The Conservative Cave
Current Events => The DUmpster => Topic started by: djones520 on February 21, 2009, 10:48:39 AM
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DUmp (http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=389x5103156#5103197)
KansDem (1000+ posts) Sat Feb-21-09 10:30 AM
Original message
Why couldn't Congress request a clean sweep of everyone's credit reports?
Advertisements [?]If Congress is going to bail out all these financial instutions, why didn't it make it a requirement that all Americans' credit histories be swept clean? Finanical institutions and consumers all start over!
Everyone start anew!
It seems that my taxes are going to bail out financial institutions who won't loan me $2,000 to replace my water heater...
I'm going to have to wear waders in my kitchen soon!
slackmaster (1000+ posts) Sat Feb-21-09 10:33 AM
Response to Original message
1. No thanks
I've spend over 30 years building up a good credit history and score.
You want to take that away from me? Not just no, **** no.
KansDem (1000+ posts) Sat Feb-21-09 11:11 AM
Response to Reply #1
10. Congratulations on your perfect life!
Wow!!! No catastrophic health problems? No marital problems? No job loss? No legal problems?
You're awesome! They should make a TV show based on your life! Oh, wait...they already did..."Leave It to Beaver," "Father Knows Best," "The Donna Reed Show," "Ozzie and Harriet"... (Say, is your next-door neighbor named "Thorny," by chance?--"Hi, Slackmaster!," "Oh, ah...oh...Hi, Thorny")
slackmaster (1000+ posts) Sat Feb-21-09 11:28 AM
Response to Reply #10
15. Oh boy
Edited on Sat Feb-21-09 11:28 AM by slackmaster
I have a lazy eye, flat feet, and hypertension. I'm a little over weight. I'm divorced. My job is shaky.
I haven't had any legal problems since I was in my 20s. That's the result of hard work and personal discipline, as is my credit history.
Try it some time. It beats the crap out of bringing successful people down so that everyone is "equal".
Kansdem gets a nice beat down. The rest is a debate on water tanks, or no water tanks.
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KansDem Donating Member (1000+ posts) Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list Sat Feb-21-09 10:42 AM
Response to Original message
26. To all of you who said, "no, thanks..."
My taxes went to the ****-up financial intuitions that gave you your "high credit scores." Tell me why this is fair...
slackmaster Donating Member (1000+ posts) Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list Sat Feb-21-09 10:49 AM
Response to Reply #26
31. People with good credit scores have worked for years to build them up
By being responsible.
Tell me why this is fair...
Who ever told you life was supposed to be "fair"?
Grow up.
:clap:
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Uhhhhh .... someone who can't get a loan for a $2,000 water heater (first I've NEVER seen the water heater that would cost $2k) can't say the taxes they pay are bailing out the financial institutions because THEY aren't paying ANY taxes.
99.999% guarantee you kansdem gets back more on their 'return' than it paid in.
KC
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Uhhhhh .... someone who can't get a loan for a $2,000 water heater (first I've NEVER seen the water heater that would cost $2k) can't say the taxes they pay are bailing out the financial institutions because THEY aren't paying ANY taxes.
99.999% guarantee you kansdem gets back more on their 'return' than it paid in.
KC
That doesn't mean anything to the DUmmies. If your a DUmmie, that means you automatically pay more taxes then anyone else alive. :whatever:
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:clap:
Mia, you have to post in that thread and ask Kansdem how much in taxes it paid. You have to do it.
KC
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Uhhhhh .... someone who can't get a loan for a $2,000 water heater (first I've NEVER seen the water heater that would cost $2k) can't say the taxes they pay are bailing out the financial institutions because THEY aren't paying ANY taxes.
99.999% guarantee you kansdem gets back more on their 'return' than it paid in.
KC
The tankless water heaters can run $1500-2000. I'd like to upgrade to a tankless one eventually.
She can't get a loan because she has a shitty credit score. Obviously she's had problems in the past with paying back money she's borrowed, it's not surprising she can't get a loan now. LOL
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Even if that were to ever happen most of them would be back in the same shit filled boat within a year.
KC
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Mia, you have to post in that thread and ask Kansdem how much in taxes it paid. You have to do it.
