On 23/04/2011 8:09 PM, Lil Abner wrote:
On 4/23/2011 1:54 PM, Canuck57 wrote:
On 23/04/2011 9:19 AM, Lil Abner wrote:
On 4/23/2011 7:56 AM, Wayne B wrote:
Or how to get the retirement you always wanted, or just about anything
else. As this excellent article points out, it is all about
attitude.

http://moneyning.com/frugality/7-hab...frugal-people/
coin change a
A quick quote from the beginning:

=====
The book 7 Habits of Highly Effective People has sold over 15 million
copies since it was first published in 1989, teaching people all over
the world how to live a happier, more successful and more satisfying
life. One of the prevailing themes of the book is the fact that to
change your life you need to change your attitude because no one else
is responsible for what happens to you but you, so you can either
complain about the things you don’t like in your life or you can set
about changing them.
=====
This is small stuff but;
My son paid for his vacation by putting his change including dollar
bills in a large mason jar.
he had over 400.00 in coin change.
Every time we get an solicitation for a magazine, or whatever: every
time we get a refund, or small check, and on Monday whatever we have
left in the wallet except 20.00 is put into a savings account. I just
started the last bit.
In four years it is over 7,000.00. Doesn't earn much interest. I and
everybody else loses what wasn't spent thanks to Wall
Street/Fed/Washington but at least that amount is there if we gotta
use it.
Whats our dollar worth now three cents?
Mad as hell. Looks like Bilderbergs are fulfilling their goals. Gotta
find my cave and meadow. Which taste better fescue or blue grass?

Funny, I put $10K in a TFSA (Canadian version of a ROTH) just 2 1/2
years ago now, sitting at $23K.

Money is attracted to people who know how to manage it. Got this from my
grandfather. Wise words.

Think of money as a depreciating stock and the entire US government debt
dilutes that stock every day. Would you buy a stock like that when you
could own precious metals or oil that retains value?

How much would a company be worth if they created 20% new no value stock
every year?

Well, it is that simple as to what is happening to the USD value. DC
prints it faster than toilet paper, it will eventually become diluted
enough to be toilet paper.

You didn't think that 0% interest rate Federal debt was fee did you?

I don't know where you are going with this. Apples and oranges.
Our Retirement before devaluation has averaged about 18%. We're not
goint to be wealthy but if what Wall Street/Washington has/is doing
doesn't crash the economy we will be able to eat. Speaking of which some
nice lawns are going into kitchen gardens aronud here, this year.

It is your own government that not only lets it happen, they partake in
it!!!!

Hey, if I put $1000 into SS...it generates say 1% interest in a 3%
inflationary environment...the value of the money falls 2% every year.
Add that up with something the size of SS well....it is big.

If the US government just bought gold or oil and sat on it since SS was
created, the ROI would have been better.

So when big pensions do it, well, government can't really call it a scam
really can they?

That is why I say, "In your account, in your name, in your control" is
the only way to go for pension planning. Stops the skimming and
screwing. But that is the price for government knows best.
--
I can assure you that the road to prosperity is not paved with
fleabagger debt.

On 24/04/2011 12:22 PM, wrote:
On Sun, 24 Apr 2011 09:01:18 -0600,
wrote:

Hey, if I put $1000 into SS...it generates say 1% interest in a 3%
inflationary environment...the value of the money falls 2% every year.
Add that up with something the size of SS well....it is big.

SS is a great bargain for anyone who lives long enough to collect for
more than 8-10 years, even at the age 62 rate.
Unfortunately that is why it is going broke.
I paid in about $100k (both sides) and I will use that up before I am
68, starting at age 63.5.

Yes, but did they pay interest on the moneys you contributed decades ago?

I am supposed to live another 12 years after that.

Now give government health care and watch them ration seniors so they
can die earlier.

Medicare is even a bigger hit for the government.
I paid in less than $25,000 (both sides) and statistically I am
supposed to spend about $250k before I die (the average Medicare cost
per patient)

Again, make that calculation with interest.

But agree on your points in that work for 10 years to get the points
then no contribute gets you a full load of benefits.

Some day if I get that bored, I will work up a spread sheet of my FICA
taxes vs the expected pay out to see what the effective interest rate
really is. The problem is not really that you are not getting enough
return on your money, it is that the money was really never invested
in anything that gained value. The government ****ed it away on stupid
wars, pork and bailouts.

Yep. That is what really happened. If you put in $500 say 3 decades
ago, got a fair 5% annual average return, today that is $2161.

By borrowing at effectively 0% interest rate in a 3%+ inflation
environment, the exact opposite happens. The savings depreciate. So in
fact, government is deliberately depreciating pensions.

Add in they are making it worse with ponzi fiat no-value money creation
for debt-fraud, well, that just makes it worse.

Yep, government borrowed it at near zero rates and will maybe, if you
believe them, pay it back with lower value future dollars.

