About Me

Name: King David Caul
Biography
Loading...

Create Your Own Blog Find Other Townhall Blogs

Comments

Blog Roll

BAILOUT: How Did They Vote?

The BAILOUT/PORK package has passed. Suddenly a NEW refrain is echoing through the marble halls of leadership: "we might not feel anything fuzzy and nice for some time". HA! Wasn't the massive size of this fiscal manuever supposed to cause instant reverberations of relief. Keep an eye out for the sharing of a story that the "transparency" of it all is awfully complex and as such has more or less been abandoned....We'll never see that money again. GUARANTEED.

At least part of it is supposed to make RUM CHEAPER (?). That works...Give me one BIG, BIG Mai Tai please...And keep 'em comin. I don't feel good.

Some of these folks on the lists below may still deserve a job. SOME! At the least, any who ignored your voice should BEG on their knees before you excuse them. These employees have ONE PRIMARY DUTY AND RESPONSIBILITY: REPRESENT YOU! Failure to respect your wishes is ABSOLUTELY reason to give them a sound kick in the butt out the door.

Below are the Senate votes and House votes of the passed BAILOUT/PORK package. That it passed once the proposal increased in cost and clutter is a true testament to the chaos of leadership we are suffering.

The House votes are troublesome; you cannot look at the "Nay" (against) column and assume they did had the courage to ask for better legislation. MANY votes were withheld till the measure passed, THEN the cowards did whatever they felt would look best on their record. Unless there is some access somewhere to the names and TIMES of votes - the record can be an illusion of courage. At least they didn't vote "yes" outright.

October 01, 2008 SENATE passing of super-sized-BAILOUT/porky pig package: (S.Amdt. 5685 to H.R. 1424 )

state

Senators Ignoring the People

Senators Respecting the People

Alabama

 

Shelby (R-AL) Sessions (R-AL)

Alaska

Murkowski (R-AK) Stevens (R-AK),

 

Arizona

Kyl (R-AZ) McCain (R-AZ),

 

Arkansas

Lincoln (D-AR) Pryor (D-AR),

 

California

Boxer (D-CA) Feinstein (D-CA),

 

Colorado

Salazar (D-CO)

Allard (R-CO)

Connecticut

Dodd (D-CT) Lieberman (ID-CT),

 

Delaware

Biden (D-DE) Carper (D-DE),

 

Florida

Martinez (R-FL)

Nelson (D-FL)

Georgia

Chambliss (R-GA) Isakson (R-GA),

 

Hawaii

Akaka (D-HI) Inouye (D-HI),

 

Idaho

Craig (R-ID)

Crapo (R-ID)

Illinois

Durbin (D-IL) Obama (D-IL),

 

Indiana

Bayh (D-IN) Lugar (R-IN),

 

Iowa

Grassley (R-IA) Harkin (D-IA),

 

Kansas

 

Roberts (R-KS) Brownback (R-KS)

Kentucky

McConnell (R-KY)

Bunning (R-KY)

Louisiana

 

Vitter (R-LA) Landrieu (D-LA)

Maine

Collins (R-ME) Snowe (R-ME),

 

Maryland

Cardin (D-MD) Mikulski (D-MD),

 

Massachusetts

Kerry (D-MA),

 

Michigan

Levin (D-MI)

Stabenow (D-MI)

Minnesota

Coleman (R-MN) Klobuchar (D-MN),

 

Mississippi

 

Wicker (R-MS) Cochran (R-MS)

Missouri

Bond (R-MO) McCaskill (D-MO),

 

Montana

Baucus (D-MT)

Tester (D-MT)

Nebraska

Hagel (R-NE) Nelson (D-NE),

 

Nevada

Ensign (R-NV) Reid (D-NV),

 

New Hampshire

Gregg (R-NH) Sununu (R-NH),

 

New Jersey

Lautenberg (D-NJ) Menendez (D-NJ),

 

New Mexico

Bingaman (D-NM) Domenici (R-NM),

 

New York

Clinton (D-NY) Schumer (D-NY),

 

North Carolina

Burr (R-NC)

Dole (R-NC)

North Dakota

Conrad (D-ND)

Dorgan (D-ND)

Ohio

Brown (D-OH) Voinovich (R-OH),

 

Oklahoma

Coburn (R-OK)

Inhofe (R-OK)

Oregon

Smith (R-OR)

Wyden (D-OR)

Pennsylvania

Casey (D-PA) Specter (R-PA),

 

Rhode Island

Reed (D-RI) Whitehouse (D-RI),

 

South Carolina

Graham (R-SC)

DeMint (R-SC)

South Dakota

Thune (R-SD)

Johnson (D-SD)

Tennessee

Alexander (R-TN) Corker (R-TN),

 

Texas

Cornyn (R-TX) Hutchison (R-TX),

 

Utah

Bennett (R-UT) Hatch (R-UT),

 

Vermont

Leahy (D-VT)

Sanders (I-VT)

Virginia

Warner (R-VA) Webb (D-VA),

 

Washington

Murray (D-WA)

Cantwell (D-WA)

West Virginia

Byrd (D-WV) Rockefeller (D-WV),

 

Wisconsin

Kohl (D-WI)

Feingold (D-WI)

Wyoming

 

Enzi (R-WY) Barrasso (R-WY)

51st state (ask Obama)

   

52nd state (ask Obama)

   

53rd state (ask Obama)

   

54th state (ask Obama)

   

55th state (ask Obama)

   

56th state (ask Obama)

   

57th state (ask Obama)

   

(Kennedy (D-MA),Not Voting)

 

Here is the NEW House of Representatives vote with primarily migrations to "AYE" by several individuals, since previous propositions vote. Jim McDermott of Washington state went the other way.

STATE: Autonomous Agents of Government Heroes of REPRESENTATION

ALABAMA

Cramer(D) Bachus(R) Bonner(R) Everett(R) Rogers(R) Davis(D)

Aderholt(R)

ALASKA

 

Young(R)

ARIZONA

Giffords(D) Mitchell(D) Pastor(D) Shadegg(R)

Grijalva(D) Flake(R) Franks(R) Renzi(R)

ARKANSAS

Berry(D) Ross(D) Snyder(D) Boozman(R) ,

 

CALIFORNIA

Speier(D) Tauscher(D) Waters(D) Waxman(D) Bono Mack(R) Calvert(R) Campbell(R) Dreier(R) Herger(R) Lewis(R) Lungren(R) Lofgren(D) Pelosi(D) Richardson(D) McKeon(R) George Miller(D) Radanovich(R) Zoe(D) Matsui(D) McNerney(D) Gary Miller(R) Harman(D) Honda(D) Berman(D) Capps(D) Cardoza(D) Costa(D) Davis(D) Eshoo(D) Farr(D) Baca(D) Lee(D) Schiff(D )Solis(D) Thompson(D) Watson(D) Woolsey(D)

Becerra(D) Filner(D) Napolitano(D) Roybal-Allard(D) Linda Sanchez(D) Loretta Sanchez(D) Sherman(D) Stark(D) Bilbray(R) Doolittle(R) Gallegly(R) Hunter(R) Issa(R) McCarthy(R) Nunes(R) Rohrabacher(R) Royce(R)

COLORADO

Tancredo(R) DeGette(D) Perlmutter(D)

Salazar(D) Udall(D) Lamborn(R) Musgrave(R)

CONNECTICUT

DeLauro(D) Larson(D) Murphy(D) Shays(R)

Courtney(D)

DELAWARE

Castle(R)

 

FLORIDA

Crenshaw(R) Putnam(R) Weldon(R) Hastings(D) Klein(D) Mahoney(D) Meek(D) Wasserman Schultz(D) Wexler(D) Boyd(D) Corrine Brown(D) Buchanan(R) Ros-Lehtinen(R)

Castor(D) Bilirakis(R) G. Brown-Waite(R) L. Diaz-Balart(R) M. Diaz-Balart(R) Feeney(R) Keller(R) Mack(R) Mica(R) Miller(R) Stearns(R) Young(R)

GEORGIA

Bishop(D) Marshall(D) Scott(D) Lewis(D)

Broun(R) Deal(R) Gingrey(R) Kingston(R) Linder(R) Price(R) Westmoreland(R) Barrow(D) Johnson(D)

HAWAII

Abercrombie(D) Hirono(D)

 

IDAHO

Simpson(R)

Sali(R)

ILLINOIS

Kirk(R) LaHood(R) Schakowsky(D) Bean(D) Rush(D) Biggert(R) Jerry Weller

Costello(D) Lipinski(D) Johnson(R) Manzullo(R) Roskam(R) Shimkus(R)

INDIANA

Souder(R) Donnelly(D) Ellsworth(D) Carson(D)

Hill(D) Visclosky(D) Burton(R) Buyer(R) Pence(R)

IOWA

Loebsack(D) Boswell(D) Braley(D)

King(R) Latham(R)

KANSAS

Moore(D)

Moran(R) Tiahrt(R) Boyda(D)

KENTUCKY

Lewis(R) Rogers(R) Yarmuth(D)

Chandler(D) Davis(R) Whitfield(R)

LOUISIANA

McCrery(R) Melancon(D) Alexander(R) Boustany(R)

Cazayoux(D) Jefferson(D) Scalise(R)

MAINE

Allen(D)

Michaud(D)

MARYLAND

Gilchrest(R) Hoyer(D) Ruppersberger(D) Sarbanes(D) Van Hollen(D) Cummings(D) Edwards(D)

Bartlett(R)

MASSACHUSETTS

Tsongas(D) Markey(D) McGovern(D) Neal(D) Olver(D) Frank(D) Capuano(D) Tierney(D)

Lynch(D) Delahunt(D)

MICHIGAN

Upton(R) Camp(R) Ehlers(R) Levin(D) Dingell(D) Kildee(D) Kilpatrick(D) Hoekstra(R) Knollenberg(R)

Stupak(D) McCotter(R) Miller(R) Rogers(R) Walberg(R) Conyers(D)

MINNESOTA

Kline(R) Ellison(D) McCollum(D) Oberstar(D) Ramstad(R)

Peterson(D) Walz(D) Bachmann(R)

MISSISSIPPI

Pickering(R)

Childers(D) Taylor(D) Thompson(D)

MISSOURI

Blunt(R) Emerson(R) Skelton(D) Carnahan(D) Cleaver(D)

Clay(D) Akin(R) Graves(R) Hulshof(R)

MONTANA

 

Rehberg(R)

NEBRASKA

Terry(R)

Fortenberry(R) Smith(R)

NEVADA

Porter(R) Berkley(D)

Heller(R)

NEW HAMPSHIRE

 

Hodes(D) Shea-Porter(D)

NEW JERSEY

Saxton(R) Sires(D) Ferguson(R) Andrews(D) Holt(D) Pallone(D) Pascrell(D) Frelinghuysen(R)

Payne(D) Rothman(D) Garrett(R) LoBiondo(R) Smith(R)

