From HousingWire:
More refinancing homeowners choose shorter loan terms
Of all the borrowers refinancing Freddie Mac-linked loans in the third quarter, 37% moved into shorter loan terms, up 5% from the previous quarter and the highest level recorded since 1992, the housing enterprise claims in a report.
The takeaway from the report: two out of five borrowers managed to cut their loan terms during the refi process in 3Q.
Freddie released its third-quarter 2013 quarterly refinance update on Tuesday, which included those findings.
The study noted that interest rates remain low enough to attract borrowers looking to refinance even as rates edge up from early 2013 levels. What was telling was how many homeowners wanted shorter-loan terms – regardless of whether they took out a Home Affordable Refinancing Program mortgage or went through some other channel.
While 32% of HARP borrowers refinanced into shorter-term loans, 40% of those refinancing outside of HARP also took on mortgages with faster pay-off schedules, Freddie said.
All of the borrowers who refinanced in the third-quarter will end up saving $6 billion in total interest over the next year, with the average interest rate reduction hitting 1.8 percentage points, or roughly 30% in savings.
This equates to a borrower saving $3,500 in interest payments over the next year on a $200,000 loan, according to Freddie. On the other hand, borrowers who went through HARP are likely to save a bit more, with Freddie estimating an interest savings of $3,850 during the first 12 months of the refi – or $320 per month.
I’m Freezing Mr. Bigglesworth!
Re: #70 last thread. Chi Christmas in July? Maybe he never took the lights down?
That’s what you get for living with those Pineys down there, chifi. :)
juice…..my favorite product at WF that gives me the “You Got Serious Balls” charging that price…..it is some variation of this thing that costs almost $23……..and I have no clue why……maybe it is made with aged NY Strip or something…..
http://www.swansonvitamins.com/maranatha-almond-butter-no-stir-crunchy-12-oz-jar?SourceCode=INTL405&CAWELAID=820348139&catargetid=530002460000000567&cadevice=c&mkwid=tajrpZ3o&pcrid=18953397607&cagpspn=pla&gclid=CN2Xzbvm4boCFW3NOgod1RgAoQ
Juice Box says:
November 13, 2013 at 7:11 am
Re: #70 last thread. Chi Christmas in July? Maybe he never took the lights down?
Even Eli’s toddler daughter, Ava, understands her father is famous, and not only because he is the quarterback of the Giants. Eli Manning appears in billboards at Dunkin’ Donuts locations, including one in Hoboken, N.J. where Eli and his family live.
“It was kind of funny with my wife the other day, she had my daughter,’’ Eli said. “So, they ran into a Dunkin’ Donuts, they were waiting in line… kind of crowded, about 8 in the morning … and all of a sudden, my daughter, she looks up and sees [the Eli Manning billboard]. She starts going ‘Daddy, daddy, daddy!’ pointing at it and my wife’s kind of like ‘Hey, shh,… be quiet, be quiet,’ and so she was very confused as to why there was a cardboard cutout of me in Dunkin’ Donuts.”
We have a neighbor down the road we affectionately refer to as Christmas Plans. It is a long story, but he has started already. If Kettle was still on I’m sure he could confirm the 20 foot pine tree stumps turned into candy canes mid november here in Randolph by Ole Christmas Plans.
For the prices WF charges, they should put c0caine in the food.
First six Giant Games this season he played like he was a cardboard cutout.
chicagofinance says:
November 13, 2013 at 8:12 am
Even Eli’s toddler daughter, Ava, understands her father is famous, and not only because he is the quarterback of the Giants. Eli Manning appears in billboards at Dunkin’ Donuts locations, including one in Hoboken, N.J. where Eli and his family live.
“It was kind of funny with my wife the other day, she had my daughter,’’ Eli said. “So, they ran into a Dunkin’ Donuts, they were waiting in line… kind of crowded, about 8 in the morning … and all of a sudden, my daughter, she looks up and sees [the Eli Manning billboard]. She starts going ‘Daddy, daddy, daddy!’ pointing at it and my wife’s kind of like ‘Hey, shh,… be quiet, be quiet,’ and so she was very confused as to why there was a cardboard cutout of me in Dunkin’ Donuts.”