A real scam in reality. Shafting the average worker with what is really
an employment tax.

Best way to ix it is have all SS (CPP in Canada) go to a non-refundable
IRA type deal for both the employee and employers part. Did you include
your employers part in your calculations?

After say 40 years of working, all the employee and employer SS/CPP
parts in a private fund at a modest 5% would likely fund a pension much
larger than your getting now.

--
I can assure you that the road to prosperity is not paved with
fleabagger debt.

On 23/04/2011 5:56 AM, Wayne B wrote:
Or how to get the retirement you always wanted, or just about anything
else. As this excellent article points out, it is all about
attitude.

http://moneyning.com/frugality/7-hab...frugal-people/

A quick quote from the beginning:

=====
The book 7 Habits of Highly Effective People has sold over 15 million
copies since it was first published in 1989, teaching people all over
the world how to live a happier, more successful and more satisfying
life. One of the prevailing themes of the book is the fact that to
change your life you need to change your attitude because no one else
is responsible for what happens to you but you, so you can either
complain about the things you don’t like in your life or you can set
about changing them.
=====

I am a big fan of The 7 Habits of Highly Effective People. Read the
book and did the course in about 1993. I found it very beneficial. I
have even pulled the book out for a periodic re-read.

But a warning, fleabaggers might not like it because it means organizing
their thoughts and life plans. And they fear being successful when it
is easier to whine a lot and ask government to steal and ponzi fraud
debt for them.

--
I can assure you that the road to prosperity is not paved with
fleabagger debt.

In article ,
says...

Or how to get the retirement you always wanted, or just about anything
else. As this excellent article points out, it is all about
attitude.

http://moneyning.com/frugality/7-hab...frugal-people/

A quick quote from the beginning:

=====
The book 7 Habits of Highly Effective People has sold over 15 million
copies since it was first published in 1989, teaching people all over
the world how to live a happier, more successful and more satisfying
life. One of the prevailing themes of the book is the fact that to
change your life you need to change your attitude because no one else
is responsible for what happens to you but you, so you can either
complain about the things you don?t like in your life or you can set
about changing them.
=====

It's easy to have a good attitude if you participated on the plus side
of the biggest financial rape of the American people since the days of
the Oil Barons. You can believe you did "did it on my own."
If you're 50 years and can't find a job, a good attitude might keep your
wife from divorcing you.
Nothing wrong with these self-help books if you have an "attitude
problem" and can change that.
But when a smart guy sees the boss reading 7 Habits on company time he
knows the boss's superior gave it to him to read in preparation for
laying off some people. The boss might not even know that yet.
But his superior did. Habit 2 - Begin With the End in Mind.
The sales of these books was mostly to corporate execs, who passed them
out to staff.
The bottom line - if you fail, you didn't follow "The Book."
Doesn't matter whether you followed its precepts or not.
According to the book, you failed.
Much like a Holy Bible, Torah or Koran for "corporatists," but without
the humanistic parts.
Another such "corporatist" book is "Who Moved My Cheese?"
When that one gets passed out to employees, it means "Watch your ass
closely, because we are fixing to bugger whoever we can."
And if you do all you possibly can to avoid that, but still get
buggered, it's because you're not good enough.
So reread Cheese, and get a copy of 7 Habits.
You're just doing something wrong. The Books so say.

On Sat, 23 Apr 2011 17:34:43 -0500, Boating All Out
wrote:

In article ,
says...

Or how to get the retirement you always wanted, or just about anything
else. As this excellent article points out, it is all about
attitude.

http://moneyning.com/frugality/7-hab...frugal-people/

A quick quote from the beginning:

=====
The book 7 Habits of Highly Effective People has sold over 15 million
copies since it was first published in 1989, teaching people all over
the world how to live a happier, more successful and more satisfying
life. One of the prevailing themes of the book is the fact that to
change your life you need to change your attitude because no one else
is responsible for what happens to you but you, so you can either
complain about the things you don?t like in your life or you can set
about changing them.
=====

It's easy to have a good attitude if you participated on the plus side
of the biggest financial rape of the American people since the days of
the Oil Barons. You can believe you did "did it on my own."
If you're 50 years and can't find a job, a good attitude might keep your
wife from divorcing you.
Nothing wrong with these self-help books if you have an "attitude
problem" and can change that.
But when a smart guy sees the boss reading 7 Habits on company time he
knows the boss's superior gave it to him to read in preparation for
laying off some people. The boss might not even know that yet.
But his superior did. Habit 2 - Begin With the End in Mind.
The sales of these books was mostly to corporate execs, who passed them
out to staff.
The bottom line - if you fail, you didn't follow "The Book."
Doesn't matter whether you followed its precepts or not.
According to the book, you failed.
Much like a Holy Bible, Torah or Koran for "corporatists," but without
the humanistic parts.
Another such "corporatist" book is "Who Moved My Cheese?"
When that one gets passed out to employees, it means "Watch your ass
closely, because we are fixing to bugger whoever we can."
And if you do all you possibly can to avoid that, but still get
buggered, it's because you're not good enough.
So reread Cheese, and get a copy of 7 Habits.
You're just doing something wrong. The Books so say.


