From HousingWire:
Median home prices finally pass housing boom levels, hit all-time high
Home prices hit a new all-time high, finally surpassing the pre-recession peak, according to the Q3 2016 U.S. Home Sales Report from ATTOM Data Solutions, a source for comprehensive housing data and the new parent company of RealtyTrac.
In fact, the median home price increased 6% monthly to $230,000 in the third quarter, and is up 10% from last year. This is 1% above the pre-recession peak of $227,000 in 2005 and an all-time high in home prices.
“We are seeing the average seller home price gain since purchase start to wane in some of the highest-priced markets where appreciation is beginning to cool, indicating those markets are past their prime as sellers’ markets,” said Daren Blomquist, ATTOM Data Solutions senior vice president.
“Meanwhile there are still a number of buyers’ markets across the country where a high level of lingering distress and relatively weak demand from owner-occupant buyers provides investors with plenty of bargain-buying opportunities,” Blomquist added.
My “team” is the United States.
And my team will NEVER vote for Trump.
@StephenKing
Trump:
Sexist oinker,
tax dodger,
draft dodger, pal of Putin,
racist,
serial liar,
ANNNND…Republican candidate for president!
Tywin says:
November 2, 2016 at 11:07 am
My “team” is the United States. Open borders is bad for my team. Lobbyists and donors are bad for my team. Career politicians who never held a real job, made payroll, or managed anything, are bad for my team. Moronic trade deals that reward companies for sending factories and jobs out of the country are bad for my team. Politicians that subvert the Federal Records Act and Freedom of Information requests are bad for my team. Hillary is bad for my team.
“people just pick a team and argue/defend their said team to no end.”
Grim, RE: the gas tax, my point yesterday was that the state cannot borrow money unless they have a dedicated revenue stream…without it, they need to put a referendum on the ballot and have it approved by the voters.
So, if you don’t give them the money to secure the debt, they can’t borrow the 12 Billion dollars.
http://www.gibbonslaw.com/recovery-zone-bonds-offer-opportunities-for-county-projects-and-private-industry-11-18-2008/
Dedicated Revenue Stream = A Tax
Which they have, delivered by both the Democrats and Republicans, signed by Christie.
It’s already law.
Without the constitutional amendment, they can borrow against it, or spend it any way they wish.
I understand what you are saying against borrowing against the revenue source, but that’s already done, the constitutional Yes or No Does Not Change That.
Guadagno’s position is that somehow, voting no, will require legislators to go back and reevaluate the law. Perhaps even repeal it.
That is absolutely not the case.
Does it (the gas tax increase) not have to be dedicated to the TTF?
Yesterday regarding real estate investments…YOUR HOME IS NOT AN INVESTMENT!
Plenty of safe ways to make money in real estate investment if you know how. Most people don’t know how.
Puzzy,
Are you going to have p1ss running down your leg when you push the button for the w1tch? And what does “stronger together” mean? Is that a battle cry for the layabouts? Or, is that what the arresting FBI officer is going to mutter to his buddy when they put heavy duty shackles around Hillary’s meaty cankles? Lol.
I thought the TTF bill said that the borrowing must be against constitutionally dedicated revenues.
“The payment of debt service on transportation program bonds and any agreements issued in connection with such transportation program bonds shall be paid solely from revenues dedicated pursuant to the New Jersey Constitution, including Article VIII, Section II, paragraph 4, and deposited into the “Transportation Trust Fund Account – Subaccount for Debt Service for Transportation Program Bonds.””
http://www.njleg.state.nj.us/2016/Bills/AL16/56_.HTM
If you don’t give it to them, they can’t borrow it.
Gas Price Compare..I looked at Wayne Costco Regular vs Staten Island: NJ is still 30 cents cheaper. I compared vs West Chester, PA..we are still 20 cents cheaper..how did that happen? Premium in S.I. is $3.09
What is that “8 year” time period attached to the gas tax?
Does it go away after 8 years? Or do they calculate they will bond and run out of ability to pay the bonds after 8 years?
Question for the IT guys on the board. Can any of you recommend a hard drive data recovery company? Family member had an external drive go bad with family photos on it. Took the external drive case off and plugged directly into a motherboard and still was no go. Would appreciate a recommendation.
Does it (the gas tax increase) not have to be dedicated to the TTF?
Only $200 million of it, as the current law states.
We’re back here again in 8 years. No more money for roads…which means more borrowing and more gas taxes.
I don’t see how motor fuels taxes alone does the job in 8 years. I imagine they’ll have to have a usage tax…that taxes miles driven.
If you don’t give it to them, they can’t borrow it.
They can bond based on revenues dedicated to the general fund.
You want a hypothetical possibility? They borrow $12 billion dollars, which is a number based on what the maximum borrowing capacity is given the projected new gas tax revenue, and they send it right to pensions.
Completely possible under current law. Given a democratic governor and democratic legislature, they could do it.
And you don’t think they would, from the paper this morning..
N.J. public worker pension fund now the weakest in U.S., report says
New Jersey’s distressed government worker pension system is now the worst funded in the U.S., according to a report by Bloomberg.
The Garden State’s public pension fund has languished near the bottom, but has now dropped below Kentucky and Illinois for last place, according to the report.
Their analysis compared the states’ funding ratios, or their assets in relation to their pension debt.
As of July 1, 2015, New Jersey’s state and local pension funds have just 37.5 percent of the funding it needs to pay for future benefits. That is based on new reporting standards that require the state to project lower investment returns and had bleak consequences for the state’s estimates.
New Jersey’s state and local pension funds had slightly more than $217 billion in liabilities and $81.4 billion in assets, leaving it with $135.7 billion in unfunded liabilities, up from $113.1 billion as of July 1, 2014.
I mean, the legislature could budget 100% of the new gas tax revenues to the TTF, which they absolutely could. Which would be the equivalent of what the constitutional change is proposing.
More likely though, would be like ravenous pigs devouring a trough of slop.
There would probably be a token increase to the TTF to keep existing projects moving along, but the TTF would still largely be “broke”.
The TTF FAQ pages are pretty good actually, take a look:
http://www.state.nj.us/ttfa/faq/
Will give you an idea of how they operate. Which is essentially to always bond against revenue sources to gain a pool of capital to pay for large projects.
Given that infrastructure investments are significantly durable, bonding for infrastructure enhancement makes perfect sense. Why put aside a portion of the gas tax for 10 years to pay for an infrastructure enhancement when you can bond against the revenue today and build it, this way you get the potential economic benefit of the enhancement – theoretically the revenue source would reflect that and reduce the % needed for payback.
However, bonding for regular maintenance is, I think, the typical approach, which I don’t think really makes sense. If you can’t fund maintenance out of annual revenues, you can’t afford the infrastructure.
2019…was when I predicted the pensions would go pop. Another flat year in the markets like 2016 has been, or another piss poor hedge fund performance like 2015 and the pensions might collapse a year earlier. But blame it on the states lack of contributions if it makes you feel better. I’ve been begging the few friends I have that work for NJ to save outside of their pension. Though many of them don’t, they’ve sat down and listened to me do the math for them. You simply can’t contribute 75K over a lifetime and expect the pension to pay out two million. Everyone’s been warned.
