Age Unrestricted Communities

From USA Today:

In N.J. community, age less of issue these days

Elazer and Barbara Lew were the first to move in to Pine River Village in Lakewood, N.J., a development for people ages 55 and older.

“I liked the idea of moving to an adult community, with all the services and amenities,” says Barbara, 63, who works at a nearby school for children with special needs. “I liked the idea of having people our own age to socialize with.”

That was three years ago — just before the housing market crashed and the recession hit. Suddenly, older buyers who had wanted to enjoy the amenities that age-restricted communities offer couldn’t sell their homes. On top of that, their retirement funds were taking a beating as stock prices plummeted. Some who had planned to retire and move decided to stay put and keep working.

About 20 Pine River Village homes had sold when the developer approached the homeowners with a proposal: agree to lift the age restriction on housing built on half of the development.

New Jersey, which has a 16-year supply of age-restricted housing, is at the forefront of this movement. The state’s towns and counties welcomed no-kids housing with gusto because the developments created revenue without putting a strain on local school budgets.

“They used that tool too often — to excess,” says Robert Lang, urban sociologist at the University of Nevada-Las Vegas. “It was overstocked because it was easy to get approved.”

Ralph Zucker, whose company is building Pine River and Somerset Walk, said many developers “pushed back on regular development because it was a lot easier to do age-restricted communities. … Now, we see an active market for non-restricted housing.”

Last year, New Jersey passed a law that allows developers to ask municipalities to do away with age limits on projects that have already been approved. More affordable housing would be built in return.

From the APP:

Developers struggling to fill 55+ communities

An increasing number of developers struggling to find older residents for their 55-plus housing communities have relaxed the age restrictions to attract younger home buyers.

The housing collapse and recession hurt sales in active adult communities, which in the past 10 years had multiplied as the first wave of 79 million Baby Boomers entered retirement. The real estate boom allowed retirees to make big bucks on their old homes and pay cash for smaller houses.

“The 50-plus buyer has had a double whammy in the last couple of years,” says Brian Gentry, president of Landed Gentry Homes and Communities, based in Burlington, Wash. “They lost the ability to turn their house into cash, and a lot of them have taken a pretty big hit in their portfolios.”

His company found more success with multigenerational developments, he says. They built enclaves for younger adults in a Mount Vernon development initially aimed at older buyers.

Somerset Development was building 173 homes for older adults at Pine River Village in Lakewood, N.J., when the market tanked.

“We started right as the market was cooling off, sold about 20 homes and the market just died,” says Ralph Zucker, Somerset president.

He went to the 26 residents at the time for approval and then to Lakewood Township officials for a zoning change. Now, about half of the homes will be for all ages in a separate development.

This entry was posted in Economics, New Jersey Real Estate. Bookmark the permalink.

441 Responses to Age Unrestricted Communities

  1. jamil says:

    we are all marxists now, yeah

  2. grim says:

    From the Record:

    Woman charged in $4.7M mortgage scam

    A former Ridgewood resident has been charged in an alleged mortgage scam involving a dozen Paterson properties.

    Three of the properties were bought from Cranberry Associates LLC, a company partly owned by Hackensack Police Chief Ken Zisa that built two-family homes on lots it acquired from the city. The chief said his company only sold the properties and did nothing wrong. Neither Zisa, his partners nor Cranberry are mentioned in the criminal complaint, and none of them has been charged with any wrongdoing.

    Taya Waldon, 34, is accused in the complaint of working with her mother and a Hackensack title agency to buy the properties, then quickly sell them at much higher prices as part of a “down payment assistance scheme.”

    The scheme, carried out from December 2007 to June 2008, included 13 fraudulent loans totaling more than $4.7 million, according to the complaint.

    Waldon would fill out applications for the buyers, and falsely indicate that they were making a down payment, which allowed the buyers to qualify for a loan sufficient to cover the stated purchase price, the complaint states. In fact, the buyers believed they were receiving no-money-down loans, according to the complaint. The down payments came from the proceeds of the loan.

  3. Jim says:

    Must be a mistake. Hard to believe something like that could happen in Paterson. Also difficult to believe a former Ridgewood resident would do anything illegal like that. They live so close to New York. I’m sure she is looking forward to her day in court.

  4. bullrun says:

    Health reform and you: A new guide
    Who pays? Who benefits? And what about those in between?

  5. leftwing says:

    Let’s go, baby!!!

    Now that this pig of a bill is moving forward and they put one through the uprights, let’s regroup for the second quarter. Wed haven’t even hit halftime in this game yet.

    Supreme challenge on mandatory purchase – absolutely. Gives a whole new forum for the Lecturer-in-Chief to disgruntle more Americans.

    State constitutional challenge – can’t wait. The flyover voters just loooovvve being told what to do by the Feds.

    Union plan exemption – OMG, were they stupid enough to leave this component in? Just look at all the animosity the fat man has stirred up locally re: deficits and civil servants. Wait until voters hear unions are exempt from what has been sold to the voters as something good and necessary.

    Bribes – making sausage is never pretty. Anyone know what other special interests deals were cut, particularly for states? Funny, people have this concept of equity and even if they accept sopme of the basic tenets of the plan, they really don’t like when they bear a burden and others skate through (see unions above). More animosity.

    Remember people, the details are on our side. They are ugly and as/when they come out each one is a win for us and damage to them.

    The canoodled, begged, borrowed, stole, bribed, and finally passed this monstrosity, and now we’re going to make them own it.

    Every day, every detail.

    Mark my words. The triumph you’ll see over the next few days will be their high water mark. It’s all downhill from there.

    See you in November.

  6. Final Doom says:

    My son is 12 years old and in 6th grade. He wants to be a doctor.

    He also already knows (from Google, natch) that the only real money in medicine is made in the specialties.

    Helluva thing to have your kid tell you as you put him to bed.

  7. leftwing says:


    I’m sure he’s picking up some not-so-subtle messages from dad :)

    Which is OK. My kids have already thoroughly learned basic word associations. Such as when one says ‘liberal’ my kids automatic response is ‘someone who wants to take your money and control your life’.

    No kidding.

  8. steve says:

    RIP USA!

  9. Mr Hyde says:

    Cobbler 280 (from last night)

    why do i have an issue with the healthcare bill?

    In 10 years the budget components comprised of interest expense and social security and medicare payments will exceed the entire current budget. In other words, interest, social security and medicare payments will easily exceed 20% of GDP by 2020. This leaves what for the rest? No healthcare for the poor anymore under medicaid. No student loan support. No bridges and highways. No support for air traffic control. No federal support for public schools. Defense will still be there, but with just the basics, the federal budget will easily top 25% of GDP, and if even a skeletal discretionary budget remains, it will likely approach 30% of GDP.

    We cannot afford what he have much less a more expensive version.

    None of this is a surprise. What we see today and tomorrow is simply the current climactic chapter of a story begun in the early 80’s. We have been on the course to financial suicide for 20 years.

  10. Final Doom says:

    left (7)-

    That is a good thing. My kids associate liberal with mental disorder.

    I would actually accept a liberal regime right now. What we really have is pure fascism.

  11. Mikeinwaiting says:

    Well they got it through. The road to oblivion on the fast track.

  12. Jim says:

    Anyone know what time the next flight out of Newark is for Mexico City? Oh well, I guess I’ll stay. The gap has closed enough where it is hard to tell if you are in Mexico or the US anymore.

  13. Mikeinwaiting says:

    Jim went down to Mom’s house in Hudson county yesterday, you ain’t kidding.

  14. Mr Hyde says:

    Anyone who has a hardon for the healthcare bill is being short sighted. The cost of existing obligations alone will devastate the federal budget over the next 10 years. If the healthcare bill stands up to virtually guaranteed challenges, then it only exaccerbate the issue.

    The issue that we have to look ahead more then 6 months and stop playing the “someone will figure out how to pay for it” game.

  15. Mr Hyde says:

    Jim, Mike

    But the new healthcare bill and Obama’s promised amnesty will fix that!

    /sarcasm off

  16. Confused in NJ says:

    I think the Logans Run part of Obamacare is unfair. Shouldn’t only be the Private Sector that get’s terminated at age 65, should be Public Sector too.

  17. njescapee says:

    15, Where were you guys when Pat Buchanan ran in 2000?

  18. Mr Hyde says:


    I here that soilent green has a low carbon foot print and that they may actually issue carbon credits for those who utilize soilent green.

  19. safeashouses says:

    #2 grim

    “Three of the properties were bought from Cranberry Associates LLC, a company partly owned by Hackensack Police Chief Ken Zisa that built two-family homes on lots it acquired from the city.”

    Shouldn’t this type of deal be illegal? High ranking gov employee buying city owned land. Even if his company paid full market value, this just screams potential for corruption from buying city land at less than market value to a buddy in another dept approving all the building plans.

  20. All "H-Train" Hype says:

    Viva la USA!!!!

    Nobody can drive themselves into oblivion like the good old USA!

  21. safeashouses says:

    #5 leftwing,

    If union members are exempt, everyone should join a union.

  22. John says:

    Tell you son malpractice is 175K for a speciality.

    But at least doctors make over 250K so they can also be taxed into obvilion like the rest of us, but at least the money goes right back into their money grubbing pockets

  23. Dissident HEHEHE says:

    How are they going to pay for this thing again? Is that explained in the bill?

  24. Dissident HEHEHE says:

    Speaksing of which:

    Obama Pays More Than Buffett as U.S. Risks AAA Rating (Update2)

  25. Mikrinwaiting says:

    HEHEHE 23 Hope & fairy dust don’t you know. Yes it is explained sort of & it don’t float.

  26. frank says:

    More money for Frank….. thanks for your money.

    Garden State Will up Hedge Fund Exposure

  27. Cindy says:

    You can zoom in and out to check on the voting in your area.

  28. John says:

    I guess banks really do charge minorities a higher interest rate on loans.

