GTG Alert –NJRER GTG now scheduled for Thu 8/29 from 6:30 PM ’til whenever; venue — Montecristo Lounge at J&R Cigars, 301 Route 10 East • Whippany, NJ 07981 (973) 887-0800 (http://www.jrwhippany.com/index.cfm?page=lounge).
————————————
From the Record:
Rental properties spark leap in N.J. housing activity
Home-building activity in New Jersey has risen 32 percent so far this year, propelled by construction of rental apartments — another sign that the housing market is healing.
Through July, the state had issued building permits for 13,234 housing units in New Jersey, compared with just over 10,000 for the same period last year, the U.S. Census Bureau reported Monday.
“There’s an acceleration in activity,” said Patrick O’Keefe, an economist with CohnReznick, an accounting firm with an office in Roseland. “While we’re not back to the go-go days of 2005, we have gotten back to a more sustainable pace.”
The state is on track to start more than 22,000 housing units this year — above the nearly 18,000 begun last year, but below the housing-boom peak of 38,588 in 2005, and under the historical average above 30,000.
Multifamily construction accounts for more than 57 percent of the state’s permits so far this year. That has been the trend in recent years, as demand has climbed for rentals in the face of foreclosures and tighter mortgage lending standards.
Bergen and Hudson counties are the busiest construction markets in the state, with projects that include the Modern, a 47-story high-rise in Fort Lee that’s part of that town’s long-delayed downtown redevelopment; an AvalonBay building in Hackensack, next to the Shops at Riverside; and new buildings in Edgewater and Fair Lawn, as well as along the Hudson River in West New York.
Russo Development of Carlstadt is building a 296-unit apartment complex a half-mile from the Kingsland commuter train station in Lyndhurst.
“Multifamily is where the demand is now,” said Russo spokeswoman Lisa Sikora. “We’re seeing a lot of twenty-somethings who, before, only wanted to live in New York City or along the [Hudson River] Gold Coast. We’re seeing that demographic become more comfortable near a train station but with a more suburban lifestyle.”
…
ince the housing bust, “we’re just seeing that a lot of people don’t feel comfortable buying; they’d rather rent than own and take the risk of losing their equity,” said Joseph Langan, president of River Drive Construction. In addition, he said, mortgage underwriting standards are so tight that many people who’d like to buy can’t qualify for a loan.Banks are generally much more willing to lend builders money to put up rentals, rather than for-sale homes, Langan said.
Last year, about 18,000 housing permits were issued in the state, an increase over the 13,000-a-year average that prevailed from 2009 to 2011. About 12,400 units were built in 2009, the fewest since World War II.
Nationally, home permits are running about 25 percent ahead of last year’s pace. About one-third have been for multifamily units.
The rebound in home building is not the only sign that the housing market is recovering from the worst bust in decades. Home prices are also rising in the state, although not as quickly as in the nation as a whole, O’Keefe pointed out.
“We’re recovering more slowly, but the momentum is at least in a positive direction,” he said.
You read wrong fortune cookie
Frist.
Not.
My brother is buying a home in Monmouth County. Need the name of that inspector you all rave about. Thanks in advance.
Peter Bennett – http://www.afullhouseinspection.com
Tell him I sent you
From CNBC:
Obama source predicts Summers will be named Fed chief soon
A source from Team Obama told CNBC that Larry Summers will likely be named chairman of the Federal Reserve in a few weeks though he is “still being vetted” so it might take a little longer.
It’s largely come down to a two-horse race between Summers, a former Treasury secretary, and Fed Vice Chairman Janet Yellen for the next Fed chief.
Two horse race? More like two horses’ asses.
We’re doomed with either Yellen or Summers.
F;cking Chinese botnets
Vetted? Geither is leading the selection committee. At least we know Larry won’t care about us his Autism won’t let him. Be sure to stock up we are gonna double the money supply.
Grim block the entire subnet?
How to build a Botnet in 15 minutes:
http://readwrite.com/2013/07/31/how-to-build-a-botnet-in-15-minutes#awesm=~ofIvQYytj76rfA
Yellen is only being considered cause she is a women. Summers is better for the stock market and housing.
Multifamily in NJ is also do to all the asians moving in. White and Black folk like a single family home in a different town then their inlaws.
Indians, Philapinos and Chinese love to pack multi generations and rentals into housing and ilegal spanish get crammed five families into a house.
Our baseline view is that investors have mostly factored in an autumn reduction in Fed bond buying (so-called “tapering”), and that the majority of the near-term adjustment in interest rates has already taken place. The Fed knows the recovery is still tepid, and higher rates will slow it further. If higher yields start to impede the recovery, it would put pressure on the Fed to maintain or even increase accommodation. But there is the risk of rates rising faster than expected. Retail investors are becoming increasingly frustrated with bonds. Last week marked the fourth straight week of fixed income outflows, with investors selling over $7 billion in bond funds. If investors grow even more aggressive in selling their bond funds, long-term rates could breach 3% for a prolonged period, endangering the housing market and the economic recovery.
blackrock on housing
Tats, tweeting, twittering, texting, sexting and now twerking: We all know the inevitable demise of a once great nation is securely in place; convince me otherwise.
lunette carrera says:
August 27, 2013 at 8:57 am
Nowadays, I get back at Grim, he cheap tipper at Yim Sum Yung, I spam his site, you are rooton fortune cookiee, No tickee no shirtee for you.
Grim [6];
How much vetting can they really be doing. It’s been six years and they STILL haven’t vetted Obama…
WASHINGTON (MarketWatch) — U.S. home prices increased 2.2% in June, another month of fast growth but slower than May, with gains in all 20 cities tracked by the S&P/Case-Shiller gauge, according to data released Tuesday. In six cities prices rose faster in June than they did in May. Annual home-price growth hit 12.1% in June, remaining close to a multi-year high. “Overall, the report shows that housing prices are rising but the pace may be slowing,” said David Blitzer, chairman of the index committee at S&P Dow Jones Indices.
S&P Futures are down 17 pts and Dow Futures down 127 pts due to potential action in Syria.
Can anyone provide a link to the speech Obama gave denouncing the racial bias beating death of the WWII vet in Spokane? I can’t seem to find it.
[19] Eddie,
Its next to the speech denouncing the killing in Oklahoma, and right after the speech he gave about seeing that the laws be faithfully executed. anon can get you the link.
What was the name of that former Iraqi General who said all of the chemical agents were moved to Syria during the Iraq buildup? Hmmm… interesting.
Nom [20],
I believe Oblama stated that the WWII Vet could have been his uncle. Isn’t that what he said?
Some time back I seem to recall that there were some on the left who suggested I was a wing nut for postulating that the dems wanted to limit access to guns and ammo by making them prohibitively expensive. This would have been done with steep taxes and fees. I was flatly told that I was delusional for suggesting that the dems would ever do that.
Uh huh. http://newyork.cbslocal.com/2013/08/22/pascrell-pushes-for-higher-taxes-on-guns-ammo/
[22]. Eddie
In fact, he could have been. Wasn’t his mother from WA?
gary (14)-
Nero, tuning his fiddle as Rome burns.
All that’s left is the wailing and gnashing of teeth.
Geethner “vetting” anyone for a position higher than dog catcher is like making Ted Bundy the emcee at a beauty pageant.
with S&P Shiller NY again the worst region +3.3% YoY. If Manhattan is rising quickly, doesn’t that mean suburbs should be flat at best?
jj, is the PPT in the house today?
No PPT in the house
Dont even have that anymore.
18 – ” due to potential action in Syria.” A few turns on the shutoff valves of the gas pipelines to Europe and they will all pipe down England, France and the rest. We will be going it alone in Syria, no UN an no coalition of the willing. Boots on the ground are needed too, know anybody around 18 out of work? All that training playing “Call of Duty” may come in hand.
http://www.bloomberg.com/news/2013-08-26/eu-said-to-draft-gazprom-complaint-as-putin-prepares-g-20-talks.html
Coalition of the Willing…
http://swampland.time.com/2013/08/26/obama-seeks-a-coalition-of-the-willing-on-syria/?xid=rss-topstories
When I get caught up, I can’t wait to share with you all the details of my trip to the Middle East (London).
