1

How will Massachusetts carry on without yet another slobbering Democrat monster elected to the Senate? Oh, the humanity.

2 Wouldn't it be great if state legislatures Could appoint or recall Senators? Nothing wrong with a short leash on these crooks.

3 Keep dreaming and keep sending your pathetetic Wal-Mart minimal wages into your Prince Charming -du -jour, Scott Brown. It's just money that you can't spend on bud lite and penecillin. Idiots. We own this state and will continue to.

4

Gabe is gone so we got this thread all to our moron selves!

How about some top headlines comments?

Or who thinks the Cowboys are gonna kick philthydelphia's sorry ass twice in two weeks?

C'mon -- we need some moron creativity.

5 ...becuase ACORN'd have to rig hundreds of state elections to get someonelike Franken.

6 Hi, long time reader, first time commenter. Over at Hillbuzz, the boys have posted a letter to Brown and his supporters, re: Eeyores and Concern Trolls, and the various ways liberal operatives work. It's a good read, and recommended reading: http://tinyurl.com/yktumkc

And, other than that, I've nothing witty or awesome to add, so I'll let you brilliant morons carry the rest of the conversation. . . ^__^

7 Do east coast morons not get internet access until the afternoon or something? Are their Mom's using the computer for online bookclub?

8

So if the do by some fluke lose, the MA Democraps plan on ignoring the election as long as they can until they can get the nationilization  of healthcare done. 

You know they have a hisotry for that. In 1866 they ignored southern elections, through out the southern representatives, appointed new ones at the point of a bayonet, and passed the 14th amendment.

Except the MA folks at that time were called the "radical Republicans".

9 Maybe they had a long night of hobo hunting, Terry.  Or too much value-rite.

10 I wouldn't dump on Snowe this time.  That's a Democrat pipe dream.

What this is telling me is that the Senate version is dead.  I thought they would try to ram the Senate version through the House because getting 60 again is dicey.  I think Nelson wants any excuse to kill this thing now.  Landrieu and Lincoln can't be loving this.

Even libs who would vote for it would rather go back to their states and say that those Wascally Wepublicans foiled us again.

The corruption and cynical way they rammed this through increased the hatred for Democrats we're seeing in the polls (Obama's at -17 on the intensity index and +3 on the abyss index) will grow into white-hot rage, especially as the taxes, etc. come into being.

Also, Coakley's internal polls must be HORRIBLE for them to even be voicing this.

11 You know they have a history for that.

Funny thing, a few years before that they almost left the union over states rights.

12 Don't worry our army of zombie voters and crimmigrants will ensure victory for the Democratic junta remains in power.

13 Watched Brown on Hannity last night and have mixed feelings.  After the build-up, I was expecting greatness (yeah, I know compared to Coakley a piece of cardboard would do better), but have mixed feelings about some of the weasely/painfully repetitive answers.  That said, I still hope to Gaia he wins, but what say other morons about the interview?

14 Scott Brown is a RINO.

15 "third-party candidate Joseph Kennedy."

I looked in the link to see if this doofus's party was the commies, chicken-fuckers, or complete dumbasses, but all it said was "independent"  Like any member of that disgusting family has ever been a stranger to complete corruption.

16 Meh, as illustrated Boston public schools teaches not the proofreading needed here.

17 15 Dave C!  Where have you been?  I was getting ready to send out a posse!

18 #14  Yea!  So what. Anything is better than the hard lefties they have there now!

19 From what I have heard Captain Hate, he isn't part of the Kennedy clan.

Still a rat bastard commie though.

20 #16, Joseph Kennedy the candidate has no relation to 'the Kennedys'. Many idiots are going to vote for him anyway thinking he is 'the' Joe Kennedy kissing up to Uncle Hugo for cheap heating oil.

21
"Yesterday, Democrats got so rattled that they began speaking openly of keeping Brown out of the Senate for as long as they could once he wins."


What? No trunk load of mysterious uncounted ACORN ballots arriving in the middle of the night ?

22

Funny thing, a few years before that they almost left the union over states rights.

If you are speaking of the Hartford Convention what they were against was the war of 1812. I'm not sure I would call that a "State's Rights" issue.

BTW, "States Rights" is a poisoned term. I prefer federal limitations as defined in the Consitution.

23

VIDEO: Scott Brown Interview Last Night With Sean Hannity

+ Poll that shows Brown within 9 points

24

Here is some very comforting news.

25

#22 Is this not good? Anything to siphon away the votes from the Dem's is good. Most Union/Blue Collar people have no ides that the real Kennedy finally went to hell, and is dead.

26

What? No trunk load of mysterious uncounted ACORN ballots arriving in the middle of the night ?

That comes before the delays.

 

27 21 & 22

Ouch; I sit corrected.  It's so hard to imagine a high exposure race in Massaholeits that isn't stained by the presence of one of "those" Kennedys.  What do you think is the % of voters that will choose him just because of that mistake?  It's gotta help Brown I would think.

btw, why do I not get the formatting options for my posts?  Is it the shitty software or my shitty computer?

28 It's been awhile, so I don't remember the exact reason they did Vic, so you may be right.

29 I only want one vote out of Brown: No on healthcare.  That's it.  My guess is that I'll get a lot more.  I believe this election fills the seat until 2012.  I don't know if Brown's been making that case. 

If you're worried that he'll unduly influence the party, don't.  The Dems will be able to find a better candidate to run against him in 2012.

30 Hmmm now the formatting options are present as you can see; but other times they're not there.

31

With any luck, that will split the vote between him and Croakley..

Leaving Brown in the race with a good margin.

That would give them an excuse to change the law again and require a run-off.

