Weekend Open Discussion

This is the time and place to post observations about your local areas, comments on news stories or the New Jersey housing market, open house reports, etc. If you have any questions you wanted to ask earlier in the week but never posted them up, let’s have them. Also a good place to post suggestions, requests for information, criticism, and praise.

For readers that have never commented, there is a link at the top of each message that is typically labelled “[#] Comments“. Go ahead and give that a click, you might be missing out on a world of information you didn’t know about. While you are there, introduce yourselves to everyone.

For new readers that have only read the messages displayed on the main page, take a look through the archives, a substantial amount of information has been put online in the past year. The archives can be accessed by using the links found in the menus on the right hand side of the page.

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504 Responses to Weekend Open Discussion

  1. Cindy says:

    First – It’s Saturday!

  2. grim says:

    From Bloomberg:

    U.S. Mortgage Foreclosures Rose in Fourth Quarter

    A record number of Americans were in danger of losing their homes in the fourth quarter, even as new delinquencies declined, the Mortgage Bankers Association said.

    Loans in foreclosure rose to 4.58 percent of all mortgages, while those more than 90 days overdue — the point at which lenders usually begin the process of seizing a property — climbed to 5.09 percent, the Washington-based trade group said in a report today.

    “We have a hard-core block of unemployed who have been out of jobs for a long time, and that’s keeping the long-term delinquencies high,” Jay Brinkmann, the association’s chief economist, said in an interview. “New entrants to the ranks of the unemployed have been falling, and that’s why we see the early delinquencies dropping.”

    Government efforts to prevent foreclosures have been thwarted by the biggest employment contraction since the Great Depression. U.S. companies shed more than 7 million jobs since December 2007. The unemployment rate fell to 9.7 percent in January after hitting a 26-year high of 10.1 percent in October, according to the Bureau of Labor Statistics.

  3. grim says:

    From the LA Times:

    Bank to take prime commercial property in Beverly Hills

    Jet-setting British developers are set to lose their prized real estate on a prime stretch of Wilshire Boulevard in Beverly Hills on Friday as a bank controlled by Mexican billionaire Carlos Slim completes a foreclosure.

    The property slipping away from brothers Nicholas and Christian Candy is the site of the former Robinsons-May department store at 9900 Wilshire Blvd., next door to the Beverly Hilton Hotel at the boulevard’s intersection with Santa Monica Boulevard.

    The Candy brothers, who planned to develop condominiums and a hotel, made headlines in 2007 when they bought the eight-acre parcel for $500 million. The jaw-dropping sum made the transaction one of the largest in the history of Los Angeles County.

  4. grim says:

    From the NY Times:

    Housing’s Crystal Ball

    HOME buyers heading into real estate’s busy spring season face a tricky question: should they buy soon, before mortgage rates increase, or wait a few months, when housing prices are finally expected to hit rock bottom?

    Of course, the assumptions at the core of that question could easily fall through. But rarely in recent years have economists from the mortgage and housing industries been so closely aligned in their short-term nationwide forecasts as they seem to be now.

    Economists are generally predicting that mortgage rates will begin to edge up in late March, settling at about 5.5 percent, possibly as high as 6 percent, for a 30-year fixed-rate loan. The rate today is around 5 percent. They also expect that the inventory of foreclosed homes will grow through the summer, saturating the market with cheap properties and keeping overall prices low.

  5. yo'me says:

    Does any body have history of interest rates for the last 20 years? Is it really worth betting home prices will go down with interest rates up monthly will be the same as buying with low interest?After all you can always refinance at lower interest rates later.

  6. yo'me says:

    Does any body have history of interest rates for the last 20 years? Is it really worth betting home prices will go down with interest rates up monthly will be the same as buying with low interest?After all you can always refinance at lower interest rates later.

  7. safeashouses says:

    #3 grim

    Wow. The seller only paid 33 million for that property 3 years earlier. So on a 20% downpayment of 6.6 million the seller to the brits made about 75 times their initial money.

  8. crossroads says:

    “should they buy soon, before mortgage rates increase, or wait a few months, when housing prices are finally expected to hit rock bottom?”

    i would think there will be a lag between the rise in rates and seller expectations. lets face it seller expectation is still close to peak prices in some areas

  9. freedy says:

    wait a minute . i thought i saw yesterday
    that housing foreclosures where less bad.?

  10. Mr Hyde says:

    Yome

    yes I have that data will post it later today

  11. Mr Hyde says:

    Yome

    interest rates and home prices are almost always inversly proportional.

  12. Yikes says:

    Comrade Nom Deplume says:
    February 19, 2010 at 5:35 pm

    [416] clot

    “BTW, before I nuked Trenton, I’d give everybody a week to get out.”

    First, perhaps you missed the point of Trenton’s post. Trenton is much more appealing place than we give credit for, so perhaps nuking it is a tad much. Besides, Bucks is still in the CEP and fallout pattern.

    I readily admit that if the SHTF, a big concern is folks from Trenton trying to cross over into Bucks County, PA.

    i always think back to that Katrina situation where the cops guarded that one bridge when everyone from the city of New Orleans (ie – the ‘poor folks’) tried to escape into a “nice town.”

    does that make me a bad Christian?

  13. Essex says:

    WSJ — Teacher seniority rules are meeting resistance from government officials and parents as a wave of layoffs is hitting public schools and driving newer teachers out of classrooms.

    In a majority of the country’s school districts, teacher layoffs are handled on a “last in, first out” basis. Critics of seniority rules worry that many effective and talented teachers who have been hired in recent years will lose their jobs.

    Unions say that seniority rules are the only objective way to carry out layoffs, and that they protect teachers from the whims and bias of managers, who might fire effective teachers they don’t like.

    This year, because of cuts in state aid to New York City, the city could be facing a loss of about 8,500 teacher jobs out of a total of 80,000. The last time the nation’s largest school system laid off a teacher was 1976.

    If New York City is forced to lay off some of the more than 30,000 new teachers it has hired in the past five years, it is “going to be catastrophic,” said Joel Klein, chancellor of the city’s school system. “We’re going to be losing a lot of great new teachers that we hired” in recent years, the chancellor said.

    Mr. Klein added that another problem with “last in, first out” was that because newer teachers earn less than veterans, more teachers will end up losing their jobs.

  14. Schumpeter says:

    “Last in, first out” is a guarantee that many of the worst teachers stay.

    This is all done by design. Pretty soon, there will only be 100,000 educated, thinking people in the US, and they will own the rest of us and run our lives completely.

  15. Cindy says:

    http://www.slate.com/id/2245328/

    I figure many here will find this entertaining:

    “Basically, it’s over – A parable about how one nation came to financial ruin”

    Slate

    “Basicland” “casinos” “bucketshops” “GDP” – You get the picture…

  16. frank says:

    Don’t wait until NJ RE market turns in to a buying frenzy like in Las Vegas. Buy a house now.

    Market color from Las Vegas

    “All of these factors is creating a frenzy in the market place. The buyers putting little to no money down are finding themselves putting in 3 – 10 offers on properties with no success in getting their offer accepted. Banks are making the decision on the offers from a risk analysis standpoint, the lower the amount of money down, the higher the risk of the deal not closing. Many of the bank owned homes are seeing so many cash offers that the financed offers are not even looked at, creating even more frustration for the buyers. Especially the cash buyers in may instances…”

  17. More teacher articles? I’m definitely going to yoga today.

  18. Before I leave I will say this, Bloomberg and Klein have manipulated data to get the outcomes they want. If you believe that any of what they say is true, I have a bridge to sell you. And who knows? When armageddon comes, that bridge may come in handy.

  19. Mr Hyde says:

    Yome

    Historical interest rates Vs NJ HPI 1975-2010

    http://www.scribd.com/full/27160591?access_key=key-p2lg0ro98f642ocl15m

  20. Mr Hyde says:

    Yome,

    On that chart, note that the various “innovative” loans started to appear enmass right around 2000. I only have incomplete data for the various ninja and Arm type loans, but the take off around 2002 from the data i have in a similar curve as to drove the 80’s bubble as interest rates crashed.

  21. Essex says:

    Wlep you shared a lot of good stuff last night clot. Thankz/. Always knew you were a genius type. Gawddam geniuses always the closest to madness I say. Cause they know the absurdity of the sitch.

  22. Essex says:

    My thought on the edumacation situation? Human enterprise. Fraught with emotion. Predominately done by women.

    How can you go wrong?

  23. grim says:

    From the FDIC:

    Mutual of Omaha Bank, Omaha, Nebraska, Assumes All of the Deposits of Marco Community Bank, Marco Island, Florida

    The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $38.1 million.

    Community National Bank, Hondo, Texas, Assumes All of the Deposits of the La Coste National Bank, La Coste, Texas

    The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $3.7 million.

    FirstMerit Bank, National Association, Akron, Ohio, Assumes All of the Deposits of George Washington Savings Bank, Orland Park, Illinois

    The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $141.4 million.

    OneWest Bank, FSB, Pasadena, California, Assumes All of the Deposits of La Jolla Bank, FSB, La Jolla, California

    The FDIC estimates that the cost to the Deposit Insurance Fund (DIF) will be $882.3 million.

  24. Cindy says:

    http://www.calculatedriskblog.com/2010/02/study-mods-just-delay-foreclosures-61.html

    Calculated Risk

    “Study: Mods just Delay Foreclosures, 6.1 Million to Lose Homes”

  25. Shore Guy says:

    ““Study: Mods just Delay Foreclosures, ”

    Say it aint so? No Tooth Fairy? No Easter Bunny? No Santa Claus? And now this?

    The next thing you will be telling me is that there is gambling going on in this place.

    I am shocked. Shocked!

  26. 3b says:

    #4when housing prices are finally expected to hit rock bottom?

    Does that include our area too?

  27. 3b says:

    #5 Lower prices higher rates equal better. As I have always said you can refinance the rate, but you can never refinance the purchase price.

  28. safeashouses says:

    A RE agent told me last month that a house under contract I was interested in doesn’t count as a comp because it is a short sale.

    WTF?

    So all the other homes in the area that aren’t underwater should sell for 15 to 20% more than this one does because the other owners bought pre bubble or put 20% plus down?

  29. Jeff K says:

    With the price drops that we have seen here in New Jersey, what year of pricing do you think we have fallen back to? 2004, 2003 year prices?

  30. 3b says:

    #17 Hey frank with 50% off peak prices, one could expect a frenzy in that market. I would expect to see that here as well with 50% off.