Pain,
I was in your neck of the woods the other day and saw this. It just seemed out of place to me……..
http://www.coldwellbankermoves.com/property/details/3573643/MLS-3053950/109-Morris-Turnpike-Randolph-Township-NJ-07869.aspx?StateID=36&RegionID=0
“And the moral of the story? It is great to be a lawyer. 50% of a $1Mill settlement.
Don’t ask questions when your property taxes go up and don’t blame the governor.”
http://www.nj.com/middlesex/index.ssf/2013/11/lame-duck_mayor_in_edison_draws_fire_for_police_promotions_1m_legal_settlement.html#incart_m-rpt-1
AllWisdom1 hour ago
Are the salaries reported in the article accurate? Why in the world are suburban cops making this much money? That itself is criminal!
Does anyone else find these salaries shocking?
pole73259 minutes ago
those salaries are the norm for local town officers in nj, . yes those salaries are a crime. they make more then the people in washington who make laws for the nation and do less. Why the need for 10 captains, two deputy chiefs and a chief. Whats their job description, to watch and try and look like they are needed
AllWisdom18 minutes ago
What are the qualifications for an Edison police officer?
BillChit8 minutes ago
@allwisdom: What are the qualifications for an Edison police officer?
To have a politically connected relative in that town, or surrounding towns that play a shell game with their relatives to keep the nepotism under wraps.
Teacher married to a Cop in NJ means you are a one percenter.
Who are you to question anyway, shut your mouth commoner.
Michael (10):
Edison is the most corrupt town outside of Hudson County. We used to say back in the good old days that to become an Edison Police Officer all you needed was a pulse and 25k political donation to the mayor. Seems things have not changed much in 20 years.
Looks like a mausoleum……where are the cadaver drawers?
Phoenix says:
November 13, 2013 at 8:52 am
Pain,
I was in your neck of the woods the other day and saw this. It just seemed out of place to me……..
Phoenix for Randolph not really. For that neighborhood overpriced by about 300 grand and cheaply done. I pass every week so have seen it go up. Has three of my house faux pas, Brick facade vinyl around the rest of the house, chimney wart covered by vinyl, and the style does not fit the neighborhood (mostly colonials, splits and capes). A cape was just redone down the road that looks absolutely fantastic well will probably list for 599 and will be snapped up quick. I ppity the poor bastard that buys that place, but at least it has balconies to jump off of.
Phoenix [9],
That thing is hideous!
and if you were looking for a house like that would you not want this place instead. Cheaper similar build private yard
http://www.coldwellbankermoves.com/property/details/3691264/MLS-3084146/11-Barbara-Dr-Randolph-Township-NJ-07869.aspx?RegionID=0&StateID=36
WF likes to reel you in just like any other supermarket. My favorite there is they defrost the frozen lobster tails, the tiny 3 oz ones and charge you $10 each for them same ones from the same ocean that cost $3.99 at ShopRite.
Here you go kids. You can really impress family and friends with this one. This was just dropped to 649K. I was in this one at an open house months ago. It needs updating, it’s dirty and the place smells like wet dog. With a mere 130K down, your mortgage payment will be only around $2500 per month. That sounds doable, right? Oh wait… how much are the property taxes? $19,000 per year? Oh… nevermind.
http://www.trulia.com/property/3114944021-48-Alpine-Ter-Hillsdale-NJ-07642
Why do I feel like the Jetsons live here?
http://www.trulia.com/property/3127965137-76-Douglas-Dr-Hillsdale-NJ-07642#photo-1
This one sold for 525K in 2010 and they’re asking 629K. Would you buy it for that price knowing what they paid? Putting in gaudy furnishing does not equate to return on equity. They need to swallow their losses and move out to Ohio where they belong.
http://www.trulia.com/property/3131887896-121-Ross-Ave-Emerson-NJ-07630#photo-25
while rare, 401(k) millionaires aren’t purely theoretical creatures. Among the 12 million people with 401(k) accounts managed by Fidelity Investments, for example, about 50,000, or 0.4%, have balances of seven figures or more.
Not all of them are Mitt Romney (or his colleagues), either. In fact, of the 5,500 millionaires Fidelity studied closely, 1,000 – or about 18% – earn less than $150,000 annually.
What do these guys know that the rest of us don’t? Not much, it turns out. According to Fidelity, the advantage today’s 401(k) millionaires have is mainly behavioral. “They have the discipline and commitment to save” early and often, says Jeanne Thompson, vice president of market insights at Fidelity.