32 Wasn't there a lot of inbreeding in the Kennedy clan?

33 btw, why do I not get the formatting options for my posts?  Is it the shitty software or my shitty computer?

Depends on what formatting you want to do, I guess.

I see these options, bold, italics, underline, strike, superscript, subscript, color, fill in color, one for hyperlinks, an omega sign, backward, forward, and view/edit source.

34 A Kennedy as a third party candidate is the real threat to democrats.  Half the dems in Boston have been trained to automatically vote Kennedy, and that is why the election may swing to Brown.

35 If Brown wins, and the democrats refuse to seat him until after the healthcare vote, would be the worst thing our government has done to the people. So bad in fact that I think it would justify taking up arms against them.

36 fox reporting that Florida had snow!!!!

37 Hey, what would be involved in relocating the congressional sessions to a federal penitentiary instead of the Capitol?  Who could make such a decision?  The House and Senate leaders?  The Vice Resident?  That would be a spectacular publicity stunt, but I doubt anyone that could do it would do it. 

38 Gee, I wonder what would happen to the already dismal RNC fundraising if Brown gets elected and Snowe breaks the filibuster.  History calling and all that.

39 Vice Resident = ... um, I'll just leave it as is.

40 Just the fact that they would not certify Brown until after the deathcare vote shows how exceedingly corrupt the Democrat Party has become.

They will go to any lengths to control your life.

41

41 The Vice Resident

accurate

 

 

42

Wasn't there a lot of inbreeding in the Kennedy clan?

That would account for the narrow set eyes, mule teeth and a complete inability to steer anything be it a car, boat or plane.

43 The question of the hour, is the Democrats ACORN voter fraud wing so damaged that they can't rig this Massachusetts election like they did in Minnesota?

Or did Democrats just think their voter fraud wing wouldn't be needed in Massachusetts.

Do Democrats know how to do anything but lie, cheat and steal?

44 I think it's worth noting that in NY-23, the vote was a lot closer than it was reported.  It would have been challenged by Hoffman and there would have been a delay in seating the Dem.  Ultimately, he lost, but I think that this was an organized effort and if I were Brown, I would be careful not to concede early if it appears that he lost.

45 This is the Galaxy Quest election - Never give up!  Never surrender!

46 Speaking of the Harford Convention and treasonous MA politicians, how many school children in MA are currently taught of how the then Gov of MA sent a secret mission to England to strike a separate peace deal with the British during the war of 1812?

47 The vote rigging apparatus is already in place in MA so it doesn't need fixing, although to have all the dead rise up in an out of sequence election may be a little harder than doing it on the usual two year cycle.    Brown is almost certainly a RINO, but a) this is Massachusetts, and b) if (an admittedly unlikely if) he were to win or even come close, it would rattle the Dem establishment considerably

48 O/T: From Steyn's latest:

"Not long after the Ayatollah Khomeini announced his fatwa against Salman Rushdie, the British novelist suddenly turned up on a Muslim radio station in West London late one night and told his interviewer he'd converted to Islam. Marvelous religion, couldn't be happier, Allahu Akbar and all that.

"And the Ayatollah said hey, that's terrific news, glad to hear it. But we're still gonna kill you."

-----------

I never knew that.

49 O/T: From Steyn's latest:

"Not long after the Ayatollah Khomeini announced his fatwa against Salman Rushdie, the British novelist suddenly turned up on a Muslim radio station in West London late one night and told his interviewer he'd converted to Islam. Marvelous religion, couldn't be happier, Allahu Akbar and all that.

"And the Ayatollah said hey, that's terrific news, glad to hear it. But we're still gonna kill you."

-----------

I never knew that.

Posted by: AmishDude at January 09, 2010 01:32 PM (Vo2Ef)

Fatwa aside, Rushdie is still a stark raving liberal moonbat loon and evidently a wussy.

50 52  AD, I never knew "Sal Bass" wasn't a muzzy from the get go.  Hmph.  The things you learn from Morons!

51 40 fox reporting that Florida had snow!!!!

Right-wing conspiracy, obv

52 46 Wasn't there a lot of inbreeding in the Kennedy clan? That would account for the narrow set eyes, mule teeth and a complete inability to steer anything be it a car, boat or plane. Posted by: ErikW at January 09, 2010 01:22 PM (F4urd) That's not true! The Kennedy men steered straight to every available piece of ass. And Kennedys of either sex invariably steered straight to bars and drug dealers without fail.

53 Oh, I didn't say it surprises me, Blazer.  I think it's par for the course for the pompous-ass self-righteous lefty twit.  I just said I didn't know it.

54 #52-It was all part of a propoganda scheme to disguise his whereabouts.It worked too.Maybe Rushdie should be at the helm of the world's intelligence agencies.

55

Brown should have made me his campaign strategist. I would have papered the nation with this:http://tinyurl.com/nervam

56 Wasn't Rushdie married to Padma at some point?

57 Bay Staters are so stupid that they'll vote fore either A) the (D), or B) the guy named Kennedy.

Discuss.

58 Brown probably is a RINO, given his evasiveness with Hannity, but I think this is the one time we can look the other way.  Stopping Obamacare, and I think electing a Republican statewide in friggin' MA does more to that end than his Senate vote, takes precedence over all other concerns at the moment.

After the MA election we can continue crushing the Crists and Mark Kirks (I can dream) of the party.

59

Why are the damn hyperlinks no longer working???

60
Oh, I didn't say it surprises me, Blazer.  I think it's par for the course for the pompous-ass self-righteous lefty twit.  I just said I didn't know it.

Posted by: AmishDude at January 09, 2010 01:35 PM (Vo2Ef)

I believe I read somewhere once that Rushdie was already a muslim but had gone agnostic during after his college years. If so he didnt really convert as much as just started following again.

