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	<title>Comments on: A Conversation With a Disgruntled Reader</title>
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	<description>A personal finance blog dedicated to discussing such topics as budgeting, asset allocation, 401K, IRA, cash flow, insurance, financial planning, portfolio management, and other areas in personal finance.</description>
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		<title>By: Mike H</title>
		<link>http://allfinancialmatters.com/2008/08/20/a-conversation-with-a-disgruntled-reader/comment-page-2/#comment-423572</link>
		<dc:creator>Mike H</dc:creator>
		<pubDate>Tue, 02 Jun 2009 12:29:07 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2770#comment-423572</guid>
		<description>Well, I&#039;m late to the party but will offer my $0.02. 
 
&quot;Opinions are like a**holes, everyone&#039;s got one and often they stink!&quot; 
 
-Mike H </description>
		<content:encoded><![CDATA[<p>Well, I&#039;m late to the party but will offer my $0.02. </p>
<p>&quot;Opinions are like a**holes, everyone&#039;s got one and often they stink!&quot; </p>
<p>-Mike H</p>
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		<title>By: Christina</title>
		<link>http://allfinancialmatters.com/2008/08/20/a-conversation-with-a-disgruntled-reader/comment-page-2/#comment-352730</link>
		<dc:creator>Christina</dc:creator>
		<pubDate>Thu, 28 Aug 2008 17:07:41 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2770#comment-352730</guid>
		<description>@WT:

Not sure why you assume I am a bleeding heart liberal or that I don&#039;t pay as much, if not more, than you into the government coffers.  I was merely stating that I don&#039;t have a preference towards political PF blogs - particularly when many of the commenters feel the need to throw around political labels (socialist, libertarian, liberal, communist, republican, democrat, etc) rather than discuss the matter based on its merits.  As for political parties - it really doesn&#039;t matter which one you support, your taxes MAY be lower with one than another, but both parties seem to be great at wasting all of our hard earned dollars -- not matter what it is spent on.  And that&#039;s the real problem!</description>
		<content:encoded><![CDATA[<p>@WT:</p>
<p>Not sure why you assume I am a bleeding heart liberal or that I don&#8217;t pay as much, if not more, than you into the government coffers.  I was merely stating that I don&#8217;t have a preference towards political PF blogs &#8211; particularly when many of the commenters feel the need to throw around political labels (socialist, libertarian, liberal, communist, republican, democrat, etc) rather than discuss the matter based on its merits.  As for political parties &#8211; it really doesn&#8217;t matter which one you support, your taxes MAY be lower with one than another, but both parties seem to be great at wasting all of our hard earned dollars &#8212; not matter what it is spent on.  And that&#8217;s the real problem!</p>
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		<title>By: JB</title>
		<link>http://allfinancialmatters.com/2008/08/20/a-conversation-with-a-disgruntled-reader/comment-page-2/#comment-351610</link>
		<dc:creator>JB</dc:creator>
		<pubDate>Tue, 26 Aug 2008 00:19:52 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2770#comment-351610</guid>
		<description>I believe it was Dr. Seuss that said &quot;Be who you are and say what you feel, because those who mind don&#039;t matter and those who matter don&#039;t mind.&quot; 