Specifically, Thomson found that the current 401(k) millionaires:
Started saving early and therefore had accumulated $426,000, on average, by 2000. (Their current average balance: $1.2 million.)
Saved 14% of their annual pay, on average, not including their company match.
Took full advantage of company contributions that averaged 4.8%, by saving up to their employer’s match and receiving profit-sharing contributions.
“They are like ironmen,” says Thompson. “They are committed and disciplined about saving and are in it for the long haul.”
The 401(k) millionaires also sidestepped two pitfalls that plague a significant number of investors. They’ve held a relatively high percentage of their assets in equities – with an average equity allocation of 88% at age 45 and of 54% at age 70. Stocks tend to earn higher returns than bonds and cash over time and so make it easier to build wealth. Thomson notes that, despite that historical tendency, “some young people shy away from equities.”
Moreover, she adds, the millionaires kept their hands out of the cookie jar. These days, 44% of those under age 30 who change jobs cash out their 401(k) accounts, a move that requires them to pay income taxes on the entire distribution—and, often, start their retirement savings over from scratch, says Thompson.
Given that today’s crop of 401(k) millionaires benefited from the long bull market that stretched from 1982 to 2000, how likely is their experience to repeat? Fidelity calculates that someone who earns $40,000 a year and starts saving at age 25 will have $1 million by age 67, assuming he or she receives 1.5% annual raises, saves 16% a year, and earns a 7% annual return. If returns average 5.5%, he or she would need to instead save 22% a year—a sum that includes the employer match.
Juice Box [18],
It’s all about being in the moment and feeling like one belongs. We’re prestigious, remember? Appearances matter. The Shoprite lobster is not the same. What would friends and neighbors think if they saw you packing your car in the parking spot next to Magda?
JJ [22],
The millionaire next door. There are more people with a net worth greater than $1,000,000 in Southern Bergen County than in Northern Bergen County.
As you view these pictures, I want you to think about the scent of dirty dog and boiled cabbage simmering in Rheingold beer:
http://www.trulia.com/property/3103258061-272-Birch-St-Emerson-NJ-07630#photo-1
If you like the house, make them an offer that you think is good. What do you have to lose?
Fast Eddie says:
November 13, 2013 at 10:21 am
This one sold for 525K in 2010 and they’re asking 629K. Would you buy it for that price knowing what they paid? Putting in gaudy furnishing does not equate to return on equity. They need to swallow their losses and move out to Ohio where they belong.
http://www.trulia.com/property/3131887896-121-Ross-Ave-Emerson-NJ-07630#photo-25
Pain
Saw the blue cape, it is nice. Turns out it is a new modular, foundation is a superior walls system so quicker to build.
16 Eddie
Pics don’t do it justice. Looks much worse in person. My preschooler called it a hospital.
Once again, I find a story on a mainstream site critical of Obama, and when I click to read it, Oops, file not found. Maddening how much this happens.
http://news.yahoo.com/dems-seek-cover-obamacares-promise-keeping-health-plan-020736796–abc-news-politics.html
I never had this much trouble finding complete stories on Bush’s foibles.
joyce,
No argument here! When mine was “technically” sold a little over a year ago, I made a number of offers. All were within 90% of asking and no one wanted to volley. They didn’t want to play and I wasn’t about to appease some of these jerk0ffs. I bent more than enough on my sale price and tried to play nice. My buyers would’ve extended the contract indefinitely but after 7 months of turning over every stone, I pulled the plug. But you’re right; can’t win it unless you’re in it.
anon must be sorry about his major now . . .
http://career-services.monster.com/yahooarticle/top-5-most-regretted-majors#WT.mc_n=yta_fpt_article_most_regretted_majors
Nom,
Isn’t it amusing that the Dems are now looking for delays, extensions, rescue missions, lifelines and an emergency response to this disaster? Kharma is a b1tch. Let them all go f.uck themselves. I hope the conservatives attack relentlessly. Can you imagine a Bill that’s presented to delay and the Right side of the isle refuses to back it? What are the Dems going to say, the Republicans don’t want to do the right thing and “Delay” Obamacare? What sweet f.ucking irony!
That is how you do it……..over and over the story is the same…..
JJ the Welfare Queen says:
November 13, 2013 at 10:23 am
while rare, 401(k) millionaires aren’t purely theoretical creatures. Among the 12 million people with 401(k) accounts managed by Fidelity Investments, for example, about 50,000, or 0.4%, have balances of seven figures or more.
