From the WSJ:
Home Prices Seen Making Stronger Gains in 2013
Many housing analysts underestimated the severity of the home price crash when the downturn began seven years ago. Now, many are racing to keep up with the current rebound.
At the start of the year, the conventional wisdom went something like this: home prices rose so much last year, they will probably have to cool down a bit in 2013. But the first three months of the year have shown the conditions that produced last year’s gains are just as strong — if not stronger — than last year.
The S&P/Case-Shiller index on Tuesday reported prices in January were up 8.1% from one year ago, up from a 6.8% annual gain in December.
Two analysts who have stayed ahead of the pack are among those upgrading their forecasts for 2013. Ivy Zelman, chief executive of research firm Zelman & Associates, said Wednesday she was now expecting prices to rise by 7% this year, up from earlier estimates of 6%, 5%, and 3%. Zelman was one of the first analysts to identify the turnaround in late 2011 and produced some of the most accurate housing forecasts last year.
She’s also calling for a 5% gain next year because she says the supply shortages and growing demand that fueled last year’s turnaround show no signs of easing. “The shortage of housing capacity continues to resonate,” Zelman said in a research note on Wednesday. “Just as deflation was a national headwind that stretched deeper into the economy than anyone would have imagined, we believe that appreciation can carry broad, positive implications for the consumer and economy beyond many expectations.”
John Burns, who runs a real-estate consulting firm in Irvine, Calif., is calling for a 9% gain in home prices this year, up from a 5% forecast late last year. The reason: strong investor demand and low interest rates that have boosted the purchasing power of buyers. Burns had similarly turned bullish on housing early last year.
…
A quarterly survey of more than 100 economists and housing forecasters last found that all but two expect prices to rise this year, with the average forecast of a 4.6% gain. Among those who have revised up their forecasts in the last month are analysts at Morgan Stanley, Bank of America, Capital Economics and J.P. Morgan, which have taken their forecasts to 6-8%, from earlier predictions of 3-6%.
From MarketWatch:
U.S. foreclosure inventory up 9%, says RealtyTrac
U.S. foreclosure inventory jumped 9% in the first quarter from a year earlier, led by an increase in pre-foreclosure properties, according to market researcher RealtyTrac.
The total number of U.S. properties actively involved in the foreclosure precess and bank-owned properties totaled about 1.5 million properties in the first quarter, according to RealtyTrac’s first-ever U.S. foreclosure inventory analysis. However, the tally is 32% below the peak of 2.2 million in December 2010.
“Delinquent loans that fell into a deep sleep after the robo-signing controversy in late 2010 are gradually coming out of hibernation following the finalization of the national mortgage settlement in April 2012,” said Daren Blomquist, RealtyTrac vice president. “The settlement provided some closure regarding accepted foreclosure processing practices, and as a result lenders have been reviving more of these delinquent loans and pushing them into foreclosure over the past 12 months, particularly in states where a lengthy court process has resulted in a bigger backlog of non-performing loans still in snooze mode.”
The report also found that the increase in foreclosure inventory was led by a 59% jump in pre-foreclosure inventory, while inventory of homes scheduled for foreclosure auction slipped 25% and inventory of bank-owned homes decreased 3%.
Among properties actively involved in the foreclosure process, excluding bank-owned properties, 35% were properties identified as vacant or where the homeowner had moved.
Good Morning New Jersey
Can anyone recommend a good gas grill that will last a long time? I had a Kenmore for 5 years that was fantastic, but it got to the point where it needed new burners and a new venturi tube, and it no longer paid to swap out parts. I don’t need anything huge, but I’d like something full-featured and don’t want to spend a fortune. It will remain outside all year, covered when not in use.
Good morning from Chengdu, China. Having more spicy food for dinner. Parking lot has Rolls, Range Rovers, Maseratis, Porches, plus many Mercs, Audis, and BMWs. Most money made via property and govt jobs or connections, I hear.
Delinquent borrowers can get break on government backed mortgages without claiming hardship after 90 days past due http://www.reuters.com/article/2013/03/27/us-usa-housing-mortgages-idUSBRE92Q0L420130327
5 De Marco finally gave in. They were calling for him to get fired for resisting modification on GSEs
5 – Wonder if there is any way to squeak through that process and get a zero cost refi.
tru dat!
JJ says:
March 27, 2013 at 2:49 pm
Actually the poorest people in USA are folks in the bottom of the top 1% of earners.
From the APP:
Three tracts for sale at Fort Monmouth; 600 homes possible
Three more parcels of the former Fort Monmouth property, which could yield about 600 new homes and nearly 260,000 square feet of retail and commercial space, are up for sale.
Student loan bubble goes Pop!
From CNBC:
Surging Student-Loan Debt Is Crushing the System
Student-loan defaults surged in the first three months of 2013, while efforts to collect bad loans are faltering, according to credit analysts and government audits. It is the latest twist in a college debt crisis that is hanging over recent graduates and dragging on the broader economy.
Credit-rating firm Equifax said $3.5 billion in government and private student loans went bad in the first three months of 2013, the most since the company began keeping track. The U.S. Department of Education said 6.8 million federal student loan borrowers are now in default, representing $85 billion in debt. And the department’s systems for collecting the bad loans are struggling to keep up.
7- I bet zero cost refi modification comes with that. That will be a great deal. Modify to a lower mortgage amount and a 3.8 interest rate with zero cost on top
[10] grim,
It starts. Soon more will hear the mantra from our youth, directed to Obama: “you owe us.”
#10, well, supposedly, these loans can’t be discharged and Social security can be garnished, maybe that solves the problem in the future, college grads just won’t be collecting any SS because it will all be garnished!!
#10
The college tuition problem will persist well into the future if parents keep spending all their money and have nothing left to help the kids with the costs. The costs have gone through the roof. I am three years away from college for my daughter. I recently checked Montclair State tuition costs per semester. It is minimum $4,ooo per, so that is $8,000 a year. That does not include fees, books,- and if you need it – housing. I can see more kids in the next decade commuting to the state college rather than living on compus at some private college.
U.S. foreclosure inventory jumped 9% in the first quarter from a year earlier
So the foreclosure inventory is up, but sales of houses are on the uprise… Does that mean that the houses being sold today will be in foreclosure in 5-10 years from now?
