Fed: Housing markets appear to have softened in early 2010

From the Federal Reserve:

The Beige Book – Second District — New York

The Second District’s economy has shown some further signs of strengthening since the last report, despite some apparent slowing in the housing market; input price increases have become more widespread. In general, business contacts report ongoing improvement in overall conditions and some pickup in hiring activity.

Commercial real estate markets have been steady to softer since the last report, while the sales/investment market remains exceptionally weak. Residential real estate markets were mixed to weaker in early 2010. Finally, bankers report weakening in loan demand in all categories, rising delinquency rates–mainly in the household sector–but some leveling off in credit standards on consumer loans and residential mortgages.

Housing markets appear to have softened in early 2010, after hints of a pickup in late 2009. New York City’s sales and rental markets both showed signs of slackening since the last report. Rental activity, which had stabilized in December, has reportedly weakened more recently, while asking rents were relatively stable but lower than a year earlier. Co-op and condo transactions, which had picked up in the latter part of 2009, are said to have slipped across the board thus far in 2010, while prices have reportedly continued to drift down. Similarly, northern New Jersey’s single-family housing market has reportedly lost momentum in early 2010–particularly for new homes–after showing scattered signs of a pickup in late 2009. However, this may partly reflect unusually harsh winter weather this year in much of the state. Construction of both single- and multi-family homes is moribund, as developers are reportedly holding off on any new development. Still, a real estate agent in a relatively upscale area notes that short sales are not all that common and that most transactions are still above the remaining mortgage balance; however, she notes that prices continue to drift down–especially at the high end, where affordability remains a major factor. The homebuyer tax credit is not much of a factor because it represents a small portion of the typical house price. Buffalo-area Realtors indicate that sales were sluggish in both late 2009 and early 2010, though here, the recent extension of the homebuyer tax credit is expected to spur increased activity in the months ahead.

Commercial real estate markets across most of the District softened since the last report. Vacancy rates in Manhattan continued to climb, while asking rents continued to fall and were down more than 20 percent from a year ago. Vacancy rates also rose noticeably in Westchester and Fairfield counties, while asking rents were down by 6 percent. In most other areas around the District, however, vacancies and rents were relatively stable. Commercial real estate sales remained exceptionally weak across the board.

Bankers report decreased demand for all types of loans, particularly in the residential mortgage category, where more than half of those surveyed report weakening demand, compared with just 11 percent reporting a pickup. Bankers also reported decreased demand for refinancing. Respondents indicate further tightening in credit standards in the commercial mortgage and commercial and industrial loan categories but some leveling off in standards on consumer loans and residential mortgages. Still, no banker reported an easing of credit standards in any of the categories.

Finally, respondents report continuing increases in delinquency rates for all categories except the commercial and industrial loan category, where rates are reported to have leveled off.

(Emphasis Added)

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434 Responses to Fed: Housing markets appear to have softened in early 2010

  1. Essex says:

    Doh~!! Foist

  2. grim says:

    From Reuters:

    Fannie Mae Jan portfolio down, delinquencies jump

    Fannie Mae (FNM.P) (FNM.N), the largest provider of funding for U.S. home mortgages, on Wednesday said its mortgage investment portfolio shrank significantly in January, while delinquencies on loans it guarantees accelerated in the prior month.

    The portfolio decreased by an annualized 44.8 percent rate to $735.2 billion in January from $772.5 billion the previous month, the Washington-based company said in its monthly summary. In January 2009, the portfolio was $785.5 billion.

    Delinquencies on loans in its single-family guarantee business jumped by 0.09 of a percentage point to 5.38 percent in December, according to the most recent data available. A year earlier it was 2.42 percent.

  3. grim says:

    (cont)

    Fannie Mae last week reported a loss of $16.3 billion for the fourth quarter of last year and said it requested $15.3 billion from the U.S. Treasury to keep its net worth in positive territory.

    The government-controlled company said it would need additional taxpayer funds in the future to continue operations.

  4. grim says:

    From the Courier News:

    South Brunswick school chief warns “hundreds” of layoffs may loom

    The South Brunswick School District may have to cut “hundreds of positions” by the next fiscal year because an anticipated steep cut in state aid and tax ratables, Superintendent Gary P. McCartney said.

    From the Star Ledger:

    South Orange-Maplewood district to cut 29 jobs to prune budget

    Eight special education teachers are likely to be among 29 people facing layoffs at the South Orange-Maplewood School District, Superintendent Brian G. Osborne said this week.

    The personnel cuts are necessary, Osborne said, because of a steep decline in state aid and a sizable increase in health insurance expenses.

    Eight instructional aides and a middle school librarian are among the other positions due to be eliminated from a flat $112.4 million spending plan.

    From the Press of Atlantic City:

    Two jobs cut, more loom for Vineland schools

    School leaders plan to lay off every administrative assistant in the district and also may cut all 15 assistant principals.

    On Wednesday, Superintendent Maryann Banks named two administrative assistants whose jobs will be cut and said eight assistant principals also may be laid off. She and school board members refused to say anything about the matter at Wednesday’s board meeting beyond confirming the names and potential fates of those 10 people, citing personnel protections that forbid them from disclosing the information.

  5. grim says:

    Say it ain’t so..

    From the Star Ledger:

    N.J. Sports Authority audit is sought by lawmakers amid mounting debt

    Senate Majority Leader Barbara Buono today called for a state audit of the New Jersey Sports and Exposition Authority, saying the state agency’s books were in such disarray they could not be trusted.

    In a special hearing of Senate Legislative Oversight Committee, Buono (D-Middlesex) said the agency’s financial statements were “incomprehensible,” filled with randomly allocated expenses and revenues that she likened to creative accounting to show a profit.

    The hearing came in the wake of a report by the governor’s transition team that found the authority’s business model was broke.

    The authority today told Buono’s committee that it would seek a $30 million state bailout to help bridge its growing budget gap. While much of the agency’s debt is already being picked up by the state, authority officials said this marked the first time they have asked for assistance covering operating expenses.

    “We’re in a difficult financial position,” acknowledged Dennis Robinson, president and CEO of the authority.

  6. stan says:

    Veto- franks #’s were last listing price before they went into contract.

  7. jamil van jones says:

    christie for president!

  8. Painhrtz says:

    Grim the comments in the Christie article are comedy gold

  9. Cindy says:

    http://pragcap.com/absolute-return-letter-the-retirement-lottery

    So I’m reading this article forwarded by a friend then I get to page 6:

    “…assuming nominal GDP growth can be sustained at 5% per year, it would take about 17 years for the total US-to-debt-to-GDP to return to 150% that used to be the “norm.”

    …more realistically – 3% – right – Oh that would take 28 years…

    This from the comments section:

    “We consumed more than we produced. We spent more than we earned. We must earn more than we spend for a long time.”

  10. serenity now says:

    #8 Christie for president!
    I will second that nomination – if he lives that long.
    He may turn up as a floater if he does not have
    someone watching his back.

  11. Cindy says:

    http://www.bloomberg.com/apps/news?pid=newsarchive&sid=a9_wZHNh62z8

    “Fed’s Fisher Calls for Accord to Break Up Big Firms”

    “The 10 largest U.S. banks’ share of the industry’s assets has increased 60 percent in 2009 from 44 percent in 2000 and about 25 percent in 1990, Fisher said.”

    Also somewhere at Bloomberg they have an article titled: “Consumer Agency Within Fed Seen as a Victory for Banks.”

    Help!

  12. Happy Daze says:

    forget breaking up firms

    outlaw them!

  13. confused in NJ says:

    Obama would pick Corslime over Christie, every time, to solve financial problems.

  14. Yikes says:

    it isn’t real estate, but … sports (kind of). Is anyone believing this is real? it is supposedly a football training running naked (it’s safe because they blur out the privates) in the forest

    http://tinyurl.com/ydpnaqr

    who trains naked?

    (ok, back to real estate, politics, guns, and teachers)

  15. Final Doom says:

    Liz Warren doing another dog & pony today with Victim Pandit.

    I wish somebody would tell her she’s been co-opted to participate in a scheme to make it look like somebody’s doing something to stop the looting of Amerika.

    The one known result of her hearing today is that nothing will come of it and nothing will change. The new corporate goal in Amerika is to achieve TBTF status.

  16. Final Doom says:

    Embrace the doom. Embrace oblivion. Just relax and let it wash over you.

  17. Final Doom says:

    We are murdering the Empire. These are the final days.

  18. Final Doom says:

    Supersize it, and bathe in french fry grease.

  19. Mr Hyde says:

    Doom,

    Just keep i mind that destruction gives rise to creation. You know, the whole “glass half full” state f mind. ;)

  20. Cindy says:

    http://www.washingtonpost.com/wp-dyn/content/article/2010/03/04/AR2010030400267.html

    Oh…and this is nice….

    “Obama reasserts Volcker rule, Senate bill seen”

    Get over to page 2 and you read: “Lobbying groups for large banks sent a letter to lawmakers on Wednesday saying that the Fed should retain its role as the supervisor of large holding companies, such as Citigroup and Bank of America.”

  21. grim says:

    Abercrombie same store sales up.

    Recession over folks.

    And I’m halfway serious.

  22. randyj5nj says:

    is Ben Bernanke the biggest idiot of all time? First he stands by while the biggest moral hazard in the history of the world is created with TARP, then he buys up a huge portfolio of MBS….

    MBS that is now more likely than ever to strategically default due to the bailouts of Wall Street.

    I guess he thinks he’s operating in a vacuum where human emotion doesn’t exist…

    The Feds purchases of MBS will be the death knell of the the Fed and of our currency.

  23. 3b says:

    #22 So it’s halfway over?

  24. All "H-Train" Hype says:

    Unemployment claims for the previous week – 469,000:

    http://ows.doleta.gov/press/2010/030410.asp

    This economy is going nowhere fast.

    I am starting to see things like Final Doom.

  25. Cindy says:

    http://blogs.wsj.com/economics/2010/03/04/monster-employment-index-points-to-jobs-growth/

    #22 – Grim – To your point….

    “Monster Employment Index Points to Jobs Growth “

  26. Happy Daze says:

    to stan:

    re MLS#90011215 from yesterday,
    that is a 2500 sq ft place
    so that places the $/sq ft well under 400!
    but it’s 3 br 2.5 bath so it should have had appeal.

    what’s up with that?

  27. House Whine says:

    Regarding the unemployment numbers -Seems to me so many deep cuts have been made that most solvent companies have nobody left to let go. You can only overload your remaining employees so much before their productivity and morale fall. Well, I don’t even know that employers care anymore about morale. Just get the work done. The job market out there for those looking for work is still daunting.

  28. Barbara says:

    I don’t see how there won’t be a crime wave in the coming months. People gotta eat.

  29. Fiddy Cents on the Dollar says:

    Happy Daze :27

    3 bedrooms and 2500 sq ft ? That’s a pretty good size for a 3 bed home. Where does the 2500 sq ft come from….realtor’s estimate ?

    Or tax records ?

  30. All "H-Train" Hype says:

    Cindy (26):

    I put no faith in that index. Most of the time it is multiple headhunters posting the same job.

  31. stan says:

    HD- no clue, two parking spots to boot. Place looks great in pictures. I was pretty shocked when I saw it myself. I don’t know if the original guy overpaid drastically, or the new guy got a great deal.

  32. chicagofinance says:

    19.Final Doom says:
    March 4, 2010 at 8:20 am
    Supersize it, and bathe in french fry grease.

    you misspelled Greece….

