[equalizer]

[quote=Raybyrnes]SK in CV. Analyzing a financial investment based on the commission of the sales agent vs analyzing based on the benefit of the purchaser relative to other investments is pretty poor analysis. Northwestern Mutual is a very reputable company.

Ask people who bought whole life policies that had guaranteed rates of return of 10% plus and are now plowing money into them how they feel about their policies and they will speak very highly of them.

Buy at the wrong time and in the wrong circumstances and like the housing market you may have a negative opinion.

Have kids who are heading to college and you can hide saving in a life insurance policy qualify for financial aid and potentially borrow from the policy and pay yourself back the interest if necessary. Have wealth that you are looking to pass along tax free and their are applications where life insurance makes sense.

Term life has become very cheap, very similar to renting but what happens if something all of a sudden drives this cost up in a few years.[/quote]
Anyone can read Financial Planning Magazine and see that no one is offering 10% guaranteed rates. Last year there was a sharp drop in sales because benefits had dropped and guaranteed rates plummeted. So what now? The other person pushing VA’s on this blog was bragging about his Ferrari and all his clients were in Camry’s. But yeah, never ever question the commission. Its uncouth, its unpatriotic. Its treason.

Here’s a guarantee: stick with high rated managers from Oakmark, Fairholme, Vanguard Health, Matthews and Royce and you won’t have to search for tax havens.

[equalizer]

[quote=flu][quote=ILoveRegulation]The original post is a rather lame attempt at demonstrating the ‘perils’ of big government. In contrast to the OP’s goal of demonizing big government, the OP has instead unwittingly demonstrated the harm that can befall innocent citizens when powerful, politically-connected private individuals influence government to act in a deleterious manner.

This happens all too often. Regulators at the SEC know that if they look the other way when banksters are raping Main Street, that they will eventually get cush jobs on Wall Street. Regulators at the Minerals Management Service know that if they look the other way while BP rapes the Gulf Coast, they will be rewarded.

The real problem in America is the all-too-common insidious relationship between unscrupulous government regulators and powerful, politically-connected private individuals and corporations with no sense of morality and no fear of prosecution. The constant demonizing of ‘big government’ only serves to drive down the level of political discourse to an elementary-school level while drawing attention away from the real issues.[/quote]

If you have kids, I hope one day you don’t have to deal with this crap. Don’t come sniffling to anyone if it does. But oh, no…It can’t happen to you because nothing ever applies to holy mighty you..[/quote]
Isn’t it amazing that with the state $20-30B in the hole that CPS has unlimited funds to hijack people? Or that the DEA spent $10B on weed eradication/enforcement just last year? In the meantime beat cops are woefully undermanned and fire stations/parks are closing.

[equalizer]

[quote=flu][quote=ILoveRegulation]The original post is a rather lame attempt at demonstrating the ‘perils’ of big government. In contrast to the OP’s goal of demonizing big government, the OP has instead unwittingly demonstrated the harm that can befall innocent citizens when powerful, politically-connected private individuals influence government to act in a deleterious manner.

This happens all too often. Regulators at the SEC know that if they look the other way when banksters are raping Main Street, that they will eventually get cush jobs on Wall Street. Regulators at the Minerals Management Service know that if they look the other way while BP rapes the Gulf Coast, they will be rewarded.

The real problem in America is the all-too-common insidious relationship between unscrupulous government regulators and powerful, politically-connected private individuals and corporations with no sense of morality and no fear of prosecution. The constant demonizing of ‘big government’ only serves to drive down the level of political discourse to an elementary-school level while drawing attention away from the real issues.[/quote]

If you have kids, I hope one day you don’t have to deal with this crap. Don’t come sniffling to anyone if it does. But oh, no…It can’t happen to you because nothing ever applies to holy mighty you..[/quote]
Isn’t it amazing that with the state $20-30B in the hole that CPS has unlimited funds to hijack people? Or that the DEA spent $10B on weed eradication/enforcement just last year? In the meantime beat cops are woefully undermanned and fire stations/parks are closing.