61 CIA Director Leon Panetta says the Jordanian man who killed seven CIA employees and himself in a bombing in Afghanistan was about to be searched before the explosion.

I don't know, but maybe they should have searched this guy BEFORE they let him in a room with all those high-value CIA specialists.

62 #59

It seems that Chrisoph has inadvertently given you an outstanding nom de cyberplume.  Who said he's completely useless?

63 Well they wanted the biggest experts we had on Al Qaeda to conduct the search in order to be as thorough as possible.

64 Fuck!  Christoph

65 Who said he's completely useless?

Hey!  Nobody is useless.  One can always serve as a bad example.

66 Hi, long time reader, first time commenter.

Posted by: zmalfoy at January 09, 2010 12:49 PM (Vu1tf)

Give me your lunch money.

Or not.  Jump in.  Bacon links are always appropriate.  As the new guy, you have to provide the beer, though.

67 We NHites are very happy about the opportunity to go down into MA and wreck havoc on their elections, like they have on ours for the last 20 years. Our disposition is out of sorts however, because we have not register in their state like they do in ours on "student resident"...an untold story of how they registered up here for the last 2 elections of POTUS... they show up at various sites and vote on demand without any or very little documentation, as they claim to be residents. The D's have been running things , and let them do it. They stole for Kerry and Mac doing this ... grrr..

68 Posted by: di butler/murderous bitch at January 09, 2010 01:38 PM (S3xX1)

Bunk.

69

Brown should have made me his campaign strategist. I would have papered the nation with this:http://tinyurl.com/nervam

Posted by: di butler/murderous bitch at January 09, 2010 01:37 PM (S3xX1)

With the 52 percenters, thats worth a lot of votes.

70 Why is this blog now trying to have sex with my Firefox?

71 O/T:  There is a guy on fox talking about debt.  The guy is saying to stop paying your credit card bills.  He said that after about a hundred days the credit ard company will sell your debt for about 5 cents on the dollar.  He said you can then settle with them for ten or fifteen cents on the dollar.  He says that not everyone should do this since it really damages your credit.  But, he says if it means feeding your kids or paying your credit card bill then feed your kids.  He also said it would take three years to get your credit score back up.  I know friends who are trying to pay off their credit card bills and they are doing everything the credit card gurus say and their credit scores are just as bad as when they started.  They are starting to get very discouraged. 

The guy also said bankruptcy is an option in some cases.

He said raising the deductible on some insurance policies would also lower your bills but then most loses would not be covered.  A friend had a small scratch on her rental car.  They insisted she put in a claim.  Yesterday her car insurance was cancelled and she had to scramble to replace it.  So maybe it doesn't matter if the deductible is high, but it must matter if you even have a small claim.

Friends have also reported having their lights and water turned off after being late only two weeks with the bill.  And apparently iphones are turned off almost immediately when the bill isn't paid and then you have to pay a reconnection fee to get your phone back.  The person with the water and light company issues said they waited twenty four hours after he paid them in cash to turn his lights back on and he said that he found out that is legal.  In some circumstances 24 hours becomes a long time, especially if you have electric heat like he does. 

Also, heat has been turned off and they have 24 hours too.  With the "artic blast" that is very scary, particularly for the elderly and people with small children.

72
It seems that Chrisoph has inadvertently given you an outstanding nom de cyberplume.  Who said he's completely useless?

Posted by: Captain Hate at January 09, 2010 01:40 PM (VGeGl)

O.k., what did I miss ?

73 I believe I read somewhere once that Rushdie was already a muslim but had gone agnostic during after his college years. If so he didnt really convert as much as just started following again.

Posted by: Blazer at January 09, 2010 01:39 PM (t72+4)

--Well, isn;t "pretending" to avoid getting killed central to taqqiya?

74

Speaking of the Harford Convention and treasonous MA politicians, how many school children in MA are currently taught of how the then Gov of senator from MA sent a secret mission to England the USSR to strike a separate peace deal with the British Communists during the war of 1812 Cold War?

The more things change, the more they stay the same.

75 Why is this blog now trying to have sex with my Firefox?

Posted by: Barbarian at January 09, 2010 01:45 PM (EL+OC)

How old is your Firefox?

76 Is Dibutler really a murderer.That would be cool.I have always wanted to be one but I just dont know how to get started.The local community college offers no programs on the subject.

77 O.k., what did I miss ?

Posted by: Blazer at January 09, 2010 01:45 PM (t72+4)

The post-season.

78 O.k., what did I miss ?

Posted by: Blazer at January 09, 2010 01:45 PM (t72+4)

A couple nights ago Christoph got sand in his vag over a statement di made regarding the palis and called her a "murderous bitch".  di, having a real life, went away and did real life things while an online scrum ensued; when she returned and witnessed the carnage she issued a challenge to Christoph on the by-then-dead-thread.  By adding the characterization to her moniker, I'd call her the winner by TKO.

79 80 Is Dibutler really a murderer.That would be cool.I have always wanted to be one but I just dont know how to get started.The local community college offers no programs on the subject.

Posted by: smudge at January 09, 2010 01:48 PM (Rx5UA)

You need to go to University of Illinois at Chicago.

80

--Well, isn;t "pretending" to avoid getting killed central to taqqiya?

Posted by: logprof at January 09, 2010 01:45 PM (gJL6J)

He's been under 24 hr surveillance/security provided by the British since he wrote The Satanic Verses. I also believe that I had heard that he had taken up hanging out with Yusef Islam aka Cat Stephens over the last few years so maybe that has something to do with his taking up Islam again.

81 O.k., what did I miss ?

Posted by: Blazer at January 09, 2010 01:45 PM (t72+4)

The post-season.