Hence the need to constitutionally dedicate the revenue.
Put it in the general fund, IT WILL BE RAIDED.
“Grim, RE: the gas tax, my point yesterday was that the state cannot borrow money unless they have a dedicated revenue stream…without it, they need to put a referendum on the ballot and have it approved by the voters.”
If you all remember back in the Corzine days, there was a stem cell referendum that would have permitted the state to borrow $450 million for stem cell research. NJ rejected it, but from what I read, Corzine still went ahead and funded a sh1tload of facilities, though he didn’t fund the actual research projects.
My prediction is that people will stupidly vote against the casino addition (giving a lot of NJ revenue to Genting Gaming and Pocono Casinos) and will also vote against dedicating the funds to the TTF. As a matter of fact, I’d be willing to bet on it. Any takers?
My prediction is that people will stupidly vote against the casin0 addition (giving a lot of NJ revenue to Genting Gaming and Pennsy casin0s) and will also vote against dedicating the funds to the TTF. As a matter of fact, I’d be willing to bet on it. Any takers?
By the way, PARX (which is the closest Penny casin0 to NJ) is Pennsy most lucrative. And it’s a friggin’ dump from what I heard. The lost revenue is huge.
Agree with Stu
Lost pumpkin: from last night. I am not going to argue with you little man but just a couple of points.
1. Yes many people are that dumb when it comes to real estate. Trust me I know more than a few and it’s shocking what comes out of supposed intelligent people’s mouths when it comes to real estate.
2. I believe low interest rates continue to prop up the housing market especially so in New Jersey.
3 I don’t need you to tell me I am looking at it all wrong. I have looked at it every way from Tuesday.
4 is it stu’s house that you think will be worth a million or are you hoping it’s yours?
5 the tax write off ain’t worth all that much to us at this point. And you would be surprised how misinformed people are about that.
6 yes i am here because of a good job? What’s your point? The job however is in New York.
New Jersey s economy is in the toilet and is not going anywhere. Sad but true how a once great state is turning into a crap hole.
8 see the Bloomberg article today on our unfounded undefunded pensions. Worst in the country. Being close to nyc won’t fix that.
grim….
http://www.wsj.com/articles/banks-no-longer-make-the-bulk-of-u-s-mortgages-1478079004
walking bye – if you have gone so far as to crack open the drive enclosure and the hook up the hard drive to a PC how did you set up the drive? What size is the drive? A 3.5” hard drive requires power, which means you need either a hard drive dock, or a powered SATA card kit. A smaller 2.5” hard drives get it’s power from the USB port itself.
Here is “THE” place in Jersey with a certified Class 10 ISO 4 Cleanroom.
https://www.securedatarecovery.com/locations/new-jersey
Secure Data Recovery Services
197 State Route 18 S, Suite 3000
East Brunswick, NJ 08816
1-732-383-6617
A decade ago the legislature (Democrats) floated the idea of selling a 49% stake in the NJ Turnpike for $6 Billion to backstop the pensions.
We will see that comeback, anything nailed down and not nailed down will be sold once the taxpayer well runs completely dry.
Start by selling the port authority
Sell the Port Authority?
Only a one-time cash payment for the cow?
How will we get our milk if we sell the cow?
For 2015 $4,826,582 in revenue, Net was 779,000,000
Balance sheet says net $15 billion in assets after liabilities.
http://corpinfo.panynj.gov/documents/2015-4009/
Got another 8 Port Authorities you can sell to make the pension whole for now?
TRUMP ASS GRABS HIMSELF a 3% LEAD – RASMUSSEN
http://www.rasmussenreports.com/public_content/politics/elections/election_2016/white_house_watch_nov3
Voting yes on 1 and 2 then.
The number of Trump signs I saw this morning was staggering.
Is this NJ?
Also surprising, the lack of Hillary signs.
Assange says that Russia is not behind the leaks.
I have literally seen one Clinton sign since the race began. I don’t know what it means.
This study does not include police or fireman. These workers were plain as day, robbed by the taxpayer and the state. 26,000 is not a lot of money and the 40,000 for teachers is not a lot of money either. Plus, inflation will destroy their benefits so stop acting like they hit the lottery with 2 million dollar payouts. What worker is making 2 million on a 26,000 per year payout? How? Same with the 40,000 avg for teacher, who exactly is making 2 million in payouts? Stop spreading the lies and beating these poor people down out of their rightfully earned benefits. What a world we live in, continually bash honest low paid workers to no end. Just rob their retirement. So wrong.
“New Jersey’s public employee pension plans ranked among the least generous of top public pension plans in the country, according to a report released today.
The study shows New Jersey’s pensions are more modest than 94 of the country’s 100 largest plans.
Gordon MacInnes, president of New Jersey Policy Perspective, a left-leaning think tank, said the results push back against the myth that New Jersey’s public workers enjoy lucrative pensions.
“It’s crucial that we not be misguided by… inflammatory statements that depict New Jersey’s benefits in a light that is inaccurate,” he said today.
The study considered whether pension plans protect retirees from rising inflation, how benefits are calculated and how much employees contribute to their plans.
New Jersey fell in the bottom half in all three fields, which Stephen Herzenberg, the Executive Director of the Keystone Research Center, who authored the report, called the three most important dimensions of generosity.
“New Jersey public employees face a triple-whammy that gives them among the worst pensions in the country,” he said today. “They contribute heavily to their own pensions, receive only modest pension increases with each additional year of service and get no inflation protection at all in their benefits.”
Workers kick in 6.93 percent of their pay — and that number is rising — while employees contribute less in more than half of the other systems, according to the findings.
New Jersey’s retirees do not receive yearly cost-of-living adjustments to offset inflation, unlike 69 other plans included in the study that offer some protection from inflation. Retirees are suing to restore the cost-of-living increases that Gov. Chris Christie suspended as part of a 2011 pension reform package.
The state’s formula for calculating pension payments also uses a low multiplier — 1.67 percent — that lands it in the bottom quarter of plans.
The report notes that Garden State workers also receive some of the lowest pension benefits, but those were not factored into the rankings.
On average, pension benefits are $26,000 a year. Local government employees receive less on average, $16,000, while teachers receive more, $40,000. State employees collect $25,000.
Because police and fire retirees do not participate in Social Security and receive higher payouts their plans were not considered.
“In addition to being some of the least generous pensions in the country, New Jersey’s pensions are modest in dollar amounts, even though the Garden State remains one of the highest-cost states in which to live,” according to the report.
The policy group argued public workers shouldn’t be saddled with blame for the state’s strapped pension system.
New Jersey has roughly $82.8 billion in unfunded pension liabilities (that figure more than doubled under new accounting rules). And the two largest pension plans, Public Employees Retirement System and the Teachers Pension and Annuity Fund, could run out of money by the end of 2024 and 2027, respectively, according to the Christie administration.
The pension system has been underfunded since 1996, with governors regularly deferring or skipping legally required payments in order to plug gaps in the state budget.
