When you take a look at the problems our country is facing, debt is No. 1. The math is downright scary and the credit markets aren't going to keep on giving us cheap rates.
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High bankruptcy rates, increased credit card debt, and identity theft make it imperative that all of us take an active role in providing financial and economic education during all stages of one's life.
quote by Ruben Hinojosa
Submitted by Lucian Velea
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Math Suks
If necessity was the mother of invention
Then Id like to kill the guy who invented this
The numbers come together in some kind of third dimension
A regular algebraic bliss
Lets starts with something simple
Like 1 and 1 aint 3
Any 2 plus 2 will never get you 5
Theres fractions in my subtraction
And x dont equal y
But my homework is bound to multiply
Math suks (math suks), math suks (math suks)
Id like to burn this text book
I hate that stuff so much
Math suks (math suks), math suks (math suks)
Sometimes I think that I dont know that much
But math suks
I got so bored with my homework
I turned on the tv
The beauty pageant winners were all smiling through their teeth
And they asked the new miss america
Hey babe can you add up all those bucks
She looked puzzled then just said math suks
Math suks (math suks), math suks (math suks)
You dont even have to spell it
All you have to do is yell it
Math suks (math suks), math suks (math suks)
Sometime times I think that I dont know that much
But math suks
Geometry and trigonometry and if they dont tax your brain
There are numbers to big to be named
Numerical precision is a science with a mission
And I think its gonna drive me insane
Parents fighting with their children
And the congress cant agree
Teachers and their students are all jousting constantly
Management and labor keep rattling old sabres
Quacking like those peabody ducks
Math suks (quack quack), math suks (quack quack)
You dont even have to spell it
All you have to do is yell it
Math suks, thats right, math suks, you got it
Sometime times I think that I dont know that much
But math suks
All right there goes our g rating
Math suks, math suks, math suks the big one
Math suks, math suks, math suks the big one
Math suks, math suks, math suks the big one
Math suks, math suks, math suks, math suks
song performed by by Jimmy Buffett
Submitted by Lucian Velea
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All of the problems we're facing with debt are manmade problems. We created them. It's called fantasy economics. Fantasy economics only works in a fantasy world. It doesn't work in reality.
quote by Michele Bachmann
Submitted by Lucian Velea
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We are passing through a very sensitive time, and on the whole, this country is facing very big problems.
quote by Naguib Mahfouz
Submitted by Lucian Velea
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Dirty Deeds Done Dirt Cheap
If youre havin trouble with your high school head
Hes givin you the blues
You wanna graduate but not in is bed [...but not in his debt]
Heres what you gotta do -
Pick up the phone
Im always home
Call me any time
Just ring
36 24 36 hey [36 24 36 8]
I lead a life of crime
Dirty deeds done dirt cheap
Dirty deeds and theyre done dirt cheap
You got problems in your life of love
You got a broken heart
(shes) hes double dealin with your best friend
Thats when the teardrops start - fella
Pick up the phone
Im here alone
Or make a social call
Come right in
Forget about him
Well have ourselves a ball
Dirty deeds done dirt cheap
Dirty deeds and theyre done dirt cheap
If you got a lady and you want her gone
But you aint got the guts
She keeps naggin at you night and day
Enough to drive you nuts -
Pick up the phone
Leave her alone
Its time you made a stand
For a fee
Im happy to be
Your back door man
Dirty deeds done dirt cheap
Dirty deeds and theyre done dirt cheap
Concrete shoes, cyanide, tnt
Done dirt cheap
Neckties, contracts, high voltage
Done dirt cheap
song performed by by AC-DC
Submitted by Lucian Velea
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This debt crisis coming to our country. The wall and tidal wave of debt that is befalling our nation. Medicare and Social Security go bankrupt within ten years, we have a debt that is looming so high that in the last year of President Obama's budget just the interest payments on our debt is $916 billion dollars.
Typically, students slide into debt through the extension (by credit card companies) of unaffordable credit lines.
quote by Robert Manning
Submitted by Lucian Velea
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Scary But Fun
The first time you rode your bicycle down the streets, you fell on your hands,
(? ) and bruises, the first time you dropped then you ran,
Scary but fun, take a chance in life you have one/won,
A little bit scary, but fun, did you forget what its like to be young?
I remembered I learned how to water-ski, and the road ran over my head,
Broke several bones in my body, I got right up and did it again
Scary but fun take a chance in life you have one/won,
A little bit scary, but fun, did you forget what its like to be young,
See you standing on the corner, watching lights as the action goes by,
Hearing music coming from the neighbour, as they sit in the silence, hear them cry,
Take to your wings, butterfly,
Scary, but fun, crazy, but so much fun,
Scary, but fun, crazy, but so much fun,
Scary but fun, take a chance in life you have one/won,
Scary, little bit scary, but fun, did you forget what its like to be young?
Fun! (x3)
Fun! (x3)
Fun! young! fun!
Im a little bit scary, but Im fun,
Just a little scary, but so much fun,
Fun.
song performed by by Grace Jones
Submitted by Lucian Velea
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Credits and discredits
To love back one who loves you
Is not a credit that you deserve.
