From the WSJ:
Lenders Step Up Financing to Subprime Borrowers
Loans to consumers with low credit scores have reached the highest level since the start of the financial crisis, driven by a boom in car lending and a new crop of companies extending credit.
Almost four of every 10 loans for autos, credit cards and personal borrowing in the U.S. went to subprime customers during the first 11 months of 2014, according to data compiled for The Wall Street Journal by credit-reporting firm Equifax.
That amounted to more than 50 million consumer loans and cards totaling more than $189 billion, the highest levels since 2007, when subprime loans represented 41% of consumer lending outside of home mortgages. Equifax defines subprime borrowers as those with a credit score below 640 on a scale that tops out at 850.
Lenders’ interest in customers who were the hardest hit by the financial crisis reflects both the relative health of the U.S. economy and firms’ desires to take more risks at a time when ultralow interest rates are depressing profits.
It also shows Americans are willing to take on more debt, which was reinforced by a Federal Reserve Bank of New York report released Tuesday that showed total household debt increased $306 billion, or 2.7%, in the fourth quarter of 2014 from the year-ago period, to the highest level since the third quarter of 2010.
…
The push into subprime loans could have broad implications for the U.S. economy. Easy financing has already helped fuel U.S. auto sales, which totaled 16.5 million cars and trucks last year, an increase of 5.9% from 2013 and up 59% from 2009, according to automotive website Edmunds.com.Some observers said the availability of subprime credit is a positive for borrowers and the economy. “This is helping people on a real level, helping them move forward,” said Dennis Carlson, deputy chief economist at Equifax.
Others are more concerned. “It’s good while the party lasts, but it’s exposing exactly the kinds of people to a negative economic shock that you don’t want to expose,” said Amir Sufi, a University of Chicago finance professor. Subprime borrowers, who pay much higher interest rates on loans than customers with good credit scores, are more prone to missing payments in periods of economic distress, said Mr. Sufi.
Buy Now! Or….be priced our 4Eva!!
We need a new generation of greater muppets! Bargain basement Ninja loans (bargains for those living in their parents’ basement) on the horizon!
http://stories.sfglobe.com/2015/02/21/jp3/?src=share_fb_new_35581
really cool. 1956 house for sale in Mint Condition never lived in.
@stiglitzian:
If there is a moral hazard, it is on the part of the lenders who have been bailed out repeatedly.
What ever happened to the built-in can opener?
You can rent an apartment but regardless of your credit score or living condition, depending on where you live, you need a car to get around. I suspect these are more used vehicles.
Was doing a due dili of a servicer in NC and one of the managers said…people will pay their car not before they pay their mortgage. I thought it was silly but I guess their experience has taught them otherwise.
Does anyone even use an electric can opener anymore?
http://www.williams-sonoma.com/shop/cooks-tools/can-openers/
I knew a guy who sold used cars in Detroit 20 years ago. He said everyone just wanted to know, “What’s the payment?”. It could be $200/month for a year or 20 years. Didn’t matter to the purchaser.
Worked for KY based company for a decade, car is more vital than home, car payments rule, car payments can even be weekly rather than monthly, however it can be arranged based on your pay cycle.
8 – You know how many people rolled their car finance payments into their mortgage refinance? Nothing like paying for a car for 30 years…
Reposting from last night….
Habitat for the well-off? N.J. lawmaker’s husband sought charitable aid to build new luxury home
When state Assemblywoman Linda Stender’s husband asked a Habitat for Humanity group for help after his nearly half million dollar Manasquan bungalow was destroyed by Hurricane Sandy, he wanted to replace it with a two-story house that would be nearly three times larger, documents show.
Zoning plans filed with Manasquan’s construction office show that Richard Stender, who owns a printing company and is married to the longtime Union County Democratic assemblywoman, sought to replace the 700-square foot, single story bungalow that the Monmouth County-based Coastal Habitat for Humanity demolished for him with a 2,000-square foot house.
The “Stender residence” plans, filed in August 2014, show a proposed home far from the more modest ones Habitat for Humanity groups typically build for lower-income families.
The plans call for four bedrooms, three and a half bathrooms, an eat-in kitchen, a dining room, a two-car garage, a wood-burning fireplace, a screened porch on each floor, and an outdoor shower with a “louvered ceiling,” privacy screen and a changing area.
Assemblywoman Stender did not respond to a call to her cell phone seeking comment. But last night, she acknowledged that her family had sought help from the non-profit group, which is intended to help lower-income homeowners.