Nary a peep from the left too. Where are the marches and antiwar protesters?
http://en.wikipedia.org/wiki/Protests_against_the_Iraq_War
Have we chosen the Syrian statue yet to televise our dismantling of?
S&P Case Shiller – NY Commuter – June 2013
Low Tier (Under $265670)
Year over Year – Up 6.3%
From Trough – Up 10.6%
Mid Tier ($265670 – $435721)
Year over Year – Up 4.4%
From Trough – Up 6.8%
High Tier (Over $435721)
Year over Year – Up 2.7%
From Trough – Up 6.7%
Overall Market
Year over Year – Up 3.3%
From Trough – Up 7.1%
Eddie (19):
No evidence of a racial bias in beating of the the WWII vet or the shooting of the baseball player. You need to blame the victims for their own deaths.
1. WWII vet: He fought back. If he just acted like a sheep and gave the robbers the money he would still be alive.
2. Aussie baseball player: Just an unfortunate white guy running down the street. Purely an accident that 3 thugs will a violent history came upon him in a car and shot him in the back 3 times. Cannot blame the shooters as it was just a coincidence that one of them posted on Facebook how much he hated white people and that this was his ticket into the Crips.
So why aren’t those 3 being charged with hate crimes federally again?
90% of white ppl are nasty. #HATE THEM.
With my niggas when it’s time to start taken life’s
Ayeee I knocced out 5 woods since Zimmerman court!:) lol shit ima keep sleepin shit! #ayeeee
In the Aussie’s death, one of the thugs has a white girlfriend and another one of the thugs is white so….
There is a misunderstanding here. The automatic replies we have seen in the last few days are in Japanese language, not Chinese.
I would say most murders are hate crimes.
In the Aussie’s death, one of the thugs has a white girlfriend and another one of the thugs is white so….
Regarding the white guy, stupid is as stupid does. He got involved with a guy who is a flat out racist and he is going to spend the next 25 years it in prsion.
Regarding the girlfriend, the shooter could have 3 white girlfriends and still hate white people. For the sociopathic personality it’s all about me, me, me. He could easily have her around just to reinforce his perceived superiority over white people by knocking them out, killing them and dating their most prized possesion.
Agreed most murders are hate crimes of some sort.
I guess that could be true but adds a level of complexity to coming to the conclusion.
Either way, they should go to jail for a long time.
Closer to home.
http://www.cbsatlanta.com/story/23262286/men-enter-closed-store-by-accident-pay-for-purchases
Integrity is what you do when you think you can get away with it.
The 3rd guy is only “white” if you’ve never seen his photo.
“In the Aussie’s death, one of the thugs has a white girlfriend and another one of the thugs is white so….”
Grim [35];
What do most folks consider the trough? Seems to me like ’09-’12 is basically flat with only routine seasonal noise.
None of them are white, neither was Zimmerman.
FKA 2010 Buyer says:
August 27, 2013 at 10:19 am
In the Aussie’s death, one of the thugs has a white girlfriend and another one of the thugs is white so….
Whatever happened to the Case-Shiller Graphs that the “Redfin” website used to put out every month ?? Redfin New York hasn’t published an update in quite some time. I’m a graphics kind of guy…..I like to see charts. Any chartists out there ?
Anybody see this one?
http://www.nj.com/hudson/index.ssf/2013/08/the_black_st_peters_prep_student_who_received_racist_text_during_his_run_for_student_council_sent_th.html
I really like that Wayne story.
There is a misunderstanding here. The automatic replies we have seen in the last few days are in Japanese language, not Chinese.
Majority of the spam is coming from China.
Clearly, Wayne is far superior to Maplewood.
49. – they should put that one on the front page of nj.com
Grim,
It is well known that most of the world’s hackers go through Chinese IPs because China’s users are the least defended, most vulnerable.
zimmerman was a spanish man who was judged innocent by an all women jury of the attack on a black man. Obviously it is the white mans fault.
I really don’t want to start talking about politics but I think the obvious difference is that the guys who killed the Aussie and the WWII vet are going to go to jail…unlike Zimmerman who is probably sipping a margarita right now while weighing offers to write a book or make a movie about the whole thing.
Zimmerman killed a criminal in self defense. Beating an old man to death during a crime is different. All Aussies are criminals anyhow.
ccb223 says:
August 27, 2013 at 12:30 pm
I really don’t want to start talking about politics but I think the obvious difference is that the guys who killed the Aussie and the WWII vet are going to go to jail…unlike Zimmerman who is probably sipping a margarita right now while weighing offers to write a book or make a movie about the whole thing.
JJ — what makes Trayvon a criminal? Eating too many skittles?
Zimmerman followed a 16 year old black kid around, picked a fight (after being told by the cops to leave him alone), proceeded to get his ass kicked and then shot the kid.
Zimmerman, the punks who killed the Aussie, and especially the punks who killed the vet should be in jail.
jj (29)-
Try selling that shit somewhere else.
“No PPT in the house
Dont even have that anymore.”
Zimmerman should be in jail, but Trayvon was no angel either. The prosecution overreached and blew it. What’s new?
http://www.freerepublic.com/focus/f-news/1565160/posts
http://www.msunderestimated.com/SaddamsWMDs.wmv
21.Fast Eddie says:
August 27, 2013 at 9:19 am
What was the name of that former Iraqi General who said all of the chemical agents were moved to Syria during the Iraq buildup? Hmmm… interesting.
Georges Sada
[57] ccb,
Funny, I seemed to have missed any analysis concerning your testimony, seeing as you were a percipient witness and all.
I’d argue that Afghanistan’s Heroin crop should be considered manufacture of chemical weapons. Please commence the carpet bombing.
[60] lib,
The overreach was a problem but they didn’t even get the lesser included. You play the hand you are dealt and they played it hard, even to the point of prosecutorial misconduct. I don’t fault the prosecutors–remember, it is, by design, a political position as well as a law enforcement one.
I’ve little doubt that, had he been convicted, Zimmerman would have a decent shot on appeal, both on Brady violations and exclusion of exculpatory evidence.
[37] grim,
Federal hate crime is a high bar. The specific act had to be motivated in part by racial animus. Here, the prosecutor says no racial animus. Whether that is true or he just doesn’t want his trial to become a circus is debatable but that’s their story.
Com — not going to get baited into this discussion, frankly don’t give a sh*t. Look it up, don’t think anything I said was off base. Good use of the word “percipient” though…
JJ — back to important things, regarding the flood zone issues we were talking about yesterday (how they are going to phase-0ut govt flood insurance subsidy for non-primary residences) … I was having a hard time following all of the info/facts you were posting. Here is my situation, let me know if you think there is anything I ought to be concerned about:
Making an offer on a NJ vacation house on the water (the bay to be exact). The current BFE is 8ft and the house is elevated 8ft (so that all sounds good so far, I think). The current owner pays almost nothing in flood insurance (a few hundred bucks a year) because the house is elevated (they had almost no issues whatsoever with Sandy) and while the flood maps for the area aren’t expected to be “finalized” until late next year, current BFE is not expected to change. My assumption was that I’d step right in and get the same low flood insurance rate as the previous owner. How exactly does BW throw a wrench into things, if at all? Meaning, ok I’ll give you that it’s not my primary residence but it’s already elevated 8ft (i.e., at current BFE)…how much more can the flood insurance go up (if any) in light of the new BW laws/regulations?
Why should Zimmerman be in jail? He was struck first by a 6-foot-tall racist young man, who then stated “You’re going to die tonight,” and then began bashing Zimmerman’s head into a concrete sidewalk. The attacker than noticed Zimmerman had a holstered weapon, and began to reach for it, at which point Zimmerman fired one shot. A classic case self defense, as the jury determined.
While the media like to play up the “race” and “injustice” angle, neither are a reality of the case.
All Trayvon had to do was go all Uncle Tom and give the guy some respect and he be alive today. Crazy man giving me grief who is a wannabe cop you call 911 yourself, not jump on top of him.