    Dissident HEHEHE says:
    March 22, 2010 at 8:33 am
    Speaksing of which:

    Obama Pays More Than Buffett as U.S. Risks AAA Rating (Update2)

  29. Essex says:

    Why don’t we do the same with education, police, roads and fire services? Let the free market determine who gets services and who doesn’t. Let’s go back to the 19th century.

    After all if the free market can do it better why have “socialist” government solutions for anything. Why should the government have a monopoly on the military when corporate militias run for profit could be so much more efficient? Why should I be forced to pay taxes for your police protection? If you want protection you pay for as much as you can afford. Let’s make it every man for himself and let the market sort out who survives.

  30. Mikrinwaiting says:

    Essex 29 OK

  31. safeashouses says:

    Has anyone heard if you put a zero on your NJ tax return or buying goods and services out of state you will get audited and pay over 1k in fees and fines?

  32. Final Doom says:


    Ducks In A Row

    -Speculators are betting massively against treasuries.

    -Speculators are betting massively on equities.

    -Mutual fund cash levels are at or near record lows.

    -The Fed is starting to withdraw stimulus and wind down its lending facilities.

    -Congress is reluctant to increase fiscal stimulus.

    On the jobs front, meaningless census hiring will likely get all the economists all excited about the nascent recovery. Yet the census jobs are temporary and will be gone by July.
    The above chart suggests a seasonal reversion to the mean in unemployment just in time for the mid-term elections. Those elections are guaranteed to bring about a much more conservative Congress.

    The ducks are all in a row now for an economic downturn. Expect economists to be surprised. Don’t you be.

  33. chicagofinance says:

    Is that a song by Quiet Riot?

    1.jamil says:
    March 22, 2010 at 6:09 am
    we are all marxists now, yeah

  34. Final Doom says:


    March 20 (Bloomberg) — Republican Senator Orrin Hatch said Democrats in the U.S. House of Representatives are “nuts” to think tomorrow’s vote on health-care legislation will resolve the issue.

    If the measure passes, Senate Republicans have enough votes on at least two points of order to alter the measure and send it back to the House for a second round of votes, Hatch said in an interview on Bloomberg Television’s “Political Capital with Al Hunt,” airing this weekend.

    “If those people think they’re only going to vote on this once, they’re nuts,” Hatch said as House Democratic leaders rounded up support before the scheduled vote on President Barack Obama’s top domestic priority.

    The senator from Utah also said the approach Democrats are using to pass the legislation in the House may be unconstitutional because the House and Senate aren’t voting on “exactly the same language.”

  35. Justin says:

    Hey All,

    I want to get your opinion on this house. A friend of mine has put it on the market.

    3 bed, 2 bath in Hasbrouck Heights for 449k.

  36. Final Doom says:

    chi (33)-

    For the first time in my life, your damn school did me some good yesterday. ;)

    Gotta take the points vs Kentucky. They covered the number earlier this year vs. Kansas.

  37. Final Doom says:

    Justin (35)-

    I’d aim the cruise missile at the garage door. Should take down the whole place in a jiffy.

  38. Dissident HEHEHE says:

    I hope Cornell kills them. As a friend of mine put it “There’s basketball coaches that know that their players might be cheating on tests/papers to be eligible in college and then there’s coaches like Calipari who will drive the kids to the homes of the dudes who are going to take the tests and write the papers for them.”

  39. safeashouses says:

    #35 Justin,

    The driveway, garage door and wall are a distraction to put it mildly. The rest of the house seems decent to nice.

  40. John says:

    Chifi, just did my income taxes and I never saw so much market income in my life!!! Starting today I am selling every market discount bond I have over one year and the rest of year as soon as they hit one year. I may need cash in one or two years oh Chi-b-school boy I need to find a place to park in safety. Easy money over any recommendations.

    Worst was genworth bond I had with an early 2011 maturity I bought at 35. Holy Market Discount Income. I think I just funded healthcare plan.

    chicagofinance says:
    March 22, 2010 at 9:21 am
    Is that a song by Quiet Riot?

    1.jamil says:
    March 22, 2010 at 6:09 am
    we are all marxists now, yeah

  41. Juice Box says:

    John don’t forget to save some losses for 2012 for when the new 3.8% Medicare tax on investment investment income hits for families earning over 250k and single over 200k.

    The first wave of many new taxes to come. When all is said and done I expect at to be paying at least 10% more in gross taxes by 2013 once you add in the muni, state and other fees that will be increased.

  42. Jim says:

    I expect we are going to see some ‘user fees’ rather than taxes in many cases. That way come election time these smucks in Washington can say they didn’t raise taxes.

  43. Yikes says:

    Final Doom says:
    March 22, 2010 at 9:24 am

    Justin (35)-

    I’d aim the cruise missile at the garage door. Should take down the whole place in a jiffy.

    Clot, never leave this place, please

  44. Final Doom says:

    yikes (43)-

    Don’t worry. No one else will have me.

  45. John says:

    I wish I could. But I have a low tolerances for losses. I cut bait early so I am always 99% winners. I follow a strict investment strategy. In every portfolio there are 50% winners and 50% losers, my strategy is to sell losers and buy winners. It is called 100% winners!!

    That is total bs that medicare tax on investment income.

    Juice Box says:
    March 22, 2010 at 9:54 am
    John don’t forget to save some losses for 2012 for when the new 3.8% Medicare tax on investment investment income hits for families earning over 250k and single over 200k.

    The first wave of many new taxes to come. When all is said and done I expect at to be paying at least 10% more in gross taxes by 2013 once you add in the muni, state and other fees that will be increased.

  46. Comrade Nom Deplume says:

    Well, the Change has started. I can only “Hope” it doesn’t bring down the system.

    The bill is finally law. A lot of the real tax damage to the HENRY’s was put off until after the presidential election so it presumably won’t be felt by then.

    Still, there is a lot that is coming down the pike at everyone, especially those who wanted hope and change (who are in for some rude surprises, IMHO).

    This law has a lot of unintended consequences, and has attempted to modify behavior, but there will be some things everyone can expect that no one in MSM is addressing. For example, this bill puts a lot of new requirements on the insurance industry, which doesn’t work for free. They will say, you want this coverage, you pay for it, we are not a charity (and there is no meaningful competition for years). So virtually everyone with employer-sponsored health care can expect premium increases, higher co-pays, and lower percentages for coverage. There are some ameliorative measures in the bill, but I expect it to be largely irrelevant to most readers here (for reasons I won’t get into now, most of the goodies are not available to a large percentage of NJ residents).

    As for the particulars for employers, participants, and those whose taxes will get whacked, I expect a lot of questions. There is no way I can handle them or do them justice here and now.

    So I propose to have a GTG sometime in the late spring to discuss the new law (and the new HIRE Act), how it will affect certain groups, and how best to avoid the unwelcome impact that this will have in terms of taxes and health care costs. By then, I should be well-versed on the law, the intended and unintended consequences, and the techniques on how to best game the system (and keep plg out of our pockets).

    So please hold all questions until then.

  47. chicagofinance says:

    nom: are you going to publish a summary? I will forward it to my distribution list with your name; either with or without your employer…your choice….

  48. chicagofinance says:

    One of your wittiest ever…..August 1st looms….

    John says:
    March 22, 2010 at 9:03 am
    I guess banks really do charge minorities a higher interest rate on loans.

  49. chicagofinance says:

    It shocks me how much they can score….

    inal Doom says:
    March 22, 2010 at 9:23 am

    chi (33)-

    For the first time in my life, your damn school did me some good yesterday. ;)

    Gotta take the points vs Kentucky. They covered the number earlier this year vs. Kansas.

  50. chicagofinance says:

    A good number of the Cornell team are in my undergraduate major. I have been a teaching assistant in some of those courses. Personally, I have no idea how these guys can juggle the sports and school. I’ve graded papers of the hockey team guys 20 years ago when they were mid-season. The grades weren’t good, but they certainly were passing, and it was a time issue. If they knew the concept, they answered correctly, they just had big swaths of empty on the tests.

    Dissident HEHEHE says:
    March 22, 2010 at 9:29 am
    I hope Cornell kills them. As a friend of mine put it “There’s basketball coaches that know that their players might be cheating on tests/papers to be eligible in college and then there’s coaches like Calipari who will drive the kids to the homes of the dudes who are going to take the tests and write the papers for them.”

  51. Rock Chalk says:

    Rock chalk Jayhawk, oops we lost.

  52. Shore Guy says:

    Maybe 15 years ago, I recall Princeton as having a couple decent performances in the NCAAs.

  53. Comrade Nom Deplume says:


    Calipari gamed the system, to be sure, but look at Maryland, which is a farm team. On average, only one MD player from the entire team graduates.

    Whenever I meet a Terp, I tell them that I will speak slowly and use small words.

  54. Comrade Nom Deplume says:

    [47] chifi

    Don’t know if I will be publishing a client alert on this. Certainly not on all of it, but will loop you in on the dist. list.

    As for Cornell, *&%$#@$, I had Wisc. in that game. Thanks for nothing!

  55. Shore Guy says:

    Nom, as the song goes:

    Go home, Wisconsin
    Go home, Wisconsin
    Cornell whipped your tail

    You thought you had it
    Over the Ivy’s
    But, oy boy, how you failed

  56. Shore Guy says:


    Who names their team for an overgrown rodent?

  57. Didn't Go to Cornell says:

    Chi-Fi, Did you noticed that Kentucky vs. Cornell has a nickname already?

    The Ballers vs. the Booksworms

    Are you making the trip to Syracuse?

  58. Yikes says:

    Obama’s pimp hand is strong. He just punked the republicans.

    Everyone was led to believe this reform had no shot, wasn’t going to happen … and then he pulled it off.


    (don’t know enough about the bill to care either way – although I’m sure at some point i will)

  59. Mr Hyde says:

    I love all the claims of the “right” to healthcare, or the “right” to a job.

    Nothing that must be provided by someone else can possibly be a “right”, unless you also embrace the concept of slavery or at least two classes of people.