    For you it will always be 2005.

  31. 3b says:

    #31 I think we are back to 2003, possibly 02.

  32. skep-tic says:

    I am also wondering how tight the correlation between rates and prices will be this time around. At the very least, I think there will be a big lag between rates rising and prices dropping. I understand why this should not be the case, but I also think that most sellers remain fixated on peak prices and think prices should start going up again, not down.

  33. 3b says:

    #34 I agree and disagree. I think sellers do remain fixated on peak prices, why they would think prices would rise again lokking at the economic landscape is beyond me. However one reason they remain fixed on peak prices, are low rates, take away the low rates, and the fog will clear for many of these sellers, and prices will drop.

    For others it will make no difference they either bought at peak, or HELOC’d away their equity. They are desperately seeking just one sucker to bail them out.

  34. yo'me says:

    Interest rate and HPI touches each other
    ’86-87 $450,000 at 10% =$3949/month
    ’00-’01 $400,000 at 8%=$2935/month

    Highest interest rate at 17%
    ’80-’81 $260,000 at 17%=$3706/month

    HPI at the peak of $625,000
    ’05-’06 $625,000 @ 5.6%=$3587.99

    Today HPI at $525,000 rate at 6%
    =$3147.64

    Cheapest to buy at ’00 prices with 8% interest monthly is $2935/month less than $200/month at todays prices.

    Thanks MR Hyde,In deed HPI and interest rate is proportionate.

  35. Waiting says:

    #23 Lots of angry folks out there… http://www.youtube.com/watch?v=uV3Yua4KioQ

    The related video on youtube is appropriately “Living Under Siege – Israel/Palestine”

  36. skep-tic says:

    Fannie and Freddie may cease to exist, but I cannot see any way the gov’t ceases backstopping the mortgage market.

  37. House Hunter says:

    http://seekingalpha.com/article/185660-property-values-projected-to-fall-12-in-2010

    Ben Bernanke and Timothy Geithner prove that book learning makes you dumb and government work makes you slow. Don’t put your faith in them or their experience. They haven’t spent enough time in the real world.

    If you own real estate and you can sell, sell it. If you want to buy, make sure you are staying for 10 years and insist on a great deal. Make sure you can live with losing 10 percent or 20 percent or 30 percent of the price that you pay for your home.

    The risk inherent in our current real estate market is far beyond the tolerance of 98% of would-be buyers. That means you. You can get screwed badly if you buy now. Don’t do it. Don’t put yourself in the poor house.

  38. yo'me says:

    Fair price at 2000-2001 prices at 8% interest rate?

  39. House Hunter says:

    http://www.doctorhousingbubble.com/housing-perception-foreclosing-on-reality-the-fundamental-housing-attribution-error/

    The perfect example of this is highlighted with a recent Zilliow survey that found 62% of American homeowners believed their home went up or remained the same in value over the past year. The only problem is in reality, 77% of U.S. homes actually declined in value. How can people be so wrong? In areas like California where the median price is now down by 38% on a year over year basis, it is very likely that 90%+ of all homes have declined in value. Yet what does the survey tell us about those in the west? Let us take a look and see:

    West

    My Home’s Value Has Increased: 28%

    My Home’s Value Has Decreased: 56%

    My Home’s Value Has Stayed the Same: 16%

    Actual Percent of Homes that Increased: 9%

    Actual Percent of Homes that Decreased: 88%

    Actual Percent of Homes that Stayed the Same: 3%

  40. House Hunter says:

    skep-tic, regarding Barney…reading this just makes me think back to that post of the 2004 hearings where B and his friends screamed that nothing was wrong with Fannie and Freddie

  41. House Hunter says:

    I walked through this one, let me tell you what you dont see, a water filled basement with mold. Everthing original, the owner even said so (she was there) Mold, darken lines are like a grid up the walls and the ceiling in a pattern following the studs…wrecking ball is what they should say. Also needs a well inspection and new septic
    http://www.realtor.com/realestateandhomes-detail/14-Morningside-Dr_Pennington_NJ_08534_1116139534

  42. leftwing says:

    OK, so totally inappropriate, but it made me laugh and hopefully it will delay more teaching discussion:

    Two Middle East mothers are sitting in a cafe chatting over a plate of tabouli and a pint of goat’s milk.

    The older of the mothers pulls a bag out of her purse and starts flipping through photos. And they start reminiscing.

    ‘This is my oldest son Mohammed. He would be 24 years old now.’

    ‘Yes, I remember him as a baby’ says the other mother cheerfully.

    ‘He’s a martyr now though,’ mum confides.

    ‘Oh, dear’ says the other.

    ‘And this is my second son Kalid. He would be 21’

    ‘Oh, I remember him,’ says the other happily, ‘he had such curly hair when he was born’.

    ‘He’s a martyr too’ says mum quietly.

    ‘Oh, gracious me …’ Says the other.

    ‘And this is my third son. My baby. My beautiful Ahmed. He would be 18’, she whispers.

    ‘Yes’ says the friend enthusiastically, ‘I remember when he first started school’

    He’s a martyr also,’ says mum, with tears in her eyes.

    After a pause and a deep sigh, the second Muslim mother looks wistfully at the photographs and says…

    ‘They blow up so fast, don’t they?’

  43. skep-tic says:

    Barney Frank is a crook and seems to be an all around obnoxious person. He is not dumb, however, and I doubt he plans to destroy his ability to direct mortgage policy on a grand scale.

    on the predictions for further massive collapse of the housing market, it may happen, but I think it will only follow from a bond market call-out of the U.S. gov’t along the lines of Greece. At this point, our gov’t still has plenty of ammo left. One proposal I have heard is that the gov’t should guarantee house prices along the lines of FDIC deposits. I am sure they would do something like this if another dip starts up.

  44. Mr Hyde says:

    Yome

    don’t forget income. Home prices 2 major factors are ave/median family incmes & interest rates.

    So in your example 2000 prices at 8% only makes sense if incomes are about the same. Incomes are actually galling while debt service is increasing. Therefore the median family actuallyhas less to spend on housing then they did in 2000

    think 95-96 prices at 8%

  45. leftwing says:

    From the “Guidebook to the 111th Congress, Second Edition”, page 13, Maxim 2:

    “Never trust prima facie any action by Barney Frank. Always look for the hidden agenda.”

    Fannie and Freddie were great for Frank when they were writing blank checks.

    Disbanding them gives him several benefits.

    First, the millstone of bad PR is buried.

    Second, public disclosure disappears as they are taken on the federal balance sheet. They move from rigorous SEC disclosure to a line item.

    Third, as a consolidated, obscure, and non-transparent part of the US government, what do you think will happen with all those underwater homeowners?

    Option 1: Frank, et. al. hold these borrowers to their obligations, and let the housing market find its natural equilibrium.

    Option 2: The biggest principal forgiveness program around. The ultimate ‘freedy’.

    Which do you prefer?

    Conservatives/Repubs ought to be careful here. Don’t take the bait, you’ll hand the keys to the vault over to Frank and his cohorts.

    Keep them public and accountable.

  46. Mr Hyde says:

    Skeptic

    will only follow from a bond market call-out of the U.S. gov’t along the lines of Greece

    a very possible scenario and one of the most likely in my opinion.

  47. House Hunter says:

    skep-tic agreed they will do whatever.
    I just don’t see any of this making sense. I just see the only way out of all of it, not just housing, as a default on the part of local, state and federal govt at some degree.

  48. lisoosh says:

    Quite the thread you guys made yesterday. Not even going there.

    Found John on YouTube though:

    http://www.youtube.com/watch?v=owGykVbfgUE

    The Man Your Man Could Smell Like.

  49. Shor glad the Bush Administration is out of office Guy says:

    I don’t know if this has already been posted and can’t look but, it is a perect example of how fcuked up the last administration was and how dangerous they were to all of us. This is from Newsweek:

    Former Justice Lawyer John Yoo

    The chief author of the Bush administration’s “torture memo” told Justice Department investigators that the president’s war-making authority was so broad that he had the constitutional power to order a village to be “massacred,” according to a report by released Friday night by the Office of Professional Responsibility.

    The views of former Justice lawyer John Yoo were deemed to be so extreme and out of step with legal precedents that they prompted the Justice Department’s internal watchdog office to conclude last year that he committed “intentional professional misconduct” when he advised the CIA it could proceed with waterboarding and other aggressive interrogation techniques against Al Qaeda suspec

  50. Shore Guy says:

    Here is part not copied above:

    Report: Bush Lawyer Said President Could Order Civilians to Be ‘Massacred’
    Feb 19, 2010

    Melissa Golden – Getty Images

    Former Justice Lawyer John Yoo

    The chief author of the Bush administration’s “torture memo” told Justice Department investigators that the president’s war-making authority was so broad that he had the constitutional power to order a village to be “massacred,” according to a report by released Friday night by the Office of Professional Respon

  51. confused in NJ says:

    53.Shor glad the Bush Administration is out of office Guy says:
    February 20, 2010 at 1:39 pm
    I don’t know if this has already been posted and can’t look but, it is a perect example of how fcuked up the last administration was and how dangerous they were to all of us. This is from Newsweek:

    Former Justice Lawyer John Yoo

    The chief author of the Bush administration’s “torture memo” told Justice Department investigators that the president’s war-making authority was so broad that he had the constitutional power to order a village to be “massacred,” according to a report by released Friday night by the Office of Professional Responsibility.

    The views of former Justice lawyer John Yoo were deemed to be so extreme and out of step with legal precedents that they prompted the Justice Department’s internal watchdog office to conclude last year that he committed “intentional professional misconduct” when he advised the CIA it could proceed with waterboarding and other aggressive interrogation techniques against Al Qaeda suspec

    Sadly, like it or not, when you are dealing with a fanatical threat, willing to martyr itself by the thousands to kill you, operating any other way against them is Suicide.

  52. lisoosh says:

    confused – I don’t think Shore was commenting on how to deal with terrorism so much as Yoo’s predilection for running roughshod over the US constitution and the Bush administrations enthusiastic embrace of the notion.

    If you become your enemy, they win.

  53. goonsquad says:

    33, 2003 prices now?

    http://www.trulia.com/property/1096033672-57-N-Passaic-Ave-Chatham-NJ-07928

    Sold for 360,000 in 2003. Currently 485,000. Looks unupdated.

