difference one way or another. I suggest that we all chastise "them" for allowing their (or is it our?) website to crash at such a critical time in our history. Hope the attached pic works.

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Old 10-01-2008, 06:20 AM   #103
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I got the same thing Jim. You and I must have been trying at the same time. The government computers likely couldn't handle two at once.
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Old 10-01-2008, 06:31 AM   #104
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Look forward - look up to the creator.
I've seen bumper stickers that declare "God Saves" but if he (she) knew anything about finances, we wouldn't be in this mess.
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Old 10-01-2008, 07:57 AM   #105
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I was beside myself when I watched friends and family ride this credit wave these past 9-10 years. We didn't. To give you an example, my current daily driver is 12 years old...it's predecessor was a 25 year old car. I was amazed and somewhat concerned when my house values skyrocketed nearly 3x to what it was worth nearly 10 years ago. The inflation of the home prices made it difficult to move up to a bit larger house because I wasn't willing to pay some of these inflated prices for a home around here and the subsequent taxes based on those war buck dollar values. Could I have done it? Sure, I could have very, very, very easily gotten a loan (as many did), but running the numbers it just didn't make sense to me. Many folks who did jump on the bandwagon around here tapped off some of those inflated values out of the houses like an ATM for trips, expensive cars, etc. Like the tech bubble, one knew this ride wasn't going to last forever, few rides do...and of course now hindsight being 20/20 you can see in the weekly paper 2-3 pages of foreclosures (up from maybe just 2 or 3 listings 3-5 years ago) and know exactly how most of these folks got to this point.

Bail out the banks and the folks that used their homes as ATMs and/or lived beyond their means? It takes two to tango and I would hold both the banks and the individuals who over extended themselves in contempt as these folks represent one of the major reasons why we are now in this mess. Sure there were other contributing factors, but if you live beyond your means and you have creditors willing to keep you going, even though your income doesn't support it, I'm sorry, but I can see no reason why anyone should pony up neary (or maybe even over) a trillion dollars.

Perhaps this crunch will severely put a dent in the economy and that this will in fact force us all to quit abusing credit cold turkey.

A bit of Darwinisim might be just what the doctor ordered.
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Old 10-01-2008, 09:52 AM   #106
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I think it's a very dangerous precedent to bail out the very institutions that are supposed to safeguard our money and our monetary system.

You think this is a one-time deal? Don't believe that for a minute!

Every time the going gets rough, who do you think they will turn to in the future?
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Old 10-01-2008, 10:09 AM   #107
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Quote:
Originally Posted by Silvertwinkie View Post
I was beside myself when I watched friends and family ride this credit wave these past 9-10 years. We didn't. To give you an example, my current daily driver is 12 years old...it's predecessor was a 25 year old car. I was amazed and somewhat concerned when my house values skyrocketed nearly 3x to what it was worth nearly 10 years ago. The inflation of the home prices made it difficult to move up to a bit larger house because I wasn't willing to pay some of these inflated prices for a home around here and the subsequent taxes based on those war buck dollar values. Could I have done it? Sure, I could have very, very, very easily gotten a loan (as many did), but running the numbers it just didn't make sense to me. Many folks who did jump on the bandwagon around here tapped off some of those inflated values out of the houses like an ATM for trips, expensive cars, etc. Like the tech bubble, one knew this ride wasn't going to last forever, few rides do...and of course now hindsight being 20/20 you can see in the weekly paper 2-3 pages of foreclosures (up from maybe just 2 or 3 listings 3-5 years ago) and know exactly how most of these folks got to this point.

Bail out the banks and the folks that used their homes as ATMs and/or lived beyond their means? It takes two to tango and I would hold both the banks and the individuals who over extended themselves in contempt as these folks represent one of the major reasons why we are now in this mess. Sure there were other contributing factors, but if you live beyond your means and you have creditors willing to keep you going, even though your income doesn't support it, I'm sorry, but I can see no reason why anyone should pony up neary (or maybe even over) a trillion dollars.

Perhaps this crunch will severely put a dent in the economy and that this will in fact force us all to quit abusing credit cold turkey.

A bit of Darwinisim might be just what the doctor ordered.

A-Men... Right on the money.... thats what I have been saying too... Brought on by our greed to have every toy and a big house... Where I live everyone has an ATV $5000 for a used one sometimes... they will finance you no problem.. We have 10 acres and I guess I could use one but walking is no big deal for me....

Pay Cash it's a sure way to keep you in line... Somethings You can't always , but you should with toys...
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Old 10-01-2008, 02:32 PM   #108
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We have a friend who works for a car dealership. He says that, even people with excellent credit, may not be able to finance a vehicle 100% anymore with some banks....especially trucks and SUV's. I say.....it's about time! If you can afford the payments, then put some cash down.

