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Car Forum / Chrysler Cars / December 2004

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Cost of Chrysler financing

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John Bartley  I solved my XP problems w/ Service Pack Linux - 28 Nov 2004 22:18 GMT
Anyone know what APR, points and fees Chrysler financing is charging
these days?

Looking at buying an $11,000 2005 PT Cruiser (stick, *no* accessories)
with $4,000 down. Costco is offering 3.25% and up with zero points and
fees, which seems pretty good.

For reference, I am willing to ignore pressure from the sales droids
and other assorted ripoff specialists for useless trivia like
'undercoating'.

However, Chrysler is giving an extra $1,000 for financing through
them. Reducing the financed amount to $6,000 cuts the payments and the
net cost of the loan nicely, even if they have a higher rate....

but, what rates is Chrysler charging, what fees and points do they
tack on?
Art - 29 Nov 2004 01:35 GMT
Check the ads in your local Sunday newspaper or www.chrysler.com

"John Bartley I solved my XP problems w/ Service Pack Linux"
<johnbartley@email.com> wrote in message
news:f90c7f43.0411281418.31e68c6b@posting.google.com...
> Anyone know what APR, points and fees Chrysler financing is charging
> these days?
[quoted text clipped - 13 lines]
> but, what rates is Chrysler charging, what fees and points do they
> tack on?
no.one@no.gov - 29 Nov 2004 18:05 GMT
>Check the ads in your local Sunday newspaper or www.chrysler.com

I did. Paper doesn't have, even in the fine print.  Website requires IE
(security risk).

Again, I ask: What rates have folks recently found?
SRG - 29 Nov 2004 18:30 GMT
A lot of times the rate is determined by your credit rating.....

> On Mon, 29 Nov 2004 01:35:20 GMT, "Art"
> <begunaNOSPAMPLEASE@mindspring.com>
[quoted text clipped - 6 lines]
>
> Again, I ask: What rates have folks recently found?
Art - 30 Nov 2004 02:46 GMT
Zero percent if you qualify.

> On Mon, 29 Nov 2004 01:35:20 GMT, "Art"
> <begunaNOSPAMPLEASE@mindspring.com>
[quoted text clipped - 6 lines]
>
> Again, I ask: What rates have folks recently found?
Percival P. Cassidy - 30 Nov 2004 15:01 GMT
But even zero percent financing "costs": it costs you the rebate that
you would get if you paid cash.

Perce

On 11/29/04 09:46 pm Art tossed the following fistful of bytes into the
ever-growing pot of cybersoup:

> Zero percent if you qualify.
Ted Mittelstaedt - 02 Dec 2004 07:09 GMT
> But even zero percent financing "costs": it costs you the rebate that
> you would get if you paid cash.

Actually, it costs you a hell of a lot more than that.

If you save up the $11,000 over 3 years (which you should be able to
to do if a credit report on you claims you can support an $11,000
car financed over 3 years) then not only do you get the 'rebate'
but you get all the interest income you have earned on that money
while it was sitting in the bank.

But, I forgot, it's no longer fashionable to spend within your means.
Our Great Leader what we just reelected showed us that with
the deficit exploder I mean tax cut, so it must be true.

Ted
Peter A. Stavrakoglou - 02 Dec 2004 11:07 GMT
>> But even zero percent financing "costs": it costs you the rebate that
>> you would get if you paid cash.
[quoted text clipped - 12 lines]
>
> Ted

You can always return your tax cut.
Art - 02 Dec 2004 14:23 GMT
It's the leader he would like to return.

>>> But even zero percent financing "costs": it costs you the rebate that
>>> you would get if you paid cash.
[quoted text clipped - 14 lines]
>
> You can always return your tax cut.
Dan Larsen - 02 Dec 2004 15:33 GMT
>>> But even zero percent financing "costs": it costs you the rebate that
>>> you would get if you paid cash.
[quoted text clipped - 14 lines]
>
>You can always return your tax cut.

         You should send it to your local FOP lodge, as a donation, in
recompense for your hatred of cops.

God Bless,
Dan'L

("If I'm going to reach out to the the Democrats then I need a third
hand.There's no way I'm letting go of my wallet or my gun while they're
around.")
Ted Mittelstaedt - 06 Dec 2004 09:13 GMT
> >>> But even zero percent financing "costs": it costs you the rebate that
> >>> you would get if you paid cash.
[quoted text clipped - 17 lines]
>           You should send it to your local FOP lodge, as a donation, in
> recompense for your hatred of cops.

The local cops already wrote me enough tickets to more than make up for it.

Hmm - now maybe I just hit on something, so THAT is the secret way that
the Bush administration is funding the local governments.

I get it now.  Cut federal taxes, then cut payments to the local governments
as a result they go run up the local extraction fees (property taxes, fines,
etc.) and the result is your tax burden is unchanged but now you have just
added
a whole bunch of extra cops to the local police who do nothing other than
write speeding tickets to keep the local coffers full.

So THAT is how they are getting away with claiming to have put 10,000 more
policeman on the streets.  Too bad they don't seem to have any impact on
the property crime, violent crime, and murder rates.  Too busy extracting
that
tax cut I guess.