  54. Schumpeter says:

    skep (39)-

    Doesn’t matter. There is no housing or mortgage market left. We are in the process of destroying what shreds and tatters remain, and when Phony/Fraudy/FHA again collapse, it will be the kill shot for 20-40 years.

    At that point, you will either find small handfuls of people mortgaging through private lenders with 50%+ DPs, or cash-only deals. Everyone else will be fighting in the streets, fighting in one of our endless wars or starving to death.

    We are in a depression, and the situation is actually worse than the ’30s. There will probably never be a legitimate, functioning RE market again in our lifetimes.

  55. confused in NJ says:

    56.lisoosh says:
    February 20, 2010 at 1:56 pm
    confused – I don’t think Shore was commenting on how to deal with terrorism so much as Yoo’s predilection for running roughshod over the US constitution and the Bush administrations enthusiastic embrace of the notion.

    If you become your enemy, they win.

    If you don’t understand your enemy, your Dead. This War has been going on since about 1000 A.D.

  56. Shore Guy says:

    Confused,

    I firmly believe that nations have the right to defend themselves and to wage war against any other nation at any time. That said, doing so can be counterproductive; e.g., do we need to invade Canada to get their oil, I think not.

    Nevertheless, going in and killing whole villages of innocents is nothing short of a war crime.

    As twisted as Yoo was, you should not feel confident that his thinking did not extend to CONUS — I suspect that it did.

    Obama suc-ks and may destroy our economy but Bush was a greater threat to our liberty than any other threat we have faced since 1812.

  57. Schumpeter says:

    The RE deals that have been happening over the past 18 months are just “echo frauds” that are structured like the big frauds that led us into this mess. My prediction is that close to 90% of all homebuyers from 07-10 will default on their mortgages, which will lead to a final, cataclysmic collapse of the entire US economy.

  58. Schumpeter says:

    Gerald Celente is too conservative in his predictions.

  59. Schumpeter says:

    3b (35)-

    The low, low rates will never go away. The Fed will take off the training wheels for perhaps 30 days, and the carnage will be too much to bear.

    The Fed will jump right back into buying worthless agency paper and will continue to do so until the swarthy hordes overrun the UST and Federal Reserve buildings.

    The last pieces of agency paper bought by the Fed will be smeared with the blood of its purchasers.

  60. Schumpeter says:

    Better get all the ramen, water, guns and ammo you can.

    People are going to look back on the first bank runs and week-long exchange shutdowns as the good old days.

  61. Schumpeter says:

    house (44)-

    Suggest the owner fly a plane into it.

  62. Schumpeter says:

    hyde (49)-

    When the bond vigilantes make their utlimate move, they will be able to destroy the fixed income markets with little more than a huff and a puff.

    Treasuries, MBS, CMBS, corporates, junk…shattered, for 20-40 years.

    We will spend the latter part of our lives fighting, bartering, trading and paying in silver and pieces of eight.

  63. House Hunter says:

    are you kidding me, they think it is priced right. I can see the flipper picking it up now, throwing some bleach on the walls and painting, one year out it will bleed through, the mold is in the studs

  64. Schumpeter says:

    shore (53)-

    Meh. Guys waterboard their kids now.

    Ain’t nothing but a thing…

  65. House Hunter says:

    in case anyone hasn’t seen Celentes predictions:
    http://www.trendsresearch.com/forecast.html

  66. Schumpeter says:

    Shore (54)-

    I bet they left out the part where it said the village that could be massacred is inside the US.

  67. House Hunter says:

    I think Schumpeter is more scary than Celente as he is just reporting on what he sees every day.

  68. Schumpeter says:

    hunter (67)-

    I can see a small band of insurgents using it as a safe house and improvised munitions dump.

  69. Schumpeter says:

    …or a grow house.

  70. chicagofinance says:

    Whatever you do, please do not fly a plane into Hovnanian HQ….I don’t want to be inconvenienced….

    513.Schumpeter says:
    February 20, 2010 at 12:11 am
    If I’m one step closer to going bonkers, it’s because working with these folks is beginning to get to me. I don’t know how anyone could work around all this failure and loss every day and not start to go nuts.

  71. Schumpeter says:

    hunter (71)-

    Discovered this AM that one of my clients abandoned his house. Probably came to the realization that his illusive “equity” position was actually closer to the negative number I gave him six months ago than the one he’s been clinging to.

    I didn’t even go in to see if the heat is on. Don’t want to know.

  72. Schumpeter says:

    Things are going to start going better when I refocus on just making money as fast as possible.

  73. Schumpeter says:

    If the pipes blow in that house, it will be easier to sell.

  74. Yikes says:

    Mr Hyde says:
    February 19, 2010 at 7:41 pm

    Citi getting ready for a bank run….

    Seen on a recent Citibank (C) statement: “Effective April 1, 2010, we reserve the right to require (7) days advance notice before permitting a withdrawal from all checking accounts. While we do not currently exercise this right and have not exercised it in the past, we are required by law to notify you of this change.”

    terrifying. anyone know if other banks are implementing this kind of garbage?

    if so, a lot of mattresses are about to get a little bit thicker …

  75. chicagofinance says:

    I wonder whether he told St. Peter he was in control up there?
    http://www.bloomberg.com/apps/news?pid=20601103&sid=aWsoPbUFdlVU

  76. Yikes says:

    Al “The Thermostat” Gore says:
    February 20, 2010 at 12:19 am

    Anyone that buys a house right now is a f#cking idiot …

    … for the most part. really depends where you go.

  77. House Hunter says:

    Schump, I think this area is just getting hit with the real pain, and you know, until that happens people just dont believe anything. I am glad to me in my position, sold in 2005 and rent.

  78. lisoosh says:

    Confused –

    Take this quote (not my personal sentiment):

    “They hate us for our Freedoms”

    So would you argue that the response is to take away our Freedoms, then “they” can’t hate us anymore?

    The Constitution is there to protect the American people. Pull it apart in the name of war (against another people) and you run into a big old steaming pile of unintended consequences. That civilian village suddenly isn’t in Yemen but in Kansas.

  79. Barbara says:

    impossible situation. People at the bank know where you live. You take it all out you are in serious danger of a break in. Guns won’t keep it safe, security system? Maybe. Large built in safe, probably best. Me, I may go with shovel and treasure map.

  80. Barbara says:

    great excuse to indulge in that over the knee boot trend.

  81. freedy says:

    after seeing the citi comments . does anyone
    go along with me on the “screw the Banks”

  82. Barbara says:

    freedy,
    do you have a link to the Citi news that Hyde posted above? I haven’t been able to find one.

  83. Schumpeter says:

    freedy (85)-

    Best you worry about laying low and not making yourself a big, shiny target.

  84. freedy says:

    screw you schum

  85. Schumpeter says:

    freedy (88)-

    You got a big mouth & we’re heading into times when that can be a real liability.

  86. Schumpeter says:

    Ever hear the phrase, “kill the messenger”?

  87. freedy says:

    hey asshole , let me worry about that .

  88. Barbara says:

    yahoo finance’s top story:
    “Facebook status appears glitchy Saturday”

    really?

  89. Barbara says:

    thanks cindy!

  90. Schumpeter says:

    freedy (91)-

    Even though it hasn’t happened yet, that attitude’s gonna get you in a whole heap of trouble.

  91. Schumpeter says:

    Just because people here sympathize with your views & actions doesn’t mean they give a rat’s ass what happens to you.

  92. Cindy says:

    http://finance.yahoo.com/real-estate/article/108875/is-this-the-safest-house-in-the-world

    Something tells me the “safest house in the world” is not going to be in Los Angeles.

  93. Cindy says:

    79 – “I wonder whether he told St. Peter he was in control up there?” LOL

  94. Mr Hyde says:

    Barb

    all you had to so was ask

    citi terms link

    https://online.citibank.com/JRS/popups/ao/Client_Manual_20091228.pdf

    see pg 23 (withdrawal refusal)

  95. Barbara says:

    thanks hyde,
    seemed quiet in here, I assumed people were afk

  96. Mr Hyde says:

    Cindy

    as it stands citi’s new terms apply to all 50 states. There is no legal exception unless specifically stated in the terms. I read the entire terms PDF and no where do the specify geophysical boundaries to this policy

    I know citi made a public statement that it applies to Texas only but the terms override any public statement.

    But remember I am not an attorney, just a highschool janitor

  97. Mr Hyde says:

    Citi just got caught preping for future bank runs and is now trying to do damage control

  98. Mr Hyde says:

    Barb

    no problem, my pleasure

  99. Barbara says:

    hyde,
    interesting. I have an onine checking connected to savings which I opened years ago for the better rate (ha!) but you had to have the two linked. I never use them, its strictly for savings. I wonder if being linked affects the terms on the savings…

  100. Qwerty says:

    Complete absence of perspective here regarding historical precedence, and the threat we currently face.

    During World War II our leaders put people into camps in California (Executive Order 9066) and dropped nuclear weapons on the cities of our enemies.

    Rest assured, the moment our enemies obtain a nuclear weapon, they will drive it straight into Times Square and detonate without the slightest hesitation.

    In the context of reality, all the pantywaist hand-wringing over “waterboarding” is a real laugh.

  101. frank says:

    By a house now, before prices go up, way up.

    http://www.nytimes.com/2010/02/21/realestate/21living.html

  102. Mr Hyde says:

    Barb
    I thought citi already had the right to delay withdrawal on savings. The change was applying this to DEMAND accounts and therefore essentially changing them into something else without people being aware of said change

  103. schabadoo says:

    Rest assured, the moment our enemies obtain a nuclear weapon, they will drive it straight into Times Square and detonate without the slightest hesitation.

    Hey, that’s not fair. Only we detonate nuclear weapons!

  104. Barbara says:

    Mr Hyde, disregard that post. I walked away understanding the article and not my own post :P

  105. confused in NJ says:

    60.Shore Guy says:
    February 20, 2010 at 2:07 pm
    Confused,

    I firmly believe that nations have the right to defend themselves and to wage war against any other nation at any time. That said, doing so can be counterproductive; e.g., do we need to invade Canada to get their oil, I think not.

    Nevertheless, going in and killing whole villages of innocents is nothing short of a war crime.

    As twisted as Yoo was, you should not feel confident that his thinking did not extend to CONUS — I suspect that it did.

    Obama suc-ks and may destroy our economy but Bush was a greater threat to our liberty than any other threat we have faced since 1812.

    If we are going to develop a Suck List then I would add;

    HST attacking Korea, which did not attacks the US

    JFK & LBJ creating Vietnam, which did not attack the US. (Talk about villages wiped out, LBJ was King).