KC
Probably wouldn't be to smart since it's been posted here. Mods there can trace where the guests are coming from, so I've heard. If they do their homework well they can come back here and see this and cover could be blown.
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If I could H5 slackmaster, I would. Since I can't, this'll have to do.
:cheersmate: :cheersmate: :cheersmate:
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The tankless water heaters can run $1500-2000. I'd like to upgrade to a tankless one eventually.
She can't get a loan because she has a shitty credit score. Obviously she's had problems in the past with paying back money she's borrowed, it's not surprising she can't get a loan now. LOL
We have a few homes around here with those water heaters in them but ..... they are very, very expensive homes (for our area). Most folks will go with the $600 - $800 water heater and that is installed by a plumber. You can buy them for $400 and install them yourself.
KC
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Probably wouldn't be to smart since it's been posted here. Mods there can trace where the guests are coming from, so I've heard. If they do their homework well they can come back here and see this and cover could be blown.
Ditto that. Not that I'm a mole anyways, I'm a moderate here and I'm a moderate there.
BTW, I did buy a heart for OMC. :-)
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Ditto that. Not that I'm a mole anyways, I'm a moderate here and I'm a moderate there.
BTW, I did buy a heart for OMC. :-)
Yeah, but the second you start posting "freeper" talking points that other freepers suggested you put in, i'm sure they'd shit can you wihtout a second though.
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Yeah, but the second you start posting "freeper" talking points that other freepers suggested you put in, i'm sure they'd shit can you wihtout a second though.
Yep. Hell, most DUers hate us centrist/moderates anyways. See slackmaster. He said to grow up and life isn't fair, well now he's just not caring and liberal enough. :whatever:
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I say go for it. It'll ensure a Republican landslide for the Congressional mid-terms.
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The tankless water heaters can run $1500-2000. I'd like to upgrade to a tankless one eventually.
She can't get a loan because she has a shitty credit score. Obviously she's had problems in the past with paying back money she's borrowed, it's not surprising she can't get a loan now. LOL
Yeah, Kansdem is saying it wants to go tankless to save $200-$400/year. Ok, lets say that is true and use the middle; $300/year savings. It is willing to spend $1,600 more for the tankless (when it can't even pay its bills now) sooooo
It will only take 5 years and 4 months to start 'saving' money.
These folks are complete idiots.
KC
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Yeah, Kansdem is saying it wants to go tankless to save $200-$400/year. Ok, lets say that is true and use the middle; $300/year savings. It is willing to spend $1,600 more for the tankless (when it can't even pay its bills now) sooooo
It will only take 5 years and 4 months to start 'saving' money.
These folks are complete idiots.
KC
Agreed! But then most posters on DU aren't known for the economic/financial/math skills. :wink:
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Agreed! But then most posters on DU aren't known for the economic/financial/math skills. :wink:
Evidently they are missing more than that. Look at this exchange;
tammywammy (1000+ posts) Sat Feb-21-09 12:03 PM
Response to Reply #35
37. Sorry you've had such health problems
Why not just save and purchase the water heater outright instead of getting a loan?
Donate to DU and give valentine hearts to your friends! Click here.
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KansDem (1000+ posts) Sat Feb-21-09 12:13 PM
Response to Reply #37
47. Sure, meanwhile my kitchen is filling up with water...
First a trickle, now a little more constant.
But I'll start saving right now! I may need a snorkel to wash the dishes but I should have the dough in about a year...
Ok, it doesn't take a math wiz to figure out if you have a problem right now that you can fix for $400 you don't bitch because someone won't loan/give you $2,000 to make the problem go away. You fix the problem for the $400 and move on.
KC
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I've heard the tankless only LAST about 5 years.
I hear that around here too because our water is so hard. The lime deposits kill them pretty quickly. I don't think they work well with the softeners either.
If this is true then Kansdem is truly, truly a dumbass if it thinks it is going to save money.
KC
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Yeah, Kansdem is saying it wants to go tankless to save $200-$400/year. Ok, lets say that is true and use the middle; $300/year savings. It is willing to spend $1,600 more for the tankless (when it can't even pay its bills now) sooooo
It will only take 5 years and 4 months to start 'saving' money.
