Go fuck yourselves.
I'm married, what else is new?
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Go fuck yourselves.
Would you settle for a statement that said people on welfare are in genreal poor manager of their finances. No one makes just 210 a week. At that level you get your groceries damn near free and the government furnishes you room and board. If you can't save up enough money to get into some job training program that will let you earn a living thn you are pretty fucking much incompetent especially given that a lot of those programs are free.
Where is the fraud? Do you have one confirmed case of fraud?
Nope. Which is why I said "the possibility and likelihood of rampant fraud." There is no way to track to see how the money was spent, so it's impossible to give an actual confirmed case.
But like I also said, it's also impossible to give one confirmed case that the money was spent as it should have been spent. Double edged sword there, this lack of tracking. Kinda cuts both ways.
Although I would say that anyone who claims that the fraud is not occurring is not living in reality.
In other words, there was no fraud that you have any knowledge of. You're shadow boxing.
The average American with a credit file is responsible for $16,635 in debt, excluding mortgages, according to Experian. (Source: U.S. News and World Report, "The End of Credit Card Consumerism," August 2008)
Want to talk about who the poorest managers of money are? let's get off this urban legend bullshit and look at some facts.
The average credit card indebted young adult household now spends nearly 24 percent of its income on debt payments, four percentage points more, on average, than young adults did in 1992. (Source: "Generation Broke: Growth of Debt Among Young Americans")
24% of their income on debt payments? Wow.
The average college graduate has nearly $20,000 in debt; average credit card debt has increased 47 percent between 1989 and 2004 for 25-to 34-year-olds and 11 percent for 18-to 24-year-olds. Nearly one in five 18-to 24-year-olds is in "debt hardship," up from 12 percent in 1989. (Source: Demos.org, "The Economic State of Young America," May 2008)
The worst money managers? Students probably get that title, looking at facts, not fairy tales.
When finances are tight, 59 percent of people would pay their credit card bills last. A majority -- 52 percent -- would pay the mortgage first and 38 percent say they would pay for utilities before paying other obligations.
So we can see that 59% of card holders would pay their mortgage first. How many welfare families to you think even have a mortgage?
Personal bankruptcies surged to more than 1 million filings in the United States in 2008, the most since a rewrite of bankruptcy laws took effect in 2005. (Source: American Bankruptcy Institute, January 2009)
How many welfare recipients do you think have to file for bankruptcy protection?
Credit card statistics, industry facts, debt statistics
If you want to know who the worst people managing money are, the people who live beyond their means but have have enough income to qualify for a credit card, take a look at this link. There is a giant swath of Americans who are piss poor managers of their income and have borrowed us into oblivion. And guess who are the least likely people to even have a credit card? What group comprises the lowest numbers of people in this group of epic and unprecedented irresponsibility? Oh yeah.....low income....welfare qualifiers.
You guys are so full of shit. After all this mess and the exposure of not only poor money management by the middle and upper classes, the extreme abuses of credit, and the record pace of debt growth among middle America, you have the nerve to claim that the people with the least money, the people with the least access to borrow money, the people with the least finances to manage, the people least responsible for this near apocolyptic economic crash....those are the worst managers of their finances?
Poppy cock. You guys are scape goating the easiest people. That's all. The numbers don't lie. The worst managers of their finances aren't welfare recipients, they are middle Americans with jobs and an education. The banks can tell you who they are.
No one is arguing that they are the worst money managers. .
Exactly right. Hell there are people on welfare these days that have credit cards.
No I'd say he is either about to engage in fraud or is about to dig himself an even deeper whole to climb out of than he already has.
Depnds almost entirely on the credit card doean't it?
Your first words in this thread:
"However, since people on welfare usually have the poorest track record of managing their financial situation"
Your first words in this thread:
"However, since people on welfare usually have the poorest track record of managing their financial situation"
Yer right. I had totally forgotten that I had said that they were usually the worst at handling their money. You have successfully proven that welfare recipients are not the worst. What you have utterly failed in doing is proving that they are average or above average at handling their finances. Don't know why you went off on the track of trying to prove someone is actually worse, since it doesn't help your premise that they are just as good at it as any other group. Wait a minute...I do know. It's because they are not.
So revised then: Welfare recipients are usually one of the worst groups at handling their financial situation.
Your first words in this thread:
"However, since people on welfare usually have the poorest track record of managing their financial situation"
Yer right. I had totally forgotten that I had said that they were usually the worst at handling their money. You have successfully proven that welfare recipients are not the worst. What you have utterly failed in doing is proving that they are average or above average at handling their finances. Don't know why you went off on the track of trying to prove someone is actually worse, since it doesn't help your premise that they are just as good at it as any other group. Wait a minute...I do know. It's because they are not.
So revised then: Welfare recipients are usually one of the worst groups at handling their financial situation.
So what you did was make an incorrect characterization of an entire group of people as the basis for your argument. FAIL.
Want to start over and try to make an honest argument?
Yer right. I had totally forgotten that I had said that they were usually the worst at handling their money. You have successfully proven that welfare recipients are not the worst. What you have utterly failed in doing is proving that they are average or above average at handling their finances. Don't know why you went off on the track of trying to prove someone is actually worse, since it doesn't help your premise that they are just as good at it as any other group. Wait a minute...I do know. It's because they are not.
So revised then: Welfare recipients are usually one of the worst groups at handling their financial situation.
So what you did was make an incorrect characterization of an entire group of people as the basis for your argument. FAIL.
Want to start over and try to make an honest argument?
I guess if you want to call going from "the worst" to "one of the worst" an incorrect characterization and thus a victory fer you, go ahead.
Kinda like saying that they're not the biggest turds in the punchbowl, only the second or third biggest. Whatever floats your boat, though it does absolutely zero to disprove that those on welfare have extremely poor track records of managing their finances. Which was the whole point of the argument....but ya knew that already, didn't ya?