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 media is a huge problem. They would have the public believe that this race is about fat bitches, trannies in bathrooms, cops shooting niggahs, and lesbian wedding cakes. Those are NOT the issues driving American politics. Not now, not ever.…"
"There are three things you can do.
- Accept that you have a job that makes you unhappy
- Change the situation at work so it s mor acceptable to you
- Leave the Job and get something new.
You not wanting to quit is not the universe. Its more likely…"
"Its all a farce. The politics of exclusion for Trump exclude everyone but himself. He's ready to lynch anyone who gets in his way and is admired for shaking up the status quo when he wants to become it himself. Somehow the…"
"If only political matters were unimportant enough to be ignored, and we could just go about our lives without the actions of the politicians impacting us in any real way. But, that is a pipe dream. What politicians and leaders do matters…"
The definition of universe of course is open to your interpretation; could be your god, the physical universe, or maybe just your immediate environment/sphere of influence. I'm 27 and nearly 2 years into my career. I'm not happy. In fact I think I'm starting to loose my mind. A windlowless basement, unreliable car, no friends, no relatives around, and no woman isn't helping. I'm in no less financial debt than I was before I took this job. I'm no healthier. I've been called dumb too many times…See More