The Democratic Candidates

mrussel1

Lerxst1992 said:

Spiritual_Chaos said:

Seth Myers points out Biden being wrong:

https://youtu.be/kQiMdZJBRI8

Lord Biden is never wrong.

I'm not sure they will have an epiphany about working with Democrats, but I do think many will be asking for redemption when this sad period of our history is over.  

The Juggler

brianlux said:

Smellyman said:

My vote

https://youtu.be/C5-DCiKfLoM

Yeah, I like Booty Judge.  Smart guy, good choice.

I watched the last 20-25 minutes or so. He came off real well. 

brianlux

The Juggler said:

brianlux said:

Smellyman said:

My vote

https://youtu.be/C5-DCiKfLoM

Yeah, I like Booty Judge.  Smart guy, good choice.

I watched the last 20-25 minutes or so. He came off real well. 

For sure.  The idea of having an intelligent, well spoken, sincere person as president is, well, almost overwhelming in its appeal!

Spiritual_Chaos

Watching the Boot now on Fox.

Spiritual_Chaos

Man he's sharp.

Spiritual_Chaos

Owning the abortion questions without having to use a sharpie.

Spiritual_Chaos

Biden is really good when he's using his soft, comforting voice and says things like "He (Trump) just don't get it..."

Ledbetterman10

I just watched it too. He's definitely a good politician that will be around for a while. If I was a democrat and voted in their primary, he'd probably get my vote. Partially by process of elimination (Bernie and Biden are relics, and the rest I don't take seriously), but also partially because, as he always says as a main talking-point, he won't be Trump's age until like 2050 or something like that. I like the idea of a president around my age because he or she would (hopefully) be concerned with where people like myself are in 20-40 years. You think Trump or Biden give a shit about 20 years from now? 

Meltdown99

mrussel1 said:

Meltdown99 said:

mrussel1 said:

Meltdown99 said:

mrussel1 said:

benjs said:

mrussel1 said:

New proposal from Kamela.  I like it.  I also think it's feasible since companies can adjust for merit and tenure.  Second, using a third party certification process is a great idea.  I'm sure SHRM-CP and similar companies will dig it too.  Thoughts?

https://www.huffpost.com/entry/equal-pay-kamala-harris_n_5ce18f8de4b09e0578061ac4

I like this a lot. She seems to be thinking pretty globally in terms of the impacts and how they'll be mitigated or how they can be used to support the idea.

Exactly.  Sanders and AOC rolled out that max interest rate of 15% for credit proposal last week.  It was clear to me that they had not thought one minute about how badly that will actually hurt the underserved/poor consumers in this country.  The unintended consequences have already been seen with previous regulation.  Harris's seems to be well thought out and she likely consulted from both perspectives.  Good for her.  Plus it isn't out to destroy a specific company.  

So credit card companies cannot thrive at 15% interest?  Or do they need to charge high interest because the poor/underserved are more likely to be late with payments/default...so if interest rates are capped they would be unlikely to give credit to people with low income?  If this means less credit to people with low income, then this could be a good thing. 

Yes, you're correct.  You can't loan to an underserved/high risk customer at 15%, so you won't lend them money.  In 2009, the Card Act was rolled out and that capped the fees on credit cards.  Without the fees, major banks could not make the numbers work, so they exited the market.  IN their place popped up payday lending which typically falls below the radar of the CFPB, OCC and other regulators.  People with poor credit were forced to go there, which was not better for them.  

Regarding your second comment, it's not a good thing.  Because you can't earn or re-establish credit without borrowing.  And without the ability to borrow you can't: buy a car, buy a house, rent a vehicle, pay for unforeseen repairs, etc.  It's actually a really bad thing at the micro level, but it also stunts economic growth in the economy at the macro level.  

I now realize my 2nd question was not well thought out.  CC's are the easiest way for young people to establish a credit history.

Yes, we've all had to pay our dues with high interest rates early in our lives, or when we slipped up on our bills.  All an interest rate is, is a measurement of the risk to loan someone money.  If you cap it at 15%, it will not only weed out underserved, but probably lower mid-prime as well, people who are at the 600-620 credit scores.  That's a lot of people.  It's why some of these economic proposals are so frustrating to me.  They are not helping the poor in this country at all; they are almost prejudicial.  

