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Biden: "I will eat Rudy Giuliani alive at a debate."

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faithfulcitizen Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:30 PM
Original message
Biden: "I will eat Rudy Giuliani alive at a debate."
From JoeBiden.com 12/3/07:
I can't wait to debate Rudy Giuliani. Over the weekend, Rudy Giuliani attacked the Biden plan for a political solution in Iraq, "They're saying, 'We will divide the country.' (The Iraqi government) has to decide to divide the country. We're trying to create stability over there." I will eat Rudy Giuliani alive at a debate.

The former mayor never misses an opportunity to display how little he knows about foreign policy. My plan is to give regions in Iraq more control over their daily lives. It's a way for states to share power with a central government and achieve a political solution to the chaos there and it was endorsed by a bipartisan majority of 75 Senators, both Republican and Democrat. We've already seen it play out -- where local authorities have been given more control over their affairs, violence has gone down. Meanwhile, the Bush administration's attempt to create a strong central government is still not working -- for all the headlines the surge has created, we're no closer to a political solution in Baghdad than we were when the surge began months ago.

Folks, we've seen how dangerous it is to elect a president who doesn't understand how the world works. The last thing we need in the White House is four years of George W. Giuliani, or George W. Romney. Notice we haven't heard a word about their plans to reach a political solution in Iraq.

I promise you, when I am the Democratic nominee next year, I will eat them alive at the debates...

(Sorry, I can't find a link.) And he would too! :)
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rockymountaindem Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:31 PM
Response to Original message
1. I say lets get these two inside the octogon
I'd pay good money to see that.
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Steely_Dan Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:32 PM
Response to Original message
2. Great Quote
This is Biden at his best:

"Folks, we've seen how dangerous it is to elect a president who doesn't understand how the world works. The last thing we need in the White House is four years of George W. Giuliani, or George W. Romney. Notice we haven't heard a word about their plans to reach a political solution in Iraq."

-Paige

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faithfulcitizen Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:41 PM
Response to Reply #2
17. Yes, it's great! He has such a quick wit on his feet too. nt.
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calimary Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 08:07 PM
Response to Reply #2
26. OMG - I'm intoxicated! That is THE way to word it! MAGIC! WOWEE!
Edited on Mon Dec-03-07 08:09 PM by calimary
OMG - that just PEGS it!

george w. giuliani or george w. romney or george w. huckabee or george w. mccain.

YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce: YES! :bounce:

If I could kick a quote, I'd kick this one FOR ABSOLUTE TORCH 'N' TWANG SURE!

Guys, that's the seed we should start planting. george w. ANYBODY. WHOMEVER of their guys it is. Now AND later. At every waking moment! Hammer this one home!!! It's a giant-killer! Biden at his best is the understatement of the year!!!
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WheelWalker Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 11:31 PM
Response to Reply #2
50. Biden would rip off Gulliani's lips, climb down his throat and eat his heart out.
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baldguy Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-11-07 02:33 PM
Response to Reply #2
86. They don't want a "political solution" in Iraq.
In their opinion the present situation IS THE SOLUTION. Their model is S Korea - occupation of Iraq for the next 50-100 yrs.

The neocons objective is a situation for the ongoing creation of threats to America.
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razors edge Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:32 PM
Response to Original message
3. Sounds kinky,
I bet Judy Giuliani likes the sound of it.
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bigdarryl Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:32 PM
Response to Original message
4. Biden will you PLEASE shut the fuck up you have no chance
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Captain Hilts Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:34 PM
Response to Reply #4
10. Perhaps you should considering shutting the fuck up and giving other candidates some air.
A suggestion.
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Eurobabe Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 04:38 PM
Response to Reply #10
72. Big Darryl, I have you on IGNORE, why the fuck are you showing
Edited on Tue Dec-04-07 04:39 PM by 48percenter
up on this thread? :shrug:

OOPS my bad, I forgot to ignore your moronic replies, done now. See ya!
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MadBadger Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:34 PM
Response to Reply #4
11. Bullshit
Bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, douche.
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faithfulcitizen Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:35 PM
Response to Reply #4
12. If he shuts up, then he CERTAINLY won't have a chance.
Besides, having Biden talking helps ALL Dems.
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DS1 Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:36 PM
Response to Reply #4
15. He'd have a better chance against the pubs than Hillary
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Mojambo Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:50 PM
Response to Reply #4
20. Not a terribly helpful comment. n/t
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Byronic Donating Member (379 posts) Send PM | Profile | Ignore Mon Dec-03-07 07:51 PM
Response to Reply #4
21. Tell me,
How is Biden attacking Republicans, and showing them to be the cracked empty vessels that they are, in any way a bad thing?

