We Have No Bananas Today

[merh]

Nov 8, 2021 5:11:43 GMT abbey1227 said:

Nov 8, 2021 5:04:25 GMT merh said:

Found you!

I'm not sure why that's so confusing?

Capitalists support making money and lowering your tax burden as much as possible.

But supporting various forms of welfare? You figure that's high on their list of priorities?

Found this for you:

Proverbs 3:9: Honor the Lord with your wealth and with the best part of everything you produce. Genesis 26:12-14: Isaac planted crops in that land and the same year reaped a hundredfold, because the Lord blessed him. The man became rich, and his wealth continued to grow until he became very wealthy.

Ever notice how the truly wealthy can often afford to fund all sorts of charitable causes?

I know I'd rather give directly to things I believe in rather than trusting the Govt to spend that money.

Old Testament.

Christ replaced whatever they want to promote out of that book.

You found a section on tithing which fed the priests so of course they wanted you to give up the best.

And the whole prosperity concept that has been exploited by the likes of Creflo Dollar. 

[merh]

Nov 8, 2021 5:29:16 GMT abbey1227 said:

Nov 8, 2021 5:13:29 GMT merh said:

Just an FYI: My grandparents had 16 kids living in a small cape cod style 2 story home. My current home is probably at least twice the size of that home.

The entire back yard was a garden that the kids were expected to harvest from.

Clothing consisted mostly of hand-me-downs.

And they struggled greatly........ and that was before my Grandpa died relatively young......leaving his wife alone to raise their children.

Story mom tells is her father was 5 when she died (so around 1937) working for the railroad so she placed the $5 death payment down on a home in Florida & paid $5/month for the home using the monthly payment to the kids.

[merh]

Nov 8, 2021 5:11:43 GMT abbey1227 said:

Nov 8, 2021 5:04:25 GMT merh said:

Found you!

I'm not sure why that's so confusing?

Capitalists support making money and lowering your tax burden as much as possible.

But supporting various forms of welfare? You figure that's high on their list of priorities?

Found this for you:

Proverbs 3:9: Honor the Lord with your wealth and with the best part of everything you produce. Genesis 26:12-14: Isaac planted crops in that land and the same year reaped a hundredfold, because the Lord blessed him. The man became rich, and his wealth continued to grow until he became very wealthy.

Ever notice how the truly wealthy can often afford to fund all sorts of charitable causes?

I know I'd rather give directly to things I believe in rather than trusting the Govt to spend that money.

[abbey1227]

Nov 8, 2021 12:04:18 GMT merh said:

Nov 8, 2021 5:11:43 GMT abbey1227 said:

I'm not sure why that's so confusing?

Capitalists support making money and lowering your tax burden as much as possible.

But supporting various forms of welfare? You figure that's high on their list of priorities?

Found this for you:

Proverbs 3:9: Honor the Lord with your wealth and with the best part of everything you produce. Genesis 26:12-14: Isaac planted crops in that land and the same year reaped a hundredfold, because the Lord blessed him. The man became rich, and his wealth continued to grow until he became very wealthy.

Ever notice how the truly wealthy can often afford to fund all sorts of charitable causes?

I know I'd rather give directly to things I believe in rather than trusting the Govt to spend that money.

well, THAT sure showed them  

She's not too skilled a liar, though

[merh]

Credit scores are a scam…

Yes! Imagine a system where practically everything money-based (home, job, car, bank account, even some rewards programs) is credit-based. Now imagine that this credit system is not regulated, nor is it run by the government, but in fact by private companies. These companies don’t give out how they calculate your credit, and each one is wildly different, so you have no real way to master it. Now imagine that one of the three largest companies that stores alllll your personal information was accessed and over 147 MILLION PEOPLE had their information leaked, and their only punishment was a $425m fine. They’re still allowed to do business as usual. Also imagine that owning a home impacts your credit but renting does not, so homeowners can pay up to 15 days after the due date without consequences to the score but on-time rent-payers don’t get the benefits of doing so, but also have the threat of eviction hanging over their head if they’re late, and pay stupid penalties for being two days late. Also imagine that to get those on-time-rent-paying benefits, you may have the option to pay for the reflection in your credit. Now imagine that these companies allow you to pay to increase it, pay to have your monthly non-credit-based payments (like Netflix, etc), and other things boost your credit (for clarity: I do remember seeing the commercials for this. I do not remember the details).

There’s a whole lot more, but the credit-based system, which I do believe started with the right intentions, has turned into or was originally created (I don’t care to research the difference) a very fucked up thing that only further creates a divide between the “haves” and “have-nots”. Employers literally have the right to check our credit and not give us a job because we owe too much money to companies. We need money to pay that debt but they’ll hold it against us for owing money in the first place.

The whole credit system is absolutely ridiculous and fucked. And this is coming from someone who worked at one of the big three US banks for almost a decade.

It is really isn't fair they run a credit check for renters, but the history of paying rent in time doesn't count.

Now I see that stupid boost thing will count your Netflix payments? 

Why not rent & utilities?

