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  • Adrienne 9:28 AM on 06/04/2010 Permalink | Reply
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    Remember When the White House Occupants Had Some Class? 

    While the Obama’s and their ilk continue to rain criticism and blame upon the former President Bush, this is what Laura Bush had to say in an interview:

    Former first lady Laura Bush says she doesn’t think President Barack Obama should be faulted for the continuing oil spill crisis in the Gulf Coast area.

    Interviewed on “Good Morning America,” Mrs. Bush said: “I think they’re doing everything they can.” She said it cannot be one person’s responsibility to solve the problem.

    She went on to say this about Katrina:

    In her appearance Friday, Mrs. Bush was asked about comparisons with the federal government’s slow response to Hurricane Katrina under the leadership of her husband, President George W. Bush. She declined to answer directly, but did say “there’s always a lot of finger-pointing in something like this.”

    Meantime, the Obama’s were yucking it up with Paul McCartney who proceeded to insult the literary capabilities of President Bush.  I might add that the Obama’s two young daughters were witness to this despicable behavior by a guest in the White House.  Keep it classy, Obama!

     
    • Jill 9:42 AM on 06/04/2010 Permalink | Reply

      Re your title, Only very vaguely. It seems a lifetime since the One took over. And that remark from McCartney was as classless as Obama.

      But they know how to party.

  • Adrienne 11:22 AM on 06/03/2010 Permalink | Reply
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    Can you afford that house payment? 

    One of the reasons for the housing bubble bursting was people buying homes they couldn’t afford.  I don’t want to rehash all the reasons for this mess, but instead give you a different way of figuring out how much house you can afford to buy, and some insights on protecting yourself in these turbulent times.

    Banks usually base payments on 28 to 33% of net income.  If the household take home income is 50K per year, at 28% that translates into a payment of $1,166.66 per month including principle, interest, taxes and insurance.   Using 33%, we come up with a payment of $1375.00.

    Let’s explore an entirely different way to calculate your payment.  My method bases your house payment on the minimum wage of the state in which you reside.  I’m going to use $7.25 per hour because that seems to be the minimum wage figure in the majority of states.  I’m also going to include two wage earners in the household because that seems to be the norm.

    Two people working full time at a minimum wage job will make approximately $2400.00 per month in gross salary.  Let’s be generous and say taxes and deductions come to $100.00 per person.  That means the net income to the household  is $2200.00.  When you figure 28% of that figure you come up with $616.00 for a house payment.  My husband and I are in our third house.  We have never had a house payment over $700.00 (PITI).  And, after finally sticking to Dave Ramsey’s way of managing money, we haven’t had car payments for over 20 years.

    We live in unsettled times.  We have a maniac in the White House who is spending money that hasn’t even been printed yet.  Jobs are disappearing and new ones are not forthcoming.  There are people losing their jobs who believed it “could never happen to them.”  If worse came to worse and the two wage earners of the house were reduced to working minimum wage jobs, they would be able to keep a roof over their heads without too much trouble by using my “minimum wage” calculations.

    To survive these turbulent times, one needs to become more self-sufficient and not be  not drowning in debt.

     
    • backyardconservative 3:40 PM on 06/03/2010 Permalink | Reply

      Definitely makes sense.

      • Carol 6:33 PM on 06/03/2010 Permalink | Reply

        Good advice. After reading your post I did some calculations. A couple with good (okay, very good) credit can get a thirty year fixed at four percent if they pay a couple of points. To get the kind of payment you are suggesting the couple would not finance more than 100K. The credit union I work for will not finance more than 80% which means the buyer needs to come up with a healthy chunk of change up front. We have had relatively few foreclosures at my credit union despite the fact unemployment has hit our membership base hard and I believe one of the reasons is because people are less likely to walk away when they have their own money invested in the home.

        I always tell people to take a 30 year fixed but pay like it is a 15 year while you can. I also strongly urge people to never, ever take out a second mortgage on their home to payoff consumer debt unless it is the only thing standing between them and bankruptcy. Taking out a debt consolidation loan can be the biggest mistake a couple makes unless they are incredibly disciplined.

      • Adrienne 9:19 PM on 06/03/2010 Permalink | Reply

        Very good advice. We sort of like the 15 year loan but if you do get a 30 and pay like a 15 it works.

        We simply bootstrapped ourselves up each house. The most we ever paid for a house was 90K (the one we’re in now) When the bubble pushed it to 350K we were astounded. Now it’s back to about 270K which is still a healthy profit for 10 years..

  • Adrienne 9:08 AM on 04/19/2010 Permalink | Reply  

    Tell Us Something We Don’t Know 

    The first thing I see on Google news today is Poll: Barely 1 in 5 trust D.C.  New Poll shows confidence at an all-time low from the Salt Lake Tribune.