Why should Biden shut up?

Why should ANY of our fine Democratic candidates 'shut up'?

Also, ultimately, the voters will decide who stays or leaves this race.

I want Biden to keep talking and exposing the vapid Republican candidates at every opportunity, and, if he fails to win his parties' nomination I'm damn sure that the Democratic nominee will want him to carry on doing so too.
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Name removed Donating Member (0 posts) Send PM | Profile | Ignore Mon Dec-03-07 08:54 PM
Response to Reply #4
28. Deleted message
Message removed by moderator. Click here to review the message board rules.
 
JerseygirlCT Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 08:58 PM
Response to Reply #4
30. Not a single vote has been cast yet.
Or are you basing that assumption of yours on the MSM?
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bunnies Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:32 PM
Response to Original message
5. I dont doubt that for a second.
But I doubt he'll have the chance.
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faithfulcitizen Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:38 PM
Response to Reply #5
16. Alas, you are probably right. But, I tend to root for dark horses under extreme circumstances. nt
;)
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PatSeg Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 09:37 PM
Response to Reply #16
35. And dark horses have been known to win
Candidates with the most media coverage tend to wear thin on the public after a while, especially when the bickering starts. That is why so many dark horses in the past have quietly moved up in the race.
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Blue_In_AK Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 11:21 PM
Response to Reply #35
49. That is very, very true.
Edited on Mon Dec-03-07 11:23 PM by Blue_In_AK
I'm sick to death of the Hillary and Barack show.
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PatSeg Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 09:23 AM
Response to Reply #49
60. It is getting really old
I'd rather watch paint dry.
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xchrom Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:32 PM
Response to Original message
6. like a boy scout eats a gooey s'more at a campfire.
that is one smaq down i would pay top dollar to see.
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PatSeg Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 09:40 PM
Response to Reply #6
36. Must see TV
After years of republican hubris and idiocy, it would be a just and satisfying experience to see one of their darlings put in his place, fair and square.
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lyonn Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 04:37 PM
Response to Reply #6
71. Biden can gently smack you down or throw you down
During the Dem debates he gently but firmly makes his points. I can just imagine him coming after Rudy with clean, deep cuts!

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Captain Hilts Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:33 PM
Response to Original message
7. Yes, Biden would. Biden is trained to argue and Giuliani to give orders. No contest. nt
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Deja Q Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:33 PM
Response to Original message
8. Who'll bring the A1 steak sauce?
Or even the ketchup?
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Olney Blue Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:33 PM
Response to Original message
9. Pass Biden the salt, and let him go for it!
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1corona4u Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:35 PM
Response to Reply #9
13. I'd pay to see it...
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AtomicKitten Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:36 PM
Response to Original message
14. Biden would spank any one of them in a debate.
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PatSeg Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 09:43 PM
Response to Reply #14
38. Rudy would be the most fun to watch
I can hear the one-liners now, accompanied by that Biden look of disbelief, where he raises his eyebrows.
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AtomicKitten Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 10:22 PM
Response to Reply #38
42. I do believe Joe would make 9iu11iani cry.
:)
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PatSeg Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 10:33 PM
Response to Reply #42
43. I can hear him sputtering now in my head
"But, but, but I've run a city and handled a crisis........9/11, 9/11, 9/11......you're all gonna die!"