    Are we codifying official classes of individuals now?

  60. Jim says:

    This whole mess reminds me of something called NAFTA. It was going to create jobs in the US, etc. The giant sucking sound did indeed happen and NAFTA caused further jobs to leave the US. I’m sure there will also be unintended consequences of this health care bill too. One thing will be the cost. There were a lot of assumptions made and this thing is going to ballon in cost.

  61. Fabius Maximus says:

    #46 Nom

    I’m up for the discussion, but I fear I may have to travel under a “flag of truce”.

    Next up, expiration of the Bush Tax Cuts. Lets see if the GOP can stand where it sh1ts on that one. GWB borroed 1.8T from 300Million to give it to 3 Million. That was the true redistribution of wealth.

  62. Mr Hyde says:

    Another question. if healthcare is my “right” as an American, how can the government deny any procedure or treatment that will prolong my life or improve my quality of life?

  63. Mr Hyde says:

    Jim 60,

    if you want to see what happens, just look at the Mass example as a test case. By all accounts Massachusetts’s little experiment in mandated healthcare is currently bankrupting the state.

  64. Mr Hyde says:


    What takes precedent in the states that are passing legislation to counter the healthcare requirements? The state of the Feds?

  65. veto that says:

    Hope you guys dont mind if i interupt Sports Center with a quick antecdote about real estate.

    A new listing just hit the market. Small 3bed/1bth – 50 yrs old.
    Nothing to get excited about.

    Except the price.

    Asking $80K below recent closed comps.

    For my town, this is the equivalent of lacing the entire spring selling season with tnt and then driving an oil tanker into it at 90 mph.

    im now armed with two solid comp killers. Life is good.

    carry on.

  66. still_looking aka Tan-Less says:

    Wow. I should never drink chocolate martinis!

    For a minute there I thought they actually passed that scourge known as the health care reform act…







  67. Fabius Maximus says:

    #60 Jim

    Thank GWHB for that one.

  68. veto that says:

    “Obama’s pimp hand is strong.”

    Well, yes he does walk with a slight limp.

  69. Mr Hyde says:


    Re comps… Jam it down their throats!

  70. NJGator says:

    sl 66 – Drink another one. They help you forget.

  71. Anon E. Moose says:

    Frum writes that this will all blow over by Nov. because economy will be recovering by then.

    [Me] Unless of course business continue to defer growth and new hiring for fear of the increased burdens, unemployment goes north and Obama and the Democrats get full credit (blame) for the second leg down of the Awesome Depression (because the first one was great, but this one is AWESOME).

  72. Dissident HEHEHE says:

    “Frum writes that this will all blow over by Nov. because economy will be recovering by then.”

    The mere fact he wrote the above qualifies him as an absolute moron who is to be ignored.

  73. Comrade Nom Deplume says:

    [66] still,

    Since you will be a de facto government employee in the future, see if you can get that pension.

    Oh, and qualified immunity.

  74. newbie says:

    Update. 27 Buena Vista ln, Edison. Rumor has it that it is UC. List price $769,900. UC at $720,000. Somebody, i chatted with said, they bid for $730 but couldn’t close in april. Interesting that the jokers are interested at that price range.

  75. sas says:

    you better start saving cash for when you get sick or need a surgery.

    and, don’t be surprised if you wake up one day in a cold bath tub of ice.

    Health information (HLA matching), you better hope no one ever knows, unless its a real/true back against the wall situation.

    and if you are in prison, ha..ha..ha.


  76. sas says:

    there is a reason they want health records digital.


  77. Comrade Nom Deplume says:

    [61] fabius

    Only in PA. There, I can be armed.

    Besides, I thought you were going to be one of the net beneficiaries of this legislation?

    Not there to report us to the Stasi, are you?

  78. sas says:

    “Obamacare: Names to Remember Come November”

    Democrats – Adler, N; Andrews, Y; Holt, Y; Pallone, Y; Pascrell, Y; Payne, Y; Rothman, Y; Sires, Y.

    Republicans – Frelinghuysen, N; Garrett, N; Lance, N; LoBiondo, N; Smith, N

    Democrats – Ackerman, Y; Arcuri, N; Bishop, Y; Clarke, Y; Crowley, Y; Engel, Y; Hall, Y; Higgins, Y; Hinchey, Y; Israel, Y; Lowey, Y; Maffei, Y; Maloney, Y; McCarthy, Y; McMahon, N; Meeks, Y; Murphy, Y; Nadler, Y; Owens, Y; Rangel, Y; Serrano, Y; Slaughter, Y; Tonko, Y; Towns, Y; Velazquez, Y; Weiner, Y.

    Republicans – King, N; Lee, N.

  79. SG says:

    Greenspan on the crisis

    The net annual increase in US total mortgage debt (TMD) averaged US$265 billion during the decade of the nineties. Implementing its post-tech bubble reflation, the Federal Reserve continued to aggressively slash interest rates late into 2002. This was despite a rapid acceleration in mortgage debt growth.

    TMD expanded a record $901 billion in 2002, a heady 12.1% pace. The Fed cut rates from 1.25% to 1% one final time for that cycle in June 2003. Not surprisingly, already hot mortgage finance turned white-hot. TMD expanded a record $1.004 trillion in 2003 (12.0%), boosting six-year growth to 83% (and almost four-times the annual rate from the nineties!). It should have been clear to the Fed by 2003 that it was dealing with a major financial bubble. It was apparently at the time focused on deflationary risks.

    TMD growth accelerated further during 2004, increasing $1.263 trillion (13.5%). Fed funds were finally adjusted 25 basis points (bps) higher at mid-year, yet ended 2004 at only 2.25%. TMD growth surged further into uncharted territory, increasing $1.439 trillion in 2005. By mid-year, rates had been raised to 3.25% before ending the year at 4.25%. Home prices around much of the country were inflating at double-digit rates. Baby-step rate increases continued throughout 2006. By year-end, fed funds were at 5.25%, with 2006 TMD growth of another $1.40 trillion. By the end of 2007, TMD had doubled in only six years and was up 185% over 10 years.

  80. still_looking aka Tan-Less says:


    Gator, thanks… I’m still on coffee at present.

    Nom, they should just capitate every ER (and doc) and yes, ensure us pensions (no SS as we know where that’s headed.)

    Doom, I’m ready to go back and see if I can get into a nice subspecialty –

    ONE. count ’em ONE politician- just one even dared to mention “tort reform.”

    Until then, I will be testing, ordering and documenting front, back, up, down and sideways… at whatever that costs.


  81. still_looking aka Tan-Less says:

    italics off

  82. WTF says:


    As an ER doc, I’m curious what you would like to see in tort reform?

  83. Final Doom says:

    sas (78)-

    Names to remember when it comes time to vote with a bullet.

  84. still_looking aka Tan-Less says:

    SAS, 78

    It doesn’t matter. Those that voted “yes” — only Adler voted NO — are in areas of NJ that are dominated by parasites.

    They will *never* vote out their enabling congress critter… Only areas of mixed/closed to mixed populations have a hope.

    And then, when they attempt to “amnesty” yet more parasites and house them in areas to help stack the vote against productive “No” voting politicians… doom will ensue

    Reference: Atlas Shrugged. — when the tit sucking leeches outnumber the productive… game is over.


  85. John says:

    ChiFI are you jumping in on the IPO?

    PRIMERICA, INC Initial Public Offering 03/31/2010 $12.00-$14.00 03/22/2010 – 03/30/2010 SELLING_SHAREHOLDERS 18,000,000 shares FINANCIALS – INSURANCE CITI Participate

  86. serenity now says:

    Obama said healthcare reform was his biggest target,
    now that he has accomplished that, is there any chance of getting
    him to step down before he does us any more favors??

  87. Final Doom says:

    sl (84)-

    We reached the tipping point several years ago. Now, the general population is starting to figure it out.

    Between gubmint bureaucrat leeches and the parasites, we are way outnumbered. The only way sane people ever get control of the country again will be at gunpoint.

  88. Final Doom says:

    sn (86)-

    His real goal is to turn the motivated and the productive into complete slaves. I’d say he’s doing pretty well so far, so there’s little chance he will stop now.

  89. still_looking aka Tan-Less says:


    Let’s start with throwing out the frivolous lawsuits. Yes, people sue. Usually they have NO case. But they are angry at a doc/hospital/clinic and this is their avenue of revenge.

    Even a NO BASIS case where NO malpractice is committed — JUST being NAMED in a case affects your premiums and then shows up on the “public – who has been sued” website… even if you are CLEARED of wrongdoing.

    You think I take care of one or two mentally ill patients daily?? HAH! Come visit my workplace some time.

    Lets start with throwing out frivolous cases where some nut feels like “getting back” at that mean/uncooperative/non narcotic prescribing/unwilling cede to some crazy patient’s desires/told you the truth type of doc.


  90. Mr Hyde says:

    SL 84

    sometimes you have to wonder if they arent TRYING to instigate a civil war.

    It would be particularly nasty as the situation would lend itself to devolving along the lines of skin color.

  91. Final Doom says:

    Boy, are these gubmint leeches gonna be surprised when I let my office building go, take everything I do underground and completely drop out of the gubmint tax/slavery system.

    I envision filing short form 1040s with about 12K/year income reported.

  92. still_looking aka Tan-Less says:

    and I forgot to ask, WTF,

    What do you do for a living?


  93. still_looking aka Tan-Less says:


    I envision filing short form 1040s with about 12K/year income reported.

    amen brother Galt!!

    I will meet you on the dark side as soon as I can figure a plan.


  94. still_looking aka Tan-Less says:

    I finally understand Buffett’s BNI gamble.


  95. Mr Hyde says:


    could be very messy,

    Over 300 million guns and over 1 trillion rounds of ammo, in private hands in the US

  96. WTF says:


    That seems like a no-brainer. I wonder why they can’t get that done as a bare minimum. i feel bad for you – you worked hard to get where you’re at, yet seem miserable

  97. Final Doom says:

    sl (89)-

    I’d guess the percentage of people who don’t understand that even the FILING of a frivolous lawsuit against you can threaten your future coverage (and even your career) is about 100%.