  33. Cindy says:

    32 – All H – Thanks – didn’t know.

  34. Mr Hyde says:

    Clot
    check this out:

    translated from a Chilean news paper (Clarin pg 25)

    “I had to shoot people, I had to shoot people” he repeated in a lethargy state.
    “Its hordes killing and robbing, they don’t leave anything standing. And here I am with my wife and two kids, they are terrified. This is worse than the earthquake, we cant stand it no more, we have no power, no water, no gas, no oil, nothing. We organized with four other neighbors to defend ourselves, no one protects us and we haven’t slept in 3 days, God, someone please do something”, he said. “They are robbing people that travel alone we cant move, we’re damned to hell and no one does anything to help us”.

    Felipe Sandoval, journalist, lives his own tragedy. “Mi house is still standing and my family is ok, but the situation is anarchic. I had to send my wife and 3 daughters to a friends house in a gated community to protect them, and with another 7 neighbors we are protecting what little we have left. There’s no gasoline, we move around in bikes and through populated areas alone, because if not they rob you even that”.

    He goes on “Y live in a humble, working class neighborhood, hard working people, and I’m living through things I never thought I would. We are our own hell”.
    He continues saying “First they looted food stores, then supermarkets looking for anything, and now they started with the houses. Today, life isn’t worth anything here. What the earthquake hasn’t destroyed, this has”.

  35. chicagofinance says:

    11.serenity now says:
    March 4, 2010 at 7:27 am
    #8 Christie for president!
    I will second that nomination – if he lives that long.
    He may turn up as a floater if he does not have
    someone watching his back.

    SING IT!
    http://www.youtube.com/watch?v=J36cvLXko04

  36. homeboken says:

    Request for the realtors on the board –

    Can someone give me a history of MLS #2742739

    Days on market? Orginal list?

  37. WHYoung says:

    “You can only overload your remaining employees so much before their productivity and morale fall. Well, I don’t even know that employers care anymore about morale. Just get the work done.”

    I’m not sure the bean counters ever cared about morale, although some individual managers do.
    They issue directives to cut a certain percent and count on the survivors to be grateful to have a paycheck and to sit down, shut up and take it.

    Yes, it’s short sighted and will come back and bite them when/if things turn around, but corporate-think is often short sighted.

  38. skep-tic says:

    #39

    Spitz seems to have a pathological inability to keep his mouth shut. It is just a further confirmation of his overall arrogance and lack of self-awareness.

  39. Mr Hyde says:

    Chifi 41

    Pics or it didnt happen!

  40. Mr Hyde says:

    Barb,

    Welcome to Argentina. The average American would get eaten alive trying to go through the day oblivious to the world around them as is the standard in the US. You’d be easy prey.

    The learning curve is going to be steep.

  41. NJ Fatrat says:

    Christie for president? His freezing of the school budgets looks good now, but the towns will just raise property taxes to cover the shortfalls. This will happen while he is still in office and may ensure he is one term and gone. He underestimates how quickly NJ voters turn on you when their property tax bill increases under your watch…

  42. Comrade Nom Deplume says:

    A lot of people had been thinking this in a general way, but credit Bove for connecting the dots (on both issues):

    “New York Attorney General Andrew Cuomo is the “father of the subprime crisis” and his aggressive attacks on Wall Street could make him dangerous to the banking sector if he becomes the next governor of New York, well-known banking analyst Dick Bove told CNBC.

    “One of the key reasons why [Fannie Mae and Freddie Mac are] bankrupt today, and why the government is spending hundreds of millions of dollars in supporting them, is because of the edicts pushed through by Mr. Cuomo,” said Bove, of Rochdale Securities, in a live interview.

    “It’s also thought by many that the hundreds of thousands of people who are losing their homes, are [doing so] to a great degree because of the actions taken by Mr. Cuomo at HUD,” Bove added.

    Cuomo, who was secretary of Housing and Urban Development from 1997 to 2001, has been blamed in some quarters for helping to trigger the financial crisis by pushing Fannie and Freddie to buy more subprime mortgages to increase home ownership among the poor. Many of those homeowners eventually defaulted, and the mortgage-backed securities market later collapsed. . . .”

    Bove also suggests that a Gov. Cuomo will be hostile to the financial industry. Would be fun watching Cuomo tell bankers that he wants their support and that he wants to strengthen the NYC economy—kinda like Ford speaking at Stonewall last week. I had been thinking that Christie should try to capitalize on a Cuomo candidacy, and tweak him in the process, by actively and openly trying to lure NYC business across the river with the unsubtle threat of a business-hostile environment in Albany.

  43. Al "The Thermostat" Gore says:

    –>Buys Christie a cold Lager.

  44. safeashouses says:

    #45 NJ Fatrat,

    I expect to see a surge in municipal “fees” over the next few years. Such as “garbage and recycling fees” and “library subscription fees”, “road and public work fees”, etc.

    I thought property tax was capped at 4% increase a year now in NJ. By shifting funding of services from being paid by property taxes to quarterly fees would be one way to get around the cap. They did it with water and sewage, why not other services?

  45. Al "The Thermostat" Gore says:

    36.

    Hyde great read.

    Im sure kidnappings for ransom are next.

  46. 3b says:

    #48 A big part of the reason for high property taxes in many towns over the last few years, was out of control voter approved building/renovation referendums.

  47. Al "The Thermostat" Gore says:

    45.
    Regarding property taxes going up.

    If people dont get control over their municipalities then you have no one to blame but yourself. Move to a town that obliterates school budgets everytime. Its quite fun watching the board of ed squirm.

    Also you are assuming that there will be elections in 2012 and 2013.

  48. Comrade Nom Deplume says:

    [49] Al

    I predicted two years ago that U.S. gangs and organized crime will get into the kidnapping for ransom business.

    Moreover, I expect that this will become a volume business (a la “Man on Fire”) and the real impact will not be felt by the highest earners as they are already well aware of this threat, but the HENRY’s who cannot afford the level of security that senior execs and their families get. Thus, it will be the corporate attorney, or senior v.p., with the columbian nanny, who finds out one day that Ellery and Graydon never came home from school, the nanny is also mysteriously gone, and there is a note demanding 500K by sundown. . . .

  49. RU says:

    #45 At least Christie is putting the burden back on the local districts and letting the local residents have a say. All the local politicians are very aware that property taxes have risen dramatically over the past 8 years and residents are sick of it. If they don’t do anything to reign in taxes, they will be voted out. It’s time for more of the residents to questioning how their tax money is being spent. The days of outrageous contracts to school superintendants and police chiefs are over. No more hidden perks.

  50. Al "The Thermostat" Gore says:

    Good video explaining the assault on the Euro by Soros and company. Bear raid.

    Greece is the weak flank. Greece will be the first dominoe then Spain, Portugal, Ireland, Italy, UK, and eventually the US.
    http://www.youtube.com/watch?v=8XRFII9AiQc

  51. RUWaiting says:

    Re: 45

    NJ Fatrat, what makes you think property taxes wouldn’t go up anyway?!?

    NJ property taxes went up 70% since 1999 and some of those years were considered the “good times”.

  52. RUWaiting says:

    Re: 53

    RU, well said!

  53. Comrade Nom Deplume says:

    [45] NJFatrat

    Your analysis is spot on, but you overlook one important point: The funding cuts will come deepest in the places that overwhelmingly went for Corzine (i.e., dem strongholds).

    Wealthier suburbs got very little from Trenton, so there is less to lose. For example, in Brigadoon, the proposed cut comes to under 200K, according to the union’s website. You can make that back by cutting back ever so slightly on police overtime, or axing one useless admninistrator, or hand out an extra 5 parking tickets per day at $20 per pop.

    So I don’t see Christie losing many votes over this in Brigadoon, Summit, Alpine, Tewksbury . . .

  54. NJGator says:

    Safe 48 – In our town to get around the cap, the town created new authorities to take costs out of the operating budget.

    We now how a Sewer Authority that bills us directly for our water/sewage fees. These used to be included in our property tax bill and were hence tax-deductible. Now they are billed separately, and are no longer deductible.

    And guess what – our municipal tax rate still went up the year that all of the sewage costs came out of the budget. Go figure.

    A few years ago we got a Parking Authority. Parking Permit Prices doubled. The Authority would now be responsible for enforcement, maintain the parking garages, etc and would make an annual lease payment to the township. The lease payment was factored in as revenue to the town. Guess what? We added 4 people to the municipal payroll and the authority has never been able to make their full lease payment. The town is going to forgive the lease payment, but now is required by law to reduce the estimated incoming revenue in the budget. I’m guessing our municipal tax rate will be hiked this year to make up for the shortfall.

  55. scribe, The Princess of Paramus says:

    chi, #39

    I wish Spitzer would shut up and go away already.

  56. New in NJ says:

    Doom 19-

    That would be Freedom Fry Grease, wouldn’t it?

  57. Mr Hyde says:

    Nom 52

    Kidnapping is already a rapidly growing industry in the southwest as mexican and south american gangs bring their SOP’s to the US with them.

    What is currently popular in mexico and will probably start to boom in the US are “virtual” kidnappings”. You get a phone call that they have a loved one and are demanding X$ within 2 hours or the person dies.

    They ask for a small enough amount that you can probably come up with it on short notice and they use a short enough time period that the person doesnt have time to actually come home. The key is that they havent actually kidnapped anyone. The do the recon and find out when a target will be away from family and communications for a period of time. The criminals then call the family and execute the “virtual” kidnapping. This all hinges on the family being unable to contact the family member and the threat of death or disfigurement being enough to force the family to act in a short time period.

    Another nasty version of the kidnapping game in mexico that is likely to pop up in the US is where they kidnap a low level person who has knowledge of a bigger fish’s finances/habits. The “ransom is simply that they give the kidnappers all the intel they need and and any additional assistance they may need. Once they get the bigger fish, the USUALLY dump the small fry without hurting them.

  58. safeashouses says:

    #58 NJGator,

    I expect a lot of towns will copy Montclair, and with similar outcomes.

  59. 3b says:

    #53 How can residents be sick of it, when in so many cases residents are the cause of out of control spending.

  60. x-underwriter says:

    According to this data, Jersey is 11th in the nation for delinquent loans (15.4%)

    http://www.calculatedriskblog.com/2010/03/states-seriously-delinquent-mortgages.html

    That’s pretty shocking for such a “rock-ribbed” housing market.

  61. sas says:

    “Housing markets appear to have softened in early 2010”

    softened? ha. yeah right.
    Thats like having a semi, but can’t drive it.

    Its like taken those pills to ensure your plumbing works. ok, great, but your still shooting a blank.

    like the commercial says:
    be my… be my little baby !!

    too bad a great song has been ruined.
    oh well,
    SAS

  62. RU says:

    #63 3b I think most of that happened when times were good and they could hit their HELOC for their vacation or to buy the Escalada to drive little Johnny or Jane to soccer practice. Times are different and property taxes are taking a big bite out of everyone’s budget.

  63. sas says:

    “U.S. gangs and organized crime will get into the kidnapping for ransom business.”

    it already does. it just may get a little more obvious.

    you think I was kidding about my kidney story. where do all those missing kids go? they goto sex trade, slavery for cheap labor, and a little unknown, they get taken for body parts to grow cell lines for vaccinations (its not just limited to monkey kidneys from Africa), and cells get shipped to overseas R & D departments.

    there is a reason, American pharm/biotech jobs get shipped overseas, same goes for clinical trials.

