A Message For The "Occupy Wall Street" Lazy Bitches
- Thread starter hellblazer
- Start date
A. The U.S. median price, according to the National Association of Realtors (NAR), dropped to $158,700 for a single family house. Your Census link was for "New Construction" not for all homes.
B. FHA will. 3.5% down. so it will be $5,600 roughly
C. FHA requires 2 year work history. Most lenders also count the time spent in college if it is/was directly related to the career chosen. Wells currently has a 30 year fixed rate FHA at 4%. Payment would be $757.66. Taxes & Insurance - an extra $200 making housing expense $957. Giving a DTI of 37% not the best but not the worst either - but historically a DTI that can be approved with FHA.
D. Loans are approved on pre-tax - so we will use your $2580 number. But post-tax presumptions on take home are difficult. This person is going to have an increased take home pay with his itemized deduction of the interest rate and his dependent wife. He will likely not pay any taxes and possibly qualify for the EITC.
E. At 22 his health insurance needs are minimal. Most employers do offer some type of plan and he should take the maximum deductible for catastrophic coverage only.
The equation does work.
Oh you are talking about pay, well pay and rewards are different to me. Pay is the standard you set when someone starts a job. Reward would be above and beyond pay as an incentive for them to continue working. Such as lowering the taxes they pay on their investment income, or loaning them money and later forgiving that debt, or give the company tax incentives to grow overseas markets, or underwrite oil companies exploration for oil that they sell to us. Rewarding them to keep making the shit ton of money they are already making in their pay/profit.
Just as an aside people LOVE to drop that term Socialist like it was a the most god awful thing. Our whole public school system is a socialist system, and go ahead and beat it up it still kicks ass compared to the rest of the world. Some things work better when we as a collective when all participate.
I like the false dichotomies being presented: either you're for a completely unfettered free market or you're for everyone getting paid exactly the same; either you're for total negative-rights individual liberty or you're for everyone being forced to be exactly equal to the lowest common denominator. 
It speaks to a mentality that views the world as devoid of shades of gray. It's difficult to fathom how seemingly intelligent, successful people - like the bank CEO in the video a few posts up - make such ridiculous arguments.
It speaks to a mentality that views the world as devoid of shades of gray. It's difficult to fathom how seemingly intelligent, successful people - like the bank CEO in the video a few posts up - make such ridiculous arguments.
posted by cheshire:
Reminds me of this great quote:
"In every generation there are those who want to rule well -- but they mean to rule. They promise to be good masters -- but they mean to be masters."
--Daniel Webster
And for anyone thinking about wasting a day standing on a sidewalk arguing with cops, or whatever these idiots are doing:
"Resolve to serve no more, and you are at once freed. I do not ask that you place hands upon the tyrant to topple him over, but simply that you support him no longer; then you will behold him, like a great Colossus whose pedestal has been pulled away, fall of his own weight and break into pieces."
-- Etienne de la Boetie
There are only two winning moves in politics: be in charge, or walk away. All other positions are losers.
Reminds me of this great quote:
"In every generation there are those who want to rule well -- but they mean to rule. They promise to be good masters -- but they mean to be masters."
--Daniel Webster
And for anyone thinking about wasting a day standing on a sidewalk arguing with cops, or whatever these idiots are doing:
"Resolve to serve no more, and you are at once freed. I do not ask that you place hands upon the tyrant to topple him over, but simply that you support him no longer; then you will behold him, like a great Colossus whose pedestal has been pulled away, fall of his own weight and break into pieces."
-- Etienne de la Boetie
There are only two winning moves in politics: be in charge, or walk away. All other positions are losers.
these people are not lazy, they are dangerous. yes, they do rile up plenty of useful idiots, but people like this woman in the video are misguided, ambitious, determined people. they work for forces with very deep pockets that want to see serfdom in the US and have wanted this since 1776.
keep in mind that if a libertarian or Ron Paul type gets on camera and makes a reasoned argument against the Federal Reserve System, thats not going to make the rounds on YouTube. if someone posts that its inb4 "cool story bro".
the End The Fed libertarians should differentiate themselves somehow. And I have seen many Gadsen flags and I love capitalism signs. "Capitalism is not the problem" etc. But the media has NO INTEREST in showing you these people. If they can conflate their message with leftist loons, GREAT.
keep in mind that if a libertarian or Ron Paul type gets on camera and makes a reasoned argument against the Federal Reserve System, thats not going to make the rounds on YouTube. if someone posts that its inb4 "cool story bro".
the End The Fed libertarians should differentiate themselves somehow. And I have seen many Gadsen flags and I love capitalism signs. "Capitalism is not the problem" etc. But the media has NO INTEREST in showing you these people. If they can conflate their message with leftist loons, GREAT.
I like the false dichotomies being presented: either you're for a completely unfettered free market or you're for everyone getting paid exactly the same; either you're for total negative-rights individual liberty or you're for everyone being forced to be exactly equal to the lowest common denominator.
It speaks to a mentality that views the world as devoid of shades of gray. It's difficult to fathom how seemingly intelligent, successful people - like the bank CEO in the video a few posts up - make such ridiculous arguments.
It's the easiest method of control, because it taps into primitive emotions; the need to belong (love). Everyone outside it is dangerous (fear and hate). The need for a leader, a plan, and for everything to make sense (surrender). You'll notice that even countercultural people still NEED to surrender and believe there is an organized conspiracy running everything. A conspiracy with a plan, and a leader, and members to fear and hate.
