From HousingWire:
Bank of America now offers 3% down mortgages without mortgage insurance
Bank of America unveiled a new affordable mortgage program that offers consumers the option of putting as little as 3% down and requires no mortgage insurance. The program does not involve the Federal Housing Administration, whose program has recently undergone a lot of scrutiny from big banks.
Bank of America announced a partnership on Monday with Self-Help Ventures Fund and Freddie Mac for its new “Affordable Loan Solution” mortgage, a conforming loan that provides low- and moderate-income homebuyers access to a responsible lending product with counseling at affordable entry prices.
To make the program function, the three companies will work together to help ensure the loan is properly originated and backed in case the loan goes delinquent, the companies said Monday.
For starters, Bank of America said the mortgage will be available through all of its mortgage sales channels.
Self-Help, which is based in Durham, North Carolina, will then buy the loans and servicing rights, along with providing post-closing counseling for any borrowers who might be experiencing payment difficulties.
Since Self-Help is taking the first-loss position, the loans require no mortgage insurance.
Freddie Mac will purchase all of the eligible affordable mortgages originated via the Self-Help and Bank of America partnership, having recently approving Self-Help as a seller/servicer to facilitate the rollout of this offering to borrowers.
The program allows down payments as low as 3% on the purchase of a primary, single-family residence, with no reserve funds required in most situations.
The loan also requires a minimum FICO score of 660, and first-time buyers will need to participate in homebuyer education.
Feb 29 issue.
New Yorker’s Jeff Toobin argues that Scalia was evil:
“Antonin Scalia, who died this month, after nearly three decades on the Supreme Court, devoted his professional life to making the United States a less fair, less tolerant, and less admirable democracy.
Fortunately, he mostly failed.
Belligerent with his colleagues, dismissive of his critics, nostalgic for a world where outsiders knew their place and stayed there, Scalia represents a perfect model for everything that President Obama should avoid in a successor.
The great Justices of the Supreme Court have always looked forward; their words both anticipated and helped shape the nation that the United States was becoming.
Chief Justice John Marshall read the new Constitution to allow for a vibrant and progressive federal government.
Louis Brandeis understood the need for that government to regulate an industrializing economy.
Earl Warren saw that segregation was poison in the modern world.
Scalia, in contrast, looked backward.
His revulsion toward homosexuality, a touchstone of his world view, appeared straight out of his sheltered, nineteen-forties boyhood. When, in 2003, the Court ruled that gay people could no longer be thrown in prison for having consensual sex, Scalia dissented, and wrote, “Today’s opinion is the product of a Court, which is the product of a law-profession culture, that has largely signed on to the so-called homosexual agenda, by which I mean the agenda promoted by some homosexual activists directed at eliminating the moral opprobrium that has traditionally attached to homosexual conduct.” He went on, “Many Americans do not want persons who openly engage in homosexual conduct as partners in their business, as scoutmasters for their children, as teachers in their children’s schools, or as boarders in their home. They view this as protecting themselves and their families from a life style that they believe to be immoral and destructive.
But it was in his jurisprudence that Scalia most self-consciously looked to the past. He pioneered “originalism,” a theory holding that the Constitution should be interpreted in line with the beliefs of the white men, many of them slave owners, who ratified it in the late eighteenth century.
During Scalia’s first two decades as a Justice, Chief Justice William H. Rehnquist rarely gave him important constitutional cases to write for the Court; the Chief feared that Scalia’s extreme views would repel Sandra Day O’Connor, the Court’s swing vote, who had a toxic relationship with him during their early days as colleagues. (Scalia’s clashes with O’Connor were far more significant than his much chronicled friendship with Ruth Bader Ginsburg.) It was not until 2008, after John G. Roberts, Jr., had succeeded Rehnquist, that Scalia finally got a blockbuster: District of Columbia v. Heller, about the Second Amendment. Scalia spent thousands of words plumbing the psyches of the Framers, to conclude (wrongly, as John Paul Stevens pointed out in his dissent) that they had meant that individuals, not just members of “well-regulated” state militias, had the right to own handguns.
Even Scalia’s ideological allies recognized the folly of trying to divine the “intent” of the authors of the Constitution concerning questions that those bewigged worthies could never have anticipated. During the oral argument of a challenge to a California law that required, among other things, warning labels on violent video games, Justice Samuel Alito interrupted Scalia’s harangue of a lawyer by quipping, “I think what Justice Scalia wants to know is what James Madison thought about video games. Did he enjoy them?”
Scalia described himself as an advocate of judicial restraint, who believed that the courts should defer to the democratically elected branches of government.
