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Fake Government Statistic: It Costs $241,000 to Raise a Child

Written by Gary North on August 15, 2013

The U.S. Department of Agriculture issues this statistic every year. Reporters dutifully report it. There is no more misleading statistic that the government releases each year. It is clearly preposterous. It is never challenged by the media.

No one asks this: “Why should the USDA be gathering these statistics?” Food absorbs less than 20% of the typical household’s budget. The USDA is not an expert organization in anything else. This is what we call mission creep. A bureaucracy expands its jurisdiction and therefore also its budget.

Here is a typical example of the media’s dutiful gee-whiz reporting.

What’s wrong with this? First, attributing 30% to the cost of housing. If a family puts three boys on one bedroom, and three girls in a second bedroom, the cost per child will plummet.

In fact, the housing expense for children is close to zero. Here’s why. All costs are marginal, economic theory teaches. What is the cost of those extra rooms? Almost zero.

When childless couples buy a home, do they buy a one-bedroom home? No. They buy at least a two-bedroom home. Most of them buy a three-bedroom home. But if the average American family buys extra bedrooms for show, the marginal cost of having a child live in that bedroom is zero. This is basic economics.

Do they immediately move out when the children depart? No. So, the marginal cost of the children’s occupancy was zero. Americans pay for bedrooms they don’t need. It’s aesthetic. It’s cultural. It’s the American dream.

I live in a three-bedroom home. Two of them are empty. I could easily convert two more rooms into bedrooms. I could adopt 10 children, and the housing costs would not rise much: the loss of one office, which could be moved into the basement, where there is another empty room. What did I pay for the house, plus the basement? About $225,000. I bought it in 2009. So, spare us the cries of high housing costs for children. These costs are marginal. The more kids you stick into a bedroom, the more marginal the costs are.

Second, what about food? What does it cost to feed a family of four? Not much, according to the USDA.

USDAcosts

Look at families with four or five children. They are middle-class families. Does it really cost a million dollars to raise these kids to age 18? The families that are this large don’t have that kind of income. I know of a small middle-class church in Alabama where some families have 8 children. These are one-income families. It will not cost each family $2 million after taxes to raise these children. They will not make $2 million after taxes over the next 30 years. They will not make $2 million before taxes — not at $50,000 a year (or less).

The video reporter speaks of day care costs. But these last at most six years, and most families do not use day care. At $200 a week, that is about $10,000 per child, times six. That is $60,000. That leaves $180,000 per child. In 18 years, that is $10,000 per child after day care. The government wants us to believe that the average household, which makes $50,000 per year, spends $24,000 on two kids. That is $24,000 after taxes and after day care.

This statistic is fake. It is obviously fake. This is zero population growth twaddle. The media report it as gospel truth.

The public is gullible. People do not examine the nonsense they are being fed by the USDA in terms of their own experience. If readers simply thought this, the whole illusion would vanish: “What is it costing us to raise our kids?” But they do not think. They read the USDA’s twaddle and think: “Times are tough.” They aren’t tough if you have a job at the USDA as part of a high-paid team that issues an obviously fake report every year.

Continue Reading on www.bloomberg.com

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57 thoughts on “Fake Government Statistic: It Costs $241,000 to Raise a Child

  1. Rabelrouser says:

    Beliving "government statistics" is the joy of being mentally manipulated.

  2. Wow, clearly you don't have kids. And that is a good thing.

  3. Of, by, and for the people has evolved into of, by, and for government. As bigger gets bigger, numbers must grow… in all cases except unemployment and pension annuities, where what you saw isn't seen because Cyclops ate it.

    If 7 million job seekers are removed from the work force because benefits ran out, and there's 12 million on unemployment ,comp, is the jobless rate 12 million 7.6% or 19 million 12.1% ? If 144.1 million workers are only working 34.5 hours/wk, isn't the lost time between 40 and 34.5 the same as 23 million jobless (14.7%) because isn't enough job demand for 144.1 million @ 40 hr/wk? Is the result 42 million 26.9% jobless or somewhere between that & 12.1%. (2012 BLS data)

    If you invest 12.4% of $42,537/yr – $439.55/month @ 5% compounded (0.40667%/,o) from 18 to 65th birthday (46 years) you would have $941,686 cash that would pay $8,005/mo for 13.5 years (avg age 78.5) – total payback is $1,296,880! SSI pays back avg $1,235/mo & $200,070! Government inflation geometrically devalues the investment, especially when benefits are inflation indexed while investments rapidly rot over a "Ponzi lifetime". Ponzi means invested funds are used to pay benefits… a crime everywhere but at the executive-legislative levels of federal government!