"I want my Mommy!"
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1corona4u Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 02:06 AM
Response to Reply #43
58. LOL...don't you mean;
"Butss, butss, butss I'ves runs as cityss ands handleds as crisisss........9/11, 9/11, 9/11......you'res alls gonnass diess!"
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zabet Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-11-07 02:34 PM
Response to Reply #58
87. LOL
That 'you'res alls
gonnass diess!' just
cracked me up.
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maddiejoan Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:45 PM
Response to Original message
18. Hope he remembers
to spit out the diamond earrings before he swallows.
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1corona4u Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:57 PM
Response to Reply #18
24. AHAHAHAHAHAH hahahahahaha....
diamond earrings...
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Think82 Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:47 PM
Response to Original message
19. Yes he would. I hope Iowa realizes this in time!
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BeyondGeography Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:53 PM
Response to Original message
22. Joe doesn't like Rudy much, does he?
Meantime, we talk about Rudy and Mitt, their candidates talk about Hillary and the voters are starting to look elsewhere.
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JerseygirlCT Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 08:59 PM
Response to Reply #22
31. Not much TO like nt
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jillan Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 07:55 PM
Response to Original message
23. "A noun, a verb and 9/11"
Biden is ready!
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1corona4u Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 08:01 PM
Response to Reply #23
25. Yes, and let's not forget this classic 22 seconds...
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justinrr1 Donating Member (213 posts) Send PM | Profile | Ignore Mon Dec-03-07 08:49 PM
Response to Reply #25
27. That is one reason why Biden is our best chance
he wont take any of the right wing bullshit that got Kerry in trouble.
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PatSeg Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 09:46 PM
Response to Reply #27
39. That's for sure!
Biden is the ONE Dem the republicans DON'T want to run against.
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butterfly77 Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 03:45 PM
Response to Reply #39
69. I have been saying this for a long time now...
they just hate hillary and bill no matter what but, they really don't want Biden. I have watched some of these rightwing pundits and they make sure they change the subject if Biden's name comes up. They know that they can't pull out some talking point because Biden will hit them with the facts. I don't like the mealy mouth long explanations some of the others have been giving.
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PatSeg Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 09:27 PM
Response to Reply #25
32. That look at the end is priceless
I never get tired of watching it.
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troubleinwinter Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 09:47 PM
Response to Reply #25
40. Thanks for that! Priceless!!!! Hahaha! He was slapping Rudie for his crap on Obama & HC.
Edited on Mon Dec-03-07 09:52 PM by troubleinwinter
Good man.
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youthere Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 10:05 AM
Response to Reply #40
63. While eating lunch on the run no less.
Love that Joe!
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WheelWalker Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 11:51 PM
Response to Reply #25
52. Mother of Buddha ! That IS classic !!! I literally fell out of my
chair when I saw the look on Joe's face there at the end. What a clip!
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JerseygirlCT Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 08:57 PM
Response to Original message
29. Yeah, I think he would, too.
And that *would* be fun to watch!
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goodgd_yall Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 09:29 PM
Response to Original message
33. I do believe
Joe Biden would beat any other Republican candidates in a debate. I also think that of Chris Dodd.
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PatSeg Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 09:29 PM
Response to Original message
34. "Every time Biden mentions Rudy's name, an angel get his/her
wings!" And Rudy gets an ulcer. Rudy must HATE Joe Biden!
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sniffa Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 09:41 PM
Response to Original message
37. i think most of the dems would
but Biden definately would.

Hillary would be the only sure loser in that debate.
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Tom Joad Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 10:01 PM
Response to Original message
41. I thought he only ate Arabs?
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Catherine Vincent Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 10:34 PM
Response to Original message
44. And he probably will.
Go Biden!
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skipos Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 10:35 PM
Response to Original message
45. He is a great speaker. I agree with him. nt
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Odin2005 Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 10:39 PM
Response to Original message
46. BWAHAHAHA!!! Kick his ass, Joe!
:yourock:
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1corona4u Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 11:38 PM
Response to Reply #46
51. Joe & Rudy...
Rudy-->
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FatDave Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 10:51 PM
Response to Original message
47. Don't forget the Maalox, Joe.
Yes, plenty of Maalox after that meal.
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faithfulcitizen Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 11:11 PM
Response to Reply #47
48. Haha! Yes, I hear he's very bitter. :)
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Evergreen Emerald Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Dec-03-07 11:52 PM
Response to Original message
53. He would too--that would be a fun debate to watch
In fact, he would eat every republican alive!
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avrdream Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 12:56 AM
Response to Original message
54. Go get 'em, cowboy!
I just love that: "I will eat Rudy G... alive." Simply the best. Typical Biden style, too.
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1corona4u Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 01:16 AM
Response to Reply #54
55. LOL....
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JVS Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 01:25 AM
Response to Original message
56. I'm gonna eat his children an stomp on his testicles!
Iron Mike 2012
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Eurobabe Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 01:55 AM
Response to Original message
57. Bwahahha! Great line by Joe: George W. Ghouliani, etc.
:rofl:
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nyc 4 Biden Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 09:20 AM
Response to Original message
59. i dont know why . . .
but i believe him!! :)
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saltpoint Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 09:30 AM
Response to Original message
61. I'm not sure Giuliani will be in the race after the South Carolina primary.
Things aren't exactly going his way right now.

