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Old 02-10-2011, 10:01 AM  
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And as if paying people crappy wages and keeping them away from decent medical coverage or any hope of retirement, they try to increase their profits to an even higher level, with things like this!
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Old 02-10-2011, 10:03 AM  
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Sounds like you are anti-supply and demand. And Anti-profit.
I do believe that the "supply" of workers is somewhat large compared to the demand. This may in part be a result of further automation and the higher productivity per man hour. I do not know what that means for the future, but I do not expect companies to NOT increase efficiency just to keep more people in jobs. Businesses are similar to individuals in the respect that they want to get the most for the least. That is human nature.
Let's say you were having sod put in your yard or something. You found a decent deal where a guy would come out with a "roller" that rolls out the sod. You find another deal where for 2x as much, 4 guys come out and lay sod one strip at a time. Which one would you do?? Just wondering. I know which one I would do.
Corporations are not much different. If the higher ups didn't do this, they would lose their jobs (for good reason!).
Oh, and if the employee doesn't make a "living wage" (whatever that # is supposed to be) then LOOK FOR ANOTHER JOB! If you don't have competitive skills, then who's fault is that? Oh, can't place the blame......Too much accountability.
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Old 02-10-2011, 10:18 AM  
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Let's go play by play here.........First, I might come off as a socialist. Not so. I am however in favor of RESPONSIBLE capitalism. I realize that a company needs a reserve to keep competitive. And I also believe that you can only have so many chiefs and the rest has to be indians. I think that when you have CEOs making a very comfortable salary, as in millions, plus stock options and multi million dollar bonuses, while the employees make little to nothing, but that living wage we discussed earlier, if even that....Yeah, I think it's wrong. Doctors work their butts off and earn good money, and that's to be expected. But someone has to file the paperwork answer the phones and mop the floors, let alone build the building in the first place, so to go out and get a better job is great, but sir, someone still has to come in and clean the floors, and I think, and perhaps, well, totally incorrectly, that the person cleaning the floors should have the chance at paid vacations and a decent income with medical oppotunities and maybe a retirement. No one is so frigging important or great that they deserve a several million dollar bonus, while people under them doing the labor, struggle to survive, supplimenting their incomes with credit cards! . I'm sorry, but as a moral principle, I feel it's wrong! And I also feel it's wrong to employ illegal Mexican labor for next to nothing, or to pay Chinese workers 18 cents an hour while you make a killing. No laws against it, but I think it's wrong. That is all!
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Old 02-10-2011, 10:39 AM  
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Originally Posted by Musicinabottle View Post
Let's go play by play here.........First, I might come off as a socialist.
I never said you sound like a socialist. Do you think you sound like a socialist? (Please do not be offended. I don't want you to take this stuff too personally..)

Quote:
....when you have CEOs making a very comfortable salary, as in millions, plus stock options and multi million dollar bonuses, while the employees make little to nothing,
The CEO has likely situated himself in a position of haveing high demand skills therefore he shall earn what the market will bear.

Quote:
Doctors work their butts off and earn good money,
Again, positioned himself just so.

Quote:
.... struggle to survive, supplimenting their incomes with credit cards! . I'm sorry, but as a moral principle, I feel it's wrong! And I also feel it's wrong to employ illegal Mexican labor for next to nothing, or to pay Chinese workers 18 cents an hour while you make a killing. No laws against it, but I think it's wrong. That is all!
I cannot disagree fully about the chinese and Mexicans. Except for the fact that like I mentioned earlier, if the people (ALL of us) buy the less expensive products then the makers will use the cheaper labor. Do we, the american people, really expect the corporations to be the better party in the deal and hire more expensive labor on principal?? That even SOUNDS silly doesn't it??

What bothers me about the Mexicans is the illegality of it (that's a whole other topic).


Oh, and as far as people "supplementing" their income with credit cards?? If they have cable, a cellphone, or a car payment then I have ABSOLUTELY NO sympathy for them. (And I am aware that that is not always the case) Personal decisions make most of the difference in peoples lives.
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Old 02-10-2011, 12:48 PM  
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Originally Posted by YelloJeep View Post
I blame much of it on the government trying to "encourage" wider spread home ownership. All it did was put a bunch of people who couldn't afford homes into homes. And as an unintended consequence it put people who could afford homes into homes they couldn't afford!
I really hate that the government put a gun to my head and forced me to buy a home that there was no way I could afford, and only bought it with the hope the housing bubble would not pop until the house was sold and I made a huge profit on it!
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Old 02-10-2011, 01:06 PM  
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Part of the problem is that the government is encouraging bad behavior by bailing out those that made bad decisions.

I heard on the news this morning of a $2 BILLION fund to reduce the principle on loans. Those who bought what they could afford don't get a penny.

If I bought a Ferrari and couldn't make the payments, no one will feel sorry for me, but if I buy an expensive house and can't afford it, then the tears stream and it is a bad thing if I get tossed out so that someone who can afford can buy it. Part of the reason for the housing prices going up so high was because of the interest only, variable rate loans. When I bought my house the online calculators said that I could earn half of what I was earning and still qualify. The ONLY way that would have been possible is if I had no other expenses and was willing to not save a penny. I got a fixed rate loan because I did not want the payments to go up, but those who got the low teaser rates made out, now they want money from others.