#14, I think Montclair is closer to $6k per semester. In any event my SIL called my wife yesterday, they are trying to see if their graduating daughter who should start at $80k as a nurse, they say, can help pay off their (the parent’s loans). Their daughter owes $28,000, the parents (SIL) owe $78,000 and their son is going into year 2 at Syracuse which is almost $60k all in. They just ran calcs and realized their EFC will go up now that the daughter isleaving college. The Husband (BIL) “retired” 12 years ago at 40 because work was hard. So they have no savings…but do a good job borrowing from family. Of course son could have gone to St. Johns full ride but liked Syracuse better!!!!
The plan seems to be to have their daughter pay off both sets of loans….we’ll see if that works….even at $80k that is a stretch.
Forward slash before the “I” to close italics
Stafford loans any payments made within 120 days after disbursal goes into principal. If you paid a $4000 loan taken at the beginning of the semester within 120 days, no interest will incur.
#16
That is sad and probably happening a lot more than we all know. I have worked hard at not being that kind of parent. My daughter will appreciate it when she is old enough to understand why we didn’t go on an expensive vacation every year, or buy a new car every two years.
#17
ok ok got it.
[13] condobuyer
I expect that in the coming years, Hillary’s position on this will “evolve.”
#21, of course! Since my wife and I are killing ourselves to avoid loans and live within our means and save to pay in full, the only thing for sure will be the full scale “forgiveness” of all college loans outstanding..I expect nothing less!! Take out those loans!!!!
#19. You work hard not to be a bad parent?
They should give you some kind of award.
Jill webers are expensive but I still use the one my fil bought in the 90s. I’m now seeing aftermarket parts like the flavorizer bars too. Still starts with the first click of the original electric igniter. You won’t regret it.
Jill says:
March 28, 2013 at 5:43 am
Can anyone recommend a good gas grill that will last a long time? I had a Kenmore for 5 years that was fantastic, but it got to the point where it needed new burners and a new venturi tube, and it no longer paid to swap out parts. I don’t need anything huge, but I’d like something full-featured and don’t want to spend a fortune. It will remain outside all year, covered when not in use.
12 – It starts. Soon more will hear the mantra from our youth, directed to Obama: “you owe us.”
They might have a point… I expect that the question most STEM graduates will be asking is why the H1B program continues to issue more than 100k visas annually. For years we’ve driven STEM into their heads, and now they graduate into an environment with few jobs?
Unless, the intent was to create an oversupply of cheap labor…
#23
Never said I needed an award-never said I worked hard at not being a bad parent. Said I didn’t want to be a parent who needed my kid to bail me out of my mistakes.
#16
Jesus, people really do that to their kids? At least I know where the bar is set when I start breeding…
Nom [12];
Memo to youth from the White House janitor: The boss says “Thanks for the votes, suckers.” Oh, and “Fnck You, Pay Me!”
By BILL VLASIC
Last Updated: 9:41 PM ET
With the luxury vehicle market booming, automakers are rushing to fill their showrooms with expensive new models now on display at the New York auto show.
Overall vehicle sales have risen 8 percent so far this year in the United States, while the market for high-end cars and S.U.V.’s has increased by 11 percent, according to the auto research company Kelley Blue Book.
The surge in the luxury market, analysts say, is a sign that wealthy consumers sense that the nation’s financial health is solidly improving in ways that reinforce a willingness to splurge on expensive new models.
“A lot of luxury customers were waiting to see how things would shake out in the economy and the stock market,” said Alec Gutierrez, an analyst at Kelley Blue Book. “But they are becoming more and more confident.”
I think there will be more online learning. Why commute to Montclair when you can just listen to the lecture online. Visit the professor’s office when you want if you have questions or contact him online. Then report to the local secure testing center when it’s time for exams.
14.Natasha says:
March 28, 2013 at 7:43 am
#10
The college tuition problem will persist well into the future if parents keep spending all their money and have nothing left to help the kids with the costs. The costs have gone through the roof. I am three years away from college for my daughter. I recently checked Montclair State tuition costs per semester. It is minimum $4,ooo per, so that is $8,000 a year. That does not include fees, books,- and if you need it – housing. I can see more kids in the next decade commuting to the state college rather than living on compus at some private college.
Jill I’ll second the Weber. We have a 3 year old genesis and with a little care it is still operates like the day we got it. Just make sure you get the American made weber and not the chinese one.
Jobless claims up 16k to 357k, 4 week average up 2,250 to 343k.
Check Craigslist for second hand Webers, occasionally you’ll see one of the high-end models pop up for the same price you’d pay for a new low-end model at your local (rip-off) garden center. Saw a couple at the end of last season that looked basically brand new and could easily be had for more then 50% off original price.
“Jill webers are expensive but I still use the one my fil bought in the 90s.”
LOL, we’re also still using the Weber my in-laws bought sometime before I met them in 1997. It ain’t pretty but except for replacing the grates, we haven’t had to do anything to it.
Trouble with that is biggest single problem with college kids is they have no social skills or business skills. They communicate via, text, facebook etc. In person college teaches them how to interact.
When I spoke at a college event a few weeks ago. 250 students got to hear my words of wisdom. I scanned the audience, watched kids behaviors, talked to a few afterwards and in the end I would say only around 3-5 of them were future senior management material.
One took my card and sent me an email afterwords, with massive spelling errors even worse than I could ever do. A massive 30 word sentence that had past, present and future tenses all mixed in with spelling errors.
Usually Folks like me decide in 5 second if I want you. Come in to my office, look me in eye, firm handshake, nice suit, on time, clean, have resume with you and business card. From there just dont spill hot soup or coffee on me. Guess what 90% of kids cant last five seconds in an interview.
Let me quote the great Joey B. A managing director at a broker dealer back in the 90s. He said I am easy, I like good looking smart consultants, I like not so good good looking smart consultants, I like not so bright but good looking consultants.
But whatever you do dont sent ugly dumb people down here. I get caught hiring dumb ugly people at $200 an hour I am screwed.
Anyhow. I would say the sad part is 75% of kids were not good looking, and of that 75% 90% were dumb.
College is a waste of money on most of these kids. It is kinda like the washed up stars on that realty show Splash where the three best divers in the world attempt to teach them how to dive. One gold medal diver said I will do my best, but unless you are young, in shape, not too tall and have a trained gymnastics background and have no fear of heights there is only so much I can do.
Sadly at the College event I felt like I was the judges of splash teaching kids how to get their own corner office on wall street. I also love kids named stuff like Gung Ka Pa Cho, whose parents dont speak a work of english, whose kids go to cram schools all day long who graduate with a 3.9 who are like five foot two inch, thick glasses and mumbles in broken english who think they are walking into Goldman with that diploma and getting a job.