BTW assault is a crime. Traylon assaulted him, they teach kids in school when threatened by a stranger find someone in a uniform or a nearby store and stay there and ask that person to call police. I dont recall jumping on stranger a good approach, Heck I lived in the Bronx in 1960s and 1970s and Queens and Manhattan in the 1980s/1990s I would be dead a long time ago if everytime a crazy approached me I jumped them. Crazy people have knives and guns. Obviously Traylon is just a crazy as zimmerman cause 99% of people would still be alive if Zimmerman approached us
ccb223 says:
August 27, 2013 at 12:45 pm
JJ — what makes Trayvon a criminal? Eating too many skittles?
Zimmerman followed a 16 year old black kid around, picked a fight (after being told by the cops to leave him alone), proceeded to get his ass kicked and then shot the kid.
The tricky part is you need an elevation certificate as Base Flood Elevation is not have far your house if from sidewalk. Best way is to go on line enter your future address and get a BFE and a flood quote on the home as if it was a vacation property.
http://www.region2coastal.com/sandy/table
http://www.floodsmart.gov/floodsmart/
Also remember if you property gets newly mapped into a high-risk flood area. , the property owner may be eligible for significant savings with the NFIP’s new Preferred Risk Policy Extension. While the PRP Extension option provides temporary relief, revisions to the NFIP’s grandfather rules will offer a more permanent premium reduction. Usually it is two years sometimes gets extended two more. Then you go at 25% a year till you are full risk.
Prior owner rate wont transfer to you. Their BFE will transfer to you on that particular house. But you need to verify that yourself. Also important to know does he have that house recorded as a vacation home or primary residence. My flood guy told me most folks who have a vacation home they never rent out and have utilities bills and tax receipts sent there often call it a primary even though it is a vacation home as FEMA only asks usually for utility bills and tax receipts as proof.
Basically make sure you get a quote on the house and make sure you tell them you know about BW and you want to know what rate will be upon renewal too.
I think if you lock in a really cheap rate you have 25% rate hikes gives you several years before it gets expensive and as you pay down mortgage you can lower flood coverage.
Final thing to look into is homeowners. Homeowners if often harder to get then flood insurance. I would get a quote on Homeowners and Flood pre-offer. I got MetLife on my beach place even though Met life does not write new policies in flood zones. However, for existing policy holders in good standings they let me add a second home. Only catch is Met made me by flood. contents which I did not have as condo master policy does not cover, but I just bought 25K which is least you can buy for $128 bucks. I only at most have 30K of contents on the floor anyhow in a complete loss. And next amount is 50K so not worth it.
ccb223 says:
August 27, 2013 at 2:08 pm
Com — not going to get baited into this discussion, frankly don’t give a sh*t. Look it up, don’t think anything I said was off base. Good use of the word “percipient” though…
JJ — back to important things, regarding the flood zone issues we were talking about yesterday (how they are going to phase-0ut govt flood insurance subsidy for non-primary residences) … I was having a hard time following all of the info/facts you were posting. Here is my situation, let me know if you think there is anything I ought to be concerned about:
Making an offer on a NJ vacation house on the water (the bay to be exact). The current BFE is 8ft and the house is elevated 8ft (so that all sounds good so far, I think). The current owner pays almost nothing in flood insurance (a few hundred bucks a year) because the house is elevated (they had almost no issues whatsoever with Sandy) and while the flood maps for the area aren’t expected to be “finalized” until late next year, current BFE is not expected to change. My assumption was that I’d step right in and get the same low flood insurance rate as the previous owner. How exactly does BW throw a wrench into things, if at all? Meaning, ok I’ll give you that it’s not my primary residence but it’s already elevated 8ft (i.e., at current BFE)…how much more can the flood insurance go up (if any) in light of the new BW laws/regulations?
BTW my primary house is 8BFE and my lowest floor is one foot below sidewalk. Split with a two step down den. House is 57 years old and Sandy was first water. Even if house was just two feet higher I would of had a lot less damage. At five feet up you are really safe.
People dont realize it is not so much how high the water is it is how long the water is there. It does not soak into sheet rock, cabinets, floors right away.
