Sandy’s Foreclosures

From the NY Daily News:

Even with surge in foreclosures post-Sandy, real estate prices in Queens, Brooklyn rise

One year after Hurricane Sandy, New York area homeowners are drowning under a wave of foreclosure notices.

In a sign that Sandy victims can’t keep up with their mortgage payments or are choosing to abandon their battered homes, foreclosure activity in New York City and Long Island surged 33% in the first nine months of the year, compared with the same period last year, according to a special report from RealtyTrac.

“People whose homes were damaged are making the decision to walk away because it doesn’t make financial sense to keep making those mortgage payments,” RealtyTrac vice president Daren Blomquist told the Daily News.

The survey counted all types of foreclosure notices: default notices – which come early on when homeowners skip payments – scheduled auctions, and bank repossessions.

Not surprisingly, the two boroughs that got hit the worst, Queens and Staten Island, saw the biggest foreclosure notice surge. Activity was up 61% in Queens and 40% in Staten Island.

The number of homes hit with foreclosure papers in the Bronx rose 39%. The increase in Brooklyn was 28%.

Foreclosed homes sold by banks are going fast.

“There is a line of buyers to buy those homes because they are priced under the market,” Laffey said. “They are selling within a matter of days.”

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

139 Responses to Sandy’s Foreclosures

  1. grim says:

    From HousingWire:

    Freddie Mac begins securitizing $1B performing HAMP loans

    Freddie Mac launched the process of securitizing $1 billion performing Home Affordable Modification Program (HAMP) loans that were once at risk of foreclosure, but are now in good standing after going through the government’s HAMP program.

    The Treasury launched HAMP back in March 2009, and has since helped 229,000 borrowers, giving them permanent modifications on Freddie-Mac-owned loans.

    The HAMP securitizations include modified loans that are “reperfoming into Freddie Mac Mortgage Participating Certificates.”

    This process allows the GSE to create more liquidity as well as transparency when it comes to the pricing for HAMP loans, said Adama Kah, Freddie Mac’s vice president of distressed assets management.

    “This initiative clears the path for securitizations of larger portions of the distressed assets portfolio and will lead to new, additional investment options for investors,” added Kah.

  2. grim says:

    Just a statistical note – Due to the drop in sales and contracts that took place shortly after Sandy, year over year comparisons of those stats over the next two months (Oct and November) will show as stronger than they really were. Looking at some preliminary numbers for October this morning and the stats are clearly showing this to be the case, well partially perhaps, it still appears that October is coming in very strong.

  3. anon (the good one) says:

    “The average World Series viewer this year is 54.4 years old, according to Nielsen, the media research firm. The trend line is heading north: The average age was 49.9 in 2009.”

    ” participation rates also continue to decline, too, especially among casual
    players. Little League Baseball, which represents about two-thirds of the world’s youth baseball, had 2.1 million players last year, compared with 2.6 million in 1997.”

  4. 8 AM, and we already have a vapid bleat from the imbecilic anon.

  5. anon, we’ve known baseball was dying since the first player strike.

    Watch this fool turn about to be another Piers Morgan-fluffing Gooner fan…

  6. Painhrtz - Disobey! says:

    BAH!!!!!!!!!!!!!!!!!!

  7. Painhrtz - Disobey! says:

    Nom flip over any good cars last night?

  8. Comrade Nom Deplume in wild celebration right now says:

    [8] pain,

    Nope. Not only were they all in their garages, trying that out here will get you shot.

    [5] Spine,

    Disagree. That’s the most intelligent thing anon has posted since, well, ever.

  9. The Original NJ ExPat, cusp of doom says:

    We are doomed. My last hope for restoring world order was tied to the Red Sox losing in 7 like they are supposed to. This whole century has been an aberration so far.

  10. Comrade Nom Deplume in wild celebration right now says:

    [10] Expat,

    Nothing personal, but I’m enjoying your pain.

  11. Comrade Nom Deplume in wild celebration right now says:

    A little something for anon, Fabius Minimus, and the rest of the left to chew on:

    http://drones.pitchinteractive.com/

  12. Grim says:

    Weekly claims down 10k to 340k, 4 week up 8k to 356k.

  13. Comrade Nom Deplume in wild celebration right now says:

    [10] expat,

    Maybe this will make you feel better. Of course, you have to go back to before you were born and include all sorts of teams that aren’t around anymore (or moved), but hey, it should make you feel a bit better. Okay, not much better, but a bit.

    http://en.wikipedia.org/wiki/List_of_North_American_cities_by_number_of_major_sports_championships

    Oh, and this hasn’t been updated today, apparently.

  14. Comrade Nom Deplume in wild celebration right now says:

    [15] redux

    Interesting thing about that list: Nearly all the titles across the four majors were won by only six teams: Yankees, Celtics, Canadiens, Red Wings, Lakers, and Cardinals.

  15. grim says:

    14 – Should be celebrated, not derided. Most new construction homes in the sand states are essentially disposable.

    For most well built homes in the last 80 years, the actual year of construction is largely irrelevant.

    Also, realize that fully renovated homes do not have their “built on” date changed, even though for all intents and purposes, a full gut reno home should largely be considered new.

  16. Painhrtz - Disobey! says:

    Nom i know it is easy to do but they only count the yankees world series wins and not the mets. Funny how one well run franchise can skew the results for a city and hide the incompetence other franchises. Celts in Boston, Yanks NY.

  17. The Original NJ ExPat, cusp of doom says:

    [11] Nom – To add insult to injury, the parade on Saturday is going to wreck my weekend.

    1. Our 11 year old is taking the ISEE exam to get into Boston Latin at Boston Latin Saturday morning which, as you know, is near Fenway.
    2. The Soccer team our 9 year old plays for is scheduled to play their next match Saturday at Teddy Ebersol’s Red Sox Field, which is right on the effing Esplanade.
    3. Oldest daughter also has a rehearsal for the Nutcracker Saturday afternoon at Boston Ballet in the South End.

    #1 Has to happen, hopefully #2 & #3 get postponed. Either way, I’ll be having much more pain for you to enjoy.

  18. Essex says:

    55 is the new 35 – in baseball and retirement planning.

  19. yome says:

    Budget cutters are walking tall around the world. In Germany, the finance minister, Wolfgang Schäuble — chief enforcer of austerity along the euro zone’s periphery — argued that “the world should rejoice” at Europe’s belt-tightening. In Britain, the government of Prime Minister David Cameron has welcomed the economy’s incipient turnaround as vindication of an austerity strategy now in its fourth year. An editorial in The Financial Times declared that George Osborne, the chancellor of the Exchequer, “won the political argument.”

    But few countries can match the speed with which the United States has embraced fiscal austerity. In 2013, the federal deficit shrank at its fastest pace in more than four decades, dropping to 3.9 percent of the nation’s gross domestic product, from 6.8 percent the year before, according to the Congressional Budget Office.

    According to the International Monetary Fund, the general government deficit of the United States, which includes states and municipalities, will fall by about two-thirds as a share of G.D.P. from 2009 to 2014. Most of the decline will come from reductions in spending.

    Not even Britain has trimmed its budget as steeply. Only Greece, Ireland and Portugal — cornered into austerity by creditors in Berlin and in Brussels demanding a cleanup from past excesses — have shrunk government spending more sharply.

    Yet for all the cuts already in the bag, calls in Washington for further retrenchment remain strong. “None of us can be proud of the way we spend the money,” the Oklahoma Republican Tom Coburn said the other day from the Senate floor.