    Organ trade is big.

    It scares me. like i’ve said before i have a soft spot of 2 things in life:
    kids & puppies.

    SAS

  64. sas says:

    “Organ trade is big.”

    you really think those people committed suicide by swinging from tied up bedsheets?

    when you hear such stories its usually a) sommeone wanted someone quiet b) that person was organ compatible.

    SAS

  65. john says:

    ChifI, I guess ASBC bond from yesterday I was right, damm counterparty busted traded on me as they did not mean to do trade. I hate T+3 busting on deals. They did agree to throw me a lousy partial fill at a price improvement and no commission.

    Now here is today’s crazy crap shoot bank bond of day. Makes ASBC bond look like a triple AAA rated bond.

    How bad is this bad boy?

    BANPONCE TR I CAP SEC 8.32700% 02/01/2027
    Price (Ask) 67.000
    Yield to Worst (Ask) 13.266%
    Yield to Maturity 13.265624%
    BANPONCE TR I CAP SEC 8.32700%
    CUSIP 066915AA7

  66. Happy Daze says:

    31 Fiddy

    The size was listed in Zillow, then I confirmed in the tax records:
    2480 sq ft.

    crazy!

  67. 3b says:

    Pending home sales drop 7.6%. Come on people (for thsoe who qualify) the home buyer tax credit ends in 56 short days. Do your best to get that pending home sales # into positive territory.

  68. chicagofinance says:

    JJ: just get your secretary to blow you OK?

    john says:
    March 4, 2010 at 11:01 am

    ChifI, I guess ASBC bond from yesterday I was right, damm counterparty busted traded on me as they did not mean to do trade. I hate T+3 busting on deals. They did agree to throw me a lousy partial fill at a price improvement and no commission.

    Now here is today’s crazy crap shoot bank bond of day. Makes ASBC bond look like a triple AAA rated bond.

    How bad is this bad boy?

    BANPONCE TR I CAP SEC 8.32700% 02/01/2027
    Price (Ask) 67.000
    Yield to Worst (Ask) 13.266%
    Yield to Maturity 13.265624%
    BANPONCE TR I CAP SEC 8.32700%
    CUSIP 066915AA7

  69. 3b says:

    #66 I know, but it is ironic now that they are complaining. A few short years ago, when I was urging caution before committing to huge construction referendums I was laughed at. Now many of these same very people who were laughing are crying about property taxes.

  70. Comrade Nom Deplume says:

    [67] sas

    That wasn’t where I was going with that.

  71. Comrade Nom Deplume says:

    [61] hyde,

    Did not know that, but I guess I guessed correctly. It was all premised on the notion that such practices would be imported.

    I think the virtual kidnap only works in limited situations. I am talking about wholesale operations where there is a virtual pipeline and the process becomes routinized. Similar to Mexico but with more security and tighter timelines since perps can’t rely on the same level of corruption, and would face more diligent enforcement efforts (for the time being anyway).

  72. RU says:

    #73 3b: It’s about time they woke up. Time to pay the piper. I would laugh b/c at the time my wife and I were renting and my wife (who’s clueless about managing money) would try to compare our living situation to other people who were making less but had huge houses. I would just tell her that I had no idea how they’re affording it but had a feeling they over extended themselves financially. I always made it a point in my life not to care what other people are driving or how they live as long as it doesn’t affect me. I could care less about shows showing how rich people live.

  73. Al "The Thermostat" Gore says:

    This is a fine example of American journalism by MSNBC.

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

  74. Happy Daze says:

    Bring back Robin Leach
    “Lifestyles of the (Seemingly) Rich and Overextended”

  75. 3b says:

    I whole heartedly agree. I just find it ironic. They claimed they were doing it for the children, when they were really doing it for them (to supposedly make their houses more valueable),a nd now they are crying. So what about doing it for the children??

  76. Al "The Thermostat" Gore says:

    76.

    Not to mention making themselves a target. I agree with you. Its completely taboo nowadays anyway.

  77. Al "The Thermostat" Gore says:

    “The Greek state must sell stakes in companies and also assets such as, for example, unpopulated islands,” Frank Schäffler, a member of parliament for the pro-business Free Democrats, told the Bild daily.

    Marco Wanderwitz, an MP for Merkel’s own conservative Christian Democrats, said Athens should provide collateral for any money it receives from the European Union to help it out of its debt crisis.”
    http://www.thelocal.de/politics/20100304-25667.html

    I wonder what we could get for Delaware.

  78. sas says:

    “Lifestyles of the (Seemingly) Rich and Overextended”

    he..he..
    thats a good one.

    SAS

  79. sas says:

    hey…
    anyone get rumors of a bank holiday coming out of Wells Fargo?

  80. Mr Hyde says:

    Sas

    a bank holiday is a given at this point. The only question is timing

  81. john says:

    I have to wait till the interns are here!

    chicagofinance says:
    March 4, 2010 at 11:22 am
    JJ: just get your secretary to blow you OK?

  82. Mr Hyde says:

    Nom

    the media seems to be staying away from the kidnapping stories in the southwest, but it’s going on, especially near major border areas

  83. Mikeinwaiting says:

    John 85 Your slipping buddy I was sure you had that set up in her daily routine.

  84. NJGator says:

    Big changes afoot for municipal, school budgets

    While preparing last year’s municipal budget, Township Council members suggested saving money by closing a municipal pool, furloughing municipal employees, and canceling First Night Montclair.

    None of these ideas made it beyond the discussion stage, and the budget, as adopted, contained few wholesale changes from the year before.

    Then council members crossed their fingers and hoped 2010 would be better.

    But the effects of the deep and damaging national recession, as well as a new governor who isn’t hesitant to slash items long considered sacred cows in New Jersey, have combined to create a new reality for local officials attempting to craft budgets with both popular services and tax increases below state-imposed maximums.

    Last week’s revelation that the municipality and the Montclair School District are each taking on unions by threatening layoffs illustrates the extent of the challenges facing the two public entities in 2010.

    Some officials believe nothing short of a full-scale reexamination of what kinds of services government provides could be at stake.

    Schools Superintendent Frank Alvarez, in an e-mail to The Times, stated that budget woes are forcing the district to “reassess program effectiveness” and “rethink long-standing practices.”

    Third Ward Councilman Nick Lewis asked, “Is this just a bad year … or is this just the beginning of the end of government as we know it? I don’t know the answer to that, but it concerns me.”
    ….
    Local officials have weeks to decide which services to cut, which programs to terminate, and which employees to let go. The Township Council will adopt the municipal budget sometime in late spring; the school district’s budget is scheduled for adoption on April 8.

    Until then, they will be searching for answers. And Lewis, for one, is not sure where to find them.

    “This is a bad year. I hope it’s just this year and this isn’t the way it’s going to be for the rest of my term,” Lewis said.

    “It would be really depressing to be the council that oversaw the deconstruction of the Montclair municipal government.”

    http://www.northjersey.com/news/86306747_Big_changes_afoot.html?c=y&page=1

  85. NJGator says:

    District to cut 60 jobs and reduce programs

    Montclair’s financially hard-pressed public schools are on the verge of the most dramatic changes they have confronted in more than a decade as the Montclair School District tries to cope with deep cuts in state aid and the increasing costs of negotiated salary hikes for its teachers and support staff.

    Schools Superintendent Frank Alvarez said the district is making preparations to eliminate as many as 60 jobs and make significant “across-the-board reductions in programs and services” in order to balance a proposed $112.7 million for the 2010-2011 school year.

    The proposed layoffs target teachers, instructional aides, librarians, nurses, security officers and administrators.

    Virtually every program, including special education, Writers Room, tutoring and after-school programs, athletics and activities, and summer programs are directly affected. Some services could be dropped entirely.

    The new spending plan, unveiled at the Board of Education’s public meeting this past Monday, includes a 2.9 percent hike in the school portion of local property tax rates.

    District officials took little solace in the 2.9 percent hike in the tax rate, the lowest in more than a decade, or the fact that they were able to produce an operating budget that is actually lower than this year’s record $113 million spending plan.

    They warned that additional layoffs and cuts in programs could still lie ahead.

    Business Administrator Dana Sullivan said the district based its projections on an anticipated 15 percent reduction in state aid from Trenton for the upcoming school year.

    However, Sullivan said that local school districts have been warned the actual cut in state aid could be as high as 20 percent. An announcement from Gov. Chris Christie’s administration is expected on March 16.

    Sullivan cautioned that another five percent in lost state funding could force “an additional 20 or more layoffs and other cuts in programs and services” on top of what has already been projected.

    Underscoring the seriousness of the financial crisis that the district finds itself in, more than 200 members of the Montclair Education Association (MEA) attended the board meeting to demonstrate their solidarity and voice their concern about the threatened job losses.

    MEA President Dennis Murray drew loud applause from the assembled teachers and support staff, who had donned white MEA T-shirts, when he announced that the teachers union had rejected the board’s request, made in a resolution last week, to reopen their labor contract.

    Board member Leslie Larson introduced the measure in the hopes that MEA members might forego scheduled 2.5 percent increases this year and save some of the jobs in jeopardy.

    “The posturing is over, now the hard work begins,” Murray told The Times. “I think you’re going to see some very positive things come out of this meeting.”

    “We’re not reopening the contract,” Murray said. “We will work within the confines of the existing contract. But there are things that can be done.”

    School Budget Cuts

    The Board of Education’s proposed $112.7 million budget for the 2010-2011 school year includes 60 layoffs and reductions in programs and services.

    Central Office

    5 staff reductions in administration, support staff, and buildings-and-grounds maintenance.
    Cuts in conference and travel, supplies and materials, and building maintenance and repairs.

    Special Education

    3 staff reductions.
    Additional staff reductions expected as a result of restructuring of Special Education.

    Elementary Schools

    33 staff teaching positions cut in areas including world language, curriculum support, related arts, libraries, and in the English as second language program. Other reductions in student assistance counseling and in instructional aides.
    Additional reductions in curriculum leaders and subject matter leaders, Writers Room paid coordinators, tutoring and after-school programs, non-mandated and community programs, and supplies and materials.
    Middle Schools

    13 staff reductions in areas including librarians, core subject teachers, nurses, security personnel, related arts instructors, and instructional aides.
    Other cuts in after-school programs, summer programs, Writers Room paid coordinators, use of non-district-owned facilities, subject matter leaders and curriculum leaders, summer scheduling, and non-mandated and community programs.

    Montclair High School

    6 staff reductions in areas including core subject teachers, support staff, administration, security personnel, and Writers Room paid coordinators.
    Other cuts in athletics and activities, summer programs, and non-mandated and community programs.

    http://www.northjersey.com/news/86305977_School_programs__60_jobs_on_the_line.html?c=y&page=1

  86. Mr Hyde says:

    “This is a bad year. I hope it’s just this year and this isn’t the way it’s going to be for the rest of my term,” Lewis said.

    “It would be really depressing to be the council that oversaw the deconstruction of the Montclair municipal government.”

    Hope and Change!!!!!!

  87. Mikeinwaiting says:

    Ok so far we have child abduction ala 3rd world. John sec not on the pipe. Commercial Re & residential in the crapper & joy we are #11 in terms of defaults. Oh & Montklair “fingers crossed” is still spending money they don’t have like drunken sailors. Did I forget the Greece sit.
    Clot you at the office will bring the bottle.
    The only good news of the morn, Gov. Christie hell bent for leather taking no prisoners in his efforts to right the Titanic. Have to give him chops he has a set.
    Gut tells me it is all for naught, but he sure as hell giving it a try.

