turtlespeed 221 #26 September 24, 2015 wolfriverjoe******QuoteIt's called capitalism. You don't have to live here. I see... so people who break the law while trying to get into the country can fuck off, but people who object to corporate bosses breaking the law can also fuck off? Hmmm.... In the 2 examples above, it looks like the two "corporate bosses" were found guilty of ...breaking the law! I'm for that. ...and for Capitalism. Looks like the system is working. But, it's a big system and sometimes a corporate law breaker gets away with it. Just like sometimes folks who illegally enter or remain in the country get away with it. The problem is that very, very few corporate executives face any sort of penalty or accountability for what the company does. Like OJ?I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun Quote Share this post Link to post Share on other sites
kallend 2,027 #27 September 24, 2015 turtlespeed*********QuoteIt's called capitalism. You don't have to live here. I see... so people who break the law while trying to get into the country can fuck off, but people who object to corporate bosses breaking the law can also fuck off? Hmmm.... In the 2 examples above, it looks like the two "corporate bosses" were found guilty of ...breaking the law! I'm for that. ...and for Capitalism. Looks like the system is working. But, it's a big system and sometimes a corporate law breaker gets away with it. Just like sometimes folks who illegally enter or remain in the country get away with it. The problem is that very, very few corporate executives face any sort of penalty or accountability for what the company does. Like OJ? Just like OJ, an exec whose company did criminal stuff and who faced no penalty. (I suppose his sentence of nine to 33 years in prison as a convicted felon, currently incarcerated at the Lovelock Correctional Center in Nevada, doesn't count as a penalty)... The only sure way to survive a canopy collision is not to have one. Quote Share this post Link to post Share on other sites
richravizza 28 #28 September 25, 2015 Thanks Ron, What a fresh perspective,too bad Ramsey,isn't a required course for all GRADE SHCOOL GRADs.but High school or a Masters degree in Economic that the minimum. Institutional education of our children from Capitalism to Socialism. This is the way of Their indoctrination,by the Monopoly that is the Public Education System where Choice is reserved for (Wealthy))Party members only. As for the critics of big Beautiful Gov't; The EPA had Nothing to do with the discovery. This was discovered with $50,000 and research by a University. As for the Ethics, Well VW will pay a huge price,individuals, Groups and the State and Fed.Will it Survive? But, Will it Pay? Free market Capitalism and Lady Liberty with scales in hand will decide the Fate of this once great institution. Gotta go need to make some $ to pay the EPA. Quote Share this post Link to post Share on other sites
kallend 2,027 #29 September 25, 2015 richravizzaThanks Ron, What a fresh perspective,too bad Ramsey,isn't a required course for all GRADE SHCOOL GRADs.but High school or a Masters degree in Economic that the minimum. Institutional education of our children from Capitalism to Socialism. This is the way of Their indoctrination,by the Monopoly that is the Public Education System where Choice is reserved for (Wealthy))Party members only. As for the critics of big Beautiful Gov't; The EPA had Nothing to do with the discovery. This was discovered with $50,000 and research by a University. As for the Ethics, Well VW will pay a huge price,individuals, Groups and the State and Fed.Will it Survive? But, Will it Pay? Free market Capitalism and Lady Liberty with scales in hand will decide the Fate of this once great institution. Gotta go need to make some $ to pay the EPA. Would you care to rewrite that in intelligible English?... The only sure way to survive a canopy collision is not to have one. Quote Share this post Link to post Share on other sites
richravizza 28 #30 September 25, 2015 I can't my education is twenty yrs. old and Public in nature. As for the reply, Yours is Basic in nature. Highly educated liberals Love to attack the quality of writing skills of public education system, and ignore the content. an apology,If my grammar offended you, I'll proof read next time. For the Lovers of Big Beautiful Gov't; The EPA had Nothing to do with the discovery. This was discovered with $50,000 and research by a University. Do you think thats good enough? Perhaps you can go Line by line correct my grammar,then discuss the content. Quote Share this post Link to post Share on other sites
richravizza 28 #31 September 25, 2015 How about Capitalism and Discrimination,as it applies to the case of the gay couple,the cake and the baker that refused to bake the cake. First the baker retains his choice,and his rite of refusal. The guy couple finds another baker next door. Gays get a better cake, at a better price, they tell others of the wonderful cake. First baker does poorly and is directly affected by discrimination. Quote Share this post Link to post Share on other sites