Gov. Chris Christie is on that list of governors. In June, he broke a promise to increase payments into the system in return for a reform package that raised the retirement age from 62 to 65, eliminated those cost-of-living increases and required workers to contribute more toward their pensions and health benefits.
Prior to those changes made in 2011, New Jersey’s generosity may have ranked in the middle of the heap, Herzenberg said.
“Employees’ sacrifices made in 2011 were huge,” he said. “In a situation where lots of states were walking backward in terms of the generosity of pensions, New Jersey walked a long way back.”
Christie has warned that overhaul wasn’t enough and additional changes are necessary to prevent the pension problem from crippling New Jersey’s finances.
Most observers expect a committee Christie commissioned to find solutions the pension crisis will recommend slashing health care benefits, which add another $53 billion to the unfunded liabilities.”
http://www.nj.com/politics/index.ssf/2014/12/nj_public_worker_pensions_not_so_generous_after_all_study_says.html
NJ pensions are structured like ponzi schemes.
Why is this a surprise?
How is it sustainable that anyone can withdraw more than what they contributed + investment growth?
It’s not. The ponzi scheme is predicated on completely unrealistic and unrestrained growth of government, along side completely unrealistic investment assumptions.
How do you get 2 million payout off these numbers?
“On average, pension benefits are $26,000 a year. Local government employees receive less on average, $16,000, while teachers receive more, $40,000. State employees collect $25,000.”
Perhaps someone should take a good look at the people who made those promises.
Because they made promises that can’t be kept.
Where I stand, that’s called fraud.
So why are these politicians not in jail?
I have family in NJ that still say they’re voting for Hillary. My mother even got a bunch of bumper stickers and volunteered for the GOTV but they’re afraid to put them on their car. NW NJ is probably 100 Trump signs for every “NJ For Hillary” sign….but there are a few for her.
The election for the congressional seat in CD-5 NJ is getting more press than usual. Both campaigns have called me multiple times and knocked on the door etc.
Here’s my very own out there, tinfoil hat theory:
Trump has been leading the entire time.
The polls have been a massive fraud/bluff to try to turn the tables for months as has been the puss-y grabbing follies. Didn’t work. Look at Hillary’s crowds, if no one wants to see her or listen to her (except limo libs for $50K a plate), who the hell is voting for her?
Cue Comey.
Now, with the reopened email investigation, the polls have a reason to move back to reality and the tracks are completely covered if they were fraudulent all along, no? This way those same fraudulent polls can be used as a credible ploy next time too instead of being discredited forever. ABC/CNN/MSNBC/Fox (yes Fox too!) polls would be shown for what they are if they continued to advertise double digit Clinton leads and then Trump wins by 5.
Maybe the Dems even learned the trick from the Republicans, they just figured out how to use greater fraud to reign their polls back in so they are reusable instead of disposable. Remember Gallup?
https://klasbergman.com/2012/10/18/talking-about-polls-what-has-happened-to-gallup/
Expat, whether by fraud or ennui, Clinton will be elected. This is the path that the Dems and MSM paved for her. It was well planned and executed. My only hope is that it’s close and that neither Clinton nor MSM can plausibly claim a mandate.
All the more reason to Vote Trump–send a message if nothing else.
Wikileaks bombshell today? Tomorrow?
Grim at 10:38
I’ve said before, lying to the Anerican people isn’t a crime.
Shame on us if we continue to buy it.
The whole lot of NJ legislators should be rounded up, or extradited back to NJ, and face prosecution for mismanagement. Throw the whole lot in jail.
Grim as for wiki leaks if one is coming I say today or tomorrow . Otherwise might get lost with weekend.
Because fraud, conflicts of interest, insider trading, and a whole host of others CRIMES do not apply to the government (and some people outside of it as well).
How many votes did a certain senator make on contruction related bills who is the (now recently) former COO of Sazari Contruction?
grim says:
November 3, 2016 at 10:38 am
Perhaps someone should take a good look at the people who made those promises.
Because they made promises that can’t be kept.
Where I stand, that’s called fraud.
So why are these politicians not in jail?
“… claim a mandate.”
This isn’t something that actually matters in reality; it is only fodder for talking heads every now and then.
Wikileaks bombshell today? Tomorrow?
Says who? I heard rumors also. why wait if anything?
Because Wikileaks would wait to drop the bombshell.
In Massachusetts fraud versus ennui is a difference without a distinction.
Pumpkin…I am not spreading lies. I will waste my time explaining this only once (since I am super busy at work today), so don’t try to debate me.
Without looking, I can guarantee you that study you posted was performed by a public-sector supported organization most likely in bed with the liberals in this state that got us into this mess. And remember Pumps. Just because you want it certain way, doesn’t mean it is!
Your $16,000 and $40,000 numbers are the average of all former employees currently collecting pensions. These numbers include great grandma Pumpkin who retired in 1980 at age 55 with a final salary of $50,000. And crossing guard great grandpa pumpkin whose pension is $5,000 a year. What the study doesn’t account for is the average teacher today who starts in the 40s and will retire in the 90s after 25 years of automatic 3-5% raises plus longevity bonuses.
So let’s do the math. Take a teacher starting at 40K with annual 4% increase. I’ll make the pension contribution 7% even though there’s like 7 more years before it goes up to 7.5%.
Here’s THE FUKCIN’ MATH (hope the formatting comes through)!
year salary contribution age
1 40,000 2,800 25
2 41,600 2,912 26
3 43,264 3,028 27
4 44,995 3,150 28
5 46,794 3,276 29
6 48,666 3,407 30
7 50,613 3,543 31
8 52,637 3,685 32
9 54,743 3,832 33
10 56,932 3,985 34
11 59,210 4,145 35
12 61,578 4,310 36
13 64,041 4,483 37
14 66,603 4,662 38
15 69,267 4,849 39
16 72,038 5,043 40
17 74,919 5,244 41
18 77,916 5,454 42
19 81,033 5,672 43
20 84,274 5,899 44
21 87,645 6,135 45
22 91,151 6,381 46
23 94,797 6,636 47
24 98,589 6,901 48
25 102,532 7,177 49
Sum 1,665,836 116,609
Pension 43,063 50
43,063 51
43,063 52
43,063 53
43,063 54
43,063 55
43,063 56
43,063 57
43,063 58
43,063 59
43,063 60
43,063 61
43,063 62
43,063 63
43,063 64
43,063 65
43,063 66
43,063 67
43,063 68
43,063 69
43,063 70
43,063 71
43,063 72
43,063 73
43,063 74
43,063 75
43,063 76
43,063 77
43,063 78
43,063 79
43,063 80
Sum 1,334,953
And this is based on the current pension formula for new hires. The prior pension formula (2007), would have yielded a pension total of $1,430,000 on a pension contribution of $91,621.
Work more than 25 years and these numbers go crazy.
So tell me now how the state not contributing their “fair” share is why the pension is imploding. This doesn’t even include the medical benefit which nearly doubles the numbers (and the shortfall). What do they now contribute to that (which they used to not contribute at all)? 1.5%. Shall I make another spreadsheet?
Keep trusting the media doofus.
