From the WSJ:
Citi Pushes Foreclosure Alternative
Mortgage lenders are trying to arrange smoother departures for distressed homeowners who can’t be saved by loan modifications–and discourage them from trashing the homes on their way out.
CitiMortgage, a unit of Citigroup Inc. (C), announced Wednesday a pilot project that will let some delinquent borrowers remain in their homes without making mortgage payments for six months if they voluntarily transfer ownership to the bank.
Over the past two years, millions of foreclosures have been delayed by state and federal programs requiring lenders to try to keep borrowers in their homes by easing their monthly payments. But the moment of truth is approaching for hundreds of thousands of households that sought help under the Obama administration’s Home Affordable Modification Program, or HAMP, launched a year ago, as well as borrowers who have sought help through other programs.
“We are concerned that if there is a foreclosure glut at some point in the cycle it would have to have a negative impact on house prices,” and Citi’s pilot program should help prevent a build-up in foreclosed homes, said Sanjiv Das, the chief executive of CitiMortgage in an interview.
…
The CitiMortgage pilot program provides incentives for more borrowers to use a procedure known as a “deed in lieu of foreclosure,” in which the borrower voluntarily transfers ownership of the home to the lender, which then cancels the mortgage debt. Aside from letting such people stay in the homes for six months, CitiMortgage says it will give them at least $1,000 to cover relocation costs, an incentive sometimes dubbed “cash for keys.”Mr. Das said, “Something formally needs to be done in addition to the modifications. We are in a different stage of the housing cycle. Restructuring mortgage payments was part one of the cycle, making sure that foreclosure glut doesn’t hit the industry is part two of the cycle. Citi is trying to stay ahead of it.”
The pilot program is available for certain people whose mortgages are owned by CitiMortgage in Texas, Florida, Illinois, Michigan, New Jersey and Ohio. The bank should benefit by avoiding legal costs and reducing the time homes are left vacant and exposed to vandalism. Participants will be required to “maintain the property in its current condition,” the bank said. It plans to expand the program if the pilot is successful.
From the Washington Post:
Mortgage officials try exits softer than foreclosures
Seeking alternatives to the nation’s struggling foreclosure prevention efforts, federal and mortgage industry officials increasingly are looking for ways to get distressed borrowers to leave their homes voluntarily, without going through the expensive foreclosure process or a messy eviction.
Citigroup, for instance, plans to announce a pilot program on Thursday that would allow delinquent borrowers who don’t qualify for or decline mortgage relief the opportunity to stay in their homes without making payments for up to six months before turning over the keys, in return for keeping the property in good condition. The bank estimates that up to 20,000 borrowers in Texas, Florida, Illinois, Michigan, New Jersey and Ohio could be eligible.
…
Moody’s Economy.com has forecast that the number of short sales and transactions in which borrowers surrender their deed in lieu of foreclosure will increase more than 50 percent, to about 490,000, this year. That is just a fraction of the 1.9 million homeowners Moody’s has forecast will lose their homes to foreclosure this year, up from 1.7 million last year.
From the Star Ledger:
CitiMortgage offers option for N.J. homeowners in default
The fourth-largest mortgage servicer in the country is offering homeowners in New Jersey who are 90-days late on their payments a chance to walk away with cash.
CitiMortgage, a unit of Citigroup, will announce today a trial program that lets borrowers remain in their homes for six months after signing a deed-in-lieu of foreclosure contract — so called because owners agree to hand over their homes to the lender.
These borrowers also will receive at least $1,000 in relocation expenses.
“Basically, the lenders are giving defaulted owners cash for their keys,” said James Bednar, who writes a real estate blog at njrereport.com.
He said some participants could eventually end up saving as much as $20,000 after relocation expenses and mortgage payments.
…
Real estate agents also said the program could have an adverse effect on New Jersey’s already troubled housing market by driving down prices.“They’re going to have to be at a lower price than everyone else,” said Sal Poliandro, a Saddle River-based real estate agent, of the homes that will eventually go up for sale. “Not only are they going to have these houses on the market, they are going to be encouraged to sell them quickly.”
Frist!
From Reuters:
US foreclosures drop in Jan but more loom-RealtyTrac
U.S. mortgage foreclosure filings dropped in January but the decline may prove only temporary as housing-rescue efforts fall short of addressing current drivers, a report released on Thursday showed.
Foreclosures are by far one of the biggest threats to the U.S. housing market, which remains highly vulnerable to setbacks and heavily reliant on government intervention. If foreclosures continue dropping it would be one of the strongest signals yet the market is on the path to recovery.
Foreclosure filings — including mortgage default notices, house auctions and home repossessions by banks — were reported on 315,716 properties in January, a decrease of nearly 10 percent from December, but up 15 percent from the year-earlier month, real estate data firm RealtyTrac said.
…
“January foreclosure numbers are exhibiting a pattern very similar to a year ago: a double-digit percentage jump in December foreclosure activity followed by a 10 percent drop in January,” James J. Saccacio, chief executive officer of RealtyTrac, said in a statement.
“If history repeats itself we will see a surge in the numbers over the next few months as lenders foreclose on delinquent loans where neither the existing loan modification programs or the new short sale and deed-in-lieu of foreclosure alternatives works,” he said.
REOs, or real estate-owned properties, activity nationwide was down 5 percent from the previous month but still up 31 percent from January 2009; default notices were down 12 percent from the previous month but up 4 percent from January 2009; and scheduled foreclosure auctions were down 11 percent from the previous month and up 15 percent from January 2009, RealtyTrac said.
From the Star Ledger:
N.J. foreclosure rate drops 39 percent, report says
Foreclosure filings in New Jersey dropped about 39 percent in January from the previous month, yet still remained higher than they were in the same period in 2008, according to Irvine, Calif.-based RealtyTrac.
The firm — which tracks defaults, bank seizures and auction notices — said 6,146 foreclosure notices were served in the first month of the new year.
RealtyTrac doesn’t distinguish between notices served to commercial and residential owners.
In the meantime, New Jersey is still reeling from a housing crisis that sent the number of troubled borrowers skyrocketing.
From the Press of Atlantic City:
Area foreclosures drop sharply in January
Foreclosures in southern New Jersey fell sharply in January, but remained substantially higher than the same period a year ago, foreclosure data firm RealtyTrac of Irvine, Calif., said Wednesday.
January filings fell nearly 10 percent nationwide, yet still remained 15 percent higher than a year ago.
Atlantic County foreclosures were down 40 percent for the month and 45 percent higher than the previous January. Cape May County filings were 42 percent lower than in December, but up 26 percent over the prior year. Ocean County’s 36 percent drop in January left it 39 percent higher than January 2009.
Only Cumberland County managed fewer foreclosures for the month – down 42 percent – and from the prior year, down 7 percent.
James Saccacio, RealtyTrac president, said the data was typical of the season for the highly volatile foreclosures, with double-digit drops in January following double-digit increases in December. If the pattern holds, the next few months will see filings increase.
December monthly foreclosure increases locally were 11 percent in Atlantic County, 14 percent in Cape May County, 26 percent in Cumberland County and 11 percent in Ocean County.
From RealtyTrac:
U.S. FORECLOSURE ACTIVITY DECREASES 10 PERCENT IN JANUARY
January 2010 – New Jersey
Lis Pendens – 4208
Notice of Sale – 1002
REO – 936
January 2009 – New Jersey
Lis Pendens – 3363
Notice of Sale – 1001
REO – 640
Watch that last number, in January of 2009, despite the number of actions taken, only 640 homes were taken back by banks. In 2010, the figure jumped almost 50% to 936 homes.
How many people on this blog actually think
that Citi is trying to help the homeowner?
Its a good deed. Anybody here have a Citi
Credit Card, see how they treat you with that.
I thought a homeowner could squat for over a year without making a payment before getting evicted. Why would people take 1k and leave after 6 months if that’s the case? Does the Citi program free the homeowner from any future liabilities and claims bt Citi?
part of the reason they are doing this is
because a homeowner can squat for a year.
this is BS its in their best interest to get you out. Saves them legal, and if a homeowner
wants, i believe you could stay for perhaps
two, or even longer.
This is a joke.
http://www.sacbee.com/politics/story/2528864.html
Something positive to report for CA:
“State tax haul $1.3 billion above January projection”
Deed in lieu programs are designed to save lenders money.
How?
Shortens timelines to seizure.
Reduces legal fees.
Reduces damage to homes, improving resale.
Reduces overall nonpayments (they will take a 6 month loss instead of a 12 month loss).
Muni Bond Funds – lets be careful out there people
http://www.financialarmageddon.com/2010/02/no-safe-haven.html
I don’t care what Citi or other lenders say, these programs are for their own benefit, not the borrowers.
#10 grim,
I wonder how many participants get stuck with a promissory note or other claims from the “generous” lender.
http://www.sacbee.com/politics/story/2528528.html
Well…Some good news for CA but always bad news as well:
“CalPERS project in Boston on verge of going bust”
Somebody must have made big bucks duping these CalPERS idiots on one big RE deal after another…
http://www.nytimes.com/2010/02/11/health/policy/11insure.html
Streamline – rarely a good word…
“New Jersey Added to Trial Program to Streamline Health Insurance Paperwork”
the citi corp deal is a screw job for the
homeowner. they know people can stay for years
its for the benefit of Citi, not the screwed
homeowner. or as some what to say “deadbeats”
my ass, screw Citi corp, before they screw you
Recourse on a deed in lieu?
I’d love to see that play out in court.
Especially since it will be Citi pitching the offer.
Scot free
http://www.marketwatch.com/story/commercial-loan-losses-could-threaten-system-cop-2010-02-11
“Commercial Mortgage Failures Threaten System: Overseer”
COP – CRE
More on CITI from Bloomberg:
http://www.bloomberg.com/apps/news?pid=20601087&sid=a5oyeNFX5hVs&pos=6
“Citigroup “Trups” may be for sale as U.S. seeks bailout profit”
#
sas says:
February 10, 2010 at 11:12 pm
its time some of you blokes out there wake up and smell the Folgers coffee. ain’t a dime difference btw a republican or democrat.
Don King owns them both.
SAS
come on, deer hunter. tell us something we don’t know.
Iran a nuclear state? I am shocked, I really thought they were only developing nuclear power for energy. If you can’t trust the Iranians, who can you trust?
Home @ 21
http://news.yahoo.com/s/ap/20100211/ap_on_re_mi_ea/iran_nuclear
I thought they were watching a 3-D movie.
Question for the collective
If you have the opportunity to buy a home from a family member for a cut rate and the total piti would be only 15-20% more then your current rent, does it make sense to do so.
Pro’s would be a built in put option and being able to live in the house for a year or more without paying the mortgage in a worst case scenario. Also a good chance of being able to pull off an effective 0 down deal and conserve cash.
Con’s
property tax exposure and maintenance
thoughts?
meanwhile freddy and fanny buying up
bad paper at record rates.
“Somebody must have made big bucks duping these CalPERS idiots on one big RE deal after another…”
If CalPERS operated like most pension funds in the past decade I am sure there’s plenty of CalPERS reps who were rewarded handsomely above and below the table to make such “investments”.
Citi is the home-owner. The person in house put no or little money down, is underwater and stopped paying Mortgage, taxes and insurance. He or She is a squater who does not have his name on title.
The squatter is denying Citi, the home owner from selling his house, btw we all own a lot of citi so the squatter is stealling directly from every taxpayer.
Citi offered the loan John. They were the experts in the loan business.
“I’ll give you $1 dollar for Boardwalk and Park Place.” The bank should have known better.
grim says:
February 11, 2010 at 7:51 am
I don’t care what Citi or other lenders say, these programs are for their own benefit, not the borrowers.
of course, Grim. they run a business. would you expect anything less?
the borrowers are shafted. i wish i had a good strategy for them, but i dont.
Freedy, the people who read this blog get the idea. You’re a deadbeat and you support stiffing anyone you’re indebted to.
But can you drop the rain man act, or is that the extent of your cognitive ability?
Hyde we were offered a deal like that but the property taxes are prohibitive where the in laws live and we felt like the house would never be ours
Citi in most cases did not offer loans. BS places like American Home Mortgage gave out lier loans and fudge documentation and Citi ended up buying these mortgage from mortgage brokers that went bankrupt and Citi has no recourse to unload them.
Chase used to have a whole section of bank that bought mortgages from Mortgage brokers out in Lake Success Long Island and Wamu was big into it. Jamie fired all those people and now Chase directly gives mortgages only and verifies the information itself. This is a huge legacy issue.
Quite often the bank never loaned these people a nickle, they bought the paper under false pretenses. It is illegal to outright lie and submit false documentation to obtain a mortgage most of these underwater homeowners are criminals.
Plus I still own Citi bonds paying me 16% a year for 30 years, how can I afford my steak and lobster and front row jets tickets if the deadbeats stop paying, say a prayer for me this does not impact my income stream.
homebroken – Who can you trust?
Sarah Pal!n
Any mechanic
Darth Vader
Your federal government
Scott Boras
Beck & Rush
Richard M. Nixon
Lane Kiffin
Typical Citi screw job. You can drag things out up to 24 months with minimal effort, still short sell your house…and extort $3,000-$5,000 cash-for-keys. Just threaten to cut off the power and abandon your house in weather like this.
I regularly negotiate $3,000+ cash-for-keys for my clients.
F^#k you, Citi.
The Citi Never Thinks
only 3k, i thought you could get more.
and your right 24 months,, easy, with a little work.
and be careful ,, you will be deemed a
deadbeat defender.
safe (13)-
Starting April 5, demanding promisorry notes on mortgage deficiencies will become illegal for Phony/Fraudy issued or backed mortgages.
freedy (37)-
The rumbles I hear is that they are going to try to crack down on people like me by deeming us “unregistered financial advisors”. That way, the little guy will be up shit creek with no access to advice or help.
Just the way the banksters want it.
33
Vader.
Pain:
property taxes are my main concern.
John,
Citi didn’t know it, but Goldman shorted it. That’s believable. And us morons on the NJREREPORT are the experts as we saw it coming.
You can do better than that John.
I would have to go w/ Vader as well.
grim (17)-
I think that Citi is going to try to get the homeowner to allow a short sale within that 6 month forbearance period. DIL is better than FK, but a short sale creates the least possible loss to the bank.
BAC has a trial program in the pipeline that is almost identical to C’s, but revolves around selling short as fast as possible.
hyde (23)-
I like it. Have the family member hold paper, too.
schump
<i.Have the family member hold paper, too.?????
Clot,
are do you have an over/under on how long before Germany starts talking about returning to the Deutsche Mark?
Clot,
do you have an over/under on how long before Germany starts talking about returning to the Deutsche Mark?
hyde (45)-
Depends on how close that family member is, and how much each party trusts the other. You can pull off some interesting things with a little cooperation.
hyde (47)-
Yes. Tomorrow.
Stump[39];
I see your point I mean listenting to upstanding, bona fide REALTORS® about how “Home prices only go up,” “Buy now or be priced out forever,” and my personal favorite, “This is the best investment you can make in your family’s future,” (emphasis mine) has done wonders for the 25% of borrowers now underwater, hasn’t it?
I take it you object to people wanting to flack used houses as “investments”, but not be bound by the same rules that investment brokers live by?
Hyde[47];
Cool! I still have a 100 DM note that I never cashed in. Now I won’t have to. Procrastination pays off!
#36 Freedy
Here’s an idea for you, since your stuck on that one. Instead of polluting this blog with your repetitive posts, why don’t you start your own deadbeats blog?
You seem to have a real knack for this. You could teach people how to get free transit rides by pretending they’re disabled, and how to jimmy the soda machine for a free drink. Lots of potential for you there.
“The CitiMortgage pilot program provides incentives for more borrowers to use a procedure known as a “deed in lieu of foreclosure,” in which the borrower voluntarily transfers ownership of the home to the lender, which then cancels the mortgage debt.”
What is the difference between this and foreclosure? Or is this just a faster, cleaner foreclosure process where the homeowner takes less of a hit to their credit score?
In the end the effect seems to be the same as a foreclosure since the home goes back to the bank and banks will control all of the inventory, which is not good for all of us bubble sitters hoping for a 40% discount from peak.
Moose,
The father land wont have much choice if they dont want to get dragged down by Greece, Spain, Ireland and eastern Europe.
Perhaps they will choose to go down with the ship, but I think at some point the German people might start to make their displeasure known to the politicians
citi has a problem, gov. controlled.
and the gov knows housing is a problem.
citi ,, gotts to get those deadbeats out and
on the streets.
Who pays the property taxes on all of the foreclosures???
Are the banks actually ponying up the taxes? Are towns going after the bank for taxes due?
Is this just one more time bomb in the mix?
normally the bank, who normally is screwing
the deadbeat homeowner, continues to pay the
taxes.
that’s what they don’t like. if the taxpayer
who continues to be a deadbeat squats for
24 months,, my oh my do the math.
of course , the bonus pool for citi and
the others has no effect.
John 31 – BS. Our friends just refi-ed through the little outfit that we used. Guess who now holds their mortgage? Chase.
Hyde, you have an interesting situation there.
your answer really depends on the numbers and the dicount offered on the price.
