Time to increase loan limits? (Haven’t we heard this somewhere before?)

From the WSJ:

Home Builders Say Federal Loan Limits Shut Out Many Buyers

At the New Haven housing development in Ontario, Calif., Brookfield Residential is building 189 townhomes priced below $378,000.

So far, the moderately priced homes have sold at nearly twice the rate of others listed above the $378,000 mark.

That isn’t an arbitrary price. It marks the upper limit for a buyer to qualify for a low-down-payment, federally insured mortgage in Southern California’s Inland Empire, the suburban expanse east of Los Angeles.

Such mortgages, known as Federal Housing Administration loans, have become a primary vehicle for first-time buyers and those rebounding from the housing crash who have less-than-stellar credit and lack the 10% to 20% down payment required for most conventional mortgages.

Builders and developers in many higher-cost housing markets still recovering from the bust—including the Inland Empire, Las Vegas, Sacramento, Calif., and Phoenix—say the price limits set by the federal government make it nearly impossible to deliver homes that cater to buyers looking to purchase with FHA loans.

“It’s basically put a lid on the market,” said Michael Maples, co-founder of Trumark Cos., a California builder and developer. “For builders, if you’re above that FHA limit your buyer pool is significantly lower.”

The challenge is particularly acute in California, which has the nation’s highest upfront fees for new construction, according to housing-research firm Zelman & Associates. Fees to pay for roads, sewers, schools and other infrastructure in California markets average between $40,000 and $72,000 per home, according to the firm’s research, compared with an average of $2,600 in Houston.

“If you have a million-dollar house it’s easy, you can just pass the cost along to the consumer,” said Ivy Zelman, chief executive of Zelman & Associates. But for entry-level homes, “with all the fees they’ve been asked to pay, it’s almost impossible for them to make money,” she said.

After 2013, the FHA also changed its loan limit formula to reflect home values after the downturn, causing the loan limits to fall in 44% of metropolitan U.S. counties, according to an analysis by the Urban Institute in 2014.

Loan limits in California’s Riverside and San Bernardino counties dropped from $500,000 in 2013 to about $355,000—a nearly 30% decline overnight. In Clark County, Nev., home to Las Vegas, loan limits fell from $400,000 to $287,000.

New home sales in the Inland Empire plummeted by more than 30% in the first half of 2014 from the same period a year earlier, according to housing data firm Meyers Research, while sales in the Las Vegas area fell by more than 45%.

Officials at HUD argue that pegging loan limits to median home values is the fairest way to ensure buyers can afford the loans. But critics say limits imposed across an entire metropolitan area fail to account for vast differences within a market.

This entry was posted in Mortgages, National Real Estate, New Development, Risky Lending. Bookmark the permalink.

190 Responses to Time to increase loan limits? (Haven’t we heard this somewhere before?)

  1. Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:

    Frist. Slackers.

  2. The Original NJ ExPat says:

    Nuts

  3. Why would anybody give up having cool stuff today to save up for some silly down payment?

  4. grim says:

    So let me get this straight.

    Donald Trump is in cahoots with Russia, as well as pulling the strings at the FBI?

    Riiiight.

  5. 1987 Condo says:

    Is Uranium important?

    http://www.nytimes.com/2015/04/24/us/cash-flowed-to-clinton-foundation-as-russians-pressed-for-control-of-uranium-company.html?_r=0

    At the heart of the tale are several men, leaders of the Canadian mining industry, who have been major donors to the charitable endeavors of former President Bill Clinton and his family. Members of that group built, financed and eventually sold off to the Russians a company that would become known as Uranium One.

  6. 1987 Condo says:

    Guess: 169k jobs

  7. Grab them by the puzzy (the good one) says:

    grim – you still realtor on the side? it sounds like you aren’t

  8. grim says:

    185, 4.9, slight increase in the participation rate.

  9. Grab them by the puzzy (the good one) says:

    @MaxBoot

    I refuse to believe Trump will win b/c
    I refuse to believe majority of Americans would elect someone so cruel,
    ignorant,
    mendacious,
    vile.

  10. grim says:

    No, with Bob Aman, who ran DRI, passing away in August of 2015 and then Stephen Kopf, who was head broker, moving on Alexander Anderson, I had no desire to. Those two guys were the reason I was in it, especially Bob, who was a mentor to everyone who knew him. The whole reason I ever even entertained it, was that I could run my own show, and that is a prospect that doesn’t exist anywhere else. So, I really just preferred to drop my license than keep it with any other brokerage.

  11. Grab them by the puzzy (the good one) says:

    i have a project but don’t want to disclose much. I’ll give you a call. willing to pay a consulting fee, but I’m sure you probably won’t even charge me

  12. 1987 Condo says:

    WOW! 233k

  13. 1987 Condo says:

    Woops..that was a prediction..sorry!

  14. grim says:

    Sure, let me know.

  15. 1987 Condo says:

    Actual- 161k 4.9UE Earnings up 0.4

  16. 1987 Condo says:

    U6 9.5%

  17. 1987 Condo says:

    Sept revised up 30k, August revised up 10k…seems rate increase still a go

  18. Fast Eddie says:

    Donald Trump is in cahoots with Russia, as well as pulling the strings at the FBI?

    Talk about stronger together!

  19. grim says:

    I hear he was involved with the staging on the moon landing.

    Turns out they did it on a garbage dump out in the Meadowlands.

    If you look close, you’ll see Neil Armstrong isn’t planting a US flag in the soil on the moon, he is planting a golf flag in the 9th hole at Trump National. Stalin was there too. It was tremendous, huge. The whole affair was so classy, the reception afterwards at Maralago was amazing, huge, tremendous, so classy. I mean the steaks, out of this world. You should have seen it. Neil, a great guy, a good friend, I love him, but he drank 4 bottles of champagne before we even started. You should see that guy moonwalk. Reminds me of the time Michael Jackson, shame he was such a pedophile, spent two weeks at the Taj Mahal, the greatest casino in the world by the way.

  20. Fast Eddie says:

    grim,

    lol! I could see him at the podium!

  21. grim says:

    Nonsensical double standard.

    So is it ok to stereotype, or is it not?

    Is it ok to discriminate based on race, gender, or appearance? Or is it not?

    Liberals seem to think when they do it, it’s justified.

    Great example is how many NJ liberals made fun of Christie’s weight.

    That’s OK? How is that OK?

    It’s not OK, and it’s exactly like Trump calling Rosie O’Donnell fat, exactly the same.

    Double standard, f*cking hypocrites.

  22. Ottoman says:

    Liberals and progressives are not the same thing. Dunham and Clinton are liberals. Sanders was sort of and Jill Stein is progressive.

    Progressives do a much better job of critiquing liberal trash like this than the right ever could. Probably has to do with the expanded brain power on the extreme left.

    You would do well to pick up a few leftist critiques of Clinton and Obama and the Dems in general. Of course that doesn’t absolve the right, especially the far right, from being totally insane.

    Fast Eddie says:
    November 4, 2016 at 9:18 am
    Here’s your progressive movement:

    https://milo.yiannopoulos.net/2016/11/lena-dunham-extinction-white-men/

  23. Ottoman says:

    Don’t forget the body shaming of Trump when those naked statues appeared. Again, the real left is extremely critical of this stuff, they are also generally very sympathetic to many Trump supporters, even though they do not support him, and definitely do not support Clinton.

    As for Dunham and Clinton, like most liberals they only support upper class white woman feminism. And you’ll notice the only national gay right that was achieved so far by the liberals was marriage with is nothing more than protecting and transferring assets–important to rich people. Housing and job discrimination still legal in half the country. And there are plenty of left leaning black critiques on Obama’s and the Clintons decimation of black families. Not to mention all the dark skinned people around the world they’ve murdered.

    grim says:
    November 4, 2016 at 9:24 am
    Nonsensical double standard.

    So is it ok to stereotype, or is it not?

    Is it ok to discriminate based on race, gender, or appearance? Or is it not?

    Liberals seem to think when they do it, it’s justified.

    Great example is how many NJ liberals made fun of Christie’s weight.