Now if you want me to fudge the numbers and make it a worst case scenario, I can. But the anger I feel when I do such calculations upsets me too much. But blame the state for the shortfall. Go ahead. How much should they match? 10 to 1?
Rasmussen is the worst poll ever. The dickhead who runs it even admits to taking money to create biased polls. Of all of the major polls, you really should ignore it. Maybe even more so than a FOX or MSNBC poll.
I see my post was a little confusing. I also fukced up the collection years. I think they collect 97% at 57. But the jist is exactly the same. The numbers are outrageous. I’ve been putting more than twice the kind of dough, with a company match, into my 401k since 99 and I have $320K to show for it. And my investment choices have been incredibly aggressive.
Teachers who starts at 25 today will contribute $116,600 to their pension if they work until they are 50 and will collect upwards of a million dollars. Include the healthcare benefit and they will have paid an additional $25,000 to receive nearly a million in Cadillac health care benefits.
I have no issue with the salaries btw. It’s the benefits which are supersized. Horribly supersized.
Want to have fun. Calculate a teacher who starts at age 22 and works until they are 65. Then look at the salary and pension. You’ll wish you weren’t a lawyer or a brain surgeon. I should have taught kindergarten. No homework either.
juice box. Thanks. Ill give them a call. Yes I tried both a portable SATA docking station and direct hookup to the motherboard. The latter caused computer to freeze at the Bios screen startup.
For the rest of you be warned back up your files to the cloud, Raid, NAS or 2nd drive.
What’s interesting is that the salaries are low compared to NYS. My niece is 30 and pulling down $80,000 as a 3rd grade teacher in Orange county. Magically all the pensions are well funded in NYS….thanks banking industry…..
“The Original NJ ExPat says:
November 3, 2016 at 11:25 am
In Massachusetts fraud versus ennui is a difference without a distinction.”
I see what you did there. Well played sir, well played.
Walking.
I back up to a passport drive and then back that drive up to a second passport drive. I think I paid $75 for each 2 TB drive. The cloud is too slow and too expensive for large amounts of photos/videos/songs/etc.
D-FENS,
… even got a bunch of bumper stickers and volunteered for the GOTV but they’re afraid to put them on their car.
Wonder why… A man kills two cops, and everyone is up in arms… until they realize that he has the super-patriotic “license to kill”, the confederate flag. A 12 year old black kid gets killed by cops in under three seconds for waving a toy gun, and he is the monster.
Eddie, please refrain for saying something nasty about the people that volunteered!
http://www.barstoolsports.com/chicago/indians-fan-knocked-the-shit-out-of-a-cubs-fan-after-the-game-last-night/
So the answer is to throw the workers to the streets? They are not making a lot of money as is, and with no pension, how do they survive? What did they work their whole life for? I just hope the people bitching about the pension, have the same opinion about social security. Or better yet, I hope corporations start robbing 401ks, it’s no different than the theft that is taking place with worker’s pensions. It was an agreement, signed contract, that is not being followed through on. Just put yourself in those people’s shoes. Dont’ think they are some high paid cop, or some crooked politician, these are your neighbor’s that have families to take care of. What we are doing to them is wrong in every way possible. IT IS CRIMINAL. IT IS STRAIGHT UP THEFT OF MASS PROPORTIONS TO RAID THEIR PENSION AND NOT MAKE PAYMENTS. How many years you go to jail for robbing a bank of 5,000? How many years you go to jail for robbing billions from the pension? ZERO
grim says:
November 3, 2016 at 10:38 am
Perhaps someone should take a good look at the people who made those promises.
Because they made promises that can’t be kept.
Where I stand, that’s called fraud.
So why are these politicians not in jail?
I’m done with Pumps. Just go away!
“So the answer is to throw the workers to the streets?”
Walking, a lot depends on what problems you see with the disk (if it is making clicking noise, chances are high that your data are lost).
If the disk is not making clicking noises, you can use software recovery tools to some extent. You have some intermediate luck because they are photos (small enough files and have proper headers, etc.) If you have text files, it is way easier. If you have large data files (compressed files, or “encrypted” files), you will have much less luck.
You can try “TestDisk/PhotoRec” (follow the link from this site: http://lifehacker.com/5237503/five-best-free-data-recovery-tools). I’ve used it before for old photos and it worked out fine.
In my past life, I had to recover some files for boss of boss — the IT guys we had were more or less clueless. I bought some software for under $100, and can’t remember what it was, but this place has a decent list:
http://www.toptenreviews.com/software/backup-recovery/best-disk-recovery-software/ — that said, for photos you should give a try with the free software.
If the disk is making a clicking noise, you need some hardware based disk-recovery service. Such clean room recovery services are very expensive (2k+) and they don’t guarantee anything. Best you can expect from there is an image of the file system with holes in areas where they can’t recover the data. From that you can try reconstructing individual files.
Poor man’s solution if disk is making clicking noise (I haven’t tried it at all, but some people have suggested it): try putting back the casing on the disk and put it in a freezer for a short time (after wrapping in a plastic bag, of course) — some people have suggested it and I’ve had no luck with it.
Worst case, you can take the Zen approach and consider yourself more free :)
Some (majority) of the salaries can and should increase if the retirement system was more realistic and if healthcare was truly reformed (for everyone, not just public employees).
STEAMturd questioning the gender of Hillary’s Meaty Cankle fluid. says:
November 3, 2016 at 11:45 am
I have no issue with the salaries btw. It’s the benefits which are supersized. Horribly supersized.
You’re right Flee. They shouldn’t be afraid. It’s usually Democrats who are violent…amirite?
Flee? says:
November 3, 2016 at 12:11 pm
D-FENS,
… even got a bunch of bumper stickers and volunteered for the GOTV but they’re afraid to put them on their car.
I’ve watched interviews with Assange and he likes to make sure the leaks they post have maximum impact. They work with specific news organizations and are particular about how they time their leaks.
Fast Eddie says:
November 3, 2016 at 11:14 am
Wikileaks bombshell today? Tomorrow?
Says who? I heard rumors also. why wait if anything?
Trump in the popular, Hillary in the electoral. More of the same. Income gap grows wider.
D-FENS, you are not worried that your family is afraid of putting a HRC sticker (yay “freedom”!)
I’d love to see an example of someone calling Tamir Rice a monster. Were other people (unjustafiably) demonized after they were questionably or criminally shot by police, of course… but if you want to criticize others for lies and fantasies, don’t throw stones.
Flee? says:
November 3, 2016 at 12:11 pm
D-FENS,
… even got a bunch of bumper stickers and volunteered for the GOTV but they’re afraid to put them on their car.
Wonder why… A man kills two cops, and everyone is up in arms… until they realize that he has the super-patriotic “license to kill”, the confederate flag. A 12 year old black kid gets killed by cops in under three seconds for waving a toy gun, and he is the monster.
Eddie, please refrain for saying something nasty about the people that volunteered!
Not all fears are justified… police shootings anyone?
I’d never condone violence, but you don’t have the freedom to not be afraid. You must prefer all the politicians promising to keep us safe.
Flee? says:
November 3, 2016 at 1:14 pm
D-FENS, you are not worried that your family is afraid of putting a HRC sticker (yay “freedom”!)
