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Net worth is not all cash - it also includes equity and 401K, so it is not as much believe me. Cash is king I think for the next several months, so I have a cpl of years in reserve in the event of a layoff.

I am not sure how I am going to keep at the same saving levels myself. Will have to adjust as time goes by. Recessions also present opportunities - vacation deals, car deals, might buy some rental property - prices are good right now. The economy especially the housing market was way over heated untile the bubble burst.

Now the younger generation like my oldest son can find some real deals and in fact buy a house from someone in financial distress.


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Originally Posted by medc
C'mon, I wouldn't care if Biden got a 4.0 in college...he went tot the University of Delaware! Around these parts...the school is but ten minutes from my home, it is considered nothing but a party school for underachievers that couldn't get into some of the top flight schools in Philadelphia. Heck, my son's mom graduated from there and I know she is far from the brightest bulb in the pack.

While it was quite true in my day (and probably in yours) that UDel was nothing but a party school, it's not anymore. These days it is actually much more competitive. The kids I know that go there are very, very bright with very high gpas.

I know of only one top flight school in Phila. anyway, and it's UPenn. Drexel and Temple are easier to get into these days than UDel.

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Forever,
What happened to ethics in journalism??

Lil - the same thing that happened to our public educational system and the vast majority of colleges and universities.

Liberalism attempting (and quite successfully most of the time) to limit or prohibit anything they don't like.

Succinctly, it's called "Relativism." They don't there ARE any "Right or Wrong" absolutes, morally or ethically, and certainly not "America, right or wrong."

Why do you think the Libs rant and rave about Fox News all the time? Because they no longer get to "slant" the news or even lie to "make their points" like the latest "fair and balanced" interview of Palin on CNN.

Did you happen to catch Joy Behar almost having a stroke and a cow at the same time when Bill O'Rielly "dared" to state that Obama' economic and tax plans ARE Socialist, if not "Marxist" or "Communist." "Daddy State" knows best. "Let the STATE determine who pays and who gets, with the STATE making the determination of "what's fair?" Right and wrong have, once again according to liberal thinking, NOTHING to do with it. We, the STATE "owe" you the right to take you neighbor's "extra" television and give it to you because you "need one." We can take your neighbor's car and give it to you, because you don't have one or yours is "too old."

It makes you want to PUKE.

Can't wear any clothing that supports conservatives and don't you DARE wear anything that suggests God exists or that Christianity is "right."

But don't you (meaning anyone of a conservative or Christian viewpoint) DARE to suggest that educators shouldn't be indoctinating children with all sorts of "leftist" ideas (i.e. homosexuality is okay, sex without marriage is okay, and heaven forbid that the THEORY of evolution be 'called into question' or...shudder...that the Creation Theory be taught because that might just give some poor kid the idea that God DOES exist).

Now there is Obama's claim that he "supports" the Second Amendement. Ya??? So why has Obama VOTED on RECORD against the Second Amendment protections EVERY time it has come up for a VOTE. Notice, he didn't vote "present," he voted AGAINST the right to own and bear arms, to use a weapon to defend yourself and your family from a home invader, etc.

And then there's the "little" matter of Obama being FOR all abortions AND for the death of any baby who "just happened" to thwart the will of the abortionist and mother by daring to SURVIVE a botched abortion attempt.

And Biden thinks Obama will be "tested" with some foreign crisis his first 6 months in office? What EVER might give someone the idea that OBAMA was interested in defending THIS country?

WHO was it that said that "the Presidency is no place for on the job training?"

NONE of that matters to liberals. They don't care. Obama doesn't care and a vote FOR Obama is an agreement and endorsement of "not caring." The "End justifies the Means."

Now where, oh where, have we heard that Obama mantra, and liberal belief, before?


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Originally Posted by penaltykill
While it was quite true in my day (and probably in yours) that UDel was nothing but a party school, it's not anymore. These days it is actually much more competitive. The kids I know that go there are very, very bright with very high gpas.