It could turn around for him, but it doesn't feel as if it will. I think his polling will continue to drop.

If Biden were to be our nominee and Rudy theirs the first debate would be all Biden. Rudy would be reduced to his usual back-alley thuggery, and it just wouldn't work on Biden at all.

At the end of the event, men in white coats would have to fill Giuliani with animal tranquilizer and cart his sorry ass off to involuntariy commitment.

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1corona4u Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 09:57 AM
Response to Reply #61
62. Joe should jump on this as a way to raise money...
Edited on Tue Dec-04-07 09:58 AM by 1corona4u
hold a Joe/Rudy debate, charge to see it...I'd go, and pay-whatever to get in....of course the chicken shit con would probably say no...sort of a "winner take all cash" contest...have the public vote via computer/phone...
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youthere Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 10:06 AM
Response to Original message
64. I'd love to see Biden debate ANY of the repukes...
because there isn't ONE that would stand a chance against him.
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faithfulcitizen Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 10:18 AM
Response to Reply #64
65. No doubt! I just wish the Iowa and NH dems would give us this present.
Pretty please... :)
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youthere Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 10:23 AM
Response to Reply #65
66. I'll do my best!
Mr.Youthere and I are both caucusing for Biden.
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murbley40 Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 04:10 PM
Response to Reply #66
70. Thank you, Thank you!
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jackstraw45 Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 02:07 PM
Response to Original message
67. No doubt, Biden knows how to TALK to a TV camera...too bad he votes so POORLY on important issues.nt
nt
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1corona4u Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 04:44 PM
Response to Reply #67
74. Yawwwwnnnnn....
Edited on Tue Dec-04-07 04:45 PM by 1corona4u
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in_cog_ni_to Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 04:47 PM
Response to Reply #74
76. Yawn? So you think the Credit Card companies deserve to be protected, but the poor don't?
WTF?
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1corona4u Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 05:08 PM
Response to Reply #76
77. Credit cards are optional.
Edited on Tue Dec-04-07 05:09 PM by 1corona4u
Let me repeat that. Credit cards are optional. If someone doesn't like deal they have, there are a million other companies out there. If someone can't get a good plan, or a rate, chances are, they; 1. have no credit; 2. they're a credit criminal. Poor people don't generally have credit cards, because of the 1st reason. If they do have credit cards, then hopefully, they are smart enough not to run them up to the ceiling, with no viable means to pay them.

That's how I feel about it. And before you go off slamming me, let me give you a breif background on why I feel that way.

I was a HS dropout. I started to work at the age of 17, in a Blake's Lotta Burger, in Albuquerque NM. I got an apartment shortly thereafter, and I have been out on my own ever since. I have never filed for a BK, even though I had credit issues early on, I have never taken ANY public aid whatsoever, and I used the skills I did have to make it my way through this life, without help from anyone.

I moved to Florida 14 years ago, with $2000.00 in my pocket, an 11 yr old car, everything I owned IN the car, and NO JOB. I stayed in a really bad part of town, renting a room for $85.00 a week, got a job making FIVE dollars an hour, saved my money, got a better job, got a better apartment, etc.

Now, I now have 3 profitable businesses, I pay my bills on time, I keep at least 20K in my checking account, and I have a moderate stock portfolio. I own my own home, I have a new car, I have about 15 credit cards, most with no balances, at all, and it took me my whole life to get here.

The Bottom line is, people have plenty of opportunity in this country. Whether or not they choose to take the bull by the horns and actually do something about it, is another thing all together.