[equalizer]

[quote=flu][quote=ILoveRegulation]The original post is a rather lame attempt at demonstrating the ‘perils’ of big government. In contrast to the OP’s goal of demonizing big government, the OP has instead unwittingly demonstrated the harm that can befall innocent citizens when powerful, politically-connected private individuals influence government to act in a deleterious manner.

This happens all too often. Regulators at the SEC know that if they look the other way when banksters are raping Main Street, that they will eventually get cush jobs on Wall Street. Regulators at the Minerals Management Service know that if they look the other way while BP rapes the Gulf Coast, they will be rewarded.

The real problem in America is the all-too-common insidious relationship between unscrupulous government regulators and powerful, politically-connected private individuals and corporations with no sense of morality and no fear of prosecution. The constant demonizing of ‘big government’ only serves to drive down the level of political discourse to an elementary-school level while drawing attention away from the real issues.[/quote]

If you have kids, I hope one day you don’t have to deal with this crap. Don’t come sniffling to anyone if it does. But oh, no…It can’t happen to you because nothing ever applies to holy mighty you..[/quote]
Isn’t it amazing that with the state $20-30B in the hole that CPS has unlimited funds to hijack people? Or that the DEA spent $10B on weed eradication/enforcement just last year? In the meantime beat cops are woefully undermanned and fire stations/parks are closing.

[equalizer]

[quote=flu][quote=ILoveRegulation]The original post is a rather lame attempt at demonstrating the ‘perils’ of big government. In contrast to the OP’s goal of demonizing big government, the OP has instead unwittingly demonstrated the harm that can befall innocent citizens when powerful, politically-connected private individuals influence government to act in a deleterious manner.

This happens all too often. Regulators at the SEC know that if they look the other way when banksters are raping Main Street, that they will eventually get cush jobs on Wall Street. Regulators at the Minerals Management Service know that if they look the other way while BP rapes the Gulf Coast, they will be rewarded.

The real problem in America is the all-too-common insidious relationship between unscrupulous government regulators and powerful, politically-connected private individuals and corporations with no sense of morality and no fear of prosecution. The constant demonizing of ‘big government’ only serves to drive down the level of political discourse to an elementary-school level while drawing attention away from the real issues.[/quote]

If you have kids, I hope one day you don’t have to deal with this crap. Don’t come sniffling to anyone if it does. But oh, no…It can’t happen to you because nothing ever applies to holy mighty you..[/quote]
Isn’t it amazing that with the state $20-30B in the hole that CPS has unlimited funds to hijack people? Or that the DEA spent $10B on weed eradication/enforcement just last year? In the meantime beat cops are woefully undermanned and fire stations/parks are closing.

[equalizer]

[quote=flu][quote=ILoveRegulation]The original post is a rather lame attempt at demonstrating the ‘perils’ of big government. In contrast to the OP’s goal of demonizing big government, the OP has instead unwittingly demonstrated the harm that can befall innocent citizens when powerful, politically-connected private individuals influence government to act in a deleterious manner.

This happens all too often. Regulators at the SEC know that if they look the other way when banksters are raping Main Street, that they will eventually get cush jobs on Wall Street. Regulators at the Minerals Management Service know that if they look the other way while BP rapes the Gulf Coast, they will be rewarded.

The real problem in America is the all-too-common insidious relationship between unscrupulous government regulators and powerful, politically-connected private individuals and corporations with no sense of morality and no fear of prosecution. The constant demonizing of ‘big government’ only serves to drive down the level of political discourse to an elementary-school level while drawing attention away from the real issues.[/quote]

If you have kids, I hope one day you don’t have to deal with this crap. Don’t come sniffling to anyone if it does. But oh, no…It can’t happen to you because nothing ever applies to holy mighty you..[/quote]
Isn’t it amazing that with the state $20-30B in the hole that CPS has unlimited funds to hijack people? Or that the DEA spent $10B on weed eradication/enforcement just last year? In the meantime beat cops are woefully undermanned and fire stations/parks are closing.