    Such fiscal virtue comes at a cost. Considering the depth of the cuts, it is remarkable that the American economy did not fall off a cliff. In a sign that the United States is still much more resilient than most other advanced nations, its $16 trillion economy has managed to trundle along, overcoming austerity, the government shutdown and a brief flirtation with default. If I.M.F. forecasts hold, the American economy will grow by roughly 1.6 percent this year and add about 1.5 million jobs, significantly better than Europe and Japan.
    But that hardly means no harm was done. A recent analysis by the research firm Macroeconomic Advisers estimated that cuts to discretionary government spending — roughly everything the government spends money on except for Social Security and Medicare — trimmed growth by seven-tenths of a percentage point a year since 2010, and cost some 1.2 million jobs.

    http://www.nytimes.com/2013/10/31/business/cutting-the-deficit-by-cutting-programs-is-risky.html?ref=business&_r=1&

  20. 1987 Condo says:

    #18..??..Yankees have 27, I assume they get to 34 by adding Mets, Dodgers and Giants…

  21. Painhrtz - Disobey! says:

    Nom off topic but thought you may get a kick out of it

    http://www.volokh.com/2013/10/30/designation-innocent-man-also-acceptable/

  22. Happy Renter says:

    [12] That is awesome. But the timeline of drone strikes should include a flag indicating when Chairman O was awarded his Nobel Peace Prize.

  23. The Original NJ ExPat, cusp of doom says:

    [23] Thanks pain, that made me laugh. Nom – read both motion, not just excerpt, there’s more funny in there.

    The Assistant AG, Tammy Rettig, from her motion:

    “Wherefore, the State asks for a ruling that during trial the attorney for Defendant refer to the State’s attorney by title or name. Those titles or names are General Rettig, the Assistant District Attorney General, Mrs. Rettig, or simply the State of Tennessee.”

    Defense Counsel, Drew Justice, from his motion:

    “Moreover, defense counsel does not wish to be referred to as a “lawyer,” or a “defenseattorney.” Those terms are substantially more prejudicial than probative.
    See Tenn. R. Evid. 403.Rather, counsel for the Citizen Accused should be referred to primarily as the “Defender of theInnocent.” This title seems particularly appropriate, because every Citizen Accused is presumed innocent. Alternatively, counsel would also accept the designation “Guardian of the Realm.”Further, the Citizen Accused humbly requests an appropriate military title for his ownrepresentative, to match that of the opposing counsel. Whenever addressed by name, the name” Captain Justice” will be appropriate. While less impressive than “General,” still, the more humble term seems suitable. After all, the Captain represents only a Citizen Accused, whereas the General represents an entire State.”

  24. chicagofinance says:

    +1

    Happy Renter says:
    October 31, 2013 at 9:55 am
    [12] That is awesome. But the timeline of drone strikes should include a flag indicating when Chairman O was awarded his Nobel Peace Prize.

  25. chicagofinance says:

    Here’s some news to warm the hearts of the Elite 140:

    The brutal head of Hitler’s Gestapo who was also one of the evil architects of the Holocaust has been buried since 1945 in a Jewish cemetery in Berlin, according to a German newspaper.

    Heinrich Mueller – known as “Gestapo-Mueller” during World War II – was long thought to have survived the war.

    But new documents and evidence show he was buried in a common grave in a Jewish cemetery in central Berlin, according to the newspaper Bild.

    “Mueller didn’t survive the end of the war,” Johannes Tuchel, head of the Memorial to the German Resistance, told the paper.

    “His body was interred in 1945 in the Jewish cemetery in Berlin-Mitte in a mass grave.”

    The news infuriated Dieter Graumann, a leader of Germany’s Jewish community.

    “That one of the most brutal Nazi sadists is buried in a Jewish cemetery is a distasteful monstrosity. The memory of the victims is being treated here with contempt,” he told Bild.

    Mueller attended the Wannsee Conference near Berlin in January 1942 at which the “Final Solution,” a plan to exterminate Jews in Nazi-occupied Europe, was hatched.

  26. Fast Eddie says:

    Hundreds of thousands of people have been losing their healthcare coverage in the past few weeks. President Obama in a speech Wednesday said “bad apple” insurance companies, not the Affordable Care Act, are to blame for that, as the administration scrambles to fix technical problems with the Healthcare.gov insurance exchange.

    LMAO! This guy is a f.ucking gem. Oh my G0d, the damage these people have created is just incredible!

  27. grim says:

    I’d strongly suggest that everyone take their kids to Auschwitz and Birkenau as soon as they are old enough to comprehend it.

    Really is a life changing event to walk through it. I don’t care what you’ve ever read, seen, or heard, even if it was from friends and family, the minute you walk through the gates your perception of humanity is forever changed in a way that a book or story could never do.

    The only word that comes to mind that is even close to describing the experience is indelible.

  28. Sima says:

    I just have to comment before the Obamacare bashers start their daily vitriol , especially the young ‘uns who are too young to have experienced the fear of being dropped from a health insurance policy if an illness strikes, or being unable to get health care insurance because of a preexisting condition.
    Or sticking with a job one hates because you have health insurance and you know you will never ever be able to get a new policy because of a preexisting problem.
    A leading cause of bankruptcies is because of being unable to pay medical costs.

    When one is healthy and secure in a job with benefits, it is easy to bash Obamacare. But as you get older you realize that medical insurance is absolutely needed.

    Yes, there are problems with Obamacare, but being able to get medical insurance and not being afraid of being dropped when a probloem occurs is PRICELESS.

  29. 1987 Condo says:

    #29..no doubt…Holocaust Museum in DC is a must and only 5 hours away….

  30. joyce says:

    Repeal all the laws, regulations, etc that have caused the costs to skyrocket… then cry to me about health “insurance”

    And once again (though this is definitely not the biggest problem, it’s still worth pointing out again) you cannot insure against something that’s already happened.

    Sima says:
    October 31, 2013 at 10:31 am
    I just have to comment before the Obamacare bashers start their daily vitriol , especially the young ‘uns who are too young to have experienced the fear of being dropped from a health insurance policy if an illness strikes, or being unable to get health care insurance because of a preexisting condition.
    Or sticking with a job one hates because you have health insurance and you know you will never ever be able to get a new policy because of a preexisting problem.
    A leading cause of bankruptcies is because of being unable to pay medical costs.

    When one is healthy and secure in a job with benefits, it is easy to bash Obamacare. But as you get older you realize that medical insurance is absolutely needed.

    Yes, there are problems with Obamacare, but being able to get medical insurance and not being afraid of being dropped when a probloem occurs is PRICELESS.

  31. JJ the Welfare Queen says:

    Thank god Toll Brothers did not build them as they would not longer be around for you to visit

    grim says:
    October 31, 2013 at 10:31 am

    I’d strongly suggest that everyone take their kids to Auschwitz and Birkenstock as soon as they are old enough to comprehend it.

    Really is a life changing event to walk through it. I don’t care what you’ve ever read, seen, or heard, even if it was from friends and family, the minute you walk through the gates your perception of humanity is forever changed in a way that a book or story could never do.

    The only word that comes to mind that is even close to describing the experience is indelible.

  32. JJ the Welfare Queen says:

    Two million Irish Catholics were killed by the English in a mass genocide in the 1880s and another three million catholics were killed in the concentration camps. The camps actually committed a successful genocide of the gyspies of Europe during WWII and they were mainly Catholic.

    So we are at five million catholics killed in two genocides.