It is a debt cleared.
To love one who doesn’t love you
Is not a credit that you deserve.
It is your investment.
To love one on sexual ground
Is not a credit that you deserve.
It is to feed your hunger.
Though you deserve no credit,
If you don’t employ such loves
You will get discredits.
27.02.2010
poem by Rm. Shanmugam Chettiar
Submitted by Poetry Lover
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Social Insecurity
Strapped Seniors use credit cards ‘stead of cash
To stay afloat, after losing their stocks n’ bonds
Yet more victims of another Wall Street crash
“Let them eat cake” is what the Fed responds
ROTMS
From Reuters Article 10/23/2010
Retired and broke: Why retirees are declaring bankruptcy
For more and more seniors, retirement doesn’t mean a debt-free life of leisure. An increasing number of Americans aged 65 and older are declaring bankruptcy, according to a recent study by John Pottow, professor of law at the University of Michigan Law School.
Those aged 65 and older represented seven percent of bankruptcy filers in 2007, a mind-boggling jump from 1991. They are the “fastest-growing age demographic, ” according to Pottow’s study.
What’s the culprit for so much debt? Credit cards. Two-thirds of Americans who filed for bankruptcy said credit cards were the key reason for their financial problems, according to Pottow’s research. Besides having more credit card debt compared with younger bankruptcy filers,44.8 percent of those aged 65 and older also had more plastic in their wallets. “They’re using credit cards as a maladaptive coping mechanism, ” Pottow says.
Stephanie Osterland, a supervisor in the bankruptcy department at GreenPath debt solutions, sees an increasing number of seniors living beyond their means. Says Osterland: “They’re just trying to live off of a fixed income, and that’s usually Social Security. Maybe they have a small pension. We find they’ve used credit cards to supplement that income and expenses or they just end up getting into a lot of medical debt.”
In addition to escalating medical expenses, seniors have seen their portfolios hit hard by the lagging stock market. Carolyn Rodi of Saving Your American Dream says those considering bankruptcy should see a credit counselor at a non-profit organization to get their finances in order.
Credit counselors, such as those at GreenPath, help the elderly deal with a stressful situation. “We try to help them focus on what it’s going to look like” after they get out of debt, Osterland says.
Rodi also recommends that potential bankruptcy filers seek out pro-bono legal aid. “There are a lot of elderly people that are being taken advantage of by bankruptcy attorneys and mortgage brokers who are advising them improperly to pay for the bankruptcy, take out a reverse mortgage or to do things that aren’t in their best interest, ” she says. ”If you have no income, why should you borrow to pay someone when you can get free legal aid? ”
What are the chances of a senior paying off his or her debts? It’s difficult to determine, especially because seniors tend to be on a fixed income. And while finding a job — such as a WalMart greeter — seems like a viable option, it is not necessarily feasible for all seniors to work.
In addition, whether or not a person declares Chapter 7 (which involves the liquidation of one’s assets) or Chapter 13 (which allows debt restructuring) bankruptcy can be a significant factor in determining what one’s lifestyle will be. “If you have to file for Chapter 7 bankruptcy, you may be able to find affordable housing that allows you to just get by, ” says Rodi. “Chapter 13 lets you keep your house and doesn’t touch your retirement savings.”
Regardless, filing for bankruptcy is very stressful for anyone. “A lot of our clients in that post-retirement age have a hard time coming to grips with their situation, ” Osterland says. “It’s very emotional for them. We try to focus on the future and see if this debt can be lifted off their shoulders.”
poem by Ray Lucero
Submitted by Poetry Lover
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Facing Up
Why do you wish to live in an ideal world?
Why do you think, that God will always be there?
Is it so hard to see things like they are?
Maybe one day, you'll stop living in a dream
Maybe not
Why religion, or magic or anything else?
What do you mean, love is not all we need?
Is it so hard to look at death every day?
Maybe one day, you may say this is for real
Maybe not
Facing up
Maybe not
Facing up
What if not?
So many problems of science involved
Complexity and basic principles
Observations of the empty space
Still searching for the final theory
Yeah the final theory
About our fate
Destiny
The dark energy
Facing up
Maybe not
Facing up
What if not?
song performed by by Voivod
Submitted by Lucian Velea
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Losing Patience
If one is the owner,
Of another's debt.
And that other one's life,
Has been enhanced by loans and credit,
Kept.
Who is more indebted?
The one who's lifestyle has been fed,
On the achievement of good credit ratings?
Or the one quietly...
Losing patience instead?
If one is the owner of another's debt.
And one of the two brags about a greatness kept.
While the other has sat patiently...
Listening to the boasting,
Of one exposing a pumped up chest!
Which one do you think eventually...
Will extend an upper hand?
And which one will admittedly,
Will express regret and on nothing to stand.
On which can be declared is theirs to own?
Not if one is accustomed to living indebted,
On borrowed finances another loans.