  4. 1) Children are a blessing from God.
    2) People produce more than they consume (if allowed to)
    Therefore:
    Given time and freedom, these children will be an asset, rather than a liability.

  5. If you actually buy food in bulk and cook your own meals, no, it doesn't cost much to feed yourself or your family. If you're hiring cooks to do all your cooking for you, your costs go up.

  6. Doctor's bills, sports, clothing, field trips and other stuff do add up, that is true, but you, as a parent, can control the final costs involved.

    A quarter-million dollars? Sure, if you get your kid every electronic gee-gaw known to man and involved them in every organized activity you can cram into their schedule. Kids now need less electronics and less structure. Let them be children, and give your wallet a break.

    Stick to the basics and maybe one or two frills of varying size a month for an incentive to behave or just to go have some fun. Watch the costs go down, and your bond with your children grow. You may find the kid actually likes the simple things, better, too, which is a benefit not only financially but to illustrate the importance of the small, everyday things that make life special.

  7. It’s talk like this about having children that can send a culture into population decline. Especially when promoting abortion extinction becomes unavoidable._The reports from the Department of Agriculture and other federal departments of what massive immigration numbers do to this nation once where accurate and now proven to be true. Not believing in this one narrow view of cost analyses is correct, but._Not believing in population stabilization (which can and has been done without abortions or numeric birth limits) is incorrect. Especially when coupled with massive immigration numbers._There is no denying (history is proof) that massive immigration drowns cultures as another moves in. Especially from cultures hell bent on increasing their numbers while expanding territory and even a promoted intent to conquer another culture._My Congressional Rep once successfully distorted my point by asking “does this mean you think I should not of had three children?” reply

  8. reply; no. With the attendees in laugh mode the Congressmen then regales in a Star Trek episode.
    Our leaders and all entertainment outlets have bombarded the public with negative theory on marriage, procreation, abortion and free enterprise. The answer to fix what they have created including the tax revenue problem is now dubbed as needed, massive immigration.
    What is championed in these reports champion the goal of destroying the best governmental system known to work best for everyone and empowers everyone with great power. But no system of government or culture will survive un-limited immigration.
    Multi cultures exist because of separation and severe limits on immigration no matter what governmental system is in place. It is quite the pipe dream to believe multi cultures exist any other way.

  9. The author doesn't seem to take into account clothing and the buckets of other things associated with raising children. And with the food costs rising the way they are I doubt the validity of that chart anyway. What kind of food is "thrifty" or :liberal"? What about the extra costs for electricity in that otherwise unused room and the extra laundry, TV and computer use, etc, gas, school supplies, etc, etc, etc. And I have only mentioned a few things, the list is practically endless. The author is obviously biased (although I don't know in which direction) and is writing form a pack of statistics himself. I don't trust government statistics either, or medical ones, or any of them actually, you can always fond a statistic to prove" whatever your point is. Seems to me this whole article is a waste of space or, more precisely, a space filler.

  10. And this means what? By your response you may have kids and I suspect you disagree with someone or the article. Your response is vague at best. Quantify you statement. What does it mean? I'd be interested to hear what you have to say.

  11. I suspect that part of what you said may be a typographical error. You mentioned, "Kids now need less electronics and less structure." I agree with the electronic games and such but the structure part? I disagree. Kids need less time in front of the TV, Computer, game consuls and "smart phones" and more time in structured activities. TV was and I suspect still is a baby sitter for a mother with toddlers. Turn on some benign children's show and go about your daily routine. Sesame Street was an example of a good program for kids.

    the point is, kids need more structure in their lives…

  12. "Fake government statistics" doesn't begin to describe the demonic hatred and plunder of the USA!
    Can anyone name anything about federal government that isn’t fraudulent, corrupted, and being defiled by the top officer majority?

    BLS June – 12 million unemployed & 7 million no benefits, jobless, & looking… says we had 19 million (12.1%) unemployment. The employed averaged a 34.5 hr/week, not 40 hrs, which says another 23 million jobs don't exist today (42 million total & 26.9%)! That’s WITHIN BLS’s 156 million workforce, which is only 63.5% of their 155.8 million eligible population.

