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(38 posts)

Holiday Debt

  • Started 1 year ago by hooper1961
  • Latest reply from oddreality

  1. hooper1961
    Member Profile

    I want to know the wisdom of buying stuff on credit and then paying interest?

    Posted 1 year ago #         
  2. it's the American way, dontcha know?

    People will do what they do..is it wise? Probably not. Do I do it? No. But then, I've been told it's not wise to not have a credit card. Oh, well..

    Hooper, you will drive yourself crazy thinking about these things constantly. Maybe take a break, have a little eggnog (yes, I know it's not healthy), spiked, even, relax, enjoy the holiday, and it's meaning, and just be thankful for all you have. Merry Christmas !

    Posted 1 year ago #         
  3. hoop
    if it doesn't make sense to you don't do it
    i'm not

    Posted 1 year ago #         
  4. hooper1961
    Member Profile

    the point is that too many people bury themselves in debt and then cry to the taxpayer when they lose their job and can't pay their debts.

    Posted 1 year ago #         
  5. Do taxpayers bailout Christmas binge buyers?

    I did not know that.

    Posted 1 year ago #         
  6. DBP...yep...I always thought that if I run up a CC, I have to pay it back...you learn something every day, huh. Now, how do I apply for taxpayer help?

    Posted 1 year ago #         
  7. hoop..

    i think you have been tippling too much eggnog.

    the government doesn't bail out individuals who run up debt and make poor business decisions
    they only bail out only really really big businesses...

    Posted 1 year ago #         
  8. hooper1961
    Member Profile

    who the heck do you think ends up getting medicaid? many times it is people who live beyond their means and rack up significant credit card debt.

    Posted 1 year ago #         
  9. hoop..

    the people who end up on medicaid are people who get really sick and tap out every resource they have trying to pay their medical bills...

    because.. they don't give you medicaid until every resource you have is gone

    i really don't know what world you live in but your conception of welfare queens is sadly out of date.

    Posted 1 year ago #         
  10. hooper1961
    Member Profile

    JoB - and many because they have dug themselves into a hole in the first place suck up even more tax dollars!

    personally medicaid ought to be eliminated in 2014; either purchase insurance or live/die with the consequences if you choose not to purchase insurance.

    Posted 1 year ago #         
  11. you are so full of it, Hooper...you have no idea how difficult it is to get Medicaid, and then keep it. The paperwork, the way DSHS dogs yu at every turn to report this or that, more paper work, mre proof that your income is low, etc etc. You really think those who get it don't mind the grovelling...and then the attitude they get from people like you. To constantly be told we're looking for a hand out, that we're freeloaders, that we simply screwed up our life with credit card debt, over spending on stuff we don't need? Seriously?

    You have blinders on....and you sound like a very uncompassionate man....and , frankly, I feel sorry for you.

    I didn't ask to be in this position, insurance -wise. I haven't touched a credit card in years and years. I decided a long time ago that if I didn't have cash for something, I didn't get it.I am going to advocate for you to be the person who tells someone that, too bad, you screwed up your life, and now you're gonna die because you didn't buy insurance ( or couldn't afford it - take your pick). There will be a fancy office, a fancy desk, with a name plate...and you will be the decider. Only provision is, you will have to look them in the eye when you do it, and no rubbing your hands in glee while doing it.

    Posted 1 year ago #         
  12. wakeflood
    Member Profile

    wakeflood

    Agreed, Jan. I personally know two families who played by the rules and got sucked dry and left bankrupt by medical bills. One got "pre-existinged" out of decent, barely affordable insurance and the other just had the best insurance they could afford and got blown out of the water by a $300K health disaster.

    Their savings, zeroed out. Their kids college funds, zeroed out. Their lives fundamentally changed forever.

    Want to call them to tell them to suck it up, Hoop? I'd give you their number but you might just do it.

    Posted 1 year ago #         
  13. wakeflood..I get sick and tired of people who sit in their warm, cozy homes, sitting there judging those who have had disaster befall their lives, like they are leeches on society, and specifically, their bank accounts. It's selfish, it's stupid, it's greedy..and I get exasperated.