So, while I have compassion for the poor, and there will always be special circumstances, if you are asking me to feel sorry for those 'less fortunante', then I'm going to have a hard time doing that, since I was one who pulled herself up and did it ALONE.
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in_cog_ni_to Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 05:39 PM
Response to Reply #77
78. Your compassion is overwhelming!
NOT.

Not everyone is able to save $2000 to get that start. Hell, some people don't know where their next meal will come from, let alone have enough money to SAVE.. It was much easier to live on less 14 years ago than it is today. The dollar doesn't go very far these days and if you can't see that, then I feel sorry for you!

Happy Holidays.:(
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frogcycle Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-11-07 11:38 AM
Response to Reply #78
79. and anyone who thinks that solving that problem by running up credit card debt
needs counseling
Here are aspects of the supposedly onerous bankruptcy bill:

http://money.cnn.com/2005/04/20/pf/bankruptcy_bill/index.htm

It does not automatically throw poor people out in the street. It provides for better means tests to filter out the scam artists who repeatedly run up credit cards and then walk away from them.
It says if you have the means to pay back 25% of the debt you incurred voluntarily, you should do so.

It says if you buy a house and also run up credit card debt, you can only shield 125,000 equity in the house in the first 40 months, or if you are guilty of violating securities laws or some other crimes.

There are a lot of people who have learned how to abuse the system. I personally know more than one who who have declared bankruptcy multiple times, walked away from credit card bills, live in nice houses, and still have all the stuff they bought two or three bankruptcies ago.

If this bill is imperfect; if there are individual cases where it is too heavy-handed, there are provisions for the courts to use discretion. If the means tests need to be tweaked, or if special circumstances need to be defined for hardship cases like medical emergencies, etc. then that is where to focus. Compassion for the true hardship cases is vastly different from saying this is giving the credit card companies a "handout." The "handout" is 25% of the debt paid back over five years by those with demonstrated capability to do so. Quarrel over the ability formula if you wish, but slamming this bill in total because it may make it tougher on some of those in the grey area is simpleminded.

Those who want to keep the free ride are the ones making all the noise about this.


NEW YORK (CNN/Money) – President Bush on Wednesday signed into law a bankruptcy reform bill that will make it harder for individuals to clear their debts through bankruptcy.

So, experts say, if you were thinking about filing for bankruptcy, you might think twice -- or act twice as quickly, since major provisions of the law will go into effect six months from the day the law is signed.

Individuals filing for bankruptcy usually do so either under Chapter 7 or under Chapter 13.

In a Chapter 7 bankruptcy, your assets (minus those exempted by your state) are liquidated and given to creditors, and many of your remaining debts are cancelled, giving you what's known as a "fresh start." In 2004, over 1.1 million people filed for Chapter 7, accounting for roughly 72 percent of non-business bankruptcies.

Since many Chapter 7 filers don't have assets that qualify for liquidation, credit card companies and other creditors sometimes get nothing.

In a Chapter 13 bankruptcy, you're put on a repayment plan of up to five years. Any debts not addressed by the repayment plan don't have to be paid. Last year, there were 445,574 Chapter 13 filings.

Under the new law, fewer people will be allowed to file under Chapter 7; more will be forced to file under Chapter 13.

Lawmakers who favor the legislation argue that it will prevent consumers from abusing the bankruptcy laws – using them to clear debts that they can afford to pay.

But consumer advocates argue that the new law is a gift to creditors – particularly the credit card industry, which may receive $1 billion or more from repayment plans due to the expected increase in Chapter 13 filings, according to Robert McKinley, CEO of CardWeb.com.

"The bill simply doesn't balance responsibility between families in debt trouble and the creditors whose practices have contributed to the rise in bankruptcies," said Travis Plunkett of the Consumer Federation of America in a written statement.
Key changes

Here are some of the major changes for consumers under the new law:

A qualifying test: Currently, it's up to the court to determine if your case qualifies for Chapter 7 bankruptcy.

Under the new law, your income will be subject to a two-part means test. First, it will be subject to a formula that exempts certain expenses (rent, food, etc.) to determine whether you can afford to pay 25 percent of your "nonpriority unsecured debt" such as your credit card bills. Second, your income would be compared to your state's median income.