    Corrupted officials, who lured 11 to 30 million CRIMINAL aliens into workforce to buy “progressive votes” and drive down citizen wages, will protect them by granting criminal immunity and citizenship, if not stopped! Additionally, "nobody knows how many" aliens work visas are doing the same thing to citizens! The myth of $6/hr cash under the table becomes snot in the citizen’s face when the $402 billion illegal alien subsidies ($36,545 each @ 11million) are added to a $12,480 tax free $6 wage – if so, that's $49,025 tax free. The Dec/2012 citizen BLS @ 34.4hr/wk $42,537 gross would be about $31,902 after 25% SSI & taxes! It’s a ruthless plunder of America!

    Illegal aliens steal $49,462 (40 hour avg.) citizen jobs! Citizens forced into unemployment qualify for endless “cafeteria” subsidies (illegal aliens’ $36,545 or Boston bomber’s $100,000??). They're here, right now, violating felony laws, joining their employers’ crimes, while our national executive officers mock the Constitution and law! A 25% employee tax plus 30% employer regulations & taxes says that $27,204 (55%) is never deposited in the CITIZENS’ treasury, because those spoils, competitive wages, and others are kept by criminal no tax employers! It’s time to stop bowing, apologizing, and paying homage to evil. SEVERELY prosecute it, beginning with the corrupted attorney general!

    Illegal aliens and their employers are evading and violating countless felony laws regarding income tax, SSI, workmen’s comp, unemployment comp, wage & hour, and other regulatory laws, including ID theft, and collusion with and by government officials, etc.! Only a very sick society respects criminals and corruption! It has nothing to do with race!

    Mr. President, Holder, Rubio, McCain, gang of 8, and others; get a calculator! If you can add, give us some honest answers and costs; or start arresting each other for violating oath & duties of office plus fraud, sedition, & treason! You swore to uphold the law & Constitution. Either enforce the Constitution and law, or resign and face charges when you're thrown out of office!

  13. madmemere says:

    Wasn't it Mark Twain who said "There's lies, there's damned lies and then, there's statistics"? That, pretty accurately, sums up the current "regime", currently camping in the "District of Corruption"!

  14. Sesame Street a "good" programme? sorry, but no. Starting with hthe leftict liberal bias, twisted morality, and fast-changing scenes, Sesame Street is largely responsible for the "type" of children's programming strongly connected with today's epicemic of ADHD, ADD, and similar attention span "issues. Not to mention the (at times not-so-subtle) reprogramming of children's minds…..

  15. the "extra costs" in that unused room are bing paid anyway, remember that bit? And if you have an "endless'list of things kids "need', you're spoiling them. They do not NEED all that "stuff". Teach them to work, earn their own funds, be thrifty, appreciate the value (beyond the simple dollar figure) if their "stuff", to give… and to make do with what they have…. and to be innovative on how to gain access to other "stuff" without them, or you, having to spend money directly to own it. LIbraries for DVD's instead of Netflix or buying new…. at one video a week, that's a savings of over a thousand bucks per year. Extend that principle to any area you can/ Kids do not NEED all that stuff….. its mainly the parents who think they "need" it for their kid as a point of pride: SEE how well I"m "providing" for them?

  16. If it really DID cost 240,000 dollars to raise a child to age 18, any person in the U.S. who makes less than $13,000 a year would be prosecuted for criminal negligence just for having a child. Any immigrant seeking to enter the country legally would be forced to post a bond of 240,000 for each child he already has. Then, if he cannot demonstrate the wherewithal to pay another 240,000 for any future child, then mandatory sterilization would be required before his naturalization.

    Do you see any of that happneing? I don't.

  17. The cost they quote is for people who are rich and can pay for what they don't want to do or simply like to spend. Most expenses of the first child don't apply to the second. The second and third and so on uses hand me down furnture, clothes, strollers etc. My grandchildren have never needed a penny for childcare. Grandparents supply it. Friends pass on clothes their children outgrow. For most normal families these figures are outrageous.

  18. 4TimesAYear says:

    I agree about the housing (my family had 3 of each in 2 bedrooms) but I disagree about the food – the government has a vested interest in keeping those numbers down because it means those needing assistance get fewer food stamps. I've seen how much my active nieces and nephews put away and it would put any middle income family in the poorhouse.

  19. 4TimesAYear says:

    "Incentive to behave"??? Sounds more like bribery to me. Children should be taught that behaving is it's own reward. You do chores as a part of the family as well.

  20. 4TimesAYear says:

    By the way, the food stamp program uses the "thrifty" food plan. Just try getting by on that – what a joke.