Biggest issue with college is it lets kids think if they drop 200K in tuition and get straight A’s they are set. Yep that is how it works.
Brian says:
March 28, 2013 at 8:35 am
I think there will be more online learning. Why commute to Montclair when you can just listen to the lecture online. Visit the professor’s office when you want if you have questions or contact him online. Then report to the local secure testing center when it’s time for exams.
Do what? I have clients whose sons are in their mid 20’s and both attended Delaware. Each has $120,000-$130,000 on their head. Parents owe nothing…..there you go.
JSMC says:
March 28, 2013 at 8:26 am
#16 Jesus, people really do that to their kids? At least I know where the bar is set when I start breeding…
I apologize if I offend anyone. If the student is going to attend Syracuse or Fordham and has to borrow significantly, then they need to pull at least a 3.4-3.5 in a real major. If you want to putter along with a 3.0 or less, then the kid can go to a state school.
Chi in the end that is the reality. Dream schools with ridiculous majors will put you on the long road to serfdom. Listen if you are going to get a full ride take it and don’t jeapordize it. My twin nephews got full rides to a florida state school, i looked both of them in the eye and basically said don’t f*ck it up. One of them is a smarty pants know it all like me and he will just like I did. the other one I think is listening but time will tell. nothing worse than a costly mistake, sadly that is exactly what most of these univeristies have become.
When I went to school, it was night classes and I was also working, first in retail then in banking. Partied at the bars at night too after classes. I was not a wallflower. Also took a few online classes to graduate faster. That’s not necessarily true. I think you could argue that they will be more sociable than you. The kids you are seeing are probably just immature. I don’t think that has much to do with their learning experience in college. It’s probably just the age.
35.JJ says:
March 28, 2013 at 8:50 am
Trouble with that is biggest single problem with college kids is they have no social skills or business skills. They communicate via, text, facebook etc. In person college teaches them how to interact.
Corporate profits in the fourth quarter advanced to $1.774 trillion annualized, up from $1.742 trillion in the third quarter. Profits in the fourth quarter grew an annualized 7.5 percent after gaining 19.9 percent in the third quarter. Profits are after tax but without inventory valuation and capital consumption adjustments. Corporate profits on a year-on-year basis increased 13.3 percent, compared to up 17.9 percent in the third quarter.
I am an elementary school teacher, have been for 15 years. I feel like I am teaching all ADHD kids these days. There is no focus. You can teach and practice the same things with them over and over, and they still make the same mistakes. I drill into my second graders that “alot” is not a word. They are not allowed to write it on any papers for me (should be “a lot”). Then I read their written work when they get into upper grades and I see “alot”. Sad thing is that some of the teachers don’t even realize that “alot” is not a word.
Ottoman, I don’t know if they were using better steel back then or what. My parents always had kenmores etc, that rusted to sh1t. That’s how you know you needed a new Kenmore. This weber, I just took it all apart to clean it and adjust the front burner. I was sure I would have to cut a few rusty screws to get it apart but, nope, not a spot of rust on it. Came right apart no problem with a screwdriver and a crescent wrench. And I know my FIL totally neglected it and left it in the rain. The flavorizer bars did rust out at one point but I found a place that sold them aftermarket in stainless steel.
34.Ottoman says:
March 28, 2013 at 8:42 am
“Jill webers are expensive but I still use the one my fil bought in the 90s.”
LOL, we’re also still using the Weber my in-laws bought sometime before I met them in 1997. It ain’t pretty but except for replacing the grates, we haven’t had to do anything to it.
I apologize if I offend anyone. If the student is going to attend Syracuse or Fordham and has to borrow significantly, then they need to pull at least a 3.4-3.5 in a real major. If you want to putter along with a 3.0 or less, then the kid can go to a state school.
College has been the new subprime for years. Who cares if you couldn’t afford it, or had no business going. The God-given right to own a mansion transformed into the God-given right to attend the most expensive schools. Blah blah blah, equal opportunity for all, only that was never the case.
The way I see it is this, business was initially focused grabbing the largest wallet share. When there was nothing left in the wallet, the securitization market allowed business to focus on grabbing the largest portion of debt share via lending. Companies quickly realized you needed to be the first to the trough in order to gain the largest share. It initially started with issuing credit cards to college kids. College debt is now the ultimate manifestation of that trend, it enables the largest grab of debt at the earliest time possible. It makes the diploma mill job training companies of years past look like rookies.
At no point did anyone stop to think, “Can this kid actually afford to take on $120k worth of debt for an undergrad?” If you can’t afford to pay cash, and you can’t afford to service the debt, then frankly, it doesn’t matter if you can pull a 4.0, or you *deserve* to go, you can’t afford it, done, over.
Muni bond Investors will receive about $91 billion combined in June and July from maturing bonds and coupon payments, the highest monthly amounts in 2013,
CASH CASH CASH we are still in a sea of liquidity. With housing inventory slim to none, good bonds non existent and stocks at multi year high it is no suprise folks are buying lux cars and taking fancy vacations again. Cash is piling up. What recession, that ended four years ago
At no point did anyone stop to think, “Can this kid actually afford to take on $120k worth of debt for an undergrad?” If you can’t afford to pay cash, and you can’t afford to service the debt, then frankly, it doesn’t matter if you can pull a 4.0, or you *deserve* to go, you can’t afford it, done, over.
Isn’t this true of everything around us? Cars (everyone needed a Mercedes all of a sudden), vacations, houses, clothes (gotta have that designer label, which by the way is made in China), etc…
Out of Attorney review and onto inspections. Hopefully they will come back with some more money. Das Uber Inspector was unfortunately not available in my time frame, he is booked solid.
Yes and No, no one over the age of 30 is asked their GPA anymore. So graduating harvard bottom of you class is worth more than a 4.0 for a good college.
I dont really look at or care about GPA. I bet I could teach you more about bond trading over a few beers than you learned in a few semesters in school.
Here is a tip of the day you wont learn in school, in a crowded subway or bar when a hot girl squeezes by facing you she wants to sleep with you, when she squeezes by your with her butt facing you you are out of luck. Go a job offer once at Goldman as HR girl squeezed by in Ryans face first. Invited me to lunch at GS cafeteria to discuss job opportunities, got me interview. Then GS made me come back two more times to cement deal and HR girl became needed. I plowed her harder than an Amish Farmer and by the time the job offer came, the girl was entering crazyville. Crazyville is a girl in her late 20s worried that her bioligical clock is ticking and all the good men were about to be taken. Then I got we could eat lunch together, I could stay over your place in Manhattan a few nights a week. OMG I ran and I ran. Did not take job thank god.