NEW MEXICO

Wilson(R)

Udall(D) Pearce(R)

NEW YORK

Slaughter(D) Towns(D) Velazquez(D) Weiner(D) Fossella(R) McHugh(R) Reynolds(R) Walsh(R) Meeks(D) Nadler(D) Rangel(D) Lowey(D) Maloney(D) McCarthy(D) McNulty(D) Israel(D) Ackerman(D) Arcuri(D) Bishop(D) Clarke(D) Crowley(D) Engel(D) Hall(D) Higgins(D) King(R) Kuhl(R)

Gillibrand(D) Hinchey(D) Serrano(D)

NORTH CAROLINA

Watt(D) Miller(D) Price(D) Etheridge(D) Coble(R) Myrick(R)

Butterfield(D) McIntyre(D) Shuler(D) Foxx(R) Hayes(R) McHenry(R) Jones(R)

NORTH DAKOTA

Pomeroy(D) ,

 

OHIO

Pryce(R) Regula(R) Hobson(R) Wilson(D) Boehner(R) Ryan(D) Space(D) Sutton(D) Schmidt(R) Tiberi(R)

Kaptur(D) Kucinich(D) Chabot(R) Jordan(R) LaTourette(R) Latta(R) Turner(R)

OKLAHOMA

Boren(D) Cole(R) Fallin(R) Sullivan(R)

Lucas(R)

OREGON

Walden(R) Hooley(D) Wu(D)

Blumenauer(D) DeFazio(D)

PENNSYLVANIA

Peterson(D) Kanjorski(D) Patrick Murphy(D) Murtha(D) Schwartz(D) Sestak(D) Doyle(D) Fattah(D) Brady(D)  Dent(D) Gerlach(D) Shuster(D)

Altmire(D) Carney(D) Holden(D) English(D) Tim Murphy(D) Pitts(D) Platts(D)

RHODE ISLAND

Kennedy(D) Langevin(D) ,

 

SOUTH CAROLINA

Brown(R) Inglis(R) Wilson(R) Clyburn(D) Spratt(D) Barrett(R)

 

SOUTH DAKOTA

 

Herseth Sandlin(D)

TENNESSEE

Gordon(D) Tanner(D) Cohen(D) Cooper(D) Wamp(R)

Lincoln Davis(D) Blackburn(R) david Davis(R) Duncan(R)

TEXAS

Granger(R) Brady(R) Sessions(R) Smith(R) Reyes(D) EB Johnson(D) Hinojosa(D) Edwards(D) Gonzalez(D) Cuellar(D) Al Green(D) Jackson-Lee(D) Ortiz(D) Conaway(R) Thornberry(R)

Doggett(D) Gene Green(D) Lampson(D) Rodriguez(D) Barton(R) Burgess(R) Carter(R) Culberson(R) Gohmert(R) Hall(R) Hensarling(R) Sam Johnson(R) Marchant(R) McCaul(R) Neugebauer(R) Paul(R) Poe(R)  

UTAH

Cannon(R)

Matheson(D) Bishop(R)

VERMONT

Welch(D)

 

VIRGINIA

Wolf(R) Cantor(R) Tom Davis(R) Boucher(D) Moran(D)

Scott(D) Drake(R) Forbes(R) Goode(R) Goodlatte(R) Wittman(R)

WASHINGTON

Larsen(D) Smith(D) Baird(D) Dicks(D)

McDermott(D) Inslee(D) Hastings(R) McMorris Rodgers(R) Reichert(R)

WEST VIRGINIA

Mollohan(D) Rahall(D)

Capito(R)

WISCONSIN

Ryan(R) Kind(D) Moore(D) Obey(D) Baldwin(D)

Kagen(D) Petri(R) Sensenbrenner(R)

WYOMING

Cubin(R)

 

51st state to be named by Obama

?

?

52nd state to be named by Obama

?

?

53rd state to be named by Obama

?

?

54th state to be named by Obama

?

?

55th state to be named by Obama

?

?

56th state to be named by Obama

?

?

57th state to be named by Obama

?

?

www.kingoftheunitedstates.net/platform

 

Email ItEmail It | Print ItPrint It | CommentsComments (0) | TrackbacksTrackbacks (0) | Flag as offensiveFlag as Offensive

LATEST HORROR MOVIE SEQUEL: SENATE RESURRECTS THE VAMPIRE MONSTER "COUNT BAILOUT"!

Ewww, What fun! In all these horror pictures, the monster ALWAYS rises again! You can't just kill evil, it will rise; eyes bloodshot with rage at the effort to extinguish it. Oh, things get so scary! And you can bet that monster is yet angrier in the sequel!
 
Just in case I don't remember the plot of the first "Bailout!" film, help me out with the story; it was kind of complex...Let me get this straight;
  • There is only ONE way we can improve our predicament, and it must necessarily cost a massive sum of taxpayer commitment?
  • The massive figure ($700 billion) has been determined somewhat arbitrarily and in a somewhat, well... capricious manner?
  • This must be IMMEDIATELY enacted, rammed down our throats if necessary, force-fed to us, expedited; anything but the most HASTY behavior is inadequate and...dangerous?
  • One man is responsible for generating the core thrust of this "solution"? Our government and nation is ready to anoint ONE individual as expert enough to determine nationally "imperative" spending of hundreds and hundreds of billions of taxpayer dollars? We should just run with the essence of his proposal?
  • It is okay if this is the same man who has been our "adviser" as we slid effortlessly toward this crisis? So, we are guided in our solutions by the expert who let us into this mess? Our reinforcement camp of champions of salvation are the admitted economic experts Obama, McCain, and Bush?
  • The will of the public and citizens (no matter how wildly unanimous in voice) is not the bottom line, not the point, or even irrelevant?
  • If Wall Street corrects downward to a level that is perhaps more correlated to the numerous real and critical national issues, our planet will die? We must prop-up Wall Street -- to whatever happy level the traders and brokers tell us they desire? This alone can save mankind?
  • When Enron collapsed and shocked the nation to its core with a $60 billion-dollar market value loss, the public and Washington screamed bloody murder; investigations commenced and people went to jail, and nothing less would have staved off public uprising...When a foreign radicalized entity bombed our buildings and capital with planeloads of our own citizens, Washington even conducted a massive INTERNAL investigation to find limits of OUR OWN responsibility... Now that there is a devastating succession of internally planted time bombs wiping out our financial backbone; we hear no calls for jail, no mandate for probes, no leadership for delivery of truth in culpability? Not even a single firing or resignation yet?
  • With Barney Frank chairman of the House Financial Services Committee, and Charlie Rangel at chairman seat of the Ways and Means Committee, we are now modeling our leadership committees on the U.N. "irony" patterns (permitting Syria to chair Commission on Human Rights, and Libya on Security Council) ?
  • Instead of calls for responsibility, we are seeing PRAISE laid at the feet of the very people who should be assessed for culpability (Barney Frank for example). We are asked to follow these people into deeper governmental meddling to the tune of $700 billion? We are asked to authorize them to determine what the nation should do?
Wasn't that the plot of "Bailout!" part I? Or was that just headline news shows?
 
 
Email ItEmail It | Print ItPrint It | CommentsComments (0) | TrackbacksTrackbacks (0) | Flag as offensiveFlag as Offensive

IS NANCY PELOSI THE WORST, MOST DISINGENUOUS ELECTED OFFICIAL WE'VE EVER HAD?

Speaker Nancy Pelosi appeared before cameras for a somber response to the failed house bid to enact the $700 billion bailout. Pelosi lamented the failure of others to perceive what she considers wise and simple. Then she proceeded to stroke the ego and credibility of Barney Frank (congressman from Massachusetts and chairman of the House Financial Services Committee).
Pelosi:
 
"...I wanted to acknowledge, especially the work of our Chairman, Barney Frank. He has great knowledge of these subjects, a great intellect to deal with the challenges and I think never has that intellect and knowledge been more helpful to the American people."
 
Within the short duration of her response and the grave tone of her words, this effort to praise this man was distinct and purposeful. Which is odd, because though she seems so confident in her wisdom and clarity of purpose, and so sure of her friend's glorious contributions; Frank has a curious little history with the whole realm...
 
In but one such instance, five years ago, the white house warned in increasing tones the growing danger of the GSE (freddie/fannie) situation, and argued hard for a regulatory committee to assess and control dangers, but FRANK fought and killed the effort. He proclaimed all to be scrum-diddlee-umptious!
 
Frank:
 
"...I do not think we are facing any kind of a crisis. That is, in my view, the two government sponsored enterprises we are talking about here, Fannie Mae and Freddie Mac, are not in a crisis. ...I do not think at this point there is a problem with a threat to the Treasury."
 
"...Some of the critics of Fannie Mae and Freddie Mac say that the problem is that the Federal Government is obligated to bail out people who might lose money in connection with them. I do not believe that we have any such obligation."
 
Apparently, Barney Frank had not yet decided to share with us, at that time, his "great intellect to deal with the challenges".
 
To give CREDIT to Frank for guidance through this mess is astonishing. What world are you living in, Pelosi?
Email ItEmail It | Print ItPrint It | CommentsComments (5) | TrackbacksTrackbacks (0) | Flag as offensiveFlag as Offensive

DID YOUR REPRESENTIVE HEAR YOUR VOICE?

Monday Sep 26, 2008: The House of Representatives rejected the $700 billion emergency bailout for the nation's ailing financial system.

Voting yes were 140 Democrats and 65 Republicans, Voting no were 95 Democrats and 133 Republicans.

Because of the clear, unified mandate by the American citizens (right or wrong - for better or for worse), those "representatives" who behaved as "representatives"are HEROES of contemporary government - doing something all too rare in this era -- LISTENING TO US.

The others, no matter how well intentioned, are villains -- who have lost regard for the people they "serve";  who consider themselves little deities of superior wisdom and autonomy who behave as they desire.

This ability to hear your voice should definitely considered when it is time to choose reelection or an ousting!