  21. No, no no. Less structure. Kids need time to use their imagination and PLAY! Climb trees, ride bikes, wade in the creek, catch bugs, play with their dolls, build extensive lego monoliths, write dramas, read books, play with siblings and friends, etc, etc, etc. Too many kids' schedules consist of piano, soccer, dance, t-ball, etc, etc, etc. While those can be great in moderation they must not crowd out a child's opportunity to just be imaginative and PLAY!

  22. Americans spend $40,000 per dog.

  23. Where there is a will, there is a way. For those who see the blessing of children, they realize it is foolishness to try to quantify their value in dollars. As someone else posted above, children, raised right, will contribute to society. We're in quite the bind now with baby boomers drawing social security and the work force dwindling by the year as more & more of the future generation is slaughtered (in the name of "choice"). We have 4 children, they share 2 bedrooms in our 3 bedroom house. Yes, we do buy more food, use more electricity, etc. with them. We also allow them to participate in helping with the chores, buy real food (yes, in bulk, and cooking/baking our own), shop at the thrift store (but usually get clothes second hand from neighbors & friends), don't have cable, don't have cell phones, don't go out to eat more than once or twice a month, don't waste money on movies, etc. but enjoy life's simpler pleasures. We live on one income, own our home & 2nd hand vehicles (no mortgage, no loans, no credit card debt). The values of previous generations, if retained, make having children a much less costly prospect. And again, the joy children bring to your life can not be calculated in mere dollar amounts.

  24. You missed the point Tionoco. I said, "Sesame Street "was" an example of a good program for kids." They are anything but since Jim Henson died. Back in the seventies my son and I used to watch the program. Today??? Kids learn the wrong values and you throw in Michelle Obama with her hype and it becomes a political arena. But then again we have video where this little child is praying to Obama not God…

  25. You know JulieMom, I agree. However, when was the last time you saw kids climbing trees, searching for bugs or any of the things you mentioned? When I was growing up we did these things and enjoyed every minute of it. During the summer we were out all day with miles of fields to explore and trees to climb. Less electronics and less structure? I'm not sure I follow. What structure do kids have today? <Smile> Oh to turn the clock back.

    I guess the point being, the parents need to cut the amount of time kids spend on their electronics. Get out and climb a tree or two, go down to the creek and catch tadpoles and crawfish. Kind of hard to do this in the city.

  26. thank you! I totally agree…!!

  27. TheEpicure says:

    While government stats are nonsensical so is this analysis.
    1) housing. The reason a childless couple buys a house with 3 bedrooms is because of future plans or possibilities. There is a significant cost in moving house so you similarly don't downsize immediately after your kid finishes college. But the majority of people do eventually downsize into retirement. The analysis is specious.
    2) food. Depending on one's income level you spend more or less on food, as you do everything else. A couple who spends $50 a day before a kid isn't going to downgrade to mac and cheese after having a kid. They will maintain their level and probably feed the child at a proportional level.
    3) education. If the kid goes to a good college you have more than $20k right there. Sure if your income is low then some or all of that will get picked up in financial aid. But if you're hard working and successful you will pay a quarter million to send your kid to Harvard or even a mediocre private college. You just hope they study something more useful than feminist postmodern interpretive dance.
    4) taxes. It clearly costs a lot of money to raise a kid but government has deemed that single people have to subsidize your offspring. You get tax breaks galore with kids. The people without kids do not. This mitigates a fraction of the substantial costs.
    5) the average is misleading. It depends on one's income. More representative would be
    A) if you live on the public dole, you (or more accurately the taxpayers) will pay $x to raise raise a kid.
    B) if you make $25k a year, you (plus some taxpayer assistance) will pay $y
    C) if you make $50k, the median family income, it is $z
    D) if you make $75k, the average family income, then $240k is probably not too far off the mark. That's less than $1000 a month.
    E) if you make $200k, your average New York City professional family, you will probably spend near a million bucks.

    The author normally writes good commentary but his analysis here is pure drivel and fails to make a point. Other than the fact that the USDA should not be wasting taxpayer money on something that is not its remit.

    Kids cost money, typically a lot more money than one expects. An if you've ever had the privilege of paying for child support as part of a divorce, you would know that. It is a bigger commitment than buying a car or renting an apartment or buying a dog, all of which should be considered carefully first. People contemplating a child should consider expenses. They should also consider whether they are otherwise able to raise the kid. One needs a license to drive but any idiot can have a child even if they are emotionally, financially or otherwise incapable of raising it. That is child abuse.