Yet I am amazed these folks in school take on hundreds of thousands of dollar in debt and study night and day for 8 years of HS and College to get a job at GS that the average good looking guy could get in ten minutes by flirting with the HR girls.
chicagofinance says:
March 28, 2013 at 8:57 am
I apologize if I offend anyone. If the student is going to attend Syracuse or Fordham and has to borrow significantly, then they need to pull at least a 3.4-3.5 in a real major. If you want to putter along with a 3.0 or less, then the kid can go to a state school.
Funny out by me you do the home inspection before attorney review.
Natasha 41 Sad thing I didn’t know either about alot not being a word. Better put my spell checker on.
#49 Mike
A lot (two words) is an informal phrase meaning “many.” It can take an adjective, for example, “a sizeable lot.”
Example: Karl needed a lot of time for the job.
Allot means “to distribute between or among.” It has the same root as lottery.
Example: He allotted three breaks a day to everyone in the department.
Alot does not exist as a word.
I am waiting for Webster to change it and add it as a word because sooo many people use it incorrectly. It is not the students at fault. There are too many teachers unaware of it themselves. Just one of my pet peeves.
#37..don’t worry…he is an “Art” Major…..
[47] JJ
“So graduating harvard bottom of you class is worth more than a 4.0 for a good college.”
Sadly true. I have known more than my share of Ivy Leaguers who could not think their way out of a wet paper bag. Most of them were Harvard grads or students.
The Ivies are like law school: The hardest thing about them is getting in.
48:
I never understood why Jersey does the home inspection after Attorney Review but in NY it is before. Is it a law? Seems to make more sense to find the problems before you sign a contract.
[25] grim,
I think that the intent was a form of stimulus and a short-sighted attempt to deal with the death of the manufacturing economy. Fact is, the advantages that the US enjoyed over much of the 20th century, advantages that permitted massive wealth generation and the creation of our middle class, have largely dissipated. We are seeing more competition in more areas than we ever had, showing up our inability to compete, and at the same time that technology is replacing more bodies.
#52
The same is true of high school grads. My daughter goes to catholic high school, girls that graduated from there told me point blank that colleges don’t care if you were in honors classes or got straight “A”s, if you graduated from there you are accepted.
Natasha I know what you mean. My daughter is the quiet one, doing what she’s told. Its almost like I think she has a problem because all the other kids are running around having fun. Maybe I should give her froot loops for breakfast.
LOL, she will be better off for it later. That is what I keep telling myself even though everything aroud us says the opposite. It is so hard to keep them grounded when all around them there are these influences that tell them to be lazy it doesn’t matter.
JJ – Considering the place I am buying was gutted, blown out and most rooms completely remodeled it is going to be tough to find defects even for someone with my mad skills. I am buying a place that only needs a few rooms painted different colors and some tile to replace.
I am going to pull up the tile and do some nice slate with a border. My two projects are paint over ugly colors and do a small slate floor should be done by mid June.
I will be spending my summer by the pool and at the beach, and I already have an invite to play golf at a local country club. I will not be playing the role of the harried husband with the never ending Honey Do list of projects that look easy on HDTV but in reality require the skills of a master carpenter, a landscape architect and the back strength of a dozen day laborers.
“The U.S. Department of Education said 6.8 million federal student loan borrowers are now in default, representing $85 billion in debt.
Isn’t 85 billion the last number I read when we combined the unfunded medical and pension promises of NJ’s public workers. If 85 billion is a bubble bursting, then what the heck is the unfunded pension and medical issue on the national level. Can’t be less than half a trillion no? Now that’s a spicy meatball. Hopefully I’ll be lying in my hammock in Central America when it all goes down.
GriMBA Course List:
Public speaking
How to run an effective meeting
How to host an online meeting
How to write a proposal
How to create an effective powerpoint
How to calculate an ROI
How to make a decision
How to read and write a contract (Aka FU-101 – How not to get f*cked in business)
How to negotiate
Accounting 101 – Yes, the actual class
Statistics 101 (aka – FU-102 How to lie with statistics, cross listed under “Effective Business Reporting”)
Business Law 101 – How to know when your lawyer is f*cing you
Accounting 102 – How to know when your accountant is stealing from you
Sales 101 – How to know when the salesperson is lying to you (cross listed under ‘Effective Sales Techniques’)
De-entitlement seminar – How not to be a pompous prick
IT 101 – How to effectively communicate with IT resources (cross listed under foreign languages)
DO NOT SEND THAT EMAIL 101 – Tips for effective email communication
re # 59 – Aren’t the cosigners the parents? Isn’t that required? Time for Uncle Sam to get judgements and the local sheriff to go after the bank accounts.
Anecdotal a co-worker remarried and his new wife when she divorced went bankrupt and stuck it to the government on loans for her kids education, not sure how she pulled it off but apparently walked away from most debt in divorce and bankruptcy. Both of her Gen Y kids are now living in the south working in the public sector earning like 40k a year. Now she is trying to bankrupt my coworker they purchased a big home (on his credit only) they did not need a few years ago (I tried to talk him out of it) and all kinds of new credit lines on his dime. His 1st home he did not sell and he has been renting it out for the last few years, now the deadbeat renter is 3 months behind. He joked about walking from the new underwater home the other day and back into his smaller home with the smaller nut.
Once a bad debtor always a bad debtor. Just like never stick your junk in crazy never stick your junk in a deadbeat.
Comrade,
“I think that the intent was a form of stimulus and a short-sighted attempt to deal with the death of the manufacturing economy.”
That is too naive. This country has always exploited cheap(er) labaor in various forms since even before it was founded.
Natasha… I can completely relate A LOT. I received a resume from a recent graduate who claimed to have ‘ingested’ and edited videos at her last job.
