I am going start with the disclaimer: Yes I realize the mistakes I have made to get to this point.As a results of a departure from a job and lifestyle I did not enjoy, and things "not going as well…Continue
"I once knew a beautiful girl until a 4x8 sheet of plywood fell from a construction site and it killed her. I suppose it was her fault for not looking up and taking evasive action. Of course you should always look for oncoming traffic, but It's…"
"I agree that you can't get hit if you're not in the road, but sometimes you need to be there. You might expect to make it to the other side if you have a green light, but you can still get hit by a bus. I get that.
But if I lost my legs…"
"Then you agree with me that you can get hit even though you're doing things right, so I don't understand your comment. Maybe you apologized for being in the way of the cars the way Cheney's friend who got shot in the face had to do,…"
"The financial calculus is as easy or simple as one wants to make it, like all investing calculus. Personally, I stop at the level where mortgage+HOA fees are so much higher than rent, the mortgage interest deduction can't make up the…"
"Yeah, it's a dificult calculus, with more than a bit of witchcraft/tea leave reading in it.
20% down is a nice rule in a TYPICAL housing market, but the arc and trajectory of real estate values, buyer income, and buyer debt have to be factored…"
"Blame ordinary borrowers if you like, just don't moralize about home ownership in the same breath. When a 20% down payment is two times the region's median annual income, you'll take as long to save up for a down payment as…"
"The crisis timeline goes back more than half a century to the creation of Fannie Mae which also created the first mortgage backed securities in 1970. The history clearly shows that the banking and investment firms worked in collusion with the…"
"IMHO, one proximate cause of the early 21st Century Great Recession is exactly the same as the cause of the 20th Century Great Depression. Namely commercial and investment banking were commingled. In the 1920s commercial banks got…"
"Yes, I agree that there is plenty of blame on all sides, but the banksters did far more than just bundle some bad debt with the good to balance their portfolios. The term predatory lending has a real basis.
Borrowers, qualified or not, were sought…"
"And, underqualified borrowers petitioned the government for the right to buy houses they couldn't afford on loans nobody could justify giving them. So, they bought politicians during the same era with the populist siren song of getting…"
"Banks figured out a way to multiply a bad debt into 40 times its value by selling derivatives like credit default swaps so they did everything they could to encourage and facilitate these loans. They petitioned the government for the right to do…"
The introduction message which you send to that cute girl online in which you attempt to cultivate a relationship with her is supposed to be the "attention getter", that determines whether she will message you back and continue the conversation, or just move on hoping to find a better man.I have been using online dating services for over a year now, as a second method in my arsenal NOT as a substitute to meeting a girl offline in the "real world". I have no problems talking to women and asking…See More
"I hear this from both women and men. The problem is not in their stars, dear Brutus, but in themselves. These whiners are usually not attracted to decent human beings. They always seem to be drawn to troubled people. …"
"Good analysis David. There have been times when I have thought how wonderful it was that God said "no" to something. He cares for each of us and we have to entrust that He knows what is best. We may not understand why…"
We frequently hear stories of how an extremely important need was "saved" after prayer, such asShe was near death but we prayed for her and she lived.Our marriage almost fell apart but we prayed and God saved our marriage.My job was nearing being taken from me but we prayed and God saved my job.But if we think of God as a Father, any parent does not always say, "Yes" when a request is made. Sometimes a parent says, "No," and sometimes a parent says, "Not now," and sometimes a parent says,…See More