What’s the question? on the Saturday OPEN thread
Shot by Dan at Grandin Gardens
“A bird doesn’t sing because it has an answer, it sings because it has a song.”
Lou Holtz
November 10, 2012 - 10:00 AM
November 10, 2012 - 10:00 AM
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Thursday, May 23, 2013
THE ROANOKE TIMES
As to earlier voter fraud discussion, did anyone else read:
http://www.themoneyparty.org/main/wp-content/uploads/2012/10/2008_2012_ElectionsResultsAnomaliesAndAnalysis_V1.51.pdf
**
2008/2012 Election Anomalies, Results, Analysis and Concerns
Francois Choquette, James Johnson
SNIP
Back in February 2012 during the South Carolina primaries, a keen observer noted that Republican candidate Mitt Romney had an unusual gain of votes in larger precincts. Analysts noted this effect violated expected statistics. Specifically, the percentage of votes in each precinct strangely increased as a function of precinct size (vote tally). The vote gain is correlated to precinct size, not the precinct location, be it in cities or rural areas. This anomaly is not apparent in other elections that don’t include Republican candidates. In 2008, Mitt Romney had the benefit of this anomaly and then the gain switched to John McCain once Romney exited the campaign. The Democrat Party elections we looked at don’t show this problem.
We have attempted to explain this unusual effect through various socio-graphic distributions of voters, but to no avail. This substantial effect exceeds reasonable statistical bounds and we calculate that the probability of such election results happening by chance is beyond typical or even extreme.
In 2012, the trends are highly consistent with Romney making these strange vote gains in all 50 states, except Utah, and Puerto Rico. There is no selection bias on our part; it’s pretty much like that everywhere.
Historically in other contests not involving GOP candidates, we found no significant correlation between precinct vote tally and the percentage success for each candidate. In other words, for most counties and states, the vote result is unrelated to the number of voters in a precinct. There are random variations between precincts, but no definite linear trend from small to large precincts.
SNIP
**
.
Nope. Beer is the answer, but I forget the question.
.
.
From a recent article by Frank Rich:
“At the policy level, this is the GOP that denies climate change, that believes low tax rates drive economic growth, and that identifies voter fraud where there is none. At the loony-tunes level, this is the GOP that has given us the birthers, websites purporting that Obama was lying about Osama bin Laden’s death, and not one but two (failed) senatorial candidates who redefined rape in defiance of medical science and simple common sense. It’s the GOP that demands the rewriting of history (and history textbooks), still denying that Barry Goldwater’s opposition to the Civil Rights Act of 1964 and Richard Nixon’s “southern strategy” transformed the party of Lincoln into a haven for racists. Such is the conservative version of history that when the website Right Wing News surveyed 43 popular conservative bloggers to determine the “worst figures in American history” two years ago, Jimmy Carter, Obama, and FDR led the tally, all well ahead of Benedict Arnold, Timothy McVeigh, and John Wilkes Booth.”
Eating brunch in Richmond watching the marathon go by.
A silver lining for the Va GOP?
http://tinyurl.com/9w96vca
**
Virginia Curse a silver lining for Republicans
By: Jim Nolan | Richmond Times-Dispatch
Published: November 10, 2012
RICHMOND, Va. –
SNIP
But they should cheer up. After all, the Virginia Curse augurs well for GOP chances in 2013.
What’s that — never heard of the Curse? Well, it goes something like this:
Since 1976, Virginians have followed each presidential election by electing a governor of the opposing party a year later.
SNIP
**
Wonder where this is going: http://tinyurl.com/byc5owo
**
Judge says DMV cannot revoke license plate
By: Times-Dispatch Staff | Times-Dispatch
Published: November 10, 2012
CHESAPEAKE, Va. —
SNIP
The plate can be read as “I see you, Haji.” Haji is a derogatory term used by U.S. soldiers in Iraq and Afghanistan to refer to Arab people.
Circuit Court Judge John W. Brown said that if the state lets people praise religion or ethnicity on their license plates, it also must let them denigrate them.
SNIP
**
#2 – I thought the answer was 42?
#5 – If the Democratic Party doesn’t come up with a better candidate than Terry McAuliffe, the Republicans will win in 2013. Has he ever even held public office? (Wikipedia indicates not.)