    Nothing against kids — none of us would be here if there were no kids — and the more of them there are, the better the odds that our Ponzi schemes such as Social Security will still be around when we retire. Buy pretending that the cost of raising a kid is near free with a specious argument about marginal costs and surviving on a ramen diet is ludicrous.

  28. North has written about his late son. Look it up.

  29. I listed things my girls do every day (except the lego monoliths – was trying to be inclusive, but we don't have boys 🙂 )
    My kids have no electronics (well they did recently get cameras) but we have no ipods/pads/cell phones/etc. They are allowed to use the computer once or twice a week.
    Welcome to the world of homeschooling! And while we can't quite turn the clock back, if you *make an effort* you can recapture some of those qualities. It just takes intentional parenting (and a willingness to "sacrifice" some modern "necessities").
    And I guess it depends which city you live in (I grew up on a farm, but my family lives in the suburbs and we have access to creeks and crawfish, and a wonderful climbing tree in the front yard.

  30. And the structure I'm referring to is what I see in many public-schooled children's lives: get up, go to school, participate in after school activities (soccer, ballet, piano, track, debate, you-name-it-something-every-night), do homework, go to bed, repeat. And a lot of that structure is "good things" but it's crowding out the better, as I asserted before. But you're right – if unstructured time is just left to electronics – that's frittering one's life away…. 🙁
    There actually are families w/o TVs, video games, cell phones, ipads, etc. We would all do well to limit our time on any of these devices.

  31. If you raise your children on significantly less than these so called "government figures," congratulations: You have managed to dodge what economists call "negative externalities." These include all costs NOT directly paid by the consumer for that given commodity or good. Here's a simple example: When you paid, say, $3.75 for that gallon of cheap American gasoline, how much of that $3.75 do you think went to the families of the soldiers who died to secure that pipeline in Iraq? And how much do you think went to the folks in Western Colorado to pay for their kids cancers directly related to the shale-fracking Chevron does family lands. WE may never know these details, but here are a few that we can calculate: Locheed-Martin charges you $177,600,000 for a single F-22-A Raptor aircraft. The new F-35 is expected to cost $635,000,000 for each plane to operate for 50 years – at today's prices. So you go right ahead and tell me how much does a gallon of petrol cost, when you include the "cost of doing business" in today's world? The "Government?" bah! It is us, we the people who costs darn much when you can do the math!

  32. Having the ducats, or at least being able to acquire them, it truly the new Darwinian fitness. Certainly, there are exceptions, but look at where the well-born work and reside, versus their just as the genetically fit (or fitter) from the other side of the tracks. The game is sadly stacked.

  33. Uh, no. Statistics are actually incredibly meaningful, if only one is schooled what what they mean. Mr. Twain was not.

  34. If you raise your children on significantly less than these so called "government figures," congratulations: You have managed to dodge what economists call "negative externalities." These include all costs NOT directly paid by the consumer for that given commodity or good. That's a commonly held definition.
    Pray tell, what in the world of science is "Christian Reconstructionist [sic]" economics? Is it a relative of "VooDoo Economics?" or Jew-Do Economics?" God, we need to know!

  35. I want a much, much bigger child deduction from now on. At these prices no one will ever want kids — hmm.

  36. i can see where the govt came up with the close to a quartter of a million to raise a child.. they took these stats from th costs at afdc.. the govt costs for raising a bastard child on welfare and supporting the single mother–then the costs associated with the child when it turns to criminality and is imprisoned skyrocket.. these bastard children who drain our social security funds –truth be told become criminals at a far greatewr rate than children from a 2 parent home with parents who work and pay taxes.

  37. My goodness that explains it. <Smile> Now I understand. Homeschooled, allowed to roam and explore the outdoors, climb trees and whatever piques a child's interest. In my opinion, girls can do all that boys do as well. Tom boys I think they call them. I like that.

    One spring my mom climbed a tree with us so we could peer into a robins next. <Smile> I enjoyed that as I did her getting in the muddy water to catch tadpoles. Yes, those were the good times of exploring and investigating nature. It sounds like your girls are getting a good education. I am in favor of homeschooling.

  38. I have always said that," if you wait to have children until you can afford them then no one would ever have any"! Yes, kids cost, but you will manage. You receive a lot more from them than they will ever take…

  39. Food absorbs less than 20% of the typical household’s budget. The USDA is not an expert organization in anything else.

    Where do you get the idea the USDA is an expert on food?