[equalizer]

[quote=flu]Shit like this gives me the creepies and makes me be extra careful when I have to give my kid a bath… I worry that one day in public school, they’re bring in a “social worker” who will ask kids questions taken out of context…And without knowing the kids to blurt out something like “my XYZ parent touched me when giving a bath”…..

….It’s just getting ridiculous. I mean, what the hell do social workers expect parents to do these day, just take out a garden hose and hose your kid down?????

And we need a bigger government and more oversight???????? I really hate our big governments. With a passion….One big frickin nanny nation.

Oh, and welcome to Walmart…..

http://abcnews.go.com/GMA/Weekend/parents-sue-wal-mart-children-bath-time-photos/story?id=8622696

Couple Sues Walmart for Calling Cops Over Bath Time Photos
Children Were Taken Into Protective Custody Over Pictures Taken at Bath Time[/quote]
It’s too bad that you give a hoot. I’m so fat and lazy that the only thing I care about is why Da Bears were not on cable. I will march to DC (only if it’s not snowing) and start a million march to make sure I can watch Da Bears.

It would be nice if someone contacted the Governor’s office and warn of possible State Dept repercussions if this drags on. It would be a terrible tragedy if the foreign Govt initiated UN human rights proceedings against CPS and hired Allan to rescue the kids and deliver them to the sanctuary of the consulate.

Go Bears.

[equalizer]

[quote=flu]Shit like this gives me the creepies and makes me be extra careful when I have to give my kid a bath… I worry that one day in public school, they’re bring in a “social worker” who will ask kids questions taken out of context…And without knowing the kids to blurt out something like “my XYZ parent touched me when giving a bath”…..

….It’s just getting ridiculous. I mean, what the hell do social workers expect parents to do these day, just take out a garden hose and hose your kid down?????

And we need a bigger government and more oversight???????? I really hate our big governments. With a passion….One big frickin nanny nation.

Oh, and welcome to Walmart…..

http://abcnews.go.com/GMA/Weekend/parents-sue-wal-mart-children-bath-time-photos/story?id=8622696

Couple Sues Walmart for Calling Cops Over Bath Time Photos
Children Were Taken Into Protective Custody Over Pictures Taken at Bath Time[/quote]
It’s too bad that you give a hoot. I’m so fat and lazy that the only thing I care about is why Da Bears were not on cable. I will march to DC (only if it’s not snowing) and start a million march to make sure I can watch Da Bears.

It would be nice if someone contacted the Governor’s office and warn of possible State Dept repercussions if this drags on. It would be a terrible tragedy if the foreign Govt initiated UN human rights proceedings against CPS and hired Allan to rescue the kids and deliver them to the sanctuary of the consulate.

Go Bears.

[equalizer]

[quote=flu]Shit like this gives me the creepies and makes me be extra careful when I have to give my kid a bath… I worry that one day in public school, they’re bring in a “social worker” who will ask kids questions taken out of context…And without knowing the kids to blurt out something like “my XYZ parent touched me when giving a bath”…..

….It’s just getting ridiculous. I mean, what the hell do social workers expect parents to do these day, just take out a garden hose and hose your kid down?????

And we need a bigger government and more oversight???????? I really hate our big governments. With a passion….One big frickin nanny nation.

Oh, and welcome to Walmart…..

http://abcnews.go.com/GMA/Weekend/parents-sue-wal-mart-children-bath-time-photos/story?id=8622696

Couple Sues Walmart for Calling Cops Over Bath Time Photos
Children Were Taken Into Protective Custody Over Pictures Taken at Bath Time[/quote]
It’s too bad that you give a hoot. I’m so fat and lazy that the only thing I care about is why Da Bears were not on cable. I will march to DC (only if it’s not snowing) and start a million march to make sure I can watch Da Bears.

It would be nice if someone contacted the Governor’s office and warn of possible State Dept repercussions if this drags on. It would be a terrible tragedy if the foreign Govt initiated UN human rights proceedings against CPS and hired Allan to rescue the kids and deliver them to the sanctuary of the consulate.

Go Bears.