    My next big thing, now that I've had open heart surgery with complications, have had cancer in the last 7 years, have had a rare autoimmune disease that shut my kidneys totally down? My next adventure is a kidney transplant (hopefully), at another cost to those sitting in their ivory towers. And they have the nerve to judge the likes of me? I certainly don't wish something catastrophic to befall them...just would love for them to become educated about what is real, and what isn't.

    Posted 1 year ago #         
  14. wakeflood
    Member Profile

    wakeflood

    Sending you best wishes for a speedy recovery, JS. Those double/triple stomach punches are brutal.

    My heart goes out to you and yours. :-)

    At some point I just have to shake my head at those folks. I wasn't born, NOR RAISED, nor educated to scorn those whose lives have taken a tough turn through no fault of their own. And certainly to at least give a fair shake to those who made honest financial mistakes and gotten caught up in them. I'm all for people taking personal responsibility - which seems to always get lost when I talk to Righties - and I pride myself on being as self-reliant as I can but giving people who honestly deserve a second chance or a helping hand is a human thing and separates us from the savages. Or at least it should.

    Posted 1 year ago #         
  15. well, wakeflood, you know us lefties never take responsibility for anything..but we'll take money at every turn, selfishly...at least that's what the righties think.
    That we're only in it for ourselves ;->

    Hee=y, I will be OK..there are many out there in worse shape than me. Thanks for the well wishes. I appreciate it...Hey...what's your blood type? (lol...J/k, j/k ..hehe)

    Posted 1 year ago #         
  16. lisatown
    Member Profile

    “Of all the preposterous assumptions of humanity over humanity, nothing exceeds most of the criticisms made on the habits of the poor by the well-housed, well- warmed, and well-fed.”
    ― Herman Melville

    Posted 1 year ago #         
  17. as far as i am concerned, there is nothing lower than someone who blames another person for ill health.

    Posted 1 year ago #         
  18. hooper1961
    Member Profile

    JoB a person who eats a well balanced diet, exercises, maintains appropriate weight and gets needed sleep is less likely to have ill health than someone who eats junk food, is a couch potato, is overweight and does not get appropriate sleep.

    it is time to levy sin taxes on junk food and soda pop!

    Posted 1 year ago #         
  19. Oh christ hooper.....

    Find a new hobby.......

    Mike

    Posted 1 year ago #         
  20. Betty T
    Member Profile

    Hard to believe that a person who is intelligent can still be so ignorant. Not everyone has the intelligence or ability to obtain a decent education to acquire a job that pays enough to cover their living expenses and insurance too. And insurance premiums keep going up whether income does or not.

    I'm qualified for "low income" housing but not qualified for Medicaid until it costs me about $5000 or in otherwords an extreme emergency requiring hospitalization. I carry an insurance that pays what's left after Medicare pays and every year it goes up. I also have a prescription insurance but hit the "donut hole" for 4 mo this year and if not for a credit card I wouldn't have been able to pay for several of my necessary meds. Last year it was only 3 mo. I don't like it but didn't want to use up my measly little savings.

    Hoop appears to be an intelligent person but so uninformed and uneducated about other people's situations. He sounds like the person who the other day bunched all homeless as as bums and druggies. Ive talked to homeless who lost their job through no fault of their own and of course lose insurance when can't pay, use up their unemployment and run through all their savings. They were thankful to be able to go to Nickelsville.

    I know any arguments we give Hoop falls on dead ears. He's opinionated and judgemental. Besides the fact he just likes to argue.

    Posted 1 year ago #         
  21. Ah I think it's time to form an 'alliance'. Lets all agree to NOT take the bait when the trolls throw out their fishing lines. Its clear from what we know about the OP, that the opening line is simply a way to get a rise out of folks.

    If we all stop taking the bait, then perhps the OP will get bored here and taking his fishing someplace else.

    Are you in?

    Posted 1 year ago #         
  22. hoop..

    "JoB a person who eats a well balanced diet, exercises, maintains appropriate weight and gets needed sleep is less likely to have ill health than someone who eats junk food, is a couch potato, is overweight and does not get appropriate sleep."

    I do't know why you are whistling in the dark hoop.. but you keep whistling...

    it won't save you if your particular health bogeyman decides to visit...
    and blaming yourself for not being good enough won't help you get well
    but keep whistling dude.. because that is apparently all you have got.

    your ignorance on this subject is appalling

    Posted 1 year ago #         
  23. oddreality
    Member Profile

    Worrying incessantly about what other people are doing/paying/buying/eating can cause stomach problems ,sleep issues,heart disease and high BP as well as possibly being a symptom of mental illness. I am personally tired of paying extra for my health insurance because of people who make themselves sick fretting about others all the time!!