    That’s OK? How is that OK?

    It’s not OK, and it’s exactly like Trump calling Rosie O’Donnell fat, exactly the same.

    Double standard, f*cking hypocrites.

  24. D-FENS says:

    Ok. Where is the real Ottoman and what have you done with him?

  25. D-FENS says:

    I never heard a good reason why we had to get permission from the government (marriage license) to get married anyway.

  26. Fabius Maximus says:

    Is Trump controlled by the Russians? My view is that he is tied up with a lot of financing. The Trump Toronto bankruptcy showed the project was all Russian money. Trumps electoral filing showed small boutique financing. There was no BOA JPM Citi GS etc. Then you have the discussions on Trump building something in Moscow and his campaign managers ties to Ukraine and while not the Manchurian Candidate, there is some smoke there.
    Yes I think the Wiki leaks are the Russians as does most of the Cyber Community.

  27. grim says:

    Shnaider’s a Jew too, is that a problem?

  28. Ottoman says:

    Of course let’s not forget Grim defended Trump for admitting he grabbed puzzy as if it was just empty talk. Because there’s no pervasive rape and misogyny problem in this enlightened first world country. And the right has treated women, races, sexual orientations, etc so well that it’s not even worth discussing.

    I mean, show us where Grim told one of his buddies to knock off the women bashing here. Or the fat shaming. Got cankles anyone? But hes ready to speak up when the liberals do it. Dumb hypocrite.

    Next he’ll be telling us Trump supporters aren’t racist. Oh wait he does that too.

  29. grim says:

    I mean, show us where Grim told one of his buddies to knock off the women bashing here. Or the fat shaming. Got cankles anyone? But hes ready to speak up when the liberals do it.

    Well, because they aren’t doing it because they are mysogynistic, biased, discriminatory or racist. They are doing it to piss you off. Please tell me you didn’t completely miss that part of it all.

  30. D-FENS says:

    ‘Trump won’t be permitted to win’ – Assange interview with John Pilger (Courtesy Darthmouth Films)

    https://www.youtube.com/watch?v=JQ7lYRnF1F8

  31. HEHEHE says:

    I have a hard time seeing Trump winning this thing simply because of the cabal that is out to stop him from winning. The only way he’s even in this thing is because the Clinton family is so corrupt.

  32. Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:

    HEHEHE

    Agreed. He is there largely because the Dems wanted him there. The emails confirmed as much. Add in the anecdotal evidence from lapdog media and the crossover registrations and you have a compelling case that the GOP primary was hijacked.

    Some think Trump was in on it, but the better view is that his own hubris blinded him to the fact that he was being played for the stooge.

  33. Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:

    In this environment, even Rubio would be clubbing her like a baby seal and I consider him to be a lightweight.

  34. McBox says:

    On a flight to San Fran, nut job with emotonal support dog next to me and a newborn in front.I should have spent the money on first class.

  35. Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:

    D-Fens,

    LOL. Exactly what I was thinking. He actually made a bit of sense, even if it was couched in his irredeemably flawed worldview.

    He still needs killing though.

  36. Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:

    McBox

    How incredibly intolerant of you!

    (Actually, I totally sympathize)

  37. D-FENS says:

    I don’t think so. Read Mulshine’s column on NJ dot com. People were lining up to get to see him at the NH primaries. That move where he went to the Iowa state fair and landed his helicopter emblazoned with his name in the middle and then gave all the kids rides….classic. Savage’s radio show promoted him big time too. I doubt he is part of some left wing conspiracy. Savage reaches a lot of disenfranchised working class people.

    If the Clinton camp prefered him, it was because they thought they had all sorts of dirt on him that would sink his campaign. However his supporters have proven difficult to dissuade.

    Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:
    November 4, 2016 at 11:03 am
    HEHEHE

    Agreed. He is there largely because the Dems wanted him there. The emails confirmed as much. Add in the anecdotal evidence from lapdog media and the crossover registrations and you have a compelling case that the GOP primary was hijacked.

  38. Fast Eddie says:

    Savage is awesome! I enjoy listening to him!

  39. D-FENS says:

    I’m curious…what did Assange leak that bothers you so much that you wish him dead?

    Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:
    November 4, 2016 at 11:06 am
    D-Fens,

    LOL. Exactly what I was thinking. He actually made a bit of sense, even if it was couched in his irredeemably flawed worldview.

    He still needs killing though.

  40. HEHEHE says:

    I like Assange. Sure, he has quite a bit of the desire to be a celebrity and self importance but he has done a good service to the common people by pulling back the curtain to see how things are really run in the world.

  41. 1987 Condo says:

    Bridgegate- Guilty

  42. Flee? says:

    Well, because they aren’t doing it because they are mysogynistic, biased, discriminatory or racist. They are doing it to piss you off.

    Cop-out alert! A great man once said something like “I was so passionate about America that I cheated on my cancer-stricken first wife, then dumped her for the mistress, then cheated on mistress to get the minimum requirement of three wives”. If he was so passionate, he could have simply humped the Statue of Liberty.

    If someone is making “mysogynistic, biased, discriminatory or racist” remarks, even to piss someone off, it indicates where their baseline biases are.

    I have tonnes of baggage and biases too. I usually accuse people of being racially/financially insensitive and of bigotry on the tiniest sign of a bias — I did it to you about the NYC mosque, but I did apologize right away. That was a reaction to extensive anti-muslim shit on this board during the preceding few weeks.

    I did to Lib about his comment on Tamir Rice (not accusation but pointed that it was in the deep gray area — it was, and a simple “yeah, wrong” was what I expected). That was in response to a question about how Tamir Rice was called a monster (while the cop-killer disappeared as an issue as soon as he showed his confederate flag license).

    I have plenty of biases more — the “3% tax cut over country” is a strong bias nurtured over decades of seeing rich people, left and right, screwing over the poor. I usually try to hammer down on “logic and math” if there is even a hint of inconsistency (a-hole academic elitism). I have a bias against over-confident people (academic experience; great guys [men and women] I know are very humble even when at times they seem like know-it-all’s). I have many many more biases…

    I won’t fall back to “I have no biases” cop-out. Especially since I am very biased against people that claim they have no bias whatsoever.

  43. Joyce says:

    I find it funny that people think politicians lie all the time, except for when they say bad things. Then we believe them wholeheartedly.

  44. Comrade Nom Deplume, the anon-tidote says:

    D-FENS,

    “This reminds me…I need to pick up more Yuengling on the way home.”

    Same here. Also, I find it is much better on tap and is my go-to brew now.

  45. Any heavy mac users out there? I did the latest Sierra update yesterday and all day today it doesn’t seem like Safari leaks memory like a sieve anymore. With all the stuff I run I usually have to shut down Safari once or twice a day, run “purge” on terminal and start it back up again. This has been going on for years such that I have Activity monitor and terminal start up automatically at boot because I know I’m going to need them both soon enough.

  46. Joyce says:

    No the emails didn’t

    Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:
    November 4, 2016 at 11:03 am

    HEHEHE

    Agreed. He is there largely because the Dems wanted him there. The emails confirmed as much. Add in the anecdotal evidence from lapdog media and the crossover registrations and you have a compelling case that the GOP primary was hijacked.

    Some think Trump was in on it, but the better view is that his own hubris blinded him to the fact that he was being played for the stooge.

  47. Fast Eddie says:

    If someone is making “mysogynistic, biased, discriminatory or racist” remarks, even to piss someone off, it indicates where their baseline biases are.

    You can thank your illustrious leader currently occupying the White House for bringing out the “best” in some of us. Oh no, he’s not the sole antagonist, this has been in the works for the past 50 years. But, was he ever the best choice to push this country over the edge! At least the right realizes a revolt is needed, unlike the left who clamors for some unreachable, utopian dream. The only apology required is to our fathers and grandfathers – real men worthy of the title, who built the greatest nation ever only to watch it be hijacked by a neutered, transgendered mentality.

  48. Steamturd thinking about the remains of Hillary's umbilical stump says:

    This week, our school system is offering a seminar to parents on “overparenting.”

    What have we become?