Posted by: Herr Morgenholz at January 09, 2010 01:48 PM (I30wK)

Well played sir.     *golf clap*

82

The person with the water and light company issues said they waited twenty four hours after he paid them in cash to turn his lights back on and he said that he found out that is legal.

Electricity cut-off varies from State to State because it is normally covered by State law. In my State the utility can not cut off your electricity until you miss the 3rd payment.

Usually they will work with you before cut off if you make some kind of effort as well.  

83

@75

Another thing I've read is that you shouldn't always pay your credit card on time. Let it kind of drift for a couple of months, just paying the minimum.

WTF? I pride myself on Always paying the balance when it is due.

But somehow, somewhere, that screws up my credit score, according to the experts.

Anyone care to explain that to me?

84 After the build-up, I was expecting greatness

Greatness from any MA republican is a stretch.  I'd settle for dimbulbish level of benign inertness.

85

A couple nights ago Christoph got sand in his vag over a statement di made regarding the palis and called her a "murderous bitch".  di, having a real life, went away and did real life things while an online scrum ensued; when she returned and witnessed the carnage she issued a challenge to Christoph on the by-then-dead-thread.  By adding the characterization to her moniker, I'd call her the winner by TKO.

Posted by: Captain Hate at January 09, 2010 01:50 PM (VGeGl)

Christoph is probably still smarting from getting his ass handed to him last week by Jeff Goldstein and Patterico

86 "dimbulbish level of benign inertness"

...is what happens as you get older, sir.

87 Any opportunity to diminish your manhood in commentary is exploited.  I'm proud of that facet of my life.

Hey.  How far is it between Beckley and Richmond?  I'll be in that hood last weekend of March.

88 I also believe that I had heard that he had taken up hanging out with Yusef Islam aka Cat Stephens over the last few years so maybe that has something to do with his taking up Islam again.

No, this anecdote goes way back.  Later in Steyn's article, he notes that Rushdie was on record being embarassed by this thing..

89 The Democraps would actually stoop so low as to give the Liberal Voters of Massachusetts the Finger if they elected Brown? They are utterly delusional. Don't they realize the generational damage they are imposing on their own party? Sorry, but they are working their hearts out to ensure that whatever they force down the throats of America will be repealed.

90 #87-When paying your credit card balance on time you become a liability because the company can not charge you any overdraught or late fees therefore you are denying them any profits.

91

Another thing I've read is that you shouldn't always pay your credit card on time. Let it kind of drift for a couple of months, just paying the minimum.

WTF? I pride myself on Always paying the balance when it is due.

But somehow, somewhere, that screws up my credit score, according to the experts.

Anyone care to explain that to me?

Posted by: HH at January 09, 2010 01:53 PM (1kwr2)

We've always prided ourselves on our credit status and paying our credit cards on time along with our other bills and we have always canceled cards and other things after we payed them off to stave off assuaging any debt.


Guess who can't get any credit or loans right now? That would be us.

92 I asked him how many payments he missed.  He said he was up to date but for the payment that was due 7 days before.   He said he was on a business trip and forgot about his bill.  He came home to the turn off.  He was really angry but he plans to make a huge issue out of it cause he is a single guy and was fine but he was like upset over the elderly and little kids.

A lot of my friends are saying that you have to really pay your bills on time since they start calling right away.  On friend mails in her bills and was told outright that she should pay on the computer.  Been having fascinating discussions with friends who play the market who are really interested in this type of information as it may be an indication of trouble with the company.  If they were really easy going about late bills and then all of a sudden they are nuts then maybe they are having problems and really do need the money.  That would casue certain reactions in my market playing friends.

93 The Vice Resident

Brilliant.

94
Hey.  How far is it between Beckley and Richmond?  I'll be in that hood last weekend of March.

Posted by: Herr Morgenholz at January 09, 2010 01:56 PM (I30wK)

About three hundred miles as the crow flies.

95 So according to smudge, if I screw up, and don't pay my credit when due and accumulate penalties, then my credit score goes up???

96 The best part of that Cosmoprotestant piece was:  Vote for Brown, a real stimulus package.

97 Leaked video of First Precedent Jugears Asshole Hussein's staffers reviewing first drafts of  State of the Union speech...

(Goes to Youtube)

98 Been having fascinating discussions with friends who play the market who are really interested in this type of information as it may be an indication of trouble with the company.

I harass health insurance companies on behalf of hospitals.  It's like try to screw a mouse's ear to get money out of them now.  They are massively cash crunched.

99 About three hundred miles as the crow flies.

Posted by: Blazer at January 09, 2010 02:01 PM (t72+4)

And crow's don't fly in sedans through that terrain.  No shit?  That far?

I was hoping to make you buy me lunch.

100

97 The Vice Resident

Brilliant.

He lives pretty close to the Resident and First Wookie. 

101

I was hoping to make you buy me lunch.

Posted by: Herr Morgenholz at January 09, 2010 02:05 PM (I30wK)

You'll have to settle for some not so kind words and empty condolences when the Bengirls fail to make the Superbowl. : )

102 O/T:  "An engrossing struggle is breaking out. The US is unhappy with China's efforts to reach the warm waters of the Persian Gulf through the Central Asian region and Pakistan. Slowly but steadily, Washington is tightening the noose around the neck of the Pakistani elites - civilian and military - and forcing them to make a strategic choice between the US and China. This will put those elites in an unenviable dilemma. Like their Indian counterparts, they are inherently "pro-Western" (even when they are "anti-American") and if the Chinese connection is important for Islamabad, that is primarily because it balances perceived Indian hegemony."