  88. chicagofinance says:

    JJ: to be sure, I would bet that the settlement crapped out for reasons other than the price…..there are sharks out there that want control….there is likely a ton of stuff going on behind the scenes…lawyers are getting paid….

    john says:
    March 4, 2010 at 12:04 pm
    I have to wait till the interns are here!
    chicagofinance says:
    March 4, 2010 at 11:22 am
    JJ: just get your secretary to blow you OK?

  89. chicagofinance says:

    Underscoring the seriousness of the financial crisis that the district finds itself in, more than 200 members of the Montclair Education Association (MEA) attended the board meeting to demonstrate their solidarity and voice their concern about the threatened job losses.

    ???
    What financial crisis? They have to cut fat and that is a crisis?

  90. Mikeinwaiting says:

    Gator 89 Layoffs in Montklair, the end is nigh.

  91. NJGator says:

    Chifi 93 – They don’t even have to take a cut to avoid a layoff. They just have to agree not to take a raise they are scheduled to get this year. Not much sympathy here.

    Of course when they refuse, my kid will likely be in a K class with close to 30 kids in it.

  92. sas says:

    “his efforts to right the Titanic”

    so, who wants to polish the silverware before we sink?

    SAS

  93. NJGator says:

    Hyde 90 – Mr. Lewis is absoultely Stu’s favorite councilor….for comic relief and agita that is.

    When the town was considering the bat-sh*t crazy idea of buying that Senior Center and the council was told about out 200M debt problem, Mr. Lewis spoke up and said “What if we don’t make any road repairs for the next year or two. Then can we afford to buy the Senior Center?”

    Living proof that you don’t need any common sense to go to law school.

  94. john says:

    That and the stock price keeps rising, the counterparty backed with a crazy explanation. Saw that with my Kodak bonds that kept rising while none were offered for weeks before KKR announced it was in the mix.

    chicagofinance says:
    March 4, 2010 at 12:24 pm
    JJ: to be sure, I would bet that the settlement crapped out for reasons other than the price…..there are sharks out there that want control….there is likely a ton of stuff going on behind the scenes…lawyers are getting paid….

  95. Al "The Thermostat" Gore says:

    Random thought. Flush with my home depot gift cards Im looking at planting some dwarf fruit trees. Anyone have experience at what grows well in NJ without excessive spraying?

  96. Final Doom says:

    rat (45)-

    This time around, if the municipalities try raising property taxes, they will find themselves with a revolt on their hands.

    Will also probably see a few pipe bombs, etc detonated at municipal buildings “for effect”.

    I can’t wait for that to happen.

  97. x-underwriter says:

    I wonder how the voters will respond to town merging proposals now that they have a gun to their head.

    “If we don’t, your taxes will double” somehow sounds more persuasive than “If we do, your taxes will go down $250”

    School systems are getting stripped to the bone. It makes more sense to merge them now.

    Chris Christie is my homie!!!!

  98. Final Doom says:

    plume (52)-

    No doubt that kidnap-for-ransom is the next big growth industry.

    Just another sign we’re slipping into the Third World muck.

  99. Final Doom says:

    al (54)-

    We already have the playbook on what happens when Soros goes short the GBP.

    Not pretty.

  100. Final Doom says:

    john (69)-

    Have you ever thought of taking up sports gambling?

  101. Al "The Thermostat" Gore says:

    102.

    Maybe new industries will pop up around the kidnapping scene. For example:
    School bus marshalls in civilian clothes.

  102. Final Doom says:

    ..because it would help you de-risk a little bit.

  103. john says:

    Oversight panel: Citigroup has implicit federal guarantee

    Goes to show how irrational investors are when they dumped the bonds at 50 cents on the dollar. It was like 1/2 price t-bills.

    They bailed them out in great depression, 1991 S&L crisis and again in 2008. They are an extension of the US Govt. And yes we should keep doing it, everytime they pay us back with a big profit and they are a huge job creation and tax paying machine in good times. God Bless Citi they are doing the Lord’s work.

  104. Final Doom says:

    plume (75)-

    When we rein in the police’s pensions, bennies and salaries, they will be helping the kidnappers.

    Another sign of Third World status: complete lawlessness, even by law enforcement.

  105. Mr Hyde says:

    Al,

    In argetina there are “taxi” services that will will pickup you up and drop you off door to door, they have an armed plainclothes security detail in the car at all times. Its usually a carpool type service targeted towards “middle class” people.

    A growth biz in the US!!!!

  106. Final Doom says:

    gator (88)-

    This guy could use a warning shot through his living room window.

    “Local officials have weeks to decide which services to cut, which programs to terminate, and which employees to let go. The Township Council will adopt the municipal budget sometime in late spring; the school district’s budget is scheduled for adoption on April 8.

    Until then, they will be searching for answers. And Lewis, for one, is not sure where to find them.

    “This is a bad year. I hope it’s just this year and this isn’t the way it’s going to be for the rest of my term,” Lewis said.

    “It would be really depressing to be the council that oversaw the deconstruction of the Montclair municipal government.”

  107. Mr Hyde says:

    Doom

    An Argentinian swimsuit model (lisset Sanessi) who fled the earthquake in Chile was robbed at her home upon her arrival and was nearly kidnapped until the kidnappers were interrupted by people walking in on the scene. Initial reports are that the perps were recognized as local police officers.

  108. Final Doom says:

    mike (91)-

    Where else would I be? No need to bring a bottle; I’ve got plenty for both of us here.

    Actually, I want to play hooky one day and have you give me a misery tour of Sussex Co. I think I could do some serious short sale damage there.

    “Clot you at the office will bring the bottle.”

  109. Mr Hyde says:

    Doom,

    You would think these politico clowns went through russian style indoctrination with 1984 being used as a How-To manual.

  110. Final Doom says:

    john (107)-

    I’d rather invest in a kidnap squad.

    “They bailed them out in great depression, 1991 S&L crisis and again in 2008. They are an extension of the US Govt. And yes we should keep doing it, everytime they pay us back with a big profit and they are a huge job creation and tax paying machine in good times. God Bless Citi they are doing the Lord’s work.”

  111. Mr Hyde says:

    Doom

    At least our troops coming home from Iraq and Afghanistan will have a new career field. With their experience in counter insurgence, and ambush tactics, they will be able to provide excellent counter kidnapping/ recovery services.

  112. Final Doom says:

    hyde (112)-

    They were kidnapping her in order to use her ass as a table.

    Outstanding!

  113. Mr Hyde says:

    Doom,

    The more i think about it, the more i may be looking forward to the NEW economy. Lots of potential business opportunities for niches that will be relatively new in the US

  114. Final Doom says:

    Only problem I have with kidnapping as a growth industry is that I’m worth more dead than alive.

  115. Final Doom says:

    Time to buy some more guns.

  116. Mr Hyde says:

    Doom,

    2 or large, loud dogs go a long way as well.

    In a worst case scenario an attack has to focus on stopping the dogs, before they worry about you, which gives you a lot more time to respond and puts you at a strategic advantage.

    Dogs are much easier to replace then family members

  117. Mikeinwaiting says:

    Clot 113 Get my email from Grim & come on up,plenty to see would love to. Or go to hinterland tours .com (just kidding). Dress down we want to fit in with the locals think nascar.

    Ket 112 That young lady was not going to be used for body parts ,at least not piece meal. Some Arab sheik was going to be very happy.

  118. 3b says:

    #110 I hope it’s just this year and this isn’t the way it’s going to be for the rest of my term,” Lewis said.

    After this comment, it shoudl ebcoem clear that local elected officials are clueless.

    Coaching softball,and being a member of the Lions Club does not qualify you to hold office.

  119. Mikeinwaiting says:

    SAS 96 John is on trail to get something polished but err, not the silverware.

  120. 3b says:

    #101 NJ residents will be dragged kicking and screaming to megering school districts. They would rather burn newspaper in their fireplaces for heat, than to think that their kids might be going to school with the unwashed masses in the town next door. And what about their prpoerty values?

  121. Comrade Nom Deplume says:

    Rush Limbaugh making good on his promise to leave NYC.

    http://money.cnn.com/2010/03/03/real_estate/rush_limbaugh_home/index.htm

  122. Comrade Nom Deplume says:

    [126] redux

    BTW, the underlying story is that Limbaugh said he would leave NY if they imposed new soak-the-rich taxes.

    NY is very aggressive when it comes to nexus, and would certainly go after him for state income taxes based merely on the fact that he owns property here. By severing any nexus with NY, they can’t go after him except for income sourced from NY, or personal earnings he makes while in NY.

  123. make money says:

    This guy is clueless and does not anything. he’s been wrong about housing, equities, 1987 crash, .com bubble etc. (dripping with sarcasm).

    Disclaimer. I sit where I stand.

  124. Comrade Nom Deplume says:

    [100 and 110] doom

    Oh, its coming. Pipe bombs and fmj slugs coming through the bay window? It is definitely going to happen.

    No way would I ever consider running for public office at the muni level.

  125. Anon E. Moose says:

    Clot-Shump-Doom[113];

    DoomTours.com is available.

    You’re right, you are an uncommon used house salesman. This tour business makes can keep up your lifestyle after RE-xpedia.com makes buying commodity shelter remarkably like buying commodity air transportation.

  126. x-underwriter says:

    #125 (3b)
    Brigadoonians can always send their kids to private school..probably do already anyhow.
    I’m down here in Northern Virginia now and the same thing happens. School determines the property values and the whole thing is managed on a countywide basis…so it can be done
    Here, you have to be very careful where you buy because there’s a ton of illegal immigrants in areas that you would think not. It shows up in the school demographics under % of students who are eligible for free and reduced lunches.

  127. All "H-Train" Hype says:

    The SEC goes after the psychic but not the clowns who wrecked our economy….

    http://www.nypost.com/p/news/local/sec_goes_after_psychic_for_scamming_oW2uYFCpYbK0AQJ30hiwHJ

  128. Anon E. Moose says:

    Nom[127];

    Do you recall what happened with Jeter’s run in with NYS DoR over NY residency (v. FL) because of his condo?

  129. safeashouses says:

    Those Montclair teachers with seniority are a bunch of greedy grubbers. Crying about having to pay 1.5% of their salary for health insurance and not willing to reopen their contract to save 60 of their coworkers.

  130. Comrade Nom Deplume says:

    [131] x-

    I was in McLean. Would go back there if I relo’ed back to DC (which is an option I am actively exploring).

  131. Mr Hyde says:

    Nom,

    It may be grandpa doing the shoot too, instead of Jr. As benefits and social programs get cut, the elderly are probably going to suffer the most in the next phase of collapse.

    Modern elderly have become almost completely reliant on a combination of SS/medicaid-care/ and easy access to hightech medicine…..

    Hope they enjoyed the ride through the 70’s and 80’s.

    Grandpa also has less to lose then Jr and a prison cell is guaranteed housing and medical care!

  132. Comrade Nom Deplume says:

    [133] moose

    No, I don’t but Jeter has nexus with NY for $$$ earned in the bronx. I suppose the condo was a way to argue he was a resident of NY, thus subject on all of his earnings (e.g., money made playing the Rays in Tampa—if he were a floridian, he might not be taxed on it in NY. In theory anyway. Don’t do much SALT work so I can’t say).