STATE: Autonomous Agents of Government Heroes of REPRESENTATION

ALABAMA

Cramer(D) Davis(D) Bachus(R) Bonner(R) Everett(R) Rogers(R)

Aderholt(R)

ALASKA

 

Young(R)

ARIZONA

 

Giffords(D) Grijalva(D) Mitchell(D) Pastor(D) Flake(R) Franks(R) Renzi(R) Shadegg(R)

ARKANSAS

Berry(D) Ross(D) Snyder(D) Boozman(R) ,

 

CALIFORNIA

Speier(D) Tauscher(D) Waters(D) Waxman(D) Bono Mack(R) Calvert(R) Campbell(R) Dreier(R) Herger(R) Lewis(R) Lungren(R) Lofgren(D) Pelosi(D) Richardson(D) McKeon(R) George Miller(D) Radanovich(R) Zoe(D) Matsui(D) McNerney(D) Gary Miller(R) Harman(D) Honda(D) Berman(D) Capps(D) Cardoza(D) Costa(D) Davis(D) Eshoo(D) Farr(D)

Baca(D) Becerra(D) Filner(D) Lee(D) Napolitano(D) Roybal-Allard(D) Linda Sanchez(D) Loretta Sanchez(D) Schiff(D) Sherman(D) Solis(D) Stark(D) Thompson(D) Watson(D) Woolsey(D) Bilbray(R) Doolittle(R) Gallegly(R) Hunter(R) Issa(R) McCarthy(R) Nunes(R) Rohrabacher(R) Royce(R)

COLORADO

Tancredo(R) DeGette(D) Perlmutter(D)

Salazar(D) Udall(D) Lamborn(R) Musgrave(R)

CONNECTICUT

DeLauro(D) Larson(D) Murphy(D) Shays(R)

Courtney(D)

DELAWARE

Castle(R)

 

FLORIDA

Crenshaw(R) Putnam(R) Weldon(R) Hastings(D) Klein(D) Mahoney(D) Meek(D) Wasserman Schultz(D) Wexler(D) Boyd(D) Corrine Brown(D)

Castor(D) Bilirakis(R) G. Brown-Waite(R) Buchanan(R) L. Diaz-Balart(R) M. Diaz-Balart(R) Feeney(R) Keller(R) Mack(R) Mica(R) Miller(R) Ros-Lehtinen(R) Stearns(R) Young(R)

GEORGIA

Bishop(D) Marshall(D)

Scott(D) Broun(R) Deal(R) Gingrey(R) Kingston(R) Linder(R) Price(R) Westmoreland(R) Lewis(D) Barrow(D) Johnson(D)

HAWAII

 

Abercrombie(D) Hirono(D)

IDAHO

Simpson(R)

Sali(R)

ILLINOIS

Kirk(R) LaHood(R) Schakowsky(D) Bean(D)

Costello(D) Lipinski(D) Rush(D) Biggert(R) Johnson(R) Manzullo(R) Roskam(R) Shimkus(R)

INDIANA

Souder(R) Donnelly(D) Ellsworth(D)

Hill(D) Visclosky(D) Burton(R) Buyer(R) Pence(R) Carson(D)

IOWA

Loebsack(D) Boswell(D)

Braley(D) King(R) Latham(R)

KANSAS

Moore(D)

Moran(R) Tiahrt(R) Boyda(D)

KENTUCKY

Lewis(R) Rogers(R)

Chandler(D) Yarmuth(D) Davis(R) Whitfield(R)

LOUISIANA

McCrery(R) Melancon(D)

Cazayoux(D) Jefferson(D) Alexander(R) Boustany(R) Scalise(R)

MAINE

Allen(D)

Michaud(D)

MARYLAND

Gilchrest(R) Hoyer(D) Ruppersberger(D) Sarbanes(D) Van Hollen(D)

Cummings(D) Edwards(D) Bartlett(R)

MASSACHUSETTS

Tsongas(D) Markey(D) McGovern(D) Neal(D) Olver(D) Frank(D) Capuano(D)

Delahunt(D) Lynch(D) Tierney(D)

MICHIGAN

Upton(R) Camp(R) Ehlers(R) Levin(D) Dingell(D) Kildee(D)

Kilpatrick(D) Stupak(D) Hoekstra(R) Knollenberg(R) McCotter(R) Miller(R) Rogers(R) Walberg(R) Conyers(D)

MINNESOTA

Kline(R) Ellison(D) McCollum(D) Oberstar(D)

Peterson(D) Walz(D) Bachmann(R) Ramstad(R)

MISSISSIPPI

Pickering(R)

Childers(D) Taylor(D) Thompson(D)

MISSOURI

Blunt(R) Emerson(R) Skelton(D) Carnahan(D)

Clay(D) Cleaver(D) Akin(R) Graves(R) Hulshof(R)

MONTANA

 

Rehberg(R)

NEBRASKA

 

Fortenberry(R) Smith(R) Terry(R)

NEVADA

Porter(R)

Berkley(D) Heller(R)

NEW HAMPSHIRE

 

Hodes(D) Shea-Porter(D)

NEW JERSEY

Saxton(R) Sires(D) Ferguson(R) Andrews(D) Holt(D) Pallone(D)

Pascrell(D) Payne(D) Rothman(D) Frelinghuysen(R) Garrett(R) LoBiondo(R) Smith(R)

NEW MEXICO

Wilson(R)

Udall(D) Pearce(R)

NEW YORK

Slaughter(D) Towns(D) Velazquez(D) Weiner(D) Fossella(R) McHugh(R) Reynolds(R) Walsh(R) Meeks(D) Nadler(D) Rangel(D) Lowey(D) Maloney(D) McCarthy(D) McNulty(D) Israel(D) Ackerman(D) Arcuri(D) Bishop(D) Clarke(D) Crowley(D) Engel(D) Hall(D) Higgins(D) King(R)

Gillibrand(D) Hinchey(D) Serrano(D) Kuhl(R)

NORTH CAROLINA

Watt(D) Miller(D) Price(D) Etheridge(D)

Butterfield(D) McIntyre(D) Shuler(D) Coble(R) Foxx(R) Hayes(R) Jones(R) McHenry(R) Myrick(R)

NORTH DAKOTA

Pomeroy(D) ,

 

OHIO

Pryce(R) Regula(R) Hobson(R) Wilson(D) Boehner(R) Ryan(D) Space(D)

Kaptur(D) Kucinich(D) Sutton(D) Chabot(R) Jordan(R) LaTourette(R) Latta(R) Schmidt(R) Tiberi(R) Turner(R)

OKLAHOMA

Boren(D) Cole(R)

Fallin(R) Lucas(R) Sullivan(R)

OREGON

Walden(R) Hooley(D)

Wu(D) Blumenauer(D) DeFazio(D)

PENNSYLVANIA

Peterson(D) Kanjorski(D) Patrick Murphy(D) Murtha(D) Schwartz(D) Sestak(D) Doyle(D) Fattah(D) Brady(D)

Altmire(D) Carney(D) Holden(D) Dent(D) English(D) Gerlach(D) Tim Murphy(D) Pitts(D) Platts(D) Shuster(D)

RHODE ISLAND

Kennedy(D) Langevin(D) ,

 

SOUTH CAROLINA

Brown(R) Inglis(R) Wilson(R) Clyburn(D) Spratt(D)

Barrett(R)

SOUTH DAKOTA

 

Herseth Sandlin(D)

TENNESSEE

Gordon(D) Tanner(D) Cohen(D) Cooper(D)

Lincoln Davis(D) Blackburn(R) david Davis(R) Duncan(R) Wamp(R)

TEXAS

Granger(R) Brady(R) Sessions(R) Smith(R) Reyes(D) EB Johnson(D) Hinojosa(D) Edwards(D) Gonzalez(D)

Cuellar(D) Doggett(D) Al Green(D) Gene Green(D) Jackson-Lee(D) Lampson(D) Ortiz(D) Rodriguez(D) Barton(R) Burgess(R) Carter(R) Conaway(R) Culberson(R) Gohmert(R) Hall(R) Hensarling(R) Sam Johnson(R) Marchant(R) McCaul(R) Neugebauer(R) Paul(R) Poe(R) Thornberry(R)

UTAH

Cannon(R)

Matheson(D) Bishop(R)

VERMONT

 

Welch(D)

VIRGINIA

Wolf(R) Cantor(R) Tom Davis(R) Boucher(D) Moran(D)

Scott(D) Drake(R) Forbes(R) Goode(R) Goodlatte(R) Wittman(R)

WASHINGTON

Larsen(D) McDermott(D) Smith(D) Baird(D) Dicks(D)

Inslee(D) Hastings(R) McMorris Rodgers(R) Reichert(R)

WEST VIRGINIA

Mollohan(D) Rahall(D)

Capito(R)

WISCONSIN

Ryan(R) Kind(D) Moore(D) Obey(D) Baldwin(D)

Kagen(D) Petri(R) Sensenbrenner(R)

WYOMING

Cubin(R)

 

51st state to be named by Obama

?

?

52nd state to be named by Obama

?

?

53rd state to be named by Obama

?

?

54th state to be named by Obama

?

?

55th state to be named by Obama

?

?

56th state to be named by Obama

?

?

57th state to be named by Obama

?

?
Email ItEmail It | Print ItPrint It | CommentsComments (0) | TrackbacksTrackbacks (0) | Flag as offensiveFlag as Offensive

HI SUCKERS!

Well, Chicken Little screamed the sky is falling and a great many went running straight for cover and aren't coming out till they buy a $700 billion dollar umbrella.  So instead of debating whether a bailout is a good thing are not, the debate has been "how soon, and with what small print". But almost no one is saying, "wait a second".

God, those poor congress folks are tired, too.  You know they were up all night!  Our national celebrities aren't supposed to have to work hard.  This isn't fair to them, for sure.  But I guess... staying up all night to score a 700 billion-dollar check is sort of good compensation for a long night's efforts. Still...sooo tired.

OK, I guess it's not fair to call us all suckers.  Most citizens did not want this.  By far, most citizens don't like this.  Most citizens DO recognize a massive concern, but absolutely don't trust the mental midgets and self-serving deviants (who created this problem) to fix this problem. 

I know I feel like a sucker. Not because I "voted" for this bailout, or anything like that.  I feel like a sucker for letting myself believe for a moment, but there's even a handful of individuals in government trying at all to "represent" me.

But letting ourselves go along with the fastest possible effort to spend the hugest amount of money possible (and calling it a service to the people) - that doesn't make us the suckers.  No, it's our KIDS who are the suckers.  They're the ones who get to live in the toilet we've made out of our federal government; they're the ones who get to endure the inevitable corrections to the lies and distortions that we're doing so well at avoiding and obscuring.

I don't have kids.  It's really not my problem.  I'm just disgusted that others would treat their own children with such grotesque disregard.

But at least the Asian markets will be OK.  And that's the main thing, right?  I do want to make sure I understand our priorities here:

1.  The Asian markets
2.  Wall Street's perpetual success
3.  The US citizens and their disposable opinions

Right...?

Email ItEmail It | Print ItPrint It | CommentsComments (0) | TrackbacksTrackbacks (0) | Flag as offensiveFlag as Offensive

BAILOUT vs. NO BAILOUT: IS IT OBVIOUS?

This bailout is a distasteful process for all.  It feels rather like giving a life-long murderer a home and car in a nice neighborhood, under the witness protection program.  Maybe there's no other way, but something about it sits in the stomach very poorly.  I find myself quite biased against the idea; not as a matter of partisanship, but because those pushing it do reek of the sales tactics we ordinarily associate with shady used-car salesman.  It just gets my guard up.  I am inclined to favor those arguing for some degree of caution, or an incremental approach.  Anything else strikes me as some sort of opportunist jumping at the smell of a great moment for exploitation.  But let us explore the ramifications farther than is comfortable, and try to imagine things probably beyond anybody's prophetic ability to forecast.  My views are insufficient to define this mess, even for my own mind.  Please share the fears you harbor;  We all could use as much perspective as we can get in this matter.

