Your Questions About How To Pay Off Credit Cards For Less Than You Owe

Laura asks…

How to get credit card companies to settle for less than amount you owe?

I am just over 30 days deliquent with my credit cards and want to settle them to pay off. No one will even consider it. I have a way to get money to pay them all off, but only if they can accept a lesser amount. What are my options besides bankruptcy or consumer credit counseling.

richmama answers:

Credcards.maclenet.com – transfer balance to one of these credit cards. It will provide 0% interest rate for 12-18 months.

Charles asks…

Will credit collection company usually settle for less than owed and if so how much?

A couple years back I lost my job. I had about four different credit cards with four different companies open at that time. Unfortunately, when I lost my job I could not longer pay on any of these which resulted in all of these accounts being sent to collections!! I am now in the process of trying to pay off everything and repair my credit to buy a house. I am about $4700.00 in debt and have the money to pay it off in one big lump sum. Will the credit collection company settle for less then this? If so how much? Is it better to call each company I had a credit card with (Capital One, Target Etc..) and tell them that in the past I had an account with them and they sent it to collections and now I have the money and would like to pay it off in full for less? Will they do this? Please Help! Thank you ! God Bless

richmama answers:

They will negotiate, LISTEN to the others here concerning admitting all the debt and the desire to come clean.
Your credit already damaged, why should you pay them years of trumped up late fee and over limit fee at $35.00 for who knows how many months.
Your actual debt to these guys is probably less than a third of the current balances.

Here are a couple of legit sites to help YOU from paying what you really shouldn’t.

Good Luck!

Richard asks…

How legit are these for paying off debt?

How legit/what do you know about those cheesy, gimmicky “consolidate your debt into one low monthly fee at less than the amount you owe“? Are they a scam, or would this work in my case?

My family and I owe:
over three thousand in credit card debt (2 different cards)
over one thousand to an attorney

richmama answers:

No, do not fall for these ads. It would take you forever to pay off your debt with these agencies. Your debt isn’t really that high. You could manage it by yourself. First step is not to charge anything else and to pay as much as you can to each card every month. Ask the attorney if he could put you on a payment plan that would be manageable. The more you pay on the credit cards the better. You need to get it down to the point that you can pay them off. In the future, never put more on a card than you can pay off at the end of the month. This saves you from getting interest tacked on. Good luck

Daniel asks…

Serious credit card question…Please respond?

Ok I have a serious question and before I start please do not answer with you shouldn’t have been so stupid in the first place. It is done with and happened in the past. I had roughly $15-17,000 in credit card debt and chose to settle on most of my credit cards. I was able through the help of my family to settle to pay them all off. Most went to charge off status and I was getting calls everyday. I was also making next to no money so I was unable to pay off during that time. I did not want to declare bankruptcy but now this year when tax time comes I will more than likely have to declare around what I believe to be $3-4 thousand on my taxes. My total gross earnings for 2008 is around $10 thousand dollars. Will this help me to not have to owe as much on the 1099 c gifted tax that I will have to put as earned income. I just dont have that kind of money to pay the IRS in March. Also, if I am able to pay the IRS the gifted money why wont the creditors delete my record as settled for less than full amount ???? The credit card companies get the money I settled for and the difference that was owed to them from the IRS when they sent that form in… so in reality they get their money all of it??? Right?? So I end up paying this why cant these marks be deleted??? I had an excellent credit score of 758 before these mistakes and now the last time I checked it is at 654. I am just asking if there are any credit specialists or people with the knowledge of how this works. I am sorry this is so long but I needed to ask this question.

Thanks for your help.

richmama answers:

First off, you might not get the 1099-Cs for 2008. Even though the creditor accepted the settlement in 2008, until they actually write the amounts off their books, you won’t get the form.

The year you get the form you have two avenues:
1. Add it to your tax return (1040, line 21) and pay the tax.
2. Get IRS publication 4681 and determine if you are insolvent and if so, by how much. If this covers the debt, then you can postpone including it in come with form 982 (see the publication).

For example, you settled the $15,000 in debt for $5000, you could get a 1099-C for $10,000.