When one racist cop shoots a black kid, all cops are racist and so are all white people. Unless of course, you are a white liberal. White liberals aren’t racist because, well you know, since they know better (elitist).
If/when it comes to a head, what do we do? Raise taxes to the point where others (not the precious public employees) will be thrown out on the street? Keep borrowing and declare bankruptcy?
not steamturd says:
November 3, 2016 at 12:24 pm
So the answer is to throw the workers to the streets?
And if a black cop shoots a black kid, well, that’s just an unfortunate accident.
“Keep borrowing and declare bankruptcy?”
Only…the government doesn’t have much of a precedent for bailing out non-corporate identities. I suppose, they need to up their lobbying game on the federal level.
Nice going anon (the puzzy)
Number of homeless in NYC reaches new record, according to CBS news.
If/when it comes to a head, what do we do? Raise taxes to the point where others (not the precious public employees) will be thrown out on the street?
How does this work when the taxpayers leave?
Tax obligations don’t transcend the time after you leave.
There still exists the possibility that it’s simply not possible to collect the revenue to make the gap.
Unless Anon has a few billion he wants to pony up.
The pension in my company was ended a couple of months ago. I am grandfathers and if I had not that’s the way it goes. Many people were not and spent years here because of the pension. They are not happy understandably but it’s gone just like that! What about them and all the others in the private sector who have lost pensions in the last 30 years?
not steamturd says:
November 3, 2016 at 12:24 pm
Or better yet, I hope corporations start robbing 401ks [EDIT – not possible]
Dont’ think they are some high paid cop, or some crooked politician, these are your neighbor’s that have families to take care of. What we are doing to them is wrong in every way possible. [EDIT – they have no interest in being my neighbor……they repay our largesse by moving to PA, NC, SC or FL as soon as possible……complaining all the way and putting down NJ]
How many years you go to jail for robbing billions from the pension? [EDIT – no one has robbed anything from a pension fund; the beneficiaries have robbed the fund because they had an implicit agreement to die in their 60’s & 70’s and have chosen instead to live well into their 80’s……complaining that someone owe’s them something, and inculcating their STUPID ENTITLED GRANDSON]
You can say this wouldn’t ever happen.
But it’s plausible that what we are seeing with NJ’s lack of economic recovery, housing recovery, wage recovery, outmigration, SPECIFICALLY being the start of this trend.
And, when this happens, it will be a catastrophe, as taxes will be further increased to compensate, exacerbating the trend.
Grim : stop bashing nj . It’s coming back this all is just a blip. We will be back stronger and better than ever! Right? I said right?! We are close to New York. And stu s house and your house will be worth one million dollars in 11 years maybe two million!!
Joyce,
1. Miami Police Union President on Tamir Rice: “Act Like a Thug and You’ll Be Treated Like One”
2. Why we turned off comments on Tamir Rice news stories: Chris Quinn (cleveland.com)
3. Cleveland EMS Supervisor: Monday, a startling posting surfaced from the Facebook account for an EMS supervisor. It included, “Tamir Rice should have been shot and I am glad he is dead. I wish I was in the park that day as he terrorized innocent patrons by pointing a gun at them. I am upset I did not get the chance to kill the little criminal (expletive).”
4. Cleveland School District officer: You pull out a gun you get shot. I don’t have time to ask questions and coddle kids that wave guns around.
On this board, Lib was deep in the gray area — blaming the family for taking off the orange cap (and went on a mini-rant about the family’s economic status). Grim was supportive of that theory (that all bets are off if the orange cap is off). But, there were guys that got shot for reaching the wallet, for having the misfortune of a car making a strange nose at the wrong time, etc., so it is debatable how much an orange cap would have saved the kid’s life. There was also guy that was shot in a Walmart while walking around with a toy gun (likely with an orange cap)! Meanwhile, “confederate flag waving” people point rifles at Fed agents and are given a free pass.
Cat Grabber and his 9/11 side kick have recently made statements about how they think the Central Park Five are guilty (and the media didn’t bother grilling them on that).
There is injustice, and one side (right-wing) thinks they are more patriotic than the rest even when they are waving a confederate flag, calling for killing of HRC, and trash-talking military, and the other side may decide it is not worth putting signs because the “shy Trump supporters” may go off the handle.
On top of it, there is all the crap talk of Jew-S-A and “bankers” trying to take down the country!
One side is un-hinged, and the other side has reasons to be cautious! Heck, Eddie insulted a friend of mine for no reason other than the fact my friend volunteered for HRC (as a response to a simple factual post about people I know that contributed to HRC) — and he hasn’t yet apologized (but it reflects more on him than on my friend, so).
Hillary’s secret Facebook group “National Pantsuit day – Nov 8th” now up to 420k members about 100,000 additonal since yesterday. If you read the posts It is like an estrogen fueled nuclear bomb went off in the Facebook Group. Still nowhere near a tsunami of voters. aren’t there 60 million plus female voters this election cycle?
3b, “The pension in my company was ended a couple of months ago. I am grandfathers and if I had not that’s the way it goes. Many people were not and spent years here because of the pension.”
How do your colleagues spend years with pension plan but not grandfathered when the plan ended only a couple of months ago?
How many members are there for Hillary’s other secret Facebook group “Meaty Cankles?”
Flee…You are too soft. You are making excuses and you are creating conclusions that fit your narrative.
You are not allowed to assume that kid gets shot if the tip of the gun was orange or pink. Unless you truly believe all white cops are racist. And if you do, then you don’t belong here.
Gator lost her pension plan like 15 years ago. Most of my fellow printing professionals lost theirs in the 90s. Somehow, the industry still attracted plenty of bright workers.
Flee: to answer your post which sounds skeptical as if I am not telling the truth. To be grandfathered. Your age and years of service had to equal 70 with a 2 year round up . There are people here in their 40,s who have been here 20 to 25 years. Who did not make the age cut off even with the 2 year round up. Some missed it by a month! So there is your answer flee. Don’t want you calling bs on my post.
We used to shoot at streetlights with my friend’s 22 caliber from his car.
My father still says the cops should have shot me for being an idiot.
I had a bb gun as a kid. Plenty of my friends did. We went all over shooting at stuff. I wouldn’t let my kid do it today. People are nutso afraid of guns today. I felt terrible for Tamir Rice when I heard about the shooting. I did the same stuff when I was a kid.
Today it’s different. Young people…and plenty of NJ cops will lock you up…maybe even shoot you if they see you with a bb gun…let alone one that closely resembles a real gun.
Another email dumped by WikiLeaks Thursday suggests Podesta was warned in 2008 about the dangers of communicating sensitive information on unsecured servers.
“I was struck by the memo partly because it was first I had heard of it but much more because it was a sensitive doc bumping around on public email addresses,” Denis McDonough, President Obama’s first chief of staff, wrote to fellow transition team member Daniel Tarullo on Nov. 3, 2008, “There is a very real threat to the security of our documents,” he said.
Tarullo then added Podesta, also working for Obama’s transition team, to the email chain and McDonough warned Podesta directly, “I know I’m like a broken record on this, but I think we should arrange a briefing on the cyber threat for all associated with your effort. We have a real security threat on our stuff here.”