    Although the potato crop failed, the country was still producing and exporting more than enough grain crops to feed the population. Records show during the period Ireland was exporting approximately thirty to fifty shiploads per day of food produce. As a consequence of these exports and a number other factors such as land acquisition, absentee landlords and the effect of the 1690 penal laws, the Great Famine today is viewed by a number of historical academics as a form of either direct or indirect genocide.[8]

  33. Painhrtz - Disobey! says:

    Sima you can get insurance, what you want is a healthcare plan that takes care of your needs outside of emergency care. Costs from healthcare are driven by a distorted market place of regulation, bundling of risk, , CYA medicine, and removal of the consumer from costs. but to say you could not get insurance at affordable price means you don’t know how to shop.

  34. 1987 Condo says:

    hmmm….Christians will kill Muslims, Muslims will kill Jews/Christians, Christians will kill other Christians who aren’t same type of Christian and everyone will kill Jews…..do I have that right?

  35. Juice Box says:

    Anecdotal on the Heath Insurance War and the battles on all fronts.

    My co-worker recently informed me he was dropping our company insurance to go on his wife’s plan. They raised our deductible to 20% and he also got nicked when he had a minor procedure done. The old switcheroo occurred on him when the anesthesiologist was out of network but the facility and primary doctor are in network etc, so he is a few grand this year out of pocket. He was miffed of-course. I told him to take a wait and see approach few the next few years until all of the leaves fall from the Heath Insurance shakeout. But being a fool he only listens to his wife just like in 2008 when I told him to NOT buy that MASSIVE house that today is MASSIVELY underwater.

    Anyway his wife is a teacher in one of our finest public schools in the entire state of NJ. When she went to check about adding him to her Publicly funded heath care plan they came back with a counter offer of $10K for her to go on his plan at our company instead. To add a little more sugar they will give her and additional $5K next year
    Well they are (she is) taking the cash. I guess she needs some new shoes.

    This will NOT end well folks.

  36. Sima says:

    Painhrtz – Disobey! You are incorrect. I know many people who were dropped from private insurance over the years the minute a serious problem was diagnosed and who then could NOT get any more medical insurance anywhere at all.
    Those are the real death panels of the USA – people doomed to death because they can not afford the medical costs of a serious problem that requires more than a quick visit to the mergency room.
    You think I am exaggerating? I am not.

    I know of people who could not even get hired anywhere new because the new business did not want to add someone who would add to their medical insurance costs.

    Like I said before – you may be too young to really know the reality of medical insurance vs not. It is sooo easy to make nasty generalizations when you are sitting pretty without fear of no medical coverage.

    Painhrtz – Disobey! wrote:Sima you can get insurance, what you want is a healthcare plan that takes care of your needs outside of emergency care. Costs from healthcare are driven by a distorted market place of regulation, bundling of risk, , CYA medicine, and removal of the consumer from costs. but to say you could not get insurance at affordable price means you don’t know how to shop.

  37. zieba says:

    Juice, wait… what?
    I’m sure it’s been OK’d by legal, but wow… do you know if there’s a time stipulation on this?

  38. juice (37)-

    People like the ones you described deserve to be living under a bridge and pushing a shopping cart.

  39. zieba says:

    Sima: Is hubby healed, back up and doing well?

  40. joyce says:

    If 8700+ reforms were put into place, the overwhelming majority of people can pay for preventitive care, routine services, medication, most non emergency surgeries… then actual insurance could be implemented for life-threatening situations / unforeseen long-term illnesses / other.

    Sima… stop talking about coverage. It’s all about the cost being too high.

  41. Happy Renter says:

    [36] “hmmm….Christians will kill Muslims, Muslims will kill Jews/Christians, Christians will kill other Christians who aren’t same type of Christian and everyone will kill Jews…..do I have that right?”

    Mostly right. You just need to add: “Christians will kill Jews. Jews will kill Muslims. Jews will kill Christians.” And then I think you pretty much have it right. Everyone will kill everyone, regardless of what team they are playing for.

  42. Painhrtz - Disobey! says:

    Sima, I know a ton of independent contractors some of which have had serious medical issues over the last ten years or so, all had private insurance. non were dropped. Were they lucky or are you not getting the full story from your contacts? Second, I’m not sitting pretty after the twins were born we had some unexpected costs due to complications not covered by insurance, we had to appeal fight claw you name it for coverage. Finally settled to be out of pocket for 5K or so. guess what we paid it with our rainy day fund. that is what is there for. Same with me when I had unexpected emergency surgery about 5 years ago.

    Everyone’s experience may vary but be honest there is a marketplace for those outside of company provided healthcare.

  43. Sima says:

    Zieba – ?
    Hubby is OK.

  44. Painhrtz - Disobey! says:

    Hans plays with Lotte, Lotte plays with Jane
    Jane plays with Willi, Willi is happy again
    Suki plays with Leo, Sacha plays with Britt
    Adolf builts a bonfire, Enrico plays with it
    -Whistling tunes we hid in the dunes by the seaside
    -Whistling tunes we’re kissing baboons in the jungle
    It’s a knockout
    If looks could kill, they probably will
    In games without frontiers-war without tears
    Games without frontiers-war without tears

    Jeux sans frontieres

    Andre has a red flag, Chiang Ching’s is blue
    They all have hills to fly them on except for Lin Tai Yu
    Dressing up in costumes, playing silly games
    Hiding out in tree-tops shouting out rude names
    -Whistling tunes we hide in the dunes by the seaside
    -Whistling tunes we piss on the goons in the jungle
    It’s a knockout
    If looks could kill they probably will
    In games without frontiers-wars without tears
    If looks could kill they probably will
    In games without frontiers-war without tears
    Games without frontiers-war without tears

  45. Theo says:

    National Brotherhood Week – Tom Lehrer

    Oh, the white folks hate the black folks,
    And the black folks hate the white folks.
    To hate all but the right folks
    Is an old established rule.

    But during National Brotherhood Week, National Brotherhood Week,
    Lena Horne and Sheriff Clarke are dancing cheek to cheek.
    It’s fun to eulogize
    The people you despise,
    As long as you don’t let ’em in your school.

    Oh, the poor folks hate the rich folks,
    And the rich folks hate the poor folks.
    All of my folks hate all of your folks,
    It’s American as apple pie.

    But during National Brotherhood Week, National Brotherhood Week,
    New Yorkers love the Puerto Ricans ’cause it’s very chic.
    Step up and shake the hand
    Of someone you can’t stand.
    You can tolerate him if you try.

    Oh, the Protestants hate the Catholics,
    And the Catholics hate the Protestants,
    And the Hindus hate the Muslims,
    And everybody hates the Jews.

    But during National Brotherhood Week, National Brotherhood Week,
    It’s National Everyone-smile-at-one-another-hood Week.
    Be nice to people who
    Are inferior to you.
    It’s only for a week, so have no fear.
    Be grateful that it doesn’t last all year!

  46. Juice Box says:

    re #37, # 39 and # 40 – Let’s just say some investigative reporting needs to be done. Don’t we get regular visits here from the Muckrakers at the Star Ledger and the NY Times. Grim what say ye? Are those muckrakers still listening?

    See #37 —– How about a story folks……..

  47. chicagofinance says:

    #1 post of 2013

    JJ the Welfare Queen says:
    October 31, 2013 at 10:42 am
    Thank god Toll Brothers did not build them as they would not longer be around for you to visit

    grim says:
    October 31, 2013 at 10:31 am

    I’d strongly suggest that everyone take their kids to Auschwitz and Birkenstock as soon as they are old enough to comprehend it.

    Really is a life changing event to walk through it. I don’t care what you’ve ever read, seen, or heard, even if it was from friends and family, the minute you walk through the gates your perception of humanity is forever changed in a way that a book or story could never do.

