|
DieCommie

Registered: 12/11/03
Posts: 29,258
|
Re: Why are americans doing the least? [Re: gerryjarcia]
#14271088 - 04/11/11 08:19 AM (13 years, 1 month ago) |
|
|
Not me. You have to really try to fuck up that bad in the US.
|
zappaisgod
horrid asshole


Registered: 02/11/04
Posts: 81,741
Loc: Fractallife's gym
Last seen: 7 years, 11 months
|
Re: Why are americans doing the least? [Re: gerryjarcia] 1
#14271100 - 04/11/11 08:23 AM (13 years, 1 month ago) |
|
|
Quote:
gerryjarcia said:
Quote:
zappaisgod said:
Quote:
gerryjarcia said:
Quote:
zappaisgod said: The only person who did anything wrong was your father who took out loans he couldn't afford. Now with the new payday loan laws fewer people will be able to get them at all probably including him. I'm sorry if that is harsh but I believe if you borrow money you have to pay it back. There is no such thing as predatory lending, only predatory borrowing. The interest rates are right there in the contract he signed.
you seem to live in some sort of simplistic vacuum where life is always predictable and you're always one step ahead of the game. nice to know you have the luxury of this kind of thinking, most of us have to deal with life as it comes 
Most of us don't actually fuck up that bad. It's amazing but true.
i find the inverse to be more accurate.
Maybe you should stop hanging out with idiots.
--------------------
|
gerryjarcia
biophiliac



Registered: 05/29/10
Posts: 1,889
Loc: the woods
|
Re: Why are americans doing the least? [Re: zappaisgod]
#14271177 - 04/11/11 08:44 AM (13 years, 1 month ago) |
|
|
Quote:
zappaisgod said: Maybe you should stop hanging out with idiots.
wow, it's like talking with Glenn Beck.
--------------------
"We are all intoxicated. We were born into an insane asylum, a world crazy-making. We believe what we see and hear. The real myth is the myth of sanity, of rationality: it's a disease that is eating away at the earth. All the poisons flow from our denial. We deny madness, we forget our crimes, we dismember the corpse, we imprison our children. We need poison to poison the poison, to remember the sacred nature of intoxication, the green body of the young god." ~ Dale Pendell
|
despisedicon
Stranger

Registered: 06/16/06
Posts: 8,361
Loc:
|
Re: Why are americans doing the least? [Re: Raven Gnosis]
#14271733 - 04/11/11 11:17 AM (13 years, 1 month ago) |
|
|
Here's another quote from a much better social commenter. One who George Carlin isn't fit to lick the gum off of his shoes. It goes, "the world doesn't owe you anything, it was here first". It always strikes me as strange that people post that quote of Carlin's like clockwork. But go ahead and don't even try if you don't believe it. Even more strange is Carlin is a person who fled his violent father at a young age, worked his way into the business and with hard work and a load of talent became a great comedian. A multimillionaire at that.
Too many people criticism the economic system rather than work within the system to better their lives. You seem to have a positive outlook with your writing, but then post that quote which goes against any of your learned experiences.
Edited by despisedicon (04/11/11 11:23 AM)
|
Raven Gnosis
๐ฐ๐ข๐ฏ๐ญ๐ข๐ซ๐ฑ๐ฆ๐ ๐ฆ๐ก๐


Registered: 02/10/11
Posts: 1,311
Loc: Necoc Yaotl
|
Re: Why are americans doing the least? [Re: zappaisgod]
#14272119 - 04/11/11 12:30 PM (13 years, 1 month ago) |
|
|
Quote:
zappaisgod said: The only person who did anything wrong was your father who took out loans he couldn't afford. Now with the new payday loan laws fewer people will be able to get them at all probably including him. I'm sorry if that is harsh but I believe if you borrow money you have to pay it back. There is no such thing as predatory lending, only predatory borrowing. The interest rates are right there in the contract he signed.
Well, that might be true if they had stated what they were actually going to charge him. It wasn't in the fine print and they were eventually shut down in their entirety for larceny. Not all of the businesses we borrowed from, from time to time did that, just 3 of them that we unluckily used... That I would indeed say is predatory of them.
-------------------- To be human is to be fettered, to endure what one is, in perpetuum, no matter what the debility or perversity.
|
zappaisgod
horrid asshole