Ted
Ted Mittelstaedt - 06 Dec 2004 09:17 GMT
> You can always return your tax cut.

I'll tell you what I have a better idea.  How about actually cutting
spending so
that the tax cut is paid for?

You conservatives love to talk the talk about how much money your
saving us with these tax cuts.  Too bad you wuss out when it comes to
actually cutting spending.

Since your in control of congress now I feel bad for you, you don't have
the excuse anymore that it's the liberals fault that you can't cut spending.
I eagerly await the spending cuts over the next 4 years that are going to
balance
the budget.  Let's see if you don't puss out the next 4 years again.

Ted
Matt Whiting - 06 Dec 2004 22:53 GMT
>>You can always return your tax cut.
>
[quoted text clipped - 5 lines]
> saving us with these tax cuts.  Too bad you wuss out when it comes to
> actually cutting spending.

Yes, unfortunately, liberals won't vote for you if you cut back on their
"entitlements."

Matt
Art - 07 Dec 2004 04:22 GMT
What entitlements are you referring too.  Here's a few...

From MSNBC:

"Taxpayers for Common Sense, a bipartisan group favoring less federal
spending, said it found 11,772 projects worth $15.8 billion.
Projects included:

 a.. $335,000 to protect sunflowers in North Dakota from blackbird damage.
 b.. $60 million for a new courthouse in Las Cruces, N.M.
 c.. $225,000 to study catfish genomes at Alabama's Auburn University.
 d.. A potential boon for Bush himself, $2 million for the government to
try buying back the former presidential yacht Sequoia. The boat was sold
three decades ago, and its current owners say the yacht is assessed at $9.8
million and are distressed by the provision.
"

>>>You can always return your tax cut.
>>
[quoted text clipped - 10 lines]
>
> Matt
Ted Mittelstaedt - 07 Dec 2004 09:50 GMT
> >>You can always return your tax cut.
> >
[quoted text clipped - 8 lines]
> Yes, unfortunately, liberals won't vote for you if you cut back on their
> "entitlements."

Hell-lo, is there empty air in that head or what?  you WON the election ya
idiots!  Are we going to hear another 4 years of whining that "oh we have
both houses of congress and we got to stuff the Supreme court with our
lackeys but po lil us we just can't do anything because of those nasty
liberals"

If so, I guess on the bright side since your friends are CHOOSING to be
helpless then you will be too busy whining that you won't have much chance
to f.ck up the country.

You conservatives have been claiming since the Vietnam War that you could do
a better job of running the country than us liberals.  Well, now is your
chance to
prove it.  Iffin 4 years from now we still have no balanced budget - and it
was your party that was campaigning for the balanced budget amendment
a few years ago, mind - then it will be obvious even to a blind monkey you
have been full of sh.t all along, and your going to initiate the end of the
consrvative swing in the US, and by 2010 we are going to have gay marriage,
an end of government funding of religious schools (aka vouchers) and
all the other things that make you wake up scared in the night.

It's your choice, are you going to be a party of whiners or a party of
doers?

Ted
Peter A. Stavrakoglou - 07 Dec 2004 11:10 GMT
>> >>You can always return your tax cut.
>> >
[quoted text clipped - 38 lines]
>
> Ted

I think your underwear is on too tight.
Geoff - 07 Dec 2004 15:31 GMT
> Date: Tue, 7 Dec 2004 06:10:41 -0500
> From: Peter A. Stavrakoglou <ntotrr@optonline.net>
[quoted text clipped - 6 lines]
> >> > spending so
> >> > that the tax cut is paid for?

Doublespeak.  One does not "pay for" a reduction in income.  One *might*
"reduce spending", or choose to engage in deficit spending.  You see,
"paying for" implies that the government is "giving" us something.  It is not.

It is being forced, by law, to not *take* as much of what is rightfully
OURS *from* us.  Not that this is a distinction that you'll be able to understand, Ted.

> >> > You conservatives love to talk the talk about how much money your
> >> > saving us with these tax cuts.  Too bad you wuss out when it comes to
> >> > actually cutting spending.

No, conservatives love to talk about the amount of their *own money*
they get to keep, as compared to what would otherwise be if you
socialists were in power.  I love my tax cut; I went down an entire
bracket.  I want ANOTHER tax cut, an even larger one.  I'd like to see
my federal income tax somewhere around 5-10%, and my FICA eliminated.

> >> Yes, unfortunately, liberals won't vote for you if you cut back on their
> >> "entitlements."
[quoted text clipped - 4 lines]
> > lackeys but po lil us we just can't do anything because of those nasty
> > liberals"

Republican != conservative, although conservative Republicans are the
majority

Democrat != socialist, although socialist Democrats are the majority

Liberal = socialist, every single time.

Another fine-line distinction that will doubtless go over your head,
Ted.

> > If so, I guess on the bright side since your friends are CHOOSING to be
> > helpless then you will be too busy whining that you won't have much chance
[quoted text clipped - 3 lines]
> > do
> > a better job of running the country than us liberals.

