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	<title>Comments on: Bad Credit</title>
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	<description>where orders emerge</description>
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		<title>By: Elizabeth Roberts</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-188052</link>
		<dc:creator>Elizabeth Roberts</dc:creator>
		<pubDate>Fri, 30 Oct 2009 06:12:00 +0000</pubDate>
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		<description>thanks for your resources. There are lots of good affiliates who offer best. it is better to take reviews before deciding to get one</description>
		<content:encoded><![CDATA[<p>thanks for your resources. There are lots of good affiliates who offer best. it is better to take reviews before deciding to get one</p>
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		<title>By: Elizabeth Roberts</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-188053</link>
		<dc:creator>Elizabeth Roberts</dc:creator>
		<pubDate>Fri, 30 Oct 2009 06:12:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-188053</guid>
		<description>thanks for your resources. There are lots of good affiliates who offer best. it is better to take reviews before deciding to get one</description>
		<content:encoded><![CDATA[<p>thanks for your resources. There are lots of good affiliates who offer best. it is better to take reviews before deciding to get one</p>
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		<title>By: Anonymous</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187323</link>
		<dc:creator>Anonymous</dc:creator>
		<pubDate>Sun, 25 Oct 2009 14:57:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187323</guid>
		<description>I am not really concerned about the richest 400 people and their $1.5T. They and the banks are keeping the system working for all of us &quot;serfs.&quot; 

Using the $45B figure for credit card fees and the 2007 census data from govt, I calculate that, per capita, banks made about $150 each this year, or about $300 per wage earner/worker in the labor force. What did I get for my $300? 

-I do not have to stand in line at banks to get my cash out to go shopping. That adds up to many hours per year of my time saved. 

-I do not have to carry large amounts of cash and risk getting robbed or losing it when i go to make a major purchase. Peace of mind. 

-I can order things on the phone and over the internet using a card, shopping for the best prices not available in my high-rent NY neighborhood. 

-I can go on vacation in foreign countries and instantly get cash equivalents in their currency at an ATM, saving major hassles of paperwork and risk carrying currency and exchanging it. 

The list of advantages to using plastic goes on and on. 

Considering the low annual cost ($300), compared to real taxes paid to govt, which are orders of magnitude higher, I am happy to pay it for the convenience it brings to my life. But what conveniences, in comparison, do I get for my &gt;$100,000 paid to govt in taxes annually? 

