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#41
09-14-2011, 12:29 PM
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He's just demonstrating how SSI recipients can replace their soon to be lost income.
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#42
09-14-2011, 04:42 PM
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"Have the clean racing people run any ads explaining that giving a horse a Starbucks and a chocolate poppyseed muffin for breakfast would likely result in a ten year suspension for the trainer?" - Dr. Andrew Roberts
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#43
09-14-2011, 04:44 PM
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It's antitrust to you.
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#44
09-14-2011, 04:45 PM
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So your puzzlement at taking responsibility for yourself comes from .... ?
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"Have the clean racing people run any ads explaining that giving a horse a Starbucks and a chocolate poppyseed muffin for breakfast would likely result in a ten year suspension for the trainer?" - Dr. Andrew Roberts
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#45
09-14-2011, 04:48 PM
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"Have the clean racing people run any ads explaining that giving a horse a Starbucks and a chocolate poppyseed muffin for breakfast would likely result in a ten year suspension for the trainer?" - Dr. Andrew Roberts
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#46
09-14-2011, 04:49 PM
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since Dr Bef made a huge deal about a Democrat winning New Yorks 23rd (or 26th?) Congressional District seat in a highly Red area.... don't you think Dr Bef would have something to say about the Republican winning Weiners seat in a highly blue area? Or does she only comment when it fits Dr Befs agenda?
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#47
09-14-2011, 04:50 PM
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#48
09-14-2011, 04:56 PM
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#49
09-14-2011, 05:02 PM
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"Have the clean racing people run any ads explaining that giving a horse a Starbucks and a chocolate poppyseed muffin for breakfast would likely result in a ten year suspension for the trainer?" - Dr. Andrew Roberts
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#50
09-14-2011, 05:36 PM
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I'm a very laid back biotch in real life. I find antagonising you on the politics section of an internet horse racing website to be kind of fun, Dr. Bef.
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#51
09-14-2011, 05:37 PM
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and I will have a drink... thank ya very much. You buying?
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#52
09-14-2011, 05:44 PM
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ironically allowing an employee to invest/save his SS/Medicare tax along with his employer's contribution would achieve savings of 10.4% presently and 12.4% a year, once the payroll tax cut expires. About time Americans grow up and takes responsibility for themselves rather than the 'woe is me', 'I was abused/bullied/forced fed bad foods/ not informed of the dangers of smoking etc etc. etc., with a hand out attitude that is polluting our country today.
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#53
09-14-2011, 05:59 PM
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It's an unqualified success. And it has nothing at all to do with a feeling of "entitlement". It's about time the narcissistic, selfish "me, me, me," crowd of current young people realize that the ongoing privilege of being American citizens requires their personal participation and commitment to being a member of the social fabric of this country. Some had best grow up and start saving 10-20% of their take home pay - ohmygawd, even if they can't have the car and house and electronics they want immediately! - from the time they start working as teenagers, throughout their lives, because that's what mature adults do for themselves. Only fools ignore planning for their own retirement or assume a Social Security anti-poverty stipend is enough to live on in their old age. Or immaturely refuse to cut out their Starbucks daily coffee and save that for a rainy day, while vocally complaining about decades-old social programs that benefit everyone in this country and literally saves lives. Bitching and whining that 6.2% (currently less in 2011) commitment of your lifetime wages only up to a certain ceiling amount, ensures that no American - including themselves - will live in poverty in old age is the whining selfish bullshit of the self-entitled generation who seem want to enjoy all the benefits of this great country, but don't want to contribute. Different opinion. Ain't America great?
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"Have the clean racing people run any ads explaining that giving a horse a Starbucks and a chocolate poppyseed muffin for breakfast would likely result in a ten year suspension for the trainer?" - Dr. Andrew Roberts Last edited by Riot : 09-14-2011 at 06:10 PM.
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#54
09-14-2011, 06:16 PM
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Just as mature adults should be responsible for their own healthcare or lack of it.
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#55
09-14-2011, 06:40 PM
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You've switched the subject and done a 180 again, I guess. People contribute to Social Security their entire working lives. It's no "bailout". It's an "entitlement" - because you are entitled to participate in the program when you've contributed your whole life. Dell: "Desperately in search of one of Ronald Reagan's imaginary welfare queens to blame for ... whatever he doesn't like".
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"Have the clean racing people run any ads explaining that giving a horse a Starbucks and a chocolate poppyseed muffin for breakfast would likely result in a ten year suspension for the trainer?" - Dr. Andrew Roberts
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#56
09-14-2011, 07:46 PM
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The people who are going to be recipients of Quote:
are not. Sorry I kind of cross threaded the comment but since SS contributions is the 'cash' at least in part, used to finance such programs, it's pertinent. See this is how not SS but the mishandling of SS contributions adds to the debt. SS money comes in, BS goes out and the treasury marks down an IOU in the same amount that is directly added to the debt. The mortgage bailout program is nothing more than a reward for being irresponsible or immature as you stated. And at whose expense? The responsible and mature is who!
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#57
09-14-2011, 08:25 PM
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Why don't you post a link, and start a new thread?