    WJC who directed the US to kills it’s own citizens at WACO including women & children.

    GWB attacking IRAQ, which did not attack the US.

    “O” who perpetuates it.

    The start of this insanity goes back to HST and flawed meddling philosophies which have resulted in the Ugly American Syndrome.

    I don’t believe the US has enough money to be the Worlds Policeman. With all our ventures since the 50′, we are weaker and the World is less safe. What is the cost of maintaining a garrison in South Korea for over 60 years?

  106. confused in NJ says:

    82.lisoosh says:
    February 20, 2010 at 2:51 pm
    Confused –

    Take this quote (not my personal sentiment):

    “They hate us for our Freedoms”

    So would you argue that the response is to take away our Freedoms, then “they” can’t hate us anymore?

    The Constitution is there to protect the American people. Pull it apart in the name of war (against another people) and you run into a big old steaming pile of unintended consequences. That civilian village suddenly isn’t in Yemen but in Kansas.

    The Constitution only applies to American Citizens, not foreign terrorist.

  107. New in NJ says:

    confused 113-

    Where does the constitution say that it applies only to American Citizens and no one else?

  108. Cindy says:

    http://www.tickerforum.org/cgi-ticker/akcs-www?post=128894&page=1

    Thanks Kettle – I actually read about it yesterday @ the ticker Forums. I had not read the Denninger piece though.

  109. Veto That says:

    “With the price drops that we have seen here in New Jersey, what year of pricing do you think we have fallen back to? 2004, 2003 year prices?”

    The NY Metro Case Shiller index is back to late 2004.
    NJ FHFA hpi is back to mid 2005.

    As for my anectdata…
    In mediocre towns in central NJ, i do see a few opportunities to buy at 2002-03 prices. But in the stronger towns, i still see the majority of inventory moving at early 2005 prices.

  110. brewcrew says:

    The new terms only apply to Texas…until they don’t…and they won’t inform you ahead of time before it applies to you, because they don’t have to do so.

    In essence, it applies to all as of right now. Full stop.

  111. Veto That says:

    brewcrew, did you just make that up off the top of your head?

  112. Schumpeter says:

    You think that by the time the bank run starts, you can queue up and get anything other than tasered and poked with a truncheon?

    Hardy har. You keep more than $100 in a checking account, you’re asking for it.

    I’m slowly converting cash to ingots and 1/10 oz pieces.

  113. Schumpeter says:

    You much as line up and breathe on the locked door of your bank, you’re asking for a sniper to bust a cap on you.

    And on the 10 o’clock news, they’ll tell the world you’re the nutjob.

  114. 3b says:

    #46One proposal I have heard is that the gov’t should guarantee house prices along the lines of FDIC deposits. I am sure they would do something like this if another dip starts up

    If so, then would any of us really want to buy, and would Americans stand for it, and who gets guranteed, all homeowners, even those who purchased years ago,and at what price? I think you are stretching here.

  115. plg says:

    Shumpeter,

    I understand you must be seeing the worst of this financial meltdown. Seeing homeowners in denial, etc.

    I also see serious structural problems in the US economy. Clearly we all are going to have to get used to having less, which I don’t see as the worst thing in the world.

    However, what I find interesting is that, in almost every category, crime rates are down, despite the recession. Violent crime, murder, every category of crime is down. http://www.reuters.com/article/idUSTRE60613K20100107

  116. Veto That says:

    I have also heard about shiller talking about innovation to combat home price volatility, like making the mortgage apply to the owner and not the house, etc.

    Personally if the FDIC guarantees a min price level of homes i would prob sign a contract immediately.

  117. Veto That says:

    Celeste is entertaining but he was wrong about a few things, particularly the commercial mortgage collapse in 2009.

    Like almost all of us, he didnt account for all the govt intervention.

  118. brewcrew says:

    Veto,

    Prove me wrong.

  119. Veto That says:

    he may still be right about a deep depression though.

  120. Veto That says:

    “Prove me wrong.”

    Brew, Hyde’s post at 101 already proves you wrong. im not going to repeat him.
    Are you disagreeing with him?

    You say the new terms only apply to TX,
    If so, show us where it says that. Here is the disclosure.

    https://online.citibank.com/JRS/popups/ao/Client_Manual_20091228.pdf

  121. hey this blog is great. I’m glad I came by this blog. Maybe I can contribute in the near future. PM ME on Yahoo AmandaLovesYou702 Thank you day641

  122. Mr Hyde says:

    Schump

    don’t forget the silver.

    Gold coins, even in 1/10 oz are too large for small transactions. But silver can fill that gap nicely

  123. Mr Hyde says:

    Veto 123

    more innovation? “liquidate” shiller immediatly.

  124. Mr Hyde says:

    Sherley

    How YOU doin baby??????

    ;)

  125. willwork4beer says:

    Hyde

    Amanda loves you, you big lug.

  126. safeashouses says:

    You guys are too negative. As long as you have a warm place to sleep, food to eat, and clothes to wear you should be happy. You’re better off than 90% of the other people on this rock.

  127. Schumpeter says:

    plg (122)-

    You do with less. Don’t impose your poverty of mind and resource on me.

  128. relo says:

    122, 134: Kumbaya.

  129. Veto That says:

    Safe, you are being sensitive. these quotes from clot today are not that negative…

    “We are in a depression, and the situation is actually worse than the ’30s. There will probably never be a legitimate, functioning RE market again in our lifetimes.

    Gerald Celente is too conservative in his predictions.

    My prediction is that close to 90% of all homebuyers from 07-10 will default on their mortgages, which will lead to a final, cataclysmic collapse of the entire US economy.”

  130. safeashouses says:

    #137 Veto,

    Sensitive? Who told you I cry when I watch Oprah?

  131. relo says:

    122: The town we used to live in never had any crime reported. It was idyllic. Then I talked to a few cops. Interestingly, they had a different perspective.

  132. Veto That says:

    plg, a cousin of mine was a 15 yr army ranger. He got hurt jumping out of an airplane and his military career is over. collects pension now but has managed to get on the nyc police dept.
    He told me point blank that over the last two years nyc is minimizing all the crime statistics. They write every incident down a notch or sometimes two now.
    Jails wdont have enough room to support the crime wave that would compliment a great depression. remember charles bronson movies? that will be hoboken. camden will be more like afghanistan with all the road side bombs on the bike trail.

  133. Veto That says:

    “Who told you I cry when I watch Oprah?”

    tears of joy? lol.

  134. Mr Hyde says:

    Veto

    but think of all the juicy nobid government contracts to be had in building and running new prisons!!!

    I going long corrections

  135. Veto That says:

    “think of all the juicy nobid government contracts to be had in building and running new prisons!!!”

    Ket, they will succumb to the tax revolts after the public learns what it costs per year to house a prisoner.

  136. Veto That says:

    Question.
    Is this Dr Jonathan Zizmore from the NYC subway ads?…

    http://ashulkina.lnfre.com/About-Me.aspx

  137. New in NJ says:

    This is a little heavy for the weekend, and it might even have been posted earlier… I was pretty busy (and cold) in Edmonton earlier this week. It’s worth reading.

    http://tinyurl.com/threatened-middle-class

    The Economic Elite Have Engineered an Extraordinary Coup, Threatening the Very Existence of the Middle Class

    The economic elite have robbed us all. The amount of suffering in the United States of America is literally a crime against humanity.

  138. confused in NJ says:

    114.New in NJ says:
    February 20, 2010 at 5:29 pm
    confused 113-

    Where does the constitution say that it applies only to American Citizens and no one else?

    Take a look at the following link. The starting point for Constitutions are the State Constitutions;

    http://www.originalintent.org/edu/constitutions.php

    Remember though, the founding fathers when they did things in the name of “We The People”, only understood “We The People” as the Americans not including Indians, and even though certain Supreme Court Justices prefer to use Global ideas in reinterpreting the Constitution, the Founders never intended that.

  139. New in NJ says:

    confused 147 –

    In that case the constitution doesn’t apply to me either, because I am not a land owner. Land holding was also assumed to be a prerequisite for full protection by the framers.

  140. Mr Hyde says:

    PHILADELPHIA —  A Pennsylvania school district accused of secretly switching on laptop computer webcams inside students’ homes is under investigation by federal authorities, a law enforcement official with knowledge of the case told The Associated Press.

    The FBI will look into whether any federal wiretap or computer-intrusion laws were violated by Lower Merion School District officials, the official, who spoke on condition of anonymity because the official was not authorized to discuss the investigation, told the AP on Friday.

    http://www.foxnews.com/story/0,2933,587034,00.html?test=latestnews

  141. Mr Hyde says:

    If my son ever brings home a school laptop the harddrive is getting formatted

  142. Schumpeter says:

    Could somebody pull the Constitution out of the shredder?

    What? Too late?

    Okay.

  143. Hey Clot
    Do you know anything about Maryville TN?

  144. Schumpeter says:

    hyde (149)-

    The question is: who’s directing the school district’s surveillance of their students? Also, how many other students are under surveillance, and what is the profile that triggers the surveillance?

  145. Schumpeter says:

    lost (152)-

    Sort of a big small town in E Tennessee. Lots of beauty queens and UT cheerleaders. Guys are deer-hunting, NASCAR types.

    The reputation has always been that it’s a step above your basic redneck jerkwater.

  146. Veto That says:

    East Windsor.
    4bed 3 bath
    Bought for 320 in Jan 2003.
    Asking 345K now.
    http://www.forsalebyowner.com/listing/C0FD1

    Thats some pretty nice pricing. Looks like east windsor is pushing 2002 pricing. case shiller will figure this out 6 months from now.

  147. Clot

    Not my cup of tea but I’m amazed at 400K can get there.

  148. safeashouses says:

    This Old House went on a foreclosure tour in Coral Gables, FL and is showing a foreclosure in Boston getting renovated.

  149. brewcrew says:

    Veto, #155

    The current owners need to relocate to California…they have every bit of motivation to unload the house quickly (read: low price, and going lower).

  150. Barbara says:

    AH HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHA

    its funny

    http://www.realtor.com/realestateandhomes-detail/New-Brunswick_NJ_08901_1116040146

    look at that interior design, like a 1998 Ramada suite.

  151. Veto That says:

    “low price, and going lower”

    brew, for $10k in taxes and neighbors who drive low-riders, they can call me when $200k sounds interesting to them.

