What abt Mt Best fridge?

[Trygve Lillefosse]

Florida ain't much better. It is the middle of hurricane season right now
and I am "going naked". Everything has a value, and 12 months of
high-deductible homeowner's insurance for my house is NOT worth $6,500. My
house was insured with State Farm for over 15 years and never a sniff of a
claim. Screw them! At the same time, I shopped my auto insurance (that had
been with State Farm for 35 years) and saved $500! That is what loyalty buys
you in this profit-motivated world, a royal screwing!

Those figures sounds crazy.

I only need to insure my belongings(pay aprox USD 200/year), but after
a quick search, I assume that house coverage with fire/break in/nature
dammage etc. would cost somewhere between USD 700-1400 (included
belongings)

I have a MB E2000, witch costs aprox USD 600/year with 50% bonus*.

You get the bonus deducted, so my price is realy twice the ammount.
But everybody gets 20% as staring bonus unless they are considdered to
be a liability.
If you crash 2-3 times within 5 years or have a bad accident due to
wrecklessness, you may get negative bonus. (you have to pay extra)

 

[Trygve Lillefosse]

Our taxes are not a lot different then yours, our top Federal tax rate
is 29%, I believe yours is 35%.
My tax bracket is 15.5% ( $37,179 or under), but after deductions I paid
less than $2000.00.

I belive i paid about 23% last year.***

If you make $65.000 you have to pay 35% of your last dollar*

If you make more than $110.000 you have to pay 48%(!) of your last
dollar.*

*LAST dollar, not the whole sum. Your tax rate will always be lower
when you look at the whole year as one.

***Including state, comunity(city) and health
not including utiliies like garbage, water, sewer or property tax(only
in cities) - I pay $200, four times a year combined.

 

[Trygve Lillefosse]

Fascinating! I was under the impression that yours was far higher. Also,
I =think= our highest is 28%. Our govt, in its struggle to join world
socialism, has decreed that someone like me who made $37,000 last year gets
a =refund= of $5331 that I never even paid, simply because I have 4 kids....
That is utterly insane. But what am I to do; not file?

In the socialist state of Norway, you get a check(it realy pop into
your account) for $160 per month per child under 18 (not taxed). If
you live special places, or are a single mom/dad - you get more. Also,
I think you get more for the first one.

You also get some benefits when the child is 2 and 3 years old, unless
it's in kindergarten.

You also get your taxable income lowered.

All healthcare (including nessesary medicine*) for children under the
age of 7 is totaly free.

*You have to pay for some medicines, when they are not nessesary or if
they just shortens the duration slightly. (Like antibiotics for a
cold)

 

[Trygve Lillefosse]

It wouldn't matter, in some states all you have to do is claim you "felt
threatened" and fire away ;~)
A couple of years ago a lost tourist in Florida knocked on a door to ask
for directions and they
shot him through the door. Sick.

Crazy...

Guess thats the cost of living in constant fear, since those who have
litle is stomped on all the time, and resolves to crime, witch in turn
makes it a more dangerous place to be.

Add it up with a weapons law that makes it possible to buy an assault
weapon the minute you want it - no training required.

 

[[email protected]]

That is what loyalty buys
you in this profit-motivated world, a royal screwing!

agree!

 

[[email protected]]

These work clothes are made for the uniform rental industry where very long life and
toughness are required. My original sets of shirts and pants, now 12+ years old,
still look fine but are soft as silk and oh-so-comfortable.

Are they all cotton? All polyester? Or a blend?

Stage questions I know.... but could you hand wash
them, hang them on a line outside an RV, and would they
dry fast.... or take DAYS drying?

And...what company can I mail order some from?

 

[Trygve Lillefosse]

Never claimed that, just stated a fact that the above was the case in
some states. Canada does have tight gun control and
a homicide rate of 1.85 homicides per 100,000 population. The last time
I checked the USA's rate was 5.64 per 100,000.