    Same in any profession in which E&O/malpractice insurance is necessary. If any of my agents or I has as much as a filing against us, my carrier will drop me and I will become uninsurable at any price…EVEN IF I WIN THE CASE.

  98. leftwing says:

    “GWB borroed 1.8T from 300Million to give it to 3 Million. That was the true redistribution of wealth.”

    Yeah, redistributed back from where it came.

    The thing that really p!sses me off is that I don’t even get a Christmas card from the four or five families that owe their entire existence to my hard work.

  99. Mr Hyde says:


    March 22 (Bloomberg) — The bond market is saying that it’s safer to lend to Warren Buffett than Barack Obama.

    Two-year notes sold by the billionaire’s Berkshire Hathaway Inc. in February yield 3.5 basis points less than Treasuries of similar maturity, according to data compiled by Bloomberg. Procter & Gamble Co., Johnson & Johnson and Lowe’s Cos. debt also traded at lower yields in recent weeks, a situation former Lehman Brothers Holdings Inc. chief fixed-income strategist Jack Malvey calls an “exceedingly rare” event in the history of the bond market.

  100. Final Doom says:

    Think Realtors make the big money? I’ve had 10 years of a spotless E&O record. You don’t want to know what my E&O insurance premiums are.

    I only feel better when I compare my premium to brokers who have had 1-2 suits filed against them.

    If I had a suit filed against me, I’d shutter my company ASAP.

  101. Comrade Nom Deplume says:

    [99] left

    “The thing that really p!sses me off is that I don’t even get a Christmas card from the four or five families that owe their entire existence to my hard work.”


    I am going to get bumper stickers made for the next GTG that say “Be nice to me. I’m paying for your bailout”

  102. Libtard says:

    “The only way sane people ever get control of the country again will be at gunpoint.”

    Sure, only the leeches you plan to mow down with bullets have better guns than you, real-life experience instead of your gun range target shooting, plus they are not afraid to kill. Worst of all, they’ve got nothing to lose.

  103. serenity now says:

    RE91 gubmint leeches – amen brother I see alot of
    that “below the radar” stuff happening now.

  104. Comrade Nom Deplume says:

    [91] doom

    Little hard to do that in real estate. Everything is reported, and don’t think that the NSA has the most computing power in the US.

    IRS and state revenooers will give NSA with its echelon and carnivore programs a run for its money.

    There isn’t very much the USG doesn’t know about your financial lives.

  105. Comrade Nom Deplume says:

    [103] libtard

    Sounds like as good an excuse for pre-emptive strike as I have heard.

  106. Final Doom says:

    Just found out over the weekend that this region’s development program for US national team soccer has anchor kids of illegal aliens in it.

  107. Final Doom says:

    plume (105)-

    Who said anything about me staying in RE? ;)

  108. Final Doom says:

    lib (103)-

    You don’t know me very well.

  109. serenity now says:

    RE 102
    “be nice to me, I am paying for your bailout”
    QUOTE OF THE DAY!!!!!!

  110. Mr Hyde says:

    tard 103,

    I dont know about better guns and i have serious questions about the average accuracy amongst that group.

    Consider the US V Russian philosophy in the European theater. We knew we would be outnumbered but banked on the concept that our soldiers were better marksman at a long distance, hence in the end we were likely to kill enough of them to more then even the odds.

  111. Final Doom says:

    Be nice to me. Because soon, I’m coming to collect what you owe me for your bailout.

  112. Mr Hyde says:


    also consider ammo choices. Why does the military like FMJ as opposed to hollow point? FMJ penetrates body armor better, BUT it is also more likely to INJURE as opposed to kill the enemy. An injured combatant takes up substantially more resources compared to a dead one who takes virtually none.

    I believe that with a slight tweak the same principle could be applied.

  113. Libtard says:

    “Just found out over the weekend that this region’s development program for US national team soccer has anchor kids of illegal aliens in it.”

    I’m going to Vegas in 3 weeks. Perhaps I’ll lay some cashola down on US soccer futures.

  114. still_looking aka Tan-Less says:

    WTF, 96

    I wonder why they can’t get that done as a bare minimum.

    What? And remove the litigator’s gravy train??

    If you knew how many cases are filed and settled out of court – a usually smaller sum of money – paid to some asshole who usually <had NO case to begin with! just to avoid the legal fees of defending a doc who did nothing wrong! you would then understand my anger and frustration.

    This system is gamed against honest people for the benefit of the corrupt.

    Every scummy lawyer that profits from this is making sure that this gravy train never runs out.

    ANY illegal, uninsured patient that walks through my door is seen, treated, regardless of insurance status or payment guarantee.

    They are further ensured of the right to sue me, frivolous or not.

    Despite the fact that the vast majority of them have given fake names, fake addresses, fake contacts and fake phone numbers…

    *** Gee, sl, how do you know this??

    HOW? Because we call them back for positive cultures, xray overreads, to check on the ones we want to make sure are not lost to follow up.

    No such phone number: send certified letter
    No such address: send police to address
    No such address or if address is real: no such person living there.

    Yes. This is the lengths we have to go through…. mostly in effort to not get sued….

    Do you think I like working with this kind of paranoia hanging over my head? My first thought that occurs after seeing a patient… “What can this person sue me for…”

    Try *that* for your everyday working life….

    Yes, It Sucks Beyond Measure.


  115. Mr Hyde says:



    Atlas Shrugged

    Soilent Green

    Apparently these are all training manuals, not works of fiction. When do they start the soilent program?

  116. sas says:

    “Health Care Mandate to Be Enforced by IRS ‘Bounty Hunters’”

  117. Laurie says:

    RE #35,house pics

    Nice house but very distracting garage. Also photos highlight furniture, not house features.pls get rid of the flowers on the tables and so forth…distracting and frumpy looking.

  118. schabadoo says:

    No SRS @ $5.97 announcement?

  119. Nicholas says:


    I am a UMD alumni and I don’t get your point about using small words with Terp fans.

    On a side note, do you know why all the trees in Maryland point to the north east? It is because New Jersey sucks.

    Just joking…please resume poorly structured jabs at Maryland for being formed from an agricultural school.

    Calipari gamed the system, to be sure, but look at Maryland, which is a farm team. On average, only one MD player from the entire team graduates.

    Whenever I meet a Terp, I tell them that I will speak slowly and use small words.

  120. NJGator says:

    N.J. teachers converge on Trenton to oppose pension changes

    TRENTON — With the Assembly set to take a final vote on three bills that would make broad changes to public worker pensions and benefits, dozens of school workers from across the state lined the halls of the Statehouse, urging lawmakers to slow down and take a second look at the bills.

    Most of the changes in the bills would affect future workers, but current teachers and workers would be required to contribute at least 1.5 percent of their salary toward their health care costs. Gov. Chris Christie has said he would sign the bills as soon as they are passed.

    Teachers and other unionized workers have pressed for an array of amendments, but the bills passed an Assembly committee on Thursday unchanged from language passed last month by the Senate.

    Assembly members walked swiftly through the corridors as teachers called out, asking them to slow down, consider the amendments, and “please think of our kids.”

    “We don’t like the rules being changed in the middle of the game,” said Jack Wilson, vice president of the Manchester Township Education Association and a teacher of chemistry and physics. “That’s not what America’s about.”

    Teachers, who said they had taken the day off to come to Trenton, said there was a lot of worry among the many colleagues who were not in the capitol about the security of their pensions moving forward.

    “What’s going to be the next promise in five years?” said Patricia Goley, a chemistry teacher at Manchester Township High School.

    Goley said she had prepared a lesson plan over the weekend for the substitute teacher.

    “They’re covered,” she said of her students. “They’re not watching a video.”

    Several said they had left private sector jobs offering much higher salaries to take teaching jobs.

    “It’s not a lot of money,” said Carol Kiersnowski, an occupational therapist for learning disabled children in preschool through sixth grade with Berkeley Township.

    The health care proposal seemed particularly unfair to some, because it would require all to pay the same percentage of salary, no matter what kinds of benefits they received or the size of their family.

    “There’s not any equitable factor in there,” said Patricia Kelly, a basic skills teacher with East Rutherford.

  121. Confused in NJ says:

    The Census must cost a fortune in postage. I get one letter telling me it’s coming. Then I get the Census which I repy to promptly. Then I get a third mailing reminding me to complete it, and thanking me if I already did.

  122. Libtard says:

    Montclair teachers accept pay freeze to save jobs

    Of course it’s still not enough, but it’s a start.

  123. Comrade Nom Deplume says:

    [120] Nicholas

    “I am a UMD alumni and I don’t get your point about using small words with Terp fans.”

    I really can’t respond to that without insulting you further. Sorry.

  124. yo'me says:

    Hospitals gain, insurers fall, but is it a harbinger?
    Wall Street weighs House’s action in wake of health-care reform passage

  125. Comrade Nom Deplume says:

    [122] confused

    I am torn on the Census. I want to reply that there is only one person in my residence, and convince my MIL to say that there are a bunch in hers. That way, a conservative district in PA gets credit, and NJ loses it.

    In fact, I think that conservatives in Blue states should lie on the census as to the number in their houses (1) and those in red states should lie and gin it up a few.

    I don’t recall seeing any penalty of perjury jurat on the form, so it may not be an offense to lie on the census.

    Besides, it isn’t as if the left hasn’t been doing that for years. I know that community groups have always encouraged constituents to game the forms and put down a high number for residents. Not officially, mind you, but nod and wink stuff, similar to the bogus voter registration work we hear about.

  126. Juice Box says:

    Census – Everyone should check the negro box, this way we will all be treated equally.