I know of only one top flight school in Phila. anyway, and it's UPenn. Drexel and Temple are easier to get into these days than UDel.

PK, I guess Biden was "back then."

But it could also be the "course of study."

I was a Biology/Pre-Med major in college.

I had to work my butt off to get an "average" grade in Science while working full time just to BE in school.

But anytime I wanted to "get a grade" all I had to do was to take some non-science related course.

As an example, my last semester in school I got 3 A's and 2 B's. I took 2 psychology courses, 2 philosophy courses, and a PE (golf) course. I did ALL the work for all the classes in about 1 week and partied and played golf 1 or 2 times every day.

I never did write up my term paper for one of the psychology courses. I just brought the professor my notes and outline and got and "A" for the course. "Poor little me," just not enough time to do a paper write up if I was going to graduate on time.

GPA means next to nothing to me in a candidate, as VERY few of them ever took the "hard sciences" or "mathematics."


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I am speaking of today. My son would actually be entitled to free tuition at the school(his mom works there)...and I will NOT send him there. It is a haven for crime/drugs/partying(and a nightmare for the Newark Police Department). Today.

St. Joes
Penn
LaSalle
Villanova
Bryn Mawr


All much better choices than UDel. And Joe Biden went there when the reputation was really bad.

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And Biden thinks Obama will be "tested" with some foreign crisis his first 6 months in office? What EVER might give someone the idea that OBAMA was interested in defending THIS country?

How scary is this?? After hearing Bidden make this comment, I hear Obama saying "We're going to start pulling Troop out of Iraq".

My son is headed back to Iraq for a 2nd tour of duty. He's appalled with Obama and his stand on the military. My son said that by pulling out before things are settled there, it's going to create a vacuum which is going to cause things to get very bad. He said "Mom, if they pull out before it's time, they (the terrorist) are coming after us on our soil. Mark my words"

My son said this a YEAR AGO.....now I hear Bidden saying what he said.


I FEEL SICK everytime I think about this. puke


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Originally Posted by JoJo422
Rwinger.....this is why this country should be moving to an across the broad tax where everyone pays the same % regardless of income.

All that "redistributing the wealth" does is cause more (like we need more people living off the government and the wealthy) people not to want to work hard to Achieve a higher standard of living. Why do it when the liberal government wants to slap your hand for making more money then they think that you need.

While my H and I DO NOT make any where close to the $250K....we do have HOPE that we will at some point and work hard every day to achieve it. But what's the point now if Obama is going to require even more taxes at that level and above?


I own and operate my own business. Before I ended up on MB, I paid taxes greater than most middle class Americans make. I was well on my way to falling into the classification of $250,000 per year that Obama is proposing for higher taxes.

The fact is that for the economy to do well the middle class has to have dispensable income to purchase goods and services. You have two options...give tax cuts to everyone and increase the national debt or give tax cuts to the middle class, raise taxes slightly for the wealthy and attempt to find a balance that keeps the national debt from increasing.

So, even if you pay a small percentage more in tax falling into the $250,000 a year income bracket, you'd still be living a lifestyle greater than 95% of the population. That sounds like reward enough for putting in the hard work to achieve that level of income. Actually, it would benefit you more because the middle class would then have more money to spend on goods and services for you to continue growing your business.

The only time our economy leveled off was under Clinton, like him or not, the tax policies he put in place worked and the economy boomed.

Want2Stay




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Taxes aren't the only consideration here, it's just one aspect. While I do not agree with Obama's tax plan, I also do not agree with his stand on the Military, abortion and many other things.

One of my biggest problems is his experience and those of you that like him, can't possibiliy be ok with his non-experience.

I'm an Anaylst for a major Health Care company and my job requires 4+ year experience. I'm sure that most upper position jobs require at least that or more.