  133. 3b says:

    You can’t make this stuff up folks. This house was on the market for 6 months or more at a list price of 519K. (It previously sold for 525k in May of 06, current taxes are just unde 10k). They took it off at the end of Feb, it is now back on today at a new list price of……….518K!!!!

    http://www.njmls.com/listings/index.cfm?action=dsp.info&mlsnum=1008418&countysearch=false

  134. Hope they enjoyed the ride through the 70’s and 80’s.

    Coke, disco, Exile on Main Street, Rocket to Russia, Bader-Meinhoff… IDK, sounds like it might have been worth it.

  135. Anon E. Moose says:

    [137];

    Yeah, as I recall the issue was that NYS wanted their share of ALL his income, not just the 81 games (plus interleague v. NYM); games played outside NY, endorsements, etc.

    In addition to owning a place in Manhattan, there was silly shit like having a picture of his girlfriend in that apartment meant it was his primary residence.

  136. Fiddy Cents on the Dollar says:

    Re : Local Taxes, it’s only gonna get worse.

    Out of curiosity, I took a look at the breakdown of my RE Tax rate. Middletown’s current rate is $1.791 per hundred (this will surely go up once all the tax appeals are settled).

    County……….$0.253
    Municipal…….$0.35
    Open Space……$0.037
    Garbage Coll….$0.066
    School Taxes….$1.085 or 66%

    Where should we trim the budget ??
    I guess we better stop buying up all that useless Open Space. Maybe cut Garbage Collection down to once a month.

  137. x-underwriter says:

    135 (Comrade)
    Overall it’s a pretty decent place to live. It’s like NJ without the grunge. Property taxes are 1/2 what you pay in NJ. What takes getting used to is the density of housing here. Just miles of roofs over the horizon. Builders claim the new trend is “walkable” neighborhoods so they give you a big house on a lot just barely enough to put the house on. I think its just a convenient excuse to double your profits on the same land.
    My brother just had to relo here for a job and got a 4,200 sf house on a 1/4 acre lot. Driving down his street for the 1st time, I coined the term ‘executive slum’. There’s all these McMansions that you literally can touch two by stretching out your arms

  138. Mr Hyde says:

    X 142

    Look at brazil. That compact building method is also how you keep out the undesirables. Fence in the wealth and throw in a few armed guards. All those neighborhoods need is some steel fencing and private security.

  139. Mr Hyde says:

    clot,

    re kidnapping

    dont forget the body armor

  140. john says:

    As Jay Z said he is in a ny state of mind

    Anon E. Moose says:
    March 4, 2010 at 1:36 pm
    Nom[127];

    Do you recall what happened with Jeter’s run in with NYS DoR over NY residency (v. FL) because of his condo?

  141. Juice Box Sean says:

    Germany vs Greece

    Quote:
    “The chancellor cannot promise Greece any help,” Schaeffler told Bild in a story under the headline: “Sell your islands, you bankrupt Greeks! And sell the Acropolis too!”

    And the Greek response:-

    Quote:
    “When we were carving beautiful statues like the Venus de Milos,” he said, referring to the cover of a German magazine which showed the statue gesturing obscenely under the headline ‘Greek cheats’, “they were living in caves and growling like dogs.”

    Greeks has also begun boycotting German goods.

    http://www.guardian.co.uk/business/2010/mar/04/greece-sell-islands-german-mps

  142. Al "The Thermostat" Gore says:

    Yes the kidnapping business and associated industries has potential.

    Consider the garment industry. As a deterral one can purchase a suicide vest or coat that can be detonated or threatened to be detonated upon ones kidnapping.

  143. Mr Hyde says:

    Juice

    freeloaders get pissed when they suddenly have to pay

  144. Mr Hyde says:

    Al 147

    not going to fly. Such a strategy would require that they are common enough that everyone is familiar with them. It would also require that kidnappers actually believe that people would pull the “pin”.

    Neither of those is going to happen.

  145. 3b says:

    #146they were living in caves and growling like dogs.”

    So what who care?? Now it will be role reversal.

  146. confused in NJ says:

    A significant improvement to Medical Care, with Massive Cost Savings could be achieved, by simply eliminating harmful snake oil products. Turn the clock back to 1980 and Cholesterol is “Not a Disease”, rather it’s necessary for life. Turn the clock back to 1992 and Bone Medications are not necessary to interrupt the normal human bone rebuilding process. Turn the clock back o 1950 and Normal Blood Pressure is your Age + 100. Outlaw Anti Depressants, with side effects like Suicide, which also cannot document how they were supposed to work to begin with. Outlaw Asthma drugs with side effects like Asthma related death. Tell big Pharma to stop looking for new uses for Drugs like Thalidomide, boy they never give up do they. New rule, you can’t create 100 drugs for one disease, until you’ve created at least 1 drug for every disease. Work on what’s needed.

  147. Al "The Thermostat" Gore says:

    136.

    Yes the elderly are especially dangerous. They have nothing left to lose because they are going to die anyway.

    In addition, they grew up with a hatred for Communists unparalled in any generation since. Most also come from military backgrounds

  148. Anon E. Moose says:

    John[145];

    You’re a Long Island boy (and likely older than me), you should know better that its Billy Joel tune.

  149. Juice Box Sean says:

    More Greek vs Germany quotes.

    “[The Nazis] took away the Greek gold that was at the Bank of Greece,” [said Theodoros Pangalos, the deputy prime minister of Greece.] “They took away the Greek money and they never gave it back. This is an issue that has to be faced sometime in the future. I don’t say they have to give back the money necessarily but they have at least to say “thanks.” And they shouldn’t complain so much about stealing and not being very specific about economic dealings.

  150. Mr Hyde says:

    Confused

    Do that and say goodbye to the pharma industry. Dont worry though, they own a solid # of politicians so they arent really concerned.

  151. chicagofinance says:

    jj: I am meeting tomorrow with a client that covers midwest/west regional banks. Maybe I can trick him into telling me something proprietary.

    john says:
    March 4, 2010 at 12:42 pm

    That and the stock price keeps rising, the counterparty backed with a crazy explanation. Saw that with my Kodak bonds that kept rising while none were offered for weeks before KKR announced it was in the mix.

    chicagofinance says:
    March 4, 2010 at 12:24 pm
    JJ: to be sure, I would bet that the settlement crapped out for reasons other than the price…..there are sharks out there that want control….there is likely a ton of stuff going on behind the scenes…lawyers are getting paid….

  152. Mr Hyde says:

    Confused:

    But what about my RESTLESS LEG SYNDROME??? How will i treat it?

  153. Al "The Thermostat" Gore says:

    154.

    The Germans cant give it back because they lent it to the US and we all know Ft Knox hasnt been audited since Eisenhower.

    I say give them some tungsten and Federal Reserve notes.

  154. Rumor has it that Sands is looking to sell it’s brand new Sands Bethlehem Casino. That was quick. The hotel portion of the casino hasn’t been completed and table games in Pennsylvania are right around the corner.

    Las Vegas Sands released its 2009 fourth-quarter report last week, which showed Sands Bethlehem with an operating loss of $2.1 million on revenue of $57.5 million.

    With its close access to New York and New Jersey customers and its $743 million price tag — the highest for a Pennsylvania casino — Sands Casino Resort Bethlehem had expected to be a major success among Pennsylvania casinos. But things haven’t gone according to plan for the casino. The property’s hotel, mall and conference center had been scheduled to open with the casino May 22, but construction on the three amenities stopped in October 2008 and hasn’t resumed.

    I don’t see the casino going away completely, but it’s interesting to think that the corporate folks at Sands couldn’t have projected the market to not being a “mega-market” like Macau. I guess it would be easier for Sands to cut their losses and focus on big money than to see the project through.

    For what it’s worth, the Las Vegas Review Journal reports that Sands isn’t looking to sell.

  155. sas says:

    “Long Island boy”

    straight outta Copiague, right off sunrise Highway.

    lol
    SAS

  156. Final Doom says:

    moose (130)-

    If you stepped into my office, I’d shoot you without even thinking about it.

  157. Final Doom says:

    Between the eyes, so you couldn’t have an open casket.

  158. Final Doom says:

    safe (134)-

    In case the memo hasn’t gone out, it’s every man for himself among the ranks of the NJ unionized.

    The final proof of what a Ponzi all unions are.

  159. Final Doom says:

    3b (138)-

    Look like Lan Kam next check come from working stripper pole.

  160. Al "The Thermostat" Gore says:

    Vacant Schools to Be Turned Into Homleess Shelters
    KANSAS CITY, MO – Homeless students make up nearly 12 percent of the Kansas City Missouri School District’s enrollment. It’s a growing problem in Kansas City, that continues to get worse. Now, there’s an idea on the table to turn some of those schools the district plans to close into shelters.

    As Kansas City’s school board prepares to announce which school buildings will close, a discussion is opening over what to do with these buildings.

    “We have about bout 2000 out of 17,000 kids are homeless in Kansas City Missouri schools, said Rose Marie Bell, a school board candidate. “Why can’t we redevelop these buildings for our children so they can have a safe and secure place to live so they can learn, they can go to school.”

    There’s no denying the figures. In the latest conference of mayors hunger and homelessness survey, in just one year, between 2008 and 2009, homelessness amongst families in Kansas City rose by 22 percent.
    Dennis Chapman of City Union Mission said the economy has forced more families to seek help than ever before.
    “Unless we do some other great strides to turn it around, I don’t know that there’s going to be an instant fix,” Chapman said. “We’re not looking for an instant fix. It is a problem.”
    Shelter space in Kansas City is hard to come by. Many are forced to spend the night outside, including school-aged children.
    “I think it will even go up higher because of all the foreclosures and people losing jobs and things,” Bell said.

  161. Final Doom says:

    sean (154)-

    One big, happy family, those Euros.

    This is gonna end like Animal Farm.

  162. Final Doom says:

    (158)-

    Post of the day:

    “I say give them some tungsten and Federal Reserve notes.”

  163. #157 – But what about my RESTLESS LEG SYNDROME??
    I get restless fist syndrome every time I’m on Maiden Lane.

    Also, has anyone found evidence of a single verifiable occurance of ‘Restless Leg Syndrome’ occuring before those stupid commercials?

  164. dan says:

    Doom,

    I see your point. Unions in a way are a ponzi scheme, last ones in get screwed at the first whiff of trouble instead of all for one and one for all.

    I guess we can look forward to angry Jewish 2nd grade teachers being dragged into jails. Hope they wear makeup for the TV cameras.

  165. Juice Box Sean says:

    re#168 – Kramer did the jimmylegs impression on Seinfeld.

    [Elaine’s Office]

    Elaine sits behind her desk, in the big fancy office she gets standing in
    for Peterman as president. Kramer enters.

    KRAMER: Elaine. Uh, you got a moment?

    ELAINE: Yeah, Kramer, come on in.

    KRAMER: I, uh, need to speak to you about some lady problems.

    Kramer sits in front of Elaine’s desk.

    ELAINE: (unsure) Oh-kay.

    KRAMER: (a little anxious) You know, after I have sex with Emily, uh, I
    don’t want her in the bed any more.

    ELAINE: Ah.

    KRAMER: Yeah, because she’s throwing off my whole sleep. She’s got the jimmy
    legs.

    ELAINE: (confused) Jimmy legs?

    Kramer raises one leg and judders it in the air, as illustration.

    KRAMER: Jimmy leg.

    ELAINE: (grasping the concept) Ohh.

    KRAMER: So, uh, well, maybe I should just be honest with her, huh?