Exactly like I said last night. You are so full of it. Please read what I say and understand I know wtf I’m talking about.
Read you like a book. Claims nj economy is terrible, but he won’t leave because he needs his job. Job is the biggest economic factor you numbnut. Enough said. Keep believing this state economy is over and crashing into the sea. You are too naive and caught up with negativity to ever see the light.
“You like torturing yourself? You are a renter, if you hate this state economy so much, why are you still here? You can get up and leave anytime you like. But let me guess, economic factors like a job are holding you here? Right? I said, right?”
“6 yes i am here because of a good job? What’s your point? The job however is in New York”
3b says:
November 3, 2016 at 9:16 am
Lost pumpkin: from last night. I am not going to argue with you little man but just a couple of points.
1. Yes many people are that dumb when it comes to real estate. Trust me I know more than a few and it’s shocking what comes out of supposed intelligent people’s mouths when it comes to real estate.
2. I believe low interest rates continue to prop up the housing market especially so in New Jersey.
3 I don’t need you to tell me I am looking at it all wrong. I have looked at it every way from Tuesday.
4 is it stu’s house that you think will be worth a million or are you hoping it’s yours?
5 the tax write off ain’t worth all that much to us at this point. And you would be surprised how misinformed people are about that.
6 yes i am here because of a good job? What’s your point? The job however is in New York.
New Jersey s economy is in the toilet and is not going anywhere. Sad but true how a once great state is turning into a crap hole.
8 see the Bloomberg article today on our unfounded undefunded pensions. Worst in the country. Being close to nyc won’t fix that.
On the pension issue, you guys are wrong. You guys are full of hate and jealousy. Keep counting other people’s money and no I did not post any of the pension posts, but I do agree with them. I’m not one to throw innocent people under the bus.
That’s what I said. But it does become an indirect investment if the cost to own is cheaper to rent. Everyone forgets about that part.
30 year realtor says:
November 3, 2016 at 7:48 am
Yesterday regarding real estate investments…YOUR HOME IS NOT AN INVESTMENT!
Plenty of safe ways to make money in real estate investment if you know how. Most people don’t know how.
” I’m not one to throw innocent people under the bus.”
Well then, you should pay for them. Ask granny for another loan. I’m done with you.
cost to own is cheaper than rent.
Lib – Keep in mind that you aren’t truly protected unless one of those drives is off-site. About a dozen years ago I considered creating a small store-front business that would be just small PO box type rentals. I envisioned people paying a small amount of forever rent just to have a place to store hard drives and such away from home in case of fire, flood or other physical hazard. I figured the vast majority of people wouldn’t understand the benefit and it might become a drug drop.
Walking.
I back up to a passport drive and then back that drive up to a second passport drive. I think I paid $75 for each 2 TB drive. The cloud is too slow and too expensive for large amounts of photos/videos/songs/etc.
What are you getting mad at me for? Because i support workers getting a pension? I guess that makes me the devil. Put a plan in place to help these people with their retirement. Don’t just screw these people who had nothing to do with the problem.
STEAMturd questioning the gender of Hillary’s Meaty Cankle fluid. says:
November 3, 2016 at 2:53 pm
” I’m not one to throw innocent people under the bus.”
Well then, you should pay for them. Ask granny for another loan. I’m done with you
Lost pumpkin douche: done with you like stu after this post.
My cost to rent is cheaper than owning. Period. I have not had an increase in years.
My job is in nyc. Not nj as I said.
The economy in nj is dead. And how exactly do you hate an economy? Like I said its dead.
Now if you are happy with your house on a main drag than good for you!
I am not tortured you are in your belief that I need to be converted to your warped view of reality.
True Expat, hence the need for a fireproof safe off location. But honestly. They are just photos. Every free cloud service I use keeps changing their policies. I’m on my third one now. It’s annoying, but I guess you pay for what you get.
I honestly thought for a few minute on how to respond and didn’t know where to begin. From the generalizations and assumptions to the hypocrisy for criticizing others for doing so… and finally, to being upset that a random anonymous person on the internet insulted your friend and hasn’t yet apologized.
Forget about pumpkin, now I’m ‘lost’.
Flee? says:
November 3, 2016 at 1:58 pm
Joyce,
I will say that I didn’t know of or forgot about those comments about Tamir Rice, I was wrong.
Tamir Rice’s family got $6 million of taxpayer money by the way.
I finally get it. You know why you get so angry at me, because you know I’m right.
If you live in jersey and have a job in nyc, you are still a part of the local economy you douche.
Nj is the 25th largest economy in the world and you are writing it off for death. Do you know how dumb this sounds? Typical fox news watcher. The sky is falling….run!!!
Btw, I’m not trying to convince myself that buying a home in nj is a good idea. I know it’s a good idea for me and my wife. We both have high paying jobs that we would have hard time finding somewhere else. If you can find some low cost of area that will provide the same kind of income that my wife and I are currently receiving, then show me. I will go there. But guess what, we already tried you know it all. Couldn’t find better and if we did find a job, it was no security. F that. Btw, we are able to save loads of money, so wtf is the problem with living here? I’m going to be a millionaire thanks to this economy, and here you are bitching about it. Shaking my head.
3b says:
November 3, 2016 at 3:07 pm
Lost pumpkin douche: done with you like stu after this post.
My cost to rent is cheaper than owning. Period. I have not had an increase in years.
My job is in nyc. Not nj as I said.
The economy in nj is dead. And how exactly do you hate an economy? Like I said its dead.
Now if you are happy with your house on a main drag than good for you!
I am not tortured you are in your belief that I need to be converted to your warped view of reality.
3b,
I finally get it. You know why you get so angry at me, because you know I’m right.
If you live in jersey and have a job in nyc, you are still a part of the local economy you douche.
Nj is the 25th largest economy in the world and you are writing it off for death. Do you know how dumb this sounds? Typical fox news watcher. The sky is falling….run!
Btw, I’m not trying to convince myself that buying a home in nj is a good idea. I know it’s a good idea for me and my wife. We both have high paying jobs that we would have hard time finding somewhere else. If you can find some low cost of area that will provide the same kind of income that my wife and I are currently receiving, then show me. I will go there. But guess what, we already tried you know it all. Couldn’t find better and if we did find a job, it was no security. F that. Btw, we are able to save loads of money, so wtf is the problem with living here? I’m going to be a millionaire thanks to this economy, and here you are bitching about it. Shaking my head.
3b,
I finally get it. You know why you get so angry at me, because you know I’m right.
If you live in jersey and have a job in nyc, you are still a part of the local economy you douche.
Nj is the 25th largest economy in the world and you are writing it off for death. Do you know how dumb this sounds? Typical fo x news watcher. The sky is falling….run!
Btw, I’m not trying to convince myself that buying a home in nj is a good idea. I know it’s a good idea for me and my wife. We both have high paying jobs that we would have hard time finding somewhere else. If you can find some low cost of area that will provide the same kind of income that my wife and I are currently receiving, then show me. I will go there. But guess what, we already tried you know it all. Couldn’t find better and if we did find a job, it was no security. F that. Btw, we are able to save loads of money, so wtf is the problem with living here? I’m going to be a millionaire thanks to this economy, and here you are bitching about it. Shaking my head.
