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December 15, 2013 at 9:17 AM in reply to: So what would you do with someone that keeps taking your newspaper? #769115
svelteParticipant[quote=6packscaredy]He really doesn’t miss us at all. Not one iota. He has his complete own life going on. It Is really really distressing. [/quote]
This must be your first one to leave the nest.
It gets easier to accept with the second.
As for snooping, we lived by the theory “Trust but Verify”. I trusted them, but verified every 6 months or so. I used my sw knowledge to go thru back channels. Never found anything illegal or immoral, so I let the little places they stepped out of bounds go. I always felt a little bad about peeking in, but felt obligated as a parent.
They never found out.
svelteParticipant[quote=flu]I said this before and I say it again.
A lot of people’s problems in this country isn’t they don’t make enough..Their problem is their spending problem.
[/quote]Absolutely true.
I was just as happy when I was broke as I am now. Life is what you make of it.
The family made many poor, poor decisions and I do feel sorry for them. That being said, ya gotta live with your decisions, as they are finding out.
Best of luck to them, and may their next decisions be better ones.
Many millionaires went broke a few times before they made it big.
svelteParticipant[quote=6packscaredy]i admit i am a little overenthusiastic.
but i do feel better.
also i stand up straight now.[/quote]
You’ll probably stand up very straight after you hear what I think of when you start talking about backs.
svelteParticipantI don’t know.
It’s been awhile since I’ve been there, but somehow I doubt a state that elects Michele Bachmann and Jesse Ventura is all that normal or desirable.
And west of 5? With a the traffic and coastal mildew and tourists? No thanks.
November 23, 2013 at 3:30 PM in reply to: OT: The “Radical” Gay Agenda in California Public Schools #768386svelteParticipant[quote=6packscaredy]
you guys seen the video of the 18 year old engineering student from iowa raised by two moms testifying before iowa lawmakers on his family? it was pretty compelling. i’ll try to dig it up. kinda makes one woder about the “in generals” what may be better are perhaps subsumed by the compellingness of the individuals…http://www.youtube.com/watch?v=yMLZO-sObzQ%5B/quote%5D
That is an amazing video. Thank you for sharing.
And thanks to that young man for so eloquently speaking those thoughts.
svelteParticipant[quote=paramount]Late Breaking Info on Fukushima Melt Down:
http://abclocal.go.com/kabc/story?section=news/world_news&id=9317789%5B/quote%5D
The whole topic ticks me off.
Japan screws us time and time again.
One cow in Washington state gets mad cow disease in 2003 and Japan cuts off beef from the US, sending our cattle industry into a tail spin.
They kept their bans in effect even after other countries eased up, and when the *did* back of a little bit – in Jan of this year! – they did so in a way that still keeps most US beef out.
“Japan was the largest market for American beef in 2003, when it restricted imports because of the cow in Washington State. That animal, now famous as “the cow who stole Christmas” because news of its infection broke right before the holidays, essentially shut down the United States export market, as some two dozen other countries followed Japan’s lead.”
“’In one fell swoop, the export market that Japan had helped establish was gone,’ said Mr. Keys, the beef industry consultant.”
“But while other countries have long since eased or reversed their restrictions on American beef imports, Japan’s decision to allow imports only of beef derived from cattle 20 months or younger created a hurdle that was difficult to overcome — most cattle are slaughtered at 24 or 25 months — and costly, because of the paperwork that had to accompany exports to Japan.”
I say it’s time we return the favor and restrict import of all Japanese products out of fear of nuclear contamination. Turnabout is fair play, right?
svelteParticipantIt all depends on who you want to quote, flu. You should know that.
See the glass as half empty if you want.
[quote=flu]
“General Motors has the highest auto loan delinquency rate in the industry due to its increasing reliance on subprime customers, a fact some experts fear could lead to a bubble like the one that wrecked the housing market in 2007 and produced the Great Recession of 2008.At the same time, however, JD Power, one of the auto industry’s most respected forecasters, sees 2013 sales headed to 15.3 million units, the highest level in years.
[/quote]http://www.autoblog.com/2012/08/28/auto-loan-delinquency-rates-at-historic-lows/
“One indicator of the status of our economy is the rate at which car owners are able to make payments, or rather, aren’t. The rate at which owners can’t get the check in the mail for their new car is called the delinquency rate, and according to a Los Angeles Times report, it has fallen to an all-time low.”
“Credit report entity TransUnion began tracking this data in 1999, which it calculates as the percentage of borrowers 60 or more days past due. Currently that rate was recorded at 0.33% for the second quarter of 2012 – down from 0.36% in the first quarter and a full 25% lower than last year.”