How can anyone say that 140 days of government experience makes him a quailified choice for this job? It just doesn't make sense.



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Originally Posted by JoJo422
I'm an Anaylst for a major Health Care company and my job requires 4+ year experience. I'm sure that most upper position jobs require at least that or more.

As someone that works in health care, you can't possibly believe that McCain's health care plans are a good idea. They would destroy the employer based health insurance. Most major business organizations, including the United States Chamber of Commerce, have said it is a terrible idea. For the first time in history, McCain is going to tax your health insurance premiums. In return, he's going to offer you a $5000 tax credit should your employer drop your health insurance plan since they will no longer receive tax credits for providing it. It's estimated that 20 million people will lose their health insurance because we all know when bussiness is given the opportunity to increase profits versus taking care of their employees they will chose profits every time. Now, as I said, I am a businessman and I have purchased health insurance on the open market and $5000 wouldn't even begin to cover the cost. The premiums for my family of 4 to receive average coverage was $1200 PER MONTH! That $5000 tax credit isn't going to go very far and you're going to have to make up the difference out of pocket. If you are one of the lucky ones that gets to keep your current health insurance, you lose out on the taxes you paid on your health benefits. So, in essence, McCain actually just raised your taxes.


Originally Posted by JoJo422
How can anyone say that 140 days of government experience makes him a quailified choice for this job? It just doesn't make sense.

It's argued the Obama's IQ falls somewhere in the top 96% of the people on the planet. He's been studying ALL forms of government for nearly 20 years. So yes, he doesn't have on the job experience, but he most definitely does have an enormous amount of knowledge regarding the subject. I believe the fact that he hasn't been part of the current system for decades is a good thing. You have to look no further than the 100+ current and former lobbyists working on McCain's campaign to see how the system corrupts from within. McCain's own campaign manager, Rick Davis, received over $2.5 million in payments in one form or another from Freddie Mac.

Want2Stay


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medc: You'd turn down free tuition! Free! Takes a strong person to do that. So, you're speaking of colleges around philly. There's a ton in PA, to be sure. I looked at Haverford for my daughter and was kind of amazed at some things there. It's probably my age showing, but I prefer co-ed dorms to be co-ed by floor, rather than by room. The bathrooms may even have been co-ed, come to think of it.

I think that the partying atmosphere is prevalent at a lot of schools, even (or especially?) at ones with excellent reputations. My daughter goes to a school that is featured in Princeton Review's Elite Colleges and there is a lot of partying. You just have to hope that you've given your child the right foundation, which it sounds like you have.

ForeverHers: you sound just like my husband! (bio major/pre-med). He talks about his college roomates, non-science majors, who regularly slept until noon while he was headed to an 8am lab. Funny thing is that today, one of them is a master of the universe and the other is probably one of the top trial lawyers in our state.

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Did you happen to catch Joy Behar almost having a stroke and a cow at the same time when Bill O'Rielly "dared" to state that Obama' economic and tax plans ARE Socialist, if not "Marxist" or "Communist." "Daddy State" knows best. "Let the STATE determine who pays and who gets, with the STATE making the determination of "what's fair?" Right and wrong have, once again according to liberal thinking, NOTHING to do with it. We, the STATE "owe" you the right to take you neighbor's "extra" television and give it to you because you "need one." We can take your neighbor's car and give it to you, because you don't have one or yours is "too old."

FH - saw this last night also - pretty good.

Another topic that gives me pause - Wife and I have traveled all over Central America with backpacks. Seeing the low-income or "real poor" in those locations vs what we consider poor here is quite a difference.

I propose that we have the most over weight obese poor in the history of mankind anywhere in the world. So I am not sure what needs most of our low income folks are lacking that isnt already provided. I would rather give my money for better and higher education. Giving it to those that will do something with it and are willing rather than the opportunity to buy $100 tennis shoes, new Ipod or fancy pants.