Registered: 02/11/04
Posts: 81,741
Loc: Fractallife's gym
Last seen: 7 years, 11 months
|
Re: Why are americans doing the least? [Re: Raven Gnosis]
#14272324 - 04/11/11 01:13 PM (13 years, 1 month ago) |
|
|
If they were shut down for "larceny", as you say, how were they able to get a court order to garnish his wages? If he had a steady government job and lived within his means why did he need payday loans in the first place? Why would anybody take out a loan without reading the papers and knowing how much he would have to pay back?
--------------------
|
zappaisgod
horrid asshole


Registered: 02/11/04
Posts: 81,741
Loc: Fractallife's gym
Last seen: 7 years, 11 months
|
Re: Why are americans doing the least? [Re: gerryjarcia]
#14272377 - 04/11/11 01:22 PM (13 years, 1 month ago) |
|
|
Quote:
zappaisgod said:
Quote:
gerryjarcia said:
Quote:
zappaisgod said:
Quote:
gerryjarcia said:
you seem to live in some sort of simplistic vacuum where life is always predictable and you're always one step ahead of the game. nice to know you have the luxury of this kind of thinking, most of us have to deal with life as it comes 
Most of us don't actually fuck up that bad. It's amazing but true.
i find the inverse to be more accurate.
Maybe you should stop hanging out with idiots.
Quote:
gerryjarcia said:
Quote:
zappaisgod said: Maybe you should stop hanging out with idiots.
wow, it's like talking with Glenn Beck.
If most of the people you know fuck up that badly you most certainly are hanging out with idiots and judging by your Glenn Beck reference you seem to find a lot of common ground with them. Not even my most idiotic employees got their wages garnisheed. I got a notice for one guy once but a DNA test squashed that nonsense from Child Protection.
--------------------
|
linkamathingy
Aspiring Mycologist


Registered: 10/27/10
Posts: 1,235
|
Re: Why are americans doing the least? [Re: zappaisgod]
#14272492 - 04/11/11 01:47 PM (13 years, 1 month ago) |
|
|
another reason there is inaction:
a lot of americans are heavily invested both literally and figuratively in a horrible crippling way of life. living beyond your means, it's like overdriving your headlights, looking to crash.
what i'm talking about is when people feel the need to consume and they don't save or find a real investor, they go ask the bank to write them up some assets, to help them sign money into existence, creating frivolously inflated markets and destroying an economy's real working capital.
|
Raven Gnosis
๐ฐ๐ข๐ฏ๐ญ๐ข๐ซ๐ฑ๐ฆ๐ ๐ฆ๐ก๐


Registered: 02/10/11
Posts: 1,311
Loc: Necoc Yaotl
|
Re: Why are americans doing the least? [Re: zappaisgod]
#14272619 - 04/11/11 02:15 PM (13 years, 1 month ago) |
|
|
Jeez, I already explained some of that.
The way his paychecks fell, he didn't have the exact amount of money he needed to pay the bills every time. I assume you don't have kids? I know every person I know who does, bitches about how the random bills injuries and the sort they produce can be a real pain in the ass and a minor set back. It didn't matter what the papers said, it was larceny, lol. They were supposedly operating within legal terms at the time, which was obvious hogwash otherwise they wouldn't have been shut down and we, later compensated.
-------------------- To be human is to be fettered, to endure what one is, in perpetuum, no matter what the debility or perversity.
|
zappaisgod
horrid asshole


Registered: 02/11/04
Posts: 81,741
Loc: Fractallife's gym
Last seen: 7 years, 11 months
|
Re: Why are americans doing the least? [Re: Raven Gnosis]
#14273048 - 04/11/11 03:36 PM (13 years, 1 month ago) |
|
|
If they were crooks, they were crooks. And I'm sorry, having kids and no float for a month is utterly irresponsible. And yes I do have kids. One of my own and two step sons. Most of my friends have kids. None of them came anywhere near fucking up that big. It is expected to have random bills within a certain range and irresponsible not to take account of it. You made no mention of any catastrophic disaster. If you can't figure out that the inevitable unexpected is going to happen then you aren't paying attention.
You know what would be a catastrophic disaster. Thinking you had medical insurance and finding out that the association accountant embezzled the money just after your wife was diagnosed with lung cancer. Happened to my father who had three kids. He was a middle class guy. He still managed to put his last kid through school and support her for some time thereafter. Because he wasn't living beyond his means and had saved money. Because he was smart enough to plan for bad hits.
--------------------
|
GI_Luvmoney
Vote Republican!