I would rather have bankers making money off me in exchange for services I really want and value, than having Nancy Pelosi and her buddies getting rich from my tax dollars providing govt &quot;services&quot; I really don&#039;t want.  </description>
		<content:encoded><![CDATA[<p>I am not really concerned about the richest 400 people and their $1.5T. They and the banks are keeping the system working for all of us &#8220;serfs.&#8221; </p>
<p>Using the $45B figure for credit card fees and the 2007 census data from govt, I calculate that, per capita, banks made about $150 each this year, or about $300 per wage earner/worker in the labor force. What did I get for my $300? </p>
<p>-I do not have to stand in line at banks to get my cash out to go shopping. That adds up to many hours per year of my time saved. </p>
<p>-I do not have to carry large amounts of cash and risk getting robbed or losing it when i go to make a major purchase. Peace of mind. </p>
<p>-I can order things on the phone and over the internet using a card, shopping for the best prices not available in my high-rent NY neighborhood. </p>
<p>-I can go on vacation in foreign countries and instantly get cash equivalents in their currency at an ATM, saving major hassles of paperwork and risk carrying currency and exchanging it. </p>
<p>The list of advantages to using plastic goes on and on. </p>
<p>Considering the low annual cost ($300), compared to real taxes paid to govt, which are orders of magnitude higher, I am happy to pay it for the convenience it brings to my life. But what conveniences, in comparison, do I get for my &gt;$100,000 paid to govt in taxes annually? </p>
<p>I would rather have bankers making money off me in exchange for services I really want and value, than having Nancy Pelosi and her buddies getting rich from my tax dollars providing govt &#8220;services&#8221; I really don&#8217;t want.</p>
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		<title>By: mcwop</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187157</link>
		<dc:creator>mcwop</dc:creator>
		<pubDate>Fri, 23 Oct 2009 12:19:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187157</guid>
		<description>No, I do not make your case, becuase unlike you I would not grant these people more power, whereas you would, and do.</description>
		<content:encoded><![CDATA[<p>No, I do not make your case, becuase unlike you I would not grant these people more power, whereas you would, and do.</p>
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		<title>By: mcwop</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187158</link>
		<dc:creator>mcwop</dc:creator>
		<pubDate>Fri, 23 Oct 2009 12:19:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187158</guid>
		<description>No, I do not make your case, becuase unlike you I would not grant these people more power, whereas you would, and do.</description>
		<content:encoded><![CDATA[<p>No, I do not make your case, becuase unlike you I would not grant these people more power, whereas you would, and do.</p>
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		<title>By: Randy</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187153</link>
		<dc:creator>Randy</dc:creator>
		<pubDate>Fri, 23 Oct 2009 11:10:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187153</guid>
		<description>I was just thinking about &quot;lack of access&quot;.  I wonder if they will force people in remote locations to obtain health insurance even though no providers exist within a reasonable distance/time.  And even in not so remote areas.  I can easily see a situation develop in which people are forced to pay for a government run plan, but no providers are actually available when they need assistance because the providers refuse to provide any decent level of service for the reimbursement rates offered by the government.  This is already happening frequently to medicare patients.</description>
		<content:encoded><![CDATA[<p>I was just thinking about &#8220;lack of access&#8221;.  I wonder if they will force people in remote locations to obtain health insurance even though no providers exist within a reasonable distance/time.  And even in not so remote areas.  I can easily see a situation develop in which people are forced to pay for a government run plan, but no providers are actually available when they need assistance because the providers refuse to provide any decent level of service for the reimbursement rates offered by the government.  This is already happening frequently to medicare patients.</p>
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		<title>By: Randy</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187154</link>
		<dc:creator>Randy</dc:creator>
		<pubDate>Fri, 23 Oct 2009 11:10:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187154</guid>
		<description>I was just thinking about &quot;lack of access&quot;.  I wonder if they will force people in remote locations to obtain health insurance even though no providers exist within a reasonable distance/time.  And even in not so remote areas.  I can easily see a situation develop in which people are forced to pay for a government run plan, but no providers are actually available when they need assistance because the providers refuse to provide any decent level of service for the reimbursement rates offered by the government.  This is already happening frequently to medicare patients.</description>
		<content:encoded><![CDATA[<p>I was just thinking about &#8220;lack of access&#8221;.  I wonder if they will force people in remote locations to obtain health insurance even though no providers exist within a reasonable distance/time.  And even in not so remote areas.  I can easily see a situation develop in which people are forced to pay for a government run plan, but no providers are actually available when they need assistance because the providers refuse to provide any decent level of service for the reimbursement rates offered by the government.  This is already happening frequently to medicare patients.</p>
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		<title>By: Justin P</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187102</link>
		<dc:creator>Justin P</dc:creator>
		<pubDate>Thu, 22 Oct 2009 22:07:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187102</guid>
		<description>I&#039;m referring to the tax through monetary debasement by the Fed. That is the very real cost of holding cash. 
Just think of the cost when the dollar drops and goes Wiemar?</description>
		<content:encoded><![CDATA[<p>I&#8217;m referring to the tax through monetary debasement by the Fed. That is the very real cost of holding cash.<br />
Just think of the cost when the dollar drops and goes Wiemar?</p>
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		<title>By: Anonymous</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187090</link>
		<dc:creator>Anonymous</dc:creator>
		<pubDate>Thu, 22 Oct 2009 20:44:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187090</guid>
		<description>Can you explain how that works? How is it that I, a cash-paying member of society, is paying money to CitiBank by going to merchants who do not accept credit cards (the barber shop referred above)? Extend that explanation to those shops who do accept credit cards.

</description>
		<content:encoded><![CDATA[<p>Can you explain how that works? How is it that I, a cash-paying member of society, is paying money to CitiBank by going to merchants who do not accept credit cards (the barber shop referred above)? Extend that explanation to those shops who do accept credit cards.</p>
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		<title>By: Anonymous</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187089</link>
		<dc:creator>Anonymous</dc:creator>
		<pubDate>Thu, 22 Oct 2009 20:40:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187089</guid>
		<description>Decentralization through centralization. Freedom through slavery. Ignorance is strength. 

You&#039;d make Orwell proud.
</description>
		<content:encoded><![CDATA[<p>Decentralization through centralization. Freedom through slavery. Ignorance is strength. </p>
<p>You&#8217;d make Orwell proud.</p>
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		<title>By: rpl</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187071</link>
		<dc:creator>rpl</dc:creator>
		<pubDate>Thu, 22 Oct 2009 18:13:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187071</guid>
		<description>&lt;blockquote&gt;
health care bills are a leading cause of bankruptcy
&lt;/blockquote&gt;
I hope you&#039;re not relying on the Warren study for that factoid.  It has two glaring oversights that render it worthless.
</description>
		<content:encoded><![CDATA[<blockquote><p>
health care bills are a leading cause of bankruptcy
</p></blockquote>
<p>I hope you&#8217;re not relying on the Warren study for that factoid.  It has two glaring oversights that render it worthless.</p>
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		<title>By: Anonymous</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187070</link>
		<dc:creator>Anonymous</dc:creator>
		<pubDate>Thu, 22 Oct 2009 17:53:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187070</guid>
		<description>&quot;I rather suspect it&#039;s the later. Call me silly.&quot;