  49. Lost says:

    Anyone watch “walking dead?” Pretty cool article based on the show.

    “Negan’s preference would be to absorb the group into his own collective. He sees the productive value of the group—more specifically, the goods they own and the skills that can be exploited. (If this isn’t a parallel for taxation, I don’t know what is.)

    To demonstrate his ability to enforce his “or else” clause, Negan bludgeons two members of Rick’s group to death with a baseball wrapped in barbed wire. The scene is nothing short of horrific.

    Mises writes (emphasis added):

    “The supporters of a… collectivistic doctrine cannot hope to demonstrate by ratiocination the correctness of their specific variety of ethical principles and the superiority and exclusive legitimacy of their particular social ideal. They are forced to ask people to accept credulously their ideological system and to surrender to the authority they consider the right one; they are intent upon silencing dissenters or upon beating them into submission.””

    https://fee.org/articles/we-are-all-negan-walking-dead-and-the-collectivist-violence-of-the-state/?utm_medium=push&utm_source=push_notification

  50. I just watched the first episode of the new season of Walking Dead last night. It made me think of the HBO prison series Oz in that it was just so realistically hopeless and depressing I almost don’t want to watch anymore. I have the entire series of Oz on my computer and I’m not sure if I ever finished the first season. Oz, to me, is the polar opposite of Entourage.

  51. Steamturd thinking about the remains of Hillary's umbilical stump says:

    “October 2, 2015 at 2:57 pm
    CHI,
    I like Pricel1ne and Airlease right here. Air Lease looks very cheap. I recently got PCLN right around 1K.”

    PCLN 1,265.68 –> 1439.39 = 13.7%

    AL 31.53 –> 32.05 = 2.1% (including dividend)

    NHMD .0069 (pumpkin call on 12/11/15) –> .0018 = -74%

    SP500 2,099.93 –> 20.96.91 = EVEN (though it does include dividends technically)

  52. Fabius Maximus says:

    “Well, because they aren’t doing it because they are mysogynistic, biased, discriminatory or racist. They are doing it to piss you off. ”

    So all the things that were said against Sue Adler in here, who were they directed towards?
    Sue wasn’t posting in here. I seem to recall you were championing the hijacking of her blog.

    Condone it, you own it.

  53. Flee? says:

    You can thank your illustrious leader currently occupying the White House for bringing out the “best” in some of us. … the best choice to push this country over the edge! At least the right realizes a revolt is needed, unlike the left who clamors for some unreachable, utopian dream.

    Only in US can the child of a Kenyan goat-herder get elected as the leader of US (twice, and with damn good approval ratings too). That is an example of things that make this country great. Woman president is peanuts in comparison (even Pakistan and Bangladesh have had woman as the top leaders [PM/President]).

    “The only apology required is to our fathers and grandfathers – real men worthy of the title”

    You do know that there are quite a few grandfathers/great-grandfathers that may have owned slaves, have fought for the confederacy (is that your idea of “revolt”?), have fought against inter-racial marriage, were against civil rights, were homophobic, and were consistently xenophobic. Don’t lump all fathers/grandfathers into the same group.

    On another note, what about the mothers and grandmothers? In your view, did they have any role in making this country great?

    What course we take is not based on what we owe to past generations, but what we owe to the future generations. May be that is the difference in world view — some think that their ancestors were perfect and we cannot reach that level. Some think that their ancestors weren’t perfect, they aren’t perfect, and likely their children won’t be perfect, but the goal is to keep pushing for improvements (even if some generations have set-backs).

    I want my kids to be way better persons than me (unfairly low expectations), and I would be horrified if they ever refer to my generation or me as “the best”. Always, the best is yet to come, even for the children of today and a few generations down the line.

    Going a longer timescale tangent… Somewhere down the line, our descendants may colonize the galaxy, and may be even figure out why some people behaved like xenophobes against others that they actually share of 99.99% genes! If I wish for something, it is that they should be so great that they should look back at us like we look at primitive single-cell ancestors of ours.

  54. 3b says:

    Flee: I am not impressed with Obama as president and believe he is a severe disappointment to the millions who voted for him. Including the young. Hope and change my behind. My biggest complaints he is arrogant . He is also dishonest as to how he portrays himself. He is not the first black or African American president. He is the first bi racial president but he appears to play that down. He could have done so much more to be a bridge between the races. Yet ironically race relations are at the lowest point in years. He is not black American in that his roots are not based in the south and its legacy of slavery and Jim Crow laws and all the rest of that stain on America. And for him to claim that as is own is an insult to those who share that legacy.

  55. Fast Eddie says:

    Steamturd,

    This week, our school system is offering a seminar to parents on “overparenting.”

    What they really need is gluten-free safe rooms!

  56. Fast Eddie says:

    Don’t lump all fathers/grandfathers into the same group.

    I’m sure there were “tonnes” of men that I wouldn’t deem worthy.

  57. Fabius Maximus says:

    Stephen Kopf.

    I tried working with him when we knew we had to buy something. He was just too busy with the new job to work with us. He seemed to be working crasy hours in Jersey City. What was funny is that I know one of the guys who works for him in AA. So we were heading into a weird situation anyway.

    Mrs Fab is notoriously hard on the Realtors we have used in the past (except you and Stephen). She has an attention to detail and expects people to do their job. So rather than search for someone to work with, she decided to get her licence. We ran the numbers and what we would save in commission, would pay for her licence fees, MLS, SupraKey etc for a few years. So now she has fun touring multi million dollar Broker Opens, and helping working mothers sort out Section 8 accommodation.

    We ended up in a private sale so the licence wasn’t needed. but what she learnt on the course did save us some serious money.

  58. 3b says:

    Gary not to pick on you. But gluten free is legitimate for those with celiac. So you can’t knock gluten free without knowing ones situation.

  59. Anon E. Moose, saying 'Come back, JJ' says:

    Bridgegate — As loudly as CNN is banging the gong “GUILTYGILTYGUILTYGUILTY”, what exactly are the people supposed to be guilty of? If being a vindictive arse were a crime even Hillary couldn’t skate on that charge, and we’d need more jails than we have houses.

    In other verdict news: Rolling Stone guilty of defamation in the UVa Asst. Dean – I hope the fraternity suit is resolved before they go Chapter 7. Kind of like MTV, they should have stuck to music.

  60. HEHEHE says:

    “I am not impressed with Obama as president and believe he is a severe disappointment to the millions who voted for him.”

    I voted for him in the first election.

    Obama reminds me of Bush after 9/11.

    Both had a giant amount of goodwill from most of America and pissed it all away by focusing on special interests.

  61. Steamturd, obsessed with Cankles way more than Wieners. says:

    I’m lost here. So we made fun of Sue Adler because she was a woman? Is that what you are insinuating?

    Holy crap. Where’s my safe place…I need it now!

  62. Lost says:

    Need more individuals to think like this. Powerful stuff.

    “What course we take is not based on what we owe to past generations, but what we owe to the future generations. May be that is the difference in world view — some think that their ancestors were perfect and we cannot reach that level. Some think that their ancestors weren’t perfect, they aren’t perfect, and likely their children won’t be perfect, but the goal is to keep pushing for improvements (even if some generations have set-backs).

    I want my kids to be way better persons than me (unfairly low expectations), and I would be horrified if they ever refer to my generation or me as “the best”. Always, the best is yet to come, even for the children of today and a few generations down the line.

    Going a longer timescale tangent… Somewhere down the line, our descendants may colonize the galaxy, and may be even figure out why some people behaved like xenophobes against others that they actually share of 99.99% genes! If I wish for something, it is that they should be so great that they should look back at us like we look at primitive single-cell ancestors of ours.”

  63. grim says:

    Any heavy mac users out there? I did the latest Sierra update yesterday and all day today it doesn’t seem like Safari leaks memory like a sieve anymore

    Seems slow as shit and restarts/logins are easily 10x slower.

    Not to mention that wifi needs to reconnect every login again? What the hell.

  64. grim says:

    She has an attention to detail and expects people to do their job. So rather than search for someone to work with, she decided to get her licence.

