[Leorocky]

what price are they offering it to you at? if it’s $10 that means someone is making a 7% commission (which comes out of your investment). Stay away.

If you’re buying it at 9.30 or lower it’s an OK deal.

[Leorocky]

You are correct. There are 2 problems with “privitazation” and both lie with the politicians and their cronies who implement it.

1 – it rarely happens in the manner you just described. In your scenario some people might have to pay more for trash p/u. Some less. Some will do it themselves. Point being, it’s up to us.

What usually happens is the city locks in a contract with a private sector entity that you are required to use. We’re told they are picked based on cost but in reality it’s whomever wined and dined the right people.

Sure the contract looks good on paper – youre replacing a bunch of unionized workers with $12/hr workers. But the same government mentality seeps in.

“the contract assumes X% growth in population such that in 15 years garbage p/u will have doubled….sounds good to us”

because we all know that home prices and the market and wages always go up in a straight line, right? And innovation never occurs. Nothing ever changes.

2 – when the privitazation occurs the upfront payment and the savings are just tossed back into the system to pay for shortfalls or new spending instead of immediately being returned to taxpayers. If they want that savings for other things let us vote on it.

Also, instead of canning the old garbage men we insist they get picked up by the private co (increasing their costs) or moved to other city jobs where they keep their pay and bene’s.

[Leorocky]

I doubt the people who are defending the pension system or telling us it’s been “reformed” or fixed were even aware of this.

It’s the attitude that bothers me the most. They get their pensions, no matter how much they cost and if we even question it or point out the self dealings we’re “jealous”.

Someone else said they hear court employess say things like “the public doesnt want to pay for services anymore…”. Uh, no – we demand service. We demand your best. Sure, at some point there will be a degredation if funding is truly lacking, but in the meantime every stone needs to be turned in terms of efficiency, process improvements and wage and benefit reductions. Not “well we used to do that but Joe retired and I’m not going to do more”.

[Leorocky]

Somewhere in this thread someone suggested that pension largess issues were ‘fixed’ because the workers had their contributions raised. I guess not.

“It’s called the “pension pickup” — and like a rich uncle picking up the tab at a big family dinner, Bay Area taxpayers footed the bill for more than $221 million last year for the employee share of 63,000 public workers’ pension contributions. The practice undermines retirement rules that were designed to force employees to share the burden for their pensions.”

http://www.huffingtonpost.com/2013/06/23/california-pension-pickup_n_3486802.html?ir=San+Francisco

[Leorocky]

IIRC OJ never filed BK. Since the civil judgement agianst him was due to his own actions (i.e. not just negligence) it can’t be wiped out in BK.

For example, you hit someone with your car and seriously inujure them. If you are sober and it’s a pure accident you can usually have any judgement thrown out in a bk. If you were drunk or there was any kind of criminal element it’s different.

The primary residence exemption in unlimited in FLA, in CA it only goes up to I think $125k if you have eldery or diasbled people living with you.

A self settled trust gives no additional protection. However, it is very difficult to force the sale of a primary residence in CA. I have been told this by several lawyers.

[Leorocky]

IIRC OJ never filed BK. Since the civil judgement agianst him was due to his own actions (i.e. not just negligence) it can’t be wiped out in BK.

For example, you hit someone with your car and seriously inujure them. If you are sober and it’s a pure accident you can usually have any judgement thrown out in a bk. If you were drunk or there was any kind of criminal element it’s different.

The primary residence exemption in unlimited in FLA, in CA it only goes up to I think $125k if you have eldery or diasbled people living with you.

A self settled trust gives no additional protection. However, it is very difficult to force the sale of a primary residence in CA. I have been told this by several lawyers.

[Leorocky]

IIRC OJ never filed BK. Since the civil judgement agianst him was due to his own actions (i.e. not just negligence) it can’t be wiped out in BK.

For example, you hit someone with your car and seriously inujure them. If you are sober and it’s a pure accident you can usually have any judgement thrown out in a bk. If you were drunk or there was any kind of criminal element it’s different.

The primary residence exemption in unlimited in FLA, in CA it only goes up to I think $125k if you have eldery or diasbled people living with you.

A self settled trust gives no additional protection. However, it is very difficult to force the sale of a primary residence in CA. I have been told this by several lawyers.

[Leorocky]

IIRC OJ never filed BK. Since the civil judgement agianst him was due to his own actions (i.e. not just negligence) it can’t be wiped out in BK.

For example, you hit someone with your car and seriously inujure them. If you are sober and it’s a pure accident you can usually have any judgement thrown out in a bk. If you were drunk or there was any kind of criminal element it’s different.

The primary residence exemption in unlimited in FLA, in CA it only goes up to I think $125k if you have eldery or diasbled people living with you.

A self settled trust gives no additional protection. However, it is very difficult to force the sale of a primary residence in CA. I have been told this by several lawyers.

[Leorocky]

IIRC OJ never filed BK. Since the civil judgement agianst him was due to his own actions (i.e. not just negligence) it can’t be wiped out in BK.

For example, you hit someone with your car and seriously inujure them. If you are sober and it’s a pure accident you can usually have any judgement thrown out in a bk. If you were drunk or there was any kind of criminal element it’s different.

The primary residence exemption in unlimited in FLA, in CA it only goes up to I think $125k if you have eldery or diasbled people living with you.

A self settled trust gives no additional protection. However, it is very difficult to force the sale of a primary residence in CA. I have been told this by several lawyers.

[Leorocky]

Are there any studies which have been done around credit score and liklihood that an employee would engage in fraud or theft. Do any PIIGs work at FICO? I would like to see some data before I condemn this practice. I feel that employers do have a right to mitigate their risk and this probably helps them to do so.

[Leorocky]

Are there any studies which have been done around credit score and liklihood that an employee would engage in fraud or theft. Do any PIIGs work at FICO? I would like to see some data before I condemn this practice. I feel that employers do have a right to mitigate their risk and this probably helps them to do so.

[Leorocky]

Are there any studies which have been done around credit score and liklihood that an employee would engage in fraud or theft. Do any PIIGs work at FICO? I would like to see some data before I condemn this practice. I feel that employers do have a right to mitigate their risk and this probably helps them to do so.

[Leorocky]

Are there any studies which have been done around credit score and liklihood that an employee would engage in fraud or theft. Do any PIIGs work at FICO? I would like to see some data before I condemn this practice. I feel that employers do have a right to mitigate their risk and this probably helps them to do so.

[Leorocky]

Are there any studies which have been done around credit score and liklihood that an employee would engage in fraud or theft. Do any PIIGs work at FICO? I would like to see some data before I condemn this practice. I feel that employers do have a right to mitigate their risk and this probably helps them to do so.

[Leorocky]

A guy I know puts some kid of transparent tarp/plastic thing over his pool when not in use. It traps/magnifies the sun and heats the pool.

[Author]

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