I don&#039;t think it is of any consquence of yours whether people are mature and intelligent enough to understand an opposing viewpoint.  I for one appreciate my ideas being challenged.</description>
		<content:encoded><![CDATA[<p>I believe it was Dr. Seuss that said &#8220;Be who you are and say what you feel, because those who mind don&#8217;t matter and those who matter don&#8217;t mind.&#8221; </p>
<p>I don&#8217;t think it is of any consquence of yours whether people are mature and intelligent enough to understand an opposing viewpoint.  I for one appreciate my ideas being challenged.</p>
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		<title>By: Stas</title>
		<link>http://allfinancialmatters.com/2008/08/20/a-conversation-with-a-disgruntled-reader/comment-page-2/#comment-351336</link>
		<dc:creator>Stas</dc:creator>
		<pubDate>Mon, 25 Aug 2008 08:29:32 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2770#comment-351336</guid>
		<description>I think you should not question yourself every time you blog so that no one possibly could be offended.
The value of the personal blogs is in that there is a real human (or more than one :) behind each of them. And where one would be entitled to express his or her opinion openly if not on the one&#039;s personal blog? 
Real humans will inevitably disagree on some things and feel strongly about it. Some would just agree to disagree, some would try to have a discussion and try to convince the other, and some would yell &quot;how could you say that!&quot; and storm out. 
I understand the blog may be also the source of income for you, so losing readers is not a good thing. But I don&#039;t think you should compromise your opinions if there&#039;s somebody too touchy to discuss some subjects and tolerate different opinions. There are enough of those who aren&#039;t. Keep up the good work!</description>
		<content:encoded><![CDATA[<p>I think you should not question yourself every time you blog so that no one possibly could be offended.<br />
The value of the personal blogs is in that there is a real human (or more than one <img src='http://allfinancialmatters.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />  behind each of them. And where one would be entitled to express his or her opinion openly if not on the one&#8217;s personal blog?<br />
Real humans will inevitably disagree on some things and feel strongly about it. Some would just agree to disagree, some would try to have a discussion and try to convince the other, and some would yell &#8220;how could you say that!&#8221; and storm out.<br />
I understand the blog may be also the source of income for you, so losing readers is not a good thing. But I don&#8217;t think you should compromise your opinions if there&#8217;s somebody too touchy to discuss some subjects and tolerate different opinions. There are enough of those who aren&#8217;t. Keep up the good work!</p>
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		<title>By: Steph</title>
		<link>http://allfinancialmatters.com/2008/08/20/a-conversation-with-a-disgruntled-reader/comment-page-2/#comment-350165</link>
		<dc:creator>Steph</dc:creator>
		<pubDate>Fri, 22 Aug 2008 21:27:52 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2770#comment-350165</guid>
		<description>For a multitude of reasons, people generally notice abusers of the system.  The 98% or so of people who follow each and every one of the rules to the letter slip below people&#039;s notice, and it thus skews perceptions.  

The problem, of course, is that this causes an overreaction.  Look, for example, at the bankruptcy reform bill that was passed.  It implemented a requirement for consumer credit counseling before declaring bankruptcy.  This can be obtained from your local friendly bankruptcy lawyer, as long as you are prepared to pay the fee for it.  Of course, it doesn&#039;t actually include any sort of education, but you&#039;ve checked off the box.  Luckily, after you declare bankruptcy, you won&#039;t be allowed to declare again for several years.  This is a good thing - at least for the credit card and payday loan companies, as they now know who they can target.  These consumers now have zero protection, which makes them cash cows.  Can anyone really argue that the new reform laws have bettered society in any way?

I, as a citizen of the United States, have the right to make bad choices.  I do not, however, have the right to dictate where my tax dollars go.  Currently, they go to an awful lot of programs I don&#039;t support (and actively oppose).  My remedy is to work to get politicians I support elected, and still, it&#039;s not a perfect solution.  But I mitigate this by being an extremely high information voter and an activist.  Moreover, taxes aren&#039;t everything.  Try an experiment, compare the amount you paid to renew your license to the amount you paid 10 years ago + the rate of inflation.  Or the amount you paid in college fees.  Or the amount you paid for your last speeding ticket.  

On this specific incident, I don&#039;t necessarily believe eduction is a miracle cure.  Try spending $20 to get the most calorie dense foods possible.  Now try that going online to your local grocery store.  Now try it at your local convenience store.  Processed foods pack a lot of calories for little money.  Nutritionally, they&#039;re horrible, but when you&#039;re on the line, they&#039;re sometimes your only option.  So maybe we can cut subsidies that artificially deflate those costs.  Now people have to buy &quot;real food&quot; because processed food costs have shot up.  Except eliminating those subsidies drove most small farmers out of business, meaning we&#039;re even more reliant on large factory farms.  There&#039;s the environmental impact to be worried about, but moreso, now all our foods are bred for heartiness during transportation, genetically modified, made pest resistant...and stripped of nutritional value.  So what happens when the 3lb bag of potatoes has the same nutritional value as the $.99 can of Pringles?  Do we prohibit people on food stamps from buying potatoes?