Registered: 05/10/09
Posts: 939
|
Re: Why are americans doing the least? [Re: Greenvalley]
#14273177 - 04/11/11 04:01 PM (13 years, 1 month ago) |
|
|
Here's the way it works. DNA can reproduce all by itself. If you put a strand of DNA in a test tube of water and add some nucleotides it will reproduce itself. Enzymes greatly speed up the process. According to chemical evolution studies, the chemicals of life arose in the ocean and eventully evolved into living organisms. DNA found a way through trial and error and natural selection to associate itself with other chemicals to facilitate its reproduction, thus bags of chemicals formed which are known as cells. Many cells can live independently as micro-organisms and many cells have evolved into multicellular organisms like us.
The purpose of life is to facilitate reproduction of DNA.
Over time, organisms evolved a spirit-brain interface that allowed spirits to incarnate into living organisms in the physical world. Its not known exactly where these spirits come from. Some think they're from God. Maybe they came from organisms that lived before and were able to survive death and reincarnate. Who knows?
Are you a concious being? What is conciousness? What makes you different from non-sentient substances?
Light and matter have a common origin, the electromagnetic aether. Maybe spirits are also waves in the aether like light and matter. This brings us back to the atheists belief in the mind just being produced by some sort of organised processing mechanism like a computer.
Energy cannot be created or destroyed, but can be changed from one form into another. All processes in the universe contribute to an increase in entropy in the universe. Why isn't our universe in heat death already? How did everything get to that alledged one point in "space-time?"? If there was an infinite amount of energy in all of existence then entropy could increase forever without end. Then we would be living in one of an infinite number of big bang universes in infinite space. In order to be consistant with Newtonian relativity, space would have to be infinite. An end to space would allow you the measure a velocity relative to that point in space which would be an absolute velocity which Newtonian mechanics suggests is impossible, therefore space is infinite. Its generally observed that you can't get something from nothing which might suggest that everything is eternal.
Now that I have proven that everything is infinite and eternal, this proves there is no absolute purpose to life. This is known as Nihlism. Value is relative. Mass, length and time also vary with frame of reference. Everything is relative.
|
gerryjarcia
biophiliac



Registered: 05/29/10
Posts: 1,889
Loc: the woods
|
Re: Why are americans doing the least? [Re: GI_Luvmoney] 1
#14273577 - 04/11/11 05:00 PM (13 years, 1 month ago) |
|
|
zappa, you've come across as an "always right" kinda person. so you know what man, you're right. there you go
--------------------
"We are all intoxicated. We were born into an insane asylum, a world crazy-making. We believe what we see and hear. The real myth is the myth of sanity, of rationality: it's a disease that is eating away at the earth. All the poisons flow from our denial. We deny madness, we forget our crimes, we dismember the corpse, we imprison our children. We need poison to poison the poison, to remember the sacred nature of intoxication, the green body of the young god." ~ Dale Pendell
|
GI_Luvmoney
Vote Republican!


Registered: 05/10/09
Posts: 939
|
Re: Why are americans doing the least? [Re: gerryjarcia]
#14273656 - 04/11/11 05:13 PM (13 years, 1 month ago) |
|
|
|
Greenvalley
PRS



Registered: 06/16/10
Posts: 2,033
Loc: Why not?
Last seen: 3 years, 6 months
|
Re: Why are americans doing the least? [Re: GI_Luvmoney]
#14273918 - 04/11/11 05:59 PM (13 years, 1 month ago) |
|
|
Quote:
GI_Luvmoney said: Here's the way it works. DNA can reproduce all by itself. If you put a strand of DNA in a test tube of water and add some nucleotides it will reproduce itself. Enzymes greatly speed up the process. According to chemical evolution studies, the chemicals of life arose in the ocean and eventully evolved into living organisms. DNA found a way through trial and error and natural selection to associate itself with other chemicals to facilitate its reproduction, thus bags of chemicals formed which are known as cells. Many cells can live independently as micro-organisms and many cells have evolved into multicellular organisms like us.
The purpose of life is to facilitate reproduction of DNA.
Over time, organisms evolved a spirit-brain interface that allowed spirits to incarnate into living organisms in the physical world. Its not known exactly where these spirits come from. Some think they're from God. Maybe they came from organisms that lived before and were able to survive death and reincarnate. Who knows?
Are you a concious being? What is conciousness? What makes you different from non-sentient substances?
Light and matter have a common origin, the electromagnetic aether. Maybe spirits are also waves in the aether like light and matter. This brings us back to the atheists belief in the mind just being produced by some sort of organised processing mechanism like a computer.
Energy cannot be created or destroyed, but can be changed from one form into another. All processes in the universe contribute to an increase in entropy in the universe. Why isn't our universe in heat death already? How did everything get to that alledged one point in "space-time?"? If there was an infinite amount of energy in all of existence then entropy could increase forever without end. Then we would be living in one of an infinite number of big bang universes in infinite space. In order to be consistant with Newtonian relativity, space would have to be infinite. An end to space would allow you the measure a velocity relative to that point in space which would be an absolute velocity which Newtonian mechanics suggests is impossible, therefore space is infinite. Its generally observed that you can't get something from nothing which might suggest that everything is eternal.
Now that I have proven that everything is infinite and eternal, this proves there is no absolute purpose to life. This is known as Nihlism. Value is relative. Mass, length and time also vary with frame of reference. Everything is relative.
 I like
|
Seuss
Error: divide byzero