JerryBaumchen 1,369 #32 September 25, 2015 Hi rich, Quote the case of the gay couple,the cake and the baker that refused to bake the cake I really do not know how to make it more clear. The laws of the State of Oregon state that one cannot discriminate due to sexual orientation. It is that simple. Is that too difficult to understand? Jerry Baumchen Quote Share this post Link to post Share on other sites
wmw999 2,452 #33 September 26, 2015 If the writing is unclear enough, it can be difficult to determine what's meant. Most of what I got was the usual liberals-government-bad-stupid, conservatives-business-good-smart. Dave Ramsay is a genius when it comes to personal finance, particularly people in debt. And his business is successful. Not sure that translates well to a run-the-nation scale, however. And I'm not as religious as he is. Wendy P.There is nothing more dangerous than breaking a basic safety rule and getting away with it. It removes fear of the consequences and builds false confidence. (tbrown) Quote Share this post Link to post Share on other sites
jakee 1,500 #34 September 26, 2015 richravizzaI can't my education is twenty yrs. old and Public in nature. As for the reply, Yours is Basic in nature. Highly educated liberals Love to attack the quality of writing skills of public education system, and ignore the content. That's exactly the problem dude, we don't know what the content is. He's not saying you need to be in complete adherence to the AP style guide or anything, he's saying your writing is so bad we have no idea what you're talking about. Try this, read your post out loud and ask yourself if you would speak to someone like that in conversation.Do you want to have an ideagasm? Quote Share this post Link to post Share on other sites
richravizza 28 #35 September 26, 2015 I thought you would see that the market place has made the new laws of the state of Oregon obsolete. Quote Share this post Link to post Share on other sites
richravizza 28 #36 September 27, 2015 wmw999If the writing is unclear enough, it can be difficult to determine what's meant. Most of what I got was the usual liberals-government-bad-stupid, conservatives-business-good-smart. Dave Ramsay is a genius when it comes to personal finance, particularly people in debt. And his business is successful. Not sure that translates well to a run-the-nation scale, however. And I'm not as religious as he is. Wendy P. Personnel finance, wealth creation,and capitalism are not in our children's' public education.This neglect has had huge negative effects,and is devastating to our and their future. "Nine out of ten Millionaires are first generation." Nearly half a million in the USA every year. 10 million in total. That is Powerful stuff. Don't our children deserve to be taught how to be that millionaire. I'm sure they'd love to Know? How a simple $20-25 a month will start them on a path to financial independence.and What the alternative is? Who wants to be dependent!! raise your hands!! LOL No matter what profession you choose, you most likely Won't become wealthy at it,but is ESSENTIAL in creating wealth. Ask a high school grad, or any collage student or your local public school teacher. How did Half a million people become millionaires? You'll get answers like; they took advantage of the poor,hit the lotto,they're a crook CEO, they're "in" the financial market. When in fact,the only thing they had in common, they saved and invested 10-15% of their income regardless of income level. How simple. But, definitely not the message we're getting as a Nation. You see in America we're all millionaires,most just don't know how. Image, the State of Ca. actually investing in our children education. The proceeds of the lottery actually going to your child's personal education account. Starting at birth,and invested in a mirror portfolio as TIAA-CREF. Now that would be change. Image choice,competition,reduction in student debt.An alternative for those failures not seeking college.Trade,or vocational training without the debt load. Unfortunately, every social system we have established in the US have been examples of sustainable failure.Socialism style. Mainly,SSI,Medicare,Dept.of Education, and Agriculture. Socialism Front loads our debt to our children. This is the very opposite of wealth creation.It is our status quo. For the younger jumper out there, I hope it helps you. Because it's ALL Greek to Me. Compound interest for principal: P(1+r/n)^nt Future value of a series: PMT * (((1 + r/n)^nt - 1) / (r/n)) Where: A = the future value of the investment/loan, including interest P = the principal investment amount (the initial deposit or loan amount) PMT = the monthly payment r = the annual interest rate (decimal) n = the number of times that interest is compounded per year t = the number of years the money is invested or