As for partying in college…I was bad. At the end of my freshman year, I was on academic and residence life probation. My GPA was a 2.1. A short four years later, I graduated with honors, but my aspirations for transferring to a better school were ended with that first year. What made me turn it around? My parents stopped paying for my education (mostly it was my money, but they had invested it well through my upbringing). My parents were solid middle class so I couldn’t qualify for loans, so I had to get creative. I had enough money of my own saved to last a year while working part time at the Willowbrook Mall and driving forklifts for the pharmaceutical warehouses on every break from school. I ended up rapidly climbing the residence life student worker job ladder. By my third year I had earned free housing (and a single room) as a manager of the Resident Assistants. I also earned a tuition stipend through managing the college radio station and managing a couple of computer labs. I also occasionally wrote for the school paper. Best of all, these jobs allowed me to study. When it was all said and done, I even took home $50 per week which covered the beer money. The free housing/tuition gig was so great that I completed 2/3rds of my masters on their dime as well. This lasted until I was unfairly framed for having alcohol in my dry dorm over a vacation. A different building director (not a dry building) gave me a 6-pack as I was leaving for Winter break and I left it in my fridge as I didn’t want to have to carry it on the bus/train/bus ride to my folks house. They inspected all of the rooms over the break and when I returned, I got busted. Fortunately, they let me complete the rest of the year on a don’t see, don’t tell basis.
My guess is that people can still go this route, but it’s probably harder than it used to be. Parents need to raise their offspring to be independent and entrepreneurial in nature. The coddling I witness makes me want to puke. When I take Gator Jr. to the rink, he has to carry his own equipment and stick, even though I’m empty-handed. Two nights ago, I taught him how to grind and brew Gator and me coffee in the morning. When I pick him up at a friends house after an after-school play date, my friend’s moms collect his backpack, put on his shoes, etc. That is, until I ask them to stop.
As to the ADHD topic…I don’t doubt that there are some real physical mental issues at work with these kids. I know I can only offer anecdotal evidence, but it appears that the worse these kids behave, the more their parents spoil them. One first grader I know was suspended for his behavior and his dad took him to a Mets game on his day away from school. My kid wouldn’t go to another sporting event in his pre-adult life, if he got suspended from school. Yesterday, he got in trouble since an ADHD kid (a close friend) wouldn’t stop bothering him. Our teacher told us this was the case, but that our son needs to walk away from him). Gator Jr. spent the evening reading. No electronics, no tv, no toys. He asked what would happen if the teacher called again. I told him that he needn’t ask that question as the teacher will never call me again. He still pried and I told him that he wouldn’t get to use any electronics for the rest of the school year. He won’t be getting into any trouble anymore.
I was a sleepaway camper from kindergarten until I was well into college (I was a paid counselor by then of course). I could always whip the ADHD kids into shape. I would give them nicknames that played on their behaviors. The kid who was afraid of thunder got the nickname Thunder. The kid who couldn’t have sugar we named Zacharin (his real name was Zack). The hyperactive kid we called Ratchet (as in Nurse Ratchet). When these kids acted up, they had to miss their activities. After once or twice, they would learn to control their anxieties. It’s a shame teachers can’t behave in the same manner. It’s always a lot easier when the parents won’t see their kids again for another eight weeks and the kids will have forgotten how mean I was by then.
[60] grim
“Business Law 101 – How to know when your lawyer is f*cing you”
The degree to which you will be overbilled is directly proportional to the prestige of the firm’s address, the firm’s AmLaw ranking, and the amount of lobby art.
Libtard,
Regarding your Amex cash back card, you said you’re grandfathered in on some older promotion. Why haven’t (can’t) they change the terms of the rewards program like every other company does whenever it suits them?
NY realtor usually has a binder thing, where you and owner sign and give like a $500 check that is not even cashed to lock in price. Then you have like 7-10 days to have a home inspection done. Then you go to contract and seller either adjusts price or agrees to fix by closing. Less headache for sellers as you dont have folks playing games with you after you engaged an attorney. Guy I bought house from he had the binder, I paid for inspection and if I backed out I was out cost of inspection and he was out nothing as he had no lawyer involved
POS cape says:
March 28, 2013 at 10:03 am
48:
I never understood why Jersey does the home inspection after Attorney Review but in NY it is before. Is it a law? Seems to make more sense to find the problems before you sign a contract.
Lib unfortunately most parents are enablers of bad behavior, something we are finding out quickly when women in wifey’s moms group come over with their spawn. The little helions get away with everything and are rewarded with it. I hope I’m better than than them, but crap is it hard.
Joyce…I’m not sure why they are not forcing me over into their newer program. The new program does not have an initial spending requirement before the cash back improves, but it only offers 3% cash back in the big three categories. Mine offers 5% back in the same three categories, but it’s 1% until I spend $5,000. Since I’m only getting between 1.25 and 1.5% back on my everyday purchases, I just use the Amex Blue for everything until I hit $5,000 and then only use that card for the big 3 categories after that. I’ve been a member since 2006 and I purchase everything on the card (I mean everything), so maybe their afraid I’ll leave. Perhaps they’ve checked my credit and see that I have like 20 lines open and 400K in credit availability which would make it easy for me to drop them. For what it’s worth, they do send me an opt-in letter and a very tricky opt-in email for the new program about every three months. I once almost accidentally clicked it as the offer sounded great until I realized that it was a trick.
You never had me as a student. I was ADHD plus plus, my mother straight up told teachers I have him from 3pm to 8am and you have him 8am to 3pm, dont ask me to do you job too.
I drove one teacher to early retirement, what a snot, he even pulled me aside and told me he cant risk staying one more year as he might get another me. I told him glad to hear it my work is done here. Just for fun, I slip some thumbtacks into his chair before I left. AHHH the good old days.
Libtard in Union says:
I would wager the average reader of zerohedge knows more about business and the economy than most of the overpaid -ss clowns in finance. Most are dumb -ss parrots spewing back whatever their sh-rhead superiors tell them to say.
Here is my curriculum for the future business program.
1. MF global 101
2. Cyprus 101
3. Capital controls 201
4. Opiates for the purposeless masses 202
5. If it’s not in your hand you don’t own it 301
(52) The Ivies are like law school: The hardest thing about them is getting in.
Some Ivies are easier than others. Ask me how I know. And some disciplines at some of the Ivies are so tough, you are actually at a disadvantage, grade wise, when applying to professional schools. My nephew, a valedictorian, was so deathly afraid of taking Cornell courses, he applied elsewhere. Lucky for him, he got into Princeton. Much easier route.
Now, the hardest Law School to get into in this country is easier to get in than than the easiest Medical School to get into. Again, ask me how I know.
Getting into Law School these days is no big deal. I had a First Year Law schooler visiting my son and I started a discussion. The 24 year old did not know the term ’eminent domain’.