Which one do you 'think' will be left to moan?
poem by Lawrence S. Pertillar
Submitted by Poetry Lover
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Dealing With 'Accepted' Reality
The most difficult part in dealing with 'accepted' reality,
Is the financing of the delusional side of it.
With loans due and credit rates soaring to pay.
And creditors seem to lose their sense of humor,
The moment an application is signed...
And denied for having no credit history.
With no one to co-sign for a lifetime of dependency.
Or one having such bad credit a rating no longer applies.
Leaving those with no debts at all...
Feeling ostracized and looked upon as threats.
And today...
If one is not in foreclosure,
Or has a repossession in progress...
A feeling of being in total isolation is the experience.
With stares received from others for being unpatriotic!
poem by Lawrence S. Pertillar
Submitted by Poetry Lover
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Problems (feat. Koffee Brown)
Problems
Problems with your girl today
Problems
Problems with your man today
situations hard to handle
got me goin out ofmy head
theres so much pressure
i just cant deal
you think its all about you
and that sex appeal
but i got problems
(slickin around on the "L" to the hotel all around town) let me know
(whos it gonna be him or me)
it cant be three
problems
problems with your girl today
problems
problems with your girl today
here we are
the two of us together
takin this crazy chance
to be all alone
my man dont know
that we been lovin eachother
cuz if he found out
we'll have nothin
nothin but
Problems
problems with your man today
problems
problems with your man today
problems
problems with your man today
problems
problems with your man today
said can i get a witness
so many problems
can i get a witness
can i get a witness
so many problems
can i get a witness
problems
problems with your girl today
problems
problems with your man today
problems
problems with your girl today
problems
problems with your man today
song performed by by Next
Submitted by Lucian Velea
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I think labels have been used alot during this election process to divide people, and at this point in time we really need people to come together, and be their own person, come with their own suggestions, and really solve the problems that we have facing this country.
quote by Kristi Noem
Submitted by Lucian Velea
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I think we have grave problems. I am very much concerned about environmental questions, even though in Finnish society, we are not facing the most urgent problems.
quote by Harri Holkeri
Submitted by Lucian Velea
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Is It Scary?
Theres a ghost out in the hall
Theirs a goul beneath the bed
Now its coming through the walls
Now its coming down the stairs
Then theres screaming in the dark
Hear the beating of his heart
Can you feel it in the air
Ghosts be hiding everywhere
Im gonna be
Exactly what you wanna see
Its you whose haunting me
Your warning me
To be the stranger
In your life
Am I amusing you
Or just confusing you
Am I the beast
You visualised
And if you wanna to see
Eccentrialities
Ill be grotesque
Before your eyes
Let them all materialise
Is that scary for you baby
Am I scary for you oh
Is it scary for you baby
Is it scary for you
You know the stranger is you
Is it scary for you baby
Theres a creak beneath the floor
Theres a creak behind the door
Theres a rocking in the chair
But nobody sitting there
Theirs a ghostly smell around
But nobody to be found
And a coughin and a yawnin
Where restless souls spoke
Im gonna be
Exactly what you gonna see
So did you come to me
To see your fantasies
Performed before your very eyes
A haunting ghostly treat
The foolish trickery
And spirits dancing
In the light
But if you came to see
The truth the purity
Its here inside
A lonely heart
So let the performance start
Is that scary for you baby
Am I scary for you oh
Am I scary for you baby
Am I scary for you
So tell me is it scary for you baby
So tell me is it crazy for you baby
Am I scary for you
You know the stranger is you
Am I scary for ya
Masquerade the heart
Is the height of haunting souls
Just not what you seek of me
Can the heart reveal the proof
Like a mirror reveals the truth
See the evil one is you
Is that scary for you baby
Am I scary for you oh
Am I scary for you baby
Is it scary for you
So tell me am I scary for you baby
Am I scary for ya baby
Is is scary for ya baby
Am I scary for you
(I dont wanna talk about it)
Am I scary for you baby
Am I scary for you
Im tired of being abused
You know youre scaring me too
I see the evil is you
Is it scary for you baby
song performed by by Michael Jackson
Submitted by Lucian Velea
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Fresh Debt Offerings
Yes...
My credit is bad.
It has been for a long time.
But guess what?
Even though I didn't start that trend...
I now feel more American and patriotic than ever!
My credit has been bad for so long...
It has become good with fresh debt offerings!
Visa and Mastercards with applications sent.
With approval guaranteed...
If I should call within 24 hours.
Yes!
Whether or not I am penniless.
And at one time I felt ostracized,
Because I had no credit at all!
And today I've become embraced,
As a true American.
After more than 400 years!
And many stolen inventions.
poem by Lawrence S. Pertillar
Submitted by Poetry Lover
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Social security, bank account, and credit card numbers aren't just data. In the wrong hands they can wipe out someone's life savings, wreck their credit and cause financial ruin.
quote by Melissa Bean
Submitted by Lucian Velea
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Well, we're just now seeing the reductions in mortgage rates. The mortgage rates are based on the ten-year rate and the Fed controls the overnight or the shorter rates.
quote by Franklin Raines
Submitted by Lucian Velea
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