You&#039;re SILLY!</description>
		<content:encoded><![CDATA[<p>&#8220;I rather suspect it&#8217;s the later. Call me silly.&#8221;</p>
<p>You&#8217;re SILLY!</p>
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		<title>By: Anonymous</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187069</link>
		<dc:creator>Anonymous</dc:creator>
		<pubDate>Thu, 22 Oct 2009 17:52:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187069</guid>
		<description>45,000 die a year related to the lack of access and health care bills are a leading cause of bankruptcy (only in THIS country)... oh but I bet you have a government subsidized plan so there must be no crisis. I LOVE THE way you guys think..OR DON&#039;T.

Do you know the details of your own plan?
Can they recind you, or drop you or choose not to renew your plan if you get sick. Is there a yearly cap they will pay for your rare disease when you get it?</description>
		<content:encoded><![CDATA[<p>45,000 die a year related to the lack of access and health care bills are a leading cause of bankruptcy (only in THIS country)&#8230; oh but I bet you have a government subsidized plan so there must be no crisis. I LOVE THE way you guys think..OR DON&#8217;T.</p>
<p>Do you know the details of your own plan?<br />
Can they recind you, or drop you or choose not to renew your plan if you get sick. Is there a yearly cap they will pay for your rare disease when you get it?</p>
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		<title>By: Anonymous</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187068</link>
		<dc:creator>Anonymous</dc:creator>
		<pubDate>Thu, 22 Oct 2009 17:48:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187068</guid>
		<description>Most if not all made their riches BEFORE becoming politicians... So again it&#039;s wealth infiltrating politics not politicians becoming wealthy. Makes MY case.</description>
		<content:encoded><![CDATA[<p>Most if not all made their riches BEFORE becoming politicians&#8230; So again it&#8217;s wealth infiltrating politics not politicians becoming wealthy. Makes MY case.</p>
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		<title>By: Anonymous</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187065</link>
		<dc:creator>Anonymous</dc:creator>
		<pubDate>Thu, 22 Oct 2009 16:27:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187065</guid>
		<description>He thinks we&#039;d all be better off if Bill Gates retired after making $25 million. 

What&#039;s so bad about an individual controlling a lot of money? That money doesn&#039;t disappear. There are only a few things someone can do with money: consume it, save it, invest it, give it away. Those options are the same for a billionaire as they are for the rest of us. And no matter what the billionaire does with the money, everyone else benefits in one way or another.</description>
		<content:encoded><![CDATA[<p>He thinks we&#8217;d all be better off if Bill Gates retired after making $25 million. </p>
<p>What&#8217;s so bad about an individual controlling a lot of money? That money doesn&#8217;t disappear. There are only a few things someone can do with money: consume it, save it, invest it, give it away. Those options are the same for a billionaire as they are for the rest of us. And no matter what the billionaire does with the money, everyone else benefits in one way or another.</p>
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		<title>By: BoscoH</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187061</link>
		<dc:creator>BoscoH</dc:creator>
		<pubDate>Thu, 22 Oct 2009 14:40:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187061</guid>
		<description>Somewhere up there, George wrote: &lt;i&gt;If I could change one rule I&#039;d either have a maximum wage of say $25 million or just tax the crap out of any earnings greater then 25 million... say maybe 90%. People need incentive too grow their productive businesses not their personal fortune (beyond on need).&lt;/i&gt;

Physician and psychologist! How do you find the time?</description>
		<content:encoded><![CDATA[<p>Somewhere up there, George wrote: <i>If I could change one rule I&#8217;d either have a maximum wage of say $25 million or just tax the crap out of any earnings greater then 25 million&#8230; say maybe 90%. People need incentive too grow their productive businesses not their personal fortune (beyond on need).</i></p>
<p>Physician and psychologist! How do you find the time?</p>
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		<title>By: mcwop</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187059</link>
		<dc:creator>mcwop</dc:creator>
		<pubDate>Thu, 22 Oct 2009 13:58:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187059</guid>
		<description>Plenty of rich politicians, and a few billionaire politicians.