  152. Veto That says:

    Barb.
    I like the Borgata suite.
    Plus the write up says million $ views and they are only asking $899k.
    Opportuni-teeeeeeee….

  153. Schumpeter says:

    lost (156)-

    You should take 400K and get into the meth business there.

  154. renter says:

    http://www.nytimes.com/2010/02/21/business/economy/21unemployed.html

    The New Poor
    Millions of Unemployed Face Years Without Jobs

  155. Schumpeter says:

    Barb (159)-

    899K in N Brunswick? I could buy a whole block of illegal multi-families and become king of the slumlords.

    Which I would rather do than buy that hotel suite.

  156. Barbara says:

    million dollar views of…..the filthy Raritan, our last standing project, and the barrios.

  157. Schumpeter says:

    Hey, but they had to expand what was a perfectly good football stadium.

  158. Schumpeter says:

    What happens to a school like Rutgers, where another 1-10 football season could actually bring down the whole house of cards?

    I guess that’s why God gave us steroids and recruiting violations.

  159. Barbara says:

    schumpter, you’ll need to speak espanol and have a strong stomach for rotting animal carcasses and graffiti.

  160. Mr Hyde says:

    Schump

    who’s watching? Is a a very good question. Want to bet it goes beyond the school admin?

    Ask SAS

    but what do I know? I’m just a janitor.

  161. Mr Hyde says:

    Of course this will end at the school admin

  162. Now what the hell did I say that got me moderated? Damn. You should see what happens when I’m a bad mood.

  163. Mr Hyde says:

    Schump

    the string of bubbles set to burst over the next decade is an epic firewokrs display in honor of the fallen American empire

  164. brewcrew says:

    Shump, I can see you’ve already made up your mind on the State University football team, and are not even half informed, but nobody will ever get you to change your decision. Too bad, if you ever took in a game you might enjoy yourself.

  165. brewcrew says:

    Going along your line of thinking, an 11-0 season could initiate another round of expansion. I bet that would really chap your hide.

    You’re probably one of the complainers who think nobody goes to the games, then complains if they get stuck in traffic on gameday.

  166. Barbara says:

    will keep mouth shut….will keep mouth shut…..will keep mouth shut…..

  167. I really like when people are expressing their opinion and thought. So I like the way you are writing

  168. frank says:

    “Millions of Unemployed Face Years Without Jobs”

    Pick up your bags and move, don’t be lazy, Mexico has 4% UR, Australia is looking for people, China has plenty of jobs, if you can’t make it here, move where the jobs are. It’s simple.

  169. Stu says:

    If anyone is interested, went to Rasoi (edison) for lunch buffet and it was pretty damn good. Would definitely recommend it.

  170. cobbler says:

    Had been at a trade show in SF for 3 days. Attendance clearly much worse than back in 2007 (probably, a third fewer people; also, the company that used to buy 3-4 booths now have 1 or 2). OTOH, definitely seems way livelier than last February when the gloom was so dense you could almost touch it. Some vendors wouldn’t yield at all on price/terms, say they are overbooked. Others, not so. Scottish business development authority ran an extremely well attended single malt tasting event on Wednesday. Mmmmm…

  171. Barbara says:

    brown and yellow as interior decorating color scheme: FAIL.

    http://www.zillow.com/homedetails/194-Grove-St-Montclair-NJ-07042/2134629640_zpid/#

    click the kitchen. Cute how they tried to update the formica wood with the 1920s SS half moon pulls.

  172. Al "The Thermostat" Gore says:

    134.

    Until the big black boot ends up in your @ss and your getting loaded up on a flat bed headed to Ft. Dix.

  173. leftwing says:

    “The Economic Elite Have Engineered an Extraordinary Coup, Threatening the Very Existence of the Middle Class”

    Uhm….47 million ‘taxpayers’ last year filed a return and paid no taxes or received net funds, mostly as a result of programs like the EITC.

    You’re right, the 1% economic elite have discovered alchemy, exploiting the productive efforts of 47 million people who contribute so little to society that they can’t even be taxed.

    If the rungs are being pulled out from beneath you, look down the economic ladder, not up.

  174. Schumpeter says:

    brew (173)-

    I can’t stand throwball.

  175. Schumpeter says:

    How is it in any way prudent to attempt to use massive spending on football and the expansion of what was already a perfectly good stadium to enhance the “prestige” of a school that didn’t have a prestige problem to begin with?

    Now we are stuck with a giant construction bill, a coach who is NJ’s highest-paid employee, an athletic department that dominates the school (or, tried to) and a modest rise in applications to a school that would’ve seen the extra interest anyway, as it’s cheaper than out-of-state options for NJ students.

    What happens when Schiano leaves? What happens when the next 1-10 season hits?

  176. Schumpeter says:

    Why doesn’t Rutgers do something really creative and use that stadium for bear-baiting, chariot races and rollerball to draw more attention and interest?

  177. Cindy says:

    http://www.nytimes.com/2010/02/21/business/economy/21unemployed.html?pagewanted=1&em

    “Millions of Unemployed Face Years Without Jobs” The New Poor

    “American business is about maximizing shareholder value,” said Allen Sinai, chief global economist at the research firm Decision Economics. “You basically don’t want workers. You hire less, and you try to find capital equipment to replace them.”

    “Traditionally, three sectors have led the way out of recessions: automobiles, home building and banking.”

  178. Schumpeter says:

    Shore (186)-

    Feh. Wake me up when guys like this decide to do something about it.

  179. Schumpeter says:

    Go to your local town council or school board meeting. They’re still spending you into oblivion, just like it’s 2005.

    Try telling them everybody’s broke, that there’s no more money. They just look at you like puzzled dogs.

    These people aren’t gonna stop until they’re behind bars or put in front of a wall.

  180. Schumpeter says:

    110 applicants last month for a part-time, non-bennie teacher aide position in my district.

    No problems here.

  181. freedy says:

    spoke to a guy yesterday with the MTA,
    they really don’t understand that their is no money left . complaining about project
    being placed on hold.

  182. Mr Hyde says:

    Cindy

    I have a friend who has been through 4 jobs in 3 years. He keeps getting laid off. He’s also an older boomer and no one wants to hire and old boomer when they can get the younger guys at the same price or cheaper.

    Short of being a walmart greeter he is probably close to unemployable in this market even thought he has a great background in his field and is willing to take whatever income he can get

  183. freedy says:

    when does the civil unrest start?
    or are we to lazy

  184. Cindy says:

    192 – Kettle

    http://www.financialarmageddon.com/2010/02/until-its-too-late.html

    In one of these unemployment articles, they say it will take five years to recover to somewhat normal levels of employment.

    My district is looking at a five-year plan for recovery as well.

    The plan anyway is:

    2015-2016 – To have replaced the pay cuts and furlough days. So no increases – no COLA for 10 years: 2005 – 2015.

    2016 – I will be 67. Retired ? I am very thankful I have a job just now. Otherwise, I would probably be unemployable as well.

    But that woman @ 187 must learn how to cook pinto beans. Give me a break.

  185. Yikes says:

    Qwerty says:
    February 20, 2010 at 4:05 pm

    Rest assured, the moment our enemies obtain a nuclear weapon, they will drive it straight into Times Square and detonate without the slightest hesitation.

    What’s the kill radius on this sort of situation? 50 miles? 100?

  186. Mr Hyde says:

    Yikes 195

    10 miles??? NO WAY

    There are 2 main scenario’s here. the first is that a rouge group gets a hold of a russian warhead. The second is that they get enough nuclear material to build one of their own, albiet a crude one.

    The average russian warhead is 400 Kilotons.

    lets assume that is the worst case and that it was detonated in the middle downtown manhatten.

    The 100% kill radius is probably only 3 miles. beyond that lethality from the initial blast drops off exponenitally. AT 5 miles you should be able to survive the intiail blast if you have basic cover. This is only the initial blast effects (thermal and nuclear effects). The resulting fallout is a different story and would propmtly cover s swath of land from nyc to boston in potentially lethal levels of fallout.

    ALso consider that if this was a ground blast, the intiail blast would be atteuated somewhat due to the high density of buildings in NYC as well as the ground itself absording a fair amount of the blast.

    here is the likely damage from a russian warhead.
    http://meyerweb.com/eric/tools/gmap/hydesim.html?ll=-73.9971,40.7223&yd=400

  187. Mr Hyde says:

    Yikes,

    now for some math

    Assume the 100% kill radius is 3 miles. The population density of manhatten is about 70,000 people/sq mi

    the area of a circle = piR^2

    3.14*9 = 28 sq miles.

    Now lets be conservative and say 50% of that is over water and hence a0 population density.

    The 100% kill area is then likely to see a casualties on the order of about 1 million deaths ust fromt he immediate bast effects. probably another million or so later ondue to injuries and radiation effects

  188. House Whine says:

    194- Cindy. I think that the woman is the one who needs the break!! She seems to be trying to make the best of a bad situation. SHe’s trying to be appreciative of the help she is receiving and trying to make a go of it. Let’s stop hammering away at the people who are lower down on the ladder. They need a hand up, not more criticism. I know you are usually one of the more reasonable people on this forum but please let’s be charitable to those who need it the most. Thanks.

  189. Essex says:

    I want more bonuses for the bankers. My god haven’t they been through enough?

  190. Mikinwaiting says:

    Ket, wake-up grab my coffee & nuc blast charts. It’s going to be a great day.

  191. Mr Hyde says:

    Cindy,

    Here are some of my unemployment projections from last spring. Thi is an updated version of what wired magazine picked up

    http://www.scribd.com/full/19872781?access_key=key-16rogj2zgqxjdnjdsnbg

  192. Mr Hyde says:

    Mike,

    Dont worry. you will either be well out of harms way from an NYC blast or you will instantly vaporized when russia or china strike a certain set of sattelite relay stations in your backyard.

  193. Mr Hyde says:

    Cindy

    Just for fun take a look at this, one of my original unemployment projections:

    http://www.scribd.com/doc/15111610/Refined-Projections-for-unemployment?secret_password=1th03ofr2citj71q29nn

    notice page 4 and then take a look at the chart you linked at #196

  194. Cindy says:

    200 House –

    Of course she needs a break and we absolutely need to be charitable to others – I hope I am.

    “Let’s stop hammering away at the people who are lower down on the ladder.” Oh really? I’m “hammering” on someone lower down the ladder? I can’t afford $1,380 a month for rent and I AM cooking pinto beans.