If your income jumps from $10,000 to $20,000, your tax bill would jump from $105 to $1256 as you are still mostly in the 10% tax bracket.

To claim insolvency, you don’t look at income, you look at assets and debts. You pretend to sell everything you own (including the shirt off your back) and determine that just prior to the debt cancellation, could you have paid EVERYONE every penny you owed. (That’s including the full $15-17,000 in debt.) If the answer is no, you are insolvent. If you could have paid all but $3000, then $3000 is the degree you were insolvent.

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Your Questions About Halloween History For Kids Story

John asks…

B&A readers/writers. What do you think?

I usually never write “simple” stories or “kid” stories and instead try to go for deeper or more mature ideas. I tried this out last night, just for a change. I’m trying to decide whether or not it’s worth pursuing, so I’m posting in on here, to get some rockin B&A feedback :) Let me know what you think!

—–

The Daily Adventures of Danny Ratsmith
Day 1 – The First Sight

It was a little sad that the first thing Danny Ratsmith saw when he looked into his future, was that he was going to lose the ability to see into the future.

Not forever, of course, but after that first day, it would be many years until he would wake up with The Sight again. The Sight would be the rarest of his powers, and his most dangerous one, but it was the first power that Danny ever had.

The day Danny got The Sight was a muddy Saturday, and it started with his nose bleeding. It wasn’t like when you pick it and notice the boogers are a little red. No, It was gushing, for absolutely no reason at all. Well, there was a reason, but not one that Danny knew about yet.

“Doesn’t anyone have freakin’ tissues?” Melanie Spark, the pony-tailed tomboy who lived three houses away from Danny, was trying her hardest to keep from being stuck taking him home. They were in the middle of a perfectly good game of War, and she was still alive and throwing plastic baseball bat grenades, despite being the only girl playing and, therefore, the favorite target.

Nobody had any freakin’ tissues, so Melanie was chosen as the escort.

“You stink, Ratsmith.” She said it so often it hardly meant anything anymore.

They walked together to the end of the cul-de-sac and it started to sprinkle a bit. Danny’s yellow soccer shirt was covered with blood, it looked like something you’d buy at a Halloween store. He was so lightheaded that he started caring more about what he was going to be for Halloween and less about stopping the blood coming from his face. What would he be for Halloween? Something like a cross between a zombie and a Twinkie was trying to form itself into a costume idea. Danny felt excited, like when this idea figured itself out, it would be the best costume anyone had ever thought of in the history of Halloween.

That’s when he passed out.

When he woke up in the middle of a bloody mud puddle, he saw Melanie and his mother standing over him. Except… Melanie was old. There were wrinkles around her dark brown eyes, and a grey streak through her dark brown hair. She wore all white, like a doctor’s outfit, and a silver necklace with three little charms dangling from it that looked like people. What were those supposed to be? Her kids? No way. Melanie Spark was never getting married and never having babies. At least, that’s what she always told the boys.

Danny blinked. Old Melanie was mouthing a word at him, but he couldn’t understand it.

“What?” he asked. She shook her head, then said it again through soundless lips. Something that started with a “P”… Or an “M”… Pouncer? Mouser? Power?

In that instant, the Sight was gone, and Melanie was back to normal.

“Did I just see the future?” Danny accidentally said it out loud, which made his mother call an ambulance.

As they waited and his mother told him to lay on his side to keep the blood from doing down his throat, Danny closed his eyes and tried to see the future again.

It worked. Behind his closed lids, he saw himself losing the power to see into the future, which was kind of disappointing, when it comes to things you hope to see when you look into the future. But he also saw something else. He saw himself waking up the next day with a new, different power. And then he’d lose that one too, and wake up with a new power the day after that. He didn’t know what the powers would be, but if what he was seeing was true, he was about to become the most important 10 year-old the town had ever seen.

That is, once the paramedics figured out what to do about his bleeding nose…

richmama answers:

I think it’s definitely worth pursuing; it’s an interesting set up and the writing is quirky in a good way; however, if this is the very beginning maybe include some more details about Danny so the reader cares enough to keep reading. Just a thought. Keep up the good work!