It comes to the basic issue - Left wants to give bread out and the Right wants to give the means to make the bread. Just my humble opinion.

btw - my teenage daughter is pregnant - and eligible for a bunch of goodies from the govt. I just want to make sure her education is provided so she will not be a welfare queen. A mistake that would be multiplied many times. We will take care of raising the little one so she can finish HS and go to college. Life does not promise anyone a rose garden and the politicians need to stop the promises.

Last edited by rwinger; 10/23/08 10:51 AM.

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Originally Posted by Want2Stay/
As someone that works in health care, you can't possibly believe that McCain's health care plans are a good idea. They would destroy the employer based health insurance. Most major business organizations, including the United States Chamber of Commerce, have said it is a terrible idea. For the first time in history, McCain is going to tax your health insurance premiums. In return, he's going to offer you a $5000 tax credit should your employer drop your health insurance plan since they will no longer receive tax credits for providing it. It's estimated that 20 million people will lose their health insurance because we all know when bussiness is given the opportunity to increase profits versus taking care of their employees they will chose profits every time. Now, as I said, I am a businessman and I have purchased health insurance on the open market and $5000 wouldn't even begin to cover the cost. The premiums for my family of 4 to receive average coverage was $1200 PER MONTH! That $5000 tax credit isn't going to go very far and you're going to have to make up the difference out of pocket. If you are one of the lucky ones that gets to keep your current health insurance, you lose out on the taxes you paid on your health benefits. So, in essence, McCain actually just raised your taxes.

And what do you think Obama's plan is going to do to the health insurance industry?

IMO, the best way to reduce healthcare costs for EVERYONE is to regulate TORT lawsuits and reduce the # of people on MEDICAID, which is done by reducting entitlement programs and the # of people on them not by increasing, which is what Obama will do. Since I do work in Health Care, I see first hand what those two things do to his industry


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It's argued the Obama's IQ falls somewhere in the top 96% of the people on the planet. He's been studying ALL forms of government for nearly 20 years. So yes, he doesn't have on the job experience, but he most definitely does have an enormous amount of knowledge regarding the subject. I believe the fact that he hasn't been part of the current system for decades is a good thing. You have to look no further than the 100+ current and former lobbyists working on McCain's campaign to see how the system corrupts from within. McCain's own campaign manager, Rick Davis, received over $2.5 million in payments in one form or another from Freddie Mac.

Want2Stay


Have you ever heard the expression "EDUCATED IDIOT??

Just because he has Studied government for 20 years, that does not take the place for ACTUAL EXPERIENCE.

Do you want a person that has STUDIED Medicine for 20 years taking care of your deathly ill child (our country), or someone with ACTUAL EXPERIENCE????

I'll Take experience.....Especially in todays uncertain world.

Tell Barrack to come back in 8 years, when he's got 10 years (1/2 of his book experience) and then we'll talk.



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Have you ever heard the expression "EDUCATED IDIOT??

This is funny - my father's saying when he deals with morons is "I think he has had one year of college too much"


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McCain's own campaign manager, Rick Davis, received over $2.5 million in payments in one form or another from Freddie Mac.


FIRST of all....if you're going to make statements, at least tell the WHOLE TRUTH, not the truth as the LIBERAL MEDIA see's it. Rick Davis, DID NOT rec'ed $2.5M from FM, Davis Manafort did. Which, Rick Davis had taken a leave of absence from beginning in 2006, A leave without pay I might Add.


Quote
"Mr. Davis has seen no income from Davis Manafort since 2006. Zero. Mr. Davis has received no salary or compensation since 2006. Mr. Davis has received no profit or partner distributions from that firm on any basis -- weekly, bi-weekly, monthly, bi-monthly, quarterly, semi-annual or annual -- since 2006. Again, zero. Neither has Mr. Davis received any equity in the firm based on profits derived since his financial separation from Davis Manafort in 2006,"

But the above information has been BURIED by the LIBERAL MEDIA. It's not a daily talking point.....WHY....because it's not a story unless they are telling HALF TRUTHS. This story would have never seen the light of day if the Liberal Leaning Media had ANY ETHIC's AT ALL. It would not have been a story period.