  127. Juice Box says:

    Census jobs $20 and hour part time in NYC. Perhaps I will take a part time gig in my old neighborhood in the Bronx. I wonder if I can still jump over fences as fast as I used to when I had to get away from the Knox Place gang.

  128. Comrade Nom Deplume says:

    [129] juice box

    Wow. Maybe I will take one of those too, and just ACORN my statistics.

    Just remember to wear your Obama pins to the interview. Only true believers get these jobs.

  129. Comrade Nom Deplume says:

    [126] yome

    This says it all:

    “Pretty much everybody gets a pony, except for the taxpayers,” said Les Funtleyder, analyst for Miller Tabak in New York, noting that those making more than $250,000 will have to help finance some of the reforms via higher taxes.

    Funtleyder says, however, that it won’t be known for some time whether the legislation has been effective as many of the reforms come into effect in four years. Costs could well continue to soar.

    “This doesn’t do much about costs,” he said. “If costs continue to be unsustainable, we’re going to have to come back and recast health care again.”

    There is so much about this bill that will allow costs to increase dramatically that it isn’t funny. In fact, much of it is by design, and was done to get the industry to buy in.

    So everyone gets a pony except the taxpayers and ratepayers.

  130. Libtard says:

    I feel bad for the door-to-door census takers who will have to ask the section-8 crowd if they are negros. I hope someone youtubes this sh1t.

  131. jcer says:

    Libtard, I somehow doubt the section-8 folks even get a knock on the door. i don’t like walking past the places.

  132. Barbara says:

    same as it ever was

  133. Hey this is a great story. I’m going to email this to my buddies. I stumbled on this while googling for some downloads, I’ll be sure to visit regularly. thanks for sharing.

  134. Barbara says:

    so I’ll be paying the same or more, no help and now I’ll have to wait two months instead of one for the pediatrician.

  135. Mr Hyde says:


    Since the insurance companies will be require to accept pre-existing conditions, and there are not any provisions that prevent them from jacking rates overall, I am willing to bet that they will do what the credit card companies have done. That is they will raise rates as much as possible every chance possible of everyone from now until the major provisions come into effect.

    I have seen an analysis that it will be cheaper to pay the penalty and bank the difference in your annual healthcare expenses into a HSA.

    if thats the case then the insurance companies will be forced to raise rates as often as possible as much as possible because the system then selects for the extreme end of the cost spectrum.

    Drop out of healthcare, pay the fine, bank the difference and since they cannot hold a pre-existing condition against you, get health insurance when you come down with a major medical issue.

    Use your HSA as a stop gap

  136. Mr Hyde says:


    A quick medical tourism trip could be what becomes the norm for anyone who has some money and anything more then a sniffle.

  137. sas says:


    aspirin for a heart attack.
    but, don’t you worry, “free” health care for all.


  138. Barbara says:

    fyi insurers in nj already must accept pre-existing. Been in place for years.

  139. Mr Hyde says:


    Why not start a practice in mexico on a nice beach? Cash only and 5 star accommodations. You may have a booming business before to long.

  140. Barbara says:

    and in NJ insurers can wait 6 months before insuring you, that eliminates the sidelining until something bad happens.

  141. still_looking aka Tan-Less says:

    I bring to you and example of the

    Feel free to email him your feelings at

    I did. I feel better now.


  142. Mr Hyde says:

    Barb 142,

    But will they still be able to wait 6 months with this new bill?

  143. Barbara says:

    mr hyde,
    I suspect the 6 month waiting period will eventually be adopted federally.

  144. still_looking aka Tan-Less says:

    Hyde, 141

    At least I wouldn’t have to worry about the drug seekers… if I start writing narc scripts, I’ll get a visit from the local drug cartel underling and “his little friend.”

    Good docs are going to cut back… My own colleagues are saying the same. I will cut back, scale down, vacation more and attempt to find an alternate line of work/income.


  145. Mr Hyde says:

    SL 143

    I believe he may be full of $hit. It deoends on his status, but…

    As one of those privileged enough to have excellent insurance benefits provided by my union at lower than market rates, I’ll be taxed heavily on the value of that coverage.

    Union workers are exempt from the healthcare tax.

  146. sas says:

    “Why not start a practice in mexico on a nice beach? Cash only and 5 star accommodations.”

    don’t forget to shew away the chicken before you lay down on the exam table.


  147. Anon E. Moose says:


    Congress has directed through a federal law that anyone who “refuses or willfully neglects…to answer, to the best of his knowledge, any of the questions” on the Census form can be fined $100 (13 U.S.C. § 221). If you deliberately give a false answer, you can be fined up to $500.

    Although there are not a lot of reported prosecutions, this statutory requirement has been upheld by the courts as constitutional. There is even a 1970 court decision from Delaware holding that there is a separate violation for each question you don’t answer. So, on this year’s ten-question Census form, you could be fined as much $1,000 — $5,000 if you refuse to answer or deliberately give false answers.


    This was said in the context of declaring one’s race as “American”. As a follow-up, someone inquired with the Census bureau, who said they will interpret responses of “American” to the race question to be non-responsive, and will presume the respondant’s race is proportionately representative with the reported ‘acceptable’ races in the same area.

    I look at it this way, you can only give $2,000 to any one candidate per election cycle – even if the fine is $5,000, you can help deprive a blue state of congressional seat, it that so bad? What If I plan to move to PA before the first congressional election after the Census (2012), and want to be sure I’m adequately represented when I get there?

  148. Mr Hyde says:

    SL 146

    you are looking at it the wrong way. You could probably contract with the local cartel for top quality narcotics for legitimate medical purposes with worrying about federal agencies.

    A friend of mine broke his leg while in africa on work (Mining engineer). The local doc shot him up with heroin before setting his leg. he said he was completely comfortable while having his leg set.

  149. Mr Hyde says:


    Heck, maybe we could form a joint venture. I can ensure that the local cartel is providing quality materials and supervise manufacturing or purification when needed.

  150. still_looking aka Tan-Less says:

    Hyde, 147

    he writes: It’ll be about seven thousand after-tax dollars a year out of my pocket. And I couldn’t be happier about it. That seven grand is going to help provide insurance coverage for 32 million people who’ve never had it before, and who’ve drained far more than that from our individual and collective pockets until now. /snip/

    Why stop there?? He’s so happy about it. PLEASE. Give 70K (not just seven) and insure more people…

    His union is likely, SAG or such – for entertainment industry folks.


  151. still_looking aka Tan-Less says:

    And for f.uck’s sake SAS,

    It’s “SHOO!”


  152. Barbara says:

    so for those with incomes low enough to qualify, how does it all work? Do they submit their tax return to the insurer to get the breaks on their premiums? Serious question.

  153. Mr Hyde says:

    SL, Nom

    The next question is how hard is it to form a union? Perhaps some crafty attorney can find a way to create a “silent” union, who’s sole purpose is ti shield you from the healthcare tax while looking pretty for the rest of the world.

  154. still_looking aka Tan-Less says:

    Hyde, 150, 151

    doc shot him up with heroin before setting his leg. he said he was completely comfortable while having his leg set. I’m shooting people up with Dilaudid. Our pharmacological equivalent of heroin.

    Yes. When do you want to brainstorm it?
    Maybe a medical cruise ship — if it operates far enough offshore, under who’s jurisdiction is it?



  155. Mr Hyde says:


    I should tell you about the time i got exposed to a room full of oxycontin dust. THE 100% PURE material before it is cut with inactives, due to a machinery failure.

    I was wearing a black shirt and walked out of the room with it looking white.

  156. All "H-Train" Hype says:

    Another up day in the markets on very low volume. Citi computers trading with Goldman Sachs computers.

    Gotta love the rigged markets!

  157. sas3 says:

    leftwing says:
    “I don’t even get a Christmas card from the four or five families that owe their entire existence to my hard work.”

    That’d be the cops and firefighters, former *Heroes of America* (till that line stopped winning elections!). Next time you meet one of them, you can ask them.


  158. Al "The Thermostat" Gore says:

    Someone package up the Statue of Liberty.

    Bring on amnesty for the 12 million illegals. Throw in some free healthcare for good measure. Dont worry, we can afford it we have an entire generation of lazy fat asses waiting in the wings.

  159. Final Doom says:

    sean (128)-

    I’ve already replied as a Negro.

  160. Al "The Thermostat" Gore says:

    “Sources at the United States Embassy in Beijing China have just CONFIRMED to me that the United States of America has tendered to China a written agreement which grants to the People’s Republic of China, an option to exercise Eminent Domain within the USA, as collateral for China’s continu More..ed purchase of US Treasury Notes and existing US Currency reserves.”

    The written agreement was brought to Beijing by Secretary of State Hillary Clinton and was formalized and agreed-to during her recent trip to China.

    This means that in the event the US Government defaults on its financial obligations to China, the Communist Government of China would be permitted to physically take — inside the USA — land, buildings, factories, perhaps even entire cities – to satisfy the financial obligations of the US government.

    “The State Department says there is “no factual basis” to an Internet rumor that went viral over the weekend claiming Secretary of State Hillary Clinton was willing to pledge American homes to China as collateral for Beijing buying U.S. debt.”–Obama-Grants-Eminent-Domain-Rights-to-China-to-Secure-Debt

  161. Final Doom says:

    Hyde (157)-

    Your own Tony Montana moment, so to speak.

    “I should tell you about the time i got exposed to a room full of oxycontin dust.”

    Then, you exited the room and got jumped by three toothless hypes from West Virginia, right?

  162. Final Doom says:

    hype (158)-

    The plummet from these levels is gonna be gut-wrenching.

    Just a normal level of .vix is enough to obliterate the indices at this point. Couple that with a fresh ban on short sales, and we’ll be right back to the 1930’s.

    Personally, I cannot wait for this to happen.

  163. Final Doom says:

    SRS closes under $6 again today.