In reality, he lunged at opportunities to overrule the work of Presidents and of legislators, especially Democrats.
Scalia helped gut the Voting Rights Act, overturn McCain-Feingold and other campaign-finance rules, and, in his last official act, block President Obama’s climate-change regulations. Scalia’s reputation, like the Supreme Court’s, is also stained by his role in the majority in Bush v. Gore. His oft-repeated advice to critics of the decision was “Get over it.”
the real problem for Scalia’s heirs is that they are out of step with the rest of the nation. The public wants diversity, not intolerance; more marriages and fewer executions; less money in politics felt and pungently expressed though they were—now seem like so many boats against the current, borne back ceaselessly into the past.”
Somehow I doubt the “majority” of people in the US read and agree with the opinions of the writers of the New Yorker.
District of Columbia v. Heller, about the Second Amendment. Scalia spent thousands of words plumbing the psyches of the Framers, to conclude…that they had meant that individuals, not just members of “well-regulated” state militias, had the right to own handguns.
Have you actually read it? It’s quite good, and he makes a very well considered and measured argument. We’re talking about a supreme court justice here, whose opinions deserve more weight and consideration than an opinionated journalist. Criticizing the length of the analysis and opinion, is pure idiocy, the gravity of the opinion requires it.
The second amendment – in the context of the American Revolution that preceded it – is nonsensical if it doesn’t apply to individuals. Just as the colonists rebelled against an oppressive government, the second amendment protects the right of the people to arm themselves against government. Otherwise, we’re still just an English colony.
And “well-regulated” doesn’t mean today, what it meant back then. It has nothing to do with hyper-regulated nanny-statism, and everything to do with an “EFFECTIVE AND WELL RUN” militia.
Subprime coming back, tell me 2020’s aren’t lining up to be boom years. I just hope we get this recession over with this year or next. Bring it, go through the hard time, and then blast off baby. The crash that will follow this boom will be just as big as the boom. So prepare accordingly.
the majority of people don’t know anything about Scalia and little about the Supreme Court
that’s why he got away with it
he’s only a hero for the extreme right wing crowd
D-FENS says:
February 23, 2016 at 7:49 am
Somehow I doubt the “majority” of people in the US read and agree with the opinions of the writers of the New Yorker.
I think it’s funny how liberal progressives purport that African Americans have nothing to do with the founding of this country. They are more American…and have more to do with the founding of the United States than most of us who comment here.
“Crispus Attucks (c.1723—March 5, 1770) was the first casualty of the Boston massacre, in Boston, Massachusetts,[2] and is widely considered to be the first American casualty in the American Revolutionary War. Aside from the event of his death, along with Samuel Gray and James Caldwell, little is known for certain about Attucks.[3] He may have been an African American slave or freeman, merchant seaman and dockworker of Wampanoag and African descent. His father was an African-born slave and his mother a Native American.[4]”
A description of the crowd at the Boston Massacre:
“a motley rabble of saucy boys, negros and molattoes, Irish teagues and outlandish Jack Tarrs.”
The bill of rights laid the foundation for the abolition of slavery. The seeds of the civil war are within it.
NJ is so closely connected to this. I’ve read about the NJ militia…where gun ownership was MANDATED…you had to have a minimum quantity of ammunition and certain type of firearm. “Well Regulated” meant “well equipped”.
The current state of NJ gun laws is sad and embarrassing.
grim says:
February 23, 2016 at 7:54 am
And “well-regulated” doesn’t mean today, what it meant back then. It has nothing to do with hyper-regulated nanny-statism, and everything to do with an “EFFECTIVE AND WELL RUN” militia.
Scares the crap out of me.
http://www.bloomberg.com/news/articles/2016-02-23/bill-gates-q-a-on-climate-change-we-need-a-miracle
“On the energy front, the most crucial part of the letter centers on an equation cooked up by Gates: P x S x E x C = carbon dioxide. He shows that changes to P (the world’s population), S (services used by each person) and E (energy) will not be dramatic enough to get carbon dioxide production down to zero—something that has to happen, according to Gates, to avoid catastrophic consequences from global warming. The factor that matters most is C (carbon dioxide produced by energy).
Gates has talked quite a bit in the past about the need to come up with new energy technology beyond solar, wind, nuclear and all the rest. We’ll need a major development if the world is really going to change its energy equation. In the letter, though, he puts a very fine point on the idea. “In short, we need a miracle,” Gates writes.