Trained monkeys could do a better job than you socialists did. Oh, wait
a minute, Bill Clinton WAS a trained monkey!

Well, now is your
> > chance to
> > prove it.  Iffin 4 years from now we still have no balanced budget

Who says that a "balanced budget" is a goal of today's conservatives?  A
"balanced budget" is a canard, a red herring, a vaporware goal.  Nobody
who's ever had a mortgage has had a "balanced budget".  "Deficit
spending" is a commonly-accepted means to an end, and it is workable and
manageable.  Don't give me this "balanced budget" hooey.  I couldn't
honestly care *less* whether or not the budget is "balanced."

- and
> > it
> > was your party that was campaigning for the balanced budget amendment
> > a few years ago, mind -

If so, it was misguided, and probably an attempt to reign you
socialists in.

Fortunately, we were able to do so without amending the Constitution
that time.  Regardless, if amending the Constitution is what it takes
the next time, we'll likely pull it off.

then it will be obvious even to a blind monkey you
> > have been full of sh.t all along, and your going to initiate the end of
> > the
> > consrvative swing in the US, and by 2010 we are going to have gay
> > marriage,
> > an end of government funding of religious schools (aka vouchers) and
> > all the other things that make you wake up scared in the night.

The conservative swing in the US is just getting under way, Ted.  We're
only 10 years in, and if the pattern repeats, there's 30 more to go.
By the time we're done, there won't BE any liberals as currently
defined.  Heh!  I can't wait until all the socialist hippies from the 60s are DEAD!  :-)

> > It's your choice, are you going to be a party of whiners or a party of
> > doers?
> >
> > Ted
>
> I think your underwear is on too tight.

I think he's right.  Funny, I didn't think you socialists even wore
underwear.

--Geoff
Peter A. Stavrakoglou - 08 Dec 2004 01:16 GMT
>> Date: Tue, 7 Dec 2004 06:10:41 -0500
>> From: Peter A. Stavrakoglou <ntotrr@optonline.net>
[quoted text clipped - 110 lines]
>
> --Geoff

Never heard of the government subsidized underwear program? :)
Ted Mittelstaedt - 08 Dec 2004 10:07 GMT
> > >> > I'll tell you what I have a better idea.  How about actually cutting
> > >> > spending so
[quoted text clipped - 6 lines]
> It is being forced, by law, to not *take* as much of what is rightfully
> OURS *from* us.  Not that this is a distinction that you'll be able to understand, Ted.

I understand this but it really has no bearing on anything.  If you want to
play these kinds of games then I'll remind you that WE the people CHOSE the
representatives and government officials that created the government
programs
that the government spends money on.  WE approved these programs and
WE are responsible for paying for them.  WE chose to spend our money on
everything from Social Security to buying the Sequoia yacht

Where I am annoyed is that while I may be responsible for choosing to spend
my money on these programs - via taxes -  unlike you I happen to want the
expenditures on these programs cut down to the point that the government
isn't deficit spending to pay for them.

Choosing to engage in deficit spending - is that how you put it - is not a
viable
long term method of funding anything.  I suggest if you think so that you
quit your
job and run all your credit cards up to the maximum and see what happens.

I am perfectly willing to go with a reduction in many of the programs in
order
to produce a surplus so that we can have a big tax cut, this is as
responsible
a fiscal policy as the previous one was, as both result in a balanced
budget.

I am not willing to see even more spending and increases in programs
at the same time as a big tax cut, as not only is it first of all
irresponsible to
increase the spending in the first place, since no money was budgeted for
it to begin with, and second of all it is irresponsible to cut taxes without
cutting spending so the budget stays balanced.

You apparently seem to think it is OK to increase spending when there is
no money to support it.  I don't.  Returning my tax cut doesen't solve
anything
because I didn't want to see the increased spending to begin with.  Why
support it with more tax money?

> No, conservatives love to talk about the amount of their *own money*
> they get to keep, as compared to what would otherwise be if you
> socialists were in power.  I love my tax cut; I went down an entire
> bracket.  I want ANOTHER tax cut, an even larger one.  I'd like to see
> my federal income tax somewhere around 5-10%, and my FICA eliminated.

Good, no problem with that - as long as you are perfectly willing to cut the
spending in accordance.  If you are willing to give up your Social Security,
and
you are willing to stop throwing money into trying to prosecute doctors that
are following state law, then no problem - let's see, how much is it going
to
cost us when John Asscroft on his way out the door filed a court challenge
of
Oregon's D.w.D?

> Republican != conservative, although conservative Republicans are the
> majority
>
> Democrat != socialist, although socialist Democrats are the majority
>
> Liberal = socialist, every single time.

Explain how support of stem cell research is socialist, this ought to be
good...

> > > You conservatives have been claiming since the Vietnam War that you could
> > > do
> > > a better job of running the country than us liberals.
>
> Trained monkeys could do a better job than you socialists did. Oh, wait
> a minute, Bill Clinton WAS a trained monkey!

Great, then the Republicans in control of the government don't have to work
very hard to make the grade.