    Every dip under $6, it’s back up the truck. Every pop over $6, it’s sell it all…

  164. Final Doom says:


    “Say goodbye to China’s “export economy” paradigm. In a stunning development for trade hawks, and pretty much anyone who follows the biggest liquidity bubble in history, China Daily has announced China is about to announce a record trade deficit (yes, not surplus, deficit) for March. This makes the whole CNY undervaluation debate pretty much moot, as even China now moves into the ranks of net importers. From China’s official daily newspaper: “The country will probably see a “record trade deficit” in March thanks to surging imports” and “will “fight back” if Washington labels China a currency manipulator.” Perhaps this finally explains where all the excess liquidity has gone: with China now not exporting to the US consumer, it has instead refocused on its own “middle” class. This means that Chinese administrators are much more focused on maintaining a stable economy, and will be much more concerned about economic overheating, which goes in line with the recent indications of material liquidity tightening out of Beijing. Market News reports that the actual deficit will come in at $8 billion for March, the first deficit since April 2004, when the gap was $2.26 billion. Maybe Albert Edwards will just have the last laugh with his iconoclastic prediction of a CNY devaluation.”

  165. Final Doom says:

    Cheap Swissies for all!

    “Everyone’s favorite openly interventionist central bank (no, not the Fed: Bernanke is all about covert market manipulation) the SNB is about to pull the mother of all Swiss Franc dumps, as the CHF has just hit an all time high against the euro. And when that happens, the one currency that everyone loves to forget is about to get some seismic shocks. Also Mr. Bigglesworth (aka Ben Bernanke) gets upset, and trees die. It is perfectly logical that Soros-lites all over the world are currently loading up on cheap CHF straddles in anticipation of a UK 1990’s redux. The race to the currency bottom is now in the second lap.”

  166. All "H-Train" Hype says:

    Clot 164:

    I am getting out of the market at the end of the month and see how things go.

    I will certainly jump back in big time when Uncle Ben starts QE by buying all the MBS he can see.

    We will have spectacular asset inflation when Ben decides to buy the whole 5 trillion dollar MBS market.

  167. sas3 says:

    leftwing: “I don’t even get a Christmas card from the four or five families that owe their entire existence to my hard work.”

    The only comments I see in response to this are how this is a cool quote. I do not think this is par for the course for this board — everyone I met at the GTG is a decent person. I would have expected a lot of outrage at this statement, even after accounting for the mourning mood here the day after HCR bill.

    We spend a lot on defense; there is a ton of money in TARP; entitlement programs are meant to be on a “rolling basis*”; there are local law enforcement; interstates; “all the patriotic support our troops”; farm subsidies; regulatory agencies;…

    I know a friend who has a friend who worked in a small business startup where the CEO gave an almost no-show 100k+ job to his sister (all money from VCs), and had the gall to repeatedly remark how he was supporting the families of the company employees (lot of techies — one of the employees left and retired at 35 from a big tech company, and almost all that left are doing very well).

    * Note: Al Gore’s Sandbox idea was pooh-poohed by the same people that complain about its costs in a couple of decades.

  168. Fabius Maximus says:

    #77 nom

    On the flag of truce are you taking the previous administrations approach to the Geneva Convention?. I would need the flag as I sense my political views would be in the minority at that GTG.

    As for net beneficiary, again it is a no. I sit in that market demographic the North Jersey GOP sees as its base. I’m a regular on the Beefsteak dinner invite list. I pay a lot of income tax and property tax and as I don’t show up the voter roles they see me as a potential recruit.

  169. Final Doom says:

    I don’t show up either…at least not on the voter rolls that count.

    IMO, the only vote that counts is a vote with a bullet.

  170. Comrade Nom Deplume says:

    [149] moose

    Thanks. Knew it was too good to be true.

    Though that is a much lower penalty than your average lying to the government penalty.

  171. Comrade Nom Deplume says:

    [170] fabius

    That depends. How do you feel about being waterboarded?

  172. House Whine says:

    121- Regarding teachers and their opposition to a 1.5% contribution to health care- seriously? I think they are just embarrassing themselves. The party just can’t go on forever.

  173. Comrade Nom Deplume says:

    [155, 156]

    All good questions, and believe it or not, all things I have given thought to.

    That GTG is gonna be fun.

  174. Comrade Nom Deplume says:

    [162] al

    Have a hard time swallowing that one.

    Still, I’d hate to be the guy serving THAT foreclosure notice.

    Can you say lead poisoning?

  175. Final Doom says:

    Can someone confirm for me that Billy Packer will be nowhere near a microphone at the Final Four?

    Suddenly, I need to know this.

  176. Mr Hyde says:


    The Union of concerned NJREREPORT Bloggers, Local 123.

    Dues are $5/month and require one GTG/yr involving alcohol in order to stay a current member.

  177. Mr Hyde says:


    What healthcare penalties????

    IS this what it sounds like? From the healthcare bill

    <i.(1) IN GENERAL- The penalty provided by this section shall be paid upon notice and demand by the Secretary, and except as provided in paragraph (2), shall be assessed and collected in the same manner as an assessable penalty under subchapter B of chapter 68.

    (2) SPECIAL RULES- Notwithstanding any other provision of law–

    ‘(A) WAIVER OF CRIMINAL PENALTIES- In the case of any failure by a taxpayer to timely pay any penalty imposed by this section, such taxpayer shall not be subject to any criminal prosecution or penalty with respect to such failure.

    ‘(B) LIMITATIONS ON LIENS AND LEVIES- The Secretary shall not–

    ‘(i) file notice of lien with respect to any property of a taxpayer by reason of any failure to pay the penalty imposed by this section, or

    ‘(ii) levy on any such property with respect to such failure.’.

  178. Dink says:

    Speaking of a GTG, I attended the opening Red Bulls match in the new Harrison stadium. I think it was mentioned as a possible venue here. I would say it exceeded my expectations. Not a bad seat in the place, great acoustics, and easy access utilizing public transport.

    Concession lines were long and slow and parking was apparently a nightmare, but I think they will improve in those areas as they have more games under their belt.

  179. sas3 says:

    Hyde, sign me up. I’d give my share of alcohol to SL, just to see how riled up she can be when she has too much to drink — I’ll bring up the topic of Pelosi and then hide!


  180. sas3 says:

    #181 Chi

    Chicken guts in central park:

    May be Sarah Palin went to Central Park with her Kenyan witch doctor to pray for more book deals?


  181. Mr Hyde says:


    who are you?

  182. sas3 says:

    “who are you?”

    sas.try (play on the phonics of my name)

  183. sas3 says:

    … and I truly owe my abode to this board.

  184. Al "The Thermostat" Gore says:

    This is an interesting development. A harbringer of doom?

    Armed Rally in Virginia.

    When-19 April 2010 (Monday)
    Where-Ft. Hunt National Park Time-9:00 till 5:00 PM
    The organizers have requested that EVERYONE be armed and “bring ammo”. There will be speakers and, just in case, the National Park Service and law enforcement ARE aware of the meeting and HAVE given the attendees the go ahead.

  185. I wanted to thank you for this excellent read!! I definitely enjoyed every little bit of it. I have you bookmarked your site to check out the new stuff you post.

  186. Shore Guy says:

    From an ASCAP newsletter:

    “Do you have unidentified tracks, mislabeled albums, or missing artwork in your iTunes library? If so, TuneUp Media’s TuneUp might be able to help. TuneUp is a an iTunes add-on that cleans up your iTunes library by identifying and filling in missing information.”

  187. Comrade Nom Deplume says:

    [183] sas3

    Or maybe Palin converted to Santeria.

  188. Barbara says:

    you see, the problem here is that all the crazy crackers (you know who you are) will act up and override any legitimate debate. Gee, didn’t see this coming.

  189. sas3 says:

    Barb, and sometimes the crazy crackers are just bantering and some posters like me come out as pompus self-righteous jerks (may be partly true too!). I guess all evens out at the GTGs.


  190. Fabius Maximus says:

    You want a Christmas card?

    I would expect a reacharound for the amounts I’ve paid in balance billing over the years!

  191. Final Doom says:

    A Return To Normal?

    The Bloomberg article said this is a sign markets are returning to normal.


    Was chasing risk in summer of 2007 normal?
    How well did it work out?

    Let’s not confuse the willingness of the greater fool to finance global junk at the highest rate ever with “normal”. Instead I would advise focusing on corporate real estate, credit card defaults, and especially housing starts. The latter typically leads normal recoveries.

    Music Still Playing

    But hey, everyone likes a party. Let’s party like it was summer of 2007 again.

    I have the perfect quote to match. It’s from July 2007 – Quotes of the Day / Top Call

    Chuck Prince: “When the music stops, in terms of liquidity, things will be complicated. But as long as the music is playing, you’ve got to get up and dance. We’re still dancing”.

    The Music Stopped for Chuck Prince On November 2, 2007 when his last dance was a two-step out the door.

    Rest assured things will “get complicated” again. I just wish I could tell you when.

  192. Yikes says:

    re: health care … after hearing about how many people w/ pre-existing health conditions who DON’T have or can’t get insurance, I’m curious … is there a breakdown anywhere of just how many people this is?

    i know a large portion of this country is obese and unhealthy, and we can talk about that another time. i’d like to focus on those w/ pre-existing conditions.

    anyone know of any stats on those?

  193. chicagofinance says:

    If you have allergies in early spring, this should clear your sinuses….

    Note….not appropriate for work…much foul language….

    Critical….the best moment is at 2:20, but you need to be at 2:00 for full context…. F * * c-word

  194. chicagofinance says:

    “….and I will marshal all the media forces of darkness to hound you to an assisted suicide.”

  195. Anon E. Moose says:

    Shore [189];

    Does that little bit of ASCAP spyware come with a global liability release and indemnity and hold harmless when someone I may have received a file from sues me? If so THEN we can talk about how many hundreds of thousands of dollars I’d accept to let them run it on my machine.

    GAK. Doubtless some teenager will gladly download it if it comes with a free combination Lady Gaga/fishbowl screensaver.