3b,
I finally get it. You know why you get so angry at me, because you know I’m right.
If you live in jersey and have a job in NYC, you are still a part of the local economy you douche.
Nj is the 25th largest economy in the world and you are writing it off for death. Do you know how dumb this sounds? Typical fo x news watcher. The sky is falling…run!
Btw, I’m not trying to convince myself that buying a home in nj is a good idea. I know it’s a good idea for me and my wife. We both have high paying jobs that we would have hard time finding somewhere else. If you can find some low cost of area that will provide the same kind of income that my wife and I are currently receiving, then show me. I will go there. But guess what, we already tried you know it all. Couldn’t find better and if we did find a job, it was no security. F that. Btw, we are able to save loads of money, so wtf is the problem with living here? I’m going to be a mill!onaire thanks to this economy, and here you are bitch!ng about it. Shaking my head.
Go blank yourself pumpkin douche. You know nothing about me. I will run circles around you any time little boy! 25th largest economy in the world Fox News blah blah! Enjoy your double yellow line! Douche I am done with you regardless of whatever handle you post under.
Liburd,
Come on. You can never compensate for losing a family member like that.
Less morbid question, and you’ll get a kick out of this… given your line of work (but not exactly apples to apples), what’s it cost all-in for a company to print out 1 page of paper black & white 8.5×11?
I ask because I had to get records from my town last month and it was $0.75 per page as authorized by law; I just laughed. I know what they charge at Staples so was wondering if you knew what it cost them.
STEAMturd questioning the gender of Hillary’s Meaty Cankle fluid. says:
November 3, 2016 at 2:15 pm
Gator lost her pension plan like 15 years ago. Most of my fellow printing professionals lost theirs in the 90s. Somehow, the industry still attracted plenty of bright workers.
Even if you pay you can lose. Remember Shutterfly? They ran out of money and couldn’t even afford to pay for the bandwidth to return the photos files of their PAYING customers. I had a free account and just used it to share photos pre-Facebook. I knew this guy, though, who had a paid account and what he predominantly uploaded was excruciatingly detailed photo manuals on doing major repairs and upgrades to Mazda Miatas. He was pissed at losing all his albums, but even more pissed that he used a custom feature of Shutterfly to annotate all the photos with callouts. He still had all his photos, but he lost all those callouts he meticulously crafted.
True Expat, hence the need for a fireproof safe off location. But honestly. They are just photos. Every free cloud service I use keeps changing their policies. I’m on my third one now. It’s annoying, but I guess you pay for what you get.
Some people here may have access to a pile of letters from grandparents and great-grandparents (if they were literate) and maybe a small box of photos. I’m convinced that two generations into the future it will be just the opposite. Our great-grandchildren will find a dizzying array of photos and almost no written words as all the emails and texts will be lost to the ages.
Future genealogists might try to learn about their ancestors from doing the detective work to figure out who had what handle and studying the writings of their ancestors on that old NJ RE Re site archive? I can’t imagine that the Pumpkin kids will be pleased, but they probably will be wasting their time with something stupid like protein pills in a spray can. That is, if the line even continues.
Hot off the internet:
Moments ago, after teasing its twitter followers to “stay tuned for our FBI-DoJ #PodestaEmail special circa 4pm EST” Wikileaks released what appears to be part 28 of its Podesta dump, dubbed the “DoJ/FBI/Huma special” and includes some 1,308 emails, bringing the total to 45,526 in total emails released.
http://www.zerohedge.com/news/2016-11-03/wikileaks-releases-doj-fbi-huma-special-podesta-emails
One sheet of 20 lb. cotton rag and maintenance and lease costs to the photo copy machine/printer should work out to between 3 and 5 cents. Not sure what the labor cost is to hit the copy button though. It does include a lot of perks.
During one of my super tired recent short-term stays at home, I accidentally wrote a check for my sewer bill to Montclair but forgot to write out the number in text on the check. Someone typed up a whole personalized letter with the account information, my address, the mailing address for the updated check etc., instead of just filling out the text portion of the check amount. I had written in the amount in the box and signed the check and dated it. Just forgot somehow to write out the number in text. Had to have cost them 15 minutes in labor and cost me an unnecessary extra stamp. Yeah…they deserve that pension.
I’m trying to understand you. This is my take.
Your hate (rightfully so) for the politicians, police, firemen, and kindergarten/gym teachers blinds you to the big picture. Those people are a small fraction of the system. There are a lot of low payed state and local govt workers that get thrown under the bus for the people you hate. Your hate for a kindergarten teacher or gym teacher, throws a physics teacher under the bus. So now your hate for a minority (k-teacher) throws the underpaid highly skilled high school teacher under the bus. Yes, the state and local govt workers are underpaid, just like the majority of teachers are underpaid. This is what I meant earlier by throwing people under the bus. These people are already underpaid, and you want to punish them some more. That’s all I’m trying to point out to you.
You know what they need to do. Remove all politicians, board members, consultants, committee members, outside contractors, etc from the pension system. These are the got damn thieves. Not the regular state worker barely getting by topped out at 49,000.
“Yeah…they deserve that pension.”
Lib, each tragic case is different. Of course, not all cops are racist. However, there are some subtle yet systemic biases (more class-based rather than race-bases). These things add up and desensitize the powerful majority without anyone being explicitly racist. In your case, to go on the offensive against a parent that needlessly lost a child is very much in the grey area (independent of whether they got a settlement after that).
There are quite a few educated yet ignorant people that believe things are rigged and can’t even consider the possibility that people may like another candidate. So, there is a higher risk that one of them will do something irrational if they come across something as simple a car sticker. These tiny risks/probabilities start adding up.
Unfortunately, it is not random with each small group having their own unique biases and issues. A large majority of GOP supporters that were protesting when Dixie Chicks said they were ashamed of Dubya are enthusiastically voting for Cat Grabber at a time when he is not only regularly trash-talking the President, but also trash-talking specific military operations. The same people that are for “law and order” seem to be OK with people getting away with no consequences after an armed standoff with the feds.
Such trends takes us to a point that in a so-called “North East liberal state” where HRC will easily win, her supporters have more reason to be afraid of putting signs, while the “shy supporters” have 100x more signs.
walking bye 8:05:
Was it by any chance a Seagate? Had one of their external drives that started to get flaky, started getting the “delayed write failure” errors, started taking forever to spool up (mostly just clicked). Progressively worse over a year or so until it seemed completely dead. Most of the stories on the internet from the armchair IT experts will tell you the worst, but since the internet is full of morons I never wrote it off. Just for the heck of it I had another external drive with the same power supply (wall adapter) output – switched it to the screwy drive and it booted right up and hasn’t missed a beat since. It seems that the horrible reputation seagate has gotten for their external drives failing may have partly been the result of saving a few cents on the crappy power adapter. BTW, data recovery = $$$$$.
Expat at 4:44
Meh. No “there” there.