>  Well, now is your
> > > chance to
[quoted text clipped - 3 lines]
> "balanced budget" is a canard, a red herring, a vaporware goal.  Nobody
> who's ever had a mortgage has had a "balanced budget".

A mortgage is nothing like what the US government is doing today.  When the
US government's budget was balanced back in the late 90's, at that time
a portion of the budget was going into paying interest and principle on
the national debt.  (mostly interest)  This was equivalent to a household
that maintains a mortgage on a balanced budget.

Today, the US government is STILL paying interest on the national debt,
AND they are ADDING to it.  The situation is equivalent to a household
that had a mortgage that they were successfully paying the monthly payments
on, suddenly going on a home buying spree and buying a new home a
month, and assuming yet another mortgage every month.  It is in short, a
giant Ponzi scheme.

>  "Deficit
> spending" is a commonly-accepted means to an end,

means-to-an-end do you really know what that phrase actually means?
Ever wonder about that small word "end" that is a part of it?

What end are you talking about.  I see no end in sight.  And if we
ever do get to an end, who is going to pay the national debt that we have
run up?

Bush cut taxes in year 2000.  The economy did not pick up as a
result, it's been FOUR YEARS and we still aren't creating enough jobs
for simple growth.  Tax cutting did nothing to stimulate any economic
growth so I don't see that it did anything to reach any kind of end.

And you think your better off with that tax money?  Well let me tell you
this - in 1999, before any tax cutting, I personally was in an industry
where there was a shortage of workers, and if I had wanted to make
more money I could have walked out of my job and within a month
had another one in my industry that paid me more.

Today, well I'm still in that industry, still working that job, still making
the same money I was in 1999.  But, what has changed is that now
the depression has destroyed most of the other positions that were out
there, and there's a glut of workers in my industry.  So I can no longer
go out and just move to another employer and get a big raise as a
result.  So on one hand I have a tax cut, on the other I don't have any
leverage when review time comes round to demand more money.
And prices have gone up in the last 5 years, too.  Overall I would have
been better off with a healthy job market and no tax cut, than what
we have now which is a tax cut and a crappy job market.  And most
other professional people I know are the same way.  Wages simply
do not rise very fast when there's an oversupply of workers in the
market, that is basic supply and demand.

> and it is workable and
> manageable.  Don't give me this "balanced budget" hooey.  I couldn't
> honestly care *less* whether or not the budget is "balanced."

Well, thanks at least for proving to everyone that you are a complete fool.
For
an explanation as to why this kind of economic system is impossible, refer
to
"Economics and Politics in the Weimar Republic" by Theo Balderston.

>  - and
> > > it
[quoted text clipped - 3 lines]
> If so, it was misguided, and probably an attempt to reign you
> socialists in.

What a recommendation for political advice - you don't even know
obvious things about political history and you think you know what's
going on?  Unbelievable.

> Fortunately, we were able to do so without amending the Constitution
> that time.  Regardless, if amending the Constitution is what it takes
> the next time, we'll likely pull it off.

Please do.  I would love an amendment requiring a blanced budget.

>  then it will be obvious even to a blind monkey you
> > > have been full of sh.t all along, and your going to initiate the end of
[quoted text clipped - 8 lines]
> By the time we're done, there won't BE any liberals as currently
> defined.  Heh!  I can't wait until all the socialist hippies from the 60s are DEAD!  :-)

The conservative swing started in 1980 with the election of Ronald Reagan.
What happened with President Carter's handling of the Iran hostage incident
was the end result of many years of political correctness, and how this kind
of thing could be driven to an extreme.  The American public realized then
that, Sorry, when bad people do bad things, innocent people are going to
get killed when you take the steps to punish the bad people, and there's
nothing
that can be done about it.

The Iran hostage situation was probably the most collosal mishandling of
hostage taking that has happened since WWII.  The number of subsequent
people who have died simply because mid east terrorists decided as a
result of this that taking hostages was a profitable endeavor, surely dwarfs
the number of hostages in the American Embassy.  This event crystalized
how misguided an untraliberal approach is in government, and started the
pendulum swinging to the conservative side.

On reflection, I really feel sorry for you.  Quite obviously you are either
young
and have had a piss-poor education, or you are older and just plain ignorant
and happy to be so.  You simply cannot understand politics without
understanding
political history, and you don't even understand that.

The conservative swing is getting very close to the end.  I give it maybe 10
years
more, tops.  What has happened is that now the conservatives have finally
gotten
what they have been fighting for since 1980, - control of the executive and
legislative branches of the federal government.  The smarter people in the
conservative
movement know that now is a very delicate time, it is crucial to tread
carefully
so as not to provoke a backlash.  But, as has always happened in American
political
history, the radical elements in the party who have been pouring
their blood sweat and tears into pushing the movement, now they finally got
what
they want and they are going to run hog-wild.  The same thing happened with
President Carter when he booted Ford out of office.  The idiot ultraliberals
in the
Democratic party wern't restrained and Carter got booted.