Not all of them are Mitt Romney (or his colleagues), either. In fact, of the 5,500 millionaires Fidelity studied closely, 1,000 – or about 18% – earn less than $150,000 annually.
What do these guys know that the rest of us don’t? Not much, it turns out. According to Fidelity, the advantage today’s 401(k) millionaires have is mainly behavioral. “They have the discipline and commitment to save” early and often, says Jeanne Thompson, vice president of market insights at Fidelity.
Specifically, Thomson found that the current 401(k) millionaires:
Started saving early and therefore had accumulated $426,000, on average, by 2000. (Their current average balance: $1.2 million.)
Saved 14% of their annual pay, on average, not including their company match.
Took full advantage of company contributions that averaged 4.8%, by saving up to their employer’s match and receiving profit-sharing contributions.
“They are like ironmen,” says Thompson. “They are committed and disciplined about saving and are in it for the long haul.”
The 401(k) millionaires also sidestepped two pitfalls that plague a significant number of investors. They’ve held a relatively high percentage of their assets in equities – with an average equity allocation of 88% at age 45 and of 54% at age 70. Stocks tend to earn higher returns than bonds and cash over time and so make it easier to build wealth. Thomson notes that, despite that historical tendency, “some young people shy away from equities.”
Moreover, she adds, the millionaires kept their hands out of the cookie jar. These days, 44% of those under age 30 who change jobs cash out their 401(k) accounts, a move that requires them to pay income taxes on the entire distribution—and, often, start their retirement savings over from scratch, says Thompson.
Given that today’s crop of 401(k) millionaires benefited from the long bull market that stretched from 1982 to 2000, how likely is their experience to repeat? Fidelity calculates that someone who earns $40,000 a year and starts saving at age 25 will have $1 million by age 67, assuming he or she receives 1.5% annual raises, saves 16% a year, and earns a 7% annual return. If returns average 5.5%, he or she would need to instead save 22% a year—a sum that includes the employer match.
Rut roh, raggy . . .
http://finance.yahoo.com/news/obamacare-driving-doctors-refuse-insurance-132541502.html
Fast Eddie says:
November 13, 2013 at 10:34 am
As you view these pictures, I want you to think about the scent of dirty dog and boiled cabbage simmering in Rheingold beer:
https://www.youtube.com/watch?v=lMpc-u0RoHY
ChiFi,
She seems like a sweet old lady. The problem is, her greedy, fat, stup1d, f.ucking low life children are the ones who will be looking for a score on behalf of her passing. They never visited when the parents were alive, never cared that the roof was leaking like a sieve but will cash the check before the ink is dry. Can they at least put flowers on the grave next Mother’s Day?
JJ: check this out….more corporates pissing money away at the behest of bankers….
First VZ, then Reynolds American….now SBC….
Description SBC COMMUNICATIONS
Offer TENDER
Offer Description OFFER BY AT&T INC.
Offer Dates
Cut-Off Date 11/15/2013 Cut-Off Time 19.00.00
Withdrawal Date 11/15/2013 Withdrawal Time 12.00.00
Expiration Date 11/19/2013 Expiration Time 17.00.00
SHORT WINDOW/LATE NOTIFICATION: NO MAILING WILL BE MADE TO HOLDERS, THUS
WE URGE YOU TO CONTACT YOUR CLIENTS. THE OFFER DOCUMENT CAN BE FOUND AT
THE FOLLOWING LINK: http://WWW.GBSC-USA.COM/ATT(UNDERSCORE)20131105/ATT
(UNDERSCORE)TO(UNDERSCORE)20131105.PDF
+
GENERAL OFFER TERMS: AT AND T BELLSOUTH IS OFFERING TO PURCHASE UP TO
USD4,000,000,000 OF THE SERIES OF NOTES FOR THE MAXIMUM TENDER OFFER,
LESS THE AGGREGATE PRINCIPAL AMOUNT OF THE ANY AND ALL NOTES VALIDLY
TENDERED IN THE ANY AND ALL OFFER AT A PURCHASE PRICE TO BE DETERMINED.
IN ADDITION, THE ABOVE NOTES HAVE A TENDER CAP OF USD500,000,000.