When I say “miracle,” I don’t mean something that’s impossible. I’ve seen miracles happen before. The personal computer. The Internet. The polio vaccine. None of them happened by chance. They are the result of research and development and the human capacity to innovate.
In this case, however, time is not on our side. Every day we are releasing more and more CO2 into our atmosphere and making our climate change problem even worse. We need a massive amount of research into thousands of new ideas—even ones that might sound a little crazy—if we want to get to zero emissions by the end of this century.
Ever the optimist, Gates expects just such a miracle to arrive within the next 15 years, and he expects it just might come from one of today’s teenagers.
In the interview below, Gates expounds on his energy ideas and faith in the world’s youth. The letter goes into more detail on that subject as well as Melinda Gates’s thoughts on gender equality.”
“Why are you confident that there will be a breakthrough?
What we need to get that probability up to be very high is to take 12 or so paths to get there. Like carbon capture and sequestration is a path. Nuclear fission is a path. Nuclear fusion is a path. Solar fuels are a path. For every one of those paths, you need about five very diverse groups of scientists who think the other four groups are wrong and crazy.”
Looks like he needs to get his own house in order before judging anyone else’s values.
https://en.wikipedia.org/wiki/Jeffrey_Toobin
http://www.bloomberg.com/news/articles/2016-02-23/-liquid-freedom-sails-from-texas-tilting-power-in-global-oil
I’m going to puke.
http://www.nj.com/opinion/index.ssf/2016/02/republicans_for_hillary_seriously_editorial.html#incart_river_home
I would vote for Trump over Cankles. Trump is not bought.
The power of your cartel is over. It’s never coming back.
“The Organization of Petroleum Exporting Countries, which controls about 40 percent of global oil production, has never had to deal with an oil supply source that can respond as rapidly to price changes as U.S. shale, El-Badri said. That complicates the cartel’s ability to prop up prices by reducing output.
“Any increase in price, shale will come immediately and cover any reduction,” he said.”
http://www.bloomberg.com/news/articles/2016-02-22/opec-s-el-badri-doesn-t-know-how-to-live-together-with-shale-oil
Me too. I’m puking at the thought of the group “Republicans for Hillary”. Now that tells me all I need know. It shows they play for the same damn team!! I’m jumping on the trump bandwagon. Anything but Cankles!
Libturd supporting the Canklephate says:
February 23, 2016 at 9:11 am
I would vote for Trump over Cankles. Trump is not bought.
I completely ignore your posts just like Pat’s. However, since you directly addressed me, I showed the respect of reading your post and attached article. As usual, you distorted the facts. The Scalia family did not meet with Obama at the viewing AFTER OBAMA HAD ALREADY ANNOUNCED HE WAS BLOWING OFF THE FUNERAL…….so your deviously abject methods of arguing and distorting are put on display in a very obvious way……..get the fcuk out of my country you vampire……
Fabius Maximus says:
February 23, 2016 at 12:22 am
#11 Chi
Why do you read that Rag? It’s the Dirty Digger at his finest, Fox News in Print!
That aside. O went to the visitation at the weekend. There was a private meeting with the family, and from the family side they put up one son from nine kids and a grieving widow.
I will give O a pass on “Do you think they did not want him there?”
http://www.politico.com/blogs/under-the-radar/2016/02/most-of-scalia-family-absent-during-obama-visit-219545
[3]grim – This is entirely correct, but also ironic. The second amendment, along with the most of the Bill of Rights comes from the English Bill of Rights passed in 1689. The English Bill of Rights was a direct response to King James II stomping his detractors in submission. It begins like this:
“Whereas the late King James the Second, by the assistance of divers evil counsellors, judges, and ministers employed by him, did endeavour to subvert and extirpate the protestant religion, and the laws and liberties of this kingdom.”
Just as the colonists rebelled against an oppressive government, the second amendment protects the right of the people to arm themselves against government. Otherwise, we’re still just an English colony.
On The Catwalk (clot Edition):
http://nypost.com/2016/02/21/designer-debuts-mask-in-the-style-of-hannibal-lecter/
Tool [1];
Thank you so much for your cut-and-paste — the zenith of your intellectual contribution.
Once again you and the Left show you’re all class. I further thank you for your grant of license to piss on the grave of our current President Drone Strike — the sooner the opportunity affords itself the better.
15 – maybe now we’ll know the true market price of oil?
“The Scalia family did not meet with Obama at the viewing AFTER OBAMA HAD ALREADY ANNOUNCED HE WAS BLOWING OFF THE FUNERAL”
I don’t think Obama needed to attend the funeral, personally. But calling a meeting the day of the funeral, with all of the parties involved in the next SCJ nomination before the body went in the ground was a little disturbing.