103 You'll have to settle for some not so kind words and empty condolences when the Bengirls fail to make the Superbowl. : )

Posted by: Blazer at January 09, 2010 02:07 PM (t72+4)

My brother-in-law is a Stillers fan and lives 6 miles away.  I'm used to it.  I would like to catch up with you and make fun of you face to face sometime.  If you're going to be in Dayton/Cincy let me know.

104 O/T and apologies if you morons have laughed at this already, but this refers to the book Michael Steele should've written:

The Politico:

"Harry Reid is apologizing this morning for casting candidate Barack Obama's light skin and lack of 'Negro dialect' as selling points in his run for president.

"According to the new book 'Game Change,' Reid 'was wowed by Obama's oratorical gifts and believed that the country was ready to embrace a black presidential candidate, especially one such as Obama -- a 'light-skinned' African American 'with no Negro dialect, unless he wanted to have one,' as he said privately."

105 At this point I don't care if Scott Brown is a RINO.  I've been as hard as anyone on Scozzaflava, Specter, Snowe, McCain, et al., but I really want Scott Brown elected.  I don't care if Scott Brown favors partial birth abortion by requiring doctors to strangle babies with their bare hands.  Scott Brown will be the 41st vote against ObamaCare, as well as the 41st vote against Crap & Tax, the 41st vote against amnesty, and the 41st vote against whatever next harebrained socialist scheme Obama dreams up.  Electing Scott Brown would be like getting an interception in the endzone at the start of the 4th quarter.  It changes the momentum and can set the tone for the rest of the game.

And, let's be honest, if Scott Brown turns out to be Specter-grade awful, his term will end very soon and then MA can go back to electing typical liberal moonbats.

106 according to smudge, if I screw up, and don't pay my credit when due and accumulate penalties, then my credit score goes up?

Obviously a graduate of the Pete Stark school of economics.

107

My brother-in-law is a Stillers fan and lives 6 miles away.  I'm used to it.  I would like to catch up with you and make fun of you face to face sometime.  If you're going to be in Dayton/Cincy let me know.

Posted by: Herr Morgenholz at January 09, 2010 02:10 PM (I30wK)

I have family that lives in the Shadyside area. If I get up that way, I'll give you a holler.

108

Curious, I have never heard of ANY electric company in any State that I have ever lived in who cut off service on a bill that was 7 days overdue.

PS: I have lived in a lot of different States.

109 I have family that lives in the Shadyside area. If I get up that way, I'll give you a holler.

Posted by: Blazer at January 09, 2010 02:12 PM (t72+4)

Word.  I'll take you to Waffle House and the local strip joint.

110 At this point I don't care if Scott Brown is a RINO.  I've been as hard as anyone on Scozzaflava, Specter, Snowe, McCain, et al., but I really want Scott Brown elected.  I don't care if Scott Brown favors partial birth abortion by requiring doctors to strangle babies with their bare hands.  Scott Brown will be the 41st vote against ObamaCare, as well as the 41st vote against Crap & Tax, the 41st vote against amnesty, and the 41st vote against whatever next harebrained socialist scheme Obama dreams up.  Electing Scott Brown would be like getting an interception in the endzone at the start of the 4th quarter.  It changes the momentum and can set the tone for the rest of the game.

And, let's be honest, if Scott Brown turns out to be Specter-grade awful, his term will end very soon and then MA can go back to electing typical liberal moonbats.

Posted by: chemjeff at January 09, 2010 02:10 PM (Gk/wA)

I'm not really a social con anyway, I'm more of a small government foreign policy type so I can forgive some of the purity flaws. Scott Brown getting elected in Massachusetts would be big.

111

Gabe gets drunk and we don't get any NFL Cheerleaders?

This place is going to hell, and you cocksuckers don't give a shit.

We going to lose the "cocksucker" contest and no one cares.

Pussys!  Even our trolls suck, shame, shame!

112

#99-No,but it keeps you in the playing field.After your screw ups are forgiven and your credit limit is raised your score will be raised.Ths is what a fella in the local lounge told me after he asked me to buy him a drink.

113

Hey, Herr, Blazer's not the only Richmond Moron.  If you comment on C4P, there's a restaurant cook that would hook you up with some tasty fare, too.

114

7 Do east coast morons not get internet access until the afternoon or something? Are their Mom's using the computer for online bookclub?

Terry, I think it's an Ewok thing and the phase of the moon or something. 

Mostly it valu rite on Friday night, none of these morons know who their moms are.

115 Posted by: Vic at January 09, 2010 02:12 PM (QrA9E)

I agree vic, we all said the same thing to him but he showed one of my friends that his bills were paid and it was only 7 days overdue.  I think what I'm pointing out is that if this can happen to him, whatever the reason, then maybe more companies will do stuff like this.   He complained to his state commission that regulates them and now has a case number.  We will see where this goes.  Really, he's an attorney so I think he is going to pursue this to the nth degree cause he can.

116

As far as I'm concerned, you get a good credit score by mismanaging your finances.  Companies basically want you owing indefinitely, and paying as many penalties as possible so as to maximize profits on you.  Your credit rating is a reflection of this.  This leads to very destructive behavior that keeps you in debt to these companies.  While I'm a firm believer that you should pay back what you owe, and get irritated at all the fraud perpetrated by consumers (Hey, if you're borrowing money you have no intentention of paying back, you're perpetrating fraud.  Ask Congress about that) I don't hold the credit card companies blameless, as they're encouraging the kind of behavior that leads to the fraud. 

Of course, I despise the idea of owing money, and bust my ass to pay stuff off as quickly as possible (currently debt free; paid off a 5 year car loan in 4 months).  If you owe money, you have a master.  If I wanted to be a slave, I'd head for Africa.

117

Curious, I have never heard of ANY electric company in any State that I have ever lived in who cut off service on a bill that was 7 days overdue.