 

This is about "CORRECTIONS". Here is a detailing of some corrections that are possible with the two strategies:

  BAIL OUT NO BAIL OUT

The cost up front:

$700 billion... for now.

Zero dollars... for tonight.

 

The real nature of the response:

The nation and its finances are given a large Valium pill, to ease the pain of the bad physical and mental health we are suffering.  Thus, we can turn off our immediate confontation with it, and focus on less unpleasant realities in an effort to believe things are better.  But, Valium is extremely addictive.

Our financial and political centers suffer a sudden and significant earthquake; shaking the flimsy structures, toppling shoddy construction and devastating aging and decrepit infrastructure.  Corrupt "building inspectors", "construction companies", and leadership which has failed to plan adequately will be ousted.  And the suffering will be fully felt as laws of nature and physics meet the realities of our delusions.  It will be unpleasant and sobering.  But either it will be us who experience this, or it will be our children.  It will be one of us.

 

The results:

We don't know.  We must hope and could easily assume some stability.  The strong undertones exist of a decidedly temporary quality to the measure, as expensive as it is.  And there is a looming sense that this is indeed, not the last check we will mail to this address.

Some assert we could MAKE money. Umm...I guess so, but then why didn't we do this a LONG time ago, hell - every 2 years, lets bail out some crap gramblers and make some money. Wouldn't that be sort of like "selling-short", that wall street device that rewards the champions of failure? The practice they're claiming we need to curb?

bad mortgages fail

bad banks fold

Bad government fails and is probably and hopefully driven out in a process just short of tarring and feathering

Profound financial distress necessitates immediate repeal and declining of corporate taxes and personal income taxes

Foreign money pulls out, and as such ceases to become the backbone of the US financial health.

Our massive debt forces proposals and smooth sales pitches for earmarks and governmental spending waste to fall suddenly on leaden ears in Congress and in the populace.

US involvement in external disputes and unrest will necessarily trail off for lack of funding.  The world will have to begin to turn to the other emerging leaders around the world for subsidies, the purchasing of friendships, human rights leadership, international welfare programs, and the like.  The globe (secretly delighted to see the U.S. fall ?) will turn for nuturing to nations like... China?  Russia?  India?  Venezuela?  In any case, the US will be dethroned from the mantle of global babysitter.

Extremist environmental movements will cease to have any significant power to block and inhibit industrial energy growth because of single owl concerns, or specific tadpoles.  The population will cease to lose sleep about such matters, and will grow quickly to wholisticly resent people who suggest these are primary concerns for the nation.

Social Security will get immediate intelligent reform, or dissolve at a time earlier than it otherwise would.

A systemic cancer of feuding and failing leadership in government and an infrastructure distinctly perverted from the spirit of its design will be necessarily aggressively dismantled and disassembled, sooner rather than later, as the angry citizenship is pushed to the point where they no longer have any patience for the ridiculous patterns repeated terminally during their life by their government.

$700 billion theoretical dollars remains "available" to apply to very specific applications where the results of the spending are more certain and predictable.

Credit begins to dry up, and credit cards will necessarily cease to be the primary source of "income" for the average American household.

Likewise, auto loan credit will dry up and the large silver Lexus SUVs will cease to be an optional display to your neighbor of enviable superiority.

As the population in government face financial distress, a government practically structured on a "help yourself to the cash pile" mentality will end.

Wall Street will suffer dramatically, and the US as a nation will be forced to cease to be reliant on Wall Street as their "Vegas craps table" used to finance a night in the Bellagio suite which we cannot actually afford.

Hard times will silence the whiners and the lazy, as few will have patience for those who are undeserving and trying to scam the system.

The get-rich-quick mentality associated with riding Wall Street and playing the markets will cease to be the most attractive path to personal advantage and gain.

College tuition will become more than arguably unreasonable and will become technically unreasonable, resulting in a drop in the cost of tuition and a subsequent dismisal of teaching staff who are radical or rediculous or self-important.

 

The conclusion?

It smells.

Its sure does seem to have come on fast. If the experts we are entrusting to know best are smart enough to perceive the right (and profoundly costly) course of action, then why weren't they smart enough to take some action before the absolute last available moment before complete collapse?

Someone who's being credited as an authority here is either an idiot, a charleton, or a liar.

Perhaps...a harsh, sobering, and sacrifice-heavy period of governmental and financial chemotherapy while our systems rid themselves of aggressive cancers of behavior and perversion - institutional cancers which WILL kill us at some point, if not actually addressed.

 

Email ItEmail It | Print ItPrint It | CommentsComments (2) | TrackbacksTrackbacks (0) | Flag as offensiveFlag as Offensive

SCAMS! (Why we can't save any money pt. 4)

Gosh it's easy to just be a good person and go about your day with a smile, huh? You don't have to be weary, or on-guard, 'cause between our government and our places of commerce, people sure seem to want to treat each other right. Except of course for that giant segment of our nation and the world that will never stop trying to scam you out of anything you own of value that you forget to clutch and hold close.

I guess you probably should be sorta careful. Maybe some folks aren't so good-hearted.

Like...Hey, how bout that happy letter from Nigeria. Most of us have received one; that e-mail or letter explaining how with a little bit of effort someone wants to mail us a hell of a lot of money. Is that....A SCAM??! Seems like they're almost always from Nigeria. Boy, do I have a good impression of Nigeria.

Certainly the most ubiquitous "soft" scam in the United States is FINE PRINT. When the hell in our legal history or legal system did fine print become superior and fully legitimized to supersede large print? This is ridiculous! If you receive a letter from a business saying in enormous print that for $10 they will give you a sandwich, and then in micro print buried on the back it says, "unless we decide not to", or "only between 2:30 a.m. and 2:31 a.m.", or "unless you have a name" -- somehow that seems to be considered functional! In any advertisement or contract this absolutely seems to be perceived as acceptable and routine. Well, it IS routine, but it's a crock! What if you're shopping and you buy a carton of what says in great big bold letters "MILK", and then getting it home you find on the back (in tiny vertical print) it says, "may actually be urine"??? Actually, in the food industry this is somewhat legitimate to sell intentionally mislabeled food. Think for example, "cheese food". In this case, apparently the word "food" is license for meaning "not what it says it is". That's a curious interpretation of the word "food".

I don't even have the courage to try and think of all the places fine print shows up to rob us and mislead us. And let's not kid ourselves, it's meant to mislead us. That's what it's for! Just think about any monetary contract, insurance agreement, etc. The critical fine print will inevitably be ESCAPE clauses to avoid providing you with what you're paying for. SCAM! At least the solution is not that complicated. New legal ruling: really big print takes precedence over really small print in all legal judgments! Because for some reason, it seems to be the other way around right now, and that's just, well...assbackward!!?!!!

 

Hey, so, what's this new thingy; "Identity theft"? ...WHEN IS THIS FINALLY GOING TO GET TREATED LIKE THE MONSTER IT IS?!! It's by far and away the most dangerous and likely-to-escalate scam of our day. What do we have to do? I would like to ask; if some hacker is going to do go online and steal social security numbers ANYWAY (for the ultimate purpose of identity theft), please at least target the members of our Senate and House of Representatives. I can't help but think, until these very individuals are themselves targeted en masse, that they just aren't going to take the kind of action which we need right away. We have very serious penalties against kidnapping, but what is identity theft except "virtual kidnapping"? A person could EASILY spend the best part of a year or more trying to climb out of the pit created when their identity is stolen and abused. You can't get on planes, you can't get credit, you can't correct your credit, you can't get the collection agencies to leave you alone; and that's just the beginning. Anyone who has suffered serious identity theft issues could surely tell us of MANY less conspicuous but exasperatingly painful results. I just can't figure out why I should have any patience for this kind of significant and brutal theft. As far as I'm concerned, if someone steals your identity, they should be targeted by a task force as serious as any other task force, and when the perpetrator is caught they should have to become your slave for a term determined by the courts - No less than a year! If that sounds like madness, how about we just re-embrace those public stockades in the town square. We can slap these criminals into the stocks for a month and throw tomatoes at them, fart in their face, whatever. Gosh, I guess I don't sound that tolerant. Wait till it happens to you, you'll agree.

Or - just thinking aloud here; How about when someone practices identity theft against you, you get the option of going on a MAD spending spree of your own and then PERMANENTLY DUMPING this identity they wanted so bad on them! No backing out of the arrangement for them! You get a brand new squeaky-clean identity, and they have to carry the baggage of anything you've ever done that was stupid or will be stupid up until that deadline hour. Might actually make it all fun...and profitable!

Luckily for me, I had a very healthy level of paranoia and cynicism before the Internet even became a part of my life. I have yet to fall prey to a significant online scam. But, I just can't imagine how the elderly and the web neophytes can survive in this parasite infested jungle. There are just so many people who couldn't care less how unfortunate the people are they're robbing, they will steal from ANY prey, if they can find a way. God help the elderly who go online!

Phone scams are at least familiar to most, and mostly these are just old-school versions of our online scams. The really mean ones have always been the scum who pose as charities and relief-aid for the sufferers of tragedy. By abusing people's compassion, these maggots make it very hard for legitimate relief to assemble. Some phone scams aren't very easy to spot or deal with; they're buried in the insanity of your billing! Raise your hand folks if you've seen large and mysterious collect calls appearing on your phone bill. Very hard to dispute. And from what I've seen, NEVER call a number with an 809 area code. If it's true what I've read about the cost of such a call, then it's a safe bet some other entities will inevitably initiate some other numbers for such lucrative theft. Be on guard.

The postal system likes to host some fun too; how many of those postcards, notifying you of the winning of an amazing sweepstakes prize, have YOU received? Why are they usually from Florida?!

Three pointers we all should know by now:

  • If you're selling something of value, don't ever put up with someone (usually from overseas) who just LOVES the item and wants to send you a check for MORE than the value. Just cut the tie right there, don't bother trying to figure out what the deal is or if maybe it's legit - its not.
  • If anyone ever says you've WON something - there should NEVER be any reason you need to send THEM money. OK? No "fees", "administrative costs", "tax costs". Get real, you haven't won anything but the chance to be more cynical (or perhaps forgiving).
  • Just don't give out your banking, Social Security, Medicare or credit card information to ANYONE who APPROACHES YOU! (By phone, fax, or email). MAYBE someday there'll be some legitimate situation which you'll complicate your life by not responding. Fine, deal with that SUPER RARE situation then. It'd be worth it.

I'll add a few more scams I see around me. Please help the cause and let me know what I'm leaving out.