A law school only needs professors, textbooks and laptops.
A medical school needs cadavers.
I had a First Year Law schooler visiting my son and I started a discussion. The 24 year old did not know the term ‘eminent domain’.
But I bet the little bugger can like… totally rock at like…. video games! Let him/her also know that the dirt under my house is priceless and is rising in price at 1% per week and that he/she needs to buy now or be priced out forever.
A medical school needs cadavers.
So does a realtor. ;)
71
How
Libtard,
Is this the new (or newer) AMEX promotion that you’re referring to: (AMEX Blue Preferred)
Get 6% cash back at U.S. stand-alone supermarkets, 3% cash back on gasoline at U.S. stand-alone gas stations, 3% cash back at select major department stores; and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
The first $6,000 of purchases at U.S. stand-alone supermarkets in a calendar year qualifies for 6% cash back; 1% thereafter.
Cash back is earned only on eligible purchases.View Footnote †
Nevermind, that offer has an annual fee. I’m betting your card does not.
You bet correctly. :P A blogger I read profiled the old and new offer. I’ll see if I can find it. For gas though, PenFed is the shiznet. I prefer to carry less cards. It’s hard enough remembering which is best for which type of purchase.
Yeah. I have the PenFed for gas, and AMEX for groceries (but only 3%).
I didn’t apply for it, but now reconsidering. Referring to that US Bank credit cash that had rotating 5% and 2.5% cash back categories… and something about cash back bonuses if you timed them correctly.
I don’t have 20 cards, but more than a handful… and yes, sometimes have to remind myself which to use when paying. Of the seven or so I only use 2-3 regularly.
I once read Harvard does not have enough room even if it accepted only class valedictorians, also read since they get so many type A nuts used to being top of class they are afraid if any ended up in bottom of class they would hang themselves.
They look for folks like me to let in who gladly will be in bottom five percent. They actually let in a group of non-performers each year to fill this role.
I once was offered a full scholarship to law school once they were hard up for finding folks with low GPAs to attend.
My buddy once could not get a scholarship to st Johns cause she was able to get in but not bright enough to get a academic scholarship.I helped her out by having her apply to competitive pharmacy major her GPA was not high enough to get in. She got a scholorship to be a bottom GPA person then I told her to transfer to her real major once in. She did. What a great game.
BTW the Law School gave me a lifetime scholarship if I ever change my mind. I can still go today. They are just as confident in my ability to graduate bottom of class. Folks like me who cruise near bottom but never fail out and score high on standardized tests are liquid gold.
Here ya go Joyce.
Suprised Yome didn’t mention it since it is in paper of choice.
http://bucks.blogs.nytimes.com/2011/04/27/big-changes-to-american-expresss-blue-cash-card/
Joyce,
My elder two are Ivie graduates and oldest is in medical school. Second one is applying to med schools this spring. Oldest is astonished as almost 1/2 of his med class has dropped out since 1st year. They couldn’t handle the load. It was not easy for him, either, but he is at the top of his class. The second one transferred from Rutgers honors program to the Ivy school after first year. Rutgers was too easy for him. Finished 4 years with near A average. He has to compete with other applicants for Med schools who have perfect grades, minorities, blah blah but don’t do so well when pitted against students with more vigorous undergrad programs.
My daughter is in a NESCAC college. She has it a little rougher. Her school actually gives extra time for test takers who have certain medical conditions, read ADD. All you need is a doctor’s note and prescription drugs. She sees the BS behind the preferential treatment.
Grim, #81 is in moderation.
xolepa.
Was just busting you cause you said ask me how a few times.
You’re the first person here to actually ask. I was afraid I was either ignored or the readers.
(80) The laugh of the day. It does seem that JJ does have extra time on his hands today. I would have to be a novelist to think up long tales like that.
oops… or the readers…. weren’t interested in hearing profound statements (ha,ha)
natasha (41)-
And therein lies the problem: the ignorant teaching the ignorant.
This is not by accident.
“Then I read their written work when they get into upper grades and I see “alot”. Sad thing is that some of the teachers don’t even realize that “alot” is not a word.”
Recommendations for the Garden State to improve its ranking were to slash property taxes, end rent control, and liberalize travel restrictions such as seat belt and cell phone-while-driving laws, while also cutting spending on libraries, sanitation and sewerage, and employee retirement benefits, they found.
It’s not JJ. He now goes by the name, “Liquid Gold.” Which also happens to be my nickname for urine.
Anybody got some Adder@ll loosies?
@Brian,
Maybe its like Painhrtz mentions and all Webers used to be made in America and/or with better steel back then? Or our in-laws paid for quality? IDK. My father in law is a tinkerer so he kept it in good shape but I doubt he spent much money fixing it up. And they grill three times a week all year so it got a lot of use. I got it free and have had it 6 years, without a cover (that didn’t survive) in the rain, and like I said, only replaced the grates, once. I don’t see why we couldn’t go another 5 years with it which would be pushing 20 years.
Brian says:
“Ottoman, I don’t know if they were using better steel back then or what… “
Nation faces cadaver shortage. Film at 11.
Lib how about cleveland steamer?
My intent is not to belittle teachers and some of them are truly excellent, like my sons teacher this year who is on track to be the schools next principal. But when I was in college, those in the teaching school tended not to be the brightest in the class. The brightest in the class headed out into the private sector and some would then return to academia to teach at the advanced degree level. Which is why I cringe whenever I hear my neighbors say how a sub 2% annual raise for a teacher will leave Greydon and Ellery with underqualified teachers. Some teachers truly went out for the profession because they enjoy teaching. This is hardly a reason for 3% annual raises and free medical for life sans copays and networks. I know it’s difficult to objectively grade merit and performance of teachers, but something has got to give with these cross the board guaranteed increases.
We have the US Bank credit card for all our other purchases (aside from gas). Its a rotating 5% that you pick plus 2% on groceries always. It was great until this up coming quarter. One of the rotating categories was utilities so we got 5% back on electric, cable, directv, verizon, etc. This quarter, that option is gone and its just phone as one of the categories. We’ll see if they continue being stingy and I need to look for another card. If you wait until you have $100 in cash back money before you cash it out, they send you a $25 Visa gift card–that’s the extra bonus.
For the next three months, we’ve gone to a Chase Sapphire so I can accumulate enough points for a free ipad. Then I’ll be cancelling before the annual fee is due.