Its hard to tell by ‘an extra 10-15% piti’ because i dont know what your rent is now and where your piti will be after you buy that place.
I wouldnt worry too much about property taxes, they are horrible, always have been horrible and always will be horrible in nj. But the good news is that we have a monster structural state deficit and are required to balance, so just like in the early 90s during the last housing bust, property taxes will come down a little bit in the coming years. they will never be low. they will always be high in nj.
you guys see this?
http://www.nytimes.com/2010/02/11/business/11bonus.html?hp
It turns out that some of the highest-paid financial executives in America work far from the canyons of Lower Manhattan, at companies that have largely avoided the outcry over the return of hefty paydays on Wall Street.
Topping the list is John G. Stumpf, head of Wells Fargo, the bank based in San Francisco, according to an analysis of 2009 compensation in the industry. Mr. Stumpf was paid a personal best of $18.7 million in cash and stock for 2009 — up 64 percent from 2007, just before the financial crisis struck.
Mr. Stumpf is making twice as much as Lloyd C. Blankfein, his counterpart at Goldman Sachs. Mr. Blankfein — who for many Americans has come to symbolize this new period of Wall Street riches — was paid $9.7 million for 2009, less than some expected.
It is a stunning reversal in the old pecking order of pay. Big names on Wall Street like Mr. Blankfein usually take home far more than staid bankers like Mr. Stumpf, whose bank’s biggest business is making home mortgages and loans to corporations.
#54 If I were the Germans I would be pissed that they have to bail out all the losers in Europe. And Greece lied to get into the Euro zone, out and out lied. They should be kicked out.
#59 Actually property taxes were not all that bad, only in the last 5 or 6 years that they have gone insane.
In fact north Jersey property taxes were much more competitive than Westchester NY, one of the reasons we moved to Bergen in the first place, along with cheaper car insurance, and commutation costs.
Hyde our PITI would have been 3000 a month, including taxes, but the taxes in their town have been averaging a 300 per year increase. I laws want to get out and viewed us as the best option, wife wants no part of it. she has siblings that treat mom and dad as their personal banks.
Commercial mortgage failures threaten system: overseer
Losses may range between $200 billion and $300 billion, report says
http://www.marketwatch.com/story/commercial-loan-losses-could-threaten-system-cop-2010-02-11
John,
That is an all-time classic. Poor Citi they were duped by these mortgage broking con-men. Give me a break. They are in trouble because they were dumb enough not to dump more of the junk onto unwitting municipalities and pension funds. They knew the game they were playing. Chuckie Prince said it best, “as long as the music is playing you got to keep dancing”.
Pain
The PITI would be under 3K and taxes are currently 6K.
Inlaws actually want the house to stay in the family and everyone is on good terms.
So how long until Citi becomes
the nation’s largest property management firm?
I thought CITI and all the other big banks were flooded with sophisticated Ivy League bankers? How did all those Ivy leaguers get out smarted?
“So how long until Citi becomes
the nation’s largest property management firm?”
Perhaps they should change to REIT status. Their stock would likely triple.
3b, when prices of home were going up 15% per year, most could care less if their property taxes were increasing at a rate of 10% because they felt their homes would eventually make them rich and the taxes were just a small fee in relation to all their equity.
Plus when the economy was better, most people could afford to pay it and were happy to keep uop with the jones’.
Im hoping that as prices correct and as unemployment and foreclosures continue to skyrocket, taxes will come back down to earth because people will become extremely outspoken about it. its already becoming popular for politicians to slash budgets and cut funding. politicians will catch on and do what gets them elected.
There is a special place in Hell for this guy:
http://www.dailymail.co.uk/news/worldnews/article-1249191/Soldier-father-accused-waterboarding-daughter-4-recite-alphabet.html
Veto 70
the hard part is the large # of people employed by the town and state. At some point the town/state is going to resist cuts due to the unemployment effects such cuts will have.
The effect could be even worse in a place like NJ where the major employers 9 Pharma, finance, telcom) are all pulling out or scaling back.
“Foreclosures are by far one of the biggest threats to the U.S. housing market”
THE biggest threat to the housing market is overpriced homes.
Hyde, they will cut it all: jobs, salaries, pensions, benefits, unemployment at the state and local level. They have to in order to balance the budget. its not optional.
If the fed wants to keep printing to cover our deficits then it will buy some time but that is not a long term option.
Shore Guy (73): you got that right. And the government is doing everything possible to keep homes overpriced. Does anyone have a total as to what was spent by them in their MBS purchases?
Veto,
you have mail
Think the following is true?
a potential benefit of Citi making this offer instead of outright kicking the homeowner to the curb is that it affects the psychology of the person such that the perception of goodwill makes it less likelihood to vandalize the property.
And congrats to Grim for getting quoted in the mass media again!
Hyde, if that is the case I would jump on it. The question is how does the wife feel about it, your tolerance level owing cash to a relative and do you want to leave lovely Morris County?
61 3b
Meanwhile Turkey has been banging on the EU’s doors to be let in…
“Hyde, they will cut it all: jobs, salaries, pensions, benefits, unemployment at the state and local level. They have to in order to balance the budget. its not optional.”
I disagree. They will figure out ways to bond operational costs as hidden capital items. Locally, this is occurring with regularity. Montclair reduced $600 a year in property taxes by making a sewer authority that does not get paid out of the property tax revenue. The town claimed they lowered taxes. Meanwhile, we now must right a non-tax deductible check of $600 that we didn’t write before. They will continue to do this until the capital budgets are so large that the interest payments on the debt are larger than the debt themselves. This will occur at the state and county level as well. Look at what Whitman did with halting the funding of the state pension system and then lowering your property taxes by 30%. In the end, you will probably pay a lot more to bail out the public pension then had you not received that temporary tax cut.
My only beef with what Citi is doing is the fact that they want to hold on to inventory and protect prices (duh, no mark to market).
Other than that, speed up the foreclosures and have them be in better condition sounds good to me, time to get this train wreck moving again. I just want them dumped on to the market tout suite. Homedebtors out in 6 months sounds better than out in 2 years from my perspective.
We all have a horse in this race- mine is I’ve been very very patient for a very long time and would like to see the benefits at some point in my lifetime.
Pain,
located in morris county and the wife is interested.
I’m a little hung up on holding a mortgage in the current environment. Having the “put” option is nice but am realistic that the wife would push back substantially before agreeing to utilize it.
I have a few months to mull it over.
Oofah, spelled write right and wrong in the same sentence. Repeat that 5 times in a hurry.
shore:
amusement for the day:
An Arab ambassador called for an instant divorce after discovering his veil-wearing fiancée had a beard and was cross-eyed
http://www.dailymail.co.uk/news/worldnews/article-1249922/Ambassador-calls-divorce-veil-wearing-bride-reveals-beard-crossed-eyes.html
stu, yeah they will do all of those gimmicks at first and some of it might stick. But they cant continue to raise taxes and create new taxes without people going nuts and punishing politicians when it becomes the elephant inthe room.
Actually its better if it does become worse first because that is what will get people to speak up and do something about it. the tea party is a good start. We will see more of it.
Juice, have you every worked at Citi, have you ever did an end to end review of the process of buying whole loans from mortgage brokers and securitizing them into MBS or holding as investments and maintaing servicing rights? If not you should not comment.
I have seen the store rooms with boxes of whole loans from mortgage brokers and was amazed at how many people name Jose have landscaping businesses making 200K a year. Fake SS’s and everything. That is who is being kept in their house.
Juice Springsteen HEHEHE says:
February 11, 2010 at 10:29 am
John,
That is an all-time classic. Poor Citi they were duped by these mortgage broking con-men. Give me a break. They are in trouble because they were dumb enough not to dump more of the junk onto unwitting municipalities and pension funds. They knew the game they were playing. Chuckie Prince said it best, “as long as the music is playing you got to keep dancing”.
John
I have seen the store rooms with boxes of whole loans from mortgage brokers and was amazed at how many people name Jose have landscaping businesses making 200K a year. Fake SS’s and everything. That is who is being kept in their house.
there have been a number of stories about that exact issue:
http://www.examiner.com/x-35821-Immigration-Reform-Examiner%7ey2010m2d7-The-role-illegal-aliens-played-in-the-mortgage-crisis-and-continue-to-play
…The Sub Prime underwriting guidelines had special requirements for, what was called, Foreign Nationals….30% down and full credit package including credit references from their country of origin and a valid Visa. To circumvent this requirement, the applications were marked that the borrower was a US citizen then, regardless if the credit profile did not support such a claim, an underwriter was not allowed to question the application.
This along with use of stolen SS# or use of their American born child’s SS# and lax credit requirements that allowed alternative credit, helped cover the ruse. All required documentation was fraudulent and with the large use of a/k/a’s, information was hard to track.…
“how many people name Jose have landscaping businesses making 200K a year.”
Yet Chase chose to service the loan. Just stop John.
call a bank now and go for a loan mod. see what you get . easier to get into china
than to get a loan mod done with these
deadbeat bankers.
Actually on those Chase/Citi did something where you buy whole loans to securitze. You need $250 million in whole loans to apply for a CUSIP from MBSCC and then secutize it into tranches. On any given days there were multiple issues going on. Can take a few months from when you buy the first whole loan till quants slice and dice it and it gets cusip and retail sales force sells it. Chase stopped dancing sooner than Citi and had a lot less deals in pipeline, Prince went full steam ahead and was still in business a few months after Chase and GS hit the brakes, when the music stopped Citi did not have a chair.
Hyde then use the time on your side, not carrying interest bearing mortgage to family is better than a bank, plus they tend to be a little mor forgiving in times of hardship
Pain,
actually i think it would make more sense to carry the mortgage with the bank. Its a lot more difficult to walk on a mortgage to a family member then to a bank. Much higher long term costs then a hit to credit rating
good point
65.Juice Springsteen HEHEHE says:
February 11, 2010 at 10:29 am
…Chuckie Prince said it best, “as long as the music is playing you got to keep dancing”.
I think a better analogy is dancing with a bear. You don’t stop when you want to, you stop when the bear wants to.
Clot
“That way, the little guy will be up shit creek with no access to advice or help.”
Absolutely.
A corporation, any organization for that matter, is going to act in its own self interest.
Kind of like the realtors’ guild trying to stamp out discount brokers, or not allowing an SEC up the wazoo licensed salesperson/advisor to be a broker without sitting in some schmuck’s office for two years.
These salt of the earth, guy’s guy, teary eyed moments over the ‘little guy’ though are getting tiresome.
I have no sympathy for these ‘little guys’ who find themselves totally upside down because they did a no down payment, 8x income loan.
In fact, I despise them because their reckless actions drove up home values for me and everyone else.
If you bought a house between 2000 and (heaven forbid) 2007 you paid more than you otherwise would have because a bunch of these little jerks bid the market up.
If you were on the sidelines renting, waiting for prices to mormalize, they didn’t because a bunch of these little jerks bid the market up.
Spare me the sympathy card. If they couldn’t run with the big dogs they should have never gotten off the porch, which would have been better for all of us.
#38 Schumpeter,
I’m surprised that it will become illegal. That will make it harder for the man to turn us all into propertyless debt serfs.
hyde [66],
The PITI would be under 3K and taxes are currently 6K.
I must have been misinterpreting what the T in PITI stands for. For my entire adult life.
The banks had no standards and did very dumb, risky things. Nobody can justify this and it reeks of either incompetence or out and out greed by employees trying to get a payday.
Speaking of banks selling REO, my parents tried to buy from chase(in Palm Beach FL) a few weeks ago offered 700k on a home asking 1m, bank countered at 990k. It’s such a joke, the has no kitchen and is all ripped up as the previous owners destroyed it on their way out, best of all the comp is the house next door that sold was 700 sqft bigger, nicer, newer, not ripped up or in a distress situation sold for 1m last year based on this comp’s psf the home should sell for 880k, but in reality it should be less as the home needs lots of work. Parents thought 750k-800k would buy it easily(needs easily 50-75k in work to even bring it up livable snuff, probably 125-150k to make it nice) I told them the banks are for lack of a better word dysfunctional and want to pretend that a ripped out home is still worth 100 cents on the dollar and will pay HOA fees and palm beach property taxes.
Gov. declares a “state of fiscal emergency”
for the State on NJ..
on the verge of a BK.
lets get it on
Ket 6k taxes not bad,what town if you are inclined to disclose.
SL,
What is your take on this?
http://www.nytimes.com/2010/02/07/us/07nurses.html?pagewanted=all
KERMIT, Tex. — It occurred to Anne Mitchell as she was writing the letter that she might lose her job, which is why she chose not to sign it. But it was beyond her conception that she would be indicted and threatened with 10 years in prison for doing what she knew a nurse must: inform state regulators that a doctor at her rural hospital was practicing bad medicine.
When she was fingerprinted and photographed at the jail here last June, it felt as if she had entered a parallel universe, albeit one situated in this barren scrap of West Texas oil patch.
“It was surreal,” said Mrs. Mitchell, 52, the wife of an oil field mechanic and mother of a teenage son. “I said how can this be? You can’t go to prison for doing the right thing.”
But in what may be an unprecedented prosecution, Mrs. Mitchell is scheduled to stand trial in state court on Monday for “misuse of official information,” a third-degree felony in Texas.
[snip]
The case has been infused with the small-town politics of this wind-whipped city of 5,200 in the heart of the Permian Basin, 10 miles from the New Mexico border. The seeming conflicts of interest are as abundant as the cattle grazing among the pump jacks and mesquite.
When the medical board notified Dr. Arafiles of the anonymous complaint, he protested to his friend, the Winkler County sheriff, that he was being harassed. The sheriff, an admiring patient who credits the doctor with saving him after a heart attack, obtained a search warrant to seize the two nurses’ work computers and found the letter.
[snip]
Until they were fired without explanation on June 1, Mrs. Mitchell and Mrs. Galle had worked a combined 47 years at Winkler County Memorial Hospital here, most recently as its compliance and quality improvement officers.
[snip]
It was not long after the public hospital hired Dr. Arafiles in 2008 that the nurses said they began to worry. They sounded internal alarms but felt they were not being heeded by administrators.
Frustrated and fearing for patients, they directed the medical board to six cases “of concern” that were identified by file numbers but not by patient names. The letter also mentioned that Dr. Arafiles was sending e-mail messages to patients about an herbal supplement he sold on the side.
Mrs. Mitchell typed the letter and mailed it with a separate complaint signed by a third nurse, who wrote that she had resigned because of similar concerns about Dr. Arafiles. That nurse was not charged.
[snip]
Dr. Arafiles, 47, who attended medical school in his native Philippines and trained in Baltimore and Buffalo, said his lawyer had advised him not to talk. “I’ve been brutalized and abused,” he said. “I’m the victim in this case, and that is all I can say.”
Several Texas laws would seem to enshrine a nurse’s right, and perhaps duty, to report a physician when he or she believes that patients are at risk. Lawyers on both sides agree that the case will hinge on whether a jury believes that Mrs. Mitchell reported in good faith. In civil whistle-blower cases, the Supreme Court of Texas has held that good faith requires only a reasonable belief that the conduct being reported is illegal.
The hospital administrator, Stan Wiley, said in an interview that Dr. Arafiles had been reprimanded on several occasions for improprieties in writing prescriptions and performing surgery and had agreed to make changes. Mr. Wiley, who said it was difficult to recruit physicians to remote West Texas, said he knew when he hired Dr. Arafiles that he had a restriction on his license stemming from his supervision of a weight-loss clinic.
In a surprise inspection last September, state investigators found several violations by Dr. Arafiles and concluded that the hospital had discriminated against the nurses by firing them for “reporting in good faith.”
But Sheriff Roberts, who has held the post for 18 years, said the state would show that the complaint had been filed in vengeance. “If it’s made to destroy somebody’s reputation or forcing them to leave town,” he said, “then I don’t believe it is good faith.”
Sheriff Roberts called Dr. Arafiles “the most sincerely caring person I have ever met.”
[snip]
Greece is the fault of the Jüdin who control the banks of New York. We are organizing. Our sabotage efforts with the Japanisch manufacturer have proven successful and we shall move forward with our Volkswagen plans. Now that we have control of the Gypsies of Griechenland, we can commence the clean-up of the enemies of the state: Jews, Gypsies, Social Democrats, other opposing politicians, opponents of Nazism, Jehovah’s Witnesses, homosexuals, habitual criminals, and “anti-socials” (e.g. beggars, vagrants, hawkers), and the mentally ill.
Mr hyde says:
February 11, 2010 at 9:48 am
Clot,
are do you have an over/under on how long before Germany starts talking about returning to the Deutsche Mark?
Hyde,
I bet it was the cross-eyed part that pushed him over the edge.
John, your making it even worse now by saying the banks knew it was crap and with knowledge of this created securities AAA rated and sold them to unwitting “clients”, hmm state pension funds. So now not only did they lose their shits, totally fudge their balance sheets, but also were involved in something akin to criminal enterprise!
Hilarious. I found recently an envelope labeled ‘foreign money’ I had when overseas. Kept bills in a drawer rather than convert every time I got on/off a plane.
Pounds, rubles, swissies, czeck kroner, schillings, and dutch guilders – I think I’m still good.