Joyce, “random anonymous person on the internet insulted your friend and hasn’t yet apologized”.
I know Eddie and he has met me at a GTG too. If he spends a couple of minutes trying to find out who I am, he can easily figure it out. While I have complaints about this blog, it is not an equivalent of YouTube comments section. I can understand partisan passions, and hence wrote explicitly that I sent a bit of money and a couple of people I like and respect sent money or volunteered (chances are Eddie knows this very nice person).
Eddie’s comment crossed the line, and I am puzzled that he has not apologized.
But, to be fair, I’ve noticed a general characteristic here of “never wrong, wildly successful, and expert in everything”.
Flee. You are really too soft. You can’t tell the difference between reality and a joke. The truth is, if Trump is the president, nothing really changes. Same with Hillary. Since when did the president really have that much influence over our lives anyway. Be careful. Your elitism is showing.
Nom @ 6:11 – I just searched for “server” and found some good stuff right off the bat, minutes after I posted.
Expat at 4:44
Meh. No “there” there.
ONJExPat [16:28];
That is, if the line even continues.
God willing, it won’t; and God help us if it does. However, these things have a way of sorting themselves out — there are thankfully few second-generation mom’s (grandma’s) basement-dwellers.
3b, Flee: to answer your post which sounds skeptical as if I am not telling the truth. … people here in their 40,s who have been here 20 to 25 years. … Some missed it by a month!
First, sorry… I was skeptical because at my mega-corp, only recent new hires (more recent than me) have no pension component (but they get higher 401k contributions). I hope the folks at least got a lump-sum package to offset the pot of money in their pension plan (may be a blessing in disguise for some). The pension component of two places I know is tiny though (4.x% salary with a 4.x% match on 401k).
Flee my apologies if I misinterpreted your post. The pension at my company was very generous and the reason many stayed as long as they have. Those who lost the pension will keep what they have in it to date but many were hoping it would continue until they retired.
A President making a difference? Dubya cut taxes at time of a war of choice. Obama spent a lot of political capital on Obamacare. Reagan cut taxes and pursued union-busting and his war on drugs caused a lot of harm.
If Cat Grabber doubles down on excessive policing, gets some crazy tax cuts through, dismantles Obamacare (in addition to 20M people losing insurance, they may roll back some things like max out-of-pocket), and does some stupid crap like drastic cuts to FDA and EPA, the economy will take a hit. A shitty economy where majority are struggling while new immigrants are making out like bandits (or assumed to be) is a breeding ground for social resentment.
HRC will be continuation of Obama platform (with more stomach and justification to take on the GOP). Imagine a public option, higher minimum wages, widely accessible college education, and infrastructure investments/jobs, at the cost of a just a few percent tax increases on most of us here.
There is a non-negligible risk. Your risk tolerance may be more.
Flee free college? Can I be reimbursed for paying for my kids college? Also if Hillary wins her presidency will be consumed with investigators and possible impeachment. And the vested interests will still be calling the shots. Americans should stay home on election day.
Why are your perceptions and generalizations of police, hyper partisans, and the “right wing” any more or less accurate that Eddie’s of people that will volunteer for Hillary?
Would it have anything to do with a feeling of “never wrong”?
Flee? says:
November 3, 2016 at 6:38 pm
Joyce, “random anonymous person on the internet insulted your friend and hasn’t yet apologized”.
I know Eddie and he has met me at a GTG too. If he spends a couple of minutes trying to find out who I am, he can easily figure it out. While I have complaints about this blog, it is not an equivalent of YouTube comments section. I can understand partisan passions, and hence wrote explicitly that I sent a bit of money and a couple of people I like and respect sent money or volunteered (chances are Eddie knows this very nice person).
Eddie’s comment crossed the line, and I am puzzled that he has not apologized.
But, to be fair, I’ve noticed a general characteristic here of “never wrong, wildly successful, and expert in everything”.
We need more banking reform such as Gramm Leach Bliley and the Commodity Futures Moderinzation Act.
Flee? says:
November 3, 2016 at 7:49 pm
A President making a difference? Dubya cut taxes at time of a war of choice. Obama spent a lot of political capital on Obamacare. Reagan cut taxes and pursued union-busting and his war on drugs caused a lot of harm.
To show you what a complete and utter ignoramus you are Flee…Let’s make a wager.
If Hillary does a single one of the things she’s promised that you swallowed hook, line and sinker or if Trump does a single one of the things you claim he’ll do, I will no longer post here. If both of them don’t do a single one of the things they promise, you can no longer post here. Want to take my bet you sh1t for brains?
We’ll settle up exactly a year from now.
Imagine a public option, higher minimum wages, widely accessible college education, and infrastructure investments/jobs, at the cost of a just a few percent tax increases on most of us here.
No need to tax more. Clean up the finance internally and you’ll have all the disposable cash you need to fund all of those feel good well intentioned programs. Instead, we let Washington blow money left and right and subsidize politically connected businesses to death. Why is it that accountability in current spending is never on your agenda?
At my last school, the heat would be fully cranked up in June for no reason other than we paid some third party to “manage” the temperature of the building from a remote location in Maryland. Imagine a heater in one room battling an air conditioner in another room. I swear, it cost at least 8k a year. I even broke into the apparatus and manually would disable the heater. When they got wind of this, they put a “Danger High Voltage” sticker on the unit and told me to stop it.
Expat,
You are more motivated than I am.
I’m too tired and have too much stuff on my plate
Joyce, the difference is the one between between “all cops are racist” versus “there are subtle yet systemic biases”. If you say that you do not see the difference, I will concede the argument and will apologize.
Lib, first, I am bad at betting (lost a lot of money shorting Fannie Mae, and realized stopped doing speculation). Second, the one year term is too short (the GOP is so much unhinged that they are even promising to block any supreme court nominee for next four years — after blocking Garland).
This GOP congress did a horrible play on emotions to score a political point by passing the 9/11 victim bill, overrode the veto, and then blamed it on Obama — this is how clueless they have become. They also voted to repeal Obamacare 6o times.
Here are things that have a high chance of happening in the unlikely event the Cat Grabber wins: (1) Obamacare repeal is likely to happen, (2) there will be a push for some tax cuts (at least some symbolic ones), (3) there will likely be some push to defund planned parenthood, (d) there will likely some loosening of FDA or EPA regulations (at least indirectly by cutting funds like what was done to IRS audit personnel; or by re-prioritizing — e.g. EPA will get more funds for “research” and less for compliance/enforcement). It is depressing to list all the ways things can go down the drain.
HRC’s will be like Obama’s third term with more potential for upside.
I respect you enough to not insult your intelligence even when I do not agree with some things you say (they are rare enough anyway). You contribute more to this board than I do, so there is nothing to gain in case I win (except may be you getting back time to spend with family, but that is true for many of us; thinking about it, may be I should take some outrageous bet and get kicked out; or may be grim can ban me — my wife and kids will thank grim).
3b, “free college? Can I be reimbursed for paying for my kids college?”
They and their kids don’t have to pay for their kids’ college (unless they choose to go to schools that are not free).
Hey there,
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thanks .Dean.