These folks are complete idiots.
KC
I would love to find out what brand of tankless heater the DUmpmonkey buys. I really hope it's a Rinnai Tankless Heater (http://www.rinnai.us/) since they advertise on Rush Limbaugh's show! :fuelfire:
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Ok, it doesn't take a math wiz to figure out if you have a problem right now that you can fix for $400 you don't bitch because someone won't loan/give you $2,000 to make the problem go away. You fix the problem for the $400 and move on.
KC
WHAT! ....and deprive the DUmmies of the drama, the soap oprea in their lives? Hell, it's all they live for.
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WHAT! ....and deprive the DUmmies of the drama, the soap oprea in their lives? Hell, it's all they live for.
They are all crisis junkies.
I love how their piss poor credit is always because of health issues. When called on poor credit they love to throw out the; "I hope you never have to go through what I've gone through. I'm glad your life is soooo perfect. Hope you never have a health issue that screws you over".
It couldn't be because they are totally irresponsible. Nope. Never.
Hey, Kansdem. I have been in 2 motorcycle accidents in the last 8 years. Neither one of them my fault and I'm self employed so if I don't work I don't get paid a cent. In both cases I was down about a month each. I suffered; a broken neck, broken arm, split lip, level II separation of my right shoulder, 2 broken ribs and countless cuts and abrasions. My credit score is in the high 700's and low 800's. I hope you never have the misfortunes I have had but I hope you learn responsibility and the difference between a WANT and a NEED.
That is all.
KC
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dajoki Donating Member (1000+ posts) Journal Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list Sat Feb-21-09 11:34 AM
Response to Reply #47
56. Save?!!? How can anyone...
Edited on Sat Feb-21-09 11:35 AM by dajoki
living paycheck to paycheck save anything. I am in the same boat as you, when I was 28 I was married(still am to the same woman) with two kids, a great job and good credit. Then one day in my late 40s everything fell apart, when I had an accident that left me disabled, and the medical problems started piling up. My wife lost her job, my youngest daughter got sick and had to move back home and we almost lost our home because the only income we had was my SSDI. All this happened in a period of about four years. My wife found a job after about three years and my daughter has recovered, but the damage has been done, financially, we will never get out of debt, we are threatened every month with a utility being shut off because our mortgage must come first.
:whatever:
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:whatever:
Yup, it is always the medical that will get to you.
KC
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Yup, it is always the medical that will get to you.
KC
Remember Franks first rule about the primitives....they lie,all the time....they lie.
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Probably wouldn't be to smart since it's been posted here. Mods there can trace where the guests are coming from, so I've heard. If they do their homework well they can come back here and see this and cover could be blown.
Wait, I forgot, I've already been outted as Wolsh/Joe the Revelator. :-)
Linky (http://www.conservativecave.com/index.php/topic,12241.0/highlight,wolsh.html)
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:whatever:
But he makes sure he still has an internet connection and a computer! :fuelfire:
One has to have priorities!
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Bunnies have a reputation for being highly skeptical and somewhat cynical (Mutual of Omaha's Wild Kingdom, Episode #58: Iwwascible Wabbits) so I took 90 seconds to do some searching...
Water heaters starting at around $550: http://www.homedepot.com/webapp/wcs/stores/servlet/Navigation?distance_1=100&reload=true&jspStoreDir=hdus&zip=80631&storeZip=80634&storeState=CO&recordId=1515&catalogId=10053&mode=autoSelectAndSet&langId=-1&categoryID=502972&storeId=10051&showStores=false&storeCity=Greeley
6 Month Same as Cash Financing with purchases over $300 for those who qualify.
BTW - Medical bills, by law, cannot drag down your credit scores.
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dajoki Donating Member (1000+ posts) Journal Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list Sat Feb-21-09 11:41 AM
Response to Reply #51
57. I was able to afford my home...
until a series of medical problems and my wife losing her job. We did not "overbuy", in fact we bought a cheap fixer-upper which we renovated ourselves and have been living here over 20 years, now we are struggling to make the payments.