    The only word that comes to mind that is even close to describing the experience is indelible.

  48. Comrade Nom Deplume, Guardian of the Realm says:

    [23] pain,

    ROFLMFAO!

  49. Sima says:

    Painhrtz – Disobey!
    Since my husband is now an independent contractor, – yes he has heard of stories from other contract workers of losing coverage and unable to get more. Maybe it depends who you talk to?
    I know of one person in town who was dropped coverage the minute he was diagnosed with cancer and unable to get more. People had fundraisers to try to cover costs, but in reality it did not cover them.
    I know of families who decided that they would get a job, any job, with the government (local, state, federal) just for medical coverage for their families.
    The list goes on and on.

    But like I said before – the new law saying you can’t be denied medical coverage or dropped once a condition is diagnosed is priceless.

  50. Street Justice says:

    Discussions around this subject always sound insensitive but part of the solution should have been to increase supply of Doctors and Services. This is needed to drive down costs. At the core of this problem is the fact that the cost of services is outrageous and as a result you need to insure against it. Without this, other solutions like single payer and healthcare exchanges are unsustainable long term.

    30.Sima says:
    October 31, 2013 at 10:31 am
    I just have to comment before the Obamacare bashers start their daily vitriol , especially the young ‘uns who are too young to have experienced the fear of being dropped from a health insurance policy if an illness strikes, or being unable to get health care insurance because of a preexisting condition.
    Or sticking with a job one hates because you have health insurance and you know you will never ever be able to get a new policy because of a preexisting problem.
    A leading cause of bankruptcies is because of being unable to pay medical costs.

    When one is healthy and secure in a job with benefits, it is easy to bash Obamacare. But as you get older you realize that medical insurance is absolutely needed.

    Yes, there are problems with Obamacare, but being able to get medical insurance and not being afraid of being dropped when a probloem occurs is PRICELESS.

  51. Comrade Nom Deplume, Guardian of the Realm says:

    [30] sima,

    I have only one issue to take with your position. It is most certainly not “priceless”, unless you are using the term to connote its more common usage, which is price beyond measure.

  52. Street Justice says:

    Someday, probably after all of us are dead and gone…I wonder if this problem of healthcare will just go away on its own. I imagine powerful computers that accept all sorts of symptoms and measurements of the body and spit out a diagnosis. Robots perform complex surgeries and administer medicine. Efforts to reduce healthcare costs could just be focused on increasing the supply of care and medicine throught these machines. Doctors and nurses will be more for bedside manner and to treat the mind as part of the cure for illness.

  53. chicagofinance says:

    Where is tort reform? Instead of messing with the populace, why not subsidize or control the malpractice insurance market?

    Street Justice says:
    October 31, 2013 at 11:33 am
    Discussions around this subject always sound insensitive but part of the solution should have been to increase supply of Doctors and Services. This is needed to drive down costs. At the core of this problem is the fact that the cost of services is outrageous and as a result you need to insure against it. Without this, other solutions like single payer and healthcare exchanges are unsustainable long term.

  54. zieba says:

    I’ve been here quite a while. IIRC, you had a medical emergency a while back.

  55. chicagofinance says:

    “Questioned about this on Monday, White House spokesman Jay Carney said “Well, let’s just be clear,” which is how he and his boss announce they’re about to turn on the fog machine. “What the President said and what everybody said all along is that there are going to be changes brought about by the Affordable Care Act that create minimum standards of coverage.” ”

    “The prize for ex post facto rationalization goes to the consultant James Carville, who on Tuesday spun Fox News’s Bill O’Reilly like a pro: “Well, I think he could have said—I think the more accurate statement would have been that you will keep your coverage unless you are in an individual market and have a so-called insurance policy that doesn’t meet the basic requirements. You know just calling something health insurance doesn’t make it health insurance.” ”

    http://online.wsj.com/news/articles/SB10001424052702304073204579167743216156238

  56. chicagofinance says:

    In 2001, the year before Ray Kelly began his second tour as New York’s police commissioner, the city suffered 649 murders. In 2012, there were 419—a drop of 35%. The number of reported rapes fell by 27%; robberies 28%; burglaries 41%. The students at Brown University, an Ivy League school in Providence, R.I., think this is worth booing. Mr. Kelly was at Brown Tuesday to discuss “Proactive Policing in America’s Biggest City.” But nobody got to hear Mr. Kelly’s speech because he was shouted off the stage.

    Brown is the school where in 1984 students voted overwhelmingly to insist that the campus health services stockpile suicide pills “in the event of nuclear war.” Campus administrators declined that demand, but the politically trendy, morally nihilistic campus spirit lives on.

    Now student rage is aimed at the NYPD’s stop-and-frisk policies, which account for much of the drop in the crime rate, especially in minority neighborhoods, and of which Mr. Kelly has been a vocal champion. Students also object to “community policing,” especially among Muslims, a tool the NYPD has used to keep the city safe from terror.

    We realize that most Brown students have only a faint acquaintance with real life, and none of them know what New York City was like in the 1970s and ’80s. But it is revealing to see where the Constitutional right to free speech stands in the esteem of students at one of the most liberal campuses in America.

    Judging by their profuse apology to Mr. Kelly, Brown officials are embarrassed by the episode. Mr. Kelly will certainly get over it, but at a better school the children who acted out at Brown would be expelled.

  57. Comrade Nom Deplume, Guardian of the Realm says:

    [22] condo

    Yes, but the second chart is normed to provide more apples to apples (though, in fairness, I would have included Mets and Jets in NY’s number).

    I also neglected to include the Toronto Maple Leafs in the total of now seven teams that account for nearly all of the major sport titles on this continent. Easy to overlook them, they haven’t done much in my lifetime.

    Point is, once you norm for things like more teams in one sport, more years in a sport (remember, NE didn’t have football until 1960), the two leading title towns, Boston and NYC, are nearly in a dead heat with everyone else far behind.

  58. joyce says:

    I’ve seen figures (I will find the link) saying that a lack of tort reform in this industry costs $20-40 billion out of the $2,700 billion spend annually.
    And if you couple that with the fact that all the extra tests & “defensive” medicine is HIGHLY profitable for the doctors/networks… I’m not sure that will do much (though it should be done).
    http://www.bloomberg.com/news/2013-10-23/cancer-radiation-rates-grow-when-urologists-reap-profit.html

    chicagofinance says:
    October 31, 2013 at 11:38 am
    Where is tort reform? Instead of messing with the populace, why not subsidize or control the malpractice insurance market?

    Street Justice says:
    October 31, 2013 at 11:33 am
    Discussions around this subject always sound insensitive but part of the solution should have been to increase supply of Doctors and Services. This is needed to drive down costs. At the core of this problem is the fact that the cost of services is outrageous and as a result you need to insure against it. Without this, other solutions like single payer and healthcare exchanges are unsustainable long term.

  59. Comrade Nom Deplume, Guardian of the Realm says:

    [57] ChiFi

    I can see the bumper stickers now:

    Dem: “No one died when Obama lied”

    Rep: “No one died when Obama lied–Yet”

  60. Painhrtz - Disobey! says:

    Nom thought you and the other attorneys on the board would get a kick out of it.

  61. JJ the Welfare Queen says:

    30-Yr Mortgage Rate Falls To 4.10% – Freddie Mac – Now go by homes.

    Regarding Sandy damaged homes. I think it only is a pull-forward event. No new BKs

    Lets say you live for example in Long Beach NY folks who drank the punch bought little bungalows in the “trendy” west end. These little shacks were going from 450k to 575K at the peak and plenty of of singles and newlywed couples jumped on this band wagon from Spring 2003 to Spring 2008 when they were 27-35 years old.

    Guess what come Spring 2013 the bars are played, you are getting older and 1-3 kids are running around that little cute bungalow and many dont even have parking spots and you are 150K underwater fighting for a short sale or a loan modification.
    Guess what Sandy comes your house is declared ICC over 50% damaged the bank gets flood insurance check not you. Bank is in no rush to rebuild at all and is holding your cash. At this point you give up and stop paying mortgage. Most of those folks would have gone BK anyhow or walked away. These folks already moved, in a new apartment kids in new schools. It is very apparent given they overpaid 150K for house and house has 200K of damage time to call it quits. And they are. Banks and foreclosures move slow but good news this is a 1-3 year event. It clears the pipeline. Guess what NO mortgages on damaged homes. I noticed all the homes are being sold cheap for cash and when fixed up no chance of default.

  62. Street Justice says:

    Does that figure include insurance premiums doctors pay?

    60.joyce says:
    October 31, 2013 at 11:44 am
    I’ve seen figures (I will find the link) saying that a lack of tort reform in this industry costs $20-40 billion out of the $2,700 billion spend annually.
    And if you couple that with the fact that all the extra tests & “defensive” medicine is HIGHLY profitable for the doctors/networks… I’m not sure that will do much (though it should be done).
    http://www.bloomberg.com/news/2013-10-23/cancer-radiation-rates-grow-when-urologists-reap-profit.html

  63. Street Justice says:

    It’s a missing piece of the puzzle. It should have been part of the solution but all of these sorts of ideas seem to be completly drowned out. I think this is why the country is better off governed from the center. Complete control by the left or right is never good. I expect everyone to present ideas and negotiate. The current group in our legislative and executive branches is really discouraging. I hope the US can survive the damage being done to it.

    55.chicagofinance says:
    October 31, 2013 at 11:38 am
    Where is tort reform? Instead of messing with the populace, why not subsidize or control the malpractice insurance market?

  64. Comrade Nom Deplume, Guardian of the Realm says:

    [58] chifi

    Imagine the self-righteous indignation that would erupt should a conservative student group try the same at one of their speaker events.

  65. Theo says:

    I’d be curious if this was the effect of improved policing tactics or just the excess supply of estrogen in the drinking water.

    chicagofinance says:

    October 31, 2013 at 11:43 am

    “In 2001, the year before Ray Kelly began his second tour as New York’s police commissioner, the city suffered 649 murders. In 2012, there were 419—a drop of 35%. The number of reported rapes fell by 27%; robberies 28%; burglaries 41%. “

  66. joyce says:

    The evidence suggests a much smaller effect. Study after study shows that costs associated with malpractice lawsuits make up 1% to 2% of the nation’s $2.5 trillion annual health-care bill and that tort reform would barely make a dent in the total.

    A comprehensive new report from Northwestern’s Kellogg School of Management, using a database of employer-sponsored health plans covering 10 million Americans, looked at the impact of tort reform measures already enacted in more than 30 states. The authors concluded that comprehensive, nationwide reforms would lower overall health-care costs by 2.3% at most.

    http://www.businessweek.com/magazine/content/09_39/b4148030880703.htm

    Street Justice says:
    October 31, 2013 at 11:57 am
    Does that figure include insurance premiums doctors pay?

  67. Street Justice says:

    Doctors have to cover the cost of their own insurance, pay employees and service providors to keep patient records, interpret miles of legal regulations, all before they can expect profit. The ACA contains a lot that aggaravates these issues and increases those costs.

    60.joyce says:
    October 31, 2013 at 11:44 am

    And if you couple that with the fact that all the extra tests & “defensive” medicine is HIGHLY profitable for the doctors/networks… I’m not sure that will do much (though it should be done).

  68. joyce says:

    Within that article, the estimates range from 2%-10% all-in. However, that 10% includes 5% for the defensive medicine which in the previous article I posted proves to be very profitable for at least some doctors.

  69. Happy Renter says:

    [66] “Imagine the self-righteous indignation that would erupt should a conservative student group try the same at one of their speaker events.”

    If that happened, the media would be screaming about “fascist thugs” trying intimidate and censor freedom of speech. But since it’s a bunch of libtards, it’s somehow a worthy cause.

    Maybe Kelly should have been accompanied by an OBGYN performing a late-term abortion on stage, so if the hecklers dared to try to shut down the event the media would be up in arms and said OBGYN could be held up as the latest libtard rising star senate candidate.

  70. Juice Box says:

    Ray Kelly is getting passed up for top job at Homeland Security by Pres O, diversity of-course trumps experience in protecting us.

    http://articles.chicagotribune.com/2013-10-17/news/sns-rt-us-usa-security-homeland-20131017_1_president-barack-obama-border-security-homeland-security

  71. anon (the good one) says:

    how come there is no real Slavery museum?

  72. joyce says:

    Who are you arguing with? I’m aware of all of that below.

    Street Justice says:
    October 31, 2013 at 12:16 pm
    Doctors have to cover the cost of their own insurance, pay employees and service providors to keep patient records, interpret miles of legal regulations, all before they can expect profit. The ACA contains a lot that aggaravates these issues and increases those costs.

    60.joyce says:
    October 31, 2013 at 11:44 am

    And if you couple that with the fact that all the extra tests & “defensive” medicine is HIGHLY profitable for the doctors/networks… I’m not sure that will do much (though it should be done).

  73. JJ the Welfare Queen says:

    Did you notice the runners from Africa always win the New York City Marathon.

    Meanwhile African Americans never do well in Marathons.

    I think it might be only the slow Africans got caught and sold as slaves.

    anon (the good one) says:
    October 31, 2013 at 12:28 pm

    how come there is no real Slavery museum?

  74. joyce says:

    Dare I say confirmation bias? or correlation =/ causation. Proactive policing is all well and good as long as it doesn’t include unlawful activity. And I would argue that Stop & Frisk as practiced is just as constitutional as Obamacare is. (and my objection has nothing to do with race)

    chicagofinance says:
    October 31, 2013 at 11:43 am
    In 2001, the year before Ray Kelly began his second tour as New York’s police commissioner, the city suffered 649 murders. In 2012, there were 419—a drop of 35%. The number of reported rapes fell by 27%; robberies 28%; burglaries 41%. The students at Brown University, an Ivy League school in Providence, R.I., think this is worth booing. Mr. Kelly was at Brown Tuesday to discuss “Proactive Policing in America’s Biggest City.” But nobody got to hear Mr. Kelly’s speech because he was shouted off the stage.

    Brown is the school where in 1984 students voted overwhelmingly to insist that the campus health services stockpile suicide pills “in the event of nuclear war.” Campus administrators declined that demand, but the politically trendy, morally nihilistic campus spirit lives on.

    Now student rage is aimed at the NYPD’s stop-and-frisk policies, which account for much of the drop in the crime rate, especially in minority neighborhoods, and of which Mr. Kelly has been a vocal champion. Students also object to “community policing,” especially among Muslims, a tool the NYPD has used to keep the city safe from terror.

    We realize that most Brown students have only a faint acquaintance with real life, and none of them know what New York City was like in the 1970s and ’80s. But it is revealing to see where the Constitutional right to free speech stands in the esteem of students at one of the most liberal campuses in America.

    Judging by their profuse apology to Mr. Kelly, Brown officials are embarrassed by the episode. Mr. Kelly will certainly get over it, but at a better school the children who acted out at Brown would be expelled.

  75. anon (the good one) says:

    you may be right. otherwise they would demand reparations.