    ELAINE: Tell her after sex, you just want her outta there?

    KRAMER: Well, I’d say it nicely.

    ELAINE: I don’t think so.

    KRAMER: Well, you know, I really like this girl and I, you know, I think if
    I could just work out this one thing…

    ELAINE: (interrupting) Yeah. I gotta be honest with you Kramer. You might be
    more than just a coupla tweaks away from a healthy relationship.

    KRAMER: Well you’re not exactly zeroing in yourself, lady.

    ELAINE: (pointing to the door, angry) Alright, get out.

    Kramer starts to move, and thumps his knee on the underside of the desk. He
    rises and begins to head for the door.

    ELAINE: (impatient) Get out!

  166. Juice Box Sean says:

    Question for the crowd. If all of NY Gov Patterson’s aides resign then who will keep him from bumping into the furniture at the Governor’s mansion?

  167. Mr Hyde says:

    Doom,

    Could Lan have photoshopped that head shot any more?

  168. JB Sean:

    Actually, the way Corzine governed, you would have thought he was blind too.

  169. RayC says:

    Final Doom says:
    March 4, 2010 at 2:24 pm

    moose (130)-

    If you stepped into my office, I’d shoot you without even thinking about it.

    ………………….
    C’mon Final, you have to stop and think about doing something like that. Just for a second, or you’ll never truly enjoy it. Take a moment to stop and smell the powder.

  170. Mr Hyde says:

    tosh

    the pharma industry has mastered “Its not a bug its a feature”, and then charge for said feature

    the software industry could learn a thing or two.

  171. zieba says:

    Was that a young Sarah Silverman playing Emily yesterday?

  172. Al "The Thermostat" Gore says:

    Data released by the FBI’s National Instant Criminal Background Check System (NICS) for the year reported 14,033,824 NICS Checks for the year of 2009, a 10 percent increase in gun purchases from the 12,709,023 reported in 2008.

    So far that is roughly 14,000,000+ guns bought last year!

    The total is probably more as many NICS background checks cover the purchase of more than one gun at a time by individuals.

    To put it in perspective that is more guns than the combined active armies of the top 21 countries in the world.

    In addition 14,033,824,000 billions rounds of Ammo were sold in 2009.

  173. sas says:

    “Mansions go modular as costs, timeline lure high-end buyers”
    http://www.washingtonpost.com/wp-dyn/content/article/2010/03/03/AR2010030303913.html?g=0

  174. Final Doom says:

    dan (169)-

    My fantasy is that the public unions do all the ultra-violent heavy lifting for us.

    The membership will fight each other, then turn their collective (and hopefully, violent) wrath on the gubmint. All of us in the private sector can then be like the crowd at demolition derbies…just there in hopes of seeing massive wrecks and lots of carnage.

  175. Final Doom says:

    hyde (172)-

    She’d better hope she’s got the goods to make it past the interview at the Rt 3 strip joint where she’ll be looking for a job pretty soon.

  176. Final Doom says:

    stu (173)-

    Yeah, ’cause there’s no question he’s retarded.

  177. Final Doom says:

    Ray (174)-

    With the Mossberg I keep in my office (and a box of 00 shells), I’d have ample time to savor the splatter. Not to mention the fact that the mortgage guys would help me cut up the body & get rid of it.

    “C’mon Final, you have to stop and think about doing something like that. Just for a second, or you’ll never truly enjoy it. Take a moment to stop and smell the powder.”

  178. NJGator says:

    Clark, NJ rated #10 Best Affordable Suburb in America by Businessweek…

    10. Clark, N.J.
    Nearest major city: Newark
    Population: 13,862
    Median family income: $97,668
    Median home price: $380,500
    Unemployment rate: 9.7%
    Violent crime index: 4

    Formerly a farm community, Clark has grown into a popular suburb at nearly full capacity of occupied land, according to the town Web site. Its school district has a preschool, two elementary schools, a middle school, and a high school. Clark is near several medical centers in neighboring communities. Amenities include a golf complex, community pool, tennis courts, and parks. A new ranking by Monmouth University’s Polling Institute named Clark one of the state’s best places to live, according to a report on njtoday.net.

    http://realestate.yahoo.com/promo/best-affordable-suburbs-in-america-2010

  179. Shore Guy says:

    Gator,

    From yesterday:

    “have suggested cutting sports”

    Inasmuch as sports are part of the educational process, and educational policy determinations are entirely within the authority of the Board (with oversight from the Commissionar of Education), if the Board decides to keep sports and cut X Y or Z staff, there is nothing to stop the Board. Now, they may need to negotiate over the severable issue of compensation relating to various changes, e.g. increased class sizes, etc., but the decision-making authority rests with them, notwithstanding the sturm and drang of any group.

  180. Shore Guy says:

    Gator,

    I have long had relatives who lived and worked in Clark. Things must have changed alot in the past few years (I have not driven through town in 10 years or more) but I did not used to like it. Way back, it really sucked with the industrial waste spilling from the stacks.

  181. NJGator says:

    Shore – the teachers are grandstanding. 83% of the budget is devoted to salarys and benefits. Cutting JV Football will only take us so far.

    Like I said earlier, the sad part is the town isn’t even asking for a wage cut. They are asking the MEA to forego a portion of the wage increase to be received this year-just a portion. So their salaries can still increase and they can save the jobs of 60 of their colleagues.

    How much do you want to bet that the ones remain standing demand more money for the larger class sizes they will have to handle after the layoffs?

  182. Painhrtz says:

    Gator unions will not be happy until they eat themselves.

    Clot are you moving into the soon to go postal/Michael Douglas falling down stage? Give us a heads up before you do.

  183. relo says:

    184: Cut sports. After all, it’s for the kids.

  184. dan says:

    I thought over-paying teachers in New Jersey was for the kids……

  185. NJGator says:

    I don’t want to give the impression that we are completely anti-teacher. I think the BOE also needs to go after all the fat and unnecessary positions in our central office. The BOE has so far stood pretty much silent on what kind of wage/benefit givebacks they are asking of the administration. I think that’s shameful.

    And I think that before a single classroom teacher/aide is laidoff they should publicly justify why it is not possible to cut additional administrative costs instead of classroom personnel.

    We have an entire Office of School/Community Relations that costs us 400k/year. The district can’t effectively communicate squat. Eliminate it and you’re already saved 6 entry level teaching jobs.

  186. Shore Guy says:

    “How much do you want to bet that the ones remain standing demand more money for the larger class sizes they will have to handle after the layoffs?”

    They will indeed, I suspect, demand negotiations over the severable issue of compensation, and the law requires that the Board negotiate. Coming to agreement is another thing but, one can envision PERC assigning a factfinder after the parties reach impasse and the factfinder issuing a report recomending a raise in keeping with the extra workoad.

  187. Anon E. Moose says:

    161.Final Doom says:
    March 4, 2010 at 2:24 pm
    moose (130)-

    If you stepped into my office, I’d shoot AT you without even thinking about it.

    Fixed that for you. This is the thanks I get for paying you a compliment. BTW, we all already knew about your thinking impairment.

    Seriously, dude, your shtick has long since gotten old. Between this and the TEOTWAKI stuff, you have no idea what a Cialis ad you sound like. I’m beginning to regret not dropping dime and having the USSS pay you a visit when you threatened to gas the SOTU.

  188. Al "The Thermostat" Gore says:

    Ron Paul. “The foundation has been eroded and we will be lucky if we can go 2 more years without a currency crisis.”

    “I personally buy gold”
    http://www.youtube.com/watch?v=udhlPoOgsmw

  189. House Whine says:

    College students were slated today to protest the ever-increasing cost of the luxury of attending a 4 year college. I don’t have the link right now but I know a few were scheduled to take place in NJ.
    The whole movement started in California (no surprise there). I guess the tuition/fess have finally reached the tipping point.

  190. NJGator says:

    Shore 191 – So the senior teachers get to keep their raise and get another. Beautiful.

  191. safeashouses says:

    NJGator,

    How about the cops in South Jersey that voted to keep their uniform allowance and not do a 2 or 3 day furlough. That town wound up laying off the two most junior cops.

    Government union members with seniority are some of the most selfish people in the US. Like an heiress but without a twitter following.

  192. Outofstater says:

    “Like an heiress but without a twitter following.” Love it!

  193. House Whine says:

    I’m not sure that it’s true that the gov’t union members are greedier than the rest of us. I think as a whole our society is damn greedy all the way around.

  194. poor guy says:

    From yesterday’s discussion…

    ” beanbear says:
    March 3, 2010 at 3:41 pm

    3b #121 — the “affordability range” seemed to pencil out AFAIK.

    = $4600/mo total for housing
    Your total monthly “housing-to-gross-income” ratio would be ~22%, which is decently lower than historical “maximum” ratio of 28% (at least acc’ing to bankrate.com etc.).

    I don’t know… am I missing something?”

    You are missing utilities (heating, AC, garbage etc), repairs, and general maintenance/improvement that can easily add $1K to your total. So $5600 is about half of the take home 220K combined salary.

    I don’t know what bankrate says but giving 50% of take home income to housing is not what I call “affordable”. There will be no savings for retirement or other expenses. If you want to see what affordable means look at 1997 prices.

  195. Final Doom says:

    moose (192)-

    1031 Rt 202, Branchburg. Walk in, announce yourself, and see if I fire a warning shot.

    I didn’t threaten to gas the State of the Union. I expressed a wish that someone else would. However, it would be a pleasure to personally shoot you.

  196. Final Doom says:

    moose (192)-

    Maybe you will find my partner in that day. He prefers bare hands.

  197. Al "The Thermostat" Gore says:

    Doom,

    This video will lighten your mood. Dont fight the oblivion embrace it. ;)

    http://www.youtube.com/watch?v=a8no3SMt1Ek

  198. confused in NJ says:

    189.dan says:
    March 4, 2010 at 4:02 pm
    I thought over-paying teachers in New Jersey was for the kids……

    Must be, In Berkeley Heights the kids T shirts say so, when it’s time to vote for the school budget.

  199. Mr Hyde says:

    Let’s lighten the mood a bit

    I present Hitler:
    http://www.youtube.com/watch?v=-_Q3KzUnHn4&feature=youtube_gdata

  200. Al "The Thermostat" Gore says:

    Rowdy protester target funding cuts at US campuses

    BERKELEY, Calif. – Students carried out raucous rallies on college campuses nationwide Thursday in protests against deep education cuts that turned violent as demonstrators threw punches and ice chunks in Wisconsin and blocked university gates and smashed car windows in California.
    http://news.yahoo.com/s/ap/20100304/ap_on_re_us/us_university_cuts_protests

    I think you guys are right. The private sector just needs to worry about preserving capital preferably in a mobile form. The tit suckers will do all the heavy lifting as far as protests go.

  201. Anon E. Moose says:

    204.Mr Hyde says:
    March 4, 2010 at 6:47 pm
    Let’s lighten the mood a bit

    Certainly. I Like Danny DeVito. Especially at 2:30-3:00 of this clip.

    http://www.youtube.com/watch?v=MfL7STmWZ1c

  202. Yikes says:

    Comrade Nom Deplume says:
    March 4, 2010 at 9:56 am

    Moreover, I expect that this will become a volume business (a la “Man on Fire”) and the real impact will not be felt by the highest earners as they are already well aware of this threat, but the HENRY’s who cannot afford the level of security that senior execs and their families get. Thus, it will be the corporate attorney, or senior v.p., with the columbian nanny, who finds out one day that Ellery and Graydon never came home from school, the nanny is also mysteriously gone, and there is a note demanding 500K by sundown. . . .

    my gosh that is doom and gloom to the nth power. geez comrade, where do you come up with this stuff?

    mentioned to wife and we made a quick checklist:

    a) no nanny
    b) ammo (i’ll make a run saturday morning)
    c) pay taxes, contemplate buying a third weapon

  203. Outofstater says:

    Local elementary school here held a Fun Run last year and raised enough money to hire a technology teacher for this year. They are having another Fun Run to raise the money to keep the teacher on for another year.