Thomas asks…

What is this movie called?

A while back I watched this movie at my dad’s house (about 10 years ago), and now I can’t remember what it was called. To start, it wasn’t a regular kind of movie; in fact, it probably isn’t very well known at all. It was…almost like an educational movie or something about Halloween. Only, instead of it only going through the general “this is the history” kind of thing, it actually had a plot line.

Basically, there were these friends who were going to go trick-or-treating, and they were going to stop to pick up their friend who apparently knew all the good spots to go to. However, when they got to the kid’s house, there was an ambulance parked out front (apparently something had happened to the kid). Suddenly, the friend they had come to pick up darts out from the house and down the road. Thinking he’s going to show them some great place, they all follow him (ignoring the ambulance for some reason). When they come to the end of the road, they see this huge mansion with a giant tree full of pumpkins. The kid they followed is up in the tree, where he seems to have picked one of the…er, tree pumpkins. The guy that owns the mansion suddenly bursts out, yelling at the kid to put the pumpkin down, but he…he either runs away or flies away or something, because the guy doesn’t get him.

Now, the rest of the story is this group of kids and the old guy flying through time and other cultures to a) chase down the mysterious kid and b) learn about Halloween. I remember that in the end the kids figure out their friend is either dead or dying (hence the ambulance), so to ultimately save him, they sacrifice their lives/souls in the form of candy skulls to bring him back. Then everything goes back to normal, the old guy is happy, and the end scene has the ghost kid with the pumpkin he took in his window.

I can remember all this, but I just can’t remember what the movie is called. It’s ridiculous! I know it’s not one of those awesome feature length movies that most people watch (including me), but I really kind of want to see it again simply because the plot line was so…weird. xD;; If anyone can recall the name, I’ll be estatic.

Also, don’t reply with “look on youtube” because it’s rather hard to search for a video without knowing the title, if you know what I mean.

richmama answers:

The Halloween Tree (1993)
IMDb review:
Children go out to trick-or-treat, less one member of the gang, known as Pipkin. A house they visit looks very spooky and has in its yard a tree festooned with Jack O’Lanterns. They meet the mysterious Mr. Moundshroud (voice of Leonard Nimoy). The strange grownup introduces them to various Halloween traditions, taking them on trips through time and space. They learn that Pip, who has been taken to the hospital, could be in danger of dying, making their quest more urgent. Ray Bradbury, who wrote the original story, is the narrator.
Here’s Part 1 on YouTube:
http://www.youtube.com/watch?v=3NqgidFIHw8&feature=PlayList&p=DA0855E85EA16FBB&playnext=1&playnext_from=PL&index=40

Paul asks…

Can any of you actually see Guardian Angels?

I’ve always been interested in these things. It was Halloween one day when i was in 7th grade. My history teacher Told us a long story abou this son seeing guardian angels. He took the whole period telling us! My teacher is around 60 and his son is now, i believe, around 20-30 or so. He told us that when his son was around 7 he would always catch him talking by himself. So one time he asked him who he was talking to. The kid told him that with his guardian angel. My teacher “Mr. N” [not using real names] decided to forget about it thinking he would stop having that “imaginary friend”. So, when his son got older like around 12, he kept on doing the same thing. So Mr. N decided to ask him again why he would talk alone. His son told him that he’s lived with the guardian angel his whole life. So he forgot about it. Ignoring it. When his son turned 17 he would still talk alone with his “guardian angel” so my teacher didn’t think he was lying after all. He had a long talk with him that day. His son explained to him how his angel is really nice. That it’s been with him everywhere. And that he’s used to it. Mr. N asked him since when he’s been talking to his “guardian angel” and he told him that he doesn’t remember but he said since a long time ago. His son also told him that he could see other people’s guardian angels. So Mr. N decided to ask him what angels he had. And he said that some people could see more. but that he could only see 2. So Mr. N asked him how they looked and his son told him that their was an old guy that their was something wrong with him. So he asked him what and he told him that their was something wrong with his eyes. He said that he was blind from one eye. and from the other he was already going blind also. Mr. N asked him how old he looked and he said aroung 80. Then my teacher thought and remembered he had a grandpa that was blind from one eye and going blind from the other. and that he was around that age. So he got scared and asked him about the other one. He said it was a women. Around her 20′s or 30′s. She had long blonde hair and was tall and thin. Mr. N never knew anybody that looked like that. My teacher freaked out. His son also told him that when he goes to places he see’s everybody elses guardian angels. He said that some people have the denom inside of them and that he only sees a dark black shadow besides them. Mr. N went to a proffesional that could communicate with guardian angels. The lady started talking to his angels. Later my teacher asked her how they looked and she described them exaclty how his son did. The lady also described this other person i can’t remember. but the son couldn’t see that guardian angel. he only saw the other Two. After, my teacher believed his son. He told us that a couple of years ago he was telling his class that exact thing he told us. and all of sudden when he was nearly finishing a girl in that class started crying. He took her outside and asked her what was wrong. the girl told her that She tought she would never find anyone that would believe her. And so she found that teacher and his son. So any of you see guardian angels? they say only kids could. But my teacher’s son is old! and old enough to have an imaginary friend. So he really does talk right now still to his guardian angel. Or do you know anyone that communicates with them? Im curious about all these things. It makes me wonder. At some point i wanted to actually be able to communicate with MY guardian angel. I would really love to be able to do that.