“Like many others, our family suffered significant losses as a result of Hurricane Sandy,” Stender said in a statement. “An application was made to Coastal Habitat for Humanity to assist in rebuilding. There are outstanding issues which are the subject of continued efforts to resolve.”
Indeed, the house has been at a center of a dispute between Richard Stender and the non-profit group.
“When the plans were presented to Coastal Habitat and I saw them, I immediately said no,” said Maureen Mulligan, executive director of Coastal Habitat for Humanity. “This was not the type of house that Habitat builds, which is a three-bedroom one-and-a-half bath, 1,200 square foot house.”
Mulligan’s group helps homeowners who make up to 80 percent of Monmouth County’s median household income, which is $84,526. However, Linda Stender’s legislative financial disclosure records shows her combined income with her husband was at least $99,000 a year in 2012 and 2013.
The financial disclosures also list the Manasquan property as the only one owned by either Stender or her husband. Stender registered to run for reelection in 2013 from a Scotch Plains address, and told her district-mate, Assemblyman Jerry Green (D-Union), that she lives with her mother and that her husband lives in Manasquan.
http://www.nj.com/politics/index.ssf/2015/02/nj_assemblywomans_husband_sought_to_build_luxury_s.html
11- That’s sickening. Do people have any morals or values? This is for poor people, but of course some schmuck has to take advantage of the system and try to get habitat for humanity to build his beach house. Unbelievable.
Be warned, we can expect rehashed tweets from Twitless any moment.
Workplace Shooting in Moorsetown by an armed guard or armed tech for an ATM company. Don’t know how that fits in with his narrative.
I still use an electric can opener. Cost me $10. Been using the same one for 11 years. The whole cutting portion is easily removed to throw in the dishwasher. I think it’s an Oster. Long story short, I got both this can opener and a $500 industrial strength microwave from Best Buy for $10. I did the buy online, pick up in store thing to get Upromise dollars and they only charged me for the can opener. I tried in earnest to fix the mistake with the minimum wage earning millennial at the pick up counter, but she kept saying that I paid for both. Fortunately, I didn’t need any warranty service on it. :P Shame, I only earned the Upromise dollars for the can opener. Gator JR, might not be able to go to Princeton. But where ever he does eventually decide to go, he’ll have the best microwave oven in the dorm.
Nom, perhaps he was sick of the ATM fees?
My brother’s house is not far from where that shooting took place. There goes the neighborhood.
[11] NJGator
That’s someone who thinks they have privilege. The assumption of privilege warps your mind so that your wants and needs are always greater than other people.
(14) That is comical. Now, my wife insists on an electric can opener. She constantly wears them out. I stick with good old reliable manual one.
Now, when the middle one was a freshman in college, I bought him a used dorm room size fridge/microwave. Maybe like 75 bucks for both. Served him well, now his sister will finish with it in a year. I’ll probably wind up selling it for 75 bucks.
p.s. No wife jokes, JJ, please.
Lib – About 6 years ago I ordered about $200 worth of Bike stuff online from performancebike.com. New helmet, new cycling shoes (both on sale), maybe another item or two, and a couple spare tire tubes. A few days later I received an appropriately sized box, but it was very light. When I opened it up the only items inside, besides paper padding, were the $4 worth of bicycle tubes. Obviously somebody sealed the box up and sent it before the picking was done. I called up Performance and gave them a hard time and they said they would send the missing items right out. At the end of the call I reminded them that the missing items were the entire order except for the tubes. The next day I received all the missing items in a similarly sized box. Two days later I received all the missing items a second time. I figured they would call me if they wanted any of it back. They never called.
I still use an electric can opener. Cost me $10. Been using the same one for 11 years. The whole cutting portion is easily removed to throw in the dishwasher. I think it’s an Oster. Long story short, I got both this can opener and a $500 industrial strength microwave from Best Buy for $10. I did the buy online, pick up in store thing to get Upromise dollars and they only charged me for the can opener. I tried in earnest to fix the mistake with the minimum wage earning millennial at the pick up counter, but she kept saying that I paid for both. Fortunately, I didn’t need any warranty service on it. :P Shame, I only earned the Upromise dollars for the can opener. Gator JR, might not be able to go to Princeton. But where ever he does eventually decide to go, he’ll have the best microwave oven in the dorm.
You know how many people rolled their car finance payments into their mortgage refinance? Nothing like paying for a car for 30 years…
And I’m supposed to make a bid on a $650,000 someone’s piece of sh1t? I can tell you one thing, I just tacked on 25K to the potential price of my house if/when I sell. No sh1t. Someone’s gonna help me pad the funds on my next move and I really don’t give a sh1t if they need to sell a piece of @ss to scrape up the money.