    Memeorandum picked up on the poll with a direct link to the Pew Research Center – Distrust, Discontent, Anger and Partisan Rancor

    Now really – is there anyone in this country who doesn’t already know this?  To answer my own question, I suppose there are.  What scares me is there are people out there completely unaware of the “shenanigans” going on in D.C.

    I have also noticed while out and about, some people seem almost afraid to voice their concerns if they lean toward the right.  Have you noticed anything like that?

     
    • Jill 9:22 AM on 04/19/2010 Permalink | Reply

      I’d like to have a chat with some of that 22 percent who say “they can trust Washington almost always or most of the time and just 19 percent say they are basically content with it.” Really?

      Jim Treacher warns: Dangerous anti-government freaks are… um… 80% of the country

      • Sherry 11:24 AM on 04/19/2010 Permalink | Reply

        Adrienne, you raise a point that has been on my mind lately. The template goes: If you speak, you are rage filled, hateful, racist, unpatriotic selfish and ignorant. If you associate with those unafraid to speak, you are rage filled, hateful, racist, unpatriotic, selfish and ignorant. If you listen to those who speak you are a ….so if you can’t say it and you can’t listen to it and you can’t hear it without being on the receiving end of such a pile of bilge, it makes it much harder to line up and say, “I oppose this.” It makes it much easier to be quiet, to stay home and to keep one’s nose clean. And if you point out your fear, you’re paranoid.

        But one can’t think this intimidation via smears both broad and innacurate and constant and ongoing isn’t intentional. It’s straight out of the Alinski handbook. Anyone who speaks will receive the Sarah Palin treatment. Anyone who runs will receive the Sarah Palin treatment. And Lord knows, not everyone is as steely as Sarah.

        • backyardconservative 12:25 PM on 04/19/2010 Permalink | Reply

          Yes, you are right, and now they are trying to smear us as all being Timothy McVeighs.

          I wrote about this this morning.

          http://backyardconservative.blogspot.com/2010/04/who-is-being-incendiary.html

          Bill Clinton is politicizing this anniversary, but as Rush points out this morning Bill Clinton himself described Obama as having the instincts of a Chicago thug, back in 2008.

          • rubyslipperblog 3:00 PM on 04/19/2010 Permalink | Reply

            MSNBC has been running promos of their Timothy McVeigh special tonight for a month touting the anti-government smear. Guess we know what channel Bill gets his news from

        • Adrienne 12:51 PM on 04/19/2010 Permalink | Reply

          Sherry – exactly right. And I think it’s seeping down to the “ordinary” folks…

          • Sherry 1:24 PM on 04/19/2010 Permalink | Reply

            It parallels the way pro-life advocates are being corralled into silence. You can’t speak or be near a clinic. You cannot hold certain signs. You cannot create an alternative clinic without holding up a sign indicating you don’t do abortions and aren’t “full service” (baltimore and montgomery county Md), you can’t be prolife if you are a democrat in office, you can’t be prolife and live out that prolife value because you now must subsidize abortions via taxes. So, you must not really be prolife….

  • Adrienne 12:36 PM on 04/12/2010 Permalink | Reply  

    Important Information 

    Important Information

    Many, many thanks to RightKlik for his links to some of the most user-friendly and useful sites I’m seen in a long time.  RK is reminding us that it’s not enough to attend Tea Party events and make signs.  The time to get involved in your local elections is now.
    Head over and check out the links to primary election dates in all the States and another that lists who’s running in your state/district.  If you have a blog, pass these links on and encourage people to get involved in the primaries.

    We will remember in November

    Conservatives, Tea Partiers and concerned citizens of every variety have pledged to remember the blatant disregard for the will of the people that this Congress has displayed. People who think this country is headed in the wrong direction plan to make their voices heard load and clear on November 2nd. I’m looking forward to that day.
    But there’s a problem with that plan. If we wait until November to get involved, many of us will be stuck having to choose between bad candidates and candidates who are even worse.

    Are you tired of choosing between the lesser of two evils when you step up to the ballot box? Get involved in the primaries. Promote your favorite candidates on a blog, on Twitter, and in letters to the editor. Make financial contributions. And don’t just show up to vote…take like-minded friends with you.  read the rest and bookmark the links RK has provided.

    Thanks RK

    Cross posted at Adrienne’s Corner

     
    • RightKlik 7:56 PM on 04/12/2010 Permalink | Reply

      Great Blog. Thanks for posting this. We have a lot of work to do. Lets get busy. Next primaries: May 4th…Indiana, North Carolina, Ohio!

    • rubyslipperblog 8:45 PM on 04/12/2010 Permalink | Reply

      Thanks Adrienne, I linked here and to Right Klick, we need to be very busy between now and November.

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