Thanks for those who answer and God bless you.

richmama answers:

I have never been able to see mine like to just look at them, I see them in dreams but did not know who they were until I recently got interested in Mediums and psychics which is another story but I had a psychic draw a picture of my spiritual guide and describe my guardian angels. My spiritual guide turned out to be this little old lady who lived next door when I was very young. I used to run next door every time I saw her out and climb in her swing and spend hours listening to her stories and I called her “Gammy” I was like two and she was like eighty. She once told me if she had to leave she would always be with me and I cried when the psychic showed me the picture and he had drawn and he had written “Gammy” at the bottom. He described my favorite Uncle as one of my Guardian Angels and I knew he was for real because he told me the angel told him to tell me he always knocked on our window with his keys when he visited when I was a child. One was an oriental man and I had no idea who it might be until I was telling my mother about what the psychic said and she told me about an elderly oriental man who worked for my parents when i was a baby and he would always tell my Mother I was in spirit his baby. The third was a Native American man. I vaguely remembered him again from my childhood. We vacationed yearly in Arizona or New Mexico and this man lived on a reservation in Arizona and he had made me a beautiful turqoise necklace with a symbol which meant something to the effect of Child of my family. I still have the necklace and was very touched that these people had chosen to watch over me. I have seen them all in my dreams. It is said and I believe it that if you say out loud before you go to bed at night, I wish to see my Guardian Angel in my dreams you will see them and after you see them in your dreams if you talk to them you will hear them and eventually see them. All children are born with this ability but usually their parents tell them it is their imagination so they quit believeing and their Guardian Angels quit showing themselves until a person comes to a spiritual place in their lives where they believe again.

Betty asks…

Why would my friends be afraid to go to the bathroom?

Well you see,a few weeks or months ago me and my friends were talking about bm (bloody mary) and one of my friends went into the bathroom and said her name three times with the lights out and she got slashed.She has a scar now.I don’t believe them.Well my friends are no afraid to go to the bathroom and I said is it about bm (bloody mary)? And they said no I’m just afraid to go in the bath room.I think it was because of bm (bloody mary) I heard about this on line.

September 24, 2007
My own story finally comes out:)