Re: Comment by Laura — November 10, 2012 @ 1:15 pm
OTOH, could it be that “The answer, my friend, is blowin’ in the wind. The answer is blowin’ in the wind” — with apology to Bob Dylan.
http://tinyurl.com/adgvexp
**
Earthquake rattles eastern Kentucky
USGS
By NBC News
A 4.3-magnitude earthquake struck eight miles west of Whitesburg, Ky., early Saturday afternoon, the U.S. Geological Survey reported.
SNIP
**
Hum? Could something be afoot?
See: http://tinyurl.com/avapaxn
**
Seismic Risk in Eastern U.S. May Be Higher Than Previously Thought
An analysis of the August 2011 magnitude-5.8 earthquake in Virginia suggests that seismic waves generated near U.S. cities on the eastern seaboard might be amplified and preferentially directed toward the northeast
By Sid Perkins and Nature magazine
The surprise magnitude-5.8 earthquake that stuck central Virginia and rattled cities up and down the US East Coast last year was a record-breaker in more ways than one. Not only was it felt by more Americans than any previous tremor, it triggered landslides over a wider area than any other recorded quake anywhere in the world, scientists say. A detailed analysis of ground motions triggered by the event also indicates that Washington DC and other affected population centers could be at a higher risk of major ground movement than previously recognized.
SNIP
**
Happy 237th Birthday to the United States Marine Corps!!
I have a question about the marijuana laws that passed in Washington and Colorado. If it is now legal to possess up to an ounce of weed for personal use, is selling weed also legal there? If not, where are the personal use folks supposed to get it? If they allow the opening of cafes like those in Amsterdam, who will supply the cafe’s and how much can a cafe keep on hand? Will it be on-site use only? If not, what is to keep people from buying an ounce in one place and then moving on to another and buying another ounce, etc. Also, have they given any thought at all to the fact that this will in all likelihood support the ultra violent Mexican cartels that are moving weed into the US by the ton?
“I have a question about the marijuana laws that passed in Washington and Colorado. If it is now legal to possess up to an ounce of weed for personal use, is selling weed also legal there? If not, where are the personal use folks supposed to get it? If they allow the opening of cafes like those in Amsterdam, who will supply the cafe’s and how much can a cafe keep on hand? Will it be on-site use only? If not, what is to keep people from buying an ounce in one place and then moving on to another and buying another ounce, etc. Also, have they given any thought at all to the fact that this will in all likelihood support the ultra violent Mexican cartels that are moving weed into the US by the ton?”
It sounds like Chuck is pining for a doobie!
No Dan. Just wondering about the realities of legalization. These questions will have to be answered if we are actually going to seriously consider weed as a viable revenue stream. Border states also need to prepare for the reality that the cartels are not going to sit quietly and lose millions in revenue because some stoners want to conduct a grand social experiment. Does your glib reply mean no you haven’t actually considered the logistics involved with legalisation?
Just think, by 2016 Texas will likely be a swing state.
http://www.nationalmemo.com/republicans-southern-strategy-can-no-longer-work/
An interesting article on how we built the country we have today. We did build it and we paid for it with higher taxes.
http://www.nationalmemo.com/the-secret-history-of-americas-pro-tax-movement/
Just think, by 2016 Texas will likely be a swing state.
Ron wants a flood of illegals moving to Texas collecting welfare. He’s pleased 0bama appeared in Mexican commercials telling Mexicans how to come to America and apply for food stamps. He thinks that will reduce the deficit and build prosperity.
Romney to campaign staffers: “Thanks for nothin’! See ya! Wouldn’t wanna be ya!”
http://www.huffingtonpost.com/mobileweb/2012/11/09/mitt-romney-campaign-cancels-credit-cards-staffers-aids-election-night_n_2099916.html?utm_hp_ref=business
“Romney to campaign staffers: “Thanks for nothin’! See ya! Wouldn’t wanna be ya!” (Cuts off their credit cards, at the end of his concession speech, leaving many stranded on election night).
This is a SURE sign that he’s never gonna run for anything ever again.
Comment by Suzie — November 10, 2012 @ 4:59 pm
SuzieQ, it’s a matter of demographics. They don’t need any additional immigration to make Texas a swing state.
Romney was worried he might have to tape his foreign IRA to pay the credit card bill don’t you know.
A different perspective from what we hear a lot of.