Yes, I am oversimplifying this process.  Government programs and regulations are massively complicated beasts.  But truly, do we need more of them to fix what ends up being a very small, albeit more noticeable, problem?</description>
		<content:encoded><![CDATA[<p>For a multitude of reasons, people generally notice abusers of the system.  The 98% or so of people who follow each and every one of the rules to the letter slip below people&#8217;s notice, and it thus skews perceptions.  </p>
<p>The problem, of course, is that this causes an overreaction.  Look, for example, at the bankruptcy reform bill that was passed.  It implemented a requirement for consumer credit counseling before declaring bankruptcy.  This can be obtained from your local friendly bankruptcy lawyer, as long as you are prepared to pay the fee for it.  Of course, it doesn&#8217;t actually include any sort of education, but you&#8217;ve checked off the box.  Luckily, after you declare bankruptcy, you won&#8217;t be allowed to declare again for several years.  This is a good thing &#8211; at least for the credit card and payday loan companies, as they now know who they can target.  These consumers now have zero protection, which makes them cash cows.  Can anyone really argue that the new reform laws have bettered society in any way?</p>
<p>I, as a citizen of the United States, have the right to make bad choices.  I do not, however, have the right to dictate where my tax dollars go.  Currently, they go to an awful lot of programs I don&#8217;t support (and actively oppose).  My remedy is to work to get politicians I support elected, and still, it&#8217;s not a perfect solution.  But I mitigate this by being an extremely high information voter and an activist.  Moreover, taxes aren&#8217;t everything.  Try an experiment, compare the amount you paid to renew your license to the amount you paid 10 years ago + the rate of inflation.  Or the amount you paid in college fees.  Or the amount you paid for your last speeding ticket.  </p>
<p>On this specific incident, I don&#8217;t necessarily believe eduction is a miracle cure.  Try spending $20 to get the most calorie dense foods possible.  Now try that going online to your local grocery store.  Now try it at your local convenience store.  Processed foods pack a lot of calories for little money.  Nutritionally, they&#8217;re horrible, but when you&#8217;re on the line, they&#8217;re sometimes your only option.  So maybe we can cut subsidies that artificially deflate those costs.  Now people have to buy &#8220;real food&#8221; because processed food costs have shot up.  Except eliminating those subsidies drove most small farmers out of business, meaning we&#8217;re even more reliant on large factory farms.  There&#8217;s the environmental impact to be worried about, but moreso, now all our foods are bred for heartiness during transportation, genetically modified, made pest resistant&#8230;and stripped of nutritional value.  So what happens when the 3lb bag of potatoes has the same nutritional value as the $.99 can of Pringles?  Do we prohibit people on food stamps from buying potatoes?</p>
<p>Yes, I am oversimplifying this process.  Government programs and regulations are massively complicated beasts.  But truly, do we need more of them to fix what ends up being a very small, albeit more noticeable, problem?</p>
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		<title>By: Kevin</title>
		<link>http://allfinancialmatters.com/2008/08/20/a-conversation-with-a-disgruntled-reader/comment-page-2/#comment-350110</link>
		<dc:creator>Kevin</dc:creator>
		<pubDate>Fri, 22 Aug 2008 19:02:56 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2770#comment-350110</guid>
		<description>Interesting discussion - at first I tend to agree with JLP, but the more I think about it the less I care what she spend the food stamps on.  After all, while a piece of it might be taxes I paid, if we&#039;re really looking at government waste there are much, much bigger fish to fry...which I won&#039;t get into for fear of being political.

I do agree with a previous comment that all food stamp recipients should pass a drug test.  I don&#039;t mind helping out those in need, but not criminals.