  204. Yikes says:

    Mr Hyde says:
    March 4, 2010 at 10:17 am

    Nom 52

    Kidnapping is already a rapidly growing industry in the southwest as mexican and south american gangs bring their SOP’s to the US with them.

    What is currently popular in mexico and will probably start to boom in the US are “virtual” kidnappings”. You get a phone call that they have a loved one and are demanding X$ within 2 hours or the person dies.

    They ask for a small enough amount that you can probably come up with it on short notice and they use a short enough time period that the person doesnt have time to actually come home. The key is that they havent actually kidnapped anyone. The do the recon and find out when a target will be away from family and communications for a period of time. The criminals then call the family and execute the “virtual” kidnapping. This all hinges on the family being unable to contact the family member and the threat of death or disfigurement being enough to force the family to act in a short time period.

    Another nasty version of the kidnapping game in mexico that is likely to pop up in the US is where they kidnap a low level person who has knowledge of a bigger fish’s finances/habits. The “ransom is simply that they give the kidnappers all the intel they need and and any additional assistance they may need. Once they get the bigger fish, the USUALLY dump the small fry without hurting them.

    wow, extra doom and gloom today. and i haven’t even gotten to comment 75.

    and here i thought Grim’s early comment about the recession maybe being half over would lead to positive news …

  205. NJGator says:

    N.J. is out of running in first round of federal ‘Race to the Top’ education funding

    New Jersey is out of the running for the first round of federal education funding from Race to the Top, a $4.35 billion competition that rewards states that promise ambitious but often-controversial reforms.

    Federal education officials announced 15 finalists today, fewer than 10 of which will get up to $2 billion. New Jersey officials vowed to make another attempt in June, the deadline for a second round that will determine who receives the rest of the funding.

    The competition aims to link teacher evaluations with student achievement and encourage more charter schools, among other measures. Forty states and the District of Columbia submitted proposals in January. New Jersey was seeking between $200 million and $400 million.

    New Jersey’s acting education commissioner, Bret Schundler, said he is “extremely disappointed” at the result. Further discussions with education union leaders, who almost universally opposed the application, will lead to a better showing in the second round, he said.

    “With their support of what the president is seeking from New Jersey, I’m convinced we will be able to put forward a winning application,” he said.

    As Trenton considers cutting aid to schools, some education advocates said the decision from Washington is a significant setback.

    “There were some innovative ideas that went into our state’s application, concepts that would have helped kids,” said Frank Belluscio, spokesman for the New Jersey School Boards Association. “It is money we certainly could use.”

    But union leaders and about half the state’s school districts remain skeptical.

    The New Jersey Education Association, the state’s largest teachers union, had recommended its local chapters oppose Race to the Top. Officials objected to provisions that emphasize standardized testing and connect teacher pay with results. They also questioned how programs would be paid for when the money ends, as well as the emphasis on charter schools.

    NJEA officials met with Schundler earlier this week. A union spokesman, Steve Wollmer, said the two sides agreed to examine the applications of winning states and consider modifying New Jersey’s proposal for the second round. But, he said, the group’s position remains unchanged.

    “We’re very comfortable with our opposition to this (program),” Wollmer said. “We think (U.S. Secretary of Education) Arne Duncan’s vision of how to increase student achievement is very, very misinformed.”

    The states that were named finalists today are: Colorado, Delaware, Florida, Georgia, Illinois, Kentucky, Louisiana, Massachusetts, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina and Tennessee.

    http://www.nj.com/news/index.ssf/2010/03/nj_is_out_of_running_for_435b.html

  206. Yikes says:

    Final Doom says:
    March 4, 2010 at 12:48 pm

    This time around, if the municipalities try raising property taxes, they will find themselves with a revolt on their hands.

    Will also probably see a few pipe bombs, etc detonated at municipal buildings “for effect”.

    clot, you know i love you man, but get it together. there’s no shot of this happening. the sheeple just dont care enough.

    i do enjoy the entertainment factor, though. i seriously LMAO to most of these comments.

  207. Mr Hyde says:

    Toyota is hosed:

    http://news.yahoo.com/s/ap/20100304/ap_on_hi_te/us_toyota_black_boxes

    It was clear from the initial reports that this was probably a ECU ( engine computer) issue.

    The funny thing, that there is a guy in prison from a fatal accident in which he claims his toyota accelerated of its own accord. He was driving a camary. This problem sounds like it may have been occurring for the last few years.

    John,

    When do you buy their bonds?

  208. PGC says:

    Al

    You stepping up to the debate or shall we but you down as; all hat and no cattle

    http://njrereport.com/index.php/2010/03/02/making-sense-of-the-foreclosure-numbers/#comment-372289

  209. Mr Hyde says:

    I like to see that NJ citizens still have a little drive and creativity left in them

    Thieves cut hole in roof and rappel down to steal 20 Apple laptops from a Best Buy, never touching the floor or setting off any motion detectors

    http://www.nj.com/news/index.ssf/2010/03/acrobatic_thieves_hit_nj_best.html

  210. willwork4beer says:

    36 Hyde

    From your Chile post:

    “We are our own hell”.

  211. Yikes says:

    how much cheddar you guys keeping at home?

    $2k?
    $5k?
    $10k?

    i can’t imagine a bank run lasting more than 2 weeks, right?

  212. Essex says:

    You guys were off the hook today.

  213. willwork4beer says:

    121 Hyde

    I read somewhere about dogs being poisoned prior to home invasions in Argentina.

    In a worst case scenario an attack has to focus on stopping the dogs, before they worry about you, which gives you a lot more time to respond and puts you at a strategic advantage.

  214. Mr Hyde says:

    Yikes,

    #1 No we are not going to admit to having large amounts of cash inour homes on a public website…

    #2 Look at what argentina did. They initiated a bank holiday. at the end of the bank holiday they devalued the currency and limited how much could be taken out at any one time.

    I am not saying we will do the same, but i could see sudden limits on daily withdrawals as well as other financial transactions.

    The end result is essentially the same, as restricting access to your own money allows the government to play all kinds of games.

  215. Mr Hyde says:

    Beer,

    You train your dogs to take food from no one but the immediate family members.

    Its not that hard to do. I had a dog trained to do that when i was younger

  216. galgon says:

    Stu (159)

    I doubt Sands will want to sell the Bethlehem casino before they get table games approved. They hopefully will have them approved in the next month and will have them installed by late Summer.

    I cannot wait. As long as they have some $10 craps and blackjack tables there is no reason for me to head to AC again.

    http://articles.mcall.com/2010-02-23/news/all-sands-table-games-022310-cn_1_poker-tables-table-games-pai-gow-poker

  217. Mr Hyde says:

    Beer,

    Do the training correctly and you can leave a fresh steak laying on the floor and the dog wont touch it until given permission

  218. Mr Hyde says:

    Beer

    Realistically hardening your home is a very interesting subject. There are a few key items that will make a huge difference in the potential outcome.

    Maybe a good chat for a GTG

  219. willwork4beer says:

    Hyde

    I’m sure you’re right. That part of what I read just stood out to me. These acts weren’t at all random. They were coldly calculated.

    They started out with poisoning the dogs in advance.

  220. Al "The Thermostat" Gore says:

    213.

    I actually was going to respond until I saw the tin hat comment about the UN. Until you get better informed I refuse to argue with supporters of that criminal enterprise.
    Start here.
    http://www.scribd.com

    Search UN Agenda 21 and Copenhagen Treaty. Then get back to me.

  221. Al "The Thermostat" Gore says:

    216.

    The bank run wont last forever but the devaluation will be overnight.

  222. Outofstater says:

    Keep the cars full of gas and the freezer and pantry full of food and your cash requirements during a bank holiday will be minimal.

  223. Yikes says:

    so these riots …

    http://www.youtube.com/watch?v=a8no3SMt1Ek

    this really happened in LA in 92? i was but a young middle school punk on the east coast … damn. my goals were trying to stink finger bunny cody (that’s from outside providence)

    i dont remember it being this bad

  224. PGC says:

    #225 Al

    You start responding to the rest and I’ll respond to you Agenda 21 and Copenhagen treaty and why it is Tin hat.

  225. Yikes says:

    hyde, you’re formally kettle, right?

    funny stuff.

    i cant believe someone mentioned ‘poisoning guard dogs.’

    that’s like straight outta Fletch

  226. njescapee says:

    Yikes, If what you’re referring to is LA after the Rodney King episode. yes it was really THAT BAD.

  227. willwork4beer says:

    230 Yikes

    I read a series of articles written by this Argentinian guy. He wrote about what his daily life was like. One of the things he touched on was the danger associated with leaving and returning to your home. He said that a lot of people there relied on dogs to make their property safer. Thugs caught on and started poisoning the dogs prior to making their move in home invasions. The victims were said to be regular folks, not rich, not special.

  228. PGC says:

    Article 21 came out of Rio in 1992 and came to a head in 2001 when GWB failed to sign on to the Kyoto protocol on the grounds that until China, India and Brazil sign on, he would not tie the hands of the US. The Copenhagen treaty was an attempt to bring a consensus between the biggest polluting nations in an attempt to get a consensus. All the nations agreed that something had to be done; they couldn’t agree how to achieve it. Unfortunately the smaller countries and Europe revolted as the considered the accord a fait acompli by the bigger nations and instead of being asked for input into the contents they felt they were being asked to Rubber stamp a blank page.

    As for what it is trying to achieve, there are a few sides to it. The main drive is sustainable development. This revolves against the fight against deforestation, the drive to reduce pollution from industry and the protection of lesser developed nations from exploitation.

    You can have an argument if there is such a thing as global warming, but you can’t deny the proof or sulfur levels and acid rain caused by carbon emissions. You can debate the merits and pitfalls of Cap and Trade and carbon trading as the right and fair way to police the polluters and have minimal impact into free market economics.

    As for lesser developed nations, type Nigerian Oil exploitation into your scribed search engine and see if you can work out why its there.

  229. Al "The Thermostat" Gore says:

    Regarding public education funding. 2/3 of most NJ residents property taxes goto their school district where the NJEA can hold the public hostage simply because the Mayor and town council cannot control the funding. The municipal budgets of most towns are 1/3 and the return on investment (police, fire, sanitation) is well worth the cost.

    Eliminating the property tax funding for public education will force the current public schools to become the charter schools. They then can compete with parochial/private schools. All parents opting to send their kids to private schools will receive a tax credit equal to the average cost per student. All other taxpayers will see their property taxes reduced by 2/3.

    Public education is already a for profit enterprise via the NJEA and private education costs on average 1/3 less per pupil as public education

  230. Al "The Thermostat" Gore says:

    23. No one is going to argue the merit of evironmental cleanliness.

    Elements within the UN have hijacked the environmental movement just like the neocons are hijacking the tea party.