Gonna take a bath on either the DEM or FF unless Euro comes apart. If I recall one of the two – probably the Germans – said they would redeem them indefinitely, the others put a time limit.
Burn baby, burn.
Funny thing (not), this cash in my drawer for five years was probably the best long term buy and hold investment in that period. Think the swissie went from like 60 cents to parity with the dollar.
Boy, this Christie sure sounds a lot like Corzine did when he was a greenhorn. Shouldn’t be long before he disappoints the tea baggers.
http://www.nj.com/news/index.ssf/2010/02/chris_christie_declares_state.html
My take on Christie is that you will see less ‘services’ and perhaps a reduction of taxes….by like $30 a person.
Mike,
you have mail
Left I have plenty of chinese RMB from my last two trips
chi no worries the germans have no national identity anymore as any outpouring of nationalism is strictly forbidden. they felt guilty cheering when they were a finalist in the world cup a few years back
my take on christie:
He’s a politician. I’ll believe it when i see it.
Stu,
Tea partiers, not tea baggers.
“tea bagger” has some obscene meaning … something to do with a guy’s .. cough, cough …[fill in the blank]
Zillow Sees Early Signs of Double Dip in Home Values
In one in five, or 29 of the 143 markets tracked by Zillow, home values have flattened or have begun to decrease again after showing at least five consecutive monthly increases during 2009 – early signs of what could become a ‘double dip.’
Home values in an additional 29 markets, including the Los Angeles and New York MSAs, increased on a month-over-month basis each month throughout the fourth quarter. However, the rate of increase slowed from November to December in 21 of those markets, and several appear likely to experience several months of sustained decline in early 2010.
“The recent stabilization owed a lot to policy support in the form of tax credits, lower interest rates and increased Federal Housing Administration lending. The remaining correction in home values we’ll see in the first half of this year is a function of market fundamentals, such as the increasing flow of foreclosures, high levels of inventory in the market and a probable decrease in demand as the impact of the tax credit wanes and mortgage rates rise. While the next few months are likely to bring further home value declines in most markets, we do expect to see a national bottom in home prices by the middle of this year. Thereafter, home values are likely to bounce along the bottom with real appreciation remaining negligible for some time.”
i guess we have some problems in Trenton.
the Gov. has now discovered he has a “welfare
state” on his hands.
wonder what the Mayor’s of passaic,paterson,camden,etc have to say?
“more aid” we have to take care of these
deadbeats.
LOW MORTGAGE RATES AND FIRST TIME HOME BUYER TAX CREDIT STABILIZING HOME PRICES?
With mortgage rates still being low and the first time home buyer tax credit available why aren’t home prices still going up?
One way to answer this question is psychology. At the end of 2009 many future home owners thought they would have to close on their new home by November 30th, 2009 or they would lose out on the first time home buyer tax credit. President Obama and his staff extended this tax credit and now these home buyers are sitting back and waiting as the extension is until April 30th, 2010. These buyers know they have plenty of time.
It will be very interesting to see what happens in the housing market during the months or March and April when the tax credit comes to a conclusion. A better question might be “will the first time home buyer tax credit be extended again?” If there is another extension we might see that home prices actually decline because home buyers are being enabled. Mortgage rates are likely to remain low until at least the spring so it looks as if home prices might have hit a near term high and could be headed lower.
freedy (114)-
Er, not to be too obtrusive…but, you’re a deadbeat.
Don’t get mad at me. I’m about to join you.
scribe 112 lets just call them tea baggers more fun that way. Not that there is anything wrong with that.
Clot 116 that should be an interesting read. I’m sure you can play it out well,good luck
jcer says:
Nope they were AAA, remember they were insured by AMBAC and MBIA or had a GSE backing them.
I owned Mortgage Backs, good yield on those babies but I stopped owning them in 2002. 100% of institutional investors buying it knew what they were doing. in 2003 rates were at record lows and they needed yield. But for everyone who got out on time there was someone buying the hot potato.
Smith Barney sold Ford bonds at par in 2000, but in 2008 they paniced and told investors to sell at 25 cents and now bonds are back to par. Lifes a crap shoot sometimes.
February 11, 2010 at 11:56 am
John, your making it even worse now by saying the banks knew it was crap and with knowledge of this created securities AAA rated and sold them to unwitting “clients”, hmm state pension funds. So now not only did they lose their shits, totally fudge their balance sheets, but also were involved in something akin to criminal enterprise!
moose (50)-
Obviously, you only read your own posts here. Since about the first day I started posting here, I’ve advocated for Realtors to be held to the same standards as investment advisors.
Too bad TPTB, the RE lobby and banksters don’t want a smaller, leaner base of RE agents who have the skills to go at them head-on. Easier to promulgate and support an army of zombies, housewives, short-timers and deadbeats.
hyde (54)-
Perhaps a charismatic leader will help the German nation through this decision.
“Perhaps they will choose to go down with the ship, but I think at some point the German people might start to make their displeasure known to the politicians”
hyde (56)-
The banks pay the taxes. One of the weird things about this whole bust is that property tax collections are up in some of the worst-hit areas.
Having to recapitalize escrows on property taken into REO is one of the most debilitating problems for banks that are foreclosing en masse.
New Economic Report of the President blames Bush even more
Chapter 2 examines the economy that President Obama inherited and the extensive policy actions taken in the areas of financial rescue, monetary policy, housing policy, and fiscal policy. It details the impact of the actions and the challenges that remain. It also discusses future jobs initiatives.
RE Christies planned cuts
Along with eliminating programs “that sounded good in theory but failed in practice” across state departments, Christie is cutting $475 million in aid to school districts, $62 million in aid to colleges and $12 million to hospital charity care.
I dont know what % 12 million is of the total that hospitals receive in charity care aid, but we can expect to start seeing ER’s close in areas that provide large amounts of charity care.
That whole idea of dont worry about healthcare, let illegals and the poor use ER’s, is going to bite all of us in the rear.
A quick google shows that as of last april, Nj hospitals put out 1.8 billion in charity aid and received 600 million in reimbursement from the state.
SL,
What say you about the situation???
yikes (60)-
Anyone who truly believes that Wells Fargo is not a dead, zombiefied, festering piece of shit doesn’t know banking. They have been functionally insolvent from the day the Wachovia deal closed.
Pick a Pay, anyone?
New dangers for the world economy
When the crisis started, governments helped save the world economy. Now they are the problem.
LAST year it was banks; this year it is countries. The economic crisis, which seemed to have eased off in the latter part of 2009, is once again in full swing as the threat of sovereign default looms.
Europe’s troubles have given investors good reason to worry; but they are not the only cause for concern. Policy changes around the world have also spooked investors. China’s government began to rein in its lending binge last month, worried about accelerating inflation and asset bubbles. India’s central bank has raised reserve requirements and Brazil’s fiscal stimulus is being phased out (see article). The rich world’s big central banks are gradually unwinding the emergency liquidity facilities they introduced at the height of the crisis. “Quantitative easing”, the process of printing money to buy longer-dated securities, is coming to an end—or at least being put on hold.
All this has knocked asset prices. Stockmarkets are down sharply, commodity prices have tumbled and volatility is up. The MSCI World Index of global share prices has fallen by almost 10% from its peak on January 14th. Optimism about a “V”-shaped recovery is being replaced with pessimism about a double-dip recession, as fears grow that policymakers will be forced, or will mistakenly choose, to remove monetary and fiscal props too soon.
http://opinionator.blogs.nytimes.com/2010/02/10/slumburbia/?hp
Article title “Slumburbia”
Subject – What will fill the empty homes and lots of our suburbs in the future
Quotezilla! – Others saw it as the residential embodiment of the Edward Abbey line that “growth for the sake of growth is the ideology of the cancer cell.”
Odds of this article appearing 2 years ago – don’t know – can’t divide by zero.
3b (61)-
I like that. I guess that makes Greece the world’s first subprime nation.
“I’m about to join you.”
clot, just dont stiff the cable company and pse&g.
Shore (71)-
I was gonna suggest we have a waterboarding GTG. Guess that’s a little beyond the pale, though.
Tea baggers was not a mistake.
clot,130
sounds like fun. free beer to whoever lasts the longest.
It will be good practice for when they start rounding up those of us on the watch list.
Christie’s cut of 475 million dollars to the schools will result in one of two things occurring. Either your property taxes will increase to cover the shortfall from Trenton or the state will take a bailout from the feds which means you’ll pay double later for what you would have been better off paying today.
Until Christie mandates cuts on the per pupil cost to educate them, the educators’ union gravy train will just keep on rolling down ‘dem’ tracks.
Stu,
As others have said, a sudden increase in property taxes may be the pain that is needed to get the population to act,
safe (96)-
Correct…but what they want- even more than turning us into debt serfs- is to get their hands on that collateral as fast and as cheaply as possible. That way, they can release that collateral into the market in a way that allows them to play whatever fraudulent game they deem necessary to prop up the inventory’s fantasy valuations.
They figure that the process of ditching the REO inventory will go hand-in-hand with yet another bubble-fueled Ponzi that will boost the ranks of the debt serfs yet again.
Classic pump-and-dump…with an absolutely worthless investment at its core.
Remember, in less than 24 months, the people surrendering housing collateral will probably be in good enough shape to go into debt for a house all over again.
Please do not bust on me if you find my claims to be illogical. They are illogical; yet, this is the kind of crap that goes through bankers’ minds.
Christie’s cut of 475 million dollars to the school aid will result in one of two things occurring. Either your property taxes will increase to cover the shortfall from Trenton or the state will take a bailout from the feds which means you’ll pay double later for what you would have been better off paying today.
Until Christie mandates cuts on the per pupil cost to educate them, the educators’ union gravy train will just keep on rolling down ‘dem’ tracks.
Oh man are the Montclair operating budget deliberations going to be a riot this year. Especially after Fried allows the schools to up their budgets by 4% again, even after the loss of aid from Trenton.
Better get one of those wallets with a chain on them fellow Montclairions. Fried’s about to pick pocket you.
The first thing one must do to understand the gubmint and banksters is suspend logical thinking.
jcer (98)-
Was it an all-cash offer? If not, it’s a no-go.
An interesting take on the BO WH. As I said weeks ago, Rahm has to go if BO wants to move forward and achieve anything of note in the time between now and the Augest recess, after which, he is all but done legislatively. I like the Gerghan statement at the end:
http://www.ft.com/cms/s/0/b6b4700a-10fb-11df-9a9e-00144feab49a.html?nclick_check=1
It seems we have an impending death in the family today. It is very sad, but she is an old gal who has had an eventful life. I will be sad to never see her again, and even sadder for Little Shore who will not grow to adulthod with which to share moments.
Remember folks, we are all terminal, some just on a faster track than others. Go outside today and draw in a lungfull of air and relish being alive for another day.
Anyway, off to sit by the phone and reflect.
John, stick to onions and vehicles and reciting stories you read in penthouse, buddy.
#114 Freedy
You’re part of the welfare state. If there was such a thing as personal accountability, you would be sitting in a debtor prison right now.
nw 144 freedy was chastised & defended by some for like 2 days we know how you feel about it.Debtors prison that would make the banks happy.
jcer (104)-
It’s securities fraud. And actually, it’s a pretty cut-and-dried case of it.
Too bad banks own every branch of gubmint.
Look on the bright side: securities fraud is now tacitly legal.
Essex workers file grievance against county for not giving snow day during blizzard conditions
ESSEX — The union representing Essex County workers filed a grievance against county officials because they did not shut down offices and give employees a day off because of the treacherous snow storm, a union official said.
“The conditions are so bad that both employees and the public can’t get to work,” said David Weiner, president of the CWA Local 1081, the union representing county workers. “Why couldn’t the county government be shut down. So little could have been gotten done anyway. It puts our members and public at risk.”
Weiner also noted a holiday is required in a contract between the union and the county when Gov. Chris Christie decides to close state offices.
Joseph DiVincenzo Jr., county executive, dismissed Weiner’s concerns and said there is a long-standing policy in place of not shutting offices.
“It’s going to cost close to a $1 million for cleanup,” said DiVincenzo about snow removal. If they declared a holiday for people, the county would have to pay overtime to essential employees such as the law enforcement on top of snow removal costs.
“It’s too costly,” he said. “More than ever before, county government can no longer afford it.”
When it snows heavily, DiVincenzo said his 3,500 employees have an option to take a vacation or sick day. He did not know how many had taken off today, he said.
http://www.nj.com/news/index.ssf/2010/02/essex_workers_file_grievance_a.html
John (119)-
Hot potato = steaming turd
BTW, buying something mismarked by collusive ratings agencies with the endgame in mind of dumping it on a greater fool is probably something not even Robert Mugabe would call a legitimate business.
Shore 142 very sorry to hear have an Aunt who is 85 good health, sharp as a tac. We are very close,she is a great person & loved by all.Will be a real devastating lose when the time comes.
veto (129)-
What? Don’t stiff Crapcast?
Homey don’t play dat.
Mike
I hear you but I’m not going to give Freedy the satisfaction of making an otherwise worthwhile site to read a dumping ground for his screed.
I’m pretty sure he thinks that by repeatedly saying the same thing over-and-over, he can eventually convince himself and others that he’s in the right.
He’s no different than the banks, welfare recipients, public workers or illegals that he bemoans on a daily basis.
Stu: please use a different word…n’kay?
Stu aka The Sausage Party says:
February 11, 2010 at 11:56 am
Boy, this Christie sure sounds a lot like Corzine did when he was a greenhorn. Shouldn’t be long before he disappoints the tea baggers.
http://www.urbandictionary.com/define.php?term=teabagger
And he’s a troll as well who deserves to be muzzled.
wtf nw….”public workers”….so these folks are villains? Somehow a teacher or a cop or firefighter are suddenly thieves? Listen, pretty soon all you will have here are back office customer service reps…the only true Americans.
check out this shitzes!
6. teabagger 1381 up, 1210 down love it hate it
A misinformed, right-wing corporate media consumer who often fails to understand that BOTH major parties represent a corrupt plutocracy that steals from the middle class by taxing labor and profiting from corporate tax subsidies.
A teabagger also often fails to acknowledge that George W. Bush and his neo-conservative minions perpetrated one of the boldest and most egregious executive power grabs in the history of the United States. Furthermore, teabaggers mistakenly continue to blame a newly elected President Obama for all that ails the United States of America, based on a grossly flawed perception of reality (including latent racial prejudice) and despite the fact the U.S. economy collapsed on the previous administration’s watch.
Teabaggers are also known to base their misguided, right-wing-media-inspired beliefs about President Obama on stupid conspiracy theories about totalitarian takeovers, FEMA camps, etc., despite the fact these very same theories have been circulating around on the Internet for years, and were originally ascribed to neo-conservative cabalists at a time when Barack Obama had not even entered national politics. Teabaggers also are known to be particularly paranoid, xenophobic and intolerant, especially with regard to immigrants and anyone who isn’t white.
Additionally, teabaggers generally echo stupid myths about entitlement spending (it actually only accounts for about 1% of federal budget spending), have no idea that most poor people in America are not lazy, actually do work and don’t want to be on welfare, and have no idea what socialism actually means or that socialist reform in this country is actually what allowed a middle class to flourish and ultimately make the U.S. one of the most prosperous nations in human history.
Furthermore, teabaggers incorrectly equate socialism with Stalinism, think a system that rewards greed (capitalism) is the divine preference (despite Gospel evidence to the contrary), and are shameless champions of a misguided belief in American exceptionalism. Teabaggers also fail to recognize the inherently unpatriotic nature of their failed every-man-for-himself ideology that ultimately vilifies anyone who supports public policy aimed at reaching out to fellow Americans in need. They celebrate an exploitative corporatocracy (holy creator of jobs, blah blah blah) while denigrating the little guy for being “weak.”
Interestingly, teabaggers uphold an immoral, morbidly obese, twice divorced, draft-dodging, college dropout and known drug addict as their de facto leader, and are even known to advocate burning books. Of course, teabaggers fail to recognize the blatant hypocrisy within the GOP and tend to oversimplify all political debate and social issues, much like their pseudo-intellectual, fat-ass leader.
Finally, incredibly, teabaggers fail to recognize the hysterical double entendre associated with their proudly adopted teabag moniker.
Every village has its idiots, of course, but it’s sad when citizens of any nation allow themselves to be whipped into a frenzy en masse by a state-run propaganda machine masquerading as a legitimate, fair, balanced and independent news organization. Teabaggers are right to believe the future of the U.S.A. is in jeopardy, but sadly they have not yet correctly identified the real enemy. Perhaps when teabaggers finally grow up and mature into thinking adults, they will see the right-leaning power establishment for the oppressive and cunning beast that it is.
Teabagger: We don’t care that George Bush tripled the deficit and lied us into a war. The new administration only cut taxes for 90% of the population… fascists. Let’s go throw some Lipton tea bags into a fountain!
Adults make their own decisions. Who to work for. How to pay (or not pay) their bills. For everyone who feels morally superior — goody for you — somebody is also probably banging the crap out of your wife while you sit atop your pedestal.
Christies priorities are quite interesting:
Cuts to the Public Advocate, NJ Transit and Education.
Thats a pretty solid attack on the poor and middle class because as we all know it is the poor and middle class who are living high in the hog!