PS: I have lived in a lot of different States.

Posted by: Vic at January 09, 2010 02:12 PM (QrA9E)

Yeah that sounds like dogshit to me; unless it was 7 days after a final notice.

118

Hey, Herr, Blazer's not the only Richmond Moron.  If you comment on C4P, there's a restaurant cook that would hook you up with some tasty fare, too.

Posted by: RushBabe at January 09, 2010 02:17 PM (LKkE

Sweet.  I'd like to get over to DC and see a buddy of mine and make a trip of the whole thing.  Haven't had a chance.

New thread up.

119 Shit.  Sock.

120 Eric Bana + Richard Gere = Scott Brown Does no one else see this? I think he's almost a little too handsome for a politician - his hair doesn't look all fake and his smile isn't smarmy enough.

121

"This place is going to hell, and you cocksuckers don't give a shit.

We going to lose the "cocksucker" contest and no one cares."

We cannot allow a Cocksucker gap!!!

122 I haven't owed anyone a dime in 5 years.  Therefore, I can't borrow money.

123

Oh, and apologies for the snotty attitude on credit debt.  It's a hot button of mine.  And a pet peeve.  And it seriously pisses me off.

124

Another thing I've read is that you shouldn't always pay your credit card on time. Let it kind of drift for a couple of months, just paying the minimum.

WTF? I pride myself on Always paying the balance when it is due.

This is nonsense.  30% of your FICO score is your ratio of credit card balance to credit limit.  A lower ratio is better.  So if your ratio goes up because you only pay the minimum, then your FICO score goes down.

125

A couple nights ago Christoph got sand in his vag over a statement di made regarding the palis and called her a "murderous bitch".  di, having a real life, went away and did real life things while an online scrum ensued; when she returned and witnessed the carnage she issued a challenge to Christoph on the by-then-dead-thread.  By adding the characterization to her moniker, I'd call her the winner by TKO.

Posted by: Captain Hate at January 09, 2010 01:50 PM (VGeGl)

--That rocks.  I saw that addition to her name on the ONT the last couple of nights, but decided to say nothing and not cross someone with that nckname!

126 Yeah that sounds like dogshit to me; unless it was 7 days after a final notice.

Particularly during winter.  Even then, some will install a special meter with a user resettable mini-breaker in it that will trip when more than 5 or 10 amps are pulled.  This allows for running basic lights and a furnace.

127 Cautiously Pessimistic, congratulations on being debt free!  Well yeah, as Dave Ramsey says, the FICO score is an "I Love Debt" score.  I don't think it's this grand conspiracy by banks to keep people slaves to The Man, but I do think it's evolved into a master-slave relationship, where people unknowingly willingly sign up to be slaves by pursuing higher FICO scores.

128 >>>125 Eric Bana + Richard Gere = Scott Brown


So Scott Brown is a bad actor who is a fan of gerbils?

129

Yesterday, Democrats got so rattled that they began speaking openly of keeping Brown out of the Senate for as long as they could once he wins.

Good lord, I don't know how anyone of good concience could be a Democrat. 

130 I payed off two credit cards two years ago.I have not had a late payment of any kind in eight years.I have money in the bank and was turned down for a car loan to the sum of twelve thousand dollars after showing financial proof of my ability to pay a twenty five hundred down payment.No dirty laundry-no loan.

131 I haven't owed anyone a dime in 5 years.  Therefore, I can't borrow money.

Comrade, you are a bad, bad consumer!  How are you supposed to fuel the recovery with this sort of counter-revolutionary anti-patriotic attitude?

132

Cutting off power?  I think all states have a minimum 30 day grace period.   I know NC does.  I think it's 60 days.

Contact your state utilities commission or google the rules.  The only utilities that get away with this shit sometimes are the co-ops, supposedly the consumers friend, but usually a bunch of assholes that resell electricity at a mark up and don't pay federal income taxes.

133

Re: Cautiously...

Of course, at this point in the game and when my Dec./Jan. heat bill comes due, lord knows I may sing a different tune.

(Laughs)

134

Thanks, chemjeff.  I was actually debt free for years before, but due to a couple of years of unemployment in the last decade, I had to borrow for a car.  Dumbest thing about it: the bank required me to take out a minimum 8k loan, in spite of me only needing 2k.  Hence, the short payoff time.

And I don't think the credit debt thing is some grand conspiracy either.  Just an artifact of bad behavior on the part of both parties involved.

135 Just to be clear, I'm not calling curious a liar or a dumbfuck.  I worked in the rates department of an electric utility in Ohio (as Vic well knows, I won't characterize the specific company more than that) and there are safeguards that the state commissions put into place to keep people from getting shut off and freezing to death.  Plus beyond that if people get shut off too quickly it puts too much uncollectables in base rates so everybody would get screwed.  Either the utility screwed up with his friend (for which there will be Hell to pay) or curious's friend has misrepresented his situation.

136 Comrade, you are a bad, bad consumer!  How are you supposed to fuel the recovery with this sort of counter-revolutionary anti-patriotic attitude?

Posted by: Purple Avenger at January 09, 2010 02:29 PM (2euWc)

I'm afraid you're closer to the truth than you mean to be.  Eisenhower warned about the military-industrial complex.  Maybe Goldman Sachs was smaller in the 50s.

137 Well yeah, as Dave Ramsey says, the FICO score is an "I Love Debt" score.

I would bet that Warren Buffet's FICO score is terrible.  His house has been paid off for years, I doubt he has much in the way of credit cards, and his car is probably paid off too.

FICO simply ignores too much to be meaningful.  Credit reports don't show brokerage accounts, real estate holdings, rental income, etc.