I checked my privilege then I lost the claim check.
Nothing beats a “swing away” can opener.
[20] Remember the good old days when all gary wanted was a job?
I keeeeed !
[21] OriginalNJ ExPat
Good, privilege usually goes hand in hand with douchbagery. Remember the “affluenza” defense?
“I just tacked on 25K to the potential price of my house if/when I sell.”
Good cuz you’re gonna need that money to pay for the depreciation deductions and favored tax rates I get as an investor. Mitt Romney and the Koch Brothers would probably thank you too, if they weren’t psychopaths.
Which depreciation deduction specifically?
[26] Ottoman doesn’t acknowledge the tax reforms of 1986.
Which depreciation deduction specifically?
Ottoman,
1) “I first would allow the guilty bankers to pay… back anything over 100 million in personal wealth because I believe in a maximum wage of 100 million dollars and if they’re unable to live on that amount then they should go to the reeducation camps, and if that doesn’t help, then be beheaded.” — Roseanne Barr. Net Worth: 80 Million.
2) “This book is about how Washington is rigged to work for those who can hire armies of lobbyists and lawyers and make sure that everything that they want gets done in Washington. The game is rigged to work for those who already have money and power.” — Elizabeth Warren. Net Worth: 14.5 million.
3) “If you’ve got a business, you didn’t build that. Somebody else made that happen. The Internet didn’t get invented on its own. Government research created the Internet so that all the companies could make money off the Internet.” — Barack Obama. Net Worth: 11.8 million
4) “These billionaire oil tycoons (the Koch brothers) are certainly experts at contributing to climate change. That’s what they do very well. They are one of the main causes of this.” — Harry Reid from the senate floor. Net worth: 5 million
5) “What more do they want? They have a number of homes, the bigger the yacht, da da da da da, the taller the mast, the whole thing. They have museum quality art. They want immortality. (laughter) They want so much money that their names are all, for prestige they could never get any other way, they could buy with endless money. Because what else could you possibly want?” — Nancy Pelosi. Net worth: 26.43 million
6) “How in the world do you, Mitt Romney, justify making more in one day than the median American family makes in a year while paying the effective tax rate of the guy who has to scan your shoes in the airport?” — Jon Stewart. Net worth: 80 million.
7) “It’s time to make the rich pay. Tax them! How much? Not enough! How much? Still not enough! They are thieves. They are gangsters. They are kleptomaniacs. They have tried to take our democracy and turn it into an hypocrisy.” — Michael Moore. Net Worth: 50 Million.
Any Questions?
[27] expat,
Investors can take depreciation on residential investment properties. Not on the land but on the structure, depreciation is allowed. But beware of Section 1250 recapture when you sell.
[25] footrest
“Mitt Romney and the Koch Brothers would probably thank you too, if they weren’t psychopaths.”
Show of hands: who would prefer to be stranded on a deserted island with Ottoman than Romney or the Koch Brothers? Oh, and there are lots of sharp implements all over the place.
Anyone?
Bueller?
Bueller?
[30] redux
One more ground rule: You cannot use the sharp implements yourself, so no voting Ottoman simply so you can kill him. That would almost certainly skew the test.
On a deserted island, I would probably make my judgement based on who has the cleanest sphincter. Just sayin’.
Points for honesty, even if decades too late!!!
http://www.cnbc.com/id/102439249
SoJo alert: For anyone coming near my neck of the woods.
Tanker truck overturned in Pennsauken, flipped off highway, fully engulfed. Weirdly, there are two fires in different places. Looks to be a cloverleaf but report doesn’t say where.
updated.
http://www.nj.com/camden/index.ssf/2015/02/gasoline_tanker_explosion_closes_route_130_in_penn.html#incart_river
I don’t think any regulars go here, and I don’t know the area at all, but I can imagine it will cause snarls.
#29 RECAPTURE! that was disappointing when I sold….
Seems like an argument for more pipelines.
Shout-out to my parents making this look easy.
Sold their place in So. Fl and bought in NC.
With $$$ leftover. All in the course of two weeks.
Badass.
Xolepa,
I think I might have you beat. I have a small cube fridge (Sansui), that was passed down through my six siblings and then me. It has been in my possession at two different workplaces for the following 20 years after that and we still use it at home on a rare occasion (put it on the deck during the Summer). It must be going on nearly 40 years and has moved no less than 30 times. I could probably sell it for twice what it cost back in the late seventies.