I think what's happening is, people notice that the implied promises have been broken and aren't coming back soon. From birth to university, you're taught to repeat what the teacher said, trust the textbooks, show up on time, stand in lines, work for 45 years of the only life you'll ever live (not counting the 15/365 days every year of free time). In exchange for your limbs and mind, life and devotion, you get a middle class life and later a small steady pay for the remaining 10-15 years.
They don't teach banking, credit cards, how to choose a partner, avoid dem hoes, be a good friend, the importance of character, courage and self-discipline in school or university. There's no course on adaptability or having multiple skills. It's generally discouraged in favor of focus, and streaming, and labelling a person as a specific type.
People are just realizing now that they've been conditioned to play by the rules until it's an unconscious habit.... but the deal's been broken and most have nothing to fall back on.
They don't teach banking, credit cards, how to choose a partner, avoid dem hoes, be a good friend, the importance of character, courage and self-discipline in school or university. There's no course on adaptability or having multiple skills. It's generally discouraged in favor of focus, and streaming, and labelling a person as a specific type.
People are just realizing now that they've been conditioned to play by the rules until it's an unconscious habit.... but the deal's been broken and most have nothing to fall back on.
Those things aren't taught because they don't need to be taught, a person with common sense should take these things into account when they make decisions. You don't need someone telling you how to do everything, self-education is the most potent kind and no one seems to practice it.
Get a bitTorrent client, it's all the college anyone could ever need.
The protesters lost their sense of direction and derailed a potentially important movement into a rabble of indebted folks begging for bailouts. Bailouts aren't the answer, a revision of the laws and rules that enable those in power to abuse it to further their own goals at the expense of the taxpayer is what's needed, but that's not what the loudest people are saying.
@pfgannon:
In case you are unfamiliar with it, that's from "A Discourse on Voluntary Servitude," a 450+ year old legal essay that is definitely worth reading in its entirety (see here) Another quotable moment:
"Where has [the king] acquired enough eyes to spy upon you, if you do not provide them yourselves? How can he have so many arms to beat you with, if he does not borrow them from you? The feet that trample down your cities, where does he get them if they are not your own? How does he have any power over you except through you? How would he dare assail you if he had no cooperation from you?"
Certainly worth considering, especially in the context of these fools out in the streets of New York (and now Kansas City for some reason) demanding change in the same way a toddler demands a bottle.
Frank
In case you are unfamiliar with it, that's from "A Discourse on Voluntary Servitude," a 450+ year old legal essay that is definitely worth reading in its entirety (see here) Another quotable moment:
"Where has [the king] acquired enough eyes to spy upon you, if you do not provide them yourselves? How can he have so many arms to beat you with, if he does not borrow them from you? The feet that trample down your cities, where does he get them if they are not your own? How does he have any power over you except through you? How would he dare assail you if he had no cooperation from you?"
Certainly worth considering, especially in the context of these fools out in the streets of New York (and now Kansas City for some reason) demanding change in the same way a toddler demands a bottle.
Frank
Many people are not computer-oriented, introverted enough or urbanized enough to seek this out and thrive. They don't have the personality for it.
It's generally unlikely that effective reform laws will be passed; it will affect the lawmakers too. Remember that congressmen, senators etc are not poor or middle class.... they are part of the 1%.
And it still covers up the fundamental truth; there's no new industry on the horizon that will employ a large number of people. Sweethearts Apple + Google + Facebook + LinkedIn employ less than 120K people worldwide. Looking forward I estimate that in 20 years SEO and PPC will be irrelevant. Google/Watson will aggregate and return a single best answer to your question on any topic.
I wonder what society will be like when we've automated most things away. You don't need 10 janitors anymore, just 2 guys with vacuums. Or 30 chefs and sous-chefs when you've got choppers, blenders and mixers. There haven't been any new mass-employment discoveries in decades, little investment in basic science research, and manned space exploration is dead. I haven't heard anyone discuss these kind of futures.
You have some excellent points, but some of the problems you have brought up simply can't be solved without a very radical shift in government and the society's way of thinking, which is a near-impossible thing to do in today's climate- like you said, people do what they are told blindly and don't learn to think for themselves. The only difference between us is that I say it's the peoples fault, the power of the corrupt members of the 1% is derived solely from their unwavering obedience. Protest is a good thing when the people doing it make sense.
That's exactly why I've become so bitter towards OWS, a great many of the protesters aren't thinking clearly and getting greedy themselves, which will only exacerbate the big issues. How can you protest the %1 wasting tax-payer money and then demand that same money in their pockets so they can waste it themselves? That certainly won't fix the issues that are plaguing our country, it's just money changing hands again.
I want a real protest.
I partially blame the people for being sheep, I partially blame the corporations for being greedy, but I lay most of the blame on the government. They set up an environment that makes it damn hard for people to think for themselves, and they write the legislation (in cooperation with the banks) that makes it possible to essentially steal money out of the pockets of the productive class.
A shift in thinking, I believe, is the most essential piece of the puzzle. Unfortunately, it's also the most difficult. A radical shift in government is the only thing that will stop these atrocities from happening in the future, but why the fuck would politicians and megacorps ever allow that to happen? They won't. It would require a genuine revolution/rebellion. And without educating the masses, we'll eventually be right back where we started, or worse.
It is a dismaying turn of events, but not altogether unexpected given the rampant emotionalism and ignorance in the mob.
A fitting quote from Rockwell:
