From HousingWire:
Senators bargain on HARP expansion
Senate Democrats reintroduced a bill to expand refinancing for an estimated 13.5 million Fannie Mae and Freddie Mac mortgage borrowers.
Sens. Robert Menendez, D-N.J., and Barbara Boxer, D-Calif., will keep the origination cut-off date for the Home Affordable Refinance Program at June 2009 after a previous version expanded the program through June 2010.
“We made this change in a compromise with industry groups, and in response to issues raised by mortgage bond investors,” Menendez said in a conference call with reporters Monday. “We’ve addressed every objection raised to the previous version.”
The new version of the bill also eliminates previously proposed penalties for second lien holders and mortgage insurers who did not approve or transfer coverage in order to allow a HARP refinance to go through.
…
The new bill still allows a new servicer to avoid repurchase and warranty risk from the government-sponsored enterprises on the old loan. It also still prohibits the GSEs from charging any upfront fees to refinance a loan they guarantee, and it eliminates appraisal costs for all borrowers.More than 1.5 million borrowers refinanced under HARP, since the program launched in 2009.
The Federal Housing Finance Agency eased guidelines last year to allow more deeply underwater borrowers to refinance, and the program spiked when lenders put in the new rules. Roughly 519,000 borrowers took advantage of HARP in 2012, already more than the 400,000 in all of last year, according to the FHFA.
The Obama administration renewed a push to get a new refinancing package through Congress. But despite some of the give by Menendez and Boxer Tuesday, enacting the bill remains a long shot in the Republican-controlled House.
From NJ Spotlight:
Help for New Jersey’s Mortgage Crisis?
A bill to streamline mortgage refinancing for borrowers from the two largest federal lenders has won industry support by dropping penalties on banks and insurers, according to the sponsors, Sens. Robert Menendez (D-NJ) and Barbara Boxer (D-CA).
New Jersey mortgage-holders would be among the major beneficiaries, saving an average of $4,143 a year, the third highest in the country after the District of Columbia and Massachusetts, according to A May study by Columbia University’s Paul Milstein Center for Real Estate.
The study found that New Jersey ranks sixth in the number of affected borrowers with 402,341. California is first, with more than 10 percent of the total.
In a conference call with reporters yesterday, the two senators said they are optimistic that the bill, which eases restrictions on homeowners in the Obama Administration’s Home Affordable Refinance Program, can squeeze through Congress before the imminent pre-election recess.
…
Even as they acknowledged the hurdles, the two sponsors said the revised bill has won the support of a broad spectrum of groups, including the Mortgage Bankers Association, National Association of Realtors, National Association of Home Builders, Center for Responsible Lending and the National Conference of Mayors.
“We have addressed every single concern that was raised by Republicans and industry” about the earlier version of the bill, Menendez said. “We have been working to create a coalition that is broad, expansive and supportive.”
There are also the political numbers. At a time when more than one-fifth of mortgages remain “underwater,” with borrowers owing more than the value of their properties, Menendez said as many as 13.5 million could qualify. Their savings, according to the study, could total as much as $35 billion a year.
From MarketWatch:
Baby boomers consider next housing move
Many older baby boomers have been putting off moving for years now, due to weak housing markets, price declines and losses in their retirement accounts.
But as markets are beginning to recover, some may be unearthing their buried plans to downsize, move closer to their children or relocate to a warmer climate. Whether they ultimately make a move has a lot to do with their finances and where they live.
“I think people are sick of waiting,” said Jennifer Darby Metzger with ERA Justin Realty, in New Jersey. Even if conditions aren’t perfect yet, there will be some boomers who don’t want to wait forever and take the encouraging market signs as a cue to get moving.
“The recession is letting up and the housing inventory is going down,” said Rolf Pendall, director of the Metropolitan Housing & Communities Policy Center at The Urban Institute. Boomers are “selling into a market that doesn’t look so terrible compared with a year ago.”
From DJ:
Fannie Mae: Housing Market Attitudes Improve Despite Increased Concern About Economy
Americans’ attitudes towards the housing market are continuing to improve, despite stalling optimism about the economy and personal finances, according to a monthly survey by Fannie Mae (FNMA).
“Consumer attitudes toward the housing market remain modestly positive, despite signs of increased concern over the direction of the economy,” Chief Economist Doug Duncan said. “While the latest results showed a pickup in the share of consumers expecting mortgage rates to rise, reflecting the uptrend of long-term interest rates since mid-July, that may soon change.”
The mortgage-finance company’s survey of 1,002 Americans last month found that respondents expect home prices to increase 1.6% in the next year, on average, down slightly from the high of 2% seen in June.
About 11% of respondents said home prices will decline, the lowest level since the survey began in June 2010. And 18% say now is a good time to sell, marking the highest level since the survey’s inception. About 40% expect mortgage rates to rise in the next 12 months, an increase of 4 percentage points over July.
Good Morning New Jersey
I remember a few years ago hearing that soon, baby boomers would start cashing out their investments. The implication was that this would be aligned with their expected move to downsize. Now there are persistent outflows from from mutual funds despite the rise in the markets and reports about antsy boomers, itchy to sell while loath to take a loss.
Against whom will the frustrations of this multitude be directed and what can hold equity or RE prices up in the face of such pressure long term?
From the Record:
N.J. year-end revenue numbers short $254M
New Jersey collected $254 million less in taxes than Governor Christie predicted it would, according to a new legislative report, putting the state that much further behind in matching the ambitious economic predictions that support the governor’s budget and his call for income tax cuts.
Christie dismissed the report and the analyst who prepared, just as he did earlier when the governor called him “the Dr. Kevorkian of the numbers.”
“This guy can’t get it right,” Christie said of the analyst. “Let’s give him another month — it will probably be down $100 million.”
Monday’s report by the Office of Legislative Services says New Jersey’s major revenue collections grew in the 2012 fiscal year, which ended June 30, when compared with the previous year, but they still fell $254 million below predictions the governor’s office issued in May.
Any shortfall in last year’s revenue has to be filled by tax revenue from the current fiscal year, cutting into the $600 million surplus built into the 2013 budget, which took effect July 1.
Christie based the 2013 budget on his projection that revenue would grow by 7 percent — a forecast that Democratic lawmakers said was unrealistic, and one that bettered nearly every other state estimate for growth. But so far, the state’s economy has not grown at such a high rate: July 2012 tax revenues were 3 percent higher than the previous year, and New Jersey’s unemployment rate in July rose to its highest level in 35 years.
The revenue shortfall identified in Monday’s report comes after Christie has spent months pushing for a $200 million income tax cut, which Democrats in the Legislature did not include in the 2013 budget. Democrats have said they will begin to consider a tax cut in January, but only if the state’s revenue matches Christie’s projections.
Why Men Fail
By DAVID BROOKS
Published: September 10, 2012 8 Comments
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You’re probably aware of the basic trends. The financial rewards to education have increased over the past few decades, but men failed to get the memo.
Josh Haner/The New York Times
David Brooks
Go to Columnist Page »The Conversation
David Brooks and Gail Collins talk between columns.
In elementary and high school, male academic performance is lagging. Boys earn three-quarters of the D’s and F’s. By college, men are clearly behind. Only 40 percent of bachelor’s degrees go to men, along with 40 percent of master’s degrees.
Thanks to their lower skills, men are dropping out of the labor force. In 1954, 96 percent of the American men between the ages of 25 and 54 worked. Today, that number is down to 80 percent. In Friday’s jobs report, male labor force participation reached an all-time low.
Millions of men are collecting disability. Even many of those who do have a job are doing poorly. According to Michael Greenstone of the Hamilton Project, annual earnings for median prime-age males have dropped by 28 percent over the past 40 years.
Men still dominate the tippy-top of the corporate ladder because many women take time off to raise children, but women lead or are gaining nearly everywhere else. Women in their 20s outearn men in their 20s. Twelve out of the 15 fastest-growing professions are dominated by women.
Over the years, many of us have embraced a certain theory to explain men’s economic decline. It is that the information-age economy rewards traits that, for neurological and cultural reasons, women are more likely to possess.
To succeed today, you have to be able to sit still and focus attention in school at an early age. You have to be emotionally sensitive and aware of context. You have to communicate smoothly. For genetic and cultural reasons, many men stink at these tasks.
But, in her fascinating new book, “The End of Men,” Hanna Rosin posits a different theory. It has to do with adaptability. Women, Rosin argues, are like immigrants who have moved to a new country. They see a new social context, and they flexibly adapt to new circumstances. Men are like immigrants who have physically moved to a new country but who have kept their minds in the old one. They speak the old language. They follow the old mores. Men are more likely to be rigid; women are more fluid.
This theory has less to do with innate traits and more to do with social position. When there’s big social change, the people who were on the top of the old order are bound to cling to the old ways. The people who were on the bottom are bound to experience a burst of energy. They’re going to explore their new surroundings more enthusiastically.
Rosin reports from working-class Alabama. The women she meets are flooding into new jobs and new opportunities — going back to college, pursuing new careers. The men are waiting around for the jobs that left and are never coming back. They are strangely immune to new options. In the Auburn-Opelika region, the median female income is 140 percent of the median male income.
Rosin also reports from college campuses where women are pioneering new social arrangements. The usual story is that men are exploiting the new campus hookup culture in order to get plenty of sex without romantic commitments. Rosin argues that, in fact, women support the hookup culture. It allows them to have sex and fun without any time-consuming distractions from their careers. Like new immigrants, women are desperate to rise, and they embrace social and sexual rules that give them the freedom to focus on their professional lives.
Rosin is not saying that women are winners in a global gender war or that they are doing super simply because men are doing worse. She’s just saying women are adapting to today’s economy more flexibly and resiliently than men. There’s a lot of evidence to support her case.
A study by the National Federation of Independent Business found that small businesses owned by women outperformed male-owned small businesses during the last recession. In finance, women who switch firms are more likely to see their performance improve, whereas men are more likely to see theirs decline. There’s even evidence that women are better able to adjust to divorce. Today, more women than men see their incomes rise by 25 percent after a marital breakup.
Forty years ago, men and women adhered to certain ideologies, what it meant to be a man or a woman. Young women today, Rosin argues, are more like clean slates, having abandoned both feminist and prefeminist preconceptions. Men still adhere to the masculinity rules, which limits their vision and their movement.
If she’s right, then men will have to be less like Achilles, imposing their will on the world, and more like Odysseus, the crafty, many-sided sojourner. They’ll have to acknowledge that they are strangers in a strange land.
HARP 2.0 started in april.No limit on the amount underwater. HARP 3.0 on the works. Must be really a success
We are all Honey Boo Boo.
And this piece of Sh1t breeds and votes……. Extreme example oxygen being taken from the planet……. http://www.youtube.com/watch?v=LQR1bfPY4u4
Wtf, in response to mortgaage bond investors. I got some stock that went down, will the gov pay for that too?
Harp 3 has a twitter hashtag, that means its better.
#7..see yesterday post #85 (WSJ review)
http://online.wsj.com/article/SB10000872396390443686004577633320434651682.html?mod=googlenews_wsj
…The result, Ms. Rosin painstakingly shows, is virtually a reversal of the psychological landscape of the 1960s and 1970s. Then, men wondered why they should give up freedom and sex for marriage, child care and the burden of financial responsibility; now it is women asking that question. Then, men complained of clinging, freeloading wives; now Ms. Rosin hears repeatedly from women that, in the words of one executive, women should “be very careful about marrying freeloading, bloodsucking parasites.” Then, it was women who tamped down their aspirations, knowing the objective unlikelihood of attaining them; now it’s the men who have “fear of success” and a “why bother?” attitude. Then, if women had casual sex it was to keep the guy happy; now many have casual sex for their own pleasure and to keep from being derailed from their career goals with something “serious.”…..
10. Someone told her she was funny once.
And Harp 2 is just getting into its groove:
http://www.fhfa.gov/webfiles/24274/Jul-12%20Refi%20ReportFINAL.pdf
From National Mortgage Professional:
HARP Refis Maintain Strong Pace in July
►Fannie Mae and Freddie Mac refinanced 519,339 loans in the first seven months of this year through HARP—more than all HARP refinances—400,024—last year.
►Since the program’s inception in 2009, Fannie Mae and Freddie Mac have financed more than 1.5 million loans through HARP.
►Borrowers in June and July 2012 with LTV ratios greater than 105 percent accounted for more than half the volume of HARP loans as lenders began to sell Fannie Mae and Freddie Mac securities containing these loans with LTV ratios greater than 125 percent as of June 1.
►In July, 20 percent of underwater borrowers chose shorter-term 15- and 20-year
mortgages, which help build equity faster.
►In July, HARP refinances represented nearly 60 percent or more of total refinances in states hard-hit by the housing downturn—Nevada, Arizona and Florida—compared with 27 percent of total refinances nationwide.
►In Nevada, Arizona and Florida, underwater borrowers with LTV ratios greater than 105 percent represented more than 70 percent of HARP volume in July.
I did HARP 2.0 last month,it was very easy.One phone call and it was history. I did not pay a dime to refi. I checked records,they even paid $130 recording fee. I was not underwater but dont meet 20% equity. Got my pony beeeeec
Wanted to share recent chat with neighbor in our townhome complex which has some affordable housing appts. She’s a nice divorced mom with 1 son who’s an admin at a nearby company. She mentioned she had the opportunity to go after a promotion but decided not to because the salary increase would likely bump her from her low income status and she’s lose out on all the great NJ bennies – everything from low rent, to $10 spading for pets, so letting that opportunity pass on by! Was amazed but not surprised…
NJ July HARP Refis
Total – 2,370
Freddie – 937
Fannie – 1,433
I should say my wife got a pony.I applied in June.They had to wait for my July payment before closing.Skipped August payment and bought my wife 1kt SI diamond earings from Woodbridge Diamond Exchange.September was my first payment.I went from 5.6% 30 years to 3.0% 15 years.$97.00 more a month
lurk (18)-
Wonder how she will be voting this November.
#2 grim: The recession is letting up? Gee last week’s employment numbers say otherwise. Just saying.
The recession is letting up and the housing inventory is going down
Boys fail, Men don’t. For those who missed great TV last night, the conclusion of Bachelor Pad was why Men win. At the end, the final couple goes to a room and gets to pick a choice, share 250K prize or Keep 250K prize, If both pick keep they get nothing, if both pick share they get 125K and if one picks keep and other picks share the one who picks keep wins whole pot. Man figured the women would be weak and when he suggested they both do share to guarantee 125k each he then went and picked keep and kept it all. Men can be ruthless more so than women.
However, today we have boys working. Many people my age were born to immigrants with no money, had no business connections, could not afford a top tier college, we married had stay at home wives and 3-4 kids each. In the end, we had a wife, a few kids to support and parents and maybe inlaws to help out. The whole rock was on the back, promotion time, raise time we would gladly push you under the bus, get in the bus and then back the bus over you.
Most kids I have working for me in last ten years are not hungry. In particular the men are not hungry. Parents have money to bail then out, wife plans on working so need less income and many only have 1-2 kids and parents help out. Heck one guy goes to me I have one kid it is tough, I go all four grandparents are alive and live nearby, you have childcare, you have a baby sitter and two parents. That is 8 people splitting watching one kid. My Mom had four kids under the age of 7 and she did it by herself as my dad worked like 70 hours a week. I get oh it was different back then. It was different only in sense men were men.
All four of my brother in laws have working spouses. Play golf, goof off, dont care about money, have an inheritance coming to take care of retirement etc. I dont have an inheritance coming and dont have a working spouse. I easily make more than the four of them combined. They aint hungry. The downfall of man is that boys had a mommy till they were 18 and they became a Man. Today boys have a mommy for life in their wifes. Boy with mommys at home even at 40 are losers. My neighbors wife made him a man at the tender age of 48. Idiot always had a cushy job, make wife work only wanted two kids, lazy around house, fishing, gold etc. Then he got laid off and decided to relax for a year or two. So guess what wife goes guess what I am pregant, it is the third at 42, I am quitting work today, I am throwing whole rock on your back, get a real job support this family and be a MAN, if you cant be a MAN, I am going to have a long talk with your parents why you turned out this way, then the next week I am divorcing you and you will never see your kids again.
That was a 50/50 roll of the dice for her. But guess what one year later he was busting his hump at a real job, had staff and moved forward, they even had enough to buy a new minivan.
Ladies, men become the man you make of them. Throw the rock on their back and let them fail or succeed.
Essex says:
September 11, 2012 at 6:31 am
Why Men Fail
[6] grim,
Christie should blame Corzine and McGreevey at every turn.
After all, if the dems think its legit to keep blaming Bush, it is certainly legit for Christie to blame the guys who shoved the car off the cliff.
Ah, no matter. NJ and its morass will soon be in the rear view mirror. I’ll only have to endure it briefly on trips to Boston.
23. JJ, you live a dream world baby. Working spouses are important to most folks as one salary, one piddly salary even for ‘men’ who pull in tons of revenue for their firms is completely flat lined. One reason I hate bankers, besides their habit of sucking the life out of the economy and then thinking they are doing “God’s work” when in fact it is satan they are aligned with, is that they believe way too much of their own bullsh*t.
[7] sx,
Gloria Steinhem once observed “we are becoming the men we wanted to marry.”
26. I married a better man than me. Believe that.
I came from a man’s world. The dad that pushed me relentlessly and knocked the crap out of me, until it was I that fightened him. The supportive nagging mom who loved me unconditionally, but insisted that I be “nice”. I rocked huge amounts of revenue for both growing and dying firms working with people who barely had enough sense to tie their shoes. Then macroeconomic factors kicked in. That really separated the men from the boys and I went the tiny startup route. Built their business with two marquis clients they held onto for two years. Then I decided. F*ck it. I’m done.
The recession is letting up? Gee last week’s employment numbers say otherwise. Just saying.
Yes, but improving at a rate that is below what we would like or slower than we hoped for, is still improvement nonetheless.
http://4.bp.blogspot.com/-k7RQY9fLKI4/UEnreIp4QFI/AAAAAAAAQcE/zKNB4LWU8LY/s1600/PayrollAug2012.jpg
leave already.
24. NJ and its morass will soon be in the rear view mirror.
JJ – I told my wife to quit working the week we got married. She refuses, to quit. Whenever she gets home from work and starts to complain about work I tell her to shut-up with her caterwauling and quit already. What else can I do, to be a REAL MAN? I knocked her up a couple of times already and she keeps on getting up in the morning and going to work. I am thinking I should take a page out of Pat Robertson’s book and move to Saudi Arabia where I can beat some sense into her.
http://gawker.com/5941983/pat-robertson-tells-man-to-move-to-saudi-arabia-so-he-can-beat-wife-legally-of-course
13:
“Then, if women had casual sex it was to keep the guy happy; now many have casual sex for their own pleasure and to keep from being derailed from their career goals with something “serious.”…..”
Bring it on.
[30] [not the real] gary
Not to worry. Moving trucks are scheduled. Me and our taxable family income will be gone next week.
Actually, our taxable family income is already safely across the Delaware.
[30] Not Real gary
Here’s how you say that in french!
http://www.newstatesman.com/blogs/staggers/2012/09/french-newspaper-frances-richest-man-get-lost-you-rich-bastard
I used to be recommended this web site by means of my cousin. I’m no longer positive whether or not this put up is written by way of him as nobody else know such detailed about my difficulty. You’re amazing! Thanks!
I don’t leave in a dream world. But I also love making money and not spending money. BTW, do you pull in revenue? I doubt it. Here is my reason. When I was in consulting I sold a few million in projects, actually double what other people did. Come bonus time I got an extra $1,000 bucks and the Partner who I sold the work for got in his bonus check like $250K. When I asked the partner about it, he told me I sold nothing. He said I was one that was smart enough to promote you, saw your sales ability, got you on my team, the firm was smart enough to hire you in first place. Therefore, it is are credit to take. He was right. If staff do a great job, guess what I hired them. I motivated them, I kept them from quitting. He opened my eyes up. He was right.
Essex says:
September 11, 2012 at 9:03 am
23. JJ, you live a dream world baby. Working spouses are important to most folks as one salary, one piddly salary even for ‘men’ who pull in tons of revenue for their firms is completely flat lined. One reason I hate bankers, besides their habit of sucking the life out of the economy and then thinking they are doing “God’s work” when in fact it is satan they are aligned with, is that they believe way too much of their own bullsh*t.
#29 Grim: True. But still does not say much. I understand that with a “improving economy” slow as it might be, that some who were sitting on the fence may jump into the home buying arena, but for those who are recently employed ore reemployed rinning out to buy a house is not their first priority.
On the 3 row car buying front, leaning towards the Mazda 5 or the Hyundai Santa Fe when the 2013 comes out in January. Will probably just get the 5. It can be had for under 20K too with 0% financing for 3 years.
In other news, my folks recently sold their Jackson home and purchased a new home in Boynton in FL. They chased the market down on their Jackson home to the tune of close to 100K. Though they made up for it on their new purchase.
Just curious as a working man how much do you have to make a year for your wife to stay home? BTW I was making absolute peanuts when I go married. Even less than my wife. When I married. my wife and I had no savings really, she moved in with me and got pregant 11 months later and after 20 months of marriage she quit work for good. Threw the rock on my back. Guess what the rock felt great. I was able to raise my salary a ton in next ten years.
The catch 22 I get from young married staff when I was a mentor was neither could afford to quit. They then would say if they made what the sr. mgt dmgt at one point made decision which spouse had better shot at moving up and the one spouse quit. Several years of pizza coupons and beat up used cars till the one spouse career took off. I said you both cant be juggling child care, you come in late she leaving early, unable to go on business trips, unable to work late. You are entering a trap where both will have to work for life and by the time you are 45 your combined salary will be less than the single salary of the one income family. Most did not listen. They cant give up their iphones, gym memberships, leased cars and facials for 2-5 years in order to move ahead.
Last guy I had OMG, it was like pulling teeth could not take a business trip, could not work late, could not come in early, every time kid was sick or nanny was sick last minute day off, then his wife had a nasty boss and she would get upset and call him for like an hour every day for grief couseling. Then on top of that with no one home I get we have a plumber coming, other random emergencies. Then he comes waltzing into my office asking about a promotion. I was like really. There is a rule I follow called the foxhole rule. If I dont want you in a foxhole with me I dont want you as a manager or above. In a foxhole in the other guy falls asleep or does not pay attention you both get shot. You have to trust other guy even though you cant check up on him. This guy did not pass the foxhole test. Too much on his plate, I guess once that work was not even in the top five on his plate.
Essex says:
September 11, 2012 at 9:03 am
23. JJ, you live a dream world baby. Working spouses are important to most folks as one salary, one piddly salary even for ‘men’ who pull in tons of revenue for their firms is completely flat lined. One reason I hate bankers, besides their habit of sucking the life out of the economy and then thinking they are doing “God’s work” when in fact it is satan they are aligned with, is that they believe way too much of their own bullsh*t.
Bye bye NJ.
http://www.nj.com/bergen/index.ssf/2012/09/packaging_company_takes_342_million_incentive_to_leave_moonachie_for_pennyslvania.html#incart_river_default
Nom,
Enjoy the daily specials at the Cracker Barrel and the Olive Garden :P
Mazda is closing all manufacturing plant in the US
40 – Better Lehigh than Jiangxi, that’s what I always say.
Hey, coward c0cksu.ckers, stop posting using my name.
Yo,
Why would that be a problem?
JJ, check out this video. The scientific theory regarding your former boss’s behavior is called the “weak n’ sh1t” principle.
Funny, your story reminded me of this presentation where an economist studied the organazation and behaviors of a Chicago gang during the height of the crack epidemic in the 90’s. Their behaviors were eerily similar to many corporate structures today.
http://www.ted.com/talks/steven_levitt_analyzes_crack_economics.html
36.JJ’s Realtor says:
September 11, 2012 at 10:03 am
I don’t leave in a dream world. But I also love making money and not spending money. BTW, do you pull in revenue? I doubt it. Here is my reason. When I was in consulting I sold a few million in projects, actually double what other people did. Come bonus time I got an extra $1,000 bucks and the Partner who I sold the work for got in his bonus check like $250K. When I asked the partner about it, he told me I sold nothing. He said I was one that was smart enough to promote you, saw your sales ability, got you on my team, the firm was smart enough to hire you in first place. Therefore, it is are credit to take. He was right. If staff do a great job, guess what I hired them. I motivated them, I kept them from quitting. He opened my eyes up. He was right.
Lib
Just saying,some here prefer made by Americans
Looks like Mazda 5 is only manufactured in Hiroshima. Can’t wait to tell Gator.
Yo,
I prefer my cars to be made where American’s blow up innocent Japs. (channeling JJ)
“To succeed today, you have to be able to sit still and focus attention in school at an early age. You have to be emotionally sensitive and aware of context. You have to communicate smoothly. For genetic and cultural reasons, many men stink at these tasks.”
What women has he worked with? Women are a PITA, I would take a male coworker or boss any day over a woman.
Nom [26];
I thought the observation is that Feminists have become the men that their mothers divorced?
50 –
Didn’t JJ post something a few weeks ago about one of his wife’s friends who motivated her husband by giving him a BJ then asking him to do work while he was still in a fog?
Maybe this is why we see more women bosses today?
I once offered to help a girl move and I was only getting a hand job at the time.
Brian says:
September 11, 2012 at 11:36 am
50 –
Didn’t JJ post something a few weeks ago about one of his wife’s friends who motivated her husband by giving him a BJ then asking him to do work while he was still in a fog?
Maybe this is why we see more women bosses today?
Juice [40];
They’re a pharma packaging company. Precious little reason for them to be in NJ any longer.
From yesterdays question about tire repair:
106 – yo
Thanks. I go to BJs but will have to check out if they have a similar deal and maybe the wait is not quite so bad.
113- Ben. Thanks, didn’t imagine a place like Firestone or STS could be cheap but maybe I should go that route. The local shop I went to was in no way desperate for business. Could not find a spot to park my car in his lot, guy stays really busy. Maybe good for my regular auto work but avoid for future quick jobs?
114 – Brian, $10! wow. don’t think i can get that low here in union county though.
115 – Libtard, thanks, will def. try Firestone place next time. Nail was not in sidewall so knew it could be fixed. I think my issue was going to a place that has a great reputation for fixing cars and they would rather spend the time fixing big jobs than small stuff like this.
118 – Pain, I was the one needing to fix the tire and my repair kit was so old, no longer good, didn’t have time to do repair on my own, needed to get kids transported etc. asap and wanted the donut off quick.
mikeinwaiting, no rush on the paving estimate, though I am still interested so let me know.
Libtard, missed the car selection process, is there a brief summary you can refer me to, especially if its in reference to an inexpensive SUV with 3rd row seating. Trying to avoid the minivan myself but really need a few extra seats. Esp. if the 3rd is something a preschooler could easily crawl back into.
I usually like to do stuff on the cars myself to save money but at that price why even bother right?
114 – Brian, $10! wow. don’t think i can get that low here in union county though.
[2] grim – older boomers getting ready to sell – This is exactly what I’ve been harping on for coon’s age. I think it will play play out unexpectedly as the 65-year-olds in the blue ribbony start to edge toward the exits, slowly and slyly. Then the rest will start to notice their long-time neighbors vacating, and then you’ll see the inventory you were looking for as they trample each other to get out.
Does it have 3rd row seating for the kids? Sounds better than a minivan. Maybe I can get one certified preowned.
119.Ernest Money says:
September 10, 2012 at 11:29 pm
Learn how to change the tread on a Bradley. Tires are for chickenshit losers.
120.Ernest Money says:
September 10, 2012 at 11:30 pm
Read this, and get back to me, bitch.
http://armyordnance.tpub.com/Od0456a/
Brian,
Looking for a vehicle with more than 5 seats that is devoid of bells and whistles like auto closing doors and hatches. Would love better gas mileage too. The Mazda 5 looks great, but maybe too small. The price is irresistible though. I’ve heard nothing but good things about Hyundai recently and the remodeled Santa Fe also sounds like a great value compared to the Pilot and Highlander. I am simply not a fan of American cars.
Best car I ever had was a 90 toyota celica.I had it for 16 years 185,000 miles did nothing to it except for belts,brakes and plugs. batteries.I did the plugs myself.Car will just not die, I ended giving it to a out of town college kid to drive around. Second is a 2000 Merc C class.175,000 miles.Air broke needs a evaporator.I figured there is only 3 months of summer dont really need to spend $3,000.That is how much is its trade in price.Drives like new.I will just wait for it to die.$800 in insurance
I still see that model Celica on the road today
NEW YORK — The wealth gap between the richest Americans and the typical family more than doubled over the past 50 years.
In 1962, the top 1% had 125 times the net worth of the median household. That shot up to 288 times by 2010, according to a new report by the left-leaning Economic Policy Institute.
That trend is happening for two reasons: Not only are the rich getting richer, but the middle class is also getting poorer.
Most Americans below the upper echelon have suffered a decline in wealth in recent decades. The median household saw its net worth drop to $57,000 in 2010, down from $73,000 in 1983. It would have been $119,000 had wealth grown equally across households.
The top 1%, on the other hand, saw their average wealth grow to $16.4 million, up from $9.6 million in 1983. This is due in large part to the growing income inequality divide, as well as the sharp rise in value of stocks over the period.
Net worth counts all assets including real estate holdings, minus debts.
“The distribution of wealth is way more unequal than the super-unequal distribution of income and wages,” said Heidi Shierholz, an economist with the institute.
The biannual report, titled The State of Working America, looks at the changes in income, jobs, mobility, poverty, wealth and other areas in recent decades, as well as during the Great Recession.
The effects of the Great Recession
While the wealth and income gaps have been expanding for decades, the report shows that the trend was accelerated during the Great Recession. Median family income was 6% lower in 2010 than a decade earlier.
As for wealth, while the housing bust and the spike in unemployment hurt people at all levels of the spectrum, it affected middle-class and lower-income Americans to a greater degree.
The average wealth of the top 1% dropped just 15.6% between 2007 and 2010, while the median net worth of American households sank 47.1% That large decline in median wealth is largely responsible for driving the gap to such heights.
Homeowners at the bottom of the wealth distribution were, on average, underwater, meaning they had no equity in their homes because their mortgages were more than the property’s value.
The Great Recession hit black and Latino households particularly hard. It wiped out half the wealth of a typical black household, leaving them with a median net worth of $4,900. And the median wealth of Latino families plummeted 86.3% to $1,300.
This compares to $97,000 for white households.
Part of the reason for the eye-popping statistics is because blacks and Latinos had a relatively small amount of net worth so the drop is larger in percentage terms. Also, their homeownership rates grew faster than whites’ during the housing boom, but fell further when it collapsed.
The typical black and Latino households don’t own any stocks, and the typical black family has no home equity.
Overall, the widening of the wealth gap in recent decades is due to two things, Shierholz said. The increase in income inequality means the wealthy have more to save and invest every year. Furthermore, the growth of Wall Street means that the rich, who are much more likely to own stocks, accumulated wealth even faster.
“The growth in wealth we did see got funneled to the top and it didn’t spur faster growth in the middle,” Shierholz said.
[59] Lib – 5+ seating – This may sound like an odd choice, but 9 years ago we took a couple winter weeks in Florida and they messed up my car reservation for a mid-size car and upgraded me to a Buick LeSabre. We had just one child at the time and my parents came down and spent a week. The Buick had a bench seat in front (with arm rest stowed) and had 6 shoulder belts making it a legitimate 6 seater with flat floors, capable of transporting 3 adults front and 3 adults rear. On top of that it had a great ride, pretty good 3.8l six and returned in excess of 30mpg for the two weeks I had it, and I went through several tanks. It was so impressive as a car that could move parents, grandparents plus two kids that without being a mini-van that it was on our short list for several years. The trunk was so big we could put our stroller in the trunk without even folding it. Sadly they stopped making the LeSabre in 2005, so a used car would be a 7 year old car now. On the plus side, it’s the kind of car you’re likely to find in some Octogenarian’s garage with less than 20K miles on the clock.
Just my humble oppinion…The Santa fe even looks cool. That Mazda 5 though, ugly as hell. The extra $5k I guess went to the design team.
I don’t really care about make or model. I guess it would be a feel good kind of thing to buy American but, I don’t care either way.
And if we’re using the scientific metric of “how many I see on the road today”….I always see a ton of old Chrysler and Dodge minivans riding around…..
http://armyordnance.tpub.com/Od0456a/
59.Libtard in Union says:
September 11, 2012 at 12:14 pm
Brian,
Looking for a vehicle with more than 5 seats that is devoid of bells and whistles like auto closing doors and hatches. Would love better gas mileage too. The Mazda 5 looks great, but maybe too small. The price is irresistible though. I’ve heard nothing but good things about Hyundai recently and the remodeled Santa Fe also sounds like a great value compared to the Pilot and Highlander. I am simply not a fan of American cars.
Junk Bonds Set Record-Low Yield Yet Again, Now at 6.527%
Now that is crazy low.
The U.S. has long touted its record of sending disadvantaged children to college. That pride is now misplaced, a study found.
The odds that a young person in the U.S. will go to college if their parents haven’t — 29 percent — are among the lowest of developed countries. That’s according to a report released today by the Paris-based Organization for Economic Cooperation & Development.
The results indicated the challenge of one of President Barack Obama’s economic and educational goals: increasing college attainment in the U.S. relative to other countries. The U.S. ranks 14th among 37 countries in the percentage of 25- to 34-year-olds with higher education. A generation ago, the U.S. ranked among the top in the world.
http://www.bloomberg.com/news/2012-09-11/college-dream-dashed-for-children-of-the-less-schooled.html
Brian,
I’m driving a near 18 year-old Civic hatchback. I wouldn’t care if my car looked like one of JJ’s ‘non-fantasy’ college dates.
What’s that a 94? That’s not a bad looking car.
67.Libtard in Union says:
September 11, 2012 at 1:56 pm
Brian,
I’m driving a near 18 year-old Civic hatchback. I wouldn’t care if my car looked like one of JJ’s ‘non-fantasy’ college dates.
NO, GM IS NOT LOSING $49K ON EVERY VOLT; REUTERS JUST FAILS AT BASIC BUSINESS MATH
If there’s one characteristic that distinguishes conservatives from liberals, it’s business acumen, right? Libruls may occasionally be able to sell some patchouli-scented hemp-based iPod cozies at the Lesbian Sisterhood crafts fair, but conservatives are the folks who REALLY understand how Bidness works! That’s pretty much the premise of every Republican campaign in the last 30 years, after all. So how is it that when a journalist made a pretty obvious error in a story, the supposedly business-savvy folks in the right-wing blogosphere went nuts passing on the story’s erroneous conclusions?
Here’s the skinny: A Reuters story on Monday featured this shocking lede:
General Motors Co sold a record number of Chevrolet Volt sedans in August — but that probably isn’t a good thing for the automaker’s bottom line.
Nearly two years after the introduction of the path-breaking plug-in hybrid, GM is still losing as much as $49,000 on each Volt it builds…
ZOMG, said the wingnutosphere, Government Motors (get it? get it?) is losing tons of money — our money!! — on every single one of those horrible cars that nobody wants and that Obama’s socialist vehicular commissars forced GM to build as a condition of getting a bailout with OUR MONEEEEEE!!!!!!!
Only that’s not, like, accurate at all.
As this International Business Times analysis points out — with the kind of patient tone one would use when telling a five year old that, no, the department store’s escalator will not eat your feet — the Reuters loss-per-vehicle estimate is based on crappy math that NO ONE IN BUSINESS WOULD REALLY USE. (Caution: Math follows. Do not be afraid. We understood it, and we were English majors.)
Reuters derived its loss-per-unit estimate by dividing the total development cost for the Volt (between $1 billion and $1.2 billion) by the number of Volts sold to date (about 21,500 so far), then adding in the estimated production cost per car (“between $20,000 and $32,000, a wide margin to be sure”) and subtracting the price for which each Volt sells (base price $39,145), which gave them that $49,000 loss figure.
