<BLOCKQUOTE><font size="1" face="Verdana, Arial">quote:</font><HR>Originally posted by Gene DeMambro:
How many missed paychecks would it take to put you, and your family, out on the street?<HR></BLOCKQUOTE>
It is always advisable to have enough funds available to cover yourself for at least six months... a full year is better. Generally, easier to figure out than it is to do... Take your mortgage/rent + average monthly utility bills + average monthly secondary expenses + average monthly debt service-if any... multiply by 6 or 12 and there you have it... how much you need put back and accessible. A recession is coming and the only people I know who are actually ready for it are the ones who were labeled "paranoid" for doing a little planning "just in case" Y2K turned out to be more than merely a date. It was only another day in history, but those people who prepared then are prepared now for the coming economic rollercoaster... Hmmmmm...
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Where would you, and your family go, the first cold night of winter when the shelters turn you all away b/c they are overcrowded as it is?
Ever done any cold weather or "extreme" camping? It's good for more than just something to do... I know lots and lots of folks who hate hunting, but gee... that's how our ancestors
fed and clothed their families... Hmmmmm...
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Where is the same for the child who suffers from severe depression, or schizophrenia? We all talk about him in a hushed voice. What happens when he's 21 and the Department of Mental Health is not required to care for him anymore?
This is fundamentally because
any type of mental
anything is percieved to be some "baaaaaaaad"
illness and by definition of the very mental health industry itself, a person so afflicted is
never considered "cured"! Once labeled with the "mental illness" brush, a person is tarnished forever... (Under current guidelines) And merely seeking councilling is enough to cause people to be denied their Constitutional Rights among other things!
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I live in suburban Boston. Wouldn't live anywhere else in the world.
Someday you'll wake up and realize the error!

<- smiley captioned for the humor-impaired!
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But how many of us thank The Man upstairs (of your choice) for the bounty we have now: Wife/Husband, kids who stay out of trouble, good job, money in our pockets, etc. How many don't?
Quite frankly, I don't care if anyone else does or not... as for me, in the immortal words of George C. Patton: "Every G-d damned day!"
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How many who don't wonder why we have it so good would curse and wail, asking "why me" when things turn bad?
It's only natural to begin with... nothing wrong with that. It's only a problem when you can't "get over it" and move on. One thing I've never understood is why everyone gives credit to their deity of choice when something goes right, but take the blame themselves when something goes wrong... if a deity is responsible for things working out for the better, it only makes sense that the blame can also be placed there when things work out for the worse... just food for thought from the Devil's advocate...
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But if not for a few chance occurances that just happened to go one way or the other, it very well could be you or me attached to that begger's hand.
You call it chance, I call it hard work and making the right decisions... and no one works hard
all the time and no one makes
all the right decisions. Perhaps it's just what's right for you at that time under those circumstances, but chance?
I don't bet on games of chance...
It comes down to the fact that those who've learned to do for themselves
do for themselves, while those who expect someone (like the government) to "take care of it/them" end up disappointed in that care...