To Mississippi Power:
Recently, here in the Garden State, we were hit by Superstorm Sandy. The damage is beyond what the media shows. Many are still without power, heat, and most of all, spirit. We New Jerseyians are a strong people. But even the strong need help. While driving on the Garden State Parkway, I saw a fleet of Mississippi Power utility workers driving in tow new poles for the fallen power lines that are now littering our neighborhoods. On any other normal day, I would have drove past the utility trucks without a glance. Yesterday was a different story. I had to fight back the tears, and gave them a thumbs up while driving past. This is what this nation is all about. People banding together and putting differences aside and helping the people that need it the most. Even though we survived the worst part of the storm, we survived by the help of others. Without them, we would be lost and angry. Instead we are getting our power back, and getting warm and helping those that still need it. It’s all because of people, like Mississippi Power and their workers that drove long hours and are working even longer. The snow is falling and the frigid chill of the north is starting to settle in. We thank you for doing your best and sending your best to brave the wrath of Mother Nature and for turning the lights back on here in New Jersey.
Sincerely
Frank Crowe
Hopelawn, NJ ·
My comment @ 6:36 p.m. was shared with me by a friend of mine from New Jersey.
Chuck,
The cartels will suck it up and move on. They can’t wreak much more havoc than they already are without openly declaring war on the U.S. and that would be a little foolish. Once people learn how easy and cheap it is to grow cannabis plants, the real economic market will be in growing supplies and I don’t think there will be a huge black market potential for HID lights and fish fertilizer. Given the huge underground trade market in different strains, I don’t see regulating the above-ground sale is in any way feasible unless the government can find a way to offer a cheaper, better quality product. Is that how the free market is supposed to work?
About ten years ago, the cartels figured out that it’s much easier and cheaper to send people here to grow the weed domestically than to attempt to transport product over the border. Not nearly as much pot is coming over the Mexican border as it used to and I’m not sure that Mexican weed is too prevalent in Washington, seeing as how British Columbia has been producing award-winning weed for years now. The Mexicans have taken over several other illicit trades that are far more lucrative, anyway. Meth, cocaine, Ecstasy and crappy pharmaceuticals are far easier to transport, as well. So they won’t really be too hurt by the loss. Now a nationwide decriminalization of marijuana, on the other hand might have a greater immediate impact.
Here is a more detailed link outlining the answers to many of your questions: http://bit.ly/QxhPVn (pdf) for Washington state and this: http://bit.ly/Z5Tjfo for Colorado.
Chuck, there’s still a federal drug prohibition, although I don’t know why the federal government has that power in the first place. The state decriminalization is a big deal though. Perhaps one day, they authoritarian powers that be will get their panties out a wad and realize that the sky is not falling over someone smoking a joint on their own porch.
Re: Comment by Ron May — November 10, 2012 @ 2:18 pm
Thank you.
Chuck, unfortunately, marijuana use, possession, manufacturing, and distribution in Colorado and Washington remains illegal under federal law. It will be very interesting to see what federal authorities in these states will do. I hope this is a beginning. We incarcerate far too many people in this country for drug crimes. Of the illegal drugs, marijuana is the least of our worries.
#19 Great day to be in Scott Stadium watching the Wahoos come back with 6 seconds left to beat Miami. And that commie pinko liberal arts school dedicated the whole game and halftime show to veterans.
Amazing, isn’t it? 0bama’s FEMA is AWOL in New York. 0bama went on vacation, so he doesn’t give a sh*t. So what do they do? Blame the private sector, (at least according to the MSM).
http://news.yahoo.com/frustrated-residents-protest-outside-ny-202316998.html
By all acounts, this worse than Katrina. But the protection of Idiot Boy continues. Unreal.
Re: The RCs, republicans, and gay marriage.
http://tinyurl.com/agh4p8t
**
Posted: 11/09/2012 4:43 pm
Why Many GOPers Quietly Backed Maryland Question 6
Walter Olson — Senior fellow, Cato Institute; author, ‘The Litigation Explosion’ and ‘Schools for Misrule’
On November 6 President Obama carried the state of Maryland by a more than comfortable 62-37 margin over Mitt Romney, while Question 6, the same-sex marriage law, was passing by a much narrower 52-48 edge. The Washington Post, reporting on AP’s Election Day opinion survey, gave its story an accurate if unsurprising headline: “Exit polls: Maryland voters who backed Obama also favored same-sex marriage.” Yes, Democratic voters did tend to favor the history-making same-sex marriage law, and Republicans did tend to oppose it. But that tends to conceal a more interesting story. The Maryland contest produced extensive “ticket-splitting” in both directions: even as same-sex marriage was being battled over in some solidly Democratic areas, it was winning surprise victories on Republican turf elsewhere.
SNIP
At the same time, though, a significant number of Marylanders were splitting their tickets the opposite way, voting for Romney (or, occasionally, for Libertarian Gary Johnson) and then approving Question 6. In fact county-level results reveal that across wide swaths of Republican territory in Maryland, same-sex marriage actually ran well ahead of Barack Obama and the Democratic ticket. That means there were many, many Romney voters who voted for the same-sex marriage law — enough, in fact, that without them the measure would almost certainly have lost by a mile. (I should mention that I volunteered for the Question 6 effort, working especially among libertarians and conservatives on its behalf.)
SNIP
**
BTW, note the noted libertarian and conservative working for same-sex marriage in opposition to what some of the hate-filled Libertarians and conservatives would have us believe.
http://ir-ingr.livejournal.com/1185799.html
Photos from the war in Syria that mainstream news won’t ever run.
First Screwzie, then pammalapdog, and now Billo. Wow…what a bunch of quitters.
http://youtu.be/vxlgXs28u40
Issues in Fla. finally settled. Obama by 74000 votes giving him 332 electoral votes. CNN, NBC, and other news groups finally call it official.
And Allen West is officially an idiot.
http://news.yahoo.com/media-calls-florida-obama-giving-him-332-electoral-182426218.html
http://www.huffingtonpost.com/2012/11/10/occupy-sandy-99-percent-storm_n_2108811.html
So what are the Tea Baggers doing for Sandy victims. Go occupy.
Florida screwed up the whole election in 2000 an they’ve only gotten worse since. This year, they shortened early voting and produced an obscenely long ballot in the effort to discourage voters. Didn’t work, though.
Ladies and gentlemen, the intentional dismantling of America continues.
http://themortgagereports.com/11091/fha-may-waive-its-3-year-foreclosure-waiting-period
You may recall the cause of the financial system was the dissemination of faulty bank instruments fueled by millions of bad loans to unqualified buyers. Democrat-controlled Fannie Mae undid years of of strict lending guidelines and rewarded banks who played ball. Democrats and 0bama, however, have been able to foist the lie on the American people that bank deregulation caused the recession.
Well, the 0bama government is doing the same thing again, only now it’s on steroids:
1. Fannie had already shortened the long-standing lending practice of making a borrower wait seven years after a foreclosure before they can buy again, and reducing it to three years. Now they’re going to waive the waiting requirement altogether. So someone whose Chapter 7 bankruptcy cleared yesterday can get an FHA-insured home today.
2. Fannie is reducing the minimum credit-score requirement down to 500. This is despicable. Ask the so-called mortgage brokers in the blog. Even liberal dave will have to admit a 500 FICO score is abominable. I mean, this is BAD, BAD credit.
So we have a backlog of thousands of foreclosed homes across the country, and thanks to 0bama, the people who lost them are now in government-backed mortgages again.
In other words, we are GUARANTEED another housing meltdown again, and it is being engineered INTENTIONALLY by the 0bama administration. Meanwhile he’s down in Mexico making commericials about how Mexicans can come to America and get food stamps.
I’ll ask again, leftwingers; If someone were intentionally trying to destroy this country’s economy, how would he do it any differently?
So what are the Tea Baggers doing for Sandy victims. Go occupy.
I know of at least five congregations from the Roanoke valley that sent busloads of parishioners to New York to help out.
The “Occupiers” will read the official HuffPo press release and get busy looting. Free stuff, you know.
I see most ill-informed/ Elly May Clampett/Suzie is back to the childish name calling, disparaging remarks about anything Democratic, conspiracy theories, lies about the President and his administration, and as always demeaning all people not white, not rich and not teabaggery…guess that’s what a loser does…
More food stamp ads. Notice the race of the actors. Taxpayer dollars spent to advertise a taxpayer-funded giveaway.
http://www.youtube.com/watch?v=QpqHZ2YxD4w
Get everybody in the wagon to collapse the government. That’s in all the Marxist literature.
You leftwingers still think 0bama wants America to prosper?
On the day that the New York Times announced that the economy was in full recovery, the New York Times announced that their 3rd quarter profits were down 85%.
Tick….tick….tick
“I know of at least five congregations from the Roanoke valley that sent busloads of parishioners to New York to help out.”
Those aren’t Tea Partyer. If they indeed are parishioners, they they’re Catholics — 50 percent of whom voted for Obama.
Hey, Frank, I asked you a question a couple of days ago but you never got back to me.