    JJ the Welfare Queen says:
    October 31, 2013 at 12:41 pm
    Did you notice the runners from Africa always win the New York City Marathon.

    Meanwhile African Americans never do well in Marathons.

    I think it might be only the slow Africans got caught and sold as slaves.

    anon (the good one) says:
    October 31, 2013 at 12:28 pm

    how come there is no real Slavery museum?

  76. Painhrtz - Disobey! says:

    holy f*ck JJ you owe my empoyer a new keyboard

  77. Painhrtz - Disobey! says:

    see I mispeed the word empoyer

    bastard

  78. Street Justice says:

    They should do that. As long as they included all slavery suffered by all ethnic groups, races and religions throughout history and throughout the world.

    The Barbary slave trade refers to the slave markets that flourished on the Barbary Coast, or modern-day Morocco, Algeria, Tunisia and western Libya, between the 16th and 19th centuries. These markets prospered while the states were nominally under Ottoman rule, but in reality were mostly autonomous. Although the slave markets were filled by peoples from many places, they were distinct from other slave markets because they also sold European slaves, acquired through pirate raids on shipping or coastal towns and villages. About 20,000 British and Irish captives were held in North Africa from the beginning of the 17th century to the middle of the 18th, and roughly 700 Americans were held captive in this region as slaves between 1785 and 1815.[1] The markets declined after the loss of the First and Second Barbary Wars and ultimately ended in the 1830s when the entire area came under French rule.

    73.anon (the good one) says:
    October 31, 2013 at 12:28 pm
    how come there is no real Slavery museum?

  79. Juice Box says:

    re: # 73 – Anon get out much from under your rock? The Museum It is exactly where it should be in Europe where the slavers operated. For over a thousand years well before any slaves landed here in the USA, European traders and slavers kidnapped and bought Africans for sale in Europe and other parts. The Arabs, the Romans, heck go back to the time of the they all did slavery. If you ever visit Rome ask tour guide how many Jewish slaves were brought over from Israel to build the Coliseum.

    It was not until the 17th century, when plantation owners in the states and the Caribbean wanted slaves to satisfy the increasing demand for sugar in Europe slaving triangle was created which then shipped slaves over from Africa and those same ships ships headed back to Europe carrying sugar.

    Today we operate a similar slave triangle with Asia for goods and services. Think about it. You buy slave made goods every day.

  80. Happy Renter says:

    [80] “They should do that. As long as they included all slavery suffered by all ethnic groups, races and religions throughout history and throughout the world.”

    Silly rabbit — don’t you know that the entire history of the human race started with the Age of European Exploitation 500 years ago? Ice People (aka Europeans) are and always have been evil, and Sun People (everyone else) are and always have been peaceful and Earth-loving.

  81. All Hype says:

    “how come there is no real Slavery museum?”

    No need. Just look at your iPhone and see the results of modern day slavery.

  82. chicagofinance says:

    #1) It is the WSJ Editorial column….by definition it is almost laughable, but always interesting and provocative…….
    #2) You support Snowden, so by definition, you place form over substance in this area…

    joyce says:
    October 31, 2013 at 12:45 pm
    Dare I say confirmation bias? or correlation =/ causation. Proactive policing is all well and good as long as it doesn’t include unlawful activity. And I would argue that Stop & Frisk as practiced is just as constitutional as Obamacare is. (and my objection has nothing to do with race)

  83. chicagofinance says:

    JJ on fire today……channeling Jimmy The Greek….

    JJ the Welfare Queen says:
    October 31, 2013 at 12:41 pm
    Did you notice the runners from Africa always win the New York City Marathon.
    Meanwhile African Americans never do well in Marathons.
    I think it might be only the slow Africans got caught and sold as slaves.

    anon (the good one) says:
    October 31, 2013 at 12:28 pm

    how come there is no real Slavery museum?

  84. chicagofinance says:

    The thought the NYC Slavery Museum was housed in the headquarters of Lehman Brothers…..that what FabMax said……

  85. joyce says:

    “You support Snowden” Without dissecting that, I absolutely do.

    “you place form over substance in this area” Can you expand & elaborate on that?

    chicagofinance says:
    October 31, 2013 at 1:20 pm
    #2) You support Snowden, so by definition, you place form over substance in this area…

  86. Libturd at home says:

    The pyramids were built by the Hebe’s too.

    I just got finished splitting half a cord of wood from a tree downed during Snowlaween two years ago. Between last night’s hockey game and the three hours I spent splitting and stacking wood, I’m ready to croak. Unfortunately, it’s Halloween and I’m off to watch my son, Captain Underpants, get thrown out of school. I’m grateful he is at least wearing a skin suit underneath it. Lord help him if nature calls for a number 2 while he’s in school today.

  87. chicagofinance says:

    In my opinion, your support of Snowden is based on completely reasonable and constitutionally defendable arguments. Regardless, it is akin to the British military in the Revolutionary War.

  88. Ragnar says:

    South Park did a decent burn of the Obamacare website last night. Best part was Mr. Mackey hiring a consultant, then 5 seconds later making her the fall-guy for the whole failure.
    http://www.southparkstudios.com/full-episodes/s17e05-taming-strange

    IntelliLink, Mkay.

  89. Anon E. Moose says:

    Nom [59];

    Last time I checked, Brooklyn (Dodgers) and Queens (Jets) were part of New York City — at least as long as those teams have been playing. Also, considering metro areas (the Patriots are Boston, right?) and not just municipal boundaries, I’d consider the Iles 4 cups (I remember the “Drive for Five” v. the “Gun for One”) New York City, too. And BTW, Potvin Still Sucks.

  90. chicagofinance says:

    Also, Snowden is taken out of context, because it isn’t as if we are the naughtiest girl on the block in this area…..

  91. chicagofinance says:

    nom for you…..
    Number of LSAT Test Takers Is Down 45% Since 2009
    By Jacob Gershman

    Here’s some spooky news for law schools. The number of law school admission tests administered in October is down nearly 11% from the previous year, according to new data from the Law School Admission Council.

    October LSAT takers numbered 33,673 versus the 37,780 who sat for the test the year before. It’s the fewest number of October test takers since 1998 and the second-lowest figure going back to at least year the 1980s. The half-day LSAT is given four times a year in annual cycles starting in June.

    The figures are the latest sign that the law-school bubble hasn’t stopped deflating. Law Blog reported in August that law-school applicants are down 12.3% and applications are down 17.9% compared to a year ago.

    The number of test takers peaked four years ago and has been on the decline ever since. The total for June and October is down 38% from four years ago. And the October total alone is 45% below the 2009 peak.

  92. Comrade Nom Deplume, Guardian of the Realm says:

    [91] moose

    I include the boroughs. The wiki site didn’t and I don’t know why.

    I don’t consider LI part of NYC.

  93. joyce says:

    I don’t think that has any bearing on the merits. And I must be having a bad day, cause once again I didn’t follow one of your references (“it is akin to the British military in the Revolutionary War”)

    chicagofinance says:
    October 31, 2013 at 1:40 pm
    Also, Snowden is taken out of context, because it isn’t as if we are the naughtiest girl on the block in this area…..

  94. Comrade Nom Deplume, Guardian of the Realm says:

    [93] chifi

    Good news, and if the law schools were smart, they would go along with that and downsize accordingly in order to protect the brand. Some already have.

    If they don’t declining applicants means they will admit people to law schools who would not have made it during the year I applied, a record for applicants at that time. It also means alumni will feel increased presssure. The only logical solution is to cut enrollment.