Ted
Bill Putney - 08 Dec 2004 23:39 GMT
>>Liberal = socialist, every single time.
>
> Explain how support of stem cell research is socialist, this ought to be
> good...

The libs are believing their own lie - one of the many, many, many
factors that cost them credibility and the election.  You are falling
into the trap of thinking that conservatives, including GWB, is against
funding (federal gov't and otherwise) of stem cell research.  Fact is,
it is funded (federal gov't and otherwise), and GWB supports it.  You
are intentionally confusing the very dead-end fetal stem cell research
(as in very little if any return on investment) with the very beneficial
and  broader category of (non-fetal) stem cell research).  Christopher
Reeve's widow and Ronald Reagan's son (and the entire Democratic Party)
were FOS on that issue, and most Americans knew it, thanks to some
honest reporting on the issue.

> What end are you talking about.  I see no end in sight.  And if we
> ever do get to an end, who is going to pay the national debt that we have
[quoted text clipped - 4 lines]
> for simple growth.  Tax cutting did nothing to stimulate any economic
> growth so I don't see that it did anything to reach any kind of end.

Even if that were true (and it isn't), was there anything else going on
in the last four years that could have had a negative effect on things?
 Gee - I'll have to stop and think real hard to answer that one.  I
know there was something, but I just can't think of it.  Let's see -
what could it be...?

(BTW - I too believe in a balanced budget)

Bill Putney
(To reply by e-mail, replace the last letter of the alphabet in my
adddress with the letter 'x')
Peter A. Stavrakoglou - 09 Dec 2004 00:06 GMT
>>>Liberal = socialist, every single time.
>>
[quoted text clipped - 27 lines]
> was something, but I just can't think of it.  Let's see - what could it
> be...?

Don't forget what went on in the eight years previous to GWB's first term -
the decimating of the military by Bill "I loathe the military" Clinton.
Rebuilding the military costs money, lots of it.

> (BTW - I too believe in a balanced budget)
>
> Bill Putney
> (To reply by e-mail, replace the last letter of the alphabet in my
> adddress with the letter 'x')
Art - 09 Dec 2004 01:28 GMT
I have no strong opinion one way or the other on stem cell research but it
seems to me a bit crazy to be against it when thousands of embryos are
destroyed every year during artificial insemination procedures.  Or don't
the right wingers know that.

>>>Liberal = socialist, every single time.
>>
[quoted text clipped - 33 lines]
> (To reply by e-mail, replace the last letter of the alphabet in my
> adddress with the letter 'x')
Bill Putney - 09 Dec 2004 23:27 GMT
> I have no strong opinion one way or the other on stem cell research but it
> seems to me a bit crazy to be against it when thousands of embryos are
> destroyed every year during artificial insemination procedures.  Or don't
> the right wingers know that.

Well, no.  What would really be crazy would be to spend a lot of effort
and money on something that holds, at best, very little promise, when
the non-embryonic stem cell research is where the results are.  Why
divert resources away from things that offer benefits (and I don't mean
just non-embryonic stem cell research) to something that offers no bang
for the buck.

Face it, Art: The distortions about stem cell research were simply a
vehicle for the Dems to come up with anything to attack Bush.  If there
had been anything genuine to it, Dan Rather would not have been so eager
to try to legitimize yet another red herring like he did.  The fact that
the distinction between embryonic and non-embryonic research was so
carelessly but intentionally blurred by your liberal buds made it pretty
obvious.  But please - do all you can to make sure it is a major issue
for the Dems to run on again in '08.  M. Moore and G. Soros would make
excellent spokesmen for the cause once again.

Let's let the state of CA report back in a few years on the medical
breakthoughs resulting from their stem cell initiative.

Bill Putney
(To reply by e-mail, replace the last letter of the alphabet in my
adddress with the letter 'x')
SRG - 10 Dec 2004 18:44 GMT
You guys crack me up, here is this financing thread, and Im reading about
stem cell research, we Chrysler finantics are certainly well-versed in
EVERYTHING!!!
LMAO

SRG

>> I have no strong opinion one way or the other on stem cell research but
>> it seems to me a bit crazy to be against it when thousands of embryos are
[quoted text clipped - 24 lines]
> (To reply by e-mail, replace the last letter of the alphabet in my
> adddress with the letter 'x')
Nate Nagel - 08 Dec 2004 22:54 GMT
>  Well, now is your
>
[quoted text clipped - 7 lines]
> manageable.  Don't give me this "balanced budget" hooey.  I couldn't
> honestly care *less* whether or not the budget is "balanced."

Really?  I do.  I don't want to see even more of my tax dollars being
spent on paying interest on old loans, I'd prefer to see it doing
something useful.