  • Overly complicated auto insurance options, etc. Designed to try to get you to pay for aspects you simply don't need and will probably never need.
  • Wildly contorted and confusing phone plans. Designed (as far as I'm concerned) to camouflage built-in features and optional services which you don't want and never intended to pay for (often added without your knowledge or consent).
  • Credit card "extras". Showing up as monthly debits you might not notice, which are to pay for crap you never asked for nor authorized. (Like "credit card protection insurance" and other such useless nonsense which reap significant profits)
  • Quack medicine. Preying on the desperate. What can you say? But it's hard; maybe some of it works for somebody. Good luck.
  • Medicinal magnets, footpads which detoxify the entire body (how is that even supposed to SOUND legitimate). Hell, I know; some of you think it works for you. Whatever. Power to ya.
  • Psychics, fortune tellers, Dionne Warwick and her psychic-hot-line friends. Include with that any 900 number for nonsense. It's pretty much all a collage of scams, if you didn't know it yet. (Again, if you are a BELIEVER, well power to ya; who am I to talk you out of it. - Oh, and I wanted to tell you, you've won a big prize!! Email me and I'll give you the arrangements!)
  • Las Vegas. Sometimes called a city, but technically a scam. "Come play our games of chance. Play too well and we'll toss you and ban you. And TIP every living thing that comes within arm's length. That's our custom here. Let's see, the TAX on your hotel room is $35 a night..."
  •  Resort Vacation Promotions - (Free or low cost exotic vacation packages) Pretty mixed bag here. Maybe you'll be alright. Have fun.
  • Chicago parking restrictions (convoluted and undecipherable, they're revenue generators - pure and simple. Probably true of many/most other cities)

Lastly, I would like to point out something which you might not have perceived as a scam: Holidays. More accurately, holidays and shopping. Holidays are my favorite, and shopping in U.S. rocks! We enjoy good prices when one learns how to shop well, and we have such fantastic choice. But, we endlessly permit ourselves to be swept up in holiday shopping enthusiasm (which has been generated not by Santa clause and a consortium of kindly well-meaning holiday icons in the happy-holiday-Parliament, but by business associations who see big money in our vulnerable enthusiasm). I mean we have birthdays, Christmas, weddings, secretary's day, Valentine's Day... do you really have a choice about those crazy high-priced roses on Valentine's Day? Our credit card debt and shopping tendencies are always painted as some sort of selfish, out-of-control indulgence. But think about it; so much of the shopping we're doing year-round IS FOR SOMEONE ELSE! We're good-natured people; we're generous, we're thoughtful. Perhaps that's our "weakness". I think we need to cut back, to scale back the relationship we've ingrained between dollars spent and "love felt". Most importantly, I just think we need to remember how big a role Christmas and weddings and the like play in our use and abuse of credit cards. At least we deserve some compassion for the root of that debt.

So bust your butt to make an honest buck, save some of what the taxman and banks leave behind, and then sleep with one eye open the rest of your life... Because somebody out there can smell that money just sitting there...

 

.

 

©2008 king david caul

Email ItEmail It | Print ItPrint It | CommentsComments (0) | TrackbacksTrackbacks (0) | Flag as offensiveFlag as Offensive

We Need Banks and Credit... Unfortunately! (Why we can't save any money pt. 3)

I think we have a monetary "Lord of the Flies" scenario in our present banking institutions.  In a fiscal jungle seemingly absent of authority or law, there are a few banking institutions which appear to seek reasonable and ethical working relationships with their customers. But another more energized group has splintered, painted their faces with blood, and are dancing half naked around their fire in a savage, barbaric celebration of their powers in this free-for-all.  And as the author of the classic tale showed us, the "might means right" bad boys are destined to acquire the most valuable commodities, and as such will gain the defecting members of the honest and civil community, until savagery rules. It is a dark scenario.

Believe me; I never expected to make an analogy between Lord of the flies and modern banking.  But while many banks seem to trying to function in a civilized way, a huge segment of the banking industry seems to be turning savage and seeking the thrill of the hunt in pursuit of any profits it can collect, no matter how it will play out in the long term.

Obviously, nobody needs to be told today that a lot of lending and mortgage practices have been shady, risky, deceptive, questionably creative, etc. to the extent that we now see chaos in this realm.  Maybe this mess kind of gets rinsed away... or maybe it just suddenly fully implodes like a Los Angeles highway sinkhole, triggering lingering global banking disaster.  I'm sure I don't know. But as we've already witnessed, the taxpayer can often be relied on to cleanup the mess.  Anybody need a used interest-only loan?

Examing banks further; the fees we’re paying for accounts have nearly tripled in the past decade. Beyond the familiar maintenance fees and minimum balance fees, a NSF (nonsufficient funds) charge has reached $45, and bounced check fees now average $30.  ATM fees can be massive, and can be incurred from your own bank AND the ATM's host bank.  Some ATM arrangements may charge you as much as a $10 fee for using an ATM more than three times a month. Fees for check "stop payment” are typically $25, and returned-deposit fees of up to $10 might accompany the many resulting bounced-check fees.  We have seen the institution of fees to talk to bank tellers face-to-face.  Cashier's checks and money orders can now cost $10.  Payments by phone and copies of old checks can now incur significant fees. You may also see fees with some banks for the privilege of enjoying online banking services. And while you will probably be able to select a rush payment option for Bill paying, it can come at a price from $5-$15. Paying for retail purchases with a PIN card may incur additional fees.  Customers may be charged a $6 monthly fee for not having direct deposit. Wow. Be glad too, because there appears to be no cap for these fees, so maybe we should consider them low.

In addition to your significant overdraft fee (should you accidentally top your balance), you could see a cascade of these charges where you did not expect it.  That's because banks are allowed to change the order in which the checks clear.  Read that sentence again, if you didn't fully absorb it.  This could cause you to bounce numerous checks as opposed to one, in certain routine situations.

How about Credit cards?  Credit cards are so Lord of the flies.  I mean, there's so much savage antisocial behavior going on its mind-boggling.  It doesn't seem that some banks even CARE if waves of population pledge with their entire being to never do business with them again.  And some credit card practices of late seem designed to force their borrowers into default!  It's madness, right?

At this point, we ALL know ALL too well the dangers and the joys.  I'm going to skip any hypocritical lecture I might feel obliged to make about only spending what you earn;  I've toyed with credit way too much to pretend I'm clever with it.  For what it's worth, I escaped my Card debts and ain't never going back.  Not cause I'm so much wiser, but because credit cards are so much more EVIL than ever before. 

The really fascinating credit card aspect is the contract you have with your banking institution.  What the #$%&* ...Is there a single contractual relationship anywhere else in modern society where a contract means one-party must follow a lengthy explicit set of rules, and the other party retains the privilege of doing whatever they want, whenever they want, for whatever reason they feel.  This is fascinating in the most Jerry Springer-grotesque legal freak show sort of way.  It turns my stomach, and makes me want to gather the townspeople with torches and storm the banks in rage.  How in God's name is this legal?  Are we really this backward, in the 21st-century?  And let's not mince words, these multipage, super fine print, legalese documents which are our contracts in these lending arrangements, do tell with great precision the limitations of our rights as the borrowers.  But in no uncertain terms, buried deep within the sleep-inducing rhetoric, is the description that the bank/lender retains complete privilege to change the terms at any time; and to change our rates for whatever purpose suits them.  From what I've seen, I believe most of these contracts also bind us to arbitration, so that we are contractually foregoing our rights to ordinary, legitimate legal recourse should there be disputes.  And man, oh man, are there disputes.

(www.consumeraffairs.com/credit_cards/capitol_one.htm
http://www.epinions.com/msg/sec_~forums/show_~threads/cat_id_~24/id_~7481/forum_id_~160/pp_~1#posts)

Most of the disputes arise from abusive application of jaw-dropping penalties and fees, or the bank's precious caprice "Universal default". Many have already encountered the concept; the banks can, will, and are frequently jacking your annual percentage rate through the roof  (one card cited at 35%!), for no reason whatsoever.  By contract, they have retained this right.  They argue they do so for legitimate reasons.  For example, if your credit report has gone bad.  But, they don't mind doing it because...you are late paying your electric bill or mortgage, take out an auto loan, have an error in your credit report, are deemed to have too much overall debt, have too much available credit, or even make an inquiry related to a car loan or mortgage. Bank of America has gone further and is apparently also using an “internal criteria" that isn't even available to consumers for examination or understanding. And when you are subjected to a newly skyrocketed rate, the penalty you suffer applies not only to future charges but to all balances of your past charges. This is effectively a RETROACTIVE repricing!

And "fixed rates" aren't fixed. It simply means that they have to give you 15 days' notice before raising your rate. Better than no notification at all (variable rate), I guess. And it’s not our imagination that Grace Periods are shrinking. The average grace period now is about 21 days, some 20 (compared with nearly 30 days in 1990). And for any grace period to be "interest-free" the bill must be paid in full. If you pay 99% of the bill on time, you will still be charged interest on 100 percent.

How about that late fee? They've hit $39 mark, and they will be applied if your payment didn't arrive by a certain time on the due date. Late payments also typically trigger that 29.99% new APR. While online banking should help many avoid late fees, Providian and First USA stopped permitting payment by paypal. Other banks have been slow to shed FEES for online payments.  And it's quite perplexing that it takes so many days for some banks to process an online payment.  Apparently these companies aren't very familiar with these newfangled computery gadgets, and we’re going to have to give them time to get efficient with them.

Federal law requires that credit card issuers mail you your statement at least two weeks before the due date, but the mail isn't necessarily consistent and it is hard to know why the statement sometimes arrives with much less room for successful due-date achievement. You might try committing to memory the due dates of these bills, such that you anticipate them successfully! That is being taken into account, and consequently your issuer might suddenly shift your due date forward five days or so!  Do not turn your back on these people.

Card issuers are being discovered to resort to extremely unethical tactics to push you over the limit, and as such incur over limit fees (also hitting the $39 mark).
You might receive a balance transfer offer in the mail.  The terms are good and you mail it in with the request of transferring a large balance.  It is quite possible (if not likely) to receive a card with a much lower credit limit.  This will leave your new card practically maxed out from the moment you receive it.  It is almost inevitable that you will go over limit, and once again invite the application the over limit fee and of a new 29% annual percentage rate. Complaints are high concerning very low limit credit cards; these typically carry significant fees before any charges are even incurred ($59 annual membership fees).  Perhaps you will receive a card with the high credit limit you expected, but quite commonly the annual percentage rate will not be as good as advertised.  This is apparently due to some reevaluation and reexamination of your risk, as explained in some fine print.  In most business practices, this would be called "bait and switch".  There are accusations that you might be charged interest on a balance transfer well before the actual transfer takes place, effectively paying interest to both card issuers simultaneously for a term. Discover card has been accused of offering gorgeous balance transfer rates, but then requiring a minimum $25 purchase per month or you forfeit the rate.  These new purchases have a much higher rate and will be paid off last, of course.