+
+++++THE ABOVE NOTES HAVE AN ACCEPTANCE PRIORITY LEVEL OF 2 OUT OF 9.+++
PAYMENT CONSIDERATION: FOR THE ABOVE NOTES, HOLDERS WHO TENDER AT OR PRIOR
5:00 PM, NEW YORK CITY TIME ON 11/19/13 (THE ‘EARLY TENDER DATE’), WILL
RECEIVE THE ‘TOTAL CONSIDERATION’ FOR EACH USD1,000 PRINCIPAL AMOUNT OF
NOTES TENDERED, WHICH WILL BE DETERMINED BY REFERENCE TO A FIXED SPREAD
(35 BASIS POINTS) OVER THE YIELD BASED ON THE BID SIDE PRICE OF THE US
TREASURY 0.625 PER CENT DUE 10/15/16 AS CALCULATED BY THE DEALER MANAGER
AT 2:00 PM NEW YORK CITY TIME ON NOVEMBER 19, 2013 AS DISPLAYED ON THE
BLOOMBERG REFERENCE PAGE PX1 (THE ‘TOTAL CONSIDERATION’), PLUS ACCRUED AND
UNPAID INTEREST, IN NUMERICAL ACCEPTANCE PRIORITY LEVEL, SUBJECT TO
PRORATION. THE TOTAL CONSIDERATION INCLUDES A USD30.00 PER 1,000 P.A.
EARLY TENDER PAYMENT FOR HOLDERS WHO TENDER ON OR BEFORE 11/19/2013.
HOLDERS WHO TENDER AFTER THE EARLY TENDER DATE BUT PRIOR TO THE OFFER
EXPIRATION OF 12/04/13 WILL RECEIVE THE TOTAL CONSIDERATION LESS THE
USD30.00 PER 1,000 P.A. EARLY TENDER PAYMENT, SUBJECT TO ACCEPTANCE
PRIORITY LEVEL AND PRORATION.
+
SETTLEMENT DATE: THE OFFER SETTLEMENT DATE IS CURRENTLY EXPECTED TO BE
12/05/13.
+
NOTES MAY ONLY BE TENDERED IN A MINIMUM OF USD2,000 AND MULTIPLES OF
USD1,000 THEREOF.
+
//IF YOU WISH TO TENDER VIA THE IFA SYSTEM, SELECT ‘POSITIONS’ UNDER THE
TENDER OFFER, THE ‘OPTION1’.
IF YOU WISH TO TENDER, ENTER INSTRUCTIONS VIA THE REOR SYSTEM PLEASE USE
OFFER CODE ‘TND’.
Li Lan a vu que plusieurs scientifiques de ugg soldes ne pas mentir à moi-même, mais pour leur propre bien, et mon cœur a été touché. Li Lan sourires aimables: «Oh! Vous ne vous inquiétez pas, je crains que ceux d'entre vous montrer le chemin en face de lui" Que plusieurs scientifiques voient Li Lan tellement insisté sur pas osé arrêter, ils devaient être la couche inférieure du laboratoire Laisser ouvrir. Li Langang aller
Affinion is calling my 11.5% in a voluntary tender to replace with bonds paying up a 14.50% coupon.
That is crazy. How can new bond not default. You have to give up a ton of protection to get that higher coupon.
Fidelity calculates that someone who earns $40,000 a year and starts saving at age 25 will have $1 million by age 67, assuming he or she receives 1.5% annual raises, saves 16% a year, and earns a 7% annual return
—-
those are some ambitious assumptions….
(31)
” “Instead of recognizing the broad spectrum of careers that they can pursue, they focus on their inability to find a career with an exact reference to their major.”
Anthropology majors could consider work in community organizations or government…”
hahahaha
” This major is recommended by only 33 percent of its graduates. Many history majors go on to work in academia, or may find jobs with government agencies…”
hahahaha
That started well before, but Obamacare will surely accelerate the trend.
Comrade Nom Deplume, Guardian of the Realm says:
November 13, 2013 at 11:32 am
Rut roh, raggy . . .
http://finance.yahoo.com/news/obamacare-driving-doctors-refuse-insurance-132541502.html
I am one of the .04% at Fidelity. Sometimes I go to branch if I get a rare check or something as it is near office. Usually some young pretty girl or young guy behind desk. I am usually depositing a small check lets say an odd flex spending or stubhub check and I dont really dress up much as we have business casual.