Noway have had the following rates(per 100 000):
* 1969-1972: 0,66
* 1979-1982: 1,11
* 1989-1992: 1,28
* 1999-2002: 0,91

97% of the cases were solved.
in almost 80% of the cases, the killer knew his wictim.
almost 50% is done under the influence of alcohol or drugs.
No death penalty

To own a gun in norway, you have to be a licensed hunter, member of a
gun club or millitary(home defence - a bit like minutemen but trained
etc. by the millitary)
Shotguns does not need a lisence, just registration(not even that
before 1990).
You are obliged to remove a vital part from the gun when not in use
and to store amunition in a seperate location(but they may both be in
your house) Gun and ammo has to be locked in a metal rack or closet(at
least the millitary ones.).

More than one in four persons(young and old) have a gun registered in
their name, and keep them at their home.

The Norwegian police does not wear firearms. They have them with them
in their cars, and need permission to use them unless they are in
danger. They rarely need to use guns, as the criminals know that they
dont wear any - so in general the criminals do not carry guns either.

 

[Trygve Lillefosse]

I live in a residential area on a large lot (5500m/sq); new house next
week is just bigger and more land. I would never shoot someone outside
unless they were armed (multiple people want me dead) and anyone in my house
at the wrong time is h-i-s-t-o-r-y.
I am very familiar with the law, and would =never= do anything I could
get in trouble for.

Glad to hear.

I hope that you bear in mind that many children kill themself,
siblings, friends or parents while playing with guns.
Now imagine beeing that kid(if it survives) or the parent who owns the
gun. Keep ammo and guns seperate, and locked down. It is also
important to remove a vital part, normaly the end piece(?). That way
you have several barriers.

Hopefully you know and follow this. Now the only problem is to educate
those who sleep with a loaded gun under the pillow etc.

 

[Trygve Lillefosse]

Yes. Quite nice looking and VERY comfortable.

Two reasons. A minor one is that at 6'7"/275 lbs, I can seldom find jeans that fit
off the shelf. The more important reason is that jeans just don't last like these

Tought I was big at 6'4" (194 cm), and 242 lbs.

work pants. Carharts probably would but I don't want to spend that much money on 'em
plus they're a little rough for every day wear. I wouldn't want to, say, go see the
mayor wearing Carharts.

Some of them seems quite stylish, if you remove those "tool hoops" for
hammers etc. A bit like some Marlboro jeans I'we got.

When I was in the navy/coastguard, we had some uniforms that were just
called "US". They were realy comfortable and soft after a litle use.
SInce they are called US, I guess that its the same as the US army
uses.

 

[no spam]

LOL, It's hardly a "a legal system crisis" when it cost on average
11,500.00 a year for health insurance for a family of four.

And what percentage of that is paid due to the fact that our legal system
allows people to sue for millions of dollars at the drop of a hat? Doctors
are FLEEING Mississippi because of law suits and the huge pay outs juries
are awarding. Now is that a health care crisis or a legal system crisis?

Women in some areas are having problems finding an obgyn because doctors are
getting out of the practice because of law suits. In some places the
problem nearing 'dangerous' levels where there are not enough docs to treat
the number of women. Now is that a health care crisis or a legal system
crisis?

Some hospitals are shutting down ER's and burn units because of the cost of
law suits. Is that a health care crisis or a legal system crisis?

Laugh all you want but the fact is if it weren't for the screwed up legal
system there would probably not be a 'health care crisis'.

 

[no spam]

YUP!!!! I tell my children to make careers for themselves where they
MUST be physically present in the room to get paid. Otherwise, your job
can be sent overseas in a heartbeat!

After seeing how quickly a worker would leave for $0.05 more per hour I
don't blame companies for seeing workers as throw away products.

BTW, your job logic doesn't hold anymore. Today there'll be an illegal
willing to do the job for $5/hr less. Ask almost anyone in the building
trades.

 

[no spam]

But...... I was denied such coverage on a permanent

Not as heavily as it WILL be, soon.....

I don't see how it can be more heavily regulated. The next step is
governmental take over.