I feel like it’s time to talk about my own “Bloody Mary” experience. It almost seems like too much of a build up, but here goes: I was ten years old and my friend and I were having a sleep over. After gossiping about every boy in school, we got bored, and we started talking about our favorite horror movies. When that got us thoroughly freaked, we tried to come up with things we could do that would freak us out more. I would pretend I could hear someone knocking on the door on my back patio. (my whole back yard was forest, so this was particularly creepy) My friend kept on pretending she’d hear someone coming down the stairs (my bedroom was on the bottom floor of my house, so being in the basement, pretending someone was coming down the stairs, was really scary even if it sounds silly) Then I remembered Bloody Mary and we both squealed appropriately and I got the candles. Of course, the candles were actually fake, my parents wouldn’t trust me with real fire in my room, but even the fake ones served their purpose. We went into the bathroom and switched on the candles. I decided to be the brave one and I spun in circles a little more than three times, but we were giggling at this point, so the dizzier the better. We both went to the mirror, and I said, Bloody Mary, Bloody Mary, Bloody Mary. I couldn’t focus, I was so dizzy, so I asked my friend if she saw anything. She said no. And then…in the reflection of the mirror we both saw the window that faced my backyard, and there, staring at us from outside, was a girl with her hands plastered on the window, her mouth was open like she was screaming. We screamed and ran as fast as we could up the stairs to my parent’s room, waking them up and quite frankly, pissing them off. But we wanted my dad to go check it out. When he went down there, there was no girl, no nothing. We didn’t sleep a wink that night and to be honest I didn’t sleep for a week after, I kept the curtains down and put earplugs in my ears. But that moment has stuck with me forever.
Posted by rubloodymary at 11:56 AM 9 comments
Friday, September 14, 2007
More juicy stories…

Okay, I found another link to more stories. Some of these are pretty tough to swallow, but some of them I have to wonder… The Newport, MI story is just sad. Bloody Mary or not, the kid died. How many others have had similar experiences? Maybe getting yourself all worked up about something can freak you out to the point of death. I think people can scare themselves to death. It just shows how powerful of a weapon fear is. If Bloody Mary does exist all she’d have to do is show up in the mirror, that would be enough for most to make them run screaming. I would think it might even be a little fun for her : ) Enjoy the stories, I did! Check them out via the links page on rubloodymmary.com

www.halloween-website.com/bloody_mary_stories.html

Posted by rubloodymary at 10:55 AM 1 comments
Tuesday, September 11, 2007
Bloody Mary’s bloody history

Some cool extra info that will most definitely be in my paper: A couple of namesakes, one being the most obvious, Queen Mary Tudor (or Mary Queen of Scots, most commonly known), who had almost 300 religious dissenters executed after she changed England’s religion to Roman Catholicism (this didn’t last btw Queen Elizabeth (her successor immediately reversed this once she came into power) But history lesson aside, this is how she got the name, Bloody Mary. There is a DC comic superhero called Bloody Mary, she was pretty bad ass, she was a vampire that used a flying disk ala Green Goblin and can manipulate her enemies by projecting rays from her eyes, and telekinesis to boot. And who can forget Bloody Mary from the musical South Pacific (I can) I hated that movie, but she was a character all the same. But most importantly (to college students anyway) is the drink, V-8 and vodka, yuck. So, just finding the roots of the name Bloody Mary has been interesting. What I still need to find out is how it became a game girls play at slumber parties? From Mary Queen of Scots to mirrors in the dark, quite a leap. The name that comes up the most for the “slumber party” version and the topic of my paper, is Mary Worth. Most of the legends say she was accused of killing her kids and anyone that says her name she thinks of as her accuser and will scratch your face off. How lovely. Some say she was a young girl who was killed by being buried alive and is now out fo

richmama answers:

I don’t know maybe she’s afraid to admit it.
Or is she afraid to use bathrooms everywhere?
Because I usually don’t like going to the bathroom at my friends house XD It’s weird.

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Your Questions About How To Budget A Household Online

Laura asks…

Is it possible for me to financially go back to school?

I was taking online classes through Devry which is pretty flexible. At the time, I wasn’t working, just strictly doing school. I was staying on top of my work and making A‘s. My husband and I had gotten into a financial crisis, so I had to go back to work. I was trying to juggle work, school, and a household containing 4 kids and a husband. I was too tired to concentrate on my work and my grades dropped to C’s and D’s. I got so overwhelmed that I just gotten to the point to where I gave up completely. I loved taking the online courses and have yearned to go back to school ever since. But I am still working and contribute a fair amount to our budget. I had a student loan which has defaulted. Do you have any suggestions on how I could manage to afford to quit work, to go back to school. Please note that my budget only consist of utilities, food, gasoline, household shopping and nothing more. And my income is very much needed.

richmama answers:

If you need your income don’t expect to be able to quit work. It’s not reasonable or feasible especially in a time where student loans are getting very picky, choosing only people who can pay, and will likely not look favorably on your default loan.

