About damn time people are starting to wake up to this Socialist Dim BS crap (literally). Now do we have enough people in CA any longer that isn't on some form of welfare aid to bring the Republican Party to lead the House, Senate and Governorship to lead the state? I doubt it but I'm sure going to push for it.

nytimes.com/2018/06/06/us/-hom

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@Elaines2cents

I hope the good people of CA, save the state.

@JM

A lot of welfare sucking the life out of this state and Dims just keep dishing more. Makes you wonder just how low they're willing to go.

@Elaines2cents @JM

Death spiral sad to say. Could be fixed, maybe, but it would require a lot of sacrifice some thing so many are not going to be willing to accept.

@Buddy

They are willing to tax every last penny, totally eliminate the middle-class. The wealthy will just move funds and protect themselves, the poor have no money.

@Elaines2cents

@JM
And when the poor have less and less money they become the "slave class" to the elite... at least that's the goal of the leftists here.
@Buddy @Elaines2cents

@mariel

True, create dependence, Socialism an easier sell! Indoctrination, from education in class. Convincing parents and students to borrow money for a worthless education and burdening them with debt.

@Buddy @Elaines2cents

@JM
Higher education has been pushed as the "answer to all your problems". I can't count how many times I heard growing up that all I need to be successful is to go to college and get a degree... and that's it! No advice on how to save, manage the debt, what degrees to choose, etc. And staff advises students to take out the maximum amount the loans allow. Insanity
@Buddy @Elaines2cents

@mariel

So true, growing up very poor I learned from my parents mistakes. I have always been very careful with money and wait until I can afford something and get the best deal at hand. Out of eight of us, not all learned this, to each their own.

@Buddy @Elaines2cents

@JM

Amen. I've learned from my parents/grandparents that if I can't pay cash for it....I don't need it.

@mariel @Buddy @Elaines2cents

@Tatonka

Exactly. It shocks everywhere we purchase, no credit card! 😃 Waiting for the right opportunity, usually works out for us when making major purchases. We had been looking to replace our living room furniture for two years. We wanted top grain leather and quality manufacture. The wait was worth it, one of the places we would purchase from went out of business. We saved 75% on a stationary leather sofa and recliner both close to top line.

@mariel @Buddy @Elaines2cents

@JM

This is something I was always taught and it applies to many different things in our lives as well without getting too specific.

@Tatonka @mariel @Elaines2cents

@mariel

Us too! This sale was not broadly publicized, we were blessed! We arrived at 10Am, the place was packed!

@Tatonka @Buddy @Elaines2cents

@JM

Years ago my fiancee wanted a custom leather couch set for her wedding present from Arizona Leather. We went in 3-4 times speaking with various people but they refused to budge on the price and wanted us to finance it through them....I just laughed.

@mariel @Buddy @Elaines2cents

@JM

I went back the last 2 days of the month with HALF the total cost in cash in an envelope offering it as payment......first salesperson said sorry...can't do it for that. My wife was so embarrassed....told her someone there is hurting for a sale. Went back the last day of the month and I found the poor SOB. He took it! 😂

We still have the couches too 😂
@mariel @Buddy @Elaines2cents

@Tatonka

I looked at Arizona Leather online, there prices are high.

When purchasing bedroom suite, I bartered with a local middleman and saved 60% with free white glove delivery.

@mariel @Buddy @Elaines2cents

@Lonestar

😂 No, requires all set up. Like assembling the bed itself. They dang headboard weighs 300lbs.

@Tatonka @mariel @Buddy @Elaines2cents

@JM @Tatonka @mariel @Buddy @Elaines2cents - just think it'd be funny of a couple burly looking guys jumped off a delivery truck wearing white gloves. 😂

@Lonestar @JM @Tatonka @mariel @Elaines2cents

That beats the heck out of a couple of burly looking women delivering. HaHa

@thegoldenpanda

Sadly, you cannot trust brand names anymore with most furniture. You have to go into your purchase with full knowledge of the construction. So many cannot or will not spend the money for quality, that is fine if replacement if five years is what you like. Not me, I want these last purchases to outlive us. I believe they will. 😊

@Lonestar @Tatonka @mariel @Buddy @Elaines2cents

@JM @thegoldenpanda @Tatonka @mariel @Buddy @Elaines2cents -North Carolina used to be known for the quality furniture makers based there.

@Lonestar

Fortunately that is where we live, you still have to be very careful! I find purchasing through a middleman, that deals directly with manufacturing is the best way to save money.

@thegoldenpanda @Tatonka @mariel @Buddy @Elaines2cents

@Lonestar @JM @thegoldenpanda @Tatonka @mariel @Elaines2cents

Remember that so well and seeing it when traveling there to Black Mountain.

@Lonestar @JM @thegoldenpanda @Tatonka @mariel @Buddy

Which is why, after I do my research, I typically buy from them and have the furniture shipped to me in CA.

@Elaines2cents

Yep, and oops here! hope I didn't offend you yesterday by calling CA a death spiral state.

@Lonestar @JM @thegoldenpanda @Tatonka @mariel

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@JM

Exactly. I'm not a big consumer but If I buy something, I want quality and for it to last. We're a dying breed....we live in a throw away society.