As far as tax rebates vs. food stamps goes, it is apples and oranges.  I&#039;ll even concede it is a partial redistribution - especially in the case of EIC, but for most cases the person getting the rebate actually paid in some tax.  Same thing for the mortgage interest deduction.  The person taking the deduction actually had to pay for the house and as a matter of policy the government decided to give a tax break for that.  The person receiving food stamps doesn&#039;t have to invest anything in the economy to get them.</description>
		<content:encoded><![CDATA[<p>Interesting discussion &#8211; at first I tend to agree with JLP, but the more I think about it the less I care what she spend the food stamps on.  After all, while a piece of it might be taxes I paid, if we&#8217;re really looking at government waste there are much, much bigger fish to fry&#8230;which I won&#8217;t get into for fear of being political.</p>
<p>I do agree with a previous comment that all food stamp recipients should pass a drug test.  I don&#8217;t mind helping out those in need, but not criminals.</p>
<p>As far as tax rebates vs. food stamps goes, it is apples and oranges.  I&#8217;ll even concede it is a partial redistribution &#8211; especially in the case of EIC, but for most cases the person getting the rebate actually paid in some tax.  Same thing for the mortgage interest deduction.  The person taking the deduction actually had to pay for the house and as a matter of policy the government decided to give a tax break for that.  The person receiving food stamps doesn&#8217;t have to invest anything in the economy to get them.</p>
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		<title>By: Stacey</title>
		<link>http://allfinancialmatters.com/2008/08/20/a-conversation-with-a-disgruntled-reader/comment-page-2/#comment-350075</link>
		<dc:creator>Stacey</dc:creator>
		<pubDate>Fri, 22 Aug 2008 17:20:54 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2770#comment-350075</guid>
		<description>Ditto, Miguel. I couldn&#039;t have said it better myself. AFM is the ONLY blog I consistently read b/c of its original content. Any schmuck can link to OTHER&#039;S original content. A great blogger actually CREATES!</description>
		<content:encoded><![CDATA[<p>Ditto, Miguel. I couldn&#8217;t have said it better myself. AFM is the ONLY blog I consistently read b/c of its original content. Any schmuck can link to OTHER&#8217;S original content. A great blogger actually CREATES!</p>
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		<title>By: Miguel</title>
		<link>http://allfinancialmatters.com/2008/08/20/a-conversation-with-a-disgruntled-reader/comment-page-2/#comment-349990</link>
		<dc:creator>Miguel</dc:creator>
		<pubDate>Fri, 22 Aug 2008 13:48:27 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2770#comment-349990</guid>
		<description>Sleeping on it, it occurred to me that AFM is the ONLY PF blog that I stop by on a regular basis. There are other profession-related and political blogs that I read regularly, but this is the only PF blog. I have been coming to AFM for about 2 years, so I was trying to think about exactly why that is. After all, the PF blogosphere is a pretty crowded one. Further, I&#039;ve already reached many of the PF milestones that most readers profess to aspire to reach and I know my way around PF issues in a pretty major way. I might be the exception, but what I&#039;m getting at is that it would take a lot for a PF blog to 1) Teach me something I don&#039;t already know, and 2) Hold my attention day-in, day-out.

Here&#039;s why I have been coming back:

1) It&#039;s personal. JLP&#039;s opinions are imprinted all over his blog. I like JLP and the way he thinks about stuff, and his blog is a direct reflection of him, his issues, concerns, ethics, etc. 

2) AFM is not just a regurgitation of news or facts, he generates orignal content (also where his opinion comes in). So many other blogs are BORING because they are just rehashing news and PF basics. I like to be challenged and I like to see debate stirred up.

3) By sharing so much of himself, I feel I have come to know the measure of the man. I know it&#039;s in a limited form and I could be kidding myself, but I really do feel like I know him (at least this side of his life).

4) JLP is one smart cookie. Seriously. Like I said, it takes a lot for somebody to be able to teach me something about PF I don&#039;t already know. I have a small army of accounts, lawyers, planners, advisors, etc. and I keep them on their toes. Yet, I have certainly learned a few things from reading AFM. That, plus, its just interesting to see different ways to approach things.

5) JLP responds. He is an active participant in the comments section. This definately makes a difference. Also, AFM&#039;s commenters are a pretty interesting group themselves and they provide interesting views.