Also, though you may be promised a "low rate for life" on your balance transfer, any new charges will not be at this low rate, and will be paid off last.  Balance transfer offers promising low rates often expire after six months as explained in the fine print. The maximum charge for making a balance transfer is being eliminated by some issuers; this could mean enormous fees for a large balance.  Lastly, look closely for fine print explaining that your low balance transfer rate will be void if you retransfer a balance within a year's term.  And of course, don't take it too seriously when you receive those familiar “pre-approved 0%” applications.

 Using cash advance options is very costly.  These charges now average 3% with a $10 minimum and NO maximum whatsoever.  They come with no grace period and the especially high cash advance interest rate applies immediately.  Your ability to pay this off is intentionally handicapped by applying any payments you make to your lower interest balance before they will be applied to your cash advance balance.  The convenience checks we receive will not necessarily be very convenient either, when you have to pay for them.  It is critical to examine the terms for these checks.  Often they are at the cash advance rate with full handling fee.

Some rather interesting new penalty fees have appeared.  Punitive higher rates have shown up for those who pay only the minimum every month.  You can also even be penalized for NOT using your card.  Some customers are being charged an annual fee because of their habit of paying their bill off every month.  You may find that there are transaction fees for calling the issuer's toll-free number.  Paying by phone can cost you a fee of $5-$15.  Especially unscrupulous card issuers have been discovered to generate a card cancellation fee ($25 in the case of Advanta bank).

A very dicey subject is the "TWO CYCLE DAILY AVERAGE" method employed quite frequently to calculate your monthly interest obligation.  This is a rather sneaky and complicated practice.  It primarily stings people who occasionally carry a balance over a few months.  Simplified, this method uses the average daily balance but calculated over two billing cycles instead of one.  If you carry a balance, it eliminates the benefit of the grace period and charges you retroactive interest on your purchase.  It may sound worse than it ends up being, but it can be gouging you with a misleading effective annual percentage rate, depending on how you’re paying your bill.  It can become particularly annoying when you're trying to pay off your last few dollars of debt and close your card.  You pay your entire bill; surprise new balance.  It just isn't ethical, whether it's harming you're not.

At one time, using a credit card overseas was a smart move monetarily.  Today, there is typically a 3% transaction fee, in addition to conversion fees.  This 3% fee can be incurred even if the transaction is conducted in US dollars.

Some more ugly new trickery is showing up from credit card issuers.  Some consumers are being offered a cash advance check or an opportunity to skip a month’s payment, and in a disgusting coincidence, they find their credit limit has lowered.  This puts them over the limit, with the subsequent fees and probably the arrival of a new annual percentage rate. Also, there has been a pattern of card issuers frequently changing the address to which payment must be made.  If you're not paying careful attention, you could easily overlook the change and inadvertently mail the bill to an outdated address, making your payment late, with all the fun that comes next.

Customer service over the phone can be a game of endurance.  It might also be an exercise in global linguistics and thick accents. If you have a dispute concerning your bill, you will likely be paying interest on the balance and the penalty fees even while the dispute is being investigated.  Waiting for the results of an investigation can be infuriating as you find new penalty fees resulting from your not taking action on the amounts in dispute.

Those with poor credit ratings can be the prey of very bad deals, resulting in a $300 limit credit card at high rates, with bizarre fee-based charges occurring before the card is even used for the first time ("Program Fee" and "Account Set-Up Fee", for example).
Credit cards associated with specific retailers (RewardZone MasterCard from Best Buy, issued by HSBC for example) have been found to charge a fee of 50% for a requested raising of a consumer’s credit limit!

“Credit Insurance” is a scam is used almost universally by the big credit card companies.  Nobody of any financial intellect will likely recommend this coverage.  Amazingly, this will not stop card issuers from signing you up automatically and charging you monthly.  You should practically expect it.  Similarly, the “disability insurance” is notoriously unlikely to help anyone who might actually need it.  There are cases of customers being charged for disability insurance coverage, even though they were never eligible to receive it in the first-place, and could never receive any payout.  Another form of insurance is “Theft insurance”.  This is unecessary if not insincere, as by law you are liable only for the first $50 at most, should your card be stolen and you report in a timely manner.

Finally, banks today have been guilty of seeking out people who recently emerged from bankruptcy.  They know that you will not be able to declare bankruptcy again in the near future, and the new bankruptcy laws lobbied through Congress now make bankruptcy difficult and costly.
You may notice so many credit cards are originating from Delaware or South Dakota.  These states offer laws favorable to these abuses and permit interest rates and fees that would be illegal elsewhere.  If you are abused by your credit card, perhaps we should boycott these states?

We're all so out of control, right? Well, you used to hear ALL THE TIME about how important it was to establish credit. Credit cards became a mandatory exercise in getting a credit rating underway. Who required us to have these cards? Banks. Nice arrangement.
We could not use credit cards at all perhaps, but good luck, and try paying for something online without one. And at this point, even if you pay off balances every month, you might get penalized for that.

 

 

.

©2008 king david caul

 

 

 


 

Email ItEmail It | Print ItPrint It | CommentsComments (0) | TrackbacksTrackbacks (0) | Flag as offensiveFlag as Offensive

TAXES impact us from every direction (Why we can't save any money pt. 2)

You're taxed when you earn your money. You're taxed when you enjoy your earnings. You're taxed when you invest your earnings. You're taxed when you own or attempt to own property. You're taxed when you purchase mandatory licenses. You're taxed when you pay for necessary utilities. You're taxed when you die.

And our Tax codes are FUN, aren't they? To be prosecuted or fined for not following tax laws that are too complex for common men to comprehend is fascinating. Send me to jail for breaking laws that are effectively designed for me not to be able to understand?

I don't think it's uncommon; many of us make a decent wage, and we live a modest lifestyle, but we fall into debt sooner than we rise into wealth. So what's the problem? Perhaps we suffer a delusion concerning what we make and what our dollars can purchase. Well, we're supposed to. Many of our taxes are well hidden. Many are truly supposed to be. After a genuine evaluation of our tax burdens, our purchases simply do not cost what we think they cost - and we don't earn what we think we earn.

I invite and request responses which correct or support any examples I assert, or otherwise set me straight!

Let's begin with some painfully obvious taxes:

  • Federal income tax (lots of variables, maybe zero, probably about 15%, maybe 28%+)
  • Social Security/payroll tax. (For most 7.65% on earnings. Self-employed pay 14.1 %. Employers match the individual rate; with decreased wages likely compensating)
  • State income tax (range from zero in 9 states to above 8% in 7 states)
  • Local income taxes (there are a few, from zero to 2.75%)
  • Corporate tax (Qualified personal services corporations at flat rate of 35%)

Then, there are some more unavoidable taxes:

  • Utilities. (water, gas, electricity, and ESPECIALLY telecommunications have significant taxation attached. Telephone federal excise tax, universal service fee tax, surcharge taxes. Telephone minimum usage surcharge tax, recurring and non-recurring charges tax, usage charge tax. Telephone state and local tax , and surcharge taxes - Can really add up)
  • Transportation (Auto sales tax, locality permits, Vehicle License Registration Tax, hidden excise taxes, Road Toll Booth Taxes , Toll Bridge Taxes , Toll Tunnel Taxes, public transportation surcharges)
  • Petrol - Gasoline Tax (Washington has the highest gas tax 36 cents / gallon. Federal gas tax was 18.4 cents per gallon)
  • Groceries. (state sales taxes, some pay little, some not so little)
  • Living in a home (property taxes; And they don't go away - They don't stop)
  • Death tax (The last laugh!)

And the routine and unrelenting SALES TAX (with a wide range; generally 4-8%, 5 states relieving citizens of the burden. Up to 10.25% in Cook Co, IL, 11.5% in Nevada). Gets us everyday in minor or major ways:

  • clothes
  • computers
  • Liquor Tax
  • cigarettes
  • indulgences
  • day-to-day needs, etc

Documentation/Permission taxes - licenses & permits taxes:

  • building permit
  • Dog License
  • Fishing License
  • hunting License
  • Trailer Registration
  • Watercraft Registration
  • Marriage License
  • Food License
  • Septic Permit
  • Well Permit
  • CDL license
  • Fuel permit
  • Corporation License
  • Amusements License
  • Alcoholic beverages manufacturer/sale License

Yet MORE additional taxes that might not come up, but we may well encounter them;

  • Hotel stay (up to 17%!)
  • Car Rental Taxes (average 8.24%)
  • Airline Ticket Taxes (8+% with additional flat fees per domestic segment and often a significant per person passenger facility charge )
  • Gift tax (begins at 18% and rise to 50%)
  • windfall gains ( lottery etc)
  • personal property tax (targeting cars, boats, aircraft, artwork, etc)
  • Recreational Vehicle Tax
  • sports
  • entertainment
  • mortgage
  • investments
  • Capital Gains / dividend
  • social security income ( if above total income thresholds of $25000 single or $32000 joint filing)
  • Inheritance
  • Federal excise taxes (motor fuels, tires, telephone usage, tobacco products, and alcoholic beverages, firearms, shells & cartridges)
  • Insurance Premium Taxes
  • IRS Penalties (tax on top of tax)
  • Luxury Taxes
  • Service Charge Taxes
  • School Tax
  • Vaccination Taxes

Some INDIRECT and/or HIDDEN taxes:

  • Lost interest on mandatory preemptive seizure of projected income tax obligation (if you pay income taxes, this likely includes you)
  • Shipping of the goods we use and buy.
  • property taxes on factory and warehousing
  • Workers Compensation Tax
  • Federal Unemployment Tax (FUTA)
  • Road Usage Taxes (Truckers)
  • yield taxes on timber cutting, etc
  • Severance Taxes on natural resources (from oil and gas to turpentine and timber)
  • import taxes (from garments to bicycles to strawberries)
  • Accounts Receivable Tax
  • State Unemployment Tax (SUTA)
  • Inventory tax IRS Interest Charges

It would be awfully hard to put a total amount or percentage to our taxation relative to our income. It is of course dependent on in which state you live, and the types of choices you make, the size of your household, etc... But it is safe to say, an enormous portion of our reward for hard work goes to taxation. Perhaps this would be satisfactory if we felt that we received excellent services in return; this would be rather debatable I suspect.

Help me out, I need assistance discovering and uncovering (or remembering) the taxes we enjoy. Point out the privileges I'm forgetting, please.

 

©2008 king david caul

Email ItEmail It | Print ItPrint It | CommentsComments (1) | TrackbacksTrackbacks (0) | Flag as offensiveFlag as Offensive

TIPPING IS A CROCK (Why We Can’t Save Any Money pt. 1)

At its core, Tipping is a long-term, evolving trend; which changes over time, culture, and location.

In the U.S., the trend has grown into a Frankenstein's monster. Worse than the discovery that the monster has the brain of a deranged thief,  we find the monster has escaped and is violently running amuck through our village. This trend of late is the ubiquitous tip sign: EVERYONE wants a tip now!