Essex 156 Holding back again buddy, rock on just say n. lol
nw 151 If that’s your position then don’t feed, we just breeze by those anyway.
Dang! Oops. OK once again. Too much?
Bluto: Over? Did you say “OVER”? Nothing is over until we decide it is! Was it over when the German’s bombed Pearl Harbor? Hell No!
Otter: German’s?
Boon: forget it, he’s on a roll
Bluto=banks
otter=???
boon=timmy
little help
#159 Essex,
Keep those words of wisdom flowing. Someone’s got to cover for Gary during the day.
Oh PLG…I’m pretty liberal myself, but I don’t think Christie is targeting any class. When your property taxes go up, I’m pretty certain that those who own a larger home will be paying a much larger share then what they pay in state income tax.
155 chifi
You must have got that from urban dictionary.
If so, it’s probably the most entertaining entry I’ve read, or at least the one with the most effort undertaken.
147: What, use a sick day? Preposterous, everyone know those are only for cashing out, unused, upon retirement.
John,
I’ve never sat in such a room. However, I’m willing to bet that there was little or no concern re what was in those files as long as the FAT FEES were coming in to slice and dice them;)
Cooper,
How old are you?
You can’t be over 35.
Joining you all from the Blackberry today. Power has just been restored after 17 hrs. Cable/Net will not be back until tomorrow. House was 52 this morning.
Food in the freezer was soft. Someone told me it would keep for 24 hrs. Any idea on what should be tossed?
stu only a little over but i never act like it
Animal House Coop.
101, Hyde,
One nurse worries/complains – meh, who knows…. two nurses then three and four nurses…. odds are good he is bad.
Experienced nurses are good at sniffing out bad docs. Most of those nurses with experience have trained and practiced at places where good, prudent medicine is practiced.
They easily spot the bad ones. Now, mind you — anyone can have an “off day” (no I’m not kidding….) but the safety net is wide with checks and warnings to prevent bad things happening — from techs, nurses, pharmacists and even other docs/consultants.
At first blush reading this… I am inclined to more likely trust the nurses — they just know — I have been challenged plenty of times… and with experience and good outcomes, the nurses trust me.
An example. For CHF (congestive heart failure) where I trained, we routinely ‘bolused’ — gave brief, high doses — with Nitroglycerin through the IV.
I had a nurse balk (he’d never seen this done) and refuse…. I walked him through it – he saw that the patient got better and was on just nasal cannula oxygen rather than with an endotracheal tube on a ventilator…
The problem sometimes is docs that practice “old” medicine and don’t retrain, relearn new practices and have bad outcomes.
For a layman, it’s hard to know good from bad medicine. A lot of folks *think* they know, but they don’t.
Example- I had a patient with belly pain. In older folks with high blood pressure, this can represent an abdominal aortic aneurysm (deadly.)
First thing we do is check for pulses in the feet (if the aorta is OK, blood gets to the feet… if not… look out!)
The wife was yelling at me, “Why!! are you looking and pressing on his !!! feet!!! He has abdominal pain!!!!”
I had to teach her why. It’s the shitty part of my job. The family member then looks/feels stupid and I waste time.
I could go on and on and on about this…
sl
D2B:
Why didn’t you just put the food outside in the snow? Power outages in the winter rock compared to them during the summer heat. You can always dress up in layers. Unfortunately, you can not take off your birthday suit.
Here’s your clue:
Sheriff Roberts called Dr. Arafiles “the most sincerely caring person I have ever met.”
What’s common about most of the best docs?
They usually have shitty bedside manner. They will always have work as they are technically and intellectually skilled.
They don’t give a fu*ck what you think of them… and they have little tolerance for patients that are simply looking to be pandered to.
If you are looking to have your ass kissed, see a schmoozer who may or may not maim/kill you…
If you are looking to have a problem fixed see a technician.
It’s the rare doc that has both qualities.
sl
cooper says:
February 11, 2010 at 2:05 pm
Bluto=banks
otter=???
boon=timmy
little help
otter=
http://4.bp.blogspot.com/_oTwEGiup_Wo/SkrxGS4-aoI/AAAAAAAAE3o/HRbfAGQeEHM/s400/Kneale_Dennis_.jpg
Sorry, 101 was for Shore..
and I’m sorry to hear…
having seen so much of it in my life, I wish you and your family peace.
sl
Stu,
If property taxes are your concern, even the property tax is a highly regressive tax.
The reason for this is that high-income households tend to have a lower proportion of their assets subjected to property taxes. While renters do not
directly pay property taxes, most economists conclude that the costs of property taxes are largely passed on to renters in the form of higher rents.
In effect, Chrisite is allowing the Millionare’s tax to expire so that he can cut services to the poor and middle class and any increase in taxes will be born by those same poor and middle class people.
Speaking of snow days and public employees, did anyone catch Bloomberg’s press conference where a reporter asked about the rate of absenteeism for city employees? Bloomberg had no idea, but the guy from the Sanitation Department couldn’t wait to chime in. He proudly declared that only 20 of over 6,000 sanitation workers missed work yesterday. He then completely stuck his foot in his mouth as he continued to note that the department couldn’t come close to that attendance rate on nice day when they are actually picking up the garbage. Bloomberg just stared him before leaving the podium.
Oh PLG. I suppose the only thing that will pass muster with you is a tax on the rich. Am I right?
Stu,
No, it depends.
I would suppport more broad based taxes that make sense, like the gas tax. It would be regressive, but it would discourage driving and put the cost of pollution on the creators of the pollution. Increasing the cost of using NJ transit, as Christie now does, is doing exactly the OPPOSITE of that.
If he had any balls he would raise the gas tax and increase funds to NJ transit. Instead he cuts funding to NJ transit.
Spec Houses Rise as Builders Bet On Buyers Before Tax Credit Ends
Home builders are ramping up speculative construction to attract last-minute home buyers who want to tap a soon-to-expire tax credit.
The strategy is risky. If the buyers don’t materialize, builders could be saddled with unsold homes that will require heavy discounting to sell, hurting profits and slowing the housing recovery. New homes may also continue to lose market share to lower-priced foreclosed houses. Indeed, some economists expect an avalanche of foreclosures in the months ahead as lenders release homes they have been keeping off the market.
But that’s a chance the industry is willing to take. “We know that we’re going to have more people out now,” says Lance Wright, co-owner of CastleRock Communities in Houston, Texas. “Buying is an emotional decision. Seeing the actual product that you’re moving into will certainly make it easier.”
re: Citi and MBS.
Cumon now John the entire private MBS securitization industry blew up into smithereeens, from something like 775 Billion a year to less than 10 Billion a year.
The root of the whole mess was demand for AAA stamped boxes of shit. It may have been guaranteed shit but it was still shit in a box and still stunk.
The use of CDS allowed ratings agencies to generate AAA ratings for the senior tranches of CDOs which in turn created unwarranted demand to originate new mortgages to securitize.
Unless and until (God forbid) someone is willing to step in and be the new AIG and provide cheap insurance on private MBS, the securitization market will not revive, it is now deader than any zombie around. Without the Gov and Fed supports for mortgages housing would be in a full on free fall.
Anyone who thinks housing is going up from here on in is full of hopium and needs to go to detox.
Fed announced is pulling out of MBS in March and the folks down in DC who make the rules of the game are literally frozen with fear. Who is left to guarantee the markets besides the taxpayer?
Bueller?
plg says:
February 11, 2010 at 3:05 pm
Stu,
If he had any balls he would raise the gas tax and increase funds to NJ transit. Instead he cuts funding to NJ transit.
plg: I disagree with this statement. Christie potentially is putting his life in danger. I’m not kidding, and THAT is balls…..
PLG, don’t tax me tax the guy behind the tree. let me guess, you have a short commute or use mass transit.
“When a well-packaged web of lies has been sold gradually to the masses over generations, the truth will seem utterly preposterous and its speaker a raving lunatic.”
Cool videos.
Share the REAL Story®
njescapee,
I do not commute by NJ transit. I have a 45 min drive to work.
I have done the math and NJ transit would be MORE expensive for me, which should not be the case.
Chicago,
How is Christie putting his life in danger? That is a bit dramatic isn’t it? I mean cutting NJ transit is easy. None of his voters out in Mendham or Ocean County use NJ transit. There is nothing politically brave about cutting essential services to the poor.
chifi
otter=dennis kneal
good call
Burn the m-f’er down. Who gives a shit at this point about NJ Transit or property taxes or any of this other idiocy? All of it- absolutely all of it- is a corrupt-to-the-core sham.
Prepare for Depression. Prepare for civil unrest. Prepare for civil war. Let the dopes like plg keep wailing and crying for more and more to be taken from the productive, to feed the beast of the unproductive. Guys like him will be the first casualties when the hosts throw off the parasites.
Finally some real cuts are coming??
Chris Christie declares fiscal ‘state of emergency,’ paving way for N.J. spending cuts
http://www.nj.com/news/index.ssf/2010/02/chris_christie_declares_state.html
Where’s the recession??? Buy a home now, before prices go way up.
NJ existing home sales rise on lower prices, rates
The National Association of Realtors said today that resales in New Jersey stabilized at the end of 2009 — rising 2.7 percent to about 115,400. Meanwhile, the expanded and extended first-time home buyers tax credit had little effect here because of the relatively high cost of homes
http://www.nj.com/business/index.ssf/2010/02/nj_existing_home_sales_rise_on.html
You just can’t wait for it all to fall apart huh? I know it must be scary and intense for you, but this is not the first and is not the last economic crises in the world. Just try to relax. During times of fear and panic there are many opportunities. I can’t wait to take advantage of your fear and panic.
Hosts and parasites. Dude, have you been evaluated recently?
Christie puts his life in danger every time he uses the stairs.
does anyone feel his fiscal restraints
will hurt home values,or will the bottom
be in?
Hoboken market on fire. 11 UC this week.
http://hudson.fnismls.com/publink/default.aspx?GUID=bc1d2301-99b1-40b2-86b2-cdd00a7cb1e7&Report=Yes
plg (191)-
Evidently, you can’t read. If you could, you’d understand that I’m not afraid, and I’m certainly not in panic. You have to give a rat’s ass to be subject to either emotion, and that’s something I got past a long time ago.
BTW, if you can find a better game for exploiting the current economic rabbit-hole than helping people short sell their houses- while zonking the banks for all they’re worth- please share them here.
Heres a link to the Verichip advertisement aka “The mark of the beast”
Better find religion folks. I suspect the Swine flu morons will be the first to line up for this.
http://www.youtube.com/watch?v=gWxPQ6RUgiI
plg (191)-
And, as a matter of fact, I can’t wait for it to really hit the fan. When it goes completely Mad Max, my investment in munitions will probably pay off in spades.
plg will be the first in line for his Verichip.
People who have these will probably be the first thrown into concentration camps.
Juice Springsteen, no one gave a rats arse what was in those boxes, I even saw lots of subprime trailer home mortgages in tornado zones in that box!!!!
But who cares. When you are kicking the can down the road it creates trading opportunities.
BTW Margin is around 50% usually, the idiots who bought houses were way more leveraged than that.
Plus when yields on safe things like CDs, and T-bills fall to near zero, smart people start to pay off mortgages, car loans and credit card bills. Once they are loan free and cash starts piling up and rates are still low they buy this crap. Yield junkies are funky monkeys
Chifi, dumped Ford Bonds today!!!I need something new that pays 30% monthly interest, what do you got?
02/06/2009 Bought, $0.17 Most Recent Value $0.77 – 350.11% Long Term Gain
plg says:
February 11, 2010 at 3:30 pm
Chicago,
How is Christie putting his life in danger? That is a bit dramatic isn’t it? I mean cutting NJ transit is easy. None of his voters out in Mendham or Ocean County use NJ transit. There is nothing politically brave about cutting essential services to the poor.
plg: It is shrewd. You go to the places of least resistance first, then you back the true parasites into a corner.
Question: To the extent that you advocate for the moral requirement to authorize government to redistribute wealth in some arbitrary manner, please let us know what steps you personally have taken without coercion to volunteer your time, abilities, or money to any charitable causes in NJ? This request falls under the broad category of “keepin’ it real”…..
Shumpeter,
In your host and parasite worldview, which are you?
John says:
February 11, 2010 at 4:22 pm
Chifi, dumped Ford Bonds today!!!I need something new that pays 30% monthly interest, what do you got?
02/06/2009 Bought, $0.17 Most Recent Value $0.77 – 350.11% Long Term Gain
JJ: The crossing guard in Red Bank is actually a pimp for the RBC girls. He monetized the revenue stream and also the money he bilks from the parking meters and the loansharking. I think the spot rate is roughly 30-35% interest, although the coupon fluctuates based on cash collections….
Mutualistic parasitic relationships keep us all alive. Spread the love. Spread the virus.
plg (201)-
Host, definitely. However, I am slowly ridding myself of parasites.
The ones I can’t rid myself of in a conventional manner, I can bust a cap on them when TSHTF. That’s why I can’t wait for it to happen.
Al, if the beast wanted us to be chipped, do you really think he would make it optional?
chi (202)-
How do I get a piece of that action? ;)
Does Christie have the authority under the state of emergency to mandate pay cuts and furlough days? If he did that, the public employee unions would strike, right? Could he then give them 48 hrs to go back to work or be fired, as Reagan did with PATCO, the air traffic controllers union?
Chicago,
I view every aspect of my existence as intertwined with the greater good. Every single thing I do with my money, time and decisions I ask how it affects the greater good. I don’t view some donation to a charity as absolving me of responsibility towards the greater good. It is not a list of actions, it is a lifestyle. So I won’t list my charitable contributions for you, I will just tell you that I have a worldview that sees my own well-being intimately intertwined with the well-being of others and the world around me.
veto (205)-
Like everything else that’s bad for you, the optional chip program is somewhat akin to a “loading dose”.
Once that loading dose is absorbed by society, the initial resistors will submit like sheep.
“I have a worldview that sees my own well-being intimately intertwined with the well-being of others and the world around me.”
plg, are you jesus? and if so, are you for or against the vchip?
Shumpeter,
What makes you a host? What is that you do that makes you a host and others parasites?
205,
In government. Everything that is first voluntary becomes mandatory. All that is needed is the right crisis.
Go back and check the legislation in August regarding the UN pandemic level 6 swine flu scare. Specifically, Massachusetts, NY, and PA.
Im not sure why I even warn you idiots that want to argue with me. Perhaps, there are some folks in here that dont believe in Unicorns and can think for themselves.
plg (208)-
Pardon me while I step outside and vomit.
“I view every aspect of my existence as intertwined with the greater good. Every single thing I do with my money, time and decisions I ask how it affects the greater good.”
plg, are you Stuart Smalley?
I take NJ Transit daily and I see the waste daily, empty buses are running every 5 minutes and no one has the guts to stop them. Total waste of taxpayers money. Go Christie.
plg (211)-
Easy. I work, employ people and am productive. That makes me a host for virtually all of society’s parasites, who want to either rob me blind or forcibly redistribute my wealth in order to render me weak.
Belmar Johnny,
Nobody is questioning your ability to trade bonds. I was only questioning your categorizing the people running Citi as anything other than willful participants in a government sanctioned Ponzi scheme.
re #208 – PLG are you a member of PETA.
#208 Oh my God! What kind of drugs have been slipped into your food? The greater good??? You sound like one of those weasels in Atlas Shrugged! That’s how we got into this f-ing mess!!! How about the concept of enlightened self-interest. Gotta step outside with Schump now.
I see every aspect of my life intertwined with somehow getting my wife to let me do naughty things to here. That’s just the way it is. Has been for years. Everything else is gravy.
Shumpeter,
So your employees are parasites? I am just trying to understand your worldview.
Al, Please dont refer to me or this board as ‘idiots’.
I’ve been hearing warning about vchips and bar codes since the early 90s.
Its only people like you who are freaking out about them now that you first peed in your while watching conspiracy theories on youtube.
If this is an eternal battle between the beast and G*d, you think your inside info that you find on the internet is going to keep you safe?
I stopped doing charitable stuff a few weeks ago. I woke up and realized that most charity simply either:
1. reinforces the parasitic state into which the recipient has fallen; or,
2. goes to people who lap this stuff up and laugh in your face for being enough of a dope to willingly give stuff away. After a short time, most of these losers actually come to expect their handouts and a few of them will tell you straight up that they see you as weak and not worthy of respect. Of course, a pimp, dealer or g-banger commands total respect.
Fcuk charity.
plg (220)-
When my agents become parasites, I fire them.
Getting ready to fire one pretty soon who I kept from living in their car about a year ago. Now this hookworm owes me over 10K.
Outofstater,
Do you know what enlightened self interest is? You used the term, but I don’t think you know what it means.
Enlightened self interest is the philosphy that persons who act to further the interests of others (or the interests of the group or groups to which they belong), ultimately serve their own self-interest. That is precisely what I am saying.
Enlightened self-interest was a concept that Alexis de Tocqueville discussed. The notion he held was that Americans voluntarily join together in associations to further the interests of the group and, thereby, to serve their own interests.
Im not sure of your point.
PLG – Answer the question are you a PETA member or not?
Shumpeter,
So the handicap are just parasites because they can’t be productive. What should we do with them?