 

[[email protected]]

And what percentage of that is paid due to the fact that our legal system
allows people to sue for millions of dollars at the drop of a hat? Doctors
are FLEEING Mississippi because of law suits and the huge pay outs juries
are awarding. Now is that a health care crisis or a legal system crisis?

I'm not disagreeing with you but do you have a cite or
link for the above?

 

[[email protected]]

Laugh all you want but the fact is if it weren't for the screwed up legal
system there would probably not be a 'health care crisis'.

some hospitals leave dying people laying on emergency
room floors

http://www.msnbc.msn.com/id/19207050/

 

[[email protected]]

After seeing how quickly a worker would leave for $0.05 more per hour I
don't blame companies for seeing workers as throw away products.

have you ever been thrown away tho?

 

[no spam]

Our taxes are not a lot different then yours, our top Federal tax rate

We were talking about Federal income tax rates, mines @ 15.5%. Every
province has it's own sales tax as do the Feds @ 6%
with exemptions dependent on income. In my income range at about $37,000
due to deductions, child tax credits etc. we get

I can't remember my adjusted gross income but as I posted the last time I
checked TurboTax said I was paying 2% of my gross income in federal income
tax.

virtually all of our Federal taxes refunded. The big saving is health
care, I'm not out $11,500.00 every year to insure my family
as I would be if I lived in the USA.

Neither am I. As of 13 AUG 07 I had paid $1040 to cover my family,
including dental.

So all in all, I get back all of my Federal/ Provincial taxes, and pay

Hum. . .down here it would be said that you were not paying your fair share
of the tax burden.

$1800.00 a year in property taxes, 75 bucks a year for my car's
registration/plates and whatever tax I pay when I buy gas.

Do you have any other federal tax? Here we have FICA (social security),
medicare and plus the fact that an employer must pay the same amount into
FICA as the employee as well as paying into other government required
'plans'. IOW, wages are 'taxed' even before they are paid to the workers.
The rule of thumb was that each worker cost you about 150-175% of what you
paid them BEFORE taxes. That's why its better to pay two workers time and a
half for over time than hire a third worker.

 

[no spam]

I don't have enough data yet to say what my total tax is (I

I tried doing that with Quicken as well...... just
takes too much time to make splits for sales tax

Try it the way the wife does. When you split it just put in the total sales
tax at the end then have a sales tax correction category. One will be
negative, the other positive and everything balances out in the end.

I don't know how you do it but the wife takes each receipt and breaks it
down into categories (food, junk food, auto service, etc, etc.). Then she
adds each category and adds the sales tax on to it and enters that. Then
does the thing above.

She won't let me touch it since the last time I transposed two numbers in an
entry and it took her about an hour to discover why our Quicken balance
didn't match up with the bank balance.

 

[no spam]

I used to be the kind of person that felt "if I work

yeah that what happened to me....and why I'm
determined to "drop out" as much as possible and get
work in a filed that can not be exported easily

Become a plumber. Of course you might lose your job to an illegal Peruvian
immigrant.

 

[no spam]

Don't blame the insurance people when its the trial lawyers who are the

so how do we fix it?

I'm almost to the point of saying we can't only be ready to pick up the
pieces when it falls. .

 

[no spam]

Try to buy hurricane insurance in Louisiana right now.....

Florida ain't much better. It is the middle of hurricane season right
now and I am "going naked". Everything has a value, and 12 months of
high-deductible homeowner's insurance for my house is NOT worth $6,500.
My house was insured with State Farm for over 15 years and never a sniff
of a claim. Screw them! At the same time, I shopped my auto insurance
(that had been with State Farm for 35 years) and saved $500! That is what
loyalty buys you in this profit-motivated world, a royal screwing!

Again you can think your elected officials and the courts. Remember a few
years ago when the insurance companies in FL were forced to basically over
pay claims after a hurricane? (Andrew?). I can't blame the insurance
companies. Would you expect them to insure someone's NASCAR? I live in
southern coastal GA so hurricanes are a worry for me as well that's why when
I build my new home it is going to be hurricane and fire proof (concrete
dome) and have no insurance other then anti-lawyer (liability) insurance.