I did not demo my second floor at all even though I had one foot of water!!! It was only up for around one hour in that room. And when it went down we were working like mad men drying things. My neighbors house on a different elevation had one foot on same floor of house but it was at that height for several hours it slowly seeped up sheet rock, cabinets, insulation destroying everything. At five feet BFE even if you got water it would be just for 20-30 at absolute high tide. Also people forget unless water crosses your kickplates on cabinets, your baseboard heating and lower outlets clean up is pretty easy. Only tell tale signs I have is rust on my baseboard heating, slightly warped wood floors and some paint peeled on my main level. I could fix it all for under 5k. I cant do it as NYS rising is giving grants in a few months and I need the damage to show them. Plus no rush as I have no contractor to do it right now and I dont really care. Plus I rather have receipts from 2014 or 2015 as then if I sell it wont look like flood repairs. Ha Ha
[57] ccb
it’s not what you said, it’s what you selectively left out.
ccb223 what do you plan on doing with the beach place? Pure vacation home, Pure rental, part vacation/part rent, future retirement place?
Just curious. I bought my place and I had it for the whole time period of July and first week of August and slept there one single night. I just did not have the time and we were doing so much work there to get it ready for tenants that at five pm after fixing place up for several hours we wanted to go home.
FYI: resort towns that have tourism taxes are cracking down on vacation rentals. I’ve been going to OCMD for years now and they have new regulations in place to “license” rentals. But it’s really about tax revenue. So pay attention to local and county ordinances, and state regs as well.
The IRS is monitoring sites like VRBO and Tripadvisor to see who’s renting out vacation properties. I suspect that the locals are as well, and the new enforcement effort definitely lends itself to “sting” situations or disgruntled renters.
Thanks Grim!
mostly thinking we’ll just enjoy it, my wife’s family is nearby and we plan on having friends down from NYC…but when we are not around I did want to look into renting it…no sense in leaving money on the table.
although I am worried about all of the headaches involved in being a landlord…
Last Call – GTG Alert –NJRER GTG now scheduled for Thu 8/29 from 6:30 PM ’til whenever; venue — Montecristo Lounge at J&R Cigars, 301 Route 10 East • Whippany, NJ 07981 (973) 887-0800 (http://www.jrwhippany.com/index.cfm?page=lounge).
Food; Drink; Cigars
We have a nice group assembling. If not already done so, say intentions here or to: john (underscore) doebinski (at) yahoo (dot) com.
Grim, would you mind a front page bump?
In NYC technically it is illegal to do rentals less than one month. Because in NYC you need a hotel license to rent by the night and there is a high hotel tax. Technically they could hit you to pay the hotel tax. Some towns have hotel rules too.
VRBO is a tough nut to crack in one sense for someone with only one house. I have a winter tenant which is legal. In summer I now have a few people interested for 2014 and I can rent to them via paypay, wire or check. My only problem is staying under radar. Which limits who I can rent too. I am avoiding group rentals, I only rent to families, so far only families with two or less kids. I only rent to people who fit in. I dont rent to people with pets etc. I only rent to affluent folks.
Problem with renting is folks will rent to anyone rather than leave unit empty. I left my unit empty several weeks as I dont want to cuase big trouble renting in year one.
Folks are also renting on airbnb, craigs list, zillow, trulia all do rental listings. As well as realtors. Plus good old word of mouth.
I think if I bought 2-3 places people would get pissed. No one cares a few weeks a year, start running a 52 week business it gets crazy.
In Long Beach, Long Island I noticed in winter folks are doing single night rentals on VRBO as hotel prices are high on Long Island. Some of the places are getting 10-15 check in and check out in the dead of winter. Folks are also renting out parts of their own house. Spare bedrooms even!!!! It is crazy. VRBO is scary as you can rent out anything. I am sure superbowl many folks in NJ will throw their house up if they live within 15 miles of stadium hard to stop
Comrade Nom Deplume, knee jerk savant says:
August 27, 2013 at 3:38 pm
FYI: resort towns that have tourism taxes are cracking down on vacation rentals. I’ve been going to OCMD for years now and they have new regulations in place to “license” rentals. But it’s really about tax revenue. So pay attention to local and county ordinances, and state regs as well.