Probably why Sansui is no longer in business, ran out of repeat customers.
I remember hearing about the Society Hill townhouse development was built on top of a landfill. They looked nice enough, bet they didn’t disclose that fact when selling them
Chromium cleanup hits snag in Garfield
http://www.northjersey.com/news/chromium-cleanup-hits-snag-in-garfield-1.1276242
List of Superfund Site in New Jersey
http://en.wikipedia.org/wiki/List_of_Superfund_sites_in_New_Jersey
She has a point. Why in the world do you need more than a 100 million? I get it, you can take it, so it’s your damn right to take as much as you can.
“1) “I first would allow the guilty bankers to pay… back anything over 100 million in personal wealth because I believe in a maximum wage of 100 million dollars and if they’re unable to live on that amount then they should go to the reeducation camps, and if that doesn’t help, then be beheaded.” — Roseanne Barr. Net Worth: 80 Million.”
41- Nothing to see here, made their money, and left everyone else with the bill to clean up for their profit. So wrong in every way possible. Wish I could put some of this waste in the drinking water and make them pay to clean it up. Fair enough, right? They made money putting it our drinking water and then make us pay to clean it up. Only in America can you legally get away this crap.
“Equally uncertain is how the U.S. Environmental Protection Agency plans to pay for whatever cleanup process the agency eventually chooses. Funding cuts have led to a waiting list for federal Superfund sites, like Garfield, that don’t have a deep-pocketed polluter to pick up the bill.
“It’s very frustrating and it’s inexcusable,” Mayor Tana Raymond said of the money problems. “People’s lives are at risk here. You have to have the funds to complete the cleanup.”
The pollution dates to 1983, when more than 3 tons of hexavalent chromium spilled into the ground from a tank at E.C. Electroplating, a small family-run business. Although only 30 percent of the metal solution had been recovered, the state Department of Environmental Protection allowed E.C. Electroplating’s contractors to suspend their cleanup in 1985 — a move DEP officials acknowledge was a mistake.”
(29) To avoid the recapture you Starker trade until you die. Then it’s not your problem.
They made money putting it our drinking water and then make us pay to clean it up.
The Calderio family, which ran E.C. Electroplating for 75 years, have provided tax returns to the EPA to show they cannot afford a cleanup. It’s in stark contrast to the 13 other Superfund sites in Bergen and Passaic counties whose cleanups are being financed mostly by deep-pocketed companies, which either polluted the sites or inherited the liability.
Why not make this criminal?
The extent of the contamination is worse than envisioned in any of the documents.
It is deeper than first believed, according to EPA scientists. And they now think the 1983 spill was only part of the story, and that chromium may have been leaking from the plant for years.
“What we suspect now … is that, in fact, that there were frequent leaks or stuff was dumped down drains,” said Mugdan, head of the EPA’s Superfund cleanup for New Jersey and New York. “We have reason to believe this had been a messy operation for some time.”
This whole thing about “who needs more than x million” is so ignorant.
People who have wealth in the hundreds of millions or billions almost always have that in the form of the theoretical value of their ownership in a private company. To say that someone “doesn’t need” more than X million is to essentially advocate for the government to seize someone’s ownership of a company. Imagine Grim strikes it rich in his 100% owned liquor biz, then some modern day Che comes and says, hey -we calculate that your liquor biz is worth $100mn, but we have decided that you only need $10mn of wealth. So you’re going to have to sell your stake down from 100% to 10%, and give the proceeds to us to redistribute to people who didn’t build that.
Anyone here who thinks that’s morally justified has my permission to drop dead.
Chi…did you see today’s Dilbert?
http://dilbert.com/strip/2015-02-23
(47) Conversely, if Grim loses $500k in his endeavor, will he be allowed to seek redistributed wealth to make up for his losses? After all, he didn’t build it.
Pumpkin [42];
It’s not rocket science. Rosie pulled the $100 MM number out of her (rotund) arse because its more than she makes. Just like when you talk to academics they say that $500k is more than anyone needs — coincidentally about twice what they could possibly hope to earn p/a in their current endeavors.