borrowed for Let's put this into our example: An amount of $5,000 is deposited into a savings account at an annual interest rate of 5%, compounded monthly, with additional deposits of $100 per month. The value of the investment after 10 years can be calculated as follows... P = 5000. PMT = 100. r = 5/100 = 0.05 (decimal). n = 12. t = 10. If we plug those figures into the formulae, we get: Total = [ Compound interest for principal ] + [ Future value of a series ] Total = [ P(1+r/n)^nt ] + [ PMT * (((1 + r/n)^nt - 1) / (r/n)) ] Total = [ 5000 (1 + 0.05 / 12) ^ 12(10) ] + [ 100 * (((1 + 0.0041666)^120 - 1) / (0.0041666)) ] Total = [ 8235.05 ] + [ 100 * (0.647009497690848 / 0.0041666) ] Total = [ 8235.05 ] + [ 15528.23 ] Total = [ $23,763.28 ] So, the investment balance after 10 years is $23,763.28. Quote Share this post Link to post Share on other sites
turtlespeed 221 #37 September 27, 2015 richravizza***If the writing is unclear enough, it can be difficult to determine what's meant. Most of what I got was the usual liberals-government-bad-stupid, conservatives-business-good-smart. Dave Ramsay is a genius when it comes to personal finance, particularly people in debt. And his business is successful. Not sure that translates well to a run-the-nation scale, however. And I'm not as religious as he is. Wendy P. Personnel finance, wealth creation,and capitalism are not in our children's' public education.This neglect has had huge negative effects,and is devastating to our and their future. "Nine out of ten Millionaires are first generation." Nearly half a million in the USA every year. 10 million in total. That is Powerful stuff. Don't our children deserve to be taught how to be that millionaire. I'm sure they'd love to Know? How a simple $20-25 a month will start them on a path to financial independence.and What the alternative is? Who wants to be dependent!! raise your hands!! LOL No matter what profession you choose, you most likely Won't become wealthy at it,but is ESSENTIAL in creating wealth. Ask a high school grad, or any collage student or your local public school teacher. How did Half a million people become millionaires? You'll get answers like; they took advantage of the poor,hit the lotto,they're a crook CEO, they're "in" the financial market. When in fact,the only thing they had in common, they saved and invested 10-15% of their income regardless of income level. How simple. But, definitely not the message we're getting as a Nation. You see in America we're all millionaires,most just don't know how. Image, the State of Ca. actually investing in our children education. The proceeds of the lottery actually going to your child's personal education account. Starting at birth,and invested in a mirror portfolio as TIAA-CREF. Now that would be change. Image choice,competition,reduction in student debt.An alternative for those failures not seeking college.Trade,or vocational training without the debt load. Unfortunately, every social system we have established in the US have been examples of sustainable failure.Socialism style. Mainly,SSI,Medicare,Dept.of Education, and Agriculture. Socialism Front loads our debt to our children. This is the very opposite of wealth creation.It is our status quo. For the younger jumper out there, I hope it helps you. Because it's ALL Greek to Me. Compound interest for principal: P(1+r/n)^nt Future value of a series: PMT * (((1 + r/n)^nt - 1) / (r/n)) Where: A = the future value of the investment/loan, including interest P = the principal investment amount (the initial deposit or loan amount) PMT = the monthly payment r = the annual interest rate (decimal) n = the number of times that interest is compounded per year t = the number of years the money is invested or borrowed for Let's put this into our example: An amount of $5,000 is deposited into a savings account at an annual interest rate of 5%, compounded monthly, with additional deposits of $100 per month. The value of the investment after 10 years can be calculated as follows... P = 5000. PMT = 100. r = 5/100 = 0.05 (decimal). n = 12. t = 10. If we plug those figures into the formulae, we get: Total = [ Compound interest for principal ] + [ Future value of a series ] Total = [ P(1+r/n)^nt ] + [ PMT * (((1 + r/n)^nt - 1) / (r/n)) ] Total = [ 5000 (1 + 0.05 / 12) ^ 12(10) ] + [ 100 * (((1 + 0.0041666)^120 - 1) / (0.0041666)) ] Total = [ 8235.05 ] + [ 100 * (0.647009497690848 / 0.0041666) ] Total = [ 8235.05 ] + [ 15528.23 ] Total = [ $23,763.28 ] So, the investment balance after 10 years is $23,763.28. I want to bank where you bank. I can barely get over 1% - where the hell are you getting 5%I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun Quote Share this post Link to post Share on other sites
quade 4 #38 September 27, 2015 turtlespeed*** For the younger jumper out there, I hope it helps you. Because it's ALL Greek to Me. I want to bank where you bank. I can barely get over 1% - where the hell are you getting 5% From the copy and paste he admitted he doesn't understand.quade - The World's Most Boring Skydiver Quote Share this post Link to post Share on other sites