You will likely just have to school part time in addition to your work, which will be hard, but not impossible as plenty of people have done that before you, and some went full time with full time work.

You should consider going to a community college, you will get federal help, and possibly state waivers for your tuition.

Paul asks…

true && false answers.. help if u can. thank u?

True/False
please help me by answering true or false.. thank u

16. Imaginary scenarios are of little use in helping you define your real-world values.
True
False

17. Your lifestyle values are useful in helping you target your career choices.
True
False

18. Serious online personality tests that are based on social-science theories are easier to find than “just for fun” tests.
True
False

19. How much time you spend with hobbies and friends are two important elements of your intrinsic career values.
True
False

20. It is shallow and useless in career planning to even consider what you would like to wear to work.
True
False

21. If you want to live in the same place you live now, it is easier to figure out housing costs than if you want to move.
True
False

22. Budget experts suggest using research rather than your own knowledge to help put together a budget.
True
False

23. The services that keep household appliances running are called utilities.
True
False

24. Friends and family are often handy sources of valuable information about costs of living.
True
False

25. Insurance is intended to protect you against major financial setbacks.
True
False

richmama answers:

False–imaginary scenarios cud just b realistic but havnt happened
True
False
True
False–making good impressions is important
True??
???
True
True

Hope the helps, but was that for a survey or are there actual answers to these?

Mark asks…

Did you know that Obama is planning to tax the working class to give to the rich and politically connected?

Barack Obama’s Cap and Trade is a Tax on the working class

Who Pays for Cap and Trade? Hint: They were promised a tax cut during the Obama campaign.

http://online.wsj.com/article/SB123655590609066021.html

-snip

Politicians love cap and trade because they can claim to be taxing “polluters,” not workers. Hardly. Once the government creates a scarce new commodity — in this case the right to emit carbon — and then mandates that businesses buy it, the costs would inevitably be passed on to all consumers in the form of higher prices. Stating the obvious, Peter Orszag — now Mr. Obama’s budget director — told Congress last year that “Those price increases are essential to the success of a cap-and-trade program.”

Hit hardest would be the “95% of working families” Mr. Obama keeps mentioning, usually omitting that his no-new-taxes pledge comes with the caveat “unless you use energy.” Putting a price on carbon is regressive by definition because poor and middle-income households spend more of their paychecks on things like gas to drive to work, groceries or home heating.

The Congressional Budget Office — Mr. Orszag’s former roost — estimates that the price hikes from a 15% cut in emissions would cost the average household in the bottom-income quintile about 3.3% of its after-tax income every year. That’s about $680, not including the costs of reduced employment and output. The three middle quintiles would see their paychecks cut between $880 and $1,500, or 2.9% to 2.7% of income. The rich would pay 1.7%. Cap and trade is the ideal policy for every Beltway analyst who thinks the tax code is too progressive (all five of them).

But the greatest inequities are geographic and would be imposed on the parts of the U.S. that rely most on manufacturing or fossil fuels — particularly coal, which generates most power in the Midwest, Southern and Plains states. It’s no coincidence that the liberals most invested in cap and trade — Barbara Boxer, Henry Waxman, Ed Markey — come from California or the Northeast.

Coal provides more than half of U.S. electricity, and 25 states get more than 50% of their electricity from conventional coal-fired generation. In Ohio, it totals 86%, according to the Energy Information Administration. Ratepayers in Indiana (94%), Missouri (85%), New Mexico (80%), Pennsylvania (56%), West Virginia (98%) and Wyoming (95%) are going to get soaked.

-snip

Led by Michigan’s Debbie Stabenow, 15 Senate Democrats have already formed a “gang” demanding that “consumers and workers in all regions of the U.S. are protected from undue hardship.” In practice, this would mean corporate welfare for carbon-heavy businesses.