[equalizer]

[quote=flu]Shit like this gives me the creepies and makes me be extra careful when I have to give my kid a bath… I worry that one day in public school, they’re bring in a “social worker” who will ask kids questions taken out of context…And without knowing the kids to blurt out something like “my XYZ parent touched me when giving a bath”…..

….It’s just getting ridiculous. I mean, what the hell do social workers expect parents to do these day, just take out a garden hose and hose your kid down?????

And we need a bigger government and more oversight???????? I really hate our big governments. With a passion….One big frickin nanny nation.

Oh, and welcome to Walmart…..

http://abcnews.go.com/GMA/Weekend/parents-sue-wal-mart-children-bath-time-photos/story?id=8622696

Couple Sues Walmart for Calling Cops Over Bath Time Photos
Children Were Taken Into Protective Custody Over Pictures Taken at Bath Time[/quote]
It’s too bad that you give a hoot. I’m so fat and lazy that the only thing I care about is why Da Bears were not on cable. I will march to DC (only if it’s not snowing) and start a million march to make sure I can watch Da Bears.

It would be nice if someone contacted the Governor’s office and warn of possible State Dept repercussions if this drags on. It would be a terrible tragedy if the foreign Govt initiated UN human rights proceedings against CPS and hired Allan to rescue the kids and deliver them to the sanctuary of the consulate.

Go Bears.

[equalizer]

[quote=flu]Shit like this gives me the creepies and makes me be extra careful when I have to give my kid a bath… I worry that one day in public school, they’re bring in a “social worker” who will ask kids questions taken out of context…And without knowing the kids to blurt out something like “my XYZ parent touched me when giving a bath”…..

….It’s just getting ridiculous. I mean, what the hell do social workers expect parents to do these day, just take out a garden hose and hose your kid down?????

And we need a bigger government and more oversight???????? I really hate our big governments. With a passion….One big frickin nanny nation.

Oh, and welcome to Walmart…..

http://abcnews.go.com/GMA/Weekend/parents-sue-wal-mart-children-bath-time-photos/story?id=8622696

Couple Sues Walmart for Calling Cops Over Bath Time Photos
Children Were Taken Into Protective Custody Over Pictures Taken at Bath Time[/quote]
It’s too bad that you give a hoot. I’m so fat and lazy that the only thing I care about is why Da Bears were not on cable. I will march to DC (only if it’s not snowing) and start a million march to make sure I can watch Da Bears.

It would be nice if someone contacted the Governor’s office and warn of possible State Dept repercussions if this drags on. It would be a terrible tragedy if the foreign Govt initiated UN human rights proceedings against CPS and hired Allan to rescue the kids and deliver them to the sanctuary of the consulate.

Go Bears.

[equalizer]

[quote=SK in CV]A question for you flu.

Based on this sketchy evidence, I have no idea if the father actually committed any crime. Maybe he did, maybe he didn’t, but from what’s been presented, it certainly doesn’t appear to be sufficient to remove the kids from the home. But my question is this….what if the evidence was all but uncontrovertable. Actual photos of dad molesting the kids? Would that have been sufficient for you to believe the kids should be removed from the home?

The reason I ask, is that it seems to me that often when people assail big government, the actual complaint is about bad government. Maybe power hungry social workers. Maybe someone honestly believing, without good evidence that a crime has been committed. Smaller wouldn’t necessarily be any better. Fewer social workers on the street would just as likely to have dangerous egos. Or be so overworked that they just make mistakes. Should CPS not have the power to do what they do? Or should they just be better at it?

(And as an aside, if this government employee really is a social worker, she’s making much more than minimum wage. Social workers are trained medical professionals, and are reasonably well paid, although last I saw the pay scales, those working in the public sector are paid below those in the private sector.)[/quote]
People who enter social work are predisposed to believe everyone is guilty. Judges in the family courts also believe that everyone is a molester by default. They did not got to medical school, therefore they are NOT medical professionals with requisite ethical standards, just overzealous bureaucrats. I used to believe that governement agencies were full of nice, ethical people and then one day I turned 20 and grew up.

[equalizer]

[quote=SK in CV]A question for you flu.