[abbey1227]

Nov 12, 2021 6:20:29 GMT merh said:

Credit scores are a scam…


The whole credit system is absolutely ridiculous and fucked. And this is coming from someone who worked at one of the big three US banks for almost a decade.

It is really isn't fair they run a credit check for renters, but the history of paying rent in time doesn't count.

Now I see that stupid boost thing will count your Netflix payments? 

Why not rent & utilities?

I agree with you there. If you've been paying Rent for years, never missed a payment..........then you should easily qualify for a mortgage of that same amount or less, imo.

Boost? Izzat the newest thing where people increase their credit scores somehow?

Now my questions for you........ what about all these people that claim to just wanna be renters their entire lives?

or if rent is more affordable than ownership, (as a few articles have claimed lately) then why isn't their a growing balance to be used as a downpayment?

Last thing..........if we somehow recently resulted in America having more renters than owners with the lowest mortgage rates in history........how the heck are they gonna afford it at all once Biden & Co get thru driving Inflation thru the roof.......again? I'm old enough to remember Jimmy Carter's era and the rates back then.

[merh]

[merh]

Nov 12, 2021 14:18:28 GMT abbey1227 said:

Nov 12, 2021 6:20:29 GMT merh said:

It is really isn't fair they run a credit check for renters, but the history of paying rent in time doesn't count.

Now I see that stupid boost thing will count your Netflix payments? 

Why not rent & utilities?

I agree with you there. If you've been paying Rent for years, never missed a payment..........then you should easily qualify for a mortgage of that same amount or less, imo.

Boost? Izzat the newest thing where people increase their credit scores somehow?

Now my questions for you........ what about all these people that claim to just wanna be renters their entire lives?

or if rent is more affordable than ownership, (as a few articles have claimed lately) then why isn't their a growing balance to be used as a downpayment?

Last thing..........if we somehow recently resulted in America having more renters than owners with the lowest mortgage rates in history........how the heck are they gonna afford it at all once Biden & Co get thru driving Inflation thru the roof.......again? I'm old enough to remember Jimmy Carter's era and the rates back then.

Experian Boost.
Isn't it John Cena?
And weren't they the ones who had all of our credit info leaked?

1990 interest by month
5.202%
5.263%
5.233%
4.712%
4.362%
4.674%
4.823%
5.618%
6.160%
6.290%
6.275%
6.106%
5.398%-year average

So October was close-6.290%

1982
8.391%
7.622%
6.780%
6.510%
6.682%
7.064%
6.441%
5.850%
5.043%
5.139%
4.589%
3.830%
6.131%-year average 

1981
11.825%
11.407%
10.487%
10.000%
9.780%
9.553%
10.762%
10.804%
10.952%
10.142%
9.591%
8.922%
10.335%-year average

1980
13.909%
14.182%
14.756%
14.731%
14.406%
14.385%
13.133%
12.873%
12.601%
12.766%
12.648%
12.516%
13.549%-year average

1979
9.280%
9.857%
10.095%
10.485%
10.853%
10.890%
11.263%
11.818%
12.180%
12.072%
12.611%
13.294%
11.254%-year average

1978
6.838%
6.430%
6.555%
6.500%
6.965%
7.414%
7.705%
7.843%
8.306%
8.929%
8.885%
9.018%
7.631%-year average

1977
5.216%
5.914%
6.440%
6.952%
6.726%
6.866%
6.830%
6.620%
6.597%
6.390%
6.724%
6.701%
6.502%-year Average

1976
6.718%
6.286%
6.072%
6.049%
6.203%
5.970%
5.351%
5.709%
5.495%
5.464%
4.882%
4.865%
5.745%-year Average

1975
11.803%
11.229%
10.251%
10.208%
9.465%
9.388%
9.717%
8.600%
7.905%
7.436%
7.379%
6.936%
9.143%-year average

1974
9.390%
10.023%
10.393%
10.092%
10.706%
10.860%
11.512%
10.865%
11.947%
12.061%
12.200%
12.338%
11.055%-year average

1973
3.650%
3.874%
4.589%
5.060%
5.529%
5.995%
5.728%
7.381%
7.363%
7.801%
8.255%
8.706%
6.178%-year average

1972
3.266%
3.509%
3.500%
3.491%
3.226%
2.709%
2.948%
2.941%
3.186%
3.423%
3.667%
3.406%
3.272%-year average

1971
5.291%
5.000%
4.712%
4.156%
4.404%
4.639%
4.359%
4.615%
4.082%
3.807%
3.283%
3.266%
4.293%-year average 

1970
6.180%
6.145%
5.817%
6.061%
6.044%
6.011%
5.978%
5.405%
5.660%
5.630%
5.600%
5.570%
5.838%-year average

1969
4.399%
4.678%
5.248%
5.523%
5.507%
5.476%
5.444%
5.714%
5.698%
5.666%
5.932%
6.197%
5.462%-year average


www.rateinflation.com/inflation-rate/usa-historical-inflation-rate/

Looks like Ronnie had a couple rough years there.
And tricky Dick.

[abbey1227]

Nov 12, 2021 22:16:31 GMT merh said:

Nov 12, 2021 14:18:28 GMT abbey1227 said:

I agree with you there. If you've been paying Rent for years, never missed a payment..........then you should easily qualify for a mortgage of that same amount or less, imo.