DanG 1 #39 September 27, 2015 Are you a millionaire? - Dan G Quote Share this post Link to post Share on other sites
kallend 2,027 #40 September 27, 2015 Or you can do it the old fashioned way, and inherit it like Trump, Romney and the Bushes.... The only sure way to survive a canopy collision is not to have one. Quote Share this post Link to post Share on other sites
richravizza 28 #41 September 27, 2015 If your asking me no, not yet. The two formulas listed have two very important variables, interest earned and time. Changing them numbers like interest earned,has a non linear effect. A 1% Bank account is not investing.It is hoarding, money that looses value, Because of inflation. A bank,CD or savings account in today ultra low rate environment is a joke.Who knows maybe the Banksters/Fed will charge us to store our money,in the future.At least it would be in the open,and we would know we're getting screwed.Like our taxes its better to hide reality. Average US market returns for the last 30 years is 7.5%,not the Outrageously high %5. So,True investing must be in the Market.Peter Lynch was a master at this, and it is quite a hands. Index and mutual funds will work to start with, Second is the amount invested this also,variable. The average American will need increase contributions to match inflation. In 30yrs. from now, contributing $20 would be like,$6.50 in today's money .LOL Mess around with the Numbers. Try and Prove What is possible. Increasing our savings to match inflation is a must.Also Try and use a percentage of your income, so when times are good and you get a raise so will your Future self. Become a better investor, beat the averages by a % or two and the prize is your sight and Completely obtainable. As for our public education System. Why is it,as a Nation we do not tolerate monopolies.But, when it comes to Public education of our most disadvantaged it is OK? Why don't our parents/children have choice? Why is common core so un popular,and why is it our poor are kept ignorant when it comes to wealth creation? Why do we Pay more and get decreasing results ? Why can't terrible Teacher be fired? Why are we ignorant about financial freedom, These are all results of our monopoly. Quote Share this post Link to post Share on other sites
billvon 2,998 #42 September 27, 2015 >I thought you would see that the market place has made the new laws of the state of >Oregon obsolete. The marketplace didn't make the discriminatory practices of the 1950's "obsolete." In fact, discriminatory businesses did BETTER in places like Atlanta; if a diner said "no coloreds" then the racists of the time (of which there were a very large number) congregated there, and the business owner was rewarded for his bigotry. However, we as a society decided that that kind of racism was harmful, and so passed laws against it. They did not happen because some evil meddling liberals wanted to ruin the lives of Southerners; they happened because Southerners were engaged in actively ruining the lives of blacks, and people wanted that to stop. The wedding cake issue is on a much smaller scale; no one's life is going to be ruined by someone not baking them a cake. Might ruin their wedding; that's about it. But the principle remains the same. We as a society have decided that discrimination against blacks, or gays, or Jews, or Mexicans, or women, is unacceptable, and so we have passed laws against discrimination against such groups. Quote Share this post Link to post Share on other sites
JerryBaumchen 1,369 #43 September 27, 2015 Hi Bill, Quoteif a diner said "no coloreds" then the racists of the time (of which there were a very large number) congregated there, and the business owner was rewarded for his bigotry Foe those who do not remember or never knew: https://en.wikipedia.org/wiki/Lester_Maddox Jerry Baumchen Quote Share this post Link to post Share on other sites
kallend 2,027 #44 September 27, 2015 richravizza I can't my education is twenty yrs. old and Public in nature. As for the reply, Yours is Basic in nature. Highly educated liberals Love to attack the quality of writing skills of public education system, and ignore the content. an apology,If my grammar offended you, I'll proof read next time. ... The only sure way to survive a canopy collision is not to have one. Quote Share this post Link to post Share on other sites