    Ah that is fantastic, I love it! Tell her congrats for me. What brokerage? She’s a FT licensee now? Email me details, I still get tons of folks asking me for referrals.

  65. Tywin says:

    If you believe Trump’s positions on the issues are not substantive, or he’s some sinister plant, or a Rubio type would be doing as well, you’re not paying attention at all:

    https://www.google.com/search?q=trump+rally+crowds&biw=1280&bih=841&source=lnms&tbm=isch&sa=X&ved=0ahUKEwiCr-yZ4I_QAhVJ7oMKHZhhDlMQ_AUIBygC

    .

  66. Steamturd, obsessed with Cankles way more than Wieners. says:

    I think she’s working with Sue Adler.

  67. grim says:

    Stu – You know Sue Adler would grab you by the pussy.

    Not only would it be nonconsentual, but she would squeeze and twist too.

  68. 3b says:

    Lost xenophobes etc. I often wonde how it would be if the shoe was on the other foot. Americans are accused of being racist and anti immigrant or at least anti brown skin immigrant and throw in Asians as well. And of course anti Muslim. But what if the shoe was on the other foot? What if millions of so called white people specifically Christians and let’s throw in white Jews too. What if millions were immigrating to the countries with brown skin people? Would we be welcome with open arms? Would they bend over backwards to welcome us ? Accommodate our needs? Be accepting of our religions or lack of one? Provide language services for us in multiple languages? And the list goes on. Well would they? Or is it just so called white people who are held to a different standard?

  69. Fast Eddie says:

    3b,

    I wasn’t knocking it. I could have used an endless array of idioms. It was intended irony, a demonstration of over-used utterance to pin every thought and classify every ailment into some convoluted, mish-mosh of cacophonic babble.

  70. grim says:

    I have a family member who lives in Japan.

    His mixed race daughter does not have his American name, because she would be discriminated against because of it. Instead, she uses her mother’s Japanese surname, even though Japanese law requires a single surname. The law makes exception to not require the use of a non-Japanese surname.

  71. 1987 Condo says:

    Local HS Election results (the kids did a mock vote)

    Trump-60%
    Clinton -18%
    Johnson-12%
    Stein- 1%
    Others- 9%

  72. Steamturd, obsessed with Cankles way more than Wieners. says:

    Do it in Montclair and Trump will get 1%

  73. 1987 Condo says:

    Just one town over….

  74. walking bye says:

    Condo, my daughter mentioned that her class was participating in some sort of national election vote. If I understood her correctly. If not why has no media thought of this before as it would have been interesting to see the results/

  75. 1987 Condo says:

    I think all schools do this, I remember doing it back in the day..of course Nixon one in those days, lol

  76. Flee? says:

    grim, in mod… I guess I used many utterances of “f…ing tribe” and unloaded…

    The main point was that given that the US is by far the best ever, and it is ridiculous to go into a race to bottom. Based on what I know, statistically speaking Indians are pretty racist (even against their own), Chinese too, Japanese are a bit more extreme. So are Arab countries and “liberal” nordic countries. Why use any of them as a benchmark to aspire to?

    3b, your example of “white X-tians … throw in white Jews” indicates your sense of what you think America is or should be. There were black X-tians who’ve lived here for 300+ years (you seem to be from a 1900’s immigrant family), and many hispanic X-tians who’ve lived longer. Many Chinese were brought in for railroad construction in 1800’s, but were not allowed to bring in families. Then there are the Native Americans.

    Even your hypothetical scenario about immigration has a tribal component associated with it and is eerily similar to a white-nationalist viewpoint. I am not accusing you of being one (before everyone goes up in “no, I am not a racist, you are, you are!”). However, be aware of what your example comes out as. If your sense of being American is to cling to tribe, go invest your money on Trump and Madoff ventures and short companies led by brown people (MS, G).

    Immigration to most countries is tough and mostly undesired — be it “liberal” nordic countries (desirable but somewhat xenophobic), Asian countries (poor and xenophobic), or Arab countries (rich but undesirable and horribly xenophobic). Your example could have been slightly more reasonable without any tribal affiliation. Even setting all that aside, why aim for a race to bottom?

  77. Fabius Maximus says:

    “So we made fun of Sue Adler because she was a woman? Is that what you are insinuating?”

    Yes, what started as the Stickman Chart discussion, turned into a locker room Hot or Not on her and her brokers.

  78. Flee? says:

    Grim, I will jump the shark and question your judgment (and hopefully get banned).

    Whatever you said about Sue Alder, what would you do if someone said something
    similar about Joyce or Scribe or Gator or your wife or my wife? If I ever say such a thing, I’d probably kill myself of shame — after first making sure my family changes the last name?

    Why do you need to double down on needless misogyny, on Trump, and tribal mentality (your family member is worried about discrimination in Japan), so it’s all OK to do it? Are you so insecure when someone points out something you said as a mistake, you have to double down instead of even a half-hearted “fair, my bad, one time mistake”?

  79. 3b says:

    Flee I am insulted that you infer I support white supremacy. Nothing of the sort. I simply asked a question and got a lecture instead. As for black Christians that has norhing to do with my example. The premise in this country seems to be that whites are racist. Everyone else is not. So that excludes by definition blacks and Hispanics. Who by the way were Spanish and therefore would be deemed white. Then you go off on trump and madoff. Have no idea what that is about. So my question remains and you did not answer it.

  80. grim says:

    Went into blacklist, sorry.

  81. grim says:

    My Sue Adler comment was a compliment.

    It was Stu who was insulted.

  82. grim says:

    I don’t understand what “tribal mentality” is. Is this a new media buzzword I missed?

    My comment was specifically focused on pointing out, correctly so, that many many many countries around the world are horribly racist and xenophobic.

  83. Ben says:

    I just watched the first episode of the new season of Walking Dead last night. It made me think of the HBO prison series Oz in that it was just so realistically hopeless and depressing I almost don’t want to watch anymore. I have the entire series of Oz on my computer and I’m not sure if I ever finished the first season. Oz, to me, is the polar opposite of Entourage.

    Funny how all the Oz characters are now in commercials peddling insurance.

  84. Grab them by the puzzy (the good one) says:

    Max – what county?

    need some basic stuff that could generate a chunky fee for her

    grim says:
    November 4, 2016 at 2:42 pm
    She has an attention to detail and expects people to do their job. So rather than search for someone to work with, she decided to get her licence.

    Ah that is fantastic, I love it! Tell her congrats for me. What brokerage? She’s a FT licensee now? Email me details, I still get tons of folks asking me for referrals.

  85. Grab them by the puzzy (the good one) says:

    The Wire is the best

    Ben says:
    November 4, 2016 at 4:27 pm
    I just watched the first episode of the new season of Walking Dead last night. It made me think of the HBO prison series Oz in that it was just so realistically hopeless and depressing I almost don’t want to watch anymore. I have the entire series of Oz on my computer and I’m not sure if I ever finished the first season. Oz, to me, is the polar opposite of Entourage.

    Funny how all the Oz characters are now in commercials peddling insurance.

  86. 3b says:

    Lost my post was meant for flee not you. I apologize for the confusion.

  87. 3b says:

    Just messing with you Gary!

  88. Grab them by the puzzy (the good one) says:

    is this the Klan’s HS?
    if so, Clintons numbers are surprisingly high

    1987 Condo says:
    November 4, 2016 at 3:04 pm
    Local HS Election results (the kids did a mock vote)

    Trump-60%
    Clinton -18%
    Johnson-12%
    Stein- 1%
    Others- 9%

  89. No One says:

    This is not a safe space. If anything someone writes here offends you, I hear PBS still offers Mr. Rogers’ Neighborhood on its website, which might help settle your feelings.

  90. Fabius Maximus says:
  91. Fabius Maximus says:

    anon

    Bergen

  92. grim says:

    Where was the trashing of Sue’s agents? On her blog? I can’t even remember that far back. But the stickman was my greatest chart.

  93. Anon E. Moose, saying 'Come back, JJ' says:

    Pu$$y [16:46];

    Wow! A “Trump supporters are all Racist” joke! How original!