#208 plg
I’m throwing up over here. Couldn’t make it out the door. At least I didn’t splatter the keyboard. (John, it’s not what you think)
Does plg live in Montclair or Maplewood?
Were you in Bar Harbor about 10 years ago? I was sitting at a table next to some poser who was saying he didn’t consider himself an American, he considered himself a citizen of the world. I laughed so hard I spilled my beer.
when the beast puts chips in our arms, will the mass chaos that ensues finally bring home prices down in line with income?
I’d say American society has broken down a great deal since de Tocqueville’s time.
These days, joining with any such group as you describe is pretty much the equivalent of chugging Jim Jones-flavored Kool Aid.
Veto,
When people like you promote the healthcare bill that includes legislation for the Verichip that is what freaks me out.
“If this is an eternal battle between the beast and G*d, you think your inside info that you find on the internet is going to keep you safe?”
Thats exactly why I said better find religion.
#224 Perhaps you are right. The term I should have used is self-interest. Or perhaps individual self-interest.
plg (226)-
Not falling for your straw man. I know a lot of handicapped people who are incredibly productive. Physical disability often propels people to do incredible things.
Al, why are you always ranting on and on about researching UN charters and this proposition and blah blah blah.
Why cant you just summarize it for us and spit it out?
Is it because it makes no sense unless its buried in a 400+ page document which talks in cicles about how everyone is out to get us?
Anything in the US that is done in a group either has been- or will be- corrupted.
JC Deputy Mayor Leona Beldini only convicted on 2 of 6 counts.
NEWARK — A Jersey City deputy mayor was convicted today of two of six counts in the first corruption trial to stem from last summer’s massive FBI sting.
Leona Beldini was found guilty of two counts involving illegal campaign contributions. The federal jury in Newark reached its verdict this afternoon after a snow storm delayed deliberations.
Beldini was acquitted on four of six counts, including one conspiracy count, two attempted extortion charges and one bribery count in which she was charged with agreeing to be the exclusive real estate broker for Solomon Dwek’s condo project in exchange for getting him zoning approvals in the city.
Beldini was convicted of two bribery accounts for accepting $20,000 in a illegal campaign contributions on behalf of Jersey City Mayor Jerramiah Healy.
Beldini showed no emotion as the verdict was read. Sentencing has been scheduled for June1
http://www.nj.com/news/index.ssf/2010/02/beldini_nj_corruption_trial_dw_2.html
veto (233)-
I think the only thing Al is missing is that those who are out to get us are simply sitting back and letting us wipe ourselves out.
Shumpeter,
Do you know what a straw man is? You used the term, but I don’t think you know what it means.
Yes, but take a parapalegic who is completely dependent on others for survival. Its just one example. Perhaps the person is just mentally challenged in a way that they cannot provide for themselves.
What should we do with this sort of parasite?
Where’s the recession?
“NYC’s skinniest house sells for 2.1 million”
http://news.yahoo.com/s/ap/us_odd_skinny_house
chifi get me in on the vig, back in the day when Amex first opened ATM machines there was an outdoor ATM machine in the seaport. One of the first, there was a loanshark who hung out at a seedy bar between pace and the seaport. Wore a suit and a trenchcoat. He would get multiple people to take out Amex cards and give them to him. People would borrow from him, he would write it up at bar then he would take your card, take out the funds and while it was on loan you basically show up each month with your statemen and he gives you double or triple the finance charge each month. I did not do it but a few friends did and I always got lots of free drinks when they got their cut. I love old wall street.
Guy used to take a metal bar from under trench coat and wack you in knee or elbow in the crowded subway, lirr or path if you did not pay. Next day he call you and say “I know where you live I know your commute, next time you go down it will be a knife or gun”. He never used a knife or a gun. Don’t know if he had one. He only loaned out a few grand to each person and people found the money real quick.
Typical sociopath.
“Beldini showed no emotion as the verdict was read.”
“When people like you promote the healthcare bill”
Al, are all your nutso rantings really about politics?
is the beast rep or dem?
In other words, you do nothing, give nothing, and do not have the conscience to literally lie outright here about it. Nice try, unless you are also RE101 and the other related poster…then KUDOS to you! :)
plg says:
February 11, 2010 at 4:31 pm
Chicago, It is not a list of actions, it is a lifestyle. So I won’t list my charitable contributions for you, I will just tell you that I have a worldview that sees my own well-being intimately intertwined with the well-being of others and the world around me.
233.
The Copenhagen treaty is 18 pages and I did summarize it. It will be revisited in Mexico city next year.
The healthcare bill is 2000 pages and is beyond my ability to summarize but HR3200 did include RFID legislation.
And yes, there is a lot of critical information buried in 400 page documents and anything that comes out of the UN I pay attention to. Attention to detail.
And yes, its a good time to be paranoid.
I actually never give to charity. Church, CCD, Girl Scouts, PAC, Food Drives, Clothes Drives, 9-11, Katrina, Haiti arm twisting forces me to give so much that I voluntarily give nothing. Yet they take take take and take.
For y’alls cokeheads here…
http://www.globalmediadynamics.com/upcoming-events/high-frequency
Chicago,
You assume, based on my resonse, that “i give nothing, do nothing”?
Way to miss the point entirely. I could provide you a list of things I do and charities I donate to, but that would fail to see my point. You really have a hard time seeing information that doesn’t comport with your worldview. That is a scary trait.
So, is it just me or does plg sound like HAL in 2001 only more mellow? Read his posts imagining HAL’s voice. Has he called anyone Dave yet?
Chicago,
If I were to give you a list of charities that I donate to, that would validate the worldview that says, “I give x amount to charity, so I don’t have to feel bad about all the other destructive things I do.”
That is not how I view the world. I view all my actions as a whole, not as a discrete set of actions.
Geez plg…..I think that stands for Pios Lil Girl….no offense of course.
or maybe I meant Pius
#95 If you were on the sidelines renting, waiting for prices to mormalize, they didn’t because a bunch of these little jerks bid the market up.
Spare me the sympathy card. If they couldn’t run with the big dogs they should have never gotten off the porch, which would have been better for all of us.
Amen my brother.
plg (237)-
Here’s my simple def: it’s you, constructing specious arguments that I never made, then your attributing those arguments to me.
Kinda like your post #237. Leave the quads and the mental defectives out of it. I’m not Romanian, so I don’t believe in warehousing them, suffice it to say.
Al “Thermostat” Gore seems to have one (Verichip) imbedded up his ass. Probably thought it was a suppository. Or his boyfriend’s member.
“Adults make their own decisions.”
Except when they sign a loan document that any sentient being with bovine superior intellect realizes they have no chance of repaying.
Then the banksters made them do it.
John (239)-
Was that guy named Blankfein by any chance?
#194 For frank it will always be 2005.
plg
Just for the record, what color is the sky in your world?
“If property taxes are your concern, even the property tax is a highly regressive tax.
The reason for this is that high-income households tend to have a lower proportion of their assets subjected to property taxes.”
#190 Meanwhile, the expanded and extended first-time home buyers tax credit had little effect here because of the relatively high cost of homes
That’s a bunch of BS, most of the activity hase been in the lower priced homes, and that is exactly because of the 8k tax credit.
Well meter…those same adults are screwed blued and tattooed now aren’t they. For the record…been paying mortgage since 2002…never missed a single payment.
Now we bought with a traditional mortgage though a credit union that wanted to know EVERYTHING about our income….and we needed 20% DOWN.
#191 this is not the first and is not the last economic crises in the world.
This is not an economic crisis, this is an economic melt down. None of us have seen this before in our lifetimes. If you cannot see that, than you are in deep denial or delusional.
Schump 240 – How bad was the prosecution that they only managed to convict her on 2 of 6 counts when THEY HAD HER ON TAPE!
She probably won’t give up Healy if she’s only gonna do a few months.
#190 Buy a home now, before prices go way up
Exactly why would they be going up?
And in your prior post you provide us to a link informaing us that Christie has declared a fiscal state of emegency.
So should we buy a home because we are in a state of emergency (will that help real estate prices?), or should we buy a home before the state of emergency is over?
@259 –
Not sure who you actually intended that for but my only comment in this thread was directed at Kaptain Konspiracy (Al Gore).
Anyway, I congratulate your fiscal propriety. I would have done the same were I in the market in 2002.
plg (248)-
I view my actions through the filter of “how do I make it to the end of the day”. Right now, you are preventing me from doing that, so good day to you, sir.
3b (260)-
When things go from gray to black, it is going to be a pleasure to pick the meat from the bones of a dupe like plg.
Holding this thought in mind is one of the things that keeps me going.
gator (261)-
They’re all gonna walk with a wrist slap.
Crime that pays is crime that stays.
The only thing that keeps me from serious considering plg’s pov is that I know there are people out there who would gut me like a stuffed pig for my tennis shoes.
sx (267)-
Hear, hear. The ablest and smartest ones who have been on the dole since childhood have the most profound contempt for those who try to help them.
They mistake kindness for weakness. Just like feral dogs.
#142 Sorry to hear that. My Father in Law died last night. One of the most intelligent, hardworking, savviest,and interesting men, I have ever know. Finally succumbed to kidney disease, after having a kidney transplant over 20 years ago. He loved and lived life to the fullest, and did not let his disease stop him. He was active and vibrant almost to the end. (he would have been the perfect addition to the nompound with his survivalist skills). Too young to die ar 75. He was a like a second father to me, and I am broken hearted he is gone. Thanks to all for listening.
Don’t even get me started on the illegals.
Found out one of our players & his whole family was illegal. They worked the club for everything: more playing time, show up late, special treatment…real PITAs. In the end, dad took the kid on the sly to try out for another club, and they ditched us when word got back to us.
3b (269)-
My condolences on your loss.
so sorry 3b. I lost my mom in law 7 years ago, she was also like a mom to me and I feel her loss daily. Take care.
This month’s blizzards are battering jobs.
“Economists estimate that between 90,000 and 150,000 jobs could be lost in February, as the snow kept people home from work and stalled hiring during the month.”
Jesus HC – reminds me of the realtor articles two years ago stating that bad weather kept people from buying homes. Yep, it is called a sh*t storm.
I usually agree with what you post here, but in this case I must say that I do not share your views.
274.
teeth whitening:
could you be more vague?
Schump, cash money, offered 700k cash. My father doesn’t believe in personal debt(through an LLC is a different story) or unmitigated risk, very risk adverse with his own money and doesn’t really believe in borrowing unless necessary or housing as an investment.
As for aid, yes society needs to take care of those who cannot care for themselves, but define those who cannot care for themselves? I hate to sound cold but it comes down to either you are physically or mentally capable or neither. I believe we need to empower the handicapped to be productive and provide for them if they cannot, but the lazy deserve to starve, because they can feed themselves but they are unwilling to work for it. We need to get people to work. If they can’t get a job give them a job, but nothing pleasant, you’ll see how soon they find a job on their own. Seriously, I am going to call my plan welfare recipient replaces migrant laborer or farm hand, the gov’t rents you out to businesses in need of labor to pay for the welfare. Any random task you can be assigned to within reason. In the case of NJ, walk around trenton, Newark, jersey City, and ask yourself are we really helping these people by putting them on the dole? In principle I am liberal but in practice it is damaging to society. It makes our society soft and unable to compete, it breeds crime and poverty. Socialism failed repeatedly, it is an experiment not worth repeating.
I don’t care if we are paying welfare recipients to dig holes and fill them in, as long as they don’t get away with doing nothing.
3b: sorry to hear it
276. The French seem pretty happy…..
3b, my condolences for your loss.
http://www.cnn.com/2010/WORLD/europe/02/11/france.quality.life/index.html?hpt=T2
jcer (276)-
Wow, that’s amazing. Yours is the first story I’ve heard of a cash offer being rebuffed with no counter.
3b, sorry to hear that.
jcer (277)-
I say we conscript them to fight the endless wars we seem to love so.
When someone describes the shortcomings of others, they often offer a window into their own psyche…..also known commonly as “projection”….
plg says:
February 11, 2010 at 5:03 pm
You really have a hard time seeing information that doesn’t comport with your worldview. That is a scary trait.
279, the French are a different story entirely. Their society and societal structures are different. It is also not a truly socialist country. When all you do is drink wine all day you are going to be pretty happy! Happy has nothing to do with it, is it productive, does it add to society or does it hamper productivity and the success of others?
#279 Essex,
The french are happy cause they have good food and thin women.
Schump, JPM countered at 990k a 10k reduction, who ever makes decisions in banks is a) pretty stupid and b) on drugs or out of their minds.
sx (279)-
Wait until this Summer’s edition of endless, car-burning riots and let’s visit that topic again.
284, we have tried many are smart enough to not sign up and we all know selective conscription would violate a whole bunch of laws.
plg says:
February 11, 2010 at 5:03 pm
Chicago,
Way to miss the point entirely.
plg: come on…you are missing the point; I question no so much your philosophy, but rather how genuine you are. You may be a troll. Regardless, remaining vague and positing specious arguments effectively makes you a troll here.
Additionally, you do not even know me, so how do you know how open minded I am. Spare me your highhanded pontificating about the greater good and the “collective”…resistance is futile……
The French who are happy, are happy because they are supported cradle-to-grave for doing absolutely nothing.
chi (285)-
Nothing that sophisticated with plg. Just a garden variety dumbass.
jcer (288)-
990K isn’t a counter. It’s them telling your dad to get lost.
Gator, I am surprised they convicted Beldini at all, these are hudson county democrats remember. She clearly did not follow the party line, the whole self serving real estate agent thing brought her down. All of the loose ends were supposed to be tied up by the death of Jack Shaw, as the bag man he is the only one who actually touched the money and knows where it went. Healy was smart enough to direct people to Shaw and was purposely vague. No Shaw testimony puts this case and the eventual one against healy in a tough place.
How desperate do you have to be to hold an open house on Valentine’s Day?
Schump they’ll be back, either they’ll be dealing with a bottom-feeder like my father or a builder(not likely wanting to take a big risk so is paying peanuts). Most buyers down there really don’t want to do work, a completed place commands a premium and a wreck takes a huge hit. Screwing banks is his thing(buying bank debt for pennies on the dollar and foreclosing on the real estate), he is still waiting to get in on the commercial bust but it unfortunately is not at all like the early 90’s when the banks needed money.
When the unemployed, rioting Muslims are setting the cars of the bourgeoisie on fire, how many of the narcoticized French will be able to do anything but sit and watch? Hell, the police there sit and watch.
I’d love some raghead to try to set my car on fire. Good target practice.
287…I like my ladies with a little meat on the ol bone…..if ya know what I mean.
jcer (297)-
I like your dad…and I’ve never even met him.
281
Essex
you just threw it down…*braces for impact*
sx (299)-
The BBW p0rn site is next door down. :)
Let’s say a USAF bomber is overflying…let’s say…Athens. And then, a hydrogen bomb somehow slipped out the bay door, and accidentally airburst. Would anyone mind?
http://www.zerohedge.com/article/here-comes-cavalry-will-us-taxpayers-be-footing-bill-greek-bailout
Chicago,
I argued that a gas tax would have been preferable to cutting aid to NJ transit. What is specious about that?
I argued that cutting the Public Advocate, Education and NJ transit would harm the poor and middle class.
What is specious about that?
Your response was to ask how much I donate to charity, which I find totally irrelevant to the substance of my argument, but I entertained the bankrupt question anyway.
What I am finding in these comments is that personal attacks are common, but substantiative responses are lacking. Would anyone care to debate the merits of these points, rather than say things like “your argument is specious” or “how much do YOU donate to charity”?
plg,
I actually do agree with one thing you said, about raising gas taxes. At least fuel is correlated to road repair expenses, so in the absence of privately owned toll roads (which I’d prefer), it’s one way to levy a user fee.
But I think making NJ Transit pay its own way is a good idea, too. Nowhere near as good as ripping education out of the hands of the state and govt unions, however, on the making things better front.
As for charity, I’m only a fan of one, my only hope for making our world a better one someday. Made a big donation when I got my bonus in December: http://www.aynrand.org
(Plg, don’t look, you’ll like it about as much as the Wicked Witch liked Dorothy’s bucket of water.)
plg-
Pretty much all of us here have had it with your tired, pedantic, chiding and holier-than-thou attitude. Given that you have married an intense dislikability factor to arguments more suited to seventh grade Civics class, why don’t you give it a rest?
Ayn Rand: on FIRE since Nov of 2008.
301 Barb-
I work for a French firm. Our equipment is manufactured outside of Paris and we are at a distinct competitive disadvantage because of it. It’s sold for a premium and it’s really not much better than competitive equipment. Our industry is very mature. France may be the worst place in the world to have a manufacturing base.
They are as arrogant to work for as their reputation. They think that they invented business and overcharge our subsidiary for everything. They are slow to react and getting concessions from our own factory and their own workers is almost impossible.
Our division does 50% of the global business, yet getting minor adjustments made for our market is a major endeavor. Even though we are all the same company I truly believe that they enjoy screwing us over.
d2b, surprised to hear you lost power. know 2 other people in bucks who lost power … one only lives about 3 miles from us.
thankfully, we didn’t lose power.
We may try the ex pat thing one day….but I really do love the Yoo Ess Ay! I mean where else can you get all an order of BBQ ribs and a side of statins??