    I am lucky to have a job and I am sorry for those who don’t. These folks receive a disability check, their daughter receives disability and they were getting unemployment. Hopefully the taxes I pay are helping them.

  195. Cindy says:

    205 – Thanks Kettle – very cool.

  196. 3b says:

    #187 But frank says buy a house now or be priced out forever.

  197. 3b says:

    #189 I say that all the time, with the exception of you, myself, stu and gator, I do not think anyone else here has gone to any of these meetings.

    Well I say again, go, and look, listen, and, see, than come back and talk to be about blue ribbbon, and so called better towns. It is a mirage.

    This is how it works, take good town, pump it further, by spending massive amounts on refernedum.construction spending. Rally all to approve this spending, as it is for the children, drive up property taxes into the double
    digits. Than when last kid is done in high school, sell and get out. The cheerleaders do this all the time.

    The legacy for the next generation, is 50 and 60 year old houses with 12k tax bills, but hey we did it for you!!!

  198. renter says:

    http://www.educationnews.org/ed_reports/53457.html

    Skydiving without Parachutes

    by Barry Garelick

    “In fact, the court did not rule on the textbook or curriculum. Rather, it ruled on the school board’s process of decision making—more accurately, the lack thereof. The court ordered the school board to revisit the decision. Judge Julie Spector found that the school board ignored key evidence—like the declaration from the state’s Board of Education that the discovery math series under consideration was “mathematically unsound”, the state Office of the Superintendent of Public Instruction not recommending the curriculum and last but not least, information given to the board by citizens in public testimony.

    The decision is an important one because it highlights what parents have known for a long time: School boards generally do what they want to do, evidence be damned. Discovery type math programs are adopted despite parent protests, despite evidence of experts and—judging by the case in Seattle—despite findings from the State Board of Education and the Superintendent of Public Instruction.”

  199. 3b says:

    gary help me out here. I am doing a property tax comparison,and it appears taxes on comparable houses in Ridgewood are less than in River Edge. Something wrong when taxes in Ridgewood are lower than River Edge.

  200. Shore Guy says:

    “the declaration from the states Board of Education that the discovery math series under consideration was mathematically unsound”

    What the heck is it with people not knowing the difference between plurals, possessives, and plural possessives? First we had the Montclair superintendent of schools talking about the “governors budget” instead of the “governor’s budget” and here we have “states ” instead os “state’s.” Of course “state’s” could be states’ if they were talking about “boards,” but they were not.

    Funny how this shows up in stories about education.

  201. House Whine says:

    206- Cindy – Okay, understood. Maybe I am just a wee bit sensitive to this whole unemployment debacle.

  202. 3b says:

    Listened to a friend have a discussion about house prices the other day. Long time real estate bull, who has finally admitted that yes prices have gone down, but people should still buy,and not worry about prices. Because as long as you stay for a long time, it really does not matter what price you pay for a house.

    This from a person who on paper at least should no better than making such a statement. I of course remained silent.

  203. chicagofinance says:

    strump: call it as it is; they know what they are doing, they are just doing the best that they can to look clueless; they are of the same motivation as the bankers…that being keep siphoning as much as possible while the water flows, because once the tap is turned off, it will be a long time before the opportunity arises again; in the same vein, the worst damage is going to be inflicted by these guys in the final 12-24 months of this nonsense as they try to beat the horse to death…..

    189.Schumpeter says:
    February 21, 2010 at 8:01 am
    Go to your local town council or school board meeting. They’re still spending you into oblivion, just like it’s 2005.

    Try telling them everybody’s broke, that there’s no more money. They just look at you like puzzled dogs.

    These people aren’t gonna stop until they’re behind bars or put in front of a wall.

  204. jamil says:

    shore, thank god Nagasaki and Hiroshima were not villages, or Truman wasn’t a republican.

  205. renter says:

    http://www.trulia.com/property/42662795-25-Princeton-Ave-Hopewell-NJ-08525

    I think this house is so cute but the price is astronomical. My realtor said “it looks well priced to me.”

    Thoughts from the board?

  206. Cindy says:

    http://www.rollingstone.com/politics/story/32255149/wall_streets_bailout_hustle

    Chicago – Did you read this? I thought I saw John’s bond philosophy in there somewhere.

  207. Essex says:

    217. Me likey.

  208. Mikinwaiting says:

    renter 217 Like the house also, people have good taste. 465 is another matter, don’t know the market in that area but off the cuff noway at that price, try 365.
    taxes?

  209. Mikinwaiting says:

    Ket 204 I am aware of them , we have a big red bulls-eye painted on us.

  210. Cindy says:

    217 – renter

    Does that say last sold 12/22/08 for $192,925? That is some flip.

    $272,075 in renovations.

  211. renter says:

    It looks like they are trying to flip it. The taxes reflect the last sale price.

    Last sale and tax info

    Sold 12/22/2008:
    $192,925
    2009 Property Tax:
    $6,938

  212. renter says:

    #217
    They will make a handsome profit if they find the “right buyer.”

  213. crossroads says:

    oops sorry for the duplicate

  214. Essex says:

    217. You should always trust the Realtor.

  215. Mikinwaiting says:

    renter $6,938 taxes not bad.Still way to high.

  216. New in NJ says:

    Gotta love Scott Adams.

    From his blog

    http://dilbert.com/blog/entry/shiny_objects/

    If things go so badly that the S&P 500 becomes permanently worthless, I have a hard time believing that the people who own gold will rule the world. I think it’s more likely that the people who own steel that is conveniently shaped like guns will control everything, including all of the shiny rocks. At that point, the new currency will be something along the lines of “Wash my car and I won’t shoot you in the leg.”

  217. Barbara says:

    who would want to survive a nuke only to watch your children slowly die or become orphaned? I’d rather lay right on top of the thing. Some things are worse than dying.
    Going snow tubing today in PA! Have great one.

  218. Barbara says:

    217. renter
    too much for that lot.

  219. lisoosh says:

    renter – it is nice, not overdone. Barbara’s right about the lot, really small. It’s a “Hopewell premium” because we all like overpaying for non-commute towns near rich people.
    Overpriced. Maybe the $192 was a friendly deal though, sounds low for the area in 2008.

  220. lisoosh says:

    House near me has been on the market for 2 years, BADLY overpriced. Old ranch, big ugly addition, very much built for the last resident’s taste and needs.

    Anyhoo, they advertised an estate sale so I dropped in. Old pieces of cr@p furniture asking maybe $100 less than you could buy new at Bob’s down the road. Delusional beyond compare.

    Heard wife complaining on the phone that there’s traffic (but not enough) but no sales. “Perhaps we ought to reduce the prices a little?”.

    Ya Think?

  221. lisoosh says:

    Barbara 229 – spot on. If we enter WWIII I’m heading straight for Times Square.

  222. renter says:

    230
    My first thought.
    231
    Hopewell is completely out of the way.

    Thank you

  223. willwork4beer says:

    # 217/231

    Renter, I think lisoosh is probably right about the 2008 sale. I’ll bet it was in the family, maybe to settle an estate.

    In any case, its overpriced at 465K, IMO. Princeton Avenue is a very busy street. Its one of the main drags into Princeton (becomes Carter Rd.) and gets tons of PA commuters trying to avoid the 295 & Route 1 mess into that area.

  224. willwork4beer says:

    OTOH, there is a Lotus dealership a block away, if that’s your thing…

  225. 3b says:

    #215 You may think so. But I am telling you many of them are scary cluless. You have no idea. I speak from years of experience.

  226. Al "The Thermostat" Gore says:

    Realtors have to understand whats in this video. Are you a world citizen? The goal is to have people living along train tracks in stackable housing. Only after a 85% population reduction. Its late in the game. Christies elimination of COAH (public private partnership) is a major blow to the globalists.

    UN Agenda 21.

    Freedom Festival II – Guest Speaker Michael Shaw presents how United Nations policy is adversely affecting land use, property rights, environmental policy and education on the local level in the Spokane/Coeur d’Alene area and around the country.
    http://www.youtube.com/watch?v=IjA8Qz4daAY

  227. lose pounds says:

    Hi. I read a few of your other posts and wanted to know if you would be interested in exchanging blogroll links?

  228. lose pounds says:

    Great and very good topics chosen

  229. Veto That says:

    “after a 85% population reduction”

    al – is ‘population reduction’ explicitly worded anywhere in agenda 21? or is it spoken about in vague terms?

  230. Al "The Thermostat" Gore says:

    Hyde, thanks for info.

    Unfortunately, the only way to stop this agenda is via local action on the municipal and county level. School boards, planning boards, town meetings. Once we get these UN programs out of our towns we wont have to worry about the Fed. They can just be ignored.

    Problem is right now our public school kids are being trained in this UN world citizen garbage without the counterbalance of traditional Constitutional education.

    “Generally more educated people, who have higher incomes, consume more resources than poorly educated people. In this case, more education increases the threat to sustainability”

    Education for Sustainable Development

  231. Al "The Thermostat" Gore says:

    241.

    Its purposefully vague but more importantly it is sold as something good so that it is accepted. For example,

    Environmentalism: We all want less pollution but their goal is to control the land and water supply. The central valley of California is a great example.

    Reproductive healthcare for women: They actually want to make them sterile.

    “”… population growth rates have been declining globally, largely as a result of expanded basic education and health care. That trend is projected to lead to a stable world population in the middle of the twenty-first century… The current decline in population growth rates must be further promoted through national and international policies that promote economic development, social development, environmental protection, and poverty eradication, particularly the further expansion of basic education, with full and equal access for girls and women, and health care, including reproductive health care, including both family planning and sexual health, consistent with the report of the International Conference on Population and Development.— UN document S/19-2. Programme for the Further Implementation of Agenda 21 ”

    The UN is full of Eugenecists.

  232. willwork4beer says:

    Renter,

    Had to be out that way, so I drove by that house in Hopewell Boro. Its next door to the elementary school.

    I suppose that’s either a good thing or a bad thing, depending on your situation.

  233. cobbler says:

    Could anyone explain how the bots (a) find this blog and (b) how do they post without (I assume) registering?

  234. Al "The Thermostat" Gore says:

    Veto,

    This is for you. Interesting isnt it?

    Iraq war to be rebranded ‘Operation New Dawn’
    (AFP) – 2 days ago

    WASHINGTON — President Barack Obama’s administration plans to rebrand its military operation in Iraq “Operation New Dawn,” beginning September 1, a Pentagon memorandum shows.