You obviously don't understand how a mortgage works, either.  It's a
secured loan, with the house being used as the security.  A person
generally takes out a mortgage to buy a house or other dwelling simply
because he can't, or prefers not to for whatever reason, scrape together
enough cash to pay for it all in one lump sum.  He still needs to make
the regular payments in full and on time, however.  The basic difference
between the federal gov't and the average homeowner with a mortage is
this - the homeowner is planning to someday pay off his mortgage and
actually own his place outright.  The federal gov't just keeps on taking
out more and more loans to meet the mortgage payments so it doesn't have
to cut back on all the steak dinners.  It would seem obvious on the face
of it that people would realize that this was a Bad Idea(tm) but nobody
actually seems to want to actually do anything about it.  A good start
would be a balanced budget, so that we don't actually dig ourselves
deeper into a hole.  If we end up with a surplus, so be it.  Pay off
some debts, so that we don't have to spend as much on interest payments
next year.  Then you get a bigger surplus, etc. etc. etc. see how it
works?  Eventually we can then cut taxes *without* deficit spending and
everyone's happy.

"deficit spending" might be a useful short term tool, however, we've
gone far, *far* beyond that.

nate

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Matt Whiting - 07 Dec 2004 22:59 GMT
>>>>You can always return your tax cut.
>>>
[quoted text clipped - 14 lines]
> lackeys but po lil us we just can't do anything because of those nasty
> liberals"

Yes, we won and you need to get over it.  I hear there are support
groups in Florida that may still have some openings.  :-)

> If so, I guess on the bright side since your friends are CHOOSING to be
> helpless then you will be too busy whining that you won't have much chance
[quoted text clipped - 10 lines]
> an end of government funding of religious schools (aka vouchers) and
> all the other things that make you wake up scared in the night.

Ha, ha, ha.  Teddy, Teddy, Teddy, please take your medication.

> It's your choice, are you going to be a party of whiners or a party of
> doers?

A lot will be done, but there is no way to balance the budget and still
do anything, unless major cuts are made to defense, medicare, medicaid
and SS.  And no politician who wants to get re-elected is going to do
this, doesn't matter what the party affiliation.  I know you all think
Clinton was responsible for a balanced budget for a year or two, but the
fact is that he was the lucky recipient of an economic bubble that was
years in the making and about which he had no involvement (other than
partnering up with Gore who we all know invented the internet that
fueled the telecom bubble).

The reality is that the American people have gotten so used to the
hand-outs initiated during the "New Deal", that we'll bankrupt the
country before we go back.  That is today's reality and no politician is
going to change that as they'll get voted out as soon as they do and the
next politician will undo whatever they did.  And this isn't a partisan
issue, it is an American issue.

Matt
Geoff - 02 Dec 2004 13:00 GMT
> Date: Wed, 1 Dec 2004 23:09:53 -0800
> From: Ted Mittelstaedt <tedm@toybox.placo.com>
[quoted text clipped - 17 lines]
>
> Ted

Oh, Ted, I'm so sorry you don't like your tax cut.  Feel free to send it
back in to Washington.  Better yet, send your share to me.  I'll make my
Paypal account available upon request!

--Geoff
Nate Nagel - 03 Dec 2004 02:55 GMT
>>But even zero percent financing "costs": it costs you the rebate that
>>you would get if you paid cash.
[quoted text clipped - 6 lines]
> but you get all the interest income you have earned on that money
> while it was sitting in the bank.

True, but with 0% you can also save the money you would have spent on
interest while you're making your payments.  Whether or not that adds up
to the rebate...?  Also don't forget the opportunity cost of having a
new car now, not three years from now.  For someone with a dying old
clunker who can afford the 0% payments and still live within his/her
means but doesn't have enough $$ on hand to pay cash, that's an
excellent deal.

> But, I forgot, it's no longer fashionable to spend within your means.
> Our Great Leader what we just reelected showed us that with
> the deficit exploder I mean tax cut, so it must be true.

Well, yeah, I have some issues with Bush's financial policy, but that's
a different issue...

nate

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PC Medic - 30 Nov 2004 22:38 GMT
> On Mon, 29 Nov 2004 01:35:20 GMT, "Art"
> <begunaNOSPAMPLEASE@mindspring.com>
[quoted text clipped - 4 lines]
>  Website requires IE
> (security risk).

And your tin-foil hat needs replacing too!
Nate Nagel - 30 Nov 2004 23:43 GMT
>>On Mon, 29 Nov 2004 01:35:20 GMT, "Art"
>><begunaNOSPAMPLEASE@mindspring.com>
[quoted text clipped - 6 lines]
>
> And your tin-foil hat needs replacing too!

Ah, that's an intelligent response.  Any time someone presents an
unpopular opinion, no matter how absolutely, unimpeachably valid, accuse
them of being paranoid and the problem will go away.

nate

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PC Medic - 01 Dec 2004 00:50 GMT
>>>On Mon, 29 Nov 2004 01:35:20 GMT, "Art"
>>><begunaNOSPAMPLEASE@mindspring.com>
[quoted text clipped - 10 lines]
> unpopular opinion, no matter how absolutely, unimpeachably valid, accuse
> them of being paranoid and the problem will go away.

More intelligent than blaming IE every time someone gets a virus or spyware.
IE is only a risk if you let it become one.
And no I am not an IE fan , but do use it regularly on several of my Windows
boxes and in all the years I have been on the internet I can count my
Trojans/viruses on one finger.