Registered: 04/27/01
Posts: 23,480
Loc: Caribbean
Last seen: 3 months, 8 days
|
Re: Why are americans doing the least? [Re: GI_Luvmoney] 1
#14274467 - 04/11/11 07:43 PM (13 years, 1 month ago) |
|
|
> If you put a strand of DNA in a test tube of water and add some nucleotides it will reproduce itself.
Unfortunately, this is not true. Not only do you need a polymerase to bind nucleotides to the template DNA strand, you also need several proteins to initiate DNA synthesis and to assist in splitting the DNA strand.
> Now that I have proven that everything is infinite and eternal, this proves there is no absolute purpose to life.
Your original premise was flawed; therefore, you have "proven" nothing... other than that you have a lack of understanding of basic biology. The ultimate "purpose" of life is to survive; everything else you wrote is moot.
|
ahchela
Tourist



Registered: 03/01/11
Posts: 399
Loc: Pacific North West
|
Re: Why are americans doing the least? [Re: Seuss]
#14274491 - 04/11/11 07:47 PM (13 years, 1 month ago) |
|
|
Quote:
Seuss said: Your original premise was flawed; therefore, you have "proven" nothing... other than that you have a lack of understanding of basic biology. The ultimate "purpose" of life is to survive; everything else you wrote is moot.
Is it possible not to survive? What is death?
Not trying to be petty, but I'm skeptical about the whole death idea. Purpose as well, very hard to prove. Personally I lean on the idea that, if there is a purpose, it would be existing.
Though based on the quotations you use over "proven" and "purpose" I would guesstimate that you are skeptical as well.
-------------------- Psychedelics will not give you a lobotomy, but tv will.
|
meatcakeman
the search for bodhisattva



Registered: 07/03/07
Posts: 8,380
Loc: el sol
Last seen: 11 years, 1 month
|
Re: Why are americans doing the least? [Re: DieCommie]
#14275063 - 04/11/11 09:37 PM (13 years, 1 month ago) |
|
|
Quote:
DieCommie said: Not me. You have to really try to fuck up that bad in the US.
or just be born into it.
-------------------- ๅคงๅผ็ผ็
 
Hasta siempre, comandante.
|
DieCommie

Registered: 12/11/03
Posts: 29,258
|
Re: Why are americans doing the least? [Re: meatcakeman]
#14276823 - 04/12/11 07:51 AM (13 years, 1 month ago) |
|
|
Then how would that be 'fucking up'? 
If you get born mentally ill or handicapped, you have not 'fucked up'.
|
meatcakeman
the search for bodhisattva



Registered: 07/03/07
Posts: 8,380
Loc: el sol
Last seen: 11 years, 1 month
|
Re: Why are americans doing the least? [Re: DieCommie]
#14278917 - 04/12/11 04:33 PM (13 years, 1 month ago) |
|
|
Quote:
DieCommie said: Then how would that be 'fucking up'? 
If you get born mentally ill or handicapped, you have not 'fucked up'.
i'm not talking about that at all, mi amigo. i'm talking about the perpetuating dependency that is 'the ghetto'.
-------------------- ๅคงๅผ็ผ็
 
Hasta siempre, comandante.
Edited by meatcakeman (04/12/11 04:39 PM)
|
Therian
Stranger