Unfortunately, Reuters screwed the mathematical pooch in that first bit of ciphering:
The issue with Reuters’ math, though, is that it only takes into account the 21,500 Volts sold so far, as if GM would never sell another one. If that is taken to be true, then each Volt sold has cost GM around $55,000 in development costs. However, each Volt sold spreads out the development costs incrementally, pushing down the R&D cost per unit. GM has acknowledged that it has not yet sold enough Volts to break even, but it suspects that it will reach the break-even point by the time the second- generation Volt is introduced onto the market in about three years’ time.
Once again, we must emphasize that we are mushy-headed liberal arts majors, not business majors, but it seems like a pretty major fail to assume that the development costs of a new technology represent an irrecoverable loss. And the Reuters story even acknowledges (about halfway through) that the average per-unit costs for “development and tooling costs…will, of course, come down as more Volts are sold.”
But look at the capitalism experts at sites like The Blaze, or Free Republic, or Townhall, or the hideously named “Twitchy.com” — The typical comment goes something like this: “They’re losing $50K per car, but don’t worry, they’ll make it up in volume!!! HAW HAW HAW!” Um. Yeah. Actually, that is how development costs work. We thought you guys understood business?
The decision to develop the Volt, by the way, was entirely GM’s, and the program began in 2007. Just another example of time-travelling Obama interfering with private industry, we suppose.
Strangely, it seems like maybe the crazy libruls might understand manufacturing a bit more clearly when it comes to this story:
As the blog InsideEVs pointed out, rather sarcastically, in response to the Reuters feature, “In a related news item, I heard that Ford has delivered the first dozen C-Max hybrids, and it cost the company about $500 million to develop the program, and therefore Ford is losing $41,666,667 on every copy they sell.”
So remember, conservatives understand how businesses really work. And math is hard.
Lib ask if the background radiation is considered a standard feature
[42] yo,
Hope and Change!
It’s a 95 in red. My friends call it ‘The Shoe.” My son calls it, Lightnin’ McQueen.
#62 JJ’s Realtor: Just thinking out loud here. If the average home owner before the boom had a house worth around 250k (assuming no equity extraction etc.), and for a brief couple of years the paper value of the home shot up to 500K, and is now back to say 250K or even 300K, has the owner really lost wealth. What if the boom never happened? Just thinking out loud/
Remember a 18 year old civic is expensive to insure. Back when I lived in Manhattan my mercedes had classic car insurance and was eligible for discount registration and discount inspection and no emissions test. Insurance, registration and inspection combined was around $79 bucks a year. Even better my friends parents bought classic cars for their business and depreciated them, yet they rose in value each year. In the end they sell them for cash in driveway and like clockwork buyer would ask for a receipt for like $500 bucks to avoid sales tax. Friends parents would brag they get paid like $500 a month to drive their cars. Imagine buying a car for 30K depreciating it, selling it for 35k, getting a receipt for $500 bucks. Oh the tax code back in the 1980s
I’m driving a near 18 year-old Civic hatchback. I wouldn’t care if my car looked like one of JJ’s ‘non-fantasy’ college date
73
I would bet a lot of money an 18 year-old Civic costs next-to-nothing to insure.
Lib [59];
I also looked at the Mazda 5 hoping it was a smaller minivan alternative for the few times we needed a bona fide 5th passenger seat. Way too small for its stated purpose, even if its just the kids sitting back there. Reminded me of the rear seats in the 2+2 sports cars of the 80’s & 90’s (2 seat cars are statistically more expensive to insure, so they build things like a 280/300z with a back row that only pygmies could fit in. POOF! 4 seat car, lower insurance, no one ever really sits back there: everybody happy).
My usual MO is to drive a car into the ground; donate whatever’s left, or if it can be sold for $500 as a bona fide beater, do so. My weakness is that I like to buy new so I don’t have to repeat the process as often.
I’m now resigned to looking at crossovers w/ a 3rd row (rules out the Santa Fe from 2010 on). I couldn’t plan to get too much for the wife’s CR-V considering the body damage she’s put on it. Within 2-yrs of the wife driving the CR-V any hope of trading that up while despite the model’s generally good resale value vanished. Its nothing major, but visual enough to kill the whatever curb appeal it might have in a private sale. A dealer probably wouldn’t blink at it in trade, but then a dealer is screwing you on the trade anyway. Now she wants something with a 3rd row; I want to trade my commuter car for something with AWD before winter hits here in the highlands of NJ. I’d rather not take on two new cars at once. I can use the CRV as a commuter, but it doesn’t get the kind of mileage that I’d like from a daily commuter. I can find AWD that does better.
Not to mention that once, just once, I’d like to drive a car that hasn’t been beaten up by my wife first.
Hyundai Elentra was the first car I could afford a decade ago. Six years I owned it (needed a bigger car eventually with two kids), and not one major mechanical problem other than a sparkplug replacement and a bulb for the headlights. I won’t compare with other cars because I don’t have much basis, but based on my experience reliability is a non-issue for Hyundai.
59.Libtard in Union says:
September 11, 2012 at 12:14 pm
Brian,
Looking for a vehicle with more than 5 seats that is devoid of bells and whistles like auto closing doors and hatches. Would love better gas mileage too. The Mazda 5 looks great, but maybe too small. The price is irresistible though. I’ve heard nothing but good things about Hyundai recently and the remodeled Santa Fe also sounds like a great value compared to the Pilot and Highlander. I am simply not a fan of American cars.
hyundais, mazdas, hondas…sometimes i can’t believe i slum it around here.
did i mention that i have an old mercedes?
Grim # 16,
HARP on this.
In all years prior to the Office of the Comptroller of the Currency’s October 2011 absorption of the Office of Thrift Supervision, there were hardly any HARP et al refi’s.
No, it wasn’t the OTS’s fault. It was the banks who didn’t want to realize losses on existing loans, on assets, etc. It’s all been a sham as to how the OCC is suddenly successful. Nothing but auditors there now. All the work was processed by the OTS guys, who, along with the applicants were put through the ringers by the banks.
The OCC dumped disrespected OTS workers en masse, and hired incompetent clerks to open envelopes.
(Hey, don’t change the point, no, I didn’t work there.)
Yeah, it’s that time for the political body/banking industry to buy votes and put that lipstick on the sow.
Here she comes…Pucker up!