  196. Anon E. Moose says:

    Getting back to RE, seriously, $529k in Clark?

  197. still_looking aka Tan-Less says:

    Please, you must write:

    THIS is Evan Handler’s response:

    Ayn Rand? Really? That’s your level of economic sophistication?

    Universal healthcare is working well in numerous industrialized nations. Thousands of doctors throughout Europe are happy at their jobs, and their patients receive good care. America, and Americans, should learn a thing or two from the rest of the world, instead of clinging to the notion that we know best about everything. 37th or so in numbers of preventable deaths. Far down the list on infant mortality. Are you familiar with those WHO statistics?

    Anyway, I’m sorry you’re so miserable. I agree fraud needs to be addressed.

    Thanks for the note.


    More spewage than I can handle…


  198. Fabius Maximus says:

    Another decorum moment brought to you by the GOP.

  199. still_looking aka Tan-Less says:

    does anyone have the clip from the text of the bill that shows unions are exempt?

    Thanks in advance.


  200. NJGator says:

    I’m off to the Montclair BOE Budget Meeting. I will live blog the most outrageous parts for everyone’s entertainment here.

  201. Fabius Maximus says:

    #198 Chi

    No one does satire like the British. It is rumored that this guy was modeled on Geraldo.

  202. still_looking aka Tan-Less says:

    never mind… found it.


  203. still_looking aka Tan-Less says:

    Dear Evan,

    For starters.

    Your insurance is through a union? You aren’t taxed. Union-provided health care is exempt from the tax.

    Universal healthcare is good? Sure, That’s why Canada’s premier is here getting his minimally invasive heart procedure in Florida. Oh, that’s right… he was referred there from the NEW JERSEY physician who evaluated him. He paid out of pocket — wrote a check himself to cover it. Can all Canadians afford to do that?? I doubt it. I wonder what their tax rate is…

    Oh that’s right… tax rates. … like those in Europe — docs there are happy? Funny, I work with piles of docs from other countries…. who prefer to be here (til now.) One gastroenterologist I work with was already musing to me last Thursday about returning to India.

    Yeah. Hmmmm infant mortality. Let’s see. You actually have to have the FULL numbers of pregnant women giving birth to determine infant mortality. WE attempt to resuscitate any fetus that even attempts to breathe. Other countries? No. Why? Too costly especially if they survive — most of them aren’t even deemed viable — and likely not included in the statistics. They are considered miscarriages… not infant deaths.

    [link removed – was causing moderation]

    paragraph 6: Dr. Bernadine Healy pointed out last year in U.S. News & World Report, “It’s shaky ground to compare U.S. infant mortality with reports from other countries. The U.S. counts all births as live if they show any sign of life, regardless of prematurity or size. This includes what many other countries report as stillbirths.” So U.S. infant mortality figures are inflated precisely because of the heroic efforts of U.S. doctors to save the lives of more infants.

    Do you recall, lies, damned lies and statistics?? Yeah. Let’s talk statistics….

    You think unemployment is at 9+%? Yeah, sure. Tell all the unemployed folks I see in my ER. Come visit me on a night shift… I’ll provide a narrated tour. You can see for yourself — and mind you, I don’t work in an inner city ER.. I work in a tony suburban ER.

    Did you read Atlas Shrugged? I’m just curious. Granted, it falls apart after pg 800 but it’s message is clear.

    Thanks for your condolences… they need not be addressed to me… address it to the future of our country — that is where the misery lies.



  204. still_looking aka Tan-Less says:

    grim? please delete either 207 or 208

    207 is in moderation and 208 is the posted (albeit minus the link)



  205. sas3 says:

    sl #207:

    “One gastroenterologist I work with was already musing to me last Thursday about returning to India.”

    The Indian doctors should have fewer complaints than the US counterparts. They get subsidized education(almost free in many cases), don’t need to pay for 4-year undergrad college before getting a medical degree (they are out of med school by 22 or so), come here, write a couple of exams, and get into residency. Three years, board certification, and regular job in clinics or fellowship to specialization.

    I usually lose sure fire bets (lost money on shorting FNM when it was 26!), but if I were a betting man now, I’d say your colleague is BS’ing.

    Unless your friend has really big connections in India, returning to India with a GI super-specialization isn’t going to happen.


  206. sas3 says:

    sl #207

    The two things Indian hospitals look in ER cases (even if it is a major traffic accident) are:

    1) “are we going to get into trouble”? If the case is very serious, reroute to a “government hospital”.
    2) Does the guy have enough money to pay? If so, collect the payment *now* and start fancy procedures. If not, kick him out soon.

    I am highlighting based on my experiences and stories from family members and friends, but I am not exaggerating. They strongly promote C-sections…

  207. Jamal Van Jones says:

    Many countries, including the United States, Sweden or Germany, count an infant exhibiting any sign of life as alive, no matter the month of gestation or the size, but according to United States Centers for Disease Control researchers,[6] some other countries differ in these practices. All of the countries named adopted the WHO definitions in the late 1980s or early 1990s,[7] which are used throughout the European Union.[8] However, in 2009, the US CDC issued a report which stated that the American rates of infant mortality were affected by the United States’ high rates of premature babies compared to European countries and which outlines the differences in reporting requirements between the United States and Europe, noting that France, the Czech Republic, Ireland, the Netherlands, and Poland do not report all live births of babies under 500 g and/or 22 weeks of gestation.[6][9][10] However, the report also concludes that the differences in reporting are unlikely to be the primary explanation for the United States’ relatively low international ranking.[10]

    UNICEF uses a statistical methodology to account for reporting differences among countries. “UNICEF compiles infant mortality country estimates derived from all sources and methods of estimation obtained either from standard reports, direct estimation from micro data sets, or from UNICEF’s yearly exercise. In order to sort out differences between estimates produced from different sources, with different methods, UNICEF developed, in coordination with WHO, the WB and UNSD, an estimation methodology that minimizes the errors embodied in each estimate and harmonize trends along time. Since the estimates are not necessarily the exact values used as input for the model, they are often not recognized as the official IMR estimates used at the country level. However, as mentioned before, these estimates minimize errors and maximize the consistency of trends along time.”[14]

  208. still_looking aka Tan-Less says:


    I’m sure he’s just BS’ing…but I feel his frustration. He was telling me about this patient who goes to him (also Indian) and despite the patient having money — is on Medicaid. He told me he knows for fact the guy has money.

    He (like me and many other docs) is just disgusted.


  209. sas3 says:

    “Sure, That’s why Canada’s premier is here getting his minimally invasive heart procedure in Florida.”

    Why did David Beckham go to Finland for his achilles tendon surgery? Why do Indian cricketers go to South Africa for knee surgeries? Who knows?

    I am sure there is at least one doc in Canada that can do a good job with a minimally invasive heart procedure.

    May be it is more fun while recovering in warm weather Florida than in some freezing place in Canada? May be the premier wanted to have a maximally invasive procedure with some “friend” — something he can pull off in Florida but not in Canada?

  210. sas3 says:

    sl #212.
    If what that rich B is doing is illegal, your friend should report to the feds.

  211. still_looking aka Tan-Less says:

    We live is a skewed world of lies, damned lies and statistics (which without in depth, UNBIASED oversight) are usually just more elaborate lies, often used to for political and economic reasons.

    What’s the infant mortality rate by sex in China?


  212. sas3 says:

    “and despite the patient having money — is on Medicaid.”

    I know of a wonderful family with a beautiful teen-pregnancy and a love child (though the love disappeared a few minutes after an election loss) where the kid gets free health care and grandma gets wonderful book deals promoting the family values. They report large tax losses on grand-dad’s “fishing hobbies”, granny got per diem for working from home, and …

    Cheap people are everywhere (I probably qualify as one too), and only thing we can hope is that the loop holes are closed.

  213. still_looking aka Tan-Less says:

    sigh… editor on vacay…

    …statistics which (without….etc)

    often used for…


  214. House Whine says:

    To those of you who value our libraries I have copied and pasted a passage from the NJLA (library association) which was emailed to me today. My personal story is that libraries were my lifeline as a child. We didn’t have money to buy books and couldn’t afford many activities. I learned so much on my own and couldn’t wait to bring home books. Today I see our libraries providing much needed services and are an essential part of what makes my town a community.
    “Gov. Christie’s budget calls for a 74% decrease in funding for statewide library services. This cut includes the elimination of all statewide library programs and services. This will affect all types of libraries in New Jersey. Once state funding is eliminated, NJ will lose $4.5 million in federal funding. What does this mean to NJ residents? Once state and federal funding are lost the impact will be felt by all residents:

    * NJ resident’s access to electronic databases such as RefUSA and EBSCO will cease
    * Statewide interlibrary loan and delivery of library materials will cease
    * Libraries will lose 50% of state aid at a time when demand for services is increasing dramatically
    * More than half of public libraries will lose access to the Internet
    * Many libraries will lose email service
    * Many libraries will lose their websites or access to them
    * The Talking Book and Braille Center (known as the Library for the Blind and Physically Handicapped) will close
    * Group contracts which bring down the cost of other electronic resources purchased by libraries will cease

  215. Barbara says:

    House Whine,
    write your local and state union leaders about the libraries. Everyone is sick of the button pushing, this library stuff? More button pushing.

  216. House Whine says:

    I don’t understand what your problem is with my informing people on this site of the impact this may have on our libraries.
    Believe me, I know that many people don’t give a darn about what happens to their libraries. Fine with me. But please don’t tell me what information I should and should not be posting here. And yes, I am proactive and yes I will be contacting the powers that be!

  217. Jamal van Jones says:

    What’s the infant mortality rate by sex in China?
    Umm, I thought the comparison was being made with other first world countries, like Canada, Germany, Sweden, Japan etc.

    China has an official one child policy and an authoritarian government.