Anyhow, just thought I would share that. This whole &quot;food stamp&quot; post may not have gone down well with some folks, but JLP is human after all. I think he&#039;s done a much better job than any of us could in keeping AFM relevant and interesting.</description>
		<content:encoded><![CDATA[<p>Sleeping on it, it occurred to me that AFM is the ONLY PF blog that I stop by on a regular basis. There are other profession-related and political blogs that I read regularly, but this is the only PF blog. I have been coming to AFM for about 2 years, so I was trying to think about exactly why that is. After all, the PF blogosphere is a pretty crowded one. Further, I&#8217;ve already reached many of the PF milestones that most readers profess to aspire to reach and I know my way around PF issues in a pretty major way. I might be the exception, but what I&#8217;m getting at is that it would take a lot for a PF blog to 1) Teach me something I don&#8217;t already know, and 2) Hold my attention day-in, day-out.</p>
<p>Here&#8217;s why I have been coming back:</p>
<p>1) It&#8217;s personal. JLP&#8217;s opinions are imprinted all over his blog. I like JLP and the way he thinks about stuff, and his blog is a direct reflection of him, his issues, concerns, ethics, etc. </p>
<p>2) AFM is not just a regurgitation of news or facts, he generates orignal content (also where his opinion comes in). So many other blogs are BORING because they are just rehashing news and PF basics. I like to be challenged and I like to see debate stirred up.</p>
<p>3) By sharing so much of himself, I feel I have come to know the measure of the man. I know it&#8217;s in a limited form and I could be kidding myself, but I really do feel like I know him (at least this side of his life).</p>
<p>4) JLP is one smart cookie. Seriously. Like I said, it takes a lot for somebody to be able to teach me something about PF I don&#8217;t already know. I have a small army of accounts, lawyers, planners, advisors, etc. and I keep them on their toes. Yet, I have certainly learned a few things from reading AFM. That, plus, its just interesting to see different ways to approach things.</p>
<p>5) JLP responds. He is an active participant in the comments section. This definately makes a difference. Also, AFM&#8217;s commenters are a pretty interesting group themselves and they provide interesting views.</p>
<p>Anyhow, just thought I would share that. This whole &#8220;food stamp&#8221; post may not have gone down well with some folks, but JLP is human after all. I think he&#8217;s done a much better job than any of us could in keeping AFM relevant and interesting.</p>
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		<title>By: lorax</title>
		<link>http://allfinancialmatters.com/2008/08/20/a-conversation-with-a-disgruntled-reader/comment-page-2/#comment-349940</link>
		<dc:creator>lorax</dc:creator>
		<pubDate>Fri, 22 Aug 2008 11:05:50 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2770#comment-349940</guid>
		<description>@ Christina - Sadly, I agree.  AFM has become quite a bit of personal finance as it relates to JLP&#039;s political views.  For this reason, nowadays I only drop by once or twice a month to pick out the good stuff, if there is any.

AFM hasn&#039;t turned into Rush Limbaugh quite yet, but I&#039;m not hanging around for the full conversion.

He&#039;s entitled to his opinions, but there are better, more apolitical blogs for PF - like The Simple Dollar.</description>
		<content:encoded><![CDATA[<p>@ Christina &#8211; Sadly, I agree.  AFM has become quite a bit of personal finance as it relates to JLP&#8217;s political views.  For this reason, nowadays I only drop by once or twice a month to pick out the good stuff, if there is any.</p>
<p>AFM hasn&#8217;t turned into Rush Limbaugh quite yet, but I&#8217;m not hanging around for the full conversion.</p>
<p>He&#8217;s entitled to his opinions, but there are better, more apolitical blogs for PF &#8211; like The Simple Dollar.</p>
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		<title>By: No Debt Plan</title>
		<link>http://allfinancialmatters.com/2008/08/20/a-conversation-with-a-disgruntled-reader/comment-page-2/#comment-349804</link>
		<dc:creator>No Debt Plan</dc:creator>
		<pubDate>Fri, 22 Aug 2008 03:25:27 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2770#comment-349804</guid>
		<description>Wow, very touchy on both sides. 

&quot;I did it ... my way!&quot; Great song. Great motto. Stick to your guns.</description>
		<content:encoded><![CDATA[<p>Wow, very touchy on both sides. </p>
<p>&#8220;I did it &#8230; my way!&#8221; Great song. Great motto. Stick to your guns.</p>
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