Speaking of judging Obama, our younger son is going through some real serious health issues. Can’t wait to see how ACA has helped stem the healthcare costs I am about to pay.
Shale oil is a global game changer. I wonder how many know that shale oil comes from regions much deeper than conventional oil. Essentially, we’ve found a way to get at the oil and natural gas that would work it’s way up to conventional drilling levels hundreds of years from now. Now that we have it I sometimes wonder what life here would be like if we went full protectionist. No exports, no imports. iPhones would cost a hell of a lot more, of course.
The only person who ever suggested we should (or would) go full protectionist is BC Bob.
Looks like he needs to get his own house in order before judging anyone else’s values.
So in his very short career in the practice of law, he stole data and information that didn’t belong to him, some of which may have been classified, and attempted to use the data to write a book that would financially benefit him. After which, he was all but disbarred and never practiced law again … but continued to play a lawyer on TV.
Oh bother.
Does anyone here use Think or Swim as a trading platform? I found out something neat last week when we were in NJ. When I travel I generally bring a Microsoft Surface and an iPad with me. I never much used the iPad Think or Swim app, mostly just the desktop application, but he iPad app has a feature where you can sync it to the desktop app such that every time you change to a different security on either iPad or PC it changes it on the other one too. I currently use the iPad to display a 5 minute daily chart, which is a nice addition to my desktop screens where I look at 1 minute charts and longer term charts.
Grim [25];
You forgot to mention knocking up Jeff Greenfield’s daughter Casey, who was at the time a law firm associate more than a decade his junior, while Toobin was and remains married to the mother of his two older children.
Perfect type of guy for CNN, no?
Seriously people, fooling around happens, but is birth control really that complicated? We’re talking about two ivy-league lawyers involved here.
The Unions dodged a bullet with Scalia’s demise.
#25
And don’t forget the b@stard child. This is the type of sludge that secular progressives(e.g. New Yorker subscribers ) look to for their sense of morality.
27. The heart wants what the heart wants.
[25 & 27] Obviously Toobin has a bad case of Ginger Fever:
https://harvardlawschoolisbogus.wordpress.com/2013/05/25/jeffrey-toobin/
Sx [30];
The heart can get what it wants, and still cover the head.
Brown University student newspaper article shows struggles of Ivy League students fighting injustice
At Rhode Island’s exclusive Brown University, where tuition is more than $50,000 per year, times are tough. Students don’t have to go only to class — they also have to fight against injustice. So said a recent piece in the Brown Daily Herald called “Schoolwork, advocacy place strain on student activists.” Subheadline: “Students struggle with mental health, academic pressures as they act on social justice responsibilities.”
“There are people breaking down, dropping out of classes and failing classes because of the activism work they are taking on,” a pseudonymous source told the Brown Daily Herald. “… My grades dropped dramatically. My health completely changed. I lost weight. I’m on antidepressants and anti-anxiety pills right now. [Counseling and Psychological Services] counselors called me. I had deans calling me to make sure I was okay.”
The article cited the demands of protesting racist columns published in the student newspaper as well as the ongoing implementation of the school’s “diversity and inclusion action plan.” It also detailed the struggles of one graduating senior:
Justice Gaines ’16, who uses the pronouns xe, xem and xyr, said student activism efforts on campus are necessary. “I don’t feel okay with seeing students go through hardships without helping and organizing to make things better.”
In the wake of The Herald’s opinion pieces, Gaines felt overwhelmed by emotions flooding across campus. Students were called out of class into organizing meetings, and xe felt pressure to help xyr peers cope with what was going on, xe said. Gaines “had a panic attack and couldn’t go to class for several days.”
Another student, forced to complete a project after a professor denied her request to suspend it, noted the choice between schoolwork and activism “has systemic effects on students of color.”
At least one administrator offered support.
“If a student is at a sexual assault event, and the student is a victim him or herself, that student might talk to me about it,” Ashley Ferranti, assistant dean of student support services, said. She added that students “might be impacted, something might be triggered or they might suddenly remember more at that event they were protesting.”
The premise of the piece — Ivy League students too wrenched by injustice to actually do their schoolwork — was pilloried by some commenters.
“Students’ responsibilities are academic, period,” one wrote. “If one cannot handle the balance between schoolwork and activism, then one should go elsewhere and give his or her spot to one of the thousands of other deserving applicants who want to come to Brown to learn.” Another wrote: “It’s increasingly difficult to create effective satire, because reality is clearly more absurd than any fiction imaginable.”