And of course Congress is its own “stakeholder.” An economy-wide tax under the cover of saving the environment is the best political moneymaker since the income tax. Obama officials are already telling the press, sotto voce, that climate revenues might fund universal health care and other new social spending. No doubt they would, and when they did Mr. Obama’s cap-and-trade rebates would become even smaller.

Cap and trade, in other words, is a scheme to redistribute income and wealth — but in a very curious way. It takes from the working class and gives to the affluent; takes from Miami, Ohio, and gives to Miami, Florida; and takes from an industrial America that is already struggling and gives to rich Silicon Valley and Wall Street “green tech” investors who know how to leverage the political class.
“Did you know that Sen. McCain proposed the same plan?”

Yes, I am and was fully aware of that

“I wonder if the Right would be ranting and raving over it.”

We would and did.

“Rather than overwrought and unsupported claims why don’t the Right propose ALTERNATIVE SOLUTIONS?”

We are. You should be dealing with what the article tells you instead of pointing fingers at McCain and Republicans. What McCain once proposed and the Republicans actions are irrelevant. What Obama is doing or planning to do, since he is in the White house right now, is relevant. Try to deal with something thats relevant.
“You people wanted a free market solution that made the businesses in control. They are.”

Thats news. Seems that government has its hand in everything now.
“However, we can avoid this tax by making our carbon footprint smaller – which somehow the questioner didn’t take in to account.”

I didnt take it into account because I dont want to make it smaller. Making it smaller entails changing my behavior and/or the products I buy. I like the freedom of doing as I please without being forced to change via cap and trade taxes.

“And, the same people who either pay the “tax” or cut their carbon use, also benefit: cleaner air,”

Cleaner air isnt going to happen.

http://www.businessgreen.com/business-green/news/2213702/europe-cap-trade-scheme-hand

http://www.financialpost.com/story.html?id=96dc23c8-33e2-45c4-bf6a-14aba852d764

“slowing of global warming”

Global warming is a fraud. We humans do not have any control over it.

“lower prices on low-carbon energy”

No, HIGHER prices on low carbon energy.
“And, with a federal mandate existing, capitalists will have the political and economic groundwork to invest in carbon neutral (or better) manufacturing and power generation.”

They already have the “political and economic groundwork to invest in carbon neutral (or better) manufacturing and power generation”. Its called freedom. A government mandate forcing them to do so is costly and disasterous.
Still waiting for any Obama liberals to deal with the information contained within the article.

***crickets***

Oh come on, liberals. You all hold yourselves up as the big protecters of the little guy, the poor, the working class. Yet here is a piece of legislation that will cost them big time, Obama will hurt them big time, and you’re absolutely silent.

***crickets***

Bueller? Bueller? Bueller?

***crickets***

richmama answers:

This is a terrific report and response to critique. Well-rounded, well-researched, and most informative. Thanks for your efforts!

Steven asks…

Is my wife lazy, rude, and disrespectful?

I work near 50 hours a week and I commute about an hour per day because my wife wanted to be 10 min from her work. I make about 50k.We have one 1 year old daughter and a 3 year old son. My wife works part-time and goes to school online. She works 20 hours a week at $13 an hour. We have a babysitter for the time she is at work for about 3-4 hours per day.

I do all the kitchen duties (counters, cooking, dishes, sweeping, and mopping). It’s a lot everyday after 10 hours at work for a family of 4. I do all the finances and budgeting, but even if I make a budget, she spends OVER and she always use up every dime eating out and new clothes for herself and toys for the kids (and I have over $900/mo budgeted for savings). She insists and screams and fights if she doesn’t get a new car every two years since we were married.

She hates ALL vegetables (including onions) so we can never eat the same meal at home. If its not pizza, pasta, bread, desert, in a box, or fast food, she doesn’t eat it or make it. Trust me this costs more when everyone has to eat a separate meal. Now the kids see her style of eating and mimic it.