Back to our regularly scheduled topic.....
Nate Nagel - 03 Dec 2004 02:56 GMT
>>>>On Mon, 29 Nov 2004 01:35:20 GMT, "Art"
>>>><begunaNOSPAMPLEASE@mindspring.com>
[quoted text clipped - 18 lines]
>
> Back to our regularly scheduled topic.....

For someone who knows nothing about computers (the vast majority of
users,) IE is dangerous IMHO.  and that's my last word on the subject...

nate

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Mike Behnke - 30 Nov 2004 15:16 GMT
0.0% for 36 Months
1.9% for 48
2.9% for 60

 All valid until 11-30.  Better hurry!

John Bartley I solved my XP problems w/ Service Pack Linux wrote:

> Anyone know what APR, points and fees Chrysler financing is charging
> these days?
[quoted text clipped - 13 lines]
> but, what rates is Chrysler charging, what fees and points do they
> tack on?
no.one@no.gov - 30 Nov 2004 18:06 GMT
Points and fees?

>0.0% for 36 Months
>1.9% for 48
[quoted text clipped - 21 lines]
>> but, what rates is Chrysler charging, what fees and points do they
>> tack on?
Geoff - 08 Dec 2004 19:27 GMT
Ted Mittelstaedt wrote:
>  If you want to  play these kinds of games then I'll remind you that WE the people
CHOSE the  representatives and government officials that created the government
> programs > that the government spends money on.  WE approved these programs and
> WE are responsible for paying for them.  WE chose to spend our money
on everything from Social Security to buying the Sequoia yacht

Bzzt!  Wrong.  Basic misunderstanding of the representative republic
form of government.  Also misunderstanding of the concept that one state
doesn't elect another state's representatives.  Nice try, Ted.

> Where I am annoyed is that while I may be responsible for choosing to
spend my money on these programs - via taxes -  unlike you I happen to want
the expenditures on these programs cut down to the point that the
government isn't deficit spending to pay for them.

Hey, I'm all for spending reductions.  Let's cut spending to the bare
minimum specified in the Constitution, for starters, then allow people
to make the case for every expenditure approval that follows.

> Choosing to engage in deficit spending - is that how you put it - is
not a viable long term method of funding anything.  I suggest if you think so that
you quit your job and run all your credit cards up to the maximum and see what
happens.

What a fool.  You somehow seem to think that an individual's finances
are somehow on the same scale as the U.S. government's and get treated
the same by others.

> I am perfectly willing to go with a reduction in many of the programs

MANY of the programs, yep.  Almost all of them, in fact.

in order to produce a surplus so that we can have a big tax cut, this is as
> responsible a fiscal policy as the previous one was, as both result in a balanced
> budget.

See, here's where we differ.  I think surpluses ought to be illegal and
returned forthwith.  Or preferably, not collected in the first place.

> I am not willing to see even more spending and increases in programs
> at the same time as a big tax cut, as not only is it first of all
> irresponsible to  increase the spending in the first place, since no money was budgeted
for
> it to begin with, and second of all it is irresponsible to cut taxes
without
> cutting spending so the budget stays balanced.

So you don't think the President prepares a budget proposal every year
which has to be voted on in Congress, eh?

> You apparently seem to think it is OK to increase spending when there
is
> no money to support it.  I don't.  Returning my tax cut doesen't solve
> anything  because I didn't want to see the increased spending to begin with.
> Why  support it with more tax money?

Weren't you just saying a few 'graphs up that you had agreed to pay via
your elected representatives?  You can't have it both ways, Teddy boy.

Why raise taxes at all, then?

> > No, conservatives love to talk about the amount of their *own money*
> > they get to keep, as compared to what would otherwise be if you
> > socialists were in power.  I love my tax cut; I went down an entire
> > bracket.  I want ANOTHER tax cut, an even larger one.  I'd like to
see
> > my federal income tax somewhere around 5-10%, and my FICA
eliminated.

> Good, no problem with that - as long as you are perfectly willing to
cut the
> spending in accordance.  If you are willing to give up your Social
Security,

Yep

> and you are willing to stop throwing money into trying to prosecute
doctors that  are following state law,

Huh?  You must be talking about the marijuana thing, right?  Smoke up,
Teddy, I couldn't care less.

> Explain how support of stem cell research is socialist, this ought to
be good...

How 'bout YOU explain why the government should do anything that
private enterprise could.

> > > > You conservatives have been claiming since the Vietnam War that
you could do a better job of running the country than us liberals.

> > Trained monkeys could do a better job than you socialists did. Oh,
wait a minute, Bill Clinton WAS a trained monkey!

> Great, then the Republicans in control of the government don't have to
work very hard to make the grade.

Guess what, Ted?  Despite your *best* efforts, your side lost the last
election.  Think the grade hasn't been made yet?

> A mortgage is nothing like what the US government is doing today.
When the US government's budget was balanced back in the late 90's, at that
time a portion of the budget was going into paying interest and principle
on  the national debt.  (mostly interest)  This was equivalent to a
household that maintains a mortgage on a balanced budget.

You reversed yourself within the same paragraph, Ted.
It's not like a mortgage first, then just a few
hundred characters later it is?  Maybe you ARE
smoking something.