    You must kill it with all the ladies on Democratic Underground.

    is this the Klan’s HS?
    if so, Clintons numbers are surprisingly high

    1987 Condo says:
    November 4, 2016 at 3:04 pm
    Local HS Election results (the kids did a mock vote)

    Trump-60%
    Clinton -18%
    Johnson-12%
    Stein- 1%
    Others- 9%

  94. Anon E. Moose, saying 'Come back, JJ' says:

    Grim [17:13];

    Don’t bother. He’s “any weapon to hand”, and has surely said far worse about Palin than was ever said about Adler. They ask/accuse “Have you no decency?!?” because they surely have none.

  95. Fabius Maximus says:

    Grim,

    On her blog and there is some of it on the following days posts until Still shut it down.
    http://njrereport.com/index.php/2009/03/05/federal-reserve-real-estate-conditions-in-the-second-district/#comment-276298

    Part of my comments at the time was that even ambulance chasing lawyers are given Professional Courtesy in a court room. Professional Courtesy was not extended to her by you Clot and the rest. Yes she was/is a cheerleader. But she did not deserve that treatment.

    In fact outside of a few journalists and Lawrence Yun, male realtors have never received the same level of abuse and attack

  96. Steamturd, obsessed with Cankles way more than Wieners. says:

    I don’t get it. First, I don’t ever remember commenting on Sue Adler’s beauty or lack of it. I did make fun of some of her haughty taughty blog entries though. Plus, why does every liberal find it OK to make fun of Christie’s weight but we can’t poke fun at Hillary’s Cankles? And who the really fukc cares. Sticks and stones. Holy softness.

  97. Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:

    Joyce, Google “pied piper”. The Clintonistas wanted Trump or Cruz, the most beatable in their eyes, and they did what they could to manufacture that.

    Now, can improve it without depos, rogs, and requests for production? Not really. But this isn’t a trial–you have to infer in the gaps.

  98. Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:

    Rolling Stone found liable for defamation in UVA case.

    I like how the defense spoke of the journo losing her “journalistic integrity”. That’s the oxymoron of the year.

  99. Fabius Maximus says:

    Talking about Ambulance Chasers

    Moose (and Stu),
    I have never made fun of CC’s weight and I have only attacked Sister Sarah on her words and actions. They are the names I have always used for them, so my posts should be easy to find.

  100. Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:

    DFENS at 11:23

    I never implied or said that Trump was part of a left-wing conspiracy. What I have said is that the left wanted him to be the nominee and work to make that happen. The fact that he is going to appeal to a certain number of people is complementary but ultimately not relevant to the discussion of whether or not he had help from the left. Also, in the early primaries like New Hampshire, the field was very large and it did not take many votes to win. This gave him a good deal of momentum.

    Sadly, his ego is so huge that he believes he earned his right to lead the ticket and could not conceive of himself as the accidental result of a combination of factors, some natural but rare and others deliberate.

  101. Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:

    DFENS at 11:37

    I wasn’t talking about Assange, I was talking about footrest

  102. Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:

    Rory,

    I wouldn’t mention ambulance chasers if I were you. I deal with them in my subrogation practice and there are a few who remind me of you in very specific ways.

    Here’s a hint: There the ones that don’t get a lien compromise.

  103. Steamturd, obsessed with Cankles way more than Wieners. says:

    Grim…what did you say that could have possibly insulted me? I’ve never let anything someone says in jest bother me. I can distinguish between a threat and a joke as well. I really worry for the kids today. So many are going to be in for a major shock when they first encounter any kind of adversity. This really scares me tremendously. As a Resident Assistant in college and eventually a Residence Hall Manager, I occasionally dealt with over-coddled and over protected kids who couldn’t handle it when their roommates did something they didn’t like. Usually is was just a sharing issue, really not a big deal. Occasionally, one roommate was a little too ‘real’. In every case, these kids had simply not been exposed to dealing with any kind of real-life issues. They were completely clueless and in many cases could not even confront their roommates over the issue. How are these people going to deal with diversity in the workplace? And the progressives think everyone should be raised this way. Cunt, cunt, cunt. Pen1s, c0ck, balls. Big effin’ deal. Learn to deal with it.

  104. Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:

    DOL Fiduciary Rule upheld in first court challenge.

    Looks like I’m headed back to the salt mines. See you all in a week.

  105. Steamturd, obsessed with Cankles way more than Wieners. says:

    Fab…you the man for not making fun of Christie’s weight. Super. I choose to keep it real. I stopped using the term retarded. All of the others, people need to grow a backbone about. My mom has cankles to match the the future POTUS. Big deal. My dad has a puny c0ck. Big deal. Grow some cajones. They are only words. Now if I called your mom a stupid cunt, then yes, you have a right to be upset. But calling a public figure a cunt or a b1tch? Really, this bothers you that much?

  106. joyce says:

    “so my posts should be easy to find.”

    I keyword searched through the links you posted, which comments about Sue were offensive?

  107. Fabius Maximus says:

    Eddie Ray,

    Do you extend them Professional Courtesy or do you just sign your letters to them.
    “You’re a C and I hate you!”

  108. Flee? says:

    3b, The premise in this country seems to be that whites are racist. Everyone else is not.

    Definitely not (there are a lot of countries/cultures that are way more racist — not even in the same league). That said, things like racism and misogyny are neither binary things nor permanent character traits (e.g. someone could make an occassional “mild|medium|strong” misogynistic statement without “being” or “staying” a misogynist). It is a continuum in degree and also changes over time. There is a difference between a person casually making misogynistic comments very rarely and part of an argument, versus someone that does it regularly. However, if someone doubles down when called out (e.g. I notice that the c-word becoming very prevalent after Fab complained about it), it can become a slippery slope. If Fab’s family meets Grim’s family, an introduction may be as awkward as “Hi, here’s JB”, “Hi, pleased to meet you”, and later, “is he the one that keeps talking crudely about my boss on the stupid website you spend all your time on?”

    The goal of pointing out problems is not to give “racist or not” tags to people, but to move the needle a bit towards meaningful, considerate discussions. With respect to race relations, we have only recently progressed from bans on inter-racial marriages, and the crap is horrible in third world countries (people killed for marrying persons of a different faith is not uncommon). At least in the US, the notion of loyalty or bias to a race or religion is getting outdated and better left with the older, “best” generation.

  109. Fabius Maximus says:

    Stu,

    You keep it “Real”, I’ll keep it to the issues.

  110. Fabius Maximus says:

    I can’t wait for this election to be over. The Scott Garret Robocalls are getting annoying. He must be really worried about losing this time.

  111. Anon E. Moose, saying 'Come back, JJ' says:

    Butt Wipe;

    My profession is sanctioned by the US Constitution, and was performed by the founding fathers themselves. I really couldn’t give a $h!t if you do have a key to the middle manager’s pushed-paper filing cabinet; or what you think of what I do — you couldn’t possibly need my services anyway.

  112. Steamturd, obsessed with Cankles way more than Wieners. says:

    “I’ll keep it to the issues.”

    You are a bore. :P

  113. Fabius Maximus says:

    Moose,

    In my searches today I came across this.
    http://tinyurl.com/ho3zd97

    That was in my head when I posted, apologies if it offended.

  114. Flee? says:

    Plus, why does every liberal find it OK to make fun of Christie’s weight but we can’t poke fun at Hillary’s Cankles?

    Two things, we have still not evolved to the point where men and women have same expectations on appearance, and there are still some stereotypical gender roles. So someone pointing that I put on a few pounds is not as awkward of someone pointing out that my wife put on a few pounds. On the other hand, terms like “stay-at-home mom” vs “stay-at-home dad” have different impact. It’s just an ongoing slow, long march towards progress (with pendulum swinging wildly at times — the word “niggardly” and the book “nappy hair” got teachers into big trouble)!

    Ideally, it is better to not focus on Christie’s weight or HRC’s cankles, but on tangible policy specifics (and not the types where the Clintons are dining on aborted fetuses they bought with money they got in exchange for providing nuclear weapons to ISIS which they will use soon after Obama takes away all guns and destroys the economy and converts everyone into gays). More like, Cat Grabber has no clue and will screw up the country by pushing for disastrous policies by using populist rhetoric (like the crap the GOP pulled with “9/11 victim’s bill”, but amped up 10x).