    Posted 1 year ago #         
  24. oddreality
    you make me smile
    in a good way

    Posted 1 year ago #         
  25. hooper1961
    Member Profile

    oddreality i do not give a hoot what other people do; but if they start taking tax dollars because they failed to save for a rainy day or had a kid before they were financially ready then i do indead get annoyed.

    why the blank should taxpayers be forced to bail people out when they make bad decisions?

    yes i understand bad stuff happens, a bread earning spouse gets killed in a freak accident and providing a helping hand in this type of unfortunate situation is appropriate.

    on the other hand a teenage couple get pregnant with no job or education to support a child. in this situation the government should not provide financial assistance and instead provide adoption services to ensure the child is properly taken care of without welfare!

    Posted 1 year ago #         
  26. if you wait until you're financially ready to have a child, there would be no children. Those teenagers? Educate them...make contraceptives available to them. And keep repeating it to them.

    Is everything in your life measured by the almighty dollar, Hooper?

    Posted 1 year ago #         
  27. hooper1961
    Member Profile

    JanS - there would be children; the parents would be a bit older, wiser and have jobs! And contraceptives are available (dispensers exist at community centers)

    Posted 1 year ago #         
  28. oddreality
    Member Profile

    I would rather bail people out from having made bad decisions [have you never made a bad decision??] than have them dying on the streets or starving their children.Not everyone is as "capable" as you are it would seem.

    Ah..so what you really hate is teenagers having sex.LOL I doubt that the situation you describe costs us taxpayers anywhere near the amount it costs us to blow people up around the world in the name of Democracy..Why does that not bother you??We all pay taxes for things we hate to pay taxes for. I know I do and those things are not the same as the things you hate to pay for.

    Here is the thing. You cannot control peoples sexual urges. Really. You cannot.You can help people to do better, you can help the children conceived to have a better start to hopefully avoid the same pitfall.You can provide an excellent education so the kids want to do better and see a future.You can grow the economy so there are actual jobs available to go to.You can do a lot of things but you will never stop young people from having sex.You will not be able to regulate procreation unless you are for free abortion on every street corner.Even then, not everyone would want an abortion..how would you deal with that.Force them?
    Many older people that you think should have children also cannot afford them.What if they have the money and think they are finally ready then have a child with birth defects that require lots of money to repair or to take care of for their life time? Then what??Then that older couple with resources fast becomes an older couple without any left for anything ..not even retirement.Then you would not want to help them to live late in life.They should just die I suppose after dedicating their resources to that child you allow them to have when they are old enough.
    Are children to be yet another thing that is only for the richest among us??

    Worrying about what other people are doing or not doing is not good for anyone. People don't have to live according to your own personal rules.Those are for you to live by.You can deny that you think about what other people are doing but your obsessive broken record posting about other people proves otherwise.

    As Scrooge would say...Bah humbug

    Posted 1 year ago #         
  29. hooper1961
    Member Profile

    oddreality - it is stupid for the US to send legions to other parts of the world and blow things up.

    regarding procreation ADOPTION is a viable answer

    Posted 1 year ago #         
  30. oddreality
    Member Profile

    If adoption were so viable then there would be no children looking for homes.Not everyone wants to adopt out their own child after all we do have feeling involved you know.What is to say the adopting parents will not lose their job and end up on the dole?Or they or the child they adopted develops a major illness that takes all their resources??
    I've often wondered why all the people so against abortion do not have houses full of other peoples children, they seem to think that is the easy answer..it is not.They rarely adopt any themselves but think others should be doing it.

    Posted 1 year ago #         
  31. hooper1961
    Member Profile

    why do so many americans have to adopt children from overseas?

    Posted 1 year ago #         
  32. oddreality
    Member Profile

    Because many times it is easier or faster to adopt abroad than here .Sometimes they think they are saving a child from a horrible situation [and that is generally true] sometimes not enough tiny babies here as most only want tiny newborns and those other older children are left languishing in foster homes.Or they do not want one less than perfect..no defects allowed you know!! Maybe they only want one that looks like their family or with a certain ethnic background and none available. Many reasons, more than I can think of off the top of my head, but not because there are no children here to adopt.We do not even have enough foster homes for all the children out there now. How many have you adopted?
    Me either.
    I had two of my own and that was all I wanted.

