Recent content by Spock (rhp)

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    If someone forges my signature even with approval, is it still invalid?

    you're probably going to lose the case. you did give permission and you're now bound by it, especially if the person complaining did not know that your signature was added by someone else. it isn't forgery, btw, if they had permission.
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    Weren't the Obamas clever to submit a fake birth announcement in the newspaper?

    no such motive would be required. any ordinary middle class folk might do the same in an effort to disguise the circumstances of their teen age daughter's giving birth. Imagine -- it's 1961. sure Hawaii is a tolerant, multi-cultural place, but really!!?? the father isn't a local but from...
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    Why do Latinos hang out on corners for daily work while Bla cks hang out at

    illegal immigrants grew up in countries without welfare offices. They're simply doing what they've always done -- look for work from business people and the well to do by hanging on street corners and at the suppliers of materials.
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    the right wing is trying to make a big deal over Obama's safe schools czar

    i suppose if she was 15 at the time, it's [grudgingly] allowable. adults, however, should avoid sexing with children -- the disparity in maturity shows moral turpitude.
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    What should I wear to a boot camp graduation in San Diego?

    same as you'd wear to his high school graduation -- adjusting for the likely weather, of course.
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    Does Obama plan on rounding up the Uninsured and placing them in Debtor's Camps?

    Sen. Orrin Hatch [R- Utah] pointed out last week that the proposed individual tax or fine is likely unConstitutional. If it is a tax, it runs afoul of Article 1, Section 9 which prohibits the Federal government from laying any direct taxes which are not apportioned among the various states...
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    Is there any way to refinance and not pay ridiculous closing costs. I get the prep fees

    you need to get a good faith estimate of the exact costs instead of guessing. btw, a new title policy is a must. so is termite inspection [in most states]. lawyer costs? <== for what? prep fees? <== whose profit are these and what do they bring that is essential?
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    what civilization was the first to use law to govern themselves?

    we have no idea. humanity had civilizations before we had writing, so there aren't any records from back then.
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    will repubs stop calling healthcare reform socialist since health insurance companies...

    you apparently didn't read the private analyses of the bills. the Lewin Group -- America's largest and most experienced health care analysis outfit -- estimated the losses of the industry due to the house bills at 88m insured out of 150m served -- last I checked that's 59% loss of business...
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    Does "living" under address mean "conducting business" there?

    both states will tax you. Businesses in Florida are taxable no matter what the form of organization. If you live here in Florida and do business from here -- state business taxes and sales tax to FL consumers both apply, even if the business is done over the Internet and/or to foreign...
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    How am i a product of my environment?

    have you ever heard of Process Communication Method? how about Neuro-Linguistic Programming? Facial Action Coding? no?? in part, you're a product of your environment -- your environment doesn't include these psych methods, so you didn't know they exist, and you can't start learning them, so...
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    what am I in for if I become a financial advisor?

    it is the equivalent of commission sales. if W&R didn't tell you that up front -- run. and it will be more than 40 hours a week. after you get your sales pitch down, you'll start by making phone calls to people you don't know. 40 or 50 of them a day. That's to find one who says he or she...
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    Why are the banks punishing people by hiking up credit card interest rates?

    annualized default rates on credit cards are high and rising. for those who carry balances near their limits, I've been told that default rates are now over 10% per year. so the banks need to cut exposure to high balances -- this is one way of doing it. [also, credit reforms required them to...
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    Is it possible to have free health care in the U.S?

    "free" does not exist in Universe. Everything has an energy cost and the cost must be paid by someone/something. What you are really talking about is government paid health care. Is it possible? yes. Is it desirable? highly questionable, if not highly doubtful. *** Among the many...
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