    The memo, signed by US Defense Secretary Robert Gates, shows the Pentagon approving a request to switch the name of the US military effort in Iraq from its current designation — “Operation Iraqi Freedom.”
    http://www.google.com/hostednews/afp/article/ALeqM5g1Bg95t6yV42auorK9zui8XPe6Pg

  235. Al "The Thermostat" Gore says:

    Man some good interesting news today. Check out this 7.25 million compound.

    Features:
    6 car garage big enough to handle armored vehicles.
    Comprehensive surveillance
    2 panic rooms and a engineered safe core
    Semi automatic weaponry that can be controlled from the panic room
    Extra room for refugees
    Heliport for evacuation
    http://finance.yahoo.com/real-estate/article/108875/is-this-the-safest-house-in-the-world

  236. Veto That says:

    243 – i kindof agree with the elimination of some of the population, especially if it happens over a longer period of time and uses taxes and other civilized and rational methods as incentive.

    but if not, camden newark and paterson should be the first to go. would help nj lower taxes too. lol.

  237. Veto That says:

    Al – whats the new mission? The first one was for oil, now what do they want? the gold? ha.

    I’m really hoping when we finally get this un global govt up and running that war will be useless and we can incinerate all the nuke war heads.

  238. lisoosh says:

    Sign of the times?

    My daughter comes home with a birthday party invitation to one of those places with bouncy inflatables, slides etc.

    Attached to the invitation is a waiver that must be signed to participate (from the location, not the birthday child).

    Cheaper insurance rates the reason for this?

  239. Fiddy Cents on the Dollar says:

    3b :211 from this morning….

    You asked about taxes on similar homes in Ridgewood vs River Edge, with Ridgewood being lower.

    Could be due to any number of things. Most of the RE Taxes go to the school system. What’s the total number of students in public schools ? How many school buildings are there ?

    Ridgewood has a population of 24,163 and 8,802 housing units. River Edge has a pop of 10,721 with 4,210 housing units. More homes could account for the difference.

    Ridgewood just re-assessed in 2008 (I think). Could be that River Edge is out of sync.

    Is the difference you’re seeing a significant one ? Are the homes in your comparison truly comparable ?

    It’s an interesting point to consider, though.

  240. Mr (illuminati) Hyde says:

    Al,

    Let me play devils advocate for a moment.

    Lets assume I am Mr Anglo Illuminati and that you have correctly described my organization’s overall plans. Are these plans really so bad?

    As a species, we are rapidly overpopulating the planet and consuming our natural resources like a biblical horde of locusts. Those exhibiting the better traits within our species seem to be greatly outnumber and out bred by those who exhibit the less desirable traits in our species. From a long term species centric point of view, would it not make sense to minimize those propagating the less desirable traits and therefore maximize the long term potential of the human race?

    Now of course those who currently run the show as well as joe sixpack may not be so very enthusiastic about this long view, but should we be even slightly concerned with their opinion on this matter when our long term goal will be the advancement of the human race beyond vaguely conscious cattle. Our goal is the pinnacle of human evolution.

  241. 3b says:

    #251 Is the difference you’re seeing a significant one ? Are the homes in your comparison truly comparable ?

    Yes to both questions. Ridgewood taxes were always higher (River Edge did their re-val in 2005) Now it is the reverse, as we spent ourselves into oblivion.

  242. Essex says:

    252. A little Eugenics on a Sunday afternoon.

    Some nice Hockey today.

  243. jamil says:

    53 shore: “last year that he committed “intentional professional misconduct” when he advised the CIA it could proceed ”

    Sometime I feel that debating a liberal is like debating with a 4-year old, except in your case, like a 3-year old.

    Let’s see. First, your claim from Obamaweek, is patently false. In fact, the lengthy DOJ “investigation” concluded the exact opposite: It concluded that Yoo did not do anything wrong. (Another issue is that after the elections, criminal investigation must be launched against politized DOJ and the lawyers who carried out the political witch-hunt).

    I know people at Obamaweek believe that world started when Obama got elected, but have they ever heard of village called Hiroshima?

    Constitution gives Commander-in-chief the power to invade Canada, raid villages(see Obama’s policy in Afghanistan and Harry Truman in the Pacific)

    Apart from jihadis, delusional people, full of hatred, like Shore are the biggest threat to this country.

  244. Fiddy Cents on the Dollar says:

    3b —

    I’m assuming by your comments about spending that you live in River Edge.

    Have you built any new schools lately….that’s usually a big budget item.

    Had any Police Chiefs or School Superintendents retire with a huge amount of unused sick days ?

  245. d2b says:

    218 Cindy-
    Shit like that make me want to pull my very own freedy. Why not cash advance the credit cards, put it all in high risk options, and bail if it fails? Unlike Freedy, I assure you that if I did put the screws to the banks, I would tell nobody.

  246. Veto That says:

    Hyde, Al,
    Another benefit of reducing 80% of the population is that real estate prices would crash down to 1940s levels.

    Plus we are saving animals.

    To me the whole plan is a win win.

  247. Mr Hyde says:

    AL

    Enjoy

    From Science magazine:

    “Food Security: The Challenge of Feeding 9 Billion People

    A threefold challenge now faces the world: Match the rapidly changing demand for food from a larger and more affluent population to its supply; do so in ways that are environmentally and socially sustainable; and ensure that the world’s poorest people are no longer hungry. This challenge requires changes in the way food is produced, stored, processed, distributed, and accessed that are as radical as those that occurred during the 18th- and 19th-century Industrial and Agricultural Revolutions and the 20th-century Green Revolution. Increases in production will have an important part to play, but they will be constrained as never before by the finite resources provided by Earth’s lands, oceans, and atmosphere. …

    Recent studies suggest that the world will need 70 to 100% more food by 2050. In this article, major strategies for contributing to the challenge of feeding 9 billion people, including the most disadvantaged, are explored. Particular emphasis is given to sustainability, as well as to the combined role of the natural and social sciences in analyzing and addressing the challenge.

    http://www.sciencemag.org/cgi/content/full/327/5967/812

  248. Al "The Thermostat" Gore says:

    252.

    Most people consider themselves part of the elite but they arent. Even if you were to survive the depopulation you would live like a slave. Think Pyongyang and see how those people live. And most peoples faith would not be compatible with an RFID chip in their hand.

    I believe that there is technology available that could end our need for fossil fuels by and large. So what resources are in short supply? Food? Just grow a garden and irrigate the desert.

    I also believe that population will eventually stabilize on its own.

  249. Mr Hyde says:

    Al

    So to increase the human population by 30% to 9 billion, we need a 100% increase in food production…

  250. Al "The Thermostat" Gore says:

    259.

    So why turn the water off to the Central Valley farmers in California? Need food? grow it. They have no intention of feeding the poor. Look at Africa.

  251. Mr Hyde says:

    Veto, Al

    That not my actual position on the illuminati, just playing devils advocate

  252. jamil says:

    260:
    “I also believe that population will eventually stabilize on its own.”

    Yes, and it does not work, the scientific advisors for the President of the United States are on the record talking about forced abortions and the need to actively reduce the population.

  253. Comrade Nom Deplume says:

    [259] hyde

    100% increase? Will need more arable land.

    More reason than ever for having a Nompound or two.

  254. Comrade Nom Deplume says:

    [247] al

    I predict that security and survivability features will be incorporated into newer houses, along with green tech.

    Green and security are the new stainless and granite.

    [250] lisoosh

    Hopefully, this doesn’t come as a surprise? We as americans wanted what P.J. O’Rourke called “the wiffle life” but the fact remains that life has bumps and bruises, and those who bear the brunt of the Nanny state are those in commerce. This is a natural reaction.

    As in physics, commerce and economics incorporates Newton’s 3rd law of motion. This is but a small example.

  255. Comrade Nom Deplume says:

    [54, 55]

    That snippet from Yoo’s analysis is probably correct. I am not aware of any constitutional restraint on the warmaking capacity of the Commander in Chief. Nor am I aware of any restraints imposed under federal law.

    That said, under international conventions, he could conceivably be tried for war crimes. Whether or not Yoo addressed that aspect remains to be seen (he may well have said, Mr. President, you can act under our law but not under international law, so don’t do it, but without eyeballing the memos myself, I doubt I’d take Chris Matthew’s word for it).

  256. Mr Hyde says:

    Nom,

    The outlook at the moment is for the world population to be between 9-10 billion by 2040. the US is expected to increase its population by about 100 million

  257. Mr Hyde says:

    Of course that doesnt includes Al’s WWIII

  258. yo'me says:

    Yes, and it does not work, the scientific advisors for the President of the United States are on the record talking about forced abortions and the need to actively reduce the population

    People are living longer.Stop research of prolonging life.Birth rate is under control.Longevity is the problem.

  259. Mr hyde says:

    Yome,

    .Birth rate is under control

    not really. The poorest parts of the world are still reproducing at way above stable/replacement rates.

    Parts of the 1st world are at replacement/stable reproduction rates but that is only a small portion of the global population.

    The other issue is that with 7 billion people on the planet, even a 1% growth rate is a HUGE #

  260. Mr hyde says:

    Nom,

    Now here ismy idea of a garage /basement project!

    http://hackaday.com/2010/02/19/basement-fusion-reactor/

  261. Al "The Thermostat" Gore says:

    Id like to get some feedback on this scenario regarding debt and currencies.

    A meeting will be held similiar to the one in the Artic they has a couple of weeks ago.

    The will revalue and devalue currencies against eachother. There will be a debt moratorium and default. 2/3 of the debt will be written off between countries and 1/3 will have to be paid. The US will devalue its currency by 30-50%. The EURO will break up with some nations going back to their currencies. This will be followed by a severe deflationary depression.

  262. gary says:

    I went to an Open House in Wyckoff simply because I was driving by and saw the sign. The house was a cape, dormered on the back. Everything was original from the 50s and in real sh1tty condition. The only thing that was updated was the roof and probably due to the fact that the shingles were sliding off the f*cking place and they didn’t have a choice. Asking Price: $479,000.

    I can’t even work up a lather over this sh1t anymore. I don’t blame the realtors and the sellers any longer, I blame the f*cking id1ots who actually “negotiate” a price and buy these f*cking rat holes. This, despite me being a long time homeowner. The bottom line is I simply cannot tolerate ignorance.

    The house needs at least $100,000 to get it up to living standards as the pink, crumbling bathroom and green, sh1t-stained bedrooms are simply not liveable in their current condition. This… labeled as a f*cking starter home… at 479K plus the additional money needed to make it a “home” and we are talking about dishing out $200,000 and then paying $3000/month just to open the front door every day. What f*cking audicity.