You won't be allowed to file for Chapter 7 if your income is above your state's median and you can afford to pay 25 percent of your unsecured debt, said California-based bankruptcy attorney Stephen Elias, who is coauthor of the book "How to File for Chapter 7 Bankruptcy." But, he said, you may be allowed to file for Chapter 13.

If your income is below the state's median but you can pay 25 percent of your unsecured debt, you may be able to file Chapter 7, but the court can still require you to file Chapter 13 instead if it believes that you would be abusing the system by filing for Chapter 7, Elias said.

Under current law, the court has great latitude in deciding whether debtors may file for bankruptcy in consideration of their personal circumstances. Under the new law, there will be few if any exceptions made to the means test, no matter how sympathetic your case, said Leon Bayer, a bankruptcy attorney in Los Angeles.

Determining what you can afford to pay: Currently, if you file for Chapter 13 today, the court determines what you can afford to pay based on what you and the court deem to be reasonable and necessary expenses.

Under the new law, the court will apply living standards derived by the IRS to determine what is reasonable to pay for rent, food and other expenses to figure out how much you have available to pay your debts. The IRS regulations are more stringent, and to contest them means asking for a hearing from a judge, which can mean more time and expense, Elias said.

Tougher homestead exemptions: Currently, if you declare bankruptcy, the state where you file may allow you to protect from creditors some or all of your home equity. In Florida, for instance, your home may be entirely exempt, even if you bought it soon before filing. In Nevada, you may exempt up to $200,000.

The new law, however, places more stringent restrictions on the homestead exemption. For instance, if filers haven't lived in a state for at least two years, they may only take the state exemption of the state where they lived for the majority of the time for the 180 days before the two-year period.

Filers may only exempt up to $125,000, regardless of a state's exemption allowance, if their home was acquired less than 40 months before filing or if the filer has violated securities laws or been found guilty of certain criminal conduct.

Unlike most of the other provisions, the new homestead exemption rules go into effect immediately.

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in_cog_ni_to Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 04:45 PM
Response to Reply #67
75. Ditto that sentiment. If only he hadn't voted against poor people with that Bankruptcy Bill vote and
FOR MBNA and the CC companies.:( That totally SUCKS.
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Think82 Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-11-07 02:23 PM
Response to Reply #67
83. yeah. 1 vote you don't like in 35 years of terriffic service. Nice sense of proportion.
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Qutzupalotl Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 03:06 PM
Response to Original message
68. Error: You've already recommended that thread.
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in_cog_ni_to Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-04-07 04:43 PM
Response to Original message
73. I saw that speech. It was AWESOME!
There's NO DOUBT he would eat Rudolph alive in a debate! No doubt whatsoever.:thumbsup: That was a GREAT speech, BTW.
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hughee99 Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-11-07 01:56 PM
Response to Original message
80. "Joe Biden endorses cannibalism", where's the headline? n/t
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AspenRose Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-11-07 02:16 PM
Response to Original message
81. He sure would, no doubt about that.
That would be must see TV.
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PresidentObama Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-11-07 02:17 PM
Response to Original message
82. He won't have the chance. Rudy won't be the nominee.
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PatSeg Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-11-07 02:25 PM
Response to Reply #82
84. At the rate the republicans are going, they
may have to call Alan Keyes again.
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murbley40 Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-11-07 02:27 PM
Response to Original message
85. kick
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trof Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Dec-11-07 02:35 PM
Response to Original message
88. Washington Times: "Biden Endorses Cannibalism"
:rofl:
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PatSeg Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Dec-12-07 01:22 AM
Response to Reply #88
89. Do cannibals eat their prey alive?
Naw, just politicians!
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Common Sense Party Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Dec-12-07 01:30 AM
Response to Original message
90. With fava beans and a nice bottle of chianti? nt
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FrenchieCat Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Dec-12-07 01:35 AM
Response to Original message
91. Did anyone tell Biden that Ghoulie is sinking like a stone?
Shouldn't someone give him a ring? :shrug:
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PatSeg Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Dec-12-07 09:31 AM
Response to Reply #91
92. Well there's always Huckabee
next, but I think he's suffering the same fate as Rudy.
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1corona4u Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Dec-12-07 10:31 AM
Response to Reply #91
93. You're forgetting one thing...
republicans don't care about the shit Rudy has done......
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