  115. D-FENS says:

    Gottheimer calls are just wonderful aren’t they?

    Fabius Maximus says:
    November 4, 2016 at 6:36 pm
    I can’t wait for this election to be over. The Scott Garret Robocalls are getting annoying. He must be really worried about losing this time.

  116. Fabius Maximus says:

    “You are a bore”

    With the hobbies I have, your not the first that has said that.

  117. Fabius Maximus says:

    Gottheimer is more Junk mail. The call ratio id about 5 to 1.

  118. No One says:

    Somebody really has his panties bunched up in his sandy vag1na.

  119. Fabius Maximus says:

    http://www.nj.com/news/index.ssf/2016/11/new_jerseys_10_tiniest_towns_theyre_really_small.html#10

    Gutenberg 30 officer police force to cover a town 10 blocks by 4. and most of the residents live in the Galaxy buildings.

    How can we get to forced consolidations.

  120. Joyce says:

    Come on, Moose. Do you have monogrammed towels? Is it sanctioned or mentioned?

    Anon E. Moose, saying ‘Come back, JJ’ says:
    November 4, 2016 at 6:36 pm

    My profession is sanctioned by the US Constitution

  121. Hillary: “Ethics, Schmethics. I had my fingers crossed.”
    Clinton signed an ethics agreement governing her family’s globe-straddling foundation in order to become secretary of state in 2009. The agreement was designed to increase transparency to avoid appearances that U.S. foreign policy could be swayed by wealthy donors.
    If a new foreign government wished to donate or if an existing foreign-government donor, such as Qatar, wanted to “increase materially” its support of ongoing programs, Clinton promised that the State Department’s ethics official would be notified and given a chance to raise any concerns.

    http://www.reuters.com/article/us-usa-election-foundation-idUSKBN12Z2SL

  122. chicagofinance says:

    Give your mom my condolences……..

    Steamturd, obsessed with Cankles way more than Wieners. says:
    November 4, 2016 at 6:06 pm
    My dad has a puny c0ck.

  123. FabMax – Clinton paid her $50,000 to do it and get caught.

  124. I have a neighbor who died about 10 days ago. I’ll cast two votes for Hillary here in the battleground state of MA to even it out.

  125. Flee? says:

    3b, about Obama: My biggest complaints he is arrogant
    Watch this: http://abcnews.go.com/US/trump-bashes-obama-screaming-protester-wasnt/story?id=43317681
    If you think Obama is arrogant, either you have some impossible standards or are in denial (or you simply cannot accept that he is leagues ahead).

    He is not the first black or African American president. He is the first bi racial president but he appears to play that down.
    He has to play it down to hide the fact that he is a secret ISIS founder and a gay-sharia law enforcer! His ISIS followers will not like it if they find out that he his mother was white and X-tian!

    That said, how is the percentage of Obama’s blackness important, other than to indicate a significant sign of social progress? The “best ancestors” are not going to like how people are actually free to marry whom they like (different races or same sex or different religions or different X-tian denominations).

    It will be soon something like, Johnny is only 255/1024 th black, but he is pretending to be 1/4 th black, heresy!

  126. Flee? says:

    ExPat, stay classy!

  127. Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:

    Rory,

    Call them cunts? Perhaps, in very subtle ways, like reminding them of their obligations or those of their clients. But then the vast majority aren’t being dicks because they are, they are putting on a show for their clients, and advocating aggressively. I’ll accept some of that behavior. Still, there are some firms that I deal with regularly that have a culture of being obnoxious. They won’t get their calls returned or get an offer of a lien compromise even though I believe in the common fund doctrine (and most ambulance chasers like dealing with me because I do). In essence, I’m calling them cunts but it’s mostly because they already lazy and jaded. The professional courtesy is not actually calling then cunts to their faces.

    No, I save the invective for the truly deserving, the nasty, narcissistic types who use projection as a tool in argument, the hateful ones cloaking themselves in the mantle of manufactured righteousness, the ones I’d shove off a bridge because I honestly think it would contribute to world peace.

    Since you asked, I thought I’d reply. Consider it professional courtesy. Now I’ll let you get back to your Two Minute Hate.

  128. Ben says:

    Part of my comments at the time was that even ambulance chasing lawyers are given Professional Courtesy in a court room. Professional Courtesy was not extended to her by you Clot and the rest. Yes she was/is a cheerleader. But she did not deserve that treatment.

    I wasn’t part of the whole episode and I might have just been a lurker at the time. Either way, at that point in time, you are describing someone who is not just a cheerleader, but someone that would put a person that she’s supposed to work for in a position to lose hudreds of thousands of dollars so she could collect a commission. She’s worse than a fund manager who just makes trades upon trades to collect the commision.

    Whether they realize it or not, I believe she did….a person who deliberately encourages someone to make a purchase that runs a serious risk of eroding their life savings is disgusting, and I have no sympathy for them. We as a society are far too concerned with being politically correct to people that have questionable morals.

    These days, it’s almost better to be politically correct than right.

  129. Trumpito wins itTuesdaY says:

    This weekend is a tough ones for Dems political bosses nationwide.

    As the emails show team Clinton/Podesta plays fast and loose with ethics and law. Team Clinton/Podesta’s way to winning was to coerce/strong arm/bribe others into doing their ways. Only way for them to win is to others do those “favors”.

    This weekend a lot of those people that make those favors happens are asking themselves the following questions?

    -What are the odds of her winning?
    -Am I going to stick my neck out for a person that’s likely to be in legal hotwater from day #1 with a very pissed off FBI looking at every link possible everywhere to her and I’m going to get hurt?
    -If she’s in trouble from day #1 she won’t be able to do me “those” favors anyway, so why bother?

    I expect a lot of political insiders to slowly start leaving the theatre. They smell smoke, the alarms have not been triggered, but they are heading to the door.

  130. Anon E. Moose, saying 'Come back, JJ' says:

    Gluteus [17:52];

    I have never made fun of CC’s weight and I have only attacked Sister Sarah on her words and actions.

    Even presuming that’s true, you never said a sideways word about your fellow travelers (e.g., Ace uterus detective Andrew Sullivan) who did (loudly). What was it that was said upthread? “Condone it, you own it.“?

  131. 3b says:

    Flee I am done with you too. I ask legitimate questions and you bbc.co low smoke,lecture, and don’t answer the questions. That is my biggest problem with you and your fellow leftists. You are all intellectually dishonest and refuse to deviate from the script.

  132. Flee? says:

    Flee I am done with you too. I ask legitimate questions and you bbc.co low smoke,lecture, and don’t answer the questions.

    Apology accepted!

  133. McBox says:

    Ouside this morning having breakfast in Tiburon, even a shack with no view 30 minutes North of here is selling for $700k.

  134. 3b says:

    Flee its not an apology. You proved my point that leftists are intellectually challenged and as such incapable of honest meaningful discussion.

  135. Flee? says:

    3b, you raise weak points like, “Obama is arrogant” (did you misspell “uppity”?) — even after a graceful presidency under being questioned about everything, and with very high approval ratings.

    If you don’t even concede a point on common ground (e.g. Obama’s approval is pretty high and he has done some good things), you get back a list of arguments that lets you jump on buzzwords like “intellectually challenged” (wow, how does one reconcile that with “elite” label), and “incapable of honest meaningful discussion”.

  136. Anon E. Moose, saying 'Come back, JJ' says:

    3b, you raise weak points like, “Obama is arrogant” (did you misspell “uppity”?)

    Sure, lead your defense of Obama by calling his critic “RACIST” with the barest shred of evidence. Nothing dishonest about that. And I’ve never heard it before in the last 8 years.

    “Grace” is blaming your predecessor for your policy failures, even 6 and 7 years into your own administration? I do not think that word means what you think it means. You leftists just can’t stick to a recognized definition of any word, can you?

    If Flee’s post was an email it would already have been deleted.