  40. sandykramer says:

    Be careful when you play with statistics. A few glaring oversights in the article: Medical, clothing, housing maintenance, insurance, fuel and transportation costs, educational costs, et. al. It cost my parents a quarter of a million dollars to pay my way through Princeton. Ten children in a two-bedroom house? Maybe, if you want to live in filth and squalor.

  41. Grandparents supply childcare?

    That's a laugh. When I was a signle parent, my mother was a widow working until age 70 to pay for a house so that she wouldn't have to go to a nursing home. My mother-9in-law was working retail in order to maintain health insurance for herself and my father-in-law, who had just gotten a huge pay cut.

    I am glad that some of us literally are still in the 1960's. I wish I were.

  42. Houses do not have bedrooms large enough for three people any more. Our society, including our child ssychologists, have promoted the idea that each child needs the privacy of a solo bedroom. Houses are built accordingly.

    The average 12-childr family of Hmong refugees would require some kind soul to donate use of a mansion on the Hudson rent-free.

  43. Phooey. I have 3 kids under the age of 7. The biggest repeat expenses thus far have been decent quality car seats. Clothes and toys are mostly bought secondhand (like-new secondhand stuff for little kids is very easy to come by, as they outgrow stuff fast). We cook from scratch, buy in bulk, raise a garden, etc, so food costs are minimal. We breastfeed and avoid vaccines and as much of the rest of the "health" care system as possible, and we've had exactly one illness severe enough to require medical care. A couple of colds passed around per year is generally it. Homeschooling costs are minimal, and our kids are learning to do _real_ stuff, as we are building an off-grid straw bale house and starting a homestead.

  44. kalamawashington says:

    These last few described my daughters family to a tee. Outside playing, investigating animals, learning by hands on activities. No cell phones, ipads etc. Dad is a computer genius who works at home, but controls tightly the access of the kids to the web. Google earth is a great tool. They homeschool all 10 of their kids. All are at least two years ahead of grade level in all subjects, some as far as five or six. Second grader reading at a 9 grade level. Third grader doing 9-10 grade math, etc. Dad earns 75K a year, Mom teaches, and they still have enough to make double payments on their house. More toys and clothes than you can imagine. All due to good money stewardship.

    That number is completely nuts. Talk to real people, and see what it really costs, and take the average. As was mentioned most families do not use daycare. Also, I liked the comment "unregulated daycare". I am all for that. Family and good, trustworthy friends who have the same values as I do is exactly what I would want for my kids.
    'Nuff said.

  45. kalamawashington says:

    That is a stupid statement. Crowding DOES NOT have to equate to "filth and squalor". Maybe it would if you tried to do it, but for many, maybe even most, it wouldn't. Seems to make a statement about your dedication to cleanliness in your house.

  46. kalamawashington says:

    At 70, after presumably about 50 years of working, either her and/or her husband, she was still working to pay off a house? I would call that kind of poor money planning, or "wants" greatly exceeding "needs".

    Also, a lot depends on ages of the children, grandchildren and grandparents. We are in 66 and 67 and have 10 grandchildren 12 and under living next door . We help with sitting. As seen above, only a one income family, Mom homeschooling, but the still occasionally need some sitting help, and we are happy to do it.

  47. kalamawashington says:

    Above family 10 kids in three bedrooms, including four girls in one, two sets of bunk beds.

  48. sandykramer says:

     <DIV>I'm afraid you will find that virtually all professional sociologists consider a positive correlation between overcrowded housing and slum conditions as axiomatic.</DIV> <DIV style=”FONT: 10pt arial”>

  49. Or retarded…

  50. I have kids and it can be expensive, however nothing like this report would suggest. Don't insult people you disagree with Pete. I have three Kids and according to this peace I should a Millionare.

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  56. (This a request made by the majority of title companies and
    is not only required to prove to them the borrower is who they say but
    to also help avoid the laundering of money by and for terrorists.
    You don’t require an apostille for your passport or
    driver’s license. The notary is meant to serve the public
    in non-contentious matters (contentious matters currently being the domain of legal professionals).
    We provide delivery of the pharmaceuticals from wholesaler to the retail to
    the patients as well. Gary Maldonado alleges that the attorney explained to him that
    it would take money to ensure that his wife would be released from jail.

  57. * Use a various password for each and every
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    You will notice when it finishes that the installation promote and status bar have disappeared for some time for the reason that the inadequate capacities of standard Microsoft
    memory cards. cab file opens, right click on the file
    and select Open Folder.