 I'm old enough to remember Jimmy Carter's era and the rates back then.

Experian Boost.
Isn't it John Cena?
And weren't they the ones who had all of our credit info leaked?


Looks like Ronnie had a couple rough years there.
And tricky Dick.

Yep, Cena on that bull.

Gotta love security these days. Our online info is as open as our borders.

Exactly. Sorta my point about these historic lows in interest rates and the rise in renters. If they couldn't take advantage of this..........then they're signing up for a lifetime of higher rents and a loss of control. Like so many voters these days

[merh]

Nov 13, 2021 14:14:59 GMT abbey1227 said:

Nov 12, 2021 22:16:31 GMT merh said:

Experian Boost.
Isn't it John Cena?
And weren't they the ones who had all of our credit info leaked?


Looks like Ronnie had a couple rough years there.
And tricky Dick.

Yep, Cena on that bull.

Gotta love security these days. Our online info is as open as our borders.

Exactly. Sorta my point about these historic lows in interest rates and the rise in renters. If they couldn't take advantage of this..........then they're signing up for a lifetime of higher rents and a loss of control. Like so many voters these days

Kindercare has really been stressing 
His Costco has no TP

Shelves here are full.

Thats why I think they are gaming us 
Kroger profits were up last year & I think they're still trying this year.

It is interesting experian had that huge leak, but look! They have a product to protect you!

[abbey1227]

Nov 13, 2021 20:56:20 GMT merh said:

Kindercare has really been stressing 
His Costco has no TP

Shelves here are full.

Thats why I think they are gaming us 
Kroger profits were up last year & I think they're still trying this year.

It is interesting experian had that huge leak, but look! They have a product to protect you!

OMG, too funny. The poor guy.

When all the smaller and Mom & Pop places have been forced to stay closed? Of course the giants' profits are up.

It's not like the US Govt hasn't had massive failures, as well.    

[merh]

[merh]

[merh]

I probably lean more toward the fisherman, though I could see getting a couple extra in case tomorrow is a bad day.

[merh]

Something else for kinder to worry about

[abbey1227]

Nov 15, 2021 21:40:20 GMT merh said:

I probably lean more toward the fisherman, though I could see getting a couple extra in case tomorrow is a bad day.

While I'm against over fishing......... I tend to lean more towards the Ant and not the Grasshopper

In that story of the fisherman, if he didn't go out for a few weeks or months or years.....what would he eat? Who would provide for him?

[abbey1227]

Nov 15, 2021 21:41:56 GMT merh said:

Something else for kinder to worry about

There's that big RINO argument you're willingly embracing.

THAT's why they're okay with so many Illegals, too

[merh]

Nov 16, 2021 6:04:33 GMT abbey1227 said:

Nov 15, 2021 21:40:20 GMT merh said:

I probably lean more toward the fisherman, though I could see getting a couple extra in case tomorrow is a bad day.

While I'm against over fishing......... I tend to lean more towards the Ant and not the Grasshopper

In that story of the fisherman, if he didn't go out for a few weeks or months or years.....what would he eat? Who would provide for him?

It says he caught enough for the day.

My thought is what if he feels sick tomorrow, or something comes up & he can't go out fishing?

Ralphs has 2ltrs on sale for 99 cents. Back of my head is saying "go back for more" when I picked up 7 which brings my shelf stock to 21 bottles. No. Don't  need more, but my "what if" remains.

[abbey1227]

Nov 16, 2021 6:34:30 GMT merh said:

It says he caught enough for the day.

My thought is what if he feels sick tomorrow, or something comes up & he can't go out fishing?

Ralphs has 2ltrs on sale for 99 cents. Back of my head is saying "go back for more" when I picked up 7 which brings my shelf stock to 21 bottles. No. Don't  need more, but my "what if" remains.

That's it exactly. It's called long term planning. Something millions seem to have issues with.

HA! HA! HA!

I'm the same way.

I finally broke down and agreed to give Festival $10 for a measly 3 12 paks of Pepsi, instead of the older deal of 4/$10. Stocked up on 15 this past week.

[merh]

Nov 16, 2021 6:37:52 GMT abbey1227 said:

Nov 16, 2021 6:34:30 GMT merh said:

It says he caught enough for the day.

My thought is what if he feels sick tomorrow, or something comes up & he can't go out fishing?

Ralphs has 2ltrs on sale for 99 cents. Back of my head is saying "go back for more" when I picked up 7 which brings my shelf stock to 21 bottles. No. Don't  need more, but my "what if" remains.

That's it exactly. It's called long term planning. Something millions seem to have issues with.

HA! HA! HA!

I'm the same way.

I finally broke down and agreed to give Festival $10 for a measly 3 12 paks of Pepsi, instead of the older deal of 4/$10. Stocked up on 15 this past week.

We are in price gouge zone. 
Supply & demand.
Prices will come down eventually, maybe not to where it was, but it's not going to be what it is now.

I see a  lot of "don't shop Black Friday" right now, but I had no intent to shop that day already.