Yikes,
I’m west of the city in Montgomery County. The transformer behind our neighbor’s house went and that’s why. The folks down the street and across the street still had power. About 20 homes in our area went out and a few developments near us had the same problems.
Timing was terrible. It went out at 5PM last night. Plus with such a small outage area, I’m not sure that we were a priority.
d2b (308)-
France is just a completely degenerate society that is defined by- and consumed by- its welfare state.
Essex, I like my iced coffees to be about the size of my head and if I want a fash mag at 2am to ward off a shame spiral, then its my God Given.
312. They nuthin on us though….
http://celebslam.celebuzz.com/2010/02/rachel-uchitel-hired.php
I like that term, “shame spiral”. Is this like something girls who do the binge/purge thing get into?
Babs…if you need anything at 2am I am your man……;-)
Example:
plg is descending into a shame spiral, so he decides to vent by trolling at a real estate blog.
I work for a rather large swiss firm, I firmly believe they are functionally insolvent. The swiss are very incompetant at business, especially understanding the US market place, I don’t know how they got this reputation for being good with money. It is very scary, the only swiss things I will buy are chocolate and watches. The lack of work ethic in europe is astounding.
Liberal guilt has consumed more than one mensch.
sx (316)-
BBW chat room is next door.
I know nothing of eating disorders but since getting on Facebook, they are apparently really common amongst my old HS mates.
Gotta love the Swiss though….I mean…hey at least they have decent vacations.
d2b,
I guess at the end of the day, is the business profitable or teetering? Business and people are a PITA the world over.
Let’s see how many eating disorders we have in the US when our standard of living gets lopped in half and millions of us are having to grow gardens in order to eat.
I worked in tech for so long that I became decent at making money in firms that were either insolvent or had no business plan to speak of.
324. Shit we’ll probably all be fit like those dude in the 30’s.
Shumpeter,
Thank you for yet another example of a response completely lacking any substance whatsover. Did you actually say I am “dislikabile?”
That worked in 1st grade. “No one likes you, nah nah nah!”
You make no point whatsover, except to try to insult me, which will not work. So, if you have something substantive to add or you would like to respond to the merits of my post, I’d be glad to respond. Otherwise, you will be not be getting responses from me.
Shumpeter said:
“Pretty much all of us here have had it with your tired, pedantic, chiding and holier-than-thou attitude. Given that you have married an intense dislikability factor to arguments more suited to seventh grade Civics class, why don’t you give it a rest?”
A.West
Thank you for your substantive response. I think we may have found a PERFECT example of an area where I and you Ayn Randers can agree. A gas tax would satisfy your desire for users to pay their own way and my own preference to create tax incentives that promote less usage of gas and more mass transit.
As far as NJ transit is concerned I don’t see how mass transit would be funded without government support. Most mass transit systems in the world are subsidized. The Chinese are building an insane amount of high speed rail as we speak. The rest of Asia is leaving us in the dust on mass transit. Viable, affordable mass transit is essential to our competitiveness.
326.
that’s some slow food fer sure. We need a calories to pound of fat calculation to time starvation risk. Off the top of my head I think we’ve got a years reserve, if my observations at the MAll last week are any indication. How many for the Chinese, hmmm? America, #1.
317.
Shump,
Most of the people that think like that were educated at places like Columbia or Seton Hall. Communist indoctrination camps. F them. They will learn the hard way.
plg (327)-
Thank you, and go fcuk yourself.
“Otherwise, you will be not be getting responses from me.”
sx (326)-
That Tom Joad was wicked ripped.
Al (329)-
When it all starts going to hell, these weaklings like plg will be vaporized in a day.
More substance from Shumpeter,
His new argument is literally,
“go fcuk yourself!”
Very clever argument.
#333 I like that argument. It’s short, sweet and to the point.
I don’t think anyone disagrees with better transit, but……NJTransit/Amtrack/Conrail will NEVER, I repeat NEVER suceed in improving transit. Give up now and bring in Bombardier.
333. That’s the one my wife uses with me and it always works.
Of course she’s from Philly….and my understanding is that they all tend to be a little harsh there.
jcer,
when you say NJ transit Amtrak won’t, you are aware that the european system is highly subsidized. It is a model of transit worldwide.
The Chinese system is completely government funded and is growing to shame our own transit system.
Bombardier is actually a partner with european transit. The trains are still highly subsidized.
3b,
Sorry for your loss.
gota side with plg here. Trains should be publically subsidized. I put them right up there with fire and ambulance as far as what a civilized society should be willing to pay for. NJ Transit is already a fortune, and extremely crowded.
#254 leftwing
“Except when they sign a loan document that any sentient being with bovine superior intellect realizes they have no chance of repaying.”
What I really find funny is the correlation between those who signed the subprime mortgage paperwork because they were told there was no down side and those that signed up for Auction Rate Securities that were told they are always liquid. Both didn’t understand the paperwork.
#292 Clot
“The French who are happy, are happy because they are supported cradle-to-grave for doing absolutely nothing.”
Yet even with the high teen and overall unemployment, they still have the second strongest economy in Europe. They also have a military that is mean as Fcuk. Fron the Leigionaires to the ones that run over greenpeace boats. Add in embracing Nuclear Power and great wine food and beaches, there is a lot to be said.
#308 d2b
“I truly believe that they enjoy crewing us over”
You are starting to get it.
Are you in Avaya by any chance?
106 Stu: “Boy, this Christie sure sounds a lot like Corzine did when he was a greenhorn. Shouldn’t be long before he disappoints the tea baggers.”
Christie stated today “”Revisit its rich union contracts,” Christie said. “And they may also have to consider service reductions or fare increases.””
Anyway, I love it when some low IQ liberal moron gets kicks by calling fiscal conservatives “tea baggers”. I understand you, though. Had you mom not drinked while pregrant, you might be almost normal and having a decent job.
Tough luck.
Bloomberg news:
“Feb. 11 (Bloomberg) — President Barack Obama said he is “agnostic” about raising taxes on households making less than $250,000 as part of a broad effort to rein in the budget deficit. ”
Now, let’s see. How many of the liberal wackos here actually believed The One’s pledge not to raise taxes ?
jamil where you been the crew was looking for you the other day to debate an ultra liberal. Sorry you missed it.
Jamil, how was the convention in Texas.
I had scribled a note on my hand about something I wanted to discuss with you. Its a bit smudged as its been a few days. It was a math question for the tea party quiz.
600 people
$550 a ticket
100K keynote speaker fee
Is blowing a 1/3 of the gross on one speaker, fiscal conservatism in action?
when you say NJ transit Amtrak won’t, you are aware that the european system is highly subsidized. It is a model of transit worldwide.
Spain is particularly impressive. Of course, my geeky optimism is tempered by the precarious fiscal situation that country faces. No doubt the cost of AVE has played a role in their current situation. I believe the cost of AVE is measured in billions.
I am pro mass-transportation, and believe it should not only be subsidized, but funded by taxes on non-mass alternates. I would support a dramatic increase in federal and state gasoline taxes to fund.
Maybe it would be good if we eliminated car transportation and herded everyone into trains. That way they would be easier to control. UN Agenda 21
Insert name calling here……….
Live free or die
Grim, Is what you are proposing mean that folks residing and working in Somerset, Hunterdon, Warren, Morris, Sussex counties where mass transportaion is pretty much non existent should subsidize NYC and vicinity bound commuters’ transportation through higher gas taxes? Pretty regressive if I may say so.
#350 njescappe
Why not. When you look at the numbers of people communting into NYC, JC and NYC, mass transportation can work and should be supported. Getting people on mass transit will free up the RT 202. 22, 206 of the world to the cross traffic that is not commuting East to the cities.
I’m enjoying John Stossel’s show. This week’s episode was mostly about how public employees are plundering state finances. He had this guest on among others:
http://www.youtube.com/watch?v=M1_Ecn4jHls
Still, it’s unfortunate that a discussion of what’s really going on has to turn into a proxy war by political parties.
…Let’s get real about the state’s PERS pension system. It is not about the state workers who contribute every payday. It’s about the corruption of the system. First, Govs Whitman and McGreevey stole 3 billion each for operating costs. A private sector CEO would be jailed for this. The state, except for the one third of the obligation added this year, has contributed zero for the past 13 years. That means all of the money added to the system has come from the employee’s paychecks not tax money. In the mid 1990’s the fund was worth 93 billion when the State Div of Investment prudently invested the money. Then through politics private stock brokers got their hands on the money. They invested in high risk hedge funds and even gave Lehman Brother (some former employees) 800 million from the fund, two months before it went belly up. Another case that should put people in jail. The Div of Investment state employees cost the state 5 million a year, the brokers cost up to 200 million in fees. In total, this move has cost the fund about 2 billion. By the way, the “private” brokers have now managed to reduce the value of the fund to about 53 billion. In addition, you have the politicians getting 3-4 pensions, they make deals for association members and contracted attorneys (not gov employees) to be added to the system. Do they even contribute? Politicians who work in and benefit from the private sector while serving on a board or committee at $1,000 a year get a six figure state job for three years and their pension is based years of service and salary. This means they could walk away with a $60,000 pension for actually paying into the system for three years
Of course, to protect themselves, they have been “grandfathered in”.
So what is the legislature’s answer? Cut the benfits of all the state employees that have paid into the system for years with the promise that working for the gov does not pay but at least you will get a decent pension. For the bashers, most major companies and unions offer similiar or better benefits. If you want to lower taxes, stop the corruption…
Grim, Is what you are proposing mean that folks residing and working in Somerset, Hunterdon, Warren, Morris, Sussex counties where mass transportaion is pretty much non existent should subsidize NYC and vicinity bound commuters’ transportation through higher gas taxes? Pretty regressive if I may say so.
Actually, the opposite. NYC and vicinity residents already have mass-transportation alternatives readily available. Housing affordability is forcing lower income residents to live further away from job centers, and forcing them to bear the additional burden of the cost of the extended commute. Sure sounds regressive to me.
Maybe it would be good if we eliminated car transportation and herded everyone into trains. That way they would be easier to control.
So what you are saying is, if the Jews had cars, the Holocaust wouldn’t have happened. I completely understand now.
If the Jews were just a little more considerate of the Nazis and perhaps put up with some of the scapegoating…you know the blame for a bad economy and such….then maybe…
PGC
On fire tonight, aren’t we?
Dodged that ARCs bullet myself. Can’t believe how much time I waste making sure my cash is in fact in cash.
Whatever that means these days….
PGC, Why shouldn’t the cost-causer pay his / her own way.
Drivers already pay tolls, taxes.
Why should a car commuter subsidize with higher gas taxes a train / bus commuter? If I live in Somerset county and must commute to employer or school in Sussex county, why should I subsidize a Middlesex county resident’s commute to NYC or Secaucus.
Remember: Don’t tax me tax the guy behind the tree.
njescapee,
“Is what you are proposing mean that folks residing and working in Somerset, Hunterdon, Warren, Morris, Sussex counties where mass transportaion is pretty much non existent should subsidize NYC and vicinity bound commuters’ transportation through higher gas taxes? Pretty regressive if I may say so.”
Regressive means it taxes the poor at a higher rate than the rich, which to many people, is considered unfair. It does not have a regional meaning, as far as I know.
In fact, the residents of ALL of NJ would benefit from increased mass transit usage in the form of cleaner air and less congestion. For the future, we should be incentivizing people to live near transit instead of way out in Sussex county. Making transit cheaper and driving more expensive would do that.
Also,
Angela Merkel dashes Greek hopes of rescue bid
German chancellor refuses to rescue Greece’s ailing economy amid Berlin’s domestic austerity
http://www.guardian.co.uk/theguardian/2010/feb/11/germany-greece-merkel-bailout-euro
354. If every Jew would have defended their home with a fire poker the holocaust wouldnt have happened.
Remember this.
*sigh* Al…few things are funnier than holocaust jokes. I will make you a deal. Next GTG…look for me…and tell me one of those. We can share a laff together. OK?
“Regressive means it taxes the poor at a higher rate than the rich, which to many people, is considered unfair.”
plg
Glad to see you understand the meaning of regressive.
Your post saying real estate taxes are regressive had me wondering.
I get progressive, as in I pay 39% of the last dollar I earn while someone else pays only 22%
I get that taxes like real estate, sales tax, gas tax, etc. that tax everyone at the same rate are ‘fair’.
Glad to see you agree.
Grim, I was referring to the current state of NJ infrastructure. I might agree with you if mass transportation services were actually available in those counties but unfortunately they are not and will probably not be for generation or 2.
361. What joke?
Al, you somehow fail to understand the cruelty and commitment Adolf’s Germany exercised towards the goal of eradicating Jews.
This thread has been Godwinned…
365. No I fully understand. If you think it cant happen again why dont you look up the report from iron mountain.
Stop being a victim and start defending your God given rights. Americans arent going to fight your war for you.
By they way, lever up the HELOC if you can. Freedy maybe a scumbag but hes a smart scumbag.
No problem with subsidized transit, just with the current government entities responsible, we want bullet trains…we get acela! Slower than driving! How about nyc->philly in a half hour,Phily->baltimore in a half hour, baltimore->DC in 15 minutes, NYC->Boston in 2h20m, possibly nyc->chicago in 4hrs. We not only need the budget but also the expertise. The problem with massive gas tax is, mass transit is no where near where it needs to be and it would hit the lower middle class hard, additionally the impact on certain tourist locales would be devastating. The money spent on financial bailouts would be better spent on a north east transit backbone and land bridge freight system.
#357 njescapee
Think of it this way. If you can move a lot of PA -> NYC comuters off Rt80/78 etc onto public transport, it would make the local comutes in Warrenn Sussex, Morris etc a lot easier.
Its fun to watch the friday evening traffic in Morristown and the like when there is an accident on the 287/80 ramps.
#356 Leftwing
I have had to leat a lot of topics slide in the past few weeks due to work and life commitments.
I’m off to Europe tomorrow. At least I’m gettiing a small break on the EUR conversion this week.
leat=let
time for sleep
PGC, believe me I know. I’ve had various length daily commutes in and around the 287 corridor from Belle Mead for 27 yrs. I am now a full time teleworker based in Key West and I drive less than 2000 miles a year. Mileage varies. :-)
Grim, TGV or Spain’s AVE, metro,cercenias are a far cry from what NJTransit or Amtrack is offering,buses are often faster and cheaper than Amtrack. The federal gov’t is the only entity capable of building it and the leadership can’t be what’s there now.
Two words, Light Rail, I see it every day and it is upsetting that NJTransit managed to spend 3 billion on it and they had the land for the tracks. Don’t get me started on the PA, MTA, etc. EWR airtrain and the general state of trains to and from the airport, not even really sensible even from the city centre in NYC. The half baked, expensive transit solutions offered by the current organizations cook up are boondoggles.
Realistically, the high-speed rail in the NE Corridor could be built only after a major change in the eminent domain laws (otherwise, the whole U.S. national debt has to be doubled to pay off the land owners). Will never happen. High-speed rail link between Houston and Dallas may happen; not that many people will be using it because of intrinsic dislike of being herded and controlled by the government, but NJ residents will be actively financing the project via taxes.
cobs: stop stating reality and facts; it causes great pain to those living in harmony….
375.cobbler says:
February 12, 2010 at 12:08 am
Realistically, the high-speed rail in the NE Corridor could be built only after a major change in the eminent domain laws (otherwise, the whole U.S. national debt has to be doubled to pay off the land owners).
Fun facts time for those living on the moral high ground.
#1 I did not earn a driver’s license until I was 25 years old.
#2 I have been in or traveled through every station in the NYC subway.
#3 I ask for evidence of credibility; essentially the avoidance of hypocrisy; and in response I receive evasion and an accusation that is wholly unfounded.
Honestly, have you ever heard the term “limousine liberal”? Just trying to smell you out…..
248.plg says:
February 11, 2010 at 5:08 pm
Chicago, If I were to give you a list of charities that I donate to, that would validate the worldview that says, “I give x amount to charity, so I don’t have to feel bad about all the other destructive things I do.”
That is not how I view the world. I view all my actions as a whole, not as a discrete set of actions.
You guys with your rail, make me LOL.
It is going to be buses when the oil starts to run out. Ever been to a third world country? There is little rail just too damm expensive. However a bunch of used buses are dirt cheap to operate.
jcer, the ideas trotted out regarding rail service and our current Amtrak/Acela mess are not half-baked; in fact they are highly calculated political maneuvers. Amtrak could make the runs you outlined in the timelines you outlined, provided they lay the infrastructure required (upgraded rails, upgraded or eliminated grade crossings, upgraded catenary, etc). However, NIMBYs don’t want 150mph trains running through their backyards, local blowhard politicos don’t want Amtrak passing them by and demand the trains stop in their podunk towns, and lets not forget the goose that lays golden eggs known as airport parking fees. This is why ticket prices are exorbitant if you want to take the Air Train – because the airport & local and state government needs to get their cut.
One of the big distortions an economy can have is when the government becomes the monopolist in providing transportation services. They typically are the only major player in both road and rail service provision, but their investment decisions aren’t based on economic demand, but typically are based on political pull and favoratism. I’m against government involvement entirely, but given that it’s forced private investors out of the industry entirely, underinvestment in transport assets can be just as bad as over or mal-investment. Typically, transport assets are good in the areas where the powerful politicians are based, bad and underinvested elsewhere.