Yet another loser sock puppet from "eternal-september.org", the "free"
news server.

When the going gets tough, the tough get going.

Wayne B wrote:
On Sat, 23 Apr 2011 17:34:43 -0500, Boating All Out
wrote:

In ,
says...
Or how to get the retirement you always wanted, or just about anything
else. As this excellent article points out, it is all about
attitude.

http://moneyning.com/frugality/7-hab...frugal-people/

A quick quote from the beginning:

=====
The book 7 Habits of Highly Effective People has sold over 15 million
copies since it was first published in 1989, teaching people all over
the world how to live a happier, more successful and more satisfying
life. One of the prevailing themes of the book is the fact that to
change your life you need to change your attitude because no one else
is responsible for what happens to you but you, so you can either
complain about the things you don?t like in your life or you can set
about changing them.
=====
It's easy to have a good attitude if you participated on the plus side
of the biggest financial rape of the American people since the days of
the Oil Barons. You can believe you did "did it on my own."
If you're 50 years and can't find a job, a good attitude might keep your
wife from divorcing you.
Nothing wrong with these self-help books if you have an "attitude
problem" and can change that.
But when a smart guy sees the boss reading 7 Habits on company time he
knows the boss's superior gave it to him to read in preparation for
laying off some people. The boss might not even know that yet.
But his superior did. Habit 2 - Begin With the End in Mind.
The sales of these books was mostly to corporate execs, who passed them
out to staff.
The bottom line - if you fail, you didn't follow "The Book."
Doesn't matter whether you followed its precepts or not.
According to the book, you failed.
Much like a Holy Bible, Torah or Koran for "corporatists," but without
the humanistic parts.
Another such "corporatist" book is "Who Moved My Cheese?"
When that one gets passed out to employees, it means "Watch your ass
closely, because we are fixing to bugger whoever we can."
And if you do all you possibly can to avoid that, but still get
buggered, it's because you're not good enough.
So reread Cheese, and get a copy of 7 Habits.
You're just doing something wrong. The Books so say.


Yet another loser sock puppet from "eternal-september.org", the "free"
news server.

When the going gets tough, the tough get going.

There are a lot of good people in this country who don't buy into your
corporationist uber alles philosophy.

On Sat, 23 Apr 2011 21:58:47 -0400, Harryk
wrote:

There are a lot of good people in this country who don't buy into your
corporationist uber alles philosophy.

They should move elsewhere. This country was founded on the
principles of free enterprise and minimal government and it has
served well. Those who look to government for all of their needs are
losers and on the wrong road.

On 4/23/2011 10:20 PM, Wayne B wrote:
On Sat, 23 Apr 2011 21:58:47 -0400,
wrote:

There are a lot of good people in this country who don't buy into your
corporationist uber alles philosophy.

They should move elsewhere. This country was founded on the
principles of free enterprise and minimal government and it has
served well. Those who look to government for all of their needs are
losers and on the wrong road.

Did you think?
Free Enterprise?? Is that really at work here?
It is Supplier Side Economics/Government.
A partnership of government and businness.
It is predatory and Global in scope.
American and American Business, that's left are being raped and plundered.
The dollar and the economy is Americans' fault or Wall Street/Washington?
Are you in favor of deconstructing Middle America?
Fine if you ar of the 1/10 of 1% and your loyalties are not to our
Republic, Americans and our future.
Do you favor their flooding America with illegal Aliens?
you have a few spare bedrooms and like to pay extra taxes and higher
prices to support overcrowding and more people, for fewer resources and
other increase social cost; crime?

Wayne B wrote:
On Sat, 23 Apr 2011 21:58:47 -0400,
wrote:

There are a lot of good people in this country who don't buy into your
corporationist uber alles philosophy.

They should move elsewhere. This country was founded on the
principles of free enterprise and minimal government and it has
served well. Those who look to government for all of their needs are
losers and on the wrong road.


snerk

Wayne thinks he's in charge...

In the absence of a social compact, which Ronald Reagan began tearing
down, free enterprise is for nought. No strong middle class, no country
worth the trouble.

On 23/04/2011 8:20 PM, Wayne B wrote:
On Sat, 23 Apr 2011 21:58:47 -0400,
wrote:

There are a lot of good people in this country who don't buy into your
corporationist uber alles philosophy.

They should move elsewhere. This country was founded on the
principles of free enterprise and minimal government and it has
served well. Those who look to government for all of their needs are
losers and on the wrong road.

One thing is constant throughout human history, the bigger the
government gets, the less the people get.

--
I can assure you that the road to prosperity is not paved with
fleabagger debt.