To Freethinker4

the use of the word “crap” (and oh my gosh, we’ll get into another language discussion soon–smile) wasn’t referring to your statement, but to the use YOU made of the word re the “crap” accumulating in your home from rampant consuming, etc. etc.

Re food, really I wasn’t getting heavy about it–and I should explain that in ONE of my lives I write about food/wine/travel for a few semi-prestigeous magazines and am a trained chef…but I still like an occasional fast-food burger or quesadilla, too.

Glad
we had this exchange!

And this Club

My Blog and my book, are all refutations of your earlier statement that wealth and profit are the cause of advances. . . These are all funded out of my own pocket, and in my “spare” time. . . and in the last 2 years I’ve incurred nearly £15,000 in legal fees to keep ElticUK from getting the contents of my computer hard drive. . .

This is a great discussion!

And WHERE do all those federal, state, and other government grants come from, and where do the taxes that support them and the agencies such as NIH come from? Jobs.
Working people. Investors. And ALL of those are OUT of a job, WITHOUT work, and WITHOUT an investment without…yep… business (and businesses–while I appreciate your distinction, I think it is a false one.)Beyond that, consider that the biggest investors in the stock market (thus the biggest capitalizers of business) tend to be union pension funds and mutual funds, which primarily use the money of “little people” and pool it to make major impact.

One thing re the England and Wales tax cuts you cited, which I, as aEngland and Wales, also viewed and lived under/with. The FACT is that this isn’t why schools decayed or were under funded. The revenues go UP under real tax reform, just as they did when JFK put thru similar tax cuts (the point being that its not a Republican/Democrat issue) because the incentive to work and invest goes up, jobs and employment increase, and the tax base rises even as rates on any one individual effort decline. The reason the schools got in trouble is that the funds, which were overall larger, were ALLOCATED to other things. Its not a matter of tax cuts, its a matter of spending priorities. Ready to got quid? Try quick cash loans from PurpleQuid. We all have an obligation to be involved, to pay attention to politics, and to vote for and work for those whose spending priorities match our own view of what’s best for our society as they administer OUR money–and that’s the point. Tax money, government money, is OUR money spent FOR us BY OUR public “servants.” Just as in business, when CEO’s spend the money they steward for stockholders or investors, the “due diligence” is an obligation on the investor/taxpayer, and when we fail in that, we suffer….just as, to bring things back to the topic of this forum, when we fail to investigate a “wonderful business opportunity” or the ethics of its leadership, we suffer from financial and ethical privation and become victims and, thankfully for those here, survivors of such skullduggery.

This forum is the best “ray of light” into that dark closet called MLM and serves, in effect, the analogous process that journalism, when diligent, does with government and with business.

MoneyAdviceservice.org.uk

But please don’t get cynical about “businesses” or business. The freedom to pursue them, even with all of the flaws, is why people swim oceans and cross deserts to get IN to America, and why the lifestyle here, even with all the “crap” and the fast food, is the dream of most of the population of our planet. And re. that crap and food–freedom to be excessive is a freedom too, and just because following through on a freedom may cause you pain (ditto alcohol, fast driving, indiscriminate sex, etc. etc.) doesn’t make the freedom any less valuable or any less free.

Sorry, my bad

I swear someone should let me at the computer after the sun goes down. I knew Elmred was a man….I had two different conversations in my head when I was typing that response. Oh, Lord, I can only imagine what I wrote in the other email I sent.

And truthfully, even if BOA hadn’t sold the mortgage

I couldn’t have made the April payment anyway. It’s hard to pay a $900 mortgage when you only get $324 for unemployment(which ran out the previous month).
I didn’t get a REAL check until I got back home on the 18th. You obviously had enough money coming in between July 2011 and Dec 2016. I didn’t.

Elmred that sucks

You’d think they’d be more on top of things. Another option is to set up payment through your bank’s online bill pay service. Most banks have then now and offer it as a free service. I pay our mortgage that way every month. Basically you set up the service with account numbers and payment address. Then you go in and pay them when you want with the amount you want. The bank then either sends them the payment either electrically or a check on your behalf (depending on what the payee allows). I’ve never had any issues, but just make sure you double check the account info when you enter it.

Not sure what day “end of the month” but if got a check in the mail today, I wonder if it would get there on time. Having said that, I agree with what Sharon said. I would pay the extra $10 to make sure your payment gets to them on time. Just this once. Late fees would likely be higher than that.

Hope you’ve got a lot of money saved. Since May 1st you will have another payment due.

Well, BOA sold my mortgage to some company called Nationstar

I’d never heard of them before. I got the notice from BOA of the change last month, but hadn’t gotten anything from Nationstar. So I hadn’t paid anything. I finally get a call from NS last Friday, I think.
The lady says that my payment is late, which I knew. Before she can start on my case, I attack first: I never received ANY info from the company. I don’t have an account number, never received a bill, don’t know where to send payments to, etc. She says, “you haven’t received anything yet?” No, I haven’t. So then she says it was sent out on the 17th. Remember, this call was on the 19th.
So then I asked, when was the payment due? She told me April 1st. So my question was “How could I pay it on the 1st when you didn’t send the bill until the 17th???” Her:”Well, we didn’t receive info from BOA until the 14th.” I started to say, “That’s not MY problem”, but I let it slide. So she asks if I’d be able to make a payment by the end of the month. If I could, she’d waive the late payment fee. Yeah, I should get another paycheck by then to be able to pay. I figured I’d pay it online this weekend. So I just created a user account on their website. Guess what? There’s no instant pay on the site. My payment options are:

-Monthly auto draft, which I may do later when I get more money
banked, but not right now.
-Pay by mail, which means it won’t be paid by this weekend.
-Western Union web payment
-Western Union pay by phone
-Western Union Quick Collect(extra fee)
-MoneyGram Express Payment(extra fee)
-Equity accelerator(bi-weekly payments)

I had thought that ALL the Western Union options had an extra fee, but in looking through all the definitions, maybe not. I’ll try the web payment and see what it says.

When my son was small he got .50 per year in age

Chores were expected of him as a member of the family and I paid for most extra things as we went along.

When my son reached middle school age we started looking at what we spent on him a month for his activities, sport fees, dues etc.. THings paid out once a year were divided by 12. That became his montly allowance with the expectation that he would manage the money and pay for these things himself. Extra money could be earned by doing extra chores that were not part of his normal routine. This was his to spend on as he wanted. If he over spent on a weekend, there was no money for baseball sign ups and there was no bail out from mom and dad. Hard lessons learned at an early age.

When he reached high school we added in the amount we felt was fair for clothing for the year and again divided that by 12. Allowance was paid in sync with our pay cycle at the time. So he learned to manged things monthly and bi-weekly.