We are using an 8-year old Weber that we bought at Home Depot at the end of a season for $400. I think it’s the Genesis Silver 2. A tree fell on it and busted the wheels and the welds on the side burner platform, but the cover and everything else held up just fine. My homeowners gave me $900 for a replacement, but she is working like the day we brought her.
I agree with someone else here. Look on craigslist. You can easily replace any of the external parts directly from Weber. Also, spring for the $60 canvas cover made to fit your model. Don’t go with the $20 POS generic vinyl cover. They rip the first winter.
#94…the free healthcare is long gone…see chart. Also gone, Retiree Healthcare….Pension COLA. With the Pension contribution increase, healthcare deduction increases up to 32%, and 0-.5-1 our town gave, we are able to stay in the 2% cap. In fact most take home pays are lower in 2013 than in 2011, so that may be working.
http://www.state.nj.us/treasury/pensions/reform-hb-qa.shtml
From the Star Ledger:
N.J.’s jobless rate falls to 9.3 percent as nearly 13k jobs added in February
New Jersey’s unemployment rate fell last month to 9.3 percent, as employers added 12,900 workers to their payrolls, the state Department of Labor and Workforce Development said this morning.
The jobless rate fell 0.2 percentage points from where it was in January, according to preliminary data released by the state,
Both the government and private-sector employers were responsible for February’s gains. Education and health service employers lead hiring in the private sector, which added a net total of 7,100 jobs, according to the state. Local, state and federal government bodies each chipped in to add 5,800 jobs,
“This is another solid jobs report that continues the general, upward trend of growth and progress established under the Christie Administration,” said Charles Steindel, chief economist for the state Department of Treasury, who added that New Jersey has gained 120,000 private sector jobs since Gov. Chris Christie took office.
State officials also said New Jersey ended up losing jobs in January, as opposed to preliminary gains of 2,600 workers that it reported earlier this month. Based on more complete reporting from employers, the state lost 2,200 jobs in January, officials said. However, the unemployment rate for the month stayed intact at 9.5 percent.
S&P New high today!!! 133% rebound from low Nice four year move!!!
Finally, putting my whole 401K contribution in during January worked out. People are going to be opening FAT Q1 2013 brokerage, IRA and 401K statements next week just as spring home buying season picks up after Easter.
Anyone selling a pied a tier in NYC or a Hamptons Beach House better have lots of cookies at the open house as it is going to be a mob scene.
[94] libtard,
Allow me then.
The teachers in the brig were all nice enough, but I found that many of them couldn’t conjugate a verb with two hands. One teacher, who drove to work in a Lexis, was in charge of “language arts” instruction–she couldn’t spell and her grammar was awful. I found so many inconsistencies and grammatical errors in the materials (not commercial materials) that it wasn’t funny. They would trash certain programs and offerings one day, and then suggest them the next. And just after we left, we got an email from a parent about my child’s teacher (and the parent did not want her second child with this teacher because he considered him a disorganized idiot) with a forwarded message that the teacher was out for medical leave. Turns out he was arrested for DUI in Lawrenceville (but lived east of the Brig–hmmmm).
And this pales in comparison to the idiocy and venality I found on the part of the administration.
There are some things about Jersey I miss. The allegedly “blue ribbon” teachers aren’t among them.
Hey! just a quick reminder, just one hour left to the end of the first quarter!! Remember back in the January “predictions” page, when JJ predicted the S&P was hitting bottom by now…time to buy!!! Oh no, wait…is at record high..what a putz, I should’ve known…
{100} yep…teachers are worthless takers, unlike lawyers, bankers, all the other gliteratti makers…
I think the Weber Spirit is made in China. The others are still made in the US.
91.Ottoman says:
March 28, 2013 at 1:34 pm
@Brian,
Maybe its like Painhrtz mentions and all Webers used to be made in America and/or with better steel back then? Or our in-laws paid for quality? IDK. My father in law is a tinkerer so he kept it in good shape but I doubt he spent much money fixing it up. And they grill three times a week all year so it got a lot of use. I got it free and have had it 6 years, without a cover (that didn’t survive) in the rain, and like I said, only replaced the grates, once. I don’t see why we couldn’t go another 5 years with it which would be pushing 20 years.
Carlito,
I believe any and all statements made about teachers were not relative to other professions. You think anyone on this board will defend banksters (save for one or two people)?
Sadly I did not follow my own prediction. Between end of December and March 1st I bought 80K more of stock. What is pissing me off is I am sitting on 250K cash right now, I was going to do a hold my nose and buy more stocks in Feb but beach house thing came up.
BTW I am not a big stock guy. But I understand you have to own stock as over long term it beats everything. I am long about one million in stocks between 401ks, stock grants and stock owned outright. Given how much stock I have in non trading accounts already I tend not to buy that much stock in my trading account.
Still think in next few weeks we are at risk for a 5% quickie correction. After I close on Condo and see what repairs etc it needs I will buy more stocks. I think the bond bull market is done for now. I am dong what I call “run-off” not reinvestment called bonds or interest payments into bonds and using the run off to buy beach house then stocks. A few years of run off I will jump back in during next bond bull market.
Carlito how much new month did you put into stock in Q1 and I assume you finished your 401K contributions for the year like I did
Carlito says:
March 28, 2013 at 2:59 pm
Hey! just a quick reminder, just one hour left to the end of the first quarter!! Remember back in the January “predictions” page, when JJ predicted the S&P was hitting bottom by now…time to buy!!! Oh no, wait…is at record high..what a putz, I should’ve known…
No, did not front-load my 401k….I really can’t…live month to month on a salary way too low for your standards….I do plan to hit my max for the year, including the catch up as I am over 50…
With all that money, JJ… you think you could have gotten laid once or twice…
https://njrereport.com/index.php/2013/03/27/shiller-definitely-were-seeing-more-evidence-of-a-rebirth-of-the-housing-market/#comment-548240
I only had a few times in my life where I laid two different girls on same day. I like to wipe my sword off between trysts. I only had triple play once. The third girl I had a tail wind and had to power through it after 20 drinks. Was not worth it. But I was a wing man and I had to do my part.
joyce says:
March 28, 2013 at 3:34 pm
With all that money, JJ… you think you could have gotten laid once or twice…
Love it. Classic JJ… responding to a question or statement that no one posed.
[101] carlito,
Well said! ;-)
Most teachers, students, parents, and school administrators are complete morons. After all, they’re just a reflection of the general population.