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"Have the clean racing people run any ads explaining that giving a horse a Starbucks and a chocolate poppyseed muffin for breakfast would likely result in a ten year suspension for the trainer?" - Dr. Andrew Roberts
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#58
09-14-2011, 08:49 PM
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 Oh, Dell, where would you be, if you didn't have straw men to cause all the ills of this unGaltian world! By Mary Ellen Podmolik , Tribune reporter Wed Sep 14 2011 6:00 AM Unemployed and underemployed homeowners in the Chicago area could soon receive up to $25,000 in mortgage help under a $345 million federally funded program that will be announced Thursday by the state of Illinois. The "hardest hit" fund, which carries a long list of eligibility criteria, may provide the only relief of its kind for as many as 15,000 struggling homeowners who may have been rejected by other assistance programs, officials said. It is aimed at Illinois residents whose incomes have fallen by at least 25 percent, providing a 10-year, forgivable loan to bring them current on delinquent mortgages and then keep them current for up to 18 months. If all criteria are met, homeowners do not have to repay the loan. Unlike the Obama administration's loan modification program that has been roundly criticized for not reaching the millions of people it promised hope to, the hardest-hit funds will make a difference by providing "absolute relief" for qualified homeowners, said Mary Kenney, executive director of the Illinois Housing Development Authority. That's because mortgages will be made current without the missed payments and fees tacked onto the end of a mortgage. "It's a big dent," she said. "The reality is the (foreclosure) problem is bigger than any (one) of us can solve. (The program) can do a lot in the short term." Eighteen states and Washington, D.C., received mortgage relief funds under the hardest-hit program, an initiative announced by President Barack Obama in February 2010 to help states most affected by the economic downturn. Specifically, states were selected if their unemployment rates were higher than the national average or their home values declined more than 20 percent. Illinois' unemployment rate remains stubbornly high, at 9.5 percent in July, higher than the national average. Meanwhile, home values in the Chicago area have fallen 31 percent since they peaked in September 2006, according to the S&P/Case-Shiller home price index. States were given some latitude in September 2010 in how they administered the funds, and the housing development authority, which is handling the program in Illinois, is the last to get its program off the ground. About $295 million will go directly to consumers in financial assistance, with the rest for program administration. "We took a very deliberate approach," Kenney said. "It's a program that, frankly, is unlike anything this agency has undertaken. It was an amazing amount of infrastructure. A lot of states launched without carefully setting up that infrastructure." Like elsewhere, Illinois' program is expected to have mixed results because of a stringent list of eligibility requirements. The program is tailored to low- and moderate-income households that owe no more than $500,000 on their mortgages and have either a fixed-rate or adjustable-rate loan; annual household income must be at or below 120 percent of the area median income. Homeowners in foreclosure may be eligible for assistance, but lenders may reject the program in cases where the foreclosure is almost completed. Also, homeowners can apply for assistance if they are denied for the federal Home Affordable Modification Program, but they are not allowed to receive a trial loan modification and hardest-hit funds. The program does not provide assistance for second mortgages. Nor will it assist cases in which the name on the home's title and the mortgage are different. In other words, if the mortgage carries the name of a co-signer who is not on the title and whose primary residence is elsewhere, the application will be rejected, according to the guidelines. The three largest servicers, JPMorgan Chase, Bank of America and Wells Fargo, all confirmed on Tuesday their participation in the program. While no servicer has refused, state officials continue to negotiate with others. Kenney said she expects most mortgage investors to support a program in which a loan is kept current and regular payments are made. Earlier this year, the state conducted a pilot of the program, relying on word of mouth from local housing counselors. On July 25, the state quietly went live with a Web portal for applications. As of Monday, 5,200 homeowners had applied for assistance, half of them from Cook County, and 74 percent of homeowners passed the initial prescreening. Of the 915 cases that have moved to underwriting, 95 have been declined, 24 have been funded and the state is negotiating with servicers in another 150 cases. The rest are somewhere in the approval process, and, as a result, $605,000 has been committed to date, said IHDA chief of staff Bryan Zises. Unless homeowners find themselves in the most dire circumstances, the program is not free: There is a buy-in so consumers have a stake. Participants must make monthly payments to the agency of 31 percent of their gross income, including unemployment compensation. The agency will pay 100 percent of the mortgage payment directly to loan servicers for up to 18 months or until the $25,000 maximum limit is reached. If a homeowner has exhausted jobless benefits and has no income, IHDA will cover the entire monthly payment, Zises said. If a participant misses two monthly payments to the agency, the state will begin the process of terminating them from the program. If the participant remains in good standing but sells the home within the first five years, the loan only has to be repaid if the homeowner makes a profit on the sale. For the second five years, a portion of the loan is forgiven monthly. To apply for the program, homeowners begin the application process at IllinoisHardestHit.org, a point that will be stressed in marketing materials to lessen the opportunity for scam artists to capitalize on homeowners' misfortunes by offering to handle the process for fee. "Everything about this is free,'' Zises said. "Our website is the only place that is a legitimate site." Another $100 million the state received in hardest-hit funds has been approved for use by Mercy Portfolio Services for a program to help modify people's loans. That program remains in development.
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"Have the clean racing people run any ads explaining that giving a horse a Starbucks and a chocolate poppyseed muffin for breakfast would likely result in a ten year suspension for the trainer?" - Dr. Andrew Roberts
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#59
09-14-2011, 08:59 PM
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Unless there is a special giveaway tax I haven't heard about, SS taxes are providing at least part of the cash for this newest sweepstakes giveaway. Again social security doesn't add to the debt but using SS contributions for BS programs certainly does. The only way to keep a politician (either party) from spending is to limit their spending money. Privatizing or at least privatizing management of individual accounts would do wonders in keeping SS cash out of the politicians' (both parties) hands. As we preach the 10% savings rule we also preach having a diversified portfolio of investments. Having 100% of the portfolio, in one investment, in the form of IOU's is ludicrous in the world of responsible and mature.
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#60
09-14-2011, 10:02 PM
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"Have the clean racing people run any ads explaining that giving a horse a Starbucks and a chocolate poppyseed muffin for breakfast would likely result in a ten year suspension for the trainer?" - Dr. Andrew Roberts
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