    Posted 1 year ago #         
  33. foster homes wouldn't exist if there was a shortage of unwanted children hoop..

    not only do they exist... many children spend their entire lives passing from one foster home to another.

    that's the reality.

    Posted 1 year ago #         
  34. I, miws, do hereby declare that I shall refuse to pay for the carpal tunnel surgery to hooper1961's wrist, caused by his incessant fist shaking, should his insurance fail to cover it.

    Posted 1 year ago #         
  35. Hooper, quite often people adopt is because they medically for some reason cannot have children themselves. Because of "open" adoptions domestically, many couples have waited to adopt a child once the birth mother has the baby. But many times the birth mother changes her mind and keeps the child. It is too painful a process to keep repeating. Adopting from overseas gives children an opportunity to live in a great country. To have an opportunity to grow and have a good future.

    Adoption is great but there are many issues related to it. Your view is simplistic in my opinion. There are many foster children who need us. Once my wife and I work through the issues that affect our son, we will adopt a child domestically.

    My issue with "open" adoptions is this. Many of the people who decide to allow their child to be given up for adoption, still have some parental rights. They may get to visit or be in touch with the child or children. Quite often the progress that the adoptive parent has made with the child gets disrupted by the bio parent that couldn't take care of the child in the first place.

    More people should adopt, BUT, they need to know the issues, problems, and where to go for extra help if they decide to adopt. Most kids that are fostered or are in an overseas orphanage have major trust and attachment issues. They were cheated out of a loving home and trust.

    Young people make more mistakes generally. We can't just discard them, but they also need to be responsible. Sadly the family unit is not what it used to be. Two "normal" parents are always better than one. Meaning that male female or same sex couples are better at raising kids generally than a single parent. Government should not just give handouts but they do need to help the children.

    Look at it this way. A child who is raised properly is going to be a valued tax payer. That is all the government really wants.

    Posted 1 year ago #         
  36. hooper1961
    Member Profile

    russia is banning foreign adoptions.

    i think everyone would agree that a child raised properly in a two parent household with at least one full time worker is far more likely to succeed than a kid raised by a single parent teenager on the dole.

    as a taxpayer the first option two parent household is an obvious choice

    Posted 1 year ago #         
  37. elikapeka
    Member Profile

    Hooper, your last sentence sums up the theme of everything you post here. "As a taxpayer." You never address an issue as a husband, a father, a son, a brother, a neighbor, a friend, a church member, a co-worker, a community member. It's all about you not paying for anything for anybody else. You worry about the price of everything, but know the value of nothing.

    Furthermore, you spend a lot of time resenting people who are less fortunate than you, and yet you have your facts wrong. An individual's level of debt does not qualify you for any type of public assistance. Qualification for those programs are based on income and assets and sometimes health conditions play a part too, such as in SS Disability.

    May I suggest that you spend some time talking to some older people (born, say, in early 1930's or earlier) and find out what it was like before there was any social safety net? Try reading something like "The Jungle" by Upton Sinclar. Read about the dustbowl. Timothy Eagan wrote an excellent book about the failures of both individuals and government there. Ken Burns did an excellent miniseries. You might learn a few things.

    Posted 1 year ago #         
  38. oddreality
    Member Profile

    He does not want to learn, he already knows it all don't you know.

    Russia has every right to stop foreign adoptions bu not for the reason Putin is doing it..I personally believe we adopt way too many kids from other countries,lots of kids here to be adopted them first. I would hate to think had I ever had to put a child up for adoption it could end up a continent away.

    Even though Russia is not like us it does not mean it is a terrible place to live and grow up.They have many orphanages,poorly run, most of the eastern block countries do.They have some real problems and they need to begin to work on the orphanages and care for the children but like here it is the economy that causes most of the kids to have to go there in the first place.They, like us, need more money for social services. Services that keep families together and services for the children that are put into orphanages.It takes money to run things,to run a country - pooled money - you know - tax dollars!!!! OMG...that sounds like socialism!!!

    Posted 1 year ago #         

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