Believe it or not, markets are better at coordinating transport investment than governments – but no country has really built a system supported by this principle.
All The Latest Movies In Theaters can be seen for free at http://MoviesWatch.info
I found your blog when searching MSN for infomation about mortgage net branch companies
I want you to know, your article goes to the core of the subject. Your lucidity leaves me wanting to know more. I will immediately grab your feed to keep up to date with your blog. Saying thanks is simply my little way of saying great job for a good resource. Let In my nicest wishes for your next publication.
Hey man I just wanted to say thanks for taking the time to create something worth reading . I am all over the internet and I see so much pointless content that is just created for the sake of putting something fresh on their site . It takes devotion to create good stuff, thanks for caring.
Hey very nice blog!!
I admire what you have done here. I like the part where you say you are doing this to give back but I would assume by all the comments that this is working for you as well.
Is it a thirty day risk free trial?
Financials made US strong; financials will destroy US as well.
Thanks for your information. It’s really good.
Download Yellow Handkerchief Movie Here NOW!
Votre urgence depannage rideaux est notre priorite ! Evitez les mauvaises surprises et appelez a nos depanneurs specialistes qualifies, pour toute reparation intervention de depannage .
Hi, it looks like your site
I recall the story of the early Teen boy, slightly overweight, name MUNCTON ? a few weeks ago who got beaten up by a gang of city youths because of some minor problem like his basketball hit a girl during a game by mistake,/I think he lost an eye, and got his face bashed in very badly. That is TEEN DEPRESSION at the worse. Being picked on by a gang , run down like an animal, and then beaten savagedly is so depressing to me, in our day and age. What ever happen to that poor kid ?
Just imagine I read it twice. While I am not as accomplished on this issue, I match with your determinations because they create sense. Thanks and goodluck to you.
Great Post. Really it will help lot of people. Thanks for the post.
thanks!
Really awful humans, so why do they really feel the need to do this?
Really bad americans, exactly why do some people feel the need to do this?
I had a family member that worked as a senior member of the IMF. (International Monetary Fund). They only accept payment from member countries in GOLD. They do not accept payment in local currencies. They only exchange gold for local currencies in order to fend off a local banking crisis. You can google this. The big banking boys know what real wealth preservation is. They setup their own safeguards to include a gold reserve, not a paper reserve. China, India and the US are huge gold holders. They don’t liquidate Fort Knox to pay federal debt, they just whip up a new batch of paper.
Great post. I’ve been looking for this exact information for a while now. Bookmarked!
People, particularly teens tend to communicate more via facebook or text messages. Technology is dehumanizing people. On top of that there is the culture of cruelty; teens can have a tendency to be meaner to their peers. No wonder teens feel and are more depressed. People do not care for each other as much as they used to.
Hey, this is a very nice blog! It seems you are doing well in the alexa rankings. If you can please help me jump in the rankings as well by checking out my site at http://www.publicdomainpayday.com thank you so much for your time and I will check back on here when I get a chance!
Great Website! I wondered if I might be able to site some of your website and use a few items for a term paper. Please email me whether or not that would be fine. Thanks
Thanks for this amazing real estate blog.
Such ideas is a kewl. I read this post carefully and like it so much. nice 2 see this and hope 4 more ^_^
Great articles & Nice a site….
This site looks good as it will save me a load of time crawling around for Outsourcers. here I post once and then wait for the bids.
Information on the subject off the prostate definitely intrigued me personally. Most of the narrative, New Jersey Real Estate Report » Citi offers cash for keys, renders methods enormously remarkable and as well in the loop information. I may let my close friends fully understand in regard to your writing additionally due to it conveys some of the smart ideas I now have held for a lifetime.
I was looking for something absolutely different than this post but I’m very happy I hit your blog. I found this topic very interesting. I plan on going through the rest of the website when I finish this comment. Thank-you
Thank you for another greet post. Keep up the good work.
Thank you for your great post, I’ve never really posted here before so i wanted to say thanks and keep up the good work.
When the US Supreme (idiot) Court overturned campaign finance laws which will allow corporations and foreign governments to essentially buy US elections, I decided it’s time for me to give up on voting, except at my local level. I’m done. What’s the point now?
These snap shots of your respective swimwear products are basically exceptional. Know that you will have executed a good career covering the most recent kinds for 2010. The summertime will be proper the following earlier than most folks understand it and likewise you might all be within the marketplace for swimsuits which contains kinds in these weblog publish. Physical activities Illustrated easily just arrived out while using unique swimwear edition as well as we may virtually all be trying to find bikinis which includes the bikiniss with your story.
Howdy How is it going today? It’s only that i like your blog so much, and that i believe you can start getting alot of loot with it. I have a couple of thriving websites that I started earning some money from recently. They use a thing called a content hider widget, it makes visitors fill out a small survey inorder to unblock highly valued content or to download programs or tools that they want. And each time they do a fast quiz i make around a dollar. Really awsome eh? Been making lots more from it than adsense. Feel free to contact me, or you can check it out through my link. tinyurl.com/yevwfst, Kind Regards, Henrik V. Hannsen
Great site. Gives me the motivation to lose weight this year. I hate being fat lol
Howdy. Initial I want to say that I definitely like your weblog, just observed it last week but I’ve been reading it constantly since then.
I appear to come to an agreement with most of your thinkings and opinions and this post is no exception. I fully
Thank you for a fantastic website and I hope you preserve up the great work. If you do I will continue to browse through it.
Possess a excellent day.
thanks,
Hello there. Remarkable position. I does not expect this with a Wednesday. This is a superb history. With thanks!
Nice to be going to your web page again, it could have been a few months for me. Well this document that i’ve been waited for so long. I want this document to total my task inside the college, also it has same subject matter together with your document. Thanks, great reveal.
I keep listening to the news speak about getting free online grant applications so I have been looking around for the best site to get one.:)
Bill, you are absolutely correct, it shows that you’re an authority on the subject. I admire someone that takes the pride you have and with your projecton of information. oSo when i actually do sit down to read material, I appreciate well written and organized blogs like this one. I have it bookmarked and will be back. Thanks.
Great blog to read. I was really surprised actually because I thought I was going to take a lot of time to find information on this topic but your blog had it all. Thanks for the post and share. – Cheers – Nicole
Great post, I bet a lot of work and research went into this article.
A good forex strategy which is automated is software that makes money, this is a very fascinating concept to me, why I’m interested in researching this subject.
A good forex strategy which is automated is software that makes money, this is a very fascinating concept to me, why I’m interested in researching this subject.
I love this blog. Thanks for the great information. I have it bookmarked and will be back. If anybody needs start a new credit file don’t hesitate to come on over.
By far the most concise and up to date information I found on this topic. Sure glad that I navigated to your page by accident. I’ll be subscribing to your feed so that I can get the latest updates. Appreciate all the information here
I was looking for proxy articles, this was great – bookmarked your site!
Want to donate to charity, but don’t have the money to?
As a student, I always wanted to donate to charity, but I never had enough money. Now, with all of these global problems like the economic crisis occuring, it’s even harder.
I made the solution, which is you just complete 1 survey, and with the money you make from that, I will donate it all to UNICEF. Please just do ONE GREAT THING, and DONATE FOR FREE!
Your ONE SECOND SAVES ONE LIFE!
http://www.clickforaid.com
Sometimes it’s healthy to be optimistic, but don’t count on it. Just stay pessimistic and you’ll never get disappointed!
Want to donate to charity, but don’t have the money to?
As a student, I always wanted to donate to charity, but I never had enough money. Now, with all of these global problems like the economic crisis occuring, it’s even harder.
I made the solution, which is you just complete 1 survey, and with the money you make from that, I will donate it all to UNICEF. Please just do ONE GREAT THING, and DONATE FOR FREE!
Your ONE SECOND SAVES ONE LIFE!
http://www.clickforaid.com
I’ve been reading a few posts and really and enjoy your writing. I’m thinking of linking to your posts from my site , just let me know if it’s feasible , thanks !
Hey, this blog is really happening! It took me quite a while to read through all the comments. I appreciate the idea of tweeting the post so that more readers find it!
Hi there, I found your blog via Google while searching for first aid for a heart attack and your post looks very interesting for me.
FYI, I can’t see this correctly on the latest Halon browser.
thanks !! very helpful post!
Hey There, this weblog seems funny and narrow when I open it using Opera. Nonetheless, it seems to be fine in IE. Does anyone else observe this?
Do you have a “top posters” page to reward your best blog comments?
Not a lot of folks imagine the very same way while you. That includes me.. sorry …)
I’ve been looking for this precise information on this topic for a while. Bookmarked and recommended!
Hi, toller Post, den Du da erstellt hast. Ich möchte Dir herzlich für den Tipp danken, war mir bisher neu.
Mir gefällt Dein Blog, deshalb werde ich wahrscheinlich noch öfter bei Dir vorbei schaun.
I’ve been searching for this precise info on this topic for a long time. Bookmarked and recommended!
I’ve been reading a few posts and really and enjoy your writing. I’m thinking of linking to your posts from my site , just let me know if it’s feasible , thanks ! my site: affitto casa vacanza
I just couldnt leave your website before saying that I really enjoyed the quality information you offer to your visitors… Will be back often to check up on new stuff you post!
After searching BING I found your site about New Jersey Real Estate Report » Citi offers cash for keys and another one called usfreeads.com/1582856-cls.html . I think both are good and I will be coming back to you and them in the future. Thanks
I thought it was going to be some boring old post, but I’m glad I visited. I will post a link to this page on my blog. I am sure my visitors will find that very useful.
I was just surfing around the net while doing some homework and discovered your site, good stuff you have here thanks for the info.
Seasons greetings to all of you and best wishes for the coming year 2010. Great way to explain it. Can’t say more than to appreciate what you are penned down. can you show how to grab your rss feed? I couldn’t find how
Thanks for your wonderfull work in writing! This article is above and beyond others i have found writing about this subject. Thank you so much for your help in aiding me get to grips with this subject.
This could be the very first time I have commented here and I should say you give genuine, and quality data for bloggers! Fantastic task.
Great articles & Nice a site….
Brina
Any motorist will know that, no matter how much money you pay for a car, how new or old it is, there will always be something that can go wrong. It doesn’t matter how rare the fault is, or how well the car runs most of the time, eventually something can go wrong – and when it does, you often find yourself having to hand over plenty of cash to get it repaired. Volkswagen Owner Manual
Interesting insight, amazed I never thought of that by myself
Now i am wondering what CMS your blog is built on? It appears to be really good and I love all the visitor functions that are offered. I am sorry if this is the wrong place to ask this then again I wasn’t sure how to speak to you – with thanks.
You are a very smart person!
Any motorist will know that, no matter how much money you pay for a car, how new or old it is, there will always be something that can go wrong. It doesn’t matter how rare the fault is, or how well the car runs most of the time, eventually something can go wrong – and when it does, you often find yourself having to hand over plenty of cash to get it repaired. Citroen Owner Manual
watch iron man 2 on-line at http://movies.neverseen.net
watch iron man 2 streamming at http://movies.neverseen.net
Hi, I’d just like to say, what a cool post! i am just doing a bit of research for my website but i had a problem reading this post because the text protruding on to the menu…. Edit: apologies, my fault, its my outdated version of internet explorer causing the bug. Could be worth telling ppl to update. All the best. Jo Warne
Great article I’ve just added to my bookmark list.
Hey, I read all your blogs, keep them coming.
Any motorist will know that, no matter how much money you pay for a car, how new or old it is, there will always be something that can go wrong. It doesn’t matter how rare the fault is, or how well the car runs most of the time, eventually something can go wrong – and when it does, you often find yourself having to hand over plenty of cash to get it repaired. Holden Repair Manual
Curiosity killed the cat.
Hacking someones msn is great fun, this website lets you hack into someones msn account, see How to hack MSN
Keep the good information comming, we need more authors like you!
In searching for sites related to web hosting and specifically comparison hosting linux plan web, your site came up. :)
yea nice Work
Reading your blog put a smile on my face that lasted all day, thanks!
As a Newbie, I am always searching online for articles that can help me. Thank you
I have added your blog to my favorites list.
It sounds like you’re creating problems yourself by trying to solve this issue instead of looking at why their is a problem in the first place.
I recently came across your website and have been reading along. I thought I would leave my very first comment. Nice blog. I will keep visiting this web site very frequently.
Good post. This issue cries out further discussion. More interested parties must step up and be consulted. ta ta
Now make a few paragraphs about this person’s life, but don’t dig too deep. Don’t reveal as well much about this person.
I really liked your post and I will really say that the last post posted about this topic explained everything. And this post is really a booster. I will say that the starter of this post was really in need of this information and so was I, I did search for this topic, but bang you people posted about this. Thanks all for posting this thread and really making valuable contribution. It really will help me and the post starter as well!
Have you seen Kim Kardashian’s sextape yet?
It is at http://www.watchcelebsextapes.com
howdy. Awesome editorial. Saved and will visit again shortly. bfn
awsome website you have going on here! hope you dont mind if i make a suggestion? I have been blogging for many months, and found that an interesting way to add worth in terms of visitors involvment is to add a forum for viewers to communiate with eachother. There are some decent zero cost forum soloutions available… (just search yahoo or google). The good thing is that you dont require your own host plan, thats included. The only negative is that when you feel the need to modify or even add plugins etc you sometimes have to pay a fee… All the best! Heather Trott
I think this is a great post. One thing that I find the most helpful is number five. Sometimes when I write, I just let the flow of the words and information come out so much that I loose the purpose. It’s only after editing when I realize what I’ve done. There’s defiantly a lot of great tips here I’m going to try to be more aware of.
Just wanted to say I really like your site and will definitely be back!
Awsome post we need more like this, My blog lacks content like this you are very admirable!
I always look for new teeth whitening product, and I’ve found crest white strips AWESOME!!!I was really surprised as I entered my neighborhood bar when my buddy called out, “dude, did you whiten your teeth?! they’re freaking glowing!” that pretty much sums up how effective the strips are – and I was only on day 3!To be objective, my teeth hurt a little when I first put them on, the type of slight pain you feel when you have cavities. I guess this is what they mean by your teeth becoming sensitive. But the pain isn’t bad, and it went away after a few minutes. And also, I didn’t notice a HUGE difference myself, but there definitely was a change for the better. And I guess to an outside observer, the change was noticeable.In short, I think this stuff is awesome. I’ll definitely finish it, and probably do it again at the recommended time.
Thank’s 4 A Nice Read Do You Agree
Reading this made me think of a quote. was something like: “All life is an experiment. The more experiments you make the better.” Ralph Waldo Emmerson
Good post mate!! Keep ’em flowing!
Do you have any more info on this?
the fact is no one is trying to help the homeowner, its ok to screw them over for profits but when the screwing goes to far homeowners are hung out to dry, such an injustice
Nice Article! Keep us the good work!
Have you found Kim Kardashian’s sex tape yet?
IT is over at http://watchcelebsextapes.blogspot.com
She is perfection indeed.
Online shopping provides consumers with many benefits. Many people have discovered the advantages of online shopping and hence, prefer to use this mode of shopping to buy their goods. This explains why there is an increasing number of people using online shopping. At times, besides being able to obtain their goods faster through shopping online, they can get their goods at prices lower than those offered by physical retail stores.
Interesting post… Subscribed!!
anonymous free proxy find proxy
You made some good points there. I did a search on the topic and found most people will agree with your blog.
Great post!
One can find surely a lot of details just like that to take into mind. That´s a fantastic point to bring up. I offer you the thoughts above as general inspiration but clearly one can find questions just like the one you bring up where the most essential thing can be working in honest very good faith. I don´t know if top practices have emerged around things like that, but I am certain that your work is clearly identified as a fair game.
Is there anywhere competitors track down A-1 single mother welfare desires? To start off with, you have to understand the reason behind single mother loans in the first place.
Hi there I like your post
Wonderful insight
Hi i must say very nice blog.
More updates like this one in the future plz?
This has to be one of the best reviews i’ve read in a while. Thanks matty.
I feel like I’m constantly looking for interesting things to read about a variety of subjects, but I manage to include your blog among my reads every day because you have honest entries that I look forward to. Here’s hoping there’s a lot more great material coming!
Dude! I totally need to do this! I’ve been drinking too much sodaand my teeth show it.
I thought it was going to be some boring old post, but it really compensated for my time. I will post a link to this page on my blog. I am sure my visitors will find that very useful.
Just bookmarked your site, thanks for sharing!
Believe it not I had to scour through many sites befor finding this great post — regards
As energy prices sky rocket the prices of solar panels will only go up. This will hopefully prove that solar panels will be a great investment for anyone wanting to save some money or help the environment. Either way, solar panels really should be at the top of the “to do” list. Someone has recommended Solar Panels so I am really looking forward to getting them.
Howdy, I don’t agree with everything in this write-up, but you do make some very beneficial points. I’m very interested in this matter and I myself do alot of research as well. Either way it was a well thoughtout and nice read so I figured I would leave you a comment.