    And Obama suggested it should be two years. I guess he felt that the final year, in which he took token classes and rarely attended lectures, was a waste of time. Not so, it’s the time you get to focus on your specialties since the two prior years were spent learning fundamentals that prepared you for the bar exams.

  95. Comrade Nom Deplume, Guardian of the Realm says:

    Today, they had the class parade and Halloween party in my daughter’s elementary school. I went for a bit and was talking to one of the parents of a girl in my daughter’s class. She asked where I moved from and I told them “Westfield”. She lit up and said “We used to live in Westfield, on Wells Road.” It was less than a mile away from me.

    I run into former Brigadoonians here constantly. Small Effing World.

  96. Painhrtz - Disobey! says:

    Nom you would think if anything it would benefit recent grads as there will be less competition for jobs even at low rent firms. Maybe there is hope after all and people are doing some cost benefit analysis on law school an deeming it not worth the prospects post graduation.

  97. Anon E. Moose says:

    Nom [96];

    But many are just reaching deeper into the applicant pool (lower GPA/LSAT) to keep the headcount up. Lower tier schools esp. already had little regard for their graduates’ employment prospects, why would they start now?

    The fact is that law schools overproduced demand, and as stories of unemployed law grads are told, a correction was to be expected. Even so, like a real estate agent always says its a good time to buy, I can’t imagine a lawyer (or any other tradesman/professional) ever wanting to increase rather than decrease their competition. I say close all the schools down — current capacity can handle the load. [TIC]

  98. JJ the Welfare Queen says:

    The pyramids were supposed to be Square but the Hebes did triangles to save a few bucks. They blew the money on a couple of bad Bar Mitzahs.

    Cher and the Rolling Stones played at a few of the Bar Mitzahs early in their career.

    Libturd at home says:
    October 31, 2013 at 1:32 pm

    The pyramids were built by the Hebe’s too.

    I just got finished splitting half a cord of wood from a tree downed during Snowlaween two years ago. Between last night’s hockey game and the three hours I spent splitting and stacking wood, I’m ready to croak. Unfortunately, it’s Halloween and I’m off to watch my son, Captain Underpants, get thrown out of school. I’m grateful he is at least wearing a skin suit underneath it. Lord help him if nature calls for a number 2 while he’s in school today.

  99. JJ the Welfare Queen says:

    Chif are going to be on the PR call? Looks like they want to Spic and Span the bonds.

    Market Post: Munis Wait for Puerto Rico Call as Issuance Lightens
    by Taylor Riggs
    OCT 31, 2013 2:02pm ET

    The tax-exempt market waited for a conference call from Puerto Rico officials discussing “legal opinions” related to issuance of its sales tax financing bonds as the general market saw little issuance in the primary light secondary trading.

  100. theo (67)-

    Damn. Is this why I’m growing t!ts?

    “I’d be curious if this was the effect of improved policing tactics or just the excess supply of estrogen in the drinking water.”

  101. joyce says:

    “Gross said he and other top 1% earners need to recognize that they have had the “privilege of riding the credit wave and a credit boom for the past three decades.”

    I noticed in his latest missive he doesn’t advocate for ending the wave of credit at any point.

  102. Ragnar says:

    30. Getting free stuff paid for by other people is indeed priceless.
    The problem with things becoming priceless is that there’s nothing to coordinate supply and demand other than government bureaucrats and central planners. Then you get surpluses, shortages, pressure group lobbying, and rationing by the state determining who gets what.

    Don’t say you weren’t warned.

  103. JJ the Welfare Queen says:

    Bill is Gross

    joyce says:
    October 31, 2013 at 2:32 pm

    “Gross said he and other top 1% earners need to recognize that they have had the “privilege of riding the credit wave and a credit boom for the past three decades.”

    I noticed in his latest missive he doesn’t advocate for ending the wave of credit at any point.

  104. Painhrtz - Disobey! says:

    Chi, they can’t have the light worker fail, if he fails the Americans may get mistrustful of government then the whole crony capitalism things falls like a house of cards.

  105. chicagofinance says:

    You are always borderline obnoxious to others here, but this post comes across as truly condescending….

    “American colonists prevailed in the conflict against, arguably, the finest military force of the era by using frontier tactics. American militia, or minutemen, rushed forth whenever the alarm sounded to confront the brightly dressed British regulars, who marched across the battlefield in tightly bunched formation, offering easy targets. Colonists hid behind rocks, trees, and fences and used their rifles to wreak havoc on the advancing redcoats, who were armed with inaccurate smoothbore muskets.”

    joyce says:

    October 31, 2013 at 1:51 pm

    I don’t think that has any bearing on the merits. And I must be having a bad day, cause once again I didn’t follow one of your references (“it is akin to the British military in the Revolutionary War”)

    chicagofinance says:
    October 31, 2013 at 1:40 pm
    Also, Snowden is taken out of context, because it isn’t as if we are the naughtiest girl on the block in this area…..

  106. chicagofinance says:

    joyce: you also need to review Snowden’s character and/or mental state…..reinforcing my point….rephrasing….it doesn’t matter Snowden’s motivations, because he was morally/constitutionally justified…..

  107. chicagofinance says:

    I do my own marketing…..

    JJ the Welfare Queen says:
    October 31, 2013 at 2:12 pm
    Chif are going to be on the PR call?

  108. chicagofinance says:

    It appears that you have company…..
    http://blog.zap2it.com/pop2it/2013/10/matt-lauer-is-pamela-anderson-as-today-does-baywatch-laverne-shirley-and-more-for-halloween.html

    Spine Snapper says:

    October 31, 2013 at 2:27 pm

    theo (67)-

    Damn. Is this why I’m growing t!ts?

    “I’d be curious if this was the effect of improved policing tactics or just the excess supply of estrogen in the drinking water.”

  109. chicagofinance says:

    Dated from the post-election period, but stunningly cogent and concise….
    https://www.youtube.com/watch?v=rEM4NKXK-iA

  110. chicagofinance says:

    Israel bombed Syria?

  111. chi (111)-

    Then, these rictus-faced dolts read us the “news”, and we’re expected to swallow whatever propaganda these submental bags of blood happen to be selling.

  112. If AQ really wanted to have some fun, they’d attack on a morning when they knew these dinner-theater washouts- masquerading as journalists- were going to be cr0ss-dressed or engaged in some other humiliating, self-degrading activity.

    Folks, we have we reached the point at which we are simply too stupid to survive.

  113. Libturd at home says:

    “Folks, we have we reached the point at which we are simply too stupid to survive.”

    You are just realizing this now?

  114. anon (the good one) says:

    @pourmecoffee: Still recovering from worst recession since Great Depression, $5 billion in food stamp cuts affecting 1 in 7 Americans begin tomorrow.

  115. joyce says:

    To try to respond to all of your additional comments in one fell swoop, I do not believe the basis for my opinion is form over substance. When it comes to the rule of law & government legitimacy, form is substance as well. The ends never justify the means. Interpreting the constitution or any law as to justify something, is not the same as amending it. If we don’t follow the process of making/amending laws, those in power won’t follow the current laws either. I believe we have ample evidence of that.

    chicagofinance says:
    October 31, 2013 at 1:20 pm

    you place form over substance in this area…

  116. anon (the good one) says:

    @BarackObama: Since President Obama took office in 2009, the national deficit has been cut by more than half: http://t.co/s0ByngWJcV

  117. joyce says:

    chicagofinance,

    “Also, Snowden is taken out of context, because it isn’t as if we are the naughtiest girl on the block in this area…..”