    The combination of Agenda 21 with the Copenhagen Treaty sets up the financial element, and enforcement necessary to fund the ongoing control efforts. Its about socialist control and an elimination of national sovreignty.

    This video is a good summary.
    http://www.youtube.com/watch?v=IjA8Qz4daAY

  231. Al "The Thermostat" Gore says:

    The 2009 Financial Report Of The U.S. Government Is Out – America’s Economic Goose Is Cooked

    http://www.gao.gov/financial/fy2009/09frusg.pdf

    Lastly, one interesting tidbit in the 2009 Financial Report Of The U.S. Government can be found in footnote 2 on page vii of the report. In that footnote it tells us why the financial results for the Federal Reserve are not included in the report….

    The Federal Reserve is an independent organization and not considered a part of the Federal reporting entity. As such, their financial results are not consolidated into the Government’s financial statements.

  232. PGC says:

    #236 Al

    Did you actually read that report and pick up on that tidbit or is that a cut and paste from another site.

    I say that because a lot of the regular posters here actually understand what the Fed actually is, how and why it was formed and how it is governed. Therefore that statement is not exactly a surprise to them.

  233. PGC says:

    #234 Al

    “Eliminating the property tax funding for public education will force the current public schools to become the charter schools. They then can compete with parochial/private schools.All parents opting to send their kids to private schools will receive a tax credit equal to the average cost per student.”

    Wow, you really don’t have a clue. You do realise that you are proposing moving funding for education from local to federal level. Roll on big government and bring on the lawsuits.

  234. Final Doom says:

    al (226)-

    That’s called the Uruguayan Plan.

    “The bank run wont last forever but the devaluation will be overnight.”

  235. chicagofinance says:

    lost: check this out….in Italian, but the translation is below…

    http://www.youtube.com/watch?v=7eYAJDrLoB4

    Army Officer 1:
    Fuhrer, according to the early rumors we’ve reported…
    There were not significant modications, in the RAH setlist.
    A fan club girl sent me some photos, on MSN, showing Dave taking off his waistcoat .
    And she told me that 3 songs have been played with a string section, and two of them are Home and Come Back.

    Hitler:
    So, except for shirtless Dave wiggling his as$ and four violins, I haven’t miss anything important.

    A.O. 1:
    Fuhrer…
    Last night…

    A.O. 2:
    Last night Alan Wilder joined them on stage, it was a surprise…
    …and played the piano on Somebody.

    H:

    Get out those who love them since
    Sounds of the Universe
    Playing the Angel
    Exciter
    or one of their “Best of”.

    I’m a jinxed beggar!
    After 16 bloody years
    he joined them just when I wasn’t there!
    I said that! I felt that last night something would happen,
    something that would make me regret of…
    …of behaving like a tramp, saving money for once.
    Fcuking charity show!
    I went to so many of this tour dates that
    I look like a spastic groupie!
    This thing… this show against cancer,
    that only London millionaires are able to afford,
    is just another way to fcuk us fans over!

    A.O. 1:
    Fuhrer, videos are gonna be uploaded on youtube soon,
    and maybe we’ll have a new dvd…

    H:
    A DVD?!?!? Alan was there
    and I was at home watching Sanremo like an as$hole!

    A.O.1:
    Fuhrer, the most important thing is that they conciliated…

    H:
    Shut the fcuk up! This Tour of The Universe
    made me mentally sick!
    First, that bloody Dave Gahan!
    Shaking his as$,
    winking at first lines people,
    and then, after every gig, he disappears
    and you couldn’t catch him even if you were able to teleport
    getting to the hotel before him!
    You just meet Gordeno
    or, worse, a sound technician
    that you don’t give a fcuk to take a pic with!
    Bloody rockstars!
    With their hysterical whims!
    Is it that hard to smile at us poor morons
    while we’re waiting like dumbs
    in front of your extraluxury hotels?!
    I didn’t demand a kiss from Dave
    but, for fcuk sake, a little kindness
    just to make us feel not that retarded!

    And now, here comes Alan,
    and that’s bringing me a coronary.
    How do you think I feel?
    Me, devoted, since 81?!
    I missed such an epic moment!

    Last night…
    I wonder about how many
    preppy rich little tarts,
    who don’t give a fcuk about Depeche Mode,
    were clumping like cows in front of the stage!
    I guess they were thinking they were
    at whatever club for brainless ninnies
    not realizing what the fcuk was going on!
    While I was laying squashed on the sofa
    staring at that churlish Clerici
    who’g getting fatter and fatter, like a giant marshmallow!
    And with those two silly twats out there
    I was talking about Povia on Facebook!

    Silly Twat 1:
    Don’t worry…
    I root for Povia, too…

    H:

    The fact that Alan played with them
    is a miracle, for me.
    When he left the band
    at the end of the Devotional Tour
    I cried
    like a newborn who’s been struck with a hammer head.
    At least I hope…
    that they haven’t play anything from Speak&Spell.
    If I only had done
    those overtimes with Goebbels
    I would save more money
    and book a Ryanair flight
    and a sh!tty hostel in London.

  236. njescapee says:

    PGC, why not fund public education at the state level through income and sales taxes to maintain local control. kinda makes it more fair.

  237. Final Doom says:

    yikes (228)-

    It was that bad. I was there…and the movers were packing my house for the move back to NYC when it hit.

    Once the movers heard about Reginald Denny getting pulled out of his truck, they split (with half my furniture in the front yard). Meanwhile, my house was so full of smoke you couldn’t see from one side of a room to the other, and the National Guard had parked two tanks at the end of my block to keep the mob who had just taken apart a Gap store in about 27 seconds from looting houses in my neighborhood.

    I had a bull terrier at the time, and I put her on a spike in my yard, hoping people would think she was a pit bull (they did).

    Once the sun went down, everything cooled off, I dragged my furniture back inside, and me, my wife and dog got the hell out and stayed with friends at the beach.

  238. Al "The Thermostat" Gore says:

    238.

    “Moving funding from local to Federal level”

    If I really had my way I would eliminate public funding for education altogether. Consider yourself lucky that I offered tax credits. Of course folks like you cant comprehend the idea of living without government help.

    236. Yes that is a cut and paste from the 2009 report and find it interesting that it was documented in the report itself.

  239. Final Doom says:

    After making arrangements with the moving company to get the rest of my stuff, my wife and I decided to start driving cross-country for NYC, figuring it’d be good to clear our heads on the way.

    Natch, the first place we decide to go is Vegas. As we approached the city from the desert, we saw an enormous fireball. It was the central police station being blown up.

    Once we got to Vegas, the whole city was under curfew (which stayed in place for over 30 days, as the riots there were worse than LA). We were effectively trapped in Caesar’s Palace for our entire stay…which wasn’t so bad, as I used the sports book to bet gazillions on the Clippers, who took Utah to a 7th game and covered the number every game.

  240. chicagofinance says:

    Doom: JJ’s AMBAC bonds are scarier than that story…..

  241. Final Doom says:

    So, I can definitely high-function in a riot situation. I’ve been there, seen it, tasted it, improvised a little and dealt with some dicey situations. At the time, I also didn’t have a gun, as I was newly-married, and my wife was both skeeved out by weapons and didn’t really have a fix as to how demented I am. As she came to realize I am unpredictable, dangerous, cranky and liable to turn on loved ones as easily as enemies when I can’t get my way, she’s gotten more accepting of firearms.

  242. Al "The Thermostat" Gore says:

    244.

    I remember a few weeks later there was some MTV event in Belmar and riots broke out.

  243. PGC says:

    #235 Al

    Tha video is priceless. I am now the 105th viewer. How do you find this stuff trollfodder.com?

    Here is a better discussion of the CA central Valley water issues.

    http://www.npr.org/templates/story/story.php?storyId=103950335

  244. Final Doom says:

    chi (245)-

    A regular shit sandwich on rye.

  245. Al "The Thermostat" Gore says:

    Suspect, Police Hurt in Pentagon Shootout

    “Two police officers were injured by a suspect who opened fire outside the Pentagon tonight after the officers asked him for an access pass, police said.

    The suspect was identified as John Patrick Bedell, sources told ABC News and The Associated Press, which added that he was 36 years old. Keevill would only say the suspect was “an American citizen, as far as I know.”
    http://abcnews.go.com/US/pentagon-shots-fired-police-officers-reported-injured/story?id=10014570

  246. njescapee says:

    Doom, just let us know when you start to hear dogs talking to you. ok :-)

  247. Final Doom says:

    al (236)-

    Not one penny of GSE debt is on the federal books.

    Tack the GSE balance sheets onto them, and we’re f-ing Ethipoia.

  248. PGC says:

    #241 njescapee

    I personally think it is better done at the county level. It balances the statewide need for a level playing field with the local requirement of delivering a tailored solution to the local area. For instance busing kids in the rural areas of NJ is going to be a different requirement from the transportation requirements of a dense population area like Bergen and Essex.

  249. Final Doom says:

    escape (251)-

    The dogs are only a problem when they start giving me commands.

  250. Al "The Thermostat" Gore says:

    248.

    Ah, I should have known better. F#ckin NPR news Communist radio network. Have a smooth quiet voice while I subvert your country into a 3rd world sh#t hole.
    No thanks. Ill listen to the farmers effected not the UN criminal cartel.

  251. chicagofinance says:

    248.PGC says:
    March 4, 2010 at 11:10 pm
    #235 Al

    Tha video is priceless. I am now the 105th viewer. How do you find this stuff trollfodder.com?

    Here is a better discussion of the CA central Valley water issues
    http://en.wikipedia.org/wiki/Dissociative_identity_disorder

  252. Final Doom says:

    The best discussion of CA water issues is Chinatown.

    “Can you believe it? We’re in the middle of a drought, and the water commissioner drowns. Only in L.A.”

  253. Final Doom says:

    Chinatown still might be my favorite movie ever.

    Some days, though, it’s Midnight Cowboy, A Clockwork Orange or even Citizen Kane.

  254. Final Doom says:

    “You’ve got a nasty reputation, Mr. Gittes. I like that.”

  255. Yikes says:

    Final Doom says:
    March 4, 2010 at 11:07 pm

    So, I can definitely high-function in a riot situation. I’ve been there, seen it, tasted it, improvised a little and dealt with some dicey situations. At the time, I also didn’t have a gun, as I was newly-married, and my wife was both skeeved out by weapons and didn’t really have a fix as to how demented I am. As she came to realize I am unpredictable, dangerous, cranky and liable to turn on loved ones as easily as enemies when I can’t get my way, she’s gotten more accepting of firearms.

    we need a universal signal in case the SHTF and we cross paths trying to fight roving bandits for gas.

    let’s use the seinfeld line (costanza, of course)

    KLAP-TO-BARATA-NICKTO

  256. Final Doom says:

    yikes (260)-

    My luck, we’ll get backed into a corner together, then have to do the Butch-Sundance thing Fatso was talking about a few days ago.

  257. PGC says:

    #255 Al

    Its affected, not effected.

    Still waiting to hear where you pick this stuff up. 104 view since Dec 09. You hae to look hard to find that.

  258. Final Doom says:

    PGC (263)-

    Those SOBs raised the riot to an art form.

    I get the feeling that whole country could go back to it in 24 hours. People who naturally just like to fight are the only ones that scare me.

    And…those mf-ers are so crazy, they’d hook up with AQ just to prove a point.

  259. Al "The Thermostat" Gore says:

    Why are you focused on the view count not the content? Or does the truth not conform to your NPR indoctrination.

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