138

Posted by: Purple Avenger at January 09, 2010 02:35 PM (2euWc)

The problem is in debt brokerage.  If your bank is going to hold the paper, no big deal if they know you.  That's why car loans are easy.  Mortgages are sold into the market, which means they have to meet certain "standards".  That's why you get a 1 page form to borrow 30 grand for a car and you get a full rectal to borrow 30 grand for a house.

139 #66- Yeah, Christoph has served his purpose. Maybe he can go back under the bridge now. But I guess having the cool new handle is worth having him call me a bitch.

140

All this kind of begs the question. Those of us who pride ourselves in paying off immediate debts, andf then  have a lower credit rating than someone who struggles, or doesn't care, about making payments on time?

What kind of crap is that?

141 What State are we talking about here Curious. It should be pretty easy to find lout what the rules are since it is most likely a State law.

142 136 I payed off two credit cards two years ago.I have not had a late payment of any kind in eight years.I have money in the bank and was turned down for a car loan to the sum of twelve thousand dollars after showing financial proof of my ability to pay a twenty five hundred down payment.No dirty laundry-no loan.

Then the car loan people are idiots.  Sounds like what they did is only look at your FICO score.  If you haven't had any open lines of credit for a while, such that all of the closed accounts have drifted off of your credit report, then you get an automatic zero for the 15% of your FICO score which deals with length of credit history (no credit history = no score), and for the 10% of your FICO score whilch deals with types of credit used (no credit = no score).  Apparently what they are looking for are all those "credit-worthy" people who have 2 car loans, a mortgage, a HELOC, 8 credit cards and $50K in student loans.

Consider it a blessing in disguise - save up more money and pay cash for a car.

143 I would bet that Warren Buffet's FICO score is terrible.

I would bet that Warren Buffet's FICO score is zero.  Ironic isn't it - because he has no credit score he'd have to put up a deposit in order to get a cell phone, even though he could afford to BUY THE WHOLE GODDAMN COMPANY.

144 Oh and Dave Ramsey talks about this - those who have zero credit scores also get dinged for more on car insurance.

145 But I guess having the cool new handle is worth having him call me a bitch.

Posted by: di butler/murderous bitch at January 09, 2010 02:50 PM (S3xX1)

You've heard the phrase "take lemons and make lemonade"?  You took dumbfuckery and made bloody marys.

146 @148 chemjeff

Apparently what they are looking for are all those "credit-worthy" people who have 2 car loans, a mortgage, a HELOC, 8 credit cards and $50K in student loans.

These people you describe have a history with raw data that can be fed into the models.  As bad as that might be, using what is spit-out of the models to represent a risk that is either acceptable or unacceptable satisfies due diligence without bringing human judgment into the picture.

As you have described, anyone with a clean record is invisible, and the loan officer will need to apply some human judgment as due diligence.

Once a bank allows its loan officers to apply human judgment, they open themselves to accusations of bias and discrimination.

At least half of everything that is wrong in this country is attributable to civil rights overreach.

147
I'd call her the winner by TKO.

Yeah, but me and a few others did all the heavy lifting.

Typical women taking all the credit...

148 Oh.  The answer to the FICO problem for people who dislike revolving credit is a simple one:  Get one Visa or Mastercard (preferably a card issued through your bank), and use it instead of cash for everything.

So long as you are not spending money you cannot immediately repay, it's no worse than conducting your business in cash, and it's better in a lot of ways:

1.  No ATM fees

2.  No checks to mess with

3.  Cash-back or other rewards programs

4.  Consumer protection features such as automatic extended return periods or chargebacks against unscrupulous merchants

5.  Consolidated statements of all your purchasing activity (online access available through most banks)

And, you are generating the raw data trail needed to satisfy the FICO black box.

I bank with USAA, and they outshine even AmEx for customer service.

149 Got to go for a while folks. Back later.

150 These people you describe have a history with raw data that can be fed into the models.  As bad as that might be, using what is spit-out of the models to represent a risk that is either acceptable or unacceptable satisfies due diligence without bringing human judgment into the picture.

There's always human judgment.  Who decides how the different proportions of credit details are weighted in the FICO score?  I understand the idea is to minimized biased human judgment.  But the problem is the overreliance on the FICO score and other similar brain-dead statistical calculations.  If I want manual underwriting for my loan, why should that be such a big deal?

Frankly I blame it on laziness of the lenders.  They don't want to do credit checking the correct way, they only want to compare one number to some guideline.

151
BTW.  I'm not denying that systemic and systematic racial discrimination ever existed.  It may still exist for all I know.  The overreach I'm talking about is the idea that reverse discrimination is an acceptable countermeasure.

152 @156 chemjeff

Frankly I blame it on laziness of the lenders.  They don't want to do credit checking the correct way, they only want to compare one number to some guideline.

Can you think of another way to do it without inviting a righteous mau-mauing from the community agitators?

153 Can you think of another way to do it without inviting a righteous mau-mauing from the community agitators?

Use the same idea as college admissions.  For college, admissions people use a combination of numeric measures (e.g., SAT, ACT scores) and non-numeric measures (e.g., essays, extracurricular activities).  In the case of lending, it would be both looking at things like FICO scores, but also manual underwriting, such as actually reading one's credit report.  You can set non-numeric standards for lending that aren't biased, such as with college admissions, requiring applicants to have participated in extracurricular activities.

But let's not kid ourselves, there's always going to be human judgment involved, and with that the potential for bias.  At some point, we just have to say "the system we have established is good enough, so let's go with that."

154

Frankly, lenders are wasting their time with racially neutral lending policies.  If the policies result in unbalanced race ratios, they'll have to change those policies regardless of the fact that there's no input for an applicant's race.  Equal results is the rule, not equal opportunity.