When I was growing up, my parents paid cash for everything except their house. We have tried to do the same, and we now live debt-free in our retirement. If we DO finance a vehicle, we pay it off as soon as we can! We have tried to teach our kids to do the same, but time will only tell how they live their lives. I think that watching this fiasco unfold will certainly teach them something....
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Old 10-01-2008, 08:41 PM   #109
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Wink ---- 'em

This whole economic thing really sucks - Tell you one thing, gonna be lots of veggy gardens, chickens, pigs.

I mean juicy red tomatoes, eggs with yokes so yellow they look orange, and rhubarb growing wild. Hmm, ever see a David Bradley Tiller? Ever milk a goat?

We just might find that families have purpose - Children have chores - Grandparents have responsibilities.

Our farmers have suffered for years, but you know what? you can live on 25 acres of fertile land if you have water.
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Old 10-01-2008, 08:52 PM   #110
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Ok, now that the Senate appears to be passing this travesty here is what I believe will effect me and my RVing lifestyle due to IMHO the almost certain devaluation of the dollar, since many things are tied to the US Dollar.

1) Energy prices, namely gasoline, diesel and let's not forget the others will spike. This will translate to even higher energy prices overall making driving and/or RVing for the average person a steep price...and if you think RVing is expensive, looked for an airline ticket lately? Just looked for a puddle jumper flight from Milwaukee to Iron Mountain. Three years ago, that ticket one way was under $100. Know what it is today? $800 minimum, one way!

2) Food. Nearly everything is hauled by train and truck. These run on diesel. Diesel IMHO as well as gasoline is going to spike, making transport costs increase which will effect not only your grocery bill, but nearly every shopping endeavor you do on a monthly basis, and I'm not simply talking out of the norm shopping, I'm talking the monthly stuff, tissues, TP, paper towels, laundry detergent. These extra costs will impact fuel spending which will effect travel for a fair number of folks.

3) Higher prices may force some folks to cut back, causing more pain for companies, which in turn may lay off folks. Unemployed folks can hardly afford to be running around the country at $4.00 or possibly as high as $6/gallon or even more. Think that can't happen? Look at what Europeans pay for fuel.

4) Higher prices outpacing any meager cost of living increases in salary may have folks shifting to credit cards, if any of us are still lucky to have one that works. . Putting overages on credit will lead to folks carrying balances, which in part is how we got in this pickle (spending more than we take in), making it again difficult to go RVing when some may be having a hard time paying for the increases they will most likely see as a result of the government stepping in to bail out banks and devaluing the dollar, which brings me to point 5....

5) Banks who are bailed out because of their own greed will not be forced in any bills I've read to lend money. For banks that do lend, I can promise you, you'll sign over your first, second and third born to get that credit, which will no doubt make borrowing somewhat more difficult than it was before, which will also have an impact on many folks hauling their RVs around with 10 to 15mpg.

Bottom line, and I mean no disrespect to those hurting, but if we have to spend nearly or more than a trillion dollars to save banks, I say let the banks die and let the laws of Capitalism take effect. The weak disappear or are absorbed, we go through a really rough patch, and the government stops this nonsense of blindly throwing large sums of money a the problem. IMHO we are using ICBMs when a more surgical strike is what is required. We can't even fund Social Security, healthcare, etc, yet we have nearly a trillion dollars to bail out banks? This is not like bailing out Chrysler in the 80s or lending the big 3 25 billion to get their heads out of their behinds, this is some very serious money we're talking here...and the thought that we're gonna buy all this bad paper and be able to recoup any real portion of it, guess again....and anyone taking comfort in the government having a significant stake in any private company gives me hives. First the gov eavesdrops on citizens without any warrants, the gov has significant stakes in some of the largest banks out there. Folks, look at history, see any parallels?

Sorry for the rant, but the bill just passed the Senate and if it passes the house later on, I think we're going to be in far more trouble than we might have been otherwise. I pray that I am way, way off here, but me thinks this is only the tip of the iceberg we're seeing, the Titanic is still gonna take on water no matter what is or isn't done and all the money that can be thrown at it, just as the real ship on that fateful day, won't stop it from sinking.
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Old 10-01-2008, 09:17 PM   #111
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Democracy??

"The best argument against democracy is a five minute conversation with the average voter"

"The inherit vise of Capitalism is the unequal sharing of blessings,
The inherit vice of Socialism is the equal sharing of miseries".........W. Churchill
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Old 10-01-2008, 09:24 PM   #112
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solar

Hey - I don't understand all this stuff but I think, no, I know that solor panels can provide an Airstreams energy needs
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