Basically, Frank, I’m trying to get a jump on the busy Holiday and get started on my gift shopping. I was thinking about getting you and the DMatt some of those cool plastic cheddarhead hats. I’m really trying to put some thought into my gift giving this Christmas; I want to give gifts that the recipient goes “Hook, line and sinker” for, as it were. Let me know what you think. If the spirit of the season really is about giving, than I gonna’ make this the best Christmas ever!
Sincerely,
Your pal Steve C
Suzie – One of the problems the Red Cross is having is too many volunteers showing up in NJ interfering with the clean up or giving food that costs more to ship than it is worth. Your congregations should give cash if they want to help.
#36 And they’re all Tea Partiers, troll? (Psst, I know some some Obama voters who are up there helping).
If they indeed are parishioners, they they’re Catholics — 50 percent of whom voted for Obama.
No, the fake Catholics like you, Shrillary, and Blacksburg Suz who don’t go to Mass voted for 0bama. The church-going ones in the Roanoke Valley went Romney,.
So we have a backlog of thousands of foreclosed homes across the country, and thanks to 0bama, the people who lost them are now in government-backed mortgages again
This from Suziethe brilliant economist. So the alternativge for these millions (not thousands) of backlogged foreclosures is to let them be purchased for 25 to 30 cents on the dollar by vulture cspitalists who will then become slumlords and let the condition of the housing stock decline. Or, we can make an effort to allow people who have suffered blows to their credit and financial condition as a result of the Bush depression to strat over again with a chance to repair their credit and still own a home, thus stabilizing at least a percentage of the housing stock and also stabnilizing prices. Wonder which of those choices weould be better for the country. Duh!
Re: Comment by Suzie — November 11, 2012 @ 7:51 am
Good coverage of your “charity” efforts? http://tinyurl.com/bk9wyme
Re: Comment by Richard J Beason, CPA — November 11, 2012 @ 10:37 am
Not surprised. Seen it happen before.
Suzie – One of the problems the Red Cross is having is too many volunteers showing up in NJ interfering with the clean up or giving food that costs more to ship than it is worth. Your congregations should give cash if they want to help.
Comment by Richard J Beason, CPA — November 11, 2012 @ 10:37 am
RJB: Suzie apparently doesn’t understand that sending hundreds of volunteers into a disaster area only puts more pressure on much-needed and already-strained resources. Vols need food, water and shelter that would be much more useful to the people who actually need it. Almost universally, when hundreds or thousands of volunteers show up in a disaster area, they immensely complicate logistics and relief efforts and ultimately end up taking more than they put in.
…something Suzie laments quite often around here. Ain’t life funny?
Question for you, dave:
If the housing bubble burst four years ago because of massive mortgage default, why won’t the same thing happen again if the lending requirements are relaxed even more than before?
I see most ill-informed/ Elly May Clampett/Suzie is back to the childish name calling, disparaging remarks about anything Democratic, conspiracy theories, lies about the President and his administration, and as always demeaning all people not white, not rich and not teabaggery…guess that’s what a loser does…
Shrillary,
Why won’t you address the specific issues I bring up?
1. 0bama going to Mexico to make ads showing how Mexico can get food stamps.
2 0bama’s FHA slackening credit requirements and eliminating the waiting time after a bankruptcy or foreclosure.
Re: Comment by Suzie — November 11, 2012 @ 10:48 am
Like the Republicans and Roman Catholics that vote for gay marriage in Maryland — where the vote for it exceeded the vote count for Obama.
Wonder what happened the old Rants & Raves (w/ lies) absolute assurance about the solidity of the nationwide Roman Catholics voting block for Romney once the Bishops weighed in?
As Roman Catholic make up nearly 1/4 of the vote nationwide, is Suzie saying that she think Romney 47% was about 22% other and about 25% Roman Catholic?
If (as the Salt Lake City returns suggest) another religious block did vote rather solidly, and the religious factions akin to LU followed the LU percentage and, as Suzie claims, the Roman Catholics voted as a block, what percentage would that mean that Romney drew of the rest? Less than 10%?
So what is it, Suzie. 1) are you are lying, or; 2) are you are delusional, or; 3) do you have some other explanation of the reported split of the Roman Catholic nationwide?
http://tinyurl.com/bemhcna
**
One Day Before Election, Catholic Vote Remains Good Indicator
A look at the latest polling.
by MICHELLE BAUMAN/CNA 11/05/2012 Comments (17)
Karen Montgo/ Flicker
SNIP
While they do not vote as a unified group, Catholics are significant in elections because of their large numbers, making up approximately one in four U.S. voters, he said.