Armed with these new findings about teacher wellbeing, it is time to launch our generation’s “man on the moon” campaign in America. This time it’s not a race to the moon, but a race far beyond — to the limitless frontier of human potential. Our ambition should be to put a great teacher in every classroom. These data now point, not only to the societal benefits of teaching, but also the personal benefits for teachers themselves. And if we can turn this into a renewed sense of respect and admiration for teaching as a profession, we will undoubtedly send a shockwave of excitement and energy about teaching throughout the youth of America.
The only obstacle in our way, however, may be the workplace in schools themselves. Despite enjoying top marks in overall wellbeing, teachers rank toward the bottom (eighth out of 14) of the professions surveyed on one very important element of wellbeing: work environment. They rank sixth in saying their “supervisor treats me more like a partner than a boss.” And they are dead-last — 14th, behind coal miners and truck drivers — in saying their “supervisor always creates an environment that is trusting and open.” They are also dead-last in saying they were “treated with respect all day yesterday,” and experience the second-highest stress level across all occupations. And according to Gallup’s workplace engagement surveys, 31% of teachers are “engaged,” which ranks sixth overall behind farmers and fishermen, nurses, physicians, managers, and business owners. We have to fix this.
Most teachers I know are done with the profession. Way too much hassle, constant micromanaging, and they are NOT allowed to do anything but teach within the prescribed box. It’s teach to the test. A lot of bureaucratic headaches. Even if you love to teach, if you aren’t given the freedom to teach the way you think students might learn best, frustration mounts. You get a lot (ha, ha..see previous discussion) of unhappy teachers who don’t want to be in the classroom anymore. I would argue that the smarter teachers with a brain of their own would be the first to leave.
Our ambition should be to put a great teacher in every classroom.
I remember during the early part of the recession there was quite a bit of talk about waiving teacher-tract education requirements for professionals looking to transition from industry to teaching. Did this ever happen? Are options in place?
Wondering what the take-up rate was in NJ for people opting to go this route, if it ever happened.
I’d love to teach a class as an adjunct at the local community college.
I’d invite folks like Clot and Booyah to be guest speakers.
http://www.state.nj.us/education/educators/license/gpa.htm
Christ they let people with a 2.5 GPA teach?
Teachers are also dealing with a generation of spoiled parents who’ve raised perfect, entitled children. Sub par performance is most often blamed on the teacher and not the child, parent, or state and school teaching standards. And school administrators will most often side with the parent over the teacher as that’s the path of least resistance.
Just look at New Jersey’s policies for kids with learning and behavioral disabilities. The school isn’t allowed to test them without the parent’s permission so many kids are never properly diagnosed. And if the parent wants them to remain in a regular class the school must accommodate them no matter how disruptive or slow the kid. There are children sitting in NJ classrooms, maybe even your kids’ classroom, that scream like the maniacs on American Horror Story Asylum or slow the class down and divide the teacher’s attention on a daily basis.
14. First off my guess is no. Secondly i wouldn’t advise anyone to teach.
#113
I am a teacher and you are so right. We are required to teach to the test and it makes it very hard to be creative and fun. When I first started teaching I did so many fun things with my kids while teaching them. I still try to encourage their creativity too, but it is difficult. The kids have become less interested in being creative as well. They have all this technology that does everything for them. Another pet peeve I have is homework. I still hate assigning homework and keep it to a reasonable amount. I don’t know when schools decided that assigning hours of homework would make kids smarter.
#116
I don’t know if they changed it, but you needed a 3.0 to teach when I graduated from college a million years ago.
I cringe at the thought of a public education graduate teaching my kids. Its destructive by design. All by design.
Re: Teachers vs Bankers,
I think it is safe to safe that most of the well known bankers wont survive the coming apocalypse.
The private schools are teaching to the test too. The test scores are what the general population uses to compare and grade schools. This perpetuates the problem of teaching to the test to prove your school is the best.
117,
Ottoman,
I used to be one of NJ teachers harshest critics when they rode the high horse. Now that the NJEA has been bloodied permanently and publicly I leave them alone. They just needed to be knocked down a few pegs.
It should be noted that their is a massive difference between teachers with private sector experience and the union clowns sucking off the taxpayer t_t.
123,
Natasha,
I just want kids to be educated. I want schools to compete against eachother. I want parents to make the school choice for their kids. I believe every student should be funded equally. It shouldnt cost more than 5k per year per student.
None of the aforementioned dreams will come to fruition because the educational system is being destroyed by design. Long time a coming. We just get to see the results now.
We have bigger fish to fry now. You are new here. Browse this forum a year or two back. You will see multiple topics about capital controls. We have finally entered that long ago predicted phase.
No one will be spared.
Never give up your guns.
JJ,
Are you inviting all of us to your new beach digs for a GTG?
#125 AG
I believe you are right. Unfortunately most people don’t see it, or just don’t care. Give me a gun and I will learn how to shoot it. I have no problem doing what I need to protect my family and home.
And yes, it shouldn’t cost more than 5k to educate each kid. I worked in the public school system first, and might have been the only conservative there. I work in a private school now, and get paid a lot less to do a lot more work. The tuition is about $5k per kid. They get taught just like the public school kids and are permitted and encouraged to pray in public.
FWIW: We are uncovering evidence of social promotion in the primary school at Colts Neck…pretty sad and inexcuseable…..
Libtard in Union says:
March 28, 2013 at 1:30 pm
It’s not JJ. He now goes by the name, “Liquid Gold.” Which also happens to be my nickname for urine.
http://www.youtube.com/watch?v=Q0LaiARPC4w
grim (115)-
Name your class Mossberg 101, and I’ll guest speak anytime you want. I might even talk about real estate…relative to the ownership of precious metals.
“I’d love to teach a class as an adjunct at the local community college.
I’d invite folks like Clot and Booyah to be guest speakers.”
Don’t think I could top Booyah, though.
“Essex want a Milkbone?”
natasha (119)-
Excessive homework isn’t about learning. It’s about conditioning people to take orders and not question them.
None of this is an accident.
“I don’t know when schools decided that assigning hours of homework would make kids smarter.”
chi (128)-
I heard there are smack dealers in Colts Neck K-6. ;)
Feh. jj was socially promoted all the way into a corner office.
Same reason govt schools replaced history with social studies. Too much of US history is about individual rights and white men. Thus grades K thru 9 they only teach hugs and minority studies. The people on our money are forbidden topics.
131. “woof”
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