  137. 3b says:

    Flee typical leftist response. like I said intellectually challenged.

  138. Fabius Maximus says:

    Eddie Ray,

    I had to read up on “common fund doctrine” and wow that’s a dry subject. it did remind me of Jarndyce and Jarndyce in some ways.
    A valid question, what impact would Tort Reform have on common fund?

    But I digress. “Now I’ll let you get back to your Two Minute Hate.”

    Is that actually you projecting onto me? You have said repeatedly that you hate me. I have said that doesn’t bother me and I don’t hate you as that would require me to expend effort that I’m not bothered to do.

  139. Flee? says:

    If Flee’s post was an email it would already have been deleted.

    IF… if there is even some agreement on this board that 2x increase is S&P 500 over eight years is actually a good thing, most of my posts don’t even need to exist! The arguments that people make are so out there, they would eclipse the most outrageous hail Mary attempts that Nom would dare to attempt in a high stakes legal battle.

    So, what’s the board’s take on h1b’s that have status violations? Since being h1b is a negative, and violating the status is a negative, it becomes a positive? Does anyone here think the Fuhrer’s third wife should be fined?

  140. Fabius Maximus says:

    Moose

    How is “Andrew Sullivan” my fellow traveler. Never heard of him. This again is you painting with your big Liberal brush. He’s a liberal, your a liberal, he says that so you must think that because I don’t hear you disavowing it. I’m sure Eddie Ray can let us know how many fallacies that hits.

    I don’t ask you to answer for David Duke, just because you hold the same views on the first and second amendments and both vote republican.

    For the record.
    For me CC’s weight is not an issue as I don’t have to worry about a VP who is a heartbeat away from the president.
    For me, a politicians family for the most part is off limits. Chelsea is off limits, Bill is a grey area. He is a public figure in his own right, as is Hillary. Their marriage is off limits.
    Obama kids, Bush kids off limits. Megan McCain, public figure in her own right, but the most part off limits.
    Mary Jo Christie off limits, unless there is a conflict of interest with her husband.

    Gay lover, mistress, love child, unless you are running on a Family values platform, not an issue. I don’t really care what you do with your private life. If its not breaking laws I don’t care.
    Anthony We1ner, pictures to those over the age of consent, I don’t care, if the underage allegations pan out, throw the effing book at him. Huma gets a pass under the spouse rule.

    As to grace? Grace would be to admit there was some good in O’s presidency.

  141. 3b says:

    Fab: Grace? How about fact ? I ask what good was done? Nothing. Just like George Bush before him. 16 years of nothing accomplished.

  142. Fabius Maximus says:

    Flee,

    Melania, off limits, she got here under her own steam and is legal now. I’ll give her a pass.

    Donald with five kids from three wives cannot run on the family values ticket so he can’t call Bill out on adultery.

  143. Essex says:

    I think Sullivan is a pretty interesting dude. A big burly intellectual. But fairly well spoken. The liberal agenda is often misunderestimated. IMHO

  144. How about Hillary and Bill? Hillary had an adulterous daughter with Hubbell and Bill had an adulterous son with a prostitute who he supported with $700 per week until he went to Washington and then abandoned him. If you want to judge a parent you don’t have to look much further than how their kids turned out.

    Donald with five kids from three wives cannot run on the family values ticket so he can’t call Bill out on adultery.

  145. Flee? says:

    Fab, Melania, off limits, she got here under her own steam and is legal now. I’ll give her a pass.

    I think too that her visa status violation (even if completely true) is not a big deal. However, I am interested in knowing the stand from people that advocated for kicking out all “illegals” (and some even advocating kicking out anyone who’s ever been on an h1b). If there is a double standard, is it a red-team vs blue-team thing, or frustration with jobs in specific tech sectors, or people simply being unwilling to concede anything in an argument, or they actually believe there is no inconsistency.

  146. Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:

    Rory,

    “But I digress. “Now I’ll let you get back to your Two Minute Hate.”

    Is that actually you projecting onto me? You have said repeatedly that you hate me. I have said that doesn’t bother me and I don’t hate you as that would require me to expend effort that I’m not bothered to do.”

    As is often the case, you have missed the forest for the trees. I was full well aware of the accusation of projection when I made that comment, but it really wasn’t about you and I. You were focused too narrowly. Rather, it was about the political philosophy and machinations of your fellow travelers–it was about your utter contempt and distain for those with whom you disagree, even to the point of rank hypocrisy.

    Now as for hating you personally, really, it isn’t much of an effort at all. It’s more like a hobby. We are each other’s respective bete noirs. And the difference between you and me on this point is that I admit it.

    Finally with respect to your question on to perform, I will have to give you a lawyers answer: it depends. If the tort reform were merely a “loser pays” rule for attorney fees, it probably would not affected very much. There would be fewer cases filed but the mechanisms would remain the same. Subrogation is more of a contract law concept consequently the only thing that would affect it would be a ban or a limitation on its use. Many states have anti-subrogation statutes, however the federal government does not and a self-funded plan is exempt from these state laws under ERISA.

    The alternative to subrogation would be for the plan to intervene in every single personal injury case in which they paid out funds (naturally, they would only intervene in the larger dollar cases). This would lead to more and messier litigation. In the alternative, the feds could pass a law that bans self insured health plans from seeking subrogation AND from going after tortfeasors who caused injuries for which they paid costs. But that would have an attendant affect on premiums since monies recovered in subrogation are paid into the plans for future benefits and help keep premiums lower. So, as you can see, there are some very real policy implications– it isn’t just about which lawyer gets paid.

  147. Comrade Nom Deplorable, just waiting on the Zombie Apocalypse. says:

    Pardon the typos in my last post. This voice recognition software seems to be getting worse. I’m not quite sure how that works but then I am not a coder.

  148. Mike says:

    Anyone know what happens when a home is up for sheriffs sale and there are children under the age of 18 living there, does it make a difference?

  149. 30 year realtor says:

    Mike, No difference with children under 18. Can’t be evicted or auctioned if you have an active duty serviceman in the family.

  150. McBox says:

    I mentioned the election last night in a bar full of drunks here in blue,blue northern California. The only opinon I heard was they are holding their noses too. It is going the be a close election.

  151. Another lurker says:

    Free,
    Based on what you said about your employer changing its pension plan, any chance you work for a company headquartered in a small town in Essex County? If yes, small world.

  152. Another lurker says:

    Free = Flee

    (Apples autocorrect is horrendous)

  153. Mike says:

    Thanks 30

  154. Flee? says:

    Lurker, nope, don’t want to doxx myself regularly, but it is easy for you to figure out. Seems like many companies are doing away with pension plans for new hires (may be because defined contribution is probably easier to manage than defined benefits).

  155. Joyce says:

    Clinton directed her maid to print out classified material

    http://nypost.com/2016/11/06/clinton-directed-her-maid-to-print-out-classified-materials/

    Another non crime I suppose

  156. 3b says:

    Joyce: does not matter. The left simply will ignore it. Hillary can do no wrong. It’s all a conspiracy to make her look bad. Fab will be able to walk you through it.

  157. Flee? says:

    Joyce and 3b, you are missing the big news! She plotted an assassination attempt on the GOP nominee (sorry, too much respect to invoke the name directly). The lame-stream media and the left are suppressing it. We need real patriots like you to reach out true American news outlets like NY Post, Fox News, and Brietbart to save the country.

  158. 3b says:

    Sorry flee don’t you care paint me as Fox ny post or anything else. I am neither so called left wing or so called right wing. I am however what the so called left despises I think for myself. I don’t need you to lecture or spell it out for me.

  159. Flee? says:

    3b, if you think US is not going to do well under an HRC presidency, you should short the big pop in markets on Monday AM.

  160. Joyce says:

    Read the statute and tell me do you think she broke the law or not? At least you’re unbiased enough to initially respond with a bunch of nonsensical assumptions that I support Trump or the Republican Party – well done sir.

    Flee? says:
    November 6, 2016 at 5:01 pm
    Joyce and 3b, you are missing the big news! She plotted an assassination attempt on the GOP nominee (sorry, too much respect to invoke the name directly). The lame-stream media and the left are suppressing it. We need real patriots like you to reach out true American news outlets like NY Post, Fox News, and Brietbart to save the country.