That's right, we all had to build up our credit.  It may not be fair, but young people pay higher insurance until they have established a safe clean diving history...it all makes sense.  

Spiritual_Chaos

His idea of national service sounds like something coming from a relic.

mrussel1

Ledbetterman10 said:

I just watched it too. He's definitely a good politician that will be around for a while. If I was a democrat and voted in their primary, he'd probably get my vote. Partially by process of elimination (Bernie and Biden are relics, and the rest I don't take seriously), but also partially because, as he always says as a main talking-point, he won't be Trump's age until like 2050 or something like that. I like the idea of a president around my age because he or she would (hopefully) be concerned with where people like myself are in 20-40 years. You think Trump or Biden give a shit about 20 years from now? 

I know trump doesn't care what happens after November 2020. Look at how he tries to bully the fed.  No regard for the economy except to hit it with testosterone. 

Smellyman

It's like pulling teeth to get a credit card in Hong Kong or Taiwan.

Handed out like candy in the US.

Spiritual_Chaos

Bernie:

https://youtu.be/0N9_4jx3ZvM

PJ_Soul

Calculate How Much Your Child Care Would Cost If Elizabeth Warren Were President

https://www.refinery29.com/en-us/2019/05/234103/elizabeth-warren-child-care-costs-calculator-plan?fbclid=IwAR12qitaiKDW0K4-y6GkUvqmuWPKBodLSV1RMzSIRTeDmM9p9dQt68Z1p3E

Photo: Christopher Goodney/Bloomberg/Getty Images.

The costs of child care in the United States have skyrocketed in recent years, making it nearly impossible for many families to have access to high-quality, affordable care. Research shows costs go up to an average of $9,500 per year and, in 28 states, one year of child care can cost more than one year of college tuition.

But what if Sen. Elizabeth Warren were to become president and able to implement her universal child care plan? What kind of relief would you receive? Well, you don't have to do the math in your head anymore. On Thursday, the Massachusetts Democrat unveiled a calculator that allows you to see how much your family could save under her universal child care and early education proposal. You can use it for yourself, right here.

Hi!

Remember  when Trump stood right behind Hillary at the debate like a real tough guy? Sometimes I fantasize that Warren is the nominee and he does that to her and Warren turns around a punches him in his fucking face.

josevolution

https://www.msnbc.com/all-in/watch/mcconnell-blocks-bills-to-combat-election-interference-60531781794
Turtle face McConnell is at it again he is doing nothing about Russian interference zero nada !

mrussel1

PJ_Soul said:

Calculate How Much Your Child Care Would Cost If Elizabeth Warren Were President

https://www.refinery29.com/en-us/2019/05/234103/elizabeth-warren-child-care-costs-calculator-plan?fbclid=IwAR12qitaiKDW0K4-y6GkUvqmuWPKBodLSV1RMzSIRTeDmM9p9dQt68Z1p3E

Photo: Christopher Goodney/Bloomberg/Getty Images.

The costs of child care in the United States have skyrocketed in recent years, making it nearly impossible for many families to have access to high-quality, affordable care. Research shows costs go up to an average of $9,500 per year and, in 28 states, one year of child care can cost more than one year of college tuition.

But what if Sen. Elizabeth Warren were to become president and able to implement her universal child care plan? What kind of relief would you receive? Well, you don't have to do the math in your head anymore. On Thursday, the Massachusetts Democrat unveiled a calculator that allows you to see how much your family could save under her universal child care and early education proposal. You can use it for yourself, right here.

I'd be good with this proposal.  This is better than Sanders proposals (and even some of hers) because it's actually means tested and therefore progressive in nature.  Bernie's proposals are not progressive, they are socialist.  