People are voting for politicians who give them something. How can you have a "right" when someone else has to pay for it? If that is ok, then I have a right to eat, so I want free food. I have a right to have shelter, so I want a free house. Where do I get all MY free stuff? The next question is who has to pay, but what do I care if I get all I want for free?

The cash for clunkers is a prime example. We all get taxed to pay for it, but only a few can make use of it (.3% if I remember correctly). No concept to what it would do to the used car market, not concept to putting people further in debt. But it sure made those who got the money happy.

As to helping those who need help, it is not the responsibility of the government. People can give money to charities which can help those people. A while back I saw people standing in line to get signed up for Section 8 housing (or something like that) which would cost them almost nothing, but you saw most of them talking on cell phones. If they can afford cell phones, then they should not get any services paid by the rest of us. A cell phone, big screen TV, etc. are NOT a right.
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Old 02-10-2011, 01:11 PM  
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Greenville, SC
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Originally Posted by havasu View Post
I really hate that the government put a gun to my head and forced me to buy a home that there was no way I could afford, and only bought it with the hope the housing bubble would not pop until the house was sold and I made a huge profit on it!
Hey, I agree there were PLENTY of people out there that took the loans that shouldn't have. All I am saying is that the banks had things in place to weed out (SOMEWHAT) the folks who couldn't pay. Then the government said "hey, we want wider spread home ownership" so they made the banks change things up a little (making it easier to get loans)..Opening the door..... banks and investors saw that door open and walked right through it. They realized ALOT of money could be made..... There were alot of things going on. All of them contributing to the problem. The two I blame the most are the gov't intervention and the folks who CHOSE to buy more house than they could afford.

I will be honest with you.... I don't make much money. But I did take on more home than the bank SHOULD have let me (FIXED RATE ONLY!!)My wife was working so it was fine. Now, with kids (and wife not working), my mortgage is about 1/2 my take home pay (which isn't that much..)... But you know what? I have learned to forego the cable, the FANCY phone packages, the Internet (at home)... Also, I have money saved in case I were to lose my job.

For someone like me, who doesn't believe in car payments, credit cards, more stuff than I can afford.... It works out. MY CHOICES. There are others out there who will not or did not make those types of choices. I don't have much sympathy.

I think I veered off course again....Oops
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Old 02-10-2011, 01:14 PM  
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Greenville, SC
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Quote:
Originally Posted by MistDaemon View Post
Part of the problem is that the government is encouraging bad behavior by bailing out those that made bad decisions.

I heard on the news this morning of a $2 BILLION fund to reduce the principle on loans. Those who bought what they could afford don't get a penny.

If I bought a Ferrari and couldn't make the payments, no one will feel sorry for me, but if I buy an expensive house and can't afford it, then the tears stream and it is a bad thing if I get tossed out so that someone who can afford can buy it. Part of the reason for the housing prices going up so high was because of the interest only, variable rate loans. When I bought my house the online calculators said that I could earn half of what I was earning and still qualify. The ONLY way that would have been possible is if I had no other expenses and was willing to not save a penny. I got a fixed rate loan because I did not want the payments to go up, but those who got the low teaser rates made out, now they want money from others.

People are voting for politicians who give them something. How can you have a "right" when someone else has to pay for it? If that is ok, then I have a right to eat, so I want free food. I have a right to have shelter, so I want a free house. Where do I get all MY free stuff? The next question is who has to pay, but what do I care if I get all I want for free?The cash for clunkers is a prime example. We all get taxed to pay for it, but only a few can make use of it (.3% if I remember correctly). No concept to what it would do to the used car market, not concept to putting people further in debt. But it sure made those who got the money happy.

As to helping those who need help, it is not the responsibility of the government. People can give money to charities which can help those people. A while back I saw people standing in line to get signed up for Section 8 housing (or something like that) which would cost them almost nothing, but you saw most of them talking on cell phones. If they can afford cell phones, then they should not get any services paid by the rest of us. A cell phone, big screen TV, etc. are NOT a right.
.......:we lcome:

That's what I'm talking about!!
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Old 02-10-2011, 01:16 PM  
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^^ That is a big + 1 for your thinking. I feel the same way when I'm at the checkout line at the market with my chub of hamburger meat and a box of Hamburger Helper. I then watch the guy in front of me purchasing a 1.75 ML of Johnny Walker Red, and a filet mignon, and paying with food stamps (AFDC Card).

We need complete reform, so those who really need help get the help they need.
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Old 02-10-2011, 01:45 PM  
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Greenville, SC
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Originally Posted by havasu View Post
^^ That is a big + 1 for your thinking. I feel the same way when I'm at the checkout line at the market with my chub of hamburger meat and a box of Hamburger Helper. I then watch the guy in front of me purchasing a 1.75 ML of Johnny Walker Red, and a filet mignon, and paying with food stamps (AFDC Card).

We need complete reform, so those who really need help get the help they need.
Yup. Where did the other folks go? We don't want to just keep agreeing... That is not a good way to debate...
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