Final polling numbers show a neck-and-neck competition between President Barack Obama and Republican contender Mitt Romney. Both Catholic voters and the general electorate are closely divided in their support of the candidates as the final days of the campaign come to a close.
SNIP
[emphasis added]
**
—-
http://tinyurl.com/bjrqf92
**
Most Catholics vote for Obama, but Latinos and whites divided
By Mary Wisniewski
CHICAGO | Thu Nov 8, 2012 6:57pm EST
SNIP
Catholics – the country’s largest religious group with one-quarter of the population – have supported the winner of the popular vote in every election since 1972.
Reuters/Ipsos exit polling found that 51 percent of Catholics favored President Barack Obama, compared with 48 percent for Republican contender Mitt Romney. A report by the Pew Forum on Religion & Public Life had a similar finding, with 50 percent of Catholics for Obama and 48 percent for Romney, the same as the popular vote in the general population.
SNIP
**
Note the “Catholics … have supported the winner of the popular vote in every election since 1972.”
So tell us, Suzie, are you claiming that trend is over? Or are your claims that you speak for / represent the “typical” Roman Catholic is all smoke and mirrors?
And of course most ill-informed/Elly May Clampett/Suzie who denigrates the poor, who denigrates the handicapped, who denigrates the “others” – like Hispanics, Blacks, and any other non-white group, gays, overweight individuals…is the EPITOME of “Christian” or Catholic values…
Because it calls itself a Catholic or may go to church on occasion, this of itself does not mean it is a practicing Catholic…that is just someone who has to get to the confessional to be absolved of all their sins before being sent to a non-heavenly place when their time suddenly runs out….
This I think nails it:
1 John 4:20
If anyone says, “I love God,” and hates his brother, he is a liar; for he who does not love his brother whom he has seen cannot love God whom he has not seen.
And of course most ill-informed/Elly May Clampett/Suzie who denigrates the poor, who denigrates the handicapped, who denigrates the “others” – like Hispanics, Blacks, and any other non-white group, gays, overweight individuals…is the EPITOME of “Christian” or Catholic values…
Hon, as I said in my treatise on the three types of liberals, I fault the ‘takers’ the least. They are simply succumbing to temptation, taking the good laid before them. It’s those libs who trap the poor in their poverty that I have very harsh words for. Just as Jesus likewise would.
As for the ‘handicapped’, I have no idea what you’re talking about. But I guess as long as you’re heaping on lies, why stop?
So tell us, Suzie, are you claiming that trend is over? Or are your claims that you speak for / represent the “typical” Roman Catholic is all smoke and mirrors?
There are apparently a lot of CINOs like Dan, Shrillary, and Blacksburg Suz. The flood of hispanics likely contains a lot of them as well.
Re: Comment by Suzie — November 11, 2012 @ 4:32 pm
Translation: “There are apparently a lot of real Roman Catholics, like Dan, Shrillary, and Blacksburg Suz. The flood of legally voting hispanics likely contains a lot of Catholics who love their brother whom they has seen as well as loving God whom they have not yet seen — as well.
Got it.
As for the ‘handicapped’, I have no idea what you’re talking about. But I guess as long as you’re heaping on lies, why stop?
Comment by Suzie — November 11, 2012 @ 4:28 pm
Ahhh, let me refresh your dimly lit mind…
1.” …rows and rows of handicapped parking just to satisfy an arbitrary liberal law that doesn’t take into account the type of business it is. Not too many gimps go into those places…
Comment by Suzie — December 13, 2011 @ 7:22 am
2. However, i don’t have as much sympathy for fake-poor fake-disabled 0bama-voting fatasses who demand accommodations at the expense of everyone else.
Comment by Suzie — December 13, 2011 @ 10:28 am
Does that help “hon” with your memory problem regarding the handicapped or disabled? Early onset I see…too bad. Sorry I can’t help with your inability to tell the truth though… seems to be pathological – get help.
Suzie, just because you claim “Romnesia” it does not mean we have it.
#56 Thanks for running those down, Shrillary. Just a small sample.
Translation: “There are apparently a lot of real Roman Catholics, like Dan, Shrillary, and Blacksburg Suz. The flood of legally voting hispanics likely contains a lot of Catholics who love their brother whom they has seen as well as loving God whom they have not yet seen — as well.