If you've been living in your house for 20 years why haven't you paid it off yet?
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If you've been living in your house for 20 years why haven't you paid it off yet?
I think there are 30 year mortgages out there. It's possible they got one of those. But if they've been dutiful on their payments for 20 years, the Bank is most likely going to cut them some slack right now.
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I think there are 30 year mortgages out there. It's possible they got one of those. But if they've been dutiful on their payments for 20 years, the Bank is most likely going to cut them some slack right now.
Yes, I have a 30 year mortgage, but I don't actually plan on paying it for 30 years. If you pay half your mortgage every two weeks you shave off years on your payment, or just paying a little extra each month towards principle.
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Yes, I have a 30 year mortgage, but I don't actually plan on paying it for 30 years. If you pay half your mortgage every two weeks you shave off years on your payment, or just paying a little extra each month towards principle.
I will own my house in 2 years -- total 16 years to pay it off. I started with a 30 year, then after 8 years, refied into a 15 year and now have that paid off in 8. I think I saved over $70K in interest.
I use the money I used to use for car payments to overpay on the Mortgage. I would recommend it to anyone.
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slackmaster (1000+ posts) Sat Feb-21-09 11:28 AM
Response to Reply #10
15. Oh boy
I have a lazy eye, flat feet, and hypertension. I'm a little over weight. I'm divorced. My job is shaky.
I haven't had any legal problems since I was in my 20s. That's the result of hard work and personal discipline, as is my credit history.
Try it some time. It beats the crap out of bringing successful people down so that everyone is "equal".
Wow, he's on his way to being a conservative. The mantra of the left IS to bring everyone down to make it "fair". It's not about building people up, it's about making everyone equally miserable.
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As tempting as doing this would be. It would crush the economy of so many banks and companies you might as well say the world would look like a MAD MAX movie.
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It beats the crap out of bringing successful people down so that everyone is "equal".
That ain't gonna last long.
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As tempting as doing this would be. It would crush the economy of so many banks and companies you might as well say the world would look like a MAD MAX movie.
But, you know who would be the first to be "reduced?"
It wouldn't be conservatives! :evillaugh: :evillaugh: :evillaugh:
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KansDem (1000+ posts) Sat Feb-21-09 10:30 AM
Original message
Why couldn't Congress request a clean sweep of everyone's credit reports?
Advertisements [?]If Congress is going to bail out all these financial instutions, why didn't it make it a requirement that all Americans' credit histories be swept clean? Finanical institutions and consumers all start over!
Everyone start anew!
The STUPID is strong in this one!!!!
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Actually, the credit reporting corporations are so lax and unprofessional with their recording keeping and general business practices, I really wouldn't have a problem with it.
It would work well if every individual was giving the option to clear his file. The "good guys" could leave themselves intact. The "bad scores" could opt to start over with ZEROED-OUT credit. Creditors could be told if they were inquiring about a credit file "reset to zero" by the individual. Then the creditor could take a chance or not.
The credit reporting system in this country is a joke anyway. And yes, I have good credit, but only because I stay on top of their stupidity. I shouldn't have to do that. There should be no errors. Period.
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I think there are 30 year mortgages out there. It's possible they got one of those. But if they've been dutiful on their payments for 20 years, the Bank is most likely going to cut them some slack right now.
I currently have a 30 year mortgage.
But if I had been paying my mortgage on time for that entire 20 years, I'd have an assload of equity.
If I fell on hard times, I'd refinance the home based on the balance of the orginal loan amount (before my credit score went to shit) and reduce my mortage payment by about 65% or more.
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My husband lost his first job out of college. It was at an Industrial Design firm. We had just bought a house. He worked THREE jobs (two part time and one full time crap jobs) to keep us afloat (I also worked at the time). Then he found a job in Lake Havasu City (we lived in Phoenix at the time), so he lived in Lake Havasu and I stayed back in Phoenix to sell our house. It took us about 4 months to sell our house. I worked and had a one and a half year old and had to keep the house spic and span to sell. It was not a fun time.