  161. 3b says:

    Flee no stock advice from a simpleton please. Hillary will win as the vested interests want. Nothing will change. And you liberals leftists however you wish to describe yourselves will congratulate each other on saving America from Armageddon.

  162. Not too bad a call, right?

    The Original NJ ExPat says:
    October 28, 2016 at 1:30 pm
    To be really cynical, the FBI is running interference to bury the Clinton Foundation emails.

  163. Essex says:

    5:35 The Dems will win because the party of Lincoln is bereft.

  164. Flee? says:

    Joyce, there has to be some context before jumping the gun. The moment the article had “state secrets” it has jumped the gun. Notice how mainstream media didn’t touch Trump child rape accusation story while only fringe left places were mentioning it? Similar signs here. I was curious to see about the press conference but it was cancelled. Till there is no traction in major media houses, no need to jump the gun.

  165. Joyce says:

    You’re relying on “major media” to be a barometer? I pray you’re joking.

  166. 3b says:

    Joyce flee is not joking. So there you go.

  167. Steamturd, obsessed with Cankles way more than Wieners. says:

    ExPat. You make more calls than a telemarketer in Hyperabad!

  168. Flee? says:

    Joyce, you are one of the more reasonable ones here, and while your choice of NY Post is odd, you didn’t say something outrageous. So, sorry about the snark.

    Wouldn’t it make sense to wait to get more information? If the story has any legs, CNN will want to milk it for as long as they can. They are probably trying to dig up breaking news on MH 370 to cater to the people that forget to change the channel after Tuesday night.

  169. 3b says:

    Flee there is the arrogance showing. Anyone who disagrees is deemed unreasonable and then labeled. Only a matter of time before we are sent to political reeducation camps.

  170. Grim says:

    anyone have a spare hammer mill laying around?

  171. grim – in mod if you have a chance?

  172. Flee? says:

    3b, yeah, I was sent to the re-education camp as soon as Obama was elected in 2008. Turns out we went from “2.5 x” amount in 2008 (if we liquidated our 401k’s and paid taxes and penalty) with renting to about “10 x” (after-tax-and-penalty value of 401k’s + home equity + investments [I am a born-again simpleton, so I put almost everything in SPY stock]).

    May be a jump from 2.5x to 10x in eight years low compared to what others here have or made. I am more than thankful for what I have (may be I got way more than I deserve — definitely I got way more than what my targets were). Most of it was by a simpleton-strategy (max out 401k’s/solo-401k’s; invest in SPY; no luxury cars; live below the means). Thanks to reeducation camps of Obama!

  173. Essex says:

    I’m confused by parenting in general, but find that since there is no handbook I echo my own parents a lot which is disturbing and probably completely outdated. I am a walking anachronism.

  174. Essex says:

    ^^Above post in response to steamturd’s overparenting seminar post.^^

  175. Flee? says:

    3b, going by your posts about your housing-related strategy, you are probably a wild outlier. Fast Eddie was trash-talking housing market and predicting doom, but seems to have made a reasonable decision (I am presuming an upgrade). You actually seem to have consumed the kool-aid. I’d say more of “reckless” than unreasonable. I don’t know you, but I can share my experience — I did some speculative stuff in 2008 (gambled away quite a bit of money thinking I was smarter than I actually was), and my wife would have been more than justified in kicking me out of the house. Even to this day when my wife mentions something positive about my judgment, I remind her “don’t assume anything, I have done horrible stuff before, so always hold me accountable”.

    The underlying problem still remains, about 40% population still thinks that Obama’s years were horrible (not even “some good, some bad”), think that Cat Grabber will easily fix it (Bernie’s plans for “utopia in 100 days” had more detail than Cat Grabber’s plans), and have a grudge against “the others” (granted, higher-end tech people have made out like bandits while lower-end tech is disappearing because of automation, self-service cloud, and global outsourcing).

    Anyway, I have permission to screw around on the internet till Tuesday night, before I do my share of stuff at home, and I am already at “100x” my quota of posts I should have.

    Suggestion to Grim… Please do a purge of old posts at some time. It’s way too easy to mine the blog with a decade worth of info — it is a divorce lawyer’s dream. Difficult to remove wayback machine, but put on a robots.txt going forward.

  176. It is funny how that works, right? I hear my Dad all the time in my head but the difference is that we waited long enough before having kids that I’m not really worried about the dollars and cents when the kids leave the lights on, so I mostly just turn the lights off myself without saying a thing except every now and then. Nowadays we have all these online systems and websites where we could be on top of not only both our kids daily HW assignments, but also their quiz and test grades. We never check it. We just take the mid-term progress reports and report cards and work from there. My oldest daughter actually had an “F+” in Algebra 2 for her mid-term report about a month ago. I started working with her and it turns out she has a teacher that just doesn’t teach. She gives the kids packets and expects them to teach themselves. No big deal. I’m not going to storm the school and demand she gets more 1-on-1 attention, I just had her approach her teacher for extra help once (to show she cares about her grades) and I monitor and teach her myself. I’m good enough at doing it that she can now do her homework by herself at least a couple days a week and is now getting A’s on quizzes and tests.

    Rule #1 – Don’t sweat the small stuff.
    Rule #2 – It’s all small stuff.

    Essex says:
    November 6, 2016 at 9:48 pm
    I’m confused by parenting in general, but find that since there is no handbook I echo my own parents a lot which is disturbing and probably completely outdated. I am a walking anachronism.

  177. Suggestion to fleabag – go start your own blog. Maybe spend a lot of time there and come back twice a year to tell us how you’re doing?

    Suggestion to Grim… Please do a purge of old posts at some time. It’s way too easy to mine the blog with a decade worth of info — it is a divorce lawyer’s dream. Difficult to remove wayback machine, but put on a robots.txt going forward.

  178. Flee? says:

    Expat, do you want to preserve for eternity your brilliant plan to day-trade your primary residence where your wife and kids live?

  179. Fleabag – Acting much like a Clinton drone who continually spews, “Russia, Putin, Russia, Russia, Putin, Putin!!!” you continually fail to explain what you mean by your repeated assertion that I am “day-trading” my primary residence. I bought it in 2002 with a 40% down payment, double paid my mortgage for many years to the point where we now have 85% equity, so… why are you stupidly parroting something that makes no sense? We have made a decent profit over 14, almost 15, years and you continually make noises like you are a stupid owner of nothing, which I expect you are?

    So once again, doofus who has never sold a property, pray tell, what do you mean by saying that I am “day-trading” my primary residence?

    You may be slow to realize this, but we like people like you here. It’s great sport.

  180. Flee? says:

    Expat, My oldest daughter actually had an “F+” in Algebra 2 for her mid-term report about a month ago…. I monitor and teach her myself. I’m good enough at doing it that she can now do her homework by herself at least a couple days a week and is now getting A’s on quizzes and tests.

    If a kid can go from F+ to A’s in a month, why not spend even more time and help the kid soar?

    I realize I am a horrible parent (I am ashamed of myself for the amount of time I spent posting here; and I don’t want my kids to ever know the amount of the posts)… But, as one father to another, let’s both agree that the kids are more important than arguments about politics with strangers on internet? I came to this site to learn about RE, and got a lot out of it (thanks to Grim, Clot, Lib, Gator, Shore, Nom, and many more). May be this place still is better for RE discussion and daily life issues than nation-wide politics?

    If it’s of any consolation, I hate myself more and more disappointed in me than even my worst insults at anyone here can convey. Even actual day-trading of primary residence is probably less harmful than abandoning kids!

  181. Fleabag – You might want to Google use your favorite search engine to find out the details about Boston Latin, where both my kids attend. Maybe your kids attend a school that sends 25 kids to Harvard every year, but my guess is that you don’t and you live in a bi-level in Edison, NJ.

  182. Fleabag – Maybe get some professional help vis-à-vis help on resolving your shame? It could be the best personal investment for the benefit of your kids, maybe?

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