I’m pretty sure ‘real’ Roman Catholics believe in the basic tenets of the Roman Catholic Church and have attended mass since the 80s.
Wonder how many CINOs go to Screwzie’s church and if she calls them on it?
dave:
“So the alternativge for these millions (not thousands) of backlogged foreclosures is to let them be purchased for 25 to 30 cents on the dollar by vulture cspitalists who will then become slumlords and let the condition of the housing stock decline. Or, we can make an effort to allow people who have suffered blows to their credit and financial condition as a result of the Bush depression to strat over again with a chance to repair their credit and still own a home…”
I disagree with this. The people buying the foreclosures are owner-occupants and small-time business people too. The 25 to 30 cents on the dollar is not realistic… more like 60-70 cents on the dollar and that is just bringing the price back in line with what the property is ACTUALLY worth. Prices got overinflated because of artificially high demand by unqualified buyers. And the foreclosure buyers, more often than not, aren’t buying them for slum property as they have an investment to protect; the profit is more on the back-end with appreciation if it happens, not rent. Rent is NOT where the money is made in real estate.
Also, Fannie Mae and Freddie Mac offer their foreclosed properties for sale to owner-occupants first for the first 30 days before offering them to investors. If they really were 25 or 30 cents on the dollar, the owner-occupant market would devour all of the inventory and just about does. If they sit long enough that no owner-occupant takes them, they aren’t going to be a good enough deal to make the money on the front-end with rent and won’t make a good prospect for the slum lord who just lets his/her property go into disrepair, collects the rent (or subsidy) until the property absolutely can’t be rented or the depreciation is used up, whichever comes first.
The free market is not what you’re making it out to be.
My husband and I bought a foreclosure property about 20 months ago. The house was over assessed by the county, the bank provided a mortgage for $10,000 more than the assessment, and the appraiser fell in line with an overblown appraisal. The couple in my opinion never should have qualified for the property….but they did, and within 2 years of that sale, they went under. It was a HUD sale – which was first offered to owner occupants – none came forward, we purchased it. The previous owners did not take very good care of the property [built in 2000], all appliances had been removed including the vented gas log fireplace…general lack of maintenance – a mess.
We restored the property – we close on it at the end of this week and the new owner will get, not only a “like new” home, but will have gotten a good deal…because we got a good deal. The neighbors were delighted that the house was not going to sit empty – and even more delighted that it will now be owner occupied again.
Although I believe in home ownership – there should be common sense restored. Not everyone who wants a home can have a home. Not everyone who once owned a home, needs to own another one. Not every one who applies for a mortgage should get that mortgage. The path to home ownership is not just buying the home, it is saving for the down payment, and knowing your financial capabilities, obligations, and what you can and cannot afford.
I think John W, on this issue, is 100% correct.
I agree with Shrillary and John W.
And, thank GOODNESS for stricter banking regulations, like those contained in Dodd-Frank, that help restrict the greedy banksters of the last decade from granting loans to people who by just about ANY yardstick don’t qualify for them.
I fully realize that the banksters are very, very upset that they can’t lay off all the risk for crazy loans on taxpayers any more. I’m sure it sticks in their craws.
But we shouldn’t let drugs that we know are unsafe on the market, or cars that are going to kill people, canned vegetables that contain botulism, or passenger airliners that have dubious performance in the air.
Regulation can be a GOOD thing, see?
Dan:
“And, thank GOODNESS for stricter banking regulations, like those contained in Dodd-Frank, that help restrict the greedy banksters of the last decade from granting loans to people who by just about ANY yardstick don’t qualify for them….I fully realize that the banksters are very, very upset that they can’t lay off all the risk for crazy loans on taxpayers any more. I’m sure it sticks in their craws.”
No, we need to go 180 degrees the other way. This is why the government needs to GET OUT of the secondary mortgage business! If the banks didn’t have a buyer for risky loans, they wouldn’t make them! A private secondary market would be much more discretionary becuase it’s their money to lose.
Why Shrillary, you “vulture capitalist” you.
.
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You do realize that you will get either no response or be branded the exception to the rule. In reality, what you did was just good business as do most foreclosure buyers.
Any way you want to slice it, the housing and financial bubble on steroids was fueled by the banksters and the mortgage shark industry willing to give people loans, based on sales and appraisals, that they ALL knew they could not afford or justify. You can go on blaming the people who lost their homes, and the government who lost our shirts, but the rest of us know that the industry caused the situation and marketed like crazy to get those customers and they knew better every step of the way.