@thegoldenpanda @Lonestar @mariel @Buddy @Elaines2cents

@JM

Best couch set i've ever owned. They even come to the house to polish/clean re-stuff the cushions if needed.

They still look brand new if you can believe that. 😂

@mariel @Buddy @Elaines2cents

@mariel @JM @Buddy @Elaines2cents me too but not quite a bad as this generation. I was class of 89. I had to pay my way. When I went the financial aid people tried to convince me of loans .. I refused .. I said if I cannot pay it myself , I will not go. I ended up getting two years done and then my career with my full time job took off ... sometimes I regret leaving school but I made far more then my friend who is an attorney did for many years and just now is she now moved ahead of my pay

@inverness01

I was way ahead of you and during my time we didn't go if we couldn't pay. There were loans which we didn't take. We did the the old fashioned way-worked, made money, paid our own way. Either that or don't go.

@mariel @JM @Elaines2cents

@inverness01 @mariel @JM @Buddy

Similar happened with my son. The plan was 2 yrs at community college to get the basics and then transfer to complete the rest for the degree. 1 yr into community college and my son's part time job offered a full time position at nearly $100k. Big bucks for a 19 year old. Even decent money today. He's never looked back 😉

@inverness01 @mariel @JM @Buddy

I will say that my nephew just followed that same process and he recently graduated from Long Beach State. His degree did make a difference when he was chosen as one of the few out of thousands of applicants for the Police Academy. It's important that kids have a discussion with members of their field of interest before making a decision as to what level of education they need to shoot for.

@Elaines2cents

He obviously had what it took, an education would of only delayed his success! You must be so proud. 😊

@inverness01 @mariel @Buddy

@JM @inverness01 @mariel @Buddy

I am. He's in the tech industry so he's paid well when he's working. Too many H1B Visa recipients have flooded his industry and it makes getting, holding and working hard on him. Being a Republican in a land of liberal buffoons doesn't help either.

@Elaines2cents

True and H1B holder's will take less money. Many see if they let go an intelligent hard worker, the Visa worker in the long run cost them more.

@inverness01 @mariel @Buddy

@JM

That is true in most cases. There were cases where a qualified person did the interview for another H1B applicant for the hiring process. Once the H1B was hired for the job or project, it became apparent that person did not have the qualifications nor was the person that they had interviewed.

@Elaines2cents @inverness01 @mariel @Buddy

@Sarah_Roberts

I knew many in the tech industry working for the banks. Most projects took at least twice as long and were not up to standards. So many of the people displaced had to train the replacement to receive severance. Just sad! Now many have returned to those banks, trying to clean up the mess left behind.

@Elaines2cents @inverness01 @mariel @Buddy

@JM @Sarah_Roberts @inverness01 @mariel @Buddy

And I doubt they've learned any lessons from the experience.

BofA was sending their loan documentation from borrowers to a company in India for review. That was the last straw for me. Lord knows who obtained private information to sell out for a few extra bucks each month. Not saying it couldn't happen here but at least you can prosecute the thieves in a US court.

@Elaines2cents

So true, many of the larger banks were. I believe that is how they got away with the BS Mortgage meltdown. They couldn't even lay their hands on the original documents. People who fought them won, just for that reason!

@Sarah_Roberts @inverness01 @mariel @Buddy

@JM

My sister was an operations vice president of a bank and boy the stories she had to share about all of this. I will share some of it for you in the future. She was employed during this time and the things that happened were mind boggling.

@Elaines2cents @Sarah_Roberts @inverness01 @mariel

@JM @Sarah_Roberts @inverness01 @mariel @Buddy

Most didn't begin to transfer docs off site until after the meltdown which is even more disturbing. I have to wonder if the public would stand for this if they had a clue it was happening.

The lost docs weren't due to shipping offsite. All docs are scanned in the US and then sent electronically to be reviewed. $5 an hr in India v $15 in the US saves big bucks

Lost docs from the meltdown was primarily the multiple transfers and chain of custody.

@Elaines2cents @JM @Sarah_Roberts @inverness01 @mariel @Buddy
I never understood all that was going on,just vaguely..This thread has been an eye opener to say the least!

@Elaines2cents

IMO the docs were not lost but refusal to hand over such docs. Sort of like the Clinton emails.

One private mortgage company had their own political strategy. The husband donated 5 million to Bush campaign while his wife donated similar money to opposing candidate. After the election the husband was given an ambassador position to the Netherlands.

@JM @inverness01 @mariel @Buddy

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@JM @Elaines2cents @inverness01 @mariel @Buddy

The government allocates 65.000 H1B visas without any documentation that the positions cannot be filled with qualified residents of the US.

Here is a link to the top 100 companies that sponsor H1B visas.

myvisajobs.com/Reports/2018-H1

@inverness01

Class of '90 here! Worked full time and paid my way through college.....I actually feel bad for kids now.

The university I graduated from (top 5 vet/pre med program) has now turned into a LA gender studies factory.

I still have time but major hesitations about sending my kids to the propaganda factories.

@mariel @JM @Buddy @Elaines2cents

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