“Fox and Friends,” ever impatient with the debate over trigger warnings and similar campus goings-on, also sharpened its knives.
“[I] managed to graduate without anyone ever saying, ‘Oh, here’s some more time. You don’t have to go to class,’” Fox contributor and Princeton graduate Pete Hegseth said. “These are coddled elites.”
https://www.washingtonpost.com/news/morning-mix/wp/2016/02/23/brown-university-student-newspaper-article-shows-struggles-of-ivy-league-students-fighting-injustice/
Washington Post = The Onion…only not funny
Long time lurker. Keeping up with the diversity theme…have you seen this beauty: http://techcrunch.com/2015/12/13/dear-white-people-you-suck-at-diversity/
BTW I’m what this “journalist” calls intersectional
29-year-old millennial rips 25-year-old Yelp employee who got fired after complaining about her salary
http://www.businessinsider.com/stefanie-williams-response-to-yelp-employee-talia-jane-2016-2
[27]
“Seriously people, fooling around happens, but is birth control really that complicated? We’re talking about two ivy-league lawyers involved here.”
Not complicated at all. They knew exactly what they were doing.
I just filled the tank up with 87 for $1.39/gallon………don’t you think the point is to scare the crap out of you?
The Great Pumpkin says:
February 23, 2016 at 8:25 am
Scares the crap out of me.
http://www.bloomberg.com/news/articles/2016-02-23/bill-gates-q-a-on-climate-change-we-need-a-miracle
Lurker [35];
I listened to a podcast this weekend that convincingly argued that the anti-white racism — as inherent to “diversity” mantra as it is to BLM — is in fact a religious order; and those who heed to it are simply looking for some sort of ritual flogging or penance. Its a secular religious, and Sharpton, et al. are its priests. Absolution is available for a modest fee.
Chifi [38];
$1.40 today is (inflation adjusted) as low as 1999 when I paid <$10 to fill up my wife's Saturn.
I used to commute to Hauppauge, Long Island from Nutley, NJ in 1995-96, before finally moving there for a year. I had to fill my tank up every single day as all of my cars had enough capacity to get me to work and back(12o miles), and even to work a second day, but not back to NJ’s cheap gas, so that’s why I had to get gas every day. I just noticed on Google Street View that my Shell station at the corner of Kingsland and Darling (just the other side of Route 3 from Styertown in Clifton) is now closed. It was 99 cents a gallon for 87 back then.
thank you President Obama
Anon E. Møøse, Who never bit anyone’s sister says:
February 23, 2016 at 1:43 pm
Chifi [38];
$1.40 today is (inflation adjusted) as low as 1999 when I paid <$10 to fill up my wife's Saturn.
[41] I tI had a 4 cylinder Chevy Tracker, a 6 cylinder Nova, and a V8 Camaro and none of them could do the full 240-260 miles to get me through two days of commuting. If it was wide open highway with no traffic, I could have made it, but that’s not how the Cross Bronx, LIE, and Northern work during rush hour.
You mean Obama could have done this 7 years ago and waited until now? Loser.
Or are you saying that he sacrificed American interests in the Middle East (like out mission in Benghazi) to appease oil producing interests?
Which one of those millstones did you just hang around your messiah’s neck?
I’m a female hispanic engineer who works in the software industry. I graduated in the 1990’s from a state school with an engineering degree. Back then, you would walk into any Physics 201 class and the percentage of females or minorities in the room would not exceed 10%. The ratio got even worse as you progressed through engineering school. After graduation I found work in software, eventually making my way into technical sales. I’ve worked for some of the biggest names in the software industry. Through my career I have found tech to be a true meritocracy (H1B is killing some of that but that’s a topic for another day). Most jobs I’ve found are through connections and I’m not talking about the kind of “privileged” connections people seem to complain about these days. I’m talking about showing people what you’re capable of and having them call you when they get their next job so you can advance with them. Not once have I felt like those calls were made because the hiring manager had to fill some kind of diversity quota.
What gets me the most about this article is that it doesn’t even touch on the root causes for the lack of diversity in tech. The tech world today doesn’t look much different than my college classes in the 1990’s: white, asian (including Indian) and male. Those numbers have not changed in 20 years. In fact for Computer Science and Engineering majors, it has gotten even worse. Diversity in tech will not improve unless we get more females and minorities graduating with hard core engineering and CS degrees (and no, just because you add the term digital to your broadcasting/journalism degree does not make you a techie). Intersectionality can’t even begin to be addressed until we fix that. Take a guess at how many female
hispanic IT engineers I’ve met in the tristate area in the past 18 years. I’m on
the vendor side so I’ve worked with just about every financial, insurance, pharmaceutical, and media company. The answer is 5.