But wait, Ted, just a few 'graphs ago, you wanted me to quit my job and
pay for everything on my credit cards, since my personal finances are
comparable to the government's.  Which way is it, now?  Oh, that's
right, whichever way gives you support for your argument.

> >  "Deficit
> > spending" is a commonly-accepted means to an end,
[quoted text clipped - 4 lines]
> What end are you talking about.  I see no end in sight.  And if we
> ever do get to an end, who is going to pay the national debt that we
have
> run up?

Gee, Ted, who paid off the national debt incurred during fighting of
WWII?  Oh, wait a minute, the government was spending money hand over
fist back then, too!  And somehow, the economy survives.  I wonder how,
given that you've posited that a growing national debt is the harbinger
of economic doom?

> Bush cut taxes in year 2000.  The economy did not pick up as a
> result,

Wrong.

it's been FOUR YEARS and we still aren't creating enough jobs
> for simple growth.

Wrong.

 Tax cutting did nothing to stimulate any economic
> growth

Wrong

> so I don't see that it did anything

That's the only truth I can find in this entire paragraph

> And you think your better off with that tax money?

Why, yes.  I go to work to earn it, and I'm far better off when I get to
spend it myself.  Every single time.

>  Well let me tell you this - in 1999, before any tax cutting, I personally was in an
industry where there was a shortage of workers,

Unix sysadmins.  Yeah, tell me about it.  I was an NT sysadmin in '99.
Nice, wasn't it?  Oh yeah, didn't you take a stab at being an author,
too?  (http://www.freebsd-corp-net-guide.com/aboutauthor.html)  Nice
pic, BTW.

and if I had wanted to make
> more money I could have walked out of my job and within a month
> had another one in my industry that paid me more.

Me, too.  Wait a minute...I did walk out, and I had a new job the next
day.  Making about $40K more/year, too.

> Today, well I'm still in that industry, still working that job, still
making
> the same money I was in 1999.

Well, here's the crux of the problem, Ted.  You didn't apply yourself.
You sat back on your laurels.  You did nothing to increase your skills
or your value to potential or current employers.  You stagnated.

Meanwhile, the first graduating classes in the Indian invasion ate your
sandwich for you when you weren't looking.

I, on the other hand, chose not to stagnate.  I chose to improve myself.
I have continued to improve myself, and as a result, I've achieved
permanent employee status (rather than contractor), advanced to a
programmer/analyst position, and have started accruing wealth in the form of a larger home, a 401K, a
pension, a couple of raises...

 But, what has changed is that now
> the depression has destroyed most of the other positions that were out
> there,

It wasn't a depression, it was a recession.  And it was over in 2002.

>  and there's a glut of workers in my industry.

Mmm, no, Ted, there's a decidedly large number of people in the industry
who have failed to advance their skills, and are hoping for the
government to clean up their mess.  Like you, evidently.

So I can no
longer
> go out and just move to another employer and get a big raise as a
> result.

Why would you expect to?  You just told us that your value hasn't
increased since 1999!  And according to your resume, you didn't finish
your degree, which is pretty much a basic requirement in this business.

So on one hand I have a tax cut, on the other I don't have
any
> leverage when review time comes round to demand more money.

Because you were lazy.

> And prices have gone up in the last 5 years, too.

Yeah, so?

> Overall I would have
> been better off with a healthy job market

Overall, you would've been better off if you had applied yourself.

> And most
> other professional people I know are the same way.

Know a lot of lazy people, huh?

Wages simply
> do not rise very fast

...when you do nothing to improve yourself, as you have seen.

> > and it is workable and
> > manageable.  Don't give me this "balanced budget" hooey.  I couldn't
> > honestly care *less* whether or not the budget is "balanced."
>
> Well, thanks at least for proving to everyone that you are a complete
fool.

The guy whining about not getting a raise since 1999 despite the fact
he's done nearly *nothing* to improve himself is calling me a fool? :-)
No wonder you're a Democrat.

> What a recommendation for political advice - you don't even know
> obvious things about political history and you think you know what's
> going on?  Unbelievable.

Gee, Ted, you seem to have a complete misunderstanding of the economics
of your own industry.  What makes you think you understand the national
economy?

> The conservative swing started in 1980 with the election of Ronald
Reagan.

No.  According to this logic, it could've started with Nixon.  Or Ike.

The correct answer is it started in 1994 in the mid-term elections.  Remember the 'Contract with
America'?

> What happened with President Carter's handling of the Iran hostage
incident
> was the end result of many years of political correctness

1979 was at least 4 years before 'political correctness' was even coined
as a term.

>  This event
crystalized
> how misguided an untraliberal approach is in government, and started
the
> pendulum swinging to the conservative side.

Yet you wanted to return us to that approach by electing Kerry?

> On reflection, I really feel sorry for you.

Misery loves company, eh?

> Quite obviously you are either young

We're within a few years of each other

> and have had a piss-poor education,

I got MY degree

> or you are older

No, just wiser and better-educated.

--Geoff
 
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