Its precisely how you know that any pretense of knowledge or data is highly distilled bullsnit. Its raw envy, with suitable protections for their own ego.
stay vigilant lib,
As CBS2’s Valerie Castro reported, police in Montclair, New Jersey say what started out as an afternoon meeting in a TD Bank parking lot at 233 Bloomfield Ave. soon turned into a serious assault. Police said the victim, who was trying to sell an iPad and camera through an ad on Craig
http://newyork.cbslocal.com/2015/02/22/montclair-police-man-selling-ipad-on-craigslist-stabbed-during-exchange/
Love how these politicians in DC play “who’s going to blink first”? Should be a no brainer that we need to fund the Department of Homeland Security. What’s interesting is that the GOP controls both the House of Representative and the Senate but they can’t agree on how to proceed.
[46] Grim
I imagine there is little incentive for a prosecutor to pursue this. There are so many contaminated sites in NJ that some of these sites are owned by some powerful people that have the means to stop it before its merely a passing conversation. Better yet, there are no funds to pursue this.
Zieba ,
That’s Naji Love.
http://arrestfiles.org/publicinfo/naji-s-love
She lives on the police blotter. She’s already been shot twice. How someone like this is not jailed for life is beyond me.
Good old Naji.
Date/Time: 8/1/2014 @12:06 AM
Incident: Burglary to Auto/Theft Arrest
Description: Officers were dispatched to Mitchell Pl. on a report of two suspects looking into vehicles. Upon arrival officers checked the area and located a suspect, Naji Love, 19 of Montclair, N.J. Ms. Love admitted to entering vehicles and was placed under arrest. She was transported to headquarters, charged and held on bail.
Here she is again…
On 05/15/2013 at 1039 hours, officers responded to Fulton Street on a report of a female actor attempting to smash a window of a parked vehicle. Upon arrival, the officers were informed by the caller that the actor fled the area eastbound on Fulton Street toward New Street. The female was wearing a blue hooded sweatshirt, tan pants and had long dread locks. This individual wandered onto his property, grabbed a large brick and threw it at the passenger window of the car. She did this several times without breaking the window and then left the area. The vehicle, a black 97 Dodge Stratus was left with several scratches. Officers checked the area and located the actor who fit the description. She was stopped and admitted to officers that she attempted to break the window because she observed a $50 bill on the passenger seat. 18 yr old Naji Love of Montclair was placed under arrest and charged with Criminal attempt (burglary) and criminal mischief. Bail was set at 10,000/1,000.
My colleague just came back from Killington…….it was -20 this past Friday…..
Craigslist seller should have checked his privilege.
Clearly Montclair’s bike lane program has been a failure.
I’m less shocked about the criminality, and more shocked that a 97′ Dodge Stratus window was able to withstand numerous direct blows from a brick. Made in Detroit? Or made FOR Detroit?
#55
You wonder what conversation precipitated that CL deal gone bad and whether there was any common sense on the part of the seller. When “Naji Love” is offering top dollar I’m going to think twice. Sorry, “NFS”.
http://baristanet.com/2013/08/police-say-mission-street-shooting-victims-also-targeted-last-month/
UPDATE: Shooting victim Naji Love is in stable condition at University Hospital in Newark, where all four victims were treated, says Police Detective Lt. Angel Roman of the Montclair Police Department. “It looks like she’ll pull through,” Roman told Baristanet. “Thank God no one was killed.”
Depends on how wealthy grim is. It’s called bankruptcy and get a good accountant. Better yet, if you are wealthy enough, call your lobbying buddies to make some new tax law to offset the lost.
Gosh, it sucks to be ultra rich. How do you go broke with the ability to make the rules?
Xolepa says:
February 23, 2015 at 2:47 pm
(47) Conversely, if Grim loses $500k in his endeavor, will he be allowed to seek redistributed wealth to make up for his losses? After all, he didn’t build it.
Filed with the NJ ABC today, $938 annual license fee. Don’t believe that’s refundable.
I get what you are saying. It’s their right to earn whatever they want, whether or not it is really needed.
These are questions I wish someone could answer:
How many billionaires can the economic system support?
How many people must become poor in order to create one billionaire in our economic system?
Answer these questions and you can have a better idea on whether you should at some point eliminate how much someone can make under this economic system. There has to be a point where it hurts efficiency in the economic system when someone has too much of the value(money) in the system. Does not the high concentration of wealth in a few hands result in a lack of incentive for the majority since there is less “value” for the rest to chase? So they lose ambition and motivation to “create”. Meaning, if you don’t give people the ability to get better jobs or improve their lot in life, are you not sending them down the exact same path of welfare recipients? How is it any different?
Anon E. Moose says:
February 23, 2015 at 3:13 pm
Pumpkin [42];
It’s not rocket science. Rosie pulled the $100 MM number out of her (rotund) arse because its more than she makes. Just like when you talk to academics they say that $500k is more than anyone needs — coincidentally about twice what they could possibly hope to earn p/a in their current endeavors.