Then there was the time I had a stroke and was diagnosed with Takayasu's Arteritis. I was in the hospital for a week (a few of those days in ICU) with NO insurance. This was during the glorious days of Clinton (so was the job loss period). It took us YEARS to pay off my medical expenses (we were also paying off my husband's college loans at the same time, which took us 10 years by the way). We weren't "rich" by any means, in fact I had to take in several children (3 plus my own) to help pay the bills. This was only a few months after I had my stroke. I took all of the kids with me to my monthly doctor appointments because I had no other choice. You do what you have to do.
We have built up our credit to 800 over a long period of time and it wasn't easy. Everyone has a friggen sob story, the sooner you stop thinking of yourself as a victim your life wont seem so bleak. My husband works his ASS off to provide for our family. He had been with the same company for 15 years and had worked his way up to an "Evil Repuke VP". He wasn't handed anything, he paid for his own college, he isn't working off the back of anyone. He hasn't taken from you sad losers at DU, he has worked for everything we have today. I am getting sick of all this crap, to the point that I am willing to do what it takes to get the ****ers you (DU'ers) voted for out of office. It is people like you who have motivated me to get off my ass and do something about this crap. "Screw You" you friggen losers.
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Wow BEG.
You dislike them almost as much as I do.
Almost.
I'm afraid I'm about ready to go all "Glenn Beck" on their ass.
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That's OK.
I'm about ready to go all "Rambo" on their asses.
I swear I am at a different place than I was just a month ago. I am angry and I know for a fact I'm not the only one. They better watch out.
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I'm afraid I'm about ready to go all "Glenn Beck" on their ass.
I'd pay to see that!
:popcorn:
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I'd pay to see that!
:popcorn:
How much would you be willing to pay? I could go all Capitalistic on their ass and do a "pay-per-view". :innocent:
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My husband lost his first job out of college. It was at an Industrial Design firm. We had just bought a house. He worked THREE jobs (two part time and one full time crap jobs) to keep us afloat (I also worked at the time). Then he found a job in Lake Havasu City (we lived in Phoenix at the time), so he lived in Lake Havasu and I stayed back in Phoenix to sell our house. It took us about 4 months to sell our house. I worked and had a one and a half year old and had to keep the house **** and span to sell. It was not a fun time.
Then there was the time I had a stroke and was diagnosed with Takayasu's Arteritis. I was in the hospital for a week (a few of those days in ICU) with NO insurance. This was during the glorious days of Clinton (so was the job loss period). It took us YEARS to pay off my medical expenses (we were also paying off my husband's college loans at the same time, which took us 10 years by the way). We weren't "rich" by any means, in fact I had to take in several children (3 plus my own) to help pay the bills. This was only a few months after I had my stroke. I took all of the kids with me to my monthly doctor appointments because I had no other choice. You do what you have to do.
We have built up our credit to 800 over a long period of time and it wasn't easy. Everyone has a friggen sob story, the sooner you stop thinking of yourself as a victim your life wont seem so bleak. My husband works his ASS off to provide for our family. He had been with the same company for 15 years and had worked his way up to an "Evil Repuke VP". He wasn't handed anything, he paid for his own college, he isn't working off the back of anyone. He hasn't taken from you sad losers at DU, he has worked for everything we have today. I am getting sick of all this crap, to the point that I am willing to do what it takes to get the ****ers you (DU'ers) voted for out of office. It is people like you who have motivated me to get off my ass and do something about this crap. "Screw You" you friggen losers.
:clap:
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Kudos to BEG; I like your assertive style.
It's great.
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Kudos to BEG; I like your assertive style.
It's great.
Thanks Frank (and Carl).
Another note I want to add is that it took my husband over 7 months to find that new job in Lake Havasu, it wasn't just the 4 months that I was alone taking care of our son and trying to sell the house. We lived in "limbo" for a long time even after he got the new job. I also want to add that at his new job, if you wanted Thanksgiving or Christmas (or any other time) off WITH pay you were screwed. He didn't pay any vacation or sick time, he also paid everyone under the table for overtime. He was very "old school", the kind that would say "be lucky that you have a job, quit your bitchin". DU'ers wouldn't last a week working at a place like that. My husband in contrast LOVED that job and would rather be designing boats (that was his job in Lake Havasu) than what he is doing today. Liberals are friggen pussies.