The author would have done a much better service to the underrepresented communities by focusing on the root causes for their lack of enrollment in STEM fields. Why is it that while women college enrollment percentage has surpassed that of men across all ethnicities, we don’t see those numbers reflected in CS and Engineering? What do we need to do to get more girls interested in these fields at an early age so we can eventually close the gender gap we have in tech?
While one may be inclined to think that for minorities, poverty and lack of public education funding may be to blame for this, I tend to somewhat disagree. Look at 2 datapoints.
1. The number of kids that qualify for subsidized meals at the top 3 elite NYC public schools. Looks like poor immigrant Asian families have figured out that a good education for their kids is their ticket out of poverty. My husband attended one of these schools so he’s seen it first hand.
2. Compare the absenteeism and graduation rates vs spending per student in Newark vs Scotch Plains. It seems to me that funding has not resolved the disparities in graduation and achievement rates. The Newark kids would almost be better
served by the state saving the extra 10K per year for them in an investment account. After they graduate, they can use the money for college/trade school, get a CDL and buy their own truck, start a business or put a downpayment on a house. Why
don’t we try to incentivize the right behavior, instead of just throwing money at failing schools?
Articles like this do nothing to change the diversity landscape of tech or any other field. You can’t guilt SalesForce or even Google into hiring qualified candidates from a pool that doesn’t exist. All it does is incite divisiness and brings out the worst feelings in people. After reading the comments section, I’m not surprised that so many seemingly reasonable people including friends of mine are thinking of voting for someone like Trump.
36- Amen. Can’t believe I used to defend this bs. Life isn’t fair and it never was meant to be fair. You can only control the hand that you were given. If that means having to work harder to get where you want to be, then it is what it is. It’s like no one likes a challenge. They just want to be given a dream job. What fun is that? It’s all about working hard and then enjoying the success that comes with self improvement. That’s the key to life.
“Trust me when I say, there are far more embarrassing things in life than working at a restaurant, washing dishes, or serving burgers at a fast food window. And one of them, without one shred of doubt, is displaying your complete lack of work ethic in public by asking for handouts because you refuse to actually do work that at the ripe old age of 25 that you think is unworthy of your witty tweet creating time.
You wanted to write memes? Darling, you just became one.”
35- What happened to getting the best man for the job? This is racist, putting someone less qualified ahead of someone else to meet your expectations for so called “diversity”. The country is worst off when you rig the game to give less deserving individuals a job over someone more deserving because you want to meet your diversity quota. What a joke.
“Overall, diversity is extremely important to us. Right now, this is the major issue [gesturing to the room/crowd]. I think when we feel like we’ve got this, you know, a little bit more under control, then I think that one is gonna surface as the major thing we’re focusing on. We’re not ignoring it, it’s something that we support, it’s something that we’re working on, but this is our major focus right now, is the women’s issue.”
You are right. I’m listening when a sage like yourself speaks, you have years of experience to back it up along with a high IQ. I’m not joking when I say you guys finally got through to me.
chicagofinance says:
February 23, 2016 at 1:28 pm
I just filled the tank up with 87 for $1.39/gallon………don’t you think the point is to scare the crap out of you?
The Great Pumpkin says:
February 23, 2016 at 8:25 am
Scares the crap out of me.
http://www.bloomberg.com/news/articles/2016-02-23/bill-gates-q-a-on-climate-change-we-need-a-miracle
Pay a carbon tax and save the earth!
lurker, 45
Well written, and good for you in what you’ve done for yourself.
I have no doubt your kids will be provided with the “privilege” of parents who instill life-affirming values.
this is a very old, and boring, right wing argument
“The Newark kids would almost be better
served by the state saving the extra 10K per year for them in an investment account. “
Lurker [45];
Hear! Hear!
https://twitter.com/CHSommers/status/664172152992722944
anon
I’m not white nor male so no right wing for you to cling to over here
what do you suggest we do with the 10K to improve the 67% (and that’s generous) graduation rate in Newark?
Of course you don’t like it. Insufficient opportunity for graft.
33-
Those poor snowflakes at Brown University.
And as an aside, couldn’t one make the case that a bastion of liberalism school like Brown is one of the biggest perpetrators of discrimination when they deny entry to some 90 percent of applicants based on high school gpa?