Michael R. Bloomberg Mayor, New York  $4.8 billion
Winthrop Rockefeller Lt. Governor, Arkansas 1.2 billion
B. Thomas Golisano Gubernatorial candidate, New York 1.1 billion
John Kerry Senator, Massachusetts 550 million
Tony Sanchez Gubernatorial candidate, Texas 500 million
Amo Houghton Representative, New York 	475 million
Jon S. Corzine Senator, New Jersey 300 million
Herb Kohl Senator, Wisconsin 	250 million
Jay Rockefeller Senator, West Virginia 200 million
Mark R. Warner Governor, Virginia 200 million 

Forbes List Richest Politicians:
http://www.forbes.com/2002/10/28/richpoliticianslide.html?thisSpeed=20000</description>
		<content:encoded><![CDATA[<p>Plenty of rich politicians, and a few billionaire politicians.</p>
<p>Michael R. Bloomberg Mayor, New York  $4.8 billion<br />
Winthrop Rockefeller Lt. Governor, Arkansas 1.2 billion<br />
B. Thomas Golisano Gubernatorial candidate, New York 1.1 billion<br />
John Kerry Senator, Massachusetts 550 million<br />
Tony Sanchez Gubernatorial candidate, Texas 500 million<br />
Amo Houghton Representative, New York 	475 million<br />
Jon S. Corzine Senator, New Jersey 300 million<br />
Herb Kohl Senator, Wisconsin 	250 million<br />
Jay Rockefeller Senator, West Virginia 200 million<br />
Mark R. Warner Governor, Virginia 200 million </p>
<p>Forbes List Richest Politicians:<br />
<a href="http://www.forbes.com/2002/10/28/richpoliticianslide.html?thisSpeed=20000" rel="nofollow">http://www.forbes.com/2002/10/28/richpoliticianslide.html?thisSpeed=20000</a></p>
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		<title>By: Alexei</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187057</link>
		<dc:creator>Alexei</dc:creator>
		<pubDate>Thu, 22 Oct 2009 13:28:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187057</guid>
		<description>But is there really a health care crisis?

Or is it really just the latest in a multitude of &quot;crises&quot; manufactured by the political elites and spewed by a sycophantic media to justify yet another power and money grab for themselves and their favored friends at the expense of our money and liberty?

I rather suspect it&#039;s the later.  Call me silly.</description>
		<content:encoded><![CDATA[<p>But is there really a health care crisis?</p>
<p>Or is it really just the latest in a multitude of &#8220;crises&#8221; manufactured by the political elites and spewed by a sycophantic media to justify yet another power and money grab for themselves and their favored friends at the expense of our money and liberty?</p>
<p>I rather suspect it&#8217;s the later.  Call me silly.</p>
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		<title>By: muirgeo</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187054</link>
		<dc:creator>muirgeo</dc:creator>
		<pubDate>Thu, 22 Oct 2009 12:42:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187054</guid>
		<description>Again you can use cash but you are still paying the increased price the merchant has to add to the cost of your haircut to cover his mastercard fees.

No... you need to understand you pay taxes to Citibank on are regular basis weather you like it or not. You may not be a full-fledged serf but you are a mini-serf. Me too and I don&#039;t like it. I&#039;m not one to defend it as some are around here.</description>
		<content:encoded><![CDATA[<p>Again you can use cash but you are still paying the increased price the merchant has to add to the cost of your haircut to cover his mastercard fees.</p>
<p>No&#8230; you need to understand you pay taxes to Citibank on are regular basis weather you like it or not. You may not be a full-fledged serf but you are a mini-serf. Me too and I don&#8217;t like it. I&#8217;m not one to defend it as some are around here.</p>
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		<title>By: muirgeo</title>
		<link>http://cafehayek.com/2009/10/bad-credit.html/comment-page-1#comment-187053</link>
		<dc:creator>muirgeo</dc:creator>
		<pubDate>Thu, 22 Oct 2009 12:39:00 +0000</pubDate>
		<guid isPermaLink="false">http://cafehayek.com/?p=6968#comment-187053</guid>
		<description>No one in my organization that I know off makes more then  half million a year... if even that.

Me personally.... I voted to freeze our plenty-good-enough wages for the next several years so we could add more docs and nurses to provide better care. I&#039;d much rather have another partner to share the work load and help improve my quality of care and job satisfaction than a salary increase at this point. But there are some fricking paper pushing asswipes out there that think they deserve another $20 million bonus for doing nothing of value. </description>
		<content:encoded><![CDATA[<p>No one in my organization that I know off makes more then  half million a year&#8230; if even that.</p>
<p>Me personally&#8230;. I voted to freeze our plenty-good-enough wages for the next several years so we could add more docs and nurses to provide better care. I&#8217;d much rather have another partner to share the work load and help improve my quality of care and job satisfaction than a salary increase at this point. But there are some fricking paper pushing asswipes out there that think they deserve another $20 million bonus for doing nothing of value.</p>
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