I also take out all the garbage and always take back the bin from the street. I mow all the grass. I clean the bathrooms. She is ONLY responsible for the laundry. The problem is she never does it, or if she washes it, it she doesn’t put it in the dryer and it stinks. Or she takes it from the dryer until there is a mountain of wrinkled clothes in a pile for MONTHS. No folding or putting away. I come home and house is FILTHY every day. All the kids toys and little pieces are everywhere. Clothes and diapers all over the floor. Trash everywhere. Her car is FILTHY inside. Mine is practically brand new inside. Every dish, utensil, glass, bowl, pot and pan has been used left out (usually with dried on oatmeal or ketchup) (or the fast food trash is everywhere).

Makeup containers, hair rollers, trash all over the bathroom. She says she HAS to change clothes 5 times a day (did I say there are her clothes/shoes everywhere?) She needs an outfit for work, home, going out, lounging around, and one for bed. This is why we have a laundry problem. Meanwhile, I have to go to my professional job with wrinkled dirty clothes worn for the 3rd day.

When I ask her to kindly help out or pick up, she gets defensive. She takes naps instead of studying or working or cleaning. She goes out to the bars twice a week without me to “sing karaoke” because she “loves to sing.” She calls me a jerk (among other non-pleasantries) for asking her to help with chores. She screams and threatens to take the kids and go to her parents. She won’t sleep in the same bed as me. She tells me I’m not her father and can’t tell her what to do. Every word to me is demeaning, belittling, or trivializing any wants or needs I may have. She looks at me with spite and disgust. She says my needs are not important. After saying all this every day she says I’m the worst person she ever met and all I do is complain and whine. I sincerely, honestly, just ask her to pull her weight and help me out a little. I might as well be the devil when I ask her this.

I don’t know whether she has personality defects/mental issues, she was raised this way, or what. My kids are the best thing in the world. I love them to death. I came from a divorced household and I know how much that hurts kids. I would have left if it weren’t for them. Are there any Christians Solutions? What should I do? continue to work and suffer? Continue to love while being rejected? I’m at a loss. Please help.

richmama answers:

There’s only one major solution at the moment, major marriage counseling.

If i lived in that situation, i’d put my own pay checks into an account she cannot touch. Savings as well as checking. I’d give her an allowance, if she’s not responsible enough to manage money properly and be an adult in the relationship, then she should not have access to the accounts.

Next, i’d start throwing things away. Oh yes, i have actually done this. When people do not pull their weight in my house hold, kids alike, then the things they want are GONE. No longer a problem for me.

Curlers and clothing would be GONE. I’m not joking. Toys, would be GONE. You can do the thing that many do. Bag them up and take them to your parents, to storage or work and keep them for a week. Hopefully they will learn their lessons.

There will be little in the way of cleaning for you when all of it is gone. Oh, and i’ve done this next thing as well. Actually my aunt thought of this next one and i followed her lead. She left one glass, one spoon, one fork, one plate and one bowl for each person. She went to good will and bought different colors. When that person wanted to eat, they needed to clean their dish for it. She also bought different colored towels and a rack to put them on. One towel for each person.. That’s it. One towel per week, let it dry in between times.

Your wife is acting like a child. This is not a life partner. My parents stayed together and i can say this. I honestly begged them to divorce. I was miserable in that home. In a home that is racked with anger and hostilities, it’s no happier than living in a divorced home. It wasn’t until my brothers (who are much much younger than me) were teenagers when they finally divorced. All was happy about it. Finally is all we could say. It was miserable. I thought of suicide daily just to get out of the home. I finally left when i was 16 and never went back.

So, staying home doesn’t always make life better for the kids. In fact, they are learning how to treat a spouse.. Following in their mother’s foot steps and they know there is no consequence. They also are learning to treat a spouse like a slave with no benefits even.

She needs psychotherapy as well as marriage counseling, but hopefully you can get the marriage counselor to explain that to her and bring it up instead of you. Seriously, she’s acting like a spoiled child and that’s a mental defect. She needs to know why she is doing such a thing.

My mother treated my father horribly as well. Growing up that way is not an excuse and i would NEVER consider treating a spouse of mine in that manner. It’s not an excuse! There is no excuse.

Best of luck!!!

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