    And don’t tell me about the haughty school system; it’s the same books, same teachers and some opportunity as any school in Passaic. The only difference is Upper Haughtyville has all white kids and the other school doesn’t. The “star” rating and the “blue ribbon” monicker is a bullsh1t selling feature. Case closed.

  263. Yeah you tell em Gary. Missed you! :)

  264. Morpheus says:

    Hey Jamil:
    Is the KKK still dead? Just wondering.

  265. Yikes says:

    plg says:
    February 20, 2010 at 6:26 pm

    However, what I find interesting is that, in almost every category, crime rates are down, despite the recession. Violent crime, murder, every category of crime is down. http://www.reuters.com/article/idUSTRE60613K20100107

    calm before the storm? will this story change in the summer?

    all i know is that im glad im not close (10-20 miles) from any major city.

  266. gary says:

    lost,

    Gary is always lurking… :)

  267. jamil says:

    from prev thread:
    Stu:

    “Someone just told me that a teabagger was flying that plane in Austin.
    Oh Jamil, please tell me it’s just the MSM making it up.”

    Ah, State Media at work. Note how the State Media started the (false) meme immmediately. If it fits the narrative, it can be printed. Never mind, the marxist, anti-capitalist suicide note.

    You just proved the case. When some leftist kill somebody, it is State Secret and never mentioned (see, fo example, Anthrax killer, or that white AL professor who killed the african-american professors).

  268. Gary we need a mini gtg I think.

  269. 3b says:

    #256 Yes we did (and we should not have). But at then end of the day taxes are now lower in Ridgewood on the same comprable house in River Edge. Never thought I would see the day.

  270. 3b says:

    #274 gary In my town we went from one of the lowest property tax towns in Bergen Co to one of the highest;in just a few short years.

  271. Yikes says:

    Veto That says:
    February 20, 2010 at 7:21 pm

    remember charles bronson movies? that will be hoboken. camden will be more like afghanistan with all the road side bombs on the bike trail.

    so in addition to kevlar, a handgun and a shotgun, you’re saying i need a tank?

    im actually thinking of leasing an SUV this summer (business expense!) for 30 months just in case the SHTF and I can have a big vehicle to haul stuff outta dodge

  272. Yikes says:

    #
    Barbara says:
    February 20, 2010 at 8:23 pm

    AH HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHA

    its funny

    http://www.realtor.com/realestateandhomes-detail/New-Brunswick_NJ_08901_1116040146

    look at that interior design, like a 1998 Ramada suite.

    THIS IS A CONDO?? a 3-3 condo for 899k? Can that even be close to correct?

    I wouldn’t pay half that (for the math challenged: 450). what a joke.

  273. Al "The Thermostat" Gore says:

    I can picture the starving masses pouring out of Irvington into Maplewood secondary to wild price increases for food. Those welfare checks wont buy those convenience store sandwiches for long.

  274. Yikes says:

    Schumpeter says:
    February 20, 2010 at 8:43 pm

    What happens to a school like Rutgers, where another 1-10 football season could actually bring down the whole house of cards?

    I guess that’s why God gave us steroids and recruiting violations.

    LMAO
    great stuff as usual, Clot.
    Schiano should have left 2 yrs ago when he had the chance. what a mistake

  275. Yikes says:

    renter says:
    February 21, 2010 at 12:04 pm

    It looks like they are trying to flip it. The taxes reflect the last sale price.

    Last sale and tax info

    Sold 12/22/2008:
    $192,925
    2009 Property Tax:
    $6,938

    my gosh.
    our place in Bucks County – nearly 3x the “sale” price, almost the same property taxes.

    i didnt click the link, but im sure the lot is a postage stamp.

    is there any end in sight to outrageous prop taxes in NJ???

  276. Veto That says:

    “2/3 of the debt will be written off between countries and 1/3 will have to be paid.”

    al, some type of agreement is plausible to me especially among our allies in eu and japan, etc. The only problem i see with your scenario is first you say there will be default and then you say they will agree to write down. this contradicts.

    If debtors and creditors agree to a cancel out eachother’s debt then there would not be default but that wont happen because most of our debt is owed to countries who dont have any debt of their own (like china) and they wouldnt agree to a negotiated write down – unless maybe we gave them some collateral to make them whole.
    But if not and we can’t pay, we will simply default and yes the dollar will take a huge hit.

    deflation will be the culprit of our debt problems imo. inflation would help our cause by pushing asset prices up and inflation also usually helps employment and it would obviously make our fixed rate debts smaller and more manageable even though overally our living standard would prob be diminished.

    Honestly, im not an intl macro economist so i dont really know but this topic interests me the most out of all the crap that is going on right now so im interested to find out how it plays out.

  277. willwork4beer says:

    287 Yikes

    The assessment on that house was close to double the sale price. I don’t know for sure, but I’ll bet that 192K was half of what an appraiser thought the house was worth in 2008. Maybe the 192K went to a family member for sole ownership of the house.

    As for postage stamp properties, its prestigious Hopewell Borough! Where the Lindbergh baby was kidnapped! (It was actually in East Amwell Twp, nearby, but the body was found in Hopewell). And its so close to Princeton. Which is practically bleeding wealth!!!

    /sarcasm

  278. cobbler says:

    veto [288]
    U.S. will only default on the existing (USD-denominated) debt if the Congress decides not to increase the borrowing limit at some point. Realistically, no government ever defaulted on its own currency debts. OTOH, if we are forced to issue debt in SDR, Euro, yen, RMB, rouble or whatever other currency we have a problem… I guess we’ll have to invade and occupy Canada then to get oil paid by USD…

  279. 3b says:

    #287 6,938.

    That number would be attractive in Bergen Co.

  280. renter says:

    289
    Even East Brunswick homes are marketed as “close to Princeton” which always makes me laugh.

  281. njescapee says:

    Jersey City honchos receive huge retirement payouts, and stay on payroll

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  282. dan says:

    Gary,

    The problem is how long can I keep my wife at bay from buying when the in-laws and their friends are wondering when we’re buying a house. And in a way, they’re right. Parents paid big for a wedding and we’re sitting on the cash from it in a TARP account.

  283. Al "The Thermostat" Gore says:

    294.

    Just rent. Pay off any other debt. Live way below your means. Do your best to preserve capital. Then buy pennies on the dollar.

  284. Outofstater says:

    #294 You should do what is right for you and your wife, regardless of what others may think. The amount of money your wedding cost and the amount you have in an account have nothing to do with it. And the in-laws and their friends should keep quiet too. It is a completely different economic world now and it’s really none of their business.

  285. Essex says:

    293…Gawd! What a gig, who knew??

  286. chicagofinance says:

    C: ignore….provocative, profane, and mostly someone self-stimulating in public….

    218.Cindy says:
    February 21, 2010 at 11:55 am
    http://www.rollingstone.com/politics/story/32255149/wall_streets_bailout_hustle

    Chicago – Did you read this? I thought I saw John’s bond philosophy in there somewhere.

  287. chicagofinance says:

    clot: the straw?

    He used to be the toast of the town, but now celebrity chef David Bouley’s once glittering culinary empire is awash in debt.

    The famed restaurateur is facing foreclosure on his $2.5 million TriBeCa condo and appears to be $80,436 in debt on his eponymous eatery in the same building, the Mohawk.

    Bouley bought the three-bedroom condo in 2007. He also purchased two units on the ground floor and moved Bouley restaurant there in 2008.

    He allegedly stopped paying the condo’s mortgage in February 2009, and in December, Bank of America started the foreclosure process in Manhattan Supreme Court.

    DAVID BOULEY — Facing condo foreclosureBouley owes $105,004 on a federal tax lien, according to a court document, and roughly $18,000 in outstanding state taxes, a state spokesman said.

    The 56-year-old chef insists he’s no deadbeat.

    According to his controller, Mark Stiel, Bouley was renegotiating his condo mortgage when they were blindsided by the Dec. 11 foreclosure filing.

    The debt on the retail units in the Mohawk building is part of a larger dispute with the landlord, who has allegedly failed to obtain a certificate of occupancy, Stiel said.

    The federal tax lien was canceled out by an incoming tax credit, Stiel added. He blamed a paperwork error for any outstanding state taxes, and said Bouley is repaying the debts.

  288. chicagofinance says:

    clot: once again, please do not enter Monmouth County airspace…as a favor to me…please

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  290. Schumpeter says:

    renter (217)-

    Total POS, given the location.

  291. Schumpeter says:

    After reading all the talk on the house in #217, please let my professional opinion be the kill shot.

    Anyone who touches this house at the asking is an anencephalitic moron.

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    “inflation would help our cause”

    Only if our budget is in balance or surplus. Until then, inflation would be a killer.

  293. Schumpeter says:

    Al (242)-

    Anytime you have enough people together to mount a serious attack on the UN, give me a ring. I’m in.

    That place is pure evil. We should send all those assholes home and drop the place like it was the Sands.

  294. Schumpeter says:

    I’d be willing to apologize for Colin Powell’s “Evidence” speech before we bring the place down, too.

  295. Schumpeter says:

    yikes (286)-

    My daughter may end up going to Rutgers & playing lacrosse there.

    She doesn’t want to, and I don’t want her to. But, the ride she gets may make it very, very cheap for moi.

    I keep getting the feeling that the whole school is on the brink.

  296. Schumpeter says:

    Then again, somebody at the UN could’ve stood up and called bullshit during Powell’s speech.

  297. lisoosh says:

    266- Nom, coming from a nation where people don’t try suing as a get rich option I agree that Americans are shockingly litigation happy.

    Never seen a waiver like that from any play place before (and have been to far to many parties). I just wanted to know if it would be to allow the owner to pay lower insurance premiums. I have a friend who owns a similar establishment and I know they don’t make that much money.

  298. Schumpeter says:

    chi (299)-

    I just got moderated for my expletive-laced response to that.

    I did end by saying part of Bouley’s punishment should be his getting surgically attached to Barry Wine at the p@nis.

  299. Schumpeter says:

    I take it back. Bouley should be locked in a room forever and forced to listen to Bernadette Peters records over and over.

  300. Schumpeter says:

    For relief- and on holidays- they could send vicious dogs into the room Bouley is locked into. Liven things up a bit.

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    Bouley couldn’t cook fast, even with vicious dogs biting his ass.

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