The IRS is monitoring sites like VRBO and Tripadvisor to see who’s renting out vacation properties. I suspect that the locals are as well, and the new enforcement effort definitely lends itself to “sting” situations or disgruntled renters.
Once you start renting you will be hooked till first bad tenant gets in. Only trouble with renting is you get detached from place. But you should rent enough to cover your nut.
ccb223 says:
August 27, 2013 at 3:45 pm
mostly thinking we’ll just enjoy it, my wife’s family is nearby and we plan on having friends down from NYC…but when we are not around I did want to look into renting it…no sense in leaving money on the table.
Thanks, G!
At age 51, Charlene Rose had hoped to be socking away money for retirement by now. But instead, she’s still paying off her student loans, largely for a master’s degree she got to advance her career. And now she’s got three kids in college, each of whom is taking out student loans of their own to pay for higher education.
Together, Rose and her children owe as much as $136,000 in student loans. “I didn’t think I would have this much debt,” Rose said. But she thinks it’s important for her children to get college degrees, even though her student loan debt could affect her ability to retire.
“I think that I’ll still be able to pay it off. That’s my goal. I just can’t see not paying the debt,” Rose said. It is ironic since Rose, who lives outside Orlando, Fla., is director of housing for Consumer Debt Counselors, counseling people about their mortgage debt.
http://finance.yahoo.com/news/parents-face-student-loan-double-113243606.html
ExPat [83];
Why Do Education and Health Care Cost So Much?
I have to say that I have a lot of sympathy for Ezra Klein’s view that McArdle dismisses too easily — health care and education are perceived (with more or less accuracy) to be a greater need than a television or iPad; prices follow accordingly.
It has more to do with insulating the buyer from the price. Try asking your doctor what a particular procedure will cost. Been college shopping? Yes, there is the MSRP sticker price; then there is what you are actually asked to pay after you open your financial situation to your negotiating counter-party; Oh and the government will subsidize you with non-dischargeable student loan debt.
My last landlord was hooked on renting. It’s too bad his business plan centered around saving money by not fixing anything and trying to fleece people out of their security deposits. I took pleasure in handing his ass to him in the county court.
New Healthcare in one chart?
http://www.jec.senate.gov/republicans/public//index.cfm?a=Files.Serve&File_id=8e6dbf03-ca4a-44be-9de4-a100c43fb5c8
Your style is really unique in comparison to
other folks I’ve read stuff from. Thank you for posting when you’ve got the opportunity, Guess I will just bookmark this site.
Howdy, I do think your website might be having browser
compatibility problems. When I look at your website in Safari, it looks fine however,
when opening in Internet Explorer, it’s got some overlapping issues. I just wanted to provide you with a quick heads up! Apart from that, fantastic website!
子どもたちがそれを自分でやらせる、セミナーを防ぐため、400以上のブース数の合計で8000平方メートルの総展示面積、この糸ショーは “ハイエ
Last week I had the pleasure of crashing Hayden-Harnett’s north Brooklyn store/workshop as they geared up for their huge KAPOW sale while having just launched their latest collection, a line of bags and accessories inspired by Disney’s Fantasia.The collaboration came about when Disney’s adult lifestyle brand Disney Signature approached Hayden-Harnett last March about collaborating on a Fantasia collection and-being huge fans of the film-they enthusiastically agreed . “The concept and
La nouvelle édition limitée favoris de palette d’oeil perle de produit unique a cinq modèles irisé de couleur perle: blanc perle, rose porcelaine, misty violet, vert et noir gris foncé Yao, sont injectés dans chaque couleur, perle, à tout point de vue peut être un reflet de la Symphony mère de brillant nacré. 2 lumière qui peut être utilisé pour créer degré en trois dimensions dans le front ou parties de mots de tête
地元の長期的な発展である。” Xiaoxian郭は全国走り回った後、ポスターファッションネットワークを使用すると、それらの “問題”子どもたちの注意