And now that the desire to receive tips (note that I did not say "earn" tips) has spread to everyone who can imagine the possibility, we approach a state of gratuity anarchy.  And the mentality surrounding tips has evolved; it’s not a sign of appreciation for good or exceptional service, it is an expectation.  Tipping well is something you are all but required to do.  I am even seeing arguments suggesting a standard 15% tip for bad service.  Apparently, recent economic uncertainty and trouble has already affected negatively the habits of tipping.  Probably...but it might also have something to do with the fact that people are getting completely fed up with the never-ending open palm phenomenon.

Culturally we've moved from debating whether tipping is a good idea or not, to the question of is 15% adequate, and should it be perhaps heading towards 25/30%. Why was tipping 10% appropriate at the beginning of the 20th century, but today only 20% is considered a complement? (Since the late 1970s, the going rate has been 15%)  The answer is; when you feed the monster, it continues to grow.

The  base standard of our new cultural etiquette demands:  if I touch something of yours, you should tip me (which I guess translates to: if you don't want me ruining and breaking your stuff, that costs extra.  I get paid for going through the motions, but refraining from ruining your stuff - that cost more). If someone touches your coffee, tip them.  If someone touches your luggage, tip them. If someone touches your food, your clothes, your hair, your skin, your nails, tip them.  If someone touches the door before you can, tip them! Deliver the paper, hand you a beer, write down an order - tip them!  Someone speaks to you?  Smiles?  Tip them!

 

So, the key, obviously; don't let people touch your things. The moment you own something - don’t let people touch it.  It creates a license for you to owe them money.

 

Tipping appears to have its origins in 16th-century England, and spread throughout European areas that had a servant class. This is somewhat ironic, as Europe has moved away from tipping and America has embraced it ridiculously. Early U.S. tipping practices were not well-intentioned! "Far from being perceived as a way of increasing the pay of service workers...was frequently seen as an employer strategy for exploiting workers, particularly black workers...When the Pullman porters organized into the Brotherhood of Sleeping Car Porters in 1925, one of the first things they did was to petition the Interstate Commerce Commission for an order prohibiting tips. " ¹¹

And tipping was not particularly welcome here, either; "The New York Times (1899, p. 6) claimed that the tipping practice is a wretched system … every tip saves the payment of wages to an equal amount… This throws a flood of light on the frequent assertions that the abolition of the tipping system is impossible. "¹ "The Washington Post denounced tipping as 'one of the most insidious and one of the most malignant evils' of modern life. Tipping was seen to foster a lord-and-vassal relationship that the prouder professions resisted. Well into the 1910s many bartenders refused gratuities as an insult to their status."²  "Gunton’s Magazine (1896, p. 16-17) called tipping offensively un-American, because it was contrary to the spirit of American life of working for wages rather than fawning for favors. It also stated that tipping did not favor the tip-receivers because their wages were reduced as a result of tipping"¹ And  there existed an Anti-Tipping Society of America, who from 1905 to 1919 succeeded in having the custom abolished in seven states; alas, it did not survive.

 

So… let's go out to dinner:  Our meal probably begins with some valet parking.  Once you walk-in (if you didn't have to tip some maitre'd handsomely for a table, and if you don't encounter another new trend requiring an entire party to be present before being seated), then you see in your menu the expense of your entrées and your drink, desserts and appetizers perhaps.  If you like wine with your meal, then be glad we're all rich, as the prices certainly have soared. You might notice another new trend which is showing up; a significant split fee.  Isn't that fun?  Add eight dollars to your plate, because you aren't going to eat it the way they want you to.  So, you begin to eat your meal, and taking a pause, you discover that many restaurants today are quite comfortable hustling you along; many hands will attempt to seize your plates if you stop working at them for even a moment  (Another lovely trend, but a bit off point). So then you get your bill, adding of course some delicious taxation.  Now comes your chance to be a good American and support this poor struggling institution of dining.  The modern world and our  nation's economy depend on you doing your part to embellish the wages of those who otherwise simply could not be paid -- and it simply isn't fair to let these wards of the populace do just all right, they must thrive.  And you must make it happen.  So think 20%.

 

Yes 20%... I know, it used to be 15% (and before that 10%) but this is adjusting for inflation you see.  Never mind that the cost of the meal is already adjusted for inflation, and therefore 15% of the adjusted price actually results in identical relative wage to the earlier eras; it is a matter of treating the nation's waiters in a manner that, well...boosts their self-esteem.  Yes that's your responsibility.

 

One thing that cracked me up is going on the web forums which you can find about tipping, and reading all the entries from restaurant wait staff moaning about how excruciatingly hard they work.  I can't tell you how many posts I've seen where a restaurant server has declared their job one of the most dangerous, stressful and difficult jobs there is.  That takes quite an imagination.  And don't tell me I don't know, years ago I waited tables in some seven different establishments.  Right, it has tuff moments - Unlike everyone else, who show up for work whenever, then put their feet up on the desk and eat cupcakes for a few hours before going home exhausted from telling jokes all day...It really isn't fair that waiters have to actually work.

 

Obviously, the job itself should pay a real wage!  Just what does minimum-wage mean anyway, if select service industries can make this peculiar arrangement?

 

OK, so anyone who wasn't around for the Civil War is probably accustomed to restaurant tipping.  Maybe that's not even the the real problem... maybe the problem is the list of everyone else we must now consider for tips in order to consider ourselves socially just and correct.  At the bottom of my rant is a list of the itchy palmers I can think of;  Please add to it if you notice omissions.

 

What are the arguments for tipping?

The gold standard of tipping arguments is that it directly relates to the quality of service provided.  No it doesn't.  That's nonsense. I spent the last year in Singapore, where tipping is flat-out discouraged (and you can't imagine how wonderful it is to be relieved of the unrelenting assault on your wallet and your guilt).  The service in Singapore is fundamentally no better nor no worse than in the United States.  Indistinguishable.  People do a good job because it's their job.  They care or they don't; and they lose their job or keep their job accordingly. If employers had to pay real wages would they put up with crappy staff? No, they wouldn't tolerate it. Wait staff would have to perform and keep clientele happy or find the door, just like in most any other employment situation. And restaurants that pride themselves on superior service would have to pay staff better to retain better servers, just like in any other employment situation. In addition, the two significant studies cited elsewhere show little relationship between quality of service and size of tip.  So it becomes increasingly meaningless with regard to expectations of good service.

"The argument that tipping is efficient is based on the assumption that customers tip according to service quality, whereas in reality there is only a weak correlation between service-quality and tip size. By far the most important factor that determines tip size is the size of the bill and there is no reason to think that the size of the bill is correlated with service quality...Moreover, most restaurants practice tip-pooling; that is, tips do not go directly to the staff who provided the service, but instead are aggregated and then distributed to all servers according to some formula. ... Tip-pooling reduces the incentive to provide good service that tipping allegedly provides, because each waiter has an incentive to free ride on the other's efforts by exerting less effort in providing good service as his or her tips will only be marginally affected" ³

And when service charges are included (as with a party of six or more), this logic and argument would suggest a complete collapse in the service you would receive.  Most of us know, that is just not the case.

Analysis has further concluded what is intuitive; that institutionalized tipping caused wages to decline!  (Usually this is an unacceptable trend to most.)  As these wages have become settled at a ridiculous low-end figure, the receivers of these wages complain of their financial disadvantage.  It hardly needs to be pointed out for the millionth time that they could pursue another job.  Of course for some that's a possibility and for some it’s a difficulty.  So moving past that, let me just ask how the struggling individuals expect to live in a society where they themselves will have to grease the palms of everyone else they encounter throughout their day?  Are you making great money or are you going broke, which is it?  If you're broke, then how do you expect to function in a society that expects the generous tip at every encounter?  Live by the sword, die by the sword.

While living in Chicago I did my best for years to tip generously.  I desperately wanted to be a welcome face in the establishments of my neighborhood.  Sadly, after years of eating out in the downtown Chicago scene, I don't know if I ever felt like my earnest attempts at generous tipping was ever remembered or even noticed  (aside from places where I was most definitely a regular).  Once everyone is expected to leave a minimum of 15%+ on every occasion, leaving a nice tip of 18 to 20% does not make you a hero to anyone. You are easily forgotten.  You're just another member of the congregation who relinquished  their tithe to alter of the service providers.  I'm afraid to say, generally you're only going to be remembered if you return with consistent regularity or you leave a bad tip (and no doubt, this will never be forgotten).

 

There is the argument that people should tip well because this is the way these people make a living.  But this is not a sufficient argument in and of itself; It is an explanation of the mentality, but not a good justification of the practise. What if another individual makes his living by avoiding all unnecessary expenses, like gratuities?  Each individual must take responsibility for finding a job that pays them directly and consistently in a manner they can live with.  It is nobody else's responsibility to compensate for the fuzziness or inadequacies of a contract between employee and employer.

 

And in this way, tipping can promote an antagonistic relationship  between the customer and the server;  why must the customer provide the restaurant’s employees an incentive to perform? The customer can discover a sense of resentment, being expected to accept the responsibility for paying the wage of someone who simply did their job.  This includes every instance where service was simply functional, lacking any flair or special attention.  It is a nuisance to regularly suffer the game-playing, mathematical test, and guilt resolution as an end to every meal.

 

And tipping is a very clumsy to comment on the overall dining experience; as this built-in method of evaluation ultimately affects only the server.  But what if the atmosphere and the food sucked?  You don't get to express your dissatisfaction with your tip!  And how are we supposed to reward good, exceptional, service if everyone is given a tip at every interaction? Then it’s not a reward, but an expectation; and thus there is no significant positive reinforcement when someone does something really special. Tips are not supposed to be an entitlement, they are supposed to be a gratuity. By virtue of the fact that is absolutely expected, it becomes essentially a publicly mandated subsidy, primarily benefiting the business owner at the expense of their employees.  And the employees will further lose less conspicuous benefits which ordinarily accompany a job in the US; Social Security benefits properly correlating to the actual time invested in your job, health care benefits, vacation days, etc..

 

Tipping researchers "Ayres et al. and Michael Lynn...showed that tipping may facilitate prejudice... tipping facilitates significant tax evasion. " ³

 

"The bottom line is if you don't want to pay a gratuity for a service performed for you, don't use the service. " Is an actual quote from louseytipper.com. It is ironic, as this same individual was complaining that the government is grabbing 8% of wage. The IRS is grabbing twice that from rest of us.  This hypocritical argument "if you don't want to pay for the service, don't eat out", would equate to "if you don't want to pay the government tax bill, don't live in this nation".  This argument ignores the reality that we don't mind paying for what we get, were simply sick of this tipping structure and mentality.  We don't feel are getting our moneys worth, and we don't like it.