I read your site often and I just thought I’d say keep up the good work!
Awesome post<A href=”http://www.justsimple.com.au” SEO Melbourne Seo Melbourne
Hello may I reference some of the insight found in this entry if I reference you with a link back to your site?
Thanks for the information! My husband and I are looking for major changes and this website just might be the tipping point we needed!
Thank you very much, I did really like the response to my thread, and post replies have been really awesome. It could have never been better. Even hiring someone for this could have never met the experience all posters here have, thanks for saving dollars and adding really good information to this post to make things really easy and workable for us. Thanks again and great work.
Great read you should send me an rss to my email!
Great tips to follow. Being professional and showing them there’s more to come I think are the most important. You need to give them a great article, that makes them want to come back. And then make sure you don’t disappoint.
Great blog post, straight to point. BTW I cant find your RSS Feed.
Excellent job.
Just wanted to say you have a great site and thanks for posting!
Wonderful to read!
Hi there, I found your blog via Google while searching for first aid for a heart attack and your post looks very interesting for me.
I really enjoyed this post. I can tell you put in a great deal of effort and time into this post. I will be back to read more as you post more!
Every patient is a doctor after his cure.
Thank you for a great post
Yes, that is true, I agree with you, but I am not sure if there are no other options.
It is just exactly as you said.
Kann mich nicht erinnern, dass unsere Regierung schonmal in so einer ungl?cklichen Situation war. Was sie auch macht, scheint falsch zu sein.
Great Blog! I have a similar site, and get a lot of spam. Do you face such problems? Can you please recommend some steps I take to combat spam. Thanks.
I would like to thank you for the efforts you have made in composing this article. I am going for the same best work from you in the future as well. In fact your fanciful writing abilities has prompted me to start my own blog now. Actually the blogging is spreading its wings rapidly. Your write up is a fine example of it.
I have to say, I enjoy reading your post. Maybe you could let me know how I can subscribing with it ? Also just thought I would tell you I found this site through google.
I’ve really got to get my medication sorted out…
In casual conversation someone mentioned to me that prior to the Iraqi invasion, France and Germany had business interests in Iraq.
Pretty good post. I just stumbled upon your site and wanted to saythat I’ve really liked browsing your posts. Anyway I’ll be subscribing to your blog and I hope you write again soon!Here is my F1 racing website!
Great article post.Really looking forward to read more.
I’ve been visiting your blog for a while now and I always find a gem in your new posts. Thanks for sharing.
Keep the good information comming, we need more authors like you!
Very long time reader first comment. Hey I love what I’m reading overlooking your website and must say nice. I’ve got a little blog myself about this topic. I found your site through google I hope I purchase traffic as if your site soon. I guess . Well thanks for the good posts on health I’ve enjoyed. The comments really are a bit short I came across your blog through Google.
Pretty good post. I just stumbled upon your site and wanted to saythat I’ve really liked browsing your posts. Anyway I’ll be subscribing to your blog and I hope you write again soon! Here is my blog about F1 Race.
That is some inspirational stuff. Certainly not knew that opinions could be that varied. Thanks for all of the enthusiasm to provide you with such helpful information here.
I must say, I enjoy reading your blog. Maybe you could let me know how I could keeping up to date with it? By the way I found your site through Bing.
Howdy, You compose some superior blogs, I really like nearly all of your content pieces. I always check back here often to find out if you have modified. Carry on blogging!
Thanks dude, that is very helpful info, thankyou.
cheers lots, I have to announce that your website is amazing!
Thankyou, that’s very nice info, much appreciated.
Amazing, that’s extremely nice info, thankyou.
Thanks lots, I have found this extremely nice!
Great article, hey I found this story while searching for lyrics. Thanks for sharing I’ll email my friends about this too.
Very cool site! I hope you don’t mind that I referenced this on my blog but I gave you a link too. Thanks and look forward to more good material.
I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)
Hello! I just now read your content and We loved it. I was wondering if you’re going to develop additional articles to go along with this one?
Thank you for a great post
My boyfriend and I started taking these. He said he noticed a difference in weight after about a week. I have less fat to lose and I am now seeing a difference at about 3 weeks in. I am very happy with the product. I wouldn’t say I am less hungry than before, but for some reason the fat is leaving my stomach, and my energy lasts through my long days.
Hey, nice post, really well written. You should write more about this.
If you enjoyed this post you’ll probably like this site too: http://www.winfreegiftcardsonline.com . It is an awesome website for earning gift cards on the web.
I’ve been visiting your blog for a while now and I always find a gem in your new posts. Thanks for sharing.
Appreciate the recommendation! I?ll give it a try.
I really enjoyed this post, especially the “examples in this post” portion which made it really easy for me to SEE what you were talking about without even having to leave the article. Thanks
The new Marketing Secret Weapon makes $19,506.21 a Month in just 18 Clicks…http://tinyurl.com/making-money-in-15-minutes
In fact your creative writing abilities has inspired me to start my own BlogEngine blog now. Really the blogging is spreading its wings rapidly. Your write up is a fine example of it.
Awesome Post. I add this Post to my bookmarks.
Thanks for this post; now I know what side of the tracks I’m on lol
Thanks for the sharing really usefull. I would like to bookmark this site.
It’s good to see this information in your post, i was looking the same but there was not any proper resource, thanx now i have the link which i was looking for my research. . . . . .
One again, your articles is very good.thank you!very much.
I really like the way your blog is designed. I saw someone mentioned your site on myspace.
Really nice and impressive blog i found today.
Its very informative and interesting article.all the points are very useful. Simple but very effective writing. Thanks for sharing such a nice post.
When I use my search engine to look for blogs to read yours has come up several times on different categories. That just made me want to read it more, I can see why. It is excellent. Keep up the awesome work and I will continue reading.
I enjoyed reading your interesting yet very informative insights. I am looking forward to reading more of your most recent articles and blogs.
Thank you for a great post
I really don’t normally reply to posts but I am going to in this case. Make an impact on
Hi, I found your blog on msn. I’m pretty glad to have found your website because I think it is interesting! I will definitely come back! Great resource for myself. Ruth Sutters
I was wondering this myself, Great comment #3
Hi – I would like to say thank you for an interesting post about a subject I have had an interest in for a while now. I have been lurking and reading the comments avidly so just wanted to express my thanks for providing me with some very good reading material. I look forward to more, and taking a more proactive part in the discussions here, whilst learning too!!
HA! Nice content. Thank you for your information :-D
nice! I’ve been following this blog with regard to right now and I would say I am beginning to like your post. :D
nice! Thanks for posting! I really enjoyed the report. I’ve already bookmark this article. :-D
Captivating. May I add your blog to my link exchange directory?
I have been really seeking everywhere for the acknowledged gold selling plan though had tremendous hardship obtaining it. At some point I located the gold selling resource site which probably was everything I needed! .. Sell Gold
Hey could I use some of the insight found in this blog if I link back to you?
Well, I have been reading your blog posts daily and the reason I come on your blog frequently is its compelling content… Regards…
Wow! Thank you! I always wanted to write in my site something like that. Can I take part of your post to my blog?
If you don’t mind me asking I just wanted to get the scoop on what is the difference between blogenenigne and wordpress blogs? Is it easier to use or more efficient? I amseeing a lot of blogs powered by this software popping up lately and wondering if it is better or not? Thanks…
This is my first time i visit here. I found so many interesting stuff in your blog especially its discussion. From the tons of comments on your articles, I guess I am not the only one having all the enjoyment here! keep up the good work.
You really make it seem so easy with your presentation but I find this topic to be really something which I think I would never understand. It seems too complicated and very broad for me. I am looking forward for your next post, I will try to get the hang of it!
Finally a smart blogger…I love how you’re thinking and writing!
While this subject can be very touchy for most people, my opinion is that there has to be a middle or common ground that we all can find. I do appreciate that youve added relevant and intelligent commentary here though. Thank you!
Finally a smart blogger…I love how you’re thinking and writing!
Intimately, the post is in reality the freshest topic on this registry related issue. I concur with your conclusions and will eagerly look forward to your forthcoming updates. Saying thanks will not just be enough, for the wonderful clarity in your writing. I will immediately grab your rss feed to stay abreast of any updates.
Yeah, Howdy,I’m a long-time reader and also was too shy to create a comment. :-P
If you’re still on the fence: grab your favorite earphones, head down to a Best Buy and ask to plug them into a Zune then an iPod and see which one sounds better to you, and which interface makes you smile more. Then you’ll know which is right for you.
Great articles & Nice a site….
I can’t believe things like this still happen.
I stumbled over here from a different website and figured I might as well check things out. Like what I see so now I’m following you. Look forward to reading your some of your posts later on.
I completely agree with the above comment, the internet is with a doubt growing into the most important medium of communication across the globe and its due to sites like this that ideas are spreading so quickly.
Yeah, Yes,i also really like to visit new place,your idea is good. :)
Find the Best car donation charity,Donate Your Car to a Vehicle Donation Charity.
I was barest glad to put one’s finger on this site.I wanted to thank you an eye to this cyclopean presume from!! I unequivocally enjoying every little touch of it and I have you bookmarked to check escape creative things you post.
Wonderful to read!
Intimately, the post is in reality the freshest topic on this registry related issue. I concur with your conclusions and will eagerly look forward to your forthcoming updates. Saying thanks will not just be enough, for the wonderful clarity in your writing. I will immediately grab your rss feed to stay abreast of any updates.
found it on google. nice. ill come back to visit.
Great info! I’ve been looking for something like this for a while now. Thanks!
found it on google. nice. ill come back to visit.
Hey, Thanks for the great information really enjoyed the read ! ;-)
Are lightweight/racing running runners & spikes not a awesome idea for long-term usage?
Hi there, I find that your case is rather great as it comes with lots of accurate information. On the other hand, was overcurious whether you would willing to interchange links with my web space, as I am searching to generate more web links to further broaden and gain ground for my site. I do not mind you stationing my web links at the home page, just getting this links on this particular page is great and adequate. Furthermore, would you please leave a message at my web portal if you are interested in swapping links, I would really like that. Thanks and I hope to hear from you shortly!
Nice Site. You should think more about RSS Feeds as a traffic source. They bring me a good bit of traffic.
Damn, very nice website. I actually came across this on Yahoo, and I am stoked I did. I will definately be revisiting here more often. Wish I could add to the post and bring a bit more to the table, but am just absorbing as much info as I can at the moment.
Thank You
watch movies online for free
Hello webmaster I like your post ….
Owner manuals have always been freely available from bookshops and dealerships, as well as on the Internet, but the major problem has been that they tend to be pretty expensive. A new site that permits you to download them free of charge, however, means that you really don’t need to worry about the cost (which can often be as much as it costs to get a fault repaired, depending on the car you have). Bentley Service Manual
In fact your creative writing abilities has inspired me to start my own BlogEngine blog now. it’s about http://incentaclick.co.uk/ Really the blogging is spreading its wings rapidly. Your write up is a fine example of it.
I couldn t agree more!
Did you hear what Obama said about this?
Thanks for this post, I am considering talking about the same in my blog.
Will this stop snoring all together?
Couldn’t be written any better. Reading this post reminds me of my old room mate! He always kept talking about this. I will forward this article to him. Pretty sure he will have a good read. Thanks for sharing!
Thank you for your article.Thanks Again.
Thank you for your share, It is very useful for me!
Great post!
Hi there, I found your blog via Google while searching for first aid for a heart attack and your post looks very interesting for me.
Hello,nice article,thanks for your share! and I wonder if i can quote this text in my website in case I place a link back to yours? Waiting for your comment!
thanks !! very helpful post!
Extremely Fine see. Offers Gives thanks for this.
Nice post. have you heard about the new ipad jailbreak? random but I was just thinking about it.
Goldman Sachs sold 44% of its BP holdings on March 31st, 20 days before the Deepwater Horizon oil rig exploded in the Gulf of Mexico. Lucky move. Click on my name to see the financial report from MSN.
Hey Boss – its a nice blog, just looking around some blogs, seems a pretty nice platform you are using. I’m currently using WordPress for a few of my sites but looking to change one of them over to a platform similar to yours as a trial run. Anything in particular you would recommend me about it?
Hi Everyone, nice web log and article. You may be interested in heading to the United Kingdom with the Tier 1 Visa for highy competent individuals.
Wonderful to read!
Thank you for a great post
Is this WP theme free or premium? nice blog btw!
I believe you might like what I came across on this internet site today.
Cheers lots, I’ve found this article extremely useful!
Beginning a site relevant to yours led me to start some research and I found your post to be quite useful. My site is centered around the idea that you can starve cancer by countering the angiogenic process. I wish you good luck with your writing in the future and I’ll definitely keep an eye on you.
Well, I am quite interest in your site. If I using this website, I can earn 100-200 USD daily. I can cooperate with you on the condition that you share 50% revenue with me. If you are interested,please email for me. :-P
I think we also deserve this . good point!
New York City is one of the top places to visit in the US. You should definitely travel in a New York limo in style.
Wow! That’s a lot of helpful information! If only I had the time to read ALL of them.
Hi,just found your Post when i google something and wonder what hosting do you use for your blog,the speed is more faster than my blog, i really need it.will back to check it out,i appreciate it!get the best student loans
Spitze Design hat dieser Blog. Woher hast du die Vorlage ? War bestimmt sehr teuer.
Heya¡my very first comment on your site. ,I have been reading your blog for a while and thought I would completely pop in and drop a friendly note. . It is great stuff indeed. I also wanted to ask..is there a way to subscribe to your site via email?
The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.get the best student loans
Excellent job.
Grant Jasmine
Great article, i hope can know much information About it.
Can I ask you something, can someone help me to invest 10’000.- UK£?
Alrightythen I looked for the Danielle Staub sex video tape for a couple hours last night.
If you’re interested, they have over on http://watchcelebsextapes.com
Hey could I use some of the insight found in this post if I reference you with a link back to your site?
Where can I find “shows” to sell my outdoor furniture in NY? I make outdoor wood furniture, and I have heard that there are furniture shows or craft shows where I can sell the furniture. Where can I find these shows?
pretty useful information, men , congratulations, if you want i have some related topics on my web page, my url is linked to my page.
i like your blog and article.thanks and bookmark it
Google led me to this blog post, and it is absolutely what I was looking for.
Hmmm I searched for the Danielle Staub sex tape for ages over the weekend. If you want to see it, they have over at http://watchcelebsextapes.com
Howdy, your site is on air in the radio! Good job mate. Your posts are truly great and bookmarked. Regards
Heya¡my very first comment on your site. ,I have been reading your blog for a while and thought I would completely pop in and drop a friendly note. . It is great stuff indeed. I also wanted to ask..is there a way to subscribe to your site via email?
Wow! what an idea ! What a concept ! Beautiful .. Amazing …
Great blog you have, the articles here are very helpful. Thank you! :D
Great blog you have, the posts here are very helpful. Thank you! :D
Being a complete newbie, all I can say is thanks for sharing this.
Hey, I searched for this blog on Bing and just wanted to say thanks for the excellent read. I would have to agree with it, thank you again!
Final Step: Youtube
Goto a URL shortening service like
4. Buy YTCrackers Owntube program to automate all of this and make loot
For example, Jains wear unstitched cloth pieces when performing religious ceremonies. The unstitched cloth signifies unified and complete devotion to the task at hand, with no digression.[citation needed] Sikhs wear a turban as it is a part of their religion.
Beginning a site kind of similar to yours led me to do some research and I found your post to be very helpful. My site is centered around the idea that you can starve cancer by stopping the angiogenic process. I hope of you good luck with your research in the future and you can be sure I’ll be following it.
Great blog. I like the way you have it laid out. How can I subscribe to RSS? Thanks.
I like your post & I will always be coming frequently to read more of your post. Thank you very much for your post once more.
Very interesting… as always! Cheers from Switzerland.
Tell me, what’s the best strategy to increase earnings from the new value of the Chineese currency?
Hi¡I saw this really great post today¡.apply for student loans
nice movie this is i am watch movie online for free or download hollywood movies
Many thanks for the informative post
Severely?? This web site rocks. Kudos once more for publishing such wonderful written content.
Hi there may I use some of the information here in this post if I provide a link back to your site?
Many thanks for the informative post
Your website is actually indicating complications on my FF 3 web browser.
I thought it was going to be some boring old site, but I’m glad I visited. I will post a link to this page on my blog. I am sure my visitors will find that very useful.
Thanks for the share! I have a question a little off topic. I wanted to start a blog to share my experiences as well as work, but didn’t want it to be too salesy. Do you find your style works best with just sharing?
Hi there may I use some of the information here in this post if I provide a link back to your site?
Owner manuals have always been freely available from bookshops and dealerships, as well as on the Internet, but the major problem has been that they tend to be pretty expensive. A new site that permits you to download them free of charge, however, means that you really don’t need to worry about the cost (which can often be as much as it costs to get a fault repaired, depending on the car you have). Nissan Service Manual
Seems like a superb blog website. I can see the fact that all people have took part. Many thanks. This particular content is so valuable in addition to simple. I am going to be using this so that you can submit all my websites. Love the overview plus links to web site also.
Half a loaf is better than no bread
Wow! Thank you! I always wanted to write in my site something like that. Can I take part of your post to my blog?