Federally guaranteed loans with adjustments for down payments as administered by HUD/VHDA and the FHA are the only hope many veterans, young couples and lower middle income families have to own a home and for many of them, it works well due to the standards and regulations involved. Turning it all back over to the banksters will only mean that many deserving and capable home buyers are locked out of the market.
Unless Hillary bought the home out from under a family living in it, evicted them and then sold it off piece by piece, she is no “vulture capitalist”. I could be wrong, but that is not the story she told.
Government regulations are no better a replacement for personal responsibilty than religion is a replacement for free thinking.
Sandi:
67.”Unless Hillary bought the home out from under a family living in it, evicted them…”
There are rules against this already. Short sales, which is likely what a purchase on a home going into foreclosure would be, then a rent-back is not allowed. But I don’t have to tell you this being the market pro that you are.
Sandi, NOT EVERYONE IS ENTITLED TO OWN A HOUSE and the highly competitive mortgage market should be turned over to the banks where it belongs, but they should have to use their own money just like the rest of us. That works everywhere else and will work there if the politicians would stop manipulating it to buy votes.
Sadly for far too many people, government regulations and laws are absolutely better than their “personal responsibilty”. True for banksters and the grifters. Religion was never meant to be “a replacement for free thinking”. That is fundamentalism and many practice that to.
No, you did not “have to tell” me this and “being the market pro that you are”, you also knew she was not being a “vulture capitalist” when you tried to make your unfunny joke.
John, I never have said that “EVERYONE IS ENTITLED TO OWN A HOUSE”. I don’t think it, never said it, not once. However, home ownership is very much a stabilizing effect in neighborhoods and to families. There is nothing wrong with government guaranteed loans so that qualified but cash poor people like veterans and lower but stable middle class families can purchase a home either. NO ONE EVER forced or even coerced banks and mortgage sharks like Country-Wide to loan to people who were not qualified. NO ONE.
The “highly competitive mortgage market” has never been taken away from the banks. On any unqualified buyer loan they should indeed have to risk their own money, but who is it you are trying to kid here? They do not want to do that.
Fannie Mae and Freddie Mac did not write Gramm-Leach-Bliley and create the weapons of financial mass destruction. Banksters did. The CRA, the HUD/State HDAs, FHA and other loan programs worked just fine until the banksters managed to create customers out of thin air and bet on and against them, make bad loans and sell them for a profit etc. You just will not admit the bad actors in your industry and the market because it does not fit your paradigm. It is still the truth.
Sandi, we cannot have it both ways. Either we open the flood gates to everyone so we can celebrate the one or two who beat the odds and become stable home owners, then just eat the foreclosures and dump the expense on the taxpayers OR we go back to letting the banks pick the winners and losers with their OWN money. The latter is the only way to true stability.
“You just will not admit the bad actors in your industry and the market because it does not fit your paradigm. It is still the truth.”
You will not admit that personal responsibility is the root cause because it does not fit your paradigm. That is still the truth.
Not to belabor the points…but there are valid points on both sides of this discussion…
For my part, when my husband and I bought our first home in the stone(d) age of the early 1970s, we applied for a mortgage at a bank…the bank held our mortgage – it was not sold nor bundled…we were required to demonstrate through employment verification that we could afford it – we were required to come up with 5% of the purchase price in cash. We had scrimped and saved to do just that, and bought a home we knew we could afford and we invested our own hard earned money towards its purchase .
Fast forward to 2012. The buyer of our “vulture capitalist investment home” has been provided, through the USDA, a loan in which there is NO down payment required. NO SKIN IN THE Game. The only “loss” that this buyer will have if she walks away from the house payments at a future time: appraisal cost and $500 binder [.0029 of the sale price]. So this buyer committed less than $1000 of her own funds – less than many pay in a monthly rent – and she buys a home in the lake area of Franklin County….
The USDA IMO, should be requiring a minimum of 3 – 5% down payment by purchasers – which may make it less desirable to just walk away and leave the taxpayer on the hook…and would allow buyers to have some personal responsibility [cash] towards the purchase of their own home…saving for that down payment should not be viewed as a negative.
“For my part, when my husband and I bought our first home in the stone(d) age of the early 1970s. . .”
I’ve met Shrillary. She’s a pistol. I would like to have gotten stoned with her in the early 70s. No kidding.