They always give me a weird look with my seven figure account. Weirdest ever guy forced me once to do a retirement planning workshop. He enters in my info and expenses and savings and pops out your retirement date which was today. In fact it comes up at Fidelity today every day.
chicagofinance says:
November 13, 2013 at 11:29 am
That is how you do it……..over and over the story is the same…..
The automatic millionaire.
And what will 1 million get you in 2055? Friskies for life?
“They always give me a weird look”
Must be similar to the weird look I got in 20010, when I refinanced my multi into a shorter duration loan. It appears, I was the first person in a number of months to shorten a loan there. When I wrote a check for the fees, rather than roll them into the loan, he was even more dumbfounded.
Make that 2010.
http://www.niagarafallsreporter.com/Stories/2013/Nov12/earn.html
The End Is Nigh (Paternity Edition):
10 is enough! Antonio Cromartie ‘got snipped’
How can you tell a blog is dying? It becomes an online conversation between three people.
[50] essex
Hope you have better luck with your next blog.
Well, I’m off to sue my former landlord. Is he ever gonna be pissed.
But before I go, everyone needs a laugh
http://screen.yahoo.com/comedy-central/obamacare-enrollment-troubles-050000623.html
On November 13th……..
Felix Unger was asked to remove himself from his place of residence…
That request…came from his wife.
OSCAR..Im not fat
FELIX… THAT IS FAT
OSCAR… THAT IS FUN FAT
FELIX…I DONT HAVE THAT
OSCAR..YOU DONT HAVE ANY FUN
Richie Incognito and Riley Cooper are among the NFL players who have come under fire for racially insensitive incidents this year. Rob Gronkowski may be next.
TMZ has posted a video of the Patriots tight end mocking an Asian fan. (See below.) The incident was reportedly filmed during a fan event last weekend. Gronkowski was scheduled to attend a watch party Sunday at Bar Louie in Foxboro.
When an Asian man wearing a Gronkowski jersey began dancing, the Pro Bowler said into the microphone: “They told me he could only cook fried rice.” Gronkowski later referred to the Asian fan as “Leslie Chow” after Ken Jeong’s character in The Hangover.
The remarks caused an event organizer to grab the microphone and remind those in attendance that they all signed waivers agreeing to hand over all cell phone footage.
Had to dial back in briefly for this . . .
http://www.cnbc.com/id/101195604
Lesson dual citizens and the rich are mobile the rest of us are rats on a sinking ship.
Somebody get me the f out of here.
Todd Christensen < Vigoda
Time to open up a cash for gold place. Didn’t know they pay less than 10c on the dollar….
http://www.dailyrecord.com/article/20131113/NJNEWS/311130019/Long-Valley-man-charged-selling-stolen-jewelry
the best part is that you don’t need financial advisor sukcing fees out of your labor
chicagofinance says:
November 13, 2013 at 11:29 am
That is how you do it……..over and over the story is the same…..
JJ the Welfare Queen says:
November 13, 2013 at 10:23 am
while rare, 401(k) millionaires aren’t purely theoretical creatures. Among the 12 million people with 401(k) accounts managed by Fidelity Investments, for example, about 50,000, or 0.4%, have balances of seven figures or more.
Amazing how a company founded 2 years ago with no revenue that is used by kids for sexting turns down a 3 billion dollar offer.
#30,
I hear ya. I may just continue to rent rather than deal with the buffoons out there. Sick of being treated like a shoe gum by realtors who seem to think half-million for an old condo is cheap and crudd-ridden starter homes are 700K and up. I found one reasonable seller with outdated but clean house that was under 500k..but I waited one day too long. Place sat for two months and he just accepted an offer yesterday. I put in three offers this year and two are still on market. Sellers would not come down even 3%. It is a joke.
[42] joyce,
It was a microtrend until recently; something that most doctors could only dream of doing. Suddenly it gains momentum, so much so that insurers are adjusting to take advantage of the trend. The result clearly is Obamacare.
Now that the Dems are clamoring for Obama to permit you to keep your insurance, in essence grandfathering in more plans, that will undercut Obamacare and make it more of an expense to the taxpayer. And the rub is, the ones that will make out under the concierge care and grandfathering scenarios are precisely the folks Obama wants paying into his plans. Oh, the irony.
This Bojanglescare thing is going to be the kill shot to the necronomy.
These fcuking idiots are so stupid, they can’t even set up a Ponzi right.
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