Based on this sketchy evidence, I have no idea if the father actually committed any crime. Maybe he did, maybe he didn’t, but from what’s been presented, it certainly doesn’t appear to be sufficient to remove the kids from the home. But my question is this….what if the evidence was all but uncontrovertable. Actual photos of dad molesting the kids? Would that have been sufficient for you to believe the kids should be removed from the home?

The reason I ask, is that it seems to me that often when people assail big government, the actual complaint is about bad government. Maybe power hungry social workers. Maybe someone honestly believing, without good evidence that a crime has been committed. Smaller wouldn’t necessarily be any better. Fewer social workers on the street would just as likely to have dangerous egos. Or be so overworked that they just make mistakes. Should CPS not have the power to do what they do? Or should they just be better at it?

(And as an aside, if this government employee really is a social worker, she’s making much more than minimum wage. Social workers are trained medical professionals, and are reasonably well paid, although last I saw the pay scales, those working in the public sector are paid below those in the private sector.)[/quote]
People who enter social work are predisposed to believe everyone is guilty. Judges in the family courts also believe that everyone is a molester by default. They did not got to medical school, therefore they are NOT medical professionals with requisite ethical standards, just overzealous bureaucrats. I used to believe that governement agencies were full of nice, ethical people and then one day I turned 20 and grew up.

[equalizer]

[quote=SK in CV]A question for you flu.

Based on this sketchy evidence, I have no idea if the father actually committed any crime. Maybe he did, maybe he didn’t, but from what’s been presented, it certainly doesn’t appear to be sufficient to remove the kids from the home. But my question is this….what if the evidence was all but uncontrovertable. Actual photos of dad molesting the kids? Would that have been sufficient for you to believe the kids should be removed from the home?

The reason I ask, is that it seems to me that often when people assail big government, the actual complaint is about bad government. Maybe power hungry social workers. Maybe someone honestly believing, without good evidence that a crime has been committed. Smaller wouldn’t necessarily be any better. Fewer social workers on the street would just as likely to have dangerous egos. Or be so overworked that they just make mistakes. Should CPS not have the power to do what they do? Or should they just be better at it?

(And as an aside, if this government employee really is a social worker, she’s making much more than minimum wage. Social workers are trained medical professionals, and are reasonably well paid, although last I saw the pay scales, those working in the public sector are paid below those in the private sector.)[/quote]
People who enter social work are predisposed to believe everyone is guilty. Judges in the family courts also believe that everyone is a molester by default. They did not got to medical school, therefore they are NOT medical professionals with requisite ethical standards, just overzealous bureaucrats. I used to believe that governement agencies were full of nice, ethical people and then one day I turned 20 and grew up.

[equalizer]

[quote=SK in CV]A question for you flu.

Based on this sketchy evidence, I have no idea if the father actually committed any crime. Maybe he did, maybe he didn’t, but from what’s been presented, it certainly doesn’t appear to be sufficient to remove the kids from the home. But my question is this….what if the evidence was all but uncontrovertable. Actual photos of dad molesting the kids? Would that have been sufficient for you to believe the kids should be removed from the home?

The reason I ask, is that it seems to me that often when people assail big government, the actual complaint is about bad government. Maybe power hungry social workers. Maybe someone honestly believing, without good evidence that a crime has been committed. Smaller wouldn’t necessarily be any better. Fewer social workers on the street would just as likely to have dangerous egos. Or be so overworked that they just make mistakes. Should CPS not have the power to do what they do? Or should they just be better at it?

(And as an aside, if this government employee really is a social worker, she’s making much more than minimum wage. Social workers are trained medical professionals, and are reasonably well paid, although last I saw the pay scales, those working in the public sector are paid below those in the private sector.)[/quote]
People who enter social work are predisposed to believe everyone is guilty. Judges in the family courts also believe that everyone is a molester by default. They did not got to medical school, therefore they are NOT medical professionals with requisite ethical standards, just overzealous bureaucrats. I used to believe that governement agencies were full of nice, ethical people and then one day I turned 20 and grew up.

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