 

The economic arguments against tipping are strong, payroll taxes are not the only taxes evaded when cash tips are not reported by waiters, sales taxes are evaded as well. If the service component is charged separately, through a tip, it does not appear in the bill, and sales tax is evaded. "A mandated switch to a service charge will not only reduce opportunities for discrimination as suggested by Ayres et al., but may also significantly improve tax compliance." ³

 

So, what are solutions?  Let's begin enforcing minimum wage laws, without exceptions for these "special case" scenarios.  What's this $2.15 wage anyway; it’s an amount PERFECT for the government to snatch for covering your presumed tax obligation. (If the government said employers could pay wait staff  NOTHING, then there’d be no cash to grab!)  It's an unacceptable arrangement.  Wait staff must begin receiving real wages. As government institutionalized tipping-dependant structures are disassembled, the rampant escalation of tip greed into every other field would begin to die (either by public resistance or practitioner embarrassment). The mandated service charge needs to appear on our checks.  At that point a tip would be a meaningful and optional expression of true thankfulness.

 

And the rest of the world won’t find our cities so frustrating.

 

Modern folks (or extorting pirates, depending on your point of view) who expect and/or deserve tips in the U.S. -  As collected from several web sites that claim "expertise" (whatever the hell that means) in these refined social etiquettes. These are NOT my suggestions! My feelings are in the parentheses:

 

·                     Maitre'd - go ahead and splurge. (Yes, that's what one site recommends. And sure, why the hell not; We're all just MADE of money, and Maitre'ds add so much to our lives!)

·                     Headwaiter/captain: May get a cut of table server's tip; so tip your server extra to reward captain, or tip captain separately (Even MORE surcharge at the restaurant!)

·                     Bartenders: $1 for beer or wine, $2 for mixed drink, or 10-20% of bar bill

·                     Sommelier or wine steward: 15% of cost of the bottle

·                     Coatroom attendant: $1 - 2 per coat

·                     Washroom attendant: 50¢ -  $1

·                     Buffet Waiter staff: 5% - 10%  At least $1 per head if you get your own beverages. If you order beverages from the server, then you should tip 10-20% (20%!  Thanks for the drink!)

·                     Carryout /Take-out counter: $1 -  $2, 5-10% percent if they show you the food and offer complimentary items.

·                     Food delivery person: $2 minimum. 10%-20%

·                     Pizza Delivery $2 - 5 or 15% to 20%, whichever is greater

·                     Coffee/food retailers w/ tip jars: Tip is optional.

·                     Catering Server: $20 /server. 

·                     Bellhops - $2 minimum  $1+ per bag  $10 for bringing you to your room with luggage; $5 dollars for opening and showing the room .

·                     Bellman (As offered by some D. Moritz ) "If you carry your own bags when you stay at a hotel, you are a loser. You should tip your Bellman EVERY TIME he touches your bags. $5 MINIMUM - $20" (Bite me Mr. Moritz)

·                     Hotel housekeeper/Maid service - $2 - 10 per night. 

·                     Concierge - $5 - $10 . If the concierge suggested and made reservations for you then $20 - $25.

·                     Doorman - $1 / bag or $2 for hailing a cab,  $1 per person

·                     Room Service: 15% - 20%

·                     desk clerk: special services given  - $5

·                     Pool Attendant $1 - $2 for each service -towels or lounge chairs

·                     Valet Attendant: $2 - $5 for each trip to car, more dependant on weather or location

·                     Limousine driver: 20%

·                     Motor Coach Tours  : $1 - $2 /person /day.

·                     Tour Guide / Bus Driver Day Trips Only  $10-15% of the tour cost , $1 to $2 /person /day.

·                     Cruise Ship cabin steward: $3 - $3.50 /day per person

·                     Cruise waiter: $3.00 /day per person

·                     Cruise bus boy: $1.50 /day per person

·                     Cruise cabin boy, bath steward:  5% -8% of total fare divided among them,

·                     Cruise bar steward, wine steward:  15% tip added to bill automatically

·                     Chartered Flights Pilots:  $50-$100+/pilot. Ground Crew extra

·                     Skycap at airport: $1+ / bag curbside; $2 / bag if skycap takes bags to check-in counter.

·                     Electric Cart Transport: $1 - $2

·                     Train Sleeping Car Attendant $3 - $5 / passenger / day

·                     Courtesy Shuttle Driver :  $1 - $2 / person, or $4 - $5 per party

·                     Taxi drivers: 15%-20; an extra $1 to $2 for help with bags

·                     Parking attendant: $1 - $2. If attendant helps with luggage/packages $5 is customary

·                     Gas station attendant: $1 - $2 for pumping gas, $5 for pumping gas and checking fluids

·                     Tow truck operator: locked out of car $5 to $10. Jump Start / Tire Change $3 - $5 , Tow $5 - $20

·                     Mechanic - $10 - 20+ for jobs over $500. , $50 for jobs above $500

·                     Barber/Hairstylist: 10-20%, . "If you do not get your hair cut often, then $5" (Why? Because you owe them a living?)

·                     shampoos personnel: $1 - $5

·                     Manicurist 15%

·                     Spa service 15-20%

·                     Masseuse 10-20% for a one-hour massage (note the tendency to claim your medical benefits and their medical professionalism, yet exercise the extremely unprofessional medical practice of accepting tips)

·                     nutritionist: see above

·                     alternative medical practitioner: see above

·                     Movers: $10-$25 / person. One Person Job $20 - $50

·                     Furniture deliverer: $5-$20. /person 

·                     Building superintendent: Varies

·                     Handyman: Tip is optional.

·                     Contractor Foreman: $50

·                     contractor labor: $30 /worker

·                     dry cleaner:

·                     Lifeguards

·                     ski/snowboard instructors 15-20% . minimum $5 per student

·                     Grocery store bagger: $1 - 3.

·                     butcher

·                     Flower delivery: $2 - 10

·                     Shoe-shiner $2 - 3

·                     Showroom Maitre d': $1 - $2 for preassigned seats. For unassigned seating, you may tip according to where you want to sit. Usually a tip over $50 will guarantee your seat. (I should freakin hope so!)

·                     Sports arena usher: 50¢ - $1 per party if shown to your seats

·                     Clown at children's party: $15 - 25

·                     Dog groomer: 15 %, $2 / dog minimum

·                     Disc Jockey: $1/song.  $5 - 10 for immediate service.

·                     Exotic Club Dancer: sit at the stage minimum $3/song/person.

·                     Tattoo Artist $10-$15 minimum for a $150 tattoo. $20-$50 minimum for a $200 or above tattoo

·                     Casino Blackjack Dealer: $5+ per session. Also it is common to place a bet beside yours for the dealer. (WHY?!)

·                     Craps Dealer: place as much as 10% beside your bet

·                     Drink Waiters: $1+/drink

·                     Keno Writer/Runners: $1 when they first run your ticket, more if you play a lot.

·                     Poker Dealers: $5/session, win or lose. Winners should tip at least $10 (But don't subtract that from the IRS totals folks - they consider it YOUR money)

·                     Roulette Dealers: $5+/session

·                     Slot Attendants: $1 - $2 when they repair your machine, fill it with coin, etc. (Even though that really isn't personal service, now is it?)

·                     Slot Machine Changer: $1+/change served, 10% on a jackpot

·                     Casino security Officers: allowed to accept tips and do greatly appreciate them... (Um, why wouldn't they. I can think of reasons why they SHOULDN'T accept tips)

·                     Casino Cashier: 5% of your cash out if you have a big win. (Guess after all the tips it won't be as big as you thought!)

·                     --- just a question: do the casino staff feel any urges to tip ME if I LOOSE? --- Remember the era when going to Vegas was supposed to be cheap? SOOOOO over.

·                     Weddings: Gratuities are almost always added into the final bill, (but is it then proper to tip the servers? Guess what they suggest) customary addition amount would be up to 15%. This would also include catering managers, hotel banquet managers, waiters, waitresses, bartenders and bridal consultants.

·                     wedding Coat Room Attendants: 50¢/guest.

·                     wedding Florists, Photographers, Bakers, Musicians: only for extra special services, up to 15%. (Why, what'd they do wrong?)

·                     wedding Civil Ceremony Officials: you may find a "suggested" donation . average gratuity $50 - $75. additional for travel.

·                     wedding Clergymen, Rabbis, Priests: $75+ donation is considered proper

·                     wedding Organist: $35 - $50 for each person if not included.

·                     wedding DJ: $25 - $100

.

SPECIAL CONSIDERATIONS!!!! Holiday Tipping!!!!

·                     Newspaper delivery or garbage collectors : $15 to $25

·                     Dog walkers, nannies, or cleaning services: one week's pay +

·                     Manicurists: $10 to $50

·                     Hairdressers: $25 to $100

·                     Apartment Building Staff

·                     Custodian $20 - $30

·                     Cleaning Person - $75

·                     Doormen $25 - $100 each.

·                     Gardener/Yard Worker - $50

·                     Handymen $20 - $30 each

·                     Superintendent $30 - $100

·                     Health Club or Spa / Locker Room Attendant(s) $5 - $10

·                     Trainer(s) $50

·                     Baby Sitter two nights pay or more, maybe a gift as well

·                     Full-time Nanny - $270

·                     Beauty Salon : cost of a regular session plus a gift. No less than $5 per staffer.

·                     Day Care Service $15 - $25 and a gift

·                     Garbage Collector(s) $15 - $20 each

·                     Mail Carrier - The USPS asks that gratuities have a cash value no more than $20 and a letter of appreciation to the supervisor.

·                     Newspaper Delivery Person  Daily delivery $15 - $25

·                     Parking Attendant(s) $10 to $20+ dollars each

 

Who gets left out  (and some for GOOD reasons - but it just starts to seem like discrimination, doesn't it?)

·                     Receptionists

·                     Tech support/customer service (pop them $20-40 thru paypal?)

·                     airline in-flight personnel

·                     fast food service ("service" being the phenomenally operate word of the debate, right?)

·                     Bus drivers

·                     Theater ushers

·                     Cinema ticket takers/snack counters personnel

·                     Museum guides

·                     Salespeople in general

·                     bank service personnel

·                     loan application personnel

·                     tax preparers

·                     financial advisors

·                     lawyer

·                     Internet installer

·                     blockbuster floor help (helps you find Shrek 3, hand over $2)

·                     police officers

·                     Doctors

·                     Nurses

·                     government workers (generally illegal and considered a bribe)

 

 

Argentina - Tipping officially illegal, but waiters expect a small tip

England - 10% if no service charge

France - Up to 10%

Japan - Tips are viewed as insulting

New Zealand - None

South Africa - 10% if no service charge

Thailand - None

 

 

 

1)  "The history of tipping—from sixteenth-century England to United States in the 1910s", Ofer H. Azar

2) "The history of Tipping", Eric Felten

3)  "THE CASE AGAINST TIPPING", Feb-06 Yoram Margalioth

11) "To insure prejudice: racial disparities in taxicab tipping", 01-MAY-05, Ayres, Ian ; Vars, Fredrick E. ; Zakariya, Nasser

 

©2008 king david caul

Email ItEmail It | Print ItPrint It | CommentsComments (1) | TrackbacksTrackbacks (0) | Flag as offensiveFlag as Offensive
« Previous1Next »