    FWIW, I think this bill is a travesty and mostly a handout to insurance companies, and does not have concrete measures to control costs. However, it is a start. For those who are interested in a more even keeled analysis of this plan and why ultimately it may succeed (after a lot of revisions):

    Testing, Testing
    The health-care bill has no master plan for curbing costs. Is that a bad thing?
    by Atul Gawande

  218. still_looking aka Tan-Less says:

    222, jvj.

    uh, I was being facetious.

    guess you missed that.


  219. Dissident HEHEHE says:

    Is the stock market being manipulated?

    I can not count the number of times I have been asked that question over the last 9 months. Rather than my offering personal opinions which market pundits may view as sour grapes or worse, I want to revisit a ten-minute segment of my interview last evening with Phil Davis.

    The segment runs from 29:45 until 40:00 (audio player provided below). If you do nothing else today, please listen to this dialogue between Phil and myself. Neither of us goes into this conversation with agendas or preconceived notions in an attempt to score points. I will offer an edited version here. I think you will find the information, thoughts, and opinions offered to be enlightening.
    PD: It’s getting more and more likely that there’s going to be an event that takes the market down and that’s because of the nature of the market rally. The rally has been a very thinly traded, low participation rally.

    LD: I want to pursue that….the idea that there could be or will be some sort of an event. Obviously, all of the governmental support that has come into the market, all of the quantitative easing, the easy money, the 0-.25% Fed Funds rate…all sorts of other backstops. Now they’re trying to figure out how to ease some of those supports out of the market while China and India have increased their rates. Are we overextended? Have we created a little bit of an asset bubble?

    PD: I think we have created a ‘helluva’ asset bubble…..Let’s be honest. We were delusional in 2007. Those valuations were completely wrong….the earnings were fake and I want to emphasize again fake because they were fake. They were not only not real earnings but what were reported as earnings turned out to be tremendous losses. The financials were putting out fake numbers…it was all fake…..How did we get the market back to where it is then? How is this even possible?

    LD: How much are we overvalued?

    PD: Don’t forget the Dow is fake also. They took out GM and Citibank from the Dow. Those are two zeros and they put in Travelers and Cisco…that’s 640 Dow points that were added because they swapped GM and Citi for Travelers and Cisco. Now is that real?

    LD: I look at the most actively traded stocks. Almost everyday the most actively traded stock in the market is Citi…this isn’t real…

    PD: Whether Citi is real or not, I think you touch on something more important, though. The most active stock is Citi. The next most active stocks are Bank America, Wells Fargo…

    LD: Also AIG.

    PD: Those trades are 80% of all trades in the market and the total market volume is less than half of what it was back then. In other words, you’ve got half the market participation of what it was and of that half, 80% of it is concentrated in less than half a dozen financial firms.

    LD: What does this say about the future of Wall Street?

    PD: It says that the people who are running the system are in total control of the marketplace. There is no retail participation….on a relative basis.

    LD: They don’t believe it.

    PD: ….it looks like a bunch of crooks….

  220. sas3 says:


    Atul’s cost-conundrum article also is great:

    It talks about a texas town that spends much more per patient on medical care, and still isn’t that great. Turns out the docs own medical testing centers, malls, etc., and are making out like bandits.

    Of course, it may get labeled as a “pinko liberal/ commie” article, but is a great read.

  221. Barbara says:

    House Whine,
    I’m prolibrary. This is political gamesmanship. Surely you’re smart enough to see through the rhetorical nonsense. And yes, even if the libraries shut their doors tomorrow, its still rhetorical nonsense. Lot of people been sitting pretty for generations on state pensions and municipal positions. Lots of 2 hour lunches in the park and 4:30 quittin’ time. Party is over. Call your local and state union leaders and let them know how much you love your libraries. Push back.

  222. House Whine says:

    Barbara, I still don’t understand. You say that “even if the libraries shut their doors tomorrow, its still rhetorical nonsense”. If the doors are shut, we can’t use the library so how is that rhetorical? The librarians I have gotten to know over the many years I have been using my library are wonderful and do not take 2 hour lunches. They have great attitudes. I am glad you are prolibrary but I do think that the budget axe will fall somehow on the libraries. Yes, some of this is scare tactics but some of it will come to pass.

  223. Shore Guy says:

    So, ACORN is dead, huh?

  224. Barbara says:

    much of it will come to pass. We are being forced to ask the right questions. Trenton has its hands tied not just financially, but by the state constitution. If certain parties won’t be reasonable, the good stuff will have to go. Time to start paying attention to those certain parties. Its a wake up call.

  225. House Whine says:

    Barbara- that is very true. It’s going to be painful and more than just a bit contentious. Time for me to crawl under the covers, wish it would all go away, and read a good book (from the library, of course!)

  226. still_looking aka Tan-Less says:

    SAS3, 225 is a great read.

    Unfortunately, it still doesn’t address tort reform (or barely does, at the end of the article.)


  227. Barbara says:

    Christie, so far so good on keeping the taxpayer’s focus on where it belongs….but come those library closings and the fat prop tax increases will the focus hold? I hope so.

  228. still_looking aka Tan-Less says:


    I don’t think she’s talking about librarians taking 2 hr lunches.

    It’s the plum job positions replete with pensions and cushy lifestyles that politicians have been happy to give to a campaign donor, a consort, a family member etc etc all being funded at tax payers expense.

    The bullshit has to come to an end. When Doom talks about starving the beast… that’s what this is. Cutting the budget to something that isn’t going to cripple taxpayers, cause productive families to flee the state or make businesses flee as well.

    We’re done. NJ is broke.

    Unless I missed something — I don’t want to put words into Barbara’s mouth.


  229. Barbara says:


    yep that is what I’m saying. I’ve got a 1 yr old on my lap and my mind is fuzzy so I’m not as clear as I could be.

  230. t c m says:



  231. NJGator says:

    Just got back from the BOE meeting. Proposed school levy tax increase for Montclair this year is 4.8%. The Business Adminstrator said that is $5.4M under cap, as the state cap would have allowed the district to pass on the entire aid reduction to the local taxpayers in a levy increase. So essentially be happy that the increase was only 4.8%….we could have hit you with 10%.

  232. NJGator says:

    Oh, and we’re laying off 85 people. A whopping 5.7 of them will come from the central office.

  233. chicagofinance says:

    Phil Davis is a hack. I listened to that sound file. No concept; no sense of proportion; pure anecdotal evidence; confirmation bias; poor framing; who gives a shite about the Dow…..ignore this useless crap….

    223.Dissident HEHEHE says:
    March 22, 2010 at 8:49 pm
    Is the stock market being manipulated?

    I can not count the number of times I have been asked that question over the last 9 months. Rather than my offering personal opinions which market pundits may view as sour grapes or worse, I want to revisit a ten-minute segment of my interview last evening with Phil Davis.

  234. Comrade Nom Deplume says:

    [202] fabe

    In case you haven’t noticed, we are at war. Not in the hostilities sense (not yet anyway) but it won’t take much more to push it there. So why not shout, like we used to do in the old days.

    Decorum in american politics, as we expect it, is a reasonably recent development.

    Now, if we are going to join the rest of the world in class warfare, shouldn’t our legislators behave like those in the rest of the world? You wanted a United States of Europe—don’t complain when we start behaving like Europeans.

  235. still_looking aka Tan-Less says:

    Nom, (and anyone else still awake..) 240

    There’s a zero hedge article you have to see.

    It’s a comment on this article

    It talks about how the government is taking the land from people (via MBS purchases)

    It lit up a bulb for me and is scary – I’m questioning its feasibility – or just tinfoil hat tinged.

    It’s a comment by “Apocalypse Now”
    on Mon, 03/22/2010 – 14:58
    POST #272528

    It’s close to the end of the comment section

    Please look and tell me what you think.



  236. Al "The Thermostat" Gore says:

    “While a communist regime remains successful, the people can be coerced into going along with it. It is when failure—or, at least, lack of new
    successes—sets in that, as was shown in Hungary and Poland in 1956, real and radical changes may happen. Exposure of a bankrupt policy would unleash
    powerful political pressures on communist leaders and on their regimes,
    parties, and governments, perhaps forcing them to change their
    conduct in international relations.”

    The Communist Strategy of Deception and

    This is why embracing the doom and getting it here quicker is the solution not to be feared but prepared for.

  237. sas says:

    before you have surgery… better shew away the chickens before they lay you down.

    american health care is a joke.

    better put down those donuts.


  238. Fabius Maximus says:

    #239 Nom

    Who exactly is at war? Can you expand on that?

    The European parliaments while raucous does follow a protocol. But what we see here is an ugly undercurrent of I don’t like what’s happening here and fcuk the rule of law. This time it is moving way past busting a few hippy heads for expressing free speech.

    The speech from John Boeher dripped with hypocrisy.

    “Today, we should be standing together, reflecting on a year of bipartisanship, and working to answer our country’s call and their challenge to address the rising costs of health insurance in our country.” All I heard was “Stop Scrap and Start over” Nothing on how this doesn’t work, but what about this. This came down to paying back the healthcare lobby.

    “They are angry that no matter how they engage in this debate, this body moves forward against their will.”. Last time I looked the Congress was duly elected by the people and you get the government of the people.

    “When I handed the Speaker the gavel in 2007, I said: “this is the people’s House – and the moment a majority forgets this, it starts writing itself a ticket to minority status.”
    And the GOP got handed it’s ass in 2008.

    What’s funny when you talk of Europe is that all of Europe either elects the premier/prime minister/President on a vote of the people or an appointment by the monarchy. In the US the people don’t elect the president, the Electoral Collage does.

  239. Shore Guy says:


    Do you perchance have any relatives in Chicago?

  240. sas says:

    “They strongly promote C-sections”

    yup, just like they do here in the states.

    check that stats at shift change.
    someone wants to hit the taco bell before they go home, so they do a C-section so they can move things along within 45 minutes.

    I don’t what is worse, a dentist, and OB/GYN, a RE agent desperate for volume, or a snake oil salesmen.


  241. sas says:

    ok, I’m off to bed. I need my beauty sleep.


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