Back in the 1990s my regular car with the bare min insurance was $500 a year, My classic car with full theft, coll, glass was $19 dollars a year. My mother used to laugh she never had an accident in her life and was paying $800 a year and I was paying $19 a year for a car that although was rarely driven I would say could have been in a major lizzie grubman type accident.
Today my BMW with full theft etc is $1,800 a year, almost 1oo times my old rate. BTW old cars are a pain today, mechanics suck they cant fix them. The skill set is long gone, you need to scout for parts and fix them yourself.
joyce says:
September 11, 2012 at 3:05 pm
73
I would bet a lot of money an 18 year-old Civic costs next-to-nothing to insure.
JJ
Everytime you mention your Merc convertible, I pictute Pam Ewing driving hers. You are one step up from a hairdressers Miata.
But it will always hold some trade http://m.jalopnik.com/5942140/a-b*llsy-guy-is-selling-a-car-to-fund-half-of-his-vasect*my?utm_campaign=socialflow_jalopnik_facebook&utm_source=jalopnik_facebook&utm_medium=socialflowvalue for you.
Replace the ‘*’
1990 Pontiac Bonneville LE Sedan 4-Door V6 3.8LResearch 1990 Pontiac Bonneville
Pontiac : Bonneville LE Sedan 4-Door
Item Location: Garfield, NJ, United States
62,000 original miles, $1,000
So I went on-line to give an example of how cheap you can get a car. This car is over 20 years so qualifies as a collector car. So you can insure it for like $100 a year. It is in perfect condition. Anyone who just needs a cheap car, just get an old mans buick or pontiac over 20 years old with low milage, and call it a classic
in #73 I say that an old car is expensive to insure
in #81 I say an old car is only $100 a year to insure
http://www.imcdb.org/vehicle_6419-Mercedes-Benz-450-SL-R107-1980.html
http://www.imcdb.org/vehicle_79640-Mercedes-Benz-450-SL-R107-1979.html
http://www.imcdb.org/vehicle_65890-Mercedes-Benz-450-SL-R107-1974.html
http://www.imcdb.org/vehicle_308270-Mercedes-Benz-450-SL-R107.html
http://www.imcdb.org/vehicle_469995-Mercedes-Benz-450-SL-R107.html
http://www.imcdb.org/vehicle_3412-Mercedes-Benz-450-SL-R107-1974.html
wonder women, dallas, rockfordfiles, charlies angels, incredible hulk, chips, columbo, kojak, all had 450sls in the shows. Most were horid 70s colors, mine was orginally silver with a black leather interior and for 1975 that was an unusual color as people bought like, yellow, orange and brown cars back then. Todays cars are boring as my bmws looks like an altima
Old car meaning my for instance my 1998 Taurus in 2007 was $1,200 a year to insure while in 2007 my old mercedes was $129 a year insurance. It went up since the 90s.
Old cars are expensive to insure vs their value, collector cars are cheap to insure vs. their value.
Then again I had a major accident with my Taurus with a brand new Lexus. I would have been more alert in my mercedes, guess people in old non classic cars think a beat up 1994 Taurus Wagon vs. a mint 1964 mustang are more likely to crash it up.
JJ’s B.S says:
September 11, 2012 at 3:55 pm
in #73 I say that an old car is expensive to insure
in #81 I say an old car is only $100 a year to insure
Was out for a ride the other day in Tewksbury and saw a FSBO and had to take a look. Asking $750,000. 20 acres (with power lines running through the paddocks), underground 1000 gallon oil tank which owner has no desire to remove, house is complete late 70’s early 80’s decor-paneling, appliances, bathrooms, etc. Roof is 30 + years old. Barn is in good shape though! I know Tewksbury is haughty but really? Just curious what other posters think the value of this home is.
http://www.horsesforsalehorseclassifieds.com/property/details/3026492956/75-farmersville-road/califon/nj/califon-three-br-four-ba-great-location-private-and-stylish
Mrs Fab has been complaining about the stay at home gig. Her old boss offered to hire her back, so I sent her back to school. I signed her up for a graduate open house in Civil Enginering, she came back signed up for architechure. While it bites that the graduate courses are twice the cost of the undergraduate course, the tuition cost plus daycare for my third is a cheap price to pay for keeping her home and giving me the flexability to do my job. It will take six years part time with a further three years working to get fully licensed . At that point the other kids will be hitting college and she should be able to start working for herself doing something she’ll be happy with and ‘ll retire to the golf course.
Oh, hey, real estate, right. How about this Saddle River beauty. Oh, and what a coincidence. It got a mass media slide show tour, peep show into lives of the rich and famous, AND wouldn’t you be surprised if it happens be for sale! (No MLS listing apparent yet — thought perhaps a property like this doen’t want or need one.) Some unsuspecting buyer won’t believe their good luck.
Again, have to wonder if the LA’s back or knees hurt more after getting this piece placed.
I’m shocked, shocked. . .
http://www.cnbc.com/id/48988230
#84 Hard to tell value when there are no photos posted anywhere of the interior of the house. From the outside looks nice, but your description sounds like a neglected property. What are the taxes?
Did you do the math? If she held off starting school to first kid was in college the extra person in school might give your kids a free ride if she is also full time. Mike Brady was able to support eight kids off an architect salary and a housekeeper, stay at home Mom and Sam the butcher
Fabius Maximus says:
September 11, 2012 at 4:17 pm
Mrs Fab has been complaining about the stay at home gig. Her old boss offered to hire her back, so I sent her back to school. I signed her up for a graduate open house in Civil Enginering, she came back signed up for architechure. While it bites that the graduate courses are twice the cost of the undergraduate course, the tuition cost plus daycare for my third is a cheap price to pay for keeping her home and giving me the flexability to do my job. It will take six years part time with a further three years working to get fully licensed . At that point the other kids will be hitting college and she should be able to start working for herself doing something she’ll be happy with and ‘ll retire to the golf course.
#89 JJ
We all know Mike was living off Carols alimony check! When my first kid hits college, I send her back for her PE license.
Poll shows that jobless are not backing Romney. That makes sense. Why should they?
We’ve reached the Alexander Tytler tipping point.
[85] fabius,
You realize that golf is a bourgeois game favored only by enemies of our glorious November Revolution? You need to be re-educated.
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