Registered: 03/04/09
Posts: 684
|
Re: Why are americans doing the least? [Re: zappaisgod]
#14281755 - 04/13/11 12:54 AM (13 years, 1 month ago) |
|
|
[Quote:
Ummm no. It is a mandatory retirement fund.
SS was never meant to be a retirement fund. Anyone that believes it to be so, or would rely on it for one, most certainly is a retard of the highest order. It's analogous to stating the food stamp program is a mandatory grocery shopping fund.
Quote:
The only person who did anything wrong was your father who took out loans he couldn't afford. Now with the new payday loan laws fewer people will be able to get them at all probably including him. I'm sorry if that is harsh but I believe if you borrow money you have to pay it back. There is no such thing as predatory lending, only predatory borrowing. The interest rates are right there in the contract he signed.
What the payday loan operators can't make any money only charging a 40% interest rate? I recently read an article on them and what I found interesting is that they were begging the repubs to block the legislation regulating their lending procedures. They said it would "kill jobs". Yes, tons of us business owners have been lining up to get a loan at 40% much less 911%.
"The average interest rates charged by most companies will be 911% if you have a loan for one week, and up to 456% if you have your loan for two weeks." And people attempt to say that they banks were screwed by the federal gov. for lending them TARP money at usurious rates. I guess it is impossible for them to be predatory then, as only the borrowers such as goldmans can be predatory. Even after all the regulations the banks are still making out like bandits. http://www.businessweek.com/investing/wall_street_news_blog/archives/2009/06/big_banks_pay_b.html
They also are breaking the law, engaging in unethical and illegal practices of hiding fees that are placed on consumers.
There's only one way to get the best price on a service: Shop around. And there's only one way to shop around: Compare prices. But banking consumers who try to engage in this pillar of free market economic activity often simply can't, according to a study released Tuesday by a consumer group.
At nearly one in four banks, consumers can't learn the price of doing business because fee schedules are unavailable before they sign up, according to the Public Interest Research Group (PIRG), which conducted the study. Those banks are breaking the Truth in Savings Act, which requires such up-front fee disclosures, it said.
The results are all the more concerning because they mirror results from a similar study conducted by Congress' Government Accountability Office three year ago, which spurred government regulators to reiterate banksโ obligation to offer fee disclosures in 2010.
PIRG conducted an extensive "secret shopper" study to craft the report, โBig Banks, Bigger Fees: A National Survey of Bank Fees.โ PIRG sent staff members to 392 banks and credit union branches in 21 states and reviewed online fees at banks over the past six months.
Only 38 percent of banks produced fee schedules after the first request, PIRG found. After three requests, compliance jumped to 55 percent. Still, about one-quarter of banks provided incorrect information and 23 percent never produced fee information at all, it said.
"Shopping for banks is harder when they donโt obey the law and provide up-front information about the fees they charge,โ said Jon Bartholomew, consumer advocate at PIRG's Oregon office. โLocal community banks and credit unions are more likely than national banks to provide fee schedules."
Virtually no banks made the query easy: fee brochures were nowhere to be found on brochure racks near the doorway, and tellers often couldn't produce the information. In many cases, consumers were referred to banks sales staff sitting behind loan desks, who often tried to act as "closers" at car dealerships, according to the report, aggressively pushing consumers to sign up for accounts. Even then, the undercover PIRG staffers received "a variety of versions of 'no,' such as 'look online,' or 'you need to open an account.'"
Other anecdotes provided by researchers offer more insight into frustration consumers might feel when shopping around.
In one Massachusetts bank: โThey said they didn't have any pamphlets on fees, that there were no overdraft fees because you can't overdraft with them, and when I asked for a pamphlet on fees they said the only option was to sit down and discuss my โpersonal situation.โโ
In Florida: โThey didn't give me the info until I listened to their whole spiel about different accounts.โ
In New York: โWe don't USUALLY give these out.โ
Even when banks offered answers, the quality of those answers was inconsistent.
"Many banks had no information. Some banks had incomplete information," the report said. "Wells Fargo had detailed fee schedules, but its affiliated bank, Wachovia, instead merely included suggestions to consumers to 'call this number for detailed fees.' Other banks said, โsee fee schedule,โ but had no links to one. Other web pages urged consumers to 'visit a branch' for details."
As banks engage in a massive round of fee increases -- and as free checking accounts begin to fade into the sunset -- fee disclosures will become more important than ever. Consumers struggling to find cheaper accounts might become discouraged and perceive that the so-called "switching costs" are too high. That could make them victims of banking inertia - paying too much to stay at their current bank.
"Avoiding higher bank fees by shopping for a bank account is not easy,โ the report concluded. โThe lack of enforcement has even extended to the laws requiring simple disclosures, so consumers cannot shop around."
|
|