Coreeece 2 #45 September 28, 2015 billvon The wedding cake issue is on a much smaller scale; no one's life is going to be ruined by someone not baking them a cake. Might ruin their wedding; that's about it. But the principle remains the same. We as a society have decided that discrimination against blacks, or gays, or Jews, or Mexicans, or women, is unacceptable, and so we have passed laws against discrimination against such groups. The difference between discriminating against blacks and discriminating against gays is that when you are discriminating against blacks, you are discriminating against them for being black. ...but when "discriminating" against gays, it isn't necessarily for being gay, it's because of their behavior. People/businesses shouldn't be forced to accept nor participate in someone else's behavior that they find objectionable.Never was there an answer....not without listening, without seeing - Gilmour Quote Share this post Link to post Share on other sites
tkhayes 348 #46 September 28, 2015 well now, isn't that a twisted and demented way to justify your discrimination....so well done. not. Quote Share this post Link to post Share on other sites
RonD1120 62 #47 September 28, 2015 So you would not object to a Christian church service on Sunday AM at Skydive City.Look for the shiny things of God revealed by the Holy Spirit. They only last for an instant but it is a Holy Instant. Let your soul absorb them. Quote Share this post Link to post Share on other sites
kallend 2,027 #48 September 28, 2015 Coreeece*** The wedding cake issue is on a much smaller scale; no one's life is going to be ruined by someone not baking them a cake. Might ruin their wedding; that's about it. But the principle remains the same. We as a society have decided that discrimination against blacks, or gays, or Jews, or Mexicans, or women, is unacceptable, and so we have passed laws against discrimination against such groups. The difference between discriminating against blacks and discriminating against gays is that when you are discriminating against blacks, you are discriminating against them for being black. ...but when "discriminating" against gays, it isn't necessarily for being gay, it's because of their behavior. . Really. What about this behavior: Driving While Black?... The only sure way to survive a canopy collision is not to have one. Quote Share this post Link to post Share on other sites
billvon 2,998 #49 September 28, 2015 >The difference between discriminating against blacks and discriminating against >gays is that when you are discriminating against blacks, you are discriminating >against them for being black. Not at all! Ask any modern racist. They have nothing against their skin color; it's their way of life, their communities, their poor morals, their low intelligence, their lack of work ethic, their broken families, their propensity towards crime, the inherent shiftlessness of blacks, their "gangsta culture" - those are the reasons that they consider blacks inferior. >People/businesses shouldn't be forced to accept nor participate in someone >else's behavior that they find objectionable. Ah. So if a store doesn't like people with disabilities - because they behave differently and require expensive ramps and wider bathrooms - it's OK to exclude them? It's not that the store dislikes the handicapped, o no! It's because they demand unreasonable things. If they just behaved differently the store would have no problem with them. It's their fault. (According to the store, at least.) It's getting harder and harder to find a way to discriminate against specific groups without accidentally rolling up a group (like, say, disabled veterans) in the same bias. Quote Share this post Link to post Share on other sites
RonD1120 62 #50 September 28, 2015 billvon>The difference between discriminating against blacks and discriminating against >gays is that when you are discriminating against blacks, you are discriminating >against them for being black. Not at all! Ask any modern racist. They have nothing against their skin color; it's their way of life, their communities, their poor morals, their low intelligence, their lack of work ethic, their broken families, their propensity towards crime, the inherent shiftlessness of blacks, their "gangsta culture" - those are the reasons that they consider blacks inferior. >People/businesses shouldn't be forced to accept nor participate in someone >else's behavior that they find objectionable. Ah. So if a store doesn't like people with disabilities - because they behave differently and require expensive ramps and wider bathrooms - it's OK to exclude them? It's not that the store dislikes the handicapped, o no! It's because they demand unreasonable things. If they just behaved differently the store would have no problem with them. It's their fault. (According to the store, at least.) It's getting harder and harder to find a way to discriminate against specific groups without accidentally rolling up a group (like, say, disabled veterans) in the same bias. In all my years as a RW conservative, "gangsta culture" is the only profile I've personally experienced. How about, "No Shirt, No Shoes, No Service" or No Smoking or Turn Off Cell Phones. Aren't those behavioral issues?Look for the shiny things of God revealed by the Holy Spirit. They only last for an instant but it is a Holy Instant. Let your soul absorb them. Quote Share this post Link to post Share on other sites