Since you brought this up..... Remind me again.......HOW MUCH DID OBAMA, himself, GET FROM FM????


The top three U.S. senators getting big Fannie and Freddie political bucks were Democrats and No. 2 is Sen. Barack Obama.

Now remember, he's only been in the Senate four years, but he still managed to grab the No. 2 spot ahead of John Kerry — decades in the Senate — and Chris Dodd, who is chairman of the Senate Banking Committee.


It's amazing how the Liberal left, when trying to point fingers at someone else, ALWAYS neglects to say anything about their OWN INVOLVEMENT and also neglects to tell the public THE ENTIRE TRUTH..... naughty


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Originally Posted by Marshmallow
Why would you think I should use your COMPLETE quote from a post of yours I DID NOT QUOTE AT ALL???

I have no idea what you are trying to say here Marsh, sorry. My point is simple: Palin said a VP is in charge of Senate. End of story. If you want to discuss this, let's do it. But I am not interested in playing "I didn't quote what I quoted" games.

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Originally Posted by JoJo422
Have you ever heard the expression "EDUCATED IDIOT??

Don't look now, but the educated idiot is out campaigning and out classing the GOP right out of the Whitehouse.

Swing states swinging to Obama: Most of the national polls -- including our NBC/WSJ survey -- are now showing Obama with a double-digit national lead. And here come a slew of brand-new state polls that also suggest Obama is in command of this presidential contest. The University of Wisconsin’s Big Ten Battleground polls have Obama up 10 points in Indiana (51%-41%), 13 points in Iowa (52%-39%), 22 in Michigan (58%-36%), 19 in Minnesota (57%-38%), 12 in Ohio (53%-41%), 11 in Pennsylvania (52%-41%), 13 in Wisconsin (53%-40%), and nearly 30 in Obama’s home state of Illinois (61%-32%). Meanwhile, there are new Quinnipiac surveys that show Obama up five points in Florida (49%-44%), 14 in Ohio (52%-38%), and 13 in Pennsylvania (53%-40%). And finally, new CNN/Time surveys find Obama ahead by five points among likely voters in Nevada (51%-46%), four points in North Carolina (51%-47%), four in Ohio (50%-46%), and 10 points in Virginia (54%-44%). The lone state survey that shows McCain ahead: CNN/Time’s West Virginia poll, where McCain’s nine (53%-44%).

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Originally Posted by JoJo422
Lets hear how you would explain this to a 3rd grader, keeping in mind that YOU have time to think about your answer and aren't under constant media and democrat scrutiny

Well, by definition I had time to think about it, so I won't pretend that I didn't.

But regardless, I think it's easy to explain, even to a 3rd grader, that a VP's job is to promote the agenda of the President, including working to get bills passed through Senate. Just not be in charge of the Senate.

It's like if a 3rd grader asked you what is your job as a businessman, and you'd say "I work with other businessmen to get things done". You would not say "I am in charge of the other businessmen".

AGG


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AGG,
How would you have explained to a 3rd grader what a VP's job is?

How old are your children, think about how you have to explain things to a 7 year old as opposed to an Adult?


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Originally Posted by JoJo422
FIRST of all....if you're going to make statements, at least tell the WHOLE TRUTH, not the truth as the LIBERAL MEDIA see's it. Rick Davis, DID NOT rec'ed $2.5M from FM, Davis Manafort did.

And who was leading the firm Davis Manafort if not Rick Davis?

AGG



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Originally Posted by JoJo422
AGG,
How would you have explained to a 3rd grader what a VP's job is?

I thought I just did... dontknow

"a VP's job is to promote the agenda of the President, including working to get bills passed through Senate"

AGG


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