This result does not surprise me, because if your remove the details and focus on the main elements, most of the social activism culture is essentially cult-like…..the use of a “special modified” language and polemics……the essence of the cult is essentially to isolate the participants from outside influences and create greater mind control to manipulation.
Most of the way loyalty is reflected is by the sacrificing what you have for the cause. The sacrifices include: money, time, effort, influence……but what remains are people who are burned out, isolated, and desperate.
1987 Condo says:
February 23, 2016 at 11:28 am
Brown University student newspaper article shows struggles of Ivy League students fighting injustice
At Rhode Island’s exclusive Brown University, where tuition is more than $50,000 per year, times are tough. Students don’t have to go only to class — they also have to fight against injustice. So said a recent piece in the Brown Daily Herald called “Schoolwork, advocacy place strain on student activists.” Subheadline: “Students struggle with mental health, academic pressures as they act on social justice responsibilities.”
[45] lurker – nice job. I live in Boston, and I rub elbows with college kids all year long. My belief as to why so few enter STEM curriculums is grade inflation. Everybody who wants an A, gets an A. At Harvard and other Ivies the average grade is A. But…You can’t give someone an A in a hard science or technology class unless they get exactly the right answers on exams. We can’t turn out chemistry grads who don’t know chemistry nor can we give civil engineering degrees to kids who don’t know how to calculate shear, torsion, compression forces, etc. I think kids get to school and find out that there is an easy route to an A average and it ain’t in STEM. After trying many majors, I settled on electrical engineering with computer science emphasis for a solitary reason. I wanted to get a job and make money, because I had none and my parents weren’t going to give me any. I think if today’s kids knew that instead of just never ever considering how their iDevices magically appear in their hands they would make different choices.
This is not meant as an attack, so please don’t take it that way. My question to the “diversity club”, why do demographics matter when it comes to a job? Why isn’t it based on who does the job best? If not enough women or minorities are not in the field, don’t force them. People find out who they are and do what they want to do. You are living proof of that. No one stopped you from doing what you wanted to do, just like nobody is stopping anyone else. Wouldn’t we rather have the candidates naturally drawn to these fields, as opposed to the idea of forcing them into to the field to fit some quota?
“What gets me the most about this article is that it doesn’t even touch on the root causes for the lack of diversity in tech. The tech world today doesn’t look much different than my college classes in the 1990′s: white, asian (including Indian) and male. Those numbers have not changed in 20 years. In fact for Computer Science and Engineering majors, it has gotten even worse. Diversity in tech will not improve unless we get more females and minorities graduating with hard core engineering and CS degrees (and no, just because you add the term digital to your broadcasting/journalism degree does not make you a techie). Intersectionality can’t even begin to be addressed until we fix that. Take a guess at how many female
hispanic IT engineers I’ve met in the tristate area in the past 18 years. I’m on
the vendor side so I’ve worked with just about every financial, insurance, pharmaceutical, and media company. The answer is 5.”
58. Most firms are weighted heavily toward caucasians. They actively try to find and retain strong minority candidates. This provides them a bit of relief from the ‘echo chamber’ of a whites only cliche. There are also incentives for doing this….
Who is with me?
https://www.onedayu.com/events/detail/355
Any publicly facing company will be called on the carpet by “activist” who are ready to boycott any company………extortion, or fear of being subject to it, is a great motivator…..
Essex says:
February 23, 2016 at 5:34 pm
58. Most firms are weighted heavily toward caucasians. They actively try to find and retain strong minority candidates. This provides them a bit of relief from the ‘echo chamber’ of a whites only cliche. There are also incentives for doing this….
Chicago Booth was overwhelmingly white/south asian (and asian) and male….reason? It was a quant program with a reputation for busting balls……..so people shied away…..to this day, I still see the same reaction to the program….
I think companies like to hire caucasians because they own cars, know how to drive them in all types of weather, and show up on time. It just makes sense.
day ain’t done till self-serving and self-aggrandizement make an appearance
chicagofinance says:
February 23, 2016 at 6:23 pm
Chicago Booth was overwhelmingly white/south asian (and asian) and male….reason? It was a quant program with a reputation for busting balls……..so people shied away…..to this day, I still see the same reaction to
I invited a friend to this, and here was the response…..
chicagofinance says:
February 23, 2016 at 6:17 pm
Who is with me?
https://www.onedayu.com/events/detail/355
Subject: Re: Opinion?
Just another pseudo academic trying to make money off of the climate change hysteria. This hoax is a multimillion dollar industry aimed at letting fat idiots in academia earn a living comparable to life in the private sector, except they get lifetime employment and don’t have to work very hard. Between them and too many public sector apes living off ever-diminishing private sector laborers, this country is doomed.