155

Back in the mid 90's I had three credit cards with a couple of thou on each and no job to pay them. So I ignored them for many, many months. I finally got a job and continued to ignore them as I saved the money to pay them a most of the way off all at once. So I called the first credit card company and told them I wanted to pay like $2,000 of the $2,400 I owe and cancel my card -- and the lady at the other end of the line says "Why do you want to do that? We'll accept $1,000 as the final payment and cancel your account". I was shocked but I immediately understood this lady was helping me out. She was also helping out her employer, of course, who was more than happy to end their relationship with me after the thousands they had already with a 23.5% APR. So I called the other two credit card companies, offered them about 50 cents on the dollar to cancel my accounts and they both agreed.

I thought I'd never get credit again.

Next, a few years later, I had a similar problem with being unable to pay off some graduate student loans. They went into default, collection and eventually garnishment. Just before something really drastic happened (being sent to debtors prison?) I arranged a payment schedule and kept with it. Within a year I had credit card offers out the wazoo. Some were pretty crummy with a high monthly fee, high APR and low credit limit, but since I needed to rebuild my credit I got four new credit cards.

Amazingly, from one of the new credit card companies I found out that I had a credit rating of  750. And that was after I'd defaulted twice on student loans (undergrad and grad), canceled three cards at about 50 cents on the dollar (roughly $3,000 less than what I owed) and let a bill for $90 in medical tests go into collection. So I guess lots of people are even shittier credit risks than me.

I wanted to get the monthly fee on my most expensive card ($14/month, $168/yr with a credit limit of $300) reduced by threatening to have it canceled but they said it was a no-go.They were the first to offer me new credit. The woman I talked to there advised me that I could raise my credit score by never paying more than 33% of the balance for at least one year. I tried it and it didn't work. I guess this credit card company specialized in offering credit to risky lenders by charging a high monthly fee and offering a low credit limit. I always paid on time and never got near my limit but hey canceled my account in less than two years. Maybe they had a flawed business model.

What I've learned from all of this is that credit card companies want to make money on interest. That's why, after making lots of money on me, they were agreeable to canceling my accounts at 50 cents on the dollar. They want you to owe them thousands and keep those payments regular as the interest grows and grows. That's the key to getting a good credit rating. To my way of thinking a good credit rating just means "here's a sucker we can make lots of free money off of".

I now pay my credit card accounts in full every month and I doubt it'll ever help my credit score, but at least if I keep it up I'll never experience that ugly feeling of sitting behind the 8 ball again. Besides -- I like paying at the pump. And if things ever turn really south again I have thousands at my fingertips that I may only have to eventually repay with my credit rating.

Which leads to the declaring bankruptcy discussion. I've never been there an done that, but if you really have to do it, do it. It's a pretty drastic step but it's better than losing everything.

156 @159 chemjeff

No offense, but what you are describing is a more complex version of the same thing. 

No matter what you examine to determine creditworthiness, the end result is either lend or don't lend.

The fatal flaw in what you propose is this:  "You can set non-numeric standards for lending that aren't biased, such as with college admissions, requiring applicants to have participated in extracurricular activities."

Under the ridiculous legal theory of disparate impact, the lender would bear the burden to prove that any non-numeric standard isn't biased if the pass/fail numbers are worse for any protected class.

Flip this on its head, and picture a lending institution with a bigoted loan officer who hates a particular flavor of people and gets his rocks off by denying loans.

The system we have is good enough.  There are many ways to succeed at the game so long as you understand how.  You can build an excellent FICO score without going into real debt.

Anyone who wishes to run his life on a hardline "neither a borrower nor lender be" basis needs to understand that it takes years to lay-down a trail in case he changes his mind.

157 @160 Cautiously Pessimistic

Frankly, lenders are wasting their time with racially neutral lending policies.  If the policies result in unbalanced race ratios, they'll have to change those policies regardless of the fact that there's no input for an applicant's race.  Equal results is the rule, not equal opportunity.

If FICO scores could be challenged in the courts because of adverse impact, they would have been. 

Instead, the community agitators mau-mau banks, threaten boycotts, and block mergers and sales under provisions of the CRA.

158

@163 MikeO

If FICO scores could be challenged in the courts because of adverse impact, they would have been. 

Instead, the community agitators mau-mau banks, threaten boycotts, and block mergers and sales under provisions of the CRA.

You say that like you're saying something different from what I said.  The results weren't the same, and the lenders changed their policies.  That the courts weren't forcing them to is immaterial.

159 @164 Cautiously Pessimistic

You are absolutely right.

This is interesting because you've exposed me to my own bias about the courts.  Even though I say they're full of shit, I still unconsciously lend them unwarrented prestige in my head.

Thanks for the wake-up call.

160 Is this thread still alive? I did 4+ hours at the phone bank in Littleton today. Don't know where they took the picture in Legal Insurrection, probably in Needham. We had more people on the phones than they show. Thanks for all the support!

161 Here's a link to part 3 of a recent debate woth Borwn, Coakley, and Kennedy:

http://www.youtube.com/watch?v=CK-HPkz-kK4

After watching that debate, I wouldn't bother to vote at all.  Brown is a sate senator who is bragging about his part in writing the law that gave Massachusetts mandatory health insurance.  In part 2 of the debate he says he believes that health insurance is a right that everyone is entitled to, and he's proud to have worked with Ted Kennedy in getting Massachusetts the health care system we have now.

The only person in that debate who makes any sense is Kennedy.  He's a Libertarian running as an Independent and is no relation to the Kennedy family.

162 Here's part 4 of the Brown, Coakley, Kennedy debate:

http://www.youtube.com/watch?v=z6I74aZSA_0

Kennedy is a Ron Paul nut job.