    So unless I misunderstood this statement, you’re saying it’s okay (or puts the revelations in better light, or gives some justification to them) because other countries the same if not worse things to their citizens and abroad. Right? If that’s what you’re saying, it sounds an awful lot like Obama is great – compared to …

  118. anon (the good one) says:

    @MMFlint: Going trick-or-treating tonight in Ted Cruz’s neighborhood dressed as a Zombie Victim of Canadian Socialized Medicine.

  119. anon (the good one) says:

    neo-Nazi father would still be alive had he been armed

    @NewsBreaker: BREAKING: Boy who was 10 when he killed his neo-Nazi father committed to California juvenile facility – @AP

  120. Ragnar says:

    119, anon
    Thanks for keeping me aware of all the sanctimonious left wing retardation there is spread around the internet. What is the mother ship feeding the mindless zombie lefties like you with infectious twitter slogans?

    Also, for all your work spreading the word, here’s your trophy, bouquet, and crown. Congratulations! http://tinyurl.com/l48f5x3

  121. chicagofinance says:

    Let’s whip out the old strawman……..so what do you say when this place gets leveled some time in 2014 thanks to Snowden’s interference?
    http://www.emanuelnyc.org/
    Is that enough fcuking substance for you?

    joyce says:
    October 31, 2013 at 5:18 pm
    I do not believe the basis for my opinion is form over substance. When it comes to the rule of law & government legitimacy, form is substance as well.

  122. Juice Box says:

    Just back from trick or treating. Lots of really nice people in my neighborhood. Guy down the block had a fire stove, and his whole extending family out front relaxing and he was was handing out beer to any adult that wanted one. Many of our neighbors are getting together in December for a Holiday Party at a restaurant nearby, they all asked if we would be attending. Also saw a few hotties I did not know about, can’t wait to chat with them at the Whole Foods as I load my shopping cart up with expensive wine and truffles. I also hope they appreciate my shirtless body standing out in the sun supervising the help as they cut my lawn and clean my pool.

    I like my neighborhood….

  123. HouseWhineWine says:

    Why is it just fine for seniors to get medical care through Medicare yet 1/2 the population of the U.S. throws a giant hissy fit when the rest of us want to sign up for something similar? I work in healthcare and I sure don’t see any of our patients on Medicare crying about how they want to get off of their coverage! I just cannot for the life of me understand it.

  124. chicagofinance says:

    House: because medicare covers some of the population, but not the whole country….it is really expensive and we can’t afford medicare as it is….especially with the baby boomer locusts laying waste to the country…….

  125. chicagofinance says:

    The Year in Sports Halloween Costumes

    I’m partial to the Buttfumble……I can guess what is Nom’s fave…..
    http://online.wsj.com/news/articles/SB10001424052702304073204579167973752076650

  126. chicagofinance says:

    Note at the bottom of this page the
    Simple Costume Racism Evaluation and Assessment Meter
    http://blogs.wsj.com/speakeasy/2013/10/31/how-not-to-be-racist-on-halloween/

  127. Libturd at home says:

    Gator’s dad is a Foxnews disciple. He’s like the polar opposite of Anon. When I asked him why single payer was fine for him, but not for everyone else, he said that the country simply couldn’t afford it. What a crock.

  128. Happy Renter says:

    [112] “Dated from the post-election period, but stunningly cogent and concise….
    https://www.youtube.com/watch?v=rEM4NKXK-iA

    Great stuff. Funny how libtards love putting guns to people’s heads and telling them what to do (and think). I think it all stems from some fundamental defect in their personalities; they have an innate need to boss people around.

  129. Tried to give out some candy at the store for Halloween. What a mistake. After 10-12 Bebo imitators tried to bypass my handout to dig into the bowl with both hands (with parents standing there, doing nothing to discipline their two-legged hyenas), I ditched the candy bowl and put a “no candy” sign in the door.

    The first “thank you” I heard tonight was from a customer who had just gotten bum-rushed at his own front door by a pack of these born losers.

  130. Juice Box says:

    RE # 132 – Spine be fare now they are kids after-all. In my neck the woods the young ones took one candy.The 7-20 year olds ones took whatever I would allow. BY 7PM the older kids say preteen and teen grabbed as much as they could. They also knew if they listened to adult for a long time they could get as much candy as desired. I am not surprised the city kids did the same.

  131. joyce says:

    How is that a strawman? Is it too much for the ‘authorities’ to have to investigate and find probable cause, get a judge to sign a warrant (not in secret), etc to then tap phones/search email on an American? Have you heard me say one peep about the USA spying on foreigners?
    Because you and a shameful amount of others do not value your privacy as much as I do… that gives you the authority to strip me of rights?
    (next thing you’ll know, if the majority of votes a certain way… they can take your moeny & property – oh wait)

    chicagofinance says:
    October 31, 2013 at 6:01 pm
    Let’s whip out the old strawman……..so what do you say when this place gets leveled some time in 2014 thanks to Snowden’s interference?

  132. joyce says:

    “Pressed by the Democratic chairman of the Senate Judiciary Committee at an oversight hearing, Gen. Keith B. Alexander admitted that the number of terrorist plots foiled by the NSA’s huge database of every phone call made in or to America was only one or perhaps two — far smaller than the 54 originally claimed by the administration.”

    [not my commentary follows:]
    But wait a second — Clapper assured the American people (and Congress) that this program was not only lawful it was producing actual stops of actual terrorist plots.

    Now the number is “one or perhaps two” — and that number is hedged, which means it might really be zero?

    First Clapper lied under oath and said that the NSA was not collecting any data about millions of Americans — a lie exposed by Snowden.

    Then he lied again when he claimed that these agencies were using the programs in question to produce actual results and had foiled actual plots (note the plural.)

    Now it turns out that the program has done nothing other than produce a grand treasure trove of data that the government can use retrospectively, any time it would like for illicit purpose.

    http://www.washingtontimes.com/news/2013/oct/2/nsa-chief-figures-foiled-terror-plots-misleading/?page=all#pagebreak

    chicagofinance says:
    October 31, 2013 at 6:01 pm
    so what do you say when this place gets leveled some time in 2014 thanks to Snowden’s interference?

  133. chicagofinance says:

    joyce: we have a difference of opinion…..I take umbrage with the word “shameful”….we each have our own set of foibles so chill…..

  134. chicagofinance says:

    The Clot Halloween International Football Report…..

    The wife of a kidnapped football star was left horrified after discovering her husband’s severed head on her doorstep.

    Brazilian Joao Rodrigo Silva Santos was last seen getting into a car earlier this week and his wife and police became concerned for his welfare after he failed to return home.

    Police in Rio de Janeiro said they believed the former star had been targeted by drug gangs due to his wife Geisa’s job at a police station.

    The 35-year-old had played for several teams in his native city as well as internationally, the Mirror reported.

    His head was found inside his own backpack with the eyes and tongue removed.
    A relative of the family spoke of his shock over the death and said it had come as a complete surprise to Geisa.

    “She was getting ready to go to work at 5.30am when she heard a noise, opened the door and saw his rucksack. Inside was his head. From what I know, neither had any enemies,” he said.

    It is understood the body of the footballer has not yet been found.

  135. chicagofinance says:

    joyce: if you are going to use the word “shameful”, I would say to cast a finger (preferably the middle digit) at the neanderthals that inhabit the state of Texas….
    http://www.bloomberg.com/news/2013-10-31/texas-wins-emergency-delay-can-enforce-abortion-limits.html

  136. chicagofinance says:

    Those who do not support choice must be first in line to adopt unwanted babies, and should be prepared to take that responsibility several times over…….note: choice is not pro-abortion….

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