Spiritual_Chaos

mrussel1 said:

PJ_Soul said:

Calculate How Much Your Child Care Would Cost If Elizabeth Warren Were President

https://www.refinery29.com/en-us/2019/05/234103/elizabeth-warren-child-care-costs-calculator-plan?fbclid=IwAR12qitaiKDW0K4-y6GkUvqmuWPKBodLSV1RMzSIRTeDmM9p9dQt68Z1p3E

Photo: Christopher Goodney/Bloomberg/Getty Images.

The costs of child care in the United States have skyrocketed in recent years, making it nearly impossible for many families to have access to high-quality, affordable care. Research shows costs go up to an average of $9,500 per year and, in 28 states, one year of child care can cost more than one year of college tuition.

But what if Sen. Elizabeth Warren were to become president and able to implement her universal child care plan? What kind of relief would you receive? Well, you don't have to do the math in your head anymore. On Thursday, the Massachusetts Democrat unveiled a calculator that allows you to see how much your family could save under her universal child care and early education proposal. You can use it for yourself, right here.

I'd be good with this proposal.  This is better than Sanders proposals (and even some of hers) because it's actually means tested and therefore progressive in nature.  Bernie's proposals are not progressive, they are socialist.  

Socialistic ideas helped build the greatest* democracies in the world. 

(* not the US)

mrussel1

Spiritual_Chaos said:

mrussel1 said:

PJ_Soul said:

Calculate How Much Your Child Care Would Cost If Elizabeth Warren Were President

https://www.refinery29.com/en-us/2019/05/234103/elizabeth-warren-child-care-costs-calculator-plan?fbclid=IwAR12qitaiKDW0K4-y6GkUvqmuWPKBodLSV1RMzSIRTeDmM9p9dQt68Z1p3E

Photo: Christopher Goodney/Bloomberg/Getty Images.

The costs of child care in the United States have skyrocketed in recent years, making it nearly impossible for many families to have access to high-quality, affordable care. Research shows costs go up to an average of $9,500 per year and, in 28 states, one year of child care can cost more than one year of college tuition.

But what if Sen. Elizabeth Warren were to become president and able to implement her universal child care plan? What kind of relief would you receive? Well, you don't have to do the math in your head anymore. On Thursday, the Massachusetts Democrat unveiled a calculator that allows you to see how much your family could save under her universal child care and early education proposal. You can use it for yourself, right here.

I'd be good with this proposal.  This is better than Sanders proposals (and even some of hers) because it's actually means tested and therefore progressive in nature.  Bernie's proposals are not progressive, they are socialist.  

Socialistic ideas helped build the greatest* democracies in the world. 

(* not the US)

Capitalism built the greatest army that saved the world*

(*not Sweden)

Halifax2TheMax

mrussel1 said:

Spiritual_Chaos said:

mrussel1 said:

PJ_Soul said:

Calculate How Much Your Child Care Would Cost If Elizabeth Warren Were President

https://www.refinery29.com/en-us/2019/05/234103/elizabeth-warren-child-care-costs-calculator-plan?fbclid=IwAR12qitaiKDW0K4-y6GkUvqmuWPKBodLSV1RMzSIRTeDmM9p9dQt68Z1p3E

Photo: Christopher Goodney/Bloomberg/Getty Images.

The costs of child care in the United States have skyrocketed in recent years, making it nearly impossible for many families to have access to high-quality, affordable care. Research shows costs go up to an average of $9,500 per year and, in 28 states, one year of child care can cost more than one year of college tuition.

But what if Sen. Elizabeth Warren were to become president and able to implement her universal child care plan? What kind of relief would you receive? Well, you don't have to do the math in your head anymore. On Thursday, the Massachusetts Democrat unveiled a calculator that allows you to see how much your family could save under her universal child care and early education proposal. You can use it for yourself, right here.

I'd be good with this proposal.  This is better than Sanders proposals (and even some of hers) because it's actually means tested and therefore progressive in nature.  Bernie's proposals are not progressive, they are socialist.  

Socialistic ideas helped build the greatest* democracies in the world. 

(* not the US)

Capitalism built the greatest army that saved the world*

(*not Sweden)

I’m not sure it was capitalism as much as it was socialism with government take over and control of large swaths of public life and private industry, particularly during WW2.