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If congress was to consider doing this, I'm afraid I might become a DUmmie. I'd rush out and borrow a few million with no intention of paying it back..... :rotf:
I'm sure that's what all the DUmmies would do. :-) What would they call that bill? ..."Winning the Lottery"..."Freeloaders Payday"..."Pot-O-Gold"
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I am angry and I know for a fact I'm not the only one.
That is the truth. Only anecdotally (sp?), I've seen the same thing.
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How much would you be willing to pay? I could go all Capitalistic on their ass and do a "pay-per-view". :innocent:
I'd pay... oh let's say $100 to see a full 15 rounds.
:cheersmate:
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I'd pay... oh let's say $100 to see a full 15 rounds.
:cheersmate:
Shoot $100 per person is nothing for an evil rich repuke like me. It's going to take more than that.
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Thanks Frank (and Carl).
Another note I want to add is that it took my husband over 7 months to find that new job in Lake Havasu, it wasn't just the 4 months that I was alone taking care of our son and trying to sell the house. We lived in "limbo" for a long time even after he got the new job. I also want to add that at his new job, if you wanted Thanksgiving or Christmas (or any other time) off WITH pay you were screwed. He didn't pay any vacation or sick time, he also paid everyone under the table for overtime. He was very "old school", the kind that would say "be lucky that you have a job, quit your bitchin". DU'ers wouldn't last a week working at a place like that. My husband in contrast LOVED that job and would rather be designing boats (that was his job in Lake Havasu) than what he is doing today. Liberals are friggen pussies.
What was it I said on the "crying in my beer" thread when I got laid off?
Something about how conservatives get busy and do for themsleves?
You and your family merely prove my point.
:bow:
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Shoot $100 per person is nothing for an evil rich repuke like me. It's going to take more than that.
Oooh, high maintenance. :-)
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Shoot $100 per person is nothing for an evil rich repuke like me. It's going to take more than that.
But but but... I'm currently unemployed.... That all I can spare.
:bawl:
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But but but... I'm currently unemployed.... That all I can spare.
:bawl:
Start selling stuff. :-)
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:rofl:
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My husband in contrast LOVED that job and would rather be designing boats (that was his job in Lake Havasu) than what he is doing today. .
When the economy comes back and until then he should free lance for all the boat builders here in NC.
What kinda boats did he design?
Liberals are friggen pussies
Best post Ever
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Start selling stuff. :-)
I've already sold the wife and dogs.
NO WAY in hell that I'm selling my guns.
:-)
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But but but... I'm currently unemployed.... That all I can spare.
:bawl:
Give me your free pony and we will call it even.
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Oooh, high maintenance. :-)
:-*
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When the economy comes back and until then he should free lance for all the boat builders here in NC.
What kinda boats did he design?
Best post Ever
Man I don't know if I should post it in public. For all I know some ass would trace it back to the 90's and figure out who my husband is. I'll PM it to you.
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Give me your free pony and we will call it even.
You can have the pony as soon as Uncle Zero delivers it.
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I've already sold the wife and dogs.
NO WAY in hell that I'm selling my guns.
:-)
Not even for ME?!?!?!?!? :innocent:
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Not even for ME?!?!?!?!? :innocent:
Not even for you...
A guy has to have priorties after all.
:innocent:
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Give me your free pony and we will call it even.
:evillaugh: You made me laugh.
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Not even for you...
A guy has to have priorties after all.
:innocent:
Damn, I guess I just don't "got it" anymore. Look how sad I am ----> :bawl:
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Damn, I guess I just don't "got it" anymore. Look how sad I am ----> :bawl:
(http://209.85.12.232/7417/2/emo/thsmiley_consoling.gif)
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Damn, I guess I just don't "got it" anymore. Look how sad I am ----> :bawl:
Can you fit into that swimsuit from the 80's? I'd buy that for a dollar.
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Can you fit into that swimsuit from the 80's? I'd buy that for a dollar.
I can but I don't know what I would look like in it. :p
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(http://209.85.12.232/7417/2/emo/thsmiley_consoling.gif)
Awww look at you petting me. :-)