“We are at such a low delinquency level” said Peter Tureck, automotive vice president for TransUnion’s financial services business wing, “that a slight rise through the end of the year should be expected, though the overall rate will remain relatively low.”
[quote=flu]
While both Chrysler and GM use Ally Financial for their prime loans (which are issued to qualified buyers), GM has its own seperate sub-prime arm, known as GM Financial. In Q1 2012, some 93 percent of GM Financial’s loans were to sub-prime buyers, up from 87 percent in Q4 2010. During that same period, loans to the least qualified buyers – those with FICO scores under 540, were up 79 percent. GM Financial’s delinquent loans also rose by some $200 million in 2012, to $933 million – higher than Ford Toyota and Honda’s combined delinquencies.[/quote]Spin, spin, spin!…they took GM’s *subprime* arm and compared it to Ford, Toyota, and Honda’s *overall* rate. Real fair reporting!
In actuality, Toyota’s Scion brand had a lower typical FICO score than GM’s Chevrolet (GM’s lowest number):
694 Mitsubishi
704 Suzuki
718 Dodge
721 Kia
723 Scion
726 Nissan
737 Chevrolet
737 Chrysler
737 RAM
741 Fiathttp://www.bankrate.com/financing/cars/car-loans-leases-getting-easier/
Look, I’ve shown you that delinquency rates were at an all-time low last year. Of course they are going to go up a bit!
svelteParticipant[quote=flu]
Hey, what do you expect? A lot of car companies like GM/Chrysler are doing this very game right now..Offering 84-96+ new car loans and getting back into the subprime lending business full throttle How else do you think they are padding their sales numbers?
[/quote]December 2012 stats.
Average credit score on new car purchases by make.Of bottom 10: 4 Japanese, 4 American, 1 Korean, 1 Italian.
Lowest
694 Mitsubishi
704 Suzuki
718 Dodge
721 Kia
723 Scion
726 Nissan
737 Chevrolet
737 Chrysler
737 RAM
741 Fiat[Midrange 742 to 800 Buick, BMW, Cadillac, Ford, Jeep, Mazda, Mini, Toyota, Subaru, VW]
Highest
801 Lincoln
802 Mercedes
802 Land Rover
810 Porsche
810 Jaguar
810 Infiniti
810 Audi
813 Acura
816 Lexus
818 VolvoBy the way
550-619 = subprime
620-679 = nonprime
680-739 = prime
740+ = superprime723 = Median credit score for a person in the US in general
November 5, 2013 at 7:45 AM in reply to: OT: Temecula Police “DUI” Checkpoint @ 8AM on a Wed Morning!!! #767585svelteParticipantMy wife and I happened to be wine tasting in Temecula Valley last weekend, and I mentioned the article and the Wed morning DUI checkpoint.
I proposed a couple of theories why, but I think she came up with an even better one: they are funded to hold checkpoints, the police want the hours/funds, and the wineries don’t want the checkpoints held during their peak periods. What to do to keep everyone happy?
Hold them at a time when it won’t affect the wineries…
svelteParticipantPhotos were snapped in north county, but I suspect they weren’t taken close to where she lives.
Therefore, she could probably be found anywhere in the county.
svelteParticipantIt’s probably wise for me to not say any more until the dust settles. Once the whole story is complete and finished, I can share.
I would expect to see her driving around neighborhoods in a random manner.
svelteParticipant[quote=bearishgurl]
Uhhh, kev?? In CA, you have to be married for ten years to be eligible for any alimony at all. [/quote]Uhhh, wtf? Absolutely not true!
svelteParticipant[quote=paramount]BTW, I don’t think it really matters. It will be 100 years at the earliest before there are any consequences – if ever.
[/quote]It’s been going on a long time – I think you’re right.
[img_assist|nid=17686|title=US Debt 1960 – 2012 by percent increase|desc=|link=node|align=left|width=500|height=340]
svelteParticipant[quote=FlyerInHi]There is no unraveling of America.
Some people talk about hard work, but they themselves are entitled. They expect their world not to change so they can coast along.
The world is moving faster today. There is world-wide competition so people feel less secure. Demographics are changing.
[/quote]I think some people on here need to start reading old newspapers. From the late 1800s, early 1900s.
You know what you’ll find? Just as much of them was devoted to bad news, people doing idiot things, murders, riots, mayhem as today’s papers.
I know, I read them doing genealogy work here and there.
You’ll know what else you’ll find? There was a hatred of immigrants back then too. Only they were EUROPEAN immigrants. The Irish, the Italians, the Polish. All new influxes of people irritate the natives.
All of us tend to have rosy pictures of when we were younger…we forget the bad and remember the good. That’s probably a good thing, but it warps our perspective of how things have changed.
Chill people….the world’s gonna survive.
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