Its precisely how you know that any pretense of knowledge or data is highly distilled bullsnit. Its raw envy, with suitable protections for their own ego.
Your wall st friends are cold blooded anyhow.
Pickle Barrel and Wobbly Barn are always warm at least
chicagofinance says:
February 23, 2015 at 3:56 pm
My colleague just came back from Killington…….it was -20 this past Friday…..
A small business owner is no different than a worker. All the advantages go to the big dogs making the rules. Come on, why are there so many tax laws? Obviously, so certain people can get out of paying taxes.
grim says:
February 23, 2015 at 4:31 pm
Filed with the NJ ABC today, $938 annual license fee. Don’t believe that’s refundable.
I’ll pay Naji Love whatever it takes to silence punkinhead and anon.
https://twitter.com/najilove1
https://www.youtube.com/watch?v=B6dRtksmnYQ
stu (16)-
OMFG- that place is next door to my warehouse in Moorestown!!! We are at 50 Twosome Dr.
MF’ers there didn’t even tell me there was any action today. They prolly didn’t want me coming down and joining in the gunplay. :)
…wonder who got to do the brains cleanup in the snow there?
I miss all the fun shit.
http://www.nydailynews.com/sports/soccer/ex-cop-chelsea-fans-accused-racist-subway-attack-article-1.2126445
Typical frontrunning Chelsea backer.
Where were you when you were shit?
Can confirm Wobbly Barn is still standing.
Ouch were they going to get the billion or so for State Pensions?
Money ain’t there, Box. Fat Man won’t do what some judge says, anyway. He does what he wants.
Personally, I have no problem telling gazillions of layabout pensioners to develop a taste for Friskies.
[65] JJ
Pickle barrel. Now there’s some memories. I’m pretty sure the statutes of limitations have run.
77
I think another NJ guy did this better.
https://m.youtube.com/watch?v=u_f6qFBQD9U
Ns fw language. Wasn’t me.
Personally, I have no problem telling gazillions of layabout pensioners to develop a taste for Friskies.
It goes both ways. Don’t force us to participate in the pension system by law if you aren’t going to keep your end of the bargain. Christie forced contributions to increases and bailed asap. Why force new hires to participate in a system doomed for failure?
Best part of the Wobbly Barn back in the day was the arcade crane game where instead of going for stuffed animals, you would try to get the largest lobster.
[83] libturd
“you would try to get the largest lobster.”
My friends frequented the Pickle Barrel, fishing for crabs.
I thought the Barrel sucked.
[63] grim – What class license is that for ? A long time ago I used to know such things. I’m sure it doesn’t pertain to you, but does a “Broad C” license still exist in NJ?
got it. Craft distillery license, $938. Good luck, grim!
76. same place anyone gets money to cover their debts. Vinny down on the corner, but he takes a finger every week it’s late.
Ben (82)-
Totally agree. However, I wish I could opt out of Social Security…another Ponzi that will blow up well before any of us can pull benefits.
Cold as a motherfcuker. Another sign of the endtimes.
[85] lib
Yeah. It did. But I didn’t always have a say.
All weather is evidence of global warming……stay on message……
Liquor Luge says:
February 24, 2015 at 6:59 am
Cold as a motherfcuker. Another sign of the endtimes.
Pensions must be paid.
I could have used some global warming in my car this morning. Damn heat didn’t come on until mile 144 on the GSP. Damn that tiny engine in my Mazda 6.
In other news. Montclair Schools have an 11 million budget shortfall. Break out the popcorn.
Montklair should be designated as an Abbott district.
Experts: ISIS May Have Faked Egyptian Beheading Video
http://www.newsmax.com/Newsfront/isis-beheading-video-fake/2015/02/21/id/626141/
“Montklair should be designated as an Abbott district.”
You ought to suggest it on their Watercooler.
My computer warning to open your site. Are you sure it is viruses free?
rougit comme une rose sauvage au coucher du soleil,golden goose basket, mais était maintenant tout gris. Les falaises grises semblait regarder pure à l’éternité; Et voilà que l’homme, la créature d’un moment, égaré dans le froid sans-abri parmi tous ses supérieurs. Il n’y avait pas d’accueil pour les y: quel que soit le sentiment grandes montagnes évoquent, ce sentiment était clair dans Rodriguez et Morano. Ils étaient tous parmi ceux q