Bring back eugenics!!!!!!! Or at least force sterilize those who shouldn’t breed!!
whatever……
http://www.bloomberg.com/features/2015-best-business-schools/
anon (the good one) says:
February 23, 2016 at 7:13 pm
day ain’t done till self-serving and self-aggrandizement make an appearance
chicagofinance says:
February 23, 2016 at 6:23 pm
Chicago Booth was overwhelmingly white/south asian (and asian) and male….reason? It was a quant program with a reputation for busting balls……..so people shied away…..to this day, I still see the same reaction to
[64] twitiot
“anon (the good one) says:
February 23, 2016 at 7:13 pm
day ain’t done till self-serving and self-aggrandizement make an appearance”
You’re way behind. See post number 1
65. Where is it written that everyone should work hard? Or even in the same way.
The world needs visionaries and thinkers. Business needs these people innovators as well. Speaking of echo chambers.
22: Lib, Good luck with your son. Hope you get some good news soon.
Who has a refi recommendation for single family home in the West Essex county area?
dfens (24)-
BC Bob didn’t advocate for protectionism. He did, however, predict the cries for protectionism would be a bellwether of the final plunge into necronomic hell.
grim (25)-
Jeff Toobin is a dick. Perfect guy to write a hatchet piece on Scalia for people who never leave the island of Manhattan.
Not that I, by a longshot, was any fan of Scalia…but at least he was a stalwart on a handful of individual freedoms.
sx (30)-
The dick wants what the dick wants.
clot: they finally came forward to support you……
http://newyork.cbslocal.com/2016/02/22/ithaca-supervised-heroin-injection-site/
lurker (45)-
Post of the year. So far.
chi (74)-
I’m for anything that gets the skate tweakers off the Commons. Fcukers ruin my day every time I’m up there, with their begging, shuffling, passive-aggressive, runny nose bullshit. Every one of them who can get near me always manages to mention they’re ‘in recovery’. Geez, I’d love to score a bag of the junk that’s helping them get off junk…
This Myrick guy’s act is starting to wear thin, too. He’s like a poor man’s Cory Booker.
They could do an Americanized version of Trainspotting. Film the whole motherfcuker in Ithaca.
Recognize. Most tweakers in upstate and western NY are shooting smack because they can’t afford oxy.
#3 grim
Funny thing about Supreme Court Decisions is that the dissents are written by someone equally as capable. I think Breyer in particular succinctly blew holes (pun intended) in Scalias pretzel dance.
#17 Chi
One of the sons was asked point blank if O had been asked not to attend. Instead of a simple “no”, he danced around the question.
As neither side is talking, any comment on motives or slights is simply speculation.
#22 Stu
Sorry to hear and hope it works out.
When you are doing your evaluation don’t forget to factor in that you can now move jobs, (not that you would) and not get hit with no coverage for a pre existing condition. Its not just dollars and cents on a copay, premium and deductibles.
#36 Gator
I want to write a note to the 29yo. Her two main points.
Living alone. 1200 in parts of the Bay area will get you a motel efficiency. The Bay is the worst housing market I ever lived in.
Expensive Bourbon. When I started out I was stunned by the company parties. Steak, Brandy, five star service and then the bus home to reality.
#45 Lurker,
Great post, so many topics, I’ll just touch on a few.
My wife’s stories from engineering Grad school are funny. Two stick out.
All her fellow students were serfs to the faculty as they needed them to sign off on their student visas. She was the only American.
She can get an interview at any defense contractor, because she allows them to tick so many boxes on the mandatory diversity forms.
Most people in engineering and a lot of computer science are borderline Asperger’s, when they get promoted they make terrible managers. When they hit the C Suite, they need to step back and evaluate.
The US is finally waking up to STEM, even for the boys. STEM should be STEAM, without the Arts you have no creativity.
Diversity and affirmative action is a two way street if you know how to ride it.
I’m sure there are a few in here will have a problem with this statement!
Probably the most unjust thing about climate change, however, is that the people who contribute to it the least — those in underserved countries, who’ve used relatively little energy — have been affected the most.
http://www.upworthy.com/why-bill-and-melinda-gates-think-time-and-energy-are-global-superpowers
Thanks Fabius
I should make my husband’s dreams come true and declare myself gender fluid that would check even more boxes
If the economy is as rosy as the Obamunists say it is, why is this necessary?
https://legiscan.com/US/bill/HB4593/2015